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Scottish Widows 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.

Scottish Widows ISA

If you’re looking for a Stocks & Shares ISA, Cash ISA or both, a Scottish Widows ISA plan could be right for you. However to get the most out of your maximum allowance it is a good idea to shop around to make sure you find the top deal for the way you want to save or invest, you can use the table below to view a selection of ISA plans from different providers and click on the links to find out more:

  • Scottish Widows Bank Cash E-ISA – Offers savers a variable rate of interest, with a choice of interest payments being paid annually or biannually. With a minimum balance of £10 savers can make withdrawals with no notice period or charges.
  • Scottish Widows Stocks & Shares ISA – Savers must be able make a regular investment of £50 per month or a single payment of £1,000. Offers a choice of managed investment funds you can select based on your attitude towards risk.

ISA Guide

There are two principle kinds of ISA available: Cash ISAs and Stocks & Shares ISAs, which differ considerably from each other. ISA rules permit each eligible saver to open up to a maximum of one of each kind of ISA each tax year, although you can open just one or the other if you prefer. If you do opt to open both kinds of ISA, then you will need to divide your maximum allowance between the two as it stays the same. You can do so at any ratio you like as long as you do not exceed your maximum allowance.

  • Cash ISAs – Are a kind of savings account, however up to your maximum allowance interest is paid tax-free. Cash ISA providers may offer a selection of different kinds of account such as Fixed Rate, Easy Access and Instant Access, depending on how much access you require to your savings.
  • Stocks & Shares ISAs – Are a type of tax efficient investment account, that allow you invest in other financial products such as bonds, gilts, stocks and funds. It is important to remember that these are at risk products, so if the value of the investments decreases you can get back less than you originally invested. Providers may offer Self Select plans that allow you to directly pick which stocks and shares you invest in and others where you get a choice of managed funds to invest in based on your attitude to risk. Stocks and Shares ISAs do not have any capital gains or UK income tax on profits on your investments however you will still be charged tax on dividends.

ISA Transfers

It is possible to transfer an ISA from one provider to another, however some accounts will charge an interest penalty for doing so, this means that while it can be a good idea to shop around to see if you can find a better deal, before you move you should factor in any interest penalty you might incur to see if you would actually be better off. 

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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