Let’s get to the point as we have little time left…..Have you invested your ISA allowance with us yet?

We have 7 working days left in this tax year and from July ISAs are set to become NISAs

• From 1 July 2014 ISAs will be reformed into a simpler product, the ‘New ISA’ (NISA), with an overall limit of £15,000 per year. The government is also abolishing the rule that says only half can be saved in cash. The government will also raise the limits for Junior ISAs and Child Trust Funds from £3,720 to £4,000.

Over time they will be referred to Nicers no doubt. And what’s not to like? Investing tax free is a no-brainer. I have referred to ISAs in the past here and here.

Now we think we have educated clients to not leave their ISA investments until the last minute and we automatically move money from General Accounts to ISA accounts to help clients to not miss the deadline. But every year we have the odd client ask if they are not too late.

So gentlemen and ladies, last orders please.