ISA Investment Ideas
The latest investment ideas for a Stocks and Shares ISA
Important information: Investing for longer increases the likelihood of positive returns. Over a period of five years or more, investments usually give you a higher return compared to cash savings. But investments can go down as well as up in value, so you could get back less than you put in.
This isn’t personal advice – please ask us for advice if you’re not sure which investments are right for you. ISA and tax rules can change and benefits depend on your circumstances.
Build your own ISA
It’s easy to start investing with the HL Stocks and Shares ISA. If you know where you’d like to invest, you can get going as soon as your ISA is open.
But if you’re looking for some ISA investment inspiration, these ideas could help.
Before you start
Read our checklist before making a start if you’re investing for the first time.
Pick a Ready-Made Investment
Looking to invest your ISA but unsure where to start? Leave the day-to-day decisions to the experts with HL Ready-Made Investments.
Choose an investment to match your goals and risk profile to get started.
Choose your own funds
If you’re comfortable choosing your own funds for an ISA, our Wealth Shortlist could help to narrow your search. It features funds chosen by our analysts for their long-term potential: you can filter the list to find the right ones for you.
Latest fund ideas for an ISA
These funds have been chosen by our investment research experts. We believe they could make great investments for a Stocks and Shares ISA.
But they’re not personal advice. Investing in these funds isn’t right for everyone. Investors should only invest if the fund’s objectives are aligned with their own, and there’s a specific need for the type of investment being made. Investors should understand the specific risks of a fund before they invest, and make sure any new investment forms part of a diversified portfolio.
Investments rise and fall in value, so you could get back less than you invest. If you’re not sure an investment is right for you, seek advice.
Total return funds are more conservative than funds that invest fully in company shares. They normally invest in a mix of investments including shares, bonds, commodities and currencies. They could help provide modest growth for your investment portfolio over the long term, and help shelter your money when stock markets fall, but are unlikely to keep up with stock markets when they rise quickly.
We think the fund could form the foundation of a broad investment portfolio, has the potential to bring some stability to a more adventurous portfolio, or provide some long-term growth potential to a more conservative portfolio.
Troy Trojan
Aims to grow investors' money steadily over the long run, while limiting losses when markets fall.
Invests in a mix of investments including shares, bonds, commodities and currencies and includes some of the world's best-known companies with highly recognisable brands.
The fund has the flexibility to invest in higher-risk smaller companies and while the fund contains a diverse range of investments, it is concentrated, which is a higher-risk approach.
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Over the years, rapid industrialisation, growing populations, and a desire to succeed have helped transform countries in the Asia region. Domestic consumption is set to be a key driver of growth over the coming years, helped by a young and growing population, and rising wealth. Continued innovation from companies at the forefront of technology based there could also provide exciting growth opportunities for investors. However, younger economies mean the risks are greater and more volatility should be expected. While Asia is home to developed markets such as Hong Kong and Singapore, others, including China and India, are still emerging so a long investment horizon is essential to help ride out the ups and downs.
FSSA Asia Focus
This fund is run by a manager and team with a great pedigree of investing in Asia.
We like the culture and philosophy at FSSA – the managers view themselves as stewards of investors' capital, looking after it as though it's their own.
Martin Lau has an impressive track record of picking some of the region's best-performing companies over the long run.
The fund invests across Asia including higher risk emerging countries.
Global equity funds provide a good foundation to an investment portfolio focused on long-term growth. Investing in companies across the globe provides a good level of diversification in a single fund. This one provides broad exposure to a range of large and medium-sized companies in developed markets, such as the US, Japan and Europe, while being mindful of environmental, social and governance (ESG) issues. Responsible investment funds give you the chance to make money in a way that’s in line with your principles.
This fund aims to track the performance of the Solactive L&G ESG Developed Markets Index. It won’t invest in tobacco companies, pure coal producers, manufacturers of armaments or persistent violators of the UN Global Compact Principles.
An index tracker fund is one of the simplest ways to invest, and this one could be a good addition to a broader investment portfolio aiming to deliver long-term growth in a responsible way. The fund has a small amount of exposure to smaller companies, which are higher-risk investments.
Legal & General Future World ESG Tilted and Optimised Developed Index
Aims to provide long-term growth whilst being environmental, social and governance focused.
Invests more than the broader global stock market in companies that score well on a variety of ESG criteria, such as the level of carbon emissions generated and number of women on the board. If companies score poorly on these measures the fund reduces exposure.
Invests in around 1,400 global companies, focused towards sectors such as technology, pharmaceuticals and financials.
UK equity income funds are a convenient way to invest in a mix of dividend-paying UK companies, and to access one of the highest-yielding stock markets in the world. An equity income fund can be a great addition to an ISA portfolio for different reasons. You can take the pay-outs to supplement your income and have a bit of extra cash in your back pocket. Or if you’re targeting growth and aiming to build your portfolio for longer, reinvesting dividends can help grow your pot thanks to the beneficial effect of compounding.
Artemis Income
The managers focus on companies they believe can pay a sustainable level of income, regardless of the economic backdrop. They mainly invest in large UK businesses, but they also invest in some medium-sized and overseas companies when they find great opportunities.
We view this as a more conventional UK equity income fund, given the focus on companies with robust cashflows.
It could help form part of the foundation of an income portfolio, diversify a broader global portfolio, or diversify the income paid by bond funds or a global equity income fund.
The fund takes its charges from capital, which can increase the yield, but reduces the potential for capital growth.
Most popular ISA funds
Discover which funds have been popular in the HL Stocks and Shares ISA.
Before you start
There are a few things to check before investing in an ISA.
You should only consider making an investment if:
You’re willing and able to accept a level of risk and won’t need the money for at least 5 years. With investing, there’s no guarantee of making money and you could get back less than you invest.
You’ve saved a supply of cash that you can access easily for emergencies – a good rule of thumb is to have around 6 months of expenditure.
You want the chance to grow your money more than you could with cash.
You can also read around the subject. We've covered what we think you need to know, from investing essentials, to understanding how to build your own portfolio.
Take investment advice
If you don’t want to pick your own investments, our specialist financial advisers can help you to build or update an investment portfolio to match your objectives.
They can help make sure your investment portfolio is diversified, cost effective and suitable for your stage of life.
Why choose HL for your ISA investments?
Choice - select from a range of investments to build an ISA that works for you
Expertise - our investment experts provide research and investment ideas to help you make the most of your ISA
Transparency - see how your ISA investments are performing, online or via the
Trust - for more than 40 years we've helped investors make the most of their money. Over 2 million clients trust us with their accounts
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Help and support
If you have any questions about ISAs, you can speak to one of our UK-based client support experts.