If your investments fall in value, you could lose money. Tax allowances and the benefits of tax-efficient accounts could change.
If you're 18-39, save up for your first home or retirement with our hassle-free Lifetime ISA.
Receive a bonus on all the money you pay in.
Experts handpick and manage your investments.
No Capital Gains Tax or further Income Tax to pay on profits.
No dealing fees, initial fund charges or monthly admin fees.
Simply choose between (or blend) cautious, balanced or adventurous.
Your Lifetime ISA limit counts towards your annual ISA allowance.
You can invest in one or a combination of our three multi-manager funds of funds, depending on your attitude to risk and investment aim. They each contain a range of funds from well-known providers, which enables you to benefit from their expertise and spread risk by diversifying across different markets and sectors.
|TC Share Centre Multi-Manager Cautious Fund Inc||Low||Income|
|TC Share Centre Multi-Manager Balanced Fund Inc||Medium||Balanced|
|TC Share Centre Multi-Manager Adventurous Fund Acc||Higher||Growth|
Lifetime ISA costs
Your fund’s annual management charge and ongoing charge (see links above) are taken from the fund itself, so you don’t need to worry about paying them separately. There are no account fees, dealing fees, or initial fund charges to pay.
|3-5 day transfers||Free|
|Same day transfer||£25|
|Overseas||£50 (restrictions apply)|
Before making a withdrawal, please read the important considerations below.
|Statements & contract notes by post rather than email||£1.20 per month (increasing to £2.40 per month from 23rd July 2018)|
|Transfer to another provider||£25 per account|
|Bounced cheque or unpaid Direct Debit||£25|
|Deceased customer account administration||£50 (increasing to £100 from 23 July 2018)|
Costs and charges illustration
To give you a feel for the costs involved, our cost sheet includes an illustration of costs you will pay, based on how much you invest and what type of investments you choose.
Ongoing fund charges are automatically taken from your fund. If you opt for postal statements & contract notes, the fee will be collected from your account on the 26th of each month, or the next business day.
Gross interest on any cash you hold will be credited to your account quarterly at the Bank of Scotland base rate, minus 3.5% (min. 0%). We may retain the difference between the interest paid to you and the interest we are able to earn, as permitted by The Financial Conduct Authority.
As one of the UK’s leading stockbrokers, we are authorised and regulated by the Financial Conduct Authority (FCA).
Our comprehensive range of investment tips and tools make it easy to choose and manage your investments.
We’re proud to be regularly recognised by industry awards for our outstanding customer service.