Compare Ready Made Investment Portfolio ISAs
Pick the best ready made investment portfolio ISA to invest this year’s tax free allowance.
Investment ISAs put your capital at risk & you may get back less than you originally invested. When transferring an ISA, exit fees may apply
- Fund Choice: Need help choosing the right investments? ii's experts have carefully selected investments to point you in the right direction.
- Invest From: £25 a month or any lump sum
Why we like it: Designed to make it easier for investors, these four portfolios offer either growth or income options, with a choice of actively managed investments or low-cost tracker funds including an ethical growth portfolio. Low cost fees and trading.
Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.
- Fund Choice: Globally diversified ETF portfolios built and managed by our experts to grow your wealth at a level that’s comfortable for you
- Invest From: £100
Why we like it: Investment portfolios managed for you. Complete a short questionnaire about your investment goals and the amount of risk you’re comfortable with and let InvestEngine build a low‑cost investment portfolio to suit you. The portfolio will be designed to maximise returns for your risk level, using a diversified selection of low‑cost exchange traded funds (ETFs). See the companies, sectors and regions you’re invested in with a new portfolio look‑through feature. Invest with as little as £100, or from £10 a week with our Savings Plans. 0.25% a year (ETF costs apply). Capital at Risk
- Fund Choice: Nutmeg offer 5 investment styles with ETFs, using technology to keep charges low
- Invest From: Min. £500
Why we like it: Get a stocks & shares ISA portfolio – Choose one of five investment styles, either fully managed by Nutmeg’s expert team or a fixed allocation portfolio. No tie-ins, no set-up fees, no exit charges. Easy, online set up. Start with as little as £500. Portfolio management fees of 0.45%-0.75% up to £100k. 0.25%-0.35% beyond £100k. There are also underlying investment charges, see the fees page. Plus, live chat, amazing customer support and brilliant investor tools and guides. Nutmeg are regulated by the FCA & are covered by the FSCS. ISA eligibility and tax rules apply. Capital at risk. Approved by Nutmeg 09/08/2024
- Fund Choice: Over 12,500 investments, or a choice of five managed funds
- Invest From: No minimum
Why we like it: Take charge of your investment decisions and invest from just £1 to build your investment portfolio from over 12,500 investments, from stocks and shares, funds, ETFs and more. Low platform fee is a maximum 0.30%. Alternatively choose an expertly managed portfolio by selecting from a range of five actively managed funds that most closely matches your investment objectives and risk appetite with an annual review to ensure to ensure your money is being managed in a suitable investment strategy. Advice is restricted to Charles Stanley Direct’s in-house funds and is subject to a minimum investment £20,000. Capital at risk.
- Fund Choice: 10 managed portfolios to choose from. Choose your risk profile and have an investment Plan built and managed for you
- Invest From: £1
Why we like it: Choose your level of risk from cautious to adventurous and have a plan expertly created and managed for you. Create multiple Plans – including Ethical Plans – with different risk levels. Invest as little or much as you like, add regular payments and top up whenever you like. Withdraw money or transfer out without notice or penalty fees. Wealthify app lets you check how your Plan is performing, manage your transactions and provide investment news and insights. Simple annual management charge of 0.6%
- Fund Choice: Choose from a range of 36 funds and ETFs and 20 US stocks. Select one of three simple starting options with a range of tracker funds or build your own investment portfolio by customising your investment options
- Invest From: £1
Why we like it: Choose from a range of 36 funds and ETFs and 20 US stocks to invest with Moneybox. Earn 3.5% AER Variable on any uninvested cash you hold. There are additional fees charged directly by the fund provider. Please check the key investor information document (KIID) for a particular fund for more information. Keep things simple and get started with one of our three starting options: Cautious, Balanced or Adventurous – and customise your investments to align with your values. Open with as little as £1. When investing, your capital is at risk
- Fund Choice: Allocate your savings between a cash money market fund from L&G and investment shares fund from Fidelity
- Invest From: £10
Why we like it: App based stocks & shares ISA account. Choose to allocate your contributions between the two funds on offer in whatever proportion you choose: a shares fund (Fidelity Global Index fund) which aims to track the performance of global stock markets and therefore large companies such as Amazon, Facebook, Google and Johnson & Johnson, and a cash fund (Legal & General Cash Trust fund) which aims to provide returns in line with money market rates. Annual fee of 0.5% on the value of any investments. Two funds with their own management fees of between 0.12% and 0.15%. Change your allocation at any point. Option to opt into Round ups – collected from your bank by direct debit on a weekly basis and invested in line with your investment allocation
- Fund Choice: Invest in the Shepherds With Profits Fund which offers medium to low risk investing, with the aim of growing your money in a smooth manner over the long term
- Invest From: £30 pm
Why we like it: You don’t have to make any tricky investment decisions; your money will be invested in Shepherds With Profits Fund, and the bonuses you could receive will depend on the future performance of the fund. To try to achieve higher returns for you, your money is invested in a variety of assets, the majority of which consist of stocks and shares, but also property, bonds and cash. While returns are not guaranteed in stocks and shares investments and the value can go down as well as up, Shepherds apply a process known as ‘smoothing’ that attempts to even out fluctuations in the value and aims to keep a consistent level of bonus payments. Capital at risk.
- Fund Choice: Choose the fund that suits you. There are eight in total, each built by our specialist team at AJ Bell Investments.
- Invest From: £25 pm
Why we like it: The ‘no-hassle’ option – just choose your fund and how much to invest. That’s it. They do everything else from there, including managing and rebalancing the fund whenever they think it’s necessary.
Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.
- Fund Choice: TILLIT filter the market and select the best-in-class active and passive funds across asset classes, regions and styles
Why we like it: Let Tillett filter the market for you. From well-known classics to trailblazers and wildcards. No one needs 5,000 funds. Get breadth and variety, without the choice paralysis
- Fund Choice: You can invest for income or growth and select from three pre-determined risk levels.
- Invest From: £25 pm
Why we like it: Choose from one of 6 ready made portfolios based on your attitude to risk. Portfolios rebalanced twice a year. No charge to buy and sell funds. Low, tiered annual charges for holding funds, with a maximum of just 0.45% per annum. Free fund updates and analysis from experienced research team. Invest with a financially secure, FTSE 100 company.
Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.
- Fund Choice: Choose your risk profile and have it matched to an investment portfolio expertly built and managed using exchange traded funds (ETFs)
- Invest From: £1,500
Why we like it: Answer questions about your goals, financial situation and attitude to risk, and Moneyfarm will recommend the right ISA portfolio for you, built and managed by experts to help your money grow. You’ll always be invested in a portfolio that’s suitable for you, and you can manage this through the Advice Centre. See what you’re invested in, how you’re performing and how much you’re paying anywhere and any time with the Moneyfarm app. Add money to your ISA by setting up a direct debit, investing a lump-sum, or by transferring old ISAs for free
What is a ready made investment portfolio ISA?
A ready made investment portfolio is simply a collection of investments and a fund portfolio ISA offers a convenient way to utilise your annual investment ISA allowance across a wide range of assets.
The portfolio will typically be put together by investment experts and different portfolios will usually have different risk profiles e.g. cautious, balanced, adventurous.
Some providers may create portfolios using a number scale; 1 for low risk up to 7 for high risk. This is particularly useful for new investors who can decide what trade off they want between investment risk and potential investment returns.
This can allow you to diversify your potential means of earning a return on your saving and help you to spread your risk.
A ready made portfolio may include various types of assets such as equity, cash and bonds.
Different fund portfolio ISAs may focus on a specific geographical area or specialise in a particular market.
The exact proportion you invest in each area will depend on your approach to risk as well as your investment objectives.
Most investment experts would agree that a balanced portfolio is vital when it comes to maximising your chances of getting a good return on your investments.
With a ready made portfolio the manager will typically rebalance the portfolio at least annually to ensure the risk profile is maintained.
What types of ready made investment portfolios are there for my ISA?
There are various ready made investment portfolios to suit different types of investors with different financial goals and attitudes to risk.
Examples offered by many leading providers include:
Growth portfolios – Funds are chosen with the aim of achieving long term growth. Investors will likely not see an immediate return, but could achieve a significant return over a longer time frame.
Income portfolio – Funds are selected with the aim of delivering a consistent level of income. This type of ISA is likely to pay out on a regular basis, which may be monthly, quarterly, semi-annually or yearly. As your money is in an ISA wrapper income will be paid to you tax free.
Ethical portfolio – Funds are chosen with the aim of achieving a balanced risk approach, while fulfilling certain ethical criteria e.g. sustainable investing, investing in companies that deliver products or services that have a positive impact on people and the environment.
This type of portfolio may result in slightly lower returns that some alternatives, but is popular with conscientious investors. Interactive Investor for example offer a ethical growth ready made portfolio managed by their investment experts which can be held in an ISA.
UK portfolio – Funds are selected with the aim of delivering income or growth, or a combination of the two, through investment in UK companies. This type of fund is popular with investors who wish to use their savings to help stimulate the UK economy.
Global portfolio – Funds are chosen from a variety of non-UK companies with the aim of achieving income, growth, or both. Spreading your investments around the world can help to mitigate the risk of volatility in a single country’s market.
Frequently Asked Questions
Can I lose money in a Stocks and Share ISA?
Your investments can go up as well as down, and so you should always be prepared for the event that you could lose money.
Can I transfer my Cash ISA into a Stocks and Shares ISA?
Yes, you can transfer from your Cash ISA to a Stocks and Shares ISA at any time. However, do check you won’t lose out by transferring, as some Fixed Rate Cash ISAs may charge a fee or void your interest if you surrender your policy before the fixed term has ended
Can my investments go down in an Investment ISA?
Yes, the value of your underlying investments will fluctuate, and you could lose money as well as gain.
Can I transfer an NS&I ISA into an Investment ISA?
Yes, you can. You just need to ensure that you are not transferring out before any fixed interest terms are completed if you want to avoid potential exit charges or your earned interest being void.
How do I invest in a Stocks and Shares ISA?
You can invest in a Stocks and Shares ISA by opening an account online, over the telephone or by post.
You will need to make a contribution to open your account, either via Direct Debit or a debit card payment.