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Fully Managed Stocks and Shares ISA

from Nutmeg

Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Fully Managed and Fixed Allocation Portfolios
  • Invest From: Min. £500 single (+ £100 pm for ISAs below £5,000)

Why we like it: Get an intelligent stocks & shares ISA portfolio - Choose a portfolio that's fully managed by our expert team or a fixed allocation portfolio. No tie-ins, no set-up fees, no exit charges. Easy, online set up in minutes. Start with as little as £500 (plus £100 per month for ISAs below £5,000). Portfolio management fees of 0.45%-0.75% up to £100k. 0.25%-0.35% beyond £100k. There are also underlying investment charges, see our fees page. Plus, live chat, amazing customer support and brilliant investor tools and guides. Authorised and regulated by the FCA. Capital at risk.

Investment Income Plan ISAs

FTSE 100 Enhanced Income Plan

from Investec

Allow ISA Transfers
Annual Income 4.20% fixed income
  • Counterparty: Investec Bank plc
  • Term: 5 years

Fixed income, fixed term, monthly payments and your capital back unless the FTSE falls by more than 40%. 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.

  • 4.20% 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.

Investment Growth Plan ISAs

FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 10.50% 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 10.5% annual growth.

  • 10.5% 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.

M&S ISA

Whether you are trying to find the right Cash ISA, Stocks & Shares ISA or are interested in both shopping around to find the right product for your specific needs is a good idea, while Marks and Spencer’s Bank is not currently accepting new applications to invest in the HSBC World Selection Portfolio, they do still have Cash ISA products available for new customers. In addition to seeing what an M&S ISA could offer you, you could also check the comparison table to see a selection of ISA products from different providers:

  • M&S Cash ISA – allows you to split your existing and new ISA subscriptions between fixed and variable rates. With the Fixed Rate Savings option the M&S Cash ISA can offer you a fixed rate of interest for 1,2 or 3 year terms. With the M&S Advantage Cash product you earn a variable rate of interest but have the option of making deposits and withdrawals whenever you want without a penalty.

About ISAs

There are two distinct categories of ISA available; Cash ISAs and Stocks & Shares ISAs, you can open up to one of each kind of ISA each tax year however if you do open both then you will have to break up your annual ISA allowance between the two accounts.

  • Cash ISAs – Are essentially savings accounts providers may offer different types of Cash ISA such as; Fixed Rate, Easy Access and Instant Access plans. The key difference compared to a standard savings account however is that up to your maximum annual limit all interest paid to these accounts is tax-free.
  • Stocks & Shares ISAs – Are not investments in themselves, they rather provide a tax-efficient investment account that allows you to invest into various products like stocks and shares as well as; gilts, bonds and funds. This type of ISA is described ‘tax efficient’ as while up to your maximum allowance you do not have to pay Capital Gains Tax or Income Tax up to your maximum allowance on investments within the account, you do still however have to pay tax on dividends. Within Stocks & Shares ISAs there are ‘Self-select’ products that allow you to directly invest in your choice of shares and stocks, as well as plans that offer you a choice of managed funds dependent on your own attitude to risk. It is important to remember that with Stocks & Shares ISAs that you can get back less than you originally invested, if the value of your investments goes down.

Transferring an ISA

It is possible to transfer your ISAs from one provider to another or from one ISA to another ISA with the same provider; however they can impose a penalty for doing so. This means that while it is a good idea to shop around and see if you can find a better deal, before you make a switch you should check if you’d actually be better off staying put once you have factored in the interest penalty you would incur for moving. 

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

A New “Care ISA” To Fund Care Home Costs?

21st August 2018

For anyone around retirement age, paying for our care costs when we get older is a worry that probably ranks second only after a fear of developing dementia. Will a new type of ISA be the solution?

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