Interactive Investor Investment ISA
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:
- A flat fee service - ii offer a simple and transparent priced service with tailored products to choose from
- Wide investment choice - Access 40,000+ UK and global stocks
- Award winning support - Smart tools to help you become a better investor
- Investment research & commentary - Regular highly engaged commentary
Choosing an investment ISA
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:
- Quick Start Funds - 6 low cost ready made portfolios if you are looking for a straightforward way to invest over 3 years or more.
- Super 60 - A range of investments rigorously selected by experts including a wide range of active and passive funds, investment trusts and ETFs.
- ACE 40 - The UK's first rated list of ethical investments, to help you align your investment choices with your personal values.
- Model Portfolios - 4 ready-made portfolios managed by experts with either growth or income options.
Why invest with ii in their ISA?
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.
Total ISA value after 30 years
| 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 |
Typical investor ISA
The above data assumed:
- A typical investor aged 35 with an accumulated ISA value of £50,000
- Over a 30 year investment lifecycle, annual gross subscriptions of £10,000 have been added to the ISA
- One buy and one sell trade in each year, with associated dealing charges included.
- Equal split in funds (Open Ended Investment Companies) and shares.
The investment returns reflect the following charges:
- Administration fees
- Dealing costs (assuming online transactions only)
- Fund manager charges, known as the Ongoing Charges Figure.
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.
Ongoing Charges Figure (OCF)
- The analysis assumes a typical portfolio of active funds, with an average OCF of 0.66%.
- This OCF is taken from the investment each year, not from your ISA.
- The typical OCF used is the average fee charged by the active funds (not investment trusts) making up the ii Super 60 range, as published in their Key Investor Information Documents in October 2020. Each provider shown may offer a different range of investments.
Investment returns
For all comparisons shown, the Lang Cat assumed:
- Future investment growth will be at 5%. This is for illustration only and is not guaranteed. Investment returns can go down as well as up.
- An inflation rate of 2.00% throughout the period. Inflation is applied to regular contributions and to instances of fixed fees, but not used to adjust final projected values.
