Individual Savings Accounts (ISAs)

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.

Benefits?

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 Some ISA providers offer the flexibility to replace funds withdrawn from the ISA as long as this takes place within the same tax year.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.

Talk to an Adviser:

+44 (0) 20 8051 3095

Email us:

[email protected]

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

Awards & Testimonials

James Dunn

Partner, Head of Investment Managers

"Through his extensive knowledge and experience, he is able to advise and guide in all investment and savings matters, and explain clearly to someone with little knowledge in these matters."

Alison, East Sussex

Bronwen Horton

Senior Wealth Planner

"I have worked with Bronwen for over two years, and I could not have had a better person to help me with Wealth Planning. Knowledgeable, efficient, empathetic and an extremely effective communicator - with a good sense of humour. Investment help and advice, especially for busy working women, is so important and Bronwen has given me that advice in spades."

Penny Noble

Jonathan Drysch

Partner, Associate Planning Director

"In recent years, my family have needed a comprehensive understanding of our complicated financial landscape. We wanted to optimise returns on our savings and formulate a robust plan for retirement and provide financial support to the wider family. Jonathan and his dedicated team have played a pivotal role in bringing a conclusive end to this journey, offering invaluable insights and strategic solutions. We extend our sincere gratitude and anticipate a valued partnership for the future."

Client of Jonathan Drysch

Paul Martin

Partner, Esher Branch Manager

"Taking time to really understand my requirements now and later in life, my approach to risk, and the lifestyle I hope to maintain. Paul explains the markets and his investment decision in layman's terms which inspires confidence in his advice."

Lisa, London

William Stevens

Partner, Head of Financial Planning

“The advice and perspective received from the entire team at Killik & Co during the planning process has been exceptional. I have much greater clarity and a renewed sense of confidence in my financial future and retirement thanks to their efforts.”

Wealth Planning Client