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Catching the worm

Don’t let your client leave their head in the sand until the last minute. Early-bird investors will reap benefits – for themselves and you, says Scott Gallacher

5 June 2013

The dust has settled after the burst of activity that always comes with the end of the financial year – especially for financial planners and accountants. For us, part of that activity involved last-minute ISA investments: some people, it seems, always need a looming deadline to spur them into action.

But we like to remind our clients that investment is one thing that should not be left to the 11th hour. It’s nearly always a case of the earlier, the better.

For those investing in cash ISAs, it’s obvious that by investing on the first day of the year, you’ll have earned an extra year’s tax-free interest compared with your last-minute neighbour.

With stocks and shares ISAs, the principle is the same. Alth...

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