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            Investing Your Funds 
               
              
              
            See Your Money for
            basic savings advice.
               
              
              There has been a lot of publicity
              in the last few years about Windfall Shares: Shares paid out
              to members of Building Societies and other mutual bodies
              converting to Banks or being taken over: The
              outlook is that we can expect more of the same! 
       
                    If
              you have been fortunate enough to have been on the receiving end
              of any such payouts, you may have considered how to best use the
              Shares - whether to hold or sell, where to keep them (the shares)
              or their proceeds, and what else to invest in. Every financial
              services company out there (Banks, Building Societies, Insurance
              Companies, Investment Companies etc), wants a part in your
              windfall.!! I have put this page together to
              give a bit of free help in making those choices. 
              Wealth Warning: 
 The value of any
              stock market related investment can go down as well as up.  
              If you are unclear on anything offered take professional advice.  
              See also 
				About
              FreeBeez.    
              
               More
              FREE Guides to help you  
            FREE ISA Guide - Chase de Vere
              - 0800 526091 /  0800 9859005 
              FREE Guide on understanding  ISAs -
			Lloyds Bank -
              0800 056 0160 
              FREE ISA Information Pack - 
			CommShare- 0808
              100 5045 
              FREE Discount ISA Selection - Chelsea
              F S - 0800 071 3333 
              FREE  ISA Discount Directory - Elson Associates
              - 0800 0961111 
              FREE  ISA Discount Directory -  Hargreaves Lansdown -
              0800 850661 
              FREE Guide to Shareholder Perks -  Hargreaves Lansdown -
              0800 1380456 
              FREE Unit Trust/ OEIC Discount Directory -  Hargreaves Lansdown -
              0800 1380456 
              FREE Info pack on  Savings Strategy, Tax, Risk and Reward -
              
              Wesleyan- 0800 806060 
              FREE  Income  Guide - 
			 Columbia Threadneedle  
			- 0800 953 0134 
             
               Where
              NOT to Invest!  
            Beware the Rip-off scams arriving
            in your mail by the bucket load: 
            Never be duped into giving your hard
            earned cash, or your bank/credit card details to anybody you have
            never previously heard of claiming "you have won a prize"
            - All you are likely to have won is someone's affection for your
            money.  
            There are thousands of bogus money-making scam promotions operating 
			from both within the UK and from abroad. Get wised-up with
			
			Citizens Advice. 
	
                  Individual
              Savings Accounts (ISAs)  
              
                
                  
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                       There are three simple steps to
                      investing in an ISA:   | 
                   
                  
                    | 1) Decide how much you are going to
                      invest and which style of ISA (See ISA
                      Rules) | 
                   
                  
                    | 2) Select a provider ( See ISA
                      Info and/or Banking
                      on the Money page for Mini Cash ISAs.) | 
                   
                  
                    3) Select a Discount
                      Broker 
                     | 
                   
                 
               
               An ISA can be useful in that the dividends are
              Tax-free but beware the management charges: 
              Make sure they don't outstrip the tax savings BEFORE you commit your money! 
              
                
                  
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                       ISA Rules for Tax 
						year 2019/2020:  | 
                   
                  
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                       You may have Cash
                      ISA up to £20,000, 
						Or Stocks & Shares ISA up to £20,000,  
						Or an Innovative Finance ISA up to £20,000 
						or a mixture but the maximum combined limit is £20,000* 
						Part of your £20,000 may be held in a Help to Buy ISA 
						and/or Lifetime ISA 
						Lifetime ISA limit is £4,000 pa and that is still part 
						of your £20,000 limit  | 
                   
                  
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				Discounted ISAs 
            
            
              
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               DO NOT buy direct if you want a discount! 
 These
              companies give a discount on the value of the ISA you buy into, in
              the form of cashback or additional units, which you cannot get if
              you go direct!!  
 This applies to Unit Trusts and OEICs held in an
              ISA 'wrappper'.  
              Note Investment Trusts (Its) do not attract the commission
              levels which enable discounts.            
                              
                   
            
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					For more
                      Mini/Maxi ISA (Equities) info direct:  
                      
                       (0800-
                            FREEPHONE Numbers; 0345- Lo-call Numbers).
                      
                      
                      
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