Learn more about Stocks & Shares ISAs
As with all ISAs, our Stocks & Shares ISA lets you make the most of your £20,000 tax-free ISA allowance. But how do you know if you're really making the most of it?
At True Potential Investor, we’re committed to making your money do more. We’ve created a set of Fully-Managed Investment Portfolios — that sit within your Stocks & Shares ISA — with unique growth opportunities. We've built industry-first technology to make investing online easy for you to use, including when opening a Stocks & Shares ISA or making an ISA transfer. We’ve done all of this with the aim of giving your investments the potential for better growth and reducing your risk, for today and tomorrow.
How our Fully-Managed Investment Portfolios in a Stocks & Shares ISA do more
Watch our short video to find out how hard your money will work in our Fully-Managed Investment Portfolios.
9,000 experts in 200 locations
With access to more than 9,000 professionals in 200 locations around the world, our expert in-house team makes the investment decisions for our Fully-Managed Investment Portfolios.
Maximise your returns & reduce risk
Our access to a global team of experts with thousands of holdings allows us to blend multi-asset investment strategies and create unique opportunities for growth.
A Fully-Managed Service for you
We'll assess your personal circumstance and attitude to risk to offer you a suitable Fully-Managed Investment Portfolio Service.
See how easy it is to set up a Stocks & Shares ISA with us
Tell us how much you’d like to invest
First, we’ll ask you how much you’d like to invest today, if you’d like to add a monthly investment and how long you plan to invest for. You can change your mind about your monthly amount later and with a Stocks & Shares ISA you can withdraw at any time.
Answer a few questions about your spending habits
We’ll ask you how much you earn and spend each month. This is to make sure you can afford to invest, including any monthly amount you’ve chosen.
Estimate how much is in your emergency fund
We recommend you have around three month’s expenses saved up for emergencies as this can help you avoid taking on short-term liabilities for the unexpected. If you don’t, our Stocks & Shares ISA and General Investment Accounts could be the place to start, as you can access your money in 7-10 days.
Estimate your assets and liabilities
We’ll ask you how much you have in assets, such as a home, savings or other investments. We’ll then balance this against any liabilities you have, for example a mortgage, loan or credit card. If you have more debts than assets it might benefit you to pay these off before investing, especially if the debt is expensive.
Tell us if you’ve invested before
It’s important you understand how investing with us works, including how we manage your money and the potential risks involved. Depending on your experience, we’ll show you some simple explanations to help you learn more about our service.
Take our simple risk assessment
We’ll ask you 11 multiple choice questions about how long you plan to invest for, how you might later withdraw from your account and your attitude to risk and reward. There are no right answers here and we have a range of Portfolios to suit many different types of investor.
View the Portfolio that’s most suitable for you
Based on your score in our risk assessment, we’ll show you a Portfolio that matches your result. You’ll see where in the world we’d spread your money, the fund managers and asset classes we use, and the total cost to you.
Benefits of our Stocks & Shares ISA
Join the thousands of people who have already chosen to invest their money with True Potential Investor.
Global investment team
We have access to 9,000 experts in 200 locations around the world.
Fully-Managed Investment Portfolios
Our expert in-house team manage your investment, so you can leave all the hard work to us.
No transfer fees
Easy to access
Our app has everything you need all in one place so you can track your investments 24/7 from a range of devices.
Unique to True Potential Investor, impulseSave® is a world-first investment feature that allows you to top up your accounts on the go from as little as £1.
Easy to set up
It only takes ten minutes to set up an account with us. Tell us a few details about you and your investment goals and we’ll do the rest.
Common questions about Stocks & Shares ISAs
They’re available from banks, building societies, asset managers and investment providers.
With an ISA, you won’t pay any Income Tax on the interest your ISA generates or the increase in investment value. There are many different types of ISA available, including cash ISAs and stocks & shares ISAs.
How much can I invest in an ISA?
The amount you’re able to contribute to your ISA is limited by the annual ISA allowance.
For 2017/18, you can contribute a maximum of £20,000 during the tax year, which refreshes each year. This allowance can vary depending on the type of ISA.
How many ISAs can I have?
You can have as many ISA accounts as you like, however you can only pay into one Stocks & Shares ISA and one Cash ISA in a tax year.
Your £20,000 a year allowance can be split any way you like between a Stocks & Shares ISA and a Cash ISA.
If you request a withdrawal from True Potential Investor, it takes around 7 working days to sell your investment and transfer the money to your bank account.
Need to find out more about fees? Read our FAQs
Some important information
With investing, your capital is at risk. The value of your investments will rise and fall at times and you could get back less than you invest.