Investment ISA Services

from Raymond James, Hitchin

Secure Your Financial Future

with Individual Savings Accounts (ISAs)

ISAs are a tax-efficient way to save and invest, as any interest or gains earned on your investments within an ISA are tax-free.

At Raymond James, Hitchin, we believe that successful investing requires a personalised approach. Our investment professionals take the time to understand your financial goals, risk tolerance, and investment preferences, and then develop a tailored investment strategy to meet your needs. We employ a disciplined investment process that emphasises diversification, risk management, and long-term thinking, to help ensure that your investments are well-positioned for success.

Raymond James Hitchin's Personal Branding Shoot June 2023 by Hertfordshire Personal Branding Photographer © Tigz Rice Ltd 2023.

What is an ISA?

An ISA, or Individual Savings Account, is a tax-efficient way of saving and investing money. The UK government introduced ISAs to encourage people to save for their future by offering tax-free returns on their investments.

A Stocks and Shares ISA is a type of tax-efficient investment account that allows you to invest in a wide range of stocks, shares, funds, and bonds.

The main advantage of any type of ISA is that any gains or income you receive from your investments are tax-free, meaning that you get to keep more of your hard-earned money.

So why is a Stocks and Shares ISA a

smart and straightforward

way of investing?


Investing in stocks and shares can provide the potential for higher returns than other types of investments, such as savings accounts or bonds. While there are risks associated with investing in the stock market, historically, the stock market has provided higher returns over the long term than other types of investments.


A Stocks and Shares ISA is a flexible investment account that allows you to invest in a range of asset classes, including equities, bonds, and funds. You can also switch between different investments within your ISA or transfer your ISA to another provider without losing your tax benefits.


A Stocks and Shares ISA allows you to invest in a wide range of companies, industries, and markets. This diversification can help to reduce risk and improve the potential for returns.


The tax benefits of a Stocks and Shares ISA can help to boost your returns over the long term. Any gains or income you receive from your investments are tax-free, meaning that you get to keep more of your money.

If you’re interested in learning more about Stocks and Shares ISAs or would like to discuss your investment options with one of our investment professionals, please contact us today. 

Junior ISA

Raymond James, Hitchin are committed to helping you make informed decisions about your child’s financial future. One of the ways we can help you achieve this is through our Junior ISA, which is designed specifically for children under the age of 18.

Raymond James Hitchin Faye Silver and Susie Bewell photographed by Hertfordshire Personal Branding Photographer © Tigz Rice Ltd 2023.

So, what exactly is a Junior ISA, and what are the benefits?

A Junior ISA is a tax-efficient way for parents, family members, or friends to save for a child’s future. The account can be opened by a parent or legal guardian, and anyone can contribute to it with up to a total annual limit of £9,000 (as of the tax year 2023/24).  The child can take control of the account at age 16 but cannot withdraw the money until they turn 18.

One of the main benefits of a Junior Stocks and Shares ISA is the tax-free growth of the investments. This means that any interest or gains earned, will not be subject to income tax or capital gains tax. In addition, there is no tax to pay when the money is withdrawn. 

The Junior ISA provides a great opportunity to teach children about saving and investing from an early age. As they get older, they can take a more active interest in the account and learn about how their money is being invested and growing over time.

At Raymond James, Hitchin, we understand the importance of planning for your child’s future, and we’re here to help. Our team of experienced wealth managers can provide tailored advice on the best investment strategies for your child’s Junior ISA, helping you to achieve your financial goals and secure a bright future for your loved ones.

If you would like to learn more about Junior ISAs, or any other financial planning services we offer, please don’t hesitate to get in touch with us. We’re here to help.

Hear From

Our Clients

At Raymond James, Hitchin, we pride ourselves on providing exceptional financial services tailored to meet your unique needs. But don’t just take our word for it. Hear directly from our satisfied clients about their experience with Raymond James Hitchin in this video review.

Speak to one of our 

expert wealth managers

Speak to one of our

expert wealth managers

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