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Scottish Widows Stocks and Shares ISA

The Very Latest Stocks and Shares ISA rates

The current ISA allowance is £20,000. Use our Stocks and Shares ISA tables below to compare a selection of market-leading ISAs .

Investment Fund Supermarket ISAs

ii ACE 30 investments

from Interactive Investor

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 30 Ethical Investments
  • Invest From: £25 pm or £100 single

Why we like it: The UK's first rated list of ethical investments to help you align investments with your personal values. Building your investment portfolio can be tough – and it is even more difficult when you want to choose ethical investments. That can mean a lot of research. The ii ACE 30 makes the job easier for you.Interactive Investor have selected 30 funds, investment trusts and ETFs that they believe offer high-quality choices, across a broad variety of markets.

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.

Stocks & Shares ISA

from Fidelity

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 2,000+ Funds
  • Invest From: £50pm

Why we like it: Invest from as little as £50 a month or with a £1,000 lump sum. Investment choice from over 100 fund providers, giving you access to 2,000+ funds. One low-cost service fee of 0.35%*. Great service – from investment guidance on website through to UK-based phones team. PathFinder, Select 50, Investment Finder - investing tools for beginners to advanced investors. 24/7 access via online Account Management system.

* depending on how much you have invested

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.

Selected ISAs

Stocks & Shares ISA

from Moneyfarm

ISA Option
Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Choose your risk profile and have it matched to an investment portfolio expertly built and managed
  • Invest From: £1,500

Why we like it: Answer questions about your goals, financial situation and attitude to risk, and Moneyfarm will recommend the right ISA portfolio for you, built and managed by experts to help your money grow. You’ll always be invested in a portfolio that’s suitable for you, and you can manage this through the Advice Centre. See what you’re invested in, how you’re performing and how much you’re paying anywhere and any time with the Moneyfarm app. Add money to your ISA by setting up a direct debit, investing a lump-sum, or by transferring old ISAs for free

Stocks & Shares ISA

from Wealthify

ISA Option
Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Choose your risk profile and have an investment Plan built and managed for you
  • Invest From: No minimum

Why we like it: Choose your level of risk from cautious to adventurous and have a plan expertly created and managed for you. Create multiple plans with different risk levels, Ethical plans also available. Invest as little or much as you like, add regular payments and top up whenever you like. Withdraw money or transfer out without notice or penalty fees. Wealthify app lets you check how your Plan is performing, manage your transactions and provide investment news and insights. Simple annual management charge of 0.6%

Deposit Cash ISAs

The Callable Deposit Plan

from IDAD

ISA Option
Maximum Potential Return 10.00% pa or 2 x FTSE growth
  • Deposit Taker: Goldman Sachs International Bank
  • Term: Up to 8 years

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

  • Plan can be ended early by Deposit Taker
  • 2.5% per quarter (10% pa) if plan ends early
  • 2 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

Important Information: * The return of your initial deposit depends on the ability of the deposit taker (Goldman Sachs) 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.

Scottish Widows Stocks and Shares ISA

Scottish Widows plc is a life, pensions and investment company located in Edinburgh, Scotland, and is a subsidiary of Lloyds Banking Group. Its product range includes life assurance, pensions, investments and savings.

Why Choose a Stocks and Shares ISA?

Whether you’re looking to put aside some money each month or have some spare money which you’d like to do something with, an investment ISA could be a tax-efficient way for you to do that.

You are able to invest anything up to the tax threshold for that year and choose to have it spread across a Cash, Stocks and Shares and Innovative Finance ISA or consolidated within one account.

As you can only fund one Stocks and Shares ISA per tax year it’s a good idea to shop around before you make your choice. However, as all providers must allow you to move your money you are able to transfer but it’s worth checking if your current provider charges penalties. Otherwise you could receive back less than you originally invested.

Generally, Stocks and Shares ISAs have the potential to provide better returns than a savings account but customers must be prepared for the risks that are always present with investing. There is a chance you could end up with less than you invested depending on market growth.

Scottish Widows Stocks and Shares ISA Review

  • Invest using single or monthly payments
  • The minimum investment for monthly payments is £10 per fund subject to a minimum application of £50
  • The minimum single payment you can invest is £1,000 for each application (or £500 per fund if you choose to invest in more than one fund)
  • There is no minimum or maximum investment period and you can access your investment at any time, however, they recommend that you invest for at least 5 years to see returns
  • They currently offer 13 funds for direct applications by post
  • You can choose to invest in one, or spread your investment across funds with varying degrees of risk
  • There are maximum investment limits each year as per the tax-allowance limit.

Income or growth?

Sottish Widows help you to choose whether you would like to invest in a fund aiming for income or growth or a combination of both. This is great for people new to investing as they are provided with options fully tailored to them in terms of risk and target.

Income

This fund aims to provide you with a regular income from your investments

You can also select Accumulation shares if you wish to have any income added to the value of the fund

You can only select income shares if you invest a single payment

Growth

This fund which aims to build up an investment for your future

This option offers Accumulation shares which retain any income earned by the shares within the fund and this is reflected in the value of the shares

Combined Income and Growth

These funds offer both Income and Accumulation shares

Overall, Scottish Widows offer a tailored service which helps you strive towards a pre-decided goal. This accountmay not be suitable for people who would like access to more investments as they only offer a small selection or those who wish to manage their account online.

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

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Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

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