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RBS Stocks and Shares ISA

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Deposit Cash ISAs

The Callable Deposit Plan

from IDAD

ISA Option
Maximum Potential Return 8.00% pa or 2.5 x FTSE growth
  • Deposit Taker: Goldman Sachs International Bank
  • Term: Up to 7 years

Why we like it: The previous issue of this plan had already proved popular - this latest release offers the potential for 8.0% p.a. interest, along with the same capital protection you would get with a traditional cash deposit.”

  • Plan can be ended early by Deposit Taker
  • 2% per quarter (8% pa) if plan ends early
  • 2.5 x FTSE 100 Index growth if plan runs full term
  • Capital protected product*
  • Eligible for the Financial Services Compensation Scheme (FSCS)
  • If plan runs full term returns not guaranteed. You may only receive a return of your original capital
  • Minimum investment £10,000
  • If you withdraw your money during the plan you may get back less than you originally invested

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Important Information: * The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money. Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.

Junior ISAs

One Family Ethical Junior ISA

from OneFamily

Regular Savings
  • Investment Options: From £10 a month

Apply online and receive a £30 Amazon e-voucher (T&C’s apply – see OneFamily website for details). Fully managed investment fund - Family Charities Ethical Trust Fund, which only buys shares in companies with a responsible outlook on social, ethical and environmental issues. You choose how much you want to pay in, and when. From £10 to £355 a month up to £4,368 in the 2019/20 tax year. Easy to manage: 24/7 Online Account Management and a friendly UK based call centre. Transfers from cash or stocks and shares Junior ISAs or exisiting child trust funds accepted, with a value of at least £500. Winner of the 2016 Moneyfacts Award for Best Junior ISA Provider.

RBS Stocks and Shares ISA

RBS do not currently offer Stocks and Shares ISA but do offer a range of other options for investing and savings, including a number of Cash ISAs.

Choosing an investment ISA

An investment ISA is a great way to put away some extra money in a tax-efficient way. You can invest anything up to the tax threshold for that year and spread it across a Cash, Stocks and Shares and Innovative Finance ISA or consolidated within one account.

You can only fund one stocks and shares ISA per tax year but as all providers must allow you to move your money you will be able to transfer. It’s worth checking if your current provider charges penalties as you could receive back less than you originally invested.

Realistically, Stocks and Shares ISAs have the potential to provide better returns than a Cash ISA but customers must be prepared for the risk element that is involved as your money could lose value depending on how the market performs

About Stocks and Shares ISAs

Although this type of account is not normally an investment in its own right,it does provide you with a platform to invest from. An investment ISA can hold money in order to invest in qualifying sources such as government bonds and corporate bonds as well as shares and stocks.

They are generally available as either self-select ISAs that allow you to invest directly into stocks and shares or as collective investment schemes. Stocks & shares ISAs are referred to as ‘tax-efficient’ wrappers, as there is no capital gains tax to be paid on gains made on investments held within the ISA wrapper, although dividends do incur 10% income tax at source.

Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

High Income ISAs

High income ISA ideas:

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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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