A Stocks & Shares ISA is a tax-efficient and flexible way to invest in the market.
For the 2016/17 tax year you have an annual allowance of £15,240 which you can put into investments, cash, or any mixture of the two. Any investments you choose to put into an ISA will be sheltered from capital gains tax and any further income tax.
One low cost service fee - which is typically 0.35% on the investments you have with us. Ongoing fund charges will apply. For more more information on service fee tiers please visit our charges and fees page.
Flexibility - allowing you to hold cash as well as investments - so you can hold your money in cash if you are concerned about the market's prospects, and move into investments when you believe they have more potential
24/7 access - via our online Account Management system, and mobile app
A wide choice - we give you access to a wide range of investment options as well as tools to help you find the right funds for you
Great service - we are committed to providing excellent customer service, from our UK-based contact centre to investment guidance on our website
The value of investments can go down as well as up so you may not get back the amount you invest. Please remember, the value of tax savings and the eligibility to invest in an ISA depends on personal circumstances and all tax rules may change in the future. Fidelity Personal Investing does not give advice. If you are unsure of the suitability of an investment you should speak to a financial adviser.
Please note if you have already paid into a Stocks & Shares ISA since 6 April 2016, you will not be able to open another Stocks & Shares ISA before 6 April 2017. You may however make additional payments – up to the £15,240 ISA subscription limit - into your existing account(s).
We do not offer a ‘flexible’ ISA, therefore any subscriptions that you make will count towards the annual limit. The amount subscribed will not be reduced if you make a subsequent withdrawal.
You can open an ISA if you are over 18 years old and a UK resident for tax purposes. Crown employees are also eligible. You can get started with a minimum of £50 per month or £1,000 lump sum.
PathFinder is not a recommendation or advice in respect of a particular investment. Whilst the Select List represents funds that our experts particularly rate, we are not recommending that these funds are right for you. Additionally, you may own a fund that is not listed on The Select List and we are not recommending that you sell it. You must ensure that any fund you choose to invest in is suitable for your own personal circumstances. Fidelity Personal Investing only gives information about products and services and does not provide investment advice based on individual circumstances. If you are unsure of the suitability of an investment you should speak to an authorised financial adviser. You should regularly reassess the suitability of your investments to ensure they continue to meet your attitude to risk, investment goals, and the time horizon for which you want to invest.