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Scottish Friendly ISA

Tax FREE Saving From £10pm

Investment ISAs put your capital at risk & you may get back less than you originally invested

Selected ISAs

MoneyBuilder With Profits Fund

from Scottish Friendly

ISA Option
Allows ISA Transfers
Regular Savings
  • Term: 10 years+
  • Fund Choice: Unitised With Profits Fund
  • Invest From: £10 pm
  • Investment Options: Your money will be invested in a My MoneyBuilder policy within a Scottish Friendly ISA which will invest in the Scottish Friendly Unitised With-Profits fund which may include stock market, property, cash and bond assets.

Important Information: You should consider this as an investment for a period of at least five years and ideally 10. The value of your investments can fall as well as rise and you could get back less than you have paid in. If you cash in the plan before the end of 5 years there will be a £50 deduction from your cash-in value.

Junior ISAs

Junior Stocks & Shares ISA

from Scottish Friendly

Regular Savings
  • Invest From: £10 pm
  • Investment Options: A selection of 9 funds so you can tailor your child's investment. Capital at risk.

Compare Scottish Friendly ISAs

Scottish Friendly ISAs are available to UK investors where you can invest from £10 pm. 

Scottish Friendly offer investment ISA plans for adults and children with current offers available in the table above.

Are you investing for yourself or a child?

If investing for a child under 18 Scottish Friendly offer a Junior ISA. Opening a Junior ISA for a newborn child, means you will have lots of time to see your savings or investment grow as the ISA account does not become the property of the child until their 18th birthday.

Junior ISAs, like their adult counterparts, also come in Cash and Investment versions so you need to decide which type is right for your child.

With Scottish Friendly, you have the option of opening an adult Investment ISA in your own name after which you could open an additional ISA in a child's or grandchild’s name. As long as you remain within your annual ISA allowance, you can open as many  ISAs as you like. By using your own ISA allowance, this could give you more control over your child’s investment than a Junior ISA which belongs to the child.

What is your attitude to investment risk?

Cash ISAs are traditionally viewed as a 'risk-free' option and while the balance of your account will never decrease if you do not take withdrawals over a longer period of time, the reality is that with inflation running currently at 0.6% pa (as at July 2016) the real value of your money is at risk. The value of a pound today is not the same as the value of a pound in 10 years time!

With an investment ISA  the risk that you are taking on really depends on the type of investment you are getting into. Scottish Friendly offer a broad range of risk rated funds, ranging from With Profits which can offer capital guarantees at the lower end of the risk scale, to stock market funds where your money can rise or fall in line with the markets.

As a general rule of thumb the higher the potential risk, the higher the potential reward. Again risk is generally reduced with investments in relation to the amount of time you are willing to leave your money before withdrawing it, although you can get back less than you've paid in.

Why Scottish Friendly

Scottish Friendly was established back in 1862 and is a dynamic award-winning financial services company providing a wide range of investment plans and services. They currently look after more than £2.8 Billion of funds under management (as at 31/12/18) and have over a million policyholders. Of course, their history or size is no guide to the future.

Scottish Friendly is a member of the Association of Financial Mutuals (AFM). Mutual insurers only work for their customers and not external shareholders. So when you invest with them, you'll be sharing in the success of Scottish Friendly.

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.

Lifetime ISAs

Save for your first home and retirement

Compare Lifetime ISAs

Junior ISAs

Invest for your child’s future

Compare Junior ISAs: 

Stocks & Shares ISAs

Invest tax-free in stocks and shares 

Compare 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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