Risks

It is important to understand the nature and size of the risks that you face when you invest.

Our accounts are offered on an “execution only” basis. This means that you make your own investment decisions and we don’t give you advice about what to do. We do provide information about investments to help you make your own investment decisions but you should not consider this as a recommendation. If you are not comfortable about making your own investment decisions then these accounts may not be right for you.

Any tax rules that we refer to here and in any other place in our documentation, website or apps are those that apply now, they can change over time and any tax benefits will depend on your personal circumstances at the time. You should bear this in mind when making investment decisions.

Any information provided by Tickr should not be seen as advice and, if you are still unsure if these accounts or investing is right for you, you should seek help from a suitably qualified advise.

General Investing Risks

The value of your investments will go down as well as up and you may not get back the whole amount that you invested.

As Tickr accounts are ‘execution–only’, it is important that you review your investments regularly so that you know how they are performing and make any changes you think are needed. You should remember that past performance is not an indication of future performance and investments may need to be held for the medium to long term (five to seven years).

Some investments carry a higher degree of risk than others.

Stocks & Shares ISAs

Annual limits and payments

The amount you can invest into an ISA each year is decided by the government. Currently you can invest up to £20,000 in adult ISAs including a stocks and shares ISA and how you split the money between different types of ISAs doesn’t matter provided you don’t go over the limit in total.

It is worth remembering that the annual subscription allowances are only available for each single tax year, so if you don’t use your allowance in any year you will lose it.

Tax benefits of ISAs

Currently ISA investments are free from capital gains tax and income tax.

Withdrawals from a Stocks and shares ISA

Once you have invested the annual maximum you can’t make any further subscriptions in the tax year. If you withdraw money from your stocks and shares ISA you will not be able to pay it back in if you have reached your annual subscription limit. If you decide to transfer an ISA from one company to another you will need to do this as an ISA transfer rather than take money out and pay it back in again.