Individual Savings Accounts (ISAs)

ISAs are tax efficient savings accounts. They come in two types - Cash ISAs and Stocks and Shares ISAs

Cash ISAs

• Annual allowance of £5,100 per person over 16
• Guaranteed not to fall in value so good for cautious investors
• Offer tax free interest
• No capital gains tax or income tax on withdrawals
• Income does not count towards personal allowance

Stocks & Shares ISAs

• Annual allowance of up to £10,200 per person over the age of 18 (including Cash ISA allowance so if £3,000 of Cash ISA used £7,200 available for Stocks & Shares)
• Invests in Stocks and Shares so good for investors looking for returns ahead of inflation with at least 5 years to invest
• Underlying investments grow virtually free from tax
• No capital gains tax or income tax on withdrawals
• Income does not count towards personal allowance

Why Should I Use My ISA Allowance?

• Save tax, save time and save money when investing in an ISA through Heritage. It offers market beating savings, more choice and it's easy to manage.
• You can invest new money; either by lump sum or setting up a regular savings plan to invest a little each month.
• You can also re-register or transfer existing ISAs (including Cash ISAs) to Heritage Financial Services and benefit from having all of your investments in one place.

How Do I Invest?

Step 1: Complete the appropriate Investment Questionnaire depending on whether or not you wish to receive an income from your investments.

Step 2: We will check through your questionnaire, assign you a client number and email you links to the appropriate product application form(s) and compliance documentation.

Step 3: Upon receipt of your completed documentation and funds, we will invest your monies into the recommended products as per your stated risk profile.

Step 4: Once the policy is set up, we will provide our excellent ongoing support package. For more details, click here.

Why Invest with Heritage?

Heritage offer a great range of investment with market leading savings, excellent initial support and ongoing product management. Click here for further details.

The value of investments can go down in value as well as up. It is therefore important that you understand the risks and commitments. So you can make informed decisions yourself we aim to provide you with the best information, best service and best prices. If you are unsure about the suitability of an investment please contact us for advice.