Welcome to the new way of active ISA management

When it comes to investing in an ISA, your goal is to increase your investment and get good returns.

Returns you can use for retirement, college, a new house or even to travel the world.

At MarketsFlow and using our proprietary investment platform we actively manage the stocks and shares your ISA is invested in.

We ensure your ISA investment is balanced and, as with all our investment portfolios, that it endures the market conditions to give you the best possible returns.

What we do not do is just put your money in a third party, uncontrollable ETF, where gains and losses cannot be culminated.

Our active ISA management will ensure your investment is monitored and the stocks and shares adjusted daily to yield the best possible results.

This is why MarketsFlow ISA is so different!


Applicants must be over 18 and a UK resident. Proof of identity required. It’s important to keep in mind that the value of investments can fall as well as rise, so you may get back less than you invest. Tax treatment depends on individual circumstances and all tax rules may change in the future.

  • Stock & Shares ISA - £20,000 Tax free allowance in 2018/19
  • Junior Stocks & Shares ISA -£4260 Tax free allowance in 2018/19
  • Avail 2018/19 Allowance up until April 05, 2019

Here is how:

For MarketsFlow to start managing your ISA we will need to open an account for you with our broker and custodian Interactive Brokers. We will complete all the information for you and send you the completed application in a PDF document to be checked, signed and returned to us via email.

Once your account is set-up, you can transfer your chosen amount and we can start managing your ISA. When you finish registering with MarketsfLow you will have completed the majority of the required information, however there are some details which may still be required in order to proceed.

To ensure we have all the information required for your application, we will send you an email with further instructions after you complete the sign up.

Our fees are straightforward and simple: 0.5% annually, charged on a monthly basis in arrears. Please see our fee schedule for our ISA management below using an example for different investment amounts.
Performance Table and Fees:

Months Capital (£) Hypothetical Returns Total Return (£) Monthly Fees (0.5% per annum)
1 20,000.00 1.00% 20,200.00 8.42
2 20,191.58 1.00% 20,393.5 8.5
3 20,385.00 1.00% 20,588.85 8.58
4 20,580.27 1.00% 20,786.08 8.66
5 20,777.42 1.00% 20,985.19 8.74
6 20,976.45 1.00% 21,186.21 8.83
  • Facility to withdraw and replace cash within tax year without affecting allowance.
  • Transferability between Cash ISA / Investment ISA / Innovative Finance ISA in any direction.
  • Complementary role with pensions saving: ISA investment goes in net, but is untaxed when taken out; pensions savings go in gross (subject to some restrictions) but are taxable when taken out.
  • Pensions savings are not accessible until the latter stages of life; ISA is accessible at any time
  • Over the long run it makes sense to use tax shelters for the investments with the highest expected return. Power of compounding is boosted considerably by the power of untaxed returns. See an example of ISA investment results below.

Simplifying assumptions:

  • 10 year period
  • ISA allowance remains £20,000
  • Individual saves £40,000 per year – cannot all be accommodated in an ISA
  • Individual directs half of savings into cash and half into high-return funds
  • Cash returns 2%; high performing funds return 12%, of which 3/5 comes as capital gain and 2/5 as income
  • Individual’s tax rates are 40% on income and 20% on capital gains

How should the ISA allowance be used?

The charts below show the difference it makes: in example 1, the investor shelters the cash product in the ISA wrapper but not the high return funds; in example 2 the investor shelters the high return funds in the ISA.
Note, the same amount of investment risk is being taken in both cases.

The results
  • Total return: example 1: £147,868; example 2: £206,778
  • A difference of almost £60,000, equivalent to 1.5 years’ contributions
The total ISA allowance for this 2018/2019 tax year is £20,000. Your ISA allowance can be split between stocks and shares and cash ISAs.

Stocks and shares ISAs:

  • No personal liability to capital gains tax on any growth.
  • No tax to pay on any dividend distributions. No further tax on interest distributions.
  • We reclaim the 20% tax that was deducted on interest distributions for you. All of the above information is based upon our current understanding of HMRC tax rules and is subject to change. For further information, please refer to gov.uk.

All of the above information is based upon our current understanding of HMRC tax rules and is subject to change. For further information, please refer to gov.uk.

Yes, you can withdraw your ISA amount anytime giving us 1 day’s notice.

If you are new to investing, an investment (or stocks and shares) Individual Savings Account (ISA) may be a great place to get started. An Investment ISA, or stocks and shares ISA, is a tax-efficient wrapper in which you can buy, hold and sell investments such as funds, shares and bonds.

If you’re prepared to accept the risk that you might lose money, our Investment ISA gives you access to a wide range of investment opportunities to help you reach your financial goals.

Pay in up to £20,000 in the current tax year you can use your full 2018/19 ISA allowance of £20,000 with our Investment ISA.

Alternatively, you can use your ISA allowance across cash, investment, innovative finance or lifetime ISAs, splitting it however you like. You can only pay into one of each type of ISA in each tax year. With a lifetime ISA, you can pay in a maximum of £4,000 in each tax year.

Please contact us if you are interested in transferring your ISA. At the moment we only accept cash transfers for our ISA product.

The favourable tax treatment for ISAs depends on your individual circumstances and may vary in the future.

Please remember that the value of your investments can go down as well as up so you may get back less than you originally invested.

Investments should be considered as a long term option of 6 years or more.

You need to be aged 18 or over and be resident in the UK to hold a stocks and shares ISA.

Compared to keeping money in the bank, investing can give you potentially greater rewards, however it also comes with additional risk and there's a chance your investments will lose money.

Investing might be right for you if:

  • You've paid off your debts
  • You have access to savings in a bank or building society to cover unexpected emergencies
  • You're willing to invest the money for the long term of 6 years or more.
  • You're comfortable with the risks that come with investing.