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Stocks and Shares ISA


Flexible tax-efficient saving with tax-free withdrawals and final lump sum

Key features of the Shepherds Friendly

Stocks and Shares ISA

  • Growth occurs through a share of the profits of the Shepherds Friendly With-Profits fund, free from income tax and capital gains tax – giving great potential for long-term growth
  • Transfers-in are accepted on completion of a transfer form
  • Invest up to their maximum annual ISA allowance
  • Combine with their Help to Buy or Cash ISA – offering clients an additional tax-efficient savings opportunity
  • Monthly investments from £30 a month and/or lump sums of £500 for your first payment and £100 at a time thereafter
  • Flexible and accessible – clients can stop, start, raise or lower their investment levels whenever they wish
  • Withdrawals available at any time, subject to a minimum remaining balance in the ISA of £100
  • Invested in Stocks and Shares – long-term aim of achieving higher growth than cash-based ISAs

Further information

Our Stocks and Shares ISA offers your clients a tax-efficient way to save for their future. The money they invest and its growth are free from income tax and capital gains tax. Access to their cash at any time, as well as the lump sum at the end of the plan, are also tax-free. Applying is quick and easy and transfers-in are accepted. Following the 2015 rule changes, clients can choose to spread their total allowance across a mix of stocks and shares and cash ISAs or invest the total allowance in one or the other.

IMPORTANT THINGS TO CONSIDER

  • Bonus rates vary from year to year depending on the performance of our investments and in some years we may not pay out any at all
  • HM Revenue and Customs may change the tax status of an ISA in the future
  • Inflation and making regular withdrawals may affect the purchasing value of your client's investment in the future
  • In poor investment conditions we may apply a Market Value Reduction (MVR) (please see the ISA Key Features document)

To apply for a Shepherds Friendly Stocks and Shares ISA please call us on 0161 495 6495 or apply online today.

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