Which Vantage account is for me?

Within Vantage you can invest through a Stocks & Shares ISA, Junior ISA, SIPP, SIPP Income Drawdown and Fund & Share Account. You will have a single client number, one master password, and all of your investments will be shown together in your online account and twice yearly investment report.

Stocks & Shares ISA

Investing in an ISA is one of the simplest ways of sheltering your investments from tax. There is no tax to pay on any gains within an ISA, and no further tax to pay on any income, and less tax means higher returns for you. This tax year you can shelter up to £10,680 in ISAs, and if you invest through the Vantage Stocks & Shares ISA you will benefit from initial savings on funds of up to 5.5%, plus loyalty bonuses of up to 0.5% every year. Remember tax rules can change, and the value of the tax benefits will depend on your circumstances.

Vantage ISA

SIPP (Self Invested Personal Pension)

Whether you're looking to start saving for retirement or make the most of your existing pensions the award-winning Vantage SIPP could help you get on-track by giving you the control to make your own choices and decisions. As with other pensions there are limitations on when and how you can withdraw funds from your SIPP. But with generous tax benefits when you make new contributions, initial savings of up to 5.5%, and a wide investment choice, the Vantage SIPP offers you a way to take greater control over your savings for retirement. Note: Tax rules can change and any reliefs depend on your circumstances.

Vantage SIPP

Fund & Share Account

You can buy, sell and manage all your funds and shares in one simple account. You can buy and sell shares online from just £5.95 per deal and never more than £11.95 per deal. There is no dealing commission on funds and you'll receive initial savings of up to 5.5% and annual savings of up to 0.5%. There is no limit to the amount you can invest, no charges to hold investments in the account and unlike some brokers we do not charge an inactivity fee, you can deal as much or as little as you want.

Vantage Fund & Share Account

Income Drawdown

If you are about to start drawing an income from your pension you have a number of options, one of which is income drawdown. Income drawdown offers flexibility and control over the income you receive, plus the option to pass your fund on after death (subject to a tax charge). However your income is not secure and could fall - you must be able to accept this risk. With savings of up to 5.5% when you buy funds and in many cases no additional annual fee, we believe the Vantage income drawdown account is one of the lowest cost plans available. Please note drawdown in the Vantage SIPP is offered without advice. Drawdown is a complex product and if you are at all unsure about its suitability for your circumstances we strongly suggest you seek advice.

Vantage Income Drawdown

Junior ISA

We expect Junior ISAs will quickly become a popular way for family and friends to build up tax-efficient savings and investments for eligible children to help them with the cost of university, provide a deposit for a house or simply give them a great start in life. If you invest through the Vantage Junior ISA you can save up to 5.5% on initial charges - that's £198 on a £3,600 ISA. Once opened by a parent or guardian, anyone can contribute to a Junior ISA up to the annual £3,600 allowance. The money is ring-fenced for the child's future, so no withdrawals are permitted until age 18, when the account becomes a Stocks & Shares ISA and the child has full access to their capital.

Vantage Junior ISA