What are the best ISA Eligible investments available?

2023 is only a few months old but  now is the time to start planning your ISA eligible investments in the UK. Investing in ISAs can be a great way to save for your retirement, as well as to benefit from tax-free returns. As such, it’s important to research and analyse the best ISA eligible investments available in the UK in 2023 in order to ensure you make the most of your investments.

One of the best ISA eligible investments available in the UK in 2023 is stocks and shares. Investing in the stock market can be a great way to grow your wealth over time. Not only can you benefit from potential capital gains, but you may also receive dividends from your investments. However, it’s important to remember that the stock market can be volatile, so you should always research and analyse potential investments before you commit your money.

Another great ISA eligible investment in 2023 is property. Investing in property can be a great way to benefit from long-term capital appreciation, as well as potential rental income. Additionally, property investments can often be leveraged, meaning you can get a higher return than the amount you initially invested. However, it’s important to understand the costs involved in property investment, such as tax, mortgage costs, and maintenance expenses.

Finally, investing in bonds can be a great ISA eligible investment in 2023. Bonds are typically less volatile than stocks, meaning they are generally less risky investments. As such, they can be great for those who wish to build a steady and reliable return on their investments. In addition, bonds can provide a secure and steady income, making them great for those who wish to diversify their investment portfolio.

 

Ultimately, there are many great ISA eligible investments available in the UK in 2023. Depending on your individual goals and risk tolerance, you may choose to invest in stocks, property, or bonds. Remember to research and analyse your potential investments before making any commitment to ensure you make the most of your ISA eligible investments.

 

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by Rachel Buscall

by Rachel Buscall

Co-Founder & Managing Director at New Capital Link. Having started her career in the financial sector, Rachel demonstrated a natural flair for entrepreneurship.

New Capital Link

Alternative investment specialists offering structured opportunities across the UK & Overseas.

New Capital Link is a boutique London-based introducer that offers unique UK & global investment opportunities worldwide.

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Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be very complex and high risk.

What are the key risks?

1. You could lose all the money you invest

If the business offering this investment fails, there is a high risk that you will lose all your money. Businesses like this often fail as they usually use risky investment strategies. 

Advertised rates of return aren’t guaranteed. This is not a savings account. If the issuer doesn’t pay you back as agreed, you could earn less money than expected or nothing at all. A higher advertised rate of return means a higher risk of losing your money. If it looks too good to be true, it probably is.

These investments are sometimes held in an Innovative Finance ISA (IFISA). While any potential gains from your investment will be tax free, you can still lose all your money. An IFISA does not reduce the risk of the investment or protect you from losses.

2. You are unlikely to be protected if something goes wrong

The business offering this investment is not regulated by the FCA. Protection from the Financial Services Compensation Scheme (FSCS) only considers claims against failed regulated firms. Learn more about FSCS protection here. https://www.fscs.org.uk/what-we-cover/investments/ or

Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. Try the FSCS investment protection checker here. https://www.fscs.org.uk/check/investment-protection-checker/

The Financial Ombudsman Service (FOS) will not be able to consider complaints related to this firm or Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA-regulated firm, FOS may be able to consider it. Learn more about FOS protection here. https://www.financial-ombudsman.org.uk/consumers

3. You are unlikely to get your money back quickly

This type of business could face cash-flow problems that delay interest payments. It could also fail altogether and be unable to repay investors their money. 

You are unlikely to be able to cash in your investment early by selling it. You are usually locked in until the business has paid you back over the period agreed. In the rare circumstances where it is possible to sell your investment in a ‘secondary market’, you may not find a buyer at the price you are willing to sell.

4. This is a complex investment

This investment has a complex structure based on other risky investments. A business that raises money like this lends it to, or invests it in, other businesses or property. This makes it difficult for the investor to know where their money is going.

This makes it difficult to predict how risky the investment is, but it will most likely be high.

You may wish to get financial advice before deciding to invest.

5. Don’t put all your eggs in one basket

Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well. 

A good rule of thumb is not to invest more than 10% of your money in high-risk investments. https://www.fca.org.uk/investsmart/5-questions-ask-you-invest

If you are interested in learning more about how to protect yourself, visit the FCA’s website here: https://www.fca.org.uk/investsmart

For further information about minibonds, visit the FCA’s website here.https://www.fca.org.uk/consumers/mini-bonds