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MetLife ISA

Compare a selection of ISAs from different providers.
Selected ISAs

Fully Managed Stocks and Shares ISA

from Nutmeg

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: Fully Managed 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 one designed to remain steady and rebalance automatically. 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). Simple fee structures – 0.25% to 0.75% depending on how much you invest, incl VAT. Plus, live chat, amazing customer support and brilliant investor tools and guides. Regulated by the FCA and protected by the FSCS. Capital at risk.

Investment Income Plan ISAs

FTSE 100 Enhanced Income Plan

from Investec

Allow ISA Transfers
Annual Income 4.56% 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.

  • 4.56% 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 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
  • 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 10.25% 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.

  • 10.25% 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 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.

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

Share Dealing ISAs

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.

Selected ISAs

Investment ISA

from Nutmeg

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

MetLife ISA

MetLife currently offer a Stocks & Shares ISA known as the Metlife Guaranteed ISA. However whether you are are looking for a stocks and shares ISA or a cash ISA, to try and get the most out of your annual allowance, it is wise to shop around different providers to compare their features and decide which products would be best for you. You can use the comparison table to view a selection of different kinds of ISA from various providers:

MetLife Stocks and Shares ISA:

  • Guaranteed ISA – Offers savers the choice between a ‘Secure Income Option’ they claim gives you a guaranteed level of income for life, which you can take immediately or defer until later, and their ‘Secure Capital Option’ which offers a guaranteed amount at the end of your chosen term.

ISA Guide

In order to be eligible for a UK ISA you need to be:

  • Aged 16 or over for a cash ISA.
  • Aged 18 or over for a stocks and shares ISA.
  • A resident of the United Kingdom.
  • If you don’t live in the UK then you need to be a Crown Servant or their spouse/civil partner.
  • You can open a Junior ISA for someone under 18 who you have parental responsibility for.

There are two distinct types of ISA: Cash ISAs and Stocks and Shares ISAs, which differ considerably from each other. ISA rules allow each eligible person up to one of each type of Individual Savings Account each tax year. However as your ISA allowance remains the same if you do opt to open both kinds you will need to split your allowance between the two, this does not have to be a 50/50 split however you can do so at a ratio of your choice providing you do not exceed your annual maximum allowance E.G. you could put 40% into Stocks and Shares ISA and the remaining 60% could be used in a Cash ISA.

  • Cash ISAs – Are a type of savings account, the interest that accrues on the money in the account, up to your maximum allowance, however is paid tax free. There are a range of different Cash ISA plans available from different providers, depending on how you want to save your cash with options including: Fixed Rate, Notice and Instant Access accounts. Accounts that offer more limited access to your money during the products term tend to offer better rates of interest, but this may vary.
  • Stocks & Shares ISAs – Are a type of investment account that acts as a tax-efficient wrapper for your money. You can use this type of account to invest in other products including: funds and corporate bonds as well as stocks and shares. ‘Self-Select’ accounts of this type allow investors to directly pick which stocks and shares their money goes into, other types of stocks and shares ISA will give the investor a selection of different managed funds to pick from. It is important to remember that you could get back less money than you originally put in if the value of your investment decreases as this is a capital at risk type of product. With this kind of ISA you do not have to pay capital gains tax or income tax on profits made within the ISA from the increase in value of investments, however dividends will still be taxed.

ISA transferring

It is possible to transfer an ISA into another one, either with the same or a different provider. However you may incur an interest based penalty for doing so with some accounts. 

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

How to choose the best ISA?

7th April 2017

You can invest your full ISA allowance of £20,000 into one ISA or split your allowance between the three types of ISA available. Cash, Stocks and Shares and Innovative Finance. However, this leaves the question of how to choose what works best for you?

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