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​Which is the Best ISA to Invest In?

The Very Latest Investment ISA rates

Investment ISAs put your capital at risk & you may get back less than you originally invested

Stocks & Shares ISA

from Nutmeg

Allows ISA Transfers
  • Fund Choice: Nutmeg offer 4 diversified portfolios with ETFs, using technology to keep charges low.
  • Invest From: Min. £500 single

Stocks & Shares ISA

from Hargreaves Lansdown

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 2,500 funds, shares, investment trusts and more to build your portfolio.
  • Invest From: £25 pm

Stocks & Shares ISA

from Fineco

Allows ISA Transfers
  • Fund Choice: A complete multi-currency platform with low fees. Premium trading without premium prices. Choice of worldwide asset managers.
  • Invest From: £100

Stocks & Shares ISA

from AJ Bell

Allows ISA Transfers
Regular Savings
  • Fund Choice: Wide range of stocks and shares, over 2,000 funds (unit trusts and OEICs), investment trusts and ETFs. Capital at risk.
  • Invest From: £25 pm

Stocks & Shares ISA

from Shepherds

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in the Shepherds With Profits Fund which offers medium to low risk investing, with the aim of growing your money in a smooth manner over the long term.
  • Invest From: £30 pm

Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Access 40,000+ UK, US and international shares on 17 global exchanges. Choose from over 3,000 funds.
  • Invest From: £25 pm

Share Dealing ISA

from IG

Allows ISA Transfers
  • Trade From (frequent trader rate): £3.00
  • Trade From (standard trader rate): £8.00

Stocks & Shares ISA

from Fidelity

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 4,000 investment options, including one of the widest fund ranges in the UK.
  • Invest From: £25 pm

Stocks & Shares ISA

from Moneyfarm

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have it matched to an investment portfolio expertly built and managed.
  • Invest From: £1,500

Stocks & Shares ISA

from Wealthify

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have an investment Plan built and managed for you.
  • Invest From: £1

Which is the Best ISA to Invest In?

Investment ISAs are becoming a popular choice to counteract the low interest rates offered by banks. More and more providers are making it very simple for people to begin investing by offering clear charges, ready-made portfolios and even managed accounts.

Two types of investment ISA:

Innovative Finance ISA - These ISAs involve peer to peer lending. You effectively act like a bank, people borrow money off you and pay it back over a period of time with interest. The idea is that you can get much higher interest rates than with a Cash ISA but without the risk of a Stocks and Shares ISA. The main risks include borrowers defaulting on their payments. This can be avoided by spreading your loan over a high number of borrowers. As this ISA is still relatively new, there are a few providers but this market is expanding rapidly.

Stocks and Shares ISA – These ISAs can (and traditionally do) offer higher returns than a Cash ISA. Customers can invest in the stock market as well as gilts, bonds and propert. The tax-free wrapper makes it an attrative way to invest.

Picking the right account for you can be daunting if you’re new to investing so we’ve highlighted some of the best accounts for you below.

Best for Fund Choice:

Hargreaves Lansdowne Investment ISA offers over 2,500 funds and a lot of advice in the form of newsletters and articles. If you need to learn more about investing, their website is a great place to start.

Features:
  • You can access your money at any time
  • 24/7 access to your account with online banking
  • Invest with a financially secure, FTSE 100 company
  • Open your ISA with a lump sum from £100, or start a monthly direct debit from just £25 per month
  • Top up your account in just a few minutes with a debit card
  • Hargreaves Lansdown offer two types of Socks and Shares ISA:

    Ready-made ISA: this account offers a simpler way to invest. This account allows you to choose from six pre-built portfolios which allow you to choose your investment goal and level of risk. It’s perfect for people who are new to investing, currently lack the confidence to choose their own funds or simply don’t have time to research potential investments.

    With this account, your portfolio is regularly rebalanced to increase performance.

    Do-it-yourself ISA: this option allows you to invest in over 2,500 funds with no charge when you buy and sell funds. You will be able to choose from shares listed on the UK, US, Canadian and European stock markets.

    Best for Accessibility:

    Axa also offer a wide range of domestic and international funds but with an easy to navigate portfolio and descriptions on each fund page, Axa also makes it easy for people new to investing.

    Axa is also one of the cheapest options.

    Features:

  • Invest from as little as £50 per month or a lump sum of £500 or more
  • Earn a variable rate of interest on any cash held in your ISA while you decide where to invest
  • Take control of your own investments through our online service
  • UK based customer support team
  • 24/7 access to your account online or using their app
  • Best High Street Bank

    ISAs can help you grow your investments faster over time. This is because you won’t be taxed on any returns you make on your investments within an ISA. With the Lloyds Investment ISA you can:

  • Choose between their three managed funds to invest all or part of your annual ISA allowance: lower, medium, or higher risk and potential return
  • Start investing from £100 a month, or if you are looking to invest an initial lump sum the minimum is £2,000. Alternatively, you can do both.
  • Transfer money in from an existing cash or stocks and shares ISA and preserve the tax efficient status as long as you follow the correct procedure
  • Use Internet Banking to monitor your Investment ISA’s performance, top up your investment, set up regular investments, or switch your money between their three managed funds
  • You can sell all or part of your investment at any time and we won’t charge you a fee for doing so
  • Here are just some of the great options on offer within the Investment ISA market. There are many others to consider. Please check our tables for comparisons and latest rates.

    Recommend Fidelity's Stocks & Shares ISA to a friend and you could be rewarded!

    Are you an existing Fidelity ISA customer?

    If you refer a friend to Fidelity and they open a new Stocks and Shares ISA online with a lump sum of £5,000 or more, you’ll both receive a £50 Amazon Gift Card as a thank you! 

    Sign up today to start referring your friends

    - Refer multiple friends

    - Receive a £50 Amazon gift card for each friend you refer that meets the criteria*

    - Online applications only

    Both you and your friends will need to register for the offer. Exclusions apply, please read Fidelity's full offer terms and conditions for details.

    *The maximum value of rewards which can be received is £1,500

    Important information - the value of investments can go down as well as up, so you may get back less than you invest. Tax treatment depends on individual circumstances and all tax rules may change in the future. 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.

    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.

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    Stocks & Shares ISAs

    Invest tax-free in stocks and shares 

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    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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