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
Self Select ISAInvest FromTransfer In FeeTransfer Out Fee
yes£500 or
£50/month
no£0
£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
Self Select ISAInvest FromTransfer In FeeTransfer Out Fee
yes£500 or
£25/month
no£0
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
Self Select ISAInvest FromTransfer In FeeTransfer Out Fee
yes£100 or
£25/month
no£25
TD Direct Investing Trading ISA
Self Select ISAInvest FromTransfer In FeeTransfer Out Fee
yes£100 or
£25/month
no£50
£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
Self Select ISAInvest FromTransfer In FeeTransfer Out Fee
yes£10/monthno£0
Interactive Investor ISA
Self Select ISAInvest FromTransfer In FeeTransfer Out Fee
yesany amountno£0
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.
Fidelity Personal Investing Flexible NISA
Self Select ISAInvest FromTransfer In FeeTransfer Out Fee
yes£500 or
£50/month
no£0
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.
Barclays Stockbrokers Investment ISA
Self Select ISAInvest FromTransfer In FeeTransfer Out Fee
yes£5 or
£50/month
no£50
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.
Standard Life Stocks & Shares ISA
Self Select ISAInvest FromTransfer In FeeTransfer Out Fee
yes£500 or
£50/month
no£0
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.
Bestinvest Stocks & Shares ISA
Self Select ISAInvest FromTransfer In FeeTransfer Out Fee
yes£500 or
£100/month
no£0
AEGON Retirement Choices ISA
Self Select ISAInvest FromTransfer In FeeTransfer Out Fee
yes£1 or
£20/month
no£0
Alliance Trust Stocks & Shares ISA
Self Select ISAInvest FromTransfer In FeeTransfer Out Fee
yes£50 or
£50/month
no£100 + VAT
Alliance Trust Alliance Stocks & Shares ISA Inclusive Fee
Self Select ISAInvest FromTransfer In FeeTransfer Out Fee
yes£50 or
£50/month
no£100 + VAT
Amber Individual Savings Account
Self Select ISAInvest FromTransfer In FeeTransfer Out Fee
yesany amountno£25
Avalon Freedom ISA
Self Select ISAInvest FromTransfer In FeeTransfer Out Fee
yes£1,000 or
£80/month
no£0
Aviva Wrap ISA Portfolio
Self Select ISAInvest FromTransfer In FeeTransfer Out Fee
yes£1,000 or
£50/month
no£0
AXA Wealth AXA Elevate ISA Explicit Charge
Self Select ISAInvest FromTransfer In FeeTransfer Out Fee
yes£1,000 or
£100/month
no£0
Bank of Scotland Share Dealing Self Select ISA
Self Select ISAInvest FromTransfer In FeeTransfer Out Fee
yes£100 or
£20/month
no£0
Charles Stanley & Co Ltd Charles Stanley ISA
Self Select ISAInvest FromTransfer In FeeTransfer Out Fee
yes£1,000 or
£200/month
no£0
Charles Stanley & Co Ltd Charles Stanley Direct ISA
Self Select ISAInvest FromTransfer In FeeTransfer Out Fee
yes£500 or
£50/month
no£0

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How to Choose the Best Self Select ISAs

Keeping up with inflation should be the minimum goal for your savings - fall behind and your money will actually be losing value. The problem is finding which account will give you the best return. An Investment ISA might just be the answer.

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The most attractive aspect of choosing an ISA over any other type of savings account is that you are exempt from paying tax on any interest or profit you make.

ISAs themselves are split into two main types: cash and investment. If you want to squirrel your money away risk-free a Cash ISA - hopefully with a decent amount of interest - could be the best option.

On the other hand, Investment ISAs come with a certain amount of risk - but also the potential for greater gains.

What is a self select ISA?

There are two primary types of Investment ISAs which you can think about investing your hard-earned cash in - fund ISAs and self-select ISAs.

Fund ISAs let you put money into OEICs, Unit Trusts and Investment Trusts which manage your investments for you via the fund manager.

You still have the potential for major gains but you can only invest in funds which are tied to the account, and they'll charge a fee.

A self select stocks and shares ISA is a more advanced option. As well as the option to invest in selected funds they'll give you a share dealing account for buying stocks and shares; the big difference is it will be you deciding where to invest on a trade-by-trade basis.

With individual stocks and shares you'll get to keep 100% of whatever gains you make, the downside is that you don't benefit from a fund's expertise or protection.

Any funds you choose to invest in will still charge their fees as normal.

How much can you invest?

The amount you can invest will vary between ISA providers, with some allowing you to start with any amount and others requiring an initial minimum lump sum of up to 1,000 to open an account.

Once you have set one up you will have the option to invest monthly via a direct debit - how much depends on your budget.

The maximum you can invest in a single tax year is 15,000 (or less if you've paid into a Cash ISA).

How to compare self select ISA deals

The independence given by self select ISAs is great if you want control over where you put your money. However, the responsibility is also yours and you should think carefully about which self select ISA providers best suit your needs.

To work out what the best ISA providers are, you should think about what you want to invest in.

Different accounts offer different options, and depending on who you go with you'll be offered the chance to invest in a range of funds, shares, investment trusts and Exchange Traded Funds (ETFs).

It's because of this wide range of investment opportunities that you need to be confident you know what you're doing.

Once you've checked you can make the investments you want, compare account charges to find the best stocks and shares ISA provider.

Self select share ISA charges

When you make a self select ISA comparison you will need to consider the charges associated with each one.

Some companies charge a regular fee, which could be quarterly, for making investments, while others won't.

Generally you won't be charged for buying and selling funds, but the fund itself will still charge management fees.

However, some self select platforms offer to discount those fees on certain funds. Make sure those discounts will work for you.

When it comes to share dealing you probably will be charged per trade. Compare charges per ISA and also consider how many trades you're likely to make - prices are often based on the amount of deals you made the previous month (the more you made, the cheaper each one will be).

Make sure you compare each provider's terms carefully to know exactly how much you could be charged.

Decide what to invest in

It can be tricky to know what to invest in with self select stocks and shares ISAs, which is why some companies provide tools to help you decide.

These can work out what your attitude to risk is and what you want to achieve, and therefore what you'd be better off investing in.

Self select ISA providers may also offer you the opportunity to invest in portfolios, based again on risk or a theme, such as emerging or more developed markets, which you can then tailor.

Long term ISA investments

If you are considering taking on a self select stocks and shares ISA it's important to remember that these should be seen as long term options.

You should only commit if you can be confident you can invest your savings for a number of years and not need to access them in the meantime. If you are looking for short term savings options, a Cash ISA might still be the best bet for you.

If it's a longer term opportunity you're after, which offers the chance for great gains, fund or self select ISAs provide that possibility.

You can find out more by reading our guides Investment ISAs: a beginner's guide and Your top 10 ISA questions answered.

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