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  2. Stocks and Shares ISA

Stocks and Shares ISA

✓ Invest from £50 a month
✓ Enjoy a product charge as low as 0% when you stay healthy

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With investments, your capital is at risk.

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What is a Stocks and Shares ISA?

Whether you're saving for a house, a wedding, or just a rainy day, a Stocks and Shares ISA could help you grow your money. ‘ISA’ stands for Individual Savings Account. It’s an investment that’s tax-efficient, which means you don’t need to pay tax on any money you make from it. 

Here are the basics…

  • Your money goes into funds, unit trusts, bonds, and shares in companies. If you’re willing to take some risk with your money, Stocks and Shares ISAs have the potential to offer higher returns than Cash ISAs
  • You can decide the exact make-up of your ISA portfolio and change it whenever you like
  • If you're over 18 and you live in the UK, you can put money into a Stocks and Shares ISA every tax year
  • You need to start with either an initial investment or a monthly investment. The minimum initial investment is £1,500 and the minimum monthly investment is £50.
Remember, your capital is at risk when you invest in stocks and shares. This means you could get back less than you invested.

How much can I invest in an ISA?

You can invest up to £20,000 this tax year.

This is the Stocks and Shares ISA allowance set by HM Revenue & Customs (HMRC).

 

Why choose a Vitality Stocks and Shares ISA?

  • Lower product charges

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    From 0.45%, to as low as 0%, when you stay healthy.

  • Flexible payments

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    Invest from £50 a month or start with £1,500 as a lump sum.

  • Range of funds

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    A range of ready-made portfolios that can be matched to your risk preference.

  • Trusted fund managers

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    Choose from world-leading fund managers – Vanguard, SEI Investments or Ninety One.

  • ESG fund options

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    Choose to invest in Vitality’s Environmental, Sustainable and Governance (ESG) funds.

  • Discounts and rewards

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    Get discounts on brands like Caffè Nero, Garmin and more. Earn regular rewards for staying active.

  • Anytime withdrawals

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    Take money out and add it back in the same tax year without affecting your annual ISA allowance. 

  • Hassle free transfer 

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    Tell us how much you want to transfer from your current provider and we’ll do the rest. 

How to enjoy a product charge as low as 0%

We’re living longer. And we all want the money and good health to enjoy it. That's why we've combined wellness and savings. If you invest with us, and track your healthy habits, you could pay no product charge. 

The more you look after your health, the lower your product charge. Charges start from 0.45% a year and can get as low as 0%. This helps keep more of your money invested and gives it a better chance to grow:

  • Start off on Bronze status with a product charge of 0.45% per year
  • Track your activity whether that’s going for a walk, or a gym session to improve your status. The higher your status, the lower your product charge will be 
  • Work your way up to Platinum status and you could achieve a product charge as low as 0%.

More on our product charges
More on our fund charges

 

We’re regulated, which means you’re protected

We’re authorised and regulated by the Financial Conduct Authority. We’re also covered by the Financial Services Compensation Scheme. Take a look at our plan terms and conditions to find out how your investment is protected.

A world of funds from leading investment managers

We’ve partnered with Vanguard, SEI Investments, and Ninety One to create our range of funds. Each fund can help you grow your investment no matter your risk level.

Our range includes ESG funds (environmental, sustainable, and governance funds). You can also choose from over 500 third-party funds.

Vanguard, SEI and Ninety One logos
More on our funds

Why we share the benefits of healthy investing

When you take steps to get healthier, we help you pay less for your investments. 
 
This keeps more of your money invested with us and gives it a better chance to grow. It also helps you live a longer life to enjoy your money. 
 
The healthier you are, the healthier your investments get. 

That's why we created investments that reward you for staying healthy. Because it's good for you, it's good for us, and it's good for society.
Find out what rewards and discounts you could get

Important documents

Vitality Stocks and Shares ISA Plan Summary
Vitality Stocks and Shares ISA Charges Schedule
Vitality Stocks and Shares ISA Terms and Conditions

Stocks and Shares ISA FAQs

Can I open a Cash ISA and a Stocks and Shares ISA in the same year?

You can open both a cash ISA and a Stocks and Shares ISA in the same tax year. But the total amount invested in both ISAs cannot exceed £20,000. Vitality only offers a Stocks and Shares ISA. 

Can I contribute to an ISA for someone else

Yes you can. This is treated as a gift from you to the other party and is applied against their annual ISA subscription allowance.

Can I change my mind?

Yes, you have 30 days to change your mind from the date you receive your cancellation notice. 

When will I pay my first and subsequent charges?

The product charge is deducted each month on the 1st. If there is not enough money in your cash account, then we’ll automatically sell units in your chosen funds to cover the charge.

What if I pay too much into my Stocks and Shares ISA?

If you pay too much into your Vitality Stocks and Shares ISA, you may void your plan. You may also need to pay tax on any growth from your investment.

What happens to my Stocks and Shares ISA if I move abroad?

If you move abroad, you must tell us as soon as you stop being a UK resident. You can keep your Stocks and Shares ISA open, and any growth will still be free of tax. 

But you won't be able to invest in your Vitality Stocks and Shares ISA in the tax year after you move abroad. The exception is if you are working abroad as a Crown employee or are their spouse or civil partner.

If you return to the UK, you can restart investing into your Stocks and Shares ISA.

What happens to any income from a Stocks and Shares ISA?

Any income generated by the investments you hold in a Stocks and Shares ISA can either be reinvested within the ISA, or you can choose to withdraw it from the plan.

What happens to my Stocks and Shares ISA if I die?

The value of the plan will form part of your estate. If you have a surviving spouse or registered civil partner, they will be entitled to subscribe an additional amount to their own ISA equal to the value of your plan when you died. This is known as an ‘Additional Permitted Subscription’. 

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