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Sun Life 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.

Sun Life ISA

Sun Life currently offer a Stocks & Shares ISA, however before you take out any kind of ISA, it is a good idea to shop around providers to try and find the product that fits your needs best, so you can try to get the most out of your annual allowance. You can use the comparison table above to compare different kinds of ISAs from a selection of providers which might help you decide which is best for you:

  • Sun Life My Smarter ISA – options to invest one off deposit of £100 or more; make monthly deposits of £10 or more or a combination of both. Money invested into Scottish Friendly’s With-Profits Fund.

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 types of Individual Savings Account: Cash ISAs and Stocks & Shares ISAs. ISA rules set an allowance which is the maximum amount a saver may pay into an ISA in a tax year; you are allowed to open a maximum of one of each type of ISA each tax year. However if you do opt to open both kinds then you will have to break up your ISA allowance between the two accounts so you do not exceed it.

  • Cash ISAs – Are a kind of savings account, however the interest that accumulates on your savings is paid tax-free up to the maximum allowance. There are a variety of different kinds of Cash ISA plan available such as; Fixed Rate, Notice and Instant Access depending how easily you would like to be able to access your savings during the ISA’s term should you need to.
  • Stocks & Shares ISA – Are a kind of tax-efficient investment account you can use to put money into various products such as; bonds and gilts as well as stocks and shares. Some of these kinds of ISA are known as self-select plans which allow you to directly pick which stocks and shares you invest in, others put your money into a managed fund, some providers may offer a choice of managed funds. Up to your maximum allowance you do not have to pay any Capital Gains Tax or Income Tax on profits made from value increases of your investments, you do however have to pay tax on dividends.

ISA Transfers:

It is possible to transfer an ISA to a different product, either with the same or a different provider. Some accounts may impose a interest penalty for doing so. This means that while it can sometimes be beneficial to move, before transferring you should first check to make sure that any penalty you may incur would not negate the potential benefit of moving. 

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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