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Junior ISAs

There are a number of different ways for parents to invest and save for their children, and one of the most popular ways is by putting money into a Junior ISA. Unlike standard accounts (where any income or savings investment above £100 per year from money derived from either parent is taxable at that parent’s tax rate), Junior ISAs offer a tax-free way for parents to save for their children up to the age of 18. The annual limits are much lower than on the basic cash ISA: at present, no more than £4,080 can be put into a Junior ISA each tax year.Continue reading

Stocks & Shares ISAs

If you don’t mind taking a few risks with your money and you have the time to ride out any market fluctuations, putting some money into a tax-efficient stocks and shares ISA could be a smart move. There’s a huge range to choose from, and you don’t even have to invest in stocks and shares – you can invest in bonds, government gilts, commercial property and even commodities such as gold.Continue reading

Cash ISAs

It’s estimated that 80% of the 12.5 million ISAs that have been opened are cash ISAs, and there’s a very good reason why they’re so popular: with a cash ISA, you don’t pay tax on the interest you earn. This makes cash ISAs an attractive option for anyone who normally pays tax on their savings, and it’s one of the main reasons why they’re the best way for most people to save money. And although the new Personal Savings Allowance (PSA) means that all basic rate taxpayers will now earn £1,000 interest from all savings without being taxed on it, cash ISAs are still worth considering as the cash saved within them will be tax-free indefinitely.Continue reading

Roses and thorns

With the effects of the tariffs announced by Donald Trump in the White House Rose Garden still to play out, Raymond James European Strategist, Jeremy Batstone-Carr, considers some of the potential effects on the global economy.

Investment Strategy Quarterly – April 2025

The second Investment Strategy Quarterly of 2025 takes the lid off some of the big themes in global investments at the moment, including the Trump effect across tariffs, deregulation, deportations and more, as well as options for UK market resilience in the face of challenging times. We also take a look at potential strategies for Europe and the case for industrial metals.

Read all this and more in Investment Strategy Quarterly: Markets on the Clock.

Sledgehammer

With the current US administration seemingly taking a sledgehammer to established norms, our European Strategist, Jeremy Batstone-Carr considers the potential effects of tariffs, changing international relations, domestic increases in defence spending and more, on investments.

Twin Peaks

Jeremy Batstone-Carr, Raymond James European Strategist, takes a deep dive into some of last month’s destabilizing activities including the potential ramifications of the new US administration’s campaign promises and the recent upset in the technology sector generated by China’s norm-busting AI model, DeepSeek.

Foundations for the future

In the last Monthly Market Commentary of the year, Raymond James’ European Strategist, Jeremy Batstone-Carr, looks back over November and discusses a shift in investor sentiment, contrasting economic performances, fiscal policy decisions in the UK and Europe, and more.