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​Hargreaves Lansdown ISA

Selected ISAs

Fully Managed Stocks and Shares ISA

from Nutmeg

Allows ISA Transfers
Regular Savings
  • 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 - Choose a portfolio that's fully managed by our expert team or a fixed allocation portfolio. 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). Portfolio management fees of 0.45%-0.75% up to £100k. 0.25%-0.35% beyond £100k. There are also underlying investment charges, see our fees page. Plus, live chat, amazing customer support and brilliant investor tools and guides. Authorised and regulated by the FCA. Capital at risk.

Investment Income Plan ISAs

FTSE 100 Enhanced Income Plan

from Investec

Allow ISA Transfers
Annual Income 4.20% fixed income
  • Counterparty: Investec Bank plc
  • Term: 5 years

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.

  • 4.20% 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 has fallen by more than 40% at maturity from it's initial level, 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.

Investment Growth Plan ISAs

FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 10.50% per annum
  • Counterparty: Investec Bank plc
  • Term: Up to 6 years

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 10.5% annual growth.

  • 10.5% 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 has fallen by more than 40% at maturity from it's initial level, 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.

Hargreaves Lansdown ISA

Hargreaves Lansdown Plc is a financial services based in Bristol, England. Founded in July 1981 the company is a constituent of the FTSE 100 index. They currently offer a Stocks Shares ISA and JISA products.

Finding an Investment ISA

Every tax year, each eligible person is allowed to open up to a maximum of one investment ISA, although it may be able to transfer an investment ISA. This means that it is wise to shop around a wide selection of products to try and find the best deal available to you.

You can use the tables on this page to compare a selection of different ISA types and follow the links to find out more about a specific product or apply.

About Investment ISAs

Investment ISA’s offer a tax-efficient wrapper around up to their maximum ISA allowance for savers to put their money, the money held within an investment isa can then be used to invest into various ‘qualifying investments’ such as investment trusts, shares, funds and stocks.

These products are described as tax-efficient because gains made from investments within the ISA are not subject to Capital Gains Tax. Dividends incur 10% income tax at source; however there is no further income tax to pay upon them.

Remember that when investing that the value of your investments can go down as a well as up and you could get back less or none of what you originally invested.

Other ISAs

In addition to Investment ISAs there are other types of ISA like; Innovative Finance ISAs and Cash ISAs, The rules permit individuals to open up to one of each type of ISA in each tax year so it is possible to open a Cash ISA, Investment ISA etc all within the same tax year, however the overall ISA allowance stays the same, so savers and investors who do decide to operate multiple ISA s need to remember to break up their allowance between their Individual Savings Accounts (ISAs) so they do not exceed it.

Cash ISAs: Work much like the normal savings accounts offered by banks in building societies. The main difference is that up to the maximum allowance all interest on money held in the account is paid tax free. There are different types subsets of Cash ISA depending on how an individual would like to save, some permit the saver to make unlimited free withdrawals others will require the account holder to lock their cash into the product for a predefined period of time.

Innovative Finance ISAs: Offer a tax-efficient wrapper for investments in Peer to Peer Lending.

Transfers

It is possible to transfer an ISA to another ISA product, with both the same and different providers. However not all ISAs permit transfers in and some ISA will charge a penalty for transferring out. This means that while it can be wise to periodically shop around providers to check if you could get a better deal from another ISA, before trying to transfer it is wise to first check if any fee you would incur would cancel out the benefits of moving, and to also make sure the product you want to move to accepts transfers in. 

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

A New “Care ISA” To Fund Care Home Costs?

21st August 2018

For anyone around retirement age, paying for our care costs when we get older is a worry that probably ranks second only after a fear of developing dementia. Will a new type of ISA be the solution?

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