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Best Stocks and Shares ISA

The Very Latest Stocks and Shares ISA
Selected ISAs

FTSE 100 Tracker Fund

from Legal & General

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: Tracks FTSE 100 Index
  • Invest From: £20 pm
  • Investment Options: Provides exposure to the FTSE 100 index of the largest companies listed on the London Stock Exchange at a highly competitive price.

A low cost way of looking for capital growth by tracking the 100 most capitalised mature companies listed on the London Stock Exchange.  You can invest up to £20,000 this tax year, with a low minimum of £100 lump sum or £20 per month, and you can manage your account easily online. 

This fund is available via: Legal and General investment platform »

Important: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.

Core FTSE 100 ETF Tracker Fund

from iShares

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: Tracks the FTSE 100 Index
  • Invest From: £25 pm
  • Investment Options: Provides exposure to the FTSE 100 index of the largest companies listed on the London Stock Exchange at a highly competitive price.

A super low cost FTSE 100 tracker ETF fund with a 0.07% pa annual charge. The product has a record of tracking its benchmark to a high degree of accuracy and scored ahead of rivals on this measure.

This fund is available via: Interactive Investor platform »

Important: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.

FTSE 250 Index Tracker

from HSBC

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: Tracks FTSE 250 Index
  • Invest From: £25 pm
  • Investment Options: The Fund's investment objective is to provide long term capital growth by matching the capital performance of the FTSE 250 Index by investing in companies that make up the index.

A low cost FTSE 250 tracker with a 0.18% pa annual charge.The FTSE 250 is full of medium-sized companies with exciting growth potential. We think this is an excellent tracker fund, offering a low cost way to invest in this area of the market. HSBC has lots of experience running tracker investment funds.

This fund is available via:  Interactive Investor investment platform »

Important information: Please remember the value of your investment and any income from it may fall as well as rise and is not guaranteed. You may get back less than you invest.

FTSE 350 Tracker Fund

from iShares

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: Tracks FTSE 350 Index
  • Invest From: £50 pm
  • Investment Options: The aim of the Fund is to seek to achieve capital growth for investors by tracking closely the performance of the FTSE 350 Index by investing in companies in the Index.

This is a low cost FTSE 350 tracker fund with a 0.16% pa annual charge. The Fund aims to provide a return on your investment (generated through an increase in the value of the assets held by the Fund) by tracking closely the performance of the FTSE 350 Index, the Fund’s benchmark index. 

The Fund invests in equity securities (e.g. shares) of companies that make up the benchmark index. The benchmark index measures the performance of the 350 largest UK companies.

This fund is available via: Interactive Investor investment platform »

Important: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.

FTSE All Share Fund ISA

from Legal & General

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: Tracks FTSE All Share
  • Invest From: £20 pm
  • Investment Options: Invests in shares of UK companies listed on the London Stock Exchange.

Why we like it: A low cost way of looking for capital growth by tracking the UK stock market as represented by the index. No initial charges. You can invest up to £20,000 this tax year, with a low minimum of £100 lump sum or £20 per month, and you can manage your account easily online.

This fund is available via: Legal and General investment platform »

Important: Please remember the value of your investment and any income from it may fall as well as rise and is not guaranteed. You may get back less than you invest.

Index World Tracker Fund

from Fidelity

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: Tracks MSCI World Index
  • Invest From: £25 pm
  • Investment Options: The Fidelity Index World Fund, invested in a variety of well-known companies such as Coca-Cola, Google, Disney & Microsoft

Super low annual management charge of 0.1%. Great way to spread risk across a wide range of shares. This OEIC Fund aims to track the performance of the MSCI World (Net Total Return) Index (before fees and expenses are applied) thereby seeking to increase the value of your investment over a period of 5 years or more. The performance of the Fund is unlikely to track the performance of the index precisely. The fund invests in companies including Apple, Microsoft, Amazon and Tesla.

This fund is available via: Fidelity investment investment platform »

Important: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.

Global 100 Index Tracker Fund

from Legal & General

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: Tracks the capital performance of the S&P Global 100 Index
  • Invest From: £20 pm
  • Investment Options: Tracks the top 100 shares in companies of major importance across all geographical areas as represented by the index.

Low cost global tracker fund. The objective of the Fund is to provide growth by tracking the capital performance of the S&P Global 100 Index (the “Index”). This objective is after the deduction of charges and taxation.

This fund is available via: Legal and General investment platform »

Important: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.

FTSE International Index Fund ISA

from Legal & General

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: Tracks FTSE World Index (excluding UK)
  • Invest From: £20 pm
  • Investment Options: Invests in shares of large and medium sized companies, as measured by market capitalisation, listed on a range of world stock markets (excluding the UK), weighted by the size of those markets.

Why we like it: A low cost way of looking for capital growth by tracking the shares of middle and large companies by capitalisation across all economic sectors in developed and advanced emerging markets (excluding the UK) as represented by the index. No initial charges. You can invest up to £20,000 this tax year, with a low minimum of £100 lump sum or £20 per month, and you can manage your account easily online.

This fund is available via: Legal and General investment platform »

Important: Please remember the value of your investment and any income from it may fall as well as rise and is not guaranteed. You may get back less than you invest.

FTSE Global Technology Index Tracker Fund

from Legal & General

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: Tracks FTSE World Technology Index
  • Invest From: £25 pm
  • Investment Options: Invests in the shares of global companies engaged in information technology activities e.g. Microsoft and Apple, as represented by the Index.

Low cost technology fund with a competitive 0.70% ongoing annual charge.

A low cost way of investing in shares of global companies engaged in information technology activities, as represented by the FTSE World Technology Index. The fund has significant holdings in Apple and Microsoft. You can invest up to £20,000 this tax year, with a low minimum of £100 lump sum or £20 per month, and you can manage your account easily online. Top company holdings include Apple, Microsoft, Google and Facebook.

This fund is available via: Legal and General investment platform »

Important: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.

Best Stocks and Shares ISA

Picking the best Stocks and Shares ISA can be tough, there are plenty to choose from so it can be a little daunting. Particularly for people who are new to investing.

After the Bank of England cut UK interest rates following on from the 2008 financial crisis, they have remained at extremely low levels ever since. The European credit crisis, huge public borrowing and more recently Brexit and COVID-19 have all put pressure on central banks to keep interest rates close to zero.

Indeed, the amount of global debt issuance by investment grade companies paying negative interest rate hit just over 17 trillion USD recently – a new record - although perhaps not one to shout from the rooftops about!

So what kind of returns can I expect on cash going forward?

The chart below from the BOE gives you a good visual aid on current cash return prospects.

Looking at this if you are looking to invest for the longer term you have to question the logic of putting money into a cash ISA. 

UK savers who keep money in long term savings accounts or Cash ISAs where returns are historically lower on fixed rate products will be doing very well to keep their money's buying power ahead of inflation.

Needless to say, investors are left scratching their heads in how to earn any meaningful yield on their money.

However, it doesn’t have to be that way and providers are constantly making it easier for people new to investing or people who are too busy to manage their funds.

If you are looking to invest for the long term (5 years +) on either a regular or lump sum basis then a stocks and shares ISA should be a first port of call when you are considering options. ISAs are simply tax efficient wrappers for your investments which means that dividends and capital gains you enjoy are not subject to income tax or CGT tax.

Options now include: Investment platforms which offer you a wide range of choice with simple interfaces that provide lots of information to help people make clear investment choices.

Best Platforms for Funds:

What is on Offer?

A good ISA fund platform provider will offer:

  • Wide range of funds - The major investment platforms offer extensive fund options including OEICs (Open ended Investment Company) funds, Investment Trusts, Exchange Traded Funds (ETFs), Exchange Traded Commodities (ETCs) and more.
  • Index Tracker funds - An easy and popular way to invest that follows the performance of a particular stock market index e.g. FTSE 100 and the S&P 500
  • 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
  • Ready Made Portfolios - Allow you to invest in a range of investments chosen by an investment expert
  • Share dealing account options - Many platforms offer share dealing facilities to buy and sell shares in UK and international companies. Some platforms will give you an idea of what shares are currently popular with clients and give buy and sell trade volumes. Platforms such as Interactive Investor and Hargreaves Lansdown offer information and research on individual companies and funds to help you make informed choices about investing in shares.
  • Mobile app functionality - Mobile app functionality is getting better all the time and allows investors to keep tabs on their investments 24/7
  • Research and expert analysis - Platforms in wanting your business are constantly innovating to provide better added value services including research to allow you to make better informed decisions.

Don’t just look at the cost

Costs are important: this isn’t a decision you’re going to revisit every year.

For fund supermarket platforms the costs can include:

  • Annual account charges ranging from zero to £100 a year.
  • Annual fund charges from zero to 0.45% of portfolio value.
  • Plus charges each time you make a trade, which could be from £1 to £12.50 per transaction.
  • Consider platforms that run on a flat fee basis for larger portfolios

BUT… some of the more expensive fund supermarket platforms are rated highly by investors for ease of use and good customer support.

Please note that with stocks and shares investment ISAs you could lose money. If you are unsure about what is right for your or your circumstances then consider getting financial advice by talking to an independent financial adviser.

Investment platforms that are worth taking a closer look:

A stocks and shares ISA is one of the most tax-efficient ways to save for the things that really matter to you. 

In using an investment platform you have the benefit of a variety of investments to choose from, giving you control of how much risk you want to take.

Invest in an ISA from £20 a month or a lump sum of £100 or more.

  • Choose from our range of investments
  • With the platforms below you can choose from ready-made funds, depending on your level of risk
  • Save up to £20,000 for the 2020/2021 tax year

Interactive Investor »

Fidelity »

Hargreaves Lansdown »

AJ Bell »

Important Risk Information:

The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice.

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Stocks and Shares ISAs

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