Tax-efficient investing

There are many ways in which you can make your investments tax efficient. Here Schroders gives a brief overview of ISAs (Individual Savings Account).

What is an ISA?

An ‘Individual Savings Account’ (ISA) is a tax efficient savings account. The Government designed ISAs to allow more people to save for the future. Investments made in ISAs are not liable for income tax or capital gains tax. The maximum amount that you can invest in an ISA for this tax year is £20,000. The favourable tax treatment of a ISA may be subject to change in the future.

The value of investments and the Income from them may go down as well as up and investors may not get back the amount originally invested.

Issued in April 2015 by Schroder Unit Trusts Limited, 31 Gresham Street, London EC2V7QA, which is authorised and regulated by the Financial Conduct Authority. UK09171.

For more information on ISAs and their benefits, please visit the Inland Revenue website at

Why a Schroders ISA?

With Schroders, you can invest up to £20,000 this tax year in a stocks and shares ISA.

There are two types: cash, or stocks and shares. You can invest in one or a combination of both, up to your annual limit. We do not offer cash ISAs at Schroders.

Our broad range of funds can give you access to a variety of global markets and investment themes for your stocks and shares ISA. You can invest in a specific market like the UK or choose a broadly-based fund giving access to a variety of world markets or sectors.

The type of ISA you choose is important and if you're not sure you should speak to your financial adviser. If you currently do not have a financial adviser, you can search for one below:

Search for independent financial advisers in your area

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Although the ISA investment is tax free, the fund itself may have incurred other forms of taxation. The favourable tax treatment of ISAs may not be maintained. Tax assumptions may change and the value of tax relief will depend upon individual circumstances.