Build Your Wealth Tax-Free.
Contribute up to £20,000 in the 2017/18 tax year, with no tax to pay on any capital gains or income received on your investments.
Withdraw from your ISA or transfer your ISA at any time with no additional cost.
Capital Markets Investment
Access potentially greater returns than could be achieved in a low-interest Cash ISA. But remember, when investing your capital is at risk.
We Do Everything for You
We build your tailor-made portfolio, monitor it continually and adjust it when needed to keep risk constant in all market conditions.
We Optimise for Better Risk-Adjusted Returns
Our unique technology helps you avoid periods of excessive market risk which typically go hand in hand with lower returns.
We Give You a Real Understanding of Risk
Do you know how much you could lose in a bad year with a "moderate risk" portfolio? Neither do we. That's why we give you a precise risk measure.
We Make It Easy to Get Started
Our sign-up process is completely paperless, comprises of just a few easy steps, and can now even be completed via our iOS app.
We Give You Full Transparency
You can access your account overview online or on the go via our mobile apps, with full transparency on portfolio performance (real-time), allocation and fees.
We Help You Save Fees
We charge a low fixed fee of 0.75% p.a. and use exchange-traded funds that cost only 0.25% p.a. on average. No hidden fees.
A Stocks & Shares ISA may not be right for everyone and tax rules may change in the future.
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The planner below shows the performance of an investment of £20,000 (full ISA allowance) over a 20 year time horizon. We’re comparing the forecasted performance of a Stocks & Shares ISA with Scalable Capital over 4 different risk categories with an investment into a cash ISA.
Your individual investment strategy is based on the risk category which is linked to the risk measure Value-at-Risk (VaR). Scalable Capital’s VaR is defined as an annual loss, which shouldn’t be breached with a probability of 95%. For example, a VaR of 12% means that, with a likelihood of 95%, your portfolio should not lose more than 12% in value. Put differently, in nineteen out of twenty years, an annual loss of more than 12% should not occur. The risk categories which are suitable for you are based upon the risk questionnaire you have completed.
Stocks and Shares ISA returns
The ISA Planner uses long-term average return assumptions for a static portfolio of ETFs and index funds using historical data from 2001 to 2016. The static weights depend on the risk level. The 5th, 50th and 95th percentile represent a poor, mean and good performance, respectively. Realised performance below the 5th and above the 95th percentile may occur with a correspondingly low probability and is represented by the light red and turquoise area, respectively, outside of the cone (the 99th and 1st percentile constituting the outer bounds). Our total fee of 0.75% per year as well as an average expense ratio of 0.25% per year for the ETFs are taken into account. For details refer to the Investment Planner Methodology in the Documentation section in our website footer.
Cash ISA returns
Calculations are based on data from the Bank of England as of 31/07/2016. For the projection of Cash ISA rates, the historical average of monthly interest rates on sterling cash ISA deposits from households has been used. In the timeframe of 2000-2012, the historical average is based on the monthly interest rates of branch-only deposits. From 2012 on, the average is based on online sterling cash ISA deposits excluding unconditional bonuses from households.
In this free guide you'll discover
What an ISA is
What the tax benefits of ISAs are
How to transfer ISAs
How Stocks & Shares ISAs have outperformed Cash ISAs
How you can improve investment performance through lower costs and better risk management
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No lock-in, no hidden fees, full transparency.