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

Save this PDF as:
Size: px
Start display at page:

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

Transcription

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

HSBC Loyalty Cash ISA. Tax-free savings

HSBC Loyalty Cash ISA. Tax-free savings HSBC Loyalty Cash ISA Tax-free savings 2 What s in this guide What is an ISA? 3 How much can I pay into an ISA? 3 Our Loyalty Cash ISA 4 How our Loyalty Cash ISA works 5 Ready to apply? 6 Transferring

More information

Key features of the HSBC InvestDirect Stocks and Shares ISA (Individual Savings Account)

Key features of the HSBC InvestDirect Stocks and Shares ISA (Individual Savings Account) Key features of the HSBC InvestDirect Stocks and Shares ISA (Individual Savings Account) Available to HSBC InvestDirect and HSBC InvestDirect Plus customers Important information you need to know Effective

More information

Key features of the HSBC InvestDirect Stocks and Shares ISA (Individual Savings Account)

Key features of the HSBC InvestDirect Stocks and Shares ISA (Individual Savings Account) Key features of the HSBC InvestDirect Stocks and Shares ISA (Individual Savings Account) Available to HSBC InvestDirect and HSBC InvestDirect Plus customers Important information you need to know 2 Contents

More information

HSBC Help to Buy: ISA

HSBC Help to Buy: ISA HSBC Help to Buy: ISA 2 Contents What is a Help to Buy: ISA? 3 How does it work? 4 Summary box 6 Am I eligible? 7 Bonus payment 7 Ready to apply? 8 What happens next? 9 Important Information 10 3 What

More information

Key Features of the SIF Plan and SIF ISA

Key Features of the SIF Plan and SIF ISA Key Features of the SIF Plan and SIF ISA This is an important document. You need to read this before you invest in the SIF Plan and/or SIF Individual Savings Account. 6 April 2016 January 2011 2 Key Features

More information

Savings. Helping you find the right balance

Savings. Helping you find the right balance Savings Helping you find the right balance 2 3 A global bank with local knowledge We are a member of the HSBC Group, one of the world s largest global banks, who look after the needs of over 50 million

More information

Save Together. Terms and Conditions

Save Together. Terms and Conditions Save Together Terms and Conditions Save Together Subject to eligibility. Save Together offer Terms and Conditions apply. Save Together offer is a benefit of the HSBC Advance Bank Account. This document

More information

BP p.l.c. Individual Savings Account

BP p.l.c. Individual Savings Account BP p.l.c. Individual Savings Account October 2014 2 Contents page How to contact us About this brochure 2 How to contact us 2 ISAs explained 3 Taxation 3 Risks associated with this investment 4 Eligibility

More information

J.P. Morgan ISA and J.P. Morgan Investment Account

J.P. Morgan ISA and J.P. Morgan Investment Account Key Features and Terms and Conditions Effective from 7 December 2015 J.P. Morgan ISA and J.P. Morgan Investment Account For J.P. Morgan Account holders TABLE OF CONTENTS PAGE 2 2 8 9 12 22 23 24 KEY FEATURES

More information

Schroders Investment Trust ISA

Schroders Investment Trust ISA April 2016 Key Features of the Schroders Investment Trust ISA The Financial Conduct Authority is the independent financial services regulator. It requires us, Schroders, to give you this important information

More information

Key Features of the Funds Portfolio and ISA Funds Portfolio

Key Features of the Funds Portfolio and ISA Funds Portfolio Key Features of the Funds Portfolio and ISA Funds Portfolio Global Investment Centre This is an important document. You need to read this before you invest in the Funds Portfolio and ISA Funds Portfolio.

More information

Flexible ISA Customer February 2016

Flexible ISA Customer February 2016 Flexible ISA Customer February 2016 What is a flexible ISA / ISA flexibility? Before, any money you paid into your ISA usually counted towards your annual ISA allowance. Flexibility will allow you to withdraw

More information

first direct shares Key Features Document Important information, please read carefully

first direct shares Key Features Document Important information, please read carefully first direct shares Key Features Document Important information, please read carefully Contents How to contact us 2 Aims 3 Your commitment 3 Risks 3 Questions and answers 4 Rates and fees 9 Further information

More information

Key features of the M&S Investment ISA and Investment Plan

Key features of the M&S Investment ISA and Investment Plan M&S INVESTMENT ISA AND INVESTMENT PLAN Key features of the M&S Investment ISA and Investment Plan INTRODUCING THE HSBC WORLD SELECTION PORTFOLIOS The Financial Conduct Authority is the independent financial

More information

TD Direct Investing A Guide to ISAs

TD Direct Investing A Guide to ISAs TD Direct Investing A Guide to ISAs Introduction The aim of this guide is to explain how an Individual Savings Account (ISA) works and the benefits to investors. We offer our services on an execution-only

More information

Selected Investment Funds (SIF) Plan and Individual Savings Account (ISA) Product information February 2012

Selected Investment Funds (SIF) Plan and Individual Savings Account (ISA) Product information February 2012 Selected Investment Funds (SIF) Plan and Individual Savings Account (ISA) Product information February 2012 2 Contents Questions and answers 3 Features of the SIF Account 4 Buying shares in your SIF Account

More information

Key Features of the Stockmarket Linked Savings Account and Stockmarket Linked Savings Account ISA

Key Features of the Stockmarket Linked Savings Account and Stockmarket Linked Savings Account ISA Key Features of the Stockmarket Linked Savings Account and Stockmarket Linked Savings Account ISA This is an important document. You need to read this before you open a Stockmarket Linked Savings Account

More information

Your simple ISA guide

Your simple ISA guide Your simple ISA guide How to make the most of your tax efficient savings and investments New ISA allowance 15,000 Contents An introduction to cash ISAs 4 Cash ISA 6 Fixed Rate ISA 7 Stocks & Shares ISA

More information

Key Features of the Cofunds Junior Investment ISA

Key Features of the Cofunds Junior Investment ISA SELF-DIRECTED Explicit Pricing Model Key Features of the Cofunds Junior Investment ISA This document relates to the Cofunds Junior Investment ISA. This is the only product available on the Cofunds platform

More information

Key Features of HSBC InvestDirect and HSBC InvestDirect Plus. Important information you need to read

Key Features of HSBC InvestDirect and HSBC InvestDirect Plus. Important information you need to read Key Features of HSBC InvestDirect and HSBC InvestDirect Plus Important information you need to read 2 Contents Section Page How to contact us 2 Key Features of these products 3 Questions and answers 5

More information

Key Features of HSBC InvestDirect and HSBC InvestDirect Plus. Important information you need to read

Key Features of HSBC InvestDirect and HSBC InvestDirect Plus. Important information you need to read Key Features of HSBC InvestDirect and HSBC InvestDirect Plus Important information you need to read 2 Contents Section Page How to contact us 2 Aims 3 Your commitment 3 Risks 3 Questions and answers 4

More information

Key Features of the Stocks & Shares ISA

Key Features of the Stocks & Shares ISA Key Features of the Stocks & Shares ISA Reference NGS250/A 05.16 The Financial Conduct Authority is a financial services regulator. It requires us, Friends Life Investment Solutions Limited, to give you

More information

Subscription Shares. Understanding the bonus issue of subscription shares

Subscription Shares. Understanding the bonus issue of subscription shares Subscription Shares Understanding the bonus issue of subscription shares Contents Subscription Shares 3 Fidelity Investment Trust Subscription Shares 4 Converting Subscription Shares 5 Subscription Shares

More information

ISA Guide How to make the most of your tax efficient savings and investments

ISA Guide How to make the most of your tax efficient savings and investments ISA Guide How to make the most of your tax efficient savings and investments How to save with an ISA Whether you re saving for a holiday, a deposit for your dream home or a comfortable retirement, an Individual

More information

Your easy guide to cash ISAs. How to make the most of your tax-free savings

Your easy guide to cash ISAs. How to make the most of your tax-free savings Your easy guide to cash ISAs How to make the most of your tax-free savings Make a cash ISA the first place you start saving Cash ISAs are simply savings accounts where the interest is paid tax-free They

More information

Your investment choices made easy

Your investment choices made easy Your investment choices made easy PathFinder guide The Fidelity PathFinder range An easy way to invest Our PathFinder range is exclusively available to customers of Fidelity s Personal Investing service.

More information

J.P. Morgan ISA and J.P. Morgan Investment Account

J.P. Morgan ISA and J.P. Morgan Investment Account 110487-GB H961 0615 Key Features (24pp A4).qxp:110487 10/6/15 14:35 Page 1 Key Features and Terms and Conditions Effective from 25 September 2015 J.P. Morgan ISA and J.P. Morgan Investment Account For

More information

INVESTING WITH IPS. This brochure supports the Key Investor Information Document.

INVESTING WITH IPS. This brochure supports the Key Investor Information Document. 1 INVESTING WITH IPS LEGAL & GENERAL INVESTOR PORTFOLIO SERVICE (IPS) INVESTING WITH IPS. This brochure supports the Key Investor Information Document. 2 INVESTING WITH IPS WELCOME TO THE INVESTOR PORTFOLIO

More information

Important information on the main features of the Threadneedle Stockmarket ISA as at 1 November 2011

Important information on the main features of the Threadneedle Stockmarket ISA as at 1 November 2011 Important information on the main features of the Threadneedle Stockmarket ISA as at 1 November 2011 Key Features of the Threadneedle Stocks and Shares (Stockmarket) Individual Savings Account (B) Please

More information

Key features of the smart + stocks & shares ISA from AXA Self Investor

Key features of the smart + stocks & shares ISA from AXA Self Investor Key features of the smart + stocks & shares ISA from AXA Self Investor Important information The Financial Conduct Authority (FCA) is a financial services regulator. It requires us, AXA Portfolio Services

More information

Saving and Investing in ISAs

Saving and Investing in ISAs Saving and Investing in ISAs ISAs are often referred to as tax wrappers. This means that you pay no tax, or less tax than usual, on the income you earn or on the profits you may make on your investments.

More information

Selected Investment Funds (SIF) Stocks and Shares ISA Transfer Form

Selected Investment Funds (SIF) Stocks and Shares ISA Transfer Form HNTRIN Selected Investment Funds (SIF) Stocks and Shares ISA Transfer Form Notes on completing this form Please read the Selected Investment Funds Key Features Document, Terms and Conditions, Fund Insert

More information

Savings Interest Rates

Savings Interest Rates Savings Interest Rates The information in this leaflet is correct as at 18 August 2015 This leaflet forms an integral part of our Savings brochure. Loyalty Cash ISA Flexible Saver HSBC Premier Savings

More information

Investment Trust ISA and Savings Scheme Key features

Investment Trust ISA and Savings Scheme Key features Investment Trust ISA and Savings Scheme Key features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator. It requires

More information

ISA and Personal Portfolio

ISA and Personal Portfolio ISA and Personal Portfolio Key Features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator. It requires us, Standard

More information

SUPPLEMENTARY INFORMATION DOCUMENT THE NFU MUTUAL SELECT INVESTMENT PLAN THE NFU MUTUAL SELECT INDIVIDUAL SAVINGS ACCOUNT (ISA) INVESTMENTS

SUPPLEMENTARY INFORMATION DOCUMENT THE NFU MUTUAL SELECT INVESTMENT PLAN THE NFU MUTUAL SELECT INDIVIDUAL SAVINGS ACCOUNT (ISA) INVESTMENTS SUPPLEMENTARY INFORMATION DOCUMENT THE NFU MUTUAL SELECT INVESTMENT PLAN THE NFU MUTUAL SELECT INDIVIDUAL SAVINGS ACCOUNT (ISA) INVESTMENTS SUPPLEMENTARY INFORMATION DOCUMENT The NFU Mutual Select Investment

More information

The New ISA Frequently Asked Questions

The New ISA Frequently Asked Questions 1. The New ISA What is the New ISA? The New ISA Frequently Asked Questions From July 1 2014 all ISAs will become New ISAs (NISAs). This applies to all existing ISAs and new accounts opened after 1 July.

More information

Savings account conditions and information.

Savings account conditions and information. Savings Savings account conditions and information. (For personal savings accounts that are no longer available to new customers.) page heading 1 Savings account Conditions. This booklet contains the conditions

More information

QUICK GUIDE TO ISAs 2014/2015

QUICK GUIDE TO ISAs 2014/2015 INDIVIDUAL SAVINGS ACCOUNTS 2014/2015 An Individual Savings Account (ISA) is not an investment in its own right rather it is a type of account that can be used to undertake tax-advantageous investment.

More information

Platform Key Information Document

Platform Key Information Document SELF-DIRECTED Explicit Pricing Model Platform Key Information Document Including the ISA and Investment Funds Key Features documents The information that follows is accurate to the best of our knowledge

More information

Stocks & Shares ISA Product guide

Stocks & Shares ISA Product guide Stocks & Shares ISA Product guide Your guide to the Stocks & Shares ISA The Stocks & Shares ISA from Friends Life is available through My Money. This guide explains what it is, how it works and aims to

More information

Key Features of the HSBC Child Trust Fund ( HSBC CTF )

Key Features of the HSBC Child Trust Fund ( HSBC CTF ) Key Features of the HSBC Child Trust Fund ( HSBC CTF ) This is an important document. You need to read this before you invest in the HSBC CTF. 1 November 2011 Key Features of the HSBC CTF The purpose of

More information

Savings Interest Rate History

Savings Interest Rate History Savings Interest Rate History From 1 June 2012 to 1 June 2013 Instant Access Limited Access Cash ISAs Children s Accounts Business Accounts Our only focus is you With no shareholders to worry about, our

More information

Stocks and Shares ISA to Loyalty Cash ISA Transfer Form

Stocks and Shares ISA to Loyalty Cash ISA Transfer Form Stocks and Shares ISA to Loyalty Cash ISA Transfer Form Useful Guidance Please complete using black ink and BLOCK CAPITALS. Please initial any alterations, as the use of correction fluid could invalidate

More information

Selected Investment Funds. Terms and Conditions Effective Date 6 April 2016

Selected Investment Funds. Terms and Conditions Effective Date 6 April 2016 Selected Investment Funds Terms and Conditions Effective Date 6 April 2016 2 How to contact us Telephone Call our Customer Service Centre on: 03457 456 123 By textphone for general enquiries: 03457 660

More information

Help to make the most of your savings with an Offset Mortgage

Help to make the most of your savings with an Offset Mortgage Help to make the most of your savings with an Offset Mortgage C M Y K PMS??? PMS??? PMS??? PMS??? Non-printing Colours Laser Non-print 2 JOB LOCATION: Your savings could help you reduce your monthly mortgage

More information

ONLINE INVESTMENTS OUR FUND RANGE AND INVESTMENTS.

ONLINE INVESTMENTS OUR FUND RANGE AND INVESTMENTS. ONLINE INVESTMENTS OUR FUND RANGE AND INVESTMENTS. Why is it important to read this document? This document explains the funds available for you to invest in through our Investment ISA, which is a Stocks

More information

What is an ISA and what benefits does it offer me? 3. What you have to do as an ISA investor 3

What is an ISA and what benefits does it offer me? 3. What you have to do as an ISA investor 3 SIPP ISA Dealing Junior ISA ISA key features The Financial Conduct Authority is the independent financial services regulator. It requires us, AJ Bell Securities Limited, to give you this important information

More information

Key Features Document

Key Features Document Keyfacts Key Features Document Transact Individual Savings Account (ISA) Integrated Financial Arrangements plc A firm authorised and regulated by the Financial Conduct Authority The Financial Conduct Authority

More information

Supplementary Information Document

Supplementary Information Document Schroders Supplementary Information Document April 2015 Schroders are required to provide you with important information to help you decide whether our Unit Trust / OEIC Funds are right for you. You should

More information

NISAs a simple explanation

NISAs a simple explanation NISAs a simple explanation A NISA is a New Individual Savings Account. As the name suggests, these are accounts that can be accessed by individuals (you cannot have a NISA in joint names). ISAs were introduced

More information

WHAT IS CHANGING? 1 JULY 2014 27 MARCH 2014 APRIL 2015

WHAT IS CHANGING? 1 JULY 2014 27 MARCH 2014 APRIL 2015 BUDGET 2014 PENSIONS AND SAVINGS RULES Our simple Q&A looks at the changes happening in the pensions and savings industry and how you may be affected. THE 2014 BUDGET STATEMENT ANNOUNCED SOME SIGNIFICANT

More information

Junior ISA key features

Junior ISA key features SIPP ISA Dealing Junior ISA Junior ISA key features The Financial Conduct Authority is the independent financial services regulator. It requires us, AJ Bell Securities Limited, to give you this important

More information

1 SIMPLE ISA ADVICE SERVICE ISA TARIFF OF CHARGES SIMPLE ISA ADVICE SERVICE

1 SIMPLE ISA ADVICE SERVICE ISA TARIFF OF CHARGES SIMPLE ISA ADVICE SERVICE 1 SIMPLE ISA ADVICE SERVICE ISA TARIFF OF CHARGES SIMPLE ISA ADVICE SERVICE ISA TARIFF OF CHARGES. SIMPLE ISA ADVICE SERVICE ISA TARIFF OF CHARGES 2 We believe good financial advice is key to helping your

More information

ISA and Investment Funds Key Features

ISA and Investment Funds Key Features ISA and Investment Funds Key Features From Standard Life through Standard Life Client Management This is an important document. Please read it and keep for future reference. The Financial Conduct Authority

More information

WHAT YOU NEED TO KNOW ABOUT ISAs

WHAT YOU NEED TO KNOW ABOUT ISAs WHAT YOU NEED TO KNOW ABOUT ISAs How to protect and grow your ISA savings, or use them to generate income ISA Portfolio About MetLife As the UK market leaders in guaranteed retirement solutions, we understand

More information

FTSE 100 Bonus Income Plan 8

FTSE 100 Bonus Income Plan 8 Investment Plans FTSE 100 Bonus Income Plan 8 Option 1 (Annual): Fixed payments of 6.5% per annum, with a potential annual bonus payment of 0.75% gross. Option 2 (Monthly): Fixed payments of 0.52% per

More information

A Guide to NISAs. The Generous Tax Efficient Accounts

A Guide to NISAs. The Generous Tax Efficient Accounts A Guide to NISAs The Generous Tax Efficient Accounts Contents NISAs a simple explanation Who can invest into a NISA? The different types of NISAs available How much can be invested? How long do I need

More information

OUR FUND RANGE AND INVESTMENTS. e-investments

OUR FUND RANGE AND INVESTMENTS. e-investments OUR FUND RANGE AND INVESTMENTS e-investments Why is it important to read this document? This document explains our investments, the funds available, how they are managed, their objectives and the associated

More information

Cash ISA. Key features of our

Cash ISA. Key features of our Key features of our The Financial Conduct Authority is the independent financial services regulator. It requires us, The Co-operative Bank, to give you this important information to help you decide whether

More information

Key Features of the Funds Portfolio and ISA Funds Portfolio

Key Features of the Funds Portfolio and ISA Funds Portfolio Key Features of the Funds Portfolio and ISA Funds Portfolio Global Investment Centre This is an important document. You need to read this before you invest in the Funds Portfolio and ISA Funds Portfolio

More information

ISA and Investment Fund Key features

ISA and Investment Fund Key features ISA and Investment Fund Key features This is an important document. Please read it and keep for future reference. The Financial Services Authority is the independent financial services regulator. It requires

More information

Retirement Investments Insurance Health. Investment Portfolio

Retirement Investments Insurance Health. Investment Portfolio Retirement Investments Insurance Health Investment Portfolio Investment Portfolio from Aviva Whatever your financial needs, Investment Portfolio offers you a wide range of investment options, giving you

More information

Junior Gold, Class C Shares (ISIN Accumulation GB00B39RN474) This fund is managed by Marlborough Fund Managers Ltd

Junior Gold, Class C Shares (ISIN Accumulation GB00B39RN474) This fund is managed by Marlborough Fund Managers Ltd Key Investor Information This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and

More information

first direct shares - stocks and shares ISA (Individual Savings Account)

first direct shares - stocks and shares ISA (Individual Savings Account) first direct shares - stocks and shares ISA (Individual Savings Account) Available to first direct share dealing customers This is an important document. You need to read this before you apply. Contents

More information

Investment Dealing ISA SIPP Investment Plan Investing for Children

Investment Dealing ISA SIPP Investment Plan Investing for Children Investment Dealing ISA SIPP Investment Plan Investing for Children Contents Introduction 3 How can you help me manage my investments? 4 How can I invest? 5 The Investment Plan 6 The ISA 7 The Select Pension

More information

DIRECT LINE INSURANCE GROUP PLC FREQUENTLY ASKED QUESTIONS. The following sets out some frequently asked questions and provides brief responses.

DIRECT LINE INSURANCE GROUP PLC FREQUENTLY ASKED QUESTIONS. The following sets out some frequently asked questions and provides brief responses. DIRECT LINE INSURANCE GROUP PLC FREQUENTLY ASKED QUESTIONS The following sets out some frequently asked questions and provides brief responses. Please read both the questions and answers below and the

More information

Selected Investment Funds (SIF) Plan and SIF Individual Savings Account (ISA) Additional Investment Form and Switch Form

Selected Investment Funds (SIF) Plan and SIF Individual Savings Account (ISA) Additional Investment Form and Switch Form HNBPST Selected Investment Funds (SIF) Plan and SIF Individual Savings Account (ISA) Additional Investment Form and Switch Form Notes on completing this form Please read the Selected Investment Funds Key

More information

Key Features of investing in an Old Mutual Wealth Collective. via an Old Mutual International - International Portfolio Bond

Key Features of investing in an Old Mutual Wealth Collective. via an Old Mutual International - International Portfolio Bond Key Features of investing in an Old Mutual Wealth Collective Investment Account* via an Old Mutual International - International Portfolio Bond For UK Customers *Provided by Old Mutual Wealth Limited The

More information

Key features of the Aviva Stocks & Shares ISA

Key features of the Aviva Stocks & Shares ISA Key features of the Aviva Stocks & Shares ISA Retirement Investments Insurance Health Key features of the Aviva Stocks & Shares ISA The Financial Conduct Authority is a financial services regulator. It

More information

Risk Warning Notice. Introduction

Risk Warning Notice. Introduction First Equity Limited Salisbury House London Wall London EC2M 5QQ Tel 020 7374 2212 Fax 020 7374 2336 www.firstequity.ltd.uk Risk Warning Notice Introduction You should not invest in any investment product

More information

BP Individual Savings Accounts (ISA) 2014/15 Tax Year Application Form

BP Individual Savings Accounts (ISA) 2014/15 Tax Year Application Form HGCRPG BP Individual Savings Accounts (ISA) 2014/15 Tax Year Application Form Notes on completing this form Please read the BP Corporate ISA Brochure and Corporate ISA Terms and Conditions before completing

More information

BAE SYSTEMS PENSIONS BECAUSE PLANNING IS PART OF THE JOURNEY RETIREMENT ACCOUNT GUIDE LEVEL 100+ MARCH 2015

BAE SYSTEMS PENSIONS BECAUSE PLANNING IS PART OF THE JOURNEY RETIREMENT ACCOUNT GUIDE LEVEL 100+ MARCH 2015 BAE SYSTEMS PENSIONS BECAUSE PLANNING IS PART OF THE JOURNEY RETIREMENT ACCOUNT GUIDE LEVEL 100+ MARCH 2015 CONTENTS Where your Scheme benefits come from 4 Your choices affect your retirement account 5

More information

Key features. For customers One Retirement

Key features. For customers One Retirement For customers One Retirement Key features Contents Its aims 02 Your commitment 02 Risks 03 Questions and answers 04 Secure retirement income (SRI) 08 Other information 11 How to contact us 12 The Financial

More information

The Baillie Gifford Investment Trust ISA and Share Plan. Application Pack BAILLIE GIFFORD

The Baillie Gifford Investment Trust ISA and Share Plan. Application Pack BAILLIE GIFFORD BAILLIE GIFFORD The Baillie Gifford Investment Trust ISA and Share Plan Application Pack WE LOOK FOR QUALITY COMPANIES OFFERING LONG-TERM GROWTH AND AN ONGOING COMPETITIVE ADVANTAGE. Contents 1 Taking

More information

Lloyds Banking Group Share ISA Frequently Asked Questions

Lloyds Banking Group Share ISA Frequently Asked Questions Lloyds Banking Group Share ISA Frequently Asked Questions Contents: How do I calculate the value of my ISA? 2 How do I close my ISA? 2 What price will I get when my shares are sold? 2 Can I set a minimum

More information

PENSION INVESTMENT APPROACHES GUIDE. More detailed information

PENSION INVESTMENT APPROACHES GUIDE. More detailed information PENSION INVESTMENT APPROACHES GUIDE More detailed information OUR COMMITMENT TO YOU We want to do everything we can to help you achieve what you need from your plan. Aiming for investment growth is vital,

More information

BP Individual Savings Account Transfer Application Form

BP Individual Savings Account Transfer Application Form HNTRFP BP Individual Savings Account Transfer Application Form Notes on completing this form Please read the BP Corporate ISA Brochure and Corporate ISA Terms and Conditions before completing this form.

More information

Selected Investment Funds (SIF) Stocks and Shares ISA Transfer Form

Selected Investment Funds (SIF) Stocks and Shares ISA Transfer Form HNTRIN Selected Investment Funds (SIF) Stocks and Shares ISA Transfer Form Notes on completing this form This Application Form should only be used for transferring existing cash ISAs and Stocks and Shares

More information

Unicorn Investment Funds. Open-Ended Investment Company. Supplementary Information Document

Unicorn Investment Funds. Open-Ended Investment Company. Supplementary Information Document Unicorn Investment Funds Open-Ended Investment Company Supplementary Information Document This document is dated 29 June 2015 Issued by Unicorn Asset Management Limited (Unicorn) Unicorn is authorised

More information

Transferring to Alliance Trust Savings

Transferring to Alliance Trust Savings Transferring to Alliance Trust Savings ATS TERMINOLOGY ATS uses some terminology that you may not be familiar with as a Stocktrade client. Here are a few of the main examples to help explain. INVESTMENTS

More information

Key Features of the Stocks and Shares ISA

Key Features of the Stocks and Shares ISA Key Features of the Stocks and Shares ISA Copyright Notice This document is the property of Investment Funds Direct Limited and cannot be copied, modified, or stored on a computer system without the company

More information

Triodos Socially Responsible Investment Funds and Ethical Stocks and Shares ISA. Supplementary Information Document.

Triodos Socially Responsible Investment Funds and Ethical Stocks and Shares ISA. Supplementary Information Document. Freephone: 0800 328 2181 contact@triodos.co.uk www.triodos.co.uk Calls to and from Triodos Bank may be recorded for training and monitoring purposes. Triodos Bank NV (incorporated under the laws of the

More information

WHERE SAVERS COME FIRST. (Issue 3) BEST ISA PROVIDER BEST SAVINGS ACCOUNT PROVIDER

WHERE SAVERS COME FIRST. (Issue 3) BEST ISA PROVIDER BEST SAVINGS ACCOUNT PROVIDER WHERE SAVERS COME FIRST (Issue 3) BEST ISA PROVIDER BEST SAVINGS ACCOUNT PROVIDER The Financial Services Authority is the independent Financial Services regulator. It requires us, BM Savings, a division

More information

Friends Life Investment Bond Guide. Provided by: Brought to you by:

Friends Life Investment Bond Guide. Provided by: Brought to you by: Friends Life Investment Bond Guide Provided by: Brought to you by: Investment Bond Guide CONTENTS Contents Introducing our Investment Bond 3 Investment Bond charges 4 Investment funds 6 Managing your Investment

More information

Savings Interest Rates

Savings Interest Rates Savings Interest Rates Instant Access Savings Account Instant Savings Tracker Account First Home Saver Account Bonus 30 Account Instant Access ISA Direct Saver Telephone Saver Rainbow Savings Account Cash

More information

Simplified Prospectus as at 1 January 2012. Threadneedle Investment Funds III ICVC Retail Class

Simplified Prospectus as at 1 January 2012. Threadneedle Investment Funds III ICVC Retail Class Simplified Prospectus as at 1 January 2012 Threadneedle Investment Funds III ICVC Retail Class Threadneedle Investment Funds III ICVC Retail Simplified Prospectus 1 Contents 1. INTRODUCTION 2 2. FUND INFORMATION

More information

Key Features of the Cofunds Junior Investment ISA

Key Features of the Cofunds Junior Investment ISA Self-Directed Implicit Pricing Model Key Features of the Cofunds Junior Investment ISA This document relates to the Cofunds Junior Investment ISA. This is the only product available on the Cofunds platform

More information

Key features of the smart + Trading Account from AXA Self Investor

Key features of the smart + Trading Account from AXA Self Investor Key features of the smart + Trading Account from AXA Self Investor Important information The Financial Conduct Authority (FCA) is a financial services regulator. It requires us, AXA Portfolio Services

More information

Income and gains generated by ISA investments are exempt from any further UK income tax as well as capital gains tax in the hands of the investor.

Income and gains generated by ISA investments are exempt from any further UK income tax as well as capital gains tax in the hands of the investor. What is an ISA? ISA stands for Individual Savings Account. ISAs have been available since 6 April 1999. An ISA is a scheme for investment managed in accordance with the ISA Regulations under terms agreed

More information

Key Features and Terms and Conditions of the Stocks and

Key Features and Terms and Conditions of the Stocks and Stocks and Shares ISA April 2015 Key Features and Terms and Conditions of the Stocks and Shares ISA This document should be read in conjunction with an up-to-date Key Investor Information Document (KIID)

More information

WHERE EXPERIENCE COUNTS

WHERE EXPERIENCE COUNTS Investment Services Guide Retail & Corporate Stockbrokers WHERE EXPERIENCE COUNTS Our Advisory Investment Services are designed specifically for investors seeking specialist expertise and advice on investments

More information

APPLICATION FORM RETIREMENT ANNUITY TRUST SCHEME

APPLICATION FORM RETIREMENT ANNUITY TRUST SCHEME APPLICATION FORM This form should be used for a Retirement Annuity Trust Scheme. Separate forms are available for charities, trusts, corporate accounts and deceased estates. We are required to obtain the

More information

HSBC InvestDirect Stocks and Shares ISA

HSBC InvestDirect Stocks and Shares ISA HSBC InvestDirect Stocks and Shares ISA Important Information Terms and Conditions Effective from 6 October 2014 2 Important information Introduction: These Terms set out the details of the contract between

More information

KEY FEATURES OF THE INDIVIDUAL SAVINGS ACCOUNT

KEY FEATURES OF THE INDIVIDUAL SAVINGS ACCOUNT KEY FEATURES OF THE INDIVIDUAL SAVINGS ACCOUNT The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information to help you decide

More information

Share Dealing Adult ISAs

Share Dealing Adult ISAs Share Dealing Adult ISAs Adult Stocks and Shares ISA What is a Stocks and Shares ISA? o This is a tax efficient Individual Savings Account that allows you to buy and sell a range of investments o Each

More information

INDIVIDUAL SAVINGS ACCOUNTS (ISAs) Individually crafted investment solutions

INDIVIDUAL SAVINGS ACCOUNTS (ISAs) Individually crafted investment solutions INDIVIDUAL SAVINGS ACCOUNTS (ISAs) Individually crafted investment solutions 01 An Individual Savings Account (ISA) is a tax-efficient investment that allows you to invest a defined amount of money each

More information

Gains on foreign life insurance policies

Gains on foreign life insurance policies Helpsheet 321 Tax year 6 April 2013 to 5 April 2014 Gains on foreign life insurance policies A Contacts Introduction Page 2 Part 1 Types of policy Page 3 What sort of policy do you have? Page 3 When will

More information

Alliance Trust Investments Supplementary Information Document

Alliance Trust Investments Supplementary Information Document Alliance Trust Investments Supplementary Information Document June 2015 This document provides supplementary information about your investment in one or more of the following open ended investment companies:

More information

A simple solution to the investment puzzle. Multi-asset Funds. Ready-made investment funds matched to your attitude to risk

A simple solution to the investment puzzle. Multi-asset Funds. Ready-made investment funds matched to your attitude to risk A simple solution to the investment puzzle Multi-asset Funds Ready-made investment funds matched to your attitude to risk Contents Why Aviva Investors? 2 A simple solution to investing 3 Are these funds

More information