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
Investec FTSE 100 Defensive Income Plan
per year
Investec FTSE 100 Enhanced Income Plan
fixed income
Meteor FTSE Monthly Contingent Income Plan
per year
Hilbert Conditional Quarterly Autocall Plan
per year
Investec FTSE 100 Enhanced Kick Out Plan
per annum
Dura Capital FTSE/Euro Stoxx Defensive Autocall Plan
per annum
Investec FTSE 100 Step Down Kick Out Plan
per annum
Mariana 10 Year FTSE Step Down Kick Out Plan
per annum
Investec FTSE 100 Defensive Step Down Kick Out Plan
per annum
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.
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.
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.
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.
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.
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.
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.