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Our investment accounts

You can find out about our range of investment accounts below. We give you the information to decide which one is right for you, depending on your personal circumstances and financial goals.

You can choose from thousands of different investments to hold in your account, making your own decisions for long-term gains. However, if you’re unsure which investment is right for you, you might want to seek professional financial advice. 

The value of investments can fall as well as rise and you could get back less than you invest. If you’re not sure about investing, seek independent advice. Tax rules can change and the value to you will depend on your circumstances.

Investment ISA

An Investment ISA is a tax-efficient wrapper in which you can buy, hold and sell investments such as funds, shares and bonds.

  • If you’re prepared to accept the risk that you might lose money, our Investment ISA gives you access to a wide range of investment opportunities to help you reach your financial goals.
  • You have an ISA allowance of £20,000 in the 2018/19 tax year – this can be split between cash, investment, innovative finance or lifetime ISAs.1

Investment Account

Once you’ve used up your annual ISA allowance, our Investment Account gives you access to an even wider range of investments.

  • Choose from a range of investments not available through an ISA
  • No limit to how much you can invest.

SIPP Account

If you want more control over your pension, you can access a range of investments through a Self-Invested Personal Pension (SIPP). A SIPP lets you take advantage of the same tax benefits available to all pension savers:

  • Protect your returns from income tax, tax on dividends and capital gains tax (CGT) and income tax
  • Claim tax relief on contributions of up to £40,000 or 100% of your earnings (whichever is lower).

You take responsibility for growing your retirement savings, so you should only open a SIPP if you’re an experienced investor and you understand the risks. You won’t be able to access your money until you reach the minimum retirement age of 55 (rising to 57 in 2028).

Fees

Our fees are transparent, so you can clearly see what you’re paying for.

Our monthly Customer Fee covers the running of your investments across all your accounts, which includes reinvesting dividends and transferring investments. You’ll also pay a transaction fee each time you buy or sell an investment.

Depending on the types of investments you choose, you may also be charged taxes, like Stamp Duty, or fund manager fees.

Call us

If you have any questions, you can give us a call on 0800 279 36672

The value of investments can fall as well as rise and you could get back less than you invest. If you’re not sure about investing, seek independent advice. Tax rules can change and the value to you will depend on your circumstances.

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