On Abundance, you make the decisions on where you want to invest your money. You choose the investments that have the impact you care about, with a return and risk that is right for you.

You can make those investments through the portfolio of your choice, with three options available - Innovative Finance ISA, Abundance Pension or a Standard portfolio. You’ll be asked to choose a portfolio when you make your first investment, but you can also choose to open an ISA or Pension portfolio beforehand.

What are the features of the different portfolio types?

Innovative Finance ISA (IF ISA) portfolio

If you want to invest tax free, you can do so by opening an Abundance IF ISA. Our Innovative Finance ISA can be held alongside any existing cash or stocks and shares ISAs you hold, and you will pay no tax on the returns you receive from the investments you make through it. 


  • Invest in any of the company investments available on Abundance (Community Municipal Investments cannot currently be held our IFISA)

  • Start from £5

  • Investment returns will be tax-free

  • Annual limit of £20,000 in total subscriptions (deposits) across all of your ISAs for the 2021/2022 tax year

  • Can be held alongside another type of ISA like a cash ISA or stocks and shares ISA (however you can only open one of each type in each tax year)

  • Transfer money into your Abundance IF ISA from another ISA you already have

  • Transfer money out of your Abundance IF ISA to another ISA provider if you wish (it is not possible to transfer the investments to another provider, so you would need to sell your investments on Abundance first)

  • A flexible ISA, which means you can withdraw cash from your ISA and put it back in later in the year without losing any of your allowance.

  • No fees

Learn more about the Abundance IF ISA here.

Standard portfolio

A Standard portfolio is our general investment portfolio where your returns will be taxable but there is no annual limit on how much you can invest with Abundance.


  • Invest in any of the investments available on Abundance

  • Start from £5

  • No annual limit on investing

  • Investment returns will be taxable

  • No fees

Abundance Pension portfolio

The Abundance Pension portfolio is a type of self-invested personal pension (SIPP) which is a DIY pension where you are in control of the investments you make within it. You can only hold the investments available on the Abundance platform within your Abundance Pension, but you can open an Abundance Pension alongside other pensions you have. Your investment returns will be tax-free and you can receive tax relief on contributions you make to your pension.

The Abundance Pension is provided by our partner, Gaudi Regulated Services Limited (Gaudi)*.


  • Invest in any of the investments available on Abundance

  • Investment returns are tax-free

  • Receive tax relief on contributions to your pension

  • Hold alongside other pensions you have

  • Transfer money from other pensions you hold

  • Minimum of £5,000 to open a pension (either a contribution or pension transfer) 

  • Fees apply, including a fee to open a pension and an ongoing annual fee.

Learn more about the Abundance Pension and the fees involved here.

*The Abundance Pension is a self-invested personal pension (SIPP) provided by , who are authorised and regulated by the FCA (488015). Setting up an Abundance Pension involves entering into a SIPP contract with Gaudi to hold Abundance investments. Abundance is not a direct pension provider and cannot give pension advice.

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