ISAs and ISA Transfers

apple and orange An ISA (Individual Saving Account) is a tax-efficient way to invest your hard earned cash. There are two types: cash ISAs and stocks and shares ISAs. You can pay a maximum of £20,000 into an ISA over the course of the current tax year (6 April 2020 – 5 April 2021).

The primary benefit of an ISA is that it’s a tax-efficient way to invest. There is no personal liability to tax on income or growth with your ISA and you don’t even have to declare it in your tax returns. In the medium to long term an ISA has the potential to provide attractive investment returns.


En-cash part or all of your ISA whenever you wish.

Switch funds as you wish.

 Existing ISAs can be transferred without any loss of tax benefits.

Have easy access to your money through regular withdrawals or ad hoc withdrawals.

We offer a wide range of ISA options on the stocks and shares element, We offer a supermarket option where we can select suitable funds from a number of different companies all within the same contract as well as having a simple lower cost option for smaller investors. 

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OnTrack Financial Planning Ltd. is authorised and regulated by the Financial Conduct Authority FCA Firm Number: 566312
Registered in Scotland, Registered No.SC406825, Registered Address: 6 Wallace Brae Grove, Reddingmuirhead, Falkirk, FK2 0FF.