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Royal London 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 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

Royal London ISA

Royal London currently offer a Stocks and Shares Investment ISA and Unit Trusts, whatever kind of ISA you are looking for its a good idea to shop around providers first to find the top deal for the product that best fits your needs. You can use the comparison table above to compare ISAs of different kinds from various providers:

Royal London Investment ISA 

Allows you to invest in a choice of funds. Minimum deposit of at least £1,000 then to invest at least £100 on each occasion that you wish to top up the investment ISA.

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 categories of UK ISA: Cash ISAs and Stocks & Shares ISAs, ISA rules allow each eligible person to open up to a maximum of one of each kind of ISA each tax year. The ISA allowance is the limit to the amount each saver can deposit into an ISA each tax year, this amount stays the same so if you opt to open a Cash ISA and Stocks & Shares ISA you will need to divide the allowance between the two accounts, this can be done so at ratio of your choice as long as you do not exceed the limit.

  • Cash ISAs – Are a kind of investment account that, up to your maximum allowance, pays savers interest tax-free. There are different sorts of Cash ISA product offered by various Banks and Building Societies, as well as other providers. Some kinds may include: Fixed Rate, Easy Access and Instant Access ISA.
  • Stocks & Shares ISAs – Are a kind of tax-efficient investment account that allows you to invest in various products such as corporate and government bonds as well as stocks and shares. With this kind of ISA you do not pay Capital Gains Tax or Income Tax on profits made from the increase in value of your investments, but you do pay tax on dividends. As you use this account to invest in capital-at-risk products, if the value of your investments decreases you can get back less than you originally put in, these are also not FCA protected.

Transferring ISAs

It is possible to transfer an Individual Savings Account to another ISA product, either with your current provider or a different one. Some ISAs may impose an interest penalty for doing so however; this means that while it can be beneficial sometimes to move, before you do so you should check that any penalty you would incur would not negate the potential benefit of moving to a different product. 

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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