Stocks & Shares Individual Savings Account – ISA
Invest up to £20,000 a year tax-free with a Stocks & Shares ISA
With investment, your capital is at risk. Taxation depends on individual circumstances. ISA and tax rules may change
What is a Stocks & Shares ISA?
A Stocks & Shares ISA – or Investment ISA – is a tax-efficient investment account. It’s good to remember ISA rules can change and their benefits depend on your circumstances. You can:
Maximise generous annual allowances
Invest up to £20,000 each tax year and up to £9,000 for children in a Junior ISA. For a family of four this equates to a tax-free allowance of £58,000 a year.
Keep more of your money
Leave your money to grow year on year – there is no income tax or capital gains tax due on anything your ISA investments earn.
Access a wide range of investments
Bestinvest offers a huge range of quality investments including shares, funds, investment trusts and Exchange-traded funds (ETFs) – or you can choose a risk-rated Ready-made Portfolio.
Withdraw your money anytime
…unlike some fixed-term cash ISAs. But do remember investing is for the long term – we suggest at least three years – as the value can go down as well as up.
Who can have a Stocks & Shares ISA?
Almost anyone! Just so you know:
- You need to be at least 18 years old. Junior Stocks & Shares are available for children too
- It’s important that you’re a UK resident for tax purposes
- You can set one up if you have opened a cash or other ISA this tax year – as long as you still have unused allowance available
- You can only open one Stocks & Shares ISA each tax year, unless you transfer your other Stocks & Shares ISA and unused allowance across to Bestinvest or another provider
Investments for your ISA
The performance of your ISA depends on the success of the investments you choose. When you become a Bestinvestor, we’ll make sure you have everything you need to succeed.
Funds
Access investment opportunities across different sectors and around the world. Take your pick from almost 2,000 funds including ETFs and investment trusts. It’s easy to look for the ones you want with comparison tools and insightful fund factsheets.
Shares
Whether it’s big-name US brands or familiar UK-listed companies you want for your ISA, Bestinvest has you covered. Our investment search tool makes it easy for investors to browse our big range of quality UK and US shares.
Ready-made Portfolios
Ready-made Portfolios give you the option to buy a portfolio built and managed by the investment team at Evelyn Partners, our parent company (they manage over £50 billion). Once you’ve picked the portfolio you want, you don’t have to do anything else. Our experts will do the rest.
Start thinking about tomorrow, today
Open a Stocks & Shares ISA and bring your goals forward
Why choose Bestinvest for your Stocks & Shares ISA?
You’ll find everything you need at Bestinvest to make a success of your Investment ISA:
Big investment choice
Choose from 1000s of investments including funds, ETFs and investment trusts, plus UK and US shares. Don’t want to pick your own investments? Go for a Ready-made Portfolio
Excellent value for money
Tiered service fees from 0.2% a year for Ready-made Portfolios and 0.4% a year for other funds. It’s free to set up, buy and sell funds. It’s £4.95 per online trade for UK shares, no online dealing fees for US shares and a 0.95% foreign exchange fee
Open your Investment ISA in minutes
Open your account and start investing in minutes. You can manage your investments online or through the Bestinvest app
Free coaching, tools and resources
Get more from your investment choices with tools and resources such as investment guides and free 45-minute coaching sessions whenever suits you with no ongoing commitment.
Award-winning service
We’ve won many awards for our products and services since the 1980s, including Boring Money Best Buy ISA winner (2023) and Best Stocks and Shares ISA Provider at the second Online Money Awards
Free investment coaching
Got questions about investing? Our Bestinvest Coaches are qualified financial planners, they can help you understand if your investment choices line up with your objectives and the level of risk you’re willing to take when investing.
How much does it cost to invest in a Bestinvest Stocks & Shares ISA?
Account fees for our cost-effective and award-winning Stocks & Shares ISA depend on the value of the investments in your ISA and the type of investments you choose. Our service fees for instance are capped at 0.4% per annum for funds and UK shares, and 0.2% a year for one of our risk-rated Ready-made Portfolios.
Please note the images here shows what our online investor tool, Grow my money looks like.
Frequently asked questions about Stocks & Shares ISAs
What’s the minimum amount I can invest in a Stocks & Shares ISA?
With Bestinvest you can invest from as little as £50.
Can I pay cash into an investment ISA?
Yes, you can add cash to your Stocks & Shares ISA and leave it there until you’re ready to invest. Your money does not sit idle – Bestinvest cash balances earn 4.45% AER (as of April 2024). It’s good to know that our cash rate is set by our custodian (SEI investments) and is subject to change without notice.
Can I transfer other ISAs into the Bestinvest ISA?
Yes. First, you’ll need to open a Bestinvest account and then it’s just a few simple steps to get your ISA transferred. We’ll even pay up to £500 towards any exit fees your existing ISA provider may charge – terms and conditions do apply.
How do I choose the best Stocks & Shares ISA provider?
There’s no such thing as the best stocks and shares ISA provider. It really depends on what you’re looking for. Some ISA providers offer a huge range of investments but not much in the way of support to help you get the best from your ISA. Others offer a limited range of investments. Bestinvest offers a broad range of investments and free investment coaching from qualified financial planners, so you are fully supported on your investment journey.