You invest, we manage
We monitor, review and check your investments
Sustainable investments, designed to perform
Work your money
Invest up to your £20,000 allowance in the 2017-18 tax year
We do the hard work, so you don’t have to
With our Investment ISA we find, review, select and manage investment opportunities. We look to maximise potential while moderating risk in investment-ready funds that are sustainable and designed to perform. Giving you an easy entry into the world of investing.
Our Investment ISA is managed by an award winning team
We’re judged by what we do, so we’re always working to deliver the best. We have consistently won prestigious awards for our investment knowhow and performance, across a range of asset classes. You get the benefit – our experience, competence and reputation goes into every Investment ISA. Find out more about some of the awards we've won.
5 reasons to get an Investment ISA
- Tax efficient – you pay no Income Tax or Capital Gains Tax on any returns
- Invest up to £20,000 for the current 2017-2018 financial year
- No initial charges – no fee to start your Investment ISA
- Sustainable funds -that aim to deliver strong returns
- Award-winning expertise in every Investment ISA
Answers to your questions
What is a stocks and shares ISA
A stocks and shares ISA invests your money into a range of assets, such as shares, bonds and commodities. You don’t pay any income tax on dividend income or any capital gains tax on profits when you sell stocks or shares. This means that any growth on your investment is tax efficient. With a stocks and shares ISA you may get back less than you have invested.
How much can you put in?
The amount of money you can put into ISAs for a tax year is called the annual ISA allowance. For the 2017-18 tax year, the total amount is £20,000 which you can choose to put into one of the types of ISA available or mix of the ISA's available as long as you do not exceed the limit.
Can I move my money between ISAs?
Yes, you can. Whatever the reason, in order to keep the tax benefits of an ISA it is important to transfer to the new provider. If you close the existing ISA or withdraw money from another ISA you would lose the tax benefits.
Who can invest, and for how long?
You have to be a UK resident and over 18 to invest in a stocks and shares ISA, but can put money into a cash ISA from the age of 16. There is no minimum time you have to leave money in an ISA, you can take your money out at any time.
Is my money safe?
Yes it is. We are covered by the Financial Services Compensation Scheme. This scheme is designed to protect investors should a financial services company become insolvent and not be able to meet its obligations to you. The maximum amount which you are covered for under the scheme for investments is £50,000 per person, per organisation. Please click here for further information or visit www.fscs.org.uk
It is important to remember that the value of your investment can go down as well as up based on market conditions.
Is there a risk in investing my money?
The value of your investment, and the income you get from it, can go down as well as up. As with any investment, there is a chance you will get back less than you originally invested.
It is wise to consider an Investment ISA with a medium to long-term view in mind – that’s at least five to ten years.
Unlike a savings account, there are costs associated with investing.