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Structured Tracker ISAs

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Stocks & Shares ISA

from Fineco

Allows ISA Transfers
  • Fund Choice: A complete multi-currency platform with low fees. Premium trading without premium prices. Choice of worldwide asset managers. Capital at risk.
  • Invest From: £100

Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Access 40,000+ UK, US and international shares on 17 global exchanges. Choose from over 3,000 funds. Capital at risk.
  • Invest From: £25 pm

Stocks & Shares ISA

from Hargreaves Lansdown

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 2,500 funds, shares, investment trusts and more to build your portfolio. Capital at risk.
  • Invest From: £25 pm

Stocks & Shares ISA

from AJ Bell

Allows ISA Transfers
Regular Savings
  • Fund Choice: Wide range of stocks and shares, over 2,000 funds (unit trusts and OEICs), investment trusts and ETFs. Capital at risk.
  • Invest From: £25 pm

Stocks & Shares ISA

from Fidelity

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 4,000 investment options, including one of the widest fund ranges in the UK. Capital at risk.
  • Invest From: £25 pm

Investment ISA

from Barclays Smart Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in shares, funds, investment trusts, exchange traded funds. 5 Ready made portfolios if you are not sure where to invest. Capital at risk.
  • Invest From: £1 pm
Selected ISAs

Stocks & Shares ISA

from Nutmeg

Allows ISA Transfers
  • Fund Choice: Nutmeg offer 4 diversified portfolios with ETFs, using technology to keep charges low. Capital at risk.
  • Invest From: Min. £500 single

Stocks & Shares ISA

from Wealthify

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have an investment Plan built and managed for you. Capital at risk.
  • Invest From: £1

Stocks & Shares ISA

from Moneyfarm

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have it matched to an investment portfolio expertly built and managed. Capital at risk.
  • Invest From: £1,500

What is a structured tracker ISA?

A structured tracker ISA is designed to offer some of the benefits of both a standard cash ISA and a stocks and shares ISA. The idea is that the return you earn is linked to the performance of the stock market as a whole, rather than to individual stocks and shares. As with any ISA, you do not pay tax on the interest you earn.

Because the performance of the stock market as a whole tends to be more predictable than that of individual stocks, you are likely to be limiting your risk by investing your savings in this way. You also save the hassle of trying to cherry pick stocks you think are likely to perform well, or paying someone to do this for you.

This approach does mean you are less likely to see the kind of really big returns you might receive if you were to invest in really well chosen individual stocks and shares. However, for people who prefer a slow and steady return, rather than a risky, but potentially high reward approach to investing, a structured tracker ISA can be a good option.

How structured tracker ISAs work

Putting your money into structured tracker ISA will normally mean agreeing to lock your savings away for a set period, often 3 to 6 years. The return you earn will then be linked to the FTSE 100 index or an equivalent.

The exactly level of return you see will be based on how the relevant index is performing on the end date of your deposit term (or at agreed intervals between) relative to how it was performing on the day your deposit term started.

It is important to bear in mind that with this type of investment, if the index has moved down by the time your product ends, you will either earn no return or potentially even lose some of your original capital. This will depend on the type of product you choose and its exact terms.

Types of structured tracker ISA

There are two basic types of structured tracker ISA you can choose from:

Structured deposits – These tend to pay slightly lower returns, but your original deposit is protected even if the linked index moves down. With structured deposits, you earn a return if the index moves up and none if it moves down. This is a good option if you want to limit your risk.

Structured investments – These usually pay a higher level of return but are more risky. If the value of the tracked index goes down, you may lose some of your original deposit. This is best for those who want to see higher returns and can afford to risk their deposit.

Compare structured tracker ISAs

Knowing which type ISA will offer the best match for your personal finances and investment goals can be difficult, especially with so many different providers offers such a range of different products. Our ISA comparison tool at the top of the page makes things easier, allowing you to quickly and simply compare the features of leading products from across the market. 

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.

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Save for your first home and retirement

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Stocks & Shares ISAs

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Latest News

5 Considerations for Your Next Investment ISA

15th March 2021

You've decided to invest your savings into a Stocks and Shares ISA. You'll be using your tax-free ISA allowance for this year before the deadline, while also investing your money for your future. But what do you need to consider before opening an account? We've put together a list of our top five considerations for you to think about before you click "apply". 

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