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Britannia ISA

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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.

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.

Peer to Peer Lending ISAs

CROWD2FUND

from CROWD2FUND

ISA Option
Allows ISA Transfers
Regular Savings
Interest Rate Earn an estimated 8.70% APR on your investments
  • Term: 1 - 5 Years
  • Invest From: £10

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
  • Peer to peer lending is not covered by the FSCS
Investment Growth Plan ISAs

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

Why we like it: 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% annual growth.

  • 10.00% 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.

Fixed Rate Cash ISAs

3 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.25%
  • Term: 3 Years

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

  • 1.85% gross/AER fixed for 3 years.
  • £1,000 minimum opening balance

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

2 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.20%
  • Term: 2 Year

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

1 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.00%
  • Term: 1 Year

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

Britannia ISA

Following their merger Britannia are now part of The Co-operative Bank, As such their ISA offerings are offered through the Co-op. There is not currently a Co-Operative Bank or Britannia Stocks and Shares ISA however they do have Cash ISA products, but before you take out an ISA it is a good idea to shop around to try and find the top deal for the kind of product you want. You can use the comparison table below to compare a selection of ISAs from different providers and click the links to apply:

Co-operative & Britannia Cash ISAs:

  • Britannia 1 & 2 year Fixed Rate ISAs – Savers who can afford to lock away £5,000 or move over one or two years could benefit from a fixed rate of interest on their savings. It is possible to make withdrawals but they will be subject to an interest penalty meaning it is possible you could get back less than you originally put in.
  • Co-op Cash ISA and Online Cash ISA – Offers savers a variable rate of interest on their savings, while maintaining the ability to make unlimited penalty-free withdrawals should they want to.

About ISAs

There are two distinct types of Individual Savings Account: Cash ISAs and Stocks & Shares ISAs. ISA rules allow you to open a maximum of one of each type of ISA each tax year, however you can open just one type of account if you prefer, if you do opt to open both kinds of ISA then you will need to break up your ISA allowance between the two accounts, you can choose at what ratio you do so E.g. 70% in a Cash ISA and using the remaining 30% for a Stocks & Shares ISA.

  • Cash ISAs – Are a type of savings account where up to your maximum allowance any interest you earn on the account is paid tax-free. There are different kinds of Cash ISA offered by various providers such as; Fixed Rate accounts and Instant Access Accounts. Before you take out this kind of ISA it is therefore important to look at the different features of these accounts and consider which one would suit your needs best.
  • Stocks & Shares ISAs – Are a type of tax-efficient investment account you can use to put money into other investments like; gilts, bonds, shares and stocks. It is important to remember that with these types of investment you could get back less than you originally put in if their value decreases. There are self-select plans which allow you to directly invest in stocks and shares or options where you get a choice of managed funds to invest in. With this kind of ISA you do not have to pay income tax or capital gains tax from increase in value of your investments however you are still taxed on dividends.
  • Junior ISAs – Are a type of Individual Savings account intended to save for a child’s future, there is both Junior Stocks & Shares ISAs as well as Junior Cash ISAs. The money held in these accounts cannot be accessed until the child turns 18 at which point it rolls over to a normal ISA and they can do what they like with it.

ISA Transfers

It is possible to transfer an ISA from one provider to another; however some ISAs will impose an interest penalty for doing so. 

ISA idea for tax free income

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The opportunity for a high fixed tax free monthly income.

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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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