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Yorkshire Bank ISA

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Investment Fund Supermarket ISAs

Stocks & Shares ISA

from Fidelity

ISA Option
Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Choose from over 4,000 investment options, including one of the widest fund ranges in the UK, plus shares, investment trusts and exchange-traded funds. There’s also expert guidance to help with your investment decisions, which includes a selection of tools and insights from Fidelity’s experts. Capital at risk. Tax and ISA rules apply.
  • Invest From: £25 through regular savings or £1,000 lump sum

Why we like it: Fidelity has lots of investment options, plus an extensive range of guidance tools to help you decide what to invest in. Their award-winning ISA is easy to start and offers great value, their a typical service fee of just 0.35%. Other ongoing charges apply. On top of that, everything is backed by Fidelity’s 50 years of investment experience.

Important: The value of investments can go down as well as up so you may get back less than you invest. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.

Tax treatment depends on individual circumstances and all tax rules may change in the future.

Stocks & Shares ISA

from AJ Bell

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 2000+ Funds
  • Invest From: £25 pm

Why we like it: It is simple to invest in a fund online. You will need to open an account first and then choose the fund you are interested in investing in. There are over 2,000 funds to choose from but to make it easier for you AJ Bell have created their favourite funds list which is their pick of the best funds. 

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.

Stocks & Shares ISA

from Interactive Investor

ISA Option
Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Access 40,000+ UK, US and international shares on 17 global exchanges. Choose from over 3,000 funds or select a ready made portfolio. Investment trusts, ETFs, Bonds & Gilts. Option to invest in 6 low cost funds selected by experts to get you started. Capital at risk. Tax & ISA rules apply
  • Invest From: £25 a month or any lump sum

Why we like it: An award-winning ISA that gives you complete control. The second largest platform in the UK with the widest choice of investment options in the market including funds, investment trusts, ETF’s and more. Strong ethical investment proposition with more than 140 investment options. Open online in less than 10 minutes. Access to expert independent ideas and analysis. Low cost fees and trading.

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.

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.

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.

Yorkshire Bank ISA

Yorkshire Bank offer a selection of Cash ISAs to help you save, however when working out what is best choice for you it is wise to shop around and compare offerings from different providers to get the most out of your maximum ISA allowance each tax year. You can use the table above to compare a selection of different ISAs from various providers which might help you decide and click the links to apply.

Types of Yorkshire Bank ISA:

  • Cash ISA Instant Access – offers a tiered variable rate of interest, so the more you save the higher the interest rate you may receive. You can make withdrawals into the account whenever you like and make deposits with regular payments, one-off deposits or a combination.
  • Cash ISA 40 Day Notice – allows savers to make a withdrawal in whole or in part by giving 40 days notice. This account also offers a tiered rate of interest so the more you save the better interest rate you could receive.

Types of ISA

To make the most out of your maximum allowance it is important you understand all of the features of an ISA before you take one out. There two different kinds of ISA: Stocks and Shares ISAs and Cash ISAs which are considerably different. You are limited to having a maximum of one of each kind of ISA every tax year, your maximum allowance however stays the same, this means that if you choose to open one of each ISA you will need to break up your allowance between the two.

  • Cash ISAs: This type of ISA basically works like a normal savings account with a bank and building society, the only real difference is up to your maximum allowance any interest payments you receive will be free of tax. Providers may offer different kinds of Cash ISA such as Instant Access accounts where you can make withdrawals whenever you want to Fixed Rate accounts that normally require you to lock your cash in the investment for a set period of time.
  • Stocks & Shares ISAs: Can offer potentially better interest earnings, however your capital is at risk meaning you could get back less than what you originally invested. This is because this kind of plan is a tax-efficient investment account which you can use to invest in other products such as stocks or gilts. There are Self-select plans which require you to directly invest in different shares yourself or collective investment plans where your money is pooled with others and invested into a fund. You are still required to pay tax on dividend earnings with this type of account but to your maximum allowance you are not charged Capital Gains Tax or Income Tax on the ISA.

Transferring an ISA

All providers are required to allow you transfer your Individual Savings Account (ISA) to another provider; however some accounts may impose a penalty for doing so. This means that while it is wise to shop around often to try and find better deals, you should factor in any penalty you might receive as this could cause you a greatly loss than what you would stand to gain by moving accounts. 

Are you new to investing or simply don't have time?

A ready made ISA investment portfolio may be right for you where you get investment experts to choose the asset mix of your ISA on your behalf.

The good news is that over the last few years investment platform providers have upped their game in providing carefully constructed model portfolio options to suit all kinds of investors for your ISA.

Using low cost funds such as ETFs and index trackers and smart technology there are some excellent options for investors.

Providers of ready-made portfolios include:

Choosing a ready made ISA portfolio

With each ready made portfolio, it is the investment team at your selected portfolio provider who have chosen the investments.

Each portfolio will typically have a set risk profile e.g. cautious, balanced, adventurous, and then will invest in assets that are aligned with the portfolio risk profile. The ISA portfolio provider’s documentation will clearly explain exactly where your money will be invested.

Depending on the type of ISA portfolio service offered:

  • The fund managers will then manage the investments on your behalf or
  • Having made the investment choices for you, it is up to you on how you “manage” the investments going forward

The investment experts at the portfolio provider may also monitor the make-up of the portfolio, and may consider changing it if market conditions alter, which might help mitigate the effects of falling stock markets.

For example, they might decide to have more exposure to one investment fund which they think is set to perform well, and to reduce their exposure to another fund.

However, you still need to make the initial decision as to which portfolio to choose.

When deciding which portfolio to invest in, you might decide to look at past performance records.

If you do, then please remember that past performance is not necessarily a guide to future performance.

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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