Our Stocks and Shares ISA at a glance...
About OneFamily’s Stocks and Shares ISA
A OneFamily Stocks and Shares ISA is a type of account that invests your money in the stock market on your behalf. As it’s an ISA, there’s no tax to pay when you withdraw your money.
All you need to do is choose which of our two funds you’d like to invest in: one for more cautious investors and one for those happy to take more risk.
As it’s an investment product, your money has good potential to outgrow interest rates, but you need to be aware that there is a risk that its value could go down, which would mean you getting back less than you’ve paid in if you decide to withdraw while the value is low.
We charge an Annual Management Charge of 1.1% of the account value.
You can invest up to £20,000 in a Stocks and Shares ISA each tax year. But you don’t need to invest as much as that, at OneFamily, our minimum investment is just £25 a month by Direct Debit or a lump sum starting from £250.
You have a choice of two funds
As these funds invest in stocks and shares, the value of your account can go down as well as up, meaning you could get back less than you pay in. When you open your OneFamily Stocks and Shares ISA, you’ll be asked to choose which of our two funds you’d like to invest in:
Global Equity
For more adventurous long-term investors
Global Equity invests in company shares.
When deciding which shares to buy, Global Equity takes into account how sustainable companies' business models are and what they're doing to lessen their negative impact on the environment.
Annual Management Charge 1.1%
Risk rating
Lower HigherYou can find out more about Global Equity in our Key Information Document and Fund Factsheet
Despite having an investment focus on the climate, we've chosen not to apply a UK Sustainable Investment Label* for this fund. Find out why below.
Global Mixed
For more cautious long-term investors
Global Mixed invests at least 65% of your money into lower risk, fixed-interest assets, which makes this fund a more cautious investment option compared to Global Equity. This element of the fund doesn’t use Global Equity's climate-focused criteria.
Up to 35% of this fund invests in climate-focused company shares via the Global Equity fund.
Annual Management Charge 1.1%
Risk rating
Lower HigherYou can find out more about Global Mixed in our Key Information Document and Fund Factsheet
Ready to get started?
How will your money be invested?
Global Equity
Global Equity invests in company shares. The value of those shares changes as those companies make or lose money.
When selecting where to invest, Global Equity selects companies from the MSCI Index based on how likely they are to make money, as well as their climate credentials:
You can find out more about the systematic approach Global Equity uses when selecting company shares here: 'How we invest for a brighter future'.
Global Mixed
Up to 35% of Global Mixed is also invested in company shares using the same selection criteria as Global Equity.
The rest is invested in lower risk, fixed interest assets, which aren't chosen using a climate scoring system.
This could mean some investments are included that would have been filtered out of the Global Equity fund.
The fixed-interest assets reduce the risk of losing money when you invest in this fund but also limit how much the fund can make.
*UK Sustainable Investment Labels
"Sustainable Investment Labels" have been introduced to help investors find products that have a specific sustainability goal, although not every fund that uses sustainable criteria qualifies for these labels. Because the way Global Equity invests doesn't exactly align with the definition used for these labels, this product doesn't have a UK Sustainable Investment label.
More information on sustainability labels, and a reminder of how Global Equity targets sustainable environmental outcomes, can be found in our sustainability disclosure document.
Find out about UK Sustainable Investment Labels on the Financial Conduct Authority website.
Why invest in a OneFamily ISA?
We’re owned by our members for our members, which means we don’t have shareholders to pay – so we can reinvest our profits for good.
Putting our members first and improving the financial wellbeing of those who need it most is firmly built into our values. We have nearly 1.6 million customers* and 49 years’ experience of providing accessible, affordable products to help people make the most of their money. And don’t just take our word for it - our customers rate us highly, with an overall satisfaction score of 93% in 2023.**
Our Inspiring Better Futures vision is driven by doing the right thing for our customers, colleagues and communities. We awarded 111 young people with education grants to help with the cost of further education and training in 2023, as well as supporting our communities through volunteering and our charity partnerships.
*As at 12 May 2024.
**Source: Bright survey, 2023.
Learn about investing in ISAs
Find out everything you need to know about investing with our simple investment insight articles.
How does the annual ISA allowance work?
You can put up to £20,000 in ISAs in your name each tax year. Find out how this limit works.
What should I do if my stocks and shares ISA loses value?
It’s normal to see the value of your investment go up and down over time. The worst thing you can do is panic!
How your choice of fund could help tackle the climate emergency
We take climate change seriously. That’s why we give our ISA and Lifetime ISA customers the option to put their money in a climate-focused fund.
Video: What is investing?
Hear our fund managers talk about what happens to the money you pay into a OneFamily Stocks and Shares ISA.
Anything else you need to know?
Explore our FAQsTransferring into our Stocks and Shares ISA
Transfer an ISA to OneFamily
If you’ve got an ISA with a different provider, you can transfer it to us free of charge. We accept transfers from Cash ISAs and Stocks & Shares ISAs with a balance of at least £250.
Transfer money from a OneFamily Child Trust Fund into an ISA
If you want to transfer your OneFamily Child Trust Fund money into our ISA or Lifetime ISA you will need to register or log into your Child Trust Fund online account.