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Mar 2020

What is a Property Stocks and Shares ISA?

What is a Property Stocks and Shares ISA?

An ISA is a tax-free wrapper where you can house up to £20,000 of your savings this tax year. For those looking to diversify their stocks and shares Investment ISA portfolio, there are lots of different options for investing in Property which we’ve broken down in this blog. 

What is a Property Stocks and Shares ISA?

A Property ISA is not a type of ISA like a Cash, Innovative or Stocks and Shares ISA. It’s a type of investment or fund which you can invest in through a Stocks and Shares or an Innovative ISA. Being in an ISA, this means any returns you gain from this investment are protected from the taxman.

These allow you to invest in property without having to invest in one specific property – instead you can invest in a fund which in turn invests in property.

What kind of property can I invest in through an ISA?

There are lots of different kinds of property you can invest in through ISA funds.

You could, for example, choose a fund which is invested in commercial property. These will generate capital growth of funds or income from rent - which is then paid into funds (and ergo, paid to investors as a dividend). 

Examples of commercial properties supported by these funds are retail parks or business parks. For your investment in this fund, you’ll receive returns in the same way as any other Investment ISA.

You can invest in UK-only property as well as funds which specifically invest your money in global property.

There are a whole host of different property ISA funds which you can take out, and you’re able to invest from £100 so if you’re looking to diversify your investment portfolio, a Property Stocks and Shares ISA could be a good way to go.

Where should I be looking for a Property Stocks and Shares ISA?

Like any investment (or purchase) you make, you should shop around to find what suits you best. We’ve put together a few examples of Property Stocks and Shares ISAs to give you an idea of what’s out there.

Fidelity ASI European Real Estate Share Fund

  • This is a fund which invests your money in European Real Estate.
  • This fund is available to be held in Investment ISAs and Investment Accounts.
  • This is an Open-Ended Investment Company fund type.

Legal and General UK Property Fund

  • This is a UK-only property fund, so your money will only be invested in commercial property development within Britain.
  • This fund is actively managed by fund managers
  • Minimum lump sum investment of £100

Fidelity First State Asian Property Securities Fund

  • This is a global fund which is specific to Asia, so your money will be invested there.
  • This is an Open-Ended Investment Company.
  • It’s fund-managed and can be held in both Investment ISAs and Investment Accounts.

Read more about Property Stocks and Shares ISAs and see latest rates.

Selected ISAs

UK Property Fund ISA

from Legal & General

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: UK Property Fund
  • Invest From: £20 per month or £100 single
  • Investment Options: Aims to provide a combination of income and capital growth by investing in commercial property. Invests in UK office, retail, industrial and residential property. May also invest in other UK property related investments, such as shares in property companies and real estate investment trusts.The fund will be a Property Authorised Investment Fund for tax purposes.

Invests in UK office, retail, industrial and residential property. May also invest in other UK property related investments, such as shares in property companies and real estate investment trusts as well as hold cash.

This fund is available via: Legal and General investment platform »

Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.

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.

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Stocks & Shares ISAs

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Stocks and Shares ISAs

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