ISA – Lump Sum

The Lump Sum ISA is a Stocks and Shares ISA designed for the serious saver looking to invest for the medium to long term.

ISA – Lump Sum

The Lump Sum ISA is a Stocks and Shares ISA designed for the serious saver looking to invest for the medium to long term.

Get MORE, with our special offer

  • Boost your lump sum with an extra 1% (in addition to annual bonuses and a potential final bonus) when you invest or transfer £10,000 or more into an ISA or With-Profit Bond by 31st July 2025. That’s an instant £200 boost if you fully fund your ISA.

You’ll ALSO receive an Amazon.co.uk Gift Card:

  • £50 Gift Card for investments of £10,000 – £19,999
  • £100 Gift Card for investments of £20,000 or more

Apply today and quote promo code UK2025 – terms and conditions apply.

We’ll donate £10 to the Police Remembrance Trust for every new plan opened by 31st July.

Our Lump Sum ISA

If you are determined to build your nest-egg for a financially secure future then this is for you.

As we don’t pay any tax on the interest and capital gains we make on the money you invest, our ISAs enjoy higher rates of bonus and therefore higher returns than our other more traditional savings products.

  • the potential of higher returns over the medium/long term than a Cash ISA.
  • you can save up to £20,000 tax-free each tax year (minimum investment £2,000).
  • your investment earns a bonus every year.
  • after three years we will normally add a final bonus when you withdraw your money.
  • your spouse is eligible too which means your household could protect up to £40,000 each year from the tax man.

Click here to see how our Lump Sum ISA performs compared to the NS&I Direct ISA and the average UK Cash ISA.

Where is my money invested?

The premiums are invested in our With-Profits fund. For information on what that is and how it works, including a diagram to show the approximate investment mix, please refer to the With-Profits fund page.

When can I take money out?

You can invest for as long as you want; there is no fixed term and no maximum age limit.

You can contact us at any time to cash in part or all of your plan, although you should bear in mind that the plan is designed as a medium to long term investment (5 years or more).

Charges will apply on cashing in within one year of investing. We reserve the right to also apply a Market Value Reduction (MVR) so that the value when you cash in more fairly reflects our performance over the period of investment.

What if I change my mind?

We will send you a certificate showing your benefits and a cancellation notice. If you change your mind, you can return the notice within 30 days for a full refund.

How much will it cost for advice?
  • We do not offer or give financial advice.
  • We do not make any form of commission.
  • The cost of providing verbal or written information about this product is included in our overall expenses.
How do I contact you?

MPFS, Central Court, Knoll Rise, Orpington, BR6 0JA

Phone: 01689 891454

Email: [email protected]