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Start investing today Our Direct Investment Service

The new tax year started on 6th April

Take advantage of the tax exemptions and allowances available this tax year and make your savings work harder for you.

Tax years run from 6th April to 5th April.

By investing early you have up to a year’s worth of extra income and growth potential.

Three options for tax efficient saving

Start your investment journey with one of our tax efficient investment accounts.

Stocks & Shares ISA

Make your savings work harder with our flexible ISA

  • You can shelter up to £20,000 each tax year.
  • No capital gains tax on profits.
  • No tax on dividends from shares or the income earned on bonds.
  • An ISA is in your name only.
  • If you’re looking to invest tax efficiently and want flexibility to access your money when you need it.
Find out more
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Self-Invested Personal Pension

Often the most tax-efficient way to save for your retirement is with a pension

  • You can shelter up to £40,000 each tax year, depending on earnings.
  • No capital gains tax on profits.
  • No tax on dividends from shares or the income earned on bonds.
  • Additional tax relief on your contributions.
  • A SIPP is in your name only.
  • If you’re looking to save for your retirement and don’t need access to your money until you’re at least 55.
Find out more
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Junior Stocks & Shares ISA

Give your children or grandchildren a financial head start with a Junior ISA

  • You can shelter up to £9,000 each tax year.
  • No capital gains tax on profits.
  • No tax on dividends from shares or the income earned on bonds.
  • Your child or grandchild owns the JISA and they can access the funds at 18.
  • If you’re looking to create a tax-efficient savings pot for your children or grandchildren to give them a financial head start.
Find out more
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Cash ISA v Stocks & Shares ISA

You can shelter up to £20,000 tax-free, each year across your Individual Savings Accounts (ISAs), the most common being Cash and Stocks and Shares ISAs. Both options can help you start to save for your future, giving you the flexibility to access your money when you need it.

Cash ISAs

Great for your shorter-term needs – saving for a holiday or a house purchase. However, due to low-interest rates, your money may not be working as hard for you over the long term as it could. Please note Charles Stanley does not offer Cash ISAs.

Stocks and Shares ISAs

Help you build your wealth over time – we recommend five years or more. For longer periods the stock market tends to do a much better job than cash in keeping up with inflation – rises in the cost of living. However, investments can go up and down in value, so you could get back less than you put in.

Insights to help you

Article
Be an ISA or SIPP early bird
By Rob Morgan
Spokesperson & Chief Analyst
06 Apr 2022 | 4 min read
Article
Is cash really king?
By Rob Morgan
Spokesperson & Chief Analyst
13 Jan 2022 | 7 min read
Knowledge
Guide to Investing Basics
Download your free guide to get started and be more invested in your financial future.
Article
Could your cash ISAs be working harder?
By Rob Morgan
Spokesperson & Chief Analyst
27 Jan 2022 | 5 min read

How can you start investing today?

Invest with confidence using our first-class service to implement your investment decisions, through our secure platform and app.

With our Direct Investment Service, you can start your investment journey with these 5 easy steps:

  1. Register & verify your email
  2. Provide us with some details about you
  3. Choose your account - ISA, SIPP, Junior ISA and Investment account.
  4. Add your money to your account
  5. Choose your investments, buying a fixed amount or monthly investments.

Benefits of our Direct Investment Service

Award-winning service

Our experienced team is based in Edinburgh. They provide the highest levels of service and will support you in any way they can – from opening your account to detailed account queries.

Competitive charges

Our low service fee is a maximum 0.35% with no minimum investment. Take advantage of savings through our highly competitive loyalty programme, where fees decrease the more you invest.

Safe and secure

Nothing is more important to us than the safety of your money. We’ve designed our processes to protect and nurture wealth in a safe environment, including strong cybersecurity measures.

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Frequently asked questions