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Explore how I can invest for retirement

Our Modular iPlan brings pensions, ISAs and other investments together in one place.

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See what I could get in retirement

Get a personalised illustration to see what you could get by investing with James Hay.

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How can I take money out of my pension

If you are 55 or over, you can start accessing your pensions now – and we’re here to help.

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Register for an online account

Set up your James Hay Online Account now – and get ready to invest.

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Tax-efficient investing with access anytime

See key information about this product

Another dimension to your Modular iPlan

Once you’ve set up your Modular iSIPP, you are free to add an Individual Savings Account (ISA) A savings and investment scheme set up by the government that allows a certain amount to be invested each tax year, with proceeds free of income tax and capital gains tax. Depending on what they invest in, ISAs can be classified as cash ISAs (for savings and deposits) and stocks and shares ISAs (for stockmarket-linked investments). to your Modular iPlan for no extra set up charge.

As with the Modular iSIPP, our Modular ISA offers plenty of investment choice. The James Hay Investment Centre offers over 3,700 funds plus access to stocks and shares through a StockbrokerA firm that is authorised to buy and sell stock market securities, such as shares and bonds, on behalf of investors.. You can also add our ‘Whole of Market’ module to invest in other investment funds.

Investments can carry high levels of risk. We strongly encourage you to seek regulated financial advice to ensure any investment is suitable for you.

What the ISA offers:

  • Over 3,700 funds through our online Investment Centre
  • A stockbroker service
  • Whole of Market module to access additional investment funds

ISAs – your perfect SIPP partner

An ISA can be a great addition to your Modular iPlan, offering complementary advantages to a SIPP that can give you even greater wealth-planning flexibility – see panel below.

Plus, you can view all your Modular iPlan investments together online. So it’s easy to assess how your overall portfolio is invested and track its latest value. As a stock-market linked investment, ISAs do carry risks (see below), so please check it is suitable before you invest.

SIPP (must be included)ISA (optional)GIA (optional)
Contribute up to 100% of annual taxable income, normally subject to £40,000 limit* Invest up to £15,240 a year (2016/17 limit) No investment limit
Tax relief given on contributions No tax relief on what you invest No tax relief on what you invest
Fund grows largely tax-free Fund grows largely tax-free Fund growth is taxable
Can usually only be accessed from age 55 Access at any time Access at any time
Take 25% of fund tax-free Take 100% of fund tax-free Income and capital gains subject to tax
Optional investment modules
- Whole of Market
- Commercial Property
Optional investment modules
- Whole of Market
Optional investment modules
- Whole of Market

*These are the limits for contributions receiving tax relief; non-taxpayers can contribute up to £3,600; unused contribution allowances can be carried forward to the next tax year


Who can open a Modular ISA?



Please remember

The Modular ISA is not suitable for all investors. We strongly encourage you to get regulated financial advice before proceeding. James Hay Partnership is not authorised to give financial advice. If you do not already have a financial adviser, you can find an authorised adviser in your local area at www.unbiased.co.uk. You can also get useful and impartial information about pensions, savings and investments from the Money Advice Service (www.moneyadviceservice.org.uk).

Tax Risk Warning

Current tax legislation and HMRC practice could change in the future. This may affect the value of your investments. In addition, your individual circumstances will impact the tax treatment of your Modular ISA and may also be subject to change in the future.

Capital At Risk Warning

The value of your Modular ISA will be determined by the valuation of all the investments held within it. Depending on the type of investments that you choose to hold within your Modular ISA, some of these may not return the amount you initially invested especially where their value can go down as well as up.

There are risks to investing. To read more about them, click here.