Stocks and Shares ISA

Why a Zurich Stocks and Shares ISA?

A Zurich Stocks and Shares ISA is a medium to long term investment (5 years or more) that provides a tax efficient way for you to invest in the stock market. It enables you to decide how much risk you are prepared to take when investing, offering access to a range of funds and the potential for better returns than a Cash ISA over the long term.

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Potential for higher returns over the long term compared to a Cash ISA

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Invest up to £20,000
in the 2018-2019 tax year

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Funds managed with the aim of delivering the best possible return

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Option to apply for your Stocks and Shares ISA online


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Good to know...

With investment comes risk. The value of an investment can go down as well as up and you may not get back the full amount invested. Investments should only be considered for medium to long term goals (five years or more).


The basics

You can invest in a range of funds to suit your attitude to risk and investment objectives.

It provides you with a flexible means of investing and accessing your money.

More about our funds

It may be right for you if...

You're looking for potentially higher investment returns than a cash ISA.

You want a tax efficient way of investing.

You're happy to invest in the funds available in the account and you're aware of and accept the risks associated with the funds.

You want to transfer in another ISA.

You can invest for at least five years.

It may not be right for you if...

You don't want to invest for more than five years.

You don't want to take risks with your money - the value of your account can go down and you may get back less than you invest.

Making the most of your ISA

Paying in the majority or all of your ISA allowance early in the tax year can really pay off.

Putting in the maximum amount of £20,000 at the start of the tax year means your money will be invested longer, giving you greater potential for growth.

If you haven't used all your ISA allowance for this year, it's not too late.


Your Stocks and Shares ISA

Investment fund charges

Risk Profile:

1 - Cautious - Horizon Multi-Asset Fund I
2 - Moderately Cautious - Horizon Multi-Asset Fund II
3 - Balanced - Horizon Multi-Asset Fund III
4 - Moderately Adventurous - Horizon Multi-Asset Fund IV
5 - Adventurous - Horizon Multi-Asset Fund V

Charges

Horizon Multi-Asset Fund I

Horizon Multi-Asset Fund II

Horizon Multi-Asset Fund III

Horizon Multi-Asset Fund IV

Horizon Multi-Asset Fund V

Zurich Portfolio charge 0.40% 0.40% 0.40% 0.40% 0.40%
Annual management charge and other fund expenses deducted by the fund manager 0.84% 0.82% 0.81% 0.81% 0.81%
Costs incurred from buying and selling the underlying assets in the fund 0.13% 0.14% 0.17% 0.21% 0.25%
Total costs and charges 1.37% 1.36% 1.38% 1.42% 1.46%
Total cost based on a £10,000 lump sum payment £137 £136 £138 £142 £146

For more information on which fund may be suitable for you, please use our investment tool.

Additional information including fund factsheets, key investor information and the costs and charges summary can be found here.

Who can invest?

To start a Zurich Stocks and Shares ISA, you must be 18 or over, have been a UK resident for the past six months and not paid into another Stocks and Shares ISA account in the current tax year.

Start a Zurich Stocks and Shares ISA

Your Zurich Stocks and Shares ISA is held in a Zurich Portfolio. There are two ways to start a Zurich Stocks and Shares ISA:

Through an independent financial adviser

You can apply for a Zurich Stocks and Shares ISA through your independent financial adviser if you already have one. If you don't have an adviser, you can find one in your area by visiting www.unbiased.co.uk and reading reviews of financial advisers by visiting www.vouchedfor.co.uk. Zurich is not responsible for the content of external websites.

If you apply for a Zurich Stocks and Shares ISA through an independent financial adviser, you'll have access to a broader range of funds. Bear in mind, you might be charged for any financial advice you receive.

Or

Online

Apply online in three easy steps - choose your risk profile, choose one of five funds and complete the online application form.

To apply for a Zurich Stocks and Shares ISA click here.

Transfer my existing ISA

If you took out your ISA through an Independent Financial Adviser

You'll need to speak to them regarding transfers.

If you bought your Zurich Stocks and Shares ISA online

To transfer from an existing ISA into a Zurich Stocks and Shares ISA, simply download and complete the following form:

Download transfer form

Your transfer will automatically be invested into your current Zurich fund. If you want to review your fund choice, please log in to your Zurich Stocks and Shares ISA once the transfer has been completed.

You will need to print and complete this form. Then you can either scan and email it back to us at zurichportfolioteam@uk.zurich.com or post it back to us at:

Zurich Portfolio Team
PO Box 1200
Bishops Cleeve
Cheltenham
GL50 9UP

If you need any further information, call us on 0345 608 0014.

Lines are open Monday - Friday 8am - 6.30pm and 9.30am - 12.30pm on Saturdays. We may record or monitor calls to improve our service.

If your existing ISA is a Cash ISA, you need to be aware of the extra risks involved when transferring to a Stocks and Shares ISA.

Top-up my current ISA

The annual allowance limits the amount you can pay into your ISA and is £20,000 for the 2018/2019 tax year.

If you took out your ISA through an Independent Financial Adviser

You'll need to speak to them regarding Top-ups.

If you opened your Stocks and Shares ISA online

Use the following instructions to top-up.

Regular payments

  • Sign in to your Dashboard
  • Go to 'Zurich Stocks and Shares ISA'
  • Click on ‘Get the Details' and then 'Set up a regular payment'.

Set up a regular payment

One-off payment

  • Sign in to your Dashboard
  • Go to 'Zurich Stocks and Shares ISA'
  • Click on ‘get the Details' and then 'Making a one-off payment'.

Set up a one-off payment

If you're unsure how to manage your Stocks and Shares ISA, call us on 0800 096 6233.

Need more detail?