Læsere og journalister spørger mig ofte, hvilken der er den bedste Aktier og Aktier ISA. Svaret afhænger af dine forhold, og om du vil købe aktier, købe investeringsforeninger, købe børshandlede fonde eller blot købe investeringsforeninger.
Nedenfor fremhæver jeg to af de bedste Aktier og Aktier ISA'er for værktøjer og funktionalitet samt to af de bedste og billigste Aktier og Aktier ISA for begyndere.
- Wealthify
Invester fra så lidt som £1
Fremragende præstation i 2020
Enkelt, lavt platformsgebyr på kun 0,60 %
Tjek vores fulde uafhængige Wealthify-anmeldelse eller besøg Wealthify* for at komme i gang
- Muskatnød
Har en meget længere investeringshistorik end Wealthsimple
Vil give afkald på sine administrationsgebyrer i de første 12 måneder via vores eksklusive tilbud
Investeringsgebyrer falder så lavt som 0,35 % på alt over 100.000 GBP
Tjek vores fulde uafhængige Muskatnød anmeldelse, hvor du kan læse mere om at gøre krav på det eksklusive tilbud
Hvis du blot er bekymret for omkostningerne, leverer vi fondsplatformen Aktier og Aktier ISA sammenligningstabeller senere i denne artikel, hvor vi sammenligner hver ISA-udbyder for at vise de billigste Aktier og Aktier ISA samt den billigste robo-rådgiver for dig. I bunden af denne artikel giver vi også en forklaring på, hvordan man sammenligner og vælger en aktie- og andels-ISA.
Hvis du har brug for adgang til dine penge inden for de næste fem år, ville du være bedre stillet at placere dine penge i en Cash ISA. I dette tilfælde se vores afsnit med titlen Best Cash ISA.
Det fulde beløb, du kan investere i en Aktier og Aktier ISA, er nu £20.000 (for skatteåret 2021/22), og det kan opdeles mellem aktier, ISA-fonde og kontanter.
- interaktiv investor
Godt for almindelige investorer
Tilbyder en række investeringer understøttet af solid forskning
Hver plan kommer med et antal gratis handler
Tjek vores fulde uafhængige interaktive investoranmeldelse
- Hargreaves Lansdown
Vinder af adskillige udbyderpriser
Omfattende aktier og fondsdata
Nyttig smartphone-app
Tjek vores fulde anmeldelse af Hargreaves Lansdown
– Moneyfarm
Et robo-rådgivningsalternativ til Muskatnød og Wealthsimple
Brug en bred vifte af billige ETF'er.
De vælger den rigtige portefølje til dig med et simpelt online spørgeskema.
Se vores fulde uafhængige Moneyfarm-anmeldelse
– InvestEngine
Et lavt gebyr på kun 0,25 % for administrerede porteføljer
Intet platformsgebyr på gør-det-selv-porteføljer
Enkel at bruge app og websted
Se vores fulde uafhængige Investengine-anmeldelse
– Troskab
Typisk servicegebyr er kun 0,35 %
Ekstra besparelser til større porteføljer
Ingen handelsomkostninger
Tjek vores fulde uafhængige Fidelity-anmeldelse
– Charles Stanley
Lav årlig afgift på kun 0,35 %
Gratis handel med penge
Godt for aktive investorer
Tjek vores fulde uafhængige Charles Stanley Direct anmeldelse
– Vanguard
Årligt kontogebyr på 0,15 % på investeringer op til £250.000
Ingen gebyr for investeringer over £250.000
Ingen overførselsgebyrer eller gebyrer for fondsskift
Tjek vores fulde uafhængige Vanguard Investor-anmeldelse
> – Bestinvest
Årligt gebyr på porteføljer på 0,40 % op til 250.000 GBP og 0,20 % op til 1 mio. GBP uden ekstra omkostninger £1 mio.
Ingen handelsomkostninger for midler
Godt for investorer, der foretager regelmæssige handler på grund af de lave handelsomkostninger
Tjek vores fulde uafhængige Bestinvest-anmeldelse
– AJ Bell
Årligt gebyr på 0,25 % på fondsbeholdninger op til 250.000 GBP, 0,10 % 250.000 GBP til 0,50.000 GBP %, £1 million til £2 millioner, ingen årlig afgift over £2 millioner
Regelmæssig månedlig investering i fonde koster 1,50 GBP
Omkostningseffektiv for månedlige investeringer
Tjek vores fulde uafhængige AJ Bell Youinvest anmeldelse
– Wealthsimple
En af de billigste diskretionære investeringstjenester på markedet
Vil administrere de første £10.000 af dine penge gratis i det første år
Dets første års investeringsafkast har været bedre end dets jævnaldrende
Tjek vores fulde uafhængige Wealthsimple anmeldelse
Hvis du kun er fokuseret på at få de billigste Aktier og Aktier ISA, er nedenfor en sammenligning af Aktier og Aktier ISA gebyrer fra alle de store udbydere.
Den første tabel viser de billigste Aktier og Aktier for dem, der ønsker at vælge deres egne underliggende investeringer. Tabellen forudsætter, at du kun investerer i investeringsforeninger og foretager 10 skifter om året. Husk på, at hvis du vælger dine egne midler, skal du tillade yderligere 1 % til 1,5 % om året i fondsgebyrer oven i tallene nedenfor. Du skal blot se på den kolonne (på begge tabeller), der bedst matcher størrelsen af dine aktier og aktier i ISA-porteføljen for at få et estimat over de årlige omkostninger, hvis dine investeringer blev holdt med hver fondsplatform.
Den anden tabel forudsætter, at du vil investere i aktier, investeringsforeninger eller ETF'er, og at du foretager 20 handler om året. Igen skal du betale yderligere gebyrer, der opkræves af de fonde, du investerer i, oven i de angivne tal, men de vil være ret standard på tværs af alle platforme.
Den tredje tabel er en robo-rådgiver sammenligningstabel. I tilfælde af robo-rådgivningstabellen tager de angivne tal højde for alle gebyrer (dvs. de samlede omkostninger inklusive fondsgebyrer)
Omkostninger baseret på porteføljestørrelse fra £5.000 til £250.000 – forudsætter 10 fondsskift om året
| Pris pr. fond transaktion | £5.000 portefølje | 10.000 £ portefølje | 20.000 £ portefølje | £50.000 portfolio | 100.000 £ portefølje | 250.000 £ portefølje | |
| AJ Bell YouInvest* | £1,50 | £43 | £55 | £80 | £155 | £280 | £655 |
| Barclays Smart Investor | £3 | 108 £ | 108 £ | 108 £ | £160 | £260 | 560 £ |
| BestInvest* | Gratis | £20 | £40 | £80 | £200 | 400 £ | £1.000 |
| Charles Stanley Direct | Gratis | £18 | £35 | £70 | £175 | 350 £ | 875 £ |
| Fidelity International* | Gratis | £45 | £45 | £70 | £175 | 350 £ | 875 £ |
| Halifax Share's &Dealing Website | £12,50 | £263 | £263 | £263 | £263 | £263 | £263 |
| Hargreaves Lansdown* | Gratis | £23 | £45 | £90 | £225 | £450 | £1.125 |
| Interaktiv investor* | 3,99 £ eller £7,99 | 168 £ | 168 £ | 168 £ | 168 £ | 168 £ | 168 £ |
| InvestEngine* | Gratis | 13 GBP | 25 GBP | 50 GBP | 125 £ | 250 £ | 625 £ |
| iWeb | £5 | £200 | £200 | £200 | £200 | £200 | £200 |
| Strawberry | Gratis | £24 | £30 | £60 | £150 | £250 | 550 £ |
| Vanguard | Gratis | £8 | £15 | £30 | £75 | £150 | 375 £ |
| Willis Owen | Gratis | £20 | £40 | £80 | £200 | 350 £ | £650 |
Interaktive investoromkostninger er baseret på 'Funds Fan-serviceplanen'. iWeb har et forhåndsgebyr på £100 for at åbne en ISA. Vanguard giver dig kun mulighed for at investere i sine egne midler.
Omkostninger baseret på porteføljestørrelse, der spænder fra £5.000 til £250.000 – forudsætter 20 handler om året
| Enkelt Handelsomkostninger | Almindelig Investing cost | £5,000 | £10,000 | £20,000 | £50,000 | £100,000 | £250,000 | |
| AJ Bell Youinvest* | £9.95 | £1.50 | £212 | £224 | £229 | £229 | £229 | £229 |
| Barclays Smart Investor | £6.00 | £1.00 | £168 | £168 | £168 | £170 | £220 | £370 |
| Bestinvest* | £7.50 | £170 | £190 | £230 | £350 | £550 | £1,150 | |
| Charles Stanley Direct | £11.50 | £254 | £265 | £300 | £405 | £470 | £470 | |
| Close Brothers Self Directed Service | £8.95 | £192 | £204 | £229 | £304 | £429 | £804 | |
| Equiniti Shareview | £12.50 | £1.75 | £263 | £275 | £295 | £295 | £295 | £295 |
| Fidelity Personal Investing* | £10.00 | £245 | £245 | £245 | £245 | £245 | £245 | |
| Halifax Share's &Dealing Website | £12.50 | £2.00 | £263 | £263 | £263 | £263 | £263 | £263 |
| Hargreaves Lansdown* | £11.95 | £1.50 | £262 | £284 | £284 | £284 | £284 | £284 |
| iDealing | £9.90 | £218 | £218 | £218 | £218 | £218 | £218 | |
| IG | £8.00 | £160 | £160 | £160 | £160 | £160 | £160 | |
| Interactive Investor * | £3.99 | £168 | £168 | £168 | £168 | £168 | £168 | |
| iWeb | £5.00 | £200 | £200 | £200 | £200 | £200 | £200 | |
| Strawberry | £7.50 minimum or 0.04% | £174 | £180 | £210 | £300 | £1,000 | £2,500 | |
| Willis Owen | £7.50 | £1.50 | £170 | £190 | £230 | £350 | £500 | £800 |
| X-O | £5.95 | £119 | £119 | £119 | £119 | £119 | £119 |
Interactive Investor cost is based on the ‘Funds Fan service plan. iWeb has a £100 upfront fee to open an ISA.
Robo-advice is the term that's been given to online investment managers which provide an investment product like an ISA where they invest your money for you. Technically robo-advisers don't actually give you advice but instead they offer a limited number of portfolios (from low risk to high risk) from which you select one. They then invest your money and usually at low cost using exchange-traded funds (ETFs).
Picking the best robo-advisor isn't just about picking the cheapest you need to also consider investment performance. The table below gives the cost for each size of ISA portfolio for the list of UK robo-advisers. The cost quoted is the charge applied by the robo-advisor to run your money plus the costs of the underlying investments (ETFs).
Based on portfolio size ranging from £5,000 to £250,000
| £5,000 portfolio | £10,000 portfolio | £20,000 portfolio | £50,000 portfolio | £100,000 portfolio | £250,000 portfolio | |
| Evestor | 25 £ | £49 | £98 | £245 | £490 | £1,225 |
| Moneybox | £46 | £80 | £148 | £352 | £692 | £1,712 |
| Moneyfarm* | £52 | £104 | £178 | £445 | £790 | £1,600 |
| Nutmeg fully managed* | £50 | £100 | £200 | £500 | £1,000 | £1,500 |
| Nutmeg fixed portfolio* | 34 £ | £68 | £136 | £340 | £680 | £1,200 |
| Nutmeg socially responsible portfolio* | £57 | £113 | £226 | £565 | £1,130 | £1,825 |
| Scaleable capital | n/a | £91 | £182 | £455 | £910 | £2,275 |
| True Potential | £58 | £116 | £232 | £580 | £1,160 | £2,900 |
| Wealth Horizon | £57 | £114 | £228 | £570 | £1,140 | £2,850 |
| Wealthify* | £41 | £82 | £164 | £410 | £820 | £2,050 |
| Wealthsimple | £45 | 90 £ | £180 | £450 | £700 | £1,750 |
Scalable Capital has a minimum investment of £10,000. Wealth Horizon applies a 0.25% charge upfront which is included.
If you do not have an investment timeframe of at least 5 years (i.e. you will need access to your cash within 5 years) then you would be better off placing your money in a cash ISA rather than in an investment ISA. That is because when you take out a Stocks and Shares ISA you will be Investing in shares, funds, bonds, investment trust or exchange traded funds (ETFs) all of which carry investment risk and the potential to lose money as well as make it. Below are links to our latest cash ISA best buy tables:
Under the current ISA rules you can choose to invest some of your ISA allowance in a cash ISA and the balance of your ISA allowance in a Stocks and Shares ISA if you wish.
There are two options when it comes to investing in a Stocks and Shares ISA. You can choose to pick the underlying investments (funds or shares) yourself or let someone take care of picking and running the investments for you. If you want to have control over how your money is invested then jump to step 2 below.
If you'd rather let someone run your money for you at low cost while optimising performance then you would be better off choosing what the press has coined a ‘robo-advisor'. Robo-advisers will put your money in a diversified portfolio based on the amount of risk you want to take. They will then manage the investment for you which you can view and monitor online. The ‘Best Managed Stocks and Shares for beginners' shown above is a robo-advisor which has managed to combine strong investment performance with low costs. If you just want to pick the cheapest robo-adviser then you can check out our robo- adviser comparison table above.
Steps 2 and 3 below provide further advice for those investors wanting to invest their own money themselves (so-called DIY investors).
If you plan to invest your ISA allowance yourself then when you compare Stocks and Shares ISAs the cheapest ISA provider or platform for you will depend on what you want to invest in. When you invest in a stocks and shares ISA there are a range of charges. Firstly there is the charge of the underlying fund or asset you are investing in. Then there are the charges levied by the broker or fund platform (often called a fund supermarket). Every Stocks and Shares investment ISA provider levy different charges based on what you invest in and how much you have invested with them. For example there may be additional charges levied for investing in shares or investment trusts. So what might you invest in?
Most DIY investors will invest in funds which in turn buy shares and other assets, such as corporate bonds. Funds (a term which includes investment trust. unit trusts and ETFs) are called collective investments. They pool investors money together to benefit from economies of scale and then invest that money in assets such as shares or bonds. Actively managed investment funds have a fund manager who chooses the underlying investments. Meanwhile, passive investments simply track an index such as the FTSE 100 index using computers. If you are considering investing in funds then I recommend downloading this FREE guide to investing in funds. It's the best guide I've come across on the topic and tells you all you need to know including how to get started with buying funds.
If you want to buy shares within your Stocks and Shares ISA this limits your choices in terms of which would be the best provider for you. Some Stocks and Shares ISA providers do not offer the stockbroking facility required to buy shares directly. Investing directly in shares is a riskier investment strategy as while it can be profitable it increases the chances of a potential loss.
Once you know what type of investments you wish to buy that makes life a lot easier. If you want to buy shares and investment trusts your options are much more limited. If, like most investors, you want to just invest in Stocks and Shares ISA funds then you need to consider other factors to screen down your choices. For now we will set cost to one side and come back to it later. Competition among funds supermarkets and online brokers is growing increasingly fierce so costs are falling all the time.
There has been a mini-explosion in new Stocks and Shares ISA providers, after all it can be a lucrative market if providers get the proposition right. To many of the new online providers that means keeping their own costs low, by that I don't mean the costs you pay but how much time and money they have to spend administering your investments.
As such, the level of service some provide is pretty minimal. You need to decide if being able to speak to someone on the phone if things go wrong is important to you. You need to decide whether you want a slick user experience with the ability to buy and sell investments quickly and easily. Would you like to be able to check your investments via your smartphone, if so do they have a smartphone app?
If you already have an existing stock and shares ISA portfolio you might want to consolidate them all with one provider. If so check what their rules and charges for doing so are.
Some Stocks and Shares ISA providers offer tools and some research (albeit limited). However most don't. Would you like a tool that can help you to pick the best ISA funds for your objectives? If so check they offer these. I highlight some of the best stocks and shares ISA providers in the next section and detail what they offer.
As mentioned there are a host of charges that Stocks and Shares ISA providers can levy. They include:
Make sure you understand these charges and are happy with them. However, you shouldn't just focus on cost but instead, consider value for money as well as the level of service provided.
Hvis et link har en * ved siden af sig betyder det, at det er et tilknyttet link. Hvis du går via linket, kan Money to the Masses modtage et lille gebyr, som hjælper med at holde Money to the Masses gratis at bruge. The following link can be used if you do not wish to help Money to the Masses or take advantage of any exclusive offers – Wealthify, Hargreaves Lansdown, Interactive Investor, Moneyfarm, Nutmeg, AJ Bell, Fidelity, Bestinvest
(image by worradmu. freedigitalphotos.net)