Individual Savings Account (ISAs)

What is an Individual Savings Account (ISA)?

An ISA is a 'wrapper' in which you can put different types of investments (components) without having to pay tax on the investment growth or interest produced in the case of the Rathbone Ethical Bond Fund. You can hold up to three types of investment within an ISA: stocks and shares (including unit trusts), cash and life insurance.

What is an ISA?

When you invest in our ISA, your money will buy units in one or more of our unit trusts. The monies are then invested in accordance with the fund's investment objectives.

The aim of our ISA (Individual Savings Account) is to generate income and/or capital growth within a tax-efficient environment.

RUTM does not offer a cash or life insurance ISA. To find out information about what types of ISA are available please read the supplementary information document for the appropriate product range and investment: Unit Trust, Rathbone Heritage Fund or Multi-Asset Portfolios. For information on charges please read the key investor information document appropriate to your investment.

Charities, Pensions, ISAs and non-taxpayers can reclaim 20% tax on interest distributions within the Rathbone Ethical Bond Fund.

Subscriptions and eligibility

The ISA tax year runs from 6 April to 5 April the following year. In the current tax year 2017/2018 (from 6th April 2017), your upper limit is £20,000 for all eligible investors. In the new tax year 2018/2019 (from 6th April 2018) your allowance remains frozen at £20,000).

Your whole NISA allowance of £20,000 can be invested in either cash, stocks and shares, or any combination of the two during the tax year.

Regular savings plan

From 31 December 2012 we stopped offering a regular savings plan (including ISAs). We will continue to accept payments to savings plans that have been opened prior to this date; however, we are not able to accept any increases in monthly subscriptions.

Please download the appropriate forms and information below: 

Document(s) to download for tax year 2017/2018 (to 5th April 2018), and 2018/19 (your new tax year up to 5th April 2019):

* Please read with the appropriate key investor information document (KII) and the supplementary information document.

** Please make sure you have read the supplementary information document.

Different investment limits and charges apply for ‘R’ class, and ‘S’ class investments - please see the supplementary information document for more information.

Note: ISA Application forms for 2017/2018 received after 6 April 2018 (the end of the current tax year) will NOT be processed.

Where do I send completed application forms?

Please send all completed application forms to:

Rathbone Unit Trust Management Limited
PO Box 9948
CM99 2AG