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Individual Savings Accounts

ISAs

Individual Savings Accounts

If you are a private investor, looking to secure your long-term security, you need to make certain you choose the right provider for your tax-efficient Individual Savings Account (ISA).

ISAs AND YOU

Thousands of private investors choose Charles Stanley as their Stocks & Shares ISA manager. Having been involved with ISAs and their predecessors PEPs since they were created, we know and understand them. ISAs can be a highly efficient way to manage your investments and can be a major advantage in your portfolio.

STOCKS & SHARES ISA

Charles Stanley offers only Stocks & Shares ISAs. A Stocks & Shares ISA is a wrapper in which investments may be bought, sold and held in a tax-efficient way. The main advantage of ISAs is that for many investors they can substantially reduce the tax burden created by income and profit on investments held within them. As well as opening new ISAs, many clients have chosen to transfer all their ISAs held with other managers to Charles Stanley, thereby taking advantage of the reduction in paperwork and administration this affords them. Download our brochure for more information on how our Stocks and Shares ISA works.

THE BENEFITS OF INVESTING WITHIN ISAs

ISAs allow you to build your own portfolio of investments within a tax-efficient account that is ‘ring-fenced’ from the rest of your financial affairs. You need not give HM Revenue & Customs any details whatsoever about these investments. With a Charles Stanley Stocks & Shares ISA you have the freedom to choose from all qualifying investment options including shares, fixed interest stocks, gilts, unit trusts and investment trusts. There are also favourable rules regarding the treatment of interest on the cash balances in your ISA. You can withdraw your money at any time without losing the previous tax relief and we make no exit charges apart from a pro rata administration fee.

 

You should consider seeking advice on the suitability of subscribing to an ISA, as this will depend on your individual circumstances. Current legislation suggests that an ISA may be less suitable for you if you are a nil or low-rate tax payer. Investors should be aware that the price of shares and other investments, and the income derived from them, may fall as well as rise and the amount realised from an ISA may be less than the original sum invested.

 

ISAs online at Charles Stanley Direct

Charles Stanley Direct offers Stocks and Shares ISAs with no initial charges or additional annual fees. You can enjoy all the financial advantages of the Direct service, such as commission-free fund pricing and automatic “clean” conversion on fund transfers (where possible) coupled with the tax efficiency of an ISA. You pay only the annual Platform fee and share dealing fees where applicable.

  • Free account: no set-up costs, no annual fee
  • Tax efficient
  • Premium in-house research and analysis
  • Foundation Portfolios and Foundation Fundlist
  • Invest in commission-free funds
  • Conversion to 'clean' fund units on transfer in (where possible)
  • Competitive dealing rates for shares and live prices
  • Secure online account

For more details please CLICK HERE to go to the Charles Stanley Direct website where you can set-up your ISA in minutes.

 

WHY TRANSFER TO CHARLES STANLEY?

Transferring your existing ISAs to Charles Stanley is straightforward. You can transfer all, or part, of any existing ISA held with a different provider to a Charles Stanley ISA; the only limitation is that the current year’s ISA subscription must be transferred in full or remain in situ. You may also transfer a Cash ISA into our Stocks & Shares ISA. We charge nothing for doing this but you should clarify exit charges and transfer terms with your existing manager.

In keeping with the bespoke nature of our service, we offer both flexibility and convenience, meaning you can choose from the widest range of investment possibilities. You will receive regular updates, valuations and statements itemising all payments, transactions, dividends and tax credits.

 

 

 
  • 1

    The freedom to choose from all qualifying investment options including shares, fixed interest stocks, gilts, unit trusts and investment trusts.

  • 2

    You may transfer all, or part, of any existing ISA held with a different provider to a Charles Stanley Stocks & Shares ISA.

  • 3

    You may also transfer a Cash ISA into our Stocks and Shares ISA.

  • 4

    No higher-rate tax charge on the investment income that you receive in your ISA.

  • 5

    You pay no additional tax on dividends, or on interest on stocks that you hold in your ISA.

  • 6

    You can withdraw your money at any time without losing the previous tax relief and we make no exit charges apart from a pro rata administration fee.

You may choose to have your ISA looked after in a number of ways:

Discretionary Management

Models

Funds

Execution Only

Matterley Fund Management

Downloads

Further details of our ISA services

Download Private Client BrochureDownload ISA Insert

0131 550 1212
(Direct Investments)

MAKE AN ENQUIRY

For more details about our ISA Services please fill in our online form:

Online Contact Form

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CONTACT YOUR LOCAL OFFICE

Your local office can advise you on all aspects of your ISA:

More choices

You may wish to see further complementary services for ISA investments:

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