
Switch Your Money on
Switch Your Money on
Use your tax allowances today and you’ll thank yourself later
Important information: This isn’t personal advice. If you’re not sure what’s right for you please contact us for advice. Investments and income fall as well as rise in value, so you could get back less than you put in. Tax rules can change and benefits will depend on your circumstances. Income tax rates and bands are different for Scottish taxpayers and different benefits apply.
Shelter your money from tax with an ISA or SIPP
Investing earlier gives you a better chance of reaching your goals sooner. The longer your money is invested, the more time it has to grow. And the more of your money that’s sheltered from tax, the harder it can work for you over the long term.
This is where a Stocks and Shares ISA or Self-Invested Personal Pension (SIPP) can help. By taking advantage of this year’s allowances before midnight on 5 April, you can make sure your investments are sheltered from UK tax.
Whether or not you’ve already made a start, we’re here to help. From common questions to investment inspiration, get the ideas and information you need to help switch your money on.
Stocks and Shares ISA
Shelter up to £20,000 this tax year with the UK's No. 1 platform for private investors.
- Save tax - grow your money free of UK income and capital gains tax.
- Trust in our promise – if you’re not 100% satisfied with our service in your first 12 months, close your account and let us know. We’ll then refund our annual account charge – no questions asked. Terms apply.
- Check in anytime – manage your ISA online or with the HL app.
- Invest for your future - choose your own investments, pick from our ready-made options, or pay a financial adviser to choose investments for you.
Tax rules can change and the benefits of investing in ISAs depend on your circumstances.
Stocks and Shares ISA
Shelter up to £20,000 this tax year.
- Save tax - grow your money free of UK income and capital gains tax.
- Check in anytime - manage your ISA online or with the HL app.
- Invest for your future - choose your own investments, pick from our ready-made options, or pay a financial adviser to choose investments for you.
Tax rules can change and the benefits of investing in ISAs depend on your circumstances.
Self-Invested Personal Pensions (SIPP)
Shelter up to £40,000 each tax year, with the HL SIPP.
- A tax efficient way to save - grow your money free of UK income and capital gains tax. And get between 20% and 45% tax relief on pension contributions.
- Invest where and how you want to - pick your own investments, select ready-made portfolios, or pay a financial adviser to choose investments for you.
- Manage your pension with ease - check your pension whenever you like, online and with the HL app.
- Flexibility at retirement - make withdrawals to suit your needs. You can choose from all the pension freedom options.
Pension and tax rules can change and benefits depend on your circumstances. Typically you need to be at least 55 (57 in 2028) to access the money in a pension.
Self-Invested Personal Pension (SIPP)
Making the most of your pension allowances now, could mean you’re better off in the future.
- Tax free investing - grow your money free of UK income and capital gains tax.
- Shelter up to £40,000 - in your SIPP each tax year and get tax relief (between 20% and 45%) on personal contributions.
- Free from inheritance tax - pass on wealth tax efficiently, and in some cases completely tax free.
Pension and tax rules can change and benefits depend on your circumstances. Typically you need to be at least 55 (57 in 2028) to access the money in a pension.
Investment inspiration
The latest investment ideas for an ISA or SIPP, plus where to learn more about investing.
Five funds to watch in 2021
A variety of funds to suit different investment goals.
Five shares to watch in 2021
Companies to look out for in the year ahead.
Learn about investing
From behaviours you'll want to avoid, to helpful rules of thumb.

Add cash now, pick investments later
You don’t need to decide where to invest straight away. You can secure your ISA and pension allowances with cash now, and decide when and where to invest when you’re ready.
As long as you add money by midnight on 5 April, it will count towards this year’s allowance

New to investing?
Getting started could be easier than you think. Watch our videos to get to grips with the basics.
Or download our guide on how to start investing in the stock market.
Frequently asked questions
I have every SIPP and stocks and shares ISA all under one roof for me and my family. So easy to operate and keep an eye on.Mr B Cleall
I feel that I am dealing with a quality, caring company who care about their clients. I have felt that from day one.Miss D Jenkins
Awards
BEST INVESTMENT ISA 2020/21
The Personal Finance Awards
BEST ONLINE INVESTMENT PROVIDER 2019
Boring Money Consumer Investment Awards
BEST CUSTOMER SERVICE 2019
Boring Money Consumer Investment Awards