ISAs - INVESTMENT ISA

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Please see a list of Investment ISA providers below. Use the chart to compare the main features of each provider and consider questions like what is your risk appetite? What is the fund risk? What is the annual charge and what is the past performance? Each tax year (6th April to the following 5th April) you can invest up to £15,240 in a Stocks and Shares ISA. You can put money into one cash ISA and one stocks and shares ISA each tax year. Subject to this overall limit, you can save up to £15,240 in one type of account or split the allowance across both types. It is always a good idea to speak to a financial advisor if you are thinking about taking out an Investment ISA. Investment ISAs are more suitable for people who are looking to invest their money for at least five years. Remember that the value of your investment can go down as well as up and past performance is not an indication of future performance. Click ‘More’ for more information or to make an online application.

Search Report: ALL      CASH ISA      Investment ISA

If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

PROVIDERTYPE

TYPE

ISA Type

AER

AER

Annual Equivalent Rate

PAID

PAID

How often ISA pays out

MIN

MIN

Minimum investment

MAX

MAX

Maximum investment

INITIAL FEE

INITIAL FEE

Initial start up fees

EXIT FEE

EXIT FEE

Exit fees

MANAGEMENT FEE

MANAGEMENT FEE

Magagement fees

NOTICE

NOTICE

Duration required to remove funds

PRODUCTS

PRODUCTS

Products were funds are invested

SUITABLE FOR

SUITABLE FOR

Who the fund is suitable for

TERMS

TERMS

Terms and conditions of the pension

MORE INFO

Scottish Friendly My Select
Scottish Friendly My Select

Investment ISAVaries on FundVaries on Fund£10 a month£15,240 per tax year£0£50£0Instant AccessProducts

Products

My Select ISA

Suitable For

Suitable For

If you want to plan for your future

Terms and Conditions

Terms

You can invest as much as you want provided your total investments in any year (with your Scottish Friendly ISA and/or a Cash ISA with another ISA manager) do not exceed £15,240.

Scottish Friendly My Select
Make your dreams come true with a Scottish Friendly My Select ISA. With a My Select (ISA) from Scottish Friendly you can start investing now for the future, whatever your dreams may be. Build a tax-free investment starting from as little as £10 per month. DETAIL INFORMATION >>Services

Services

Using your Investment ISA allowance (also known as a Stocks & Shares ISA) gives you greater flexibility with your investment compared to just maximising your Cash ISA allowance alone with another ISA manager.


Advantages

Advantages

1. Invest from only £10 a month, lump sums from just £100 or a combination of both using your tax-free Investment ISA allowance.
2. Once you have set up My Select (ISA), you can stop, restart, raise or lower your payments or your investments and cash in whenever you want.
3. Your money will be invested in a My Select policy within a Scottish Friendly ISA which will then invest in a choice of funds from Scottish Friendly including stock market and bond funds.


Disadvantages

Disadvantages

1. The value of your investment can go down as well as up, so you could get back less than you have paid in.
2. You should consider this a medium to long-term investment for a period of at least five years.
3. If you cash in the policy before the end of 5 years there will be a £50 deduction from your cash-in value.

Standard Life Easy Option ISA
Standard Life Easy Option ISA

Investment ISAVaries on FundYearly£50£15,240 per tax year£0£00.30% - 0.60%Instant AccessProducts

Products

You’ll get a cash account as part of your ISA so you can hold some or all of your £15,240 allowance in cash.

Suitable For

Suitable For

If you want to let award-winning experts manage your investments for you

Terms and Conditions

Terms

The experts will make sure that your fund doesn’t take any more or any less risk than it should. You need to make sure you regularly review your risk level to check the fund continues to match how much risk you’re prepared and able to take.

Standard Life Easy Option ISA
The Standard Life Easy Option ISA is a Stocks & Shares ISA that invests in one of the MyFolio Managed Funds. The funds are run by an award-winning team of experts at Standard Life Investments Ltd. If you're looking for an easy, tax-efficient way to invest for five years or more, this could be a good option for you. DETAIL INFORMATION >>Services

Services

Check in on your ISA as often as you like, using your laptop, tablet or mobile. View your latest statements, manage regular payments, top up and more.


Advantages

Advantages

1. Start investing from £50 a month or a £500 lump sum
2. Invest up to £15,240 in 2015/16 - tax-efficiently
3. Let award-winning experts manage your funds for you
4. It's easy to change your investments in the future. If you open our easy option ISA you can still choose funds from the do-it-yourself range if you want to.


Disadvantages

Disadvantages

1. The value of your fund can go up or down, and may be worth less than you paid in.

2. The charges for your ISA are a percentage of its value. As the value changes the amount you'll be charged changes.

Fidelity Flexible ISA
Fidelity Flexible ISA

Investment ISAVaries on FundAnnually£50 per month£15,240 per tax year£0£0£0Instant AccessProducts

Products

Choose from over 2,000 investment options in our fund supermarket

Suitable For

Suitable For

Long term saving

Terms and Conditions

Terms

Capital at risk. ISA eligibility applies. All tax rules may change. Fidelity Personal Investing does not give advice.

Fidelity Flexible ISA
Invest from as little as £50 a month, or a £1,000 lump sum. Easy fund selection for your ISA with Fidelity’s online guidance tools, helping you to pick funds. Capital at risk. ISA eligibility applies. All tax rules may change. Fidelity Personal Investing does not give advice. DETAIL INFORMATION >>Services

Services

Stocks and Shares ISA


Advantages

Advantages

1. One simple low-cost service fee of no more than 0.35%. Ongoing fund charges will apply.
2. 24/7 access – via our online Account Management system and mobile apps.
3. A wide choice – access to a wide range of investment options, as well as guidance tools which can help you pick funds.
4. Great service – we are committed to providing excellent customer service, from our UK-based contact centre to investment guidance on our website.  


Disadvantages

Disadvantages

1. Your investment could go down as well as up.

2. You might put in more money than you take out

Scottish Friendly My Loyalty Select
Scottish Friendly My Loyalty Select

Investment ISAVaries on FundVaries on Fund£10 pm£15,240 per tax year£0.00£50£0.00Instant AccessProducts

Products

My Loyalty Select (ISA) offers a choice of 8 funds so you can select the ones that suit your needs best.

Suitable For

Suitable For

A helping hand with those annual expenses.

Terms and Conditions

Terms

The value of your investment can go down as well as up, so you could get back less than you have paid in.

Scottish Friendly My Loyalty Select
A plan to help you save your hard earned money for the fun things in life. Start investing today and you could have a pot of money at your disposal every year after 5 to 10 years with the Scottish Friendly My Loyalty Select ISA. My Loyalty Select is an investment ISA - also known as a Stocks and Shares ISA.  DETAIL INFORMATION >>Services

Services

Each policy is flexible, and you can lower, raise, stop and restart your payments at any time – although if you’re aiming to grow your investment for a specific goal, stopping or lowering your payments means you’ll take longer to reach it.


Advantages

Advantages

1. You can invest as much as you want provided your total investments in any year (with your Scottish Friendly ISA and/or
a Cash ISA with another ISA manager) do not exceed £15,240.
2. You can invest monthly by Direct Debit or you can make a lump sum payment by single Direct Debit. The minimum monthly
payment is £10 and the minimum lump sum is £100.
3. You can stop, restart, raise or lower contributions whenever you like.
4. Your money will be invested in a My Select policy, which will be held within your Scottish Friendly ISA. Your money will be invested in
the fund or funds specified in your policy schedule and may change at your discretion over time. 
5. You have access to your money at all times, although you should expect to leave your money invested for at least 5 years.
6. If you wish, you can arrange for your payments to automatically increase by 2.5%, 5% or 10% each year. You can stop, increase
or reduce the rate of increase at any time.
7. There is no limit on the number of policies you can take out within your Scottish Friendly ISA provided you do not exceed
your annual ISA investment allowance of £15,240.


Disadvantages

Disadvantages

1. You should note that there will be a £50 deduction from your cash-in value if you cash in your initial My Loyalty Select (ISA) policy before the end of 5 years.

2. Because your investment is linked to the stock market, it’s impossible to tell you the exact return you may get in the future

nutmeg
nutmeg

Investment ISAVaries on FundAnnually£1,000£15,240 per tax yearfrom 0.1%£0.00Based on contributionsNo minimum investment periodProducts

Products

ISAS, Pensions

Suitable For

Suitable For

High risk saving - Potential for much higher returns compared to a cash ISA.

Terms and Conditions

Terms

For portfolios below £5,000, we also ask for minimum monthly contributions of £50.

nutmeg
You provide the information, and you get a portfolio which will be managed for you, diversifying your investments to avoid putting all your eggs in one basket. Experts monitor your portfolio, adjusting the asset allocation appropriately and rebalancing every month — at no extra cost. DETAIL INFORMATION >>Services

Services

Live chat, phone, and email support


Advantages

Advantages

1. TELL NUTMEG YOUR PREFERENCES
You tell them your goals, tolerance for risk and investment horizon.

2. THEY DO THE HARD WORK
They build you a fully diversified investment portfolio.

3. YOU GET PEACE OF MIND
They constantly monitor and rebalance your portfolio. Check in any time.

4. USE YOUR TAX BREAKS
You can start or transfer an ISA or Pension with Nutmeg.


Disadvantages

Disadvantages

1. A Stocks and Shares ISA may not be right for everyone and tax rules may change in the future.

2. You may not get back your initial investment - this is the case with all investment ISA's though.

Shepherds Friendly Stocks and Shares ISA
Shepherds Friendly Stocks and Shares ISA

Investment ISAVaries on FundAnnually£50 per month£15,240 per tax year£0£0£0Instant AccessProducts

Products

Stocks and Shares ISA

Suitable For

Suitable For

The aim of the Stocks and Shares ISA is to provide you with an increase in value on your investment via interest bonuses, as well a tax-free lump sum that you can access when you like.

Terms and Conditions

Terms

You can start saving from just £30 a month, and can add lump sums when you like

Shepherds Friendly Stocks and Shares ISA
Shepherds Friendly Stocks and Shares Individual Savings Account (ISA) is a tax-exempt savings account that allows you to save via monthly premiums or in lump sums whenever it suits you. Your money is invested primarily in stocks and shares, with the aim of improving the chances of higher returns on your investment over the long-term. DETAIL INFORMATION >>Services

Services

An increase to the value of the money you have invested over the medium to long term (5 years plus) by the addition of regular and final bonuses from the fund.


Advantages

Advantages

1. Save from £30 a month - You can start saving from just £30 a month, and can add lump sums when you like
2. Access Your Money - Access your money when you want. All we ask is that you leave at least £100 in your ISA
3. Combine With Cash - If you've already got a cash ISA, you can still open and save in a stocks and shares ISA too
4. Tax-Exempt Saving - Our ISA is tax-exempt, meaning your savings will not be affected by income or capital gains tax
5. Quick and Easy - Applying for our ISA is quick and easy, and the whole process can be completed online
6. Open Today - You can open an ISA with us as long as you don’t already have a stocks and shares ISA with another provider


Disadvantages

Disadvantages

1. The value of your ISA depends on the future performance of the investments held in the fund and the bonuses we distribute from any profits arising from these investments.
2. H M Revenue and Customs may change the tax status of an ISA in the future.
3. If you make regular withdrawals from the ISA at a higher level than the bonuses added you will erode the value of your investment. You should also be aware that inflation may  have an effect on the purchasing value of your investment in the future.
4. In poor investment conditions we may apply a Market Value Reduction (MVR) when you withdraw your investment and this could mean that you get back less than you have paid in.

Scottish Friendly My Fund Options
Scottish Friendly My Fund Options

Investment ISAVaries on FundVaries on Fund£10 a month£15,240 per tax year0%£50£05 yearsProducts

Products

Scottish Friendly Higher Fund, Scottish Friendly Lower Fund, Scottish Friendly Medium Fund

Suitable For

Suitable For

Putting a little away for me each month

Terms and Conditions

Terms

You must be over the age of 18 years old.

Scottish Friendly My Fund Options
Invest up to £15,240 a year for a comfortable future and with access to your money at all times. Tax-efficiency, flexibility and a choice of investment funds are some of many advantages. Begin now – you can start with as little as £10. You have the flexibility to raise or lower contributions if you like, when you like. Put away a little each month and see how your money could grow.  DETAIL INFORMATION >>Services

Services

Easy online application


Advantages

Advantages

1. Invest tax-free from just £10 a month using your Investment ISA allowance.
2. Once you have set up My Fund Options (ISA) you can cash in or raise, lower, stop and restart payments at any time.
3. You have a choice of 3 mixed funds, the Lower, Medium and Higher funds.
4. Each fund invests for long term growth in a combination which may include cash, government bonds, corporate bonds and stock market investments.
5. Your money will be invested in a My Options policy within a Scottish Friendly ISA which will invest in your choice of fund or funds.


Disadvantages

Disadvantages

1. The actual cash-in value of your My Options policy within a Scottish Friendly ISA will depend on the actual expenses and performance
of the fund(s) selected.
2. The value of your investment in the My Options policy can go down as well as up and therefore you could get back less than you
have invested.
3. If you cash in before the end of 5 years there will be a £50 deduction from your cash-in value.

Scottish Friendly My MoneyBuilder
Scottish Friendly My MoneyBuilder

Investment ISAVaries on FundVaries on Fund£10 a month£15,240 per tax year£0£50£0Instant AccessProducts

Products

My Moneybuilder

Suitable For

Suitable For

The My MoneyBuilder policy within your Scottish Friendly ISA is for investors wanting to invest monthly with a minimum intended term of at least 5 years in an arrangement that offers investment growth potential and a degree of security but where you should also be prepared to accept a degree of risk

Terms and Conditions

Terms

You are entitled to have one Cash ISA and one Investment ISA in each tax year. You can have your Cash ISA with one plan manager and your Investment ISA with another if you wish.

Scottish Friendly My MoneyBuilder
Looking to put money aside for the future? Maybe towards a honeymoon, a new house or simply for that rainy day? My MoneyBuilder (ISA) from Scottish Friendly is a tax-free investment available to any UK resident aged 18 or over and is designed to get you into a monthly habit with payments starting from just £10 a month. DETAIL INFORMATION >>Services

Services

My MoneyBuilder (ISA) puts you in control because once you have set up a policy you can start, stop, raise or lower your payments whenever you like. So if you need to take a break in your payments or put in a little more when times are good that’s no problem. You also have instant access to your money should you ever need it. Whatever suits you and your circumstances best.


Advantages

Advantages

1. Invest from only £10 a month using your tax-free New Investment ISA allowance.
2. Once you have set up My MoneyBuilder (ISA), you can stop, restart, raise or lower your payments and cash in whenever you want.
3. Provided you haven't made any withdrawals, on the 10th anniversary of the start date of your investment you are guaranteed to get back at least 95% of the payments you make into your plan.
4. 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.


Disadvantages

Disadvantages

1. 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.
2. When you cash in or take a withdrawal from your investment, your unit value may either be increased by a final bonus or reduced by a market value reduction to bring it into line with the performance of the assets within the With-Profits fund.
3. Making a withdrawal will reduce your guaranteed minimum cash sum.

If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

Compare Investment ISA

What is an Investment ISA?

There are two types of Individual Savings Accounts (ISA) – cash ISA and stocks and shares ISA. With a stocks and shares ISA, or an investment ISA, you do not need to pay tax on any income or capital gains you have made. Stocks and shares ISAs offer greater potential of higher returns on your investment than compared to cash ISAs, but only if you are willing to take on higher risk with your savings. Investment ISAs allows you to put money into a range of different funds, including investment trusts, investment companies, unit trusts, government bonds and corporate bonds. In addition you can buy company shares and put them into your cash ISA. Be prepared though – your investment can go down as well as up in value so there is a much higher risk with investment ISAs.

How old do I need to be to invest in an ISA?

You must be at least 18 years old to open an investment ISA, however, it is worth noting that to invest in a cash ISA you normally need to be 16 years old. When researching which ISA is best to invest your money it is worth thinking about your age. How long are you planning to invest your money? How much risk are you willing to take? How much money are you planning to invest?

How much does it cost to invest in an Investment ISA?

Unlike a cash ISA, there are usually fees and charges associated with investment ISAs. The main reason for this is that the administration to the provider is greater than with a cash ISA. The majority of providers will charge you an initial deposit fee which is used to cover the costs of buying the shares. This will vary depending on the provider, you can use the comparison grid to get an idea if how these vary. In addition to the deposit fee, you will be charged an annual maintenance fee which is taken from your profits. When choosing which investment ISA to take out it is worth taking note of these two fees so you can choose the most competitive.

What are the tax benefits of a stocks and shares ISA?

There are three main tax advantages to stocks and shares ISAs.

You pay no tax on profits – you will not have to pay any capital gains tax on the profits you make from your investment. Ordinarily you could be charged tax at 18% for basic rate tax payers or 28% for higher rate tax payers so you will make a good saving here.

You pay no tax on interest earned on bonds – you get to keep all the interest earned on the bonds.

Income earned is taxed at 10% - the income you earn from any shares investment will be taxed at 10%. If you are a higher rate tax payer then this is a big advantage.

What is the risk?

Bear in mind the fees and charges associated with a stocks and shares ISA and remember that your investment can go up as well as down. Consider the risk before you commit your money into an investment ISA.

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