Make the most of your £20,000 ISA tax breaks with an actively managed Click & Invest Stocks and shares ISA, designed around you and positioned to grow your money.
With investment your capital is at risk.
The Click & Invest ISA … why wouldn’t you?
If you want to take advantage of investing your money, but don’t have the time or tools to do it yourself, our leading investment managers can do this for you. With a wealth of experience of your side, and a £20,000 allowance (2019/2020) a Click & Invest ISA could be right for you.
Open an account with a minimum of £2,500 and start investing today.
Tax breaks on investment gains mean that you keep even more of your profits.
Move money in and out of your ISA as you need to, without losing your current annual £20,000 limit or your investment tax breaks.
Open or transfer existing ISAs with one simple online form.
Remember all investment carries risk and it is important you fully understand these risks and are willing to accept them. You may get back less than you invested. The tax advantages of ISAs may change in the future and also depend on your individual circumstances.
Can you afford not to invest?
Although storing money in a savings account may seem sensible over the long-term, inflation can eat away at your savings. Investing your money could offer you higher returns than saving your money in a bank account, and could help protect your money from the erosive effect of inflation.
Graph showing the effects of inflation on ISA values:
How to read this graph
This graph demonstrates the impact that inflation has had on the returns of both Cash ISAs and Stocks and Shares ISAs over a 16 year period (2002 to 2018).
A Cash ISA whilst safer, and delivering more predicable returns, can often be outpaced by the rate of inflation due to low interest rates.
Over a longer time period, investing all or some of your annual £20,000 ISA allowance into a Stocks and Shares ISA could offer you higher returns because your money has the opportunity
to keep up with inflation.
Show with inflation (CPI):
Cash ISA (real terms)
Stocks & Shares ISA (real terms)
Inflation is most commonly measured by the Consumer Price Index (CPI). If CPI is 3%, on average a pint of milk costs 3% higher than a year earlier.
Or, you would need 3% more to buy that same pint of milk compared with 12 months ago.
Source: Cash ISA values are based on the Bank of England ISA dual index. Stocks and Shares ISA values are calculated by the growth of the FTSE All Shares index. Figures refer to past performance and this is not a reliable indicator for future performance.
Cash ISA values (in real terms) are based on the Bank of England ISA dual index, minus inflation at the rate of the Consumer Price Index (CPI). Stocks and Shares ISA values (in real terms) are calculated by the growth of the FTSE All Shares index minus inflation at the rate of the Consumer Price Index (CPI). Figures refer to past performance and this is not a reliable indicator for future performance.
Get an actively managed ISA in a matter of clicks
Your money could be invested and actively managed within just 24 hours from now
A strategy built for you
To build your ISA portfolio in-line with your financial needs and goals, we’ll ask you some initial questions to determine your attitude to investing. From here, we will create your investment portfolio, in line with your risk appetite.
Transfer your initial investment
Opening an ISA is straightforward, convenient and takes less than 20 minutes. Transfer the amount you wish to invest (minimum of £2,500), or with one simple form, transfer over any existing ISAs you have, and we will take it from there.
Check in on your progress
Conveniently access your account online, or via the Investec App to see how your investments are performing at any time. Or if you’d prefer to talk to us, our dedicated team of Click & Invest specialists are on hand to support you 24/7.
Transferring ISA’s from a previous tax year does not affect your allowance. However, if you want to transfer an ISA you’ve paid into this tax year, you have to transfer the whole amount, and it will count towards this year’s ISA allowance.
Click & Invest charges one simple annual management fee. This is calculated and charged monthly. It’s tiered, so depending on how much you invest, you will pay one annual management fee between 0.65%, and 0.35%. You can find out exactly what your fee would be by using our fee calculator.
Unlike some other investment services we won’t charge you for setting up and creating your portfolio, commission, transferring in, withdrawing your money or closing your account.
Assets of clients held in our Group Nominee Company are recorded in such a manner to clearly indicate that they do not belong to the firm. Therefore, in the unlikely event of the insolvency of Investec Group or any of its subsidiaries, a liquidator would be legally prevented from using clients’ assets to settle the firm’s liabilities. As an appointed representative of a firm regulated by the Financial Conduct Authority (FCA), we follow the rules prescribed by the FCA in choosing where stock or cash will be deposited for safe keeping or custody. In relation to cash balances, the FCA client asset rules on most occasions require us to deposit client money in a client account with bank or other credit institution of a type permitted under the rules. The rules also require us to exercise all due skill, care and diligence in the selection, appointment and periodic review of the bank taking into account the standing, expertise and market reputation of the bank.Can I speak to an advisor?
Although we cannot give you financial advice on the phone, our dedicated Click & Invest support team are available 365 days a year, and ready to assist you with any general enquiries you might have about your account.
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