Ways of Investing

General Investment Account

This easy to manage and ‘flexible investing account without limits’ enables you to hold investments outside an ISA or Pension, without limitation on how much can be invested.

Self-Invested Personal Pension (SIPP)

Eligibility to invest in a SIPP and the tax treatment is dependent upon your personal circumstances and you should bear in mind that taxation rules might change in the future. However, this is a great way of saving for your retirement with significant tax benefits. You can choose what to invest in and contribute via a lump sum(s) or a regular saving plan. Integra can also help you to transfer-in ‘pension pots’ you may have accumulated with other providers, so everything is then held under the one roof. You cannot normally access money within a SIPP until age 55.

Individual Savings Account (ISA)

Integra can provide advice and assistance on:

Stocks and Shares ISA

Stocks and Shares ISAs are a tax-efficient way for you to save. Currently, you can put aside up to £20,000 in any one tax year and pay no income or capital gains tax on your investments. It’s quick and easy to open and you have until 5 April 2022 to use this year’s allowance.

Junior ISA … investing for your child’s/grandchild’s future

A Junior Stocks and Shares ISA account (JISA) is a tax-efficient way to save for your child’s or grandchild’s future as you pay no income tax or capital gains tax on your investments. The current Junior ISA allowance is £9,000 and you have until 5 April 2022 to use it.

Transferring investments into Transact

If you have ISAs with other providers, moving them to our Stocks & Shares ISA could help you to get your money working harder. With a wide range of investment options you’ll have more ways to help your money grow, as well as a clear picture of your investments with everything under one roof.

Estate Planning

Effectively the preparation of documents and mechanisms through which an estate can be managed and protected after your death. Integra are happy to discuss the numerous options available to potentially reduce your Inheritance Tax bill.