Stocks set to keep on rising - even when inflation hits
As it stands, inflation in the UK stands at 5.5% paired with the cost-of-living crisis, many households are struggling.
Higher bills, mortgage payments, and the cost of childcare (or university fees) are putting a dent into the family pot.
ISAs can achieve your savings goals
For those who are putting money aside in cash accounts, remember that the return you get is very low and simply won’t beat the rate of inflation.
For those who have decided to take a little risk and invest money, it's ‘real returns’ (after inflation and all costs!) that you really should be focusing on.
If you’re looking to learn more tips to beat inflation, MoneyShe has an informative blog focused on stock and shares and investment portfolios to help women wanting to invest make sense of it all.
So, what are your options for you or your family’s financial future? Here are some tips to get you started:

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ISA account for saving goals
If you’re over the age of 18 and living in the UK, you can set up a Stocks & Shares Independent Savings Account (ISA) and start funding your future – whether it’s a new car, property, the holiday of a lifetime, or whatever your next goal is, an ISA is an excellent way to grow your pot especially if you’re looking to invest for a minimum of 5 years.
The government often reviews the annual ISA allowance but for 2022/23, the tax allowance is £20,000.
You can start with small payments or a lump sum depending on the provider and contributions can be topped up, paused, or lowered in line with your budget.
Money invested is protected (up to £85,000) under the FSCS (Financial Services Compensation Scheme), however, it’s essential to select your Fund Manager carefully to save on fees. For help on this, see MoneyShe’s Question Time tip sheet.
JISA account - saving for a child's future
If you have children (or grandchildren), a Stocks & Shares Junior Independent Savings Account (JISA) is a great way to save for their future.
A JISA is available to every child, from birth to 18 years old, living in the UK, and has an annual allowance of only £9,000 a year.
Any contributions benefit from being tax-free and the account will be managed by you until the child reaches 16 where they can become a ‘registered contact’.
Putting money aside regularly, over the long-term, can really add up to a tidy little sum.
The cost of raising a child until 18 is estimated to be at least £160,000 but it’s arguably even more once they reach 18 and looking to buy their first car, pay for university tuition, or move out and buy their first home.
Giving them the gift of a JISA ready to use when they need it will help them on that first step into adulthood.
SCM’s award-winning transparent holdings Investment Portfolios are flexible with no exit fees.

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IMPORTANT
The deadline for both ISAs and JISAs is midnight on 5th April 2022 - so don’t delay!
Capital at Risk
The value of investments can go down as well as up and investors may not recover the amount of their original investment.