Maximise your ISA allowance with an investment ISA

Investment ISA

Have you used your full ISA allowance? No?

There can be real tax benefits to investing in an ISA, so don’t miss out!

An investment ISA (also called stocks and shares ISA) could be an obvious choice when you’re looking to take full advantage of your annual ISA allowance, especially if you’ve already put money in a cash ISA.

Our investment ISAs make it easier for you to invest in a tax-efficient way.

You can invest up to £10,680 2 in an investment ISA (often referred to as a stocks and shares ISA).

If you are confident with making your own investment decisions without advice, we have a range of investment ISAs to choose from including our new Foundation ISA. Read on for more information about our ISAs.

Foundation ISA

Foundation ISA

  • A low-cost investment ISA.
  • No initial charge when you buy (other charges will apply), no exit penalties and no ‘lock-in’ periods, although transferring out or surrendering in the early years increases the chance that you will lose money.
  • Designed for all kinds of investors to meet their different needs.
  • Five funds to choose from – choose the fund that best matches the level of risk that you’re comfortable taking with your money.
  • Receive a £50 John Lewis Reward Voucher when you invest at least £5,000 online before 31 August 2011 and hold your investment for a minimum 90 days. Subject to terms and conditions.

 

Remember, you can invest up to £10,680 in an investment ISA, less any money you’ve put in a cash ISA.

Alternatively, take a look at our cash ISA if you feel investing is not for you.

The investments we sell are generally designed to be held for the medium to long term, usually five to ten years, and the value of investments and any income they produce can go down as well as up, so you could get back less than you invested.

Eligibility for tax relief within an ISA depends on your circumstances and the rules could change in the future.

If you are unsure whether an investment is right for you, please seek independent financial advice.

Investors' Choice ISA

  • A range of funds from leading fund managers.
  • 0% initial charge. Other charges will apply.
  • Independent Crown Ratings for peace of mind.
  • Funds with different levels of risk and potential reward, categorised for ease
  • Receive a £50 John Lewis Reward Voucher when you invest at least £5,000 online before 31 August 2011 and hold your investment for a minimum 90 days. Subject to terms and conditions.

 

Remember, you can invest up to £10,680 in an investment ISA, less any money you’ve put in a cash ISA.

Alternatively, take a look at our cash ISA options if you feel investing is not for you.

The investments we sell are generally designed to be held for the medium to long term, usually five to ten years, and the value of investments and any income they produce can go down as well as up, so you could get back less than you invested.

Eligibility for tax relief within an ISA depends on your circumstances, and the tax rules could change in the future.

If you are unsure whether an investment is right for you, please seek independent financial advice.

Important information
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2. You can put up to £10,680 in ISAs in the 2011/2012 tax year. Subject to this overall limit, you can put a maximum £5,340 in a cash ISA. The remaining £5,340 or up to £10,680 (if you don’t use your cash ISA allowance) can be invested in an investment ISA with either the same ISA provider or another provider.