Stocks and Shares ISA | Zurich

Zurich Stocks and Shares ISA

A flexible and tax-efficient way of investing.

It might be right for you if you want:

  • To save for the medium to long-term (usually longer than 5 years) for example, a house deposit or retirement

  • Tax-free growth

  • Tax-free income / withdrawals

  • Potential growth by taking some risk with your money

  • Potentially higher return than saving in cash.

It might not be right for you if:

You don't want to take any risk with your money - the value is not guaranteed as it may go down and you may get back less than you pay in.

  • Things to think about

    There's a limit on how much you can save each tax year. The 2016/17 ISA yearly allowance allows you to save £15,240 a year.

    You can choose to use your allowance for:

    • investing in a stocks and shares ISA, saving in a cash ISA or split the allowance between a cash and stocks and shares ISA - you're allowed one of each per tax year

    • you can only pay into one stocks and shares ISA in any tax year

    • investing in stocks and shares offers the chance of greater returns than cash but it also carries more risks. Your investment can fall in value and you may get back less than you invested

    • charges and fees apply to the management of your investment and for certain transactions. These can affect the return you may get. You need to regularly keep an eye on your investment to make sure it continues to meet your needs.
  • Who can apply?

    To start an account you need to:

    • be aged 18 or over, and

    • have been resident in the UK for tax purposes for the last six months

    •     and
    • not paid into another stocks and shares ISA in the current tax year.

How to apply

You can buy a Zurich Stocks and Shares ISA through your financial adviser.

  • You’ll receive impartial advice to make sure you are getting the best deal, whether it’s a Zurich product or not. Bear in mind, you will have to pay for any advice you receive.
  • They’ll have access to a wide range of funds and will pull together a recommendation  of those funds that are best suited to your level of risk.
  • Your financial adviser will manage your account using our online investment service, Zurich Portfolio.  This allows your financial adviser to manage your investments, quickly and securely, in one place, and if your financial adviser gives you access, you can check them whenever you like, using your own login.

For risks and benefits download and read the key facts

Key features of the Zurich Stocks and Shares ISA (377.99 KB/PDF)

Don’t have a financial adviser?

You can buy a Zurich Stocks and Shares ISA online through Zurich FutureYou.

  • Our online Zurich Stocks and Shares ISA can be bought without financial advice.
  • There are only five funds to choose from the Zurich Horizon Multi-Asset range. The funds are designed to reflect a range of risk levels. You choose to invest in the fund that matches how much risk you want to take with your money.

For risks and benefits download and read the key facts

Key features of the Zurich Stocks and Shares ISA (241 KB/PDF)

Find out more

Make the most of your ISA

Paying in as much of your ISA allowance as you can early in the tax year can really pay off. If you put the maximum amount of £15,240 in at the start of this tax year, your money will be invested longer giving you greater potential for growth, than if you’d waited and put your money in your ISA the following March. If you haven’t used all your ISA allowance for this year, it’s not too late.

Who provides the Zurich Stocks and Shares ISA?

The Zurich Stocks and Shares ISA is provided by Sterling ISA Managers Limited, trading as Zurich.

Sterling ISA Managers Limited, authorised and regulated by the Financial Conduct Authority. Registered in England and Wales under company number 02395416.

Registered Office: The Grange, Bishops Cleeve, Cheltenham, GL52 8XX.

Compare our saving and investment plans

Get a snapshot of the features available on our savings and investment plans

All of these products are available through a financial adviser – The Zurich Stocks and Shares ISA can also be bought online through Zurich FutureYou.

Features Zurich Cash ISA Zurich Stocks and Shares ISA Zurich Investment Account Sterling Investment Bond
  Plan details Plan details Plan details Plan details
Suitable for short term savings
(less than five years)
Yes No No No
Suitable for medium to long term investment
(at least five years)
No Yes Yes Yes
Gives access to your money  Yes Yes Yes Yes
No yearly limits on amounts you pay in No No Yes Yes
Offers the choice to invest in different asset types No Yes  Yes  Yes
No income or capital gains tax applied to growth Yes Yes No No
No tax applied to income Yes Yes No No
Available through Zurich Portfolio Yes Yes Yes No
Zurich Investment Life Cover available
(accessed through Zurich Portfolio)
No Yes Yes No

Find out more about the Zurich Portfolio and Zurich Investment Life Cover.

Tax information is based on 2016/17 tax rules which may change in the future and depends on your individual circumstances.

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