Compare our ISAs
| FTSE All-Share Tracker ISA | Climate Change ISA | Bond and Gilt ISA | Cash ISA | |
|---|---|---|---|---|
| ISA in brief | Passively managed (tracks the movement of the overall FTSE All-Share Index)
Spreads your investment across every one of the 600+ companies listed on the London Stock Exchange | Actively managed fund (aiming to outperform the overall stock market)
Invests in companies with high growth potential and a lighter than average environmental footprint | Invests in lower risk corporate bonds and government gilts | Just like a normal deposit account - but you don't pay tax on interest earned |
| Aim of the ISA | Make your money grow | Make your money grow | Provide a regular income | Earn interest without risking your money |
| Potential risk and return | Higher risk than our Cash ISA and Bond and Gilt ISA but potential for higher returns Lower risk than our Climate Change ISA but without its potential to outperform the UK stockmarket | Higher risk than our other three ISAs with the potential for higher returns | Lower risk than our FTSE and Climate Change ISAs, but with less growth potential than either Higher risk than our Cash ISA | No risk, but offers less long-term growth potential than our other 3 ISAs |
| How long should I invest for? | With stocks and shares ISAs the value of your money can go up and down. It's recommended you only invest if you can afford to leave the money invested for at least 5 years | With stocks and shares ISAs the value of your money can go up and down. It's recommended you only invest if you can afford to leave the money invested for at least 5 years | With stocks and shares ISAs the value of your money can go up and down. It's recommended you only invest if you can afford to leave the money invested for at least 5 years | There is no risk, so you can choose any period that suits you |
| What is the minimum investment? | Minimum investment of £1 as either a lump sum or regular amount | Initial lump sum minimum of £500 and subsequent sums of at least £100. Or regular monthly savings of £50 or more | Minimum investment of £1 as either a lump sum or regular amount | Minimum investment of £1 as either a lump sum or regular amount |
| What is the maximum investment? | You can invest up to £10,200 this tax year. | You can invest up to £10,200 this tax year. | You can invest up to £10,200 this tax year. | You can invest up to £5,100 this tax year. |
| What are the charges? | 1% annual management charge | 1.75% annual management charge
Performance bonus if the fund exceeds key benchmarks in investment returns | 1% annual management charge | No charges |
| A good choice if... | ...you are looking for an investment that will track overall stock market growth | ...you are looking for a fund that aims to outperform the stock market - and are prepared to take a higher risk to aim for that return | ...you are looking to reduce the risk of your investment or you want to earn an income from it | ...you don't want to take any risk with your money - but want the benefits of tax-free saving |
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