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ISAs explained

Everything you need to know about ISAs

Since they were introduced in 1999, Individual Savings Accounts (ISAs) have proved very popular, helping millions of people save billions of pounds in tax on their savings.

The ISA ‘wrapper’ is versatile. You can open a Cash ISA and save money, and open a Stocks & Shares ISA to shelter any gains you from your investment.

With the annual Capital Gains Tax Allowance now only £3,000 an ISA is the tax smart way to protect any gains you make over the years.

 

  • Why EQi?

    Pricing

    Put your money to work with our flexible ISA

  • EQi explains

    Types of ISA

    Get to known the main types of ISA

  • EQi explains

    Tax and ISAs

    ISAs are one of the most tax-efficient ways to invest

  • EQi explains

    How to invest in an ISA

    Make the most of your annual £20,000 allowance

  • Why EQi?

    Pricing

    Put your money to work with our flexible ISA

  • EQi explains

    Types of ISA

    Get to known the main types of ISA

  • EQi explains

    Tax and ISAs

    ISAs are one of the most tax-efficient ways to invest

  • EQi explains

    How to invest in an ISA

    Make the most of your annual £20,000 allowance

    Investment Risk Warnings

    The value of investments can fall as well as rise and any income from them is not guaranteed and you may get back less than you invested. Past performance is not a guide to future performance.

    EQi does not provide investment advice. If you are in any doubt as to the risk or suitability of an investment or product you should seek advice from an independent financial adviser.

    The extent and value of any ISA tax advantages or benefits will vary according to the individual's circumstances. The levels and bases of taxation may also change.

    The ISA factor

    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.

     

    Three simple ways to start investing in your future


    A lump sum

    Set up a Direct Debit

    Mix and match

    • Fund your Stocks and Shares ISA by making a lump sum payment by Debit Card
    • Make regular monthly deposits into your ISA from as little as £10 a month
    • Open your Stocks and Shares ISA with a lump sum
    • Decide what your long-term goal is
    • Decide what to invest in, for example, into a Fund of your choice each month
    • Top up your payments and investments throughout the tax year
    • Once you are ready, choose what to invest in, from individual companies to Funds and Trusts
    • The cost of a regular investment is £1.50 per trade compared to £10.99 for a one-off trade
    • We’ll keep an eye on the amount you contribute to ensure you don’t exceed your annual ISA allowance

    Insights

    Investing styles: core and satellite investing for your ISA or SIPP

    What's your ISA fit?

    What to do with your ISA allowance amidst market uncertainty

    Five things you should do before the end of the tax year

    SIPP, ISA or both?

    Man standing

    Breaking down investment jargon

    Using diversification to defend your investments

    What you need to know about impact investing

    How to build your perfect portfolio