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Stocks and Shares ISA

Stocks & Shares ISA

Make the most of the biggest ever ISA allowance.
Shelter up to £20,000 from tax today.
Important information - please remember that 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 you are unsure of the suitability of your investment please seek advice. Tax rules can change and the value of any benefits depends on individual circumstances.

Whether you're investing for the first time, or you're a seasoned investor, our Stocks & Shares ISA offers an easy-to-manage, tax-efficient solution giving you access to a wide range of investments and tools.

You can choose your own investments from all the leading fund managers, or invest in shares, investment trusts, corporate bonds, gilts or ETFs. Alternatively, simply open your stocks and shares ISA (sometimes referred to as an investment ISA), hold cash and decide where to invest later.

Benefits of our Stocks & Shares ISA

  • Save tax - there is no income tax or capital gains tax to pay on your ISA investments
  • Invest with a financially secure, FTSE 100 company
  • Open your ISA with a lump sum from £100, or start a monthly direct debit from just £25 per month
  • Top up your account in just a few minutes with a debit card
  • Access your money when you need to

Open a Stocks & Shares ISA

Stocks & Shares ISA investment options

A ready-made ISA portfolio provides a hassle-free and tax efficient way to invest, with a low minimum investment of £1,000. You can hold other ISA investments alongside your ready-made portfolio if you wish.

Why choose a ready-made ISA portfolio?

  • A simpler way to invest
    Easy to get started - you choose from six pre-built portfolios; each with a different investment goal and level of risk.
  • Leave it to the experts
    Built using our own range of funds, a ready-made ISA portfolio leaves the day-to-day management to leading fund managers.
  • Keep on track
    Our investment team will regularly rebalance the portfolio, selling a little of what has done well and reinvesting it elsewhere - helping to increase performance potential whilst spreading the risk.

Start a ready-made ISA portfolio today

All you'll need is a debit card and your National Insurance Number

Choose a ready-made portfolio

Our do-it-yourself stocks and shares ISA places you firmly in control, with a wide investment choice and a variety of tools to assist you with your investment decisions.

Where can you invest?

  • Funds
    Over 2,500 funds available with no charge when you buy and sell funds, plus a low-cost reinvestment service.
  • Shares
    Choose from shares listed on the UK, US, Canadian and European stock markets. Buy or sell shares from £11.95 per trade online, and frequent traders can pay as little as £5.95 per trade.
  • Corporate and government bonds, ETFs and investment trusts

Open your ISA in under 5 minutes

All you'll need is a debit card and your National Insurance number

Open a Stocks & Shares ISA

Help choosing your own investments

Select your own investments from our research team's Wealth 150 list of favourite funds or use our master portfolio tool to build your own balanced investment portfolio.

Help choosing funds

Our latest investment ideas

Fund name OCF/TER after HL saving
HL Multi-Manager Income & Growth Trust 1.31%
Jupiter India (Class X) 0.69%
FP CRUX European Special Situations (Class I) 0.72%

View our latest ISA investment ideas

Open a Stocks & Shares ISA

Frequently asked questions about the Stocks and Shares ISA

  • The charge to hold funds is tiered within the Stocks & Shares ISA:

    • 0.45% per annum on the first £250,000 of funds
    • 0.25% on the value of funds between £250,000 and £1m
    • 0.1% on the value of funds between £1m and £2m
    • No charge on the value of funds over £2m

    The annual charge to hold shares, bonds, Investment Trusts, ETFs or gilts in our Stocks & Shares ISA is 0.45% (capped at £45 per annum)

    For further information please view the ISA charges and interest rates page.

  • Yes. In order to transfer shares into an ISA they must be sold and then bought back within the ISA wrapper. This is known as a Bed & ISA.

  • There is no charge for buying, selling or switching funds within your ISA. All you will pay is the initial charge of the fund less any discount we offer (please refer to the factsheet of your chosen fund for more information). Share dealing within your ISA is subject to our stockbroking tariff, please see our ISA charges for details.

  • Our Stocks & Shares ISA allows you to invest in a wide range of investments including unit trusts and OEICs, shares, investment trusts, ETFs, corporate bonds and gilts.

    Find out more about where you can invest

    Our service is designed for investors who are happy to make their own investment choices, but if you are unsure where to invest, please see our ISA investment ideas for help.

  • Your Stocks and Shares ISA can be set up to treat income in one of three ways:

    • Reinvested: We will automatically reinvest income for funds, shares and other investments when it reaches £10 per holding. A dealing commission of 1% will apply (£1 minimum, £10 maximum).
    • Held on account: Income will be held on your account pending your further investment instructions.
    • Paid out as income: Income will be paid out directly to a nominated bank/building society account. This payment will be made within ten working days of the end of each month.

    The instruction you give will apply to all income paying holdings within your Stocks & Shares ISA.

View more Stocks and Shares ISA FAQs

Open a Stocks & Shares ISA

97% of clients rated our Stocks & Shares ISA good, very good or excellent.

Source: HL survey, May 2016, 1,045 respondents

Recent awards

Best Self-select ISA Provider 2014

Best Self-select ISA Provider 2014
Investors Chronicle
Best ISA Provider 2014
Best ISA Provider 2014
Money Week

Our Stocks & Shares ISA offers an easy-to-manage, tax-efficient way to help your money grow. Make the most of your ISA allowance this year - pick from our range of investments, start a ready-made ISA or alternatively hold cash and decide where to invest later.

How much can I put into my ISA?

This tax year you can invest up to £20,000 in ISAs (the tax year runs from 6 April 2017 to 5 April 2018).

You can invest the full amount (up to £20,000) into a Stocks & Shares ISA. Alternatively, you can split as desired between a Stocks & Shares ISA, a Cash ISA, a Lifetime ISA (maximum £4,000 per year) and an Innovative Finance ISA, providing you stay within the overall £20,000 limit.

Making a payment

Please ensure you read the Key Features before making a payment.

  • Make a payment online

    You can put money into your ISA online any time; simply log in to your account and top up using a debit card.

  • Cheque and phone payments

    You can post a cheque or call us on 0117 980 9950 to make a debit card payment.

  • Easy trading

    Invest the money when you like. Choose the investment now, or hold cash and choose later.

Make a payment online

Please ensure you read the Key Features before making a payment.

  • Start from as little as £25

    Pay in on a monthly basis from £25 a month. You can choose to invest in funds, FTSE 350 shares or eligible investment trusts, or hold the money as cash until you choose what to do with it.

  • Set up a direct debit

    By setting up a direct debit, we will collect money from your bank account on the 7th of every month. This means you don't have to do a thing.

  • Manage payments how you want

    You can start, stop, increase and decrease your contributions whenever you like.

  • Get started today

    Simply log in to your account and click on the 'Future payments' tab to set up a regular payment. To amend an existing payment, log in to your account and click on the ‘Monthly payments’ tab. Alternatively call us on 0117 980 9950.

Set up a regular payment

Transfer existing ISAs to Hargreaves Lansdown

Transfer existing ISAs, from previous tax years or this tax year, into one easy-to-manage account - and keep all the tax benefits. Simply select one of the below options and we'll do all the leg work for you. It takes on average 2-4 weeks to transfer, depending on the provider.

Transfer online

Online - Available to existing clients with an online account.

Transfer online now

Transfer online

By post - Available to new clients and all existing clients.

Transfer by post

Transfer online

By phone - It's free to transfer funds (unit trusts and OEICs) held inside or outside from an ISA from over 25 companies by telephone.

Find out more

Most popular funds bought in the ISA in December

Below are the most popular ISA funds chosen by our ISA clients in December 2017. Regular savings plan investments are not included. Funds are listed in alphabetical order. Source: HL (internal) - Fund movements in December 17.

They are provided for your interest but are not a guide to how you should invest. Our service is designed for investors who prefer to make their own investment decisions.

Charges | Prices & yields | Annual percentage growth | Features and income

Fund NameNet initial chargeOngoing charge (OCF/TER)Ongoing savingNet ongoing chargeGo to
Fund NameCurrent priceEstimated yield
(variable and not guaranteed)
Go to
Sell (p)Buy (p)Change (p)
Fund NameDiscrete performanceGo to
Jan 13
Jan 14
Jan 14
Jan 15
Jan 15
Jan 16
Jan 16
Jan 17
Jan 17
Jan 18
Fund NameFund sizeNumber of holdingsIncome frequencyPayment typeCorrect as atGo to
First State Asia Focus Wealth 150+ 0.00% 0.90% 0.15% i 0.75% 177.30 177.30 -1.34 0.61% n/a n/a n/a 37.24% 22.47% £179.1m 72 Bi-annually Dividend 17/01/2018
FP CRUX European Special Situations (Class I) Wealth 150+ 0.00% 0.86% 0.14% i 0.72% 291.51 291.51 -0.98 1.29% 22.68% 0.70% 7.84% 31.23% 19.33% £2039.4m 63 Bi-annually Dividend 17/01/2018
Fundsmith Equity (Class I) 0.00% 0.97% 0.00% 0.97% 368.27 368.27 -0.21 0.97% 19.84% 25.33% 10.05% 36.93% 19.70% £9828.9m 29 Bi-annually Dividend 17/01/2018
HL Multi-Manager Balanced Managed Trust 0.00% 1.46% 0.00% 1.46% 241.10 253.52 -0.28 1.12% 15.17% 2.49% 2.07% 22.88% 9.87% £1168.7m 26 Bi-annually Dividend 17/01/2018
HL Multi-Manager Income & Growth Trust 0.00% 1.31% 0.00% 1.31% 202.13 212.66 -0.89 3.96% 25.31% 3.46% 2.45% 16.99% 9.87% £3169.7m 10 Monthly Dividend 17/01/2018
HL Multi-Manager Special Situations Trust 0.00% 1.50% 0.00% 1.50% 379.39 399.33 -0.05 0.63% 19.61% 3.63% 4.06% 25.99% 15.12% £1693.9m 21 Bi-annually Dividend 17/01/2018
LF Lindsell Train UK Equity (Class D) Wealth 150+ 0.00% 0.72% 0.20% i 0.52% 157.71 157.71 -1.49 2.00% 31.99% 7.45% 4.20% 22.21% 16.27% £4679.3m 26 Bi-annually Dividend 17/01/2018
LF Woodford Equity Income Wealth 150+ 0.00% 0.75% 0.15% i 0.60% 129.00 129.00 -0.76 3.46% n/a n/a 9.72% 9.49% 0.02% £8253.6m 129 Quarterly Dividend 16/01/2018
Lindsell Train Global Equity (Class D) Wealth 150+ 0.00% 0.75% 0.20% i 0.55% 199.62 199.62 -0.92 1.10% 26.28% 12.52% 12.51% 34.04% 23.37% £3561.2m 28 Bi-annually Dividend 17/01/2018
Royal London Sterling Extra Yield Bond (Class Y) Wealth 150+ 0.00% 0.83% 0.43% i 0.40% 106.80 106.80 0.08 6.00% n/a n/a 1.94% 12.63% 14.06% £1526.2m 216 Quarterly Interest 16/01/2018

Wealth 150 Wealth 150 Wealth 150+ Wealth 150+ Core tracker Core Tracker n/a - Full year data before date show is not available

More ISA investment ideas

See our ISA charges

Top up Transfer existing ISAs Open an ISA