With My Smarter (ISA), your money is invested in Scottish Friendly's With-Profits fund, which is linked to the stock market. So while it's impossible to predict exactly what return you may get, our ISA growth calculator can show you how much you might get back on your investment in the future.
The calculator shows you what could happen in three different assumed investment scenarios - lower growth, where investments grow at 2% a year, medium growth, where investments grow at 5% a year, and higher growth, where investments grow at 8% a year.
As with any investment, the value of your My Smarter (ISA) can go down as well as up, and you could get back less than you paid in.
Enter the amount you'd like to invest as a regular monthly payment, lump sum or both.
You can choose to automatically increase your payments by 10%, 5% or 2.5% each year. Please select 0% to decline this option
To help you decide, this table shows your monthly payments if you choose an increase of 10%, 5% or 2.5% each year.
Click + or - to select the number of years you would like to invest for. My Smarter (ISA) should be considered as an investment for at least 5 and ideally 10 years or more.
Remember, this chart is just to give you an idea of what you might get back. What you get back depends on the rise and fall of the underlying assets and on the tax treatment of the investment which could change over time. You could get more or less than the example figures projected above and the total amount invested. Do not forget that inflation would reduce what you could buy in the future with the amounts shown.
Email this to me
The My Smarter (ISA) could be for you if:
Before applying for your My Smarter (ISA), please download and read these important documents.
You'll now be taken to Scottish Friendly's application form.
Any questions? Call free on 0800 904 7611. Monday to Friday: 8.30am-5.30pm
If you open a My Smarter (ISA) you are entitled to one gift only issued from SunLife. We reserve the right to change or withdraw this gift entitlement, or limit the total number of gifts issued per customer. We also reserve the right to not issue a gift to any customer who has previously held a SunLife product and has subsequently cancelled that product.
For more details on how the With-Profits fund works see the 'How Scottish Friendly invest your money' guide and key features document.
Unlike most other Stocks and Shares ISAs, My Smarter (ISA) has a built in safety net. On specific dates, the money you've paid in so far will be protected from loss, as long as you haven't already made any withdrawals.
The safety net will apply on the 10 year anniversary of your policy's start date and on every 5 year anniversary after that.
Only on these specific dates, Scottish Friendly guarantees that no Market Value Reduction (MVR) will be applied. So as long as you haven't made any withdrawals outside of these dates, you can get back at least what you've paid in.
If you have taken money out of your Stocks and Shares ISA at any other time, Scottish Friendly still guarantee that no Market Value Reduction (MVR) will be applied to the value of your ISA on the dates specified.
However, because you have already taken money out, you can no longer be guaranteed to get back at least what you have paid in.
Over the years your money is invested, inflation will reduce how much you can buy with the money you get out.
Scottish Friendly's guarantee only applies on specific policy anniversaries. To make sure you don't miss out, you'll receive a reminder when an eligible anniversary is approaching.