Retirement Could Be Sweeter When Stocks and Shares ISAs Back-Up the Pension Pot

Possibly the only thing sweeter than fruits or fizzy drinks is the tax rules applicable to stocks and shares ISAs.

They were introduced together with the cash ISA which unlike the stocks and shares ISA received widespread media attention for the tax free savings it offered. The stocks and shares ISA is sweet because it has some rather wonderful UK tax rules.

  • Dividends are not subject to additional tax
  • Capital Gains are not taxed
  • Bonds interest is not taxed
  • Income, capital gains, or trades are not considered taxable income so they do not have to be reported to HMRC.

ISAs of this kind are particularly sweet to those facing retirement with incomes around £22,900 level, as they do not affect personal allowances as other systems do. This possibly nudges them past grapes in the sweetness level.

So, if a person has a pension pot which is as stable as a celebrity marriage, then a few quid tucked away in a stocks and shares ISA is not be a bad thing. You could say it is a prenuptial agreement in case the pension hits the rocks together with the stock market. It should be noted however, that the stocks and shares ISA like the name suggests is dependant on stock market performance like most pensions. Nonetheless, if used well they can make the pension crisis seem more like a heavy drama.

Stocks and shares ISAs give plenty of benefits which by and large offset some of the risks of investment. They are an investment vehicle which supports a pension scheme without impeding it at least up to a point and through investing in both the stocks and shares ISA and the pension, the money is spread around which always lessens a risk.

Many investors turn to banks and financial advisors to get advice on where to invest their money and this makes sense on the surface. It is important to realise that many financial decisions are common sense ones, and do not need a highly paid professional telling you what to do with your financial investments, anymore than you need them to tell you how to flush the chain. The better financial management companies have acknowledged this and subsequently take a hands off approach and step in only when needed. These financial companies are beginning to emerge.

For stocks and shares ISA investments, this is the kind of company you need.


Suze Orman Shares Investing Common Sense With Women & Money

Women & Money ~ Owning the Power to Control Your Destiny

Money is a topic you either embrace or avoid. Orman's book delivers straight talk on investing for women and building individual wealth.

Personally I've always known just enough about investing to put some money away each month and I rely on financial advisers to steer me in the right direction.

Suze shares a candid look at her life and how she got to where she is now. Plus she offers a no nonsense approach to making sure women begin to really think about taking care of their own business.

With an uplifting vein of optimism about what is possible throughout the book, Orman successfully illustrates traits and tactics to help women thoughtfully approach investing.

Orman's 8 qualities of wealthy women have been shared on national talk shows and cannot be stressed enough.

Qualities 1 and 2 are harmony and balance. These are said to be the most important qualities because they are the foundation for all other qualities.

Quality 3 is courage. Orman writes that "Courage gives harmony expression. When your thoughts and feelings are one, courage helps you manifest them in the form of words and actions."

Quality 4 is generosity. Orman points out that women tap into this almost too quickly. We tend to be overly generous with our time, support, love and money. The true measure of generosity, according to Orman, is being able to allow money to come into your hands and out through your heart.

This was a concept I can relate to. Orman challenges women to look at why and what they give and how it makes them feel. She also offers six rules for giving (but, you'll have to grab a copy of the book to find out what these are).

Quality number 5 is happiness. According to Orman when you find the courage to live your life in harmony and balance, you understand and practice generosity, happiness will spontaneously appear.

And perhaps the most important point she shares about happiness is this; "Happiness is not a luxury. It is a necessity for true wealth."

Quality number 6 comes in the form of wisdom. Who doesn't want to be wiser?

According to Orman, wisdom is more than intellectual and not directly related to education. Wisdom is an express result of tapping into your core beliefs to make the right decisions for yourself.

The 7th quality is cleanliness and is all about the importance of order and organization. A laundry list of situations that subtract from your wealth status include;

– Not knowing where your money is
– Not having a systematized filing system for important documents
– Pulling crumpled bills and receipts out of your purse
– Maintaining a vehicle that looks like a garbage can
– Having closets that are filled with junk and clutter.

I am sure most of us can relate to at least one area we need to work on. I have to admit, as organized as I am, I could relate to a couple of those scenarios. Orman's philosophy really makes sense and I've corrected my personal problem areas. My first order of business was donating clothing I had not used or worn in the past year to charity.

The final quality is beauty. Orman ties all the qualities together by noting beauty is what you achieve when all the qualities are combined.

To some it may seem strange that the qualities of wealthy women are included in a book on investing. However, if you personally don't possess the qualities it will not be as easy for you to achieve your wealth potential.

In addition to the foundational building blocks Orman shares solid advice on choosing the right investor, the importance of having one personal savings account in your name only and discusses investment options in layman's terms so anyone can get started right way.


What Is Day Trading Shares?

If you have the capability to analyze data, if you are able to make some tough decisions and if you have the appetite for risk then the stock market holds a number of golden opportunities that can be availed of and enjoyed upon. Day trading shares are one of the open options that the stock market provides you. Day trading shares are considered to be the most actively traded shares.

The trading volumes and the ups or downs of these shares give us an approximate idea as to where the market trading index would head for that particular day. It is very important to understand that such day trading shares are also the stock options that are not completely reliable. There are a number of key factors that need to be taken into consideration while dealing in day trading shares. These factors range from understanding the moving price of the stock, the support levels that the stock can have should it start to fall or even the extent to which it can rise or fall should a variation exist. One of the key aspects that one should understand about day trading shares is the fact that these are the stocks that are sometimes the most lucrative and sometimes that most troubling as well. On most occasions day trading shares usually possess a high volume trading scenario.

The extent to which one can take the risk of getting involved in day trading shares also determines the loss or profit that can be accounted for that particular day. One of the major and key attributes that one should be looked at while selecting prime day trading shares is if they are liquid stocks. Liquid stocks are those shares which have high average volume traded in the trading indices. This aspect of the shares helps you decide to buy shares in sufficient quantities without making any huge investments and at the same time also be in a position to sell the stocks without incurring a huge loss.

Another very important aspect of reliable daytrading is the fact that its price should move up or down depending on the sector it belongs to. Any stock that isolates itself from the trend that its sector is displaying or performing would not be an ideal pick because one has to understand that such highs and lows in individual stocks can only happen when their information is only accessible to a certain group of individuals or institutions who do the buying. Once that information is out and it becomes public the assessment of the impact of these decisions can either continue to have a positive impact or negative impact on the stock price.

Day trading shares should be cited to be bought during the first hour of trading. This enables the trader to be able to make the decision as to the limit he or she expects the price of the stock to reach and at the same time give an opportunity to decide the price of exit for the stock as well.


How To Buy Stocks And Shares – Where To Begin When It Comes To Investing In The Stock Market

Venturing into stock market trading can be a risky process. Especially if you are clueless as to how to pick stocks; you need to know how to invest stock and shares.

The best way to make the process easy is to not doubt you and stop putting off the decision-making. Be decisive and self-assured by being knowledgeable in the following areas.

What Stocks To Purchase

There are various types of stocks that you can buy either through a stock broker or an online website. You can buy conservative shares of international well-established companies that have overcome financial crises.

Otherwise you can choose to buy aggressive shares of new businesses and small companies that are setting market trends. You have various options depending on the amount you’re prepared to risk or put up and the decision is all up to you.

Where To Begin Your Trading

The primary shares you opt to make an investment in are important when you begin your stock market trading. If you’re uneasy and doubtful about investing on stocks that are unknown then it would be a good idea to start with products or services that you are familiar with or are within your area of expertise.

For example if you’re a home-based business owner then household products with a high reputation are something you may want to consider. If you’re an architect or engineer then construction and building materials with a proven track record could be a better option.

If you happen to have a passion for cars then your best bet would be car or fuel companies with a solid background.

How To Pick Stocks

It would not be advisable to invest all your money in one company. The smartest move is to create a stock portfolio. Purchasing and having stock shares in various businesses that are income-generating and profitable.

Investing reasonably in some conservative businesses is still a lucrative venture since your investment will undoubtedly grow over time. If you have the money and are prepared to risk it then you can opt to branch out including aggressive shares that you have faith in. Always remember that the primary goal is to increase your revenue and lessen your losses.

A Final Thought On How To Buy Stocks And Shares

You should also keep in mind that to help you in the learning process as well as to make your progress as a trader easy. You should read information on trading websites such as MSN Money, Yahoo Finance and The Wall Street Journal Online etc.

Learn how to accurately read stock charts and what the daily stock report is saying. For those who are new to the stock market the trading process can be easy. Provided that you invest some time to make sure you have done thorough research.


Sensex zooms 1,075 points to reclaim 39,000-mark

The S&P BSE Sensex and NSE Nifty 50 indices skyrocketed for second straight session after the investor sentiment got a boost from corporate tax rate cuts announced by Finance Minister Nirmala Sitharaman on Friday. The Sensex surged as much as 1,426 points to close above 39,000 mark for the first time since July 17 and the Nifty advanced close 11,700 mark. Rally in banking and fast moving consumer goods shares supported the upmove in today’s session. HDFC twins, ICICI Bank, Larsen & Toubro, ITC and Kotak Mahindra Bank were among the top Sensex movers and contributed over 800 points towards upmove in the Sensex.

The Sensex surged 1,075 points or 2.83 per cent to close at 39,090 and Nifty 50 index rose 329 points or 2.92 per cent to end at 11,603. Today’s upmove comes a day after the Sensex and Nifty surged the most in over 10 years on Friday following announcement of corporate tax rate cut.

“A mega bull market is starting now on the back of the reforms of the century for India… I don’t think we will be looking back anytime soon,” AK Prabhakar, head of research at IDBI Capital, told NDTV.

Nine of 11 sector gauges compiled by National Stock Exchange ended higher led by the Nifty Private Bank index’s 5.6 per cent gain. Nifty FMCG, Nifty Financial Services, Nifty Bank, Nifty Auto, NIfty PSU Bank and Nifty Realty indexes also rose between 2 and 5.4 per cent each.

On the other hand, Nifty IT index dropped nearly 3 per cent after Infosys and Tata Consultancy Services came under selling pressure.

Mid- and small-cap shares also witnessed buying interest in today’s session as the Nifty Midcap 100 rose 2.45 per cent and the Nifty Smallcap 100 index climbed 3.14 per cent.

Bharat Petroleum was top gainer in the Nifty 50 basket of shares, the stock rose 14 per cent to close at Rs. 459. Larsen & Toubro, Bajaj Finance, Eicher Motors, Indian Oil, Asian Paints, Adani Ports, Bajaj Finserv, Axis Bank, Kotak Mahindra Bank and ITC were also among the gainers up between 7 and 9 per cent each.

On the flipside, Zee Entertainment, Infosys, Power Grid, Tata Motors, Dr Reddy’s Labs, Cipla and NTPC were among the laggards.

The overall market breadth was positive as 1,197 shares closed higher while 622 closed lower on the NSE.