Before investing please ensure you read the Important Information for Investors document and the relevant Key Investor Information Document (KIID(s)), Prospectus and Costs and charges illustration for the funds you would like to invest in.
Please see our glossary for information on the financial terms used in this webpage.
Invest tax-efficiently in The M&G ISA
Markets will always rise and fall, but investing in stocks and shares through an ISA could deliver far greater returns than cash in the bank over the long term (5-10 years or more). And there’s no capital gains or income tax to pay on any profits your ISA achieves, so you get to keep more of what your investments earn for yourself. Remember, tax rules can change and the impact of taxation depends on your circumstances and where you live.
The deadline for maximising this year’s £20,000 ISA allowance is 5 April 2025.
Why invest in stocks and shares?
In a word, potential. Stocks and shares investments have more potential to deliver returns in excess of inflation (known as real returns) than your cash savings, over the long term. While the rise and fall of markets is a natural part of investing, as you can see from the chart below, the trend over the long term is generally upwards.
In reality, there’s no ‘right time’ to invest. When markets are higher, your money will buy you less, but when markets fall, it will buy your more. Ultimately, the longer you’re invested, the more likely you’ll be to see the returns you’re looking for.
Source: Morningstar Direct, all periods shown to 31.10.24. UK stocks and shares represented by the total return (the combination of income and capital growth) of the companies that comprise the UK FTSE All-Share Index (GBP). UK bonds (fixed income) represented by the total return of the Markit iBoxx Corporate Index (GBP). Returns from cash savings represented by the UK Savings 2,500+ net Index, which comprises the top savings rates of 30 bank and building societies across the UK, for accounts that hold £2,500 or more. Investors cannot invest directly in an index.
Past performance is not a guide to future performance. Up to £85,000 of your money is secure in a bank or building society through the Financial Services Compensation Scheme, unlike stocks and shares or fixed interest investments which are less.
- The M&G ISA & Junior ISA
- Our funds
- Transfer an ISA
- Charges
- Financial advice
- Guides to investing
- How to invest
With an ISA there’s no personal liability to tax on interest payments, dividend payments, or capital gains to pay, and you don’t need to declare your ISAs on your tax return. So depending on your personal situation, ISAs could save you a great deal of time and money in the long run.
The M&G ISA
Within The M&G ISA you can hold a dynamic mix of equities (shares in a company), bonds (a loan in the form of a security, usually issued by a government or company, also known as fixed income) and even multi-asset funds to suit your individual needs.
We’ve been helping people grow their money for nearly 100 years, since launching Europe’s first ever mutual fund back in 1931. With a wide range of funds, catering for a variety of risk appetites and a strong heritage in equities, The M&G ISA could be worth considering this tax year.
You can invest up to £20,000 in an ISA with either a lump sum or with regular contributions.
The M&G Junior ISA
Junior ISAs offer a tax-efficient way to save for a child's future. Right now, you can invest up to £9,000. Find out more about The M&G Junior ISA.
Please note, The M&G ISA and The M&G Junior ISA are stocks and shares ISAs only.
The tax rules for ISAs and Junior ISAs may change in the future, and their tax advantages depend on your individual circumstances.
Whichever fund(s) you choose for your ISA and however you’d like to invest, there’s no substitute for experience. When you invest with M&G, you benefit from our size, scale and nearly 100 years of expertise in the investment industry.
We have a range of over 40 funds to help you achieve your goals across different asset classes including equities, bonds and multi-asset.
Sustainable and Impact funds
Your financial choices help to shape the world we live in. Some of the money you invest has the potential to fund something better: for people, for communities, and for the planet.
Multi-asset
Multi-asset funds typically invest across a range of assets, thereby offering investors a mix of equities, fixed income securities, cash and currencies in a single portfolio.
Equities
Equities are shares of ownership in a company. Over the long term, investing in equities has the potential to generate higher returns, which could help you meet your investment objectives.
Fixed income (bonds)
Fixed income securities, also known as bonds, potentially offer a more predictable income for investors when compared to riskier asset classes, such as equities, and could help to bring an important element of diversification to your investment portfolio.
Share classes
For the majority of M&G funds, Investors can choose between three share classes. Each share class has been designed with different investment needs in mind.
Thinking of transferring an ISA?
Having ISAs spread across different providers could make it difficult keeping tabs on what is going on with each of them. Bringing your ISA investments into fewer or even into one place could reduce the cost, paperwork and make it more convenient and easier to manage.
If you have an ISA from previous tax years with other providers, it’s easy to transfer them to M&G. They’ll keep all their tax benefits and we won’t charge you a penny to transfer. But, it’s always best to check with your current provider first because they may apply a charge at their end when you transfer your investment elsewhere.
Transferring your ISA to M&G won’t affect its tax status or impact your ISA allowance for the tax year. But, you should speak to a financial adviser if you are unsure whether an investment is right for your individual needs. Please remember that while your investment is being transferred it will be out of the market and will not lose or gain in value.
- To transfer an ISA to M&G please download and complete the M&G ISA Transfer Application Form.
- To transfer a Junior ISA to M&G, please download and complete the M&G Junior ISA Transfer Application Form.
- To transfer a Child Trust Fund or a matured Child Trust Fund to M&G, please download and complete either the CTF transfer application form or the Matured CTF to ISA transfer application form.
Please send your completed form to us at:
M&G Securities Limited
PO Box 9039
Chelmsford
CM99 2XG
Before investing please ensure you read the Important Information for Investors document and the relevant Key Investor Information Document (KIID(s)), Prospectus and Costs and charges illustration for the funds you would like to invest in.
Find out more about transferring an ISA or Junior ISA to M&G.
Our charges vary between the funds that you can invest in, and then by the class of share they might hold.
For each fund, you will pay an ongoing charge (which consists of an annual charge and extraordinary expenses) plus a share of portfolio transaction costs (the costs incurred when funds buy and sell investments). Please see below for an explanation of both costs.
There are no extra charges or hidden costs, for example there are no entry or exit charges on your investment.
Take a look at our table of annual charges.
To see what you might pay for the funds you are interested in, click on our charges calculator below.
The value of advice
There’s lots of choice out there and making decisions about investing can sometimes be overwhelming, particularly in the current climate, so it could help to speak to an investment professional.
If you’re ill, you go to the doctors, if you’re moving house, you speak to a solicitor. We use experts for a whole range of important decisions that impact our lives, so why should our investments be any different? Your investments need to be the right fit for your personal circumstances and long-term aims.
There's lots of research to show that advice works and, adds real value to people’s financial circumstances in the long run.
If you don’t already have a financial adviser, you can visit a financial adviser search website such as www.unbiased.co.uk or www.vouchedfor.co.uk
MoneyHelper provides details on how to obtain financial advice on its website. They have also launched a free online tool ‘Money Navigator’ which is designed to help people navigate their finances, such as in the wake of the cost of living crisis, and to avoid financial issues worsening in future.
For more information and useful contacts see our Get financial advice page.
At M&G, understanding is at the heart of what we do. We have a range of helpful guides that explain investing more generally and the different asset classes available. They aim to help you broaden your investment knowledge and gain a deeper understanding of your investment choices.
Invest by phone
Call our Investment Helpline on 0800 389 8600 from 08:00 to 18:00 Monday to Friday and from 09:00 to 13:00 on Saturday. All calls are free within the UK. For your security and to improve the quality of our service we may record and monitor telephone calls.
Remember to have your M&G Client Reference to hand if you’re already an M&G customer, and your National Insurance number for new ISA investments. You’ll also need your debit card. We accept Maestro, MasterCard Debit, Visa Debit & Visa Delta debit cards.
Invest by post
If topping up your ISA please download the M&G ISA Direct Debit/Additional Contribution Form. You will need to complete a new M&G ISA application form if one full tax year has elapsed since your last M&G ISA subscription.
If you would like to invest in a Junior ISA please download the M&G Junior ISA Application Form. If you’re topping up a Junior ISA please download the M&G Junior ISA Direct Debit/Additional Contribution Form.
Send your completed form to us at:
M&G Securities Limited
PO Box 9039
Chelmsford
CM99 2XG
Invest online
At M&G, we understand that investors may want to manage their accounts in different ways.
Find out more about how you can manage your investment online.
The value of investments will fluctuate, which will cause prices to fall as well as rise and you may not get back the original amount you invested. The views expressed on this page should not be taken as a recommendation, advice or forecast. We are unable to give financial advice. If you are unsure about the suitability of your investment, speak to your financial adviser. Past performance is not a guide to future performance.
Further information
Switching
Switching between our products and funds is easy and can be far cheaper than starting a new investment.
My Account
You can now switch your M&G OEIC investments into The M&G ISA via My Account.