Triodos Ethical Stocks & Shares ISA
Invest in sustainable equities through an Individual Savings Account
- Rigorous best-in-class selection of sustainability performance, with strict minimum standards
- Choose from both the Sustainable Equity and the Sustainable Pioneer fund
- Invest from £1,000 up to £20,000 per tax year, or top up from £500
- Easily transfer your existing Cash or Stocks & Shares ISA, charges may apply
- SRI initial charge 0.5%, additional service and management fees apply
Details on buying more shares, and moving into a Stocks & Shares ISA
The Triodos Ethical Stocks & Shares ISA is offered to residents of the UK who are 18 years of age or over. The benefits of an ISA depend on your individual circumstances and tax rules may change in the future.
Your capital is at risk and the value of your investment may go down as well as up, and you may not get back the amount originally invested. Income is variable and not guaranteed.
The Triodos Sustainable Equity and Pioneer funds are quoted in sterling, however when you purchase or sell, your sterling is converted from sterling into euros or back from euros into sterling. Your total return is therefore subject to the euro-sterling exchange rate. Dividends are converted from euros to sterling. You are also exposed to currency fluctuations in the regions in which the funds invest.
Investments are not covered by the Dutch deposit guarantee scheme, however they may be covered by the Investor compensation scheme. For more information on these schemes please read the deposit guarantee scheme and investor compensation scheme page.
What is an ISA?
ISA stands for Individual Savings Account and offers investors or savers a tax efficient way to save.
An ISA operates as a 'wrapper', in which you can house different types of investments or savings. Through our Ethical Stocks & Shares ISA you can choose from both the Triodos Sustainable Equity fund and Sustainable Pioneer fund.
Who can invest?
Any individuals aged 18 or over who are resident in the UK are eligible to invest in our Ethical Stocks & Shares ISA. The benefits of investing in an ISA depend on your individual circumstance and tax rules may change in the future.
The minimum initial investment amount is £1,000 per fund or you can top up from £500. You can invest up to the full amount of £20,000 into either a Stocks & Shares ISA, Cash ISA or an Innovative Finance ISA. Alternatively you can split your investment between each type of ISA, providing you stay within the overall £20,000 limit.
How do ISAs work?
Within an ISA there is no capital gains tax and no further tax on income or interest generated. You are able to invest up to £20,000 per tax year (this tax year runs from 6 April 2017 to 5 April 2018).
Cash ISA, Stocks & Shares ISA, Innovative Finance ISA or Lifetime ISA?
From the 6 April 2017 you will be able to save through four different types of ISA; Cash ISA, Stocks & Shares ISA, Innovative Finance ISA and a Lifetime ISA. Triodos Bank UK offer both Ethical Cash ISAs and an Ethical Stocks & Shares ISA.
A Cash ISA is a tax free savings account where you deposit money and earn interest tax free. Your capital is not at risk in a Cash ISA. For more information regarding our Ethical Cash ISAs, please click here .
A Stocks & Shares ISA allows you to invest in the stock market, all gains are tax free and there is no tax to be paid on income received. Stocks & Shares ISAs are higher risk than Cash ISAs as the value of your investment can fall as well as rise and you may get back less than originally invested.
An Innovative Finance ISA is a type of ISA which allows savers to earn tax free interest using peer-to-peer lending platforms.
From the 6 April 2017, adults under the age of 40 will be able to open a Lifetime ISA. The Lifetime ISA allows savers to save up to £4,000 a year tax free for their first home or retirement with an added boost of 25% from the government.
Please note that investment decisions must be made on the basis of the information provided in the Prospectus and Key Investor Information Document, and not only on information provided in this summary.
This information is not financial advice. If you are unsure if either of our funds is the right investment for you, please seek independent financial advice. If you don’t have an independent financial adviser, you can get details of local financial advisers by visiting www.unbiased.co.uk.