A Stocks and Shares ISA is a low-cost, flexible investment choice that could help your savings benefit from the greater growth potential of a stock market investment. And because your money is tucked away in a tax-friendly ISA wrapper, it’s not locked away. So you can access your savings whenever you want.

The 2016/17 ISA allowance is a generous £15,240. Make the most of your allowance today.

  • A simple, tax-friendly, low cost investment choice
  • Easy access to your money at any time
  • Choose a fund to match your savings needs
  • Transfer existing ISAs into your Stocks and Shares ISA
  • Benefit from the greater growth potential of a stock market investment

The growth potential of your savings

Many investors still hold too much in cash which means the real value of their savings can be eroded over time by inflation. Stocks and Shares ISAs are designed to unlock the growth potential of your savings.

After all, 1% extra growth on this year’s Stocks and Shares ISA allowance equates to an extra £152.40 in your pocket. You can access your savings any time, but our ISA investment funds are designed to be held for five years or more.

Yearly returns 2005 - 2015

This chart shows how much more other types of investments have earned compared to cash over the last decade. This better growth potential can have a big impact on your savings.

Source: Lipper for Investment Management, annualised returns for 10 years to 2015. Asset class returns are based on ABI sector averages for Global Equities, Global Fixed Interest, Global Property and Money Markets.

Past performance is no guide to future performance and the value of investments can go down as well as up. You should be comfortable with the investment decisions that you make. What you’ll get back depends on several things, for example how your investments perform and how they are taxed.

Always bear in mind that you may get back less than you invested. Research any charges that you may or may not incur as a result of your investment. If you have a financial adviser, you should contact them to discuss. If you don’t, you can find out our charges. Transferring may not be the best option for you.

If you do have a financial adviser, please speak to them if you are unsure about investing.

Call our ISA helpline on

0345 608 0178

Apply for an ISA

Sign into Retiready if you already have an account.