Individual Savings Accounts

Stocks and Shares and Innovative Finance ISAs

Tax efficient investments

Individual Savings Accounts

Marshall Sterling Investment Management is FCA Authorised and HMRC approved ISA Manager. 
We provide an online, compliant and secure solution for:

  • Direct investment in Stocks and Shares or Innovative Finance ISAs
  • An online platform facilitating: 

  Product promotion (which we can advise on and structure for our corporate clients – see the Corporate Fund Raising section of our site)
  Client on-boarding
  HMRC reporting
  Cashflow management and coupon payment services
  Custody facilities

More on ISAs
You can save tax-free with Individual Savings Accounts (ISAs). 
In the 2021 to 2022 tax year, the maximum you can save in ISAs is £20,000 
There are 4 types of ISA:

 Cash ISA
 Stocks and Shares ISA
 Innovative Finance ISA
 Lifetime ISA

You don’t pay tax on: 
Interest on cash in an ISA income or capital gains from investments in an ISA. 

You can put money into one of each kind of ISA each tax year. 
Within a Stocks & Shares ISA investors are exempt from:

 Capital Gains Tax
 Further tax on income

The UK tax year ends on 5 April each year. 
This is the deadline to make a deposit into your ISA using your annual allowance. 
Any remaining allowance cannot be carried over to the following year.

Without utilising your ISA allowance, your investments may be subject to the taxes.

For realised gains/profit:
The current annual Capital Gains Tax (CGT) allowance is £12,600. After this individuals are charged CGT at a rate of 20% or 28%, depending on your total taxable income.

Key Benefits
A Stocks and Shares ISA is a tax-efficient way to invest money as any profit is exempt from Capital Gains Tax. You can choose to invest your money in a wide range of ISA qualifying stocks and shares from both the UK (including AIM stocks) and on six international markets. You can also invest in funds, bonds, gilts and more.

 Pay no Capital Gains Tax on any potential profit.
 Trade on seven world markets with our award-winning online share dealing service.
 Low cost dealing and administration charges.
 How much can I invest in a Stocks and Shares ISA?

Each year the Government allows you to invest in a tax-efficient product called an ISA, or Individual Savings Account. The maximum amount you can invest in the current tax year is £20,000. You can choose to invest your full allowance into either a stocks and shares ISA or a cash ISA, or alternatively you can split your allowance between a cash ISA and a stocks and shares ISA.

 Tax rules can change and the value of this favourable tax treatment to you will depend on your individual circumstances.
 Investments can fall in value and you may get back less than you invested.
 We don’t offer advice on investments.
 Investing without advice is not for everyone and if you’re unsure, please seek independent advice.

Please note we do not guarantee the accuracy of the information on this site.
Please visit HMRC or speak with an Independent Financial Tax Adviser.

If you have any questions, please use the form below and one of our advisers will be happy to assist.