A little nutty. Entirely fictional. No real banking here ↗
AcornBank.

Investments · Products · FROM THE ACORNBANK FOREST

Evergreen Stocks & Shares ISA — Overview

The investment account inside a fictional ISA wrapper. Contributions are capped by a demo annual allowance of £20,000, and the model applies no tax to growth or withdrawals.

A sapling growing from a pot of coins.
A fictional bank, a real sense of humour. All people, places, products and figures are invented. No real banking or financial advice. About this demo.

Demo rate card0.45% total annual charge; growth not guaranteed, illustrated at 2%, 5%, 8%

The pound values and percentages on this page are invented AcornBank product terms, chosen for a realistic bank-style example. They are not current market offers, an invitation to deposit or invest money or a forecast of what a real bank will pay.

Product detailDemo terms
Account typeStocks and shares ISA
Rate, reward or charge0.45% total annual charge; growth not guaranteed, illustrated at 2%, 5%, 8%
Minimum / demo annual allowance£100.00 to £20,000.00 per demo tax year
AccessWithdraw at any time; money taken out cannot be replaced in the same demo tax year; the value can fall as well as rise
Eligibility in the scenarioAn adult story customer with this year’s fictional £20,000 ISA allowance unused
Fees0.45% of the value each year
Growth scenarios2%, 5%, 8% a year after charges; the value can also fall
CurrencyGBP (£), used solely for fictional calculations

Try your own numbers

Change the amounts to see what Evergreen Stocks & Shares ISA would do in the story. Fictional figures, no application, no advice.

Mid scenario after 10 years (5%)£45,888.15£34,000.00 paid in; growth after a 0.45% charge
Low scenario (2%)
£37,623.45
High scenario (8%)
£56,116.25
Could it be less than paid in?
YesInvestments can fall in value; the scenarios are illustrations, not forecasts.

Evergreen Stocks & Shares ISA against the rest of investments

FeatureGolden Tail Retirement3.90% AER · VARIABLECanopy Investment Account0.45% CHARGE · GROWTH NOT GUARANTEEDEvergreen Stocks & Shares ISA£20,000 ISA ALLOWANCE · 0.45% CHARGETall Oak SIPP20% TAX RELIEF · 0.50% CHARGE
TypeLater-life cash savingsGeneral investment accountStocks and shares ISASelf-invested personal pension
Rate, reward or charge3.90% AER / gross p.a. (variable)0.45% total annual charge; growth not guaranteed, illustrated at 2%, 5%, 8%0.45% total annual charge; growth not guaranteed, illustrated at 2%, 5%, 8%0.50% total annual charge; 20% demo tax relief on contributions; growth not guaranteed
Value can fall No Yes Yes Yes
Tax-free wrapper No No Yes No
Tax relief on contributions No No No Yes
Annual chargeNone0.45%0.45%0.50%
Minimum£500.00£100.00£100.00£25.00

Evergreen Stocks & Shares ISA in charts

The same fictional model as the tables below, drawn rather than written. Hover or focus a mark for its value, or open the table view.

Projected value over 20 years£10,000 plus £200 a month invested, after a 0.45% annual charge
  • Low growth 2%
  • Mid growth 5%
  • High growth 8%
  • Paid in
£0£50,000£100,000£150,000£200,000StartY3Y6Y9Y12Y15Y18Y20Start · Low growth 2%: £10,000Y1 · Low growth 2%: £12,575Y2 · Low growth 2%: £15,190Y3 · Low growth 2%: £17,846Y4 · Low growth 2%: £20,542Y5 · Low growth 2%: £23,281Y6 · Low growth 2%: £26,062Y7 · Low growth 2%: £28,886Y8 · Low growth 2%: £31,754Y9 · Low growth 2%: £34,666Y10 · Low growth 2%: £37,623Y11 · Low growth 2%: £40,627Y12 · Low growth 2%: £43,677Y13 · Low growth 2%: £46,774Y14 · Low growth 2%: £49,919Y15 · Low growth 2%: £53,113Y16 · Low growth 2%: £56,356Y17 · Low growth 2%: £59,650Y18 · Low growth 2%: £62,994Y19 · Low growth 2%: £66,391Y20 · Low growth 2%: £69,840£69,840Start · Mid growth 5%: £10,000Y1 · Mid growth 5%: £12,914Y2 · Mid growth 5%: £15,960Y3 · Mid growth 5%: £19,145Y4 · Mid growth 5%: £22,475Y5 · Mid growth 5%: £25,956Y6 · Mid growth 5%: £29,596Y7 · Mid growth 5%: £33,401Y8 · Mid growth 5%: £37,380Y9 · Mid growth 5%: £41,539Y10 · Mid growth 5%: £45,888Y11 · Mid growth 5%: £50,435Y12 · Mid growth 5%: £55,188Y13 · Mid growth 5%: £60,158Y14 · Mid growth 5%: £65,354Y15 · Mid growth 5%: £70,786Y16 · Mid growth 5%: £76,466Y17 · Mid growth 5%: £82,404Y18 · Mid growth 5%: £88,612Y19 · Mid growth 5%: £95,103Y20 · Mid growth 5%: £101,889£101,889Start · High growth 8%: £10,000Y1 · High growth 8%: £13,252Y2 · High growth 8%: £16,750Y3 · High growth 8%: £20,511Y4 · High growth 8%: £24,557Y5 · High growth 8%: £28,908Y6 · High growth 8%: £33,588Y7 · High growth 8%: £38,621Y8 · High growth 8%: £44,034Y9 · High growth 8%: £49,855Y10 · High growth 8%: £56,116Y11 · High growth 8%: £62,850Y12 · High growth 8%: £70,092Y13 · High growth 8%: £77,881Y14 · High growth 8%: £86,258Y15 · High growth 8%: £95,268Y16 · High growth 8%: £104,958Y17 · High growth 8%: £115,379Y18 · High growth 8%: £126,587Y19 · High growth 8%: £138,642Y20 · High growth 8%: £151,606£151,606Start · Paid in: £10,000Y1 · Paid in: £12,400Y2 · Paid in: £14,800Y3 · Paid in: £17,200Y4 · Paid in: £19,600Y5 · Paid in: £22,000Y6 · Paid in: £24,400Y7 · Paid in: £26,800Y8 · Paid in: £29,200Y9 · Paid in: £31,600Y10 · Paid in: £34,000Y11 · Paid in: £36,400Y12 · Paid in: £38,800Y13 · Paid in: £41,200Y14 · Paid in: £43,600Y15 · Paid in: £46,000Y16 · Paid in: £48,400Y17 · Paid in: £50,800Y18 · Paid in: £53,200Y19 · Paid in: £55,600Y20 · Paid in: £58,000£58,000

Three illustrative growth scenarios; investments can fall in value and end below the amount paid in.

View as a table
PointLow growth 2%Mid growth 5%High growth 8%Paid in
Start£10,000£10,000£10,000£10,000
Y1£12,575£12,914£13,252£12,400
Y2£15,190£15,960£16,750£14,800
Y3£17,846£19,145£20,511£17,200
Y4£20,542£22,475£24,557£19,600
Y5£23,281£25,956£28,908£22,000
Y6£26,062£29,596£33,588£24,400
Y7£28,886£33,401£38,621£26,800
Y8£31,754£37,380£44,034£29,200
Y9£34,666£41,539£49,855£31,600
Y10£37,623£45,888£56,116£34,000
Y11£40,627£50,435£62,850£36,400
Y12£43,677£55,188£70,092£38,800
Y13£46,774£60,158£77,881£41,200
Y14£49,919£65,354£86,258£43,600
Y15£53,113£70,786£95,268£46,000
Y16£56,356£76,466£104,958£48,400
Y17£59,650£82,404£115,379£50,800
Y18£62,994£88,612£126,587£53,200
Y19£66,391£95,103£138,642£55,600
Y20£69,840£101,889£151,606£58,000
What the annual charge costs over 20 years at 5% growthSame contributions, different charge
£0£50,000£100,000£150,0000.45% (this product) · Value: £101,889£101,8890.45% (thisproduct)1.00% (dearer platform) · Value: £94,918£94,9181.00% (dearerplatform)

Charges are modelled as a deduction from the growth rate, the usual illustration shortcut.

View as a table
CategoryValue
0.45% (this product)£101,889
1.00% (dearer platform)£94,918

Projected value of £10,000.00 plus £200.00 a month

PeriodTotal paid inLow growth 2%Mid growth 5%High growth 8%
5 years£22,000.00£23,280.89£25,956.20£28,908.08
10 years£34,000.00£37,623.45£45,888.15£56,116.25
20 years£58,000.00£69,839.87£101,888.58£151,606.31

Projection assumptions: the lump sum is invested on day one and each monthly amount at the start of the month; growth is applied monthly after a 0.45% annual charge, which the model deducts from the growth rate; no withdrawals, no inflation and no tax inside the wrapper. The three growth rates are illustrations, not forecasts. Investments can fall as well as rise, and the value can drop below the amount paid in.

What charges cost over 20 years at 5% growth

Annual chargeValue after 20 yearsDifference
0.45% (this product)£101,888.58£0.00
1.00% (a dearer fictional platform)£94,917.80£-6,970.78

Using the demo ISA allowance

New money in the demo tax yearAllowance usedAllowance remaining
£10,000.00 lump sum£10,000.00£10,000.00
£200.00 a month for 12 months£2,400.00£17,600.00
£10,000.00 lump sum plus £200.00 a month£12,400.00£7,600.00

The demo allowance is shared with any cash ISA in the story. Growth and withdrawals are untaxed in the model; money withdrawn cannot be replaced in the same tax year.

Top questions about Evergreen Stocks & Shares ISA

What is Evergreen Stocks & Shares ISA for?

The investment account inside a fictional ISA wrapper. Contributions are capped by a demo annual allowance of £20,000, and the model applies no tax to growth or withdrawals. Its story purpose is long-term growth inside a demo tax-free wrapper. Everything on this site is fictional; nothing can be applied for.

Evergreen Stocks & Shares ISA overview Link to this answer

Can Evergreen Stocks & Shares ISA fall in value?

Yes. It holds a fictional fund that moves every day, so the pages show low, mid and high growth scenarios after charges. The value can end below what was paid in.

Rates and returns Link to this answer

All Evergreen Stocks & Shares ISA FAQs

Evergreen Stocks & Shares ISA is stocks and shares isa in the Investments range, used for long-term growth inside a demo tax-free wrapper. Its live rate card, summary and worked tables sit above this text and update whenever the product record changes.

Meet your next imaginary account

The purpose of Evergreen Stocks & Shares ISA is long-term growth inside a demo tax-free wrapper. Start with the access rules, then compare the cost or return with your story’s timescale. A higher headline figure does not make a locked account suitable for an immediate bill, and a reward percentage is not the same as an interest rate.

The fictional fund

Every investment product in the story holds one made-up fund, the AcornBank Woodland Balanced Fund, which owns imaginary shares in imaginary trees. It has no factsheet, no past performance and no manager, which is at least consistent. Real investing involves real risk and real research; this page involves neither.

See the whole Investments range or compare every product on the rates page.

What the example does not promise

All figures are invented and shown to make the demo useful to read and crawl. No money is held, no application is available, and no deposit-protection, regulatory or tax-wrapper status is claimed. Calculations do not account for personal tax, inflation or unstated changes in rates. The fictional bank manager can guarantee only that the next paragraph contains no real acorns.

AcornBank: entirely fictional banking, exceptionally committed squirrels.