Equiniti Shareview Dealing ISA

Looking to make the most of your tax breaks? A stocks and shares ISA from Equiniti can help shelter your investments from tax.

How to make the most of an ISA – start early!

Using your ISA limit at any time is better than not using it at all. But the truth is, it’d be better to use your ISA allowance at the start of the tax year, not the end. After all, if you start investing on April 6th, your investment has another 364 days prospective growth, tax-free. If you wait until April 5th 2011, you’ve lost nearly a year of tax-sheltered dividends or potential capital growth. So if you tend to leave it until the last minute, it’s time to make a resolution for the new tax year – start planning to use this year’s ISA allowance now.

What is an ISA?

An ISA is an Individual Savings Account designed to shelter your savings and investments from tax. There are two types of ISA: a Cash ISA for cash savings, and a Stocks and Shares ISA for shares and similar qualifying investments like funds (OEICs and unit trusts) and bonds. The Equiniti Shareview Dealing ISA is a Stocks and Shares ISA.

What are the benefits of a Stocks and Shares ISA?

You can invest up to £10,200 per annum in a Stocks and Shares ISA.

If you are a higher rate tax payer you only have to pay the lower rate of tax on dividend income.
You are also shielded from Capital Gains Tax (CGT) and although the current CGT annual allowance is £10,100 and you might not be too worried about breaching it, if you’re going to be investing over several years, you may well find that at some point in the future you are very glad of that CGT exemption.
Also of benefit is that you do not have to note investments in an ISA on an annual tax return if you file one.

What can you invest in with the Equiniti Shareview Dealing ISA?

The investment remit for ISAs is very broad. This means you can create a balanced portfolio of investments including shares, corporate bonds and gilts.

You can diversify your investment with funds too. We have over 1,300 funds available from over 50 leading fund managers**.

You can also invest in investment trusts, exchange-traded funds (ETFs) and basically any stock traded on what HM Revenue & Customs deem ‘Recognised Markets’. This therefore does exclude some AIM and Plus listed stocks. For more information please visit www.hmrc.gov.uk

You can even hold cash in the Equiniti Shareview Dealing ISA while you are deciding which investments to choose, and we pay a competitive rate of interest.

Transfer certificated shares to a Stocks and Shares ISA

Transfer Sharesave (SAYE) shares to a Stocks and Shares ISA

**Correct as at 1 March 2009.

What are the costs of an Equiniti Shareview Dealing ISA?

There is an annual fee of just 0.5% of the value of your holdings, with a minimum of £20 and maximum of £75 + VAT.

Stock dealing charges are:

From £12.50 online per trade for general dealing.
From £5.00 per trade with SmartDeal bulk dealing.
From £1.75 per trade with a regular investment.

Rates and charges (PDF)

Find out more about how Regular Investment works

Find out more about how SmartDeal bulk share dealing works

A Stocks and Shares ISA is like all other investments in that, their value and any potential income from them can go down as well as up.

Move certificated shares or Sharesave (SAYE) shares in to an ISA

If you have existing shares as a paper certificate or from a company Sharesave (SAYE) scheme, you can make these holdings tax efficient by putting them in to your Stocks and Shares ISA, once opened. The two links below will open a pop-up explaining how to transfer these shares in to your ISA.

How to apply for a new ISA / transfer an ISA to Equiniti

You can apply for an Equiniti Shareview Dealing ISA any time, day or night by using our simple online application service.

To transfer an existing Stocks and Shares ISA from another broker, you will need to first open an Equiniti Stocks and Shares ISA (accepting our Terms and Conditions) and then complete an ISA Transfer form, sending it to: Equiniti, PO Box 4605, Worthing, BN99 6QY.

We’ll liaise with your existing provider on your behalf.

Important Information

Before you start dealing please read the following documents.

Ready to apply?

Existing ISA Customers

Service Availability

Online

You can do your share dealing online, in real time, between 8:00am and 4:30pm, Monday to Friday.

Phone

Alternatively, you can deal over the phone by calling us on 0845 300 0430. (Lines are open Monday - Friday, 8:00am to 4:30pm for dealing, and until 6:00pm for enquiries).

Download our ISA brochure

If you would like to speak to someone about our ISA, please call 0845 300 0430.

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Corporate ISAs and Investment Accounts

If a company in which you hold shares has arranged for an ISA and/or Investment Account to be offered, please click here.