OneFamily

What is a stocks and shares ISA?

A stocks and shares ISA is an Individual Savings Account that invests in the stock market on your behalf.

At OneFamily, we keep it simple with two investment options, you can choose to put your money in a fund that invests fully in company shares or one that splits your money between company shares and other lower-risk fixed-interest investments. We charge an Annual Management Fee of 1.1% of the account value.

How much can I invest in a stocks and shares ISA?

For the current tax year, you can invest up to £20,000 in ISAs in your name. You can open a OneFamily Stocks and Shares ISA with a Direct Debit from £25 a month or a lump sum starting from £250.

How long should I invest in a stocks and shares ISA?

You can withdraw your money whenever you like and you won't pay any tax on the money you take out, although this does depend on individual circumstances and tax rules can change over time. We recommend you aim to invest for at least five years to reduce the impact of short term changes in the value of your investment.

What are the risks with a stocks and shares ISA?

Our ISA invests in stocks and shares which means you could see more growth than cash over the long term. But, as with all investing, the value of your investment is likely to go up and down over time and there is a risk that you could get back less than you've paid in.

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What are climate-friendly funds?

If you choose to invest in our Global Equity Fund, up to 100% of your money will be invested in climate-friendly options. With our Global Mixed Fund, up to 35% is used to buy shares in climate-friendly options, while the rest is invested in lower-risk, fixed-interest assets.

When investing your money in climate-friendly options, our fund managers use a clever scoring system to rank companies by climate-friendly criteria.

More money is invested in companies that have:

A higher revenue percentage from “green” business activities, such as renewable energy production.

Smaller amounts of fossil fuel reserves and less reliance on using fossil fuels to produce revenue.

A clear strategy and action plan to reduce greenhouse gas emissions.

A lower proportion of income from non-climate friendly activities such as drilling and mining.

Lower carbon emissions, including within their supply chain.

We also exclude the companies that score the lowest within each industry – meaning we don’t invest in them at all. Companies that are involved in things like building controversial weapons are also taken off the list.

This results in a portfolio of companies working towards causing less environmental damage compared to the companies non-climate-friendly funds are likely to invest in.

Find out more about our green investments

Why invest in a OneFamily ISA? 

We've over 45 years’ experience of being a trusted provider of financial products for children and adults, looking after over £5.5 billion for nearly 2 million customers.*

As a member-owned business, we want to have a positive impact on those around us. Our Inspiring Better Futures vision underpins our commitment to supporting our members and customers, creating an inclusive and diverse work environment and making a real difference in our communities.

Whether it’s offering affordable and accessible products to suit all types of savers, supporting our members with education grants, or giving back to our communities through charity partnerships and volunteering, our vision is at the heart of what we do.

*As at December 2022

See what your Stocks and Shares ISA could be worth

Choose how much you want to pay into your Stocks and Shares ISA and see how you money could grow 

This projection shows how your Stocks and Shares ISA could grow with low, medium and high performance. Remember, projections are not a guarantee of future performance and you could get back less than you pay in.

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Lower performance

After 5 years
You've invested £2,200

Projected value

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5 years
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Higher performance

What do these numbers mean?

Please note: No more than £20,000 may be invested into a Stocks and Shares ISA within a single tax year. This includes your initial investment and your monthly direct debit payments.

How to open a OneFamily Stocks and Shares ISA

  • 1

    Choose a fund

    Decide if the Global Mixed or Global Equity fund suits your approach to risk

  • 2

    Apply online

    Our simple application process shouldn’t take longer than 10 minutes

  • 3

    Set up a Direct Debit

    Save at a rate that suits you and your budget

  • 4

    Grow your investment*

    Keep track of your ISA’s performance in your online account

Apply for your ISA

Got a question about our Stocks and Shares ISA? Try our FAQs

*Our ISA invests in stocks and shares so its value can go down as well as up. This means you could get back less than has been paid in.

Choose which fund you'd like to invest your Stocks and Shares ISA in

Find out more about investing in ISAs

Our Investing for Beginners guides explain everything you need to know to start investing, including what things really mean and the risks you need to look out for.

ISA allowance limits

There are limits to how much money you can put into ISAs each year.

Find out how the limits affect you

Stocks and Shares ISA FAQs

Got a question about ISAs? Browse our frequently asked questions to get the answers you need.

View Stocks and Shares ISA FAQs

Transferring 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 your ISA

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.