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Best ISA Funds 2020

Why is it important to find the Best ISA Funds

Compare the best ISA funds for 2020-21

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 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.

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.

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.

Physical Gold ETC Fund

from iShares

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: Offers exposure to changes in the price of gold - an important investment commodity. This fund is backed by physical gold.
  • Invest From: £50 pm

iShares physically-backed Exchange Traded Commodities (iShares Physical ETCs) are series of secured metal-linked debt securities that trade on one or more regulated exchanges and offer investors easily accessible, liquid and transparent exposure to physical precious metals. iShares Physical ETCs provide investors with exposure to the performance of individual precious metals without the need to take physical delivery or trade commodity futures contracts. The iShares Physical Gold ETC seeks to track the day-to-day movement of the price of gold, less fees, by holding gold bullion. The gold bullion backs the securities issued and is valued daily at the London PM fix price. The gold bullion is held as allocated gold bars with the custodian, JPMorgan. State Street acts as the Trustee. iShares Physical ETCs are exchange traded commodities and are neither funds nor exchange traded funds.

Available via Fidelity Fund Supermarket this fund provides low cost exposure to the gold market with a 0.25% pa annual charge.

Important information: Please note 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.

Investment Fund ISAs

Listed Equity Income

from AVIVA Investors

Income Yield 4.20% pa - Income Paid Bi-annually*

Why we like it: Getting paid a regular income is a priority for many investors. Whether you're in retirement, or want to boost your existing income, an equity income fund could be right for you. Even if you do not need income now, you can opt to reinvest it to boost capital growth. An emphasis on dividends and dividend growth makes this fund a more traditional UK equity income fund, in our view, so it could help form the foundation of an income portfolio.

This fund is available via: Hargreaves Lansdown investment platform »

*Historic yield correct as at 31/10/2020

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.

Monthly Distribution

from Artemis

Income Yield 3.70% pa - Interest Payable Monthly*

Why we like it: If you are looking for a high income yield this fund is suitable for long term investors drawing regular income from their portfolios. With a focus on high yield bonds and shares, the fund manager is an experienced bond investor who has a flexible approach to seeking out the best income opportunities.

This fund is available via: Interactive Investor investment platform »

*Historic yield as at 30/9/2020

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.

Ethical Trust Income

from Legal & General

Income Yield 2.40% pa - Interest Paid Bi-annually*

Why we like it: A low cost ethical fund (0.25% pa ongoing charge) with the objective of the Fund is to provide growth by tracking the performance of the FTSE 350 Index (the “Index”), excluding shares of companies whose business does not meet a range of ethical and environmental guidelines (“ethical screening methodology”) determined by an external agency chosen by the Manager.

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

*Historic yield correct as at 30/11/2020

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.

Investment Fund Supermarket ISAs

Stocks & Shares ISA

from Fidelity

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: Select from over 4,000 funds. Large selection of UK shares. Investment trusts, ETFs and investment portfolios put together by experts.
  • Invest From: £25 per month or lump sum from £1,000

Why we like it: Investment choice from over 100 fund providers, giving you access to 4,000+ funds. 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: 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 Hargreaves Lansdown

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

Why we like it: Choose your own funds or alternatively a ready made portfolio. Market-beating savings and discounts of up to 5.5%. No charge to buy and sell funds. Low, tiered annual charges for holding funds, with a maximum of just 0.45% per annum. Free fund updates and analysis from experienced research team. Invest with a financially secure, FTSE 100 company.

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 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. 

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 an ISA

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.

ISA funds

ISA funds, also known as stocks and shares ISAs, enable individuals to invest their money into “qualifying investments”.

The following are deemed “qualifying investments”:

  • Cash
  • Trusts
  • Investment trusts
  • Stock market shares
  • Government investment and savings bonds

Unlike other ISAs, such as cash ISAs, the capital in ISA funds will often have restricted accessibility. This means that you will likely have to wait a certain amount of time before you can withdraw money from your ISA funds.

Why use ISA funds

If it is done correctly, investing your capital can provide additional income, can help you grow your savings for a purchase or enable you to save effectively for retirement.

However, it should be noted that any return from an investment is subject to tax. The obligation to pay tax on any investment dividend could significantly reduce your overall return.

ISA funds can give you the chance to make an investment and avoid paying any tax on its return. This is because you can earn up to £20,000 tax-free interest through ISAs, which may help you grow your capital substantially over the course of the year.

Eligibility

To qualify for ISA funds you need to be:

  • Aged 18 years or over
  • A UK resident and tax payer
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.

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

Our Top Picks for Technology Stocks and Shares ISAs

19th January 2021

The tech industry has been booming for the past fifteen years; and it seems to be a rollercoaster that only goes up. The tech bubble has yet to burst, with companies coming out with more and more technological developments and consumer demand is certainly not slowing down. So, for the tech-savvy investor who wants to put their pennies behind this strong growing industry, we’ve put together our top three picks for Technology Stocks and Shares ISAs. 

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