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Investment ISAs are an easy way for people to begin saving and potentially see higher returns than with a regular ISA. Many accounts manage your funds for you or provide you with a simple selection that you can choose. It’s tax-efficient wrapper which protects your investments from capital gains tax and personal tax.
An Investment ISA can be a good way to put aside some money each month or invest some extra cash. This kind of account isn’t the best 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.
However, Investment ISAs have the potential to provide better returns than any other savings account.
All Stocks and Shares ISAs charge some kind of account fee. Make sure you check before you apply
You can transfer from a Cash ISA in to a Stocks and Shares ISA and vice versa (usually after selling your investments) watch out for transfer fees.
Some providers allow you to hold cash in your account, ready to invest whenever you choose. You can even earn interest on that money so make sure your potential provider offers this if you think you may need this option
Bed & ISA is a term which involves selling your non-ISA investments and then using the proceeds to buy them back immediately but with the ISA wrapper. This means you use your annual tax-free allowance and therefore, save tax on your assets.
The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice.
15th March 2021
You've decided to invest your savings into a Stocks and Shares ISA. You'll be using your tax-free ISA allowance for this year before the deadline, while also investing your money for your future. But what do you need to consider before opening an account? We've put together a list of our top five considerations for you to think about before you click "apply".
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I found the way the different options are presented very clear - much more useful than some other comparison sites. I sent it to my daughter as well.
Very informative, find myself a good ISA account with best return in terms of interest.
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ISA can be confusing at first and this site includes a useful and helpful introduction into the world of ISAs