Guide to ISAs. Discover the full potential of your tax allowance with an ISA.

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1 Guide to ISAs Discover the full potential of your tax allowance with an ISA.

2 Getting started When it comes to thinking about where to put your money, there s a lot to consider such as making sure your money is working tax efficiently. Whether you re already saving, or just looking to start, make sure you consider an Individual Savings Account (ISA). You could be making the most of your tax allowance in no time. So why not get started today? You can find the answers to many questions you may have on the following pages. What is an ISA? An ISA is a tax efficient way of saving or investing because, unlike ordinary savings and investments accounts, if you save in an ISA you are entitled to keep all that you receive from that investment and not pay any tax on it. There are two different types of ISA: cash ISAs; stocks and shares ISAs. A payment by you into an ISA in any tax year is called a subscription. You can only subscribe to one of each type of ISA per tax year. A tax year runs from 6th April to 5th April the following year. How much can I pay into an ISA? Because of their tax advantages ISAs are subject to annual subscription limits. The new limit for the 2015/16 tax year is 15,240, which means: you can subscribe up to 15,240 into a cash ISA; or you can subscribe up to 15,240 into a stocks and shares ISA; or you can subscribe to a cash ISA and a stocks and shares ISA and split up to 15,240 between the two ISAs as you choose. 2

3 Types of ISAs If you decide to invest in an ISA, you will find there are two different ways you could be tax efficient. Cash ISAs Cash ISAs work like normal savings accounts, except the interest is tax-free, which means you can save even more. Interest rates will vary, so it s a good idea to search for the best deal. Currently HSBC have one Cash ISA product: HSBC Loyalty cash ISA Flexible, tax-free savings Minimum amount to open is 1 Instant access with no charge Be rewarded for your loyalty You get the loyalty rate when you pay at least 1 into the ISA each year. The loyalty rate applies for 12 months from the date of each payment. Upon the expiry of your loyalty rate period, you will earn a standard rate of interest until you make a further payment. Stocks and Shares ISAs A stocks and shares ISA can be a tax-efficient way of investing. This means that all income and capital gains arising within an ISA are exempt from any personal liability to UK Income Tax and Capital Gains Tax. World Selection ISA Choose a ready-made portfolio managed by us Invest with as little as a 1,000 lump sum or 50 per month Flexible investment allowing you to top up or make withdrawals at any time 3

4 The Global Investment Centre Build your own portfolio with an extensive range of funds to choose from Funds include index tracker from HSBC and funds from other leading asset managers Can be integrated with your HSBC account through Online Banking InvestDirect and InvestDirect Plus Build and manage your own portfolio of securities No initial charge or annual management fee Buy and sell Stocks and Shares whenever it suits you Please note World Selection ISA, the Global Investment Centre, InvestDirect and InvestDirect Plus are execution only services and we do not give advice on investing through them. These products are offered without advice and, as such, we are not required to assess the suitability of these products for you. This means that the protection offered by the Financial Conduct Authority's rules on assessing suitability will not apply to this transaction. If you have any doubts about whether this service is suitable for your needs, you should seek advice from a Financial Adviser. You may be charged for any advice you receive. The value of investments (and any income received from them) can fall as well as rise and you may not get back what you invested. For some investments this can also happen as a result of exchange rate fluctuations as shares and funds may have an exposure to overseas markets. The value of tax benefits will depend on your individual circumstances, and tax rules may change in the future. Tax-free means free from personal liability to any UK Income Tax and Capital Gains Tax. 4

5 Frequently asked questions Can I have more than one ISA? You can only open and subscribe to one cash ISA and one stocks and shares ISA per tax year. This could be a cash ISA with one provider and a stocks and shares ISA with a different provider, or both with the same provider. Do I need an account with HSBC to open an ISA? Yes, you will need an HSBC current account to open a Loyalty Cash ISA. You also need an HSBC current account or savings account to open a Stocks & Shares ISA Can I transfer an existing ISA from another provider? Yes, you can transfer existing cash ISAs and stocks and shares ISAs to an HSBC Loyalty Cash ISA or Global Investment Centre or InvestDirect or InvestDirect Plus. For an HSBC Loyalty Cash ISA please complete and submit a paper form. You can take your completed form to a local branch or post to us at HSBC Bank plc, Coventry District Service Centre, Harry Weston Road, Binley, Coventry, CV3 2TQ. To transfer to HSBC Global Investment Centre please refer to our website. To transfer to InvestDirect or InvestDirect Plus you can transfer any existing ISAs using the forms on our website. Where you are transferring a stocks and shares ISA to a cash ISA, your ISA manager will, on receipt of a transfer request, sell your shares and transfer to us in cash. You can transfer any existing stock and shares ISAs to us. You can instruct us to arrange with your current ISA manager to either transfer your shares to us or to sell these and transfer the settlement proceeds. Please note - your current ISA may contain investments which are not traded by HSBC or are not available in your chosen stocks and shares ISA with us. These investments will need to be sold and the proceeds transferred as cash if you want to transfer your ISA to us. How much can I transfer from my cash ISA to a stocks and shares ISA? You can transfer some or all of the money you have saved in previous Tax Years without affecting your current Tax Year s annual ISA investment allowance. 5

6 How do I transfer the money in a cash ISA to a stocks and shares ISA? Exactly the same way as you would transfer your ISA to another ISA manager at the moment. You must not withdraw the money and invest it in your stocks and shares ISA yourself, as it will count against your annual ISA investment allowance. Can I transfer the monies invested in my stocks and shares ISA to a cash ISA? Yes, you can transfer existing stocks and shares ISA to a cash ISA. On receipt of a transfer request, your ISA manager will, sell your shares and transfer in cash to us. 6

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