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Principality ISA

Compare a selection of ISAs from different providers.
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Stocks & Shares ISA

from Moneyfarm

ISA Option
Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Choose your risk profile and have it matched to an investment portfolio expertly built and managed
  • Invest From: £1,500

Why we like it: Answer questions about your goals, financial situation and attitude to risk, and Moneyfarm will recommend the right ISA portfolio for you, built and managed by experts to help your money grow. You’ll always be invested in a portfolio that’s suitable for you, and you can manage this through the Advice Centre. See what you’re invested in, how you’re performing and how much you’re paying anywhere and any time with the Moneyfarm app. Add money to your ISA by setting up a direct debit, investing a lump-sum, or by transferring old ISAs for free

Investment Fund Supermarket ISAs

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.

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.

Investment Growth Plan ISAs

FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 9.10% per annum
  • Counterparty: Investec Bank plc
  • Term: Up to 6 years

Kick out plans seem to attract particular interest when markets are repetitively flat since they can provide competitive returns even if the FTSE stays relatively flat with the potential for 9.1% annual growth.

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.

  • 9.1% 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.

Principality ISA

There are many providers of ISAs so it can be hard to decide how you want to save up to your maximum allowance each tax year. Whether you are looking to take out a Cash ISA, a Stocks and Shares ISA or one of each, shopping around can be a good idea. So in addition to checking what a Principality ISA could offer you, you may want to look at other providers. You can use the table above to view a selection of ISAs from different providers:

  • Principality Cash ISAs: Principality has a selection of; E-ISAs, variable rate ISAs and fixed rate ISAs so however you want to say they may have a product that fits your needs.
  • Principality Stocks & Shares ISAs: Principality does offer this kind of ISA but only through their branches, so you would need to book an appointment with a Principality consultant to find out about these products.

Types of ISA

It is a good idea to shop around before taking out an ISA to make sure you get the plan which will work best for your saving and investing needs. You should also make sure you understand all of the particular features of that product. In the UK there are two types of ISA commonly available Cash ISAs and Stocks & Shares ISAs, each year you can operate up to one of each account. However your maximum allowance stays the same, which means if you decide to open both types of Individual Savings Account, then you will need to break up your allowance between the two.

  • Cash ISA – Are basically the same as any savings account offered by a bank or building society, however the interest you earn on an ISA is paid tax-free up to your maximum allowance. There are different kinds of Cash ISA such as ones with variable rates, which often allow you to make unlimited penalty free withdrawals, or ones that offer a fixed rate of interest in return for locking your money away without access for a predefined period of time.
  • Stocks & Shares ISA – Is a type of investment account, so you do not earn interest on it itself, rather it provides a tax-efficient wrapper to invest in products like corporate and government bonds as well as shares and stocks. Some types of stocks and shares allow you to directly self select the products you invest in, others operate as a collective investment scheme. While you still have to pay tax on dividends, you will not be charged capital gains or income tax on your investments within the ISA up to your maximum amount.
  • Junior ISA – Junior ISAs are a type of saving product offered for young people, they can be opened by a saver when aged between 16 and 18 or they can be opened by someone with parental responsibility when the child is at any age. There are both Stocks and Shares and Cash JISAs available. The money held within this kind of account is locked away until the child turns 18.

ISA Transfers

It's possible to transfer your ISAs from one provider to another or from one ISA to another ISA with the same provider. However they may impose a interest penalty for doing so, this means it is worthwhile checking around to see if you could receive a better rate, but when you do so you should check to ensure, that if you would incur a penalty with your current arrangements that you would not actually be better off staying put. 

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 do Investment ISAs work?

9th July 2020

For those looking to make the most of their 2020/2021 ISA allowance, the more attractive rates offered by Investment ISAs are very appealing. So, if you want to put your money into a tax-free wrapper which also gains interest on investments, a Stocks and Shares ISA is the way to go. But how do Investment ISAs work?

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