Stocks and Shares ISA

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“I wish I could have invested with Vanguard years ago”

What is a Stocks and Shares ISA?

It’s a type of account that means you can save for your future and save on tax at the same time. That’s because any returns you make in a Stocks and Shares ISA are tax-free.

You get to choose how your money is invested. We’ve got a range of options available, whether you’re a hands on investor or if you’d rather let us do the hard work for you.

You can pay a total of £20,000 into ISAs each tax year (from 6 April to 5 April). Whenever you need your money, you can just withdraw it. There are no restrictions or exit fees.

Why choose our Stocks and Shares ISA

Straightforward

You can pick your investments from our range of over 85 funds. Or if you prefer, you can let us pick and manage your investments for you.

View our funds

Value

Our funds are good value, which means you can keep more of your returns.

View our fees

Over 45 years of experience

We’ve been taking a stand for investors for over 45 years. Now over 50 million clients worldwide invest with us for their future.

Learn more about Vanguard

Choose how you want to invest

Do it yourself – choose your own investments

Build your own portfolio using our individual funds, with over 85 to choose from.

Or keep things simple and pick one of our 5 LifeStrategy funds. Each LifeStrategy mixes bonds and shares to balance risk and reward. You pick the one that suits your goal and attitude to risk.

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We do it for you – we choose your investments

We’ll match you with investments that fit your attitude to risk. Then we manage them every step of the way.

You'll also get expert investment guidance from real people if you need it.

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Compare how you want to invest

You can manage your investments yourself, or let us do it for you. Here’s a quick comparison of the 2 options.

	Do it yourself	We do it for you
24/7 access to your investments
UK-based customer service team
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No hidden charges or exit fees
A personal risk profile based on how you feel about risk
Choosing your funds	You pick from our range of over 85	We pick for you based on your risk profile
Managing your portfolio	You manage your portfolio yourself	We regularly monitor your portfolio and make changes when needed
Personalised guidance from our investment experts

	Choose how to invest	Open a managed account

An ISA transfer could make your life a little easier (and cheaper)

Bringing your investments together in our low cost Stocks and Shares ISA could save you time and money.

Learn more about transfers

Enjoy extra ISA peace of mind

We can make investing even more straightforward, by choosing and managing your funds for you. All tailored to how you feel about risk.

Learn more

Could our Stocks and Shares ISA be the right choice for you?

It’s easy, all we need is your:

name, address and mobile phone number
date of birth
debit card details (if you’re making a lump sum payment)
bank account details (if you’re making a regular payment by Direct Debit)
National Insurance number

Yes, you can now pay into more than one Stocks and Shares ISA in the same tax year. For example, you could pay into a Stocks and Shares ISA with us and a Stocks and Shares ISA with another provider in the same tax year. This change to the ISA rules came into effect on 6 April 2024.

You just need to make sure you do not go over your overall ISA allowance of £20,000.

You can only have one Stocks and Shares ISA with us.

Yes, you can pay into multiple ISAs each tax year. Just remember not to go over your £20,000 ISA allowance across all your ISAs.

Yes, you can transfer your Cash ISA to a Stocks and Shares ISA.

Let’s start with the similarities, before getting into the differences. Both pensions and ISAs are investment accounts and both allow you to save for your future with your returns protected from UK Capital Gains Tax and Income Tax.

The first big difference between pensions and ISAs is that with pensions you get tax relief, but you do not with ISAs. Tax relief is money added by the government to top up your pension. Basic rate taxpayers get an extra 20p for every £1 they contribute. Higher rate taxpayers can claim an extra 20p on their Self-Assessment tax return (25p for additional rate taxpayers).

The other big difference is when you can withdraw your money. With a pension you can only start taking money out from when you turn 55 (going up to 57 from 2028). With an ISA you can withdraw money whenever you like. Learn more about SIPPs and ISAs and how to decide which one is for you

Yes – which means that you can take money out and then put it back in again later in the same tax year, without it affecting your ISA allowance. All you need to do is make sure you stay within the annual ISA allowance across all your ISAs. However, our Junior ISA is not flexible.

No, transfers do not use up your ISA allowance.

Yes, you can cancel your Stocks and Shares ISA by sending us a secure message to let us know. Please note that it has to be done within 14 days of the date we served you with cancellation rights.

On cancellation, any investments can either be sold to you or transferred to another nominee on your behalf. If investments are sold, you may get back less than you invested because of market value loss. Any applicable charges will apply until your account is closed, and they will not be refunded.