Investment ISA Transfers

Oliver Roylance-Smith, Director

Compare latest Investment ISA ideas for transferring your ISA

"Unhappy with your cash or investment ISA performance?

 

Transferring your cash or investment ISA to a new provider is a straightforward process. See below for a selection of investment ideas for transferring your current ISA for income or growth. See below our guide to help you understand how this process works."


Oliver Roylance-Smith , Head of Investments and Savings

Best Investment ISA transfers

Compare below our selection of the best Investment ISA transfers available in the UK. These Stocks & Shares ISAs offer a wide range of investment fund choices with the option of either selecting funds yourself, or letting the experts manage your funds for you to help you make the most of your tax free savings allowance.

Investment ISA Transfers
ProviderAccountISA TransfersProtection schemeFund choiceInvest From:More info
yes

FSCS

Managed Potfolio

Min. £500 single

(+ £100pm for ISAs below £5,000)

More Info >
Why we like it: Get an intelligent stocks & shares ISA portfolio, fully managed by our expert team. No tie-ins, no set-up fees, no exit charges. Easy, online set up in minutes. Start with as little as £500 (plus £100 per month for ISAs below £5,000). One simple annual portfolio management fee – 0.3% to 0.95% depending on how much you invest, incl VAT. Regular rebalancing – at no extra cost – plus, live chat, amazing customer support and brilliant investor tools and guides. Regulated by the FCA and protected by the FSCS. Capital at risk.
yes

FSCS

2,000+ funds

£50 per month

or just £5 single

More Info >
Why we like it: Barclays Stockbrokers has been voted ‘Self Select ISA Provider of the Year’ at the ADVFN International Financial Awards 2016. Choose from over 2,000 funds, shares, ETFs, investment trusts, gilts, bonds and more. Now with ISA flexibility, withdraw and replace cash from a flexible ISA during the same tax year without it counting towards your annual ISA allowance.
yes

FSCS

1,500+ funds

£50 per month

or £500 single

More Info >
Why we like it: Invest through an award winning FTSE company, with extensive research and analysis and competitive charges. Choose from a range of investments including shares, funds, gilts, bonds, investment trusts and ETFs.


Important information: Investment ISAs are tax-efficient wrappers for long term investments. Capital’s at risk. Charges may apply.  Tax rules may change in the future and whether particular tax rules benefit you, will depend on your individual circumstances. ISA transfer charges may apply, please check with your provider.

Top 10 Investment ISA Plan Transfers

Investment ISA Plans are fixed term investments that offer a defined return for a defined level of risk, with income or growth returns normally linked to the performance of an underlying Index (such as the FTSE 100) so you know exactly what has to happen to receive any stated returns. There are also fixed income Investment ISA Plans where you receive a fixed income regardless of the performance of the stock market. All of these plans also combine some capital protection from a falling stock market and as such can offer a compelling balance of risk versus reward.

Investment ISA Plan Transfers - Fixed Income
ProviderPlan NameCounterpartyISA OptionTermAnnual IncomeMore Info
FTSE 100 Enhanced Income PlanInvestec Bank plcyes6 years

5.04%

fixed income

More Info >
  • 5.04% income paid regardless of the performance of the FTSE 100
  • Monthly income
  • Available for ISA, ISA transfer and direct investment 
  • Investment deadline for ISA transfer applications - 2 December 2016
  • Investment deadline for direct and ISA applications - 16 December 2016
  • Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Investment ISA Plan Transfers - Income
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential IncomeMore Info
FTSE Dual Option Contingent Income PlanNatixisyesUp to 6 years

7.00%

per annum

More Info >
  • Up to 7% per year based on the performance of the FTSE 100 Index
  • Income paid even if Index falls by 20%
  • Quarterly payments
  • Plan can mature early each quarter from year 2 onwards
  • Alternative option available returning a potential 5% per year if FTSE falls by 40%
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfers - 9 November 2016
  • Investment deadline for direct and ISA applications by cheque - 17 November 2016
  • Investment deadline for direct and ISA applications by bank transfer - 23 November 2016
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% from its starting level at the end of the investment term, in which case your initial investment will reduce by 1% for each 1% fall below its starting value
  • Minimum investment £5,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
FTSE 100 Kick-Out Income PlanInvestec Bank plcyes6 years

7.00%

per annum

More Info >
  • Up to 7% per year based on the performance of the FTSE 100 Index
  • Income paid even if Index falls by up to 25%
  • Potential early maturity from year 2 onwards
  • Quarterly payments
  • Available for ISA, ISA transfer and direct investment 
  • Investment deadline for ISA transfer applications - 2 December 2016
  • Investment deadline for direct and ISA applications - 16 December 2016
  • Capital is at risk if the FTSE 100 Index falls by more than 40% at maturity from its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. Income and growth returns are not guaranteed. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.
Investment ISA Plan Transfers - Growth
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 Enhanced Kick Out PlanInvestec Bank plcyesUp to
6 years

10%

per annum

More Info >
  • 10% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging)
  • Alternative collateralised options also available returning a potential 9.2% / 8.1% 
  • Potential to mature early, from year 1 onwards
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline ISA transfer applications - 2 December 2016  
  • Investment deadline for direct and ISA applications - 16 December 2016 
  • Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
FTSE 100 Defensive Growth PlanInvestec Bank plcyes6 years

34.0%

after 6 years

More Info >
  • 34% after 6 years provided the FTSE 100 finishes above 50% of its starting value
  • Available for ISA, and ISA transfer
  • Investment deadline ISA transfer applications - 2 December 2016
  • Investment deadline for ISA applications - 16 December 2016
  • Capital is at risk if the FTSE 100 Index has fallen by more than 50% at maturity from its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • Only available for new ISA investments or ISA transfers, not direct investments
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
FTSE 100 Step Down Kick-Out PlanInvestec Bank plcyesUp to
6 years

8.25%

per annum

More Info >
  • 8.25% for each year (not compounded) provided the FTSE 100 finishes above kick out level
  • Kick out level reduces from 100% to to 80% over the term
  • Potential to mature early, from year 2 onwards
  • Alternative collateralised option available paying 7.4% with 40% capital at risk barrier but additonal protection from 5 UK financial institutions
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline ISA transfer applications - 2 December 2016
  • Investment deadline for direct and ISA applications - 16 December 2016
  • Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. Income and growth returns are not guaranteed. There is a risk of losing some or all of your initial investment due to the performance of the underlying Index or commodity. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.
ISA Transfer - Income Funds
Fund ManagerFundFund Manager Initial Charge¹AMC³Income Yield*Select Fund°Fact SheetHow to Invest
Henderson Preference and Bond 0%0.60%5.00%yesFactsheetApply Now >
Invesco Perpetual Monthly Income Plus0%0.63%4.46%yesFactsheetApply Now >
Kames High Yield Bond0%0.75%4.99%yesFactsheetApply Now >
Newton Asian Income0%0.75%5.43%yesFactsheetApply Now >
Woodford Equity Income Fund0%0.75%3.50%yesFactsheetApply Now >
Our selected partner for investing in Neil Woodford's Equity Income fund is Barclays Stockbrokers, via their INVESTMENT ISA for new ISAs and ISA transfers, or their MARKETMASTER® ACCOUNT for non-ISA investments. 

Income Paid Quarterly.The fund’s investment objective is to provide investors with long-term appreciation through investing in stocks primarily listed on the UK stock exchanges. Up to 20% may be invested in international companies. The income objective is 10% higher than the FTSE All Share Index yield with an anticipated annual yield of 4.0%.

Artemis Income0%0.75%3.7%yesFactsheetApply Now >
Jupiter Merlin Income Portfolio0%0.75%3.10%yesFactsheetApply Now >
M&G Global Dividend0%0.75%3.27%yesFactsheetApply Now >

*Current Income Yields are Gross, Variable and Not Guaranteed as at 28/2/14 - See latest Fund Factsheet for details.

³AMC is the Annual Management Charge applied by the Fund Manager. 

°Select Fund - See how our funds are selected

 

Bonds: To provide the potential for overall returns these funds invest in bonds, also known as fixed interest securities. This is achieved by receiving regular interest on loans to companies or governments. There is a chance the bond issuer could fall into financial difficulty and will not be able to pay the interest or the loan back, which could result in a fall in your investment returns. Bonds can also be sensitive to trends in interest rate movements and if interest rates go up, the returns on your investment are likely to fall as bonds can become less attractive. On the other hand, if interest rates fall, bonds are likely to become more attractive and your investment returns increase.

ISA Transfer - Growth Funds
Fund ManagerFundFund Manager Initial Charge¹AMC³Select Fund°Fact SheetHow to Invest
Aberdeen Asia Pacific 0%1.00%yesFactsheetApply Now >
Asia Pacific Leaders Fund0%0.85%yesFactsheetApply Now >
BlackRock Continental European 0%0.75%yesFactsheetApply Now >
Baring Europe Select Trust 0%0.75%yesFactsheetApply Now >
Jupiter Merlin Growth Portfolio0%0.75%yesFactsheetApply Now >
Jupiter Merlin Worldwide Portfolio0%0.75%yesFactsheetApply Now >
M&G Global Basics0%0.75%yesFactsheetApply Now >
Schroders Tokyo 0%0.75%yesFactsheetApply Now >
Invesco Perpetual Distribution0%0.69%yesFactsheetApply Now >
Jupiter Merlin Income Portfolio0%0.75%yesFactsheetApply Now >
Jupiter Merlin Balanced Portfolio0%0.75%yesFactsheetApply Now >
AXA Framlington Managed Balanced0%0.63%yesFactsheetApply Now >
Schroders US Mid Cap Fund0%0.75%yesFactsheetApply Now >
JP Morgan US 0%0.75%yesFactsheetApply Now >
BlackRock Gold & General0%1.00%yesFactsheetApply Now >
M&G Strategic Corporate Bond0%0.50%yesFactsheetApply Now >
Invesco Perpetual Corporate Bond0%0.50%yesFactsheetApply Now >
Kames High Yield Bond0%0.75%yesFactsheetApply Now >
Invesco Perpetual Monthly Income Plus0%0.63%yesFactsheetApply Now >
Legal & General Dynamic Bond Trust0%0.60%yesFactsheetApply Now >

³AMC is the Annual Management Charge applied by the Fund Manager.

°Select Fund - See how our funds are selected

Why Transfer Your Investment ISA?


If you have existing investment ISA plans and you are unhappy with the investment performance you are getting then transferring to a new ISA provider is a simple process.


If you have existing investment or stocks and shares ISAs you may be unhappy with the investment performance or your objectives may have changed e.g. you may require incomeInvestment ISA Transfer rather than capital growth. You can transfer existing investment ISAs to a new provider without losing valuable tax relief.


In making a decision to transfer your investment ISAs you should have a clear objective of what you are trying to achieve. It may be that you require income, or you want to move to an investment with clearer investment objectives. Your existing investment ISAs may have performed badly, and you wish to transfer to an investment manager with a better investment track record, or lower charges.

 

How to Transfer Your Investment ISA?


Transferring your existing investment ISA (s) is straightforward and only requires some of your time.


1. Firstly you need to decide on where to transfer your Investment ISAs. Use our website to help find a selection of investment ideas for your ISAs. 


2. Once you have decided on the new home(s) for your ISAs the new ISA manager will provide within the application pack a “ISA Transfer” form. In completing this you are authorising the new ISA provider to do all the work in transferring your existing ISAs over. If you have a number of investment ISAs with different ISA providers the transfer form should cater for this.


3. On receipt of the completed ISA transfer forms from you, the new ISA provider will contact your existing ISA providers and arrange transfers with each of them. The ISA transfer process should take no longer than 3 weeks (15 business days).


4. When a ISA is transferred the old ISA manager is required to give the new ISA provider a transfer history form which contains information and a declaration.


5. Once the transfers have been completed your new investment ISA provider (s) will confirm this to you in writing.

 

Top ISA Transfer Tips for 2016/17

  • If you are unhappy with your existing investment ISAs and you want to transfer to a new provider make sure you do not cash in your existing ISAs. If you do you may lose ISA tax relief you currently enjoy. The transfer process needs to be left to the new prospective ISA manager.

  • Before transferring to a new ISA manager research what investment options are available. Our website provides a range of investment ideas which can be used for ISA investment. If you are unsure what to do you should seek independent financial advice.

  • You can transfer all or part of previous years' ISA subscriptions, while if only the current tax year's subscription is being transferred then the full amount will need to be transferred to the new provider.

  • Make sure you understand the charges that the new ISA manager will apply to your money.

  • If you need access to your capital quickly some investment ISA plans may apply charges for early withdrawal.

  • If you require regular income a number of investment ISA managers can pay income monthly, quarterly or annually. See our investment tables for options.

Investment ISA Transfer Information Service

If you are interested in an Investment ISA plan featured on our website but you are unsure how the ISA transfer process works, call our helpdesk for more information. If you wish to invest in a new ISA plan offered through our site which we administer we will check the transfer forms when you send them back to us and call you if we need any further information.

Fair Investment Helpdesk Telephone

 

Make more of your existing ISAs

Here is our selection of current plans to help you make more of your existing ISA investments. Firstly, we offer a variety of the investment plans that are suitable for investment ISA transfers and secondly a variety of fund choices which are available via our fund supermarket. Whether you our looking for greater income or better growth opportunities from your ISA, we hope you will find the right option.

 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.

Investments in Stocks & Shares ISAs do not contain the same degree of capital security as investments in deposits. Stocks and shares ISAs are designed as medium to long term investments of, for example, five years or more. 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.