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    • Home • Advice • Common questions

    Comparing ISA Ready-Made Solutions: ii, Trading 212, and Moneybox Performance Insights

    27 December 2024

    Question by Eric

    Hi,

    I am thinking of putting this year's and next year's ISA into ready-made solutions with a time scale of 25 years. All previous investment decisions were made by myself through Hargreaves Lansdown and Interactive Investor. I noticed in your latest article on Q3 that HL is mentioned. However, I was wondering if you have any performance information on the portfolios of ii and how they stack up against the likes of Trading 212 and Moneybox.

    Answered by Mahdi Shabir

    Hi,

    ii's managed ISA is relatively new, so there isn't a significant amount of publicly available past performance data. However, they do have a portfolio factsheet available, which allows you to review the investments that make up the overall portfolio and assess the past performance of these funds individually. An example factsheet for ii's very adventurous low-cost option can be found here. Please note that these portfolios are subject to change, as indicated in the ongoing management section of the factsheet document.

    Trading 212 does not offer in-house managed ready-made options. You can buy funds or ETFs managed by other fund managers, either picking them in isolation or creating your own portfolio, similar to what you did in the past on HL and ii. Alternatively, Trading 212 has 'pies' that allow you to copy someone else's portfolio. In most cases, these are not diversified and tend to be quite thematic. I would advise against this unless you want specific exposure to a particular market segment or investing style, which should only make up a smaller part of your overall wider portfolio.

    Moneybox does offer ready-made solutions, and you can track the recent performance of these in Boring Money's ready-made solution content series. Every quarter, Boring Money collects performance data to bring you the latest insights into how ready-made investment portfolios across different risk categories have performed.

    In conclusion, given your desire to invest in a ready-made option, I suggest looking at providers that offer ready-made investments, which take some of the burden of self-managing your portfolio, such as stock/fund picking. Assess the platform charges, asset allocation, cost, and reputation of these options. Some providers worth considering, in my opinion, are Vanguard, AJ Bell, and ii.

    Answered by

    Mahdi Shabir

    Research Manager at Boring Money

    Important stuffHolly and the team have worked in the finance industry for many years but we are not regulated to give you personal financial advice. For every story on this website about a good investment, or something which went up by 10% or made someone £200, we could also share a story about a bad investment, something which fell in value or lost someone £200. We aim to provide general information and pointers – and btw we are totally agnostic about which providers you might pick – but if you have complex affairs, want personalised advice or need specific recommendations, please look at advice pages and see if regulated digital or traditional financial advice would be the best solution for your needs. Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.
    Risk warningAs is always the case with investing, your capital is at risk. The value of your portfolio can go down as well as up and you may get back less than you invest. Tax treatment depends on your individual circumstances and may change in the future.
    Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.
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