Stocks & Shares ISA

We do the hard work to nurture and grow your investment, helping you save for your future goals. When you invest, your capital is at risk.

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Total reviews

2514

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Average rating

4.66

Simple to open and manage

Open a plan online in minutes. It’s easy to pause, top up or change your payments, and to track your savings.

Option to invest sustainably

You could opt to invest into a fund that only invests in environmentally and socially sustainable companies.

We do the hard work

Our expert fund managers make smart investment decisions with a view to helping you grow your savings.

Our tax-free Stocks & Shares ISA offers growth potential by aiming to pay you an annual bonus. You can save over the medium- to long-term without paying income tax or capital gains tax on your savings.

When you open your account, you have the choice of a fund which invests in a broad range of investments, or a fund which only invests in environmentally and socially sustainable companies.

  • Save from £30 per month, or make online payments in single lump sums
  • Both funds aim to deliver better returns than a cash ISA or other savings accounts
  • Our sustainable fund invests towards a more positive future for us all

Thanks to smart investment decisions by the fund managers, our Stocks & Shares ISA has been able to pay a bonus every year for the last 10 years. However, the value of investments can fall, so you may get back less than you invest.

Our stocks and shares ISA aims to deliver better returns than a cash ISA.

How we invest

Our Stocks & Shares ISA invests your savings in a with-profits fund. Unlike with an index-linked fund, a with-profits fund offers more predictable investment performance by actively ‘smoothing out’ the daily ups and downs of the market. In years when investments perform well, some of the profits are retained. This means that when market conditions aren’t as good, then we can still aim to pay an annual bonus. We’ve paid a bonus on our ISA every year since it was launched in 2008.

Our goal is to provide you with higher returns in the medium- to long-term, compared with what you’d get from a bank or building society account. So you should aim to invest for no fewer than five years.

However, in some circumstances, a market value reduction (MVR) could mean you get back less than you paid in, so the amount you receive can’t be guaranteed.

  • Following periods of strong investment performance, you might get a final bonus
  • Or, following periods of poor investment performance, you may get back less than the current value of your plan.

Where we invest

Our Stocks & Shares ISA offers the choice of two funds, both actively managed by Royal London Asset Management (RLAM).

Your savings will be invested across stocks and shares, equities, bonds, and property. This spread means you’ll benefit from a medium- to low-risk investment strategy, where the goal is to achieve greater growth than you’d get from a cash savings account.

Option 1: a fund that’s spread across a broad range of investments

Your savings will go into the Multi-Asset Strategies Fund (MAST), managed by Royal London. Your money will be invested responsibly, screening out or limiting investments which may be considered harmful and looking to incorporate some sustainable investments.

Option 2: a fund that only invests in sustainable companies

You can also choose to invest sustainably: your money will go into the Sustainable Diversified Trust Fund (SDTF), which carries a 5/5 sustainability rating from Morningstar. This is also managed by RLAM, and they’ll only invest your savings in companies that make a positive contribution to the environment and society as a whole.

The annual management charge for both of these funds is 1.5%, deducted before your annual bonus is paid.

Of course, no investment is free from risk. The way these funds are managed means that your investment is at a medium to low level of risk. This may appeal to you if you prefer a smoother investment journey.

 

How we’re regulated

Shepherds Friendly is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Registration Number is 109997.

Why we’re trusted

We believe in keeping things simple, and putting our members first. That’s why we’re highly rated on independent review platforms, with over 2,750 reviews across REVIEWS.io and Trustpilot.

Please keep in mind that 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.

We’re a financial mutual that’s built on fairness. Everything we do is for our members, not shareholders, and all profits made are paid to you or re-invested for your benefit.

Our members love that we do things the right way

Nine out of 10 members would recommend us for the way we help their savings grow.

Helping our members benefit for almost 200 years

The world’s changed a lot since 1826 but our idea of fairness remains the same.

When you’re member-owned, it matters more

We take the financial future of every member personally, because you’re one of us.

When you make your first payment into our Stocks & Shares ISA, we’ll send you a Love2shop voucher code worth up to £50. See our terms and conditions.

Download these documents for all the key information about our Stocks and Shares ISA. Remember that when you invest, your capital is at risk.

You can choose your investment style on the next page.
  • 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.
  • If you have been invested through periods of poor investment performance, and you leave the fund, you may get back less than the current value of your plan. This is known as a Market Value Reduction (MVR) 

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 given by Shepherds Friendly, and if you are in any doubt as to whether a savings plan is suited to your needs, then you should contact a financial adviser. There may be a charge for financial advice, and the cost should be confirmed to you before any advice is given.