ISAs are a tax-efficient way to save because you pay no tax on the income and growth. That’s why many people choose to maximise their ISA allowance every year.

In 2019/20, you can save up to $20,000 – in a lump sum or spread out over the financial year. You can save in a cash ISA, a stocks & shares ISA, an innovative finance ISA, a help to buy ISA, a lifetime ISA – or a combination of these. Here, we offer cash, help to buy and stocks & shares ISAs.

The benefit of choosing a stocks & shares ISA is it gives you access to a diversified range of investments. This means it has the potential to give you a better return than a cash ISA. Of course, along with the potential for greater returns comes an increased risk – and this means you may not get back what you invest.

Is investing worth the risk? You can read our article on risk to find out more. If you don’t want to take any investment risk, you can explore our range of cash ISAs.

Your stocks & shares ISA options

Investing in a stocks and shares ISA is a 2-step process. First, you choose your investment. Then you specify that you want to hold that investment in an ISA to make sure you don’t pay tax on any income or capital gains you receive.

Whether you’re new to investing or already an expert, we can help you find the way to invest that meets your level of knowledge and confidence.

Get investment advice

Simply tell us about your finances and for a one-off fee, we’ll recommend an investment option that’s right for you. Start investing with just $1,000.

See our advice options  

Choose a portfolio

Browse a range of multi-asset, professionally-managed and globally diversified portfolios to find one that meets your preferred level of risk.

Choose a portfolio  

Choose your own funds

Through our online fund platform, Global Investment Centre, you can research and buy your own funds, and monitor your investments via your online banking.

Invest in funds  

Choose your own shares

With our online sharedealing service, InvestDirect, you can buy and sell shares, using tools to help you make informed investment decisions. 

Invest in shares  

When investing, bear in mind that the value of investments and any income they generate can go down as well as up. This means you may not get back what you invest. Investing should be seen as a medium-to-long-term commitment so you should aim to invest for at least 5 years.

Remember, the value of any tax benefits described depends on your individual circumstances, and tax rules may change in the future.

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