Five ideas for your ISA in 2017

Did you know, during the last tax year, the average amount of money invested into a TD Direct Investing Stocks and Shares ISA by our customers was 75% more than the UK average?

That says to us that there are a lot of savvy investors out there looking to make the most of their money. With that in mind and with the tax-year end on the horizon, we thought we’d share a few investment ideas with those who are looking for some inspiration and have some of their tax-efficient allowance left.

There’s also the added impact of poor returns from cash after the Bank of England kept interest rates at 0.25% during a time when inflation is on an upward trajectory.

Below are five funds that we have picked with current market conditions in mind and feel that, they represent a varied selection.

We offer our services on an execution-only basis with opinions provided by TD Direct Investing or one of our partners in some circumstances on whether to buy a specific investment. Please note that none of the opinions we provide are a personal recommendation, which means we have not assessed your investing knowledge and experience, your financial situation or your investment objectives.Investors should be aware that the value of investments can fall as well as rise. You may get back less than the amount invested.If you have any doubt over the suitability of a particular investment for you or if you are uncertain how the pensions rules affect your personal circumstances then you should seek independent financial advice.Past performance is not a reliable indicator of future results.

The Contrarian Opportunity

Man GLG Undervalued Assets

Henry Dixon buys companies that are cheap, have been forgotten by the markets and have a promising upside. He has a disciplined approach and conducts thorough analysis of company balance sheets to understand the company’s assets and liabilities. With more government spending promised, we think that Henry’s portfolio of mainly UK domestic mid-sized companies, which have been held back in the last few years, have the ability to stage a comeback.

Find out more about the GLG Undervalued Assets fund

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The Best of British

Slater UK Growth

Last year we crowned Mark Slater as the best performing fund manager with a track record of more than 10 years in our Best of British list. Mark tends to focus on small- and mid-sized companies and he gets to know the ones in his portfolio very well before he buys them. He typically holds them for a long time. The portfolio was hampered last year by the EU referendum result but Mark stands by it and he is excited for the prospects of the companies within it.

Find out more about the Slater UK Growth fund

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Emerging Opportunities

M&G Global Emerging Markets

Over 80% of the world’s population live in emerging markets countries. In considering this statistic, JP Morgan notes that these countries arguably “…house the consumers of the future”, and represent an asset class that is growing considerably faster than developed markets.  At M&G, fund manager Matthew Vaight likes investing in cheaper companies and is encouraged by their improving capital management trend. Plus, emerging markets help to diversify  investment is a good portfolio diversifier.

Find out more about the M&G Emerging Markets fund

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Standing by Oil

Guinness Global Energy

Last year OPEC and non-OPEC oil producing countries announced that they would stem the supply of oil so that oil prices would rise to acceptable levels. We believe that there is the will to do this and at $70-75 a barrel companies will again have the ability to become profitable. The portfolio is concentrated, with only 30 names in it and is managed by a highly experienced and dedicated team of three: Wil Riley, Jonathan Waghorn and Tim Guinness. 

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Investing in a Sustainable Future

Royal London Sustainable Leaders

Mike Fox, the fund’s manager, believes the commitment to limit the rise in global temperatures at the Conference of the Parties Paris climate change convention in December 2015 could be a catalyst to make sustainable investing even more mainstream. This is despite Donald Trump’s recent rhetoric on the subject. China and the rest of the world is committed to improving the planet. But there is more to it than just the environment – it’s the way we live and work too. Mike and his team identify companies that are run by savvy business people with the aim of making improvements one way or another for our world.

Find out more about the Royal London Sustainable Leaders fund

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Remember that each fund is unique and hence exposed to different levels of risk. Some are relatively low risk, whilst others can be very risky and those will only be appropriate for more sophisticated investors.

Investing in Emerging Market Investments involve different risks from the UK markets, in many cases the risks are greater.

Please note the tax treatment of these products depends on the individual circumstances of each customer and may be subject to change in future.

If you are uncertain about the tax treatment of the products you should contact HMRC or seek independent tax advice.

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We'd like to remind you that this is a self-select stocks & shares ISA, where you make your own investment decisions. This is particularly important to bear in mind if you are transferring a cash ISA into a Stocks and Shares ISA.

The value of your investments can go up or down and you may not get back all the money you invest. Please be aware we do not currently offer a Flexible Stocks and Shares ISA.