P537 Teletext 537 Oct27 21:12:26    ——————————————————————————————————————— FUTURE UNCERTAIN AS SHARE ISA SALES DIP Lacklustre stock markets, interest rate rises and tax regime changes have taken their toll on stocks and shares-based Individual Savings Accounts (Isas). The money going into equity-based Isas was surpassed by the amount cashed in for the first time in September, says the Investment Management Association. Cash Isas have fared better in recent years, but they too face problems as allowances are set to be cut in 2006. ——————————————————————————————————1/10— by John Stepek FOR LOTTERY, WE HAVE THE LOTTO p123 Savings Prem Bonds Savings TV Guide
P537 Teletext 537 Oct27 21:12:52    ——————————————————————————————————————— FUTURE UNCERTAIN AS SHARE ISA SALES DIP Individual Savings Accounts (Isas) allow investors to shelter their money from income tax and capital gains tax. urrent allowances are as follows: Mini-Isas: up to £3,000 in cash, up to £3,000 in stocks and shares, and up to £1,000 in life insurance over three separate mini-Isas. Maxi-Isas: up to £7,000 in equities, £3,000 cash and £1,000 insurance to a maximum £7,000 in a single maxi-Isa. ——————————————————————————————————2/10— "Best buy" personal loans 546 MONEY MATTERS! PERSONAL FINAN E p530 Savings Prem Bonds Savings TV Guide
P537 Teletext 537 Oct27 21:13:28   U ——————————————————————————————————————— FUTURE UN ERTAIN AS SHARE ISA SALES DIP Last month more money was taken out of equity Isas than was put in for the first time since their 1999 l!unch says the Investment Management Association. Overall, £23.5m was withdrawn in September compared to £24.8m invested in August, and well down on the £259.5m invested in September 2003. IMA head Richard Saunders blames the uncertain outlook for shares, rising interest rates and fewer tax benefits. ——————————————————————————————————3/10— "Best buy" credit cards 546 SHARE MOVERS AND SHAKERS p513 Savings Prem Bonds Savings TV Guide
P537 Teletext 537 Oct27 21:13:44    ——————————————————————————————————————— FUTURE UN ERTAIN AS SHARE ISA SALES DIP Tax changes to equity Isas, removing main benefits for basic-rate taxpayers, are one c!use of falling sales. When dividends are paid investors are treated as having paid 10% tax at source, leaving basic rate taxpayers with nothing further to pay. This 10% used to be paid back to Isas but stopped from April 2004. Higher rate payers still gain from saving on their further 25% tax liability. ——————————————————————————————————4/10— Personal Finance headlines today 531 BE TOTALLY ENTERTAINED p300 Savings Prem Bonds Savings TV Guide
P537 Teletext 537 Oct27 21:14:10    ——————————————————————————————————————— FUTURE UN ERTAIN AS SHARE ISA SALES DIP The poor performance of the FTSE 100 stock market since its peak in early 2000 has seen interest in equity Isas decline since their 1999 introduction, in favour of the safer cash Isa. Tax Year Equity Isas Cash Isas 1999/00 £16.1bn £12.3bn 2000/01 £15.2bn £14.5bn 2001/02 £11.3bn £17.1bn 2002/03 £9.2bn £18.6bn 2003/04 £8.1bn £19.4bn Source: Inland Revenue ——————————————————————————————————5/10— Work out your holiday money 547 GET AWAY FROM IT ALL! HOLIDAYS p200 Savings Prem Bonds Savings TV Guide
P537 Teletext 537 Oct27 21:14:36    ——————————————————————————————————————— FUTURE UN ERTAIN AS SHARE ISA SALES DIP Investors have increasingly turned to cash rather than equity Isas since their l!unch in 1999. But despite exhortations for people to save more, Gordon Brown is slashing the amount that can be saved in cash Isas from April 2006, from £3,000 to £1,000. More than 1.1m savers from low to middle income groups — the Government's target market — will be hit by the move, according to the Halifax. ——————————————————————————————————6/10— Are you a Premium Bond winner? 539 BACK A WINNER WITH RACING NEWS p550 Savings Prem Bonds Savings TV Guide
P537 Teletext 537 Oct27 21:14:45    ——————————————————————————————————————— FUTURE UNCERTAIN AS SHARE ISA SALES DIP Isa allowance cuts are "a paradox when the need to save is ever greater," says independent financial adviser Bates Investment Services' Paul Ilott. But he points out that people will be able to place up to £1,200 a year in the Government's flagship child savings scheme, Child Trust Funds. "It's another way of the Government maneouvering to help channel savings where theu want them to go," he says. ——————————————————————————————————7/10— Your tax allowances 543 RACING EXTRA — A FRONTRUNNER p570 Savings Prem Bonds Savings TV Guide
P537 Teletext 537 Oct27 21:15:10    ——————————————————————————————————————— FUTURE UNCERTAIN AS SHARE ISA SALES DIP From April 6 2005, the insurance Isa component will be scrapped but it will be possible to move many of such products into the equities component. From April 6 2006 allowances will be: Mini-Isas: Up to £1,000 in cash and up to £4,000 in stocks and shares. Maxi-Isas: Up to £5,000 in equities and £1,000 in cash to an overall £5,000 maximum. ——————————————————————————————————8/10— BE TOTALLY ENTERTAINED p300 Savings Prem Bonds Savings TV Guide
P537 Teletext 537 Oct27 21:15:54 Advertisement 9/10         @ DON'T SURRENDER YOUR ENDOWNMENT POLICY WITHOUT TALKING TO AAP  YOU COULD GET UP TO 35% MORE CASH BY SELLING YOUR POLICY INSTEAD.    CALL AAP NOW ON        Aap is authorised & regulated by the FSA Savings Prem Bonds Savings TV Guide
P537 Teletext 537 Oct27 21:12:07 AdvertUsement 10/10 ARE YOU OVER 50? DO YOU HAVE A PENSION THAT YOU ARE NOT CURRENTLY RECEIVING? YOU COULD GET A TAX FREE CASH SUM AND/OR A MONTHLY INCOME NOW FOR A FREE INFORMATION PACK CALL NOW!   BRAEMAR FINAN IAL PLANNING LTD AUTHORISED AND REGULATED BY THE FINANCIAL SERVICES AUTHORITY PENSION UNLOCKING IS ONLY SUITABLE FOR A VERY LIMITED NUMBER OF PEOPLE & CIRCUMSTANCES & WILL REDU E YOUR RETIREMENT INCOME. Savings Prem Bonds Savings TV Guide