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How to transfer shares from a Fund and Share Account to an ISA or SIPP The Share Exchange service allows you to transfer shares from your HL Fund and Share Account to your HL Stocks and Shares ISA or Self-Invested Personal Pension (SIPP) where they will no longer be subject to UK income tax or capital gains tax. This process is sometimes called a Bed and ISA or Bed and SIPP.
Before you start To place an instruction, you'll need to have an open HL Stocks and Shares ISA or Self-Invested Personal Pension (SIPP). Moving assets into an ISA or pension will count towards your ISA and pension contribution allowances for that tax year. So make sure you’ve checked how much allowance you have left before considering this service. You cannot normally access money in a pension until age 55 (57 from 2028). The service is only available on shares and other investments, like ETFs and investment trusts, which are traded on a stock exchange. If you’re looking to sell funds and buy them back in an ISA or SIPP, or you want to buy back a different investment to the one you are selling, you will need to manually place separate trades.
How to transfer on the website Log in to your HL account and select the Fund and Share Account. Select the ‘Stocks’ tab. Under ‘Actions’ choose the ‘Share Exchange’ option and choose the account you wish to buy the shares back in. Choose the shares you wish to sell and buy back in the ISA or SIPP. You can sell all your shares or specify a value. Review your instructions and confirm.
Start Share Exchange What happens next Once we receive your instruction we’ll try to sell and buy back the shares in your selected account. We will do this as soon as possible but it can take up to four working days.
When the deals have taken place, you’ll see the shares in your SIPP or ISA straight away. It may then take up to two working days for the cash to be shown normally in your Fund and Share Account.
Also in Transferring between HL accounts Prefer to speak with someone Contact us
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