Individual Savings Accounts (ISAs) replaced PEPs as a tax efficient wrapper with which to protect your hard earned saving from the tax-man.

Although these investments must be funded from taxed income and are therefore initially a less tax efficient method of investing your freelance income than a pension, you do have access to the funds at any time and they represent another of those ever fewer tax breaks that you really should exploit when able.

Whether its cash that you require instant access to, a more modest investment into an insurance fund or a fully blown equity based investment there's an ISA that is right for you.

It is important to understand that non cash ISAs are longer term in nature and that the value of investments and income from them can fall as well as rise. Past performance is also no guarantee of future performance.

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ISA "Finder"

Provided in association with Coulson Prichard Associates If you would like to discuss an ISA please read our Private Client Agreement and contact us. If you are unable to order online or require assistance, please call 01480 470220 and quote 'Hardhatter offer'.

Note: Investment Advice on this site is provided by Contractor Financials who are regulated by the Financial Services Authority (FSA).

Susie Hughes © Hardhatter.com 2006
The Editor