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Stocks and Shares ISA

The Very Latest Stocks and Shares ISA rates

Maximise your 2020 stocks and shares ISA allowance. You can invest up to £20,000 per person.

Investment Fund Supermarket ISAs

Stocks & Shares ISA

from Fidelity

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 2,000+ Funds
  • Invest From: £50pm

Why we like it: Invest from as little as £50 a month or with a £1,000 lump sum. Investment choice from over 100 fund providers, giving you access to 2,000+ funds. One low-cost service fee of 0.35%*. Great service – from investment guidance on website through to UK-based phones team. PathFinder, Select 50, Investment Finder - investing tools for beginners to advanced investors. 24/7 access via online Account Management system.

* depending on how much you have invested

Important: Please remember the value of your investment and any income from it may fall as well as rise and is not guaranteed. You may get back less than you invest.

Interative Investor Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 40,000+ UK and global investments
  • Invest From: £25 pm or £100 single

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. 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.

Vantage Stocks & Shares ISA

from Hargreaves Lansdown

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 2,500+ Funds
  • Invest From: £25 pm

Why we like it: Shelter up to £20,000 this tax year with the low cost, award-winning ISA. The UK's number 1 platform for private investors. 

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 and Shares ISA

A Stocks and Shares ISA is becoming a popular alternative to Cash ISAs now that the interest rates offered by banks are at the lowest they’ve ever been.

Generally, the returns on your investment are much higher in a Stocks and Shares ISA but there is an element of risk and there’s no guarantee that you won’t make losses or even withdraw less than you invested.

However, there are some way to minimise risk if you’re worried about investing:

  • Many providers now offer ready-made risk assessed portfolios, you can choose the risk level that you’re comfortable with
  • Many accounts mange your funds for you so you don’t have to
  • Investing in government bonds and property are less risky than investing in the stock market

While there are no guarantees of returns with investment, these are some sure ways to minimise that risk.

How do Stocks and Shares ISAs work?

You are able to invest anything up to the tax threshold for that year and choose to have it spread across a Cash, Stocks and Shares and Innovative Finance ISA or consolidated within one account.

A Stocks and Shares ISA is a tax-efficient way to invest. Despite the name, you can invest in many things besides Stocks and Shares, all with varying levels of risk.

As well as shares you can also invest in:

  • Investment trusts
  • Open Ended Investment Companies (OEICs)
  • Unit trusts
  • Government bonds (Gilts)
  • Corporate bonds
  • A Stocks and Shares ISA can be a good way to put aside some money each month or invest some extra cash. This kind of account not advised if you don’t have any other savings or are in debt because you won’t be able to access your money easily if you need to and you could make losses.

    Choosing an investment ISA

    Making sure you shop around ISA providers before committing to a product is sensible, as you can only open one new ISA of each type each tax year. It may be possible to transfer accounts, however, this could incur charges and leave you with less than you started.

    When looking for an investment ISA you may want to consider things such as minimum investment charges and the range of products it allows you to invest in.

    Use the tables on this website to compare a selection of different types of ISA from a selection of providers. Follow the links to find out more and apply.

    Transferring your ISA

    It has become much easier to transfer your ISA, whether that is in to a Stocks and Shares ISA or simply switching Cash ISAs. Changing ISA providers can take around 30 days if it involves a Stocks and Shares ISA or around 7 days if you’re simply switching Cash ISA providers.

    You are able to move your Stocks and Shares ISA in to a Cash ISA relatively easily, simply fill in the transfer form that your new provider will provide and give details of your assets and they will take charge of selling and transferring them.

    While the process simply involves filling in a form, be careful of penalty charges from your current provider, which could apply.

    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

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    Fixed Rate & Instant Access ISAs:

    Cash ISAs: 

    Stocks & Shares ISAs

    Types of Stocks and Shares ISA include: 

    Stocks and Shares ISAs

    Latest News

    Is An Investment ISA a Good Idea?

    29th July 2020

    If you're new to investing you will have come across the term "Investment ISA" or "Stocks and Shares ISA" which are ISA accounts designed specifically designed to maximise tax-free returns on your investments. But are these a good idea? 

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