Fidelity Offers Build Your ISA’s or Increase your Investments with NO initial charges. An opportunity to invest with 0% initial charge offered by Chevron’s AVC provider Fidelity. To take advantage of this offer, please contact Fidelity directly on 0800 358 7496 . Alternatively, further details can be found on the Fidelity on web page at https://www.fidelity.co.uk/investor Fidelity also offer a site making sense of retirement, offering comprehensive guides, videos, planning tools, and case studies, up to date Budget information, links to RetireWise which offers financial guidance, advice and other services https://www.fidelity.co.uk/static/pensions/retirewise/index.html For those who have investments in the Chevron plan there is also a guide to investing https://www.planviewer.fidelity.co.uk/planviewer/DisplayLogin.do Rising taxes makes ISAs even more valuable As you may be aware, the annual ISA limit has been increased to £20,000. With tax rates on the rise, it’s even more important to take advantage of the tax breaks that come by keeping your investments in an ISA. This new increased limit means that a couple will now be able to protect £40,000 from the tax man each year. The additional money you can generate by investing inside an ISA rather than outside an ISA can be significant whatever your personal tax rate. So make sure you don’t miss out on this latest Government tax boost. A quick reminder of ISA benefits include: – No income tax to pay – No capital gains tax on growth – No declaration required on your annual tax return – Instant access to your money – Flexibility and choice on where your money is invested Whether you are eligible to invest in an ISA, and how much the tax savings are worth to you, will depend on your individual circumstances. And all tax rules may change in the future. Please remember the value of an investment can go down as well as up and you may get back less than you invested. Fidelity only gives information and guidance about its own products and services and does not provide investment advice based on individual circumstances.