Good 意向s

By Justin Harper for MailOnline
Updated: 00:00 BST, 20 March 2003

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IF THE 株式市場 騒動 is putting you off using this year's Isa allowance there is a way to buy time.

Under the Isa 支配するs 投資家s can 持つ／拘留する their entire £7,000 Isa allowance in cash as long as they have the '意向 to 投資する'.

As long as you 手渡す the money over before April 6 you can then drip-料金d it into the 在庫／株 示す t on a 正規の／正選手 basis, その為に riding out 頂点（に達する）s and 気圧の谷s. The problem is that only a handful of Isa 経営者／支配人s will 許す you to do this. They are Fidelity, Foreign & 植民地の, Henderson and Invesco Perpetual.

But for a better choice you could use the 基金 supermarkets - Cofunds or FundsNetwork - or 独立した・無所属 財政上の 助言者 Hargreaves Lansdown, which operates a selfselect Isa giving 接近 to all the 基金s and direct 株 投資.

Fidelity has a 12-month 段階ing 施設 利用できる up until April 5, giving you the choice of more than 20 of its 基金s.

FundsNetwork, owned by Fidelity, will 許す you to drip 料金d your money over a six-month period. FundsNetwork is an internet 基金 supermarket giving a choice of more than 800 公正，普通株主権 基金s.

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?SIMON SIMS (pictured here with his girlfriend Fiona Stanley), has just 投資するd £7,000 経由で FundsNetwork which will be 段階d in. Simon, a 25-yearold 管理／経営 顧問 from South-West London, will see his money dripfeed into a 範囲 of 基金s over the next six months 含むing Fidelity's Special 状況／情勢s, Moneybuilder Income and American.

He says: 'The 株式市場 is so 安定性のない, but I didn't want to 行方不明になる a buying 適切な時期.'

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Foreign & 植民地の lets you 段階 your Isa over three or six months into its 旗艦 投資 信用 while Henderson lets you drip 料金d money into 基金s over three, six and 12 months.

Invesco Perpetual lets you 投資する your Isa allowance in over three, six or 12 months.

A 重要な point is the 量 of 利益／興味 you earn on your cash before it is 投資するd. It is 税金d at 20% in the 公正，普通株主権 Isa, but higher 率 taxpayers do not 支払う／賃金 extra 税金.

Foreign & 植民地の and Invesco Perpetual 支払う／賃金 no 利益／興味 while your money is in cash while Henderson 支払う／賃金s 利益／興味 at '夜通し money market 率s', 現在／一般に at about 1.6% after 税金. Fidelity and FundsNetwork curently 支払う／賃金s 利益／興味 at 3% after 税金.

Hargreaves Lansdown 許すs you to keep the 十分な £7,000 Isa allowance in cash until you are ready to 投資する. You can choose to 段階 the 投資 or 投資する a lump sum.

While money is held in cash Hargreaves Lansdown 支払う／賃金s you 2.8% 利益／興味 on the 十分な £7,000 after the 税金 deduction.

投資 supermarket Cofunds 現在／一般に 支払う／賃金s 1.4% after 税金 on cash held and is one of the only phasers which doesn't make you start dripfeeding すぐに.