What is an ISA?
Individual Savings Accounts (ISAs) is a savings account that you do not have to pay tax on up to your allowance (currently £20,000). This is a great way to save or invest and not pay tax on any returns or interest on your savings. You can invest with as little as £100.
There are five main types of ISAs: Cash ISA, Stocks and Shares ISA, Innovative Finance ISA, Junior and Lifetime ISA. Please note, Wealth8 currently offers a Stocks and Shares ISA.
Benefits of owning an ISA
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No tax on profits: UK residents pay two taxes on their returns: Capital Gains Tax and Income Tax. With a Stocks and Shares ISA, you can invest up to £20,000 and you don’t need to pay UK tax on any returns you make (20/21 tax year).

Easy way to start investing: It’s easy to open or transfer stocks and share ISA with us. You can invest with as little as £100 or as much as you like up to your tax limit.

Invest ethically: You can choose to invest in an environmental, social and governance (ESG) fund. Your money will be invested in companies that are committed to having a positive impact on the environment and society.
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You can benefit from high returns: Although your capital is at risk, with saving rates so low, now may be the time to consider an investment ISA for a chance for better returns.
Capital at risk. When investing, the value of your investment may rise or fall and there are no guarantees you will get back all the capital you have invested. Prevailing tax rates and relief are dependent on your individual circumstances and may be subject to change.
Our Products
BlackRock MyMap funds
This is a suite of funds managed by BlackRock (the global investment management company) that provides a simple and cost-effective way to create a diversified portfolio. The MyMap portfolios are made up of ETFs and index funds to provide easy access to a collection of investments that include stocks, bonds, alternatives and cash.
Cautious I: BlackRock MyMap 3
This is a fund for investors wanting to take a small level of risk. The fund consists mainly of bonds which are considered less risky than stock investments. The fund primarily invests in developed markets, with Europe and North America contributing to over 95% of the geographical exposure.
Overview Breakdown
Bonds - 75%
Stocks - 20%
Alternatives - 3%
Risk & Return
Risk - 4
Return - 3% to 6%
Cautious II: BlackRock MyMap 4
This is a fund for investors wanting to take a small level of risk. The fund consists of 50% bonds which are considered less risky than stock investments. The fund primarily invests in developed markets, with Europe and North America contributing to over 95% of the geographical exposure.
Overview Breakdown
Bonds - 52%
Stocks - 42%
Alternatives - 5%
Risk & Return
Risk - 4
Return - 6% to 9%
Moderate: BlackRock MyMap 5
This is a fund for investors wanting to take on a higher level of risk. This fund has more stocks, which generally offer higher returns, but also riskier compared to bonds. The fund primarily invest in developed markets, with Europe and North America contributing to over 95% of the geographical exposure.
Overview Breakdown
Bonds - 32%
Stocks - 61%
Alternatives - 5%
Risk & Return
Risk - 5
Return - 8% to 11%
Socially Conscious Fund: BlackRock MyMap 5 Select ESG
This is a fund that lets you invest in line with your values and beliefs. This fund considers investments on a range of ESG themes such as climate change, social opportunities, and corporate governance. The key difference is this fund would screened out companies that don’t meet independently established ESG standards. This fund has more stocks, which generally offer higher return, but also riskier compared to bonds
Overview Breakdown
Bonds - 37%
Stocks - 61%
Alternatives - 1%
Risk & Return
Risk - 5
Return - 8% to 11%
Aggressive: BlackRock MyMap 6
The above product details have been sourced from BlackRock as of February 2021. The split between stocks, bonds, and alternatives is the expected split when your investment is made. Please note that there is no guarantee that the above asset allocations will be met, and these are subject to change.
Risk: Risk is defined in financial terms as the chance that an investment's actual gains will differ from the expected return. This can be measured on a scale of 1-10 based on how likely the fund may rise and fall (volatility), with 4 representing a lower risk and 6 representing a higher risk. This indicates the overall risk and reward profile of the Fund.
Return: The money made or lost on an investment. Every investment will either make a profit or a loss (or in some circumstances, you will get back exactly how much you invested). The return is the expected annual return and is not guaranteed. The aim of the Fund is to provide, over five-year periods, a return on your investment through an actively managed portfolio, whilst also maintaining the risk profile of the Fund. The risk profile of the Fund’s portfolio for this purpose is measured as the volatility (the degree of fluctuation) of the Fund’s returns converted into an annual rate, over a five-year period. Past performance is not an indicator of current or future results and should not be the sole factor of consideration when selecting a product.
Capital at risk. When investing, your investment's value may rise or fall and there are no guarantees you will get back all the capital you have invested. Diversification and asset allocation may not fully protect you from market risk.
For further information on the fund's investment policy, specific fund risk information and past performance, please refer to the Key Investor Information Document available after selecting the fund you would like to invest in.
Wealth8 provides a simple and affordable way to invest your money:
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Educate yourself on the available investment products
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Choose the fund that best suits your risk appetite and personal investment goals
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Choose how much you want to invest
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Invest monthly to build your portfolio
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Check how your investment is performing whenever you like
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Clearly understood low fees
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Your money won't be locked away and you can withdraw it without penalty