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With the market meltdown earlier in the year and the threat of continued global recession still causing issues for investors, it might not seem to be the best time to review your Maxi and Mini ISA’s or investments.

However, in some respects this could be the ideal opportunity to carry out a revaluation of your holdings. History has demonstrated that most investors buy investments at the peak of the market and tend to sell at the bottom. In reality, investors should be purchasing at the lowest point and hopefully selling at the top of a market. Even though the stock market has recovered considerably since 03/09 however, it could be argued that savers should be seeing the investment opportunities that are open to them.

If you have a group of Stock & Shares ISA investments with various fund managers it could be worth reviewing your holdings to ensure that your portfolio of investments match your attitude towards saving. You might also check into to make sure the actual investment funds are doing ok in relation to their peers.

Savers can frequently find that if their Investment funds have not been for some time, the amount of risk they could be bearing might not reflect the level risk, they would be happy to bear.

If you want to check out more about the up-to-date ISA investments, limits and rules, please see our Individual Savings Accounts section of our website. Investors might also think about taking a look at our investment philosophy document and how to interpret investment risk.

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