Nhà cung cấp ISA Cổ phiếu và Cổ phiếu rẻ nhất

Nếu bạn chỉ tập trung vào việc có được ISA Cổ phiếu và Cổ phiếu rẻ nhất, thì dưới đây là so sánh các khoản phí ISA Cổ phiếu và Cổ phiếu từ tất cả các nhà cung cấp chính.

Bảng đầu tiên hiển thị Cổ phiếu và Cổ phiếu rẻ nhất cho những người muốn chọn các khoản đầu tư cơ bản của riêng họ. Bảng giả định rằng bạn chỉ đầu tư vào quỹ ủy thác của đơn vị và thực hiện 10 lần chuyển đổi mỗi năm. Hãy nhớ rằng nếu bạn đang chọn quỹ của riêng mình thì bạn cần phải cho phép thêm 1% đến 1,5% một năm phí quỹ trên đầu các con số được trích dẫn bên dưới. Chỉ cần nhìn vào cột (trên một trong hai bảng) phù hợp nhất với quy mô cổ phiếu và danh mục đầu tư ISA cổ phiếu của bạn để biết ước tính chi phí hàng năm nếu các khoản đầu tư của bạn được giữ với từng nền tảng quỹ.

Bảng thứ hai giả định rằng bạn muốn đầu tư vào cổ phiếu, ủy thác đầu tư hoặc ETF và bạn thực hiện 20 giao dịch mỗi năm. Một lần nữa, bạn sẽ phải trả các khoản phí bổ sung mà số tiền bạn đầu tư vào dựa trên các số liệu được trích dẫn nhưng chúng sẽ khá chuẩn trên tất cả các nền tảng.

Bảng thứ ba là bảng so sánh rô-bốt-cố vấn. Trong trường hợp của bảng tư vấn robot, các số liệu được trích dẫn có tính đến tất cả các khoản phí (tức là tổng chi phí bao gồm phí quỹ)

Cổ phiếu và cổ phiếu ISA rẻ nhất nếu bạn muốn chọn tiền của riêng mình (đơn vị ủy thác)

Chi phí dựa trên quy mô danh mục đầu tư từ £ 5.000 đến £ 250.000 - Giả sử 10 lần chuyển quỹ mỗi năm

Chi phí nhà đầu tư tương tác dựa trên gói dịch vụ ‘Funds Fan. iWeb có phí trả trước £ 100 để mở ISA. Vanguard chỉ cho phép bạn đầu tư vào quỹ của chính nó.

Cổ phiếu và cổ phiếu ISA rẻ nhất nếu bạn muốn đầu tư vào cổ phiếu, ủy thác đầu tư hoặc ETF

Chi phí dựa trên quy mô danh mục đầu tư từ £ 5.000 đến £ 250.000 - Giả sử 20 giao dịch mỗi năm

Interactive Investor cost is based on the ‘Funds Fan service plan. iWeb has a £100 upfront fee to open an ISA.

Cheapest Robo-adviser (who invest your money for you)

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

Scalable Capital has a minimum investment of £10,000. Wealth Horizon applies a 0.25% charge upfront which is included.

Best Cash ISA

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:

• Fixed rate cash ISA best buy table
• Variable rate cash ISA best buy table

How to compare Stocks &Shares ISAs

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.

Step 1 – Do you want to choose your investments or let someone run it for you?

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).

Step 2 – Decide how you want to invest your Stocks and Shares ISA

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?

Kinh phí

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.

Chia sẻ

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.

Step 3 – More things to check when choosing a Stocks and Shares ISA

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.

Dịch vụ khách hàng

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?

Does the Stocks and Shares ISA accept transfers in?

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.

Công cụ và nghiên cứu

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.

Các khoản phí

As mentioned there are a host of charges that Stocks and Shares ISA providers can levy. Chúng bao gồm:

• phí chuyển khoản
• phí tái đầu tư cổ tức
• phí mua hàng
• phí bán hàng
• phí chuyển đổi quỹ
• chênh lệch giá thầu / ưu đãi
• phí của người quản lý quỹ
• phí nền tảng
• phí chuyển khoản

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.

Nếu một liên kết có dấu * bên cạnh, điều này có nghĩa là nó là một liên kết được liên kết. Nếu bạn truy cập liên kết, Money to the Mass có thể nhận được một khoản phí nhỏ giúp giữ Money to the Mass được miễn phí sử dụng. 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

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