Our investment accounts

The value of investments can fall as well as rise and you could get back less than you invest. If you’re not sure about investing, seek independent advice. Tax rules can change and the value to you will depend on your circumstances.

Investment ISA

An investment Individual Savings Account (ISA) is a tax-efficient version of a traditional investment account.

  • Protect your returns from income tax, tax on dividends and capital gains tax (CGT)
  • Invest your ISA allowance of up to £20,000 tax-free in the 2018-19 tax year. You can also split your allowance between a cash, investment, innovative finance and a lifetime ISA. However, with a lifetime ISA,1 you can only pay in up to £4,000 in each tax year
  • Choose from a wide range of investments including shares, funds, bonds and cash.

If you invest outside an ISA, you won’t necessarily have to pay any tax, as long as your dividends don’t exceed the dividend allowance, or any interest from cash, funds, gilts or bonds aren’t higher than the personal savings allowance.

Only profits made above the annual CGT allowance, which is £11,700 in the 2018-19 tax year, will be subject to CGT at 10% or 20% depending on your tax band.


Investment Account

Once you’ve used up your annual ISA allowance, our Investment Account gives you access to an even wider range of investments.

  • Choose from a range of investments not available through an ISA
  • No limit to how much you can invest.

SIPP Accounts

If you want more control over your pension, you can access a range of investments through a Self-Invested Personal Pension (SIPP). A SIPP lets you take advantage of the same tax benefits available to all pension savers:

  • Protect your returns from income tax, tax on dividends and capital gains tax (CGT) and income tax
  • Claim tax relief on contributions of up to £40,000 or 100% of your earnings (whichever is lower).

You take responsibility for growing your retirement savings, so you should only open a SIPP if you’re an experienced investor and you understand the risks. You won’t be able to access your money until you reach the minimum retirement age of 55 (rising to 57 in 2028).

The value of investments can fall as well as rise and you could get back less than you invest. If you’re not sure about investing, seek independent advice. Tax rules can change and the value to you will depend on your circumstances.

1 Barclays does not offer an innovative finance ISA or a lifetime ISA


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