ISAs & Investments | Shepherds Friendly

Choose the right Stocks & Shares ISA for you

At Shepherds Friendly, you can choose between two different Stocks & Shares ISAs. Each type is tailored to different types of investors, so you can pick a plan which allows you to invest in a way that suits your financial goals.

Do you want a steadier investment journey with more reliable returns?

Our Investment ISA is a great choice for those who want to see long-term, steady returns on their investment, without being exposed to the full impact of the sharp ups and downs in the market. Your investment is fully managed by experts, and we shield your money from market fluctuations over time – all with the aim of offering you more reliable and consistent growth. So, if you’d prefer a more stable and hands-off approach, but still want the potential rewards of investing, we created this plan with you in mind.

Smoother investment journey
Aims to pay you bonuses every three months
Your money is invested in one simple, low-to-medium risk fund

Get started

Do you want to experience the dynamic nature of market-linked investments?

Our Stocks & Shares ISA lets you choose from five ready-made, fully managed funds. These range from low to high risk and reward. So, you can shape your investment journey to match your own financial ambitions and appetite for risk. If you’re looking to grow your wealth over the long-term and feel confident in riding out the market’s short-term shifts and trends, this ISA could be the right fit for you.

Experience the benefits of investing in the stock market, including the daily ups and downs.
Potential to watch your money grow daily.
Have more control over the level of risk your money is exposed to.

Get started

Do you want a steadier investment journey with more reliable returns?

Smoother investment journey
Aims to pay you bonuses every three months
Your money is invested in one simple, low-to-medium risk fund

Get started

Do you want to experience the dynamic nature of market-linked investments?

Experience the benefits of investing in the stock market, including the daily ups and downs.
Potential to watch your money grow daily.
Have more control over the level of risk your money is exposed to.

Get started

What is a stocks and shares ISA?

A Stocks and Shares ISA, also known as an investment ISA, is a tax-efficient savings account where your investments are exempt from income tax and capital gains tax. Unlike a Cash ISA, where your money is simply saved, a Stocks and Shares ISA allows you to invest in various financial assets such as shares, funds, bonds, and other investment types. This can give your money more growth potential compared to a regular savings account. However, as investments can fluctuate, the value of your ISA may rise or fall, and you could get back less than you initially invested.

How much can I invest in an ISA?

You can save or invest up to £20,000 into your ISA in the 2025/26 tax year. This amount is also known as your ‘ISA allowance’ and is set by the Government. Your ISA allowance can vary each tax year but has remained the same since April 2017.

The tax year is set by HMRC (HM Revenue & Customs) and ends at midnight on 5th April, meaning that you get a new ISA allowance on the 6th April each year. If you are looking to maximise the use of your ISA allowance, then it is important to remember that the deadline to do so is the 5th April.

You have the option to invest all your ISA allowance in a single stocks & shares ISA, or you can split it across other types of ISAs, such as a cash ISA. However, you need to be careful not exceed the overall limit, otherwise you may become liable for tax on your returns.