Ethical Stocks & Shares ISA

Tax-efficient investments in sustainable listed companies

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Why a Triodos SRI fund?

Our investment strategy follows the UN Sustainable Development Goals which aim to end poverty, protect the planet and ensure prosperity for all.

Each company we invest in produces products or services that contribute towards at least one of the UN’s sustainable development goals, helping to build a more sustainable future.

More than ever, the world needs investments that make a positive impact, and impact investing plays an increasingly important role in the transition to a fairer and more sustainable world.

For over 25 years Triodos Investment Management has been investing for impact and has in-depth knowledge and expertise in making money work for people and planet. We have €4.2bn in assets under management, all directly contributing to a more sustainable future.

We can’t achieve a more sustainable future alone. So we collaborate with the companies we screen and invest in to promote and encourage sustainable practices.

We work with them closely to help them increase their positive impact. And we use the voting rights associated with our shareholdings to ensure that decisions around financial profit are never made at the expense of people or the planet.

Features

Through the Triodos Ethical Stocks & Shares ISA you can choose to invest in one or both of the socially responsible investment (SRI) funds on offer.

The Triodos Sustainable Equity fund

Initial charge	0.5%
Annual Service charge	0.4% per annum, charged on a quarterly basis
Ongoing charge	0.93% (incl. 0.75% management fee)

The Triodos Sustainable Pioneer fund

Initial charge	0.5%
Annual Service charge	0.4% per annum, charged on a quarterly basis
Ongoing charge	1.27% (incl. 0.95% management fee)

The amount deducted as our initial charge must be taken from your ISA subscriptions. However, any subsequent growth or fall in value of your holding will not affect what is classified as your original subscription amount.

The annual service charge is expressed as an annual percentage, and is calculated monthly based on the value of your holdings on the last business day of the month. On the first business day of the new month shares will be sold to cover the charge.

Ongoing charge dates: 30-06-2018. This figure may vary from year to year.

Invest in a more sustainable future

Read our step-by-step guide on how to invest tax-efficiently through our Ethical Stocks & Shares ISA

FAQs

To top up your Triodos Stocks and Shares ISA, simply download and complete the Stocks and Shares ISA top-up form below and post it to: Freepost RTAB-JGZR-BUHK, Triodos Bank,T. Bailey Asset Management Ltd, 64-66 St James’s Street Nottingham NG1 6FJ

There's still time to top up this tax year

If you'd like to top up in the 2018/19 tax year to make the most of your ISA allowance, your payment and top-up form will need to reach us by our ISA deadlines.

Yes, you can split your ISA allowance into different types of ISAs: Cash, Stocks & Shares, Lifetime, and Innovative Finance.

The ISA allowance is the maximum amount you can invest across all types of ISAs in any one tax year. You can put your whole allowance into a particular type of ISA or you can split it between the different types of ISAs: Cash, Stocks & Shares, Lifetime and Innovative Finance. The ISA allowance for the 2018/19 tax year is £20,000.

If you wish to transfer an existing ISA into our Ethical Stocks & Shares ISA, please first check with your existing ISA provider to see if there are any penalties or charges for transferring out.

To transfer an existing ISA into our Ethical Stocks and Shares ISA please download and complete the relevant ISA transfer form below and we will contact your existing ISA provider and request the transfer on your behalf. Do not move funds out of an ISA yourself, because your money will lose this ISA status.

If you do not currently have a Triodos Ethical Stocks and Shares ISA you must complete and return an Ethical Stocks & Shares ISA application form with your ISA transfer form.

You can switch between funds and share classes by completing a fund switch form.

A fund switch is when you sell your holding in one fund or share class and buy back another. For example, if you hold the Triodos Sustainable Equity fund and want to switch to the Triodos Sustainable Pioneer fund you should download and complete the fund switch form. This will instruct us to sell your holding in the Triodos Sustainable Equity Fund and buy back the Triodos Sustainable Pioneer fund.

We don’t charge for carrying out this instruction and the switch takes place at the same valuation point, however you must still meet the minimum investment amount of £1,000 and minimum top up amount of £500.

If you would like to switch, please ensure you have read the relevant Key Investor Information Document (KIID) which can be found under Key Documents

Please note, when selling your holding outside of an ISA you will realise a capital gain or loss. Most individuals have a capital gains allowance of £11,700 (for the 2018/19 tax year), below which there is no charge on gains. If you happen to make a capital loss this can be used to offset future capital gains.

ISAs let you save or invest up to £20,000 tax free each tax year. If you still have some of your ISA allowance remaining for the 2018/19 tax year (which ends on 5 April 2019), then use the table below to find out the cut-off date for you to invest or save, and make the most of your ISA allowance.

New ISA Accounts

Triodos ISA Type	Payment type	Application cut-off date
New Cash ISA - online application	Electronic transfer	Wednesday 3 April
New Cash ISA – paper application	Cheque	Midday Friday 5 April
New Junior Cash ISA – paper application	Cheque with suitable ID	Midday Friday 5 April
New Stocks & Shares ISA – paper application	Cheque	Midday Monday 25 March
New Stocks & Shares ISA – paper application	Electronic transfer	10.00am Thursday 4 April

Existing ISA Accounts

Triodos ISA type	Payment type	Application cut-off date
Existing Cash ISAs including Junior Cash ISAs	Cheque	Midday Friday 5 April
Existing Cash ISAs including Junior Cash ISAs	Electronic transfer	6.30pm Friday 5 April
Existing Stocks & Shares ISAs (must be accompanied by a completed top-up form)	Cheque	Midday Monday 25 March
Existing Stocks & Shares ISAs (must be accompanied by a completed top-up form)	Electronic transfer	10.00am Thursday 4 April

For electronic transfers please check with your sending bank to ensure your payment will reach us by our deadlines for this tax year as stated above.

Payments that reach us after these cut-off dates and times will still be processed, but will count towards your subscription for the tax year 2019/20.

If you hold a Triodos Fixed Rate Cash ISA, you cannot pay into that account if it has been open for more than 60 calendar days.

Declare your eligibility

If you haven’t put money into your ISA for a whole tax year, then you’ll need to re-declare your eligibility before you can pay into your ISA. The easiest way to do this is in Triodos Internet Banking – go to ‘Account Management’, and select ‘ISA Declaration Management’.

If you don’t have Internet Banking, you can download an ISA declaration form or request one by calling us on 0330 355 0355 (8:00am – 6:00pm Monday to Friday. Calls may be recorded for training and monitoring purposes).

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