Important information In Vantage you make your own investment decisions. Investments can go down in value as well as up so you could get back less than you invest. Before transferring, please ensure you won't incur excessive exit fees. If you are transferring a pension please also check you will not lose any valuable guarantees or benefits. If you are unsure if an investment is suitable for you, please contact us for personal advice.
Adults under 40 can open a Lifetime ISA and transfer from an existing ISA or Help to Buy ISA and get a 25% bonus (up to £1,000 each year) to help fund a first home or later life. Other withdrawals usually subject to 25% charge
Easy to manage
Keep up-to-date with your investments online or using our new app for mobile and tablet
See the latest research and investment ideas from our experts to help you choose from a range of investments. Please remember investments can fall in value as well as rise, so you could get back less than you invest
No set-up or transfer-in charges, no charges for buying or selling funds and an annual fee of just 0.45% or less. Plus low cost income reinvestment service. See our charges.
The average Cash ISA interest rate is currently just 0.85%. Any meaningful interest rate rises look unlikely in the short to medium term. The Bank of England’s recent inflation report suggests the base rate might only reach 1% by the end of 2017.
Many investors are transferring Cash ISAs into a Stocks & Shares ISA in search of improved returns. The FTSE 100 index, for example, currently yields around 4%, and also offers the potential for capital to grow, although this yield is variable and not guaranteed.
Those considering transferring should remember they have immediate access to cash in most Cash ISAs and it is guaranteed (up to £75,000). The value of investments and the income paid will fall as well as rise in a Stocks & Shares ISA, so investors could make a loss. For this reason, those transferring should be comfortable investing for the long term.
Those considering transferring don't need to worry about picking new investments at the point they transfer - it's possible to hold cash in the Vantage Stocks & Shares ISA pending a future instruction. Once the transfer is complete there is a huge range of funds and shares to choose from in the Vantage Stocks & Shares ISA. Those looking for investment ideas could consider our Wealth 150 list of favourite funds or choose from a range of ready-made portfolios using our Portfolio+ service.
If you are aware of the risks and wish to transfer, please complete our Stocks & Shares ISA transfer form and leave the rest of the transfer to us.
How to transfer
If you wish to transfer, simply read the Key Features, Terms & Conditions and Important Investment Notes. If transferring a pension also read the Common Transfer Declaration and Transfer Checklist (in the Key Features) and check you will not incur excessive exit fees or lose valuable guarantees or benefits. Pensions are transferred as cash, unless otherwise arranged. ISAs, funds and shares can usually be transferred as stock (where you remain invested) or cash. When transferring as cash you are out of the market for a period. This may work in your favour if the market falls, but if it rises you will not benefit from any growth while you hold cash.
Available to existing clients with an online account
It's free to transfer investments from over 25 companies by telephone. Available to existing clients with online access.
What our clients say
Put simply I wanted to see at a glance where my money was, and what it was doing. Your transfer system was literally like falling off a log. It can't be made any easier to do, plus it was fast and efficient.
Mr Thompson, Leeds
Very helpful and knowledgeable staff; real people take calls - brilliant in this day and age. The best organisation I have ever dealt with in all my business life spanning 46 years.
Mr Smith, East Sussex
Excellent. I cannot believe how quick HL are. Nothing like the lumpy, clumsy, grudging communications I had with the insurance company from whom I have just transferred my SIPP
Mr Hamer, Oxfordshire
Telephone contact is excellent and invariably reveals a reassuring competence of the HL voices at the other end. The website is a wonder of information, deal execution facilities and easy navigation.