Investment ISA

Make the most of your tax free saving by investing a regular amount or a lump sum into our Investment ISA

Harder working savings invested with an honest approach

Our Investment ISA is here to help you get more from your savings. Our ISA allows you to invest into our expertly managed With Profits fund which invests in a range of assets, delivering the potential of a greater return than the more common Cash ISA while protecting your savings from unpredictable markets. In addition to this, our Investment ISA delivers a guaranteed return of your initial investment on the 10th anniversary or each subsequent 5th anniversary, plus bonuses added, less withdrawals already made.

What is a Kingston Unity Investment ISA?

Investment with guarantees

On the 10th anniversary or each subsequent 5th anniversary after that, we guarantee you will be able to withdraw all the money paid into your ISA as well as all bonuses added, less withdrawals already made.

The potential for more

You can save up to £20,000 tax-free, into a range of ISAs in the 2019/20 tax year. Although it shouldn’t be used as an indicator of future performance, our ISA has delivered better than Cash ISA returns for the past five years.

The friendly alternative

As a mutual, we are here to create returns for our Members and not for corporate profit. Our Members are our shareholders and all surplus profits are returned to them as a bonus.

get more from your ISA allowance in 2019

Take pride in your investment decisions knowing you’re guaranteed and protected

  • Flexible saving – Save from £25 per month, a lump sum of £500 or more or a combination of the two. Stop, start or change your payments to suit your needs, as long as you stay within the Government’s annual ISA allowance.
  • Invest with confidence – You’re guaranteed 100% of your initial investment, plus bonuses, less withdrawals already made, on the 10th anniversary or each 5th anniversary after.
  • Investment bonuses– Once a bonus is added to your account, it cannot be removed.
  • A low to medium risk fund – Our Investment ISA has delivered better than Cash ISA returns* since its launch in 2014. Past performance is not a guide to future performance. Bonuses are not guaranteed, but once added they cannot be removed.
  • An ethical alternative – Our ethical stance means we do not knowingly invest in companies whose main business focus is in areas such as the selling/manufacturing of weapons, the rearing of animals for fur, or the offering of high-interest loans to those in financial difficulty. We believe that the values that our Society is based on warrant these investment decisions.

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.

Your Questions Answered

The more commonly asked questions about our Investment ISA

Your money is protected by the Financial Services Compensation Scheme

Other Important Information

Tax liability
Under current legislation, any money received from this ISA will be free of tax and doesn’t need to be declared on a tax return.

Tax legislation may change in the future. If you’re in any doubt, please take advice from a professional tax advisor – you may be charged for this advice.

*source – Bank of England base rate. 

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Please Note: You must confirm you have read the key facts, before downloading this document.

Key Facts about our services and costs

1. The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers buying certain financial products. You need to read this important document. It explains the service you are being offered and how you will pay for it.

2. Whose products do we offer?

We offer products from the whole market

We only offer products from a limited number of companies

We only offer our own products

3. Which service will we provide you with?

We will advise and make a recommendation for you after we have assessed your needs.

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

We will provide basic advice on a limited range of stakeholder products and in order to do this we will ask some questions about your income, savings and other circumstances but we will not:

  • conduct a full assessment of your needs;
  • offer advice on whether a non-stakeholder product may be more suitable.

We can only offer products from Kingston Unity Friendly Society. These products will enable you to:

  • protect yourself and your loved ones in the event of death
  • save and invest with the added benefit of protecting yourself and your loved ones in the event of death
  • provide benefit cover in the event of sickness

4. What will you have to pay us for our services?

Normally, if you buy a financial product direct from us, there will be no payments such as commission or fees payable. If there are any commission or fees payable, we will tell you how we get paid and the amount before we carry out any business for you.

5. Who regulates us?

Kingston Unity Friendly Society, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and .the Prudential Regulation Authority. Kingston Unity Friendly Society’s FCA Registered Number is 110056.

Kingston Unity Friendly Society permitted business is advising and arranging life assurance and pensions business.

You can check this on the FCA’s Register by visiting the FCA’s website www.fsa.gov.uk/register or by contacting the FCA on 0845 606 1234.

6. What to do if you have a complaint

If you wish to register a complaint, please contact us:
…in writing Write to Kingston Unity Friendly Society, Complaints Department, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ. …by phoneTelephone (01924) 240164

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

7. Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Most types of insurance business are covered for 90% of the claim with no upper limit.

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