Flexible Stocks and Shares ISA
✓ Our Flexible Investment ISA lets you withdraw money and put it back in the same tax year — without using up your annual allowance.
✓ Pick your investment style and change it anytime — while our experts manage your portfolio for you.
✓ Fees are low and transparent, so you keep more of what you invest.
Get started with a minimum £1,000 initial deposit, then make further adhoc or monthly deposits big or small, to suit you.
With investing, your capital is at risk. Tax on investments depends on your individual circumstances and can change. ISA rules apply.
How to open a Stocks and Shares ISA
As with everything we do at Wealthify, we’ve made the process of opening a Stocks and Shares ISA as simple as possible.
You choose
From Cautious to Adventurous, choose your investment style and let us know how much you'd like to get started with.
You answer
Answer a few questions in our suitability quiz, which helps you start an ISA that's right for your circumstances.
We build
We manage
Sit back and let us manage everything for you. Use our online dashboard or app to track your Plan's performance.
Our awards
Is a managed Wealthify Stocks and Shares ISA right for you?
✓ You're happy for our investment experts to pick your stocks for you
✓ You want your portfolio automatically rebalanced for you
✓ You want to invest without the time commitment
✗ You enjoy researching the markets and picking your own stocks
✗ You already have a clear investment strategy in mind
✗ You want to react to market movements and trade on your own terms
Our Plan investment styles
From Cautious to Adventurous, all of our Plans are expertly managed as part of your Wealthify fee
Level 1: Cautious
The focus is on preserving money rather than making large gains.
This Plan aims to have approximately 90% in cash and cash-like assets, with the remainder in low-risk assets such as Corporate Bonds. Small movements up and down in Plan value are to be expected.
Level 2: Tentative
The focus is on limiting losses rather than making high returns.
This Plan aims to have approximately 55% in lower risk assets, with the remainder in higher risk funds made up of global companies. Moderate movements up and down in value are to be expected.
Level 3: Confident
Making gains and controlling potential losses are equally important.
This Plan aims to have approximately 65% invested in higher risk funds made up of global companies, with the remainder in lower risk assets. This Plan sees movements up and down in value, with the aim of getting good returns.
Level 4: Ambitious
Making gains is a priority.
This Plan aims to have approximately 75% invested in higher risk funds made up of global companies, with the remainder in lower risk assets. In order to try and achieve high returns, this Plan could see large movements up and down in value.
Level 5: Adventurous
Maximising gains is a priority.
This Plan aims to have approximately 95% invested in higher risk funds made up of global companies, with the remainder in lower risk assets. In order to try and achieve high returns, this Plan could see substantial movements up and down in value.
See how our Plans have performed
The graph below shows how each of our investment styles - from Cautious to Adventurous - have performed between 29th February 2016 and 31st July 2025, after all fees have been taken (based on 0.60% p.a. Wealthify management fee). These figures are based on the performance of Plans worth more than £100, figures will be different for Plans below that amount.
Original
Ethical
Of course, we experienced the ups and downs of the market along the way and you could get back less than you put in. Although we cannot rely on past performance to predict future results investing for the long-term (5 years or more) typically delivers positive returns. These figures are after all fees have been taken (based on 0.60% p.a Wealthify management charge), and are based on the performance of Plans worth more than £100 and will be different for Plans below that amount.
Plan performance by year
This table shows by how much each of our investment styles have grown each year
| Investment Style | 31/12/2019 - 31/12/2020 | 31/12/2020 - 31/12/2021 | 31/12/2021 - 31/12/2022 | 30/12/2022 - 30/12/2023 | 29/12/2023 - 29/12/2024 | 30/12/2024 - 30/12/2025 |
|---|---|---|---|---|---|---|
| Cautious | 2.70% | 0.47% | -11.19% | 4.65% | 1.05% | 6.08% |
| Tentative | 3.88% | 3.72% | -10.82% | 6.21% | 3.36% | 8.02% |
| Confident | 4.87% | 6.66% | -10.33% | 7.76% | 6.09% | 9.93% |
| Ambitious | 5.11% | 9.66% | -9.39% | 9.46% | 9.10% | 11.58% |
| Adventurous | 5.06% | 12.75% | -9.14% | 11.35% | 12.27% | 12.95% |
See how our Plans have performed
The graph below shows how each of our investment styles - from Cautious to Adventurous - have performed between 28th February 2018 and 31st July 2025, after all fees have been taken (based on 0.60% p.a. Wealthify management fee). These figures are based on the performance of Plans worth more than £100, figures will be different for Plans below that amount.
Original
Ethical
Of course, we experienced the ups and downs of the market along the way and you could get back less than you put in. Although we cannot rely on past performance to predict future results investing for the long-term (5 years or more) typically delivers positive returns. These figures are after all fees have been taken (based on 0.60% p.a Wealthify management charge), and are based on the performance of Plans worth more than £100 and will be different for Plans below that amount.
Plan performance by year
This table shows by how much each of our ethical investment styles have grown each year
| Investment Style | 31/12/2019 - 31/12/2020 | 31/12/2020 - 31/12/2021 | 31/12/2021 - 31/12/2022 | 30/12/2022 - 30/12/2023 | 29/12/2023 - 29/12/2024 | 30/12/2024 - 30/12/2025 |
|---|---|---|---|---|---|---|
| Cautious | 4.14% | 0.73% | -14.93% | 4.80% | 0.70% | 5.22% |
| Tentative | 6.45% | 4.11% | -15.65% | 6.85% | 2.77% | 5.75% |
| Confident | 9.04% | 7.63% | -16.51% | 8.81% | 5.01% | 6.12% |
| Ambitious | 11.16% | 11.18% | -17.42% | 11.08% | 7.34% | 5.64% |
| Adventurous | 13.43% | 14.65% | -18.72% | 13.63% | 9.98% | 5.63% |
How your money's invested
We invest your money using passive and active investments called mutual funds.
These funds contain a collection of investments – including shares, bonds, and property – and provide the following benefits:
- A convenient, cost-effective way to invest.
- Diversification, meaning your risk is spread.
- Your money tracks entire markets, like the FTSE 100.
Even though the mix of funds will change over time, our team of experts optimise your Plan regularly, keeping it in line with your chosen investment style.
Transferring an ISA?
- You can transfer any Cash ISAs or Stocks and Shares ISAs you have with other providers into a Wealthify Stocks and Shares ISA.
- When you transfer an ISA to Wealthify, you should always use the official ISA transfer form to retain the ISA tax benefits.
- Transferring ISAs from previous tax years doesn’t impact your current ISA allowance, so you can still put up to £20,000 into an ISA this tax year.
Our Ethical Stocks & Shares ISA
- Invest in your future and the planet's at the same time
- Five Ethical Plans built in partnership with best-in-class ethical fund providers
- Invest in organisations committed to positive social and environmental impact
- All fund providers are signatories of the Principles for Responsible Investment (PRI) — the world's leading responsible investing framework
- Actively managed funds with rigorous, ongoing screening to ensure ethical standards are maintained
Wealthify Customer Reviews
Looking for support?
Our Customer Care team are always there to help, whether you have a question about your Wealthify Plan, you’re having trouble with the app, or you’re simply unsure of how to get started when it comes to investing with us. Whatever you need, just get in touch.
Telephone
Chat with our friendly team on 0800 802 1800, Monday - Friday, from 8.00am - 5.30pm.
Live Chat
Chat to one of our team online.
Investment FAQs
A flexible Stocks and Shares ISA allows you to withdraw money and replace it within the same tax year without affecting your annual £20,000 ISA allowance. Unlike standard Investment ISAs, where withdrawals reduce your limit for the year, flexible ISAs ensure you do not lose your tax-free allowance.
You can open an ISA with Wealthify if you:
- Are aged 18 or over.
- Are a UK tax resident.
- Have not opened an Investment ISA (other than within a Lifetime ISA) with another provider in the current tax year.
When you’re building your Investment Plan, the first question you'll be asked is whether you'd like to open an ISA or a General Investment Account (select ‘ISA’). Under the current rules, you can only open one of each type of ISA per tax year (Investment ISA, Cash ISA, Innovative ISA, and Lifetime ISA) — but you can split your annual ISA allowance between them however you like.
If you’re likely to exceed your ISA allowance, you can simply set up a General Investment Plan to invest additional funds. There’s no extra cost for having two or more Plans.
The ISA maximum you can save each tax year (which runs from the 6th of April to 5th of April the following year) is £20,000. Under the current rules, you can put the full £20,000 allowance in either: a Cash ISA; peer to peer lending; Investment ISA; or split the £20,000 allowance between the two in any combination you like.
Nothing! A Stocks and Shares ISA and an Investment ISA are just different names for tax-free investments.
Yes, you can withdraw funds from your ISA plan at any time, without penalty. However, if you withdraw money from this year's ISA, you'll lose that portion of your ISA allowance.
Yes, they are. All your investments in our ISAs and General Investment Account products are held with our custodian bank, Winterflood Securities: a global financial services provider and part of Close Brothers Group, who have been trading for more than 130 years. The custodian of our Pension products is Embark Pensions, who are part of the UK’s fastest-growing digital retirement platform, Embark Group.
Winterflood Securities and Embark both hold your assets separately (ring-fenced) from Wealthify. So, even if we went into administration, our creditors would not have a claim to your investments.
The Financial Services Compensation Scheme may also cover the first £120,000 of your investments. However, it’s essential to understand that the FSCS doesn’t cover you if your investments do not perform as expected (and you get back less than you originally invested). For more information, please visit https://www.fscs.org.uk/