NFU Mutual Stocks and Shares ISA

Good news for the over 50s... the amount you can save into an ISA increased to £10,200 from 6th October 2009

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. 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. You should remember that the value of stocks and shares ISAs can go down as well as up and you may not get back what you invested.

Investment limits

This tax year, the total annual ISA allowance is £7,200 which can be invested as follows:

The annual ISA allowance will rise to £10,200 from 6th April 2010, of which up to £5,100 can be invested in a Cash ISA option.

Investors who will be aged 50 or over on 5th April 2010 will get early eligibility for the increased annual ISA allowance of £10,200 and will be able to invest up to this amount from 6th October 2009.

NFU Mutual does not offer a Cash ISA Option.

How does the investment work?

The aim is to give medium to long-term growth potential for both single and regular contributions. Investing via our Stocks and Shares ISA also means that you will benefit from tax efficiency, as any money you take out of it is free of any personal tax liability. You should remember that if you take withdrawals, your capital amount will decrease if the growth of your investment does not exceed the level of withdrawals taken.

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.

You can invest from as little as £25 a month or £1,000 lump sum.

The value of tax benefits depends on individual circumstances. The above information is based on NFU Mutual's understanding of current HMRC practice and legislation which is subject to change.

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, to generate long-term growth rather than speculative short-term gains for investors.

Stocks and Shares ISA frequently asked questions Find out more information about NFU Mutual's Stocks and Shares with our Frequently Asked Questions.

Frequently Asked Questions

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