Ethical ISAs – Stocks & Shares (Investment) ISAs
Start a new ethical stocks and shares ISA or transfer and consolidate existing ISAs.
We offer FCA regulated, independent financial advice to guide you through your options and help you find sustainable, ethical investments for your ISA.
Our carefully selected range of investment providers allows you to choose from multi-asset ethical funds, portfolios using a blend of ethical approaches (ESG + SRI etc.), or dark-green ‘Impact’ funds and portfolios that are helping to solve the many problems facing our world.
Funds and portfolios come in a range of risk ratings to suit a variety of investors from cautious to adventurous.
Get in touch today to discuss how we can help you use an ethical stocks and shares ISA to achieve your financial objectives, while making a positive contribution to the planet.
How we Build an Ethical Stocks & Shares ISA
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 solid 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.
ISAs are a tax efficient savings account for holding your chosen investments and to create an ethical stocks and shares ISA, we help you choose socially responsible and environmentally conscious underlying investments.
To start, we find out about you, your ethical views and your investment objectives.
An informal chat helps us understand what you are trying to accomplish and the kind of investments that might be suitable.
The aim of this initial conversation is to give you some idea of the options that exist, how we put things in place and the possible fees.
Thereafter 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 investment 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.
By asking a series of questions about your views on ethical investing, your financial objectives and your understanding of investment risk we are able to research an appropriate solution that matches your ethical views and investment objectives while also considering the amount of risk you are comfortable taking with your money.
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.