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Northern Rock 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.

Northern Rock ISA

Northern Rock ISAs are not currently available following its acquisition by Virgin Money. You may therefore be interested in a Virgin Money ISA however there is a range of providers of Individual Savings Accounts, whether you are looking for a; Cash ISA, Stocks & Shares ISA or both. You can use the comparison table above to view different kinds of ISA from a selection of providers.

ISA Guide

In order to be eligible for a UK ISA you need to be:

  • Aged 16 or over for a cash ISA.
  • Aged 18 or over for a stocks and shares ISA.
  • A resident of the United Kingdom.
  • If you don’t live in the UK then you need to be a Crown Servant or their spouse/civil partner.
  • You can open a Junior ISA for someone under 18 who you have parental responsibility for.

Each eligible person has an annual ISA allowance, which is the maximum amount of money you can put into an ISA to receive tax benefits on. There are two distinct types of ISA Cash ISAs and Stocks & Shares ISA. The rules allow you to open a maximum of up to one of each kind of ISA each year, if you do decide to open both a Cash ISA and a Stocks & Shares ISA then you will need to break up your allowance between the two accounts as it stays the same, this does not however have to be a 50/50 split, you can do so at whatever ratio you want as long as you do not exceed your maximum allowance.

  • Cash ISAs – are a kind of savings account where up to your maximum allowance any interest that accumulates on your savings is paid tax free. There are a range of different Cash ISA products available depending on how much access you would like to maintain to your saving over the ISA’s term.
  • Stocks & Shares ISAs – Are a tax-efficient investment account you can use to invest in various products such as corporate and government bonds as well as stocks and shares. Up to you maximum allowance you do not have to pay any Capital Gains Tax or Income tax on made on profits made through your investments increasing in value, dividends however will still be taxed. It is important to remember that if the products you invest in decrease in value you could get back less money than you originally put in. There are different types of Stocks & Shares ISAs will offer you a choice of managed funds to invest in, others will let you directly pick what stocks and shares you invest in.
  • Junior ISAs – Are a kind of ISA designed to save for a young person’s future; there are both Junior Cash ISAs and Junior Stocks & Shares ISAs. The money in these types of account is locked away until the 18th birthday of the young person at which point it rolls over to a normal ISA in their name.

ISA Transfers

It is possible to transfer an ISA to another, either with the same or a different provider. However you may incur an interest penalty for doing so. 

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

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.