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ISAs: Opportunity in uncertainty

Set your goals and stick to your plan

Set your goals and stick to your plan

Take your helping hand

Not everything that affects your wealth is so hard to predict. We’re confident to suggest that taxes will chip away no matter what’s going on in the world.

The government offers generous incentives that encourage us to save for our future. Where it’s right for your circumstances, make sure you take advantage of any help you can get.

This is where ISAs can come in.

All investments in an ISA are free from UK income and capital gains tax. And although investing is usually best for the long term, you can normally withdraw your money whenever you need to.

Rates of tax Basic rate tax payer Higher rate tax payer Additional rate tax payer ISA investor
Capital gains (in excess of the £12,300 annual allowance) 10% 20% 20% 0%
Dividend income over £2,000*(i.e. income from shares) 7.5% 32.5% 38.1% 0%
Interest income (i.e. from cash, corporate bonds and other fixed interest investments)* 20% (over £1,000) 40% (over £500) 45% 0%

*This example assumes an individual has fully used their personal allowance and none of the interest falls within the starting rate for savings.

Make a start now with a lump sum from £100, or set up a Direct Debit from £25 a month.

This isn’t personal advice. If you’re not sure whether an investment is right for you, please contact us for advice. Unlike cash, investments and income can fall as well as rise in value, so you could get back less than you put in. Tax rules can change and benefits will depend on your circumstances. Scottish taxpayers are subject to the rest of UK rates and bands on investment income and gains.

Add money to your Stocks and Shares ISA

Add money now

Please read the ISA key features before adding money.

To add money with a debit card online or using the HL app, log in to your account and under 'Actions' choose 'Top up'. Then follow the instructions to enter your debit card details and make your payment.

You can also call us on 0117 980 9950 to add money to your ISA.

Set up a Direct Debit from £25 per month

Please read the ISA key features before adding money.

Invest monthly into your choice of funds, FTSE 350 shares, selected investment trusts and exchange-traded funds (ETFs).

You can start, stop, increase and decrease your Direct Debit whenever you like. Log in to your account and choose the 'Monthly savings' tab to get started.

Open an HL Stocks and Shares ISA

Once you've decided to invest your ISA allowance, it takes less than five minutes to get started. You'll just need a debit card and your national insurance number to hand. Remember that your investments can go down as well as up in value, so you may get back less than you invest.

Do-it-yourself

Choose from over 2,500 funds, shares, investment trusts and more to build your portfolio.

  • You’re in control of what you buy and sell
  • You’ll get expert research to help your decisions
  • Start your ISA from £100 or £25 per month

Our latest ISA investment ideas

These investment ideas aren’t 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 fund

Troy Trojan

Wealth ShortlistWealth Shortlist
  • A good addition to an ISA portfolio in continued economic uncertainty
  • 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

More on this fund, including charges

More on this fund, including charges

Global Income fund

Fidelity Global Dividend

Wealth ShortlistWealth Shortlist
  • Income funds can be a great addition to any ISA portfolio
  • Gives international diversification to a UK-focused income portfolio
  • Or add some steadier long-term growth potential to a more adventurous portfolio

More on this fund, including charges

More on this fund, including charges

Responsible
Investing fund

Legal & General Future World ESG Developed Index

Wealth ShortlistWealth Shortlist
  • Environmental, social and governance focused
  • Invested in around 1,300 global companies
  • Focused on long-term growth in a responsible way

More on this fund, including charges

More on this fund, including charges

Troy Trojan

Wealth ShortlistWealth Shortlist

With an expectation that markets will be volatile while there is continued economic uncertainty associated with the coronavirus, a total return fund could be a good addition to an ISA portfolio. 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.

Troy Trojan is a total return fund with a strong long-term track record, and an experienced fund manager in Sebastian Lyon. The fund has performed better than the broader UK stock market, as measured by the FTSE All Share index, since its launch in 2001. It's also done better than its peers in the IA Flexible sector – but can lag both the index and sector during stock market rallies. Past performance isn’t a guide to the future.

Rather than trying to shoot the lights out, this fund aims to grow investors' money steadily over the long run, while limiting losses when markets fall. It tries to experience less ups and downs than the broader global stock market or a portfolio that's mainly invested in shares. As a result, it could form the foundation of a broad investment portfolio, bring some stability to a more adventurous portfolio, or provide some long-term growth potential to a more conservative portfolio. The manager has the freedom to invest in higher-risk smaller companies, but the fund hasn't had much exposure to this area of the market for several years. While the fund contains a diverse range of investments, it is concentrated, which is a higher-risk approach.

More information on this fund including charges

Troy Trojan KEY INVESTOR INFORMATION

Invest now

Annual % Growth 31/07/2015 to 31/07/2016 31/07/2016 to 31/07/2017 31/07/2017 to 31/07/2018 31/07/2018 to 31/07/2019 31/07/2019 to 31/07/2020
Troy Trojan 15.2% 3.1% 0.5% 8.3% 6.1%
IA Flexible Investment 6.4% 13.9% 6.2% 4.3% -3.1%

Past performance is not a guide to the future.

Source: Lipper IM to 31/07/20

Fund information

Net initial charge: 0%
Ongoing charge: 0.87% p.a.
Saving via HL**: 0.25% p.a.
Net OCF: 0.62% p.a.
Max HL charge: 0.45% p.a.
Performance fee: No
Max total annual charge: 1.07% p.a.

See how these charges impact your investment

**Some or all of the saving is provided through Loyalty bonus which is tax-free in an ISA or SIPP. However, they may be subject to tax in a Fund and Share Account which would, in effect, reduce their value and increase the net ongoing charge.

Fidelity Global Dividend

Wealth ShortlistWealth Shortlist

An income fund can be a great addition to any ISA portfolio – whether you are looking to take the pay-outs to supplement your income or, if you are targeting growth, reinvesting dividends can help you grow your pot at a faster rate thanks to the beneficial effect of compounding.

Some parts of the world, including the UK, have seen dividends come under pressure this year; companies’ revenues have fallen due to economic restrictions and their ability to pay-out to shareholders has suffered. Global income funds are a convenient way to invest in a diverse mix of different countries, and provide managers with a larger pool in which to fish for dividend-paying stocks. The in-built diversification that global funds offer mean they could form a core building block for any investment portfolio. Investors should note that global funds have the ability to invest in emerging markets and smaller companies, which are higher risk.

Fidelity Global Dividend searches for sustainable sources of income from companies around the world, including higher risk smaller companies. It is run by Dan Roberts, who has one of the strongest stock-picking records in the global equity income sector. We like his sensible investment approach and that he doesn’t overlook unfashionable areas. Its goal is to provide a moderate but growing income, rather than a higher but potentially unreliable one. It also aims to provide long-term capital growth while staying focused on sheltering investors’ capital. The fund could provide international diversification to a UK-focused income portfolio, or add some steadier long-term growth potential to a more adventurous portfolio. The fund has the flexibility to use derivatives which adds risk if used. The fund takes its charges from capital which can increase the yield, but reduces the potential for capital growth.

More information on this fund including charges

Fidelity Global Dividend KEY INVESTOR INFORMATION

Invest now

Annual % Growth 31/07/2015 to 31/07/2016 31/07/2016 to 31/07/2017 31/07/2017 to 31/07/2018 31/07/2018 to 31/07/2019 31/07/2019 to 31/07/2020
Fidelity Global Dividend 24.7% 9.0% 6.1% 18.2% -0.9%
IA Global Equity Income 15.7% 14.4% 6.7% 9.4% -7.1%

Past performance is not a guide to the future.

Source: Lipper IM to 31/07/20

Fund information

Net initial charge: 0%
Ongoing charge: 0.92% p.a.
Saving via HL: 0% p.a.
Net OCF: 0.92% p.a.
Max HL charge: 0.45% p.a.
Performance fee No
Max total annual charge: 1.37% p.a.

See how these charges impact your investment

Legal & General Future World ESG Developed Index

Wealth ShortlistWealth Shortlist

Responsible investment funds give you the chance to make money in a way that’s in line with your principles. Some avoid investing in areas that do harm, like tobacco producers, weapons manufacturers or alcoholic drinks makers. Others invest in companies that have a positive effect on society – from those that treat their employees well, to those that create clean energy through wind farms or solar panels.

Legal & General Future World ESG Developed Index invests in broad developed stock markets while being mindful of environmental, social and governance (ESG) issues. This fund aims to track the performance of the Solactive L&G ESG Developed Markets Index. It's made up of around 1,300 companies based across the globe, focused towards sectors such as technology, pharmaceuticals and financials. It won’t invest in tobacco companies, pure coal producers, makers of controversial weapons or persistent violators of the UN Global Compact Principles.

An index tracker fund is one of the simplest ways to invest, and we think this fund could be a good addition to a broader investment portfolio aiming to deliver long-term growth in a responsible way. It could also be a good addition to a portfolio of other tracker funds. The fund has the flexibility to use derivatives which if used adds risk.

More information on this fund including charges

Legal & General Future World ESG Developed Index KEY INVESTOR INFORMATION

Invest now

Annual % Growth 31/07/2015 to 31/07/2016 31/07/2016 to 31/07/2017 31/07/2017 to 31/07/2018 31/07/2018 to 31/07/2019 31/07/2019 to 31/07/2020
Legal & General Future World ESG Developed Index N/A N/A N/A N/A 2.1%
Solactive L&G ESG Developed Markets Index N/A N/A N/A N/A 2.5%

Past performance is not a guide to the future.

Source: Lipper IM to 31/07/20

N/A - data for this period is not available. Fund launched November 2018

Fund information

Net initial charge: 0%
Ongoing charge: 0.25% p.a.
Saving via HL: 0% p.a.
Net OCF: 0.25% p.a.
Max HL charge: 0.45% p.a.
Performance fee No
Max total annual charge: 0.70% p.a.

See how these charges impact your investment

Invest now

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