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Legal & General ISAs

Legal & General ISAs - A great range of Index-Tracking ISAs and investment options from one of the UK's longest established financial institutions.

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L&G ISAs, Unit Trusts & Corporate Bonds

Over the long term, investing in the stock market can offer you a great potential for return on your investment. But finding the right investment can be time-consuming. There are just so many different types out there.

With Legal & General’s range of investments, simply choose the combination of funds that are best for you and invest in an ISA or directly in the unit trust. You can invest from as little as £500 lump sum or £50 a month. You should also remember that your investment is not guaranteed and the value may fall as well as rise.

What is an ISA?

ISA stands for Individual Savings Account. An ISA is a tax-efficient way of saving. It shelters your money from personal income and capital gains tax.

There are limits on the number of ISAs you can take out each year. You have an annual ISA investment allowance of £7,200, and you cannot exceed this. You can invest all £7,200 in a stocks and shares ISA, or up to £3,600 in a cash ISA and the remainder of the £7,200 in a stocks and shares ISA.

The stocks and shares element of your ISA can be invested in any of Legal & General's unit trusts (except the Cash Trust). You should also remember that your investment is not guaranteed, the value may fall as well as rise and the current tax situation may change in the future.

What is a unit trust?

A unit trust is simply a pool of individual investors’ money, which buys a spread of investments. The trust is divided into units. The number of units you buy represents your share of the trust.

These investments can range from index-tracking trusts which will buy shares to track a variety of indices, or actively managed trusts where the stocks or other investments are picked and managed by a fund manager.

You can either invest straight into a unit trust or wrap up to £7,200 each tax year in an ISA. There is no limit to the amount that you can invest in a unit trust, although the maximum online investment is £50,000. You must also remember that unit trusts are not tax free and although there is no minimum period, unit trusts are designed to be a long-term investment of at least five years. You should also remember that your investment is not guaranteed and the value may fall as well as rise.

What is a corporate bond?

Bonds are a type of fixed interest security, which is in effect a method of 'lending' money to the government or a company.

When you invest into a corporate bond fund, L&G lend your money to companies who will then agree to pay interest on the amount over a certain period of time. Corporate bonds are issued by different companies at varying rates of interest. Generally speaking, the more secure a company is, the lower the rate of interest it will need to attract investors. You should also remember that your investment is not guaranteed and the value may fall as well as rise.

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