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Stocks and Shares ISAs

If you want to boost your future savings, a Stocks and Shares ISA could prove a key step. Here’s why…

Why invest in a Stocks and Shares ISA?

Tax efficiency

You don’t pay income tax, capital gains tax, or dividend tax on any returns you make. 

Flexibility

Access to a range of investments, such as stocks, cash, bonds, and property.

Potential for higher returns

Over time, investing could get your money working harder compared to money held in savings accounts.

Stocks and Shares ISAs explained

What is a Stocks and Shares ISA?

A Stocks and Shares ISA (Individual Savings Account) is an investment ISA. It’s often seen as a popular way to invest because of its tax-free benefits.

How does a Stocks and Shares ISA work?

Each tax year (6 April one year to 5 April the next), you get an ISA allowance. For this tax year, it’s £20,000. So, if you invest up to this amount into a Stocks and Shares ISA, you won’t pay tax on any returns you make. 

Is a Stocks and Shares ISA right for you? 

Investing into a Stocks and Shares ISA over time could have a positive impact on your overall investment return. You need to be prepared to invest your money for a least five years and feel comfortable with some risk to your money.

How much money do I need to invest through Skipton? 

Unlike many banks and building societies, you only need £20,000 to invest through Skipton – or be able to invest £500 each month.

How do I open a Stocks and Shares ISA through Skipton? 

It’s easy to get started – simply fill in the call back form below, and one of our team will get in touch to arrange your free initial consultation.

Here’s how we’ll help you throughout the process:

  • Starts with a free consultation: after your initial chat, if we agree that financial advice is right for you and you'd like to move forward, we’ll book an appointment for you with one of our financial advisers. They’ll take you through everything you need to open your Stocks and Shares ISA.
  • Tailored advice, backed by research: when it comes to getting the most from a Stocks and Shares ISA, it’s all about choosing one that’s right for you. And that’s where we can help – our in-house team of experts research the market to develop a panel of investment options.
  • Personalised recommendations: your adviser will listen carefully to what you want from your money so they can recommend a Stocks and Shares ISA that’s best suited to your needs and goals. 

There’s no upfront cost to have a review with us. You’ll only pay a charge if you decide to act on our advice – and there’s no pressure at all to take a recommendation.

Stock market based investments are not like Building Society savings accounts. The value of your investments and any income can go down or up and you may get back less than you invest.

The way your investment is taxed depends on personal circumstances. Tax rules may change in the future.

Request a call back

Thinking about opening a Stocks and Shares ISA? Just fill in our call back form and we’ll arrange your free initial consultation.

  • This is a free chat to get to know your situation and what you want to achieve with your ISA.
  • You can ask questions to find out how we could help and support you.
  • You’re under no pressure to take things further – it’s completely up to you.

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