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Fund Supermarket ISAs

Low cost and great choice for your ISA
Compare fund supermarket options for your ISA. A fund supermarket ISA provides you with a range of investment options for income and growth. You can save on initial and ongoing charges, and keep track of your investments online.
Investment Income Plan ISAs

FTSE 100 Enhanced Income Plan

from Investec

Allow ISA Transfers
Annual Income 4.56% fixed income
  • Counterparty: Investec Bank plc
  • Term: 5 years

Why we like it: Fixed income, fixed term, monthly payments and your capital back unless the FTSE falls by more than 50%. By offering a high fixed income rather than a variable income based on the performance of the stock market, this plans offers something different to income seekers.

  • 4.56% income paid regardless of the performance of the FTSE 100
  • Monthly income
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies for this plan
  • Product designed to be held for the full term

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

FTSE Monthly Income Plan

from Focus

Allow ISA Transfers
Annual Income 4.00% fixed income
  • Counterparty: Credit Suisse AG
  • Term: 6 Years

Why we like it: Fixed income, fixed term, monthly payments and your capital back unless the FTSE falls by more than 40%. By offering a high fixed income rather than a variable income based on the performance of the stock market, this plans offers something different to income seekers.

  • 4.00% income paid regardless of the performance of the FTSE 100
  • Monthly income
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index falls by more than 40% from opening level at maturity, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £5,000
  • An arrangement fee applies for this plan
  • Product designed to be held for the full term

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

FTSE Monthly Contingent Income Plan

from Meteor

Allow ISA Transfers
Annual Income Up to 7.01%
  • Counterparty: Natixis
  • Term: Up to 10 Years
  • Potential monthly income: 0.584% (equivalent to 7.008% annually)
  • Income paid even if FTSE 100 falls by 20%
  • Potential to kick out quarterly from year 2 onwards
  • Available for ISA, ISA transfers and direct investments
  • Capital is at risk if the FTSE 100 Index falls by more than 40% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £5000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Annual Income Plan

from Mariana

Allow ISA Transfers
Annual Income Potential 6.50%
  • Counterparty: Natixis
  • Term: Maximum 7 years
  • Income paid even if FTSE 100 falls by up to 20%
  • Annual payments
  • Plan has the potential to kick out early every year from the end of year 3 onwards
  • Minimum investment £10,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Investment Growth Plan ISAs

FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 10.25% per annum
  • Counterparty: Investec Bank plc
  • Term: Up to 6 years

Why we like it: Kick out plans seem to attract particular interest when the market is at historically high levels since they can provide competitive returns even if the FTSE stays relatively flat with the potential for 10% annual growth.

  • 10.25% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging)
  • Potential to mature early, from year 1 onwards
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • Product designed to be held for the full term

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Selected ISAs

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. 

Fully Managed Stocks and Shares ISA

from Nutmeg

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

Why we like it: Get an intelligent stocks & shares ISA portfolio - Choose a portfolio that’s fully managed by our expert team, or one designed to remain steady and rebalance automatically. No tie-ins, no set-up fees, no exit charges. Easy, online set up in minutes. Start with as little as £500 (plus £100 per month for ISAs below £5,000). Simple fee structures – 0.25% to 0.75% depending on how much you invest, incl VAT. Plus, live chat, amazing customer support and brilliant investor tools and guides. Regulated by the FCA and protected by the FSCS. Capital at risk.

Investment Fund Supermarket ISAs

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

Why we like it: 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.

Share Dealing ISAs

Vantage Stocks & Shares ISA

from Hargreaves Lansdown

  • Trade From (frequent trader rate): £5.95
  • Trade From (standard trader rate): £11.95

Why we like it: Online trading charges based on previous month's activity. 20+ trades made in previous month is £5.95 a trade. 10-19 trades are £8.95 a trade. Less than 10 trades it’s £11.95.

Peer to Peer Lending ISAs

Peer to Peer IFISA

from Lending Crowd

ISA Option
Allows ISA Transfers
Interest Rate 6.00% target return
  • Term: No Fixed Term
  • Invest From: £1000

Why we like it: Innovative Finance ISAs (IFISA) are the new way to invest tax-free. Just like Cash and Stocks & Shares ISAs, you can invest up to £20,000 each tax year, and you don’t need to pay any personal taxes on your earnings. Lending Crowd will automatically diversify your funds across at least 20 loans through their Loan Market, with no more than 5% of your funds invested in any one loan. All repayments will be automatically reinvested.

  • No income tax or capital gains tax to pay on your profits
  • No fixed term, hold for as long as you wish
  • Also accepts ISA transfers from previous year's ISA's
  • Investments are automatically diversified across multiple business loans
  • The target rate is variable, net of ongoing management fees, estimated bad debt and before the 1% withdrawal fee
  • Capital is at risk
  • Must be aged 18 or older
  • Peer to peer lending is not covered by the FSCS

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)
Selected ISAs

My Select ISA

from Scottish Friendly

ISA Option
Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Choice of Scottish Friendly Funds
  • Invest From: £10 per month

Why we like it: Invest from only £10 a month, lump sums from just £100 or a combination of both using your tax-free Investment ISA allowance. Once you have set up My Select (ISA), you can stop, restart, raise or lower your payments or your investments and cash in whenever you want. Your money will be invested in a My Select policy within a Scottish Friendly ISA which will then invest in a choice of funds from Scottish Friendly including stock market and bond funds.

Using Our Fund Supermarket

Finding the right fund service can be daunting. There are many things other than price to consider. It can range from, whether your chosen broker have the investment options you require to finding a broker that will also provide advice and support when choosing funds. Some providers are more flexible than others. Additionally, keep an eye out for account fees, high currency conversion costs or commission rates.

What do we Offer?

Our Fund Supermarket Service operates in conjunction with Cofunds, is one of the UK’s most popular investment platforms. Cofunds is wholly owned by Legal & General, following their acquisition of the platform in 2013.

Legal & General Group plc, commonly known as Legal & General, is a British multinational financial services company headquartered in London, United Kingdom. Its products include life insurance, general insurance, pensions and investments

We offer a carefully designed a range of funds to choose from, which include the following:

  • Index-Tracker funds- An easy and popular way to invest that follows the performance of a particular stock market
  • Actively Managed funds - A good way to invest in a particular sector or region
  • Multi Asset funds- A range of funds that invest in other funds (a fund-of-funds) or funds where assets are made up of a portfolio of company shares, bonds and cash (a mixed investment range)
  • Income funds - Invest in funds lending money to a government or company, in return for an agreed level of interest over a set period
  • Property fund – Funds that invest in commercial property

How much can I Invest in a Fund Supermarket ISA?

Each year every eligible person gets an ISA Allowance, and you are permitted to invest all or part of this amount in an investment ISA or a cash ISA or one of each, as long as you do not exceed the limit. Many people are turning towards investing in light of the ever falling interest rates offered by banks. While there are risks involved, you can generally expect a good rate of interest on your investments. You also won’t pay personal or capital gains tax on the income or profit your investment earns

Our Fund Supermarket Service provides:

•100% discount on initial charges on all featured Select Funds

•Access to our Select Funds range, as rated by independent research company Morningstar OBSR

•Advice and support

•Secure online access to your funds, providing you with a clear view of how your investments are performing, all in one convenient place

•Annual consolidated statements of your holdings sent to you every year

•Email updates on the latest fund launches

As with any investment, there are some risks involved. Your investment and income from it may fall as well as rise and profit is not guarantees, it is possible to get back less than you invest. It’s generally recommended that you investment for a medium to long, ideally five years.

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.

Cash ISAs

ISAs are a tax-advantageous way to save or invest, check out some of the ISA options below

ISAs Products

Fund ISAs

There are a range of types of fund ISA

Fund ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

High Income ISA Idea For Your 2017 ISA Allowance

23rd May 2017

The New ISA Allowance Is £20,000 Per Person. 

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We've been comparing and recommending ISAs for many years so you can trust you're in good hands.

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