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Investment ISAs

Our Investment ISAs at a glance

Save and invest your money tax efficiently* with no need to declare on your tax return

Choose from over 90 carefully-selected top investment ISA funds and set up a Regular Savings Plan to invest tax efficiently* each month

*Please note, Citi does not provide tax advice. We recommend that you seek independent professional tax advice. Looking for an advisor, you can also consult our Citi Partnerships. Speak to a product expert on 0207 500 1992.

A tax-efficient way to invest

What are Investment ISAs?

An ISA (Individual Savings Account) is a tax efficient* way of investing offered to UK residents aged over 18. It is a vehicle that enables you to shelter your from tax. The ISA allowance for the tax year 2018/2019 is £20,000.

Why would you consider ISAs?

Investment ISAs could be considered by people who:

  • are interested in potentially higher rewards than from a savings account
  • are prepared to accept a certain level of investment risk in adverse market conditions
  • want to take advantage of tax efficiencies
  • are looking to invest for the long term

Already used this year’s ISA allowance?

Then an Offshore Bond could allow you to invest flexibly and tax-efficiently whilst providing potential for growth and income and other benefits depending on your individual circumstances.

Benefits and risks
  • Investment ISAs are free from both income tax and capital gains tax so you won't pay tax on any increase in the value of your investment or on any withdrawals you make.
  • Higher rate taxpayers will only pay 10% on the dividends received when investing within an ISA instead of the usual 32.5%.
  • You don’t have to declare ISAs on your tax return.
 
  • Investment ISAs are subject to investment risks, including possible loss of some, or all, of the principal amount you have invested.
  • Past performance is not indicative of future results and the value of your Investment ISA can go down as well as up, which means you might get back less than you invested.
  • Favourable tax treatment of ISAs may not be maintained in the future if law and HM Revenue and Customs practice change. The value of the tax treatment described depends on individual circumstances.
  • For a Citi Investment ISA, you can choose from over 90 Sterling top funds to fit your investment strategy and your risk profile. These funds are registered with the HMRC.
  • The world’s leading fund houses
  • Our funds are managed by leading industry professionals with a deep understanding of the markets and instruments they invest in. We only partner with the following top investment ISA fund houses:
Aberdeen
Franklin Templeton
M&G
Allianz Global Investors
Invesco
Pictet
Blackrock
JP Morgan
Pioneer
Citifirst Investments
Legg Mason
Schroders
Fidelity
MFS
Threadneedle
Aberdeen
J.P.Morgan
BlackRock
M&G
Franklin Investments
PICTET
Invesco
Schroders
Our carefully selected funds

No product is ever selected for recommendation without analysis and we always apply our Citichoice methodology to choosing Investment Funds. This is based on strict criteria, including investment philosophy, process and performance. From this we select our Citichoice 100 which we regard as the 100 best funds. As a result, you can be sure that any product we recommend to you has been comprehensively vetted. The process by which we select from our Citichoice 100 funds to find which of these funds will best suit you is outlined below:

Your Relationship Manager will build your ISA by selecting Investment Funds from any of the following countries and economic regions around the world:

  • Global
  • Emerging markets
  • United States of America
  • Europe Developed
  • Europe Emerging
  • Japan
  • United Kingdom
Asset classes to suit your needs

Asset allocation aims to balance the risks of any investment with its potential rewards. We do this based on your financial goals, your risk profile and the term over which you're looking to invest.

Multi assets-class solutions

We also offer multi-asset class funds which are professionally managed and provide an all-in-one solution for diversification at three different risk levels.

Choice of the following types of funds

Your Relationship Manager can select from funds that invest in equities, fixed income, money market, as well as asset allocation funds with exposure to both bonds and equities. You can also choose funds with invest into Property related instruments.

There is a variety of satellite equity investments, which offer exposure to different sectors, such as Technology, Consumer Goods & Services, Precious Metals, and Natural Resources

Our carefully selected funds

No product is ever selected for recommendation without analysis and we always apply our ,strong>Citichoice methodology to choosing Investment Funds. This is based on strict criteria, including investment philosophy, process and performance. From this we select our Citichoice 100 which we regard as the 100 best funds. As a result, you can be sure that any product we recommend to you has been comprehensively vetted.

The process by which we select from our Citichoice 100 funds to find which of these funds will best suit you is outlined below:

Managing your ISAs at Citi
Isa

Your Relationship Manager is there to manage your ISA for you based around your financial goals and your individual risk profile.View available investment funds, transfer or deposit into your ISA at any time, and review ISA performance on Citi Online or the Citi Mobile® UK app

Eligibility and Fees
Eligibility

Anyone aged over 18 who is a UK resident can buy an Investment ISA.

Fees

Investment ISAs are available on an advisory basis. This means our advisory fee and a global custody fee both apply and will depend upon the size of your investment.

What are Investment ISAs?

An ISA (Individual Savings Account) is a tax efficient* way of investing offered to UK residents aged over 18. It is a vehicle that enables you to shelter your from tax. The ISA allowance for the tax year 2018/2019 is £20,000.

Why would you consider ISAs?

Investment ISAs could be considered by people who:

  • are interested in potentially higher rewards than from a savings account
  • are prepared to accept a certain level of investment risk in adverse market conditions
  • want to take advantage of tax efficiencies
  • are looking to invest for the long term

Already used this year’s ISA allowance?

Then an Offshore Bond could allow you to invest flexibly and tax-efficiently whilst providing potential for growth and income and other benefits depending on your individual circumstances.

Benefits and risks
  • Investment ISAs are free from both income tax and capital gains tax so you won't pay tax on any increase in the value of your investment or on any withdrawals you make.
  • Higher rate taxpayers will only pay 10% on the dividends received when investing within an ISA instead of the usual 32.5%.
  • You don’t have to declare ISAs on your tax return.
 
  • Investment ISAs are subject to investment risks, including possible loss of some, or all, of the principal amount you have invested.
  • Past performance is not indicative of future results and the value of your Investment ISA can go down as well as up, which means you might get back less than you invested.
  • Favourable tax treatment of ISAs may not be maintained in the future if law and HM Revenue and Customs practice change. The value of the tax treatment described depends on individual circumstances.
  • For a Citi Investment ISA, you can choose from over 90 Sterling top funds to fit your investment strategy and your risk profile. These funds are registered with the HMRC.
  • The world’s leading fund houses
  • Our funds are managed by leading industry professionals with a deep understanding of the markets and instruments they invest in. We only partner with the following top investment ISA fund houses:
Aberdeen
Franklin Templeton
M&G
Allianz Global Investors
Invesco
Pictet
Blackrock
JP Morgan
Pioneer
Citifirst Investments
Legg Mason
Schroders
Fidelity
MFS
Threadneedle
Aberdeen
J.P.Morgan
BlackRock
M&G
Franklin Investments
PICTET
Invesco
Schroders
Our carefully selected funds

No product is ever selected for recommendation without analysis and we always apply our Citichoice methodology to choosing Investment Funds. This is based on strict criteria, including investment philosophy, process and performance. From this we select our Citichoice 100 which we regard as the 100 best funds. As a result, you can be sure that any product we recommend to you has been comprehensively vetted. The process by which we select from our Citichoice 100 funds to find which of these funds will best suit you is outlined below:

Your Relationship Manager will build your ISA by selecting Investment Funds from any of the following countries and economic regions around the world:

  • Global
  • Emerging markets
  • United States of America
  • Europe Developed
  • Europe Emerging
  • Japan
  • United Kingdom
Asset classes to suit your needs

Asset allocation aims to balance the risks of any investment with its potential rewards. We do this based on your financial goals, your risk profile and the term over which you're looking to invest.

Multi assets-class solutions

We also offer multi-asset class funds which are professionally managed and provide an all-in-one solution for diversification at three different risk levels.

Choice of the following types of funds

Your Relationship Manager can select from funds that invest in equities, fixed income, money market, as well as asset allocation funds with exposure to both bonds and equities. You can also choose funds with invest into Property related instruments.

There is a variety of satellite equity investments, which offer exposure to different sectors, such as Technology, Consumer Goods & Services, Precious Metals, and Natural Resources

Our carefully selected funds

No product is ever selected for recommendation without analysis and we always apply our ,strong>Citichoice methodology to choosing Investment Funds. This is based on strict criteria, including investment philosophy, process and performance. From this we select our Citichoice 100 which we regard as the 100 best funds. As a result, you can be sure that any product we recommend to you has been comprehensively vetted.

The process by which we select from our Citichoice 100 funds to find which of these funds will best suit you is outlined below:

  • For a Citi Investment ISA, you can choose from over 90 Sterling top funds to fit your investment strategy and your risk profile. These funds are registered with the HMRC.
  • The world’s leading fund houses
  • Our funds are managed by leading industry professionals with a deep understanding of the markets and instruments they invest in. We only partner with the following top investment ISA fund houses:
Aberdeen
Franklin Templeton
M&G
Allianz Global Investors
Invesco
Pictet
Blackrock
JP Morgan
Pioneer
Citifirst Investments
Legg Mason
Schroders
Fidelity
MFS
Threadneedle
Aberdeen
J.P.Morgan
BlackRock
M&G
Franklin Investments
PICTET
Invesco
Schroders
Our carefully selected funds

No product is ever selected for recommendation without analysis and we always apply our Citichoice methodology to choosing Investment Funds. This is based on strict criteria, including investment philosophy, process and performance. From this we select our Citichoice 100 which we regard as the 100 best funds. As a result, you can be sure that any product we recommend to you has been comprehensively vetted. The process by which we select from our Citichoice 100 funds to find which of these funds will best suit you is outlined below:

Your Relationship Manager will build your ISA by selecting Investment Funds from any of the following countries and economic regions around the world:

  • Global
  • Emerging markets
  • United States of America
  • Europe Developed
  • Europe Emerging
  • Japan
  • United Kingdom
Asset classes to suit your needs

Asset allocation aims to balance the risks of any investment with its potential rewards. We do this based on your financial goals, your risk profile and the term over which you're looking to invest.

Multi assets-class solutions

We also offer multi-asset class funds which are professionally managed and provide an all-in-one solution for diversification at three different risk levels.

Choice of the following types of funds

Your Relationship Manager can select from funds that invest in equities, fixed income, money market, as well as asset allocation funds with exposure to both bonds and equities. You can also choose funds with invest into Property related instruments.

There is a variety of satellite equity investments, which offer exposure to different sectors, such as Technology, Consumer Goods & Services, Precious Metals, and Natural Resources

Our carefully selected funds

No product is ever selected for recommendation without analysis and we always apply our ,strong>Citichoice methodology to choosing Investment Funds. This is based on strict criteria, including investment philosophy, process and performance. From this we select our Citichoice 100 which we regard as the 100 best funds. As a result, you can be sure that any product we recommend to you has been comprehensively vetted.

The process by which we select from our Citichoice 100 funds to find which of these funds will best suit you is outlined below:

Managing your ISAs at Citi
Isa

Your Relationship Manager is there to manage your ISA for you based around your financial goals and your individual risk profile.View available investment funds, transfer or deposit into your ISA at any time, and review ISA performance on Citi Online or the Citi Mobile® UK app

Eligibility and Fees
Eligibility

Anyone aged over 18 who is a UK resident can buy an Investment ISA.

Fees

Investment ISAs are available on an advisory basis. This means our advisory fee and a global custody fee both apply and will depend upon the size of your investment.

Why Choose Citigold Wealth Management?

Advisory

A goal-based advisory service with access to a wide range of onshore and offshore investment solutions to help create a wealth strategy that is tailored to your needs

Your Team

Your dedicated Relationship Manager is an experienced investment advisor trained through the Citi | Wharton Global Wealth Institute, and is supported by a team of financial specialists.

Insights

Institutional-grade research and insight from our global network of analysts to provide depth and rigour to our advisory service

Global Privileges & Offers

An array of exclusive, curated lifestyle privileges and a global banking proposition with worldwide Citigold status recognition

Take the first steps to your wealth management planning with Citi

Enquire online >Speak to a Relationship Manager
0207 500 1992

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