Should you prioritise 生成するing income for your Isa? 専門家s give their 最高の，を越す 選ぶs
With just days to go until the end of the 税金 year, you might be looking for some last-minute inspiration for your Isa.
Income 基金s and （株主への）配当-支払う／賃金ing 在庫／株s continue to be popular の中で 投資家s this year as they 追跡（する） 安定した returns.
These high 産する／生じる 投資s can help to 生成する extra cash to help in the 即座の 称する，呼ぶ／期間／用語, while 構内／化合物d 利益／興味 can その上の 上げる 伸び（る）s over the long 称する，呼ぶ／期間／用語.
Income-探検者s: 投資家s are looking to income 基金s and 社債s for 安定した returns?
And as the 税金 重荷（を負わせる） rises as a result of frozen thresholds, 持つ／拘留するing income-生成するing 資産s in an Isa is more 価値のある than ever.?
We ask 専門家s where income-捜し出すing 投資家s should consider parking their cash.??
Why 投資する for income?
While インフレーション might be 近づくing the Bank of England's 2 per cent 的, it continues to eat into 貯金 マリファナs and banks are starting to 削減（する） their 貯金 率s.
追加するing d ividend-支払う／賃金ing 投資s into your 大臣の地位 can 供給する you with reliable income and 資本／首都 growth.
If you're looking for 株 and 基金s that will 生成する income, you will want to 的 those with a high 産する／生じる. The higher the 産する／生じる the more cash it 支払う／賃金s out 親族 to the cost of the 基金.
Jason Hollands, managing director of Bestinvest 公式文書，認めるs that 投資家s 'should not やむを得ず 追求する the highest 産する／生じるs as this might come at the expense of growth 可能性のある.
'If you need your 投資s to support you in 退職 over many years, it is important that the 資本／首都 value isn't eroded and payouts rise over time to 相殺する インフレーション. 公正，普通株主権 income 基金 申し込む／申し出 greater 可能性のある for this than 社債 基金s or 組織／基盤／下部構造.'
Darius McDermott, managing director of FundCalibre says: 'Prioritising income in your Isa has multip le 利益s: pocketed 産する／生じる can 補足（する） your lifestyle or help 支払う／賃金 the 法案s, while 構内／化合物d 利益／興味 can その上の 上げる 資本／首都 伸び（る）s over the long 称する，呼ぶ／期間／用語.'
Diversifying your 大臣の地位 across different 投資 styles, 資産s and 地理学s will be 決定的な to 確実にする it keeps pace with インフレーション.
Where should income-捜し出すing 投資家s look?
If you are looking to 投資する for income, you can 含む any individual 株 in companies that 支払う／賃金 out （株主への）配当s.
There are also 基金s and 信用s designed 特に for income, which may be a simpler 選択.
If you are looking to 投資する in income 基金s, look for those with 'inc' in their 肩書を与える, rather than 'acc' which 示すs growth. 'Inc' 基金s will 支払う／賃金 （株主への）配当s straight to 投資家s rather than reinvesting it 支援する into the 基金.
There are plenty of 選択s 利用できる to income-捜し出すing 投資家s across 公正，普通株主権s, 社債s and 所有物／資産／財産, 同様に as 代案／選択肢s like renewable energy.
Dan Coatsworth, 投資 分析家 at AJ Bell, says: 'The UK market is blessed with lots of income 適切な時期s, many of which 支払う／賃金 higher （株主への）配当 産する／生じるs than you might find in other 地理学s such as the US. That is music to the ears of people in 退職 who might be reliant on their 投資s to 生成する an income to 支払う／賃金 the 法案s.
'A lot of the UK 公正，普通株主権 income 基金s are concentrated in the same group of 在庫／株s, principally in the banking, oil and life 保険 部門s where some of the most generous （株主への）配当s can be 設立する.
'収入s growth is low or 予測できない in these 部門s, hence why companies use generous （株主への）配当s to make their 株 attractive to 投資家s.'
Paul Angell, 長，率いる of 投資 研究 at AJ Bell favours Man GLG Income which 投資する in 'undervalued and unloved companies… those 貿易（する）ing below their 交替／補充 cost and those where the market appears to be undervaluing 利益（をあげる） streams.'
He says: '基金 経営者／支配人 Henry Dixon is very experienced and his analytical mindset 供給するs a level of pragmatism that 許すs the 基金 to navigate through a variety of market 条件s.
'This is a very 活発に managed 基金, which can diverge 意味ありげに from the 索引 and have high levels of turnover. These factors often result in both the 基金's volatility and 処理／取引 costs 存在 elevated.'
Hollands （テニスなどの）シングルス out Blackrock UK Income which 支援するs companies 'with strong （株主への）配当 growth 可能性のある rather than the highest payouts today.'
Its 最高の，を越す holdings 含む 爆撃する, AstraZeneca, Rio Tinto and HSBC, and it has a 現在の 産する／生じる of 3.9 per cent.
社債s are 支援する in favour
直す／買収する，八百長をするd income can also be a good start for 投資家s looking to 追加する some income to their 大臣の地位. In an 時代 of ultra-low 利益／興味 率s, 社債s were 産する／生じるing の近くに to 0 per cent meaning they were overlooked by 投資家s.?
With 率s now at higher levels, 投資家s have fallen 支援する in love with 社債s which have '埋め立てるd their rightful place as an income 中心的要素,' says McDermott.
Darius McDermott says 社債s have become an income 中心的要素 again
産する／生じるs on 投資-grade 法人組織の／企業の 社債s are at their highest levels in years, giving 投資家s the 適切な時期 to lock in income for the foreseeable 未来.
McDermott favours the Liontrust 維持できる 未来 月毎の Income 基金 and 王室の London 法人組織の／企業の 社債, both of which 現在／一般に 申し込む／申し出 a 産する／生じる 越えるing 5 per cent.
'危険 averse 投資家s may prefer 政府 社債s, such as gilts or 財務省s, which also 現在／一般に 申し込む／申し出 競争の激しい 産する／生じるs,' he says. '歴史的に, they have a 消極的な correlation with 公正，普通株主権s at times of market 強調する／ストレス and therefore can 錨，総合司会者 your 大臣の地位 should 在庫／株s take a dive.'
Jason Hollands recommends TwentyFour 法人組織の／企業の 社債 基金, which 焦点（を合わせる）s まず第一に／本来 on 投資 grade 社債s, although it 投資するs in 政府 社債s too.
'The 基金 has the 柔軟性 to 投資する up to 20 per cent in riskier, high 産する／生じる 社債s (those 問題／発行するd by companies with いっそう少なく 財政上の strength). However, in practice these 現在／一般に 代表する just 6.4 per cent of the 基金.
'The 最新の 産する／生じる on the 基金 is an インフレーション and cash （警官の）巡回区域，受持ち区域ing 6 per cent, with 配当s made to 投資家s on a 年４回の basis.'
Cheap 投資 信用s 申し込む／申し出 attractive 産する／生じるs
投資 信用s also 申し込む／申し出 適切な時期 for income because, unlike open-ended 基金s, 信用s can 持つ／拘留する 支援する up to 15 per cent from their 投資s and use it to 補足（する） （株主への）配当s in 未来 years.
City of London 投資 信用 is unrivalled when it comes to payouts having 増加するd its （株主への）配当 for 58 連続した years.
Jason Hollands favours two 長年の 投資 信用s?
Coatsworth says: 'City of London 投資 信用 has a blend of value and income for its 投資 style. Its 0.37 per cent 年次の 告発（する），告訴（する）／料金 is の中で the lowest in the UK 公正，普通株主権 income space and a 5 per cent 産する／生じる is higher than the FTSE 100 which 申し込む／申し出s 3.9 per cent.
'One can understand why this 信用 is so popular の中で 投資家s given this 高めるd 産する／生じる, with City of London 定期的に featuring の中で the most bought 投資 信用s on the AJ Bell 壇・綱領・公約.'
Hollands recommends Murray Income 信用 which has 'produced 一貫した long-称する，呼ぶ／期間／用語 業績／成果, 特に in 女性 market 環境s.'
It has grown its （株主への）配当 every year since 1973 and has a 現在の （株主への）配当 産する／生じる of 4.6 per cent.
He also recommends 寺 妨げる／法廷，弁護士業 投資 信用, managed by value 投資家s Nick Purves and Ian Lance.
'With the UK market 現在／一般に unloved and valuations very cheap compared to 全世界の 公正，普通株主権s and longer-称する，呼ぶ／期間／用語 傾向, this is 正確に／まさに the sort of 環境 throwing up incredible 適切な時期s for the team.'
信用s 焦点（を合わせる）ing on 代案／選択肢 資産s like renewable energy, shipping and supermarkets can also 供給する a reliable income source, says McDermott.
'Many of these 信用s 現在／一般に 貿易（する） at 相当な 割引s to their NAV, にもかかわらず stil 申し込む／申し出ing an attractive and stable （株主への）配当, 現在のing an exceptional 適切な時期 for 投資家s.'
