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Innovative Finance ISA

ISA eligible green investment opportunities

Tax-free impact investment

What is an Innovative Finance ISA? 

The IFISA was introduced by the UK government in April 2016 in recognition of the growing popularity and size of the peer-to-peer lending and crowdfunding market – a major part of the broader alternative finance sector. The IFISA increases the variety of investment opportunities available under the tax-free ISA wrapper and sits alongside the other existing types of ISA available: cash ISA, stocks and shares ISA and Lifetime ISA.

What is your ISA allowance?

The interest earned on ISA investments is free from income tax and capital gains liabilities, and the personal ISA allowance for 2019/20 is £20,000. This means you can invest up to this total amount in any one or combination of the ISA types available over the course of the tax year. You can also transfer your existing ISA, either partially or in its entirety, to a different provider in order to achieve  higher rates of return while maintaining the tax-free benefits should this suit your circumstances.

Our green Innovative Finance ISA opportunities

Our green Innovative Finance ISA enables tax-free impact investing. Your investment is directly financing eligible green projects and helping to fund the much-needed transition away from a carbon based economy to a renewable one. So not only are you potentially earning higher interest and enjoying tax-free returns, you are also helping to save the planet.

Points to consider

While IFISA investments provide a better rate of return than cash ISAs, it is important to recognise that they are investment products as opposed to savings products and consequently have a higher risk profile. They are not covered by the FSCS (Financial Services Compensation Scheme), your capital is at risk and returns are not guaranteed. We suggest that you seek professional investment advice if there is anything you do not understand.

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