Stocks & Shares ISAs

Stocks & Shares ISA Options For Your 2021-22 ISA

Compare 2021/22 Stocks & Shares ISA Deals

If you are looking to use your 2021/22 ISA allowance see our selected options for stocks and shares based ISAs.

For investment ISAs there are a range of options including isa funds which offer you the option of selecting your own funds based on attitude to risk, or allowing a specialist manager to invest on your behalf.

Nutmeg ISA

Stocks & Shares ISA

Nutmeg ISA – Simple, transparent, designed by experts. Choose an investment style that works for you

In-house investment team have built a range of portfolios, which are then allocated as per your chosen investment style
Choice of four investment styles built by experts and using exchange traded funds to diversify across stocks, bonds, industries, even countries. Choose the one that works for you
Open or transfer your ISA account in minutes
Log in from any device, start with as little as £500, and with 100% cash if you so wish
24/7 access to your account, so you can always see where your stocks and shares ISA is invested and how it’s performing

Our view: Choose a portfolio that’s fully managed by an expert team. No tie-ins, no set-up fees, no exit charges. Live chat, customer support and investor tools and guides. Portfolio management fees of 0.45%-0.75% up to £100k, 0.25%-0.35% beyond £100k. Authorised and regulated by the FCA. Important information: The value of investments can go down as well as up so you may get back less than you invest. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser. Tax treatment depends on individual circumstances and all tax rules may change in the future. Go to the Nutmeg Site »

High Growth Investment Plan

Meteor FTSE Kick Out Plan

Potential Return – 8.25% pa

Return paid if the FTSE 100 Index goes up by any amount on an annual observation date
Potential early return in years 1,2, 3, 4, 5, 6 or 7
7 year maximum term
ISA Option
Invest from £5,000

Capital at risk More information »

Investment Growth Plan ISAs

Plan Name

IDAD UK Callable Supertracker Plan

Potential Return

10% pa
or 5 x Index growth

Term

Maximum 6 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.

More information on this product

Plan can be ended early by Issuer (BNP Paribas) quarterly from end of year 2 onwards
2.5% per quarter (10% pa) if plan ends early
5 x FTSE 100 Index growth if plan runs full term
Maximum 6 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Application deadline for ISA transfers – 17 January 2022
Application deadline for direct and ISA applications by cheque – 24 January 2022
Application deadline for direct and ISA applications by bank transfer – 31 January 2022

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 £10,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

MB UK Growth Kick Out Plan

Maximum Potential Return

8.75%
per annum

Term

Up to 5 years

ISA Option

More info

More information on this product

8.75% for each year (not compounded) provided the FTSE 100 finishes 5% or more above its starting level
Potential to mature early, from year 1 onwards
Maximum 5 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 16 February 2022
Deadline for Direct & ISA applications – 2 March 2022

Capital is at risk if the FTSE 100 Index has fallen by more than 35% 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
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

Meteor FTSE Kick Out Plan

Maximum Potential Return

8.25%
per annum

Term

Up to 7 years

ISA Option

More info

More information on this product

8.25% for each year (not compounded) provided the FTSE 100 finishes at or above its starting value
Potential to mature early, from year 1 onwards
Maximum 7 year term
Alternative option also available with lower capital at risk barrier offering a potential 7.5% pa
Available for stocks and shares ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 13 January 2022
Deadline for Direct and ISA applications – 27 January 2022

Capital is at risk if the FTSE 100 Index has fallen by more than 35% 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

Mariana FTSE 100 Kick Out Plan

Maximum Potential Return

8.1% pa
per annum

Term

Up to 7 years

ISA Option

More info

More information on this product

8.1% for each year (not compounded) provided the FTSE 100 finishes at or above its starting value
Potential to mature early, from year 2 onwards
Maximum 7 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 2 February 2022
Deadline for Direct & ISA applications – 18 February 2022

Capital is at risk if the FTSE 100 Index has fallen by more than 35% at maturity from it’s initial level, in which case your initial investment will reduce by 1% for each 1% fall
Minimum investment £10,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

Causeway Securities FTSE 100 Kick Out Plan

Maximum Potential Return

8%
per annum

Term

Up to 8 years

ISA Option

More info

More information on this product

8% for each year (not compounded) provided the FTSE 100 finishes at or above its starting value
Potential to mature early, from year 3 onwards
For those looking for a medium to long term investment
Maximum 8 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 28 January 2022
Deadline for Direct & ISA applications – 11 February 2022

Capital is at risk if the FTSE 100 Index has fallen by more than 35% at maturity from it’s initial level, in which case your initial investment will reduce by 1% for each 1% fall
Minimum investment £10,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

Walker Crips UK Semi-Annual Kick Out Plan 65% Barrier

Maximum Potential Return

7.5%
per annum

Term

Up to 7 years

ISA Option

More info

More information on this product

3.75% for each six month period (not compounded) provided the FTSE 100 finishes at or above its starting value, equivalent to 7.5% pa
Potential to mature early, every 6 months, from year 2 onwards
Maximum 7 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 14 January 2022
Deadline for Direct & ISA applications – 28 January 2022

Capital is at risk if the FTSE 100 Index has fallen by more than 35% at maturity from it’s initial level, in which case your initial investment will reduce by 1% for each 1% fall
Minimum investment £10,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

MB UK Kick Out Plan Y1 65

Maximum Potential Return

7.3%
per annum

Term

Up to 5 years

ISA Option

More info

More information on this product

7.3% for each year (not compounded) provided the FTSE 100 finishes at or above its starting value
Potential to mature early, from year 1 onwards
Maximum 5 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 16 February 2022
Deadline for Direct & ISA applications – 2 March 2022

Capital is at risk if the FTSE 100 Index has fallen by more than 35% 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
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

MB UK Kick Out Plan Y2 65

Maximum Potential Return

7%
per annum

Term

Up to 5 years

ISA Option

More info

More information on this product

7% for each year (not compounded) provided the FTSE 100 finishes at or above its starting value
Potential to mature early, from year 2 onwards
Maximum 5 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 16 February 2022
Deadline for Direct & ISA applications – 2 March 2022

Capital is at risk if the FTSE 100 Index has fallen by more than 35% 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
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

Walker Crips UK Semi-Annual Kick Out Plan 60% Barrier

Maximum Potential Return

7%
per annum

Term

Up to 7 years

ISA Option

More info

More information on this product

3.5% for each six month period (not compounded) provided the FTSE 100 finishes at or above its starting value, , equivalent to 7% pa
Potential to mature early, every 6 months, from year 2 onwards
Maximum 7 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 14 January 2022
Deadline for Direct & ISA applications – 28 January 2022

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 £10,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

Meteor FTSE Step Down Kick Out Plan

Maximum Potential Return

6.5%
per annum

Term

Up to 7 years

ISA Option

More info

More information on this product

6.5% for each year (not compounded) provided the FTSE 100 finishes above kick out level
Required kick out level reduces from 100% to to 85% over the term
Potential to mature early, from year 2 onwards
Maximum 7 year term
Alternative option also available with lower 60% capital at risk barrier offering a potential 5.75% pa
Available for stocks and shares ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 10 February 2022
Deadline for Direct & ISA applications – 24 February 2022

Capital is at risk if the FTSE 100 Index has fallen by more than 35% 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 or £2,500 per option
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

MB UK Step Down Kick Out Plan

Maximum Potential Return

6%
per annum

Term

Up to 5 years

ISA Option

More info

More information on this product

6% for each year (not compounded) provided the FTSE 100 finishes above kick out level
Required kick out level reduces from 105% to to 85% over the term
Potential to mature early, from year 1 onwards
Maximum 5 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 16 February 2022
Deadline for Direct & ISA applications – 2 March 2022

Capital is at risk if the FTSE 100 Index has fallen by more than 35% 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
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

MB UK Super Defensive Kick Out Plan

Maximum Potential Return

5.5%
per annum

Term

Up to 7 years

ISA Option

More info

More information on this product

5.5% for each year (not compounded) provided the FTSE 100 finishes above kick out level
Required kick out level reduces from 105% to to 70% over the term
Potential to mature early, from year 1 onwards
Maximum 7 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 16 February 2022
Deadline for Direct & ISA applications – 2 March 2022

Capital is at risk if the FTSE 100 Index has fallen by more than 35% 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
If you withdraw your money during the plan you may get back less than you originally invested

Investment Income Plan ISAs

Plan Name

MB UK Quarterly Conditional Income Plan

Potential Income

Up to 6.0%
per year

Term

Up to 6 years

ISA Option

More info

More information on this product

6% per year if the FTSE 100 Index doesn’t fall by 15% or more
Quarterly payments
Plan can mature early annually from year 1 onwards if the FTSE 100 rises by any amount
Maximum 6 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 16 February 2022
Deadline for Direct & ISA applications – 2 March 2022

Capital is at risk if the FTSE 100 Index has fallen by more than 35% 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
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

Walker Crips UK & US Conditional Income Kick Out Plan

Potential Income

Up to 6.0%
per year

Term

Up to 6 years

ISA Option

More info

More information on this product

6% per year if the FTSE 100 Index and S&P 500 Index don’t fall by 20% or more
Quarterly payments
Plan can mature early annually from year 2 onwards if both Indices rise by any amount
Maximum 6 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 14 January 2022
Deadline for Direct & ISA applications – 28 January 2022

Capital is at risk if the FTSE 100 Index or S&P 500 Index have fallen by more than 35% at maturity from their initial level, in which case your initial investment will reduce by 1% for each 1% fall of the worst performing Index
Minimum investment £10,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

Walker Crips UK Conditional Income Kick Out Plan

Potential Income

Up to 5.2%
per year

Term

Up to 6 years

ISA Option

More info

More information on this product

5.2% per year if the FTSE 100 Index doesn’t fall by 20% or more
Quarterly payments
Plan can mature early annually from year 2 onwards if the FTSE 100 rises by any amount
Maximum 6 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 14 January 2022
Deadline for Direct & ISA applications – 28 January 2022

Capital is at risk if the FTSE 100 Index has fallen by more than 35% at maturity from it’s initial level, in which case your initial investment will reduce by 1% for each 1% fall
Minimum investment £10,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

Causeway Securities FTSE 100 Quarterly Income Plan

Potential Income

Up to 5.0%
per year

Term

Up to 8 years

ISA Option

More info

More information on this product

5% per year if the FTSE 100 Index doesn’t fall by 20% or more
Quarterly payments
Plan can mature early quarterly from year 2 onwards if the FTSE 100 rises by any amount
Maximum 8 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 2 December 2021
Deadline for Direct & ISA applications – 16 December 2021

Capital is at risk if the FTSE 100 Index has fallen by more than 35% at maturity from it’s initial level, in which case your initial investment will reduce by 1% for each 1% fall
Minimum investment £10,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

MB UK Fixed Monthly Income Plan

Annual Income

3.12%
fixed income per year

Term

Up to 4 years

ISA Option

More info

More information on this product

3.12% income per annum, paid regardless of the performance of the FTSE 100
Income paid monthly (0.26% per month)
Plan can mature early annually from year 2 onwards if the FTSE 100 rises by 5% or more
Maximum 4 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 16 February 2022
Deadline for Direct & ISA applications – 2 March 2022

Capital is at risk if the FTSE 100 Index has fallen by more than 35% 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
If you withdraw your money during the plan you may get back less than you originally invested

Investment Fund ISAs

Invest From

£500 single

Fund Choice

Discretionary Investment Management

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. 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. Tax treatment depends on your individual circumstances and may change in the future.

Important information: Investment ISAs are tax-efficient wrappers for long term investments. Charges may apply. Capital at risk. Tax treatment depends on your individual circumstances and may change in the future. ISA transfer charges may apply, please check with your provider.

Invest From

£25 per month or £1.50 per deal

Fund Choice

Over 2,000 funds

Features

Manage your investments by providing a wealth of investment tools, videos, research and for customers with more than £4,000 in their account free access to Shares magazine.

ISA Transfers

More info

Why we like it: Deal from £1.50 and never pay more than £9.95 per online deal. Choose your own investments from over 2,000 funds, investment trusts and exchange traded funds. View your account online 24/7 and deal on the go with our mobile app. Regular savings option available. Capital at risk.

Important information: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser. Tax treatment depends on individual circumstances and all tax rules may change in the future.

Invest From

£25 per month or £100 single

Fund Choice

2,500+ funds

Features

Do-it-yourself or Ready-made-portfolios.

ISA Transfers

More info

Why we like it: Hargreaves Lansdown are the UK’s no. 1 investment platform for private investors – kickstart your investing with their award-winning ISA. Choose your own investments with expert research and ideas to help you, or simply pick a ready-made portfolio. Manage via website, app or phone. Capital at risk.

Invest From

Any lump sum or £25 per month

Fund Choice

40,000+ UK and global stocks

Features

Low flat fee structure. Regular investing is free.

ISA Transfers

More info

Why we like it: An award-winning ISA that gives you complete control. The second largest platform in the UK with the widest choice of investment options in the market including funds, investment trusts, ETF’s and more. Open online in less than 10 minutes. Access to expert independent ideas and analysis. Low cost fees and trading. Capital at risk.

Invest From

£25 through regular savings or £1,000 as a lump sum

Fund Choice

Over 4,000+ funds, plus shares, investment trusts and exchange-traded funds.

Features

Great value service fee. Easy to set up. Online guidance to help with your investment decisions

ISA Transfers

More info

Why we like it: This award-winning ISA has an extensive range of investment options, including thousands of funds and shares, plus a guidance service to help you find investment ideas. There is a low service fee (typically 0.35%), easy online application process and apps to manage your money on the move. Other charges apply. Plus, everything is backed by Fidelity’s 50 years of investment experience. Capital at risk.

Invest From

Any lump sum or monthly amount*

Fund Choice

Over 2,000 funds

Features

Invest in over 2,000 funds plus Exchange Traded Funds (ETFs), Investment Trusts, shares and more.

ISA Transfers

More info

Why we like it: Access helpful tools and resources to support your investment decisions. UK based customer support team available by phone and online. Use your ISA allowance now.

Important information: Investment ISAs are tax efficient wrappers for long term investments. Charges Apply. The value of investments can fall as well as rise and you may get back less than you invest. Tax rules can change, and individual effects may vary. *While there are benefits to investing regularly rather than as a lump sum, you should remember the impact fees have on your investments. If you’re only investing small amounts each month, the minimum monthly fee could make it expensive and may exceed returns.

Invest From

£1,500

Investment Type

7 managed portfolios to choose from

Features

Choose your risk profile & have it matched to an investment portfolio expertly built and managed

ISA Transfers

More info

Why we like it: Answer questions about your goals, financial situation and attitude to risk, and Moneyfarm will recommend the right ISA portfolio for you, built and managed by experts to help your money grow. You’ll always be invested in a portfolio that’s suitable for you, and you can manage this through the Advice Centre. See what you’re invested in, how you’re performing and how much you’re paying anywhere and any time with the Moneyfarm app. Add money to your ISA by setting up a direct debit, investing a lump-sum, or by transferring old ISAs for free. Capital at risk.

Invest From

No minimum

Investment Type

10 managed portfolios to choose from

Features

Choose your risk profile and have an investment plan built and managed for you. Ethical plan options. Platform backed by AVIVA

ISA Transfers

More info

Why we like it: Choose your level of risk from cautious to adventurous and have a plan expertly created and managed for you. Create multiple plans with different risk levels, Ethical plans also available. Invest as little or much as you like, add regular payments and top up whenever you like. Withdraw money or transfer out without notice or penalty fees. Wealthify app lets you check how your Plan is performing, manage your transactions and provide investment news and insights. Simple annual management charge of 0.6%. Capital at risk.

Invest From

£30 per month or £500 single

Fund Choice

With-Profits Fund

Protection Scheme

FSCS

ISA Transfers

More info

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. Capital at risk.

Invest From

£25 lump sum or regular payment

Fund Choice

A wide range of funds, shares, investment trusts and ETFs

Features

Flexible ISA. If you take money from your account, provided you put it back during the same tax year, it won’t count against your annual ISA allowance

ISA Transfers

More info

Why we like it: Multi-award winning ISA with a wide range of investment choices. The Willis Owen ISA is a flexible ISA, which means that if you take money (either as a cash withdrawal or from your income payments) from your account, provided you put it back during the same tax year, replacement of the money won’t count against your annual ISA allowance. Expert insights, guides and tools to help you invest. Low minimum investment of £25, and/or transfer existing ISA’s in. View your portfolio 24/7 on easy to use and secure platform. Tiered annual fees ranging from 0.15% to 0.40%. Capital at risk.

Share Dealing ISAs

Share Dealing ISA

Trade From

£7.99 a month
Using the Investor Service Plan

Frequent Trader Rate

From £7.99 using the Investor Service Plan

Platform Fees

No transfer or exit fees. From £7.99 using the Investor Service Plan

More Info

More information on this product

Over 40,000 UK and global stocks to choose from across 17 stock exchanges
Invest directly in shares, ETF funds, investment trusts and more
Reduce your FX costs by managing money in up to 9 currencies
No transfer fees or exit fees

£9.99 a month on the Investor Service Plan
Get the award winning Quotestream, Level 2 streaming prices and real time portfolio management for a low fixed price of £20pm plus VAT
The value of your investments can rise as well as fall, so you may get back less than you invested
If you’re unsure about the suitability, we recommend you ask for independent advice

Share Dealing ISA

Trade From

£4.95

Features

ADVFN "Best Execution Only Broker 2020"

Platform Fees

From 0.25% pa

Get Deal

Good to know: Deal from £1.50 and never pay more than £9.95 per online deal. ‘Self Select ISA Provider of the Year’ at the 2020 ADVFN International Financial Awards. Capital at risk.

Share Dealing ISA

Trade From

£11.95

Frequent Trader Rate

£5.95 to £8.95

Platform Fees

From 0.45% pa (Capped at £45 pa for shares)

Get Deal

Good to know: HL are the UK’s No 1 broker. Live prices are free & you get the best price when buying or selling shares for HL customers. 2,500 funds, shares and more. Expert investment ideas. Award winning mobile app. Capital at risk.

What is an investment ISA?

An investment ISA is simply where you use your annual ISA allowance (currently £20,000 in 2021-2022) to invest in non cash assets such as shares, investment trusts, open-ended investment companies (OEICs), life insurance policies, corporate bonds, and gilts.

How do I choose an investment ISA?

An investment ISA, as with all investments, involves an element of risk, so it’s important that you are comfortable with this and you are in a sufficiently stable financial position. If you are unsure you should seek independent financial advice.

Before you open an investment ISA, make sure that:

Your debts are under control – you’ve either paid them off or have affordable arrangements in place to do so.
You have emergency savings that you can access easily if something unexpected occurs – if your car breaks down or you’re made redundant, you’ll need savings that you can use straight away.

If you’re very new to saving and don’t yet have a basic emergency fund, you may find that a cash ISA is more suitable for you at this stage. Once you’ve built up some accessible savings in this way, you might then want to consider an investment ISA.

Investment ISA tips for 2021

You should be prepared to invest for the medium to long term with a investment ISA – for example, for five years or more.
If you think you might require access to your cash in the next couple of years, a investment ISA may not be the right choice for you. Share prices can be volatile – and so if you were to withdraw your investment in the next twelve to eighteen months, you could end up with less money than you started with.
Different investment ISAs have different investment options. These range from as little as £10 per month (e.g. through a fund) to a specified minimum investment (e.g. £500).
Some ISA providers will give you online access to your account, allowing you to see the investment performance of your ISA and keep up to date with any charges incurred.
If your investment ISA isn’t performing as well as you’d like, you will usually be permitted to transfer it another provider. To do this, speak to your new ISA manager who will arrange the transfer, allowing you to avoid losing any tax benefits by withdrawing your cash.
You can transfer shares you get from an HMRC-approved SAYE (save as you earn) scheme run by your employer, or a share incentive plan, into a investment component of an ISA without incurring capital gains tax, up to your annual ISA allowance.
You will not be able to transfer any existing non-ISA shares, or shares you’ve inherited, into an investment ISA.
With an investment ISA, there is greater long-term growth potential than a cash ISA – however, bear in mind that the value of your investment can go down as well as up.
If you have an investment ISA from a previous tax year, you’re permitted to move this into a current investment ISA or split it between more than one investment ISA.
If you want to open a Junior ISA (JISA) for your child, you can also invest in investment on their behalf up to a maximum of £9,000.

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 2021/22 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 2021/22 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.

Investment News

1st
Jan

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. 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. * Details of how the Financial Services Compensation Scheme applies to investment firms can be found at fscs.org.uk.

Stocks & Shares ISAs

Stocks & Shares ISA Options For Your 2021-22 ISA

Compare 2021/22 Stocks & Shares ISA Deals

If you are looking to use your 2021/22 ISA allowance see our selected options for stocks and shares based ISAs.

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