A Stocks & Shares ISA can be used to save up for a number of purposes, whether it be saving for children’s education, paying off your mortgage, a rainy day or to simply accumulating wealth.

What are the benefits of investing in a Stocks & Shares ISA?

Stocks & Shares ISA, What is it?

It’s a tax-efficient account with an annual allowance of £20,000 into each tax year. No Income Tax or Capital Gains Tax on the money held inside an ISA, regardless of how much it grows.

It’s free to withdraw from an ISA and there are no limits on when you can access your money (we would recommend investing for at least 5 years, there is a risk to your capital if you decide to invest.

11 million people in the UK hold an Isa, this is one of the most popular ways to save and invest.

Cash ISAs v Stocks & Shares ISAs.

Stocks and shares Isa are not restricted by providers interest rate. cash isa rates tend to lower than inflation, meaning what is saved in them can remain static.

Comparing stocks & shares Isa investing money in this type of investment can mean a chance of increased growth. There is a risk that any money you invest you may get less than you put in.

Cash ISA are recommended for short term saving e.g holiday, or for emergencies. Stock and shares are classed as long term investments 5 years+. The benefit of investing for 5 years+ is a chance of greater growth.

It’s important to remember that, as with all investing, your capital is at risk in a General Investment Account. Investments can fluctuate in value and you may get back less than you invest.

Different investments provide

  • capital and growth
  • income
  • A combination of income and growth

What is a General Investment Account?

Investing for longer means putting money into products or funds linked to the stock market. There is a risk of investing in funds, which could rise or fall in value. Investors need to be prepared to tie their money up.

There is no limit on how much you can invest each year. Potential for growth but capital is at risk and returns not guaranteed.

ready to do more with your Investments?

If you’d like to find out if our service is right for you and how we can help you do more with your money, please get in touch. There’s no obligation and our friendly team will talk you through your options.

Tax Efficient

ISAs are one of the most Tax efficient ways to save – as there is no tax to pay on any investment or income you get from an ISA, and there is no tax payable on any capital gains arising.


You can save in cash or invest in a wide range of stock market-related investments and in most cases access your money at any time. You can also consolidate current or previous tax years into a single ISA or provider.

Annual ISA Allowance

You have an opportunity to save up to £20,000 in an ISA in this tax year (2021/22) – and if you don’t use it, you will lose it. You cant carry over any unused ISA allowance into the next tax year.


Not having to pay tax on y0ur ISA means you do not need to include it on your end of year tax return.


If an ISA holder dies, the surviving spouse or civil partner is entitled to an extra ISA allowance – known as the Additional Permitted Subscriptions (APS) – equal to the value of the ISA(s) held by your partner. This is in addition yo – and independent of – your own annual ISA allowance.
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