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Principality 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)

Principality ISA

There are many providers of ISAs so it can be hard to decide how you want to save up to your maximum allowance each tax year. Whether you are looking to take out a Cash ISA, a Stocks and Shares ISA or one of each, shopping around can be a good idea. So in addition to checking what a Principality ISA could offer you, you may want to look at other providers. You can use the table above to view a selection of ISAs from different providers:

  • Principality Cash ISAs: Principality has a selection of; E-ISAs, variable rate ISAs and fixed rate ISAs so however you want to say they may have a product that fits your needs.
  • Principality Stocks & Shares ISAs: Principality does offer this kind of ISA but only through their branches, so you would need to book an appointment with a Principality consultant to find out about these products.

Types of ISA

It is a good idea to shop around before taking out an ISA to make sure you get the plan which will work best for your saving and investing needs. You should also make sure you understand all of the particular features of that product. In the UK there are two types of ISA commonly available Cash ISAs and Stocks & Shares ISAs, each year you can operate up to one of each account. However your maximum allowance stays the same, which means if you decide to open both types of Individual Savings Account, then you will need to break up your allowance between the two.

  • Cash ISA – Are basically the same as any savings account offered by a bank or building society, however the interest you earn on an ISA is paid tax-free up to your maximum allowance. There are different kinds of Cash ISA such as ones with variable rates, which often allow you to make unlimited penalty free withdrawals, or ones that offer a fixed rate of interest in return for locking your money away without access for a predefined period of time.
  • Stocks & Shares ISA – Is a type of investment account, so you do not earn interest on it itself, rather it provides a tax-efficient wrapper to invest in products like corporate and government bonds as well as shares and stocks. Some types of stocks and shares allow you to directly self select the products you invest in, others operate as a collective investment scheme. While you still have to pay tax on dividends, you will not be charged capital gains or income tax on your investments within the ISA up to your maximum amount.
  • Junior ISA – Junior ISAs are a type of saving product offered for young people, they can be opened by a saver when aged between 16 and 18 or they can be opened by someone with parental responsibility when the child is at any age. There are both Stocks and Shares and Cash JISAs available. The money held within this kind of account is locked away until the child turns 18.

ISA Transfers

It's possible to transfer your ISAs from one provider to another or from one ISA to another ISA with the same provider. However they may impose a interest penalty for doing so, this means it is worthwhile checking around to see if you could receive a better rate, but when you do so you should check to ensure, that if you would incur a penalty with your current arrangements that you would not actually be better off staying put. 

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

High Income ISA Idea For Your 2017 ISA Allowance

23rd May 2017

The New ISA Allowance Is £20,000 Per Person. 

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