Take it easy...

with one of our ready-made
Stocks & Shares ISAs

Virgin Stocks and Shares ISA
Why pay tax on your investments?

Why Virgin Money?

We've created a range of six ready-made funds, from lower risk to more adventurous.

All you need to do is kick back and pick the one that suits you.


  • Six funds to choose from
  • No hidden charges
  • 24/7 online service
  • Customer offers from the Virgin group and beyond

There are stocks and shares ISAs and there are Virgin Money Stocks and Shares ISAs

Making banking better

If you are looking for a higher potential return than a savings account, are willing to accept that your money is at greater risk and are prepared to invest for at least five years, a stocks and shares ISA could be the right choice for you.


  • You can pay in up to £15,240 this tax year*
  • You won't pay tax on the growth in value or income you receive from your investment
  • Pay in lump sums, regular monthly amounts and transfer in other ISAs
  • Annual ongoing charges apply

Remember, the value of investments can go down as well as up and you may get back less than you invest. This is a medium to long-term investment so you should be prepared to invest your money for at least five years. Tax depends on your individual circumstances and may change in future.

 

Six simple funds

When you open a Virgin Stocks and Shares ISA your money is invested in our funds. We have created six funds, each of which invests in either 'company shares', 'bonds and gilts', or a mixture of each (these are known as 'assets'). By mixing these assets our funds have varying levels of risk and potential reward across the categories, so you can decide how much risk you are prepared to take with your money in pursuit of investment growth.

Each of our funds falls into one of three categories, with increasing investment risk and potential reward. The three categories are:


Bonds and gilts - funds that invest in bonds and gilts only

Mixed - funds that invest in a mixture of bonds and gilts and company shares

Share-only - funds that invest in company shares only



Risk and potential reward

Graph to show risk and reward across our fund categories. From left to right; Bonds and Gilts - which includes Virgin Bond and Gilt Fund. Mixed Funds - which includes Virgin Bond, Gilt and UK Share Fund and, Virgin Bond, Gilt, UK and Overseas Share Fund. Share-only Funds - which includes Virgin UK FTSE All-Share Fund, Virgin Global Share Fund, and Virgin Climate Change Fund.

The above diagram is for illustrative purposes only and is not intended to be an accurate representation of the actual risk or potential reward of our funds.

 

Choose your fund

Bond and Gilt 100% pie chart
Bond and Gilt pie keyBonds and Gilts

Virgin Bond and Gilt Fund

  • Our lowest risk fund. Puts all your money into fixed income investments such as gilts and corporate bonds
  • Annual ongoing charge of 1% of the value of your fund
  • Consider this fund if you are looking to reduce the risk of your investment or want to earn an income from it
Find out more about the Virgin Bond and Gilt Fund
Level of risk and potential rewardGraph to show risk and potential reward, from least to most. Virgin Bond and Gilt fund sits in 'Bonds and Gilts' which is the first fund category out of three categories.
Bond, Gilt and UK Share fund pie chart showing 50/50 split
Bond and Gilt pie keyBonds and Gilts
UK Shares pie keyUK Shares

Virgin Bond, Gilt and UK Share Fund

  • Invests half your money in corporate bonds and government gilts and half in UK company shares
  • Annual ongoing charge of 1% of the value of your fund
  • Consider this fund if you are looking to grow your money, but don’t want to invest it all in shares
Find out more about the Virgin Bond, Gilt and UK Share Fund
Level of risk and potential rewardGraph to show risk and potential reward, from least to most. Virgin Bond, Gilt and UK Share Fund sits in 'Mixed' which is the second fund category out of three categories.
Chart to show Bond, Gilt, UK and Overseas Share Fund 25%, 25%, and 50% split
Bond and Gilt pie keyBonds and Gilts
UK Shares pie keyUK Shares
Overseas Shares pie keyOverseas Shares

Virgin Bond, Gilt, UK and Overseas Share Fund

  • Invests a quarter of your money in corporate bonds and government gilts, half in UK shares and a quarter in developed overseas stock markets
  • Annual ongoing charge of 1% of the value of your fund
  • Consider this fund if you are looking to grow your money by investing in a range of different types of investments
Find out more about the Virgin Bond, Gilt, UK and Overseas Share Fund
Level of risk and potential rewardGraph to show risk and potential reward, from least to most. Virgin Bond, Gilt, UK and Overseas Share Fund sits in 'Mixed' which is the second fund category out of three categories.
Pie chart to show Virgin UK FTSE All-Share Fund 100%
UK Shares pie keyUK Shares

Virgin UK FTSE All-Share Fund

  • Invests your money in every one of the 600+ companies listed on the UK FTSE All-Share Index
  • Annual ongoing charge of 1% of the value of your fund
  • Consider this fund if you are looking to benefit from the long term growth potential of the UK stock market
Find out more about the Virgin UK FTSE All-Share fund
Level of risk and potential rewardGraph to show risk and potential reward, from least to most. Virgin UK FTSE All-Share Fund sits in 'Share Only' which is the third fund category out of three categories.
Chart to show Virgin Global Share Fund 25%, 25%, and 50% split
Emerging markets pie keyEmerging Markets
UK Shares pie keyUK Shares
Overseas shares pie keyOverseas Shares

Virgin Global Share Fund

  • Invests half your money in developed overseas stock markets, a quarter in shares in UK companies and a quarter in emerging markets in countries such as China and Brazil
  • Annual ongoing charge of 1% of the value of your fund
  • Consider this fund if you are looking to grow your money by investing in the shares of companies from around the world
Find out more about the Virgin Global Share Fund
Level of risk and potential rewardGraph to show risk and potential reward, from least to most. Virgin Global Share Fund sits in 'Share Only' which is the third fund category out of three categories.
Chart to show Virgin Climate Change Fund 100% split
Shares in lighter footprint companies
Shares in lighter footprint companies

Virgin Climate Change Fund

  • This fund is actively managed and invests in selected companies that aim to drive growth and are environmental leaders in their industry
  • Annual ongoing charge of 1.86% of the value of your fund. There may also be a performance related fee if the fund outperforms the benchmarks set. This will be reflected in the unit price
  • Consider this fund if you are looking for a fund that aims to provide capital growth while at the same time being better for the planet
Find out more about the Virgin Climate Change Fund
Level of risk and potential rewardGraph to show risk and potential reward, from least to most. Virgin Climate Change Fund sits in 'Share Only' which is the third fund category out of three categories.

Compare our funds

With a Virgin Stocks and Shares ISA you can invest in any or all of our funds and switch between them whenever you like, for no extra charge.

Our range of funds offers different levels of risk and potential reward so you can choose the fund(s) that best meet your needs. Generally, the more risk you are prepared to take with your money the greater the potential reward.

How our funds compare

 

*You can only subscribe to one Cash ISA and one Stocks & Shares ISA in each tax year up to the current combined annual subscription limit of £15,240.

'FTSE®', 'FT-SE®' and 'Footsie®' are trade marks jointly owned by the London Stock Exchange Plc and The Financial Times Limited and are used by FTSE International Limited under licence. 'All-World', 'All-Share' and 'All-Small' are trade marks of FTSE International Limited. The FTSE All-Share Index is calculated by FTSE International Limited. FTSE International Limited does not sponsor, endorse or promote this product and is not in any way connected to it and does not accept any liability in relation to its issue, operation and trading. All copyright in the index values and constituent list vests in FTSE International Limited. Virgin Money Personal Financial Service Limited and Virgin Money Unit Trust Managers Limited have obtained full licence from FTSE International Limited to use such copyright in the creation of this product.