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Hargreaves Lansdown ISA Review

Hargreaves Lansdown ISA Review

Is "Hargreaves Lansdown" The Best Place For Your ISA?

Hargreaves Lansdown offer a wide variety of different kinds of funds for your ISA, helping you make the most of your tax-free allowance. We’ve looked at various different aspects of the provider to help you decide if it is right for you. 

Investment Fund Supermarket ISAs

Stocks & Shares ISA

from Hargreaves Lansdown

ISA Option
Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Choose from over 2,500 funds, shares, investment trusts and more to build your portfolio. UK and overseas shares. Corporate and government bonds. Exchange Traded Funds (ETFs). Ready-made portfolios to suit your goals and attitude to risk from £1,000. Expert research to help make your decisions. Investment trusts and much more. Capital at risk.Tax & ISA rules apply
  • Invest From: £25 pm or from £100 lump sum

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.

Share Dealing ISAs

Share Dealing ISA

from Hargreaves Lansdown

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

Why we like it: Online share dealing at £11.95 per deal, or as low as £5.95 per deal for active traders. For regular savings, pay just £1.50 per deal. You can also trade shares by phone or post.

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.

Junior ISAs

Junior Stocks and Shares ISA

from Hargreaves Lansdown

Regular Savings
  • Investment Options: Invest from £25 per month or deposits of £100.

Why we like it: Invest for your child from £25 pm tax free. A wide range of top performing funds to choose from. The annual charge for holding investments in a Hargreaves Lansdown Junior ISA is never more than 0.45%. Your dealing and other charges will depend on the investments you choose.

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.

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

Why we like it: Choose from one of 6 ready made portfolios based on your attitude to risk. Portfolios rebalanced twice a year. 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.

Lifetime ISAs

Lifetime ISA

from Hargreaves Lansdown

ISA Option
Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Over 2,500 Funds, Investment Trusts, Bonds, ETF's or Cash
  • Invest From: £100 single or £25 per month

Why we like it: Easy set up in a matter of minutes. Start with as little as £25 and save up to £4,000 per year. Wide choice of stock market linked investments, or can be retained in cash. Fund factsheets and investment tools available. Simple annual management fee of 0.45%. There may be some other charges depending on the investment choices. Hargreaves Lansdown are regulated by the Financial Conduct Authority and are covered by the Financial Services Compensation Scheme. Capital at risk.

  • Open in five minutes
  • Open with lump sum, regular contributions or transfers from existing ISA's
  • Contribute up to £4,000 per year until you’re 50
  • Get a 25% government bonus: For every £4 you invest you receive a £1 bonus
  • Use your savings to buy your first home up to a value of £450,000, or use as retirement income
  • You can contribute to both a stocks and shares Lifetime ISA and a ‘regular’ stocks and shares ISA in the same tax year
  • Must be UK resident aged 18-39
  • If you need to access your money for any other reason, you’ll pay a 25% penalty
  • Annual account charge of 0.45%
  • Dealing and other charges will depend on the investments you choose and will apply in addition to our annual account charge
  • Tax rules can change and their benefits depend on your circumstances. Lifetime ISA allowance forms part of the overall £20,000 annual allowance

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.

High Income ISAs

High income ISA ideas:

ISAs Products

Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

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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