Ethical ISAs – Stocks & Shares (Investment) ISAs
Start a new ethical stocks and shares ISA or transfer existing ISAs and achieve your financial objectives while having a positive impact on the planet.
We offer FCA regulated, independent financial advice to help you choose from a range of carefully selected sustainable investments and create your ethical ISA.
- award winning ethical funds and portfolios using a blend of ethical approaches
- dark-green ‘Impact’ funds and portfolios that invest in businesses solving global problems
- fully bespoke portfolios for high net worth investors (over £200k)
Get in touch today to discuss how we can help you set-up a new ethical stocks and shares ISA or transfer and consolidate existing ISAs in to something more ethical.
“As economies around the world begin to ‘decarbonise’ and lay foundations for a more sustainable future, we believe conditions will favour investments aligned with those goals.”
How it works
ISAs are a tax efficient savings account for holding your choice of investments.
To create an ethical stocks and shares ISA, we simply help you choose socially responsible and environmentally conscious underlying investments.
To start with we’ll schedule a free, no obligation phone consultation or online meeting where you can:
- Tell us about yourself and what you want to achieve (investment goals & objectives)
- Discuss your ethical investing preferences (all-round ethical / strict avoidance / impact investor or a blended combination)
- Carry out a ‘risk profile’ questionnaire to help find investments that match the level of risk you are comfortable taking with your money
The aim of this initial consultation is to give you some idea of the options that exist, how we put things in place and the possible fees. It also helps us understand what you are trying to accomplish and the kind of investments that might be suitable for you.
With the information obtained, we’ll prepare a free risk profile report, some basic projections and send you information about the choice of investments we believe will match your ethical preferences.
From there you can decide if you would like us to conduct a more thorough review and provide you with a personal, ethical ISA recommendation.
Any existing ISAs can be reviewed to make sure they are aligned with your preferences and objectives or we can help you start a new ethical ISA.
Your ISA can be held on an online platform giving you access to login and keep track of progress and we can help you choose from a wide range of existing ethical funds and portfolios with excellent credentials, solid performance and competitive fees.
Creating Ethical Stocks & Shares ISAs
Instead of picking a selection of individual company stocks and shares for your ISA, we will recommend existing ethical funds or portfolios created by fund managers with many years’ experience managing truly ethical solutions with a track record of good performance.
Investment options have been carefully selected based on ethical credentials and include:
Ethical Funds – from respected fund managers with a track record of positive engagement and solid performance
Ethical Model Portfolios – ‘off the shelf’ portfolios containing a range of ethical funds. (ESG, SRI & Impact portfolios are available to suit a variety of ethical preferences).
Bespoke Portfolios – for high net worth investors. A portfolio constructed just for you. (Semi-bespoke portfolios over £200k, fully bespoke over £500k).
Funds and portfolios can exclude fossil fuels, weapons, gambling, tobacco, pornography etc. and then apply a further ‘screening’ process to remove heavy polluters, human rights abusers and companies with poor management ethics.
Investment options are available across a complete range of risk profiles from adventurous to risk averse and both performance and fund charges are competitive.
Chosen investments can be placed in your ISA and we provide annual reviews to make sure things are on track.
Our aim is to keep fees competitive so that it does not cost the earth to save it, and in most cases we can give you an indication of fees during our initial conversation.
Get in touch today to start your ethical ISA journey.
Making best use of your ISA(s):
Your ISA provides a tax efficient environment for your investment to grow because you don’t pay Income Tax or Capital Gains Tax on the growth.
Besides being one of the most effective ways to save tax they are also simple, straightforward and flexible.
Here are just 5 helpful ways to make the best use of your ISAs.
- Use your annual allowance. This may seem obvious but if you don’t use it you lose it. Any unused allowance can’t be carried over to the next year and because of the tax advantages of ISAs it makes sense to make full use of them if possible.
- You don’t have to contribute in one lump sum. Regular saving can take advantage of when markets dip and some stocks and shares can be bought when prices are low.
- Simplify your savings. Unlike other accounts, ISA gains do not need to be declared on a tax return. If the majority of your savings are tucked up in ISAs there’s less to think about at the end of the Tax Year.
- Inter-spousal estate planning. It is now possible to transfer ISAs to a surviving spouse or civil partner on death. Since 2015 it has been possible for a spouse or civil partner to ‘inherit’ the tax benefits.
- Regular reviews can maximise your ISA potential. If your stocks and shares ISA investments are not performing as well as they could or are no longer aligned to your risk preference then don’t rely on hope. Regular reviews can keep things on track.
ISAs are a useful financial planning tool and can be put to work in your favour with the right approach and understanding.
Make best use of the 2020/2021 annual ISA allowance which is £20,000 and can be spread between a selection of cash or stocks & shares ISAs.
Get in touch and discuss your ethical ISA options.