Stocks and Shares ISA client engagement
Helping clients make informed decisions about opening a Stocks and Shares ISA starts with the right tools.
That's why we've created this dedicated client engagement hub - your one-stop shop for resources that turn complex topics into clear, meaningful conversations.
About our Stocks and Shares ISA
- Stocks and Shares ISA key features leaflet (PDF)
Explain the benefits of our Stocks and Shares ISA, from tax-efficient savings to flexible investment options. It’s a quick way to show your clients how investing can help them reach their financial goals. - ProfitShare - how it works (PDF)
Demonstrate the value of Royal London’s mutuality and how ProfitShare could make a difference to your clients’ investments over time. - Investing the Royal London way (opens in a new window)
Build client confidence in Royal London’s Stocks and Shares ISA and explain our purpose, investment beliefs and mutuality.
Tackling barriers to investing
- What is an ISA? (opens in a new window)
Help your clients understand what an ISA is and how they work. - Saving vs investing (PDF)
Show your clients how investing could grow their money more effectively than cash savings and help them feel confident about their decision when weighing up saving versus investing. - Pensions and ISAs - exploring your options (PDF)
Help your clients understand if a pension, ISA, or both is right for them. Explain how pensions and ISAs can complement each other and help your clients see the bigger picture and make informed decisions about their future. - Stocks and shares ISA vs cash ISA (opens in new window)
Highlight the key differences between a stocks and shares ISA and a cash ISA. Show your clients why investing could be a smarter choice for building financial resilience. - Five reasons to consider investing (opens in new window)
Have conversations with clients who are cautious about investing and outline 5 clear reasons why they may want to consider moving from cash savings and start investing. - Understanding compound growth (opens in new window)
Help your clients understand compound growth and how it can be a powerful way to help grow wealth over time. - Busting investment myths (opens in new window)
Address common misconceptions and help clients see they may already be investors through their pension. - Inflation and its hidden impact on your savings (opens in new window)
Explain how inflation can reduce the buying power of cash savings and how investing can help them future-proof their financial goals against inflation and rising costs.
Investment options
- Your investment options (PDF)
Help clients choose the investment option most suited to their long-term goals and attitude to risk. - Our Governed Portfolios (PDF)
Discuss our Governed Portfolios with your clients and help them understand which would be most suitable for their attitude to risk. - Sustainable fund range guide (PDF)
Showcase Royal London's sustainable fund options and find the best fit for clients' goals.
Competitive charges
- ISA charges case study (individual client) (PDF)
Show your individual clients how our annual management charge works. - ISA charges case study (workplace client) (PDF)
Show your workplace clients how our annual management charge works. - Pensions and investments charges guide (adviser facing) (PDF)
Understand the charges your clients will pay, helping you build trust and demonstrate value for money.
Understanding the tax benefits
- ISA transfers
Outline the key rules, timelines, and considerations involved in making an ISA transfer - making it easy for you to guide your clients through a smooth transfer process. - ISA death and additional permitted subscriptions
Explain estate planning and what happens if a client passes away. Discuss how ISAs are treated on death and how additional permitted subscriptions work.
Bring the benefits to life
- A closer look at the Royal London Stocks and Shares ISA (adviser facing) (PDF)
Introduce Royal London, highlight what makes us different and explain why our Stocks and Shares ISA could be the right choice for their long term financial goals. - How ProfitShare can make a difference leaflet (adviser facing) (PDF)
Showcase our ProfitShare track record and easily illustrate how this value added extra could boost your clients investments.
About our Stocks and Shares ISA
- Stocks and Shares ISA key features leaflet (PDF)
Explain the benefits of our Stocks and Shares ISA, from tax-efficient savings to flexible investment options. It’s a quick way to show your clients how investing can help them reach their financial goals. - ProfitShare - how it works (PDF)
Demonstrate the value of Royal London’s mutuality and how ProfitShare could make a difference to your clients’ investments over time. - Investing the Royal London way (opens in a new window)
Build client confidence in Royal London’s Stocks and Shares ISA and explain our purpose, investment beliefs and mutuality.
Tackling barriers to investing
- What is an ISA? (opens in a new window)
Help your clients understand what an ISA is and how they work. - Saving vs investing (PDF)
Show your clients how investing could grow their money more effectively than cash savings and help them feel confident about their decision when weighing up saving versus investing. - Pensions and ISAs - exploring your options (PDF)
Help your clients understand if a pension, ISA, or both is right for them. Explain how pensions and ISAs can complement each other and help your clients see the bigger picture and make informed decisions about their future. - Stocks and shares ISA vs cash ISA (opens in new window)
Highlight the key differences between a stocks and shares ISA and a cash ISA. Show your clients why investing could be a smarter choice for building financial resilience. - Five reasons to consider investing (opens in new window)
Have conversations with clients who are cautious about investing and outline 5 clear reasons why they may want to consider moving from cash savings and start investing. - Understanding compound growth (opens in new window)
Help your clients understand compound growth and how it can be a powerful way to help grow wealth over time. - Busting investment myths (opens in new window)
Address common misconceptions and help clients see they may already be investors through their pension. - Inflation and its hidden impact on your savings (opens in new window)
Explain how inflation can reduce the buying power of cash savings and how investing can help them future-proof their financial goals against inflation and rising costs.
Investment options
- Your investment options (PDF)
Help clients choose the investment option most suited to their long-term goals and attitude to risk. - Our Governed Portfolios (PDF)
Discuss our Governed Portfolios with your clients and help them understand which would be most suitable for their attitude to risk. - Sustainable fund range guide (PDF)
Showcase Royal London's sustainable fund options and find the best fit for clients' goals.
Competitive charges
- ISA charges case study (individual client) (PDF)
Show your individual clients how our annual management charge works. - ISA charges case study (workplace client) (PDF)
Show your workplace clients how our annual management charge works. - Pensions and investments charges guide (adviser facing) (PDF)
Understand the charges your clients will pay, helping you build trust and demonstrate value for money.
Understanding the tax benefits
- ISA transfers
Outline the key rules, timelines, and considerations involved in making an ISA transfer - making it easy for you to guide your clients through a smooth transfer process. - ISA death and additional permitted subscriptions
Explain estate planning and what happens if a client passes away. Discuss how ISAs are treated on death and how additional permitted subscriptions work.
Bring the benefits to life
- A closer look at the Royal London Stocks and Shares ISA (adviser facing) (PDF)
Introduce Royal London, highlight what makes us different and explain why our Stocks and Shares ISA could be the right choice for their long term financial goals. - How ProfitShare can make a difference leaflet (adviser facing) (PDF)
Showcase our ProfitShare track record and easily illustrate how this value added extra could boost your clients investments.
Video: Do you pay tax if you have an individual savings account?
This video explains how ISAs work as a tax-efficient way to save or invest, covering the basics of cash and stocks & shares ISAs and why returns are tax-free. It helps you clearly and simply communicate ISA benefits and answer common questions about tax.
Video transcript
Kully
Hi Sarah. We're going to be talking about ISAs and tax. Why is that?
Sarah
Well, ISAs are a tax efficient way of saving or investing your money, but it's a tax efficiency bit that some people find confusing. Now put simply, with an ISA, you don't have to pay tax on any return you generate, and there's no tax to pay when you take money out or cash it in.
Kully
Sarah, let's go back to basics. What exactly is an ISA?
Sarah
There are several different kinds of ISAs, but the most popular are cash ISAs and stocks and shares ISAs. Now with a cash ISA, it works like an ordinary savings account, except you don't pay any tax on interest and you don't pay tax when you take money out of your cash ISA.
Stocks and shares ISA works in a similar way, but your money is invested instead. So you don't have to pay tax on any return, and you don't pay tax when you take money out.
Now around two-thirds of people who have an ISA have a cash ISA, and about 3 in 10 of people who have an ISA have a stocks and shares ISA. But ISAs aren't a new idea, and in fact they've been around for over 25 years.
Kully
OK. And how are ISA's tax efficient?
Sarah
I think it's worth explaining the tax efficiency of ISAs with a couple of examples. If you have a cash ISA, then it is like an ordinary savings account, but you don't have to pay tax on the interest. So it doesn't matter how much money you have in your cash ISA or how much interest you receive, there's no tax to pay. And you don't have to pay tax when you take money out of your cash ISA either.
Now, the stocks and shares ISA, it's similar, but of course, your money is invested rather than being in savings account. But again, there's no tax to pay on the return that your stocks and shares ISA generates. And you don't have to pay tax when you take money out or cash it in.
Kully
And on that return, Sarah, can you spell out how exactly you get your return from stocks and shares ISA?
Sarah
There are different ways that you can get a return through your stocks and shares ISA.
Now, the first is from growth. So your stocks and shares ISA will be invested in a fund, and that fund will buy shares in a range of different companies. So, if the share price rises, that will generate growth. But secondly, some companies give a share of their profits to their investors. That's something that they might do once a year or several times a year. And that's another way that your stocks and shares ISA can create a return.
But you don't pay tax on a return, no matter how it's generated.
Kully
Great. Thank you for answering all my questions today about ISA Sarah.