Make your money work harder
Do you leave your long term savings in cash, either in your current account, a savings account or cash ISA? With current interest rates so low, your money will grow very little, while most cash ISAs won’t return much more than 1%. With the cost of living rising faster than this, your cash savings will buy you less each year.
Potentially higher returns
Holding cash can seem sensible. We know what to expect from it. The markets, meanwhile, can feel unpredictable. However, in any 10-year period since the stock market began, stocks have performed better than cash 9 times out of 10. Of course, investing comes with additional risks. It’s important to remember too that investments can go down and up, and past performance isn’t a guide to future performance. (Source: Barclays Research. Based on annualised real returns since 1899.)
Using a Stocks and Shares ISA means you don’t pay tax on any gains you make from your investments. The UK government sets an annual allowance on how much you can invest in your ISAs. For this tax year (2020/21), you can save or invest up to £20,000 in a tax-efficient way.
How much does it cost?
There is a platform custody charge of 0.35% a year and charges relating to the management of the fund.
When you select one of the risk options below, the platform custody charge and fund management charges are shown. There are also links to documents which explain the charges in more detail and to show you the impact of the charge based on example investment amounts.
A key factor in successful investing is spreading your investments – this is known as diversification. Our investment team has created a range of funds which invest in different regions around the world, and across all sorts of market sectors, such as; Technology, Healthcare, Infrastructure and Transport. This diversification means you spread your money between hundreds of the world leading companies and investments.
The basics of ISAs
Investing in an Individual Savings Accounts shelter any gains you make from the tax man. An ISA is a typical way to start investing and we all have an annual tax-free allowance of up to £20,000 (2020/21).
The ups and downs
The price of investments go up and down, depending on many things such as global economics, politics and investor sentiment. There are good years and bad years. Longer-term investors are more able to ride out the high and lows.
Access your money
Want to withdraw your money? It usually takes 10 working days to sell your investments and pay a withdrawal to your nominated UK bank account.
Your online security is our number one priority. When you log in using your email and password, you’ll also verify yourself with your smartphone or tablet. This additional security should give you greater peace of mind.
You've got 3 options to choose from
These options differ in the risk involved (i.e. how much investments could go up and down, or their volatility) and their potential for growth.
This lower-risk option in our range may suit you if you looking for modest growth with a reduced level of risk.
This mid-level option in our range may be suitable if you want to balance the potential growth in your investment with the risk you are willing to take.
As the name suggests, this is our most volatile option. It is designed for investors who are very comfortable with risks associated with aiming for potentially higher returns.
Understanding the risk/reward relationship and working out how much risk you are comfortable taking is an important part of investing.