Na Wyspach pracuje już ponad 250 tysięcy Polaków. Niedługo otworzą się kolejne rynki pracy. Czy dostrzegają to banki?

cały artykuł: http://biznes.onet.pl/13,1377246,prasa.html

ja powiem tak... ze polacy na wyspach ogolnie to odkladaja w skarpete .. zamiast inwestowac. ja np. ide konsekwentnie w ISA, ale nie te bankowe - tylko powiernicze .... za poprzedni rok, od kazdego zainwestowanego tysiaca funtow wyplacali 1189. Wiec ladny procent, a nie ochlapy w banku na regular savings ..

no i "procenty" z konta bankowego są opodatkowane, a "procenty" z ISA (do określonej kwoty nie).

ja wole nieruchomosci

Rych napisał(a):no i "procenty" z konta bankowego są opodatkowane, a "procenty" z ISA (do określonej kwoty nie).

dokladnie - od kwoty ''zarobionej z procentow'' a ktora zglosilem do rozliczenia w razie co - nie zaplacilem ani pensa taxu, a kwota nie byla niska ....

[ Dodano: Nie 10 Gru, 2006 15:49 ]

andy napisał(a):ja wole nieruchomosci

warto inwestowac w bulgarii, gdzie ceny za 6 miesiecy podskocza o minimum 30 - 40 %, wiec kupic domek, sprzedac i tadammm

mozecie nieco rozwinac temat ISA, jam rookie w te klocki...

...albo jakies linki zapodac, cokolwiek

z gory gracias

Prosze bardzo: (dlugie) ale opisane wszystko - naprawde jasniej juz nie mozna

Guide to Individual Savings Accounts (ISAs)

Individual Savings Accounts (ISAs) are tax-free Savings accounts which means individuals do not have to declare any income or capital gains they receive to the Taxman. Individuals can save up to £7,000 each financial year. A financial year runs from 6th April until the 5th April the following year.

ISAs were brought in by the Government in April 1999 to replace Tax Exempt Special Savings Accounts (TESSAs) and Personal Equity Plans (PEPs) and are guaranteed to run until at least 2010.
Who can open an account?

To open an ISA individuals must be 18 years old or over. However, if an individual is aged 16 and over they are entitled to open a Mini Cash ISA or the cash component of a Maxi ISA. Individuals must be UK residents for tax purposes. People working abroad or Spouses and Civil Partners of individuals working abroad, for example Civil Servants or Armed Forces who are paid by the British Government, are also entitled to open an ISA.

ISAs cannot be held as joint accounts or on behalf of other individuals.

Maxi ISAs and Mini ISAs are made up of 'components'. There are two different components people can invest their money into. The different components are: - Cash and Stocks & Shares (Equities).
Cash Component

This component allows individuals to invest in Building Society deposits, UK and European authorised Bank deposits, cash unit trusts or National Savings. This is a good choice for short-term savings especially if individuals want to access their money easily. The cash component allows individuals as young as 16 years to open either Mini Cash ISAs or the cash component of a Maxi ISA.

With Cash ISAs investors will benefit from a minimum return amounting to the sum invested over the term plus interest. Click here to compare Cash ISAs.
Stocks & Shares Component

This component allows individuals to invest in collective shares, for example, Unit Trusts, Investment Unit Trusts, shares listed on a recognised stock exchange, bonds and gilts and Life Assurance. This type of ISA is good if individuals are able to leave their money alone for a long period of time, usually over five years, and are comfortable taking on the risk of market fluctuations in the value of their investment.

With these types of accounts there is no guarantee that the return at the end of the term will exceed the amount invested.
Different Types of ISAs

There are two types of ISAs - Maxi ISA and Mini ISA. An individual can only subscribe/contribute to either one Maxi ISA or up to two Mini ISAs (one for each component), each tax year. Money cannot be invested in both a Mini and Maxi ISA in the same financial year.
Maxi ISA

Individuals can invest money in up to two different components (Cash and Stocks & Shares) for each Maxi ISA. A Maxi ISA must have a stocks & shares component, but the Life Assurance and Cash component are optional. A maximum of £7,000 can be invested each financial year. This can be divided between the two components in whichever way an individual wishes. See table below for investment options and limits.
Mini ISA

Individuals can only invest in one component of a Mini ISA each financial year. Unlike the Maxi ISA, the amount you can invest is fixed for each component. See table below for investment options. Click here to compare Mini Cash ISAs. For the risk averse or for those only wanting a Cash ISA from a building society or bank this will be the favoured option. Another advantage of a Mini ISA is that it provides greater flexibility allowing individuals to invest in a Cash ISA with, say, a building society and a Mini Stocks and Shares ISA with a company that specialises in equities (however as can be seen from the chart below this limits the amount you can invest into stocks and shares to a maximum of £4,000 - it could be higher in a Maxi).
CASH ISAs

Like regular savings accounts, some providers offer different types of Cash ISAs. Some providers will offer instant access to money with no penalty or loss of interest. Some other providers have restrictions, such as a fixed term or require notice to be given before money can be withdrawn. If a withdrawal is made within a fixed period then a penalty or loss of interest may result.
How much can I save each year?

Below, the table shows the maximum amount that can be invested into each component.MAXI ISA MINI ISA
Stocks & Shares - up to £7,000*
Cash - up to £3,000 Stocks & Shares- up to £4,000
Cash - up to £3,000
*If the maximum amount is invested in this component then no more money can be invested in the other component in that financial year.


When the maximum allowance has been invested for one financial year individuals are not able to invest any more even if a withdrawal has been made. For example, A Cash ISA is opened and £2,000 is invested at the start of a financial year, the maximum amount that can be invested over the remainder of the year is £1,000. If a withdrawal of £500 halfway through the year is made, the maximum amount that can be invested is still £1,000 not £1,500. Providing no more withdrawals are made and the remaining maximum investment is made, the balance at the end of the year would be £2,500. The total amount of money invested into a Cash ISA each year is £3,000 regardless of the number of withdrawals made.
Stakeholder ISAs

New stakeholder products have now become available. To earn the name 'stakeholder' the products have to meet conditions designed to ensure that the products are straightforward and good value.

There are five stakeholder products:
Stakeholder deposit;
Stakeholder medium-term investment product (MTIP);
Smoothed MTIP;
Stakeholder pension;
Child trust fund stakeholder account.

Stakeholder deposit, MTIP and smoothed MTIP are available in both ISA and non-ISA versions.

Stakeholder ISAs have now replaced CAT-standard ISA's, as from 6 April 2005. However, if you took out a CAT-standard ISA before that date, it will continue to meet the CAT standards. ('CAT' stands for fair Charges, easy Access and decent Terms)

Neither the stakeholder conditions nor the CAT standards guarantee the performance of the product. They do not mean that the government recommends that product or that the product is necessarily suitable for you. But they do provide a useful benchmark against which to compare other products.

The stakeholder conditions are as follows:

Cash ISAs: Stakeholder deposit account
There are no charges to pay on stakeholder cash ISAs.
The minimum deposit cannot be higher than £10.
You can pay into the account in any of the following ways: cash, cheque, direct debit, standing order, BACS.
You can make unlimited withdrawals.
Withdrawals should be paid to you within seven days or less.
The interest rate paid must be no less than 1% below the Bank of England base rate.
If the Bank of England rate increases, the minimum interest rate must also increase within one month.

Stocks and shares ISAs: Stakeholder medium-term investment products (MTIP)
Annual charge limited to 1.5% of the fund during the first ten years and 1% thereafter.
The minimum deposit cannot be higher than £20.
No more than 60% of the fund is invested in riskier assets such as shares.
You can pay into the account in any of the following ways: cheque, direct debit, standing order, BACS.
The prices at which units or shares in the fund are bought and sold must be the same, and the price should be published daily.

Extra terms apply to the smoothed MTIP:
Some of the return in good years is paid into a 'smoothing account' to be used to top up the return in bad years.
If the smoothing account needs extra capital, policyholders can be charged extra.
Managers must make available information about their policies on smoothing and charging.
The whole with-profits fund and the whole smoothing account, apart from specific deductions allowed by law, are for

Tutaj są linki do różnych instytucji finansowych: http://ncl.to.pl/index.php?option=com_weblinks&catid=30&Itemid=23

Kwoty wolne od podatku to £7000 dla Maxi ISA i £4000 dla Mini ISA.

Dla tych co inwestują w akcje polecam usługi biura maklerskiego Barclays i Selftrade (mają najwięcej opcji np. Barclays jako jedyny posiada Trailing Stop Order).
Szczegoly: http://www.stockbrokers.barclays.co.uk/?category=publicproductsandservices&middleusecase=publictradingplatforms&usecase=publicflexibleordertypes&topusecase=publicdealingfeatures