The Abundance IF ISA helps you grow your ISA money by putting it to work to build a better, cleaner future for the UK. The Abundance IF ISA is an Innovative Finance ISA (IF ISA) which can be held alongside the other types of ISA available, such as a cash or stocks and shares ISA.

What makes our IF ISA different is that you choose every investment in it, and each investment goes directly into a council or business that is building a better world. This means you can create a portfolio across our sectors and investment lifestages that matches your financial goals with your vision for a more sustainable future.

Please remember that your capital is at risk when investing on Abundance, and the tax treatment of your investment depends on your individual circumstances and is subject to change. Find out more here

Put cash into your Abundance IF ISA

You can subscribe any amount from £5 right up to the maximum annual ISA allowance of £20,000 into your Abundance IF ISA each tax year. You can also transfer money from your existing ISAs into your Abundance IF ISA.

Invest tax free

You can choose to invest in any of the direct investments available on Abundance through your IF ISA with a minimum of just £5 in each. This lets you easily diversify your holdings within your Abundance IF ISA across a range of sectors, investment terms and risk levels. You need to invest the money in your Abundance IF ISA to earn a return as we do not pay any interest on cash held in your IF ISA.

You can invest in any of the company or municipal investments on Abundance from within our IF ISA (our first two municipal investments were however not eligible to be held in an IF ISA - find out more here).

You can invest in the open investments which are currently raising money on Abundance, or invest in our previous direct investments through the marketplace.

Earn regular tax-free cash returns

Most of our investments offer six-monthly cash returns, which are paid back into your Abundance IF ISA account and are tax-free. You can choose to reinvest your returns in new investments to grow your money further, or withdraw the money. We provide a calculator for each of our investments so you can easily see the expected returns for each year of the investment.

Actively manage your IF ISA

Our IF ISA lets you choose how to manage your IF ISA based on your goals. Our customers use their cash returns in different ways depending on what they have decided this money is for. Some withdraw their regular cash returns as income, while others manage their portfolio more actively by reinvesting some of their cash returns into new investment and spending the rest.

Because some of our investments repay some of the original invested capital at the same time as investment return, you have a lot of choice about what your IF ISA money can do. We have explained a little more about each strategy below.

Reinvest your income to maximise your growth

Many customers choose to reinvest their capital repayments and investment income in order to grow their money more quickly. When they do this, they are growing their holdings with us without the need to deposit new money all the time, although many do ’top up’ when they reinvest. When the time comes to start spending their returns, they have built up a bigger income.

Grow your holdings and create a tax-free cash income

The Abundance IF ISA also allows you to keep growing your income but still keep access to cash as you need it. This is because you are in control of how much of your returns you reinvest, so you can choose to reinvest any percentage of your cash returns while withdrawing some to spend immediately or save for a rainy day.

Following this strategy lets you balance growing your portfolio of investments with getting a cash income.

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