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ISA Comparison Table

Stocks & Shares ISAs allow UK investors to invest up to £20,000 in the 2020/2021 tax year. By investing in a Stocks & Shares ISA you don’t pay tax on your investment profits. This means you don’t pay any income tax on dividends or capital gains tax on profits.

Stocks & Shares ISAs put your capital at risk and you may get back less than your original investment. You should seek advice from a professional adviser before making any investment.

UK shares online from £5.95 - £11.95 per trade

Shares, Funds, Trusts, ETFs and more

#1 Platform in UK for Private Investors

  • Award-winning ISA
  • No charge to buy and sell funds
  • FTSE 100 company
  • Manage via app, website or phone
  • Investment research from analysts
  • Useful guides and tools

Maximum annual 0.45% account charge and other charges apply - see website* for full details. The value of investments, and any income from them, can fall as well as rise so you could get back less than you invest. If unsure, please seek advice.

Trade UK shares from as little as £3

Shares, funds and investment trusts

Individual Share Dealing available

  • Trade shares from £3
  • 16,000 global stocks and ETFs
  • FTSE 250 listed company
  • IG Smart Portfolio ISAs
  • Pay no transfer or exit fees
  • Award-winning dealing apps

The value of investments can fall as well as rise, and you may get back less than you invested. Past performance is no guarantee of future results. Trade in your share dealing account three or more times in the previous month to qualify for IGs best commission rates.

Initial investment from £500

UK Digital Wealth Manager

Individual Share Dealing unavailable

  • Management fees 0.25-0.75%
  • Fund Costs 0.17-0.31%
  • Lifetime ISA & Junior ISA
  • Portfolio of ETFs
  • Fixed Allocation service
  • Fully Managed portfolios

Capital at risk. Please seek independent financial advice before undertaking any investments. *Nutmeg fee varies depending on the portfolio choice and amount you invest. See their pricing page for more information

Initial investment from £1,500

UK Digital Wealth Manager

Individual Share Dealing unavailable

  • Management fees 0.35-0.75%
  • Avg. Fund Costs 0.20%
  • Investment Adviser service
  • 7 Risk Profiles
  • General Investment Accounts
  • Pension Drawdown service

By making an investment, your capital is at risk. The value of your Moneyfarm investment depends on market fluctuations outside of our control and you may get back less than you invest. Past performance is no indicator of future performance. The tax treatment of a Moneyfarm Stocks and Shares ISA and a Moneyfarm Pension depends on your individual circumstances and may be subject to change in the future. You should seek financial advice if you are unsure about investing.

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Stocks & Shares ISA Allowance

The Stocks and Shares ISA allowance for 2020/2021 is £20,000. This may be used over one or more ISAs but you must not exceed this £20,000 allowance.

Stocks & Shares ISA Tax Benefits

When you invest in a Stocks and Shares ISA you are exempt from many taxes associated with investing in a general investment account.

Any profits made in a Stocks and Shares ISA are exempt from Capital Gains Tax (CGT), meaning you don’t have to pay tax on gains above £12,300 as you would with a general investment account. Returns earned in the form of income are also exempt from normal taxation. Any income you receive in a Stocks and Shares ISA are exempt from income tax which includes dividends from any shares held.

Stocks and Shares ISA Deadlines

The deadline for making contributions towards your annual allowance is the end of the tax year on 5th April. If you do not use your ISA allowance by this date you lose it.

What can you hold in a Stocks and Shares ISA?

By choosing to invest in a Stock and Shares ISA it Greta improves the range of assets you can choose to place your investments in when compared Cash ISA, which limits you to cash and the interest offered by the Cash ISA provider.

Investing in a Stocks and Shares ISA means your are able to invest in a wide range of Shares, Funds and Investment Trust.

In recent years there has been changes to ISA rules so you can now invest in AIM listed shares which are typically considered to be higher risk than those included in the Main Market and Standard List of the London Stock Exchange.

Risks

Those investing in a Stocks and Shares ISA should be aware of the higher risk of doing so when compared to a Cash ISA. While Cash ISAs current provide very low interest you are not at risk of getting less than you put in as you are with Stocks and Shares ISA. Investing in a Stocks and Shares ISA puts your capital at risk and you may get less than you put in.

Disclaimer: UK Investor Magazine is indépendant of services included in this comparison. The table is provided for our readers general information and is not an invitation to engage in any form of investment activity. We may receive compensation for including companies in the comparison tables. Please consult with a regulated professional before making any form of investment. Please remember that all investment involves risk of losing your capital and some types of investment carry higher risks that are not suitable for all investors.