F&C Individual Savings Accounts (ISA)

You may already be aware how tax-efficient an ISA is. It can be used as a saving account ‘wrapper’ to hold a number of different investment options, including our range of award-winning investment trusts.

Your Individual Saving Account key benefits

Through our F&C ISA you can:

Generate income or tax-free capital growth potential over the medium to long-term
Invest up to £7,200 in a stocks and shares ISA.
You can transfer existing stocks and share ISAs with other plan managers to the F&C stocks and shares ISA
You can transfer your existing cash ISAs to our stocks and shares ISA (although you will not be able to make transfers from a stocks and shares ISA to a cash ISA).
Invest a lump sum or make regular monthly savings
Change your monthly savings or add lump sum top-ups at any time
Choose a combination of trusts to match your investment objectives and risk profile
Switch between trusts to match changes in your personal circumstances or market movements
Benefit from one low annual fee of £60 + VAT each year which covers all ISA investments held with us
Have no need to declare ISAs on your tax return

From 6th April 2008, new ISA regulations came into effect. This means you can consolidate your existing ISA and PEP investments with F&C – all for one low annual fee of £60+ VAT each year. This makes an Individual Saving Account ideal for almost any medium to long-term savings account objective, such as retirement planning.

For the tax year 2008/2009, the stocks and shares ISA limit is increased to £7,200 (but reduced £1 for £1 for subscriptions in the same tax year into a cash ISA, up to the cash ISA limit of £3,600).

Transferring existing ISA investments to F&C

You can transfer the value of your existing stocks and shares ISAs over to us – without losing their tax-efficient status. It’s a simple process.

You can transfer your existing cash ISAs to our stocks and shares ISA (although you will not be able to make transfers from a stocks and shares ISA to a cash ISA).

We recommend checking with your existing manager in case they will charge you for the transfer or as a result of your ISA accounts being closed.

We also offer a phased investment option for lump sum ISA investments into the Foreign & Colonial Investment Trust. Your money will be held in a deposit account at first and you can choose to have it invested in equal amounts over either three or six months.

Find out how to invest in our flexible ISA products

ISA brochure ISA key features document
F&C Investment Trust ISA application form F&C Investment Trust ISA Transfer application form