Cherry Reynard

It is not just the home that can benefit from a spring clean, it makes sense to sharpen up your investment portfolio too to make sure it still aligns with your long-term goals.

The start of a new tax year comes with a shiny new ISA allowance, currently sitting at a generous £20,000. However, while the temptation may be to sit back and relax, secure in the knowledge that you have a year to make the most of it, there are real advantages to getting started early in the tax year.

If the only thing certain is uncertainty, it is easy to understand why so many people are tempted to keep their money in cash savings. With interest rates low, and the risk that inflation will erode the value of savings, investors understand that market uncertainty can mean an opportunity.