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HSBC ISA

HSBC ISAs - Compare ISAs from different providers to find the best way to make the most out of your allowance!

 HSBC ISA

ISAs present savers with a tax-free or tax-efficient way of saving their capital. You might therefore be wondering what HSBC ISA options are currently available. HSBC have a selection of both Cash ISAs and Stocks & Shares ISAs. However before you decide if they are right for you or not you could shop around to compare the market to try and make sure you find the best deal. You can use the comparison table below to view a selection of the top, best buys and click the links to apply online:

 

  • HSBC Cash ISAs – The HSBC Loyalty Cash ISA offers you instant access to your funds with no charge for withdrawals. Interest will be paid at a variable rate, and you can make monthly payments or a lump sum deposit.

 

  • HSBC Stocks and Shares ISAs – HSBC offer a selection of stocks & shares ISA; World Selection allows you the choice of investing in a ready-made portfolio managed by HSBC with a selection of options you can select based on your personal attitude towards risk. They also offer the Global Investment Centre and the InvestDirect/InvestDirect Plus ISA plans which allow you to build and manage your own portfolios.

 

Types of ISA

There are two different distinct types of Individual Savings Account; Cash ISAs and Stocks & Shares ISAs. You can only have one of each kind of ISA each year, and if you decide to open both kinds of account your allowance stays the same you will need to break it up as you see fit between the two accounts.

 

  • Cash ISAs:  With this kind of ISA money you deposit into the account accumulates interest much like any other savings account; however the interest will be free of tax up to your personal allowance.  Providers may offer you different kinds of Cash ISA such as, Fixed term, Easy Access and Instant Access. Generally speaking accounts that offer more restricted access to your money offer better interest rates.

 

  • Stocks & Shares ISAs: This type of ISA is not an investment in its own right, rather they are an account you can use to invest in other products with such as, shares or government bonds. They are generally available as either self-select ISAs that allow you to invest directly into stocks and shares or as collective investment schemes. It is important to remember with this kind of option your capital is at risk, as the investments you make could go down as well as up in value, so you could get back less than the amount you originally put into the account. A stock & shares ISA is considered a ‘tax-efficient’ account, as although you still have to pay tax on dividends earned you do not have to pay CGT or income tax up to your maximum annual allowance.

  • Special Junior ISAs of both kinds are also available for investors under 18 years old.

 

Transferring an ISA

All ISA providers have to allow you to transfer your ISA to another provider. However there is no legal requirement for a provider to allow you to transfer-in from another provider. Some providers of ISAs will also place an interest penalty for transferring away. It is important to check when shopping around for the best deal to see if you would be better off staying with your current provider once you factor in any penalty for transferring. 

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

Investment ISA Pros and Cons

7th August 2020

The tax-free returns offered by an Investment ISA (otherwise known as a Stocks and Shares ISA) can be very tempting at first glance - however, as with any investment, it is important to weigh up the pros and cons. So we've put together a list of what you need to consider before opening your own Stocks and Shares ISA account. 

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