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Tax Free Savings Products

Individual Savings Accounts (ISAs)

Adult ISAs, also known as standard ISAs, offer complete flexibility if one needs to access them before the retirement date with no tax to pay on withdrawals. Although annual contributions are capped at £20,000 per year, there are no limits on how much one can accumulate over time. In addition, all returns are exempt from Income Tax and Capital Gains Tax (CGT).  

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ISAs have become exponentially popular as the benefits that can be accrued are significant.  By way of an example, an individual aged 25 contributing the maximum annual limit of £20,000 yearly, at an assumed annualised growth rate of 4%*, would potentially accumulate a tax free investment portfolio of approximately £1,9 million at the retirement age of 65.

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Note: *Net of all Fees 

Men with Calculator

Suitability

  • An ISA (Stocks & Shares) is suitable for anyone over the age of 18 

  • A UK tax resident

  • An ISA is suitable for both employed and self-employed individuals

  • An ISA is suitable for investors seeking a medium to long term tax free savings plan 

Benefits

  • Tax-free returns 

  • Supplement retirement income

  • No limit on the size of the investment portfolio

  • Funds are easily accessible 

  • No limit on withdrawal size 

  • No withdrawal penalties

  • Professional fund management

  • No requirement to report returns from ISAs to HMRC

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