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What can you invest in an investment ISA?

In this short video, Clare tells us about the different types of assets you can hold within an investment ISA.

1.5 minute view

Who's this for? All investors

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 their effects on you will depend on your individual circumstances.

Hello, I am Clare, Savings and Investments Director at Smart Investor, and I am going to explain what you can invest in within an investment ISA, also, sometimes referred to Stocks and Shares ISA.

Please be aware though that we can not offer personal advice so if you do not feel confident about making an investment decision on your own, do seek independent financial advice.

You can hold a wide range of assets in a tax-efficient ISA wrapper. All types of investment funds, such as unit trusts, open-ended investment companies, investment trusts and exchange traded funds can be held in an investment ISA. You can also invest in government and corporate bonds, as well as the shares of individual companies.

If you do not use your ISA allowance this tax year, you can not roll it over to the following year.

So, if you are not sure what to invest in, but do want to put some money into your ISA so you do not lose your allowance, you can keep it as cash and then invest it at a later date. Just remember that you do not currently earn interest on any cash held in your Smart Investor investment ISA.

The investments you choose will depend on your own circumstances, the amount of risk you are comfortable with, and your financial goals.

The benefits of investing within an ISA is that any capital gains you make or income you receive is tax-free.

This may not be the case if you invest outside of an ISA. We've got loads more information about ISAs and investing on our website, so take a look and discover everything you need to know.

In these four short videos Clare tells us what an investment ISA is, how much you can save, what you can invest in, and how ISA flexibility works.

They’re all bite sized videos, each roughly one-minute-long to give you a quick overview of ISAs. If you’re looking for some more detailed information, we’ve got lots of articles to help. Here are a few you might be interested in:

What is an investment ISA?

ISA rules explained

Key tax rates, limits and allowances

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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 their effects on you will depend on your individual circumstances.

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Investment ISA

An easy way to start investing

We offer two ways to invest using an Investment ISA (also known as a stocks and shares ISA). Choose your own investments with Smart Investor, or let us make the decisions for you with Plan & Invest. Either way, invest up to £20,000 per year and any returns you make are tax-free1.

Start investing to make the most of those special times to come by using your new 2021-22 ISA allowance in an Investment ISA today. The sooner you begin, the sooner you could grow your money, tax efficiently.

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