Evergreen Stocks & Shares ISA — Frequently Asked Squeaks

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.

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.

0.45% total annual charge; growth not guaranteed, illustrated at 2%, 5%, 8%. The charge is modelled as a deduction from growth.

Minimum / demo annual allowance: £100.00 to £20,000.00 per demo tax year. The allowance is shared with any cash ISA in the story.

Withdraw at any time; money taken out cannot be replaced in the same demo tax year; the value can fall as well as rise.

Yes. The three fictional investment products hold a made-up fund whose value moves every day, so the pages show low, mid and high growth scenarios after charges rather than a promise. The value can end below the amount paid in.

They hold the same fictional fund; the wrapper differs. The general account has no allowance and no relief. The stocks and shares ISA caps new money at a demo £20,000 a year and applies no tax to growth. The SIPP adds demo tax relief but locks the pot until age 57.

A total annual charge of 0.45% on the account and the ISA and 0.50% on the SIPP, modelled as a deduction from growth. Each product page shows what a 1.00% charge would cost instead.

Every £80 paid in becomes £100 with demo basic-rate relief. Higher-rate relief, employer contributions and allowance tapers are not modelled.

No. It is a cash savings pot with a variable rate that sits in the investments range because of its purpose. It has no growth scenarios and its value cannot fall.