If you’ve used your full ISA allowance or are setting up new innovative finance, this could be the perfect solution for you. Increase your investment limits and potentially save more with all the tax benefits of an ISA (up to £20,000) through the Fluid ISA. You can purchase Fluid Bonds and enjoy the benefits of a Fluid Bond wrapped in an ISA while potentially maximising your returns by investing above the £20,000 threshold outside of the ISA. Tax treatment depends on the individual circumstances of each investor and may be subject to change in future.

Key Benefits and Risks of The Fluid Direct Investment Bond & ISA

  • Invest more, even if you’ve used up your IFISA allowance for the current financial year
  • Initial £20,000 investment will be held in a tax-free. Tax treatment depends on the individual circumstances of each investor and may be subject to change in future
  • Fantastic customer support to guide you along the way and keep you updated on your Investments
  • While bonds are Asset-backed this does not guarantee a return for bondholders
  • Your Capital Is at Risk
  • There is no FSCS cover for the bond investment

Easily manage your investment online

With Fluid, you can easily manage your investment on the go through your investor dashboard and make additional investments, manage monthly top-ups and see interest gained.

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Getting started

  • Open a Fluid Direct Investment account today with an initial £10,000 investment
  • Direct investments will be subject to income and or gains which will need to be declared on your tax return

Frequently Asked Questions

  • What am I investing in?

    You are buying into a bond, issued by Fluid ISA Bond 2 Limited.

  • Can I make additional investments on a monthly basis?

    Yes! You can invest monthly with each investment treated as a separate bond.

  • Is the initial £20,000 investment through the Fluid ISA tax-free?

    Tax treatment depends on the individual circumstances of each investor and may be subject to change in future. Yes, as an IF ISA, the initial £20,000 investment is treated like any other ISA held with a bank for tax purposes, and as such is not subject to tax. Please note… Read More

  • How long is the investment term?

    The bond is held for a 3-year term.

  • Can I access my investment if I change my mind?

    All investments in the Fluid Bond are subject to a 14-day cooling-off period. After this time you will not be able to access your funds until the end of the term (apart from in extreme circumstances)

  • How often do I receive interest on my initial investments?

    Interest payments are due to be paid out quarterly.

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Alternatively, you can contact a dedicated account manager on 0800 088 4548
Tax treatment depends on the individual circumstances of each investor and may be subject to change in future.

The fact that the bond is asset-backed would not guarantee that all capital would be repaid. This also means that there is a liquidity risk and there is likely to be a delay in repaying your capital should you request it.