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Principality ISA

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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.

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:

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Cash ISAs

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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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