Stocks & Shares ISAs

Stocks and shares ISAs are a tax-efficient home for your savings. The ISAs listed below allow you to access a range of investments, with many funds graded according to the level of risk involved. In some cases, the funds ‘track’ the performance of a particular stock market index, such as the FTSE 100, so the value of your investment rises and falls in line with the index. Either way, the underlying investment decisions regarding specific company shares are taken by the manager, with no need for you to be involved.

If you would prefer to be more hands-on and pick your own stocks and shares to house within your tax-efficient ISA wrapper, see our Self-select ISAs page

It’s worth bearing in mind that any investment in the stock market, whether managed on your behalf or otherwise, should be seen as a long-term proposition. Many investment specialists recommend investing over a minimum five-year period. If you can’t tie up your money for five or more years, or if you can’t stomach the risk of getting back less than you invest, then a savings account is probably more appropriate for you.

Understand the risks. The value of your investment and the income derived from it can go down as well as up and you may get back less than you originally invested. The tax advantages of ISAs may change in the future and also depend on your individual circumstances.

 

MoneySuperMarket doesn’t offer a comparison service for this type of product but we have compiled a list below of providers who can help

Product information supplied has been provided by each individual brand not MoneySuperMarket

Stocks & Shares ISAs : Ordered A – Z

    • Provider/Product name Trust ISA

      F&C Investments

      Trust ISA

    • Product Details

      Minimum investment:
      • Monthly saving minimum (by direct debit) - £50 per month (per trust).
      • Lump sum investment minimum - £500 (per trust).
      • Maximum investment: £15,240 for 2016/17 tax year.
      Transfer in existing ISAs: Yes, simply complete an F&C Investment Trust ISA transfer form and F&C will take care of the rest.
      Charges/Fees/Costs: F&C's charges and fees are straightforward:
      • Annual account management fee - £60 + VAT (no matter how many F&C ISAs you have)
      • Dealing charge of 0.2% on all sales & purchases (plus Government stamp duty of 0.50% on purchase of UK shares only).
      Account Management: Register, view and manage your account online any time.
      Customer Service Provision:
      UK based team available on 0800 136 420, weekdays, 8.30am – 5.30pm.

    • Go to site

    Your capital is at risk, please be aware the value of your investment can go down as well as up and you may get back less than you invest.

    • Provider/Product name Stocks & Shares ISA

      Fidelity

      Stocks & Shares ISA

    • Product Details

      Minimum Investment: £50 a month, or a £500 lump sum
      Transfer in existing ISAs: Yes – Stocks & Shares ISAs and Cash ISAs. Exit fees charged by former provider/s covered up to a maximum of £500 per customer (min transfer value of £1,000. Terms and conditions apply, see provider site for more details).
      Charges/Fees/Costs: A typical service fee of 0.35%. Ongoing fund charges also apply.
      Account Management: 24/7 online account access
      Customer Service Provision: UK based customer support team on hand to answer your questions

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    Your capital is at risk, please be aware the value of your investment can go down as well as up and you may get back less than you invest.

    • Provider/Product name Stocks & Shares ISA

      Hargreaves Lansdown

      Stocks & Shares ISA

    • Product Details

      Minimum Investment: £100 (lump sum) or £25 per month
      Transfer in existing ISAs: Yes, both Cash ISAs and Stocks & Shares ISAs
      Charges/Fees/Costs: Tiered annual management fee up to 0.45%p.a. reducing the more you hold. Maximum £45 annual charge to hold shares, investment trusts, ETFs and corporate bonds. No charges to buy and sell funds. Low cost reinvestment.
      Account Management: Online, phone, App and by post
      Customer Service Provision: UK based helpdesk able to answer your questions online, over the phone or by post

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    Your capital is at risk, please be aware the value of your investment can go down as well as up and you may get back less than you invest.

    • Provider/Product name Stocks and Shares ISA

      Nutmeg

      Stocks and Shares ISA

    • Product Details

      Minimum Investment: Start with as little as £500 (plus £100 per month for ISAs below £5,000)
      Transfer in existing ISAs: Yes - transfer in as many as you like at any time
      Charges/Fees/Costs: Annual portfolio management fee – 0.3% to 0.95% depending on how much you invest, incl VAT. No tie-ins, no set-up fees, no exit charges
      Account Management: Nutmeg build and fully-manage your stocks & shares ISA portfolio in line with how much risk you want to take. It’s all online, so you can set up your ISA in minutes and check in at any time
      Customer Service Provision: Via built-in secure Nutmail, live chat, or phone to talk to a real person

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    Satisfaction Guarantee

    100% satisfaction with your Nutmeg ISA or your portfolio management fees back in full. Terms apply. Capital at risk

    Your capital is at risk, please be aware the value of your investment can go down as well as up and you may get back less than you invest.

    • Provider/Product name My Fund Select(ISA)

      Scottish Friendly

      My Fund Select(ISA)

    • Product Details

      Minimum Investment: £10 a month
      Transfer in existing ISAs: Yes, transfers go into the My Choice (ISA)
      Charges/Fees/Costs: 1.5% Annual Management Charge, £50 early exit fee if you withdraw within the first 5 years
      Account Management: Manage your account online via the My Plans tool, or by phone, email and post
      Customer Service Provision: Online via the My Plans tool, or by phone, email and post

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    Welcome Gift

    £50 gift card when you start

    Your capital is at risk, please be aware the value of your investment can go down as well as up and you may get back less than you invest.

    • Provider/Product name My Style Select(ISA)

      Scottish Friendly

      My Style Select(ISA)

    • Product Details

      Minimum Investment: Monthly and Lump Sum - £10 a month and £100 lump sum
      Transfer in existing ISAs: Yes, transfers go into the My Choice (ISA)
      Charges/Fees/Costs: 1.5% Annual Management Charge, £50 early exit fee if you withdraw within the first 5 years
      Account Management: Manage your account online via our My Plans tool, or by phone, email and post
      Customer Service Provision: Online via our My Plans tool, or by phone, email and post

    • Go to site

    Welcome Gift

    £50 gift card when you start

    Your capital is at risk, please be aware the value of your investment can go down as well as up and you may get back less than you invest.

    • Provider/Product name Stocks & Shares ISA

      TD Direct Investing

      Stocks & Shares ISA

    • Product Details

      Minimum Investment: From £25 monthly or from £100
      Transfer in existing ISAs: Yes, at no charge
      Charges/Fees/Costs: £0 account fee if you have an ISA balance of £5,100+ or a regular investing facility set up. £30+ VAT per annum for balances under £5,100. Trade from £5.95 in shares and ETFs; no charges to buy and sell funds. Maximum platform fee of 0.30%
      Account Management: Online, mobile & tablet apps and phone. Choose from six funds handpicked by TD experts to get started
      Customer Service Provision: UK based call centre open Mon-Fri 07.30-9.00pm and Saturday 09.00-3pm, plus online help centre and Twitter service from 8am-4.30pm

    • Go to site

    Your capital is at risk, please be aware the value of your investment can go down as well as up and you may get back less than you invest.

    • Provider/Product name Stocks and Shares ISA

      True Potential Investor

      Stocks and Shares ISA

    • Product Details

      Minimum Investment: £50 monthly or initial lump sum, top up from £1
      Transfer in existing ISAs: Yes, free transfers
      Charges/Fees/Costs: Free ISA, 0.40% Platform Fee, Portfolios from 0.75%
      Account Management: Online & Phone
      Customer Service Provision: Email, phone and live chat 8am-8pm weekdays

    • Go to site

    Your capital is at risk, please be aware the value of your investment can go down as well as up and you may get back less than you invest.

    • Provider/Product name Stocks & Shares ISA

      Virgin Money

      Stocks & Shares ISA

    • Product Details

      Minimum Investment: Invest from £1 into Virgin's range of six funds, which give you easy access to different levels of risk and return
      Transfer in existing ISAs: Yes
      Charges/Fees/Costs: Annual ongoing charge of 1% of the value of your fund (1.85% for the Climate Change Fund, plus a performance fee may apply)
      Account Management: Online and phone via Virgin's UK based call centre
      Customer Service Provision: Available via phone 8am to 9pm Monday to Friday, 9am to 6pm Saturday. Not open on bank holidays

    • Go to site

    Your capital is at risk, please be aware the value of your investment can go down as well as up and you may get back less than you invest.

Want your investments to work harder? You can earn a current estimated return of 7.0%* per year with Funding Circle.

Interest rates on traditional savings accounts are deep in the doldrums. But don’t despair – with peer to peer lenders such as Funding Circle, you could earn great return by lending to small businesses in the UK.

It’s a fast-growing market that’s regulated by the Financial Conduct Authority – although it’s outside the Financial Services Compensation Scheme.

So there are risks involved – there’s no guarantee you’ll get your money back.

But if you go in with your eyes open, this could be the savings solution you’ve been looking for…

*The current estimated rate is the average annual gross interest rate accepted on the last 100 loans through the marketplace minus our servicing fee and estimated bad debts in the future. This rate is before any applicable tax. See the full calculation at fundingcircle.com. Rate is updated daily. Rate correct as at 11/07/2016.

    • Provider/Product name Lending

      Funding Circle

      Lending

    • Expected annualised rate after fees and bad debt 7% variable
    • More details

      You lend to… All types of businesses including limited companies, sole traders and partnerships in the UK (Funding Circle grades their credit rating A+ to E)
      When do I earn interest? Typically, once your money is lent out you receive repayments every month (interest and principal)
      Can I withdraw money before term ends? Yes, you can sell some or all of your loan parts to other investors, for a 0.25% charge on each loan part. There may be some circumstances which prevent loan parts from being sold, for example loans that have had their risk bands ‘downgraded’
      Provision fund? Investors can manage their risk by lending to hundreds of different businesses. You receive all income from the borrower upfront rather than any being allocated into a provision fund for when, and if, a bad debt occurs
      Minimum Investment: From £20 with no maximum

    • Go to site

    Great for
    You can choose each and every individual business you would like to invest in
    If you would like more of a hassle-free solution, you can pre-select the businesses you want to lend to and the rate you're happy to earn and let the Autobid invest for you
    But be aware that
    1% annual fee applies on the money you have lent
    There is no provision fund within the Funding Circle platform and is operated similar to an investment - the higher the risk band, the higher rates apply - but remember these are the riskier business
    Your savings are not protected by the FSCS compensation scheme

    Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment as it is not protected by the Financial Services Compensation Scheme, although many lenders do offer their own compensation packages.  Please first read our peer-to-peer guide below to see if this product is right for you.

Are you an existing Cofunds customer? You can login to your Cofunds account here to access investments you previously made via MoneySuperMarket.com

Stocks and shares ISAs explained

Interest rates on cash ISAs are extremely low, so it’s perhaps not surprising that many people are thinking of putting money into a stocks and shares ISA. ISA rules changed in July 2014 and again in April 2016, meaning there is now greater flexibility on investments and transfers.

Annual allowance

In the 2016/2017 tax year, you can invest up to £15,240 into an ISA. This can be invested in cash or stocks and shares, or a combination of both.

Range of assets

A stocks and shares ISA offers the potential for higher returns than a cash deposit and you can invest in a broad range of assets including shares, bonds, commercial property and commodities. But stocks and shares ISAs are riskier than cash plans. If the stock market crashes or the property market implodes, you could lose all your money, including your original stake. 

Some ISAs are riskier than others: an investment in emerging markets is likely to be more volatile than government gilts. You should therefore pick a scheme that reflects your appetite for risk. 

And don’t forget that a stocks and shares ISA is a long-term investment of, ideally, at least five years. This period of time should hopefully enable you to ride out the ups and downs of the market.

Self-select ISAs

Most people opt for an ISA run by an experienced manager, but others prefer to take control of their investments with a self-select ISA. It’s worth bearing in mind, however, that self-select ISAs are really only suitable for experienced investors with a full awareness of and stomach for the risks involved. 

Tax shelter

The big advantage of a stocks and shares ISA is, of course, the shelter from capital gains tax (CGT). You would normally pay CGT on any profits above £11,100 a year when you sell, but assets in an ISA are free from CGT. 

Dividend tax

Since the start of the new tax year on April 6, 2016, all taxpayers now have an annual tax-free dividend allowance of £5,000. Only dividend income above this allowance is taxed at new, higher rates.

The introduction of this new allowance means that investment ISAs may look less attractive if you have dividend income below £5,000. But bear in mind that your dividend income may rise above this limit over time, and profits on investments held outside an ISA are potentially liable for CGT.

ISA charges

Watch out for charges on stocks and shares ISAs. Some funds levy an initial fee of up to 5%, plus an annual management charge of around 1%, which can eat into investment returns. You might also have to pay an adviser’s fees on top. But if you don’t need advice, you can probably buy your funds cheaper though a discount broker or a fund supermarket.

Compensation scheme

The Financial Services Compensation Scheme covers ISA investments up to £50,000 if your ISA manager should go bust. But remember, the FSCS does not compensate for poor performance. Cash ISAs are protected up to £75,000 by the FSCS.

How it works

 We want to show Stocks and Shares ISAs from as many providers on the market, so that you can find the best option for you. We can't promise to have Stocks and Shares ISAs from every single provider, because some don't want to be included on comparison websites. We list these Stocks and Shares ISAs alphabetically from A to Z. You can find out more about how we work here.

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