Your ISA guarantees from us
Because we all enjoy a little peace of mind when it comes to our finances
To help you feel good about your investment decisions and reduce the feeling of uncertainty from unpredictable markets, our Investment ISA delivers a number of guarantees and securities
Our ISA will deliver 100% of your initial investment plus any bonuses we have added, less any withdrawals you have made, on the 10th anniversary of opening your account, or each 5th anniversary after that, guaranteed. Our ISA looks to the long term and while the returns from any investment go hand in hand with the potential risks, we feel that our added guarantees help you invest with confidence and get more out of your tax-free allowance.
Security from the FSCS
We are part of the Financial Services Compensation Scheme (FSCS) and your ISA investment is protected up to £50,000 per person, per firm.
Your risk is managed
When you open an Investment ISA with us, your money is invested through our expertly managed With Profits fund. The aim of the fund, over the long term, is to offer savers a better return than more traditional cash saving options, but without entering a high-risk investment environment with their savings. This is achieved by spreading the investment over different assets including property, equities, Bonds and gilts. Our With Profits fund is a medium to low risk fund. You can learn more about where your money is invested here.
Our mutual ethos
As a mutual, we are here to create returns for our Members and not for corporate profit. Our mutual ethos means our Members are our shareholders and all surplus profits are returned to them as a bonus. It is this mutual ethos that has been the bedrock of our society for over 178 years.