Three things your client may call you about this week...

Is there any point in an ISA? Decision times as the deadline looms As the end of the tax year approaches, and so does the chance to take out a ISA for next yeah, The Guardian's Shane Hickey considers whether the move is really worth it. Last April, he says a stocks and shares ISA was opened or topped up every seven seconds in Hargreaves Lansdown's systems. However, with interest rates so low, he asks, is there any point when it could end up delivering such minor gains? Most investors will choose between a cash ISA or a stocks and shares ISA. Hickey says cash ISAs have not had a good...