With the current financial turmoil and the global recession still causing issues for investors, it might not seem to be the best time to review your Individual Savings Account Investments or investments.

However, in some respects this could be ideal time to carry out a review. History has shown that most investors buy investments at the top of the market and tend to sell at the bottom. In reality, investors should be buying at the bottom and hopefully selling at the top of a market. It could be argued that investors should now be considering the investment opportunities that are available to them.

If you have a portfolio of ISA investments with different fund managers it may be worth reviewing your holdings to ensure that your portfolio of investments match your attitude towards investing. You should also check to make sure the actual investment funds are performing well in comparison to their peers.

Investors can often find that if their investment portfolios have not been reviewed for some time, the level of risk they might be taking does not reflect the actual risk, they would be happy to accept.

If you would like to find out more about the current ISA investment rules, please see our ISA section of our website. Investors might also consider taking a look at our investment philosphy document and how to understand investment risk.

If you would like to talk about your own personal situation in more depth, please feel free to contact us.

Graham Bond

Consilium Asset Management