From: alexrpeters@hotmail.com
Newsgroups: uk.finance
Subject: ISA's - Capital Guaranteed?
Date: 15 Dec 2004 05:20:28 -0800
   posting-account=ePcFzwwAAABgI-LntZVECoV658cJcAHf

I've heard horror stories of people who have been saving through these
tax-free vehicles from back when they were PEPs and TESSAs and heard
how people have actually lost the principal in real terms compared to
leaving your money with the building society.

Is there anyway to guarantee the principal with ISAs? I notice the
Motley Fool recommends you buy an index tracker wrapped up in an ISA.

Has anyone gone down this route? Has your investment been safe? Is it
better to buy a mini-cash ISA through a mutual building society than a
FTSE-100 tracker?

I think I'd prefer to have a separate cash mini-ISA (=A33000 annual
limit) as a "rainy day" fund and then a stock/shares mini-ISA (=A33000
annual limit) as an investment but I'd like to hear any
opinions/comments people have first.

Thanks,

Alex