• Calculate how much your ISA could grow

    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.

    You can invest up to £20,000 in the current tax year, less any amount you save in a Cash ISA.
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    Enter the amount you'd like to invest as a regular monthly payment, lump sum or both.

    Minimum £100
    £
    Minimum £10
    £
    You can choose to start, stop or change your monthly payments, including the annual rate of increase, at any time.
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    You can choose to automatically increase your payments by 10%, 5% or 2.5% each year. Please select 0% to decline this option

    See how much your monthly payment would be increased each year

    To help you decide, this table shows your monthly payments if you choose an increase of 10%, 5% or 2.5% each year.

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    10% 5% 2.5% 0%
    1st Year £0 £0 £0 £0
    2nd Year £0 £0 £0 £0
    3rd Year £0 £0 £0 £0
    4th Year £0 £0 £0 £0
    5th Year £0 £0 £0 £0
    For the best growth potential, you should expect to leave your money invested for at least 5 years and ideally 10 years or more.
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    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.

    -
    +

    Projected return after 5 years
    Lower
    Growth
    This is the projected return that you could get if the investment conditions generate lower growth of 2% in the With- Profits fund.
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    Medium
    Growth
    This is the projected return that you could get if the investment conditions generate medium growth of 5% in the With- Profits fund.
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    High
    Growth
    This is the projected return that you could get if the investment conditions generate higher growth of 8% in the With- Profits fund.
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    £5,000 £4,000 £3,000 £2,000 £1,000 £0
    £0
    £0
    £0

    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.

    Please note that a Market Value Reduction may apply when you cash in your policy. This is designed to ensure that the amount you receive is in line with the value had you invested directly in the assets backing your policy. The annual rates of growth assumed for the projection have been based on Scottish Friendly's reasonable estimate of potential returns. They are subject to the assumed maximum rates specified by the Financial Conduct Authority. All the figures include the deduction of the actual charges on the policy. These charges may vary in the future.

    To help you keep track of how your My Smarter (ISA) is doing, Scottish Friendly send you a statement twice a year showing the current value of your investment.

    What would you like to do next?

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