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Alliance Trust ISA

Investment Fund Supermarket ISAs

Click & Invest Stocks & Shares ISA

from Investec Click & Invest

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: Managed Portfolios
  • Invest From: £2,500

Why we like it: In a nutshell this service helps make your ISA money work harder! Investec Click & Investis an online investment service that aims to make actively managed, globally diversified investment portfolios accessible to a wider audience. Everyone deserves harder working money, and Click & Invest’s goal is to make a positive difference to more financial futures. Their experts build and manage investment portfolios from £2,500 online, intelligently blending expertise with high-quality service. With a £2,500 minimum investment, Click & Invest aims to deliver an exceptional service for a straightforward fee. They offer both stocks and shares ISAs and general investment accounts, with a seamless online experience, with dedicated 24/7 support available. Capital at risk.More info...

Interative Investor Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 40,000+ UK and global investments
  • Invest From: £25 pm or £100 single

Why we like it: An award-winning ISA that gives you complete control. The second largest platform in the UK with the widest choice of investment options in the market including funds, investment trusts, ETF’s and more. Open online in less than 10 minutes. Access to expert independent ideas and analysis. Low cost fees and trading. Capital at risk

Investment Growth Plan ISAs

FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 10.25% per annum
  • Counterparty: Investec Bank plc
  • Term: Up to 6 years

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 10.25% annual growth.

  • 10.25% 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.

Alliance Trust ISA

Alliance Trust PLC is an investment and financial services company that offer the Alliance Trust ISA. Established in 1888, Alliance Trust is headquartered in Dundee; it is one of the largest public companies based in Scotland and is a member of the FTSE 250 Index.

About Stocks and Shares ISAs

Stocks and shares ISAs, also known as investment ISAs are a kind of Individual savings account that provides a tax-efficient wrapper that allow the account holder to put up to their maximum annual ISA allowance into various types of qualifying investments, which can include: the stock market, unit trusts as well as government and corporate bonds.

The ISA provides a tax-efficient wrapper for investments within it, meaning that any gains made from investments are not subject to Capital Gains Tax (CGT). Dividends incur a 10% Income Tax reduction at source but there is not further income tax to pay upon them.

As Stocks and Shares ISAs involve a level of risk, it is important to remember that the value of investments can go down as well as up and as such you can get less than you originally invested.

Choosing a Stocks and Shares ISA

Investment ISAs are offered by a range of different providers. It may therefore be wise to shop around different providers before opening account to find one that best fits how you want to invest. Remember that you can only open one investment ISA in each tax year; however you may be able to transfer to another provider.

You can use the table on this website to compare different kinds of ISAs from a selection of providers and click on the links to find out more information or apply.

Other types of ISA

Cash ISAs are another distinct category of ISAs, which are more like traditional savings accounts offered by banks and building societies. With a Cash ISA the money deposited in the account accumulates interest, usually at fixed or varied interest rate. The key difference however is that this interest is paid tax free.

You are permitted to open both a new Investment and ISA and Cash ISA within the same tax year. However, if you opt to open both accounts you will need to break up your overall ISA allowance so as not to exceed it, this can be done at a ratio of your choice.

Eligibility

The eligibility criteria for an investment ISA requires that account holders are:

  • At least 18 years old.
  • And are a resident of the United Kingdom, or a Crown Servant or the spouse/civil partner of one if you do not live in the UK.

Providers may implement their own specific requirements for one of their ISAs however such as a minimum opening deposit.

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.

High Income ISAs

High income ISA ideas:

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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

How much can I pay into an ISA?

21st March 2019

Each tax year, there's a limit set by the government to the amount you can save and invest in ISAs: your “annual ISA allowance”. The allowances are intended to reward savers and encourage us to invest more to support our future retirements, without creating a tax haven that can be taken advantage of by very wealthy individuals who just want to avoid paying tax.

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Jen

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.