Individual Savings Accounts (ISAS)

Since their introduction in 1999, ISAs, have become one of the most popular and tax-efficient ways to invest and save for the future.

In 2014, the Chancellor announced sweeping changes to ISA regulations designed to encourage saving. These included bigger tax breaks and greater flexibility.

The ISA allowance remains at £20,000 for the tax year 2024/2025. Changes from July 2014 now allow full flexibility in how you can use cash and investments within the overall annual limit.

Our ISA funds are managed by some of the world’s leading fund managers. This means we will work with you to build a well-diversified portfolio that takes your needs and attitudes to risk into account. Our  service doesn’t stop when you start investing. Regular reviews allow us to tweak your portfolio as your needs or market conditions change.

Key Investor Information Documents

If you are looking to invest in an ISA, it’s wise to read our Key Investor Information Documents and Supplementary Information Document.

The value of an investment with St. James’s Place will be directly linked to the performance of funds you select, and the value can therefore go down as well as up. You may get back less than you initially invested.

An investment in a Stocks and Shares ISA will not provide the same security of capital associated with a cash ISA.

The favourable tax treatment currently given to ISAs is subject to changes in legislation and may not be maintained in the future.

Cash ISAs are not available through SJP.