1. Home
  2. Our products
  3. Our Stocks and Shares ISA

Enhance your employee benefits package

Help your employees take steps towards building their financial resilience, plan more effectively and save for their future.

When you choose a Royal London workplace pension scheme, our tax-efficient Stocks and Shares ISA comes alongside it. An added option for your benefits package.

Benefits for you and your business

In addition to helping build your employees' financial resilience, our Stocks and Shares ISA offers a number of benefits for you too.

Attract and retain a strong workforce

A high-quality benefits package, with a stocks and shares ISA as part of it, could help to attract and retain a strong workforce.

No additional employer charges

There's no additional cost to you for adding the Stocks and Shares ISA to your benefits package - it comes alongside your workplace pension scheme.

No added administration for you

Your employees can apply for and manage their Stocks and Shares ISA themselves, through our mobile app or online service (opens in a new window).

Introducing our Stocks and Shares ISA

"Give your employees a second investment option alongside their workplace pension, so they can build towards the financial goals they’re planning for - whether that’s retirement or other important life events."

Rory Marsh, Workplace Pension Director

At Royal London, we're committed to building the financial resilience of our customers and supporting you in making a difference for your employees.

That’s why we’ve introduced the Royal London Stocks and Shares ISA. Designed to give your employees a second investment option alongside their workplace pension, so they can build towards the financial goals they’re planning for -  whether that’s retirement or other important life events along the way.

Our ISA offers the same familiar range of investment options as your employee’s workplace pension, and the same competitive annual management charge when they invest in our expertly managed options. The ready-made options available in our Governed Range may be ideal for employees who may be new to investing, where-as the wider range of self-select funds may appeal to more experienced or confident investors.

Just like their workplace pension, your employees’ Royal London ISA will be eligible for ProfitShare. So when we do well, we’ll aim to boost their investments by giving back some of the profits we make.

And the best bit? Our Stocks and Shares ISA comes alongside your workplace pension scheme so you can enhance your benefits package at no extra cost to you. As your employees apply for and manage their ISA direct through our mobile app and online service, there’s no added admin for you either.

If you already have a workplace pension scheme with us, you can tell your employees about the Royal London Stocks and Shares ISA and how to apply, by downloading the ready-made engagement materials from the Communications Toolkit on employer.royallondon.com.

And if you don’t, we’re here to help you build the financial resilience of your workforce. Ask your financial adviser about Royal London workplace pension and Stocks and Shares ISA.

Thank you for choosing Royal London.

Features and benefits for your employees

Our Stocks and Shares ISA gives employees an additional savings and investment option to help them save for their medium to long-term goals.

  • One clear, competitive charge

    Employees get the same competitive annual management charge as their workplace pension when they invest in our expertly managed Royal London options. If they choose to invest in any externally managed funds, this charge may vary.

  • Easy application

    Employees can apply for the Stocks and Shares ISA through our mobile app and online service.

  • Control and flexibility

    Having all of their investments in one place can help your employees to effectively manage their savings and investments.

  • 101% death benefit

    If an employee dies, the value of any investments in their Stocks and Shares ISA, plus an additional 1%, will be paid to their estate.

  • ProfitShare

    Qualifying employees’ Stocks and Shares ISA savings will get an added boost from ProfitShare when we do well. Just like their workplace pension.

  • Straightforward transfers

    It's easy for employees to transfer existing ISAs into their Stocks and Shares ISA. We won't charge them to do this.

  • Financial wellbeing support service

    Our financial wellbeing service is available for as long as employees have their workplace pension or Stocks and Shares ISA with us – even if they leave your employment.

  • Support and guidance

    Our UK-based customer service teams are on hand to support your employees and answer any questions.

Tell your employees about our Stocks and Shares ISA

Our ready-to-use engagement materials make it easy to tell your employees about our Stocks and Shares ISA.

Access the toolkit  

More about our Stocks and Shares ISA

Want to offer the Royal London ISA as part of your benefits package?

We've got you covered - whether you have an existing workplace pension with us, or are looking to switch to us, or set one up with us.

Learn more about stocks and shares ISAs

Want to know more about stocks and shares ISAs? Here you’ll find answers to the most frequently asked questions.

A stocks and shares ISA is an individual savings account that lets your employees invest their money in things like stocks and shares, bonds and property, generally through funds.

They can have more than one ISA as long as they don't invest more than the ISA allowance in any one tax year.

The total ISA allowance for the 2025/26 tax year is £20,000. This could change in future.

Your employees can spread their allowance across different ISA types to suit their savings goals.

To open a stocks and shares ISA, your employees must be at least 18 years old and a UK resident for tax purposes. They can also open one if they're a Crown employee, or the spouse or civil partner of one, and are working overseas.

Yes, they can transfer all or part of an existing ISA to their Royal London Stocks and Shares ISA. We won't charge them to do this.

Related articles