The Retiready ISA

The Retiready Individual Savings Account (ISA) is a flexible, tax-friendly way to boost your savings. You can use it alongside a pension. The Retiready ISA is a stocks and shares ISA.

Features of the ISA

How a Retiready ISA can help you:

  • Gives you access to a range of investments. Any gains on your investments are free of any personal liability to capital gains and income tax.
  • Added safeguard designed to limit the impact of sharp and sustained market falls.
  • Pay in up to £20,000 in 2019/20.
  • Transfer existing ISAs if you want to.
  • Manage your account on your mobile, tablet, and desktop.

Things to think about

  • The value of an ISA will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than you invest.
  • The added safeguard is designed to reduce investment risk. However, the value of your ISA could still fall and the safeguard could limit returns in certain market conditions. For further details on safeguard and how it works, please read our FAQ.
  • Although there is no fixed term for holding the Retiready ISA, you should be prepared to hold your investment in the ISA for at least five years, ideally longer.
  • The favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation. The benefit of the tax treatment depends on individual circumstances.
  • Thinking about transferring an existing ISA to Retiready? Find out everything you need to know about transferring.

A transfer for consolidation purposes could be from one capital at risk stocks and shares ISA to another – so the value of your investments after any consolidation can still fall as well as rise and you may get back less than you invest.

Alternatively, the transfer could be from a cash ISA to our stocks and shares ISA. In this scenario you need to be aware that you’re transferring between two very different products.

Unlike money held on deposit as it is in a cash ISA, your money in a stocks and shares ISA is at risk; its value could fall as well as rise and you could get back less than you put in – so although our stocks and shares ISA has no fixed term, you should be prepared to hold your investment for at least five years – ideally longer.

Any new funds you move your money into will have their own set of risks that will be detailed in the fund information that will be available to you.

Apply now for a stocks and shares ISA

I must say, I have found Retiready to be especially user-friendly and well designed and I feel good about using it.

Peter, Retiready Customer

Why is a Retiready ISA different?

Your investment options

Funds tailored for different risk appetites

Choose from a tailored range of four funds, each designed to satisfy a different risk appetite.

Select from four funds

Each fund comes with an added safeguard designed to limit the impact of sharp and sustained market falls.

Making payments

You can make one-off payments, monthly contributions and/or transfer existing ISAs if you want to.


  • No set-up or transfer fee
  • A maximum service charge of 0.5% a year depending on the value of your fund
  • The monthly Retiready investment charge includes an annual management charge of 0.35%. There are also additional expenses which can vary depending on the day-to-day running costs of the fund. As a result, the charge you pay could be slightly different from the illustrated value and may be up to 0.38%.
  • We keep 0.25% of your payments and transfer payments into your ISA in your cash facility to pay your service charge. If there isn’t enough money in the cash facility to meet the service charge, there will be a delay in the charge being taken while we sell some of your investment. If your balance falls below 0.15% we’ll automatically top it up to 0.25% by selling some of your investment. This might not apply in some circumstances. You should be aware that you’re responsible for making sure there’s enough money to cover any payments.

These charges may vary in future.