The Retiready Stocks and Shares ISA

The Retiready stocks & shares Individual Savings Account (ISA) is a flexible, tax-friendly way to boost your savings. And it’s not an either or situation. You can use it alongside or as an alternative to a pension.

Benefits of the ISA

How a Retiready stocks and shares ISA can help you:

  • Simple investment choice.
  • Added safeguard designed to limit the impact of sharp and sustained market falls.
  • Pay in up to £20,000 in 2017/18
  • Transfer existing ISAs if you want to.
  • Access your money any time.
  • 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 invested. 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. An investment in a stocks and shares ISA will not provide the same security of capital associated with a cash ISA. The favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.
  • Make sure you contact your new ISA provider to arrange the transfer, rather than withdrawing money and moving it yourself. They’ll transfer it for you in the correct way and make sure you don’t lose out on any annual allowance.
Apply now for a stocks and shares ISA (Opens new site)

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 (Opens new window) of 0.5% a year depending on the value of your fund
  • An investment charge (Opens new window) of 0.38% which is included in the fund price
  • We'll keep 0.25% of your total investment in a cash account to cover the service charge within your Retiready ISA. The investment charge is taken directly from the fund price, rather than the cash facility. We'll pay interest (Opens new window) on this amount. The interest rate you'll be paid is 0.1% below the Bank of England base rate. The base rate is currently 0.5%, so you'll get an interest rate of 0.4%.

These charges may vary in future.

Combine your ISA's

Moving your retirement savings into one pot, in one place, can help you take control and possibly save money. Before transferring existing ISA(s) ensure you won't lose valuable benefits. Please speak to a financial adviser if you're unsure. Find out more about combining your ISA's

Get your Retiready ISA today

Apply now for a personal pension