Fund and Share Account

Investing on your terms. Your way.

Invest globally with our easy to manage, low-cost dealing account.

Before you invest: investing for 5+ years increases your chances of positive returns compared to cash savings. But investments rise and fall, so you could get back less than you put in. You’re responsible for your investment decisions.

What is a Fund and Share Account?

A refreshingly simple investment account helping you build your own investment portfolio and invest in what you want, when you want.

Trade UK and Overseas shares

Access global markets and trade in what you want, when you want.

No investment limits

There's no annual limit to what you can invest. You can start big or small.

Free to hold shares

No account charge to hold shares, ETFs, investment trusts, Venture Capital Trusts, gilts and bonds. View account charges.

Why choose the HL Fund and Share Account?

HL offers simplicity, flexibility, and expert guidance to help you invest for your future.

Is the Fund and Share Account right for me?

Consider investing in a Fund and Share Account if:

  • You have already used or do not want to use your ISA allowances

  • You're clear on the differences between saving and investing and you have cash savings to cover emergencies

  • You understand the value of your investments will rise and fall, so you could get back less than you invest

  • You're happy to invest for the long term - we suggest at least five years

  • You're comfortable choosing your own investments and you're happy to check in to make sure they're continuing to meet your objectives

This isn't personal advice. If you're not sure what's right for you, ask for financial advice.

Get started in minutes

Open a Fund and Share Account from a £1 lump sum, or £25 a month.

Flexible investing.

Built for you.

  • Free to all HL clients, live share prices are available on the HL website and HL mobile app.

    Learn more about live share prices

Transparent fees.

Exceptional value.


0%

annual account charge to hold shares

Free to hold shares, ETFs, investment trusts, VCTs, gilts and bonds. Some investments will have their own annual charges.

Dealing charge between £5.95 and £11.95 per deal.

See our Fund and Share Account charges


0.45%

annual account charge to hold funds

Maximum annual charge of 0.45% for funds.

No dealing charge for buying or selling funds. Some investments will have their own annual charges.

See our Fund and Share Account charges


Experts in the industry

Insights and tips from our team of analysts and experts.

Service and Security

Enjoy peace of mind. We've been helping clients save and invest securely for over 40 years.

Award-winning service

Over 200 awards, including 'Best for Investment Research' and 'Best for Customer Service' for 2025.

FAQs

Common questions about a Fund and Share Account.

Learn more about a Fund and Share Account

We've won over 200 awards for our services

Boring Money Award Best for Investment Research 2025
Boring Money Award Pension 5 Years Running 2025
Boring Money Award Best Buy ISA 2025
Boring Money best investment app 2024

Open an HL Fund and Share Account