Investment ISAs put your capital at risk & you may get back less than you originally invested
Interactive investor is a well established investment platform with £30 billion of assets under management that has been serving UK investors for over 20 years with over 350,000 engaged clients.
If you are looking to invest direct, via an ISA or SIPP ii offer:
If you are are new investor or you simply do not have the time then ii offer a range of options which can be invested via an ISA including:
In independent analysis carried out by Langcat results showed you could be better off by £32,000 over 30 years investing in their ISA due to their flat fee structure. How much you could save will depend on your personal circumstances.
This analysis compared the potential impact of ongoing administration fees and trading charges for the following Stocks & Shares ISAs on returns over a 30 year period, based on an individual with the profile described below.
ii assumed that investment charges, rates of investment growth and rates of inflation were the same across the board.
The examples are not illustrations of what you might get back.
This will always depend on your personal circumstances. Investment returns go down as well as up and you may get back more or less than any figure illustrated.
| Provider | Total Portfolio Value | Difference vs ii ISA |
| Interactive Investor | £1,000,300 | - |
| Hargreaves Lansdown | £967,800 | -£32,500 |
| AJ Bell YouInvest | £983,400 | -£16,900 |
| Fidelity Personal Investing | £983,700 | -£16,600 |
| Barclays Smart Investor | £980,700 | -£19,600 |
The above data assumed:
The investment returns reflect the following charges:
All competitor charges were taken from their published fees correct as at 1 January 2020.
In the summary tables above, charges and portfolio values have been rounded to the nearest £100 for illustration purposes.
For all comparisons shown, the Lang Cat assumed:
It’s looking more and more likely we’re past the worst of the pandemic.
For five shares that could be worth a look in this context, download a FREE factsheet to discover Hargreaves Lansdown’s experts’ latest picks.
They include:
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.
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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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