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View ISAs at a glance with details such as minimum investment and any fees
See options from our panel of leading providers, so you can easily compare
When you’ve made your decision simply click through to open your account online
A stocks and shares ISA is a tax-free investment where your money is invested in the stock market through funds, bonds or shares in individual companies. You can only open one stocks and shares ISA each tax year.
It is different to a cash ISA, which is also tax free but pays interest on your savings.
You can save up to £20,000 each tax year in a stocks and shares ISA. While there is the potential to make good returns, your investment can also fall in value (so you could end up with less than you put in). It’s why it’s often recommended you should invest for the long term to ride out any bumps.
There are different types of stocks and shares ISA to suit different needs.
You choose exactly which stocks or investment funds you want to buy and sell, and manage your own portfolio. Can be good for experienced investors. Take into account the charges, such as fund charges, trading charges and exit fees.
The ISA provider manages your investment at a risk level that you choose. You will usually pay more for this service because the fund advisers are doing the work for you. There are various service levels from investment advisers to robo-advisers.
A stocks and shares ISA is a tax-free wrapper that can be put around a wide range of different investment products or assets, such as:
Where you purchase a small slice of a single company and look to make a return as the company’s value rises
A form of collective investment. The pooled money is invested in a portfolio of assets. An investment trust has a fixed number of shares
An investment fund traded on stock exchanges. ETFs tend to track particular markets or indices and can often be low cost investments
You lend money to the government or a corporation when you invest in a bond with the promise that it will be repaid with interest when the bond matures
Weigh up the pros and cons of investing in a stocks and shares ISA...
You investment ISA has the potential to grow faster than a cash ISA over time
You’ll have the choice of managing your own portfolio or having it managed on your behalf
Invest in companies or areas you believe will grow or have the right social and ethical values
Investing is not without risk and your Isa could go down as well as up in value
Management fees can be high and eat into your profits
Likely not to be suitable for short term investors because of market volatility
When selecting the right investment ISA for your needs there are a range of things to consider, including:
Different investment ISAs can offer different levels of risk – or the option for you to choose your own underlying assets. Make sure you’re comfortable with where your money is being invested and you fully understand the risks.
Decide how hands-on or off you want to be with your stocks and shares ISA. Using a professional adviser or investment platform will come with additional fees, but you might benefit from their investment expertise
Check what you’ll be paying in upfront fees, plus any ongoing management charges. If you’re looking to transfer an existing stocks and shares ISA into your new account, consider the transfer fees. There might also be a time lag involved.
Find out how the provider will interact with you and how and when they’ll be available should you need to contact them. See what others think of the providers by checking out online reviews of their services
Tax-free stocks and shares ISAs are governed by a number of rules. These include:
Just click the button below to see a list of all our stocks and shares ISA accounts
View accounts from leading UK stocks and shares ISA providers and compare fees and minimum investment
When you find the stocks and shares ISA you want, click straight to the provider to apply