When investing in the stock market it is vital to be aware that your investments can go down as well as up in value and that you may get back less than you originally invested.


Stocks & Shares ISA

Our Stocks & Shares ISA is a tax-efficient low-cost way to invest your money.

  • You can invest up to the annual ISA allowance of £20,000 during the 2019/20 tax year.
  • No tax to pay on any gains that you make or income that you receive.
  • Transfer in any existing ISA’s that you have with other Stocks & Shares ISA or Cash ISA providers to potentially lower your costs even further.
  • Invest into a wide choice of Funds, Investment Trusts, Exchange Traded Funds and Shares.

A Stocks & Shares ISA is a tax-efficient investment account that lets you put money into a range of different investments:


Funds

  • Collective investments which pool your money with other investors.
  • A fund manager uses that money to buy and sell a wide range of investments on your behalf, in order to achieve a fund’s objective. Some funds may focus on a specific area (i.e. India, China, US, Emerging Markets) or a specific sector (i.e. Ethical, Property, Small Companies).
  • Tracker funds are also available that will track a specific index (e.g. FTSE 100, S&P 500), As these are not actively managed by a fund manager the fund charge will be lower.
  • The fund price reflects the underlying net asset value (NAV) of the fund’s holdings.


Investment trusts

  • Collective investments which pool your money with other investors.
  • A fund manager uses that money to buy and sell a wide range of investments on your behalf, in order to achieve a fund’s objective. Some funds may focus on a specific area (i.e. India, China, US, Emerging Markets) or a specific sector (i.e. Ethical, Property, Small Companies).
  • As well as the underlying net asset value (NAV) of the holdings the price of the investment trust will also be affected by supply and demand, so will go up if proving popular and go down if out of favour.


Exchange Traded Funds (ETF’s)

  • Collective investments which pool your money with other investors.
  • These are similar to tracker funds in that they will track an index, so will generally have lower fund charges when compared to active funds.
  • As well as the underlying net asset value (NAV) of the holdings the price of the investment trust will also be affected by supply and demand, so will go up if proving popular and go down if out of favour.


Shares

  • Invest in individual company shares. These are riskier that funds, investment trusts and ETF’s because you would need to buy many individual company shares to achieve a diversified portfolio whereas the collective investments will naturally be well diversified.
  • As well as FTSE 100 shares, we now have shares from the FTSE 250, FTSE Small Cap, FTSE All Share and FTSE AIM indices and expect further shares to become available in the coming weeks and months.

 Open an ISA

Investing Outside of an ISA

Investing outside of an ISA works in a very similar way to investing in an ISA. However, you need to be aware that investing outside of an ISA means you do not have the same shelter from tax that investing within a stocks and shares ISA provides. 

You can put money into a range of different investments by setting up a general investment account on our platform. It has the same potential for growth, just like with a Stocks & Shares ISA, but without the same ISA allowance restrictions.

More details

Junior ISA

A Junior ISA is a tax-efficient way to save money for your child as no income tax or capital gains tax will be payable on any returns.

  • The Junior ISA allowance for the 2019/20 tax year is £4,368, and you have until 5 April 2020 to take advantage of it.

  • If you decide to open a Junior ISA account on behalf of your child it will pass automatically to them at age 18.

  • A child can only hold one Cash and one Stocks and Shares Junior ISA.

The value of investments can go down as well as up so you may get back less than you invest. The value of tax savings and eligibility to invest in a Junior ISA depend on personal circumstances. All tax rules may change in future. Withdrawals from a Junior ISA will not be possible until the child reaches age 18.

Open a Junior ISA

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