At Standard Life Self Investor, we offer 2 types of account: a Stocks and Shares ISA and a Trading Account. You can get started from just £50 per month or with an initial lump sum of £500 or more.
A Stocks and Shares ISA is a tax efficient way of investing; you can invest up to £20,000 for the 2018/19 tax year. Tax benefits may change in the future. Your personal circumstances also have an impact on tax treatment.
Unlike an ISA, there's no maximum limit to how much you can invest in our Trading Account (also known as a General Investment Account), and you have access to our full range of investment funds.
|Features||Stocks and Shares ISA||Trading Account|
|Invest up to £20,000 for the 2018/19 tax year||√||x|
|Invest an unlimited amount||x||√|
|Choose from over 1,250 funds||√||√|
|Minimum monthly payment of £50||√||√|
|Minimum initial lump sum payment of £500||√||√|
|Transfer in from another provider||√||√|
|No cost to transfer in or out||√||√|
|No transaction fees||√||√|
* This does depend on your personal circumstances and if you’ve used your Capital Gains Tax (CGT), Dividend and Personal Savings Allowances to cover the growth and distributions you receive from your investments. Tax benefits may change in the future.
Please remember that the value of a Stocks and Shares ISA and a Trading Account can fall as well as rise and you could get back less than you invest.
If you transfer as cash you'll be out of the market until the transfer is complete. You won't lose out if the market falls but your money won't be subject to any income or growth if the market rises in this period.
If you're transferring funds you'll remain invested during the transfer. You'll be unable to switch or sell these funds while the market falls or rises during this time.
If you're thinking about transferring your existing ISAs or investments we can help. Our dedicated team offer a hassle free transfer service.
Our ISA calculator can give you a quick indication of how much a Stocks and Shares ISA investment might be worth in the future.
We're committed to keeping our pricing transparent, so you'll always know exactly what you're paying for, with no hidden charges. That's our crystal clear price promise.