Investing with us

ISA Centre

Individual Saving Accounts (ISAs)

ISAs are a tax-free or tax efficient account for your savings or investments. In July 2014 new rules were introduced to ISAs which means they offer more flexibility to both savers and investors and allow individuals to shelter more money than ever before in a tax-free environment.
Savers and investors can now invest in any combination of cash and stock and shares they like, and are allowed to move their cash freely between the two types at any time. They can hold their cash and stock market investments with the same provider or choose different ones. So whereas previously you could only transfer money from a Cash ISA to a Stocks and Shares ISA, you can now switch money either way (this applies to previous years’ ISA savings too).

2020/2021 ISA allowance: £20,000

Junior ISA (JISA)

On 3 January 2011 Child Trust Funds (CTF) were scrapped for new savers and were replaced with JISAs.
A JISA allows family and friends to invest into a tax-efficient account on behalf of a child and there’s no income tax or capital gains tax to pay on the interest. The 10% tax on dividends taken at source remains.
  • JISAs are only available to children born on or after 3 January 2011, or children aged under 18 but born before 1 September 2002 (when the CTF was introduced) and so never had a CTF. However from April 2015 you can transfer your child’s CTF into a Junior ISA.
  • Parents can choose from a cash or stocks and shares version.
  • Junior ISAs are free from income and capital gains tax
  • Your child can’t touch the money until they are 18 – the account is held in the child’s name but is opened and managed by you. The child can take control at 16, but can’t touch the money until they turn 18. Once they are 18, the money belongs to them to do with as they like.

2020/2021 JISA allowance: £9,000

Our ISA and JISA

We offer investors access to the stocks and shares ISA. Our comprehensive range has something for everyone whether you are looking for income or growth or a mixture of both. We only offer stocks and shares ISA and JISAs, we do not offer a cash ISA.

Before you invest with us, please ensure you have read the relevant Key Investment Information Document (KIID). The information is required by law to help you understand the nature and the risks investing in this fund. For additional information please read the Supplementary Information Document (SID).

PDF

Retail ISA/JISA Application Form

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