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Investment ISAs

Latest investment ideas for your ISA
Use our selection of the latest investment ISAs - including income and growth options, defined return and defined term investment plans, investment funds, and more - to help you decide where to use your ISA allowance.
Investment Fund Supermarket ISAs

Barclays Fundsupermarket ISA

from Barclays

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 2,000+ funds
  • Invest From: £50 per month or just £5 single

Why we like it: Barclays Stockbrokers has been voted ‘Self Select ISA Provider of the Year’ at the ADVFN International Financial Awards 2016. Choose from over 2,000 funds, shares, ETFs, investment trusts, gilts, bonds and more. Now with ISA flexibility, withdraw and replace cash from a flexible ISA during the same tax year without it counting towards your annual ISA allowance.

Peer to Peer Lending ISAs

CROWD2FUND

from CROWD2FUND

Allows ISA Transfers
Regular Savings
Interest Rate Earn an estimated 8.70% APR on your investments
  • Term: 1 - 5 Years

Why we like it: Crowd2Fund’s Finance ISA is designed to make it easier for savers to invest while managing a diversified portfolio. You can transfer existing ISAs (Crowd2Fund will help you do this) and earn an estimated 8.7% APR* return tax free.

  • Currently 0% platform default rate
  • Access to your capital
  • EIS, SEIS & IFISA tax relief
  • Balance your level of risk
  • *Capital at risk
Investment Fund ISAs

Barclays - Invesco Perpetual Monthly Income Plus Fund

from Invesco Perpetual

Income Yield 5.68%

Income Paid Monthly. Popular income fund that aims to achieve a high level of income whilst seeking to maximise total return through investing in Government bonds and UK equities. You can access this fund through the Standard Life Fund Supermarket.

Barclays - Henderson Preference and Bond

from Henderson

Income Yield 4.90%

Income Paid Quarterly. To provide a return by investing primarily in sterling denominated preference shares, Government securities, corporate bonds, Eurobonds and other bonds. You can access this fund through the Standard Life Fund Supermarket.

Barclays - Woodford Equity Income Fund

from Woodford

Income Yield 3.70%

Income Paid Quarterly.The fund’s investment objective is to provide investors with long-term appreciation through investing in stocks primarily listed on the UK stock exchanges. You can access this fund through the Standard Life Fund Supermarket.

Selected ISAs

UK Tracker Fund

from Scottish Friendly

ISA Option
Regular Savings
  • Term: 5 years+
  • Protection Scheme: Your money is protected by the Financial Services Compensation Scheme
  • Fund Choice: UK Tracker Fund ISA
  • Invest From: £10 pm
  • Investment Options: You can stop, restart, raise or lower contributions whenever you like.

Why we like it: Straightforward regular saving ISA plan invested in the Scottish Friendly UK Tracker fund which invests in companies such as Tesco, Marks and Spencer and BT.

Share Dealing ISAs

IG Share Dealing ISA

from IG

  • Trade From (frequent trader rate): £5.00
  • Trade From (standard trader rate): £8.00

Why we like it: IG provide great value at £5 per trade if you placed 10 trades in the prior month. Pay no more than £8 per trade on UK shares. Over 5,000 international shares to choose from. No ISA transfer fees.

Barclays Share Dealing ISA

from Barclays

  • Trade From (frequent trader rate): £5.95
  • Trade From (standard trader rate): £11.95

Why we like it: Barclays Stockbrokers has been voted ‘Self Select ISA Provider of the Year’ at the ADVFN International Financial Awards 2016. Choose from over 2,000 funds, shares, ETFs, investment trusts, gilts, bonds and more. Now with ISA flexibility, withdraw and replace cash from a flexible ISA during the same tax year without it counting towards your annual ISA allowance.

Capital’s at risk. Tax rules may change in the future and whether particular tax rules benefit you, will depend on your individual circumstances

AJ Bell Youinvest ISA

from AJ Bell

  • Trade From (frequent trader rate): £4.95
  • Trade From (standard trader rate): £9.95

Why we like it: Voted ‘Best Share Dealing App 2015’ in Investors Chronicle and FT Investment and Wealth Management Awards and 'Best online Share Dealing provider 2015' in Your Money Direct Awards. Place 10 deals or more per month and pay only £4.95 per online deal in the next month. Place less than 10 deals per month and pay £9.95 per online deal in the next month. Choose from over 4,000 investment funds

Trading Account

from TD Direct

  • Trade From (frequent trader rate): £5.95
  • Trade From (standard trader rate): £12.50

Trade on their lowest trading rate of £5.95 for your first 3 months. £0 account fee available. Money Awards Best Online Share Dealing Provider 2014.

Investment Growth Plan ISAs

Investec FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 10.00% per annum
  • Counterparty: Investec Bank plc
  • Term: Up to 6 years
  • 10% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging)
  • Potential to mature early, from year 1 onwards
  • Available for 2016/17 ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • 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.

Investec FTSE 100 Defensive Growth Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 34.00% after 6 years
  • Counterparty: Investec Bank plc
  • Term: Up to 6 years
  • 34% after 6 years provided the FTSE 100 finishes above 50% of its starting value
  • Available for 2016/17 ISA and ISA transfers
  • Capital is at risk if the FTSE 100 Index has fallen by more than 50% at maturity from its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • 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.

Investec FTSE 100 Step Down Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 8.25% per annum
  • Counterparty: Investec Bank Plc
  • Term: Up to 6 years
  • 8.25% for each year (not compounded) provided the FTSE 100 finishes above kick out level
  • Kick out level reduces from 100% to to 80% over the term
  • Potential to mature early, from year 2 onwards
  • Available for 2016/17 ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • 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.

What is a stocks and shares ISA?

Unlike a cash ISA - which is a straightforward tax-free savings account - a stocks and shares ISA allows you to invest money up to a certain amount without paying tax. This runs from 6th April each year, check the main page to see the current ISA maximum allowance.

A stocks and shares ISA allows you invest your tax-free allowance while only paying 10% tax on any investment income you make. This can add up to a substantial saving when you consider that, on dividends paid on a non-ISA investment, an additional rate taxpayer would have to part with 42.5% in tax.

You have a variety of options when it comes to using your stocks and shares ISA allowance. You can:

  • Invest your full ISA allowance in a stocks and shares ISA.
  • Use your stocks and shares ISA allowance for shares - excluding shares traded on the Alternative Investment Market (AIM) - unit trusts, investment trusts, open-ended investment companies (OEICs), life insurance policies, corporate bonds, and gilts.

Are you ready to invest in a stocks and shares ISA?

A stocks and shares ISA, as with all investments, involves an element of risk, so it's important that you're in a sufficiently stable financial position. Before you open a stocks and shares ISA, make sure that:

  • Your debts are under control - you've either paid them off or have affordable arrangements in place to do so.
  • You have emergency savings that you can access easily if something unexpected occurs - if your car breaks down or you're made redundant, you'll need savings that you can use straight away.

If you're very new to saving and don't yet have a basic emergency fund, you may find that a cash ISA is more suitable for you at this stage. Once you've built up some accessible savings in this way, you might then want to consider a stocks and shares ISA, too.

Top ten things to consider when choosing a stocks and shares ISA

  • You should be prepared to invest for the medium to long term with a stocks and shares ISA - for example, for five years or more.
  • If you think you might require access to your cash in the next couple of years, a stocks and shares ISA may not be the right choice for you. Share prices can be very variable - especially in the current financial climate - and so if you were to withdraw your investment in the next twelve to eighteen months, you could end up with less money than you started with.
  • Different stocks and shares ISAs have different investment options. These range from £50 per month (e.g. through a fund) to a specified minimum investment (e.g. £1,000).
  • Some ISA providers will give you online access to your account, allowing you to see the investment performance of your ISA and keep up to date with any charges incurred.
  • If your stocks and shares ISA isn't performing as well as you'd like, you will usually be permitted to transfer it another provider. To do this, speak to your new ISA manager who will arrange the transfer, allowing you to avoid losing any tax benefits by withdrawing your cash.
  • You can transfer shares you get from an HMRC-approved SAYE (save as you earn) scheme run by your employer, or a share incentive plan, into a stocks and shares component of an ISA without incurring capital gains tax, up to your annual ISA allowance.
  • You will not be able to transfer any existing non-ISA shares, or shares you've inherited, into a stocks and shares ISA.
  • With a stocks and shares ISA, there is greater long-term growth potential than a cash ISA - however, bear in mind that the value of your investment can go down as well as up.
  • If you have a stocks and shares ISA from a previous tax year, you're permitted to move this into a current stocks and shares ISA or split it between more than one stocks and shares ISA.

FREE Factsheet

Hargreaves Lansdown are providing a free factsheet revealing how three private investors built tax-efficient ISAs worth over £1 million - request your free copy now.

The Investing Secrets of ISA Millionaires - The Pathway to Becoming An ISA Millionaire »

5 Shares To Watch In 2016...

In 2015 Steve Clayton picked 5 shares to watch – overall his selections were well ahead of the market by the year end although past performance should not be seen as a guide to future returns.

In this factsheet Steve Clayton reveals his share picks for 2016 featuring:

Five shares to watch in 2016 - claim your free report 

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

Lifetime ISA bonus to be paid monthly

15th September 2016

The Government has announced today that the 25% annual bonus on savings held in lifetime ISAs will be paid monthly. This change will take effect from the 2018/19 tax year so a year after lifetime ISAs are launched in April 2017.

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