Stocks & shares ISA

We currently offer a choice of two ISAs: the NFU Mutual Stocks and Shares ISA is a stocks and shares ISA that gives access to unit linked investment funds. Our Shrewd Savings Plan ISA is also a stocks and shares ISA, but it is With-Profits based rather than unit linked.

On this page you will find information about the NFU Mutual Stocks and Shares ISA. Find out more about our Shrewd Savings Plan ISA.

The NFU Mutual Stocks and Shares ISA invests in the NFU Mutual OEIC and aims to achieve medium to long term capital growth, designed to be held for 5 years or more. There is a range of funds available to give you the flexibility of spreading your investment risk. The Stocks and Shares ISA allows you to benefit from the potential for tax efficient income, growth or a combination of both.

This means that, unlike many other types of saving and investment, you do not have to pay personal tax on any profit you make, or even declare this on your tax return.

Please remember:

The value of tax benefits depends on individual circumstances and is subject to change.

The value of stocks and shares ISAs can go down as well as up and you may not get back what you invested.

Stocks & shares ISA special offer

Make the most of what’s yours with tax efficient investments. Choose from two special offers on our ISAs to help you make the most of your money.

For lump sum payments fifty percent off initial charge

Up to £600 cash back reward
when you make monthly payments of £300+ to an NFU Mutual ISA until 30th April 2014. Cash back reward equal to one month’s payment (payable in June 2014), up to a maximum of £600.
50% off the initial charge
when you make a lump sum payment of £5,000+ to an NFU Mutual ISA. Annual Management charges apply.
Find out more

Investment limits

In the 2011/2012 tax year, the total annual ISA allowance has increased to £10,680 which can be invested as follows:

Stocks and shares	Up to £10,680 less the amount of any money deposited in a cash ISA
Cash	Up to £5,340
Overall maximum investment	£10,680

The annual ISA allowance will be linked to the rise in inflation (measured by the Consumer Price Index) each year. In the event of a negative inflation figure, the allowance will be frozen.

How does the investment work?

You can invest from as little as £25 a month or £1,000 lump sum. You will have a choice of different funds in which to invest (subject to minimum investments per fund), depending on your investment objectives. The available funds include a choice of 'Managed' funds as well as a range of more focused 'Market' funds. These are explained in the 'frequently asked questions' section.

Investment expertise

Investments in the NFU Mutual OEIC are managed by NFU Mutual's investment team, who choose which stocks to invest in. Their philosophy is always to balance potential returns without taking unnecessary risk. In other words they aim to generate long-term growth rather than speculative short term gains for investors.

If you want to obtain a free copy of the simplified or full prospectuses (in English) or the annual and half-yearly reports of the NFU Mutual OEICs at any time:

Call us on 0870 606 6462 during normal working hours Monday – Friday. We may record telephone calls for training and monitoring, or for security purposes. Or, write to us at: N.F.U. Mutual Unit Managers Limited, BNY Mellon House, Ingrave House, Brentwood, Essex, CM15 8TG.

Request a Financial Consultant* appointment

If you request an appointment, we'll aim to call you back within 24 hours (or the next working day), to arrange a time to meet a Financial Consultant* Request an appointment online

Alternatively, call us today** if you would like a personal response from one of our friendly and qualified staff