ISA Guide

Relax… it’s ISA time
Our proven technology delivers an easy-to-use, low fee, tax efficient Stocks & Shares ISA that helps make your money work harder, so you don’t have to.
When you pay less tax, your money works even harder
You can put money into an ISA every tax year. The gains you make are entirely tax free – so you keep all of what you make. Your ISAs don’t close at the end of the tax year – so your returns remain tax-free for as long as you decide to keep your ISAs open.
How much can you invest tax free every year?
Your annual, tax-free ISA allowance is £20,000 - that’s a lot of money that could be working harder for you and it takes very little effort to start your InvestEngine ISA today.
What is an ISA?
An ISA, or Individual Savings Account, is a great way to make the most of your savings and investments. Every year the government allows you to invest in an ISA tax-free – so you don’t pay income tax or capital gains tax as your investment grows. There are two main types of ISA – Cash ISAs and Stocks & Shares ISAs.
Cash ISA or Stocks & Shares ISA?
A Cash ISA is a savings account that is exempt from tax on the interest. You often get an attractive initial interest rate, but this usually drops substantially once the introductory period is over. With a Stocks & Shares ISA, you’re investing in stocks and shares and you don’t pay any tax as the value of your investment grows. As you’re no doubt aware, interest rates are at an historic low and have been for a number of years whereas the stock market has enjoyed solid growth over the same period. For this reason, we believe a Stocks & Shares ISA is a better way to make your money work harder.
When you pay less tax, your money works even harder
You can put money into an ISA every tax year. The gains you make are entirely tax free – so you keep all of what you make. Your ISAs don’t close at the end of the tax year – so your returns remain tax-free for as long as you decide to keep your ISAs open.
How much can you invest tax free every year?
Your annual, tax-free ISA allowance is £20,000 – you can choose how much of your allowance to invest. That’s a lot of money that could be working harder for you and it takes very little effort to start your InvestEngine ISA today.
With InvestEngine, transferring an ISA is easy
You may already have one or more ISAs from previous years. However, they may not be performing well – especially in the case of Cash ISAs – or you might be paying higher fees than you need to. But don’t worry – it’s quick and simple to transfer existing ISAs into a more competitive ISA. And it won’t use any of your tax allowance for this year providing the funds were invested before this tax year.
We do it for you
Transferring an ISA is easy – simply fill out our ISA transfer form then relax whilst we sort it all out. We’ll move the money over for you, then your InvestEngine will get to work making your money work harder.
Our fee is only 0.45% per annum
Find out what your optimal portfolio is. Commitment free.
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