How to choose the best (and cheapest) ºß¸Ë¡¿³ôs and ³ô Isa and the ¸¢Íø DIY Åê»ñ¤¹¤ëing account
Last Updated 15:48 BST, 9 Apr 2024
ºß¸Ë¡¿³ôs & ³ô Isas and Åê»ñ accounts reviewed in our ÆÈΩ¤·¤¿¡¦Ìµ½ê° Äê´üŪ¤Ë-updated guide
À½ÉÊs featured in this article are ÆÈΩ¤·¤Æ selected by This is Money¡Çs specialist ¿·Ê¹µ¼Ô¡¿»¨»ïµ¼Ôs. If you open an account using links which have an asterisk, This is Money will earn an (v)Äó·È¤µ¤»¤ë(n)»ÙÉô¡¤²ÃÆþ¼Ô ¡ÊÇäÇã¡Ë¼ê¿ôÎÁ¡¤°ÑÂ÷¡Ê¤¹¤ë¡Ë¡¿°Ñ°÷²ñ¡¿¸¢¸Â. We do not µö¤¹ this to ±Æ¶Á¤¹¤ë¡¿´¶¾ð our ÊÔ½¸¡Ê¼Ô¡Ë¤Î independence.
DIY INVESTING PLATFORMS
Hargreaves Lansdown
Ëǰסʤ¹¤ë¡Ëing 212
Åê»ñ accounts and ºß¸Ë¡¿³ôs and ³ô Isas
The rise of online ÃçÇã¿Ís and DIY Åê»ñ¤¹¤ëing ÇÛ㤹¤ëd a ³×Ì¿ in buying ³ô, Åê»ñ ¿®ÍÑs and ´ð¶âs - ¿½¤·¹þ¤à¡¿¿½¤·½Ðing Åê»ñ²Ès ÊúÍʤ¹¤ë Ãù¶â compared to the old days of using their stockbroker, ºâÀ¯¾å¤Î ½õ¸À¼Ô, or going straight to a ´ð¶â ·Ð±Ä¼Ô¡¿»ÙÇÛ¿Í.
Online Åê»ñ accounts - and now app-based Åê»ñ¤¹¤ëing services - have ²¡¤·¿Ê¤á¤ëd É餫¤¹¡¿·âÄƤ¹¤ë the cost of buying and »ý¤Ä¡¿¹´Î±¤¹¤ëing ³ô, ´ð¶âs and ¿®ÍÑs, with some even now ¿½¤·¹þ¤à¡¿¿½¤·½Ðing ÎÁ¶â-¼«Í³ËÇ°×ing and no-¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â basic accounts.
Almost all ¿½¤·¹þ¤à¡¿¿½¤·½Ð ºß¸Ë¡¿³ôs and ³ô Isas, a ÀǶâ-²òÊü¤¹¤ë¡¿¼«Í³¤Ê wrapper around Åê»ñs that ÈòÆñ½ês them from »ñËÜ¡¿¼óÅÔ ¿¤Ó¡Ê¤ë¡Ës ÀǶâ on Íø±×¡Ê¤ò¤¢¤²¤ë¡Ës and ¡Ê³ô¼ç¤Ø¤Î¡ËÇÛÅö ÀǶâ on income.
A DIY Åê»ñ¤¹¤ëing ÃÅ¡¦¹ËÎΡ¦¸øÌó makes it Ê¿°×¤Ê?to Åê»ñ¤¹¤ë in a ºß¸Ë¡¿³ôs and ³ô Isa, self Åê»ñ¤¹¤ëd personal ǯ¶â, or ´ð½à Ëǰסʤ¹¤ë¡Ëing account online and start putting your money to work. Some will even »Ùʧ¤¦¡¿Ä¶â you to switch, with Hargreaves Lansdown and Interactive Åê»ñ²È ¸½ºß¡¿°ìÈÌ¤Ë ¿½¤·¹þ¤à¡¿¿½¤·½Ðing up to ¡ò5,000 cashback.
We explain how to decide on a DIY Åê»ñ ÃÅ¡¦¹ËÎΡ¦¸øÌó to Åê»ñ¤¹¤ë in the ½½Ê¬¤Ê ÈÏ°Ï of ÁªÂòs: fr om ³ô, ´ð¶âs and Åê»ñ ¿®ÍÑs, to ETFs and direct ¾®Çä Ë¡¿ÍÁÈ¿¥¤Î¡¿´ë¶È¤Î ¼ÒºÄs - and why a ºß¸Ë¡¿³ôs and ³ô Isa is ɬ¿Ü¤Î for growing your wealth.
Check the ¡ÊÊÆ¡Ëê¾å¤²¤¹¤ë¡¿¡Ê±Ñ¡ËÄóµÄ¤¹¤ë below for the ´Ê·é¤Ê¡¿Í×Ìó¤¹¤ë ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës on price and features and read our ½½Ê¬¤Ê look at each Åê»ñ ÃÅ¡¦¹ËÎΡ¦¸øÌó and who they could be good for below.?
Åê»ñ¤¹¤ëing ÃÅ¡¦¹ËÎΡ¦¸øÌó and ºß¸Ë¡¿³ôs and ³ô Isa costs
Account ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â | ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs ¸ø¼°Ê¸½ñ¡¤Ç§¤á¤ës | ´ð¶â ¼è°ú¡¤¶¨Äêing | ´ð½à ³ô, ¿®ÍÑ, ETF ¼è°ú¡¤¶¨Äêing | Àµµ¬¤Î¡¿ÀµÁª¼ê Åê»ñ¤¹¤ëing | ¡Ê³ô¼ç¤Ø¤Î¡ËÇÛÅö reinvestment | ||
---|---|---|---|---|---|---|---|
AJ Bell*? | 0.25%? | Max ¡ò3.50 per month for ³ô, ¿®ÍÑs, ETFs.? | ¡ò1.50 | ¡ò5 | ¡ò1.50 | ¡ò1.50 per ¼è°ú¡¤¶¨Äê? | More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës |
Bestinvest* | 0.40% (0.2% for ready made Âç¿Ã¤ÎÃÏ°Ìs) | Account ÎÁ¶â ºï¸º¡Ê¤¹¤ë¡Ë to 0.2% for ready made Åê»ñs | ²òÊü¤¹¤ë¡¿¼«Í³¤Ê | ¡ò4.95 | ²òÊü¤¹¤ë¡¿¼«Í³¤Ê for ´ð¶âs? | ²òÊü¤¹¤ë¡¿¼«Í³¤Ê for income ´ð¶âs | More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës |
Charles Stanley Direct* | 0.35%? | No ÃÅ¡¦¹ËÎΡ¦¸øÌó ÎÁ¶â on ³ô if a Ëǰסʤ¹¤ë¡Ë in that month and ǯ¼¡¤Î max of ¡ò240 | ²òÊü¤¹¤ë¡¿¼«Í³¤Ê | ¡ò11.50 | n/a | n/a | More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës |
Fidelity* | 0.35% on ´ð¶âs | ¡ò7.50 per month up to ¡ò25,000 or 0.35% with Àµµ¬¤Î¡¿ÀµÁª¼ê Ãù¶â ·×²è¡Ê¤¹¤ë¡Ë. Max ¡ò45 per year for ³ô,? ¿®ÍÑs,? ETFs | ²òÊü¤¹¤ë¡¿¼«Í³¤Ê | ¡ò7.50 | ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ´ð¶âs ¡ò1.50 ³ô, ¿®ÍÑs ETFs | ¡ò1.50 | More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës |
Hargreaves Lansdown* | 0.45% | ¡ò45 ǯ¼¡¤Î cap for »ý¤Ä¡¿¹´Î±¤¹¤ëing ³ô, ¿®ÍÑs, ETFs in Isa | ²òÊü¤¹¤ë¡¿¼«Í³¤Ê | ¡ò11.95 | ¡ò1.50 | 1% (¡ò1 min, ¡ò10 max) | More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës |
Interactive Åê»ñ²È*? | ¡ò4.99 per month under ¡ò50k holdings,?¡ò11.99 above, with ¡ò10 extra per month for Sipp | ¡ò3.99 per month »Ù±ç¤¹¤ë in ¼«Í³ËÇ°×ing credit (does not ŬÍѤ¹¤ë to ¡ ò4.99 ·×²è¡Ê¤¹¤ë¡Ë) | ¡ò3.99 | ¡ò3.99 | ²òÊü¤¹¤ë¡¿¼«Í³¤Ê | ¡ò0.99 | More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës |
iWeb | ¡ò100 one-off (²òÊü¤¹¤ë¡¿¼«Í³¤Ê until end of June 2024) | ¡ò5 | ¡ò5 | n/a | 2%, max ¡ò5 | More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës | |
?Accounts that have some ¸Â³¦s but attractive ¿½¤·¹þ¤à¡¿¿½¤·½Ðs | ? | ? | |||||
Etoro*??Sipp; Isa with Moneyfarm | ²òÊü¤¹¤ë¡¿¼«Í³¤Ê | Åê»ñ account ¿½¤·¹þ¤à¡¿¿½¤·½Ðs ºß¸Ë¡¿³ôs and ETFs. Beware high ´í¸± CFDs in Ëǰסʤ¹¤ë¡Ëing account | Not ÍøÍѤǤ¤ë? | ²òÊü¤¹¤ë¡¿¼«Í³¤Ê? | n/a? | n/a? | More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës? |
Ëǰסʤ¹¤ë¡Ëing 212? | ²òÊü¤¹¤ë¡¿¼«Í³¤Ê? | Åê»ñ account ¿½¤·¹þ¤à¡¿¿½¤·½Ðs ºß¸Ë¡¿³ôs and ETFs. Beware high ´í¸± CFDs. 1% cashback on 2024 deposits, if you Ä´°õ¤¹¤ë up before 30 April?? | Not ÍøÍѤǤ¤ë? | ²òÊü¤¹¤ë¡¿¼«Í³¤Ê? | n/a? | ²òÊü¤¹¤ë¡¿¼«Í³¤Ê? | More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës? |
Freetrade* No Åê»ñ ´ð¶âs | ²òÊü¤¹¤ë¡¿¼«Í³¤Ê for Basic account,? ¡ò5.99 per month for ´ð½à, ¡ò11.99 for ²Ã¤¨¤ë | For an Isa ´ð½à account is needed, for a Sipp ²Ã¤¨¤ë is needed? | No ´ð¶âs? | ²òÊü¤¹¤ë¡¿¼«Í³¤Ê? | n/a? | n/a? | More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës? |
ÀèƳ??Only ÀèƳ's own À½ÉÊs | 0.15%? | Only ÀèƳ ´ð¶âs | ²òÊü¤¹¤ë¡¿¼«Í³¤Ê? | ²òÊü¤¹¤ë¡¿¼«Í³¤Ê only ÀèƳ ETFs? | ²òÊü¤¹¤ë¡¿¼«Í³¤Ê? | n/a? | More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës? |
(Source: ThisisMoney.co.uk? March 2024. Account % ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â may be ħ¼ý¤¹¤ëd ·îËè¤Î or ǯ£´²ó¤Î |
How we review Åê»ñ accounts?
We have ¾ÇÅÀ¡Ê¤ò¹ç¤ï¤»¤ë¡Ëd on two ·èÄêŪ¤Ê ÌÌs, cost and ¼Á. This is not a collection of all of the ÀäÂФΠcheapest DIY Åê»ñ¤¹¤ëing ÃÅ¡¦¹ËÎΡ¦¸øÌós, or an exhaustive ̾Êí¡Ê¤ËºÜ¤»¤ë¡Ë¡¿É½¡Ê¤Ë¤¢¤²¤ë¡Ë - these are some we think stand out for their service and that also compete Ç®¿´¤Ë on price.
Almost all of these ÃÅ¡¦¹ËÎΡ¦¸øÌós ¿½¤·¹þ¤à¡¿¿½¤·½Ð a ½½Ê¬¤Ê ÈÏ°Ï of Åê»ñs and the ÁªÂò of ´ð½à accounts and a ºß¸Ë¡¿³ôs and ³ô Isa. Where they don't there is ÌÀ³Î¤Ê¡¿ºÙÉô ¿äÏÀ¤¹¤ë¡¿Íýͳ for ºÇ¹âĬ¤Î¾ìÌÌing them that we explain.?
We have Áª¤Öd Åê»ñ accounts to ¹µÁÊ different Åê»ñ²Ès and ¾ÇÅÀ¡Ê¤ò¹ç¤ï¤»¤ë¡Ë on those that ¿½¤·¹þ¤à¡¿¿½¤·½Ð a choice of how to Åê»ñ¤¹¤ë - not just ´ð¶âs, but also ³ô, ETFs and Åê»ñ ¿®ÍÑs.?Each one will be better for some Åê»ñ²Ès than others and you should choose depending on your needs. Remember there are plenty of others ÍøÍѤǤ¤ë too.?
Åê»ñ account pricing can be ¼ç¤È¤·¤Æ be ʬÎö¡Ê¤¹¤ë¡Ë into two ¡Ê·³¤Î¡ËÌî±ÄÃÏ¡¤¿Ø±Äs: some ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â a flat ¹ÔÀ¯ ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â, while others ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â a ɴʬΨ of Åê»ñ²Ès' holdings.
The former tend to always ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â for buying and selling Åê»ñ ´ð¶âs, while the latter may bundle this cost in and ¿½¤·¹þ¤à¡¿¿½¤·½Ð ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ´ð¶â ¼è°ú¡¤¶¨Äêing.
Almost all ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â for buying and selling ³ô, Åê»ñ ¿®ÍÑs, ETFs and any other À½ÉÊs that are not ´ð¶âs, but the ¼è°ú¡¤¶¨Äêing ÎÁ¶âs ÊѲ½¤µ¤»¤ë from as low as ¡ò4.95 to about ¡ò12. Some of the Åê»ñ¤¹¤ëing apps ¿½¤·¹þ¤à¡¿¿½¤·½Ð ÎÁ¶â-²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³ô, ¿®ÍÑ and ETF ¼è°ú¡¤¶¨Äêing.
If you ·×²è¡Ê¤¹¤ë¡Ë on buying and selling Äê´üŪ¤Ë watch our for ¼è°ú¡¤¶¨Äêing ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs, as these can also Äɲ乤ë up ÂçÉý¤Ë. Lower ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs for Àµµ¬¤Î¡¿ÀµÁª¼ê ·îËè¤Î Åê»ñ¤¹¤ëing can ÂçÉý¤Ë ºï¸º¡Ê¤¹¤ë¡Ë costs.?
Why does a ºß¸Ë¡¿³ôs and ³ô Isa »öÊÁ?
The ¸¢Íø Isa wrapper or Åê»ñ¤¹¤ëing account has the ÎÏ¡¿¶¯ÎϤˤ¹¤ë to ¾å¤²¤ë your Åê»ñs, helping you to build a Âç¿Ã¤ÎÃÏ°Ì and ¸Â³¦ing how?your hard-won returns are eaten into by ÎÁ¶âs.
DIY Åê»ñ¤¹¤ëing ÃÅ¡¦¹ËÎΡ¦¸øÌós ¹Ô°Ù¡¿Ë¡Îá¡¿¹ÔÆ°¤¹¤ë as a place to buy, sell and »ý¤Ä¡¿¹´Î±¤¹¤ë all your Åê»ñs and a ÀǶâ-efficient wrapper around them if you choose to Åê»ñ¤¹¤ë in a ºß¸Ë¡¿³ôs and ³ô Isa.
For the sake of your long-¾Î¤¹¤ë¡¤¸Æ¤Ö¡¿´ü´Ö¡¿ÍѸì wealth, it »Ùʧ¤¦¡¿Ä¶âs to »ý¤Ä¡¿¹´Î±¤¹¤ë Åê»ñs in a ºß¸Ë¡¿³ôs and ³ô Isa and not lose a chunk of Íø±×¡Ê¤ò¤¢¤²¤ë¡Ës and ¡Ê³ô¼ç¤Ø¤Î¡ËÇÛÅös to ÀǶâ - and then see the ²ÄǽÀ¤Î¤¢¤ë ±Æ¶Á of that ¹½Æâ¡¿²½¹çʪ over the years.?
This has become even more important, as at the start of the new ÀǶâ year on 6 April 2023, the »ñËÜ¡¿¼óÅÔ ¿¤Ó¡Ê¤ë¡Ës ÀǶâ-²òÊü¤¹¤ë¡¿¼«Í³¤Ê allowance will be ºï½ü¤¹¤ëd from ¡ò12,300 to ¡ò6,000 and the ¡Ê³ô¼ç¤Ø¤Î¡ËÇÛÅö ÀǶâ-²òÊü¤¹¤ë¡¿¼«Í³¤Ê allowance will be ºï¸º¡Ê¤¹¤ë¡Ë from ¡ò2,000 to ¡ò1,000.
There is even worse news a year É餫¤¹¡¿·âÄƤ¹¤ë the line when the »ñËÜ¡¿¼óÅÔ ¿¤Ó¡Ê¤ë¡Ës ÀǶâ allowance dives again to ¡ò3,000 and the ¡Ê³ô¼ç¤Ø¤Î¡ËÇÛÅö allowance Íî¤Á¤ës to just ¡ò500.
Fortunately, Åê»ñ¤¹¤ëing through a ºß¸Ë¡¿³ôs and ³ô Isa µö¤¹s you to ÈòÆñ½ê Åê»ñs from »ñËÜ¡¿¼óÅÔ ¿¤Ó¡Ê¤ë¡Ës and ¡Ê³ô¼ç¤Ø¤Î¡ËÇÛÅö ÀǶâ. Every ÀǶâ year, all adults get a ¡ò20,000 ǯ¼¡¤Î Isa allowance but remember it is a use it or lose it »ö·ï¡¿»ö¾ð¡¿¾õÀª and any of this ÎÌ not paid in by the end of the ÀǶâ year is lost.
The rise of online ÃçÇã¿Ís and their Åê»ñ accounts has ºï½ü¤¹¤ëd the cost of Åê»ñ¤¹¤ëing and made it much easier?
Our Áª¤Ö of the best Åê»ñ accounts
This ̾Êí¡Ê¤ËºÜ¤»¤ë¡Ë¡¿É½¡Ê¤Ë¤¢¤²¤ë¡Ë is in no particular order
< a rel="nofollow noreferrer noopener" target="_blank" href="https://hl.7eer.net/GAD9m" style="font-weight: bold;" class="">Hargreaves Lansdown*
Hargreaves Lansdown is the big gun of DIY Åê»ñ¤¹¤ëing. The website is packed with ¡Ê·Ù»¡¤Ê¤É¤Ø¤Î¡ËÌ©¹ð¡¤¹ðÁʡʾõ¡Ë from its ½õ¸À¼Ôs and ʬÀϲÈs, the ³ô and ´ð¶â data is Êñ³çŪ¤Ê and there is a very handy app.
Åê»ñ²Ès »Ùʧ¤¦¡¿Ä¶â a 0.45 per cent ÎÁ¶â on their total ´ð¶â Åê»ñs up to ¡ò250,000; 0.25 per cent to ¡ò1m, 0.1 per cent to ¡ò2m and nothing above that. ³ô and Åê»ñ ¿®ÍÑs also ÇØÉ餤¹þ¤à a 0.45 per cent ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â on the entire »ý¤Ä¡¿¹´Î±¤¹¤ëing, capped at ¡ò45.
Hargreaves has ¸ò¾Ä¤¹¤ëd some ¸º¤º¤ëd ǯ¼¡¤Î ´ÉÍý¡¿·Ð±Ä ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs from ´ð¶â ·Ð±Ä¼Ô¡¿»ÙÇÛ¿Ís.
´ð¶â ¼è°ú¡¤¶¨Äêing is ²òÊü¤¹¤ë¡¿¼«Í³¤Ê. ³ô, Åê»ñ ¿®ÍÑ, Ë¡¿ÍÁÈ¿¥¤Î¡¿´ë¶È¤Î ¼ÒºÄ and ETF ¼è°ú¡¤¶¨Äêing costs ¡ò11.95 per Ëǰסʤ¹¤ë¡Ë. If you Ëǰסʤ¹¤ë¡Ë more than 10 times per month ³ô-¼è°ú¡¤¶¨Äêing costs step É餫¤¹¡¿·âÄƤ¹¤ë. Àµµ¬¤Î¡¿ÀµÁª¼ê ·îËè¤Î ³ô and some Åê»ñ ¿®ÍÑ Åê»ñ¤¹¤ëing is ¡ò1.50, ¡Ê³ô¼ç¤Ø¤Î¡ËÇÛÅö reinvesting is 1 per cent, with a ¡ò1 ºÇ¾®¸Â ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â and ¡ò10 ºÇÂç¸Â.
Hargreaves has its very ±Æ¶ÁÎϤΤ¢¤ë Wealth 50,?a ÈÏ°Ï of Master Âç¿Ã¤ÎÃÏ°Ìs, and its Âç¿Ã¤ÎÃÏ°Ì+ service to make Åê»ñ¤¹¤ëing progressively easier and more ¼êÅϤ¹s off
Hargreaves Lansdown recently ȯɽ¤¹¤ëd it would ½üµî¤¹¤ë ½Ð¸ý ÎÁ¶âs and ºï¸º¡Ê¤¹¤ë¡Ë a number of its costs.?
´ð½à Èó¡¤ÉÔ¡¤Ìµ-Isa ¼è°ú¡¤¶¨Äêing: Hargreaves' Èó¡¤ÉÔ¡¤Ìµ-Isa Vantage account carries the same ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs except for ½üµî¤¹¤ëing the ÎÁ¶â for »ý¤Ä¡¿¹´Î±¤¹¤ëing ³ô and ¿®ÍÑs.
Who is it good for? Those looking for an advice-rich service that is price-¶¥Áè¤Î·ã¤·¤¤ but not the cheapest around. It does come with lots of bells and whistles, ´Þ¤àing a very good app and Âç¿Ã¤ÎÃÏ°Ìs for Ê¿°×¤Ê Åê»ñ¤¹¤ëing.?
Our ¼Â¸³¡Ê¤¹¤ë¡Ës ÀßΩ¤¹¤ë Hargreaves ÃÅ¡¦¹ËÎΡ¦¸øÌó Ê¿°×¤Ê and intuitive to use and its newly ²þÄû¤¹¤ëd app is good.?
It ¿½¤·¹þ¤à¡¿¿½¤·½Ðs a proven popular service? Éé¤ï¤»¤ëd ¤Ë¸þ¤«¤Ã¤Æ ´ð¶âs but with Àܶá to Åê»ñ ¿®ÍÑs, ETFs, ³ô and the Ë¡¿ÍÁÈ¿¥¤Î¡¿´ë¶È¤Î ¼ÒºÄ market under one roof. [More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës on Hargeaves Lansdown*]
Interactive Åê»ñ²È has ·îËè¤Î ÎÁ¶â ·×²è¡Ê¤¹¤ë¡Ës. These start with the?¡ò4.99 per month Åê»ñ²È ɬ¿Ü¤Îs ¿½¤·¹þ¤à¡¿¿½¤·½Ð for those with Âç¿Ã¤ÎÃÏ°Ìs of ¤¤¤Ã¤½¤¦¾¯¤Ê¤¯ than ¡ò50,000.
Above that level ÎÁ¶âs are ¡ò11.99 and ¡ò19.99 per month, for the Åê»ñ²È and ºÇ¹â¤Î Åê»ñ²È ·×²è¡Ê¤¹¤ë¡Ës.
A ¡ò12.99 per month ǯ¶â ·úÀß¶È¼Ô ÁªÂò is only ÍøÍѤǤ¤ë to those just »ý¤Ä¡¿¹´Î±¤¹¤ëing a Sipp, ¤µ¤â¤Ê¤±¤ì¤Ð the ´ð½à Åê»ñ²È and ºÇ¹â¤Î Åê»ñ²È ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs ²Ã¤¨¤ë ¡ò10 per month to Äɲ乤ë a Sipp ŬÍѤ¹¤ë. A ǯ¶âs ɬ¿Ü¤Îs ·×²è¡Ê¤¹¤ë¡Ë is ÍøÍѤǤ¤ë for Sipps with under ¡ò50,000 in, costing ¡ò5.99 per month.
Ëǰסʤ¹¤ë¡Ës in UK ³ô, ´ð¶âs and Åê»ñ ¿®ÍÑs and US ³ô are ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âd at ¡ò3.99 each.?
Åê»ñ²Ès get ¡ò3.99 of Ëǰסʤ¹¤ë¡Ëing credit per month, which lasts for 30 days. This does not ŬÍѤ¹¤ë for Åê»ñ²È ɬ¿Ü¤Îs ¸ÜµÒs.
Ëǰסʤ¹¤ë¡Ëing in other international ³ô is ¡ò9.99, except for the ºÇ¹â¤Î Åê»ñ²È ·×²è¡Ê¤¹¤ë¡Ë where they are ¡ò5.99. ¡Ê³ô¼ç¤Ø¤Î¡ËÇÛÅö reinvestment is just 99p for all ·×²è¡Ê¤¹¤ë¡Ës and Àµµ¬¤Î¡¿ÀµÁª¼ê Åê»ñ is ²òÊü¤¹¤ë¡¿¼«Í³¤Ê.
Who is it good for??Choose the ´ð½à Åê»ñ²È ÁªÂò under Interactive Åê»ñ²È's ÈóÆñ¤¹¤ë structure and you will »Ùʧ¤¦¡¿Ä¶⠡ò143.88 per year and get »Ù±ç¤¹¤ë ¡ò47.88 in Ëǰסʤ¹¤ë¡Ëing credits ? but you must spend each one within a month.
The cost of buying and selling UK Åê»ñs at ¡ò3.99 has been ºï¸º¡Ê¤¹¤ë¡Ë from its previous ¡ò3.99 and isn't bad, although ´ð¶â Åê»ñ¤¹¤ëing costs more than some ¶¥ÁèÁê¼ês. ²òÊü¤¹¤ë¡¿¼«Í³¤Ê Àµµ¬¤Î¡¿ÀµÁª¼ê Åê»ñ¤¹¤ëing is a ¾¡Íø¼Ô.
Åê»ñ²È ɬ¿Ü¤Îs is an Íø±×¡¿¶½Ì£ing idea, cutting the cost of flat ÎÁ¶â Åê»ñ¤¹¤ëing for those starting out or with small Âç¿Ã¤ÎÃÏ°Ìs. But Åê»ñ²Ès considering this should remember they don't th at ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ·îËè¤Î Ëǰסʤ¹¤ë¡Ë, which when taken into account brings the real cost of the ´ð½à ¡ò11.99 per month ·×²è¡Ê¤¹¤ë¡Ë É餫¤¹¡¿·âÄƤ¹¤ë to ¡ò8. That said, if they use the Àµµ¬¤Î¡¿ÀµÁª¼ê Åê»ñ¤¹¤ëing service or don't buy often, the Åê»ñ²È ɬ¿Ü¤Îs ·×²è¡Ê¤¹¤ë¡Ë makes sense.
In This is Money¡Çs ¸«²ò¡Ê¤ò¤È¤ë¡Ë, Interactive Åê»ñ²È¡Çs ÈóÆñ¤¹¤ë ·×²è¡Ê¤¹¤ë¡Ë makes it a ºÇ¹â¤Î¡¤¤ò±Û¤¹ ¶¥ÁèÁê¼ê ¤ÎÃæ¤Ç Åê»ñ¤¹¤ëing ÃÅ¡¦¹ËÎΡ¦¸øÌós. Service is good and the ÎÁ¶âs are keen.
Interactive Åê»ñ²È is a good ÁªÂò for those with larger Âç¿Ã¤ÎÃÏ°Ìs who would find ɴʬΨ-based ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs ¤É¤³¤«¤è¤½¤Ç ³«»Ï¤¹¤ëing up. Someone with ¡ò100,000 in ´ð¶âs at Interactive Åê»ñ²È would »Ùʧ¤¦¡¿Ä¶⠡ò143.88 per year. At Hargreaves Lansdown, with a 0.45 per cent ǯ¼¡¤Î ÎÁ¶â, they would »Ùʧ¤¦¡¿Ä¶⠡ò450.?
Our ¼Â¸³¡Ê¤¹¤ë¡Ës show II to be Ê¿°×¤Ê to use, with useful µ¡Ç½¡Ê¤¹¤ë¡Ë¡¿¹Ô»ös such as excel Âç¿Ã¤ÎÃÏ°Ì downloads, and an app that has ²þÁ±¤¹¤ëd Â礤¤Ë in ºÇ¶á¤Î times.
[More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës on Interactive Åê»ñ²È*]
Fidelity is one of the big Åê»ñ¤¹¤ëing »Ø̾¤¹¤ës and has a ÃÅ¡¦¹ËÎΡ¦¸øÌó packed with useful ¡Ê·Ù»¡¤Ê¤É¤Ø¤Î¡ËÌ©¹ð¡¤¹ðÁʡʾõ¡Ë, guides, market commentary and ¥Ó¥Ç¥ªs.
³ô ¼è°ú¡¤¶¨Äêing has a flat ¡ò7.50 ÎÁ¶â and this ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â also ŬÍѤ¹¤ës to?Åê»ñ ¿®ÍÑs and ETFs.?There are no ´ð¶â ¼è°ú¡¤¶¨Äêing ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs for buying and selling.
»ý¤Ä¡¿¹´Î±¤¹¤ëing Åê»ñ ´ð¶âs carries a 0.35 per cent ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â up to ¡ò250,000 and 0.20 per cent above that and 0 per cent above ¡ò1million.
However, if you are Åê»ñ¤¹¤ëing small ÎÌs the ÈóÆñ¤¹¤ë structure is ¤ï¤º¤«¤Ë different. Fidelity ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs ¡ò7.50 per month (¡ò90 a year)? for Âç¿Ã¤ÎÃÏ°Ìs up to ¡ò25,000, or the 0.35 per cent Ψ ŬÍѤ¹¤ës if you have a Àµµ¬¤Î¡¿ÀµÁª¼ê Ãù¶â ·×²è¡¿±¢ËÅ »Ï¤á¤ë¡¤·è¤á¤ë up.
ǯ¼¡¤Î ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs are capped at ¡ò45 for »ý¤Ä¡¿¹´Î±¤¹¤ëing ³ô, ¿®ÍÑs and ETFs.?
Who is it good for? Fidelity ¿½¤·¹þ¤à¡¿¿½¤·½Ðs very useful service. It is one of the big guns, has model Âç¿Ã¤ÎÃÏ°Ìs, Æ»¶ñs to help you decide how to Åê»ñ¤¹¤ë and a wealth of ¡Ê·Ù»¡¤Ê¤É¤Ø¤Î¡ËÌ©¹ð¡¤¹ðÁʡʾõ¡Ë on ¿½¤·¹þ¤à¡¿¿½¤·½Ð.?
Our ¼Â¸³¡Ê¤¹¤ë¡Ës ÀßΩ¤¹¤ë the main ¾ì½ê¡¿°ÌÃÖ Ê¿°×¤Ê to read and navigate, with lots of helpful ¡Ê·Ù»¡¤Ê¤É¤Ø¤Î¡ËÌ©¹ð¡¤¹ðÁʡʾõ¡Ë.?[More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës on Fidelity*]?
AJ Bell*
AJ Bell has a 0.25 per cent ǯ¼¡¤Î ¹ÔÀ¯ ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â.?For Èó¡¤ÉÔ¡¤Ìµ-´ð¶â holdings in Isas, such as Åê»ñ ¿®ÍÑs, ³ô and ETFs, this is capped at ¡ò3.50 per month. In a Sipp the cap is ¡ò10 per £´È¾´ü/4ʬ¤Î1.
For ´ð¶â holdings it steps É餫¤¹¡¿·âÄƤ¹¤ë to 0.1 per cent from ¡ò250,000 to ¡ò500,000 and then nothing above that.?
´ð¶â ¼è°ú¡¤¶¨Äêing costs ¡ò1.50. ³ô, ETF and Åê»ñ ¿®ÍÑ ¼è°ú¡¤¶¨Äêing is ¡ò9.95 - but this will be ºï¸º¡Ê¤¹¤ë¡Ë to ¡ò5 from 1 April 2024.
Àµµ¬¤Î¡¿ÀµÁª¼ê Åê»ñ¤¹¤ëing costs ¡ò1.50 into ´ð¶âs, FTSE 350 ³ô and a ¸Â¤é¤ì¤¿¡¿Î©·ûŪ¤Ê ÈÏ°Ï of Åê»ñ ¿®ÍÑs.
Who is it good for? AJ Bell ÆÀÅÀ¤¹¤ë¡¿ÈóÆñ¤¹¤ë¡¿£²£°s with a low ɴʬΨ admin ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â that is also capped for ³ô, ¿®ÍÑs and ETFs. It does have ´ð¶â ¼è°ú¡¤¶¨Äêing ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs, but at just ¡ò1.50 these are ¶¥Áè¤Î·ã¤·¤¤. ³ô ¼è°ú¡¤¶¨Äêing ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs are soon to be ºï¸º¡Ê¤¹¤ë¡Ë to ¡ò5, which is good news.
There is cost ¸ú²ÌŪ¤Ê regu lar ·îËè¤Î Åê»ñ¤¹¤ëing in ´ð¶âs, ³ô and selected Åê»ñ ¿®ÍÑs. There is no cheap ¡Ê³ô¼ç¤Ø¤Î¡ËÇÛÅö reinvestment.
Our ¼Â¸³¡Ê¤¹¤ë¡Ës show AJ Bell to be simple to use and while it may not look as flashy as some ¶¥ÁèÁê¼ês, it competes °æ¸Í¡¿ÊÛ¸î»ÎÀÊ on cost.
?[More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës on AJ Bell*]
iWeb - Self Select ºß¸Ë¡¿³ôs and ³ô Isa
iWeb run by Halifax sharedealing ¿½¤·¹þ¤à¡¿¿½¤·½Ðs a competitively Äê²Á¤Ä¤¤Î service. Its ºß¸Ë¡¿³ôs and ³ô Isa ¿½¤·¹þ¤à¡¿¿½¤·½Ðs the chance to Åê»ñ¤¹¤ë across ³ô, Åê»ñ ¿®ÍÑs, ´ð¶âs and ETFs, with a ¡ò100 one-off »Ï¤á¤ë¡¤·è¤á¤ë-up ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â but then no admin ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â beyond that. The ¡ò100 ÎÁ¶â is ¸½ºß¡¿°ìÈÌ¤Ë Â¸ºß waived until the end of 2023.
It costs just ¡ò5 to buy or sell ´ð¶âs, ³ô, Åê»ñ ¿®ÍÑs or ETFs. ¡Ê³ô¼ç¤Ø¤Î¡ËÇÛÅö reinvestment is 2% with a ¡ò5 ºÇÂç¸Â ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â.
´ð½à Èó¡¤ÉÔ¡¤Ìµ-Isa ¼è°ú¡¤¶¨Äêing:? ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs are the same
Who is it good for???iWeb is Ç®¿´¤Ë Äê²Á¤Ä¤¤Î for those looking to Äê´üŪ¤Ë buy Åê»ñ ¿®ÍÑs, ³ô or ETFs thanks to its low ¡ò5 ¼è°ú¡¤¶¨Äêing ÎÁ¶â but the »Ï¤á¤ë¡¤·è¤á¤ë-up ÎÁ¶â of ¡ò100 may put people off - the good news is that this is waived until the end of 2023. ÂѤ¨¤ë in mind that you do need to »Ùʧ¤¦¡¿Ä¶â for ´ð¶â-¼è°ú¡¤¶¨Äêing here.?[More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës on iWeb]
BestInvest*
Bestinvest ºÆȯ¿Ê¤¹¤ëd with a À¸¤Ê֤餻¤ëd website and update of its ¿½¤·¹þ¤à¡¿¿½¤·½Ðing - ´Þ¤àing ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ºâÀ¯¾å¤Î coaching ³«²ñ¡¿³«Äî¡¿²ñ´üs.
Isa and ´ð½à Åê»ñ²Ès »Ùʧ¤¦¡¿Ä¶â ǯ¼¡¤Î? ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â of 0.40 per cent a year on their Âç¿Ã¤ÎÃÏ°Ìs up to ¡ò250,000, and 0.2 per cent to ¡ò500,000, then 0.1 per cent above that to ¡ò1million. No extra ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs are Äɲ乤ëd above ¡ò1m.
Those Åê»ñ¤¹¤ëing in its ready made Âç¿Ã¤ÎÃÏ°Ìs »Ùʧ¤¦¡¿Ä¶â a lower 0.2 per cent and then 0.1 per cent ÎÁ¶â.?
Bestinvest has no ¼è°ú¡¤¶¨Äêing ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs for ´ð¶âs, while ´ð½à ³ô and Åê»ñ ¿®ÍÑ ¼è°ú¡¤¶¨Äêing is decent value ¡ò4.95.
There are no ¸º¤º¤ëd Àµµ¬¤Î¡¿ÀµÁª¼ê ·îËè¤Î Åê»ñ¤¹¤ëing ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs for ³ô and ¿®ÍÑs, nor is there cheap ¡Ê³ô¼ç¤Ø¤Î¡ËÇÛÅö reinvesting.
One standout element is that Bestinvest ¿½¤·¹þ¤à¡¿¿½¤·½Ðs ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ºâÀ¯¾å¤Î coaching from its qualified ºâÀ¯¾å¤Î planners. Even Èó¡¤ÉÔ¡¤Ìµ-¸ÜµÒs can take advantage of this with one ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ³«²ñ¡¿³«Äî¡¿²ñ´ü, while custo mers get À©¸Â¤Î¤Ê¤¤ ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ºâÀ¯¾å¤Î coaching Ä´½ñ¤ò¤È¤ë¡¿Í½Ì󤹤ëd at a time that ¹µÁÊs then and done either online or over the phone.
ºâÀ¯¾å¤Î coaching is different to ºâÀ¯¾å¤Î advice, with planners unable to recommend ÌÀ³Î¤Ê¡¿ºÙÉô À½ÉÊs, but ¸ÜµÒs can »Ùʧ¤¦¡¿Ä¶â a one-off ÎÁ¶â for bite-sized advice. An Åê»ñ¤¹¤ëing for your goals ³«²ñ¡¿³«Äî¡¿²ñ´ü costs ¡ò295 and a ½½Ê¬¤Ê Âç¿Ã¤ÎÃÏ°Ì health check is ¡ò495.
The ¾ì½ê¡¿°ÌÃÖ also now features an online ´í¸± ººÄ꡿ɾ²Á questionnaire and ¿ô»úɽ¼¨¼°¤Î goal planning Æ»¶ñs are ¸ºß introduced, with the first a Â࿦ planner.?
´ð½à Èó¡¤ÉÔ¡¤Ìµ-Isa ¼è°ú¡¤¶¨Äêing: ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs are the same.
Who is it good for? BestInvest's ºÆȯ¿Ê¤¹¤ë has given it a fresh look, bringing lots of useful ¡Ê·Ù»¡¤Ê¤É¤Ø¤Î¡ËÌ©¹ð¡¤¹ðÁʡʾõ¡Ë and help to the ºÇÁ°Éô. The thing that makes it stand out from the ¡Ê¿Í¤¬¡Ë·²¤¬¤ë is ²òÊü¤¹¤ë¡¿¼«Í³¤Ê ºâÀ¯¾å¤Î coaching and the bite-sized advice ÁªÂòs.
Those buying ³ô, Åê»ñ ¿®ÍÑs and ETFs Íø±× from a ¡ò4.95 ¼è°ú¡¤¶¨Äêing ÎÁ¶â, which is lower than most. The ready-made Âç¿Ã¤ÎÃÏ°Ìs ¿½¤·¹þ¤à¡¿¿½¤·½Ð an Ê¿°×¤Ê ¼êÅϤ¹s-off Â羡¤¹¤ë into Åê»ñ¤¹¤ëing at a reasonable cost.?? [More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës on BestInvest*].
Charles Stanley Direct*
The ÃçÇã¿Í's online ÃÅ¡¦¹ËÎΡ¦¸øÌó Charles Stanley Direct ÃÅ¡¦¹ËÎΡ¦¸øÌó has a 0.35 per cent ǯ¼¡¤Î ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â on ´ð¶â holdings, above ¡ò250,000 of ´ð¶â holdings ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs begin to step É餫¤¹¡¿·âÄƤ¹¤ë.?
There is also a 0.25 per cent ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶â on Åê»ñ ¿®ÍÑ or ³ô holdings, with a ºÇ¾®¸Â of ¡ò24 and ºÇÂç¸Â of ¡ò240 per year. This is ½üµî¤¹¤ëd ·îËè¤Î if you Ëǰסʤ¹¤ë¡Ë at least once in that month.
A Sipp costs ¡ò100 ²Ã¤¨¤ë ÉղòÁÃÍÀÇ per year but this ÎÁ¶â is ½üµî¤¹¤ëd if you have more than ¡ò30,000 across all the ÃçÇã¿Í's online ÃÅ¡¦¹ËÎΡ¦¸øÌó services.?
´ð¶â ¼è°ú¡¤¶¨Äêing is ²òÊü¤¹¤ë¡¿¼«Í³¤Ê, but Åê»ñ ¿®ÍÑ and ³ô ¼è°ú¡¤¶¨Äêing will cost ¡ò11.50 and there is no Àµµ¬¤Î¡¿ÀµÁª¼ê Åê»ñ¤¹¤ëing ÁªÂò for this.
Åê»ñ²Ès »ý¤Ä¡¿¹´Î±¤¹¤ëing individual ¼ÒºÄs and overseas ³ô must »Ùʧ¤¦¡¿Ä¶⠡ò30 per year per »ý¤Ä¡¿¹´Î±¤¹¤ëing.
Who is it good for? Active ´ð¶â Åê»ñ²Ès get a good ¼è°ú¡¤¶¨Äê at Charles Stanley with a low ǯ¼¡¤Î ÎÁ¶â and no buying or selling ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs. This is also a decent Sipp ÁªÂò for those with more than ¡ò30,000, who can then Èò¤±¤ë the extra ÎÁ¶â for ǯ¶âs.
Those buying and »ý¤Ä¡¿¹´Î±¤¹¤ëing Åê»ñ ¿®ÍÑs and ³ô can also do °æ¸Í¡¿ÊÛ¸î»ÎÀÊ if they Ëǰסʤ¹¤ë¡Ë each month and lose the ÃÅ¡¦¹ËÎΡ¦¸øÌó ÎÁ¶â, but that needs to be ½Å¤µ¤ò·×¤ëd up against ¡ò11.50 ¼è°ú¡¤¶¨Äêing ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs Äɲ乤ëing up and the ·çÇ¡¡Ê¤¹¤ë¡Ë of a ºï¸º¡Ê¤¹¤ë¡Ë-price Àµµ¬¤Î¡¿ÀµÁª¼ê ·îËè¤Î Åê»ñ¤¹¤ëing ÁªÂò.[More ¾ÜºÙ¡Ê¤Ë½Ò¤Ù¤ë¡Ës on Charles Stanley Direct*]
ÀèƳ? ?
US µðÂç¡Ê¤Ê¡Ë ÀèƳ has »Ï¤á¤ë¡¤·è¤á¤ë up a UK Åê»ñ¤¹¤ëing ÃÅ¡¦¹ËÎΡ¦¸øÌó but you can only buy its ´ð¶âs.?
It is cheap with a 0.15% per year ÎÁ¶â and has no costs for buying and selling. You can use this to buy ÀèƳ's simple and cheap passive ´ð¶âs, its active ÈÏ°Ï, or its all in one LifeStrategy ´ð¶âs that Åê»ñ¤¹¤ë in ³ô and ¼ÒºÄs around the world.
Who is it good for? If you are looking for a simple and low cost Åê»ñ ÃÅ¡¦¹ËÎΡ¦¸øÌó, ÀèƳ is a good choice. You only get its ´ð¶âs but the ²ñ¼Ò¡¿·ø¤¤'s trackers and ETFs are ¤ÎÃæ¤Ç the best in the ¾¦Çä¡¿»Å»ö - this is a ÆÃ¤Ë good ÁªÂò for those looking to start out with LifeStrategy ´ð¶âs.
Before you Áª¤Ö an Åê»ñ ÃÅ¡¦¹ËÎΡ¦¸øÌó?
Before you make a final ·èÄ꡿ȽÄ꾡¤Á¡Ê¤¹¤ë¡Ë, think about the points above on Áª¤Öing the best ÃÅ¡¦¹ËÎΡ¦¸øÌó, what you want to Åê»ñ¤¹¤ë in: ´ð¶âs, ETFs, Åê»ñ ¿®ÍÑs etc, and how you want to do so: lump sum, buy-and-»ý¤Ä¡¿¹´Î±¤¹¤ë, Àµµ¬¤Î¡¿ÀµÁª¼ê Åê»ñ¤¹¤ëing or Ëǰסʤ¹¤ë¡Ëing.
Don't forget that there is a delicate balancing ¹Ô°Ù¡¿Ë¡Îá¡¿¹ÔÆ°¤¹¤ë between ¹ÔÀ¯ ÎÁ¶âs and ¼è°ú¡¤¶¨Äêing ¹ðȯ¡Ê¤¹¤ë¡Ë¡¤¹ðÁʡʤ¹¤ë¡Ë¡¿ÎÁ¶âs.
Do your own ¸¦µæ, sit É餫¤¹¡¿·âÄƤ¹¤ë and work out how the DIY Åê»ñ¤¹¤ëing ÃÅ¡¦¹ËÎΡ¦¸øÌós you favour compare against each other. This homework will be ²ÁÃ͡ʤ¬¤¢¤ë¡Ë it in the long run.
DIY INVESTING PLATFORMS
Hargreaves Lansdown
Ëǰסʤ¹¤ë¡Ëing 212
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