If your investments fall in value, you could lose money. Tax allowances and the benefits of tax-efficient accounts could change.
Leave the investment decisions to the experts with our hassle-free, tax-efficient investment package.
Ready-made ISA benefits
Experts handpick and manage your investments.
No Capital Gains Tax or further Income Tax to pay on profits.
No account fees
No dealing fees, initial fund charges or monthly admin fees.
Invest up to £20,000 this tax year
Your annual ISA allowance is set by the government. Withdraw money anytime.
A Ready-made ISA to suit you
We offer three types of Ready-made ISA: Cautious, Balanced and Adventurous. Simply choose the option which best suits your attitude to risk and investment aim.
|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|
Your money will be invested in one of our three funds of funds, depending on your account choice:
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.
Ready-made 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)|
|Statements & contract notes by post rather than email||£2.40 per month|
|Transfer to another provider||£25 per account|
|Re-registration to certificate||£25 per certificate|
|Bounced cheque or unpaid Direct Debit||£25|
|Deceased customer account administration||£100|
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.
Payment of charges
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.
What interest will be paid on cash?
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.
Why invest with us?
Invest up to £20,000 this tax year. No Capital Gains or further Income Tax to pay on profits.
Fixed monthly account fee
A low monthly admin fee of £4.80 per month and a dealing option to suit you, enabling you to get the most from your investments.
Pick your own
Choose from a wide range of range of investments: shares, funds, investment trusts, bonds, gilts, ETFs and more.