Hargreaves remains boringly good
The website is off-putting to less confident investors. For those familiar with the service, though it's easy to use and reliable
What we say
Holly has accounts with all the providers on our website and independently reviews all of them.
On the one hand, Hargreaves Lansdown remains one of the best. People on the phones know their stuff. Great app. A website which supports you to self-serve quickly. At times I'd say it's still the best in the market. But some cracks appeared in 2020. The phones occasionally took ages to be answered. There were some trading outages. These blips are still the exception not the norm. But with prices remaining stubbornly high, if their service wanes then I have some questions. There are very credible competitors.
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Best Buy 2021
Best Buy for Pension
Best Buy for Beginner Pension
Best Buy for Digital ISA
Best Buy for Digital Pension
Ease of use
The website is very product-focused and requires a level of pre-existing knowledge that many customers do not have.
That said reviews we get for Hargreaves Lansdown are almost universally positive – customer service is the stand-out feature.
The architecture behind the scenes is clever and navigating around the site is quick if you know what you need to do.
The JISA homepage is clear and easy to find, with helpful supporting information that clearly explains how JISAs work, the associated fee and how much you can invest. The integrated video is interesting, comprehensive, and concise, providing viewers with a solid foundation with which to make informed JISA choices.
Mobile & Apps
The app is great. You can sign up, research, view, add money and trade. The connection between ‘View’ and ‘Do’ is just seamless. If you have several accounts which you have linked, these are all easily seen too. This makes monitoring a child’s JISA alongside a previously existing ISA/SIPP account extremely straightforward. One of the best investment apps we use.
Behind the scenes
Boringly enough these guys continue to smash it out of the park when it comes to user experience. Trading is quick and easy. The site works well. Reporting is clear. Account linking is easy. Mobile and app is great. They do spend the slightly too high fees they charge customers well! Hard to fault in terms of performance.
Stocks and Shares ISA
Own brand funds
Funds from other groups
Stocks and shares
Robo advice / ready-made portfolios
Help building a portfolio
Includes a shortlist of investments
Pick your own funds
Pick your own shares
The 'Geeky' Details
The biggest and most established of them all, Hargreaves Lansdown looks after over £100bn of investors’ money. Providing a one-stop-shop for shares, funds, investment trusts, ETFs and cash, these guys know their stuff.
At 0.45% for admin, plus investment charges, expect to pay about 1.2% all-in for an actively managed investment and closer to 0.75% for a passive option.
Hargreaves Lansdown allow users to buy/sell funds for free, which is a useful feature for JISA accounts. Investors can chop and change funds as much as they like, as well as gain access to a wide variety of investments and markets. Share trading fees have been subsidised, with a £5.95 charge per trade, which is half the usual ISA share dealing price.
If you’re happy to pay a premium for good service, it is fair value. Just not the cheapest. Having said that, lots of people in the finance industry use it as they know it just works. It's a bit like Ocado. Good website, prompt service, polished, tasty, convenient, pricey.
Important Facts & Figures
The largest platform for investors, administering over £100bn. Listed on the FTSE 100.
£25 minimum monthly amount
£100 minimum initial amount for funds; no minimum for share