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DIY Investment ISA

What is a DIY Investment ISA?
Selected ISAs

Stocks & Shares ISA

from Legal & General

Allows ISA Transfers
Regular Savings
  • Fund Choice: Managed, Tracker, Self-Select
  • Invest From: £20 per month or £100 single

Why we like it: Legal & General has over 9 million customers in the UK, and over £1trillion of assets under their management (as at 31st December 2018). Their Stocks & Shares ISA offers a wide range of investment options, whether you want ready-made funds, low cost index trackers, or the ability to pick your own. 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. 

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.

Investment Fund Supermarket ISAs

Interative Investor Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 40,000+ UK and global investments
  • Invest From: £25 pm or £100 single

Why we like it: An award-winning ISA that gives you complete control. The second largest platform in the UK with the widest choice of investment options in the market including funds, investment trusts, ETF’s and more. Open online in less than 10 minutes. Access to expert independent ideas and analysis. Low cost fees and trading.

Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.

Stocks & Shares ISA

from Fidelity

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 2,000+ Funds
  • Invest From: £50pm

Why we like it: Invest from as little as £50 a month or with a £1,000 lump sum. Investment choice from over 100 fund providers, giving you access to 2,000+ funds. One low-cost service fee of 0.35%*. Great service – from investment guidance on website through to UK-based phones team. PathFinder, Select 50, Investment Finder - investing tools for beginners to advanced investors. 24/7 access via online Account Management system. 

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.

Important Information: * depending on how much you have invested

Share Dealing ISAs

Youinvest ISA

from AJ Bell

  • Trade From (frequent trader rate): £4.95
  • Trade From (standard trader rate): £9.95

Why we like it: Voted ‘Best ISA Provider 2017’ in the City of London Wealth Management Awards. Place 10 deals or more per month and pay only £4.95 per online deal in the next month. Deal from £1.50 and never pay more than £9.95 per online trade. 

Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.

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. 

Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.

What is a DIY Investment ISA?

A DIY Investment ISA allows you to take control over what you invest in.

Different platforms offer different levels of control.

Some platforms give you the freedom to choose from a range of funds to make up your ISA investment. E.g. Legal & General offer 50 funds within their portfolio all with different objectives and risk profiles.Barclays offer a similar offering.

So if you are inclined to invest for income or growth or you want to pick only funds that invest in companies that have been ethically screened then you can have that choice.

Going deeper some fund platforms offer you complete control so you buy individual company shares and bonds. These platform providers include Hargreaves Lansdowne and AJ Bell.

What to Consider when choosing a DIY ISA provider?

  • What are the charges? Choosing active management of your investments isn’t always cheaper than DIY: there are some price advantages to trading in scale. You need to be looking at annual administration charges, dealing fees, and any other costs, including exit charges.
  • How much are you investing? Platforms that charge flat-rate fees work better for large investors with £50K or more in their portfolios.
  • What kind of tools does the platform offer? Many investors are prepared to pay a bit more in fees for a platform that offers really useful apps and services.
  • Do you want to be able to invest in independent funds, or are you happy investing via a fund manager such as Legal & General that offers just its own funds?
    • Platforms such as Nutmeg, Shepherds Friendly and Scottish Friendly offer their own funds as well as managed portfolios including other products.

Some ISAs require large minimum deposits whereas some don’t. Make sure you find one that suits your needs 

Investment ISA

An Investment ISA is a tax-efficient and flexible way to invest in the market.

Features:
  • Options to put away a little money each month or investing some spare cash, you could possibly receive a higher return on your savings when compared with a standard ISA
  • Many accounts now offering managed collective investment portfolios for you, it is now easy for people to begin investing as no experience is required. This also works for very busy people
  • It’s always worth remembering however, that there is an element of risk involved and you could end up with less than you originally invested. Investment ISAs are viewed as a long term investment, usually for a minimum of 5 years.

What to Consider when Choosing a Stocks and Shares Provider?

  • Assess the level of risk you’re willing to take, most providers can filter assets depending on the level of risk you’re willing to take or even provide you with a ready-made portfolio
  • Low risk investing tends to focus on bond funds which pay interest or dividends regularly, whereas higher risk portfolios tend to focus on property investment and the stock market
  • Some providers hold a limited amount of carefully selected options to invest in whereas others have a much larger range of funds. Work out which is right for you
  • Some providers have a simple interface with clear copy about each investment and its past performances. Make sure you find one that you find easy to use, helpful and clear
  • Be careful of management charges and account fees. All investment ISAs have some form of charge, whether that’s a trading fee or an account management fee. Make sure you know how much your ISA will be costing you before you invest
  • Providers often let you hold cash in your account, ready to invest whenever you choose. You can even earn interest on that money so make sure your potential provider offers this if you think you may need this option
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

Is a Stocks and Shares ISA Safe?

19th February 2020

Are you interested in opening a Stocks and Shares ISA, but worried how safe your money would be? Investments can never be a 100% safe bet, but with Stocks and Shares ISAs you are given some protections for your cash. 

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