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Fund Supermarket ISAs /

Commodity Fund ISAs

Commodity funds provide an exciting opportunity for investors to diversify their portfolio away from traditional asset classes such as shares and bonds. However, investors need to be prepared to take a long term perspective and ride out volatility in the market.
Selected ISAs

Fully Managed Stocks and Shares ISA

from Nutmeg

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: Fully Managed and Fixed Allocation Portfolios
  • Invest From: Min. £500 single (+ £100 pm for ISAs below £5,000)

Why we like it: Get an intelligent stocks & shares ISA portfolio, easy, online set up in minutes. Capital at risk.

Stocks & Shares ISA

from Virgin Money

ISA Option
Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: Choice of six funds
  • Invest From: £1
  • Investment Options: Lump sums, regular savings and ISA transfers

Why we like it: Choice of five passively managed Funds give you easy access to different levels of risk and return. No need to spend time managing individual investments, it’s all done for you. Virgin Money’s passively managed Funds have an annual ongoing charge of 1%. Virgin Money also offers the Climate Change Fund. This only invests your money in hand-picked companies with strong environmental credentials. As it is more expensive to run, this Fund has a higher annual ongoing charge of 1.3%.
Remember, you may get back less than you invest. 

Investment Fund Supermarket ISAs

Vantage Stocks & Shares ISA

from Hargreaves Lansdown

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 2,500+ Funds
  • Invest From: £25 pm

Why we like it: Shelter up to £20,000 this tax year with the low cost, award-winning ISA. The UK's number 1 platform for private investors. 

Investment Fund ISA

from AJ Bell

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 2000+ Funds
  • Invest From: £25 pm

Why we like it: It is simple to invest in a fund online. You will need to open an account first and then choose the fund you are interested in investing in. There are over 2,000 funds to choose from but to make it easier for you AJ Bell have created their favourite funds list which is their pick of the best funds.

Stocks & Shares ISA

from Charles Stanley

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 1,500+ funds
  • Invest From: £50 per month or £500 single

Invest through an award winning FTSE company, with extensive research and analysis and competitive charges. Choose from a range of investments including shares, funds, gilts, bonds, investment trusts and ETFs.

What are commodity fund ISAs?

Commodity fund ISAs invest in commodities and natural resources. The term 'commodities' covers a huge range of goods and materials including fuels, staple foods, and precious metals.

Different types of commodity fund ISAs include:

  • Funds that invest directly in commodities, such as precious metals or natural resources. These are 'true' commodity funds, in that they are direct investments in the commodity itself.
  • Funds that invest in commodity-linked derivatives. This is a common investment strategy within the commodities market as it allows investors a rate of return that's linked to the future market performance of their chosen commodities.
  • Funds that target shares in commodity-related companies, such as agriculture, energy, or mining companies. These investment products are also known as natural resource funds, and focus on companies operating in the commodities market, rather than on the commodities themselves. Investments may be made in industries such as mining, agriculture, oil, and energy.
  • Funds that invest in a combination of the above. Some fund management plans allow you to invest in commodities and commodity-linked derivatives. So, you could invest in a fund that encompassed both gold bullion and gold futures.

What are the benefits of investing in commodity fund ISAs?

  • They ISA wrapper is tax-efficient. By investing in a commodity fund ISA, you benefit from not paying capital gains or income tax on any potential returns.
  • Commodities offer an opportunity to diversify your investment holdings away from traditional plans such as shares and bonds. Having a diverse portfolio can help to cushion your investments against any falls in particular areas because it allows you to avoid putting all your eggs in one basket.
  • Although the risks are high, the returns have the potential to be similarly high. This may be linked to the recent emergence of new economic powerhouses such as China and Indonesia, which require a lot in the way of resources to support their rapidly-developing commerce and infrastructure.

What do investors need to be aware of when considering commodity fund ISAs?

  • Commodities investments require you to be comfortable with risk, as well as prepared to take a long-term approach to reaching your financial goals.
  • Some funds place limits on the percentage of the portfolio that can be invested in a single commodity, in order to avoid too much focus on a single investment area.
  • There may be charges involved in transferring current ISA balances to a commodities fund ISA, so check with your chosen provider.
  • The commodities market is notoriously volatile and is high risk investment area. It's therefore generally better suited to experienced investors. As with all investments, if you're unsure, seek independent financial advice.
Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

High Income ISAs

High income ISA ideas:

ISAs Products

Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

How To Select The Best Junior Stocks & Shares ISA

15th February 2018

An ISA is an individual savings account that offers the chance for individuals to earn up to £20,000 tax-free interest.Not only can those who subscribe to an ISA benefit from tax-free interest from savings, but also enjoy the freedom to invest from their ISA and avoid paying tax on their returns.

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