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Compare Investment ISAs /

Compare Ready Made Investment Portfolio ISAs

Pick the best ready made investment portfolio ISA to invest this year's tax free allowance.

Investment ISAs put your capital at risk & you may get back less than you originally invested. When transferring an ISA, exit fees may apply

Model Portfolio ISA

from Interactive Investor

ISA Option
Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Need help choosing the right investments? ii's experts have carefully selected investments to point you in the right direction.
  • Invest From: £25 a month or any lump sum
See Deal Open an ISA before 31 December and get £100 cashback. New customers only, invest £5k or more. Terms & fees apply. Capital at risk.

Stocks & Shares ISA

from Nutmeg

ISA Option
Allows ISA Transfers
  • Fund Choice: Nutmeg offer 5 diversified portfolios with ETFs, using technology to keep charges low. Capital at risk. Approved by Nutmeg 24/02/2023
  • Invest From: Min. £500 single

Stocks & Shares ISA

from Shepherds

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in the Shepherds With Profits Fund which offers medium to low risk investing, with the aim of growing your money in a smooth manner over the long term. Please note: As with all investing, your capital is at risk you may get back less than you have put in. The value of the ISA will depend on the performance of the investments and any bonuses cannot be guaranteed. Additionally, if investment conditions are poor, we may apply a Market Value Reduction (MVR)
  • Invest From: £30 pm

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
  • Invest From: £1

Model Portfolio ISA

from AJ Bell

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: Choose the fund that suits you. There are eight in total, each built by our specialist team at AJ Bell Investments.
  • Invest From: £25 pm

Stocks & Shares ISA

from InvestEngine

Allows ISA Transfers
Regular Savings
  • Fund Choice: Offering commission-free DIY investing or low-cost, professionally managed income or growth portfolios built for you. Capital at Risk
  • Invest From: £100

Stocks & Shares ISA

from Tillit

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: From well-known classics to trailblazers and wildcards, TILLIT filter the market and select the best-in-class active and passive funds across asset classes, regions and styles. No one needs 5,000 funds. Get breadth and variety, without the choice paralysis

Stocks & Shares ISA

from & me

Allows ISA Transfers
Regular Savings
  • Fund Choice: Range of portfolios managed by investment experts from M&G Wealth, who continually review a range of factors and global trends to make ongoing decisions about where to invest, and find new opportunities with the potential to deliver long-term growth for investors

Model Portfolio ISA

from Hargreaves Lansdown

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: You can invest for income or growth and select from three pre-determined risk levels.
  • Invest From: £25 pm

My Money Builder Select ISA

from Scottish Friendly

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: When you set up a My MoneyBuilder Select (ISA), your money will be invested in a single fund - the Unitised With-Profits fund. A mixed managed fund from Scottish Friendly where premiums are pooled with those of other clients and returns are linked to the performance of the underlying assets within the fund. Remember the value of investments can go down as well as up, and you could get back less than you’ve paid in. If you cash in before the end of 5 years there will be a £50 deduction from your cash-in value
  • Invest From: £10 pm o r £100 single

Stocks & Shares ISA

from Best Invest

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: Over 2,500 funds, UK shares, investment trusts and ETFs or choose Ready Made & Managed Portfolios
  • Invest From: No minimum

Stocks & Shares ISA

from ChipX

ISA Option
Allows ISA Transfers
  • Fund Choice: Save and invest across investment funds, cash savings, and real assets
  • Invest From: No minimum

Model Portfolio ISA

from Moneyfarm

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: Choose your risk profile and have it matched to an investment portfolio expertly built and managed using exchange traded funds (ETFs)
  • Invest From: £1,500

What is a ready made investment portfolio ISA?

A ready made investment portfolio is simply a collection of investments and a fund portfolio ISA offers a convenient way to utilise your annual investment ISA allowance across a wide range of assets.

The portfolio will typically be put together by investment experts and different portfolios will usually have different risk profiles e.g. cautious, balanced, adventurous.

Some providers may create portfolios using a number scale; 1 for low risk up to 7 for high risk. This is particularly useful for new investors who can decide what trade off they want between investment risk and potential investment returns.

This can allow you to diversify your potential means of earning a return on your saving and help you to spread your risk.

A ready made portfolio may include various types of assets such as equity, cash and bonds.

Different fund portfolio ISAs may focus on a specific geographical area or specialise in a particular market.

The exact proportion you invest in each area will depend on your approach to risk as well as your investment objectives.

Most investment experts would agree that a balanced portfolio is vital when it comes to maximising your chances of getting a good return on your investments.

With a ready made portfolio the manager will typically rebalance the portfolio at least annually to ensure the risk profile is maintained.

What types of ready made investment portfolios are there for my ISA?

There are various ready made investment portfolios to suit different types of investors with different financial goals and attitudes to risk.

Examples offered by many leading providers include:

Growth portfolios – Funds are chosen with the aim of achieving long term growth. Investors will likely not see an immediate return, but could achieve a significant return over a longer time frame.

Income portfolio – Funds are selected with the aim of delivering a consistent level of income. This type of ISA is likely to pay out on a regular basis, which may be monthly, quarterly, semi-annually or yearly. As your money is in an ISA wrapper income will be paid to you tax free.

Ethical portfolio – Funds are chosen with the aim of achieving a balanced risk approach, while fulfilling certain ethical criteria e.g. sustainable investing, investing in companies that deliver products or services that have a positive impact on people and the environment.

This type of portfolio may result in slightly lower returns that some alternatives, but is popular with conscientious investors. Interactive Investor for example offer a ethical growth ready made portfolio managed by their investment experts which can be held in an ISA.

UK portfolio – Funds are selected with the aim of delivering income or growth, or a combination of the two, through investment in UK companies. This type of fund is popular with investors who wish to use their savings to help stimulate the UK economy.

Global portfolio – Funds are chosen from a variety of non-UK companies with the aim of achieving income, growth, or both. Spreading your investments around the world can help to mitigate the risk of volatility in a single country’s market.

Oliver Roylance-Smith
Edited by Oliver Roylance-Smith - ISA.co.uk

Frequently Asked Questions

Your investments can go up as well as down, and so you should always be prepared for the event that you could lose money.

Yes, you can transfer from your Cash ISA to a Stocks and Shares ISA at any time. However, do check you won’t lose out by transferring, as some Fixed Rate Cash ISAs may charge a fee or void your interest if you surrender your policy before the fixed term has ended

Yes, the value of your underlying investments will fluctuate, and you could lose money as well as gain.

Yes, you can. You just need to ensure that you are not transferring out before any fixed interest terms are completed if you want to avoid potential exit charges or your earned interest being void.

You can invest in a Stocks and Shares ISA by opening an account online, over the telephone or by post.

You will need to make a contribution to open your account, either via Direct Debit or a debit card payment.

Important Risk Information:

Capital at risk. Tax treatments depend on your individual circumstances and may change. 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.