Stocks & Shares ISAs

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

Defensive Income Plan Offer

Up to 8% pa

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

Capital at risk

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Plan Name

Investec FTSE 100 Defensive Income Plan

Annual Income

Up to 8.0%
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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8.0% per year if the FTSE 100 Index doesn’t drop by 20% or more
Quarterly payments
Alternative option paying up to 6.0% 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 – 21 December 2018
Application deadline for direct and ISA applications – 16 January 2019

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

Dura Capital Credit Suisse FTSE 100 Quarterly Income Autocall Plan

Annual Income

Up to 6.0%
per year

Term

Up to 8 years

ISA Option

More info

More information on this product

6.0% per year if the FTSE 100 Index doesn’t drop by more than 25%
Quarterly payments
Plan can mature early each year from year 2 onwards
Maximum 10 year term
Available for stocks and shares ISA and direct investment
Application deadline for direct and ISA applications by cheque – 14 December 2018
Application deadline for direct and ISA applications by bank transfer – 21 December 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 per year

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 – 21 December 2018
Application deadline for direct and ISA applications – 16 January 2019

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 5.0%
per year

Term

Up to 10 years

ISA Option

More info

More information on this product

5.0% per year if the FTSE 100 Index doesn’t fall by 40% 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 – 7 January 2019
Application deadline for direct and ISA applications by cheque – 15 January 2019
Application deadline for direct and ISA applications by bank transfer- 21 January 2019

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

Dura Capital Citi FTSE 100 Autocall Plan

Maximum Potential Return

11.25%
per annum

Term

Up to 7 years

ISA Option

More info

More information on this product

11.25% for each year (not compounded) provided the FTSE 100 finishes at or above initial level
Potential to mature early, from year 1 onwards
Maximum 7 year term
Available for stocks and shares ISA and direct investment
Application deadline for direct and ISA applications by cheque – 18 January 2019
Application deadline for direct and ISA applications by bank transfer – 25 January 2019

Plan not available for ISA transfer applications
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 £3,000
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

10.5%
per annum

Term

Up to 6 years

ISA Option

More info

More information on this product

10.5% 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 – 21 December 2018
Application deadline for direct and ISA applications – 16 January 2019

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 10:10 Plan

Maximum Potential Return

10.25% pa
(alternative options paying 8% or 12.5%)

Term

Up to 10 years

ISA Option

More info

More information on this product

10.25% for each year (not compounded) provided the FTSE 100 finishes at or above its starting level
Alternative options available returning a potential 8% pa with kick out level reducing from 102.5% to to 82.5% over the term, or 12.5% with kick out level at least 5% above starting level
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 – 28 November 2018
Application deadline for direct and ISA applications by cheque – 12 December 2018
Application deadline for direct and ISA applications by bank transfer- 18 December 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

Walker Crips UK Kick Out Plan

Maximum Potential Return

9.5%
per annum

Term

Up to 6 years

ISA Option

More info

More information on this product

9.5% for each year (not compounded) provided the FTSE 100 finishes at or above its starting value
Potential to mature early, annually from year 2 onwards
Maximum 6 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Application deadline for cash ISA transfers -12 December 2018
Application deadline for stocks & shares ISA transfers -5 December 2018
Application deadline for direct and ISA applications – 4 January 2019

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
Product designed to be held for the full term

Plan Name

Dura Capital Credit Suisse FTSE/S&P Defensive Autocall 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 and S&P 500 finish at or above required autocall level
Required autocall level reduces from 100% of initial level to 75% over term of the plan
Potential to mature early, from year 2 onwards
Maximum 7 year term
Available for stocks and shares ISA and direct investment
Application deadline for direct and ISA applications by cheque – 27 November 2018
Application deadline for direct and ISA applications by bank transfer – 4 December 2018

Plan not currently available for ISA transfer applications
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 £3,000
An arrangement fee applies to this plan
Product designed to be held for the full term

Plan Name

Investec/Lowes 8:8 Plan 6

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 92% of initial level
Potential to mature early, every six months from year 2 onwards
Maximum 8 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Application deadline for ISA transfers – 21 December 2018
Application deadline for direct and ISA applications – 16 January 2019

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

7.35%
per annum

Term

Up to 6 years

ISA Option

More info

More information on this product

7.35% 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
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 – 21 December 2018
Application deadline for direct and ISA applications – 16 January 2019

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 Defensive Step Down Kick Out Plan

Maximum Potential Return

6.5%
per annum

Term

Up to 6 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 65% over the term
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 – 21 December 2018
Application deadline for direct and ISA applications – 16 January 2019

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

£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.

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

Choice of Funds from Scottish Friendly

Protection Scheme

FSCS

ISA Transfers

More info

Why we like it: Invest from only £10 a month, lump sums from just £100 or a combination of both using your tax-free Investment ISA allowance. You can stop, restart, raise or lower your payments or your investments and cash in whenever you want. Choice of investing in one easy choice fund ISA, or a selection of nine different fund ISA’s. Your money will be invested in a policy within a Scottish Friendly ISA which will then invest in a choice of funds from Scottish Friendly including stock market and bond funds.

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.

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.

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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.