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An ISA that works as hard as you do

Make the most of your £20,000 ISA allowance with an actively managed Click & Invest Stocks and shares ISA, designed around you and positioned to grow your money.

Terms and conditions apply

With investment your capital is at risk.

Why a stocks and shares ISA?

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 (2018/2019) a Click & Invest ISA could be right for you.

You have until the 5th April to use your annual ISA allowance

to open an account and make the most of your £20,000 ISA allowance.

Tax efficient
Tax breaks on investment gains mean that you keep even more of your profits.
Flexible
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.
Convenient
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.

How investing could benefit you

Although storing money in a savings account may seem sensible, over the long term inflation can eat away at your savings. Investing your money over the long term can help to protect from this wealth erosion, so that your investments are positioned for growth.

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.

Find out more about our ISA

  • Can I withdraw my money at any time?

    Yes, it’s free and simple for you to withdraw your money from Click & Invest at any time, and you can also transfer a Click & Invest ISA to another provider should you wish.

  • Can I transfer an existing ISA to Click & Invest?

    Yes, you can transfer an existing cash ISA or stocks and shares ISA to Click & Invest. Transferring ISAs from previous years will not count towards your ISA allowance for this year.

  • Can I have more than one ISA?

    Yes, in any tax year you can open one cash ISA and one stocks and shares ISA. If you have already opened a stocks and shares ISA this year, it’s possible to transfer it to Click & Invest.

  • What will I pay?

    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.

  • Where is my money held?

    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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