David’s ISA 2021

Background 07/02/2021– This is my Stocks & Shares ISA consisting of over 30 managed funds.  I charge the ISA 3% on each contribution plus 0.5% per annum of fund value for an investment performance review.  The yellow line shows value after costs and the blue dotted line shows gross contributions. Green block shows money taken out. … Read more

Investment Bond 2020

Columns show the amount of profit (in yellow) compared to the amount invested (in brown) for five different clients. Client one invested in 1994, two in 1996, three in 2002,  four in 2011 and five in 2017. Chequered yellow and white shows “withdrawals,” which may be viewed as profit already taken. Performance relates to one particular fund managed by one major UK investment provider. This particular … Read more

2020 Budget

How much income can you receive before paying tax 2019/20 – £12,500 2020/21 – £12,500 you start to lose this allowance when annual income exceeds £100,000  How much income can you receive before paying higher rate tax (40%)? 2019/20 – £50,000 2020/21 – £50,000 ISA contribution limits The annual ISA limit will be £20,000 for 2020/21 (currently £20,000) … Read more

Investment Bond 2019

The columns show the ratio of profit to lump sum investment for nine different clients. Client one invested in 1994, two in 1996, three in 1999,  four in 2002, five in 2005, six in 2008, seven in 2011, eight in 2014 and client nine in 2017.  Performance relates to one particular fund managed by one major UK investment provider. Brown shows amount invested.  Yellow shows accrued profit … Read more

Davids ISA 2019

Background 10/03/2019– This is my Stocks & Shares ISA consisting of over 30 managed funds.  I charge the ISA 3% on each contribution plus 0.5% per annum of fund value for an “investment performance review”.  The orange line shows value after costs and the blue line gross contributions.  Everyone’s ISA will perform differently depending on funds … Read more