Account options

Stocks & Shares ISA

Make your savings work harder with our flexible ISA and pay no income or capital gains tax on the returns. Shelter up to £20,000 this tax year.

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Why it could be right for you

Benefits of a Stocks & Shares ISA

Generous annual allowance

You can put £20,000 in an ISA in the current tax year as a lump sum or regular payments.

Tax-efficient

You won’t pay capital gains tax on any profits and there’s no tax on dividends from shares or the income earned on bonds.

Access your money any time

With a flexible ISA, you can add and withdraw your money through the year, providing you don’t go over your annual allowance.

Make your savings work harder

With savings rates so low you could see your money eroded by inflation. A Stocks & Shares ISA will give your money the chance to grow faster than inflation.

Stocks & Shares ISA is ideal for

Giving you flexibility

A flexible Stocks & Shares ISA allows you to take money out of your ISA and place the money back again within the same tax year, giving you access to your money without affecting your annual ISA limit.

Consolidating your ISAs

You can easily transfer and consolidate existing Cash or Stocks & Shares ISAs held with other providers into our Stocks & Shares ISA, or vice versa to suit your changing needs.

Reaching your financial goals

If you’ve got financial goals that are some way off, like retirement or a children’s education, investing for the long-term gives your money the chance to work harder and get better returns.

What is a Stocks & Shares ISA?

A Stocks & Shares ISA (Individual Savings Account) is a tax-efficient investment account that allows you to place your money into a range of different investments.

These can include shares, investment funds, investment trusts, as well as government and corporate bonds. A Stocks & Shares ISA is a great way to invest while sheltering your assets from tax, they offer the possibility of a higher return than Cash ISAs and you have control over what you invest in and when.

How would you like to manage your investments?

We have a wide range of investment services, offering you the flexibility to be as involved as much or as little as your like.

Direct Investment Service

I would like to manage my own investments

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

  • You will have access to our platform and dealers to make your investment decisions.
  • You can construct your investment portfolio from a wide range of investments, from stocks & shares, funds, ETFs and more.
  • Our low service fee is a maximum 0.35%, with savings available through our loyalty programme.
  • No minimum investment.
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Bespoke Investment Service

I would like a professional to manage my investments for me

Entrust a dedicated expert to make investment decisions on your behalf.

  • You’ll have direct contact with your investment manager, speaking directly to the person responsible for your portfolio.
  • We’ll construct a portfolio based on your personal circumstances, investment objectives and risk appetite.
  • We can accommodate your investment preferences, such as responsible and ESG investing; also allowing you to hold your cherished holdings.
  • Minimum investment £200,000.
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Foundation Portfolio Service

I would like an expertly managed portfolio, in a cost-effective way

Straightforward way to access our investment expertise. We'll help you invest in one of our funds to suited to your needs.

  • Access to our advice desk whenever you want to contact us by phone or email (please note that our advice is restricted).
  • A range of five actively managed funds, and we’ll guide you to the one that most closely matches your investment objectives and risk appetite.
  • Annual review to ensure we’re managing your money in the most suitable investment strategy.
  • Minimum investment £20,000.
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Latest Insights

Article
What happens to your ISA when you die?
By Rob Morgan
Spokesperson & Chief Analyst
28 May 2021 | 6 min read
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Spokesperson & Chief Analyst
06 Apr 2021 | 8 min read
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Five tips on how to build your nest egg this Easter
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Spokesperson & Chief Analyst
28 Mar 2021 | 5 min read
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Last minute ISA options and deadlines
By Rob Morgan
Spokesperson & Chief Analyst
15 Mar 2021 | 7 min read

Frequently asked questions

Charles Stanley is not a tax adviser. Information contained within this page is based on our understanding of current HMRC legislation. Tax reliefs and allowances are those currently applying and the levels and bases of taxation can change. Tax treatment depends on the individual circumstances of each person or entity and may be subject to change in the future. If you are in any doubt, you should seek professional tax advice.

Other account options

Choose from our range of accounts, to ensure you make the most of your tax allowances or exemptions, whilst making sure you can access your money when you need it.

Account options

Junior Stocks & Shares ISA

Give your children a financial head start with our JISA. Shelter up to £9,000 per tax year.

Account options

Self-Invested Personal Pension

Create more opportunities for your retirement by saving more within a SIPP. Pay in up to £40,000 per tax year and get tax relief.

Account options

Investment Account

Start investing today with a wide range of funds and shares or transfer and consolidate any existing holdings.

Request a call back

Contact us today to discuss how our wide range of services can help you.

0207 739 8200 (Open Mon-Fri, 9am-5pm)

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