What does our ISA offer you?

A Sippdeal ISA could be a great way for you to invest, as ISAs offer great tax benefits, an enormous range of investment opportunities (including stocks and shares) and you can access your ISA pot whenever you need to.

Unlike a SIPP, you cannot reclaim tax on the money you pay into an ISA, but any gains that your ISA makes are free from Capital Gains Tax (CGT), which is all the more appealing as CGT is now 28% for higher rate tax payers.

Also, the amount that you can invest in an ISA is more restricted than a SIPP, but with this year’s ISA allowance being £11,520 (or £23,040 for couples), this may well adequately cater for what you want to save.

You can also choose how often you want to save, by either saving monthly through a Direct Debit or by making one off payments as and when you want to (up to the annual allowance of £11,520) – all of which you can do online.

Another key benefit of a Sippdeal ISA is that you can access your money if you need to. Unlike a SIPP, where you cannot access your fund until you are at least 55, you can take money out of your ISA as and when you want to – without paying any tax. So you could use your ISA pot to meet shorter term investment goals, such as paying for university fees.

The Sippdeal ISA offers you

Low-cost features include:

	Online dealing £9.95
	Great discounts for frequent dealersand regular investors
	An annual cash bonus of up to 0.5% on fund investments
	No account charges

Great discounts for frequent dealers

Pay only £4.95 per online deal to either buy or sell investments when you place 10 deals or more in the previous month. For example, the dealing charge you pay in February will depend on the number of deals you made in January.

The total number of deals will take into account deals made online, by telephone and made across your SIPP, ISA and Dealing Account (excluding any regular investment deals).

See all of the Sippdeal ISA charges and rates.

A market leading investment range

	The Sippdeal ISA has over 6,000 investment funds to choose from (both unit trusts and OEICs) and over 2,100 of them have no initial charge, saving you up to 6%. So if you invest your full annual ISA allowance, you could save up to £612 in charges immediately.
	You can invest in most securities that are officially listed on a recognised stock exchange and are settled within CREST. CREST is the electronic settlement system through which the London Stock Exchange settles bargains. This range includes UK and Irish stocks and shares and other securities as well as international securities across 21 markets.
	You can invest in government bonds, corporate bonds, permanent interest bearing shares (PIBs), covered warrants and investment trusts.
	You can invest in exchange traded funds (ETFs) and exchange traded commodities (ETCs).
	Regular investing is now available across the FTSE 350 stocks and shares, over 2,100 funds in our funds universe, selected investment trusts, ETFs and ETCs. It's FREE to regularly invest in the funds available and just £1.50 per order for all other regular investments.

Read more about the investment choices that the Sippdeal ISA offers you.

Sippdeal could also offer you real savings with our annual fund rebate of up to 0.5% p.a. on SIPPs, ISAs and Dealing Accounts. The rebate is available on over 1,200 funds in the Sippdeal funds universe.

Great functionality

	View your ISA portfolio online 24 hours a day, 7 days a week, anywhere in the world.
	Deal online in Sippdeal’s secure area quickly and simply. Equity deals are processed immediately.
	Use your debit card to fund your dealing account so that you can deal quickly.

Why not try the Sippdeal dealing demo to see just how easy it is to manage your ISA online. Our dealing FAQs can answer any questions you may have about online dealing.