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Maximise your ISA before the 5 April deadline

As we enter the Chinese Year of the Snake - a symbol with attributes including wisdom, elegance, and transformation - it’s the perfect time to make smart, forward-thinking investment choices. The snake represents adaptability and strategy, making this an ideal moment to review your portfolio and take full advantage of your ISA allowance before the 5 April 2025 deadline.

With the tax year-end fast approaching, now is the time to act. Investing before the deadline ensures that your returns are sheltered from tax, allowing you to keep more of your potential gains.

Why consider emerging markets for your ISA?

As investors look for opportunities to grow their wealth, emerging markets stand out. These regions account for 65%* of global growth - a figure that is set to rise. With economic powerhouses like China, India, and Brazil leading the way, emerging markets are home to world-class companies driving innovation in fintech, AI, and renewable energy. (*Source: IMF WEO, October 2023)

TEMIT: A proven way to invest in emerging markets

Templeton Emerging Markets Investment Trust (TEMIT) is a straightforward way to access a carefully curated portfolio of 60–80 high-quality companies across emerging markets. As the UK’s first and largest emerging markets investment trust, with over £2 billion* in assets under management, TEMIT offers exposure to some of the most compelling investment opportunities worldwide.

With a 35-year track record, TEMIT has consistently delivered returns, making it a strong choice for investors seeking long-term global growth.

(*Source: Franklin Templeton, as of 31/12/2024)

Tax-efficient ways to invest

There are multiple ways to invest in TEMIT while benefiting from tax advantages:

£20,000

ISA

Allowances for 2024/25 – deadline 5 April 2025.

£60,000

Pension (SIPP)

(or 100% of earnings if lower)

£9,000

Junior ISA

Allowances for 2023/24 – deadline 5 April 2024

£3,600

Junior SIPP

Allowances for 2023/24 – deadline 5 April 2024

Tax efficiency matters more than ever

With a rising tax burden, making the most of tax-efficient investment options can help protect your wealth and maximise returns.

  • ISAs – No income or capital gains tax, and no need to declare on tax returns.
  • SIPPs – Tax relief on contributions and the potential for tax-free withdrawals in retirement.

By taking advantage of your allowances now, you can invest more effectively - whether for your own future or for the next generation.

Helping the next generation get ahead

It’s not just your own tax allowances that matter - children have them too. Junior ISAs and Junior SIPPs offer a great way to start investing early, giving younger generations a head start on financial security.

Parents, grandparents, and family members can invest on a child’s behalf, helping to build a long-term investment pot. Money in a Junior ISA can’t be accessed until the child turns 18, at which point it automatically converts into an adult ISA. A Junior SIPP is locked away until retirement, making it a future-proof way to build wealth over time.

Invest with ease

You can invest in TEMIT through a range of online platforms and fund supermarkets that offer tax-efficient wrappers like ISAs and pensions. As tax rules can change and benefits depend on personal circumstances, we recommend seeking financial advice before making investment decisions.

Don’t miss out – use your ISA before 5 April 2025!

How to Invest with Us

Shares in TEMIT qualify as an investment which can be held through an ISA. TEMIT is available through a stocks and shares ISA from a number of different companies. As individuals’ financial circumstances will differ, we recommend you talk with a qualified financial adviser regarding the options available to you before making investment decisions.

Important Legal Information

This website is intended to be of general interest only and does not constitute legal or tax advice nor is it an offer for shares or invitation to apply for shares of the Templeton Emerging Markets Investment Trust (TEMIT). Nothing in this website should be construed as investment advice. Opinions expressed are the author's at publication date and they are subject to change without prior notice. Subscriptions to TEMIT can only be made on the basis of the latest available audited TEMIT annual report and TEMIT half-yearly report if published thereafter.

The value of shares in TEMIT and income received from it can go down as well as up, and investors may not get back the full amount invested. Past performance is not an indicator or a guarantee of future performance. Currency fluctuations may affect the value of overseas investments. When investing in a fund denominated in a foreign currency, your performance may also be affected by currency fluctuations. An investment in TEMIT entails risks which are described in the TEMIT annual report. In emerging markets, the risks can be greater than in developed markets. Investments in derivative instruments entail specific risks more fully described in the TEMIT annual report.

US Persons are not eligible to invest in TEMIT. Shares of the TEMIT are available for sale and distribution in the UK. Any research and analysis contained in this website has been procured by Franklin Templeton Investments for its own purposes and is provided to you only incidentally.

References to particular industries, sectors or companies are for general information and are not necessarily indicative of TEMIT's holding at any one time.

References to indices are made for comparative purposes only and are provided to represent the investment environment existing during the time periods shown. An index is unmanaged and one cannot invest directly in an index. The performance of the index does not include the deduction of expenses and does not represent the performance of any Franklin Templeton fund.

MSCI makes no express or implied warranties or representations and shall have no liability whatsoever with respect to any MSCI data contained herein. The MSCI data may not be further redistributed or used as a basis for other indices or any securities or financial products. This report is not approved, reviewed or produced by MSCI.

There is no guarantee that TEMIT will achieve its objective. Please consult your financial adviser before deciding to invest. You can download a copy of the latest TEMIT annual report and TEMIT half-yearly report, or request one, free of charge, from Franklin Templeton Investment Management Limited, Cannon Place, 78 Cannon Street, London EC4N 6HL. Authorised and regulated by the Financial Conduct Authority. Telephone: 0800 305 306, Email: [email protected].