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Hargreaves Lansdown ISA Review

Hargreaves Lansdown ISA Review
Investment Fund Supermarket ISAs

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
Share Dealing ISAs

Share Dealing ISA

from Hargreaves Lansdown

Allows ISA Transfers
  • Trade From (frequent trader rate): £5.95 per trade - 20 trades + pm
  • Trade From (standard trader rate): £11.95 per trade
Junior ISAs

Junior Stocks & Shares ISA

from Hargreaves Lansdown

Regular Savings
  • Invest From: £25 pm
  • Investment Options: Invest in over 3,000 funds, UK and overseas shares, investment trusts and ETFs. Capital at risk.
Investment Fund Supermarket ISAs

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
Lifetime ISAs

Lifetime ISA

from Hargreaves Lansdown

Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Over 2,500 Funds, Investment Trusts, Bonds, ETF's or Cash. Capital at risk.
  • Invest From: £100 single or £25 per month

Charges

  • It’s free to set up
  • No inactivity charge or cash holding fee
  • Yearly charge for holding investments is a maximum of 0.45%
  • No charge to buy or sell funds
  • Maximum cost of £11.95 for online share deals

Fund Choice

  • Hargreaves Lansdown boasts a wide variety and a long list of possible. These include:
  • Over 3,000 funds available to choose from
  • DIY fund
  • Read-made portfolio options

Customer service

The customer service features of Hargreaves Lansdown as a platform include:

  • An easy to navigate website
  • If you’re a first time investor there is a comprehensive “Begin with the Basics” page on the website which can walk you through the basics of opening your first investment ISA.
  • This includes video resources which explain some key concepts for a first-time investor.
  • They also have a fairly comprehensive “Contact Us” section, outlining ways you could solve potential problems with existing resources, such as their FAQ page and ways you can manage your account online.
  • If your customer service needs are not met by this, there is a link to their contact email address as well as a helpdesk number. A table on the website allows you to select your issue, and it will tell you your contact options

Research & tools available

To find the ISA which is right for you, you can look at their “Fund Finder” page which allows you to search the available funds by name as well as applying certain filters. This is a great tool which you can use from the comfort of your own home to help you decide which fund or funds are right for you and your investment. 

Is "Hargreaves Lansdown" The Best Place For Your Child's Junior ISA?

For this tax year (2020/2021) you can invest up to £9,000 in a tax-free wrapper for your child’s future in a Junior ISA.

If you’re looking to set up a JISA (Junior ISA) at Hargreaves Lansdown, then you need to know what costs, choice, customer service and research tools you can expect to get by going with this provider.

Charges

The charges associated with a JISA at Hargreaves Lansdown are:

For Funds (on value of fund):

  • 0.45% charge on the first £250,000 investment
  • 0.25% on investments between £250,000-£1 million
  • 0.1% charge on investments between £1 million and £2 million
  • No charge on investment fund values over £2 million

For shares:

  • There is 0.45% charge for shares including UK and international shares, including investment trusts and exchange-traded funds, VCTs, gilts and bonds.
  • This charge is capped at £45 per year, so that is the maximum you would be expected to pay.

Dealing charges:

  • No dealing charge for buying and selling funds
  • £5.95 per deal for online and mobile app share dealing

Fund Choice

In terms of fund choices, much like the standard ISA, you can choose from:

  • Over 3000 funds, so you have plenty of options
  • Both UK and international shares
  • Investment trusts
  • Bonds
  • Exchange-traded funds (ETFs)

Customer service

The customer service for JISAs is the same as the customer service provided for general ISAs. They also provide FAQs specifically tailored to the JISA product, so you can look there for information. This also includes Investment ideas, which can be helpful for a first-time investor.

Research & tools available

Hargreaves Lansdown has a page on their website specifically dedicated to JISA accounts, which contains lots of information you may want to look at before opening a JISA with this provider. This includes:

  • Their charges
  • Investment ideas
  • A calculator function
  • FAQs
  • Information on transferring a JISA
  • Facility to open a Junior ISA
  • Facility to top up a Junior ISA

ISA idea for tax free income

"Ready Made Investment Portfolio ISAs"

Ready made investment portfolios can be a great way to invest in a stocks and shares ISA.

They are ideal if you are new to investing or simply don't have time to choose your own investments.

See a selection of ready made investment portfolio ISA options to help you choose the best way to invest your ISA allowance.

Ready Made Investment ISAs »

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.

Lifetime ISAs

Save for your first home and retirement

Compare Lifetime ISAs

Junior ISAs

Invest for your child’s future

Compare Junior ISAs: 

Stocks & Shares ISAs

Invest tax-free in stocks and shares 

Compare Stocks and Shares ISAs:

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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