Investment ISAs are tax-efficient wrappers for long term investments. You may get back less than you pay in because your capital isn't guaranteed and charges may apply. Your personal circumstances will determine how much tax you pay on your investments and returns; tax laws may change.

AXA Self Investor stocks & shares ISA
Account TypeInvest FromYou Can Invest In
Investment ISA£500 or
£50/month
1,000 funds
£25 M&S voucher when investing in stocks & shares ISA*. Benefit from 0.35% p.a. ISA account charge & earn 0.3% p.a.(varies) interest on cash held. No fees for buying, selling or switching. Charges apply. Ends 30/11/14 T&Cs apply
No fees for buying, selling or switching funds. Fund manager charges apply. AXA Self Investor is a non-advised service. The value of investments can go down as well as up so you may get back less than you invested. *Offer ends 30/11/14 – T&C’s apply.
AJ Bell Youinvest Investment ISA
Account TypeInvest FromYou Can Invest In
Investment ISA£500 or
£25/month
4,500 funds
Deal online from just £4.95 and never pay more than £9.95. No account charge. Market leading investment range.
Hargreaves Lansdown HL Vantage Stocks & Shares NISA
Account TypeInvest FromYou Can Invest In
Investment ISA£100 or
£25/month
2,500 funds
F&C Investment Trust ISA
Account TypeInvest FromYou Can Invest In
Investment ISA£500 or
£50/month
12 funds
Barclays Stockbrokers Investment ISA
Account TypeInvest FromYou Can Invest In
Investment ISA£5 or
£50/month
2,000 funds
As well as a choice of over 2,000 funds you can now hold cash & lower risk investments, including money market funds, bonds & gilts nearing maturity. You can also choose stocks & shares, ETFs and investment trusts.
Fixed rate admin fee of £30+VAT p.a., waived if fully invested in funds from our Fund Market. Fund manager charges still apply. Investment values can fall and your capital is at risk. Tax rules can change in the future and their value to you will depend on your individual circumstances.
TD Direct Investing Trading ISA
Account TypeInvest FromYou Can Invest In
Investment ISA£100 or
£25/month
1,600 clean funds
£15k annual allowance. £0 yearly fee for ISAs with a balance over £5.1k (£30 VAT if below £5.1k). The value of investments & income derived from them can go up or down. Capital at risk. If you're unsure that this ISA is suitable, seek independent advice.
The Share Centre Self-select Stocks & Shares ISA
Account TypeInvest FromYou Can Invest In
Investment ISA£10/month3,000 funds
Interactive Investor ISA
Account TypeInvest FromYou Can Invest In
Investment ISAany amount2,800 funds
Straightforward Investing in a wide range of UK and International Shares, Funds, Gilts and Bonds. No percentage fees on Funds. £20 fee per quarter includes trades to the value of £20, plus free ISA.
Trustnet Direct ISA
Account TypeInvest FromYou Can Invest In
Investment ISA£100 or
£20/month
4,192 funds
Fidelity Personal Investing Flexible NISA
Account TypeInvest FromYou Can Invest In
Investment ISA£500 or
£50/month
2,000 funds
The Fidelity Price Promise: If you find a fund for less from our main competitors, we'll refund the difference. See www.Fidelity.co.uk/pricepromise for full terms and conditions. Capital at risk. ISA and tax rules apply. Fidelity does not give advice.
Virgin Climate Change ISA
Account TypeInvest FromYou Can Invest In
Investment ISA£100 or
£50/month
1 fund
The fund looks to grow your money over the long term by investing in specially selected companies who combine the potential for profit growth with a lighter environmental footprint.
Standard Life Stocks & Shares ISA
Account TypeInvest FromYou Can Invest In
Investment ISA£500 or
£50/month
1,500 funds
0% initial charge on over 1,500 funds, great customer support and it is easy to apply and check online. Other charges apply. Charges may change.
Scottish Friendly Assurance My Fund Options New ISA
Account TypeInvest FromYou Can Invest In
Investment ISA£10/month3 funds
Bestinvest Stocks & Shares ISA
Account TypeInvest FromYou Can Invest In
Investment ISA£500 or
£100/month
Unlimited
Alliance Trust Stocks & Shares ISA
Account TypeInvest FromYou Can Invest In
Investment ISA£50 or
£50/month
1,900 funds
Aberdeen ISA
Account TypeInvest FromYou Can Invest In
Investment ISA£500 or
£50/month
32 funds
Aberdeen Asset Managers plc Aberdeen Investment Trust ISA
Account TypeInvest FromYou Can Invest In
Investment ISA£1,000 or
£100/month
16 funds
AEGON Retirement Choices ISA
Account TypeInvest FromYou Can Invest In
Investment ISA£1 or
£20/month
Unlimited
Alliance Trust Alliance Stocks & Shares ISA Inclusive Fee
Account TypeInvest FromYou Can Invest In
Investment ISA£50 or
£50/month
1,900 funds
Allianz Global Investors Stocks & Shares NISA
Account TypeInvest FromYou Can Invest In
Investment ISA£1,000 or
£200/month
20 funds

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How to Find the Best Investment ISA for Over 50s

Find out how to get the best investment ISA for over 50s possible.

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In our later years, the rationale behind investment decisions is significantly different from our younger days.

This is why the best ISAs for over 50s may be different from those of 20, 30 and 40 year olds.

The distinction is more applicable to stocks and shares ISAs than it is for cash ISAs because of the elevated level of risk to capital that some investments can present.

Are you happy to invest?

Simply put, the value of your investment ISA is not guaranteed, nor is any return, and you need to be comfortable with this before you part with your money.

When you're considering how to use the ISA allowance over 50 you need to consider what types of investments will be most suited to your long term objectives and experience.

If you're a confident investor who is looking to maximise gains then opting for a self select ISA may be suitable.

However, if you're new to investing and want to benefit from the experience of an ISA manager, then investing your ISA allowance in OEICs, low risk funds, gilts and bonds may be more sensible - particularly if you can't afford to incur significant losses.

How much you can save in a Stocks and Shares ISA

You can invest up to 11,880 in investment ISAs during the 2014/2015 tax year, which can be increased up to 15,000 from July 1st - less any amount you've saved in a cash ISA.

However, depending on the ISA provider you may also be able to transfer in previous years' ISA savings so you have more money to play with in one place.

You can compare investment ISAs for over 50s on the basis of the number and type of investment funds on offer, the minimum initial and monthly deposits required and whether the provider accepts incoming transfers.

You'll also need to take into account other factors such as annual charges and withdrawal penalties that can impact the profitability of even the best ISA deals for over 50s.

You can compare the best over 50 investment ISA rates on offer side by side in our best over 50 investment ISA accounts comparison.

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