Individual Savings Accounts (ISAs) are a tax free savings schemes in two separate components,  Stocks and Shares (SAS) and  Cash Account.  We offer a Stocks and Shares ISA that also allows you to also hold cash as part of your investment strategy. Investments in an ISA are free of capital gains tax.

Personal Equity Plans (PEPs) were introduced back in the 1980’s to encourage investment in stocks and shares.  PEPs were replaced by ISAs when the Government changed and in April 2008  they were merged into stocks and shares ISAs. You can transfer your ISAs that also contain your old PEPs with other managers into our ISAs.

Key features include:

• Low administration fee;

• Flexible charge structure;

• Minimum commission only £10;

• Optional Dividend Re-Investment Plan “DRIP”;

• Optional quarterly income payments direct to your bank;

• Half yearly statements and valuations;

• Free transfers from other managers;

• Interest on cash while you wait to invest;

• Self select plans with maximum flexibility;

• Quarterly ISA & PEP Talk with investment guidance;

• Investment managed and discretionary services also available.

For further information click on any of the links below.(ISA0408)A0408)