Standard Life Review

as of 23/01/2019 at 2:22 pm

Holly's View

Standard Life doesn’t offer a general investment account online – as we were opening multiple accounts on behalf of a business we were unable to open an ISA so have not tested this specific journey. Suspect it is a solid, safe option from a major brand which will be robust but lack real pzazz or engagement.

Our Rating

Recommended For

In a nutshell

Big, secure company

Easy option funds available

Easy to use website

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Based on 27 reviews

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What to Expect

Investment Choice


Junior ISA

Stocks and Shares ISA


Investments available

Own brand funds

Funds from other groups

Investment help

The 'Geeky' Details

Provider details

Standard Life is a big brand player with a relatively simple service to get less confident savers up and running. Standard Life offers an Easy Option with ready-made portfolios, plus a self-select service if you want a bit more choice – it’s funds only, there are no individual company shares. The Easy Option has five ‘MyFolio’ funds with different combinations of investments and levels of risk.

The ‘MyFolio’ investments they use are 'actively managed', which makes them a bit more expensive than some others. But these are well-respected products in the industry which will aim to perform better than lower-cost passive alternatives. Costs are about 1.3%-1.5% all-in. So not cheap. But solid and respected.

Important Facts & Figures

Provider Size:

Large firm: manages £bns on behalf of investors and financial advisers

Minimum amounts: £50 minimum monthly amount
£500 minimum initial amount
12 month indicative performance:

A medium risk fund returned 8.2% in 2017, after charges.

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