Stocks & Shares ISAs

Stocks & Shares ISA Options For Your 2018-19 ISA Allowance

Plan Name

Investec FTSE 100 Defensive Income Plan

Annual Income

Up to 7.20%
per year

Term

Up to 8 years

ISA Option

More info

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.

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7.20% per year if the FTSE 100 Index doesn’t drop by 20% or more
Quarterly payments
Alternative option paying up to 5.80% income if Index falls by up to 40%
Plan can mature early each year from year 2 onwards
Maximum 8 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Application deadline for ISA transfers – 19 September 2018
Application deadline for direct and ISA applications – 10 October 2018

Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it’s initial level, 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

Plan Name

Investec FTSE 100 Enhanced Income Plan

Annual Income

4.20%
fixed income

Term

5 years

ISA Option

More info

More information on this product

4.20% income per annum, paid regardless of the performance of the FTSE 100
Monthly income
5 year term
Available for stocks & shares ISA, ISA transfer and direct investment
Application deadline for ISA transfers – 19 September 2018
Application deadline for direct and ISA applications – 10 October 2018

Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it’s initial level, 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

Plan Name

Meteor FTSE Monthly Contingent Income Plan

Annual Income

Up to 6.00%
per year

Term

Up to 10 years

ISA Option

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6.00% per year if the FTSE 100 Index doesn’t fall by 25% or more
Monthly payments
Plan can mature early each quarter from year 2 onwards
Maximum 10 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Application deadline for ISA transfers – 2 October 2018
Application deadline for direct and ISA applications by cheque – 10 October 2018
Application deadline for direct and ISA applications by bank transfer- 16 October 2018

Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it’s initial level, in which case your initial investment will reduce by 1% for each 1% fall
Minimum investment £5,000
An arrangement fee applies to this plan
Product designed to be held for the full term

Plan Name

Hilbert Conditional Quarterly Autocall Plan

Annual Income

Up to 8%
per year

Term

Up to 10 years

ISA Option

More info

More information on this product

8% per year based on the performance of the FTSE 100 and EURO STOXX 50 Indices
Income paid even if Indices fall by 20%
Plan can mature early each quarter from year 1 onwards
Maximum 10 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Application deadline for ISA transfers – 5 October 2018
Application deadline for direct and ISA applications by cheque – 12 October 2018
Application deadline for direct and ISA applications by bank transfer- 25 October 2018

Capital is at risk if the FTSE 100 Index or EURO STOXX 50 Index has fallen by more than 40% at maturity from it’s initial level, in which case your initial investment will reduce by 1% for each 1% fall of the worst performing Index
Minimum investment £5,000
An arrangement fee applies to this plan
Product designed to be held for the full term

Plan Name

Investec FTSE 100 Enhanced Kick Out Plan

Maximum Potential Return

10.25%
per annum

Term

Up to 6 years

ISA Option

More info

More information on this product

10.25% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging)
Potential to mature early, from year 1 onwards
Maximum 6 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Application deadline for ISA transfers – 19 September 2018
Application deadline for direct and ISA applications – 10 October 2018

Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it’s initial level, 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

Plan Name

Investec FTSE 100 Step Down Kick Out Plan

Maximum Potential Return

7.25%
per annum

Term

Up to 6 years

ISA Option

More info

More information on this product

7.25% for each year (not compounded) provided the FTSE 100 finishes above kick out level
Required kick out level reduces from 100% to to 80% over the term
Alternative collateralised option also available paying a potential 7.35% pa
Potential to mature early, from year 2 onwards
Maximum 6 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Application deadline for ISA transfers – 19 September 2018
Application deadline for direct and ISA applications – 10 October 2018

Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it’s initial level, 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

Plan Name

Mariana 10 Year FTSE Step Down Kick Out Plan

Maximum Potential Return

7.25%
per annum

Term

Up to 10 years

ISA Option

More info

More information on this product

7.25% for each year (not compounded) provided the FTSE 100 finishes above required kick out level
Required kick out level reduces from 102.5% of initial level to 82.5% over the term of the plan
Potential to mature early, from year 2 onwards
Maximum 10 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Application deadline for ISA transfers – 5 September 2018
Application deadline for direct and ISA applications by cheque – 19 September 2018
Application deadline for direct and ISA applications by bank transfer- 25 September 2018

Capital is at risk if the FTSE 100 Index has fallen by more than 30% at maturity from it’s initial level, in which case your initial investment will reduce by 1% for each 1% fall
Minimum investment £5,000
An arrangement fee applies to this plan
Product designed to be held for the full term

Plan Name

Investec FTSE 100 Defensive Step Down Kick Out Plan

Maximum Potential Return

6.15%
per annum

Term

Up to 6 years

ISA Option

More info

More information on this product

6.15% for each year (not compounded) provided the FTSE 100 finishes above kick out level
Required kick out level reduces from 100% to to 65% over the term
Alternative collateralised option also available paying a potential 6.35% pa
Potential to mature early, from year 2 onwards
Maximum 6 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Application deadline for ISA transfers – 19 September 2018
Application deadline for direct and ISA applications – 10 October 2018

Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it’s initial level, 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

Invest From

£20 per month or £100 single

Fund Choice

Managed, Tracker or Self-Select

Protection Scheme

FSCS

ISA Transfers

More info

Why we like it: Legal & General has over 9.5 million customers in the UK, and £983.3 billion of assets under their management (as at 31st December 2017). Their Stocks & Shares ISA offers a wide range of investment options, whether you want ready-made funds, low cost index trackers, or the ability to pick your own. You can invest up to £20,000 this tax year, with a low minimum of £100 lump sum or £20 per month, and you can manage your account easily online. 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.

Important information: Investment ISAs are tax-efficient wrappers for long term investments. Capital 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.

Invest From

£500 single (+ £100pm for ISAs below £5,000)

Fund Choice

Managed Portfolio

Protection Scheme

FSCS

ISA Transfers

More info

Why we like it: Get an intelligent stocks & shares ISA portfolio – Choose a portfolio that’s fully managed by our expert team or a fixed allocation portfolio. 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). Portfolio management fees of 0.45%-0.75% up to £100k. 0.25%-0.35% beyond £100k. There are also underlying investment charges, see our fees page. Plus, live chat, amazing customer support and brilliant investor tools and guides. Authorised and regulated by the FCA. Capital at risk.

Invest From

£50 per month or £500 single

Fund Choice

1,500+ funds

Protection Scheme

FSCS

ISA Transfers

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. Annual platform fee 0.35%.

Invest From

£25 per month or £100 single

Fund Choice

2,500+ funds

Protection Scheme

FSCS

ISA Transfers

More info

Why we like it: Choose your own funds or alternatively a ready made portfolio. Market-beating savings and discounts of up to 5.5%. No charge to buy and sell funds. Low, tiered annual charges for holding funds, with a maximum of just 0.45% per annum. Free fund updates and analysis from experienced research team. Invest with a financially secure, FTSE 100 company.

Invest From

£30 per month or £500 single

Fund Choice

With-Profits Fund

Protection Scheme

FSCS

ISA Transfers

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Why we like it: You don’t have to make any tricky investment decisions; your money will be invested in Shepherds With Profits Fund, and the bonuses you could receive will depend on the future performance of the fund. To try to achieve higher returns for you, your money is invested in a variety of assets, the majority of which consist of stocks and shares, but also property, bonds and cash. While returns are not guaranteed in stocks and shares investments and the value can go down as well as up, Shepherds apply a process known as ‘smoothing’ that attempts to even out fluctuations in the value and aims to keep a consistent level of bonus payments.

How does a stocks and shares ISA work?

A stocks and shares ISA acts as a tax-efficient ‘wrapper’ for your investments, allowing you invest up to a set amount per year (currently £20,000 for the 2018/19 tax year) while paying a reduced amount of tax on any investment income you make.

Your personal allowance for a stocks and shares ISA is £20,000 for the 2018/19 tax year. Investing this amount would use up your full ISA allowance, but if you prefer, you can divide your ISA allowance between a cash ISA and a stocks and shares ISA.

You could, for example, put some of your allowance in a cash ISA and the remaining balance can be invested in stocks and shares.

When considering a stocks and shares ISA, bear in mind that tax treatment may vary and is subject to change in the future.

Can I transfer a stocks and shares ISA to a new provider?

You can switch your investments within the stocks and shares ISA, or transfer your ISA to another provider without it affecting your allowance for that tax year.

To transfer a stocks and shares ISA from one provider to another, speak to the new provider, who will arrange it on your behalf.

What do I need to bear in mind when choosing a stocks and shares ISA?

Different stocks and shares ISA providers offer different levels of risk, as well as varying potential returns. Some are focused on specific types of asset, while others are more varied.

If you want the opportunity to spread your investments around different areas – and thus avoid putting all your eggs in one basket – you could choose a stocks and shares ISA provider that specializes in diverse portfolio management.

One of the key advantages of a stocks and shares ISA is that it can offer the potential to deliver higher returns than a cash ISA, especially if you plan to hold it over the long term.

Holding a stocks and shares ISA for a longer period of time increases your chances of riding out fluctuations in the market.

If you’re looking to hold your investment for at least five years, and are happy to take on a level of risk, then a stocks and shares ISA might be a suitable choice for you.

However, stocks and shares ISAs don’t provide the same level of security as cash ISAs. If you’re saving for the short term, need easy access to your money, can’t afford to risk your capital, or are simply risk-averse, then a stocks and shares ISA probably won’t be suitable for you.

As with all financial decisions, it’s best to seek independent advice if you’re unsure.

If a stocks and shares ISA isn’t the right choice for you, we also provide access to a leading range of cash ISAs.