Vanguard - Stocks and Shares ISA

Not-for-profit US heavyweight Vanguard has put the cat amongst the pinstriped pigeons with their recent UK launch. Low-cost. Simple. Just investments and ISAs today – no pension.

This low-cost service won’t offer research and shares, bells or whistles but it will manage your money in a decent portfolio, spread around lots of global investments which are picked and run for you, for just 0.37%.

You can only hold their investments – so you can’t access other fund managers or buy shares here.

Look for their LifeStrategy range and choose between the 5 options depending on how spicy you want to be. 10 years +? Look at 80% or 100% ‘equities’. Shorter timeframes and want something like cash but a little bit souped-up? 20% or 40% ‘equities’. Read their website for details.