Managing better outcomes by managing your ISA’s

Session: 15 April 2021

On this webinar Les Cameron and Vince Smith-Hughes took a look over how the ISA market has developed and grown since their introduction in 1999. They gathered their thoughts on what opportunities there may be for advisers to deliver better outcomes for clients. What might the ISA demographics tell us about opportunities to deliver better client outcomes, by looking at the planning considerations for those with existing ISA holdings and advice subscribers. And finally they looked at some of the ISA decumulation issues.

This session should help you gain a better understanding of:

  • The current demographics of UK ISA holders
  • The planning considerations for new and existing ISA holders

Presenters – Les Cameron – Head of Technical

Vince Smith-Hughes – Director of Specialist Business Support

To claim your CPD certificate, test you knowledge with the questions below.

Write down your answers to each of the following questions and check your answers when you click through to claim your CPD certificate on the link below.

Test your knowledge

1. Which of the below is true?

a. The majority of the value of ISA investments are in S&S ISAs

b. The majority of the value of ISA investments are in cash ISAs

c. The value of ISA investments is evenly split between Cash and S&S ISAs

 

2. Which of the below is true?

a. The majority of ISA subscriptions are in S&S ISA’s

b. The majority of ISA subscriptions are into Cash ISAs

c. ISA subscriptions are evenly split between Cash and S&S ISAs

 

3. The return generated by the pension tax wrapper for a higher rate tax payer on entry and a basic rate taxpayer on withdrawal assuming no investment return is?

a. 20.46%

b. 30.25%

c. 41.67%

 

4. Where inflation is 2% over 10 years this will reduce the real value of an asset by around?

a. 10%

b. 18%

c. 30%

d. 40%

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"Prudential" is a trading name of Prudential Distribution Limited. Prudential Distribution Limited is registered in Scotland. Registered Office at Craigforth, Stirling FK9 4UE. Registered number SC212640. Authorised and regulated by the Financial Conduct Authority. Prudential Distribution Limited is part of the same corporate group as the Prudential Assurance Company. The Prudential Assurance Company and Prudential Distribution Limited are direct/indirect subsidiaries of M&G plc, a company incorporated in the United Kingdom. These companies are not affiliated in any manner with Prudential Financial, Inc, a company whose principal place of business is in the United States of America or Prudential plc, an international group incorporated in the United Kingdom.