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4th
May 2020
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5 Ways To Invest Tax Free In 2020

5 Ways To Invest Tax Free In 2020

We have provided 5 ways of investing your ISA allowance for this year if you are looking for inspiration!

Here are 5 investment ideas for tax efficient investing using your 2020-21 ISA Allowance of £20,000.

1. Index Tracker ISAs

An Index Tracker Fund will look to replicate the stock market by closely tracking performance – this will generally be done by buying the company shares in the index. You can avoid some costs with this form of fund as it avoids the charges associated with active fund managers.

Find the best rates on platforms offering Index Tracker ISAs.

2. Ethical ISAs

An Ethical ISA fund is a great way to invest in companies which align with your values and principles. This means you can avoid investing your money in endeavours which you might be morally opposed to, whilst still enjoying returns on your investment.

Find the best rates on platforms offering Ethical ISAs.

3. Structured Investment Plan ISAs

These type of investment ISAs provide investors with defined risks and defined returns over a defined investment term. If you like to know where you stand on what you can expect to get at the end of a set period based on set assumptions this type of plan maybe for you.

See here for For latest structured investment ISA plans.

4. Exchange-Traded Fund ISAs (ETFs)

ETFs are funds which give shares, which are then traded on the stock exchange. This type of fund gives you a wide access to different kinds of investments and assets, at a relatively low cost. They can either be actively managed by you or managed by a fund manager.

Find the best rates on platforms offering ETF ISAs

5. Climate Change Fund ISAs

For fans of Greta Thunberg looking to put their money where your mouth is, investing in a Climate Change Fund ISA will ensure that your money will be invested in a companies which are seeking to make a positive impact on the environment.

Find the best rates on platforms offering Climate Change Fund ISAs. 

Selected ISAs

Core FTSE 100 ETF Tracker Fund

from iShares

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: Tracks the FTSE 100 Index
  • Invest From: £25 pm
  • Investment Options: Provides exposure to the FTSE 100 index of the largest companies listed on the London Stock Exchange at a highly competitive price.

A super low cost FTSE 100 tracker ETF fund with a 0.07% pa annual charge. The product has a record of tracking its benchmark to a high degree of accuracy and scored ahead of rivals on this measure.

This fund is available via: Interactive Investor platform »

Important: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.

Investment Income Plan ISAs

FTSE Quarterly Contingent Income Plan

from Meteor

Allow ISA Transfers
Annual Income Up to 6.00%
  • Counterparty: BNP Paribas
  • Term: Up to 8 Years

With the current record low interest rate environment, income is high up on the agenda for many investors and so the ability to receive 6.0% per year even if the FTSE falls by up to 15%, is certainly worth a closer look.

Important: 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.

  • Potential quarterly income: 1.5% (equivalent to 6.0% annually)
  • Income paid even if FTSE 100 falls by 15%
  • Alternative option also available returning up to 5.5% pa if the FTSE doesn't drop by more than 20%
  • Potential to kick out quarterly from year 2 onwards
  • Available for ISA, ISA transfers and direct investments
  • Capital is at risk if the FTSE 100 Index has fallen by more than 35% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £5,000
  • An arrangement fee applies to this plan
  • If you withdraw your money during the plan you may get back less than you originally invested

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.

Important Risk Information:

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.

High Income ISAs

High income ISA ideas:

ISAs Products

Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

5 Considerations for Your Next Investment ISA

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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