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HSBC Investment ISA

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Investment Income Plan ISAs

FTSE 100 Enhanced Income Plan

from Investec

Allow ISA Transfers
Annual Income 4.35% fixed income
  • Counterparty: Investec Bank plc
  • Term: 5 years

Why we like it: Fixed income, fixed term, monthly payments and your capital back unless the FTSE falls by more than 50%. By offering a high fixed income rather than a variable income based on the performance of the stock market, this plans offers something different to income seekers.

  • 4.35% income paid regardless of the performance of the FTSE 100
  • Monthly income
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies for this plan
  • Product designed to be held for the full term

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Selected ISAs

Stocks & Shares ISA

from Prudential

Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Four unique PruFunds
  • Invest From: £50 p.m. or £500 lump sum
  • Investment Options: Lump sums, regular savings and ISA transfers

Why we like it: Choose from 4 unique PruFund Funds, each one with a different level of risk and managed by Prudential’s in-house experts, and you can keep track of your investments 24/7 using their online valuation service. Open with as little as £50 per month or a one off lump sum of £500. The application process takes around 10 minutes and they also have a simple transfer process if you already have ISAs that you wish to move across. Other benefits include one simple annual management charge and no exit fee.

HSBC Investment ISA

HSBC Holdings plc is a British banking and financial services company, one of the world’s largest banks by total asserts it is based in Canary Wharf, London. HSBC currently offer a stocks and shares ISA as well as other types of ISA. All their accounts take transfers in but many are limited to HSBC customers. They offer other stocks and share investment options aside from their ISA.

Choosing an investment ISA

It’s wise to shop around ISA providers before committing to any one product, as you can only open one of each ISA per tax year, although it may be possible to transfer accounts. When looking for an Investment ISA you may want to consider things such as minimum investment charges and the range of products it allows you to invest in.

Use the tables on this website to compare a selection of different types of ISA a from a variety of providers. Follow the links to find out more or apply.

HSBC Investment ISA Review

World Selection Investment ISA

  • Advertised as a simple way to invest at your preferred level of risk
  • Exclusively available for HSBC customers
  • Withdraw or top up any time
  • Benefit from a ready-made portfolio which is managed by their team of professional
  • Benefit from a range of asset classes, geographies and currencies
  • There is no initial charge on the account but an annual account fee applies

You can open this account with a £1000 lump sum or £50 per month minimum investment.

About Investment ISAs

Investment ISAs are not normally investments in their own right but they are an account that holds money for an individual to vest in ‘qualifying investments such as government bonds and corporate bonds as well as shares and stocks. They are generally available as either self-select ISAs that allow you to invest directly into stocks and shares or as collective investment schemes. Investment ISAs are referred to as ‘tax-efficient’ wrappers, as there is no capital gains tax to be paid on gains made on investments held within the wrapper.

It is important to remember with this kind of option your capital is at risk, as the investments you make could go down as well as up in value, so you could get back less than the amount you originally put into the account.

Transferring an ISA

HSBC allows transfers in to their account. It’s important to remember that ISA accounts do not have to permit transfers in. However, ISA providers do have to permit account holders to transfer their account to another ISA, this can be with either the same provider or a different one. Some ISAs will also impose a penalty charge for transferring out.

This means that while it can be beneficial to periodically check if you could get a better deal elsewhere, before moving it can be wise to first consider if any charge you would incur would actually negate the potential benefits of switching ISA.

Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

Cash ISAs

ISAs are a tax-advantageous way to save or invest, check out some of the ISA options below

ISAs Products

Fund ISAs

There are a range of types of fund ISA

Fund ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

What is the best investment ISA?

20th June 2017

People often ask: “what is the best investment ISA?” The answer to this question is not a simple one, with the best investment ISA for you depending on a number of factors. 

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