Stocks &
Shares ISA.
Invest the easy way in a tax-free ISA.
Investing,
without tax.
ISAs are a popular way to invest tax-efficiently.
Stocks & Shares ISAs are seen as a sensible way to grow your money long-term - and can offer the chance of better returns than cash ISAs.
Your ISA 'vault'.
Think of your ISA like a vault. You can put any of the investment plans inside your ISA's 'vault'. Once in the vault, your money is sheltered from tax.
This means you do not have to pay income or capital gains tax on growth in your ISA. Your money has more potential to grow.
Time for change?
Transfer your ISA.
Not 100% happy with your current ISA?
You can transfer part or all of your current ISA to us.
All you need to do is fill in a few details. Then, we do the hard work for you.
Why pick an ISA.
Invest smart.
Use up to £20,000 of your annual ISA allowance.
Tax-free.
Invest your money without paying income or capital gains tax on growth.*
Save time.
Get started in minutes with three ready-made plans.
ISAs made simple.
FSCS protected.
Your money is protected up to £85,000 by the Financial Services Compensation Scheme (FSCS).
No fixed term.
Ask to withdraw at any time with no lock ins or fixed term.
Performance fee only.
Only be charged when your plan outperforms its target return.
Invest from £100.
Start investing from as little as £100 with no minimum monthely top-ups.
Three ready-made ISAs.
Targeting 3%
Cautious
The risk profile helps you work out if the plan fits your appetite for risk. We use industry-standard guidelines to set the risk profile of the plan.
Find out how we set our risk profiles.
Targeting 5%
Balanced
The risk profile helps you work out if the plan fits your appetite for risk. We use industry-standard guidelines to set the risk profile of the plan.
Find out how we set our risk profiles.
Targeting 7%
Adventurous
The risk profile helps you work out if the plan fits your appetite for risk. We use industry-standard guidelines to set the risk profile of the plan.
Find out how we set our risk profiles.
Frequently Asked Questions
An ISA, or Individual Savings Account, is a type of investment account.
ISAs are seen as an easy way to invest - both for new starters and experienced investors. Probably because they are quick to open, have consistent rules and are tax-efficient.
Unlike some other account types, ISAs allow you to invest tax-free. A Stocks & Shares ISA is an investment account where all capital gains and income are protected from tax.
Any UK resident over 18 years old can open a Stocks & Shares ISA.
We do not charge for opening an ISA with us. That means no setup or administration fees.
Most investments charge whether you make money or not. With us, you are only charged for performance.
You can top up your ISA by debit card through your dashboard.
Log in to your dashboard, select ‘Top up’ and follow the instructions. You can top your account from £1 at any time, with no lock-ins or monthly minimums.
Once you top up, it may take up to 3 working days to arrive in your account.
You can see pending transactions on your dashboard. We will notify you as soon as your top-up arrives.
In rare cases, it may take up to 5 working days for your money to arrive. If you have any questions about a pending transaction, please get in touch with our customer service team.
Any funds in your account are held in a segregated client money account with Bank of Scotland by our secure custodian, Third Financial Ltd. They are responsible for holding your cash and investments securely.
Any funds you add to your ISA will be invested into your target return plan.
As investments are bought and sold each Thursday, it may take up to 5 working days for your funds to be invested.
Occasionally, the Investment Manager may delay investing your funds. This could be due to significant upcoming or unexpected events that may cause extreme market movements. The Investment Manager will always act in your best interests when investing your money.
You can start investing with us from £100.
You can add up to £20,000 into your ISA each tax year. This is known as your 'ISA allowance'.
Your ISA allowance resets each tax year. You can spread your ISA allowance across all your ISAs, or use your entire allowance with one ISA.
You can only open and pay into one Stocks & Shares ISA this year.
You can choose from three ready-made investment plans. Each plan is built and managed for you by experienced investment managers.
You can read all about the plans here.
Your ISA protects any money you put in from tax. You do not have to pay tax on any income, growth or interest made on any money you've added to your ISA. That means you do not pay any capital gains tax if your ISA increases in value.
You also do not have to pay tax on any dividend income payments. This means easier tax returns and straightforward returns - what you see is what you get.
Once you take your money out of your ISA, it is no longer protected and may be taxable.
Please bear in mind that ISA rules apply and may change in the future.
Transferring your ISA to us is easy, effortless and free. You can read about how to transfer your ISA to us here.
Sure! We love our investors and are always happy to help. Our customer service team is based here in Henley-on-Thames. Get in touch.