Important information about your Stocks & Shares ISA

ISA investment limits

There are four types of investment you can hold within an ISA – Cash, Innovative Finance, Lifetime ISA and Stocks & Shares.

You can subscribe to one Cash ISA, one Innovative Finance ISA, one Lifetime ISA and one Stocks & Shares ISA in any one
tax year, provided you do not exceed the overall ISA allowance.

Please remember the following important information:

  • If you continue to pay into your RLUM Ltd Stocks & Shares ISA in the 2022-23 tax year, you cannot pay into
    a Stocks & Shares ISA with another provider in the 2022-23 tax year

Allowance from April 6th 2022

The ISA allowance for the 2022-23 tax year is £20,000. You can use your  allowance to invest in a Cash ISA, Innovative Finance ISA, Lifetime ISA, a Stocks & Shares ISA or any combination of these.

Key points to remember
  • A Stocks & Shares ISA is designed for investors who intend to hold their ISA for the medium to long term (for example, 5 years or longer)
  • Stock markets go through good times and bad times. When market conditions look uncertain it is important to remember that equity investing is for the long term. Review your investments in the context of your financial goals, not short-term performance.
  • The value of your investment can go down as well as up.
  • As with any investment, there is a chance you will get back less than you originally invested.
If you want to top up your investment

Visit the Pay Money In page for more information, or call us on 0345 605 7777.

Stocks & Shares ISA – RLUM Ltd Unit Trusts
  Single year performance for five years
% increase or decrease
  30/09/2017-30/09/2018

30/09/2018-30/09/2019

30/09/2019-30/09/2020 30/09/2020-30/09/2021 30/09/2021-30/09/2022
Royal London Sustainable Diversified Trust Class A 7.65 11.34 10.34 10.77 -17.52
Royal London Sustainable World Trust Class A 13.46 13.58 17.93 14.20 -16.71
Royal London Sustainable Leaders Trust Class A 10.60 14.17 0.96 20.43 -13.42
Royal London Corporate Bond Monthly Income Trust Class A -0.30 9.55 2.80 1.99 -20.23
Royal London UK Growth Trust Class A 5.56 3.03 -10.96 30.43 -15.08
Royal London UK Income with Growth Trust Class A 1.41 3.81 -14.12 25.44 -6.47
Royal London European Growth Trust Class A 12.79 2.23 2.49 20.37 -12.65
Royal London US Growth Trust Class A 12.74 5.88 10.06 28.20

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Last updated: 18 October 2022

Past performance is not a guide to future performance. The value of investments and the income from them is not guaranteed and may go down as well as up and investors may not get back the amount originally invested.

Source: Lipper IM as at 30 September 2022. Fund performance is shown on a mid to mid price basis, net of fees and gross of taxes, with gross income reinvested unless otherwise stated.