St David's for the best ISA advice

From April 1999 hundreds of Individual Savings Accounts (ISAs) became available in three different forms. ISAs are tax efficient and offer the potential for growth from some of the most exciting investment opportunities in the world - or greater security if required. One of our advisors can guide you through all the options available.
The information on this page is designed to help you understand why you need to think about ISAs, the issues you should be aware of and how we can advise you concerning what action you should take.

What is an ISA?

Individual Savings Accounts are intended to be simple, flexible, tax-free savings plans that are widely available and easy to set up.
You can set up an ISA without giving instructions in writing, which allows ISAs to be set up over the telephone or through the Internet. The ISA manager will then send you confirmation of what has been set up, which you can change if necessary.
You can also save in an ISA that will offer tax-efficient savings through a wide range of investments. ISAs may have up to two separate elements:

Investment - which includes unit trusts, investment trusts, open ended investment companies (OEICs), gilts, equities and corporate bonds.
Cash - which includes bank and building society accounts, National Savings and cash unit trusts.

You can choose to invest in one element of the ISA, two elements or depending on your requirements and circumstances.

Some of the products and services offered by IFAs may not be regulated by the FSA. The value of investments can go down as well as up. Past performance is no guarantee of future performance.