読者やジャーナリストは、どれが最高の株式と株式のISAであるかをよく尋ねます。答えは、あなたの状況と、株式を購入するか、投資信託を購入するか、上場投資信託を購入するか、単にユニットトラストを購入するかによって異なります。
以下では、ツールと機能に最適な2つの株式と株式のISAと、初心者向けの最高で最も安価な2つの株式と株式のISAを紹介します。
-富化
わずか1ポンドからの投資
2020年の優れたパフォーマンス
シンプルで低プラットフォーム料金はわずか0.60％
完全に独立したWealthifyレビューを確認するか、Wealthify *にアクセスして開始してください
-ナツメグ
ウェルスシンプルよりもはるかに長い投資実績があります
限定オファーにより、最初の12か月の管理手数料を免除します
投資手数料は、£100,000を超えるもので0.35％まで下がります
独占オファーの請求について詳しく読むことができる完全に独立したNutmegレビューをチェックしてください
単にコストに関心がある場合は、この記事の後半でファンドプラットフォームの株式と株式のISA比較表を提供します。ここでは、最も安い株式と株式のISAと、最も安いロボアドバイザーを示すために、すべてのISAプロバイダーを比較します。この記事の最後に、株式と株式のISAを比較して選択する方法についても説明します。
今後5年以内にお金にアクセスする必要がある場合は、現金ISAにお金を入れるほうがよいでしょう。この例では、Best CashISAというタイトルのセクションを参照してください。
Stocks and Shares ISAに投資できる全額は、現在£20,000（2021/22課税年度）であり、株式、ISAファンド、および現金に分割できます。
-インタラクティブな投資家
通常の投資家に適しています
確かな調査に裏打ちされたさまざまな投資を提供します
各プランには多数の無料取引が含まれています
完全に独立したインタラクティブインベスターレビューをご覧ください
-ハーグリーブスランズダウン
多数のプロバイダー賞を受賞
包括的な株式とファンドのデータ
便利なスマートフォンアプリ
ハーグリーブスランズダウンの完全なレビューをご覧ください
– Moneyfarm
ナツメグとウェルスシンプルのロボアドバイス
さまざまな低コストETFを使用してください。
彼らは、簡単なオンラインアンケートであなたにぴったりのポートフォリオを選択します。
完全に独立したMoneyfarmレビューをご覧ください
– InvestEngine
マネージドポートフォリオのわずか0.25％の低料金
DIYポートフォリオのプラットフォーム料金はありません
使いやすいアプリとウェブサイト
完全に独立したInvestengineレビューをご覧ください
–忠実度
通常のサービス料金はわずか0.35％です
大規模なポートフォリオの追加の節約
取引手数料なし
完全に独立したFidelityレビューをご覧ください
–チャールズスタンリー
年間料金はわずか0.35％と低い
無料の資金取引
アクティブな投資家に適しています
完全に独立したCharlesStanleyDirectレビューをご覧ください
–ヴァンガード
最大£250,000の投資に対する年会費0.15％
£250,000を超える投資は無料
振込手数料やファンド切り替え手数料はありません
完全に独立したVanguardInvestorのレビューをご覧ください
> –ベストインベスト
ポートフォリオの年間料金は、0.40％から£250,000までおよび0.20％から£1mまでで、追加料金はかかりません。 100万ポンド
資金の取引手数料はかかりません
取引コストが低いため、定期的な取引を行う投資家に適しています
完全に独立したBestinvestレビューをご覧ください
–AJベル
250,000ポンドまでのファンド保有に対する0.25％の年間費用、0.10％250,000ポンドから100万ポンド、0.05 ％、100万ポンドから200万ポンド、200万ポンドを超える年間料金なし
ファンドへの通常の月額投資は£1.50です
毎月の投資に対して費用効果が高い
完全に独立したAJBellYouinvestレビューをご覧ください
– Wealthsimple
市場で最も安価な裁量投資サービスの1つ
最初の1年間で最初の10,000ポンドを無料で管理します
初年度の投資収益率は同業他社よりも優れています
完全に独立したWealthsimpleレビューをチェックしてください
最も安い株式と株式のISAを取得することにのみ焦点を当てている場合は、以下はすべての主要プロバイダーからの株式と株式のISA料金の比較です。
最初の表は、独自の原資産投資を選択したい人にとって最も安い株式と株式を示しています。この表は、ユニットトラストファンドにのみ投資し、年間10回の切り替えを行うことを前提としています。あなたがあなた自身の資金を選ぶならば、あなたは以下に引用された数に加えて資金料金で追加の1％から1.5％を考慮する必要があることを覚えておいてください。投資が各ファンドプラットフォームで行われた場合の年間コストの見積もりについては、株式と株式のISAポートフォリオのサイズに最も近い列（いずれかの表）を確認してください。
2番目の表は、株式、投資信託、またはETFに投資し、年間20回の取引を行うことを前提としています。繰り返しになりますが、引用された数値に加えて、投資した資金によって課される追加料金を支払う必要がありますが、それらはすべてのプラットフォームでかなり標準的です。
3番目のテーブルはロボアドバイザーの比較テーブルです。ロボアドバイステーブルの場合、引用された数値はすべての料金（つまり、ファンドの料金を含む総費用）を考慮に入れています
5,000ポンドから250,000ポンドの範囲のポートフォリオサイズに基づくコスト–年間10回のファンド切り替えを想定
| ファンドあたりの費用 トランザクション | £5,000ポートフォリオ | £10,000ポートフォリオ | £20,000ポートフォリオ | £50,000ポートフォリオ | £100,000ポートフォリオ | £250,000ポートフォリオ | |
| AJ Bell YouInvest * | >£1.50 | £43 | £55 | £80 | £155 | £280 | £655 |
| バークレイズスマートインベスター | £3 | £108 | £108 | £108 | £160 | £260 | £560 |
| BestInvest * | 無料 | £20 | £40 | £80 | £200 | £400 | £1,000 |
| Charles Stanley Direct | 無料 | £18 | £35 | £70 | £175 | £350 | £875 |
| Fidelity International * | 無料 | £45 | £45 | £70 | £175 | £350 | £875 |
| Halifax Share's＆Dealing Website | £12.50 | £263 | £263 | £263 | £263 | £263 | £263 |
| Hargreaves Lansdown * | 無料 | £23 | £45 | £90 | £225 | £450 | £1,125 |
| Interactive Investor * | £3.99または£7.99 | £168 | £168 | £168 | £168 | £168 | £168 |
| InvestEngine * | 無料 | £13 | £25 | £50 | £125 | £250 | £625 |
| iWeb | £5 | £200 | £200 | £200 | £200 | £200 | £200 |
| 無料 | £24 | £30 | £60 | £150 | £250 | £550 | |
| ヴァンガード | 無料 | £8 | £15 | £30 | £75 | £150 | £375 |
| Willis Owen | >無料 | £20 | £40 | £80 | £200 | £350 | £650 |
インタラクティブ投資家の費用は、「ファンファンサービスプラン」に基づいています。 iWebには、ISAを開くための100ポンドの前払い料金があります。 ヴァンガードはあなたが自分の資金に投資することだけを許可します。
5,000ポンドから250,000ポンドの範囲のポートフォリオサイズに基づくコスト–年間20回の取引を想定
| 単一貿易コスト | 通常投資コスト | £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.
リンクの横に*が付いている場合、これはアフィリエイトリンクであることを意味します。リンクを経由する場合、Money to the Massesは、Money to theMassesを無料で使用できるようにするための小額の料金を受け取る場合があります。 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)