If your investments fall in value, you could lose money. Tax allowances and the benefits of tax-efficient accounts could change. 

Ready-made ISA

Leave the investment decisions to the experts with our hassle-free, tax-efficient investment package.

Ready-made ISA benefits

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Hassle-free

Experts handpick and manage your investments.

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Tax-efficient

No Capital Gains Tax or further Income Tax to pay on profits.

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No account fees

No dealing fees, initial fund charges or monthly admin fees.

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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.

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Fund
Risk
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 investments

Your money will be invested in one of our three funds of funds, depending on your account choice:

Pie Chart Blue  TC Share Centre Multi-Manager Cautious Fund Inc 

Pie Chart Orange  TC Share Centre Multi-Manager Balanced Fund Inc

Pie Chart Pink  TC Share Centre Multi-Manager Adventurous Fund Acc

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.

Cash withdrawals

3-5 day transfers Free
Same day transfer £25
Overseas £50 (restrictions apply)
Cheque £5

Optional services

Statements & contract notes by post rather than email £2.40 per month

Transfers

Transfer to another provider £25 per account
Re-registration to certificate £25 per certificate

Other

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.

Download Black View costs & charges sheet

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?

Tax-efficient

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Invest up to £20,000 this tax year. No Capital Gains or further Income Tax to pay on profits.

Fixed monthly account fee

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small green moneybag in circle

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

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Choose from a wide range of range of investments: shares, funds, investment trusts, bonds, gilts, ETFs and more.