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Ethical investments for a better world

If you’d like to make the most of your ISA allowance, and care about how you invest, our Ethical Equity ISA could be the answer. It’s designed for people who want to invest in companies that have demonstrated that they are promoting good environmental and social practices. An ISA is a tax-efficient way to invest because proceeds from the account are free from income tax and capital gains tax.

You can invest in our Ethical Equity ISA up to this year’s annual ISA allowance of £20,000 (these limits are reduced by any payments you are currently making into any other ISA). If you use your ISA allowance every year, you could potentially build up a large sum to help fund your future. As a couple, if you both open ISA accounts, the total amount you could invest tax-efficiently is £40,000 in the current tax year.

Remember that the tax advantages of ISAs depend on your individual circumstances. Also, the tax rules might change in the future.

AT A GLANCE

  • Individual Savings Account
  • An ethical, tax-efficient way to invest
  • Open your Ethical Equity ISA with at least £50 a month by direct debit or a lump sum of £500
  • Invests in stocks and shares. As the value can fall as well as rise, you could get back less than has been paid in
  • You can access your money as and when you need it but you should consider this a medium to long term investment of at least 5 years

Potential for growth

Our Ethical ISA invests in the Family Charities Ethical Trust – a unit trust that aims to achieve growth by closely following the top 50 companies listed on a selected UK ethical index. The index is designed to measure the performance of companies demonstrating strong social, ethical and environmental corporate responsibility standards.

You can find out more about this in our Key Investor Information document.

We'll invest your money in stocks and shares because we believe there is good potential for growth over the long-term. In every 18-year period during the last 50 years, stocks and shares have typically performed better than cash or building society accounts* (where the money you put in is protected but typically grows modestly).

*Barclays Equity Gilt Study March 2016. Average annual real rate of return based on Barclays indices.

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Our Ethical Equity ISA

Here’s how it works:

  • You can open an Ethical Equity ISA if you’re 18 or over and aren't contributing to another stocks and shares ISA in the same tax year.
  • Open your Ethical Equity ISA with at least £50 a month by direct debit or a lump sum of £500.
  • Invest up to the annual ISA limit of £20,000 (or less if you’re paying into a cash, innovative finance or Lifetime ISA).
  • Put more money in whenever you want (as long as it’s £50 or more).
  • Keep in mind that our Ethical Equity ISA should be considered as a medium to long term investment, so you should be prepared to invest for at least five years.

Why choose our Ethical Equity ISA?



Experienced and trusted

We have over 40 years' experience and look after over £7 billion of family money for over 2 million customers.



Affordable

You can make additional one-off payments of £50 or more. Also, there’s no fixed-term. But as it’s designed as a medium to longer-term investment you should be prepared to leave your money invested for at least 5 years.



Tax-efficient

There’s no income tax or capital gains tax on the proceeds, so your money will go that little bit further. Remember, tax advantages depend on individual circumstances and may change in the future.



Owned by you

Proud to be a mutual, we’re owned by you, our customers so everything we do is genuinely about putting our customers first.



Invest ethically

Invest in companies that promote good environmental and social practices. Please see key investor information below.


Helping you decide

Please read these essential documents to make sure our Ethical Equity ISA is right for you:

Important Information booklet (Ethical Equity ISA)

Key Investor Information document (Family Charities Ethical Trust)

Family Charities Ethical Trust factsheet

 

Request a pack

If you think that OneFamily’s Ethical Equity ISA is right for you – or if you’d like to find out more – please click the button below to request your information pack and the forms you need to apply.

Request a pack

TALK TO US

You can request an information pack over the phone  by calling us free on:

0800 731 7433*

We'll be here from 9am to 7pm Monday to Friday and 9am to 1pm on a Saturday.

*We might record your call to help improve our training and for security purposes. We hope you don’t mind. Calls are normally free from UK landlines and from mobile phones.

REQUEST A PACK +

We'll post you a pack including all the information you need to apply.

Send me a pack