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  • #1

    investment platform in the
    UK for private investors

  • £140bn

    under administration for
    1.7 million clients

  • Voted "Best Investment Platform 2021"
    Your Money Awards

  • #1

    investment platform in the
    UK for private investors

  • £140bn

    under administration for
    1.7 million clients

  • Voted "Best Investment Platform 2021"
    Your Money Awards

  • #1

    investment platform in the
    UK for private investors

  • £140bn

    under administration for
    1.7 million clients

  • Voted "Best Investment Platform 2021"
    Your Money Awards

Tax Year 2022

Switch Your Money on

Switch Your Money on

Everything you need for the new tax year.

See fund ideas

Important information: This isn’t personal advice. If you’re not sure what’s right for you please contact us for advice. Investments and income 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. Income tax rates and bands are different for Scottish taxpayers and different benefits apply. Once held in a pension your money isn’t usually accessible until age 55 (57 from 2028).

Get a head start on your ISA and SIPP

Investing earlier gives you a better chance of reaching your goals sooner. The longer your money is invested, the more time it has to grow.

Each tax year, your allowances reset. So if you’ve got the money spare, we think it makes sense to take advantage of your Stocks and Shares ISA and Self-Invested Personal Pension (SIPP) allowances as soon as you can.

If you’re looking for investment inspiration for your new allowances, we’ve got fund ideas and share ideas that could be worth a look.

Or if you’d rather not invest at the moment, you can make an early start by adding cash now, then deciding where to invest later. Start from £100 as a lump sum, or set up a Direct Debit from £25 a month.

Stocks and Shares ISA

Shelter up to £20,000 this tax year with the UK's No. 1 platform for private investors.

  • Save tax - grow your money free of UK income and capital gains tax.
  • Check in anytime - manage your ISA online or with the HL app.
  • Invest for your future - choose your own investments or leave it to the experts.

Tax rules can change and the benefits of investing in ISAs depend on your circumstances.

Self-Invested Personal Pension (SIPP)

Shelter up to £40,000 each tax year, with the HL SIPP.

  • A tax efficient way to save - grow your money free of UK income and capital gains tax. And get between 20% and 45% tax relief on pension contributions.
  • Invest where and how you want to - choose your own investments, leave it to the experts or pay a financial adviser to choose investments for you.
  • Manage your pension with ease - check your pension whenever you like, online and with the HL app.
  • Flexibility at retirement - make withdrawals to suit your needs. You can choose from all the pension freedom options.

Pension and tax rules can change and benefits depend on your circumstances. Typically you need to be at least 55 (57 in 2028) to access the money in a pension.

Our latest investment ideas for ISA and SIPP

If you think you’ll need the money in the next five years, it’s sensible to hold cash.

But if you’re putting away money for the long term, and are happy with the extra risks involved, investing could give you a better chance of growing your money.

These fund ideas could help but they won’t be 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.

If you are unsure of the suitability of an investment for your circumstances please contact us for financial advice. We’re mindful that there’s plenty of uncertainty around at the moment, so keep in mind all investments can go down as well as up. You could get back less than you invest.


Choose your own funds

Comfortable building your own well-balanced, diversified portfolio?

These funds could be worth a look. They’ve been selected by our analysts for their performance potential, so they could make a good option for this year’s ISA or SIPP.

CONSERVATIVE IDEA

Troy Trojan

Wealth ShortlistWealth Shortlist
  • Aiming to generate positive returns in a range of market environments
  • Fund manager with a proven track record
  • Focuses on the shares of well-established US and UK companies
RESPONSIBLE IDEA

Legal & General Future World ESG Developed Index

Wealth ShortlistWealth Shortlist
  • An easy way to invest responsibly
  • Global exposure from tracking the Solactive L&G ESG Developed Markets Index
  • Low ongoing charge makes it one of the cheapest ways to invest (HL platform fee also applies)
ADVENTUROUS IDEA

ASI Asia Pacific Equity

Wealth ShortlistWealth Shortlist
  • Exposure to Asian markets with strong long-term growth potential
  • Run by a team with one of the longest records of investing in Asia
  • Higher risk fund more suitable for long-term outlook

Leave it to the experts

Our ready-made solutions are an easy way to help you invest in a wide range of investments. They’re designed for people who want to invest for five years or longer. They’re standalone investments which you can buy and hold on their own or as part of a wider portfolio.

There are three HL managed funds with different levels of risk to choose from. There are options for different needs and requirements.

They’re Multi-Manager funds which invest in a variety of funds and different managers, bringing together a range of different styles and approaches.

It’s important to know which risk level is right for you, and be comfortable with the market ups and downs (also known as ‘volatility’) you might experience when investing.

Lowest risk HL Multi-Manager Equity & Bond HL Multi-Manager Balanced Managed HL Multi-Manager Special Situations Highest risk
Cash 20-40% exposure to global stock market volatility 60% exposure to global stock market volatility 80% exposure to global stock market volatility 100% exposure to global stock market volatility More than 100% exposure to global stock market volatility

You’ll get a higher level of service and greater spread of investment expertise with an HL Multi-Manager fund, as our expert team manage the funds day-to-day on your behalf. This means the cost is usually higher than for other funds. Full details of the cost of each fund are shown below. As with all funds, you’ll also pay our platform charge of up to 0.45% each year.

The HL Multi-Manager funds are managed by our sister company Hargreaves Lansdown Fund Managers.

These funds are for people who understand the risks of investing and that investing in 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.

Investments will go up and down in value over time, and you could always get back less than you invest. These ideas are not personal advice, so if you’re not sure what’s right for you seek financial advice.

HL Multi-Manager Equity and Bond

  • Lower-risk option of our three ready-made solutions
  • Aims to provide a monthly income and grow your money over the long term
  • Invested in a wide range of bonds and shares across the globe

HL Multi-Manager Balanced Managed

  • Medium risk option of our three ready-made solutions
  • Aims to grow your money over the long term
  • Mainly invested in shares with some exposure to bonds and other investments

HL Multi-Manager Special Situations

  • Higher-risk option of our three ready-made solutions
  • Aims to grow your money over the long term
  • Invested in shares using fund managers we believe have the best stock picking ability

Add cash now, pick investments later

There’s a lot to think about when it comes to making investment decisions. By learning more about topics like risk and diversification, you can give yourself a better chance of success over the long term.

If you’d like to make an early start on this year’s ISA or SIPP, you don’t need to choose your investments straight away. You can add cash now, then decide where to invest when you’re ready.

Start your Stocks and Shares ISA Start your SIPP

Start your Stocks and Shares ISA

Start your SIPP

New to investing?

Getting started could be easier than you think. Watch our videos to get to grips with the basics.

Or download our guide on how to start investing in the stock market.

Frequently asked questions

I have every SIPP and stocks and shares ISA all under one roof for me and my family. So easy to operate and keep an eye on.

Mr B Cleall

I feel that I am dealing with a quality, caring company who care about their clients. I have felt that from day one.

Miss D Jenkins

Awards

BEST INVESTMENT PLATFORM 2021
Your Money


BEST STOCKS AND SHARES ISA PROVIDER 2021
UK Investor Magazine


BEST SIPP PROVIDER 2021
UK Investor Magazine

See all our awards