Investment ISA
Help your savings go further by saving tax-efficiently towards your future goals
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Flexible saving from just £30 a month
Whatever your goals are for your savings, you’ll want to know that your money is invested with a company that
has a proven track record. At Shepherds Friendly our mission is to provide simple, value for money financial
solutions, with the aim of achieving the best possible returns on your investment.
With cash interest rates at record lows, you could find that a Investment ISA gives you better returns.
We aim to pay an annual bonus to help your savings grow, although as with any investment this is not guaranteed.
So whether you’re saving for a holiday, a new car or a new home, take advantage of your £20,000 annual ISA
allowance to make the most of your savings.
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Overview
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Fund performance
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Why us?
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Apply Online
How you can pay into our ISA:
Make regular monthly payments
Set up a monthly Direct Debit payment starting from £30 or more a month, which you stop, start, raise or lower whenever you like to suit your circumstances. You can then add lump sums to your investment when you please, as long as you remain within the annual ISA allowance.
Pay in a one-off lump sum
If you’ve got a lump sum you want to invest then you can open an ISA with a single payment. Your lump sum can be anywhere between £500 and £20,000, and you can add further lump sums as and when you please. If you want to start making regular payments once the plan is open then you can do that too.
What's different about how we invest?
Our investment strategy is based around simplicity for our members, and ensuring that we keep their money protected while aiming to grow their investment via annual bonuses. To achieve this we adopt a medium to low risk strategy, which aims for steady growth, and is achieved through a process known as smoothing. However, as with all investments your capital is at risk. You can find out more about how we invest in the fund performance tab.
Find out more about our Investment ISA
Combine with your Help to Buy ISA or cash ISA
You can open our ISA regardless of any other ISAs you already have, unless you have already paid into another Investment ISA within the current tax year (6th April to 5th April), or you have used this tax years ISA allowance of £20,000. This means that you can combine it with your cash ISA or your Help to Buy ISA to further your tax-efficient savings.
Save on tax
If you save into a normal savings account then any growth or interest could be subject to capital gains and income tax. Our tax-efficient ISA shields your savings from both of these taxes, helping you to make your money go further.
More potential for growth
Historically investing has produced higher returns than saving in cash*, and this means that there is more potential to grow your money in a Investment ISA than a cash ISA. However you should remember that past performance is not a guide to how our ISA will perform in the future and that your capital is at risk.
Our members love us
Our commitment to responsible investing combined with our personal approach to all of our members, have led our members to rate us as ‘excellent’, and are the reasons why 9 out of 10 of them would recommend us to a friend. You can see more member reviews by visiting our ‘Why Us?’ tab.
We’re a mutual and we’re here for you
From our excellent customer service where you’ll always speak to a real person**, through to the fact that you get a say on how the company is run, we know that our members feel valued and get an experience that they expect from a modern mutual society with almost 200 years worth of experience.
Free shopping voucher when you take out a plan
Need more information?
You can use the tabs at the top of this page to find out more about the plan. We also have a handy infographic that helps to explain more.
If you still have questions about the plan then we’ve put together a useful list of FAQ’s.
Otherwise, please feel free to get in touch with our Customer Service team who will be happy to answer any questions you have or to run through the application with you.
SF_PHONE_NUMBER
info@shepherds.co.uk
You can call us any time between 9am - 5pm Monday to Thursday or 9am - 4pm Friday.
Ready to get started?
Before you start your application, please make sure that you have read and understand the following documents:
Transfer Existing ISA
Important things to consider
- Past performance cannot be taken as a guarantee of future returns.
- Bonus rates vary from year to year depending on the performance of our investments and in some years we may not pay out any at all.
- HM Revenue and Customs may change the tax status of an ISA in the future.
- Inflation and making regular withdrawals may affect the purchasing value of your investment in the future.
- In poor investment conditions we may apply a Market Value Reduction (MVR).
*Barclays Equity Gilt Study 2016
**During normal working hours; Monday to Thursday, 9am to 5pm and Friday, 9am to 4pm
When you take out an investment product with us your capital is at risk and you may get back less than you have put in.
All references to taxation are to UK taxation and are based on Shepherds Friendly Society's understanding of current
legislation and H M Revenue and Customs practice which may change in the future. Investment growth is by means of bonuses,
the amount of which cannot be guaranteed throughout the term of the contract. Please ensure that you read the full terms
and conditions of this plan which are available from your financial adviser or by contacting us directly.
Please note: No advice has been provided by Shepherds Friendly. If you are in any doubt as to whether a plan is
suitable for you, we recommend getting in touch with a financial adviser, who will be happy to take you through what options are available. Should
you consult a financial adviser there could be a cost involved and you should confirm this cost beforehand.