Stocks and Shares ISAs.

Understand the risks

Please remember that the value of an investment and the income from it can go down as well as up and you may get back less than you invested. If you are in any doubt about making your own investment decisions we recommend you seek advice from a suitably qualified financial adviser.

Tax treatment depends on your individual circumstances and may change.

Investment ISA

If you haven’t already used your ISA allowance this tax year, you can invest tax-efficiently in one of our managed funds within our Investment ISA (a Stocks and Shares ISA). ISAs are not subject to personal Income Tax or Capital Gains Tax.

The maximum amount you can invest in the current tax year is £20,000. You can choose to invest your full allowance into a cash ISA, a stocks and shares ISA, or an innovative finance ISA or any combination of the three.

Alternatively you can split your allowance by investing up to £4,000 in a Lifetime ISA and the remaining allowance between any combination of the other three types of ISA, as long as you don’t exceed £20,000 in total across your ISAs.

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Self-Select Stocks and Shares ISAs

Alternatively, if you’d prefer to invest in a wider range of funds, stocks and shares, or bonds tax-efficiently, you could try a Halifax Self-Select Stocks and Shares ISA.

This account allows you to choose your own investments for your ISA with an annual administration charge of £12.50 per year. All real-time online trades cost just £12.50 commission, or you can set up a regular scheduled investment into your ISA for £2 commission per stock.

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