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Stocks & Shares ISAs

Individual Savings Accounts (ISAs) are a popular and tax-efficient way to grow your savings, whether you are experienced or new to saving and investing. 

With our Stocks & Shares ISA your money can be invested via any of our services, directly into a range of assets such as Shares, Funds or Bonds. This means you can invest in assets that could offer returns above inflation and above equivalent interest rates available through cash ISAs.

Capital at Risk

Please remember as with all investments your money can rise and fall.  Past performance is not an indicator of future returns. Tax treatment depends on individual circumstances and may change in future. 

Who is it suitable for?

Any UK resident aged over 18 is eligible for a tax-free ISA allowance of £20,000 per year, which you can save into a single account like our Stocks and Shares ISA or spread across multiple accounts.

It is one of the most straightforward ways to save tax–efficiently every year and allows savers to build substantial amounts of assets, sheltered from UK income and capital gains taxes.



ISAs can be very tax-efficient and effective long-term savings vehicles. With assets held within an ISA not subject to UK income and Capital Gains Tax, the potential to benefit from the power of compounding is boosted (this is the incremental growth earned on any investment income or investment gains reinvested). 

Withdrawals from an ISA are free of tax and can generally be made at any time.  Some ISA providers offer the flexibility to replace funds withdrawn from the ISA as long as this takes place within the same tax year. 


Compounding Calculator

What to consider?

  • Start saving early. The earlier you start saving, the more time your money has to grow and benefit from compound growth.   
  • Save regularly. Even if you can only save a small amount each month, it will add up over time and can also avoid issues with trying to time investments into the market, by drip-feeding investments through market movements and cycles.
  • Set realistic goals – we recommend investing for a minimum of five years, so your savings have the best chance to grow. If you need to access your funds earlier, it may be better to look for an alternative option.  New investors can learn more here or watch our Killik Explains: Tax Saving Basics - What is an ISA? video.
  • If you need more than one account. Spreading your ISA allowance across multiple accounts could be more challenging to manage than having an ISA account with a single provider and make it harder to keep track of overall investment performance.

Enquire today

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Talk to an Adviser:

+44 (0) 20 7337 0777

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Common mistakes

  • Avoid unplanned or panic withdrawals – withdrawing your money could mean you miss out on the benefit of long-term growth, and unplanned or panic withdrawals at the wrong time, may mean you get back less than you put in, at the time when you need the funds.  
  • Not using your allowance – by not contributing to an ISA or tax-efficient savings wrapper, you are missing the opportunity for your money to grow free of UK income and Capital Gains Tax. 
  • Not diversifying – Don’t invest in a single company stock. By spreading your money across different assets, sectors and geographies, you can reduce the risk of any single area of underperformance. 

Our investing app service

Our app-only service, Silo can be a great option for newer investors or those looking to contribute smaller amounts regularly into an ISA, Junior ISA or General Investment Account.

Anything you save into the app is invested on your behalf, into one of several low-cost funds, based on your objectives and attitude to risk. Funds offer a convenient and efficient way to invest in a basket of well-diversified investments.

“A Managed service can be a good option during the early years of investing, whilst building knowledge and experience.”

Mike Pate


Why choose us?

A Stocks & Shares ISA allows you to invest in a wide range of shares, funds, investment trusts and bonds, giving your savings the chance to grow.  

Here at Killik & Co we can manage your investments on your behalf or provide you with the market expertise and counsel to allow you to manage them independently. 


Contact us