I’m an 投資家 and I’m 支援 the British Isa's extra £5,000 税金-解放する／自由な
Michael Taylor, pictured with his wife Nora, says he welcomes the new British Isa
A new British Isa will 許す 投資家s to 注ぐ an extra £5,000 into the 株式市場 each year, the （ドイツなどの）首相／（大学の）学長 発表するd yesterday.
Jeremy 追跡（する） introduced two new British 貯金 accounts in a 企て，努力，提案 to encourage 投資 in UK companies and 上げる the City ? a British Isa, run by stockbrokers, and new British 貯金 社債s, run by 国家の 貯金 & 投資s (NS&I).
The British Individual 貯金 Account will 許す 在庫／株s and 株 投資家s to deposit an extra £5,000 beyond the 存在するing £20,000 年次の Isa allowance ? so long as it is only used to 投資する in UK-名簿（に載せる）／表（にあげる）d companies.?
It will 適用する to those who have already maxed out their £20,000 年一回の allowance into the 税金-efficient accounts.
> What you need to know about the new British Isa?
As an 投資家, I'm 支援 the British Isa?
Michael Taylor, 33, thinks the introduction of a British Isa is a 広大な／多数の／重要な idea and will help this country’s companies.
Referring to 以前 討議するd 計画（する）s, he said: ‘What they were talking about before was just setting aside a 割合 of the £20,000 allowance of 存在するing Isas for British 在庫／株s.
‘Now, they have created a whole new Isa, with an 付加 £5,000 allowance if you only 投資する in British 在庫／株s, which makes more sense.’
However, he pointed out that the change will only really 衝撃 the 豊富な, who have £20,000 saved already.?
Mr Taylor and wife Nora, pictured, live with their 11-month-old between London and Hartlepool, where his parents are. He is a self-雇うd 在庫／株 仲買人.
After 税金s, their 年次の 収入s are in six 人物／姿／数字s. Mr Taylor doesn’t think the 予算 had much of an 影響 on him. He was hoping to see a lowering of 付加価値税 because it ひどく 衝撃s his 商売／仕事, which makes more than £85,000 in 歳入.
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The 広大な／多数の／重要な British 投資家: Mr 追跡（する） said he had received calls from the City to encourage more people to 投資する in UK 資産s
Extra £5,000 to 投資する 税金-解放する／自由な raises questions?
Mr 追跡（する） said he had received calls from more than 200 City 代表者／国会議員s to 改革（する） the Isa system and encourage more people to 投資する in UK 資産s.
The ひどく UK-focussed FTSE 250 rose by 1.24 per cent by 3pm yesterday on the news.
Jason Hollands, of Isa provider Bestinvest, said: ‘The British Isa is undoubtedly a victory for the City stockbrokers and 銀行業者s who have ロビーd hard for it まっただ中に a 干ばつ in newly-名簿（に載せる）／表（にあげる）d companies and a worrying sapping of companies 名簿（に載せる）／表（にあげる）d in London to New York.’
However, 専門家s at stockbrokers have 警告するd that the 対策 will その上の 複雑にする an already-コンビナート／複合体 system and will only advantage the wealthiest savers.
Just 900,000 savers made the 最大限 年次の 出資／貢献 of £20,000 into a 在庫／株s and 株 Isa, によれば 公式の／役人 人物／姿／数字s from HM 歳入 & Customs.
Michael Summersgill, 長，指導者 (n)役員／(a)執行力のある at AJ Bell, said the British Isa was ‘doomed to fail in its 客観的なs to kickstart growth’ and will 適用する only to a ‘tiny 少数，小数派’.< /p>
He said: ‘Fifty per cent of the money our 顧客s 現在／一般に 投資する through their 在庫／株s and 株 Isas is 投資するd into UK 資産s, so this new allowance will have no 衝撃 どれでも on their 投資 behaviour.?
'For most people, the British Isa only 追加するs an unwelcome 複雑さ.’
Rachael Griffin, 税金 and 財政上の planning 専門家 at Quilter, said: ‘While the British Isa is 現在のd as a 戦略の move to 支える the UK 株式市場 and economy, it is fraught with 可能性のある 落し穴s and may not 演説（する）／住所 the root 原因（となる）s of the challenges 直面するing the UK’s 財政上の 部門.
‘The 手段 is likely a 政治上-動機づけるd stunt ahead of 近づいている 選挙s, rather than a 井戸／弁護士席-considered 戦略 目的（とする）d at 維持できる 経済成長.’
投資家s who place too large a 株 of their money in British 在庫／株s 危険 giving up better returns in 全世界の 在庫／株s.
Over the past five years, the FTSE All 株, which 跡をつけるs 名簿（に載せる）／表（にあげる）d UK companies, has returned 7.67 per cent, while a 基金 that 跡をつけるs the 全世界の market has 伸び（る）d 13.03 per cent over the same period.
NS&I will 開始する，打ち上げる new British 貯金 社債s 早期に next month, which will 保証（人） savers a 直す／買収する，八百長をするd 率 of 利益／興味 for three years on 投資s between £500 and £1 million. The 社債s will 取って代わる NS&I’s 保証（人）d Growth 社債s and 保証（人）d Income 社債s, which were last on sale in 2019.
The three-year 率 of 利益／興味 will be 発表するd next month in line with the market, and 投資家s will be able to open an account online. There will be support for 顧客s who are unable to connect online.
Any money 投資するd in the 財務省-支援するd bank is 安全な・保証する and 投資するd into supporting the UK.
Compare the best DIY 投資するing 壇・綱領・公約s and 在庫／株s & 株 Isas
投資するing online is simple, cheap and can be done from your computer, tablet or phone at a time and place that 控訴s you.
When it comes to choosing a DIY 投資するing 壇・綱領・公約, 在庫／株s & 株 Isa or a general 投資するing account, the 範囲 of 選択s might seem 圧倒的な.?
Every provider has a わずかに different 申し込む／申し出ing, 非難する more or いっそう少なく for 貿易（する）ing or 持つ／拘留するing 株 and giving 接近 to a different 範囲 of 在庫／株s, 基金s and 投資 信用s.?
When 重さを計るing up the 権利 one for you, it's important to to look at the service that it 申し込む／申し出s, along with 行政 告発（する），告訴（する）／料金s and 取引，協定ing 料金s, 加える any other extra costs.
To help you compare the best 投資 accounts, we've crunched the facts and pulled together a 包括的な guide to choosing the best and cheapest 投資するing account for you.?
We 最高潮の場面 the main players in the （米）棚上げする／（英）提議する below but would advise doing your own 研究 and considering the points in our 十分な guide linked here.
>> This is Money's 十分な guide to the best 投資するing 壇・綱領・公約s and Isas?
壇・綱領・公約s featured below are 独立して selected by This is Money’s specialist 新聞記者／雑誌記者s. If you open an account using links which have an asterisk, This is Money will earn an (v)提携させる(n)支部，加入者 （売買）手数料，委託（する）／委員会／権限. We do not 許す this to 影響する／感情 our 編集（者）の independence.?
| Admin 告発（する），告訴（する）／料金 | 告発（する），告訴（する）／料金s 公式文書，認めるs | 基金 取引，協定ing | 基準 株, 信用, ETF 取引，協定ing | 正規の／正選手 投資するing | （株主への）配当 reinvestment | ||
|---|---|---|---|---|---|---|---|
| AJ Bell*? | 0.25%? | Max £3.50 per month for 株, 信用s, ETFs.? | £1 .50 | £5? | £1.50 | £1.50 per 取引，協定? | More 詳細（に述べる）s |
| Bestinvest* | 0.40% (0.2% for ready made 大臣の地位s) | Account 料金 削減（する） to 0.2% for ready made 投資s | 解放する／自由な | £4.95 | 解放する／自由な for 基金s? | 解放する／自由な for income 基金s | More 詳細（に述べる）s |
| Charles Stanley Direct* | 0.35%? | No 壇・綱領・公約 料金 on 株 if a 貿易（する） in that month and 年次の max of £240 | 解放する／自由な | £11.50 | n/a | n/a | More 詳細（に述べる）s |
| Fidelity* | 0.35% on 基金s | £7.50 per month up to £25,000 or 0.35% with 正規の／正選手 貯金 計画（する）.? | 解放する／自由な | £7.50 | 解放する／自由な 基金s £1.50 株, 信用s ETFs | £1.50 | More 詳細（に述べる）s |
| Hargreaves L ansdown* | 0.45% | Capped at £45 for 株, 信用s, ETFs | 解放する／自由な | £11.95 | £1.50 | 1% (£1 min, £10 max) | More 詳細（に述べる）s |
| Interactive 投資家*? | £4.99 per month under £50k, £11.99 above, £10 extra for Sipp | 自由貿易 価値（がある） £3.99 per month (does not 適用する to £4.99 計画（する）) | £3.99 | £3.99 | 解放する／自由な | £0.99 | More 詳細（に述べる）s |
| iWeb | £100 one-off 料金 (waived until July 2024) | £5 | £5 | n/a | 2%, max £5 | More 詳細（に述べる）s | |
| ?Accounts that have some 限界s but attractive 申し込む／申し出s | ? | ? | |||||
| Etoro*??No 投資 基金s or Sipp | 解放する／自由な | 投資 account 申し込む／申し出s stoc ks and ETFs. Beware high 危険 CFDs. | Not 利用できる? | 解放する／自由な? | n/a? | n/a? | More 詳細（に述べる）s? |
| 貿易（する）ing 212*? | 解放する／自由な? | 投資 account 申し込む／申し出s 在庫／株s and ETFs. Beware high 危険 CFDs.? | Not 利用できる? | 解放する／自由な? | n/a? | 解放する／自由な? | More 詳細（に述べる）s? |
| Freetrade* No 投資 基金s | ?Basic account 解放する／自由な,? 基準 with Isa £4.99, 加える £9.99 | Freetrade 加える with more 投資s and Sipp is £9.99/month inc. Isa 料金 | No 基金s? | 解放する／自由な? | n/a? | n/a? | More 詳細（に述べる）s? |
| 先導??Only 先導's own 製品s | 0.15%? | Only 先導 基金s | 解放する／自由な? | 解放する／自由な only 先導 ETFs? | 解放する／自由な? | n/a? | More 詳細（に述べる）s? |
| (Source: ThisisMoney.co.uk May 2024. Admin % 告発（する），告訴（する）／料金 may be 徴収するd 月毎の or 年４回の | |||||||
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