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Compare ISAs to get the most from your annual allowance.
Investment Fund Supermarket ISAs

Astute Capital Stocks & Shares ISA

from Astute Capital

Allows ISA Transfers
  • Protection Scheme: No
  • Fund Choice: Managed Portfolios
  • Invest From: £2,500

Why we like it: Astute Capital Stocks & Shares ISA. Choose between four different high interest managed account options (access, income, balance or growth) which have four different fixed rate terms from 1 to 5 years. Unlike most ISA and investment accounts, there are no set up charges or management fees. Simple, online application process. Returns are based on current available rates and are not guaranteed. Your capital is at risk.More info...

Click & Invest Stocks & Shares ISA

from Investec Click & Invest

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: Managed Portfolios
  • Invest From: £2,500

Why we like it: In a nutshell this service helps make your ISA money work harder! Investec Click & Investis an online investment service that aims to make actively managed, globally diversified investment portfolios accessible to a wider audience. Everyone deserves harder working money, and Click & Invest’s goal is to make a positive difference to more financial futures. Their experts build and manage investment portfolios from £2,500 online, intelligently blending expertise with high-quality service. With a £2,500 minimum investment, Click & Invest aims to deliver an exceptional service for a straightforward fee. They offer both stocks and shares ISAs and general investment accounts, with a seamless online experience, with dedicated 24/7 support available. Capital at risk.More info...

Interative Investor Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 40,000+ UK and global investments
  • Invest From: £25 pm or £100 single

Why we like it: ISA prize draw – win £20,000. Subscribe £2,500 or more to your 2018/19 ISA for automatic entry. Terms and conditions apply. An award-winning ISA that gives you complete control. The second largest platform in the UK with the widest choice of investment options in the market including funds, investment trusts, ETF’s and more. Open online in less than 10 minutes. Access to expert independent ideas and analysis. Low cost fees and trading. Capital at risk

Investment Growth Plan ISAs

FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 10.25% per annum
  • Counterparty: Investec Bank plc
  • Term: Up to 6 years

Kick out plans seem to attract particular interest when the market is at historically high levels since they can provide competitive returns even if the FTSE stays relatively flat with the potential for 10.25% annual growth.

  • 10.25% 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 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
  • 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.

ISA Providers

Whether you’ve have been investing in ISAs for a number or years or you are thinking about taking out your first one, there are great ISA options available for everyone.

Check our tables for a comparison of ISA providers.

What are my Options?

There are three types of ISA which you’re able to split your annual allowance between. Cash, Stocks and Shares and Innovative Finance.

Cash ISA

Features:

  • You can be paid a stable rate of interest. Fixed Cash ISAs tend to have the highest rates
  • A Fixed Rate ISA would provide you with a guaranteed amount, meaning you will know what your end total will be. However, you are normally required to tie up your money for a period of time
  • If you need flexible access to your account then Variable Cash ISAs are a good call as they are more likely to allow you 24/7 access to your money

What to Consider when choosing a Cash ISA provider?

  • Whether the ISA is flexible or fixed rate, this will determine the rate of interest you receive
  • If you are likely to transfer in the future, fixed rate ISAs tend to charge a penalty whereas variable ISAs tend to be more flexible about transfers
  • Look for accounts with the highest rate of interest or switching deals

Make sure the account you have chosen accepts transfers in, if you’re planning to switch

Stocks and Shares ISA

A Stocks & Shares ISA is a tax-efficient and flexible way to invest in the market.

Features:

  • This is a good way to protect your investments as anything you place into the ISA or earn in profit will be sheltered from capital gains tax and any further income tax
  • An option to put away a little money each month or invest some spare cash. You could possibly receive a higher return on your savings when compared with a standard ISA
  • Many accounts now offering managed portfolios for you, it is now easy for people to begin investing as no experience is required. This also works for very busy people
  • It’s always worth remembering however, that there is an element of risk involved and you could end up with less than you originally invested. Investment ISAs are viewed as a long term investment, usually for a minimum of 5 years.

What to Consider when Choosing a Stocks and Shares Provider?

  • Assess the level of risk you’re willing to take, most providers can filter assets depending on the level of risk you’re willing to take or even provide you with a ready-made portfolio
  • Some providers hold a limited amount of carefully selected options to invest in whereas others have a much larger range of funds. Work out which is right for you
  • Be careful of management charges and account fees. All investment ISAs have some form of charge, whether that’s a trading fee or an account management fee

Which ISA is Right for You?

It entirely depends on your savings goal and the amount or risk you’re willing to take. It’s generally advised that if you have debts, don’t have any other form of savings or will need to withdraw your cash in an emergency then you don’t choose to invest as your capital is at risk. It’s also difficult to withdraw your money quickly, even transferring can take 30 days or more.

If you do have some spare income, however, investing is a good way to see high returns on your money, as long as you are aware of the risks.

As another option, with certain types of Cash ISAs, you have instant access to your money, which makes it a flexible way to plan your finances. Alternatively, fixed rate ISAs are a good way to see guaranteed returns on your capital, if you can tie up your money for a year or more.

ISA idea for tax free income

Best ISA Ideas For Growth


The opportunity for a high fixed tax free monthly income.

Maximise your 2017-18 allowance!

Invest from £3,000

Click here for more details...»

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.

High Income ISAs

High income ISA ideas:

ISAs Products

Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

Lower ISA fees for fitness enthusiasts

13th March 2019

Do you need a nudge to encourage you to keep going to the gym, or for a regular run? How about lower admin fees on your ISA? Your health is as important to how much you will enjoy your retirement years as your future income. A new ISA provider reckons it makes sense to link the two together.

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