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 detail | Demo terms |
|---|---|
| Account type | Stocks and shares ISA |
| Rate, reward or charge | 0.45% 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 |
| Access | Withdraw 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 scenario | An adult story customer with this year’s fictional £20,000 ISA allowance unused |
| Fees | 0.45% of the value each year |
| Growth scenarios | 2%, 5%, 8% a year after charges; the value can also fall |
| Currency | GBP (£), 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.
- 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 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.
Know which amount the limit describes
For Evergreen Stocks & Shares ISA, the range is £100.00 to £20,000.00 per demo tax year. For a savings product it is the opening and maximum principal; for an ISA it is the demo annual allowance; for a card or overdraft it is an assumed credit limit; for the mortgage it is an advance range; and for investments it is the minimum lump sum and any allowance. An interest credit may take savings just above the stated principal cap; further deposits then pause.
Before you increase the balance
| Check | Why it matters |
|---|---|
| Minimum | Amounts below the model minimum do not qualify for this product scenario. |
| Maximum or allowance | Projection examples stay within the stated principal cap or demo allowance. |
| Already at the cap? | Assume no further additions; accrued interest or growth is still credited. |
| Credit limit | Available borrowing is a limit less debt already used, not income or savings. |
The worked examples show the product-specific calculations and timing assumptions in full.
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.
Related reading
- This Is a Fictional Bank — No Real Banking Here
- Site Map — Every Branch of AcornBank
- Rates — Savings, Borrowing and Rewards
- Help — Unruffle Your Tail
- Investments — Longer Afternoons, Later Acorns
- Evergreen Stocks & Shares ISA — Imaginary Fees and Other Chestnuts
- Evergreen Stocks & Shares ISA — Worked Woodland Examples
AcornBank: entirely fictional banking, exceptionally committed squirrels.