Stocks & Shares ISA

Globally diversified, actively managed portfolios to meet your goals – our ISA is an easy access, tax-efficient way to fit your changing lifestyle.

With investment, your capital is at risk.

Tax-free returns on your investments

Contribute up to £20,000 each year and transfer existing ISAs to enjoy tax-free growth.

Quick and flexible access to your money

Withdraw your money when you need it, replace it the same year and still keep your ISA allowance.

Aim for more than your cash accounts

Invest your savings in the financial markets for potentially higher returns than cash.

What your Moneyfarm Stocks & Shares ISA can do

Diversification based on research

We combine different asset types, regions and currencies, using quantitative analysis and market insight to target high returns while staying true to your risk level.

Actively managed by expert investors

Our portfolio management team will monitor, adjust and rebalance your portfolio, so it’s the right fit for you and makes the most of opportunities as they arise.

Designed around you to stay on top

We’ll do the heavy lifting, but you’ll always have the full picture. Check progress, fund your account and make transfers or withdrawals and more online or using the app.

Straightforward and low fees

We have a single account management fee across your whole Moneyfarm account. Transfer in or out without penalties and lower your costs by bringing your ISAs together.

Serious performance, tailored for you

Enjoy high performance while keeping costs to a minimum with a globally diversified portfolio that fits your investor profile, goals and approach to risk.

More on our portfolios

Our four year track record
Our PortfoliosMoneyfarmCompetitors
P1 – Low Risk8.4%4.1%
P216.4%14.3%
P328.6%22.4%
P4 – Medium Risk31.6%22.4%
P536.5%31.8%
P640.7%31.8%
P7 – High risk55.2%38.9%

Key to the figures
Moneyfarm returns net of fees since inception (01/01/2016 to 31/12/2019) vs. average peer group performance over the same time period.
These past performance figures are simulated. Past performance is no indicator of future performance.

Important information

Moneyfarm data

The returns here are simulated using an assumed balance of £250,000, and the average management fee from our pricing model of 0.46% from 01/01/2016 to 31/10/2017 and 0.55% from 01/11/2017 to the 31/12/19. The returns are net of underlying fund costs and market spread. The returns are the total returns, so include all dividends. (Data Source: Bloomberg/xignite)

Peer Comparison Data

Asset Risk Consultants ARC collects the monthly returns of a collection of discretionary investment managers including large Asset managers, private banks and Wealth Managers to create an index of the average returns for a given level of risk.

ARC benchmarks are as follows;
Private Client IndexRelative Risk to World Equities
ARC Cautious PCI0 – 40%
ARC Balanced Asset PCI40 – 60%
ARC Steady Growth PCI60 – 80%
ARC Equity Risk PCI80 – 110%

Where the relative risk to World Equities means you are taking approximately that percentage of the risk global stock markets.

Moneyfarm’s Risk level 2 is compared to the ARC Cautious Private Client Index (PCI), our risk levels 3 and 4 use the ARC Balanced Asset Private Client Index (PCI), levels 5 and 6 are both compared to ARC Steady Growth Private Client Index (PCI) and our risk level 7 is matched to ARC Equity Risk Private Client Index PCI

ARC compiles indexes using the average competitor returns, including Barclays Wealth, HSBC, Investec Wealth and Investment and Blackrock, as well as many others.

P7 Portfolio

Please note that ARC does not independently verify the performance of the Model submitted by Moneyfarm. The returns shown refer to simulated past performance of our model portfolios from 01/01/2016 to 31/12/2019, this portfolio only became available to clients on 16/05/2019. Past performance is not an indicator of future results.

P1 Portfolio

ARC does not produce an index that is a suitable comparison for P1, as it does not contain any equity. We use monthly GBP Libor + 0.5%, as this is a cash proxy, which Moneyfarm believes is a fair comparison.

We keep things clear and simple

You’ll always know exactly how much you’re paying and what it’s for

Free transfers and withdrawals

No charges for trading

Free ongoing digital advice

On the first
£10,000
0.75%

per year

On anything between
£10,000 - £50,000
0.60%

per year

On anything between
£50,000 - £100,000
0.50%

per year

On anything over
£100,000
0.35%

per year

+ average investment fund fees per year 0.20%
+ effect of market spread? per year up to 0.09%

Find out more about our pricing

Advice that doesn’t sleep

Get live guidance whenever you need it, backed by 24/7 digital investment advice to keep your investments on track.

Digital investment advice

  • Sets up your plan and portfolio – Your ideal portfolio and investment plan, matched to you and your goals.
  • Keeps you on track – Ongoing suitability keeps your portfolio tuned to your risk level, time horizon and goals.
  • Aligned to your needs – Your recommendations adapt with you, responding to any changes.

Personal investment adviser

  • Live guidance at any stage – Chat, phone, email, or meet in person to discuss your goals, portfolio and any questions.
  • Detailed planning – Our experts can help you to further develop and fine-tune your personal plan and portfolio risk level.
  • Long-term support – We’ll help you to review all your external investments and explore your options.

Learn more on investment advice

Start your Stocks & Shares ISA investment in minutes

1. Build your investor profile

Why you’re investing, what you want to achieve and how you feel about risk. That’s your investor profile and it informs your investment plan.

2. Discover your ideal portfolio

We’ll deliver your investment plan and recommend a globally diversified portfolio that’s suited to you. You can chat with an adviser before you agree to anything.

3. Start investing

Transfer an existing ISA in, or fund your account directly using electronic transfer or Direct Debit. Now you’re ready to go.

Get started now

How to transfer your ISA to Moneyfarm

Combining your ISAs could make your investments easier to manage and help you save on fees.

Transferring your ISA is easy and you’ll have one clear view of your savings that you can check at any time. Just give us a few details, including your ISA provider name, account number and estimated value, online or via the app and we’ll manage the transfer process for you. It’s free and we’ll make sure you don’t lose your allowance or tax benefits.

While we don’t charge you anything to transfer, you’ll need to check with your provider about any charges at their end. It can take around 15-30 days, although this depends on your provider.

Learn more on ISA transfers

We keep you, your ISA and your data safe

Protected

Our Sectigo-certified encrypted connection protects your personal data and keeps your account details safe.

Secured

We keep your money and investments separate from our own, held in accounts with Barclays and Saxo Capital Markets.

Regulated

We’re FCA-authorised and covered by the UK Financial Services Compensation Scheme (FSCS), providing an additional layer of protection for your investments of up to £85,000.

Stocks & shares ISA FAQs

It’s important you understand all the options available to you to make the right decisions with your ISA investments.

Here you can find some answers to the most frequently asked questions, our you can read more on our ISA FAQ section.

Read our ISA FAQs

What is a stocks & shares ISA?

The Individual Savings Account, or ISA for short, helps savers and investors grow their money in a simple and tax-efficient way. The main benefit of an ISA is that you can grow your money tax-free. Stocks & shares ISAs are a simple and tax-efficient way to grow your money over the long-term. You can invest up to £20,000 in your stocks & shares ISA each financial year, and any growth in the value of your money and any income can build up protected within your tax-free wrapper. You usually have to pay capital gains tax on any profit you make on your investments above your annual allowance. This is £12,000 for the 2019/20 tax year. If you invest your money in an ISA, you won’t need to pay a thing in capital gains or dividend tax. Making the most of the tax benefits available to you is crucial for maximising your returns over the long-term. The tax benefits of an ISA are subject to change in the future. You can learn more about ISAs on our blog

How much is the ISA allowance?

The tax year runs from 6 April until 5 April the following year, when the ISA allowance automatically refreshes. The government has the power to change the ISA allowance each year if it wishes.

This tax year you can put up to £20,000 in your ISA.

Tax year 2019/20 – £20,000
Tax year 2018/19 – £20,000
Tax year 2017/18 – £20,000
Tax year 2016/17 – £15,240
Tax year 2015/16 – £15,000.


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 a cash ISA elsewhere, you can still open a Stocks and Shares ISA with Moneyfarm. You can choose between making a lump sum investment, and/or making regular contributions throughout the tax year. The 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, but any investments outside the wrapper threshold won’t be sheltered from tax.

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.

What are the requisites to 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.

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. Everyone has an annual CGT exemption allowance of £12,000 in the 2019/20 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 £2,000 of dividends you get in the tax year. Above this allowance, you pay tax of 7.5-38.1%, 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.

Why is a stocks & shares ISA important?

A stocks and shares ISA helps protect your money from inflation and grow it for the family milestones ahead of you. 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 Cash ISA?

No, we currently only offer a Stocks & Shares ISA, Pension and General Investment Account. We are an investment manager and our primary focus is on providing cost-efficient investment advice with a discretionary service.

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 Junior ISA?

No, we do not currently offer a Junior ISA (JISA).

Set up a Stocks & Shares ISA

Tax-efficient, globally diversified and actively managed portfolios to meet your goals – with an investment adviser on the phone.

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