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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 9.65% 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.

  • 9.65% 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

NFU ISA

NFU Mutual currently offers two Stocks and Shares ISAs; they do not currently offer a Cash ISA plan. However whether you’re looking for a stocks and shares ISA, Cash ISA or both shopping around can be a good idea, to try and make sure that you find the product that will allow you to the get the very most out of your annual allowance. You can use the comparison table to compare different kinds of ISA from a selection of providers, which might help you decide which is right for you:

NFU Stocks & Shares ISAs:

  • NFU Shrewd Savings Plan ISA: Invests in NFU’s With-Profits Funds, which means it will be spread across a several different investments such as fixed interest stocks, property and equity. Minimum one of deposit size is £1,000 if you want to contribute monthly the minimum is £25 per month.
  • NFU Mutual Select ISA: Invests solely in stocks and shares. You can choose to take income generated from your ISA or income generated will automatically be reinvested. Minimum one off deposited amount is £1,000 ISA may be topped up with less. If you want to make monthly instalments the monument is £25 per month.

ISA Guide:

In order to be eligible for a United Kingdom 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.

Each eligible saver has an Annual maximum ISA allowance which is the limit you can deposit into a Cash ISA, Stocks & Shares ISA or a combination of the two. ISA rules allow you to open up to a maximum of one of each kind of ISA each tax year, if you opt to open both kinds then you will need to break up your allowance between the two accounts as it stays the same.

  • Cash ISAs – are similar to a normal savings account offered by a bank or building society. The main difference is that any interest that accumulates on your savings, up to the maximum allowance, is paid tax-free. There are a range of different Cash ISA plans available from different providers so you can pick a plan that fits how easily you would be able to access your savings during the ISAs term, some options may include: Fixed Rate, Notice and Instant Access.
  • Stocks & Shares ISA – are kind of investment account that acts a tax-efficient wrapper for you investments. You can use this type of ISA to invest in various products such as; corporate and government bonds as well as stocks shares. Some investment ISAs allow you to directly pick which stocks and shares you invest in, others will provide a selection of managed funds to choose from. You do not need to pay Capital Gains Tax or Income Tax on profits made from the increase in value of your investment, you do however still pay tax on dividends.

Transferring an ISA

You can transfer an ISA to another ISA either with the same or a different provider; however some products may impose an interest penalty for doing so. This means that while it can sometimes be a good idea to change your arrangements, before moving you should check to make sure that any penalty you might incur would not negate the potential benefit of moving.  

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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