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There’s much more to building portfolios than deciding where to invest, but you can keep things simple using a three-tiered structure, says Scott Gallacher

21 June 2013

When it comes to selecting investments, the public are right to be confused. The internet offers many strategies ranging from sensible to crackpot, simple to mind-boggling.

A subject often neglected is how to choose the right tax vehicles for your investments. Getting it wrong can create a drag on returns, or worse. Although, while choosing the right vehicles won't make up for a poor investment, it has the power to boost returns. It's possible to make this complex. But a three-tiered structure meets most circumstances:

  • Because of their tremendous tax-breaks, ISAs are usually the preferred home for the first part of an investment, sheltering the money from income tax and capital gains tax (CGT). They're very simple and easy to access. Unfortunately, there's a limited annual contribution allowance ( Want to read on?

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