The Sterling ISA enables you to invest in a wide range of funds with the potential for growth and income without paying tax on any income or capital gain. Your tax position will depend on your particular circumstance, and you should be aware the tax position may change in the future.
Your adviser
will help you decide if the Sterling ISA is right for you.
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aims What this account designed to do |
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Increase the value of the money you invest. |
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Allow you to withdraw your money when you want it |
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Allow you to choose from a wide range of funds to match your investment objectives and attitude to investment risk. |
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Allow you to take income if you choose |
Your commitment What we ask you to do |
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Seek
financial advice. If you don't, your decisions may not be appropriate. You should seek financial advice - before making any decision to invest - regularly while your money is invested - when your financial circumstances change. |
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Look to invest for at least five to ten years. |
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Leave at least £2,000 in your account if you make a withdrawal. If you don't, the charges will be high in relation to the account value and this could make it difficult for your investment to grow. |
Risk factors What you need to be aware of |
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The value of your ISA can go down and you may get back less than you invested. |
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The level of risk and potential investment performance differs depending on the funds you select. |
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The value of any income you take can fall and rise |
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If you are transferring from an exisiting cash ISA to a stocks and shares ISA, you should be aware of the increased risks associated with a stock market based investment. |
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Additional reading The current terms and conditions for our ISA and Investment Account. The Sterling panel funds guide gives information on the range of panel funds available to invest in. This guide is intended to be used in your discussions with your adviser to help you understand more about the funds and their risks. The relevant simplified prospectus for wider market fund risks, available from your adviser, also provides information on additional funds you could choose if our panel range doesn't offer the funds you're looking for. The funds in the wider market range are available at an additional charge. If you don't already have an adviser, you can find details about how to find one here. |
Registered office: UK Life Centre, Station Road, Swindon SN1 1EL