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Stocks and Shares ISA

The Very Latest Stocks and Shares ISA rates
Maximise your 2017-18 stocks and shares ISA allowance. You can invest up to £20,000 per person.
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.

Selected ISAs

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.

Stocks and Shares ISA

A Stocks and Shares ISA is becoming a popular alternative to Cash ISAs now that the interest rates offered by banks are at the lowest they’ve ever been.

Generally, the returns on your investment are much higher in a Stocks and Shares ISA but there is an element of risk and there’s no guarantee that you won’t make losses or even withdraw less than you invested.

However, there are some way to minimise risk if you’re worried about investing:

  • Many providers now offer ready-made risk assessed portfolios, you can choose the risk level that you’re comfortable with
  • Many accounts mange your funds for you so you don’t have to
  • Investing in government bonds and property are less risky than investing in the stock market

While there are no guarantees of returns with investment, these are some sure ways to minimise that risk.

How do Stocks and Shares ISAs work?

You are able to invest anything up to the tax threshold for that year and choose to have it spread across a Cash, Stocks and Shares and Innovative Finance ISA or consolidated within one account.

A Stocks and Shares ISA is a tax-efficient way to invest. Despite the name, you can invest in many things besides Stocks and Shares, all with varying levels of risk.

As well as shares you can also invest in:

  • Investment trusts
  • Open Ended Investment Companies (OEICs)
  • Unit trusts
  • Government bonds (Gilts)
  • Corporate bonds
  • A Stocks and Shares ISA can be a good way to put aside some money each month or invest some extra cash. This kind of account not advised if you don’t have any other savings or are in debt because you won’t be able to access your money easily if you need to and you could make losses.

    Choosing an investment ISA

    Making sure you shop around ISA providers before committing to a product is sensible, as you can only open one new ISA of each type each tax year. It may be possible to transfer accounts, however, this could incur charges and leave you with less than you started.

    When looking for an investment ISA you may want to consider things such as minimum investment charges and the range of products it allows you to invest in.

    Use the tables on this website to compare a selection of different types of ISA from a selection of providers. Follow the links to find out more and apply.

    Transferring your ISA

    It has become much easier to transfer your ISA, whether that is in to a Stocks and Shares ISA or simply switching Cash ISAs. Changing ISA providers can take around 30 days if it involves a Stocks and Shares ISA or around 7 days if you’re simply switching Cash ISA providers.

    You are able to move your Stocks and Shares ISA in to a Cash ISA relatively easily, simply fill in the transfer form that your new provider will provide and give details of your assets and they will take charge of selling and transferring them.

    While the process simply involves filling in a form, be careful of penalty charges from your current provider, which could apply.

    Important Risk Information:

    This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

    Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

    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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