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 £15,240 – the equivalent of £1,270 per month (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, the total amount you could invest tax-efficiently is £30,480 into ISAs 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.


  • 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

How could your money grow?

We invest our Ethical Equity ISA in a unit trust called the Family Charities Ethical Trust. This invests mainly in UK shares of companies on the FTSE4Good UK 50 Index*. These companies must show that they are working towards environmental sustainability and ethical and social 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).

Remember, good returns in the past don’t guarantee good returns in the future. Because our Ethical Equity ISA invests in stocks and shares, its value can fall as well as rise which means you could get back less than you pay in. Also due to the selective nature of an ethical fund it can mean that it carries greater risk than funds with no such restrictions.

*“FTSE ®” is a trademark jointly owned by the London Stock Exchange Plc. and the Financial Times Limited and is used under license by FTSE. FTSE does not sponsor, endorse or promote this product.

**Source: Barclays equity gilt study February 2015. Average annual real rate of return based on Barclays indices.

Coins Illustration

Read more about how stocks and shares have performed against cash*  »

*Please note that the information provided is for your reference only and is based on general market information, not our own data.

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 £15,240 (or less if you’re paying into a cash or innovative finance 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.


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.


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.

Invest ethically

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

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.

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


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.


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

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