Half of people open to 投資するing in a British Isa - but 計画（する） has 誘発するd 審議 over 'home bias'
- British Isa 申し込む／申し出s chance to 投資する an extra £5,000 a year 税金 解放する／自由な in UK 資産s
- It has 生成するd 審議 about 'home bias', a 罠（にかける） 投資家s are 警告するd against?
- Will you put money in the new Isa? 投票（する） in our 投票 below?
Half of people are attracted to a British Isa and one in five are definitely keen to （問題を）取り上げる the 適切な時期, new 研究 明らかにする／漏らすs.
But the snap 投票 明らかにする／漏らすs a ４半期/4分の1 of people will not consider using the new Isa, which was 発表するd in the 予算 earlier this month but is not likely to be 開始する，打ち上げるd for another year.
The British Isa will 申し込む／申し出 the chance to 投資する £5,000 a year 税金 解放する／自由な in UK 資産s, on 最高の，を越す of the 存在するing allowance to put £20,000 in cash or 株 - home or overseas - in each 税金 year.
British Isa: Earliest likely 開始する，打ち上げる date is thought to be April 2025.
People who already have an Isa are most 利益／興味d at 57 per cent 全体にわたる, but that rises to 63 per cent の中で those with a 在庫／株s and 株 Isa, によれば the 調査する by 研究 会社／堅い Opinium.
の中で those shunning the British Isa, 26 per cent 欠如（する）d the money, 22 per cent were not 利益／興味d in 投資するing in UK 資産s, and 21 per cent didn't know enough about it.
Some 18 per cent preferred to use the 存在するing £20,000 年次の Isa al lowance - where you can 投資する in UK 資産s without 制限 - and 16 per cent thought the returns would not be as good as from other 貯金 or 投資 製品s.
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'There is a 重要な 量 of 可能性のある 利益／興味 from the public in the new 製品, 特に の中で those with an 存在するing Isa,' says Alexa Nightingale, 長，率いる of 財政上の services 研究 at Opinium.?
'The British Isa is ありそうもない to be 利用できる until next year as the 支配するs around it are 現在／一般に 存在 協議するd on.'
In the days すぐに に引き続いて the 予算, her 会社／堅い 調査するd 2,000 UK adults who were 国家的に 代表者／国会議員 on age, gender, 地域, 雇用 status and social grade. Some 6 per cent said they didn't have any 貯金 or 投資s 製品s.
This is Money has carried out a reader 投票, which showed 42 per cent 手配中の，お尋ね者 to 投資する in the British Isa, and 20 per cent were waiting to find out the 支配するs first, at the time of 令状ing.?
News of a British Isa has 生成するd 審議 about 'home bias', a behavourial 罠（にかける） 投資家s are 定期的に 警告するd against, although there are advantages 含むing superior 地元の knowledge and 存在 投資するd in your own 通貨.
This is Money's Publisher, Simon Lambert, points out the UK makes up いっそう少なく than 4 per cent of the 全世界の 株式市場, so if 投資家s take 十分な advantage of the British Isa they will be sticking 20 per cent of a new total 年次の allowance of £25,000 into the UK - read his take below.
The 計画（する） 誘発するd a 警告 from Steven Cameron, 年金s director at Aegon, who says: 'While we understand why the （ドイツなどの）首相／（大学の）学長 wants to encourage more 投資 in UK companies, the 財政上の regulator, the 財政上の 行為／行う 当局, recently introduced new "消費者 義務" 規則s meaning 財政上の providers must 論証する any 製品 they sell 申し込む／申し出s good value for a 明確な／細部 的 group of 顧客s.
'The 提案するd British Isa could raise challenges here as it will have a 特に 狭くする 的 market.
'Even for individuals "maxing out" their 在庫／株s and 株 Isas, there are questions over the appropriateness of 増加するing （危険などに）さらす to UK 公正，普通株主権s rather than spreading their 投資 危険s through a more 地理学的に diversified 大臣の地位.'
Cameron 示唆するs having 財政上の 製品s 明確に labelled with how much they 投資する in UK 公正，普通株主権s, と一緒に their 危険 profile and 投資 mix.
'Individual 投資家s could then make 知らせるd 決定／判定勝ち（する）s, perhaps with the help of 助言者s, on the ext ent to which they want to support the 国内の economy while 追求するing longer-称する，呼ぶ／期間／用語 goals.'
A 財務省 spokesperson says: 'The UK Isa creates a 税金-解放する／自由な 投資 適切な時期 to encourage more people to 投資する in the UK and 利益 from the growth of the most 約束ing UK 商売／仕事s.
'We are 現在／一般に 協議するing on the design and 実施 of the UK Isa.'
The 協議 is open until?to 6 June 2024:?UK Isa 協議.
Home bias: What are the プロの／賛成のs and 反対／詐欺s
Home bias in 投資するing 申し込む／申し出s some natural advantages, ーに関して／ーの点でs of 地元の knowledge and 存在 投資するd in your own 通貨.
The biggest UK companies make a lot of money overseas so the 恐らく 'home' market is 国祭的な 焦点（を合わせる）d. If you are an income 投資家, it is also a solid 発生させる人（物） of （株主への）配当s
But there are （疑いを）晴らす downsides to 焦点（を合わせる）ing too 辛うじて on one market, which 反抗するs the usual 投資するing 知恵 to spread your 危険, and 削減（する）s you off from 価値のある 適切な時期s and 革新s that 起こる／始まる overseas.
The FTSE 100 in particular is 支配するd by a few 産業s, like 商品／必需品s and 財政上のs, which can have an outsized 影響 on a 大臣の地位 when they are in or out of favour.
How much UK （危険などに）さらす do YOU want??
Simon Lambert:?The good news for those considering 支援 a British Isa or 在庫／株s in general is that the UK 株式市場 looks cheap
This is Money's Publisher, Simon Lambert, says:
The UK makes up いっそう少なく than 4 per cent of the 全世界の 株式市場, which is why Britain’s amateur 投資家s are 定期的に 警告するd against home bias.
This is a behavioural 投資するing 罠（にかける） that it’s 平易な to 落ちる into when you 消費する a diet that’s 激しい on news about UK companies, while 軽食ing on the thoughts of UK-焦点（を合わせる）d 基金 経営者／支配人s and 専門家s and enjoying a few cups of FTSE 100 updates a day.
You wouldn’t need to dig too 深い in the 大臣の地位s of many active British 投資家s to find that they don’t 反映する something like the MSCI 全世界の 索引.
Here the US 株式市場 makes up 71 per cent, Japan, 6.2 per cent and the UK 3.75 per cent ? just ahead of フラン on 3.15 per cent.
If you’ve got 10 per cent of your total 投資s in London-名簿（に載せる）／表（にあげる）d 在庫／株s, you are taking a big bet on the UK market.
In his 予算, Jeremy 追跡（する） enthusiastically 発表するd his new British Isa with an extra £5,000 税金-解放する／自由な allowance for 支援 UK 名簿（に載せる）／表（にあげる）d 会社／堅いs.
If 投資家s take advantage, they will be sticking £5,000 out of a new bigger total 年次の Isa allowance of £25,000 into the UK.
That’s a 20 per cent 負わせるing, which you don’t need to be a 統計に基づく wizard to understand is かなり bigger than 3.75 per cent.
The good news for those considering 支援 a British Isa or 在庫／株s in general is tha t the UK 株式市場 looks cheap. That’s the flipside of all that underperformance that we’ve seen from UK 株 in 最近の years.
And while the UK market seems to 欠如（する） a catalyst to get those undervalued 株 moving up en-集まり, that’s not true of individual 在庫／株s.
