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Last Minute ISA

Latest last minute investment ideas for your ISA

Compare last minute 2020-2021 Investment ISA Options.

You can invest up to £20,000 per individual for the 2020/2021 tax year.

Investment Fund Supermarket ISAs

Stocks & Shares ISA

from Fidelity

ISA Option
Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Choose from over 4,000 investment options, including one of the widest fund ranges in the UK, plus shares, investment trusts and exchange-traded funds. There’s also expert guidance to help with your investment decisions, which includes a selection of tools and insights from Fidelity’s experts. Capital at risk. Tax and ISA rules apply.
  • Invest From: £25 through regular savings or £1,000 lump sum

Why we like it: Fidelity has lots of investment options, plus an extensive range of guidance tools to help you decide what to invest in. Their award-winning ISA is easy to start and offers great value, their a typical service fee of just 0.35%. Other ongoing charges apply. On top of that, everything is backed by Fidelity’s 50 years of investment experience.

Important: The value of investments can go down as well as up so you may get back less than you invest. 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.

Tax treatment depends on individual circumstances and all tax rules may change in the future.

Stocks & Shares ISA

from Interactive Investor

ISA Option
Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Access 40,000+ UK, US and international shares on 17 global exchanges. Choose from over 3,000 funds or select a ready made portfolio. Investment trusts, ETFs, Bonds & Gilts. Option to invest in 6 low cost funds selected by experts to get you started. Capital at risk. Tax & ISA rules apply
  • Invest From: £25 a month or any lump sum

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. Strong ethical investment proposition with more than 140 investment options. 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 Hargreaves Lansdown

ISA Option
Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: 2,500+ Funds. UK and overseas shares. Corporate and government bonds. Exchange Traded Funds (ETFs). Investment trusts and much more. Capital at risk.Tax & ISA rules apply
  • 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.

Selected ISAs

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.

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.

Polar Capital Technology

from Polar Capital

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: Researching and identifying developing technology trends and investing in the companies best placed to exploit them.
  • Invest From: £25 pm
  • Investment Options: Polar Capital Technology Trust plc provides investors with access to the potential of companies in the global technology sector.

Investment trust providing exposure to global technology companies. Launched in 1996, Polar Capital Technology Trust plc (“PCT”) has grown to become a leading European investor with a multi-cycle track record. Managed by a team of dedicated technology specialists, the PCT aims to maximise long-term capital growth by investing in a diversified portfolio of technology companies from around the world. The managers’ core belief in rigorous fundamental analysis, and being unconstrained by not following a benchmark, enables PCT to deliver global equity market outperformance through exposure to a universe of over 3,000 companies. Top holdings in the fund include Apple, Microsoft, Google & Facebook.

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.

Equity Fund

from Fundsmith

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: The manager invests in around 20 to 30 companies. He generally likes those in the technology, everyday consumer goods, and the medical supplies sectors.
  • 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 popular fund with a strong track record with a 0.95% annual charge.

Suitable for the long term investor the fund manager Terry Smith focuses on a small number of high quality, resilient, global growth companies (Between 20 and 30 stocks) that are good value with the intention of holding the shares for a long time. Companies held include Microsoft, Paypal and Estee Lauder. This fund is available through the Fidelity Platform.

Available via:

Fidelity 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.

Ethical ISAs

Sustainable Leaders

from Royal London

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: companies that are likely to benefit from measures taken to improve the environment, human welfare and quality of life.
  • Invest From: £25 a month or any lump sum
  • Investment Options: The core of the investment portfolio consists of shares in companies involved wholly or in part in the manufacture of products, industrial processes or the provision of services associated with improving the environment and the enhancement of human health and safety.

Why we like it: A consistent performer this popular £1.7bn fund run by triple A Citywire rated fund manager Mike Fox works on a “best ideas” basis with 40 to 50 company holdings . The fund applies both negative and positive screening. Sectors considered more favourably include healthcare and technology, whereas areas such as commodities are generally avoided. There is also a focus on long-term themes and trends such as infrastructure and changing demographics. The fund has reasonable ongoing charges of 0.76% pa for an actively managed fund.

This fund is available via: Interactive Investor 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.

Global Clean Energy ETF

from iShares

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: The ETF seeks to track the performance of an index composed of 30 of the largest global companies involved in the clean energy sector.
  • Invest From: £25 a month or any lump sum
  • Investment Options: The Share Class is a share class of a Fund which aims to achieve a return on your investment, through a combination of capital growth and income on the Fund’s assets, which reflects the return of the S&P Global Clean Energy Index, the Fund’s benchmark index (Index).

Good to know: A member of the Interactive Investor ACE 40 ,this fund is passively managed by BlackRock and reflects the return of the S&P Global Clean Energy Index (the benchmark). The Index is designed to provide exposure to the leading publicily listed companies in the global clean energy business from both developed and emerging markets.   The fund has reasonable ongoing charge of 0.65% pa. 

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.


Last Minute Investment ISA Options

An investment or stocks and shares ISA as they are often called is a "tax wrapper" that allows you to invest in different types of investments e.g. funds to individual shares to help you save any profits you make from tax.

An investment ISA might be for you if you are happy to invest for 5 years or more and you have not used your current annual allowance which is currently £20,000 (For the 2020-21 and 2021-22 tax years).

As with all investing you need to be comfortable that the value of your investment migh go down as well as up.

You have until midnight on the 5th April to use your 2020/21 ISA allowance.

What types of investments can you hold in an ISA?

Within an investment ISA you can hold a variety of different investment products. 

The benefit is that any growth or interest you enjoy are free from tax.

Different investments that can be held including:

  • Individual company shares. If you wish to buy directly into individual companies, then a good way to do this is via an online fund supermarket that offers a trading account facility. For more information on sharedealing ISAs click here.
  • Unit Trust Funds - Collective investment fund typically investing in 20+ companies in line with an investment mandate e.g. investing in UK companies. With this type of investment your money is pooled with other investors and the fund is split into units and units are created when people buy into the fund or cancelled when units are sold
  • OEIC Funds (Open Ended Investment Companies) - Like unit trusts they are collective investment funds typically investing in 20+ companies in line with an investment mandate e.g. investing in UK companies. As with a unit trust your money is pooled with other investors and the fund is split into units and units are created when people buy into the fund or cancelled when units are sold. The key difference to a unit trust is pricing. With a unit trust there are two prices for buying and selling whilst for an OEIC there is just one price.
  • Investment Trusts Funds - Are companies that raise funds by selling a fixed amount of shares to investors, then pool the money to buy a wide range of shares and assets. Investment trusts can borrow money to buy shares (gearing) unlike unit trusts.
  • Exchange Traded Funds - Are funds that issue shares which can be traded on the stock exchange. ETFs offer exposure to a wide range of asset classes and can be bought and sold at any time whilst the stock exchange is open. They are typically low cost funds.
  • Corporate Bonds - With a corporate bond you are buying a debt security issued by a firm. In return for your capital as an investor you get a pre-determined interest payments on a fixed or variable basis. If you wish to buy directly into a corporate bond, then a good way to do this is via an online fund supermarket that offers a trading account facility. 
  • Government Bonds - As with a corporate bond you are buying a debt security but a debt issued by a government. In return for your capital as an investor you get a pre-determined interest payments on a fixed or variable basis. If you wish to buy directly into a government bond, then a good way to do this is via an online fund supermarket that offers a trading account facility.

    Are you new to investing or simply don't have time?

    A ready made ISA investment portfolio may be right for you where you get investment experts to choose the asset mix of your ISA on your behalf.

    The good news is that over the last few years investment platform providers have upped their game in providing carefully constructed model portfolio options to suit all kinds of investors for your ISA.

    Using low cost funds such as ETFs and index trackers and smart technology there are some excellent options for investors.

    Providers of ready-made portfolios include:

    Choosing a ready made ISA portfolio

    With each ready made portfolio, it is the investment team at your selected portfolio provider who have chosen the investments.

    Each portfolio will typically have a set risk profile e.g. cautious, balanced, adventurous, and then will invest in assets that are aligned with the portfolio risk profile. The ISA portfolio provider’s documentation will clearly explain exactly where your money will be invested.

    Depending on the type of ISA portfolio service offered:

    • The fund managers will then manage the investments on your behalf or
    • Having made the investment choices for you, it is up to you on how you “manage” the investments going forward

    The investment experts at the portfolio provider may also monitor the make-up of the portfolio, and may consider changing it if market conditions alter, which might help mitigate the effects of falling stock markets.

    For example, they might decide to have more exposure to one investment fund which they think is set to perform well, and to reduce their exposure to another fund.

    However, you still need to make the initial decision as to which portfolio to choose.

    When deciding which portfolio to invest in, you might decide to look at past performance records.

    If you do, then please remember that past performance is not necessarily a guide to future performance.

Top 10 things to consider when choosing a stocks and shares ISA

  • You should be prepared to invest for the medium to long term with a stocks and shares ISA - for example, for five years or more.
  • If you think you might require access to your cash in the next couple of years, a stocks and shares ISA may not be the right choice for you. Share prices can be very variable - especially in the current financial climate - and so if you were to withdraw your investment in the next twelve to eighteen months, you could end up with less money than you started with.
  • Different stocks and shares ISAs have different investment options. These range from £50 per month (e.g. through a fund) to a specified minimum investment (e.g. £1,000).
  • Some ISA providers will give you online access to your account, allowing you to see the investment performance of your ISA and keep up to date with any charges incurred.
  • If your stocks and shares ISA isn't performing as well as you'd like, you will usually be permitted to transfer it another provider. To do this, speak to your new ISA manager who will arrange the transfer, allowing you to avoid losing any tax benefits by withdrawing your cash.
  • You can transfer shares you get from an HMRC-approved SAYE (save as you earn) scheme run by your employer, or a share incentive plan, into a stocks and shares component of an ISA without incurring capital gains tax, up to your annual ISA allowance.
  • You will not be able to transfer any existing non-ISA shares, or shares you've inherited, into a stocks and shares ISA.
  • With a stocks and shares ISA, there is greater long-term growth potential than a cash ISA - however, bear in mind that the value of your investment can go down as well as up.
  • If you have a stocks and shares ISA from a previous tax year, you're permitted to move this into a current stocks and shares ISA or split it between more than one stocks and shares ISA.

Three funds for a Stocks and Shares ISA

Stocks and Shares ISAs are a popular way for people to invest for their future.

If you’re looking for inspiration on where to invest your ISA this tax year, take a look at our latest investment ideas.

Download your copy to discover three funds, including:

  • A total return fund
  • A global income fund
  • A responsible investing fund

Click here to get your FREE guide from Hargreaves Lansdown »

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:

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Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

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