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How Risky is Investing?

  • Is keeping your savings in cash riskier than investing it?

    Investing cash into a Stocks and Shares ISA may help your savings beat low interest rates and rising inflation 

  • You wouldn't stuff cash under your mattress... so why leave your money in cash?

    Investing is 90% more likely to outperform cash over 10 years.*

    So your money can go further.

    *Barclays Equity Gilt Study 2016

    Open an ISA today

How risky is investing?

History tells us that, over any 10 year period, you were 90% more likely to do better in shares than in cash. 

Many of us feel that keeping savings in cash is the safest option. However, with low interest rates and inflation on the rise, keeping your savings in cash also carries its own risk.

Watch our video to find out what happened to £20,000 invested in a Stocks and Shares ISA the UK stock market for 20 years.

Invest in a Selftrade Stocks and Shares ISA and keep the power in your money

By investing your cash savings into a tax efficient Stocks and Shares ISA, you’ll make sure you don’t pay any more tax than you need to and take advantage of the following benefits:

  • £20,000 annual ISA allowance limit
  • Don’t pay any Capital Gains Tax or additional income tax on any dividends received
  • No need to declare on your tax return
  • Your money can be accessed any time
  • Potential to outperform your cash savings over the long-term

Why choose a Selftrade Stocks and Shares ISA?

Simple and Hassle Free

Transferring from a Cash or a Stocks and Shares ISA

Transferring money and/or investments from another ISA provider into your Selftrade Stocks and Shares ISA is simple and hassle free and it takes less than 10 minutes to arrange. 

1. Download and complete the relevant form.
2. Return the completed form to us 
3. We’ll take care of the transfer from your old provider to your new Selftrade Stocks and Share ISA

If you haven't got an ISA with us, you'll need to log in to your account and open one first before you can transfer in.

Log in here

ISA Transfer in form

As easy as One, Two, Three

Depositing money from savings/current account

Top up your account in minutes using your debit card to deposit your money into your ISA. 

1. Log in to your Selftrade account
2. From your dashboard, select 'View' your ISA, 'Manage A/C' then 'Top-up'
3. Use your debit card to top up instantly or easily set up a bank transfer from your nominated bank account

Great Value

We understand that you only want to pay for what you use, and not for items you don’t.

  • We are completely impartial and are not incentivised to sell any investment type to you
  • We do not provide advice so we don't charge you for it
  • Fee discounts for frequent traders

We also offer a range of free tools to help you compare and decide what to invest in your ISA.

And this is all part of our service, as standard, at no extra cost.

Making a Selftrade Stocks and Shares ISA great value.

Protecting your investments

We are part of Equiniti plc, a FTSE 250 company that is trusted by 60% of the top 100 UK companies for 25 million UK people. You can trust us to protect your money and investments during sunny and rainy days, 365 days a year.

We hold your money and investments safely and separately from our own assets. Your cash and investments belong to you and not anyone else and are easily identifiable from our own assets and the investments of other customers. So you can be confident that your money is safe with us.

We are authorised and regulated by the Financial Conduct Authority.

Here's some articles you might find useful from our independent writers

  • How to use an ISA for income

    Rosie Murray-West explains how to invest for income and how your ISA can make that income tax efficient.

     

  • LISA Or Pension, Which is right for you?

    Rosie Murray West helps you decide what's right for you, a LISA or a Pension.

     

  • How to provide an early inheritance with an ISA

    Rebecca O'Connor explains how you can provide your family with an early inheritance.

     

  • How to balance risk and reward

    Tom Sieber provides you with an insight on how to balance risk and reward when investing.

     

  • How to turn wasted cash into returns

    Rebecca O'Connor explains how you can turn your wasted cash into returns. 

     

  • How to use an ISA for income

    Rosie Murray-West explains how to invest for income and how your ISA can make that income tax efficient.

     

    Find out more
  • LISA Or Pension, Which is right for you?

    Rosie Murray West helps you decide what's right for you, a LISA or a Pension.

     

    Find out more
  • How to provide an early inheritance with an ISA

    Rebecca O'Connor explains how you can provide your family with an early inheritance.

     

    Find out more
  • How to balance risk and reward

    Tom Sieber provides you with an insight on how to balance risk and reward when investing.

     

    Find out more
  • How to turn wasted cash into returns

    Rebecca O'Connor explains how you can turn your wasted cash into returns. 

     

    Find out more