Stocks & Shares ISAs

Stocks & Shares ISAs

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

Defensive Income Plan Offer

Up to 7.20% pa

  • Quarterly income
  • Maximum 8 year term
  • Early maturity potential
  • Invest from £3,000

Capital at risk

More information >>

 

Plan Name

Investec FTSE 100 Defensive Income Plan

Annual Income
Up to 7.20%
per year
Term
Up to 8 years
ISA Option

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.

Plan Name

Investec FTSE 100 Enhanced Income Plan

Annual Income
4.20%
fixed income
Term
5 years
ISA Option

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.

Plan Name

Meteor FTSE Monthly Contingent Income Plan

Annual Income
Up to 5.00%
per year
Term
Up to 10 years
ISA Option

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.

Plan Name

Hilbert Conditional Quarterly Autocall Plan

Annual Income
Up to 8%
per year
Term
Up to 10 years
ISA Option

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.

Plan Name

Investec FTSE 100 Enhanced Kick Out Plan

Maximum Potential Return
10.25%
per annum
Term
Up to 6 years
ISA Option

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.

Plan Name

Dura Capital FTSE/Euro Stoxx Defensive Autocall Plan

Maximum Potential Return
9%
per annum
Term
Up to 7 years
ISA Option

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.

Plan Name

Investec FTSE 100 Step Down Kick Out Plan

Maximum Potential Return
7.25%
per annum
Term
Up to 6 years
ISA Option

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.

Plan Name

Mariana 10 Year FTSE Step Down Kick Out Plan

Maximum Potential Return
7.75%
per annum
Term
Up to 10 years
ISA Option

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.

Plan Name

Investec FTSE 100 Defensive Step Down Kick Out Plan

Maximum Potential Return
6.25%
per annum
Term
Up to 6 years
ISA Option

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.

Invest From
£20 per month or £100 single
Fund Choice
Managed, Tracker or Self-Select
Protection Scheme
FSCS
ISA Transfers

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

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.

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
£50 per month or £500 single
Fund Choice
1,500+ funds
Protection Scheme
FSCS
ISA Transfers

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%.

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
£25 per month or £100 single
Fund Choice
2,500+ funds
Protection Scheme
FSCS
ISA Transfers

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.

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
£30 per month or £500 single
Fund Choice
With-Profits Fund
Protection Scheme
FSCS
ISA Transfers

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.

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.

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.

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.

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.

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. 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.