Stocks and Shares ISA

Stocks and Shares ISA

With your short-term savings sorted, it might be time to think about your long-term goals.

An ISA is one of the most tax-efficient ways to save and, if you have long-term goals for your money, you might benefit from investing into a Stocks and Shares ISA.

You don’t pay tax on your investment growth and while there are no guarantees, and you need to be comfortable with the risks involved, investing your money has the potential to produce stronger returns than a cash savings account.

Why invest in a Stocks and Shares ISA

  • Medium to long term investment
    Stocks and Shares ISAs are considered suitable for your medium to long-term financial goals, which could include things like retirement or buying a house. The longer you invest, the more chance your money has to grow. Our financial advisers will recommend investing for at least five years.
  • Stock market linked
    When you invest in Stocks and Shares ISA, your money is linked to the stock market. Typically invested into funds that could include company shares, corporate bonds, property and cash. There are thousands of funds available, so finding suitable Stocks & Shares ISA funds that suit your circumstances might require financial advice.
  • Stocks and Shares ISA risk-and-reward
    As with any investment, the value of your fund can go up and down and you could lose money. Before our advisers make any recommendations for you, they’ll find out how you feel about risk and reward, for example, how much money you’re prepared to risk and how much you could comfortably afford to lose. They’ll also explain that accepting a higher level of risk could mean higher returns, but potentially higher losses too.

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How do I open a Stocks and Shares ISA

You will need to speak with one of our Financial Advisors to invest in a Stocks and Shares ISA. Skipton financial advisers work closely with our in-house technical team to identify funds that match your circumstances and how you feel about risk and reward. A fund manager will also make proactive decisions about how to invest your money, researching the market to find the investments they believe will give you suitable returns.

You can have a face-to-face appointment with a financial adviser at home, in branch or by video chat, which could take up to a couple of hours. Your adviser will take the time to understand your circumstances, goals and how you feel about risk and reward before making any recommendations.

There’s no obligation to act on any advice you’re given, and you’ll only be charged if you act on your adviser’s recommendations. Our charges are competitive and will be explained up front, so there won’t be any surprises later.

Important information

Our recommendations are likely to include stock market-linked investments. These aren’t like building society savings accounts as your capital is at risk and you might get back less than you invest. The value of your investments and any income from them may fall as well as rise. The tax treatment of your investment depends on your individual circumstances and legislation, which both may change in the future.

Get in touch

Webchat

If you’ve got a quick query, drop us a line on web chat and our friendly team will be happy to help you out.

Visit us in Branch

Come and see us at any of our UK branches and we’ll arrange an appointment to talk about your future plans.

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