Stocks and shares ISA.

Benefits of investing in a stocks and shares ISA

• You can invest up to your full ISA allowance of £11,520 into a stocks and shares ISA.
• Invest either a lump sum or regular contribution from as little as £500 or £50 per month respectively.
• No personal tax on the income or profit your investment earns.
• No need to include ISA holdings on your tax return.
• No initial charge or withdrawal fees. Other charges may apply.

Types of stocks and shares ISA 

We’ve a carefully designed range of funds to choose from, which include the  following types:

• Index-Tracker funds
  An easy and popular way to invest that follows the performance of a particular stock market.
• Actively Managed funds
  A good way to invest in a particular sector or region.
• Mixed Investment funds
  Invest in several funds at the same time. Our fund managers select a number of funds and put them under one unit trust.
• Specialist Investment funds
  We offer funds that invest in a socially responsible way and in companies producing solutions to environmental issues.

Risk Factors

• Please remember the value of your investment and any income from it may fall as well as rise and is not guaranteed.
• You may get back less than you invest.
• Recommended investment period: medium to long term, ideally five years or more.
• The tax efficiency of ISAs is based on current rules. The current tax situation may not be maintained. The benefit of the tax treatment depends on individual circumstances.
• Each trust has its own individual risks detailed in the individual 'Key Investor Information' documents. More general information can be found in ' Additional fund information document (PDF:655KB) ' and ' A guide to investing with us (PDF:812KB) '. Before you decide to invest you must read these documents.

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