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Royal London ISA

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Ethical ISAs

Sustainable Leaders

from Royal London

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: companies that are likely to benefit from measures taken to improve the environment, human welfare and quality of life.
  • Invest From: £25 a month or any lump sum
  • Investment Options: The core of the investment portfolio consists of shares in companies involved wholly or in part in the manufacture of products, industrial processes or the provision of services associated with improving the environment and the enhancement of human health and safety.

Why we like it: A consistent performer this popular £1.7bn fund run by triple A Citywire rated fund manager Mike Fox works on a “best ideas” basis with 40 to 50 company holdings . The fund applies both negative and positive screening. Sectors considered more favourably include healthcare and technology, whereas areas such as commodities are generally avoided. There is also a focus on long-term themes and trends such as infrastructure and changing demographics. The fund has reasonable ongoing charges of 0.76% pa for an actively managed fund.

This fund is available via: Interactive Investor investment platform »

Important: Please remember the value of your investment and any income from it may fall as well as rise and is not guaranteed. You may get back less than you invest.

Royal London ISA

Royal London currently offer a Stocks and Shares Investment ISA and Unit Trusts, whatever kind of ISA you are looking for its a good idea to shop around providers first to find the top deal for the product that best fits your needs. 

You can use the comparison table above to compare ISAs of different kinds from various providers:

Royal London Investment ISA 

Allows you to invest in a choice of funds. Minimum deposit of at least £1,000 then to invest at least £100 on each occasion that you wish to top up the investment ISA.

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.

There are two categories of UK ISA: Cash ISAs and Stocks & Shares ISAs, ISA rules allow each eligible person to open up to a maximum of one of each kind of ISA each tax year. 

The ISA allowance is the limit to the amount each saver can deposit into an ISA each tax year, this amount stays the same so if you opt to open a Cash ISA and Stocks & Shares ISA you will need to divide the allowance between the two accounts, this can be done so at ratio of your choice as long as you do not exceed the limit.

  • Cash ISAs – Are a kind of investment account that, up to your maximum allowance, pays savers interest tax-free. There are different sorts of Cash ISA product offered by various Banks and Building Societies, as well as other providers. Some kinds may include: Fixed Rate, Easy Access and Instant Access ISA.
  • Stocks & Shares ISAs – Are a kind of tax-efficient investment account that allows you to invest in various products such as corporate and government bonds as well as stocks and shares. With this kind of ISA you do not pay Capital Gains Tax or Income Tax on profits made from the increase in value of your investments, but you do pay tax on dividends. As you use this account to invest in capital-at-risk products, if the value of your investments decreases you can get back less than you originally put in, these are also not FCA protected.

Transferring ISAs

It is possible to transfer an Individual Savings Account to another ISA product, either with your current provider or a different one. Some ISAs may impose an interest penalty for doing so however; this means that while it can be beneficial sometimes to move, before you do so you should check that any penalty you would incur would not negate the potential benefit of moving to a different product. 

Three funds for a Stocks and Shares ISA

Stocks and Shares ISAs are a popular way for people to invest for their future.

If you’re looking for inspiration on where to invest your ISA this tax year, take a look at our latest investment ideas.

Download your copy to discover three funds, including:

  • A total return fund
  • A global income fund
  • A responsible investing fund

Click here to get your FREE guide from Hargreaves Lansdown »

Important Risk Information:

The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal 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

5 Considerations for Your Next Investment ISA

15th March 2021

You've decided to invest your savings into a Stocks and Shares ISA. You'll be using your tax-free ISA allowance for this year before the deadline, while also investing your money for your future. But what do you need to consider before opening an account? We've put together a list of our top five considerations for you to think about before you click "apply". 

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