An ISA allows you to invest up to £20,000 per year and any gains are tax-free
Some EQi customers have built ISA portfolios worth more than £1 million
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How a flexible ISA can work for you
A Stocks and Shares ISA allows you to invest up to £20,000 per year and any gains are tax-free. Plus, we are one of the few providers to offer a flexible ISA.
It means that with an EQi ISA, you have the freedom to withdraw money, and pay it back in the same tax year, without it counting against your annual £20,000 allowance.
Over the last 118 years, UK equities returned 5.1 per cent on average per year and cash returned 0.7 per cent* – and these are 'real rates of return', which means after adjusting for inflation.
With a flexible Stock and Shares ISA, you can invest up to £20,000 in each tax year and you won’t pay Capital Gains Tax on any profits you make. Plus, your dividends are tax-free, too.
You can invest in companies from around the globe and in funds which offer a basket of ready-made investments.
With a regular ISA, if you subscribe £15,000 and then take £5,000 out, your annual subscription won’t adjust – it will remain at £15,000. This means adding another £5,000 would result in you reaching your annual allowance – even though your ISA would contain only £15,000.
With EQi’s flexible ISA, if you took out £5,000, your ISA subscription readjusts to show the amount subscribed as £10,000. You’d be able to add a further £10,000 into the ISA before reaching your annual allowance.
If you want the freedom to withdraw and replace funds during the year without it counting against your tax-free allowance, you should think about a flexible ISA
Over the years a number of developments have made ISAs even more attractive. And now, we have the flexible ISA. Finance journalist Holly Thomas delves in to what flexible ISAs are all about.