Why invest?

In a nutshell, because over the long term investing can be a great way of giving your money the opportunity to beat inflation, and potentially grow in value.

So while it makes sense to have some cash savings to cover emergencies, or if you need easy or regular access to your money, investing may be a better option for longer-term savings goals.

abrdn’s investment business has nearly 40 years’ experience managing investments for individuals, companies and organisations around the world. Meaning your money is in good hands when you invest with us.

Find out more about the potential benefits of investing

What is a Stocks and Shares ISA?

A Stocks and Shares Individual Savings Account (ISA), also known as an Investment ISA, is a tax-efficient way to invest. What that means in practice is that you won't pay any tax on any investment returns you make in your ISA, or when you take money out of it.

Under ISA rules, you can currently pay up to £20,000 in a tax year into a Stocks and Shares ISA – known as the ISA allowance.

There's plenty of flexibility in where and how you invest too, with a choice of regular and lump-sum payments and investment options for beginner and experienced investors alike.

In exchange for the tax efficiency and flexibility, you'll need to accept an element of risk. If you’re not willing to take any risk, then investing probably isn’t for you.

All investments can go down as well as up, and you may get back less than you paid in. And as all investments can fluctuate in value, particularly over shorter periods, you should also be willing to keep your money invested for at least five years.

Open a Stocks and Shares ISA in three simple steps

It's quick and easy to open a Stocks and Shares ISA with us online – in fact you can do it in less than 10 minutes. Along with a few personal details, such as your National Insurance number and debit card/bank information, you'll need to confirm:

  • You're 18 years or older
  • You're a UK resident or classed as a crown servant (for example you work for the diplomatic or overseas civil service)
  • The ISA is for you

Open an ISA
  • #

    Choose your investments

    Choose either our easy or DIY investment option – depending how hands-on you want to be. 

  • #

    Confirm your details

    We’ll need to know that you’re eligible to pay tax in the UK.

  • #

    Choose your payments

    Pay in as much as you want, from just £1, when you want, with regular or lump-sum payments.

Our fees and charges

Unlike Cash ISAs, there are charges when you invest your money in a Stocks and Shares ISA.

With our Stocks and Shares ISA, you’ll pay what’s known as a platform charge for the services we provide to manage your ISA. At 0.35% a year, or £3.50 for every £1,000 invested, it’s less than many other ISA providers.

You’ll also pay a fund charge, which will vary depending on what you choose to invest in. For example, if you choose our easy investment option, you’ll pay 0.20% a year, or £2 for every £1,000 invested.

Find out more about fees and charges

Investment options to suit you

We have two options for investing your ISA payments – our easy or DIY option.

Our easy option could be for you if you’re new to investing, or want a quick and simple way to invest. All you need to do is decide how much risk you’re comfortable taking – abrdn’s experienced investment experts will then manage your investments for you, with the aim of achieving the best possible returns for that level of risk.

If you want to be more hands-on choosing your investments, our DIY option lets you pick from thousands of funds covering different asset classes, regions and investment styles. If you choose this option, you’ll need to regularly review your choices to make sure they remain appropriate for your goals and how much risk you want to take.

Mutual funds list

Get more information about investment options

You should make sure your investment choices meet your savings goals and how much risk you’re comfortable taking with your money. The more risk you take, the more the value of your investments could down as well as up, particularly over the short term. If you aren’t comfortable taking even a small amount of risk with your money then investing may not be right for you.

Why abrdn?

We’ve been helping people look after their financial futures for nearly 200 years. Under the Standard Life brand, which we sold in 2021, and now the abrdn brand, we’ve managed ISAs for thousands of customers. And our investment business has been managing investments for individuals, companies and institutions across the world for nearly 40 years.

We want to help people plan, save and invest for their futures, as well as help shape the future of the world we live in. So we’re committed to developing products and services that not only can help you meet your financial goals, but also can help your money make an impact.

More about abrdn 

Frequently asked questions

The main difference is that with a Stocks and Shares ISA, your money is invested, while with a Cash ISA, your money is saved as cash. Stocks and Shares ISAs are generally more suited for longer-term savings, while Cash ISAs may be a better option for savings that you may need to dip into regularly or in emergencies.

Read our What is an ISA? guide for more information