Stocks and Shares ISA.

Unlock the full potential of your wealth with a Managed Stocks & Shares ISA. Our investment experts manage and monitor your investments, giving your wealth the best chance to grow.

Build your wealth tax free, your way.

With a Stocks and Shares ISA, you can contribute up to £20,000 each tax year without having to worry about paying any tax on your returns.

At Moneyfarm, we give you the flexibility to choose how you invest with your ISA. You can opt for an expertly managed, ready-made portfolio with globally diversified investments, or you can build your own Share Investing portfolio and select the investments that align with your personal strategy.

In fact, with our versatile Stocks and Shares ISA, you can even

A Stocks and Shares ISA to suit you.

Choose a managed ISA if you want our experts to manage your portfolio for you or choose a Share Investing ISA if you want to pick your own investments.

Managed ISA
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Matched to you
Get matched with an expertly built, fully managed, ready-to-go portfolio. Or for a simpler, low-cost approach, choose a fixed allocation

Transfer an ISA.

All your ISA investments under one roof

Enjoy the convenience of just one home for all your ISA investments, simple, transparent pricing, and one go-to for all your questions. It’s a step towards financial organisation and peace of mind.

Save money on fees

If you opt for our low-cost managed portfolios, our transparent fee structure ensures more of your money goes towards growing your wealth. Plus, consolidating your ISAs means you could save on fees.

Free to transfer

Transferring an ISA to us won’t cost you thing. Just make sure to check with you current provider, as they may charge exit fees.

Transfer an ISA

See how much your wealth could grow.

Discover the untapped potential of your ISA when you invest with us.

The chart shows a projection of the future value of the portfolio based on the expected return for each risk level taking into consideration the expected volatility to calculate more and less likely scenarios. Projections are not a reliable indicator of future performance, and are intended as an aid to decision-making, not as a guarantee. The projection includes the effect of fees, assumes income is reinvested and does not take into account the effects of inflation or tax. As with all investments, the value may go down as well as up, and you may not get back the full amount you invested.

Everything we offer, with transparent pricing.

We all have different goals in life. Whether you’re saving for a dream holiday home, building a retirement nest egg, or putting some money aside for your children’s university fees – we’ve designed investment solutions to meet a wide variety of needs.

Actively Managed
Experience the full benefits of our investment expertise.
Our Asset Allocation team builds your portfolio using cost-efficient ETFs and regularly rebalances it based on your goals and risk profile.

Getting started is easy.

Answer a few simple questions
Discover your perfect portfolio
Invest according to your goals

Get started

More ways to build your wealth.

Explore your other options with us. Whether you're new to investing, more experienced or just looking to diversify, our products are designed to meet a broad range of needs and goals. Take the next step in your financial journey today.

Pension
Retire your way, with an expertly managed pension tailored to your needs and goals. Enjoy up to 45% tax relief, free pension drawdown, and expert guidance when you need it.
Learn more

Investments can go down in value as well as up, and you may get back less than you put in. See our full risk disclosure for details.

take advantage of both strategies

and spread your tax-free allowance across multiple portfolios within your ISA. The choice is yours.

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Enhanced strategies

Level up your Moneyfarm experience with different investing strategies – ESG, Thematic Investing, or Liquidity+, our smart, short-term investment solution.

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Guidance that grows with you.

From digital advice to one-to-one support with a Dedicated Qualified Wealth Manager, our Wealth tiers are designed to give you the right level of guidance as your investment needs grow.

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Transparent pricing

Enjoy simple, clear and transparent fees. Set up your portfolio for free. Learn more

Share Investing ISA

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Direct market access

The choice is yours to invest in a vast array of individual UK stocks, ETFs, and UK mutual funds.

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Long-term investment approach

A service designed for long-term goals. Benefit from the support of our cutting-edge technology and expert guidance from our team of dedicated consultants.

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Personalised investment experience

Align your portfolio with your values and financial goals, one investment at a time. All with a comprehensive view of your investments for effective decision-making.

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Free to open an account

With an ISA, a yearly custody fee of just 0.35% applies. Learn more

Open a Share Investing ISA

Choose an actively managed portfolio to fully optimise your potential for future growth.

Fixed Allocation

Our low-cost, hands-off investing solution.

Our fixed allocation portfolios are built from the same cost-efficient ETFs as our managed portfolios but with a simpler, passive approach to management.

Choose a fixed allocation portfolio for low-cost, passive, long-term growth potential.

Discover fixed allocation ❯

Liquidity+

An ideal solution for short-term cash management and low-risk investing.

Liquidity+ invests in money market funds carefully selected and actively managed by our Asset Allocation Team

Available with a General Investment Account or a Stocks and Shares ISA.

Discover Liquidity+ ❯

Share Investing

The extensive world of stock market investing at your fingertips.

Build your own portfolio by choosing from a vast array of stocks, ETFs, and UK mutual funds.

Also available alongside an actively managed portfolio, for full global diversification and expert management.

Discover Share Investing

General Investment Account

Get more choice and more opportunities with our General Investment Account. Make unlimited contributions, get quick access to your money and even open different portfolios for different goals.

Learn more

Junior ISA

The earlier you start investing for your child, the more time you give their wealth to grow. Our JISA has a £9,000 tax free allowance each year and sustainable portfolio options.

Learn more

Tax treatment depends on your individual circumstances and may be subject to change in the future.

Investment risk refers to the potential for your investments to fluctuate in value. This can mean gains, but it can also mean losses. It’s the trade-off for seeking higher returns over time.

Managing Risk

At Moneyfarm, we work with you to tailor investments that match your financial goals, risk tolerance, and time horizon. Diversification is key: spreading investments across asset classes can help manage risk.

Past and Future Performance

Past Performance: Historical returns are not a guarantee of future outcomes.
- Simulated Performance: Any projections are illustrative and not reliable indicators of actual results.
- Future Performance: Forecasts are speculative and should not be relied upon as guarantees.

How Risk Varies by Product

We offer a range of investment options, each with unique risks:

Stocks and Shares ISAs: While offering tax efficiency, these are subject to market risk and the potential for capital loss.
Junior ISAs (JISAs): Funds are locked in until the child turns 18, and investment values may fluctuate over time.
Self-Invested Personal Pensions (SIPPs): Contributions and withdrawals have tax implications, and pension funds can decrease in value.
General Investment Accounts (GIAs): Flexible but exposed to market volatility and tax on gains.
Share Investing (Brokerage Accounts): Investments in individual stocks or shares carry high market risk, as prices can be volatile and are influenced by company performance and broader market conditions. Diversification is essential to help manage this risk.

Types of Investment Risk

Capital Risk: The value of your investments may decrease, meaning you could get back less than you invest.
- Market Risk: Prices of investments can fluctuate due to market conditions, economic changes, or global events.
- Inflation Risk: If your returns don’t outpace inflation, your buying power may decline over time.
- Liquidity Risk: Some investments may be harder to sell quickly without affecting their value.
- Performance Risk: Returns can vary between funds, even with similar objectives, depending on the strategy and market conditions.
- Interest Rate Risk: Changes in interest rates can impact investment returns, particularly for bonds and fixed-income securities.

Your Role as an Investor

Understanding your risk tolerance and financial objectives is crucial. Holding your investments over the long term can help mitigate short-term market fluctuations.

Firm Failure & FSCS Protection

Moneyfarm is a FCA regulated investment firm and it is required to ring-fence all your money, which means legally binding agreements ensure that your money belongs to you and cannot be accessed or used by us, the bank or anyone else, even in the event of firm failure. In addition, as an investment firm, in the unlikely event of our collapse due to mismanagement or insolvency, if we are unable to return funds or assets, the FSCS covers losses up to £85,000 per person. Further information about FSCS protection is available here."

Stocks and Shares ISA

General Investment

Managed GIA

Frequently asked questions.

What is flexi-ISA?

From 6 April 2016 onwards, investors have been able to withdraw money from a Cash ISA or a Stocks & Shares ISA and put it back in without losing that part of their allowance, provided they do so within the same tax year.

At Moneyfarm, this means that any disinvestment (withdrawal) will effectively top up your available ISA allowance for the current tax year, allowing you to reinvest those funds at a later date without eroding your annual limit. Find out more about Flexible ISAs.

What’s the difference between a Cash ISA and a Stocks & Shares ISA?

Take a look at our handy guide to see the different types of ISAs you can select so that you can choose the best one depending on your needs and situation.

Should I choose a SIPP or an ISA for retirement?

Different investment accounts are suited to different financial goals - learn more about ISAs and SIPPs with our guide.

Why is a Stocks & Shares ISA important?

A Stocks and Shares ISA helps protect your money from inflation and could help you hit your long-term financial goals. On top of this, any money is protected in a tax-free wrapper.

A Stocks & Shares ISA is often used for goals five years away, or more. As markets move up as well as down, there’s an opportunity to grow your money, and often this can help to protect you from inflation risk.

At Moneyfarm we build portfolios with a diverse range of assets based on your investor profile and time horizon to ensure you’re comfortable with any losses, whilst also aiming to deliver long-term returns.

Do you offer a help-to-buy or lifetime ISA?

No, we do not offer the Help-to-Buy or Lifetime ISA.

Do you offer a Cash ISA?

Yes we do! Check out our Cash ISA page for more information.

What are the tax benefits of a Stocks & Shares ISA?

ISAs have generous tax benefits that can help you maximise your investment returns.

When you invest in an ISA, you’re not charged Capital Gains Tax (CGT) on any profit you make when you sell your investments and withdraw money from your account. Everyone has an annual CGT exemption allowance of £3,000 in the 2024/25 financial year. You’ll be charged CGT on any profit made above this annual allowance if you didn’t invest in an ISA.

Any losses made on your investments in your Stocks & Shares ISAs can’t be used to offset capital gains on your other investments.

ISAs also protect any income from your investments in your tax-free wrapper.

Outside of an ISA, you don’t pay tax on the first £500 of dividends you get in the 2024/2025 tax year. Above this allowance, you pay tax of 8.75-39.35%, depending on your income tax band. If you invest in an ISA, you don’t pay a thing.

The tax treatment of a Moneyfarm Stocks & Shares ISA depends on your individual circumstances and may be subject to change in the future.

Who can open a Stocks & Shares ISA?

To open a Stocks & Shares ISA you must be at least 18 years old and must be a UK resident for tax purposes.

Can I withdraw from my Stocks & Shares ISA?

You can withdraw money from your ISA whenever you need to, without it impacting your ISA allowance from that tax year. Moneyfarm does not charge you to withdraw from your ISA, as we know how important it is that you have flexible access to your investments. However, the longer you can keep your money invested, the more you can expect your money to grow to help you have a more financially secure future. Learn how to withdraw your money from a Stocks and Shares ISA

What is your annual ISA allowance?

This tax year you can invest up to £20,000 in your ISA. The tax year runs from 6 April until 5 April the following year and that’s when your ISA allowance automatically refreshes.

You can pay your whole allowance of £20,000 into a Stocks and Shares ISA, a Cash ISA, or a combination of the two. Even if you have an ISA elsewhere, you can still open a Stocks and Shares ISA with Moneyfarm, and you can also transfer over an old ISA to your new Moneyfarm account. You can choose between making a lump sum investment, and/or making regular contributions throughout the tax year. Your Moneyfarm ISA is flexible to suit you. Your annual ISA allowance expires at the end of the tax year and any unused allowance will be lost. It’s a case of ‘use it or lose it’, as your allowance can’t be rolled into the next year. With Moneyfarm, you can invest more than the ISA allowance, for example, with a General Investment Account, but any investments outside the ISA wrapper won’t be sheltered from tax. Find out more about how much you can put in your ISA.

Do you offer a Junior ISA?

Yes we do! Check out our Junior ISA page for more information.

Personalised investment experience

Align your portfolio with your values and financial goals, one investment at a time. All with a comprehensive view of your investments for effective decision-making.

✓
Free to open an account

With an ISA, a yearly custody fee of just 0.35% applies. Learn more

General Investment
Managed GIA

Risk level:

Lower risk

Higher risk

Less likely

More likely

Expected return (£151,462.18)

Total contribution (£75,000.00)