Choose your plan

Individual Savings Accounts or ISAs, are a great way to save or invest tax-efficiently. With a Wealthify ISA you get:

• Up to £20,000 tax-free investing each tax year
• Tax-free returns
• No fees for withdraws or transfers
• With our flexible ISA, any money you take out can be replaced into a Wealthify ISA in the same tax year without it affecting your annual ISA allowance.

Wealthify offer investment ISAs, also known as Stocks & Shares ISAs.

A simple way to invest without the tax benefits of an ISA, ideal if you’ve used your ISA allowance.

• Top up whenever you like
• Your money isn’t locked in
• Low fees and no hidden costs

A Junior Stocks and Shares ISA is a tax-efficient way for you to save for your child.

• Top up whenever you like
• Low fees and no hidden costs

Money in a Junior ISA belongs to the child and they’ll be able to access it when they turn 18.

Each child can have one Junior Stocks & Shares ISA and one Junior Cash ISA, as long as the combined contributions don’t exceed £9,000 in each tax year.

If your child already has a Child Trust Fund, or a Junior Stocks and Shares ISA with another provider, then you’ll need to transfer the full amount to Wealthify using the official ISA Transfer Form to retain the tax benefits.

A great way to save for your future, or bring your old pensions together in one easy-to-manage place.

• Invest up to £60,000 a year tax free
• Tax relief top up of 25% automatically applied to your personal contributions

• Check your current fees: Whilst we keep our costs low, you should compare your current fees and charges with our annual management fee of 0.6%, to understand any differences. You can find your fees from your existing provider on your statements or by checking your account online or over the phone. By combining two or more pensions, you're not guaranteed more money in retirement than if you kept them separate.
• Check for charges: We won’t charge you if you transfer your pension to us (or if you decide to move to another provider). However, your existing pension provider might have an exit charge. Check your existing provider’s terms or give them a quick call if you’re not sure.
• Check you won’t lose any valuable benefits: This includes features such as loyalty bonuses. In your interest, we can't accept transfers of pensions with safeguarded benefits such as Defined Benefit pensions or those with a guaranteed income, or those where you can get more than your 25% tax free cash.

We can’t accept a transfer from a pension if you’re already taking an income from it.

Our investment experts will manage your Plan for you, however investment performance is never guaranteed. When choosing from our 5 investment styles, make sure you read the factsheets to help you understand the risks of your chosen style.

After receiving your request to transfer, your existing provider sells your investments and then your pension will be transferred as cash. This means for a period of time, your pension will be ‘out of the market’ while the transfer takes place.

Capital at risk. The tax treatment of your investment will depend on your individual circumstances and may change in the future.