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Fund Supermarket ISAs /

Structured Tracker ISAs

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

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

Investment Fund 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.

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.

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.

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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Stocks and Shares ISAs

Latest News

How much can I pay into an ISA?

21st March 2019

Each tax year, there's a limit set by the government to the amount you can save and invest in ISAs: your “annual ISA allowance”. The allowances are intended to reward savers and encourage us to invest more to support our future retirements, without creating a tax haven that can be taken advantage of by very wealthy individuals who just want to avoid paying tax.

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