The 32 投資 信用s that could have made you an Isa millionaire

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There are 32 投資 信用s which would have made 投資家s more than £1 million?if they had put their 十分な Isa allowance into the same 信用 each year since 1999, data shows.

Sticking their entire 年次の allowance into each of these 信用s over 25 years would have 許すd 投資家s to join the 階級s of the Isa millionaires.?

によれば the 協会 of 投資 Companies, ソフトウェア and 科学（工学）技術 services 投資家 HgCapital 信用 would have 供給するd the highest returns, making 投資家s a total of £2.3 million between 1999 and 2023, based on a total 投資 of £306,560 over the period.

Of course, 投資するing your entire Isa allowance in one place goes against the 投資 原則 of diversification and is not recommended.

However, it is a useful illustration of which 投資 信用s have 成し遂げるd 井戸／弁護士席 since 1999.?

支援 tech: The three 最高の，を越す-成し遂げるing 投資 信用s are all 焦点（を合わせる）d on 投資するing in the 科学（工学）技術 部門

Isas, or individual 貯金 accounts, 保護する your 貯金 or 投資s from 税金 on 利益／興味, 利益（をあげる）s and （株主への）配当s. In short, Isas are a 税金 efficient method of saving money.

現在／一般に, the 年次の Isa allowance is £20,000 per year. This has risen from £10,000 in 1999, which was 分裂（する） between a £7,000 限界 for a 株 Isa and £3,000 for a cash Isa.?

Cash Isas are 利用できる to any UK 居住（者） over the age of 16, while 在庫／株s and 株 Isas are 利用できる for those over the age of 18.

Jim Strang, HgCapital 信用 議長，司会を務める, said: 'It is very heartening that the company has been able to 配達する such 説得力のある 伸び（る）s for 株主s over the last 25 years.

'This is a solid 裏書，是認 of the 私的な 公正，普通株主権 model and the 技術 and 専門的知識 that the 経営者／支配人, Hg, has 雇うd so 首尾よく over this time.'

The second 最高の，を越す-成し遂げるing 基金 was Allianz 科学（工学）技術 信用, which 投資するs in 全世界の 科学（工学）技術 会社／堅いs.

For the same 投資家 putting in their entire Isa allowance since 1999, it would have 配達するd £2.1 million in returns. Fellow 科学（工学）技術 投資家 Polar 資本／首都 科学（工学）技術 would have returned £1.9 million over the period.

'As we often remind 投資家s, we are arguably living in the golden 時代 of 科学（工学）技術 where companies across most 産業s become 関連した or irrelevant depending on their 採択 and use of 科学（工学）技術,' Allianz 科学（工学）技術 信用 大臣の地位 経営者／支配人 マイク Seidenberg commented.

The fourth best-成し遂げるing 基金, Scottish Mortgage 投資 信用, also 投資するs 21 per cent of its 資本／首都 in the 科学（工学）技術 部門, and would have seen a return of £1.6 million.

However, Scottish Mortgage has 証明するd 議論の的になる の中で 投資家s in 最近の times 予定 to its （危険などに）さらす to unquoted 投資s, against the 背景 of a difficult 経済的な 環境.

Both Scottish Mortgage and HgCapital 投資する at least part of their 大臣の地位 in unquoted companies.

Scottish Oriental Smaller Companies would have 配達するd the f ifth highest return at more than £1.5 million.

The 信用 is one of four in Asia-焦点（を合わせる）d 信用s that saw returns of more than £1 million. Of these, both Abrdn Asia 焦点（を合わせる） and 太平洋の Horizon 投資 信用 were の中で the 最高の，を越す ten performers.

Abrdn's Asia 焦点（を合わせる） 信用 was の中で the 最高の，を越す performers, seeing returns of more than £1million

'It's been a challenging time for 投資家s recently, with high インフレーション coupled with geopolitical 緊張s and an uncertain 見通し,' Annabel Brodie-Smith, 協会 of 投資 Companies communications director, said.

'In difficult times, it's important for 投資家s to take a long-称する，呼ぶ／期間／用語 approach to their 投資s.?

'投資 信用s have been in 存在 for more than 155 years, 生き残るing two World Wars, the 広大な／多数の／重要な 不景気, the 1970s 時代 of high インフレーション, the tech にわか景気 (and 破産した／（警察が）手入れする), the 財政上の 危機 and the pandemic.'

Of the 32 best 成し遂げるing 基金s, more than a third of them 投資する in smaller companies, with four of these 会社／堅いs 焦点（を合わせる）d on the UK 部門. BlackRock Throgmorton 信用 was the best 成し遂げるing of these, returning £1.2 million.

Scottish Oriental Smaller Companies, Abrdn Asia 焦点（を合わせる） and Fidelity Asian Values, 一方／合間, are all 焦点（を合わせる）d on the Asia 太平洋の smaller companies 部門.

にもかかわらず the returns 申し込む／申し出d by these 投資 信用s, it is 必須の that 投資家s 避ける placing all of their eggs in one basket, ーするために 減ずる 危険.?

'When 投資するing, it's 決定的な to spread your 危険, as no-one knows which will be the best 成し遂げるing 投資 信用s in the 未来,' Brodie-Smith said.

'A diversified 大臣の地位 which 会合，会うs your needs is the best way to success over the long-称する，呼ぶ／期間／用語. If 投資家s are in 疑問 about which 信用 is 権利 for them, it's important to speak to a 財政上の 助言者.'

Compare the best DIY 投資するing 壇・綱領・公約s and 在庫／株s & 株 Isas

投資するing online is simple, cheap and can be done from your computer, tablet or phone at a time and place that 控訴s you.

When it comes to choosing a DIY 投資するing 壇・綱領・公約, 在庫／株s & 株 Isa or a general 投資するing account, the 範囲 of 選択s might seem 圧倒的な.?

Every provider has a わずかに different 申し込む／申し出ing, 非難する more or いっそう少なく for 貿易（する）ing or 持つ／拘留するing 株 and giving 接近 to a different 範囲 of 在庫／株s, 基金s and 投資 信用s.?

When 重さを計るing up the 権利 one for you, it's important to to look at the service that it 申し込む／申し出s, along with 行政 告発（する），告訴（する）／料金s and 取引，協定ing 料金s, 加える any other extra costs.

To help you compare the best 投資 accounts, we've crunched the facts and pulled together a 包括的な guide to choosing the best and cheapest 投資するing account for you.?

We 最高潮の場面 the main players in the （米）棚上げする／（英）提議する below but would advise doing your own 研究 and considering the points in our 十分な guide linked here.

>> This is Money's 十分な guide to the best 投資するing 壇・綱領・公約s and Isas?

壇・綱領・公約s featured below are 独立して selected by This is Money’s specialist 新聞記者／雑誌記者s. If you open an account using links which have an asterisk, This is Money will earn an (v)提携させる(n)支部，加入者 （売買）手数料，委託（する）／委員会／権限. We do not 許す this to 影響する／感情 our 編集（者）の independence.?

DIY INVESTING PLATFORMS AND STOCKS & SHARES ISAS?

	Admin 告発（する），告訴（する）／料金	告発（する），告訴（する）／料金s 公式文書，認めるs	基金 取引，協定ing	基準 株, 信用, ETF 取引，協定ing	正規の／正選手 投資するing	（株主への）配当 reinvestment
AJ Bell*?	0.25%?	Max £3.50 per month for 株, 信用s, ETFs.?	£1.50	£5?	£1.50	£1.50 per 取引，協定?	More 詳細（に述べる）s
Bestinvest*	0.40% (0.2% for ready made 大臣の地位s)	Account 料金 削減（する） to 0.2% for ready made 投資s	解放する／自由な	£4.95	解放する／自由な for 基金s?	解放する／自由な for income 基金s	More 詳細（に述べる）s
Charles Stanley Direct*	0.35%?	No 壇・綱領・公約 料金 on 株 if a 貿易（する） in that month and 年次の max of £240	解放する／自由な	£11.50	n/a	n/a	More 詳細（に述べる）s
Fidelity*	0.35% on 基金s	£7.50 per month up to £25,000 or 0.35% with 正規の／正選手 貯金 計画（する）.?	解放する／自由な	£7 .50	解放する／自由な 基金s £1.50 株, 信用s ETFs	£1.50	More 詳細（に述べる）s
Hargreaves Lansdown*	0.45%	Capped at £45 for 株, 信用s, ETFs	解放する／自由な	£11.95	£1.50	1% (£1 min, £10 max)	More 詳細（に述べる）s
Interactive 投資家*?	£4.99 per month under £50k, £11.99 above, £10 extra for Sipp	自由貿易 価値（がある） £3.99 per month (does not 適用する to £4.99 計画（する）)	£3.99	£3.99	解放する／自由な	£0.99	More 詳細（に述べる）s
iWeb	£100 one-off 料金 (waived until July 2024)		£5	£5	n/a	2%, max £5	More 詳細（に述べる）s
?Accounts that have some 限界s but attractive 申し込む／申し出s						?	?
Etoro*??No 投資 基金s or Sipp	解放する／自由な	投資 account 申し込む／申し出s 在庫／株s and ETFs. Beware high 危険 CFDs.	Not 利用できる?	解放する／自由な?	n/a?	n/a?	More 詳細（に述べる）s?
貿易（する）ing 212*?	解放する／自由な?	投資 account 申し込む／申し出s 在庫／株s and ETFs. Beware high 危険 CFDs.?	Not 利用できる?	解放する／自由な?	n/a?	解放する／自由な?	More 詳細（に述べる）s?
Freetrade* No 投資 基金s	?Basic account 解放する／自由な,? 基準 with Isa £4.99, 加える £9.99	Freetrade 加える with more 投資s and Sipp is £9.99/month inc. Isa 料金	No 基金s?	解放する／自由な?	n/a?	n/a?	More 詳細（に述べる）s?
先導??Only 先導's own 製品s	0.15%?	Only 先導 基金s	解放する／自由な?	解放する／自由な only 先導 ETFs?	解放する／自由な?	n/a?	More 詳細（に述べる）s?
(Source: ThisisMoney.co.uk May 2024. Admin % 告発（する），告訴（する）／料金 may be 徴収するd 月毎の or 年４回の

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