Stocks and Shares ISAs 

Invest in your future, tax efficiently

Helping you to invest
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Tailored advice on Stocks and Shares ISAs

Stocks and Shares ISAs have been a popular investment option in the UK for over 20 years. They offer a range of tax benefits as well as encouraging long-term growth, allowing for diversified portfolios and providing flexibility in investment choices. There’s a lot to consider before getting started with a stocks and shares ISA - from how to set one up, to the assets you're planning to invest in, it can help to seek professional advice. That's where the team at Lester Brunt come in.

We’ve provided tailored investment advice to clients for over a decade, with a knowledgeable team who can help you find the best options for your investment portfolio. With our expertise and personalised support, you can confidently navigate the world of investments, making informed decisions for the future of your finances. Let us take the complexity out of setting up and managing a stocks and shares ISA. Book a no-obligation consultation or call us on 01202 695 801.

The value of an ISA with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than you invested.

The favourable tax treatment of ISAs may be subject to changes in legislation in the future.

How we work

What is a Stocks and Shares ISA?

An ISA is an Individual Savings Account. A stocks and shares ISA lets you invest in a wide range of financial instruments while enjoying certain tax benefits. Any income generated within a stocks and shares ISA is tax free - this means you don't have to pay income tax on dividends or interest earned from your investments, and you don't have to pay capital gains tax when you sell your investments.

A stocks and shares ISA allows you to invest in a variety of options, including:

  • Individual shares
  • Investment funds
  • Government and corporate bonds
  • Exchange-traded funds (ETFs)
You can transfer your existing Stocks and Shares ISAs to a different provider without losing the tax advantages*. This gives you the flexibility to switch providers if you find better investment options or lower fees elsewhere. Each tax year, there’s a limit on how much you can contribute to your ISA. As of 2023, the limit is £20,000. Unused allowances cannot be carried forward to future years.

* Please note you will be out of the market until the transfer is complete. You won't lose out if the market falls, but you will be unable to switch or sell these funds while the stock market falls or rises during this time.

Helping you get the most out of your stocks and shares ISA

 

In an age where the online world is at our fingertips, why shouldn’t your wealth management be there as well? Our Online Services allow you to access all your wealth investments in one smart place. Whether you’re already registered, or just about to, here are some great features that can help you get the most from your online account.

Online registration:

Registering for Online Services with an activation code allows instant access. If you haven’t got a code, please contact your adviser. Registering online ensures all information is password protected.

Set your preferences:

Set your communication preferences to receive your digital reports and electronic correspondence.

Self-service:

Make online debit card payment for ISA and any JISA top ups with a debit card

linked to your account, on demand and at a time that suits you. Make payments to Unit Trusts, Retirement Accounts and new ISAs. (Speak to your adviser in order to get this process started) View the value of your investments in a range of currencies and see a breakdown of

this valuation. Instant notifications when a new document is available to view.

For every client opting for paperless correspondence, St. James’s Place will donate £5,to the St. James’s Place Charitable Foundation.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

The favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.

Investing in their future:

Less well-known is that children can also have a pension fund as soon as they are born – and setting one up can bring significant tax advantages. Even if your child is a non-taxpayer, they will still get basic-rate tax relief on contributions. That means a maximum of £2,880 a year is automatically grossed up to take account of tax at 25%, giving an annual investment of £3,600

What we offer

Why open a stocks and shares ISA?

Opening a stocks and shares ISA can be a beneficial option for both beginner and seasoned investors. Here are some of the key reasons why:

  • Any income or capital gains generated within the ISA are tax free, which can help you maximise your returns over the long term.
  • You can take advantage of the growth opportunities provided by the stock market. Over time, your investments have the potential to appreciate and generate higher returns compared to traditional savings accounts.
  • You’re not limited to one type of financial instrument. This diversification can help spread your risk across different assets and sectors, reducing the impact of potential losses from any single investment.
  • Whether you prefer a more conservative approach with bonds and funds or want to invest in individual company shares, you have the freedom to tailor your portfolio according to your preferences.
  • Stocks and shares ISAs are well-suited for long-term savings and retirement planning. By consistently investing over time, you can potentially grow your wealth and build a substantial nest egg for the future.
  • If you already have investments outside of an ISA, you can transfer them into a stocks and shares ISA without losing the tax advantages (however, be aware that if it’s an investment outside of an ISA, Capital Gains Tax might be payable if a chargeable event occurs). This allows you to consolidate your investments and enjoy the tax benefits offered by the ISA wrapper.

Stocks and Shares ISAs do not provide the security of capital which is characteristic of a deposit with a bank or building society.

Helping you get the most out of your stocks and shares ISA

At Lester Brunt, we’ve been helping people make the most of their stocks and shares ISAs for over a decade. We’re not just here to open an account for you; we’ll be available to continually offer guidance as and when you need it, throughout your investment journey.

Our approach to investments and financial planning is centred around considering you as an individual. We take into account your risk appetite and lifestyle in order to offer a fully personalised advice with a holistic approach.

Book a no-obligation consultation or call us on 01202 695 801 – we’re always happy to answer your questions and explain our service in more detail, so don’t hesitate to reach out.

 

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.

For more details about services that we offer reach out to us on 01202 695801, or click the button below.

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