Best for Men Aged 55-64

This is a very good all-rounder which manages both ISAs and pensions well. And also has good support and content for both beginners and more seasoned investors.

If you’re at the novice end, don’t be put off by the slightly intimidating home page. Keep going! There are ready-made choices for you which will help you get started, and as and if your confidence and interest grows, you can start to spread your wings and make some more choices.

I think this is a sensible option for older savers and investors, because if and when you want to consider a DIY pension or possibly moving into ‘drawdown’, these guys know their pension stuff too.

Fees and charges are reasonable and you won’t pay above the odds here. Expect to pay about £360 a year for holding £60,000 in an AJ Bell ready-made investment option (I modelled the ‘Adventurous’ fund) in an ISA here. This includes both administration and investment fees.

This is a low-cost option which will suit those who want to pick and choose and make their own investment choices. It may be daunting for beginners. One key appeal here is cost - you’ll pay £36 a year in administration fees to hold a £60,000 ISA here, plus £9.50 per trade and any fund costs if you choose these too.

There is quite a lot of work going on behind the scenes and more developments coming over the course of the year. For now, it’s a relatively cheap and cheerful option, providing access to a full range of choice, but you will need to do some of the heavy lifting yourself.

One benefit I see in larger bank brand investment platforms is security. I think it’s reasonable to assume higher levels of governance and security than you’d see in a smaller, funkier start-up.

You can choose from a wide range of shares, funds and some ready-made options which will be better for beginners. If you choose a simple low-cost ‘passive multi-asset fund’, expect to pay about £200 a year all-in to hold a £60,000 ISA here.

This provider is fully owned by abrdn, the FTSE 100 financial giant, so there is very credible financial backing here. interactive investor differentiates itself from other major players by having fixed £ fees, rather than % fees, which makes it increasingly compelling the larger your account grows.

They will typically appeal to a more confident investor who wants to take advantage of the full range of choice available here – from fundsto international shares. If you’re at the less confident end of the spectrum, you may find this a bit off-putting and look for something with more hand-holding.

If you have a £60,000 ISA here, the administration fees will be about £144 a year and then you’ll also pay management fees for any funds you choose. If you choose a low-cost ‘passive multi-asset fund’, the total cost each year would be about £305. Remember that the interactive investor administration fee will not get bigger, the bigger your ISA gets. So for more affluent people, it gets progressively more competitive.