Investment guide

Put your money to work with an ISA

What is an ISA?

An investment ISA (Individual savings account), also known as a stocks and shares ISA is an easy way to get investing for the future. The main difference between an ISA and any other savings account is that it offers tax-efficient interest payments, so you could take your money further.

There is a limit to how much money you can put into an ISA in each tax year, which is called the 'ISA allowance'. The ISA allowance for the current tax year is £20,000.

Types of ISA

When investing in an ISA with NatWest Invest, the experienced investment managers at Coutts do the day-to-day investing for you. You simply choose which of our five funds works best for you - depending on how much risk you want to take - and we’ll do the rest.

Aside from stocks and shares ISAs, there is the option to hold a cash ISA, which is a simple savings account that allows for instant access to your funds. Interest rates on cash savings can be low and thus a stocks and shares ISA offers potential for higher return over the long term.

At the same time, investing comes with additional risks - there’s always the chance your investments will lose value and you could get back less than you initially put in. To make the most of investing, it is important to have a long-term view of your portfolio.

You can use your ISA allowance in full or split it between different ISA types.

You will have access to your money any time. Withdraw or add more funds, and view your Invest balance in the NatWest app.

Benefits of having an ISA

If you have longer term savings goals, ISAs can help you save and invest in a tax-efficient way. Stocks and Shares ISAs are supposed to be a medium to long-term investment. This means they should be held for at least five years.

Some ISAs give you instant access to your money, offering you a more flexible way to save and plan your finances in the shorter term.

There are also Fixed Term ISAs designed to give you 1 or 2 years fixed interest. 

Your ISA allowance applies to you as an individual. Being married or in living with your partner, for example, won’t affect your allowance.  

Get started with NatWest Invest

You’ll need to be a NatWest customer with Online Banking, aged 18 – 84 and a UK residence for tax purposes. 

Click “Continue” to log into the NatWest Invest portal.

Learn more about investments

Whether you’re an experienced investor or just finding out what investing is, we’ve got a range of articles to help you understand more about investing.

We regularly update our articles depending on what’s happening in the market so check back for future updates.

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