Choosing an ISA with Fluid Bond

15th January 2019

What types of ISA’s are there?

There are various ISAs on the market, these include the cash ISA, stocks and shares ISA, Lifetime ISA and another new ISA on the block, the Innovative finance ISA. Each of these can play a significant role in reliable financial planning. So, I bet you’re thinking where to start?

With any type of ISA, the government allow you to you to invest up to £20,000 each year which benefits UK customers through tax-free* and capital gains-free interest on their ISA. With the opportunity to spread your allowance between different types of ISAs if you wish (but not open more than one of each per year).

One of the main reasons as to why people move from a savings account is due to the low-interest rate, giving a reason to grow money elsewhere on the financial markets. Due to the fundamentals of the financial markets, choosing the right option is key, however, if you want to grow your money, taking some risk could grow your money for the future.
Below are the five key things that are worth considering in an ISA.


When coming to choose an ISA, you have the flexibility to choose what goes into your portfolio, but you also have the responsibility of planning your investment strategy, outlining your asset allocation, and researching the investments that best reflect you to go into your portfolio. Now, this can seem daunting for many, but it doesn’t have to be with the right investment advice.

Some people may like the freedom of managing their own finances, and others may be too busy to manage their investments by themselves or may lack financial confidence. Making the right decisions for your financial situation means you’re more likely to reach your financial goals, whatever they may be, and lead a better quality of life.

At Fluid Bond, we help you every step of the way to try to ensure your investment continues to put you in the best position to reach your goals for as long as you invest with us.

Investment Management

Once you’ve got your portfolio set up, you’re on the right track in terms of growing your money. You can invest up to £20,000 in your ISA each year, so you’ll want to know the best times and places that you’re investing your money to.

Fluid Bond is led by a team of highly experienced finance industry leaders and we make sure that we offer you the opportunity to generate a high potential return while working with an organisation in a competitive marketplace.

Don’t let fees eat into your return

Having an expert manage your money for you can come at a big cost but depending on your needs it may be worth it. Typically, the more fees that you pay, the more you must make it up in growing your investment to break even, then even further to even make a profit. Although taking advice may be the difference between losing money and making a profit.

We will never provide you with advice, but at Fluid Bond we believe in maximising your investment as much as possible, which is why we have measures in place to reduce extra expenses that could impact your interest. At Fluid Bond there are ZERO hidden charges involved, and a minimum investment of just £2,000 is required to get started. Fluid Bond understands that extra charges can put people off or could determine whether to invest or not, which is why we cover all extra costs.

Free Transfers

With the financial market constantly changing, it’s important to keep up to date with what ISA may benefit you the most. Whether you’ve built up a small fortune in a cash ISA or have a number of different stocks and shares ISAs that have accumulated up over the years, you probably want to be able to have the option to transfer to this with free or cheap fees, which is why at Fluid Bond we have this covered for you. You should check with your existing provider for any exit fees they have.

When you come to move your money from one ISA to another, whether this be a bank, asset manager or investment platform – it’s important that you make sure that you are transferring your money correctly, because if you aren’t careful you could lose your tax – free benefits you’ve accumulated over the years.

Regular Investing

When you have a lump sum of money to invest, you’ll likely want to be able to have the option of being able to invest regularly to your ISA.

Additionally, the more money that you invest in your ISA, the bigger your overall profit will be over the years (dependant on performance if an investment ISA). With Fluid Bond’s new feature of being able to make a new investment each month, you can now manage your savings and finances more strategically and you have the ability to complete your yearly ISA allowance in bite-size chunks.

Having the capability to choose the date of your investment allows you to find a day that suits you, such as payday or the day that all your bills go out. Each investment that you make into a Fluid Bond will mature 3 years after the investment date, so you could receive a steady income as the bonds mature.

Want to find out more?

Now is a good time to be thinking about investing through an ISA due to yearly allowances. An IFSA is one such way to be able to use this year’s allowances, and more importantly, potentially make the most of your money for the 2018/2019 tax year.

Here at Fluid Bond we are going to be here every step of the way, constantly updating blogs regarding the Bond and Innovative Finance ISAs and what we can do to help you. If there is anything you’d be interested in hearing us cover, please don’t hesitate to contact us at or get in touch via one of our social media channels.

Alternatively, if you’re ready to find out if The Fluid Bond could work for you, head over to our website for more information: 

*Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.