{"componentChunkName":"component---src-templates-information-js","path":"/boring-money-awards/who-are-the-best-providers-for-investment-research-2026/","result":{"data":{"post":{"id":"-5ce4ffa2-5aa1-569c-a9ca-729c44a126d6","_id":"fd1265b0-5026-4289-bb17-5ff598f43003","publishedAt":"2026-01-29T11:59:43.897Z","categories":[{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing"},{"_id":"bb11e79a-953f-4735-9106-15c3396ed2c5","title":"Boring Money Best Buy Awards"}],"mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-d87d9d4221c44155296ca39a17c9ec9b0b0e70b1-1920x1080-png"},"alt":null},"_rev":"8Tu6SYibLFgswLhELG5kfa","_updatedAt":"2026-01-30T16:34:06Z","title":"Best For Investment Research Award 2026 | Boring Money","noIndexExternal":null,"company":null,"subtitle":null,"template":"C-SB","showConfetti":false,"enableComments":null,"hideRelatedContent":null,"hidePublishedAtDate":null,"enableGatedContent":true,"gateStyle":"Blue heading with key and text central - faded","brazeCustomAttributesSB":[],"emailSignupWidgetTitle":null,"emailSignupWidgetImage":{"blankAltTag":null,"crop":null,"hotspot":null,"asset":null,"alt":"Gated content"},"emailSignupWidgetParagraphText":"Alongside the Best for Investment Research Content, you’ll get access to all our Best Buy award winners, quarterly performance updates and retirement planning tools.\nJoin thousands of people making smarter decisions about their money.","emailSignupWidgetButtonText":"SIGN UP","textNextToKey":"Sign up free - Takes less than 1 minute","emailSignupWidgetTextboxPlaceholder":null,"brazeCustomAttributes":[{"_key":"ea532bdff194","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_BBawards2025","customAttributeValue":"https://www.boringmoney.co.uk/boring-money-awards/boring-moneys-best-investment-research-2025/"}],"_rawGatedContentBody":[{"_key":"7126fdcdb5f1","_type":"block","children":[{"_key":"f7e279f48ff5","_type":"span","marks":[],"text":"Who won the Best For Investment Research Award 2026?"}],"markDefs":[],"style":"h2"},{"_key":"6b1aa9e10bcc","_type":"block","children":[{"_key":"a842a2bab309","_type":"span","marks":[],"text":"The winners are "},{"_key":"d155604b7e1b","_type":"span","marks":["strong"],"text":"AJ Bell, Fidelity, Hargreaves Lansdown, and interactive investor"},{"_key":"cd1fe162bbe6","_type":"span","marks":[],"text":". These providers were selected through independent testing of research tools and features (from stock screeners to technical analysis), evaluation of content quality and breadth, assessment of data capabilities and analytical tools, plus feedback from over 27,000 real customer reviews."}],"markDefs":[],"style":"normal"},{"_key":"cba8e854bbab","_type":"block","children":[{"_key":"df48c42a1735","_type":"span","marks":[],"text":"Find the platform with research that matches your needs"}],"markDefs":[],"style":"h2"},{"_key":"44aeaa71e9c9","_type":"block","children":[{"_key":"51bed90f5fbb","_type":"span","marks":["strong"],"text":"Hargreaves Lansdown"},{"_key":"c5d7ccb909d0","_type":"span","marks":[],"text":" for comprehensive analysis? "},{"_key":"323e59b1d785","_type":"span","marks":["strong"],"text":"AJ Bell"},{"_key":"1b254b1e30b6","_type":"span","marks":[],"text":" for learning? "},{"_key":"44d6dfe8f4b6","_type":"span","marks":["strong"],"text":"interactive investor"},{"_key":"f5e3a6824c4e","_type":"span","marks":[],"text":" for advanced tools?"}],"markDefs":[],"style":"normal"},{"_key":"0cb349da22df","_type":"block","children":[{"_key":"e1d4bc113709","_type":"span","marks":[],"text":"You've seen what each award winner offers - now find which platform delivers the research capabilities you need."}],"markDefs":[],"style":"normal"},{"_key":"96efe1b68020","_type":"prosConsWidget","pros":["Detailed research capability breakdowns - See what tools and data each provider offers","Weekly insights from founder Holly Mackay","Plain English guides to investment research and analysis","Expert help when you need it"],"prosTitle":"Want to read more? Sign up free to access:"},{"_key":"d2cc89bd3c4a","_type":"block","children":[{"_key":"fc3cffbdf462","_type":"span","marks":[],"text":"Trusted by over 70,000 investors"}],"markDefs":[],"style":"normal"},{"_key":"1591364fce54","_type":"block","children":[{"_key":"d283fab3e478","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ebcc83f53af0","_type":"block","children":[{"_key":"44ed3f58b1db","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"_rawGatedContentReadMoreText":null,"isPrivatePage":null,"theme":"Boring Money theme","_rawAuthorsText":[{"_key":"4e473e9a12f7","_type":"block","children":[{"_key":"2a877809d840","_type":"span","marks":[],"text":"Written by "},{"_key":"d37e9d13bf1d","_type":"span","marks":["698c5cfd8640"],"text":"Boring Money"}],"markDefs":[{"_key":"698c5cfd8640","_type":"internalLinkPick","reference":{"_id":"d303d967-e483-4761-b7bf-65760d5b1b66","_type":"landingPage","_rev":"CXeh6EomDfCPue4ojIBu4f","_createdAt":"2024-11-22T13:38:45Z","_updatedAt":"2025-05-13T16:28:37Z","content":[{"_key":"3046cc704ef2","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"c765589aad31","_type":"block","children":[{"_key":"dcf3b680ff6f0","_type":"span","marks":[],"text":"Behind the Brand: Boring Money's Team"}],"markDefs":[],"style":"h1"},{"_key":"787d633e4a5a","_type":"block","children":[{"_key":"293ec2996097","_type":"span","marks":[],"text":"Meet the experts, researchers, writers, and techies on a mission to make investing and personal finance in the UK more accessible - and a lot less dull -  led by our founder and CEO Holly Mackay. We believe in transparency. That’s why we’ve laid out exactly how we make money. And if you like the sound of what we do and want to get involved, check out our careers. We’re always on the lookout for curious minds who care about money done better."}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent"},{"_key":"f683b00757b2","_type":"bigBlockGroup","bigBlockItems":[{"_key":"3f3693fb4728","_type":"bigBlockItem","linkText":"READ MORE ","mainImage":{"_type":"mainImage","asset":{"_ref":"image-d1d2a76fc2569c004c618c1c5d59b70705245c80-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"58d94961-4531-43a2-a2d3-166e9141d824","_type":"reference"},"title":"About Boring Money: Who We Are & What We Do"},{"_key":"618814aa2734","_type":"bigBlockItem","linkText":"FIND OUT","mainImage":{"_type":"mainImage","asset":{"_ref":"image-598fe2cd4cc3b5ce18ea84b8ce1ad4dfc487c924-1920x1080-png","_type":"reference"}},"reference":{"_ref":"cc735c68-c1b8-4987-acff-3931653c3639","_type":"reference"},"title":"How We Make Money: Transparency at Our Core"},{"_key":"74b75285da9a","_type":"bigBlockItem","linkText":"TAKE A LOOK","mainImage":{"_type":"mainImage","asset":{"_ref":"image-ce4dbd10c42afbcab2a12f961809d8f1fc43ec3c-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"6dff6a49-b6ac-46cf-abed-819cb7486e2d","_type":"reference"},"title":"Inside Holly Mackay's Investment Choices"}],"equaliseHeight":true,"layout":"3x3","styles":"Grey-Transparent","titleLineClamp":6},{"_key":"f14c1032b3d062bf0a66a47b7420dfe8","_type":"bigBlockGroup","bigBlockItems":[{"_key":"ae94784e7ad7","_type":"bigBlockItem","linkText":"SEE MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-bcfd684aceb55ce5153bee046d612a8b93671f9c-1920x1080-png","_type":"reference"}},"reference":{"_ref":"e8c8845e-73a7-4f1e-8be6-9f99624c9f7e","_type":"reference"},"title":"Our Team is Growing: Careers at Boring Money"},{"_key":"5be3f38215ea","_type":"bigBlockItem","linkText":"MEET THE TEAM","mainImage":{"_type":"mainImage","asset":{"_ref":"image-042a752a9a0a33c6243e4a17023f9abd3f07829d-1920x1080-png","_type":"reference"}},"reference":{"_ref":"516669e2-db12-42ef-972b-f58702b5b93a","_type":"reference"},"title":"Meet the Faces Behind Boring Money"},{"_key":"b883d67092a9","_type":"bigBlockItem","linkText":"CONTACT US","mainImage":{"_type":"mainImage","asset":{"_ref":"image-bd61901b7d7d68f07e7eef8007dfdfe03503a0ae-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"3dcb29a2-9f86-4099-bd47-5737e7aba0be","_type":"reference"},"title":"Reach Out to Our Team"}],"equaliseHeight":true,"layout":"3x3","styles":"Grey-Transparent","titleLineClamp":6}],"publishedAt":"2024-11-22T09:56:14.341Z","slug":{"_type":"slug","current":"behind-the-brand-boring-moneys-team"},"subfolder":{"_ref":"83495465-d1dd-4049-a955-b065009036e6","_type":"reference"},"title":"Behind the Brand: Boring Money's Team","id":"-2eb74955-6fc7-5093-b92b-396b9b212c54","children":[],"parent":null}}],"style":"normal"}],"hideSocialIconsTop":null,"hideTitle":false,"slug":{"current":"who-are-the-best-providers-for-investment-research-2026"},"subfolder":{"folder":"/boring-money-awards/"},"_rawExcerpt":[{"_key":"83a80785b86c","_type":"block","children":[{"_key":"d2e66445875b","_type":"span","marks":[],"text":"The winners of Boring Money's Best For Investment Research Award 2026. Independent analysis of research tools, analysis quality and data across UK platforms."}],"markDefs":[],"style":"normal"}],"_rawBody":[{"_key":"62fc3c11ffcb","_type":"block","children":[{"_key":"d97b9fec0073","_type":"span","marks":[],"text":"Who won the Best For Investment Research Award 2026?"}],"markDefs":[],"style":"h2"},{"_key":"f87b0a89c891","_type":"block","children":[{"_key":"b2d0dded094b","_type":"span","marks":[],"text":"The winners are "},{"_key":"57f18541e01a","_type":"span","marks":["strong"],"text":"AJ Bell, Fidelity, Hargreaves Lansdown, and interactive investor"},{"_key":"f7d2710a91bc","_type":"span","marks":[],"text":". These providers were selected through independent testing of research tools and features (from stock screeners to technical analysis), evaluation of content quality and breadth, assessment of data capabilities and analytical tools, plus feedback from over 22,000 real customer reviews."}],"markDefs":[],"style":"normal"},{"_key":"7f66da82e2bb","_type":"textboxWidget","image":{"_type":"mainImage","asset":{"_id":"image-27d3cccee9704df964cf234564b3f721afe9772e-940x788-png","_type":"sanity.imageAsset","_rev":"8sLbU849Ngr6bwLlc83V2Y","_createdAt":"2026-01-20T10:52:18Z","_updatedAt":"2026-01-20T10:52:18Z","assetId":"27d3cccee9704df964cf234564b3f721afe9772e","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"eRRV|bt7_Ms;$xxvj[WAayof_Mf7IAj[N1X4ayxaj[R*R#f8etfikX","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.1928934010152283,"height":788,"width":940},"hasAlpha":false,"isOpaque":true,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#353460","foreground":"#fff","population":0.06,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#0b1127","foreground":"#fff","population":0.08,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#8ba0e0","foreground":"#000","population":4.02,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#cba5c8","foreground":"#000","population":0.92,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#8ba0e0","foreground":"#000","population":4.02,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#473f82","foreground":"#fff","population":0.23,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#4e3eeb","foreground":"#fff","population":2.53,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"BF INVESTMENT RESEARRCH 2026 SQUARE.png","path":"images/k8qzcdw3/prod1503/27d3cccee9704df964cf234564b3f721afe9772e-940x788.png","sha1hash":"27d3cccee9704df964cf234564b3f721afe9772e","size":95698,"uploadId":"jR69QsVISkyWUV64bWyxAwtdix1emscu","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/27d3cccee9704df964cf234564b3f721afe9772e-940x788.png","filename":"BF INVESTMENT RESEARRCH 2026 SQUARE.png","width":940,"height":788,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/27d3cccee9704df964cf234564b3f721afe9772e-940x788.png?rect=208,0,525,788&w=%width%&h=%height%&q=80","id":"image-27d3cccee9704df964cf234564b3f721afe9772e-940x788-png","children":[],"parent":null},"blankAltTag":true},"imagePosition":"Top right","text":[{"_key":"a55603b0c588","_type":"block","children":[{"_key":"774dec28972d","_type":"span","marks":[],"text":"What are the Boring Money Best Buy Awards?"}],"markDefs":[],"style":"h3"},{"_key":"b2e99247f11c","_type":"block","children":[{"_key":"867b829342c3","_type":"span","marks":[],"text":"The Boring Money Best Buy Awards are independent rankings of UK investment platforms and providers, running for 9 consecutive years. "}],"markDefs":[],"style":"normal"},{"_key":"5bfd7edc938f","_type":"block","children":[{"_key":"8bee80c5d923","_type":"span","marks":[],"text":"The awards recognise the best providers across multiple categories, including "},{"_key":"fdb76c68982e","_type":"span","marks":["dde580792b3a"],"text":"Stocks & Shares ISAs,"},{"_key":"258e62bdfa17","_type":"span","marks":[],"text":" "},{"_key":"8f4ce3635b29","_type":"span","marks":["1ff810f826bc"],"text":"pensions"},{"_key":"f184c667365f","_type":"span","marks":[],"text":", digital investment apps, and customer experience."}],"markDefs":[{"_key":"dde580792b3a","_type":"internalLinkPick","reference":{"_id":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"information","_rev":"8LO5O2Z8C4HuWQBIqE66mC","_createdAt":"2021-06-22T07:54:58Z","_updatedAt":"2026-03-20T13:01:36Z","_system":{"base":{"id":"4506578b-e50c-4553-8a44-48ae9d21285e","rev":"zMWGSpAy56s48nwtwPTq88"}},"authors":[{"_key":"a2dc53edf3d2","_type":"personReference","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"people","_rev":"n54XUON695cO06xFcT7KHi","_createdAt":"2021-07-16T15:41:47Z","_updatedAt":"2026-04-16T00:00:29Z","_system":{"base":{"id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","rev":"1XrksDlMkoAPinyrcm2t9G"}},"answeredQuestionsRank":252,"averageRating":0,"bio":[{"_key":"bf1f1c58fef9","_type":"block","children":[{"_key":"97ba1f193b22","_type":"span","marks":[],"text":"Boring Money is an independent company founded in 2015 to make investing, saving and financial planning accessible for everyday people without a PhD in finance. "}],"markDefs":[],"style":"normal"},{"_key":"529bed96fa8e","_type":"block","children":[{"_key":"46347ea68efb","_type":"span","marks":[],"text":"Led by industry veteran "},{"_key":"d6819d3bfe17","_type":"span","marks":["12ac5536ccfd"],"text":"Holly Mackay"},{"_key":"00f260fdccf0","_type":"span","marks":[],"text":" with over 24 years' experience, Boring Money's mission is to demystify savings, investments, and pensions. We help consumers with educational content, research, and user-friendly tips - all without the confusing technical jargon!"}],"markDefs":[{"_key":"12ac5536ccfd","_type":"link","href":"https://www.boringmoney.co.uk/advisers/holly-mackay/"}],"style":"normal"},{"_key":"dbb1c5ff82a3","_type":"block","children":[{"_key":"a9b296baf5d3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8a06e569aa6a","_type":"prosConsWidget","cons":["Confusing industry jargon!"],"consTitle":"Dislikes:","pros":["Making money make sense"],"prosTitle":"Likes:"},{"_key":"04271e0685d4","_type":"block","children":[{"_key":"a68362f24eb7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3e82861a3b80","_type":"block","children":[{"_key":"0f6b76e2f7e6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7f1e7a776f24","_type":"block","children":[{"_key":"44781b4aa451","_type":"span","marks":["em"],"text":"Boring Money is not a regulated financial advice firm. We provide generic information to help you understand your options. We make money from sponsorship, advertising, and referral fees - all transparently disclosed "},{"_key":"8f2d6d572758","_type":"span","marks":["em","a3db01606b86"],"text":"here"},{"_key":"07c6279db2e5","_type":"span","marks":["em"],"text":"."}],"markDefs":[{"_key":"a3db01606b86","_type":"link","href":"https://www.boringmoney.co.uk/how-we-make-money/"}],"style":"normal"}],"categories":[{"_key":"5577aff62e48","_ref":"976f2dc9-ded3-47fc-bc52-bd928767a578","_type":"reference"}],"dashboardId":"b3cf6703-691d-4826-9ddc-762eeb58c289","dateAnsweredRank":88,"email":"community@boringmoney.co.uk","excerpt":[{"_key":"e8edde7ba304","_type":"block","children":[{"_key":"ffba4fdcab87","_type":"span","marks":[],"text":"This is a Boring Money Advice admin page. This adviser directory allows you to browse trusted, vetted financial advisers. Enter your location or use the advanced filters to find the perfect match."}],"markDefs":[],"style":"normal"}],"hideFeeStructure":true,"image":{"_type":"mainImage","alt":"Boring Money","asset":{"_ref":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg","_type":"reference"},"blankAltTag":true,"caption":"Boring Money","crop":{"_type":"sanity.imageCrop","bottom":0,"left":0.10897435897435898,"right":0.1217948717948718,"top":0},"hotspot":{"_type":"sanity.imageHotspot","height":1,"width":0.7628205128205129,"x":0.49679487179487175,"y":0.5}},"location":{"_ref":"6647e624-276a-461e-84a8-f8e62eb9143e","_type":"reference"},"name":"Boring Money","numberOfLikes":1828,"numberOfRatings":0,"publishedAt":"2026-01-20T13:29:05.059Z","showAdviser":false,"slug":{"_type":"slug","current":"boring-money"},"specialisations":[{"_key":"d3e41a6fbb34","_ref":"4807983c-8f5a-49f7-83bd-fcc53e0f81e8","_type":"reference"}],"summary":[{"_key":"8ab6b22d9f47","_type":"block","children":[{"_key":"aa17690f4230","_type":"span","marks":[],"text":"Here to help you understand your options and make smart money choices."}],"markDefs":[],"style":"normal"}],"id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","children":[],"parent":null}}],"body":[{"_key":"c6d7e72e50e2","_type":"anchorMenuMobile","title":"s"},{"_key":"ea74a8939242","_type":"block","children":[{"_key":"2f154aa19269","_type":"span","marks":[],"text":""},{"_key":"01a54bf88e38","_type":"mainAnchor","pageAnchor":{"_ref":"db1de37b-dd40-4df6-812f-2257eb14f1aa","_type":"reference"}},{"_key":"7fc2cff95337","_type":"span","marks":[],"text":"The basics of Stocks & Shares ISAs"}],"markDefs":[],"style":"h2"},{"_key":"1c898c00849f","_type":"prosConsWidget","pros":["Can do much better than cash","No strings - take your money out when you need it","Pay no tax on any profits you make","Get going online from just £1 a month"],"prosTitle":"In a nutshell"},{"_key":"4653a713178f","_type":"emailSignupWidget","brazeCustomAttributes":[{"_key":"ddfe7e086e0c","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_ISAStocksandShares_Guide","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/stocks-shares-isa/"}],"brazeSubscriptionGroupId":"6ff8b394-c40b-4cb3-9396-e41096e561af","brazeSubscriptionRef":null,"image":{"_type":"mainImage","alt":"Trust pilot rating for Boring Money is 4.9 stars","asset":{"_ref":"image-dfc014340a982f044870a9200e9bba39927020cc-1000x575-png","_type":"reference"},"crop":{"_type":"sanity.imageCrop","bottom":0,"left":0,"right":0.3167808219178082,"top":0},"hotspot":{"_type":"sanity.imageHotspot","height":0,"width":0,"x":0.5839041095890409,"y":0.5}},"paragraphText":"Like what you're reading? Sign up to Boring Money for more!","thankYouText":[{"_key":"c19ac9aca719","_type":"block","children":[{"_key":"e92f6e4d1af7","_type":"span","marks":[],"text":"Thank you for signing up!"}],"markDefs":[],"style":"normal"}]},{"_key":"e62f483aae76","_type":"block","children":[{"_key":"d4794fd7ecab","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"898e6a6b7a92","_type":"block","children":[{"_key":"824b2783e2f7","_type":"span","marks":[],"text":""},{"_key":"1f3e55e1b73b","_type":"mainAnchor","pageAnchor":{"_ref":"c51dfbf0-7502-4c5d-b54d-cb8a53aaf690","_type":"reference"}},{"_key":"ca6e81dde3d1","_type":"span","marks":[],"text":"What is a Stocks & Shares ISA?"}],"markDefs":[],"style":"h2"},{"_key":"5c0cd91832c6","_type":"block","children":[{"_key":"c405c9f0938f","_type":"span","marks":[],"text":"A Stocks & Shares ISA is a type of savings account where you can save your money and invest in the stock market without having to worry about paying tax on any profits made. Every adult in the UK can tuck away up to"},{"_key":"6d5239f3d1e6","_type":"span","marks":["strong"],"text":" "},{"_key":"33624dfeed19","_type":"span","marks":[],"text":"£20,000 into a Stocks & Shares ISA in a single year, and any profits or income you make are tax-free. Forever. You can also take your money out whenever you need to (although beware that doing so and then adding money back in within the same tax year can impact your annual allowance if it's not a "},{"_key":"7ee5172da5c2","_type":"span","marks":["8242bba4c93e"],"text":"\"flexible\" ISA"},{"_key":"355abfc0a819","_type":"span","marks":[],"text":")."}],"markDefs":[{"_key":"8242bba4c93e","_type":"internalLinkPick","reference":{"_ref":"decc7a5d-2a64-4c9b-9fa6-aac6a4a89581","_type":"reference"}}],"style":"normal"},{"_key":"2eb50191f038","_type":"block","children":[{"_key":"882585431f3a","_type":"span","marks":[],"text":""},{"_key":"8c9d07a1b021","_type":"mainAnchor","pageAnchor":{"_ref":"f7f5e256-63dc-4d19-9d8d-31a6e15b7bbb","_type":"reference"}},{"_key":"66a4aade950b","_type":"span","marks":[],"text":"How do Stocks & Shares ISAs work?"}],"markDefs":[],"style":"h2"},{"_key":"86bc66456f00","_type":"block","children":[{"_key":"68bd96148d6a0","_type":"span","marks":[],"text":"As is always the case when it comes to investing in the stock market, you can lose money as well as make a profit. But where Stocks & Shares ISAs really shine is that they're a great product for those that want to invest but are put off by the complex and confusing tax rules that come with other types of investment accounts - such as General Investment Accounts (GIAs). So if you're thinking of investing but find wrapping your head around tax a bit of a headache, a Stocks & Shares ISA could be right for you."}],"markDefs":[],"style":"normal"},{"_key":"35c6e1afcd86","_type":"block","children":[{"_key":"634d137989f1","_type":"span","marks":[],"text":"For this reason, Stocks & Shares ISAs are popular with beginner and DIY investors in particular, but are a handy addition to any investor's portfolio if they want to make the most of their annual tax and earnings allowances. However, unlike the Cash ISA (where your money sits idly, safe and steady in cash reserves) a Stocks & Shares ISA gives you exposure to the stock market - and all the inherent highs and lows that come with it. So maybe not for you if you're investing for a short period of time or you'd rather something with less risk."}],"markDefs":[],"style":"normal"},{"_key":"184d3fed24f2","_type":"block","children":[{"_key":"c874269636cf","_type":"span","marks":[],"text":"Despite all the bells and whistles, just 15% of UK adults hold a Stocks and Shares ISA account. Still not sure if they're right for you? Scroll down to delve into the pros and cons to help you decide."}],"markDefs":[],"style":"normal"},{"_key":"42ae7f95d77d","_type":"block","children":[{"_key":"065061ecf983","_type":"span","marks":[],"text":""},{"_key":"7b9a9b3830f3","_type":"mainAnchor","pageAnchor":{"_ref":"03489c0e-4cd2-48d7-8700-e6eb389280d6","_type":"reference"}},{"_key":"07f61339a933","_type":"span","marks":[],"text":"Is a Stocks & Shares ISA right for me?"}],"markDefs":[],"style":"h2"},{"_key":"b63a98b22f71","_type":"block","children":[{"_key":"0181f9cabb8f","_type":"span","marks":[],"text":"Deciding if a Stocks & Shares ISA is a good addition to your investment portfolio can be tricky, but it ultimately comes down to how long you're investing for and how much risk you're comfortable with. Have a peek at the pros and cons of Stocks & Shares ISAs in the table below to work out if they're right for you."}],"markDefs":[],"style":"normal"},{"_key":"5a9beb608fb1","_type":"prosConsWidget","cons":["You'll need access to your money soon","You have credit card debt to pay off","You'll faint if markets have a bad year"],"consTitle":"Bad if","pros":["Want to invest without worrying about tax","You have an investing timeframe of 5 years+","Interest rates are low"],"prosTitle":"Good if"},{"_key":"dde5d08dbd96","_type":"block","children":[{"_key":"55f7770c12ac","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1caf5b9fb5e4","_type":"block","children":[{"_key":"61c9b3627352","_type":"span","marks":[],"text":""},{"_key":"8e14b4983241","_type":"mainAnchor","pageAnchor":{"_ref":"61abfcc5-ca28-406e-af55-8b50ff2af72f","_type":"reference"}},{"_key":"84a693f93c0b","_type":"span","marks":[],"text":"Stock markets vs cash"}],"markDefs":[],"style":"h2"},{"_key":"39edf33f9f39","_type":"block","children":[{"_key":"900d8b1f1e5d","_type":"span","marks":["strong"],"text":"If you had put £1,000 away in 2014, what would it be worth by the end of 2025?"}],"markDefs":[],"style":"normal"},{"_key":"0427d38014c8","_type":"block","children":[{"_key":"0cb657307e7c","_type":"span","marks":[],"text":"The graph below shows you a recent example of how cash has performed compared to stock market shares. For the purposes of this illustration, we've looked at the growth of a single £1,000 lump sum investment in cash and in two stock market indices: the "},{"_key":"f1915286e2d0","_type":"span","marks":["f365db81b024"],"text":"FTSE 100"},{"_key":"5adc2e3f2dd3","_type":"span","marks":[],"text":" and "},{"_key":"2c863edac773","_type":"span","marks":["405dad0129e4"],"text":"MSCI World"},{"_key":"6b6977283874","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"f365db81b024","_type":"glossaryPick","reference":{"_ref":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"reference"}},{"_key":"405dad0129e4","_type":"glossaryPick","reference":{"_ref":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"reference"}}],"style":"normal"},{"_key":"bf50d697e081","_type":"block","children":[{"_key":"1e67ab98fc3e","_type":"span","marks":[],"text":"It's clear to see that leaving your money in cash (pink) led to significantly less growth over the period between 2014 and 2025 than if you had invested in stock markets. And although the British FTSE 100 Index (blue) didn't perform quite as well as MSCI World (green), it still climbed by a whopping £1,294- compared to gains of just £199 from cash over the same time period. MSCI World has an impressive £2,806 gain."}],"markDefs":[],"style":"normal"},{"_key":"30cfa74fa485","_type":"block","children":[{"_key":"c83627867777","_type":"span","marks":[],"text":"NB: The dip you can see after Q4 2019 reflects the start of the COVID-19 pandemic and subsequent global lockdowns."}],"markDefs":[],"style":"normal"},{"_key":"04f7de214aa6","_type":"block","children":[{"_key":"4de77c5f9f75","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0fc5603f98be","_type":"frameWidget","href":"https://www.canva.com/design/DAG7OFE42_c/V25AjrWXM8szDDn7pZL9bg/view?embed"},{"_key":"9f0b8c9854d4","_type":"block","children":[{"_key":"c4d261625774","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ada0129d9d9","_type":"block","children":[{"_key":"102d48141425","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b76c279925f3","_type":"block","children":[{"_key":"daa564b0431f","_type":"span","marks":[],"text":""},{"_key":"76be62699b3e","_type":"mainAnchor","pageAnchor":{"_ref":"abce80e4-d3d9-4aac-abc1-510b2c118415","_type":"reference"}},{"_key":"f30cc6342f8e","_type":"span","marks":[],"text":"Stocks & Shares ISA: Short-term vs long-term investing "}],"markDefs":[],"style":"h2"},{"_key":"d82a8fc2fd0c","_type":"block","children":[{"_key":"8c136c2f2755","_type":"span","marks":[],"text":"It can be helpful to think about investing in the stock market a bit like the housing market. Imagine you hear on the news that the property market is down 3% in your area. Do you freak out, run for the hills and stockpile baked beans? No – only if you don't have a choice and "},{"_key":"aad09a6b9855","_type":"span","marks":["em"],"text":"have "},{"_key":"acc88a1b29a6","_type":"span","marks":[],"text":"to sell that year. Otherwise, you sit tight and wait for the market to recover. "}],"markDefs":[],"style":"normal"},{"_key":"1c3ec473a32f","_type":"block","children":[{"_key":"9342c0a6ccfa","_type":"span","marks":[],"text":"Shares and investing in the stock market are kind of the same. Unless you need to sell at that very point in time, you can sit tight and ride out the bad times, only selling when the markets are more in your favour. "}],"markDefs":[],"style":"normal"},{"_key":"b02b151be7de","_type":"block","children":[{"_key":"738702b1f9bc","_type":"span","marks":[],"text":"This is why timeframes matter so much. If you know you'll need to cash in within 12 months, stick it in the stock market anyway, and then some unfortunate force sends markets tumbling... well, you’re stuffed and your back’s against the wall. You'll have to withdraw your cash during a dip. But if you can park your money for longer - say, 5 years or more - it’s much less likely you'll have to sell when things are rubbish."}],"markDefs":[],"style":"normal"},{"_key":"4249037765fa","_type":"block","children":[{"_key":"53725bd4af3b0","_type":"span","marks":[],"text":"As a very loose rule of thumb, expecting to make about 5% a year from a diversified portfolio (that is, essentially, a mixed bag) of investments should be achievable. Some years it could be 20%, some years it could be minus 20%. An important rule for investing is to avoid needing to be a forced seller in bad years, so the longer you give yourself to invest, the greater your ability to ride out any rough patches and cash in on your own terms - hopefully once you've made a decent profit!"}],"markDefs":[],"style":"normal"},{"_key":"b498c1bc502f","_type":"textboxWidget","image":{"_type":"mainImage","asset":{"_ref":"image-5b3b22671ffb7aa8393fcc54bdb8a3997661c7b5-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","text":[{"_key":"d2e21570f22c","_type":"block","children":[{"_key":"aad4aba88be0","_type":"span","marks":["strong"],"text":"Regular cash savers are putting away £273 a month. Investors, £344."}],"markDefs":[],"style":"normal"},{"_key":"0a6820c76412","_type":"block","children":[{"_key":"9fb848382c6c","_type":"span","marks":[],"text":"These cash savers are just one step away from turning their strong saving habits into regular investing."}],"markDefs":[],"style":"normal"},{"_key":"e64d75bc2906","_type":"block","children":[{"_key":"afca20e228cd","_type":"span","marks":[],"text":"What are the features cash savers say make it easier to start investing? "},{"_key":"48fbd31bb9aa","_type":"span","marks":["f730de15eeba"],"text":"BlackRock’s Bridging the gap"},{"_key":"0d5e7df8ff12","_type":"span","marks":[],"text":": From saving to investing report highlights:"}],"markDefs":[{"_key":"f730de15eeba","_type":"internalLinkPick","blank":true,"reference":{"_ref":"0b51e9cf-43b7-4190-b031-36291f16aae4","_type":"reference"}}],"style":"normal"},{"_key":"453e93897994","_type":"block","children":[{"_key":"2aedddce4231","_type":"span","marks":[],"text":"Start small: 83% of savers say they’d be more likely to invest if they could start with as little as £1–£50 per month"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"3e75d7d5dde4","_type":"block","children":[{"_key":"33be64d98fea","_type":"span","marks":[],"text":"Keep it simple: ~45% want flexibility, transparency and simplicity"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d7febbb343a7","_type":"block","children":[{"_key":"f7f2540357d9","_type":"span","marks":[],"text":"Confidence: 43% want a step-by-step guide"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7ace29174796","_type":"block","children":[{"_key":"b96ddbe72b8d","_type":"span","marks":[],"text":"Every investor starts somewhere. Small steps, big impact."}],"markDefs":[],"style":"normal"},{"_key":"86b7f8fbd798","_type":"block","children":[{"_key":"d798c4554489","_type":"span","marks":["strong"],"text":"​"},{"_key":"6e4c5fe32663","_type":"span","marks":[],"text":"Regular cash saver = Respondents who said they 'do not currently have investments but are open to investing in the future' and who are regularly making contributions to cash savings account or ISA.​\nSource: "},{"_key":"ed17e1151fd1","_type":"span","marks":["599380446bb4"],"text":"BlackRock Bridging the gap: From saving to investing"},{"_key":"9ed9cd2c3b6f","_type":"span","marks":[],"text":", Dec 2025"}],"markDefs":[{"_key":"599380446bb4","_type":"internalLinkPick","reference":{"_ref":"0b51e9cf-43b7-4190-b031-36291f16aae4","_type":"reference"}}],"style":"normal"}],"title":"Blackrock"},{"_key":"31edda0e601c","_type":"block","children":[{"_key":"acd4ebc366e1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"d01a141e8c03","_type":"block","children":[{"_key":"e682afe0f5d1","_type":"span","marks":["strong"],"text":"Find out more"}],"markDefs":[],"style":"normal"},{"_key":"41bce9ed5340","_type":"block","children":[{"_key":"81b442eaa20a","_type":"span","marks":["em"],"text":""}],"markDefs":[],"style":"normal"}],"_key":"301e2d4ad05a","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"partner":true,"reference":{"_id":"0b51e9cf-43b7-4190-b031-36291f16aae4","_type":"linkCategory","_rev":"YkA36qTDOerM1fSJb5UReZ","_createdAt":"2026-01-23T13:56:57Z","_updatedAt":"2026-01-23T13:57:15Z","description":"Blackrock Report: Bridging the gap","url":"https://www.blackrock.com/uk/literature/whitepaper/bridging-the-gap-report.pdf","id":"-17ce0f77-1339-5b8e-ba48-0fce5765743f","children":[],"parent":null},"text":"READ THE REPORT"},{"_key":"f1b8c015a37e","_type":"block","children":[{"_key":"3969728b09df","_type":"span","marks":[],"text":""},{"_key":"41e2b96a1a81","_type":"mainAnchor","pageAnchor":{"_ref":"de11b854-1405-452f-b312-e1ed6bbc24a8","_type":"reference"}},{"_key":"465560c9831b","_type":"span","marks":[],"text":"Stocks & Shares ISA: How risky is it?"}],"markDefs":[],"style":"h2"},{"_key":"507928f37beb","_type":"block","children":[{"_key":"fd3122a14683","_type":"span","marks":[],"text":"A Stocks & Shares ISA is as risky as whatever you're using it to invest in. So first up, don’t lose your mind and chase daft things like Bitcoin, gambling and spivvy schemes. Investing ultimately comes down to backing decent companies which do things you can get your head around and which make a profit, or have a damn good plan which will "},{"_key":"8a32973014ba","_type":"span","marks":["em"],"text":"make "},{"_key":"97946f0a6356","_type":"span","marks":[],"text":"them a profit. It’s like Dragon’s Den but on a larger scale."}],"markDefs":[],"style":"normal"},{"_key":"1d6886405254","_type":"block","children":[{"_key":"268a63f04360","_type":"span","marks":[],"text":"Some companies won’t make it. They won't hit oil, get that patent, or they'll suffer at the hands of an inept CEO. And if you're putting all your money behind that one company, then you're potentially losing a lot of it when its shares start to fall. That's why another of the most important rules of investing is to diversify and spread your money around a mix of different investments, so you can minimise your exposure to any one bad apple. So whether you're using a Stocks & Shares ISA or a "},{"_key":"0f9f6494d7ff","_type":"span","marks":["1dd505a90510"],"text":"Self-Invested Personal Pension (SIPP)"},{"_key":"2e7dba79791a","_type":"span","marks":[],"text":", investing in a "},{"_key":"4d4c45857700","_type":"span","marks":["22fe9ab63204"],"text":"fund"},{"_key":"8d3839177efd","_type":"span","marks":[],"text":" or an "},{"_key":"f66b16c429bf","_type":"span","marks":["97babda9aee4"],"text":"ETF"},{"_key":"ba6e4142de20","_type":"span","marks":[],"text":", bear this in mind."}],"markDefs":[{"_key":"22fe9ab63204","_type":"internalLinkPick","reference":{"_ref":"563c0ac4-83b1-459c-bc85-2ffbcf7d3521","_type":"reference"}},{"_key":"1dd505a90510","_type":"internalLinkPick","reference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"}},{"_key":"97babda9aee4","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}}],"style":"normal"},{"_key":"b9df4bec5115","_type":"block","children":[{"_key":"c5c87a2d112e","_type":"span","marks":[],"text":"No-one can look you in the eye and guarantee that you will absolutely, 100% make money in the stock market. However, if you're looking at more than a 5-year timeframe, the odds have historically ruled in favour for the stock market to do better than cash. And though Cash ISAs will protect your lump sum, your money is likely to grow at a much slower pace. This leaves you particularly exposed to the risk of inflation, and with the cost of living going up faster than interest rates, any cash sitting in a bank account is effectively going backwards in value – that is, its purchasing clout gets lower every year. "}],"markDefs":[],"style":"normal"},{"_key":"dfb5ca6d784c","_type":"block","children":[{"_key":"24910e026c40","_type":"span","marks":[],"text":"So really, it's a personal choice. Would you sleep better at night knowing there's virtually no risk in losing any capital? Then a Cash ISA is probably better for you. But if you still want to invest in the stock market, remember that the longer you give yourself, the more time you have to ride out any bumps along the way - smoothing out your risk exposure."}],"markDefs":[],"style":"normal"},{"_key":"a19592681683","_type":"block","children":[{"_key":"16b267dade6c","_type":"span","marks":[],"text":"For more on weighing up Cash ISAs and Stocks & Shares ISAs, and which is best for your attitude to investment risk, check out "},{"_key":"1b8670dab76d","_type":"span","marks":["2586b1357dc1"],"text":"this article"},{"_key":"7fcf36788e22","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"2586b1357dc1","_type":"internalLinkPick","reference":{"_ref":"f1074ea6-e7b0-475f-9cb0-4a22d74cebf5","_type":"reference"}}],"style":"normal"},{"_key":"8d8c7ecb2baf","_type":"block","children":[{"_key":"7b8787a7b096","_type":"span","marks":[],"text":""},{"_key":"88ec304fd373","_type":"mainAnchor","pageAnchor":{"_ref":"496a8c48-2177-45d5-878c-b03dbeb72ed7","_type":"reference"}},{"_key":"80cb4e197000","_type":"span","marks":[],"text":"Stocks & Shares ISAs and tax"}],"markDefs":[],"style":"h2"},{"_key":"5cc510db1390","_type":"block","children":[{"_key":"bc8574d89c45","_type":"span","marks":[],"text":"Stocks and Shares ISAs are tax-efficient in a number of ways. Here are 3 ways they can help you invest without worrying about the taxman:"}],"markDefs":[],"style":"normal"},{"_key":"437df0c7b0b6","_type":"block","children":[{"_key":"a6e277bfc4c0","_type":"span","marks":["strong"],"text":"You don’t pay capital gains tax on profits from increases in share prices when shares are sold."},{"_key":"0590f2554115","_type":"span","marks":[],"text":" Good. Outside an ISA you’d pay 10% (basic rate taxpayer) or 20% (higher rate taxpayer) once you go over your capital gains tax allowance for the year."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"12647d7145bb","_type":"block","children":[{"_key":"ae3fc00efb36","_type":"span","marks":["strong"],"text":"There's no tax on interest earned on bonds"},{"_key":"57a38ced89d0","_type":"span","marks":[],"text":". Nice. This would be treated like cash interest outside of an ISA."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"5af4998bc30d","_type":"block","children":[{"_key":"dbb0eee89652","_type":"span","marks":["strong"],"text":"There's no tax on dividends within an ISA"},{"_key":"0ac8750f3132","_type":"span","marks":[],"text":". Outside an ISA, there's a dividend allowance of £1,000. Beyond that, dividends are taxed at 8.75% (basic rate taxpayer), 33.75% (higher rate taxpayer) and 39.35% (additional rate taxpayer)."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7c82650eb34b","_type":"block","children":[{"_key":"7b5527c9788d","_type":"span","marks":[],"text":""},{"_key":"3e0d664bece7","_type":"mainAnchor","pageAnchor":{"_ref":"d126b370-d02a-448b-94fa-bfd7b22886df","_type":"reference"}},{"_key":"6230b3d15fbd","_type":"span","marks":[],"text":"How do I start investing with a Stocks & Shares ISA?"}],"markDefs":[],"style":"h2"},{"_key":"99ecd88f0312","_type":"block","children":[{"_key":"5469e42a949f0","_type":"span","marks":[],"text":"If you haven't invested before, it can be daunting to figure out which products to buy and where to purchase them, but the good news is that the whole process is simpler than ever before."}],"markDefs":[],"style":"normal"},{"_key":"6e8fb0875c73","_type":"block","children":[{"_key":"3946793871d20","_type":"span","marks":[],"text":"If you're a beginner investor and you're not quite sure who to trust, every year we recognise the companies we think offer the very best Stocks & Shares ISAs with our coveted Best Buy ISA award. Read about this year's Best Buy ISA winners and see our full reviews of each one by clicking the link below!"}],"markDefs":[],"style":"normal"},{"_key":"2b71fd5a9b70","_type":"block","children":[{"_key":"0a297569984d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"d626d7518d94","_type":"block","children":[{"_key":"dd6966a51be1","_type":"span","marks":["strong"],"text":"Discover the winners of the 2025 Best Buy ISA award"}],"markDefs":[],"style":"normal"}],"_key":"cc4b6cd593b5","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_id":"2ad629d9-20cb-4c7a-baa9-ff52494a3b0d","_type":"information","_rev":"Ewf4v2v4ytSplQZteKv3Ka","_createdAt":"2025-01-24T15:57:25Z","_updatedAt":"2025-12-30T12:30:09Z","_system":{"base":{"id":"2ad629d9-20cb-4c7a-baa9-ff52494a3b0d","rev":"2jDjJGDnxfM3xaU5Gt77Bj"}},"authors":[{"_key":"dea689bf6169","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"body":[{"_key":"16184086461b","_type":"block","children":[{"_key":"f7822bbd3c660","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d761a9e5619d","_type":"textboxWidget","image":{"_type":"mainImage","asset":{"_ref":"image-5175f7880a3647a6d95e0dcc4f44f13ba5823fb8-1920x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","text":[{"_key":"5e92c61fe469","_type":"block","children":[{"_key":"ff30c4c490510","_type":"span","marks":[],"text":"What are the Boring Money Best Buy Awards?"}],"markDefs":[],"style":"h3"},{"_key":"b81b6a320677","_type":"block","children":[{"_key":"b5e368469e8c0","_type":"span","marks":[],"text":"The Boring Money Best Buy Awards have been running for 9 consecutive years. "}],"markDefs":[],"style":"normal"},{"_key":"6ecfac0706cb","_type":"block","children":[{"_key":"0bdc9cd9b4c4","_type":"span","marks":[],"text":"They are designed to recognise the best investment platforms and providers in the UK across a range of categories - from Stocks & Shares ISAs, pensions, digital investment apps, and customer experience. "}],"markDefs":[],"style":"normal"},{"_key":"667658658941","_type":"block","children":[{"_key":"44e2c23c456e0","_type":"span","marks":[],"text":"We select our winners based on an exclusive combination of our independent opinion, deep dives into technical information and over 22,000 real customer reviews."}],"markDefs":[],"style":"normal"},{"_key":"ab0c88526427","_type":"block","children":[{"_key":"3599dc3f77380","_type":"span","marks":[],"text":"At the heart of it all, our Best Buy Awards are designed to champion the voice of the consumer and "},{"_key":"a6e118668ce3","_type":"span","marks":["strong"],"text":"help you make better, more informed choices about investing."}],"markDefs":[],"style":"normal"},{"_key":"d595ad143314","_type":"block","children":[{"_key":"56ba31642a4f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"5df51292ea0b","_type":"block","children":[{"_key":"1528e1b6ea930","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2474cabd61c7","_type":"block","children":[{"_key":"115fc789cbdd0","_type":"span","marks":[],"text":"How we choose our Best Buy Stocks & Shares ISA winners"}],"markDefs":[],"style":"h2"},{"_key":"496c16e41287","_type":"block","children":[{"_key":"1cd64b1a64e40","_type":"span","marks":[],"text":"Think picking the best Stocks & Shares ISA is straightforward? Think again. Our methodology for choosing Best Buy ISAs is seriously thorough, because we know how much costs matter to your long-term returns."}],"markDefs":[],"style":"normal"},{"_key":"419215e3d9e0","_type":"block","children":[{"_key":"21c5df00c3510","_type":"span","marks":[],"text":"We've crunched the numbers on over 20 different investing scenarios - from regular fund investors to share traders, and those who prefer ready-made solutions. We examine costs across 7 different portfolio sizes, starting with modest £1,000 pots right up to chunky £300,000 portfolios. Why? Because what's cheap for a £5,000 ISA might not be best value when you've built up £100,000."}],"markDefs":[],"style":"normal"},{"_key":"8306d6ec0ea9","_type":"block","children":[{"_key":"078abbdf22160","_type":"span","marks":[],"text":"And we don't just look at headline rates - we dig into all those pesky charges that can eat away at your returns, like trading fees, fund dealing charges, and platform costs. Plus, we only consider providers with at least 100 genuine customer reviews, because real-world experience matters."}],"markDefs":[],"style":"normal"},{"_key":"b5dab095b5f5","_type":"block","children":[{"_key":"0bd499bad4b00","_type":"span","marks":[],"text":"No fluff, no favourites - just solid analysis to help you find the best Stocks & Shares ISA for you."}],"markDefs":[],"style":"normal"},{"_key":"979f9c6a336e","_type":"block","children":[{"_key":"4702fcb4a569","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"4ee7e06768ff","_type":"block","children":[{"_key":"1b759e204b41","_type":"span","marks":["strong"],"text":"Read our full methodology breakdown"}],"markDefs":[],"style":"normal"}],"_key":"b6e9b2669f5e","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"9e12dca7-1836-4410-acc1-6bc412092eaf","_type":"reference"},"text":"CLICK HERE"},{"_key":"9710f1aaa393","_type":"block","children":[{"_key":"05fb04c8e89b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9dbdfb1eb3db","_type":"block","children":[{"_key":"582c6605b680","_type":"span","marks":[],"text":"Best Buy Stocks & Shares ISA 2025 winners"}],"markDefs":[],"style":"h2"},{"_key":"673e379bb99c","_type":"block","children":[{"_key":"cb82ebddca30","_type":"span","marks":[],"text":"Our Best Buy ISA winners represent the best ISAs for investing in the UK in 2025. This year's winners are:"}],"markDefs":[],"style":"normal"},{"_key":"098ffc6fb925","_type":"block","children":[{"_key":"6b2297078cf00","_type":"span","marks":["em"],"text":"We list providers in alphabetical order."}],"markDefs":[],"style":"normal"},{"_key":"816c31f252c3","_type":"block","children":[{"_key":"4fd42f741b89","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"49ffb407dc5a","_type":"block","children":[{"_key":"dc8f73f0a860","_type":"span","marks":[],"text":"AJ Bell"}],"markDefs":[],"style":"h3"},{"_key":"15220bca0d44","_type":"recProviders","companies":[{"_key":"13fb9aac0c16","_ref":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"reference"}]},{"_key":"c6d252a9894e","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"ab39b7e33d5f","_type":"block","children":[{"_key":"5be74912620a","_type":"span","marks":["strong"],"text":"Who is AJ Bell good for?"}],"markDefs":[],"style":"normal"},{"_key":"b6e68f444df3","_type":"block","children":[{"_key":"659b0bbc40ff","_type":"span","marks":[],"text":"One of the best options in the UK, this service is suited for people with a little experience, providing lots of supporting information and guidance to support learning and increasingly confident decision-making. Costs are very reasonable and the support for beginners with ambitions to learn makes it a good option for aspiring investors. Not for those who prefer to take a back seat and do the bare minimum though. In terms of charges, AJ Bell is cheap for large portfolios, with no platform fees above £500k, and relatively cheap for smaller portfolios. Plus there’s a wide range of investments to choose from."}],"markDefs":[],"style":"normal"}]},{"_key":"9c375a71e9f3","_type":"block","children":[{"_key":"b69950b21533","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f806b5965804","_type":"block","children":[{"_key":"6e66dd94084c","_type":"span","marks":[],"text":"Hargreaves Lansdown"}],"markDefs":[],"style":"h3"},{"_key":"20e6a71b5b26","_type":"recProviders","companies":[{"_key":"25ffde36242e","_ref":"9c7f704c-4cba-4209-92f9-9f8a5c442695","_type":"reference"}]},{"_key":"c7a311c78e2d","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"8e803f275e96","_type":"block","children":[{"_key":"0bb1116123f0","_type":"span","marks":["strong"],"text":"Who is Hargreaves Lansdown good for?"}],"markDefs":[],"style":"normal"},{"_key":"9783d2b24e96","_type":"block","children":[{"_key":"c6c7da97bb06","_type":"span","marks":[],"text":"Still one of the best all-rounders, but it is pricey compared to peers. Caps on charges make this very compelling for larger accounts who have listed securities. And Junior ISAs are free. It’s also good for Lifetime ISA holders who want to learn with the best. Fees on smaller accounts are not unreasonable value, however, share dealing fees are on the expensive side and the platform charge for fund folders is high."}],"markDefs":[],"style":"normal"}]},{"_key":"88c7d170df0f","_type":"block","children":[{"_key":"c33ed2e39f42","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8197d49ef42c","_type":"block","children":[{"_key":"cda8ac6e5a99","_type":"span","marks":[],"text":"interactive investor"}],"markDefs":[],"style":"h3"},{"_key":"f8469208141d","_type":"recProviders","companies":[{"_key":"557738b00f0c","_ref":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"reference"}]},{"_key":"5ed461b9b351","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"94a40d829f60","_type":"block","children":[{"_key":"8bc0a7f61755","_type":"span","marks":["strong"],"text":"Who is interactive investor good for?"}],"markDefs":[],"style":"normal"},{"_key":"e2ca90837c77","_type":"block","children":[{"_key":"5b319f39b721","_type":"span","marks":[],"text":"The fixed fees make this a very low-cost option for most people with more than £30,000 to invest. The support and research will be most helpful to experienced investors and share traders - it still feels a bit overwhelming for the less confident. Good for international trading."}],"markDefs":[],"style":"normal"}]},{"_key":"9ac1b6bf2523","_type":"block","children":[{"_key":"5e0e4a7a3382","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"bdd83231e9e5","_type":"block","children":[{"_key":"a929c0d7974f","_type":"span","marks":[],"text":"J.P. Morgan Personal Investing"}],"markDefs":[],"style":"h3"},{"_key":"8fd416a79399","_type":"block","children":[{"_key":"e51cd0577e05","_type":"span","marks":[],"text":"N.B. "},{"_key":"140370d8f9c6","_type":"span","marks":["em"],"text":"Prior to November 2025, J.P. Morgan Personal Investing operated under the Nutmeg Savings and Investment brand."}],"markDefs":[],"style":"normal"},{"_key":"e1c995ec415d","_type":"recProviders","companies":[{"_key":"050a082cd33d","_ref":"654f80f8-ef31-4884-8f43-c2f2a7de8d67","_type":"reference"}]},{"_key":"33d90b20a6ce","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"e73841b982d6","_type":"block","children":[{"_key":"23a48a296ed7","_type":"span","marks":["strong"],"text":"Who is J.P. Morgan Personal Investing good for?"}],"markDefs":[],"style":"normal"},{"_key":"139a6bd94c41","_type":"block","children":[{"_key":"193278a6edee","_type":"span","marks":[],"text":"It is a decent option for less confident investors or those who find investing a bit baffling and could do with a helping hand. There’s a wide range of different investment approaches and a lot of portfolios on offer compared to its competitors. Chase banking customers will also like the integration. Plus, it’s backed by investment banking giants JP Morgan."}],"markDefs":[],"style":"normal"}]},{"_key":"207d3698dab6","_type":"block","children":[{"_key":"198a0af3cde7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"bacd68f371d3","_type":"block","children":[{"_key":"cd39a74f5b21","_type":"span","marks":[],"text":"Trading 212"}],"markDefs":[],"style":"h3"},{"_key":"ae32f486e585","_type":"recProviders","companies":[{"_key":"ca27b8535a13","_ref":"50c06977-799e-4c1f-8bab-771662093aae","_type":"reference"}]},{"_key":"888e4dc91156","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"a5c4ebdbca29","_type":"block","children":[{"_key":"91620ace1b48","_type":"span","marks":["strong"],"text":"Who is Trading 212 good for?"}],"markDefs":[],"style":"normal"},{"_key":"d36fc5a7d868","_type":"block","children":[{"_key":"4a0916fe7a82","_type":"span","marks":[],"text":"Trading 212 is a good choice for people who want low fees and keen investors who take a real interest in it, thanks to the broad range of investments to choose from and the handy ‘pies’ which enable you to fully customise your portfolio. However, there could be more support for beginner investors. It may also not suit those who prefer investing via computers, as although desktop functionality exists, Trading 212 is very much a mobile-first provider."}],"markDefs":[],"style":"normal"}]},{"_key":"fbddfbfb140c","_type":"block","children":[{"_key":"fed8b99ebceb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5d6e66cdbc6b","_type":"block","children":[{"_key":"d02b2de54af9","_type":"span","marks":[],"text":"Vanguard"}],"markDefs":[],"style":"h3"},{"_key":"330e48767fe3","_type":"recProviders","companies":[{"_key":"ceee38ea825e","_ref":"02d1b7cb-6194-4ed7-a268-07788d7de9e8","_type":"reference"}]},{"_key":"6f9e7a8baa30","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"308114e0c278","_type":"block","children":[{"_key":"679845ba35f1","_type":"span","marks":["strong"],"text":"Who is Vanguard good for?"}],"markDefs":[],"style":"normal"},{"_key":"da617c519ea7","_type":"block","children":[{"_key":"3f44ab312032","_type":"span","marks":[],"text":"Vanguard is a comforting, giant brand generally held in high regard. It’s low-cost with a platform charge of just 0.15% and has a suite of industry-respected ready-made options for beginners – the famed LifeStrategy range. However, it does have its flaws; Vanguard is a closed platform, meaning you can only use it to buy Vanguard’s own funds, so there’s limited choice. It’s also not so good for active traders."}],"markDefs":[],"style":"normal"}]},{"_key":"dbc4e556ef37","_type":"block","children":[{"_key":"5a0373fcbc02","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"24bec96cdcd8","_type":"block","children":[{"_key":"6bd70645f17f","_type":"span","marks":[],"text":"Which ISA is best for you?"}],"markDefs":[],"style":"h2"},{"_key":"8699f048a6f6","_type":"block","children":[{"_key":"a41194448cad","_type":"span","marks":[],"text":"Are you looking to open an ISA but not sure who to turn to? Check our ISA comparison table to see what's out there! Read our full reviews for information on fees and charges, investment range, real customer reviews and more."}],"markDefs":[],"style":"normal"},{"_key":"9a14457381d6","_type":"block","children":[{"_key":"7e89d10f355d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"d5a3a350671a","_type":"block","children":[{"_key":"67df389eda63","_type":"span","marks":["strong"],"text":"Browse ISA providers"}],"markDefs":[],"style":"normal"}],"_key":"8e43ccdb71d1","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"text":"GET STARTED"},{"_key":"045288e8682b","_type":"block","children":[{"_key":"35b00642dae50","_type":"span","marks":[],"text":"FAQs about Stocks & Shares ISAs"}],"markDefs":[],"style":"h2"},{"_key":"6f6557a05f7b","_type":"block","children":[{"_key":"bc711690924c0","_type":"span","marks":[],"text":"From first-time investors asking \"Which ISA provider is best for beginners?\" to experienced traders discussing \"How to maximise ISA tax benefits\" – our community has the answers you're looking for. Dive into our questions archive to find out:"}],"markDefs":[],"style":"normal"},{"_key":"081271c071f4","_type":"block","children":[{"_key":"633cef428b9f","_type":"span","marks":[],"text":"What's the difference between a Cash and Stocks & Shares ISA?"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"704bd52a1c55","_type":"block","children":[{"_key":"a0a6e6aa2904","_type":"span","marks":[],"text":"Should I put money in my ISA or a pension?"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"46f3329b98e2","_type":"block","children":[{"_key":"daa3c685900a","_type":"span","marks":[],"text":"What type of investments can I hold in a Stocks & Shares ISA?"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"136d4b9ad4d3","_type":"block","children":[{"_key":"c170f9aedcd9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"edfe717b7d2c","_type":"block","children":[{"_key":"6dc36a8681a8","_type":"span","marks":["strong"],"text":"Frequently asked questions about ISAs"}],"markDefs":[],"style":"normal"}],"_key":"41d0a343f19b","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"c9e9210b-e83b-4607-b4c5-82c12e693b0d","_type":"reference"},"text":"READ NOW"},{"_key":"eea4cc31969f","_type":"block","children":[{"_key":"82599a793def","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"brazeCustomAttributes":[{"_key":"ea532bdff194","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_BBawards2025","customAttributeValue":"https://www.boringmoney.co.uk/boring-money-awards/best-isa-2025"}],"brazeSubscriptionGroupId":"6ff8b394-c40b-4cb3-9396-e41096e561af","brazeSubscriptionRef":null,"categories":[{"_key":"957ec7c7141a","_ref":"73fddf86-91d0-45eb-adf5-638de6442300","_type":"reference"},{"_key":"c18c31dcbb3d","_ref":"39d2ca7f-4862-4ab2-b902-0bf10f1d4c34","_type":"reference"},{"_key":"ec6acd3ad90c","_ref":"bb11e79a-953f-4735-9106-15c3396ed2c5","_type":"reference"}],"emailSignupWidgetButtonText":"SIGN UP","emailSignupWidgetImage":{"_type":"mainImage","alt":"Gated content"},"emailSignupWidgetParagraphText":"Join Boring Money for free to find out who won this year's Best Buy ISA Award!","enableGatedContent":true,"excerpt":[{"_key":"3d002c7ff76d","_type":"block","children":[{"_key":"8d2bf5efaee50","_type":"span","marks":[],"text":"The Boring Money Best Buy ISA award is designed to recognise the best Stocks & Shares ISA providers in the UK."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"23d1ce426c00","_type":"block","children":[{"_key":"8ec01d9f2cd10","_type":"span","marks":[],"text":"Looking for the best Stocks & Shares ISA but feeling overwhelmed by the choices? You're not alone. With platform fees varying significantly between providers and vastly different service levels, choosing the right ISA provider can feel like navigating a maze. But here's what most investors don't realise: the cheapest option isn't always the best for your investment style."}],"markDefs":[],"style":"normal"},{"_key":"fa127cf0b92e","_type":"block","children":[{"_key":"d41c48a182730","_type":"span","marks":[],"text":"Our comprehensive analysis of the UK's top ISA providers, based on over 22,000 real customer reviews and detailed cost analysis, reveals that while some platforms offer a free ISA, many investors benefit from platforms that provide stronger educational support and investment guidance. The key is finding the right balance for your specific needs."}],"markDefs":[],"style":"normal"},{"_key":"c404cbbdc427","_type":"block","children":[{"_key":"c6f5d1fce50b0","_type":"span","marks":[],"text":"Why This Guide Matters Now"}],"markDefs":[],"style":"h2"},{"_key":"60a428276080","_type":"block","children":[{"_key":"e58ac13152320","_type":"span","marks":[],"text":"The Boring Money Best Buy Awards have spent 9 years analysing and comparing investment platforms across multiple factors, from costs to customer experience. Our research examines 20+ pricing scenarios across seven portfolio sizes (from £1,000 to £300,000), giving you a complete picture of what different providers truly offer."}],"markDefs":[],"style":"normal"},{"_key":"e86e939334b6","_type":"block","children":[{"_key":"dbe2b20e192f0","_type":"span","marks":[],"text":"Here's what you'll discover in our complete analysis:"}],"markDefs":[],"style":"normal"},{"_key":"039b4f68fbdf","_type":"textboxWidget","text":[{"_key":"622b85a9e9d0","_type":"block","children":[{"_key":"b3bca6caf200","_type":"span","marks":[],"text":"Expert evaluation of ISA providers across multiple portfolio sizes"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"59db03c6e54f","_type":"block","children":[{"_key":"4c9ab8fcb66a","_type":"span","marks":[],"text":"Insights from thousands of verified customer reviews"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a698fa531656","_type":"block","children":[{"_key":"ef6b85fc5f32","_type":"span","marks":[],"text":"Clear comparisons of platform features and investment options"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"838d9ec6972b","_type":"block","children":[{"_key":"b2bde2bca4760","_type":"span","marks":[],"text":"Top Providers at a Glance"}],"markDefs":[],"style":"h2"},{"_key":"cb83fb16e859","_type":"block","children":[{"_key":"1b37315aeb990","_type":"span","marks":[],"text":"Our analysis reveals "},{"_key":"5971fed6b02d","_type":"span","marks":["strong"],"text":"AJ Bell"},{"_key":"70afcc898c48","_type":"span","marks":[],"text":" as one of the standout choices for aspiring investors, combining reasonable costs with excellent educational support. They excel in:"}],"markDefs":[],"style":"normal"},{"_key":"f82c1cf3dfe9","_type":"block","children":[{"_key":"6753aba726fd0","_type":"span","marks":[],"text":"Strong support for beginners with ambitions to learn"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4763cabce7fb","_type":"block","children":[{"_key":"9c389f16d35b0","_type":"span","marks":[],"text":"Competitive pricing for both small and large portfolios"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"9a53d52bfe1e","_type":"block","children":[{"_key":"91848d6ecfca0","_type":"span","marks":[],"text":"No platform fees above £500k"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"bf629f643c3e","_type":"block","children":[{"_key":"ca0d6d1c06c00","_type":"span","marks":[],"text":"But there's more to this story than just one provider..."}],"markDefs":[],"style":"normal"}],"hideTitle":false,"mainImage":{"_type":"mainImage","alt":"Boring Money's Best Buy ISA Award","asset":{"_ref":"image-5175f7880a3647a6d95e0dcc4f44f13ba5823fb8-1920x1080-png","_type":"reference"}},"pageBreadcrumb":{"_ref":"3339f94e-21cf-4039-b2af-b5a208bddbcf","_type":"reference"},"publishedAt":"2025-02-09T16:42:00.000Z","showConfetti":false,"slug":{"_type":"slug","current":"best-isa-2025"},"subfolder":{"_ref":"80be3e8a-0928-453a-a42f-34316d0f5866","_type":"reference"},"template":"C-SB","textNextToKey":"Unlock the 2025 winners","theme":"Boring Money theme","title":"Best Buy Stocks & Shares ISA Award 2025","widgets":[{"_key":"6fef5919f15e","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"},{"_key":"4a7d9c8317b3","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"},{"_key":"14d420bb14b8","_ref":"195b9c34-aeac-46f7-a0f8-1e0f485893e3","_type":"reference"}],"id":"-1e299066-4153-5c30-9c92-50bad5cc4137","children":[],"parent":null},"text":"SHOW ME"},{"_key":"00ca20d0af1f","_type":"block","children":[{"_key":"54de18987dd8","_type":"span","marks":[],"text":""},{"_key":"effb43bafbd0","_type":"mainAnchor","pageAnchor":{"_ref":"aa40100c-c669-48bf-8669-ad3932a450c9","_type":"reference"}},{"_key":"57df1cfd867c","_type":"span","marks":[],"text":"Find the right Stocks & Shares ISA provider"}],"markDefs":[],"style":"h2"},{"_key":"b48451ceecc6","_type":"block","children":[{"_key":"e69c226fdf53","_type":"span","marks":[],"text":"Alternatively, if you would like to see more options available to you, head over to our ISA comparison tables. Enter the amount you want to invest and select filters that suit your requirements, such as whether they offer ready-made solutions or have ESG options. Click the link below to dig in!"}],"markDefs":[],"style":"normal"},{"_key":"c162feb57cd0","_type":"block","children":[{"_key":"08308deedffe","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"bbfbc6fb7b2e","_type":"block","children":[{"_key":"e34a8d102f53","_type":"span","marks":["strong"],"text":"Compare Stocks & Shares ISA providers"}],"markDefs":[],"style":"normal"}],"_key":"d254c9621a55","_type":"ctaWidget","reference":{"_id":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"landingPage","_rev":"HaE9Y1GS3p0U3ZL8s9Db87","_createdAt":"2021-11-25T16:01:50Z","_updatedAt":"2026-04-16T08:00:34Z","MainImage":{"_type":"mainImage","asset":{"_ref":"image-ea564799e901c1cb8ff6b7a821741dc4060e2067-1920x1080-png","_type":"reference"},"blankAltTag":true},"_system":{"base":{"id":"7324b8af-c1eb-46a0-b36a-caa8783606e0","rev":"8LO5O2Z8C4HuWQBIqBln0u"}},"brazeCustomAttributes":[{"_key":"7fef522b26b4","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_COMPARE_TABLE","customAttributeValue":"https://www.boringmoney.co.uk/isas-pensions/isas-pensions/"}],"content":[{"_key":"b2abd2205459","_type":"headerBlock","alignment":"Center","desktopImage":{"_type":"mainImage","asset":{"_ref":"image-bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300-png","_type":"reference"}},"mobileImage":{"_type":"mainImage","alt":"Banner showcasing investment platforms ","asset":{"_ref":"image-ec8911cbc4caaffabe66715bbe460c232a1e923c-600x250-png","_type":"reference"}},"reference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"tabletImage":{"_type":"mainImage","alt":"Image showcasing investment platforms ","asset":{"_ref":"image-0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340-png","_type":"reference"}},"title":"Header"},{"_key":"dac26373610f","_type":"bestBuysTable","calculatorAssumptionsModel":{"_ref":"236f7460-2fe3-4f71-9c6f-061dc9806763","_type":"reference"},"comparisonPageReference":{"_ref":"e1ab80c6-4663-4735-b266-ff5981691a75","_type":"reference"},"costInBBTable":true,"defaultLayout":"3x3 - Would recommend","defaultSortOption":"OurRatingHL","enableComparison":false,"showAdvancedFilters":true,"sortOptions":["MostRecommended","OurRatingHL","OurRatingLH","CostHL","CostLH","MostPopular"],"title":"ISA"},{"_key":"33748b8f4b0d","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"052beedb53fd","_type":"block","children":[{"_key":"8ab895a997db","_type":"span","marks":[],"text":"Frequently Asked Questions About Stocks & Shares ISAs"}],"markDefs":[],"style":"h2"}],"styles":"White"},{"_key":"f1a7320d0d82","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"1381dbf0053f","_type":"block","children":[{"_key":"06742598bb83","_type":"span","marks":[],"text":"What is a Stocks & Shares ISA?"}],"markDefs":[],"style":"h3"},{"_key":"43c826820d13","_type":"block","children":[{"_key":"222919bc3bc5","_type":"span","marks":[],"text":"A Stocks & Shares ISA is an account that lets you invest in the stock market without paying tax on any profits. Every UK adult can put up to £20,000 into one each tax year, and any gains or income are tax-free."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Stocks & Shares ISA?"},{"_key":"b637b4843983516a48f9db0a974d4a56","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"5278a4cb307d","_type":"block","children":[{"_key":"4008cc33f440","_type":"span","marks":[],"text":"How is a Stocks & Shares ISA different from a Cash ISA? "}],"markDefs":[],"style":"h3"},{"_key":"c0c883d9cc8e","_type":"block","children":[{"_key":"28e8acdfcacf","_type":"span","marks":[],"text":"A "},{"_key":"a5888eb532ae","_type":"span","marks":["298daf3775d7"],"text":"Cash ISA"},{"_key":"bd37ecbecd75","_type":"span","marks":[],"text":" keeps your money in cash. A "},{"_key":"d2da7be7f3ec","_type":"span","marks":["bbf4adfe2e3e"],"text":"Stocks & Shares ISA"},{"_key":"6ad43428d8e9","_type":"span","marks":[],"text":" invests your money in the stock market, which means higher potential returns but also the possibility of losing money. "}],"markDefs":[{"_key":"298daf3775d7","_type":"internalLinkPick","blank":true,"reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"}},{"_key":"bbf4adfe2e3e","_type":"internalLinkPick","blank":true,"reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How is a Stocks & Shares ISA different from a Cash ISA?"},{"_key":"096d2b879670a03519945e5f2ce697b1","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"f7f88452a993","_type":"block","children":[{"_key":"4131fe7474b1","_type":"span","marks":[],"text":"Can I take my money out whenever I want?"}],"markDefs":[],"style":"h3"},{"_key":"0ca874e0f967","_type":"block","children":[{"_key":"1c527eff7158","_type":"span","marks":[],"text":"Yes — there's no lock-in. However, if you withdraw and pay money back in within the same tax year, this can affect your annual £20,000 allowance unless your ISA is a \"flexible\" one. Always check with your provider."}],"markDefs":[],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Can I take my money out whenever I want?"},{"_key":"bf3655d9727d899472e62678637bd6f4","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"cef5c86d40ff","_type":"block","children":[{"_key":"c14f68d4bed9","_type":"span","marks":[],"text":"How much can I invest in a Stocks & Shares ISA?"}],"markDefs":[],"style":"h3"},{"_key":"678b6ee012d6","_type":"block","children":[{"_key":"76ce9a45b6f5","_type":"span","marks":[],"text":"Up to £20,000 per tax year across all your ISAs combined. You get a fresh allowance every year on 6 April, and any unused allowance can't be carried forward."}],"markDefs":[],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How much can I invest in a Stocks & Shares ISA?"},{"_key":"a33bf4a9213091e53da2eb9c0db88791","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"b11c7519890f","_type":"block","children":[{"_key":"72361625cf68","_type":"span","marks":[],"text":"Is a Stocks & Shares ISA right for me? "}],"markDefs":[],"style":"h3"},{"_key":"b6f15af580ba","_type":"block","children":[{"_key":"e9a8b448b1e2","_type":"span","marks":[],"text":"It depends on your timeframe and risk tolerance. It tends to suit people who are investing for five years or more, want to grow their money beyond what cash can offer, and are comfortable with the idea that markets can go up and down. It's probably not right for you if you need the money within the next year or two, have high-interest debt to pay off first, or would struggle to stomach seeing your portfolio fall in value."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Is a Stocks & Shares ISA right for me? "},{"_key":"1ea77cdca1811ccd8c2079afb04466ba","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"ffff514e2774","_type":"block","children":[{"_key":"45f7162265dc","_type":"span","marks":[],"text":"How risky is a Stocks & Shares ISA? "}],"markDefs":[],"style":"h3"},{"_key":"3485bfd8d250","_type":"block","children":[{"_key":"c193f6c36af8","_type":"span","marks":[],"text":"It depends on what you choose to invest in. The key is "},{"_key":"7b08da4c08f7","_type":"span","marks":["e6991894fbf4"],"text":"diversification"},{"_key":"da7130bd59c4","_type":"span","marks":[],"text":" — spreading your money across different companies, sectors, and geographies so that one bad investment doesn't wipe out your savings. Funds and ETFs do this automatically, which is why they're popular with beginners."}],"markDefs":[{"_key":"e6991894fbf4","_type":"internalLinkPick","blank":true,"reference":{"_ref":"6e0fb5a5-2a36-4806-8108-6d06543c931a","_type":"reference"}}],"style":"normal"}],"styles":"White","title":"How risky is a Stocks & Shares ISA?"},{"_key":"04eabe135a4e59b6b6859fe8a0b57acf","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"5cc35680fa81","_type":"block","children":[{"_key":"a8904d78d2e4","_type":"span","marks":[],"text":"What are the tax benefits of a Stocks & Shares ISA? "}],"markDefs":[],"style":"h3"},{"_key":"326013566409","_type":"block","children":[{"_key":"8e62f7d17cf2","_type":"span","marks":[],"text":"There are three main ones: no "},{"_key":"88ffa4843d17","_type":"span","marks":["a154b3f0fa4d"],"text":"capital gains tax"},{"_key":"f73020a2474c","_type":"span","marks":[],"text":" on profits when you sell investments, no tax on interest from "},{"_key":"82539b3d2b76","_type":"span","marks":["4c3294f2f5e8"],"text":"bonds"},{"_key":"fef814c7f569","_type":"span","marks":[],"text":" held within the ISA, and no tax on "},{"_key":"89bfc49900fe","_type":"span","marks":["a6fc01d9ec0c"],"text":"dividends"},{"_key":"3ca60e193841","_type":"span","marks":[],"text":". Outside an ISA, all three of these could cost you money depending on your tax bracket."}],"markDefs":[{"_key":"a154b3f0fa4d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}},{"_key":"4c3294f2f5e8","_type":"glossaryPick","reference":{"_ref":"ea467285-7d48-4093-b16e-76d3f8a95fc1","_type":"reference"}},{"_key":"a6fc01d9ec0c","_type":"glossaryPick","reference":{"_ref":"43ececc2-2ff3-43e8-932b-b412f2145213","_type":"reference"}}],"style":"normal"}],"styles":"White","title":"What are the tax benefits of a Stocks & Shares ISA?"},{"_key":"c4bcfddb893f","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"Space"},{"_key":"d050e0845814","_type":"bigBlockGroup","bigBlockItems":[{"_key":"886b99ffa3d0","_type":"bigBlockItem","introPara":[{"_key":"63bbc5c58db3","_type":"block","children":[{"_key":"14cd335502780","_type":"span","marks":[],"text":"A 'robo' adviser offers up ready-made portfolios and so costs include both admin and investment charges. A platform is for those who prefer to pick their own investments – the costs may look cheaper here as we only include the admin charges – the investment fees will typically add another £25 - £75 per £10,000 managed, depending on what you pick."}],"markDefs":[],"style":"small"}],"title":"Platform types"},{"_key":"70490647fe00","_type":"bigBlockItem","introPara":[{"_key":"55c85fda04f0","_type":"block","children":[{"_key":"9daf97d49fa10","_type":"span","marks":[],"text":"We try really hard to keep our consumer reviews genuine and representative. As a final step, an administrator checks every review before publishing. If you have any questions please contact us "},{"_key":"abd51e149ec5","_type":"span","marks":["2b07db6357c6"],"text":"here"},{"_key":"6f6f7ee92681","_type":"span","marks":[],"text":" or send a letter to Boring Money Ltd, 10 Lower Thames Street, London, EC3R 6AF"}],"markDefs":[{"_key":"2b07db6357c6","_type":"internalLinkPick","reference":{"_ref":"b35cac1c-228a-4987-aeca-bb774b8e0e3c","_type":"reference"}}],"style":"small"}],"title":"Grubby behaviour"},{"_key":"d8afdbab6022","_type":"bigBlockItem","introPara":[{"_key":"260d9bdb952b","_type":"block","children":[{"_key":"5af8f96878d70","_type":"span","marks":[],"text":"Most of our revenue comes from providing research and consultancy services the industry. As the costs of building our website grow, we have also started to activate “introducer revenues” for some of the provider sites you click through to. Look out for the colour orange on the site. This is us being as clear as we can be when anything on our pages has a commercial benefit to us, or is a sponsored arrangement. More info is available "},{"_key":"b94a70e460a9","_type":"span","marks":["b9ccd82193ec"],"text":"here"},{"_key":"9787a494e25b","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b9ccd82193ec","_type":"internalLinkPick","reference":{"_ref":"cc735c68-c1b8-4987-acff-3931653c3639","_type":"reference"}}],"style":"small"}],"title":"How we make money"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":6,"styles":"Grey-Transparent","title":"DISCLAIMER","titleLineClamp":1},{"_key":"7282413d1dc3","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"eb112cbb7dd3","_type":"block","children":[{"_key":"23429c086248","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dc8f88141013","_type":"block","children":[{"_key":"fcef23cc4d95","_type":"span","marks":["em"],"text":"By default our tables sort on the basis of (1) “Most Popular” providers based on customer choice (2) Descending order of the Boring Money customer recommendation score. Pricing may vary depending on money invested, transaction value and trading frequency. We have selected the pricing tiers we believe to be relevant to the largest number of investors."}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent","title":"Disclaimer"},{"_key":"e15290ad8f2bf035fdf4bd2f541cbae7","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"Space"}],"emailSignupWidgetButtonText":"UNLOCK","emailSignupWidgetParagraphText":"Sign up to Boring Money for expert comparisons, real customer reviews, fees, offers, and more - everything you need to make smart money choices. Answer five quick questions to get going today!","emailSignupWidgetTitle":"UNLOCK OUR ISA COMPARISON TABLE","enableGatedContent":true,"excerpt":[{"_key":"2eedafb8ba7a","_type":"block","children":[{"_key":"2e7aaa7300fe","_type":"span","marks":[],"text":"Compare the best ISAs and investment accounts in the UK. Find stocks and shares ISAs, and investment platforms with our expert reviews and tables."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue background  - Text center - Faded","gatedContentBody":[{"_key":"13f96dc0dd81","_type":"headerBlock","alignment":"Center","desktopImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300-png","_type":"reference"},"blankAltTag":true},"mobileImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340-png","_type":"reference"}},"reference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"tabletImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-fc75bc5ee8524fb479bf1ed4c0b781c06f635bad-1280x300-png","_type":"reference"}}},{"_key":"198396c38d61","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"abc2bb14fa42","_type":"block","children":[{"_key":"6f9e4e7b6b55","_type":"span","marks":[],"text":"Compare the best Stocks & Shares ISAs in one place - fast"}],"markDefs":[],"style":"h1"},{"_key":"d97a0686f19b","_type":"block","children":[{"_key":"f8542d4b62d2","_type":"span","marks":[],"text":"Looking for the best ISA? Don’t waste hours jumping between websites. Our free ISA comparison table lets you compare expert reviews, customer ratings, fees, and top offers - side by side, all in one place."}],"markDefs":[],"style":"normal"},{"_key":"8de1198c5598","_type":"block","children":[{"_key":"0182871de8de","_type":"span","marks":[],"text":"Unlock full access below to find your perfect ISA and what you’d pay."}],"markDefs":[],"style":"h4"}],"styles":"Grey-Transparent","title":"Compare the best ISAs in one place - fast"},{"_key":"647813d6f7ebc93c3431c9758ac6d927","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"39ff26fc401c","_type":"bestBuysTable","calculatorAssumptionsModel":{"_ref":"236f7460-2fe3-4f71-9c6f-061dc9806763","_type":"reference"},"defaultLayout":"3x3 - Would recommend","defaultSortOption":"OurRatingHL","loggedOutRowLimit":1,"loggedOutRowLimitMobile":6,"sortOptions":["OurRatingHL"],"title":"ISA"}],"gatedContentReadMoreText":[{"_key":"1097b5b5b507","_type":"block","children":[{"_key":"069b689d8928","_type":"span","marks":[],"text":"Use our filters to shortlist providers that are better suited for you. "}],"markDefs":[],"style":"normal"}],"publishedAt":"2025-04-28T11:57:15.443Z","slug":{"_type":"slug","current":"isas-pensions"},"subfolder":{"_ref":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"reference"},"title":"Best Stocks & Shares ISA 2026 - Compare Top Providers","id":"-d9788508-2c90-56c4-be24-45e28edb1c22","children":[],"parent":null},"text":"GET STARTED"},{"_key":"2ad6bbfc7341","_type":"block","children":[{"_key":"0f809ca9543e0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"brazeCustomAttributes":[{"_key":"44d17cbfb661","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_Article_Gated","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/stocks-shares-isa/"}],"categories":[{"_id":"39d2ca7f-4862-4ab2-b902-0bf10f1d4c34","_type":"category","_rev":"MHiI0B0r7wy6aa3WlFLAdk","_createdAt":"2019-03-29T11:01:57Z","_updatedAt":"2023-04-28T11:06:16Z","description":"Stocks and Shares ISA","title":"ISA - Stocks and Shares ISA","id":"-60b55dd5-4e35-587e-bac0-5a21e40f0485","children":[],"parent":null},{"_id":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"category","_rev":"ut1xgBnP3A4eT38f4GG1nc","_createdAt":"2025-05-12T14:17:30Z","_updatedAt":"2025-05-12T14:18:09Z","description":"All guide pages related to investment products - e.g. ISA, SIPP.","title":"Product Guides","id":"-a04062f1-e275-5111-8bf4-7d78baef1207","children":[],"parent":null}],"emailSignupWidgetButtonText":"JOIN US","enableGatedContent":true,"excerpt":[{"_key":"b8a80063a5e7","_type":"block","children":[{"_key":"8cd60d00f103","_type":"span","marks":[],"text":"A Stocks & Shares ISA is a type of savings account where you can invest in the stock market without having to worry about tax."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"0f0d00bddb67","_type":"block","children":[{"_key":"3ef870f7225a0","_type":"span","marks":[],"text":"Tax-Free Investment Made Simple"}],"markDefs":[],"style":"h2"},{"_key":"83257bfbfa64","_type":"block","children":[{"_key":"edcf7c4092c90","_type":"span","marks":[],"text":"Quick facts "}],"markDefs":[],"style":"h2"},{"_key":"592939a9054e","_type":"textboxWidget","text":[{"_key":"6684a57e4582","_type":"block","children":[{"_key":"fb529cfb4319","_type":"span","marks":[],"text":"Annual allowance: £20,000"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f5b26ac91d28","_type":"block","children":[{"_key":"c0a45b76febf","_type":"span","marks":[],"text":"Tax benefits: No tax on profits, dividends, or interest"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a17eb965b2f5","_type":"block","children":[{"_key":"610b57a2d534","_type":"span","marks":[],"text":"Minimum investment: From £1/month with some providers"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"556a42bd003b","_type":"block","children":[{"_key":"84375479ba80","_type":"span","marks":[],"text":"Access: Withdraw money anytime"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"827622adac54","_type":"block","children":[{"_key":"5e8eeef0e836","_type":"span","marks":[],"text":"Investment types: Shares, funds, ETFs, bonds "}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8616b3442ff7","_type":"block","children":[{"_key":"a5858378b088","_type":"span","marks":[],"text":"Risk level: Varies based on investments chosen"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"title":"Quick Facts "},{"_key":"e74d6a6a1c1a","_type":"block","children":[{"_key":"a47b92c33dfe","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7846bc51e917","_type":"block","children":[{"_key":"45c74e5d29770","_type":"span","marks":[],"text":"If you'd invested £10,000 in a Cash ISA in 2013, you'd have gained £1,102 by 2023. The same amount in a stock market tracker fund could have grown by over £22,000. While past performance doesn't guarantee future returns, this stark difference shows why Stocks & Shares ISAs have become the go-to choice for longer-term savings goals."}],"markDefs":[],"style":"normal"},{"_key":"d482001f8667","_type":"block","children":[{"_key":"ff1ef849d0ac0","_type":"span","marks":[],"text":"What is a Stocks & Shares ISA?"}],"markDefs":[],"style":"h2"},{"_key":"3e6e7b549ef3","_type":"block","children":[{"_key":"59ea2c68a2090","_type":"span","marks":[],"text":"Think of a Stocks & Shares ISA as a tax-free wrapper for your investments. It's a savings account that lets you invest in the stock market without paying tax on any profits you make. Every UK adult gets a £20,000 annual allowance, and any returns you generate are protected from tax."}],"markDefs":[],"style":"normal"},{"_key":"26e223cd23ab","_type":"block","children":[{"_key":"174cb9bc1ec30","_type":"span","marks":[],"text":"Key Benefits"}],"markDefs":[],"style":"h2"},{"_key":"927fc0d7e099","_type":"block","children":[{"_key":"7aebd9fe43380","_type":"span","marks":[],"text":"Tax Efficiency: "}],"markDefs":[],"style":"h3"},{"_key":"3d18a1f52688","_type":"block","children":[{"_key":"f9d382500d200","_type":"span","marks":[],"text":"No capital gains tax on profits"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4d202cbc2855","_type":"block","children":[{"_key":"c649f8869f4e0","_type":"span","marks":[],"text":"No tax on dividend income"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1708494fada2","_type":"block","children":[{"_key":"e8501c28b1770","_type":"span","marks":[],"text":"No tax on interest from bonds"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4c9929f2693e","_type":"block","children":[{"_key":"b36ef6818c5b0","_type":"span","marks":[],"text":"Flexibility: "}],"markDefs":[],"style":"h3"},{"_key":"1ff8b10ed626","_type":"block","children":[{"_key":"599d414a3c790","_type":"span","marks":[],"text":"Access your money whenever needed"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"665141376273","_type":"block","children":[{"_key":"358c4f5ef3350","_type":"span","marks":[],"text":"Start from just £1 monthly"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"11727847420c","_type":"block","children":[{"_key":"22dda7b7ba7c0","_type":"span","marks":[],"text":"Choose your own investments"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ed016955f511","_type":"block","children":[{"_key":"2b346019f4b30","_type":"span","marks":[],"text":"Is It Right For You?"}],"markDefs":[],"style":"h2"},{"_key":"b5b3fa5a5791","_type":"prosConsWidget","cons":["You need guaranteed access to your money soon","You have high-interest debts to clear first","You're uncomfortable with any investment risk"],"consTitle":"Might not suit you if ","pros":[" Want to invest for 5+ years ","Are comfortable with market ups and downs ","Want to avoid tax complications","Are looking for potential higher returns than cash"],"prosTitle":"Ideal if you "},{"_key":"c9b5077b727a","_type":"block","children":[{"_key":"abed88b0ff870","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":true,"linkMenu":[{"_id":"757ac6de-f794-495d-8840-216537ee94d9","_type":"pageAnchorMenu","_rev":"xjLKnlFrh2WM7l3TdaJFVH","_createdAt":"2023-01-31T23:13:40Z","_updatedAt":"2023-02-03T16:02:30Z","menuLinksTop":[{"_key":"d2e06b5e295f","_type":"pageAnchorMenuTop","reference":{"_ref":"db1de37b-dd40-4df6-812f-2257eb14f1aa","_type":"reference"},"text":"The basics of Stocks & Shares ISAs"},{"_key":"e4cf937894ff","_type":"pageAnchorMenuTop","reference":{"_ref":"c51dfbf0-7502-4c5d-b54d-cb8a53aaf690","_type":"reference"},"text":"What is a Stocks & Shares ISA?"},{"_key":"c5b3cd21bd86","_type":"pageAnchorMenuTop","reference":{"_ref":"f7f5e256-63dc-4d19-9d8d-31a6e15b7bbb","_type":"reference"},"text":"How do Stocks & Shares ISAs work?"},{"_key":"fdfb13d565c9","_type":"pageAnchorMenuTop","reference":{"_ref":"03489c0e-4cd2-48d7-8700-e6eb389280d6","_type":"reference"},"text":"Is a Stocks & Shares ISA right for me?"},{"_key":"97a5b29df0ce","_type":"pageAnchorMenuTop","reference":{"_ref":"61abfcc5-ca28-406e-af55-8b50ff2af72f","_type":"reference"},"text":"Stock markets vs cash"},{"_key":"bad9b81942b0","_type":"pageAnchorMenuTop","reference":{"_ref":"abce80e4-d3d9-4aac-abc1-510b2c118415","_type":"reference"},"text":"Short-term vs long-term investing "},{"_key":"b1b77c001284","_type":"pageAnchorMenuTop","reference":{"_ref":"de11b854-1405-452f-b312-e1ed6bbc24a8","_type":"reference"},"text":"How risky is it?"},{"_key":"b4c367a96730","_type":"pageAnchorMenuTop","reference":{"_ref":"496a8c48-2177-45d5-878c-b03dbeb72ed7","_type":"reference"},"text":"Stocks & Shares ISAs and tax"},{"_key":"6be99502cb6c","_type":"pageAnchorMenuTop","reference":{"_ref":"d126b370-d02a-448b-94fa-bfd7b22886df","_type":"reference"},"text":"How do I start investing with a Stocks & Shares ISA?"},{"_key":"6e5925e51a45","_type":"pageAnchorMenuTop","reference":{"_ref":"aa40100c-c669-48bf-8669-ad3932a450c9","_type":"reference"},"text":"Find the right Stocks & Shares ISA provider"}],"menuTitle":"In this guide","pageRef":"Stocks & Shares ISA","id":"-675986ef-fa05-515e-be8f-3a850bebd3d3","children":[],"parent":null}],"mainImage":{"_type":"mainImage","alt":"Stocks and Shares ISA","asset":{"_id":"image-edebd4a53aa4d638a1c531a4df475436a4d6bf1b-1920x1080-png","_type":"sanity.imageAsset","_rev":"sQP0Ups7K5PPXPuX3osKXo","_createdAt":"2023-03-27T15:46:06Z","_updatedAt":"2023-03-27T15:46:06Z","assetId":"edebd4a53aa4d638a1c531a4df475436a4d6bf1b","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"MsR2xmbc.mxDMxtja#i|oJa{%zn%IBW=oz","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.7777777777777777,"height":1080,"width":1920},"hasAlpha":false,"isOpaque":true,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#4d7b40","foreground":"#fff","population":0.07,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#920f0f","foreground":"#fff","population":6.7,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#920f0f","foreground":"#fff","population":6.7,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#ecefe0","foreground":"#000","population":0.23,"title":"#000"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#fc97c7","foreground":"#000","population":0.33,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#9d6471","foreground":"#fff","population":0.02,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f71e66","foreground":"#fff","population":1.84,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"Stocks and shares ISA.png","path":"images/k8qzcdw3/prod1503/edebd4a53aa4d638a1c531a4df475436a4d6bf1b-1920x1080.png","sha1hash":"edebd4a53aa4d638a1c531a4df475436a4d6bf1b","size":491674,"uploadId":"Tn5yOVvqT8O7Nn5eBZ9pQZ34ZTU0ACub","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/edebd4a53aa4d638a1c531a4df475436a4d6bf1b-1920x1080.png","filename":"Stocks and shares ISA.png","width":1920,"height":1080,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/edebd4a53aa4d638a1c531a4df475436a4d6bf1b-1920x1080.png?rect=600,0,720,1080&w=%width%&h=%height%&q=80","id":"image-edebd4a53aa4d638a1c531a4df475436a4d6bf1b-1920x1080-png","children":[],"parent":null}},"publishedAt":"2025-03-30T09:10:00.000Z","slug":{"_type":"slug","current":"stocks-shares-isa"},"subfolder":{"_id":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"folderCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2021-06-22T09:35:09Z","_updatedAt":"2021-06-22T09:35:09Z","folder":"/learn/investing-guides/product-guides/","id":"-57353ca1-a68f-5fa6-85ec-713254904371","children":[],"parent":null},"template":"C-SB","textNextToKey":"Join Boring Money for free to read more","title":"The Essential Guide to Stocks & Shares ISAs: Benefits, How They Work, and How to Invest","widgets":[{"_id":"79cbfce0-99a3-451e-82d4-c0b6a4487777","_type":"widgetCategory","_rev":"EgEymbCqMZGp6yunzb4gXa","_createdAt":"2022-11-23T15:25:59Z","_updatedAt":"2024-03-06T11:18:51Z","body":[{"_key":"bbba0c191a75","_type":"block","children":[{"_key":"ef3d5c24e73c","_type":"span","marks":[],"text":"Join Boring Money today!"}],"markDefs":[],"style":"h4"},{"_key":"e0e6f7eb196e","_type":"block","children":[{"_key":"c130cc35f6a30","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"76110895293e","_type":"block","children":[{"_key":"9d4458798c14","_type":"span","marks":[],"text":"Do you want down-to-earth investing tips, jargon-free guides, bite-sized courses, and more? Join Boring Money for free to start making better choices with your money today!"}],"markDefs":[],"style":"normal"}],"brazeSubscriptionRef":null,"mainImage":{"_type":"mainImage","alt":"Join Boring Money","asset":{"_ref":"image-ee3c67f83e5633ad04861cbe94de64b407446616-3840x2160-png","_type":"reference"}},"title":"Join Boring Money","widgetType":{"_ref":"5b086897-ef77-4c29-92d8-cb2e8093bfe1","_type":"reference"},"id":"-cba90723-3ae2-5682-89af-0db5b8ea6fe5","children":[],"parent":null},{"_id":"2d98a13f-5211-453c-be9e-9785894654db","_type":"widgetCategory","_rev":"0FvTSp1yYRm2ugsQpqhVia","_createdAt":"2022-02-08T10:46:28Z","_updatedAt":"2026-01-29T16:32:24Z","_system":{"base":{"id":"2d98a13f-5211-453c-be9e-9785894654db","rev":"XOsF7krdtE4Qnys87vHAAj"}},"body":[{"_key":"867b9afdf6a4","_type":"block","children":[{"_key":"2c3717ca5cb8","_type":"span","marks":[],"text":"Best Buy ISA 2026"}],"markDefs":[],"style":"h4"},{"_key":"02830aef892b","_type":"block","children":[{"_key":"8a415dade2da","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8d7dc10ce113","_type":"block","children":[{"_key":"def9bd38df2d","_type":"span","marks":[],"text":"Planning on opening a new ISA? Discover the winners of our coveted Best Buy ISA award!"}],"markDefs":[],"style":"normal"}],"linkReference":{"_ref":"5027ed98-4e53-4e94-8fc1-9d370b15dd5c","_type":"reference"},"mainImage":{"_type":"mainImage","alt":"Best Buy ISA 2025","asset":{"_ref":"image-696d1a9f7f85c065083c1128c4eeb7cfbc9e50a5-1920x1080-png","_type":"reference"},"blankAltTag":true},"title":"Best Buy ISA 2026","widgetType":{"_ref":"669510d5-9577-4ce3-b9f5-17a73b44c59d","_type":"reference"},"id":"-5e30e2b9-9f5c-53c6-a88d-d0108c4a4802","children":[],"parent":null},{"_id":"bd52d3fb-8c34-42af-937b-c07bfe971d53","_type":"widgetCategory","_rev":"4XhGDlscRnwgiK4qUWx7VB","_createdAt":"2022-02-08T10:47:01Z","_updatedAt":"2026-01-29T16:33:42Z","_system":{"base":{"id":"bd52d3fb-8c34-42af-937b-c07bfe971d53","rev":"zvaiullU3KBZLgV7TnqJT3"}},"body":[{"_key":"85bbd6d8d696","_type":"block","children":[{"_key":"74289b1080e1","_type":"span","marks":[],"text":"Best Buy LISA 2026"}],"markDefs":[],"style":"h4"},{"_key":"867b9afdf6a4","_type":"block","children":[{"_key":"06c839271c67","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"af456cd1993f","_type":"block","children":[{"_key":"d3548e5ffd7d","_type":"span","marks":[],"text":"Saving for your first home or retirement? Discover the winners of our coveted Best Buy LISA award!"}],"markDefs":[],"style":"normal"}],"linkReference":{"_ref":"f19d87b4-1401-4194-861c-e296f293cd01","_type":"reference"},"mainImage":{"_type":"mainImage","alt":"Best Buy LISA 2025","asset":{"_ref":"image-96bf4d6ade36adf6b85ad5cd00f6071fd578652c-1920x1080-png","_type":"reference"},"blankAltTag":true},"title":"Best Buy LISA 2026","widgetType":{"_ref":"669510d5-9577-4ce3-b9f5-17a73b44c59d","_type":"reference"},"id":"-eb9c59b5-6c13-5da1-9c5c-247546aa0371","children":[],"parent":null},{"_id":"2ec70f10-4986-454c-990f-b04eefcc6d9a","_type":"widgetCategory","_rev":"BR99o6YSojcZSyho0de3Yq","_createdAt":"2022-02-08T10:46:53Z","_updatedAt":"2026-01-29T16:33:07Z","_system":{"base":{"id":"2ec70f10-4986-454c-990f-b04eefcc6d9a","rev":"072gzeuadq1CgbecpuCOGs"}},"body":[{"_key":"867b9afdf6a4","_type":"block","children":[{"_key":"f4590d86fc74","_type":"span","marks":[],"text":"Best Buy JISA 2026"}],"markDefs":[],"style":"h4"},{"_key":"f9936819c979","_type":"block","children":[{"_key":"8a415dade2da","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d2f4f7450160","_type":"block","children":[{"_key":"0239333c5599","_type":"span","marks":[],"text":"Saving for the kids or grandkids? Discover the winners of our coveted Best Buy JISA award!"}],"markDefs":[],"style":"normal"}],"linkReference":{"_ref":"eb481fa3-abb2-495e-b75f-5c4ff4aee4ba","_type":"reference"},"mainImage":{"_type":"mainImage","alt":"Best Buy JISA 2025","asset":{"_ref":"image-7043b3e3d1c6395c8a3a59289ccff6cc18c42004-1920x1080-png","_type":"reference"}},"title":"Best Buy JISA 2026","widgetType":{"_ref":"669510d5-9577-4ce3-b9f5-17a73b44c59d","_type":"reference"},"id":"-0fb52a46-da20-54b2-9e80-9591c8ef0620","children":[],"parent":null},{"_id":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","_type":"widgetCategory","_rev":"BR99o6YSojcZSyho0ddTiG","_createdAt":"2022-02-08T10:46:03Z","_updatedAt":"2026-01-29T16:31:05Z","_system":{"base":{"id":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","rev":"LKwL9Eieq4kjX08UR6HnMb"}},"body":[{"_key":"2e4d45c3a794","_type":"block","children":[{"_key":"ee4d394b6131","_type":"span","marks":[],"text":"Best Buy Pension 2026"}],"markDefs":[],"style":"h4"},{"_key":"0e916e07dbc4","_type":"block","children":[{"_key":"1d00ec0d2241","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"bd724b1bef05","_type":"block","children":[{"_key":"1f8a9180d7ac","_type":"span","marks":[],"text":"Thinking of opening a pension? Discover the winners of our coveted Best Buy Pension award!"}],"markDefs":[],"style":"normal"}],"linkReference":{"_ref":"7201f011-a435-4c0c-9de5-9f52ce8935c1","_type":"reference"},"mainImage":{"_type":"mainImage","alt":"Best Buy Pension 2025","asset":{"_ref":"image-0cf9753fb7154e57d6a7dfe441545ab5d47fb560-1920x1080-png","_type":"reference"},"blankAltTag":true},"title":"Best Buy Pension 2026","widgetType":{"_ref":"669510d5-9577-4ce3-b9f5-17a73b44c59d","_type":"reference"},"id":"-3e939184-0020-5fce-99f6-f5f1c34d55cd","children":[],"parent":null},{"_id":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"widgetCategory","_rev":"5wclHNEBJHceCbZskLLIPm","_createdAt":"2021-08-12T07:26:18Z","_updatedAt":"2025-05-08T15:01:36Z","body":[{"_key":"12a52370b84b","_type":"block","children":[{"_key":"f4a96ffd5243","_type":"span","marks":[],"text":"Contact us"}],"markDefs":[],"style":"h4"},{"_key":"6d3da9cab9be","_type":"block","children":[{"_key":"9715d978a402","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"55646d37119f","_type":"block","children":[{"_key":"112420a491cc","_type":"span","marks":[],"text":"Have a question about money that we haven't answered? Need help making better money choices?"}],"markDefs":[],"style":"normal"},{"_key":"0695bd6571ef","_type":"block","children":[{"_key":"8289049851a9","_type":"span","marks":["strong"],"text":"Email our team today."}],"markDefs":[],"style":"normal"}],"linkReference":{"_ref":"789ad7dd-f1a8-4606-9075-20ecba5e0f6b","_type":"reference"},"mainImage":{"_type":"mainImage","alt":"Contact us","asset":{"_ref":"image-ab59f7e46f31eaa0dab6342e71531f9dcb202b4d-1920x1080-png","_type":"reference"},"blankAltTag":true},"title":"Contact us","widgetType":{"_ref":"669510d5-9577-4ce3-b9f5-17a73b44c59d","_type":"reference"},"id":"-6d2f3ccb-d3dc-58f8-8964-9fce73ffd590","children":[],"parent":null}],"id":"-e51d5851-bcf0-5529-bb4c-71e620d6cc7a","children":[],"parent":null}},{"_key":"1ff810f826bc","_type":"internalLinkPick","reference":{"_id":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"information","_rev":"akK9tLbFbEeX2MBVbNy5iz","_createdAt":"2021-06-22T09:07:13Z","_updatedAt":"2026-03-30T08:44:53Z","_system":{"base":{"id":"2353d857-6858-4bcb-b4cb-2d0437afc25a","rev":"6GQVMObKpWvjCX4LMpnY5M"}},"authors":[{"_key":"f307f2f027c3","_type":"personReference","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"people","_rev":"n54XUON695cO06xFcT7KHi","_createdAt":"2021-07-16T15:41:47Z","_updatedAt":"2026-04-16T00:00:29Z","_system":{"base":{"id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","rev":"1XrksDlMkoAPinyrcm2t9G"}},"answeredQuestionsRank":252,"averageRating":0,"bio":[{"_key":"bf1f1c58fef9","_type":"block","children":[{"_key":"97ba1f193b22","_type":"span","marks":[],"text":"Boring Money is an independent company founded in 2015 to make investing, saving and financial planning accessible for everyday people without a PhD in finance. "}],"markDefs":[],"style":"normal"},{"_key":"529bed96fa8e","_type":"block","children":[{"_key":"46347ea68efb","_type":"span","marks":[],"text":"Led by industry veteran "},{"_key":"d6819d3bfe17","_type":"span","marks":["12ac5536ccfd"],"text":"Holly Mackay"},{"_key":"00f260fdccf0","_type":"span","marks":[],"text":" with over 24 years' experience, Boring Money's mission is to demystify savings, investments, and pensions. We help consumers with educational content, research, and user-friendly tips - all without the confusing technical jargon!"}],"markDefs":[{"_key":"12ac5536ccfd","_type":"link","href":"https://www.boringmoney.co.uk/advisers/holly-mackay/"}],"style":"normal"},{"_key":"dbb1c5ff82a3","_type":"block","children":[{"_key":"a9b296baf5d3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8a06e569aa6a","_type":"prosConsWidget","cons":["Confusing industry jargon!"],"consTitle":"Dislikes:","pros":["Making money make sense"],"prosTitle":"Likes:"},{"_key":"04271e0685d4","_type":"block","children":[{"_key":"a68362f24eb7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3e82861a3b80","_type":"block","children":[{"_key":"0f6b76e2f7e6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7f1e7a776f24","_type":"block","children":[{"_key":"44781b4aa451","_type":"span","marks":["em"],"text":"Boring Money is not a regulated financial advice firm. We provide generic information to help you understand your options. We make money from sponsorship, advertising, and referral fees - all transparently disclosed "},{"_key":"8f2d6d572758","_type":"span","marks":["em","a3db01606b86"],"text":"here"},{"_key":"07c6279db2e5","_type":"span","marks":["em"],"text":"."}],"markDefs":[{"_key":"a3db01606b86","_type":"link","href":"https://www.boringmoney.co.uk/how-we-make-money/"}],"style":"normal"}],"categories":[{"_key":"5577aff62e48","_ref":"976f2dc9-ded3-47fc-bc52-bd928767a578","_type":"reference"}],"dashboardId":"b3cf6703-691d-4826-9ddc-762eeb58c289","dateAnsweredRank":88,"email":"community@boringmoney.co.uk","excerpt":[{"_key":"e8edde7ba304","_type":"block","children":[{"_key":"ffba4fdcab87","_type":"span","marks":[],"text":"This is a Boring Money Advice admin page. This adviser directory allows you to browse trusted, vetted financial advisers. Enter your location or use the advanced filters to find the perfect match."}],"markDefs":[],"style":"normal"}],"hideFeeStructure":true,"image":{"_type":"mainImage","alt":"Boring Money","asset":{"_ref":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg","_type":"reference"},"blankAltTag":true,"caption":"Boring Money","crop":{"_type":"sanity.imageCrop","bottom":0,"left":0.10897435897435898,"right":0.1217948717948718,"top":0},"hotspot":{"_type":"sanity.imageHotspot","height":1,"width":0.7628205128205129,"x":0.49679487179487175,"y":0.5}},"location":{"_ref":"6647e624-276a-461e-84a8-f8e62eb9143e","_type":"reference"},"name":"Boring Money","numberOfLikes":1828,"numberOfRatings":0,"publishedAt":"2026-01-20T13:29:05.059Z","showAdviser":false,"slug":{"_type":"slug","current":"boring-money"},"specialisations":[{"_key":"d3e41a6fbb34","_ref":"4807983c-8f5a-49f7-83bd-fcc53e0f81e8","_type":"reference"}],"summary":[{"_key":"8ab6b22d9f47","_type":"block","children":[{"_key":"aa17690f4230","_type":"span","marks":[],"text":"Here to help you understand your options and make smart money choices."}],"markDefs":[],"style":"normal"}],"id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","children":[],"parent":null}}],"body":[{"_key":"d580aa07c3f9","_type":"anchorMenuMobile","title":"s"},{"_key":"d17af6a2d69f","_type":"block","children":[{"_key":"fe4f113d535c","_type":"span","marks":[],"text":""},{"_key":"a29ed160a592","_type":"mainAnchor","pageAnchor":{"_ref":"179ec068-ad13-40b0-928d-ffd3ace5310d","_type":"reference"}},{"_key":"0ddae6bcd212","_type":"span","marks":[],"text":"The basics of personal pensions"}],"markDefs":[],"style":"h2"},{"_key":"2ddf9b45d8a0","_type":"block","children":[{"_key":"bf84d2ba142c","_type":"span","marks":[],"text":"In a nutshell"}],"markDefs":[],"style":"h4"},{"_key":"4375151b9b55","_type":"textboxWidget","text":[{"_key":"b87f23993716","_type":"block","children":[{"_key":"8a43c8e06e75","_type":"span","marks":[],"text":"Helps you take control of your own retirement savings"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a95394d29a89","_type":"block","children":[{"_key":"e8c94e990ff0","_type":"span","marks":[],"text":"Good option for the self-employed"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"10176c1ba7e9","_type":"block","children":[{"_key":"cb9f9925ee0a","_type":"span","marks":[],"text":"You get tax relief from the government "}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"2e55458722cb","_type":"block","children":[{"_key":"fa91a484b2a6","_type":"span","marks":[],"text":"The money is locked away until you’re 55+ (57 from 2028)"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e40f79a46295","_type":"block","children":[{"_key":"f0bbfe489a73","_type":"span","marks":[],"text":"As always there are caps and limits, so read on..."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"365705f9a7ca","_type":"block","children":[{"_key":"4d13b7690712","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"921705e84f80","_type":"block","children":[{"_key":"c3aca7a20df5","_type":"span","marks":[],"text":""},{"_key":"467f9af00fe2","_type":"mainAnchor","pageAnchor":{"_ref":"7de5a6a1-6b2e-46a0-9d3b-6675e2bb485b","_type":"reference"}},{"_key":"7e37fa0bfcec","_type":"span","marks":[],"text":"What is a personal pension?"}],"markDefs":[],"style":"h2"},{"_key":"64ab9aee5a8a","_type":"block","children":[{"_key":"b0742603cf43","_type":"span","marks":[],"text":"A SIPP (Self-Invested Personal Pension) is a type of personal pension which works similarly to a workplace pension scheme - but instead of your employer choosing which provider and fund you’re invested in, it’s up to you to decide what to do with your money."}],"markDefs":[],"style":"normal"},{"_key":"b6b87f727cf7","_type":"block","children":[{"_key":"e71d43430fb9","_type":"span","marks":[],"text":"Even with the "},{"_key":"bc9e55eeb072","_type":"span","marks":["e3e81e24f8d0"],"text":"State Pension"},{"_key":"8ededa4f0d08","_type":"span","marks":[],"text":" and maybe a workplace pension under your belt too, you might find that you need a little bit more in your retirement savings pot to afford the lifestyle you’re aiming for. That’s where the SIPP comes in, giving you a flexible way of saving for later life on your own terms."}],"markDefs":[{"_key":"e3e81e24f8d0","_type":"internalLinkPick","reference":{"_ref":"24becfe8-66e5-4cc0-a93d-d43dba6dc2f4","_type":"reference"}}],"style":"normal"},{"_key":"0ab1a2f22a65","_type":"block","children":[{"_key":"bdb467a49f85","_type":"span","marks":[],"text":"Our Founder & CEO Holly Mackay explains the basics about SIPPs and why they're so attractive in the video below."}],"markDefs":[],"style":"normal"},{"_key":"33c9f7d9a9ed","_type":"block","children":[{"_key":"dc11efff45a4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5e0dc1dae8d7","_type":"mainVideo","url":"https://vimeo.com/834409504/"},{"_key":"1d8cbd5ed51e","_type":"block","children":[{"_key":"a7350b5202db","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4160dc071912","_type":"block","children":[{"_key":"29fde48956cb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c25941e986b5","_type":"block","children":[{"_key":"c9144eaaca10","_type":"span","marks":[],"text":"Here are some of the main things you need to know about SIPPs:"}],"markDefs":[],"style":"normal"},{"_key":"cdb5dee345bf","_type":"block","children":[{"_key":"94886fdff264","_type":"span","marks":[],"text":"You get to choose how your retirement savings are invested"}],"markDefs":[],"style":"h4"},{"_key":"d35ab0e8aeef","_type":"block","children":[{"_key":"9986ab7dc5cd","_type":"span","marks":[],"text":"There are dozens of SIPP providers on the market and there’s a huge range of investments you can select from, too. "},{"_key":"fe1de83f24df","_type":"span","marks":["c7543acc4588"],"text":"Shares"},{"_key":"4a12ff931861","_type":"span","marks":[],"text":", "},{"_key":"3cdc1d649cec","_type":"span","marks":["02752cc3a561"],"text":"funds"},{"_key":"73da5097dc5f","_type":"span","marks":[],"text":", "},{"_key":"e441c91e53aa","_type":"span","marks":["53d971adffc6"],"text":"bonds"},{"_key":"3ffd7b734354","_type":"span","marks":[],"text":", property... the mix and proportion of investments in your SIPP is down to which products and provider you choose. So every time you put some cash into your SIPP, you get to decide what investments to buy with your cash, and therefore you control how your retirement savings are deployed - neat!"}],"markDefs":[{"_key":"c7543acc4588","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}},{"_key":"02752cc3a561","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}},{"_key":"53d971adffc6","_type":"internalLinkPick","reference":{"_ref":"583a0e19-d23d-4df3-989f-54c2368f0d41","_type":"reference"}}],"style":"normal"},{"_key":"ebdc5d964d45","_type":"block","children":[{"_key":"c96a2c6fe087","_type":"span","marks":[],"text":"You get tax relief on your contributions"}],"markDefs":[],"style":"h4"},{"_key":"ce2dbf1a58f2","_type":"block","children":[{"_key":"d7d108f6bd70","_type":"span","marks":[],"text":"As well as this, you get tax relief on the contributions into your SIPP from the government as an incentive for saving. This means basic rate taxpayers get 20% tax relief, while higher rate taxpayers get 40% and additional rate taxpayers get a whopping 45% if they claim the rest via their self-assessment tax return. So a higher rate taxpayer would only need to put 60p into their SIPP to receive 40p in tax relief and take the total to a full pound! Fab. The table below breaks it down:"}],"markDefs":[],"style":"normal"},{"_key":"b5d8558982c9","_type":"block","children":[{"_key":"866ec833d3b0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e8d79e4add09","_type":"tableControl","rows":[{"_key":"d3de00b26e95","_type":"row","cells":[{"_key":"b5cf811121d3","_type":"cell","value":[{"_key":"2d547a4619ab","_type":"block","children":[{"_key":"219f50e73b11","_type":"span","marks":["strong"],"text":"Usual Tax Band"}],"markDefs":[],"style":"normal"}]},{"_key":"b0cdc3638e7c","_type":"cell","value":[{"_key":"b096b54090e5","_type":"block","children":[{"_key":"5491dc323861","_type":"span","marks":["strong"],"text":"Basic Rate"}],"markDefs":[],"style":"normal"}]},{"_key":"2117df389b28","_type":"cell","value":[{"_key":"2c140e7f7d66","_type":"block","children":[{"_key":"edd76bc61545","_type":"span","marks":["strong"],"text":"Higher Rate"}],"markDefs":[],"style":"normal"}]},{"_key":"793bc9725d9c15f6b9a52438d6e57e5b","_type":"cell","value":[{"_key":"2c140e7f7d66","_type":"block","children":[{"_key":"edd76bc61545","_type":"span","marks":["strong"],"text":"Additional Rate"}],"markDefs":[],"style":"normal"}]}]},{"_key":"88d7c74faa3f","_type":"row","cells":[{"_key":"e32e29414a69","_type":"cell","value":[{"_key":"e58dc1183eae","_type":"block","children":[{"_key":"c65d6bd4be20","_type":"span","marks":["strong"],"text":"Tax Relief"}],"markDefs":[],"style":"normal"}]},{"_key":"7ad434060ac986e9fdaad4ba9c9e78ba","_type":"cell","value":[{"_key":"e58dc1183eae","_type":"block","children":[{"_key":"c65d6bd4be20","_type":"span","marks":[],"text":"20%"}],"markDefs":[],"style":"normal"}]},{"_key":"86beeeb69c8b","_type":"cell","value":[{"_key":"ad2f18d448e5","_type":"block","children":[{"_key":"5a67301ae561","_type":"span","marks":[],"text":"40%"}],"markDefs":[],"style":"normal"}]},{"_key":"1e874556cba0","_type":"cell","value":[{"_key":"b91d8dfbb69b","_type":"block","children":[{"_key":"2684915ddfac","_type":"span","marks":[],"text":"45%"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"ALL-W"},{"_key":"5d6018cd6b8d","_type":"block","children":[{"_key":"7932b56cf61d","_type":"span","marks":["em"],"text":"Correct as at 2024-25 tax year."}],"markDefs":[],"style":"small"},{"_key":"aa13d8bca796","_type":"block","children":[{"_key":"49c6f2f99cb4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a43a659d1698","_type":"block","children":[{"_key":"1845040e1df4","_type":"span","marks":[],"text":"You must be 55 years before you can access it"}],"markDefs":[],"style":"h4"},{"_key":"d2bf98674331","_type":"block","children":[{"_key":"e8a0453a6cef","_type":"span","marks":[],"text":"You can't access the cash in a SIPP until you're at least 55 years old, so you need to be absolutely certain you won't need the money any earlier than this before you commit to it. This threshold will increase to 57 years old from 2028 and there's a good chance it will continue to rise to reflect an ageing population and similar changes to the State Pension age."}],"markDefs":[],"style":"normal"},{"_key":"7d59da91fec5","_type":"block","children":[{"_key":"30984b039238","_type":"span","marks":[],"text":"You can take up to 25% as a tax-free lump sum"}],"markDefs":[],"style":"h4"},{"_key":"c68a6e98d419","_type":"block","children":[{"_key":"1adeeec6638c","_type":"span","marks":[],"text":"As with most pension schemes, from the age of 55 onwards you can withdraw 25% of the value of your SIPP - up to a maximum of £268,275 - tax-free. Anything beyond this amount will be included as part of your taxable income and may be liable for tax such as "},{"_key":"88847797eefe","_type":"span","marks":["bb39c88a96c3"],"text":"Income Tax"},{"_key":"56b1f7a09661","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"bb39c88a96c3","_type":"internalLinkPick","reference":{"_ref":"cfbae5f9-09e2-4ebd-b540-7b2843cb6161","_type":"reference"}}],"style":"normal"},{"_key":"2cb96b7ec4c8","_type":"block","children":[{"_key":"e96f2ca342ec","_type":"span","marks":[],"text":"You can convert your savings into drawdown or an annuity"}],"markDefs":[],"style":"h4"},{"_key":"9e9aeac6f9b1","_type":"block","children":[{"_key":"5479e5c6bf2a","_type":"span","marks":[],"text":"When you're ready to retire, you have a choice between opting for "},{"_key":"253dd877c385","_type":"span","marks":["0cb4416ebeef"],"text":"drawdown"},{"_key":"0fa061f3de11","_type":"span","marks":[],"text":" (taking chunks out of your savings at your discretion) or purchasing an "},{"_key":"c1fa7371cd57","_type":"span","marks":["58fcf70be682"],"text":"annuity"},{"_key":"ad97d29b6eed","_type":"span","marks":[],"text":" (a guaranteed annual income paid out of your pot). SIPPs can accommodate either but it's crucial to check whether your chosen provider offers the route you want to take, as some are limited to only drawdown schemes or only annuities. It's best to check this "},{"_key":"cb1a3b0ee27f","_type":"span","marks":["em"],"text":"before"},{"_key":"04c8c80479d8","_type":"span","marks":[],"text":" you start saving into a SIPP so you don't end up having to make last-minute transfers in the run-up to retirement!"}],"markDefs":[{"_key":"0cb4416ebeef","_type":"internalLinkPick","reference":{"_ref":"30c293dd-a614-4253-a4c2-ed4b64cdd9ac","_type":"reference"}},{"_key":"58fcf70be682","_type":"internalLinkPick","reference":{"_ref":"18cc7a4b-b423-47ee-8759-5fa886b087d6","_type":"reference"}}],"style":"normal"},{"_key":"abdbbd3e1f3a","_type":"block","children":[{"_key":"6805c4c7eb35","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"4874100ec44d","_type":"block","children":[{"_key":"395616f61b23","_type":"span","marks":["strong"],"text":"Drawdown vs annuity: Which is best for you?"}],"markDefs":[],"style":"normal"}],"_key":"bfb143359578","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_id":"79fcc0a0-e069-4ec5-b1ea-8a6a48d6fb5e","_type":"post","_rev":"4ZYn96L2pyPcOhFTr0g2EZ","_createdAt":"2022-10-03T07:57:27Z","_updatedAt":"2026-03-30T11:14:28Z","_system":{"base":{"id":"79fcc0a0-e069-4ec5-b1ea-8a6a48d6fb5e","rev":"U4CWLp5aDec4VkQbPvXVPQ"}},"authors":[{"_key":"df39fc759dba","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"a5a2b5657079","_type":"block","children":[{"_key":"d9d882c6f008","_type":"span","marks":[],"text":"By "},{"_key":"6acba92dc9ae","_type":"span","marks":["strong"],"text":"Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"4b2424985830","_type":"block","children":[{"_key":"036317f9f2c2","_type":"span","marks":["strong"],"text":"At the point of retirement, we have two key choices when it comes to what we do with the money we've been saving all these years. These are either to go into 'drawdown' to use your money as and when you need it, or take out an 'annuity' to bag yourself a guaranteed income for life (or a fixed period of time). "}],"markDefs":[],"style":"normal"},{"_key":"ff658a5b5353","_type":"block","children":[{"_key":"232898268c74","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0c3368685a8c","_type":"mainImage","alt":"Annuity vs drawdown: 3 things to keep in mind to find the right pension for you","asset":{"_ref":"image-cf83c5788718de29326400470bdd01ad0efa2366-2880x1620-png","_type":"reference"}},{"_key":"bb1b2eb6c90c","_type":"block","children":[{"_key":"89b4136674a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e103b11c3e88","_type":"block","children":[{"_key":"514e5a2e11ca","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"85ac2ad00090","_type":"block","children":[{"_key":"0d79ffc96599","_type":"span","marks":[],"text":"Recently, annuities have been in the news as higher interest rates have renewed their popularity. But which one is really best for you? In this article, we explain the basics of pension drawdown and annuities, why annuity rates have been rising and three things to think about when choosing between the two."}],"markDefs":[],"style":"normal"},{"_key":"2fe8d3949b6a","_type":"block","children":[{"_key":"5bdcc8950700","_type":"span","marks":[],"text":""},{"_key":"8eb020fbc672","_type":"mainAnchor","pageAnchor":{"_ref":"716b042f-b58e-4e97-8895-e2d260c29c19","_type":"reference"}},{"_key":"e30baa4b56e9","_type":"span","marks":[],"text":"What is drawdown?"}],"markDefs":[],"style":"h2"},{"_key":"a1dea23241b4","_type":"block","children":[{"_key":"d9e7f5a410b0","_type":"span","marks":[],"text":"Pension drawdown is a way of taking flexible income from your pension savings. It allows you to draw some money from your pot while leaving the rest of it invested - basically, not taking it all out at once. It's sometimes referred to as 'flexible income' or 'flexi-access drawdown' and is a popular way of accessing retirement savings.  "}],"markDefs":[],"style":"normal"},{"_key":"91a064be4905","_type":"block","children":[{"_key":"7a0d94a9ecba","_type":"span","marks":[],"text":"When you access your pension, you can take out up to a quarter (25%) as tax-free cash or 25% of each withdrawal tax-free. The rest of it can remain invested, meaning it may continue to generate growth and boost the overall value of your pot. "}],"markDefs":[],"style":"normal"},{"_key":"cc296adbac62","_type":"block","children":[{"_key":"068869ea6d32","_type":"span","marks":[],"text":"However, as is always the case with investing, the value of the remaining invested part of your pension can go down as well as up - so your income is not 100% guaranteed."}],"markDefs":[],"style":"normal"},{"_key":"64388aee5f2d","_type":"block","children":[{"_key":"6d06f7061923","_type":"span","marks":[],"text":"As well as this, any money you withdraw after taking your 25% tax-free lump sum will be taxable as earnings in the tax year you take them. This means it will be liable for"},{"_key":"f917c6c3a38f","_type":"span","marks":["2b0dd075c58b"],"text":" Income Tax "},{"_key":"24e3a9089060","_type":"span","marks":[],"text":"if your total income for the year exceeds the £12,570 annual allowance."}],"markDefs":[{"_key":"2b0dd075c58b","_type":"internalLinkPick","reference":{"_ref":"cfbae5f9-09e2-4ebd-b540-7b2843cb6161","_type":"reference"}}],"style":"normal"},{"_key":"6bf8e6e9a631","_type":"block","children":[{"_key":"9c90efc493e6","_type":"span","marks":[],"text":"Nevertheless, pension drawdown allows you to be flexible with your retirement income. If you need to spend more in one year, you can increase the amount of money you draw from your pot. On the other hand, if you need less in another year, you could reduce the amount you withdraw and lower your tax bill in the process. "}],"markDefs":[],"style":"normal"},{"_key":"42797a4ad199","_type":"block","children":[{"_key":"eddf784e1e11","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6b74ebb53fc8","_type":"blockQuote","adviserLink":{"_ref":"08287788-27fc-47aa-8797-356964cf4db7","_type":"reference"},"adviserName":"Dennis Hall","jobTitle":"Chartered Financial Planner","photo":{"_type":"mainImage","alt":"Chartered Financial Planner Dennis Hall on who a drawdown pension is best suited to","asset":{"_ref":"image-1848cbd4480bba43a3cc755623f82baf0aecd731-500x500-jpg","_type":"reference"}},"quote":[{"_key":"f368a55ed5ee","_type":"block","children":[{"_key":"a017b8a72c280","_type":"span","marks":[],"text":"Drawdown suits people who may have a need for an uneven income profile in retirement, combined with a capacity for volatility. People who may want to spend more in the early years of retirement, for travelling and activities, etc, but then expect that expenditure to tail off as they get older."}],"markDefs":[],"style":"normal"}]},{"_key":"c7e5238b4f9d","_type":"block","children":[{"_key":"abc5da03bdb7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"17d255ffa878","_type":"block","children":[{"_key":"5e7a71053bbd","_type":"span","marks":[],"text":"You need to plan carefully how to use pension drawdown as there's a risk of running out of money if you spend too much too soon. The government's MoneyHelper website has a handy calculator that can help you estimate how much income you could take out of your pension every year "},{"_key":"afabf2fd93a6","_type":"span","marks":["a710a24050b8"],"text":"here"},{"_key":"25b45b48d89f","_type":"span","marks":[],"text":". "}],"markDefs":[{"_key":"a710a24050b8","_type":"internalLinkPick","blank":true,"reference":{"_ref":"f531a247-3ceb-4049-8cc3-c24fd3395519","_type":"reference"}}],"style":"normal"},{"_key":"01de86660641","_type":"block","children":[{"_key":"1aa2b09a54db","_type":"span","marks":[],"text":"If you're approaching retirement and considering pension drawdown, it's usually wise to discuss your options with a qualified financial adviser who can assess your situation and advise on the best course of action for you. You can search for an adviser using our "},{"_key":"36797d5c92f9","_type":"span","marks":["d95d892e64d7"],"text":"directory"},{"_key":"d8c0e8308aee","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"d95d892e64d7","_type":"internalLinkPick","reference":{"_ref":"63a19438-721c-4042-b811-f8f2af951e0e","_type":"reference"}}],"style":"normal"},{"_key":"f43ff79e29e2","_type":"block","children":[{"_key":"f6d3f3fae2b7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"799d567bdce1","_type":"block","children":[{"_key":"34189b588f50","_type":"span","marks":["strong"],"text":"Best pension providers for drawdown"}],"markDefs":[],"style":"normal"}],"_key":"63dc2b41995c","_type":"ctaWidget","loggedInOptions":"Display only for logged out users","reference":{"_ref":"4b9a72fa-b4fb-4354-b082-5d44c6215871","_type":"reference"},"text":"FIND OUT"},{"_key":"01b3abd8a10c","_type":"block","children":[{"_key":"12876a25fbb2","_type":"span","marks":[],"text":""},{"_key":"12523123fa59","_type":"mainAnchor","pageAnchor":{"_ref":"077b15f0-a83b-4f98-9249-995c34f4a082","_type":"reference"}},{"_key":"a0d069216154","_type":"span","marks":[],"text":"What is an annuity?"}],"markDefs":[],"style":"h2"},{"_key":"3d381a8933a3","_type":"block","children":[{"_key":"d001fb434699","_type":"span","marks":[],"text":"Buying an annuity is a way of exchanging your pension savings for a fixed, ongoing annual payment. You can use an annuity to secure a guaranteed yearly income for the rest of your life or for a specified period."}],"markDefs":[],"style":"normal"},{"_key":"7d8019b5da8f","_type":"block","children":[{"_key":"85b87ca56cfd","_type":"span","marks":[],"text":"Annuity providers typically buy government bonds (called \"gilts\" in the UK) to generate returns. If interest rates are high, this pushes these returns up. So a rise in interest rates equals a rise in annuity rates, in theory, and should translate to more bang for your buck."}],"markDefs":[],"style":"normal"},{"_key":"ed4a0cb60701","_type":"block","children":[{"_key":"0c27ab96bccb","_type":"span","marks":[],"text":"Annuities are sold by insurance companies and there are a range of different types on the market, including:"}],"markDefs":[],"style":"normal"},{"_key":"4f3932a27651","_type":"block","children":[{"_key":"d539dd1d0742","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0166734b47fb","_type":"tableControl","rows":[{"_key":"aab13449b2c8","_type":"row","cells":[{"_key":"dc714177477b","_type":"cell","tableStyle":"DB","value":[{"_key":"7b70c07d526e","_type":"block","children":[{"_key":"62063a470ffc","_type":"span","marks":["strong"],"text":"Lifetime"}],"markDefs":[],"style":"normal"}]},{"_key":"888e91a1f427","_type":"cell","tableStyle":"DB","value":[{"_key":"76f3d06db543","_type":"block","children":[{"_key":"29d4af76a5fb","_type":"span","marks":["strong"],"text":"Fixed-term"}],"markDefs":[],"style":"normal"}]},{"_key":"a7fc470d6ebd","_type":"cell","tableStyle":"DB","value":[{"_key":"ff4ea7a62e8a","_type":"block","children":[{"_key":"2a444350d8da","_type":"span","marks":["strong"],"text":"Enhanced"}],"markDefs":[],"style":"normal"}]},{"_key":"3cc6c24ef087","_type":"cell","tableStyle":"DB","value":[{"_key":"fdad6114afa0","_type":"block","children":[{"_key":"fff7eeaf5e48","_type":"span","marks":["strong"],"text":"Investment-linked"}],"markDefs":[],"style":"normal"}]},{"_key":"df1e3b09f34c","_type":"cell","tableStyle":"DB","value":[{"_key":"70233616f584","_type":"block","children":[{"_key":"395b4524fa29","_type":"span","marks":["strong"],"text":"Inflation-linked"}],"markDefs":[],"style":"normal"}]},{"_key":"9eae6325dbce","_type":"cell","tableStyle":"DB","value":[{"_key":"0ef7aade6e2b","_type":"block","children":[{"_key":"2602b9613f05","_type":"span","marks":["strong"],"text":"Purchased life"}],"markDefs":[],"style":"normal"}]}]},{"_key":"7cb078bae677","_type":"row","cells":[{"_key":"7bc0e2a7b075","_type":"cell","tableStyle":"W","value":[{"_key":"d85c0aac10c7","_type":"block","children":[{"_key":"38f689579de6","_type":"span","marks":[],"text":"Pays a guaranteed income for the rest of your life"}],"markDefs":[],"style":"normal"}]},{"_key":"cba6cce1235d","_type":"cell","tableStyle":"W","value":[{"_key":"2f3f93085a3c","_type":"block","children":[{"_key":"e052ca0d363c","_type":"span","marks":[],"text":"Pays a guaranteed income for a set period of time, e.g. 10 years"}],"markDefs":[],"style":"normal"}]},{"_key":"0c65bd0dd8ee","_type":"cell","value":[{"_key":"37e1ccf28ad4","_type":"block","children":[{"_key":"bc5e3974ec81","_type":"span","marks":[],"text":"Also called 'Impaired', aimed at those diagnosed with an illness or health problem that could reduce your life expectancy"}],"markDefs":[],"style":"normal"}]},{"_key":"41637021182a","_type":"cell","value":[{"_key":"da43be03662f","_type":"block","children":[{"_key":"f090cb2710d6","_type":"span","marks":[],"text":"Part of your income is guaranteed and part is linked to investment performance"}],"markDefs":[],"style":"normal"}]},{"_key":"ea6004ee0a12","_type":"cell","tableStyle":"W","value":[{"_key":"53b6a671ea4b","_type":"block","children":[{"_key":"d6dd892764b3","_type":"span","marks":[],"text":"Increases your income annually, typically in line with the typical inflation benchmark Retail Price Index (RPI), offering protection against rising costs"}],"markDefs":[],"style":"normal"}]},{"_key":"43827421f4a1","_type":"cell","tableStyle":"W","value":[{"_key":"ac5b156024b0","_type":"block","children":[{"_key":"0bcecd345250","_type":"span","marks":[],"text":"A lifetime annuity purchased with money outside of your pension"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"Types of annuity"},{"_key":"3c76947656b7","_type":"block","children":[{"_key":"5d65ec61571b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8557d27dd8cd","_type":"block","children":[{"_key":"f702c63d5a8a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1f4b56983f72","_type":"block","children":[{"_key":"58aff7c0dfd9","_type":"span","marks":[],"text":"A lifetime annuity, for example, pays a guaranteed income based on the value of your pension savings for the rest of your life. A fixed-term annuity, on the other hand, pays this income over a pre-agreed length of time - typically between 5 to 10 years. "}],"markDefs":[],"style":"normal"},{"_key":"68a0be43ad31","_type":"block","children":[{"_key":"e2f375d29bcc","_type":"span","marks":[],"text":"Other types of annuity come with additional features. For instance, an enhanced or impaired life annuity can provide a higher annual income for those with serious pre-existing health conditions. Some enable you to include spousal protection, whereby your spouse or civil partner receives a predetermined amount of income in the event that you pass away."}],"markDefs":[],"style":"normal"},{"_key":"a667fd385d9c","_type":"block","children":[{"_key":"9ac17cf901b6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"998c8ac285be","_type":"blockQuote","adviserLink":{"_ref":"08287788-27fc-47aa-8797-356964cf4db7","_type":"reference"},"adviserName":"Dennis Hall","jobTitle":"Chartered Financial Planner","photo":{"_type":"mainImage","alt":"Chartered Financial Planner Dennis Hall on who an annuity is best suited to","asset":{"_ref":"image-1848cbd4480bba43a3cc755623f82baf0aecd731-500x500-jpg","_type":"reference"}},"quote":[{"_key":"245e7becaffb","_type":"block","children":[{"_key":"06a0660526380","_type":"span","marks":[],"text":"Annuities suit people who are looking for an element of certainty in their finances. They won’t necessarily purchase an annuity with their whole pension fund but may want to ensure their basic costs of living are covered by a guaranteed income. They could even choose to have a fixed level of annual increase or increases linked to the retail price index (RPI)."}],"markDefs":[],"style":"normal"}]},{"_key":"0743d7336cc9","_type":"block","children":[{"_key":"adea9dc9e1aa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"014f795802c8","_type":"block","children":[{"_key":"940942638f6d","_type":"span","marks":[],"text":""},{"_key":"78d96014ca5a","_type":"mainAnchor","pageAnchor":{"_ref":"c0169b4c-2b0b-4fa3-97eb-92295f534082","_type":"reference"}},{"_key":"d3bbaf679373","_type":"span","marks":[],"text":"Drawdown vs annuity: Real life examples"}],"markDefs":[],"style":"h2"},{"_key":"ec13220107ef","_type":"block","children":[{"_key":"7a9d76f8ee31","_type":"span","marks":[],"text":"Let's look at some examples of how different financial needs can affect whether drawdown or annuity is best for you."}],"markDefs":[],"style":"normal"},{"_key":"e3845b90a9f5","_type":"block","children":[{"_key":"4abd1cce81b9","_type":"span","marks":[],"text":"Meet Linda and Robert. Linda and Robert are both 66 years old and recently retired with pension pots of £300,000 each. They have different retirement goals and financial attitudes, which led them to make different choices for accessing their pension savings."}],"markDefs":[],"style":"normal"},{"_key":"9f11bb4044d4","_type":"block","children":[{"_key":"d57e6b2b05ae","_type":"span","marks":[],"text":"Here's how their choices (drawdown for Linda, annuity for Robert) play out in practice:"}],"markDefs":[],"style":"normal"},{"_key":"a68de1e1376c","_type":"block","children":[{"_key":"a4a37d1f197f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8069b76e9436","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"33685f546f98","_type":"block","children":[{"_key":"e0fcfd342b16","_type":"span","marks":[],"text":"Linda's choice: Drawdown"}],"markDefs":[],"style":"h3"},{"_key":"a8ed63149e1f","_type":"block","children":[{"_key":"fcfa6729ceda","_type":"span","marks":[],"text":"Linda is an active retiree who plans to travel extensively during her early retirement years before settling into a quieter lifestyle later. She values flexibility and has a moderate risk tolerance."}],"markDefs":[],"style":"normal"},{"_key":"0e7760e82078","_type":"block","children":[{"_key":"33fd21efa020","_type":"span","marks":[],"text":"Linda's approach:"}],"markDefs":[],"style":"h4"},{"_key":"46c029d0fbec","_type":"block","children":[{"_key":"8611cbcf9949","_type":"span","marks":[],"text":"Takes 25% tax-free lump sum: £75,000"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"faaf6b6599b7","_type":"block","children":[{"_key":"5db3cb303d17","_type":"span","marks":[],"text":"Keeps remaining £225,000 invested in a diversified portfolio"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b6ba9cbea77f","_type":"block","children":[{"_key":"d0a2739b7aa5","_type":"span","marks":[],"text":"Plans to withdraw variable amounts:"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8e006f7e54bf","_type":"block","children":[{"_key":"f1f80632fe4d","_type":"span","marks":[],"text":"Years 1-5: £15,000 annually (higher withdrawal for travel)"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"bcfbddf8d94d","_type":"block","children":[{"_key":"d1bdd8cb1bf6","_type":"span","marks":[],"text":"Years 6-10: £12,000 annually"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"49eff2a83ae6","_type":"block","children":[{"_key":"487a5d300cb7","_type":"span","marks":[],"text":"Years 11+: £10,000 annually (reduced needs)"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"fe3dec2863d2","_type":"block","children":[{"_key":"81d4442240a3","_type":"span","marks":[],"text":"Outcome for Linda:"}],"markDefs":[],"style":"h4"},{"_key":"50760d8e783b","_type":"block","children":[{"_key":"5ac7aa7b529c","_type":"span","marks":["strong"],"text":"Flexibility"},{"_key":"ba9b5ca8313e","_type":"span","marks":[],"text":": Linda could increase her withdrawals when her daughter needed help with a house deposit in year 3."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"005039494c5d","_type":"block","children":[{"_key":"0f431703be6d","_type":"span","marks":["strong"],"text":"Investment growth"},{"_key":"cc86680a1afe","_type":"span","marks":[],"text":": Her pension pot grew to £240,000 by year 5 despite withdrawals, thanks to favourable market conditions."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"9a1ac19bfeef","_type":"block","children":[{"_key":"31c3d1351886","_type":"span","marks":["strong"],"text":"Tax efficiency"},{"_key":"0e0314a006de","_type":"span","marks":[],"text":": By varying her withdrawals, Linda kept her total income below higher tax thresholds in most years."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d6f9cff27d8f","_type":"block","children":[{"_key":"5afe34d175a4","_type":"span","marks":["strong"],"text":"Risk"},{"_key":"ff48300ec601","_type":"span","marks":[],"text":": In year 7, a market downturn reduced her pot value by 12%, but she adjusted by reducing her withdrawal temporarily."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ff6b6f80a239","_type":"block","children":[{"_key":"f09fc4609e69","_type":"span","marks":["strong"],"text":"Legacy"},{"_key":"7da500d11241","_type":"span","marks":[],"text":": Linda still has a significant pot that could potentially be passed to her children through inheritance planning if she doesn't use it all."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"a2c00a307427","_type":"block","children":[{"_key":"7f7dbdbbe830","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0737772c2ed8","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"f55ed22a4059","_type":"block","children":[{"_key":"1a7900eb3cae","_type":"span","marks":[],"text":"Robert's choice: Lifetime annuity"}],"markDefs":[],"style":"h3"},{"_key":"78743ae71a5e","_type":"block","children":[{"_key":"6198e7956a83","_type":"span","marks":[],"text":"Robert prioritises security and predictability. He has some health concerns and values knowing exactly how much income he'll receive each month."}],"markDefs":[],"style":"normal"},{"_key":"d08259d52cf6","_type":"block","children":[{"_key":"ef30de8286f3","_type":"span","marks":[],"text":"Robert's approach:"}],"markDefs":[],"style":"h4"},{"_key":"39a3f48471fd","_type":"block","children":[{"_key":"cf8a88150715","_type":"span","marks":[],"text":"Takes 25% tax-free lump sum: £75,000"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8d5fa37b8268","_type":"block","children":[{"_key":"18fd26d41e8d","_type":"span","marks":[],"text":"Uses remaining £225,000 to purchase a lifetime annuity"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1276abba375b","_type":"block","children":[{"_key":"e2338a1e3965","_type":"span","marks":[],"text":"Due to slightly elevated blood pressure and being a former smoker, he qualifies for an enhanced annuity rate"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f2f3c257b12c","_type":"block","children":[{"_key":"d984252ed0d0","_type":"span","marks":[],"text":"Selects an inflation-linked annuity with 50% spouse protection"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"273cf381ffec","_type":"block","children":[{"_key":"c1088969a698","_type":"span","marks":[],"text":"Outcome for Robert:"}],"markDefs":[],"style":"h4"},{"_key":"6c5a8765a447","_type":"block","children":[{"_key":"8a19536d8d3f","_type":"span","marks":["strong"],"text":"Guaranteed income"},{"_key":"3926a948ea62","_type":"span","marks":[],"text":": Robert receives £13,500 per year for life, with annual increases matching inflation"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"2d5a9ed1c94e","_type":"block","children":[{"_key":"b8930c3f3cc2","_type":"span","marks":["strong"],"text":"Security"},{"_key":"fe554f3d3348","_type":"span","marks":[],"text":": Market fluctuations have no impact on his retirement income"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"505b807e4a90","_type":"block","children":[{"_key":"7966cf621305","_type":"span","marks":["strong"],"text":"Simplicity"},{"_key":"d381568637d1","_type":"span","marks":[],"text":": Robert doesn't need to make ongoing investment decisions or worry about withdrawal rates"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"aa4ac7da995d","_type":"block","children":[{"_key":"28b0ef08ff38","_type":"span","marks":["strong"],"text":"Health advantage"},{"_key":"4ad13e56f3cf","_type":"span","marks":[],"text":": His health conditions actually benefited him by securing a higher annuity rate"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b18bf93b3f1a","_type":"block","children":[{"_key":"899a98b762ac","_type":"span","marks":["strong"],"text":"Peace of mind"},{"_key":"0053f06d4816","_type":"span","marks":[],"text":": Robert knows exactly how much income he'll receive each month for the rest of his life"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4f8cc02baa70","_type":"block","children":[{"_key":"995e87ba08e1","_type":"span","marks":["strong"],"text":"Spouse protection"},{"_key":"21375c8984ae","_type":"span","marks":[],"text":": If Robert dies first, his wife will continue to receive 50% of his annuity income"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"9f922de82044","_type":"block","children":[{"_key":"964edbfb1d8a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9b4e82e6586b","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"85689b99d167","_type":"block","children":[{"_key":"30f2ec3a42ed","_type":"span","marks":[],"text":"Five years into retirement: A comparison"}],"markDefs":[],"style":"h3"},{"_key":"aeee02d6f71c","_type":"block","children":[{"_key":"1b250fd37f78","_type":"span","marks":[],"text":"Linda (Drawdown):"}],"markDefs":[],"style":"h4"},{"_key":"099fcaca9be7","_type":"block","children":[{"_key":"55a0abe21d64","_type":"span","marks":[],"text":"Has withdrawn a total of £75,000 (£15,000 x 5)"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"910a25cbace1","_type":"block","children":[{"_key":"e3c7ea41f3a7","_type":"span","marks":[],"text":"Current pension value: £240,000 (after growth and withdrawals)"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"19baed517318","_type":"block","children":[{"_key":"f94f54ebb577","_type":"span","marks":[],"text":"Has flexibility to adjust future withdrawals"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"95a1397458d7","_type":"block","children":[{"_key":"ef9ff074b1ab","_type":"span","marks":[],"text":"Bears ongoing investment risk"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"3621be762371","_type":"block","children":[{"_key":"2ac34532b8af","_type":"span","marks":[],"text":"Has potential for further growth and inheritance planning"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7e8c7ffefe90","_type":"block","children":[{"_key":"436758a689bf","_type":"span","marks":[],"text":"Robert (Annuity):"}],"markDefs":[],"style":"h4"},{"_key":"87d65b60291b","_type":"block","children":[{"_key":"620baac3ff25","_type":"span","marks":[],"text":"Has received a total of £67,500 (£13,500 x 5)"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8424137015f7","_type":"block","children":[{"_key":"80a3b324f3b4","_type":"span","marks":[],"text":"Future income is secure and will increase with inflation"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"2d156820eb34","_type":"block","children":[{"_key":"f80a4af2d65b","_type":"span","marks":[],"text":"No investment decisions or concerns about market volatility"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b3ce42c59801","_type":"block","children":[{"_key":"68e3e587823a","_type":"span","marks":[],"text":"No remaining pension pot value that could be inherited"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"812ffebeb842","_type":"block","children":[{"_key":"1d4f9ec7ba81","_type":"span","marks":[],"text":"Complete certainty about future income"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"3c3ca1242fd5","_type":"block","children":[{"_key":"604880587db9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d6ea444800e4","_type":"block","children":[{"_key":"bc1c3398626c","_type":"span","marks":["strong","em"],"text":"Disclaimer"}],"markDefs":[],"style":"small"},{"_key":"22467412956f","_type":"block","children":[{"_key":"0ed8def108e8","_type":"span","marks":["em"],"text":"The above examples are presented for educational purposes only and do not constitute financial advice. The characters \"Linda\" and \"Robert\" are fictional, and their financial situations, pension choices, and outcomes are hypothetical examples created to illustrate different retirement income options. The figures, growth rates, and scenarios described do not represent guaranteed results or predictions of actual market performance. Individual circumstances vary significantly, and actual outcomes from pension drawdown or annuity purchases may differ substantially from these examples."}],"markDefs":[],"style":"small"},{"_key":"c5439548822d","_type":"block","children":[{"_key":"59610e73ba0b","_type":"span","marks":[],"text":""},{"_key":"a2bbdc3bbd40","_type":"mainAnchor","pageAnchor":{"_ref":"86c929a9-6da7-4514-b5ef-141bb1e68bb3","_type":"reference"}},{"_key":"a2a98bc43f4f","_type":"span","marks":[],"text":"Why are annuity rates going up?"}],"markDefs":[],"style":"h2"},{"_key":"f07e599853fa","_type":"block","children":[{"_key":"d83acaf1afad0","_type":"span","marks":[],"text":"The amount you get from an annuity is strongly connected to interest rates and also to long-term government bonds. In recent years, the cost of living crisis sent interest rates higher - and annuity rates have increased too. This means that annuities are back on the radar for many and rates have risen significantly."}],"markDefs":[],"style":"normal"},{"_key":"88fee7a45d96","_type":"block","children":[{"_key":"c546c98c8484","_type":"span","marks":[],"text":"Standard Life's Annuity Rate Tracker shows that annuity rates have for a healthy 65 year old have increased by around 8% over the past 12 months. This translates to an annual income of £7,360, based on a £100,000 pension pot - an increase of £550 compared to January last year.[1]"}],"markDefs":[],"style":"normal"},{"_key":"0df3b452b0e4","_type":"block","children":[{"_key":"ab1b28d60cd6","_type":"span","marks":[],"text":"Digging a little deeper into the numbers and, as of January 2025, the average rates for a fixed-term annuity were 21.91% over a 5-year fixed term, 12.33% over a ten-year fixed term, and 9.18% over a 15-year fixed term.[2]"}],"markDefs":[],"style":"normal"},{"_key":"443e0d16a94e","_type":"block","children":[{"_key":"c20c9926e17d","_type":"span","marks":[],"text":"Commenting on the recent increase, Pete Cowell, Head of Annuities – Individual Retirement at Standard Life, said: "}],"markDefs":[],"style":"normal"},{"_key":"e9baf5b89868","_type":"block","children":[{"_key":"9614ba2b0501","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e653e19a39f5","_type":"blockQuote","adviserName":"Pete Cowell","jobTitle":"Head of Annuities – Individual Retirement, Standard Life","photo":{"_type":"mainImage","alt":"Pete Cowell, Head of Annuities – Individual Retirement at Standard Life on rising annuity rates"},"quote":[{"_key":"bf50fd180482","_type":"block","children":[{"_key":"310423868d0f","_type":"span","marks":[],"text":"Annuity rates have continued to improve over the last twelve months and continue to offer retirees even stronger total incomes. Almost all (98%) people consider income security as an important factor when deciding what to do with their pension pot, and a similar amount (95%) prioritise certainty of income, so it’s easy to understand why annuities are an increasingly popular choice."}],"markDefs":[],"style":"normal"}]},{"_key":"e96650c2f3b2","_type":"block","children":[{"_key":"40cbc1d5ba38","_type":"span","marks":[],"text":""},{"_key":"749086412dbf","_type":"mainAnchor","pageAnchor":{"_ref":"c5882aca-7276-4c3e-9f08-dde56c92dde7","_type":"reference"}},{"_key":"2a6d41752fb9","_type":"span","marks":[],"text":"Is an annuity right for you?"}],"markDefs":[],"style":"h2"},{"_key":"74db4153dff8","_type":"block","children":[{"_key":"aa56733e860a","_type":"span","marks":[],"text":"Just because annuity rates look attractive at the moment does not mean they're necessarily the right choice for you. "}],"markDefs":[],"style":"normal"},{"_key":"15a795c1597c","_type":"block","children":[{"_key":"ed0ad44436d0","_type":"span","marks":[],"text":"Remember that if you opt for an annuity, your pension is no longer invested and so could potentially miss out on stock market growth that it might otherwise get if you left it in drawdown instead. This is especially relevant now that many of us live for as much as two decades or more after we retire. If all goes to plan, that could leave a lot more time for your pot to grow. So an annuity, though giving you a guaranteed income, can be more restrictive."}],"markDefs":[],"style":"normal"},{"_key":"de166a62b812","_type":"block","children":[{"_key":"99da3437cc55","_type":"span","marks":[],"text":"Equally, while pension drawdown enables you to be flexible with your retirement income, leaving some of your savings invested carries an inherent risk that the value of your pot could go down. "}],"markDefs":[],"style":"normal"},{"_key":"fb32d7969c5f","_type":"block","children":[{"_key":"73451e0fa837","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"57465268604a","_type":"blockQuote","adviserName":"Pete Cowell","jobTitle":"Head of Annuities – Individual Retirement, Standard Life","photo":{"_type":"mainImage","alt":"Pete Cowell, Head of Annuities – Individual Retirement at Standard Life on rising annuity rates"},"quote":[{"_key":"1b0acd906522","_type":"block","children":[{"_key":"efc3113529940","_type":"span","marks":[],"text":"When it comes to retirement planning, people need to consider what they expect their retirement to look like, based on their individual circumstances, and work out how best to make the most of their retirement savings. What’s becoming more appealing is the idea of a blended approach, with annuities and drawdown working in combination to meet different needs in retirement. This approach allows a portion of savings left in flexible drawdown and with the potential to grow, and the annuitised portion providing an element of guarantee to cover essential costs in retirement."}],"markDefs":[],"style":"normal"}]},{"_key":"b2350432e6c4","_type":"block","children":[{"_key":"12303603d39e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3ef13294dd47","_type":"block","children":[{"_key":"c25ec2a9ee0c","_type":"span","marks":[],"text":"If you're deciding between pension drawdown or an annuity - or indeed, a blend of the two - it's always advisable to "},{"_key":"2900326bede3","_type":"span","marks":["426eba4e6909"],"text":"contact a financial adviser"},{"_key":"5194506cea8d","_type":"span","marks":[],"text":" who can help you make the right decision. They will be able to assess your unique circumstances and retirement goals and use these to guide you towards the right choice. "}],"markDefs":[{"_key":"426eba4e6909","_type":"internalLinkPick","reference":{"_ref":"63a19438-721c-4042-b811-f8f2af951e0e","_type":"reference"}}],"style":"normal"},{"_key":"cc4014eb2761","_type":"block","children":[{"_key":"feb05712e2fe","_type":"span","marks":[],"text":"Head over to our "},{"_key":"eee3bf7cba66","_type":"span","marks":["943a4bc9e150"],"text":"adviser directory"},{"_key":"92ff157187b3","_type":"span","marks":[],"text":" and use the advanced filter to find ones that specialise in 'Pensions' and 'Pensions -Approaching retirement' to get started."}],"markDefs":[{"_key":"943a4bc9e150","_type":"internalLinkPick","reference":{"_ref":"63a19438-721c-4042-b811-f8f2af951e0e","_type":"reference"}}],"style":"normal"},{"_key":"d65c1705b888","_type":"block","children":[{"_key":"95a23dfb3da1","_type":"span","marks":[],"text":""},{"_key":"a56e3e6dae35","_type":"mainAnchor","pageAnchor":{"_ref":"9eb0fcab-82c0-47e6-ba32-cfb90693f61b","_type":"reference"}},{"_key":"607df38a4620","_type":"span","marks":[],"text":"Annuity vs drawdown: 3 things to do"}],"markDefs":[],"style":"h2"},{"_key":"b16244860887","_type":"block","children":[{"_key":"ac2592086b32","_type":"span","marks":[],"text":"However, there are a few things you can think about first that can help you begin to understand your choices. Here are three simple things you can do to make sure you're making the right decision for you."}],"markDefs":[],"style":"normal"},{"_key":"ac18ba81fa6a","_type":"block","children":[{"_key":"d1ca4dd6a5a40","_type":"span","marks":[],"text":"1. Understand your pension potential"}],"markDefs":[],"style":"h3"},{"_key":"bca1ca5a6e42","_type":"block","children":[{"_key":"f002c0ef92e5","_type":"span","marks":[],"text":"First things first, you need to know exactly how much you have saved up for your retirement to get a clear idea of what options are on the table. Beyond your "},{"_key":"59cef8427b46","_type":"span","marks":["2ab1a9c794dc"],"text":"State Pension"},{"_key":"a5b9f4c659d0","_type":"span","marks":[],"text":", you might also have accrued significant savings from "},{"_key":"8e7692ce8df9","_type":"span","marks":["521321c19ecd"],"text":"workplace pension "},{"_key":"9876e5badd56","_type":"span","marks":[],"text":"schemes (some of which could have been forgotten about or left behind) and/or "},{"_key":"19c573218afd","_type":"span","marks":["d7531acb1dbc"],"text":"personal pension "},{"_key":"ee2de3e172ac","_type":"span","marks":[],"text":"pots. It's essential to track all this information down before you decide how you're going to access your retirement savings."}],"markDefs":[{"_key":"2ab1a9c794dc","_type":"internalLinkPick","reference":{"_ref":"24becfe8-66e5-4cc0-a93d-d43dba6dc2f4","_type":"reference"}},{"_key":"521321c19ecd","_type":"internalLinkPick","reference":{"_ref":"44d52042-2125-46bc-9a05-58ce2c9d7039","_type":"reference"}},{"_key":"d7531acb1dbc","_type":"internalLinkPick","reference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"}}],"style":"normal"},{"_key":"736389284a35","_type":"block","children":[{"_key":"346573786626","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"abc07790d77c","_type":"block","children":[{"_key":"94bbc8389db5","_type":"span","marks":[],"text":"2. Know your options"}],"markDefs":[],"style":"h3"},{"_key":"e04e17f8d049","_type":"block","children":[{"_key":"0174611fbacb","_type":"span","marks":[],"text":"Once you better understand how much money you're sitting on, you should check what your current pension provider offers in terms of how you can access your funds. Some will only offer drawdown, for example, so you might want to switch providers if you decide to go with an annuity instead. You have the right to choose. "}],"markDefs":[],"style":"normal"},{"_key":"799842c24ba2","_type":"block","children":[{"_key":"f0653f473626","_type":"span","marks":[],"text":"It’s also important to know that you can have both an annuity "},{"_key":"cd03f0ad0261","_type":"span","marks":["em"],"text":"and"},{"_key":"e5efdc457082","_type":"span","marks":[],"text":" a drawdown pension – they’re not mutually exclusive. If you're not sure which one suits your needs best, or if having both makes more sense, it's a good idea to get in touch with a financial adviser who can give you tailored advice on what suits your needs most."}],"markDefs":[],"style":"normal"},{"_key":"fb42d65cd7a7","_type":"block","children":[{"_key":"6c4f23693737","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"799d567bdce1","_type":"block","children":[{"_key":"34189b588f50","_type":"span","marks":["strong"],"text":"Find a financial adviser to help you decide"}],"markDefs":[],"style":"normal"}],"_key":"d4f354f5677a","_type":"ctaWidget","reference":{"_ref":"63a19438-721c-4042-b811-f8f2af951e0e","_type":"reference"},"text":"SEARCH"},{"_key":"3eff1c3f27f4","_type":"block","children":[{"_key":"c2439b747feb","_type":"span","marks":[],"text":"3. Shop around for the best rates"}],"markDefs":[],"style":"h3"},{"_key":"3cdac228a7b7","_type":"block","children":[{"_key":"04a5b4866a02","_type":"span","marks":[],"text":"If you're considering buying an annuity, your current pension provider might not be offering very competitive rates - and they might not offer annuities at all! "}],"markDefs":[],"style":"normal"},{"_key":"dba33b65e91b","_type":"block","children":[{"_key":"79a412c6acd2","_type":"span","marks":[],"text":"The government-backed MoneyHelper website has a helpful and easy-to-use "},{"_key":"0a113f739c39","_type":"span","marks":["872d1c5ba6fe"],"text":"annuity comparison tool"},{"_key":"b66c6478ae14","_type":"span","marks":[],"text":". This will compare the market for you and give a forecast of what you might be able to expect in terms of an annual income. You'll need to input some basic info including your age, marital status, your health, and any medical conditions. "}],"markDefs":[{"_key":"872d1c5ba6fe","_type":"internalLinkPick","blank":true,"reference":{"_ref":"be50f745-9def-45c8-b578-e4de0eb30942","_type":"reference"}}],"style":"normal"},{"_key":"90ebd0bff563","_type":"block","children":[{"_key":"dab9c404034c","_type":"span","marks":[],"text":"The difference between even the main providers can be material - sometimes as much as thousands of pounds per year - so this is a super important step if you want to find the best annuity deal for you."}],"markDefs":[],"style":"normal"},{"_key":"14c7ea058889","_type":"block","children":[{"_key":"c4e3b78dca73","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2fe9e64add26","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"e844817b16ea","_type":"block","children":[{"_key":"d5181adf541d","_type":"span","marks":[],"text":"❗ If in doubt, get professional advice"}],"markDefs":[],"style":"h4"},{"_key":"4fbc56829487","_type":"block","children":[{"_key":"310746d09d2a","_type":"span","marks":[],"text":"It's crucial to remember that you only get to buy an annuity once and you can’t change your mind, so it has to be the right decision for you. Still not sure? Don't fret, there's plenty of support out there."},{"_key":"615e16c93d8b","_type":"span","marks":["201701463bc4"],"text":" "},{"_key":"022ed599358a","_type":"span","marks":["6693fe9a37fe"],"text":"MoneyHelper"},{"_key":"fc9d8e506345","_type":"span","marks":[],"text":" has a free and impartial phone line for help with your pension and retirement income plans. Or, if you're conscious about costs but still want to chat with a financial adviser, many offer a single, fixed fee, one-off session which can help you in one fell swoop."}],"markDefs":[{"_key":"201701463bc4","_type":"internalLinkPick","blank":true,"reference":{"_ref":"95fd1bd1-7e26-4160-a7a9-9f39db7952d5","_type":"reference"}},{"_key":"6693fe9a37fe","_type":"internalLinkPick","blank":true,"reference":{"_ref":"95fd1bd1-7e26-4160-a7a9-9f39db7952d5","_type":"reference"}}],"style":"normal"}]},{"_key":"058a59037f09","_type":"block","children":[{"_key":"90cfc6379690","_type":"span","marks":[],"text":""},{"_key":"fe73c001c7e2","_type":"mainAnchor","pageAnchor":{"_ref":"d87b9541-0883-4622-ba83-89e8bb056efd","_type":"reference"}},{"_key":"f9420568d143","_type":"span","marks":[],"text":"Got a question about pensions?"}],"markDefs":[],"style":"h2"},{"_key":"3a653433c844","_type":"block","children":[{"_key":"9b6eb7f615c7","_type":"span","marks":[],"text":"Got a burning question about pension drawdown, annuities or something else related to pensions? Check out "},{"_key":"f07420df8f25","_type":"span","marks":["8160a1815897"],"text":"previous reader questions and answers about pensions"},{"_key":"eea1f7f4b76a","_type":"span","marks":[],"text":" from Boring Money experts."}],"markDefs":[{"_key":"8160a1815897","_type":"internalLinkPick","reference":{"_ref":"ecb2d1ae-9857-425e-9701-869394aeb996","_type":"reference"}}],"style":"normal"},{"_key":"09aa26fe185b","_type":"block","children":[{"_key":"ad677ce8e1b3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3696d99fed73","_type":"block","children":[{"_key":"5f59b7ffe3e7","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"c38668f1e29a","_type":"block","children":[{"_key":"d853051665e3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4df422030f9d","_type":"block","children":[{"_key":"5dd4e4b48f2f","_type":"span","marks":[],"text":"[1] "},{"_key":"b1898153bcb1","_type":"span","marks":["cddbd60c3de1"],"text":"Standard Life, March 2025"}],"markDefs":[{"_key":"cddbd60c3de1","_type":"internalLinkPick","blank":true,"reference":{"_ref":"5e49c8f9-9f76-4967-a043-2b8b0a6fdbfe","_type":"reference"}}],"style":"normal"},{"_key":"0f04a9a73e5c","_type":"block","children":[{"_key":"46304510fa73","_type":"span","marks":[],"text":"[2] "},{"_key":"f9dc9381b4b9","_type":"span","marks":["af5a283358c2"],"text":"Standard Life, March 2025"}],"markDefs":[{"_key":"af5a283358c2","_type":"internalLinkPick","blank":true,"reference":{"_ref":"5e49c8f9-9f76-4967-a043-2b8b0a6fdbfe","_type":"reference"}}],"style":"normal"}],"brazeCustomAttributes":[{"_key":"4aa2e843c3d3","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_Article_Gated","customAttributeValue":"https://www.boringmoney.co.uk/learn/articles/annuity-vs-drawdown-3-things-to-keep-in-mind-to-find-the-right-pension-for-you/"}],"brazeSubscriptionRef":null,"categories":[{"_key":"464c3dd9533b","_ref":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","_type":"reference"},{"_key":"1bf7ed2484ec","_ref":"56cb73af-6356-4d23-ba58-a4d5301e6f9b","_type":"reference"}],"emailSignupWidgetButtonText":"Read the full article","emailSignupWidgetParagraphText":"Unlock this article to discover 3 things to help you choose between an annuity and drawdown!","enableComments":true,"enableGatedContent":true,"excerpt":[{"_key":"1dc1801ecb7b","_type":"block","children":[{"_key":"6e01fb8e750c","_type":"span","marks":[],"text":"Recently, annuities have been in the news as higher interest rates have renewed their popularity. But which one is really best for you? We explain the basics of pension drawdown and annuities, why annuity rates have been rising and three things to think about when choosing between the two."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"b332608eada2","_type":"block","children":[{"_key":"f2ab946da0cf","_type":"span","marks":[],"text":"At the point of retirement, we face two key choices when it comes to what we do with the money we've been saving all these years. We can either go into 'drawdown' to use our money as and when we need it, or take out an 'annuity' to secure a guaranteed income for life."}],"markDefs":[],"style":"normal"},{"_key":"6b46c95f8d9f","_type":"block","children":[{"_key":"208704f817cf","_type":"span","marks":[],"text":"Recently, annuities have been in the news as higher interest rates have renewed their popularity. But which option is truly best for your unique circumstances? The right choice depends on your retirement goals, financial attitude, and several other key factors."}],"markDefs":[],"style":"normal"},{"_key":"ce916cb4c9a0","_type":"block","children":[{"_key":"4af7246747c5","_type":"span","marks":[],"text":"Making Sense of Your Pension Options"}],"markDefs":[],"style":"h2"},{"_key":"0615f38588ae","_type":"block","children":[{"_key":"32a17e5de22f","_type":"span","marks":[],"text":"Standard Life's Annuity Rate Tracker shows that annuity rates for a healthy 65-year-old have increased by around 8% over the past 12 months. This translates to an annual income of £7,360 based on a £100,000 pension pot – an increase of £550 compared to January last year."}],"markDefs":[],"style":"normal"},{"_key":"d4cc8395c0f6","_type":"block","children":[{"_key":"c27ab29f3836","_type":"span","marks":[],"text":"When deciding between drawdown and annuities, you'll need to consider:"}],"markDefs":[],"style":"normal"},{"_key":"017be41652f5","_type":"block","children":[{"_key":"9c5c84c3da30","_type":"span","marks":[],"text":"Your attitude toward investment risk and market fluctuations"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c0909da8d8d0","_type":"block","children":[{"_key":"6660440b4c6d","_type":"span","marks":[],"text":"Whether you need guaranteed income or prefer flexibility"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"78b2e8f51391","_type":"block","children":[{"_key":"def349632dc9","_type":"span","marks":[],"text":"How your spending might change throughout retirement"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"dd64a2e0dd6f","_type":"block","children":[{"_key":"4d2ea8c7ed0f","_type":"span","marks":[],"text":"The potential advantages of a blended approach for different needs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"99fda64b78ad","_type":"block","children":[{"_key":"5eefce6d5a8d","_type":"span","marks":[],"text":"The Key Differences"}],"markDefs":[],"style":"h2"},{"_key":"4795750d4403","_type":"block","children":[{"_key":"ef04d2984fb1","_type":"span","marks":[],"text":"Pension drawdown keeps your money invested while allowing you to take flexible withdrawals. You can take up to 25% as tax-free cash, with the remainder staying invested with potential for growth – though values can fall as well as rise."}],"markDefs":[],"style":"normal"},{"_key":"6fa5eed31a1e","_type":"block","children":[{"_key":"62904b2e60d0","_type":"span","marks":[],"text":"Annuities, on the other hand, exchange your pension savings for a guaranteed income. Once purchased, they provide certainty but limit flexibility. With today's improved rates, they're becoming an increasingly attractive option for many retirees."}],"markDefs":[],"style":"normal"},{"_key":"72cdeeeed93f","_type":"block","children":[{"_key":"43786a67942f","_type":"span","marks":[],"text":"As Dennis Hall, Chartered Financial Planner, explains:"}],"markDefs":[],"style":"normal"},{"_key":"3c0a04919ba9","_type":"block","children":[{"_key":"090b5595b0c8","_type":"span","marks":[],"text":"\"Annuities suit people who are looking for an element of certainty in their finances. They won't necessarily purchase an annuity with their whole pension fund but may want to ensure their basic costs of living are covered by a guaranteed income.\""}],"markDefs":[],"style":"blockquote"},{"_key":"582e3d15a23a","_type":"block","children":[{"_key":"75afb709afb7","_type":"span","marks":[],"text":"Real-Life Decision Making"}],"markDefs":[],"style":"h2"},{"_key":"cf3a858f03e6","_type":"block","children":[{"_key":"aa9cb34eff42","_type":"span","marks":[],"text":"To understand how these options work in practice, let's consider the approach of two retirees with identical £300,000 pension pots but different priorities."}],"markDefs":[],"style":"normal"},{"_key":"f77afad3199b","_type":"block","children":[{"_key":"3ac6a9fc73e0","_type":"span","marks":[],"text":"Linda and Robert are both 66 years old and recently retired. They're facing the same decision you might be contemplating: drawdown or annuity? Their different retirement goals and financial attitudes led them to make different choices."}],"markDefs":[],"style":"normal"},{"_key":"e6f793a2c39d","_type":"block","children":[{"_key":"488c8d779f8a","_type":"span","marks":[],"text":"Which approach delivered better results? And what lessons can we learn from their experiences?"}],"markDefs":[],"style":"normal"},{"_key":"a33e4c98ca60","_type":"block","children":[{"_key":"afc2d4a6da3a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"linkMenu":[{"_key":"f449a7db45a8","_ref":"4b8d6fb7-281c-4e6d-8690-80e57c8c2389","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":" ","asset":{"_ref":"image-cf83c5788718de29326400470bdd01ad0efa2366-2880x1620-png","_type":"reference"}},"publishedAt":"2025-03-17T10:42:27.498Z","slug":{"_type":"slug","current":"annuity-vs-drawdown-3-things-to-keep-in-mind-to-find-the-right-pension-for-you"},"template":"C-SB","textNextToKey":"Sign up for free to read more","title":"Annuity vs drawdown: 3 things to do to find the right pension for you","widgets":[{"_key":"8df873bb7099","_ref":"4dd91a6a-d4d0-4bfa-bca5-4edc1d0808e7","_type":"reference"},{"_key":"819d36c4a3e7","_ref":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","_type":"reference"},{"_key":"84480d60197b","_ref":"a94e9c35-bdf2-4791-a7bd-d9ff612732c0","_type":"reference"},{"_key":"4ed2091d98cb","_ref":"92f96c95-dfab-424a-a570-d567d98c9c29","_type":"reference"},{"_key":"0cc64f0e9d0c","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-1edab11c-f36a-5a24-b6f2-bdea703b250e","children":[],"parent":null},"text":"TELL ME"},{"_key":"954b38f4eb68","_type":"block","children":[{"_key":"df44ecfabb54","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7a3f253ff758","_type":"block","children":[{"_key":"1d01a10a74df","_type":"span","marks":[],"text":""},{"_key":"1efd08dfc6ff","_type":"mainAnchor","pageAnchor":{"_ref":"4fb202b7-6246-4faa-b97d-bee6f208d1d1","_type":"reference"}},{"_key":"2feb83c206cb","_type":"span","marks":[],"text":"Is a personal pension right for me?"}],"markDefs":[],"style":"h2"},{"_key":"2f12fd40cc34","_type":"block","children":[{"_key":"f3cd487d2612","_type":"span","marks":[],"text":"Is it a good idea for you to open a SIPP? While the idea of taking retirement savings into your own hands sounds appealing, it's not always the best course of action for everyone. Here's a run-down of the key pros and cons of SIPPs."}],"markDefs":[],"style":"normal"},{"_key":"0c037522a1a8","_type":"prosConsWidget","cons":["Already have a competitive workplace pension scheme","Will need the money before you're 55","Have expensive debt to pay off first"],"consTitle":"Bad if you","pros":["Can set aside money until you're 55","Are self-employed and want to save for retirement","Want more control over your retirement savings"],"prosTitle":"Good if you "},{"_key":"0d6ddf57ea97","_type":"block","children":[{"_key":"70d644c31f280","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"69e33702ca96","_type":"block","children":[{"_key":"4b6acec9bdeb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"61804af9c650","_type":"block","children":[{"_key":"1c2d94e2f4580","_type":"span","marks":["strong"],"text":"Discover three reasons why you should open a SIPP today"}],"markDefs":[],"style":"normal"}],"_key":"8e867e8ac8ca","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_id":"fdb02161-4452-428f-b5f2-e2feca21222f","_type":"post","_rev":"FCRjSKJY23zddSI4k4xn7Q","_createdAt":"2024-04-10T10:51:50Z","_updatedAt":"2025-09-15T11:58:04Z","_system":{"base":{"id":"fdb02161-4452-428f-b5f2-e2feca21222f","rev":"chuCSXXbXXadupbWGxkWBE"}},"authors":[{"_key":"1fc14c43e722","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"cc2b20bab55f","_type":"block","children":[{"_key":"f8eb89cca1e8","_type":"span","marks":[],"text":"By "},{"_key":"5e07f09122a2","_type":"span","marks":["strong"],"text":"Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"9adb5f9d0478","_type":"block","children":[{"_key":"85b7b9e1d6ff0","_type":"span","marks":["strong"],"text":"A Self-Invested Personal Pension or SIPP is a type of pension which gives you more control over what your retirement savings are invested in. They can be a sensible way of saving for later life for those unsatisfied with their workplace pension, people who want to add more to their pot, and the self-employed who need to take retirement saving into their own hands."}],"markDefs":[],"style":"normal"},{"_key":"8f8d2165a691","_type":"block","children":[{"_key":"ac04248ebdc7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3e8edf8a6ee8","_type":"mainImage","asset":{"_ref":"image-566e05213dc27db9008f434b2b5398097a7bdc85-1920x1080-png","_type":"reference"}},{"_key":"7f3699ef19fe","_type":"block","children":[{"_key":"2ee774afdb45","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2c4d4cf58b50","_type":"block","children":[{"_key":"52fb0ceab1ca","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"48cc33f5c751","_type":"block","children":[{"_key":"6af72cdcec630","_type":"span","marks":[],"text":"However, according to Boring Money research, only 11% of non-retired individuals state they have a personal pension scheme in place. Breaking this down further by different levels of income, only 7% of those who earn less than £20,000 have a personal pension, compared to 24% for people who earn over £70,000. "}],"markDefs":[],"style":"normal"},{"_key":"9437dafa5f26","_type":"block","children":[{"_key":"82c8e9d9b9ae0","_type":"span","marks":[],"text":"So should you be opening a SIPP? How could it benefit you? And how do you know if your current workplace pension scheme ticks all your boxes already? In this article, we’ll run through three scenarios where it may make sense for you to open a SIPP and get in the driving seat of your own retirement saving journey."}],"markDefs":[],"style":"normal"},{"_key":"718af1780217","_type":"block","children":[{"_key":"f66b663431f9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"7dab21f44665","_type":"block","children":[{"_key":"b6f0e18c61920","_type":"span","marks":["strong"],"text":"Find out more about how SIPPs work"}],"markDefs":[],"style":"normal"}],"_key":"c5c88909e60e","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"},"text":"TELL ME"},{"_key":"fb75099d2a7a","_type":"block","children":[{"_key":"7c7e6abd6477","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"18ae3be62fca","_type":"block","children":[{"_key":"3ba5b3f49671","_type":"span","marks":[],"text":"1. You want to contribute more"}],"markDefs":[],"style":"h3"},{"_key":"66024fa7e53c","_type":"block","children":[{"_key":"821a48d9db6e0","_type":"span","marks":[],"text":"If you’re already paying into a workplace pension today (many will have a so-called “defined contribution” scheme), you should check if you’re maxing out your employer contributions. That is, if your employer is willing to match your contributions or pay more into your existing pot, it’s a very sensible idea to make the most of it. This will typically involve having a conversation with your HR department or at the very least talking to your line manager about your company’s pension policy."}],"markDefs":[],"style":"normal"},{"_key":"a3f3b2aecc10","_type":"block","children":[{"_key":"f22e1da859b10","_type":"span","marks":[],"text":"Let’s say you’re currently paying the minimum contribution rate, which came into force in April 2019. This means you pay 5% of your pre-tax earnings into your workplace pension scheme while your employer puts in 3%. Overall your total contributions will amount to 8% of your pre-tax income."}],"markDefs":[],"style":"normal"},{"_key":"afa3c62cf71f","_type":"block","children":[{"_key":"66a3f7bdcaff0","_type":"span","marks":[],"text":"Workplace pension contributions explained"}],"markDefs":[],"style":"h4"},{"_key":"f8881db68950","_type":"tableControl","rows":[{"_key":"d28ca5c3760c","_type":"row","cells":[{"_key":"96ee4934c73c","_type":"cell","tableStyle":"LB","value":[{"_key":"c0d2a5644e75","_type":"block","children":[{"_key":"b3ef0bd2386c","_type":"span","marks":["strong"],"text":"Employer minimum contribution"}],"markDefs":[],"style":"normal"}]},{"_key":"43aee05ef10e","_type":"cell","tableStyle":"LB","value":[{"_key":"3a7a393191bc","_type":"block","children":[{"_key":"c8f2468622f3","_type":"span","marks":["strong"],"text":"Employee contribution"}],"markDefs":[],"style":"normal"}]},{"_key":"25ea283f2856","_type":"cell","tableStyle":"LB","value":[{"_key":"12501fbee993","_type":"block","children":[{"_key":"6a0accb2c7970","_type":"span","marks":["strong"],"text":"Total contributions"}],"markDefs":[],"style":"normal"}]}]},{"_key":"e23cb67f6e94","_type":"row","cells":[{"_key":"eefd6be643a9","_type":"cell","tableStyle":"W","value":[{"_key":"1b757c1e4371","_type":"block","children":[{"_key":"529ed6d14a420","_type":"span","marks":[],"text":"3%"}],"markDefs":[],"style":"normal"}]},{"_key":"aced01a57672","_type":"cell","tableStyle":"W","value":[{"_key":"e9256a8b1092","_type":"block","children":[{"_key":"c86f899aad99","_type":"span","marks":[],"text":"5%"}],"markDefs":[],"style":"normal"}]},{"_key":"0383a0eac3c8","_type":"cell","tableStyle":"W","value":[{"_key":"8d07cc607a79","_type":"block","children":[{"_key":"7afe0bbd63f3","_type":"span","marks":[],"text":"8%"}],"markDefs":[],"style":"normal"}]}]}]},{"_key":"667702672ded","_type":"block","children":[{"_key":"0c79d01af182","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0600c167aa69","_type":"block","children":[{"_key":"0abcb22125c20","_type":"span","marks":[],"text":"This, however, is just the legal minimum in the UK and many pension schemes will allow either you, your employer, or both of you to contribute more. Some employers will match your contributions up to a certain amount - for example, 10%."}],"markDefs":[],"style":"normal"},{"_key":"25e70a5fe7dc","_type":"block","children":[{"_key":"2fcb9b6e914a0","_type":"span","marks":[],"text":"The first and most important thing to do if you’re thinking of paying more into a pension is to check if you’re making the most of your workplace scheme. It will typically be more straightforward to simply up your contributions into your existing plan than to go about setting up a SIPP."}],"markDefs":[],"style":"normal"},{"_key":"619b0b25ae35","_type":"block","children":[{"_key":"670caf5d0f9d0","_type":"span","marks":[],"text":"However, not everyone’s workplace pension works this way. Some people have a defined benefit (DB) - sometimes called a final salary - scheme. Many of those who work in the civil service or healthcare (e.g. the NHS) have this type of plan, which typically guarantees you a predetermined income for life. It’s often dependent on how many years you’ve been an employee and your salary at the point of retirement. "}],"markDefs":[],"style":"normal"},{"_key":"9ce6c756ef9d","_type":"block","children":[{"_key":"cbc56b0396000","_type":"span","marks":[],"text":"Some DB pension schemes allow you to make additional contributions, so make sure you check the details of your arrangement to find out if you can make your own top-ups."}],"markDefs":[],"style":"normal"},{"_key":"89ecdb10f325","_type":"block","children":[{"_key":"c6d0be1b1e1d0","_type":"span","marks":[],"text":"If you’ve already checked, made sure you’re making the most of your workplace scheme and you still want to save more towards your retirement, this is where a SIPP starts to make a lot of sense. Let’s say you’ve already maxed out your employer contributions and you’ve got some extra cash at the end of the month that you want to put to good use, you could use a SIPP to tuck this away for later in life. "}],"markDefs":[],"style":"normal"},{"_key":"e928f5ae2639","_type":"block","children":[{"_key":"6bb083caa2e7","_type":"span","marks":[],"text":"2. You want more control over what you invest in"}],"markDefs":[],"style":"h3"},{"_key":"bd8ccbc810ca","_type":"block","children":[{"_key":"5f6b1eb9e9770","_type":"span","marks":[],"text":"Another scenario where it might be a good idea to open a SIPP is if you want more control over what you’re investing in. For many employees, your workplace will have an existing pension scheme which you’re signed up to when you join the company. In some cases, you may be able to switch to a different plan or different provider, but for many there is limited choice and it’s easy to end up “stuck” with the arrangement your workplace has sorted out on your behalf."}],"markDefs":[],"style":"normal"},{"_key":"6eba4b115267","_type":"block","children":[{"_key":"7a9c11a4623c0","_type":"span","marks":[],"text":"This might not be ideal for you. Maybe you’re not comfortable with what your pension is invested in – oil, gas and other so-called “sin stocks” frequently appear in pension funds thanks to the popularity and stability of these behemoth firms. Perhaps you’d prefer to invest in more “green”, “sustainable” or “ethical” firms, putting your long-term savings behind the companies striving to make the world a better place. Or maybe your current scheme is too restrictive and you’d like to select your own stocks to make your perfect retirement pick ‘n’ mix."}],"markDefs":[],"style":"normal"},{"_key":"1fc67a28aa86","_type":"block","children":[{"_key":"04c17e15a2250","_type":"span","marks":[],"text":"SIPPs are designed to let you have more control over what your retirement savings are invested in. There are dozens of SIPP providers on the market to choose from, offering a choice of thousands of "},{"_key":"7ccbecc9467c","_type":"span","marks":["7fdfa1dc161e"],"text":"shares"},{"_key":"2c4a94b85ac7","_type":"span","marks":[],"text":", "},{"_key":"5a3965f0abcf","_type":"span","marks":["abf904037bde"],"text":"funds"},{"_key":"3609c71ae1c2","_type":"span","marks":[],"text":", "},{"_key":"caacae372f18","_type":"span","marks":["5f6dc3538cb4"],"text":"ETFs"},{"_key":"76aca355d1bc","_type":"span","marks":[],"text":", "},{"_key":"73d1a7969faf","_type":"span","marks":["b98a9ffb2c50"],"text":"investment trusts"},{"_key":"5673798de521","_type":"span","marks":[],"text":", "},{"_key":"112076e51675","_type":"span","marks":["b5cf28a91405"],"text":"ready-made options"},{"_key":"519067535ba1","_type":"span","marks":[],"text":" and more to help you select the investments you really want to put your money into. If your workplace pension isn’t ticking all your boxes, setting up a SIPP could give you the level of control you’re looking for."}],"markDefs":[{"_key":"7fdfa1dc161e","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}},{"_key":"abf904037bde","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}},{"_key":"5f6dc3538cb4","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}},{"_key":"b98a9ffb2c50","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}},{"_key":"b5cf28a91405","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"fcb8d5e14ef5","_type":"block","children":[{"_key":"086fb65c1523","_type":"span","marks":[],"text":"3. You want to be able to save for retirement at your own pace"}],"markDefs":[],"style":"h3"},{"_key":"30afd7420b65","_type":"block","children":[{"_key":"35b67ff3044a0","_type":"span","marks":[],"text":"Finally, if you occasionally receive some extra cash in a lump sum – say as a gift or an inheritance – and you’d like the option to pop it into your pension on your own terms, why not have a SIPP ready to go?"}],"markDefs":[],"style":"normal"},{"_key":"213c242f26aa","_type":"block","children":[{"_key":"2ff6fc6e2eaf0","_type":"span","marks":[],"text":"One of the main benefits of a SIPP is the flexibility it gives you to add to your pot whenever you want. Many SIPP providers offer reduced (or altogether waived) trading fees if you set up a regular investment plan – essentially a monthly direct debit straight into your pension. However, even if you’re not able to commit to regular payments, opening a SIPP gives you the freedom to pop some cash into your pension whenever you have the means to do so."}],"markDefs":[],"style":"normal"},{"_key":"51c934dd72f0","_type":"block","children":[{"_key":"cc14e97307350","_type":"span","marks":[],"text":"When you’re shopping around for SIPPs, make sure to pay attention to the discounts available if you set up a regular investment plan. If you’re a keen investor who’s likely to make a number of trades over the course of a year, it may well be worth doing this to save yourself on the cost of trading."}],"markDefs":[],"style":"normal"},{"_key":"030ca7f5f4b4","_type":"block","children":[{"_key":"10358f30fa2c0","_type":"span","marks":[],"text":"Find the right pension for you"}],"markDefs":[],"style":"h2"},{"_key":"366cc00800da","_type":"block","children":[{"_key":"44f7048c00a70","_type":"span","marks":[],"text":"If you’ve decided that opening a SIPP makes sense for you, we can help you scour the market to find the best provider. Head over to our pension comparison table to see what’s out there, read our full reviews and see what other customers think."}],"markDefs":[],"style":"normal"},{"_key":"519d62018b5e","_type":"block","children":[{"_key":"b8d03d5b384b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"7dab21f44665","_type":"block","children":[{"_key":"b6f0e18c61920","_type":"span","marks":["strong"],"text":"Browse SIPP providers"}],"markDefs":[],"style":"normal"}],"_key":"0ac9680379cb","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"8f8d5255-8476-4e70-b08c-449f90bec96e","_type":"reference"},"text":"SEARCH"},{"_key":"0978f50028a5","_type":"block","children":[{"_key":"da893c9359c1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"brazeCustomAttributes":[{"_key":"df9758a02adc","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_Article_Gated","customAttributeValue":"https://www.boringmoney.co.uk/learn/articles/three-reasons-to-open-a-sipp/"}],"categories":[{"_key":"1c86a75fc125","_ref":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","_type":"reference"}],"emailSignupWidgetButtonText":"JOIN US","emailSignupWidgetImage":{"_type":"mainImage","alt":"Gated content"},"emailSignupWidgetParagraphText":"Find out why you should open a SIPP today!","enableGatedContent":true,"excerpt":[{"_key":"af4112293289","_type":"block","children":[{"_key":"9ac638077d950","_type":"span","marks":[],"text":"A Self-Invested Personal Pension or SIPP is a type of pension which gives you more control over what your retirement savings are invested in. They can be a sensible way of saving for later life for those unsatisfied with their workplace pension, people who want to add more to their pot, and the self-employed who need to take retirement saving into their own hands."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"2a7162e283f7","_type":"block","children":[{"_key":"80e160d68ae3","_type":"span","marks":["strong"],"text":"A Self-Invested Personal Pension or SIPP is a type of pension which gives you more control over what your retirement savings are invested in. They can be a sensible way of saving for later life for those unsatisfied with their workplace pension, people who want to add more to their pot, and the self-employed who need to take retirement saving into their own hands."}],"markDefs":[],"style":"normal"},{"_key":"31f9c9449cad","_type":"block","children":[{"_key":"016ef24365ba","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0e5f669d0dd6","_type":"mainImage","asset":{"_ref":"image-566e05213dc27db9008f434b2b5398097a7bdc85-1920x1080-png","_type":"reference"}},{"_key":"2cda4290d396","_type":"block","children":[{"_key":"8be6a4303486","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dd4aa943edc6","_type":"block","children":[{"_key":"3eafcc9b0b0a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"af557a7fe754","_type":"block","children":[{"_key":"7ba2d5502288","_type":"span","marks":[],"text":"However, according to Boring Money research, only 11% of non-retired individuals state they have a personal pension scheme in place. Breaking this down further by different levels of income, only 7% of those who earn less than £20,000 have a personal pension, compared to 24% for people who earn over £70,000. "}],"markDefs":[],"style":"normal"},{"_key":"26f04d7f9a9d","_type":"block","children":[{"_key":"d8623f0ebabe","_type":"span","marks":[],"text":"So should you be opening a SIPP? How could it benefit you? And how do you know if your current workplace pension scheme ticks all your boxes already? In this article, we’ll run through three scenarios where it may make sense for you to open a SIPP and take the wheel on your retirement saving journey."}],"markDefs":[],"style":"normal"},{"_key":"bef0113da7e6","_type":"block","children":[{"_key":"e54a838a826b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"7dab21f44665","_type":"block","children":[{"_key":"b6f0e18c61920","_type":"span","marks":["strong"],"text":"Find out more about how SIPPs work"}],"markDefs":[],"style":"normal"}],"_key":"8bedfcf6c244","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"},"text":"TELL ME"},{"_key":"35110dc1e439","_type":"block","children":[{"_key":"3fccfb8b43fb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dbf8278e1ca9","_type":"block","children":[{"_key":"7695b4d28805","_type":"span","marks":[],"text":"1. You want to contribute more"}],"markDefs":[],"style":"h3"},{"_key":"76756f5adc8c","_type":"block","children":[{"_key":"b1d6f3169615","_type":"span","marks":[],"text":"If you’re already paying into a workplace pension today (many will have a so-called “defined contribution” scheme), you should check if you’re maxing out your employer contributions. That is, if your employer is willing to match your contributions or pay more into your existing pot, it’s a very sensible idea to make the most of it. This will typically involve having a conversation with your HR department or at the very least talking to your line manager about your company’s pension policy."}],"markDefs":[],"style":"normal"},{"_key":"caed56ace40d","_type":"block","children":[{"_key":"837986982871","_type":"span","marks":[],"text":"Let’s say you’re currently paying the minimum contribution rate, which came into force in April 2019. This means you pay 5% of your pre-tax earnings into your workplace pension scheme while your employer puts in 3%. Overall your total contributions will amount to 8% of your pre-tax income."}],"markDefs":[],"style":"normal"},{"_key":"b7421a8da07d","_type":"block","children":[{"_key":"bb872b76d10c","_type":"span","marks":[],"text":"Workplace pension contributions explained"}],"markDefs":[],"style":"h4"},{"_key":"471d4c115f26","_type":"block","children":[{"_key":"7ac0fc3bd789","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-566e05213dc27db9008f434b2b5398097a7bdc85-1920x1080-png","_type":"reference"}},"publishedAt":"2024-04-11T13:48:19.489Z","slug":{"_type":"slug","current":"three-reasons-to-open-a-sipp"},"template":"C-SB","textNextToKey":"Unlock this article to continue reading","title":"Three reasons to open a SIPP","widgets":[{"_key":"69fb69e5e135","_ref":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","_type":"reference"},{"_key":"879076e2b68f","_ref":"34cc9a7e-24e0-4253-b447-28bc22728d46","_type":"reference"},{"_key":"7e4a3079ae73","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"}],"id":"-a1ce0106-f6ab-5dd7-9b98-4a2bd0e916e0","children":[],"parent":null},"text":"FIND OUT"},{"_key":"7780f35dead2","_type":"block","children":[{"_key":"fe7b2db8cfa5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4e0fa86f3d2d","_type":"block","children":[{"_key":"f206819400f2","_type":"span","marks":[],"text":""},{"_key":"a5170953afaf","_type":"mainAnchor","pageAnchor":{"_ref":"d5017282-7bc8-4433-bcd8-1bc15bc86641","_type":"reference"}},{"_key":"f7b926c31def2","_type":"span","marks":[],"text":"How much can I pay into a personal pension?"}],"markDefs":[],"style":"h2"},{"_key":"785d2edd23e3","_type":"block","children":[{"_key":"6a1c63cdf64e","_type":"span","marks":[],"text":"The maximum amount most people can pay into their pensions each tax year is typically £60,000 or 100% of their salary - whichever is lowest. This includes the total of:"}],"markDefs":[],"style":"normal"},{"_key":"584d233d3bda","_type":"block","children":[{"_key":"4ed0c1dcfffe0","_type":"span","marks":[],"text":"your own contributions (plus any tax relief you receive) and;"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"cce9b4ba775a","_type":"block","children":[{"_key":"2f147cf74a470","_type":"span","marks":[],"text":"any employer contributions"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"045b27aa3d99","_type":"block","children":[{"_key":"521a86c97e760","_type":"span","marks":[],"text":"If you are unemployed or earn under £3,600 a year, then the most you can pay into your pension is £2,880 (this increases to £3,600 with the tax relief applied)."}],"markDefs":[],"style":"normal"},{"_key":"778ade774f2b","_type":"block","children":[{"_key":"e2b7ef4446f3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"fea49faf329a","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Pension carry forward"},"text":[{"_key":"c087fce67e17","_type":"block","children":[{"_key":"ed037c44af61","_type":"span","marks":[],"text":"Pension carry forward"}],"markDefs":[],"style":"h4"},{"_key":"e8a9c7db641c","_type":"block","children":[{"_key":"89c9d37aa8cd","_type":"span","marks":[],"text":"If you've used up all of your annual allowance, you may be able to carry over any of your allowance you didn't use up from the previous three tax years through a process called \"pension carry forward\". You can ask your pension providers for details of how much you saved into each scheme if they’ve not already sent them to you, or "},{"_key":"82e4d00bb643","_type":"span","marks":["4f3274463f7a"],"text":"use the GOV.UK's annual allowance calculator"},{"_key":"b6ddd401a910","_type":"span","marks":[],"text":" to check if your pension savings are more than your annual allowance and if you have any unused allowance to carry forward."}],"markDefs":[{"_key":"4f3274463f7a","_type":"internalLinkPick","blank":true,"reference":{"_ref":"76e458a7-bd09-4c22-a673-587b0dcfe6eb","_type":"reference"}}],"style":"normal"},{"_key":"3a3641d24309","_type":"block","children":[{"_key":"b25777b185c10","_type":"span","marks":[],"text":"‏‏‎ ‎"}],"markDefs":[],"style":"normal"}]},{"_key":"d30bc8baf9c8","_type":"block","children":[{"_key":"7a6a42d7710b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e22e35f719c7","_type":"block","children":[{"_key":"193a193ee48d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"da83ea6289a1","_type":"block","children":[{"_key":"bd34a1d07939","_type":"span","marks":[],"text":"The rules for the annual allowance are slightly different for higher earners due to something called the \"tapered annual allowance\" - more on this next."}],"markDefs":[],"style":"normal"},{"_key":"a0507441c59e","_type":"block","children":[{"_key":"10a5090d21ca","_type":"span","marks":[],"text":"Rules for the highest earners"}],"markDefs":[],"style":"h4"},{"_key":"a119508cded0","_type":"block","children":[{"_key":"23f295966bdc0","_type":"span","marks":[],"text":"If you’re a higher earner, your annual allowance may be less than this thanks to something called the 'tapered annual allowance', which can reduce your allowance to as low as just £10,000 depending on how much you earn. "}],"markDefs":[],"style":"normal"},{"_key":"df831d7c3ec1","_type":"block","children":[{"_key":"ad27e48c5fea","_type":"span","marks":[],"text":"The tapered annual allowance affects individuals whose:"}],"markDefs":[],"style":"normal"},{"_key":"2bf193ea29e0","_type":"block","children":[{"_key":"32148a15cad70","_type":"span","marks":[],"text":"‘threshold income’ is above £200,000 "},{"_key":"6e33ff443e3e","_type":"span","marks":["em"],"text":"and;"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4ad29e2a2bb7","_type":"block","children":[{"_key":"3720e998380b","_type":"span","marks":[],"text":"‘adjusted income’ is above £260,000"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"96b3ce2b1d5a","_type":"block","children":[{"_key":"dc38b0facec7","_type":"span","marks":[],"text":"Threshold income does not include your pension contributions, while adjusted income does."}],"markDefs":[],"style":"normal"},{"_key":"ae65a0c4eaa6","_type":"block","children":[{"_key":"419a0f39373b0","_type":"span","marks":[],"text":"Those who meet the criteria above will see their annual allowance gradually reduce by £1 for every £2 of ‘adjusted income’ above £260,000. For example, if your adjusted income was £270,000, your annual allowance would be reduced to £55,000. This is because, as you're £10,000 over the adjusted income threshold of £260,000, your annual allowance is reduced by £5,000 - taking it down to £55,000."}],"markDefs":[],"style":"normal"},{"_key":"834676a2335b","_type":"block","children":[{"_key":"7832ee5ff26b","_type":"span","marks":[],"text":"The tapering stops at £360,000, preserving a minimum of at least £10,000 for even the very highest earners."}],"markDefs":[],"style":"normal"},{"_key":"daaddabeb093","_type":"block","children":[{"_key":"35a1465ca04a0","_type":"span","marks":[],"text":"Until 5 April 2024, there had also previously been a lifetime pension allowance which was capped at just over £1 million. This has since been abolished to allow individuals to save more into their pension - as long as you stick to your relevant annual allowance for each tax year."}],"markDefs":[],"style":"normal"},{"_key":"159d4e71bb7e","_type":"block","children":[{"_key":"b0807c766c61","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1b31853e858e","_type":"block","children":[{"_key":"13ed06d5fd92","_type":"span","marks":[],"text":""},{"_key":"664c356d126c","_type":"mainAnchor","pageAnchor":{"_ref":"e87611f7-5f1e-4039-8a16-99b71d40b0de","_type":"reference"}},{"_key":"0d7ece435554","_type":"span","marks":[],"text":"What can I put in my personal pension?"}],"markDefs":[],"style":"h2"},{"_key":"e959c16f4109","_type":"block","children":[{"_key":"1dd576ced2530","_type":"span","marks":[],"text":"One of the main benefits of a SIPP is the amount of control it gives you over what to invest your retirement savings in. You can choose what you like! Depending on the provider you go for, you can invest in different types of asset such as: "}],"markDefs":[],"style":"normal"},{"_key":"dec8613ba0d4","_type":"block","children":[{"_key":"7657fdc8a682","_type":"span","marks":["835a5c001d3c"],"text":"Shares"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"835a5c001d3c","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}}],"style":"normal"},{"_key":"5989daf6e111","_type":"block","children":[{"_key":"f7633016ed41","_type":"span","marks":["9bd8fa765441"],"text":"Funds"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"9bd8fa765441","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"aaf0e327969d","_type":"block","children":[{"_key":"baf664e835ee","_type":"span","marks":["cb52a2318986"],"text":"ETFs"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"cb52a2318986","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}}],"style":"normal"},{"_key":"62d050708dd5","_type":"block","children":[{"_key":"4ed667064e3f","_type":"span","marks":["f92834ba66b2"],"text":"Investment trusts"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"f92834ba66b2","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}}],"style":"normal"},{"_key":"2751b0f1683c","_type":"block","children":[{"_key":"776405fde97d","_type":"span","marks":["c77a44075b9d"],"text":"Ready-made investments"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"c77a44075b9d","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"b51497b137da","_type":"block","children":[{"_key":"2fabdd4542e0","_type":"span","marks":[],"text":"It's all about choice. Different providers will have different combinations and ranges of investments to choose from. "}],"markDefs":[],"style":"normal"},{"_key":"6eb377a17d43","_type":"block","children":[{"_key":"136113527399","_type":"span","marks":[],"text":"For example, the exceedingly popular provider "},{"_key":"05d5d4a6eef3","_type":"span","marks":["237ddcfe1985"],"text":"Vanguard"},{"_key":"7c0fcf2bc4dc","_type":"span","marks":[],"text":" offers around 85 in-house funds and ETFs (but no access to individual shares), whereas "},{"_key":"60aa7db1920f","_type":"span","marks":["6c6bd0271ce8"],"text":"Fidelity"},{"_key":"85309ded4eef","_type":"span","marks":[],"text":" has a much wider range stretching into the thousands with a choice of funds, ETFs, investment trusts and shares. Both were winners of our coveted "},{"_key":"1bb0b0f3b43b","_type":"span","marks":["d8290dd4ae22"],"text":"Best Buy Pension award"},{"_key":"f91333e68322","_type":"span","marks":[],"text":" in 2025."}],"markDefs":[{"_key":"237ddcfe1985","_type":"internalLinkPick","reference":{"_ref":"040a1837-41f8-40f7-aa2a-67f13dff3e28","_type":"reference"}},{"_key":"6c6bd0271ce8","_type":"internalLinkPick","reference":{"_ref":"6b9c10a5-2223-4a20-98fb-55323cda4a35","_type":"reference"}},{"_key":"d8290dd4ae22","_type":"internalLinkPick","reference":{"_ref":"41b7c255-2a4e-415c-bc4e-74bc27a97f1e","_type":"reference"}}],"style":"normal"},{"_key":"a6a13aaf1e52","_type":"block","children":[{"_key":"d0828c5018d8","_type":"span","marks":[],"text":"Confident investors"}],"markDefs":[],"style":"h4"},{"_key":"66e3d4ebb58f","_type":"block","children":[{"_key":"ef5f60ad7e2f0","_type":"span","marks":[],"text":"When it comes to what to put in your SIPP, more confident savers may prefer to choose their own range of individual "},{"_key":"4f4b2e313950","_type":"span","marks":["03227fb6d8b6"],"text":"shares"},{"_key":"46973f83f2a3","_type":"span","marks":[],"text":", but we wouldn’t typically suggest this route for the newer or less confident investor."}],"markDefs":[{"_key":"03227fb6d8b6","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}}],"style":"normal"},{"_key":"ae8693377528","_type":"block","children":[{"_key":"925bf5fc3575","_type":"span","marks":[],"text":"Intermediate investors"}],"markDefs":[],"style":"h4"},{"_key":"511689fd50f5","_type":"block","children":[{"_key":"fb65c7af30ce","_type":"span","marks":[],"text":"If you're reasonably confident when it comes to investing, you know what you want and don't mind handling some of the decisions yourself, selecting a decent-sized range of "},{"_key":"cda1838f9d28","_type":"span","marks":["7d48bf1e1468"],"text":"funds"},{"_key":"6a01878f5a2a","_type":"span","marks":[],"text":" - say, 8 to 12 - should suffice."}],"markDefs":[{"_key":"7d48bf1e1468","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"dc8e4b42709b","_type":"block","children":[{"_key":"4eec2d815e82","_type":"span","marks":[],"text":"Beginner investors"}],"markDefs":[],"style":"h4"},{"_key":"0606026b2bcc","_type":"block","children":[{"_key":"348d2002a5ef0","_type":"span","marks":[],"text":"And if you don’t want to research a pool of funds and you aren’t sure what to do, consider a "},{"_key":"b05db35ca1a1","_type":"span","marks":["b70bc2f1cd4b"],"text":"ready-made investment"},{"_key":"a8e333f86971","_type":"span","marks":[],"text":". This is a great way to start for the less confident investor who would prefer to have all the difficult decision-making handled for you."}],"markDefs":[{"_key":"b70bc2f1cd4b","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"6ac0bfb047a9","_type":"block","children":[{"_key":"f96bd3c6eab5","_type":"span","marks":[],"text":""},{"_key":"b4b2a500811e","_type":"mainAnchor","pageAnchor":{"_ref":"cbf710fc-0661-47c8-b9c5-b0c5315d37b1","_type":"reference"}},{"_key":"dfac1679452e","_type":"span","marks":[],"text":"How much does a personal pension cost?"}],"markDefs":[],"style":"h2"},{"_key":"c56016f0cd43","_type":"block","children":[{"_key":"432fb9ca16c0","_type":"span","marks":[],"text":"There are three basic elements to the cost of having and running a SIPP account. These typically include:"}],"markDefs":[],"style":"normal"},{"_key":"d3dea964ce4b","_type":"block","children":[{"_key":"f0c8a51c9cd3","_type":"span","marks":["strong"],"text":"Admin fees: "},{"_key":"b0f9dfd3d87c","_type":"span","marks":[],"text":"The annual administration fee for providing the pension - this will usually be between 0.35% and 0.5% each year and will be levied by the company you open up the account with."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"040f23a1e4d1","_type":"block","children":[{"_key":"3da1063e39ab","_type":"span","marks":["strong"],"text":"Dealing charges:"},{"_key":"653447385695","_type":"span","marks":[],"text":" The fees charged when you buy or sell funds or shares. It’s normally about a tenner to buy a share and buying funds is usually less or free."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"157061d0c482","_type":"block","children":[{"_key":"f573a3f84539","_type":"span","marks":["strong"],"text":"Fund management fees:"},{"_key":"fa2f200939a0","_type":"span","marks":[],"text":" The annual charge from the fund manager for managing your investments. This will apply if you buy managed funds inside your pension, which is typically the case. This is usually about 0.75% every year."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a00e7156f141","_type":"block","children":[{"_key":"23fe9ccb048c","_type":"span","marks":[],"text":"Most people wonder why it can’t just be bundled together as a single and simple fee, but the UK financial services regulator - the FCA - has been clear that it wants people to know what they are paying for the different parts of the overall service."}],"markDefs":[],"style":"normal"},{"_key":"034a23f191a8","_type":"block","children":[{"_key":"064cba8435f0","_type":"span","marks":[],"text":"All in, most people should not be paying more than about 1.3% a year. So that's £13 on every £1,000 invested. The biggest variable will be the charges on the underlying investments within your SIPP, and these will vary depending on what you choose - from lower-cost options like ETFs to higher-cost assets like investment trusts."}],"markDefs":[],"style":"normal"},{"_key":"d94993d414f8","_type":"block","children":[{"_key":"b1591a97a5b7","_type":"span","marks":[],"text":"This is one of the main reasons why it's key to shop around before you select your SIPP provider, to make sure you get the best value for money for what you want. If you're looking for the lowest-cost SIPP providers on the market, check out the winners of our Best Low-cost SIPP awards for portfolios under and over £50,000."}],"markDefs":[],"style":"normal"},{"_key":"c5cf40b9836e","_type":"block","children":[{"_key":"a5e35b930792","_type":"span","marks":["72c3566dfce5"],"text":"Best Low-cost Pension <£50k"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"72c3566dfce5","_type":"internalLinkPick","reference":{"_ref":"6b117d65-8d5f-4b41-ab76-72ad931731a5","_type":"reference"}}],"style":"normal"},{"_key":"c7dccf052b60","_type":"block","children":[{"_key":"ba4e18a8c7f2","_type":"span","marks":["a434d0a08e6f"],"text":"Best Low-cost Pension >£50k"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"a434d0a08e6f","_type":"internalLinkPick","reference":{"_ref":"4c448256-d916-44ed-991f-5a9d5c44c109","_type":"reference"}}],"style":"normal"},{"_key":"e5b680b04d0a","_type":"block","children":[{"_key":"c57a7380ef56","_type":"span","marks":[],"text":""},{"_key":"f4ab1769aacd","_type":"mainAnchor","pageAnchor":{"_ref":"db41d03a-ca09-42cc-bb7e-ee782c820ab7","_type":"reference"}},{"_key":"1dfbf7351126","_type":"span","marks":[],"text":"Choose a personal pension"}],"markDefs":[],"style":"h2"},{"_key":"5f50e98a869a","_type":"block","children":[{"_key":"1e3ce253efd2","_type":"span","marks":[],"text":"If you've decided to open a SIPP, there are dozens of providers to choose from and this can make it tricky to see the wood for the trees. But that's where we come in! Head over to our Pension comparison table to browse the market, see the winners of our exclusive Best Buy Pension awards and read what real customers think!"}],"markDefs":[],"style":"normal"},{"_key":"d0b28553fe3b","_type":"block","children":[{"_key":"251aa70216c2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"97e8b9d16f6d","_type":"block","children":[{"_key":"e630b63666de","_type":"span","marks":["strong"],"text":"Find the right SIPP for you"}],"markDefs":[],"style":"normal"}],"_key":"cda4a2bdf0e6","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_id":"8f8d5255-8476-4e70-b08c-449f90bec96e","_type":"landingPage","_rev":"BV7Sm6F4lThNfRDi4058oY","_createdAt":"2021-10-19T10:00:12Z","_updatedAt":"2026-02-06T14:43:45Z","MainImage":{"_type":"mainImage","asset":{"_ref":"image-a7c60be40c88daf6efeed68ae752566550174c3e-2000x1121-png","_type":"reference"}},"_system":{"base":{"id":"8f8d5255-8476-4e70-b08c-449f90bec96e","rev":"bBpgoFGEY7H8EheLRWpqvy"}},"brazeCustomAttributes":[{"_key":"137ad7eaa300","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_COMPARE_TABLE","customAttributeValue":"www.boringmoney.co.uk/pensions/pensions/"}],"content":[{"_key":"c1401b9f2469","_type":"headerBlock","alignment":"Center","desktopImage":{"_type":"mainImage","alt":"pension","asset":{"_ref":"image-692fe718e41bd6e5b603b30ede3a31524a619adf-1920x300-png","_type":"reference"}},"mobileImage":{"_type":"mainImage","alt":"pension","asset":{"_ref":"image-5d6fa00f4a1853aa364fc24b7cff943ae71fca31-600x250-png","_type":"reference"}},"reference":{"_ref":"eb79261a-d99b-496a-a5a9-432e5319bf7e","_type":"reference"},"tabletImage":{"_type":"mainImage","alt":"pension","asset":{"_ref":"image-ce52fe79ce8d9e844219a619d303c16cd05a3c4f-1280x300-png","_type":"reference"}},"title":"Pensions"},{"_key":"7de6c3567f6c","_type":"bestBuysTable","calculatorAssumptionsModel":{"_ref":"64a33903-4551-4a96-85e5-53a632623cf6","_type":"reference"},"costInBBTable":true,"defaultLayout":"3x3 - Would recommend","defaultSortOption":"OurRatingHL","showAdvancedFilters":true,"sortOptions":["OurRatingHL","OurRatingLH","CostHL","CostLH","MostRecommended"],"title":"PENSION"},{"_key":"f1e4a7331ee6","_type":"bigBlockGroup","bigBlockItems":[{"_key":"0a742ae8095d","_type":"bigBlockItem","introPara":[{"_key":"a769429fe9bd","_type":"block","children":[{"_key":"7aaefadb19110","_type":"span","marks":[],"text":"A 'robo' adviser offers up ready-made portfolios and so costs include both admin and investment charges. A platform is for those who prefer to pick their own investments – the costs may look cheaper here as we only include the admin charges – the investment fees will typically add another £25 - £75 per £10,000 managed, depending on what you pick."}],"markDefs":[],"style":"small"}],"title":"Platform types"},{"_key":"f0bd87d08e23","_type":"bigBlockItem","introPara":[{"_key":"52f31b136c19","_type":"block","children":[{"_key":"39e2d3314ad30","_type":"span","marks":[],"text":"We try really hard to keep our consumer reviews genuine and representative. As a final step, an administrator checks every review before publishing. If you have any questions please contact us "},{"_key":"3e78ceb88765","_type":"span","marks":["365b504b238d"],"text":"here"},{"_key":"6eeff47258e3","_type":"span","marks":[],"text":" or send a letter to Boring Money Ltd, 10 Lower Thames Street, London, EC3R 6AF"}],"markDefs":[{"_key":"365b504b238d","_type":"internalLinkPick","reference":{"_ref":"b35cac1c-228a-4987-aeca-bb774b8e0e3c","_type":"reference"}}],"style":"small"}],"title":"Grubby behaviour"},{"_key":"5e47570f5a58","_type":"bigBlockItem","introPara":[{"_key":"503131610100","_type":"block","children":[{"_key":"c19aef290dfd0","_type":"span","marks":[],"text":"Most of our revenue comes from providing research and consultancy services the industry. As the costs of building our website grow, we have also started to activate “introducer revenues” for some of the provider sites you click through to. Look out for the colour orange on the site. This is us being as clear as we can be when anything on our pages has a commercial benefit to us, or is a sponsored arrangement. More info is available "},{"_key":"804ac227e4c3","_type":"span","marks":["2d4d0b4ec964"],"text":"here"},{"_key":"6b97208d030d","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"2d4d0b4ec964","_type":"internalLinkPick","reference":{"_ref":"cc735c68-c1b8-4987-acff-3931653c3639","_type":"reference"}}],"style":"small"}],"title":"How we make money"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":6,"styles":"Grey-Transparent","title":"DISCLAIMER","titleLineClamp":1},{"_key":"9d188520952d","_type":"widgetSelection","title":"BlackRock billboard","widgets":{"_ref":"0b6c12f9-b9a7-4429-895a-f1f34641efc1","_type":"reference"}}],"emailSignupWidgetButtonText":"COMPARE NOW","emailSignupWidgetParagraphText":"Enter your email to see which pension provider suits your needs.","emailSignupWidgetTitle":"COMPARE LEADING PENSION PROVIDERS","enableGatedContent":true,"excerpt":[{"_key":"e357bd258b9a","_type":"block","children":[{"_key":"966b50bc2a08","_type":"span","marks":[],"text":"We help you find the pension that suits your needs."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue background  - Text center - Faded","gatedContentBody":[{"_key":"9c72df1e0f8d","_type":"headerBlock","desktopImage":{"_type":"mainImage","asset":{"_ref":"image-1c9e17f9e1ac310e1f905cc8469505d180dc89ff-1920x300-png","_type":"reference"}},"mobileImage":{"_type":"mainImage","asset":{"_ref":"image-441ed3ae7688e0933785963407b76da965afbf8e-600x250-png","_type":"reference"}},"reference":{"_ref":"8f8d5255-8476-4e70-b08c-449f90bec96e","_type":"reference"},"tabletImage":{"_type":"mainImage","asset":{"_ref":"image-992169b86a78e1b24150fac4b672e040acedf8de-1280x300-png","_type":"reference"}}},{"_key":"2cf5e9384b9f","_type":"bestBuysTable","calculatorAssumptionsModel":{"_ref":"64a33903-4551-4a96-85e5-53a632623cf6","_type":"reference"},"defaultLayout":"3x3 - Would recommend","defaultSortOption":"OurRatingHL","loggedOutRowLimit":1,"loggedOutRowLimitMobile":3,"title":"PENSION"}],"publishedAt":"2021-10-14T14:05:11.125Z","slug":{"_type":"slug","current":"pensions"},"subfolder":{"_ref":"e2c56afc-1317-4057-9ff1-55614cb2fc68","_type":"reference"},"title":"Find the best Pension for you","id":"-2b8c781a-1e8c-5ae8-95dd-52b82d1e761b","children":[],"parent":null},"text":"START"}],"categories":[{"_id":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","_type":"category","_rev":"V9pcEhLmXMYJkeJp3rI1fG","_createdAt":"2021-04-27T09:40:11Z","_updatedAt":"2023-04-28T10:54:05Z","description":"Pension","title":"Pensions","id":"-bd79c084-c376-5d34-90c2-83e6ba75982d","children":[],"parent":null},{"_id":"da38ee48-4ccb-4632-aed4-fae6aeb77b8c","_type":"category","_rev":"zJP12asnR4Gp89NpzkwLnA","_createdAt":"2019-03-29T14:18:19Z","_updatedAt":"2024-09-16T08:34:19Z","description":"Personal Pension","title":"Pensions - Personal Pension","id":"-273280b1-e34d-5289-a244-39eb30f8e62d","children":[],"parent":null},{"_id":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"category","_rev":"WL47ZrgxNpp8wbh75H7FrV","_createdAt":"2024-05-31T10:43:39Z","_updatedAt":"2024-05-31T11:56:50Z","title":"Guide","id":"-42823ea2-5742-58ea-be27-557d9d35eea7","children":[],"parent":null},{"_id":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"category","_rev":"ut1xgBnP3A4eT38f4GG1nc","_createdAt":"2025-05-12T14:17:30Z","_updatedAt":"2025-05-12T14:18:09Z","description":"All guide pages related to investment products - e.g. ISA, SIPP.","title":"Product Guides","id":"-a04062f1-e275-5111-8bf4-7d78baef1207","children":[],"parent":null}],"excerpt":[{"_key":"d521965209f3","_type":"block","children":[{"_key":"88cba16c7576","_type":"span","marks":[],"text":"What is the Self Invested Personal Pension? How much should you be saving? Read Boring Money's no-nonsense guide here."}],"markDefs":[],"style":"normal"}],"linkMenu":[{"_id":"978a6c25-b2ab-4b98-9b65-f12f1943b545","_type":"pageAnchorMenu","_rev":"6NZ1sBKLivGOOg9y91bF63","_createdAt":"2021-07-21T09:17:31Z","_updatedAt":"2024-09-16T08:36:00Z","menuLinksTop":[{"_key":"0493fa9fcf00","_type":"pageAnchorMenuTop","reference":{"_ref":"179ec068-ad13-40b0-928d-ffd3ace5310d","_type":"reference"},"text":"The basics of personal pensions"},{"_key":"79b1e27f54af","_type":"pageAnchorMenuTop","reference":{"_ref":"7de5a6a1-6b2e-46a0-9d3b-6675e2bb485b","_type":"reference"},"text":"What is a personal pension?"},{"_key":"a8194c776c7c","_type":"pageAnchorMenuTop","reference":{"_ref":"4fb202b7-6246-4faa-b97d-bee6f208d1d1","_type":"reference"},"text":"Is a personal pension right for me?"},{"_key":"94b1b167a0fe","_type":"pageAnchorMenuTop","reference":{"_ref":"d5017282-7bc8-4433-bcd8-1bc15bc86641","_type":"reference"},"text":"How much can I pay into a personal pension?"},{"_key":"3c475eb9a036","_type":"pageAnchorMenuTop","reference":{"_ref":"e87611f7-5f1e-4039-8a16-99b71d40b0de","_type":"reference"},"text":"What can I put in my personal pension?"},{"_key":"c8d30af3cfe9","_type":"pageAnchorMenuTop","reference":{"_ref":"cbf710fc-0661-47c8-b9c5-b0c5315d37b1","_type":"reference"},"text":"How much does a personal pension cost?"},{"_key":"439f05deec2f","_type":"pageAnchorMenuTop","reference":{"_ref":"db41d03a-ca09-42cc-bb7e-ee782c820ab7","_type":"reference"},"text":"Choose a personal pension"}],"menuTitle":"In this guide","pageRef":"Personal Pension","id":"-836129cd-c19a-5665-af1b-843832bcddb4","children":[],"parent":null}],"mainImage":{"_type":"mainImage","alt":"Personal Pension (SIPP)","asset":{"_id":"image-cbd2d1cdd18def0fb12f1900af65930f3b6e2136-3840x2160-png","_type":"sanity.imageAsset","_rev":"3Wq67lOYe6sY0zlf1P0cVX","_createdAt":"2023-05-24T10:05:37Z","_updatedAt":"2023-05-24T10:05:37Z","assetId":"cbd2d1cdd18def0fb12f1900af65930f3b6e2136","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"McR.#-sp*0tPMw%LW=NHs9t6X-fkn4e.e-","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.7777777777777777,"height":2160,"width":3840},"hasAlpha":true,"isOpaque":true,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#7e561a","foreground":"#fff","population":0,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#724e18","foreground":"#fff","population":0.52,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#f4125e","foreground":"#fff","population":3.06,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#b3cec1","foreground":"#000","population":0.05,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#fc72ae","foreground":"#000","population":0.01,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#9e5c64","foreground":"#fff","population":0.06,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f4125e","foreground":"#fff","population":3.06,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"Private Pension.png","path":"images/k8qzcdw3/prod1503/cbd2d1cdd18def0fb12f1900af65930f3b6e2136-3840x2160.png","sha1hash":"cbd2d1cdd18def0fb12f1900af65930f3b6e2136","size":1883462,"uploadId":"NGRvkmFivXdXTA4oBuV3GSygR3zDOVQk","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/cbd2d1cdd18def0fb12f1900af65930f3b6e2136-3840x2160.png","filename":"Private Pension.png","width":3840,"height":2160,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/cbd2d1cdd18def0fb12f1900af65930f3b6e2136-3840x2160.png?rect=1200,0,1440,2160&w=%width%&h=%height%&q=80","id":"image-cbd2d1cdd18def0fb12f1900af65930f3b6e2136-3840x2160-png","children":[],"parent":null}},"pageBreadcrumb":{"_id":"9e007abe-6383-4877-8078-a2d14ab92452","_type":"breadcrumbCategory","_rev":"7amlMGVJDVDYqroznN5ijE","_createdAt":"2024-04-17T14:31:05Z","_updatedAt":"2024-04-17T14:31:05Z","breadcrumbList":[{"_key":"6c22238eb293","_type":"breadcrumbReference","linkReference":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"title":"Guides"},{"_key":"7fdb474446f5","_type":"breadcrumbReference","linkReference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"},"title":"SIPP"}],"breadcrumbName":"Self Invested Personal Pension","id":"-d733ced1-83bd-58a4-a4e3-7de27991e3ca","children":[],"parent":null},"publishedAt":"2024-09-16T08:36:07.692Z","slug":{"_type":"slug","current":"private-pension"},"subfolder":{"_id":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"folderCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2021-06-22T09:35:09Z","_updatedAt":"2021-06-22T09:35:09Z","folder":"/learn/investing-guides/product-guides/","id":"-57353ca1-a68f-5fa6-85ec-713254904371","children":[],"parent":null},"template":"SB-C","title":"SIPPs Made Simple: How to Invest for Retirement with More Control","widgets":[{"_id":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","_type":"widgetCategory","_rev":"BR99o6YSojcZSyho0ddTiG","_createdAt":"2022-02-08T10:46:03Z","_updatedAt":"2026-01-29T16:31:05Z","_system":{"base":{"id":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","rev":"LKwL9Eieq4kjX08UR6HnMb"}},"body":[{"_key":"2e4d45c3a794","_type":"block","children":[{"_key":"ee4d394b6131","_type":"span","marks":[],"text":"Best Buy Pension 2026"}],"markDefs":[],"style":"h4"},{"_key":"0e916e07dbc4","_type":"block","children":[{"_key":"1d00ec0d2241","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"bd724b1bef05","_type":"block","children":[{"_key":"1f8a9180d7ac","_type":"span","marks":[],"text":"Thinking of opening a pension? Discover the winners of our coveted Best Buy Pension award!"}],"markDefs":[],"style":"normal"}],"linkReference":{"_ref":"7201f011-a435-4c0c-9de5-9f52ce8935c1","_type":"reference"},"mainImage":{"_type":"mainImage","alt":"Best Buy Pension 2025","asset":{"_ref":"image-0cf9753fb7154e57d6a7dfe441545ab5d47fb560-1920x1080-png","_type":"reference"},"blankAltTag":true},"title":"Best Buy Pension 2026","widgetType":{"_ref":"669510d5-9577-4ce3-b9f5-17a73b44c59d","_type":"reference"},"id":"-3e939184-0020-5fce-99f6-f5f1c34d55cd","children":[],"parent":null},{"_id":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"widgetCategory","_rev":"5wclHNEBJHceCbZskLLIPm","_createdAt":"2021-08-12T07:26:18Z","_updatedAt":"2025-05-08T15:01:36Z","body":[{"_key":"12a52370b84b","_type":"block","children":[{"_key":"f4a96ffd5243","_type":"span","marks":[],"text":"Contact us"}],"markDefs":[],"style":"h4"},{"_key":"6d3da9cab9be","_type":"block","children":[{"_key":"9715d978a402","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"55646d37119f","_type":"block","children":[{"_key":"112420a491cc","_type":"span","marks":[],"text":"Have a question about money that we haven't answered? Need help making better money choices?"}],"markDefs":[],"style":"normal"},{"_key":"0695bd6571ef","_type":"block","children":[{"_key":"8289049851a9","_type":"span","marks":["strong"],"text":"Email our team today."}],"markDefs":[],"style":"normal"}],"linkReference":{"_ref":"789ad7dd-f1a8-4606-9075-20ecba5e0f6b","_type":"reference"},"mainImage":{"_type":"mainImage","alt":"Contact us","asset":{"_ref":"image-ab59f7e46f31eaa0dab6342e71531f9dcb202b4d-1920x1080-png","_type":"reference"},"blankAltTag":true},"title":"Contact us","widgetType":{"_ref":"669510d5-9577-4ce3-b9f5-17a73b44c59d","_type":"reference"},"id":"-6d2f3ccb-d3dc-58f8-8964-9fce73ffd590","children":[],"parent":null}],"id":"-a043db2d-5437-537b-b71e-eefcff2659fc","children":[],"parent":null}}],"style":"normal"},{"_key":"ab0c88526427","_type":"block","children":[{"_key":"3599dc3f77380","_type":"span","marks":[],"text":"At the heart of it all, our "},{"_key":"4addfcdd9689","_type":"span","marks":["675084894ea7"],"text":"Best Buy Awards "},{"_key":"e59bfbfa1eac","_type":"span","marks":[],"text":"are designed to champion the voice of the consumer and "},{"_key":"a6e118668ce3","_type":"span","marks":["strong"],"text":"help you make better, more informed choices about investing."}],"markDefs":[{"_key":"675084894ea7","_type":"internalLinkPick","blank":true,"reference":{"_id":"d59e0a0a-cd68-4fd0-86b0-36b376011dcb","_type":"landingPage","_rev":"4lXD1QprlKmqniOHbXpl0E","_createdAt":"2026-01-19T14:17:18Z","_updatedAt":"2026-03-02T08:49:21Z","MainImage":{"_type":"mainImage","asset":{"_id":"image-d8ead75d5bb23781a2d135de3474b45815b94d36-1920x1080-png","_type":"sanity.imageAsset","_rev":"3yUkCtfda5I95NWXKjbbng","_createdAt":"2026-01-28T17:13:14Z","_updatedAt":"2026-01-28T17:13:14Z","assetId":"d8ead75d5bb23781a2d135de3474b45815b94d36","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"MBQ08Z%0}[je.Q-Tnnj4a%S#?ZX4ScxZbF","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.7777777777777777,"height":1080,"width":1920},"hasAlpha":false,"isOpaque":true,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#353343","foreground":"#fff","population":4.8,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#91520c","foreground":"#fff","population":0.04,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#353343","foreground":"#fff","population":4.8,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#d9d5b6","foreground":"#000","population":1.8,"title":"#000"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#e3b799","foreground":"#000","population":1.29,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#a85f93","foreground":"#fff","population":1.74,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f46195","foreground":"#fff","population":0.73,"title":"#fff"}},"thumbHash":"NRgCBIL35uaHiIh9l3bcX52/eQ=="},"mimeType":"image/png","originalFilename":"BB JISA 2026 (1).png","path":"images/k8qzcdw3/prod1503/d8ead75d5bb23781a2d135de3474b45815b94d36-1920x1080.png","sha1hash":"d8ead75d5bb23781a2d135de3474b45815b94d36","size":693849,"uploadId":"MPpljnS3kPLLmNTLFUgjWemGq4aeBXCT","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/d8ead75d5bb23781a2d135de3474b45815b94d36-1920x1080.png","filename":"BB JISA 2026 (1).png","width":1920,"height":1080,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/d8ead75d5bb23781a2d135de3474b45815b94d36-1920x1080.png?rect=600,0,720,1080&w=%width%&h=%height%&q=80","id":"image-d8ead75d5bb23781a2d135de3474b45815b94d36-1920x1080-png","children":[],"parent":null},"blankAltTag":true},"_system":{"base":{"id":"d59e0a0a-cd68-4fd0-86b0-36b376011dcb","rev":"YjNvQx4tqfWKwO39EkAeqY"}},"brazeCustomAttributes":[{"_key":"52b78f20447e","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_BBawards2025","customAttributeValue":"https://www.boringmoney.co.uk/boring-money-awards-2025/"}],"content":[{"_key":"532aacaed780","_type":"breadcrumb","breadcrumbs":[{"_key":"41a90d918aec","_type":"breadcrumbReference","linkReference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"title":"Home"},{"_key":"170ee09e6b05","_type":"breadcrumbReference","linkReference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"title":"Compare Providers"},{"_key":"6cd5e5045a04","_type":"breadcrumbReference","linkReference":{"_ref":"d59e0a0a-cd68-4fd0-86b0-36b376011dcb","_type":"reference"},"title":"Boring Money Awards 2026"}]},{"_key":"5beb6f269b7d","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"4a0d8b812da0","_type":"block","children":[{"_key":"a544d22387d80","_type":"span","marks":[],"text":"The Boring Money Best Buy Awards 2026"}],"markDefs":[],"style":"h1"},{"_key":"48b827501d7e","_type":"block","children":[{"_key":"65065d8f15190","_type":"span","marks":[],"text":"We've been the independent voice cutting through the noise in UK investing for nine years. Through rigorous testing of live accounts, real conversations with providers, and insights from over 27,000 real investors, we spotlight the platforms that truly deliver. Our seal of approval carries weight across London's tubes, financial headlines, and boardrooms – because "},{"_key":"083b1416f7cd","_type":"span","marks":["strong"],"text":"when it comes to your money, excellence should never be boring."}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"211d238aa964","_type":"heroSection","alignment":"Text Right","introPara":[{"_key":"ffc7f0176d70","_type":"block","children":[{"_key":"d3864f4bca32","_type":"span","marks":[],"text":"Want more like this? Get Holly's weekly insights and plain English guides. Compare ISAs and pensions, track quarterly performance, calculate your retirement income, and ask our experts anything."}],"markDefs":[],"style":"normal"},{"_key":"348864c6e3d6","_type":"block","children":[{"_key":"73ed66b6a353","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"de5925df6fb1","_type":"block","children":[{"_key":"44846db4c444","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h4"}],"linkText":"SIGN UP ","reference":{"_id":"7673170b-a867-4a7c-95e9-998e1ebd6a29","_type":"landingPage","_rev":"VY6ZZmSkTVp25l0LCX2B9O","_createdAt":"2023-08-02T12:29:57Z","_updatedAt":"2023-08-02T12:30:18Z","publishedAt":"2023-08-01T12:22:00.000Z","slug":{"_type":"slug","current":"sign-up"},"subfolder":{"_ref":"83495465-d1dd-4049-a955-b065009036e6","_type":"reference"},"title":"Sign Up","id":"-bbfcf5ec-bbcb-54aa-8f63-32326f85509f","children":[],"parent":null},"showEmailCapture":false,"signupRedirectLink":"https://www.boringmoney.co.uk/sign-up","styles":"Half-Padding-White","thankYouText":[{"_key":"348864c6e3d6","_type":"block","children":[{"_key":"73ed66b6a353","_type":"span","marks":[],"text":"Thank you for joining the Boring Money community!"}],"markDefs":[],"style":"h4"}],"videoUrl":"https://vimeo.com/1159597812"},{"_key":"c13b7811af46","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"206a65f378ab","_type":"block","children":[{"_key":"8706b5ce4cc3","_type":"span","marks":[],"text":""},{"_key":"113e0315bdfa","_type":"mainAnchor","pageAnchor":{"_ref":"13ac0612-44c4-40a5-8c61-4c754d369d7b","_type":"reference"}},{"_key":"de6cb6123b22","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Anchor"},{"_key":"b820f333f7e6","_type":"bigBlockGroup","bigBlockItems":[{"_key":"f49c58243729","_type":"bigBlockItem","introPara":[{"_key":"01edf0252c4f","_type":"block","children":[{"_key":"bb911fd59dce","_type":"span","marks":[],"text":"The very best Stocks & Shares ISAs in the UK today for mainstream savers and investors."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-696d1a9f7f85c065083c1128c4eeb7cfbc9e50a5-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"5027ed98-4e53-4e94-8fc1-9d370b15dd5c","_type":"reference"},"title":"Best Buy ISA 2026"},{"_key":"12010eb95663","_type":"bigBlockItem","introPara":[{"_key":"f28628da7ae1","_type":"block","children":[{"_key":"b00e65f9cabb","_type":"span","marks":[],"text":"The best Pensions in the UK today for mainstream savers and investors."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best Buy Pension 2025","asset":{"_ref":"image-0cf9753fb7154e57d6a7dfe441545ab5d47fb560-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"7201f011-a435-4c0c-9de5-9f52ce8935c1","_type":"reference"},"title":"Best Buy Pension 2026"},{"_key":"0b88872a8827","_type":"bigBlockItem","introPara":[{"_key":"5eace0649759","_type":"block","children":[{"_key":"4083f7d8fdcd","_type":"span","marks":[],"text":"The best Stocks & Shares Lifetime ISAs in the UK today for those saving for retirement or their first property."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-96bf4d6ade36adf6b85ad5cd00f6071fd578652c-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"f19d87b4-1401-4194-861c-e296f293cd01","_type":"reference"},"title":"Best Buy LISA 2026"},{"_key":"e11d1bd055a5","_type":"bigBlockItem","introPara":[{"_key":"a1567ba3ef32","_type":"block","children":[{"_key":"edcc76d1d9b6","_type":"span","marks":[],"text":"The best Stocks & Shares Junior ISAs in the UK today for non-expert people saving for kids. "}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-7043b3e3d1c6395c8a3a59289ccff6cc18c42004-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"eb481fa3-abb2-495e-b75f-5c4ff4aee4ba","_type":"reference"},"title":"Best Buy JISA 2026"}],"equaliseHeight":true,"layout":"4x4","styles":"White","title":"Best buys isa pension lisa jisa","titleLineClamp":2},{"_key":"17b9996983dccf5ea8346bf7804b0c2d","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"98c9596df8f7","_type":"block","children":[{"_key":"27e5acb06881","_type":"span","marks":[],"text":"Boring Money Low-Cost Category Awards"}],"markDefs":[],"style":"h1"},{"_key":"1c11cd2ec8bd","_type":"block","children":[{"_key":"38b8ac7ea50a0","_type":"span","marks":[],"text":"Cost-effectiveness awards are granted based on platform charges and total investment costs across various portfolio sizes. Providers must offer mutual funds and direct share access, with evaluations focused purely on costs rather than customer feedback or feature testing."}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"1874c54df81a0af315ac78f03fc300f3","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2055d8357d7e","_type":"bigBlockItem","introPara":[{"_key":"4c9791eed227","_type":"block","children":[{"_key":"63f17c589ddc","_type":"span","marks":[],"text":"A pure cost comparison of platform fees and ready-made portfolios, without factoring in other criteria."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-49c822395ae1ef7bdefd40425b3b2e1494c5168e-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"e91598d9-23eb-40e6-a16c-48bd56cf5085","_type":"reference"},"title":"Best For Low-Cost ISA "},{"_key":"55a78cea0d48","_type":"bigBlockItem","introPara":[{"_key":"9476800d2c84","_type":"block","children":[{"_key":"7e01dc0e351b","_type":"span","marks":[],"text":"The lowest cost ISA providers in the UK for investors looking to"},{"_key":"1048b0313265","_type":"span","marks":["strong"],"text":" invest in funds and shares"},{"_key":"c08d60f5ff88","_type":"span","marks":[],"text":"."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best for Low-Cost ISA Funds and Shares","asset":{"_ref":"image-2521348fc762a66b72eec8eaf843fc526c300156-1920x1080-png","_type":"reference"}},"reference":{"_ref":"350c78f7-1c3a-4dbe-9326-af7ee33b0241","_type":"reference"},"title":"Best For Low-Cost ISA Funds and Shares"},{"_key":"379cdf2b24ce","_type":"bigBlockItem","introPara":[{"_key":"a88d7df1e68a","_type":"block","children":[{"_key":"f47e45f5aa36","_type":"span","marks":[],"text":""},{"_key":"dbc6f43afe87","_type":"mainAnchor","pageAnchor":{"_ref":"ba89e21a-2775-4127-84b4-80cc318ef4d8","_type":"reference"}},{"_key":"9a87a3c991b8","_type":"span","marks":[],"text":"The lowest cost Pensions in the UK for investors with "},{"_key":"fdfd3d44bdfc","_type":"span","marks":["strong"],"text":"less than"},{"_key":"8077226211b9","_type":"span","marks":[],"text":" £50,000 in their account."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best for Low-Cost Pension <£50k 2025","asset":{"_ref":"image-60ebabcffde6c5b58ec9ca98f2e6f94397372d6b-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"6b117d65-8d5f-4b41-ab76-72ad931731a5","_type":"reference"},"title":"Best For Low-Cost Pension <£50k 2026"},{"_key":"aa324bac8ec4","_type":"bigBlockItem","introPara":[{"_key":"b635358c7e07","_type":"block","children":[{"_key":"c61ee9c32387","_type":"span","marks":[],"text":"The lowest cost Pensions in the UK for investors with "},{"_key":"de6d5b104def","_type":"span","marks":["strong"],"text":"more than"},{"_key":"6e0a6b78de44","_type":"span","marks":[],"text":" £50,000 in their account."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-09871bcb1f707a72a915db1cc6393ceea8c05794-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"5d832fbc-0ae5-4b84-ba4f-34987cda454f","_type":"reference"},"title":"Best For Low-Cost Pension >£50k 2026"}],"equaliseHeight":true,"layout":"4x4","styles":"White","title":"Best buys los cost isa sipp ","titleLineClamp":2},{"_key":"45a87a28b7c090b0b0adc0ff59a6a9f0","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"98c9596df8f7","_type":"block","children":[{"_key":"27e5acb06881","_type":"span","marks":[],"text":"Boring Money Category Awards "}],"markDefs":[],"style":"h1"},{"_key":"96c7b52e6b10","_type":"block","children":[{"_key":"3ce48005ba320","_type":"span","marks":[],"text":"Six specialised awards recognise excellence across key investment categories: mobile app functionality, beginner-friendly platforms, share trading capabilities, customer service quality, research tools, and investment trust offerings. Each award focuses on specific criteria such as ease of use, customer support, platform features, and overall user experience in the UK investment market."}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"babe91a75f02a6d02751d990b11aa446","_type":"bigBlockGroup","bigBlockItems":[{"_key":"8ebdfdf87ca4","_type":"bigBlockItem","introPara":[{"_key":"8d02f63d9491","_type":"block","children":[{"_key":"7c201c0969d6","_type":"span","marks":[],"text":"The best, easy-to-use, informative, and functional investment apps in the UK today."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best Investment App 2024","asset":{"_ref":"image-a830f8b30a05621e65dfdbe37136e3d5155344e7-1920x1080-png","_type":"reference"}},"reference":{"_ref":"c52d4936-8968-48a4-aa7b-340d530c31f6","_type":"reference"},"title":"Best App 2026"},{"_key":"67e1a9c3f5ac","_type":"bigBlockItem","introPara":[{"_key":"1ebe96ad316a","_type":"block","children":[{"_key":"d3bdfea5de6b","_type":"span","marks":[],"text":"The best providers in the UK with information, support and guidance for those who want a helping hand."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-9e9e037291e7c4d4a8d8102836d2d98e8edc7b18-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"cf000c0d-da94-4dff-b155-cfa36df15849","_type":"reference"},"title":"Best For Customer Service 2026"},{"_key":"a567d1b76270","_type":"bigBlockItem","introPara":[{"_key":"cbda18b3db28","_type":"block","children":[{"_key":"4509f069c5db","_type":"span","marks":[],"text":"These providers offer the best experience and overall support for beginner investors in the UK today. "}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best for Beginners 2024","asset":{"_ref":"image-cc15723dc746c86fbeff94e81b37f3aae7e4a767-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"b5821c35-fa71-43c3-8f89-cc7b29ad9030","_type":"reference"},"title":"Best For Beginners 2026"},{"_key":"e2efb787cc5c","_type":"bigBlockItem","introPara":[{"_key":"63fd501e86ea","_type":"block","children":[{"_key":"98912c9de854","_type":"span","marks":[],"text":"The best trading platforms in the UK based on customer reviews, ease of use and our live account testing."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best for Share Traders","asset":{"_ref":"image-082bfe73df548742cebeaecdc775e2a160d8dec7-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"2d69df37-02bf-43eb-aed4-2624da81fbf6","_type":"reference"},"title":"Best For Share Traders 2026"},{"_key":"aed8c65fd17bc385c0e160ab5317ccb4","_type":"bigBlockItem","introPara":[{"_key":"b5e310ef72e6","_type":"block","children":[{"_key":"e137df6c62140","_type":"span","marks":[],"text":"The best providers in the UK for information, support, and guidance across phone channels, support online and web chat."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-4ca33baba496cb3024aecb04e0c69e98ce4613cc-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"e7545c7c-d8ef-466a-9584-d7defd1f3d92","_type":"reference"},"title":"Best For Investment Trusts 2026"},{"_key":"d60a2704e088382b12d71a3a4ac59397","_type":"bigBlockItem","introPara":[{"_key":"9126c7aa363f","_type":"block","children":[{"_key":"0497d2a46dc9","_type":"span","marks":[],"text":""},{"_key":"598948244938","_type":"mainAnchor","pageAnchor":{"_ref":"cfa94b67-b75a-4723-98e0-81fa96b3fcf6","_type":"reference"}},{"_key":"7b72b358e174","_type":"span","marks":[],"text":"The best providers in the UK for innovative features, portfolio analysis tools and range of investments. "}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-d87d9d4221c44155296ca39a17c9ec9b0b0e70b1-1920x1080-png","_type":"reference"}},"reference":{"_ref":"fd1265b0-5026-4289-bb17-5ff598f43003","_type":"reference"},"title":"Best For Investment Research 2026"},{"_key":"98807c96da42","_type":"bigBlockItem","introPara":[{"_key":"922fcee03f62","_type":"block","children":[{"_key":"f82d0fc72f31","_type":"span","marks":[],"text":"Winners demonstrated excellence in comprehensive testing of costs across scenarios, fee transparency, ETF selection breadth, analysis quality, intuitive user experience, and smooth dealing processes."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-1ad9f02d9619e9e82cd1bad7315e76e442be320f-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"dffe053f-7335-4f38-a152-f1bccfc5b618","_type":"reference"},"title":"Best For ETFs 2026"},{"_key":"26c4c34523bd","_type":"bigBlockItem","introPara":[{"_key":"8f4cb5a248d3","_type":"block","children":[{"_key":"814b758fbfc5","_type":"span","marks":[],"text":"Winners offer best low-cost advice for £50k-£150k investors, assessed on charges, support quality, advice scope, consideration of wider finances, eligibility requirements, and overall process ease."}],"markDefs":[],"style":"normal"},{"_key":"07115bdca23e","_type":"block","children":[{"_key":"b5ec27e53e8e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-2ab3902a9ebafe21e5a198de952f2e2668be08ee-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"782623f9-a18b-49d4-8ff6-7cfbf37d24ef","_type":"reference"},"title":"Best For Low Cost Advice 2026"},{"_key":"4d5f2608e49a1e2a0e4d62691ce42a43","_type":"bigBlockItem","introPara":[{"_key":"f50a24b21f71","_type":"block","children":[{"_key":"138d4e06d957","_type":"span","marks":[],"text":"Winners delivered strong 5-year performance across low, medium and high-risk portfolios (based on equity allocation), with medium and high-risk options weighted more heavily in scoring."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-7dab71093578109ae6231294d179aff1744d65dc-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"e238f4c3-5d0e-4f7c-addd-322c85555b73","_type":"reference"},"title":"Best For Ready - Made Solutions 2026"}],"equaliseHeight":true,"layout":"4x4","styles":"White","title":"Category app, beginners, share traders, cs, ir, it, rm, etfs","titleLineClamp":2},{"_key":"dbf4b5de2169","_type":"smallSpacerBlock","styles":"White","title":"s"},{"_key":"32ac24f1f3d3","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"2c34f012909c","_type":"block","children":[{"_key":"784fc1284387","_type":"span","marks":[],"text":""},{"_key":"6c62e2471282","_type":"mainAnchor","pageAnchor":{"_ref":"bdb805f3-efc6-4ee0-afa7-62c2d44316e1","_type":"reference"}},{"_key":"6d2c94d5d2e6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Judged awards"},{"_key":"2678c6143023","_type":"tabsTextboxBlock","equaliseTabHeights":true,"styles":"Blue","tabs":[{"_key":"837f833115d4","_type":"tabsTextboxItem","customTabText":[{"_key":"0a7368475fd9","_type":"block","children":[{"_key":"259400adf5be","_type":"span","marks":[],"text":"Boring Money Rated - Workplace Pensions"}],"markDefs":[],"style":"h4"},{"_key":"c72295df38d2","_type":"block","children":[{"_key":"8f7f9ea9866e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"image":{"_type":"mainImage","asset":{"_ref":"image-7f4d69c51c04014d86fbeb33e62434664ae4dacc-3201x3200-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","textParagraph":[{"_key":"6f80d10bab9d","_type":"block","children":[{"_key":"3085b5562edb","_type":"span","marks":["strong"],"text":"Looking for the best workplace pension provider? Our independent Boring Money Rated badge of recognition goes to "},{"_key":"434b743ebd37","_type":"span","marks":["strong","1a836c97fb5d"],"text":"Aviva"},{"_key":"022059c87097","_type":"span","marks":["strong"],"text":", Fidelity, "},{"_key":"e13ec2dd6a47","_type":"span","marks":["strong","6fede026805a"],"text":"Royal London"},{"_key":"9a88fa229211","_type":"span","marks":["strong"],"text":", and Scottish Widows."}],"markDefs":[{"_key":"1a836c97fb5d","_type":"internalLinkPick","reference":{"_ref":"dfed6c73-aa35-405f-8c23-c007b42bc180","_type":"reference"}},{"_key":"6fede026805a","_type":"internalLinkPick","blank":true,"reference":{"_ref":"49baad15-f7c6-4709-9329-9b19256dc0f4","_type":"reference"}}],"style":"normal"},{"_key":"7115b1d732e7","_type":"block","children":[{"_key":"8a1523fbf5d2","_type":"span","marks":[],"text":"These providers earned our badge of recognition through our rigorous four-pillar assessment system, combining independent expert evaluation with real customer feedback to identify the workplace pensions that truly deliver for members and employers."}],"markDefs":[],"style":"normal"}]},{"_key":"9a9904df8dd9","_type":"tabsTextboxItem","customTabText":[{"_key":"2ed3459b705c","_type":"block","children":[{"_key":"acc2eeb0d546","_type":"span","marks":[],"text":""},{"_key":"0e4121f4a450","_type":"mainAnchor","pageAnchor":{"_ref":"d38f27d8-2458-42bb-84f2-99b7c1f1e5c0","_type":"reference"}},{"_key":"c420aedbf8360","_type":"span","marks":[],"text":"Value For Money Award"}],"markDefs":[],"style":"h4"},{"_key":"4f7157ac071e","_type":"block","children":[{"_key":"3a3278df3bf10","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"fullSizeImage":{"_type":"mainImage","blankAltTag":false},"image":{"_type":"mainImage","asset":{"_ref":"image-186c5884d16e6af976472580e3bbd1e4cd202227-940x788-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","textParagraph":[{"_key":"971800712038","_type":"block","children":[{"_key":"c1e487a8f22d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"eaf78957902c","_type":"block","children":[{"_key":"7859c850d8af","_type":"span","marks":[],"text":"The winners of the Boring Money Value For Money Award 2026 are AJ Bell, Barclays Smart Investor, eToro, Freetrade, HSBC InvestDirect, interactive investor, J.P. Morgan Personal Investing, Lloyds Share Dealing, Moneybox, Monzo, NatWest Invest, PensionBee, Revolut, and Trading 212. These providers were selected entirely by real customers - over 27,000 investors rated their platforms for value for money throughout 2024, making this the only award decided by actual platform users, not analysts.\n"}],"markDefs":[],"style":"normal"},{"_key":"cf99b2710722","_type":"block","children":[{"_key":"73ac8c06a8a7","_type":"span","marks":["strong"],"text":"See the winners "},{"_key":"e5c3999900fd","_type":"span","marks":["aaf03d15ba19","strong"],"text":"here"},{"_key":"1953fffc243c","_type":"span","marks":["strong"],"text":"."}],"markDefs":[{"_key":"aaf03d15ba19","_type":"internalLinkPick","reference":{"_ref":"36b52c96-fecd-4690-b9eb-425132a031e4","_type":"reference"}}],"style":"normal"}]}]},{"_key":"5f2e74ef6578c744d7b566599dd8bb7d","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"95414b5c32a0","_type":"block","children":[{"_key":"50d62b660a5a","_type":"span","marks":[],"text":"How do we choose our winners?"}],"markDefs":[],"style":"h3"},{"_key":"caa226c4aba8","_type":"block","children":[{"_key":"49a089d80fae","_type":"span","marks":[],"text":"We scour the investment market using our 9 years' of experience, a combination of 40+ live accounts, 100s of hours of call centre testing, rigorous cost analysis from our team of in-house analysts, and over 27,000 real customer reviews to help you find the best home for your money. "},{"_key":"d6df569c7ea7","_type":"span","marks":["strong"],"text":"The result? A hand-picked selection of the very best investment providers on the market today."}],"markDefs":[],"style":"normal"},{"_key":"607ca39983f8","_type":"block","children":[{"_key":"6078ee38960e0","_type":"span","marks":[],"text":"‏‏‎ ‎"}],"markDefs":[],"style":"normal"}],"linkText":"OUR METHODOLOGY","reference":{"_id":"9e12dca7-1836-4410-acc1-6bc412092eaf","_type":"information","_rev":"LRF31LjMeR0tYSnPYH7fq6","_createdAt":"2021-07-16T11:32:13Z","_updatedAt":"2026-03-09T09:04:23Z","_system":{"base":{"id":"9e12dca7-1836-4410-acc1-6bc412092eaf","rev":"WEOGLuOwDm8wi7hKtzZVKE"}},"authors":[{"_key":"7134b2996712","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"body":[{"_key":"8849f71a0a17","_type":"block","children":[{"_key":"af3e0ddf216f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7b6284af91c0","_type":"block","children":[{"_key":"b73a809f4437","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"76c0c24ac3ae","_type":"block","children":[{"_key":"e5498c0507e0","_type":"span","marks":["strong"],"text":"Investors have a huge number of options when choosing where to invest and which products to buy. Our annual Best Buy Awards were established in 2018 to help them see the wood for the trees and choose the best home for their money."}],"markDefs":[],"style":"normal"},{"_key":"3d25988c578f","_type":"block","children":[{"_key":"f4b81add98710","_type":"span","marks":[],"text":"What are the Boring Money Best Buy Awards?"}],"markDefs":[],"style":"h2"},{"_key":"9f7d83260c4f","_type":"block","children":[{"_key":"aaa041cbbdab0","_type":"span","marks":[],"text":"For nine years, the "},{"_key":"5086d70ccebd","_type":"span","marks":["15fe5237dc1c"],"text":"Boring Money Best Buy Awards"},{"_key":"1973f311d3ec","_type":"span","marks":[],"text":" have been recognising the best investment providers in the UK.​"}],"markDefs":[{"_key":"15fe5237dc1c","_type":"internalLinkPick","reference":{"_ref":"f6da89af-f94e-4900-a721-74a59bfe90d3","_type":"reference"}}],"style":"normal"},{"_key":"c6ae0e24cce3","_type":"block","children":[{"_key":"0324624a5eed","_type":"span","marks":[],"text":"Our awards are the result of months of independent research, including 40+ live accounts, hours of call centre testing, rigorous cost analysis from our team of in-house analysts, and over 27,000 real customer reviews - all to determine the very best providers on the market."}],"markDefs":[],"style":"normal"},{"_key":"f531ebcb6169","_type":"block","children":[{"_key":"3bd7c4a0b7eb0","_type":"span","marks":[],"text":"​Featured in ads on the tube, on brand homepages and even in national press, our Best Buy Awards are recognised by the industry and investors alike as a badge of honour for the providers who win our hard-won seal of approval."}],"markDefs":[],"style":"normal"},{"_key":"7a5bc92c23f8","_type":"block","children":[{"_key":"41624787d8f1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"fa9a873dda73","_type":"block","children":[{"_key":"2d5c70e17dd8","_type":"span","marks":[],"text":"How do we choose our winners?"}],"markDefs":[],"style":"h2"},{"_key":"62b16da21b39","_type":"block","children":[{"_key":"19512b63adaa0","_type":"span","marks":[],"text":"The Boring Money Best Buy Awards take our in-house team of analysts over 3 months to research and collate to recognise all-round excellence."}],"markDefs":[],"style":"normal"},{"_key":"3bb60d440a88","_type":"block","children":[{"_key":"1800e520b7bc","_type":"span","marks":[],"text":"They are compiled using a range of criteria which we believe represent a comprehensive customer experience. These include:"}],"markDefs":[],"style":"normal"},{"_key":"4ef703d2ba3e","_type":"block","children":[{"_key":"802fc61ca144","_type":"span","marks":[],"text":"Over 31,000 customer reviews"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"035f04502b7c","_type":"block","children":[{"_key":"13761d1089520","_type":"span","marks":[],"text":"Website analysis and logged-in testing from our live test accounts"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"5ce63d6846e7","_type":"block","children":[{"_key":"c849dda2980d0","_type":"span","marks":[],"text":"Feature testing across a wide range of criteria"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a5bb01ceacab","_type":"block","children":[{"_key":"e3ee6404d98c","_type":"span","marks":[],"text":"Detailed cost analysis for different portfolio sizes and trading assumptions"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4e80a4a30026","_type":"block","children":[{"_key":"7ebac07a59e9","_type":"span","marks":[],"text":"Customer service testing for call centres and support"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e655e774ecb0","_type":"block","children":[{"_key":"d7def0403cdb","_type":"span","marks":[],"text":"The view of our Founder & CEO and investment expert, "},{"_key":"b35d7ce88e49","_type":"span","marks":["76ec4fd75c1a"],"text":"Holly Mackay"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"76ec4fd75c1a","_type":"internalLinkPick","reference":{"_ref":"6dff6a49-b6ac-46cf-abed-819cb7486e2d","_type":"reference"}}],"style":"normal"},{"_key":"f5c57eebd807","_type":"block","children":[{"_key":"b693d90cf7590","_type":"span","marks":[],"text":"Customer ratings on value, service, and website/app experience"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"9ece28d3178d","_type":"block","children":[{"_key":"23825eeff7b30","_type":"span","marks":[],"text":"Size and longevity of the platform in the market"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"3b98d2b018af","_type":"block","children":[{"_key":"b2b7d372f64b","_type":"span","marks":[],"text":"Explanation of components"}],"markDefs":[],"style":"h3"},{"_key":"17fd8f4fca57","_type":"block","children":[{"_key":"7b4fd56831eb","_type":"span","marks":["strong"],"text":"Front-end testing:"},{"_key":"75beb4a5bc70","_type":"span","marks":[],"text":" Multiple analysts from the BM team conduct a thorough review of the brand’s website as a prospective customer sees it, rating a provider on various metrics, including navigation, guidance, tools, clarity, and engagement."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ca80dfe39f19","_type":"block","children":[{"_key":"41607b83503e","_type":"span","marks":["strong"],"text":"Back-end testing"},{"_key":"894308278eb3","_type":"span","marks":[],"text":": This focuses on the logged-in experience and includes an assessment of how portfolio performance is presented to customers, ease of accessing key documents, and the analytical functionality each provider offers."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"fcf986bf54e7","_type":"block","children":[{"_key":"143ff5da3d54","_type":"span","marks":["strong"],"text":"Feature testing"},{"_key":"87e16e8054db","_type":"span","marks":[],"text":": BM analysts look at over 25 features that an ideal investment provider should have (determined by our research & consumer feedback) and assess each provider on this metric."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"414f43e45c31","_type":"block","children":[{"_key":"dd99fa344ae3","_type":"span","marks":["strong"],"text":"Holly Mackay's score"},{"_key":"516992a95435","_type":"span","marks":[],"text":": Our Founder & CEO, Holly Mackay, reviews every platform and gives a score from her perspective as a market-expert and primary test account holder."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"0c65cc7d748d","_type":"block","children":[{"_key":"266457bab690","_type":"span","marks":["strong"],"text":"Customer ratings"},{"_key":"5fbbd384d883","_type":"span","marks":[],"text":": Platform customers’ provider ratings for components of value, service, and website/app experience (as provided to us via our "},{"_key":"953e9b3bba28","_type":"span","marks":["163686d6bf2f"],"text":"Platform Investor Tracker"},{"_key":"0bf9a0cdaa8c","_type":"span","marks":[],"text":" surveys or directly via our provider review pages)."}],"level":1,"listItem":"bullet","markDefs":[{"_key":"163686d6bf2f","_type":"internalLinkPick","reference":{"_ref":"6b616fc9-bc9c-445f-a6ce-2466db319acb","_type":"reference"}}],"style":"normal"},{"_key":"684532f2d160","_type":"block","children":[{"_key":"0b5a5ed3eb10","_type":"span","marks":["strong"],"text":"Cost score"},{"_key":"e191ece00618","_type":"span","marks":[],"text":": BM analysts run through a series of cost scenarios with a range of inputs, factoring in various portfolio sizes and trading frequencies."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"fab1e99514ca","_type":"block","children":[{"_key":"a69065b268c8","_type":"span","marks":["strong"],"text":"Call centre analysis:"},{"_key":"6526acb70d14","_type":"span","marks":[],"text":" BM calls each provider multiple times and provides a score based on answer waiting times. These calls are conducted across multiple days and are evenly spread throughout the day. BM also assesses the opening hours for the call centres of each provider."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"3f5c6dbccf32","_type":"block","children":[{"_key":"55b82791b57b","_type":"span","marks":["strong"],"text":"Investment range"},{"_key":"8e4748e82fc7","_type":"span","marks":[],"text":": BM assesses the range of investment types offered by each provider, covering funds, "},{"_key":"f96a37bc4c96","_type":"span","marks":["c600ead37aa3"],"text":"shares"},{"_key":"b4212e4ea8ec","_type":"span","marks":[],"text":", "},{"_key":"6ae344d88de2","_type":"span","marks":["89bb400063ce"],"text":"ETFs,"},{"_key":"e2ae4020ea33","_type":"span","marks":[],"text":" "},{"_key":"89b12d0fa0d8","_type":"span","marks":["3eb7f7cb5053"],"text":"Investment Trusts"},{"_key":"ed5876d4672c","_type":"span","marks":[],"text":", and "},{"_key":"f3dff003f305","_type":"span","marks":["7d928237d24b"],"text":"Ready-Made Solutions"},{"_key":"f9327175b1a0","_type":"span","marks":[],"text":"."}],"level":1,"listItem":"bullet","markDefs":[{"_key":"c600ead37aa3","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}},{"_key":"89bb400063ce","_type":"internalLinkPick","reference":{"_ref":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"reference"}},{"_key":"3eb7f7cb5053","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}},{"_key":"7d928237d24b","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"c052c0badb76","_type":"block","children":[{"_key":"639dc910ee82","_type":"span","marks":["strong"],"text":"Size and longevity"},{"_key":"b26fddcd34d2","_type":"span","marks":[],"text":": BM determines a score for each provider based on the size and longevity of the provider in the market."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"82ea9c57a0b3","_type":"block","children":[{"_key":"dae6339641320","_type":"span","marks":[],"text":"Providers need at least 100 reviews to be awarded a Best Buy in this category."}],"markDefs":[],"style":"normal"},{"_key":"4696cc441326","_type":"block","children":[{"_key":"b2b7d372f64b","_type":"span","marks":[],"text":"Our rating criteria illustrated"}],"markDefs":[],"style":"h3"},{"_key":"1b890033816e","_type":"block","children":[{"_key":"dd9dc63bf077","_type":"span","marks":[],"text":"The image below illustrates how the different criteria are used in different weightings to judge the winners of our Best Buy Awards."}],"markDefs":[],"style":"normal"},{"_key":"a8627c533e08","_type":"frameWidget","href":"https://www.canva.com/design/DAG_DYGm8XE/XMls6ZnXhjzX3OBhAFhSNg/view?embed"},{"_key":"a301cdbd3ff3","_type":"block","children":[{"_key":"7dae57730a26","_type":"span","marks":[],"text":"Additional rating criteria by category"}],"markDefs":[],"style":"h3"},{"_key":"15410b25792b","_type":"block","children":[{"_key":"42f37632c1b50","_type":"span","marks":[],"text":"Our Best Buy awards are judged with relevant criteria that differ based on the wrapper and award. Some of the adjustments and specific factors we've considered for our awards can be found below:"}],"markDefs":[],"style":"normal"},{"_key":"78f9e8a3c88b","_type":"block","children":[{"_key":"e7b76e1f23ba","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"13877b882cd5","_type":"dropdownWidget","items":[{"_key":"a053f51561bf","_type":"dropdownObject","text":[{"_key":"a3b0969c3af6","_type":"block","children":[{"_key":"17cb5ea257390","_type":"span","marks":[],"text":"Detailed cost analysis that covers over 20 scenarios across 7 different portfolio sizes, ranging from £1,000 - £300,000. Scenarios include share trading analysis, funds, and ready-made investment solutions"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"82ea9c57a0b3","_type":"block","children":[{"_key":"dae6339641320","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Best Buy ISA"},{"_key":"84b2ebe4c843","_type":"dropdownObject","text":[{"_key":"4768c0d44b66","_type":"block","children":[{"_key":"ed1ae3becc86","_type":"span","marks":[],"text":"Cost scenarios were based on larger portfolios as average pension pots are larger than ISAs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"991922822dbe","_type":"block","children":[{"_key":"67cf2345ef40","_type":"span","marks":[],"text":"Detailed cost analysis that covers 18 scenarios across 9 different portfolio sizes, ranging from £1,000 - £750,000. Scenarios include platform administration charges and an all-in cost of investing with a ready-made investment option"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"9146ca3c6db0","_type":"block","children":[{"_key":"c3230eda75980","_type":"span","marks":[],"text":"Other factors considered included drawdown capability, the presence of any additional pension charges, consolidation functionality and support, as well as plan/wrapper administration."}],"markDefs":[],"style":"normal"}],"title":"Best Buy Pension"},{"_key":"dc37fdcb98dd","_type":"dropdownObject","text":[{"_key":"bf3ba3353b8d","_type":"block","children":[{"_key":"d94d5a193f92","_type":"span","marks":[],"text":"Detailed cost analysis that covers 14 scenarios across 7 different portfolio sizes, ranging from £1,000 to £300,000. Scenarios include platform administration charges and an all-in cost of investing with a ready-made investment option. Guidance and information for less experienced investors was also considered."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e7fc632958c9","_type":"block","children":[{"_key":"2d25a05f7d94","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4038ada56bd9","_type":"block","children":[{"_key":"d8a84f11833d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Best Buy LISA"},{"_key":"816689185e63","_type":"dropdownObject","text":[{"_key":"e49c97d45e47","_type":"block","children":[{"_key":"6339c57202d40","_type":"span","marks":[],"text":"Detailed cost analysis that covers 12 scenarios across 6 different portfolio sizes, ranging from £1,000 - £100,000. Scenarios include platform administration charges and an all-in cost of investing with a ready-made investment option"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"5543fd773ce8","_type":"block","children":[{"_key":"f6c08abd65f40","_type":"span","marks":[],"text":"We also incorporate a custom JISA score, which is based on factors like:"}],"markDefs":[],"style":"normal"},{"_key":"f97b04d1c750","_type":"block","children":[{"_key":"42bc295fa612","_type":"span","marks":[],"text":"Streamlined account management​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"becf25fb9463","_type":"block","children":[{"_key":"c864219a3dd8","_type":"span","marks":[],"text":"Ease of gifting​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"549282319716","_type":"block","children":[{"_key":"5df79854f741","_type":"span","marks":[],"text":"Non-guardian contributions​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"9eb59403ff12","_type":"block","children":[{"_key":"02d986843c7f","_type":"span","marks":[],"text":"Guidance and information support"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"title":"Best Buy JISA"},{"_key":"fb09b8ccecdf","_type":"dropdownObject","text":[{"_key":"413672a96a65","_type":"block","children":[{"_key":"183a8ea6714d0","_type":"span","marks":[],"text":"Factors considered include subjective Boring Money UX testing, feature analysis, App Store/Google Play reviews, and scores from customer reviews on app experience across 2025."}],"markDefs":[],"style":"normal"}],"title":"Best App"},{"_key":"a12c3aff19ec","_type":"dropdownObject","text":[{"_key":"3b57abee7b9d","_type":"block","children":[{"_key":"ada6deba06f70","_type":"span","marks":[],"text":"Website, app and feature testing with a focus on beginner needs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"20e8ee6e19e5","_type":"block","children":[{"_key":"f0da52cb35970","_type":"span","marks":[],"text":"Detailed cost analysis that covers 10 scenarios across 5 different portfolio sizes, ranging from £1,000 - £50,000. Scenarios include platform administration charges and an all-in cost of investing with a ready-made investment option"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a43bf0318157","_type":"block","children":[{"_key":"009da26a8747","_type":"span","marks":[],"text":"Increased weighting on guidance and UX"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"084c0ef57a4f","_type":"block","children":[{"_key":"4cdc4f6f6c230","_type":"span","marks":[],"text":"Minimum investment sizes and onboarding journeys factored into the process."}],"markDefs":[],"style":"normal"}],"title":"Best For Beginners"},{"_key":"f72407470f8b","_type":"dropdownObject","text":[{"_key":"25e6afcc3b65","_type":"block","children":[{"_key":"b7b245ee1eb30","_type":"span","marks":[],"text":"This award is more subjective and does not formally incorporate customer reviews.​ We looked to recognise those platforms which combine features and charges to offer a compelling platform for share traders. ​"}],"markDefs":[],"style":"normal"},{"_key":"527b046edc44","_type":"block","children":[{"_key":"ebfaeb2c1469","_type":"span","marks":[],"text":"Boring Money researchers reviewed features and functionality with a focus on share trading. ​7 different portfolios were assessed for costs, across different sizes and trading patterns. The costs were modelled on listed securities only. ​"}],"markDefs":[],"style":"normal"},{"_key":"13c5b83b4e69","_type":"block","children":[{"_key":"98722cdfed8e","_type":"span","marks":[],"text":"We also considered:​"}],"markDefs":[],"style":"normal"},{"_key":"b718fb92e7fa","_type":"block","children":[{"_key":"3dee4ce205d00","_type":"span","marks":[],"text":"Dealing fees​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"fd7689a6f4e2","_type":"block","children":[{"_key":"c16e97c792a70","_type":"span","marks":[],"text":"Choice and range of listed securities available ​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8375d4489f66","_type":"block","children":[{"_key":"4bb4b160fa6c0","_type":"span","marks":[],"text":"Access to international markets​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"df470ed833f6","_type":"block","children":[{"_key":"fcd75735eff40","_type":"span","marks":[],"text":"Analysis tools available on specific shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f9ecbf7b3dd4","_type":"block","children":[{"_key":"fcd75735eff40","_type":"span","marks":[],"text":"Share-based content"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"44123be5fbcf","_type":"block","children":[{"_key":"fcd75735eff40","_type":"span","marks":[],"text":"Clarity and distinction between shares and CFDs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"title":"Best for Share Traders"},{"_key":"736dccaafd3d","_type":"dropdownObject","text":[{"_key":"2bfa66761c8e","_type":"block","children":[{"_key":"595ac902d33b0","_type":"span","marks":[],"text":"This award is assessed with several factors which include input and scores from thousands of customers, as well as in-house research by Boring Money, including:"}],"markDefs":[],"style":"normal"},{"_key":"b0d6f7424865","_type":"block","children":[{"_key":"b689d825672a0","_type":"span","marks":[],"text":"Scores from 20,000 users about their last interaction with their platform ​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"17ad694df5a2","_type":"block","children":[{"_key":"0dd89441f5be0","_type":"span","marks":[],"text":"9 calls to each provider at different times and on different days ​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c40a9a6c4caf","_type":"block","children":[{"_key":"b054cf7c2f7b0","_type":"span","marks":[],"text":"Call centre answer & opening times​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"fad552dd198d","_type":"block","children":[{"_key":"51887e3201780","_type":"span","marks":[],"text":"Customer ratings on service"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"67b566f661cb","_type":"block","children":[{"_key":"0833cca10be90","_type":"span","marks":[],"text":"Customer recommendation scores​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b9f50ba36973","_type":"block","children":[{"_key":"3a4b9e3511ef0","_type":"span","marks":[],"text":"Feature analysis including webchat, FAQ sections & secure messaging functionality"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"title":"Best For Customer Service"},{"_key":"c1c828a3bb2c37d464cd5507b2e15739","_type":"dropdownObject","text":[{"_key":"11192bde06cf","_type":"block","children":[{"_key":"2143ff29d9fc0","_type":"span","marks":[],"text":"Price, range, investment-specific research, shortlists, proxy voting capabilities, filtering tools, and front/back-end detail were all considered, amongst other factors."}],"markDefs":[],"style":"normal"}],"title":"Best For Investment Trusts"},{"_key":"9503225f23c1cb914f80535fc78b21ae","_type":"dropdownObject","text":[{"_key":"17f721a2d5db","_type":"block","children":[{"_key":"ab32a8c8b3720","_type":"span","marks":[],"text":"Feature testing, investment analysis and tools functionality, quality and range of content, breadth and detail of market updates, innovative features, and back-end research capabilities were all considered, amongst other factors."}],"markDefs":[],"style":"normal"}],"title":"Best For Investment Research"},{"_key":"1d8d8dc97991","_type":"dropdownObject","text":[{"_key":"cc680e4029a7","_type":"block","children":[{"_key":"ae0f8ccb0a150","_type":"span","marks":[],"text":"This award is purely focused on cost and does not factor in customer reviews or feedback, nor Boring Money feature testing.​"}],"markDefs":[],"style":"normal"},{"_key":"f7afc1eaeeba","_type":"block","children":[{"_key":"64e558e2cac80","_type":"span","marks":[],"text":"Different portfolios were assessed across a variety of sizes, taking into account both platform charges and the total cost of investing in a ready-made solution."}],"markDefs":[],"style":"normal"},{"_key":"dbc0eddb7ef7","_type":"block","children":[{"_key":"b96c037978130","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Best For Low-Cost ISA "},{"_key":"cef64aaa9bb4","_type":"dropdownObject","text":[{"_key":"c8d1e2fc7411","_type":"block","children":[{"_key":"f362cf0e822a0","_type":"span","marks":[],"text":"This award is purely focused on cost and does not factor in customer reviews or feedback, nor Boring Money feature testing."}],"markDefs":[],"style":"normal"},{"_key":"2dd938fa5d9e","_type":"block","children":[{"_key":"1e763e9e10590","_type":"span","marks":[],"text":"Different portfolios were assessed across a variety of sizes, taking into account platform charges on portfolios invested in funds and shares."}],"markDefs":[],"style":"normal"},{"_key":"6c14948bd791","_type":"block","children":[{"_key":"a00659af663c0","_type":"span","marks":[],"text":"Providers included must offer a decent range of mutual funds and direct access to shares."}],"markDefs":[],"style":"normal"}],"title":"Best For Low-Cost ISA - Funds and Shares"},{"_key":"d8b78a940ebd","_type":"dropdownObject","text":[{"_key":"ecf05a3b3c0b","_type":"block","children":[{"_key":"118e17d232810","_type":"span","marks":[],"text":"This award is purely focused on cost and does not factor in customer reviews or feedback, nor Boring Money feature testing.​"}],"markDefs":[],"style":"normal"},{"_key":"d781ba83f5b1","_type":"block","children":[{"_key":"b2e0b3522dcd","_type":"span","marks":[],"text":"Portfolios were assessed across a variety of sizes under the £50k threshold, taking into account both platform charges and the total cost of investing in a ready-made solution."}],"markDefs":[],"style":"normal"},{"_key":"9d274133c64b","_type":"block","children":[{"_key":"65dbe6931d12","_type":"span","marks":[],"text":"Scores are weighted to reflect the primary offering of the platform, with greater emphasis placed on administration charges or ready-made solutions, depending on the platform."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"}],"title":"Best For Low-Cost Pension <£50k"},{"_key":"86564a6ba88c","_type":"dropdownObject","text":[{"_key":"07fc0a0f4d19","_type":"block","children":[{"_key":"d92687d380e40","_type":"span","marks":[],"text":"This award is purely focused on cost and does not factor in customer reviews or feedback, nor Boring Money feature testing.​"}],"markDefs":[],"style":"normal"},{"_key":"2a10c4912c11","_type":"block","children":[{"_key":"05555ed5aae8","_type":"span","marks":[],"text":"Different portfolios were assessed across a variety of sizes, taking into account both platform charges and the total cost of investing in a ready-made solution. We modelled costs for:​"}],"markDefs":[],"style":"normal"},{"_key":"2531eb08b7e6","_type":"block","children":[{"_key":"aca763aef94d0","_type":"span","marks":[],"text":"£50,000​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f360591ddc18","_type":"block","children":[{"_key":"1caefb5390a80","_type":"span","marks":[],"text":"£100,000​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c240d369545d","_type":"block","children":[{"_key":"225404d3015d0","_type":"span","marks":[],"text":"£250,000​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"bd5f4ba22a94","_type":"block","children":[{"_key":"88f9120c6b800","_type":"span","marks":[],"text":"£500,000​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"5024ac5d0532","_type":"block","children":[{"_key":"1a381dd072bf0","_type":"span","marks":[],"text":"£750,000​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ce82867fd171","_type":"block","children":[{"_key":"3d56a2835aae0","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"}],"title":"Best For Low-Cost Pension >£50k"},{"_key":"3de7a1bc89ba","_type":"dropdownObject","text":[{"_key":"530ec3758d0e","_type":"block","children":[{"_key":"ae73e83c2cf7","_type":"span","marks":[],"text":"We selected the best options for low-cost advice and planning, focused on people with between £50k and £150k of investable assets. "}],"markDefs":[],"style":"normal"},{"_key":"1511e5cd86d5","_type":"block","children":[{"_key":"ae73e83c2cf7","_type":"span","marks":[],"text":"We considered charges, fee structure, the level of support received by customers, the range of issues that support and advice could be provided on, the quality of help offered to customers, the usefulness of recommendations, whether or not the wider financial situation was factored into the process, eligibility to use the service, and overall ease of process."}],"markDefs":[],"style":"normal"}],"title":"Best for Low-Cost Advice "},{"_key":"ee4670c97d24","_type":"dropdownObject","text":[{"_key":"b9fb8d0cc940","_type":"block","children":[{"_key":"8e9417080302","_type":"span","marks":[],"text":"Considerations include costs across a range of scenarios, fee structure, range of options, quality of content, investment specific analysis, user experience, and an assessment of the purchasing journey, amongst other factors."}],"markDefs":[],"style":"normal"}],"title":"Best for ETFs"},{"_key":"0cb61b450645","_type":"dropdownObject","text":[{"_key":"7ffdadcdb77b","_type":"block","children":[{"_key":"0ad5b8f964be","_type":"span","marks":[],"text":"To calculate this award, Boring Money have assessed the following factors:"}],"markDefs":[],"style":"normal"},{"_key":"dd399af96b53","_type":"block","children":[{"_key":"6902687d86aa","_type":"span","marks":[],"text":"5-year performance to the end of 2025"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"95ac76df940d","_type":"block","children":[{"_key":"602389dbdd63","_type":"span","marks":[],"text":"Boring Money assessed 3 portfolios per provider, choosing a low risk, medium risk, and high risk option, based on equity allocation, from a range of portfolios offered by the provider"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d458916a3c41","_type":"block","children":[{"_key":"9fbd34e3fca5","_type":"span","marks":[],"text":"High and medium risk solutions had a greater contribution to the performance score than the low risk solution"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"title":"Best for Ready-Made Solutions"},{"_key":"e44b7bda4186","_type":"dropdownObject","text":[{"_key":"12123bf5cc58","_type":"block","children":[{"_key":"ecdfd3790fbf0","_type":"span","marks":[],"text":"The"},{"_key":"ecdfd3790fbf1","_type":"span","marks":["strong"],"text":" "},{"_key":"371451c5dbcf","_type":"span","marks":[],"text":"Value For Money category relies entirely on the customer perspective, acknowledging the complex and subjective nature of value. This award is voted by platform users and is not scored or judged by Boring Money. Throughout 2024, we collected a rating from 11,266 platform customers who were asked to score the platform they used for Value For Money out of 10."}],"markDefs":[],"style":"normal"}],"title":"Value For Money Award"},{"_key":"8b2f406e15b0","_type":"dropdownObject","text":[{"_key":"b0ab7ac6db59","_type":"block","children":[{"_key":"4bfe0d3cfc42","_type":"span","marks":[],"text":"Boring Money evaluates workplace pension providers using a balanced four-pillar rating system: Customer Reviews (we examine feedback from Google, Trustpilot, and our own platform to gauge real user satisfaction), Service Quality (we test apps, customer support, and complaint handling firsthand), Performance (we analyse 1, 3 and 5-year investment returns compared to market quartiles), and Fees & Charges (we calculate total costs including hidden fees against market benchmarks). We also look at longevity and corporate backing to ensure we are working with solid, established businesses. "}],"markDefs":[],"style":"normal"},{"_key":"d490bcc50adc","_type":"block","children":[{"_key":"2da61fab9622","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ba84326e904a","_type":"block","children":[{"_key":"650005cdca81","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Boring Money Rated - Workplace Pensions"}]},{"_key":"248f2e36b548","_type":"block","children":[{"_key":"775c90d47d5e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8dc5bee1e6d3","_type":"block","children":[{"_key":"34039b6df24e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c78fda587d88","_type":"block","children":[{"_key":"09f3d16f94a2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"06ec478a088f","_type":"block","children":[{"_key":"27466e06e06d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"categories":[{"_key":"5d701be005db","_ref":"bb11e79a-953f-4735-9106-15c3396ed2c5","_type":"reference"}],"excerpt":[{"_key":"56a779e316ae","_type":"block","children":[{"_key":"8a578e2cb2190","_type":"span","marks":[],"text":"Discover how Boring Money's Best Buy Awards help investors choose the best UK investment providers. Based on extensive research, including 40+ live accounts, customer reviews, and cost analysis across ISAs, pensions, LISAs, and JISAs."}],"markDefs":[],"style":"normal"}],"hideRelatedContent":true,"noIndex":false,"pageBreadcrumb":{"_ref":"3f22777a-cbb1-41b5-a915-620b30175c6b","_type":"reference"},"publishedAt":"2025-02-04T10:21:00.000Z","slug":{"_type":"slug","current":"how-our-ratings-work"},"subfolder":{"_ref":"83495465-d1dd-4049-a955-b065009036e6","_type":"reference"},"template":"C-SB","theme":"Boring Money theme","title":"Our methodology","widgets":[{"_key":"57938a757358","_ref":"3fefd2ec-9177-427c-9149-529cd1417d24","_type":"reference"},{"_key":"5d733fbba33c","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"}],"id":"-60dfb237-fbd9-55d1-8cd0-23c1852570c1","children":[],"parent":null},"styles":"White"}],"emailSignupWidgetButtonText":"JOIN US","emailSignupWidgetParagraphText":"Winners 2025: The UK's top investment providers revealed!\n\n\n\n\n\n","enableGatedContent":false,"excerpt":[{"_key":"1b3e4946a28c","_type":"block","children":[{"_key":"7ee2f6e868600","_type":"span","marks":[],"text":"Explore the top investment providers of 2026 with Boring Money's Best Buy Awards. Our expert reviews and real customer feedback help you make informed investment decisions across all types of investments."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue background  - Text center - Slide up from bottom of page","gatedContentBody":[{"_key":"b4a916d8c413","_type":"heroSection","alignment":"Text Right","brazeCustomAttributes":[{"_key":"d4a0b2b3abe7","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_BBawards2025","customAttributeValue":"SIGNUPPAGE_BM_BBawards2025"}],"introPara":[{"_key":"0b57ad5bf6e9","_type":"block","children":[{"_key":"596844fa6f28","_type":"span","marks":[],"text":"How we choose the UK's best investment providers:"}],"markDefs":[],"style":"h1"},{"_key":"a1859fb62aae","_type":"block","children":[{"_key":"2c54bc15c6bf","_type":"span","marks":[],"text":"Is your investment provider truly giving you the best value? With fees potentially eating thousands from your investment returns and savings, choosing the right platform matters more than ever."}],"markDefs":[],"style":"normal"},{"_key":"892526ff0644","_type":"block","children":[{"_key":"c6d8ef30bde9","_type":"span","marks":[],"text":"Our 2025 Best Buy Awards cut through the noise to reveal which UK providers "},{"_key":"34f25c250535","_type":"span","marks":["em"],"text":"actually"},{"_key":"137a910faf1b","_type":"span","marks":[],"text":" deliver the best experience for investors like you. "}],"markDefs":[],"style":"normal"},{"_key":"5c01f4d7df5d","_type":"block","children":[{"_key":"c722ab57834a","_type":"span","marks":[],"text":"Based on over 22,000 customer reviews and months of rigorous testing, here's how we identify the companies worth your money."}],"markDefs":[],"style":"normal"},{"_key":"82fb57fcc67c","_type":"block","children":[{"_key":"1f17b81fca2e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-d3f9efb1ce23be27e62043346c09f68519c5a2c3-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_id":"f6da89af-f94e-4900-a721-74a59bfe90d3","_type":"landingPage","_rev":"ZvcBn74KyFWSpPUCs2qYPb","_createdAt":"2025-01-24T16:03:41Z","_updatedAt":"2025-02-28T09:54:25Z","brazeCustomAttributes":[{"_key":"52b78f20447e","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_BBawards2025","customAttributeValue":"https://www.boringmoney.co.uk/boring-money-awards-2025/"}],"content":[{"_key":"532aacaed780","_type":"breadcrumb","breadcrumbs":[{"_key":"41a90d918aec","_type":"breadcrumbReference","linkReference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"title":"Home"},{"_key":"170ee09e6b05","_type":"breadcrumbReference","linkReference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"title":"Compare Providers"},{"_key":"6cd5e5045a04","_type":"breadcrumbReference","linkReference":{"_ref":"f6da89af-f94e-4900-a721-74a59bfe90d3","_type":"reference"},"title":"Boring Money Awards 2025"}]},{"_key":"5beb6f269b7d","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"4a0d8b812da0","_type":"block","children":[{"_key":"a544d22387d80","_type":"span","marks":[],"text":"The Boring Money Best Buy Awards 2025"}],"markDefs":[],"style":"h1"},{"_key":"48b827501d7e","_type":"block","children":[{"_key":"65065d8f15190","_type":"span","marks":[],"text":"We've been the independent voice cutting through the noise in UK investing for eight years. Through rigorous testing of live accounts, real conversations with providers, and insights from over 22,000 real investors, we spotlight the platforms that truly deliver. Our seal of approval carries weight across London's tubes, financial headlines, and boardrooms – because "},{"_key":"083b1416f7cd","_type":"span","marks":["strong"],"text":"when it comes to your money, excellence should never be boring."}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"c13b7811af46","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"8ab7ef1730e8","_type":"block","children":[{"_key":"3027d1933156","_type":"span","marks":[],"text":""},{"_key":"83739b39ca72","_type":"mainAnchor","pageAnchor":{"_ref":"1b2aeaad-c98a-4863-acf8-769f3c9f93ed","_type":"reference"}},{"_key":"6b520f2240ff","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Anchor"},{"_key":"b820f333f7e6","_type":"bigBlockGroup","bigBlockItems":[{"_key":"f49c58243729","_type":"bigBlockItem","introPara":[{"_key":"01edf0252c4f","_type":"block","children":[{"_key":"bb911fd59dce","_type":"span","marks":[],"text":"The very best Stocks & Shares ISAs in the UK today for mainstream savers and investors."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best Buy ISA 2024","asset":{"_ref":"image-d3f9efb1ce23be27e62043346c09f68519c5a2c3-1920x1080-png","_type":"reference"}},"reference":{"_ref":"2ad629d9-20cb-4c7a-baa9-ff52494a3b0d","_type":"reference"},"title":"Best Buy ISA 2025"},{"_key":"12010eb95663","_type":"bigBlockItem","introPara":[{"_key":"f28628da7ae1","_type":"block","children":[{"_key":"b00e65f9cabb","_type":"span","marks":[],"text":"The best Pensions in the UK today for mainstream savers and investors."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best Buy Pension 2025","asset":{"_ref":"image-a594580903198a7b933c88ce17d54f45f2be88b0-800x450-jpg","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"41b7c255-2a4e-415c-bc4e-74bc27a97f1e","_type":"reference"},"title":"Best Buy Pension 2025"},{"_key":"0b88872a8827","_type":"bigBlockItem","introPara":[{"_key":"5eace0649759","_type":"block","children":[{"_key":"4083f7d8fdcd","_type":"span","marks":[],"text":"The best Stocks & Shares Lifetime ISAs in the UK today for those saving for retirement or their first property."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best Buy LISA 2024","asset":{"_ref":"image-3f119bfe34b9266ce0f08b6a9d87a6a8a06229bc-1920x1080-png","_type":"reference"}},"reference":{"_ref":"7751737d-084c-4a55-9046-e35ea8792d3c","_type":"reference"},"title":"Best Buy LISA 2025"},{"_key":"e11d1bd055a5","_type":"bigBlockItem","introPara":[{"_key":"a1567ba3ef32","_type":"block","children":[{"_key":"edcc76d1d9b6","_type":"span","marks":[],"text":"The best Stocks & Shares Junior ISAs in the UK today for non-expert people saving for kids. "}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-b682ae6df8cc2ce2922761f9800e9ab43bea3a5a-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"e2f37bff-0046-4a63-b28a-4100f5ce38b9","_type":"reference"},"title":"Best Buy JISA 2025"}],"equaliseHeight":true,"layout":"4x4","paragraphLineClamp":4,"styles":"White","title":"Best buys","titleLineClamp":2},{"_key":"17b9996983dccf5ea8346bf7804b0c2d","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"98c9596df8f7","_type":"block","children":[{"_key":"27e5acb06881","_type":"span","marks":[],"text":"Boring Money Low-Cost Category Awards"}],"markDefs":[],"style":"h1"},{"_key":"1c11cd2ec8bd","_type":"block","children":[{"_key":"38b8ac7ea50a0","_type":"span","marks":[],"text":"Cost-effectiveness awards are granted based on platform charges and total investment costs across various portfolio sizes. Providers must offer mutual funds and direct share access, with evaluations focused purely on costs rather than customer feedback or feature testing."}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"1874c54df81a0af315ac78f03fc300f3","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2055d8357d7e","_type":"bigBlockItem","introPara":[{"_key":"4c9791eed227","_type":"block","children":[{"_key":"63f17c589ddc","_type":"span","marks":[],"text":"A pure cost comparison of platform fees and ready-made portfolios, without factoring in other criteria."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-3ec728a084ed05f531587d0ddfe434cc3fc967a1-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"d78ba9bd-1d45-4647-ba68-90c64d5ebb6d","_type":"reference"},"title":"Best For Low-Cost ISA "},{"_key":"55a78cea0d48","_type":"bigBlockItem","introPara":[{"_key":"9476800d2c84","_type":"block","children":[{"_key":"7e01dc0e351b","_type":"span","marks":[],"text":"The lowest cost ISA providers in the UK for investors looking to"},{"_key":"1048b0313265","_type":"span","marks":["strong"],"text":" invest in funds and shares"},{"_key":"c08d60f5ff88","_type":"span","marks":[],"text":"."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best for Low-Cost ISA Funds and Shares","asset":{"_ref":"image-7673113d7266b1337414f9763dc5dd437efe2fc0-1920x1080-png","_type":"reference"}},"reference":{"_ref":"49d5fee0-7d2a-4e49-8c59-9a828e411268","_type":"reference"},"title":"Best For Low-Cost ISA Funds and Shares"},{"_key":"379cdf2b24ce","_type":"bigBlockItem","introPara":[{"_key":"a88d7df1e68a","_type":"block","children":[{"_key":"f47e45f5aa36","_type":"span","marks":[],"text":""},{"_key":"dbc6f43afe87","_type":"mainAnchor","pageAnchor":{"_ref":"ba89e21a-2775-4127-84b4-80cc318ef4d8","_type":"reference"}},{"_key":"9a87a3c991b8","_type":"span","marks":[],"text":"The lowest cost Pensions in the UK for investors with "},{"_key":"fdfd3d44bdfc","_type":"span","marks":["strong"],"text":"less than"},{"_key":"8077226211b9","_type":"span","marks":[],"text":" £50,000 in their account."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best for Low-Cost Pension <£50k 2025","asset":{"_ref":"image-2f86c2ca58141a980102a105fb337acedbf766f5-6000x3375-png","_type":"reference"}},"reference":{"_ref":"6b117d65-8d5f-4b41-ab76-72ad931731a5","_type":"reference"},"title":"Best For Low-Cost Pension <£50k 2025"},{"_key":"aa324bac8ec4","_type":"bigBlockItem","introPara":[{"_key":"b635358c7e07","_type":"block","children":[{"_key":"c61ee9c32387","_type":"span","marks":[],"text":"The lowest cost Pensions in the UK for investors with "},{"_key":"de6d5b104def","_type":"span","marks":["strong"],"text":"more than"},{"_key":"6e0a6b78de44","_type":"span","marks":[],"text":" £50,000 in their account."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-6def64e9af7bc2e3694d47fa4cbecbcd8b003f22-6000x3375-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"4c448256-d916-44ed-991f-5a9d5c44c109","_type":"reference"},"title":"Best For Low-Cost Pension >£50k 2025"}],"equaliseHeight":true,"layout":"4x4","paragraphLineClamp":4,"styles":"White","title":"Best buys","titleLineClamp":2},{"_key":"45a87a28b7c090b0b0adc0ff59a6a9f0","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"98c9596df8f7","_type":"block","children":[{"_key":"27e5acb06881","_type":"span","marks":[],"text":"Boring Money Category Awards "}],"markDefs":[],"style":"h1"},{"_key":"96c7b52e6b10","_type":"block","children":[{"_key":"3ce48005ba320","_type":"span","marks":[],"text":"Six specialised awards recognise excellence across key investment categories: mobile app functionality, beginner-friendly platforms, share trading capabilities, customer service quality, research tools, and investment trust offerings. Each award focuses on specific criteria such as ease of use, customer support, platform features, and overall user experience in the UK investment market."}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"babe91a75f02a6d02751d990b11aa446","_type":"bigBlockGroup","bigBlockItems":[{"_key":"8ebdfdf87ca4","_type":"bigBlockItem","introPara":[{"_key":"8d02f63d9491","_type":"block","children":[{"_key":"7c201c0969d6","_type":"span","marks":[],"text":"The best easy-to-use, informative as well as functional investment apps in the UK today."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best Investment App 2024","asset":{"_ref":"image-ff5a3a698bc047a941b5d83e77539c426b05ac88-6000x3375-png","_type":"reference"}},"reference":{"_ref":"edd93885-766b-4172-b3fa-bfd350828539","_type":"reference"},"title":"Best App 2025"},{"_key":"a567d1b76270","_type":"bigBlockItem","introPara":[{"_key":"cbda18b3db28","_type":"block","children":[{"_key":"4509f069c5db","_type":"span","marks":[],"text":"These providers offer the best experience and overall support for beginner investors in the UK today. "}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best for Beginners 2024","asset":{"_ref":"image-01fcdc412ec691645497ff3cbc26528daf479380-1920x1080-png","_type":"reference"}},"reference":{"_ref":"a69caddd-cb85-4c9a-99ff-29fa6f036de9","_type":"reference"},"title":"Best For Beginners 2025"},{"_key":"e2efb787cc5c","_type":"bigBlockItem","introPara":[{"_key":"63fd501e86ea","_type":"block","children":[{"_key":"98912c9de854","_type":"span","marks":[],"text":"The best trading platforms in the UK based on customer reviews, ease of use and our live account testing."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best for Share Traders","asset":{"_ref":"image-9303b0180c3ed718e0f680add2bd6a37a10546f9-1920x1080-png","_type":"reference"}},"reference":{"_ref":"fa64145d-bd4e-4150-8588-298ea7e3d5ff","_type":"reference"},"title":"Best For Share Traders 2025"},{"_key":"67e1a9c3f5ac","_type":"bigBlockItem","introPara":[{"_key":"1ebe96ad316a","_type":"block","children":[{"_key":"d3bdfea5de6b","_type":"span","marks":[],"text":"The best providers in the UK with information, support and guidance for those who want a helping hand."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-78955ae949d6c5bbce0e719a2b0d6a6064db541b-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"76a171af-4523-416f-8eb9-6df7272d8c2d","_type":"reference"},"title":"Best For Customer Service 2025"},{"_key":"d60a2704e088382b12d71a3a4ac59397","_type":"bigBlockItem","introPara":[{"_key":"9126c7aa363f","_type":"block","children":[{"_key":"0497d2a46dc9","_type":"span","marks":[],"text":""},{"_key":"598948244938","_type":"mainAnchor","pageAnchor":{"_ref":"cfa94b67-b75a-4723-98e0-81fa96b3fcf6","_type":"reference"}},{"_key":"7b72b358e174","_type":"span","marks":[],"text":"The best providers in the UK for innovative features, portfolio analysis tools and range of investments. "}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-65565609d8a1dfb4870e448d4dbabd522a0c3c66-1920x1080-png","_type":"reference"}},"reference":{"_ref":"df3d4346-4cfc-4a90-8bfa-1a9016dcd649","_type":"reference"},"title":"Best For Investment Research 2025"},{"_key":"aed8c65fd17bc385c0e160ab5317ccb4","_type":"bigBlockItem","introPara":[{"_key":"b5e310ef72e6","_type":"block","children":[{"_key":"e137df6c62140","_type":"span","marks":[],"text":"The best providers in the UK for information, support, and guidance across phone channels, support onlin,e and web chat."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-7df01bf5b566559fae496668723f394dffeb1acf-1920x1080-png","_type":"reference"}},"reference":{"_ref":"9339412f-84fd-40d7-a922-576b8369e6ce","_type":"reference"},"title":"Best For Investment Trusts 2025"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":4,"styles":"White","title":"Category","titleLineClamp":2},{"_key":"dbf4b5de2169","_type":"smallSpacerBlock","styles":"White","title":"s"},{"_key":"32ac24f1f3d3","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"2c34f012909c","_type":"block","children":[{"_key":"784fc1284387","_type":"span","marks":[],"text":""},{"_key":"6c62e2471282","_type":"mainAnchor","pageAnchor":{"_ref":"bdb805f3-efc6-4ee0-afa7-62c2d44316e1","_type":"reference"}},{"_key":"6d2c94d5d2e6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Judged awards"},{"_key":"2678c6143023","_type":"tabsTextboxBlock","equaliseTabHeights":true,"styles":"Blue","tabs":[{"_key":"837f833115d4","_type":"tabsTextboxItem","customTabText":[{"_key":"0a7368475fd9","_type":"block","children":[{"_key":"259400adf5be","_type":"span","marks":[],"text":"Consumer Choice Award"}],"markDefs":[],"style":"h4"},{"_key":"c72295df38d2","_type":"block","children":[{"_key":"8f7f9ea9866e","_type":"span","marks":[],"text":"Discover how our readers select the winners of our coveted Consumer Choice Award."}],"markDefs":[],"style":"normal"}],"image":{"_type":"mainImage","asset":{"_ref":"image-112cf22920832195d41e369755ed6905777437ed-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","textParagraph":[{"_key":"9693d7c0a22e","_type":"block","children":[{"_key":"8aea809806f40","_type":"span","marks":[],"text":"\nThis award was voted for by Boring Money readers. We asked readers to nominate their favourite investment platform and also asked about satisfaction and likelihood to recommend the service, so assessing both nominations but also strength of conviction. The award reflects our readers’ opinion and preferences.\n\n"},{"_key":"5f3ceefbe188","_type":"span","marks":["strong"],"text":"Winner: "},{"_key":"35b60060f994","_type":"span","marks":["strong","29a6595ac713"],"text":"interactive investor"},{"_key":"39eb0dc5c670","_type":"span","marks":[],"text":"\n\n"},{"_key":"2cdab8ca9c40","_type":"span","marks":["strong"],"text":"Highly commended: "},{"_key":"902955821978","_type":"span","marks":["strong","f99f2ae47d6d"],"text":"AJ Bell"},{"_key":"3b01c83a0c17","_type":"span","marks":["strong"],"text":" and "},{"_key":"a51e888ec97a","_type":"span","marks":["strong","4961991d4369"],"text":"Trading 212"}],"markDefs":[{"_key":"29a6595ac713","_type":"internalLinkPick","reference":{"_ref":"22d041fa-4595-43c0-9055-7853b8b849f0","_type":"reference"}},{"_key":"f99f2ae47d6d","_type":"internalLinkPick","reference":{"_ref":"1dbcb796-5201-4542-a5fd-e9d2d02257e5","_type":"reference"}},{"_key":"4961991d4369","_type":"internalLinkPick","reference":{"_ref":"28f324b0-a9ce-4a8e-95a1-2aa75444467c","_type":"reference"}}],"style":"normal"}]},{"_key":"9a9904df8dd9","_type":"tabsTextboxItem","customTabText":[{"_key":"2ed3459b705c","_type":"block","children":[{"_key":"acc2eeb0d546","_type":"span","marks":[],"text":""},{"_key":"0e4121f4a450","_type":"mainAnchor","pageAnchor":{"_ref":"d38f27d8-2458-42bb-84f2-99b7c1f1e5c0","_type":"reference"}},{"_key":"c420aedbf8360","_type":"span","marks":[],"text":"Value For Money Award"}],"markDefs":[],"style":"h4"},{"_key":"4f7157ac071e","_type":"block","children":[{"_key":"3a3278df3bf10","_type":"span","marks":[],"text":"Discover how we select the winners of our coveted Value For Money award."}],"markDefs":[],"style":"normal"}],"fullSizeImage":{"_type":"mainImage","blankAltTag":false},"image":{"_type":"mainImage","asset":{"_ref":"image-cf84a0aaa79c358847c6d2b6f972d1131b7b366f-3375x3375-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","textParagraph":[{"_key":"971800712038","_type":"block","children":[{"_key":"c1e487a8f22d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"eaf78957902c","_type":"block","children":[{"_key":"846dc04096360","_type":"span","marks":[],"text":"The Value For Money category relies entirely on the customer perspective, acknowledging the complex and subjective nature of value. This award is voted by platform users and is not scored or judged by Boring Money. Throughout 2024, we collected a rating from 11,266 platform customers who were asked to score the platform they used for Value For Money out of 10.\n"}],"markDefs":[],"style":"normal"},{"_key":"cf99b2710722","_type":"block","children":[{"_key":"73ac8c06a8a7","_type":"span","marks":["strong"],"text":"See the winners "},{"_key":"e5c3999900fd","_type":"span","marks":["aaf03d15ba19","strong"],"text":"here"},{"_key":"1953fffc243c","_type":"span","marks":["strong"],"text":"."}],"markDefs":[{"_key":"aaf03d15ba19","_type":"internalLinkPick","reference":{"_ref":"761488e4-e055-4464-95fb-bca84ca22570","_type":"reference"}}],"style":"normal"}]}]},{"_key":"5f2e74ef6578c744d7b566599dd8bb7d","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"95414b5c32a0","_type":"block","children":[{"_key":"50d62b660a5a","_type":"span","marks":[],"text":"How do we choose our winners?"}],"markDefs":[],"style":"h3"},{"_key":"caa226c4aba8","_type":"block","children":[{"_key":"49a089d80fae","_type":"span","marks":[],"text":"We scour the investment market using our 8 years' of experience, a combination of 40+ live accounts, 100s of hours of call centre testing, rigorous cost analysis from our team of in-house analysts, and over 22,000 real customer reviews to help you find the best home for your money. "},{"_key":"d6df569c7ea7","_type":"span","marks":["strong"],"text":"The result? A hand-picked selection of the very best investment providers on the market today."}],"markDefs":[],"style":"normal"},{"_key":"607ca39983f8","_type":"block","children":[{"_key":"6078ee38960e0","_type":"span","marks":[],"text":"‏‏‎ ‎"}],"markDefs":[],"style":"normal"}],"linkText":"OUR METHODOLOGY","reference":{"_ref":"9e12dca7-1836-4410-acc1-6bc412092eaf","_type":"reference"},"styles":"White"}],"emailSignupWidgetButtonText":"JOIN US","emailSignupWidgetParagraphText":"Winners 2025: The UK's top investment providers revealed!\n\n\n\n\n\n","enableGatedContent":true,"excerpt":[{"_key":"1b3e4946a28c","_type":"block","children":[{"_key":"7ee2f6e868600","_type":"span","marks":[],"text":"Explore the top investment providers of 2025 with Boring Money's Best Buy Awards. Our expert reviews and real customer feedback help you make informed investment decisions across all types of investments."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue background  - Text center - Slide up from bottom of page","gatedContentBody":[{"_key":"b4a916d8c413","_type":"heroSection","alignment":"Text Right","brazeCustomAttributes":[{"_key":"d4a0b2b3abe7","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_BBawards2025","customAttributeValue":"SIGNUPPAGE_BM_BBawards2025"}],"introPara":[{"_key":"0b57ad5bf6e9","_type":"block","children":[{"_key":"596844fa6f28","_type":"span","marks":[],"text":"How we choose the UK's best investment providers:"}],"markDefs":[],"style":"h1"},{"_key":"a1859fb62aae","_type":"block","children":[{"_key":"2c54bc15c6bf","_type":"span","marks":[],"text":"Is your investment provider truly giving you the best value? With fees potentially eating thousands from your investment returns and savings, choosing the right platform matters more than ever."}],"markDefs":[],"style":"normal"},{"_key":"892526ff0644","_type":"block","children":[{"_key":"c6d8ef30bde9","_type":"span","marks":[],"text":"Our 2025 Best Buy Awards cut through the noise to reveal which UK providers "},{"_key":"34f25c250535","_type":"span","marks":["em"],"text":"actually"},{"_key":"137a910faf1b","_type":"span","marks":[],"text":" deliver the best experience for investors like you. "}],"markDefs":[],"style":"normal"},{"_key":"5c01f4d7df5d","_type":"block","children":[{"_key":"c722ab57834a","_type":"span","marks":[],"text":"Based on over 22,000 customer reviews and months of rigorous testing, here's how we identify the companies worth your money."}],"markDefs":[],"style":"normal"},{"_key":"82fb57fcc67c","_type":"block","children":[{"_key":"1f17b81fca2e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-d3f9efb1ce23be27e62043346c09f68519c5a2c3-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"f6da89af-f94e-4900-a721-74a59bfe90d3","_type":"reference"},"styles":"Half-Padding-White","thankYouText":[{"_key":"906e9c7f547b","_type":"block","children":[{"_key":"ae85e273070c0","_type":"span","marks":[],"text":"How We Choose the UK's Best Investment Platforms: "}],"markDefs":[],"style":"h1"},{"_key":"50a0f215b012","_type":"block","children":[{"_key":"28f30e4b547e0","_type":"span","marks":[],"text":"Is your investment platform truly giving you the best value? With fees potentially eating thousands from your retirement savings, choosing the right platform matters more than ever."}],"markDefs":[],"style":"normal"},{"_key":"69c01d3064fb","_type":"block","children":[{"_key":"62b8f572f9900","_type":"span","marks":[],"text":"Our 2025 Best Buy Awards cut through the marketing noise to reveal which UK investment platforms actually deliver the best experience for investors like you. Based on over 22,000 customer reviews and months of rigorous testing, here's how we identify the platforms worth your money."}],"markDefs":[],"style":"normal"},{"_key":"3da6e22a5c7b","_type":"block","children":[{"_key":"b8ca9bbeea280","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"How we choose the UK's best investment providers:"}],"gatedContentReadMoreText":[{"_key":"3bb30e26e786","_type":"block","children":[{"_key":"40f95b1ea0880","_type":"span","marks":[],"text":"\n🔒 Subscribers get exclusive access to:"}],"markDefs":[],"style":"normal"},{"_key":"80b73a1ae7a7","_type":"block","children":[{"_key":"d8e4f72a9741","_type":"span","marks":[],"text":"Complete rankings and detailed analysis of all winners"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"2d123d2b7f0e","_type":"block","children":[{"_key":"4b1bb4ef1e8b","_type":"span","marks":[],"text":"Cost comparison calculator for your portfolio size"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"35216fc6c13a","_type":"block","children":[{"_key":"8d81991fad18","_type":"span","marks":[],"text":"Platform selection tool based on your specific needs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"341ec0086c1a","_type":"block","children":[{"_key":"ad6ab0d71d02","_type":"span","marks":[],"text":"Expert insights on upcoming platform developments\n\n"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"isPrivatePage":false,"publishedAt":"1970-07-01T15:05:00.000Z","slug":{"_type":"slug","current":"boring-money-awards-2025"},"subfolder":{"_ref":"83495465-d1dd-4049-a955-b065009036e6","_type":"reference"},"textNextToKey":"Join 50,000+ investors getting our independent platform research - Free!","theme":"Boring Money theme","title":"Boring Money Best Buy Awards 2025","id":"-59e9daac-5536-52dc-b300-457a18486564","children":[],"parent":null},"styles":"Half-Padding-White","thankYouText":[{"_key":"906e9c7f547b","_type":"block","children":[{"_key":"ae85e273070c0","_type":"span","marks":[],"text":"How We Choose the UK's Best Investment Platforms: "}],"markDefs":[],"style":"h1"},{"_key":"50a0f215b012","_type":"block","children":[{"_key":"28f30e4b547e0","_type":"span","marks":[],"text":"Is your investment platform truly giving you the best value? With fees potentially eating thousands from your retirement savings, choosing the right platform matters more than ever."}],"markDefs":[],"style":"normal"},{"_key":"69c01d3064fb","_type":"block","children":[{"_key":"62b8f572f9900","_type":"span","marks":[],"text":"Our 2025 Best Buy Awards cut through the marketing noise to reveal which UK investment platforms actually deliver the best experience for investors like you. Based on over 22,000 customer reviews and months of rigorous testing, here's how we identify the platforms worth your money."}],"markDefs":[],"style":"normal"},{"_key":"3da6e22a5c7b","_type":"block","children":[{"_key":"b8ca9bbeea280","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"How we choose the UK's best investment providers:"}],"gatedContentReadMoreText":[{"_key":"3bb30e26e786","_type":"block","children":[{"_key":"40f95b1ea0880","_type":"span","marks":[],"text":"\n🔒 Subscribers get exclusive access to:"}],"markDefs":[],"style":"normal"},{"_key":"80b73a1ae7a7","_type":"block","children":[{"_key":"d8e4f72a9741","_type":"span","marks":[],"text":"Complete rankings and detailed analysis of all winners"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"2d123d2b7f0e","_type":"block","children":[{"_key":"4b1bb4ef1e8b","_type":"span","marks":[],"text":"Cost comparison calculator for your portfolio size"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"35216fc6c13a","_type":"block","children":[{"_key":"8d81991fad18","_type":"span","marks":[],"text":"Platform selection tool based on your specific needs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"341ec0086c1a","_type":"block","children":[{"_key":"ad6ab0d71d02","_type":"span","marks":[],"text":"Expert insights on upcoming platform developments\n\n"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"isPrivatePage":false,"publishedAt":"1970-07-01T15:05:00.000Z","slug":{"_type":"slug","current":"boring-money-awards-2026"},"subfolder":{"_id":"83495465-d1dd-4049-a955-b065009036e6","_type":"folderCategory","_rev":"JrRx5dLFvUMQ8OBF5uu6go","_createdAt":"2021-05-11T10:23:25Z","_updatedAt":"2023-08-04T11:11:48Z","description":"/","folder":"/","id":"-f6e09d1c-fce6-5f27-bf98-8d255a16b84b","children":[],"parent":null},"textNextToKey":"Join 70,000+ investors getting our independent platform research - Free!","theme":"Boring Money theme","title":"Boring Money Best Buy Awards 2026","id":"-cd0f302b-a486-53c4-b446-99e6b82601a0","children":[],"parent":null}}],"style":"normal"},{"_key":"d595ad143314","_type":"block","children":[{"_key":"56ba31642a4f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"1912f7395edb","_type":"block","children":[{"_key":"14a9941e15f0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5d76bfe596a1","_type":"block","children":[{"_key":"37a94de64637","_type":"span","marks":[],"text":"How are the Best For Investment Research winners chosen?"}],"markDefs":[],"style":"h2"},{"_key":"d1b5a2879273","_type":"block","children":[{"_key":"1743b790335a","_type":"span","marks":[],"text":"Best For Investment Research winners are selected through comprehensive testing of every research tool and feature available, from basic stock screeners to advanced technical analysis capabilities. The methodology examines the quality and breadth of content, innovation in research features, and how effectively platforms make research easier and more insightful."}],"markDefs":[],"style":"normal"},{"_key":"3f205e55d39d","_type":"block","children":[{"_key":"be00ee0e569a","_type":"span","marks":[],"text":"Winners must combine robust data with smart analytical tools that help investors make sense of information. They're evaluated on market updates, company research, research tool quality, and ability to deliver both quick market snapshots and deep-dive company analysis. Excellence means providing comprehensive, comprehensible research that makes data work harder for investors."}],"markDefs":[],"style":"normal"},{"_key":"cc410e5c0e4d","_type":"block","children":[{"_key":"f04a8d8d2265","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"4ee7e06768ff","_type":"block","children":[{"_key":"1b759e204b41","_type":"span","marks":["strong"],"text":"Read our full methodology breakdown"}],"markDefs":[],"style":"normal"}],"_key":"440d879a755b","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_id":"9e12dca7-1836-4410-acc1-6bc412092eaf","_type":"information","_rev":"LRF31LjMeR0tYSnPYH7fq6","_createdAt":"2021-07-16T11:32:13Z","_updatedAt":"2026-03-09T09:04:23Z","_system":{"base":{"id":"9e12dca7-1836-4410-acc1-6bc412092eaf","rev":"WEOGLuOwDm8wi7hKtzZVKE"}},"authors":[{"_key":"7134b2996712","_type":"personReference","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"people","_rev":"n54XUON695cO06xFcT7KHi","_createdAt":"2021-07-16T15:41:47Z","_updatedAt":"2026-04-16T00:00:29Z","_system":{"base":{"id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","rev":"1XrksDlMkoAPinyrcm2t9G"}},"answeredQuestionsRank":252,"averageRating":0,"bio":[{"_key":"bf1f1c58fef9","_type":"block","children":[{"_key":"97ba1f193b22","_type":"span","marks":[],"text":"Boring Money is an independent company founded in 2015 to make investing, saving and financial planning accessible for everyday people without a PhD in finance. "}],"markDefs":[],"style":"normal"},{"_key":"529bed96fa8e","_type":"block","children":[{"_key":"46347ea68efb","_type":"span","marks":[],"text":"Led by industry veteran "},{"_key":"d6819d3bfe17","_type":"span","marks":["12ac5536ccfd"],"text":"Holly Mackay"},{"_key":"00f260fdccf0","_type":"span","marks":[],"text":" with over 24 years' experience, Boring Money's mission is to demystify savings, investments, and pensions. We help consumers with educational content, research, and user-friendly tips - all without the confusing technical jargon!"}],"markDefs":[{"_key":"12ac5536ccfd","_type":"link","href":"https://www.boringmoney.co.uk/advisers/holly-mackay/"}],"style":"normal"},{"_key":"dbb1c5ff82a3","_type":"block","children":[{"_key":"a9b296baf5d3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8a06e569aa6a","_type":"prosConsWidget","cons":["Confusing industry jargon!"],"consTitle":"Dislikes:","pros":["Making money make sense"],"prosTitle":"Likes:"},{"_key":"04271e0685d4","_type":"block","children":[{"_key":"a68362f24eb7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3e82861a3b80","_type":"block","children":[{"_key":"0f6b76e2f7e6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7f1e7a776f24","_type":"block","children":[{"_key":"44781b4aa451","_type":"span","marks":["em"],"text":"Boring Money is not a regulated financial advice firm. We provide generic information to help you understand your options. We make money from sponsorship, advertising, and referral fees - all transparently disclosed "},{"_key":"8f2d6d572758","_type":"span","marks":["em","a3db01606b86"],"text":"here"},{"_key":"07c6279db2e5","_type":"span","marks":["em"],"text":"."}],"markDefs":[{"_key":"a3db01606b86","_type":"link","href":"https://www.boringmoney.co.uk/how-we-make-money/"}],"style":"normal"}],"categories":[{"_id":"976f2dc9-ded3-47fc-bc52-bd928767a578","_type":"peopleCategory","_rev":"DmK61VtPyEhMsfOjcsZnya","_createdAt":"2021-04-26T07:58:36Z","_updatedAt":"2021-04-26T07:58:36Z","description":"An adviser answers questions","title":"Adviser","id":"-4b0a823c-581c-5d13-873c-3469fad06f4f","children":[],"parent":null}],"dashboardId":"b3cf6703-691d-4826-9ddc-762eeb58c289","dateAnsweredRank":88,"email":"community@boringmoney.co.uk","excerpt":[{"_key":"e8edde7ba304","_type":"block","children":[{"_key":"ffba4fdcab87","_type":"span","marks":[],"text":"This is a Boring Money Advice admin page. This adviser directory allows you to browse trusted, vetted financial advisers. Enter your location or use the advanced filters to find the perfect match."}],"markDefs":[],"style":"normal"}],"hideFeeStructure":true,"image":{"_type":"mainImage","alt":"Boring Money","asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg","_type":"sanity.imageAsset","_rev":"ofM7EIDfnwHVEh3rYtmRIR","_createdAt":"2022-03-15T09:27:14Z","_updatedAt":"2022-03-15T09:27:14Z","assetId":"a97c86a66df380894e97e61992d8e64af6c956a6","extension":"svg","metadata":{"_type":"sanity.imageMetadata","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.3109243697478992,"height":119,"width":156},"hasAlpha":true,"isOpaque":true,"lqip":"data:image/jpeg;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#8f0939","foreground":"#fff","population":0,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#b80c4a","foreground":"#fff","population":0.03,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#e40c54","foreground":"#fff","population":71.28,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#ca9bab","foreground":"#000","population":0.25,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#fc7eb1","foreground":"#000","population":0.11,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#a45974","foreground":"#fff","population":0.02,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#e40c54","foreground":"#fff","population":71.28,"title":"#fff"}}},"mimeType":"image/svg+xml","originalFilename":"Logo.svg","path":"images/k8qzcdw3/prod1503/a97c86a66df380894e97e61992d8e64af6c956a6-156x119.svg","sha1hash":"a5c7308234566322c0aeadaebd1a67a40d4a1557","size":9060,"uploadId":"EAslYFMdJpjRKTZA7zVLEWrKlThJlBzK","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/a97c86a66df380894e97e61992d8e64af6c956a6-156x119.svg","filename":"Logo.svg","width":156,"height":119,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/a97c86a66df380894e97e61992d8e64af6c956a6-156x119.svg?rect=39,0,79,119&w=%width%&h=%height%&q=80","id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg","children":[],"parent":null},"blankAltTag":true,"caption":"Boring Money","crop":{"_type":"sanity.imageCrop","bottom":0,"left":0.10897435897435898,"right":0.1217948717948718,"top":0},"hotspot":{"_type":"sanity.imageHotspot","height":1,"width":0.7628205128205129,"x":0.49679487179487175,"y":0.5}},"location":{"_id":"6647e624-276a-461e-84a8-f8e62eb9143e","_type":"locationCategory","_rev":"ofM7EIDfnwHVEh3rYtk8Tb","_createdAt":"2021-06-23T13:26:06Z","_updatedAt":"2021-10-26T15:29:07Z","location":"London","id":"-20d27915-ace6-58b4-93a8-0c478bc2150e","children":[],"parent":null},"name":"Boring Money","numberOfLikes":1828,"numberOfRatings":0,"publishedAt":"2026-01-20T13:29:05.059Z","showAdviser":false,"slug":{"_type":"slug","current":"boring-money"},"specialisations":[{"_id":"4807983c-8f5a-49f7-83bd-fcc53e0f81e8","_type":"specialisationCategory","_rev":"On1YAmrm9ptgIoWdufTLcX","_createdAt":"2025-07-22T08:58:51Z","_updatedAt":"2025-07-24T09:32:33Z","_system":{"base":{"id":"4807983c-8f5a-49f7-83bd-fcc53e0f81e8","rev":"qyb5DaNojaFZJGyXBTlWs1"}},"specialisation":"Financial Guidance","id":"-aad96d60-a92b-5985-bee2-6fde1917fc0b","children":[],"parent":null}],"summary":[{"_key":"8ab6b22d9f47","_type":"block","children":[{"_key":"aa17690f4230","_type":"span","marks":[],"text":"Here to help you understand your options and make smart money choices."}],"markDefs":[],"style":"normal"}],"id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","children":[],"parent":null}}],"body":[{"_key":"8849f71a0a17","_type":"block","children":[{"_key":"af3e0ddf216f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7b6284af91c0","_type":"block","children":[{"_key":"b73a809f4437","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"76c0c24ac3ae","_type":"block","children":[{"_key":"e5498c0507e0","_type":"span","marks":["strong"],"text":"Investors have a huge number of options when choosing where to invest and which products to buy. Our annual Best Buy Awards were established in 2018 to help them see the wood for the trees and choose the best home for their money."}],"markDefs":[],"style":"normal"},{"_key":"3d25988c578f","_type":"block","children":[{"_key":"f4b81add98710","_type":"span","marks":[],"text":"What are the Boring Money Best Buy Awards?"}],"markDefs":[],"style":"h2"},{"_key":"9f7d83260c4f","_type":"block","children":[{"_key":"aaa041cbbdab0","_type":"span","marks":[],"text":"For nine years, the "},{"_key":"5086d70ccebd","_type":"span","marks":["15fe5237dc1c"],"text":"Boring Money Best Buy Awards"},{"_key":"1973f311d3ec","_type":"span","marks":[],"text":" have been recognising the best investment providers in the UK.​"}],"markDefs":[{"_key":"15fe5237dc1c","_type":"internalLinkPick","reference":{"_id":"f6da89af-f94e-4900-a721-74a59bfe90d3","_type":"landingPage","_rev":"ZvcBn74KyFWSpPUCs2qYPb","_createdAt":"2025-01-24T16:03:41Z","_updatedAt":"2025-02-28T09:54:25Z","brazeCustomAttributes":[{"_key":"52b78f20447e","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_BBawards2025","customAttributeValue":"https://www.boringmoney.co.uk/boring-money-awards-2025/"}],"content":[{"_key":"532aacaed780","_type":"breadcrumb","breadcrumbs":[{"_key":"41a90d918aec","_type":"breadcrumbReference","linkReference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"title":"Home"},{"_key":"170ee09e6b05","_type":"breadcrumbReference","linkReference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"title":"Compare Providers"},{"_key":"6cd5e5045a04","_type":"breadcrumbReference","linkReference":{"_ref":"f6da89af-f94e-4900-a721-74a59bfe90d3","_type":"reference"},"title":"Boring Money Awards 2025"}]},{"_key":"5beb6f269b7d","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"4a0d8b812da0","_type":"block","children":[{"_key":"a544d22387d80","_type":"span","marks":[],"text":"The Boring Money Best Buy Awards 2025"}],"markDefs":[],"style":"h1"},{"_key":"48b827501d7e","_type":"block","children":[{"_key":"65065d8f15190","_type":"span","marks":[],"text":"We've been the independent voice cutting through the noise in UK investing for eight years. Through rigorous testing of live accounts, real conversations with providers, and insights from over 22,000 real investors, we spotlight the platforms that truly deliver. Our seal of approval carries weight across London's tubes, financial headlines, and boardrooms – because "},{"_key":"083b1416f7cd","_type":"span","marks":["strong"],"text":"when it comes to your money, excellence should never be boring."}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"c13b7811af46","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"8ab7ef1730e8","_type":"block","children":[{"_key":"3027d1933156","_type":"span","marks":[],"text":""},{"_key":"83739b39ca72","_type":"mainAnchor","pageAnchor":{"_ref":"1b2aeaad-c98a-4863-acf8-769f3c9f93ed","_type":"reference"}},{"_key":"6b520f2240ff","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Anchor"},{"_key":"b820f333f7e6","_type":"bigBlockGroup","bigBlockItems":[{"_key":"f49c58243729","_type":"bigBlockItem","introPara":[{"_key":"01edf0252c4f","_type":"block","children":[{"_key":"bb911fd59dce","_type":"span","marks":[],"text":"The very best Stocks & Shares ISAs in the UK today for mainstream savers and investors."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best Buy ISA 2024","asset":{"_ref":"image-d3f9efb1ce23be27e62043346c09f68519c5a2c3-1920x1080-png","_type":"reference"}},"reference":{"_ref":"2ad629d9-20cb-4c7a-baa9-ff52494a3b0d","_type":"reference"},"title":"Best Buy ISA 2025"},{"_key":"12010eb95663","_type":"bigBlockItem","introPara":[{"_key":"f28628da7ae1","_type":"block","children":[{"_key":"b00e65f9cabb","_type":"span","marks":[],"text":"The best Pensions in the UK today for mainstream savers and investors."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best Buy Pension 2025","asset":{"_ref":"image-a594580903198a7b933c88ce17d54f45f2be88b0-800x450-jpg","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"41b7c255-2a4e-415c-bc4e-74bc27a97f1e","_type":"reference"},"title":"Best Buy Pension 2025"},{"_key":"0b88872a8827","_type":"bigBlockItem","introPara":[{"_key":"5eace0649759","_type":"block","children":[{"_key":"4083f7d8fdcd","_type":"span","marks":[],"text":"The best Stocks & Shares Lifetime ISAs in the UK today for those saving for retirement or their first property."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best Buy LISA 2024","asset":{"_ref":"image-3f119bfe34b9266ce0f08b6a9d87a6a8a06229bc-1920x1080-png","_type":"reference"}},"reference":{"_ref":"7751737d-084c-4a55-9046-e35ea8792d3c","_type":"reference"},"title":"Best Buy LISA 2025"},{"_key":"e11d1bd055a5","_type":"bigBlockItem","introPara":[{"_key":"a1567ba3ef32","_type":"block","children":[{"_key":"edcc76d1d9b6","_type":"span","marks":[],"text":"The best Stocks & Shares Junior ISAs in the UK today for non-expert people saving for kids. "}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-b682ae6df8cc2ce2922761f9800e9ab43bea3a5a-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"e2f37bff-0046-4a63-b28a-4100f5ce38b9","_type":"reference"},"title":"Best Buy JISA 2025"}],"equaliseHeight":true,"layout":"4x4","paragraphLineClamp":4,"styles":"White","title":"Best buys","titleLineClamp":2},{"_key":"17b9996983dccf5ea8346bf7804b0c2d","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"98c9596df8f7","_type":"block","children":[{"_key":"27e5acb06881","_type":"span","marks":[],"text":"Boring Money Low-Cost Category Awards"}],"markDefs":[],"style":"h1"},{"_key":"1c11cd2ec8bd","_type":"block","children":[{"_key":"38b8ac7ea50a0","_type":"span","marks":[],"text":"Cost-effectiveness awards are granted based on platform charges and total investment costs across various portfolio sizes. Providers must offer mutual funds and direct share access, with evaluations focused purely on costs rather than customer feedback or feature testing."}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"1874c54df81a0af315ac78f03fc300f3","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2055d8357d7e","_type":"bigBlockItem","introPara":[{"_key":"4c9791eed227","_type":"block","children":[{"_key":"63f17c589ddc","_type":"span","marks":[],"text":"A pure cost comparison of platform fees and ready-made portfolios, without factoring in other criteria."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-3ec728a084ed05f531587d0ddfe434cc3fc967a1-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"d78ba9bd-1d45-4647-ba68-90c64d5ebb6d","_type":"reference"},"title":"Best For Low-Cost ISA "},{"_key":"55a78cea0d48","_type":"bigBlockItem","introPara":[{"_key":"9476800d2c84","_type":"block","children":[{"_key":"7e01dc0e351b","_type":"span","marks":[],"text":"The lowest cost ISA providers in the UK for investors looking to"},{"_key":"1048b0313265","_type":"span","marks":["strong"],"text":" invest in funds and shares"},{"_key":"c08d60f5ff88","_type":"span","marks":[],"text":"."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best for Low-Cost ISA Funds and Shares","asset":{"_ref":"image-7673113d7266b1337414f9763dc5dd437efe2fc0-1920x1080-png","_type":"reference"}},"reference":{"_ref":"49d5fee0-7d2a-4e49-8c59-9a828e411268","_type":"reference"},"title":"Best For Low-Cost ISA Funds and Shares"},{"_key":"379cdf2b24ce","_type":"bigBlockItem","introPara":[{"_key":"a88d7df1e68a","_type":"block","children":[{"_key":"f47e45f5aa36","_type":"span","marks":[],"text":""},{"_key":"dbc6f43afe87","_type":"mainAnchor","pageAnchor":{"_ref":"ba89e21a-2775-4127-84b4-80cc318ef4d8","_type":"reference"}},{"_key":"9a87a3c991b8","_type":"span","marks":[],"text":"The lowest cost Pensions in the UK for investors with "},{"_key":"fdfd3d44bdfc","_type":"span","marks":["strong"],"text":"less than"},{"_key":"8077226211b9","_type":"span","marks":[],"text":" £50,000 in their account."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best for Low-Cost Pension <£50k 2025","asset":{"_ref":"image-2f86c2ca58141a980102a105fb337acedbf766f5-6000x3375-png","_type":"reference"}},"reference":{"_ref":"6b117d65-8d5f-4b41-ab76-72ad931731a5","_type":"reference"},"title":"Best For Low-Cost Pension <£50k 2025"},{"_key":"aa324bac8ec4","_type":"bigBlockItem","introPara":[{"_key":"b635358c7e07","_type":"block","children":[{"_key":"c61ee9c32387","_type":"span","marks":[],"text":"The lowest cost Pensions in the UK for investors with "},{"_key":"de6d5b104def","_type":"span","marks":["strong"],"text":"more than"},{"_key":"6e0a6b78de44","_type":"span","marks":[],"text":" £50,000 in their account."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-6def64e9af7bc2e3694d47fa4cbecbcd8b003f22-6000x3375-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"4c448256-d916-44ed-991f-5a9d5c44c109","_type":"reference"},"title":"Best For Low-Cost Pension >£50k 2025"}],"equaliseHeight":true,"layout":"4x4","paragraphLineClamp":4,"styles":"White","title":"Best buys","titleLineClamp":2},{"_key":"45a87a28b7c090b0b0adc0ff59a6a9f0","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"98c9596df8f7","_type":"block","children":[{"_key":"27e5acb06881","_type":"span","marks":[],"text":"Boring Money Category Awards "}],"markDefs":[],"style":"h1"},{"_key":"96c7b52e6b10","_type":"block","children":[{"_key":"3ce48005ba320","_type":"span","marks":[],"text":"Six specialised awards recognise excellence across key investment categories: mobile app functionality, beginner-friendly platforms, share trading capabilities, customer service quality, research tools, and investment trust offerings. Each award focuses on specific criteria such as ease of use, customer support, platform features, and overall user experience in the UK investment market."}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"babe91a75f02a6d02751d990b11aa446","_type":"bigBlockGroup","bigBlockItems":[{"_key":"8ebdfdf87ca4","_type":"bigBlockItem","introPara":[{"_key":"8d02f63d9491","_type":"block","children":[{"_key":"7c201c0969d6","_type":"span","marks":[],"text":"The best easy-to-use, informative as well as functional investment apps in the UK today."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best Investment App 2024","asset":{"_ref":"image-ff5a3a698bc047a941b5d83e77539c426b05ac88-6000x3375-png","_type":"reference"}},"reference":{"_ref":"edd93885-766b-4172-b3fa-bfd350828539","_type":"reference"},"title":"Best App 2025"},{"_key":"a567d1b76270","_type":"bigBlockItem","introPara":[{"_key":"cbda18b3db28","_type":"block","children":[{"_key":"4509f069c5db","_type":"span","marks":[],"text":"These providers offer the best experience and overall support for beginner investors in the UK today. "}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best for Beginners 2024","asset":{"_ref":"image-01fcdc412ec691645497ff3cbc26528daf479380-1920x1080-png","_type":"reference"}},"reference":{"_ref":"a69caddd-cb85-4c9a-99ff-29fa6f036de9","_type":"reference"},"title":"Best For Beginners 2025"},{"_key":"e2efb787cc5c","_type":"bigBlockItem","introPara":[{"_key":"63fd501e86ea","_type":"block","children":[{"_key":"98912c9de854","_type":"span","marks":[],"text":"The best trading platforms in the UK based on customer reviews, ease of use and our live account testing."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best for Share Traders","asset":{"_ref":"image-9303b0180c3ed718e0f680add2bd6a37a10546f9-1920x1080-png","_type":"reference"}},"reference":{"_ref":"fa64145d-bd4e-4150-8588-298ea7e3d5ff","_type":"reference"},"title":"Best For Share Traders 2025"},{"_key":"67e1a9c3f5ac","_type":"bigBlockItem","introPara":[{"_key":"1ebe96ad316a","_type":"block","children":[{"_key":"d3bdfea5de6b","_type":"span","marks":[],"text":"The best providers in the UK with information, support and guidance for those who want a helping hand."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-78955ae949d6c5bbce0e719a2b0d6a6064db541b-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"76a171af-4523-416f-8eb9-6df7272d8c2d","_type":"reference"},"title":"Best For Customer Service 2025"},{"_key":"d60a2704e088382b12d71a3a4ac59397","_type":"bigBlockItem","introPara":[{"_key":"9126c7aa363f","_type":"block","children":[{"_key":"0497d2a46dc9","_type":"span","marks":[],"text":""},{"_key":"598948244938","_type":"mainAnchor","pageAnchor":{"_ref":"cfa94b67-b75a-4723-98e0-81fa96b3fcf6","_type":"reference"}},{"_key":"7b72b358e174","_type":"span","marks":[],"text":"The best providers in the UK for innovative features, portfolio analysis tools and range of investments. "}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-65565609d8a1dfb4870e448d4dbabd522a0c3c66-1920x1080-png","_type":"reference"}},"reference":{"_ref":"df3d4346-4cfc-4a90-8bfa-1a9016dcd649","_type":"reference"},"title":"Best For Investment Research 2025"},{"_key":"aed8c65fd17bc385c0e160ab5317ccb4","_type":"bigBlockItem","introPara":[{"_key":"b5e310ef72e6","_type":"block","children":[{"_key":"e137df6c62140","_type":"span","marks":[],"text":"The best providers in the UK for information, support, and guidance across phone channels, support onlin,e and web chat."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-7df01bf5b566559fae496668723f394dffeb1acf-1920x1080-png","_type":"reference"}},"reference":{"_ref":"9339412f-84fd-40d7-a922-576b8369e6ce","_type":"reference"},"title":"Best For Investment Trusts 2025"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":4,"styles":"White","title":"Category","titleLineClamp":2},{"_key":"dbf4b5de2169","_type":"smallSpacerBlock","styles":"White","title":"s"},{"_key":"32ac24f1f3d3","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"2c34f012909c","_type":"block","children":[{"_key":"784fc1284387","_type":"span","marks":[],"text":""},{"_key":"6c62e2471282","_type":"mainAnchor","pageAnchor":{"_ref":"bdb805f3-efc6-4ee0-afa7-62c2d44316e1","_type":"reference"}},{"_key":"6d2c94d5d2e6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Judged awards"},{"_key":"2678c6143023","_type":"tabsTextboxBlock","equaliseTabHeights":true,"styles":"Blue","tabs":[{"_key":"837f833115d4","_type":"tabsTextboxItem","customTabText":[{"_key":"0a7368475fd9","_type":"block","children":[{"_key":"259400adf5be","_type":"span","marks":[],"text":"Consumer Choice Award"}],"markDefs":[],"style":"h4"},{"_key":"c72295df38d2","_type":"block","children":[{"_key":"8f7f9ea9866e","_type":"span","marks":[],"text":"Discover how our readers select the winners of our coveted Consumer Choice Award."}],"markDefs":[],"style":"normal"}],"image":{"_type":"mainImage","asset":{"_ref":"image-112cf22920832195d41e369755ed6905777437ed-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","textParagraph":[{"_key":"9693d7c0a22e","_type":"block","children":[{"_key":"8aea809806f40","_type":"span","marks":[],"text":"\nThis award was voted for by Boring Money readers. We asked readers to nominate their favourite investment platform and also asked about satisfaction and likelihood to recommend the service, so assessing both nominations but also strength of conviction. The award reflects our readers’ opinion and preferences.\n\n"},{"_key":"5f3ceefbe188","_type":"span","marks":["strong"],"text":"Winner: "},{"_key":"35b60060f994","_type":"span","marks":["strong","29a6595ac713"],"text":"interactive investor"},{"_key":"39eb0dc5c670","_type":"span","marks":[],"text":"\n\n"},{"_key":"2cdab8ca9c40","_type":"span","marks":["strong"],"text":"Highly commended: "},{"_key":"902955821978","_type":"span","marks":["strong","f99f2ae47d6d"],"text":"AJ Bell"},{"_key":"3b01c83a0c17","_type":"span","marks":["strong"],"text":" and "},{"_key":"a51e888ec97a","_type":"span","marks":["strong","4961991d4369"],"text":"Trading 212"}],"markDefs":[{"_key":"29a6595ac713","_type":"internalLinkPick","reference":{"_ref":"22d041fa-4595-43c0-9055-7853b8b849f0","_type":"reference"}},{"_key":"f99f2ae47d6d","_type":"internalLinkPick","reference":{"_ref":"1dbcb796-5201-4542-a5fd-e9d2d02257e5","_type":"reference"}},{"_key":"4961991d4369","_type":"internalLinkPick","reference":{"_ref":"28f324b0-a9ce-4a8e-95a1-2aa75444467c","_type":"reference"}}],"style":"normal"}]},{"_key":"9a9904df8dd9","_type":"tabsTextboxItem","customTabText":[{"_key":"2ed3459b705c","_type":"block","children":[{"_key":"acc2eeb0d546","_type":"span","marks":[],"text":""},{"_key":"0e4121f4a450","_type":"mainAnchor","pageAnchor":{"_ref":"d38f27d8-2458-42bb-84f2-99b7c1f1e5c0","_type":"reference"}},{"_key":"c420aedbf8360","_type":"span","marks":[],"text":"Value For Money Award"}],"markDefs":[],"style":"h4"},{"_key":"4f7157ac071e","_type":"block","children":[{"_key":"3a3278df3bf10","_type":"span","marks":[],"text":"Discover how we select the winners of our coveted Value For Money award."}],"markDefs":[],"style":"normal"}],"fullSizeImage":{"_type":"mainImage","blankAltTag":false},"image":{"_type":"mainImage","asset":{"_ref":"image-cf84a0aaa79c358847c6d2b6f972d1131b7b366f-3375x3375-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","textParagraph":[{"_key":"971800712038","_type":"block","children":[{"_key":"c1e487a8f22d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"eaf78957902c","_type":"block","children":[{"_key":"846dc04096360","_type":"span","marks":[],"text":"The Value For Money category relies entirely on the customer perspective, acknowledging the complex and subjective nature of value. This award is voted by platform users and is not scored or judged by Boring Money. Throughout 2024, we collected a rating from 11,266 platform customers who were asked to score the platform they used for Value For Money out of 10.\n"}],"markDefs":[],"style":"normal"},{"_key":"cf99b2710722","_type":"block","children":[{"_key":"73ac8c06a8a7","_type":"span","marks":["strong"],"text":"See the winners "},{"_key":"e5c3999900fd","_type":"span","marks":["aaf03d15ba19","strong"],"text":"here"},{"_key":"1953fffc243c","_type":"span","marks":["strong"],"text":"."}],"markDefs":[{"_key":"aaf03d15ba19","_type":"internalLinkPick","reference":{"_ref":"761488e4-e055-4464-95fb-bca84ca22570","_type":"reference"}}],"style":"normal"}]}]},{"_key":"5f2e74ef6578c744d7b566599dd8bb7d","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"95414b5c32a0","_type":"block","children":[{"_key":"50d62b660a5a","_type":"span","marks":[],"text":"How do we choose our winners?"}],"markDefs":[],"style":"h3"},{"_key":"caa226c4aba8","_type":"block","children":[{"_key":"49a089d80fae","_type":"span","marks":[],"text":"We scour the investment market using our 8 years' of experience, a combination of 40+ live accounts, 100s of hours of call centre testing, rigorous cost analysis from our team of in-house analysts, and over 22,000 real customer reviews to help you find the best home for your money. "},{"_key":"d6df569c7ea7","_type":"span","marks":["strong"],"text":"The result? A hand-picked selection of the very best investment providers on the market today."}],"markDefs":[],"style":"normal"},{"_key":"607ca39983f8","_type":"block","children":[{"_key":"6078ee38960e0","_type":"span","marks":[],"text":"‏‏‎ ‎"}],"markDefs":[],"style":"normal"}],"linkText":"OUR METHODOLOGY","reference":{"_ref":"9e12dca7-1836-4410-acc1-6bc412092eaf","_type":"reference"},"styles":"White"}],"emailSignupWidgetButtonText":"JOIN US","emailSignupWidgetParagraphText":"Winners 2025: The UK's top investment providers revealed!\n\n\n\n\n\n","enableGatedContent":true,"excerpt":[{"_key":"1b3e4946a28c","_type":"block","children":[{"_key":"7ee2f6e868600","_type":"span","marks":[],"text":"Explore the top investment providers of 2025 with Boring Money's Best Buy Awards. Our expert reviews and real customer feedback help you make informed investment decisions across all types of investments."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue background  - Text center - Slide up from bottom of page","gatedContentBody":[{"_key":"b4a916d8c413","_type":"heroSection","alignment":"Text Right","brazeCustomAttributes":[{"_key":"d4a0b2b3abe7","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_BBawards2025","customAttributeValue":"SIGNUPPAGE_BM_BBawards2025"}],"introPara":[{"_key":"0b57ad5bf6e9","_type":"block","children":[{"_key":"596844fa6f28","_type":"span","marks":[],"text":"How we choose the UK's best investment providers:"}],"markDefs":[],"style":"h1"},{"_key":"a1859fb62aae","_type":"block","children":[{"_key":"2c54bc15c6bf","_type":"span","marks":[],"text":"Is your investment provider truly giving you the best value? With fees potentially eating thousands from your investment returns and savings, choosing the right platform matters more than ever."}],"markDefs":[],"style":"normal"},{"_key":"892526ff0644","_type":"block","children":[{"_key":"c6d8ef30bde9","_type":"span","marks":[],"text":"Our 2025 Best Buy Awards cut through the noise to reveal which UK providers "},{"_key":"34f25c250535","_type":"span","marks":["em"],"text":"actually"},{"_key":"137a910faf1b","_type":"span","marks":[],"text":" deliver the best experience for investors like you. "}],"markDefs":[],"style":"normal"},{"_key":"5c01f4d7df5d","_type":"block","children":[{"_key":"c722ab57834a","_type":"span","marks":[],"text":"Based on over 22,000 customer reviews and months of rigorous testing, here's how we identify the companies worth your money."}],"markDefs":[],"style":"normal"},{"_key":"82fb57fcc67c","_type":"block","children":[{"_key":"1f17b81fca2e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-d3f9efb1ce23be27e62043346c09f68519c5a2c3-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"f6da89af-f94e-4900-a721-74a59bfe90d3","_type":"reference"},"styles":"Half-Padding-White","thankYouText":[{"_key":"906e9c7f547b","_type":"block","children":[{"_key":"ae85e273070c0","_type":"span","marks":[],"text":"How We Choose the UK's Best Investment Platforms: "}],"markDefs":[],"style":"h1"},{"_key":"50a0f215b012","_type":"block","children":[{"_key":"28f30e4b547e0","_type":"span","marks":[],"text":"Is your investment platform truly giving you the best value? With fees potentially eating thousands from your retirement savings, choosing the right platform matters more than ever."}],"markDefs":[],"style":"normal"},{"_key":"69c01d3064fb","_type":"block","children":[{"_key":"62b8f572f9900","_type":"span","marks":[],"text":"Our 2025 Best Buy Awards cut through the marketing noise to reveal which UK investment platforms actually deliver the best experience for investors like you. Based on over 22,000 customer reviews and months of rigorous testing, here's how we identify the platforms worth your money."}],"markDefs":[],"style":"normal"},{"_key":"3da6e22a5c7b","_type":"block","children":[{"_key":"b8ca9bbeea280","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"How we choose the UK's best investment providers:"}],"gatedContentReadMoreText":[{"_key":"3bb30e26e786","_type":"block","children":[{"_key":"40f95b1ea0880","_type":"span","marks":[],"text":"\n🔒 Subscribers get exclusive access to:"}],"markDefs":[],"style":"normal"},{"_key":"80b73a1ae7a7","_type":"block","children":[{"_key":"d8e4f72a9741","_type":"span","marks":[],"text":"Complete rankings and detailed analysis of all winners"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"2d123d2b7f0e","_type":"block","children":[{"_key":"4b1bb4ef1e8b","_type":"span","marks":[],"text":"Cost comparison calculator for your portfolio size"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"35216fc6c13a","_type":"block","children":[{"_key":"8d81991fad18","_type":"span","marks":[],"text":"Platform selection tool based on your specific needs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"341ec0086c1a","_type":"block","children":[{"_key":"ad6ab0d71d02","_type":"span","marks":[],"text":"Expert insights on upcoming platform developments\n\n"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"isPrivatePage":false,"publishedAt":"1970-07-01T15:05:00.000Z","slug":{"_type":"slug","current":"boring-money-awards-2025"},"subfolder":{"_id":"83495465-d1dd-4049-a955-b065009036e6","_type":"folderCategory","_rev":"JrRx5dLFvUMQ8OBF5uu6go","_createdAt":"2021-05-11T10:23:25Z","_updatedAt":"2023-08-04T11:11:48Z","description":"/","folder":"/","id":"-f6e09d1c-fce6-5f27-bf98-8d255a16b84b","children":[],"parent":null},"textNextToKey":"Join 50,000+ investors getting our independent platform research - Free!","theme":"Boring Money theme","title":"Boring Money Best Buy Awards 2025","id":"-59e9daac-5536-52dc-b300-457a18486564","children":[],"parent":null}}],"style":"normal"},{"_key":"c6ae0e24cce3","_type":"block","children":[{"_key":"0324624a5eed","_type":"span","marks":[],"text":"Our awards are the result of months of independent research, including 40+ live accounts, hours of call centre testing, rigorous cost analysis from our team of in-house analysts, and over 27,000 real customer reviews - all to determine the very best providers on the market."}],"markDefs":[],"style":"normal"},{"_key":"f531ebcb6169","_type":"block","children":[{"_key":"3bd7c4a0b7eb0","_type":"span","marks":[],"text":"​Featured in ads on the tube, on brand homepages and even in national press, our Best Buy Awards are recognised by the industry and investors alike as a badge of honour for the providers who win our hard-won seal of approval."}],"markDefs":[],"style":"normal"},{"_key":"7a5bc92c23f8","_type":"block","children":[{"_key":"41624787d8f1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"fa9a873dda73","_type":"block","children":[{"_key":"2d5c70e17dd8","_type":"span","marks":[],"text":"How do we choose our winners?"}],"markDefs":[],"style":"h2"},{"_key":"62b16da21b39","_type":"block","children":[{"_key":"19512b63adaa0","_type":"span","marks":[],"text":"The Boring Money Best Buy Awards take our in-house team of analysts over 3 months to research and collate to recognise all-round excellence."}],"markDefs":[],"style":"normal"},{"_key":"3bb60d440a88","_type":"block","children":[{"_key":"1800e520b7bc","_type":"span","marks":[],"text":"They are compiled using a range of criteria which we believe represent a comprehensive customer experience. These include:"}],"markDefs":[],"style":"normal"},{"_key":"4ef703d2ba3e","_type":"block","children":[{"_key":"802fc61ca144","_type":"span","marks":[],"text":"Over 31,000 customer reviews"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"035f04502b7c","_type":"block","children":[{"_key":"13761d1089520","_type":"span","marks":[],"text":"Website analysis and logged-in testing from our live test accounts"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"5ce63d6846e7","_type":"block","children":[{"_key":"c849dda2980d0","_type":"span","marks":[],"text":"Feature testing across a wide range of criteria"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a5bb01ceacab","_type":"block","children":[{"_key":"e3ee6404d98c","_type":"span","marks":[],"text":"Detailed cost analysis for different portfolio sizes and trading assumptions"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4e80a4a30026","_type":"block","children":[{"_key":"7ebac07a59e9","_type":"span","marks":[],"text":"Customer service testing for call centres and support"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e655e774ecb0","_type":"block","children":[{"_key":"d7def0403cdb","_type":"span","marks":[],"text":"The view of our Founder & CEO and investment expert, "},{"_key":"b35d7ce88e49","_type":"span","marks":["76ec4fd75c1a"],"text":"Holly Mackay"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"76ec4fd75c1a","_type":"internalLinkPick","reference":{"_id":"6dff6a49-b6ac-46cf-abed-819cb7486e2d","_type":"information","_rev":"HaE9Y1GS3p0U3ZL8rklNnV","_createdAt":"2021-07-16T11:30:42Z","_updatedAt":"2026-04-15T11:53:49Z","_system":{"base":{"id":"6dff6a49-b6ac-46cf-abed-819cb7486e2d","rev":"uyJSzIis1XqQu6ECMAEfzx"}},"authors":[{"_key":"972fe88ac439","_type":"personReference","people":{"_ref":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","_type":"reference"}}],"authorsText":[{"_key":"7081a4fda18e","_type":"block","children":[{"_key":"cce87df09fe6","_type":"span","marks":[],"text":"By "},{"_key":"db32313bfdb3","_type":"span","marks":["strong"],"text":"Holly Mackay"},{"_key":"b3bc91ef42ea","_type":"span","marks":[],"text":", Founder & CEO"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"b0761a2cdd02","_type":"block","children":[{"_key":"6b96d178c89a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c66635a2a32e","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","alt":"Holly Mackay's investments","asset":{"_ref":"image-24683b4ce84fd7db823e12a087f757ebf259847f-1000x1000-png","_type":"reference"}},"quote":[{"_key":"784780db7dd8","_type":"block","children":[{"_key":"b2da16bb45bc0","_type":"span","marks":[],"text":"I write this page not because I want people to take it as advice or recommendations BUT because I know that you feel suspicious about people in finance. Most of you ask me where I invest. What I do with my own savings. Many of you have been burned before and assume that any pundits have an ulterior motive. Or take cash for bigging some things up."}],"markDefs":[],"style":"normal"},{"_key":"38141218caac","_type":"block","children":[{"_key":"2a07f49823830","_type":"span","marks":[],"text":"We are fiercely independent at Boring Money. We understand that we are talking to you about your money and your life. We won’t abuse that. I was brought up by a Scottish accountant who is the most painstakingly honest ‘unsung hero’ I know. And he taught me to say what I think and be honest. So – even though you don’t know me – you have my personal promise that anything we say we like on this site is because we do."}],"markDefs":[],"style":"normal"},{"_key":"396b27440000","_type":"block","children":[{"_key":"b11781b27a090","_type":"span","marks":[],"text":"I also have to say that I have quite so many accounts because I test as many as I can. What does it feel like as a customer? I certainly wouldn’t suggest anyone has as many accounts as this – nightmare! I’d also observe that I invest with a long timeframe so I’m on the hardcore spicy side of the spectrum!"}],"markDefs":[],"style":"normal"},{"_key":"05b1677afb87","_type":"block","children":[{"_key":"3727ca00341c0","_type":"span","marks":[],"text":"As of January 2025, I've listed out my investments below."}],"markDefs":[],"style":"normal"}]},{"_key":"f0e3fe11e97b","_type":"block","children":[{"_key":"f7f7200d535c0","_type":"span","marks":["strong"],"text":"Platforms and robo advisers (test accounts held with):"}],"markDefs":[],"style":"h4"},{"_key":"75685c2df554","_type":"block","children":[{"_key":"a56f809b84bc0","_type":"span","marks":[],"text":"AJ Bell"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"0a5fa1801c4e","_type":"block","children":[{"_key":"dc7f1b1c2a990","_type":"span","marks":[],"text":"Aviva"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d38dcc29ed4d","_type":"block","children":[{"_key":"55c54b22a2bc0","_type":"span","marks":[],"text":"Barclays Smart Investor"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4f83911bd370","_type":"block","children":[{"_key":"cd257d11fbd60","_type":"span","marks":[],"text":"Bestinvest"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"12bea86b7eaa","_type":"block","children":[{"_key":"9f16fb2868fa","_type":"span","marks":[],"text":"Charles Stanley Direct"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"cabd59e94f24","_type":"block","children":[{"_key":"165b68d2eb29","_type":"span","marks":[],"text":"Chelsea"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7df3bb841dff","_type":"block","children":[{"_key":"ee529494b0d90","_type":"span","marks":[],"text":"CMC invest"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"cd36fc141379","_type":"block","children":[{"_key":"20c59b88b8b20","_type":"span","marks":[],"text":"Columbia Threadneedle"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"cc9084e50b35","_type":"block","children":[{"_key":"e2f6ed39a5720","_type":"span","marks":[],"text":"Dodl"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a8385b9ddada","_type":"block","children":[{"_key":"5dfb3bd1f5dd0","_type":"span","marks":[],"text":"eToro"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"679cd7beb1d1","_type":"block","children":[{"_key":"08e9cc8b83fe0","_type":"span","marks":[],"text":"Fidelity"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"793dbc40e00a","_type":"block","children":[{"_key":"9fabedd4a7120","_type":"span","marks":[],"text":"Freetrade"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ad762a345408","_type":"block","children":[{"_key":"6fe239b949c70","_type":"span","marks":[],"text":"Halifax"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"280c6373d79d","_type":"block","children":[{"_key":"e7566253a9fe0","_type":"span","marks":[],"text":"Hargreaves Lansdown"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d6d5cbfb352c","_type":"block","children":[{"_key":"a6d46c781c880","_type":"span","marks":[],"text":"HSBC"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b9652d198e0f","_type":"block","children":[{"_key":"5d807e1e2a1a0","_type":"span","marks":[],"text":"Interactive Investor"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"47b976a0f98b","_type":"block","children":[{"_key":"c86698ab6deb0","_type":"span","marks":[],"text":"InvestEngine"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e651f3307edb","_type":"block","children":[{"_key":"e6e9970d72960","_type":"span","marks":[],"text":"iWeb"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"9edc85bd4eec","_type":"block","children":[{"_key":"59ba2d41fdce","_type":"span","marks":[],"text":"J.P. Morgan Personal Investing"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e04111de470d","_type":"block","children":[{"_key":"6fcd33161cd6","_type":"span","marks":[],"text":"Lightyear"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"33a041c40dd0","_type":"block","children":[{"_key":"d1dd2d13130c0","_type":"span","marks":[],"text":"Moneybox"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"6f418c24d7a4","_type":"block","children":[{"_key":"cb5210f305c50","_type":"span","marks":[],"text":"MoneyFarm"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"2b356291b6ae","_type":"block","children":[{"_key":"3efda3e0b8130","_type":"span","marks":[],"text":"Monzo"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8687d42b5f30","_type":"block","children":[{"_key":"85da2d42e2b70","_type":"span","marks":[],"text":"Plum"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"cdb7977de3b2","_type":"block","children":[{"_key":"ed0c636e4eaa","_type":"span","marks":[],"text":"Quilter Invest"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"9ef72cc2a40e","_type":"block","children":[{"_key":"02019409eea40","_type":"span","marks":[],"text":"Santander Investment Hub"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e43987277b0e","_type":"block","children":[{"_key":"94ce6f85be21","_type":"span","marks":[],"text":"Saxo"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a7222c89e0e0","_type":"block","children":[{"_key":"e57568cfbd990","_type":"span","marks":[],"text":"Standard Life"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8be2c2904541","_type":"block","children":[{"_key":"7b16cddc0c370","_type":"span","marks":[],"text":"Trading212"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"df045d3669d6","_type":"block","children":[{"_key":"37a005f900000","_type":"span","marks":[],"text":"True Potential"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d7e3723767af","_type":"block","children":[{"_key":"4ea95950176b","_type":"span","marks":[],"text":"Vanguard"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e7ee1083dcbd","_type":"block","children":[{"_key":"2b597f74da30","_type":"span","marks":[],"text":"Virgin Money"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f23e69f0e344","_type":"block","children":[{"_key":"18a065ec89e40","_type":"span","marks":[],"text":"Wealthify"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f23ff53098ce","_type":"block","children":[{"_key":"ce2b508ff0b30","_type":"span","marks":[],"text":"Willis Owen"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e8b441bdab0d","_type":"block","children":[{"_key":"91907902b9960","_type":"span","marks":["strong"],"text":"Funds and shares:"}],"markDefs":[],"style":"h4"},{"_key":"95eb956a11bd","_type":"block","children":[{"_key":"0cd25b00343f","_type":"span","marks":[],"text":"Baillie Gifford China Growth Trust"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"2726d998aa38","_type":"block","children":[{"_key":"f2af73aa121f","_type":"span","marks":[],"text":"Edinburgh Worldwide Trust"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"34fba623ac67","_type":"block","children":[{"_key":"65ad97ea178b","_type":"span","marks":[],"text":"Fidelity Index World"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c9e06cb78263","_type":"block","children":[{"_key":"564be3deeea5","_type":"span","marks":[],"text":"First Sentier Global Listed Infrastructure"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"001a9ee21551","_type":"block","children":[{"_key":"19e3a04b0154","_type":"span","marks":[],"text":"iShares plc Core FTSE 100 ETF"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ed0f42a11984","_type":"block","children":[{"_key":"42fc4be423e5","_type":"span","marks":[],"text":"iShares Core MSCI World"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"3016e2564f8d","_type":"block","children":[{"_key":"b9c1356ecb2f","_type":"span","marks":[],"text":"iShares MSCI Korea"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"55a7ca6b64d1","_type":"block","children":[{"_key":"a1fc1f490c96","_type":"span","marks":[],"text":"iShares Physical Metals"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"50bce884a083","_type":"block","children":[{"_key":"c6767569c19b","_type":"span","marks":[],"text":"St James Place shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8ed8f2ac6448","_type":"block","children":[{"_key":"dc347b918472","_type":"span","marks":[],"text":"JPMorgan Emerging Markets Investment Trust plc"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"491121237e43","_type":"block","children":[{"_key":"0b4242568056","_type":"span","marks":[],"text":"Polar Capital Healthcare Trust"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c0d1107e5749","_type":"block","children":[{"_key":"88600667b206","_type":"span","marks":[],"text":"Scottish Mortgage Investment Trust plc"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"2981793b4269","_type":"block","children":[{"_key":"eb87c17f8586","_type":"span","marks":[],"text":"Treasury 0.375% 22/10/2026"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"83a30c44be06","_type":"block","children":[{"_key":"f2f630dd9378","_type":"span","marks":[],"text":"Vanguard LifeStrategy 100% Equity"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"197d1b4f5fe4","_type":"block","children":[{"_key":"54eb7ebeac66","_type":"span","marks":[],"text":"Vanguard FTSE100"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"3136b3c4f8ab","_type":"block","children":[{"_key":"64ec92641aff","_type":"span","marks":[],"text":"VanEck Defense ETF\n"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"60d767b32469","_type":"block","children":[{"_key":"21e7bcd113db","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"62de61065560","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","alt":"Holly Mackay's investments","asset":{"_ref":"image-24683b4ce84fd7db823e12a087f757ebf259847f-1000x1000-png","_type":"reference"}},"quote":[{"_key":"f35d22ea942f","_type":"block","children":[{"_key":"10f610a2023a","_type":"span","marks":[],"text":"Just like a chef who eats baked beans at home, purists will observe that my asset allocation could be better and this portfolio will not lie on the efficient frontier and I’m overly exposed to non-hedged US tech stocks and blah blah blah… all criticisms will probably be right and this is here for transparency rather than to show myself as God’s Gift to Investing!"}],"markDefs":[],"style":"normal"}]},{"_key":"11bde0a1e67a","_type":"block","children":[{"_key":"b58443dde811","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"excerpt":[{"_key":"5291bf74ab8c","_type":"block","children":[{"_key":"9100b2cac32c","_type":"span","marks":[],"text":"A comprehensive breakdown of the investments that Holly Mackay, Founder and CEO at Boring Money, holds. "}],"markDefs":[],"style":"normal"}],"hideRelatedContent":true,"mainImage":{"_type":"mainImage","alt":"Holly Mackay, Boring Money Founder & CEO, and her investments","asset":{"_ref":"image-24683b4ce84fd7db823e12a087f757ebf259847f-1000x1000-png","_type":"reference"}},"noIndex":true,"publishedAt":"2025-01-06T11:39:00.261Z","slug":{"_type":"slug","current":"hollys-investments"},"subfolder":{"_id":"83495465-d1dd-4049-a955-b065009036e6","_type":"folderCategory","_rev":"JrRx5dLFvUMQ8OBF5uu6go","_createdAt":"2021-05-11T10:23:25Z","_updatedAt":"2023-08-04T11:11:48Z","description":"/","folder":"/","id":"-f6e09d1c-fce6-5f27-bf98-8d255a16b84b","children":[],"parent":null},"subtitle":"Boring Money's Founder & CEO, Holly Mackay","template":"C-SB","theme":"Boring Money theme","title":"Holly's investments","widgets":[{"_key":"e3cde9dbec36","_ref":"3fefd2ec-9177-427c-9149-529cd1417d24","_type":"reference"}],"id":"-d93b07a7-386b-5945-9248-4577b6495f2d","children":[],"parent":null}}],"style":"normal"},{"_key":"f5c57eebd807","_type":"block","children":[{"_key":"b693d90cf7590","_type":"span","marks":[],"text":"Customer ratings on value, service, and website/app experience"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"9ece28d3178d","_type":"block","children":[{"_key":"23825eeff7b30","_type":"span","marks":[],"text":"Size and longevity of the platform in the market"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"3b98d2b018af","_type":"block","children":[{"_key":"b2b7d372f64b","_type":"span","marks":[],"text":"Explanation of components"}],"markDefs":[],"style":"h3"},{"_key":"17fd8f4fca57","_type":"block","children":[{"_key":"7b4fd56831eb","_type":"span","marks":["strong"],"text":"Front-end testing:"},{"_key":"75beb4a5bc70","_type":"span","marks":[],"text":" Multiple analysts from the BM team conduct a thorough review of the brand’s website as a prospective customer sees it, rating a provider on various metrics, including navigation, guidance, tools, clarity, and engagement."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ca80dfe39f19","_type":"block","children":[{"_key":"41607b83503e","_type":"span","marks":["strong"],"text":"Back-end testing"},{"_key":"894308278eb3","_type":"span","marks":[],"text":": This focuses on the logged-in experience and includes an assessment of how portfolio performance is presented to customers, ease of accessing key documents, and the analytical functionality each provider offers."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"fcf986bf54e7","_type":"block","children":[{"_key":"143ff5da3d54","_type":"span","marks":["strong"],"text":"Feature testing"},{"_key":"87e16e8054db","_type":"span","marks":[],"text":": BM analysts look at over 25 features that an ideal investment provider should have (determined by our research & consumer feedback) and assess each provider on this metric."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"414f43e45c31","_type":"block","children":[{"_key":"dd99fa344ae3","_type":"span","marks":["strong"],"text":"Holly Mackay's score"},{"_key":"516992a95435","_type":"span","marks":[],"text":": Our Founder & CEO, Holly Mackay, reviews every platform and gives a score from her perspective as a market-expert and primary test account holder."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"0c65cc7d748d","_type":"block","children":[{"_key":"266457bab690","_type":"span","marks":["strong"],"text":"Customer ratings"},{"_key":"5fbbd384d883","_type":"span","marks":[],"text":": Platform customers’ provider ratings for components of value, service, and website/app experience (as provided to us via our "},{"_key":"953e9b3bba28","_type":"span","marks":["163686d6bf2f"],"text":"Platform Investor Tracker"},{"_key":"0bf9a0cdaa8c","_type":"span","marks":[],"text":" surveys or directly via our provider review pages)."}],"level":1,"listItem":"bullet","markDefs":[{"_key":"163686d6bf2f","_type":"internalLinkPick","reference":{"_id":"6b616fc9-bc9c-445f-a6ce-2466db319acb","_type":"linkCategory","_rev":"8sLbU849Ngr6bwLlcU0aGy","_createdAt":"2026-01-21T13:24:03Z","_updatedAt":"2026-01-21T13:24:16Z","description":"b2B platform investor tracker","url":"https://www.boringmoneybusiness.co.uk/data-and-tracker-services/platform-investor-tracker/","id":"-7357df2b-5ff3-5512-ae85-730dc7914317","children":[],"parent":null}}],"style":"normal"},{"_key":"684532f2d160","_type":"block","children":[{"_key":"0b5a5ed3eb10","_type":"span","marks":["strong"],"text":"Cost score"},{"_key":"e191ece00618","_type":"span","marks":[],"text":": BM analysts run through a series of cost scenarios with a range of inputs, factoring in various portfolio sizes and trading frequencies."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"fab1e99514ca","_type":"block","children":[{"_key":"a69065b268c8","_type":"span","marks":["strong"],"text":"Call centre analysis:"},{"_key":"6526acb70d14","_type":"span","marks":[],"text":" BM calls each provider multiple times and provides a score based on answer waiting times. These calls are conducted across multiple days and are evenly spread throughout the day. BM also assesses the opening hours for the call centres of each provider."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"3f5c6dbccf32","_type":"block","children":[{"_key":"55b82791b57b","_type":"span","marks":["strong"],"text":"Investment range"},{"_key":"8e4748e82fc7","_type":"span","marks":[],"text":": BM assesses the range of investment types offered by each provider, covering funds, "},{"_key":"f96a37bc4c96","_type":"span","marks":["c600ead37aa3"],"text":"shares"},{"_key":"b4212e4ea8ec","_type":"span","marks":[],"text":", "},{"_key":"6ae344d88de2","_type":"span","marks":["89bb400063ce"],"text":"ETFs,"},{"_key":"e2ae4020ea33","_type":"span","marks":[],"text":" "},{"_key":"89b12d0fa0d8","_type":"span","marks":["3eb7f7cb5053"],"text":"Investment Trusts"},{"_key":"ed5876d4672c","_type":"span","marks":[],"text":", and "},{"_key":"f3dff003f305","_type":"span","marks":["7d928237d24b"],"text":"Ready-Made Solutions"},{"_key":"f9327175b1a0","_type":"span","marks":[],"text":"."}],"level":1,"listItem":"bullet","markDefs":[{"_key":"c600ead37aa3","_type":"internalLinkPick","reference":{"_id":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"information","_rev":"w7AcJHr77MNAajxBeCBsLw","_createdAt":"2021-06-22T10:37:39Z","_updatedAt":"2025-12-12T09:07:12Z","_system":{"base":{"id":"5b858673-70a9-4b94-bbfb-aec333a62ae9","rev":"GAdsNjPaIuANdYqh0lcv2U"}},"authors":[{"_key":"51b2fa4d444b","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"1a609e178132","_type":"block","children":[{"_key":"43b14faa8ddc","_type":"span","marks":["strong"],"text":"By Boring Money "}],"markDefs":[],"style":"normal"}],"body":[{"_key":"9c488de311ee","_type":"anchorMenuMobile","title":"s"},{"_key":"447c6d468db6","_type":"block","children":[{"_key":"06520afc7487","_type":"span","marks":[],"text":""},{"_key":"c98d57798740","_type":"mainAnchor","pageAnchor":{"_ref":"e9c0177b-6542-485b-8b54-b2dde687a66d","_type":"reference"}},{"_key":"35fae524f7f9","_type":"span","marks":[],"text":"The basics of shares"}],"markDefs":[],"style":"h2"},{"_key":"5f60b3bfdfc8","_type":"block","children":[{"_key":"e53719543f25","_type":"span","marks":[],"text":"In a nutshell"}],"markDefs":[],"style":"h3"},{"_key":"ada52ffdefc5","_type":"textboxWidget","text":[{"_key":"e4f0cc02c3dd","_type":"block","children":[{"_key":"7f6e442dceec","_type":"span","marks":[],"text":"Also called \"stocks\" or \"equities\""}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1bd68c0c4670","_type":"block","children":[{"_key":"4d6b991fc585","_type":"span","marks":[],"text":"Like buying a small slice of a company"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d6fd721e33fa","_type":"block","children":[{"_key":"678923f56f99","_type":"span","marks":[],"text":"Can be bought individually or as part of other products, such as "},{"_key":"89ceb45b1a6c","_type":"span","marks":["84721b33c79c"],"text":"funds"},{"_key":"9a01627063b6","_type":"span","marks":[],"text":", "},{"_key":"d07dc9ea82c7","_type":"span","marks":["6cf0634b52cc"],"text":"ETFs"},{"_key":"6dae4cb2b50c","_type":"span","marks":[],"text":" or "},{"_key":"81348edefda6","_type":"span","marks":["aa7e1918e3fc"],"text":"investment trusts"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"6cf0634b52cc","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}},{"_key":"aa7e1918e3fc","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}},{"_key":"84721b33c79c","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"982614bc184e","_type":"block","children":[{"_key":"3056c5772a6f","_type":"span","marks":[],"text":"Typically riskier than cash (especially if you only invest in a select few)"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"3c834965d9f9","_type":"block","children":[{"_key":"82421e363da3","_type":"span","marks":[],"text":""},{"_key":"b8bf69e879a3","_type":"mainAnchor","pageAnchor":{"_ref":"224d5d05-5125-4c55-9f64-54bd1984234b","_type":"reference"}},{"_key":"3f27679e917a","_type":"span","marks":[],"text":"What are shares?"}],"markDefs":[],"style":"h2"},{"_key":"fa1d123377a8","_type":"block","children":[{"_key":"f457d87714fc","_type":"span","marks":[],"text":"Our Founder & CEO Holly Mackay explains what you need to know about shares and how they work in the bitesized video below."}],"markDefs":[],"style":"normal"},{"_key":"e9683ef541ea","_type":"block","children":[{"_key":"a4dd9b2bd85a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"996bf6bc4056","_type":"mainVideo","url":"https://vimeo.com/781082178"},{"_key":"14b6f2a99aeb","_type":"block","children":[{"_key":"ab9ca93ca293","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"331e2da9213a","_type":"block","children":[{"_key":"4c988b950ac7","_type":"span","marks":[],"text":"\nInvesting, at the heart of it, is about putting your money into businesses you believe have the potential to grow. This is where shares come in. They let us own a small slice of a company, so if they do well, so do we. And if they flop, we lose money."}],"markDefs":[],"style":"normal"},{"_key":"a0e51805f65c","_type":"block","children":[{"_key":"1d694591f0bd0","_type":"span","marks":[],"text":"Also known as stocks, or equities, shares exist to enable companies to raise money to fund their activity and growth. Individuals or companies buy shares, and give that company some money in return for ownership of a small piece of that business."}],"markDefs":[],"style":"normal"},{"_key":"059b41aceadf","_type":"block","children":[{"_key":"e2ce0bb15dbb0","_type":"span","marks":[],"text":"The thought process behind buying a share is no more complicated than what you see on Dragon's Den. You're the dragon trying to work out if you should invest in the company or not. But buying a single share can actually be a risky way to access the stock market. Why? Well, you're putting all your eggs in one basket."}],"markDefs":[],"style":"normal"},{"_key":"406e204d28d3","_type":"block","children":[{"_key":"8fe730591b110","_type":"span","marks":[],"text":"We spoke to a lady who was horrified that she bought M&S shares and they went down. \"I mean, it was M&S! They're really busy!\" Just because it's a big brand which looks safe and solid, doesn't necessarily mean they're making decent profits that year or tracking to plan. "}],"markDefs":[],"style":"normal"},{"_key":"a8166423face","_type":"block","children":[{"_key":"fb63eec8d60f","_type":"span","marks":[],"text":""},{"_key":"47a7d68d0f5b","_type":"mainAnchor","pageAnchor":{"_ref":"418e4e74-c858-4625-9d7a-8c06f7c6e4ad","_type":"reference"}},{"_key":"758bdfebe7ed","_type":"span","marks":[],"text":"Are shares right for me?"}],"markDefs":[],"style":"h2"},{"_key":"0deb8561d20a","_type":"block","children":[{"_key":"c181c818cb3f","_type":"span","marks":[],"text":"15% of UK adults own shares [1], but they're not the right sort of investment for everyone - especially if you're low on time or looking for an easy way to put your money behind several companies. Here's an overview of some of the main pros and cons of shares."}],"markDefs":[],"style":"normal"},{"_key":"db9f89042c3f","_type":"prosConsWidget","cons":["Want a global mix of investments ","Are time poor ","Will only choose 2 or 3!"],"consTitle":"Bad if you ","pros":["Actively follow the markets","Want to be in charge","Have time to dedicate to this "],"prosTitle":"Good if you "},{"_key":"c3a7ffeffbb7","_type":"block","children":[{"_key":"271a51c12db2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5b2ffecea1c4","_type":"block","children":[{"_key":"05c92c04fca2","_type":"span","marks":[],"text":""},{"_key":"4bc185b25eec","_type":"mainAnchor","pageAnchor":{"_ref":"126f92a2-61db-45bc-9444-4172007cc99b","_type":"reference"}},{"_key":"41d53cf47ed5","_type":"span","marks":[],"text":"Cash vs shares"}],"markDefs":[],"style":"h2"},{"_key":"bd1126eb98eb","_type":"block","children":[{"_key":"0612752e8969","_type":"span","marks":["strong"],"text":"If you had put £10,000 away in 2015, what would it be worth by the end of September 2025?"}],"markDefs":[]},{"_key":"a5368c85fe2c","_type":"block","children":[{"_key":"da32cdb4e3ce","_type":"span","marks":[],"text":"The graph below shows you a recent example of how cash has performed compared to stock market shares. For the purposes of this illustration, we've looked at the growth of a single £10,000 lump sum investment in cash and in two stock market indices: the "},{"_key":"c79b9014dcc5","_type":"span","marks":["4b175e3b60cd"],"text":"FTSE 100"},{"_key":"31e14e27f0b1","_type":"span","marks":[],"text":" and "},{"_key":"fa15bb1b35a8","_type":"span","marks":["ccbe1340ca9f"],"text":"MSCI World"},{"_key":"5e096fa1dd9d","_type":"span","marks":[],"text":" (you can read more about these below the image)."}],"markDefs":[{"_key":"4b175e3b60cd","_type":"glossaryPick","reference":{"_ref":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"reference"}},{"_key":"ccbe1340ca9f","_type":"glossaryPick","reference":{"_ref":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"reference"}}],"style":"normal"},{"_key":"a8cf71d02792","_type":"block","children":[{"_key":"d84597919bbd","_type":"span","marks":[],"text":"It's clear to see that leaving your money in cash (pink) led to significantly less growth over the period between 2015-2025 than if you had invested in stock markets. And although the British FTSE 100 Index (blue) didn't perform quite as well as MSCI World (green), it still climbed to £2,182 - compared to gains of just £1,180 from cash over the same time period. Of course, these numbers look measly compared to MSCI World's impressive £3,348 gain."}],"markDefs":[],"style":"normal"},{"_key":"eacbefb8908a","_type":"block","children":[{"_key":"7186a99d615e","_type":"span","marks":[],"text":"NB: The dip you can see after Q4 2019 reflects the start of the COVID-19 pandemic and subsequent global lockdowns."}],"markDefs":[],"style":"normal"},{"_key":"b33adb272cf6","_type":"frameWidget","href":"https://www.canva.com/design/DAG7OFE42_c/V25AjrWXM8szDDn7pZL9bg/view?embed"},{"_key":"9898bcddeff8","_type":"block","children":[{"_key":"2f05e2427ec8","_type":"span","marks":["em"],"text":"Source: FE FundInfo. "}],"markDefs":[],"style":"small"},{"_key":"906d1a3db60a","_type":"block","children":[{"_key":"b29deef19a8e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d745e25d9983","_type":"block","children":[{"_key":"d611edb2ae67","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"adb9f4083d5c","_type":"block","children":[{"_key":"22374dbfb4fe","_type":"span","marks":[],"text":""},{"_key":"c07bbbc35194","_type":"mainAnchor","pageAnchor":{"_ref":"223c3cb3-164a-4144-b7ec-60a049133752","_type":"reference"}},{"_key":"91a17272db40","_type":"span","marks":[],"text":"Will shares outperform cash in the next 10 years?"}],"markDefs":[],"style":"h2"},{"_key":"15bd2c48638c","_type":"block","children":[{"_key":"d367b10febfa","_type":"span","marks":[],"text":"Just like the weather, it's impossible to predict what the future holds. All we can do is show what has happened in the past. Shares are a bumpier ride than cash – and not a short-term thing. Anyone who says they can guarantee you'll make money is probably lying. There are risks. But research tells us that shares have done better than cash 9 times out of 10 over any 10 year period since the stock markets began."}],"markDefs":[],"style":"normal"},{"_key":"e51d6e72bf95","_type":"block","children":[{"_key":"9b843e253e7f0","_type":"span","marks":[],"text":"You buy and sell them on the stock market and, just like eBay, people make bids and offers. But it all happens super fast. Prices bounce up and down and at the end of the day it all comes down to sentiment – if loads of people want a slice of the action and these things are flavour of the month (think Nintendo after Pokemon Go), then prices rise as the sellers get a bit cockier. If people get turned off and the share in question is uncool, then everyone tries to offload them and the asking price falls."}],"markDefs":[],"style":"normal"},{"_key":"2c5c408f7745","_type":"block","children":[{"_key":"5517dd075cf1","_type":"span","marks":[],"text":"Curious about what's got investors' interest this week? Catch up with Holly's award-winning blog every Friday for the low-down on what's going on in stock markets, how it could impact your finances, and some no-nonsense food for thought to help you make better money choices."}],"markDefs":[],"style":"normal"},{"_key":"f73008bb0852","_type":"block","children":[{"_key":"1330f0821be2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2ce8804a8fc7","_type":"emailSignupWidget","brazeCustomAttributes":[{"_key":"8b471fe69932","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_blog","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/shares/"}],"emailSignupWidgetButtonText":"SIGN UP","image":{"_type":"mainImage","alt":"Image of Boring Money CEO Holly Mackay","asset":{"_ref":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png","_type":"reference"}},"paragraphText":"Sign up for no-nonsense tips, tricks and food for thought every Friday!","thankYouText":[{"_key":"ee1425e50c90","_type":"block","children":[{"_key":"03c4926a2d3f","_type":"span","marks":[],"text":"Thank you for signing up!"}],"markDefs":[],"style":"normal"}],"title":"Want to get Holly's weekly blog straight to your inbox?"},{"_key":"b2dea6276185","_type":"block","children":[{"_key":"023c64412ca5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"28d3689c637a","_type":"block","children":[{"_key":"76733dfbfc45","_type":"span","marks":[],"text":""},{"_key":"0a9998a15f58","_type":"mainAnchor","pageAnchor":{"_ref":"b51797d9-dc13-41da-a375-b898f0a9e850","_type":"reference"}},{"_key":"0c127d60e2f30","_type":"span","marks":[],"text":"How can I buy shares?"}],"markDefs":[],"style":"h2"},{"_key":"104c6e83ed38","_type":"block","children":[{"_key":"c60e50ec6f020","_type":"span","marks":[],"text":"Rather than going to companies directly and asking to buy a share of their business, we access shares through a central market otherwise known as the Stock Exchange. Companies will 'list' on the Stock Exchange, which means anyone can buy or sell a share."}],"markDefs":[],"style":"normal"},{"_key":"6b952a371b27","_type":"block","children":[{"_key":"c96caa808e100","_type":"span","marks":[],"text":"The Stock Exchange can be accessed through online investment platforms, many of which are beginner-friendly. These platforms allow you to purchase a small percentage of some of the world's largest companies - this ranges from BP to HSBC, Apple to Samsung, and Microsoft to British Airways."}],"markDefs":[],"style":"normal"},{"_key":"22300cbe9ed3","_type":"block","children":[{"_key":"7a5c50542b870","_type":"span","marks":[],"text":"You can either buy individual shares directly - through an online broker or an investment platform - or purchase a fund in order to get exposure to dozens of shares in one fell swoop. If you're new to investing and don't know where to start, check out our hand-selected Best For Beginners award winners to see which providers we think are the best starting point."}],"markDefs":[],"style":"normal"},{"_key":"6edb4bdd89cb","_type":"block","children":[{"_key":"b8900097f7ce","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best For Beginners award winners "}],"markDefs":[],"style":"normal"}],"_key":"61821a40134b","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"a69caddd-cb85-4c9a-99ff-29fa6f036de9","_type":"reference"},"text":"CLICK HERE"},{"_key":"adc43eba0539","_type":"block","children":[{"_key":"fa3bf0ee3f7a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ea21677253e9","_type":"block","children":[{"_key":"67c0573a3e1a","_type":"span","marks":[],"text":""},{"_key":"d6fc0adcefb5","_type":"mainAnchor","pageAnchor":{"_ref":"81ce9ca2-c137-4518-a387-0704343a7403","_type":"reference"}},{"_key":"a3c5345fe75c0","_type":"span","marks":[],"text":"Buying bulk shares through a fund"}],"markDefs":[],"style":"h3"},{"_key":"e398386f79e3","_type":"block","children":[{"_key":"87b61ebbd9e70","_type":"span","marks":[],"text":"The concept of buying shares through a "},{"_key":"5d2b30ca7f3e","_type":"span","marks":["69d28fa112e1"],"text":"fund"},{"_key":"b1c54b0016d7","_type":"span","marks":[],"text":" is similar to buying a mixed case of wine. You don't have time to pick individual bottles, or you don't want the responsibility of choosing the best, so you let it be done for you. You're outsourcing the selection of individual components to someone else."}],"markDefs":[{"_key":"69d28fa112e1","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"338dc4e1da41","_type":"block","children":[{"_key":"a6c6dd0980fc0","_type":"span","marks":[],"text":"A single fund will usually house around 30-60 shares. Whilst someone else may have invested £1,000 into an individual share, a very small percentage of your £1,000 may be invested in the same company. If that business then takes a hit, you won't be so badly affected - the majority of your money is invested elsewhere. Basically, you are spreading your bets for security."}],"markDefs":[],"style":"normal"},{"_key":"ed31383984b8","_type":"block","children":[{"_key":"db372dca686d0","_type":"span","marks":[],"text":"When investing through a fund, you are unlikely to have to pay trading or transaction fees. You will, however, encounter management fees throughout the duration of your investment. If you want to buy a few shares or a fund, then it's usually best to open up an account online and use your annual tax-free "},{"_key":"299e331da67d","_type":"span","marks":["3b82ca551e01"],"text":"ISA"},{"_key":"3e0755bd3239","_type":"span","marks":[],"text":" allowance if you can."}],"markDefs":[{"_key":"3b82ca551e01","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"},{"_key":"84839ede04c6","_type":"block","children":[{"_key":"3f2cb72aaf06","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best Buy ISAs for your investing needs"}],"markDefs":[],"style":"normal"}],"_key":"ac4d4573cacf","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"2ad629d9-20cb-4c7a-baa9-ff52494a3b0d","_type":"reference"},"text":"CLICK HERE"},{"_key":"92e08f9b828e","_type":"block","children":[{"_key":"d1d42ee1879b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dc479e2b8db6","_type":"block","children":[{"_key":"7222f974db16","_type":"span","marks":[],"text":""},{"_key":"399f39b611a8","_type":"mainAnchor","pageAnchor":{"_ref":"bd7d91db-0143-49c9-b079-df3872327a31","_type":"reference"}},{"_key":"a6579f69575f0","_type":"span","marks":[],"text":"Buying individual shares directly"}],"markDefs":[],"style":"h3"},{"_key":"b3155957d51f","_type":"block","children":[{"_key":"a1c8070511b00","_type":"span","marks":[],"text":"When buying individual shares directly, you will encounter trading costs. You will typically encounter about £10 a pop, and 0.5% stamp duty to the government. This can accumulate to become an expensive way of buying small shares. The upside is that after initial purchase, you will not have to pay management fees as you would have with a fund - there's nothing to manage."}],"markDefs":[],"style":"normal"},{"_key":"19188e074c4d","_type":"block","children":[{"_key":"3edc6186140b0","_type":"span","marks":[],"text":"Buying a couple of individual shares is a risky way to get exposure to the markets - especially for less experienced investors. You have all of your investment tied into one or two businesses. If it goes badly for them, you're in trouble."}],"markDefs":[],"style":"normal"},{"_key":"c1ea16d293cf","_type":"block","children":[{"_key":"a0d9ca4cc8680","_type":"span","marks":[],"text":"This method is good for people who like to take an interest in the market, are time-rich, and confident to make decisions themselves. Shares are not so good if you are busy, don’t feel expert in this subject, or will only pick shares in companies you know and love."}],"markDefs":[],"style":"normal"},{"_key":"14b7bafe231d","_type":"block","children":[{"_key":"784213c5029c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best For Share Traders award winners"}],"markDefs":[],"style":"normal"}],"_key":"9141a0d45cf4","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"fa64145d-bd4e-4150-8588-298ea7e3d5ff","_type":"reference"},"text":"CLICK HERE"},{"_key":"3135ea061a1a","_type":"block","children":[{"_key":"2d049f7f9571","_type":"span","marks":[],"text":"------"}],"markDefs":[],"style":"normal"},{"_key":"e4ce4c0148b1","_type":"block","children":[{"_key":"03f7ad822c7e","_type":"span","marks":[],"text":"[1] Online Investing Report, "},{"_key":"ec4be879d4a9","_type":"span","marks":["8cee69180130"],"text":"Boring Money "}],"markDefs":[{"_key":"8cee69180130","_type":"internalLinkPick","reference":{"_ref":"63b42a1b-dc9a-40bb-8a62-f580487de19e","_type":"reference"}}],"style":"normal"}],"categories":[{"_key":"171e98dc55ea","_ref":"9338f25b-7551-48c3-afff-03e9bc5608c3","_type":"reference"},{"_key":"912294bd8e37","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"0551e4791b33","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"},{"_key":"1287b6c4ce2e","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"excerpt":[{"_key":"947232828c12","_type":"block","children":[{"_key":"dd7bb8ce2ec7","_type":"span","marks":[],"text":"Shares simply let us own a small slice of a company. If they do well, so do we. If they flop, we lose money. Also known as stocks, or equities, shares exist to enable companies to raise money to fund their activity and growth."}],"markDefs":[],"style":"normal"}],"linkMenu":[{"_key":"ab3de5ca4b81","_ref":"a8e07a65-4c89-4487-8d36-74e328e9b292","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":"shares","asset":{"_ref":"image-e3cb48c2ce818fdd386c33daf36be5d713f09696-3840x2160-png","_type":"reference"}},"pageBreadcrumb":{"_id":"607e940b-a7e0-4ec1-a5fa-7ee603b14620","_type":"breadcrumbCategory","_rev":"f48ePDkw69Hgp2bEhRNFrD","_createdAt":"2023-05-19T14:21:08Z","_updatedAt":"2025-07-21T17:03:00Z","_system":{"base":{"id":"607e940b-a7e0-4ec1-a5fa-7ee603b14620","rev":"f48ePDkw69Hgp2bEhRNDjb"}},"breadcrumbList":[{"_key":"2a6b2cd6c280","_type":"breadcrumbReference","linkReference":{"_ref":"77a8222e-6c69-4668-941b-910d7abe4cff","_type":"reference"},"title":"Investing Guides"}],"breadcrumbName":"Investing Guides","id":"-4b423ba8-980c-519e-923d-523226bc8892","children":[],"parent":null},"publishedAt":"2025-12-11T16:43:20.418Z","slug":{"_type":"slug","current":"shares"},"subfolder":{"_id":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"folderCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2021-06-22T09:35:09Z","_updatedAt":"2021-06-22T09:35:09Z","folder":"/learn/investing-guides/product-guides/","id":"-57353ca1-a68f-5fa6-85ec-713254904371","children":[],"parent":null},"template":"SB-C","title":"Shares Explained: A Beginner’s Guide to Buying and Investing in Stocks","widgets":[{"_key":"784de124229e","_ref":"79cbfce0-99a3-451e-82d4-c0b6a4487777","_type":"reference"},{"_key":"6e44d89729b2","_ref":"2d98a13f-5211-453c-be9e-9785894654db","_type":"reference"},{"_key":"59aabf5d8de0","_ref":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","_type":"reference"},{"_key":"ea6e2095c7dc","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-51fe97e3-1e21-50cd-9dc2-d21bd0716ede","children":[],"parent":null}},{"_key":"89bb400063ce","_type":"internalLinkPick","reference":{"_id":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"landingPage","_rev":"82W3GKXTFwGqAwh8HDXiku","_createdAt":"2022-09-20T14:56:29Z","_updatedAt":"2026-01-14T14:28:04Z","MainImage":{"_type":"mainImage","asset":{"_ref":"image-c04e3eaafabb28f6a290281767cc19e2f3be11eb-1920x1080-png","_type":"reference"},"blankAltTag":true},"_system":{"base":{"id":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","rev":"NmPmcYSZQiZRdb1cEHFzxY"}},"content":[{"_key":"1a3aa98f3b80","_type":"breadcrumb","breadcrumbs":[{"_key":"b368dd1da769","_type":"breadcrumbReference","linkReference":{"_ref":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"reference"},"title":"ETF Hub"}]},{"_key":"71847ef1e9933010054d57a8692c75a7","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"65bea9aea932","_type":"block","children":[{"_key":"ec29feffb739","_type":"span","marks":[],"text":"Everything you need to know about ETFs"}],"markDefs":[],"style":"h2"},{"_key":"f573a51dc29e","_type":"block","children":[{"_key":"08142ed153dc0","_type":"span","marks":[],"text":"ETFs (Exchange-Traded Funds) have become one of the most popular ways to invest – and it’s easy to see why. Whether you’re a beginner or looking to refine your portfolio, our Hub will help you invest in ETFs with confidence."}],"markDefs":[],"style":"normal"}],"reference":{"_ref":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"reference"},"styles":"Grey-Transparent","title":"Everything you need to know about ETFs"},{"_key":"5246838a2dfe","_type":"bigBlockGroup","arrows":false,"autoscroll":false,"bigBlockItems":[{"_key":"3d065c84e619","_type":"bigBlockItem","linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-979cc1afa991bee5b93b91bc9c388b228531c623-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"},"title":"ETFs Explained: A Comprehensive Guide for New Investors"},{"_key":"3b418d15dcb2","_type":"bigBlockItem","linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-ce01feb45cec63e96a705898fb196c4852999247-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"d6b7598d-4bda-4c99-b8a0-cd9e46269fd7","_type":"reference"},"title":"Pros and Cons of ETFs"},{"_key":"3b61d3be475d","_type":"bigBlockItem","linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-e5fdaa398e2e359eda09ee3e98816609a49591e7-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"bd9ef80e-5e7b-4a27-b087-017fc6fa9725","_type":"reference"},"title":"ETF Glossary"}],"equaliseHeight":true,"layout":"3x3","styles":"Grey-Transparent"},{"_key":"5b9aaa547d3e","_type":"calcReference","href":"https://infogram.com/etf-hub-logos-1h7v4pd0yojr84k"},{"_key":"ca3f20037f3e7346285ceceba9d49a1d","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"fc4670f5cdba0cd8573bf598f25cffee","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"65bea9aea932","_type":"block","children":[{"_key":"ec29feffb739","_type":"span","marks":[],"text":"‏‏‎ ‎"}],"markDefs":[],"style":"normal"},{"_key":"2bed558a4fc6","_type":"block","children":[{"_key":"34835215f9b20","_type":"span","marks":[],"text":"ETF facts"}],"markDefs":[],"style":"h2"},{"_key":"752d647994bb","_type":"block","children":[{"_key":"c5307616b09f","_type":"span","marks":[],"text":"Want to know the best performing ETF of 2024? Wondering why they're so good for diversification? Check out these bite-sized facts about ETFs!"}],"markDefs":[],"style":"normal"}],"reference":{"_ref":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"reference"},"styles":"Blue","title":"ETF facts"},{"_key":"18174684b8ba","_type":"tabsTextboxBlock","equaliseTabHeights":true,"styles":"Blue","tabs":[{"_key":"4085c818293d","_type":"tabsTextboxItem","fullSizeImage":{"_type":"mainImage","blankAltTag":true},"image":{"_type":"mainImage","alt":"What are the top-performing ETFs so far this year?","asset":{"_ref":"image-f44e3ff785965e0852d45d82d401b3f289c0f20f-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"The top performing ETFs so far this year were dominated by funds with exposure to gold mining and precious metals.","textParagraph":[{"_key":"f2fe098cf895","_type":"block","children":[{"_key":"1bac8b363cff","_type":"span","marks":[],"text":"What are the top-performing ETFs so far this year?"}],"markDefs":[],"style":"h3"},{"_key":"9f6011b2b2a9","_type":"block","children":[{"_key":"74ad251d683f","_type":"span","marks":[],"text":"Off the back of a record rally in the gold price earlier this year, ETFs with exposure to gold mining firms soared to the top of the leagues. Legal & General Gold Mining UCITS ETF (AUCP) came out on top, followed by HAN AuAg ESG Gold Mining UCITS ETF (ESGP) and VanEck Junior Gold Miners UCITS ETF A (GJGB) ."}],"markDefs":[],"style":"normal"},{"_key":"f89a3c3cdec9","_type":"block","children":[{"_key":"e005fb719dd0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"89856e904c5a","_type":"block","children":[{"_key":"1f31aea077f6","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"1410b2d652e0","_type":"block","children":[{"_key":"1c3a2a81a06c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6dccf9395bea","_type":"block","children":[{"_key":"54aa556b7107","_type":"span","marks":[],"text":"[1] FE Fund Analytics, data correct as at 1 October 2025."}],"markDefs":[],"style":"normal"}],"title":"What are the top-performing ETFs so far this year?"},{"_key":"9f637707d055","_type":"tabsTextboxItem","fullSizeImage":{"_type":"mainImage","blankAltTag":false},"image":{"_type":"mainImage","alt":"Why ETFs are great for diversifying your portfolio","asset":{"_ref":"image-4ca19a8bf8b422866c99a90ae5b5cc2ca52a1b50-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"ETFs are great for diversifying your investment portfolio because they can give you access to a wide range of investments all in one wrapper.","textParagraph":[{"_key":"2f7675e847bf","_type":"block","children":[{"_key":"540f34f8002a","_type":"span","marks":[],"text":"Why are ETFs great for diversifying your portfolio?"}],"markDefs":[],"style":"h3"},{"_key":"96c42ad287f0","_type":"block","children":[{"_key":"e5de1d31fe91","_type":"span","marks":[],"text":"You can think of an ETF like a shopping basket. Rather than running around a supermarket holding all the individual things you want to buy in your arms, an ETF is like a basket already filled with a bunch of groceries, all in one easy-to-carry box. A single ETF can invest in a range of assets, from shares to bonds and even property, allowing you to get exposure to an array of different investments in just one product!"}],"markDefs":[],"style":"normal"}],"title":"Why are ETFs great for diversifying your portfolio?"},{"_key":"f0a40928724a","_type":"tabsTextboxItem","image":{"_type":"mainImage","alt":"Do ETFs pay dividends?","asset":{"_ref":"image-606e402dba256c06fb35c8778052e9eaf4c7f647-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"ETFs which invest in shares receive dividends when those shares pay out, but this is not always passed onto the investor.","textParagraph":[{"_key":"f0ce99e88bff","_type":"block","children":[{"_key":"86f3b642e7cb","_type":"span","marks":[],"text":"Do ETFs pay dividends?"}],"markDefs":[],"style":"h3"},{"_key":"6df472772608","_type":"block","children":[{"_key":"9cab9cde834e","_type":"span","marks":[],"text":"Generally speaking, there are two ways that ETFs utilise dividends: reinvestment and payment. Some ETFs reinvest the income they receive from dividend payments by using it to purchase new assets, often the same share that paid out the dividend in the first place, in a process known as \"dividend growth investing\". The value of the ETF grows as the number of shares it owns increases, and this in turn increases the value of the shares of the ETF itself. Alternatively, an ETF can collate the dividends paid out by its underlying shares and distribute them directly back to the investors.\n"}],"markDefs":[],"style":"normal"}],"title":"Do ETFs pay dividends?"},{"_key":"80217e01ec32","_type":"tabsTextboxItem","image":{"_type":"mainImage","alt":"How many ETFs should you invest in?","asset":{"_ref":"image-a8461b923e5871fb7e40f368500e9321ec5e4b59-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"There is no limit to the number of ETFs you can have in your portfolio, but working out the right amount for you really depends on your investment strategy.","textParagraph":[{"_key":"cbbbf3987249","_type":"block","children":[{"_key":"8daabbae17cf","_type":"span","marks":[],"text":"How many ETFs should you invest in?"}],"markDefs":[],"style":"h3"},{"_key":"08041120dfe2","_type":"block","children":[{"_key":"9e4030387cf6","_type":"span","marks":[],"text":"First of all, remember that each ETF you own will likely invest in at least 20-30 stocks, and sometimes more. So if you hold 10 or more ETFs, you could have hundreds - or even thousands - of underlying shares in your portfolio. While it's important to invest in a range of products to diversify, you don't need to own dozens of ETFs to do this. In fact, a healthy 5-6 ETFs is plenty for the average investor, and will help you to keep a closer eye on the performance of each one if you're not losing track of how many you have!"}],"markDefs":[],"style":"normal"},{"_key":"fec75fd6a838","_type":"block","children":[{"_key":"7983888b2b6f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"How many ETFs should you invest in?"},{"_key":"87b8ccc91629","_type":"tabsTextboxItem","image":{"_type":"mainImage","alt":"What's the difference between an ETF and a mutual fund?","asset":{"_ref":"image-4c4a3a4f1be9a557c00db542cefdc353f1233139-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"ETFs and mutual funds are often talked about in the same circles, but the difference between them isn't always spelled out for you, and this can get very confusing very quickly.","textParagraph":[{"_key":"bbaf4cd79776","_type":"block","children":[{"_key":"b8500cbca76e","_type":"span","marks":[],"text":"What's the difference between an ETF and a mutual fund?"}],"markDefs":[],"style":"h3"},{"_key":"461855a0fe79","_type":"block","children":[{"_key":"0bd81d1d01cc","_type":"span","marks":[],"text":"ETFs and mutual funds are similar investment vehicles. but the key difference boils down to how they're traded: ETFs trade on the stock market throughout the day, like traditional shares, whereas mutual funds are only traded once at the end of each day. In addition, the majority of ETFs are passive, whereas most mutual funds are actively-managed and therefore charge slightly higher fees."}],"markDefs":[],"style":"normal"}],"title":"What's the difference between an ETF and a mutual fund?"}]},{"_key":"b4b5464dd4d6","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"d9404f36ac4c","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"420fc5c541ef","_type":"block","children":[{"_key":"4cb319c7c9eb0","_type":"span","marks":[],"text":"‏‏‎ETF related articles"}],"markDefs":[],"style":"h2"},{"_key":"345b66d43fcb","_type":"block","children":[{"_key":"3d924c463a8e0","_type":"span","marks":[],"text":"Dive deeper into our handy articles - on everything from the best-selling ETFs of the month to the latest themes trending in the ETF sector!"}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent","title":"‏‏‎ETF related articles"},{"CategoryMultiSelect":[{"_key":"975cd9737787","_ref":"a9695476-b643-4a18-be2a-e8dbf3420afd","_type":"reference"}],"_key":"04711d8f6150","_type":"latestArticlesBlock","articleCount":"9","contentType":"articles+info","styles":"Grey-Transparent"},{"_key":"b0d60aea40207127bc6f9208209a79d2","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"625b46bcd55f","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"b97cfd651a35","_type":"block","children":[{"_key":"6109e8631393","_type":"span","marks":[],"text":"Your investing questions answered"}],"markDefs":[],"style":"h3"},{"_key":"07b484da9e11","_type":"block","children":[{"_key":"2ff5262ec663","_type":"span","marks":["strong"],"text":"You've been writing in to ask us how you can make your money work harder. So we're making it our mission to help"},{"_key":"e5604b13e17c","_type":"span","marks":[],"text":" "},{"_key":"1c868084f5e6","_type":"span","marks":["strong","em"],"text":"real"},{"_key":"32b75848fa79","_type":"span","marks":[],"text":" "},{"_key":"a014aab964fb","_type":"span","marks":["strong"],"text":"readers with"},{"_key":"14682265a74e","_type":"span","marks":[],"text":" "},{"_key":"f6112e212ff7","_type":"span","marks":["strong","em"],"text":"real"},{"_key":"2cd3ff1ec361","_type":"span","marks":[],"text":" "},{"_key":"8dd062f522b1","_type":"span","marks":["strong"],"text":"money problems."}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent"},{"_key":"c194a35aef23","_type":"filteredQuestionsBlock","questionFilterCategory":{"_ref":"0e8bd9b2-5882-419e-a26e-d52952df76d8","_type":"reference"}}],"excerpt":[{"_key":"c647200052d1","_type":"block","children":[{"_key":"15be4e763cea","_type":"span","marks":[],"text":"ETFs made simple. Our hub explains how exchange-traded funds work, the pros and cons, and how to invest. Explore guides on diversification, costs and performance to help you choose the right ETFs for your portfolio."}],"markDefs":[],"style":"normal"}],"isPrivatePage":false,"publishedAt":"2025-09-29T15:27:50.234Z","slug":{"_type":"slug","current":"homepage"},"subfolder":{"_id":"782aef2f-b517-41b0-8f8b-171340f5fd63","_type":"folderCategory","_rev":"BWFeS1m08o3AJmkY3qvD54","_createdAt":"2022-11-22T13:32:44Z","_updatedAt":"2022-11-23T15:54:20Z","folder":"/hub/etfs/","id":"-0d1d77ce-637f-545c-b8b9-cc12812a6657","children":[],"parent":null},"theme":"Boring Money theme","title":"ETF Investing for Beginners | Guides, Top Performers & Expert Tips","id":"-9e95adf1-4b22-50ad-8585-7436cc211130","children":[],"parent":null}},{"_key":"3eb7f7cb5053","_type":"internalLinkPick","reference":{"_id":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"information","_rev":"fAF1zuLH4I3ejFO0d0Va3K","_createdAt":"2021-06-22T11:01:55Z","_updatedAt":"2025-11-21T09:59:56Z","_system":{"base":{"id":"15c308e6-b264-4e24-b705-01f5d6339e04","rev":"ktEnbCSzx1csrSHnrezS2B"}},"authors":[{"_key":"9d3f3d4a21ae","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"1f86810ecd4c","_type":"block","children":[{"_key":"5ebddb5641c6","_type":"span","marks":[],"text":"By "},{"_key":"61d9a1a6a40e","_type":"span","marks":["strong"],"text":"Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"10ebdab54d86","_type":"block","children":[{"_key":"58de0f7fa82e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2a6154dd81eb","_type":"anchorMenuMobile","title":"s"},{"_key":"4774866ee39b","_type":"block","children":[{"_key":"7413e4181946","_type":"span","marks":[],"text":""},{"_key":"dc4c146ca3da","_type":"mainAnchor","pageAnchor":{"_ref":"5709e327-caf0-425e-90a9-173a2203789a","_type":"reference"}},{"_key":"04ebd74b9fac","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"eec11b6befcd","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"83a044112f15","_type":"block","children":[{"_key":"aff05c8de7e4","_type":"span","marks":[],"text":"🥜 In a nutshell"}],"markDefs":[],"style":"h4"},{"_key":"327aec1a1064","_type":"block","children":[{"_key":"1a4f427871fa","_type":"span","marks":["strong"],"text":"Structured like a listed company -"},{"_key":"a78dfaa4ab72","_type":"span","marks":[],"text":" You buy shares in the trust itself, which then uses the pooled money from its shareholders to invest in different assets."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d8c0db93af3a","_type":"block","children":[{"_key":"f6c48c9efed8","_type":"span","marks":["strong"],"text":"Actively managed"},{"_key":"b220736b704a","_type":"span","marks":[],"text":" "},{"_key":"1066ecd0837d","_type":"span","marks":["strong"],"text":"- "},{"_key":"97b8179ab0a9","_type":"span","marks":[],"text":"A professional fund manager picks what the trust invests in."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"111df98e1373","_type":"block","children":[{"_key":"999eade02f88","_type":"span","marks":["strong"],"text":"Income generators - "},{"_key":"fb3ae87bf8e3","_type":"span","marks":[],"text":"Reliable dividends, even when markets get choppy."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8ef67520ccd4","_type":"block","children":[{"_key":"09a93bffb41a","_type":"span","marks":["strong"],"text":"Complex pricing - "},{"_key":"fc335dab57bc","_type":"span","marks":[],"text":"Share price can actually be higher or lower than its inherent value depending on demand."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1bac877e8ce7","_type":"block","children":[{"_key":"7d2934e9e215","_type":"span","marks":["strong"],"text":"Broad choice"},{"_key":"e451c52af762","_type":"span","marks":[],"text":" "},{"_key":"70160670d80a","_type":"span","marks":["strong"],"text":"-"},{"_key":"78b3ee821cf5","_type":"span","marks":[],"text":" Access sectors, regions, and themes you might struggle to buy directly."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"ef62a20317c8","_type":"block","children":[{"_key":"be2509db0524","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2c0c45bd14b4","_type":"frameWidget","href":"https://infogram.com/investment-trust-hub-logos-1hxr4zxj9y0oq6y?live"},{"_key":"d2b472c05f76","_type":"block","children":[{"_key":"322ecf706188","_type":"span","marks":[],"text":""},{"_key":"1182bc7d2106","_type":"mainAnchor","pageAnchor":{"_ref":"324318c3-df5b-48b0-b1e9-a9ca1902ed41","_type":"reference"}},{"_key":"91ecd81be39e","_type":"span","marks":[],"text":"The basics of Investment Trusts"}],"markDefs":[],"style":"h2"},{"_key":"e300d629dd8c","_type":"block","children":[{"_key":"c3553f45bdf6","_type":"span","marks":[],"text":"Investment Trusts have a rich history, with some dating back over 150 years. Their ability to grow wealth over the long term and generate reliable income has made them a popular and enduring investment option."}],"markDefs":[],"style":"normal"},{"_key":"f02672f9e59a","_type":"block","children":[{"_key":"2e48711a22ca","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"098f98318792","_type":"mainImage","alt":"Infographic outlining 3 key things you need to know about investment trusts.","asset":{"_ref":"image-77a48487e73acb03dbb2f57e8530a3474958dcdb-1920x1080-png","_type":"reference"},"blankAltTag":true},{"_key":"658b62bf65d5","_type":"block","children":[{"_key":"37e28dbba812","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"139857efca68","_type":"block","children":[{"_key":"12d0b8472e29","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a1005bf038af","_type":"block","children":[{"_key":"b1532024fcba","_type":"span","marks":[],"text":"At their core, Investment Trusts are collective investment vehicles which function similarly to a mutual "},{"_key":"e9fe7212ec0b","_type":"span","marks":["ccc3e390b038"],"text":"fund"},{"_key":"b3c1b8c9a605","_type":"span","marks":[],"text":". They pool together the money of investors (the trust's shareholders) and professional"},{"_key":"cf04b29e7808","_type":"span","marks":["0dc04f86fbe6"],"text":" fund managers"},{"_key":"e32c287aff05","_type":"span","marks":[],"text":" then invest this money in a diversified mix of "},{"_key":"d5c10a7cb69b","_type":"span","marks":["dae918e4dc8f"],"text":"assets"},{"_key":"00e617852dac","_type":"span","marks":[],"text":" - such as "},{"_key":"4dce9bf956a0","_type":"span","marks":["acf0e1aef236"],"text":"shares"},{"_key":"30ab9d197a8b","_type":"span","marks":[],"text":", "},{"_key":"b98c4a9280d9","_type":"span","marks":["ae80e5c2e424"],"text":"bonds"},{"_key":"ef5b5138e1c9","_type":"span","marks":[],"text":", or property - according to the investment aims of the particular trust."}],"markDefs":[{"_key":"ccc3e390b038","_type":"glossaryPick","reference":{"_ref":"18e00366-dfcb-4186-8d35-7d6abf19fde7","_type":"reference"}},{"_key":"ae80e5c2e424","_type":"glossaryPick","reference":{"_ref":"ea467285-7d48-4093-b16e-76d3f8a95fc1","_type":"reference"}},{"_key":"dae918e4dc8f","_type":"glossaryPick","reference":{"_ref":"bbd21391-fb19-4ae7-9dd4-03e45b9ff515","_type":"reference"}},{"_key":"0dc04f86fbe6","_type":"glossaryPick","reference":{"_ref":"52cb8779-f204-4e14-b5e9-c3bb3cf56993","_type":"reference"}},{"_key":"acf0e1aef236","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}}],"style":"normal"},{"_key":"989f2700802e","_type":"block","children":[{"_key":"83fc9f89aa2a","_type":"span","marks":[],"text":"Unlike mutual funds, Investment Trusts are structured as closed-ended companies, meaning the number of shares available at any one time is fixed. This structure can lead to shares trading at a "},{"_key":"ca34a1df2419","_type":"span","marks":["db7d16e2b826"],"text":"premium"},{"_key":"7e483654a0fc","_type":"span","marks":[],"text":" or "},{"_key":"24f6721e852d","_type":"span","marks":["b541dc26b4e7"],"text":"discount"},{"_key":"c8a9e5db5ce9","_type":"span","marks":[],"text":" to the value of the underlying assets ("},{"_key":"d7c880d3e19e","_type":"span","marks":["38020b4e5112"],"text":"NAV"},{"_key":"f9e7404ed02b","_type":"span","marks":[],"text":"), depending on investor demand."}],"markDefs":[{"_key":"db7d16e2b826","_type":"glossaryPick","reference":{"_ref":"1830ef60-3809-4512-81e2-615746b98703","_type":"reference"}},{"_key":"b541dc26b4e7","_type":"glossaryPick","reference":{"_ref":"e83fac5f-7b96-4a74-a65e-ba25dad1285e","_type":"reference"}},{"_key":"38020b4e5112","_type":"glossaryPick","reference":{"_ref":"fed61c02-3002-4768-9374-16377d6a555f","_type":"reference"}}],"style":"normal"},{"_key":"a2afd30ca564","_type":"block","children":[{"_key":"3b189eacf653","_type":"span","marks":[],"text":"Investment Trusts can suit a range of different investment styles and goals. You can choose trusts that focus on specific regions, such as Europe, the US, or emerging markets, or sectors like technology, healthcare, renewable energy, or infrastructure. There are also trusts that focus on niche areas like property or care homes, providing exposure to investments that may be otherwise difficult to access or trade (\""},{"_key":"e129343ccb8b","_type":"span","marks":["ea49f06947df"],"text":"illiquid"},{"_key":"1ce1ed5704d8","_type":"span","marks":[],"text":"\")."}],"markDefs":[{"_key":"ea49f06947df","_type":"glossaryPick","reference":{"_ref":"218d3eda-c963-4bda-8132-0eaae6e1bbd2","_type":"reference"}}],"style":"normal"},{"_key":"c894f0d25c5d","_type":"block","children":[{"_key":"f974a8a3f536","_type":"span","marks":[],"text":"One of the key benefits of Investment Trusts is their potential to provide regular income. Many trusts pay cash "},{"_key":"6b1303b80038","_type":"span","marks":["5a8128b50585"],"text":"dividends"},{"_key":"90e3bcf565f8","_type":"span","marks":[],"text":", which is why they're popular with income-seeking investors such as retirees. Investment Trusts can also retain income in strong years, allowing them to continue paying dividends during more difficult periods - a feature known as dividend smoothing."}],"markDefs":[{"_key":"5a8128b50585","_type":"glossaryPick","reference":{"_ref":"879c473d-ba07-433e-ad4d-217e24243b54","_type":"reference"}}],"style":"normal"},{"_key":"080731a11e49","_type":"block","children":[{"_key":"67dabc5842bb","_type":"span","marks":[],"text":"In summary, Investment Trusts offer a flexible, expert-led way to invest in a variety of markets and sectors, with the added bonus of potentially generating a regular stream of income too."}],"markDefs":[],"style":"normal"},{"_key":"b8f862c95ac9","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Alianz Merchant Trust logo ","asset":{"_ref":"image-0b1b4a27762b16293e7c4fad0e14f18dbacfc99c-1080x1080-png","_type":"reference"}},"imagePosition":"Top right","text":[{"_key":"027d4c47d0c4","_type":"block","children":[{"_key":"ac6a2c2bfeb9","_type":"span","marks":["strong","24cf1f6f8ce6"],"text":"Merchants Trust"},{"_key":"291bd793d189","_type":"span","marks":["strong"],"text":": Dividend-Focused Investing Since 1889"}],"markDefs":[{"_key":"24cf1f6f8ce6","_type":"internalLinkPick","blank":true,"reference":{"_ref":"47831403-8359-442d-9a6d-228f8174e049","_type":"reference"}}],"style":"normal"},{"_key":"d14100f3e9d2","_type":"block","children":[{"_key":"2d19207574a7","_type":"span","marks":[],"text":"Want an investment that puts income first? Merchants Trust has been delivering dividends to investors since 1889, making it one of the UK's most established Investment Trusts."}],"markDefs":[],"style":"normal"},{"_key":"a4a6883d20e9","_type":"block","children":[{"_key":"a96f8ecb5612","_type":"span","marks":[],"text":"Merchants focuses on what it does best: investing in large, well-known UK companies that consistently pay and grow their dividends. These aren't just British businesses—many are global multinationals listed in London, giving you worldwide exposure with the benefit of the UK's gold-standard corporate governance."}],"markDefs":[],"style":"normal"},{"_key":"1e1348afc024","_type":"block","children":[{"_key":"14f09c3e346f","_type":"span","marks":[],"text":"Portfolio Manager Simon Gergel and his team are unapologetic income seekers, carefully selecting companies that they hope can maintain strong profit margins and increase dividends over time. This focused approach aims to deliver both rising income and long-term capital growth."}],"markDefs":[],"style":"normal"},{"_key":"215aac054a2e","_type":"block","children":[{"_key":"19df027d5e4c","_type":"span","marks":[],"text":"With over 130 years of experience navigating markets, Merchants combines heritage with modern investment expertise. The trust benefits from an independent board dedicated to protecting shareholder interests."}],"markDefs":[],"style":"normal"}],"title":"Sponsored Message"},{"_key":"99f2a961d957","_type":"block","children":[{"_key":"e3aa6b552b23","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"19d37568db45","_type":"block","children":[{"_key":"ed02f6b0cb28","_type":"span","marks":["strong"],"text":"Ready to put dividends first? Visit The Merchants Trusts’ website today to discover how The Merchants Trust can help build your income and grow your wealth over the long term."}],"markDefs":[],"style":"normal"},{"_key":"16e391537eb5","_type":"block","children":[{"_key":"7821a002d3130","_type":"span","marks":["em"],"text":""}],"markDefs":[],"style":"normal"}],"_key":"6686e8599042","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"partner":true,"reference":{"_ref":"47831403-8359-442d-9a6d-228f8174e049","_type":"reference"},"text":"VISIT SITE"},{"_key":"a37339e7a09b","_type":"block","children":[{"_key":"b6119c2d8f7f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e7c00b3b2796","_type":"block","children":[{"_key":"2c07e60a4da8","_type":"span","marks":[],"text":""},{"_key":"3a045beca655","_type":"mainAnchor","pageAnchor":{"_ref":"094d1a3e-f7bf-4543-a216-e6804a5653f3","_type":"reference"}},{"_key":"7400f049b056","_type":"span","marks":[],"text":"Are Investment Trusts right for me?"}],"markDefs":[],"style":"h2"},{"_key":"da726e264102","_type":"prosConsWidget","cons":["Need access to your money at short notice","Are new to investing and don’t want to mess with discounts, premiums, or volatility","Are risk-averse and would prefer to stick with cash or something similar"],"consTitle":"Bad if you ","pros":["Are comfortable with the idea of ups and downs","Want access to a broad range of investments but don’t fancy picking stocks yourself","Trust the pros to steer the ship"],"prosTitle":"Good if you "},{"_key":"bbc4c864c5f9","_type":"block","children":[{"_key":"274fef21dfed","_type":"span","marks":[],"text":""},{"_key":"1231ad32bbd9","_type":"mainAnchor","pageAnchor":{"_ref":"a2748707-923a-4ba0-b66d-cbe3a285ea46","_type":"reference"}},{"_key":"bfbdaaec0a78","_type":"span","marks":[],"text":"The pros of Investment Trusts"}],"markDefs":[],"style":"h2"},{"_key":"987121fd1d55","_type":"block","children":[{"_key":"b066335137b2","_type":"span","marks":[],"text":""},{"_key":"a106ca03e81d","_type":"mainAnchor","pageAnchor":{"_ref":"c61f58f5-a3e8-4203-9ded-6b3875fa2188","_type":"reference"}},{"_key":"46ad9aed4eea","_type":"span","marks":[],"text":"✅ Potential for higher returns"}],"markDefs":[],"style":"h3"},{"_key":"3e95d338e20f","_type":"block","children":[{"_key":"3228d62622a3","_type":"span","marks":[],"text":"Investment Trusts can borrow money to try and boost returns with a process called “"},{"_key":"93ad4aee2bcf","_type":"span","marks":["915385f7dc42"],"text":"gearing"},{"_key":"dbb790e24479","_type":"span","marks":[],"text":".” If the trust’s underlying investments do well, borrowing can help make magnify the gains. Also, because Investment Trusts don’t have to sell investments when shareholders take their money out (unlike other types of fund), the manager has the freedom to focus on long-term growth without being forced to react to short-term panic. So investors also benefit from having an expert at the helm with the discretion to make informed decisions to maximise profit. We explain more about gearing in the next section."}],"markDefs":[{"_key":"915385f7dc42","_type":"glossaryPick","reference":{"_ref":"f97d6d3d-a4b0-45b3-a1a0-740b0e4d32d6","_type":"reference"}}],"style":"normal"},{"_key":"d80ac354e71e","_type":"block","children":[{"_key":"de4c277b16d2","_type":"span","marks":[],"text":""},{"_key":"dc4de9583c83","_type":"mainAnchor","pageAnchor":{"_ref":"6fa81efd-82ed-42c2-a837-c792bcb22e99","_type":"reference"}},{"_key":"0cb280b89aeb","_type":"span","marks":[],"text":"✅ Reliable income"}],"markDefs":[],"style":"h3"},{"_key":"06efd25d4dd7","_type":"block","children":[{"_key":"ebbf9ceeeea0","_type":"span","marks":[],"text":"Many Investment Trusts are known for providing a steady income, thanks to something called “dividend smoothing.” Unlike regular funds, which have to pay out all the income they earn each year, Investment Trusts are allowed to hold back up to 15% of that income. They can stash it away in a reserve during the good years and then use those reserves to top up payouts in tougher years, when income might dip. "}],"markDefs":[],"style":"normal"},{"_key":"09f8756504e9","_type":"block","children":[{"_key":"c9cbbb226677","_type":"span","marks":[],"text":"This creates a smoother, more reliable stream of income for investors. It’s especially useful for people who rely on dividends to pay the bills, such as those in retirement, or anyone who simply prefers a consistent drip of income rather than big highs and lows. Some trusts have done this so well that they’ve managed to increase their dividend every single year for decades, even during financial crises and market crashes. "}],"markDefs":[],"style":"normal"},{"_key":"b1bd31ed541b","_type":"block","children":[{"_key":"55fa0c0f896c","_type":"span","marks":[],"text":""},{"_key":"d064746f773e","_type":"mainAnchor","pageAnchor":{"_ref":"794509b4-5361-4868-b0d0-39b68b1c15dc","_type":"reference"}},{"_key":"2c81483cd2e1","_type":"span","marks":[],"text":"✅ Independent oversight"}],"markDefs":[],"style":"h3"},{"_key":"25a4a648d1f6","_type":"block","children":[{"_key":"825a8816d961","_type":"span","marks":[],"text":"Every Investment Trust has its own independent board of directors and their job is to make sure everything’s running as it should. Think of them like a watchdog or a built-in quality control team. They don’t manage the money directly, but they do oversee the "},{"_key":"ee7dec9f1d2b","_type":"span","marks":["6c743728b6de"],"text":"fund manager"},{"_key":"f45db98760d9","_type":"span","marks":[],"text":", making sure they’re sticking to the trust’s strategy and doing a good job for investors."}],"markDefs":[{"_key":"6c743728b6de","_type":"glossaryPick","reference":{"_ref":"52cb8779-f204-4e14-b5e9-c3bb3cf56993","_type":"reference"}}],"style":"normal"},{"_key":"1e96a3919610","_type":"block","children":[{"_key":"f6dba4981e15","_type":"span","marks":[],"text":"If the trust is performing badly, taking too much risk, or drifting away from its stated goals, the board can step in, ask tough questions, and even replace the manager if needed. It’s their job to put investors’ interests first and hold the manager accountable. This kind of independent oversight is a big plus for Investment Trusts and not something you always get with other types of funds."}],"markDefs":[],"style":"normal"},{"_key":"31f57f469a2a","_type":"block","children":[{"_key":"ec4985853e6e","_type":"span","marks":[],"text":""},{"_key":"d75330187d67","_type":"mainAnchor","pageAnchor":{"_ref":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"reference"}},{"_key":"22d77001232b","_type":"span","marks":[],"text":"The cons of Investment Trusts"}],"markDefs":[],"style":"h2"},{"_key":"a8124a8c29f3","_type":"block","children":[{"_key":"a20f416997cc","_type":"span","marks":[],"text":""},{"_key":"a54dc452d47f","_type":"mainAnchor","pageAnchor":{"_ref":"9b4cea8b-d750-4aa5-abff-0daffb6c21cb","_type":"reference"}},{"_key":"d46e98709f3a","_type":"span","marks":[],"text":"❌ More complex pricing"}],"markDefs":[],"style":"h3"},{"_key":"e67850bac45d","_type":"block","children":[{"_key":"b8362b4bf79f","_type":"span","marks":[],"text":"Investment Trusts are listed on the stock market, which means you buy and sell them just like shares. But here’s the catch: the price you pay isn’t always the same as the value of what the trust actually owns - known as the Net Asset Value (NAV)."}],"markDefs":[],"style":"normal"},{"_key":"52cbe0cee3dc","_type":"block","children":[{"_key":"f6fc34513289","_type":"span","marks":[],"text":"Sometimes, a trust’s shares trade at a premium, meaning you’re paying "},{"_key":"f445ca7120fb","_type":"span","marks":["em"],"text":"more"},{"_key":"a2132321b21a","_type":"span","marks":[],"text":" than the total value of its assets. Other times, they trade at a discount, which means you’re getting the assets for less than they’re technically worth. That can sound like a bargain (and sometimes it is), but it can also be a sign that something’s not right - like poor performance or low demand."}],"markDefs":[],"style":"normal"},{"_key":"41f4e84268c6","_type":"block","children":[{"_key":"22908b3bb771","_type":"span","marks":[],"text":"This adds an extra layer of complexity, especially for newer investors. You’re not just looking at how the underlying investments are doing, you also have to think about how the market feels about the trust itself, which can affect the price."}],"markDefs":[],"style":"normal"},{"_key":"63d25222e343","_type":"block","children":[{"_key":"72026564e187","_type":"span","marks":[],"text":""},{"_key":"679fdad8c870","_type":"mainAnchor","pageAnchor":{"_ref":"44bb3d1e-b243-4451-81d3-20d682dadb53","_type":"reference"}},{"_key":"02eac03b2b4c","_type":"span","marks":[],"text":"❌ Volatility from gearing"}],"markDefs":[],"style":"h3"},{"_key":"573c14c47d8c","_type":"block","children":[{"_key":"43239b21b7bb","_type":"span","marks":[],"text":"Gearing can boost returns when markets are rising, as the trust has more capital working for it. But it cuts both ways. If markets fall, gearing can amplify losses, because the trust still owes what it borrowed. That means a small market dip can lead to a bigger hit to your investment."}],"markDefs":[],"style":"normal"},{"_key":"32ee3a8b93d0","_type":"block","children":[{"_key":"849b6da99cad","_type":"span","marks":[],"text":"Think of it like going downhill on a bike - fast and fun when things are smooth, but risky if you hit a bump."}],"markDefs":[],"style":"normal"},{"_key":"ce08f334bd29","_type":"block","children":[{"_key":"492b89afc6c8","_type":"span","marks":[],"text":"Not all trusts use gearing, and those that do vary in how much. If you're risk-averse, nearing retirement, or might need your money soon, a geared trust may not be the right fit. Always check before you invest - the "},{"_key":"38ab6bff7723","_type":"span","marks":["562c044fcda2"],"text":"Association of Investment Companies (AIC)"},{"_key":"cb24c5106044","_type":"span","marks":[],"text":" is an industry body which represents trusts in the UK and is a great place to start your research."}],"markDefs":[{"_key":"562c044fcda2","_type":"internalLinkPick","blank":true,"reference":{"_ref":"a096aa70-a20c-4b8a-a6a1-cb4a650afce6","_type":"reference"}}],"style":"normal"},{"_key":"9e94bdbf275f","_type":"block","children":[{"_key":"53101b04439a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a444e9eff618","_type":"textboxWidget","image":{"_type":"mainImage","asset":{"_ref":"image-c1a44dfa26a59e148b8614f83e2a1df3f4b4cdcf-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","text":[{"_key":"fdf7147b9782","_type":"block","children":[{"_key":"422f50bec8c0","_type":"span","marks":[],"text":"💡 Where to check for gearing"}],"markDefs":[],"style":"h4"},{"_key":"d7c038e7d74d","_type":"block","children":[{"_key":"00db00ad188e","_type":"span","marks":[],"text":"Investment Trust factsheets and/or annual reports typically display the current gearing level as a percentage of total assets. For example, a gearing level of 10% means the trust has borrowed an amount equal to 10% of its net assets, allowing it to invest more than it otherwise could. A non-geared trust will have a gearing level of 0% (sometimes represented as 100% in older conventions), while a geared trust will show a positive percentage."}],"markDefs":[],"style":"normal"}]},{"_key":"815c7adf8878","_type":"block","children":[{"_key":"8da01bcb8ab6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"54ead9ea8b55","_type":"block","children":[{"_key":"a6d0e2522bef","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0f3e36b4d3fa","_type":"block","children":[{"_key":"4db3d57a701c","_type":"span","marks":[],"text":"In terms of how this may look when you're doing your research, here's an example of how prominent "},{"_key":"3cfc5fef09ae","_type":"span","marks":["cc1a214e3171"],"text":"asset manager"},{"_key":"44c0dec6b6b4","_type":"span","marks":[],"text":" BlackRock displays the gearing percentage of its Income and Growth Investment Trust plc as part of its fund information factsheet:"}],"markDefs":[{"_key":"cc1a214e3171","_type":"glossaryPick","reference":{"_ref":"0fb992b8-a5e0-488b-862f-17decbc3e4db","_type":"reference"}}],"style":"normal"},{"_key":"91a8a74f623d","_type":"block","children":[{"_key":"d66c7d54af03","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"370b17360f2d","_type":"tableControl","rows":[{"_key":"beb154596f24","_type":"row","cells":[{"_key":"9941951e8225","_type":"cell","tableStyle":"W","value":[{"_key":"f3033f642fc9","_type":"block","children":[{"_key":"0e76c58288a0","_type":"span","marks":["strong"],"text":"Net asset value (incl. income per share)"}],"markDefs":[],"style":"normal"}]},{"_key":"a30aa5a6e77b","_type":"cell","tableStyle":"W","value":[{"_key":"405177970c90","_type":"block","children":[{"_key":"33e8aec5976f","_type":"span","marks":[],"text":"222.51p"}],"markDefs":[],"style":"normal"}]}]},{"_key":"1b67bca5b46b","_type":"row","cells":[{"_key":"784e06d24d99","_type":"cell","tableStyle":"W","value":[{"_key":"d77feb8de114","_type":"block","children":[{"_key":"a8eb22948d0a","_type":"span","marks":["strong"],"text":"Share price"}],"markDefs":[],"style":"normal"}]},{"_key":"ff863b5a7d0b","_type":"cell","tableStyle":"W","value":[{"_key":"0019221792c5","_type":"block","children":[{"_key":"b55f1e18650a","_type":"span","marks":[],"text":"198.00p"}],"markDefs":[],"style":"normal"}]}]},{"_key":"de400dd0f5a3","_type":"row","cells":[{"_key":"4164b0f91de0","_type":"cell","tableStyle":"W","value":[{"_key":"61c03b2de71b","_type":"block","children":[{"_key":"6de4ee071edc","_type":"span","marks":["strong"],"text":"Discount to NAV (incl. income)"}],"markDefs":[],"style":"normal"}]},{"_key":"52fc74c78d44","_type":"cell","tableStyle":"W","value":[{"_key":"bacd180afc01","_type":"block","children":[{"_key":"2f0e5529332b","_type":"span","marks":[],"text":"11.0%"}],"markDefs":[],"style":"normal"}]}]},{"_key":"da20647f27c2","_type":"row","cells":[{"_key":"a2957ecfbdb9","_type":"cell","tableStyle":"W","value":[{"_key":"08bb748583e6","_type":"block","children":[{"_key":"2d34a776aa40","_type":"span","marks":["strong"],"text":"Gearing"}],"markDefs":[],"style":"normal"}]},{"_key":"25dd50983426","_type":"cell","tableStyle":"W","value":[{"_key":"a0186b31e1db","_type":"block","children":[{"_key":"579ebc2cc271","_type":"span","marks":[],"text":"5.5%"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"ALL-W"},{"_key":"0a804f5f7339","_type":"block","children":[{"_key":"29abd7570af3","_type":"span","marks":["em","04d252535612"],"text":"Source: BlackRock, correct as at April 2025."}],"markDefs":[{"_key":"04d252535612","_type":"internalLinkPick","blank":true,"reference":{"_ref":"50207a6b-dd7e-4206-a509-532bad9b713a","_type":"reference"}}],"style":"small"},{"_key":"13cfe3ea3044","_type":"block","children":[{"_key":"6e359c9b3c0a","_type":"span","marks":[],"text":""},{"_key":"f6f3d2c373e5","_type":"mainAnchor","pageAnchor":{"_ref":"6bc1df3f-7040-444b-80d3-36e24de539c9","_type":"reference"}},{"_key":"f98c3f8f350a","_type":"span","marks":[],"text":"❌ Liquidity can be patchy"}],"markDefs":[],"style":"h3"},{"_key":"e841185c7f61","_type":"block","children":[{"_key":"c4894dbb881f","_type":"span","marks":[],"text":"Some Investment Trusts, especially smaller or niche ones, don’t trade very often. This means it might be harder to sell your shares quickly when you want to (illiquid). If there aren’t many buyers, you could be forced to accept a lower price than you hoped for."}],"markDefs":[],"style":"normal"},{"_key":"df7649b1e765","_type":"block","children":[{"_key":"b0e293350f66","_type":"span","marks":[],"text":"In simple terms, it’s like trying to sell a rare item that not many people want right now. This can make your investment less flexible, which might be a problem if you need cash quickly."}],"markDefs":[],"style":"normal"},{"_key":"1b3ad41fd2ed","_type":"block","children":[{"_key":"a9f42b998d41","_type":"span","marks":[],"text":"If you’re new to Investment Trusts, it’s worth checking how often a trust’s shares trade before buying. Larger, more popular trusts usually have better liquidity, making it easier to buy and sell without a hassle. Here's a breakdown of what to look for:"}],"markDefs":[],"style":"normal"},{"_key":"7b34687f19db","_type":"block","children":[{"_key":"fd6f2420fa47","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b37922868972","_type":"tableControl","rows":[{"_key":"0137c6a7167a","_type":"row","cells":[{"_key":"18f3c7936c9d","_type":"cell","tableStyle":"DB","value":[{"_key":"5af29100748f","_type":"block","children":[{"_key":"8c51896b887f","_type":"span","marks":["strong"],"text":"Feature"}],"markDefs":[],"style":"normal"}]},{"_key":"2606f57f8780","_type":"cell","tableStyle":"DB","value":[{"_key":"939b9269dfff","_type":"block","children":[{"_key":"ed2524dbc701","_type":"span","marks":["strong"],"text":"What To Look For"}],"markDefs":[],"style":"normal"}]},{"_key":"e23b57d24761","_type":"cell","tableStyle":"DB","value":[{"_key":"75b5a513d8d9","_type":"block","children":[{"_key":"fd028c8d8cf4","_type":"span","marks":["strong"],"text":"Where To Find It"}],"markDefs":[],"style":"normal"}]}]},{"_key":"98863083c0f4","_type":"row","cells":[{"_key":"74d5c9a3681e","_type":"cell","tableStyle":"W","value":[{"_key":"6da23ad27889","_type":"block","children":[{"_key":"cf046b524d30","_type":"span","marks":[],"text":"Average Daily Trading Volume"}],"markDefs":[],"style":"normal"}]},{"_key":"59d54322b7a4","_type":"cell","tableStyle":"W","value":[{"_key":"1f4dbf5b22b5","_type":"block","children":[{"_key":"9b5025a42693","_type":"span","marks":[],"text":"Higher is better"}],"markDefs":[],"style":"normal"}]},{"_key":"c08e431955e2","_type":"cell","tableStyle":"W","value":[{"_key":"863bf480959b","_type":"block","children":[{"_key":"a403a0914cf1","_type":"span","marks":[],"text":"The AIC, the platform you are using to invest"}],"markDefs":[],"style":"normal"}]}]},{"_key":"4bf75ba04b9e","_type":"row","cells":[{"_key":"7cfd5e67be2f","_type":"cell","tableStyle":"W","value":[{"_key":"e8b6fc67a769","_type":"block","children":[{"_key":"10d5d13b8e2f","_type":"span","marks":[],"text":"Size & Popularity"}],"markDefs":[],"style":"normal"}]},{"_key":"e8acb8e3b37b","_type":"cell","tableStyle":"W","value":[{"_key":"4d83e5f70d9b","_type":"block","children":[{"_key":"94e6a9dae81a","_type":"span","marks":[],"text":"Larger, well-known trusts are usually more liquid"}],"markDefs":[],"style":"normal"}]},{"_key":"722954ceb664","_type":"cell","tableStyle":"W","value":[{"_key":"a5f21f8b3e10","_type":"block","children":[{"_key":"e2ac8c65fd2d","_type":"span","marks":[],"text":"Trust factsheets, AIC"}],"markDefs":[],"style":"normal"}]}]},{"_key":"bfd7870e87f5","_type":"row","cells":[{"_key":"f4ee435d70de","_type":"cell","tableStyle":"W","value":[{"_key":"d0dda6e42769","_type":"block","children":[{"_key":"6c8448833475","_type":"span","marks":[],"text":"Discount/Premium to NAV"}],"markDefs":[],"style":"normal"}]},{"_key":"31210a894802","_type":"cell","tableStyle":"W","value":[{"_key":"d9ecd4579f5a","_type":"block","children":[{"_key":"4304b30607a6","_type":"span","marks":[],"text":"Large discounts may signal poor liquidity"}],"markDefs":[],"style":"normal"}]},{"_key":"9adb121b9ff8","_type":"cell","tableStyle":"W","value":[{"_key":"526a9dc066d9","_type":"block","children":[{"_key":"5ef60cd016f0","_type":"span","marks":[],"text":"Trust factsheets, financial news"}],"markDefs":[],"style":"normal"}]}]},{"_key":"886e4d0d2d5b","_type":"row","cells":[{"_key":"975b6fa6d00b","_type":"cell","tableStyle":"W","value":[{"_key":"b47a2b8f0f53","_type":"block","children":[{"_key":"045bf38ac2c6","_type":"span","marks":[],"text":"Trading Activity"}],"markDefs":[],"style":"normal"}]},{"_key":"c0332b860738","_type":"cell","tableStyle":"W","value":[{"_key":"381ddf20c494","_type":"block","children":[{"_key":"32ae53f254e6","_type":"span","marks":[],"text":"Frequent trades"}],"markDefs":[],"style":"normal"}]},{"_key":"2f87bbe9e5a3","_type":"cell","tableStyle":"W","value":[{"_key":"b5c0d0a9dd86","_type":"block","children":[{"_key":"bf594a730af3","_type":"span","marks":[],"text":"Investment platform, London Stock Exchange"}],"markDefs":[],"style":"normal"}]}]},{"_key":"29962a2f017b","_type":"row","cells":[{"_key":"5339e1307f06","_type":"cell","tableStyle":"W","value":[{"_key":"0db850fc67b7","_type":"block","children":[{"_key":"62f58871236f","_type":"span","marks":[],"text":"Trust Reports"}],"markDefs":[],"style":"normal"}]},{"_key":"cae225b2e95c","_type":"cell","tableStyle":"W","value":[{"_key":"47bcc74ba84a","_type":"block","children":[{"_key":"facd46efb4f8","_type":"span","marks":[],"text":"Notes on liquidity, asset types"}],"markDefs":[],"style":"normal"}]},{"_key":"d76645047077","_type":"cell","tableStyle":"W","value":[{"_key":"84a9fbbfc92a","_type":"block","children":[{"_key":"50e6cd81f0b3","_type":"span","marks":[],"text":"Annual/semi-annual reports"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB"},{"_key":"7bf83a467d43","_type":"block","children":[{"_key":"391c4af257fd","_type":"span","marks":[],"text":""},{"_key":"02fe61d5d754","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"dda1ff364e1a","_type":"span","marks":[],"text":"Top questions on Investment Trusts"}],"markDefs":[],"style":"h2"},{"_key":"a7142f531cc7","_type":"block","children":[{"_key":"f0a53aaef057","_type":"span","marks":[],"text":""},{"_key":"4b83b4ea26fb","_type":"mainAnchor","pageAnchor":{"_ref":"2fb137f4-a68e-46a0-8a4d-dc2664e8d018","_type":"reference"}},{"_key":"eb9bdbd74f90","_type":"span","marks":[],"text":"What’s the difference between an Investment Trust and a fund?"}],"markDefs":[],"style":"h3"},{"_key":"aafc946eb15a","_type":"block","children":[{"_key":"5b042fb52f97","_type":"span","marks":[],"text":"The main difference is how they’re structured and how they handle money coming in and out."}],"markDefs":[],"style":"normal"},{"_key":"6b6de0ec2705","_type":"block","children":[{"_key":"d0acff913706","_type":"span","marks":["b9c79f62199e"],"text":"Mutual funds"},{"_key":"82ffd24d2803","_type":"span","marks":[],"text":" are "},{"_key":"f5c966b8575b","_type":"span","marks":["em"],"text":"open-ended"},{"_key":"060ac4e8be4e","_type":"span","marks":[],"text":", which means new units are created when more people invest, and units are cancelled when people sell. The fund manager has to buy and sell assets to match this flow, which can be disruptive - especially in a market wobble."}],"level":1,"listItem":"bullet","markDefs":[{"_key":"b9c79f62199e","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"0ea0e724530f","_type":"block","children":[{"_key":"20dd49f22b65","_type":"span","marks":[],"text":"Investment Trusts, on the other hand, are "},{"_key":"b81f4896a372","_type":"span","marks":["em"],"text":"closed-ended"},{"_key":"80cf42b7019f","_type":"span","marks":[],"text":". There’s a fixed number of shares, which trade on the stock market like any listed company. This structure gives the manager more control, as they don’t have to constantly juggle the portfolio to meet withdrawals. It also introduces an extra layer - shares can trade at a discount or premium to the value of the trust’s assets."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"2978ed433e26","_type":"block","children":[{"_key":"cde3da201a31","_type":"span","marks":[],"text":""},{"_key":"77ce0ced8664","_type":"mainAnchor","pageAnchor":{"_ref":"70cb40d3-7f28-4310-b300-272306639021","_type":"reference"}},{"_key":"c8ac12d73dba","_type":"span","marks":[],"text":"What does buying at a discount mean?"}],"markDefs":[],"style":"h3"},{"_key":"0ed26108ed99","_type":"block","children":[{"_key":"086a68d2a8a8","_type":"span","marks":[],"text":"Every Investment Trust has a Net Asset Value (NAV) - the total value of all its investments, divided by the number of shares. But because Investment Trusts are traded on the stock market, the share price is set by supply and demand."}],"markDefs":[],"style":"normal"},{"_key":"d0948dd91e33","_type":"block","children":[{"_key":"37f43cfd1621","_type":"span","marks":[],"text":"If the share price is "},{"_key":"20493f70dae3","_type":"span","marks":["em"],"text":"below"},{"_key":"4126fbcf4f59","_type":"span","marks":[],"text":" the NAV, the trust is trading at a discount. You’re buying assets for less than they’re technically worth - a potential bargain."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"52cc1b3cc811","_type":"block","children":[{"_key":"9b99a231d888","_type":"span","marks":[],"text":"If the price is "},{"_key":"95ce9d7de120","_type":"span","marks":["em"],"text":"above"},{"_key":"42c116c02920","_type":"span","marks":[],"text":" the NAV, that’s a premium - you’re paying extra, perhaps because the manager has a stellar track record or the trust is trendy."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"9ae95721b082","_type":"block","children":[{"_key":"6c4b01d345ba","_type":"span","marks":[],"text":"Discounts and premiums can widen or narrow over time, adding another element of potential gain or loss."}],"markDefs":[],"style":"normal"},{"_key":"6df8ad320ff4","_type":"block","children":[{"_key":"060e588fc136","_type":"span","marks":[],"text":""},{"_key":"af0009d63c02","_type":"mainAnchor","pageAnchor":{"_ref":"4d792b1a-0a71-4341-aa8b-b90f7917e7ac","_type":"reference"}},{"_key":"f6ff0b11d774","_type":"span","marks":[],"text":"How to know if an Investment Trust is performing well"}],"markDefs":[],"style":"h3"},{"_key":"fb95543152f1","_type":"block","children":[{"_key":"6e2264ea825c","_type":"span","marks":[],"text":"To check how well an Investment Trust is really doing, start by looking at its NAV, which shows the total value of everything it owns. Next, compare this NAV to the price you see on the stock market. If the share price is higher than the NAV, the trust is trading at a premium; if it’s lower, it’s at a discount. "}],"markDefs":[],"style":"normal"},{"_key":"ea32ad7e82d4","_type":"block","children":[{"_key":"6b3babce8ea1","_type":"span","marks":[],"text":"But to understand the trust’s real performance, don’t just look at the current share price - check how the NAV has changed over time, and see how the trust’s investments are performing compared to similar trusts or the wider market. Also, read up on why the trust might be trading at a premium or discount, as this can give you clues about investor confidence or possible problems. "}],"markDefs":[],"style":"normal"},{"_key":"9dcfe1c47370","_type":"block","children":[{"_key":"b46b8c1ee4e5","_type":"span","marks":[],"text":"By looking at both the NAV and the share price, you get a clearer picture of the trust’s underlying strength and how the market feels about it."}],"markDefs":[],"style":"normal"},{"_key":"1d30b140630d","_type":"block","children":[{"_key":"43e815fcb0bc","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"be60f962f814","_type":"prosConsWidget","pros":["Share price - The current price you pay per share.","Net Asset Value (NAV) per share - The value of the trust’s assets per share.","Premium/Discount - Shows if shares cost more (premium) or less (discount) than the NAV. Discount = Potential bargain; Premium = Paying extra.","Assets Under Management (AUM) - Total value of all assets managed by the trust.","Cash position - How much of the trust is held in cash (liquidity)."],"prosTitle":"Five factors to look out for when researching Investment Trusts:"},{"_key":"817a6fd47991","_type":"block","children":[{"_key":"1249fff0ad89","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1a6cbd1c70e3","_type":"block","children":[{"_key":"089934bb2292","_type":"span","marks":[],"text":""},{"_key":"cb6ea84cab7a","_type":"mainAnchor","pageAnchor":{"_ref":"83502423-4ef3-4841-ab26-c805017eeaff","_type":"reference"}},{"_key":"a232d7711266","_type":"span","marks":[],"text":"Do Investment Trusts pay dividends?"}],"markDefs":[],"style":"h3"},{"_key":"043912ad37af","_type":"block","children":[{"_key":"ab77febb9980","_type":"span","marks":[],"text":"Many do - and some are particularly popular with income investors for this reason."}],"markDefs":[],"style":"normal"},{"_key":"2fff0580f73d","_type":"block","children":[{"_key":"c75611e08554","_type":"span","marks":[],"text":"Investment Trusts can retain up to 15% of the income they earn each year and hold it in a revenue reserve. This acts like a rainy-day fund to top up dividends when times are tough - say, if the underlying companies cut or cancel dividends during a market downturn. This is called \"dividend smoothing\"."}],"markDefs":[],"style":"normal"},{"_key":"94c1e4542a3f","_type":"block","children":[{"_key":"0310ea26bfe2","_type":"span","marks":[],"text":"This allows some trusts to maintain or even increase their dividend payments year after year, which is when you’ll hear about “dividend heroes” - trusts with a decades-long track record of growing their payouts."}],"markDefs":[],"style":"normal"},{"_key":"9ad6fa421dc1","_type":"block","children":[{"_key":"4a7b559c5f95","_type":"span","marks":[],"text":""},{"_key":"88e6bbd34d42","_type":"mainAnchor","pageAnchor":{"_ref":"957565b7-0e48-493b-b2c8-f9c293e8527a","_type":"reference"}},{"_key":"0f22e614f2ea","_type":"span","marks":[],"text":"What are the most popular Investment Trusts in 2025?"}],"markDefs":[],"style":"h3"},{"_key":"5f5ec19650f5","_type":"block","children":[{"_key":"d06684384889","_type":"span","marks":[],"text":"Curious where other investors are putting their money right now? Each month, we go straight to the source - top UK platforms like AJ Bell, Fidelity, Hargreaves Lansdown and interactive investor - to find out which Investment Trusts are trending."}],"markDefs":[],"style":"normal"},{"_key":"d9389a028811","_type":"block","children":[{"_key":"25390b09675e","_type":"span","marks":[],"text":"Whether you're after inspiration, reassurance, or just a nosey peek at the crowd favourites, our regularly updated list reveals which trusts are winning the popularity contest. Click below to see the latest chart-toppers and discover the Investment Trusts investors are backing this month."}],"markDefs":[],"style":"normal"},{"_key":"ed3ff6480a8a","_type":"block","children":[{"_key":"8228b56c6771","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"8b7dea2bda41","_type":"block","children":[{"_key":"39be579df116","_type":"span","marks":["strong"],"text":"Best-selling funds, Investment Trusts and ETFs of the month"}],"markDefs":[],"style":"normal"}],"_key":"4051e2a5b8b7","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"aadcd51e-3d7b-47ae-94da-4226f4f25ea8","_type":"reference"},"text":"CLICK HERE"},{"_key":"e544d9aa7711","_type":"block","children":[{"_key":"804d889ebad9","_type":"span","marks":[],"text":""},{"_key":"1870300996ca","_type":"mainAnchor","pageAnchor":{"_ref":"34b1353a-e3e4-4949-a55d-dde0ba144f90","_type":"reference"}},{"_key":"bcaa00935937","_type":"span","marks":[],"text":"Key takeaways on Investment Trusts"}],"markDefs":[],"style":"h2"},{"_key":"599835c0317c","_type":"block","children":[{"_key":"8a5b90ea39bb","_type":"span","marks":[],"text":"🧺 Expert-run basket of investments"}],"markDefs":[],"style":"h3"},{"_key":"9f7085d663e6","_type":"block","children":[{"_key":"35fd28ac1212","_type":"span","marks":[],"text":"Investment Trusts give you instant access to a ready-made portfolio, professionally managed and listed on the stock exchange. They’re ideal if you want long-term exposure to a range of assets without having to pick and mix dozens of individual assets yourself."}],"markDefs":[],"style":"normal"},{"_key":"eeff39731acc","_type":"block","children":[{"_key":"3b059763de89","_type":"span","marks":[],"text":"📉 Unique structure brings opportunity - and complexity"}],"markDefs":[],"style":"h3"},{"_key":"1b888466206a","_type":"block","children":[{"_key":"3727d70893ae","_type":"span","marks":[],"text":"Because Investment Trusts are closed-ended and trade like shares, they can offer unique benefits like dividend smoothing. But you’ll also need to get to grips with concepts like discounts, premiums, and gearing - all of which can affect performance and are not always a good thing."}],"markDefs":[],"style":"normal"},{"_key":"12abbb9fe1d0","_type":"block","children":[{"_key":"2d641d000bba","_type":"span","marks":[],"text":"🧠 Best for confident, long-term investors"}],"markDefs":[],"style":"h3"},{"_key":"8a762a200e9a","_type":"block","children":[{"_key":"c349cd753cbc","_type":"span","marks":[],"text":"On the whole, trusts are not beginner-level “set it and forget it” products. They’re better suited to investors who are comfortable with a bit more risk and prepared to do some research - or at least know when to sit tight during the wobbles."}],"markDefs":[],"style":"normal"}],"brazeCustomAttributes":[{"_key":"aa59a00ce37a","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_INVTRUSTOldhub","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/investment-trusts/"}],"categories":[{"_key":"672677ab2487","_ref":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","_type":"reference"},{"_key":"e1120e151d99","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"19b349c44d17","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"}],"emailSignupWidgetButtonText":"SIGN UP","emailSignupWidgetParagraphText":"Join Boring Money for free today to make better money choices, whether using our guides, expert analysis, or comparison tools to find the best home for your money.","enableGatedContent":true,"excerpt":[{"_key":"97f3224bbda4","_type":"block","children":[{"_key":"c053506f794c","_type":"span","marks":[],"text":"Discover what Investment Trusts are, how they work, and whether they’re right for you. A beginner-friendly guide covering pros, cons, key terms, and top questions - no jargon, just straight answers."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"c71ef963aed2","_type":"block","children":[{"_key":"be503898747c","_type":"span","marks":[],"text":"The Hidden Investment Trusts Opportunity Most Investors Miss"}],"markDefs":[],"style":"h3"},{"_key":"6bbf3502837f","_type":"block","children":[{"_key":"27fe21db01dc","_type":"span","marks":[],"text":"Discover why savvy investors are turning to investment trusts for unique market access, discount opportunities, and income potential. "}],"markDefs":[],"style":"normal"},{"_key":"dff27c776561","_type":"block","children":[{"_key":"029ae0938ea2","_type":"span","marks":[],"text":"In this free guide we will run you through:"}],"markDefs":[],"style":"normal"},{"_key":"f6ef8929ca6e","_type":"textboxWidget","text":[{"_key":"4a238672f6d5","_type":"block","children":[{"_key":"3b7463c1c63c","_type":"span","marks":[],"text":"📚 Master the basics: what they are, how they work, and why they're different from ETFs and unit trusts"}],"markDefs":[],"style":"normal"}],"title":"Investment Trust Fundamentals"},{"_key":"eec7cbad1974","_type":"block","children":[{"_key":"934b92e52cd5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cc60bb222969","_type":"textboxWidget","text":[{"_key":"f32bf8c8fd69","_type":"block","children":[{"_key":"080f8e813438","_type":"span","marks":[],"text":"💰 Learn to spot value opportunities and understand when trusts trade above or below their true worth"}],"markDefs":[],"style":"normal"}],"title":"Discount & Premium Analysis"},{"_key":"08dbf8248879","_type":"block","children":[{"_key":"f2618fd95461","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4d64039df102","_type":"textboxWidget","text":[{"_key":"f32bf8c8fd69","_type":"block","children":[{"_key":"98b529a53743","_type":"span","marks":[],"text":"🎯 Expert frameworks for choosing the right trusts based on your goals, risk tolerance, and market outlook"}],"markDefs":[],"style":"normal"}],"title":"Selection Strategies"},{"_key":"43f41df95bf8","_type":"block","children":[{"_key":"fdfa9f886162","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b9d0469f8b4d","_type":"textboxWidget","text":[{"_key":"f32bf8c8fd69","_type":"block","children":[{"_key":"76bec339fc1c","_type":"span","marks":[],"text":"⚖️ Understand gearing, liquidity risks, and how to build a balanced investment trust portfolio"}],"markDefs":[],"style":"normal"}],"title":"Risk Management"},{"_key":"fb47ff0e5b49","_type":"block","children":[{"_key":"29b8aed482b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8c5e811ca532","_type":"blockQuote","adviserName":"Boring Money Reader ","jobTitle":"Review on Trustpilot","photo":{"_type":"mainImage","alt":"Trustpilot Review ","asset":{"_ref":"image-cab50560070797ca5f9323b7ef832c1bd90e71b4-1080x1080-png","_type":"reference"}},"quote":[{"_key":"b69be3255416","_type":"block","children":[{"_key":"c21a21a2ae71","_type":"span","marks":["em"],"text":"Making finance approachable"}],"markDefs":[],"style":"h4"},{"_key":"d7880bed822f","_type":"block","children":[{"_key":"3d673d79fa78","_type":"span","marks":["em"],"text":"Very good presentation/ advice/ information/ facts about financial matters without being too complex, nor patronisingly simple."}],"markDefs":[],"style":"normal"}]},{"_key":"5cb848ecc9f9","_type":"block","children":[{"_key":"ec20fc5e63bb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":true,"linkMenu":[{"_key":"61ac949cb433","_ref":"87f3122d-ad2d-4ede-92f9-b2ecf6a4bf5a","_type":"reference"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-ee7e98a93bbd27d2462219e28ad399638f66abb8-1920x1080-png","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_id":"c5dfb732-0c40-48c0-b83c-43edbd989063","_type":"breadcrumbCategory","_rev":"ShBttggBniCqjqcnCFzN3d","_createdAt":"2025-05-14T14:46:53Z","_updatedAt":"2025-05-14T14:47:34Z","breadcrumbList":[{"_key":"4b7d23f0ff8b","_type":"breadcrumbReference","linkReference":{"_ref":"77a8222e-6c69-4668-941b-910d7abe4cff","_type":"reference"},"title":"Investing Guides"},{"_key":"e886721113b6","_type":"breadcrumbReference","linkReference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"},"title":"Investment Trusts"}],"breadcrumbName":"Investment Trust Guide","id":"-9e582478-fd7e-52e7-8779-de942734c5ce","children":[],"parent":null},"publishedAt":"2025-05-28T10:17:16.230Z","slug":{"_type":"slug","current":"investment-trusts"},"subfolder":{"_id":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"folderCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2021-06-22T09:35:09Z","_updatedAt":"2021-06-22T09:35:09Z","folder":"/learn/investing-guides/product-guides/","id":"-57353ca1-a68f-5fa6-85ec-713254904371","children":[],"parent":null},"template":"C-SB","textNextToKey":"Unlock this guide to continue reading","theme":"Boring Money theme","title":"Your Guide to Investment Trusts: What, Why, and How","widgets":[{"_key":"e2c8fd1eb749","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"},{"_key":"747fe4989141","_ref":"db511b94-e745-4018-b969-1b835fbae6dc","_type":"reference"},{"_key":"135a2ffb60c5","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-fb256d0f-1e0f-5be0-91d1-0f1ae495aa3c","children":[],"parent":null}},{"_key":"7d928237d24b","_type":"internalLinkPick","reference":{"_id":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"information","_rev":"fw49Y4IZoXJApjfqCCyZNf","_createdAt":"2023-11-16T12:59:54Z","_updatedAt":"2026-03-09T13:18:07Z","_system":{"base":{"id":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","rev":"fw49Y4IZoXJApjfqCCxluV"}},"authors":[{"_key":"cc63743a38de","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"f66731d93db7","_type":"block","children":[{"_key":"cf8d62450b58","_type":"span","marks":[],"text":"By "},{"_key":"73bd854849e2","_type":"span","marks":["strong"],"text":"Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"6aad5df3ad69","_type":"anchorMenuMobile","title":"s"},{"_key":"8c82f2fafad9","_type":"block","children":[{"_key":"3570446b070b","_type":"span","marks":[],"text":""},{"_key":"217c9c30297d","_type":"mainAnchor","pageAnchor":{"_ref":"5709e327-caf0-425e-90a9-173a2203789a","_type":"reference"}},{"_key":"07221a11520e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a5f172a812a8","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"5c0f51422372","_type":"block","children":[{"_key":"803ff75078f3","_type":"span","marks":[],"text":"🥜 In a nutshell"}],"markDefs":[],"style":"h4"},{"_key":"58aee129c0ef","_type":"block","children":[{"_key":"9679a6a233c4","_type":"span","marks":["strong"],"text":"The investing equivalent of a ready meal -"},{"_key":"daf0bff8de2d","_type":"span","marks":[],"text":" All wrapped up and ready for you."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a5620632e666","_type":"block","children":[{"_key":"faf85ec9f733","_type":"span","marks":["strong"],"text":"Choose your preferred risk level -"},{"_key":"3c5e2f6be380","_type":"span","marks":[],"text":" Usually a choice between 'low', 'medium' and 'high' or equivalent."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"60bc908da121","_type":"block","children":[{"_key":"e3d9a0da2c63","_type":"span","marks":["strong"],"text":"Designed to diversify - "},{"_key":"40a471c6ae2e","_type":"span","marks":[],"text":"Typically a mix of different assets to spread your risk."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"0b9d0ab0a2a8","_type":"block","children":[{"_key":"c43b4710ef62","_type":"span","marks":["strong"],"text":"Set and forget - "},{"_key":"5017722a1843","_type":"span","marks":[],"text":"No need to pick stocks or rebalance, it’s all done automatically."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ab89584167bd","_type":"block","children":[{"_key":"5ae57b9634db","_type":"span","marks":["strong"],"text":"Good for beginners - "},{"_key":"fd8d1e53dc9e","_type":"span","marks":[],"text":"A low-effort, hands-off solution for those who'd rather leave the stock-picking to the experts"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"32f4d4ea8a30","_type":"block","children":[{"_key":"08f21dc00a6a","_type":"span","marks":[],"text":""},{"_key":"331afe41c06b","_type":"mainAnchor","pageAnchor":{"_ref":"324318c3-df5b-48b0-b1e9-a9ca1902ed41","_type":"reference"}},{"_key":"73e6a4cca2f60","_type":"span","marks":[],"text":"The basics of ready-made portfolios"}],"markDefs":[],"style":"h2"},{"_key":"ffa82c8982e2","_type":"block","children":[{"_key":"5fd25e8561550","_type":"span","marks":[],"text":"A ready-made portfolio is a premade bundle of investments. All the hard work of researching and stock-picking to curate a "},{"_key":"7a127e5a3ece","_type":"span","marks":["aaabc6610285"],"text":"diversified"},{"_key":"dfb367445091","_type":"span","marks":[],"text":" "},{"_key":"cf3cc6620bb4","_type":"span","marks":["6255bb0f158a"],"text":"portfolio"},{"_key":"8209e862770d","_type":"span","marks":[],"text":" is done for you by a professional, who wraps it all up into one single product. The "},{"_key":"b79c33a8acc9","_type":"span","marks":["9a1e943af354"],"text":"underlying"},{"_key":"4bba2459a6ed","_type":"span","marks":[],"text":" investments and how they're "},{"_key":"1bca3bc76823","_type":"span","marks":["fa4b026e21bd"],"text":"allocated"},{"_key":"13236ca14649","_type":"span","marks":[],"text":" is researched and chosen by a professional fund manager, who may also continually monitor its performance. "}],"markDefs":[{"_key":"aaabc6610285","_type":"glossaryPick","reference":{"_ref":"4e600be7-9819-47d4-9ee6-de4019f8a10e","_type":"reference"}},{"_key":"6255bb0f158a","_type":"glossaryPick","reference":{"_ref":"6b92523e-8382-472b-a1d9-c0e1654e0ad7","_type":"reference"}},{"_key":"9a1e943af354","_type":"glossaryPick","reference":{"_ref":"cb2d54a5-51bd-4510-96c6-badad138eff7","_type":"reference"}},{"_key":"fa4b026e21bd","_type":"glossaryPick","reference":{"_ref":"165e2844-2508-4b9c-988e-01423983d304","_type":"reference"}}],"style":"normal"},{"_key":"e54f9f58d6eb","_type":"block","children":[{"_key":"9c009c4938d8","_type":"span","marks":[],"text":"Ready-made portfolios can be a great way for beginners to take their first steps into the world of investing. It’s the ultimate low effort way to invest – without having to spend hours scouring the internet doing your own research. "}],"markDefs":[],"style":"normal"},{"_key":"d3ead61d6c21","_type":"block","children":[{"_key":"c0dfd1509888","_type":"span","marks":[],"text":"They're often well-diversified, meaning they take steps to spread your "},{"_key":"9c923e007484","_type":"span","marks":["cf36465504d9"],"text":"investment risk"},{"_key":"a4192dd9c7ba","_type":"span","marks":[],"text":", which may include investing in:"}],"markDefs":[{"_key":"cf36465504d9","_type":"internalLinkPick","reference":{"_ref":"5c5d525c-fda5-421a-aa58-0cffb97b4c8d","_type":"reference"}}],"style":"normal"},{"_key":"bbcba856a871","_type":"block","children":[{"_key":"99b91b43146b","_type":"span","marks":[],"text":"Different types of asset, such as "},{"_key":"e31bbb645c08","_type":"span","marks":["09036afb4c99"],"text":"shares"},{"_key":"4627b8514e3a","_type":"span","marks":[],"text":" and "},{"_key":"13546b44a193","_type":"span","marks":["5183d26a5c8a"],"text":"bonds"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"09036afb4c99","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}},{"_key":"5183d26a5c8a","_type":"internalLinkPick","reference":{"_ref":"583a0e19-d23d-4df3-989f-54c2368f0d41","_type":"reference"}}],"style":"normal"},{"_key":"41e8abe4d9f8","_type":"block","children":[{"_key":"9cc1ce18c7b1","_type":"span","marks":[],"text":"Across different regions, such as developed and developing markets"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"872a429aea56","_type":"block","children":[{"_key":"fe1c764f779a","_type":"span","marks":[],"text":"Different sectors of the economy, such as energy and agriculture"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"6cfadaf03c03","_type":"block","children":[{"_key":"827412f5b4e40","_type":"span","marks":[],"text":"Usually, a provider will offer a selection of ready-made portfolios tailored to different risk levels. You might see, for example, ready-made portfolios called ‘Cautious’ (low risk), ‘Balanced’ (medium risk) or ‘Adventurous’ (high risk). You may also come across alternative names like ‘Defensive’, ‘Conservative’ or ‘Growth’. "}],"markDefs":[],"style":"normal"},{"_key":"32de35e854b7","_type":"block","children":[{"_key":"3fe73043d84a","_type":"span","marks":[],"text":"Different providers tend to have their own naming conventions, but broadly speaking they’re referring to the amount of investment risk associated with the portfolio."}],"markDefs":[],"style":"normal"},{"_key":"d4695d0912db","_type":"block","children":[{"_key":"840ffca313df0","_type":"span","marks":[],"text":"You can invest in ready-made portfolios through an investment account, including a "},{"_key":"a340727bdf99","_type":"span","marks":["7c11a1b8f3ee"],"text":"Stocks & Shares ISA"},{"_key":"768b39fd9db7","_type":"span","marks":[],"text":", a "},{"_key":"746f4dc8a820","_type":"span","marks":["273a55746902"],"text":"General Investment Account (GIA)"},{"_key":"e65f293cc4fb","_type":"span","marks":[],"text":" or with a "},{"_key":"9132339cb3f8","_type":"span","marks":["ec569ef2159a"],"text":"Self-Invested Personal Pension (SIPP)"},{"_key":"8f8c559666ca","_type":"span","marks":[],"text":". "}],"markDefs":[{"_key":"7c11a1b8f3ee","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}},{"_key":"273a55746902","_type":"internalLinkPick","reference":{"_ref":"5a9228ba-a3c9-4551-a0fa-b89474ae2f42","_type":"reference"}},{"_key":"ec569ef2159a","_type":"internalLinkPick","reference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"}}],"style":"normal"},{"_key":"108dab8e98ad","_type":"block","children":[{"_key":"01a82620d156","_type":"span","marks":[],"text":""},{"_key":"5001fd32bfd9","_type":"mainAnchor","pageAnchor":{"_ref":"094d1a3e-f7bf-4543-a216-e6804a5653f3","_type":"reference"}},{"_key":"2c33a3ffbf610","_type":"span","marks":[],"text":"Are ready-made portfolios right for me?"}],"markDefs":[],"style":"h2"},{"_key":"0681f3e2bff9","_type":"prosConsWidget","cons":["Prefer to do your own research to make your perfect portfolio","Are looking for the lowest possible fees and/or charges"],"consTitle":"Bad if you","pros":["Are a beginner investor who wants an easy way to get started","Trust an expert to get better returns than if you did it yourself","Don’t mind paying a little bit extra for the convenience"],"prosTitle":"Good if you"},{"_key":"288f1bcc2990","_type":"quickSurveyChooser","surveyChoose":{"_ref":"c73dfa8f-7974-445e-aa78-adc83c3cfbda","_type":"reference"}},{"_key":"e04830d79fa9","_type":"block","children":[{"_key":"3288011845cc","_type":"span","marks":[],"text":""},{"_key":"090182776d6e","_type":"mainAnchor","pageAnchor":{"_ref":"a2748707-923a-4ba0-b66d-cbe3a285ea46","_type":"reference"}},{"_key":"affa5f3923f40","_type":"span","marks":[],"text":"The pros of ready-made portfolios"}],"markDefs":[],"style":"h2"},{"_key":"c9bfcdc5df66","_type":"block","children":[{"_key":"186b2974a8e7","_type":"span","marks":[],"text":""},{"_key":"9c6f00727f32","_type":"mainAnchor","pageAnchor":{"_ref":"25791fd1-2a35-483d-b268-2859edd81afa","_type":"reference"}},{"_key":"2fe435f7e50f","_type":"span","marks":[],"text":"✅ Straightforward and simple"}],"markDefs":[],"style":"h3"},{"_key":"415c83a8b6ca","_type":"block","children":[{"_key":"a8f63129557b","_type":"span","marks":[],"text":"You don’t have to do much to invest in a ready-made portfolio. All you have to do is arrange the initial investment and voilá, you’re an investor. This makes them a good choice for beginners who don’t want the fuss of setting up and running an account full of dozens of individual investments which need ongoing monitoring and rebalancing."}],"markDefs":[],"style":"normal"},{"_key":"6a969e94f629","_type":"block","children":[{"_key":"5334eedd8c57","_type":"span","marks":[],"text":""},{"_key":"f2fd9b9717c2","_type":"mainAnchor","pageAnchor":{"_ref":"181b9e36-bb26-4770-aa86-834fe4c3b071","_type":"reference"}},{"_key":"372ceb99d8ad","_type":"span","marks":[],"text":"✅ Managed by an expert"}],"markDefs":[],"style":"h3"},{"_key":"3271dc505d50","_type":"block","children":[{"_key":"797c7e847f86","_type":"span","marks":[],"text":"If you don’t feel confident about picking a ‘good’ investment from a ‘bad’ one, the fund manager for a ready-made portfolio does all the research and number-crunching for you. It’s less pressure on you and means your portfolio is likely to do better than if you managed it yourself (because you’ve got an expert making all the decisions, after all)."}],"markDefs":[],"style":"normal"},{"_key":"d61f42f71094","_type":"block","children":[{"_key":"e4871389a7bc","_type":"span","marks":[],"text":""},{"_key":"cb686d172848","_type":"mainAnchor","pageAnchor":{"_ref":"ae53200e-4c18-4516-9c27-7232613428f4","_type":"reference"}},{"_key":"f6aae1827928","_type":"span","marks":[],"text":"✅ Can pick your preferred risk level"}],"markDefs":[],"style":"h3"},{"_key":"9aefcdb6cc19","_type":"block","children":[{"_key":"92075c6f724d","_type":"span","marks":[],"text":"Many ready-made portfolios are ranked by their risk level (broadly speaking, how much exposure they have to shares vs less volatile assets like bonds). Descriptors like 'Cautious' or 'Ambitious' are frequently used, or sometimes expressed using visuals such as chilli peppers - not unlike the spice rating on a takeaway menu! This makes it easy to determine if the product suits your desired level of risk and saves you from having to wade through a text-heavy "},{"_key":"46f6bafa12ea","_type":"span","marks":["86b5358353ce"],"text":"KIID"},{"_key":"ff66e7784d1c","_type":"span","marks":[],"text":" to make the call yourself."}],"markDefs":[{"_key":"86b5358353ce","_type":"glossaryPick","reference":{"_ref":"9b1f4399-11e7-43f4-b6ea-8718b9895f89","_type":"reference"}}],"style":"normal"},{"_key":"18af28ab6fc7","_type":"block","children":[{"_key":"dfa3d56ab883","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4e5c6a6dd44e","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","alt":"Holly Mackay's opinion on ready-made portfolios","asset":{"_ref":"image-09007f04fb546b786000b2729947b6dfc2f690aa-606x438-jpg","_type":"reference"}},"quote":[{"_key":"a10fd11e337c","_type":"block","children":[{"_key":"5f814072bb9f","_type":"span","marks":[],"text":"Investing can feel easier once you get into the swing; the difficult bit is knowing where to start. After all, there are tens of thousands of investment options out there, offered by a growing number of investment platforms. I think ready-made portfolios can be a good starting point. These are off-the-peg portfolios and offered by most investment platforms. They are ideal for people who don't want to spend their time handpicking funds and learning the ins and outs. They don't require you to make any decisions about what to invest in. The only questions you'll need to answer are about how much risk you are willing to take on."}],"markDefs":[],"style":"normal"}]},{"_key":"d1c8ce807752","_type":"block","children":[{"_key":"529ab8a31dcc","_type":"span","marks":[],"text":""},{"_key":"db928b2e64b8","_type":"mainAnchor","pageAnchor":{"_ref":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"reference"}},{"_key":"b19a367e56990","_type":"span","marks":[],"text":"The cons of ready-made portfolios"}],"markDefs":[],"style":"h2"},{"_key":"9701fedd8172","_type":"block","children":[{"_key":"e19f4c941d4b","_type":"span","marks":[],"text":""},{"_key":"f652477a950f","_type":"mainAnchor","pageAnchor":{"_ref":"f7bfd443-0667-4ed8-a204-d14224f4feae","_type":"reference"}},{"_key":"badf8df9a789","_type":"span","marks":[],"text":"❌ Not enough choice"}],"markDefs":[],"style":"h3"},{"_key":"d8a15008fa5d","_type":"block","children":[{"_key":"d748871ab1a9","_type":"span","marks":[],"text":"If you’re a more experienced investor or someone who would prefer to have control over the ins and outs of their investments, a ready-made portfolio isn’t going to give you enough choice. All the decisions about what the portfolio is invested in, the proportion each element makes up of the whole and whether or not any adjustments are necessary are made for you – so if you want to be in total control, it’s not for you."}],"markDefs":[],"style":"normal"},{"_key":"00941053b8cf","_type":"block","children":[{"_key":"0be4f48a8010","_type":"span","marks":[],"text":""},{"_key":"48144685f283","_type":"mainAnchor","pageAnchor":{"_ref":"51c9ec3b-283f-439f-8475-964151d80f2b","_type":"reference"}},{"_key":"8969169c47b3","_type":"span","marks":[],"text":"❌ Can be expensive"}],"markDefs":[],"style":"h3"},{"_key":"d59831db12af","_type":"block","children":[{"_key":"d28e8fadda4e","_type":"span","marks":[],"text":"Ready-made portfolios can come with a higher price tag if you buy them through a"},{"_key":"2046e2f7789b","_type":"span","marks":["371b58d7b032"],"text":" robo adviser"},{"_key":"ea084cb7ca23","_type":"span","marks":[],"text":". This is because robo advisers typically offer a rebalancing service where your portfolio is continually monitored and adjusted using complex algorithms and AI designed to match your chosen level of investment risk (more on robo advisers and risk later). You’re essentially paying a bit extra for the convenience of not having to do this number-crunching – or the admin of manually tweaking your investments – yourself.  For some this isn’t worth it, but for others, some extra money every year for someone else to do the hard work is a sacrifice worth making. "}],"markDefs":[{"_key":"371b58d7b032","_type":"glossaryPick","reference":{"_ref":"a4f2c20d-3281-4d94-abdb-4a361ef45dab","_type":"reference"}}],"style":"normal"},{"_key":"7d9c5d5222b3","_type":"block","children":[{"_key":"976cd411fcf4","_type":"span","marks":[],"text":"Alternatively, ready-made portfolios cost the same amount on a standard investment platform as buying all the individual investments separately on the same platform. But for many investors, and particularly for beginners, if you’re happy with what a ready-made portfolio is investing in, it's usually easier to just buy it. Otherwise you're managing dozens of individual investments separately for the same end cost."}],"markDefs":[],"style":"normal"},{"_key":"714ff3fd4efc","_type":"block","children":[{"_key":"852b280917d7","_type":"span","marks":[],"text":""},{"_key":"04f08902b23a","_type":"mainAnchor","pageAnchor":{"_ref":"4c907ba2-4736-40b1-9cbc-d4a67ed183f2","_type":"reference"}},{"_key":"6ceeced9d06a","_type":"span","marks":[],"text":"❌ Hard to compare performance"}],"markDefs":[],"style":"h3"},{"_key":"f64b86f5afcd","_type":"block","children":[{"_key":"bd2f100d6f1b0","_type":"span","marks":[],"text":"There’s a large selection of ready-made portfolios on the market, all of which can invest in very different things in very different ways, which can make it difficult to compare how the one you’ve got is doing relative to similar ones. This could mean you end up sticking around in a portfolio which is underperforming simply because you’re not aware of its relative performance. "}],"markDefs":[],"style":"normal"},{"_key":"706f68ae82ac","_type":"block","children":[{"_key":"e18954c2940e","_type":"span","marks":[],"text":"Fortunately, we’ve got just fix for that - "},{"_key":"24db6d8b3e40","_type":"span","marks":["5e4ffac83d08"],"text":"click here"},{"_key":"9e947ac64466","_type":"span","marks":[],"text":" to see the latest performance results from the UK's top ready-made portfolio providers. "}],"markDefs":[{"_key":"5e4ffac83d08","_type":"internalLinkPick","reference":{"_ref":"9759ddeb-6a13-408b-9fb3-4b03280fa475","_type":"reference"}}],"style":"normal"},{"_key":"9d7b668936f0","_type":"block","children":[{"_key":"ca9cec0117b7","_type":"span","marks":[],"text":""},{"_key":"5cd5e1d68f45","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"e8fe8a7219dc","_type":"span","marks":[],"text":"Top questions on ready-made portfolios"}],"markDefs":[],"style":"h2"},{"_key":"e689c6ec2420","_type":"block","children":[{"_key":"cfac45cad209","_type":"span","marks":[],"text":"How much do ready-made portfolios cost?"}],"markDefs":[],"style":"h3"},{"_key":"bbdc8bc5795d","_type":"block","children":[{"_key":"176dd5566bb7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9d741607ffb8","_type":"textboxWidget","image":{"_type":"mainImage","alt":"💡 All-in fees are typically in the range of between 0.50 - 1% per year."},"text":[{"_key":"39e59e8b504d","_type":"block","children":[{"_key":"58347245920d","_type":"span","marks":[],"text":"💡"},{"_key":"2437b6c33d1a","_type":"span","marks":["strong"],"text":" All-in fees are typically in the range of between 0.50 - 1% per year."}],"markDefs":[],"style":"normal"}]},{"_key":"a2ed30724981","_type":"block","children":[{"_key":"d971f6d3c5ce","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"26004d4bc6ca","_type":"block","children":[{"_key":"cb896735a55b0","_type":"span","marks":[],"text":"The cost of investing in a ready-made portfolio depends on which one you choose and the provider that runs it. All-in fees are typically in the range of between 0.50 - 1% per year. "}],"markDefs":[],"style":"normal"},{"_key":"47000acf2489","_type":"block","children":[{"_key":"285e9351cfbe","_type":"span","marks":[],"text":"See how the Boring Money analysts rate the costs of ready-made solutions across different pricing scenarios below"}],"markDefs":[],"style":"normal"},{"_key":"ffa6948a3cec","_type":"frameWidget","href":"https://www.canva.com/design/DAHDdOoh13Q/PV58xgqF_Alg8RV94V6uWA/view?embed"},{"_key":"cee907087323","_type":"block","children":[{"_key":"2dcdaf90205e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4dfb663757e4","_type":"block","children":[{"_key":"8bd12e398357","_type":"span","marks":["em"],"text":"Source: Boring Money Data, correct as at 01/03/2026"}],"markDefs":[],"style":"small"},{"_key":"3b5ad8b04f10","_type":"block","children":[{"_key":"e39bc5ec0cea","_type":"span","marks":[],"text":"Ready-made portfolios bought from a robo adviser are usually on the higher end of this scale. However, as we mentioned before, you’re effectively paying for the convenience of the robo adviser to select and monitor all the underlying investments for you on an ongoing basis. This means that the price is sometimes a bit higher, but there’s less effort required from you to regularly tweak and rebalance your portfolio by yourself."}],"markDefs":[],"style":"normal"},{"_key":"6eabbce8b1ce","_type":"block","children":[{"_key":"429b0608ca66","_type":"span","marks":[],"text":""},{"_key":"732c3e42c6b1","_type":"mainAnchor","pageAnchor":{"_ref":"282a43f9-0565-46fe-aa52-8a66a420d68a","_type":"reference"}},{"_key":"2cb08af59ddd","_type":"span","marks":[],"text":"What’s the difference between a multi-asset fund and a ready-made portfolio? "}],"markDefs":[],"style":"h3"},{"_key":"b0a88c6ba6cb","_type":"block","children":[{"_key":"057476df7b6c","_type":"span","marks":[],"text":"In simple terms, a multi-asset fund is a single fund that holds a variety of different assets. A "},{"_key":"31ab943afc9f","_type":"span","marks":["876aa3b004a1"],"text":"ready-made portfolio"},{"_key":"97a3916ed8cc","_type":"span","marks":[],"text":", on the other hand, is usually a bundle of different funds (often including multi-asset funds) prepared by an investment provider to match "}],"markDefs":[{"_key":"876aa3b004a1","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"242ee40ac74f","_type":"block","children":[{"_key":"51fdb12bddd7","_type":"span","marks":[],"text":"Think of the fund as one dish and the portfolio as the whole buffet."}],"markDefs":[],"style":"normal"},{"_key":"bec54f1c56fa","_type":"block","children":[{"_key":"bcf2f1a0038e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"317c0d081502","_type":"block","children":[{"_key":"5772c15edf52","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9060d899741d","_type":"tableControl","rows":[{"_key":"7e51deb836d3","_type":"row","cells":[{"_key":"f79d114c10a9","_type":"cell","tableStyle":"DB","value":[{"_key":"db14d1ee515e","_type":"block","children":[{"_key":"f54fcb46e9ca","_type":"span","marks":["strong"],"text":"Multi-asset fund"}],"markDefs":[],"style":"normal"}]},{"_key":"ec9b259076b3","_type":"cell","tableStyle":"DB","value":[{"_key":"b8e4014834b2","_type":"block","children":[{"_key":"94bf261b4147","_type":"span","marks":["strong"],"text":"Ready-made portfolio"}],"markDefs":[],"style":"normal"}]}]},{"_key":"e7fbd6e6219c","_type":"row","cells":[{"_key":"86b27cce148b","_type":"cell","tableStyle":"W","value":[{"_key":"c2004c5b3b00","_type":"block","children":[{"_key":"53fbbf0726950","_type":"span","marks":[],"text":"A single fund that provides exposure to multiple assets within one product – for example, bonds, shares "},{"_key":"b8ea44672d72","_type":"span","marks":["em"],"text":"and "},{"_key":"2b6384c2e993","_type":"span","marks":[],"text":"commodities."}],"markDefs":[],"style":"normal"}]},{"_key":"210631dccfd3","_type":"cell","tableStyle":"W","value":[{"_key":"570b344f46cf","_type":"block","children":[{"_key":"3a526871864d0","_type":"span","marks":[],"text":"A type of multi-asset fund which provides a blend of bond and equity exposure depending on your tolerance for risk (more on this below)."}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB"},{"_key":"125dfe6fa1b2","_type":"block","children":[{"_key":"f9cdfa0bf2f7","_type":"span","marks":[],"text":""},{"_key":"ac1102b3e9b4","_type":"mainAnchor","pageAnchor":{"_ref":"949df85c-448c-42b2-96e9-1eba6b556a6a","_type":"reference"}},{"_key":"2c4c835751a20","_type":"span","marks":[],"text":"How do I know which risk level is right for me?"}],"markDefs":[],"style":"h3"},{"_key":"12f2937f6de7","_type":"block","children":[{"_key":"df5f6bb4c3ea0","_type":"span","marks":[],"text":"Deciding how much risk you’re willing to tolerate with your investments is ultimately a personal decision. It’s important however to understand what we really mean when we talk about investment ‘risk’ before you make a decision."}],"markDefs":[],"style":"normal"},{"_key":"921a38fb4d03","_type":"block","children":[{"_key":"bbb7b3c50de90","_type":"span","marks":[],"text":"It’s not the same as - let's say - gambling, skiing down the black run, or even driving on the motorway at 100 miles per hour. Investment risk is actually all about volatility and how much the stock market can fluctuate over a given period of time. If you're investing over 30 years, for example, the ups and downs of today don't matter as much because you’ve got plenty of time to make up for any poor performances. But if, on the other hand, you’re investing for only 5 years, your investments would have a lot less time to recover if markets took a dip. So you can see, timeframes play a huge role in investment risk."}],"markDefs":[],"style":"normal"},{"_key":"339ffa75ca9d","_type":"block","children":[{"_key":"1c50a1db9038","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ab8a58ed19f8","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","alt":"Holly Mackay on investing risk and timeframes","asset":{"_ref":"image-09007f04fb546b786000b2729947b6dfc2f690aa-606x438-jpg","_type":"reference"}},"quote":[{"_key":"ea64f9ed170b","_type":"block","children":[{"_key":"b9917d105263","_type":"span","marks":[],"text":"As a rule of thumb, the more risk you take, the greater the chance of higher returns over the long-term. However, only you will know which category is right for you. Generally speaking, if your investment time horizon is ten years or more, then you could consider the higher risk portfolios. For those people investing with shorter time horizons - five years or so - or who don't have an appetite for alarming ups and downs, the low risk portfolios could be a good option. In theory, they should offer a smoother investment ride; they will make less over the long-term, but face less short-term volatility. Less than five years though and cash may be your best bet."}],"markDefs":[],"style":"normal"}]},{"_key":"82fedf2607f2","_type":"block","children":[{"_key":"8fd35a343b0f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2c835a525aea","_type":"block","children":[{"_key":"1ef87a462c1a0","_type":"span","marks":[],"text":"It’s also important to remember the very real risk of underestimating the impact of "},{"_key":"978d3055f439","_type":"span","marks":["1a8ada013d70"],"text":"inflation"},{"_key":"6d0cbd2e7e61","_type":"span","marks":[],"text":" on cash. Though it’s understandable to feel unsure and even nervous about investing your money, you could be locking yourself into losses if you leave your money in a current account or low interest savings account. Inflation will chew away at your pot over the longer-term and you could end up with savings that are worth considerably less than they were when you started. For example, if inflation is at 5% and you’re only earning 3% interest on your current account, then you’re actually losing 2% in real terms."}],"markDefs":[{"_key":"1a8ada013d70","_type":"glossaryPick","reference":{"_ref":"9d62b1af-7674-4f39-ba20-b0154d565241","_type":"reference"}}],"style":"normal"},{"_key":"7225e60d248d","_type":"block","children":[{"_key":"6b1ed8141a9d0","_type":"span","marks":[],"text":"For those aiming to save for five years or less, this is less of a concern, but the cumulative effect of inflation over periods longer than this could erode the value of your savings. So if you’re going to be investing for five years or more, for most people it’s generally worth considering investing to protect yourself against the corroding power of inflation."}],"markDefs":[],"style":"normal"},{"_key":"5d1fd8f05194","_type":"block","children":[{"_key":"07a69a2d5c5a0","_type":"span","marks":[],"text":"The table below is a very rough guide of how your investing timeframes can inform the level of risk that’s best for you – your ‘risk tolerance’. Of course, this is ultimately a personal decision and there are no guarantees when it comes to investing; your money can go up in value as well as down, no matter how ‘risky’ your investments are advertised to be. But you may find the rules of thumb below a helpful guide for understanding a reasonable level of risk depending on your timeframe."}],"markDefs":[],"style":"normal"},{"_key":"f47fae813a52","_type":"block","children":[{"_key":"46cf9400f4ee","_type":"span","marks":[],"text":""},{"_key":"6c686393f934","_type":"mainAnchor","pageAnchor":{"_ref":"ef9f9b62-2865-4b44-a20b-074d00b916d2","_type":"reference"}},{"_key":"dbaed6fe75790","_type":"span","marks":[],"text":"Risk tolerance according to timeframe"}],"markDefs":[],"style":"h3"},{"_key":"5ea074d7b146","_type":"tableControl","rows":[{"_key":"58d6d663aa05","_type":"row","cells":[{"_key":"66259efebabc","_type":"cell","tableStyle":"DB","value":[{"_key":"a10009de14fc","_type":"block","children":[{"_key":"e4b0c40a50db","_type":"span","marks":["strong"],"text":"Your investing timeframe"}],"markDefs":[],"style":"normal"}]},{"_key":"2885dffb3d8e","_type":"cell","tableStyle":"DB","value":[{"_key":"6644784315d3","_type":"block","children":[{"_key":"3d11c73a48bf","_type":"span","marks":["strong"],"text":"5 years or less"}],"markDefs":[],"style":"normal"}]},{"_key":"8a51465c8a46","_type":"cell","tableStyle":"DB","value":[{"_key":"fbbcb801ac0a","_type":"block","children":[{"_key":"3074f6c97fd6","_type":"span","marks":["strong"],"text":"5-10 years"}],"markDefs":[],"style":"normal"}]},{"_key":"c7362725e67c","_type":"cell","tableStyle":"DB","value":[{"_key":"bb73b28d30f7","_type":"block","children":[{"_key":"fa27110624ff","_type":"span","marks":["strong"],"text":"10 years or more"}],"markDefs":[],"style":"normal"}]}]},{"_key":"fae2d542bb4d","_type":"row","cells":[{"_key":"1d85ab1d3098","_type":"cell","tableStyle":"W","value":[{"_key":"90fd8e2a0b0c","_type":"block","children":[{"_key":"b16a307dcc7e","_type":"span","marks":["strong"],"text":"How much risk is right for you?"}],"markDefs":[],"style":"normal"}]},{"_key":"7373cced3a67","_type":"cell","tableStyle":"W","value":[{"_key":"d6b19a73c6d4","_type":"block","children":[{"_key":"b211174962250","_type":"span","marks":[],"text":"Low or very low - cash may be best if you can get an interest rate in line with or above inflation"}],"markDefs":[],"style":"normal"}]},{"_key":"06b18995b956","_type":"cell","tableStyle":"W","value":[{"_key":"d9bff909ab3d","_type":"block","children":[{"_key":"8ec698e26aff0","_type":"span","marks":[],"text":"Medium"}],"markDefs":[],"style":"normal"}]},{"_key":"efbbf2cac0c8","_type":"cell","tableStyle":"W","value":[{"_key":"b0d87324ec8e","_type":"block","children":[{"_key":"c5b91cb0cab90","_type":"span","marks":[],"text":"High"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB"},{"_key":"10b738ec6d57","_type":"block","children":[{"_key":"71c2cefc6dfb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8cde6de03745","_type":"quickSurveyChooser","surveyChoose":{"_ref":"ebe4f739-6846-40e6-bcc9-3b582ccad896","_type":"reference"}},{"_key":"b000ddd2b784","_type":"block","children":[{"_key":"1eb6cde1fb3a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9d4766e2ccf8","_type":"block","children":[{"_key":"f103a958b7a3","_type":"span","marks":[],"text":""},{"_key":"6dd4299d16f9","_type":"mainAnchor","pageAnchor":{"_ref":"b0688bee-4247-4342-91e0-d2c1953682b6","_type":"reference"}},{"_key":"780bb962f545","_type":"span","marks":[],"text":"What is the best performing ready-made portfolio?"}],"markDefs":[],"style":"h3"},{"_key":"20c3ad432ff1","_type":"block","children":[{"_key":"41b5068de1950","_type":"span","marks":[],"text":"As there are so many ready-made portfolios on the market, and because they all contain different investments split in different ways, it can be hard to compare and determine if the one you’re investing in is actually performing well – or if, maybe, it’s not living up to your expectations. That’s where we come in. "}],"markDefs":[],"style":"normal"},{"_key":"f7653de76ffb","_type":"block","children":[{"_key":"f620afc9a94e","_type":"span","marks":[],"text":"Every quarter (three months), we crunch the numbers for you and analyse the ready-made investment market to identify the top performers, so you can see how well your investment is faring compared to similar portfolios. Click the link below to see the latest figures."}],"markDefs":[],"style":"normal"},{"_key":"e985f911e02a","_type":"block","children":[{"_key":"059f8d754d59","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"da9cd9e0788c","_type":"block","children":[{"_key":"b3d09dcf5451","_type":"span","marks":["strong"],"text":"Discover the top performing ready-made investments"}],"markDefs":[],"style":"normal"}],"_key":"2845f89d7830","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"9759ddeb-6a13-408b-9fb3-4b03280fa475","_type":"reference"},"text":"FIND OUT"},{"_key":"ed5da9f65afb","_type":"block","children":[{"_key":"d0aa18f39872","_type":"span","marks":[],"text":""},{"_key":"277ae555cb84","_type":"mainAnchor","pageAnchor":{"_ref":"34b1353a-e3e4-4949-a55d-dde0ba144f90","_type":"reference"}},{"_key":"96c64d7561d1","_type":"span","marks":[],"text":"Key takeaways on ready-made portfolios"}],"markDefs":[],"style":"h2"},{"_key":"deeebad0ba26","_type":"block","children":[{"_key":"fdb4d928dfeb","_type":"span","marks":[],"text":"😎 A low-effort way to start investing"}],"markDefs":[],"style":"h3"},{"_key":"7acdc16f2faa","_type":"block","children":[{"_key":"10eef124c10b","_type":"span","marks":[],"text":"Ready-made portfolios take the faff out of investing. You pick your risk level, and the experts handle the rest - from choosing the investments to managing them over time. Great for beginners, time-poor professionals, or anyone who wants to invest without becoming a part-time fund manager!"}],"markDefs":[],"style":"normal"},{"_key":"2837ea39eec8","_type":"block","children":[{"_key":"cb14a1d4ec74","_type":"span","marks":[],"text":"💰 Expert-managed, but can be pricey"}],"markDefs":[],"style":"h3"},{"_key":"16d2f465f1dc","_type":"block","children":[{"_key":"bf2e454055a8","_type":"span","marks":[],"text":"These portfolios typically charge all-in fees of 0.5% to 1% a year, which covers the cost of managing your investments. Robo advisers tend to sit at the higher end of that range, but you’re paying for automation, ongoing rebalancing, and a plug-and-play experience. This might be worth it to you if you don’t want the admin, but not ideal if you're laser-focused on keeping your costs low."}],"markDefs":[],"style":"normal"},{"_key":"d2ec726a2de9","_type":"block","children":[{"_key":"c11f59c45cbb","_type":"span","marks":[],"text":"📊 Risk levels to suit your goals and timeframes"}],"markDefs":[],"style":"h3"},{"_key":"b16a7d8b9603","_type":"block","children":[{"_key":"3912219daa3f","_type":"span","marks":[],"text":"You can choose from portfolios labelled things like 'Cautious', 'Balanced', or 'Adventurous, depending on how comfortable you are with market ups and downs. As a rule of thumb:"}],"markDefs":[],"style":"normal"},{"_key":"6d414aead58c","_type":"block","children":[{"_key":"53c305b4680a","_type":"span","marks":[],"text":"If you’re investing for 10+ years, a higher risk option could deliver better returns"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"cb487a0a8c45","_type":"block","children":[{"_key":"7fee418c42af","_type":"span","marks":[],"text":"For 5–10 years, a middle-of-the-road approach makes sense"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"feba62543d07","_type":"block","children":[{"_key":"9d8972cedfac","_type":"span","marks":[],"text":"Under 5 years? You might want to stick with a low risk option, especially if you’re risk-averse"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"categories":[{"_key":"d6e96d9bdb9b","_ref":"a0233bcc-9945-4ded-b8db-d6a11bba1857","_type":"reference"},{"_key":"29167f65493f","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"425e144f8088","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"}],"excerpt":[{"_key":"6ef5ea884485","_type":"block","children":[{"_key":"14c1dcfff523","_type":"span","marks":[],"text":"A ready-made portfolio is a premade bundle of investments – that is, all the hard work of researching and selecting different investments is done for you by a professional."}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":true,"linkMenu":[{"_key":"6ed56f7aacef","_ref":"8aaa7772-567d-4fc6-a743-a4bfba55d844","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":"Ready-made portfolios guide","asset":{"_ref":"image-28c7fe5dd20c72e66d25391e74a9d727ddb480c0-1920x1080-png","_type":"reference"}},"pageBreadcrumb":{"_id":"531cb86f-84fc-4296-b78a-f5198bf0dba5","_type":"breadcrumbCategory","_rev":"pmT7QR797Is6qDo1cSfT98","_createdAt":"2025-07-21T17:03:07Z","_updatedAt":"2025-08-27T10:51:10Z","_system":{"base":{"id":"531cb86f-84fc-4296-b78a-f5198bf0dba5","rev":"qyb5DaNojaFZJGyXBMzTkf"}},"breadcrumbList":[{"_key":"e8df98546ea5","_type":"breadcrumbReference","linkReference":{"_ref":"77a8222e-6c69-4668-941b-910d7abe4cff","_type":"reference"},"title":"Investing Guides"},{"_key":"f8ba356a62c3","_type":"breadcrumbReference","linkReference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"},"title":"Ready-Made Portfolios"}],"breadcrumbName":"Ready-Made Portfolio Guide","id":"-8c989906-f074-5690-9fa7-4bd169be584e","children":[],"parent":null},"publishedAt":"2025-07-24T14:04:05.315Z","slug":{"_type":"slug","current":"ready-made-portfolios"},"subfolder":{"_id":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"folderCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2021-06-22T09:35:09Z","_updatedAt":"2021-06-22T09:35:09Z","folder":"/learn/investing-guides/product-guides/","id":"-57353ca1-a68f-5fa6-85ec-713254904371","children":[],"parent":null},"template":"C-SB","theme":"Boring Money theme","title":"Investing Made Easy: Your Guide to Ready-Made Portfolios","widgets":[{"_key":"7b82b2218730","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"},{"_key":"68d3350d7e69","_ref":"3a6edac9-161a-4f04-9675-c3dbaeffad1b","_type":"reference"},{"_key":"5848cc64a2f1","_ref":"3fefd2ec-9177-427c-9149-529cd1417d24","_type":"reference"}],"id":"-29f9914b-ff4f-5b93-abc6-f5c6df45e00d","children":[],"parent":null}}],"style":"normal"},{"_key":"c052c0badb76","_type":"block","children":[{"_key":"639dc910ee82","_type":"span","marks":["strong"],"text":"Size and longevity"},{"_key":"b26fddcd34d2","_type":"span","marks":[],"text":": BM determines a score for each provider based on the size and longevity of the provider in the market."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"82ea9c57a0b3","_type":"block","children":[{"_key":"dae6339641320","_type":"span","marks":[],"text":"Providers need at least 100 reviews to be awarded a Best Buy in this category."}],"markDefs":[],"style":"normal"},{"_key":"4696cc441326","_type":"block","children":[{"_key":"b2b7d372f64b","_type":"span","marks":[],"text":"Our rating criteria illustrated"}],"markDefs":[],"style":"h3"},{"_key":"1b890033816e","_type":"block","children":[{"_key":"dd9dc63bf077","_type":"span","marks":[],"text":"The image below illustrates how the different criteria are used in different weightings to judge the winners of our Best Buy Awards."}],"markDefs":[],"style":"normal"},{"_key":"a8627c533e08","_type":"frameWidget","href":"https://www.canva.com/design/DAG_DYGm8XE/XMls6ZnXhjzX3OBhAFhSNg/view?embed"},{"_key":"a301cdbd3ff3","_type":"block","children":[{"_key":"7dae57730a26","_type":"span","marks":[],"text":"Additional rating criteria by category"}],"markDefs":[],"style":"h3"},{"_key":"15410b25792b","_type":"block","children":[{"_key":"42f37632c1b50","_type":"span","marks":[],"text":"Our Best Buy awards are judged with relevant criteria that differ based on the wrapper and award. Some of the adjustments and specific factors we've considered for our awards can be found below:"}],"markDefs":[],"style":"normal"},{"_key":"78f9e8a3c88b","_type":"block","children":[{"_key":"e7b76e1f23ba","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"13877b882cd5","_type":"dropdownWidget","items":[{"_key":"a053f51561bf","_type":"dropdownObject","text":[{"_key":"a3b0969c3af6","_type":"block","children":[{"_key":"17cb5ea257390","_type":"span","marks":[],"text":"Detailed cost analysis that covers over 20 scenarios across 7 different portfolio sizes, ranging from £1,000 - £300,000. Scenarios include share trading analysis, funds, and ready-made investment solutions"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"82ea9c57a0b3","_type":"block","children":[{"_key":"dae6339641320","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Best Buy ISA"},{"_key":"84b2ebe4c843","_type":"dropdownObject","text":[{"_key":"4768c0d44b66","_type":"block","children":[{"_key":"ed1ae3becc86","_type":"span","marks":[],"text":"Cost scenarios were based on larger portfolios as average pension pots are larger than ISAs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"991922822dbe","_type":"block","children":[{"_key":"67cf2345ef40","_type":"span","marks":[],"text":"Detailed cost analysis that covers 18 scenarios across 9 different portfolio sizes, ranging from £1,000 - £750,000. Scenarios include platform administration charges and an all-in cost of investing with a ready-made investment option"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"9146ca3c6db0","_type":"block","children":[{"_key":"c3230eda75980","_type":"span","marks":[],"text":"Other factors considered included drawdown capability, the presence of any additional pension charges, consolidation functionality and support, as well as plan/wrapper administration."}],"markDefs":[],"style":"normal"}],"title":"Best Buy Pension"},{"_key":"dc37fdcb98dd","_type":"dropdownObject","text":[{"_key":"bf3ba3353b8d","_type":"block","children":[{"_key":"d94d5a193f92","_type":"span","marks":[],"text":"Detailed cost analysis that covers 14 scenarios across 7 different portfolio sizes, ranging from £1,000 to £300,000. Scenarios include platform administration charges and an all-in cost of investing with a ready-made investment option. Guidance and information for less experienced investors was also considered."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e7fc632958c9","_type":"block","children":[{"_key":"2d25a05f7d94","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4038ada56bd9","_type":"block","children":[{"_key":"d8a84f11833d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Best Buy LISA"},{"_key":"816689185e63","_type":"dropdownObject","text":[{"_key":"e49c97d45e47","_type":"block","children":[{"_key":"6339c57202d40","_type":"span","marks":[],"text":"Detailed cost analysis that covers 12 scenarios across 6 different portfolio sizes, ranging from £1,000 - £100,000. Scenarios include platform administration charges and an all-in cost of investing with a ready-made investment option"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"5543fd773ce8","_type":"block","children":[{"_key":"f6c08abd65f40","_type":"span","marks":[],"text":"We also incorporate a custom JISA score, which is based on factors like:"}],"markDefs":[],"style":"normal"},{"_key":"f97b04d1c750","_type":"block","children":[{"_key":"42bc295fa612","_type":"span","marks":[],"text":"Streamlined account management​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"becf25fb9463","_type":"block","children":[{"_key":"c864219a3dd8","_type":"span","marks":[],"text":"Ease of gifting​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"549282319716","_type":"block","children":[{"_key":"5df79854f741","_type":"span","marks":[],"text":"Non-guardian contributions​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"9eb59403ff12","_type":"block","children":[{"_key":"02d986843c7f","_type":"span","marks":[],"text":"Guidance and information support"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"title":"Best Buy JISA"},{"_key":"fb09b8ccecdf","_type":"dropdownObject","text":[{"_key":"413672a96a65","_type":"block","children":[{"_key":"183a8ea6714d0","_type":"span","marks":[],"text":"Factors considered include subjective Boring Money UX testing, feature analysis, App Store/Google Play reviews, and scores from customer reviews on app experience across 2025."}],"markDefs":[],"style":"normal"}],"title":"Best App"},{"_key":"a12c3aff19ec","_type":"dropdownObject","text":[{"_key":"3b57abee7b9d","_type":"block","children":[{"_key":"ada6deba06f70","_type":"span","marks":[],"text":"Website, app and feature testing with a focus on beginner needs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"20e8ee6e19e5","_type":"block","children":[{"_key":"f0da52cb35970","_type":"span","marks":[],"text":"Detailed cost analysis that covers 10 scenarios across 5 different portfolio sizes, ranging from £1,000 - £50,000. Scenarios include platform administration charges and an all-in cost of investing with a ready-made investment option"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a43bf0318157","_type":"block","children":[{"_key":"009da26a8747","_type":"span","marks":[],"text":"Increased weighting on guidance and UX"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"084c0ef57a4f","_type":"block","children":[{"_key":"4cdc4f6f6c230","_type":"span","marks":[],"text":"Minimum investment sizes and onboarding journeys factored into the process."}],"markDefs":[],"style":"normal"}],"title":"Best For Beginners"},{"_key":"f72407470f8b","_type":"dropdownObject","text":[{"_key":"25e6afcc3b65","_type":"block","children":[{"_key":"b7b245ee1eb30","_type":"span","marks":[],"text":"This award is more subjective and does not formally incorporate customer reviews.​ We looked to recognise those platforms which combine features and charges to offer a compelling platform for share traders. ​"}],"markDefs":[],"style":"normal"},{"_key":"527b046edc44","_type":"block","children":[{"_key":"ebfaeb2c1469","_type":"span","marks":[],"text":"Boring Money researchers reviewed features and functionality with a focus on share trading. ​7 different portfolios were assessed for costs, across different sizes and trading patterns. The costs were modelled on listed securities only. ​"}],"markDefs":[],"style":"normal"},{"_key":"13c5b83b4e69","_type":"block","children":[{"_key":"98722cdfed8e","_type":"span","marks":[],"text":"We also considered:​"}],"markDefs":[],"style":"normal"},{"_key":"b718fb92e7fa","_type":"block","children":[{"_key":"3dee4ce205d00","_type":"span","marks":[],"text":"Dealing fees​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"fd7689a6f4e2","_type":"block","children":[{"_key":"c16e97c792a70","_type":"span","marks":[],"text":"Choice and range of listed securities available ​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8375d4489f66","_type":"block","children":[{"_key":"4bb4b160fa6c0","_type":"span","marks":[],"text":"Access to international markets​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"df470ed833f6","_type":"block","children":[{"_key":"fcd75735eff40","_type":"span","marks":[],"text":"Analysis tools available on specific shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f9ecbf7b3dd4","_type":"block","children":[{"_key":"fcd75735eff40","_type":"span","marks":[],"text":"Share-based content"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"44123be5fbcf","_type":"block","children":[{"_key":"fcd75735eff40","_type":"span","marks":[],"text":"Clarity and distinction between shares and CFDs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"title":"Best for Share Traders"},{"_key":"736dccaafd3d","_type":"dropdownObject","text":[{"_key":"2bfa66761c8e","_type":"block","children":[{"_key":"595ac902d33b0","_type":"span","marks":[],"text":"This award is assessed with several factors which include input and scores from thousands of customers, as well as in-house research by Boring Money, including:"}],"markDefs":[],"style":"normal"},{"_key":"b0d6f7424865","_type":"block","children":[{"_key":"b689d825672a0","_type":"span","marks":[],"text":"Scores from 20,000 users about their last interaction with their platform ​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"17ad694df5a2","_type":"block","children":[{"_key":"0dd89441f5be0","_type":"span","marks":[],"text":"9 calls to each provider at different times and on different days ​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c40a9a6c4caf","_type":"block","children":[{"_key":"b054cf7c2f7b0","_type":"span","marks":[],"text":"Call centre answer & opening times​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"fad552dd198d","_type":"block","children":[{"_key":"51887e3201780","_type":"span","marks":[],"text":"Customer ratings on service"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"67b566f661cb","_type":"block","children":[{"_key":"0833cca10be90","_type":"span","marks":[],"text":"Customer recommendation scores​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b9f50ba36973","_type":"block","children":[{"_key":"3a4b9e3511ef0","_type":"span","marks":[],"text":"Feature analysis including webchat, FAQ sections & secure messaging functionality"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"title":"Best For Customer Service"},{"_key":"c1c828a3bb2c37d464cd5507b2e15739","_type":"dropdownObject","text":[{"_key":"11192bde06cf","_type":"block","children":[{"_key":"2143ff29d9fc0","_type":"span","marks":[],"text":"Price, range, investment-specific research, shortlists, proxy voting capabilities, filtering tools, and front/back-end detail were all considered, amongst other factors."}],"markDefs":[],"style":"normal"}],"title":"Best For Investment Trusts"},{"_key":"9503225f23c1cb914f80535fc78b21ae","_type":"dropdownObject","text":[{"_key":"17f721a2d5db","_type":"block","children":[{"_key":"ab32a8c8b3720","_type":"span","marks":[],"text":"Feature testing, investment analysis and tools functionality, quality and range of content, breadth and detail of market updates, innovative features, and back-end research capabilities were all considered, amongst other factors."}],"markDefs":[],"style":"normal"}],"title":"Best For Investment Research"},{"_key":"1d8d8dc97991","_type":"dropdownObject","text":[{"_key":"cc680e4029a7","_type":"block","children":[{"_key":"ae0f8ccb0a150","_type":"span","marks":[],"text":"This award is purely focused on cost and does not factor in customer reviews or feedback, nor Boring Money feature testing.​"}],"markDefs":[],"style":"normal"},{"_key":"f7afc1eaeeba","_type":"block","children":[{"_key":"64e558e2cac80","_type":"span","marks":[],"text":"Different portfolios were assessed across a variety of sizes, taking into account both platform charges and the total cost of investing in a ready-made solution."}],"markDefs":[],"style":"normal"},{"_key":"dbc0eddb7ef7","_type":"block","children":[{"_key":"b96c037978130","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Best For Low-Cost ISA "},{"_key":"cef64aaa9bb4","_type":"dropdownObject","text":[{"_key":"c8d1e2fc7411","_type":"block","children":[{"_key":"f362cf0e822a0","_type":"span","marks":[],"text":"This award is purely focused on cost and does not factor in customer reviews or feedback, nor Boring Money feature testing."}],"markDefs":[],"style":"normal"},{"_key":"2dd938fa5d9e","_type":"block","children":[{"_key":"1e763e9e10590","_type":"span","marks":[],"text":"Different portfolios were assessed across a variety of sizes, taking into account platform charges on portfolios invested in funds and shares."}],"markDefs":[],"style":"normal"},{"_key":"6c14948bd791","_type":"block","children":[{"_key":"a00659af663c0","_type":"span","marks":[],"text":"Providers included must offer a decent range of mutual funds and direct access to shares."}],"markDefs":[],"style":"normal"}],"title":"Best For Low-Cost ISA - Funds and Shares"},{"_key":"d8b78a940ebd","_type":"dropdownObject","text":[{"_key":"ecf05a3b3c0b","_type":"block","children":[{"_key":"118e17d232810","_type":"span","marks":[],"text":"This award is purely focused on cost and does not factor in customer reviews or feedback, nor Boring Money feature testing.​"}],"markDefs":[],"style":"normal"},{"_key":"d781ba83f5b1","_type":"block","children":[{"_key":"b2e0b3522dcd","_type":"span","marks":[],"text":"Portfolios were assessed across a variety of sizes under the £50k threshold, taking into account both platform charges and the total cost of investing in a ready-made solution."}],"markDefs":[],"style":"normal"},{"_key":"9d274133c64b","_type":"block","children":[{"_key":"65dbe6931d12","_type":"span","marks":[],"text":"Scores are weighted to reflect the primary offering of the platform, with greater emphasis placed on administration charges or ready-made solutions, depending on the platform."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"}],"title":"Best For Low-Cost Pension <£50k"},{"_key":"86564a6ba88c","_type":"dropdownObject","text":[{"_key":"07fc0a0f4d19","_type":"block","children":[{"_key":"d92687d380e40","_type":"span","marks":[],"text":"This award is purely focused on cost and does not factor in customer reviews or feedback, nor Boring Money feature testing.​"}],"markDefs":[],"style":"normal"},{"_key":"2a10c4912c11","_type":"block","children":[{"_key":"05555ed5aae8","_type":"span","marks":[],"text":"Different portfolios were assessed across a variety of sizes, taking into account both platform charges and the total cost of investing in a ready-made solution. We modelled costs for:​"}],"markDefs":[],"style":"normal"},{"_key":"2531eb08b7e6","_type":"block","children":[{"_key":"aca763aef94d0","_type":"span","marks":[],"text":"£50,000​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f360591ddc18","_type":"block","children":[{"_key":"1caefb5390a80","_type":"span","marks":[],"text":"£100,000​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c240d369545d","_type":"block","children":[{"_key":"225404d3015d0","_type":"span","marks":[],"text":"£250,000​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"bd5f4ba22a94","_type":"block","children":[{"_key":"88f9120c6b800","_type":"span","marks":[],"text":"£500,000​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"5024ac5d0532","_type":"block","children":[{"_key":"1a381dd072bf0","_type":"span","marks":[],"text":"£750,000​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ce82867fd171","_type":"block","children":[{"_key":"3d56a2835aae0","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"}],"title":"Best For Low-Cost Pension >£50k"},{"_key":"3de7a1bc89ba","_type":"dropdownObject","text":[{"_key":"530ec3758d0e","_type":"block","children":[{"_key":"ae73e83c2cf7","_type":"span","marks":[],"text":"We selected the best options for low-cost advice and planning, focused on people with between £50k and £150k of investable assets. "}],"markDefs":[],"style":"normal"},{"_key":"1511e5cd86d5","_type":"block","children":[{"_key":"ae73e83c2cf7","_type":"span","marks":[],"text":"We considered charges, fee structure, the level of support received by customers, the range of issues that support and advice could be provided on, the quality of help offered to customers, the usefulness of recommendations, whether or not the wider financial situation was factored into the process, eligibility to use the service, and overall ease of process."}],"markDefs":[],"style":"normal"}],"title":"Best for Low-Cost Advice "},{"_key":"ee4670c97d24","_type":"dropdownObject","text":[{"_key":"b9fb8d0cc940","_type":"block","children":[{"_key":"8e9417080302","_type":"span","marks":[],"text":"Considerations include costs across a range of scenarios, fee structure, range of options, quality of content, investment specific analysis, user experience, and an assessment of the purchasing journey, amongst other factors."}],"markDefs":[],"style":"normal"}],"title":"Best for ETFs"},{"_key":"0cb61b450645","_type":"dropdownObject","text":[{"_key":"7ffdadcdb77b","_type":"block","children":[{"_key":"0ad5b8f964be","_type":"span","marks":[],"text":"To calculate this award, Boring Money have assessed the following factors:"}],"markDefs":[],"style":"normal"},{"_key":"dd399af96b53","_type":"block","children":[{"_key":"6902687d86aa","_type":"span","marks":[],"text":"5-year performance to the end of 2025"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"95ac76df940d","_type":"block","children":[{"_key":"602389dbdd63","_type":"span","marks":[],"text":"Boring Money assessed 3 portfolios per provider, choosing a low risk, medium risk, and high risk option, based on equity allocation, from a range of portfolios offered by the provider"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d458916a3c41","_type":"block","children":[{"_key":"9fbd34e3fca5","_type":"span","marks":[],"text":"High and medium risk solutions had a greater contribution to the performance score than the low risk solution"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"title":"Best for Ready-Made Solutions"},{"_key":"e44b7bda4186","_type":"dropdownObject","text":[{"_key":"12123bf5cc58","_type":"block","children":[{"_key":"ecdfd3790fbf0","_type":"span","marks":[],"text":"The"},{"_key":"ecdfd3790fbf1","_type":"span","marks":["strong"],"text":" "},{"_key":"371451c5dbcf","_type":"span","marks":[],"text":"Value For Money category relies entirely on the customer perspective, acknowledging the complex and subjective nature of value. This award is voted by platform users and is not scored or judged by Boring Money. Throughout 2024, we collected a rating from 11,266 platform customers who were asked to score the platform they used for Value For Money out of 10."}],"markDefs":[],"style":"normal"}],"title":"Value For Money Award"},{"_key":"8b2f406e15b0","_type":"dropdownObject","text":[{"_key":"b0ab7ac6db59","_type":"block","children":[{"_key":"4bfe0d3cfc42","_type":"span","marks":[],"text":"Boring Money evaluates workplace pension providers using a balanced four-pillar rating system: Customer Reviews (we examine feedback from Google, Trustpilot, and our own platform to gauge real user satisfaction), Service Quality (we test apps, customer support, and complaint handling firsthand), Performance (we analyse 1, 3 and 5-year investment returns compared to market quartiles), and Fees & Charges (we calculate total costs including hidden fees against market benchmarks). We also look at longevity and corporate backing to ensure we are working with solid, established businesses. "}],"markDefs":[],"style":"normal"},{"_key":"d490bcc50adc","_type":"block","children":[{"_key":"2da61fab9622","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ba84326e904a","_type":"block","children":[{"_key":"650005cdca81","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Boring Money Rated - Workplace Pensions"}]},{"_key":"248f2e36b548","_type":"block","children":[{"_key":"775c90d47d5e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8dc5bee1e6d3","_type":"block","children":[{"_key":"34039b6df24e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c78fda587d88","_type":"block","children":[{"_key":"09f3d16f94a2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"06ec478a088f","_type":"block","children":[{"_key":"27466e06e06d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"categories":[{"_id":"bb11e79a-953f-4735-9106-15c3396ed2c5","_type":"category","_rev":"qz8rJkzXhJkYJWCkOhkJKz","_createdAt":"2025-01-27T15:58:04Z","_updatedAt":"2025-01-27T15:58:22Z","description":"Boring Money Best Buy Awards","title":"Boring Money Best Buy Awards","id":"-d49ba336-e4dd-525d-8eaf-89c333c2ad26","children":[],"parent":null}],"excerpt":[{"_key":"56a779e316ae","_type":"block","children":[{"_key":"8a578e2cb2190","_type":"span","marks":[],"text":"Discover how Boring Money's Best Buy Awards help investors choose the best UK investment providers. Based on extensive research, including 40+ live accounts, customer reviews, and cost analysis across ISAs, pensions, LISAs, and JISAs."}],"markDefs":[],"style":"normal"}],"hideRelatedContent":true,"noIndex":false,"pageBreadcrumb":{"_id":"3f22777a-cbb1-41b5-a915-620b30175c6b","_type":"breadcrumbCategory","_rev":"bBpgoFGEY7H8EheLRXByd8","_createdAt":"2025-02-20T16:10:29Z","_updatedAt":"2025-02-20T16:11:42Z","breadcrumbList":[{"_key":"1d54b24684f8","_type":"breadcrumbReference","linkReference":{"_id":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"landingPage","_rev":"HaE9Y1GS3p0U3ZL8s9Db87","_createdAt":"2021-11-25T16:01:50Z","_updatedAt":"2026-04-16T08:00:34Z","MainImage":{"_type":"mainImage","asset":{"_ref":"image-ea564799e901c1cb8ff6b7a821741dc4060e2067-1920x1080-png","_type":"reference"},"blankAltTag":true},"_system":{"base":{"id":"7324b8af-c1eb-46a0-b36a-caa8783606e0","rev":"8LO5O2Z8C4HuWQBIqBln0u"}},"brazeCustomAttributes":[{"_key":"7fef522b26b4","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_COMPARE_TABLE","customAttributeValue":"https://www.boringmoney.co.uk/isas-pensions/isas-pensions/"}],"content":[{"_key":"b2abd2205459","_type":"headerBlock","alignment":"Center","desktopImage":{"_type":"mainImage","asset":{"_ref":"image-bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300-png","_type":"reference"}},"mobileImage":{"_type":"mainImage","alt":"Banner showcasing investment platforms ","asset":{"_ref":"image-ec8911cbc4caaffabe66715bbe460c232a1e923c-600x250-png","_type":"reference"}},"reference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"tabletImage":{"_type":"mainImage","alt":"Image showcasing investment platforms ","asset":{"_ref":"image-0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340-png","_type":"reference"}},"title":"Header"},{"_key":"dac26373610f","_type":"bestBuysTable","calculatorAssumptionsModel":{"_ref":"236f7460-2fe3-4f71-9c6f-061dc9806763","_type":"reference"},"comparisonPageReference":{"_ref":"e1ab80c6-4663-4735-b266-ff5981691a75","_type":"reference"},"costInBBTable":true,"defaultLayout":"3x3 - Would recommend","defaultSortOption":"OurRatingHL","enableComparison":false,"showAdvancedFilters":true,"sortOptions":["MostRecommended","OurRatingHL","OurRatingLH","CostHL","CostLH","MostPopular"],"title":"ISA"},{"_key":"33748b8f4b0d","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"052beedb53fd","_type":"block","children":[{"_key":"8ab895a997db","_type":"span","marks":[],"text":"Frequently Asked Questions About Stocks & Shares ISAs"}],"markDefs":[],"style":"h2"}],"styles":"White"},{"_key":"f1a7320d0d82","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"1381dbf0053f","_type":"block","children":[{"_key":"06742598bb83","_type":"span","marks":[],"text":"What is a Stocks & Shares ISA?"}],"markDefs":[],"style":"h3"},{"_key":"43c826820d13","_type":"block","children":[{"_key":"222919bc3bc5","_type":"span","marks":[],"text":"A Stocks & Shares ISA is an account that lets you invest in the stock market without paying tax on any profits. Every UK adult can put up to £20,000 into one each tax year, and any gains or income are tax-free."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Stocks & Shares ISA?"},{"_key":"b637b4843983516a48f9db0a974d4a56","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"5278a4cb307d","_type":"block","children":[{"_key":"4008cc33f440","_type":"span","marks":[],"text":"How is a Stocks & Shares ISA different from a Cash ISA? "}],"markDefs":[],"style":"h3"},{"_key":"c0c883d9cc8e","_type":"block","children":[{"_key":"28e8acdfcacf","_type":"span","marks":[],"text":"A "},{"_key":"a5888eb532ae","_type":"span","marks":["298daf3775d7"],"text":"Cash ISA"},{"_key":"bd37ecbecd75","_type":"span","marks":[],"text":" keeps your money in cash. A "},{"_key":"d2da7be7f3ec","_type":"span","marks":["bbf4adfe2e3e"],"text":"Stocks & Shares ISA"},{"_key":"6ad43428d8e9","_type":"span","marks":[],"text":" invests your money in the stock market, which means higher potential returns but also the possibility of losing money. "}],"markDefs":[{"_key":"298daf3775d7","_type":"internalLinkPick","blank":true,"reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"}},{"_key":"bbf4adfe2e3e","_type":"internalLinkPick","blank":true,"reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How is a Stocks & Shares ISA different from a Cash ISA?"},{"_key":"096d2b879670a03519945e5f2ce697b1","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"f7f88452a993","_type":"block","children":[{"_key":"4131fe7474b1","_type":"span","marks":[],"text":"Can I take my money out whenever I want?"}],"markDefs":[],"style":"h3"},{"_key":"0ca874e0f967","_type":"block","children":[{"_key":"1c527eff7158","_type":"span","marks":[],"text":"Yes — there's no lock-in. However, if you withdraw and pay money back in within the same tax year, this can affect your annual £20,000 allowance unless your ISA is a \"flexible\" one. Always check with your provider."}],"markDefs":[],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Can I take my money out whenever I want?"},{"_key":"bf3655d9727d899472e62678637bd6f4","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"cef5c86d40ff","_type":"block","children":[{"_key":"c14f68d4bed9","_type":"span","marks":[],"text":"How much can I invest in a Stocks & Shares ISA?"}],"markDefs":[],"style":"h3"},{"_key":"678b6ee012d6","_type":"block","children":[{"_key":"76ce9a45b6f5","_type":"span","marks":[],"text":"Up to £20,000 per tax year across all your ISAs combined. You get a fresh allowance every year on 6 April, and any unused allowance can't be carried forward."}],"markDefs":[],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How much can I invest in a Stocks & Shares ISA?"},{"_key":"a33bf4a9213091e53da2eb9c0db88791","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"b11c7519890f","_type":"block","children":[{"_key":"72361625cf68","_type":"span","marks":[],"text":"Is a Stocks & Shares ISA right for me? "}],"markDefs":[],"style":"h3"},{"_key":"b6f15af580ba","_type":"block","children":[{"_key":"e9a8b448b1e2","_type":"span","marks":[],"text":"It depends on your timeframe and risk tolerance. It tends to suit people who are investing for five years or more, want to grow their money beyond what cash can offer, and are comfortable with the idea that markets can go up and down. It's probably not right for you if you need the money within the next year or two, have high-interest debt to pay off first, or would struggle to stomach seeing your portfolio fall in value."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Is a Stocks & Shares ISA right for me? "},{"_key":"1ea77cdca1811ccd8c2079afb04466ba","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"ffff514e2774","_type":"block","children":[{"_key":"45f7162265dc","_type":"span","marks":[],"text":"How risky is a Stocks & Shares ISA? "}],"markDefs":[],"style":"h3"},{"_key":"3485bfd8d250","_type":"block","children":[{"_key":"c193f6c36af8","_type":"span","marks":[],"text":"It depends on what you choose to invest in. The key is "},{"_key":"7b08da4c08f7","_type":"span","marks":["e6991894fbf4"],"text":"diversification"},{"_key":"da7130bd59c4","_type":"span","marks":[],"text":" — spreading your money across different companies, sectors, and geographies so that one bad investment doesn't wipe out your savings. Funds and ETFs do this automatically, which is why they're popular with beginners."}],"markDefs":[{"_key":"e6991894fbf4","_type":"internalLinkPick","blank":true,"reference":{"_ref":"6e0fb5a5-2a36-4806-8108-6d06543c931a","_type":"reference"}}],"style":"normal"}],"styles":"White","title":"How risky is a Stocks & Shares ISA?"},{"_key":"04eabe135a4e59b6b6859fe8a0b57acf","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"5cc35680fa81","_type":"block","children":[{"_key":"a8904d78d2e4","_type":"span","marks":[],"text":"What are the tax benefits of a Stocks & Shares ISA? "}],"markDefs":[],"style":"h3"},{"_key":"326013566409","_type":"block","children":[{"_key":"8e62f7d17cf2","_type":"span","marks":[],"text":"There are three main ones: no "},{"_key":"88ffa4843d17","_type":"span","marks":["a154b3f0fa4d"],"text":"capital gains tax"},{"_key":"f73020a2474c","_type":"span","marks":[],"text":" on profits when you sell investments, no tax on interest from "},{"_key":"82539b3d2b76","_type":"span","marks":["4c3294f2f5e8"],"text":"bonds"},{"_key":"fef814c7f569","_type":"span","marks":[],"text":" held within the ISA, and no tax on "},{"_key":"89bfc49900fe","_type":"span","marks":["a6fc01d9ec0c"],"text":"dividends"},{"_key":"3ca60e193841","_type":"span","marks":[],"text":". Outside an ISA, all three of these could cost you money depending on your tax bracket."}],"markDefs":[{"_key":"a154b3f0fa4d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}},{"_key":"4c3294f2f5e8","_type":"glossaryPick","reference":{"_ref":"ea467285-7d48-4093-b16e-76d3f8a95fc1","_type":"reference"}},{"_key":"a6fc01d9ec0c","_type":"glossaryPick","reference":{"_ref":"43ececc2-2ff3-43e8-932b-b412f2145213","_type":"reference"}}],"style":"normal"}],"styles":"White","title":"What are the tax benefits of a Stocks & Shares ISA?"},{"_key":"c4bcfddb893f","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"Space"},{"_key":"d050e0845814","_type":"bigBlockGroup","bigBlockItems":[{"_key":"886b99ffa3d0","_type":"bigBlockItem","introPara":[{"_key":"63bbc5c58db3","_type":"block","children":[{"_key":"14cd335502780","_type":"span","marks":[],"text":"A 'robo' adviser offers up ready-made portfolios and so costs include both admin and investment charges. A platform is for those who prefer to pick their own investments – the costs may look cheaper here as we only include the admin charges – the investment fees will typically add another £25 - £75 per £10,000 managed, depending on what you pick."}],"markDefs":[],"style":"small"}],"title":"Platform types"},{"_key":"70490647fe00","_type":"bigBlockItem","introPara":[{"_key":"55c85fda04f0","_type":"block","children":[{"_key":"9daf97d49fa10","_type":"span","marks":[],"text":"We try really hard to keep our consumer reviews genuine and representative. As a final step, an administrator checks every review before publishing. If you have any questions please contact us "},{"_key":"abd51e149ec5","_type":"span","marks":["2b07db6357c6"],"text":"here"},{"_key":"6f6f7ee92681","_type":"span","marks":[],"text":" or send a letter to Boring Money Ltd, 10 Lower Thames Street, London, EC3R 6AF"}],"markDefs":[{"_key":"2b07db6357c6","_type":"internalLinkPick","reference":{"_ref":"b35cac1c-228a-4987-aeca-bb774b8e0e3c","_type":"reference"}}],"style":"small"}],"title":"Grubby behaviour"},{"_key":"d8afdbab6022","_type":"bigBlockItem","introPara":[{"_key":"260d9bdb952b","_type":"block","children":[{"_key":"5af8f96878d70","_type":"span","marks":[],"text":"Most of our revenue comes from providing research and consultancy services the industry. As the costs of building our website grow, we have also started to activate “introducer revenues” for some of the provider sites you click through to. Look out for the colour orange on the site. This is us being as clear as we can be when anything on our pages has a commercial benefit to us, or is a sponsored arrangement. More info is available "},{"_key":"b94a70e460a9","_type":"span","marks":["b9ccd82193ec"],"text":"here"},{"_key":"9787a494e25b","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b9ccd82193ec","_type":"internalLinkPick","reference":{"_ref":"cc735c68-c1b8-4987-acff-3931653c3639","_type":"reference"}}],"style":"small"}],"title":"How we make money"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":6,"styles":"Grey-Transparent","title":"DISCLAIMER","titleLineClamp":1},{"_key":"7282413d1dc3","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"eb112cbb7dd3","_type":"block","children":[{"_key":"23429c086248","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dc8f88141013","_type":"block","children":[{"_key":"fcef23cc4d95","_type":"span","marks":["em"],"text":"By default our tables sort on the basis of (1) “Most Popular” providers based on customer choice (2) Descending order of the Boring Money customer recommendation score. Pricing may vary depending on money invested, transaction value and trading frequency. We have selected the pricing tiers we believe to be relevant to the largest number of investors."}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent","title":"Disclaimer"},{"_key":"e15290ad8f2bf035fdf4bd2f541cbae7","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"Space"}],"emailSignupWidgetButtonText":"UNLOCK","emailSignupWidgetParagraphText":"Sign up to Boring Money for expert comparisons, real customer reviews, fees, offers, and more - everything you need to make smart money choices. Answer five quick questions to get going today!","emailSignupWidgetTitle":"UNLOCK OUR ISA COMPARISON TABLE","enableGatedContent":true,"excerpt":[{"_key":"2eedafb8ba7a","_type":"block","children":[{"_key":"2e7aaa7300fe","_type":"span","marks":[],"text":"Compare the best ISAs and investment accounts in the UK. Find stocks and shares ISAs, and investment platforms with our expert reviews and tables."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue background  - Text center - Faded","gatedContentBody":[{"_key":"13f96dc0dd81","_type":"headerBlock","alignment":"Center","desktopImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300-png","_type":"reference"},"blankAltTag":true},"mobileImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340-png","_type":"reference"}},"reference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"tabletImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-fc75bc5ee8524fb479bf1ed4c0b781c06f635bad-1280x300-png","_type":"reference"}}},{"_key":"198396c38d61","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"abc2bb14fa42","_type":"block","children":[{"_key":"6f9e4e7b6b55","_type":"span","marks":[],"text":"Compare the best Stocks & Shares ISAs in one place - fast"}],"markDefs":[],"style":"h1"},{"_key":"d97a0686f19b","_type":"block","children":[{"_key":"f8542d4b62d2","_type":"span","marks":[],"text":"Looking for the best ISA? Don’t waste hours jumping between websites. Our free ISA comparison table lets you compare expert reviews, customer ratings, fees, and top offers - side by side, all in one place."}],"markDefs":[],"style":"normal"},{"_key":"8de1198c5598","_type":"block","children":[{"_key":"0182871de8de","_type":"span","marks":[],"text":"Unlock full access below to find your perfect ISA and what you’d pay."}],"markDefs":[],"style":"h4"}],"styles":"Grey-Transparent","title":"Compare the best ISAs in one place - fast"},{"_key":"647813d6f7ebc93c3431c9758ac6d927","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"39ff26fc401c","_type":"bestBuysTable","calculatorAssumptionsModel":{"_ref":"236f7460-2fe3-4f71-9c6f-061dc9806763","_type":"reference"},"defaultLayout":"3x3 - Would recommend","defaultSortOption":"OurRatingHL","loggedOutRowLimit":1,"loggedOutRowLimitMobile":6,"sortOptions":["OurRatingHL"],"title":"ISA"}],"gatedContentReadMoreText":[{"_key":"1097b5b5b507","_type":"block","children":[{"_key":"069b689d8928","_type":"span","marks":[],"text":"Use our filters to shortlist providers that are better suited for you. "}],"markDefs":[],"style":"normal"}],"publishedAt":"2025-04-28T11:57:15.443Z","slug":{"_type":"slug","current":"isas-pensions"},"subfolder":{"_id":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"folderCategory","_rev":"cQD0A3OGksV3pY6pYH47mV","_createdAt":"2021-06-14T19:24:49Z","_updatedAt":"2023-02-15T16:24:35Z","folder":"/isas-pensions/","id":"-f5695f01-adc9-59c8-91c1-c9304ad10ae9","children":[],"parent":null},"title":"Best Stocks & Shares ISA 2026 - Compare Top Providers","id":"-d9788508-2c90-56c4-be24-45e28edb1c22","children":[],"parent":null},"title":"Compare Providers"},{"_key":"adcd8df9b6e7","_type":"breadcrumbReference","linkReference":{"_id":"f6da89af-f94e-4900-a721-74a59bfe90d3","_type":"landingPage","_rev":"ZvcBn74KyFWSpPUCs2qYPb","_createdAt":"2025-01-24T16:03:41Z","_updatedAt":"2025-02-28T09:54:25Z","brazeCustomAttributes":[{"_key":"52b78f20447e","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_BBawards2025","customAttributeValue":"https://www.boringmoney.co.uk/boring-money-awards-2025/"}],"content":[{"_key":"532aacaed780","_type":"breadcrumb","breadcrumbs":[{"_key":"41a90d918aec","_type":"breadcrumbReference","linkReference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"title":"Home"},{"_key":"170ee09e6b05","_type":"breadcrumbReference","linkReference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"title":"Compare Providers"},{"_key":"6cd5e5045a04","_type":"breadcrumbReference","linkReference":{"_ref":"f6da89af-f94e-4900-a721-74a59bfe90d3","_type":"reference"},"title":"Boring Money Awards 2025"}]},{"_key":"5beb6f269b7d","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"4a0d8b812da0","_type":"block","children":[{"_key":"a544d22387d80","_type":"span","marks":[],"text":"The Boring Money Best Buy Awards 2025"}],"markDefs":[],"style":"h1"},{"_key":"48b827501d7e","_type":"block","children":[{"_key":"65065d8f15190","_type":"span","marks":[],"text":"We've been the independent voice cutting through the noise in UK investing for eight years. Through rigorous testing of live accounts, real conversations with providers, and insights from over 22,000 real investors, we spotlight the platforms that truly deliver. Our seal of approval carries weight across London's tubes, financial headlines, and boardrooms – because "},{"_key":"083b1416f7cd","_type":"span","marks":["strong"],"text":"when it comes to your money, excellence should never be boring."}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"c13b7811af46","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"8ab7ef1730e8","_type":"block","children":[{"_key":"3027d1933156","_type":"span","marks":[],"text":""},{"_key":"83739b39ca72","_type":"mainAnchor","pageAnchor":{"_ref":"1b2aeaad-c98a-4863-acf8-769f3c9f93ed","_type":"reference"}},{"_key":"6b520f2240ff","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Anchor"},{"_key":"b820f333f7e6","_type":"bigBlockGroup","bigBlockItems":[{"_key":"f49c58243729","_type":"bigBlockItem","introPara":[{"_key":"01edf0252c4f","_type":"block","children":[{"_key":"bb911fd59dce","_type":"span","marks":[],"text":"The very best Stocks & Shares ISAs in the UK today for mainstream savers and investors."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best Buy ISA 2024","asset":{"_ref":"image-d3f9efb1ce23be27e62043346c09f68519c5a2c3-1920x1080-png","_type":"reference"}},"reference":{"_ref":"2ad629d9-20cb-4c7a-baa9-ff52494a3b0d","_type":"reference"},"title":"Best Buy ISA 2025"},{"_key":"12010eb95663","_type":"bigBlockItem","introPara":[{"_key":"f28628da7ae1","_type":"block","children":[{"_key":"b00e65f9cabb","_type":"span","marks":[],"text":"The best Pensions in the UK today for mainstream savers and investors."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best Buy Pension 2025","asset":{"_ref":"image-a594580903198a7b933c88ce17d54f45f2be88b0-800x450-jpg","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"41b7c255-2a4e-415c-bc4e-74bc27a97f1e","_type":"reference"},"title":"Best Buy Pension 2025"},{"_key":"0b88872a8827","_type":"bigBlockItem","introPara":[{"_key":"5eace0649759","_type":"block","children":[{"_key":"4083f7d8fdcd","_type":"span","marks":[],"text":"The best Stocks & Shares Lifetime ISAs in the UK today for those saving for retirement or their first property."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best Buy LISA 2024","asset":{"_ref":"image-3f119bfe34b9266ce0f08b6a9d87a6a8a06229bc-1920x1080-png","_type":"reference"}},"reference":{"_ref":"7751737d-084c-4a55-9046-e35ea8792d3c","_type":"reference"},"title":"Best Buy LISA 2025"},{"_key":"e11d1bd055a5","_type":"bigBlockItem","introPara":[{"_key":"a1567ba3ef32","_type":"block","children":[{"_key":"edcc76d1d9b6","_type":"span","marks":[],"text":"The best Stocks & Shares Junior ISAs in the UK today for non-expert people saving for kids. "}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-b682ae6df8cc2ce2922761f9800e9ab43bea3a5a-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"e2f37bff-0046-4a63-b28a-4100f5ce38b9","_type":"reference"},"title":"Best Buy JISA 2025"}],"equaliseHeight":true,"layout":"4x4","paragraphLineClamp":4,"styles":"White","title":"Best buys","titleLineClamp":2},{"_key":"17b9996983dccf5ea8346bf7804b0c2d","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"98c9596df8f7","_type":"block","children":[{"_key":"27e5acb06881","_type":"span","marks":[],"text":"Boring Money Low-Cost Category Awards"}],"markDefs":[],"style":"h1"},{"_key":"1c11cd2ec8bd","_type":"block","children":[{"_key":"38b8ac7ea50a0","_type":"span","marks":[],"text":"Cost-effectiveness awards are granted based on platform charges and total investment costs across various portfolio sizes. Providers must offer mutual funds and direct share access, with evaluations focused purely on costs rather than customer feedback or feature testing."}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"1874c54df81a0af315ac78f03fc300f3","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2055d8357d7e","_type":"bigBlockItem","introPara":[{"_key":"4c9791eed227","_type":"block","children":[{"_key":"63f17c589ddc","_type":"span","marks":[],"text":"A pure cost comparison of platform fees and ready-made portfolios, without factoring in other criteria."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-3ec728a084ed05f531587d0ddfe434cc3fc967a1-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"d78ba9bd-1d45-4647-ba68-90c64d5ebb6d","_type":"reference"},"title":"Best For Low-Cost ISA "},{"_key":"55a78cea0d48","_type":"bigBlockItem","introPara":[{"_key":"9476800d2c84","_type":"block","children":[{"_key":"7e01dc0e351b","_type":"span","marks":[],"text":"The lowest cost ISA providers in the UK for investors looking to"},{"_key":"1048b0313265","_type":"span","marks":["strong"],"text":" invest in funds and shares"},{"_key":"c08d60f5ff88","_type":"span","marks":[],"text":"."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best for Low-Cost ISA Funds and Shares","asset":{"_ref":"image-7673113d7266b1337414f9763dc5dd437efe2fc0-1920x1080-png","_type":"reference"}},"reference":{"_ref":"49d5fee0-7d2a-4e49-8c59-9a828e411268","_type":"reference"},"title":"Best For Low-Cost ISA Funds and Shares"},{"_key":"379cdf2b24ce","_type":"bigBlockItem","introPara":[{"_key":"a88d7df1e68a","_type":"block","children":[{"_key":"f47e45f5aa36","_type":"span","marks":[],"text":""},{"_key":"dbc6f43afe87","_type":"mainAnchor","pageAnchor":{"_ref":"ba89e21a-2775-4127-84b4-80cc318ef4d8","_type":"reference"}},{"_key":"9a87a3c991b8","_type":"span","marks":[],"text":"The lowest cost Pensions in the UK for investors with "},{"_key":"fdfd3d44bdfc","_type":"span","marks":["strong"],"text":"less than"},{"_key":"8077226211b9","_type":"span","marks":[],"text":" £50,000 in their account."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best for Low-Cost Pension <£50k 2025","asset":{"_ref":"image-2f86c2ca58141a980102a105fb337acedbf766f5-6000x3375-png","_type":"reference"}},"reference":{"_ref":"6b117d65-8d5f-4b41-ab76-72ad931731a5","_type":"reference"},"title":"Best For Low-Cost Pension <£50k 2025"},{"_key":"aa324bac8ec4","_type":"bigBlockItem","introPara":[{"_key":"b635358c7e07","_type":"block","children":[{"_key":"c61ee9c32387","_type":"span","marks":[],"text":"The lowest cost Pensions in the UK for investors with "},{"_key":"de6d5b104def","_type":"span","marks":["strong"],"text":"more than"},{"_key":"6e0a6b78de44","_type":"span","marks":[],"text":" £50,000 in their account."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-6def64e9af7bc2e3694d47fa4cbecbcd8b003f22-6000x3375-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"4c448256-d916-44ed-991f-5a9d5c44c109","_type":"reference"},"title":"Best For Low-Cost Pension >£50k 2025"}],"equaliseHeight":true,"layout":"4x4","paragraphLineClamp":4,"styles":"White","title":"Best buys","titleLineClamp":2},{"_key":"45a87a28b7c090b0b0adc0ff59a6a9f0","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"98c9596df8f7","_type":"block","children":[{"_key":"27e5acb06881","_type":"span","marks":[],"text":"Boring Money Category Awards "}],"markDefs":[],"style":"h1"},{"_key":"96c7b52e6b10","_type":"block","children":[{"_key":"3ce48005ba320","_type":"span","marks":[],"text":"Six specialised awards recognise excellence across key investment categories: mobile app functionality, beginner-friendly platforms, share trading capabilities, customer service quality, research tools, and investment trust offerings. Each award focuses on specific criteria such as ease of use, customer support, platform features, and overall user experience in the UK investment market."}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"babe91a75f02a6d02751d990b11aa446","_type":"bigBlockGroup","bigBlockItems":[{"_key":"8ebdfdf87ca4","_type":"bigBlockItem","introPara":[{"_key":"8d02f63d9491","_type":"block","children":[{"_key":"7c201c0969d6","_type":"span","marks":[],"text":"The best easy-to-use, informative as well as functional investment apps in the UK today."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best Investment App 2024","asset":{"_ref":"image-ff5a3a698bc047a941b5d83e77539c426b05ac88-6000x3375-png","_type":"reference"}},"reference":{"_ref":"edd93885-766b-4172-b3fa-bfd350828539","_type":"reference"},"title":"Best App 2025"},{"_key":"a567d1b76270","_type":"bigBlockItem","introPara":[{"_key":"cbda18b3db28","_type":"block","children":[{"_key":"4509f069c5db","_type":"span","marks":[],"text":"These providers offer the best experience and overall support for beginner investors in the UK today. "}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best for Beginners 2024","asset":{"_ref":"image-01fcdc412ec691645497ff3cbc26528daf479380-1920x1080-png","_type":"reference"}},"reference":{"_ref":"a69caddd-cb85-4c9a-99ff-29fa6f036de9","_type":"reference"},"title":"Best For Beginners 2025"},{"_key":"e2efb787cc5c","_type":"bigBlockItem","introPara":[{"_key":"63fd501e86ea","_type":"block","children":[{"_key":"98912c9de854","_type":"span","marks":[],"text":"The best trading platforms in the UK based on customer reviews, ease of use and our live account testing."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best for Share Traders","asset":{"_ref":"image-9303b0180c3ed718e0f680add2bd6a37a10546f9-1920x1080-png","_type":"reference"}},"reference":{"_ref":"fa64145d-bd4e-4150-8588-298ea7e3d5ff","_type":"reference"},"title":"Best For Share Traders 2025"},{"_key":"67e1a9c3f5ac","_type":"bigBlockItem","introPara":[{"_key":"1ebe96ad316a","_type":"block","children":[{"_key":"d3bdfea5de6b","_type":"span","marks":[],"text":"The best providers in the UK with information, support and guidance for those who want a helping hand."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-78955ae949d6c5bbce0e719a2b0d6a6064db541b-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"76a171af-4523-416f-8eb9-6df7272d8c2d","_type":"reference"},"title":"Best For Customer Service 2025"},{"_key":"d60a2704e088382b12d71a3a4ac59397","_type":"bigBlockItem","introPara":[{"_key":"9126c7aa363f","_type":"block","children":[{"_key":"0497d2a46dc9","_type":"span","marks":[],"text":""},{"_key":"598948244938","_type":"mainAnchor","pageAnchor":{"_ref":"cfa94b67-b75a-4723-98e0-81fa96b3fcf6","_type":"reference"}},{"_key":"7b72b358e174","_type":"span","marks":[],"text":"The best providers in the UK for innovative features, portfolio analysis tools and range of investments. "}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-65565609d8a1dfb4870e448d4dbabd522a0c3c66-1920x1080-png","_type":"reference"}},"reference":{"_ref":"df3d4346-4cfc-4a90-8bfa-1a9016dcd649","_type":"reference"},"title":"Best For Investment Research 2025"},{"_key":"aed8c65fd17bc385c0e160ab5317ccb4","_type":"bigBlockItem","introPara":[{"_key":"b5e310ef72e6","_type":"block","children":[{"_key":"e137df6c62140","_type":"span","marks":[],"text":"The best providers in the UK for information, support, and guidance across phone channels, support onlin,e and web chat."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-7df01bf5b566559fae496668723f394dffeb1acf-1920x1080-png","_type":"reference"}},"reference":{"_ref":"9339412f-84fd-40d7-a922-576b8369e6ce","_type":"reference"},"title":"Best For Investment Trusts 2025"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":4,"styles":"White","title":"Category","titleLineClamp":2},{"_key":"dbf4b5de2169","_type":"smallSpacerBlock","styles":"White","title":"s"},{"_key":"32ac24f1f3d3","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"2c34f012909c","_type":"block","children":[{"_key":"784fc1284387","_type":"span","marks":[],"text":""},{"_key":"6c62e2471282","_type":"mainAnchor","pageAnchor":{"_ref":"bdb805f3-efc6-4ee0-afa7-62c2d44316e1","_type":"reference"}},{"_key":"6d2c94d5d2e6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Judged awards"},{"_key":"2678c6143023","_type":"tabsTextboxBlock","equaliseTabHeights":true,"styles":"Blue","tabs":[{"_key":"837f833115d4","_type":"tabsTextboxItem","customTabText":[{"_key":"0a7368475fd9","_type":"block","children":[{"_key":"259400adf5be","_type":"span","marks":[],"text":"Consumer Choice Award"}],"markDefs":[],"style":"h4"},{"_key":"c72295df38d2","_type":"block","children":[{"_key":"8f7f9ea9866e","_type":"span","marks":[],"text":"Discover how our readers select the winners of our coveted Consumer Choice Award."}],"markDefs":[],"style":"normal"}],"image":{"_type":"mainImage","asset":{"_ref":"image-112cf22920832195d41e369755ed6905777437ed-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","textParagraph":[{"_key":"9693d7c0a22e","_type":"block","children":[{"_key":"8aea809806f40","_type":"span","marks":[],"text":"\nThis award was voted for by Boring Money readers. We asked readers to nominate their favourite investment platform and also asked about satisfaction and likelihood to recommend the service, so assessing both nominations but also strength of conviction. The award reflects our readers’ opinion and preferences.\n\n"},{"_key":"5f3ceefbe188","_type":"span","marks":["strong"],"text":"Winner: "},{"_key":"35b60060f994","_type":"span","marks":["strong","29a6595ac713"],"text":"interactive investor"},{"_key":"39eb0dc5c670","_type":"span","marks":[],"text":"\n\n"},{"_key":"2cdab8ca9c40","_type":"span","marks":["strong"],"text":"Highly commended: "},{"_key":"902955821978","_type":"span","marks":["strong","f99f2ae47d6d"],"text":"AJ Bell"},{"_key":"3b01c83a0c17","_type":"span","marks":["strong"],"text":" and "},{"_key":"a51e888ec97a","_type":"span","marks":["strong","4961991d4369"],"text":"Trading 212"}],"markDefs":[{"_key":"29a6595ac713","_type":"internalLinkPick","reference":{"_ref":"22d041fa-4595-43c0-9055-7853b8b849f0","_type":"reference"}},{"_key":"f99f2ae47d6d","_type":"internalLinkPick","reference":{"_ref":"1dbcb796-5201-4542-a5fd-e9d2d02257e5","_type":"reference"}},{"_key":"4961991d4369","_type":"internalLinkPick","reference":{"_ref":"28f324b0-a9ce-4a8e-95a1-2aa75444467c","_type":"reference"}}],"style":"normal"}]},{"_key":"9a9904df8dd9","_type":"tabsTextboxItem","customTabText":[{"_key":"2ed3459b705c","_type":"block","children":[{"_key":"acc2eeb0d546","_type":"span","marks":[],"text":""},{"_key":"0e4121f4a450","_type":"mainAnchor","pageAnchor":{"_ref":"d38f27d8-2458-42bb-84f2-99b7c1f1e5c0","_type":"reference"}},{"_key":"c420aedbf8360","_type":"span","marks":[],"text":"Value For Money Award"}],"markDefs":[],"style":"h4"},{"_key":"4f7157ac071e","_type":"block","children":[{"_key":"3a3278df3bf10","_type":"span","marks":[],"text":"Discover how we select the winners of our coveted Value For Money award."}],"markDefs":[],"style":"normal"}],"fullSizeImage":{"_type":"mainImage","blankAltTag":false},"image":{"_type":"mainImage","asset":{"_ref":"image-cf84a0aaa79c358847c6d2b6f972d1131b7b366f-3375x3375-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","textParagraph":[{"_key":"971800712038","_type":"block","children":[{"_key":"c1e487a8f22d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"eaf78957902c","_type":"block","children":[{"_key":"846dc04096360","_type":"span","marks":[],"text":"The Value For Money category relies entirely on the customer perspective, acknowledging the complex and subjective nature of value. This award is voted by platform users and is not scored or judged by Boring Money. Throughout 2024, we collected a rating from 11,266 platform customers who were asked to score the platform they used for Value For Money out of 10.\n"}],"markDefs":[],"style":"normal"},{"_key":"cf99b2710722","_type":"block","children":[{"_key":"73ac8c06a8a7","_type":"span","marks":["strong"],"text":"See the winners "},{"_key":"e5c3999900fd","_type":"span","marks":["aaf03d15ba19","strong"],"text":"here"},{"_key":"1953fffc243c","_type":"span","marks":["strong"],"text":"."}],"markDefs":[{"_key":"aaf03d15ba19","_type":"internalLinkPick","reference":{"_ref":"761488e4-e055-4464-95fb-bca84ca22570","_type":"reference"}}],"style":"normal"}]}]},{"_key":"5f2e74ef6578c744d7b566599dd8bb7d","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"95414b5c32a0","_type":"block","children":[{"_key":"50d62b660a5a","_type":"span","marks":[],"text":"How do we choose our winners?"}],"markDefs":[],"style":"h3"},{"_key":"caa226c4aba8","_type":"block","children":[{"_key":"49a089d80fae","_type":"span","marks":[],"text":"We scour the investment market using our 8 years' of experience, a combination of 40+ live accounts, 100s of hours of call centre testing, rigorous cost analysis from our team of in-house analysts, and over 22,000 real customer reviews to help you find the best home for your money. "},{"_key":"d6df569c7ea7","_type":"span","marks":["strong"],"text":"The result? A hand-picked selection of the very best investment providers on the market today."}],"markDefs":[],"style":"normal"},{"_key":"607ca39983f8","_type":"block","children":[{"_key":"6078ee38960e0","_type":"span","marks":[],"text":"‏‏‎ ‎"}],"markDefs":[],"style":"normal"}],"linkText":"OUR METHODOLOGY","reference":{"_ref":"9e12dca7-1836-4410-acc1-6bc412092eaf","_type":"reference"},"styles":"White"}],"emailSignupWidgetButtonText":"JOIN US","emailSignupWidgetParagraphText":"Winners 2025: The UK's top investment providers revealed!\n\n\n\n\n\n","enableGatedContent":true,"excerpt":[{"_key":"1b3e4946a28c","_type":"block","children":[{"_key":"7ee2f6e868600","_type":"span","marks":[],"text":"Explore the top investment providers of 2025 with Boring Money's Best Buy Awards. Our expert reviews and real customer feedback help you make informed investment decisions across all types of investments."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue background  - Text center - Slide up from bottom of page","gatedContentBody":[{"_key":"b4a916d8c413","_type":"heroSection","alignment":"Text Right","brazeCustomAttributes":[{"_key":"d4a0b2b3abe7","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_BBawards2025","customAttributeValue":"SIGNUPPAGE_BM_BBawards2025"}],"introPara":[{"_key":"0b57ad5bf6e9","_type":"block","children":[{"_key":"596844fa6f28","_type":"span","marks":[],"text":"How we choose the UK's best investment providers:"}],"markDefs":[],"style":"h1"},{"_key":"a1859fb62aae","_type":"block","children":[{"_key":"2c54bc15c6bf","_type":"span","marks":[],"text":"Is your investment provider truly giving you the best value? With fees potentially eating thousands from your investment returns and savings, choosing the right platform matters more than ever."}],"markDefs":[],"style":"normal"},{"_key":"892526ff0644","_type":"block","children":[{"_key":"c6d8ef30bde9","_type":"span","marks":[],"text":"Our 2025 Best Buy Awards cut through the noise to reveal which UK providers "},{"_key":"34f25c250535","_type":"span","marks":["em"],"text":"actually"},{"_key":"137a910faf1b","_type":"span","marks":[],"text":" deliver the best experience for investors like you. "}],"markDefs":[],"style":"normal"},{"_key":"5c01f4d7df5d","_type":"block","children":[{"_key":"c722ab57834a","_type":"span","marks":[],"text":"Based on over 22,000 customer reviews and months of rigorous testing, here's how we identify the companies worth your money."}],"markDefs":[],"style":"normal"},{"_key":"82fb57fcc67c","_type":"block","children":[{"_key":"1f17b81fca2e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-d3f9efb1ce23be27e62043346c09f68519c5a2c3-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"f6da89af-f94e-4900-a721-74a59bfe90d3","_type":"reference"},"styles":"Half-Padding-White","thankYouText":[{"_key":"906e9c7f547b","_type":"block","children":[{"_key":"ae85e273070c0","_type":"span","marks":[],"text":"How We Choose the UK's Best Investment Platforms: "}],"markDefs":[],"style":"h1"},{"_key":"50a0f215b012","_type":"block","children":[{"_key":"28f30e4b547e0","_type":"span","marks":[],"text":"Is your investment platform truly giving you the best value? With fees potentially eating thousands from your retirement savings, choosing the right platform matters more than ever."}],"markDefs":[],"style":"normal"},{"_key":"69c01d3064fb","_type":"block","children":[{"_key":"62b8f572f9900","_type":"span","marks":[],"text":"Our 2025 Best Buy Awards cut through the marketing noise to reveal which UK investment platforms actually deliver the best experience for investors like you. Based on over 22,000 customer reviews and months of rigorous testing, here's how we identify the platforms worth your money."}],"markDefs":[],"style":"normal"},{"_key":"3da6e22a5c7b","_type":"block","children":[{"_key":"b8ca9bbeea280","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"How we choose the UK's best investment providers:"}],"gatedContentReadMoreText":[{"_key":"3bb30e26e786","_type":"block","children":[{"_key":"40f95b1ea0880","_type":"span","marks":[],"text":"\n🔒 Subscribers get exclusive access to:"}],"markDefs":[],"style":"normal"},{"_key":"80b73a1ae7a7","_type":"block","children":[{"_key":"d8e4f72a9741","_type":"span","marks":[],"text":"Complete rankings and detailed analysis of all winners"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"2d123d2b7f0e","_type":"block","children":[{"_key":"4b1bb4ef1e8b","_type":"span","marks":[],"text":"Cost comparison calculator for your portfolio size"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"35216fc6c13a","_type":"block","children":[{"_key":"8d81991fad18","_type":"span","marks":[],"text":"Platform selection tool based on your specific needs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"341ec0086c1a","_type":"block","children":[{"_key":"ad6ab0d71d02","_type":"span","marks":[],"text":"Expert insights on upcoming platform developments\n\n"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"isPrivatePage":false,"publishedAt":"1970-07-01T15:05:00.000Z","slug":{"_type":"slug","current":"boring-money-awards-2025"},"subfolder":{"_id":"83495465-d1dd-4049-a955-b065009036e6","_type":"folderCategory","_rev":"JrRx5dLFvUMQ8OBF5uu6go","_createdAt":"2021-05-11T10:23:25Z","_updatedAt":"2023-08-04T11:11:48Z","description":"/","folder":"/","id":"-f6e09d1c-fce6-5f27-bf98-8d255a16b84b","children":[],"parent":null},"textNextToKey":"Join 50,000+ investors getting our independent platform research - Free!","theme":"Boring Money theme","title":"Boring Money Best Buy Awards 2025","id":"-59e9daac-5536-52dc-b300-457a18486564","children":[],"parent":null},"title":"Boring Money Awards 2025"},{"_key":"8e410b91cd6a","_type":"breadcrumbReference","linkReference":{"_id":"9e12dca7-1836-4410-acc1-6bc412092eaf","_type":"information","_rev":"LRF31LjMeR0tYSnPYH7fq6","_createdAt":"2021-07-16T11:32:13Z","_updatedAt":"2026-03-09T09:04:23Z","_system":{"base":{"id":"9e12dca7-1836-4410-acc1-6bc412092eaf","rev":"WEOGLuOwDm8wi7hKtzZVKE"}},"authors":[{"_key":"7134b2996712","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"body":[{"_key":"8849f71a0a17","_type":"block","children":[{"_key":"af3e0ddf216f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7b6284af91c0","_type":"block","children":[{"_key":"b73a809f4437","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"76c0c24ac3ae","_type":"block","children":[{"_key":"e5498c0507e0","_type":"span","marks":["strong"],"text":"Investors have a huge number of options when choosing where to invest and which products to buy. Our annual Best Buy Awards were established in 2018 to help them see the wood for the trees and choose the best home for their money."}],"markDefs":[],"style":"normal"},{"_key":"3d25988c578f","_type":"block","children":[{"_key":"f4b81add98710","_type":"span","marks":[],"text":"What are the Boring Money Best Buy Awards?"}],"markDefs":[],"style":"h2"},{"_key":"9f7d83260c4f","_type":"block","children":[{"_key":"aaa041cbbdab0","_type":"span","marks":[],"text":"For nine years, the "},{"_key":"5086d70ccebd","_type":"span","marks":["15fe5237dc1c"],"text":"Boring Money Best Buy Awards"},{"_key":"1973f311d3ec","_type":"span","marks":[],"text":" have been recognising the best investment providers in the UK.​"}],"markDefs":[{"_key":"15fe5237dc1c","_type":"internalLinkPick","reference":{"_ref":"f6da89af-f94e-4900-a721-74a59bfe90d3","_type":"reference"}}],"style":"normal"},{"_key":"c6ae0e24cce3","_type":"block","children":[{"_key":"0324624a5eed","_type":"span","marks":[],"text":"Our awards are the result of months of independent research, including 40+ live accounts, hours of call centre testing, rigorous cost analysis from our team of in-house analysts, and over 27,000 real customer reviews - all to determine the very best providers on the market."}],"markDefs":[],"style":"normal"},{"_key":"f531ebcb6169","_type":"block","children":[{"_key":"3bd7c4a0b7eb0","_type":"span","marks":[],"text":"​Featured in ads on the tube, on brand homepages and even in national press, our Best Buy Awards are recognised by the industry and investors alike as a badge of honour for the providers who win our hard-won seal of approval."}],"markDefs":[],"style":"normal"},{"_key":"7a5bc92c23f8","_type":"block","children":[{"_key":"41624787d8f1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"fa9a873dda73","_type":"block","children":[{"_key":"2d5c70e17dd8","_type":"span","marks":[],"text":"How do we choose our winners?"}],"markDefs":[],"style":"h2"},{"_key":"62b16da21b39","_type":"block","children":[{"_key":"19512b63adaa0","_type":"span","marks":[],"text":"The Boring Money Best Buy Awards take our in-house team of analysts over 3 months to research and collate to recognise all-round excellence."}],"markDefs":[],"style":"normal"},{"_key":"3bb60d440a88","_type":"block","children":[{"_key":"1800e520b7bc","_type":"span","marks":[],"text":"They are compiled using a range of criteria which we believe represent a comprehensive customer experience. These include:"}],"markDefs":[],"style":"normal"},{"_key":"4ef703d2ba3e","_type":"block","children":[{"_key":"802fc61ca144","_type":"span","marks":[],"text":"Over 31,000 customer reviews"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"035f04502b7c","_type":"block","children":[{"_key":"13761d1089520","_type":"span","marks":[],"text":"Website analysis and logged-in testing from our live test accounts"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"5ce63d6846e7","_type":"block","children":[{"_key":"c849dda2980d0","_type":"span","marks":[],"text":"Feature testing across a wide range of criteria"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a5bb01ceacab","_type":"block","children":[{"_key":"e3ee6404d98c","_type":"span","marks":[],"text":"Detailed cost analysis for different portfolio sizes and trading assumptions"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4e80a4a30026","_type":"block","children":[{"_key":"7ebac07a59e9","_type":"span","marks":[],"text":"Customer service testing for call centres and support"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e655e774ecb0","_type":"block","children":[{"_key":"d7def0403cdb","_type":"span","marks":[],"text":"The view of our Founder & CEO and investment expert, "},{"_key":"b35d7ce88e49","_type":"span","marks":["76ec4fd75c1a"],"text":"Holly Mackay"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"76ec4fd75c1a","_type":"internalLinkPick","reference":{"_ref":"6dff6a49-b6ac-46cf-abed-819cb7486e2d","_type":"reference"}}],"style":"normal"},{"_key":"f5c57eebd807","_type":"block","children":[{"_key":"b693d90cf7590","_type":"span","marks":[],"text":"Customer ratings on value, service, and website/app experience"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"9ece28d3178d","_type":"block","children":[{"_key":"23825eeff7b30","_type":"span","marks":[],"text":"Size and longevity of the platform in the market"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"3b98d2b018af","_type":"block","children":[{"_key":"b2b7d372f64b","_type":"span","marks":[],"text":"Explanation of components"}],"markDefs":[],"style":"h3"},{"_key":"17fd8f4fca57","_type":"block","children":[{"_key":"7b4fd56831eb","_type":"span","marks":["strong"],"text":"Front-end testing:"},{"_key":"75beb4a5bc70","_type":"span","marks":[],"text":" Multiple analysts from the BM team conduct a thorough review of the brand’s website as a prospective customer sees it, rating a provider on various metrics, including navigation, guidance, tools, clarity, and engagement."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ca80dfe39f19","_type":"block","children":[{"_key":"41607b83503e","_type":"span","marks":["strong"],"text":"Back-end testing"},{"_key":"894308278eb3","_type":"span","marks":[],"text":": This focuses on the logged-in experience and includes an assessment of how portfolio performance is presented to customers, ease of accessing key documents, and the analytical functionality each provider offers."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"fcf986bf54e7","_type":"block","children":[{"_key":"143ff5da3d54","_type":"span","marks":["strong"],"text":"Feature testing"},{"_key":"87e16e8054db","_type":"span","marks":[],"text":": BM analysts look at over 25 features that an ideal investment provider should have (determined by our research & consumer feedback) and assess each provider on this metric."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"414f43e45c31","_type":"block","children":[{"_key":"dd99fa344ae3","_type":"span","marks":["strong"],"text":"Holly Mackay's score"},{"_key":"516992a95435","_type":"span","marks":[],"text":": Our Founder & CEO, Holly Mackay, reviews every platform and gives a score from her perspective as a market-expert and primary test account holder."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"0c65cc7d748d","_type":"block","children":[{"_key":"266457bab690","_type":"span","marks":["strong"],"text":"Customer ratings"},{"_key":"5fbbd384d883","_type":"span","marks":[],"text":": Platform customers’ provider ratings for components of value, service, and website/app experience (as provided to us via our "},{"_key":"953e9b3bba28","_type":"span","marks":["163686d6bf2f"],"text":"Platform Investor Tracker"},{"_key":"0bf9a0cdaa8c","_type":"span","marks":[],"text":" surveys or directly via our provider review pages)."}],"level":1,"listItem":"bullet","markDefs":[{"_key":"163686d6bf2f","_type":"internalLinkPick","reference":{"_ref":"6b616fc9-bc9c-445f-a6ce-2466db319acb","_type":"reference"}}],"style":"normal"},{"_key":"684532f2d160","_type":"block","children":[{"_key":"0b5a5ed3eb10","_type":"span","marks":["strong"],"text":"Cost score"},{"_key":"e191ece00618","_type":"span","marks":[],"text":": BM analysts run through a series of cost scenarios with a range of inputs, factoring in various portfolio sizes and trading frequencies."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"fab1e99514ca","_type":"block","children":[{"_key":"a69065b268c8","_type":"span","marks":["strong"],"text":"Call centre analysis:"},{"_key":"6526acb70d14","_type":"span","marks":[],"text":" BM calls each provider multiple times and provides a score based on answer waiting times. These calls are conducted across multiple days and are evenly spread throughout the day. BM also assesses the opening hours for the call centres of each provider."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"3f5c6dbccf32","_type":"block","children":[{"_key":"55b82791b57b","_type":"span","marks":["strong"],"text":"Investment range"},{"_key":"8e4748e82fc7","_type":"span","marks":[],"text":": BM assesses the range of investment types offered by each provider, covering funds, "},{"_key":"f96a37bc4c96","_type":"span","marks":["c600ead37aa3"],"text":"shares"},{"_key":"b4212e4ea8ec","_type":"span","marks":[],"text":", "},{"_key":"6ae344d88de2","_type":"span","marks":["89bb400063ce"],"text":"ETFs,"},{"_key":"e2ae4020ea33","_type":"span","marks":[],"text":" "},{"_key":"89b12d0fa0d8","_type":"span","marks":["3eb7f7cb5053"],"text":"Investment Trusts"},{"_key":"ed5876d4672c","_type":"span","marks":[],"text":", and "},{"_key":"f3dff003f305","_type":"span","marks":["7d928237d24b"],"text":"Ready-Made Solutions"},{"_key":"f9327175b1a0","_type":"span","marks":[],"text":"."}],"level":1,"listItem":"bullet","markDefs":[{"_key":"c600ead37aa3","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}},{"_key":"89bb400063ce","_type":"internalLinkPick","reference":{"_ref":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"reference"}},{"_key":"3eb7f7cb5053","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}},{"_key":"7d928237d24b","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"c052c0badb76","_type":"block","children":[{"_key":"639dc910ee82","_type":"span","marks":["strong"],"text":"Size and longevity"},{"_key":"b26fddcd34d2","_type":"span","marks":[],"text":": BM determines a score for each provider based on the size and longevity of the provider in the market."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"82ea9c57a0b3","_type":"block","children":[{"_key":"dae6339641320","_type":"span","marks":[],"text":"Providers need at least 100 reviews to be awarded a Best Buy in this category."}],"markDefs":[],"style":"normal"},{"_key":"4696cc441326","_type":"block","children":[{"_key":"b2b7d372f64b","_type":"span","marks":[],"text":"Our rating criteria illustrated"}],"markDefs":[],"style":"h3"},{"_key":"1b890033816e","_type":"block","children":[{"_key":"dd9dc63bf077","_type":"span","marks":[],"text":"The image below illustrates how the different criteria are used in different weightings to judge the winners of our Best Buy Awards."}],"markDefs":[],"style":"normal"},{"_key":"a8627c533e08","_type":"frameWidget","href":"https://www.canva.com/design/DAG_DYGm8XE/XMls6ZnXhjzX3OBhAFhSNg/view?embed"},{"_key":"a301cdbd3ff3","_type":"block","children":[{"_key":"7dae57730a26","_type":"span","marks":[],"text":"Additional rating criteria by category"}],"markDefs":[],"style":"h3"},{"_key":"15410b25792b","_type":"block","children":[{"_key":"42f37632c1b50","_type":"span","marks":[],"text":"Our Best Buy awards are judged with relevant criteria that differ based on the wrapper and award. Some of the adjustments and specific factors we've considered for our awards can be found below:"}],"markDefs":[],"style":"normal"},{"_key":"78f9e8a3c88b","_type":"block","children":[{"_key":"e7b76e1f23ba","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"13877b882cd5","_type":"dropdownWidget","items":[{"_key":"a053f51561bf","_type":"dropdownObject","text":[{"_key":"a3b0969c3af6","_type":"block","children":[{"_key":"17cb5ea257390","_type":"span","marks":[],"text":"Detailed cost analysis that covers over 20 scenarios across 7 different portfolio sizes, ranging from £1,000 - £300,000. Scenarios include share trading analysis, funds, and ready-made investment solutions"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"82ea9c57a0b3","_type":"block","children":[{"_key":"dae6339641320","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Best Buy ISA"},{"_key":"84b2ebe4c843","_type":"dropdownObject","text":[{"_key":"4768c0d44b66","_type":"block","children":[{"_key":"ed1ae3becc86","_type":"span","marks":[],"text":"Cost scenarios were based on larger portfolios as average pension pots are larger than ISAs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"991922822dbe","_type":"block","children":[{"_key":"67cf2345ef40","_type":"span","marks":[],"text":"Detailed cost analysis that covers 18 scenarios across 9 different portfolio sizes, ranging from £1,000 - £750,000. Scenarios include platform administration charges and an all-in cost of investing with a ready-made investment option"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"9146ca3c6db0","_type":"block","children":[{"_key":"c3230eda75980","_type":"span","marks":[],"text":"Other factors considered included drawdown capability, the presence of any additional pension charges, consolidation functionality and support, as well as plan/wrapper administration."}],"markDefs":[],"style":"normal"}],"title":"Best Buy Pension"},{"_key":"dc37fdcb98dd","_type":"dropdownObject","text":[{"_key":"bf3ba3353b8d","_type":"block","children":[{"_key":"d94d5a193f92","_type":"span","marks":[],"text":"Detailed cost analysis that covers 14 scenarios across 7 different portfolio sizes, ranging from £1,000 to £300,000. Scenarios include platform administration charges and an all-in cost of investing with a ready-made investment option. Guidance and information for less experienced investors was also considered."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e7fc632958c9","_type":"block","children":[{"_key":"2d25a05f7d94","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4038ada56bd9","_type":"block","children":[{"_key":"d8a84f11833d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Best Buy LISA"},{"_key":"816689185e63","_type":"dropdownObject","text":[{"_key":"e49c97d45e47","_type":"block","children":[{"_key":"6339c57202d40","_type":"span","marks":[],"text":"Detailed cost analysis that covers 12 scenarios across 6 different portfolio sizes, ranging from £1,000 - £100,000. Scenarios include platform administration charges and an all-in cost of investing with a ready-made investment option"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"5543fd773ce8","_type":"block","children":[{"_key":"f6c08abd65f40","_type":"span","marks":[],"text":"We also incorporate a custom JISA score, which is based on factors like:"}],"markDefs":[],"style":"normal"},{"_key":"f97b04d1c750","_type":"block","children":[{"_key":"42bc295fa612","_type":"span","marks":[],"text":"Streamlined account management​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"becf25fb9463","_type":"block","children":[{"_key":"c864219a3dd8","_type":"span","marks":[],"text":"Ease of gifting​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"549282319716","_type":"block","children":[{"_key":"5df79854f741","_type":"span","marks":[],"text":"Non-guardian contributions​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"9eb59403ff12","_type":"block","children":[{"_key":"02d986843c7f","_type":"span","marks":[],"text":"Guidance and information support"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"title":"Best Buy JISA"},{"_key":"fb09b8ccecdf","_type":"dropdownObject","text":[{"_key":"413672a96a65","_type":"block","children":[{"_key":"183a8ea6714d0","_type":"span","marks":[],"text":"Factors considered include subjective Boring Money UX testing, feature analysis, App Store/Google Play reviews, and scores from customer reviews on app experience across 2025."}],"markDefs":[],"style":"normal"}],"title":"Best App"},{"_key":"a12c3aff19ec","_type":"dropdownObject","text":[{"_key":"3b57abee7b9d","_type":"block","children":[{"_key":"ada6deba06f70","_type":"span","marks":[],"text":"Website, app and feature testing with a focus on beginner needs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"20e8ee6e19e5","_type":"block","children":[{"_key":"f0da52cb35970","_type":"span","marks":[],"text":"Detailed cost analysis that covers 10 scenarios across 5 different portfolio sizes, ranging from £1,000 - £50,000. Scenarios include platform administration charges and an all-in cost of investing with a ready-made investment option"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a43bf0318157","_type":"block","children":[{"_key":"009da26a8747","_type":"span","marks":[],"text":"Increased weighting on guidance and UX"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"084c0ef57a4f","_type":"block","children":[{"_key":"4cdc4f6f6c230","_type":"span","marks":[],"text":"Minimum investment sizes and onboarding journeys factored into the process."}],"markDefs":[],"style":"normal"}],"title":"Best For Beginners"},{"_key":"f72407470f8b","_type":"dropdownObject","text":[{"_key":"25e6afcc3b65","_type":"block","children":[{"_key":"b7b245ee1eb30","_type":"span","marks":[],"text":"This award is more subjective and does not formally incorporate customer reviews.​ We looked to recognise those platforms which combine features and charges to offer a compelling platform for share traders. ​"}],"markDefs":[],"style":"normal"},{"_key":"527b046edc44","_type":"block","children":[{"_key":"ebfaeb2c1469","_type":"span","marks":[],"text":"Boring Money researchers reviewed features and functionality with a focus on share trading. ​7 different portfolios were assessed for costs, across different sizes and trading patterns. The costs were modelled on listed securities only. ​"}],"markDefs":[],"style":"normal"},{"_key":"13c5b83b4e69","_type":"block","children":[{"_key":"98722cdfed8e","_type":"span","marks":[],"text":"We also considered:​"}],"markDefs":[],"style":"normal"},{"_key":"b718fb92e7fa","_type":"block","children":[{"_key":"3dee4ce205d00","_type":"span","marks":[],"text":"Dealing fees​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"fd7689a6f4e2","_type":"block","children":[{"_key":"c16e97c792a70","_type":"span","marks":[],"text":"Choice and range of listed securities available ​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8375d4489f66","_type":"block","children":[{"_key":"4bb4b160fa6c0","_type":"span","marks":[],"text":"Access to international markets​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"df470ed833f6","_type":"block","children":[{"_key":"fcd75735eff40","_type":"span","marks":[],"text":"Analysis tools available on specific shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f9ecbf7b3dd4","_type":"block","children":[{"_key":"fcd75735eff40","_type":"span","marks":[],"text":"Share-based content"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"44123be5fbcf","_type":"block","children":[{"_key":"fcd75735eff40","_type":"span","marks":[],"text":"Clarity and distinction between shares and CFDs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"title":"Best for Share Traders"},{"_key":"736dccaafd3d","_type":"dropdownObject","text":[{"_key":"2bfa66761c8e","_type":"block","children":[{"_key":"595ac902d33b0","_type":"span","marks":[],"text":"This award is assessed with several factors which include input and scores from thousands of customers, as well as in-house research by Boring Money, including:"}],"markDefs":[],"style":"normal"},{"_key":"b0d6f7424865","_type":"block","children":[{"_key":"b689d825672a0","_type":"span","marks":[],"text":"Scores from 20,000 users about their last interaction with their platform ​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"17ad694df5a2","_type":"block","children":[{"_key":"0dd89441f5be0","_type":"span","marks":[],"text":"9 calls to each provider at different times and on different days ​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c40a9a6c4caf","_type":"block","children":[{"_key":"b054cf7c2f7b0","_type":"span","marks":[],"text":"Call centre answer & opening times​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"fad552dd198d","_type":"block","children":[{"_key":"51887e3201780","_type":"span","marks":[],"text":"Customer ratings on service"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"67b566f661cb","_type":"block","children":[{"_key":"0833cca10be90","_type":"span","marks":[],"text":"Customer recommendation scores​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b9f50ba36973","_type":"block","children":[{"_key":"3a4b9e3511ef0","_type":"span","marks":[],"text":"Feature analysis including webchat, FAQ sections & secure messaging functionality"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"title":"Best For Customer Service"},{"_key":"c1c828a3bb2c37d464cd5507b2e15739","_type":"dropdownObject","text":[{"_key":"11192bde06cf","_type":"block","children":[{"_key":"2143ff29d9fc0","_type":"span","marks":[],"text":"Price, range, investment-specific research, shortlists, proxy voting capabilities, filtering tools, and front/back-end detail were all considered, amongst other factors."}],"markDefs":[],"style":"normal"}],"title":"Best For Investment Trusts"},{"_key":"9503225f23c1cb914f80535fc78b21ae","_type":"dropdownObject","text":[{"_key":"17f721a2d5db","_type":"block","children":[{"_key":"ab32a8c8b3720","_type":"span","marks":[],"text":"Feature testing, investment analysis and tools functionality, quality and range of content, breadth and detail of market updates, innovative features, and back-end research capabilities were all considered, amongst other factors."}],"markDefs":[],"style":"normal"}],"title":"Best For Investment Research"},{"_key":"1d8d8dc97991","_type":"dropdownObject","text":[{"_key":"cc680e4029a7","_type":"block","children":[{"_key":"ae0f8ccb0a150","_type":"span","marks":[],"text":"This award is purely focused on cost and does not factor in customer reviews or feedback, nor Boring Money feature testing.​"}],"markDefs":[],"style":"normal"},{"_key":"f7afc1eaeeba","_type":"block","children":[{"_key":"64e558e2cac80","_type":"span","marks":[],"text":"Different portfolios were assessed across a variety of sizes, taking into account both platform charges and the total cost of investing in a ready-made solution."}],"markDefs":[],"style":"normal"},{"_key":"dbc0eddb7ef7","_type":"block","children":[{"_key":"b96c037978130","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Best For Low-Cost ISA "},{"_key":"cef64aaa9bb4","_type":"dropdownObject","text":[{"_key":"c8d1e2fc7411","_type":"block","children":[{"_key":"f362cf0e822a0","_type":"span","marks":[],"text":"This award is purely focused on cost and does not factor in customer reviews or feedback, nor Boring Money feature testing."}],"markDefs":[],"style":"normal"},{"_key":"2dd938fa5d9e","_type":"block","children":[{"_key":"1e763e9e10590","_type":"span","marks":[],"text":"Different portfolios were assessed across a variety of sizes, taking into account platform charges on portfolios invested in funds and shares."}],"markDefs":[],"style":"normal"},{"_key":"6c14948bd791","_type":"block","children":[{"_key":"a00659af663c0","_type":"span","marks":[],"text":"Providers included must offer a decent range of mutual funds and direct access to shares."}],"markDefs":[],"style":"normal"}],"title":"Best For Low-Cost ISA - Funds and Shares"},{"_key":"d8b78a940ebd","_type":"dropdownObject","text":[{"_key":"ecf05a3b3c0b","_type":"block","children":[{"_key":"118e17d232810","_type":"span","marks":[],"text":"This award is purely focused on cost and does not factor in customer reviews or feedback, nor Boring Money feature testing.​"}],"markDefs":[],"style":"normal"},{"_key":"d781ba83f5b1","_type":"block","children":[{"_key":"b2e0b3522dcd","_type":"span","marks":[],"text":"Portfolios were assessed across a variety of sizes under the £50k threshold, taking into account both platform charges and the total cost of investing in a ready-made solution."}],"markDefs":[],"style":"normal"},{"_key":"9d274133c64b","_type":"block","children":[{"_key":"65dbe6931d12","_type":"span","marks":[],"text":"Scores are weighted to reflect the primary offering of the platform, with greater emphasis placed on administration charges or ready-made solutions, depending on the platform."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"}],"title":"Best For Low-Cost Pension <£50k"},{"_key":"86564a6ba88c","_type":"dropdownObject","text":[{"_key":"07fc0a0f4d19","_type":"block","children":[{"_key":"d92687d380e40","_type":"span","marks":[],"text":"This award is purely focused on cost and does not factor in customer reviews or feedback, nor Boring Money feature testing.​"}],"markDefs":[],"style":"normal"},{"_key":"2a10c4912c11","_type":"block","children":[{"_key":"05555ed5aae8","_type":"span","marks":[],"text":"Different portfolios were assessed across a variety of sizes, taking into account both platform charges and the total cost of investing in a ready-made solution. We modelled costs for:​"}],"markDefs":[],"style":"normal"},{"_key":"2531eb08b7e6","_type":"block","children":[{"_key":"aca763aef94d0","_type":"span","marks":[],"text":"£50,000​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f360591ddc18","_type":"block","children":[{"_key":"1caefb5390a80","_type":"span","marks":[],"text":"£100,000​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c240d369545d","_type":"block","children":[{"_key":"225404d3015d0","_type":"span","marks":[],"text":"£250,000​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"bd5f4ba22a94","_type":"block","children":[{"_key":"88f9120c6b800","_type":"span","marks":[],"text":"£500,000​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"5024ac5d0532","_type":"block","children":[{"_key":"1a381dd072bf0","_type":"span","marks":[],"text":"£750,000​"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ce82867fd171","_type":"block","children":[{"_key":"3d56a2835aae0","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"}],"title":"Best For Low-Cost Pension >£50k"},{"_key":"3de7a1bc89ba","_type":"dropdownObject","text":[{"_key":"530ec3758d0e","_type":"block","children":[{"_key":"ae73e83c2cf7","_type":"span","marks":[],"text":"We selected the best options for low-cost advice and planning, focused on people with between £50k and £150k of investable assets. "}],"markDefs":[],"style":"normal"},{"_key":"1511e5cd86d5","_type":"block","children":[{"_key":"ae73e83c2cf7","_type":"span","marks":[],"text":"We considered charges, fee structure, the level of support received by customers, the range of issues that support and advice could be provided on, the quality of help offered to customers, the usefulness of recommendations, whether or not the wider financial situation was factored into the process, eligibility to use the service, and overall ease of process."}],"markDefs":[],"style":"normal"}],"title":"Best for Low-Cost Advice "},{"_key":"ee4670c97d24","_type":"dropdownObject","text":[{"_key":"b9fb8d0cc940","_type":"block","children":[{"_key":"8e9417080302","_type":"span","marks":[],"text":"Considerations include costs across a range of scenarios, fee structure, range of options, quality of content, investment specific analysis, user experience, and an assessment of the purchasing journey, amongst other factors."}],"markDefs":[],"style":"normal"}],"title":"Best for ETFs"},{"_key":"0cb61b450645","_type":"dropdownObject","text":[{"_key":"7ffdadcdb77b","_type":"block","children":[{"_key":"0ad5b8f964be","_type":"span","marks":[],"text":"To calculate this award, Boring Money have assessed the following factors:"}],"markDefs":[],"style":"normal"},{"_key":"dd399af96b53","_type":"block","children":[{"_key":"6902687d86aa","_type":"span","marks":[],"text":"5-year performance to the end of 2025"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"95ac76df940d","_type":"block","children":[{"_key":"602389dbdd63","_type":"span","marks":[],"text":"Boring Money assessed 3 portfolios per provider, choosing a low risk, medium risk, and high risk option, based on equity allocation, from a range of portfolios offered by the provider"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d458916a3c41","_type":"block","children":[{"_key":"9fbd34e3fca5","_type":"span","marks":[],"text":"High and medium risk solutions had a greater contribution to the performance score than the low risk solution"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"title":"Best for Ready-Made Solutions"},{"_key":"e44b7bda4186","_type":"dropdownObject","text":[{"_key":"12123bf5cc58","_type":"block","children":[{"_key":"ecdfd3790fbf0","_type":"span","marks":[],"text":"The"},{"_key":"ecdfd3790fbf1","_type":"span","marks":["strong"],"text":" "},{"_key":"371451c5dbcf","_type":"span","marks":[],"text":"Value For Money category relies entirely on the customer perspective, acknowledging the complex and subjective nature of value. This award is voted by platform users and is not scored or judged by Boring Money. Throughout 2024, we collected a rating from 11,266 platform customers who were asked to score the platform they used for Value For Money out of 10."}],"markDefs":[],"style":"normal"}],"title":"Value For Money Award"},{"_key":"8b2f406e15b0","_type":"dropdownObject","text":[{"_key":"b0ab7ac6db59","_type":"block","children":[{"_key":"4bfe0d3cfc42","_type":"span","marks":[],"text":"Boring Money evaluates workplace pension providers using a balanced four-pillar rating system: Customer Reviews (we examine feedback from Google, Trustpilot, and our own platform to gauge real user satisfaction), Service Quality (we test apps, customer support, and complaint handling firsthand), Performance (we analyse 1, 3 and 5-year investment returns compared to market quartiles), and Fees & Charges (we calculate total costs including hidden fees against market benchmarks). We also look at longevity and corporate backing to ensure we are working with solid, established businesses. "}],"markDefs":[],"style":"normal"},{"_key":"d490bcc50adc","_type":"block","children":[{"_key":"2da61fab9622","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ba84326e904a","_type":"block","children":[{"_key":"650005cdca81","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Boring Money Rated - Workplace Pensions"}]},{"_key":"248f2e36b548","_type":"block","children":[{"_key":"775c90d47d5e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8dc5bee1e6d3","_type":"block","children":[{"_key":"34039b6df24e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c78fda587d88","_type":"block","children":[{"_key":"09f3d16f94a2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"06ec478a088f","_type":"block","children":[{"_key":"27466e06e06d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"categories":[{"_key":"5d701be005db","_ref":"bb11e79a-953f-4735-9106-15c3396ed2c5","_type":"reference"}],"excerpt":[{"_key":"56a779e316ae","_type":"block","children":[{"_key":"8a578e2cb2190","_type":"span","marks":[],"text":"Discover how Boring Money's Best Buy Awards help investors choose the best UK investment providers. Based on extensive research, including 40+ live accounts, customer reviews, and cost analysis across ISAs, pensions, LISAs, and JISAs."}],"markDefs":[],"style":"normal"}],"hideRelatedContent":true,"noIndex":false,"pageBreadcrumb":{"_id":"3f22777a-cbb1-41b5-a915-620b30175c6b","_type":"breadcrumbCategory","_rev":"bBpgoFGEY7H8EheLRXByd8","_createdAt":"2025-02-20T16:10:29Z","_updatedAt":"2025-02-20T16:11:42Z","breadcrumbList":[{"_key":"1d54b24684f8","_type":"breadcrumbReference","linkReference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"title":"Compare Providers"},{"_key":"adcd8df9b6e7","_type":"breadcrumbReference","linkReference":{"_ref":"f6da89af-f94e-4900-a721-74a59bfe90d3","_type":"reference"},"title":"Boring Money Awards 2025"},{"_key":"8e410b91cd6a","_type":"breadcrumbReference","linkReference":{"_ref":"9e12dca7-1836-4410-acc1-6bc412092eaf","_type":"reference"},"title":"Methodology"}],"breadcrumbName":"Boring Money Awards 2025","id":"-0fee8cab-3c4b-56df-be18-432eeefed330","children":[],"parent":null},"publishedAt":"2025-02-04T10:21:00.000Z","slug":{"_type":"slug","current":"how-our-ratings-work"},"subfolder":{"_id":"83495465-d1dd-4049-a955-b065009036e6","_type":"folderCategory","_rev":"JrRx5dLFvUMQ8OBF5uu6go","_createdAt":"2021-05-11T10:23:25Z","_updatedAt":"2023-08-04T11:11:48Z","description":"/","folder":"/","id":"-f6e09d1c-fce6-5f27-bf98-8d255a16b84b","children":[],"parent":null},"template":"C-SB","theme":"Boring Money theme","title":"Our methodology","widgets":[{"_key":"57938a757358","_ref":"3fefd2ec-9177-427c-9149-529cd1417d24","_type":"reference"},{"_key":"5d733fbba33c","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"}],"id":"-60dfb237-fbd9-55d1-8cd0-23c1852570c1","children":[],"parent":null},"title":"Methodology"}],"breadcrumbName":"Boring Money Awards 2025","id":"-0fee8cab-3c4b-56df-be18-432eeefed330","children":[],"parent":null},"publishedAt":"2025-02-04T10:21:00.000Z","slug":{"_type":"slug","current":"how-our-ratings-work"},"subfolder":{"_id":"83495465-d1dd-4049-a955-b065009036e6","_type":"folderCategory","_rev":"JrRx5dLFvUMQ8OBF5uu6go","_createdAt":"2021-05-11T10:23:25Z","_updatedAt":"2023-08-04T11:11:48Z","description":"/","folder":"/","id":"-f6e09d1c-fce6-5f27-bf98-8d255a16b84b","children":[],"parent":null},"template":"C-SB","theme":"Boring Money theme","title":"Our methodology","widgets":[{"_id":"3fefd2ec-9177-427c-9149-529cd1417d24","_type":"widgetCategory","_rev":"mfgO8PbcFSLaqMaA8BmipS","_createdAt":"2021-07-28T08:56:55Z","_updatedAt":"2025-06-16T08:47:26Z","body":[{"_key":"2aa5b2aacbc9","_type":"block","children":[{"_key":"3ac8ab79e172","_type":"span","marks":[],"text":"Contact us"}],"markDefs":[],"style":"h4"},{"_key":"50da6f7a4168","_type":"block","children":[{"_key":"cbe5b44e78be","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f821331dc4dc","_type":"block","children":[{"_key":"c64105ad8f5c","_type":"span","marks":[],"text":"Have a question about money that we haven't answered? Need help making better money choices? "}],"markDefs":[],"style":"normal"},{"_key":"bd66c471e51a","_type":"block","children":[{"_key":"13924af1445a","_type":"span","marks":["strong"],"text":"Click here to contact our team."}],"markDefs":[],"style":"normal"}],"linkReference":{"_id":"789ad7dd-f1a8-4606-9075-20ecba5e0f6b","_type":"linkCategory","_rev":"lplVYZfWM6SeENm14p7rgN","_createdAt":"2022-10-11T10:42:09Z","_updatedAt":"2024-02-22T11:34:37Z","url":"mailto:community@boringmoney.co.uk","id":"-4036ead5-27b9-53f8-b172-b2a01e27899a","children":[],"parent":null},"mainImage":{"_type":"mainImage","alt":"Contact us","asset":{"_id":"image-e9a1e7125646cbb15c91c1ff25e6372e00bcd890-1920x1080-png","_type":"sanity.imageAsset","_rev":"F8NvwbY6Z75kXdJG8jOllB","_createdAt":"2023-10-18T15:17:41Z","_updatedAt":"2023-10-18T15:17:41Z","assetId":"e9a1e7125646cbb15c91c1ff25e6372e00bcd890","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"MFLgw,9PYR?w4T%NM^D*xuI9S]obITnN-;","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.7777777777777777,"height":1080,"width":1920},"hasAlpha":false,"isOpaque":true,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#43332d","foreground":"#fff","population":5.56,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#3d1f0b","foreground":"#fff","population":0.15,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#c3bca6","foreground":"#000","population":5.62,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#c3bca6","foreground":"#000","population":5.62,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#6162f2","foreground":"#fff","population":1.03,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#a88073","foreground":"#fff","population":5.03,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f0145a","foreground":"#fff","population":1.25,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"image.png","path":"images/k8qzcdw3/prod1503/e9a1e7125646cbb15c91c1ff25e6372e00bcd890-1920x1080.png","sha1hash":"e9a1e7125646cbb15c91c1ff25e6372e00bcd890","size":2236374,"uploadId":"hX2otwGzXwdfYc4238qQFYhCgMTgrv7V","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/e9a1e7125646cbb15c91c1ff25e6372e00bcd890-1920x1080.png","filename":"image.png","width":1920,"height":1080,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/e9a1e7125646cbb15c91c1ff25e6372e00bcd890-1920x1080.png?rect=600,0,720,1080&w=%width%&h=%height%&q=80","id":"image-e9a1e7125646cbb15c91c1ff25e6372e00bcd890-1920x1080-png","children":[],"parent":null}},"title":"Contact us","widgetType":{"_id":"669510d5-9577-4ce3-b9f5-17a73b44c59d","_type":"widgetTypes","_rev":"DsHc46whJxIpNrcPyQeVGy","_createdAt":"2021-07-02T13:00:28Z","_updatedAt":"2021-07-02T13:00:28Z","title":"Image + text + link","id":"-cddbfca0-b9a5-5835-a5d3-c98208b12cdc","children":[],"parent":null},"id":"-3372d7ad-076b-59de-ab05-cb9c3fdeaef7","children":[],"parent":null},{"_id":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"widgetCategory","_rev":"6AfP3xqI2sTk1rcr1kqY3C","_createdAt":"2023-10-19T15:43:42Z","_updatedAt":"2024-07-03T09:31:20Z","body":[{"_key":"63e5f12073a5","_type":"block","children":[{"_key":"d5d397dd4cdf","_type":"span","marks":[],"text":"Join our Research Panel"}],"markDefs":[],"style":"h4"},{"_key":"9d6941374f0a","_type":"block","children":[{"_key":"1867bfe56a21","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19a818c5c3ad","_type":"block","children":[{"_key":"9a839e0551030","_type":"span","marks":[],"text":"Join thousands of people earning cash or rewards for giving their honest feedback. Click here to become a member of the Boring Money Research Panel today!"}],"markDefs":[],"style":"normal"},{"_key":"67e84088f0cd","_type":"block","children":[{"_key":"696b7993b062","_type":"span","marks":["strong"],"text":"Click here to get started!"}],"markDefs":[],"style":"normal"}],"linkReference":{"_id":"04249739-c1d1-4d9d-83eb-cd744f57ff49","_type":"landingPage","_rev":"6GQVMObKpWvjCX4LMv16E8","_createdAt":"2022-10-17T14:37:39Z","_updatedAt":"2025-05-13T16:31:52Z","content":[{"_key":"74e7fd3abf29","_type":"breadcrumb","breadcrumbs":[{"_key":"760b0d086b58","_type":"breadcrumbReference","linkReference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"title":"Home"},{"_key":"51053ad53a6c","_type":"breadcrumbReference","linkReference":{"_ref":"04249739-c1d1-4d9d-83eb-cd744f57ff49","_type":"reference"},"title":"Join our Research Panel"}]},{"_key":"a2a6be9a8635","_type":"heroSection","alignment":"Text Right","brazeCustomAttributes":[{"_key":"67f0ea99eda3","_type":"brazeCustomAttribute","customAttributeKey":"Army_Registered","customAttributeValue":"true"}],"introPara":[{"_key":"2c329b713300","_type":"block","children":[{"_key":"0c24a9062019","_type":"span","marks":[],"text":"Join our Research Panel"}],"markDefs":[],"style":"h1"},{"_key":"672b6cabc1a4","_type":"block","children":[{"_key":"0616bdbc497e0","_type":"span","marks":[],"text":"Our aim is to make the world of finance more transparent and clearer to understand. To do that, we need "},{"_key":"3302b649ba84","_type":"span","marks":["em"],"text":"you "},{"_key":"bc3dd484ce7f","_type":"span","marks":[],"text":"to try things out, share your opinions, and tell us what you like. Join now, share your views and earn money in the process!"}],"markDefs":[],"style":"normal"},{"_key":"ba6596789058","_type":"dataCaptureForm","brazeCustomAttributes":[{"_key":"107edd26f870","_type":"brazeCustomAttribute","customAttributeKey":"Army_Registered","customAttributeValue":"TRUE"}],"dataCaptureInputs":[{"_key":"b6963c60830a","_type":"dataCaptureInputItem","inputFieldLabel":"Join now","inputFieldPlaceholderText":"Enter your email","inputFieldType":"Email","requiredField":true}],"linkText":"START REGISTRATION","signupRedirectLink":"/boring-money-army-new-member-survey/"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-0257851b48d343eb46fdd3cf8352218cbf8351dc-3840x2160-png","_type":"reference"}},"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"showEmailCapture":false,"styles":"Half-Padding-White","thankYouText":[{"_key":"bf44527c5651","_type":"block","children":[{"_key":"aada7930f5a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h2"}],"title":"We're on a mission!"},{"_key":"ae17bd7c3627ee07d8e89dc0d604cb72","_type":"heroSection","alignment":"Text Left","introPara":[{"_key":"68e164de91c1","_type":"block","children":[{"_key":"8cdb10a201db","_type":"span","marks":[],"text":"Our financial investment projects are conducted periodically throughout the year. Panel members are selected based on project needs, and compensation is provided at market rates."}],"markDefs":[],"style":"normal"},{"_key":"59c83fb1810c","_type":"block","children":[{"_key":"5d5676314fe1","_type":"span","marks":[],"text":"Selection for surveys depends on the information provided in your onboarding survey, including details about your investment holdings, personal circumstances, and the specific research requirements.\n\nAdditionally, we periodically host competitions. Keep an eye out for updates, as we value community input during such events."}],"markDefs":[],"style":"normal"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-1c8144ee166236b51b9e465cfb7d7823600ffb7e-1920x1080-gif","_type":"reference"}},"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"showEmailCapture":false,"styles":"Half-Padding-White","thankYouText":[{"_key":"bf44527c5651","_type":"block","children":[{"_key":"aada7930f5a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h2"}],"title":"4 steps"},{"_key":"d4cb2e98d7e9","_type":"heroSection","alignment":"Text Left","introPara":[{"_key":"757beedbcf67","_type":"block","children":[{"_key":"0cb001c1c24f","_type":"span","marks":[],"text":"As a member of our Research Panel, you will:"}],"markDefs":[],"style":"h2"},{"_key":"a0f14a78f8ae","_type":"block","children":[{"_key":"0d7ac368fd9c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ea4be68eb6ff","_type":"block","children":[{"_key":"362c1304b243","_type":"span","marks":["strong"],"text":"- Participate in surveys and interviews of varying length and time commitments to suit you"}],"markDefs":[],"style":"normal"},{"_key":"8db92efdf5fc","_type":"block","children":[{"_key":"469a26997f0f","_type":"span","marks":["strong"],"text":"- Earn market research rates for your input"}],"markDefs":[],"style":"normal"},{"_key":"d9af5dab90aa","_type":"block","children":[{"_key":"f3988462b788","_type":"span","marks":["strong"],"text":"- Help us to help financial providers do better!"}],"markDefs":[],"style":"normal"},{"_key":"b01ee0ca0d5f","_type":"block","children":[{"_key":"19542cae94a5","_type":"span","marks":["em"],"text":"*We will not share your data with any third-party organisations. Boring Money research is all carried out in line with the Market Research Society’s Code of Conduct and the General Data Protection Regulation (GDPR)."}],"markDefs":[],"style":"small"}],"mainImage":{"_type":"mainImage","alt":"Join our research panel ","asset":{"_ref":"image-cb073362bd966c54fb865f9842900bdf044c16ff-997x574-png","_type":"reference"}},"reference":{"_ref":"04249739-c1d1-4d9d-83eb-cd744f57ff49","_type":"reference"},"styles":"Half-Padding-White","title":"Join our research panel"}],"publishedAt":"2022-10-17T14:22:47.096Z","slug":{"_type":"slug","current":"the-boring-money-army-wants-you"},"subfolder":{"_id":"83495465-d1dd-4049-a955-b065009036e6","_type":"folderCategory","_rev":"JrRx5dLFvUMQ8OBF5uu6go","_createdAt":"2021-05-11T10:23:25Z","_updatedAt":"2023-08-04T11:11:48Z","description":"/","folder":"/","id":"-f6e09d1c-fce6-5f27-bf98-8d255a16b84b","children":[],"parent":null},"subtitle":"Help our financially confused nation and make a few quid","theme":"Boring Money theme","title":"Join the Boring Money Research Panel","id":"-9872e0f5-bb4e-52ef-8be4-56cb16b4cdc5","children":[],"parent":null},"mainImage":{"_type":"mainImage","asset":{"_id":"image-0257851b48d343eb46fdd3cf8352218cbf8351dc-3840x2160-png","_type":"sanity.imageAsset","_rev":"w5vHLm19hF0S5wj1e5Kd1K","_createdAt":"2023-10-19T16:16:41Z","_updatedAt":"2023-10-19T16:16:41Z","assetId":"0257851b48d343eb46fdd3cf8352218cbf8351dc","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"MXPZllNe?vo}?b~qr^NGovV?~qnmIVocRP","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.7777777777777777,"height":2160,"width":3840},"hasAlpha":true,"isOpaque":true,"lqip":"data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABQAAAALCAYAAAB/Ca1DAAAACXBIWXMAAB2HAAAdhwGP5fFlAAACz0lEQVQokU3S309TdxjH8f5ji9kyd7NkDrlwARwiiqg3KMIWN4ERF9SCUCoKYwZjJMi0Gc4NTTvkhzSMXzY01JYgLRQKbU9Pz2kP5ZRzTr/vpTDiLp7kuXrlk+f52EAgBOTzAkkSbMVAilvsRxXEchT8G4hoHLEnI8wUwpDJmwqyKbNjJpEthX1hIIoIYDsCDUMgJfeJRLKkEjpGUsMMbWG930Qk0oi8SsFIUjBkDEtDMRQS+xKqmcEU5gFYHNuRXLAEsegO89PzbIQ30dUs6dAH1JU1rOwupq6hpaLomoRp5lFUiXgyyq6eLUaC/4NFUtd1AouLuAYGeP3HS1aDQYL/ePG/nSQaibAWCjDn+ZPgu1m2YzF8cwt4x8bZiKxjGOZBqAPwv434Tpy/Rl5gb23leuN39Pf9wsvhIX5/8pjhwUF6u7tovVbH/bt2XM9HsNv7aWq6x7Pnr0gkpEOmeENZNYnraWZCczjuO7lSd4XT5eVcunyZ221tODvaudnSTO25ar784jiVpytoafmZyqrvOVFaT9stB6uhBcSuhNhOYZvyZRndnqXL+4CzjTV8VXKCktISztXWcLXxGs0/NdPecYeG+jo+PfYJpSe/prmphW/KLvDZ56e4dfNHIoFhCmsTCNc4Nu9Sllfbc9wZc3Cmvpryygqqaqq53nQDe2cHXfe6GfptiP6+Hr4tO8Wl2vP09PTQ0PgDVWcv8mtvO7EPLyhE3iJGprCpmklSV5gJzNL7sA+Hs5tORxcDjx7h+duDx+NmZsbL5JgbZ/ttHji7eT06iuuZi6eDQ0xPviEtRUBXDup1+BRAVTP4fD4mJibwuN28cbtZWlwg4PezHg6zEV5j3jvNrHea0PIyQf8SIf8S0XCYvVzu41OOCmlZFrlcDkVRiG1ushJYZmt9HVlKsqtp5PM6qpJGliQyioKSSpGWJLRMBtMs1uawh/8C7vTgoWETj+cAAAAASUVORK5CYII=","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#232740","foreground":"#fff","population":0.66,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#040a09","foreground":"#fff","population":0.77,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#934f6a","foreground":"#fff","population":3.92,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#c49c9f","foreground":"#000","population":2.15,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#ead893","foreground":"#000","population":1.8,"title":"#000"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#934f6a","foreground":"#fff","population":3.92,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#58ec73","foreground":"#000","population":0.15,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"Join the Research Panel Widget (3).png","path":"images/k8qzcdw3/prod1503/0257851b48d343eb46fdd3cf8352218cbf8351dc-3840x2160.png","sha1hash":"0257851b48d343eb46fdd3cf8352218cbf8351dc","size":3241819,"uploadId":"gruv6iiCWQwMTeUbvL4BtT9XimWM06ag","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/0257851b48d343eb46fdd3cf8352218cbf8351dc-3840x2160.png","filename":"Join the Research Panel Widget (3).png","width":3840,"height":2160,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/0257851b48d343eb46fdd3cf8352218cbf8351dc-3840x2160.png?rect=1200,0,1440,2160&w=%width%&h=%height%&q=80","id":"image-0257851b48d343eb46fdd3cf8352218cbf8351dc-3840x2160-png","children":[],"parent":null}},"title":"Join our research panel","widgetType":{"_id":"669510d5-9577-4ce3-b9f5-17a73b44c59d","_type":"widgetTypes","_rev":"DsHc46whJxIpNrcPyQeVGy","_createdAt":"2021-07-02T13:00:28Z","_updatedAt":"2021-07-02T13:00:28Z","title":"Image + text + link","id":"-cddbfca0-b9a5-5835-a5d3-c98208b12cdc","children":[],"parent":null},"id":"-f501c2f7-ff3e-5ac8-88b4-f5c5c30b9a2c","children":[],"parent":null}],"id":"-60dfb237-fbd9-55d1-8cd0-23c1852570c1","children":[],"parent":null},"text":"CLICK HERE"},{"_key":"156d3f64708a","_type":"block","children":[{"_key":"42cba361365b","_type":"span","marks":[],"text":"Best For Investment Research Award 2026 Winners"}],"markDefs":[],"style":"h2"},{"_key":"96a86cde2c40","_type":"block","children":[{"_key":"24998eac3f64","_type":"span","marks":[],"text":"Winners are listed in alphabetical order."}],"markDefs":[],"style":"normal"},{"_key":"7c6060d10c99","_type":"block","children":[{"_key":"819328711158","_type":"span","marks":["em"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4eb5fd9b742e","_type":"block","children":[{"_key":"bfdac4bae33f","_type":"span","marks":[],"text":"AJ Bell"}],"markDefs":[],"style":"h3"},{"_key":"d4018722e37e","_type":"prosConsWidget","prosTitle":"Best for: Research-backed learning and development"},{"_key":"62d74cb08eeb","_type":"recProviders","companies":[{"_id":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4Tz","_createdAt":"2021-09-22T15:39:35Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","rev":"YjNvQx4tqfWKwO39EgsuHM"}},"bestBuyAward":{"_id":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"bestBuyAward","_rev":"0FvTSp1yYRm2ugsQpTGUfg","_createdAt":"2026-01-28T13:58:18Z","_updatedAt":"2026-01-28T15:22:02Z","_system":{"base":{"id":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","rev":"XeGAzLHcGDR0dnJYGdNqKN"}},"bestBuyCompareTableLogo":{"_type":"image","asset":{"_id":"image-007140428d612ce1b60906f9b595c70495cc175b-620x136-png","_type":"sanity.imageAsset","_rev":"ofM7EIDfnwHVEh3rYtkz66","_createdAt":"2022-03-15T09:25:25Z","_updatedAt":"2022-03-15T09:25:25Z","assetId":"007140428d612ce1b60906f9b595c70495cc175b","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"DNP}kupe0:IvE4~UtlI[jYoI","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":4.5588235294117645,"height":136,"width":620},"hasAlpha":true,"isOpaque":false,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#52472f","foreground":"#fff","population":1.94,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#cc960e","foreground":"#000","population":2.45,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#da9811","foreground":"#000","population":14.3,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#8e6d0a","foreground":"#fff","population":0,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f6d87f","foreground":"#000","population":3.21,"title":"#000"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#415189","foreground":"#fff","population":0.04,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#da9811","foreground":"#000","population":14.3,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"best buy pension award.png","path":"images/k8qzcdw3/prod1503/007140428d612ce1b60906f9b595c70495cc175b-620x136.png","sha1hash":"007140428d612ce1b60906f9b595c70495cc175b","size":56862,"uploadId":"Z9Z9DaHcIX0lcYQMmmE7dL8kVsbCoRL4","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/007140428d612ce1b60906f9b595c70495cc175b-620x136.png","filename":"best buy pension award.png","width":620,"height":136,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/007140428d612ce1b60906f9b595c70495cc175b-620x136.png?rect=265,0,91,136&w=%width%&h=%height%&q=80","id":"image-007140428d612ce1b60906f9b595c70495cc175b-620x136-png","children":[],"parent":null}},"informationPage":{"_id":"fc994c15-ecef-47c1-8b6b-3f316df1f542","_type":"linkCategory","_rev":"b73D4EYENYUMU6VfEhlVZi","_createdAt":"2026-01-28T14:12:12Z","_updatedAt":"2026-01-28T14:12:25Z","description":"Best ISA 2026","url":"https://www.boringmoney.co.uk/boring-money-awards/who-is-best-stocks-and-shares-isa-provider-for-2026/","id":"-a6043f43-8502-53ed-a7bc-dbf4cc3e4ead","children":[],"parent":null},"name":"Best Buy ISA 2026","providerPageLogo":{"_type":"image","asset":{"_id":"image-5153835585a1a06339ad0537a54dfafadd68dc20-3201x3200-png","_type":"sanity.imageAsset","_rev":"0FvTSp1yYRm2ugsQpTFBhQ","_createdAt":"2026-01-28T15:20:24Z","_updatedAt":"2026-01-28T15:20:24Z","assetId":"5153835585a1a06339ad0537a54dfafadd68dc20","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"eDN,e@xH00ix00?Fj[D*WBx]4TkV00IoXpBQaf=ft7In00xuDoR*~q","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.0003125,"height":3200,"width":3201},"hasAlpha":true,"isOpaque":false,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#26253f","foreground":"#fff","population":10.83,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#a06004","foreground":"#fff","population":0,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#26253f","foreground":"#fff","population":10.83,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#b7b7c3","foreground":"#000","population":0.52,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#fc64b4","foreground":"#000","population":0,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#7f7145","foreground":"#fff","population":0.07,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f0125f","foreground":"#fff","population":2.29,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"Best Buy ISA.png","path":"images/k8qzcdw3/prod1503/5153835585a1a06339ad0537a54dfafadd68dc20-3201x3200.png","sha1hash":"5153835585a1a06339ad0537a54dfafadd68dc20","size":638609,"uploadId":"E74CshsJAueuYRP8C9S80PqOddDGPjbI","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/5153835585a1a06339ad0537a54dfafadd68dc20-3201x3200.png","filename":"Best Buy ISA.png","width":3201,"height":3200,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/5153835585a1a06339ad0537a54dfafadd68dc20-3201x3200.png?rect=535,0,2133,3200&w=%width%&h=%height%&q=80","id":"image-5153835585a1a06339ad0537a54dfafadd68dc20-3201x3200-png","children":[],"parent":null}},"id":"-aa88658f-6979-553e-ae78-03d471c74923","children":[],"parent":null},"bestBuyAwardVisible":{"_id":"b0e152d6-2c69-4b10-8fba-28572e0ec00f","_type":"bestBuyAward","_rev":"egjFlmBQLSmNMJppSTkDNo","_createdAt":"2022-09-06T14:47:27Z","_updatedAt":"2022-10-03T12:57:15Z","name":"ISA rated by Visible","providerPageLogo":{"_type":"image","asset":{"_id":"image-0a57ebd908fb84222354e55def54e40a0b6cc306-3840x2160-png","_type":"sanity.imageAsset","_rev":"egjFlmBQLSmNMJppSTk1QN","_createdAt":"2022-10-03T12:57:04Z","_updatedAt":"2022-10-03T12:57:04Z","assetId":"0a57ebd908fb84222354e55def54e40a0b6cc306","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"MTE{Fet600M|.Ax^j[M^ayt8RdWXXDobxT","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.7777777777777777,"height":2160,"width":3840},"hasAlpha":true,"isOpaque":false,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#36374c","foreground":"#fff","population":0.12,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#451404","foreground":"#fff","population":0.01,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#6362f6","foreground":"#fff","population":6.96,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#ccacc4","foreground":"#000","population":0,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#6362f6","foreground":"#fff","population":6.96,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#6b69a8","foreground":"#fff","population":0.29,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#5c44f4","foreground":"#fff","population":0.01,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"best logo.png","path":"images/k8qzcdw3/prod1503/0a57ebd908fb84222354e55def54e40a0b6cc306-3840x2160.png","sha1hash":"0a57ebd908fb84222354e55def54e40a0b6cc306","size":357747,"uploadId":"hGkaP0nITHP2f33HZ2ejKsYNR5OWPeIV","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/0a57ebd908fb84222354e55def54e40a0b6cc306-3840x2160.png","filename":"best logo.png","width":3840,"height":2160,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/0a57ebd908fb84222354e55def54e40a0b6cc306-3840x2160.png?rect=1200,0,1440,2160&w=%width%&h=%height%&q=80","id":"image-0a57ebd908fb84222354e55def54e40a0b6cc306-3840x2160-png","children":[],"parent":null}},"id":"-83984716-1549-5ab7-85af-49f120ab5551","children":[],"parent":null},"bestBuyType":"ISA","companyBBCats":["DIY","BIGBRAND"],"companyDisplayName":"AJ Bell ","companyLogo":{"_type":"mainImage","alt":"AJ Bell","asset":{"_id":"image-ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080-jpg","_type":"sanity.imageAsset","_rev":"YyKAMdtTUUtpI3N1EPsP2Y","_createdAt":"2022-11-03T11:09:04Z","_updatedAt":"2022-11-03T11:09:04Z","assetId":"ba6b86859eb77ea1543666422f6b957e0e025fb6","extension":"jpg","metadata":{"_type":"sanity.imageMetadata","blurHash":"eKSs1[$+xatRkWxuayayj[fk_NN[NGjZaKtRofkCayf68_spt7bHoz","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1,"height":1080,"width":1080},"hasAlpha":false,"isOpaque":true,"lqip":"data:image/jpeg;base64,/9j/2wBDAAYEBQYFBAYGBQYHBwYIChAKCgkJChQODwwQFxQYGBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0oMCUoKSj/2wBDAQcHBwoIChMKChMoGhYaKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCj/wAARCAAUABQDASIAAhEBAxEB/8QAGQABAAIDAAAAAAAAAAAAAAAAAAIFBAYI/8QAJBAAAgEDAwMFAAAAAAAAAAAAAQIAAwQRBQYxEhMhFEFRgZH/xAAVAQEBAAAAAAAAAAAAAAAAAAAAAv/EABgRAQADAQAAAAAAAAAAAAAAAAABAhES/9oADAMBAAIRAxEAPwDqUVqRcoKi9Q5GfIkg6k4DDPxmUV7t83WrVLwXDUg1Pt9CePszEG2rs3He9eyODyvuIXeKxnM62kMp4I/YlLY6NVtqTIblnyxbJiELuIiAiIgf/9k=","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#36333d","foreground":"#fff","population":1.42,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#91253e","foreground":"#fff","population":0.1,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#36333d","foreground":"#fff","population":1.42,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#dabcca","foreground":"#000","population":0.31,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#fc447c","foreground":"#fff","population":0,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#828287","foreground":"#fff","population":0.18,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#ce0a37","foreground":"#fff","population":1.32,"title":"#fff"}}},"mimeType":"image/jpeg","originalFilename":"AJ bell white.jpg","path":"images/k8qzcdw3/prod1503/ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080.jpg","sha1hash":"ba6b86859eb77ea1543666422f6b957e0e025fb6","size":157404,"uploadId":"6nuzqUS7RoafdAIbvOQHmgU6dNizvdtZ","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080.jpg","filename":"AJ bell white.jpg","width":1080,"height":1080,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080.jpg?rect=180,0,720,1080&w=%width%&h=%height%&q=80","id":"image-ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080-jpg","children":[],"parent":null}},"companyName":"ISA AJ Bell ","comparisonCriteria":[{"_key":"5b3b66167a58","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:15:44Z","_updatedAt":"2022-01-25T13:15:44Z","name":"Description","order":0,"id":"-38df3451-8e56-55e9-874e-016872a907c4","children":[],"parent":null},"text":[{"_key":"625d03981542","_type":"block","children":[{"_key":"925c3f750328","_type":"span","marks":[],"text":"AJ Bell Youinvest is a low-cost option for people who are comfortable with investing. There are loads of investment options – including individual shares and funds."}],"markDefs":[],"style":"normal"}]},{"_key":"cf69445630dc","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-03-08T15:16:10Z","_updatedAt":"2022-03-08T15:16:10Z","name":"Investment choice","order":1,"id":"-35e5c77c-56b4-5ac5-9bd3-ddda2a3e72b4","children":[],"parent":null},"text":[{"_key":"835d385ebf4e","_type":"block","children":[{"_key":"694229e5ce4d","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"3dfd64229d89","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-03-07T13:26:21Z","_updatedAt":"2022-03-08T15:17:51Z","name":"All-inclusive charge","order":2,"id":"-d8b65ff4-87ca-56d5-bf47-0840c0d8b574","children":[],"parent":null},"text":[{"_key":"10139c683a66","_type":"block","children":[{"_key":"144d309be63a","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"e48fae2e551a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:16:03Z","_updatedAt":"2022-03-08T15:18:02Z","name":"Platform fees","order":3,"id":"-a94dc12e-f05a-57ed-9dba-dfabb438ba56","children":[],"parent":null},"text":[{"_key":"c14096adcb85","_type":"block","children":[{"_key":"52497a298a11","_type":"span","marks":[],"text":"Funds: 0.25%"}],"markDefs":[],"style":"normal"},{"_key":"22c2c4527516","_type":"block","children":[{"_key":"9f269d0c58f1","_type":"span","marks":[],"text":"Shares: 0.25% (maximum £3.50 per month)"}],"markDefs":[],"style":"normal"}]},{"_key":"2f9d81a493c3","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T09:49:24Z","_updatedAt":"2022-03-08T15:18:13Z","name":"Trading fees","order":4,"id":"-24808855-dffe-557d-be7b-79d866ba8558","children":[],"parent":null},"text":[{"_key":"020ebd6985a5","_type":"block","children":[{"_key":"36e6ef610196","_type":"span","marks":[],"text":"Funds: £1.50"}],"markDefs":[],"style":"normal"},{"_key":"5a832c25a673","_type":"block","children":[{"_key":"924915d1fb92","_type":"span","marks":[],"text":"Shares: £9.95 (where there were 10 or more deals in the previous month: £4.95)"}],"markDefs":[],"style":"normal"}]},{"_key":"958c2e4fb84f","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:16:14Z","_updatedAt":"2022-03-08T15:18:22Z","name":"Foreign exchange fees","order":5,"id":"-bf4bc988-ff22-50e7-83f8-4536fb061bdc","children":[],"parent":null},"text":[{"_key":"00ceae9988aa","_type":"block","children":[{"_key":"98cfce9054c1","_type":"span","marks":[],"text":"1% (for the first £10k)"}],"markDefs":[],"style":"normal"},{"_key":"cf57942305b8","_type":"block","children":[{"_key":"1ec042ad50d0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"3c34be707ddc","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:16:25Z","_updatedAt":"2022-03-08T15:18:31Z","name":"Junior ISA","order":6,"id":"-6a12e7e7-0545-5f60-8e45-5d13c0488a76","children":[],"parent":null},"text":[{"_key":"f9be8b1879bd","_type":"block","children":[{"_key":"8a39ff7d970f","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"90bec717d421","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:16:35Z","_updatedAt":"2022-03-08T15:18:43Z","name":"Lifetime ISA","order":7,"id":"-c375cc5c-0202-57dd-b6de-ca54830a46e9","children":[],"parent":null},"text":[{"_key":"468b1367d41a","_type":"block","children":[{"_key":"de1e2405d65c","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"97a68de34db5","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:16:43Z","_updatedAt":"2022-03-08T15:18:58Z","name":"GIA","order":8,"id":"-b134b2bd-0ad0-5f13-b60a-37238000aea8","children":[],"parent":null},"text":[{"_key":"454d5721f9b5","_type":"block","children":[{"_key":"2cf9eb6f123b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"0ac9398006bb","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:17:01Z","_updatedAt":"2022-03-08T15:19:13Z","name":"SIPP","order":9,"id":"-1463cd6f-f666-5df3-8f4c-0df6310b6764","children":[],"parent":null},"text":[{"_key":"2c771a0586be","_type":"block","children":[{"_key":"a5b40fb5ba7a","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"1206fede535a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:17:08Z","_updatedAt":"2022-03-08T15:19:24Z","name":"Shares","order":10,"id":"-7b24847c-9a26-5ee3-acbd-6fcaff5a91f1","children":[],"parent":null},"text":[{"_key":"10c3b0e42e84","_type":"block","children":[{"_key":"66e8a836fee6","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"b5874d07c16c","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:17:19Z","_updatedAt":"2022-03-08T15:19:32Z","name":"Funds","order":11,"id":"-313d7cf7-1e77-5066-8ebe-b1bc735b4f8d","children":[],"parent":null},"text":[{"_key":"758cdedbc8ad","_type":"block","children":[{"_key":"253bdf76e1ea","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"12bbfe1f847b","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:18:00Z","_updatedAt":"2022-03-08T15:19:41Z","name":"ETFs","order":12,"id":"-0dbd4d0a-229a-543f-9101-b050ef6c26ea","children":[],"parent":null},"text":[{"_key":"713ce4f4504a","_type":"block","children":[{"_key":"6d149843cc60","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"a8e74482753e","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:18:02Z","_updatedAt":"2022-03-08T15:19:50Z","name":"Investment trusts","order":13,"id":"-2cfa5419-4c90-52e8-9ae7-568d8e56d104","children":[],"parent":null},"text":[{"_key":"0e5d65f16c1a","_type":"block","children":[{"_key":"0e670213f7b1","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"22120EF3-6F72-4AF4-9DB1-1B4593236051","inANutshell":["Low cost","May be complex for beginners","Good investment ideas and content"],"mostPopularRank":1,"noOfReviews":"1713","ourRating":"9","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_id":"5a480dd3-c7ab-4c8b-984a-3de0046c41e8","_type":"linkCategory","_rev":"vIm9lhvf1eHBOprglWgSpR","_createdAt":"2021-09-30T09:59:44Z","_updatedAt":"2025-08-29T15:58:13Z","_system":{"base":{"id":"5a480dd3-c7ab-4c8b-984a-3de0046c41e8","rev":"guBcY84kuKMfbgZSFDkOMZ"}},"affiliateLink":true,"description":"Affiliate UTM AJ BELL ISA\n\n\nbraze-user-id replaced wherever it is in URL\nhttps://www.ajbell.co.uk/isa-affiliate?utm_source=boringmoney.co.uk&utm_medium=affiliates&utm_campaign=isa&SSKEY=f1986fa8a31947ec9b453c47b2a2f461&dclid=CJeB_L2P_oQDFTwkBgAd-poMCw","url":"https://clk.omgt1.com/?PID=9933&AID=2133228","id":"-82b9d58d-4529-5e49-985c-2840b3ad2dbb","children":[],"parent":null},"reviewReference":{"_id":"1dbcb796-5201-4542-a5fd-e9d2d02257e5","_type":"information","_rev":"2RlbKxeFZqpYApAqPGOo09","_createdAt":"2021-08-30T10:22:08Z","_updatedAt":"2026-03-19T15:21:56Z","_system":{"base":{"id":"1dbcb796-5201-4542-a5fd-e9d2d02257e5","rev":"4lXD1QprlKmqniOHag4Vg8"}},"authors":[{"_key":"662e6f97303e","_type":"personReference","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"people","_rev":"n54XUON695cO06xFcT7KHi","_createdAt":"2021-07-16T15:41:47Z","_updatedAt":"2026-04-16T00:00:29Z","_system":{"base":{"id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","rev":"1XrksDlMkoAPinyrcm2t9G"}},"answeredQuestionsRank":252,"averageRating":0,"bio":[{"_key":"bf1f1c58fef9","_type":"block","children":[{"_key":"97ba1f193b22","_type":"span","marks":[],"text":"Boring Money is an independent company founded in 2015 to make investing, saving and financial planning accessible for everyday people without a PhD in finance. "}],"markDefs":[],"style":"normal"},{"_key":"529bed96fa8e","_type":"block","children":[{"_key":"46347ea68efb","_type":"span","marks":[],"text":"Led by industry veteran "},{"_key":"d6819d3bfe17","_type":"span","marks":["12ac5536ccfd"],"text":"Holly Mackay"},{"_key":"00f260fdccf0","_type":"span","marks":[],"text":" with over 24 years' experience, Boring Money's mission is to demystify savings, investments, and pensions. We help consumers with educational content, research, and user-friendly tips - all without the confusing technical jargon!"}],"markDefs":[{"_key":"12ac5536ccfd","_type":"link","href":"https://www.boringmoney.co.uk/advisers/holly-mackay/"}],"style":"normal"},{"_key":"dbb1c5ff82a3","_type":"block","children":[{"_key":"a9b296baf5d3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8a06e569aa6a","_type":"prosConsWidget","cons":["Confusing industry jargon!"],"consTitle":"Dislikes:","pros":["Making money make sense"],"prosTitle":"Likes:"},{"_key":"04271e0685d4","_type":"block","children":[{"_key":"a68362f24eb7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3e82861a3b80","_type":"block","children":[{"_key":"0f6b76e2f7e6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7f1e7a776f24","_type":"block","children":[{"_key":"44781b4aa451","_type":"span","marks":["em"],"text":"Boring Money is not a regulated financial advice firm. We provide generic information to help you understand your options. We make money from sponsorship, advertising, and referral fees - all transparently disclosed "},{"_key":"8f2d6d572758","_type":"span","marks":["em","a3db01606b86"],"text":"here"},{"_key":"07c6279db2e5","_type":"span","marks":["em"],"text":"."}],"markDefs":[{"_key":"a3db01606b86","_type":"link","href":"https://www.boringmoney.co.uk/how-we-make-money/"}],"style":"normal"}],"categories":[{"_key":"5577aff62e48","_ref":"976f2dc9-ded3-47fc-bc52-bd928767a578","_type":"reference"}],"dashboardId":"b3cf6703-691d-4826-9ddc-762eeb58c289","dateAnsweredRank":88,"email":"community@boringmoney.co.uk","excerpt":[{"_key":"e8edde7ba304","_type":"block","children":[{"_key":"ffba4fdcab87","_type":"span","marks":[],"text":"This is a Boring Money Advice admin page. This adviser directory allows you to browse trusted, vetted financial advisers. Enter your location or use the advanced filters to find the perfect match."}],"markDefs":[],"style":"normal"}],"hideFeeStructure":true,"image":{"_type":"mainImage","alt":"Boring Money","asset":{"_ref":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg","_type":"reference"},"blankAltTag":true,"caption":"Boring Money","crop":{"_type":"sanity.imageCrop","bottom":0,"left":0.10897435897435898,"right":0.1217948717948718,"top":0},"hotspot":{"_type":"sanity.imageHotspot","height":1,"width":0.7628205128205129,"x":0.49679487179487175,"y":0.5}},"location":{"_ref":"6647e624-276a-461e-84a8-f8e62eb9143e","_type":"reference"},"name":"Boring Money","numberOfLikes":1828,"numberOfRatings":0,"publishedAt":"2026-01-20T13:29:05.059Z","showAdviser":false,"slug":{"_type":"slug","current":"boring-money"},"specialisations":[{"_key":"d3e41a6fbb34","_ref":"4807983c-8f5a-49f7-83bd-fcc53e0f81e8","_type":"reference"}],"summary":[{"_key":"8ab6b22d9f47","_type":"block","children":[{"_key":"aa17690f4230","_type":"span","marks":[],"text":"Here to help you understand your options and make smart money choices."}],"markDefs":[],"style":"normal"}],"id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","children":[],"parent":null}}],"authorsText":[{"_key":"00eff1456ec5","_type":"block","children":[{"_key":"f3e7bbe6b4a3","_type":"span","marks":[],"text":"Written by "},{"_key":"902361b6c17b","_type":"span","marks":["554cc5821090"],"text":"Boring Money"}],"markDefs":[{"_key":"554cc5821090","_type":"internalLinkPick","blank":true,"reference":{"_ref":"d303d967-e483-4761-b7bf-65760d5b1b66","_type":"reference"}}],"style":"normal"}],"body":[{"_key":"64d883e5b037","_type":"providerHeaderWidget","company":{"_id":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4Tz","_createdAt":"2021-09-22T15:39:35Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","rev":"YjNvQx4tqfWKwO39EgsuHM"}},"bestBuyAward":{"_ref":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"reference"},"bestBuyAwardVisible":{"_ref":"b0e152d6-2c69-4b10-8fba-28572e0ec00f","_type":"reference"},"bestBuyType":"ISA","companyBBCats":["DIY","BIGBRAND"],"companyDisplayName":"AJ Bell ","companyLogo":{"_type":"mainImage","alt":"AJ Bell","asset":{"_ref":"image-ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080-jpg","_type":"reference"}},"companyName":"ISA AJ Bell ","comparisonCriteria":[{"_key":"5b3b66167a58","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"625d03981542","_type":"block","children":[{"_key":"925c3f750328","_type":"span","marks":[],"text":"AJ Bell Youinvest is a low-cost option for people who are comfortable with investing. There are loads of investment options – including individual shares and funds."}],"markDefs":[],"style":"normal"}]},{"_key":"cf69445630dc","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"835d385ebf4e","_type":"block","children":[{"_key":"694229e5ce4d","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"3dfd64229d89","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"10139c683a66","_type":"block","children":[{"_key":"144d309be63a","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"e48fae2e551a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"c14096adcb85","_type":"block","children":[{"_key":"52497a298a11","_type":"span","marks":[],"text":"Funds: 0.25%"}],"markDefs":[],"style":"normal"},{"_key":"22c2c4527516","_type":"block","children":[{"_key":"9f269d0c58f1","_type":"span","marks":[],"text":"Shares: 0.25% (maximum £3.50 per month)"}],"markDefs":[],"style":"normal"}]},{"_key":"2f9d81a493c3","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"020ebd6985a5","_type":"block","children":[{"_key":"36e6ef610196","_type":"span","marks":[],"text":"Funds: £1.50"}],"markDefs":[],"style":"normal"},{"_key":"5a832c25a673","_type":"block","children":[{"_key":"924915d1fb92","_type":"span","marks":[],"text":"Shares: £9.95 (where there were 10 or more deals in the previous month: £4.95)"}],"markDefs":[],"style":"normal"}]},{"_key":"958c2e4fb84f","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"00ceae9988aa","_type":"block","children":[{"_key":"98cfce9054c1","_type":"span","marks":[],"text":"1% (for the first £10k)"}],"markDefs":[],"style":"normal"},{"_key":"cf57942305b8","_type":"block","children":[{"_key":"1ec042ad50d0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"3c34be707ddc","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"f9be8b1879bd","_type":"block","children":[{"_key":"8a39ff7d970f","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"90bec717d421","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"468b1367d41a","_type":"block","children":[{"_key":"de1e2405d65c","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"97a68de34db5","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"454d5721f9b5","_type":"block","children":[{"_key":"2cf9eb6f123b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"0ac9398006bb","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"2c771a0586be","_type":"block","children":[{"_key":"a5b40fb5ba7a","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"1206fede535a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"10c3b0e42e84","_type":"block","children":[{"_key":"66e8a836fee6","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"b5874d07c16c","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"758cdedbc8ad","_type":"block","children":[{"_key":"253bdf76e1ea","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"12bbfe1f847b","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"713ce4f4504a","_type":"block","children":[{"_key":"6d149843cc60","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"a8e74482753e","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"0e5d65f16c1a","_type":"block","children":[{"_key":"0e670213f7b1","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"22120EF3-6F72-4AF4-9DB1-1B4593236051","inANutshell":["Low cost","May be complex for beginners","Good investment ideas and content"],"mostPopularRank":1,"noOfReviews":"1713","ourRating":"9","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"5a480dd3-c7ab-4c8b-984a-3de0046c41e8","_type":"reference"},"reviewReference":{"_ref":"1dbcb796-5201-4542-a5fd-e9d2d02257e5","_type":"reference"},"showBBTable":true,"wouldRecommendRating":87.84,"yourRating":"8","id":"-bd819082-deff-5ec0-8103-7d9917a63743","children":[],"parent":null}},{"_key":"fa1b3a048ea6","_type":"anchorMenuMobile","title":"Menu"},{"_key":"c439a6669519","_type":"block","children":[{"_key":"3425011d0160","_type":"span","marks":[],"text":""},{"_key":"3eeb323c92af","_type":"mainAnchor","pageAnchor":{"_ref":"be67f70a-2e31-4e77-9282-6784550f85ce","_type":"reference"}},{"_key":"1edc41c1b5ca","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f6a28598db68","_type":"ourRatingWidget","company":{"_id":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4Tz","_createdAt":"2021-09-22T15:39:35Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","rev":"YjNvQx4tqfWKwO39EgsuHM"}},"bestBuyAward":{"_ref":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"reference"},"bestBuyAwardVisible":{"_ref":"b0e152d6-2c69-4b10-8fba-28572e0ec00f","_type":"reference"},"bestBuyType":"ISA","companyBBCats":["DIY","BIGBRAND"],"companyDisplayName":"AJ Bell ","companyLogo":{"_type":"mainImage","alt":"AJ Bell","asset":{"_ref":"image-ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080-jpg","_type":"reference"}},"companyName":"ISA AJ Bell ","comparisonCriteria":[{"_key":"5b3b66167a58","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"625d03981542","_type":"block","children":[{"_key":"925c3f750328","_type":"span","marks":[],"text":"AJ Bell Youinvest is a low-cost option for people who are comfortable with investing. There are loads of investment options – including individual shares and funds."}],"markDefs":[],"style":"normal"}]},{"_key":"cf69445630dc","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"835d385ebf4e","_type":"block","children":[{"_key":"694229e5ce4d","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"3dfd64229d89","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"10139c683a66","_type":"block","children":[{"_key":"144d309be63a","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"e48fae2e551a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"c14096adcb85","_type":"block","children":[{"_key":"52497a298a11","_type":"span","marks":[],"text":"Funds: 0.25%"}],"markDefs":[],"style":"normal"},{"_key":"22c2c4527516","_type":"block","children":[{"_key":"9f269d0c58f1","_type":"span","marks":[],"text":"Shares: 0.25% (maximum £3.50 per month)"}],"markDefs":[],"style":"normal"}]},{"_key":"2f9d81a493c3","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"020ebd6985a5","_type":"block","children":[{"_key":"36e6ef610196","_type":"span","marks":[],"text":"Funds: £1.50"}],"markDefs":[],"style":"normal"},{"_key":"5a832c25a673","_type":"block","children":[{"_key":"924915d1fb92","_type":"span","marks":[],"text":"Shares: £9.95 (where there were 10 or more deals in the previous month: £4.95)"}],"markDefs":[],"style":"normal"}]},{"_key":"958c2e4fb84f","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"00ceae9988aa","_type":"block","children":[{"_key":"98cfce9054c1","_type":"span","marks":[],"text":"1% (for the first £10k)"}],"markDefs":[],"style":"normal"},{"_key":"cf57942305b8","_type":"block","children":[{"_key":"1ec042ad50d0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"3c34be707ddc","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"f9be8b1879bd","_type":"block","children":[{"_key":"8a39ff7d970f","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"90bec717d421","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"468b1367d41a","_type":"block","children":[{"_key":"de1e2405d65c","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"97a68de34db5","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"454d5721f9b5","_type":"block","children":[{"_key":"2cf9eb6f123b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"0ac9398006bb","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"2c771a0586be","_type":"block","children":[{"_key":"a5b40fb5ba7a","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"1206fede535a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"10c3b0e42e84","_type":"block","children":[{"_key":"66e8a836fee6","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"b5874d07c16c","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"758cdedbc8ad","_type":"block","children":[{"_key":"253bdf76e1ea","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"12bbfe1f847b","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"713ce4f4504a","_type":"block","children":[{"_key":"6d149843cc60","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"a8e74482753e","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"0e5d65f16c1a","_type":"block","children":[{"_key":"0e670213f7b1","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"22120EF3-6F72-4AF4-9DB1-1B4593236051","inANutshell":["Low cost","May be complex for beginners","Good investment ideas and content"],"mostPopularRank":1,"noOfReviews":"1713","ourRating":"9","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"5a480dd3-c7ab-4c8b-984a-3de0046c41e8","_type":"reference"},"reviewReference":{"_ref":"1dbcb796-5201-4542-a5fd-e9d2d02257e5","_type":"reference"},"showBBTable":true,"wouldRecommendRating":87.84,"yourRating":"8","id":"-bd819082-deff-5ec0-8103-7d9917a63743","children":[],"parent":null}},{"_key":"b11941ec1ce8","_type":"block","children":[{"_key":"023ca6f3bc78","_type":"span","marks":[],"text":""},{"_key":"5b929bdbe8ed","_type":"mainAnchor","pageAnchor":{"_ref":"e17eb14a-5082-4a31-911c-e8cf2665fa72","_type":"reference"}},{"_key":"2805d9920419","_type":"span","marks":[],"text":"Investment expert’s opinion "}],"markDefs":[],"style":"h2"},{"_key":"f46d48a93aac","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money*","photo":{"_type":"mainImage","alt":"Image of Holly Mackay","asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png","_type":"sanity.imageAsset","_rev":"EVYa7nA0qBiAndAE5Leity","_createdAt":"2024-03-25T14:37:42Z","_updatedAt":"2024-03-25T14:37:42Z","assetId":"49f2f4be80aef425b39216dcbcd6887d25de2c97","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"ePHIjW];:=sCxt}Za{I:S2OUV[NaXQoejGV[spt6WoWBaeWVX7oLe:","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1,"height":1080,"width":1080},"hasAlpha":true,"isOpaque":true,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#634336","foreground":"#fff","population":4.23,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#b40689","foreground":"#fff","population":0.53,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#ab8373","foreground":"#fff","population":4.72,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#ab8373","foreground":"#fff","population":4.72,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#d1a698","foreground":"#000","population":3.28,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#9a665c","foreground":"#fff","population":1.1,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#dc049c","foreground":"#fff","population":0,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"holly.png","path":"images/k8qzcdw3/prod1503/49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080.png","sha1hash":"49f2f4be80aef425b39216dcbcd6887d25de2c97","size":1570960,"uploadId":"N3HsKDAuFp3bTES7YCIYSvLDM6y3Dqcl","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080.png","filename":"holly.png","width":1080,"height":1080,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080.png?rect=180,0,720,1080&w=%width%&h=%height%&q=80","id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png","children":[],"parent":null}},"quote":[{"_key":"491aec6c28f2","_type":"block","children":[{"_key":"a772802cbb48","_type":"span","marks":[],"text":"AJ Bell is a good all-rounder and consistently competitive on price. There is a lot of choice which will satisfy most, although beginners might find it more challenging to sift through the fund research."}],"markDefs":[],"style":"normal"}]},{"_key":"ec097914cd61","_type":"block","children":[{"_key":"eb044f6430fb","_type":"span","marks":["em"],"text":"*This is the view of investment expert Holly Mackay based on her first-hand customer experience as a test account holder. This does not constitute regulated advice. You can read more about Holly's investments "},{"_key":"8c3ddff4801f","_type":"span","marks":["em","d4936de4e301"],"text":"here"},{"_key":"478850336ce9","_type":"span","marks":["em"],"text":"."}],"markDefs":[{"_key":"d4936de4e301","_type":"internalLinkPick","reference":{"_ref":"6dff6a49-b6ac-46cf-abed-819cb7486e2d","_type":"reference"}}],"style":"small"},{"_key":"cd81258ffe67","_type":"block","children":[{"_key":"1d64f7bad2b1","_type":"span","marks":[],"text":""},{"_key":"68b08e5cad2e","_type":"mainAnchor","pageAnchor":{"_ref":"522348ce-ba06-4d6e-9a76-bf943875d0cf","_type":"reference"}},{"_key":"3ca092daee7f","_type":"span","marks":[],"text":"Who is AJ Bell?"}],"markDefs":[],"style":"h2"},{"_key":"160d2f72dd36","_type":"block","children":[{"_key":"f7921e700da30","_type":"span","marks":[],"text":"Founded in 1995, AJ Bell is one of the largest investment platforms in the UK. It manages assets worth over £103.3 billion and has over 670,000 customers. It was publicly listed on the London Stock Exchange in 2019 and is included in the FTSE 250 index. At the heart of AJ Bell’s business is its core purpose - ”we help people to invest” - which it says drives its commitment to ease of use, good value and a wide range of investment options."}],"markDefs":[],"style":"normal"},{"_key":"8cea4f2ed50d","_type":"textboxWidget","text":[{"_key":"47fb3226d40a","_type":"block","children":[{"_key":"3a75c71565690","_type":"span","marks":["strong"],"text":"AJ Bell won the following at Boring Money’s Best Buy Awards in 2025:"}],"markDefs":[],"style":"normal"},{"_key":"98175e1176d6","_type":"block","children":[{"_key":"e0561a87427b","_type":"span","marks":[],"text":"🏆 "},{"_key":"2ed6fffa6b61","_type":"span","marks":["2c558b98dee0"],"text":"Best Buy ISA "}],"markDefs":[{"_key":"2c558b98dee0","_type":"internalLinkPick","reference":{"_ref":"2ad629d9-20cb-4c7a-baa9-ff52494a3b0d","_type":"reference"}}],"style":"normal"},{"_key":"e1b3ce601995","_type":"block","children":[{"_key":"fc8420be6129","_type":"span","marks":[],"text":"🏆 "},{"_key":"1a88e02da92c","_type":"span","marks":["cbaef7e6a0ad"],"text":"Best Buy Pension "}],"markDefs":[{"_key":"cbaef7e6a0ad","_type":"internalLinkPick","reference":{"_ref":"41b7c255-2a4e-415c-bc4e-74bc27a97f1e","_type":"reference"}}],"style":"normal"},{"_key":"27975b7dbbac","_type":"block","children":[{"_key":"7328726e2346","_type":"span","marks":[],"text":"🏆 "},{"_key":"54d8a003f1fc","_type":"span","marks":["94d71ed02eec"],"text":"Best Buy LISA "}],"markDefs":[{"_key":"94d71ed02eec","_type":"internalLinkPick","reference":{"_ref":"7751737d-084c-4a55-9046-e35ea8792d3c","_type":"reference"}}],"style":"normal"},{"_key":"f711d24f959a","_type":"block","children":[{"_key":"21d7be02b284","_type":"span","marks":[],"text":"🏆"},{"_key":"992d954dc539","_type":"span","marks":["64168a34ce7c"],"text":" Best for Low-Cost ISA Funds & Shares"}],"markDefs":[{"_key":"64168a34ce7c","_type":"internalLinkPick","reference":{"_ref":"49d5fee0-7d2a-4e49-8c59-9a828e411268","_type":"reference"}}],"style":"normal"},{"_key":"13f98292db1d","_type":"block","children":[{"_key":"2bde2306d11d","_type":"span","marks":[],"text":"🏆 "},{"_key":"a58be69bfdc3","_type":"span","marks":["2f316a59d117"],"text":"Best for Low-Cost Pension<50k"}],"markDefs":[{"_key":"2f316a59d117","_type":"internalLinkPick","reference":{"_ref":"6b117d65-8d5f-4b41-ab76-72ad931731a5","_type":"reference"}}],"style":"normal"},{"_key":"09ed1287e86f","_type":"block","children":[{"_key":"8eaf5768b375","_type":"span","marks":[],"text":"🏆 "},{"_key":"fab4481a1ddd","_type":"span","marks":["e1d5351046e1"],"text":"Best for Customer Service"}],"markDefs":[{"_key":"e1d5351046e1","_type":"internalLinkPick","reference":{"_ref":"76a171af-4523-416f-8eb9-6df7272d8c2d","_type":"reference"}}],"style":"normal"},{"_key":"8b5cf4e9d9f8","_type":"block","children":[{"_key":"3999e59fe48c","_type":"span","marks":[],"text":"🏆 "},{"_key":"ba00caf7971b","_type":"span","marks":["8fb40243f584"],"text":"Best for Investment Trusts"}],"markDefs":[{"_key":"8fb40243f584","_type":"internalLinkPick","reference":{"_ref":"9339412f-84fd-40d7-a922-576b8369e6ce","_type":"reference"}}],"style":"normal"},{"_key":"7deaeda4f432","_type":"block","children":[{"_key":"bf668e0162f1","_type":"span","marks":[],"text":"🏆 "},{"_key":"34f78521c5fb","_type":"span","marks":["45629fce6358"],"text":"Best for Investment Research"}],"markDefs":[{"_key":"45629fce6358","_type":"internalLinkPick","reference":{"_ref":"df3d4346-4cfc-4a90-8bfa-1a9016dcd649","_type":"reference"}}],"style":"normal"},{"_key":"7c20272c6fd6","_type":"block","children":[{"_key":"c5fe4ca759e1","_type":"span","marks":[],"text":"🌟"},{"_key":"5bd19ccf9baf","_type":"span","marks":["cade2f145973"],"text":"Value for Money"}],"markDefs":[{"_key":"cade2f145973","_type":"internalLinkPick","reference":{"_ref":"761488e4-e055-4464-95fb-bca84ca22570","_type":"reference"}}],"style":"normal"},{"_key":"4cd2f39b891d","_type":"block","children":[{"_key":"e3d4f4cb9d18","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"af75522b47a0","_type":"block","children":[{"_key":"201bed69bead","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"466052c7177a","_type":"block","children":[{"_key":"a76f78c8b546","_type":"span","marks":[],"text":""},{"_key":"cf4a919a7105","_type":"mainAnchor","pageAnchor":{"_ref":"cf6f26cf-1a25-40c6-b9bc-7eea852a160b","_type":"reference"}},{"_key":"bae5cf7f504d","_type":"span","marks":[],"text":"Who is AJ Bell good for?"}],"markDefs":[],"style":"h2"},{"_key":"eb8a267e8cab","_type":"block","children":[{"_key":"aa5e4440fb230","_type":"span","marks":[],"text":"One of the best options in the UK, this service is suited for people with a little experience, providing lots of supporting information and guidance to support learning and increasingly confident decision-making. Costs are very reasonable and the support for beginners with ambitions to learn makes it a good option for aspiring investors. Not for those who prefer to take a back seat and do the bare minimum though. In terms of charges, AJ Bell is cheap for large portfolios, with no platform fees above £500k, and relatively cheap for smaller portfolios. Plus there’s a wide range of investments to choose from."}],"markDefs":[],"style":"normal"},{"_key":"a2e23ac8ba9b","_type":"block","children":[{"_key":"5be70b761b79","_type":"span","marks":[],"text":""},{"_key":"8303a060a9bb","_type":"mainAnchor","pageAnchor":{"_ref":"68a2740c-2fdd-48f2-a439-70e9257fa1dc","_type":"reference"}},{"_key":"a3998b3e87df","_type":"span","marks":[],"text":"Pros and cons"}],"markDefs":[],"style":"h2"},{"_key":"03d073889ac7","_type":"prosConsWidget","cons":["May be too complex for beginners","User experience isn’t as smooth as some competitors","£1.50 charge to buy and sell funds which will annoy frequent traders"],"consTitle":"Cons","pros":["Good range and choice ","Good supporting research and content","Reasonably priced "],"prosTitle":"Pros"},{"_key":"3c092e679d2d","_type":"block","children":[{"_key":"1e28c3d922e6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a9791f0c84da","_type":"block","children":[{"_key":"174ae35eb5ff","_type":"span","marks":[],"text":""},{"_key":"2012d05ef0f2","_type":"mainAnchor","pageAnchor":{"_ref":"9e51cdf7-15a0-4f71-a312-6ed8618ed389","_type":"reference"}},{"_key":"608069a5b37d","_type":"span","marks":[],"text":"Investments"}],"markDefs":[],"style":"h2"},{"_key":"a7657dab4d8a","_type":"block","children":[{"_key":"ada3be22d832","_type":"span","marks":[],"text":"AJ Bell users can access a wide range of over 6,000 investment options, including:"}],"markDefs":[],"style":"normal"},{"_key":"33a5d4aad955","_type":"tableControl","rows":[{"_key":"6de690502e3f","_type":"row","cells":[{"_key":"898bfef07457","_type":"cell","cellLink":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"},"tableStyle":"W","value":[{"_key":"f8c82598a578","_type":"block","children":[{"_key":"04d6f5fd75260","_type":"span","marks":[],"text":"Shares "}],"markDefs":[],"style":"normal"}]}]},{"_key":"826312048398","_type":"row","cells":[{"_key":"de46a2c969c3","_type":"cell","cellLink":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"},"tableStyle":"W","value":[{"_key":"8892095465a8","_type":"block","children":[{"_key":"2d3d72f0d3070","_type":"span","marks":[],"text":"Funds "}],"markDefs":[],"style":"normal"}]}]},{"_key":"1d19ae6f204c","_type":"row","cells":[{"_key":"368ec5145586","_type":"cell","cellLink":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"},"tableStyle":"W","value":[{"_key":"ea9c55384d54","_type":"block","children":[{"_key":"2b158ebd9a820","_type":"span","marks":[],"text":"Investment trusts "}],"markDefs":[],"style":"normal"}]}]},{"_key":"6453d61316c7a2a663c2d2ea32db2da5","_type":"row","cells":[{"_key":"368ec5145586","_type":"cell","cellLink":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"},"tableStyle":"W","value":[{"_key":"ea9c55384d54","_type":"block","children":[{"_key":"2b158ebd9a820","_type":"span","marks":[],"text":"ETFs"}],"markDefs":[],"style":"normal"}]}]},{"_key":"7fe1ae8aff91b079f364755413031fd7","_type":"row","cells":[{"_key":"368ec5145586","_type":"cell","tableStyle":"W","value":[{"_key":"189e9a8939ee","_type":"block","children":[{"_key":"96a15025b0220","_type":"span","marks":[],"text":"Bonds"}],"markDefs":[],"style":"normal"}]}]},{"_key":"ed0942e1662c1c7c6766005bf647a620","_type":"row","cells":[{"_key":"368ec5145586","_type":"cell","tableStyle":"W","value":[{"_key":"bdcb99899d30","_type":"block","children":[{"_key":"f885e49209800","_type":"span","marks":[],"text":"Gilts"}],"markDefs":[],"style":"normal"}]}]},{"_key":"b3bd393465e5af4bf5f82759d0145a9d","_type":"row","cells":[{"_key":"368ec5145586","_type":"cell","cellLink":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"},"tableStyle":"W","value":[{"_key":"b5126e1f395f","_type":"block","children":[{"_key":"35515c5f405d0","_type":"span","marks":[],"text":"Ready-made portfolios "}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"ALL-W","title":"Investments"},{"_key":"843eb8498940","_type":"block","children":[{"_key":"bc3a2d5af2b5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"85d134889677","_type":"block","children":[{"_key":"9ecd365fe446","_type":"span","marks":[],"text":""},{"_key":"13755fa493c1","_type":"mainAnchor","pageAnchor":{"_ref":"605cc8d4-a85e-4d6d-94d8-0c4cbebac403","_type":"reference"}},{"_key":"df1af9d4a5e4","_type":"span","marks":[],"text":"Accounts"}],"markDefs":[],"style":"h2"},{"_key":"7e3837c6f511","_type":"block","children":[{"_key":"a30402357b25","_type":"span","marks":[],"text":"AJ Bell offers a range of accounts. The table below shows a breakdown of which ones are available and you can scroll down for more information about AJ Bell’s ISA, Pension, LISA and JISA."}],"markDefs":[],"style":"normal"},{"_key":"02297da26b39","_type":"tableControl","rows":[{"_key":"d553eb7e8b7d","_type":"row","cells":[{"_key":"8ba431a4e375","_type":"cell","tableStyle":"DB","value":[{"_key":"9d88145724e8","_type":"block","children":[{"_key":"def9e141d4400","_type":"span","marks":[],"text":"Stocks & Shares ISA"}],"markDefs":[],"style":"normal"}]},{"_key":"83bd6dcb3dcf","_type":"cell","tableStyle":"DB","value":[{"_key":"b8717e35047c","_type":"block","children":[{"_key":"7f6a2335c5830","_type":"span","marks":[],"text":"Pension (SIPP)"}],"markDefs":[],"style":"normal"}]},{"_key":"31128ead34c2","_type":"cell","tableStyle":"DB","value":[{"_key":"e2001f62cb05","_type":"block","children":[{"_key":"ec6e10bad3ff0","_type":"span","marks":[],"text":"General Investment Account (GIA)"}],"markDefs":[],"style":"normal"}]},{"_key":"56c70b5820d8","_type":"cell","tableStyle":"DB","value":[{"_key":"40217b6a7243","_type":"block","children":[{"_key":"dbb976f4bf520","_type":"span","marks":[],"text":"Lifetime ISA"}],"markDefs":[],"style":"normal"}]},{"_key":"52494242a1a4","_type":"cell","tableStyle":"DB","value":[{"_key":"c4c25c83a69e","_type":"block","children":[{"_key":"6e973223ccce0","_type":"span","marks":[],"text":"Junior ISA"}],"markDefs":[],"style":"normal"}]}]},{"_key":"b52c4264359e","_type":"row","cells":[{"_key":"e212a9c78685","_type":"cell","tableStyle":"W","value":[{"_key":"5814eee43950","_type":"block","children":[{"_key":"e1994bda8d0b","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"60afa26d9702","_type":"cell","tableStyle":"W","value":[{"_key":"10f4079d6321","_type":"block","children":[{"_key":"1c99017b106c","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"5f50d546601f","_type":"cell","tableStyle":"W","value":[{"_key":"6608a198e7c0","_type":"block","children":[{"_key":"aa0d69c14b6a","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"a262a593642f","_type":"cell","tableStyle":"W","value":[{"_key":"ee93a9a23509","_type":"block","children":[{"_key":"e47178232127","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"f2b9b755e66d","_type":"cell","tableStyle":"W","value":[{"_key":"e9b320187dfb","_type":"block","children":[{"_key":"e107c889e03d","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"Accounts"},{"_key":"38bdd0a440b1","_type":"block","children":[{"_key":"3e5f1775d12b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d305e0978abd","_type":"block","children":[{"_key":"5e2b36913b3e","_type":"span","marks":[],"text":""},{"_key":"d36d7a3e3f1b","_type":"mainAnchor","pageAnchor":{"_ref":"2c997e7d-1bea-4476-9de0-5ed9b0515370","_type":"reference"}},{"_key":"b6b0ea4d9433","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"df2752dad7b2","_type":"textboxWidget","text":[{"_key":"0fae1a711445","_type":"block","children":[{"_key":"8f5543cf7499","_type":"span","marks":[],"text":"AJ Bell has a "},{"_key":"0c8cadc8eb76","_type":"span","marks":["8da1cb090b0b"],"text":"Stocks & Shares ISA"},{"_key":"790bac8107c8","_type":"span","marks":[],"text":", where you can invest up to £20,000 every year completely tax-free."}],"markDefs":[{"_key":"8da1cb090b0b","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"3f20693b95bc","_type":"block","children":[{"_key":"052fa58002fc0","_type":"span","marks":[],"text":"For those who want freedom and choice, AJ Bell offers access to over 4,000 fund options, alongside ETFs, investment trusts, and shares from 25 international markets."}],"markDefs":[],"style":"normal"},{"_key":"b207a9feba27","_type":"block","children":[{"_key":"e493a622c6620","_type":"span","marks":[],"text":"There are also easily accessible ready-made options for investors who’d prefer to avoid the hassle of picking investments and find the range of choice overwhelming. AJ Bell offer ready-made funds, and a ready-made portfolio that gives you a quick, simple and cost-effective route to accessing the investment world."}],"markDefs":[],"style":"normal"},{"_key":"fe80e5cc33bb","_type":"block","children":[{"_key":"59955a4c60c3","_type":"span","marks":[],"text":"You can set up an AJ Bell ISA with a £250 lump sum investment, or a £25 monthly regular contribution. All ISA customers also get access to AJ Bell’s exclusive Shares digital magazine."}],"markDefs":[],"style":"normal"},{"_key":"07d44b96c045","_type":"block","children":[{"_key":"68275d843992","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"AJ Bell ISA review"},{"_key":"60fd2ca6f887","_type":"block","children":[{"_key":"c14eb4bbaa79","_type":"span","marks":[],"text":""},{"_key":"c6bfa4492df9","_type":"mainAnchor","pageAnchor":{"_ref":"ff57f94f-5ad4-4b79-b2cb-f15cbcbe2361","_type":"reference"}},{"_key":"b1ec2ff93b9e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0a038e9919ac","_type":"textboxWidget","text":[{"_key":"a010d6fe06ef","_type":"block","children":[{"_key":"685cef54682e","_type":"span","marks":[],"text":"AJ Bell offers a"},{"_key":"1cb564a200be","_type":"span","marks":["b6f6cf0a5b7a"],"text":" pension"},{"_key":"ef5ef9ff9830","_type":"span","marks":[],"text":" (SIPP), where you can invest up to £60,000 every tax year to put towards your retirement savings."}],"markDefs":[{"_key":"b6f6cf0a5b7a","_type":"internalLinkPick","reference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"}}],"style":"normal"},{"_key":"12f69781b62d","_type":"block","children":[{"_key":"5b94889bd9a10","_type":"span","marks":[],"text":"As with the Stocks & Shares ISA, AJ Bell SIPP users can select from a range of over 2,000 investments including funds, shares, investment trusts, ETFs, bonds and gilts."}],"markDefs":[],"style":"normal"},{"_key":"8e248983f1d7","_type":"block","children":[{"_key":"dafd88358cb30","_type":"span","marks":[],"text":"You can also opt to invest in AJ Bell’s exclusive Pension builder fund, designed to be a “steady, hands-off\" approach to investing for retirement. It’s powered by AJ Bell’s Balanced "},{"_key":"57e47a0408dc","_type":"span","marks":["d5400ff00d95"],"text":"ready-made portfolio "},{"_key":"d859d2810c27","_type":"span","marks":[],"text":"and is managed by an expert in-house investment team."}],"markDefs":[{"_key":"d5400ff00d95","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"6d712b5d177a","_type":"block","children":[{"_key":"69db63f3d80a0","_type":"span","marks":[],"text":"Finally, AJ Bell recently launched a new Ready-made pension option, where users can select from three AJ Bell ready-made portfolios catered to different risk appetites - Cautious, Balanced and Adventurous - for an all-inclusive annual charge of just 0.45%. There is also a responsible investing option which costs 0.60% per year."}],"markDefs":[],"style":"normal"},{"_key":"73edf291f6c1","_type":"block","children":[{"_key":"f4190ce69e570","_type":"span","marks":[],"text":"The minimum lump sum required to open an AJ Bell SIPP is £500 or a £25 monthly payment."}],"markDefs":[],"style":"normal"},{"_key":"8fb61a070dde","_type":"block","children":[{"_key":"e5d537d21b800","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"AJ Bell Pension review"},{"_key":"807bca70fe8f","_type":"block","children":[{"_key":"e6dfefbf5a04","_type":"span","marks":[],"text":""},{"_key":"ba322cfe8490","_type":"mainAnchor","pageAnchor":{"_ref":"64bb480b-2fe7-47e8-a7c8-2a42c44d19f8","_type":"reference"}},{"_key":"d15e937e16ec","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"83a27e2f4253","_type":"textboxWidget","text":[{"_key":"2abb05ce8a0a","_type":"block","children":[{"_key":"51c809f663e0","_type":"span","marks":[],"text":"AJ Bell offers a Stocks & Shares "},{"_key":"29ace796d305","_type":"span","marks":["ff8faeee6b84"],"text":"Lifetime ISA"},{"_key":"9015e02533b8","_type":"span","marks":[],"text":", where you can invest up to £4,000 every tax year and benefit from a 25% government top-up. That means for every £4,000 you put in, the government automatically gives you an extra £1,000."}],"markDefs":[{"_key":"ff8faeee6b84","_type":"internalLinkPick","reference":{"_ref":"f87e514a-5bd1-4a7c-95cd-f1676e520028","_type":"reference"}}],"style":"normal"},{"_key":"fdd8288f8b64","_type":"block","children":[{"_key":"17cdddf0c80d","_type":"span","marks":[],"text":"As with all LISAs, there are limitations on how you can withdraw your savings – it must either be to buy your first home or to save for your retirement. Make sure to read our full "},{"_key":"cf41eb7c267d","_type":"span","marks":["7110f398ee27"],"text":"LISA guide"},{"_key":"bf1c0947307a","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"7110f398ee27","_type":"internalLinkPick","reference":{"_ref":"f87e514a-5bd1-4a7c-95cd-f1676e520028","_type":"reference"}}],"style":"normal"},{"_key":"eae9cbbf3709","_type":"block","children":[{"_key":"817c9147058d0","_type":"span","marks":[],"text":"Like AJ Bell’s Stocks & Shares ISA, the LISA enables you to invest in a range of investments, such as over 4,000 funds, shares, investment trusts, ETFs, and bonds. There are similarly no charges to set up your account or pay in and there’s no inactivity fee."}],"markDefs":[],"style":"normal"},{"_key":"f3056ebc5c00","_type":"block","children":[{"_key":"6e66dbda229e0","_type":"span","marks":[],"text":"AJ Bell’s LISAs are a great option for more avid investors who want to stock pick or add specific funds to boost the size of their house deposits. You can always also pick one of AJ Bell’s ready-made options if you want low-cost access to the market but aren’t comfortable making too many selection decisions."}],"markDefs":[],"style":"normal"},{"_key":"a8597ceafbe2","_type":"block","children":[{"_key":"79b1bcabc7f80","_type":"span","marks":[],"text":"The £1.50 fund charge every time you buy an investment will annoy those who are cost-conscious and adding to their LISA month-by-month. This fee is waived for AJ Bell’s own-brand funds, which you can invest into for free."}],"markDefs":[],"style":"normal"},{"_key":"e341580033cf","_type":"block","children":[{"_key":"da2561f359fd0","_type":"span","marks":[],"text":"LISA investors need to pay particular attention to their liquidity needs – it is not a sensible idea to invest in volatile equity markets when you want to withdraw your money for a house purchase within the next few years. While you could make a good return, you could also lose a lot of money and have to cancel or delay your purchase plans; so make sure you think it through. You may be better off picking lower-risk funds or holding your money in cash, especially if you want to buy in the near future."}],"markDefs":[],"style":"normal"},{"_key":"736b40f39090","_type":"block","children":[{"_key":"d80cd6a731a60","_type":"span","marks":[],"text":"You can set up an AJ Bell LISA with a £250 lump sum payment, or a £25 monthly regular contribution. All LISA customers also get access to AJ Bell’s exclusive Shares digital magazine."}],"markDefs":[],"style":"normal"},{"_key":"167746efb67f","_type":"block","children":[{"_key":"92ee63bd2449","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"62ddcf495d15","_type":"block","children":[{"_key":"d78980d9c198","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"AJ Bell LISA review"},{"_key":"93a8d14ababe","_type":"block","children":[{"_key":"1f6a6d9f0a3c","_type":"span","marks":[],"text":""},{"_key":"0ccc5d512664","_type":"mainAnchor","pageAnchor":{"_ref":"ee27d09d-a3cd-4792-9e2a-c3c517b2e0b2","_type":"reference"}},{"_key":"45aeb0a86681","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1fde34ca2abb","_type":"textboxWidget","text":[{"_key":"39d0b591ba1b","_type":"block","children":[{"_key":"614b2ac26a8d","_type":"span","marks":[],"text":"AJ Bell has a "},{"_key":"f4137cbee9bb","_type":"span","marks":["1ea80123d681"],"text":"Stocks & Shares Junior ISA"},{"_key":"54d4dad2cf29","_type":"span","marks":[],"text":", where you can invest up to £9,000 every tax year on behalf of your children or grandchildren."}],"markDefs":[{"_key":"1ea80123d681","_type":"internalLinkPick","reference":{"_ref":"d5b77d3e-daa0-4a42-ba55-c68b5fce8fff","_type":"reference"}}],"style":"normal"},{"_key":"9e3af6dd6267","_type":"block","children":[{"_key":"c35c218383e50","_type":"span","marks":[],"text":"Like AJ Bell’s Stocks & Shares ISA, the LISA enables you to invest in a range of investments, such as over 4,000 funds, shares, investment trusts, ETFs, and bonds. There are no charges to set up your account and there’s no inactivity fee."}],"markDefs":[],"style":"normal"},{"_key":"e6b0b83b033f","_type":"block","children":[{"_key":"27ac53b918fa0","_type":"span","marks":[],"text":"You can set up an AJ Bell JISA with just a £250 initial lump sum or start with £25 monthly regular investing instalments for a discount on dealing charges."}],"markDefs":[],"style":"normal"}],"title":"AJ Bell JISA review"},{"_key":"6f1d1b2c31d3","_type":"block","children":[{"_key":"9b011f5b7d38","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"75a22685533f","_type":"block","children":[{"_key":"0a12567e344a","_type":"span","marks":[],"text":""},{"_key":"3d20deccc33e","_type":"mainAnchor","pageAnchor":{"_ref":"4e980c11-5605-4480-b5cf-9ef6d1970af0","_type":"reference"}},{"_key":"c2f59f19ba7f","_type":"span","marks":[],"text":"Fees and charges"}],"markDefs":[],"style":"h2"},{"_key":"11b8dc8a01ef","_type":"block","children":[{"_key":"f5057cde4ccf0","_type":"span","marks":[],"text":"When investing in stocks or funds, you'll typically encounter two main types of charges. Account charges are like a membership fee for having your investment account - they can either be a fixed one-off payment (like £100 when you open the account), a regular fee (usually annual or monthly), or calculated as a percentage of your total investment (say 0.5% per year of whatever amount you have invested). These fees apply regardless of whether you buy or sell anything. On the other hand, dealing charges are more like transaction fees - they're the costs you pay each time you actually buy or sell an investment, similar to how a shop might charge you for using a credit card. "}],"markDefs":[],"style":"normal"},{"_key":"508c7d9f6854","_type":"textboxWidget","text":[{"_key":"c7ad5cd4e39c","_type":"block","children":[{"_key":"0a8fa7010236","_type":"span","marks":[],"text":"For example, you might pay an annual account fee of £40 or 0.3% of your investment to keep your account open, but then also pay £10 in dealing charges each time you buy or sell shares."}],"markDefs":[],"style":"normal"}],"title":"Example of fees and charges"},{"_key":"417dcde9277c","_type":"block","children":[{"_key":"4818d36394c0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d24cf41a6115","_type":"block","children":[{"_key":"2f734096aeb00","_type":"span","marks":[],"text":"The cost of investing with AJ Bell depends on what types of investments you purchase, how much you invest, and how frequently you trade. The table below illustrates the different charges."}],"markDefs":[],"style":"normal"},{"_key":"b73187b00105","_type":"tableControl","rows":[{"_key":"d553eb7e8b7d","_type":"row","cells":[{"_key":"8ba431a4e375","_type":"cell","tableStyle":"DB","value":[{"_key":"12e32c758c6a","_type":"block","children":[{"_key":"7eab988812e90","_type":"span","marks":["strong"],"text":"Fee type"}],"markDefs":[],"style":"normal"}]},{"_key":"56c70b5820d8","_type":"cell","tableStyle":"DB","value":[{"_key":"939f7cd18676","_type":"block","children":[{"_key":"95d071caa17f0","_type":"span","marks":["strong"],"text":"What is it?"}],"markDefs":[],"style":"normal"}]},{"_key":"52494242a1a4","_type":"cell","tableStyle":"DB","value":[{"_key":"4ecf94896c94","_type":"block","children":[{"_key":"351ed2ce80260","_type":"span","marks":["strong"],"text":"Annual Amount"}],"markDefs":[],"style":"normal"}]}]},{"_key":"b52c4264359e","_type":"row","cells":[{"_key":"e212a9c78685","_type":"cell","tableStyle":"W","value":[{"_key":"042e6c1468ac","_type":"block","children":[{"_key":"830bd396908b0","_type":"span","marks":["strong"],"text":"Funds account charge"}],"markDefs":[],"style":"normal"}]},{"_key":"60afa26d9702","_type":"cell","tableStyle":"W","value":[{"_key":"a4b46f29f191","_type":"block","children":[{"_key":"13613be31a1c0","_type":"span","marks":[],"text":"The cost of holding funds"}],"markDefs":[],"style":"normal"}]},{"_key":"5f50d546601f","_type":"cell","tableStyle":"W","value":[{"_key":"a2101d523c77","_type":"block","children":[{"_key":"3fd9eb70919a0","_type":"span","marks":[],"text":"0.25% *"}],"markDefs":[],"style":"normal"}]}]},{"_key":"e0d3fbbb49e11ed5cbe0a40d55937931","_type":"row","cells":[{"_key":"e212a9c78685","_type":"cell","tableStyle":"W","value":[{"_key":"948422f61302","_type":"block","children":[{"_key":"024d00e3c6510","_type":"span","marks":["strong"],"text":"Shares account charge"}],"markDefs":[],"style":"normal"}]},{"_key":"60afa26d9702","_type":"cell","tableStyle":"W","value":[{"_key":"73c0a3d4592b","_type":"block","children":[{"_key":"04be7b6876690","_type":"span","marks":[],"text":"The cost of holding shares, ETFs and investment trusts"}],"markDefs":[],"style":"normal"}]},{"_key":"5f50d546601f","_type":"cell","tableStyle":"W","value":[{"_key":"93805d321209","_type":"block","children":[{"_key":"05f22bada1080","_type":"span","marks":[],"text":"0.25% **"}],"markDefs":[],"style":"normal"},{"_key":"ab47f851d66b","_type":"block","children":[{"_key":"8b9d193468b7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"AJ Bell Account Charges"},{"_key":"227d1fa2d802","_type":"block","children":[{"_key":"51969941214a0","_type":"span","marks":["em"],"text":"* Fund account charges will be discounted to 10% for portfolios valued between £250,000 and £500,000. The charges will be waived completely for portfolios over £500,000."}],"markDefs":[],"style":"small"},{"_key":"9d5b1d02bbbf","_type":"block","children":[{"_key":"7c7d2fccdb4c","_type":"span","marks":["em"],"text":"**Shares account charges are capped at £2.50 per month for JISAs, £3.50 per month for ISAs and LISAs, and £10 per month for SIPPs."}],"markDefs":[],"style":"small"},{"_key":"2f5ea585e531","_type":"tableControl","rows":[{"_key":"d553eb7e8b7d","_type":"row","cells":[{"_key":"8ba431a4e375","_type":"cell","tableStyle":"DB","value":[{"_key":"12e32c758c6a","_type":"block","children":[{"_key":"7eab988812e90","_type":"span","marks":["strong"],"text":"Fee type"}],"markDefs":[],"style":"normal"}]},{"_key":"56c70b5820d8","_type":"cell","tableStyle":"DB","value":[{"_key":"939f7cd18676","_type":"block","children":[{"_key":"95d071caa17f0","_type":"span","marks":["strong"],"text":"What is it?"}],"markDefs":[],"style":"normal"}]},{"_key":"52494242a1a4","_type":"cell","tableStyle":"DB","value":[{"_key":"4ecf94896c94","_type":"block","children":[{"_key":"351ed2ce80260","_type":"span","marks":["strong"],"text":"Annual Amount"}],"markDefs":[],"style":"normal"}]}]},{"_key":"1246612ffab1244745df1b4f7ca8a5df","_type":"row","cells":[{"_key":"e212a9c78685","_type":"cell","tableStyle":"W","value":[{"_key":"047793fdf987","_type":"block","children":[{"_key":"caaf9a21e8600","_type":"span","marks":["strong"],"text":"Fund dealing charge"}],"markDefs":[],"style":"normal"}]},{"_key":"60afa26d9702","_type":"cell","tableStyle":"W","value":[{"_key":"abf49a70b0c8","_type":"block","children":[{"_key":"3ed5bf5e82d80","_type":"span","marks":[],"text":"The charge each time you buy or sell funds"}],"markDefs":[],"style":"normal"}]},{"_key":"5f50d546601f","_type":"cell","tableStyle":"W","value":[{"_key":"fb3b63d9a418","_type":"block","children":[{"_key":"d7196a042c5a0","_type":"span","marks":[],"text":"£1.50*"}],"markDefs":[],"style":"normal"}]}]},{"_key":"0614f62c115e865ee5be3527e147d59e","_type":"row","cells":[{"_key":"e212a9c78685","_type":"cell","tableStyle":"W","value":[{"_key":"44fc9a565390","_type":"block","children":[{"_key":"874eada893450","_type":"span","marks":["strong"],"text":"Shares dealing charge"}],"markDefs":[],"style":"normal"}]},{"_key":"60afa26d9702","_type":"cell","tableStyle":"W","value":[{"_key":"db5fd28ff4a3","_type":"block","children":[{"_key":"be513c27a88d0","_type":"span","marks":[],"text":"The charge each time you buy or sell shares"}],"markDefs":[],"style":"normal"}]},{"_key":"5f50d546601f","_type":"cell","tableStyle":"W","value":[{"_key":"6f62b1a13b86","_type":"block","children":[{"_key":"3000ee7693300","_type":"span","marks":[],"text":"£5.00**"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"AJ Bell Dealing Charges"},{"_key":"1d08cc6c1186","_type":"block","children":[{"_key":"f45cfae49272","_type":"span","marks":["em"],"text":"*There are no dealing charges when buying AJ Bell Funds."}],"markDefs":[],"style":"normal"},{"_key":"0db0fca84ca4","_type":"block","children":[{"_key":"6fdb3ab90df00","_type":"span","marks":["em"],"text":"**A lower ‘frequent’ shares dealing charge of £3.50 applies when you have completed 10 or more share deals in the previous month."}],"markDefs":[],"style":"normal"},{"_key":"ff22a4f1a98c","_type":"block","children":[{"_key":"1c9da49edf750","_type":"span","marks":[],"text":"Other Charges"}],"markDefs":[],"style":"h3"},{"_key":"8740f42b3a48","_type":"block","children":[{"_key":"1534698dd15a0","_type":"span","marks":[],"text":"Additional charges may apply when trading, such as foreign exchange (FX) fees for international investments, applied on a sliding scale: 0.75% for the first £10,000, and 0.25% for amounts over £20,000."}],"markDefs":[],"style":"normal"},{"_key":"505075ac2d49","_type":"block","children":[{"_key":"6df9160b20f0","_type":"span","marks":[],"text":"You can review all of AJ Bells fees and charges "},{"_key":"4e1e679ccc3a","_type":"span","marks":["68aeb553fc8c"],"text":"here"},{"_key":"b776f6aec8b6","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"68aeb553fc8c","_type":"internalLinkPick","blank":true,"reference":{"_ref":"c7ba7f18-3e10-4b97-9360-258096459cd8","_type":"reference"}}],"style":"normal"},{"_key":"5d426181d1d1","_type":"block","children":[{"_key":"1c8836035a66","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f5a312cf6fd1","_type":"calcBlock","dashboardId":"22120EF3-6F72-4AF4-9DB1-1B4593236051","defaultWrapper":"ISA","introPara":{"_id":"2b148783-9a10-400d-abc8-d48e9be3a0e2","_type":"dictionary","_rev":"7S0ZXFhSrhUDseWBY3SxHq","_createdAt":"2024-02-26T10:06:20Z","_updatedAt":"2024-08-08T13:13:32Z","key":"calculator-paragraph-text","value":"Use the handy calculator below to calculate the cost of an account. Just select which type of account you want to use, type in the amount you want to invest and - hey presto! - our calculator will give you an estimate of how much it costs. Please note estimated fees are calculated excluding promotional offers.","id":"-202dd76e-b565-5f56-b427-adb4545a8988","children":[],"parent":null},"title":"See how much it would cost you","wrapperOptions":["ISA","PENSION","LISA","JISA"],"wrapperText":{"_id":"3c588c87-09c8-4743-94a5-23af89c4063e","_type":"dictionary","_rev":"NNaYzMKiCJ6MqzAO8LsMeb","_createdAt":"2024-02-13T09:43:58Z","_updatedAt":"2024-02-26T14:17:26Z","key":"calculator-plus-investment-fees-text","value":"Cost shown is the administration fee only. There may be additional third-party investment or fund fees, which depend               entirely on what you pick. Expect these to add about 0.25% to 1% a year to the total cost.","id":"-d139655d-51a3-5b42-948f-a09b57fb6a63","children":[],"parent":null}},{"_key":"08ec50a4e388","_type":"block","children":[{"_key":"dc18e408f3d2","_type":"span","marks":[],"text":""},{"_key":"ef8ab9548d92","_type":"mainAnchor","pageAnchor":{"_ref":"9a9a5fd8-03e4-41c0-8bb9-96205fa99fa0","_type":"reference"}},{"_key":"ff98d9b7da5a","_type":"span","marks":[],"text":"Customer reviews"}],"markDefs":[],"style":"h2"},{"_key":"a78953867f75","_type":"block","children":[{"_key":"908ecd74c98b0","_type":"span","marks":[],"text":"AJ Bell customers say it’s “easy to use” with a “wide range of investments” to choose from and “competitive” fees. Many have also stated that AJ Bell’s customer service is particularly good and they are “always in communication”. However, some negative feedback includes “too many security hoops” to jump through and the charges could be cheaper compared to alternatives on the market."}],"markDefs":[],"style":"normal"},{"_key":"59feac566b8e","_type":"yourRatingWidget","company":{"_id":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4Tz","_createdAt":"2021-09-22T15:39:35Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","rev":"YjNvQx4tqfWKwO39EgsuHM"}},"bestBuyAward":{"_ref":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"reference"},"bestBuyAwardVisible":{"_ref":"b0e152d6-2c69-4b10-8fba-28572e0ec00f","_type":"reference"},"bestBuyType":"ISA","companyBBCats":["DIY","BIGBRAND"],"companyDisplayName":"AJ Bell ","companyLogo":{"_type":"mainImage","alt":"AJ Bell","asset":{"_ref":"image-ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080-jpg","_type":"reference"}},"companyName":"ISA AJ Bell ","comparisonCriteria":[{"_key":"5b3b66167a58","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"625d03981542","_type":"block","children":[{"_key":"925c3f750328","_type":"span","marks":[],"text":"AJ Bell Youinvest is a low-cost option for people who are comfortable with investing. There are loads of investment options – including individual shares and funds."}],"markDefs":[],"style":"normal"}]},{"_key":"cf69445630dc","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"835d385ebf4e","_type":"block","children":[{"_key":"694229e5ce4d","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"3dfd64229d89","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"10139c683a66","_type":"block","children":[{"_key":"144d309be63a","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"e48fae2e551a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"c14096adcb85","_type":"block","children":[{"_key":"52497a298a11","_type":"span","marks":[],"text":"Funds: 0.25%"}],"markDefs":[],"style":"normal"},{"_key":"22c2c4527516","_type":"block","children":[{"_key":"9f269d0c58f1","_type":"span","marks":[],"text":"Shares: 0.25% (maximum £3.50 per month)"}],"markDefs":[],"style":"normal"}]},{"_key":"2f9d81a493c3","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"020ebd6985a5","_type":"block","children":[{"_key":"36e6ef610196","_type":"span","marks":[],"text":"Funds: £1.50"}],"markDefs":[],"style":"normal"},{"_key":"5a832c25a673","_type":"block","children":[{"_key":"924915d1fb92","_type":"span","marks":[],"text":"Shares: £9.95 (where there were 10 or more deals in the previous month: £4.95)"}],"markDefs":[],"style":"normal"}]},{"_key":"958c2e4fb84f","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"00ceae9988aa","_type":"block","children":[{"_key":"98cfce9054c1","_type":"span","marks":[],"text":"1% (for the first £10k)"}],"markDefs":[],"style":"normal"},{"_key":"cf57942305b8","_type":"block","children":[{"_key":"1ec042ad50d0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"3c34be707ddc","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"f9be8b1879bd","_type":"block","children":[{"_key":"8a39ff7d970f","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"90bec717d421","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"468b1367d41a","_type":"block","children":[{"_key":"de1e2405d65c","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"97a68de34db5","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"454d5721f9b5","_type":"block","children":[{"_key":"2cf9eb6f123b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"0ac9398006bb","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"2c771a0586be","_type":"block","children":[{"_key":"a5b40fb5ba7a","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"1206fede535a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"10c3b0e42e84","_type":"block","children":[{"_key":"66e8a836fee6","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"b5874d07c16c","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"758cdedbc8ad","_type":"block","children":[{"_key":"253bdf76e1ea","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"12bbfe1f847b","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"713ce4f4504a","_type":"block","children":[{"_key":"6d149843cc60","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"a8e74482753e","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"0e5d65f16c1a","_type":"block","children":[{"_key":"0e670213f7b1","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"22120EF3-6F72-4AF4-9DB1-1B4593236051","inANutshell":["Low cost","May be complex for beginners","Good investment ideas and content"],"mostPopularRank":1,"noOfReviews":"1713","ourRating":"9","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"5a480dd3-c7ab-4c8b-984a-3de0046c41e8","_type":"reference"},"reviewReference":{"_ref":"1dbcb796-5201-4542-a5fd-e9d2d02257e5","_type":"reference"},"showBBTable":true,"wouldRecommendRating":87.84,"yourRating":"8","id":"-bd819082-deff-5ec0-8103-7d9917a63743","children":[],"parent":null}},{"LeftSideText":[{"_key":"0e8c7a6252ee","_type":"block","children":[{"_key":"d7164d601693","_type":"span","marks":["strong"],"text":"Your opinion matters!"}],"markDefs":[],"style":"normal"},{"_key":"be46cc9ca648","_type":"block","children":[{"_key":"10d0588b2004","_type":"span","marks":[],"text":"Leave a review for AJ Bell"}],"markDefs":[],"style":"normal"}],"_key":"566fd35c5f23","_type":"companyReviewWidget","buttonText":"RATE PROVIDER","company":{"_id":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4Tz","_createdAt":"2021-09-22T15:39:35Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","rev":"YjNvQx4tqfWKwO39EgsuHM"}},"bestBuyAward":{"_ref":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"reference"},"bestBuyAwardVisible":{"_ref":"b0e152d6-2c69-4b10-8fba-28572e0ec00f","_type":"reference"},"bestBuyType":"ISA","companyBBCats":["DIY","BIGBRAND"],"companyDisplayName":"AJ Bell ","companyLogo":{"_type":"mainImage","alt":"AJ Bell","asset":{"_ref":"image-ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080-jpg","_type":"reference"}},"companyName":"ISA AJ Bell ","comparisonCriteria":[{"_key":"5b3b66167a58","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"625d03981542","_type":"block","children":[{"_key":"925c3f750328","_type":"span","marks":[],"text":"AJ Bell Youinvest is a low-cost option for people who are comfortable with investing. There are loads of investment options – including individual shares and funds."}],"markDefs":[],"style":"normal"}]},{"_key":"cf69445630dc","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"835d385ebf4e","_type":"block","children":[{"_key":"694229e5ce4d","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"3dfd64229d89","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"10139c683a66","_type":"block","children":[{"_key":"144d309be63a","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"e48fae2e551a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"c14096adcb85","_type":"block","children":[{"_key":"52497a298a11","_type":"span","marks":[],"text":"Funds: 0.25%"}],"markDefs":[],"style":"normal"},{"_key":"22c2c4527516","_type":"block","children":[{"_key":"9f269d0c58f1","_type":"span","marks":[],"text":"Shares: 0.25% (maximum £3.50 per month)"}],"markDefs":[],"style":"normal"}]},{"_key":"2f9d81a493c3","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"020ebd6985a5","_type":"block","children":[{"_key":"36e6ef610196","_type":"span","marks":[],"text":"Funds: £1.50"}],"markDefs":[],"style":"normal"},{"_key":"5a832c25a673","_type":"block","children":[{"_key":"924915d1fb92","_type":"span","marks":[],"text":"Shares: £9.95 (where there were 10 or more deals in the previous month: £4.95)"}],"markDefs":[],"style":"normal"}]},{"_key":"958c2e4fb84f","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"00ceae9988aa","_type":"block","children":[{"_key":"98cfce9054c1","_type":"span","marks":[],"text":"1% (for the first £10k)"}],"markDefs":[],"style":"normal"},{"_key":"cf57942305b8","_type":"block","children":[{"_key":"1ec042ad50d0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"3c34be707ddc","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"f9be8b1879bd","_type":"block","children":[{"_key":"8a39ff7d970f","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"90bec717d421","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"468b1367d41a","_type":"block","children":[{"_key":"de1e2405d65c","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"97a68de34db5","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"454d5721f9b5","_type":"block","children":[{"_key":"2cf9eb6f123b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"0ac9398006bb","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"2c771a0586be","_type":"block","children":[{"_key":"a5b40fb5ba7a","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"1206fede535a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"10c3b0e42e84","_type":"block","children":[{"_key":"66e8a836fee6","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"b5874d07c16c","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"758cdedbc8ad","_type":"block","children":[{"_key":"253bdf76e1ea","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"12bbfe1f847b","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"713ce4f4504a","_type":"block","children":[{"_key":"6d149843cc60","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"a8e74482753e","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"0e5d65f16c1a","_type":"block","children":[{"_key":"0e670213f7b1","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"22120EF3-6F72-4AF4-9DB1-1B4593236051","inANutshell":["Low cost","May be complex for beginners","Good investment ideas and content"],"mostPopularRank":1,"noOfReviews":"1713","ourRating":"9","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"5a480dd3-c7ab-4c8b-984a-3de0046c41e8","_type":"reference"},"reviewReference":{"_ref":"1dbcb796-5201-4542-a5fd-e9d2d02257e5","_type":"reference"},"showBBTable":true,"wouldRecommendRating":87.84,"yourRating":"8","id":"-bd819082-deff-5ec0-8103-7d9917a63743","children":[],"parent":null}},{"_key":"efbaf7f8f156","_type":"block","children":[{"_key":"66a3d0a3e292","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1d98c1a3bc1c","_type":"providerReviewsWidget","company":{"_id":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4Tz","_createdAt":"2021-09-22T15:39:35Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","rev":"YjNvQx4tqfWKwO39EgsuHM"}},"bestBuyAward":{"_ref":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"reference"},"bestBuyAwardVisible":{"_ref":"b0e152d6-2c69-4b10-8fba-28572e0ec00f","_type":"reference"},"bestBuyType":"ISA","companyBBCats":["DIY","BIGBRAND"],"companyDisplayName":"AJ Bell ","companyLogo":{"_type":"mainImage","alt":"AJ Bell","asset":{"_ref":"image-ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080-jpg","_type":"reference"}},"companyName":"ISA AJ Bell ","comparisonCriteria":[{"_key":"5b3b66167a58","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"625d03981542","_type":"block","children":[{"_key":"925c3f750328","_type":"span","marks":[],"text":"AJ Bell Youinvest is a low-cost option for people who are comfortable with investing. There are loads of investment options – including individual shares and funds."}],"markDefs":[],"style":"normal"}]},{"_key":"cf69445630dc","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"835d385ebf4e","_type":"block","children":[{"_key":"694229e5ce4d","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"3dfd64229d89","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"10139c683a66","_type":"block","children":[{"_key":"144d309be63a","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"e48fae2e551a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"c14096adcb85","_type":"block","children":[{"_key":"52497a298a11","_type":"span","marks":[],"text":"Funds: 0.25%"}],"markDefs":[],"style":"normal"},{"_key":"22c2c4527516","_type":"block","children":[{"_key":"9f269d0c58f1","_type":"span","marks":[],"text":"Shares: 0.25% (maximum £3.50 per month)"}],"markDefs":[],"style":"normal"}]},{"_key":"2f9d81a493c3","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"020ebd6985a5","_type":"block","children":[{"_key":"36e6ef610196","_type":"span","marks":[],"text":"Funds: £1.50"}],"markDefs":[],"style":"normal"},{"_key":"5a832c25a673","_type":"block","children":[{"_key":"924915d1fb92","_type":"span","marks":[],"text":"Shares: £9.95 (where there were 10 or more deals in the previous month: £4.95)"}],"markDefs":[],"style":"normal"}]},{"_key":"958c2e4fb84f","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"00ceae9988aa","_type":"block","children":[{"_key":"98cfce9054c1","_type":"span","marks":[],"text":"1% (for the first £10k)"}],"markDefs":[],"style":"normal"},{"_key":"cf57942305b8","_type":"block","children":[{"_key":"1ec042ad50d0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"3c34be707ddc","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"f9be8b1879bd","_type":"block","children":[{"_key":"8a39ff7d970f","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"90bec717d421","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"468b1367d41a","_type":"block","children":[{"_key":"de1e2405d65c","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"97a68de34db5","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"454d5721f9b5","_type":"block","children":[{"_key":"2cf9eb6f123b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"0ac9398006bb","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"2c771a0586be","_type":"block","children":[{"_key":"a5b40fb5ba7a","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"1206fede535a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"10c3b0e42e84","_type":"block","children":[{"_key":"66e8a836fee6","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"b5874d07c16c","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"758cdedbc8ad","_type":"block","children":[{"_key":"253bdf76e1ea","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"12bbfe1f847b","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"713ce4f4504a","_type":"block","children":[{"_key":"6d149843cc60","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"a8e74482753e","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"0e5d65f16c1a","_type":"block","children":[{"_key":"0e670213f7b1","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"22120EF3-6F72-4AF4-9DB1-1B4593236051","inANutshell":["Low cost","May be complex for beginners","Good investment ideas and content"],"mostPopularRank":1,"noOfReviews":"1713","ourRating":"9","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"5a480dd3-c7ab-4c8b-984a-3de0046c41e8","_type":"reference"},"reviewReference":{"_ref":"1dbcb796-5201-4542-a5fd-e9d2d02257e5","_type":"reference"},"showBBTable":true,"wouldRecommendRating":87.84,"yourRating":"8","id":"-bd819082-deff-5ec0-8103-7d9917a63743","children":[],"parent":null},"companyReviewPageReference":{"_id":"0850b85d-b5a7-43b9-991b-4e5560174d0a","_type":"information","_rev":"ihRpkYB4XeFz5EK5mzKsTu","_createdAt":"2022-01-07T14:08:01Z","_updatedAt":"2026-01-19T11:09:32Z","_system":{"base":{"id":"0850b85d-b5a7-43b9-991b-4e5560174d0a","rev":"7iWBSJo7RV4HdBHUuVdYpl"}},"authors":[{"_key":"0ca89cac98ff","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"body":[{"_key":"b870a33d7976","_type":"providerHeaderWidget","company":{"_ref":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"reference"}},{"_key":"e130a79c73ac","_type":"block","children":[{"_key":"eb8678b6615b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c6156cc7ae29","_type":"block","children":[{"_key":"e6c2330adf8a","_type":"span","marks":[],"text":"We collect reviews and share feedback from real users to give you the best information about providers."}],"markDefs":[],"style":"normal"},{"_key":"d8b6ecfe5a02","_type":"block","children":[{"_key":"2cdc09ed5c7a","_type":"span","marks":[],"text":"We try really hard to keep our reviews genuinely representative. We have found a few providers trying to rubbish their competitors, leaving awful reviews. Of course, we don't publish these."}],"markDefs":[],"style":"normal"},{"_key":"af772f1d7ece","_type":"customerReviewsWidget","company":{"_ref":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"reference"}}],"categories":[{"_key":"f975a8bc7ca7","_ref":"954f8288-7a81-4564-ab08-72c4134ab050","_type":"reference"}],"company":{"_ref":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"reference"},"mainImage":{"_type":"mainImage","asset":{"_ref":"image-ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080-jpg","_type":"reference"}},"publishedAt":"2026-01-19T11:08:57.755Z","slug":{"_type":"slug","current":"aj-bell-customer-reviews"},"subfolder":{"_ref":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"reference"},"template":"C-SB","title":"AJ Bell Customer Reviews","id":"-a3db2f6c-c6dc-5906-ac2c-a748d7d10c75","children":[],"parent":null}},{"_key":"7498bcc3806e","_type":"block","children":[{"_key":"e2566c4caa3a","_type":"span","marks":[],"text":""},{"_key":"e5b8e9a424b2","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"8b3c8c29b7b6","_type":"span","marks":["strong"],"text":"Most asked questions"}],"markDefs":[],"style":"h2"},{"_key":"edc12ea1c269","_type":"block","children":[{"_key":"ef9b238a2ab3","_type":"span","marks":[],"text":""},{"_key":"c4cd0ea496e2","_type":"mainAnchor","pageAnchor":{"_ref":"d1046785-69e9-496b-ad81-606ac5827160","_type":"reference"}},{"_key":"5a4d087fea8c","_type":"span","marks":[],"text":" "},{"_key":"3e755b8264cd","_type":"span","marks":["strong"],"text":"Is AJ Bell safe?"}],"markDefs":[],"style":"h3"},{"_key":"e3b31dff85b6","_type":"block","children":[{"_key":"d5e4f73d050c","_type":"span","marks":[],"text":"AJ Bell Youinvest is listed on the FTSE 250 and is authorised and regulated by the Financial Conduct Authority (FCA). If a fund fails due to fraud or mismanagement, you may be eligible for compensation from the "},{"_key":"99c08bdf5c00","_type":"span","marks":["fd93d3fc8d0a"],"text":"Financial Services Compensation Scheme (FSCS)"},{"_key":"6e360df22cb4","_type":"span","marks":[],"text":". The FSCS protection is capped at £85,000 per person, per fund manager (not per individual fund). However, if your investments lose value due to normal market conditions or your investment choices, this is part of the normal risk of investing and is not covered by FSCS compensation."}],"markDefs":[{"_key":"fd93d3fc8d0a","_type":"internalLinkPick","blank":true,"reference":{"_ref":"34722af1-872b-441c-a563-4d2293999c94","_type":"reference"}}],"style":"normal"},{"_key":"bab97c1029b9","_type":"block","children":[{"_key":"dca75f5c4570","_type":"span","marks":[],"text":""},{"_key":"2012a09533c3","_type":"mainAnchor","pageAnchor":{"_ref":"2a73217e-191b-415b-b2d0-e41ac8f522f0","_type":"reference"}},{"_key":"bc5f24e4bbd2","_type":"span","marks":["strong"],"text":"Is AJ Bell’s ISA flexible?"}],"markDefs":[],"style":"h3"},{"_key":"abe3020c0bd3","_type":"block","children":[{"_key":"faf6295e036b0","_type":"span","marks":[],"text":"AJ Bell’s Stocks & Shares ISA is not flexible. This means that once you withdraw your money, you can’t put it back in again without affecting your annual allowance (currently £20,000)."}],"markDefs":[],"style":"normal"},{"_key":"6fb5f9f4500b","_type":"block","children":[{"_key":"263820b284b90","_type":"span","marks":[],"text":"For example, let’s say you put £10,000 into your AJ Bell Stocks & Shares ISA during the current tax year and then withdraw £2,000. If you then went to pay this £2,000 "},{"_key":"263820b284b91","_type":"span","marks":["em"],"text":"back in"},{"_key":"263820b284b92","_type":"span","marks":[],"text":" during the same tax year, it would count as an"},{"_key":"263820b284b93","_type":"span","marks":["em"],"text":" additional"},{"_key":"263820b284b94","_type":"span","marks":[],"text":" £2,000 – taking your total contributions for the year up to £12,000 (and thus closer to the £20,000 allowance)."}],"markDefs":[],"style":"normal"},{"_key":"15cc7d0bf604","_type":"block","children":[{"_key":"cf57144bf6430","_type":"span","marks":[],"text":"On the other hand, a flexible ISA would enable you to withdraw funds and pay them back in without affecting your allowance."}],"markDefs":[],"style":"normal"},{"_key":"b8d25381a066","_type":"block","children":[{"_key":"072a4dcf850d","_type":"span","marks":[],"text":""},{"_key":"491adf7bda54","_type":"mainAnchor","pageAnchor":{"_ref":"d03cc619-c9e7-4fb3-875a-23822616f0a5","_type":"reference"}},{"_key":"406f686f8b8b0","_type":"span","marks":["strong"],"text":"How to withdraw money from AJ Bell"}],"markDefs":[],"style":"h3"},{"_key":"fb4e2ec2fe19","_type":"block","children":[{"_key":"5888355bedee0","_type":"span","marks":[],"text":"It’s a straightforward process to withdraw money from AJ Bell - you can withdraw cash from your Stocks & Shares ISA on the website. Simply log into your online account, select which account you want to withdraw cash from and select 'Withdrawals' from the account menu."}],"markDefs":[],"style":"normal"},{"_key":"583fa1a91d05","_type":"block","children":[{"_key":"f1531685e17d0","_type":"span","marks":[],"text":"For security purposes, you’ll be asked a series of authentication checks every time you withdraw from an AJ Bell account. From there it should take between one to three working days for the money to arrive in your linked bank account."}],"markDefs":[],"style":"normal"},{"_key":"653780d5508e","_type":"block","children":[{"_key":"923b9508a7c90","_type":"span","marks":[],"text":"Cash cannot be withdrawn from a JISA until your child turns 18. You can withdraw cash from a LISA at any time, however doing so for purposes other than to purchase your first property or save for retirement will incur a 25% penalty charge (effectively wiping out the government top-ups). You can only withdraw cash from a SIPP once you are aged 55 or older, whether or not you are still working."}],"markDefs":[],"style":"normal"},{"_key":"005f6aa9bac5","_type":"block","children":[{"_key":"02bf7b202edc","_type":"span","marks":[],"text":""},{"_key":"caeb70f344a9","_type":"mainAnchor","pageAnchor":{"_ref":"0e8ff136-c0de-47ea-b0d1-b535464d80a4","_type":"reference"}},{"_key":"fdc1384b71940","_type":"span","marks":["strong"],"text":"Does AJ Bell have inactivity fees?"}],"markDefs":[],"style":"h3"},{"_key":"e5ea72b352e6","_type":"block","children":[{"_key":"a4691feec6320","_type":"span","marks":[],"text":"There are no inactivity fees on any AJ Bell accounts."}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"8a0660cdc0c8","_type":"block","children":[{"_key":"21f8e881e929","_type":"span","marks":["strong"],"text":"Visit the AJ Bell website for more information"}],"markDefs":[],"style":"normal"}],"_key":"5e3be7b56080","_type":"ctaWidget","openNewTab":true,"partner":true,"reference":{"_id":"5a480dd3-c7ab-4c8b-984a-3de0046c41e8","_type":"linkCategory","_rev":"vIm9lhvf1eHBOprglWgSpR","_createdAt":"2021-09-30T09:59:44Z","_updatedAt":"2025-08-29T15:58:13Z","_system":{"base":{"id":"5a480dd3-c7ab-4c8b-984a-3de0046c41e8","rev":"guBcY84kuKMfbgZSFDkOMZ"}},"affiliateLink":true,"description":"Affiliate UTM AJ BELL ISA\n\n\nbraze-user-id replaced wherever it is in URL\nhttps://www.ajbell.co.uk/isa-affiliate?utm_source=boringmoney.co.uk&utm_medium=affiliates&utm_campaign=isa&SSKEY=f1986fa8a31947ec9b453c47b2a2f461&dclid=CJeB_L2P_oQDFTwkBgAd-poMCw","url":"https://clk.omgt1.com/?PID=9933&AID=2133228","id":"-82b9d58d-4529-5e49-985c-2840b3ad2dbb","children":[],"parent":null},"text":"VISIT SITE "},{"_key":"950ebdd8e0c3","_type":"block","children":[{"_key":"24f8038ad740","_type":"span","marks":[],"text":""},{"_key":"49d812ed8a38","_type":"mainAnchor","pageAnchor":{"_ref":"08f91d37-f8e6-4d45-bf2f-c8d9fb950e62","_type":"reference"}},{"_key":"6b0ae7c1e7a0","_type":"span","marks":[],"text":"Glossary"}],"markDefs":[],"style":"h2"},{"LeftSideText":[{"_key":"fee6100bb3ec","_type":"block","children":[{"_key":"e8efc3d7ce4a","_type":"span","marks":["strong"],"text":"Not 100% sure you understand something we’ve written in this review? "}],"markDefs":[],"style":"normal"},{"_key":"9acb1a0520ad","_type":"block","children":[{"_key":"1b19a24ae829","_type":"span","marks":[],"text":"Discover jargon-free definitions of the most common words and technical terms used in the world of investing."}],"markDefs":[],"style":"normal"}],"_key":"e39a2e3430b4","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_id":"5d7b7a10-93b8-4e8e-b898-eeb81f7bb976","_type":"information","_rev":"tog0wU1YHKUDgALpAlmmZ1","_createdAt":"2023-11-13T14:54:54Z","_updatedAt":"2024-12-20T10:04:12Z","authors":[{"_key":"37f62d1292a8","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"body":[{"_key":"71d249d9d01f","_type":"block","children":[{"_key":"c44a72677fe0","_type":"span","marks":["strong"],"text":"Boring Money's glossary has been created to help you better understand the world of finance and investing. Use it to break through the jargon and learn about common financial words and technical terms that relate to your money. We hope you find it helpful and easy to understand - whether you're a beginner investor or a budding Wolf of Wall Street."}],"markDefs":[],"style":"normal"},{"_key":"0622aa4999ff","_type":"block","children":[{"_key":"ac560989e19a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"626942a663a9","_type":"mainImage","alt":"An image of an open book and a set of Scrabble letters spelling out 'glossary'","asset":{"_ref":"image-e7bb499b6f0e9736ca8cd31bd4ea6864375b3101-1920x1080-png","_type":"reference"}},{"_key":"706b03ba0de6","_type":"block","children":[{"_key":"75b8a99586c0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"565c0c44e4be","_type":"block","children":[{"_key":"36a2528cf8c5","_type":"span","marks":[],"text":"How does it work?"}],"markDefs":[],"style":"h3"},{"_key":"9d83116f0520","_type":"block","children":[{"_key":"9ca4b8af735f","_type":"span","marks":[],"text":"Scroll down to begin learning about terms starting with the letter 'A' or use the menu to the left (below on mobile) to skip to the section you're looking for."}],"markDefs":[],"style":"normal"},{"_key":"4288ba86f457","_type":"anchorMenuMobile","title":"s"},{"_key":"f5045e0032ed","_type":"block","children":[{"_key":"6f2de6882cc7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"40848fa4f9f3","_type":"block","children":[{"_key":"8d84c97822a0","_type":"span","marks":[],"text":""},{"_key":"55f89ac5b1f8","_type":"mainAnchor","pageAnchor":{"_ref":"9f33a9fe-bf26-47e6-980a-92ef56b35048","_type":"reference"}},{"_key":"6d156f2bb4ec","_type":"span","marks":[],"text":""},{"_key":"f9cdf9c18a56","_type":"mainAnchor","pageAnchor":{"_ref":"7f2fc9e3-0c19-418f-8982-8172e658c6e6","_type":"reference"}},{"_key":"f459a572abb6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a676fa7fc813","_type":"dropdownWidget","items":[{"_key":"4231c712c52f","_type":"dropdownObject","text":[{"_key":"37f2f69c7e6d","_type":"block","children":[{"_key":"323f23660f73","_type":"span","marks":[],"text":"Accumulating (Acc)"}],"markDefs":[],"style":"h4"},{"_key":"1517798f4932","_type":"block","children":[{"_key":"ca4b7e32c4fb","_type":"span","marks":[],"text":"This is a descriptor used when a fund reinvests any dividends back into the fund itself and thus accumulates over time. In other words, you do not earn an income from an Acc fund, but it may suit 'growth' investors who want to prioritise the value of their assets growing over time."}],"markDefs":[],"style":"normal"},{"_key":"06fe8c08d34c","_type":"block","children":[{"_key":"c00d44a3a0a1","_type":"span","marks":[],"text":"Actively managed"}],"markDefs":[],"style":"h4"},{"_key":"cc645aa7f11c","_type":"block","children":[{"_key":"b5216f215395","_type":"span","marks":[],"text":"An actively managed investment is run by a professional or group of professionals, usually called portfolio managers or fund managers, who make decisions about what to buy to try and outperform the market for their customers. Actively managed investments are different from passive investments."}],"markDefs":[],"style":"normal"},{"_key":"8a51ed8d3cb6","_type":"block","children":[{"_key":"2ad7da7a77c4","_type":"span","marks":[],"text":"Alpha"}],"markDefs":[],"style":"h4"},{"_key":"38ae0c3ea765","_type":"block","children":[{"_key":"b887c801ca5f0","_type":"span","marks":[],"text":"Alpha is how much better (or worse) an investment performs compared to what you'd expect it to perform, considering its risk level."}],"markDefs":[],"style":"normal"},{"_key":"036f3b595cd1","_type":"block","children":[{"_key":"e91a4879862a0","_type":"span","marks":[],"text":"Think of it like this: If you're taking on a certain amount of risk with an investment, there's a typical return you should expect. Alpha tells you if you're getting more or less than that expected return. A positive alpha means you're beating expectations, while a negative alpha means you're falling short."}],"markDefs":[],"style":"normal"},{"_key":"47ceb3d0e5b3","_type":"block","children":[{"_key":"be9cea48e946","_type":"span","marks":[],"text":"Annuity"}],"markDefs":[],"style":"h4"},{"_key":"e65b4d55194e","_type":"block","children":[{"_key":"ddbe25414f44","_type":"span","marks":[],"text":"An annuity is a product you can buy which pays out a guaranteed, regular stream of income. They are most often purchased by retirees to convert their retirement savings into annual income packages. This is an alternative to pension drawdown, where you withdraw cash from your pension at your own discretion."}],"markDefs":[],"style":"normal"},{"_key":"099e5cf58cd6","_type":"block","children":[{"_key":"2f6cb36e28fe","_type":"span","marks":[],"text":"Asset"}],"markDefs":[],"style":"h4"},{"_key":"18b4a1b002ae","_type":"block","children":[{"_key":"926ed2451b39","_type":"span","marks":[],"text":"Assets are anything you own that has monetary value. In the investing world, these are the individual things you're investing in. Common examples of assets include shares, bonds, property or cash. Asset allocation refers to how different assets are divided up as part of an investment portfolio."}],"markDefs":[],"style":"normal"},{"_key":"dab68c3b6bb7","_type":"block","children":[{"_key":"bfc283794767","_type":"span","marks":[],"text":"Asset allocation"}],"markDefs":[],"style":"h4"},{"_key":"26ce35095abc","_type":"block","children":[{"_key":"a291ba78009c","_type":"span","marks":[],"text":"Asset allocation refers to the way an investor divides their portfolio among different asset classes. For example, 70% in shares and 30% in bonds. The mix of different assets and the proportion of the overall portfolio that these they make up is a key component of managing a successful investment portfolio."}],"markDefs":[],"style":"normal"},{"_key":"9e980c7e8754","_type":"block","children":[{"_key":"ec3e78058b24","_type":"span","marks":[],"text":"Asset class"}],"markDefs":[],"style":"h4"},{"_key":"62e64c1903ce","_type":"block","children":[{"_key":"6d7fcedf18fc","_type":"span","marks":[],"text":"An asset class or asset type is a group of assets which share similar characteristics and are subject to the same rules and regulations. For example, shares, bonds, cash, foreign currency and property are all different asset classes."}],"markDefs":[],"style":"normal"},{"_key":"9dee2de9597f","_type":"block","children":[{"_key":"36fcf25cd6a6","_type":"span","marks":[],"text":"Asset manager"}],"markDefs":[],"style":"h4"},{"_key":"3ad4e7951296","_type":"block","children":[{"_key":"56b0f6520f8e","_type":"span","marks":[],"text":"An asset manager is an individual or company whose job is to create and manage investments. Asset management firms develop, manage and continually monitor investment products, such as funds, with the aim of generating growth for their investors. Examples of large asset management firms include BlackRock, Fidelity and Invesco."}],"markDefs":[],"style":"normal"},{"_key":"5ebb41045d42","_type":"block","children":[{"_key":"b2c24736f8af","_type":"span","marks":[],"text":"Ask price"}],"markDefs":[],"style":"h4"},{"_key":"f06a7b38f586","_type":"block","children":[{"_key":"d232e86c9379","_type":"span","marks":[],"text":"The ask price is the lowest price at which a seller states they are willing to sell an investment. It is often referred to in conjunction with the bid price or the bid-ask spread."}],"markDefs":[],"style":"normal"},{"_key":"d8b3a16e38e2","_type":"block","children":[{"_key":"7df1011bfe49","_type":"span","marks":[],"text":"Assets Under Management (AUM)"}],"markDefs":[],"style":"h4"},{"_key":"de3a3453aa14","_type":"block","children":[{"_key":"744a2102ea02","_type":"span","marks":[],"text":"AUM stands for Assets Under Management and refers to the total market value of the investments managed by an entity such as a fund or a bank. In other words, it shows how much money is currently in invested in it, based on today's valuations. For example, if 1,000 investors put £1 into a fund, the fund would have £1,000 AUM. If the market then went up by 10%, its AUM would rise to £1,100."}],"markDefs":[],"style":"normal"}],"title":"A"}]},{"_key":"9426e466fc01","_type":"block","children":[{"_key":"0868deee419b","_type":"span","marks":[],"text":""},{"_key":"ed0281f96ed1","_type":"mainAnchor","pageAnchor":{"_ref":"83dd3813-7e20-41a6-9d6f-2400df97ef06","_type":"reference"}},{"_key":"d7533db16edd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4f32e512718f","_type":"dropdownWidget","items":[{"_key":"1f66a423f34d","_type":"dropdownObject","text":[{"_key":"e3a91e48b13e","_type":"block","children":[{"_key":"f01613493bd3","_type":"span","marks":[],"text":"Base rate"}],"markDefs":[],"style":"h4"},{"_key":"953c008bf369","_type":"block","children":[{"_key":"fed6b9794a7f","_type":"span","marks":[],"text":"The base rate is the interest rate which central banks, such as the Bank of England, charge other banks and financial institutions for taking out a loan. It influences the interest rates charged on things like personal loans and mortgages. For example, if the base rate goes up, the interest rate on a personal loan may go up. The Bank of England website has a useful illustration of the base rate and its historic movements "},{"_key":"65073a82f5b4","_type":"span","marks":["294f87d04ee5"],"text":"here"},{"_key":"ce325060ab94","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"294f87d04ee5","_type":"internalLinkPick","reference":{"_ref":"0273c843-7730-468c-8dae-3576ce29fda7","_type":"reference"}}],"style":"normal"},{"_key":"3fe6f158a436","_type":"block","children":[{"_key":"320ee5c43f00","_type":"span","marks":[],"text":"Basis points (bps)"}],"markDefs":[],"style":"h4"},{"_key":"77392871e776","_type":"block","children":[{"_key":"76782f22eb64","_type":"span","marks":[],"text":"Basis points or bps are a unit of measurement equal to 1/100th of a percentage point. This is commonly used to express changes to interest rates or prices, such as when a investment company alters its fees. You might, for example, hear on the news that the Bank of England has increased interest rates by 25 basis points (0.25%)."}],"markDefs":[],"style":"normal"},{"_key":"0e3e99b9a0ec","_type":"block","children":[{"_key":"cd99224042b7","_type":"span","marks":[],"text":"Bear market"}],"markDefs":[],"style":"h4"},{"_key":"a5a4028a6402","_type":"block","children":[{"_key":"72714a34b9860","_type":"span","marks":[],"text":"A bear market happens when share prices are falling or are expected to fall - like during a recession (hence it is generally considered to signal tough times ahead). The broad definition of a bear market is when a large proportion of share prices fall 20% or more. The adjective \"bearish\" can be used to describe individual assets, such as shares or currency, as well as the stock market itself. It is the opposite of \"bull market\"."}],"markDefs":[],"style":"normal"},{"_key":"b650d524c736","_type":"block","children":[{"_key":"93956ba104f7","_type":"span","marks":[],"text":"Benchmark"}],"markDefs":[],"style":"h4"},{"_key":"ba5e95becc76","_type":"block","children":[{"_key":"62f8fb8400ad","_type":"span","marks":[],"text":"A benchmark is the standard against which an investment is measured in order to judge its relative performance, asset allocation or risk. It’s usually an index or fund that is used as a point of comparison for investments made up of similar assets. For example, the S&P 500 index is a common benchmark used to compare the performance of shares in large, American companies."}],"markDefs":[],"style":"normal"},{"_key":"13b261412d98","_type":"block","children":[{"_key":"0fb88dd461ff","_type":"span","marks":[],"text":"Beneficiary"}],"markDefs":[],"style":"h4"},{"_key":"039ad5b3883b","_type":"block","children":[{"_key":"0c1ab210da81","_type":"span","marks":[],"text":"A beneficiary is an individual who receives money or assets, usually as part of a deceased person's will, pension or life insurance policy. You can usually nominate your chosen beneficiary or beneficiaries, but unless specified otherwise, your spouse, civil partner and/or next of kin are typically treated as your beneficiaries by default."}],"markDefs":[],"style":"normal"},{"_key":"40e65eb9d02a","_type":"block","children":[{"_key":"49a303acc7ff","_type":"span","marks":[],"text":"Bid-ask spread"}],"markDefs":[],"style":"h4"},{"_key":"98c76c5c6e2a","_type":"block","children":[{"_key":"b02d71561f0e","_type":"span","marks":[],"text":"The bid-ask spread is the amount by which the ask price (the lowest price the seller is willing to sell at) exceeds the bid price (the highest price the buyer is willing to buy at). A low bid-ask spread is considered more desirable as it facilitates quicker and easier trades, whereas a high bid-ask spread may become an obstacle and make it more difficult to complete a trade."}],"markDefs":[],"style":"normal"},{"_key":"73b7314ce137","_type":"block","children":[{"_key":"1ffc1d9e80f2","_type":"span","marks":[],"text":"Bid price"}],"markDefs":[],"style":"h4"},{"_key":"be1f08a4cb5d","_type":"block","children":[{"_key":"2660920b7428","_type":"span","marks":[],"text":"The bid price is the highest price a buyer is willing to pay for an investment. It's often referred to in conjunction with the ask price or the bid-ask spread."}],"markDefs":[],"style":"normal"},{"_key":"ad47e8b69c37","_type":"block","children":[{"_key":"d6642431907f","_type":"span","marks":[],"text":"Bond"}],"markDefs":[],"style":"h4"},{"_key":"1086f1593163","_type":"block","children":[{"_key":"36c41fda7d6c","_type":"span","marks":[],"text":"A bond is a type of asset that represents a loan. Bonds are usually issued by a government, company or agency that wants to raise money to fund its operations. The loan is granted in exchange for a defined rate of interest, called a \"coupon\", over a set period of time. At the end of this period, the initial amount is repaid in full - on top of the accrued interest. "}],"markDefs":[],"style":"normal"},{"_key":"944ac4a5b7a8","_type":"block","children":[{"_key":"303b551b4f65","_type":"span","marks":[],"text":"Bull market"}],"markDefs":[],"style":"h4"},{"_key":"11cb1724a666","_type":"block","children":[{"_key":"fb43c016d7f7","_type":"span","marks":[],"text":"A bull market occurs when prices are rising or are expected to rise - for example, during a recovery after a recession (therefore it is often seen as a positive sign). The most widely-accepted point at which it becomes a bull market is when a large proportion of share prices rise 20% or more. Like \"bearish\", the term \"bullish\" can also be used to describe individual assets as well as the stock market."}],"markDefs":[],"style":"normal"}],"title":"B"}]},{"_key":"5ecf0c91627c","_type":"block","children":[{"_key":"64a289cbf370","_type":"span","marks":[],"text":""},{"_key":"804133d4cacc","_type":"mainAnchor","pageAnchor":{"_ref":"5527799a-6336-4789-87ba-9c1a41547057","_type":"reference"}},{"_key":"e1880a04ce67","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cbcf283a4cb8","_type":"dropdownWidget","items":[{"_key":"0379e3b9ffd2","_type":"dropdownObject","text":[{"_key":"2291889539ae","_type":"block","children":[{"_key":"1540d6ea60190","_type":"span","marks":[],"text":"Capital gains"}],"markDefs":[],"style":"h4"},{"_key":"417d58fff95b","_type":"block","children":[{"_key":"01333c1618c6","_type":"span","marks":[],"text":"A capital gain is the profit - the \"gain\" or sometimes called the \"return\" - you make if you sell an investment at a higher price than what you bought it for."}],"markDefs":[],"style":"normal"},{"_key":"14c849774176","_type":"block","children":[{"_key":"e41742f57156","_type":"span","marks":[],"text":"Capital Gains Tax (CGT)"}],"markDefs":[],"style":"h4"},{"_key":"523b87035a57","_type":"block","children":[{"_key":"b2a176e90d5e","_type":"span","marks":[],"text":"Capital Gains Tax or CGT is a tax charged on the gains you make from selling an investment. It only applies if your gains exceed the annual allowance and is calculated at different rates depending on your usual tax bracket. It does not apply if you invest through a tax-free ISA. See our full guide "},{"_key":"23f5530af69b","_type":"span","marks":["5333e4dc7c81"],"text":"here"},{"_key":"b177ec33e172","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"5333e4dc7c81","_type":"internalLinkPick","reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}}],"style":"normal"},{"_key":"e131cf527dc2","_type":"block","children":[{"_key":"568c655acceb","_type":"span","marks":[],"text":"Commodity"}],"markDefs":[],"style":"h4"},{"_key":"ffc841627173","_type":"block","children":[{"_key":"0e9764833cd0","_type":"span","marks":[],"text":"A commodity is a physical asset - usually a raw material or resource - such as wheat, gold or oil. \"Hard\" commodities refer to assets which must be mined or extracted, like gold or oil. \"Soft\" commodities are farmed or grown, such as wheat or coffee."}],"markDefs":[],"style":"normal"},{"_key":"925f76196a02","_type":"block","children":[{"_key":"df1b286ea923","_type":"span","marks":[],"text":"Compound interest"}],"markDefs":[],"style":"h4"},{"_key":"172a4d9f7b98","_type":"block","children":[{"_key":"044f75d18415","_type":"span","marks":[],"text":"Compound interest is the interest earned on savings or investments, including any earned previously. It grows exponentially and is a key advantage to starting out investing sooner rather than later - to give your investments more time, and thus more opportunity, to grow."}],"markDefs":[],"style":"normal"},{"_key":"e798e224c73a","_type":"block","children":[{"_key":"fad7af764672","_type":"span","marks":[],"text":"Consumer Price Index (CPI)"}],"markDefs":[],"style":"h4"},{"_key":"9818f8d23135","_type":"block","children":[{"_key":"f9a479008f5c","_type":"span","marks":[],"text":"The Consumer Price Index or CPI is a widely-used measure of inflation. It is used to represent the average change in prices across a range of goods and services that are typically purchased by UK households - for example, food and clothing. Core CPI excludes energy, food, alcohol and tobacco."}],"markDefs":[],"style":"normal"},{"_key":"39094b1cec8d","_type":"block","children":[{"_key":"5f7724e63ffa","_type":"span","marks":[],"text":"Copy trader"}],"markDefs":[],"style":"h4"},{"_key":"fc45fb444e81","_type":"block","children":[{"_key":"dbad6fb88be4","_type":"span","marks":[],"text":"A copy trader is someone who replicates the trades of someone else - usually, but not necessarily, an investing professional. The idea is to find an individual with a good track record and then copy their trades without having to assess or analyse anything yourself."}],"markDefs":[],"style":"normal"},{"_key":"32d73502e011","_type":"block","children":[{"_key":"6bb0057d23bf","_type":"span","marks":[],"text":"Corporate bond"}],"markDefs":[],"style":"h4"},{"_key":"671cdb804b1c","_type":"block","children":[{"_key":"bbd639400aed","_type":"span","marks":[],"text":"A corporate bond is a type of bond issued by a company. "}],"markDefs":[],"style":"normal"},{"_key":"c96a547a2bd7","_type":"block","children":[{"_key":"26b5e8c4cf51","_type":"span","marks":[],"text":"Credit rating"}],"markDefs":[],"style":"h4"},{"_key":"39869e40a5e5","_type":"block","children":[{"_key":"cb47f569539f","_type":"span","marks":[],"text":"A credit rating is a letter grade given to the issuer of a bond to indicate its \"quality\" - that is, the likelihood that the issuer will be able to keep up with their repayments and not default. The biggest bond credit rating agencies in the world are Standard & Poors, Moody's and Fitch. Credit ratings are regularly reviewed and can change at any time."}],"markDefs":[],"style":"normal"},{"_key":"da6c3c36816d","_type":"block","children":[{"_key":"e95462dc2e6a","_type":"span","marks":[],"text":"Credit reference agencies"}],"markDefs":[],"style":"h4"},{"_key":"efab9ccb32df","_type":"block","children":[{"_key":"2d8210715c17","_type":"span","marks":[],"text":"Credit reference agencies are companies which monitor and investigate an individual's personal and financial records to make a judgement on whether or not lenders should lend them money. This judgement is called a credit score. Banks and loan companies use credit reference agencies to determine if someone is essentially trustworthy or not, based on factors such as their financial stability and their history of using credit responsibly. The biggest credit reference agencies in the UK are Equifax, Experian and Transunion. You can read more about credit reference agencies and scores in our guide "},{"_key":"dca782b99c6a","_type":"span","marks":["1ecaca13bbc1"],"text":"here"},{"_key":"77150c16aa41","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"1ecaca13bbc1","_type":"internalLinkPick","reference":{"_ref":"c35a2e48-fee0-4432-9a04-c3843110c519","_type":"reference"}}],"style":"normal"},{"_key":"9e9511602cd3","_type":"block","children":[{"_key":"fdc6fb0ad574","_type":"span","marks":[],"text":"Credit score"}],"markDefs":[],"style":"h4"},{"_key":"dcbf5a620aa6","_type":"block","children":[{"_key":"fbac345cf8e0","_type":"span","marks":[],"text":"A credit score is number which represents an individual's perceived creditworthiness - that is, how trustworthy and sensible you can be when you're given credit from a lender. Having and maintaining a good credit score can mean you get access to lower interest rates when you borrow or on your mortgage. A poor credit score can mean you are refused credit, such as a loan, which in turn can drag your score down even further. You can read more about credit scores in our full guide "},{"_key":"5b94a6a2fc04","_type":"span","marks":["b92a08e0e54d"],"text":"here"},{"_key":"380456b52813","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b92a08e0e54d","_type":"internalLinkPick","reference":{"_ref":"c35a2e48-fee0-4432-9a04-c3843110c519","_type":"reference"}}],"style":"normal"},{"_key":"eab5c250ee9a","_type":"block","children":[{"_key":"feecf9f1c857","_type":"span","marks":[],"text":"Cryptocurrency"}],"markDefs":[],"style":"h4"},{"_key":"9cc75c1e390c","_type":"block","children":[{"_key":"5f051b150e01","_type":"span","marks":[],"text":"Cryptocurrency or just \"crypto\" is a type of digital or virtual currency that uses cryptography for secure and decentralised (not managed by a central bank or government) transactions. Cryptocurrencies use a technology called blockchain to record and verify transactions. They can be used to buy goods and services online, and their value can fluctuate, similar to traditional currencies. Examples of cryptocurrencies include Bitcoin and Ethereum. As they're not controlled by central banks, cryptocurrencies tend to be highly volatile so prices can fluctuate frequently and significantly."}],"markDefs":[],"style":"normal"},{"_key":"4fd6edeaec1a","_type":"block","children":[{"_key":"1518ea976f720","_type":"span","marks":[],"text":"\n"}],"markDefs":[],"style":"normal"}],"title":"C"}]},{"_key":"4b6b7fd8b07b","_type":"block","children":[{"_key":"ada48575a2af","_type":"span","marks":[],"text":""},{"_key":"6530e9c4006c","_type":"mainAnchor","pageAnchor":{"_ref":"910b05df-3708-42e8-97a7-169bace209dc","_type":"reference"}},{"_key":"7b93e7b2e8c0","_type":"span","marks":[],"text":""},{"_key":"0bf5c2186bdc","_type":"mainAnchor","pageAnchor":{"_ref":"ad8b1420-9d8d-410a-b18d-2daa20381fcc","_type":"reference"}},{"_key":"e8b1e9b70cc5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dab1c4611b0a","_type":"dropdownWidget","items":[{"_key":"56026e1440db","_type":"dropdownObject","text":[{"_key":"b1a5d07b5519","_type":"block","children":[{"_key":"80c833b2a5e6","_type":"span","marks":[],"text":"Day trading"}],"markDefs":[],"style":"h4"},{"_key":"d456dd423bbd","_type":"block","children":[{"_key":"087683ad21d9","_type":"span","marks":[],"text":"Day trading is the practice of rapidly buying and selling shares throughout the day in the hope of making a profit as a result of small price fluctuations. This is a technique used by experienced investors and involves holding investments for as little as seconds before selling them on again."}],"markDefs":[],"style":"normal"},{"_key":"ad51307e03f7","_type":"block","children":[{"_key":"66009eb60584","_type":"span","marks":[],"text":"Deflation"}],"markDefs":[],"style":"h4"},{"_key":"eaf1f5e0a1aa","_type":"block","children":[{"_key":"33a0aa1e3191","_type":"span","marks":[],"text":"Deflation is the opposite of inflation. It occurs when the average price of goods and services decreases - or, simply put, when inflation falls below 0%."}],"markDefs":[],"style":"normal"},{"_key":"b113932d8759","_type":"block","children":[{"_key":"ad06d7ffd382","_type":"span","marks":[],"text":"Derivatives"}],"markDefs":[],"style":"h4"},{"_key":"52162e92758f","_type":"block","children":[{"_key":"7319e1b21a9b0","_type":"span","marks":[],"text":"A derivative is a financial contract that derives its value from the performance of an underlying asset, such as shares, bonds, commodities, or indices. It doesn't have intrinsic value on its own but rather \"derives\" its value from the price movements of the underlying asset. Derivatives can be used for various purposes, such as hedging against risks or speculating on price movements."}],"markDefs":[],"style":"normal"},{"_key":"a394c84d991b","_type":"block","children":[{"_key":"b6049561925e","_type":"span","marks":[],"text":"Distributing (Dist)"}],"markDefs":[],"style":"h4"},{"_key":"d92275473edc","_type":"block","children":[{"_key":"b91003a2ff33","_type":"span","marks":[],"text":"This is a descriptor used when a fund pays out a dividend to its investors. It is the opposite of an Accumulation or 'Acc' fund (see definition under 'A')."}],"markDefs":[],"style":"normal"},{"_key":"539ee7d465b2","_type":"block","children":[{"_key":"65bd7ce14307","_type":"span","marks":[],"text":"Diversification"}],"markDefs":[],"style":"h4"},{"_key":"329208177bd2","_type":"block","children":[{"_key":"3b6a386c064f","_type":"span","marks":[],"text":"Diversification is the process of spreading your investment portfolio across different asset classes, such as partially in shares and partially in bonds, in order to reduce risk. In other words, you're not putting all your eggs in one basket."}],"markDefs":[],"style":"normal"},{"_key":"c96483c20943","_type":"block","children":[{"_key":"6a15f3d9e40c","_type":"span","marks":[],"text":"Dividends"}],"markDefs":[],"style":"h4"},{"_key":"81ec74a9bae8","_type":"block","children":[{"_key":"0ef8678d6d8c","_type":"span","marks":[],"text":"A dividend is like a cash bonus you get in return for investing in something. Dividends can be paid out on a monthly, biannual or annual basis and are attractive to investors who want a regular source of income from their portfolio."}],"markDefs":[],"style":"normal"},{"_key":"4c75ea0167f5","_type":"block","children":[{"_key":"a588336ef627","_type":"span","marks":[],"text":"Dividend Tax"}],"markDefs":[],"style":"h4"},{"_key":"fb9b962ffb9c","_type":"block","children":[{"_key":"505efaba78bd","_type":"span","marks":[],"text":"Dividend Tax is a type of tax you pay on any dividends you receive which exceed a certain threshold (£1,000 for the 2023-24 tax year). The rate of Dividend Tax payable depends on your usual tax bracket. The good news is that you don't need to worry about paying it if you invest through an ISA - because it's completely shielded from tax. Read more on Dividend Tax "},{"_key":"a29ca2f7f744","_type":"span","marks":["1e3e7b70b4a2"],"text":"here"},{"_key":"ffae21d9273f","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"1e3e7b70b4a2","_type":"internalLinkPick","reference":{"_ref":"57154d8d-128e-4541-9b01-04fa337e30da","_type":"reference"}}],"style":"normal"},{"_key":"9233f5698c24","_type":"block","children":[{"_key":"bd6807f9443a","_type":"span","marks":[],"text":"Dividend yield"}],"markDefs":[],"style":"h4"},{"_key":"5c22f9656b4a","_type":"block","children":[{"_key":"a40094e339e7","_type":"span","marks":[],"text":"Dividend yields are used to compare the relative value of dividends across different investments. It's calculated by dividing the annual dividend per share by the current share price. For example, if the share price of a company was £100 and the annual dividend was £3, that would mean the dividend yield was 3%. However, let's say there was another company which had a share price of £300 but its dividends were also £3 - in this case, the dividend yield would be just 1%."}],"markDefs":[],"style":"normal"},{"_key":"e422ccc71322","_type":"block","children":[{"_key":"6dd3c3622cb6","_type":"span","marks":[],"text":"Drawdown"}],"markDefs":[],"style":"h4"},{"_key":"815a577048c1","_type":"block","children":[{"_key":"0e5db08726bf","_type":"span","marks":[],"text":"Drawdown is a method of accessing your pension which involves taking out money when you want to, as opposed to in regular intervals like with an annuity. Flexi-access drawdown is a type of drawdown that gives you the flexibility to withdraw as and when you choose while leaving the rest of your pension invested. Capped drawdown is less common but involves having a maximum amount you can withdraw from your pot each year."}],"markDefs":[],"style":"normal"},{"_key":"1a86b1810957","_type":"block","children":[{"_key":"90b1dd69c087","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"D"}]},{"_key":"8bffcbc2afc5","_type":"block","children":[{"_key":"ca78c9cc03f5","_type":"span","marks":[],"text":""},{"_key":"72158018629f","_type":"mainAnchor","pageAnchor":{"_ref":"8b17cc79-4360-4530-9922-0aad8843a36b","_type":"reference"}},{"_key":"243c743ccb0c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"abd9c07924b7","_type":"dropdownWidget","items":[{"_key":"ebb83dae0d6d","_type":"dropdownObject","text":[{"_key":"b8d8ae1df1a4","_type":"block","children":[{"_key":"b7f8f0496ec7","_type":"span","marks":[],"text":"Emerging market"}],"markDefs":[],"style":"h4"},{"_key":"988036eac608","_type":"block","children":[{"_key":"e6ce0d5aff4c","_type":"span","marks":[],"text":"An emerging market is a country with an economy considered to be at an earlier stage of development than a more established country - e.g. India compared to the USA. Emerging market investments are usually considered to carry more risk, often because there is less information about them or less strong regulation in the economy they're based in."}],"markDefs":[],"style":"normal"},{"_key":"0bf72b93a6b3","_type":"block","children":[{"_key":"f281244e9629","_type":"span","marks":[],"text":"Equities"}],"markDefs":[],"style":"h4"},{"_key":"f82c7aff08b0","_type":"block","children":[{"_key":"92f7cd20a2bb","_type":"span","marks":[],"text":"Equities are another word for shares or stocks. They are small slices of a company which you can own and buy or sell on the stock market."}],"markDefs":[],"style":"normal"},{"_key":"141ae14822b1","_type":"block","children":[{"_key":"296f517ba03e","_type":"span","marks":[],"text":"ESG"}],"markDefs":[],"style":"h4"},{"_key":"f5d2b8a0a21b","_type":"block","children":[{"_key":"f5fee22e6598","_type":"span","marks":[],"text":"An acronym for Environmental, Social and Governance, ESG is a broad set of metrics often used to measure the perceived sustainability of an investment. ESG is increasingly popular as a method of assessing the environmental and social impact of investments, particularly for investors looking for \"green\" or \"impact\" investments - essentially, investments that claim to do some good for the world."}],"markDefs":[],"style":"normal"},{"_key":"b4065cf8967d","_type":"block","children":[{"_key":"ab1394a07929","_type":"span","marks":[],"text":"Exchange-Traded Fund (ETF)"}],"markDefs":[],"style":"h4"},{"_key":"c181cc772c9c","_type":"block","children":[{"_key":"ca38451ec42a","_type":"span","marks":[],"text":"An Exchange Traded Fund or ETF is a type of fund made up of a number of assets which can be bought and sold on the stock market, in the same way as you would with individual shares. ETFs can invest in lots of different asset classes. Think of them like an investment \"playlist\" - an easy way to access a collection of things. Read our full guide "},{"_key":"23158402d5f1","_type":"span","marks":["56ae5a394317"],"text":"here"},{"_key":"c394c37cb220","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"56ae5a394317","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}}],"style":"normal"},{"_key":"c78dc6d2781c","_type":"block","children":[{"_key":"74dc5e3de049","_type":"span","marks":[],"text":"Exchange-Traded Commodity (ETC)"}],"markDefs":[],"style":"h4"},{"_key":"7aebfd8a61b3","_type":"block","children":[{"_key":"26e6ff37c6ef","_type":"span","marks":[],"text":"Exchange-Traded Commodities or ETCs are traded on the stock market, like individual shares, but track the price of a commodity or commodity index. They allow investors to gain exposure to commodities without buying the commodity itself (e.g. bars of real gold). ETCs have a share price which moves up and down as the price of the underlying commodity fluctuates in value. ETC can also sometimes refer to a commodity-focused ETF."}],"markDefs":[],"style":"normal"},{"_key":"9328c8205f0d","_type":"block","children":[{"_key":"1aac8935be460","_type":"span","marks":[],"text":"Exchange rate"}],"markDefs":[],"style":"h4"},{"_key":"d1c75783bf6e","_type":"block","children":[{"_key":"d561f1a357bb","_type":"span","marks":[],"text":"The exchange rate is the value of one country’s currency compared to that of another country. For example, if the exchange rate for US dollars to Euros was 1.5, you would receive 1.5 US dollars for every 1 Euro. "}],"markDefs":[],"style":"normal"},{"_key":"1f9566e93f88","_type":"block","children":[{"_key":"fbc41b219e1c","_type":"span","marks":[],"text":"Exposure"}],"markDefs":[],"style":"h4"},{"_key":"89bdc66ae746","_type":"block","children":[{"_key":"c82ac913472f","_type":"span","marks":[],"text":"Exposure is the proportion of an fund or portfolio invested in a sector, asset class or region, usually expressed as a percentage of the overall portfolio. For example, a fund with 75% exposure to China would have 75% of its assets invested in products related to or in China."}],"markDefs":[],"style":"normal"}],"title":"E"}]},{"_key":"ed105803ac21","_type":"block","children":[{"_key":"50ef4379faf6","_type":"span","marks":[],"text":""},{"_key":"1a9a9d6c5bbe","_type":"mainAnchor","pageAnchor":{"_ref":"cab87a53-d248-4bca-9027-95cde5f09dee","_type":"reference"}},{"_key":"7e9d5954b399","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7d4031f100e7","_type":"dropdownWidget","items":[{"_key":"20f49d4cdd10","_type":"dropdownObject","text":[{"_key":"5664818f4188","_type":"block","children":[{"_key":"0df3cd7dfc07","_type":"span","marks":[],"text":"Fiscal year"}],"markDefs":[],"style":"h4"},{"_key":"9eae0a83b473","_type":"block","children":[{"_key":"f0351ceb38b0","_type":"span","marks":[],"text":"A fiscal, financial or tax year is a 12-month period identified for accounting, auditing and budgeting purposes which differs from the normal 1 January - 31 December calendar year. For example, the UK government's fiscal year is from 6 April - 5 April. "}],"markDefs":[],"style":"normal"},{"_key":"c251759cf163","_type":"block","children":[{"_key":"b592f9d4e61e","_type":"span","marks":[],"text":"Fixed income"}],"markDefs":[],"style":"h4"},{"_key":"4603ba5063b2","_type":"block","children":[{"_key":"c88a1d384089","_type":"span","marks":[],"text":"Fixed income is the name given to an asset class which pays investors a regular source of income - for example, from bonds. Fixed income investments do not fluctuate, like dividends can, nor do they move in line with inflation."}],"markDefs":[],"style":"normal"},{"_key":"b6c17a01b889","_type":"block","children":[{"_key":"30ce13d2bc02","_type":"span","marks":[],"text":"Fractional shares"}],"markDefs":[],"style":"h4"},{"_key":"c206a008777a","_type":"block","children":[{"_key":"66d9c403be94","_type":"span","marks":[],"text":"A fractional share is a part of a whole share - for example, 0.25% of a share. Investors can opt to buy fractional shares if they want to invest a small amount in a share which is typically very expensive, such as with large companies like Amazon, Disney or Tesla. Fractional shares are helpful for investors who have a small portfolio or who are interested in buying a bit of a share but don’t want to commit to a whole one. "}],"markDefs":[],"style":"normal"},{"_key":"3c1b6f6a265d","_type":"block","children":[{"_key":"e2a5dbfa0079","_type":"span","marks":[],"text":"FTSE 100"}],"markDefs":[],"style":"h4"},{"_key":"83a1e4f7280a","_type":"block","children":[{"_key":"928b7f581ee4","_type":"span","marks":[],"text":"The FTSE 100, also called “Footsie”, is the name for the share index made up of the largest 100 companies by market capitalisation (total value of all shares) listed on the London Stock Exchange. It's commonly referred to when discussing the health and performance of the UK stock market."}],"markDefs":[],"style":"normal"},{"_key":"aebd66e5eab7","_type":"block","children":[{"_key":"6e11e5e98417","_type":"span","marks":[],"text":"FTSE 250"}],"markDefs":[],"style":"h4"},{"_key":"4ebc58be4858","_type":"block","children":[{"_key":"abfcaa7a8e4f","_type":"span","marks":[],"text":"The FTSE 250 is similar to the FTSE 100 and includes the largest companies on the London Stock Exchange by market capitalisation excluding the initial 100 largest from the FTSE 100. In other words, it's the 101st to the 350th largest companies on the London Stock Exchange. It is sometimes referred to when discussing the health and performance of the UK stock market."}],"markDefs":[],"style":"normal"},{"_key":"a61fd75f86d2","_type":"block","children":[{"_key":"1deb3cead9d3","_type":"span","marks":[],"text":"Fund"}],"markDefs":[],"style":"h4"},{"_key":"ed96baee948b","_type":"block","children":[{"_key":"d256c967f761","_type":"span","marks":[],"text":"A fund is a basket of investments managed for you by an expert. They typically have around 30-60 \"underlying\" investments in them and are a popular way of diversifying a portfolio and reducing risk. Read more about them in our full funds guide "},{"_key":"185086759adc","_type":"span","marks":["2d81e5eb8cb6"],"text":"here"},{"_key":"db38040a3500","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"2d81e5eb8cb6","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"57ec357674d5","_type":"block","children":[{"_key":"8b8400587495","_type":"span","marks":[],"text":"Fund manager"}],"markDefs":[],"style":"h4"},{"_key":"86e7deecf23f","_type":"block","children":[{"_key":"5b30f54e2f13","_type":"span","marks":[],"text":"A fund manager is an investment expert who is responsible for selecting and managing investments in a fund - or other investment products like investment trusts. They use their expertise to choose what to invest in and how to allocate it within the fund, as well as continually monitoring its performance to ensure it's generating growth for people investing in the fund."}],"markDefs":[],"style":"normal"}],"title":"F"}]},{"_key":"a38be3906eba","_type":"block","children":[{"_key":"df73d5b250eb","_type":"span","marks":[],"text":""},{"_key":"d0d71013b017","_type":"mainAnchor","pageAnchor":{"_ref":"4dd5ed17-59a0-4efb-8aec-67bb1d468820","_type":"reference"}},{"_key":"dba74f74a053","_type":"span","marks":[],"text":""},{"_key":"f77eb085a57c","_type":"mainAnchor","pageAnchor":{"_ref":"6f3e6a5c-8e66-4e76-9f23-89790f2ec8fd","_type":"reference"}},{"_key":"cbccf6bff950","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"fed58419d382","_type":"dropdownWidget","items":[{"_key":"067bd570d104","_type":"dropdownObject","text":[{"_key":"6cd8b64d9dd0","_type":"block","children":[{"_key":"7b0f7efc9ec8","_type":"span","marks":[],"text":"Gearing"}],"markDefs":[],"style":"h4"},{"_key":"0aad4cd1ead8","_type":"block","children":[{"_key":"e9ca1b55a71c","_type":"span","marks":[],"text":"Gearing is the act of borrowing money to fund a company's operations. It is sometimes used by investment trusts and can be expressed as a ratio, where the cost of the borrowed amount is compared to the overall value of the company - this is called the gearing ratio. Gearing is sometimes also called 'leveraging'."}],"markDefs":[],"style":"normal"},{"_key":"fec26648522d","_type":"block","children":[{"_key":"e07c16215398","_type":"span","marks":[],"text":"Gilt (government bond)"}],"markDefs":[],"style":"h4"},{"_key":"1085e39664c6","_type":"block","children":[{"_key":"17826c245155","_type":"span","marks":[],"text":"A gilt is a fixed income bond issued by the UK government. They are so named because, historically, the paper certificates used to issue these bonds had a gilt - gilded - edge. The government issues gilts in order to fund public spending."}],"markDefs":[],"style":"normal"},{"_key":"46bebfa029e5","_type":"block","children":[{"_key":"7ff4a2ce0db4","_type":"span","marks":[],"text":"Greenwashing"}],"markDefs":[],"style":"h4"},{"_key":"4e2e0b5f3ecb","_type":"block","children":[{"_key":"8efee328814d","_type":"span","marks":[],"text":"Greenwashing is the term used to describe when a company makes false claims or misleads investors about its sustainability credentials. This applies even if it has done so unknowingly. It's a common cause for concern among investors who want to invest in ESG-compliant investments."}],"markDefs":[],"style":"normal"},{"_key":"4225c50960dd","_type":"block","children":[{"_key":"e380cad18998","_type":"span","marks":[],"text":"Growth investing"}],"markDefs":[],"style":"h4"},{"_key":"bca8ea33f463","_type":"block","children":[{"_key":"bf04da473a05","_type":"span","marks":[],"text":"Growth investing refers to the strategy of investing in assets which have the potential to generate above-average gains. This can, for example, include a fund which reinvests a large proportion of its profits in order to drive future growth. It's the opposite to income investing, which uses surplus cash to pay out dividends."}],"markDefs":[],"style":"normal"},{"_key":"ab4cd12170b2","_type":"block","children":[{"_key":"99d86f941161","_type":"span","marks":[],"text":"Growth stock"}],"markDefs":[],"style":"h4"},{"_key":"c714fdf9f17e","_type":"block","children":[{"_key":"d5446942c070","_type":"span","marks":[],"text":"A growth stock refers to a company which is experiencing rapid uptick in earnings and opts to reinvest this extra cash to fund its operations - rather than paying out dividends as an income stock would."}],"markDefs":[],"style":"normal"}],"title":"G"}]},{"_key":"efe4b5c66777","_type":"block","children":[{"_key":"08dc4bfb0f7e","_type":"span","marks":[],"text":""},{"_key":"e52ff3511982","_type":"mainAnchor","pageAnchor":{"_ref":"df2f7fcf-4fe3-4664-9977-c954f802f13d","_type":"reference"}},{"_key":"5c9ed34b0f18","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"66908fc6374d","_type":"dropdownWidget","items":[{"_key":"79d562cabe76","_type":"dropdownObject","text":[{"_key":"975541be040b","_type":"block","children":[{"_key":"c9ef85d94cd8","_type":"span","marks":[],"text":"Hedging"}],"markDefs":[],"style":"h4"},{"_key":"470d8f128595","_type":"block","children":[{"_key":"9b0c2ceceab5","_type":"span","marks":[],"text":"Hedging is an investment strategy which aims to protect against risk or financial loss from adverse price movements. It's essentially a form of offsetting that enables you to make a profit if an investment performs badly. A fund manager may hedge against risk, for example, by using a derivative contract to agree to a sale if the share price of an investment within the fund falls to a certain level - therefore meaning it can make a profit and reduce the risk of making a loss even if the share performs badly."}],"markDefs":[],"style":"normal"},{"_key":"27a4353dd749","_type":"block","children":[{"_key":"287094c04726","_type":"span","marks":[],"text":"High yield bond"}],"markDefs":[],"style":"h4"},{"_key":"f74cf0b8ecec","_type":"block","children":[{"_key":"2cfecd2a4ae6","_type":"span","marks":[],"text":"A high yield bond is a bond which is determined to have a higher risk of default compared to other bonds. They have a higher yield because investors often get higher coupon payments to compensate for taking on the additional risk."}],"markDefs":[],"style":"normal"}],"title":"H"}]},{"_key":"a2c14b4d1f30","_type":"block","children":[{"_key":"3144b903f287","_type":"span","marks":[],"text":""},{"_key":"860bf5506d22","_type":"mainAnchor","pageAnchor":{"_ref":"f97dc4ff-9cfa-4091-b02e-c065be46f1b5","_type":"reference"}},{"_key":"9bc735e6eb57","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"248bd759e557","_type":"dropdownWidget","items":[{"_key":"e5eaf1887dff","_type":"dropdownObject","text":[{"_key":"2d333eddd833","_type":"block","children":[{"_key":"b1749eb0761f","_type":"span","marks":[],"text":"Income Tax (IT)"}],"markDefs":[],"style":"h4"},{"_key":"77ee275092a4","_type":"block","children":[{"_key":"2f479a2f031c","_type":"span","marks":[],"text":"Income Tax is a type of tax charged by the UK government if your earnings exceed a certain threshold, called the Personal Savings Allowance. For the 2023-24 tax year, this is £12,570. Any amount over this is charged at different rates depending on your annual income. Read more in our full guide "},{"_key":"4d881cce70a2","_type":"span","marks":["068e2dda84aa"],"text":"here"},{"_key":"7812776a362f","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"068e2dda84aa","_type":"internalLinkPick","reference":{"_ref":"cfbae5f9-09e2-4ebd-b540-7b2843cb6161","_type":"reference"}}],"style":"normal"},{"_key":"d3c7bdd014f8","_type":"block","children":[{"_key":"eed5052c132c","_type":"span","marks":[],"text":"Index"}],"markDefs":[],"style":"h4"},{"_key":"4db8ce18ac77","_type":"block","children":[{"_key":"2c6d681ade62","_type":"span","marks":[],"text":"An index is a basket of assets or securities designed to represent a particular stock market or part of a stock market. For example, the FTSE 100 is an index which is representative of the 100 largest companies listed on the London Stock Exchange by market capitalisation. Indices track the performance of the market they represent and so are often used as a benchmark for investors or fund managers to understand how well a particular investment is performing compared to similar investments or the market as a whole."}],"markDefs":[],"style":"normal"},{"_key":"8885aabb4a2b","_type":"block","children":[{"_key":"e25cd2fc2769","_type":"span","marks":[],"text":"Inflation"}],"markDefs":[],"style":"h4"},{"_key":"c08357cb77c4","_type":"block","children":[{"_key":"ea5ede0bf96b","_type":"span","marks":[],"text":"Inflation is the term used to describe how quickly the prices of goods and services is rising over a period of time. In periods of high inflation, prices are increasingly rapidly, whereas low inflation means prices are increasing by only a small amount. It's the opposite of deflation. The Bank of England aims to keep inflation at 2% for a healthy economy, so it sets its base rate and other monetary policy decisions based on how far above or below this target inflation currently is."}],"markDefs":[],"style":"normal"},{"_key":"d381c45c6d9b","_type":"block","children":[{"_key":"f39fee032df9","_type":"span","marks":[],"text":"Interest rate"}],"markDefs":[],"style":"h4"},{"_key":"1ac9f2971c96","_type":"block","children":[{"_key":"3509e08aabfa","_type":"span","marks":[],"text":"An interest rate is the amount that a lender charges someone for taking out a loan or a mortgage. It's calculated as a percentage of the amount borrowed - for example, 3%. The Bank of England's base rate, for instance, is an example of an interest rate. The coupon on a bond is also a type of interest rate."}],"markDefs":[],"style":"normal"},{"_key":"3ba353732f43","_type":"block","children":[{"_key":"3c17990e112c","_type":"span","marks":[],"text":"Investment trust"}],"markDefs":[],"style":"h4"},{"_key":"b3dc1b4845e0","_type":"block","children":[{"_key":"5a24a2cfbba3","_type":"span","marks":[],"text":"An investment trust is a public limited company (PLC) traded on the London Stock Exchange, which invests in other companies to generate profit for its shareholders. All investor's money is bundled together and a fund manager invests it on their behalf. Investment trusts typically pay out dividends and so are a popular choice for income investors. Read our full guide "},{"_key":"cc2f090e09ea","_type":"span","marks":["383bf7817ba9"],"text":"here"},{"_key":"5d5d755a170e","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"383bf7817ba9","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}}],"style":"normal"},{"_key":"4fa89845e8d0","_type":"block","children":[{"_key":"61d4cfb50a88","_type":"span","marks":[],"text":"Initial Public Offering (IPO)"}],"markDefs":[],"style":"h4"},{"_key":"a1818c39ce07","_type":"block","children":[{"_key":"424dc562f873","_type":"span","marks":[],"text":"An Initial Public Offering or IPO refers to when shares in a private company are listed on a stock exchange and made available for investors to purchase for the first time."}],"markDefs":[],"style":"normal"},{"_key":"263f1124a9e6","_type":"block","children":[{"_key":"573f265dd153","_type":"span","marks":[],"text":"Individual Savings Account (ISA)"}],"markDefs":[],"style":"h4"},{"_key":"a3ee673f1775","_type":"block","children":[{"_key":"f4c71ff62c91","_type":"span","marks":[],"text":"ISA stands for Individual Savings Account. They're a type of tax-free savings or investment account which allow you to put away up to £20,000 every tax year without paying taxes such as CGT. There are four main types - Cash ISAs, Stocks & Shares ISAs, Junior ISAs and Lifetime ISAs. All except Cash ISAs - which are similar to regular cash savings accounts - can be used to invest tax-free in things like shares, funds, ETFs, investment trusts and more. Read more about ISAs in our Hub "},{"_key":"50f239086d72","_type":"span","marks":["cf52470d43da"],"text":"here"},{"_key":"5ec68cfd8c33","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"cf52470d43da","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"}],"title":"I"}]},{"_key":"38cf60c39e5c","_type":"block","children":[{"_key":"36a4905c90b8","_type":"span","marks":[],"text":""},{"_key":"afd6088c37c8","_type":"mainAnchor","pageAnchor":{"_ref":"3ffb6f95-f4a1-4ab1-b55f-4975ad5dfa04","_type":"reference"}},{"_key":"766f6ab54c20","_type":"span","marks":[],"text":""},{"_key":"455a6fe14ad1","_type":"mainAnchor","pageAnchor":{"_ref":"a80555e9-52ee-4d97-8467-763d0fdb68cc","_type":"reference"}},{"_key":"d9ce0677a222","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"33745d26d38f","_type":"dropdownWidget","items":[{"_key":"e5eaf1887dff","_type":"dropdownObject","text":[{"_key":"a1818c39ce07","_type":"block","children":[{"_key":"424dc562f873","_type":"span","marks":[],"text":"Junk bond"}],"markDefs":[],"style":"h4"},{"_key":"3179da5685aa","_type":"block","children":[{"_key":"f482fd552172","_type":"span","marks":[],"text":"A junk bond is a bond which has been rated as high risk by a credit rating agency and is considered likely to default. Investors will typically be compensated for this risk with an exceptionally high interest rate (coupon)."}],"markDefs":[],"style":"normal"}],"title":"J"}]},{"_key":"845b4495fe5e","_type":"block","children":[{"_key":"e918eaa99fcf","_type":"span","marks":[],"text":""},{"_key":"88dad60a0e44","_type":"mainAnchor","pageAnchor":{"_ref":"7dd8d550-67ca-479f-a2f4-5eb12116edf4","_type":"reference"}},{"_key":"fc95971974fe","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"92c4ee07471c","_type":"dropdownWidget","items":[{"_key":"e5eaf1887dff","_type":"dropdownObject","text":[{"_key":"ef73594d62a3","_type":"block","children":[{"_key":"0f2e053674420","_type":"span","marks":[],"text":"Key Investor Information Document (KIID)"}],"markDefs":[],"style":"h4"},{"_key":"58222af8df35","_type":"block","children":[{"_key":"c0f1ff81c951","_type":"span","marks":[],"text":"A Key Investor Information Document or KIID is a document that provides information about an investment for prospective or current investors. It typically includes a breakdown of the assets it invests in, their allocation, fees, the name of the fund manager(s) and the investment objective. It's viewable at any stage but is an important read "},{"_key":"6ecacd3be809","_type":"span","marks":["em"],"text":"before "},{"_key":"9bbfd65e563d","_type":"span","marks":[],"text":"you invest in something so that you know what you are putting your money into. It's usually easily accessible by searching for the name of your chosen investment on the website or app of the company you are investing with."}],"markDefs":[],"style":"normal"}],"title":"K"}]},{"_key":"657dcb2c3f2a","_type":"block","children":[{"_key":"f08a5f0420b7","_type":"span","marks":[],"text":""},{"_key":"d73d6b4284be","_type":"mainAnchor","pageAnchor":{"_ref":"9221bc6d-b95e-4326-a33d-b0ca5a593eba","_type":"reference"}},{"_key":"131963511914","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"bda1f73df5d7","_type":"dropdownWidget","items":[{"_key":"e5eaf1887dff","_type":"dropdownObject","text":[{"_key":"4e3a21c96b6d","_type":"block","children":[{"_key":"1be44d434b68","_type":"span","marks":[],"text":"Leverage"}],"markDefs":[],"style":"h4"},{"_key":"519b21b7e837","_type":"block","children":[{"_key":"4746bec3ef83","_type":"span","marks":[],"text":"Leveraging is an alternative word for 'gearing'."}],"markDefs":[],"style":"normal"},{"_key":"3983861b1d07","_type":"block","children":[{"_key":"e5652c29bbe6","_type":"span","marks":[],"text":"Limit order"}],"markDefs":[],"style":"h4"},{"_key":"8701e19ad267","_type":"block","children":[{"_key":"b98958c9ca26","_type":"span","marks":[],"text":"A limit order is an order to buy or sell a share automatically once it reaches a specified price or better. It's something fund managers can employ to help generate profit or individual investors can do so on some platforms which enable it (not all do)."}],"markDefs":[],"style":"normal"},{"_key":"18fc728d9677","_type":"block","children":[{"_key":"478427b97663","_type":"span","marks":[],"text":"Liquidity"}],"markDefs":[],"style":"h4"},{"_key":"1ea2486d8b14","_type":"block","children":[{"_key":"9a1d1356fb22","_type":"span","marks":[],"text":"Liquidity refers to how quick and easy it is to convert an investment into cash without losing significant value in the process. In other words, it's about how easy it is to sell and how long it takes to get your money in return. Liquidity can also be used to measure the health of a company's finances - the more liquid its assets or investments are, the more flexible it can afford to be and therefore more resilient than a company with poor liquidity."}],"markDefs":[],"style":"normal"},{"_key":"b9350efded58","_type":"block","children":[{"_key":"bfc2a26373ae","_type":"span","marks":[],"text":"Listed securities"}],"markDefs":[],"style":"h4"},{"_key":"c9a53844b863","_type":"block","children":[{"_key":"cc14106a9a10","_type":"span","marks":[],"text":"A listed security is an asset which is traded on an exchange, such as the London Stock Exchange. For example, shares, ETFs and bonds can all be listed securities."}],"markDefs":[],"style":"normal"},{"_key":"7d14cae778dc","_type":"block","children":[{"_key":"b7cee361494a","_type":"span","marks":[],"text":"Long strategy"}],"markDefs":[],"style":"h4"},{"_key":"ac864bbc3e10","_type":"block","children":[{"_key":"76d2c280218b","_type":"span","marks":[],"text":"A long investing strategy is one where you buy or hold a share that you expect to increase in value over time."}],"markDefs":[],"style":"normal"},{"_key":"1c156dcf2afd","_type":"block","children":[{"_key":"ca839ac132c0","_type":"span","marks":[],"text":"London Stock Exchange (LSE)"}],"markDefs":[],"style":"h4"},{"_key":"f94be5934444","_type":"block","children":[{"_key":"699531d03250","_type":"span","marks":[],"text":"The London Stock Exchange or LSE is the name of the stock market based in the City of London. The total market value of all companies trading on the LSE was recently recorded in excess of $3 trillion."}],"markDefs":[],"style":"normal"}],"title":"L"}]},{"_key":"2c366fb22cfb","_type":"block","children":[{"_key":"723d3a965d89","_type":"span","marks":[],"text":""},{"_key":"1441dc28cf65","_type":"mainAnchor","pageAnchor":{"_ref":"1ef26854-847c-4fe8-8663-9e0df4a542ab","_type":"reference"}},{"_key":"b7981b90a810","_type":"span","marks":[],"text":""},{"_key":"5562b1fe76f7","_type":"mainAnchor","pageAnchor":{"_ref":"6fdfe7bf-bcfb-4adf-ae00-ea109c3413c4","_type":"reference"}},{"_key":"d4d6978d0214","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"478574fffdb3","_type":"dropdownWidget","items":[{"_key":"33953498fce6","_type":"dropdownObject","text":[{"_key":"b388d8b16819","_type":"block","children":[{"_key":"d7e14e0935d7","_type":"span","marks":[],"text":"Macroeconomic"}],"markDefs":[],"style":"h4"},{"_key":"7ca742d51c29","_type":"block","children":[{"_key":"7f130b550681","_type":"span","marks":[],"text":"Macroeconomic is a term used to describe economic activity happening on a global or multi-national scale. For example, a global recession would be a macroeconomic event, or a war might be a negative factor impacting macroeconomic mood or sentiment."}],"markDefs":[],"style":"normal"},{"_key":"2df190296414","_type":"block","children":[{"_key":"83ea1686bd3e","_type":"span","marks":[],"text":"Management fee"}],"markDefs":[],"style":"h4"},{"_key":"792946341248","_type":"block","children":[{"_key":"f2533590579d","_type":"span","marks":[],"text":"A management fee is a charge that you pay to an investment manager for their services. This is usually shown as a percentage, for example 1%, of the total amount invested per year."}],"markDefs":[],"style":"normal"},{"_key":"45b1ed7e6156","_type":"block","children":[{"_key":"93398a631bc2","_type":"span","marks":[],"text":"Market capitalisation"}],"markDefs":[],"style":"h4"},{"_key":"0a712d8d376c","_type":"block","children":[{"_key":"6e812ceac4cd","_type":"span","marks":[],"text":"Often shortened to \"market cap\", market capitalisation is a commonly used measure of the size of a company or fund. It's calculated by adding together the total value of all shares."}],"markDefs":[],"style":"normal"},{"_key":"2cb3c13d6ad1","_type":"block","children":[{"_key":"c90b9c5791d0","_type":"span","marks":[],"text":"Market sentiment"}],"markDefs":[],"style":"h4"},{"_key":"39c76d0167dd","_type":"block","children":[{"_key":"e41d7dc31774","_type":"span","marks":[],"text":"Market sentiment is the overall mood or attitude of investors, either to individual shares and investments or to the stock market as a whole."}],"markDefs":[],"style":"normal"},{"_key":"bba60fd76383","_type":"block","children":[{"_key":"8238d1b1c455","_type":"span","marks":[],"text":"Market share"}],"markDefs":[],"style":"h4"},{"_key":"ccdb2eb6e214","_type":"block","children":[{"_key":"a58cdfe7fbe6","_type":"span","marks":[],"text":"The market share is the proportion of a stock market or sector which a particular company makes up."}],"markDefs":[],"style":"normal"},{"_key":"4442589e6e18","_type":"block","children":[{"_key":"a08996209933","_type":"span","marks":[],"text":"Maturity"}],"markDefs":[],"style":"h4"},{"_key":"bc3b954c3d01","_type":"block","children":[{"_key":"3e6025508fb2","_type":"span","marks":[],"text":"Maturity is the date at which the agreed term on a bond comes to an end. This is the point at which the underlying loan will be repaid in full."}],"markDefs":[],"style":"normal"},{"_key":"002b7f68821d","_type":"block","children":[{"_key":"20361c1003df","_type":"span","marks":[],"text":"Momentum"}],"markDefs":[],"style":"h4"},{"_key":"c70bc1b92988","_type":"block","children":[{"_key":"b4e74e61f90d","_type":"span","marks":[],"text":"The momentum of an asset or fund refers to the concept that recent good performance is likely to continue. The investment is \"on a roll\", you might say."}],"markDefs":[],"style":"normal"},{"_key":"22c73c966298","_type":"block","children":[{"_key":"e843af1b1716","_type":"span","marks":[],"text":"Monetary policy "}],"markDefs":[],"style":"h4"},{"_key":"818fa1d36a64","_type":"block","children":[{"_key":"e4aea265b1b5","_type":"span","marks":[],"text":"Monetary policy is a series of actions employed by central banks (such as the Bank of England) or governments (such as the UK government) to exert control over the economy. It can be used to regulate how much money is in the economy and how much it costs to borrow money. An example of a monetary policy decision would be the Bank of England raising its base rate to try to stem rising inflation."}],"markDefs":[],"style":"normal"},{"_key":"5565a4d45dd9","_type":"block","children":[{"_key":"d5cea1aa132a","_type":"span","marks":[],"text":"Money market funds"}],"markDefs":[],"style":"h4"},{"_key":"0b4aec6b0bf2","_type":"block","children":[{"_key":"4c3d900a16af","_type":"span","marks":[],"text":"Money market funds are a type of fund which invest in large volumes of highly liquid, short-term debt products - such as cash or high quality bonds like UK gilts or US Treasuries near maturity. They're designed to be a very low risk type of investment, sometimes touted as an alternative to cash."}],"markDefs":[],"style":"normal"},{"_key":"3e5615ba575e","_type":"block","children":[{"_key":"04f4b86b8717","_type":"span","marks":[],"text":"Multi-asset"}],"markDefs":[],"style":"h4"},{"_key":"6aab3889586d","_type":"block","children":[{"_key":"96dd38378804","_type":"span","marks":[],"text":"Multi-asset is a term used to describe funds or portfolios that contain more than one type of asset class - e.g. shares and property - and are frequently used by investors who want to diversify and gain exposure to multiple types of asset. Read more about multi-asset funds "},{"_key":"fb1934042293","_type":"span","marks":["ab077e0d20bb"],"text":"here"},{"_key":"71de9a53d549","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"ab077e0d20bb","_type":"internalLinkPick","reference":{"_ref":"06e8a05d-c0c4-478d-9a16-85fa2de6405d","_type":"reference"}}],"style":"normal"}],"title":"M"}]},{"_key":"96de9e504ae4","_type":"block","children":[{"_key":"5a1b3b08899b","_type":"span","marks":[],"text":""},{"_key":"591abdef47f2","_type":"mainAnchor","pageAnchor":{"_ref":"c35f31a9-59dc-443b-bf1a-fd432a7e0885","_type":"reference"}},{"_key":"7d94bffffca6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b1204c604b2b","_type":"dropdownWidget","items":[{"_key":"33953498fce6","_type":"dropdownObject","text":[{"_key":"e3e95a97c66d","_type":"block","children":[{"_key":"d31dc2e613bf","_type":"span","marks":["strong"],"text":"NASDAQ"}],"markDefs":[],"style":"h4"},{"_key":"f8d326421ee6","_type":"block","children":[{"_key":"598cc9ca2df9","_type":"span","marks":[],"text":"An American stock exchange primarily known for technology and growth companies."}],"markDefs":[],"style":"normal"},{"_key":"872a165cbddf","_type":"block","children":[{"_key":"30f8e030c9ed","_type":"span","marks":[],"text":"National Insurance (NI)"}],"markDefs":[],"style":"h4"},{"_key":"260be9c83141","_type":"block","children":[{"_key":"197fc931141d","_type":"span","marks":[],"text":"National Insurance is a type of tax that individuals who earn over a certain amount pay to the UK government. It's used to fund state benefits, including the "},{"_key":"86a8e7ef0d71","_type":"span","marks":["4d36ecf48553"],"text":"State Pension"},{"_key":"ef68cb9b39c5","_type":"span","marks":[],"text":", healthcare services like the NHS, unemployment benefits, and other social welfare programmes. The amount of NI contributions a person pays is based on their income. "}],"markDefs":[{"_key":"4d36ecf48553","_type":"internalLinkPick","reference":{"_ref":"24becfe8-66e5-4cc0-a93d-d43dba6dc2f4","_type":"reference"}}],"style":"normal"},{"_key":"40a7cc2028dd","_type":"block","children":[{"_key":"2f7ae6ae4b60","_type":"span","marks":[],"text":"Net Asset Value (NAV)"}],"markDefs":[],"style":"h4"},{"_key":"3d630b183293","_type":"block","children":[{"_key":"894358b0ef1f","_type":"span","marks":[],"text":"Often shortened to NAV, the Net Asset Value is a measurement used to describe the current value of an investment at a moment in time. It's calculated by taking the overall value of a company's total assets and subtracting its total debts or liabilities. It can be expressed as price-per-share by further dividing this figure by the total number of shares. "}],"markDefs":[],"style":"normal"},{"_key":"e87e8979a92d","_type":"block","children":[{"_key":"31d8af16e38e","_type":"span","marks":["strong"],"text":"Non-Fungible Token (NFT)"}],"markDefs":[],"style":"h4"},{"_key":"7e33fe807bda","_type":"block","children":[{"_key":"3aee21700be2","_type":"span","marks":[],"text":"A Non-Fungible Token or NFT is a digital asset that represents ownership or proof of authenticity of a unique item, such as art or music, recorded on the blockchain - the same technology used for cryptocurrency."}],"markDefs":[],"style":"normal"},{"_key":"701d11ee57b4","_type":"block","children":[{"_key":"eba840d0a9a4","_type":"span","marks":["strong"],"text":"New York Stock Exchange (NYSE)"}],"markDefs":[],"style":"h4"},{"_key":"f3b3e2351b69","_type":"block","children":[{"_key":"17a0d1b42279","_type":"span","marks":[],"text":"The New York Stock Exchange or NYSE is the largest stock exchange in the world by market capitalisation."}],"markDefs":[],"style":"normal"}],"title":"N"}]},{"_key":"6b186924c685","_type":"block","children":[{"_key":"3a70816181ca","_type":"span","marks":[],"text":""},{"_key":"49bbaaba3e7b","_type":"mainAnchor","pageAnchor":{"_ref":"069bce55-9880-41c1-92d1-b098ce2bccf3","_type":"reference"}},{"_key":"5d39490f9a3e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8ff01c493a6a","_type":"dropdownWidget","items":[{"_key":"06b33fdb634e","_type":"dropdownObject","text":[{"_key":"06af5d5ceeb1","_type":"block","children":[{"_key":"c7a58e053383","_type":"span","marks":[],"text":"Offer price"}],"markDefs":[],"style":"h4"},{"_key":"4a9d95599b55","_type":"block","children":[{"_key":"b734860e599b","_type":"span","marks":[],"text":"Like the ask price, the offer price is the lowest price that a seller is willing to sell an investment."}],"markDefs":[],"style":"normal"},{"_key":"d4c0099b9e83","_type":"block","children":[{"_key":"0b604ab2b7c3","_type":"span","marks":[],"text":"Ongoing Charges Figure (OCF)"}],"markDefs":[],"style":"h4"},{"_key":"26e67735dd10","_type":"block","children":[{"_key":"f0314d35de1b","_type":"span","marks":[],"text":"The Ongoing Charges Figure or OCF is the total cost of an investment over the course of one year. It typically includes the management fee as well as any other charges, such as account fees, and represents the total amount that an investor can expect to pay for an investment for one year. "}],"markDefs":[],"style":"normal"},{"_key":"12fdf6c70659","_type":"block","children":[{"_key":"5d05bfc0095a","_type":"span","marks":[],"text":"Open-Ended Investment Company (OEIC)"}],"markDefs":[],"style":"h4"},{"_key":"64d22f768021","_type":"block","children":[{"_key":"db2b20d22220","_type":"span","marks":[],"text":"An OEIC or Open-Ended Investment Company is a type of fund where the money of all investors is pooled together and then invested on their behalf at the direction of the fund manager. They're open-ended because there is an infinite number of shares available - it can generate new shares whenever an investor wants to buy one or it can buy shares back whenever an investor wants to sell."}],"markDefs":[],"style":"normal"},{"_key":"b452314b8579","_type":"block","children":[{"_key":"30f45b9d2d22","_type":"span","marks":[],"text":"Open-end funds"}],"markDefs":[],"style":"h4"},{"_key":"e20ad5529a0e","_type":"block","children":[{"_key":"1c2eee8cd57d","_type":"span","marks":[],"text":"An open-end fund is a type of fund that continuously issues and redeems shares based on investor demand. They don't have a limit on the number of shares they can issue. They're the opposite of closed-end funds, which have a finite pool of available shares, such as investment trusts."}],"markDefs":[],"style":"normal"},{"_key":"dd58f8f8a81d","_type":"block","children":[{"_key":"18e6d435dd0f","_type":"span","marks":[],"text":"Options"}],"markDefs":[],"style":"h4"},{"_key":"b6c34e7feaef","_type":"block","children":[{"_key":"aaa4a10d25d7","_type":"span","marks":[],"text":"An option is a form of derivative which represents the right (but not the obligation) of the buyer to buy or sell an investment at a chosen price at some point in the future. A \"call\" option is when an investor purchases the right to buy the investment at a predetermined price. A \"put\" option is when an investor purchases the right to sell an investment at a predetermined price. Options provide flexibility for investors to profit from price movements without owning the underlying investment outright."}],"markDefs":[],"style":"normal"},{"_key":"0abb4022ed3f","_type":"block","children":[{"_key":"0ea8c9318caa0","_type":"span","marks":[],"text":"Overweight"}],"markDefs":[],"style":"h4"},{"_key":"9bf28e213468","_type":"block","children":[{"_key":"6a5a0e86f9370","_type":"span","marks":[],"text":"A portfolio or fund is overweight when it has a larger proportion in a particular asset class, sector, geographical region or share compared to the index or benchmark it is usually measured against. "}],"markDefs":[],"style":"normal"}],"title":"O"}]},{"_key":"f92a77ddd4de","_type":"block","children":[{"_key":"c6ab85f530e9","_type":"span","marks":[],"text":""},{"_key":"28eead28db4b","_type":"mainAnchor","pageAnchor":{"_ref":"acdbcaeb-8268-4355-9ab6-59232a42deb5","_type":"reference"}},{"_key":"c6714db4a13e","_type":"span","marks":[],"text":""},{"_key":"0319e45f385f","_type":"mainAnchor","pageAnchor":{"_ref":"75142f92-c895-4760-a710-bf518bcacd3d","_type":"reference"}},{"_key":"9ea05457bfbd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"457ed83ab160","_type":"dropdownWidget","items":[{"_key":"311052645ffb","_type":"dropdownObject","text":[{"_key":"552b49ea6095","_type":"block","children":[{"_key":"4900483dcaf4","_type":"span","marks":[],"text":"Passive"}],"markDefs":[],"style":"h4"},{"_key":"905d0017e8ea","_type":"block","children":[{"_key":"d33598a1a820","_type":"span","marks":[],"text":"A passively managed fund is designed to replicate or track a particular index or benchmark - for example, the FTSE 100 or S&P 500. A passive investment style is similarly one which replicates an index or benchmark with minimal deviation."}],"markDefs":[],"style":"normal"},{"_key":"7271a33c19b3","_type":"block","children":[{"_key":"daaba7e4dab10","_type":"span","marks":[],"text":"Portfolio"}],"markDefs":[],"style":"h4"},{"_key":"b0c48230a473","_type":"block","children":[{"_key":"34279af50c03","_type":"span","marks":[],"text":"A portfolio is a collection of investments such as shares, bonds and funds."}],"markDefs":[],"style":"normal"},{"_key":"7d5e703dfb61","_type":"block","children":[{"_key":"930358a0d2cd","_type":"span","marks":[],"text":"P/E Ratio"}],"markDefs":[],"style":"h4"},{"_key":"e44214fb0972","_type":"block","children":[{"_key":"8b3ce90fbcdd","_type":"span","marks":[],"text":"The P/E Ratio or Price-Earnings Ratio is a measurement of a company's share price relative to its earnings per-share. It's used to determine whether a share is overvalued - i.e. the share price is higher than the earnings per share - or undervalued - i.e. the share price is lower than the earnings per share. It's calculated by dividing the current share price by the earnings per-share."}],"markDefs":[],"style":"normal"},{"_key":"24dbf0ded8ec","_type":"block","children":[{"_key":"d648326da1430","_type":"span","marks":["strong"],"text":"Principal"}],"markDefs":[],"style":"h4"},{"_key":"7aeca8a5c1ac","_type":"block","children":[{"_key":"b010b1375d89","_type":"span","marks":[],"text":"The principal is a word sometimes used to describe the initial amount of money invested - such as in a bond - or borrowed - such as with a loan - excluding any subsequently earned interest or dividends."}],"markDefs":[],"style":"normal"},{"_key":"f47820934c56","_type":"block","children":[{"_key":"4230da5967250","_type":"span","marks":["strong"],"text":"Profit"}],"markDefs":[],"style":"h4"},{"_key":"646ef4b39de5","_type":"block","children":[{"_key":"82299db04bf9","_type":"span","marks":[],"text":"Profit is the financial gain an investor makes on their investment, after deducting all expenses and losses. It's sometimes also called the 'return' or 'earnings'."}],"markDefs":[],"style":"normal"},{"_key":"cd5db6ed7475","_type":"block","children":[{"_key":"2485fddd8ebc0","_type":"span","marks":["strong"],"text":"Profit margin"}],"markDefs":[],"style":"h4"},{"_key":"befcb19de1f6","_type":"block","children":[{"_key":"802e8ec71167","_type":"span","marks":[],"text":"A profit margin is a ratio that measures a company's profitability. It's calculated by dividing the company's net (total) income by its profits to illustrate how much the company gets to keep as a profit after subtracting all costs."}],"markDefs":[],"style":"normal"}],"title":"P"}]},{"_key":"759d5eacc01f","_type":"block","children":[{"_key":"625d31428381","_type":"span","marks":[],"text":""},{"_key":"8547a74dfbfa","_type":"mainAnchor","pageAnchor":{"_ref":"00fd73fa-3005-430d-8596-c7cd88cfebf3","_type":"reference"}},{"_key":"fa806d281ee4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"998450f63c43","_type":"dropdownWidget","items":[{"_key":"311052645ffb","_type":"dropdownObject","text":[{"_key":"7eab0015ce08","_type":"block","children":[{"_key":"96c4cc6ed1f00","_type":"span","marks":[],"text":"Quantitative Easing (QE)"}],"markDefs":[],"style":"h4"},{"_key":"16077562c5f9","_type":"block","children":[{"_key":"a3dfddfd8a470","_type":"span","marks":[],"text":"Quantitative Easing or QE refers to a monetary policy implemented by central banks to generate economic activity. This usually works by buying bonds and other assets to increase liquidity and encourage lending and investment in the wider market. It was recently used in the UK during the Covid-19 pandemic."}],"markDefs":[],"style":"normal"},{"_key":"4c9053801ebf","_type":"block","children":[{"_key":"86e1ad0dde890","_type":"span","marks":["strong"],"text":"Quote"}],"markDefs":[],"style":"h4"},{"_key":"982a08a1c65a","_type":"block","children":[{"_key":"d719d2be1fbe0","_type":"span","marks":[],"text":"A quote in investing represents the current price at which a share, commodity, or currency is being traded at. It typically includes the bid price and the ask price and can be used to give investors real-time information about a price before they decide to buy or sell."}],"markDefs":[],"style":"normal"}],"title":"Q"}]},{"_key":"9f5af7c9ea81","_type":"block","children":[{"_key":"e596ae3cbc9a","_type":"span","marks":[],"text":""},{"_key":"65de2128a12e","_type":"mainAnchor","pageAnchor":{"_ref":"7764a53b-dd24-4c61-a346-6cb6ea560ed9","_type":"reference"}},{"_key":"c4b21318ae5c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0b01488a0446","_type":"dropdownWidget","items":[{"_key":"311052645ffb","_type":"dropdownObject","text":[{"_key":"2c726f16d5d6","_type":"block","children":[{"_key":"68eb13989445","_type":"span","marks":["strong"],"text":"Rate of Return (ROR)"}],"markDefs":[],"style":"h4"},{"_key":"d9e3535cbe36","_type":"block","children":[{"_key":"e579c163a10c","_type":"span","marks":[],"text":"The Rate of Return or ROR is the same as the ROI."}],"markDefs":[],"style":"normal"},{"_key":"739be671110b","_type":"block","children":[{"_key":"5beeb76769dc","_type":"span","marks":[],"text":"Ready-made portfolios"}],"markDefs":[],"style":"h4"},{"_key":"7458235c200a","_type":"block","children":[{"_key":"1ca692e64b45","_type":"span","marks":[],"text":"A ready-made portfolio is a premade bundle of investments which provides a blend of bonds and shares in different proportions depending on your tolerance for risk. Lower risk ready-made portfolios tend to invest in more bonds (generally considered lower risk investments), whereas higher risk ready-made portfolios tend to invest in more shares (generally considered higher risk investments). Ready-made portfolios are a subtype of multi-asset funds and are offered by asset managers as well as robo advisers. Read more about ready-made portfolios in our full guide "},{"_key":"c921eb26b593","_type":"span","marks":["72b22cc16a1f"],"text":"here"},{"_key":"e0c33902f699","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"72b22cc16a1f","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"30021281532d","_type":"block","children":[{"_key":"a57101c7e00d","_type":"span","marks":["strong"],"text":"Real Estate Investment Trust (REIT)"}],"markDefs":[],"style":"h4"},{"_key":"d79f145d85d3","_type":"block","children":[{"_key":"76d2c2517b00","_type":"span","marks":[],"text":"A Real Estate Investment Trust or REIT is a company that owns, operates, or finances income-generating real estate. Investors can buy shares in a REIT, allowing them to invest in real estate without owning physical property. REITs often provide dividends based on rental income."}],"markDefs":[],"style":"normal"},{"_key":"4bf3d46e2425","_type":"block","children":[{"_key":"8d8faeb496e8","_type":"span","marks":[],"text":"Return on Investment (ROI) "}],"markDefs":[],"style":"h4"},{"_key":"a5cdaa24641b","_type":"block","children":[{"_key":"e150927d3ef1","_type":"span","marks":[],"text":"Return on Investment or ROI is a metric used to evaluate the profitability of an investment relative to its cost. It's calculated by dividing the net profit from the initial invested amount and is used to assess the success of an investment strategy."}],"markDefs":[],"style":"normal"},{"_key":"ef34fbffcb90","_type":"block","children":[{"_key":"4f908e007a4d","_type":"span","marks":["strong"],"text":"Revenue"}],"markDefs":[],"style":"h4"},{"_key":"d6e8acca272c","_type":"block","children":[{"_key":"13f71490b669","_type":"span","marks":[],"text":"Revenue is the total income generated from a business's operations. In investing, it's important to evaluate a company's revenue as it indicates its ability to generate income. Consistent and growing revenue is generally a positive indicator for investors, whereas consistently falling revenue can be a negative sign. A company's revenue minus all operating costs and losses is its profit."}],"markDefs":[],"style":"normal"},{"_key":"73577b2d6233","_type":"block","children":[{"_key":"baf3fef527f20","_type":"span","marks":["strong"],"text":"Risk"}],"markDefs":[],"style":"h4"},{"_key":"2ad38d2c16c7","_type":"block","children":[{"_key":"67d30fc872d7","_type":"span","marks":[],"text":"Risk in investing refers to the uncertainty or potential of losing money on an investment. It's essential to understand and manage investment risk as it directly correlates with potential returns. For example, high risk investments may earn higher returns but also carry a greater chance of loss. On the other hand, low risk investments may have a lesser chance of losing money, but come with less earnings potential too. Read more about risk and how to use it appropriately in our"},{"_key":"dd448eb51203","_type":"span","marks":["f26f70f46502"],"text":" Investing for Beginners"},{"_key":"addb0785cd98","_type":"span","marks":[],"text":" course."}],"markDefs":[{"_key":"f26f70f46502","_type":"internalLinkPick","reference":{"_ref":"bc6b73f2-43c7-43c3-8adb-56e56d274fdc","_type":"reference"}}],"style":"normal"},{"_key":"d0dac39961fa","_type":"block","children":[{"_key":"781051debb71","_type":"span","marks":["strong"],"text":"Risk tolerance"}],"markDefs":[],"style":"h4"},{"_key":"64be170ee4f1","_type":"block","children":[{"_key":"b167ea4c4bbc","_type":"span","marks":[],"text":"Risk tolerance refers to the extent an investor is willing to endure fluctuations in the price of their investments. In other words, it's your attitude to investment risk and how much you feel comfortable taking on. It's important to assess your risk tolerance to create an investment portfolio and strategy that's suitably aligned with your comfort level. You can read more about how to determine your risk tolerance "},{"_key":"ac4e38b59f6c","_type":"span","marks":["4798db63f020"],"text":"here"},{"_key":"3dc1071b9757","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"4798db63f020","_type":"internalLinkPick","reference":{"_ref":"25599c4c-bf4f-4150-9d09-613c345b07c8","_type":"reference"}}],"style":"normal"},{"_key":"59afce4ce9f4","_type":"block","children":[{"_key":"46eac0ef839a","_type":"span","marks":[],"text":"Robo adviser"}],"markDefs":[],"style":"h4"},{"_key":"dffa1d074224","_type":"block","children":[{"_key":"11132c5c948d","_type":"span","marks":[],"text":"A robo adviser or robo is a type of asset management company which offers ready-made portfolios that are managed using algorithms that frequently rebalance the portfolio to maintain exposure to different assets in line with a chosen risk level. "}],"markDefs":[],"style":"normal"}],"title":"R"}]},{"_key":"d3f676c85e8b","_type":"block","children":[{"_key":"2dfe409263ff","_type":"span","marks":[],"text":""},{"_key":"57693e912a40","_type":"mainAnchor","pageAnchor":{"_ref":"22f8a158-ed05-4f14-a582-54029352f511","_type":"reference"}},{"_key":"8d4640e9a394","_type":"span","marks":[],"text":""},{"_key":"4c0f684bda71","_type":"mainAnchor","pageAnchor":{"_ref":"eacdeec4-37b4-4ed1-af20-d6d9a6643b61","_type":"reference"}},{"_key":"3cc8694c0eff","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f5efd7593a0f","_type":"dropdownWidget","items":[{"_key":"a82861b12055","_type":"dropdownObject","text":[{"_key":"54d82d35ff15","_type":"block","children":[{"_key":"1cd9ce01d43b0","_type":"span","marks":["strong"],"text":"Sector"}],"markDefs":[],"style":"h4"},{"_key":"d5b7e04bee59","_type":"block","children":[{"_key":"d68c43e10709","_type":"span","marks":[],"text":"A sector refers to a group of companies that all operate in the same industry or part of the economy. For example, technology, healthcare, finance and agriculture are all sectors."}],"markDefs":[],"style":"normal"},{"_key":"3eb692b46b49","_type":"block","children":[{"_key":"180968cab5410","_type":"span","marks":["strong"],"text":"Security"}],"markDefs":[],"style":"h4"},{"_key":"e13ba155d12f","_type":"block","children":[{"_key":"33ae84a4fa16","_type":"span","marks":[],"text":"A security is a financial instrument that holds some type of monetary value. Shares, bonds, and derivatives are examples of securities."}],"markDefs":[],"style":"normal"},{"_key":"29b7ecf54d31","_type":"block","children":[{"_key":"6e82e02fde80","_type":"span","marks":[],"text":"Self-Invested Personal Pension (SIPP)"}],"markDefs":[],"style":"h4"},{"_key":"29ced7ea8769","_type":"block","children":[{"_key":"6f3d864932a9","_type":"span","marks":[],"text":"A Self-Invested Personal Pension or SIPP, sometimes also called a private pension or personal pension, is a type of pension that allows individuals to save for retirement by managing their own investments. This is different from the State Pension or workplace pension schemes, where individuals usually have limited control of what they're invested in. SIPPs come with tax relief designed to incentivise people to save for retirement, where for every amount you add to a SIPP account, the UK government will contribute additional money based on your usual rate of Income Tax. Read more in our full guide "},{"_key":"bf08eb351682","_type":"span","marks":["92aed6d24e13"],"text":"here"},{"_key":"1e1c030b73e9","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"92aed6d24e13","_type":"internalLinkPick","reference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"}}],"style":"normal"},{"_key":"47a2f8dcc667","_type":"block","children":[{"_key":"82cecf23cada0","_type":"span","marks":["strong"],"text":"Shares"}],"markDefs":[],"style":"h4"},{"_key":"f5ef9b2fba4f","_type":"block","children":[{"_key":"5d2b5d7a36f0","_type":"span","marks":[],"text":"Shares represent a unit of ownership in a company. Companies divide their ownership into shares and investors can purchase these to become owners of a tiny part of it. Shares are also called 'stocks' or 'equities'."}],"markDefs":[],"style":"normal"},{"_key":"c4664dfbd4ef","_type":"block","children":[{"_key":"40cda62e414b0","_type":"span","marks":["strong"],"text":"Short selling"}],"markDefs":[],"style":"h4"},{"_key":"b2c211b706ce","_type":"block","children":[{"_key":"5ed385973c9f","_type":"span","marks":[],"text":"Short selling is an investment strategy where an investor borrows a share and then sells it, aiming to buy it back later at a lower price and profit from the price difference."}],"markDefs":[],"style":"normal"},{"_key":"31413e908553","_type":"block","children":[{"_key":"d9d118945e950","_type":"span","marks":["strong"],"text":"S&P 500"}],"markDefs":[],"style":"h4"},{"_key":"71da369f13b5","_type":"block","children":[{"_key":"d1a6e9a4f3f2","_type":"span","marks":[],"text":"The S&P 500 is an index that tracks the performance of the 500 largest publicly traded companies in the United States. It's often used as a benchmark for the overall global stock market."}],"markDefs":[],"style":"normal"},{"_key":"a2a6493608ce","_type":"block","children":[{"_key":"596a764625c60","_type":"span","marks":["strong"],"text":"Spread"}],"markDefs":[],"style":"h4"},{"_key":"2e3fbb972b22","_type":"block","children":[{"_key":"e46abaa076e6","_type":"span","marks":[],"text":"Spread refers to the difference between the ask price and the bid price of a share. A narrow spread is preferable as it indicates a smaller difference between the prices and therefore usually better liquidity."}],"markDefs":[],"style":"normal"},{"_key":"f4a6fc88118f","_type":"block","children":[{"_key":"57e9c6d06ec6","_type":"span","marks":[],"text":"State Pension"}],"markDefs":[],"style":"h4"},{"_key":"f595f0018975","_type":"block","children":[{"_key":"e34e0bc83958","_type":"span","marks":[],"text":"The State Pension is a type of pension provided by the UK government to eligible UK adults once they reach the State Pension age (currently 66 but rising to 67 from 2026). It's designed to offer a basic amount of financial support during retirement. The amount a person receives depends on their track record of National Insurance contributions. Read more in our full State Pension guide "},{"_key":"9d2df1038e25","_type":"span","marks":["159991fa8c25"],"text":"here"},{"_key":"30c16d2022cd","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"159991fa8c25","_type":"internalLinkPick","reference":{"_ref":"24becfe8-66e5-4cc0-a93d-d43dba6dc2f4","_type":"reference"}}],"style":"normal"},{"_key":"3e3b62f1dba3","_type":"block","children":[{"_key":"8da70320219f0","_type":"span","marks":["strong"],"text":"Stock market"}],"markDefs":[],"style":"h4"},{"_key":"744dda474d4c","_type":"block","children":[{"_key":"eaa2acdf6ac5","_type":"span","marks":[],"text":"Stock markets are public markets where buyers and sellers trade stocks (shares) of publicly listed companies. They are physical places in the real world - like the London Stock Exchange in London or the New York Stock Exchange in New York City."}],"markDefs":[],"style":"normal"},{"_key":"e13852446342","_type":"block","children":[{"_key":"ad308d4351650","_type":"span","marks":["strong"],"text":"Stock split"}],"markDefs":[],"style":"h4"},{"_key":"bafe5d84f793","_type":"block","children":[{"_key":"40b002e25e23","_type":"span","marks":[],"text":"A stock split occurs when a company divides its existing shares into multiple shares. This doesn't affect the company's value but it increases the total number of available shares."}],"markDefs":[],"style":"normal"},{"_key":"69e3327a7800","_type":"block","children":[{"_key":"3390bcee05d10","_type":"span","marks":["strong"],"text":"Stop-loss order"}],"markDefs":[],"style":"h4"},{"_key":"fe08cf2a073c","_type":"block","children":[{"_key":"a773a1e8bf71","_type":"span","marks":[],"text":"A stop-loss order is an instruction an investor makes to sell a stock automatically when it reaches a specific price. It's used to limit losses and manage risk by selling before an investment falls too far in value."}],"markDefs":[],"style":"normal"}],"title":"S"}]},{"_key":"8481abf47333","_type":"block","children":[{"_key":"48cf7212ce43","_type":"span","marks":[],"text":""},{"_key":"1d11a473c668","_type":"mainAnchor","pageAnchor":{"_ref":"b262b86c-c9a0-4114-8e2a-08e5e4c961de","_type":"reference"}},{"_key":"0c74773ea706","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cd8423020438","_type":"dropdownWidget","items":[{"_key":"bb4587ba9e5b","_type":"dropdownObject","text":[{"_key":"6fc4da1b9540","_type":"block","children":[{"_key":"012097806f830","_type":"span","marks":["strong"],"text":"Ticker symbol"}],"markDefs":[],"style":"h4"},{"_key":"177f2b0f0376","_type":"block","children":[{"_key":"058a7bfefb7a","_type":"span","marks":[],"text":"A ticker symbol is a unique combination of letters which represent a particular share on a stock exchange. It serves as a shorthand method for identifying a share. For example, the ticker for Apple on the NASDAQ index is AAPL and the ticker for Shell on the FTSE 100 is SHEL."}],"markDefs":[],"style":"normal"},{"_key":"07b36bf3e4b1","_type":"block","children":[{"_key":"3cc4eb4e5c610","_type":"span","marks":["strong"],"text":"Time horizon"}],"markDefs":[],"style":"h4"},{"_key":"fcde5838a9f8","_type":"block","children":[{"_key":"6398a8e6a179","_type":"span","marks":[],"text":"Time horizon refers to the length of time an investor expects to hold an investment before they intend to sell it to withdraw their funds. "}],"markDefs":[],"style":"normal"},{"_key":"cb403f242e3b","_type":"block","children":[{"_key":"877bebc4a6200","_type":"span","marks":["strong"],"text":"Total return"}],"markDefs":[],"style":"h4"},{"_key":"e1bea9210dd1","_type":"block","children":[{"_key":"fb5b03967cd8","_type":"span","marks":[],"text":"Total return encompasses both the appreciation (or depreciation) in the principal investment plus any dividends or interest earned over a specific period."}],"markDefs":[],"style":"normal"},{"_key":"8eb294ea6e2f","_type":"block","children":[{"_key":"787bcb3730040","_type":"span","marks":["strong"],"text":"Trading volume"}],"markDefs":[],"style":"h4"},{"_key":"95a0391f5573","_type":"block","children":[{"_key":"52e2a0f9f0f4","_type":"span","marks":[],"text":"Trading volume is the total number of shares traded for a specific security during a given period. A high trading volume often indicates increased interest in that security, for example, whereas a low trading volume suggests the opposite."}],"markDefs":[],"style":"normal"},{"_key":"a9ab8ed3648d","_type":"block","children":[{"_key":"bc50c9895fab","_type":"span","marks":["strong"],"text":"Transaction fee"}],"markDefs":[],"style":"h4"},{"_key":"0254cb8ac2cd","_type":"block","children":[{"_key":"770e87047191","_type":"span","marks":[],"text":"A transaction fee is a charge imposed by an investment platform for executing a trade within an investment account."}],"markDefs":[],"style":"normal"},{"_key":"7c37d48ed7e2","_type":"block","children":[{"_key":"78255d69daa00","_type":"span","marks":["strong"],"text":"Treasury bonds"}],"markDefs":[],"style":"h4"},{"_key":"ef9a8811f85f","_type":"block","children":[{"_key":"fdfa48b8f2ab","_type":"span","marks":[],"text":"Treasury bonds are long-term government bonds with fixed interest rates issued by the US Department of the Treasury. Like UK gilts, they're generally considered to be low risk investments."}],"markDefs":[],"style":"normal"}],"title":"T"}]},{"_key":"47adab5547ee","_type":"block","children":[{"_key":"a539d33843d1","_type":"span","marks":[],"text":""},{"_key":"17d5bdfce0f0","_type":"mainAnchor","pageAnchor":{"_ref":"f49e2dc7-879a-4bae-8df6-6f54a69bbc48","_type":"reference"}},{"_key":"5eb9299abe2f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e4c8ee0db985","_type":"dropdownWidget","items":[{"_key":"2fb4e9c023aa","_type":"dropdownObject","text":[{"_key":"2655c953de12","_type":"block","children":[{"_key":"a5e33f2b7d380","_type":"span","marks":[],"text":"Underlying investments"}],"markDefs":[],"style":"h4"},{"_key":"ea1d60470d91","_type":"block","children":[{"_key":"62825c3848ad","_type":"span","marks":[],"text":"An underlying investments is an asset or investment within an investment product or portfolio. For example, shares, bonds and commodities may be underlying investments in a multi-asset fund."}],"markDefs":[],"style":"normal"}],"title":"U"}]},{"_key":"c4f8b456b704","_type":"block","children":[{"_key":"9fcaa15de288","_type":"span","marks":[],"text":""},{"_key":"187795553bcb","_type":"mainAnchor","pageAnchor":{"_ref":"44113b7a-b3f2-4148-a638-0391401e4b1e","_type":"reference"}},{"_key":"d6e662d6d239","_type":"span","marks":[],"text":""},{"_key":"397ff886a3e7","_type":"mainAnchor","pageAnchor":{"_ref":"8348a96f-5f71-4826-8508-d7fae6b929f6","_type":"reference"}},{"_key":"157ae6cf9eb2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d6c7bc5d8ad2","_type":"dropdownWidget","items":[{"_key":"18b6cc1e93f0","_type":"dropdownObject","text":[{"_key":"4f660e0df3b0","_type":"block","children":[{"_key":"90b2da18afa90","_type":"span","marks":["strong"],"text":"Value investing"}],"markDefs":[],"style":"h4"},{"_key":"c9c19b9d6390","_type":"block","children":[{"_key":"093d4b27f804","_type":"span","marks":[],"text":"Value investing is an investment strategy that focuses on selecting shares or securities believed to be trading at a lower price than their intrinsic value. Investors aim to generate a profit on these undervalued assets as and when they increase in value."}],"markDefs":[],"style":"normal"},{"_key":"bcbc4de6ef47","_type":"block","children":[{"_key":"ef810d447591","_type":"span","marks":[],"text":"Volatility"}],"markDefs":[],"style":"h4"},{"_key":"a7919fc153e6","_type":"block","children":[{"_key":"c605e804ba9e","_type":"span","marks":[],"text":"Volatility describes the price movement of an investment or index. High volatility indicates frequent and significant price movement, whereas low volatility denotes less frequent or severe fluctuations in price. In investment speak, a high risk investment is one which has high volatility."}],"markDefs":[],"style":"normal"}],"title":"V"}]},{"_key":"6b37d11be94b","_type":"block","children":[{"_key":"7e889925a527","_type":"span","marks":[],"text":""},{"_key":"6965f683fad7","_type":"mainAnchor","pageAnchor":{"_ref":"866c5b8e-05bc-408e-ac62-fe8fe26141ea","_type":"reference"}},{"_key":"3a266da2d952","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3211122ec76a","_type":"dropdownWidget","items":[{"_key":"1cdcaf71cbff","_type":"dropdownObject","text":[{"_key":"27ee695e2d0e","_type":"block","children":[{"_key":"26e1630880430","_type":"span","marks":["strong"],"text":"Wealth manager"}],"markDefs":[],"style":"h4"},{"_key":"4ac63049c4bd","_type":"block","children":[{"_key":"5c2486f12400","_type":"span","marks":[],"text":"A wealth manager is an individual or company which offers professional assistance in managing an individual's finances, including investments, estate planning, tax strategies, and more. Their aim is to build and protect wealth for their customers."}],"markDefs":[],"style":"normal"},{"_key":"035b631ed3ea","_type":"block","children":[{"_key":"3a1867ba6539","_type":"span","marks":[],"text":"Workplace pension"}],"markDefs":[],"style":"h4"},{"_key":"0a8875eba368","_type":"block","children":[{"_key":"4384b9998f8b","_type":"span","marks":[],"text":"A workplace pension is a type of pension set up by an employer for its employees. Both the employee and the employer contribute to it. The auto-enrolment scheme, introduced in 2012, stipulates that UK employers must enroll all employees who meet certain requirements in a workplace pension scheme. It also outlines minimum contributions for both parties - 5% for employees and 3% for employers."}],"markDefs":[],"style":"normal"}],"title":"W"}]},{"_key":"dedac8c8e713","_type":"block","children":[{"_key":"56ea9b3caaf7","_type":"span","marks":[],"text":""},{"_key":"18c4fc2dbb38","_type":"mainAnchor","pageAnchor":{"_ref":"922bb438-384b-4039-b8d3-f5ed6bd94e75","_type":"reference"}},{"_key":"8bb4d9394ec9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c075083b074e","_type":"dropdownWidget","items":[{"_key":"a9ce8baf661c","_type":"dropdownObject","text":[{"_key":"0de7b57e5de8","_type":"block","children":[{"_key":"0003b2e5b4ff","_type":"span","marks":[],"text":"Yield"}],"markDefs":[],"style":"h4"},{"_key":"296d59384fd2","_type":"block","children":[{"_key":"c66cb6617d20","_type":"span","marks":[],"text":"The yield is the return or profit on an investment, usually expressed as a percentage of the total price. So for example, if the yield on a bond is 5%, this means an investor with £100 in that bond would get £5 of income a year. The yield can include dividends, interest or any other earnings."}],"markDefs":[],"style":"normal"}],"title":"Y"}]},{"_key":"9e2dbb9ccb1e","_type":"block","children":[{"_key":"0e86553a5856","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"214f51532c2c","_type":"block","children":[{"_key":"9397cb0516430","_type":"span","marks":["em"],"text":"Boring Money's glossary is intended to be used for informational purposes only. It does not constitute financial advice or an endorsement of any investment strategy. While efforts have been made to ensure accuracy, investing concepts and terminology may vary and evolve. Readers are encouraged to conduct thorough research and/or "},{"_key":"35e68d7af322","_type":"span","marks":["em","2ac3e84997e7"],"text":"consult with a qualified financial adviser"},{"_key":"bb666d692d9e","_type":"span","marks":["em"],"text":" before making any investment decisions."}],"markDefs":[{"_key":"2ac3e84997e7","_type":"internalLinkPick","reference":{"_ref":"63a19438-721c-4042-b811-f8f2af951e0e","_type":"reference"}}],"style":"normal"}],"excerpt":[{"_key":"ab3040e01784","_type":"block","children":[{"_key":"2f8d19ca1f520","_type":"span","marks":[],"text":"Boring Money's glossary has been created to help you better understand the world of finance and investing. Use it to break through the jargon and learn about common financial words and technical terms that relate to your money."}],"markDefs":[],"style":"normal"}],"linkMenu":[{"_key":"20eb3e6866fc","_ref":"89e11648-b86c-4ffd-a554-f2770c7d054d","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":"An image of an open book and a set of Scrabble letters spelling out 'glossary'","asset":{"_ref":"image-e7bb499b6f0e9736ca8cd31bd4ea6864375b3101-1920x1080-png","_type":"reference"}},"pageBreadcrumb":{"_ref":"2728f286-5c8c-4de2-b707-327b69fa13a9","_type":"reference"},"publishedAt":"2023-12-04T09:41:51.010Z","slug":{"_type":"slug","current":"glossary"},"subfolder":{"_ref":"83495465-d1dd-4049-a955-b065009036e6","_type":"reference"},"subtitle":"A-Z of investing terms and phrases","template":"C-SB","theme":"Boring Money theme","title":"Glossary","widgets":[{"_key":"a88f134deb64","_ref":"79cbfce0-99a3-451e-82d4-c0b6a4487777","_type":"reference"},{"_key":"7270ddcc8d91","_ref":"3fefd2ec-9177-427c-9149-529cd1417d24","_type":"reference"},{"_key":"cc966f5278c5","_ref":"3a6edac9-161a-4f04-9675-c3dbaeffad1b","_type":"reference"},{"_key":"1416d66cb082","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"}],"id":"-1ccb90ef-e8b8-50f8-afca-6922d54ba2c5","children":[],"parent":null},"text":"CLICK HERE"},{"_key":"52867c3025a6","_type":"prosConsWidget"},{"_key":"eb014e175dce","_type":"block","children":[{"_key":"e8d83c59520c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3ce205101f11","_type":"textboxWidget","text":[{"_key":"5897c9c5c6d6","_type":"block","children":[{"_key":"e44f5c9ca72f","_type":"span","marks":[],"text":"Historically, money invested for more than five years grows more than cash savings. Remember that investments can also fall, so you might not get all of your money back. Tax treatment depends on individual circumstances and may change."}],"markDefs":[],"style":"normal"}],"title":"Information: "},{"_key":"f716293b728e","_type":"block","children":[{"_key":"2d19c3977e21","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"brazeCustomAttributes":[{"_key":"8814180d635e","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_ProviderPage","customAttributeValue":"https://www.boringmoney.co.uk/isas-pensions/aj-bell-youinvest/"}],"categories":[{"_id":"2845ba64-de47-4336-abc9-216ccbb41a52","_type":"category","_rev":"MHiI0B0r7wy6aa3WlFJ6WK","_createdAt":"2022-04-04T09:10:52Z","_updatedAt":"2023-04-28T10:55:48Z","title":"Boring Money Provider Reviews","id":"-56aed686-14fa-58a1-a350-8da89430a4ad","children":[],"parent":null}],"company":{"_id":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4Tz","_createdAt":"2021-09-22T15:39:35Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","rev":"YjNvQx4tqfWKwO39EgsuHM"}},"bestBuyAward":{"_id":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"bestBuyAward","_rev":"0FvTSp1yYRm2ugsQpTGUfg","_createdAt":"2026-01-28T13:58:18Z","_updatedAt":"2026-01-28T15:22:02Z","_system":{"base":{"id":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","rev":"XeGAzLHcGDR0dnJYGdNqKN"}},"bestBuyCompareTableLogo":{"_type":"image","asset":{"_ref":"image-007140428d612ce1b60906f9b595c70495cc175b-620x136-png","_type":"reference"}},"informationPage":{"_ref":"fc994c15-ecef-47c1-8b6b-3f316df1f542","_type":"reference"},"name":"Best Buy ISA 2026","providerPageLogo":{"_type":"image","asset":{"_ref":"image-5153835585a1a06339ad0537a54dfafadd68dc20-3201x3200-png","_type":"reference"}},"id":"-aa88658f-6979-553e-ae78-03d471c74923","children":[],"parent":null},"bestBuyAwardVisible":{"_id":"b0e152d6-2c69-4b10-8fba-28572e0ec00f","_type":"bestBuyAward","_rev":"egjFlmBQLSmNMJppSTkDNo","_createdAt":"2022-09-06T14:47:27Z","_updatedAt":"2022-10-03T12:57:15Z","name":"ISA rated by Visible","providerPageLogo":{"_type":"image","asset":{"_ref":"image-0a57ebd908fb84222354e55def54e40a0b6cc306-3840x2160-png","_type":"reference"}},"id":"-83984716-1549-5ab7-85af-49f120ab5551","children":[],"parent":null},"bestBuyType":"ISA","companyBBCats":["DIY","BIGBRAND"],"companyDisplayName":"AJ Bell ","companyLogo":{"_type":"mainImage","alt":"AJ Bell","asset":{"_id":"image-ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080-jpg","_type":"sanity.imageAsset","_rev":"YyKAMdtTUUtpI3N1EPsP2Y","_createdAt":"2022-11-03T11:09:04Z","_updatedAt":"2022-11-03T11:09:04Z","assetId":"ba6b86859eb77ea1543666422f6b957e0e025fb6","extension":"jpg","metadata":{"_type":"sanity.imageMetadata","blurHash":"eKSs1[$+xatRkWxuayayj[fk_NN[NGjZaKtRofkCayf68_spt7bHoz","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1,"height":1080,"width":1080},"hasAlpha":false,"isOpaque":true,"lqip":"data:image/jpeg;base64,/9j/2wBDAAYEBQYFBAYGBQYHBwYIChAKCgkJChQODwwQFxQYGBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0oMCUoKSj/2wBDAQcHBwoIChMKChMoGhYaKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCj/wAARCAAUABQDASIAAhEBAxEB/8QAGQABAAIDAAAAAAAAAAAAAAAAAAIFBAYI/8QAJBAAAgEDAwMFAAAAAAAAAAAAAQIAAwQRBQYxEhMhFEFRgZH/xAAVAQEBAAAAAAAAAAAAAAAAAAAAAv/EABgRAQADAQAAAAAAAAAAAAAAAAABAhES/9oADAMBAAIRAxEAPwDqUVqRcoKi9Q5GfIkg6k4DDPxmUV7t83WrVLwXDUg1Pt9CePszEG2rs3He9eyODyvuIXeKxnM62kMp4I/YlLY6NVtqTIblnyxbJiELuIiAiIgf/9k=","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#36333d","foreground":"#fff","population":1.42,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#91253e","foreground":"#fff","population":0.1,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#36333d","foreground":"#fff","population":1.42,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#dabcca","foreground":"#000","population":0.31,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#fc447c","foreground":"#fff","population":0,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#828287","foreground":"#fff","population":0.18,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#ce0a37","foreground":"#fff","population":1.32,"title":"#fff"}}},"mimeType":"image/jpeg","originalFilename":"AJ bell white.jpg","path":"images/k8qzcdw3/prod1503/ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080.jpg","sha1hash":"ba6b86859eb77ea1543666422f6b957e0e025fb6","size":157404,"uploadId":"6nuzqUS7RoafdAIbvOQHmgU6dNizvdtZ","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080.jpg","filename":"AJ bell white.jpg","width":1080,"height":1080,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080.jpg?rect=180,0,720,1080&w=%width%&h=%height%&q=80","id":"image-ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080-jpg","children":[],"parent":null}},"companyName":"ISA AJ Bell ","comparisonCriteria":[{"_key":"5b3b66167a58","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"625d03981542","_type":"block","children":[{"_key":"925c3f750328","_type":"span","marks":[],"text":"AJ Bell Youinvest is a low-cost option for people who are comfortable with investing. There are loads of investment options – including individual shares and funds."}],"markDefs":[],"style":"normal"}]},{"_key":"cf69445630dc","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"835d385ebf4e","_type":"block","children":[{"_key":"694229e5ce4d","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"3dfd64229d89","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"10139c683a66","_type":"block","children":[{"_key":"144d309be63a","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"e48fae2e551a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"c14096adcb85","_type":"block","children":[{"_key":"52497a298a11","_type":"span","marks":[],"text":"Funds: 0.25%"}],"markDefs":[],"style":"normal"},{"_key":"22c2c4527516","_type":"block","children":[{"_key":"9f269d0c58f1","_type":"span","marks":[],"text":"Shares: 0.25% (maximum £3.50 per month)"}],"markDefs":[],"style":"normal"}]},{"_key":"2f9d81a493c3","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"020ebd6985a5","_type":"block","children":[{"_key":"36e6ef610196","_type":"span","marks":[],"text":"Funds: £1.50"}],"markDefs":[],"style":"normal"},{"_key":"5a832c25a673","_type":"block","children":[{"_key":"924915d1fb92","_type":"span","marks":[],"text":"Shares: £9.95 (where there were 10 or more deals in the previous month: £4.95)"}],"markDefs":[],"style":"normal"}]},{"_key":"958c2e4fb84f","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"00ceae9988aa","_type":"block","children":[{"_key":"98cfce9054c1","_type":"span","marks":[],"text":"1% (for the first £10k)"}],"markDefs":[],"style":"normal"},{"_key":"cf57942305b8","_type":"block","children":[{"_key":"1ec042ad50d0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"3c34be707ddc","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"f9be8b1879bd","_type":"block","children":[{"_key":"8a39ff7d970f","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"90bec717d421","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"468b1367d41a","_type":"block","children":[{"_key":"de1e2405d65c","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"97a68de34db5","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"454d5721f9b5","_type":"block","children":[{"_key":"2cf9eb6f123b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"0ac9398006bb","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"2c771a0586be","_type":"block","children":[{"_key":"a5b40fb5ba7a","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"1206fede535a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"10c3b0e42e84","_type":"block","children":[{"_key":"66e8a836fee6","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"b5874d07c16c","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"758cdedbc8ad","_type":"block","children":[{"_key":"253bdf76e1ea","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"12bbfe1f847b","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"713ce4f4504a","_type":"block","children":[{"_key":"6d149843cc60","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"a8e74482753e","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"0e5d65f16c1a","_type":"block","children":[{"_key":"0e670213f7b1","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"22120EF3-6F72-4AF4-9DB1-1B4593236051","inANutshell":["Low cost","May be complex for beginners","Good investment ideas and content"],"mostPopularRank":1,"noOfReviews":"1713","ourRating":"9","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_id":"5a480dd3-c7ab-4c8b-984a-3de0046c41e8","_type":"linkCategory","_rev":"vIm9lhvf1eHBOprglWgSpR","_createdAt":"2021-09-30T09:59:44Z","_updatedAt":"2025-08-29T15:58:13Z","_system":{"base":{"id":"5a480dd3-c7ab-4c8b-984a-3de0046c41e8","rev":"guBcY84kuKMfbgZSFDkOMZ"}},"affiliateLink":true,"description":"Affiliate UTM AJ BELL ISA\n\n\nbraze-user-id replaced wherever it is in URL\nhttps://www.ajbell.co.uk/isa-affiliate?utm_source=boringmoney.co.uk&utm_medium=affiliates&utm_campaign=isa&SSKEY=f1986fa8a31947ec9b453c47b2a2f461&dclid=CJeB_L2P_oQDFTwkBgAd-poMCw","url":"https://clk.omgt1.com/?PID=9933&AID=2133228","id":"-82b9d58d-4529-5e49-985c-2840b3ad2dbb","children":[],"parent":null},"reviewReference":{"_id":"1dbcb796-5201-4542-a5fd-e9d2d02257e5","_type":"information","_rev":"2RlbKxeFZqpYApAqPGOo09","_createdAt":"2021-08-30T10:22:08Z","_updatedAt":"2026-03-19T15:21:56Z","_system":{"base":{"id":"1dbcb796-5201-4542-a5fd-e9d2d02257e5","rev":"4lXD1QprlKmqniOHag4Vg8"}},"authors":[{"_key":"662e6f97303e","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"00eff1456ec5","_type":"block","children":[{"_key":"f3e7bbe6b4a3","_type":"span","marks":[],"text":"Written by "},{"_key":"902361b6c17b","_type":"span","marks":["554cc5821090"],"text":"Boring Money"}],"markDefs":[{"_key":"554cc5821090","_type":"internalLinkPick","blank":true,"reference":{"_ref":"d303d967-e483-4761-b7bf-65760d5b1b66","_type":"reference"}}],"style":"normal"}],"body":[{"_key":"64d883e5b037","_type":"providerHeaderWidget","company":{"_ref":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"reference"}},{"_key":"fa1b3a048ea6","_type":"anchorMenuMobile","title":"Menu"},{"_key":"c439a6669519","_type":"block","children":[{"_key":"3425011d0160","_type":"span","marks":[],"text":""},{"_key":"3eeb323c92af","_type":"mainAnchor","pageAnchor":{"_ref":"be67f70a-2e31-4e77-9282-6784550f85ce","_type":"reference"}},{"_key":"1edc41c1b5ca","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f6a28598db68","_type":"ourRatingWidget","company":{"_ref":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"reference"}},{"_key":"b11941ec1ce8","_type":"block","children":[{"_key":"023ca6f3bc78","_type":"span","marks":[],"text":""},{"_key":"5b929bdbe8ed","_type":"mainAnchor","pageAnchor":{"_ref":"e17eb14a-5082-4a31-911c-e8cf2665fa72","_type":"reference"}},{"_key":"2805d9920419","_type":"span","marks":[],"text":"Investment expert’s opinion "}],"markDefs":[],"style":"h2"},{"_key":"f46d48a93aac","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money*","photo":{"_type":"mainImage","alt":"Image of Holly Mackay","asset":{"_ref":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png","_type":"reference"}},"quote":[{"_key":"491aec6c28f2","_type":"block","children":[{"_key":"a772802cbb48","_type":"span","marks":[],"text":"AJ Bell is a good all-rounder and consistently competitive on price. There is a lot of choice which will satisfy most, although beginners might find it more challenging to sift through the fund research."}],"markDefs":[],"style":"normal"}]},{"_key":"ec097914cd61","_type":"block","children":[{"_key":"eb044f6430fb","_type":"span","marks":["em"],"text":"*This is the view of investment expert Holly Mackay based on her first-hand customer experience as a test account holder. This does not constitute regulated advice. You can read more about Holly's investments "},{"_key":"8c3ddff4801f","_type":"span","marks":["em","d4936de4e301"],"text":"here"},{"_key":"478850336ce9","_type":"span","marks":["em"],"text":"."}],"markDefs":[{"_key":"d4936de4e301","_type":"internalLinkPick","reference":{"_ref":"6dff6a49-b6ac-46cf-abed-819cb7486e2d","_type":"reference"}}],"style":"small"},{"_key":"cd81258ffe67","_type":"block","children":[{"_key":"1d64f7bad2b1","_type":"span","marks":[],"text":""},{"_key":"68b08e5cad2e","_type":"mainAnchor","pageAnchor":{"_ref":"522348ce-ba06-4d6e-9a76-bf943875d0cf","_type":"reference"}},{"_key":"3ca092daee7f","_type":"span","marks":[],"text":"Who is AJ Bell?"}],"markDefs":[],"style":"h2"},{"_key":"160d2f72dd36","_type":"block","children":[{"_key":"f7921e700da30","_type":"span","marks":[],"text":"Founded in 1995, AJ Bell is one of the largest investment platforms in the UK. It manages assets worth over £103.3 billion and has over 670,000 customers. It was publicly listed on the London Stock Exchange in 2019 and is included in the FTSE 250 index. At the heart of AJ Bell’s business is its core purpose - ”we help people to invest” - which it says drives its commitment to ease of use, good value and a wide range of investment options."}],"markDefs":[],"style":"normal"},{"_key":"8cea4f2ed50d","_type":"textboxWidget","text":[{"_key":"47fb3226d40a","_type":"block","children":[{"_key":"3a75c71565690","_type":"span","marks":["strong"],"text":"AJ Bell won the following at Boring Money’s Best Buy Awards in 2025:"}],"markDefs":[],"style":"normal"},{"_key":"98175e1176d6","_type":"block","children":[{"_key":"e0561a87427b","_type":"span","marks":[],"text":"🏆 "},{"_key":"2ed6fffa6b61","_type":"span","marks":["2c558b98dee0"],"text":"Best Buy ISA "}],"markDefs":[{"_key":"2c558b98dee0","_type":"internalLinkPick","reference":{"_ref":"2ad629d9-20cb-4c7a-baa9-ff52494a3b0d","_type":"reference"}}],"style":"normal"},{"_key":"e1b3ce601995","_type":"block","children":[{"_key":"fc8420be6129","_type":"span","marks":[],"text":"🏆 "},{"_key":"1a88e02da92c","_type":"span","marks":["cbaef7e6a0ad"],"text":"Best Buy Pension "}],"markDefs":[{"_key":"cbaef7e6a0ad","_type":"internalLinkPick","reference":{"_ref":"41b7c255-2a4e-415c-bc4e-74bc27a97f1e","_type":"reference"}}],"style":"normal"},{"_key":"27975b7dbbac","_type":"block","children":[{"_key":"7328726e2346","_type":"span","marks":[],"text":"🏆 "},{"_key":"54d8a003f1fc","_type":"span","marks":["94d71ed02eec"],"text":"Best Buy LISA "}],"markDefs":[{"_key":"94d71ed02eec","_type":"internalLinkPick","reference":{"_ref":"7751737d-084c-4a55-9046-e35ea8792d3c","_type":"reference"}}],"style":"normal"},{"_key":"f711d24f959a","_type":"block","children":[{"_key":"21d7be02b284","_type":"span","marks":[],"text":"🏆"},{"_key":"992d954dc539","_type":"span","marks":["64168a34ce7c"],"text":" Best for Low-Cost ISA Funds & Shares"}],"markDefs":[{"_key":"64168a34ce7c","_type":"internalLinkPick","reference":{"_ref":"49d5fee0-7d2a-4e49-8c59-9a828e411268","_type":"reference"}}],"style":"normal"},{"_key":"13f98292db1d","_type":"block","children":[{"_key":"2bde2306d11d","_type":"span","marks":[],"text":"🏆 "},{"_key":"a58be69bfdc3","_type":"span","marks":["2f316a59d117"],"text":"Best for Low-Cost Pension<50k"}],"markDefs":[{"_key":"2f316a59d117","_type":"internalLinkPick","reference":{"_ref":"6b117d65-8d5f-4b41-ab76-72ad931731a5","_type":"reference"}}],"style":"normal"},{"_key":"09ed1287e86f","_type":"block","children":[{"_key":"8eaf5768b375","_type":"span","marks":[],"text":"🏆 "},{"_key":"fab4481a1ddd","_type":"span","marks":["e1d5351046e1"],"text":"Best for Customer Service"}],"markDefs":[{"_key":"e1d5351046e1","_type":"internalLinkPick","reference":{"_ref":"76a171af-4523-416f-8eb9-6df7272d8c2d","_type":"reference"}}],"style":"normal"},{"_key":"8b5cf4e9d9f8","_type":"block","children":[{"_key":"3999e59fe48c","_type":"span","marks":[],"text":"🏆 "},{"_key":"ba00caf7971b","_type":"span","marks":["8fb40243f584"],"text":"Best for Investment Trusts"}],"markDefs":[{"_key":"8fb40243f584","_type":"internalLinkPick","reference":{"_ref":"9339412f-84fd-40d7-a922-576b8369e6ce","_type":"reference"}}],"style":"normal"},{"_key":"7deaeda4f432","_type":"block","children":[{"_key":"bf668e0162f1","_type":"span","marks":[],"text":"🏆 "},{"_key":"34f78521c5fb","_type":"span","marks":["45629fce6358"],"text":"Best for Investment Research"}],"markDefs":[{"_key":"45629fce6358","_type":"internalLinkPick","reference":{"_ref":"df3d4346-4cfc-4a90-8bfa-1a9016dcd649","_type":"reference"}}],"style":"normal"},{"_key":"7c20272c6fd6","_type":"block","children":[{"_key":"c5fe4ca759e1","_type":"span","marks":[],"text":"🌟"},{"_key":"5bd19ccf9baf","_type":"span","marks":["cade2f145973"],"text":"Value for Money"}],"markDefs":[{"_key":"cade2f145973","_type":"internalLinkPick","reference":{"_ref":"761488e4-e055-4464-95fb-bca84ca22570","_type":"reference"}}],"style":"normal"},{"_key":"4cd2f39b891d","_type":"block","children":[{"_key":"e3d4f4cb9d18","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"af75522b47a0","_type":"block","children":[{"_key":"201bed69bead","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"466052c7177a","_type":"block","children":[{"_key":"a76f78c8b546","_type":"span","marks":[],"text":""},{"_key":"cf4a919a7105","_type":"mainAnchor","pageAnchor":{"_ref":"cf6f26cf-1a25-40c6-b9bc-7eea852a160b","_type":"reference"}},{"_key":"bae5cf7f504d","_type":"span","marks":[],"text":"Who is AJ Bell good for?"}],"markDefs":[],"style":"h2"},{"_key":"eb8a267e8cab","_type":"block","children":[{"_key":"aa5e4440fb230","_type":"span","marks":[],"text":"One of the best options in the UK, this service is suited for people with a little experience, providing lots of supporting information and guidance to support learning and increasingly confident decision-making. Costs are very reasonable and the support for beginners with ambitions to learn makes it a good option for aspiring investors. Not for those who prefer to take a back seat and do the bare minimum though. In terms of charges, AJ Bell is cheap for large portfolios, with no platform fees above £500k, and relatively cheap for smaller portfolios. Plus there’s a wide range of investments to choose from."}],"markDefs":[],"style":"normal"},{"_key":"a2e23ac8ba9b","_type":"block","children":[{"_key":"5be70b761b79","_type":"span","marks":[],"text":""},{"_key":"8303a060a9bb","_type":"mainAnchor","pageAnchor":{"_ref":"68a2740c-2fdd-48f2-a439-70e9257fa1dc","_type":"reference"}},{"_key":"a3998b3e87df","_type":"span","marks":[],"text":"Pros and cons"}],"markDefs":[],"style":"h2"},{"_key":"03d073889ac7","_type":"prosConsWidget","cons":["May be too complex for beginners","User experience isn’t as smooth as some competitors","£1.50 charge to buy and sell funds which will annoy frequent traders"],"consTitle":"Cons","pros":["Good range and choice ","Good supporting research and content","Reasonably priced "],"prosTitle":"Pros"},{"_key":"3c092e679d2d","_type":"block","children":[{"_key":"1e28c3d922e6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a9791f0c84da","_type":"block","children":[{"_key":"174ae35eb5ff","_type":"span","marks":[],"text":""},{"_key":"2012d05ef0f2","_type":"mainAnchor","pageAnchor":{"_ref":"9e51cdf7-15a0-4f71-a312-6ed8618ed389","_type":"reference"}},{"_key":"608069a5b37d","_type":"span","marks":[],"text":"Investments"}],"markDefs":[],"style":"h2"},{"_key":"a7657dab4d8a","_type":"block","children":[{"_key":"ada3be22d832","_type":"span","marks":[],"text":"AJ Bell users can access a wide range of over 6,000 investment options, including:"}],"markDefs":[],"style":"normal"},{"_key":"33a5d4aad955","_type":"tableControl","rows":[{"_key":"6de690502e3f","_type":"row","cells":[{"_key":"898bfef07457","_type":"cell","cellLink":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"},"tableStyle":"W","value":[{"_key":"f8c82598a578","_type":"block","children":[{"_key":"04d6f5fd75260","_type":"span","marks":[],"text":"Shares "}],"markDefs":[],"style":"normal"}]}]},{"_key":"826312048398","_type":"row","cells":[{"_key":"de46a2c969c3","_type":"cell","cellLink":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"},"tableStyle":"W","value":[{"_key":"8892095465a8","_type":"block","children":[{"_key":"2d3d72f0d3070","_type":"span","marks":[],"text":"Funds "}],"markDefs":[],"style":"normal"}]}]},{"_key":"1d19ae6f204c","_type":"row","cells":[{"_key":"368ec5145586","_type":"cell","cellLink":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"},"tableStyle":"W","value":[{"_key":"ea9c55384d54","_type":"block","children":[{"_key":"2b158ebd9a820","_type":"span","marks":[],"text":"Investment trusts "}],"markDefs":[],"style":"normal"}]}]},{"_key":"6453d61316c7a2a663c2d2ea32db2da5","_type":"row","cells":[{"_key":"368ec5145586","_type":"cell","cellLink":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"},"tableStyle":"W","value":[{"_key":"ea9c55384d54","_type":"block","children":[{"_key":"2b158ebd9a820","_type":"span","marks":[],"text":"ETFs"}],"markDefs":[],"style":"normal"}]}]},{"_key":"7fe1ae8aff91b079f364755413031fd7","_type":"row","cells":[{"_key":"368ec5145586","_type":"cell","tableStyle":"W","value":[{"_key":"189e9a8939ee","_type":"block","children":[{"_key":"96a15025b0220","_type":"span","marks":[],"text":"Bonds"}],"markDefs":[],"style":"normal"}]}]},{"_key":"ed0942e1662c1c7c6766005bf647a620","_type":"row","cells":[{"_key":"368ec5145586","_type":"cell","tableStyle":"W","value":[{"_key":"bdcb99899d30","_type":"block","children":[{"_key":"f885e49209800","_type":"span","marks":[],"text":"Gilts"}],"markDefs":[],"style":"normal"}]}]},{"_key":"b3bd393465e5af4bf5f82759d0145a9d","_type":"row","cells":[{"_key":"368ec5145586","_type":"cell","cellLink":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"},"tableStyle":"W","value":[{"_key":"b5126e1f395f","_type":"block","children":[{"_key":"35515c5f405d0","_type":"span","marks":[],"text":"Ready-made portfolios "}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"ALL-W","title":"Investments"},{"_key":"843eb8498940","_type":"block","children":[{"_key":"bc3a2d5af2b5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"85d134889677","_type":"block","children":[{"_key":"9ecd365fe446","_type":"span","marks":[],"text":""},{"_key":"13755fa493c1","_type":"mainAnchor","pageAnchor":{"_ref":"605cc8d4-a85e-4d6d-94d8-0c4cbebac403","_type":"reference"}},{"_key":"df1af9d4a5e4","_type":"span","marks":[],"text":"Accounts"}],"markDefs":[],"style":"h2"},{"_key":"7e3837c6f511","_type":"block","children":[{"_key":"a30402357b25","_type":"span","marks":[],"text":"AJ Bell offers a range of accounts. The table below shows a breakdown of which ones are available and you can scroll down for more information about AJ Bell’s ISA, Pension, LISA and JISA."}],"markDefs":[],"style":"normal"},{"_key":"02297da26b39","_type":"tableControl","rows":[{"_key":"d553eb7e8b7d","_type":"row","cells":[{"_key":"8ba431a4e375","_type":"cell","tableStyle":"DB","value":[{"_key":"9d88145724e8","_type":"block","children":[{"_key":"def9e141d4400","_type":"span","marks":[],"text":"Stocks & Shares ISA"}],"markDefs":[],"style":"normal"}]},{"_key":"83bd6dcb3dcf","_type":"cell","tableStyle":"DB","value":[{"_key":"b8717e35047c","_type":"block","children":[{"_key":"7f6a2335c5830","_type":"span","marks":[],"text":"Pension (SIPP)"}],"markDefs":[],"style":"normal"}]},{"_key":"31128ead34c2","_type":"cell","tableStyle":"DB","value":[{"_key":"e2001f62cb05","_type":"block","children":[{"_key":"ec6e10bad3ff0","_type":"span","marks":[],"text":"General Investment Account (GIA)"}],"markDefs":[],"style":"normal"}]},{"_key":"56c70b5820d8","_type":"cell","tableStyle":"DB","value":[{"_key":"40217b6a7243","_type":"block","children":[{"_key":"dbb976f4bf520","_type":"span","marks":[],"text":"Lifetime ISA"}],"markDefs":[],"style":"normal"}]},{"_key":"52494242a1a4","_type":"cell","tableStyle":"DB","value":[{"_key":"c4c25c83a69e","_type":"block","children":[{"_key":"6e973223ccce0","_type":"span","marks":[],"text":"Junior ISA"}],"markDefs":[],"style":"normal"}]}]},{"_key":"b52c4264359e","_type":"row","cells":[{"_key":"e212a9c78685","_type":"cell","tableStyle":"W","value":[{"_key":"5814eee43950","_type":"block","children":[{"_key":"e1994bda8d0b","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"60afa26d9702","_type":"cell","tableStyle":"W","value":[{"_key":"10f4079d6321","_type":"block","children":[{"_key":"1c99017b106c","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"5f50d546601f","_type":"cell","tableStyle":"W","value":[{"_key":"6608a198e7c0","_type":"block","children":[{"_key":"aa0d69c14b6a","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"a262a593642f","_type":"cell","tableStyle":"W","value":[{"_key":"ee93a9a23509","_type":"block","children":[{"_key":"e47178232127","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"f2b9b755e66d","_type":"cell","tableStyle":"W","value":[{"_key":"e9b320187dfb","_type":"block","children":[{"_key":"e107c889e03d","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"Accounts"},{"_key":"38bdd0a440b1","_type":"block","children":[{"_key":"3e5f1775d12b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d305e0978abd","_type":"block","children":[{"_key":"5e2b36913b3e","_type":"span","marks":[],"text":""},{"_key":"d36d7a3e3f1b","_type":"mainAnchor","pageAnchor":{"_ref":"2c997e7d-1bea-4476-9de0-5ed9b0515370","_type":"reference"}},{"_key":"b6b0ea4d9433","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"df2752dad7b2","_type":"textboxWidget","text":[{"_key":"0fae1a711445","_type":"block","children":[{"_key":"8f5543cf7499","_type":"span","marks":[],"text":"AJ Bell has a "},{"_key":"0c8cadc8eb76","_type":"span","marks":["8da1cb090b0b"],"text":"Stocks & Shares ISA"},{"_key":"790bac8107c8","_type":"span","marks":[],"text":", where you can invest up to £20,000 every year completely tax-free."}],"markDefs":[{"_key":"8da1cb090b0b","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"3f20693b95bc","_type":"block","children":[{"_key":"052fa58002fc0","_type":"span","marks":[],"text":"For those who want freedom and choice, AJ Bell offers access to over 4,000 fund options, alongside ETFs, investment trusts, and shares from 25 international markets."}],"markDefs":[],"style":"normal"},{"_key":"b207a9feba27","_type":"block","children":[{"_key":"e493a622c6620","_type":"span","marks":[],"text":"There are also easily accessible ready-made options for investors who’d prefer to avoid the hassle of picking investments and find the range of choice overwhelming. AJ Bell offer ready-made funds, and a ready-made portfolio that gives you a quick, simple and cost-effective route to accessing the investment world."}],"markDefs":[],"style":"normal"},{"_key":"fe80e5cc33bb","_type":"block","children":[{"_key":"59955a4c60c3","_type":"span","marks":[],"text":"You can set up an AJ Bell ISA with a £250 lump sum investment, or a £25 monthly regular contribution. All ISA customers also get access to AJ Bell’s exclusive Shares digital magazine."}],"markDefs":[],"style":"normal"},{"_key":"07d44b96c045","_type":"block","children":[{"_key":"68275d843992","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"AJ Bell ISA review"},{"_key":"60fd2ca6f887","_type":"block","children":[{"_key":"c14eb4bbaa79","_type":"span","marks":[],"text":""},{"_key":"c6bfa4492df9","_type":"mainAnchor","pageAnchor":{"_ref":"ff57f94f-5ad4-4b79-b2cb-f15cbcbe2361","_type":"reference"}},{"_key":"b1ec2ff93b9e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0a038e9919ac","_type":"textboxWidget","text":[{"_key":"a010d6fe06ef","_type":"block","children":[{"_key":"685cef54682e","_type":"span","marks":[],"text":"AJ Bell offers a"},{"_key":"1cb564a200be","_type":"span","marks":["b6f6cf0a5b7a"],"text":" pension"},{"_key":"ef5ef9ff9830","_type":"span","marks":[],"text":" (SIPP), where you can invest up to £60,000 every tax year to put towards your retirement savings."}],"markDefs":[{"_key":"b6f6cf0a5b7a","_type":"internalLinkPick","reference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"}}],"style":"normal"},{"_key":"12f69781b62d","_type":"block","children":[{"_key":"5b94889bd9a10","_type":"span","marks":[],"text":"As with the Stocks & Shares ISA, AJ Bell SIPP users can select from a range of over 2,000 investments including funds, shares, investment trusts, ETFs, bonds and gilts."}],"markDefs":[],"style":"normal"},{"_key":"8e248983f1d7","_type":"block","children":[{"_key":"dafd88358cb30","_type":"span","marks":[],"text":"You can also opt to invest in AJ Bell’s exclusive Pension builder fund, designed to be a “steady, hands-off\" approach to investing for retirement. It’s powered by AJ Bell’s Balanced "},{"_key":"57e47a0408dc","_type":"span","marks":["d5400ff00d95"],"text":"ready-made portfolio "},{"_key":"d859d2810c27","_type":"span","marks":[],"text":"and is managed by an expert in-house investment team."}],"markDefs":[{"_key":"d5400ff00d95","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"6d712b5d177a","_type":"block","children":[{"_key":"69db63f3d80a0","_type":"span","marks":[],"text":"Finally, AJ Bell recently launched a new Ready-made pension option, where users can select from three AJ Bell ready-made portfolios catered to different risk appetites - Cautious, Balanced and Adventurous - for an all-inclusive annual charge of just 0.45%. There is also a responsible investing option which costs 0.60% per year."}],"markDefs":[],"style":"normal"},{"_key":"73edf291f6c1","_type":"block","children":[{"_key":"f4190ce69e570","_type":"span","marks":[],"text":"The minimum lump sum required to open an AJ Bell SIPP is £500 or a £25 monthly payment."}],"markDefs":[],"style":"normal"},{"_key":"8fb61a070dde","_type":"block","children":[{"_key":"e5d537d21b800","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"AJ Bell Pension review"},{"_key":"807bca70fe8f","_type":"block","children":[{"_key":"e6dfefbf5a04","_type":"span","marks":[],"text":""},{"_key":"ba322cfe8490","_type":"mainAnchor","pageAnchor":{"_ref":"64bb480b-2fe7-47e8-a7c8-2a42c44d19f8","_type":"reference"}},{"_key":"d15e937e16ec","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"83a27e2f4253","_type":"textboxWidget","text":[{"_key":"2abb05ce8a0a","_type":"block","children":[{"_key":"51c809f663e0","_type":"span","marks":[],"text":"AJ Bell offers a Stocks & Shares "},{"_key":"29ace796d305","_type":"span","marks":["ff8faeee6b84"],"text":"Lifetime ISA"},{"_key":"9015e02533b8","_type":"span","marks":[],"text":", where you can invest up to £4,000 every tax year and benefit from a 25% government top-up. That means for every £4,000 you put in, the government automatically gives you an extra £1,000."}],"markDefs":[{"_key":"ff8faeee6b84","_type":"internalLinkPick","reference":{"_ref":"f87e514a-5bd1-4a7c-95cd-f1676e520028","_type":"reference"}}],"style":"normal"},{"_key":"fdd8288f8b64","_type":"block","children":[{"_key":"17cdddf0c80d","_type":"span","marks":[],"text":"As with all LISAs, there are limitations on how you can withdraw your savings – it must either be to buy your first home or to save for your retirement. Make sure to read our full "},{"_key":"cf41eb7c267d","_type":"span","marks":["7110f398ee27"],"text":"LISA guide"},{"_key":"bf1c0947307a","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"7110f398ee27","_type":"internalLinkPick","reference":{"_ref":"f87e514a-5bd1-4a7c-95cd-f1676e520028","_type":"reference"}}],"style":"normal"},{"_key":"eae9cbbf3709","_type":"block","children":[{"_key":"817c9147058d0","_type":"span","marks":[],"text":"Like AJ Bell’s Stocks & Shares ISA, the LISA enables you to invest in a range of investments, such as over 4,000 funds, shares, investment trusts, ETFs, and bonds. There are similarly no charges to set up your account or pay in and there’s no inactivity fee."}],"markDefs":[],"style":"normal"},{"_key":"f3056ebc5c00","_type":"block","children":[{"_key":"6e66dbda229e0","_type":"span","marks":[],"text":"AJ Bell’s LISAs are a great option for more avid investors who want to stock pick or add specific funds to boost the size of their house deposits. You can always also pick one of AJ Bell’s ready-made options if you want low-cost access to the market but aren’t comfortable making too many selection decisions."}],"markDefs":[],"style":"normal"},{"_key":"a8597ceafbe2","_type":"block","children":[{"_key":"79b1bcabc7f80","_type":"span","marks":[],"text":"The £1.50 fund charge every time you buy an investment will annoy those who are cost-conscious and adding to their LISA month-by-month. This fee is waived for AJ Bell’s own-brand funds, which you can invest into for free."}],"markDefs":[],"style":"normal"},{"_key":"e341580033cf","_type":"block","children":[{"_key":"da2561f359fd0","_type":"span","marks":[],"text":"LISA investors need to pay particular attention to their liquidity needs – it is not a sensible idea to invest in volatile equity markets when you want to withdraw your money for a house purchase within the next few years. While you could make a good return, you could also lose a lot of money and have to cancel or delay your purchase plans; so make sure you think it through. You may be better off picking lower-risk funds or holding your money in cash, especially if you want to buy in the near future."}],"markDefs":[],"style":"normal"},{"_key":"736b40f39090","_type":"block","children":[{"_key":"d80cd6a731a60","_type":"span","marks":[],"text":"You can set up an AJ Bell LISA with a £250 lump sum payment, or a £25 monthly regular contribution. All LISA customers also get access to AJ Bell’s exclusive Shares digital magazine."}],"markDefs":[],"style":"normal"},{"_key":"167746efb67f","_type":"block","children":[{"_key":"92ee63bd2449","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"62ddcf495d15","_type":"block","children":[{"_key":"d78980d9c198","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"AJ Bell LISA review"},{"_key":"93a8d14ababe","_type":"block","children":[{"_key":"1f6a6d9f0a3c","_type":"span","marks":[],"text":""},{"_key":"0ccc5d512664","_type":"mainAnchor","pageAnchor":{"_ref":"ee27d09d-a3cd-4792-9e2a-c3c517b2e0b2","_type":"reference"}},{"_key":"45aeb0a86681","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1fde34ca2abb","_type":"textboxWidget","text":[{"_key":"39d0b591ba1b","_type":"block","children":[{"_key":"614b2ac26a8d","_type":"span","marks":[],"text":"AJ Bell has a "},{"_key":"f4137cbee9bb","_type":"span","marks":["1ea80123d681"],"text":"Stocks & Shares Junior ISA"},{"_key":"54d4dad2cf29","_type":"span","marks":[],"text":", where you can invest up to £9,000 every tax year on behalf of your children or grandchildren."}],"markDefs":[{"_key":"1ea80123d681","_type":"internalLinkPick","reference":{"_ref":"d5b77d3e-daa0-4a42-ba55-c68b5fce8fff","_type":"reference"}}],"style":"normal"},{"_key":"9e3af6dd6267","_type":"block","children":[{"_key":"c35c218383e50","_type":"span","marks":[],"text":"Like AJ Bell’s Stocks & Shares ISA, the LISA enables you to invest in a range of investments, such as over 4,000 funds, shares, investment trusts, ETFs, and bonds. There are no charges to set up your account and there’s no inactivity fee."}],"markDefs":[],"style":"normal"},{"_key":"e6b0b83b033f","_type":"block","children":[{"_key":"27ac53b918fa0","_type":"span","marks":[],"text":"You can set up an AJ Bell JISA with just a £250 initial lump sum or start with £25 monthly regular investing instalments for a discount on dealing charges."}],"markDefs":[],"style":"normal"}],"title":"AJ Bell JISA review"},{"_key":"6f1d1b2c31d3","_type":"block","children":[{"_key":"9b011f5b7d38","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"75a22685533f","_type":"block","children":[{"_key":"0a12567e344a","_type":"span","marks":[],"text":""},{"_key":"3d20deccc33e","_type":"mainAnchor","pageAnchor":{"_ref":"4e980c11-5605-4480-b5cf-9ef6d1970af0","_type":"reference"}},{"_key":"c2f59f19ba7f","_type":"span","marks":[],"text":"Fees and charges"}],"markDefs":[],"style":"h2"},{"_key":"11b8dc8a01ef","_type":"block","children":[{"_key":"f5057cde4ccf0","_type":"span","marks":[],"text":"When investing in stocks or funds, you'll typically encounter two main types of charges. Account charges are like a membership fee for having your investment account - they can either be a fixed one-off payment (like £100 when you open the account), a regular fee (usually annual or monthly), or calculated as a percentage of your total investment (say 0.5% per year of whatever amount you have invested). These fees apply regardless of whether you buy or sell anything. On the other hand, dealing charges are more like transaction fees - they're the costs you pay each time you actually buy or sell an investment, similar to how a shop might charge you for using a credit card. "}],"markDefs":[],"style":"normal"},{"_key":"508c7d9f6854","_type":"textboxWidget","text":[{"_key":"c7ad5cd4e39c","_type":"block","children":[{"_key":"0a8fa7010236","_type":"span","marks":[],"text":"For example, you might pay an annual account fee of £40 or 0.3% of your investment to keep your account open, but then also pay £10 in dealing charges each time you buy or sell shares."}],"markDefs":[],"style":"normal"}],"title":"Example of fees and charges"},{"_key":"417dcde9277c","_type":"block","children":[{"_key":"4818d36394c0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d24cf41a6115","_type":"block","children":[{"_key":"2f734096aeb00","_type":"span","marks":[],"text":"The cost of investing with AJ Bell depends on what types of investments you purchase, how much you invest, and how frequently you trade. The table below illustrates the different charges."}],"markDefs":[],"style":"normal"},{"_key":"b73187b00105","_type":"tableControl","rows":[{"_key":"d553eb7e8b7d","_type":"row","cells":[{"_key":"8ba431a4e375","_type":"cell","tableStyle":"DB","value":[{"_key":"12e32c758c6a","_type":"block","children":[{"_key":"7eab988812e90","_type":"span","marks":["strong"],"text":"Fee type"}],"markDefs":[],"style":"normal"}]},{"_key":"56c70b5820d8","_type":"cell","tableStyle":"DB","value":[{"_key":"939f7cd18676","_type":"block","children":[{"_key":"95d071caa17f0","_type":"span","marks":["strong"],"text":"What is it?"}],"markDefs":[],"style":"normal"}]},{"_key":"52494242a1a4","_type":"cell","tableStyle":"DB","value":[{"_key":"4ecf94896c94","_type":"block","children":[{"_key":"351ed2ce80260","_type":"span","marks":["strong"],"text":"Annual Amount"}],"markDefs":[],"style":"normal"}]}]},{"_key":"b52c4264359e","_type":"row","cells":[{"_key":"e212a9c78685","_type":"cell","tableStyle":"W","value":[{"_key":"042e6c1468ac","_type":"block","children":[{"_key":"830bd396908b0","_type":"span","marks":["strong"],"text":"Funds account charge"}],"markDefs":[],"style":"normal"}]},{"_key":"60afa26d9702","_type":"cell","tableStyle":"W","value":[{"_key":"a4b46f29f191","_type":"block","children":[{"_key":"13613be31a1c0","_type":"span","marks":[],"text":"The cost of holding funds"}],"markDefs":[],"style":"normal"}]},{"_key":"5f50d546601f","_type":"cell","tableStyle":"W","value":[{"_key":"a2101d523c77","_type":"block","children":[{"_key":"3fd9eb70919a0","_type":"span","marks":[],"text":"0.25% *"}],"markDefs":[],"style":"normal"}]}]},{"_key":"e0d3fbbb49e11ed5cbe0a40d55937931","_type":"row","cells":[{"_key":"e212a9c78685","_type":"cell","tableStyle":"W","value":[{"_key":"948422f61302","_type":"block","children":[{"_key":"024d00e3c6510","_type":"span","marks":["strong"],"text":"Shares account charge"}],"markDefs":[],"style":"normal"}]},{"_key":"60afa26d9702","_type":"cell","tableStyle":"W","value":[{"_key":"73c0a3d4592b","_type":"block","children":[{"_key":"04be7b6876690","_type":"span","marks":[],"text":"The cost of holding shares, ETFs and investment trusts"}],"markDefs":[],"style":"normal"}]},{"_key":"5f50d546601f","_type":"cell","tableStyle":"W","value":[{"_key":"93805d321209","_type":"block","children":[{"_key":"05f22bada1080","_type":"span","marks":[],"text":"0.25% **"}],"markDefs":[],"style":"normal"},{"_key":"ab47f851d66b","_type":"block","children":[{"_key":"8b9d193468b7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"AJ Bell Account Charges"},{"_key":"227d1fa2d802","_type":"block","children":[{"_key":"51969941214a0","_type":"span","marks":["em"],"text":"* Fund account charges will be discounted to 10% for portfolios valued between £250,000 and £500,000. The charges will be waived completely for portfolios over £500,000."}],"markDefs":[],"style":"small"},{"_key":"9d5b1d02bbbf","_type":"block","children":[{"_key":"7c7d2fccdb4c","_type":"span","marks":["em"],"text":"**Shares account charges are capped at £2.50 per month for JISAs, £3.50 per month for ISAs and LISAs, and £10 per month for SIPPs."}],"markDefs":[],"style":"small"},{"_key":"2f5ea585e531","_type":"tableControl","rows":[{"_key":"d553eb7e8b7d","_type":"row","cells":[{"_key":"8ba431a4e375","_type":"cell","tableStyle":"DB","value":[{"_key":"12e32c758c6a","_type":"block","children":[{"_key":"7eab988812e90","_type":"span","marks":["strong"],"text":"Fee type"}],"markDefs":[],"style":"normal"}]},{"_key":"56c70b5820d8","_type":"cell","tableStyle":"DB","value":[{"_key":"939f7cd18676","_type":"block","children":[{"_key":"95d071caa17f0","_type":"span","marks":["strong"],"text":"What is it?"}],"markDefs":[],"style":"normal"}]},{"_key":"52494242a1a4","_type":"cell","tableStyle":"DB","value":[{"_key":"4ecf94896c94","_type":"block","children":[{"_key":"351ed2ce80260","_type":"span","marks":["strong"],"text":"Annual Amount"}],"markDefs":[],"style":"normal"}]}]},{"_key":"1246612ffab1244745df1b4f7ca8a5df","_type":"row","cells":[{"_key":"e212a9c78685","_type":"cell","tableStyle":"W","value":[{"_key":"047793fdf987","_type":"block","children":[{"_key":"caaf9a21e8600","_type":"span","marks":["strong"],"text":"Fund dealing charge"}],"markDefs":[],"style":"normal"}]},{"_key":"60afa26d9702","_type":"cell","tableStyle":"W","value":[{"_key":"abf49a70b0c8","_type":"block","children":[{"_key":"3ed5bf5e82d80","_type":"span","marks":[],"text":"The charge each time you buy or sell funds"}],"markDefs":[],"style":"normal"}]},{"_key":"5f50d546601f","_type":"cell","tableStyle":"W","value":[{"_key":"fb3b63d9a418","_type":"block","children":[{"_key":"d7196a042c5a0","_type":"span","marks":[],"text":"£1.50*"}],"markDefs":[],"style":"normal"}]}]},{"_key":"0614f62c115e865ee5be3527e147d59e","_type":"row","cells":[{"_key":"e212a9c78685","_type":"cell","tableStyle":"W","value":[{"_key":"44fc9a565390","_type":"block","children":[{"_key":"874eada893450","_type":"span","marks":["strong"],"text":"Shares dealing charge"}],"markDefs":[],"style":"normal"}]},{"_key":"60afa26d9702","_type":"cell","tableStyle":"W","value":[{"_key":"db5fd28ff4a3","_type":"block","children":[{"_key":"be513c27a88d0","_type":"span","marks":[],"text":"The charge each time you buy or sell shares"}],"markDefs":[],"style":"normal"}]},{"_key":"5f50d546601f","_type":"cell","tableStyle":"W","value":[{"_key":"6f62b1a13b86","_type":"block","children":[{"_key":"3000ee7693300","_type":"span","marks":[],"text":"£5.00**"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"AJ Bell Dealing Charges"},{"_key":"1d08cc6c1186","_type":"block","children":[{"_key":"f45cfae49272","_type":"span","marks":["em"],"text":"*There are no dealing charges when buying AJ Bell Funds."}],"markDefs":[],"style":"normal"},{"_key":"0db0fca84ca4","_type":"block","children":[{"_key":"6fdb3ab90df00","_type":"span","marks":["em"],"text":"**A lower ‘frequent’ shares dealing charge of £3.50 applies when you have completed 10 or more share deals in the previous month."}],"markDefs":[],"style":"normal"},{"_key":"ff22a4f1a98c","_type":"block","children":[{"_key":"1c9da49edf750","_type":"span","marks":[],"text":"Other Charges"}],"markDefs":[],"style":"h3"},{"_key":"8740f42b3a48","_type":"block","children":[{"_key":"1534698dd15a0","_type":"span","marks":[],"text":"Additional charges may apply when trading, such as foreign exchange (FX) fees for international investments, applied on a sliding scale: 0.75% for the first £10,000, and 0.25% for amounts over £20,000."}],"markDefs":[],"style":"normal"},{"_key":"505075ac2d49","_type":"block","children":[{"_key":"6df9160b20f0","_type":"span","marks":[],"text":"You can review all of AJ Bells fees and charges "},{"_key":"4e1e679ccc3a","_type":"span","marks":["68aeb553fc8c"],"text":"here"},{"_key":"b776f6aec8b6","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"68aeb553fc8c","_type":"internalLinkPick","blank":true,"reference":{"_ref":"c7ba7f18-3e10-4b97-9360-258096459cd8","_type":"reference"}}],"style":"normal"},{"_key":"5d426181d1d1","_type":"block","children":[{"_key":"1c8836035a66","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f5a312cf6fd1","_type":"calcBlock","dashboardId":"22120EF3-6F72-4AF4-9DB1-1B4593236051","defaultWrapper":"ISA","introPara":{"_ref":"2b148783-9a10-400d-abc8-d48e9be3a0e2","_type":"reference"},"title":"See how much it would cost you","wrapperOptions":["ISA","PENSION","LISA","JISA"],"wrapperText":{"_ref":"3c588c87-09c8-4743-94a5-23af89c4063e","_type":"reference"}},{"_key":"08ec50a4e388","_type":"block","children":[{"_key":"dc18e408f3d2","_type":"span","marks":[],"text":""},{"_key":"ef8ab9548d92","_type":"mainAnchor","pageAnchor":{"_ref":"9a9a5fd8-03e4-41c0-8bb9-96205fa99fa0","_type":"reference"}},{"_key":"ff98d9b7da5a","_type":"span","marks":[],"text":"Customer reviews"}],"markDefs":[],"style":"h2"},{"_key":"a78953867f75","_type":"block","children":[{"_key":"908ecd74c98b0","_type":"span","marks":[],"text":"AJ Bell customers say it’s “easy to use” with a “wide range of investments” to choose from and “competitive” fees. Many have also stated that AJ Bell’s customer service is particularly good and they are “always in communication”. However, some negative feedback includes “too many security hoops” to jump through and the charges could be cheaper compared to alternatives on the market."}],"markDefs":[],"style":"normal"},{"_key":"59feac566b8e","_type":"yourRatingWidget","company":{"_ref":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"reference"}},{"LeftSideText":[{"_key":"0e8c7a6252ee","_type":"block","children":[{"_key":"d7164d601693","_type":"span","marks":["strong"],"text":"Your opinion matters!"}],"markDefs":[],"style":"normal"},{"_key":"be46cc9ca648","_type":"block","children":[{"_key":"10d0588b2004","_type":"span","marks":[],"text":"Leave a review for AJ Bell"}],"markDefs":[],"style":"normal"}],"_key":"566fd35c5f23","_type":"companyReviewWidget","buttonText":"RATE PROVIDER","company":{"_ref":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"reference"}},{"_key":"efbaf7f8f156","_type":"block","children":[{"_key":"66a3d0a3e292","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1d98c1a3bc1c","_type":"providerReviewsWidget","company":{"_ref":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"reference"},"companyReviewPageReference":{"_ref":"0850b85d-b5a7-43b9-991b-4e5560174d0a","_type":"reference"}},{"_key":"7498bcc3806e","_type":"block","children":[{"_key":"e2566c4caa3a","_type":"span","marks":[],"text":""},{"_key":"e5b8e9a424b2","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"8b3c8c29b7b6","_type":"span","marks":["strong"],"text":"Most asked questions"}],"markDefs":[],"style":"h2"},{"_key":"edc12ea1c269","_type":"block","children":[{"_key":"ef9b238a2ab3","_type":"span","marks":[],"text":""},{"_key":"c4cd0ea496e2","_type":"mainAnchor","pageAnchor":{"_ref":"d1046785-69e9-496b-ad81-606ac5827160","_type":"reference"}},{"_key":"5a4d087fea8c","_type":"span","marks":[],"text":" "},{"_key":"3e755b8264cd","_type":"span","marks":["strong"],"text":"Is AJ Bell safe?"}],"markDefs":[],"style":"h3"},{"_key":"e3b31dff85b6","_type":"block","children":[{"_key":"d5e4f73d050c","_type":"span","marks":[],"text":"AJ Bell Youinvest is listed on the FTSE 250 and is authorised and regulated by the Financial Conduct Authority (FCA). If a fund fails due to fraud or mismanagement, you may be eligible for compensation from the "},{"_key":"99c08bdf5c00","_type":"span","marks":["fd93d3fc8d0a"],"text":"Financial Services Compensation Scheme (FSCS)"},{"_key":"6e360df22cb4","_type":"span","marks":[],"text":". The FSCS protection is capped at £85,000 per person, per fund manager (not per individual fund). However, if your investments lose value due to normal market conditions or your investment choices, this is part of the normal risk of investing and is not covered by FSCS compensation."}],"markDefs":[{"_key":"fd93d3fc8d0a","_type":"internalLinkPick","blank":true,"reference":{"_ref":"34722af1-872b-441c-a563-4d2293999c94","_type":"reference"}}],"style":"normal"},{"_key":"bab97c1029b9","_type":"block","children":[{"_key":"dca75f5c4570","_type":"span","marks":[],"text":""},{"_key":"2012a09533c3","_type":"mainAnchor","pageAnchor":{"_ref":"2a73217e-191b-415b-b2d0-e41ac8f522f0","_type":"reference"}},{"_key":"bc5f24e4bbd2","_type":"span","marks":["strong"],"text":"Is AJ Bell’s ISA flexible?"}],"markDefs":[],"style":"h3"},{"_key":"abe3020c0bd3","_type":"block","children":[{"_key":"faf6295e036b0","_type":"span","marks":[],"text":"AJ Bell’s Stocks & Shares ISA is not flexible. This means that once you withdraw your money, you can’t put it back in again without affecting your annual allowance (currently £20,000)."}],"markDefs":[],"style":"normal"},{"_key":"6fb5f9f4500b","_type":"block","children":[{"_key":"263820b284b90","_type":"span","marks":[],"text":"For example, let’s say you put £10,000 into your AJ Bell Stocks & Shares ISA during the current tax year and then withdraw £2,000. If you then went to pay this £2,000 "},{"_key":"263820b284b91","_type":"span","marks":["em"],"text":"back in"},{"_key":"263820b284b92","_type":"span","marks":[],"text":" during the same tax year, it would count as an"},{"_key":"263820b284b93","_type":"span","marks":["em"],"text":" additional"},{"_key":"263820b284b94","_type":"span","marks":[],"text":" £2,000 – taking your total contributions for the year up to £12,000 (and thus closer to the £20,000 allowance)."}],"markDefs":[],"style":"normal"},{"_key":"15cc7d0bf604","_type":"block","children":[{"_key":"cf57144bf6430","_type":"span","marks":[],"text":"On the other hand, a flexible ISA would enable you to withdraw funds and pay them back in without affecting your allowance."}],"markDefs":[],"style":"normal"},{"_key":"b8d25381a066","_type":"block","children":[{"_key":"072a4dcf850d","_type":"span","marks":[],"text":""},{"_key":"491adf7bda54","_type":"mainAnchor","pageAnchor":{"_ref":"d03cc619-c9e7-4fb3-875a-23822616f0a5","_type":"reference"}},{"_key":"406f686f8b8b0","_type":"span","marks":["strong"],"text":"How to withdraw money from AJ Bell"}],"markDefs":[],"style":"h3"},{"_key":"fb4e2ec2fe19","_type":"block","children":[{"_key":"5888355bedee0","_type":"span","marks":[],"text":"It’s a straightforward process to withdraw money from AJ Bell - you can withdraw cash from your Stocks & Shares ISA on the website. Simply log into your online account, select which account you want to withdraw cash from and select 'Withdrawals' from the account menu."}],"markDefs":[],"style":"normal"},{"_key":"583fa1a91d05","_type":"block","children":[{"_key":"f1531685e17d0","_type":"span","marks":[],"text":"For security purposes, you’ll be asked a series of authentication checks every time you withdraw from an AJ Bell account. From there it should take between one to three working days for the money to arrive in your linked bank account."}],"markDefs":[],"style":"normal"},{"_key":"653780d5508e","_type":"block","children":[{"_key":"923b9508a7c90","_type":"span","marks":[],"text":"Cash cannot be withdrawn from a JISA until your child turns 18. You can withdraw cash from a LISA at any time, however doing so for purposes other than to purchase your first property or save for retirement will incur a 25% penalty charge (effectively wiping out the government top-ups). You can only withdraw cash from a SIPP once you are aged 55 or older, whether or not you are still working."}],"markDefs":[],"style":"normal"},{"_key":"005f6aa9bac5","_type":"block","children":[{"_key":"02bf7b202edc","_type":"span","marks":[],"text":""},{"_key":"caeb70f344a9","_type":"mainAnchor","pageAnchor":{"_ref":"0e8ff136-c0de-47ea-b0d1-b535464d80a4","_type":"reference"}},{"_key":"fdc1384b71940","_type":"span","marks":["strong"],"text":"Does AJ Bell have inactivity fees?"}],"markDefs":[],"style":"h3"},{"_key":"e5ea72b352e6","_type":"block","children":[{"_key":"a4691feec6320","_type":"span","marks":[],"text":"There are no inactivity fees on any AJ Bell accounts."}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"8a0660cdc0c8","_type":"block","children":[{"_key":"21f8e881e929","_type":"span","marks":["strong"],"text":"Visit the AJ Bell website for more information"}],"markDefs":[],"style":"normal"}],"_key":"5e3be7b56080","_type":"ctaWidget","openNewTab":true,"partner":true,"reference":{"_ref":"5a480dd3-c7ab-4c8b-984a-3de0046c41e8","_type":"reference"},"text":"VISIT SITE "},{"_key":"950ebdd8e0c3","_type":"block","children":[{"_key":"24f8038ad740","_type":"span","marks":[],"text":""},{"_key":"49d812ed8a38","_type":"mainAnchor","pageAnchor":{"_ref":"08f91d37-f8e6-4d45-bf2f-c8d9fb950e62","_type":"reference"}},{"_key":"6b0ae7c1e7a0","_type":"span","marks":[],"text":"Glossary"}],"markDefs":[],"style":"h2"},{"LeftSideText":[{"_key":"fee6100bb3ec","_type":"block","children":[{"_key":"e8efc3d7ce4a","_type":"span","marks":["strong"],"text":"Not 100% sure you understand something we’ve written in this review? "}],"markDefs":[],"style":"normal"},{"_key":"9acb1a0520ad","_type":"block","children":[{"_key":"1b19a24ae829","_type":"span","marks":[],"text":"Discover jargon-free definitions of the most common words and technical terms used in the world of investing."}],"markDefs":[],"style":"normal"}],"_key":"e39a2e3430b4","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"5d7b7a10-93b8-4e8e-b898-eeb81f7bb976","_type":"reference"},"text":"CLICK HERE"},{"_key":"52867c3025a6","_type":"prosConsWidget"},{"_key":"eb014e175dce","_type":"block","children":[{"_key":"e8d83c59520c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3ce205101f11","_type":"textboxWidget","text":[{"_key":"5897c9c5c6d6","_type":"block","children":[{"_key":"e44f5c9ca72f","_type":"span","marks":[],"text":"Historically, money invested for more than five years grows more than cash savings. Remember that investments can also fall, so you might not get all of your money back. Tax treatment depends on individual circumstances and may change."}],"markDefs":[],"style":"normal"}],"title":"Information: "},{"_key":"f716293b728e","_type":"block","children":[{"_key":"2d19c3977e21","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"brazeCustomAttributes":[{"_key":"8814180d635e","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_ProviderPage","customAttributeValue":"https://www.boringmoney.co.uk/isas-pensions/aj-bell-youinvest/"}],"categories":[{"_key":"a07e2727acd2","_ref":"2845ba64-de47-4336-abc9-216ccbb41a52","_type":"reference"}],"company":{"_ref":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"reference"},"emailSignupWidgetButtonText":"READ FULL REVIEW","emailSignupWidgetImage":{"_type":"mainImage","alt":"Gated content"},"emailSignupWidgetParagraphText":"Boring Money conducts rigorous, year-round testing on AJ Bell using our live account. Get total access to our research-backed views, information on costs, charges and more.\n✓ Interactive cost calculator\n✓ Expert platform testing results\n✓ User experience deep-dive\n✓ Advanced features analysis","enableGatedContent":false,"excerpt":[{"_key":"66a8e1a80612","_type":"block","children":[{"_key":"1758bb08469c0","_type":"span","marks":[],"text":"In-depth review of AJ Bell YouInvest. Compare fees, investment options, and platform features to decide if it's right for you: Independent analysis and real user insights."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"956b7f7ac773","_type":"providerHeaderWidget","company":{"_ref":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"reference"}},{"_key":"888c82c158ea","_type":"ourRatingWidget","company":{"_ref":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"reference"}},{"_key":"4b6552deb314","_type":"block","children":[{"_key":"06e5ff1c4fec0","_type":"span","marks":[],"text":"In-depth independent review of AJ Bell YouInvest. Compare fees, investment options, and platform features to decide if it's right for you. Independent analysis and real user insights."}],"markDefs":[],"style":"normal"},{"_key":"64e58d536ce9","_type":"block","children":[{"_key":"19b00a57e8e90","_type":"span","marks":[],"text":"Quick Facts"}],"markDefs":[],"style":"h3"},{"_key":"21a155d3e6c8","_type":"textboxWidget","text":[{"_key":"66dc67d5fbc5","_type":"block","children":[{"_key":"62dfba1cc24e","_type":"span","marks":[],"text":"Platform Type: DIY Investment Platform "}],"markDefs":[],"style":"normal"},{"_key":"250514500e38","_type":"block","children":[{"_key":"025d119eca97","_type":"span","marks":[],"text":"Minimum Investment: £25/month or £500 lump sum "}],"markDefs":[],"style":"normal"},{"_key":"754e0259371a","_type":"block","children":[{"_key":"8f713ffb3aa4","_type":"span","marks":[],"text":"ISA Available: Yes "}],"markDefs":[],"style":"normal"},{"_key":"7c1a7a6f1bae","_type":"block","children":[{"_key":"464eda39bd85","_type":"span","marks":[],"text":"SIPP Available: Yes "}],"markDefs":[],"style":"normal"},{"_key":"9dee940d9e2a","_type":"block","children":[{"_key":"f63a41f70b67","_type":"span","marks":[],"text":"Share Trading: Yes "}],"markDefs":[],"style":"normal"},{"_key":"bfbac7ee517c","_type":"block","children":[{"_key":"6247532721c4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"9a7c6fa912f1","_type":"block","children":[{"_key":"10f2ec9c9adb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4fce612eb771","_type":"block","children":[{"_key":"2abcf66df0470","_type":"span","marks":[],"text":"AJ Bell YouInvest handles over £65.2 billion in assets for its customers, making it one of the UK's largest investment platforms. But size doesn't always equal value – especially when typical investors could save money by choosing the right platform for their specific needs."}],"markDefs":[],"style":"normal"},{"_key":"a95ab0787fd7","_type":"block","children":[{"_key":"61379a0489ad0","_type":"span","marks":[],"text":"Our analysis shows AJ Bell YouInvest particularly stands out for:"}],"markDefs":[],"style":"normal"},{"_key":"f1dbf4fba898","_type":"block","children":[{"_key":"f8e67b85338c0","_type":"span","marks":[],"text":"Competitive fees "}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c446ad78c340","_type":"block","children":[{"_key":"fb5485637da70","_type":"span","marks":[],"text":"Extensive investment range including shares, funds, and ETFs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c8831b17ce40","_type":"block","children":[{"_key":"ebbefe71d0610","_type":"span","marks":[],"text":"Research tools and regular market insights"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"44728e734c69","_type":"block","children":[{"_key":"bc599fc105b00","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"hideTitle":false,"linkMenu":[{"_key":"0b3dfb6fe5e8","_ref":"54579584-9466-45f9-b79a-1946b44d7f0d","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":"aj bell","asset":{"_ref":"image-ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080-jpg","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"8f5ab9fb-224b-4f57-ba6c-6518bb4164ec","_type":"reference"},"publishedAt":"2025-01-01T09:23:00.000Z","slug":{"_type":"slug","current":"aj-bell-youinvest"},"subfolder":{"_ref":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"reference"},"subtitle":"Independent review by Boring Money","template":"C-SB","textNextToKey":"Sign up for free to read more!","title":"Is AJ Bell good for investing?","widgets":[{"_key":"02b4d2146166","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"},{"_key":"b4cfa7b8d1ed","_ref":"3fefd2ec-9177-427c-9149-529cd1417d24","_type":"reference"}],"id":"-90e537c1-1c19-591a-913b-da530c91d620","children":[],"parent":null},"showBBTable":true,"wouldRecommendRating":87.84,"yourRating":"8","id":"-bd819082-deff-5ec0-8103-7d9917a63743","children":[],"parent":null},"emailSignupWidgetButtonText":"READ FULL REVIEW","emailSignupWidgetImage":{"_type":"mainImage","alt":"Gated content"},"emailSignupWidgetParagraphText":"Boring Money conducts rigorous, year-round testing on AJ Bell using our live account. Get total access to our research-backed views, information on costs, charges and more.\n✓ Interactive cost calculator\n✓ Expert platform testing results\n✓ User experience deep-dive\n✓ Advanced features analysis","enableGatedContent":false,"excerpt":[{"_key":"66a8e1a80612","_type":"block","children":[{"_key":"1758bb08469c0","_type":"span","marks":[],"text":"In-depth review of AJ Bell YouInvest. Compare fees, investment options, and platform features to decide if it's right for you: Independent analysis and real user insights."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"956b7f7ac773","_type":"providerHeaderWidget","company":{"_id":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4Tz","_createdAt":"2021-09-22T15:39:35Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","rev":"YjNvQx4tqfWKwO39EgsuHM"}},"bestBuyAward":{"_ref":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"reference"},"bestBuyAwardVisible":{"_ref":"b0e152d6-2c69-4b10-8fba-28572e0ec00f","_type":"reference"},"bestBuyType":"ISA","companyBBCats":["DIY","BIGBRAND"],"companyDisplayName":"AJ Bell ","companyLogo":{"_type":"mainImage","alt":"AJ Bell","asset":{"_ref":"image-ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080-jpg","_type":"reference"}},"companyName":"ISA AJ Bell ","comparisonCriteria":[{"_key":"5b3b66167a58","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"625d03981542","_type":"block","children":[{"_key":"925c3f750328","_type":"span","marks":[],"text":"AJ Bell Youinvest is a low-cost option for people who are comfortable with investing. There are loads of investment options – including individual shares and funds."}],"markDefs":[],"style":"normal"}]},{"_key":"cf69445630dc","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"835d385ebf4e","_type":"block","children":[{"_key":"694229e5ce4d","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"3dfd64229d89","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"10139c683a66","_type":"block","children":[{"_key":"144d309be63a","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"e48fae2e551a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"c14096adcb85","_type":"block","children":[{"_key":"52497a298a11","_type":"span","marks":[],"text":"Funds: 0.25%"}],"markDefs":[],"style":"normal"},{"_key":"22c2c4527516","_type":"block","children":[{"_key":"9f269d0c58f1","_type":"span","marks":[],"text":"Shares: 0.25% (maximum £3.50 per month)"}],"markDefs":[],"style":"normal"}]},{"_key":"2f9d81a493c3","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"020ebd6985a5","_type":"block","children":[{"_key":"36e6ef610196","_type":"span","marks":[],"text":"Funds: £1.50"}],"markDefs":[],"style":"normal"},{"_key":"5a832c25a673","_type":"block","children":[{"_key":"924915d1fb92","_type":"span","marks":[],"text":"Shares: £9.95 (where there were 10 or more deals in the previous month: £4.95)"}],"markDefs":[],"style":"normal"}]},{"_key":"958c2e4fb84f","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"00ceae9988aa","_type":"block","children":[{"_key":"98cfce9054c1","_type":"span","marks":[],"text":"1% (for the first £10k)"}],"markDefs":[],"style":"normal"},{"_key":"cf57942305b8","_type":"block","children":[{"_key":"1ec042ad50d0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"3c34be707ddc","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"f9be8b1879bd","_type":"block","children":[{"_key":"8a39ff7d970f","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"90bec717d421","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"468b1367d41a","_type":"block","children":[{"_key":"de1e2405d65c","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"97a68de34db5","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"454d5721f9b5","_type":"block","children":[{"_key":"2cf9eb6f123b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"0ac9398006bb","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"2c771a0586be","_type":"block","children":[{"_key":"a5b40fb5ba7a","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"1206fede535a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"10c3b0e42e84","_type":"block","children":[{"_key":"66e8a836fee6","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"b5874d07c16c","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"758cdedbc8ad","_type":"block","children":[{"_key":"253bdf76e1ea","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"12bbfe1f847b","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"713ce4f4504a","_type":"block","children":[{"_key":"6d149843cc60","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"a8e74482753e","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"0e5d65f16c1a","_type":"block","children":[{"_key":"0e670213f7b1","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"22120EF3-6F72-4AF4-9DB1-1B4593236051","inANutshell":["Low cost","May be complex for beginners","Good investment ideas and content"],"mostPopularRank":1,"noOfReviews":"1713","ourRating":"9","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"5a480dd3-c7ab-4c8b-984a-3de0046c41e8","_type":"reference"},"reviewReference":{"_ref":"1dbcb796-5201-4542-a5fd-e9d2d02257e5","_type":"reference"},"showBBTable":true,"wouldRecommendRating":87.84,"yourRating":"8","id":"-bd819082-deff-5ec0-8103-7d9917a63743","children":[],"parent":null}},{"_key":"888c82c158ea","_type":"ourRatingWidget","company":{"_id":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4Tz","_createdAt":"2021-09-22T15:39:35Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","rev":"YjNvQx4tqfWKwO39EgsuHM"}},"bestBuyAward":{"_ref":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"reference"},"bestBuyAwardVisible":{"_ref":"b0e152d6-2c69-4b10-8fba-28572e0ec00f","_type":"reference"},"bestBuyType":"ISA","companyBBCats":["DIY","BIGBRAND"],"companyDisplayName":"AJ Bell ","companyLogo":{"_type":"mainImage","alt":"AJ Bell","asset":{"_ref":"image-ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080-jpg","_type":"reference"}},"companyName":"ISA AJ Bell ","comparisonCriteria":[{"_key":"5b3b66167a58","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"625d03981542","_type":"block","children":[{"_key":"925c3f750328","_type":"span","marks":[],"text":"AJ Bell Youinvest is a low-cost option for people who are comfortable with investing. There are loads of investment options – including individual shares and funds."}],"markDefs":[],"style":"normal"}]},{"_key":"cf69445630dc","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"835d385ebf4e","_type":"block","children":[{"_key":"694229e5ce4d","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"3dfd64229d89","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"10139c683a66","_type":"block","children":[{"_key":"144d309be63a","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"e48fae2e551a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"c14096adcb85","_type":"block","children":[{"_key":"52497a298a11","_type":"span","marks":[],"text":"Funds: 0.25%"}],"markDefs":[],"style":"normal"},{"_key":"22c2c4527516","_type":"block","children":[{"_key":"9f269d0c58f1","_type":"span","marks":[],"text":"Shares: 0.25% (maximum £3.50 per month)"}],"markDefs":[],"style":"normal"}]},{"_key":"2f9d81a493c3","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"020ebd6985a5","_type":"block","children":[{"_key":"36e6ef610196","_type":"span","marks":[],"text":"Funds: £1.50"}],"markDefs":[],"style":"normal"},{"_key":"5a832c25a673","_type":"block","children":[{"_key":"924915d1fb92","_type":"span","marks":[],"text":"Shares: £9.95 (where there were 10 or more deals in the previous month: £4.95)"}],"markDefs":[],"style":"normal"}]},{"_key":"958c2e4fb84f","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"00ceae9988aa","_type":"block","children":[{"_key":"98cfce9054c1","_type":"span","marks":[],"text":"1% (for the first £10k)"}],"markDefs":[],"style":"normal"},{"_key":"cf57942305b8","_type":"block","children":[{"_key":"1ec042ad50d0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"3c34be707ddc","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"f9be8b1879bd","_type":"block","children":[{"_key":"8a39ff7d970f","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"90bec717d421","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"468b1367d41a","_type":"block","children":[{"_key":"de1e2405d65c","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"97a68de34db5","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"454d5721f9b5","_type":"block","children":[{"_key":"2cf9eb6f123b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"0ac9398006bb","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"2c771a0586be","_type":"block","children":[{"_key":"a5b40fb5ba7a","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"1206fede535a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"10c3b0e42e84","_type":"block","children":[{"_key":"66e8a836fee6","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"b5874d07c16c","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"758cdedbc8ad","_type":"block","children":[{"_key":"253bdf76e1ea","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"12bbfe1f847b","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"713ce4f4504a","_type":"block","children":[{"_key":"6d149843cc60","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"a8e74482753e","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"0e5d65f16c1a","_type":"block","children":[{"_key":"0e670213f7b1","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"22120EF3-6F72-4AF4-9DB1-1B4593236051","inANutshell":["Low cost","May be complex for beginners","Good investment ideas and content"],"mostPopularRank":1,"noOfReviews":"1713","ourRating":"9","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"5a480dd3-c7ab-4c8b-984a-3de0046c41e8","_type":"reference"},"reviewReference":{"_ref":"1dbcb796-5201-4542-a5fd-e9d2d02257e5","_type":"reference"},"showBBTable":true,"wouldRecommendRating":87.84,"yourRating":"8","id":"-bd819082-deff-5ec0-8103-7d9917a63743","children":[],"parent":null}},{"_key":"4b6552deb314","_type":"block","children":[{"_key":"06e5ff1c4fec0","_type":"span","marks":[],"text":"In-depth independent review of AJ Bell YouInvest. Compare fees, investment options, and platform features to decide if it's right for you. Independent analysis and real user insights."}],"markDefs":[],"style":"normal"},{"_key":"64e58d536ce9","_type":"block","children":[{"_key":"19b00a57e8e90","_type":"span","marks":[],"text":"Quick Facts"}],"markDefs":[],"style":"h3"},{"_key":"21a155d3e6c8","_type":"textboxWidget","text":[{"_key":"66dc67d5fbc5","_type":"block","children":[{"_key":"62dfba1cc24e","_type":"span","marks":[],"text":"Platform Type: DIY Investment Platform "}],"markDefs":[],"style":"normal"},{"_key":"250514500e38","_type":"block","children":[{"_key":"025d119eca97","_type":"span","marks":[],"text":"Minimum Investment: £25/month or £500 lump sum "}],"markDefs":[],"style":"normal"},{"_key":"754e0259371a","_type":"block","children":[{"_key":"8f713ffb3aa4","_type":"span","marks":[],"text":"ISA Available: Yes "}],"markDefs":[],"style":"normal"},{"_key":"7c1a7a6f1bae","_type":"block","children":[{"_key":"464eda39bd85","_type":"span","marks":[],"text":"SIPP Available: Yes "}],"markDefs":[],"style":"normal"},{"_key":"9dee940d9e2a","_type":"block","children":[{"_key":"f63a41f70b67","_type":"span","marks":[],"text":"Share Trading: Yes "}],"markDefs":[],"style":"normal"},{"_key":"bfbac7ee517c","_type":"block","children":[{"_key":"6247532721c4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"9a7c6fa912f1","_type":"block","children":[{"_key":"10f2ec9c9adb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4fce612eb771","_type":"block","children":[{"_key":"2abcf66df0470","_type":"span","marks":[],"text":"AJ Bell YouInvest handles over £65.2 billion in assets for its customers, making it one of the UK's largest investment platforms. But size doesn't always equal value – especially when typical investors could save money by choosing the right platform for their specific needs."}],"markDefs":[],"style":"normal"},{"_key":"a95ab0787fd7","_type":"block","children":[{"_key":"61379a0489ad0","_type":"span","marks":[],"text":"Our analysis shows AJ Bell YouInvest particularly stands out for:"}],"markDefs":[],"style":"normal"},{"_key":"f1dbf4fba898","_type":"block","children":[{"_key":"f8e67b85338c0","_type":"span","marks":[],"text":"Competitive fees "}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c446ad78c340","_type":"block","children":[{"_key":"fb5485637da70","_type":"span","marks":[],"text":"Extensive investment range including shares, funds, and ETFs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c8831b17ce40","_type":"block","children":[{"_key":"ebbefe71d0610","_type":"span","marks":[],"text":"Research tools and regular market insights"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"44728e734c69","_type":"block","children":[{"_key":"bc599fc105b00","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"hideTitle":false,"linkMenu":[{"_id":"54579584-9466-45f9-b79a-1946b44d7f0d","_type":"pageAnchorMenu","_rev":"gyETDxn3l5JRUNdn9SgVqv","_createdAt":"2024-01-05T13:30:47Z","_updatedAt":"2024-01-12T13:31:20Z","menuLinksTop":[{"_key":"02cdada8f974","_type":"pageAnchorMenuTop","reference":{"_ref":"9ea52ac4-3bb8-4fe4-b8ea-2c2a5e9004cf","_type":"reference"},"text":"Boring Money's rating"},{"_key":"f2aaacd04f07","_type":"pageAnchorMenuTop","reference":{"_ref":"e17eb14a-5082-4a31-911c-e8cf2665fa72","_type":"reference"},"text":"Investment expert's opinion"},{"_key":"7e71e2ff529b","_type":"pageAnchorMenuTop","reference":{"_ref":"522348ce-ba06-4d6e-9a76-bf943875d0cf","_type":"reference"},"text":"Who is AJ Bell?"},{"_key":"51932ef7d45f","_type":"pageAnchorMenuTop","reference":{"_ref":"cf6f26cf-1a25-40c6-b9bc-7eea852a160b","_type":"reference"},"text":"Who is AJ Bell good for?"},{"_key":"228ebd8d4a41","_type":"pageAnchorMenuTop","reference":{"_ref":"68a2740c-2fdd-48f2-a439-70e9257fa1dc","_type":"reference"},"text":"Pros and cons"},{"_key":"d93eeb53148a","_type":"pageAnchorMenuTop","reference":{"_ref":"9e51cdf7-15a0-4f71-a312-6ed8618ed389","_type":"reference"},"text":"Investments"},{"_key":"4ecd777294d6","_type":"pageAnchorMenuTop","menuChildLinks":[{"_key":"21249e30db38","_type":"pageAnchorMenuChild","reference":{"_ref":"2c997e7d-1bea-4476-9de0-5ed9b0515370","_type":"reference"},"text":"ISA"},{"_key":"72f616844e11","_type":"pageAnchorMenuChild","reference":{"_ref":"ff57f94f-5ad4-4b79-b2cb-f15cbcbe2361","_type":"reference"},"text":"Pension"},{"_key":"294954af4755","_type":"pageAnchorMenuChild","reference":{"_ref":"64bb480b-2fe7-47e8-a7c8-2a42c44d19f8","_type":"reference"},"text":"LISA"},{"_key":"91804121ef0d","_type":"pageAnchorMenuChild","reference":{"_ref":"ee27d09d-a3cd-4792-9e2a-c3c517b2e0b2","_type":"reference"},"text":"JISA"}],"reference":{"_ref":"605cc8d4-a85e-4d6d-94d8-0c4cbebac403","_type":"reference"},"text":"Accounts"},{"_key":"0714d085963b","_type":"pageAnchorMenuTop","reference":{"_ref":"4e980c11-5605-4480-b5cf-9ef6d1970af0","_type":"reference"},"text":"Fees and charges"},{"_key":"1f4af0346b6c","_type":"pageAnchorMenuTop","reference":{"_ref":"9a9a5fd8-03e4-41c0-8bb9-96205fa99fa0","_type":"reference"},"text":"Customer reviews"},{"_key":"d67481701025","_type":"pageAnchorMenuTop","menuChildLinks":[{"_key":"96058d7aa1fa","_type":"pageAnchorMenuChild","reference":{"_ref":"d1046785-69e9-496b-ad81-606ac5827160","_type":"reference"},"text":"Is AJ Bell safe?"},{"_key":"5e73d0f898a4","_type":"pageAnchorMenuChild","reference":{"_ref":"2a73217e-191b-415b-b2d0-e41ac8f522f0","_type":"reference"},"text":"Is AJ Bell’s ISA flexible?"},{"_key":"ca176660fb1d","_type":"pageAnchorMenuChild","reference":{"_ref":"c006d558-0cdf-4015-ae60-607b0c46a2e7","_type":"reference"},"text":"Does AJ Bell charge exit fees?"},{"_key":"ad2a9cecfc79","_type":"pageAnchorMenuChild","reference":{"_ref":"d03cc619-c9e7-4fb3-875a-23822616f0a5","_type":"reference"},"text":"How to withdraw money from AJ Bell"},{"_key":"44ebce8d1fec","_type":"pageAnchorMenuChild","reference":{"_ref":"0e8ff136-c0de-47ea-b0d1-b535464d80a4","_type":"reference"},"text":"Does AJ Bell have inactivity fees?"}],"reference":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"},"text":"Most asked questions"},{"_key":"7055c61643f7","_type":"pageAnchorMenuTop","reference":{"_ref":"08f91d37-f8e6-4d45-bf2f-c8d9fb950e62","_type":"reference"},"text":"Glossary"}],"menuTitle":"In this review","pageRef":"AJ Bell review","id":"-3de4e52c-b989-50ac-9ac7-5fa33b0743ae","children":[],"parent":null}],"mainImage":{"_type":"mainImage","alt":"aj bell","asset":{"_id":"image-ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080-jpg","_type":"sanity.imageAsset","_rev":"YyKAMdtTUUtpI3N1EPsP2Y","_createdAt":"2022-11-03T11:09:04Z","_updatedAt":"2022-11-03T11:09:04Z","assetId":"ba6b86859eb77ea1543666422f6b957e0e025fb6","extension":"jpg","metadata":{"_type":"sanity.imageMetadata","blurHash":"eKSs1[$+xatRkWxuayayj[fk_NN[NGjZaKtRofkCayf68_spt7bHoz","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1,"height":1080,"width":1080},"hasAlpha":false,"isOpaque":true,"lqip":"data:image/jpeg;base64,/9j/2wBDAAYEBQYFBAYGBQYHBwYIChAKCgkJChQODwwQFxQYGBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0oMCUoKSj/2wBDAQcHBwoIChMKChMoGhYaKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCj/wAARCAAUABQDASIAAhEBAxEB/8QAGQABAAIDAAAAAAAAAAAAAAAAAAIFBAYI/8QAJBAAAgEDAwMFAAAAAAAAAAAAAQIAAwQRBQYxEhMhFEFRgZH/xAAVAQEBAAAAAAAAAAAAAAAAAAAAAv/EABgRAQADAQAAAAAAAAAAAAAAAAABAhES/9oADAMBAAIRAxEAPwDqUVqRcoKi9Q5GfIkg6k4DDPxmUV7t83WrVLwXDUg1Pt9CePszEG2rs3He9eyODyvuIXeKxnM62kMp4I/YlLY6NVtqTIblnyxbJiELuIiAiIgf/9k=","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#36333d","foreground":"#fff","population":1.42,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#91253e","foreground":"#fff","population":0.1,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#36333d","foreground":"#fff","population":1.42,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#dabcca","foreground":"#000","population":0.31,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#fc447c","foreground":"#fff","population":0,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#828287","foreground":"#fff","population":0.18,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#ce0a37","foreground":"#fff","population":1.32,"title":"#fff"}}},"mimeType":"image/jpeg","originalFilename":"AJ bell white.jpg","path":"images/k8qzcdw3/prod1503/ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080.jpg","sha1hash":"ba6b86859eb77ea1543666422f6b957e0e025fb6","size":157404,"uploadId":"6nuzqUS7RoafdAIbvOQHmgU6dNizvdtZ","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080.jpg","filename":"AJ bell white.jpg","width":1080,"height":1080,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080.jpg?rect=180,0,720,1080&w=%width%&h=%height%&q=80","id":"image-ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080-jpg","children":[],"parent":null},"blankAltTag":true},"pageBreadcrumb":{"_id":"8f5ab9fb-224b-4f57-ba6c-6518bb4164ec","_type":"breadcrumbCategory","_rev":"072gzeuadq1CgbecpuGm3g","_createdAt":"2024-01-05T13:51:10Z","_updatedAt":"2025-02-12T09:30:09Z","breadcrumbList":[{"_key":"3d0c467817b4","_type":"breadcrumbReference","linkReference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"title":"Compare Providers"},{"_key":"2817edf4188d","_type":"breadcrumbReference","linkReference":{"_ref":"6e1f16ab-e016-4f0e-829b-f3a0cb03fe76","_type":"reference"},"title":"Independent Provider Reviews"},{"_key":"de9fe1885351","_type":"breadcrumbReference","linkReference":{"_ref":"1dbcb796-5201-4542-a5fd-e9d2d02257e5","_type":"reference"},"title":"AJ Bell"}],"breadcrumbName":"AJ Bell  Provider Review","id":"-9ccccc8a-453d-5ab9-9b49-2814d2d637e2","children":[],"parent":null},"publishedAt":"2025-01-01T09:23:00.000Z","slug":{"_type":"slug","current":"aj-bell-youinvest"},"subfolder":{"_id":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"folderCategory","_rev":"cQD0A3OGksV3pY6pYH47mV","_createdAt":"2021-06-14T19:24:49Z","_updatedAt":"2023-02-15T16:24:35Z","folder":"/isas-pensions/","id":"-f5695f01-adc9-59c8-91c1-c9304ad10ae9","children":[],"parent":null},"subtitle":"Independent review by Boring Money","template":"C-SB","textNextToKey":"Sign up for free to read more!","title":"Is AJ Bell good for investing?","widgets":[{"_id":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"widgetCategory","_rev":"6AfP3xqI2sTk1rcr1kqY3C","_createdAt":"2023-10-19T15:43:42Z","_updatedAt":"2024-07-03T09:31:20Z","body":[{"_key":"63e5f12073a5","_type":"block","children":[{"_key":"d5d397dd4cdf","_type":"span","marks":[],"text":"Join our Research Panel"}],"markDefs":[],"style":"h4"},{"_key":"9d6941374f0a","_type":"block","children":[{"_key":"1867bfe56a21","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19a818c5c3ad","_type":"block","children":[{"_key":"9a839e0551030","_type":"span","marks":[],"text":"Join thousands of people earning cash or rewards for giving their honest feedback. Click here to become a member of the Boring Money Research Panel today!"}],"markDefs":[],"style":"normal"},{"_key":"67e84088f0cd","_type":"block","children":[{"_key":"696b7993b062","_type":"span","marks":["strong"],"text":"Click here to get started!"}],"markDefs":[],"style":"normal"}],"linkReference":{"_id":"04249739-c1d1-4d9d-83eb-cd744f57ff49","_type":"landingPage","_rev":"6GQVMObKpWvjCX4LMv16E8","_createdAt":"2022-10-17T14:37:39Z","_updatedAt":"2025-05-13T16:31:52Z","content":[{"_key":"74e7fd3abf29","_type":"breadcrumb","breadcrumbs":[{"_key":"760b0d086b58","_type":"breadcrumbReference","linkReference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"title":"Home"},{"_key":"51053ad53a6c","_type":"breadcrumbReference","linkReference":{"_ref":"04249739-c1d1-4d9d-83eb-cd744f57ff49","_type":"reference"},"title":"Join our Research Panel"}]},{"_key":"a2a6be9a8635","_type":"heroSection","alignment":"Text Right","brazeCustomAttributes":[{"_key":"67f0ea99eda3","_type":"brazeCustomAttribute","customAttributeKey":"Army_Registered","customAttributeValue":"true"}],"introPara":[{"_key":"2c329b713300","_type":"block","children":[{"_key":"0c24a9062019","_type":"span","marks":[],"text":"Join our Research Panel"}],"markDefs":[],"style":"h1"},{"_key":"672b6cabc1a4","_type":"block","children":[{"_key":"0616bdbc497e0","_type":"span","marks":[],"text":"Our aim is to make the world of finance more transparent and clearer to understand. To do that, we need "},{"_key":"3302b649ba84","_type":"span","marks":["em"],"text":"you "},{"_key":"bc3dd484ce7f","_type":"span","marks":[],"text":"to try things out, share your opinions, and tell us what you like. Join now, share your views and earn money in the process!"}],"markDefs":[],"style":"normal"},{"_key":"ba6596789058","_type":"dataCaptureForm","brazeCustomAttributes":[{"_key":"107edd26f870","_type":"brazeCustomAttribute","customAttributeKey":"Army_Registered","customAttributeValue":"TRUE"}],"dataCaptureInputs":[{"_key":"b6963c60830a","_type":"dataCaptureInputItem","inputFieldLabel":"Join now","inputFieldPlaceholderText":"Enter your email","inputFieldType":"Email","requiredField":true}],"linkText":"START REGISTRATION","signupRedirectLink":"/boring-money-army-new-member-survey/"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-0257851b48d343eb46fdd3cf8352218cbf8351dc-3840x2160-png","_type":"reference"}},"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"showEmailCapture":false,"styles":"Half-Padding-White","thankYouText":[{"_key":"bf44527c5651","_type":"block","children":[{"_key":"aada7930f5a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h2"}],"title":"We're on a mission!"},{"_key":"ae17bd7c3627ee07d8e89dc0d604cb72","_type":"heroSection","alignment":"Text Left","introPara":[{"_key":"68e164de91c1","_type":"block","children":[{"_key":"8cdb10a201db","_type":"span","marks":[],"text":"Our financial investment projects are conducted periodically throughout the year. Panel members are selected based on project needs, and compensation is provided at market rates."}],"markDefs":[],"style":"normal"},{"_key":"59c83fb1810c","_type":"block","children":[{"_key":"5d5676314fe1","_type":"span","marks":[],"text":"Selection for surveys depends on the information provided in your onboarding survey, including details about your investment holdings, personal circumstances, and the specific research requirements.\n\nAdditionally, we periodically host competitions. Keep an eye out for updates, as we value community input during such events."}],"markDefs":[],"style":"normal"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-1c8144ee166236b51b9e465cfb7d7823600ffb7e-1920x1080-gif","_type":"reference"}},"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"showEmailCapture":false,"styles":"Half-Padding-White","thankYouText":[{"_key":"bf44527c5651","_type":"block","children":[{"_key":"aada7930f5a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h2"}],"title":"4 steps"},{"_key":"d4cb2e98d7e9","_type":"heroSection","alignment":"Text Left","introPara":[{"_key":"757beedbcf67","_type":"block","children":[{"_key":"0cb001c1c24f","_type":"span","marks":[],"text":"As a member of our Research Panel, you will:"}],"markDefs":[],"style":"h2"},{"_key":"a0f14a78f8ae","_type":"block","children":[{"_key":"0d7ac368fd9c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ea4be68eb6ff","_type":"block","children":[{"_key":"362c1304b243","_type":"span","marks":["strong"],"text":"- Participate in surveys and interviews of varying length and time commitments to suit you"}],"markDefs":[],"style":"normal"},{"_key":"8db92efdf5fc","_type":"block","children":[{"_key":"469a26997f0f","_type":"span","marks":["strong"],"text":"- Earn market research rates for your input"}],"markDefs":[],"style":"normal"},{"_key":"d9af5dab90aa","_type":"block","children":[{"_key":"f3988462b788","_type":"span","marks":["strong"],"text":"- Help us to help financial providers do better!"}],"markDefs":[],"style":"normal"},{"_key":"b01ee0ca0d5f","_type":"block","children":[{"_key":"19542cae94a5","_type":"span","marks":["em"],"text":"*We will not share your data with any third-party organisations. Boring Money research is all carried out in line with the Market Research Society’s Code of Conduct and the General Data Protection Regulation (GDPR)."}],"markDefs":[],"style":"small"}],"mainImage":{"_type":"mainImage","alt":"Join our research panel ","asset":{"_ref":"image-cb073362bd966c54fb865f9842900bdf044c16ff-997x574-png","_type":"reference"}},"reference":{"_ref":"04249739-c1d1-4d9d-83eb-cd744f57ff49","_type":"reference"},"styles":"Half-Padding-White","title":"Join our research panel"}],"publishedAt":"2022-10-17T14:22:47.096Z","slug":{"_type":"slug","current":"the-boring-money-army-wants-you"},"subfolder":{"_ref":"83495465-d1dd-4049-a955-b065009036e6","_type":"reference"},"subtitle":"Help our financially confused nation and make a few quid","theme":"Boring Money theme","title":"Join the Boring Money Research Panel","id":"-9872e0f5-bb4e-52ef-8be4-56cb16b4cdc5","children":[],"parent":null},"mainImage":{"_type":"mainImage","asset":{"_ref":"image-0257851b48d343eb46fdd3cf8352218cbf8351dc-3840x2160-png","_type":"reference"}},"title":"Join our research panel","widgetType":{"_id":"669510d5-9577-4ce3-b9f5-17a73b44c59d","_type":"widgetTypes","_rev":"DsHc46whJxIpNrcPyQeVGy","_createdAt":"2021-07-02T13:00:28Z","_updatedAt":"2021-07-02T13:00:28Z","title":"Image + text + link","id":"-cddbfca0-b9a5-5835-a5d3-c98208b12cdc","children":[],"parent":null},"id":"-f501c2f7-ff3e-5ac8-88b4-f5c5c30b9a2c","children":[],"parent":null},{"_id":"3fefd2ec-9177-427c-9149-529cd1417d24","_type":"widgetCategory","_rev":"mfgO8PbcFSLaqMaA8BmipS","_createdAt":"2021-07-28T08:56:55Z","_updatedAt":"2025-06-16T08:47:26Z","body":[{"_key":"2aa5b2aacbc9","_type":"block","children":[{"_key":"3ac8ab79e172","_type":"span","marks":[],"text":"Contact us"}],"markDefs":[],"style":"h4"},{"_key":"50da6f7a4168","_type":"block","children":[{"_key":"cbe5b44e78be","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f821331dc4dc","_type":"block","children":[{"_key":"c64105ad8f5c","_type":"span","marks":[],"text":"Have a question about money that we haven't answered? Need help making better money choices? "}],"markDefs":[],"style":"normal"},{"_key":"bd66c471e51a","_type":"block","children":[{"_key":"13924af1445a","_type":"span","marks":["strong"],"text":"Click here to contact our team."}],"markDefs":[],"style":"normal"}],"linkReference":{"_id":"789ad7dd-f1a8-4606-9075-20ecba5e0f6b","_type":"linkCategory","_rev":"lplVYZfWM6SeENm14p7rgN","_createdAt":"2022-10-11T10:42:09Z","_updatedAt":"2024-02-22T11:34:37Z","url":"mailto:community@boringmoney.co.uk","id":"-4036ead5-27b9-53f8-b172-b2a01e27899a","children":[],"parent":null},"mainImage":{"_type":"mainImage","alt":"Contact us","asset":{"_ref":"image-e9a1e7125646cbb15c91c1ff25e6372e00bcd890-1920x1080-png","_type":"reference"}},"title":"Contact us","widgetType":{"_id":"669510d5-9577-4ce3-b9f5-17a73b44c59d","_type":"widgetTypes","_rev":"DsHc46whJxIpNrcPyQeVGy","_createdAt":"2021-07-02T13:00:28Z","_updatedAt":"2021-07-02T13:00:28Z","title":"Image + text + link","id":"-cddbfca0-b9a5-5835-a5d3-c98208b12cdc","children":[],"parent":null},"id":"-3372d7ad-076b-59de-ab05-cb9c3fdeaef7","children":[],"parent":null}],"id":"-90e537c1-1c19-591a-913b-da530c91d620","children":[],"parent":null},"showBBTable":true,"wouldRecommendRating":87.84,"yourRating":"8","id":"-bd819082-deff-5ec0-8103-7d9917a63743","children":[],"parent":null}]},{"_key":"abb9c36bcb7a","_type":"block","children":[{"_key":"26400555d724","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"87aa49773e4d","_type":"blockQuote","adviserName":"Boring Money","jobTitle":"Tester and Analyst","quote":[{"_key":"1f0fd898f41a","_type":"block","children":[{"_key":"55bc57331d93","_type":"span","marks":[],"text":"Navigation is genuinely good - I could find what I needed easily. The guidance and FAQs are helpful. It's a solid, functional platform that gets the job done."}],"markDefs":[],"style":"normal"}]},{"_key":"1a8f8634e2db","_type":"block","children":[{"_key":"b42b0b50b555","_type":"span","marks":[],"text":"Fidelity"}],"markDefs":[],"style":"h3"},{"_key":"7a16ccfe3bcd","_type":"prosConsWidget","prosTitle":"Best for: Institutional-quality research for larger portfolios"},{"_key":"a2388033dd26","_type":"recProviders","companies":[{"_id":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","_type":"companyCategory","_rev":"Q6z14aedR34UCXcxUmilUk","_createdAt":"2021-09-22T15:40:08Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","rev":"BR99o6YSojcZSyho0bo3Ys"}},"bestBuyAward":{"_id":"b7bce671-e80a-4ede-8647-4042031ea64a","_type":"bestBuyAward","_rev":"0FvTSp1yYRm2ugsQpma0ky","_createdAt":"2026-01-29T12:49:56Z","_updatedAt":"2026-01-29T12:50:30Z","bestBuyCompareTableLogo":{"_type":"image","asset":{"_id":"image-007140428d612ce1b60906f9b595c70495cc175b-620x136-png","_type":"sanity.imageAsset","_rev":"ofM7EIDfnwHVEh3rYtkz66","_createdAt":"2022-03-15T09:25:25Z","_updatedAt":"2022-03-15T09:25:25Z","assetId":"007140428d612ce1b60906f9b595c70495cc175b","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"DNP}kupe0:IvE4~UtlI[jYoI","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":4.5588235294117645,"height":136,"width":620},"hasAlpha":true,"isOpaque":false,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#52472f","foreground":"#fff","population":1.94,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#cc960e","foreground":"#000","population":2.45,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#da9811","foreground":"#000","population":14.3,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#8e6d0a","foreground":"#fff","population":0,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f6d87f","foreground":"#000","population":3.21,"title":"#000"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#415189","foreground":"#fff","population":0.04,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#da9811","foreground":"#000","population":14.3,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"best buy pension award.png","path":"images/k8qzcdw3/prod1503/007140428d612ce1b60906f9b595c70495cc175b-620x136.png","sha1hash":"007140428d612ce1b60906f9b595c70495cc175b","size":56862,"uploadId":"Z9Z9DaHcIX0lcYQMmmE7dL8kVsbCoRL4","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/007140428d612ce1b60906f9b595c70495cc175b-620x136.png","filename":"best buy pension award.png","width":620,"height":136,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/007140428d612ce1b60906f9b595c70495cc175b-620x136.png?rect=265,0,91,136&w=%width%&h=%height%&q=80","id":"image-007140428d612ce1b60906f9b595c70495cc175b-620x136-png","children":[],"parent":null}},"informationPage":{"_id":"fc19a01d-3103-47e2-9fcf-611a5e15ca38","_type":"linkCategory","_rev":"bWkheq2txEUsW2b2yFTjOV","_createdAt":"2026-01-28T14:21:19Z","_updatedAt":"2026-01-28T14:21:28Z","description":"Best For Investment Research Award 2026 | Boring Money","url":"https://www.boringmoney.co.uk/boring-money-awards/who-are-the-best-providers-for-investment-research-2026/","id":"-5e353b0d-0701-5cf6-9be7-a65e29dd158b","children":[],"parent":null},"name":"Best For Investment Research 2026","providerPageLogo":{"_type":"image","asset":{"_id":"image-ad9df2106e6755832df00b5589ec4762f81a72b9-3201x3200-png","_type":"sanity.imageAsset","_rev":"YjNvQx4tqfWKwO39Ef50nZ","_createdAt":"2026-01-28T15:20:31Z","_updatedAt":"2026-01-28T15:20:31Z","assetId":"ad9df2106e6755832df00b5589ec4762f81a72b9","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"eBLqS2%y00jd00?doeITWCX403Wn00RR?N1Gay;Nf*k=00jv+pRQ_M","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.0003125,"height":3200,"width":3201},"hasAlpha":true,"isOpaque":false,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#23223c","foreground":"#fff","population":11.42,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#250bc0","foreground":"#fff","population":0.14,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#23223c","foreground":"#fff","population":11.42,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#caa4c2","foreground":"#000","population":1.12,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#fc6fb4","foreground":"#000","population":0.03,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#6365b4","foreground":"#fff","population":0.47,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#3d16f1","foreground":"#fff","population":2.25,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"Best for Investment Research.png","path":"images/k8qzcdw3/prod1503/ad9df2106e6755832df00b5589ec4762f81a72b9-3201x3200.png","sha1hash":"ad9df2106e6755832df00b5589ec4762f81a72b9","size":500207,"uploadId":"FOPGAQpcvwlGeUwzsn1ZTMYp8mwv4vfl","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/ad9df2106e6755832df00b5589ec4762f81a72b9-3201x3200.png","filename":"Best for Investment Research.png","width":3201,"height":3200,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/ad9df2106e6755832df00b5589ec4762f81a72b9-3201x3200.png?rect=535,0,2133,3200&w=%width%&h=%height%&q=80","id":"image-ad9df2106e6755832df00b5589ec4762f81a72b9-3201x3200-png","children":[],"parent":null}},"id":"-3bcbcb69-1e9e-5068-9f17-b46d8b54563e","children":[],"parent":null},"bestBuyAwardVisible":{"_id":"eaa64ff3-3087-49f7-a5f0-83f69aec6233","_type":"bestBuyAward","_rev":"uKsIgnbY5DoFWsQn52IzO8","_createdAt":"2022-09-16T12:22:48Z","_updatedAt":"2022-10-05T09:10:35Z","name":"Sustainable ISA rated by Visible","providerPageLogo":{"_type":"image","asset":{"_id":"image-23c5065a40f6ddcb96e5374c242421eb1c511901-640x360-jpg","_type":"sanity.imageAsset","_rev":"nsh0V1jFaQLVBtBJeN6qyI","_createdAt":"2022-10-04T13:56:22Z","_updatedAt":"2022-10-04T13:56:22Z","assetId":"23c5065a40f6ddcb96e5374c242421eb1c511901","extension":"jpg","metadata":{"_type":"sanity.imageMetadata","blurHash":"MXRp5.t7~njwIujxj@t2a#fS?Va#D=ocoG","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.7777777777777777,"height":360,"width":640},"hasAlpha":false,"isOpaque":true,"lqip":"data:image/jpeg;base64,/9j/2wBDAAYEBQYFBAYGBQYHBwYIChAKCgkJChQODwwQFxQYGBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0oMCUoKSj/2wBDAQcHBwoIChMKChMoGhYaKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCj/wAARCAALABQDASIAAhEBAxEB/8QAGAAAAgMAAAAAAAAAAAAAAAAAAAYEBQj/xAAgEAACAgICAgMAAAAAAAAAAAABAgADBREEBiJBEhNR/8QAFQEBAQAAAAAAAAAAAAAAAAAAAAP/xAAZEQADAQEBAAAAAAAAAAAAAAAAAQJBAxH/2gAMAwEAAhEDEQA/ANKdju5VGP8Alw1JcuAxHoezFTFZPOv2OqmygniltFyuvH9j9aoZCGGxIOPrX7XbXkGIBJlY6qJcuU/deAsIQhJA/9k=","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#040494","foreground":"#fff","population":0,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#040480","foreground":"#fff","population":0,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#6262fa","foreground":"#fff","population":3.84,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#7b84c0","foreground":"#fff","population":0.06,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#6c64f8","foreground":"#fff","population":1.02,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#6c6aa5","foreground":"#fff","population":0.46,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#6262fa","foreground":"#fff","population":3.84,"title":"#fff"}}},"mimeType":"image/jpeg","originalFilename":"MicrosoftTeams-image (10).png","path":"images/k8qzcdw3/prod1503/23c5065a40f6ddcb96e5374c242421eb1c511901-640x360.jpg","sha1hash":"23c5065a40f6ddcb96e5374c242421eb1c511901","size":34478,"uploadId":"4JAQzjPc256EX7MIVBD1c5DaiqR1yNCn","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/23c5065a40f6ddcb96e5374c242421eb1c511901-640x360.jpg","filename":"MicrosoftTeams-image (10).png","width":640,"height":360,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/23c5065a40f6ddcb96e5374c242421eb1c511901-640x360.jpg?rect=200,0,240,360&w=%width%&h=%height%&q=80","id":"image-23c5065a40f6ddcb96e5374c242421eb1c511901-640x360-jpg","children":[],"parent":null}},"id":"-340374b6-74d5-5798-a396-90f6e2e50942","children":[],"parent":null},"bestBuyType":"ISA","body":[{"_key":"bd75f60433b6","_type":"block","children":[{"_key":"41cca6e409b1","_type":"span","marks":[],"text":"Fidelity is a massive American brand which is very thorough, responsible and solid. The site is full of research and information which is clearly presented and well-executed. The charges are fair and the website is improving. They are not a sustainable specialist, more a generalist, so will appeal to those who want help to pick third-party options, not get everything from one single provider."}],"markDefs":[],"style":"normal"},{"_key":"cbdb19c7dc16","_type":"block","children":[{"_key":"a7f4fbeb1dcb0","_type":"span","marks":[],"text":"We include them here because the research section is very helpful for customers in helping them to shortlist, research and select sustainable funds which map to their personal criteria and preferences."}],"markDefs":[],"style":"normal"}],"companyBBCats":["DIY","BIGBRAND"],"companyDisplayName":"Fidelity","companyLogo":{"_type":"mainImage","alt":"Fidelity","asset":{"_id":"image-9d1590372d4676569d8c778783e9d332accdc9d8-1000x1000-jpg","_type":"sanity.imageAsset","_rev":"pwgsWsC4RsKsrkEnM8ClfP","_createdAt":"2024-06-11T16:01:21Z","_updatedAt":"2024-06-11T16:01:21Z","assetId":"9d1590372d4676569d8c778783e9d332accdc9d8","extension":"jpg","metadata":{"_type":"sanity.imageMetadata","blurHash":"eeR:7]Z#VsjakWt7ayayj[jt_NpIkqoyaekCofj[ayay9Fi_jEWBfl","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1,"height":1000,"width":1000},"hasAlpha":false,"isOpaque":true,"lqip":"data:image/jpeg;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#437188","foreground":"#fff","population":0.41,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#0b5f8b","foreground":"#fff","population":4,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#0b5f8b","foreground":"#fff","population":4,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#dabbae","foreground":"#000","population":0.03,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f08e8d","foreground":"#000","population":0.25,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#985452","foreground":"#fff","population":0.13,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#cc262a","foreground":"#fff","population":0.08,"title":"#fff"}}},"mimeType":"image/jpeg","originalFilename":"Fidelity logo 2024.jpg","path":"images/k8qzcdw3/prod1503/9d1590372d4676569d8c778783e9d332accdc9d8-1000x1000.jpg","sha1hash":"9d1590372d4676569d8c778783e9d332accdc9d8","size":77065,"uploadId":"SxDtnIBHm9J0PLfhUjvSoSE2dJl0rDeZ","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/9d1590372d4676569d8c778783e9d332accdc9d8-1000x1000.jpg","filename":"Fidelity logo 2024.jpg","width":1000,"height":1000,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/9d1590372d4676569d8c778783e9d332accdc9d8-1000x1000.jpg?rect=167,0,667,1000&w=%width%&h=%height%&q=80","id":"image-9d1590372d4676569d8c778783e9d332accdc9d8-1000x1000-jpg","children":[],"parent":null}},"companyName":"ISA Fidelity","comparisonCriteria":[{"_key":"e8a21cbb78c2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:15:44Z","_updatedAt":"2022-01-25T13:15:44Z","name":"Description","order":0,"id":"-38df3451-8e56-55e9-874e-016872a907c4","children":[],"parent":null},"text":[{"_key":"75d195a27188","_type":"block","children":[{"_key":"f5e44c6181c5","_type":"span","marks":[],"text":"A safe, solid global player which has recently improved its website for investors. Recent changes include improved share dealing services and performance reporting."}],"markDefs":[],"style":"normal"}]},{"_key":"a67a9f5274f8","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-03-08T15:16:10Z","_updatedAt":"2022-03-08T15:16:10Z","name":"Investment choice","order":1,"id":"-35e5c77c-56b4-5ac5-9bd3-ddda2a3e72b4","children":[],"parent":null},"text":[{"_key":"8899ebfcaf44","_type":"block","children":[{"_key":"15df9b8d68cc","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"f58ac7228c81","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-03-07T13:26:21Z","_updatedAt":"2022-03-08T15:17:51Z","name":"All-inclusive charge","order":2,"id":"-d8b65ff4-87ca-56d5-bf47-0840c0d8b574","children":[],"parent":null},"text":[{"_key":"c9df47a28488","_type":"block","children":[{"_key":"9f76408b709e","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"ec7fbf83cc57","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:16:03Z","_updatedAt":"2022-03-08T15:18:02Z","name":"Platform fees","order":3,"id":"-a94dc12e-f05a-57ed-9dba-dfabb438ba56","children":[],"parent":null},"text":[{"_key":"49f824dcb7b4","_type":"block","children":[{"_key":"bd4e1aed817e","_type":"span","marks":[],"text":"Funds: 0.35% (for a value between £7.5k and £250k)"}],"markDefs":[],"style":"normal"},{"_key":"5d1e9bb5bf54","_type":"block","children":[{"_key":"967c8e21094e","_type":"span","marks":[],"text":"Shares: 0.35% (max £45 per year) (for a value more than £7.5k)"}],"markDefs":[],"style":"normal"}]},{"_key":"6a23b6871e82","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T09:49:24Z","_updatedAt":"2022-03-08T15:18:13Z","name":"Trading fees","order":4,"id":"-24808855-dffe-557d-be7b-79d866ba8558","children":[],"parent":null},"text":[{"_key":"aef4036bb941","_type":"block","children":[{"_key":"378ab7b22658","_type":"span","marks":[],"text":"Funds: free"}],"markDefs":[],"style":"normal"},{"_key":"491b38aecf42","_type":"block","children":[{"_key":"64e8937e24ae","_type":"span","marks":[],"text":"Shares: £10"}],"markDefs":[],"style":"normal"}]},{"_key":"8b8c26d4c4be","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:16:14Z","_updatedAt":"2022-03-08T15:18:22Z","name":"Foreign exchange fees","order":5,"id":"-bf4bc988-ff22-50e7-83f8-4536fb061bdc","children":[],"parent":null},"text":[{"_key":"0ce2dd1fa821","_type":"block","children":[{"_key":"52d9c2e94e26","_type":"span","marks":[],"text":"N/A"}],"markDefs":[],"style":"normal"}]},{"_key":"b1120d77cc36","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:16:25Z","_updatedAt":"2022-03-08T15:18:31Z","name":"Junior ISA","order":6,"id":"-6a12e7e7-0545-5f60-8e45-5d13c0488a76","children":[],"parent":null},"text":[{"_key":"f9d00eb06ccb","_type":"block","children":[{"_key":"770948f1871e","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"91b8b19f016f","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:16:35Z","_updatedAt":"2022-03-08T15:18:43Z","name":"Lifetime ISA","order":7,"id":"-c375cc5c-0202-57dd-b6de-ca54830a46e9","children":[],"parent":null},"text":[{"_key":"8da05fe13441","_type":"block","children":[{"_key":"d516cd918ff8","_type":"span","marks":[],"text":"No"}],"markDefs":[],"style":"normal"}]},{"_key":"d2190871d889","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:16:43Z","_updatedAt":"2022-03-08T15:18:58Z","name":"GIA","order":8,"id":"-b134b2bd-0ad0-5f13-b60a-37238000aea8","children":[],"parent":null},"text":[{"_key":"412aa10449b9","_type":"block","children":[{"_key":"caafedbe4ce4","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"cde1dbf2aa3d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:17:01Z","_updatedAt":"2022-03-08T15:19:13Z","name":"SIPP","order":9,"id":"-1463cd6f-f666-5df3-8f4c-0df6310b6764","children":[],"parent":null},"text":[{"_key":"b118f43f8300","_type":"block","children":[{"_key":"f1cf259d8892","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"7e8240c12f50","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:17:08Z","_updatedAt":"2022-03-08T15:19:24Z","name":"Shares","order":10,"id":"-7b24847c-9a26-5ee3-acbd-6fcaff5a91f1","children":[],"parent":null},"text":[{"_key":"250b903f1e9f","_type":"block","children":[{"_key":"84081e0b0a9d","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"cc651389a87d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:17:19Z","_updatedAt":"2022-03-08T15:19:32Z","name":"Funds","order":11,"id":"-313d7cf7-1e77-5066-8ebe-b1bc735b4f8d","children":[],"parent":null},"text":[{"_key":"d432f5fd8ebd","_type":"block","children":[{"_key":"eeadbb517dae","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"26230f42620a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:18:00Z","_updatedAt":"2022-03-08T15:19:41Z","name":"ETFs","order":12,"id":"-0dbd4d0a-229a-543f-9101-b050ef6c26ea","children":[],"parent":null},"text":[{"_key":"5411d118e3fc","_type":"block","children":[{"_key":"66f597c75b0b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8425c99a3fb0","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:18:02Z","_updatedAt":"2022-03-08T15:19:50Z","name":"Investment trusts","order":13,"id":"-2cfa5419-4c90-52e8-9ae7-568d8e56d104","children":[],"parent":null},"text":[{"_key":"9b360f7c576a","_type":"block","children":[{"_key":"d02fa067b96b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"6BD1BAC0-3F13-4DA8-A1DA-7CEFA7EAB7AC","inANutshell":["Large, secure global company ","Good investment research tools","Expensive for portfolios under £25k unless you have a regular savings plan"],"mostPopularRank":7,"noOfReviews":"1689","ourRating":"8","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_id":"447459c4-290e-474b-b6ab-ee141dee49a6","_type":"linkCategory","_rev":"pmT7QR797Is6qDo1cgCb0R","_createdAt":"2022-02-23T10:33:10Z","_updatedAt":"2025-08-29T15:45:17Z","_system":{"base":{"id":"447459c4-290e-474b-b6ab-ee141dee49a6","rev":"KZQo3A7WcrNiYL7tGIORt9"}},"affiliateLink":true,"description":"Affiliate UTM Fidelity ISA","url":"https://www.awin1.com/cread.php?awinmid=9992&awinaffid=740625&campaign=pi_isa&ued=https%3A%2F%2Fwww.fidelity.co.uk%2Fstocks-and-shares-isa%2F","id":"-278d0cfa-b892-5b01-bdfc-53c2e47fe472","children":[],"parent":null},"reviewReference":{"_id":"6b9c10a5-2223-4a20-98fb-55323cda4a35","_type":"information","_rev":"ReG8cor2CRZQPja7mpq0ZB","_createdAt":"2021-08-30T10:38:21Z","_updatedAt":"2026-04-02T14:15:15Z","_system":{"base":{"id":"6b9c10a5-2223-4a20-98fb-55323cda4a35","rev":"BuJwPtZh1I7Qoo0aNlIbYC"}},"authors":[{"_key":"6c33badda57f","_type":"personReference","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"people","_rev":"n54XUON695cO06xFcT7KHi","_createdAt":"2021-07-16T15:41:47Z","_updatedAt":"2026-04-16T00:00:29Z","_system":{"base":{"id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","rev":"1XrksDlMkoAPinyrcm2t9G"}},"answeredQuestionsRank":252,"averageRating":0,"bio":[{"_key":"bf1f1c58fef9","_type":"block","children":[{"_key":"97ba1f193b22","_type":"span","marks":[],"text":"Boring Money is an independent company founded in 2015 to make investing, saving and financial planning accessible for everyday people without a PhD in finance. "}],"markDefs":[],"style":"normal"},{"_key":"529bed96fa8e","_type":"block","children":[{"_key":"46347ea68efb","_type":"span","marks":[],"text":"Led by industry veteran "},{"_key":"d6819d3bfe17","_type":"span","marks":["12ac5536ccfd"],"text":"Holly Mackay"},{"_key":"00f260fdccf0","_type":"span","marks":[],"text":" with over 24 years' experience, Boring Money's mission is to demystify savings, investments, and pensions. We help consumers with educational content, research, and user-friendly tips - all without the confusing technical jargon!"}],"markDefs":[{"_key":"12ac5536ccfd","_type":"link","href":"https://www.boringmoney.co.uk/advisers/holly-mackay/"}],"style":"normal"},{"_key":"dbb1c5ff82a3","_type":"block","children":[{"_key":"a9b296baf5d3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8a06e569aa6a","_type":"prosConsWidget","cons":["Confusing industry jargon!"],"consTitle":"Dislikes:","pros":["Making money make sense"],"prosTitle":"Likes:"},{"_key":"04271e0685d4","_type":"block","children":[{"_key":"a68362f24eb7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3e82861a3b80","_type":"block","children":[{"_key":"0f6b76e2f7e6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7f1e7a776f24","_type":"block","children":[{"_key":"44781b4aa451","_type":"span","marks":["em"],"text":"Boring Money is not a regulated financial advice firm. We provide generic information to help you understand your options. We make money from sponsorship, advertising, and referral fees - all transparently disclosed "},{"_key":"8f2d6d572758","_type":"span","marks":["em","a3db01606b86"],"text":"here"},{"_key":"07c6279db2e5","_type":"span","marks":["em"],"text":"."}],"markDefs":[{"_key":"a3db01606b86","_type":"link","href":"https://www.boringmoney.co.uk/how-we-make-money/"}],"style":"normal"}],"categories":[{"_key":"5577aff62e48","_ref":"976f2dc9-ded3-47fc-bc52-bd928767a578","_type":"reference"}],"dashboardId":"b3cf6703-691d-4826-9ddc-762eeb58c289","dateAnsweredRank":88,"email":"community@boringmoney.co.uk","excerpt":[{"_key":"e8edde7ba304","_type":"block","children":[{"_key":"ffba4fdcab87","_type":"span","marks":[],"text":"This is a Boring Money Advice admin page. This adviser directory allows you to browse trusted, vetted financial advisers. Enter your location or use the advanced filters to find the perfect match."}],"markDefs":[],"style":"normal"}],"hideFeeStructure":true,"image":{"_type":"mainImage","alt":"Boring Money","asset":{"_ref":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg","_type":"reference"},"blankAltTag":true,"caption":"Boring Money","crop":{"_type":"sanity.imageCrop","bottom":0,"left":0.10897435897435898,"right":0.1217948717948718,"top":0},"hotspot":{"_type":"sanity.imageHotspot","height":1,"width":0.7628205128205129,"x":0.49679487179487175,"y":0.5}},"location":{"_ref":"6647e624-276a-461e-84a8-f8e62eb9143e","_type":"reference"},"name":"Boring Money","numberOfLikes":1828,"numberOfRatings":0,"publishedAt":"2026-01-20T13:29:05.059Z","showAdviser":false,"slug":{"_type":"slug","current":"boring-money"},"specialisations":[{"_key":"d3e41a6fbb34","_ref":"4807983c-8f5a-49f7-83bd-fcc53e0f81e8","_type":"reference"}],"summary":[{"_key":"8ab6b22d9f47","_type":"block","children":[{"_key":"aa17690f4230","_type":"span","marks":[],"text":"Here to help you understand your options and make smart money choices."}],"markDefs":[],"style":"normal"}],"id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","children":[],"parent":null}}],"authorsText":[{"_key":"00eff1456ec5","_type":"block","children":[{"_key":"f3e7bbe6b4a3","_type":"span","marks":[],"text":"Written by "},{"_key":"902361b6c17b","_type":"span","marks":["554cc5821090"],"text":"Boring Money"}],"markDefs":[{"_key":"554cc5821090","_type":"internalLinkPick","blank":true,"reference":{"_ref":"d303d967-e483-4761-b7bf-65760d5b1b66","_type":"reference"}}],"style":"normal"}],"body":[{"_key":"15e3877df4be","_type":"providerHeaderWidget","company":{"_id":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","_type":"companyCategory","_rev":"Q6z14aedR34UCXcxUmilUk","_createdAt":"2021-09-22T15:40:08Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","rev":"BR99o6YSojcZSyho0bo3Ys"}},"bestBuyAward":{"_ref":"b7bce671-e80a-4ede-8647-4042031ea64a","_type":"reference"},"bestBuyAwardVisible":{"_ref":"eaa64ff3-3087-49f7-a5f0-83f69aec6233","_type":"reference"},"bestBuyType":"ISA","body":[{"_key":"bd75f60433b6","_type":"block","children":[{"_key":"41cca6e409b1","_type":"span","marks":[],"text":"Fidelity is a massive American brand which is very thorough, responsible and solid. The site is full of research and information which is clearly presented and well-executed. The charges are fair and the website is improving. They are not a sustainable specialist, more a generalist, so will appeal to those who want help to pick third-party options, not get everything from one single provider."}],"markDefs":[],"style":"normal"},{"_key":"cbdb19c7dc16","_type":"block","children":[{"_key":"a7f4fbeb1dcb0","_type":"span","marks":[],"text":"We include them here because the research section is very helpful for customers in helping them to shortlist, research and select sustainable funds which map to their personal criteria and preferences."}],"markDefs":[],"style":"normal"}],"companyBBCats":["DIY","BIGBRAND"],"companyDisplayName":"Fidelity","companyLogo":{"_type":"mainImage","alt":"Fidelity","asset":{"_ref":"image-9d1590372d4676569d8c778783e9d332accdc9d8-1000x1000-jpg","_type":"reference"}},"companyName":"ISA Fidelity","comparisonCriteria":[{"_key":"e8a21cbb78c2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"75d195a27188","_type":"block","children":[{"_key":"f5e44c6181c5","_type":"span","marks":[],"text":"A safe, solid global player which has recently improved its website for investors. Recent changes include improved share dealing services and performance reporting."}],"markDefs":[],"style":"normal"}]},{"_key":"a67a9f5274f8","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"8899ebfcaf44","_type":"block","children":[{"_key":"15df9b8d68cc","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"f58ac7228c81","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"c9df47a28488","_type":"block","children":[{"_key":"9f76408b709e","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"ec7fbf83cc57","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"49f824dcb7b4","_type":"block","children":[{"_key":"bd4e1aed817e","_type":"span","marks":[],"text":"Funds: 0.35% (for a value between £7.5k and £250k)"}],"markDefs":[],"style":"normal"},{"_key":"5d1e9bb5bf54","_type":"block","children":[{"_key":"967c8e21094e","_type":"span","marks":[],"text":"Shares: 0.35% (max £45 per year) (for a value more than £7.5k)"}],"markDefs":[],"style":"normal"}]},{"_key":"6a23b6871e82","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"aef4036bb941","_type":"block","children":[{"_key":"378ab7b22658","_type":"span","marks":[],"text":"Funds: free"}],"markDefs":[],"style":"normal"},{"_key":"491b38aecf42","_type":"block","children":[{"_key":"64e8937e24ae","_type":"span","marks":[],"text":"Shares: £10"}],"markDefs":[],"style":"normal"}]},{"_key":"8b8c26d4c4be","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"0ce2dd1fa821","_type":"block","children":[{"_key":"52d9c2e94e26","_type":"span","marks":[],"text":"N/A"}],"markDefs":[],"style":"normal"}]},{"_key":"b1120d77cc36","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"f9d00eb06ccb","_type":"block","children":[{"_key":"770948f1871e","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"91b8b19f016f","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"8da05fe13441","_type":"block","children":[{"_key":"d516cd918ff8","_type":"span","marks":[],"text":"No"}],"markDefs":[],"style":"normal"}]},{"_key":"d2190871d889","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"412aa10449b9","_type":"block","children":[{"_key":"caafedbe4ce4","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"cde1dbf2aa3d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"b118f43f8300","_type":"block","children":[{"_key":"f1cf259d8892","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"7e8240c12f50","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"250b903f1e9f","_type":"block","children":[{"_key":"84081e0b0a9d","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"cc651389a87d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"d432f5fd8ebd","_type":"block","children":[{"_key":"eeadbb517dae","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"26230f42620a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"5411d118e3fc","_type":"block","children":[{"_key":"66f597c75b0b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8425c99a3fb0","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"9b360f7c576a","_type":"block","children":[{"_key":"d02fa067b96b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"6BD1BAC0-3F13-4DA8-A1DA-7CEFA7EAB7AC","inANutshell":["Large, secure global company ","Good investment research tools","Expensive for portfolios under £25k unless you have a regular savings plan"],"mostPopularRank":7,"noOfReviews":"1689","ourRating":"8","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"447459c4-290e-474b-b6ab-ee141dee49a6","_type":"reference"},"reviewReference":{"_ref":"6b9c10a5-2223-4a20-98fb-55323cda4a35","_type":"reference"},"showBBTable":true,"visibleReadMoreText":[{"_key":"32dea117a80d","_type":"block","children":[{"_key":"ec599991f6e0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4f8846c8bbd1","_type":"block","children":[{"_key":"c3c4443c04530","_type":"span","marks":[],"text":"Fidelity is a massive American brand which is very thorough, responsible and solid. The site is full of research and information which is clearly presented and well-executed. The charges are fair and the website is improving. They are not a sustainable specialist, more a generalist, so will appeal to those who want help to pick third-party options, not get everything from one single provider."}],"markDefs":[],"style":"normal"},{"_key":"327c509d7488","_type":"block","children":[{"_key":"b02af1efaa670","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8686b4a20453","_type":"block","children":[{"_key":"1ac98e28f0190","_type":"span","marks":[],"text":"We include them here because the research section is very helpful for customers in helping them to shortlist, research and select sustainable funds which map to their personal criteria and preferences."}],"markDefs":[],"style":"normal"}],"visibleReference":{"_ref":"431c36f8-1a74-492f-ae46-da2b8fe6894d","_type":"reference"},"wouldRecommendRating":81.64,"yourRating":"7","id":"-93b1acbe-7963-53fb-908c-862d71012ba2","children":[],"parent":null}},{"_key":"cf5a7607fc27","_type":"anchorMenuMobile","title":"menu"},{"_key":"25d0f2697a6e","_type":"block","children":[{"_key":"36d76ae6d85f","_type":"span","marks":[],"text":""},{"_key":"3f1c70b8ec8f","_type":"mainAnchor","pageAnchor":{"_ref":"be67f70a-2e31-4e77-9282-6784550f85ce","_type":"reference"}},{"_key":"558860e3ac53","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c5d91290027c","_type":"ourRatingWidget","company":{"_id":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","_type":"companyCategory","_rev":"Q6z14aedR34UCXcxUmilUk","_createdAt":"2021-09-22T15:40:08Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","rev":"BR99o6YSojcZSyho0bo3Ys"}},"bestBuyAward":{"_ref":"b7bce671-e80a-4ede-8647-4042031ea64a","_type":"reference"},"bestBuyAwardVisible":{"_ref":"eaa64ff3-3087-49f7-a5f0-83f69aec6233","_type":"reference"},"bestBuyType":"ISA","body":[{"_key":"bd75f60433b6","_type":"block","children":[{"_key":"41cca6e409b1","_type":"span","marks":[],"text":"Fidelity is a massive American brand which is very thorough, responsible and solid. The site is full of research and information which is clearly presented and well-executed. The charges are fair and the website is improving. They are not a sustainable specialist, more a generalist, so will appeal to those who want help to pick third-party options, not get everything from one single provider."}],"markDefs":[],"style":"normal"},{"_key":"cbdb19c7dc16","_type":"block","children":[{"_key":"a7f4fbeb1dcb0","_type":"span","marks":[],"text":"We include them here because the research section is very helpful for customers in helping them to shortlist, research and select sustainable funds which map to their personal criteria and preferences."}],"markDefs":[],"style":"normal"}],"companyBBCats":["DIY","BIGBRAND"],"companyDisplayName":"Fidelity","companyLogo":{"_type":"mainImage","alt":"Fidelity","asset":{"_ref":"image-9d1590372d4676569d8c778783e9d332accdc9d8-1000x1000-jpg","_type":"reference"}},"companyName":"ISA Fidelity","comparisonCriteria":[{"_key":"e8a21cbb78c2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"75d195a27188","_type":"block","children":[{"_key":"f5e44c6181c5","_type":"span","marks":[],"text":"A safe, solid global player which has recently improved its website for investors. Recent changes include improved share dealing services and performance reporting."}],"markDefs":[],"style":"normal"}]},{"_key":"a67a9f5274f8","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"8899ebfcaf44","_type":"block","children":[{"_key":"15df9b8d68cc","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"f58ac7228c81","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"c9df47a28488","_type":"block","children":[{"_key":"9f76408b709e","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"ec7fbf83cc57","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"49f824dcb7b4","_type":"block","children":[{"_key":"bd4e1aed817e","_type":"span","marks":[],"text":"Funds: 0.35% (for a value between £7.5k and £250k)"}],"markDefs":[],"style":"normal"},{"_key":"5d1e9bb5bf54","_type":"block","children":[{"_key":"967c8e21094e","_type":"span","marks":[],"text":"Shares: 0.35% (max £45 per year) (for a value more than £7.5k)"}],"markDefs":[],"style":"normal"}]},{"_key":"6a23b6871e82","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"aef4036bb941","_type":"block","children":[{"_key":"378ab7b22658","_type":"span","marks":[],"text":"Funds: free"}],"markDefs":[],"style":"normal"},{"_key":"491b38aecf42","_type":"block","children":[{"_key":"64e8937e24ae","_type":"span","marks":[],"text":"Shares: £10"}],"markDefs":[],"style":"normal"}]},{"_key":"8b8c26d4c4be","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"0ce2dd1fa821","_type":"block","children":[{"_key":"52d9c2e94e26","_type":"span","marks":[],"text":"N/A"}],"markDefs":[],"style":"normal"}]},{"_key":"b1120d77cc36","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"f9d00eb06ccb","_type":"block","children":[{"_key":"770948f1871e","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"91b8b19f016f","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"8da05fe13441","_type":"block","children":[{"_key":"d516cd918ff8","_type":"span","marks":[],"text":"No"}],"markDefs":[],"style":"normal"}]},{"_key":"d2190871d889","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"412aa10449b9","_type":"block","children":[{"_key":"caafedbe4ce4","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"cde1dbf2aa3d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"b118f43f8300","_type":"block","children":[{"_key":"f1cf259d8892","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"7e8240c12f50","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"250b903f1e9f","_type":"block","children":[{"_key":"84081e0b0a9d","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"cc651389a87d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"d432f5fd8ebd","_type":"block","children":[{"_key":"eeadbb517dae","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"26230f42620a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"5411d118e3fc","_type":"block","children":[{"_key":"66f597c75b0b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8425c99a3fb0","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"9b360f7c576a","_type":"block","children":[{"_key":"d02fa067b96b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"6BD1BAC0-3F13-4DA8-A1DA-7CEFA7EAB7AC","inANutshell":["Large, secure global company ","Good investment research tools","Expensive for portfolios under £25k unless you have a regular savings plan"],"mostPopularRank":7,"noOfReviews":"1689","ourRating":"8","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"447459c4-290e-474b-b6ab-ee141dee49a6","_type":"reference"},"reviewReference":{"_ref":"6b9c10a5-2223-4a20-98fb-55323cda4a35","_type":"reference"},"showBBTable":true,"visibleReadMoreText":[{"_key":"32dea117a80d","_type":"block","children":[{"_key":"ec599991f6e0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4f8846c8bbd1","_type":"block","children":[{"_key":"c3c4443c04530","_type":"span","marks":[],"text":"Fidelity is a massive American brand which is very thorough, responsible and solid. The site is full of research and information which is clearly presented and well-executed. The charges are fair and the website is improving. They are not a sustainable specialist, more a generalist, so will appeal to those who want help to pick third-party options, not get everything from one single provider."}],"markDefs":[],"style":"normal"},{"_key":"327c509d7488","_type":"block","children":[{"_key":"b02af1efaa670","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8686b4a20453","_type":"block","children":[{"_key":"1ac98e28f0190","_type":"span","marks":[],"text":"We include them here because the research section is very helpful for customers in helping them to shortlist, research and select sustainable funds which map to their personal criteria and preferences."}],"markDefs":[],"style":"normal"}],"visibleReference":{"_ref":"431c36f8-1a74-492f-ae46-da2b8fe6894d","_type":"reference"},"wouldRecommendRating":81.64,"yourRating":"7","id":"-93b1acbe-7963-53fb-908c-862d71012ba2","children":[],"parent":null}},{"_key":"af2494ebbef1","_type":"block","children":[{"_key":"b2e164ce1f00","_type":"span","marks":[],"text":""},{"_key":"b0d5a009deb8","_type":"mainAnchor","pageAnchor":{"_ref":"e17eb14a-5082-4a31-911c-e8cf2665fa72","_type":"reference"}},{"_key":"afacad9381f4","_type":"span","marks":[],"text":"Investment expert’s opinion "}],"markDefs":[],"style":"h2"},{"_key":"499a7a2b7ac8","_type":"blockQuote","adviserName":"Holly Mackay ","jobTitle":"Founder & CEO, Boring Money*","photo":{"_type":"mainImage","alt":"Holly Mackay ","asset":{"_id":"image-09007f04fb546b786000b2729947b6dfc2f690aa-606x438-jpg","_type":"sanity.imageAsset","_rev":"DmK61VtPyEhMsfOjcsZzN8","_createdAt":"2022-03-15T09:25:26Z","_updatedAt":"2022-03-15T09:25:26Z","assetId":"09007f04fb546b786000b2729947b6dfc2f690aa","extension":"jpg","metadata":{"_type":"sanity.imageMetadata","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.3835616438356164,"height":438,"width":606},"hasAlpha":false,"isOpaque":true,"lqip":"data:image/jpeg;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#4d3b2e","foreground":"#fff","population":0.65,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#66361d","foreground":"#fff","population":0,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#bcbcc4","foreground":"#000","population":10.09,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#bcbcc4","foreground":"#000","population":10.09,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#efc4b4","foreground":"#000","population":4.75,"title":"#000"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#9b7156","foreground":"#fff","population":1.49,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#da9f80","foreground":"#000","population":4.63,"title":"#fff"}}},"mimeType":"image/jpeg","originalFilename":"holly-mackay.jpg","path":"images/k8qzcdw3/prod1503/09007f04fb546b786000b2729947b6dfc2f690aa-606x438.jpg","sha1hash":"09007f04fb546b786000b2729947b6dfc2f690aa","size":43900,"uploadId":"efr09p113ugQpUYLY5vZu34pjW0VK2zY","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/09007f04fb546b786000b2729947b6dfc2f690aa-606x438.jpg","filename":"holly-mackay.jpg","width":606,"height":438,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/09007f04fb546b786000b2729947b6dfc2f690aa-606x438.jpg?rect=157,0,292,438&w=%width%&h=%height%&q=80","id":"image-09007f04fb546b786000b2729947b6dfc2f690aa-606x438-jpg","children":[],"parent":null}},"quote":[{"_key":"130738536b9b","_type":"block","children":[{"_key":"c27a148c93c5","_type":"span","marks":[],"text":"Fidelity is a massive global brand which will be a reliable choice for those looking to manage their family investments and savings in one place. Fee-free Junior ISAs are hard to beat. The app is decent, the research is good, and the phone service is reliable. However, there is a but... the app and site have not kept pace with competitors, and so there is no element which makes this option stand out. So it's good enough, but nothing exciting."}],"markDefs":[],"style":"normal"}]},{"_key":"6576b2c7327d","_type":"block","children":[{"_key":"8d4042e0e7db","_type":"span","marks":["em"],"text":"*This is the view of investment expert Holly Mackay based on her first-hand customer experience as a test account holder. This does not constitute regulated advice. You can read more about Holly's investments "},{"_key":"c0e2bf53f089","_type":"span","marks":["em","e3538d66cdc7"],"text":"here"},{"_key":"b0d50828c621","_type":"span","marks":["em"],"text":"."}],"markDefs":[{"_key":"e3538d66cdc7","_type":"internalLinkPick","reference":{"_ref":"6dff6a49-b6ac-46cf-abed-819cb7486e2d","_type":"reference"}}],"style":"small"},{"_key":"bd1627fd69e1","_type":"block","children":[{"_key":"bbe685518cda","_type":"span","marks":["strong"],"text":"Risk warning"}],"markDefs":[],"style":"normal"},{"_key":"9a44024efba1","_type":"block","children":[{"_key":"ba6d90b0b947","_type":"span","marks":[],"text":"As 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."}],"markDefs":[],"style":"normal"},{"_key":"2787296d28a5","_type":"block","children":[{"_key":"08aee601a277","_type":"span","marks":[],"text":""},{"_key":"422fd99bfcb7","_type":"mainAnchor","pageAnchor":{"_ref":"522348ce-ba06-4d6e-9a76-bf943875d0cf","_type":"reference"}},{"_key":"0c4b54aef16e","_type":"span","marks":[],"text":"Who is Fidelity?"}],"markDefs":[],"style":"h2"},{"_key":"ac9e4ac8d5ac","_type":"block","children":[{"_key":"2e5bf009874a0","_type":"span","marks":[],"text":"Fidelity – also known as Fidelity International - was established in 1969 as a subsidiary of Fidelity Investments, one of the largest asset management firms in the world. Fidelity International became an independent business in 1980 and today is one of the most popular investment platforms in the UK, with over 1.6 million customers. It offers a wide range of investments, including its own funds - such as the popular Fidelity Index World, which frequently appears in our monthly "},{"_key":"c1e778930c61","_type":"span","marks":["161fbfab337e"],"text":"best-selling funds "},{"_key":"b193f677c6cb","_type":"span","marks":[],"text":"series."}],"markDefs":[{"_key":"161fbfab337e","_type":"internalLinkPick","reference":{"_ref":"aadcd51e-3d7b-47ae-94da-4226f4f25ea8","_type":"reference"}}],"style":"normal"},{"_key":"43cca092f5c0","_type":"textboxWidget","text":[{"_key":"47fb3226d40a","_type":"block","children":[{"_key":"3a75c71565690","_type":"span","marks":["strong"],"text":"Fidelity won the following at Boring Money’s Best Buy Awards in 2025:"}],"markDefs":[],"style":"normal"},{"_key":"3d0b15c6c3d6","_type":"block","children":[{"_key":"7e9f7a44b4d5","_type":"span","marks":[],"text":"🏆 "},{"_key":"488ccae400ee","_type":"span","marks":["5219a0564ac4"],"text":"Best Buy Pension "}],"markDefs":[{"_key":"5219a0564ac4","_type":"internalLinkPick","reference":{"_ref":"41b7c255-2a4e-415c-bc4e-74bc27a97f1e","_type":"reference"}}],"style":"normal"},{"_key":"3f88e9b3a9e5","_type":"block","children":[{"_key":"e74ba4a386e6","_type":"span","marks":[],"text":"🏆 "},{"_key":"e2068d1aa1ce","_type":"span","marks":["f6ae2f7d8548"],"text":"Best Buy JISA"}],"markDefs":[{"_key":"f6ae2f7d8548","_type":"internalLinkPick","reference":{"_ref":"e2f37bff-0046-4a63-b28a-4100f5ce38b9","_type":"reference"}}],"style":"normal"},{"_key":"4fd42fda4030","_type":"block","children":[{"_key":"8b38f03c4556","_type":"span","marks":[],"text":"🏆 "},{"_key":"c8a221eee5a2","_type":"span","marks":["375f8a4f9449"],"text":"Best for Investment Research"}],"markDefs":[{"_key":"375f8a4f9449","_type":"internalLinkPick","reference":{"_ref":"df3d4346-4cfc-4a90-8bfa-1a9016dcd649","_type":"reference"}}],"style":"normal"},{"_key":"1127e5e08d34","_type":"block","children":[{"_key":"1ce97cbb3e8c","_type":"span","marks":[],"text":"🏆 "},{"_key":"db94ffce93aa","_type":"span","marks":["8fcf63bb6c11"],"text":"Best for Customer Service"}],"markDefs":[{"_key":"8fcf63bb6c11","_type":"internalLinkPick","reference":{"_ref":"76a171af-4523-416f-8eb9-6df7272d8c2d","_type":"reference"}}],"style":"normal"},{"_key":"259293136e28","_type":"block","children":[{"_key":"aeeec11414d1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"4c2487128113","_type":"block","children":[{"_key":"a2090a228766","_type":"span","marks":[],"text":""},{"_key":"97e9a69edea2","_type":"mainAnchor","pageAnchor":{"_ref":"cf6f26cf-1a25-40c6-b9bc-7eea852a160b","_type":"reference"}},{"_key":"001ae599ac48","_type":"span","marks":[],"text":"Who is Fidelity good for?"}],"markDefs":[],"style":"h2"},{"_key":"89e8ed98b577","_type":"block","children":[{"_key":"20b5f9c387320","_type":"span","marks":[],"text":"Fidelity’s charges make it a better option for those with larger portfolios (£30,000+) who want access to good research and solid customer support. The large global brand will reassure some too - it's a safe pair of hands for those who find newer brands too risky. There are extensive sustainable investing filtering options too. However, not the best digital experience."}],"markDefs":[],"style":"normal"},{"_key":"12c376d97ff8","_type":"block","children":[{"_key":"2a80458ca7dc","_type":"span","marks":[],"text":""},{"_key":"15c8cc159f97","_type":"mainAnchor","pageAnchor":{"_ref":"68a2740c-2fdd-48f2-a439-70e9257fa1dc","_type":"reference"}},{"_key":"f64f841b061d","_type":"span","marks":[],"text":"Pros and cons"}],"markDefs":[],"style":"h2"},{"_key":"db4dffc86508","_type":"prosConsWidget","cons":["Website and app can feel clunky to use ","Expensive for smaller portfolios without regular savings plans ","Trading is not as streamlined via app"],"consTitle":"Cons","pros":["Large, secure global company ","Great supporting investment research and content ","Good service and support, particularly for larger accounts"],"prosTitle":"Pros"},{"_key":"e9d3b3c39c87","_type":"block","children":[{"_key":"8f37c5296a68","_type":"span","marks":[],"text":""},{"_key":"e17c3cf7cca6","_type":"mainAnchor","pageAnchor":{"_ref":"9e51cdf7-15a0-4f71-a312-6ed8618ed389","_type":"reference"}},{"_key":"3d051873fe3f","_type":"span","marks":[],"text":"Investments"}],"markDefs":[],"style":"h2"},{"_key":"9659813ad636","_type":"block","children":[{"_key":"85198f50f47c0","_type":"span","marks":[],"text":"Fidelity users can access a wide range of thousands of investments, including:"}],"markDefs":[],"style":"normal"},{"_key":"b177d13bf3c9","_type":"table","rows":[{"_key":"row-1767094659215-0","_type":"tableRow","cells":[{"_key":"cell-1767094659215-0-0","_type":"tableCell","content":[{"_key":"5cb2b6a3c99f","_type":"block","children":[{"_key":"edcce6365c67","_type":"span","marks":[],"text":"UK and Foreign Shares"}],"markDefs":[],"style":"normal"}],"isHeader":true,"linkReference":{"_ref":"cb3a5699-c273-4e67-b373-5de2a4569845","_type":"reference"}}]},{"_key":"row-1767094659215-1","_type":"tableRow","cells":[{"_key":"cell-1767094659215-1-0","_type":"tableCell","content":[{"_key":"b84c55a3f78f","_type":"block","children":[{"_key":"eca2102d225a","_type":"span","marks":[],"text":"Funds"}],"markDefs":[],"style":"normal"}],"isHeader":false,"linkReference":{"_ref":"975b751d-234d-456d-8940-f636650c301a","_type":"reference"}}]},{"_key":"row-1767094659215-2","_type":"tableRow","cells":[{"_key":"cell-1767094659215-2-0","_type":"tableCell","content":[{"_key":"c2a74d73fdb7","_type":"block","children":[{"_key":"f72a2cf2f511","_type":"span","marks":[],"text":"Investment Trusts"}],"markDefs":[],"style":"normal"}],"isHeader":false,"linkReference":{"_ref":"e50ed30a-8fd6-48b1-b086-61bdcc227685","_type":"reference"}}]},{"_key":"row-1767094727199","_type":"tableRow","cells":[{"_key":"cell-1767094727199-0","_type":"tableCell","content":[{"_key":"e0ec78184c86","_type":"block","children":[{"_key":"3b0166d9dbfd","_type":"span","marks":[],"text":"ETFs"}],"markDefs":[],"style":"normal"}],"isHeader":false}]},{"_key":"row-1767094727515","_type":"tableRow","cells":[{"_key":"cell-1767094727515-0","_type":"tableCell","content":[{"_key":"ad501079b195","_type":"block","children":[{"_key":"09bd0e87538f","_type":"span","marks":[],"text":"Ready Made Solutions"}],"markDefs":[],"style":"normal"}],"isHeader":false,"linkReference":{"_ref":"25599c4c-bf4f-4150-9d09-613c345b07c8","_type":"reference"}}]},{"_key":"row-1767096899842","_type":"tableRow","cells":[{"_key":"cell-1767096899842-0","_type":"tableCell","content":[{"_key":"bacf6b1da666","_type":"block","children":[{"_key":"c8ee9c9ba049","_type":"span","marks":[],"text":"Bonds"}],"markDefs":[],"style":"normal"}],"isHeader":false,"linkReference":{"_ref":"ef452672-20b7-4540-9f6a-d2c7bd3c8542","_type":"reference"}}]}]},{"_key":"de11875169fa","_type":"block","children":[{"_key":"61e80682314b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5f3f752c03df","_type":"block","children":[{"_key":"f508965423020","_type":"span","marks":[],"text":"The Fidelity website has a helpful "},{"_key":"16fe6df6847e","_type":"span","marks":["919a9c7cf2f6"],"text":"Investment Finder "},{"_key":"e2f341912968","_type":"span","marks":[],"text":"which you can use to search through all of the available investments, filtering by type as well as provider, sector and even charges."}],"markDefs":[{"_key":"919a9c7cf2f6","_type":"internalLinkPick","reference":{"_ref":"788d5dbc-ae2b-498c-a293-d8211bffcfed","_type":"reference"}}],"style":"normal"},{"_key":"9e2269933570","_type":"block","children":[{"_key":"8ab71781289b","_type":"span","marks":[],"text":""},{"_key":"a705dd6eed6f","_type":"mainAnchor","pageAnchor":{"_ref":"605cc8d4-a85e-4d6d-94d8-0c4cbebac403","_type":"reference"}},{"_key":"737b18bf0072","_type":"span","marks":[],"text":"Accounts"}],"markDefs":[],"style":"h2"},{"_key":"b977c27efce8","_type":"block","children":[{"_key":"7b7b0950da2c0","_type":"span","marks":[],"text":"Fidelity offers a range of accounts. The table below shows a breakdown of which ones are available and you can scroll down for more information about Fidelity's ISA, Pension and JISA."}],"markDefs":[],"style":"normal"},{"_key":"4009ba429dc5","_type":"tableControl","rows":[{"_key":"d553eb7e8b7d","_type":"row","cells":[{"_key":"8ba431a4e375","_type":"cell","tableStyle":"DB","value":[{"_key":"9d88145724e8","_type":"block","children":[{"_key":"def9e141d4400","_type":"span","marks":[],"text":"Stocks & Shares ISA"}],"markDefs":[],"style":"normal"}]},{"_key":"83bd6dcb3dcf","_type":"cell","tableStyle":"DB","value":[{"_key":"b8717e35047c","_type":"block","children":[{"_key":"7f6a2335c5830","_type":"span","marks":[],"text":"Pension (SIPP)"}],"markDefs":[],"style":"normal"}]},{"_key":"31128ead34c2","_type":"cell","tableStyle":"DB","value":[{"_key":"e2001f62cb05","_type":"block","children":[{"_key":"ec6e10bad3ff0","_type":"span","marks":[],"text":"General Investment Account (GIA)"}],"markDefs":[],"style":"normal"}]},{"_key":"56c70b5820d8","_type":"cell","tableStyle":"DB","value":[{"_key":"40217b6a7243","_type":"block","children":[{"_key":"dbb976f4bf520","_type":"span","marks":[],"text":"Lifetime ISA"}],"markDefs":[],"style":"normal"}]},{"_key":"52494242a1a4","_type":"cell","tableStyle":"DB","value":[{"_key":"c4c25c83a69e","_type":"block","children":[{"_key":"6e973223ccce0","_type":"span","marks":[],"text":"Junior ISA"}],"markDefs":[],"style":"normal"}]}]},{"_key":"b52c4264359e","_type":"row","cells":[{"_key":"e212a9c78685","_type":"cell","tableStyle":"W","value":[{"_key":"5814eee43950","_type":"block","children":[{"_key":"e1994bda8d0b","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"60afa26d9702","_type":"cell","tableStyle":"W","value":[{"_key":"10f4079d6321","_type":"block","children":[{"_key":"1c99017b106c","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"5f50d546601f","_type":"cell","tableStyle":"W","value":[{"_key":"6608a198e7c0","_type":"block","children":[{"_key":"aa0d69c14b6a","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"a262a593642f","_type":"cell","tableStyle":"W","value":[{"_key":"b35ef62eaaad","_type":"block","children":[{"_key":"23f1a7a35d290","_type":"span","marks":["strong"],"text":"✘"}],"markDefs":[],"style":"normal"}]},{"_key":"f2b9b755e66d","_type":"cell","tableStyle":"W","value":[{"_key":"e9b320187dfb","_type":"block","children":[{"_key":"e107c889e03d","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"Accounts"},{"_key":"921f98ae40d6","_type":"block","children":[{"_key":"ff287edfaedc","_type":"span","marks":[],"text":""},{"_key":"21d87b439633","_type":"mainAnchor","pageAnchor":{"_ref":"2c997e7d-1bea-4476-9de0-5ed9b0515370","_type":"reference"}},{"_key":"47d37e30468f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f81c1f62ca4f","_type":"textboxWidget","text":[{"_key":"0fae1a711445","_type":"block","children":[{"_key":"f43454bbdb74","_type":"span","marks":[],"text":"Fidelity has a "},{"_key":"0c8cadc8eb76","_type":"span","marks":["8da1cb090b0b"],"text":"Stocks & Shares ISA"},{"_key":"790bac8107c8","_type":"span","marks":[],"text":", where you can invest up to £20,000 every year completely tax-free."}],"markDefs":[{"_key":"8da1cb090b0b","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"35054e88d013","_type":"block","children":[{"_key":"56a4d91b7b7b0","_type":"span","marks":[],"text":"You can choose to invest in thousands of funds, ETFs, investment trusts or UK and international shares, as well as Fidelity’s own in-house funds. Note that you cannot invest directly in bonds with a Fidelity ISA, although many of the available funds have some exposure to bonds."}],"markDefs":[],"style":"normal"},{"_key":"7cfb35580546","_type":"block","children":[{"_key":"0a6fc436cc6a0","_type":"span","marks":[],"text":"If you’re not sure where to start, Fidelity has a "},{"_key":"0a4f07eb892d","_type":"span","marks":["17acced42ad1"],"text":"Navigator"},{"_key":"d05be1c18af6","_type":"span","marks":[],"text":" quiz which asks you some basic questions about how you’d like to invest and then matches you with investments it thinks would suit your preferences. Users can also browse "},{"_key":"ba883a712730","_type":"span","marks":["398f7525af33"],"text":"Fidelity’s Select 50"},{"_key":"a732deb64747","_type":"span","marks":[],"text":" range of funds - chosen by investment experts to represent the current ‘favourites’ available to Fidelity customers."}],"markDefs":[{"_key":"17acced42ad1","_type":"internalLinkPick","reference":{"_ref":"1689a0f7-13a1-4c9e-9552-786ac8d8b2ef","_type":"reference"}},{"_key":"398f7525af33","_type":"internalLinkPick","reference":{"_ref":"02125aac-9b5b-49db-a3f2-1615342ae8d5","_type":"reference"}}],"style":"normal"},{"_key":"943c09f506c4","_type":"block","children":[{"_key":"0e0088a32aa50","_type":"span","marks":[],"text":"Setting up a Fidelity ISA is straightforward, with a minimum lump sum of £1,000 or £25 regular monthly installments. Fidelity may also cover you for up to £500 if your current ISA provider charges exit fees."}],"markDefs":[],"style":"normal"},{"_key":"0a737235f524","_type":"block","children":[{"_key":"7082313fa932","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b082d2a143d4","_type":"block","children":[{"_key":"0ea9c8239b66","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Fidelity ISA review"},{"_key":"8d2293e12f76","_type":"block","children":[{"_key":"6c90d1871c5b","_type":"span","marks":[],"text":""},{"_key":"3540b665e36e","_type":"mainAnchor","pageAnchor":{"_ref":"ff57f94f-5ad4-4b79-b2cb-f15cbcbe2361","_type":"reference"}},{"_key":"b101f1e743ec","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9e348556814f","_type":"textboxWidget","text":[{"_key":"504ea2f4beba","_type":"block","children":[{"_key":"2bd04b87ae9f0","_type":"span","marks":[],"text":"Like the Stocks & Shares ISA, Fidelity SIPP users can choose from a wide range of investments including funds (Fidelity’s own and others), ETFs, investment trusts, and UK shares. There are also online calculators to help you plan ahead and a dedicated team on hand six days a week."}],"markDefs":[],"style":"normal"},{"_key":"156b121e11b6","_type":"block","children":[{"_key":"6dd28fe3f8270","_type":"span","marks":[],"text":"You can transfer an existing pension to Fidelity and you may be able to get up to £500 of exit fees covered for you. Plus, if you’ve got a larger portfolio of over £250,000, you’ll get a reduced account fee and your own Relationship Manager."}],"markDefs":[],"style":"normal"},{"_key":"b0aede64b72e","_type":"block","children":[{"_key":"0e6998a3b6300","_type":"span","marks":[],"text":"Setting up a Fidelity SIPP requires a minimum lump sum of £800 or £20 regular monthly installments."}],"markDefs":[],"style":"normal"},{"_key":"9eacdd78538b","_type":"block","children":[{"_key":"e05c4adcdb44","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d069c13ebfad","_type":"block","children":[{"_key":"f6774b7e19de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Fidelity Self Invested Private Pension review"},{"_key":"f50cc2eb914f","_type":"block","children":[{"_key":"f9ea844dc970","_type":"span","marks":[],"text":""},{"_key":"fd976f120d84","_type":"mainAnchor","pageAnchor":{"_ref":"ee27d09d-a3cd-4792-9e2a-c3c517b2e0b2","_type":"reference"}},{"_key":"7640636963c4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e952fcb5e43b","_type":"textboxWidget","text":[{"_key":"39d0b591ba1b","_type":"block","children":[{"_key":"7f95a63c65840","_type":"span","marks":[],"text":"Fidelity has a "},{"_key":"f4137cbee9bb","_type":"span","marks":["1ea80123d681"],"text":"Stocks & Shares Junior ISA"},{"_key":"54d4dad2cf29","_type":"span","marks":[],"text":", where you can invest up to £9,000 every tax year on behalf of your children or grandchildren."}],"markDefs":[{"_key":"1ea80123d681","_type":"internalLinkPick","reference":{"_ref":"d5b77d3e-daa0-4a42-ba55-c68b5fce8fff","_type":"reference"}}],"style":"normal"},{"_key":"8b7d90f8f54b","_type":"block","children":[{"_key":"ced6b8f318af0","_type":"span","marks":[],"text":"As with the adult Stocks & Shares ISA, Fidelity JISA customers can select from a range of different investments including funds, ETFs, investment trusts and UK and international shares. Fidelity’s online tools – including its Investment Finder, Navigator quiz and Select 50 funds list – can help you select the best ones for your child’s account."}],"markDefs":[],"style":"normal"},{"_key":"58866942226c","_type":"block","children":[{"_key":"c772830071080","_type":"span","marks":[],"text":"There is no service fee on Fidelity JISA accounts and it’s easy to get started with a minimum lump sum of £100 or £25 regular monthly instalments. It’s also possible to have up to £500 in exit fees covered for you when transferring an existing JISA to Fidelity."}],"markDefs":[],"style":"normal"},{"_key":"1846e6a79c05","_type":"block","children":[{"_key":"4a1e0d6c0a50","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Fidelity JISA review"},{"_key":"11f40fcc4216","_type":"block","children":[{"_key":"d179c2cab4df","_type":"span","marks":[],"text":""},{"_key":"ce4dc73c2fe0","_type":"mainAnchor","pageAnchor":{"_ref":"4e980c11-5605-4480-b5cf-9ef6d1970af0","_type":"reference"}},{"_key":"f74808adac68","_type":"span","marks":[],"text":"Fees and charges"}],"markDefs":[],"style":"h2"},{"_key":"3ffdf3c52cb0","_type":"block","children":[{"_key":"01b34f76730d0","_type":"span","marks":[],"text":"The cost of investing with Fidelity depends on the amount of money you have invested, whether you invest in regular monthly installments (the regular savings plan), and what you’re invested in."}],"markDefs":[],"style":"normal"},{"_key":"6d67821b450c","_type":"block","children":[{"_key":"34b2ca3b340a0","_type":"span","marks":[],"text":"Fidelity’s service fee is the same across ISA and SIPP accounts but is tiered based on the amount of money you have. Note that there is no service fee at all on Fidelity Junior ISA and Junior SIPP accounts. The table below illustrates how this works."}],"markDefs":[],"style":"normal"},{"_key":"dea34d057d52","_type":"block","children":[{"_key":"685d8e979d1c0","_type":"span","marks":["strong"],"text":"Fidelity service fee explained"}],"markDefs":[],"style":"h4"},{"_key":"4d9dbe4fced8","_type":"tableControl","rows":[{"_key":"a2f1bab68dab","_type":"row","cells":[{"_key":"843eb6cdbf9b","_type":"cell","tableStyle":"DB","value":[{"_key":"1b6bcd2ddf3f","_type":"block","children":[{"_key":"94ea8449be200","_type":"span","marks":["strong"],"text":"Invested amount"}],"markDefs":[],"style":"normal"}]},{"_key":"8bd8bfce86b7","_type":"cell","tableStyle":"DB","value":[{"_key":"80cf781bbf4e","_type":"block","children":[{"_key":"b20fcefa3c850","_type":"span","marks":["strong"],"text":"Cost"}],"markDefs":[],"style":"normal"}]}]},{"_key":"a05f6d8dcf05","_type":"row","cells":[{"_key":"5a89793901ce","_type":"cell","tableStyle":"W","value":[{"_key":"dc10bd60c43b","_type":"block","children":[{"_key":"90b5359e95b30","_type":"span","marks":[],"text":"<£25,000"}],"markDefs":[],"style":"normal"}]},{"_key":"b2d174590773272b9f9f18c387f95079","_type":"cell","tableStyle":"W","value":[{"_key":"cd775d9a79fd","_type":"block","children":[{"_key":"8a60245d9c2f0","_type":"span","marks":[],"text":"0.35% if you have a regular savings plan or £90 (£7.50 a month) if you don't"}],"markDefs":[],"style":"normal"}]}]},{"_key":"a2a814a10927cac7c86b599c3d235645","_type":"row","cells":[{"_key":"5a89793901ce","_type":"cell","tableStyle":"W","value":[{"_key":"b7f62af1b200","_type":"block","children":[{"_key":"316dc5b980a70","_type":"span","marks":[],"text":"£25,000 - £250,000"}],"markDefs":[],"style":"normal"}]},{"_key":"b2d174590773272b9f9f18c387f95079","_type":"cell","tableStyle":"W","value":[{"_key":"cd775d9a79fd","_type":"block","children":[{"_key":"8a60245d9c2f0","_type":"span","marks":[],"text":"0.35% "}],"markDefs":[],"style":"normal"}]}]},{"_key":"41c2524063a58ce6192ab948cbc7f352","_type":"row","cells":[{"_key":"5a89793901ce","_type":"cell","tableStyle":"W","value":[{"_key":"8779ec8035a9","_type":"block","children":[{"_key":"e6796d6bf7210","_type":"span","marks":[],"text":"£250,000 - £1m"}],"markDefs":[],"style":"normal"}]},{"_key":"b2d174590773272b9f9f18c387f95079","_type":"cell","tableStyle":"W","value":[{"_key":"cd775d9a79fd","_type":"block","children":[{"_key":"8a60245d9c2f0","_type":"span","marks":[],"text":"0.20% "}],"markDefs":[],"style":"normal"}]}]},{"_key":"e6ea7c51cf7dec8e6e9ddf9b3c8fce2a","_type":"row","cells":[{"_key":"5a89793901ce","_type":"cell","tableStyle":"W","value":[{"_key":"5583698e95af","_type":"block","children":[{"_key":"950b53751e640","_type":"span","marks":[],"text":"£1m+"}],"markDefs":[],"style":"normal"}]},{"_key":"b2d174590773272b9f9f18c387f95079","_type":"cell","tableStyle":"W","value":[{"_key":"f279d1165771","_type":"block","children":[{"_key":"686c834dee550","_type":"span","marks":[],"text":"0.20% for the first £1 million and no service fee for investments over this"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"Fidelity service fee explained"},{"_key":"6a17d31cfa6d","_type":"block","children":[{"_key":"95e8bc7bbd9b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3edd9aa3172d","_type":"block","children":[{"_key":"e2872bddc0940","_type":"span","marks":[],"text":"Fidelity charges £7.50 per online trade for shares, ETFs and investment trusts. This is reduced to £1.50 if you have a regular savings or withdrawal plan."}],"markDefs":[],"style":"normal"},{"_key":"34cf0a0c23e5","_type":"block","children":[{"_key":"6f847e518ea10","_type":"span","marks":[],"text":"Fidelity charges Foreign exchange fees as follows:"}],"markDefs":[],"style":"normal"},{"_key":"ec9e9a8b8883","_type":"tableControl","rows":[{"_key":"8f82b8a61474","_type":"row","cells":[{"_key":"6f3b7cd56578","_type":"cell","tableStyle":"DB","value":[{"_key":"5fe0ff453904","_type":"block","children":[{"_key":"c1d827bae72b","_type":"span","marks":[],"text":"Amount"}],"markDefs":[],"style":"normal"}]},{"_key":"c3a7dd8c9639","_type":"cell","tableStyle":"DB","value":[{"_key":"f06a4ce201be","_type":"block","children":[{"_key":"062e8613423c","_type":"span","marks":[],"text":"Fee"}],"markDefs":[],"style":"normal"}]}]},{"_key":"a90a55977eac","_type":"row","cells":[{"_key":"bf7de6f174c8","_type":"cell","tableStyle":"W","value":[{"_key":"0fbb6d185cba","_type":"block","children":[{"_key":"9338cce2a05b","_type":"span","marks":[],"text":"Under £10,000"}],"markDefs":[],"style":"normal"}]},{"_key":"814d9d5df4bb","_type":"cell","tableStyle":"W","value":[{"_key":"9790849cb0f5","_type":"block","children":[{"_key":"ce9180a3d5d1","_type":"span","marks":[],"text":"0.75%"}],"markDefs":[],"style":"normal"}]}]},{"_key":"d2756bdbf3afc51838daa77ebc3a8544","_type":"row","cells":[{"_key":"bf7de6f174c8","_type":"cell","tableStyle":"W","value":[{"_key":"0fbb6d185cba","_type":"block","children":[{"_key":"9338cce2a05b","_type":"span","marks":[],"text":"£10,000 - £20,000"}],"markDefs":[],"style":"normal"}]},{"_key":"814d9d5df4bb","_type":"cell","tableStyle":"W","value":[{"_key":"9790849cb0f5","_type":"block","children":[{"_key":"ce9180a3d5d1","_type":"span","marks":[],"text":"0.50%"}],"markDefs":[],"style":"normal"}]}]},{"_key":"0460fa9763b5e4feaca946dd5baa09ec","_type":"row","cells":[{"_key":"bf7de6f174c8","_type":"cell","tableStyle":"W","value":[{"_key":"0fbb6d185cba","_type":"block","children":[{"_key":"9338cce2a05b","_type":"span","marks":[],"text":"Over £20,000"}],"markDefs":[],"style":"normal"}]},{"_key":"814d9d5df4bb","_type":"cell","tableStyle":"W","value":[{"_key":"9790849cb0f5","_type":"block","children":[{"_key":"ce9180a3d5d1","_type":"span","marks":[],"text":"0.25%"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W","title":"FX "},{"_key":"1bbf645b1993","_type":"block","children":[{"_key":"542d56aafbe2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"117e85c68d3f","_type":"block","children":[{"_key":"a63b1d0677d80","_type":"span","marks":[],"text":"There may also be additional fees such as government levies, Stamp Duty, or taxes that apply depending on what you invest in."}],"markDefs":[],"style":"normal"},{"_key":"082265fca59f","_type":"block","children":[{"_key":"cb31131b4078","_type":"span","marks":[],"text":"Fidelity does not charge: "}],"markDefs":[],"style":"normal"},{"_key":"57b223e9e350","_type":"block","children":[{"_key":"016e7f8783900","_type":"span","marks":[],"text":"Service fees on cash held in your accounts"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"bd5b36a6cace","_type":"block","children":[{"_key":"78a13eb3b5e80","_type":"span","marks":[],"text":"Exit fees"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b77feeb25556","_type":"block","children":[{"_key":"8e02520458fb0","_type":"span","marks":[],"text":"Buying, switching or selling funds"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c75d66a907e6","_type":"calcBlock","dashboardId":"6BD1BAC0-3F13-4DA8-A1DA-7CEFA7EAB7AC","defaultWrapper":"ISA","introPara":{"_id":"2b148783-9a10-400d-abc8-d48e9be3a0e2","_type":"dictionary","_rev":"7S0ZXFhSrhUDseWBY3SxHq","_createdAt":"2024-02-26T10:06:20Z","_updatedAt":"2024-08-08T13:13:32Z","key":"calculator-paragraph-text","value":"Use the handy calculator below to calculate the cost of an account. Just select which type of account you want to use, type in the amount you want to invest and - hey presto! - our calculator will give you an estimate of how much it costs. Please note estimated fees are calculated excluding promotional offers.","id":"-202dd76e-b565-5f56-b427-adb4545a8988","children":[],"parent":null},"title":"See how much it would cost you","wrapperOptions":["ISA","PENSION","JISA"],"wrapperText":{"_id":"3c588c87-09c8-4743-94a5-23af89c4063e","_type":"dictionary","_rev":"NNaYzMKiCJ6MqzAO8LsMeb","_createdAt":"2024-02-13T09:43:58Z","_updatedAt":"2024-02-26T14:17:26Z","key":"calculator-plus-investment-fees-text","value":"Cost shown is the administration fee only. There may be additional third-party investment or fund fees, which depend               entirely on what you pick. Expect these to add about 0.25% to 1% a year to the total cost.","id":"-d139655d-51a3-5b42-948f-a09b57fb6a63","children":[],"parent":null}},{"_key":"3c48e5f66072","_type":"block","children":[{"_key":"14756f5fbace","_type":"span","marks":[],"text":""},{"_key":"52e409fed88f","_type":"mainAnchor","pageAnchor":{"_ref":"9a9a5fd8-03e4-41c0-8bb9-96205fa99fa0","_type":"reference"}},{"_key":"d94af448e511","_type":"span","marks":[],"text":"Customer reviews"}],"markDefs":[],"style":"h2"},{"_key":"8ea6a3ce8328","_type":"block","children":[{"_key":"c33f531dea260","_type":"span","marks":[],"text":"Fidelity is generally well-regarded for its reliable and secure service, good range of investment products, and user-friendly app and website. Users appreciate the good returns on investments, comprehensive educational resources, and high-quality customer service. The platform is easy to use, making it suitable for beginners, and offers a variety of investment options."}],"markDefs":[],"style":"normal"},{"_key":"57b8be1bc5c9","_type":"block","children":[{"_key":"2a9a4b6ed67f0","_type":"span","marks":[],"text":"However, there are areas for improvement. Some users suggest lowering fees, improving customer service, and providing more frequent communication. There are also calls for better clarity in reporting performance, simplifying the online process, and enhancing the user interface. Despite these suggestions, Fidelity is seen as a trustworthy and reliable provider with a strong reputation in the industry."}],"markDefs":[],"style":"normal"},{"_key":"dd9844ee580c","_type":"yourRatingWidget","company":{"_id":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","_type":"companyCategory","_rev":"Q6z14aedR34UCXcxUmilUk","_createdAt":"2021-09-22T15:40:08Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","rev":"BR99o6YSojcZSyho0bo3Ys"}},"bestBuyAward":{"_ref":"b7bce671-e80a-4ede-8647-4042031ea64a","_type":"reference"},"bestBuyAwardVisible":{"_ref":"eaa64ff3-3087-49f7-a5f0-83f69aec6233","_type":"reference"},"bestBuyType":"ISA","body":[{"_key":"bd75f60433b6","_type":"block","children":[{"_key":"41cca6e409b1","_type":"span","marks":[],"text":"Fidelity is a massive American brand which is very thorough, responsible and solid. The site is full of research and information which is clearly presented and well-executed. The charges are fair and the website is improving. They are not a sustainable specialist, more a generalist, so will appeal to those who want help to pick third-party options, not get everything from one single provider."}],"markDefs":[],"style":"normal"},{"_key":"cbdb19c7dc16","_type":"block","children":[{"_key":"a7f4fbeb1dcb0","_type":"span","marks":[],"text":"We include them here because the research section is very helpful for customers in helping them to shortlist, research and select sustainable funds which map to their personal criteria and preferences."}],"markDefs":[],"style":"normal"}],"companyBBCats":["DIY","BIGBRAND"],"companyDisplayName":"Fidelity","companyLogo":{"_type":"mainImage","alt":"Fidelity","asset":{"_ref":"image-9d1590372d4676569d8c778783e9d332accdc9d8-1000x1000-jpg","_type":"reference"}},"companyName":"ISA Fidelity","comparisonCriteria":[{"_key":"e8a21cbb78c2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"75d195a27188","_type":"block","children":[{"_key":"f5e44c6181c5","_type":"span","marks":[],"text":"A safe, solid global player which has recently improved its website for investors. Recent changes include improved share dealing services and performance reporting."}],"markDefs":[],"style":"normal"}]},{"_key":"a67a9f5274f8","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"8899ebfcaf44","_type":"block","children":[{"_key":"15df9b8d68cc","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"f58ac7228c81","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"c9df47a28488","_type":"block","children":[{"_key":"9f76408b709e","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"ec7fbf83cc57","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"49f824dcb7b4","_type":"block","children":[{"_key":"bd4e1aed817e","_type":"span","marks":[],"text":"Funds: 0.35% (for a value between £7.5k and £250k)"}],"markDefs":[],"style":"normal"},{"_key":"5d1e9bb5bf54","_type":"block","children":[{"_key":"967c8e21094e","_type":"span","marks":[],"text":"Shares: 0.35% (max £45 per year) (for a value more than £7.5k)"}],"markDefs":[],"style":"normal"}]},{"_key":"6a23b6871e82","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"aef4036bb941","_type":"block","children":[{"_key":"378ab7b22658","_type":"span","marks":[],"text":"Funds: free"}],"markDefs":[],"style":"normal"},{"_key":"491b38aecf42","_type":"block","children":[{"_key":"64e8937e24ae","_type":"span","marks":[],"text":"Shares: £10"}],"markDefs":[],"style":"normal"}]},{"_key":"8b8c26d4c4be","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"0ce2dd1fa821","_type":"block","children":[{"_key":"52d9c2e94e26","_type":"span","marks":[],"text":"N/A"}],"markDefs":[],"style":"normal"}]},{"_key":"b1120d77cc36","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"f9d00eb06ccb","_type":"block","children":[{"_key":"770948f1871e","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"91b8b19f016f","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"8da05fe13441","_type":"block","children":[{"_key":"d516cd918ff8","_type":"span","marks":[],"text":"No"}],"markDefs":[],"style":"normal"}]},{"_key":"d2190871d889","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"412aa10449b9","_type":"block","children":[{"_key":"caafedbe4ce4","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"cde1dbf2aa3d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"b118f43f8300","_type":"block","children":[{"_key":"f1cf259d8892","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"7e8240c12f50","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"250b903f1e9f","_type":"block","children":[{"_key":"84081e0b0a9d","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"cc651389a87d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"d432f5fd8ebd","_type":"block","children":[{"_key":"eeadbb517dae","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"26230f42620a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"5411d118e3fc","_type":"block","children":[{"_key":"66f597c75b0b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8425c99a3fb0","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"9b360f7c576a","_type":"block","children":[{"_key":"d02fa067b96b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"6BD1BAC0-3F13-4DA8-A1DA-7CEFA7EAB7AC","inANutshell":["Large, secure global company ","Good investment research tools","Expensive for portfolios under £25k unless you have a regular savings plan"],"mostPopularRank":7,"noOfReviews":"1689","ourRating":"8","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"447459c4-290e-474b-b6ab-ee141dee49a6","_type":"reference"},"reviewReference":{"_ref":"6b9c10a5-2223-4a20-98fb-55323cda4a35","_type":"reference"},"showBBTable":true,"visibleReadMoreText":[{"_key":"32dea117a80d","_type":"block","children":[{"_key":"ec599991f6e0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4f8846c8bbd1","_type":"block","children":[{"_key":"c3c4443c04530","_type":"span","marks":[],"text":"Fidelity is a massive American brand which is very thorough, responsible and solid. The site is full of research and information which is clearly presented and well-executed. The charges are fair and the website is improving. They are not a sustainable specialist, more a generalist, so will appeal to those who want help to pick third-party options, not get everything from one single provider."}],"markDefs":[],"style":"normal"},{"_key":"327c509d7488","_type":"block","children":[{"_key":"b02af1efaa670","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8686b4a20453","_type":"block","children":[{"_key":"1ac98e28f0190","_type":"span","marks":[],"text":"We include them here because the research section is very helpful for customers in helping them to shortlist, research and select sustainable funds which map to their personal criteria and preferences."}],"markDefs":[],"style":"normal"}],"visibleReference":{"_ref":"431c36f8-1a74-492f-ae46-da2b8fe6894d","_type":"reference"},"wouldRecommendRating":81.64,"yourRating":"7","id":"-93b1acbe-7963-53fb-908c-862d71012ba2","children":[],"parent":null}},{"LeftSideText":[{"_key":"df1d8f2b5894","_type":"block","children":[{"_key":"99ba64de681a","_type":"span","marks":["strong"],"text":"Your opinion matters!"}],"markDefs":[],"style":"normal"},{"_key":"67f4cffab43f","_type":"block","children":[{"_key":"d5a674af6412","_type":"span","marks":[],"text":"Leave a review for Fidelity "}],"markDefs":[],"style":"normal"}],"_key":"436a8c2846ec","_type":"companyReviewWidget","buttonText":"RATE PROVIDER","company":{"_id":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","_type":"companyCategory","_rev":"Q6z14aedR34UCXcxUmilUk","_createdAt":"2021-09-22T15:40:08Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","rev":"BR99o6YSojcZSyho0bo3Ys"}},"bestBuyAward":{"_ref":"b7bce671-e80a-4ede-8647-4042031ea64a","_type":"reference"},"bestBuyAwardVisible":{"_ref":"eaa64ff3-3087-49f7-a5f0-83f69aec6233","_type":"reference"},"bestBuyType":"ISA","body":[{"_key":"bd75f60433b6","_type":"block","children":[{"_key":"41cca6e409b1","_type":"span","marks":[],"text":"Fidelity is a massive American brand which is very thorough, responsible and solid. The site is full of research and information which is clearly presented and well-executed. The charges are fair and the website is improving. They are not a sustainable specialist, more a generalist, so will appeal to those who want help to pick third-party options, not get everything from one single provider."}],"markDefs":[],"style":"normal"},{"_key":"cbdb19c7dc16","_type":"block","children":[{"_key":"a7f4fbeb1dcb0","_type":"span","marks":[],"text":"We include them here because the research section is very helpful for customers in helping them to shortlist, research and select sustainable funds which map to their personal criteria and preferences."}],"markDefs":[],"style":"normal"}],"companyBBCats":["DIY","BIGBRAND"],"companyDisplayName":"Fidelity","companyLogo":{"_type":"mainImage","alt":"Fidelity","asset":{"_ref":"image-9d1590372d4676569d8c778783e9d332accdc9d8-1000x1000-jpg","_type":"reference"}},"companyName":"ISA Fidelity","comparisonCriteria":[{"_key":"e8a21cbb78c2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"75d195a27188","_type":"block","children":[{"_key":"f5e44c6181c5","_type":"span","marks":[],"text":"A safe, solid global player which has recently improved its website for investors. Recent changes include improved share dealing services and performance reporting."}],"markDefs":[],"style":"normal"}]},{"_key":"a67a9f5274f8","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"8899ebfcaf44","_type":"block","children":[{"_key":"15df9b8d68cc","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"f58ac7228c81","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"c9df47a28488","_type":"block","children":[{"_key":"9f76408b709e","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"ec7fbf83cc57","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"49f824dcb7b4","_type":"block","children":[{"_key":"bd4e1aed817e","_type":"span","marks":[],"text":"Funds: 0.35% (for a value between £7.5k and £250k)"}],"markDefs":[],"style":"normal"},{"_key":"5d1e9bb5bf54","_type":"block","children":[{"_key":"967c8e21094e","_type":"span","marks":[],"text":"Shares: 0.35% (max £45 per year) (for a value more than £7.5k)"}],"markDefs":[],"style":"normal"}]},{"_key":"6a23b6871e82","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"aef4036bb941","_type":"block","children":[{"_key":"378ab7b22658","_type":"span","marks":[],"text":"Funds: free"}],"markDefs":[],"style":"normal"},{"_key":"491b38aecf42","_type":"block","children":[{"_key":"64e8937e24ae","_type":"span","marks":[],"text":"Shares: £10"}],"markDefs":[],"style":"normal"}]},{"_key":"8b8c26d4c4be","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"0ce2dd1fa821","_type":"block","children":[{"_key":"52d9c2e94e26","_type":"span","marks":[],"text":"N/A"}],"markDefs":[],"style":"normal"}]},{"_key":"b1120d77cc36","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"f9d00eb06ccb","_type":"block","children":[{"_key":"770948f1871e","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"91b8b19f016f","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"8da05fe13441","_type":"block","children":[{"_key":"d516cd918ff8","_type":"span","marks":[],"text":"No"}],"markDefs":[],"style":"normal"}]},{"_key":"d2190871d889","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"412aa10449b9","_type":"block","children":[{"_key":"caafedbe4ce4","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"cde1dbf2aa3d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"b118f43f8300","_type":"block","children":[{"_key":"f1cf259d8892","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"7e8240c12f50","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"250b903f1e9f","_type":"block","children":[{"_key":"84081e0b0a9d","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"cc651389a87d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"d432f5fd8ebd","_type":"block","children":[{"_key":"eeadbb517dae","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"26230f42620a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"5411d118e3fc","_type":"block","children":[{"_key":"66f597c75b0b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8425c99a3fb0","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"9b360f7c576a","_type":"block","children":[{"_key":"d02fa067b96b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"6BD1BAC0-3F13-4DA8-A1DA-7CEFA7EAB7AC","inANutshell":["Large, secure global company ","Good investment research tools","Expensive for portfolios under £25k unless you have a regular savings plan"],"mostPopularRank":7,"noOfReviews":"1689","ourRating":"8","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"447459c4-290e-474b-b6ab-ee141dee49a6","_type":"reference"},"reviewReference":{"_ref":"6b9c10a5-2223-4a20-98fb-55323cda4a35","_type":"reference"},"showBBTable":true,"visibleReadMoreText":[{"_key":"32dea117a80d","_type":"block","children":[{"_key":"ec599991f6e0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4f8846c8bbd1","_type":"block","children":[{"_key":"c3c4443c04530","_type":"span","marks":[],"text":"Fidelity is a massive American brand which is very thorough, responsible and solid. The site is full of research and information which is clearly presented and well-executed. The charges are fair and the website is improving. They are not a sustainable specialist, more a generalist, so will appeal to those who want help to pick third-party options, not get everything from one single provider."}],"markDefs":[],"style":"normal"},{"_key":"327c509d7488","_type":"block","children":[{"_key":"b02af1efaa670","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8686b4a20453","_type":"block","children":[{"_key":"1ac98e28f0190","_type":"span","marks":[],"text":"We include them here because the research section is very helpful for customers in helping them to shortlist, research and select sustainable funds which map to their personal criteria and preferences."}],"markDefs":[],"style":"normal"}],"visibleReference":{"_ref":"431c36f8-1a74-492f-ae46-da2b8fe6894d","_type":"reference"},"wouldRecommendRating":81.64,"yourRating":"7","id":"-93b1acbe-7963-53fb-908c-862d71012ba2","children":[],"parent":null}},{"_key":"5b9d227c75a7","_type":"block","children":[{"_key":"76904209f6d9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6d952ad43c47","_type":"providerReviewsWidget","company":{"_id":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","_type":"companyCategory","_rev":"Q6z14aedR34UCXcxUmilUk","_createdAt":"2021-09-22T15:40:08Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","rev":"BR99o6YSojcZSyho0bo3Ys"}},"bestBuyAward":{"_ref":"b7bce671-e80a-4ede-8647-4042031ea64a","_type":"reference"},"bestBuyAwardVisible":{"_ref":"eaa64ff3-3087-49f7-a5f0-83f69aec6233","_type":"reference"},"bestBuyType":"ISA","body":[{"_key":"bd75f60433b6","_type":"block","children":[{"_key":"41cca6e409b1","_type":"span","marks":[],"text":"Fidelity is a massive American brand which is very thorough, responsible and solid. The site is full of research and information which is clearly presented and well-executed. The charges are fair and the website is improving. They are not a sustainable specialist, more a generalist, so will appeal to those who want help to pick third-party options, not get everything from one single provider."}],"markDefs":[],"style":"normal"},{"_key":"cbdb19c7dc16","_type":"block","children":[{"_key":"a7f4fbeb1dcb0","_type":"span","marks":[],"text":"We include them here because the research section is very helpful for customers in helping them to shortlist, research and select sustainable funds which map to their personal criteria and preferences."}],"markDefs":[],"style":"normal"}],"companyBBCats":["DIY","BIGBRAND"],"companyDisplayName":"Fidelity","companyLogo":{"_type":"mainImage","alt":"Fidelity","asset":{"_ref":"image-9d1590372d4676569d8c778783e9d332accdc9d8-1000x1000-jpg","_type":"reference"}},"companyName":"ISA Fidelity","comparisonCriteria":[{"_key":"e8a21cbb78c2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"75d195a27188","_type":"block","children":[{"_key":"f5e44c6181c5","_type":"span","marks":[],"text":"A safe, solid global player which has recently improved its website for investors. Recent changes include improved share dealing services and performance reporting."}],"markDefs":[],"style":"normal"}]},{"_key":"a67a9f5274f8","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"8899ebfcaf44","_type":"block","children":[{"_key":"15df9b8d68cc","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"f58ac7228c81","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"c9df47a28488","_type":"block","children":[{"_key":"9f76408b709e","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"ec7fbf83cc57","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"49f824dcb7b4","_type":"block","children":[{"_key":"bd4e1aed817e","_type":"span","marks":[],"text":"Funds: 0.35% (for a value between £7.5k and £250k)"}],"markDefs":[],"style":"normal"},{"_key":"5d1e9bb5bf54","_type":"block","children":[{"_key":"967c8e21094e","_type":"span","marks":[],"text":"Shares: 0.35% (max £45 per year) (for a value more than £7.5k)"}],"markDefs":[],"style":"normal"}]},{"_key":"6a23b6871e82","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"aef4036bb941","_type":"block","children":[{"_key":"378ab7b22658","_type":"span","marks":[],"text":"Funds: free"}],"markDefs":[],"style":"normal"},{"_key":"491b38aecf42","_type":"block","children":[{"_key":"64e8937e24ae","_type":"span","marks":[],"text":"Shares: £10"}],"markDefs":[],"style":"normal"}]},{"_key":"8b8c26d4c4be","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"0ce2dd1fa821","_type":"block","children":[{"_key":"52d9c2e94e26","_type":"span","marks":[],"text":"N/A"}],"markDefs":[],"style":"normal"}]},{"_key":"b1120d77cc36","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"f9d00eb06ccb","_type":"block","children":[{"_key":"770948f1871e","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"91b8b19f016f","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"8da05fe13441","_type":"block","children":[{"_key":"d516cd918ff8","_type":"span","marks":[],"text":"No"}],"markDefs":[],"style":"normal"}]},{"_key":"d2190871d889","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"412aa10449b9","_type":"block","children":[{"_key":"caafedbe4ce4","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"cde1dbf2aa3d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"b118f43f8300","_type":"block","children":[{"_key":"f1cf259d8892","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"7e8240c12f50","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"250b903f1e9f","_type":"block","children":[{"_key":"84081e0b0a9d","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"cc651389a87d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"d432f5fd8ebd","_type":"block","children":[{"_key":"eeadbb517dae","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"26230f42620a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"5411d118e3fc","_type":"block","children":[{"_key":"66f597c75b0b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8425c99a3fb0","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"9b360f7c576a","_type":"block","children":[{"_key":"d02fa067b96b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"6BD1BAC0-3F13-4DA8-A1DA-7CEFA7EAB7AC","inANutshell":["Large, secure global company ","Good investment research tools","Expensive for portfolios under £25k unless you have a regular savings plan"],"mostPopularRank":7,"noOfReviews":"1689","ourRating":"8","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"447459c4-290e-474b-b6ab-ee141dee49a6","_type":"reference"},"reviewReference":{"_ref":"6b9c10a5-2223-4a20-98fb-55323cda4a35","_type":"reference"},"showBBTable":true,"visibleReadMoreText":[{"_key":"32dea117a80d","_type":"block","children":[{"_key":"ec599991f6e0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4f8846c8bbd1","_type":"block","children":[{"_key":"c3c4443c04530","_type":"span","marks":[],"text":"Fidelity is a massive American brand which is very thorough, responsible and solid. The site is full of research and information which is clearly presented and well-executed. The charges are fair and the website is improving. They are not a sustainable specialist, more a generalist, so will appeal to those who want help to pick third-party options, not get everything from one single provider."}],"markDefs":[],"style":"normal"},{"_key":"327c509d7488","_type":"block","children":[{"_key":"b02af1efaa670","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8686b4a20453","_type":"block","children":[{"_key":"1ac98e28f0190","_type":"span","marks":[],"text":"We include them here because the research section is very helpful for customers in helping them to shortlist, research and select sustainable funds which map to their personal criteria and preferences."}],"markDefs":[],"style":"normal"}],"visibleReference":{"_ref":"431c36f8-1a74-492f-ae46-da2b8fe6894d","_type":"reference"},"wouldRecommendRating":81.64,"yourRating":"7","id":"-93b1acbe-7963-53fb-908c-862d71012ba2","children":[],"parent":null},"companyReviewPageReference":{"_id":"14ae8235-3008-4249-8207-2d1d55ae2bb4","_type":"information","_rev":"hPCw4pAzXVUCGIR74uYpuJ","_createdAt":"2022-02-04T01:06:25Z","_updatedAt":"2025-05-09T15:17:42Z","body":[{"_key":"b870a33d7976","_type":"providerHeaderWidget","company":{"_ref":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","_type":"reference"}},{"_key":"e130a79c73ac","_type":"block","children":[{"_key":"eb8678b6615b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"8c26a1876ce4","_type":"block","children":[{"_key":"a8e2ecfdd3d1","_type":"span","marks":[],"text":"We're looking to gather honest feedback about your experience with Fidelity's investment products and services. Your insights will help prospective customers make informed decisions and help us understand what's working well and what could be improved."}],"markDefs":[],"style":"normal"}],"_key":"b7da084378b0","_type":"companyReviewWidget","buttonText":"HAVE YOUR SAY","company":{"_ref":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","_type":"reference"}},{"_key":"ba605ff55a13","_type":"block","children":[{"_key":"2e4e66be1f09","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"af772f1d7ece","_type":"customerReviewsWidget","company":{"_ref":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","_type":"reference"}}],"categories":[{"_key":"f01ce01d1d91","_ref":"954f8288-7a81-4564-ab08-72c4134ab050","_type":"reference"}],"company":{"_ref":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","_type":"reference"},"excerpt":[{"_key":"ca80ff87d451","_type":"block","children":[{"_key":"a9ceaf75f717","_type":"span","marks":[],"text":"Read authentic customer reviews of Fidelity's investment products. Compare experiences with fees, returns, customer service, and platform usability to make an informed decision about whether Fidelity is the right investment provider for your financial goals."}],"markDefs":[],"style":"normal"}],"mainImage":{"_type":"mainImage","alt":"Fidelity","asset":{"_ref":"image-07e3073a64f0509d1e863e47dfd107a1668d39b6-1920x1080-png","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"a9e26f09-c5db-4066-9ca6-1f30fe25e9c1","_type":"reference"},"publishedAt":"2024-01-07T14:00:00.000Z","slug":{"_type":"slug","current":"fidelity-customer-reviews"},"subfolder":{"_ref":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"reference"},"title":"Customer Reviews for Fidelity","id":"-dfc0c01a-3d29-5f47-b632-280866548470","children":[],"parent":null}},{"_key":"abb5e3a6b428","_type":"block","children":[{"_key":"77d6d52c0336","_type":"span","marks":[],"text":""},{"_key":"aec45cf00d59","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"81afac54f7f6","_type":"span","marks":["strong"],"text":"Most asked questions"}],"markDefs":[],"style":"h2"},{"_key":"0e42d0911da7","_type":"block","children":[{"_key":"e684d3495fa1","_type":"span","marks":[],"text":""},{"_key":"3d8ee90a97a3","_type":"mainAnchor","pageAnchor":{"_ref":"d1046785-69e9-496b-ad81-606ac5827160","_type":"reference"}},{"_key":"5c3cd7aab45d","_type":"span","marks":[],"text":" Is Fidelity safe?"}],"markDefs":[],"style":"h3"},{"_key":"fd0f893377ec","_type":"block","children":[{"_key":"09082236df92","_type":"span","marks":[],"text":"Fidelity is authorised and regulated by the Financial Conduct Authority (FCA). If a fund fails due to fraud or mismanagement, you may be eligible for compensation from the "},{"_key":"08101a0dfed9","_type":"span","marks":["da9c8e311c50"],"text":"Financial Services Compensation Scheme (FSCS)"},{"_key":"b2c3d247d828","_type":"span","marks":[],"text":". The FSCS protection is capped at £85,000 per person, per fund manager (not per individual fund). However, if your investments lose value due to normal market conditions or your investment choices, this is part of the normal risk of investing and is not covered by FSCS compensation."}],"markDefs":[{"_key":"da9c8e311c50","_type":"internalLinkPick","blank":true,"reference":{"_ref":"34722af1-872b-441c-a563-4d2293999c94","_type":"reference"}}],"style":"normal"},{"_key":"14e33dcc7a42","_type":"block","children":[{"_key":"099e75c5b039","_type":"span","marks":[],"text":""},{"_key":"80844cca821b","_type":"mainAnchor","pageAnchor":{"_ref":"a1172240-67d2-4919-9be2-18c7f4bbe583","_type":"reference"}},{"_key":"0ee56f1867430","_type":"span","marks":[],"text":"Can you invest in Vanguard funds with Fidelity?"}],"markDefs":[],"style":"h3"},{"_key":"e48f19efeecb","_type":"block","children":[{"_key":"e0354fb60b060","_type":"span","marks":[],"text":"Yes, it is possible to invest in over 80 Vanguard funds on Fidelity. You can filter for these by using Fidelity’s Investment Finder "},{"_key":"ebf808d01afa","_type":"span","marks":["75c61a09b94c"],"text":"here"},{"_key":"2b0370785bf0","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"75c61a09b94c","_type":"internalLinkPick","blank":true,"reference":{"_ref":"49a1af1c-757f-48ea-8e8f-19d1bb1362ba","_type":"reference"}}],"style":"normal"},{"_key":"dcc8a2e0ca0a","_type":"block","children":[{"_key":"b02062fb0244","_type":"span","marks":[],"text":""},{"_key":"54a1a1690d78","_type":"mainAnchor","pageAnchor":{"_ref":"820962dd-5c0b-4b27-95bc-9e17c41440a4","_type":"reference"}},{"_key":"508069cad7c50","_type":"span","marks":[],"text":"Can you invest in individual shares with Fidelity?"}],"markDefs":[],"style":"h3"},{"_key":"fe8cbe52ba0d","_type":"block","children":[{"_key":"ceb53f7cf4a40","_type":"span","marks":[],"text":"Yes, you can invest in almost 2,500 UK and international shares with Fidelity. You can view the full range on the Fidelity website "},{"_key":"9d5b048503bc","_type":"span","marks":["9bc627efe599"],"text":"here"},{"_key":"b3ebbab155d7","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"9bc627efe599","_type":"internalLinkPick","blank":true,"reference":{"_ref":"788d5dbc-ae2b-498c-a293-d8211bffcfed","_type":"reference"}}],"style":"normal"},{"_key":"c65a2c8fd6de","_type":"block","children":[{"_key":"18c949439604","_type":"span","marks":[],"text":""},{"_key":"239158f1418b","_type":"mainAnchor","pageAnchor":{"_ref":"e97b4e63-6dbd-4a2e-b41c-60249c87f6a8","_type":"reference"}},{"_key":"dbd31c5fc46f0","_type":"span","marks":[],"text":"Can you invest in bonds with Fidelity?"}],"markDefs":[],"style":"h3"},{"_key":"89d3b933eed0","_type":"block","children":[{"_key":"dabbd126a0d10","_type":"span","marks":[],"text":"No, it is not possible to invest directly in bonds with Fidelity. However, many of the funds on Fidelity – its own ones and those run by other fund managers – invest in bonds, so it is still possible to get exposure to bonds as part of other investments."}],"markDefs":[],"style":"normal"},{"_key":"859c49b057cc","_type":"block","children":[{"_key":"5996f807287b","_type":"span","marks":[],"text":""},{"_key":"2ebdfa2385d6","_type":"mainAnchor","pageAnchor":{"_ref":"2b0bc83e-f74d-4d79-bde5-897aba72c9ba","_type":"reference"}},{"_key":"a018aef36b4f0","_type":"span","marks":[],"text":"Does Fidelity have an app?"}],"markDefs":[],"style":"h3"},{"_key":"72e4f115f8e4","_type":"block","children":[{"_key":"fb5b7756f8470","_type":"span","marks":[],"text":"Yes, Fidelity has an app for UK customers. You can download it on the "},{"_key":"d56a6c37870f","_type":"span","marks":["346db017aa18"],"text":"Google Play Store"},{"_key":"51c443e59d4e","_type":"span","marks":[],"text":" and "},{"_key":"b4867e4bb3c2","_type":"span","marks":["c5c1d537329c"],"text":"App Store"},{"_key":"c340818eabaa","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"346db017aa18","_type":"internalLinkPick","blank":true,"reference":{"_ref":"cca567f7-a5b1-4e7b-912f-2a80a722a28c","_type":"reference"}},{"_key":"c5c1d537329c","_type":"internalLinkPick","blank":true,"reference":{"_ref":"c896386e-0837-4a48-834a-1680f1dd710f","_type":"reference"}}],"style":"normal"},{"LeftSideText":[{"_key":"4a79ea0b378f","_type":"block","children":[{"_key":"935be8846a08","_type":"span","marks":["strong"],"text":"Visit the Fidelity website for more information"}],"markDefs":[],"style":"normal"}],"_key":"09d429e1b79f","_type":"ctaWidget","openNewTab":true,"partner":true,"reference":{"_id":"447459c4-290e-474b-b6ab-ee141dee49a6","_type":"linkCategory","_rev":"pmT7QR797Is6qDo1cgCb0R","_createdAt":"2022-02-23T10:33:10Z","_updatedAt":"2025-08-29T15:45:17Z","_system":{"base":{"id":"447459c4-290e-474b-b6ab-ee141dee49a6","rev":"KZQo3A7WcrNiYL7tGIORt9"}},"affiliateLink":true,"description":"Affiliate UTM Fidelity ISA","url":"https://www.awin1.com/cread.php?awinmid=9992&awinaffid=740625&campaign=pi_isa&ued=https%3A%2F%2Fwww.fidelity.co.uk%2Fstocks-and-shares-isa%2F","id":"-278d0cfa-b892-5b01-bdfc-53c2e47fe472","children":[],"parent":null},"text":"VISIT SITE "},{"_key":"f0d81a7b217c","_type":"block","children":[{"_key":"ee7e5d95b33f","_type":"span","marks":[],"text":""},{"_key":"027d17f55ed6","_type":"mainAnchor","pageAnchor":{"_ref":"08f91d37-f8e6-4d45-bf2f-c8d9fb950e62","_type":"reference"}},{"_key":"c031fd549b8b","_type":"span","marks":[],"text":"Glossary"}],"markDefs":[],"style":"h2"},{"LeftSideText":[{"_key":"fee6100bb3ec","_type":"block","children":[{"_key":"e8efc3d7ce4a","_type":"span","marks":["strong"],"text":"Not 100% sure you understand something we’ve written in this review? "}],"markDefs":[],"style":"normal"},{"_key":"9acb1a0520ad","_type":"block","children":[{"_key":"1b19a24ae829","_type":"span","marks":[],"text":"Discover jargon-free definitions of the most common words and technical terms used in the world of investing."}],"markDefs":[],"style":"normal"}],"_key":"e9e3c4e6a3da","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_id":"5d7b7a10-93b8-4e8e-b898-eeb81f7bb976","_type":"information","_rev":"tog0wU1YHKUDgALpAlmmZ1","_createdAt":"2023-11-13T14:54:54Z","_updatedAt":"2024-12-20T10:04:12Z","authors":[{"_key":"37f62d1292a8","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"body":[{"_key":"71d249d9d01f","_type":"block","children":[{"_key":"c44a72677fe0","_type":"span","marks":["strong"],"text":"Boring Money's glossary has been created to help you better understand the world of finance and investing. Use it to break through the jargon and learn about common financial words and technical terms that relate to your money. We hope you find it helpful and easy to understand - whether you're a beginner investor or a budding Wolf of Wall Street."}],"markDefs":[],"style":"normal"},{"_key":"0622aa4999ff","_type":"block","children":[{"_key":"ac560989e19a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"626942a663a9","_type":"mainImage","alt":"An image of an open book and a set of Scrabble letters spelling out 'glossary'","asset":{"_ref":"image-e7bb499b6f0e9736ca8cd31bd4ea6864375b3101-1920x1080-png","_type":"reference"}},{"_key":"706b03ba0de6","_type":"block","children":[{"_key":"75b8a99586c0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"565c0c44e4be","_type":"block","children":[{"_key":"36a2528cf8c5","_type":"span","marks":[],"text":"How does it work?"}],"markDefs":[],"style":"h3"},{"_key":"9d83116f0520","_type":"block","children":[{"_key":"9ca4b8af735f","_type":"span","marks":[],"text":"Scroll down to begin learning about terms starting with the letter 'A' or use the menu to the left (below on mobile) to skip to the section you're looking for."}],"markDefs":[],"style":"normal"},{"_key":"4288ba86f457","_type":"anchorMenuMobile","title":"s"},{"_key":"f5045e0032ed","_type":"block","children":[{"_key":"6f2de6882cc7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"40848fa4f9f3","_type":"block","children":[{"_key":"8d84c97822a0","_type":"span","marks":[],"text":""},{"_key":"55f89ac5b1f8","_type":"mainAnchor","pageAnchor":{"_ref":"9f33a9fe-bf26-47e6-980a-92ef56b35048","_type":"reference"}},{"_key":"6d156f2bb4ec","_type":"span","marks":[],"text":""},{"_key":"f9cdf9c18a56","_type":"mainAnchor","pageAnchor":{"_ref":"7f2fc9e3-0c19-418f-8982-8172e658c6e6","_type":"reference"}},{"_key":"f459a572abb6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a676fa7fc813","_type":"dropdownWidget","items":[{"_key":"4231c712c52f","_type":"dropdownObject","text":[{"_key":"37f2f69c7e6d","_type":"block","children":[{"_key":"323f23660f73","_type":"span","marks":[],"text":"Accumulating (Acc)"}],"markDefs":[],"style":"h4"},{"_key":"1517798f4932","_type":"block","children":[{"_key":"ca4b7e32c4fb","_type":"span","marks":[],"text":"This is a descriptor used when a fund reinvests any dividends back into the fund itself and thus accumulates over time. In other words, you do not earn an income from an Acc fund, but it may suit 'growth' investors who want to prioritise the value of their assets growing over time."}],"markDefs":[],"style":"normal"},{"_key":"06fe8c08d34c","_type":"block","children":[{"_key":"c00d44a3a0a1","_type":"span","marks":[],"text":"Actively managed"}],"markDefs":[],"style":"h4"},{"_key":"cc645aa7f11c","_type":"block","children":[{"_key":"b5216f215395","_type":"span","marks":[],"text":"An actively managed investment is run by a professional or group of professionals, usually called portfolio managers or fund managers, who make decisions about what to buy to try and outperform the market for their customers. Actively managed investments are different from passive investments."}],"markDefs":[],"style":"normal"},{"_key":"8a51ed8d3cb6","_type":"block","children":[{"_key":"2ad7da7a77c4","_type":"span","marks":[],"text":"Alpha"}],"markDefs":[],"style":"h4"},{"_key":"38ae0c3ea765","_type":"block","children":[{"_key":"b887c801ca5f0","_type":"span","marks":[],"text":"Alpha is how much better (or worse) an investment performs compared to what you'd expect it to perform, considering its risk level."}],"markDefs":[],"style":"normal"},{"_key":"036f3b595cd1","_type":"block","children":[{"_key":"e91a4879862a0","_type":"span","marks":[],"text":"Think of it like this: If you're taking on a certain amount of risk with an investment, there's a typical return you should expect. Alpha tells you if you're getting more or less than that expected return. A positive alpha means you're beating expectations, while a negative alpha means you're falling short."}],"markDefs":[],"style":"normal"},{"_key":"47ceb3d0e5b3","_type":"block","children":[{"_key":"be9cea48e946","_type":"span","marks":[],"text":"Annuity"}],"markDefs":[],"style":"h4"},{"_key":"e65b4d55194e","_type":"block","children":[{"_key":"ddbe25414f44","_type":"span","marks":[],"text":"An annuity is a product you can buy which pays out a guaranteed, regular stream of income. They are most often purchased by retirees to convert their retirement savings into annual income packages. This is an alternative to pension drawdown, where you withdraw cash from your pension at your own discretion."}],"markDefs":[],"style":"normal"},{"_key":"099e5cf58cd6","_type":"block","children":[{"_key":"2f6cb36e28fe","_type":"span","marks":[],"text":"Asset"}],"markDefs":[],"style":"h4"},{"_key":"18b4a1b002ae","_type":"block","children":[{"_key":"926ed2451b39","_type":"span","marks":[],"text":"Assets are anything you own that has monetary value. In the investing world, these are the individual things you're investing in. Common examples of assets include shares, bonds, property or cash. Asset allocation refers to how different assets are divided up as part of an investment portfolio."}],"markDefs":[],"style":"normal"},{"_key":"dab68c3b6bb7","_type":"block","children":[{"_key":"bfc283794767","_type":"span","marks":[],"text":"Asset allocation"}],"markDefs":[],"style":"h4"},{"_key":"26ce35095abc","_type":"block","children":[{"_key":"a291ba78009c","_type":"span","marks":[],"text":"Asset allocation refers to the way an investor divides their portfolio among different asset classes. For example, 70% in shares and 30% in bonds. The mix of different assets and the proportion of the overall portfolio that these they make up is a key component of managing a successful investment portfolio."}],"markDefs":[],"style":"normal"},{"_key":"9e980c7e8754","_type":"block","children":[{"_key":"ec3e78058b24","_type":"span","marks":[],"text":"Asset class"}],"markDefs":[],"style":"h4"},{"_key":"62e64c1903ce","_type":"block","children":[{"_key":"6d7fcedf18fc","_type":"span","marks":[],"text":"An asset class or asset type is a group of assets which share similar characteristics and are subject to the same rules and regulations. For example, shares, bonds, cash, foreign currency and property are all different asset classes."}],"markDefs":[],"style":"normal"},{"_key":"9dee2de9597f","_type":"block","children":[{"_key":"36fcf25cd6a6","_type":"span","marks":[],"text":"Asset manager"}],"markDefs":[],"style":"h4"},{"_key":"3ad4e7951296","_type":"block","children":[{"_key":"56b0f6520f8e","_type":"span","marks":[],"text":"An asset manager is an individual or company whose job is to create and manage investments. Asset management firms develop, manage and continually monitor investment products, such as funds, with the aim of generating growth for their investors. Examples of large asset management firms include BlackRock, Fidelity and Invesco."}],"markDefs":[],"style":"normal"},{"_key":"5ebb41045d42","_type":"block","children":[{"_key":"b2c24736f8af","_type":"span","marks":[],"text":"Ask price"}],"markDefs":[],"style":"h4"},{"_key":"f06a7b38f586","_type":"block","children":[{"_key":"d232e86c9379","_type":"span","marks":[],"text":"The ask price is the lowest price at which a seller states they are willing to sell an investment. It is often referred to in conjunction with the bid price or the bid-ask spread."}],"markDefs":[],"style":"normal"},{"_key":"d8b3a16e38e2","_type":"block","children":[{"_key":"7df1011bfe49","_type":"span","marks":[],"text":"Assets Under Management (AUM)"}],"markDefs":[],"style":"h4"},{"_key":"de3a3453aa14","_type":"block","children":[{"_key":"744a2102ea02","_type":"span","marks":[],"text":"AUM stands for Assets Under Management and refers to the total market value of the investments managed by an entity such as a fund or a bank. In other words, it shows how much money is currently in invested in it, based on today's valuations. For example, if 1,000 investors put £1 into a fund, the fund would have £1,000 AUM. If the market then went up by 10%, its AUM would rise to £1,100."}],"markDefs":[],"style":"normal"}],"title":"A"}]},{"_key":"9426e466fc01","_type":"block","children":[{"_key":"0868deee419b","_type":"span","marks":[],"text":""},{"_key":"ed0281f96ed1","_type":"mainAnchor","pageAnchor":{"_ref":"83dd3813-7e20-41a6-9d6f-2400df97ef06","_type":"reference"}},{"_key":"d7533db16edd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4f32e512718f","_type":"dropdownWidget","items":[{"_key":"1f66a423f34d","_type":"dropdownObject","text":[{"_key":"e3a91e48b13e","_type":"block","children":[{"_key":"f01613493bd3","_type":"span","marks":[],"text":"Base rate"}],"markDefs":[],"style":"h4"},{"_key":"953c008bf369","_type":"block","children":[{"_key":"fed6b9794a7f","_type":"span","marks":[],"text":"The base rate is the interest rate which central banks, such as the Bank of England, charge other banks and financial institutions for taking out a loan. It influences the interest rates charged on things like personal loans and mortgages. For example, if the base rate goes up, the interest rate on a personal loan may go up. The Bank of England website has a useful illustration of the base rate and its historic movements "},{"_key":"65073a82f5b4","_type":"span","marks":["294f87d04ee5"],"text":"here"},{"_key":"ce325060ab94","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"294f87d04ee5","_type":"internalLinkPick","reference":{"_ref":"0273c843-7730-468c-8dae-3576ce29fda7","_type":"reference"}}],"style":"normal"},{"_key":"3fe6f158a436","_type":"block","children":[{"_key":"320ee5c43f00","_type":"span","marks":[],"text":"Basis points (bps)"}],"markDefs":[],"style":"h4"},{"_key":"77392871e776","_type":"block","children":[{"_key":"76782f22eb64","_type":"span","marks":[],"text":"Basis points or bps are a unit of measurement equal to 1/100th of a percentage point. This is commonly used to express changes to interest rates or prices, such as when a investment company alters its fees. You might, for example, hear on the news that the Bank of England has increased interest rates by 25 basis points (0.25%)."}],"markDefs":[],"style":"normal"},{"_key":"0e3e99b9a0ec","_type":"block","children":[{"_key":"cd99224042b7","_type":"span","marks":[],"text":"Bear market"}],"markDefs":[],"style":"h4"},{"_key":"a5a4028a6402","_type":"block","children":[{"_key":"72714a34b9860","_type":"span","marks":[],"text":"A bear market happens when share prices are falling or are expected to fall - like during a recession (hence it is generally considered to signal tough times ahead). The broad definition of a bear market is when a large proportion of share prices fall 20% or more. The adjective \"bearish\" can be used to describe individual assets, such as shares or currency, as well as the stock market itself. It is the opposite of \"bull market\"."}],"markDefs":[],"style":"normal"},{"_key":"b650d524c736","_type":"block","children":[{"_key":"93956ba104f7","_type":"span","marks":[],"text":"Benchmark"}],"markDefs":[],"style":"h4"},{"_key":"ba5e95becc76","_type":"block","children":[{"_key":"62f8fb8400ad","_type":"span","marks":[],"text":"A benchmark is the standard against which an investment is measured in order to judge its relative performance, asset allocation or risk. It’s usually an index or fund that is used as a point of comparison for investments made up of similar assets. For example, the S&P 500 index is a common benchmark used to compare the performance of shares in large, American companies."}],"markDefs":[],"style":"normal"},{"_key":"13b261412d98","_type":"block","children":[{"_key":"0fb88dd461ff","_type":"span","marks":[],"text":"Beneficiary"}],"markDefs":[],"style":"h4"},{"_key":"039ad5b3883b","_type":"block","children":[{"_key":"0c1ab210da81","_type":"span","marks":[],"text":"A beneficiary is an individual who receives money or assets, usually as part of a deceased person's will, pension or life insurance policy. You can usually nominate your chosen beneficiary or beneficiaries, but unless specified otherwise, your spouse, civil partner and/or next of kin are typically treated as your beneficiaries by default."}],"markDefs":[],"style":"normal"},{"_key":"40e65eb9d02a","_type":"block","children":[{"_key":"49a303acc7ff","_type":"span","marks":[],"text":"Bid-ask spread"}],"markDefs":[],"style":"h4"},{"_key":"98c76c5c6e2a","_type":"block","children":[{"_key":"b02d71561f0e","_type":"span","marks":[],"text":"The bid-ask spread is the amount by which the ask price (the lowest price the seller is willing to sell at) exceeds the bid price (the highest price the buyer is willing to buy at). A low bid-ask spread is considered more desirable as it facilitates quicker and easier trades, whereas a high bid-ask spread may become an obstacle and make it more difficult to complete a trade."}],"markDefs":[],"style":"normal"},{"_key":"73b7314ce137","_type":"block","children":[{"_key":"1ffc1d9e80f2","_type":"span","marks":[],"text":"Bid price"}],"markDefs":[],"style":"h4"},{"_key":"be1f08a4cb5d","_type":"block","children":[{"_key":"2660920b7428","_type":"span","marks":[],"text":"The bid price is the highest price a buyer is willing to pay for an investment. It's often referred to in conjunction with the ask price or the bid-ask spread."}],"markDefs":[],"style":"normal"},{"_key":"ad47e8b69c37","_type":"block","children":[{"_key":"d6642431907f","_type":"span","marks":[],"text":"Bond"}],"markDefs":[],"style":"h4"},{"_key":"1086f1593163","_type":"block","children":[{"_key":"36c41fda7d6c","_type":"span","marks":[],"text":"A bond is a type of asset that represents a loan. Bonds are usually issued by a government, company or agency that wants to raise money to fund its operations. The loan is granted in exchange for a defined rate of interest, called a \"coupon\", over a set period of time. At the end of this period, the initial amount is repaid in full - on top of the accrued interest. "}],"markDefs":[],"style":"normal"},{"_key":"944ac4a5b7a8","_type":"block","children":[{"_key":"303b551b4f65","_type":"span","marks":[],"text":"Bull market"}],"markDefs":[],"style":"h4"},{"_key":"11cb1724a666","_type":"block","children":[{"_key":"fb43c016d7f7","_type":"span","marks":[],"text":"A bull market occurs when prices are rising or are expected to rise - for example, during a recovery after a recession (therefore it is often seen as a positive sign). The most widely-accepted point at which it becomes a bull market is when a large proportion of share prices rise 20% or more. Like \"bearish\", the term \"bullish\" can also be used to describe individual assets as well as the stock market."}],"markDefs":[],"style":"normal"}],"title":"B"}]},{"_key":"5ecf0c91627c","_type":"block","children":[{"_key":"64a289cbf370","_type":"span","marks":[],"text":""},{"_key":"804133d4cacc","_type":"mainAnchor","pageAnchor":{"_ref":"5527799a-6336-4789-87ba-9c1a41547057","_type":"reference"}},{"_key":"e1880a04ce67","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cbcf283a4cb8","_type":"dropdownWidget","items":[{"_key":"0379e3b9ffd2","_type":"dropdownObject","text":[{"_key":"2291889539ae","_type":"block","children":[{"_key":"1540d6ea60190","_type":"span","marks":[],"text":"Capital gains"}],"markDefs":[],"style":"h4"},{"_key":"417d58fff95b","_type":"block","children":[{"_key":"01333c1618c6","_type":"span","marks":[],"text":"A capital gain is the profit - the \"gain\" or sometimes called the \"return\" - you make if you sell an investment at a higher price than what you bought it for."}],"markDefs":[],"style":"normal"},{"_key":"14c849774176","_type":"block","children":[{"_key":"e41742f57156","_type":"span","marks":[],"text":"Capital Gains Tax (CGT)"}],"markDefs":[],"style":"h4"},{"_key":"523b87035a57","_type":"block","children":[{"_key":"b2a176e90d5e","_type":"span","marks":[],"text":"Capital Gains Tax or CGT is a tax charged on the gains you make from selling an investment. It only applies if your gains exceed the annual allowance and is calculated at different rates depending on your usual tax bracket. It does not apply if you invest through a tax-free ISA. See our full guide "},{"_key":"23f5530af69b","_type":"span","marks":["5333e4dc7c81"],"text":"here"},{"_key":"b177ec33e172","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"5333e4dc7c81","_type":"internalLinkPick","reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}}],"style":"normal"},{"_key":"e131cf527dc2","_type":"block","children":[{"_key":"568c655acceb","_type":"span","marks":[],"text":"Commodity"}],"markDefs":[],"style":"h4"},{"_key":"ffc841627173","_type":"block","children":[{"_key":"0e9764833cd0","_type":"span","marks":[],"text":"A commodity is a physical asset - usually a raw material or resource - such as wheat, gold or oil. \"Hard\" commodities refer to assets which must be mined or extracted, like gold or oil. \"Soft\" commodities are farmed or grown, such as wheat or coffee."}],"markDefs":[],"style":"normal"},{"_key":"925f76196a02","_type":"block","children":[{"_key":"df1b286ea923","_type":"span","marks":[],"text":"Compound interest"}],"markDefs":[],"style":"h4"},{"_key":"172a4d9f7b98","_type":"block","children":[{"_key":"044f75d18415","_type":"span","marks":[],"text":"Compound interest is the interest earned on savings or investments, including any earned previously. It grows exponentially and is a key advantage to starting out investing sooner rather than later - to give your investments more time, and thus more opportunity, to grow."}],"markDefs":[],"style":"normal"},{"_key":"e798e224c73a","_type":"block","children":[{"_key":"fad7af764672","_type":"span","marks":[],"text":"Consumer Price Index (CPI)"}],"markDefs":[],"style":"h4"},{"_key":"9818f8d23135","_type":"block","children":[{"_key":"f9a479008f5c","_type":"span","marks":[],"text":"The Consumer Price Index or CPI is a widely-used measure of inflation. It is used to represent the average change in prices across a range of goods and services that are typically purchased by UK households - for example, food and clothing. Core CPI excludes energy, food, alcohol and tobacco."}],"markDefs":[],"style":"normal"},{"_key":"39094b1cec8d","_type":"block","children":[{"_key":"5f7724e63ffa","_type":"span","marks":[],"text":"Copy trader"}],"markDefs":[],"style":"h4"},{"_key":"fc45fb444e81","_type":"block","children":[{"_key":"dbad6fb88be4","_type":"span","marks":[],"text":"A copy trader is someone who replicates the trades of someone else - usually, but not necessarily, an investing professional. The idea is to find an individual with a good track record and then copy their trades without having to assess or analyse anything yourself."}],"markDefs":[],"style":"normal"},{"_key":"32d73502e011","_type":"block","children":[{"_key":"6bb0057d23bf","_type":"span","marks":[],"text":"Corporate bond"}],"markDefs":[],"style":"h4"},{"_key":"671cdb804b1c","_type":"block","children":[{"_key":"bbd639400aed","_type":"span","marks":[],"text":"A corporate bond is a type of bond issued by a company. "}],"markDefs":[],"style":"normal"},{"_key":"c96a547a2bd7","_type":"block","children":[{"_key":"26b5e8c4cf51","_type":"span","marks":[],"text":"Credit rating"}],"markDefs":[],"style":"h4"},{"_key":"39869e40a5e5","_type":"block","children":[{"_key":"cb47f569539f","_type":"span","marks":[],"text":"A credit rating is a letter grade given to the issuer of a bond to indicate its \"quality\" - that is, the likelihood that the issuer will be able to keep up with their repayments and not default. The biggest bond credit rating agencies in the world are Standard & Poors, Moody's and Fitch. Credit ratings are regularly reviewed and can change at any time."}],"markDefs":[],"style":"normal"},{"_key":"da6c3c36816d","_type":"block","children":[{"_key":"e95462dc2e6a","_type":"span","marks":[],"text":"Credit reference agencies"}],"markDefs":[],"style":"h4"},{"_key":"efab9ccb32df","_type":"block","children":[{"_key":"2d8210715c17","_type":"span","marks":[],"text":"Credit reference agencies are companies which monitor and investigate an individual's personal and financial records to make a judgement on whether or not lenders should lend them money. This judgement is called a credit score. Banks and loan companies use credit reference agencies to determine if someone is essentially trustworthy or not, based on factors such as their financial stability and their history of using credit responsibly. The biggest credit reference agencies in the UK are Equifax, Experian and Transunion. You can read more about credit reference agencies and scores in our guide "},{"_key":"dca782b99c6a","_type":"span","marks":["1ecaca13bbc1"],"text":"here"},{"_key":"77150c16aa41","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"1ecaca13bbc1","_type":"internalLinkPick","reference":{"_ref":"c35a2e48-fee0-4432-9a04-c3843110c519","_type":"reference"}}],"style":"normal"},{"_key":"9e9511602cd3","_type":"block","children":[{"_key":"fdc6fb0ad574","_type":"span","marks":[],"text":"Credit score"}],"markDefs":[],"style":"h4"},{"_key":"dcbf5a620aa6","_type":"block","children":[{"_key":"fbac345cf8e0","_type":"span","marks":[],"text":"A credit score is number which represents an individual's perceived creditworthiness - that is, how trustworthy and sensible you can be when you're given credit from a lender. Having and maintaining a good credit score can mean you get access to lower interest rates when you borrow or on your mortgage. A poor credit score can mean you are refused credit, such as a loan, which in turn can drag your score down even further. You can read more about credit scores in our full guide "},{"_key":"5b94a6a2fc04","_type":"span","marks":["b92a08e0e54d"],"text":"here"},{"_key":"380456b52813","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b92a08e0e54d","_type":"internalLinkPick","reference":{"_ref":"c35a2e48-fee0-4432-9a04-c3843110c519","_type":"reference"}}],"style":"normal"},{"_key":"eab5c250ee9a","_type":"block","children":[{"_key":"feecf9f1c857","_type":"span","marks":[],"text":"Cryptocurrency"}],"markDefs":[],"style":"h4"},{"_key":"9cc75c1e390c","_type":"block","children":[{"_key":"5f051b150e01","_type":"span","marks":[],"text":"Cryptocurrency or just \"crypto\" is a type of digital or virtual currency that uses cryptography for secure and decentralised (not managed by a central bank or government) transactions. Cryptocurrencies use a technology called blockchain to record and verify transactions. They can be used to buy goods and services online, and their value can fluctuate, similar to traditional currencies. Examples of cryptocurrencies include Bitcoin and Ethereum. As they're not controlled by central banks, cryptocurrencies tend to be highly volatile so prices can fluctuate frequently and significantly."}],"markDefs":[],"style":"normal"},{"_key":"4fd6edeaec1a","_type":"block","children":[{"_key":"1518ea976f720","_type":"span","marks":[],"text":"\n"}],"markDefs":[],"style":"normal"}],"title":"C"}]},{"_key":"4b6b7fd8b07b","_type":"block","children":[{"_key":"ada48575a2af","_type":"span","marks":[],"text":""},{"_key":"6530e9c4006c","_type":"mainAnchor","pageAnchor":{"_ref":"910b05df-3708-42e8-97a7-169bace209dc","_type":"reference"}},{"_key":"7b93e7b2e8c0","_type":"span","marks":[],"text":""},{"_key":"0bf5c2186bdc","_type":"mainAnchor","pageAnchor":{"_ref":"ad8b1420-9d8d-410a-b18d-2daa20381fcc","_type":"reference"}},{"_key":"e8b1e9b70cc5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dab1c4611b0a","_type":"dropdownWidget","items":[{"_key":"56026e1440db","_type":"dropdownObject","text":[{"_key":"b1a5d07b5519","_type":"block","children":[{"_key":"80c833b2a5e6","_type":"span","marks":[],"text":"Day trading"}],"markDefs":[],"style":"h4"},{"_key":"d456dd423bbd","_type":"block","children":[{"_key":"087683ad21d9","_type":"span","marks":[],"text":"Day trading is the practice of rapidly buying and selling shares throughout the day in the hope of making a profit as a result of small price fluctuations. This is a technique used by experienced investors and involves holding investments for as little as seconds before selling them on again."}],"markDefs":[],"style":"normal"},{"_key":"ad51307e03f7","_type":"block","children":[{"_key":"66009eb60584","_type":"span","marks":[],"text":"Deflation"}],"markDefs":[],"style":"h4"},{"_key":"eaf1f5e0a1aa","_type":"block","children":[{"_key":"33a0aa1e3191","_type":"span","marks":[],"text":"Deflation is the opposite of inflation. It occurs when the average price of goods and services decreases - or, simply put, when inflation falls below 0%."}],"markDefs":[],"style":"normal"},{"_key":"b113932d8759","_type":"block","children":[{"_key":"ad06d7ffd382","_type":"span","marks":[],"text":"Derivatives"}],"markDefs":[],"style":"h4"},{"_key":"52162e92758f","_type":"block","children":[{"_key":"7319e1b21a9b0","_type":"span","marks":[],"text":"A derivative is a financial contract that derives its value from the performance of an underlying asset, such as shares, bonds, commodities, or indices. It doesn't have intrinsic value on its own but rather \"derives\" its value from the price movements of the underlying asset. Derivatives can be used for various purposes, such as hedging against risks or speculating on price movements."}],"markDefs":[],"style":"normal"},{"_key":"a394c84d991b","_type":"block","children":[{"_key":"b6049561925e","_type":"span","marks":[],"text":"Distributing (Dist)"}],"markDefs":[],"style":"h4"},{"_key":"d92275473edc","_type":"block","children":[{"_key":"b91003a2ff33","_type":"span","marks":[],"text":"This is a descriptor used when a fund pays out a dividend to its investors. It is the opposite of an Accumulation or 'Acc' fund (see definition under 'A')."}],"markDefs":[],"style":"normal"},{"_key":"539ee7d465b2","_type":"block","children":[{"_key":"65bd7ce14307","_type":"span","marks":[],"text":"Diversification"}],"markDefs":[],"style":"h4"},{"_key":"329208177bd2","_type":"block","children":[{"_key":"3b6a386c064f","_type":"span","marks":[],"text":"Diversification is the process of spreading your investment portfolio across different asset classes, such as partially in shares and partially in bonds, in order to reduce risk. In other words, you're not putting all your eggs in one basket."}],"markDefs":[],"style":"normal"},{"_key":"c96483c20943","_type":"block","children":[{"_key":"6a15f3d9e40c","_type":"span","marks":[],"text":"Dividends"}],"markDefs":[],"style":"h4"},{"_key":"81ec74a9bae8","_type":"block","children":[{"_key":"0ef8678d6d8c","_type":"span","marks":[],"text":"A dividend is like a cash bonus you get in return for investing in something. Dividends can be paid out on a monthly, biannual or annual basis and are attractive to investors who want a regular source of income from their portfolio."}],"markDefs":[],"style":"normal"},{"_key":"4c75ea0167f5","_type":"block","children":[{"_key":"a588336ef627","_type":"span","marks":[],"text":"Dividend Tax"}],"markDefs":[],"style":"h4"},{"_key":"fb9b962ffb9c","_type":"block","children":[{"_key":"505efaba78bd","_type":"span","marks":[],"text":"Dividend Tax is a type of tax you pay on any dividends you receive which exceed a certain threshold (£1,000 for the 2023-24 tax year). The rate of Dividend Tax payable depends on your usual tax bracket. The good news is that you don't need to worry about paying it if you invest through an ISA - because it's completely shielded from tax. Read more on Dividend Tax "},{"_key":"a29ca2f7f744","_type":"span","marks":["1e3e7b70b4a2"],"text":"here"},{"_key":"ffae21d9273f","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"1e3e7b70b4a2","_type":"internalLinkPick","reference":{"_ref":"57154d8d-128e-4541-9b01-04fa337e30da","_type":"reference"}}],"style":"normal"},{"_key":"9233f5698c24","_type":"block","children":[{"_key":"bd6807f9443a","_type":"span","marks":[],"text":"Dividend yield"}],"markDefs":[],"style":"h4"},{"_key":"5c22f9656b4a","_type":"block","children":[{"_key":"a40094e339e7","_type":"span","marks":[],"text":"Dividend yields are used to compare the relative value of dividends across different investments. It's calculated by dividing the annual dividend per share by the current share price. For example, if the share price of a company was £100 and the annual dividend was £3, that would mean the dividend yield was 3%. However, let's say there was another company which had a share price of £300 but its dividends were also £3 - in this case, the dividend yield would be just 1%."}],"markDefs":[],"style":"normal"},{"_key":"e422ccc71322","_type":"block","children":[{"_key":"6dd3c3622cb6","_type":"span","marks":[],"text":"Drawdown"}],"markDefs":[],"style":"h4"},{"_key":"815a577048c1","_type":"block","children":[{"_key":"0e5db08726bf","_type":"span","marks":[],"text":"Drawdown is a method of accessing your pension which involves taking out money when you want to, as opposed to in regular intervals like with an annuity. Flexi-access drawdown is a type of drawdown that gives you the flexibility to withdraw as and when you choose while leaving the rest of your pension invested. Capped drawdown is less common but involves having a maximum amount you can withdraw from your pot each year."}],"markDefs":[],"style":"normal"},{"_key":"1a86b1810957","_type":"block","children":[{"_key":"90b1dd69c087","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"D"}]},{"_key":"8bffcbc2afc5","_type":"block","children":[{"_key":"ca78c9cc03f5","_type":"span","marks":[],"text":""},{"_key":"72158018629f","_type":"mainAnchor","pageAnchor":{"_ref":"8b17cc79-4360-4530-9922-0aad8843a36b","_type":"reference"}},{"_key":"243c743ccb0c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"abd9c07924b7","_type":"dropdownWidget","items":[{"_key":"ebb83dae0d6d","_type":"dropdownObject","text":[{"_key":"b8d8ae1df1a4","_type":"block","children":[{"_key":"b7f8f0496ec7","_type":"span","marks":[],"text":"Emerging market"}],"markDefs":[],"style":"h4"},{"_key":"988036eac608","_type":"block","children":[{"_key":"e6ce0d5aff4c","_type":"span","marks":[],"text":"An emerging market is a country with an economy considered to be at an earlier stage of development than a more established country - e.g. India compared to the USA. Emerging market investments are usually considered to carry more risk, often because there is less information about them or less strong regulation in the economy they're based in."}],"markDefs":[],"style":"normal"},{"_key":"0bf72b93a6b3","_type":"block","children":[{"_key":"f281244e9629","_type":"span","marks":[],"text":"Equities"}],"markDefs":[],"style":"h4"},{"_key":"f82c7aff08b0","_type":"block","children":[{"_key":"92f7cd20a2bb","_type":"span","marks":[],"text":"Equities are another word for shares or stocks. They are small slices of a company which you can own and buy or sell on the stock market."}],"markDefs":[],"style":"normal"},{"_key":"141ae14822b1","_type":"block","children":[{"_key":"296f517ba03e","_type":"span","marks":[],"text":"ESG"}],"markDefs":[],"style":"h4"},{"_key":"f5d2b8a0a21b","_type":"block","children":[{"_key":"f5fee22e6598","_type":"span","marks":[],"text":"An acronym for Environmental, Social and Governance, ESG is a broad set of metrics often used to measure the perceived sustainability of an investment. ESG is increasingly popular as a method of assessing the environmental and social impact of investments, particularly for investors looking for \"green\" or \"impact\" investments - essentially, investments that claim to do some good for the world."}],"markDefs":[],"style":"normal"},{"_key":"b4065cf8967d","_type":"block","children":[{"_key":"ab1394a07929","_type":"span","marks":[],"text":"Exchange-Traded Fund (ETF)"}],"markDefs":[],"style":"h4"},{"_key":"c181cc772c9c","_type":"block","children":[{"_key":"ca38451ec42a","_type":"span","marks":[],"text":"An Exchange Traded Fund or ETF is a type of fund made up of a number of assets which can be bought and sold on the stock market, in the same way as you would with individual shares. ETFs can invest in lots of different asset classes. Think of them like an investment \"playlist\" - an easy way to access a collection of things. Read our full guide "},{"_key":"23158402d5f1","_type":"span","marks":["56ae5a394317"],"text":"here"},{"_key":"c394c37cb220","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"56ae5a394317","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}}],"style":"normal"},{"_key":"c78dc6d2781c","_type":"block","children":[{"_key":"74dc5e3de049","_type":"span","marks":[],"text":"Exchange-Traded Commodity (ETC)"}],"markDefs":[],"style":"h4"},{"_key":"7aebfd8a61b3","_type":"block","children":[{"_key":"26e6ff37c6ef","_type":"span","marks":[],"text":"Exchange-Traded Commodities or ETCs are traded on the stock market, like individual shares, but track the price of a commodity or commodity index. They allow investors to gain exposure to commodities without buying the commodity itself (e.g. bars of real gold). ETCs have a share price which moves up and down as the price of the underlying commodity fluctuates in value. ETC can also sometimes refer to a commodity-focused ETF."}],"markDefs":[],"style":"normal"},{"_key":"9328c8205f0d","_type":"block","children":[{"_key":"1aac8935be460","_type":"span","marks":[],"text":"Exchange rate"}],"markDefs":[],"style":"h4"},{"_key":"d1c75783bf6e","_type":"block","children":[{"_key":"d561f1a357bb","_type":"span","marks":[],"text":"The exchange rate is the value of one country’s currency compared to that of another country. For example, if the exchange rate for US dollars to Euros was 1.5, you would receive 1.5 US dollars for every 1 Euro. "}],"markDefs":[],"style":"normal"},{"_key":"1f9566e93f88","_type":"block","children":[{"_key":"fbc41b219e1c","_type":"span","marks":[],"text":"Exposure"}],"markDefs":[],"style":"h4"},{"_key":"89bdc66ae746","_type":"block","children":[{"_key":"c82ac913472f","_type":"span","marks":[],"text":"Exposure is the proportion of an fund or portfolio invested in a sector, asset class or region, usually expressed as a percentage of the overall portfolio. For example, a fund with 75% exposure to China would have 75% of its assets invested in products related to or in China."}],"markDefs":[],"style":"normal"}],"title":"E"}]},{"_key":"ed105803ac21","_type":"block","children":[{"_key":"50ef4379faf6","_type":"span","marks":[],"text":""},{"_key":"1a9a9d6c5bbe","_type":"mainAnchor","pageAnchor":{"_ref":"cab87a53-d248-4bca-9027-95cde5f09dee","_type":"reference"}},{"_key":"7e9d5954b399","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7d4031f100e7","_type":"dropdownWidget","items":[{"_key":"20f49d4cdd10","_type":"dropdownObject","text":[{"_key":"5664818f4188","_type":"block","children":[{"_key":"0df3cd7dfc07","_type":"span","marks":[],"text":"Fiscal year"}],"markDefs":[],"style":"h4"},{"_key":"9eae0a83b473","_type":"block","children":[{"_key":"f0351ceb38b0","_type":"span","marks":[],"text":"A fiscal, financial or tax year is a 12-month period identified for accounting, auditing and budgeting purposes which differs from the normal 1 January - 31 December calendar year. For example, the UK government's fiscal year is from 6 April - 5 April. "}],"markDefs":[],"style":"normal"},{"_key":"c251759cf163","_type":"block","children":[{"_key":"b592f9d4e61e","_type":"span","marks":[],"text":"Fixed income"}],"markDefs":[],"style":"h4"},{"_key":"4603ba5063b2","_type":"block","children":[{"_key":"c88a1d384089","_type":"span","marks":[],"text":"Fixed income is the name given to an asset class which pays investors a regular source of income - for example, from bonds. Fixed income investments do not fluctuate, like dividends can, nor do they move in line with inflation."}],"markDefs":[],"style":"normal"},{"_key":"b6c17a01b889","_type":"block","children":[{"_key":"30ce13d2bc02","_type":"span","marks":[],"text":"Fractional shares"}],"markDefs":[],"style":"h4"},{"_key":"c206a008777a","_type":"block","children":[{"_key":"66d9c403be94","_type":"span","marks":[],"text":"A fractional share is a part of a whole share - for example, 0.25% of a share. Investors can opt to buy fractional shares if they want to invest a small amount in a share which is typically very expensive, such as with large companies like Amazon, Disney or Tesla. Fractional shares are helpful for investors who have a small portfolio or who are interested in buying a bit of a share but don’t want to commit to a whole one. "}],"markDefs":[],"style":"normal"},{"_key":"3c1b6f6a265d","_type":"block","children":[{"_key":"e2a5dbfa0079","_type":"span","marks":[],"text":"FTSE 100"}],"markDefs":[],"style":"h4"},{"_key":"83a1e4f7280a","_type":"block","children":[{"_key":"928b7f581ee4","_type":"span","marks":[],"text":"The FTSE 100, also called “Footsie”, is the name for the share index made up of the largest 100 companies by market capitalisation (total value of all shares) listed on the London Stock Exchange. It's commonly referred to when discussing the health and performance of the UK stock market."}],"markDefs":[],"style":"normal"},{"_key":"aebd66e5eab7","_type":"block","children":[{"_key":"6e11e5e98417","_type":"span","marks":[],"text":"FTSE 250"}],"markDefs":[],"style":"h4"},{"_key":"4ebc58be4858","_type":"block","children":[{"_key":"abfcaa7a8e4f","_type":"span","marks":[],"text":"The FTSE 250 is similar to the FTSE 100 and includes the largest companies on the London Stock Exchange by market capitalisation excluding the initial 100 largest from the FTSE 100. In other words, it's the 101st to the 350th largest companies on the London Stock Exchange. It is sometimes referred to when discussing the health and performance of the UK stock market."}],"markDefs":[],"style":"normal"},{"_key":"a61fd75f86d2","_type":"block","children":[{"_key":"1deb3cead9d3","_type":"span","marks":[],"text":"Fund"}],"markDefs":[],"style":"h4"},{"_key":"ed96baee948b","_type":"block","children":[{"_key":"d256c967f761","_type":"span","marks":[],"text":"A fund is a basket of investments managed for you by an expert. They typically have around 30-60 \"underlying\" investments in them and are a popular way of diversifying a portfolio and reducing risk. Read more about them in our full funds guide "},{"_key":"185086759adc","_type":"span","marks":["2d81e5eb8cb6"],"text":"here"},{"_key":"db38040a3500","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"2d81e5eb8cb6","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"57ec357674d5","_type":"block","children":[{"_key":"8b8400587495","_type":"span","marks":[],"text":"Fund manager"}],"markDefs":[],"style":"h4"},{"_key":"86e7deecf23f","_type":"block","children":[{"_key":"5b30f54e2f13","_type":"span","marks":[],"text":"A fund manager is an investment expert who is responsible for selecting and managing investments in a fund - or other investment products like investment trusts. They use their expertise to choose what to invest in and how to allocate it within the fund, as well as continually monitoring its performance to ensure it's generating growth for people investing in the fund."}],"markDefs":[],"style":"normal"}],"title":"F"}]},{"_key":"a38be3906eba","_type":"block","children":[{"_key":"df73d5b250eb","_type":"span","marks":[],"text":""},{"_key":"d0d71013b017","_type":"mainAnchor","pageAnchor":{"_ref":"4dd5ed17-59a0-4efb-8aec-67bb1d468820","_type":"reference"}},{"_key":"dba74f74a053","_type":"span","marks":[],"text":""},{"_key":"f77eb085a57c","_type":"mainAnchor","pageAnchor":{"_ref":"6f3e6a5c-8e66-4e76-9f23-89790f2ec8fd","_type":"reference"}},{"_key":"cbccf6bff950","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"fed58419d382","_type":"dropdownWidget","items":[{"_key":"067bd570d104","_type":"dropdownObject","text":[{"_key":"6cd8b64d9dd0","_type":"block","children":[{"_key":"7b0f7efc9ec8","_type":"span","marks":[],"text":"Gearing"}],"markDefs":[],"style":"h4"},{"_key":"0aad4cd1ead8","_type":"block","children":[{"_key":"e9ca1b55a71c","_type":"span","marks":[],"text":"Gearing is the act of borrowing money to fund a company's operations. It is sometimes used by investment trusts and can be expressed as a ratio, where the cost of the borrowed amount is compared to the overall value of the company - this is called the gearing ratio. Gearing is sometimes also called 'leveraging'."}],"markDefs":[],"style":"normal"},{"_key":"fec26648522d","_type":"block","children":[{"_key":"e07c16215398","_type":"span","marks":[],"text":"Gilt (government bond)"}],"markDefs":[],"style":"h4"},{"_key":"1085e39664c6","_type":"block","children":[{"_key":"17826c245155","_type":"span","marks":[],"text":"A gilt is a fixed income bond issued by the UK government. They are so named because, historically, the paper certificates used to issue these bonds had a gilt - gilded - edge. The government issues gilts in order to fund public spending."}],"markDefs":[],"style":"normal"},{"_key":"46bebfa029e5","_type":"block","children":[{"_key":"7ff4a2ce0db4","_type":"span","marks":[],"text":"Greenwashing"}],"markDefs":[],"style":"h4"},{"_key":"4e2e0b5f3ecb","_type":"block","children":[{"_key":"8efee328814d","_type":"span","marks":[],"text":"Greenwashing is the term used to describe when a company makes false claims or misleads investors about its sustainability credentials. This applies even if it has done so unknowingly. It's a common cause for concern among investors who want to invest in ESG-compliant investments."}],"markDefs":[],"style":"normal"},{"_key":"4225c50960dd","_type":"block","children":[{"_key":"e380cad18998","_type":"span","marks":[],"text":"Growth investing"}],"markDefs":[],"style":"h4"},{"_key":"bca8ea33f463","_type":"block","children":[{"_key":"bf04da473a05","_type":"span","marks":[],"text":"Growth investing refers to the strategy of investing in assets which have the potential to generate above-average gains. This can, for example, include a fund which reinvests a large proportion of its profits in order to drive future growth. It's the opposite to income investing, which uses surplus cash to pay out dividends."}],"markDefs":[],"style":"normal"},{"_key":"ab4cd12170b2","_type":"block","children":[{"_key":"99d86f941161","_type":"span","marks":[],"text":"Growth stock"}],"markDefs":[],"style":"h4"},{"_key":"c714fdf9f17e","_type":"block","children":[{"_key":"d5446942c070","_type":"span","marks":[],"text":"A growth stock refers to a company which is experiencing rapid uptick in earnings and opts to reinvest this extra cash to fund its operations - rather than paying out dividends as an income stock would."}],"markDefs":[],"style":"normal"}],"title":"G"}]},{"_key":"efe4b5c66777","_type":"block","children":[{"_key":"08dc4bfb0f7e","_type":"span","marks":[],"text":""},{"_key":"e52ff3511982","_type":"mainAnchor","pageAnchor":{"_ref":"df2f7fcf-4fe3-4664-9977-c954f802f13d","_type":"reference"}},{"_key":"5c9ed34b0f18","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"66908fc6374d","_type":"dropdownWidget","items":[{"_key":"79d562cabe76","_type":"dropdownObject","text":[{"_key":"975541be040b","_type":"block","children":[{"_key":"c9ef85d94cd8","_type":"span","marks":[],"text":"Hedging"}],"markDefs":[],"style":"h4"},{"_key":"470d8f128595","_type":"block","children":[{"_key":"9b0c2ceceab5","_type":"span","marks":[],"text":"Hedging is an investment strategy which aims to protect against risk or financial loss from adverse price movements. It's essentially a form of offsetting that enables you to make a profit if an investment performs badly. A fund manager may hedge against risk, for example, by using a derivative contract to agree to a sale if the share price of an investment within the fund falls to a certain level - therefore meaning it can make a profit and reduce the risk of making a loss even if the share performs badly."}],"markDefs":[],"style":"normal"},{"_key":"27a4353dd749","_type":"block","children":[{"_key":"287094c04726","_type":"span","marks":[],"text":"High yield bond"}],"markDefs":[],"style":"h4"},{"_key":"f74cf0b8ecec","_type":"block","children":[{"_key":"2cfecd2a4ae6","_type":"span","marks":[],"text":"A high yield bond is a bond which is determined to have a higher risk of default compared to other bonds. They have a higher yield because investors often get higher coupon payments to compensate for taking on the additional risk."}],"markDefs":[],"style":"normal"}],"title":"H"}]},{"_key":"a2c14b4d1f30","_type":"block","children":[{"_key":"3144b903f287","_type":"span","marks":[],"text":""},{"_key":"860bf5506d22","_type":"mainAnchor","pageAnchor":{"_ref":"f97dc4ff-9cfa-4091-b02e-c065be46f1b5","_type":"reference"}},{"_key":"9bc735e6eb57","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"248bd759e557","_type":"dropdownWidget","items":[{"_key":"e5eaf1887dff","_type":"dropdownObject","text":[{"_key":"2d333eddd833","_type":"block","children":[{"_key":"b1749eb0761f","_type":"span","marks":[],"text":"Income Tax (IT)"}],"markDefs":[],"style":"h4"},{"_key":"77ee275092a4","_type":"block","children":[{"_key":"2f479a2f031c","_type":"span","marks":[],"text":"Income Tax is a type of tax charged by the UK government if your earnings exceed a certain threshold, called the Personal Savings Allowance. For the 2023-24 tax year, this is £12,570. Any amount over this is charged at different rates depending on your annual income. Read more in our full guide "},{"_key":"4d881cce70a2","_type":"span","marks":["068e2dda84aa"],"text":"here"},{"_key":"7812776a362f","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"068e2dda84aa","_type":"internalLinkPick","reference":{"_ref":"cfbae5f9-09e2-4ebd-b540-7b2843cb6161","_type":"reference"}}],"style":"normal"},{"_key":"d3c7bdd014f8","_type":"block","children":[{"_key":"eed5052c132c","_type":"span","marks":[],"text":"Index"}],"markDefs":[],"style":"h4"},{"_key":"4db8ce18ac77","_type":"block","children":[{"_key":"2c6d681ade62","_type":"span","marks":[],"text":"An index is a basket of assets or securities designed to represent a particular stock market or part of a stock market. For example, the FTSE 100 is an index which is representative of the 100 largest companies listed on the London Stock Exchange by market capitalisation. Indices track the performance of the market they represent and so are often used as a benchmark for investors or fund managers to understand how well a particular investment is performing compared to similar investments or the market as a whole."}],"markDefs":[],"style":"normal"},{"_key":"8885aabb4a2b","_type":"block","children":[{"_key":"e25cd2fc2769","_type":"span","marks":[],"text":"Inflation"}],"markDefs":[],"style":"h4"},{"_key":"c08357cb77c4","_type":"block","children":[{"_key":"ea5ede0bf96b","_type":"span","marks":[],"text":"Inflation is the term used to describe how quickly the prices of goods and services is rising over a period of time. In periods of high inflation, prices are increasingly rapidly, whereas low inflation means prices are increasing by only a small amount. It's the opposite of deflation. The Bank of England aims to keep inflation at 2% for a healthy economy, so it sets its base rate and other monetary policy decisions based on how far above or below this target inflation currently is."}],"markDefs":[],"style":"normal"},{"_key":"d381c45c6d9b","_type":"block","children":[{"_key":"f39fee032df9","_type":"span","marks":[],"text":"Interest rate"}],"markDefs":[],"style":"h4"},{"_key":"1ac9f2971c96","_type":"block","children":[{"_key":"3509e08aabfa","_type":"span","marks":[],"text":"An interest rate is the amount that a lender charges someone for taking out a loan or a mortgage. It's calculated as a percentage of the amount borrowed - for example, 3%. The Bank of England's base rate, for instance, is an example of an interest rate. The coupon on a bond is also a type of interest rate."}],"markDefs":[],"style":"normal"},{"_key":"3ba353732f43","_type":"block","children":[{"_key":"3c17990e112c","_type":"span","marks":[],"text":"Investment trust"}],"markDefs":[],"style":"h4"},{"_key":"b3dc1b4845e0","_type":"block","children":[{"_key":"5a24a2cfbba3","_type":"span","marks":[],"text":"An investment trust is a public limited company (PLC) traded on the London Stock Exchange, which invests in other companies to generate profit for its shareholders. All investor's money is bundled together and a fund manager invests it on their behalf. Investment trusts typically pay out dividends and so are a popular choice for income investors. Read our full guide "},{"_key":"cc2f090e09ea","_type":"span","marks":["383bf7817ba9"],"text":"here"},{"_key":"5d5d755a170e","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"383bf7817ba9","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}}],"style":"normal"},{"_key":"4fa89845e8d0","_type":"block","children":[{"_key":"61d4cfb50a88","_type":"span","marks":[],"text":"Initial Public Offering (IPO)"}],"markDefs":[],"style":"h4"},{"_key":"a1818c39ce07","_type":"block","children":[{"_key":"424dc562f873","_type":"span","marks":[],"text":"An Initial Public Offering or IPO refers to when shares in a private company are listed on a stock exchange and made available for investors to purchase for the first time."}],"markDefs":[],"style":"normal"},{"_key":"263f1124a9e6","_type":"block","children":[{"_key":"573f265dd153","_type":"span","marks":[],"text":"Individual Savings Account (ISA)"}],"markDefs":[],"style":"h4"},{"_key":"a3ee673f1775","_type":"block","children":[{"_key":"f4c71ff62c91","_type":"span","marks":[],"text":"ISA stands for Individual Savings Account. They're a type of tax-free savings or investment account which allow you to put away up to £20,000 every tax year without paying taxes such as CGT. There are four main types - Cash ISAs, Stocks & Shares ISAs, Junior ISAs and Lifetime ISAs. All except Cash ISAs - which are similar to regular cash savings accounts - can be used to invest tax-free in things like shares, funds, ETFs, investment trusts and more. Read more about ISAs in our Hub "},{"_key":"50f239086d72","_type":"span","marks":["cf52470d43da"],"text":"here"},{"_key":"5ec68cfd8c33","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"cf52470d43da","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"}],"title":"I"}]},{"_key":"38cf60c39e5c","_type":"block","children":[{"_key":"36a4905c90b8","_type":"span","marks":[],"text":""},{"_key":"afd6088c37c8","_type":"mainAnchor","pageAnchor":{"_ref":"3ffb6f95-f4a1-4ab1-b55f-4975ad5dfa04","_type":"reference"}},{"_key":"766f6ab54c20","_type":"span","marks":[],"text":""},{"_key":"455a6fe14ad1","_type":"mainAnchor","pageAnchor":{"_ref":"a80555e9-52ee-4d97-8467-763d0fdb68cc","_type":"reference"}},{"_key":"d9ce0677a222","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"33745d26d38f","_type":"dropdownWidget","items":[{"_key":"e5eaf1887dff","_type":"dropdownObject","text":[{"_key":"a1818c39ce07","_type":"block","children":[{"_key":"424dc562f873","_type":"span","marks":[],"text":"Junk bond"}],"markDefs":[],"style":"h4"},{"_key":"3179da5685aa","_type":"block","children":[{"_key":"f482fd552172","_type":"span","marks":[],"text":"A junk bond is a bond which has been rated as high risk by a credit rating agency and is considered likely to default. Investors will typically be compensated for this risk with an exceptionally high interest rate (coupon)."}],"markDefs":[],"style":"normal"}],"title":"J"}]},{"_key":"845b4495fe5e","_type":"block","children":[{"_key":"e918eaa99fcf","_type":"span","marks":[],"text":""},{"_key":"88dad60a0e44","_type":"mainAnchor","pageAnchor":{"_ref":"7dd8d550-67ca-479f-a2f4-5eb12116edf4","_type":"reference"}},{"_key":"fc95971974fe","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"92c4ee07471c","_type":"dropdownWidget","items":[{"_key":"e5eaf1887dff","_type":"dropdownObject","text":[{"_key":"ef73594d62a3","_type":"block","children":[{"_key":"0f2e053674420","_type":"span","marks":[],"text":"Key Investor Information Document (KIID)"}],"markDefs":[],"style":"h4"},{"_key":"58222af8df35","_type":"block","children":[{"_key":"c0f1ff81c951","_type":"span","marks":[],"text":"A Key Investor Information Document or KIID is a document that provides information about an investment for prospective or current investors. It typically includes a breakdown of the assets it invests in, their allocation, fees, the name of the fund manager(s) and the investment objective. It's viewable at any stage but is an important read "},{"_key":"6ecacd3be809","_type":"span","marks":["em"],"text":"before "},{"_key":"9bbfd65e563d","_type":"span","marks":[],"text":"you invest in something so that you know what you are putting your money into. It's usually easily accessible by searching for the name of your chosen investment on the website or app of the company you are investing with."}],"markDefs":[],"style":"normal"}],"title":"K"}]},{"_key":"657dcb2c3f2a","_type":"block","children":[{"_key":"f08a5f0420b7","_type":"span","marks":[],"text":""},{"_key":"d73d6b4284be","_type":"mainAnchor","pageAnchor":{"_ref":"9221bc6d-b95e-4326-a33d-b0ca5a593eba","_type":"reference"}},{"_key":"131963511914","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"bda1f73df5d7","_type":"dropdownWidget","items":[{"_key":"e5eaf1887dff","_type":"dropdownObject","text":[{"_key":"4e3a21c96b6d","_type":"block","children":[{"_key":"1be44d434b68","_type":"span","marks":[],"text":"Leverage"}],"markDefs":[],"style":"h4"},{"_key":"519b21b7e837","_type":"block","children":[{"_key":"4746bec3ef83","_type":"span","marks":[],"text":"Leveraging is an alternative word for 'gearing'."}],"markDefs":[],"style":"normal"},{"_key":"3983861b1d07","_type":"block","children":[{"_key":"e5652c29bbe6","_type":"span","marks":[],"text":"Limit order"}],"markDefs":[],"style":"h4"},{"_key":"8701e19ad267","_type":"block","children":[{"_key":"b98958c9ca26","_type":"span","marks":[],"text":"A limit order is an order to buy or sell a share automatically once it reaches a specified price or better. It's something fund managers can employ to help generate profit or individual investors can do so on some platforms which enable it (not all do)."}],"markDefs":[],"style":"normal"},{"_key":"18fc728d9677","_type":"block","children":[{"_key":"478427b97663","_type":"span","marks":[],"text":"Liquidity"}],"markDefs":[],"style":"h4"},{"_key":"1ea2486d8b14","_type":"block","children":[{"_key":"9a1d1356fb22","_type":"span","marks":[],"text":"Liquidity refers to how quick and easy it is to convert an investment into cash without losing significant value in the process. In other words, it's about how easy it is to sell and how long it takes to get your money in return. Liquidity can also be used to measure the health of a company's finances - the more liquid its assets or investments are, the more flexible it can afford to be and therefore more resilient than a company with poor liquidity."}],"markDefs":[],"style":"normal"},{"_key":"b9350efded58","_type":"block","children":[{"_key":"bfc2a26373ae","_type":"span","marks":[],"text":"Listed securities"}],"markDefs":[],"style":"h4"},{"_key":"c9a53844b863","_type":"block","children":[{"_key":"cc14106a9a10","_type":"span","marks":[],"text":"A listed security is an asset which is traded on an exchange, such as the London Stock Exchange. For example, shares, ETFs and bonds can all be listed securities."}],"markDefs":[],"style":"normal"},{"_key":"7d14cae778dc","_type":"block","children":[{"_key":"b7cee361494a","_type":"span","marks":[],"text":"Long strategy"}],"markDefs":[],"style":"h4"},{"_key":"ac864bbc3e10","_type":"block","children":[{"_key":"76d2c280218b","_type":"span","marks":[],"text":"A long investing strategy is one where you buy or hold a share that you expect to increase in value over time."}],"markDefs":[],"style":"normal"},{"_key":"1c156dcf2afd","_type":"block","children":[{"_key":"ca839ac132c0","_type":"span","marks":[],"text":"London Stock Exchange (LSE)"}],"markDefs":[],"style":"h4"},{"_key":"f94be5934444","_type":"block","children":[{"_key":"699531d03250","_type":"span","marks":[],"text":"The London Stock Exchange or LSE is the name of the stock market based in the City of London. The total market value of all companies trading on the LSE was recently recorded in excess of $3 trillion."}],"markDefs":[],"style":"normal"}],"title":"L"}]},{"_key":"2c366fb22cfb","_type":"block","children":[{"_key":"723d3a965d89","_type":"span","marks":[],"text":""},{"_key":"1441dc28cf65","_type":"mainAnchor","pageAnchor":{"_ref":"1ef26854-847c-4fe8-8663-9e0df4a542ab","_type":"reference"}},{"_key":"b7981b90a810","_type":"span","marks":[],"text":""},{"_key":"5562b1fe76f7","_type":"mainAnchor","pageAnchor":{"_ref":"6fdfe7bf-bcfb-4adf-ae00-ea109c3413c4","_type":"reference"}},{"_key":"d4d6978d0214","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"478574fffdb3","_type":"dropdownWidget","items":[{"_key":"33953498fce6","_type":"dropdownObject","text":[{"_key":"b388d8b16819","_type":"block","children":[{"_key":"d7e14e0935d7","_type":"span","marks":[],"text":"Macroeconomic"}],"markDefs":[],"style":"h4"},{"_key":"7ca742d51c29","_type":"block","children":[{"_key":"7f130b550681","_type":"span","marks":[],"text":"Macroeconomic is a term used to describe economic activity happening on a global or multi-national scale. For example, a global recession would be a macroeconomic event, or a war might be a negative factor impacting macroeconomic mood or sentiment."}],"markDefs":[],"style":"normal"},{"_key":"2df190296414","_type":"block","children":[{"_key":"83ea1686bd3e","_type":"span","marks":[],"text":"Management fee"}],"markDefs":[],"style":"h4"},{"_key":"792946341248","_type":"block","children":[{"_key":"f2533590579d","_type":"span","marks":[],"text":"A management fee is a charge that you pay to an investment manager for their services. This is usually shown as a percentage, for example 1%, of the total amount invested per year."}],"markDefs":[],"style":"normal"},{"_key":"45b1ed7e6156","_type":"block","children":[{"_key":"93398a631bc2","_type":"span","marks":[],"text":"Market capitalisation"}],"markDefs":[],"style":"h4"},{"_key":"0a712d8d376c","_type":"block","children":[{"_key":"6e812ceac4cd","_type":"span","marks":[],"text":"Often shortened to \"market cap\", market capitalisation is a commonly used measure of the size of a company or fund. It's calculated by adding together the total value of all shares."}],"markDefs":[],"style":"normal"},{"_key":"2cb3c13d6ad1","_type":"block","children":[{"_key":"c90b9c5791d0","_type":"span","marks":[],"text":"Market sentiment"}],"markDefs":[],"style":"h4"},{"_key":"39c76d0167dd","_type":"block","children":[{"_key":"e41d7dc31774","_type":"span","marks":[],"text":"Market sentiment is the overall mood or attitude of investors, either to individual shares and investments or to the stock market as a whole."}],"markDefs":[],"style":"normal"},{"_key":"bba60fd76383","_type":"block","children":[{"_key":"8238d1b1c455","_type":"span","marks":[],"text":"Market share"}],"markDefs":[],"style":"h4"},{"_key":"ccdb2eb6e214","_type":"block","children":[{"_key":"a58cdfe7fbe6","_type":"span","marks":[],"text":"The market share is the proportion of a stock market or sector which a particular company makes up."}],"markDefs":[],"style":"normal"},{"_key":"4442589e6e18","_type":"block","children":[{"_key":"a08996209933","_type":"span","marks":[],"text":"Maturity"}],"markDefs":[],"style":"h4"},{"_key":"bc3b954c3d01","_type":"block","children":[{"_key":"3e6025508fb2","_type":"span","marks":[],"text":"Maturity is the date at which the agreed term on a bond comes to an end. This is the point at which the underlying loan will be repaid in full."}],"markDefs":[],"style":"normal"},{"_key":"002b7f68821d","_type":"block","children":[{"_key":"20361c1003df","_type":"span","marks":[],"text":"Momentum"}],"markDefs":[],"style":"h4"},{"_key":"c70bc1b92988","_type":"block","children":[{"_key":"b4e74e61f90d","_type":"span","marks":[],"text":"The momentum of an asset or fund refers to the concept that recent good performance is likely to continue. The investment is \"on a roll\", you might say."}],"markDefs":[],"style":"normal"},{"_key":"22c73c966298","_type":"block","children":[{"_key":"e843af1b1716","_type":"span","marks":[],"text":"Monetary policy "}],"markDefs":[],"style":"h4"},{"_key":"818fa1d36a64","_type":"block","children":[{"_key":"e4aea265b1b5","_type":"span","marks":[],"text":"Monetary policy is a series of actions employed by central banks (such as the Bank of England) or governments (such as the UK government) to exert control over the economy. It can be used to regulate how much money is in the economy and how much it costs to borrow money. An example of a monetary policy decision would be the Bank of England raising its base rate to try to stem rising inflation."}],"markDefs":[],"style":"normal"},{"_key":"5565a4d45dd9","_type":"block","children":[{"_key":"d5cea1aa132a","_type":"span","marks":[],"text":"Money market funds"}],"markDefs":[],"style":"h4"},{"_key":"0b4aec6b0bf2","_type":"block","children":[{"_key":"4c3d900a16af","_type":"span","marks":[],"text":"Money market funds are a type of fund which invest in large volumes of highly liquid, short-term debt products - such as cash or high quality bonds like UK gilts or US Treasuries near maturity. They're designed to be a very low risk type of investment, sometimes touted as an alternative to cash."}],"markDefs":[],"style":"normal"},{"_key":"3e5615ba575e","_type":"block","children":[{"_key":"04f4b86b8717","_type":"span","marks":[],"text":"Multi-asset"}],"markDefs":[],"style":"h4"},{"_key":"6aab3889586d","_type":"block","children":[{"_key":"96dd38378804","_type":"span","marks":[],"text":"Multi-asset is a term used to describe funds or portfolios that contain more than one type of asset class - e.g. shares and property - and are frequently used by investors who want to diversify and gain exposure to multiple types of asset. Read more about multi-asset funds "},{"_key":"fb1934042293","_type":"span","marks":["ab077e0d20bb"],"text":"here"},{"_key":"71de9a53d549","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"ab077e0d20bb","_type":"internalLinkPick","reference":{"_ref":"06e8a05d-c0c4-478d-9a16-85fa2de6405d","_type":"reference"}}],"style":"normal"}],"title":"M"}]},{"_key":"96de9e504ae4","_type":"block","children":[{"_key":"5a1b3b08899b","_type":"span","marks":[],"text":""},{"_key":"591abdef47f2","_type":"mainAnchor","pageAnchor":{"_ref":"c35f31a9-59dc-443b-bf1a-fd432a7e0885","_type":"reference"}},{"_key":"7d94bffffca6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b1204c604b2b","_type":"dropdownWidget","items":[{"_key":"33953498fce6","_type":"dropdownObject","text":[{"_key":"e3e95a97c66d","_type":"block","children":[{"_key":"d31dc2e613bf","_type":"span","marks":["strong"],"text":"NASDAQ"}],"markDefs":[],"style":"h4"},{"_key":"f8d326421ee6","_type":"block","children":[{"_key":"598cc9ca2df9","_type":"span","marks":[],"text":"An American stock exchange primarily known for technology and growth companies."}],"markDefs":[],"style":"normal"},{"_key":"872a165cbddf","_type":"block","children":[{"_key":"30f8e030c9ed","_type":"span","marks":[],"text":"National Insurance (NI)"}],"markDefs":[],"style":"h4"},{"_key":"260be9c83141","_type":"block","children":[{"_key":"197fc931141d","_type":"span","marks":[],"text":"National Insurance is a type of tax that individuals who earn over a certain amount pay to the UK government. It's used to fund state benefits, including the "},{"_key":"86a8e7ef0d71","_type":"span","marks":["4d36ecf48553"],"text":"State Pension"},{"_key":"ef68cb9b39c5","_type":"span","marks":[],"text":", healthcare services like the NHS, unemployment benefits, and other social welfare programmes. The amount of NI contributions a person pays is based on their income. "}],"markDefs":[{"_key":"4d36ecf48553","_type":"internalLinkPick","reference":{"_ref":"24becfe8-66e5-4cc0-a93d-d43dba6dc2f4","_type":"reference"}}],"style":"normal"},{"_key":"40a7cc2028dd","_type":"block","children":[{"_key":"2f7ae6ae4b60","_type":"span","marks":[],"text":"Net Asset Value (NAV)"}],"markDefs":[],"style":"h4"},{"_key":"3d630b183293","_type":"block","children":[{"_key":"894358b0ef1f","_type":"span","marks":[],"text":"Often shortened to NAV, the Net Asset Value is a measurement used to describe the current value of an investment at a moment in time. It's calculated by taking the overall value of a company's total assets and subtracting its total debts or liabilities. It can be expressed as price-per-share by further dividing this figure by the total number of shares. "}],"markDefs":[],"style":"normal"},{"_key":"e87e8979a92d","_type":"block","children":[{"_key":"31d8af16e38e","_type":"span","marks":["strong"],"text":"Non-Fungible Token (NFT)"}],"markDefs":[],"style":"h4"},{"_key":"7e33fe807bda","_type":"block","children":[{"_key":"3aee21700be2","_type":"span","marks":[],"text":"A Non-Fungible Token or NFT is a digital asset that represents ownership or proof of authenticity of a unique item, such as art or music, recorded on the blockchain - the same technology used for cryptocurrency."}],"markDefs":[],"style":"normal"},{"_key":"701d11ee57b4","_type":"block","children":[{"_key":"eba840d0a9a4","_type":"span","marks":["strong"],"text":"New York Stock Exchange (NYSE)"}],"markDefs":[],"style":"h4"},{"_key":"f3b3e2351b69","_type":"block","children":[{"_key":"17a0d1b42279","_type":"span","marks":[],"text":"The New York Stock Exchange or NYSE is the largest stock exchange in the world by market capitalisation."}],"markDefs":[],"style":"normal"}],"title":"N"}]},{"_key":"6b186924c685","_type":"block","children":[{"_key":"3a70816181ca","_type":"span","marks":[],"text":""},{"_key":"49bbaaba3e7b","_type":"mainAnchor","pageAnchor":{"_ref":"069bce55-9880-41c1-92d1-b098ce2bccf3","_type":"reference"}},{"_key":"5d39490f9a3e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8ff01c493a6a","_type":"dropdownWidget","items":[{"_key":"06b33fdb634e","_type":"dropdownObject","text":[{"_key":"06af5d5ceeb1","_type":"block","children":[{"_key":"c7a58e053383","_type":"span","marks":[],"text":"Offer price"}],"markDefs":[],"style":"h4"},{"_key":"4a9d95599b55","_type":"block","children":[{"_key":"b734860e599b","_type":"span","marks":[],"text":"Like the ask price, the offer price is the lowest price that a seller is willing to sell an investment."}],"markDefs":[],"style":"normal"},{"_key":"d4c0099b9e83","_type":"block","children":[{"_key":"0b604ab2b7c3","_type":"span","marks":[],"text":"Ongoing Charges Figure (OCF)"}],"markDefs":[],"style":"h4"},{"_key":"26e67735dd10","_type":"block","children":[{"_key":"f0314d35de1b","_type":"span","marks":[],"text":"The Ongoing Charges Figure or OCF is the total cost of an investment over the course of one year. It typically includes the management fee as well as any other charges, such as account fees, and represents the total amount that an investor can expect to pay for an investment for one year. "}],"markDefs":[],"style":"normal"},{"_key":"12fdf6c70659","_type":"block","children":[{"_key":"5d05bfc0095a","_type":"span","marks":[],"text":"Open-Ended Investment Company (OEIC)"}],"markDefs":[],"style":"h4"},{"_key":"64d22f768021","_type":"block","children":[{"_key":"db2b20d22220","_type":"span","marks":[],"text":"An OEIC or Open-Ended Investment Company is a type of fund where the money of all investors is pooled together and then invested on their behalf at the direction of the fund manager. They're open-ended because there is an infinite number of shares available - it can generate new shares whenever an investor wants to buy one or it can buy shares back whenever an investor wants to sell."}],"markDefs":[],"style":"normal"},{"_key":"b452314b8579","_type":"block","children":[{"_key":"30f45b9d2d22","_type":"span","marks":[],"text":"Open-end funds"}],"markDefs":[],"style":"h4"},{"_key":"e20ad5529a0e","_type":"block","children":[{"_key":"1c2eee8cd57d","_type":"span","marks":[],"text":"An open-end fund is a type of fund that continuously issues and redeems shares based on investor demand. They don't have a limit on the number of shares they can issue. They're the opposite of closed-end funds, which have a finite pool of available shares, such as investment trusts."}],"markDefs":[],"style":"normal"},{"_key":"dd58f8f8a81d","_type":"block","children":[{"_key":"18e6d435dd0f","_type":"span","marks":[],"text":"Options"}],"markDefs":[],"style":"h4"},{"_key":"b6c34e7feaef","_type":"block","children":[{"_key":"aaa4a10d25d7","_type":"span","marks":[],"text":"An option is a form of derivative which represents the right (but not the obligation) of the buyer to buy or sell an investment at a chosen price at some point in the future. A \"call\" option is when an investor purchases the right to buy the investment at a predetermined price. A \"put\" option is when an investor purchases the right to sell an investment at a predetermined price. Options provide flexibility for investors to profit from price movements without owning the underlying investment outright."}],"markDefs":[],"style":"normal"},{"_key":"0abb4022ed3f","_type":"block","children":[{"_key":"0ea8c9318caa0","_type":"span","marks":[],"text":"Overweight"}],"markDefs":[],"style":"h4"},{"_key":"9bf28e213468","_type":"block","children":[{"_key":"6a5a0e86f9370","_type":"span","marks":[],"text":"A portfolio or fund is overweight when it has a larger proportion in a particular asset class, sector, geographical region or share compared to the index or benchmark it is usually measured against. "}],"markDefs":[],"style":"normal"}],"title":"O"}]},{"_key":"f92a77ddd4de","_type":"block","children":[{"_key":"c6ab85f530e9","_type":"span","marks":[],"text":""},{"_key":"28eead28db4b","_type":"mainAnchor","pageAnchor":{"_ref":"acdbcaeb-8268-4355-9ab6-59232a42deb5","_type":"reference"}},{"_key":"c6714db4a13e","_type":"span","marks":[],"text":""},{"_key":"0319e45f385f","_type":"mainAnchor","pageAnchor":{"_ref":"75142f92-c895-4760-a710-bf518bcacd3d","_type":"reference"}},{"_key":"9ea05457bfbd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"457ed83ab160","_type":"dropdownWidget","items":[{"_key":"311052645ffb","_type":"dropdownObject","text":[{"_key":"552b49ea6095","_type":"block","children":[{"_key":"4900483dcaf4","_type":"span","marks":[],"text":"Passive"}],"markDefs":[],"style":"h4"},{"_key":"905d0017e8ea","_type":"block","children":[{"_key":"d33598a1a820","_type":"span","marks":[],"text":"A passively managed fund is designed to replicate or track a particular index or benchmark - for example, the FTSE 100 or S&P 500. A passive investment style is similarly one which replicates an index or benchmark with minimal deviation."}],"markDefs":[],"style":"normal"},{"_key":"7271a33c19b3","_type":"block","children":[{"_key":"daaba7e4dab10","_type":"span","marks":[],"text":"Portfolio"}],"markDefs":[],"style":"h4"},{"_key":"b0c48230a473","_type":"block","children":[{"_key":"34279af50c03","_type":"span","marks":[],"text":"A portfolio is a collection of investments such as shares, bonds and funds."}],"markDefs":[],"style":"normal"},{"_key":"7d5e703dfb61","_type":"block","children":[{"_key":"930358a0d2cd","_type":"span","marks":[],"text":"P/E Ratio"}],"markDefs":[],"style":"h4"},{"_key":"e44214fb0972","_type":"block","children":[{"_key":"8b3ce90fbcdd","_type":"span","marks":[],"text":"The P/E Ratio or Price-Earnings Ratio is a measurement of a company's share price relative to its earnings per-share. It's used to determine whether a share is overvalued - i.e. the share price is higher than the earnings per share - or undervalued - i.e. the share price is lower than the earnings per share. It's calculated by dividing the current share price by the earnings per-share."}],"markDefs":[],"style":"normal"},{"_key":"24dbf0ded8ec","_type":"block","children":[{"_key":"d648326da1430","_type":"span","marks":["strong"],"text":"Principal"}],"markDefs":[],"style":"h4"},{"_key":"7aeca8a5c1ac","_type":"block","children":[{"_key":"b010b1375d89","_type":"span","marks":[],"text":"The principal is a word sometimes used to describe the initial amount of money invested - such as in a bond - or borrowed - such as with a loan - excluding any subsequently earned interest or dividends."}],"markDefs":[],"style":"normal"},{"_key":"f47820934c56","_type":"block","children":[{"_key":"4230da5967250","_type":"span","marks":["strong"],"text":"Profit"}],"markDefs":[],"style":"h4"},{"_key":"646ef4b39de5","_type":"block","children":[{"_key":"82299db04bf9","_type":"span","marks":[],"text":"Profit is the financial gain an investor makes on their investment, after deducting all expenses and losses. It's sometimes also called the 'return' or 'earnings'."}],"markDefs":[],"style":"normal"},{"_key":"cd5db6ed7475","_type":"block","children":[{"_key":"2485fddd8ebc0","_type":"span","marks":["strong"],"text":"Profit margin"}],"markDefs":[],"style":"h4"},{"_key":"befcb19de1f6","_type":"block","children":[{"_key":"802e8ec71167","_type":"span","marks":[],"text":"A profit margin is a ratio that measures a company's profitability. It's calculated by dividing the company's net (total) income by its profits to illustrate how much the company gets to keep as a profit after subtracting all costs."}],"markDefs":[],"style":"normal"}],"title":"P"}]},{"_key":"759d5eacc01f","_type":"block","children":[{"_key":"625d31428381","_type":"span","marks":[],"text":""},{"_key":"8547a74dfbfa","_type":"mainAnchor","pageAnchor":{"_ref":"00fd73fa-3005-430d-8596-c7cd88cfebf3","_type":"reference"}},{"_key":"fa806d281ee4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"998450f63c43","_type":"dropdownWidget","items":[{"_key":"311052645ffb","_type":"dropdownObject","text":[{"_key":"7eab0015ce08","_type":"block","children":[{"_key":"96c4cc6ed1f00","_type":"span","marks":[],"text":"Quantitative Easing (QE)"}],"markDefs":[],"style":"h4"},{"_key":"16077562c5f9","_type":"block","children":[{"_key":"a3dfddfd8a470","_type":"span","marks":[],"text":"Quantitative Easing or QE refers to a monetary policy implemented by central banks to generate economic activity. This usually works by buying bonds and other assets to increase liquidity and encourage lending and investment in the wider market. It was recently used in the UK during the Covid-19 pandemic."}],"markDefs":[],"style":"normal"},{"_key":"4c9053801ebf","_type":"block","children":[{"_key":"86e1ad0dde890","_type":"span","marks":["strong"],"text":"Quote"}],"markDefs":[],"style":"h4"},{"_key":"982a08a1c65a","_type":"block","children":[{"_key":"d719d2be1fbe0","_type":"span","marks":[],"text":"A quote in investing represents the current price at which a share, commodity, or currency is being traded at. It typically includes the bid price and the ask price and can be used to give investors real-time information about a price before they decide to buy or sell."}],"markDefs":[],"style":"normal"}],"title":"Q"}]},{"_key":"9f5af7c9ea81","_type":"block","children":[{"_key":"e596ae3cbc9a","_type":"span","marks":[],"text":""},{"_key":"65de2128a12e","_type":"mainAnchor","pageAnchor":{"_ref":"7764a53b-dd24-4c61-a346-6cb6ea560ed9","_type":"reference"}},{"_key":"c4b21318ae5c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0b01488a0446","_type":"dropdownWidget","items":[{"_key":"311052645ffb","_type":"dropdownObject","text":[{"_key":"2c726f16d5d6","_type":"block","children":[{"_key":"68eb13989445","_type":"span","marks":["strong"],"text":"Rate of Return (ROR)"}],"markDefs":[],"style":"h4"},{"_key":"d9e3535cbe36","_type":"block","children":[{"_key":"e579c163a10c","_type":"span","marks":[],"text":"The Rate of Return or ROR is the same as the ROI."}],"markDefs":[],"style":"normal"},{"_key":"739be671110b","_type":"block","children":[{"_key":"5beeb76769dc","_type":"span","marks":[],"text":"Ready-made portfolios"}],"markDefs":[],"style":"h4"},{"_key":"7458235c200a","_type":"block","children":[{"_key":"1ca692e64b45","_type":"span","marks":[],"text":"A ready-made portfolio is a premade bundle of investments which provides a blend of bonds and shares in different proportions depending on your tolerance for risk. Lower risk ready-made portfolios tend to invest in more bonds (generally considered lower risk investments), whereas higher risk ready-made portfolios tend to invest in more shares (generally considered higher risk investments). Ready-made portfolios are a subtype of multi-asset funds and are offered by asset managers as well as robo advisers. Read more about ready-made portfolios in our full guide "},{"_key":"c921eb26b593","_type":"span","marks":["72b22cc16a1f"],"text":"here"},{"_key":"e0c33902f699","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"72b22cc16a1f","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"30021281532d","_type":"block","children":[{"_key":"a57101c7e00d","_type":"span","marks":["strong"],"text":"Real Estate Investment Trust (REIT)"}],"markDefs":[],"style":"h4"},{"_key":"d79f145d85d3","_type":"block","children":[{"_key":"76d2c2517b00","_type":"span","marks":[],"text":"A Real Estate Investment Trust or REIT is a company that owns, operates, or finances income-generating real estate. Investors can buy shares in a REIT, allowing them to invest in real estate without owning physical property. REITs often provide dividends based on rental income."}],"markDefs":[],"style":"normal"},{"_key":"4bf3d46e2425","_type":"block","children":[{"_key":"8d8faeb496e8","_type":"span","marks":[],"text":"Return on Investment (ROI) "}],"markDefs":[],"style":"h4"},{"_key":"a5cdaa24641b","_type":"block","children":[{"_key":"e150927d3ef1","_type":"span","marks":[],"text":"Return on Investment or ROI is a metric used to evaluate the profitability of an investment relative to its cost. It's calculated by dividing the net profit from the initial invested amount and is used to assess the success of an investment strategy."}],"markDefs":[],"style":"normal"},{"_key":"ef34fbffcb90","_type":"block","children":[{"_key":"4f908e007a4d","_type":"span","marks":["strong"],"text":"Revenue"}],"markDefs":[],"style":"h4"},{"_key":"d6e8acca272c","_type":"block","children":[{"_key":"13f71490b669","_type":"span","marks":[],"text":"Revenue is the total income generated from a business's operations. In investing, it's important to evaluate a company's revenue as it indicates its ability to generate income. Consistent and growing revenue is generally a positive indicator for investors, whereas consistently falling revenue can be a negative sign. A company's revenue minus all operating costs and losses is its profit."}],"markDefs":[],"style":"normal"},{"_key":"73577b2d6233","_type":"block","children":[{"_key":"baf3fef527f20","_type":"span","marks":["strong"],"text":"Risk"}],"markDefs":[],"style":"h4"},{"_key":"2ad38d2c16c7","_type":"block","children":[{"_key":"67d30fc872d7","_type":"span","marks":[],"text":"Risk in investing refers to the uncertainty or potential of losing money on an investment. It's essential to understand and manage investment risk as it directly correlates with potential returns. For example, high risk investments may earn higher returns but also carry a greater chance of loss. On the other hand, low risk investments may have a lesser chance of losing money, but come with less earnings potential too. Read more about risk and how to use it appropriately in our"},{"_key":"dd448eb51203","_type":"span","marks":["f26f70f46502"],"text":" Investing for Beginners"},{"_key":"addb0785cd98","_type":"span","marks":[],"text":" course."}],"markDefs":[{"_key":"f26f70f46502","_type":"internalLinkPick","reference":{"_ref":"bc6b73f2-43c7-43c3-8adb-56e56d274fdc","_type":"reference"}}],"style":"normal"},{"_key":"d0dac39961fa","_type":"block","children":[{"_key":"781051debb71","_type":"span","marks":["strong"],"text":"Risk tolerance"}],"markDefs":[],"style":"h4"},{"_key":"64be170ee4f1","_type":"block","children":[{"_key":"b167ea4c4bbc","_type":"span","marks":[],"text":"Risk tolerance refers to the extent an investor is willing to endure fluctuations in the price of their investments. In other words, it's your attitude to investment risk and how much you feel comfortable taking on. It's important to assess your risk tolerance to create an investment portfolio and strategy that's suitably aligned with your comfort level. You can read more about how to determine your risk tolerance "},{"_key":"ac4e38b59f6c","_type":"span","marks":["4798db63f020"],"text":"here"},{"_key":"3dc1071b9757","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"4798db63f020","_type":"internalLinkPick","reference":{"_ref":"25599c4c-bf4f-4150-9d09-613c345b07c8","_type":"reference"}}],"style":"normal"},{"_key":"59afce4ce9f4","_type":"block","children":[{"_key":"46eac0ef839a","_type":"span","marks":[],"text":"Robo adviser"}],"markDefs":[],"style":"h4"},{"_key":"dffa1d074224","_type":"block","children":[{"_key":"11132c5c948d","_type":"span","marks":[],"text":"A robo adviser or robo is a type of asset management company which offers ready-made portfolios that are managed using algorithms that frequently rebalance the portfolio to maintain exposure to different assets in line with a chosen risk level. "}],"markDefs":[],"style":"normal"}],"title":"R"}]},{"_key":"d3f676c85e8b","_type":"block","children":[{"_key":"2dfe409263ff","_type":"span","marks":[],"text":""},{"_key":"57693e912a40","_type":"mainAnchor","pageAnchor":{"_ref":"22f8a158-ed05-4f14-a582-54029352f511","_type":"reference"}},{"_key":"8d4640e9a394","_type":"span","marks":[],"text":""},{"_key":"4c0f684bda71","_type":"mainAnchor","pageAnchor":{"_ref":"eacdeec4-37b4-4ed1-af20-d6d9a6643b61","_type":"reference"}},{"_key":"3cc8694c0eff","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f5efd7593a0f","_type":"dropdownWidget","items":[{"_key":"a82861b12055","_type":"dropdownObject","text":[{"_key":"54d82d35ff15","_type":"block","children":[{"_key":"1cd9ce01d43b0","_type":"span","marks":["strong"],"text":"Sector"}],"markDefs":[],"style":"h4"},{"_key":"d5b7e04bee59","_type":"block","children":[{"_key":"d68c43e10709","_type":"span","marks":[],"text":"A sector refers to a group of companies that all operate in the same industry or part of the economy. For example, technology, healthcare, finance and agriculture are all sectors."}],"markDefs":[],"style":"normal"},{"_key":"3eb692b46b49","_type":"block","children":[{"_key":"180968cab5410","_type":"span","marks":["strong"],"text":"Security"}],"markDefs":[],"style":"h4"},{"_key":"e13ba155d12f","_type":"block","children":[{"_key":"33ae84a4fa16","_type":"span","marks":[],"text":"A security is a financial instrument that holds some type of monetary value. Shares, bonds, and derivatives are examples of securities."}],"markDefs":[],"style":"normal"},{"_key":"29b7ecf54d31","_type":"block","children":[{"_key":"6e82e02fde80","_type":"span","marks":[],"text":"Self-Invested Personal Pension (SIPP)"}],"markDefs":[],"style":"h4"},{"_key":"29ced7ea8769","_type":"block","children":[{"_key":"6f3d864932a9","_type":"span","marks":[],"text":"A Self-Invested Personal Pension or SIPP, sometimes also called a private pension or personal pension, is a type of pension that allows individuals to save for retirement by managing their own investments. This is different from the State Pension or workplace pension schemes, where individuals usually have limited control of what they're invested in. SIPPs come with tax relief designed to incentivise people to save for retirement, where for every amount you add to a SIPP account, the UK government will contribute additional money based on your usual rate of Income Tax. Read more in our full guide "},{"_key":"bf08eb351682","_type":"span","marks":["92aed6d24e13"],"text":"here"},{"_key":"1e1c030b73e9","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"92aed6d24e13","_type":"internalLinkPick","reference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"}}],"style":"normal"},{"_key":"47a2f8dcc667","_type":"block","children":[{"_key":"82cecf23cada0","_type":"span","marks":["strong"],"text":"Shares"}],"markDefs":[],"style":"h4"},{"_key":"f5ef9b2fba4f","_type":"block","children":[{"_key":"5d2b5d7a36f0","_type":"span","marks":[],"text":"Shares represent a unit of ownership in a company. Companies divide their ownership into shares and investors can purchase these to become owners of a tiny part of it. Shares are also called 'stocks' or 'equities'."}],"markDefs":[],"style":"normal"},{"_key":"c4664dfbd4ef","_type":"block","children":[{"_key":"40cda62e414b0","_type":"span","marks":["strong"],"text":"Short selling"}],"markDefs":[],"style":"h4"},{"_key":"b2c211b706ce","_type":"block","children":[{"_key":"5ed385973c9f","_type":"span","marks":[],"text":"Short selling is an investment strategy where an investor borrows a share and then sells it, aiming to buy it back later at a lower price and profit from the price difference."}],"markDefs":[],"style":"normal"},{"_key":"31413e908553","_type":"block","children":[{"_key":"d9d118945e950","_type":"span","marks":["strong"],"text":"S&P 500"}],"markDefs":[],"style":"h4"},{"_key":"71da369f13b5","_type":"block","children":[{"_key":"d1a6e9a4f3f2","_type":"span","marks":[],"text":"The S&P 500 is an index that tracks the performance of the 500 largest publicly traded companies in the United States. It's often used as a benchmark for the overall global stock market."}],"markDefs":[],"style":"normal"},{"_key":"a2a6493608ce","_type":"block","children":[{"_key":"596a764625c60","_type":"span","marks":["strong"],"text":"Spread"}],"markDefs":[],"style":"h4"},{"_key":"2e3fbb972b22","_type":"block","children":[{"_key":"e46abaa076e6","_type":"span","marks":[],"text":"Spread refers to the difference between the ask price and the bid price of a share. A narrow spread is preferable as it indicates a smaller difference between the prices and therefore usually better liquidity."}],"markDefs":[],"style":"normal"},{"_key":"f4a6fc88118f","_type":"block","children":[{"_key":"57e9c6d06ec6","_type":"span","marks":[],"text":"State Pension"}],"markDefs":[],"style":"h4"},{"_key":"f595f0018975","_type":"block","children":[{"_key":"e34e0bc83958","_type":"span","marks":[],"text":"The State Pension is a type of pension provided by the UK government to eligible UK adults once they reach the State Pension age (currently 66 but rising to 67 from 2026). It's designed to offer a basic amount of financial support during retirement. The amount a person receives depends on their track record of National Insurance contributions. Read more in our full State Pension guide "},{"_key":"9d2df1038e25","_type":"span","marks":["159991fa8c25"],"text":"here"},{"_key":"30c16d2022cd","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"159991fa8c25","_type":"internalLinkPick","reference":{"_ref":"24becfe8-66e5-4cc0-a93d-d43dba6dc2f4","_type":"reference"}}],"style":"normal"},{"_key":"3e3b62f1dba3","_type":"block","children":[{"_key":"8da70320219f0","_type":"span","marks":["strong"],"text":"Stock market"}],"markDefs":[],"style":"h4"},{"_key":"744dda474d4c","_type":"block","children":[{"_key":"eaa2acdf6ac5","_type":"span","marks":[],"text":"Stock markets are public markets where buyers and sellers trade stocks (shares) of publicly listed companies. They are physical places in the real world - like the London Stock Exchange in London or the New York Stock Exchange in New York City."}],"markDefs":[],"style":"normal"},{"_key":"e13852446342","_type":"block","children":[{"_key":"ad308d4351650","_type":"span","marks":["strong"],"text":"Stock split"}],"markDefs":[],"style":"h4"},{"_key":"bafe5d84f793","_type":"block","children":[{"_key":"40b002e25e23","_type":"span","marks":[],"text":"A stock split occurs when a company divides its existing shares into multiple shares. This doesn't affect the company's value but it increases the total number of available shares."}],"markDefs":[],"style":"normal"},{"_key":"69e3327a7800","_type":"block","children":[{"_key":"3390bcee05d10","_type":"span","marks":["strong"],"text":"Stop-loss order"}],"markDefs":[],"style":"h4"},{"_key":"fe08cf2a073c","_type":"block","children":[{"_key":"a773a1e8bf71","_type":"span","marks":[],"text":"A stop-loss order is an instruction an investor makes to sell a stock automatically when it reaches a specific price. It's used to limit losses and manage risk by selling before an investment falls too far in value."}],"markDefs":[],"style":"normal"}],"title":"S"}]},{"_key":"8481abf47333","_type":"block","children":[{"_key":"48cf7212ce43","_type":"span","marks":[],"text":""},{"_key":"1d11a473c668","_type":"mainAnchor","pageAnchor":{"_ref":"b262b86c-c9a0-4114-8e2a-08e5e4c961de","_type":"reference"}},{"_key":"0c74773ea706","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cd8423020438","_type":"dropdownWidget","items":[{"_key":"bb4587ba9e5b","_type":"dropdownObject","text":[{"_key":"6fc4da1b9540","_type":"block","children":[{"_key":"012097806f830","_type":"span","marks":["strong"],"text":"Ticker symbol"}],"markDefs":[],"style":"h4"},{"_key":"177f2b0f0376","_type":"block","children":[{"_key":"058a7bfefb7a","_type":"span","marks":[],"text":"A ticker symbol is a unique combination of letters which represent a particular share on a stock exchange. It serves as a shorthand method for identifying a share. For example, the ticker for Apple on the NASDAQ index is AAPL and the ticker for Shell on the FTSE 100 is SHEL."}],"markDefs":[],"style":"normal"},{"_key":"07b36bf3e4b1","_type":"block","children":[{"_key":"3cc4eb4e5c610","_type":"span","marks":["strong"],"text":"Time horizon"}],"markDefs":[],"style":"h4"},{"_key":"fcde5838a9f8","_type":"block","children":[{"_key":"6398a8e6a179","_type":"span","marks":[],"text":"Time horizon refers to the length of time an investor expects to hold an investment before they intend to sell it to withdraw their funds. "}],"markDefs":[],"style":"normal"},{"_key":"cb403f242e3b","_type":"block","children":[{"_key":"877bebc4a6200","_type":"span","marks":["strong"],"text":"Total return"}],"markDefs":[],"style":"h4"},{"_key":"e1bea9210dd1","_type":"block","children":[{"_key":"fb5b03967cd8","_type":"span","marks":[],"text":"Total return encompasses both the appreciation (or depreciation) in the principal investment plus any dividends or interest earned over a specific period."}],"markDefs":[],"style":"normal"},{"_key":"8eb294ea6e2f","_type":"block","children":[{"_key":"787bcb3730040","_type":"span","marks":["strong"],"text":"Trading volume"}],"markDefs":[],"style":"h4"},{"_key":"95a0391f5573","_type":"block","children":[{"_key":"52e2a0f9f0f4","_type":"span","marks":[],"text":"Trading volume is the total number of shares traded for a specific security during a given period. A high trading volume often indicates increased interest in that security, for example, whereas a low trading volume suggests the opposite."}],"markDefs":[],"style":"normal"},{"_key":"a9ab8ed3648d","_type":"block","children":[{"_key":"bc50c9895fab","_type":"span","marks":["strong"],"text":"Transaction fee"}],"markDefs":[],"style":"h4"},{"_key":"0254cb8ac2cd","_type":"block","children":[{"_key":"770e87047191","_type":"span","marks":[],"text":"A transaction fee is a charge imposed by an investment platform for executing a trade within an investment account."}],"markDefs":[],"style":"normal"},{"_key":"7c37d48ed7e2","_type":"block","children":[{"_key":"78255d69daa00","_type":"span","marks":["strong"],"text":"Treasury bonds"}],"markDefs":[],"style":"h4"},{"_key":"ef9a8811f85f","_type":"block","children":[{"_key":"fdfa48b8f2ab","_type":"span","marks":[],"text":"Treasury bonds are long-term government bonds with fixed interest rates issued by the US Department of the Treasury. Like UK gilts, they're generally considered to be low risk investments."}],"markDefs":[],"style":"normal"}],"title":"T"}]},{"_key":"47adab5547ee","_type":"block","children":[{"_key":"a539d33843d1","_type":"span","marks":[],"text":""},{"_key":"17d5bdfce0f0","_type":"mainAnchor","pageAnchor":{"_ref":"f49e2dc7-879a-4bae-8df6-6f54a69bbc48","_type":"reference"}},{"_key":"5eb9299abe2f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e4c8ee0db985","_type":"dropdownWidget","items":[{"_key":"2fb4e9c023aa","_type":"dropdownObject","text":[{"_key":"2655c953de12","_type":"block","children":[{"_key":"a5e33f2b7d380","_type":"span","marks":[],"text":"Underlying investments"}],"markDefs":[],"style":"h4"},{"_key":"ea1d60470d91","_type":"block","children":[{"_key":"62825c3848ad","_type":"span","marks":[],"text":"An underlying investments is an asset or investment within an investment product or portfolio. For example, shares, bonds and commodities may be underlying investments in a multi-asset fund."}],"markDefs":[],"style":"normal"}],"title":"U"}]},{"_key":"c4f8b456b704","_type":"block","children":[{"_key":"9fcaa15de288","_type":"span","marks":[],"text":""},{"_key":"187795553bcb","_type":"mainAnchor","pageAnchor":{"_ref":"44113b7a-b3f2-4148-a638-0391401e4b1e","_type":"reference"}},{"_key":"d6e662d6d239","_type":"span","marks":[],"text":""},{"_key":"397ff886a3e7","_type":"mainAnchor","pageAnchor":{"_ref":"8348a96f-5f71-4826-8508-d7fae6b929f6","_type":"reference"}},{"_key":"157ae6cf9eb2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d6c7bc5d8ad2","_type":"dropdownWidget","items":[{"_key":"18b6cc1e93f0","_type":"dropdownObject","text":[{"_key":"4f660e0df3b0","_type":"block","children":[{"_key":"90b2da18afa90","_type":"span","marks":["strong"],"text":"Value investing"}],"markDefs":[],"style":"h4"},{"_key":"c9c19b9d6390","_type":"block","children":[{"_key":"093d4b27f804","_type":"span","marks":[],"text":"Value investing is an investment strategy that focuses on selecting shares or securities believed to be trading at a lower price than their intrinsic value. Investors aim to generate a profit on these undervalued assets as and when they increase in value."}],"markDefs":[],"style":"normal"},{"_key":"bcbc4de6ef47","_type":"block","children":[{"_key":"ef810d447591","_type":"span","marks":[],"text":"Volatility"}],"markDefs":[],"style":"h4"},{"_key":"a7919fc153e6","_type":"block","children":[{"_key":"c605e804ba9e","_type":"span","marks":[],"text":"Volatility describes the price movement of an investment or index. High volatility indicates frequent and significant price movement, whereas low volatility denotes less frequent or severe fluctuations in price. In investment speak, a high risk investment is one which has high volatility."}],"markDefs":[],"style":"normal"}],"title":"V"}]},{"_key":"6b37d11be94b","_type":"block","children":[{"_key":"7e889925a527","_type":"span","marks":[],"text":""},{"_key":"6965f683fad7","_type":"mainAnchor","pageAnchor":{"_ref":"866c5b8e-05bc-408e-ac62-fe8fe26141ea","_type":"reference"}},{"_key":"3a266da2d952","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3211122ec76a","_type":"dropdownWidget","items":[{"_key":"1cdcaf71cbff","_type":"dropdownObject","text":[{"_key":"27ee695e2d0e","_type":"block","children":[{"_key":"26e1630880430","_type":"span","marks":["strong"],"text":"Wealth manager"}],"markDefs":[],"style":"h4"},{"_key":"4ac63049c4bd","_type":"block","children":[{"_key":"5c2486f12400","_type":"span","marks":[],"text":"A wealth manager is an individual or company which offers professional assistance in managing an individual's finances, including investments, estate planning, tax strategies, and more. Their aim is to build and protect wealth for their customers."}],"markDefs":[],"style":"normal"},{"_key":"035b631ed3ea","_type":"block","children":[{"_key":"3a1867ba6539","_type":"span","marks":[],"text":"Workplace pension"}],"markDefs":[],"style":"h4"},{"_key":"0a8875eba368","_type":"block","children":[{"_key":"4384b9998f8b","_type":"span","marks":[],"text":"A workplace pension is a type of pension set up by an employer for its employees. Both the employee and the employer contribute to it. The auto-enrolment scheme, introduced in 2012, stipulates that UK employers must enroll all employees who meet certain requirements in a workplace pension scheme. It also outlines minimum contributions for both parties - 5% for employees and 3% for employers."}],"markDefs":[],"style":"normal"}],"title":"W"}]},{"_key":"dedac8c8e713","_type":"block","children":[{"_key":"56ea9b3caaf7","_type":"span","marks":[],"text":""},{"_key":"18c4fc2dbb38","_type":"mainAnchor","pageAnchor":{"_ref":"922bb438-384b-4039-b8d3-f5ed6bd94e75","_type":"reference"}},{"_key":"8bb4d9394ec9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c075083b074e","_type":"dropdownWidget","items":[{"_key":"a9ce8baf661c","_type":"dropdownObject","text":[{"_key":"0de7b57e5de8","_type":"block","children":[{"_key":"0003b2e5b4ff","_type":"span","marks":[],"text":"Yield"}],"markDefs":[],"style":"h4"},{"_key":"296d59384fd2","_type":"block","children":[{"_key":"c66cb6617d20","_type":"span","marks":[],"text":"The yield is the return or profit on an investment, usually expressed as a percentage of the total price. So for example, if the yield on a bond is 5%, this means an investor with £100 in that bond would get £5 of income a year. The yield can include dividends, interest or any other earnings."}],"markDefs":[],"style":"normal"}],"title":"Y"}]},{"_key":"9e2dbb9ccb1e","_type":"block","children":[{"_key":"0e86553a5856","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"214f51532c2c","_type":"block","children":[{"_key":"9397cb0516430","_type":"span","marks":["em"],"text":"Boring Money's glossary is intended to be used for informational purposes only. It does not constitute financial advice or an endorsement of any investment strategy. While efforts have been made to ensure accuracy, investing concepts and terminology may vary and evolve. Readers are encouraged to conduct thorough research and/or "},{"_key":"35e68d7af322","_type":"span","marks":["em","2ac3e84997e7"],"text":"consult with a qualified financial adviser"},{"_key":"bb666d692d9e","_type":"span","marks":["em"],"text":" before making any investment decisions."}],"markDefs":[{"_key":"2ac3e84997e7","_type":"internalLinkPick","reference":{"_ref":"63a19438-721c-4042-b811-f8f2af951e0e","_type":"reference"}}],"style":"normal"}],"excerpt":[{"_key":"ab3040e01784","_type":"block","children":[{"_key":"2f8d19ca1f520","_type":"span","marks":[],"text":"Boring Money's glossary has been created to help you better understand the world of finance and investing. Use it to break through the jargon and learn about common financial words and technical terms that relate to your money."}],"markDefs":[],"style":"normal"}],"linkMenu":[{"_key":"20eb3e6866fc","_ref":"89e11648-b86c-4ffd-a554-f2770c7d054d","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":"An image of an open book and a set of Scrabble letters spelling out 'glossary'","asset":{"_ref":"image-e7bb499b6f0e9736ca8cd31bd4ea6864375b3101-1920x1080-png","_type":"reference"}},"pageBreadcrumb":{"_ref":"2728f286-5c8c-4de2-b707-327b69fa13a9","_type":"reference"},"publishedAt":"2023-12-04T09:41:51.010Z","slug":{"_type":"slug","current":"glossary"},"subfolder":{"_ref":"83495465-d1dd-4049-a955-b065009036e6","_type":"reference"},"subtitle":"A-Z of investing terms and phrases","template":"C-SB","theme":"Boring Money theme","title":"Glossary","widgets":[{"_key":"a88f134deb64","_ref":"79cbfce0-99a3-451e-82d4-c0b6a4487777","_type":"reference"},{"_key":"7270ddcc8d91","_ref":"3fefd2ec-9177-427c-9149-529cd1417d24","_type":"reference"},{"_key":"cc966f5278c5","_ref":"3a6edac9-161a-4f04-9675-c3dbaeffad1b","_type":"reference"},{"_key":"1416d66cb082","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"}],"id":"-1ccb90ef-e8b8-50f8-afca-6922d54ba2c5","children":[],"parent":null},"text":"CLICK HERE"},{"_key":"5dab0c2f4304","_type":"block","children":[{"_key":"b1f5ec3fe857","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3ce205101f11","_type":"textboxWidget","text":[{"_key":"5897c9c5c6d6","_type":"block","children":[{"_key":"e44f5c9ca72f","_type":"span","marks":[],"text":"Historically, money invested for more than five years grows more than cash savings. Remember that investments can also fall, so you might not get all of your money back. Tax treatment depends on individual circumstances and may change."}],"markDefs":[],"style":"normal"}],"title":"Information: "}],"brazeCustomAttributes":[{"_key":"34acbd61e1e2","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_ProviderPage","customAttributeValue":"https://www.boringmoney.co.uk/isas-pensions/fidelity/"}],"brazeSubscriptionGroupId":"6ff8b394-c40b-4cb3-9396-e41096e561af","brazeSubscriptionRef":null,"categories":[{"_id":"2845ba64-de47-4336-abc9-216ccbb41a52","_type":"category","_rev":"MHiI0B0r7wy6aa3WlFJ6WK","_createdAt":"2022-04-04T09:10:52Z","_updatedAt":"2023-04-28T10:55:48Z","title":"Boring Money Provider Reviews","id":"-56aed686-14fa-58a1-a350-8da89430a4ad","children":[],"parent":null}],"company":{"_id":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","_type":"companyCategory","_rev":"Q6z14aedR34UCXcxUmilUk","_createdAt":"2021-09-22T15:40:08Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","rev":"BR99o6YSojcZSyho0bo3Ys"}},"bestBuyAward":{"_id":"b7bce671-e80a-4ede-8647-4042031ea64a","_type":"bestBuyAward","_rev":"0FvTSp1yYRm2ugsQpma0ky","_createdAt":"2026-01-29T12:49:56Z","_updatedAt":"2026-01-29T12:50:30Z","bestBuyCompareTableLogo":{"_type":"image","asset":{"_ref":"image-007140428d612ce1b60906f9b595c70495cc175b-620x136-png","_type":"reference"}},"informationPage":{"_ref":"fc19a01d-3103-47e2-9fcf-611a5e15ca38","_type":"reference"},"name":"Best For Investment Research 2026","providerPageLogo":{"_type":"image","asset":{"_ref":"image-ad9df2106e6755832df00b5589ec4762f81a72b9-3201x3200-png","_type":"reference"}},"id":"-3bcbcb69-1e9e-5068-9f17-b46d8b54563e","children":[],"parent":null},"bestBuyAwardVisible":{"_id":"eaa64ff3-3087-49f7-a5f0-83f69aec6233","_type":"bestBuyAward","_rev":"uKsIgnbY5DoFWsQn52IzO8","_createdAt":"2022-09-16T12:22:48Z","_updatedAt":"2022-10-05T09:10:35Z","name":"Sustainable ISA rated by Visible","providerPageLogo":{"_type":"image","asset":{"_ref":"image-23c5065a40f6ddcb96e5374c242421eb1c511901-640x360-jpg","_type":"reference"}},"id":"-340374b6-74d5-5798-a396-90f6e2e50942","children":[],"parent":null},"bestBuyType":"ISA","body":[{"_key":"bd75f60433b6","_type":"block","children":[{"_key":"41cca6e409b1","_type":"span","marks":[],"text":"Fidelity is a massive American brand which is very thorough, responsible and solid. The site is full of research and information which is clearly presented and well-executed. The charges are fair and the website is improving. They are not a sustainable specialist, more a generalist, so will appeal to those who want help to pick third-party options, not get everything from one single provider."}],"markDefs":[],"style":"normal"},{"_key":"cbdb19c7dc16","_type":"block","children":[{"_key":"a7f4fbeb1dcb0","_type":"span","marks":[],"text":"We include them here because the research section is very helpful for customers in helping them to shortlist, research and select sustainable funds which map to their personal criteria and preferences."}],"markDefs":[],"style":"normal"}],"companyBBCats":["DIY","BIGBRAND"],"companyDisplayName":"Fidelity","companyLogo":{"_type":"mainImage","alt":"Fidelity","asset":{"_id":"image-9d1590372d4676569d8c778783e9d332accdc9d8-1000x1000-jpg","_type":"sanity.imageAsset","_rev":"pwgsWsC4RsKsrkEnM8ClfP","_createdAt":"2024-06-11T16:01:21Z","_updatedAt":"2024-06-11T16:01:21Z","assetId":"9d1590372d4676569d8c778783e9d332accdc9d8","extension":"jpg","metadata":{"_type":"sanity.imageMetadata","blurHash":"eeR:7]Z#VsjakWt7ayayj[jt_NpIkqoyaekCofj[ayay9Fi_jEWBfl","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1,"height":1000,"width":1000},"hasAlpha":false,"isOpaque":true,"lqip":"data:image/jpeg;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#437188","foreground":"#fff","population":0.41,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#0b5f8b","foreground":"#fff","population":4,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#0b5f8b","foreground":"#fff","population":4,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#dabbae","foreground":"#000","population":0.03,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f08e8d","foreground":"#000","population":0.25,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#985452","foreground":"#fff","population":0.13,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#cc262a","foreground":"#fff","population":0.08,"title":"#fff"}}},"mimeType":"image/jpeg","originalFilename":"Fidelity logo 2024.jpg","path":"images/k8qzcdw3/prod1503/9d1590372d4676569d8c778783e9d332accdc9d8-1000x1000.jpg","sha1hash":"9d1590372d4676569d8c778783e9d332accdc9d8","size":77065,"uploadId":"SxDtnIBHm9J0PLfhUjvSoSE2dJl0rDeZ","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/9d1590372d4676569d8c778783e9d332accdc9d8-1000x1000.jpg","filename":"Fidelity logo 2024.jpg","width":1000,"height":1000,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/9d1590372d4676569d8c778783e9d332accdc9d8-1000x1000.jpg?rect=167,0,667,1000&w=%width%&h=%height%&q=80","id":"image-9d1590372d4676569d8c778783e9d332accdc9d8-1000x1000-jpg","children":[],"parent":null}},"companyName":"ISA Fidelity","comparisonCriteria":[{"_key":"e8a21cbb78c2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"75d195a27188","_type":"block","children":[{"_key":"f5e44c6181c5","_type":"span","marks":[],"text":"A safe, solid global player which has recently improved its website for investors. Recent changes include improved share dealing services and performance reporting."}],"markDefs":[],"style":"normal"}]},{"_key":"a67a9f5274f8","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"8899ebfcaf44","_type":"block","children":[{"_key":"15df9b8d68cc","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"f58ac7228c81","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"c9df47a28488","_type":"block","children":[{"_key":"9f76408b709e","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"ec7fbf83cc57","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"49f824dcb7b4","_type":"block","children":[{"_key":"bd4e1aed817e","_type":"span","marks":[],"text":"Funds: 0.35% (for a value between £7.5k and £250k)"}],"markDefs":[],"style":"normal"},{"_key":"5d1e9bb5bf54","_type":"block","children":[{"_key":"967c8e21094e","_type":"span","marks":[],"text":"Shares: 0.35% (max £45 per year) (for a value more than £7.5k)"}],"markDefs":[],"style":"normal"}]},{"_key":"6a23b6871e82","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"aef4036bb941","_type":"block","children":[{"_key":"378ab7b22658","_type":"span","marks":[],"text":"Funds: free"}],"markDefs":[],"style":"normal"},{"_key":"491b38aecf42","_type":"block","children":[{"_key":"64e8937e24ae","_type":"span","marks":[],"text":"Shares: £10"}],"markDefs":[],"style":"normal"}]},{"_key":"8b8c26d4c4be","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"0ce2dd1fa821","_type":"block","children":[{"_key":"52d9c2e94e26","_type":"span","marks":[],"text":"N/A"}],"markDefs":[],"style":"normal"}]},{"_key":"b1120d77cc36","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"f9d00eb06ccb","_type":"block","children":[{"_key":"770948f1871e","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"91b8b19f016f","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"8da05fe13441","_type":"block","children":[{"_key":"d516cd918ff8","_type":"span","marks":[],"text":"No"}],"markDefs":[],"style":"normal"}]},{"_key":"d2190871d889","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"412aa10449b9","_type":"block","children":[{"_key":"caafedbe4ce4","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"cde1dbf2aa3d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"b118f43f8300","_type":"block","children":[{"_key":"f1cf259d8892","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"7e8240c12f50","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"250b903f1e9f","_type":"block","children":[{"_key":"84081e0b0a9d","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"cc651389a87d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"d432f5fd8ebd","_type":"block","children":[{"_key":"eeadbb517dae","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"26230f42620a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"5411d118e3fc","_type":"block","children":[{"_key":"66f597c75b0b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8425c99a3fb0","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"9b360f7c576a","_type":"block","children":[{"_key":"d02fa067b96b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"6BD1BAC0-3F13-4DA8-A1DA-7CEFA7EAB7AC","inANutshell":["Large, secure global company ","Good investment research tools","Expensive for portfolios under £25k unless you have a regular savings plan"],"mostPopularRank":7,"noOfReviews":"1689","ourRating":"8","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_id":"447459c4-290e-474b-b6ab-ee141dee49a6","_type":"linkCategory","_rev":"pmT7QR797Is6qDo1cgCb0R","_createdAt":"2022-02-23T10:33:10Z","_updatedAt":"2025-08-29T15:45:17Z","_system":{"base":{"id":"447459c4-290e-474b-b6ab-ee141dee49a6","rev":"KZQo3A7WcrNiYL7tGIORt9"}},"affiliateLink":true,"description":"Affiliate UTM Fidelity ISA","url":"https://www.awin1.com/cread.php?awinmid=9992&awinaffid=740625&campaign=pi_isa&ued=https%3A%2F%2Fwww.fidelity.co.uk%2Fstocks-and-shares-isa%2F","id":"-278d0cfa-b892-5b01-bdfc-53c2e47fe472","children":[],"parent":null},"reviewReference":{"_id":"6b9c10a5-2223-4a20-98fb-55323cda4a35","_type":"information","_rev":"ReG8cor2CRZQPja7mpq0ZB","_createdAt":"2021-08-30T10:38:21Z","_updatedAt":"2026-04-02T14:15:15Z","_system":{"base":{"id":"6b9c10a5-2223-4a20-98fb-55323cda4a35","rev":"BuJwPtZh1I7Qoo0aNlIbYC"}},"authors":[{"_key":"6c33badda57f","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"00eff1456ec5","_type":"block","children":[{"_key":"f3e7bbe6b4a3","_type":"span","marks":[],"text":"Written by "},{"_key":"902361b6c17b","_type":"span","marks":["554cc5821090"],"text":"Boring Money"}],"markDefs":[{"_key":"554cc5821090","_type":"internalLinkPick","blank":true,"reference":{"_ref":"d303d967-e483-4761-b7bf-65760d5b1b66","_type":"reference"}}],"style":"normal"}],"body":[{"_key":"15e3877df4be","_type":"providerHeaderWidget","company":{"_ref":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","_type":"reference"}},{"_key":"cf5a7607fc27","_type":"anchorMenuMobile","title":"menu"},{"_key":"25d0f2697a6e","_type":"block","children":[{"_key":"36d76ae6d85f","_type":"span","marks":[],"text":""},{"_key":"3f1c70b8ec8f","_type":"mainAnchor","pageAnchor":{"_ref":"be67f70a-2e31-4e77-9282-6784550f85ce","_type":"reference"}},{"_key":"558860e3ac53","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c5d91290027c","_type":"ourRatingWidget","company":{"_ref":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","_type":"reference"}},{"_key":"af2494ebbef1","_type":"block","children":[{"_key":"b2e164ce1f00","_type":"span","marks":[],"text":""},{"_key":"b0d5a009deb8","_type":"mainAnchor","pageAnchor":{"_ref":"e17eb14a-5082-4a31-911c-e8cf2665fa72","_type":"reference"}},{"_key":"afacad9381f4","_type":"span","marks":[],"text":"Investment expert’s opinion "}],"markDefs":[],"style":"h2"},{"_key":"499a7a2b7ac8","_type":"blockQuote","adviserName":"Holly Mackay ","jobTitle":"Founder & CEO, Boring Money*","photo":{"_type":"mainImage","alt":"Holly Mackay ","asset":{"_ref":"image-09007f04fb546b786000b2729947b6dfc2f690aa-606x438-jpg","_type":"reference"}},"quote":[{"_key":"130738536b9b","_type":"block","children":[{"_key":"c27a148c93c5","_type":"span","marks":[],"text":"Fidelity is a massive global brand which will be a reliable choice for those looking to manage their family investments and savings in one place. Fee-free Junior ISAs are hard to beat. The app is decent, the research is good, and the phone service is reliable. However, there is a but... the app and site have not kept pace with competitors, and so there is no element which makes this option stand out. So it's good enough, but nothing exciting."}],"markDefs":[],"style":"normal"}]},{"_key":"6576b2c7327d","_type":"block","children":[{"_key":"8d4042e0e7db","_type":"span","marks":["em"],"text":"*This is the view of investment expert Holly Mackay based on her first-hand customer experience as a test account holder. This does not constitute regulated advice. You can read more about Holly's investments "},{"_key":"c0e2bf53f089","_type":"span","marks":["em","e3538d66cdc7"],"text":"here"},{"_key":"b0d50828c621","_type":"span","marks":["em"],"text":"."}],"markDefs":[{"_key":"e3538d66cdc7","_type":"internalLinkPick","reference":{"_ref":"6dff6a49-b6ac-46cf-abed-819cb7486e2d","_type":"reference"}}],"style":"small"},{"_key":"bd1627fd69e1","_type":"block","children":[{"_key":"bbe685518cda","_type":"span","marks":["strong"],"text":"Risk warning"}],"markDefs":[],"style":"normal"},{"_key":"9a44024efba1","_type":"block","children":[{"_key":"ba6d90b0b947","_type":"span","marks":[],"text":"As 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."}],"markDefs":[],"style":"normal"},{"_key":"2787296d28a5","_type":"block","children":[{"_key":"08aee601a277","_type":"span","marks":[],"text":""},{"_key":"422fd99bfcb7","_type":"mainAnchor","pageAnchor":{"_ref":"522348ce-ba06-4d6e-9a76-bf943875d0cf","_type":"reference"}},{"_key":"0c4b54aef16e","_type":"span","marks":[],"text":"Who is Fidelity?"}],"markDefs":[],"style":"h2"},{"_key":"ac9e4ac8d5ac","_type":"block","children":[{"_key":"2e5bf009874a0","_type":"span","marks":[],"text":"Fidelity – also known as Fidelity International - was established in 1969 as a subsidiary of Fidelity Investments, one of the largest asset management firms in the world. Fidelity International became an independent business in 1980 and today is one of the most popular investment platforms in the UK, with over 1.6 million customers. It offers a wide range of investments, including its own funds - such as the popular Fidelity Index World, which frequently appears in our monthly "},{"_key":"c1e778930c61","_type":"span","marks":["161fbfab337e"],"text":"best-selling funds "},{"_key":"b193f677c6cb","_type":"span","marks":[],"text":"series."}],"markDefs":[{"_key":"161fbfab337e","_type":"internalLinkPick","reference":{"_ref":"aadcd51e-3d7b-47ae-94da-4226f4f25ea8","_type":"reference"}}],"style":"normal"},{"_key":"43cca092f5c0","_type":"textboxWidget","text":[{"_key":"47fb3226d40a","_type":"block","children":[{"_key":"3a75c71565690","_type":"span","marks":["strong"],"text":"Fidelity won the following at Boring Money’s Best Buy Awards in 2025:"}],"markDefs":[],"style":"normal"},{"_key":"3d0b15c6c3d6","_type":"block","children":[{"_key":"7e9f7a44b4d5","_type":"span","marks":[],"text":"🏆 "},{"_key":"488ccae400ee","_type":"span","marks":["5219a0564ac4"],"text":"Best Buy Pension "}],"markDefs":[{"_key":"5219a0564ac4","_type":"internalLinkPick","reference":{"_ref":"41b7c255-2a4e-415c-bc4e-74bc27a97f1e","_type":"reference"}}],"style":"normal"},{"_key":"3f88e9b3a9e5","_type":"block","children":[{"_key":"e74ba4a386e6","_type":"span","marks":[],"text":"🏆 "},{"_key":"e2068d1aa1ce","_type":"span","marks":["f6ae2f7d8548"],"text":"Best Buy JISA"}],"markDefs":[{"_key":"f6ae2f7d8548","_type":"internalLinkPick","reference":{"_ref":"e2f37bff-0046-4a63-b28a-4100f5ce38b9","_type":"reference"}}],"style":"normal"},{"_key":"4fd42fda4030","_type":"block","children":[{"_key":"8b38f03c4556","_type":"span","marks":[],"text":"🏆 "},{"_key":"c8a221eee5a2","_type":"span","marks":["375f8a4f9449"],"text":"Best for Investment Research"}],"markDefs":[{"_key":"375f8a4f9449","_type":"internalLinkPick","reference":{"_ref":"df3d4346-4cfc-4a90-8bfa-1a9016dcd649","_type":"reference"}}],"style":"normal"},{"_key":"1127e5e08d34","_type":"block","children":[{"_key":"1ce97cbb3e8c","_type":"span","marks":[],"text":"🏆 "},{"_key":"db94ffce93aa","_type":"span","marks":["8fcf63bb6c11"],"text":"Best for Customer Service"}],"markDefs":[{"_key":"8fcf63bb6c11","_type":"internalLinkPick","reference":{"_ref":"76a171af-4523-416f-8eb9-6df7272d8c2d","_type":"reference"}}],"style":"normal"},{"_key":"259293136e28","_type":"block","children":[{"_key":"aeeec11414d1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"4c2487128113","_type":"block","children":[{"_key":"a2090a228766","_type":"span","marks":[],"text":""},{"_key":"97e9a69edea2","_type":"mainAnchor","pageAnchor":{"_ref":"cf6f26cf-1a25-40c6-b9bc-7eea852a160b","_type":"reference"}},{"_key":"001ae599ac48","_type":"span","marks":[],"text":"Who is Fidelity good for?"}],"markDefs":[],"style":"h2"},{"_key":"89e8ed98b577","_type":"block","children":[{"_key":"20b5f9c387320","_type":"span","marks":[],"text":"Fidelity’s charges make it a better option for those with larger portfolios (£30,000+) who want access to good research and solid customer support. The large global brand will reassure some too - it's a safe pair of hands for those who find newer brands too risky. There are extensive sustainable investing filtering options too. However, not the best digital experience."}],"markDefs":[],"style":"normal"},{"_key":"12c376d97ff8","_type":"block","children":[{"_key":"2a80458ca7dc","_type":"span","marks":[],"text":""},{"_key":"15c8cc159f97","_type":"mainAnchor","pageAnchor":{"_ref":"68a2740c-2fdd-48f2-a439-70e9257fa1dc","_type":"reference"}},{"_key":"f64f841b061d","_type":"span","marks":[],"text":"Pros and cons"}],"markDefs":[],"style":"h2"},{"_key":"db4dffc86508","_type":"prosConsWidget","cons":["Website and app can feel clunky to use ","Expensive for smaller portfolios without regular savings plans ","Trading is not as streamlined via app"],"consTitle":"Cons","pros":["Large, secure global company ","Great supporting investment research and content ","Good service and support, particularly for larger accounts"],"prosTitle":"Pros"},{"_key":"e9d3b3c39c87","_type":"block","children":[{"_key":"8f37c5296a68","_type":"span","marks":[],"text":""},{"_key":"e17c3cf7cca6","_type":"mainAnchor","pageAnchor":{"_ref":"9e51cdf7-15a0-4f71-a312-6ed8618ed389","_type":"reference"}},{"_key":"3d051873fe3f","_type":"span","marks":[],"text":"Investments"}],"markDefs":[],"style":"h2"},{"_key":"9659813ad636","_type":"block","children":[{"_key":"85198f50f47c0","_type":"span","marks":[],"text":"Fidelity users can access a wide range of thousands of investments, including:"}],"markDefs":[],"style":"normal"},{"_key":"b177d13bf3c9","_type":"table","rows":[{"_key":"row-1767094659215-0","_type":"tableRow","cells":[{"_key":"cell-1767094659215-0-0","_type":"tableCell","content":[{"_key":"5cb2b6a3c99f","_type":"block","children":[{"_key":"edcce6365c67","_type":"span","marks":[],"text":"UK and Foreign Shares"}],"markDefs":[],"style":"normal"}],"isHeader":true,"linkReference":{"_ref":"cb3a5699-c273-4e67-b373-5de2a4569845","_type":"reference"}}]},{"_key":"row-1767094659215-1","_type":"tableRow","cells":[{"_key":"cell-1767094659215-1-0","_type":"tableCell","content":[{"_key":"b84c55a3f78f","_type":"block","children":[{"_key":"eca2102d225a","_type":"span","marks":[],"text":"Funds"}],"markDefs":[],"style":"normal"}],"isHeader":false,"linkReference":{"_ref":"975b751d-234d-456d-8940-f636650c301a","_type":"reference"}}]},{"_key":"row-1767094659215-2","_type":"tableRow","cells":[{"_key":"cell-1767094659215-2-0","_type":"tableCell","content":[{"_key":"c2a74d73fdb7","_type":"block","children":[{"_key":"f72a2cf2f511","_type":"span","marks":[],"text":"Investment Trusts"}],"markDefs":[],"style":"normal"}],"isHeader":false,"linkReference":{"_ref":"e50ed30a-8fd6-48b1-b086-61bdcc227685","_type":"reference"}}]},{"_key":"row-1767094727199","_type":"tableRow","cells":[{"_key":"cell-1767094727199-0","_type":"tableCell","content":[{"_key":"e0ec78184c86","_type":"block","children":[{"_key":"3b0166d9dbfd","_type":"span","marks":[],"text":"ETFs"}],"markDefs":[],"style":"normal"}],"isHeader":false}]},{"_key":"row-1767094727515","_type":"tableRow","cells":[{"_key":"cell-1767094727515-0","_type":"tableCell","content":[{"_key":"ad501079b195","_type":"block","children":[{"_key":"09bd0e87538f","_type":"span","marks":[],"text":"Ready Made Solutions"}],"markDefs":[],"style":"normal"}],"isHeader":false,"linkReference":{"_ref":"25599c4c-bf4f-4150-9d09-613c345b07c8","_type":"reference"}}]},{"_key":"row-1767096899842","_type":"tableRow","cells":[{"_key":"cell-1767096899842-0","_type":"tableCell","content":[{"_key":"bacf6b1da666","_type":"block","children":[{"_key":"c8ee9c9ba049","_type":"span","marks":[],"text":"Bonds"}],"markDefs":[],"style":"normal"}],"isHeader":false,"linkReference":{"_ref":"ef452672-20b7-4540-9f6a-d2c7bd3c8542","_type":"reference"}}]}]},{"_key":"de11875169fa","_type":"block","children":[{"_key":"61e80682314b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5f3f752c03df","_type":"block","children":[{"_key":"f508965423020","_type":"span","marks":[],"text":"The Fidelity website has a helpful "},{"_key":"16fe6df6847e","_type":"span","marks":["919a9c7cf2f6"],"text":"Investment Finder "},{"_key":"e2f341912968","_type":"span","marks":[],"text":"which you can use to search through all of the available investments, filtering by type as well as provider, sector and even charges."}],"markDefs":[{"_key":"919a9c7cf2f6","_type":"internalLinkPick","reference":{"_ref":"788d5dbc-ae2b-498c-a293-d8211bffcfed","_type":"reference"}}],"style":"normal"},{"_key":"9e2269933570","_type":"block","children":[{"_key":"8ab71781289b","_type":"span","marks":[],"text":""},{"_key":"a705dd6eed6f","_type":"mainAnchor","pageAnchor":{"_ref":"605cc8d4-a85e-4d6d-94d8-0c4cbebac403","_type":"reference"}},{"_key":"737b18bf0072","_type":"span","marks":[],"text":"Accounts"}],"markDefs":[],"style":"h2"},{"_key":"b977c27efce8","_type":"block","children":[{"_key":"7b7b0950da2c0","_type":"span","marks":[],"text":"Fidelity offers a range of accounts. The table below shows a breakdown of which ones are available and you can scroll down for more information about Fidelity's ISA, Pension and JISA."}],"markDefs":[],"style":"normal"},{"_key":"4009ba429dc5","_type":"tableControl","rows":[{"_key":"d553eb7e8b7d","_type":"row","cells":[{"_key":"8ba431a4e375","_type":"cell","tableStyle":"DB","value":[{"_key":"9d88145724e8","_type":"block","children":[{"_key":"def9e141d4400","_type":"span","marks":[],"text":"Stocks & Shares ISA"}],"markDefs":[],"style":"normal"}]},{"_key":"83bd6dcb3dcf","_type":"cell","tableStyle":"DB","value":[{"_key":"b8717e35047c","_type":"block","children":[{"_key":"7f6a2335c5830","_type":"span","marks":[],"text":"Pension (SIPP)"}],"markDefs":[],"style":"normal"}]},{"_key":"31128ead34c2","_type":"cell","tableStyle":"DB","value":[{"_key":"e2001f62cb05","_type":"block","children":[{"_key":"ec6e10bad3ff0","_type":"span","marks":[],"text":"General Investment Account (GIA)"}],"markDefs":[],"style":"normal"}]},{"_key":"56c70b5820d8","_type":"cell","tableStyle":"DB","value":[{"_key":"40217b6a7243","_type":"block","children":[{"_key":"dbb976f4bf520","_type":"span","marks":[],"text":"Lifetime ISA"}],"markDefs":[],"style":"normal"}]},{"_key":"52494242a1a4","_type":"cell","tableStyle":"DB","value":[{"_key":"c4c25c83a69e","_type":"block","children":[{"_key":"6e973223ccce0","_type":"span","marks":[],"text":"Junior ISA"}],"markDefs":[],"style":"normal"}]}]},{"_key":"b52c4264359e","_type":"row","cells":[{"_key":"e212a9c78685","_type":"cell","tableStyle":"W","value":[{"_key":"5814eee43950","_type":"block","children":[{"_key":"e1994bda8d0b","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"60afa26d9702","_type":"cell","tableStyle":"W","value":[{"_key":"10f4079d6321","_type":"block","children":[{"_key":"1c99017b106c","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"5f50d546601f","_type":"cell","tableStyle":"W","value":[{"_key":"6608a198e7c0","_type":"block","children":[{"_key":"aa0d69c14b6a","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"a262a593642f","_type":"cell","tableStyle":"W","value":[{"_key":"b35ef62eaaad","_type":"block","children":[{"_key":"23f1a7a35d290","_type":"span","marks":["strong"],"text":"✘"}],"markDefs":[],"style":"normal"}]},{"_key":"f2b9b755e66d","_type":"cell","tableStyle":"W","value":[{"_key":"e9b320187dfb","_type":"block","children":[{"_key":"e107c889e03d","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"Accounts"},{"_key":"921f98ae40d6","_type":"block","children":[{"_key":"ff287edfaedc","_type":"span","marks":[],"text":""},{"_key":"21d87b439633","_type":"mainAnchor","pageAnchor":{"_ref":"2c997e7d-1bea-4476-9de0-5ed9b0515370","_type":"reference"}},{"_key":"47d37e30468f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f81c1f62ca4f","_type":"textboxWidget","text":[{"_key":"0fae1a711445","_type":"block","children":[{"_key":"f43454bbdb74","_type":"span","marks":[],"text":"Fidelity has a "},{"_key":"0c8cadc8eb76","_type":"span","marks":["8da1cb090b0b"],"text":"Stocks & Shares ISA"},{"_key":"790bac8107c8","_type":"span","marks":[],"text":", where you can invest up to £20,000 every year completely tax-free."}],"markDefs":[{"_key":"8da1cb090b0b","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"35054e88d013","_type":"block","children":[{"_key":"56a4d91b7b7b0","_type":"span","marks":[],"text":"You can choose to invest in thousands of funds, ETFs, investment trusts or UK and international shares, as well as Fidelity’s own in-house funds. Note that you cannot invest directly in bonds with a Fidelity ISA, although many of the available funds have some exposure to bonds."}],"markDefs":[],"style":"normal"},{"_key":"7cfb35580546","_type":"block","children":[{"_key":"0a6fc436cc6a0","_type":"span","marks":[],"text":"If you’re not sure where to start, Fidelity has a "},{"_key":"0a4f07eb892d","_type":"span","marks":["17acced42ad1"],"text":"Navigator"},{"_key":"d05be1c18af6","_type":"span","marks":[],"text":" quiz which asks you some basic questions about how you’d like to invest and then matches you with investments it thinks would suit your preferences. Users can also browse "},{"_key":"ba883a712730","_type":"span","marks":["398f7525af33"],"text":"Fidelity’s Select 50"},{"_key":"a732deb64747","_type":"span","marks":[],"text":" range of funds - chosen by investment experts to represent the current ‘favourites’ available to Fidelity customers."}],"markDefs":[{"_key":"17acced42ad1","_type":"internalLinkPick","reference":{"_ref":"1689a0f7-13a1-4c9e-9552-786ac8d8b2ef","_type":"reference"}},{"_key":"398f7525af33","_type":"internalLinkPick","reference":{"_ref":"02125aac-9b5b-49db-a3f2-1615342ae8d5","_type":"reference"}}],"style":"normal"},{"_key":"943c09f506c4","_type":"block","children":[{"_key":"0e0088a32aa50","_type":"span","marks":[],"text":"Setting up a Fidelity ISA is straightforward, with a minimum lump sum of £1,000 or £25 regular monthly installments. Fidelity may also cover you for up to £500 if your current ISA provider charges exit fees."}],"markDefs":[],"style":"normal"},{"_key":"0a737235f524","_type":"block","children":[{"_key":"7082313fa932","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b082d2a143d4","_type":"block","children":[{"_key":"0ea9c8239b66","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Fidelity ISA review"},{"_key":"8d2293e12f76","_type":"block","children":[{"_key":"6c90d1871c5b","_type":"span","marks":[],"text":""},{"_key":"3540b665e36e","_type":"mainAnchor","pageAnchor":{"_ref":"ff57f94f-5ad4-4b79-b2cb-f15cbcbe2361","_type":"reference"}},{"_key":"b101f1e743ec","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9e348556814f","_type":"textboxWidget","text":[{"_key":"504ea2f4beba","_type":"block","children":[{"_key":"2bd04b87ae9f0","_type":"span","marks":[],"text":"Like the Stocks & Shares ISA, Fidelity SIPP users can choose from a wide range of investments including funds (Fidelity’s own and others), ETFs, investment trusts, and UK shares. There are also online calculators to help you plan ahead and a dedicated team on hand six days a week."}],"markDefs":[],"style":"normal"},{"_key":"156b121e11b6","_type":"block","children":[{"_key":"6dd28fe3f8270","_type":"span","marks":[],"text":"You can transfer an existing pension to Fidelity and you may be able to get up to £500 of exit fees covered for you. Plus, if you’ve got a larger portfolio of over £250,000, you’ll get a reduced account fee and your own Relationship Manager."}],"markDefs":[],"style":"normal"},{"_key":"b0aede64b72e","_type":"block","children":[{"_key":"0e6998a3b6300","_type":"span","marks":[],"text":"Setting up a Fidelity SIPP requires a minimum lump sum of £800 or £20 regular monthly installments."}],"markDefs":[],"style":"normal"},{"_key":"9eacdd78538b","_type":"block","children":[{"_key":"e05c4adcdb44","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d069c13ebfad","_type":"block","children":[{"_key":"f6774b7e19de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Fidelity Self Invested Private Pension review"},{"_key":"f50cc2eb914f","_type":"block","children":[{"_key":"f9ea844dc970","_type":"span","marks":[],"text":""},{"_key":"fd976f120d84","_type":"mainAnchor","pageAnchor":{"_ref":"ee27d09d-a3cd-4792-9e2a-c3c517b2e0b2","_type":"reference"}},{"_key":"7640636963c4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e952fcb5e43b","_type":"textboxWidget","text":[{"_key":"39d0b591ba1b","_type":"block","children":[{"_key":"7f95a63c65840","_type":"span","marks":[],"text":"Fidelity has a "},{"_key":"f4137cbee9bb","_type":"span","marks":["1ea80123d681"],"text":"Stocks & Shares Junior ISA"},{"_key":"54d4dad2cf29","_type":"span","marks":[],"text":", where you can invest up to £9,000 every tax year on behalf of your children or grandchildren."}],"markDefs":[{"_key":"1ea80123d681","_type":"internalLinkPick","reference":{"_ref":"d5b77d3e-daa0-4a42-ba55-c68b5fce8fff","_type":"reference"}}],"style":"normal"},{"_key":"8b7d90f8f54b","_type":"block","children":[{"_key":"ced6b8f318af0","_type":"span","marks":[],"text":"As with the adult Stocks & Shares ISA, Fidelity JISA customers can select from a range of different investments including funds, ETFs, investment trusts and UK and international shares. Fidelity’s online tools – including its Investment Finder, Navigator quiz and Select 50 funds list – can help you select the best ones for your child’s account."}],"markDefs":[],"style":"normal"},{"_key":"58866942226c","_type":"block","children":[{"_key":"c772830071080","_type":"span","marks":[],"text":"There is no service fee on Fidelity JISA accounts and it’s easy to get started with a minimum lump sum of £100 or £25 regular monthly instalments. It’s also possible to have up to £500 in exit fees covered for you when transferring an existing JISA to Fidelity."}],"markDefs":[],"style":"normal"},{"_key":"1846e6a79c05","_type":"block","children":[{"_key":"4a1e0d6c0a50","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Fidelity JISA review"},{"_key":"11f40fcc4216","_type":"block","children":[{"_key":"d179c2cab4df","_type":"span","marks":[],"text":""},{"_key":"ce4dc73c2fe0","_type":"mainAnchor","pageAnchor":{"_ref":"4e980c11-5605-4480-b5cf-9ef6d1970af0","_type":"reference"}},{"_key":"f74808adac68","_type":"span","marks":[],"text":"Fees and charges"}],"markDefs":[],"style":"h2"},{"_key":"3ffdf3c52cb0","_type":"block","children":[{"_key":"01b34f76730d0","_type":"span","marks":[],"text":"The cost of investing with Fidelity depends on the amount of money you have invested, whether you invest in regular monthly installments (the regular savings plan), and what you’re invested in."}],"markDefs":[],"style":"normal"},{"_key":"6d67821b450c","_type":"block","children":[{"_key":"34b2ca3b340a0","_type":"span","marks":[],"text":"Fidelity’s service fee is the same across ISA and SIPP accounts but is tiered based on the amount of money you have. Note that there is no service fee at all on Fidelity Junior ISA and Junior SIPP accounts. The table below illustrates how this works."}],"markDefs":[],"style":"normal"},{"_key":"dea34d057d52","_type":"block","children":[{"_key":"685d8e979d1c0","_type":"span","marks":["strong"],"text":"Fidelity service fee explained"}],"markDefs":[],"style":"h4"},{"_key":"4d9dbe4fced8","_type":"tableControl","rows":[{"_key":"a2f1bab68dab","_type":"row","cells":[{"_key":"843eb6cdbf9b","_type":"cell","tableStyle":"DB","value":[{"_key":"1b6bcd2ddf3f","_type":"block","children":[{"_key":"94ea8449be200","_type":"span","marks":["strong"],"text":"Invested amount"}],"markDefs":[],"style":"normal"}]},{"_key":"8bd8bfce86b7","_type":"cell","tableStyle":"DB","value":[{"_key":"80cf781bbf4e","_type":"block","children":[{"_key":"b20fcefa3c850","_type":"span","marks":["strong"],"text":"Cost"}],"markDefs":[],"style":"normal"}]}]},{"_key":"a05f6d8dcf05","_type":"row","cells":[{"_key":"5a89793901ce","_type":"cell","tableStyle":"W","value":[{"_key":"dc10bd60c43b","_type":"block","children":[{"_key":"90b5359e95b30","_type":"span","marks":[],"text":"<£25,000"}],"markDefs":[],"style":"normal"}]},{"_key":"b2d174590773272b9f9f18c387f95079","_type":"cell","tableStyle":"W","value":[{"_key":"cd775d9a79fd","_type":"block","children":[{"_key":"8a60245d9c2f0","_type":"span","marks":[],"text":"0.35% if you have a regular savings plan or £90 (£7.50 a month) if you don't"}],"markDefs":[],"style":"normal"}]}]},{"_key":"a2a814a10927cac7c86b599c3d235645","_type":"row","cells":[{"_key":"5a89793901ce","_type":"cell","tableStyle":"W","value":[{"_key":"b7f62af1b200","_type":"block","children":[{"_key":"316dc5b980a70","_type":"span","marks":[],"text":"£25,000 - £250,000"}],"markDefs":[],"style":"normal"}]},{"_key":"b2d174590773272b9f9f18c387f95079","_type":"cell","tableStyle":"W","value":[{"_key":"cd775d9a79fd","_type":"block","children":[{"_key":"8a60245d9c2f0","_type":"span","marks":[],"text":"0.35% "}],"markDefs":[],"style":"normal"}]}]},{"_key":"41c2524063a58ce6192ab948cbc7f352","_type":"row","cells":[{"_key":"5a89793901ce","_type":"cell","tableStyle":"W","value":[{"_key":"8779ec8035a9","_type":"block","children":[{"_key":"e6796d6bf7210","_type":"span","marks":[],"text":"£250,000 - £1m"}],"markDefs":[],"style":"normal"}]},{"_key":"b2d174590773272b9f9f18c387f95079","_type":"cell","tableStyle":"W","value":[{"_key":"cd775d9a79fd","_type":"block","children":[{"_key":"8a60245d9c2f0","_type":"span","marks":[],"text":"0.20% "}],"markDefs":[],"style":"normal"}]}]},{"_key":"e6ea7c51cf7dec8e6e9ddf9b3c8fce2a","_type":"row","cells":[{"_key":"5a89793901ce","_type":"cell","tableStyle":"W","value":[{"_key":"5583698e95af","_type":"block","children":[{"_key":"950b53751e640","_type":"span","marks":[],"text":"£1m+"}],"markDefs":[],"style":"normal"}]},{"_key":"b2d174590773272b9f9f18c387f95079","_type":"cell","tableStyle":"W","value":[{"_key":"f279d1165771","_type":"block","children":[{"_key":"686c834dee550","_type":"span","marks":[],"text":"0.20% for the first £1 million and no service fee for investments over this"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"Fidelity service fee explained"},{"_key":"6a17d31cfa6d","_type":"block","children":[{"_key":"95e8bc7bbd9b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3edd9aa3172d","_type":"block","children":[{"_key":"e2872bddc0940","_type":"span","marks":[],"text":"Fidelity charges £7.50 per online trade for shares, ETFs and investment trusts. This is reduced to £1.50 if you have a regular savings or withdrawal plan."}],"markDefs":[],"style":"normal"},{"_key":"34cf0a0c23e5","_type":"block","children":[{"_key":"6f847e518ea10","_type":"span","marks":[],"text":"Fidelity charges Foreign exchange fees as follows:"}],"markDefs":[],"style":"normal"},{"_key":"ec9e9a8b8883","_type":"tableControl","rows":[{"_key":"8f82b8a61474","_type":"row","cells":[{"_key":"6f3b7cd56578","_type":"cell","tableStyle":"DB","value":[{"_key":"5fe0ff453904","_type":"block","children":[{"_key":"c1d827bae72b","_type":"span","marks":[],"text":"Amount"}],"markDefs":[],"style":"normal"}]},{"_key":"c3a7dd8c9639","_type":"cell","tableStyle":"DB","value":[{"_key":"f06a4ce201be","_type":"block","children":[{"_key":"062e8613423c","_type":"span","marks":[],"text":"Fee"}],"markDefs":[],"style":"normal"}]}]},{"_key":"a90a55977eac","_type":"row","cells":[{"_key":"bf7de6f174c8","_type":"cell","tableStyle":"W","value":[{"_key":"0fbb6d185cba","_type":"block","children":[{"_key":"9338cce2a05b","_type":"span","marks":[],"text":"Under £10,000"}],"markDefs":[],"style":"normal"}]},{"_key":"814d9d5df4bb","_type":"cell","tableStyle":"W","value":[{"_key":"9790849cb0f5","_type":"block","children":[{"_key":"ce9180a3d5d1","_type":"span","marks":[],"text":"0.75%"}],"markDefs":[],"style":"normal"}]}]},{"_key":"d2756bdbf3afc51838daa77ebc3a8544","_type":"row","cells":[{"_key":"bf7de6f174c8","_type":"cell","tableStyle":"W","value":[{"_key":"0fbb6d185cba","_type":"block","children":[{"_key":"9338cce2a05b","_type":"span","marks":[],"text":"£10,000 - £20,000"}],"markDefs":[],"style":"normal"}]},{"_key":"814d9d5df4bb","_type":"cell","tableStyle":"W","value":[{"_key":"9790849cb0f5","_type":"block","children":[{"_key":"ce9180a3d5d1","_type":"span","marks":[],"text":"0.50%"}],"markDefs":[],"style":"normal"}]}]},{"_key":"0460fa9763b5e4feaca946dd5baa09ec","_type":"row","cells":[{"_key":"bf7de6f174c8","_type":"cell","tableStyle":"W","value":[{"_key":"0fbb6d185cba","_type":"block","children":[{"_key":"9338cce2a05b","_type":"span","marks":[],"text":"Over £20,000"}],"markDefs":[],"style":"normal"}]},{"_key":"814d9d5df4bb","_type":"cell","tableStyle":"W","value":[{"_key":"9790849cb0f5","_type":"block","children":[{"_key":"ce9180a3d5d1","_type":"span","marks":[],"text":"0.25%"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W","title":"FX "},{"_key":"1bbf645b1993","_type":"block","children":[{"_key":"542d56aafbe2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"117e85c68d3f","_type":"block","children":[{"_key":"a63b1d0677d80","_type":"span","marks":[],"text":"There may also be additional fees such as government levies, Stamp Duty, or taxes that apply depending on what you invest in."}],"markDefs":[],"style":"normal"},{"_key":"082265fca59f","_type":"block","children":[{"_key":"cb31131b4078","_type":"span","marks":[],"text":"Fidelity does not charge: "}],"markDefs":[],"style":"normal"},{"_key":"57b223e9e350","_type":"block","children":[{"_key":"016e7f8783900","_type":"span","marks":[],"text":"Service fees on cash held in your accounts"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"bd5b36a6cace","_type":"block","children":[{"_key":"78a13eb3b5e80","_type":"span","marks":[],"text":"Exit fees"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b77feeb25556","_type":"block","children":[{"_key":"8e02520458fb0","_type":"span","marks":[],"text":"Buying, switching or selling funds"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c75d66a907e6","_type":"calcBlock","dashboardId":"6BD1BAC0-3F13-4DA8-A1DA-7CEFA7EAB7AC","defaultWrapper":"ISA","introPara":{"_ref":"2b148783-9a10-400d-abc8-d48e9be3a0e2","_type":"reference"},"title":"See how much it would cost you","wrapperOptions":["ISA","PENSION","JISA"],"wrapperText":{"_ref":"3c588c87-09c8-4743-94a5-23af89c4063e","_type":"reference"}},{"_key":"3c48e5f66072","_type":"block","children":[{"_key":"14756f5fbace","_type":"span","marks":[],"text":""},{"_key":"52e409fed88f","_type":"mainAnchor","pageAnchor":{"_ref":"9a9a5fd8-03e4-41c0-8bb9-96205fa99fa0","_type":"reference"}},{"_key":"d94af448e511","_type":"span","marks":[],"text":"Customer reviews"}],"markDefs":[],"style":"h2"},{"_key":"8ea6a3ce8328","_type":"block","children":[{"_key":"c33f531dea260","_type":"span","marks":[],"text":"Fidelity is generally well-regarded for its reliable and secure service, good range of investment products, and user-friendly app and website. Users appreciate the good returns on investments, comprehensive educational resources, and high-quality customer service. The platform is easy to use, making it suitable for beginners, and offers a variety of investment options."}],"markDefs":[],"style":"normal"},{"_key":"57b8be1bc5c9","_type":"block","children":[{"_key":"2a9a4b6ed67f0","_type":"span","marks":[],"text":"However, there are areas for improvement. Some users suggest lowering fees, improving customer service, and providing more frequent communication. There are also calls for better clarity in reporting performance, simplifying the online process, and enhancing the user interface. Despite these suggestions, Fidelity is seen as a trustworthy and reliable provider with a strong reputation in the industry."}],"markDefs":[],"style":"normal"},{"_key":"dd9844ee580c","_type":"yourRatingWidget","company":{"_ref":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","_type":"reference"}},{"LeftSideText":[{"_key":"df1d8f2b5894","_type":"block","children":[{"_key":"99ba64de681a","_type":"span","marks":["strong"],"text":"Your opinion matters!"}],"markDefs":[],"style":"normal"},{"_key":"67f4cffab43f","_type":"block","children":[{"_key":"d5a674af6412","_type":"span","marks":[],"text":"Leave a review for Fidelity "}],"markDefs":[],"style":"normal"}],"_key":"436a8c2846ec","_type":"companyReviewWidget","buttonText":"RATE PROVIDER","company":{"_ref":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","_type":"reference"}},{"_key":"5b9d227c75a7","_type":"block","children":[{"_key":"76904209f6d9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6d952ad43c47","_type":"providerReviewsWidget","company":{"_ref":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","_type":"reference"},"companyReviewPageReference":{"_ref":"14ae8235-3008-4249-8207-2d1d55ae2bb4","_type":"reference"}},{"_key":"abb5e3a6b428","_type":"block","children":[{"_key":"77d6d52c0336","_type":"span","marks":[],"text":""},{"_key":"aec45cf00d59","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"81afac54f7f6","_type":"span","marks":["strong"],"text":"Most asked questions"}],"markDefs":[],"style":"h2"},{"_key":"0e42d0911da7","_type":"block","children":[{"_key":"e684d3495fa1","_type":"span","marks":[],"text":""},{"_key":"3d8ee90a97a3","_type":"mainAnchor","pageAnchor":{"_ref":"d1046785-69e9-496b-ad81-606ac5827160","_type":"reference"}},{"_key":"5c3cd7aab45d","_type":"span","marks":[],"text":" Is Fidelity safe?"}],"markDefs":[],"style":"h3"},{"_key":"fd0f893377ec","_type":"block","children":[{"_key":"09082236df92","_type":"span","marks":[],"text":"Fidelity is authorised and regulated by the Financial Conduct Authority (FCA). If a fund fails due to fraud or mismanagement, you may be eligible for compensation from the "},{"_key":"08101a0dfed9","_type":"span","marks":["da9c8e311c50"],"text":"Financial Services Compensation Scheme (FSCS)"},{"_key":"b2c3d247d828","_type":"span","marks":[],"text":". The FSCS protection is capped at £85,000 per person, per fund manager (not per individual fund). However, if your investments lose value due to normal market conditions or your investment choices, this is part of the normal risk of investing and is not covered by FSCS compensation."}],"markDefs":[{"_key":"da9c8e311c50","_type":"internalLinkPick","blank":true,"reference":{"_ref":"34722af1-872b-441c-a563-4d2293999c94","_type":"reference"}}],"style":"normal"},{"_key":"14e33dcc7a42","_type":"block","children":[{"_key":"099e75c5b039","_type":"span","marks":[],"text":""},{"_key":"80844cca821b","_type":"mainAnchor","pageAnchor":{"_ref":"a1172240-67d2-4919-9be2-18c7f4bbe583","_type":"reference"}},{"_key":"0ee56f1867430","_type":"span","marks":[],"text":"Can you invest in Vanguard funds with Fidelity?"}],"markDefs":[],"style":"h3"},{"_key":"e48f19efeecb","_type":"block","children":[{"_key":"e0354fb60b060","_type":"span","marks":[],"text":"Yes, it is possible to invest in over 80 Vanguard funds on Fidelity. You can filter for these by using Fidelity’s Investment Finder "},{"_key":"ebf808d01afa","_type":"span","marks":["75c61a09b94c"],"text":"here"},{"_key":"2b0370785bf0","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"75c61a09b94c","_type":"internalLinkPick","blank":true,"reference":{"_ref":"49a1af1c-757f-48ea-8e8f-19d1bb1362ba","_type":"reference"}}],"style":"normal"},{"_key":"dcc8a2e0ca0a","_type":"block","children":[{"_key":"b02062fb0244","_type":"span","marks":[],"text":""},{"_key":"54a1a1690d78","_type":"mainAnchor","pageAnchor":{"_ref":"820962dd-5c0b-4b27-95bc-9e17c41440a4","_type":"reference"}},{"_key":"508069cad7c50","_type":"span","marks":[],"text":"Can you invest in individual shares with Fidelity?"}],"markDefs":[],"style":"h3"},{"_key":"fe8cbe52ba0d","_type":"block","children":[{"_key":"ceb53f7cf4a40","_type":"span","marks":[],"text":"Yes, you can invest in almost 2,500 UK and international shares with Fidelity. You can view the full range on the Fidelity website "},{"_key":"9d5b048503bc","_type":"span","marks":["9bc627efe599"],"text":"here"},{"_key":"b3ebbab155d7","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"9bc627efe599","_type":"internalLinkPick","blank":true,"reference":{"_ref":"788d5dbc-ae2b-498c-a293-d8211bffcfed","_type":"reference"}}],"style":"normal"},{"_key":"c65a2c8fd6de","_type":"block","children":[{"_key":"18c949439604","_type":"span","marks":[],"text":""},{"_key":"239158f1418b","_type":"mainAnchor","pageAnchor":{"_ref":"e97b4e63-6dbd-4a2e-b41c-60249c87f6a8","_type":"reference"}},{"_key":"dbd31c5fc46f0","_type":"span","marks":[],"text":"Can you invest in bonds with Fidelity?"}],"markDefs":[],"style":"h3"},{"_key":"89d3b933eed0","_type":"block","children":[{"_key":"dabbd126a0d10","_type":"span","marks":[],"text":"No, it is not possible to invest directly in bonds with Fidelity. However, many of the funds on Fidelity – its own ones and those run by other fund managers – invest in bonds, so it is still possible to get exposure to bonds as part of other investments."}],"markDefs":[],"style":"normal"},{"_key":"859c49b057cc","_type":"block","children":[{"_key":"5996f807287b","_type":"span","marks":[],"text":""},{"_key":"2ebdfa2385d6","_type":"mainAnchor","pageAnchor":{"_ref":"2b0bc83e-f74d-4d79-bde5-897aba72c9ba","_type":"reference"}},{"_key":"a018aef36b4f0","_type":"span","marks":[],"text":"Does Fidelity have an app?"}],"markDefs":[],"style":"h3"},{"_key":"72e4f115f8e4","_type":"block","children":[{"_key":"fb5b7756f8470","_type":"span","marks":[],"text":"Yes, Fidelity has an app for UK customers. You can download it on the "},{"_key":"d56a6c37870f","_type":"span","marks":["346db017aa18"],"text":"Google Play Store"},{"_key":"51c443e59d4e","_type":"span","marks":[],"text":" and "},{"_key":"b4867e4bb3c2","_type":"span","marks":["c5c1d537329c"],"text":"App Store"},{"_key":"c340818eabaa","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"346db017aa18","_type":"internalLinkPick","blank":true,"reference":{"_ref":"cca567f7-a5b1-4e7b-912f-2a80a722a28c","_type":"reference"}},{"_key":"c5c1d537329c","_type":"internalLinkPick","blank":true,"reference":{"_ref":"c896386e-0837-4a48-834a-1680f1dd710f","_type":"reference"}}],"style":"normal"},{"LeftSideText":[{"_key":"4a79ea0b378f","_type":"block","children":[{"_key":"935be8846a08","_type":"span","marks":["strong"],"text":"Visit the Fidelity website for more information"}],"markDefs":[],"style":"normal"}],"_key":"09d429e1b79f","_type":"ctaWidget","openNewTab":true,"partner":true,"reference":{"_ref":"447459c4-290e-474b-b6ab-ee141dee49a6","_type":"reference"},"text":"VISIT SITE "},{"_key":"f0d81a7b217c","_type":"block","children":[{"_key":"ee7e5d95b33f","_type":"span","marks":[],"text":""},{"_key":"027d17f55ed6","_type":"mainAnchor","pageAnchor":{"_ref":"08f91d37-f8e6-4d45-bf2f-c8d9fb950e62","_type":"reference"}},{"_key":"c031fd549b8b","_type":"span","marks":[],"text":"Glossary"}],"markDefs":[],"style":"h2"},{"LeftSideText":[{"_key":"fee6100bb3ec","_type":"block","children":[{"_key":"e8efc3d7ce4a","_type":"span","marks":["strong"],"text":"Not 100% sure you understand something we’ve written in this review? "}],"markDefs":[],"style":"normal"},{"_key":"9acb1a0520ad","_type":"block","children":[{"_key":"1b19a24ae829","_type":"span","marks":[],"text":"Discover jargon-free definitions of the most common words and technical terms used in the world of investing."}],"markDefs":[],"style":"normal"}],"_key":"e9e3c4e6a3da","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"5d7b7a10-93b8-4e8e-b898-eeb81f7bb976","_type":"reference"},"text":"CLICK HERE"},{"_key":"5dab0c2f4304","_type":"block","children":[{"_key":"b1f5ec3fe857","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3ce205101f11","_type":"textboxWidget","text":[{"_key":"5897c9c5c6d6","_type":"block","children":[{"_key":"e44f5c9ca72f","_type":"span","marks":[],"text":"Historically, money invested for more than five years grows more than cash savings. Remember that investments can also fall, so you might not get all of your money back. Tax treatment depends on individual circumstances and may change."}],"markDefs":[],"style":"normal"}],"title":"Information: "}],"brazeCustomAttributes":[{"_key":"34acbd61e1e2","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_ProviderPage","customAttributeValue":"https://www.boringmoney.co.uk/isas-pensions/fidelity/"}],"brazeSubscriptionGroupId":"6ff8b394-c40b-4cb3-9396-e41096e561af","brazeSubscriptionRef":null,"categories":[{"_key":"9ec3355d85c6","_ref":"2845ba64-de47-4336-abc9-216ccbb41a52","_type":"reference"}],"company":{"_ref":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","_type":"reference"},"emailSignupWidgetButtonText":"READ FULL REVIEW","emailSignupWidgetParagraphText":"Boring Money conducts rigorous, year-round testing on Fidelity using our live account. Get total access to our research backed views, information on costs, charges and more.","enableGatedContent":true,"excerpt":[{"_key":"dc9247017af0","_type":"block","children":[{"_key":"e5ebb6cb189b","_type":"span","marks":[],"text":"Fidelity is a strong, solid choice for ISAs and pensions for mainstream investors who value strong support and research. There is a wealth of content for those who want to learn. It feels a bit unloved compared to peers in terms of recent developments and progress - it's all fine but is starting to feel a touch dated."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"d2cd5a2c5f7f","_type":"providerHeaderWidget","company":{"_ref":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","_type":"reference"}},{"_key":"772b133c22d0","_type":"block","children":[{"_key":"36518089706c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2bf77928071f","_type":"ourRatingWidget","company":{"_ref":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","_type":"reference"}},{"_key":"09ee41304c5f","_type":"block","children":[{"_key":"d697c4a59b100","_type":"span","marks":[],"text":"Are you searching for a well-established investment platform with comprehensive research tools? While many newer platforms focus on flashy features, finding one that balances institutional expertise with modern functionality can be challenging."}],"markDefs":[],"style":"normal"},{"_key":"fe07e1a4e043","_type":"block","children":[{"_key":"90a94677eff90","_type":"span","marks":[],"text":"Many investors assume that traditional investment firms like Fidelity must be expensive or technologically outdated. However, our analysis of Fidelity reveals some surprising insights about how this established player competes in today's digital investment landscape."}],"markDefs":[],"style":"normal"},{"_key":"9e9330ab37d4","_type":"block","children":[{"_key":"5bcd5596a81b0","_type":"span","marks":[],"text":"With its extensive investment options and five-decade history, Fidelity has earned trust - but are its fees competitive, and does its technology meet modern investors' needs?"}],"markDefs":[],"style":"normal"},{"_key":"2991f314bef3","_type":"block","children":[{"_key":"c3c8d6ea0e060","_type":"span","marks":[],"text":"What Our Analysis Revealed"}],"markDefs":[],"style":"h2"},{"_key":"332f6e8f1b1b","_type":"block","children":[{"_key":"9a31d07d403a0","_type":"span","marks":[],"text":"Our comprehensive review of Fidelity uncovered several key findings that could impact your investment decisions:"}],"markDefs":[],"style":"normal"},{"_key":"912e88d84d5a","_type":"textboxWidget","text":[{"_key":"bccedad8481f","_type":"block","children":[{"_key":"e796d327cad6","_type":"span","marks":[],"text":"A tiered fee structure that particularly benefits larger portfolios over £250,000, with significant savings for £1m+ accounts"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"3c54308a3492","_type":"block","children":[{"_key":"729338ab1aaa","_type":"span","marks":[],"text":"Extensive research tools and expert fund selection, though with some limitations in the digital experience"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e42710975d87","_type":"block","children":[{"_key":"42bdfe327a6e","_type":"span","marks":[],"text":"Strong customer support that earned multiple 2024 Best Buy awards, including Best for Investment Enthusiasts"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"81b082342d58","_type":"block","children":[{"_key":"9dd9d39223cc0","_type":"span","marks":[],"text":"Understanding Fidelity's Approach"}],"markDefs":[],"style":"h2"},{"_key":"13e95b3b45d1","_type":"block","children":[{"_key":"cfea07ba11720","_type":"span","marks":[],"text":"Let's examine Fidelity's core offering: traditional investment management with modern accessibility. While the platform offers thousands of investment options, our analysis shows that the experience varies significantly based on your portfolio size and investment style."}],"markDefs":[],"style":"normal"},{"_key":"544c98980fd3","_type":"block","children":[{"_key":"81a77519fb410","_type":"span","marks":[],"text":"For instance, their service fee structure of 0.35% for accounts under £250,000 might seem straightforward, but when combined with trading costs and minimum investment requirements..."}],"markDefs":[],"style":"normal"},{"_key":"db09c9c5a702","_type":"block","children":[{"_key":"1879cc99e9ed0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"hideTitle":false,"linkMenu":[{"_key":"1767c0a61de6","_ref":"3c1d3567-54b9-425b-8622-f93cbb73ebc4","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":"fidelity","asset":{"_ref":"image-50f2deef6d0aed6f863cdd16614fa34e1a0998be-150x150-svg","_type":"reference"}},"pageBreadcrumb":{"_ref":"ae7316ad-7175-471c-a0b6-49a3341707d2","_type":"reference"},"publishedAt":"2025-01-01T09:41:00.000Z","slug":{"_type":"slug","current":"fidelity"},"subfolder":{"_ref":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"reference"},"subtitle":"Independent review by Boring Money","template":"C-SB","textNextToKey":"Sign up for Free to Continue Reading","title":"Is Fidelity good for investing?","widgets":[{"_key":"26ff3d64334c","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"},{"_key":"80da4a373d3d","_ref":"3fefd2ec-9177-427c-9149-529cd1417d24","_type":"reference"}],"id":"-1a1b1724-954a-525d-8ff7-e573db335315","children":[],"parent":null},"showBBTable":true,"visibleReadMoreText":[{"_key":"32dea117a80d","_type":"block","children":[{"_key":"ec599991f6e0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4f8846c8bbd1","_type":"block","children":[{"_key":"c3c4443c04530","_type":"span","marks":[],"text":"Fidelity is a massive American brand which is very thorough, responsible and solid. The site is full of research and information which is clearly presented and well-executed. The charges are fair and the website is improving. They are not a sustainable specialist, more a generalist, so will appeal to those who want help to pick third-party options, not get everything from one single provider."}],"markDefs":[],"style":"normal"},{"_key":"327c509d7488","_type":"block","children":[{"_key":"b02af1efaa670","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8686b4a20453","_type":"block","children":[{"_key":"1ac98e28f0190","_type":"span","marks":[],"text":"We include them here because the research section is very helpful for customers in helping them to shortlist, research and select sustainable funds which map to their personal criteria and preferences."}],"markDefs":[],"style":"normal"}],"visibleReference":{"_id":"431c36f8-1a74-492f-ae46-da2b8fe6894d","_type":"linkCategory","_rev":"72u5hbc655LDWQSxQK470I","_createdAt":"2022-11-03T14:31:48Z","_updatedAt":"2022-11-03T14:31:48Z","url":"https://bit.ly/3NDYgtJ","id":"-656fb358-573b-5431-b9fd-dc5a4500b65c","children":[],"parent":null},"wouldRecommendRating":81.64,"yourRating":"7","id":"-93b1acbe-7963-53fb-908c-862d71012ba2","children":[],"parent":null},"emailSignupWidgetButtonText":"READ FULL REVIEW","emailSignupWidgetParagraphText":"Boring Money conducts rigorous, year-round testing on Fidelity using our live account. Get total access to our research backed views, information on costs, charges and more.","enableGatedContent":true,"excerpt":[{"_key":"dc9247017af0","_type":"block","children":[{"_key":"e5ebb6cb189b","_type":"span","marks":[],"text":"Fidelity is a strong, solid choice for ISAs and pensions for mainstream investors who value strong support and research. There is a wealth of content for those who want to learn. It feels a bit unloved compared to peers in terms of recent developments and progress - it's all fine but is starting to feel a touch dated."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"d2cd5a2c5f7f","_type":"providerHeaderWidget","company":{"_id":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","_type":"companyCategory","_rev":"Q6z14aedR34UCXcxUmilUk","_createdAt":"2021-09-22T15:40:08Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","rev":"BR99o6YSojcZSyho0bo3Ys"}},"bestBuyAward":{"_ref":"b7bce671-e80a-4ede-8647-4042031ea64a","_type":"reference"},"bestBuyAwardVisible":{"_ref":"eaa64ff3-3087-49f7-a5f0-83f69aec6233","_type":"reference"},"bestBuyType":"ISA","body":[{"_key":"bd75f60433b6","_type":"block","children":[{"_key":"41cca6e409b1","_type":"span","marks":[],"text":"Fidelity is a massive American brand which is very thorough, responsible and solid. The site is full of research and information which is clearly presented and well-executed. The charges are fair and the website is improving. They are not a sustainable specialist, more a generalist, so will appeal to those who want help to pick third-party options, not get everything from one single provider."}],"markDefs":[],"style":"normal"},{"_key":"cbdb19c7dc16","_type":"block","children":[{"_key":"a7f4fbeb1dcb0","_type":"span","marks":[],"text":"We include them here because the research section is very helpful for customers in helping them to shortlist, research and select sustainable funds which map to their personal criteria and preferences."}],"markDefs":[],"style":"normal"}],"companyBBCats":["DIY","BIGBRAND"],"companyDisplayName":"Fidelity","companyLogo":{"_type":"mainImage","alt":"Fidelity","asset":{"_ref":"image-9d1590372d4676569d8c778783e9d332accdc9d8-1000x1000-jpg","_type":"reference"}},"companyName":"ISA Fidelity","comparisonCriteria":[{"_key":"e8a21cbb78c2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"75d195a27188","_type":"block","children":[{"_key":"f5e44c6181c5","_type":"span","marks":[],"text":"A safe, solid global player which has recently improved its website for investors. Recent changes include improved share dealing services and performance reporting."}],"markDefs":[],"style":"normal"}]},{"_key":"a67a9f5274f8","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"8899ebfcaf44","_type":"block","children":[{"_key":"15df9b8d68cc","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"f58ac7228c81","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"c9df47a28488","_type":"block","children":[{"_key":"9f76408b709e","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"ec7fbf83cc57","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"49f824dcb7b4","_type":"block","children":[{"_key":"bd4e1aed817e","_type":"span","marks":[],"text":"Funds: 0.35% (for a value between £7.5k and £250k)"}],"markDefs":[],"style":"normal"},{"_key":"5d1e9bb5bf54","_type":"block","children":[{"_key":"967c8e21094e","_type":"span","marks":[],"text":"Shares: 0.35% (max £45 per year) (for a value more than £7.5k)"}],"markDefs":[],"style":"normal"}]},{"_key":"6a23b6871e82","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"aef4036bb941","_type":"block","children":[{"_key":"378ab7b22658","_type":"span","marks":[],"text":"Funds: free"}],"markDefs":[],"style":"normal"},{"_key":"491b38aecf42","_type":"block","children":[{"_key":"64e8937e24ae","_type":"span","marks":[],"text":"Shares: £10"}],"markDefs":[],"style":"normal"}]},{"_key":"8b8c26d4c4be","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"0ce2dd1fa821","_type":"block","children":[{"_key":"52d9c2e94e26","_type":"span","marks":[],"text":"N/A"}],"markDefs":[],"style":"normal"}]},{"_key":"b1120d77cc36","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"f9d00eb06ccb","_type":"block","children":[{"_key":"770948f1871e","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"91b8b19f016f","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"8da05fe13441","_type":"block","children":[{"_key":"d516cd918ff8","_type":"span","marks":[],"text":"No"}],"markDefs":[],"style":"normal"}]},{"_key":"d2190871d889","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"412aa10449b9","_type":"block","children":[{"_key":"caafedbe4ce4","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"cde1dbf2aa3d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"b118f43f8300","_type":"block","children":[{"_key":"f1cf259d8892","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"7e8240c12f50","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"250b903f1e9f","_type":"block","children":[{"_key":"84081e0b0a9d","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"cc651389a87d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"d432f5fd8ebd","_type":"block","children":[{"_key":"eeadbb517dae","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"26230f42620a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"5411d118e3fc","_type":"block","children":[{"_key":"66f597c75b0b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8425c99a3fb0","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"9b360f7c576a","_type":"block","children":[{"_key":"d02fa067b96b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"6BD1BAC0-3F13-4DA8-A1DA-7CEFA7EAB7AC","inANutshell":["Large, secure global company ","Good investment research tools","Expensive for portfolios under £25k unless you have a regular savings plan"],"mostPopularRank":7,"noOfReviews":"1689","ourRating":"8","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"447459c4-290e-474b-b6ab-ee141dee49a6","_type":"reference"},"reviewReference":{"_ref":"6b9c10a5-2223-4a20-98fb-55323cda4a35","_type":"reference"},"showBBTable":true,"visibleReadMoreText":[{"_key":"32dea117a80d","_type":"block","children":[{"_key":"ec599991f6e0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4f8846c8bbd1","_type":"block","children":[{"_key":"c3c4443c04530","_type":"span","marks":[],"text":"Fidelity is a massive American brand which is very thorough, responsible and solid. The site is full of research and information which is clearly presented and well-executed. The charges are fair and the website is improving. They are not a sustainable specialist, more a generalist, so will appeal to those who want help to pick third-party options, not get everything from one single provider."}],"markDefs":[],"style":"normal"},{"_key":"327c509d7488","_type":"block","children":[{"_key":"b02af1efaa670","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8686b4a20453","_type":"block","children":[{"_key":"1ac98e28f0190","_type":"span","marks":[],"text":"We include them here because the research section is very helpful for customers in helping them to shortlist, research and select sustainable funds which map to their personal criteria and preferences."}],"markDefs":[],"style":"normal"}],"visibleReference":{"_ref":"431c36f8-1a74-492f-ae46-da2b8fe6894d","_type":"reference"},"wouldRecommendRating":81.64,"yourRating":"7","id":"-93b1acbe-7963-53fb-908c-862d71012ba2","children":[],"parent":null}},{"_key":"772b133c22d0","_type":"block","children":[{"_key":"36518089706c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2bf77928071f","_type":"ourRatingWidget","company":{"_id":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","_type":"companyCategory","_rev":"Q6z14aedR34UCXcxUmilUk","_createdAt":"2021-09-22T15:40:08Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"ecd93cfd-d5df-4a73-a0bc-f542df2514a7","rev":"BR99o6YSojcZSyho0bo3Ys"}},"bestBuyAward":{"_ref":"b7bce671-e80a-4ede-8647-4042031ea64a","_type":"reference"},"bestBuyAwardVisible":{"_ref":"eaa64ff3-3087-49f7-a5f0-83f69aec6233","_type":"reference"},"bestBuyType":"ISA","body":[{"_key":"bd75f60433b6","_type":"block","children":[{"_key":"41cca6e409b1","_type":"span","marks":[],"text":"Fidelity is a massive American brand which is very thorough, responsible and solid. The site is full of research and information which is clearly presented and well-executed. The charges are fair and the website is improving. They are not a sustainable specialist, more a generalist, so will appeal to those who want help to pick third-party options, not get everything from one single provider."}],"markDefs":[],"style":"normal"},{"_key":"cbdb19c7dc16","_type":"block","children":[{"_key":"a7f4fbeb1dcb0","_type":"span","marks":[],"text":"We include them here because the research section is very helpful for customers in helping them to shortlist, research and select sustainable funds which map to their personal criteria and preferences."}],"markDefs":[],"style":"normal"}],"companyBBCats":["DIY","BIGBRAND"],"companyDisplayName":"Fidelity","companyLogo":{"_type":"mainImage","alt":"Fidelity","asset":{"_ref":"image-9d1590372d4676569d8c778783e9d332accdc9d8-1000x1000-jpg","_type":"reference"}},"companyName":"ISA Fidelity","comparisonCriteria":[{"_key":"e8a21cbb78c2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"75d195a27188","_type":"block","children":[{"_key":"f5e44c6181c5","_type":"span","marks":[],"text":"A safe, solid global player which has recently improved its website for investors. Recent changes include improved share dealing services and performance reporting."}],"markDefs":[],"style":"normal"}]},{"_key":"a67a9f5274f8","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"8899ebfcaf44","_type":"block","children":[{"_key":"15df9b8d68cc","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"f58ac7228c81","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"c9df47a28488","_type":"block","children":[{"_key":"9f76408b709e","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"ec7fbf83cc57","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"49f824dcb7b4","_type":"block","children":[{"_key":"bd4e1aed817e","_type":"span","marks":[],"text":"Funds: 0.35% (for a value between £7.5k and £250k)"}],"markDefs":[],"style":"normal"},{"_key":"5d1e9bb5bf54","_type":"block","children":[{"_key":"967c8e21094e","_type":"span","marks":[],"text":"Shares: 0.35% (max £45 per year) (for a value more than £7.5k)"}],"markDefs":[],"style":"normal"}]},{"_key":"6a23b6871e82","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"aef4036bb941","_type":"block","children":[{"_key":"378ab7b22658","_type":"span","marks":[],"text":"Funds: free"}],"markDefs":[],"style":"normal"},{"_key":"491b38aecf42","_type":"block","children":[{"_key":"64e8937e24ae","_type":"span","marks":[],"text":"Shares: £10"}],"markDefs":[],"style":"normal"}]},{"_key":"8b8c26d4c4be","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"0ce2dd1fa821","_type":"block","children":[{"_key":"52d9c2e94e26","_type":"span","marks":[],"text":"N/A"}],"markDefs":[],"style":"normal"}]},{"_key":"b1120d77cc36","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"f9d00eb06ccb","_type":"block","children":[{"_key":"770948f1871e","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"91b8b19f016f","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"8da05fe13441","_type":"block","children":[{"_key":"d516cd918ff8","_type":"span","marks":[],"text":"No"}],"markDefs":[],"style":"normal"}]},{"_key":"d2190871d889","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"412aa10449b9","_type":"block","children":[{"_key":"caafedbe4ce4","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"cde1dbf2aa3d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"b118f43f8300","_type":"block","children":[{"_key":"f1cf259d8892","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"7e8240c12f50","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"250b903f1e9f","_type":"block","children":[{"_key":"84081e0b0a9d","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"cc651389a87d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"d432f5fd8ebd","_type":"block","children":[{"_key":"eeadbb517dae","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"26230f42620a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"5411d118e3fc","_type":"block","children":[{"_key":"66f597c75b0b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8425c99a3fb0","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"9b360f7c576a","_type":"block","children":[{"_key":"d02fa067b96b","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"6BD1BAC0-3F13-4DA8-A1DA-7CEFA7EAB7AC","inANutshell":["Large, secure global company ","Good investment research tools","Expensive for portfolios under £25k unless you have a regular savings plan"],"mostPopularRank":7,"noOfReviews":"1689","ourRating":"8","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"447459c4-290e-474b-b6ab-ee141dee49a6","_type":"reference"},"reviewReference":{"_ref":"6b9c10a5-2223-4a20-98fb-55323cda4a35","_type":"reference"},"showBBTable":true,"visibleReadMoreText":[{"_key":"32dea117a80d","_type":"block","children":[{"_key":"ec599991f6e0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4f8846c8bbd1","_type":"block","children":[{"_key":"c3c4443c04530","_type":"span","marks":[],"text":"Fidelity is a massive American brand which is very thorough, responsible and solid. The site is full of research and information which is clearly presented and well-executed. The charges are fair and the website is improving. They are not a sustainable specialist, more a generalist, so will appeal to those who want help to pick third-party options, not get everything from one single provider."}],"markDefs":[],"style":"normal"},{"_key":"327c509d7488","_type":"block","children":[{"_key":"b02af1efaa670","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8686b4a20453","_type":"block","children":[{"_key":"1ac98e28f0190","_type":"span","marks":[],"text":"We include them here because the research section is very helpful for customers in helping them to shortlist, research and select sustainable funds which map to their personal criteria and preferences."}],"markDefs":[],"style":"normal"}],"visibleReference":{"_ref":"431c36f8-1a74-492f-ae46-da2b8fe6894d","_type":"reference"},"wouldRecommendRating":81.64,"yourRating":"7","id":"-93b1acbe-7963-53fb-908c-862d71012ba2","children":[],"parent":null}},{"_key":"09ee41304c5f","_type":"block","children":[{"_key":"d697c4a59b100","_type":"span","marks":[],"text":"Are you searching for a well-established investment platform with comprehensive research tools? While many newer platforms focus on flashy features, finding one that balances institutional expertise with modern functionality can be challenging."}],"markDefs":[],"style":"normal"},{"_key":"fe07e1a4e043","_type":"block","children":[{"_key":"90a94677eff90","_type":"span","marks":[],"text":"Many investors assume that traditional investment firms like Fidelity must be expensive or technologically outdated. However, our analysis of Fidelity reveals some surprising insights about how this established player competes in today's digital investment landscape."}],"markDefs":[],"style":"normal"},{"_key":"9e9330ab37d4","_type":"block","children":[{"_key":"5bcd5596a81b0","_type":"span","marks":[],"text":"With its extensive investment options and five-decade history, Fidelity has earned trust - but are its fees competitive, and does its technology meet modern investors' needs?"}],"markDefs":[],"style":"normal"},{"_key":"2991f314bef3","_type":"block","children":[{"_key":"c3c8d6ea0e060","_type":"span","marks":[],"text":"What Our Analysis Revealed"}],"markDefs":[],"style":"h2"},{"_key":"332f6e8f1b1b","_type":"block","children":[{"_key":"9a31d07d403a0","_type":"span","marks":[],"text":"Our comprehensive review of Fidelity uncovered several key findings that could impact your investment decisions:"}],"markDefs":[],"style":"normal"},{"_key":"912e88d84d5a","_type":"textboxWidget","text":[{"_key":"bccedad8481f","_type":"block","children":[{"_key":"e796d327cad6","_type":"span","marks":[],"text":"A tiered fee structure that particularly benefits larger portfolios over £250,000, with significant savings for £1m+ accounts"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"3c54308a3492","_type":"block","children":[{"_key":"729338ab1aaa","_type":"span","marks":[],"text":"Extensive research tools and expert fund selection, though with some limitations in the digital experience"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e42710975d87","_type":"block","children":[{"_key":"42bdfe327a6e","_type":"span","marks":[],"text":"Strong customer support that earned multiple 2024 Best Buy awards, including Best for Investment Enthusiasts"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"81b082342d58","_type":"block","children":[{"_key":"9dd9d39223cc0","_type":"span","marks":[],"text":"Understanding Fidelity's Approach"}],"markDefs":[],"style":"h2"},{"_key":"13e95b3b45d1","_type":"block","children":[{"_key":"cfea07ba11720","_type":"span","marks":[],"text":"Let's examine Fidelity's core offering: traditional investment management with modern accessibility. While the platform offers thousands of investment options, our analysis shows that the experience varies significantly based on your portfolio size and investment style."}],"markDefs":[],"style":"normal"},{"_key":"544c98980fd3","_type":"block","children":[{"_key":"81a77519fb410","_type":"span","marks":[],"text":"For instance, their service fee structure of 0.35% for accounts under £250,000 might seem straightforward, but when combined with trading costs and minimum investment requirements..."}],"markDefs":[],"style":"normal"},{"_key":"db09c9c5a702","_type":"block","children":[{"_key":"1879cc99e9ed0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"hideTitle":false,"linkMenu":[{"_id":"3c1d3567-54b9-425b-8622-f93cbb73ebc4","_type":"pageAnchorMenu","_rev":"sfgTSlnhpYyCaQr2aRxCFu","_createdAt":"2024-01-19T14:11:25Z","_updatedAt":"2024-01-19T14:13:07Z","menuLinksTop":[{"_key":"02cdada8f974","_type":"pageAnchorMenuTop","reference":{"_ref":"9ea52ac4-3bb8-4fe4-b8ea-2c2a5e9004cf","_type":"reference"},"text":"Boring Money's rating"},{"_key":"f2aaacd04f07","_type":"pageAnchorMenuTop","reference":{"_ref":"e17eb14a-5082-4a31-911c-e8cf2665fa72","_type":"reference"},"text":"Investment expert's opinion"},{"_key":"7e71e2ff529b","_type":"pageAnchorMenuTop","reference":{"_ref":"522348ce-ba06-4d6e-9a76-bf943875d0cf","_type":"reference"},"text":"Who is Fidelity?"},{"_key":"51932ef7d45f","_type":"pageAnchorMenuTop","reference":{"_ref":"cf6f26cf-1a25-40c6-b9bc-7eea852a160b","_type":"reference"},"text":"Who is Fidelity good for?"},{"_key":"228ebd8d4a41","_type":"pageAnchorMenuTop","reference":{"_ref":"68a2740c-2fdd-48f2-a439-70e9257fa1dc","_type":"reference"},"text":"Pros and cons"},{"_key":"d93eeb53148a","_type":"pageAnchorMenuTop","reference":{"_ref":"9e51cdf7-15a0-4f71-a312-6ed8618ed389","_type":"reference"},"text":"Investments"},{"_key":"4ecd777294d6","_type":"pageAnchorMenuTop","menuChildLinks":[{"_key":"21249e30db38","_type":"pageAnchorMenuChild","reference":{"_ref":"2c997e7d-1bea-4476-9de0-5ed9b0515370","_type":"reference"},"text":"ISA"},{"_key":"9ff7d3722aa5","_type":"pageAnchorMenuChild","reference":{"_ref":"ff57f94f-5ad4-4b79-b2cb-f15cbcbe2361","_type":"reference"},"text":"Pension"},{"_key":"e2aca742c98e","_type":"pageAnchorMenuChild","reference":{"_ref":"ee27d09d-a3cd-4792-9e2a-c3c517b2e0b2","_type":"reference"},"text":"JISA"}],"reference":{"_ref":"605cc8d4-a85e-4d6d-94d8-0c4cbebac403","_type":"reference"},"text":"Accounts"},{"_key":"0714d085963b","_type":"pageAnchorMenuTop","reference":{"_ref":"4e980c11-5605-4480-b5cf-9ef6d1970af0","_type":"reference"},"text":"Fees and charges"},{"_key":"1f4af0346b6c","_type":"pageAnchorMenuTop","reference":{"_ref":"9a9a5fd8-03e4-41c0-8bb9-96205fa99fa0","_type":"reference"},"text":"Customer reviews"},{"_key":"d67481701025","_type":"pageAnchorMenuTop","menuChildLinks":[{"_key":"96058d7aa1fa","_type":"pageAnchorMenuChild","reference":{"_ref":"d1046785-69e9-496b-ad81-606ac5827160","_type":"reference"},"text":"Is Fidelity safe?"},{"_key":"54318affbafb","_type":"pageAnchorMenuChild","reference":{"_ref":"a1172240-67d2-4919-9be2-18c7f4bbe583","_type":"reference"},"text":"Can you invest in Vanguard funds with Fidelity?"},{"_key":"59bf58775478","_type":"pageAnchorMenuChild","reference":{"_ref":"820962dd-5c0b-4b27-95bc-9e17c41440a4","_type":"reference"},"text":"Can you invest in individual shares with Fidelity?"},{"_key":"d8e860584c10","_type":"pageAnchorMenuChild","reference":{"_ref":"e97b4e63-6dbd-4a2e-b41c-60249c87f6a8","_type":"reference"},"text":"Can you invest in bonds with Fidelity?"},{"_key":"b5704f896d32","_type":"pageAnchorMenuChild","reference":{"_ref":"2b0bc83e-f74d-4d79-bde5-897aba72c9ba","_type":"reference"},"text":"Does Fidelity have an app?"}],"reference":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"},"text":"Most asked questions"},{"_key":"7055c61643f7","_type":"pageAnchorMenuTop","reference":{"_ref":"08f91d37-f8e6-4d45-bf2f-c8d9fb950e62","_type":"reference"},"text":"Glossary"}],"menuTitle":"In this review","pageRef":"Fidelity review","id":"-33272208-cd81-58c0-beaa-b91c747a6380","children":[],"parent":null}],"mainImage":{"_type":"mainImage","alt":"fidelity","asset":{"_id":"image-50f2deef6d0aed6f863cdd16614fa34e1a0998be-150x150-svg","_type":"sanity.imageAsset","_rev":"ofM7EIDfnwHVEh3rYtl4FS","_createdAt":"2022-03-15T09:25:30Z","_updatedAt":"2022-03-15T09:25:30Z","assetId":"50f2deef6d0aed6f863cdd16614fa34e1a0998be","extension":"svg","metadata":{"_type":"sanity.imageMetadata","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1,"height":150,"width":150},"hasAlpha":true,"isOpaque":true,"lqip":"data:image/jpeg;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#4d7584","foreground":"#fff","population":0.47,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#14678b","foreground":"#fff","population":2.24,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#bc3b30","foreground":"#fff","population":2.38,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#b18d7e","foreground":"#000","population":0.16,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#ec8494","foreground":"#000","population":0,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#a46c61","foreground":"#fff","population":0.04,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#bc3b30","foreground":"#fff","population":2.38,"title":"#fff"}}},"mimeType":"image/svg+xml","originalFilename":"Fidelity.svg","path":"images/k8qzcdw3/prod1503/50f2deef6d0aed6f863cdd16614fa34e1a0998be-150x150.svg","sha1hash":"38642b3c1fcf165c1f4136059a34fbde89bbf96c","size":24381,"uploadId":"CWwzaZ3cUWl204f4tfM65hxqaF5VmxSh","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/50f2deef6d0aed6f863cdd16614fa34e1a0998be-150x150.svg","filename":"Fidelity.svg","width":150,"height":150,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/50f2deef6d0aed6f863cdd16614fa34e1a0998be-150x150.svg?rect=25,0,100,150&w=%width%&h=%height%&q=80","id":"image-50f2deef6d0aed6f863cdd16614fa34e1a0998be-150x150-svg","children":[],"parent":null}},"pageBreadcrumb":{"_id":"ae7316ad-7175-471c-a0b6-49a3341707d2","_type":"breadcrumbCategory","_rev":"zvaiullU3KBZLgV7Tnu1af","_createdAt":"2024-01-19T13:33:04Z","_updatedAt":"2025-02-12T09:42:18Z","breadcrumbList":[{"_key":"3d0c467817b4","_type":"breadcrumbReference","linkReference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"title":"Compare Providers"},{"_key":"c351eaf23742","_type":"breadcrumbReference","linkReference":{"_ref":"6e1f16ab-e016-4f0e-829b-f3a0cb03fe76","_type":"reference"},"title":"Independent Provider Reviews"},{"_key":"a584fb2c7d55","_type":"breadcrumbReference","linkReference":{"_ref":"6b9c10a5-2223-4a20-98fb-55323cda4a35","_type":"reference"},"title":"Fidelity "}],"breadcrumbName":"Fidelity Provider Review","id":"-e2693e0b-f436-5409-bb68-3b3b439f2890","children":[],"parent":null},"publishedAt":"2025-01-01T09:41:00.000Z","slug":{"_type":"slug","current":"fidelity"},"subfolder":{"_id":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"folderCategory","_rev":"cQD0A3OGksV3pY6pYH47mV","_createdAt":"2021-06-14T19:24:49Z","_updatedAt":"2023-02-15T16:24:35Z","folder":"/isas-pensions/","id":"-f5695f01-adc9-59c8-91c1-c9304ad10ae9","children":[],"parent":null},"subtitle":"Independent review by Boring Money","template":"C-SB","textNextToKey":"Sign up for Free to Continue Reading","title":"Is Fidelity good for investing?","widgets":[{"_id":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"widgetCategory","_rev":"6AfP3xqI2sTk1rcr1kqY3C","_createdAt":"2023-10-19T15:43:42Z","_updatedAt":"2024-07-03T09:31:20Z","body":[{"_key":"63e5f12073a5","_type":"block","children":[{"_key":"d5d397dd4cdf","_type":"span","marks":[],"text":"Join our Research Panel"}],"markDefs":[],"style":"h4"},{"_key":"9d6941374f0a","_type":"block","children":[{"_key":"1867bfe56a21","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19a818c5c3ad","_type":"block","children":[{"_key":"9a839e0551030","_type":"span","marks":[],"text":"Join thousands of people earning cash or rewards for giving their honest feedback. Click here to become a member of the Boring Money Research Panel today!"}],"markDefs":[],"style":"normal"},{"_key":"67e84088f0cd","_type":"block","children":[{"_key":"696b7993b062","_type":"span","marks":["strong"],"text":"Click here to get started!"}],"markDefs":[],"style":"normal"}],"linkReference":{"_id":"04249739-c1d1-4d9d-83eb-cd744f57ff49","_type":"landingPage","_rev":"6GQVMObKpWvjCX4LMv16E8","_createdAt":"2022-10-17T14:37:39Z","_updatedAt":"2025-05-13T16:31:52Z","content":[{"_key":"74e7fd3abf29","_type":"breadcrumb","breadcrumbs":[{"_key":"760b0d086b58","_type":"breadcrumbReference","linkReference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"title":"Home"},{"_key":"51053ad53a6c","_type":"breadcrumbReference","linkReference":{"_ref":"04249739-c1d1-4d9d-83eb-cd744f57ff49","_type":"reference"},"title":"Join our Research Panel"}]},{"_key":"a2a6be9a8635","_type":"heroSection","alignment":"Text Right","brazeCustomAttributes":[{"_key":"67f0ea99eda3","_type":"brazeCustomAttribute","customAttributeKey":"Army_Registered","customAttributeValue":"true"}],"introPara":[{"_key":"2c329b713300","_type":"block","children":[{"_key":"0c24a9062019","_type":"span","marks":[],"text":"Join our Research Panel"}],"markDefs":[],"style":"h1"},{"_key":"672b6cabc1a4","_type":"block","children":[{"_key":"0616bdbc497e0","_type":"span","marks":[],"text":"Our aim is to make the world of finance more transparent and clearer to understand. To do that, we need "},{"_key":"3302b649ba84","_type":"span","marks":["em"],"text":"you "},{"_key":"bc3dd484ce7f","_type":"span","marks":[],"text":"to try things out, share your opinions, and tell us what you like. Join now, share your views and earn money in the process!"}],"markDefs":[],"style":"normal"},{"_key":"ba6596789058","_type":"dataCaptureForm","brazeCustomAttributes":[{"_key":"107edd26f870","_type":"brazeCustomAttribute","customAttributeKey":"Army_Registered","customAttributeValue":"TRUE"}],"dataCaptureInputs":[{"_key":"b6963c60830a","_type":"dataCaptureInputItem","inputFieldLabel":"Join now","inputFieldPlaceholderText":"Enter your email","inputFieldType":"Email","requiredField":true}],"linkText":"START REGISTRATION","signupRedirectLink":"/boring-money-army-new-member-survey/"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-0257851b48d343eb46fdd3cf8352218cbf8351dc-3840x2160-png","_type":"reference"}},"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"showEmailCapture":false,"styles":"Half-Padding-White","thankYouText":[{"_key":"bf44527c5651","_type":"block","children":[{"_key":"aada7930f5a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h2"}],"title":"We're on a mission!"},{"_key":"ae17bd7c3627ee07d8e89dc0d604cb72","_type":"heroSection","alignment":"Text Left","introPara":[{"_key":"68e164de91c1","_type":"block","children":[{"_key":"8cdb10a201db","_type":"span","marks":[],"text":"Our financial investment projects are conducted periodically throughout the year. Panel members are selected based on project needs, and compensation is provided at market rates."}],"markDefs":[],"style":"normal"},{"_key":"59c83fb1810c","_type":"block","children":[{"_key":"5d5676314fe1","_type":"span","marks":[],"text":"Selection for surveys depends on the information provided in your onboarding survey, including details about your investment holdings, personal circumstances, and the specific research requirements.\n\nAdditionally, we periodically host competitions. Keep an eye out for updates, as we value community input during such events."}],"markDefs":[],"style":"normal"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-1c8144ee166236b51b9e465cfb7d7823600ffb7e-1920x1080-gif","_type":"reference"}},"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"showEmailCapture":false,"styles":"Half-Padding-White","thankYouText":[{"_key":"bf44527c5651","_type":"block","children":[{"_key":"aada7930f5a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h2"}],"title":"4 steps"},{"_key":"d4cb2e98d7e9","_type":"heroSection","alignment":"Text Left","introPara":[{"_key":"757beedbcf67","_type":"block","children":[{"_key":"0cb001c1c24f","_type":"span","marks":[],"text":"As a member of our Research Panel, you will:"}],"markDefs":[],"style":"h2"},{"_key":"a0f14a78f8ae","_type":"block","children":[{"_key":"0d7ac368fd9c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ea4be68eb6ff","_type":"block","children":[{"_key":"362c1304b243","_type":"span","marks":["strong"],"text":"- Participate in surveys and interviews of varying length and time commitments to suit you"}],"markDefs":[],"style":"normal"},{"_key":"8db92efdf5fc","_type":"block","children":[{"_key":"469a26997f0f","_type":"span","marks":["strong"],"text":"- Earn market research rates for your input"}],"markDefs":[],"style":"normal"},{"_key":"d9af5dab90aa","_type":"block","children":[{"_key":"f3988462b788","_type":"span","marks":["strong"],"text":"- Help us to help financial providers do better!"}],"markDefs":[],"style":"normal"},{"_key":"b01ee0ca0d5f","_type":"block","children":[{"_key":"19542cae94a5","_type":"span","marks":["em"],"text":"*We will not share your data with any third-party organisations. Boring Money research is all carried out in line with the Market Research Society’s Code of Conduct and the General Data Protection Regulation (GDPR)."}],"markDefs":[],"style":"small"}],"mainImage":{"_type":"mainImage","alt":"Join our research panel ","asset":{"_ref":"image-cb073362bd966c54fb865f9842900bdf044c16ff-997x574-png","_type":"reference"}},"reference":{"_ref":"04249739-c1d1-4d9d-83eb-cd744f57ff49","_type":"reference"},"styles":"Half-Padding-White","title":"Join our research panel"}],"publishedAt":"2022-10-17T14:22:47.096Z","slug":{"_type":"slug","current":"the-boring-money-army-wants-you"},"subfolder":{"_ref":"83495465-d1dd-4049-a955-b065009036e6","_type":"reference"},"subtitle":"Help our financially confused nation and make a few quid","theme":"Boring Money theme","title":"Join the Boring Money Research Panel","id":"-9872e0f5-bb4e-52ef-8be4-56cb16b4cdc5","children":[],"parent":null},"mainImage":{"_type":"mainImage","asset":{"_ref":"image-0257851b48d343eb46fdd3cf8352218cbf8351dc-3840x2160-png","_type":"reference"}},"title":"Join our research panel","widgetType":{"_id":"669510d5-9577-4ce3-b9f5-17a73b44c59d","_type":"widgetTypes","_rev":"DsHc46whJxIpNrcPyQeVGy","_createdAt":"2021-07-02T13:00:28Z","_updatedAt":"2021-07-02T13:00:28Z","title":"Image + text + link","id":"-cddbfca0-b9a5-5835-a5d3-c98208b12cdc","children":[],"parent":null},"id":"-f501c2f7-ff3e-5ac8-88b4-f5c5c30b9a2c","children":[],"parent":null},{"_id":"3fefd2ec-9177-427c-9149-529cd1417d24","_type":"widgetCategory","_rev":"mfgO8PbcFSLaqMaA8BmipS","_createdAt":"2021-07-28T08:56:55Z","_updatedAt":"2025-06-16T08:47:26Z","body":[{"_key":"2aa5b2aacbc9","_type":"block","children":[{"_key":"3ac8ab79e172","_type":"span","marks":[],"text":"Contact us"}],"markDefs":[],"style":"h4"},{"_key":"50da6f7a4168","_type":"block","children":[{"_key":"cbe5b44e78be","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f821331dc4dc","_type":"block","children":[{"_key":"c64105ad8f5c","_type":"span","marks":[],"text":"Have a question about money that we haven't answered? Need help making better money choices? "}],"markDefs":[],"style":"normal"},{"_key":"bd66c471e51a","_type":"block","children":[{"_key":"13924af1445a","_type":"span","marks":["strong"],"text":"Click here to contact our team."}],"markDefs":[],"style":"normal"}],"linkReference":{"_id":"789ad7dd-f1a8-4606-9075-20ecba5e0f6b","_type":"linkCategory","_rev":"lplVYZfWM6SeENm14p7rgN","_createdAt":"2022-10-11T10:42:09Z","_updatedAt":"2024-02-22T11:34:37Z","url":"mailto:community@boringmoney.co.uk","id":"-4036ead5-27b9-53f8-b172-b2a01e27899a","children":[],"parent":null},"mainImage":{"_type":"mainImage","alt":"Contact us","asset":{"_ref":"image-e9a1e7125646cbb15c91c1ff25e6372e00bcd890-1920x1080-png","_type":"reference"}},"title":"Contact us","widgetType":{"_id":"669510d5-9577-4ce3-b9f5-17a73b44c59d","_type":"widgetTypes","_rev":"DsHc46whJxIpNrcPyQeVGy","_createdAt":"2021-07-02T13:00:28Z","_updatedAt":"2021-07-02T13:00:28Z","title":"Image + text + link","id":"-cddbfca0-b9a5-5835-a5d3-c98208b12cdc","children":[],"parent":null},"id":"-3372d7ad-076b-59de-ab05-cb9c3fdeaef7","children":[],"parent":null}],"id":"-1a1b1724-954a-525d-8ff7-e573db335315","children":[],"parent":null},"showBBTable":true,"visibleReadMoreText":[{"_key":"32dea117a80d","_type":"block","children":[{"_key":"ec599991f6e0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4f8846c8bbd1","_type":"block","children":[{"_key":"c3c4443c04530","_type":"span","marks":[],"text":"Fidelity is a massive American brand which is very thorough, responsible and solid. The site is full of research and information which is clearly presented and well-executed. The charges are fair and the website is improving. They are not a sustainable specialist, more a generalist, so will appeal to those who want help to pick third-party options, not get everything from one single provider."}],"markDefs":[],"style":"normal"},{"_key":"327c509d7488","_type":"block","children":[{"_key":"b02af1efaa670","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8686b4a20453","_type":"block","children":[{"_key":"1ac98e28f0190","_type":"span","marks":[],"text":"We include them here because the research section is very helpful for customers in helping them to shortlist, research and select sustainable funds which map to their personal criteria and preferences."}],"markDefs":[],"style":"normal"}],"visibleReference":{"_id":"431c36f8-1a74-492f-ae46-da2b8fe6894d","_type":"linkCategory","_rev":"72u5hbc655LDWQSxQK470I","_createdAt":"2022-11-03T14:31:48Z","_updatedAt":"2022-11-03T14:31:48Z","url":"https://bit.ly/3NDYgtJ","id":"-656fb358-573b-5431-b9fd-dc5a4500b65c","children":[],"parent":null},"wouldRecommendRating":81.64,"yourRating":"7","id":"-93b1acbe-7963-53fb-908c-862d71012ba2","children":[],"parent":null}]},{"_key":"a55cce2542f8","_type":"block","children":[{"_key":"1516e130ebea","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dd7a096f69f5","_type":"blockQuote","adviserName":"Boring Money","jobTitle":"Tester and Analyst","quote":[{"_key":"e36d819438c0","_type":"block","children":[{"_key":"5d2c90d9b958","_type":"span","marks":[],"text":"Outstanding platform. Everything just works. The guidance is excellent, navigation is intuitive, and I can see my portfolio clearly. Would happily invest here."}],"markDefs":[],"style":"normal"}]},{"_key":"e5f67e45cd9e","_type":"block","children":[{"_key":"6ded2fa77007","_type":"span","marks":[],"text":"Hargreaves Lansdown"}],"markDefs":[],"style":"h3"},{"_key":"00ca7b25516d","_type":"prosConsWidget","prosTitle":"Best for: Comprehensive research and education"},{"_key":"92bd6672fa8a","_type":"recProviders","companies":[{"_id":"9c7f704c-4cba-4209-92f9-9f8a5c442695","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4cN","_createdAt":"2021-09-22T15:39:59Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"9c7f704c-4cba-4209-92f9-9f8a5c442695","rev":"0FvTSp1yYRm2ugsQpaKWkC"}},"bestBuyAward":{"_id":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"bestBuyAward","_rev":"0FvTSp1yYRm2ugsQpTGUfg","_createdAt":"2026-01-28T13:58:18Z","_updatedAt":"2026-01-28T15:22:02Z","_system":{"base":{"id":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","rev":"XeGAzLHcGDR0dnJYGdNqKN"}},"bestBuyCompareTableLogo":{"_type":"image","asset":{"_id":"image-007140428d612ce1b60906f9b595c70495cc175b-620x136-png","_type":"sanity.imageAsset","_rev":"ofM7EIDfnwHVEh3rYtkz66","_createdAt":"2022-03-15T09:25:25Z","_updatedAt":"2022-03-15T09:25:25Z","assetId":"007140428d612ce1b60906f9b595c70495cc175b","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"DNP}kupe0:IvE4~UtlI[jYoI","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":4.5588235294117645,"height":136,"width":620},"hasAlpha":true,"isOpaque":false,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#52472f","foreground":"#fff","population":1.94,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#cc960e","foreground":"#000","population":2.45,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#da9811","foreground":"#000","population":14.3,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#8e6d0a","foreground":"#fff","population":0,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f6d87f","foreground":"#000","population":3.21,"title":"#000"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#415189","foreground":"#fff","population":0.04,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#da9811","foreground":"#000","population":14.3,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"best buy pension award.png","path":"images/k8qzcdw3/prod1503/007140428d612ce1b60906f9b595c70495cc175b-620x136.png","sha1hash":"007140428d612ce1b60906f9b595c70495cc175b","size":56862,"uploadId":"Z9Z9DaHcIX0lcYQMmmE7dL8kVsbCoRL4","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/007140428d612ce1b60906f9b595c70495cc175b-620x136.png","filename":"best buy pension award.png","width":620,"height":136,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/007140428d612ce1b60906f9b595c70495cc175b-620x136.png?rect=265,0,91,136&w=%width%&h=%height%&q=80","id":"image-007140428d612ce1b60906f9b595c70495cc175b-620x136-png","children":[],"parent":null}},"informationPage":{"_id":"fc994c15-ecef-47c1-8b6b-3f316df1f542","_type":"linkCategory","_rev":"b73D4EYENYUMU6VfEhlVZi","_createdAt":"2026-01-28T14:12:12Z","_updatedAt":"2026-01-28T14:12:25Z","description":"Best ISA 2026","url":"https://www.boringmoney.co.uk/boring-money-awards/who-is-best-stocks-and-shares-isa-provider-for-2026/","id":"-a6043f43-8502-53ed-a7bc-dbf4cc3e4ead","children":[],"parent":null},"name":"Best Buy ISA 2026","providerPageLogo":{"_type":"image","asset":{"_id":"image-5153835585a1a06339ad0537a54dfafadd68dc20-3201x3200-png","_type":"sanity.imageAsset","_rev":"0FvTSp1yYRm2ugsQpTFBhQ","_createdAt":"2026-01-28T15:20:24Z","_updatedAt":"2026-01-28T15:20:24Z","assetId":"5153835585a1a06339ad0537a54dfafadd68dc20","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"eDN,e@xH00ix00?Fj[D*WBx]4TkV00IoXpBQaf=ft7In00xuDoR*~q","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.0003125,"height":3200,"width":3201},"hasAlpha":true,"isOpaque":false,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#26253f","foreground":"#fff","population":10.83,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#a06004","foreground":"#fff","population":0,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#26253f","foreground":"#fff","population":10.83,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#b7b7c3","foreground":"#000","population":0.52,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#fc64b4","foreground":"#000","population":0,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#7f7145","foreground":"#fff","population":0.07,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f0125f","foreground":"#fff","population":2.29,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"Best Buy ISA.png","path":"images/k8qzcdw3/prod1503/5153835585a1a06339ad0537a54dfafadd68dc20-3201x3200.png","sha1hash":"5153835585a1a06339ad0537a54dfafadd68dc20","size":638609,"uploadId":"E74CshsJAueuYRP8C9S80PqOddDGPjbI","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/5153835585a1a06339ad0537a54dfafadd68dc20-3201x3200.png","filename":"Best Buy ISA.png","width":3201,"height":3200,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/5153835585a1a06339ad0537a54dfafadd68dc20-3201x3200.png?rect=535,0,2133,3200&w=%width%&h=%height%&q=80","id":"image-5153835585a1a06339ad0537a54dfafadd68dc20-3201x3200-png","children":[],"parent":null}},"id":"-aa88658f-6979-553e-ae78-03d471c74923","children":[],"parent":null},"bestBuyAwardVisible":{"_id":"b0e152d6-2c69-4b10-8fba-28572e0ec00f","_type":"bestBuyAward","_rev":"egjFlmBQLSmNMJppSTkDNo","_createdAt":"2022-09-06T14:47:27Z","_updatedAt":"2022-10-03T12:57:15Z","name":"ISA rated by Visible","providerPageLogo":{"_type":"image","asset":{"_id":"image-0a57ebd908fb84222354e55def54e40a0b6cc306-3840x2160-png","_type":"sanity.imageAsset","_rev":"egjFlmBQLSmNMJppSTk1QN","_createdAt":"2022-10-03T12:57:04Z","_updatedAt":"2022-10-03T12:57:04Z","assetId":"0a57ebd908fb84222354e55def54e40a0b6cc306","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"MTE{Fet600M|.Ax^j[M^ayt8RdWXXDobxT","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.7777777777777777,"height":2160,"width":3840},"hasAlpha":true,"isOpaque":false,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#36374c","foreground":"#fff","population":0.12,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#451404","foreground":"#fff","population":0.01,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#6362f6","foreground":"#fff","population":6.96,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#ccacc4","foreground":"#000","population":0,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#6362f6","foreground":"#fff","population":6.96,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#6b69a8","foreground":"#fff","population":0.29,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#5c44f4","foreground":"#fff","population":0.01,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"best logo.png","path":"images/k8qzcdw3/prod1503/0a57ebd908fb84222354e55def54e40a0b6cc306-3840x2160.png","sha1hash":"0a57ebd908fb84222354e55def54e40a0b6cc306","size":357747,"uploadId":"hGkaP0nITHP2f33HZ2ejKsYNR5OWPeIV","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/0a57ebd908fb84222354e55def54e40a0b6cc306-3840x2160.png","filename":"best logo.png","width":3840,"height":2160,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/0a57ebd908fb84222354e55def54e40a0b6cc306-3840x2160.png?rect=1200,0,1440,2160&w=%width%&h=%height%&q=80","id":"image-0a57ebd908fb84222354e55def54e40a0b6cc306-3840x2160-png","children":[],"parent":null}},"id":"-83984716-1549-5ab7-85af-49f120ab5551","children":[],"parent":null},"bestBuyType":"ISA","companyBBCats":["DIY"],"companyDisplayName":"Hargreaves Lansdown","companyLogo":{"_type":"mainImage","alt":"Hargreaves Lansdown ","asset":{"_id":"image-7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150-svg","_type":"sanity.imageAsset","_rev":"DmK61VtPyEhMsfOjcsa0P9","_createdAt":"2022-03-15T09:25:31Z","_updatedAt":"2022-03-15T09:25:31Z","assetId":"7a3173ceb0eaab5047bf5d4827073dfd0bce36ec","extension":"svg","metadata":{"_type":"sanity.imageMetadata","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1,"height":150,"width":150},"hasAlpha":true,"isOpaque":true,"lqip":"data:image/jpeg;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#32414f","foreground":"#fff","population":0.15,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#040434","foreground":"#fff","population":0.01,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#c1ccdd","foreground":"#000","population":0.7,"title":"#000"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#c1ccdd","foreground":"#000","population":0.7,"title":"#000"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#e4f2fa","foreground":"#000","population":0.5,"title":"#000"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#6574a6","foreground":"#fff","population":0.03,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#1212ec","foreground":"#fff","population":0,"title":"#fff"}}},"mimeType":"image/svg+xml","originalFilename":"Hargreaves Lansdown.svg","path":"images/k8qzcdw3/prod1503/7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150.svg","sha1hash":"4d028b2eba30e01dfbae5b4900cae476202a1052","size":50994,"uploadId":"B5WqVl5ywWi08bt3kXOBJDmPGO3NP5sE","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150.svg","filename":"Hargreaves Lansdown.svg","width":150,"height":150,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150.svg?rect=25,0,100,150&w=%width%&h=%height%&q=80","id":"image-7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150-svg","children":[],"parent":null}},"companyName":"ISA Hargreaves Lansdown ","comparisonCriteria":[{"_key":"94d9833f402a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:15:44Z","_updatedAt":"2022-01-25T13:15:44Z","name":"Description","order":0,"id":"-38df3451-8e56-55e9-874e-016872a907c4","children":[],"parent":null},"text":[{"_key":"1fc39ddba2aa","_type":"block","children":[{"_key":"9203881de898","_type":"span","marks":[],"text":"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, Junior ISAs, ISAs, pensions and cash, these guys know their stuff."}],"markDefs":[],"style":"normal"}]},{"_key":"6ca3474818f0","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-03-08T15:16:10Z","_updatedAt":"2022-03-08T15:16:10Z","name":"Investment choice","order":1,"id":"-35e5c77c-56b4-5ac5-9bd3-ddda2a3e72b4","children":[],"parent":null},"text":[{"_key":"0cd38f9074a2","_type":"block","children":[{"_key":"eb2c746afd6f","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"6865b1bab503","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-03-07T13:26:21Z","_updatedAt":"2022-03-08T15:17:51Z","name":"All-inclusive charge","order":2,"id":"-d8b65ff4-87ca-56d5-bf47-0840c0d8b574","children":[],"parent":null},"text":[{"_key":"ca155be63d46","_type":"block","children":[{"_key":"c69d3ffd1647","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"920e39f4fee9","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:16:03Z","_updatedAt":"2022-03-08T15:18:02Z","name":"Platform fees","order":3,"id":"-a94dc12e-f05a-57ed-9dba-dfabb438ba56","children":[],"parent":null},"text":[{"_key":"2ef1adb8210b","_type":"block","children":[{"_key":"cc9e1ed05f58","_type":"span","marks":[],"text":"Funds: 0.45% (for the first £250,000)"}],"markDefs":[],"style":"normal"},{"_key":"7791cc18cb85","_type":"block","children":[{"_key":"5d55502d67c3","_type":"span","marks":[],"text":"Shares: 0.45% (max £45 per year) "}],"markDefs":[],"style":"normal"}]},{"_key":"2965dd6034ae","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T09:49:24Z","_updatedAt":"2022-03-08T15:18:13Z","name":"Trading fees","order":4,"id":"-24808855-dffe-557d-be7b-79d866ba8558","children":[],"parent":null},"text":[{"_key":"ff036449dd37","_type":"block","children":[{"_key":"d3742788c30f","_type":"span","marks":[],"text":"Funds: free"}],"markDefs":[],"style":"normal"},{"_key":"1ef382df1e5e","_type":"block","children":[{"_key":"cfcac64d8ae3","_type":"span","marks":[],"text":"Shares: £11.95 (for trading less than 9*units) "}],"markDefs":[],"style":"normal"},{"_key":"bb14bdad577f","_type":"block","children":[{"_key":"6dafbde0923d","_type":"span","marks":[],"text":"* deals in previous month"}],"markDefs":[],"style":"normal"}]},{"_key":"10eada4c9d27","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:16:14Z","_updatedAt":"2022-03-08T15:18:22Z","name":"Foreign exchange fees","order":5,"id":"-bf4bc988-ff22-50e7-83f8-4536fb061bdc","children":[],"parent":null},"text":[{"_key":"c61dbf0b4e17","_type":"block","children":[{"_key":"1e719ee4c932","_type":"span","marks":[],"text":"1% (for the first 5k)"}],"markDefs":[],"style":"normal"}]},{"_key":"6d281e2ea3b2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:16:25Z","_updatedAt":"2022-03-08T15:18:31Z","name":"Junior ISA","order":6,"id":"-6a12e7e7-0545-5f60-8e45-5d13c0488a76","children":[],"parent":null},"text":[{"_key":"18a3144b9c4c","_type":"block","children":[{"_key":"fe96f81e2cf8","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8496d1585767","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:16:35Z","_updatedAt":"2022-03-08T15:18:43Z","name":"Lifetime ISA","order":7,"id":"-c375cc5c-0202-57dd-b6de-ca54830a46e9","children":[],"parent":null},"text":[{"_key":"ccebb27726ff","_type":"block","children":[{"_key":"55473baeab90","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"0631bda285c3","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:16:43Z","_updatedAt":"2022-03-08T15:18:58Z","name":"GIA","order":8,"id":"-b134b2bd-0ad0-5f13-b60a-37238000aea8","children":[],"parent":null},"text":[{"_key":"631ac7b7096a","_type":"block","children":[{"_key":"c5c9dfaefdc6","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"61e632ccf4be","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:17:01Z","_updatedAt":"2022-03-08T15:19:13Z","name":"SIPP","order":9,"id":"-1463cd6f-f666-5df3-8f4c-0df6310b6764","children":[],"parent":null},"text":[{"_key":"bc512f510c42","_type":"block","children":[{"_key":"049a2aa42bf8","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"f6831c15cd93","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:17:08Z","_updatedAt":"2022-03-08T15:19:24Z","name":"Shares","order":10,"id":"-7b24847c-9a26-5ee3-acbd-6fcaff5a91f1","children":[],"parent":null},"text":[{"_key":"2fcfe4d2d6a8","_type":"block","children":[{"_key":"8f79a6078ccb","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"74072fdaae7a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:17:19Z","_updatedAt":"2022-03-08T15:19:32Z","name":"Funds","order":11,"id":"-313d7cf7-1e77-5066-8ebe-b1bc735b4f8d","children":[],"parent":null},"text":[{"_key":"89aa0b6ca86f","_type":"block","children":[{"_key":"16e214603fe0","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"d01b536ada2c","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:18:00Z","_updatedAt":"2022-03-08T15:19:41Z","name":"ETFs","order":12,"id":"-0dbd4d0a-229a-543f-9101-b050ef6c26ea","children":[],"parent":null},"text":[{"_key":"7846ef54b53b","_type":"block","children":[{"_key":"9218647a7984","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"1187715226f5","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:18:02Z","_updatedAt":"2022-03-08T15:19:50Z","name":"Investment trusts","order":13,"id":"-2cfa5419-4c90-52e8-9ae7-568d8e56d104","children":[],"parent":null},"text":[{"_key":"051a67c2c5bb","_type":"block","children":[{"_key":"c913bdd7e384","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"D72D5613-C65B-4D0E-BDF7-5944DE7C5188","hasOffer":false,"inANutshell":["Excellent service","Established company","Very strong service and educational content "],"inANutshellVisible":["Biggest platform in the UK","Excellent research options","On the pricey side"],"mostPopularRank":6,"noOfReviews":"3910","offerText":"Add £10k+ to a new HL Stocks & Shares ISA and get a £150 John Lewis e-voucher","ourRating":"9","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_id":"775746c0-d70d-4660-9d37-08b9ccc2c92d","_type":"linkCategory","_rev":"dKJQlTYAFWiLLnJ0c0VCeL","_createdAt":"2021-09-30T08:50:46Z","_updatedAt":"2025-08-18T11:06:59Z","_system":{"base":{"id":"775746c0-d70d-4660-9d37-08b9ccc2c92d","rev":"DmK61VtPyEhMsfOjcsZMXo"}},"description":"Affiliate UTM Hargreaves Lansdown ISA","url":"https://hl.7eer.net/c/2384875/890703/1774/","id":"-e9e8faaa-45f0-59ef-a4cf-d4ce4a24da05","children":[],"parent":null},"reviewReference":{"_id":"7ca22c2a-5a22-4997-9cfb-3c0c6ad85a27","_type":"information","_rev":"ReG8cor2CRZQPja7mpsErN","_createdAt":"2021-08-30T10:36:16Z","_updatedAt":"2026-04-02T14:21:16Z","_system":{"base":{"id":"7ca22c2a-5a22-4997-9cfb-3c0c6ad85a27","rev":"ReG8cor2CRZQPja7mprzyO"}},"authors":[{"_key":"e0311996df1a","_type":"personReference","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"people","_rev":"n54XUON695cO06xFcT7KHi","_createdAt":"2021-07-16T15:41:47Z","_updatedAt":"2026-04-16T00:00:29Z","_system":{"base":{"id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","rev":"1XrksDlMkoAPinyrcm2t9G"}},"answeredQuestionsRank":252,"averageRating":0,"bio":[{"_key":"bf1f1c58fef9","_type":"block","children":[{"_key":"97ba1f193b22","_type":"span","marks":[],"text":"Boring Money is an independent company founded in 2015 to make investing, saving and financial planning accessible for everyday people without a PhD in finance. "}],"markDefs":[],"style":"normal"},{"_key":"529bed96fa8e","_type":"block","children":[{"_key":"46347ea68efb","_type":"span","marks":[],"text":"Led by industry veteran "},{"_key":"d6819d3bfe17","_type":"span","marks":["12ac5536ccfd"],"text":"Holly Mackay"},{"_key":"00f260fdccf0","_type":"span","marks":[],"text":" with over 24 years' experience, Boring Money's mission is to demystify savings, investments, and pensions. We help consumers with educational content, research, and user-friendly tips - all without the confusing technical jargon!"}],"markDefs":[{"_key":"12ac5536ccfd","_type":"link","href":"https://www.boringmoney.co.uk/advisers/holly-mackay/"}],"style":"normal"},{"_key":"dbb1c5ff82a3","_type":"block","children":[{"_key":"a9b296baf5d3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8a06e569aa6a","_type":"prosConsWidget","cons":["Confusing industry jargon!"],"consTitle":"Dislikes:","pros":["Making money make sense"],"prosTitle":"Likes:"},{"_key":"04271e0685d4","_type":"block","children":[{"_key":"a68362f24eb7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3e82861a3b80","_type":"block","children":[{"_key":"0f6b76e2f7e6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7f1e7a776f24","_type":"block","children":[{"_key":"44781b4aa451","_type":"span","marks":["em"],"text":"Boring Money is not a regulated financial advice firm. We provide generic information to help you understand your options. We make money from sponsorship, advertising, and referral fees - all transparently disclosed "},{"_key":"8f2d6d572758","_type":"span","marks":["em","a3db01606b86"],"text":"here"},{"_key":"07c6279db2e5","_type":"span","marks":["em"],"text":"."}],"markDefs":[{"_key":"a3db01606b86","_type":"link","href":"https://www.boringmoney.co.uk/how-we-make-money/"}],"style":"normal"}],"categories":[{"_key":"5577aff62e48","_ref":"976f2dc9-ded3-47fc-bc52-bd928767a578","_type":"reference"}],"dashboardId":"b3cf6703-691d-4826-9ddc-762eeb58c289","dateAnsweredRank":88,"email":"community@boringmoney.co.uk","excerpt":[{"_key":"e8edde7ba304","_type":"block","children":[{"_key":"ffba4fdcab87","_type":"span","marks":[],"text":"This is a Boring Money Advice admin page. This adviser directory allows you to browse trusted, vetted financial advisers. Enter your location or use the advanced filters to find the perfect match."}],"markDefs":[],"style":"normal"}],"hideFeeStructure":true,"image":{"_type":"mainImage","alt":"Boring Money","asset":{"_ref":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg","_type":"reference"},"blankAltTag":true,"caption":"Boring Money","crop":{"_type":"sanity.imageCrop","bottom":0,"left":0.10897435897435898,"right":0.1217948717948718,"top":0},"hotspot":{"_type":"sanity.imageHotspot","height":1,"width":0.7628205128205129,"x":0.49679487179487175,"y":0.5}},"location":{"_ref":"6647e624-276a-461e-84a8-f8e62eb9143e","_type":"reference"},"name":"Boring Money","numberOfLikes":1828,"numberOfRatings":0,"publishedAt":"2026-01-20T13:29:05.059Z","showAdviser":false,"slug":{"_type":"slug","current":"boring-money"},"specialisations":[{"_key":"d3e41a6fbb34","_ref":"4807983c-8f5a-49f7-83bd-fcc53e0f81e8","_type":"reference"}],"summary":[{"_key":"8ab6b22d9f47","_type":"block","children":[{"_key":"aa17690f4230","_type":"span","marks":[],"text":"Here to help you understand your options and make smart money choices."}],"markDefs":[],"style":"normal"}],"id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","children":[],"parent":null}}],"authorsText":[{"_key":"00eff1456ec5","_type":"block","children":[{"_key":"f3e7bbe6b4a3","_type":"span","marks":[],"text":"Written by "},{"_key":"902361b6c17b","_type":"span","marks":["554cc5821090"],"text":"Boring Money"}],"markDefs":[{"_key":"554cc5821090","_type":"internalLinkPick","blank":true,"reference":{"_ref":"d303d967-e483-4761-b7bf-65760d5b1b66","_type":"reference"}}],"style":"normal"}],"body":[{"_key":"31206e019d2b","_type":"block","children":[{"_key":"2c1a6bad33f1","_type":"span","marks":["strong"],"text":"Hargreaves Lansdown is a good choice for UK investors, particularly those with larger portfolios or those wanting comprehensive service. With over 2 million customers and £170bn in assets, it's the UK's largest DIY investment platform. Whilst fees can be higher than competitors (0.35% platform charge on funds), it excels in customer service, investment research, and product range. Best for: experienced investors with £250k+, JISA holders (free), Ready-Made Solutions, and those valuing research and support."}],"markDefs":[],"style":"normal"},{"_key":"d62c0212d69c","_type":"providerHeaderWidget","company":{"_id":"9c7f704c-4cba-4209-92f9-9f8a5c442695","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4cN","_createdAt":"2021-09-22T15:39:59Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"9c7f704c-4cba-4209-92f9-9f8a5c442695","rev":"0FvTSp1yYRm2ugsQpaKWkC"}},"bestBuyAward":{"_ref":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"reference"},"bestBuyAwardVisible":{"_ref":"b0e152d6-2c69-4b10-8fba-28572e0ec00f","_type":"reference"},"bestBuyType":"ISA","companyBBCats":["DIY"],"companyDisplayName":"Hargreaves Lansdown","companyLogo":{"_type":"mainImage","alt":"Hargreaves Lansdown ","asset":{"_ref":"image-7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150-svg","_type":"reference"}},"companyName":"ISA Hargreaves Lansdown ","comparisonCriteria":[{"_key":"94d9833f402a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"1fc39ddba2aa","_type":"block","children":[{"_key":"9203881de898","_type":"span","marks":[],"text":"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, Junior ISAs, ISAs, pensions and cash, these guys know their stuff."}],"markDefs":[],"style":"normal"}]},{"_key":"6ca3474818f0","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"0cd38f9074a2","_type":"block","children":[{"_key":"eb2c746afd6f","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"6865b1bab503","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"ca155be63d46","_type":"block","children":[{"_key":"c69d3ffd1647","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"920e39f4fee9","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"2ef1adb8210b","_type":"block","children":[{"_key":"cc9e1ed05f58","_type":"span","marks":[],"text":"Funds: 0.45% (for the first £250,000)"}],"markDefs":[],"style":"normal"},{"_key":"7791cc18cb85","_type":"block","children":[{"_key":"5d55502d67c3","_type":"span","marks":[],"text":"Shares: 0.45% (max £45 per year) "}],"markDefs":[],"style":"normal"}]},{"_key":"2965dd6034ae","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"ff036449dd37","_type":"block","children":[{"_key":"d3742788c30f","_type":"span","marks":[],"text":"Funds: free"}],"markDefs":[],"style":"normal"},{"_key":"1ef382df1e5e","_type":"block","children":[{"_key":"cfcac64d8ae3","_type":"span","marks":[],"text":"Shares: £11.95 (for trading less than 9*units) "}],"markDefs":[],"style":"normal"},{"_key":"bb14bdad577f","_type":"block","children":[{"_key":"6dafbde0923d","_type":"span","marks":[],"text":"* deals in previous month"}],"markDefs":[],"style":"normal"}]},{"_key":"10eada4c9d27","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"c61dbf0b4e17","_type":"block","children":[{"_key":"1e719ee4c932","_type":"span","marks":[],"text":"1% (for the first 5k)"}],"markDefs":[],"style":"normal"}]},{"_key":"6d281e2ea3b2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"18a3144b9c4c","_type":"block","children":[{"_key":"fe96f81e2cf8","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8496d1585767","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"ccebb27726ff","_type":"block","children":[{"_key":"55473baeab90","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"0631bda285c3","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"631ac7b7096a","_type":"block","children":[{"_key":"c5c9dfaefdc6","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"61e632ccf4be","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"bc512f510c42","_type":"block","children":[{"_key":"049a2aa42bf8","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"f6831c15cd93","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"2fcfe4d2d6a8","_type":"block","children":[{"_key":"8f79a6078ccb","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"74072fdaae7a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"89aa0b6ca86f","_type":"block","children":[{"_key":"16e214603fe0","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"d01b536ada2c","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"7846ef54b53b","_type":"block","children":[{"_key":"9218647a7984","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"1187715226f5","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"051a67c2c5bb","_type":"block","children":[{"_key":"c913bdd7e384","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"D72D5613-C65B-4D0E-BDF7-5944DE7C5188","hasOffer":false,"inANutshell":["Excellent service","Established company","Very strong service and educational content "],"inANutshellVisible":["Biggest platform in the UK","Excellent research options","On the pricey side"],"mostPopularRank":6,"noOfReviews":"3910","offerText":"Add £10k+ to a new HL Stocks & Shares ISA and get a £150 John Lewis e-voucher","ourRating":"9","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"775746c0-d70d-4660-9d37-08b9ccc2c92d","_type":"reference"},"reviewReference":{"_ref":"7ca22c2a-5a22-4997-9cfb-3c0c6ad85a27","_type":"reference"},"showBBTable":true,"visibleReadMoreText":[{"_key":"0e4a559a8615","_type":"block","children":[{"_key":"4838fe491f11","_type":"span","marks":[],"text":"Hargreaves Lansdown is the biggest most established platform in the UK and it’s very good to use. Service is strong and the phone support pretty faultless. It will confuse the less confident and the charges are undeniably steep. They are the Waitrose of investment providers – if you are busy and value peace of mind and excellence above the lowest charges available, it’s a good option."}],"markDefs":[],"style":"normal"}],"wouldRecommendRating":87.07,"yourRating":"8","id":"-e38b6366-a132-55e7-a66e-9f3c2a363dbc","children":[],"parent":null}},{"_key":"2672ea29eb5a","_type":"anchorMenuMobile","title":"Menu"},{"_key":"d65cf879a428","_type":"block","children":[{"_key":"99f11940918a","_type":"span","marks":[],"text":""},{"_key":"4ca307326705","_type":"mainAnchor","pageAnchor":{"_ref":"be67f70a-2e31-4e77-9282-6784550f85ce","_type":"reference"}},{"_key":"49163d61ffe2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"84d62df69d82","_type":"ourRatingWidget","company":{"_id":"9c7f704c-4cba-4209-92f9-9f8a5c442695","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4cN","_createdAt":"2021-09-22T15:39:59Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"9c7f704c-4cba-4209-92f9-9f8a5c442695","rev":"0FvTSp1yYRm2ugsQpaKWkC"}},"bestBuyAward":{"_ref":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"reference"},"bestBuyAwardVisible":{"_ref":"b0e152d6-2c69-4b10-8fba-28572e0ec00f","_type":"reference"},"bestBuyType":"ISA","companyBBCats":["DIY"],"companyDisplayName":"Hargreaves Lansdown","companyLogo":{"_type":"mainImage","alt":"Hargreaves Lansdown ","asset":{"_ref":"image-7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150-svg","_type":"reference"}},"companyName":"ISA Hargreaves Lansdown ","comparisonCriteria":[{"_key":"94d9833f402a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"1fc39ddba2aa","_type":"block","children":[{"_key":"9203881de898","_type":"span","marks":[],"text":"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, Junior ISAs, ISAs, pensions and cash, these guys know their stuff."}],"markDefs":[],"style":"normal"}]},{"_key":"6ca3474818f0","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"0cd38f9074a2","_type":"block","children":[{"_key":"eb2c746afd6f","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"6865b1bab503","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"ca155be63d46","_type":"block","children":[{"_key":"c69d3ffd1647","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"920e39f4fee9","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"2ef1adb8210b","_type":"block","children":[{"_key":"cc9e1ed05f58","_type":"span","marks":[],"text":"Funds: 0.45% (for the first £250,000)"}],"markDefs":[],"style":"normal"},{"_key":"7791cc18cb85","_type":"block","children":[{"_key":"5d55502d67c3","_type":"span","marks":[],"text":"Shares: 0.45% (max £45 per year) "}],"markDefs":[],"style":"normal"}]},{"_key":"2965dd6034ae","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"ff036449dd37","_type":"block","children":[{"_key":"d3742788c30f","_type":"span","marks":[],"text":"Funds: free"}],"markDefs":[],"style":"normal"},{"_key":"1ef382df1e5e","_type":"block","children":[{"_key":"cfcac64d8ae3","_type":"span","marks":[],"text":"Shares: £11.95 (for trading less than 9*units) "}],"markDefs":[],"style":"normal"},{"_key":"bb14bdad577f","_type":"block","children":[{"_key":"6dafbde0923d","_type":"span","marks":[],"text":"* deals in previous month"}],"markDefs":[],"style":"normal"}]},{"_key":"10eada4c9d27","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"c61dbf0b4e17","_type":"block","children":[{"_key":"1e719ee4c932","_type":"span","marks":[],"text":"1% (for the first 5k)"}],"markDefs":[],"style":"normal"}]},{"_key":"6d281e2ea3b2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"18a3144b9c4c","_type":"block","children":[{"_key":"fe96f81e2cf8","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8496d1585767","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"ccebb27726ff","_type":"block","children":[{"_key":"55473baeab90","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"0631bda285c3","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"631ac7b7096a","_type":"block","children":[{"_key":"c5c9dfaefdc6","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"61e632ccf4be","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"bc512f510c42","_type":"block","children":[{"_key":"049a2aa42bf8","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"f6831c15cd93","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"2fcfe4d2d6a8","_type":"block","children":[{"_key":"8f79a6078ccb","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"74072fdaae7a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"89aa0b6ca86f","_type":"block","children":[{"_key":"16e214603fe0","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"d01b536ada2c","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"7846ef54b53b","_type":"block","children":[{"_key":"9218647a7984","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"1187715226f5","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"051a67c2c5bb","_type":"block","children":[{"_key":"c913bdd7e384","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"D72D5613-C65B-4D0E-BDF7-5944DE7C5188","hasOffer":false,"inANutshell":["Excellent service","Established company","Very strong service and educational content "],"inANutshellVisible":["Biggest platform in the UK","Excellent research options","On the pricey side"],"mostPopularRank":6,"noOfReviews":"3910","offerText":"Add £10k+ to a new HL Stocks & Shares ISA and get a £150 John Lewis e-voucher","ourRating":"9","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"775746c0-d70d-4660-9d37-08b9ccc2c92d","_type":"reference"},"reviewReference":{"_ref":"7ca22c2a-5a22-4997-9cfb-3c0c6ad85a27","_type":"reference"},"showBBTable":true,"visibleReadMoreText":[{"_key":"0e4a559a8615","_type":"block","children":[{"_key":"4838fe491f11","_type":"span","marks":[],"text":"Hargreaves Lansdown is the biggest most established platform in the UK and it’s very good to use. Service is strong and the phone support pretty faultless. It will confuse the less confident and the charges are undeniably steep. They are the Waitrose of investment providers – if you are busy and value peace of mind and excellence above the lowest charges available, it’s a good option."}],"markDefs":[],"style":"normal"}],"wouldRecommendRating":87.07,"yourRating":"8","id":"-e38b6366-a132-55e7-a66e-9f3c2a363dbc","children":[],"parent":null}},{"_key":"e7f47ad69545","_type":"block","children":[{"_key":"a68df96e49ba","_type":"span","marks":[],"text":""},{"_key":"a22de06a35b9","_type":"mainAnchor","pageAnchor":{"_ref":"e17eb14a-5082-4a31-911c-e8cf2665fa72","_type":"reference"}},{"_key":"b9b7dcaf6eb0","_type":"span","marks":[],"text":"Investment expert’s opinion "}],"markDefs":[],"style":"h2"},{"_key":"b251240dcdf8","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money*","photo":{"_type":"mainImage","alt":"Holly","asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png","_type":"sanity.imageAsset","_rev":"EVYa7nA0qBiAndAE5Leity","_createdAt":"2024-03-25T14:37:42Z","_updatedAt":"2024-03-25T14:37:42Z","assetId":"49f2f4be80aef425b39216dcbcd6887d25de2c97","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"ePHIjW];:=sCxt}Za{I:S2OUV[NaXQoejGV[spt6WoWBaeWVX7oLe:","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1,"height":1080,"width":1080},"hasAlpha":true,"isOpaque":true,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#634336","foreground":"#fff","population":4.23,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#b40689","foreground":"#fff","population":0.53,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#ab8373","foreground":"#fff","population":4.72,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#ab8373","foreground":"#fff","population":4.72,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#d1a698","foreground":"#000","population":3.28,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#9a665c","foreground":"#fff","population":1.1,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#dc049c","foreground":"#fff","population":0,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"holly.png","path":"images/k8qzcdw3/prod1503/49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080.png","sha1hash":"49f2f4be80aef425b39216dcbcd6887d25de2c97","size":1570960,"uploadId":"N3HsKDAuFp3bTES7YCIYSvLDM6y3Dqcl","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080.png","filename":"holly.png","width":1080,"height":1080,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080.png?rect=180,0,720,1080&w=%width%&h=%height%&q=80","id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png","children":[],"parent":null}},"quote":[{"_key":"0b83c8bfb835","_type":"block","children":[{"_key":"ad2aa43bef67","_type":"span","marks":[],"text":"Hargreaves Lansdown is still by far the largest home for DIY investors in the UK. It's a good service - helpful people on the phones, the app is clear enough to use, and there is a load of investment choice with good research. Recently announced price changes, which are coming from 1 March, will remove many previous niggles about them being too expensive and put them firmly back in the game as a serious consideration for most investors who value support, research, and reliability rather than simply hunting down the lowest charge out there. Being critical, they have stood still for too long; the tech is a bit average, and it's time they did something innovative for customers again to deserve their spot at the top of the pack. But there is an air of change and determination there which I’ve not seen for a while, so I’m optimistic."}],"markDefs":[],"style":"normal"}]},{"_key":"eab994d72772","_type":"block","children":[{"_key":"af8cb8ecc77f","_type":"span","marks":["em"],"text":"*This is the view of investment expert Holly Mackay based on her first-hand customer experience as a test account holder. This does not constitute regulated advice. You can read more about Holly's investments "},{"_key":"12969b8c3c23","_type":"span","marks":["em","43d5515f6c50"],"text":"here"},{"_key":"54bcabd885ed","_type":"span","marks":["em"],"text":"."}],"markDefs":[{"_key":"43d5515f6c50","_type":"internalLinkPick","reference":{"_ref":"6dff6a49-b6ac-46cf-abed-819cb7486e2d","_type":"reference"}}],"style":"small"},{"_key":"c94fb83bf35d","_type":"block","children":[{"_key":"fa58999e020e","_type":"span","marks":[],"text":""},{"_key":"4f958ec219af","_type":"mainAnchor","pageAnchor":{"_ref":"522348ce-ba06-4d6e-9a76-bf943875d0cf","_type":"reference"}},{"_key":"75a569893a0a","_type":"span","marks":[],"text":"Who is Hargreaves Lansdown?"}],"markDefs":[],"style":"h2"},{"_key":"adceab3598df","_type":"block","children":[{"_key":"f1fbeea453aa0","_type":"span","marks":[],"text":"Hargreaves Lansdown is a large, well-established provider with significant scale and longevity in the UK investment market. It was established over 40 years ago in 1981. It has over 2 million customers and more than £170 billion in assets. It was listed on the London Stock Exchange in 2007 and is a constituent of the "},{"_key":"d2582e478897","_type":"span","marks":["36c65d93c08d"],"text":"FTSE"},{"_key":"c924184d643e","_type":"span","marks":[],"text":" 250 index. Hargreaves Lansdown states that its core purpose is to “empower people to save and invest with confidence” and aims to put the customer at the “heart” of its operations."}],"markDefs":[{"_key":"36c65d93c08d","_type":"internalLinkPick","reference":{"_ref":"eeb53cba-3e90-43b0-907d-00d367710a7e","_type":"reference"}}],"style":"normal"},{"_key":"c6db9dcb5200","_type":"textboxWidget","text":[{"_key":"47fb3226d40a","_type":"block","children":[{"_key":"3a75c71565690","_type":"span","marks":["strong"],"text":"Hargreaves Lansdown won the following at Boring Money’s Best Buy Awards in 2025:"}],"markDefs":[],"style":"normal"},{"_key":"d1da50bc70c8","_type":"block","children":[{"_key":"9ca56dc2ce6b","_type":"span","marks":[],"text":"🏆 "},{"_key":"0dd6aabee935","_type":"span","marks":["74e9c989aca4"],"text":"Best Buy ISA "}],"markDefs":[{"_key":"74e9c989aca4","_type":"internalLinkPick","reference":{"_ref":"2ad629d9-20cb-4c7a-baa9-ff52494a3b0d","_type":"reference"}}],"style":"normal"},{"_key":"bbded0c7146c","_type":"block","children":[{"_key":"74c27ebd861e","_type":"span","marks":[],"text":"🏆 "},{"_key":"6a9c3fce3333","_type":"span","marks":["6b03fcf4d47e"],"text":"Best Buy Pension "}],"markDefs":[{"_key":"6b03fcf4d47e","_type":"internalLinkPick","reference":{"_ref":"41b7c255-2a4e-415c-bc4e-74bc27a97f1e","_type":"reference"}}],"style":"normal"},{"_key":"229eca77fee2","_type":"block","children":[{"_key":"0806f728c317","_type":"span","marks":[],"text":"🏆 "},{"_key":"93aaf464f00d","_type":"span","marks":["c6c6e48977d3"],"text":"Best Buy LISA "}],"markDefs":[{"_key":"c6c6e48977d3","_type":"internalLinkPick","reference":{"_ref":"7751737d-084c-4a55-9046-e35ea8792d3c","_type":"reference"}}],"style":"normal"},{"_key":"34a4f64df7ae","_type":"block","children":[{"_key":"13cc5ddc7b1f","_type":"span","marks":[],"text":"🏆 "},{"_key":"d81dcb7c1ed2","_type":"span","marks":["51093c466c38"],"text":"Best Buy JISA"}],"markDefs":[{"_key":"51093c466c38","_type":"internalLinkPick","reference":{"_ref":"e2f37bff-0046-4a63-b28a-4100f5ce38b9","_type":"reference"}}],"style":"normal"},{"_key":"8aa160de71ea","_type":"block","children":[{"_key":"8341f3d12578","_type":"span","marks":[],"text":"🏆 "},{"_key":"b93c6687043b","_type":"span","marks":["abacc032c704"],"text":"Best for Investment Research"}],"markDefs":[{"_key":"abacc032c704","_type":"internalLinkPick","reference":{"_ref":"df3d4346-4cfc-4a90-8bfa-1a9016dcd649","_type":"reference"}}],"style":"normal"},{"_key":"a869c0c69529","_type":"block","children":[{"_key":"b578d21ca6ea","_type":"span","marks":[],"text":"🏆 "},{"_key":"61054e1467e7","_type":"span","marks":["0364e7698fe5"],"text":"Best for Investment Trusts"}],"markDefs":[{"_key":"0364e7698fe5","_type":"internalLinkPick","reference":{"_ref":"9339412f-84fd-40d7-a922-576b8369e6ce","_type":"reference"}}],"style":"normal"},{"_key":"e725c7430506","_type":"block","children":[{"_key":"8393254515b2","_type":"span","marks":[],"text":"🏆 "},{"_key":"7b4bcb1e36be","_type":"span","marks":["8b5619dbee6f"],"text":"Best for Customer Service"}],"markDefs":[{"_key":"8b5619dbee6f","_type":"internalLinkPick","reference":{"_ref":"76a171af-4523-416f-8eb9-6df7272d8c2d","_type":"reference"}}],"style":"normal"},{"_key":"f508de5031ce","_type":"block","children":[{"_key":"ba0e4c3f11c9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"969c54b9ecd5","_type":"block","children":[{"_key":"454dc7ba4a86","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"a40d68deee3a","_type":"block","children":[{"_key":"9feaaa2a7412","_type":"span","marks":[],"text":""},{"_key":"abb3fa740ca2","_type":"mainAnchor","pageAnchor":{"_ref":"cf6f26cf-1a25-40c6-b9bc-7eea852a160b","_type":"reference"}},{"_key":"0a824b40584a","_type":"span","marks":[],"text":"Who is Hargreaves Lansdown good for?"}],"markDefs":[],"style":"h2"},{"_key":"ca85e359575b","_type":"block","children":[{"_key":"bd61269de95d0","_type":"span","marks":[],"text":"Still one of the best all-rounders, but it is pricey compared to peers. Caps on charges make this very compelling for larger accounts that have listed securities. And "},{"_key":"0d2ce3cfd44d","_type":"span","marks":["7ddee3bcabae"],"text":"Junior ISAs"},{"_key":"e19fb984d083","_type":"span","marks":[],"text":" are free. It’s also good for "},{"_key":"1628797ce7f7","_type":"span","marks":["232ff5b412f6"],"text":"Lifetime ISA"},{"_key":"a9e3684025e5","_type":"span","marks":[],"text":" holders. Fees on smaller accounts are not an unreasonable value; however, share dealing fees are on the higher side and the platform charge for fund folders is high."}],"markDefs":[{"_key":"7ddee3bcabae","_type":"internalLinkPick","reference":{"_ref":"10ff81a7-9b4e-4d42-bf3c-c4bec3734358","_type":"reference"}},{"_key":"232ff5b412f6","_type":"internalLinkPick","reference":{"_ref":"f87e514a-5bd1-4a7c-95cd-f1676e520028","_type":"reference"}}],"style":"normal"},{"_key":"c75f3ebd0c98","_type":"block","children":[{"_key":"23d2a0fc8cae","_type":"span","marks":[],"text":""},{"_key":"dfb5d3c6854c","_type":"mainAnchor","pageAnchor":{"_ref":"68a2740c-2fdd-48f2-a439-70e9257fa1dc","_type":"reference"}},{"_key":"f81408ded1da","_type":"span","marks":[],"text":"Pros and cons"}],"markDefs":[],"style":"h2"},{"_key":"93ddf99c94ff","_type":"block","children":[{"_key":"b3c11807b6330","_type":"span","marks":[],"text":"Still not quite sure if Hargreaves Lansdown is right for you? We’ve broken down the main pros and cons of investing with Hargreaves Lansdown in the table below. Take a look for a bird’s eye view of the key takeaways."}],"markDefs":[],"style":"normal"},{"_key":"fd52a414dfcb","_type":"prosConsWidget","cons":["At the higher cost range in most scenarios ","Can feel overwhelming for less experienced investors ","Pretty expensive for larger accounts which hold funds "],"consTitle":"Cons","pros":["Very strong service and educational content ","Largest provider in the market","Fee caps make this great for larger accounts with shares/ listed securities "],"prosTitle":"Pros"},{"_key":"5fbbb12bd683","_type":"block","children":[{"_key":"ade38a619906","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"08b276583d49","_type":"block","children":[{"_key":"a617eb949221","_type":"span","marks":[],"text":""},{"_key":"0b7004e14caf","_type":"mainAnchor","pageAnchor":{"_ref":"9e51cdf7-15a0-4f71-a312-6ed8618ed389","_type":"reference"}},{"_key":"03fe45c66543","_type":"span","marks":[],"text":"Investments"}],"markDefs":[],"style":"h2"},{"_key":"93c4df70f544","_type":"block","children":[{"_key":"37fef6f142a1","_type":"span","marks":[],"text":"Hargreaves Lansdown users can access a range of different investment options, including:"}],"markDefs":[],"style":"normal"},{"_key":"243bd73cd962","_type":"tableControl","rows":[{"_key":"6de690502e3f","_type":"row","cells":[{"_key":"898bfef07457","_type":"cell","cellLink":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"},"tableStyle":"W","value":[{"_key":"f8c82598a578","_type":"block","children":[{"_key":"04d6f5fd75260","_type":"span","marks":[],"text":"Shares "}],"markDefs":[],"style":"normal"}]}]},{"_key":"826312048398","_type":"row","cells":[{"_key":"de46a2c969c3","_type":"cell","cellLink":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"},"tableStyle":"W","value":[{"_key":"8892095465a8","_type":"block","children":[{"_key":"2d3d72f0d3070","_type":"span","marks":[],"text":"Funds "}],"markDefs":[],"style":"normal"}]}]},{"_key":"1d19ae6f204c","_type":"row","cells":[{"_key":"368ec5145586","_type":"cell","cellLink":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"},"tableStyle":"W","value":[{"_key":"ea9c55384d54","_type":"block","children":[{"_key":"2b158ebd9a820","_type":"span","marks":[],"text":"Investment trusts "}],"markDefs":[],"style":"normal"}]}]},{"_key":"6453d61316c7a2a663c2d2ea32db2da5","_type":"row","cells":[{"_key":"368ec5145586","_type":"cell","cellLink":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"},"tableStyle":"W","value":[{"_key":"ea9c55384d54","_type":"block","children":[{"_key":"2b158ebd9a820","_type":"span","marks":[],"text":"ETFs"}],"markDefs":[],"style":"normal"}]}]},{"_key":"7fe1ae8aff91b079f364755413031fd7","_type":"row","cells":[{"_key":"368ec5145586","_type":"cell","tableStyle":"W","value":[{"_key":"189e9a8939ee","_type":"block","children":[{"_key":"96a15025b0220","_type":"span","marks":["8fad593cf322"],"text":"Bonds"}],"markDefs":[{"_key":"8fad593cf322","_type":"internalLinkPick","reference":{"_ref":"583a0e19-d23d-4df3-989f-54c2368f0d41","_type":"reference"}}],"style":"normal"}]}]},{"_key":"ed0942e1662c1c7c6766005bf647a620","_type":"row","cells":[{"_key":"368ec5145586","_type":"cell","tableStyle":"W","value":[{"_key":"bdcb99899d30","_type":"block","children":[{"_key":"f885e49209800","_type":"span","marks":[],"text":"Gilts"}],"markDefs":[],"style":"normal"}]}]},{"_key":"b3bd393465e5af4bf5f82759d0145a9d","_type":"row","cells":[{"_key":"368ec5145586","_type":"cell","cellLink":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"},"tableStyle":"W","value":[{"_key":"b5126e1f395f","_type":"block","children":[{"_key":"35515c5f405d0","_type":"span","marks":[],"text":"Ready-made portfolios "}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"ALL-W","title":"Investments"},{"_key":"0fcc5304f778","_type":"block","children":[{"_key":"2dfdd0573d09","_type":"span","marks":[],"text":""},{"_key":"b0cb31df670c","_type":"mainAnchor","pageAnchor":{"_ref":"605cc8d4-a85e-4d6d-94d8-0c4cbebac403","_type":"reference"}},{"_key":"ee555bc4556d","_type":"span","marks":[],"text":"Accounts"}],"markDefs":[],"style":"h2"},{"_key":"a4eb61548757","_type":"block","children":[{"_key":"5cf62213f9f4","_type":"span","marks":[],"text":"Hargreaves Lansdown offers a range of accounts. The table below shows a breakdown of which ones are available and you can scroll down for more information about Hargreaves Lansdown’s ISA, Pension, LISA and JISA."}],"markDefs":[],"style":"normal"},{"_key":"4790c3383306","_type":"tableControl","rows":[{"_key":"d553eb7e8b7d","_type":"row","cells":[{"_key":"8ba431a4e375","_type":"cell","tableStyle":"DB","value":[{"_key":"9d88145724e8","_type":"block","children":[{"_key":"def9e141d4400","_type":"span","marks":[],"text":"Stocks & Shares ISA"}],"markDefs":[],"style":"normal"}]},{"_key":"83bd6dcb3dcf","_type":"cell","tableStyle":"DB","value":[{"_key":"b8717e35047c","_type":"block","children":[{"_key":"7f6a2335c5830","_type":"span","marks":[],"text":"Pension (SIPP)"}],"markDefs":[],"style":"normal"}]},{"_key":"31128ead34c2","_type":"cell","tableStyle":"DB","value":[{"_key":"cf9f433a4d84","_type":"block","children":[{"_key":"67e6c5b5de370","_type":"span","marks":["strong"],"text":"General Investment Account (GIA)"}],"markDefs":[],"style":"normal"}]},{"_key":"56c70b5820d8","_type":"cell","tableStyle":"DB","value":[{"_key":"40217b6a7243","_type":"block","children":[{"_key":"dbb976f4bf520","_type":"span","marks":[],"text":"Lifetime ISA"}],"markDefs":[],"style":"normal"}]},{"_key":"52494242a1a4","_type":"cell","tableStyle":"DB","value":[{"_key":"c4c25c83a69e","_type":"block","children":[{"_key":"6e973223ccce0","_type":"span","marks":[],"text":"Junior ISA"}],"markDefs":[],"style":"normal"}]}]},{"_key":"b52c4264359e","_type":"row","cells":[{"_key":"e212a9c78685","_type":"cell","tableStyle":"W","value":[{"_key":"5814eee43950","_type":"block","children":[{"_key":"e1994bda8d0b","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"60afa26d9702","_type":"cell","tableStyle":"W","value":[{"_key":"10f4079d6321","_type":"block","children":[{"_key":"1c99017b106c","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"5f50d546601f","_type":"cell","tableStyle":"W","value":[{"_key":"6608a198e7c0","_type":"block","children":[{"_key":"aa0d69c14b6a","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"a262a593642f","_type":"cell","tableStyle":"W","value":[{"_key":"ee93a9a23509","_type":"block","children":[{"_key":"e47178232127","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"f2b9b755e66d","_type":"cell","tableStyle":"W","value":[{"_key":"e9b320187dfb","_type":"block","children":[{"_key":"e107c889e03d","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"Accounts"},{"_key":"230e73d8ccde","_type":"block","children":[{"_key":"7a7f2ce7abfc","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8ca531034a40","_type":"block","children":[{"_key":"a4b77df0cb6f","_type":"span","marks":[],"text":"Hargreaves Lansdown also offers a Junior SIPP for those who want to start investing for retirement on behalf of a child under the age of 18."}],"markDefs":[],"style":"normal"},{"_key":"c99199fb58c2","_type":"block","children":[{"_key":"3b97f2dc728b","_type":"span","marks":[],"text":""},{"_key":"1ca7b574cd5e","_type":"mainAnchor","pageAnchor":{"_ref":"2c997e7d-1bea-4476-9de0-5ed9b0515370","_type":"reference"}},{"_key":"0590d746b742","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2d37ae1e6d32","_type":"textboxWidget","text":[{"_key":"0fae1a711445","_type":"block","children":[{"_key":"f43454bbdb74","_type":"span","marks":[],"text":"Hargreaves Lansdown has a "},{"_key":"0c8cadc8eb76","_type":"span","marks":["8da1cb090b0b"],"text":"Stocks & Shares ISA"},{"_key":"790bac8107c8","_type":"span","marks":[],"text":", where you can invest up to £20,000 every year completely tax-free."}],"markDefs":[{"_key":"8da1cb090b0b","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"2a453cfc46eb","_type":"block","children":[{"_key":"615d9eff6ab70","_type":"span","marks":[],"text":"You can invest in a range of different investment options with a Hargreaves Lansdown ISA, including shares, funds, investment trusts, ETFs, bonds, gilts and even ready-made investments."}],"markDefs":[],"style":"normal"},{"_key":"21bdc33f1a4a","_type":"block","children":[{"_key":"c4321c6762d20","_type":"span","marks":[],"text":"Charges for holding funds start at 0.35% on the first £250k invested, dropping down to 0.25% between £250k and £1m. This is quite expensive. Holding fees for shares, Exchange Traded Funds (ETFs), investment trusts, bonds, gilts, and Venture Capital Trusts (VCTs) are also 0.35% but there is an annual fee cap of £150."}],"markDefs":[],"style":"normal"},{"_key":"04dab8d9dc1d","_type":"block","children":[{"_key":"c7d2617ad4d80","_type":"span","marks":[],"text":"Whilst relatively pricey, HL continue to be popular in the market, down to factors like good content, ease of use, and functionality. You can set up an ISA with a £100 initial lump sum or £25 regular monthly installments."}],"markDefs":[],"style":"normal"},{"_key":"0a737235f524","_type":"block","children":[{"_key":"7082313fa932","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Hargreaves Lansdown ISA review"},{"_key":"a6959db67359","_type":"block","children":[{"_key":"83450bfa8c31","_type":"span","marks":[],"text":""},{"_key":"00b1e5a33a47","_type":"mainAnchor","pageAnchor":{"_ref":"ff57f94f-5ad4-4b79-b2cb-f15cbcbe2361","_type":"reference"}},{"_key":"bbcb0433f43c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6d1aff2871f3","_type":"textboxWidget","text":[{"_key":"a010d6fe06ef","_type":"block","children":[{"_key":"3e54335ce6d3","_type":"span","marks":[],"text":"Hargreaves Lansdown offers a"},{"_key":"1cb564a200be","_type":"span","marks":["b6f6cf0a5b7a"],"text":" pension"},{"_key":"ef5ef9ff9830","_type":"span","marks":[],"text":" (SIPP), where you can invest up to £60,000 every tax year to put towards your retirement savings."}],"markDefs":[{"_key":"b6f6cf0a5b7a","_type":"internalLinkPick","reference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"}}],"style":"normal"},{"_key":"00be73b16561","_type":"block","children":[{"_key":"aaf625337c620","_type":"span","marks":[],"text":"As with the Stocks & Shares ISA, Hargreaves Lansdown SIPP users can choose to invest for their retirement with a range of investments, including shares, funds, investment trusts, ETFs, bonds, gilts and ready-made investments."}],"markDefs":[],"style":"normal"},{"_key":"7bbc4720c2a1","_type":"block","children":[{"_key":"25e08fa7787f","_type":"span","marks":[],"text":"You can also opt to invest in Hargreaves Lansdown’s Ready-Made Pension Plan, which derisks your investment as you grow older, automatically moving you from a portfolio with a higher share allocation in your younger years towards a theoretically less volatile, safer investment as you approach retirement age. HL’s ready-made options offer a simple, hands-free route that may appeal to some investors."}],"markDefs":[],"style":"normal"},{"_key":"a0784cbb0020","_type":"block","children":[{"_key":"af4e480773e3","_type":"span","marks":[],"text":"There is an account charge of 0.15% and a fund charge of 0.30% (0.45% in total). It's free to buy and free to sell."}],"markDefs":[],"style":"normal"},{"_key":"a01286926678","_type":"block","children":[{"_key":"4fc8cda8d30a","_type":"span","marks":[],"text":"There are no upfront fees and charges are taken monthly from your SIPP."}],"markDefs":[],"style":"normal"},{"_key":"0e016ca96aab","_type":"block","children":[{"_key":"360f484b03750","_type":"span","marks":[],"text":"There are no charges for entering into drawdown, transferring your plan, or taking out lump sums after retirement age."}],"markDefs":[],"style":"normal"},{"_key":"9eacdd78538b","_type":"block","children":[{"_key":"44497b37e169","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7dd3eb00bde3","_type":"block","children":[{"_key":"0442513d7298","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Hargreaves Lansdown Pension review"},{"_key":"8681dcd5aa3d","_type":"block","children":[{"_key":"f4bcdfbb7553","_type":"span","marks":[],"text":""},{"_key":"958badde7bb1","_type":"mainAnchor","pageAnchor":{"_ref":"64bb480b-2fe7-47e8-a7c8-2a42c44d19f8","_type":"reference"}},{"_key":"e8374bf4787e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d9410a7945d2","_type":"textboxWidget","text":[{"_key":"2abb05ce8a0a","_type":"block","children":[{"_key":"f0d3efbd900e","_type":"span","marks":[],"text":"Hargreaves Lansdown offers a Stocks & Shares "},{"_key":"29ace796d305","_type":"span","marks":["ff8faeee6b84"],"text":"Lifetime ISA"},{"_key":"9015e02533b8","_type":"span","marks":[],"text":", where you can invest up to £4,000 every tax year and benefit from a 25% government top-up."}],"markDefs":[{"_key":"ff8faeee6b84","_type":"internalLinkPick","reference":{"_ref":"f87e514a-5bd1-4a7c-95cd-f1676e520028","_type":"reference"}}],"style":"normal"},{"_key":"f28f107c06d0","_type":"block","children":[{"_key":"741f42304607","_type":"span","marks":[],"text":"As with all LISAs, there are limitations on how you can withdraw your savings – it must either be to buy your first home or to save for your retirement. Make sure to read our full "},{"_key":"5d6ef5041e5b","_type":"span","marks":["48419dd61263"],"text":"LISA guide"},{"_key":"c6730f63aadb","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"48419dd61263","_type":"internalLinkPick","reference":{"_ref":"f87e514a-5bd1-4a7c-95cd-f1676e520028","_type":"reference"}}],"style":"normal"},{"_key":"91d90fb22c8d","_type":"block","children":[{"_key":"b19c8d8e33b60","_type":"span","marks":[],"text":"You can open a Hargreaves Lansdown LISA with a £100 initial lump sum or £25 regular monthly installments."}],"markDefs":[],"style":"normal"},{"_key":"167746efb67f","_type":"block","children":[{"_key":"92ee63bd2449","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"}],"title":"Hargreaves Lansdown LISA review"},{"_key":"79ea3628e56d","_type":"block","children":[{"_key":"2da2dd44276c","_type":"span","marks":[],"text":""},{"_key":"8c88399f152e","_type":"mainAnchor","pageAnchor":{"_ref":"ee27d09d-a3cd-4792-9e2a-c3c517b2e0b2","_type":"reference"}},{"_key":"4248ff4d1967","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a0b345810fd2","_type":"textboxWidget","text":[{"_key":"39d0b591ba1b","_type":"block","children":[{"_key":"83f84237eb81","_type":"span","marks":[],"text":"Hargreaves Lansdown has a "},{"_key":"f4137cbee9bb","_type":"span","marks":["1ea80123d681"],"text":"Stocks & Shares Junior ISA"},{"_key":"54d4dad2cf29","_type":"span","marks":[],"text":", where you can invest up to £9,000 every tax year on behalf of your children or grandchildren."}],"markDefs":[{"_key":"1ea80123d681","_type":"internalLinkPick","reference":{"_ref":"d5b77d3e-daa0-4a42-ba55-c68b5fce8fff","_type":"reference"}}],"style":"normal"},{"_key":"7bd838695165","_type":"block","children":[{"_key":"b883b963d9f70","_type":"span","marks":[],"text":"HL charge no fees for its JISA offering, with zero holding and dealing charges making the JISA completely free. This makes it a no-brainer for those looking to open up an account for their little one."}],"markDefs":[],"style":"normal"},{"_key":"d65c397eb626","_type":"block","children":[{"_key":"efd592a769710","_type":"span","marks":[],"text":"Remember, you will still need to pay management fees for the actual investment product as these are charged by the third-party asset manager, however depending on what kind of investment you pick, these could be as low as 0.10%."}],"markDefs":[],"style":"normal"},{"_key":"ce9ef5c751e3","_type":"block","children":[{"_key":"d10a86d03dd1","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"}],"title":"Hargreaves Lansdown JISA review"},{"_key":"070c9b47235a","_type":"block","children":[{"_key":"7f823b20c5fb","_type":"span","marks":[],"text":""},{"_key":"4172b80a4f80","_type":"mainAnchor","pageAnchor":{"_ref":"4e980c11-5605-4480-b5cf-9ef6d1970af0","_type":"reference"}},{"_key":"9159488031bb","_type":"span","marks":[],"text":"Fees and charges"}],"markDefs":[],"style":"h2"},{"_key":"be658a598dfe","_type":"block","children":[{"_key":"bb90f9013b8d0","_type":"span","marks":[],"text":"The cost of investing with Hargreaves Lansdown differs depending on which type of account you have, your invested amount, and the nature and number of transactions you make. The tables below illustrate how the different charges work."}],"markDefs":[],"style":"normal"},{"_key":"9b1840bc994e","_type":"block","children":[{"_key":"bd063b3f0522","_type":"span","marks":[],"text":"Hargreaves Lansdown ISA and Personal Pension (SIPP) fees"}],"markDefs":[],"style":"h4"},{"_key":"bccc28cb9994","_type":"tableControl","rows":[{"_key":"968390005207","_type":"row","cells":[{"_key":"c5189c184ac9","_type":"cell","tableStyle":"DB","value":[{"_key":"e9326b5beddd","_type":"block","children":[{"_key":"6e2bbbefeb2e","_type":"span","marks":[],"text":"Type"}],"markDefs":[],"style":"normal"}]},{"_key":"94ce69eb1e94","_type":"cell","tableStyle":"DB","value":[{"_key":"67f77c0f784f","_type":"block","children":[{"_key":"2a25c0115d4b","_type":"span","marks":[],"text":"Platform Charge Amount*"}],"markDefs":[],"style":"normal"}]},{"_key":"754850c34c97","_type":"cell","tableStyle":"DB","value":[{"_key":"9b57de09fef5","_type":"block","children":[{"_key":"bfdd2b16240a","_type":"span","marks":[],"text":"Dealing Charge Amount*"}],"markDefs":[],"style":"normal"}]}]},{"_key":"97a19c75e3d0","_type":"row","cells":[{"_key":"b3acd0ed5604","_type":"cell","tableStyle":"W","value":[{"_key":"37d08fed5bd2","_type":"block","children":[{"_key":"2dd51fff7998","_type":"span","marks":[],"text":"Funds"}],"markDefs":[],"style":"normal"}]},{"_key":"051209bdcd0f","_type":"cell","tableStyle":"W","value":[{"_key":"01fa2f9e39c3","_type":"block","children":[{"_key":"8691fb58bed70","_type":"span","marks":[],"text":"£0 - £250k: 0.35%\n£250k - £1m: 0.25%\n£1m - £2m: 0.10%\n"}],"markDefs":[],"style":"normal"}]},{"_key":"0102b835c4ed","_type":"cell","tableStyle":"W","value":[{"_key":"5f8431769894","_type":"block","children":[{"_key":"ccfe0129c775","_type":"span","marks":[],"text":"FREE"}],"markDefs":[],"style":"normal"}]}]},{"_key":"1fb95bdd290f","_type":"row","cells":[{"_key":"8e6e53e45b77","_type":"cell","tableStyle":"W","value":[{"_key":"beec84191ed5","_type":"block","children":[{"_key":"0c9339d080d6","_type":"span","marks":[],"text":"Shares"}],"markDefs":[],"style":"normal"}]},{"_key":"9b1facaa6b49","_type":"cell","tableStyle":"W","value":[{"_key":"907e0ba72cda","_type":"block","children":[{"_key":"aa8082746c0b0","_type":"span","marks":[],"text":"0.35%\nMax annual ISA fee: £150\nMax annual SIPP fee: £150"}],"markDefs":[],"style":"normal"},{"_key":"4fd374fd4421","_type":"block","children":[{"_key":"c9a7a85c0c5b0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"1b428a66bd72","_type":"cell","tableStyle":"W","value":[{"_key":"c81974760a7a","_type":"block","children":[{"_key":"f30c817fb08f","_type":"span","marks":[],"text":"£6.95"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"Fees"},{"_key":"99a46efc8396","_type":"block","children":[{"_key":"44d35e7c1da0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"078c2e0370b0","_type":"block","children":[{"_key":"9af2ab1e4622","_type":"span","marks":[],"text":"*A fund platform charge refers to fees charged for holding an investment in funds on the platform. A fund dealing charge refers to the cost of buying or selling a fund. "}],"markDefs":[],"style":"normal"},{"_key":"3d59c589c81f","_type":"block","children":[{"_key":"8ed900a52b52","_type":"span","marks":[],"text":"*A share platform charge refers to fees charged for holding an investment in listed securities (e.g. shares, ETFs, bonds). A share dealing charge refers to the the cost of buying or selling a listed security. The share dealing charge will vary depending on the amount of trades made in the previous month. "}],"markDefs":[],"style":"normal"},{"_key":"9d0ecc927897","_type":"block","children":[{"_key":"d73e16ee3bec","_type":"span","marks":[],"text":"Hargreaves Lansdown LISA fees"}],"markDefs":[],"style":"h4"},{"_key":"2079147f8c18","_type":"block","children":[{"_key":"880f8ba027790","_type":"span","marks":[],"text":"The platform charge drops from 0.35% to 0.25% for LISAs. The other charges all remain the same."}],"markDefs":[],"style":"normal"},{"_key":"03f7842e6396","_type":"block","children":[{"_key":"136d01ec3070","_type":"span","marks":[],"text":"Hargreaves Lansdown JISA fees"}],"markDefs":[],"style":"h4"},{"_key":"7b2943bcffb4","_type":"block","children":[{"_key":"86be029a78b00","_type":"span","marks":[],"text":"There are no charges for a Hargreaves Lansdown JISA. Both platform charges and dealing charges are completely free."}],"markDefs":[],"style":"normal"},{"_key":"911612ea0fb5","_type":"calcBlock","dashboardId":"D72D5613-C65B-4D0E-BDF7-5944DE7C5188","defaultWrapper":"ISA","introPara":{"_id":"2b148783-9a10-400d-abc8-d48e9be3a0e2","_type":"dictionary","_rev":"7S0ZXFhSrhUDseWBY3SxHq","_createdAt":"2024-02-26T10:06:20Z","_updatedAt":"2024-08-08T13:13:32Z","key":"calculator-paragraph-text","value":"Use the handy calculator below to calculate the cost of an account. Just select which type of account you want to use, type in the amount you want to invest and - hey presto! - our calculator will give you an estimate of how much it costs. Please note estimated fees are calculated excluding promotional offers.","id":"-202dd76e-b565-5f56-b427-adb4545a8988","children":[],"parent":null},"title":"See how much it would cost you","wrapperOptions":["ISA","PENSION","LISA","JISA"],"wrapperText":{"_id":"f5bad97e-9068-4825-b17b-46c23a87f53e","_type":"dictionary","_rev":"9k9gZ0fnjBL4BIeeMdBXgn","_createdAt":"2024-02-13T09:43:43Z","_updatedAt":"2024-02-26T14:19:07Z","key":"calculator-all-inclusive-fees-text","value":"This cost represents the total amount you will pay. It is based on a typical account and will be a very good guide, but may differ depending on the investment option you pick.","id":"-82571e72-dd18-5809-ae8c-0fae34ba9a91","children":[],"parent":null}},{"_key":"d2ca00303e62","_type":"block","children":[{"_key":"bcca54fa7224","_type":"span","marks":[],"text":""},{"_key":"e12a9ec1c21e","_type":"mainAnchor","pageAnchor":{"_ref":"9a9a5fd8-03e4-41c0-8bb9-96205fa99fa0","_type":"reference"}},{"_key":"e1869cdb7067","_type":"span","marks":[],"text":"Customer reviews"}],"markDefs":[],"style":"h2"},{"_key":"1c091d8d5393","_type":"block","children":[{"_key":"8bfa7f1702cb0","_type":"span","marks":[],"text":"Hargreaves Lansdown customers generally think that the website and app is “easy to use” and there is frequent mention of its good customer service, communication, choice of products, and information. However, some more negative reviews are critical of Hargreaves Lansdown’s “higher” and more complex fees and its lack of transparency over the Woodford scandal."}],"markDefs":[],"style":"normal"},{"_key":"8a557a2e5c3e","_type":"yourRatingWidget","company":{"_id":"5dea75a9-467b-4fc5-a1bb-1b5007297b52","_type":"companyCategory","_rev":"Q6z14aedR34UCXcxUclSRO","_createdAt":"2021-09-28T13:47:22Z","_updatedAt":"2026-01-29T09:00:31Z","_system":{"base":{"id":"5dea75a9-467b-4fc5-a1bb-1b5007297b52","rev":"BR99o6YSojcZSyho0XENpm"}},"bestBuyAward":{"_ref":"f0aaa005-852e-41bf-86d8-9e075301adf2","_type":"reference"},"bestBuyType":"PENSION","companyBBCats":["ROBO","DIY","BIGBRAND","DIGITAL"],"companyDisplayName":"Hargreaves Lansdown","companyLogo":{"_type":"mainImage","alt":"Pension Hargreaves Lansdown","asset":{"_ref":"image-7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150-svg","_type":"reference"}},"companyName":"Pension Hargreaves Lansdown","dashboardId":"0e025e84-3e1b-403a-807c-2f7d5add9288","hasOffer":false,"inANutshell":["Excellent service","Established company","Expensive platform fees"],"mostPopularRank":4,"noOfReviews":"1658","offerText":"Add £10k+ to a new HL SIPP and get a £200 John Lewis e-voucher","ourRating":"8","partner":true,"publishedAt":"2021-09-28T13:27:20.009Z","reference":{"_ref":"bd6495c6-84ef-4e86-9d5d-f57fd09ef88f","_type":"reference"},"reviewReference":{"_ref":"7ca22c2a-5a22-4997-9cfb-3c0c6ad85a27","_type":"reference"},"showBBTable":true,"wouldRecommendRating":83.78,"yourRating":"7","id":"-7b768759-394c-5a8e-a42a-b38b09ef7e37","children":[],"parent":null}},{"LeftSideText":[{"_key":"af83af4a837d","_type":"block","children":[{"_key":"3ec73b59c4cd","_type":"span","marks":["strong"],"text":"Your opinion matters!"}],"markDefs":[],"style":"normal"},{"_key":"cb525d3d1967","_type":"block","children":[{"_key":"107168d05712","_type":"span","marks":[],"text":"Leave a review for Hargreaves Lansdown "}],"markDefs":[],"style":"normal"}],"_key":"ff9311ae39fb","_type":"companyReviewWidget","buttonText":"RATE PROVIDER","company":{"_id":"9c7f704c-4cba-4209-92f9-9f8a5c442695","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4cN","_createdAt":"2021-09-22T15:39:59Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"9c7f704c-4cba-4209-92f9-9f8a5c442695","rev":"0FvTSp1yYRm2ugsQpaKWkC"}},"bestBuyAward":{"_ref":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"reference"},"bestBuyAwardVisible":{"_ref":"b0e152d6-2c69-4b10-8fba-28572e0ec00f","_type":"reference"},"bestBuyType":"ISA","companyBBCats":["DIY"],"companyDisplayName":"Hargreaves Lansdown","companyLogo":{"_type":"mainImage","alt":"Hargreaves Lansdown ","asset":{"_ref":"image-7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150-svg","_type":"reference"}},"companyName":"ISA Hargreaves Lansdown ","comparisonCriteria":[{"_key":"94d9833f402a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"1fc39ddba2aa","_type":"block","children":[{"_key":"9203881de898","_type":"span","marks":[],"text":"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, Junior ISAs, ISAs, pensions and cash, these guys know their stuff."}],"markDefs":[],"style":"normal"}]},{"_key":"6ca3474818f0","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"0cd38f9074a2","_type":"block","children":[{"_key":"eb2c746afd6f","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"6865b1bab503","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"ca155be63d46","_type":"block","children":[{"_key":"c69d3ffd1647","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"920e39f4fee9","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"2ef1adb8210b","_type":"block","children":[{"_key":"cc9e1ed05f58","_type":"span","marks":[],"text":"Funds: 0.45% (for the first £250,000)"}],"markDefs":[],"style":"normal"},{"_key":"7791cc18cb85","_type":"block","children":[{"_key":"5d55502d67c3","_type":"span","marks":[],"text":"Shares: 0.45% (max £45 per year) "}],"markDefs":[],"style":"normal"}]},{"_key":"2965dd6034ae","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"ff036449dd37","_type":"block","children":[{"_key":"d3742788c30f","_type":"span","marks":[],"text":"Funds: free"}],"markDefs":[],"style":"normal"},{"_key":"1ef382df1e5e","_type":"block","children":[{"_key":"cfcac64d8ae3","_type":"span","marks":[],"text":"Shares: £11.95 (for trading less than 9*units) "}],"markDefs":[],"style":"normal"},{"_key":"bb14bdad577f","_type":"block","children":[{"_key":"6dafbde0923d","_type":"span","marks":[],"text":"* deals in previous month"}],"markDefs":[],"style":"normal"}]},{"_key":"10eada4c9d27","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"c61dbf0b4e17","_type":"block","children":[{"_key":"1e719ee4c932","_type":"span","marks":[],"text":"1% (for the first 5k)"}],"markDefs":[],"style":"normal"}]},{"_key":"6d281e2ea3b2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"18a3144b9c4c","_type":"block","children":[{"_key":"fe96f81e2cf8","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8496d1585767","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"ccebb27726ff","_type":"block","children":[{"_key":"55473baeab90","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"0631bda285c3","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"631ac7b7096a","_type":"block","children":[{"_key":"c5c9dfaefdc6","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"61e632ccf4be","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"bc512f510c42","_type":"block","children":[{"_key":"049a2aa42bf8","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"f6831c15cd93","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"2fcfe4d2d6a8","_type":"block","children":[{"_key":"8f79a6078ccb","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"74072fdaae7a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"89aa0b6ca86f","_type":"block","children":[{"_key":"16e214603fe0","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"d01b536ada2c","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"7846ef54b53b","_type":"block","children":[{"_key":"9218647a7984","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"1187715226f5","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"051a67c2c5bb","_type":"block","children":[{"_key":"c913bdd7e384","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"D72D5613-C65B-4D0E-BDF7-5944DE7C5188","hasOffer":false,"inANutshell":["Excellent service","Established company","Very strong service and educational content "],"inANutshellVisible":["Biggest platform in the UK","Excellent research options","On the pricey side"],"mostPopularRank":6,"noOfReviews":"3910","offerText":"Add £10k+ to a new HL Stocks & Shares ISA and get a £150 John Lewis e-voucher","ourRating":"9","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"775746c0-d70d-4660-9d37-08b9ccc2c92d","_type":"reference"},"reviewReference":{"_ref":"7ca22c2a-5a22-4997-9cfb-3c0c6ad85a27","_type":"reference"},"showBBTable":true,"visibleReadMoreText":[{"_key":"0e4a559a8615","_type":"block","children":[{"_key":"4838fe491f11","_type":"span","marks":[],"text":"Hargreaves Lansdown is the biggest most established platform in the UK and it’s very good to use. Service is strong and the phone support pretty faultless. It will confuse the less confident and the charges are undeniably steep. They are the Waitrose of investment providers – if you are busy and value peace of mind and excellence above the lowest charges available, it’s a good option."}],"markDefs":[],"style":"normal"}],"wouldRecommendRating":87.07,"yourRating":"8","id":"-e38b6366-a132-55e7-a66e-9f3c2a363dbc","children":[],"parent":null}},{"_key":"0a2829b83fc9","_type":"block","children":[{"_key":"777bc98560c8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"af12ae4436b2","_type":"providerReviewsWidget","company":{"_id":"9c7f704c-4cba-4209-92f9-9f8a5c442695","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4cN","_createdAt":"2021-09-22T15:39:59Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"9c7f704c-4cba-4209-92f9-9f8a5c442695","rev":"0FvTSp1yYRm2ugsQpaKWkC"}},"bestBuyAward":{"_ref":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"reference"},"bestBuyAwardVisible":{"_ref":"b0e152d6-2c69-4b10-8fba-28572e0ec00f","_type":"reference"},"bestBuyType":"ISA","companyBBCats":["DIY"],"companyDisplayName":"Hargreaves Lansdown","companyLogo":{"_type":"mainImage","alt":"Hargreaves Lansdown ","asset":{"_ref":"image-7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150-svg","_type":"reference"}},"companyName":"ISA Hargreaves Lansdown ","comparisonCriteria":[{"_key":"94d9833f402a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"1fc39ddba2aa","_type":"block","children":[{"_key":"9203881de898","_type":"span","marks":[],"text":"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, Junior ISAs, ISAs, pensions and cash, these guys know their stuff."}],"markDefs":[],"style":"normal"}]},{"_key":"6ca3474818f0","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"0cd38f9074a2","_type":"block","children":[{"_key":"eb2c746afd6f","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"6865b1bab503","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"ca155be63d46","_type":"block","children":[{"_key":"c69d3ffd1647","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"920e39f4fee9","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"2ef1adb8210b","_type":"block","children":[{"_key":"cc9e1ed05f58","_type":"span","marks":[],"text":"Funds: 0.45% (for the first £250,000)"}],"markDefs":[],"style":"normal"},{"_key":"7791cc18cb85","_type":"block","children":[{"_key":"5d55502d67c3","_type":"span","marks":[],"text":"Shares: 0.45% (max £45 per year) "}],"markDefs":[],"style":"normal"}]},{"_key":"2965dd6034ae","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"ff036449dd37","_type":"block","children":[{"_key":"d3742788c30f","_type":"span","marks":[],"text":"Funds: free"}],"markDefs":[],"style":"normal"},{"_key":"1ef382df1e5e","_type":"block","children":[{"_key":"cfcac64d8ae3","_type":"span","marks":[],"text":"Shares: £11.95 (for trading less than 9*units) "}],"markDefs":[],"style":"normal"},{"_key":"bb14bdad577f","_type":"block","children":[{"_key":"6dafbde0923d","_type":"span","marks":[],"text":"* deals in previous month"}],"markDefs":[],"style":"normal"}]},{"_key":"10eada4c9d27","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"c61dbf0b4e17","_type":"block","children":[{"_key":"1e719ee4c932","_type":"span","marks":[],"text":"1% (for the first 5k)"}],"markDefs":[],"style":"normal"}]},{"_key":"6d281e2ea3b2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"18a3144b9c4c","_type":"block","children":[{"_key":"fe96f81e2cf8","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8496d1585767","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"ccebb27726ff","_type":"block","children":[{"_key":"55473baeab90","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"0631bda285c3","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"631ac7b7096a","_type":"block","children":[{"_key":"c5c9dfaefdc6","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"61e632ccf4be","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"bc512f510c42","_type":"block","children":[{"_key":"049a2aa42bf8","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"f6831c15cd93","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"2fcfe4d2d6a8","_type":"block","children":[{"_key":"8f79a6078ccb","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"74072fdaae7a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"89aa0b6ca86f","_type":"block","children":[{"_key":"16e214603fe0","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"d01b536ada2c","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"7846ef54b53b","_type":"block","children":[{"_key":"9218647a7984","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"1187715226f5","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"051a67c2c5bb","_type":"block","children":[{"_key":"c913bdd7e384","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"D72D5613-C65B-4D0E-BDF7-5944DE7C5188","hasOffer":false,"inANutshell":["Excellent service","Established company","Very strong service and educational content "],"inANutshellVisible":["Biggest platform in the UK","Excellent research options","On the pricey side"],"mostPopularRank":6,"noOfReviews":"3910","offerText":"Add £10k+ to a new HL Stocks & Shares ISA and get a £150 John Lewis e-voucher","ourRating":"9","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"775746c0-d70d-4660-9d37-08b9ccc2c92d","_type":"reference"},"reviewReference":{"_ref":"7ca22c2a-5a22-4997-9cfb-3c0c6ad85a27","_type":"reference"},"showBBTable":true,"visibleReadMoreText":[{"_key":"0e4a559a8615","_type":"block","children":[{"_key":"4838fe491f11","_type":"span","marks":[],"text":"Hargreaves Lansdown is the biggest most established platform in the UK and it’s very good to use. Service is strong and the phone support pretty faultless. It will confuse the less confident and the charges are undeniably steep. They are the Waitrose of investment providers – if you are busy and value peace of mind and excellence above the lowest charges available, it’s a good option."}],"markDefs":[],"style":"normal"}],"wouldRecommendRating":87.07,"yourRating":"8","id":"-e38b6366-a132-55e7-a66e-9f3c2a363dbc","children":[],"parent":null},"companyReviewPageReference":{"_id":"3effa6a0-56a0-4d8a-92e9-d91acdb74695","_type":"information","_rev":"7iWBSJo7RV4HdBHUuVc4YH","_createdAt":"2022-02-03T21:36:39Z","_updatedAt":"2025-07-16T09:13:28Z","_system":{"base":{"id":"3effa6a0-56a0-4d8a-92e9-d91acdb74695","rev":"DmK61VtPyEhMsfOjcsbalH"}},"body":[{"_key":"b870a33d7976","_type":"providerHeaderWidget","company":{"_ref":"9c7f704c-4cba-4209-92f9-9f8a5c442695","_type":"reference"}},{"_key":"e130a79c73ac","_type":"block","children":[{"_key":"eb8678b6615b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c6156cc7ae29","_type":"block","children":[{"_key":"e6c2330adf8a","_type":"span","marks":[],"text":"We collect reviews and share feedback from real users to give you the best information about providers."}],"markDefs":[],"style":"normal"},{"_key":"af772f1d7ece","_type":"customerReviewsWidget","company":{"_ref":"9c7f704c-4cba-4209-92f9-9f8a5c442695","_type":"reference"}}],"company":{"_ref":"9c7f704c-4cba-4209-92f9-9f8a5c442695","_type":"reference"},"pageBreadcrumb":{"_ref":"56e08afd-2b80-4970-a3f3-6d42fd8122a1","_type":"reference"},"publishedAt":"2022-01-07T14:00:49.562Z","slug":{"_type":"slug","current":"hargreaves-lansdown-customer-reviews"},"subfolder":{"_ref":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"reference"},"template":"C-SB","title":"Customer Reviews","id":"-c6f9bfe3-c06b-58f4-81e7-4a6350b6e5f3","children":[],"parent":null}},{"_key":"fc31ceb772a4","_type":"block","children":[{"_key":"d31cedfb3a09","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e3383edbbb66","_type":"block","children":[{"_key":"a139b53d8266","_type":"span","marks":[],"text":""},{"_key":"d43b8b7426fa","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"4c0140787df6","_type":"span","marks":[],"text":"Most asked questions"}],"markDefs":[],"style":"h2"},{"_key":"b8be42c9ee7e","_type":"block","children":[{"_key":"6cd5a6bf02aa","_type":"span","marks":[],"text":""},{"_key":"a9e264e20346","_type":"mainAnchor","pageAnchor":{"_ref":"d1046785-69e9-496b-ad81-606ac5827160","_type":"reference"}},{"_key":"5d1c18b8c64d","_type":"span","marks":[],"text":" Is Hargreaves Lansdown safe?"}],"markDefs":[],"style":"h3"},{"_key":"f28c01d58e05","_type":"block","children":[{"_key":"ea42307c2d0d0","_type":"span","marks":[],"text":"Cash savings with Hargreaves Lansdown are covered by the UK government’s Financial Services Compensation Scheme (FSCS), which guarantees reimbursement up to the value of £120,000 per person in the event that Hargreaves Lansdown fails. Any amount above this threshold is unlikely to be covered. Investments with Hargreaves Lansdown, on the other hand, are not guaranteed - by their nature, investments can and will go up and down in value."}],"markDefs":[],"style":"normal"},{"_key":"a647d0488487","_type":"block","children":[{"_key":"0ad00f7a8185","_type":"span","marks":[],"text":""},{"_key":"785f20fec7f0","_type":"mainAnchor","pageAnchor":{"_ref":"565edaa6-ad24-4e23-9720-11938d4dd074","_type":"reference"}},{"_key":"503b8ba70eeb","_type":"span","marks":[],"text":"Who owns Hargreaves Lansdown?"}],"markDefs":[],"style":"h3"},{"_key":"95bdd4eacd93","_type":"block","children":[{"_key":"ba845b266def0","_type":"span","marks":[],"text":"Hargreaves Lansdown was co-founded by Peter Hargreaves and Stephen Lansdown in 1981. It’s now owned by CVC Capital Partners, Nordic Capital, and Platinum Ivy."}],"markDefs":[],"style":"normal"},{"_key":"c2c94c0062a2","_type":"block","children":[{"_key":"f973e1799484","_type":"span","marks":[],"text":""},{"_key":"cbf421f3e12c","_type":"mainAnchor","pageAnchor":{"_ref":"e97b4e63-6dbd-4a2e-b41c-60249c87f6a8","_type":"reference"}},{"_key":"5eaa85ee7187","_type":"span","marks":[],"text":"Can you buy bonds on Hargreaves Lansdown?"}],"markDefs":[],"style":"h3"},{"_key":"74b3a9ceedb9","_type":"block","children":[{"_key":"bb2405d095380","_type":"span","marks":[],"text":"Yes, you can buy bonds directly on Hargreaves Lansdown. However, most bonds, gilts and Permanent Interest Bearing Shares (PIBS) can only be dealt with over the phone – for which Hargreaves Lansdown has a phone dealing charge of 1% (£20 minimum, £50 maximum). Some bonds can be dealt online though and are charged at Hargreaves Lansdown’s normal share dealing rates."}],"markDefs":[],"style":"normal"},{"_key":"0bb0ec0ead26","_type":"block","children":[{"_key":"f35de0253a0b","_type":"span","marks":[],"text":""},{"_key":"71e790c7febb","_type":"mainAnchor","pageAnchor":{"_ref":"7f5c1f88-3511-4db3-929b-11f3da44a8af","_type":"reference"}},{"_key":"6f336edc3dea0","_type":"span","marks":[],"text":"Do Hargreaves Lansdown charge to sell shares?"}],"markDefs":[],"style":"h3"},{"_key":"7fbbd665db79","_type":"block","children":[{"_key":"078dae139e500","_type":"span","marks":[],"text":"Yes, Hargreaves Lansdown has share dealing charges which you have to pay when you sell UK and overseas shares*, investment trusts, ETFs, gilts and bonds."}],"markDefs":[],"style":"normal"},{"_key":"a67b8e1d62d7","_type":"block","children":[{"_key":"719a887b988f0","_type":"span","marks":[],"text":"The charges are broken down into tiers depending on how many deals you have completed in the previous month:"}],"markDefs":[],"style":"normal"},{"_key":"d400b465069d","_type":"block","children":[{"_key":"8d45038ff920","_type":"span","marks":[],"text":""},{"_key":"9d05f17cd58f","_type":"mainAnchor","pageAnchor":{"_ref":"23dc9289-34e8-495e-93b1-030a87dd5e52","_type":"reference"}},{"_key":"550a57a0c749","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"06383c5cd10d","_type":"tableControl","rows":[{"_key":"5cb100a5de86","_type":"row","cells":[{"_key":"cd7facb89814","_type":"cell","tableStyle":"DB","value":[{"_key":"56a55736a5b8","_type":"block","children":[{"_key":"d287b4b5fd760","_type":"span","marks":[],"text":"Deals in previous month"}],"markDefs":[],"style":"normal"}]},{"_key":"cb47c9311177","_type":"cell","tableStyle":"DB","value":[{"_key":"14648d26f3c1","_type":"block","children":[{"_key":"2f0b43608ded0","_type":"span","marks":[],"text":"Share dealing charge"}],"markDefs":[],"style":"normal"}]}]},{"_key":"51e1e0aef0b4","_type":"row","cells":[{"_key":"fe02b743c529","_type":"cell","tableStyle":"W","value":[{"_key":"064e93339829","_type":"block","children":[{"_key":"1f2a2d028f9b0","_type":"span","marks":[],"text":"0-9"}],"markDefs":[],"style":"normal"}]},{"_key":"ee877ad27dc9","_type":"cell","tableStyle":"W","value":[{"_key":"d11eefda056f","_type":"block","children":[{"_key":"50bfc175f2730","_type":"span","marks":[],"text":"£11.95"}],"markDefs":[],"style":"normal"}]}]},{"_key":"da40f3424b5ac0b4b3a03b2bd290fb91","_type":"row","cells":[{"_key":"fe02b743c529","_type":"cell","tableStyle":"W","value":[{"_key":"064e93339829","_type":"block","children":[{"_key":"1f2a2d028f9b0","_type":"span","marks":[],"text":"10-19"}],"markDefs":[],"style":"normal"}]},{"_key":"ee877ad27dc9","_type":"cell","tableStyle":"W","value":[{"_key":"d11eefda056f","_type":"block","children":[{"_key":"50bfc175f2730","_type":"span","marks":[],"text":"£8.95"}],"markDefs":[],"style":"normal"}]}]},{"_key":"34fd18c3bf0745b6fc38d746a22d7852","_type":"row","cells":[{"_key":"fe02b743c529","_type":"cell","tableStyle":"W","value":[{"_key":"064e93339829","_type":"block","children":[{"_key":"1f2a2d028f9b0","_type":"span","marks":[],"text":"20+"}],"markDefs":[],"style":"normal"}]},{"_key":"ee877ad27dc9","_type":"cell","tableStyle":"W","value":[{"_key":"d11eefda056f","_type":"block","children":[{"_key":"50bfc175f2730","_type":"span","marks":[],"text":"£5.95"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"Share charges"},{"_key":"8b329b07771f","_type":"block","children":[{"_key":"b72b3f2c64ad0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c88255274425","_type":"block","children":[{"_key":"afbda488eb87","_type":"span","marks":[],"text":"There are no charges for online dealing with a Hargreaves Lansdown JISA. "}],"markDefs":[],"style":"normal"},{"_key":"4825a20fff16","_type":"block","children":[{"_key":"63866cbeccb40","_type":"span","marks":[],"text":"You can read more about share dealing on Hargreaves Lansdown "},{"_key":"6718adb0f3b0","_type":"span","marks":["c61f4922744a"],"text":"here"},{"_key":"5c9d600971d0","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"c61f4922744a","_type":"internalLinkPick","reference":{"_ref":"818c005d-811c-45c5-9a0b-592315203a50","_type":"reference"}}],"style":"normal"},{"_key":"2a820e1a5f89","_type":"block","children":[{"_key":"60e642b87edd","_type":"span","marks":[],"text":""},{"_key":"112804bebb71","_type":"mainAnchor","pageAnchor":{"_ref":"c006d558-0cdf-4015-ae60-607b0c46a2e7","_type":"reference"}},{"_key":"d839ab100e73","_type":"span","marks":[],"text":"Do Hargreaves Lansdown charge exit fees?"}],"markDefs":[],"style":"h3"},{"_key":"21e0d1dfa5ed","_type":"block","children":[{"_key":"a290d65e0ff40","_type":"span","marks":[],"text":"Hargreaves Lansdown do not charge exit fees if you close your account or transfer your funds to another provider."}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"99849950bf93","_type":"block","children":[{"_key":"86d2a69ba001","_type":"span","marks":["strong"],"text":"Visit the Hargreaves Lansdown's website for more information"}],"markDefs":[],"style":"normal"}],"_key":"6d5196f9d2c7","_type":"ctaWidget","openNewTab":true,"partner":true,"reference":{"_id":"775746c0-d70d-4660-9d37-08b9ccc2c92d","_type":"linkCategory","_rev":"dKJQlTYAFWiLLnJ0c0VCeL","_createdAt":"2021-09-30T08:50:46Z","_updatedAt":"2025-08-18T11:06:59Z","_system":{"base":{"id":"775746c0-d70d-4660-9d37-08b9ccc2c92d","rev":"DmK61VtPyEhMsfOjcsZMXo"}},"description":"Affiliate UTM Hargreaves Lansdown ISA","url":"https://hl.7eer.net/c/2384875/890703/1774/","id":"-e9e8faaa-45f0-59ef-a4cf-d4ce4a24da05","children":[],"parent":null},"text":"VISIT SITE "},{"_key":"31a889c96808","_type":"block","children":[{"_key":"5266a397cb55","_type":"span","marks":[],"text":""},{"_key":"efed765b096d","_type":"mainAnchor","pageAnchor":{"_ref":"08f91d37-f8e6-4d45-bf2f-c8d9fb950e62","_type":"reference"}},{"_key":"44c284e4aa87","_type":"span","marks":[],"text":"Glossary"}],"markDefs":[],"style":"h2"},{"LeftSideText":[{"_key":"fee6100bb3ec","_type":"block","children":[{"_key":"e8efc3d7ce4a","_type":"span","marks":["strong"],"text":"Not 100% sure you understand something we’ve written in this review? "}],"markDefs":[],"style":"normal"},{"_key":"9acb1a0520ad","_type":"block","children":[{"_key":"1b19a24ae829","_type":"span","marks":[],"text":"Discover jargon-free definitions of the most common words and technical terms used in the world of investing."}],"markDefs":[],"style":"normal"}],"_key":"797dda2c8bea","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_id":"5d7b7a10-93b8-4e8e-b898-eeb81f7bb976","_type":"information","_rev":"tog0wU1YHKUDgALpAlmmZ1","_createdAt":"2023-11-13T14:54:54Z","_updatedAt":"2024-12-20T10:04:12Z","authors":[{"_key":"37f62d1292a8","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"body":[{"_key":"71d249d9d01f","_type":"block","children":[{"_key":"c44a72677fe0","_type":"span","marks":["strong"],"text":"Boring Money's glossary has been created to help you better understand the world of finance and investing. Use it to break through the jargon and learn about common financial words and technical terms that relate to your money. We hope you find it helpful and easy to understand - whether you're a beginner investor or a budding Wolf of Wall Street."}],"markDefs":[],"style":"normal"},{"_key":"0622aa4999ff","_type":"block","children":[{"_key":"ac560989e19a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"626942a663a9","_type":"mainImage","alt":"An image of an open book and a set of Scrabble letters spelling out 'glossary'","asset":{"_ref":"image-e7bb499b6f0e9736ca8cd31bd4ea6864375b3101-1920x1080-png","_type":"reference"}},{"_key":"706b03ba0de6","_type":"block","children":[{"_key":"75b8a99586c0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"565c0c44e4be","_type":"block","children":[{"_key":"36a2528cf8c5","_type":"span","marks":[],"text":"How does it work?"}],"markDefs":[],"style":"h3"},{"_key":"9d83116f0520","_type":"block","children":[{"_key":"9ca4b8af735f","_type":"span","marks":[],"text":"Scroll down to begin learning about terms starting with the letter 'A' or use the menu to the left (below on mobile) to skip to the section you're looking for."}],"markDefs":[],"style":"normal"},{"_key":"4288ba86f457","_type":"anchorMenuMobile","title":"s"},{"_key":"f5045e0032ed","_type":"block","children":[{"_key":"6f2de6882cc7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"40848fa4f9f3","_type":"block","children":[{"_key":"8d84c97822a0","_type":"span","marks":[],"text":""},{"_key":"55f89ac5b1f8","_type":"mainAnchor","pageAnchor":{"_ref":"9f33a9fe-bf26-47e6-980a-92ef56b35048","_type":"reference"}},{"_key":"6d156f2bb4ec","_type":"span","marks":[],"text":""},{"_key":"f9cdf9c18a56","_type":"mainAnchor","pageAnchor":{"_ref":"7f2fc9e3-0c19-418f-8982-8172e658c6e6","_type":"reference"}},{"_key":"f459a572abb6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a676fa7fc813","_type":"dropdownWidget","items":[{"_key":"4231c712c52f","_type":"dropdownObject","text":[{"_key":"37f2f69c7e6d","_type":"block","children":[{"_key":"323f23660f73","_type":"span","marks":[],"text":"Accumulating (Acc)"}],"markDefs":[],"style":"h4"},{"_key":"1517798f4932","_type":"block","children":[{"_key":"ca4b7e32c4fb","_type":"span","marks":[],"text":"This is a descriptor used when a fund reinvests any dividends back into the fund itself and thus accumulates over time. In other words, you do not earn an income from an Acc fund, but it may suit 'growth' investors who want to prioritise the value of their assets growing over time."}],"markDefs":[],"style":"normal"},{"_key":"06fe8c08d34c","_type":"block","children":[{"_key":"c00d44a3a0a1","_type":"span","marks":[],"text":"Actively managed"}],"markDefs":[],"style":"h4"},{"_key":"cc645aa7f11c","_type":"block","children":[{"_key":"b5216f215395","_type":"span","marks":[],"text":"An actively managed investment is run by a professional or group of professionals, usually called portfolio managers or fund managers, who make decisions about what to buy to try and outperform the market for their customers. Actively managed investments are different from passive investments."}],"markDefs":[],"style":"normal"},{"_key":"8a51ed8d3cb6","_type":"block","children":[{"_key":"2ad7da7a77c4","_type":"span","marks":[],"text":"Alpha"}],"markDefs":[],"style":"h4"},{"_key":"38ae0c3ea765","_type":"block","children":[{"_key":"b887c801ca5f0","_type":"span","marks":[],"text":"Alpha is how much better (or worse) an investment performs compared to what you'd expect it to perform, considering its risk level."}],"markDefs":[],"style":"normal"},{"_key":"036f3b595cd1","_type":"block","children":[{"_key":"e91a4879862a0","_type":"span","marks":[],"text":"Think of it like this: If you're taking on a certain amount of risk with an investment, there's a typical return you should expect. Alpha tells you if you're getting more or less than that expected return. A positive alpha means you're beating expectations, while a negative alpha means you're falling short."}],"markDefs":[],"style":"normal"},{"_key":"47ceb3d0e5b3","_type":"block","children":[{"_key":"be9cea48e946","_type":"span","marks":[],"text":"Annuity"}],"markDefs":[],"style":"h4"},{"_key":"e65b4d55194e","_type":"block","children":[{"_key":"ddbe25414f44","_type":"span","marks":[],"text":"An annuity is a product you can buy which pays out a guaranteed, regular stream of income. They are most often purchased by retirees to convert their retirement savings into annual income packages. This is an alternative to pension drawdown, where you withdraw cash from your pension at your own discretion."}],"markDefs":[],"style":"normal"},{"_key":"099e5cf58cd6","_type":"block","children":[{"_key":"2f6cb36e28fe","_type":"span","marks":[],"text":"Asset"}],"markDefs":[],"style":"h4"},{"_key":"18b4a1b002ae","_type":"block","children":[{"_key":"926ed2451b39","_type":"span","marks":[],"text":"Assets are anything you own that has monetary value. In the investing world, these are the individual things you're investing in. Common examples of assets include shares, bonds, property or cash. Asset allocation refers to how different assets are divided up as part of an investment portfolio."}],"markDefs":[],"style":"normal"},{"_key":"dab68c3b6bb7","_type":"block","children":[{"_key":"bfc283794767","_type":"span","marks":[],"text":"Asset allocation"}],"markDefs":[],"style":"h4"},{"_key":"26ce35095abc","_type":"block","children":[{"_key":"a291ba78009c","_type":"span","marks":[],"text":"Asset allocation refers to the way an investor divides their portfolio among different asset classes. For example, 70% in shares and 30% in bonds. The mix of different assets and the proportion of the overall portfolio that these they make up is a key component of managing a successful investment portfolio."}],"markDefs":[],"style":"normal"},{"_key":"9e980c7e8754","_type":"block","children":[{"_key":"ec3e78058b24","_type":"span","marks":[],"text":"Asset class"}],"markDefs":[],"style":"h4"},{"_key":"62e64c1903ce","_type":"block","children":[{"_key":"6d7fcedf18fc","_type":"span","marks":[],"text":"An asset class or asset type is a group of assets which share similar characteristics and are subject to the same rules and regulations. For example, shares, bonds, cash, foreign currency and property are all different asset classes."}],"markDefs":[],"style":"normal"},{"_key":"9dee2de9597f","_type":"block","children":[{"_key":"36fcf25cd6a6","_type":"span","marks":[],"text":"Asset manager"}],"markDefs":[],"style":"h4"},{"_key":"3ad4e7951296","_type":"block","children":[{"_key":"56b0f6520f8e","_type":"span","marks":[],"text":"An asset manager is an individual or company whose job is to create and manage investments. Asset management firms develop, manage and continually monitor investment products, such as funds, with the aim of generating growth for their investors. Examples of large asset management firms include BlackRock, Fidelity and Invesco."}],"markDefs":[],"style":"normal"},{"_key":"5ebb41045d42","_type":"block","children":[{"_key":"b2c24736f8af","_type":"span","marks":[],"text":"Ask price"}],"markDefs":[],"style":"h4"},{"_key":"f06a7b38f586","_type":"block","children":[{"_key":"d232e86c9379","_type":"span","marks":[],"text":"The ask price is the lowest price at which a seller states they are willing to sell an investment. It is often referred to in conjunction with the bid price or the bid-ask spread."}],"markDefs":[],"style":"normal"},{"_key":"d8b3a16e38e2","_type":"block","children":[{"_key":"7df1011bfe49","_type":"span","marks":[],"text":"Assets Under Management (AUM)"}],"markDefs":[],"style":"h4"},{"_key":"de3a3453aa14","_type":"block","children":[{"_key":"744a2102ea02","_type":"span","marks":[],"text":"AUM stands for Assets Under Management and refers to the total market value of the investments managed by an entity such as a fund or a bank. In other words, it shows how much money is currently in invested in it, based on today's valuations. For example, if 1,000 investors put £1 into a fund, the fund would have £1,000 AUM. If the market then went up by 10%, its AUM would rise to £1,100."}],"markDefs":[],"style":"normal"}],"title":"A"}]},{"_key":"9426e466fc01","_type":"block","children":[{"_key":"0868deee419b","_type":"span","marks":[],"text":""},{"_key":"ed0281f96ed1","_type":"mainAnchor","pageAnchor":{"_ref":"83dd3813-7e20-41a6-9d6f-2400df97ef06","_type":"reference"}},{"_key":"d7533db16edd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4f32e512718f","_type":"dropdownWidget","items":[{"_key":"1f66a423f34d","_type":"dropdownObject","text":[{"_key":"e3a91e48b13e","_type":"block","children":[{"_key":"f01613493bd3","_type":"span","marks":[],"text":"Base rate"}],"markDefs":[],"style":"h4"},{"_key":"953c008bf369","_type":"block","children":[{"_key":"fed6b9794a7f","_type":"span","marks":[],"text":"The base rate is the interest rate which central banks, such as the Bank of England, charge other banks and financial institutions for taking out a loan. It influences the interest rates charged on things like personal loans and mortgages. For example, if the base rate goes up, the interest rate on a personal loan may go up. The Bank of England website has a useful illustration of the base rate and its historic movements "},{"_key":"65073a82f5b4","_type":"span","marks":["294f87d04ee5"],"text":"here"},{"_key":"ce325060ab94","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"294f87d04ee5","_type":"internalLinkPick","reference":{"_ref":"0273c843-7730-468c-8dae-3576ce29fda7","_type":"reference"}}],"style":"normal"},{"_key":"3fe6f158a436","_type":"block","children":[{"_key":"320ee5c43f00","_type":"span","marks":[],"text":"Basis points (bps)"}],"markDefs":[],"style":"h4"},{"_key":"77392871e776","_type":"block","children":[{"_key":"76782f22eb64","_type":"span","marks":[],"text":"Basis points or bps are a unit of measurement equal to 1/100th of a percentage point. This is commonly used to express changes to interest rates or prices, such as when a investment company alters its fees. You might, for example, hear on the news that the Bank of England has increased interest rates by 25 basis points (0.25%)."}],"markDefs":[],"style":"normal"},{"_key":"0e3e99b9a0ec","_type":"block","children":[{"_key":"cd99224042b7","_type":"span","marks":[],"text":"Bear market"}],"markDefs":[],"style":"h4"},{"_key":"a5a4028a6402","_type":"block","children":[{"_key":"72714a34b9860","_type":"span","marks":[],"text":"A bear market happens when share prices are falling or are expected to fall - like during a recession (hence it is generally considered to signal tough times ahead). The broad definition of a bear market is when a large proportion of share prices fall 20% or more. The adjective \"bearish\" can be used to describe individual assets, such as shares or currency, as well as the stock market itself. It is the opposite of \"bull market\"."}],"markDefs":[],"style":"normal"},{"_key":"b650d524c736","_type":"block","children":[{"_key":"93956ba104f7","_type":"span","marks":[],"text":"Benchmark"}],"markDefs":[],"style":"h4"},{"_key":"ba5e95becc76","_type":"block","children":[{"_key":"62f8fb8400ad","_type":"span","marks":[],"text":"A benchmark is the standard against which an investment is measured in order to judge its relative performance, asset allocation or risk. It’s usually an index or fund that is used as a point of comparison for investments made up of similar assets. For example, the S&P 500 index is a common benchmark used to compare the performance of shares in large, American companies."}],"markDefs":[],"style":"normal"},{"_key":"13b261412d98","_type":"block","children":[{"_key":"0fb88dd461ff","_type":"span","marks":[],"text":"Beneficiary"}],"markDefs":[],"style":"h4"},{"_key":"039ad5b3883b","_type":"block","children":[{"_key":"0c1ab210da81","_type":"span","marks":[],"text":"A beneficiary is an individual who receives money or assets, usually as part of a deceased person's will, pension or life insurance policy. You can usually nominate your chosen beneficiary or beneficiaries, but unless specified otherwise, your spouse, civil partner and/or next of kin are typically treated as your beneficiaries by default."}],"markDefs":[],"style":"normal"},{"_key":"40e65eb9d02a","_type":"block","children":[{"_key":"49a303acc7ff","_type":"span","marks":[],"text":"Bid-ask spread"}],"markDefs":[],"style":"h4"},{"_key":"98c76c5c6e2a","_type":"block","children":[{"_key":"b02d71561f0e","_type":"span","marks":[],"text":"The bid-ask spread is the amount by which the ask price (the lowest price the seller is willing to sell at) exceeds the bid price (the highest price the buyer is willing to buy at). A low bid-ask spread is considered more desirable as it facilitates quicker and easier trades, whereas a high bid-ask spread may become an obstacle and make it more difficult to complete a trade."}],"markDefs":[],"style":"normal"},{"_key":"73b7314ce137","_type":"block","children":[{"_key":"1ffc1d9e80f2","_type":"span","marks":[],"text":"Bid price"}],"markDefs":[],"style":"h4"},{"_key":"be1f08a4cb5d","_type":"block","children":[{"_key":"2660920b7428","_type":"span","marks":[],"text":"The bid price is the highest price a buyer is willing to pay for an investment. It's often referred to in conjunction with the ask price or the bid-ask spread."}],"markDefs":[],"style":"normal"},{"_key":"ad47e8b69c37","_type":"block","children":[{"_key":"d6642431907f","_type":"span","marks":[],"text":"Bond"}],"markDefs":[],"style":"h4"},{"_key":"1086f1593163","_type":"block","children":[{"_key":"36c41fda7d6c","_type":"span","marks":[],"text":"A bond is a type of asset that represents a loan. Bonds are usually issued by a government, company or agency that wants to raise money to fund its operations. The loan is granted in exchange for a defined rate of interest, called a \"coupon\", over a set period of time. At the end of this period, the initial amount is repaid in full - on top of the accrued interest. "}],"markDefs":[],"style":"normal"},{"_key":"944ac4a5b7a8","_type":"block","children":[{"_key":"303b551b4f65","_type":"span","marks":[],"text":"Bull market"}],"markDefs":[],"style":"h4"},{"_key":"11cb1724a666","_type":"block","children":[{"_key":"fb43c016d7f7","_type":"span","marks":[],"text":"A bull market occurs when prices are rising or are expected to rise - for example, during a recovery after a recession (therefore it is often seen as a positive sign). The most widely-accepted point at which it becomes a bull market is when a large proportion of share prices rise 20% or more. Like \"bearish\", the term \"bullish\" can also be used to describe individual assets as well as the stock market."}],"markDefs":[],"style":"normal"}],"title":"B"}]},{"_key":"5ecf0c91627c","_type":"block","children":[{"_key":"64a289cbf370","_type":"span","marks":[],"text":""},{"_key":"804133d4cacc","_type":"mainAnchor","pageAnchor":{"_ref":"5527799a-6336-4789-87ba-9c1a41547057","_type":"reference"}},{"_key":"e1880a04ce67","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cbcf283a4cb8","_type":"dropdownWidget","items":[{"_key":"0379e3b9ffd2","_type":"dropdownObject","text":[{"_key":"2291889539ae","_type":"block","children":[{"_key":"1540d6ea60190","_type":"span","marks":[],"text":"Capital gains"}],"markDefs":[],"style":"h4"},{"_key":"417d58fff95b","_type":"block","children":[{"_key":"01333c1618c6","_type":"span","marks":[],"text":"A capital gain is the profit - the \"gain\" or sometimes called the \"return\" - you make if you sell an investment at a higher price than what you bought it for."}],"markDefs":[],"style":"normal"},{"_key":"14c849774176","_type":"block","children":[{"_key":"e41742f57156","_type":"span","marks":[],"text":"Capital Gains Tax (CGT)"}],"markDefs":[],"style":"h4"},{"_key":"523b87035a57","_type":"block","children":[{"_key":"b2a176e90d5e","_type":"span","marks":[],"text":"Capital Gains Tax or CGT is a tax charged on the gains you make from selling an investment. It only applies if your gains exceed the annual allowance and is calculated at different rates depending on your usual tax bracket. It does not apply if you invest through a tax-free ISA. See our full guide "},{"_key":"23f5530af69b","_type":"span","marks":["5333e4dc7c81"],"text":"here"},{"_key":"b177ec33e172","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"5333e4dc7c81","_type":"internalLinkPick","reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}}],"style":"normal"},{"_key":"e131cf527dc2","_type":"block","children":[{"_key":"568c655acceb","_type":"span","marks":[],"text":"Commodity"}],"markDefs":[],"style":"h4"},{"_key":"ffc841627173","_type":"block","children":[{"_key":"0e9764833cd0","_type":"span","marks":[],"text":"A commodity is a physical asset - usually a raw material or resource - such as wheat, gold or oil. \"Hard\" commodities refer to assets which must be mined or extracted, like gold or oil. \"Soft\" commodities are farmed or grown, such as wheat or coffee."}],"markDefs":[],"style":"normal"},{"_key":"925f76196a02","_type":"block","children":[{"_key":"df1b286ea923","_type":"span","marks":[],"text":"Compound interest"}],"markDefs":[],"style":"h4"},{"_key":"172a4d9f7b98","_type":"block","children":[{"_key":"044f75d18415","_type":"span","marks":[],"text":"Compound interest is the interest earned on savings or investments, including any earned previously. It grows exponentially and is a key advantage to starting out investing sooner rather than later - to give your investments more time, and thus more opportunity, to grow."}],"markDefs":[],"style":"normal"},{"_key":"e798e224c73a","_type":"block","children":[{"_key":"fad7af764672","_type":"span","marks":[],"text":"Consumer Price Index (CPI)"}],"markDefs":[],"style":"h4"},{"_key":"9818f8d23135","_type":"block","children":[{"_key":"f9a479008f5c","_type":"span","marks":[],"text":"The Consumer Price Index or CPI is a widely-used measure of inflation. It is used to represent the average change in prices across a range of goods and services that are typically purchased by UK households - for example, food and clothing. Core CPI excludes energy, food, alcohol and tobacco."}],"markDefs":[],"style":"normal"},{"_key":"39094b1cec8d","_type":"block","children":[{"_key":"5f7724e63ffa","_type":"span","marks":[],"text":"Copy trader"}],"markDefs":[],"style":"h4"},{"_key":"fc45fb444e81","_type":"block","children":[{"_key":"dbad6fb88be4","_type":"span","marks":[],"text":"A copy trader is someone who replicates the trades of someone else - usually, but not necessarily, an investing professional. The idea is to find an individual with a good track record and then copy their trades without having to assess or analyse anything yourself."}],"markDefs":[],"style":"normal"},{"_key":"32d73502e011","_type":"block","children":[{"_key":"6bb0057d23bf","_type":"span","marks":[],"text":"Corporate bond"}],"markDefs":[],"style":"h4"},{"_key":"671cdb804b1c","_type":"block","children":[{"_key":"bbd639400aed","_type":"span","marks":[],"text":"A corporate bond is a type of bond issued by a company. "}],"markDefs":[],"style":"normal"},{"_key":"c96a547a2bd7","_type":"block","children":[{"_key":"26b5e8c4cf51","_type":"span","marks":[],"text":"Credit rating"}],"markDefs":[],"style":"h4"},{"_key":"39869e40a5e5","_type":"block","children":[{"_key":"cb47f569539f","_type":"span","marks":[],"text":"A credit rating is a letter grade given to the issuer of a bond to indicate its \"quality\" - that is, the likelihood that the issuer will be able to keep up with their repayments and not default. The biggest bond credit rating agencies in the world are Standard & Poors, Moody's and Fitch. Credit ratings are regularly reviewed and can change at any time."}],"markDefs":[],"style":"normal"},{"_key":"da6c3c36816d","_type":"block","children":[{"_key":"e95462dc2e6a","_type":"span","marks":[],"text":"Credit reference agencies"}],"markDefs":[],"style":"h4"},{"_key":"efab9ccb32df","_type":"block","children":[{"_key":"2d8210715c17","_type":"span","marks":[],"text":"Credit reference agencies are companies which monitor and investigate an individual's personal and financial records to make a judgement on whether or not lenders should lend them money. This judgement is called a credit score. Banks and loan companies use credit reference agencies to determine if someone is essentially trustworthy or not, based on factors such as their financial stability and their history of using credit responsibly. The biggest credit reference agencies in the UK are Equifax, Experian and Transunion. You can read more about credit reference agencies and scores in our guide "},{"_key":"dca782b99c6a","_type":"span","marks":["1ecaca13bbc1"],"text":"here"},{"_key":"77150c16aa41","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"1ecaca13bbc1","_type":"internalLinkPick","reference":{"_ref":"c35a2e48-fee0-4432-9a04-c3843110c519","_type":"reference"}}],"style":"normal"},{"_key":"9e9511602cd3","_type":"block","children":[{"_key":"fdc6fb0ad574","_type":"span","marks":[],"text":"Credit score"}],"markDefs":[],"style":"h4"},{"_key":"dcbf5a620aa6","_type":"block","children":[{"_key":"fbac345cf8e0","_type":"span","marks":[],"text":"A credit score is number which represents an individual's perceived creditworthiness - that is, how trustworthy and sensible you can be when you're given credit from a lender. Having and maintaining a good credit score can mean you get access to lower interest rates when you borrow or on your mortgage. A poor credit score can mean you are refused credit, such as a loan, which in turn can drag your score down even further. You can read more about credit scores in our full guide "},{"_key":"5b94a6a2fc04","_type":"span","marks":["b92a08e0e54d"],"text":"here"},{"_key":"380456b52813","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b92a08e0e54d","_type":"internalLinkPick","reference":{"_ref":"c35a2e48-fee0-4432-9a04-c3843110c519","_type":"reference"}}],"style":"normal"},{"_key":"eab5c250ee9a","_type":"block","children":[{"_key":"feecf9f1c857","_type":"span","marks":[],"text":"Cryptocurrency"}],"markDefs":[],"style":"h4"},{"_key":"9cc75c1e390c","_type":"block","children":[{"_key":"5f051b150e01","_type":"span","marks":[],"text":"Cryptocurrency or just \"crypto\" is a type of digital or virtual currency that uses cryptography for secure and decentralised (not managed by a central bank or government) transactions. Cryptocurrencies use a technology called blockchain to record and verify transactions. They can be used to buy goods and services online, and their value can fluctuate, similar to traditional currencies. Examples of cryptocurrencies include Bitcoin and Ethereum. As they're not controlled by central banks, cryptocurrencies tend to be highly volatile so prices can fluctuate frequently and significantly."}],"markDefs":[],"style":"normal"},{"_key":"4fd6edeaec1a","_type":"block","children":[{"_key":"1518ea976f720","_type":"span","marks":[],"text":"\n"}],"markDefs":[],"style":"normal"}],"title":"C"}]},{"_key":"4b6b7fd8b07b","_type":"block","children":[{"_key":"ada48575a2af","_type":"span","marks":[],"text":""},{"_key":"6530e9c4006c","_type":"mainAnchor","pageAnchor":{"_ref":"910b05df-3708-42e8-97a7-169bace209dc","_type":"reference"}},{"_key":"7b93e7b2e8c0","_type":"span","marks":[],"text":""},{"_key":"0bf5c2186bdc","_type":"mainAnchor","pageAnchor":{"_ref":"ad8b1420-9d8d-410a-b18d-2daa20381fcc","_type":"reference"}},{"_key":"e8b1e9b70cc5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dab1c4611b0a","_type":"dropdownWidget","items":[{"_key":"56026e1440db","_type":"dropdownObject","text":[{"_key":"b1a5d07b5519","_type":"block","children":[{"_key":"80c833b2a5e6","_type":"span","marks":[],"text":"Day trading"}],"markDefs":[],"style":"h4"},{"_key":"d456dd423bbd","_type":"block","children":[{"_key":"087683ad21d9","_type":"span","marks":[],"text":"Day trading is the practice of rapidly buying and selling shares throughout the day in the hope of making a profit as a result of small price fluctuations. This is a technique used by experienced investors and involves holding investments for as little as seconds before selling them on again."}],"markDefs":[],"style":"normal"},{"_key":"ad51307e03f7","_type":"block","children":[{"_key":"66009eb60584","_type":"span","marks":[],"text":"Deflation"}],"markDefs":[],"style":"h4"},{"_key":"eaf1f5e0a1aa","_type":"block","children":[{"_key":"33a0aa1e3191","_type":"span","marks":[],"text":"Deflation is the opposite of inflation. It occurs when the average price of goods and services decreases - or, simply put, when inflation falls below 0%."}],"markDefs":[],"style":"normal"},{"_key":"b113932d8759","_type":"block","children":[{"_key":"ad06d7ffd382","_type":"span","marks":[],"text":"Derivatives"}],"markDefs":[],"style":"h4"},{"_key":"52162e92758f","_type":"block","children":[{"_key":"7319e1b21a9b0","_type":"span","marks":[],"text":"A derivative is a financial contract that derives its value from the performance of an underlying asset, such as shares, bonds, commodities, or indices. It doesn't have intrinsic value on its own but rather \"derives\" its value from the price movements of the underlying asset. Derivatives can be used for various purposes, such as hedging against risks or speculating on price movements."}],"markDefs":[],"style":"normal"},{"_key":"a394c84d991b","_type":"block","children":[{"_key":"b6049561925e","_type":"span","marks":[],"text":"Distributing (Dist)"}],"markDefs":[],"style":"h4"},{"_key":"d92275473edc","_type":"block","children":[{"_key":"b91003a2ff33","_type":"span","marks":[],"text":"This is a descriptor used when a fund pays out a dividend to its investors. It is the opposite of an Accumulation or 'Acc' fund (see definition under 'A')."}],"markDefs":[],"style":"normal"},{"_key":"539ee7d465b2","_type":"block","children":[{"_key":"65bd7ce14307","_type":"span","marks":[],"text":"Diversification"}],"markDefs":[],"style":"h4"},{"_key":"329208177bd2","_type":"block","children":[{"_key":"3b6a386c064f","_type":"span","marks":[],"text":"Diversification is the process of spreading your investment portfolio across different asset classes, such as partially in shares and partially in bonds, in order to reduce risk. In other words, you're not putting all your eggs in one basket."}],"markDefs":[],"style":"normal"},{"_key":"c96483c20943","_type":"block","children":[{"_key":"6a15f3d9e40c","_type":"span","marks":[],"text":"Dividends"}],"markDefs":[],"style":"h4"},{"_key":"81ec74a9bae8","_type":"block","children":[{"_key":"0ef8678d6d8c","_type":"span","marks":[],"text":"A dividend is like a cash bonus you get in return for investing in something. Dividends can be paid out on a monthly, biannual or annual basis and are attractive to investors who want a regular source of income from their portfolio."}],"markDefs":[],"style":"normal"},{"_key":"4c75ea0167f5","_type":"block","children":[{"_key":"a588336ef627","_type":"span","marks":[],"text":"Dividend Tax"}],"markDefs":[],"style":"h4"},{"_key":"fb9b962ffb9c","_type":"block","children":[{"_key":"505efaba78bd","_type":"span","marks":[],"text":"Dividend Tax is a type of tax you pay on any dividends you receive which exceed a certain threshold (£1,000 for the 2023-24 tax year). The rate of Dividend Tax payable depends on your usual tax bracket. The good news is that you don't need to worry about paying it if you invest through an ISA - because it's completely shielded from tax. Read more on Dividend Tax "},{"_key":"a29ca2f7f744","_type":"span","marks":["1e3e7b70b4a2"],"text":"here"},{"_key":"ffae21d9273f","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"1e3e7b70b4a2","_type":"internalLinkPick","reference":{"_ref":"57154d8d-128e-4541-9b01-04fa337e30da","_type":"reference"}}],"style":"normal"},{"_key":"9233f5698c24","_type":"block","children":[{"_key":"bd6807f9443a","_type":"span","marks":[],"text":"Dividend yield"}],"markDefs":[],"style":"h4"},{"_key":"5c22f9656b4a","_type":"block","children":[{"_key":"a40094e339e7","_type":"span","marks":[],"text":"Dividend yields are used to compare the relative value of dividends across different investments. It's calculated by dividing the annual dividend per share by the current share price. For example, if the share price of a company was £100 and the annual dividend was £3, that would mean the dividend yield was 3%. However, let's say there was another company which had a share price of £300 but its dividends were also £3 - in this case, the dividend yield would be just 1%."}],"markDefs":[],"style":"normal"},{"_key":"e422ccc71322","_type":"block","children":[{"_key":"6dd3c3622cb6","_type":"span","marks":[],"text":"Drawdown"}],"markDefs":[],"style":"h4"},{"_key":"815a577048c1","_type":"block","children":[{"_key":"0e5db08726bf","_type":"span","marks":[],"text":"Drawdown is a method of accessing your pension which involves taking out money when you want to, as opposed to in regular intervals like with an annuity. Flexi-access drawdown is a type of drawdown that gives you the flexibility to withdraw as and when you choose while leaving the rest of your pension invested. Capped drawdown is less common but involves having a maximum amount you can withdraw from your pot each year."}],"markDefs":[],"style":"normal"},{"_key":"1a86b1810957","_type":"block","children":[{"_key":"90b1dd69c087","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"D"}]},{"_key":"8bffcbc2afc5","_type":"block","children":[{"_key":"ca78c9cc03f5","_type":"span","marks":[],"text":""},{"_key":"72158018629f","_type":"mainAnchor","pageAnchor":{"_ref":"8b17cc79-4360-4530-9922-0aad8843a36b","_type":"reference"}},{"_key":"243c743ccb0c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"abd9c07924b7","_type":"dropdownWidget","items":[{"_key":"ebb83dae0d6d","_type":"dropdownObject","text":[{"_key":"b8d8ae1df1a4","_type":"block","children":[{"_key":"b7f8f0496ec7","_type":"span","marks":[],"text":"Emerging market"}],"markDefs":[],"style":"h4"},{"_key":"988036eac608","_type":"block","children":[{"_key":"e6ce0d5aff4c","_type":"span","marks":[],"text":"An emerging market is a country with an economy considered to be at an earlier stage of development than a more established country - e.g. India compared to the USA. Emerging market investments are usually considered to carry more risk, often because there is less information about them or less strong regulation in the economy they're based in."}],"markDefs":[],"style":"normal"},{"_key":"0bf72b93a6b3","_type":"block","children":[{"_key":"f281244e9629","_type":"span","marks":[],"text":"Equities"}],"markDefs":[],"style":"h4"},{"_key":"f82c7aff08b0","_type":"block","children":[{"_key":"92f7cd20a2bb","_type":"span","marks":[],"text":"Equities are another word for shares or stocks. They are small slices of a company which you can own and buy or sell on the stock market."}],"markDefs":[],"style":"normal"},{"_key":"141ae14822b1","_type":"block","children":[{"_key":"296f517ba03e","_type":"span","marks":[],"text":"ESG"}],"markDefs":[],"style":"h4"},{"_key":"f5d2b8a0a21b","_type":"block","children":[{"_key":"f5fee22e6598","_type":"span","marks":[],"text":"An acronym for Environmental, Social and Governance, ESG is a broad set of metrics often used to measure the perceived sustainability of an investment. ESG is increasingly popular as a method of assessing the environmental and social impact of investments, particularly for investors looking for \"green\" or \"impact\" investments - essentially, investments that claim to do some good for the world."}],"markDefs":[],"style":"normal"},{"_key":"b4065cf8967d","_type":"block","children":[{"_key":"ab1394a07929","_type":"span","marks":[],"text":"Exchange-Traded Fund (ETF)"}],"markDefs":[],"style":"h4"},{"_key":"c181cc772c9c","_type":"block","children":[{"_key":"ca38451ec42a","_type":"span","marks":[],"text":"An Exchange Traded Fund or ETF is a type of fund made up of a number of assets which can be bought and sold on the stock market, in the same way as you would with individual shares. ETFs can invest in lots of different asset classes. Think of them like an investment \"playlist\" - an easy way to access a collection of things. Read our full guide "},{"_key":"23158402d5f1","_type":"span","marks":["56ae5a394317"],"text":"here"},{"_key":"c394c37cb220","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"56ae5a394317","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}}],"style":"normal"},{"_key":"c78dc6d2781c","_type":"block","children":[{"_key":"74dc5e3de049","_type":"span","marks":[],"text":"Exchange-Traded Commodity (ETC)"}],"markDefs":[],"style":"h4"},{"_key":"7aebfd8a61b3","_type":"block","children":[{"_key":"26e6ff37c6ef","_type":"span","marks":[],"text":"Exchange-Traded Commodities or ETCs are traded on the stock market, like individual shares, but track the price of a commodity or commodity index. They allow investors to gain exposure to commodities without buying the commodity itself (e.g. bars of real gold). ETCs have a share price which moves up and down as the price of the underlying commodity fluctuates in value. ETC can also sometimes refer to a commodity-focused ETF."}],"markDefs":[],"style":"normal"},{"_key":"9328c8205f0d","_type":"block","children":[{"_key":"1aac8935be460","_type":"span","marks":[],"text":"Exchange rate"}],"markDefs":[],"style":"h4"},{"_key":"d1c75783bf6e","_type":"block","children":[{"_key":"d561f1a357bb","_type":"span","marks":[],"text":"The exchange rate is the value of one country’s currency compared to that of another country. For example, if the exchange rate for US dollars to Euros was 1.5, you would receive 1.5 US dollars for every 1 Euro. "}],"markDefs":[],"style":"normal"},{"_key":"1f9566e93f88","_type":"block","children":[{"_key":"fbc41b219e1c","_type":"span","marks":[],"text":"Exposure"}],"markDefs":[],"style":"h4"},{"_key":"89bdc66ae746","_type":"block","children":[{"_key":"c82ac913472f","_type":"span","marks":[],"text":"Exposure is the proportion of an fund or portfolio invested in a sector, asset class or region, usually expressed as a percentage of the overall portfolio. For example, a fund with 75% exposure to China would have 75% of its assets invested in products related to or in China."}],"markDefs":[],"style":"normal"}],"title":"E"}]},{"_key":"ed105803ac21","_type":"block","children":[{"_key":"50ef4379faf6","_type":"span","marks":[],"text":""},{"_key":"1a9a9d6c5bbe","_type":"mainAnchor","pageAnchor":{"_ref":"cab87a53-d248-4bca-9027-95cde5f09dee","_type":"reference"}},{"_key":"7e9d5954b399","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7d4031f100e7","_type":"dropdownWidget","items":[{"_key":"20f49d4cdd10","_type":"dropdownObject","text":[{"_key":"5664818f4188","_type":"block","children":[{"_key":"0df3cd7dfc07","_type":"span","marks":[],"text":"Fiscal year"}],"markDefs":[],"style":"h4"},{"_key":"9eae0a83b473","_type":"block","children":[{"_key":"f0351ceb38b0","_type":"span","marks":[],"text":"A fiscal, financial or tax year is a 12-month period identified for accounting, auditing and budgeting purposes which differs from the normal 1 January - 31 December calendar year. For example, the UK government's fiscal year is from 6 April - 5 April. "}],"markDefs":[],"style":"normal"},{"_key":"c251759cf163","_type":"block","children":[{"_key":"b592f9d4e61e","_type":"span","marks":[],"text":"Fixed income"}],"markDefs":[],"style":"h4"},{"_key":"4603ba5063b2","_type":"block","children":[{"_key":"c88a1d384089","_type":"span","marks":[],"text":"Fixed income is the name given to an asset class which pays investors a regular source of income - for example, from bonds. Fixed income investments do not fluctuate, like dividends can, nor do they move in line with inflation."}],"markDefs":[],"style":"normal"},{"_key":"b6c17a01b889","_type":"block","children":[{"_key":"30ce13d2bc02","_type":"span","marks":[],"text":"Fractional shares"}],"markDefs":[],"style":"h4"},{"_key":"c206a008777a","_type":"block","children":[{"_key":"66d9c403be94","_type":"span","marks":[],"text":"A fractional share is a part of a whole share - for example, 0.25% of a share. Investors can opt to buy fractional shares if they want to invest a small amount in a share which is typically very expensive, such as with large companies like Amazon, Disney or Tesla. Fractional shares are helpful for investors who have a small portfolio or who are interested in buying a bit of a share but don’t want to commit to a whole one. "}],"markDefs":[],"style":"normal"},{"_key":"3c1b6f6a265d","_type":"block","children":[{"_key":"e2a5dbfa0079","_type":"span","marks":[],"text":"FTSE 100"}],"markDefs":[],"style":"h4"},{"_key":"83a1e4f7280a","_type":"block","children":[{"_key":"928b7f581ee4","_type":"span","marks":[],"text":"The FTSE 100, also called “Footsie”, is the name for the share index made up of the largest 100 companies by market capitalisation (total value of all shares) listed on the London Stock Exchange. It's commonly referred to when discussing the health and performance of the UK stock market."}],"markDefs":[],"style":"normal"},{"_key":"aebd66e5eab7","_type":"block","children":[{"_key":"6e11e5e98417","_type":"span","marks":[],"text":"FTSE 250"}],"markDefs":[],"style":"h4"},{"_key":"4ebc58be4858","_type":"block","children":[{"_key":"abfcaa7a8e4f","_type":"span","marks":[],"text":"The FTSE 250 is similar to the FTSE 100 and includes the largest companies on the London Stock Exchange by market capitalisation excluding the initial 100 largest from the FTSE 100. In other words, it's the 101st to the 350th largest companies on the London Stock Exchange. It is sometimes referred to when discussing the health and performance of the UK stock market."}],"markDefs":[],"style":"normal"},{"_key":"a61fd75f86d2","_type":"block","children":[{"_key":"1deb3cead9d3","_type":"span","marks":[],"text":"Fund"}],"markDefs":[],"style":"h4"},{"_key":"ed96baee948b","_type":"block","children":[{"_key":"d256c967f761","_type":"span","marks":[],"text":"A fund is a basket of investments managed for you by an expert. They typically have around 30-60 \"underlying\" investments in them and are a popular way of diversifying a portfolio and reducing risk. Read more about them in our full funds guide "},{"_key":"185086759adc","_type":"span","marks":["2d81e5eb8cb6"],"text":"here"},{"_key":"db38040a3500","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"2d81e5eb8cb6","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"57ec357674d5","_type":"block","children":[{"_key":"8b8400587495","_type":"span","marks":[],"text":"Fund manager"}],"markDefs":[],"style":"h4"},{"_key":"86e7deecf23f","_type":"block","children":[{"_key":"5b30f54e2f13","_type":"span","marks":[],"text":"A fund manager is an investment expert who is responsible for selecting and managing investments in a fund - or other investment products like investment trusts. They use their expertise to choose what to invest in and how to allocate it within the fund, as well as continually monitoring its performance to ensure it's generating growth for people investing in the fund."}],"markDefs":[],"style":"normal"}],"title":"F"}]},{"_key":"a38be3906eba","_type":"block","children":[{"_key":"df73d5b250eb","_type":"span","marks":[],"text":""},{"_key":"d0d71013b017","_type":"mainAnchor","pageAnchor":{"_ref":"4dd5ed17-59a0-4efb-8aec-67bb1d468820","_type":"reference"}},{"_key":"dba74f74a053","_type":"span","marks":[],"text":""},{"_key":"f77eb085a57c","_type":"mainAnchor","pageAnchor":{"_ref":"6f3e6a5c-8e66-4e76-9f23-89790f2ec8fd","_type":"reference"}},{"_key":"cbccf6bff950","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"fed58419d382","_type":"dropdownWidget","items":[{"_key":"067bd570d104","_type":"dropdownObject","text":[{"_key":"6cd8b64d9dd0","_type":"block","children":[{"_key":"7b0f7efc9ec8","_type":"span","marks":[],"text":"Gearing"}],"markDefs":[],"style":"h4"},{"_key":"0aad4cd1ead8","_type":"block","children":[{"_key":"e9ca1b55a71c","_type":"span","marks":[],"text":"Gearing is the act of borrowing money to fund a company's operations. It is sometimes used by investment trusts and can be expressed as a ratio, where the cost of the borrowed amount is compared to the overall value of the company - this is called the gearing ratio. Gearing is sometimes also called 'leveraging'."}],"markDefs":[],"style":"normal"},{"_key":"fec26648522d","_type":"block","children":[{"_key":"e07c16215398","_type":"span","marks":[],"text":"Gilt (government bond)"}],"markDefs":[],"style":"h4"},{"_key":"1085e39664c6","_type":"block","children":[{"_key":"17826c245155","_type":"span","marks":[],"text":"A gilt is a fixed income bond issued by the UK government. They are so named because, historically, the paper certificates used to issue these bonds had a gilt - gilded - edge. The government issues gilts in order to fund public spending."}],"markDefs":[],"style":"normal"},{"_key":"46bebfa029e5","_type":"block","children":[{"_key":"7ff4a2ce0db4","_type":"span","marks":[],"text":"Greenwashing"}],"markDefs":[],"style":"h4"},{"_key":"4e2e0b5f3ecb","_type":"block","children":[{"_key":"8efee328814d","_type":"span","marks":[],"text":"Greenwashing is the term used to describe when a company makes false claims or misleads investors about its sustainability credentials. This applies even if it has done so unknowingly. It's a common cause for concern among investors who want to invest in ESG-compliant investments."}],"markDefs":[],"style":"normal"},{"_key":"4225c50960dd","_type":"block","children":[{"_key":"e380cad18998","_type":"span","marks":[],"text":"Growth investing"}],"markDefs":[],"style":"h4"},{"_key":"bca8ea33f463","_type":"block","children":[{"_key":"bf04da473a05","_type":"span","marks":[],"text":"Growth investing refers to the strategy of investing in assets which have the potential to generate above-average gains. This can, for example, include a fund which reinvests a large proportion of its profits in order to drive future growth. It's the opposite to income investing, which uses surplus cash to pay out dividends."}],"markDefs":[],"style":"normal"},{"_key":"ab4cd12170b2","_type":"block","children":[{"_key":"99d86f941161","_type":"span","marks":[],"text":"Growth stock"}],"markDefs":[],"style":"h4"},{"_key":"c714fdf9f17e","_type":"block","children":[{"_key":"d5446942c070","_type":"span","marks":[],"text":"A growth stock refers to a company which is experiencing rapid uptick in earnings and opts to reinvest this extra cash to fund its operations - rather than paying out dividends as an income stock would."}],"markDefs":[],"style":"normal"}],"title":"G"}]},{"_key":"efe4b5c66777","_type":"block","children":[{"_key":"08dc4bfb0f7e","_type":"span","marks":[],"text":""},{"_key":"e52ff3511982","_type":"mainAnchor","pageAnchor":{"_ref":"df2f7fcf-4fe3-4664-9977-c954f802f13d","_type":"reference"}},{"_key":"5c9ed34b0f18","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"66908fc6374d","_type":"dropdownWidget","items":[{"_key":"79d562cabe76","_type":"dropdownObject","text":[{"_key":"975541be040b","_type":"block","children":[{"_key":"c9ef85d94cd8","_type":"span","marks":[],"text":"Hedging"}],"markDefs":[],"style":"h4"},{"_key":"470d8f128595","_type":"block","children":[{"_key":"9b0c2ceceab5","_type":"span","marks":[],"text":"Hedging is an investment strategy which aims to protect against risk or financial loss from adverse price movements. It's essentially a form of offsetting that enables you to make a profit if an investment performs badly. A fund manager may hedge against risk, for example, by using a derivative contract to agree to a sale if the share price of an investment within the fund falls to a certain level - therefore meaning it can make a profit and reduce the risk of making a loss even if the share performs badly."}],"markDefs":[],"style":"normal"},{"_key":"27a4353dd749","_type":"block","children":[{"_key":"287094c04726","_type":"span","marks":[],"text":"High yield bond"}],"markDefs":[],"style":"h4"},{"_key":"f74cf0b8ecec","_type":"block","children":[{"_key":"2cfecd2a4ae6","_type":"span","marks":[],"text":"A high yield bond is a bond which is determined to have a higher risk of default compared to other bonds. They have a higher yield because investors often get higher coupon payments to compensate for taking on the additional risk."}],"markDefs":[],"style":"normal"}],"title":"H"}]},{"_key":"a2c14b4d1f30","_type":"block","children":[{"_key":"3144b903f287","_type":"span","marks":[],"text":""},{"_key":"860bf5506d22","_type":"mainAnchor","pageAnchor":{"_ref":"f97dc4ff-9cfa-4091-b02e-c065be46f1b5","_type":"reference"}},{"_key":"9bc735e6eb57","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"248bd759e557","_type":"dropdownWidget","items":[{"_key":"e5eaf1887dff","_type":"dropdownObject","text":[{"_key":"2d333eddd833","_type":"block","children":[{"_key":"b1749eb0761f","_type":"span","marks":[],"text":"Income Tax (IT)"}],"markDefs":[],"style":"h4"},{"_key":"77ee275092a4","_type":"block","children":[{"_key":"2f479a2f031c","_type":"span","marks":[],"text":"Income Tax is a type of tax charged by the UK government if your earnings exceed a certain threshold, called the Personal Savings Allowance. For the 2023-24 tax year, this is £12,570. Any amount over this is charged at different rates depending on your annual income. Read more in our full guide "},{"_key":"4d881cce70a2","_type":"span","marks":["068e2dda84aa"],"text":"here"},{"_key":"7812776a362f","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"068e2dda84aa","_type":"internalLinkPick","reference":{"_ref":"cfbae5f9-09e2-4ebd-b540-7b2843cb6161","_type":"reference"}}],"style":"normal"},{"_key":"d3c7bdd014f8","_type":"block","children":[{"_key":"eed5052c132c","_type":"span","marks":[],"text":"Index"}],"markDefs":[],"style":"h4"},{"_key":"4db8ce18ac77","_type":"block","children":[{"_key":"2c6d681ade62","_type":"span","marks":[],"text":"An index is a basket of assets or securities designed to represent a particular stock market or part of a stock market. For example, the FTSE 100 is an index which is representative of the 100 largest companies listed on the London Stock Exchange by market capitalisation. Indices track the performance of the market they represent and so are often used as a benchmark for investors or fund managers to understand how well a particular investment is performing compared to similar investments or the market as a whole."}],"markDefs":[],"style":"normal"},{"_key":"8885aabb4a2b","_type":"block","children":[{"_key":"e25cd2fc2769","_type":"span","marks":[],"text":"Inflation"}],"markDefs":[],"style":"h4"},{"_key":"c08357cb77c4","_type":"block","children":[{"_key":"ea5ede0bf96b","_type":"span","marks":[],"text":"Inflation is the term used to describe how quickly the prices of goods and services is rising over a period of time. In periods of high inflation, prices are increasingly rapidly, whereas low inflation means prices are increasing by only a small amount. It's the opposite of deflation. The Bank of England aims to keep inflation at 2% for a healthy economy, so it sets its base rate and other monetary policy decisions based on how far above or below this target inflation currently is."}],"markDefs":[],"style":"normal"},{"_key":"d381c45c6d9b","_type":"block","children":[{"_key":"f39fee032df9","_type":"span","marks":[],"text":"Interest rate"}],"markDefs":[],"style":"h4"},{"_key":"1ac9f2971c96","_type":"block","children":[{"_key":"3509e08aabfa","_type":"span","marks":[],"text":"An interest rate is the amount that a lender charges someone for taking out a loan or a mortgage. It's calculated as a percentage of the amount borrowed - for example, 3%. The Bank of England's base rate, for instance, is an example of an interest rate. The coupon on a bond is also a type of interest rate."}],"markDefs":[],"style":"normal"},{"_key":"3ba353732f43","_type":"block","children":[{"_key":"3c17990e112c","_type":"span","marks":[],"text":"Investment trust"}],"markDefs":[],"style":"h4"},{"_key":"b3dc1b4845e0","_type":"block","children":[{"_key":"5a24a2cfbba3","_type":"span","marks":[],"text":"An investment trust is a public limited company (PLC) traded on the London Stock Exchange, which invests in other companies to generate profit for its shareholders. All investor's money is bundled together and a fund manager invests it on their behalf. Investment trusts typically pay out dividends and so are a popular choice for income investors. Read our full guide "},{"_key":"cc2f090e09ea","_type":"span","marks":["383bf7817ba9"],"text":"here"},{"_key":"5d5d755a170e","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"383bf7817ba9","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}}],"style":"normal"},{"_key":"4fa89845e8d0","_type":"block","children":[{"_key":"61d4cfb50a88","_type":"span","marks":[],"text":"Initial Public Offering (IPO)"}],"markDefs":[],"style":"h4"},{"_key":"a1818c39ce07","_type":"block","children":[{"_key":"424dc562f873","_type":"span","marks":[],"text":"An Initial Public Offering or IPO refers to when shares in a private company are listed on a stock exchange and made available for investors to purchase for the first time."}],"markDefs":[],"style":"normal"},{"_key":"263f1124a9e6","_type":"block","children":[{"_key":"573f265dd153","_type":"span","marks":[],"text":"Individual Savings Account (ISA)"}],"markDefs":[],"style":"h4"},{"_key":"a3ee673f1775","_type":"block","children":[{"_key":"f4c71ff62c91","_type":"span","marks":[],"text":"ISA stands for Individual Savings Account. They're a type of tax-free savings or investment account which allow you to put away up to £20,000 every tax year without paying taxes such as CGT. There are four main types - Cash ISAs, Stocks & Shares ISAs, Junior ISAs and Lifetime ISAs. All except Cash ISAs - which are similar to regular cash savings accounts - can be used to invest tax-free in things like shares, funds, ETFs, investment trusts and more. Read more about ISAs in our Hub "},{"_key":"50f239086d72","_type":"span","marks":["cf52470d43da"],"text":"here"},{"_key":"5ec68cfd8c33","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"cf52470d43da","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"}],"title":"I"}]},{"_key":"38cf60c39e5c","_type":"block","children":[{"_key":"36a4905c90b8","_type":"span","marks":[],"text":""},{"_key":"afd6088c37c8","_type":"mainAnchor","pageAnchor":{"_ref":"3ffb6f95-f4a1-4ab1-b55f-4975ad5dfa04","_type":"reference"}},{"_key":"766f6ab54c20","_type":"span","marks":[],"text":""},{"_key":"455a6fe14ad1","_type":"mainAnchor","pageAnchor":{"_ref":"a80555e9-52ee-4d97-8467-763d0fdb68cc","_type":"reference"}},{"_key":"d9ce0677a222","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"33745d26d38f","_type":"dropdownWidget","items":[{"_key":"e5eaf1887dff","_type":"dropdownObject","text":[{"_key":"a1818c39ce07","_type":"block","children":[{"_key":"424dc562f873","_type":"span","marks":[],"text":"Junk bond"}],"markDefs":[],"style":"h4"},{"_key":"3179da5685aa","_type":"block","children":[{"_key":"f482fd552172","_type":"span","marks":[],"text":"A junk bond is a bond which has been rated as high risk by a credit rating agency and is considered likely to default. Investors will typically be compensated for this risk with an exceptionally high interest rate (coupon)."}],"markDefs":[],"style":"normal"}],"title":"J"}]},{"_key":"845b4495fe5e","_type":"block","children":[{"_key":"e918eaa99fcf","_type":"span","marks":[],"text":""},{"_key":"88dad60a0e44","_type":"mainAnchor","pageAnchor":{"_ref":"7dd8d550-67ca-479f-a2f4-5eb12116edf4","_type":"reference"}},{"_key":"fc95971974fe","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"92c4ee07471c","_type":"dropdownWidget","items":[{"_key":"e5eaf1887dff","_type":"dropdownObject","text":[{"_key":"ef73594d62a3","_type":"block","children":[{"_key":"0f2e053674420","_type":"span","marks":[],"text":"Key Investor Information Document (KIID)"}],"markDefs":[],"style":"h4"},{"_key":"58222af8df35","_type":"block","children":[{"_key":"c0f1ff81c951","_type":"span","marks":[],"text":"A Key Investor Information Document or KIID is a document that provides information about an investment for prospective or current investors. It typically includes a breakdown of the assets it invests in, their allocation, fees, the name of the fund manager(s) and the investment objective. It's viewable at any stage but is an important read "},{"_key":"6ecacd3be809","_type":"span","marks":["em"],"text":"before "},{"_key":"9bbfd65e563d","_type":"span","marks":[],"text":"you invest in something so that you know what you are putting your money into. It's usually easily accessible by searching for the name of your chosen investment on the website or app of the company you are investing with."}],"markDefs":[],"style":"normal"}],"title":"K"}]},{"_key":"657dcb2c3f2a","_type":"block","children":[{"_key":"f08a5f0420b7","_type":"span","marks":[],"text":""},{"_key":"d73d6b4284be","_type":"mainAnchor","pageAnchor":{"_ref":"9221bc6d-b95e-4326-a33d-b0ca5a593eba","_type":"reference"}},{"_key":"131963511914","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"bda1f73df5d7","_type":"dropdownWidget","items":[{"_key":"e5eaf1887dff","_type":"dropdownObject","text":[{"_key":"4e3a21c96b6d","_type":"block","children":[{"_key":"1be44d434b68","_type":"span","marks":[],"text":"Leverage"}],"markDefs":[],"style":"h4"},{"_key":"519b21b7e837","_type":"block","children":[{"_key":"4746bec3ef83","_type":"span","marks":[],"text":"Leveraging is an alternative word for 'gearing'."}],"markDefs":[],"style":"normal"},{"_key":"3983861b1d07","_type":"block","children":[{"_key":"e5652c29bbe6","_type":"span","marks":[],"text":"Limit order"}],"markDefs":[],"style":"h4"},{"_key":"8701e19ad267","_type":"block","children":[{"_key":"b98958c9ca26","_type":"span","marks":[],"text":"A limit order is an order to buy or sell a share automatically once it reaches a specified price or better. It's something fund managers can employ to help generate profit or individual investors can do so on some platforms which enable it (not all do)."}],"markDefs":[],"style":"normal"},{"_key":"18fc728d9677","_type":"block","children":[{"_key":"478427b97663","_type":"span","marks":[],"text":"Liquidity"}],"markDefs":[],"style":"h4"},{"_key":"1ea2486d8b14","_type":"block","children":[{"_key":"9a1d1356fb22","_type":"span","marks":[],"text":"Liquidity refers to how quick and easy it is to convert an investment into cash without losing significant value in the process. In other words, it's about how easy it is to sell and how long it takes to get your money in return. Liquidity can also be used to measure the health of a company's finances - the more liquid its assets or investments are, the more flexible it can afford to be and therefore more resilient than a company with poor liquidity."}],"markDefs":[],"style":"normal"},{"_key":"b9350efded58","_type":"block","children":[{"_key":"bfc2a26373ae","_type":"span","marks":[],"text":"Listed securities"}],"markDefs":[],"style":"h4"},{"_key":"c9a53844b863","_type":"block","children":[{"_key":"cc14106a9a10","_type":"span","marks":[],"text":"A listed security is an asset which is traded on an exchange, such as the London Stock Exchange. For example, shares, ETFs and bonds can all be listed securities."}],"markDefs":[],"style":"normal"},{"_key":"7d14cae778dc","_type":"block","children":[{"_key":"b7cee361494a","_type":"span","marks":[],"text":"Long strategy"}],"markDefs":[],"style":"h4"},{"_key":"ac864bbc3e10","_type":"block","children":[{"_key":"76d2c280218b","_type":"span","marks":[],"text":"A long investing strategy is one where you buy or hold a share that you expect to increase in value over time."}],"markDefs":[],"style":"normal"},{"_key":"1c156dcf2afd","_type":"block","children":[{"_key":"ca839ac132c0","_type":"span","marks":[],"text":"London Stock Exchange (LSE)"}],"markDefs":[],"style":"h4"},{"_key":"f94be5934444","_type":"block","children":[{"_key":"699531d03250","_type":"span","marks":[],"text":"The London Stock Exchange or LSE is the name of the stock market based in the City of London. The total market value of all companies trading on the LSE was recently recorded in excess of $3 trillion."}],"markDefs":[],"style":"normal"}],"title":"L"}]},{"_key":"2c366fb22cfb","_type":"block","children":[{"_key":"723d3a965d89","_type":"span","marks":[],"text":""},{"_key":"1441dc28cf65","_type":"mainAnchor","pageAnchor":{"_ref":"1ef26854-847c-4fe8-8663-9e0df4a542ab","_type":"reference"}},{"_key":"b7981b90a810","_type":"span","marks":[],"text":""},{"_key":"5562b1fe76f7","_type":"mainAnchor","pageAnchor":{"_ref":"6fdfe7bf-bcfb-4adf-ae00-ea109c3413c4","_type":"reference"}},{"_key":"d4d6978d0214","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"478574fffdb3","_type":"dropdownWidget","items":[{"_key":"33953498fce6","_type":"dropdownObject","text":[{"_key":"b388d8b16819","_type":"block","children":[{"_key":"d7e14e0935d7","_type":"span","marks":[],"text":"Macroeconomic"}],"markDefs":[],"style":"h4"},{"_key":"7ca742d51c29","_type":"block","children":[{"_key":"7f130b550681","_type":"span","marks":[],"text":"Macroeconomic is a term used to describe economic activity happening on a global or multi-national scale. For example, a global recession would be a macroeconomic event, or a war might be a negative factor impacting macroeconomic mood or sentiment."}],"markDefs":[],"style":"normal"},{"_key":"2df190296414","_type":"block","children":[{"_key":"83ea1686bd3e","_type":"span","marks":[],"text":"Management fee"}],"markDefs":[],"style":"h4"},{"_key":"792946341248","_type":"block","children":[{"_key":"f2533590579d","_type":"span","marks":[],"text":"A management fee is a charge that you pay to an investment manager for their services. This is usually shown as a percentage, for example 1%, of the total amount invested per year."}],"markDefs":[],"style":"normal"},{"_key":"45b1ed7e6156","_type":"block","children":[{"_key":"93398a631bc2","_type":"span","marks":[],"text":"Market capitalisation"}],"markDefs":[],"style":"h4"},{"_key":"0a712d8d376c","_type":"block","children":[{"_key":"6e812ceac4cd","_type":"span","marks":[],"text":"Often shortened to \"market cap\", market capitalisation is a commonly used measure of the size of a company or fund. It's calculated by adding together the total value of all shares."}],"markDefs":[],"style":"normal"},{"_key":"2cb3c13d6ad1","_type":"block","children":[{"_key":"c90b9c5791d0","_type":"span","marks":[],"text":"Market sentiment"}],"markDefs":[],"style":"h4"},{"_key":"39c76d0167dd","_type":"block","children":[{"_key":"e41d7dc31774","_type":"span","marks":[],"text":"Market sentiment is the overall mood or attitude of investors, either to individual shares and investments or to the stock market as a whole."}],"markDefs":[],"style":"normal"},{"_key":"bba60fd76383","_type":"block","children":[{"_key":"8238d1b1c455","_type":"span","marks":[],"text":"Market share"}],"markDefs":[],"style":"h4"},{"_key":"ccdb2eb6e214","_type":"block","children":[{"_key":"a58cdfe7fbe6","_type":"span","marks":[],"text":"The market share is the proportion of a stock market or sector which a particular company makes up."}],"markDefs":[],"style":"normal"},{"_key":"4442589e6e18","_type":"block","children":[{"_key":"a08996209933","_type":"span","marks":[],"text":"Maturity"}],"markDefs":[],"style":"h4"},{"_key":"bc3b954c3d01","_type":"block","children":[{"_key":"3e6025508fb2","_type":"span","marks":[],"text":"Maturity is the date at which the agreed term on a bond comes to an end. This is the point at which the underlying loan will be repaid in full."}],"markDefs":[],"style":"normal"},{"_key":"002b7f68821d","_type":"block","children":[{"_key":"20361c1003df","_type":"span","marks":[],"text":"Momentum"}],"markDefs":[],"style":"h4"},{"_key":"c70bc1b92988","_type":"block","children":[{"_key":"b4e74e61f90d","_type":"span","marks":[],"text":"The momentum of an asset or fund refers to the concept that recent good performance is likely to continue. The investment is \"on a roll\", you might say."}],"markDefs":[],"style":"normal"},{"_key":"22c73c966298","_type":"block","children":[{"_key":"e843af1b1716","_type":"span","marks":[],"text":"Monetary policy "}],"markDefs":[],"style":"h4"},{"_key":"818fa1d36a64","_type":"block","children":[{"_key":"e4aea265b1b5","_type":"span","marks":[],"text":"Monetary policy is a series of actions employed by central banks (such as the Bank of England) or governments (such as the UK government) to exert control over the economy. It can be used to regulate how much money is in the economy and how much it costs to borrow money. An example of a monetary policy decision would be the Bank of England raising its base rate to try to stem rising inflation."}],"markDefs":[],"style":"normal"},{"_key":"5565a4d45dd9","_type":"block","children":[{"_key":"d5cea1aa132a","_type":"span","marks":[],"text":"Money market funds"}],"markDefs":[],"style":"h4"},{"_key":"0b4aec6b0bf2","_type":"block","children":[{"_key":"4c3d900a16af","_type":"span","marks":[],"text":"Money market funds are a type of fund which invest in large volumes of highly liquid, short-term debt products - such as cash or high quality bonds like UK gilts or US Treasuries near maturity. They're designed to be a very low risk type of investment, sometimes touted as an alternative to cash."}],"markDefs":[],"style":"normal"},{"_key":"3e5615ba575e","_type":"block","children":[{"_key":"04f4b86b8717","_type":"span","marks":[],"text":"Multi-asset"}],"markDefs":[],"style":"h4"},{"_key":"6aab3889586d","_type":"block","children":[{"_key":"96dd38378804","_type":"span","marks":[],"text":"Multi-asset is a term used to describe funds or portfolios that contain more than one type of asset class - e.g. shares and property - and are frequently used by investors who want to diversify and gain exposure to multiple types of asset. Read more about multi-asset funds "},{"_key":"fb1934042293","_type":"span","marks":["ab077e0d20bb"],"text":"here"},{"_key":"71de9a53d549","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"ab077e0d20bb","_type":"internalLinkPick","reference":{"_ref":"06e8a05d-c0c4-478d-9a16-85fa2de6405d","_type":"reference"}}],"style":"normal"}],"title":"M"}]},{"_key":"96de9e504ae4","_type":"block","children":[{"_key":"5a1b3b08899b","_type":"span","marks":[],"text":""},{"_key":"591abdef47f2","_type":"mainAnchor","pageAnchor":{"_ref":"c35f31a9-59dc-443b-bf1a-fd432a7e0885","_type":"reference"}},{"_key":"7d94bffffca6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b1204c604b2b","_type":"dropdownWidget","items":[{"_key":"33953498fce6","_type":"dropdownObject","text":[{"_key":"e3e95a97c66d","_type":"block","children":[{"_key":"d31dc2e613bf","_type":"span","marks":["strong"],"text":"NASDAQ"}],"markDefs":[],"style":"h4"},{"_key":"f8d326421ee6","_type":"block","children":[{"_key":"598cc9ca2df9","_type":"span","marks":[],"text":"An American stock exchange primarily known for technology and growth companies."}],"markDefs":[],"style":"normal"},{"_key":"872a165cbddf","_type":"block","children":[{"_key":"30f8e030c9ed","_type":"span","marks":[],"text":"National Insurance (NI)"}],"markDefs":[],"style":"h4"},{"_key":"260be9c83141","_type":"block","children":[{"_key":"197fc931141d","_type":"span","marks":[],"text":"National Insurance is a type of tax that individuals who earn over a certain amount pay to the UK government. It's used to fund state benefits, including the "},{"_key":"86a8e7ef0d71","_type":"span","marks":["4d36ecf48553"],"text":"State Pension"},{"_key":"ef68cb9b39c5","_type":"span","marks":[],"text":", healthcare services like the NHS, unemployment benefits, and other social welfare programmes. The amount of NI contributions a person pays is based on their income. "}],"markDefs":[{"_key":"4d36ecf48553","_type":"internalLinkPick","reference":{"_ref":"24becfe8-66e5-4cc0-a93d-d43dba6dc2f4","_type":"reference"}}],"style":"normal"},{"_key":"40a7cc2028dd","_type":"block","children":[{"_key":"2f7ae6ae4b60","_type":"span","marks":[],"text":"Net Asset Value (NAV)"}],"markDefs":[],"style":"h4"},{"_key":"3d630b183293","_type":"block","children":[{"_key":"894358b0ef1f","_type":"span","marks":[],"text":"Often shortened to NAV, the Net Asset Value is a measurement used to describe the current value of an investment at a moment in time. It's calculated by taking the overall value of a company's total assets and subtracting its total debts or liabilities. It can be expressed as price-per-share by further dividing this figure by the total number of shares. "}],"markDefs":[],"style":"normal"},{"_key":"e87e8979a92d","_type":"block","children":[{"_key":"31d8af16e38e","_type":"span","marks":["strong"],"text":"Non-Fungible Token (NFT)"}],"markDefs":[],"style":"h4"},{"_key":"7e33fe807bda","_type":"block","children":[{"_key":"3aee21700be2","_type":"span","marks":[],"text":"A Non-Fungible Token or NFT is a digital asset that represents ownership or proof of authenticity of a unique item, such as art or music, recorded on the blockchain - the same technology used for cryptocurrency."}],"markDefs":[],"style":"normal"},{"_key":"701d11ee57b4","_type":"block","children":[{"_key":"eba840d0a9a4","_type":"span","marks":["strong"],"text":"New York Stock Exchange (NYSE)"}],"markDefs":[],"style":"h4"},{"_key":"f3b3e2351b69","_type":"block","children":[{"_key":"17a0d1b42279","_type":"span","marks":[],"text":"The New York Stock Exchange or NYSE is the largest stock exchange in the world by market capitalisation."}],"markDefs":[],"style":"normal"}],"title":"N"}]},{"_key":"6b186924c685","_type":"block","children":[{"_key":"3a70816181ca","_type":"span","marks":[],"text":""},{"_key":"49bbaaba3e7b","_type":"mainAnchor","pageAnchor":{"_ref":"069bce55-9880-41c1-92d1-b098ce2bccf3","_type":"reference"}},{"_key":"5d39490f9a3e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8ff01c493a6a","_type":"dropdownWidget","items":[{"_key":"06b33fdb634e","_type":"dropdownObject","text":[{"_key":"06af5d5ceeb1","_type":"block","children":[{"_key":"c7a58e053383","_type":"span","marks":[],"text":"Offer price"}],"markDefs":[],"style":"h4"},{"_key":"4a9d95599b55","_type":"block","children":[{"_key":"b734860e599b","_type":"span","marks":[],"text":"Like the ask price, the offer price is the lowest price that a seller is willing to sell an investment."}],"markDefs":[],"style":"normal"},{"_key":"d4c0099b9e83","_type":"block","children":[{"_key":"0b604ab2b7c3","_type":"span","marks":[],"text":"Ongoing Charges Figure (OCF)"}],"markDefs":[],"style":"h4"},{"_key":"26e67735dd10","_type":"block","children":[{"_key":"f0314d35de1b","_type":"span","marks":[],"text":"The Ongoing Charges Figure or OCF is the total cost of an investment over the course of one year. It typically includes the management fee as well as any other charges, such as account fees, and represents the total amount that an investor can expect to pay for an investment for one year. "}],"markDefs":[],"style":"normal"},{"_key":"12fdf6c70659","_type":"block","children":[{"_key":"5d05bfc0095a","_type":"span","marks":[],"text":"Open-Ended Investment Company (OEIC)"}],"markDefs":[],"style":"h4"},{"_key":"64d22f768021","_type":"block","children":[{"_key":"db2b20d22220","_type":"span","marks":[],"text":"An OEIC or Open-Ended Investment Company is a type of fund where the money of all investors is pooled together and then invested on their behalf at the direction of the fund manager. They're open-ended because there is an infinite number of shares available - it can generate new shares whenever an investor wants to buy one or it can buy shares back whenever an investor wants to sell."}],"markDefs":[],"style":"normal"},{"_key":"b452314b8579","_type":"block","children":[{"_key":"30f45b9d2d22","_type":"span","marks":[],"text":"Open-end funds"}],"markDefs":[],"style":"h4"},{"_key":"e20ad5529a0e","_type":"block","children":[{"_key":"1c2eee8cd57d","_type":"span","marks":[],"text":"An open-end fund is a type of fund that continuously issues and redeems shares based on investor demand. They don't have a limit on the number of shares they can issue. They're the opposite of closed-end funds, which have a finite pool of available shares, such as investment trusts."}],"markDefs":[],"style":"normal"},{"_key":"dd58f8f8a81d","_type":"block","children":[{"_key":"18e6d435dd0f","_type":"span","marks":[],"text":"Options"}],"markDefs":[],"style":"h4"},{"_key":"b6c34e7feaef","_type":"block","children":[{"_key":"aaa4a10d25d7","_type":"span","marks":[],"text":"An option is a form of derivative which represents the right (but not the obligation) of the buyer to buy or sell an investment at a chosen price at some point in the future. A \"call\" option is when an investor purchases the right to buy the investment at a predetermined price. A \"put\" option is when an investor purchases the right to sell an investment at a predetermined price. Options provide flexibility for investors to profit from price movements without owning the underlying investment outright."}],"markDefs":[],"style":"normal"},{"_key":"0abb4022ed3f","_type":"block","children":[{"_key":"0ea8c9318caa0","_type":"span","marks":[],"text":"Overweight"}],"markDefs":[],"style":"h4"},{"_key":"9bf28e213468","_type":"block","children":[{"_key":"6a5a0e86f9370","_type":"span","marks":[],"text":"A portfolio or fund is overweight when it has a larger proportion in a particular asset class, sector, geographical region or share compared to the index or benchmark it is usually measured against. "}],"markDefs":[],"style":"normal"}],"title":"O"}]},{"_key":"f92a77ddd4de","_type":"block","children":[{"_key":"c6ab85f530e9","_type":"span","marks":[],"text":""},{"_key":"28eead28db4b","_type":"mainAnchor","pageAnchor":{"_ref":"acdbcaeb-8268-4355-9ab6-59232a42deb5","_type":"reference"}},{"_key":"c6714db4a13e","_type":"span","marks":[],"text":""},{"_key":"0319e45f385f","_type":"mainAnchor","pageAnchor":{"_ref":"75142f92-c895-4760-a710-bf518bcacd3d","_type":"reference"}},{"_key":"9ea05457bfbd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"457ed83ab160","_type":"dropdownWidget","items":[{"_key":"311052645ffb","_type":"dropdownObject","text":[{"_key":"552b49ea6095","_type":"block","children":[{"_key":"4900483dcaf4","_type":"span","marks":[],"text":"Passive"}],"markDefs":[],"style":"h4"},{"_key":"905d0017e8ea","_type":"block","children":[{"_key":"d33598a1a820","_type":"span","marks":[],"text":"A passively managed fund is designed to replicate or track a particular index or benchmark - for example, the FTSE 100 or S&P 500. A passive investment style is similarly one which replicates an index or benchmark with minimal deviation."}],"markDefs":[],"style":"normal"},{"_key":"7271a33c19b3","_type":"block","children":[{"_key":"daaba7e4dab10","_type":"span","marks":[],"text":"Portfolio"}],"markDefs":[],"style":"h4"},{"_key":"b0c48230a473","_type":"block","children":[{"_key":"34279af50c03","_type":"span","marks":[],"text":"A portfolio is a collection of investments such as shares, bonds and funds."}],"markDefs":[],"style":"normal"},{"_key":"7d5e703dfb61","_type":"block","children":[{"_key":"930358a0d2cd","_type":"span","marks":[],"text":"P/E Ratio"}],"markDefs":[],"style":"h4"},{"_key":"e44214fb0972","_type":"block","children":[{"_key":"8b3ce90fbcdd","_type":"span","marks":[],"text":"The P/E Ratio or Price-Earnings Ratio is a measurement of a company's share price relative to its earnings per-share. It's used to determine whether a share is overvalued - i.e. the share price is higher than the earnings per share - or undervalued - i.e. the share price is lower than the earnings per share. It's calculated by dividing the current share price by the earnings per-share."}],"markDefs":[],"style":"normal"},{"_key":"24dbf0ded8ec","_type":"block","children":[{"_key":"d648326da1430","_type":"span","marks":["strong"],"text":"Principal"}],"markDefs":[],"style":"h4"},{"_key":"7aeca8a5c1ac","_type":"block","children":[{"_key":"b010b1375d89","_type":"span","marks":[],"text":"The principal is a word sometimes used to describe the initial amount of money invested - such as in a bond - or borrowed - such as with a loan - excluding any subsequently earned interest or dividends."}],"markDefs":[],"style":"normal"},{"_key":"f47820934c56","_type":"block","children":[{"_key":"4230da5967250","_type":"span","marks":["strong"],"text":"Profit"}],"markDefs":[],"style":"h4"},{"_key":"646ef4b39de5","_type":"block","children":[{"_key":"82299db04bf9","_type":"span","marks":[],"text":"Profit is the financial gain an investor makes on their investment, after deducting all expenses and losses. It's sometimes also called the 'return' or 'earnings'."}],"markDefs":[],"style":"normal"},{"_key":"cd5db6ed7475","_type":"block","children":[{"_key":"2485fddd8ebc0","_type":"span","marks":["strong"],"text":"Profit margin"}],"markDefs":[],"style":"h4"},{"_key":"befcb19de1f6","_type":"block","children":[{"_key":"802e8ec71167","_type":"span","marks":[],"text":"A profit margin is a ratio that measures a company's profitability. It's calculated by dividing the company's net (total) income by its profits to illustrate how much the company gets to keep as a profit after subtracting all costs."}],"markDefs":[],"style":"normal"}],"title":"P"}]},{"_key":"759d5eacc01f","_type":"block","children":[{"_key":"625d31428381","_type":"span","marks":[],"text":""},{"_key":"8547a74dfbfa","_type":"mainAnchor","pageAnchor":{"_ref":"00fd73fa-3005-430d-8596-c7cd88cfebf3","_type":"reference"}},{"_key":"fa806d281ee4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"998450f63c43","_type":"dropdownWidget","items":[{"_key":"311052645ffb","_type":"dropdownObject","text":[{"_key":"7eab0015ce08","_type":"block","children":[{"_key":"96c4cc6ed1f00","_type":"span","marks":[],"text":"Quantitative Easing (QE)"}],"markDefs":[],"style":"h4"},{"_key":"16077562c5f9","_type":"block","children":[{"_key":"a3dfddfd8a470","_type":"span","marks":[],"text":"Quantitative Easing or QE refers to a monetary policy implemented by central banks to generate economic activity. This usually works by buying bonds and other assets to increase liquidity and encourage lending and investment in the wider market. It was recently used in the UK during the Covid-19 pandemic."}],"markDefs":[],"style":"normal"},{"_key":"4c9053801ebf","_type":"block","children":[{"_key":"86e1ad0dde890","_type":"span","marks":["strong"],"text":"Quote"}],"markDefs":[],"style":"h4"},{"_key":"982a08a1c65a","_type":"block","children":[{"_key":"d719d2be1fbe0","_type":"span","marks":[],"text":"A quote in investing represents the current price at which a share, commodity, or currency is being traded at. It typically includes the bid price and the ask price and can be used to give investors real-time information about a price before they decide to buy or sell."}],"markDefs":[],"style":"normal"}],"title":"Q"}]},{"_key":"9f5af7c9ea81","_type":"block","children":[{"_key":"e596ae3cbc9a","_type":"span","marks":[],"text":""},{"_key":"65de2128a12e","_type":"mainAnchor","pageAnchor":{"_ref":"7764a53b-dd24-4c61-a346-6cb6ea560ed9","_type":"reference"}},{"_key":"c4b21318ae5c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0b01488a0446","_type":"dropdownWidget","items":[{"_key":"311052645ffb","_type":"dropdownObject","text":[{"_key":"2c726f16d5d6","_type":"block","children":[{"_key":"68eb13989445","_type":"span","marks":["strong"],"text":"Rate of Return (ROR)"}],"markDefs":[],"style":"h4"},{"_key":"d9e3535cbe36","_type":"block","children":[{"_key":"e579c163a10c","_type":"span","marks":[],"text":"The Rate of Return or ROR is the same as the ROI."}],"markDefs":[],"style":"normal"},{"_key":"739be671110b","_type":"block","children":[{"_key":"5beeb76769dc","_type":"span","marks":[],"text":"Ready-made portfolios"}],"markDefs":[],"style":"h4"},{"_key":"7458235c200a","_type":"block","children":[{"_key":"1ca692e64b45","_type":"span","marks":[],"text":"A ready-made portfolio is a premade bundle of investments which provides a blend of bonds and shares in different proportions depending on your tolerance for risk. Lower risk ready-made portfolios tend to invest in more bonds (generally considered lower risk investments), whereas higher risk ready-made portfolios tend to invest in more shares (generally considered higher risk investments). Ready-made portfolios are a subtype of multi-asset funds and are offered by asset managers as well as robo advisers. Read more about ready-made portfolios in our full guide "},{"_key":"c921eb26b593","_type":"span","marks":["72b22cc16a1f"],"text":"here"},{"_key":"e0c33902f699","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"72b22cc16a1f","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"30021281532d","_type":"block","children":[{"_key":"a57101c7e00d","_type":"span","marks":["strong"],"text":"Real Estate Investment Trust (REIT)"}],"markDefs":[],"style":"h4"},{"_key":"d79f145d85d3","_type":"block","children":[{"_key":"76d2c2517b00","_type":"span","marks":[],"text":"A Real Estate Investment Trust or REIT is a company that owns, operates, or finances income-generating real estate. Investors can buy shares in a REIT, allowing them to invest in real estate without owning physical property. REITs often provide dividends based on rental income."}],"markDefs":[],"style":"normal"},{"_key":"4bf3d46e2425","_type":"block","children":[{"_key":"8d8faeb496e8","_type":"span","marks":[],"text":"Return on Investment (ROI) "}],"markDefs":[],"style":"h4"},{"_key":"a5cdaa24641b","_type":"block","children":[{"_key":"e150927d3ef1","_type":"span","marks":[],"text":"Return on Investment or ROI is a metric used to evaluate the profitability of an investment relative to its cost. It's calculated by dividing the net profit from the initial invested amount and is used to assess the success of an investment strategy."}],"markDefs":[],"style":"normal"},{"_key":"ef34fbffcb90","_type":"block","children":[{"_key":"4f908e007a4d","_type":"span","marks":["strong"],"text":"Revenue"}],"markDefs":[],"style":"h4"},{"_key":"d6e8acca272c","_type":"block","children":[{"_key":"13f71490b669","_type":"span","marks":[],"text":"Revenue is the total income generated from a business's operations. In investing, it's important to evaluate a company's revenue as it indicates its ability to generate income. Consistent and growing revenue is generally a positive indicator for investors, whereas consistently falling revenue can be a negative sign. A company's revenue minus all operating costs and losses is its profit."}],"markDefs":[],"style":"normal"},{"_key":"73577b2d6233","_type":"block","children":[{"_key":"baf3fef527f20","_type":"span","marks":["strong"],"text":"Risk"}],"markDefs":[],"style":"h4"},{"_key":"2ad38d2c16c7","_type":"block","children":[{"_key":"67d30fc872d7","_type":"span","marks":[],"text":"Risk in investing refers to the uncertainty or potential of losing money on an investment. It's essential to understand and manage investment risk as it directly correlates with potential returns. For example, high risk investments may earn higher returns but also carry a greater chance of loss. On the other hand, low risk investments may have a lesser chance of losing money, but come with less earnings potential too. Read more about risk and how to use it appropriately in our"},{"_key":"dd448eb51203","_type":"span","marks":["f26f70f46502"],"text":" Investing for Beginners"},{"_key":"addb0785cd98","_type":"span","marks":[],"text":" course."}],"markDefs":[{"_key":"f26f70f46502","_type":"internalLinkPick","reference":{"_ref":"bc6b73f2-43c7-43c3-8adb-56e56d274fdc","_type":"reference"}}],"style":"normal"},{"_key":"d0dac39961fa","_type":"block","children":[{"_key":"781051debb71","_type":"span","marks":["strong"],"text":"Risk tolerance"}],"markDefs":[],"style":"h4"},{"_key":"64be170ee4f1","_type":"block","children":[{"_key":"b167ea4c4bbc","_type":"span","marks":[],"text":"Risk tolerance refers to the extent an investor is willing to endure fluctuations in the price of their investments. In other words, it's your attitude to investment risk and how much you feel comfortable taking on. It's important to assess your risk tolerance to create an investment portfolio and strategy that's suitably aligned with your comfort level. You can read more about how to determine your risk tolerance "},{"_key":"ac4e38b59f6c","_type":"span","marks":["4798db63f020"],"text":"here"},{"_key":"3dc1071b9757","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"4798db63f020","_type":"internalLinkPick","reference":{"_ref":"25599c4c-bf4f-4150-9d09-613c345b07c8","_type":"reference"}}],"style":"normal"},{"_key":"59afce4ce9f4","_type":"block","children":[{"_key":"46eac0ef839a","_type":"span","marks":[],"text":"Robo adviser"}],"markDefs":[],"style":"h4"},{"_key":"dffa1d074224","_type":"block","children":[{"_key":"11132c5c948d","_type":"span","marks":[],"text":"A robo adviser or robo is a type of asset management company which offers ready-made portfolios that are managed using algorithms that frequently rebalance the portfolio to maintain exposure to different assets in line with a chosen risk level. "}],"markDefs":[],"style":"normal"}],"title":"R"}]},{"_key":"d3f676c85e8b","_type":"block","children":[{"_key":"2dfe409263ff","_type":"span","marks":[],"text":""},{"_key":"57693e912a40","_type":"mainAnchor","pageAnchor":{"_ref":"22f8a158-ed05-4f14-a582-54029352f511","_type":"reference"}},{"_key":"8d4640e9a394","_type":"span","marks":[],"text":""},{"_key":"4c0f684bda71","_type":"mainAnchor","pageAnchor":{"_ref":"eacdeec4-37b4-4ed1-af20-d6d9a6643b61","_type":"reference"}},{"_key":"3cc8694c0eff","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f5efd7593a0f","_type":"dropdownWidget","items":[{"_key":"a82861b12055","_type":"dropdownObject","text":[{"_key":"54d82d35ff15","_type":"block","children":[{"_key":"1cd9ce01d43b0","_type":"span","marks":["strong"],"text":"Sector"}],"markDefs":[],"style":"h4"},{"_key":"d5b7e04bee59","_type":"block","children":[{"_key":"d68c43e10709","_type":"span","marks":[],"text":"A sector refers to a group of companies that all operate in the same industry or part of the economy. For example, technology, healthcare, finance and agriculture are all sectors."}],"markDefs":[],"style":"normal"},{"_key":"3eb692b46b49","_type":"block","children":[{"_key":"180968cab5410","_type":"span","marks":["strong"],"text":"Security"}],"markDefs":[],"style":"h4"},{"_key":"e13ba155d12f","_type":"block","children":[{"_key":"33ae84a4fa16","_type":"span","marks":[],"text":"A security is a financial instrument that holds some type of monetary value. Shares, bonds, and derivatives are examples of securities."}],"markDefs":[],"style":"normal"},{"_key":"29b7ecf54d31","_type":"block","children":[{"_key":"6e82e02fde80","_type":"span","marks":[],"text":"Self-Invested Personal Pension (SIPP)"}],"markDefs":[],"style":"h4"},{"_key":"29ced7ea8769","_type":"block","children":[{"_key":"6f3d864932a9","_type":"span","marks":[],"text":"A Self-Invested Personal Pension or SIPP, sometimes also called a private pension or personal pension, is a type of pension that allows individuals to save for retirement by managing their own investments. This is different from the State Pension or workplace pension schemes, where individuals usually have limited control of what they're invested in. SIPPs come with tax relief designed to incentivise people to save for retirement, where for every amount you add to a SIPP account, the UK government will contribute additional money based on your usual rate of Income Tax. Read more in our full guide "},{"_key":"bf08eb351682","_type":"span","marks":["92aed6d24e13"],"text":"here"},{"_key":"1e1c030b73e9","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"92aed6d24e13","_type":"internalLinkPick","reference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"}}],"style":"normal"},{"_key":"47a2f8dcc667","_type":"block","children":[{"_key":"82cecf23cada0","_type":"span","marks":["strong"],"text":"Shares"}],"markDefs":[],"style":"h4"},{"_key":"f5ef9b2fba4f","_type":"block","children":[{"_key":"5d2b5d7a36f0","_type":"span","marks":[],"text":"Shares represent a unit of ownership in a company. Companies divide their ownership into shares and investors can purchase these to become owners of a tiny part of it. Shares are also called 'stocks' or 'equities'."}],"markDefs":[],"style":"normal"},{"_key":"c4664dfbd4ef","_type":"block","children":[{"_key":"40cda62e414b0","_type":"span","marks":["strong"],"text":"Short selling"}],"markDefs":[],"style":"h4"},{"_key":"b2c211b706ce","_type":"block","children":[{"_key":"5ed385973c9f","_type":"span","marks":[],"text":"Short selling is an investment strategy where an investor borrows a share and then sells it, aiming to buy it back later at a lower price and profit from the price difference."}],"markDefs":[],"style":"normal"},{"_key":"31413e908553","_type":"block","children":[{"_key":"d9d118945e950","_type":"span","marks":["strong"],"text":"S&P 500"}],"markDefs":[],"style":"h4"},{"_key":"71da369f13b5","_type":"block","children":[{"_key":"d1a6e9a4f3f2","_type":"span","marks":[],"text":"The S&P 500 is an index that tracks the performance of the 500 largest publicly traded companies in the United States. It's often used as a benchmark for the overall global stock market."}],"markDefs":[],"style":"normal"},{"_key":"a2a6493608ce","_type":"block","children":[{"_key":"596a764625c60","_type":"span","marks":["strong"],"text":"Spread"}],"markDefs":[],"style":"h4"},{"_key":"2e3fbb972b22","_type":"block","children":[{"_key":"e46abaa076e6","_type":"span","marks":[],"text":"Spread refers to the difference between the ask price and the bid price of a share. A narrow spread is preferable as it indicates a smaller difference between the prices and therefore usually better liquidity."}],"markDefs":[],"style":"normal"},{"_key":"f4a6fc88118f","_type":"block","children":[{"_key":"57e9c6d06ec6","_type":"span","marks":[],"text":"State Pension"}],"markDefs":[],"style":"h4"},{"_key":"f595f0018975","_type":"block","children":[{"_key":"e34e0bc83958","_type":"span","marks":[],"text":"The State Pension is a type of pension provided by the UK government to eligible UK adults once they reach the State Pension age (currently 66 but rising to 67 from 2026). It's designed to offer a basic amount of financial support during retirement. The amount a person receives depends on their track record of National Insurance contributions. Read more in our full State Pension guide "},{"_key":"9d2df1038e25","_type":"span","marks":["159991fa8c25"],"text":"here"},{"_key":"30c16d2022cd","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"159991fa8c25","_type":"internalLinkPick","reference":{"_ref":"24becfe8-66e5-4cc0-a93d-d43dba6dc2f4","_type":"reference"}}],"style":"normal"},{"_key":"3e3b62f1dba3","_type":"block","children":[{"_key":"8da70320219f0","_type":"span","marks":["strong"],"text":"Stock market"}],"markDefs":[],"style":"h4"},{"_key":"744dda474d4c","_type":"block","children":[{"_key":"eaa2acdf6ac5","_type":"span","marks":[],"text":"Stock markets are public markets where buyers and sellers trade stocks (shares) of publicly listed companies. They are physical places in the real world - like the London Stock Exchange in London or the New York Stock Exchange in New York City."}],"markDefs":[],"style":"normal"},{"_key":"e13852446342","_type":"block","children":[{"_key":"ad308d4351650","_type":"span","marks":["strong"],"text":"Stock split"}],"markDefs":[],"style":"h4"},{"_key":"bafe5d84f793","_type":"block","children":[{"_key":"40b002e25e23","_type":"span","marks":[],"text":"A stock split occurs when a company divides its existing shares into multiple shares. This doesn't affect the company's value but it increases the total number of available shares."}],"markDefs":[],"style":"normal"},{"_key":"69e3327a7800","_type":"block","children":[{"_key":"3390bcee05d10","_type":"span","marks":["strong"],"text":"Stop-loss order"}],"markDefs":[],"style":"h4"},{"_key":"fe08cf2a073c","_type":"block","children":[{"_key":"a773a1e8bf71","_type":"span","marks":[],"text":"A stop-loss order is an instruction an investor makes to sell a stock automatically when it reaches a specific price. It's used to limit losses and manage risk by selling before an investment falls too far in value."}],"markDefs":[],"style":"normal"}],"title":"S"}]},{"_key":"8481abf47333","_type":"block","children":[{"_key":"48cf7212ce43","_type":"span","marks":[],"text":""},{"_key":"1d11a473c668","_type":"mainAnchor","pageAnchor":{"_ref":"b262b86c-c9a0-4114-8e2a-08e5e4c961de","_type":"reference"}},{"_key":"0c74773ea706","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cd8423020438","_type":"dropdownWidget","items":[{"_key":"bb4587ba9e5b","_type":"dropdownObject","text":[{"_key":"6fc4da1b9540","_type":"block","children":[{"_key":"012097806f830","_type":"span","marks":["strong"],"text":"Ticker symbol"}],"markDefs":[],"style":"h4"},{"_key":"177f2b0f0376","_type":"block","children":[{"_key":"058a7bfefb7a","_type":"span","marks":[],"text":"A ticker symbol is a unique combination of letters which represent a particular share on a stock exchange. It serves as a shorthand method for identifying a share. For example, the ticker for Apple on the NASDAQ index is AAPL and the ticker for Shell on the FTSE 100 is SHEL."}],"markDefs":[],"style":"normal"},{"_key":"07b36bf3e4b1","_type":"block","children":[{"_key":"3cc4eb4e5c610","_type":"span","marks":["strong"],"text":"Time horizon"}],"markDefs":[],"style":"h4"},{"_key":"fcde5838a9f8","_type":"block","children":[{"_key":"6398a8e6a179","_type":"span","marks":[],"text":"Time horizon refers to the length of time an investor expects to hold an investment before they intend to sell it to withdraw their funds. "}],"markDefs":[],"style":"normal"},{"_key":"cb403f242e3b","_type":"block","children":[{"_key":"877bebc4a6200","_type":"span","marks":["strong"],"text":"Total return"}],"markDefs":[],"style":"h4"},{"_key":"e1bea9210dd1","_type":"block","children":[{"_key":"fb5b03967cd8","_type":"span","marks":[],"text":"Total return encompasses both the appreciation (or depreciation) in the principal investment plus any dividends or interest earned over a specific period."}],"markDefs":[],"style":"normal"},{"_key":"8eb294ea6e2f","_type":"block","children":[{"_key":"787bcb3730040","_type":"span","marks":["strong"],"text":"Trading volume"}],"markDefs":[],"style":"h4"},{"_key":"95a0391f5573","_type":"block","children":[{"_key":"52e2a0f9f0f4","_type":"span","marks":[],"text":"Trading volume is the total number of shares traded for a specific security during a given period. A high trading volume often indicates increased interest in that security, for example, whereas a low trading volume suggests the opposite."}],"markDefs":[],"style":"normal"},{"_key":"a9ab8ed3648d","_type":"block","children":[{"_key":"bc50c9895fab","_type":"span","marks":["strong"],"text":"Transaction fee"}],"markDefs":[],"style":"h4"},{"_key":"0254cb8ac2cd","_type":"block","children":[{"_key":"770e87047191","_type":"span","marks":[],"text":"A transaction fee is a charge imposed by an investment platform for executing a trade within an investment account."}],"markDefs":[],"style":"normal"},{"_key":"7c37d48ed7e2","_type":"block","children":[{"_key":"78255d69daa00","_type":"span","marks":["strong"],"text":"Treasury bonds"}],"markDefs":[],"style":"h4"},{"_key":"ef9a8811f85f","_type":"block","children":[{"_key":"fdfa48b8f2ab","_type":"span","marks":[],"text":"Treasury bonds are long-term government bonds with fixed interest rates issued by the US Department of the Treasury. Like UK gilts, they're generally considered to be low risk investments."}],"markDefs":[],"style":"normal"}],"title":"T"}]},{"_key":"47adab5547ee","_type":"block","children":[{"_key":"a539d33843d1","_type":"span","marks":[],"text":""},{"_key":"17d5bdfce0f0","_type":"mainAnchor","pageAnchor":{"_ref":"f49e2dc7-879a-4bae-8df6-6f54a69bbc48","_type":"reference"}},{"_key":"5eb9299abe2f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e4c8ee0db985","_type":"dropdownWidget","items":[{"_key":"2fb4e9c023aa","_type":"dropdownObject","text":[{"_key":"2655c953de12","_type":"block","children":[{"_key":"a5e33f2b7d380","_type":"span","marks":[],"text":"Underlying investments"}],"markDefs":[],"style":"h4"},{"_key":"ea1d60470d91","_type":"block","children":[{"_key":"62825c3848ad","_type":"span","marks":[],"text":"An underlying investments is an asset or investment within an investment product or portfolio. For example, shares, bonds and commodities may be underlying investments in a multi-asset fund."}],"markDefs":[],"style":"normal"}],"title":"U"}]},{"_key":"c4f8b456b704","_type":"block","children":[{"_key":"9fcaa15de288","_type":"span","marks":[],"text":""},{"_key":"187795553bcb","_type":"mainAnchor","pageAnchor":{"_ref":"44113b7a-b3f2-4148-a638-0391401e4b1e","_type":"reference"}},{"_key":"d6e662d6d239","_type":"span","marks":[],"text":""},{"_key":"397ff886a3e7","_type":"mainAnchor","pageAnchor":{"_ref":"8348a96f-5f71-4826-8508-d7fae6b929f6","_type":"reference"}},{"_key":"157ae6cf9eb2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d6c7bc5d8ad2","_type":"dropdownWidget","items":[{"_key":"18b6cc1e93f0","_type":"dropdownObject","text":[{"_key":"4f660e0df3b0","_type":"block","children":[{"_key":"90b2da18afa90","_type":"span","marks":["strong"],"text":"Value investing"}],"markDefs":[],"style":"h4"},{"_key":"c9c19b9d6390","_type":"block","children":[{"_key":"093d4b27f804","_type":"span","marks":[],"text":"Value investing is an investment strategy that focuses on selecting shares or securities believed to be trading at a lower price than their intrinsic value. Investors aim to generate a profit on these undervalued assets as and when they increase in value."}],"markDefs":[],"style":"normal"},{"_key":"bcbc4de6ef47","_type":"block","children":[{"_key":"ef810d447591","_type":"span","marks":[],"text":"Volatility"}],"markDefs":[],"style":"h4"},{"_key":"a7919fc153e6","_type":"block","children":[{"_key":"c605e804ba9e","_type":"span","marks":[],"text":"Volatility describes the price movement of an investment or index. High volatility indicates frequent and significant price movement, whereas low volatility denotes less frequent or severe fluctuations in price. In investment speak, a high risk investment is one which has high volatility."}],"markDefs":[],"style":"normal"}],"title":"V"}]},{"_key":"6b37d11be94b","_type":"block","children":[{"_key":"7e889925a527","_type":"span","marks":[],"text":""},{"_key":"6965f683fad7","_type":"mainAnchor","pageAnchor":{"_ref":"866c5b8e-05bc-408e-ac62-fe8fe26141ea","_type":"reference"}},{"_key":"3a266da2d952","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3211122ec76a","_type":"dropdownWidget","items":[{"_key":"1cdcaf71cbff","_type":"dropdownObject","text":[{"_key":"27ee695e2d0e","_type":"block","children":[{"_key":"26e1630880430","_type":"span","marks":["strong"],"text":"Wealth manager"}],"markDefs":[],"style":"h4"},{"_key":"4ac63049c4bd","_type":"block","children":[{"_key":"5c2486f12400","_type":"span","marks":[],"text":"A wealth manager is an individual or company which offers professional assistance in managing an individual's finances, including investments, estate planning, tax strategies, and more. Their aim is to build and protect wealth for their customers."}],"markDefs":[],"style":"normal"},{"_key":"035b631ed3ea","_type":"block","children":[{"_key":"3a1867ba6539","_type":"span","marks":[],"text":"Workplace pension"}],"markDefs":[],"style":"h4"},{"_key":"0a8875eba368","_type":"block","children":[{"_key":"4384b9998f8b","_type":"span","marks":[],"text":"A workplace pension is a type of pension set up by an employer for its employees. Both the employee and the employer contribute to it. The auto-enrolment scheme, introduced in 2012, stipulates that UK employers must enroll all employees who meet certain requirements in a workplace pension scheme. It also outlines minimum contributions for both parties - 5% for employees and 3% for employers."}],"markDefs":[],"style":"normal"}],"title":"W"}]},{"_key":"dedac8c8e713","_type":"block","children":[{"_key":"56ea9b3caaf7","_type":"span","marks":[],"text":""},{"_key":"18c4fc2dbb38","_type":"mainAnchor","pageAnchor":{"_ref":"922bb438-384b-4039-b8d3-f5ed6bd94e75","_type":"reference"}},{"_key":"8bb4d9394ec9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c075083b074e","_type":"dropdownWidget","items":[{"_key":"a9ce8baf661c","_type":"dropdownObject","text":[{"_key":"0de7b57e5de8","_type":"block","children":[{"_key":"0003b2e5b4ff","_type":"span","marks":[],"text":"Yield"}],"markDefs":[],"style":"h4"},{"_key":"296d59384fd2","_type":"block","children":[{"_key":"c66cb6617d20","_type":"span","marks":[],"text":"The yield is the return or profit on an investment, usually expressed as a percentage of the total price. So for example, if the yield on a bond is 5%, this means an investor with £100 in that bond would get £5 of income a year. The yield can include dividends, interest or any other earnings."}],"markDefs":[],"style":"normal"}],"title":"Y"}]},{"_key":"9e2dbb9ccb1e","_type":"block","children":[{"_key":"0e86553a5856","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"214f51532c2c","_type":"block","children":[{"_key":"9397cb0516430","_type":"span","marks":["em"],"text":"Boring Money's glossary is intended to be used for informational purposes only. It does not constitute financial advice or an endorsement of any investment strategy. While efforts have been made to ensure accuracy, investing concepts and terminology may vary and evolve. Readers are encouraged to conduct thorough research and/or "},{"_key":"35e68d7af322","_type":"span","marks":["em","2ac3e84997e7"],"text":"consult with a qualified financial adviser"},{"_key":"bb666d692d9e","_type":"span","marks":["em"],"text":" before making any investment decisions."}],"markDefs":[{"_key":"2ac3e84997e7","_type":"internalLinkPick","reference":{"_ref":"63a19438-721c-4042-b811-f8f2af951e0e","_type":"reference"}}],"style":"normal"}],"excerpt":[{"_key":"ab3040e01784","_type":"block","children":[{"_key":"2f8d19ca1f520","_type":"span","marks":[],"text":"Boring Money's glossary has been created to help you better understand the world of finance and investing. Use it to break through the jargon and learn about common financial words and technical terms that relate to your money."}],"markDefs":[],"style":"normal"}],"linkMenu":[{"_key":"20eb3e6866fc","_ref":"89e11648-b86c-4ffd-a554-f2770c7d054d","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":"An image of an open book and a set of Scrabble letters spelling out 'glossary'","asset":{"_ref":"image-e7bb499b6f0e9736ca8cd31bd4ea6864375b3101-1920x1080-png","_type":"reference"}},"pageBreadcrumb":{"_ref":"2728f286-5c8c-4de2-b707-327b69fa13a9","_type":"reference"},"publishedAt":"2023-12-04T09:41:51.010Z","slug":{"_type":"slug","current":"glossary"},"subfolder":{"_ref":"83495465-d1dd-4049-a955-b065009036e6","_type":"reference"},"subtitle":"A-Z of investing terms and phrases","template":"C-SB","theme":"Boring Money theme","title":"Glossary","widgets":[{"_key":"a88f134deb64","_ref":"79cbfce0-99a3-451e-82d4-c0b6a4487777","_type":"reference"},{"_key":"7270ddcc8d91","_ref":"3fefd2ec-9177-427c-9149-529cd1417d24","_type":"reference"},{"_key":"cc966f5278c5","_ref":"3a6edac9-161a-4f04-9675-c3dbaeffad1b","_type":"reference"},{"_key":"1416d66cb082","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"}],"id":"-1ccb90ef-e8b8-50f8-afca-6922d54ba2c5","children":[],"parent":null},"text":"CLICK HERE"},{"_key":"0a1f580168e9","_type":"block","children":[{"_key":"bf2676b588cc","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3ce205101f11","_type":"textboxWidget","text":[{"_key":"5897c9c5c6d6","_type":"block","children":[{"_key":"e44f5c9ca72f","_type":"span","marks":[],"text":"Historically, money invested for more than five years grows more than cash savings. Remember that investments can also fall, so you might not get all of your money back. Tax treatment depends on individual circumstances and may change."}],"markDefs":[],"style":"normal"}],"title":"Information: "},{"_key":"274490ed1e87","_type":"block","children":[{"_key":"68409047a8eb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"brazeCustomAttributes":[{"_key":"809818a41e9f","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_ProviderPage","customAttributeValue":"https://www.boringmoney.co.uk/isas-pensions/hargreaves-lansdown/"}],"brazeSubscriptionGroupId":"6ff8b394-c40b-4cb3-9396-e41096e561af","brazeSubscriptionRef":null,"categories":[{"_id":"2845ba64-de47-4336-abc9-216ccbb41a52","_type":"category","_rev":"MHiI0B0r7wy6aa3WlFJ6WK","_createdAt":"2022-04-04T09:10:52Z","_updatedAt":"2023-04-28T10:55:48Z","title":"Boring Money Provider Reviews","id":"-56aed686-14fa-58a1-a350-8da89430a4ad","children":[],"parent":null}],"company":{"_id":"9c7f704c-4cba-4209-92f9-9f8a5c442695","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4cN","_createdAt":"2021-09-22T15:39:59Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"9c7f704c-4cba-4209-92f9-9f8a5c442695","rev":"0FvTSp1yYRm2ugsQpaKWkC"}},"bestBuyAward":{"_id":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"bestBuyAward","_rev":"0FvTSp1yYRm2ugsQpTGUfg","_createdAt":"2026-01-28T13:58:18Z","_updatedAt":"2026-01-28T15:22:02Z","_system":{"base":{"id":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","rev":"XeGAzLHcGDR0dnJYGdNqKN"}},"bestBuyCompareTableLogo":{"_type":"image","asset":{"_ref":"image-007140428d612ce1b60906f9b595c70495cc175b-620x136-png","_type":"reference"}},"informationPage":{"_ref":"fc994c15-ecef-47c1-8b6b-3f316df1f542","_type":"reference"},"name":"Best Buy ISA 2026","providerPageLogo":{"_type":"image","asset":{"_ref":"image-5153835585a1a06339ad0537a54dfafadd68dc20-3201x3200-png","_type":"reference"}},"id":"-aa88658f-6979-553e-ae78-03d471c74923","children":[],"parent":null},"bestBuyAwardVisible":{"_id":"b0e152d6-2c69-4b10-8fba-28572e0ec00f","_type":"bestBuyAward","_rev":"egjFlmBQLSmNMJppSTkDNo","_createdAt":"2022-09-06T14:47:27Z","_updatedAt":"2022-10-03T12:57:15Z","name":"ISA rated by Visible","providerPageLogo":{"_type":"image","asset":{"_ref":"image-0a57ebd908fb84222354e55def54e40a0b6cc306-3840x2160-png","_type":"reference"}},"id":"-83984716-1549-5ab7-85af-49f120ab5551","children":[],"parent":null},"bestBuyType":"ISA","companyBBCats":["DIY"],"companyDisplayName":"Hargreaves Lansdown","companyLogo":{"_type":"mainImage","alt":"Hargreaves Lansdown ","asset":{"_id":"image-7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150-svg","_type":"sanity.imageAsset","_rev":"DmK61VtPyEhMsfOjcsa0P9","_createdAt":"2022-03-15T09:25:31Z","_updatedAt":"2022-03-15T09:25:31Z","assetId":"7a3173ceb0eaab5047bf5d4827073dfd0bce36ec","extension":"svg","metadata":{"_type":"sanity.imageMetadata","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1,"height":150,"width":150},"hasAlpha":true,"isOpaque":true,"lqip":"data:image/jpeg;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#32414f","foreground":"#fff","population":0.15,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#040434","foreground":"#fff","population":0.01,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#c1ccdd","foreground":"#000","population":0.7,"title":"#000"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#c1ccdd","foreground":"#000","population":0.7,"title":"#000"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#e4f2fa","foreground":"#000","population":0.5,"title":"#000"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#6574a6","foreground":"#fff","population":0.03,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#1212ec","foreground":"#fff","population":0,"title":"#fff"}}},"mimeType":"image/svg+xml","originalFilename":"Hargreaves Lansdown.svg","path":"images/k8qzcdw3/prod1503/7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150.svg","sha1hash":"4d028b2eba30e01dfbae5b4900cae476202a1052","size":50994,"uploadId":"B5WqVl5ywWi08bt3kXOBJDmPGO3NP5sE","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150.svg","filename":"Hargreaves Lansdown.svg","width":150,"height":150,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150.svg?rect=25,0,100,150&w=%width%&h=%height%&q=80","id":"image-7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150-svg","children":[],"parent":null}},"companyName":"ISA Hargreaves Lansdown ","comparisonCriteria":[{"_key":"94d9833f402a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"1fc39ddba2aa","_type":"block","children":[{"_key":"9203881de898","_type":"span","marks":[],"text":"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, Junior ISAs, ISAs, pensions and cash, these guys know their stuff."}],"markDefs":[],"style":"normal"}]},{"_key":"6ca3474818f0","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"0cd38f9074a2","_type":"block","children":[{"_key":"eb2c746afd6f","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"6865b1bab503","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"ca155be63d46","_type":"block","children":[{"_key":"c69d3ffd1647","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"920e39f4fee9","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"2ef1adb8210b","_type":"block","children":[{"_key":"cc9e1ed05f58","_type":"span","marks":[],"text":"Funds: 0.45% (for the first £250,000)"}],"markDefs":[],"style":"normal"},{"_key":"7791cc18cb85","_type":"block","children":[{"_key":"5d55502d67c3","_type":"span","marks":[],"text":"Shares: 0.45% (max £45 per year) "}],"markDefs":[],"style":"normal"}]},{"_key":"2965dd6034ae","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"ff036449dd37","_type":"block","children":[{"_key":"d3742788c30f","_type":"span","marks":[],"text":"Funds: free"}],"markDefs":[],"style":"normal"},{"_key":"1ef382df1e5e","_type":"block","children":[{"_key":"cfcac64d8ae3","_type":"span","marks":[],"text":"Shares: £11.95 (for trading less than 9*units) "}],"markDefs":[],"style":"normal"},{"_key":"bb14bdad577f","_type":"block","children":[{"_key":"6dafbde0923d","_type":"span","marks":[],"text":"* deals in previous month"}],"markDefs":[],"style":"normal"}]},{"_key":"10eada4c9d27","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"c61dbf0b4e17","_type":"block","children":[{"_key":"1e719ee4c932","_type":"span","marks":[],"text":"1% (for the first 5k)"}],"markDefs":[],"style":"normal"}]},{"_key":"6d281e2ea3b2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"18a3144b9c4c","_type":"block","children":[{"_key":"fe96f81e2cf8","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8496d1585767","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"ccebb27726ff","_type":"block","children":[{"_key":"55473baeab90","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"0631bda285c3","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"631ac7b7096a","_type":"block","children":[{"_key":"c5c9dfaefdc6","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"61e632ccf4be","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"bc512f510c42","_type":"block","children":[{"_key":"049a2aa42bf8","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"f6831c15cd93","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"2fcfe4d2d6a8","_type":"block","children":[{"_key":"8f79a6078ccb","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"74072fdaae7a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"89aa0b6ca86f","_type":"block","children":[{"_key":"16e214603fe0","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"d01b536ada2c","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"7846ef54b53b","_type":"block","children":[{"_key":"9218647a7984","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"1187715226f5","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"051a67c2c5bb","_type":"block","children":[{"_key":"c913bdd7e384","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"D72D5613-C65B-4D0E-BDF7-5944DE7C5188","hasOffer":false,"inANutshell":["Excellent service","Established company","Very strong service and educational content "],"inANutshellVisible":["Biggest platform in the UK","Excellent research options","On the pricey side"],"mostPopularRank":6,"noOfReviews":"3910","offerText":"Add £10k+ to a new HL Stocks & Shares ISA and get a £150 John Lewis e-voucher","ourRating":"9","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_id":"775746c0-d70d-4660-9d37-08b9ccc2c92d","_type":"linkCategory","_rev":"dKJQlTYAFWiLLnJ0c0VCeL","_createdAt":"2021-09-30T08:50:46Z","_updatedAt":"2025-08-18T11:06:59Z","_system":{"base":{"id":"775746c0-d70d-4660-9d37-08b9ccc2c92d","rev":"DmK61VtPyEhMsfOjcsZMXo"}},"description":"Affiliate UTM Hargreaves Lansdown ISA","url":"https://hl.7eer.net/c/2384875/890703/1774/","id":"-e9e8faaa-45f0-59ef-a4cf-d4ce4a24da05","children":[],"parent":null},"reviewReference":{"_id":"7ca22c2a-5a22-4997-9cfb-3c0c6ad85a27","_type":"information","_rev":"ReG8cor2CRZQPja7mpsErN","_createdAt":"2021-08-30T10:36:16Z","_updatedAt":"2026-04-02T14:21:16Z","_system":{"base":{"id":"7ca22c2a-5a22-4997-9cfb-3c0c6ad85a27","rev":"ReG8cor2CRZQPja7mprzyO"}},"authors":[{"_key":"e0311996df1a","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"00eff1456ec5","_type":"block","children":[{"_key":"f3e7bbe6b4a3","_type":"span","marks":[],"text":"Written by "},{"_key":"902361b6c17b","_type":"span","marks":["554cc5821090"],"text":"Boring Money"}],"markDefs":[{"_key":"554cc5821090","_type":"internalLinkPick","blank":true,"reference":{"_ref":"d303d967-e483-4761-b7bf-65760d5b1b66","_type":"reference"}}],"style":"normal"}],"body":[{"_key":"31206e019d2b","_type":"block","children":[{"_key":"2c1a6bad33f1","_type":"span","marks":["strong"],"text":"Hargreaves Lansdown is a good choice for UK investors, particularly those with larger portfolios or those wanting comprehensive service. With over 2 million customers and £170bn in assets, it's the UK's largest DIY investment platform. Whilst fees can be higher than competitors (0.35% platform charge on funds), it excels in customer service, investment research, and product range. Best for: experienced investors with £250k+, JISA holders (free), Ready-Made Solutions, and those valuing research and support."}],"markDefs":[],"style":"normal"},{"_key":"d62c0212d69c","_type":"providerHeaderWidget","company":{"_ref":"9c7f704c-4cba-4209-92f9-9f8a5c442695","_type":"reference"}},{"_key":"2672ea29eb5a","_type":"anchorMenuMobile","title":"Menu"},{"_key":"d65cf879a428","_type":"block","children":[{"_key":"99f11940918a","_type":"span","marks":[],"text":""},{"_key":"4ca307326705","_type":"mainAnchor","pageAnchor":{"_ref":"be67f70a-2e31-4e77-9282-6784550f85ce","_type":"reference"}},{"_key":"49163d61ffe2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"84d62df69d82","_type":"ourRatingWidget","company":{"_ref":"9c7f704c-4cba-4209-92f9-9f8a5c442695","_type":"reference"}},{"_key":"e7f47ad69545","_type":"block","children":[{"_key":"a68df96e49ba","_type":"span","marks":[],"text":""},{"_key":"a22de06a35b9","_type":"mainAnchor","pageAnchor":{"_ref":"e17eb14a-5082-4a31-911c-e8cf2665fa72","_type":"reference"}},{"_key":"b9b7dcaf6eb0","_type":"span","marks":[],"text":"Investment expert’s opinion "}],"markDefs":[],"style":"h2"},{"_key":"b251240dcdf8","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money*","photo":{"_type":"mainImage","alt":"Holly","asset":{"_ref":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png","_type":"reference"}},"quote":[{"_key":"0b83c8bfb835","_type":"block","children":[{"_key":"ad2aa43bef67","_type":"span","marks":[],"text":"Hargreaves Lansdown is still by far the largest home for DIY investors in the UK. It's a good service - helpful people on the phones, the app is clear enough to use, and there is a load of investment choice with good research. Recently announced price changes, which are coming from 1 March, will remove many previous niggles about them being too expensive and put them firmly back in the game as a serious consideration for most investors who value support, research, and reliability rather than simply hunting down the lowest charge out there. Being critical, they have stood still for too long; the tech is a bit average, and it's time they did something innovative for customers again to deserve their spot at the top of the pack. But there is an air of change and determination there which I’ve not seen for a while, so I’m optimistic."}],"markDefs":[],"style":"normal"}]},{"_key":"eab994d72772","_type":"block","children":[{"_key":"af8cb8ecc77f","_type":"span","marks":["em"],"text":"*This is the view of investment expert Holly Mackay based on her first-hand customer experience as a test account holder. This does not constitute regulated advice. You can read more about Holly's investments "},{"_key":"12969b8c3c23","_type":"span","marks":["em","43d5515f6c50"],"text":"here"},{"_key":"54bcabd885ed","_type":"span","marks":["em"],"text":"."}],"markDefs":[{"_key":"43d5515f6c50","_type":"internalLinkPick","reference":{"_ref":"6dff6a49-b6ac-46cf-abed-819cb7486e2d","_type":"reference"}}],"style":"small"},{"_key":"c94fb83bf35d","_type":"block","children":[{"_key":"fa58999e020e","_type":"span","marks":[],"text":""},{"_key":"4f958ec219af","_type":"mainAnchor","pageAnchor":{"_ref":"522348ce-ba06-4d6e-9a76-bf943875d0cf","_type":"reference"}},{"_key":"75a569893a0a","_type":"span","marks":[],"text":"Who is Hargreaves Lansdown?"}],"markDefs":[],"style":"h2"},{"_key":"adceab3598df","_type":"block","children":[{"_key":"f1fbeea453aa0","_type":"span","marks":[],"text":"Hargreaves Lansdown is a large, well-established provider with significant scale and longevity in the UK investment market. It was established over 40 years ago in 1981. It has over 2 million customers and more than £170 billion in assets. It was listed on the London Stock Exchange in 2007 and is a constituent of the "},{"_key":"d2582e478897","_type":"span","marks":["36c65d93c08d"],"text":"FTSE"},{"_key":"c924184d643e","_type":"span","marks":[],"text":" 250 index. Hargreaves Lansdown states that its core purpose is to “empower people to save and invest with confidence” and aims to put the customer at the “heart” of its operations."}],"markDefs":[{"_key":"36c65d93c08d","_type":"internalLinkPick","reference":{"_ref":"eeb53cba-3e90-43b0-907d-00d367710a7e","_type":"reference"}}],"style":"normal"},{"_key":"c6db9dcb5200","_type":"textboxWidget","text":[{"_key":"47fb3226d40a","_type":"block","children":[{"_key":"3a75c71565690","_type":"span","marks":["strong"],"text":"Hargreaves Lansdown won the following at Boring Money’s Best Buy Awards in 2025:"}],"markDefs":[],"style":"normal"},{"_key":"d1da50bc70c8","_type":"block","children":[{"_key":"9ca56dc2ce6b","_type":"span","marks":[],"text":"🏆 "},{"_key":"0dd6aabee935","_type":"span","marks":["74e9c989aca4"],"text":"Best Buy ISA "}],"markDefs":[{"_key":"74e9c989aca4","_type":"internalLinkPick","reference":{"_ref":"2ad629d9-20cb-4c7a-baa9-ff52494a3b0d","_type":"reference"}}],"style":"normal"},{"_key":"bbded0c7146c","_type":"block","children":[{"_key":"74c27ebd861e","_type":"span","marks":[],"text":"🏆 "},{"_key":"6a9c3fce3333","_type":"span","marks":["6b03fcf4d47e"],"text":"Best Buy Pension "}],"markDefs":[{"_key":"6b03fcf4d47e","_type":"internalLinkPick","reference":{"_ref":"41b7c255-2a4e-415c-bc4e-74bc27a97f1e","_type":"reference"}}],"style":"normal"},{"_key":"229eca77fee2","_type":"block","children":[{"_key":"0806f728c317","_type":"span","marks":[],"text":"🏆 "},{"_key":"93aaf464f00d","_type":"span","marks":["c6c6e48977d3"],"text":"Best Buy LISA "}],"markDefs":[{"_key":"c6c6e48977d3","_type":"internalLinkPick","reference":{"_ref":"7751737d-084c-4a55-9046-e35ea8792d3c","_type":"reference"}}],"style":"normal"},{"_key":"34a4f64df7ae","_type":"block","children":[{"_key":"13cc5ddc7b1f","_type":"span","marks":[],"text":"🏆 "},{"_key":"d81dcb7c1ed2","_type":"span","marks":["51093c466c38"],"text":"Best Buy JISA"}],"markDefs":[{"_key":"51093c466c38","_type":"internalLinkPick","reference":{"_ref":"e2f37bff-0046-4a63-b28a-4100f5ce38b9","_type":"reference"}}],"style":"normal"},{"_key":"8aa160de71ea","_type":"block","children":[{"_key":"8341f3d12578","_type":"span","marks":[],"text":"🏆 "},{"_key":"b93c6687043b","_type":"span","marks":["abacc032c704"],"text":"Best for Investment Research"}],"markDefs":[{"_key":"abacc032c704","_type":"internalLinkPick","reference":{"_ref":"df3d4346-4cfc-4a90-8bfa-1a9016dcd649","_type":"reference"}}],"style":"normal"},{"_key":"a869c0c69529","_type":"block","children":[{"_key":"b578d21ca6ea","_type":"span","marks":[],"text":"🏆 "},{"_key":"61054e1467e7","_type":"span","marks":["0364e7698fe5"],"text":"Best for Investment Trusts"}],"markDefs":[{"_key":"0364e7698fe5","_type":"internalLinkPick","reference":{"_ref":"9339412f-84fd-40d7-a922-576b8369e6ce","_type":"reference"}}],"style":"normal"},{"_key":"e725c7430506","_type":"block","children":[{"_key":"8393254515b2","_type":"span","marks":[],"text":"🏆 "},{"_key":"7b4bcb1e36be","_type":"span","marks":["8b5619dbee6f"],"text":"Best for Customer Service"}],"markDefs":[{"_key":"8b5619dbee6f","_type":"internalLinkPick","reference":{"_ref":"76a171af-4523-416f-8eb9-6df7272d8c2d","_type":"reference"}}],"style":"normal"},{"_key":"f508de5031ce","_type":"block","children":[{"_key":"ba0e4c3f11c9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"969c54b9ecd5","_type":"block","children":[{"_key":"454dc7ba4a86","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"a40d68deee3a","_type":"block","children":[{"_key":"9feaaa2a7412","_type":"span","marks":[],"text":""},{"_key":"abb3fa740ca2","_type":"mainAnchor","pageAnchor":{"_ref":"cf6f26cf-1a25-40c6-b9bc-7eea852a160b","_type":"reference"}},{"_key":"0a824b40584a","_type":"span","marks":[],"text":"Who is Hargreaves Lansdown good for?"}],"markDefs":[],"style":"h2"},{"_key":"ca85e359575b","_type":"block","children":[{"_key":"bd61269de95d0","_type":"span","marks":[],"text":"Still one of the best all-rounders, but it is pricey compared to peers. Caps on charges make this very compelling for larger accounts that have listed securities. And "},{"_key":"0d2ce3cfd44d","_type":"span","marks":["7ddee3bcabae"],"text":"Junior ISAs"},{"_key":"e19fb984d083","_type":"span","marks":[],"text":" are free. It’s also good for "},{"_key":"1628797ce7f7","_type":"span","marks":["232ff5b412f6"],"text":"Lifetime ISA"},{"_key":"a9e3684025e5","_type":"span","marks":[],"text":" holders. Fees on smaller accounts are not an unreasonable value; however, share dealing fees are on the higher side and the platform charge for fund folders is high."}],"markDefs":[{"_key":"7ddee3bcabae","_type":"internalLinkPick","reference":{"_ref":"10ff81a7-9b4e-4d42-bf3c-c4bec3734358","_type":"reference"}},{"_key":"232ff5b412f6","_type":"internalLinkPick","reference":{"_ref":"f87e514a-5bd1-4a7c-95cd-f1676e520028","_type":"reference"}}],"style":"normal"},{"_key":"c75f3ebd0c98","_type":"block","children":[{"_key":"23d2a0fc8cae","_type":"span","marks":[],"text":""},{"_key":"dfb5d3c6854c","_type":"mainAnchor","pageAnchor":{"_ref":"68a2740c-2fdd-48f2-a439-70e9257fa1dc","_type":"reference"}},{"_key":"f81408ded1da","_type":"span","marks":[],"text":"Pros and cons"}],"markDefs":[],"style":"h2"},{"_key":"93ddf99c94ff","_type":"block","children":[{"_key":"b3c11807b6330","_type":"span","marks":[],"text":"Still not quite sure if Hargreaves Lansdown is right for you? We’ve broken down the main pros and cons of investing with Hargreaves Lansdown in the table below. Take a look for a bird’s eye view of the key takeaways."}],"markDefs":[],"style":"normal"},{"_key":"fd52a414dfcb","_type":"prosConsWidget","cons":["At the higher cost range in most scenarios ","Can feel overwhelming for less experienced investors ","Pretty expensive for larger accounts which hold funds "],"consTitle":"Cons","pros":["Very strong service and educational content ","Largest provider in the market","Fee caps make this great for larger accounts with shares/ listed securities "],"prosTitle":"Pros"},{"_key":"5fbbb12bd683","_type":"block","children":[{"_key":"ade38a619906","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"08b276583d49","_type":"block","children":[{"_key":"a617eb949221","_type":"span","marks":[],"text":""},{"_key":"0b7004e14caf","_type":"mainAnchor","pageAnchor":{"_ref":"9e51cdf7-15a0-4f71-a312-6ed8618ed389","_type":"reference"}},{"_key":"03fe45c66543","_type":"span","marks":[],"text":"Investments"}],"markDefs":[],"style":"h2"},{"_key":"93c4df70f544","_type":"block","children":[{"_key":"37fef6f142a1","_type":"span","marks":[],"text":"Hargreaves Lansdown users can access a range of different investment options, including:"}],"markDefs":[],"style":"normal"},{"_key":"243bd73cd962","_type":"tableControl","rows":[{"_key":"6de690502e3f","_type":"row","cells":[{"_key":"898bfef07457","_type":"cell","cellLink":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"},"tableStyle":"W","value":[{"_key":"f8c82598a578","_type":"block","children":[{"_key":"04d6f5fd75260","_type":"span","marks":[],"text":"Shares "}],"markDefs":[],"style":"normal"}]}]},{"_key":"826312048398","_type":"row","cells":[{"_key":"de46a2c969c3","_type":"cell","cellLink":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"},"tableStyle":"W","value":[{"_key":"8892095465a8","_type":"block","children":[{"_key":"2d3d72f0d3070","_type":"span","marks":[],"text":"Funds "}],"markDefs":[],"style":"normal"}]}]},{"_key":"1d19ae6f204c","_type":"row","cells":[{"_key":"368ec5145586","_type":"cell","cellLink":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"},"tableStyle":"W","value":[{"_key":"ea9c55384d54","_type":"block","children":[{"_key":"2b158ebd9a820","_type":"span","marks":[],"text":"Investment trusts "}],"markDefs":[],"style":"normal"}]}]},{"_key":"6453d61316c7a2a663c2d2ea32db2da5","_type":"row","cells":[{"_key":"368ec5145586","_type":"cell","cellLink":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"},"tableStyle":"W","value":[{"_key":"ea9c55384d54","_type":"block","children":[{"_key":"2b158ebd9a820","_type":"span","marks":[],"text":"ETFs"}],"markDefs":[],"style":"normal"}]}]},{"_key":"7fe1ae8aff91b079f364755413031fd7","_type":"row","cells":[{"_key":"368ec5145586","_type":"cell","tableStyle":"W","value":[{"_key":"189e9a8939ee","_type":"block","children":[{"_key":"96a15025b0220","_type":"span","marks":["8fad593cf322"],"text":"Bonds"}],"markDefs":[{"_key":"8fad593cf322","_type":"internalLinkPick","reference":{"_ref":"583a0e19-d23d-4df3-989f-54c2368f0d41","_type":"reference"}}],"style":"normal"}]}]},{"_key":"ed0942e1662c1c7c6766005bf647a620","_type":"row","cells":[{"_key":"368ec5145586","_type":"cell","tableStyle":"W","value":[{"_key":"bdcb99899d30","_type":"block","children":[{"_key":"f885e49209800","_type":"span","marks":[],"text":"Gilts"}],"markDefs":[],"style":"normal"}]}]},{"_key":"b3bd393465e5af4bf5f82759d0145a9d","_type":"row","cells":[{"_key":"368ec5145586","_type":"cell","cellLink":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"},"tableStyle":"W","value":[{"_key":"b5126e1f395f","_type":"block","children":[{"_key":"35515c5f405d0","_type":"span","marks":[],"text":"Ready-made portfolios "}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"ALL-W","title":"Investments"},{"_key":"0fcc5304f778","_type":"block","children":[{"_key":"2dfdd0573d09","_type":"span","marks":[],"text":""},{"_key":"b0cb31df670c","_type":"mainAnchor","pageAnchor":{"_ref":"605cc8d4-a85e-4d6d-94d8-0c4cbebac403","_type":"reference"}},{"_key":"ee555bc4556d","_type":"span","marks":[],"text":"Accounts"}],"markDefs":[],"style":"h2"},{"_key":"a4eb61548757","_type":"block","children":[{"_key":"5cf62213f9f4","_type":"span","marks":[],"text":"Hargreaves Lansdown offers a range of accounts. The table below shows a breakdown of which ones are available and you can scroll down for more information about Hargreaves Lansdown’s ISA, Pension, LISA and JISA."}],"markDefs":[],"style":"normal"},{"_key":"4790c3383306","_type":"tableControl","rows":[{"_key":"d553eb7e8b7d","_type":"row","cells":[{"_key":"8ba431a4e375","_type":"cell","tableStyle":"DB","value":[{"_key":"9d88145724e8","_type":"block","children":[{"_key":"def9e141d4400","_type":"span","marks":[],"text":"Stocks & Shares ISA"}],"markDefs":[],"style":"normal"}]},{"_key":"83bd6dcb3dcf","_type":"cell","tableStyle":"DB","value":[{"_key":"b8717e35047c","_type":"block","children":[{"_key":"7f6a2335c5830","_type":"span","marks":[],"text":"Pension (SIPP)"}],"markDefs":[],"style":"normal"}]},{"_key":"31128ead34c2","_type":"cell","tableStyle":"DB","value":[{"_key":"cf9f433a4d84","_type":"block","children":[{"_key":"67e6c5b5de370","_type":"span","marks":["strong"],"text":"General Investment Account (GIA)"}],"markDefs":[],"style":"normal"}]},{"_key":"56c70b5820d8","_type":"cell","tableStyle":"DB","value":[{"_key":"40217b6a7243","_type":"block","children":[{"_key":"dbb976f4bf520","_type":"span","marks":[],"text":"Lifetime ISA"}],"markDefs":[],"style":"normal"}]},{"_key":"52494242a1a4","_type":"cell","tableStyle":"DB","value":[{"_key":"c4c25c83a69e","_type":"block","children":[{"_key":"6e973223ccce0","_type":"span","marks":[],"text":"Junior ISA"}],"markDefs":[],"style":"normal"}]}]},{"_key":"b52c4264359e","_type":"row","cells":[{"_key":"e212a9c78685","_type":"cell","tableStyle":"W","value":[{"_key":"5814eee43950","_type":"block","children":[{"_key":"e1994bda8d0b","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"60afa26d9702","_type":"cell","tableStyle":"W","value":[{"_key":"10f4079d6321","_type":"block","children":[{"_key":"1c99017b106c","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"5f50d546601f","_type":"cell","tableStyle":"W","value":[{"_key":"6608a198e7c0","_type":"block","children":[{"_key":"aa0d69c14b6a","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"a262a593642f","_type":"cell","tableStyle":"W","value":[{"_key":"ee93a9a23509","_type":"block","children":[{"_key":"e47178232127","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"f2b9b755e66d","_type":"cell","tableStyle":"W","value":[{"_key":"e9b320187dfb","_type":"block","children":[{"_key":"e107c889e03d","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"Accounts"},{"_key":"230e73d8ccde","_type":"block","children":[{"_key":"7a7f2ce7abfc","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8ca531034a40","_type":"block","children":[{"_key":"a4b77df0cb6f","_type":"span","marks":[],"text":"Hargreaves Lansdown also offers a Junior SIPP for those who want to start investing for retirement on behalf of a child under the age of 18."}],"markDefs":[],"style":"normal"},{"_key":"c99199fb58c2","_type":"block","children":[{"_key":"3b97f2dc728b","_type":"span","marks":[],"text":""},{"_key":"1ca7b574cd5e","_type":"mainAnchor","pageAnchor":{"_ref":"2c997e7d-1bea-4476-9de0-5ed9b0515370","_type":"reference"}},{"_key":"0590d746b742","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2d37ae1e6d32","_type":"textboxWidget","text":[{"_key":"0fae1a711445","_type":"block","children":[{"_key":"f43454bbdb74","_type":"span","marks":[],"text":"Hargreaves Lansdown has a "},{"_key":"0c8cadc8eb76","_type":"span","marks":["8da1cb090b0b"],"text":"Stocks & Shares ISA"},{"_key":"790bac8107c8","_type":"span","marks":[],"text":", where you can invest up to £20,000 every year completely tax-free."}],"markDefs":[{"_key":"8da1cb090b0b","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"2a453cfc46eb","_type":"block","children":[{"_key":"615d9eff6ab70","_type":"span","marks":[],"text":"You can invest in a range of different investment options with a Hargreaves Lansdown ISA, including shares, funds, investment trusts, ETFs, bonds, gilts and even ready-made investments."}],"markDefs":[],"style":"normal"},{"_key":"21bdc33f1a4a","_type":"block","children":[{"_key":"c4321c6762d20","_type":"span","marks":[],"text":"Charges for holding funds start at 0.35% on the first £250k invested, dropping down to 0.25% between £250k and £1m. This is quite expensive. Holding fees for shares, Exchange Traded Funds (ETFs), investment trusts, bonds, gilts, and Venture Capital Trusts (VCTs) are also 0.35% but there is an annual fee cap of £150."}],"markDefs":[],"style":"normal"},{"_key":"04dab8d9dc1d","_type":"block","children":[{"_key":"c7d2617ad4d80","_type":"span","marks":[],"text":"Whilst relatively pricey, HL continue to be popular in the market, down to factors like good content, ease of use, and functionality. You can set up an ISA with a £100 initial lump sum or £25 regular monthly installments."}],"markDefs":[],"style":"normal"},{"_key":"0a737235f524","_type":"block","children":[{"_key":"7082313fa932","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Hargreaves Lansdown ISA review"},{"_key":"a6959db67359","_type":"block","children":[{"_key":"83450bfa8c31","_type":"span","marks":[],"text":""},{"_key":"00b1e5a33a47","_type":"mainAnchor","pageAnchor":{"_ref":"ff57f94f-5ad4-4b79-b2cb-f15cbcbe2361","_type":"reference"}},{"_key":"bbcb0433f43c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6d1aff2871f3","_type":"textboxWidget","text":[{"_key":"a010d6fe06ef","_type":"block","children":[{"_key":"3e54335ce6d3","_type":"span","marks":[],"text":"Hargreaves Lansdown offers a"},{"_key":"1cb564a200be","_type":"span","marks":["b6f6cf0a5b7a"],"text":" pension"},{"_key":"ef5ef9ff9830","_type":"span","marks":[],"text":" (SIPP), where you can invest up to £60,000 every tax year to put towards your retirement savings."}],"markDefs":[{"_key":"b6f6cf0a5b7a","_type":"internalLinkPick","reference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"}}],"style":"normal"},{"_key":"00be73b16561","_type":"block","children":[{"_key":"aaf625337c620","_type":"span","marks":[],"text":"As with the Stocks & Shares ISA, Hargreaves Lansdown SIPP users can choose to invest for their retirement with a range of investments, including shares, funds, investment trusts, ETFs, bonds, gilts and ready-made investments."}],"markDefs":[],"style":"normal"},{"_key":"7bbc4720c2a1","_type":"block","children":[{"_key":"25e08fa7787f","_type":"span","marks":[],"text":"You can also opt to invest in Hargreaves Lansdown’s Ready-Made Pension Plan, which derisks your investment as you grow older, automatically moving you from a portfolio with a higher share allocation in your younger years towards a theoretically less volatile, safer investment as you approach retirement age. HL’s ready-made options offer a simple, hands-free route that may appeal to some investors."}],"markDefs":[],"style":"normal"},{"_key":"a0784cbb0020","_type":"block","children":[{"_key":"af4e480773e3","_type":"span","marks":[],"text":"There is an account charge of 0.15% and a fund charge of 0.30% (0.45% in total). It's free to buy and free to sell."}],"markDefs":[],"style":"normal"},{"_key":"a01286926678","_type":"block","children":[{"_key":"4fc8cda8d30a","_type":"span","marks":[],"text":"There are no upfront fees and charges are taken monthly from your SIPP."}],"markDefs":[],"style":"normal"},{"_key":"0e016ca96aab","_type":"block","children":[{"_key":"360f484b03750","_type":"span","marks":[],"text":"There are no charges for entering into drawdown, transferring your plan, or taking out lump sums after retirement age."}],"markDefs":[],"style":"normal"},{"_key":"9eacdd78538b","_type":"block","children":[{"_key":"44497b37e169","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7dd3eb00bde3","_type":"block","children":[{"_key":"0442513d7298","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Hargreaves Lansdown Pension review"},{"_key":"8681dcd5aa3d","_type":"block","children":[{"_key":"f4bcdfbb7553","_type":"span","marks":[],"text":""},{"_key":"958badde7bb1","_type":"mainAnchor","pageAnchor":{"_ref":"64bb480b-2fe7-47e8-a7c8-2a42c44d19f8","_type":"reference"}},{"_key":"e8374bf4787e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d9410a7945d2","_type":"textboxWidget","text":[{"_key":"2abb05ce8a0a","_type":"block","children":[{"_key":"f0d3efbd900e","_type":"span","marks":[],"text":"Hargreaves Lansdown offers a Stocks & Shares "},{"_key":"29ace796d305","_type":"span","marks":["ff8faeee6b84"],"text":"Lifetime ISA"},{"_key":"9015e02533b8","_type":"span","marks":[],"text":", where you can invest up to £4,000 every tax year and benefit from a 25% government top-up."}],"markDefs":[{"_key":"ff8faeee6b84","_type":"internalLinkPick","reference":{"_ref":"f87e514a-5bd1-4a7c-95cd-f1676e520028","_type":"reference"}}],"style":"normal"},{"_key":"f28f107c06d0","_type":"block","children":[{"_key":"741f42304607","_type":"span","marks":[],"text":"As with all LISAs, there are limitations on how you can withdraw your savings – it must either be to buy your first home or to save for your retirement. Make sure to read our full "},{"_key":"5d6ef5041e5b","_type":"span","marks":["48419dd61263"],"text":"LISA guide"},{"_key":"c6730f63aadb","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"48419dd61263","_type":"internalLinkPick","reference":{"_ref":"f87e514a-5bd1-4a7c-95cd-f1676e520028","_type":"reference"}}],"style":"normal"},{"_key":"91d90fb22c8d","_type":"block","children":[{"_key":"b19c8d8e33b60","_type":"span","marks":[],"text":"You can open a Hargreaves Lansdown LISA with a £100 initial lump sum or £25 regular monthly installments."}],"markDefs":[],"style":"normal"},{"_key":"167746efb67f","_type":"block","children":[{"_key":"92ee63bd2449","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"}],"title":"Hargreaves Lansdown LISA review"},{"_key":"79ea3628e56d","_type":"block","children":[{"_key":"2da2dd44276c","_type":"span","marks":[],"text":""},{"_key":"8c88399f152e","_type":"mainAnchor","pageAnchor":{"_ref":"ee27d09d-a3cd-4792-9e2a-c3c517b2e0b2","_type":"reference"}},{"_key":"4248ff4d1967","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a0b345810fd2","_type":"textboxWidget","text":[{"_key":"39d0b591ba1b","_type":"block","children":[{"_key":"83f84237eb81","_type":"span","marks":[],"text":"Hargreaves Lansdown has a "},{"_key":"f4137cbee9bb","_type":"span","marks":["1ea80123d681"],"text":"Stocks & Shares Junior ISA"},{"_key":"54d4dad2cf29","_type":"span","marks":[],"text":", where you can invest up to £9,000 every tax year on behalf of your children or grandchildren."}],"markDefs":[{"_key":"1ea80123d681","_type":"internalLinkPick","reference":{"_ref":"d5b77d3e-daa0-4a42-ba55-c68b5fce8fff","_type":"reference"}}],"style":"normal"},{"_key":"7bd838695165","_type":"block","children":[{"_key":"b883b963d9f70","_type":"span","marks":[],"text":"HL charge no fees for its JISA offering, with zero holding and dealing charges making the JISA completely free. This makes it a no-brainer for those looking to open up an account for their little one."}],"markDefs":[],"style":"normal"},{"_key":"d65c397eb626","_type":"block","children":[{"_key":"efd592a769710","_type":"span","marks":[],"text":"Remember, you will still need to pay management fees for the actual investment product as these are charged by the third-party asset manager, however depending on what kind of investment you pick, these could be as low as 0.10%."}],"markDefs":[],"style":"normal"},{"_key":"ce9ef5c751e3","_type":"block","children":[{"_key":"d10a86d03dd1","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"}],"title":"Hargreaves Lansdown JISA review"},{"_key":"070c9b47235a","_type":"block","children":[{"_key":"7f823b20c5fb","_type":"span","marks":[],"text":""},{"_key":"4172b80a4f80","_type":"mainAnchor","pageAnchor":{"_ref":"4e980c11-5605-4480-b5cf-9ef6d1970af0","_type":"reference"}},{"_key":"9159488031bb","_type":"span","marks":[],"text":"Fees and charges"}],"markDefs":[],"style":"h2"},{"_key":"be658a598dfe","_type":"block","children":[{"_key":"bb90f9013b8d0","_type":"span","marks":[],"text":"The cost of investing with Hargreaves Lansdown differs depending on which type of account you have, your invested amount, and the nature and number of transactions you make. The tables below illustrate how the different charges work."}],"markDefs":[],"style":"normal"},{"_key":"9b1840bc994e","_type":"block","children":[{"_key":"bd063b3f0522","_type":"span","marks":[],"text":"Hargreaves Lansdown ISA and Personal Pension (SIPP) fees"}],"markDefs":[],"style":"h4"},{"_key":"bccc28cb9994","_type":"tableControl","rows":[{"_key":"968390005207","_type":"row","cells":[{"_key":"c5189c184ac9","_type":"cell","tableStyle":"DB","value":[{"_key":"e9326b5beddd","_type":"block","children":[{"_key":"6e2bbbefeb2e","_type":"span","marks":[],"text":"Type"}],"markDefs":[],"style":"normal"}]},{"_key":"94ce69eb1e94","_type":"cell","tableStyle":"DB","value":[{"_key":"67f77c0f784f","_type":"block","children":[{"_key":"2a25c0115d4b","_type":"span","marks":[],"text":"Platform Charge Amount*"}],"markDefs":[],"style":"normal"}]},{"_key":"754850c34c97","_type":"cell","tableStyle":"DB","value":[{"_key":"9b57de09fef5","_type":"block","children":[{"_key":"bfdd2b16240a","_type":"span","marks":[],"text":"Dealing Charge Amount*"}],"markDefs":[],"style":"normal"}]}]},{"_key":"97a19c75e3d0","_type":"row","cells":[{"_key":"b3acd0ed5604","_type":"cell","tableStyle":"W","value":[{"_key":"37d08fed5bd2","_type":"block","children":[{"_key":"2dd51fff7998","_type":"span","marks":[],"text":"Funds"}],"markDefs":[],"style":"normal"}]},{"_key":"051209bdcd0f","_type":"cell","tableStyle":"W","value":[{"_key":"01fa2f9e39c3","_type":"block","children":[{"_key":"8691fb58bed70","_type":"span","marks":[],"text":"£0 - £250k: 0.35%\n£250k - £1m: 0.25%\n£1m - £2m: 0.10%\n"}],"markDefs":[],"style":"normal"}]},{"_key":"0102b835c4ed","_type":"cell","tableStyle":"W","value":[{"_key":"5f8431769894","_type":"block","children":[{"_key":"ccfe0129c775","_type":"span","marks":[],"text":"FREE"}],"markDefs":[],"style":"normal"}]}]},{"_key":"1fb95bdd290f","_type":"row","cells":[{"_key":"8e6e53e45b77","_type":"cell","tableStyle":"W","value":[{"_key":"beec84191ed5","_type":"block","children":[{"_key":"0c9339d080d6","_type":"span","marks":[],"text":"Shares"}],"markDefs":[],"style":"normal"}]},{"_key":"9b1facaa6b49","_type":"cell","tableStyle":"W","value":[{"_key":"907e0ba72cda","_type":"block","children":[{"_key":"aa8082746c0b0","_type":"span","marks":[],"text":"0.35%\nMax annual ISA fee: £150\nMax annual SIPP fee: £150"}],"markDefs":[],"style":"normal"},{"_key":"4fd374fd4421","_type":"block","children":[{"_key":"c9a7a85c0c5b0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"1b428a66bd72","_type":"cell","tableStyle":"W","value":[{"_key":"c81974760a7a","_type":"block","children":[{"_key":"f30c817fb08f","_type":"span","marks":[],"text":"£6.95"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"Fees"},{"_key":"99a46efc8396","_type":"block","children":[{"_key":"44d35e7c1da0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"078c2e0370b0","_type":"block","children":[{"_key":"9af2ab1e4622","_type":"span","marks":[],"text":"*A fund platform charge refers to fees charged for holding an investment in funds on the platform. A fund dealing charge refers to the cost of buying or selling a fund. "}],"markDefs":[],"style":"normal"},{"_key":"3d59c589c81f","_type":"block","children":[{"_key":"8ed900a52b52","_type":"span","marks":[],"text":"*A share platform charge refers to fees charged for holding an investment in listed securities (e.g. shares, ETFs, bonds). A share dealing charge refers to the the cost of buying or selling a listed security. The share dealing charge will vary depending on the amount of trades made in the previous month. "}],"markDefs":[],"style":"normal"},{"_key":"9d0ecc927897","_type":"block","children":[{"_key":"d73e16ee3bec","_type":"span","marks":[],"text":"Hargreaves Lansdown LISA fees"}],"markDefs":[],"style":"h4"},{"_key":"2079147f8c18","_type":"block","children":[{"_key":"880f8ba027790","_type":"span","marks":[],"text":"The platform charge drops from 0.35% to 0.25% for LISAs. The other charges all remain the same."}],"markDefs":[],"style":"normal"},{"_key":"03f7842e6396","_type":"block","children":[{"_key":"136d01ec3070","_type":"span","marks":[],"text":"Hargreaves Lansdown JISA fees"}],"markDefs":[],"style":"h4"},{"_key":"7b2943bcffb4","_type":"block","children":[{"_key":"86be029a78b00","_type":"span","marks":[],"text":"There are no charges for a Hargreaves Lansdown JISA. Both platform charges and dealing charges are completely free."}],"markDefs":[],"style":"normal"},{"_key":"911612ea0fb5","_type":"calcBlock","dashboardId":"D72D5613-C65B-4D0E-BDF7-5944DE7C5188","defaultWrapper":"ISA","introPara":{"_ref":"2b148783-9a10-400d-abc8-d48e9be3a0e2","_type":"reference"},"title":"See how much it would cost you","wrapperOptions":["ISA","PENSION","LISA","JISA"],"wrapperText":{"_ref":"f5bad97e-9068-4825-b17b-46c23a87f53e","_type":"reference"}},{"_key":"d2ca00303e62","_type":"block","children":[{"_key":"bcca54fa7224","_type":"span","marks":[],"text":""},{"_key":"e12a9ec1c21e","_type":"mainAnchor","pageAnchor":{"_ref":"9a9a5fd8-03e4-41c0-8bb9-96205fa99fa0","_type":"reference"}},{"_key":"e1869cdb7067","_type":"span","marks":[],"text":"Customer reviews"}],"markDefs":[],"style":"h2"},{"_key":"1c091d8d5393","_type":"block","children":[{"_key":"8bfa7f1702cb0","_type":"span","marks":[],"text":"Hargreaves Lansdown customers generally think that the website and app is “easy to use” and there is frequent mention of its good customer service, communication, choice of products, and information. However, some more negative reviews are critical of Hargreaves Lansdown’s “higher” and more complex fees and its lack of transparency over the Woodford scandal."}],"markDefs":[],"style":"normal"},{"_key":"8a557a2e5c3e","_type":"yourRatingWidget","company":{"_ref":"5dea75a9-467b-4fc5-a1bb-1b5007297b52","_type":"reference"}},{"LeftSideText":[{"_key":"af83af4a837d","_type":"block","children":[{"_key":"3ec73b59c4cd","_type":"span","marks":["strong"],"text":"Your opinion matters!"}],"markDefs":[],"style":"normal"},{"_key":"cb525d3d1967","_type":"block","children":[{"_key":"107168d05712","_type":"span","marks":[],"text":"Leave a review for Hargreaves Lansdown "}],"markDefs":[],"style":"normal"}],"_key":"ff9311ae39fb","_type":"companyReviewWidget","buttonText":"RATE PROVIDER","company":{"_ref":"9c7f704c-4cba-4209-92f9-9f8a5c442695","_type":"reference"}},{"_key":"0a2829b83fc9","_type":"block","children":[{"_key":"777bc98560c8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"af12ae4436b2","_type":"providerReviewsWidget","company":{"_ref":"9c7f704c-4cba-4209-92f9-9f8a5c442695","_type":"reference"},"companyReviewPageReference":{"_ref":"3effa6a0-56a0-4d8a-92e9-d91acdb74695","_type":"reference"}},{"_key":"fc31ceb772a4","_type":"block","children":[{"_key":"d31cedfb3a09","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e3383edbbb66","_type":"block","children":[{"_key":"a139b53d8266","_type":"span","marks":[],"text":""},{"_key":"d43b8b7426fa","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"4c0140787df6","_type":"span","marks":[],"text":"Most asked questions"}],"markDefs":[],"style":"h2"},{"_key":"b8be42c9ee7e","_type":"block","children":[{"_key":"6cd5a6bf02aa","_type":"span","marks":[],"text":""},{"_key":"a9e264e20346","_type":"mainAnchor","pageAnchor":{"_ref":"d1046785-69e9-496b-ad81-606ac5827160","_type":"reference"}},{"_key":"5d1c18b8c64d","_type":"span","marks":[],"text":" Is Hargreaves Lansdown safe?"}],"markDefs":[],"style":"h3"},{"_key":"f28c01d58e05","_type":"block","children":[{"_key":"ea42307c2d0d0","_type":"span","marks":[],"text":"Cash savings with Hargreaves Lansdown are covered by the UK government’s Financial Services Compensation Scheme (FSCS), which guarantees reimbursement up to the value of £120,000 per person in the event that Hargreaves Lansdown fails. Any amount above this threshold is unlikely to be covered. Investments with Hargreaves Lansdown, on the other hand, are not guaranteed - by their nature, investments can and will go up and down in value."}],"markDefs":[],"style":"normal"},{"_key":"a647d0488487","_type":"block","children":[{"_key":"0ad00f7a8185","_type":"span","marks":[],"text":""},{"_key":"785f20fec7f0","_type":"mainAnchor","pageAnchor":{"_ref":"565edaa6-ad24-4e23-9720-11938d4dd074","_type":"reference"}},{"_key":"503b8ba70eeb","_type":"span","marks":[],"text":"Who owns Hargreaves Lansdown?"}],"markDefs":[],"style":"h3"},{"_key":"95bdd4eacd93","_type":"block","children":[{"_key":"ba845b266def0","_type":"span","marks":[],"text":"Hargreaves Lansdown was co-founded by Peter Hargreaves and Stephen Lansdown in 1981. It’s now owned by CVC Capital Partners, Nordic Capital, and Platinum Ivy."}],"markDefs":[],"style":"normal"},{"_key":"c2c94c0062a2","_type":"block","children":[{"_key":"f973e1799484","_type":"span","marks":[],"text":""},{"_key":"cbf421f3e12c","_type":"mainAnchor","pageAnchor":{"_ref":"e97b4e63-6dbd-4a2e-b41c-60249c87f6a8","_type":"reference"}},{"_key":"5eaa85ee7187","_type":"span","marks":[],"text":"Can you buy bonds on Hargreaves Lansdown?"}],"markDefs":[],"style":"h3"},{"_key":"74b3a9ceedb9","_type":"block","children":[{"_key":"bb2405d095380","_type":"span","marks":[],"text":"Yes, you can buy bonds directly on Hargreaves Lansdown. However, most bonds, gilts and Permanent Interest Bearing Shares (PIBS) can only be dealt with over the phone – for which Hargreaves Lansdown has a phone dealing charge of 1% (£20 minimum, £50 maximum). Some bonds can be dealt online though and are charged at Hargreaves Lansdown’s normal share dealing rates."}],"markDefs":[],"style":"normal"},{"_key":"0bb0ec0ead26","_type":"block","children":[{"_key":"f35de0253a0b","_type":"span","marks":[],"text":""},{"_key":"71e790c7febb","_type":"mainAnchor","pageAnchor":{"_ref":"7f5c1f88-3511-4db3-929b-11f3da44a8af","_type":"reference"}},{"_key":"6f336edc3dea0","_type":"span","marks":[],"text":"Do Hargreaves Lansdown charge to sell shares?"}],"markDefs":[],"style":"h3"},{"_key":"7fbbd665db79","_type":"block","children":[{"_key":"078dae139e500","_type":"span","marks":[],"text":"Yes, Hargreaves Lansdown has share dealing charges which you have to pay when you sell UK and overseas shares*, investment trusts, ETFs, gilts and bonds."}],"markDefs":[],"style":"normal"},{"_key":"a67b8e1d62d7","_type":"block","children":[{"_key":"719a887b988f0","_type":"span","marks":[],"text":"The charges are broken down into tiers depending on how many deals you have completed in the previous month:"}],"markDefs":[],"style":"normal"},{"_key":"d400b465069d","_type":"block","children":[{"_key":"8d45038ff920","_type":"span","marks":[],"text":""},{"_key":"9d05f17cd58f","_type":"mainAnchor","pageAnchor":{"_ref":"23dc9289-34e8-495e-93b1-030a87dd5e52","_type":"reference"}},{"_key":"550a57a0c749","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"06383c5cd10d","_type":"tableControl","rows":[{"_key":"5cb100a5de86","_type":"row","cells":[{"_key":"cd7facb89814","_type":"cell","tableStyle":"DB","value":[{"_key":"56a55736a5b8","_type":"block","children":[{"_key":"d287b4b5fd760","_type":"span","marks":[],"text":"Deals in previous month"}],"markDefs":[],"style":"normal"}]},{"_key":"cb47c9311177","_type":"cell","tableStyle":"DB","value":[{"_key":"14648d26f3c1","_type":"block","children":[{"_key":"2f0b43608ded0","_type":"span","marks":[],"text":"Share dealing charge"}],"markDefs":[],"style":"normal"}]}]},{"_key":"51e1e0aef0b4","_type":"row","cells":[{"_key":"fe02b743c529","_type":"cell","tableStyle":"W","value":[{"_key":"064e93339829","_type":"block","children":[{"_key":"1f2a2d028f9b0","_type":"span","marks":[],"text":"0-9"}],"markDefs":[],"style":"normal"}]},{"_key":"ee877ad27dc9","_type":"cell","tableStyle":"W","value":[{"_key":"d11eefda056f","_type":"block","children":[{"_key":"50bfc175f2730","_type":"span","marks":[],"text":"£11.95"}],"markDefs":[],"style":"normal"}]}]},{"_key":"da40f3424b5ac0b4b3a03b2bd290fb91","_type":"row","cells":[{"_key":"fe02b743c529","_type":"cell","tableStyle":"W","value":[{"_key":"064e93339829","_type":"block","children":[{"_key":"1f2a2d028f9b0","_type":"span","marks":[],"text":"10-19"}],"markDefs":[],"style":"normal"}]},{"_key":"ee877ad27dc9","_type":"cell","tableStyle":"W","value":[{"_key":"d11eefda056f","_type":"block","children":[{"_key":"50bfc175f2730","_type":"span","marks":[],"text":"£8.95"}],"markDefs":[],"style":"normal"}]}]},{"_key":"34fd18c3bf0745b6fc38d746a22d7852","_type":"row","cells":[{"_key":"fe02b743c529","_type":"cell","tableStyle":"W","value":[{"_key":"064e93339829","_type":"block","children":[{"_key":"1f2a2d028f9b0","_type":"span","marks":[],"text":"20+"}],"markDefs":[],"style":"normal"}]},{"_key":"ee877ad27dc9","_type":"cell","tableStyle":"W","value":[{"_key":"d11eefda056f","_type":"block","children":[{"_key":"50bfc175f2730","_type":"span","marks":[],"text":"£5.95"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"Share charges"},{"_key":"8b329b07771f","_type":"block","children":[{"_key":"b72b3f2c64ad0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c88255274425","_type":"block","children":[{"_key":"afbda488eb87","_type":"span","marks":[],"text":"There are no charges for online dealing with a Hargreaves Lansdown JISA. "}],"markDefs":[],"style":"normal"},{"_key":"4825a20fff16","_type":"block","children":[{"_key":"63866cbeccb40","_type":"span","marks":[],"text":"You can read more about share dealing on Hargreaves Lansdown "},{"_key":"6718adb0f3b0","_type":"span","marks":["c61f4922744a"],"text":"here"},{"_key":"5c9d600971d0","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"c61f4922744a","_type":"internalLinkPick","reference":{"_ref":"818c005d-811c-45c5-9a0b-592315203a50","_type":"reference"}}],"style":"normal"},{"_key":"2a820e1a5f89","_type":"block","children":[{"_key":"60e642b87edd","_type":"span","marks":[],"text":""},{"_key":"112804bebb71","_type":"mainAnchor","pageAnchor":{"_ref":"c006d558-0cdf-4015-ae60-607b0c46a2e7","_type":"reference"}},{"_key":"d839ab100e73","_type":"span","marks":[],"text":"Do Hargreaves Lansdown charge exit fees?"}],"markDefs":[],"style":"h3"},{"_key":"21e0d1dfa5ed","_type":"block","children":[{"_key":"a290d65e0ff40","_type":"span","marks":[],"text":"Hargreaves Lansdown do not charge exit fees if you close your account or transfer your funds to another provider."}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"99849950bf93","_type":"block","children":[{"_key":"86d2a69ba001","_type":"span","marks":["strong"],"text":"Visit the Hargreaves Lansdown's website for more information"}],"markDefs":[],"style":"normal"}],"_key":"6d5196f9d2c7","_type":"ctaWidget","openNewTab":true,"partner":true,"reference":{"_ref":"775746c0-d70d-4660-9d37-08b9ccc2c92d","_type":"reference"},"text":"VISIT SITE "},{"_key":"31a889c96808","_type":"block","children":[{"_key":"5266a397cb55","_type":"span","marks":[],"text":""},{"_key":"efed765b096d","_type":"mainAnchor","pageAnchor":{"_ref":"08f91d37-f8e6-4d45-bf2f-c8d9fb950e62","_type":"reference"}},{"_key":"44c284e4aa87","_type":"span","marks":[],"text":"Glossary"}],"markDefs":[],"style":"h2"},{"LeftSideText":[{"_key":"fee6100bb3ec","_type":"block","children":[{"_key":"e8efc3d7ce4a","_type":"span","marks":["strong"],"text":"Not 100% sure you understand something we’ve written in this review? "}],"markDefs":[],"style":"normal"},{"_key":"9acb1a0520ad","_type":"block","children":[{"_key":"1b19a24ae829","_type":"span","marks":[],"text":"Discover jargon-free definitions of the most common words and technical terms used in the world of investing."}],"markDefs":[],"style":"normal"}],"_key":"797dda2c8bea","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"5d7b7a10-93b8-4e8e-b898-eeb81f7bb976","_type":"reference"},"text":"CLICK HERE"},{"_key":"0a1f580168e9","_type":"block","children":[{"_key":"bf2676b588cc","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3ce205101f11","_type":"textboxWidget","text":[{"_key":"5897c9c5c6d6","_type":"block","children":[{"_key":"e44f5c9ca72f","_type":"span","marks":[],"text":"Historically, money invested for more than five years grows more than cash savings. Remember that investments can also fall, so you might not get all of your money back. Tax treatment depends on individual circumstances and may change."}],"markDefs":[],"style":"normal"}],"title":"Information: "},{"_key":"274490ed1e87","_type":"block","children":[{"_key":"68409047a8eb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"brazeCustomAttributes":[{"_key":"809818a41e9f","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_ProviderPage","customAttributeValue":"https://www.boringmoney.co.uk/isas-pensions/hargreaves-lansdown/"}],"brazeSubscriptionGroupId":"6ff8b394-c40b-4cb3-9396-e41096e561af","brazeSubscriptionRef":null,"categories":[{"_key":"60c4fd6cddda","_ref":"2845ba64-de47-4336-abc9-216ccbb41a52","_type":"reference"}],"company":{"_ref":"9c7f704c-4cba-4209-92f9-9f8a5c442695","_type":"reference"},"emailSignupWidgetButtonText":"READ FULL REVIEW","emailSignupWidgetImage":{"_type":"mainImage","alt":"Gated content"},"emailSignupWidgetParagraphText":"Boring Money conducts rigorous, year-round testing on Hargreaves Lansdown using our live account. Get total access to our research-backed views, information on costs, charges and more.","enableGatedContent":false,"excerpt":[{"_key":"1d2775d65afb","_type":"block","children":[{"_key":"ae5d664f4708","_type":"span","marks":[],"text":"Still one of the best providers out there, this platform is easy to navigate, has a good app and service levels have improved since some pandemic problems. Trouble is they are pricey. And for larger accounts holding funds, some will question if the undoubtedly great platform is worth it."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"51e19be20a78","_type":"providerHeaderWidget","company":{"_ref":"9c7f704c-4cba-4209-92f9-9f8a5c442695","_type":"reference"}},{"_key":"3bd6f84dff77","_type":"block","children":[{"_key":"12420149c225","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9050b19607b4","_type":"ourRatingWidget","company":{"_ref":"9c7f704c-4cba-4209-92f9-9f8a5c442695","_type":"reference"}},{"_key":"eb068c9715e3","_type":"block","children":[{"_key":"384c13b802f90","_type":"span","marks":[],"text":"Is Hargreaves Lansdown Worth the Premium? A Deep Dive Analysis"}],"markDefs":[],"style":"h1"},{"_key":"afe0231f6394","_type":"block","children":[{"_key":"f52c2ea2f7590","_type":"span","marks":[],"text":"Are you overpaying for your investment platform? With Hargreaves Lansdown charging up to 0.45% for fund holdings, many investors could question whether the premium pricing is justified. Our analysis reveals surprising insights about the UK's largest investment platform and who actually benefits most from their services."}],"markDefs":[],"style":"normal"},{"_key":"f4a988f1c21b","_type":"block","children":[{"_key":"f34b0a3998890","_type":"span","marks":[],"text":"While Hargreaves Lansdown boasts an impressive 1.8 million customers and £140 billion in assets, the platform's higher fees have sparked debate among cost-conscious investors. However, our research shows that focusing purely on fees misses crucial aspects of the investment platform decision."}],"markDefs":[],"style":"normal"},{"_key":"c0a7fcfdd219","_type":"block","children":[{"_key":"d98395e2d7390","_type":"span","marks":[],"text":"The Hidden Value Proposition"}],"markDefs":[],"style":"h2"},{"_key":"e83932a3da32","_type":"block","children":[{"_key":"97957b41353e0","_type":"span","marks":[],"text":"Recent data shows that 86% of Hargreaves Lansdown customers would recommend the platform, based on over 3,000 independent reviews. This high satisfaction rate hints at benefits that may outweigh pure cost considerations."}],"markDefs":[],"style":"normal"},{"_key":"e4e393a82aa9","_type":"block","children":[{"_key":"e4b9f74e604a0","_type":"span","marks":[],"text":"What you'll learn in this analysis:"}],"markDefs":[],"style":"normal"},{"_key":"d4713e2d90bb","_type":"textboxWidget","text":[{"_key":"1fb3beca62ac","_type":"block","children":[{"_key":"724ff3cb47f1","_type":"span","marks":[],"text":"The specific account types and portfolio sizes where Hargreaves Lansdown offers superior value"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"2532ae8966b4","_type":"block","children":[{"_key":"513e1daf20da","_type":"span","marks":[],"text":"Strategic ways to minimize fees while maximizing platform benefits"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7cdafc42bb85","_type":"block","children":[{"_key":"8634be542e48","_type":"span","marks":[],"text":"Expert insights on when premium features justify higher costs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"1f605a77e929","_type":"block","children":[{"_key":"df1bdc7c63b10","_type":"span","marks":[],"text":"Premium Platform or Expensive Middleman?"}],"markDefs":[],"style":"h2"},{"_key":"a787e9cb5401","_type":"block","children":[{"_key":"3affe15d8bca0","_type":"span","marks":[],"text":"For investors seeking to optimize their returns, platform costs can significantly impact long-term performance. Our analysis of Hargreaves Lansdown's fee structure reveals an interesting pattern: while their fund charges appear high at first glance..."}],"markDefs":[],"style":"normal"},{"_key":"bf47b63ccc00","_type":"block","children":[{"_key":"cbb775a21a600","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5bb85d1dcf7f","_type":"block","children":[{"_key":"f1063988777a0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"hideTitle":false,"linkMenu":[{"_key":"79188dd8de7d","_ref":"664c2664-13bd-4350-80f3-b70a2e7dcd94","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":"hargreaves","asset":{"_ref":"image-7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150-svg","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"0a17d839-5a72-40f2-9de0-10a1def2ce22","_type":"reference"},"publishedAt":"2026-03-02T15:19:14.211Z","slug":{"_type":"slug","current":"hargreaves-lansdown"},"subfolder":{"_ref":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"reference"},"subtitle":"Independent review by Boring Money ","template":"C-SB","textNextToKey":"Join thousands of informed investors making smarter platform decisions.","title":"Is Hargreaves Lansdown good for investing? ","widgets":[{"_key":"0aeb0dc8231d","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"},{"_key":"8704c0b24aa5","_ref":"3fefd2ec-9177-427c-9149-529cd1417d24","_type":"reference"}],"id":"-76ff6d67-dc1e-5482-97dd-22c7dbe64021","children":[],"parent":null},"showBBTable":true,"visibleReadMoreText":[{"_key":"0e4a559a8615","_type":"block","children":[{"_key":"4838fe491f11","_type":"span","marks":[],"text":"Hargreaves Lansdown is the biggest most established platform in the UK and it’s very good to use. Service is strong and the phone support pretty faultless. It will confuse the less confident and the charges are undeniably steep. They are the Waitrose of investment providers – if you are busy and value peace of mind and excellence above the lowest charges available, it’s a good option."}],"markDefs":[],"style":"normal"}],"wouldRecommendRating":87.07,"yourRating":"8","id":"-e38b6366-a132-55e7-a66e-9f3c2a363dbc","children":[],"parent":null},"emailSignupWidgetButtonText":"READ FULL REVIEW","emailSignupWidgetImage":{"_type":"mainImage","alt":"Gated content"},"emailSignupWidgetParagraphText":"Boring Money conducts rigorous, year-round testing on Hargreaves Lansdown using our live account. Get total access to our research-backed views, information on costs, charges and more.","enableGatedContent":false,"excerpt":[{"_key":"1d2775d65afb","_type":"block","children":[{"_key":"ae5d664f4708","_type":"span","marks":[],"text":"Still one of the best providers out there, this platform is easy to navigate, has a good app and service levels have improved since some pandemic problems. Trouble is they are pricey. And for larger accounts holding funds, some will question if the undoubtedly great platform is worth it."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"51e19be20a78","_type":"providerHeaderWidget","company":{"_id":"9c7f704c-4cba-4209-92f9-9f8a5c442695","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4cN","_createdAt":"2021-09-22T15:39:59Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"9c7f704c-4cba-4209-92f9-9f8a5c442695","rev":"0FvTSp1yYRm2ugsQpaKWkC"}},"bestBuyAward":{"_ref":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"reference"},"bestBuyAwardVisible":{"_ref":"b0e152d6-2c69-4b10-8fba-28572e0ec00f","_type":"reference"},"bestBuyType":"ISA","companyBBCats":["DIY"],"companyDisplayName":"Hargreaves Lansdown","companyLogo":{"_type":"mainImage","alt":"Hargreaves Lansdown ","asset":{"_ref":"image-7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150-svg","_type":"reference"}},"companyName":"ISA Hargreaves Lansdown ","comparisonCriteria":[{"_key":"94d9833f402a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"1fc39ddba2aa","_type":"block","children":[{"_key":"9203881de898","_type":"span","marks":[],"text":"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, Junior ISAs, ISAs, pensions and cash, these guys know their stuff."}],"markDefs":[],"style":"normal"}]},{"_key":"6ca3474818f0","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"0cd38f9074a2","_type":"block","children":[{"_key":"eb2c746afd6f","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"6865b1bab503","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"ca155be63d46","_type":"block","children":[{"_key":"c69d3ffd1647","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"920e39f4fee9","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"2ef1adb8210b","_type":"block","children":[{"_key":"cc9e1ed05f58","_type":"span","marks":[],"text":"Funds: 0.45% (for the first £250,000)"}],"markDefs":[],"style":"normal"},{"_key":"7791cc18cb85","_type":"block","children":[{"_key":"5d55502d67c3","_type":"span","marks":[],"text":"Shares: 0.45% (max £45 per year) "}],"markDefs":[],"style":"normal"}]},{"_key":"2965dd6034ae","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"ff036449dd37","_type":"block","children":[{"_key":"d3742788c30f","_type":"span","marks":[],"text":"Funds: free"}],"markDefs":[],"style":"normal"},{"_key":"1ef382df1e5e","_type":"block","children":[{"_key":"cfcac64d8ae3","_type":"span","marks":[],"text":"Shares: £11.95 (for trading less than 9*units) "}],"markDefs":[],"style":"normal"},{"_key":"bb14bdad577f","_type":"block","children":[{"_key":"6dafbde0923d","_type":"span","marks":[],"text":"* deals in previous month"}],"markDefs":[],"style":"normal"}]},{"_key":"10eada4c9d27","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"c61dbf0b4e17","_type":"block","children":[{"_key":"1e719ee4c932","_type":"span","marks":[],"text":"1% (for the first 5k)"}],"markDefs":[],"style":"normal"}]},{"_key":"6d281e2ea3b2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"18a3144b9c4c","_type":"block","children":[{"_key":"fe96f81e2cf8","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8496d1585767","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"ccebb27726ff","_type":"block","children":[{"_key":"55473baeab90","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"0631bda285c3","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"631ac7b7096a","_type":"block","children":[{"_key":"c5c9dfaefdc6","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"61e632ccf4be","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"bc512f510c42","_type":"block","children":[{"_key":"049a2aa42bf8","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"f6831c15cd93","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"2fcfe4d2d6a8","_type":"block","children":[{"_key":"8f79a6078ccb","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"74072fdaae7a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"89aa0b6ca86f","_type":"block","children":[{"_key":"16e214603fe0","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"d01b536ada2c","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"7846ef54b53b","_type":"block","children":[{"_key":"9218647a7984","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"1187715226f5","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"051a67c2c5bb","_type":"block","children":[{"_key":"c913bdd7e384","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"D72D5613-C65B-4D0E-BDF7-5944DE7C5188","hasOffer":false,"inANutshell":["Excellent service","Established company","Very strong service and educational content "],"inANutshellVisible":["Biggest platform in the UK","Excellent research options","On the pricey side"],"mostPopularRank":6,"noOfReviews":"3910","offerText":"Add £10k+ to a new HL Stocks & Shares ISA and get a £150 John Lewis e-voucher","ourRating":"9","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"775746c0-d70d-4660-9d37-08b9ccc2c92d","_type":"reference"},"reviewReference":{"_ref":"7ca22c2a-5a22-4997-9cfb-3c0c6ad85a27","_type":"reference"},"showBBTable":true,"visibleReadMoreText":[{"_key":"0e4a559a8615","_type":"block","children":[{"_key":"4838fe491f11","_type":"span","marks":[],"text":"Hargreaves Lansdown is the biggest most established platform in the UK and it’s very good to use. Service is strong and the phone support pretty faultless. It will confuse the less confident and the charges are undeniably steep. They are the Waitrose of investment providers – if you are busy and value peace of mind and excellence above the lowest charges available, it’s a good option."}],"markDefs":[],"style":"normal"}],"wouldRecommendRating":87.07,"yourRating":"8","id":"-e38b6366-a132-55e7-a66e-9f3c2a363dbc","children":[],"parent":null}},{"_key":"3bd6f84dff77","_type":"block","children":[{"_key":"12420149c225","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9050b19607b4","_type":"ourRatingWidget","company":{"_id":"9c7f704c-4cba-4209-92f9-9f8a5c442695","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4cN","_createdAt":"2021-09-22T15:39:59Z","_updatedAt":"2026-02-17T00:01:18Z","_system":{"base":{"id":"9c7f704c-4cba-4209-92f9-9f8a5c442695","rev":"0FvTSp1yYRm2ugsQpaKWkC"}},"bestBuyAward":{"_ref":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"reference"},"bestBuyAwardVisible":{"_ref":"b0e152d6-2c69-4b10-8fba-28572e0ec00f","_type":"reference"},"bestBuyType":"ISA","companyBBCats":["DIY"],"companyDisplayName":"Hargreaves Lansdown","companyLogo":{"_type":"mainImage","alt":"Hargreaves Lansdown ","asset":{"_ref":"image-7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150-svg","_type":"reference"}},"companyName":"ISA Hargreaves Lansdown ","comparisonCriteria":[{"_key":"94d9833f402a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"1fc39ddba2aa","_type":"block","children":[{"_key":"9203881de898","_type":"span","marks":[],"text":"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, Junior ISAs, ISAs, pensions and cash, these guys know their stuff."}],"markDefs":[],"style":"normal"}]},{"_key":"6ca3474818f0","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"0cd38f9074a2","_type":"block","children":[{"_key":"eb2c746afd6f","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"6865b1bab503","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"ca155be63d46","_type":"block","children":[{"_key":"c69d3ffd1647","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"920e39f4fee9","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"2ef1adb8210b","_type":"block","children":[{"_key":"cc9e1ed05f58","_type":"span","marks":[],"text":"Funds: 0.45% (for the first £250,000)"}],"markDefs":[],"style":"normal"},{"_key":"7791cc18cb85","_type":"block","children":[{"_key":"5d55502d67c3","_type":"span","marks":[],"text":"Shares: 0.45% (max £45 per year) "}],"markDefs":[],"style":"normal"}]},{"_key":"2965dd6034ae","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"ff036449dd37","_type":"block","children":[{"_key":"d3742788c30f","_type":"span","marks":[],"text":"Funds: free"}],"markDefs":[],"style":"normal"},{"_key":"1ef382df1e5e","_type":"block","children":[{"_key":"cfcac64d8ae3","_type":"span","marks":[],"text":"Shares: £11.95 (for trading less than 9*units) "}],"markDefs":[],"style":"normal"},{"_key":"bb14bdad577f","_type":"block","children":[{"_key":"6dafbde0923d","_type":"span","marks":[],"text":"* deals in previous month"}],"markDefs":[],"style":"normal"}]},{"_key":"10eada4c9d27","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"c61dbf0b4e17","_type":"block","children":[{"_key":"1e719ee4c932","_type":"span","marks":[],"text":"1% (for the first 5k)"}],"markDefs":[],"style":"normal"}]},{"_key":"6d281e2ea3b2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"18a3144b9c4c","_type":"block","children":[{"_key":"fe96f81e2cf8","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8496d1585767","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"ccebb27726ff","_type":"block","children":[{"_key":"55473baeab90","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"0631bda285c3","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"631ac7b7096a","_type":"block","children":[{"_key":"c5c9dfaefdc6","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"61e632ccf4be","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"bc512f510c42","_type":"block","children":[{"_key":"049a2aa42bf8","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"f6831c15cd93","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"2fcfe4d2d6a8","_type":"block","children":[{"_key":"8f79a6078ccb","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"74072fdaae7a","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"89aa0b6ca86f","_type":"block","children":[{"_key":"16e214603fe0","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"d01b536ada2c","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"7846ef54b53b","_type":"block","children":[{"_key":"9218647a7984","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"1187715226f5","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"051a67c2c5bb","_type":"block","children":[{"_key":"c913bdd7e384","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"D72D5613-C65B-4D0E-BDF7-5944DE7C5188","hasOffer":false,"inANutshell":["Excellent service","Established company","Very strong service and educational content "],"inANutshellVisible":["Biggest platform in the UK","Excellent research options","On the pricey side"],"mostPopularRank":6,"noOfReviews":"3910","offerText":"Add £10k+ to a new HL Stocks & Shares ISA and get a £150 John Lewis e-voucher","ourRating":"9","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"775746c0-d70d-4660-9d37-08b9ccc2c92d","_type":"reference"},"reviewReference":{"_ref":"7ca22c2a-5a22-4997-9cfb-3c0c6ad85a27","_type":"reference"},"showBBTable":true,"visibleReadMoreText":[{"_key":"0e4a559a8615","_type":"block","children":[{"_key":"4838fe491f11","_type":"span","marks":[],"text":"Hargreaves Lansdown is the biggest most established platform in the UK and it’s very good to use. Service is strong and the phone support pretty faultless. It will confuse the less confident and the charges are undeniably steep. They are the Waitrose of investment providers – if you are busy and value peace of mind and excellence above the lowest charges available, it’s a good option."}],"markDefs":[],"style":"normal"}],"wouldRecommendRating":87.07,"yourRating":"8","id":"-e38b6366-a132-55e7-a66e-9f3c2a363dbc","children":[],"parent":null}},{"_key":"eb068c9715e3","_type":"block","children":[{"_key":"384c13b802f90","_type":"span","marks":[],"text":"Is Hargreaves Lansdown Worth the Premium? A Deep Dive Analysis"}],"markDefs":[],"style":"h1"},{"_key":"afe0231f6394","_type":"block","children":[{"_key":"f52c2ea2f7590","_type":"span","marks":[],"text":"Are you overpaying for your investment platform? With Hargreaves Lansdown charging up to 0.45% for fund holdings, many investors could question whether the premium pricing is justified. Our analysis reveals surprising insights about the UK's largest investment platform and who actually benefits most from their services."}],"markDefs":[],"style":"normal"},{"_key":"f4a988f1c21b","_type":"block","children":[{"_key":"f34b0a3998890","_type":"span","marks":[],"text":"While Hargreaves Lansdown boasts an impressive 1.8 million customers and £140 billion in assets, the platform's higher fees have sparked debate among cost-conscious investors. However, our research shows that focusing purely on fees misses crucial aspects of the investment platform decision."}],"markDefs":[],"style":"normal"},{"_key":"c0a7fcfdd219","_type":"block","children":[{"_key":"d98395e2d7390","_type":"span","marks":[],"text":"The Hidden Value Proposition"}],"markDefs":[],"style":"h2"},{"_key":"e83932a3da32","_type":"block","children":[{"_key":"97957b41353e0","_type":"span","marks":[],"text":"Recent data shows that 86% of Hargreaves Lansdown customers would recommend the platform, based on over 3,000 independent reviews. This high satisfaction rate hints at benefits that may outweigh pure cost considerations."}],"markDefs":[],"style":"normal"},{"_key":"e4e393a82aa9","_type":"block","children":[{"_key":"e4b9f74e604a0","_type":"span","marks":[],"text":"What you'll learn in this analysis:"}],"markDefs":[],"style":"normal"},{"_key":"d4713e2d90bb","_type":"textboxWidget","text":[{"_key":"1fb3beca62ac","_type":"block","children":[{"_key":"724ff3cb47f1","_type":"span","marks":[],"text":"The specific account types and portfolio sizes where Hargreaves Lansdown offers superior value"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"2532ae8966b4","_type":"block","children":[{"_key":"513e1daf20da","_type":"span","marks":[],"text":"Strategic ways to minimize fees while maximizing platform benefits"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7cdafc42bb85","_type":"block","children":[{"_key":"8634be542e48","_type":"span","marks":[],"text":"Expert insights on when premium features justify higher costs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"1f605a77e929","_type":"block","children":[{"_key":"df1bdc7c63b10","_type":"span","marks":[],"text":"Premium Platform or Expensive Middleman?"}],"markDefs":[],"style":"h2"},{"_key":"a787e9cb5401","_type":"block","children":[{"_key":"3affe15d8bca0","_type":"span","marks":[],"text":"For investors seeking to optimize their returns, platform costs can significantly impact long-term performance. Our analysis of Hargreaves Lansdown's fee structure reveals an interesting pattern: while their fund charges appear high at first glance..."}],"markDefs":[],"style":"normal"},{"_key":"bf47b63ccc00","_type":"block","children":[{"_key":"cbb775a21a600","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5bb85d1dcf7f","_type":"block","children":[{"_key":"f1063988777a0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"hideTitle":false,"linkMenu":[{"_id":"664c2664-13bd-4350-80f3-b70a2e7dcd94","_type":"pageAnchorMenu","_rev":"vTsO8WmrZrWdylpkP3zTTD","_createdAt":"2024-01-05T14:55:24Z","_updatedAt":"2024-01-15T12:25:07Z","menuLinksTop":[{"_key":"02cdada8f974","_type":"pageAnchorMenuTop","reference":{"_ref":"9ea52ac4-3bb8-4fe4-b8ea-2c2a5e9004cf","_type":"reference"},"text":"Boring Money's rating"},{"_key":"f2aaacd04f07","_type":"pageAnchorMenuTop","reference":{"_ref":"e17eb14a-5082-4a31-911c-e8cf2665fa72","_type":"reference"},"text":"Investment expert's opinion"},{"_key":"7e71e2ff529b","_type":"pageAnchorMenuTop","reference":{"_ref":"522348ce-ba06-4d6e-9a76-bf943875d0cf","_type":"reference"},"text":"Who is Hargreaves Lansdown?"},{"_key":"51932ef7d45f","_type":"pageAnchorMenuTop","reference":{"_ref":"cf6f26cf-1a25-40c6-b9bc-7eea852a160b","_type":"reference"},"text":"Who is Hargreaves Lansdown good for?"},{"_key":"228ebd8d4a41","_type":"pageAnchorMenuTop","reference":{"_ref":"68a2740c-2fdd-48f2-a439-70e9257fa1dc","_type":"reference"},"text":"Pros and cons"},{"_key":"d93eeb53148a","_type":"pageAnchorMenuTop","reference":{"_ref":"9e51cdf7-15a0-4f71-a312-6ed8618ed389","_type":"reference"},"text":"Investments"},{"_key":"4ecd777294d6","_type":"pageAnchorMenuTop","menuChildLinks":[{"_key":"21249e30db38","_type":"pageAnchorMenuChild","reference":{"_ref":"2c997e7d-1bea-4476-9de0-5ed9b0515370","_type":"reference"},"text":"ISA"},{"_key":"72f616844e11","_type":"pageAnchorMenuChild","reference":{"_ref":"ff57f94f-5ad4-4b79-b2cb-f15cbcbe2361","_type":"reference"},"text":"Pension"},{"_key":"294954af4755","_type":"pageAnchorMenuChild","reference":{"_ref":"64bb480b-2fe7-47e8-a7c8-2a42c44d19f8","_type":"reference"},"text":"LISA"},{"_key":"91804121ef0d","_type":"pageAnchorMenuChild","reference":{"_ref":"ee27d09d-a3cd-4792-9e2a-c3c517b2e0b2","_type":"reference"},"text":"JISA"}],"reference":{"_ref":"605cc8d4-a85e-4d6d-94d8-0c4cbebac403","_type":"reference"},"text":"Accounts"},{"_key":"0714d085963b","_type":"pageAnchorMenuTop","reference":{"_ref":"4e980c11-5605-4480-b5cf-9ef6d1970af0","_type":"reference"},"text":"Fees and charges"},{"_key":"1f4af0346b6c","_type":"pageAnchorMenuTop","reference":{"_ref":"9a9a5fd8-03e4-41c0-8bb9-96205fa99fa0","_type":"reference"},"text":"Customer reviews"},{"_key":"d67481701025","_type":"pageAnchorMenuTop","menuChildLinks":[{"_key":"96058d7aa1fa","_type":"pageAnchorMenuChild","reference":{"_ref":"d1046785-69e9-496b-ad81-606ac5827160","_type":"reference"},"text":"Is Hargreaves Lansdown safe?"},{"_key":"d0ce2c567cdf","_type":"pageAnchorMenuChild","reference":{"_ref":"565edaa6-ad24-4e23-9720-11938d4dd074","_type":"reference"},"text":"Who owns Hargreaves Lansdown?"},{"_key":"36cc27baf532","_type":"pageAnchorMenuChild","reference":{"_ref":"e97b4e63-6dbd-4a2e-b41c-60249c87f6a8","_type":"reference"},"text":"Can you buy bonds on Hargreaves Lansdown?"},{"_key":"45e8cb8365a1","_type":"pageAnchorMenuChild","reference":{"_ref":"7f5c1f88-3511-4db3-929b-11f3da44a8af","_type":"reference"},"text":"Do Hargreaves Lansdown charge to sell shares?"},{"_key":"ca176660fb1d","_type":"pageAnchorMenuChild","reference":{"_ref":"c006d558-0cdf-4015-ae60-607b0c46a2e7","_type":"reference"},"text":"Do Hargreaves Lansdown charge exit fees?"}],"reference":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"},"text":"Most asked questions"},{"_key":"7055c61643f7","_type":"pageAnchorMenuTop","reference":{"_ref":"08f91d37-f8e6-4d45-bf2f-c8d9fb950e62","_type":"reference"},"text":"Glossary"}],"menuTitle":"In this review","pageRef":"Hargreaves Lansdown review","id":"-c5b56f8a-399c-59b3-a1fa-4f64ac5f79a1","children":[],"parent":null}],"mainImage":{"_type":"mainImage","alt":"hargreaves","asset":{"_id":"image-7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150-svg","_type":"sanity.imageAsset","_rev":"DmK61VtPyEhMsfOjcsa0P9","_createdAt":"2022-03-15T09:25:31Z","_updatedAt":"2022-03-15T09:25:31Z","assetId":"7a3173ceb0eaab5047bf5d4827073dfd0bce36ec","extension":"svg","metadata":{"_type":"sanity.imageMetadata","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1,"height":150,"width":150},"hasAlpha":true,"isOpaque":true,"lqip":"data:image/jpeg;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#32414f","foreground":"#fff","population":0.15,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#040434","foreground":"#fff","population":0.01,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#c1ccdd","foreground":"#000","population":0.7,"title":"#000"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#c1ccdd","foreground":"#000","population":0.7,"title":"#000"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#e4f2fa","foreground":"#000","population":0.5,"title":"#000"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#6574a6","foreground":"#fff","population":0.03,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#1212ec","foreground":"#fff","population":0,"title":"#fff"}}},"mimeType":"image/svg+xml","originalFilename":"Hargreaves Lansdown.svg","path":"images/k8qzcdw3/prod1503/7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150.svg","sha1hash":"4d028b2eba30e01dfbae5b4900cae476202a1052","size":50994,"uploadId":"B5WqVl5ywWi08bt3kXOBJDmPGO3NP5sE","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150.svg","filename":"Hargreaves Lansdown.svg","width":150,"height":150,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150.svg?rect=25,0,100,150&w=%width%&h=%height%&q=80","id":"image-7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150-svg","children":[],"parent":null},"blankAltTag":true},"pageBreadcrumb":{"_id":"0a17d839-5a72-40f2-9de0-10a1def2ce22","_type":"breadcrumbCategory","_rev":"XOsF7krdtE4Qnys87x3uLL","_createdAt":"2024-01-05T14:11:51Z","_updatedAt":"2025-02-12T09:52:39Z","breadcrumbList":[{"_key":"3d0c467817b4","_type":"breadcrumbReference","linkReference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"title":"Compare Providers"},{"_key":"ea1eff19f316","_type":"breadcrumbReference","linkReference":{"_ref":"6e1f16ab-e016-4f0e-829b-f3a0cb03fe76","_type":"reference"},"title":"Independent Provider Reviews"},{"_key":"de9fe1885351","_type":"breadcrumbReference","linkReference":{"_ref":"7ca22c2a-5a22-4997-9cfb-3c0c6ad85a27","_type":"reference"},"title":"Hargreaves Lansdown"}],"breadcrumbName":"Hargreaves  Provider Review","id":"-151567a0-1147-5089-91e3-8045c3c5eef8","children":[],"parent":null},"publishedAt":"2026-03-02T15:19:14.211Z","slug":{"_type":"slug","current":"hargreaves-lansdown"},"subfolder":{"_id":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"folderCategory","_rev":"cQD0A3OGksV3pY6pYH47mV","_createdAt":"2021-06-14T19:24:49Z","_updatedAt":"2023-02-15T16:24:35Z","folder":"/isas-pensions/","id":"-f5695f01-adc9-59c8-91c1-c9304ad10ae9","children":[],"parent":null},"subtitle":"Independent review by Boring Money ","template":"C-SB","textNextToKey":"Join thousands of informed investors making smarter platform decisions.","title":"Is Hargreaves Lansdown good for investing? ","widgets":[{"_id":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"widgetCategory","_rev":"6AfP3xqI2sTk1rcr1kqY3C","_createdAt":"2023-10-19T15:43:42Z","_updatedAt":"2024-07-03T09:31:20Z","body":[{"_key":"63e5f12073a5","_type":"block","children":[{"_key":"d5d397dd4cdf","_type":"span","marks":[],"text":"Join our Research Panel"}],"markDefs":[],"style":"h4"},{"_key":"9d6941374f0a","_type":"block","children":[{"_key":"1867bfe56a21","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19a818c5c3ad","_type":"block","children":[{"_key":"9a839e0551030","_type":"span","marks":[],"text":"Join thousands of people earning cash or rewards for giving their honest feedback. Click here to become a member of the Boring Money Research Panel today!"}],"markDefs":[],"style":"normal"},{"_key":"67e84088f0cd","_type":"block","children":[{"_key":"696b7993b062","_type":"span","marks":["strong"],"text":"Click here to get started!"}],"markDefs":[],"style":"normal"}],"linkReference":{"_id":"04249739-c1d1-4d9d-83eb-cd744f57ff49","_type":"landingPage","_rev":"6GQVMObKpWvjCX4LMv16E8","_createdAt":"2022-10-17T14:37:39Z","_updatedAt":"2025-05-13T16:31:52Z","content":[{"_key":"74e7fd3abf29","_type":"breadcrumb","breadcrumbs":[{"_key":"760b0d086b58","_type":"breadcrumbReference","linkReference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"title":"Home"},{"_key":"51053ad53a6c","_type":"breadcrumbReference","linkReference":{"_ref":"04249739-c1d1-4d9d-83eb-cd744f57ff49","_type":"reference"},"title":"Join our Research Panel"}]},{"_key":"a2a6be9a8635","_type":"heroSection","alignment":"Text Right","brazeCustomAttributes":[{"_key":"67f0ea99eda3","_type":"brazeCustomAttribute","customAttributeKey":"Army_Registered","customAttributeValue":"true"}],"introPara":[{"_key":"2c329b713300","_type":"block","children":[{"_key":"0c24a9062019","_type":"span","marks":[],"text":"Join our Research Panel"}],"markDefs":[],"style":"h1"},{"_key":"672b6cabc1a4","_type":"block","children":[{"_key":"0616bdbc497e0","_type":"span","marks":[],"text":"Our aim is to make the world of finance more transparent and clearer to understand. To do that, we need "},{"_key":"3302b649ba84","_type":"span","marks":["em"],"text":"you "},{"_key":"bc3dd484ce7f","_type":"span","marks":[],"text":"to try things out, share your opinions, and tell us what you like. Join now, share your views and earn money in the process!"}],"markDefs":[],"style":"normal"},{"_key":"ba6596789058","_type":"dataCaptureForm","brazeCustomAttributes":[{"_key":"107edd26f870","_type":"brazeCustomAttribute","customAttributeKey":"Army_Registered","customAttributeValue":"TRUE"}],"dataCaptureInputs":[{"_key":"b6963c60830a","_type":"dataCaptureInputItem","inputFieldLabel":"Join now","inputFieldPlaceholderText":"Enter your email","inputFieldType":"Email","requiredField":true}],"linkText":"START REGISTRATION","signupRedirectLink":"/boring-money-army-new-member-survey/"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-0257851b48d343eb46fdd3cf8352218cbf8351dc-3840x2160-png","_type":"reference"}},"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"showEmailCapture":false,"styles":"Half-Padding-White","thankYouText":[{"_key":"bf44527c5651","_type":"block","children":[{"_key":"aada7930f5a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h2"}],"title":"We're on a mission!"},{"_key":"ae17bd7c3627ee07d8e89dc0d604cb72","_type":"heroSection","alignment":"Text Left","introPara":[{"_key":"68e164de91c1","_type":"block","children":[{"_key":"8cdb10a201db","_type":"span","marks":[],"text":"Our financial investment projects are conducted periodically throughout the year. Panel members are selected based on project needs, and compensation is provided at market rates."}],"markDefs":[],"style":"normal"},{"_key":"59c83fb1810c","_type":"block","children":[{"_key":"5d5676314fe1","_type":"span","marks":[],"text":"Selection for surveys depends on the information provided in your onboarding survey, including details about your investment holdings, personal circumstances, and the specific research requirements.\n\nAdditionally, we periodically host competitions. Keep an eye out for updates, as we value community input during such events."}],"markDefs":[],"style":"normal"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-1c8144ee166236b51b9e465cfb7d7823600ffb7e-1920x1080-gif","_type":"reference"}},"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"showEmailCapture":false,"styles":"Half-Padding-White","thankYouText":[{"_key":"bf44527c5651","_type":"block","children":[{"_key":"aada7930f5a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h2"}],"title":"4 steps"},{"_key":"d4cb2e98d7e9","_type":"heroSection","alignment":"Text Left","introPara":[{"_key":"757beedbcf67","_type":"block","children":[{"_key":"0cb001c1c24f","_type":"span","marks":[],"text":"As a member of our Research Panel, you will:"}],"markDefs":[],"style":"h2"},{"_key":"a0f14a78f8ae","_type":"block","children":[{"_key":"0d7ac368fd9c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ea4be68eb6ff","_type":"block","children":[{"_key":"362c1304b243","_type":"span","marks":["strong"],"text":"- Participate in surveys and interviews of varying length and time commitments to suit you"}],"markDefs":[],"style":"normal"},{"_key":"8db92efdf5fc","_type":"block","children":[{"_key":"469a26997f0f","_type":"span","marks":["strong"],"text":"- Earn market research rates for your input"}],"markDefs":[],"style":"normal"},{"_key":"d9af5dab90aa","_type":"block","children":[{"_key":"f3988462b788","_type":"span","marks":["strong"],"text":"- Help us to help financial providers do better!"}],"markDefs":[],"style":"normal"},{"_key":"b01ee0ca0d5f","_type":"block","children":[{"_key":"19542cae94a5","_type":"span","marks":["em"],"text":"*We will not share your data with any third-party organisations. Boring Money research is all carried out in line with the Market Research Society’s Code of Conduct and the General Data Protection Regulation (GDPR)."}],"markDefs":[],"style":"small"}],"mainImage":{"_type":"mainImage","alt":"Join our research panel ","asset":{"_ref":"image-cb073362bd966c54fb865f9842900bdf044c16ff-997x574-png","_type":"reference"}},"reference":{"_ref":"04249739-c1d1-4d9d-83eb-cd744f57ff49","_type":"reference"},"styles":"Half-Padding-White","title":"Join our research panel"}],"publishedAt":"2022-10-17T14:22:47.096Z","slug":{"_type":"slug","current":"the-boring-money-army-wants-you"},"subfolder":{"_ref":"83495465-d1dd-4049-a955-b065009036e6","_type":"reference"},"subtitle":"Help our financially confused nation and make a few quid","theme":"Boring Money theme","title":"Join the Boring Money Research Panel","id":"-9872e0f5-bb4e-52ef-8be4-56cb16b4cdc5","children":[],"parent":null},"mainImage":{"_type":"mainImage","asset":{"_ref":"image-0257851b48d343eb46fdd3cf8352218cbf8351dc-3840x2160-png","_type":"reference"}},"title":"Join our research panel","widgetType":{"_id":"669510d5-9577-4ce3-b9f5-17a73b44c59d","_type":"widgetTypes","_rev":"DsHc46whJxIpNrcPyQeVGy","_createdAt":"2021-07-02T13:00:28Z","_updatedAt":"2021-07-02T13:00:28Z","title":"Image + text + link","id":"-cddbfca0-b9a5-5835-a5d3-c98208b12cdc","children":[],"parent":null},"id":"-f501c2f7-ff3e-5ac8-88b4-f5c5c30b9a2c","children":[],"parent":null},{"_id":"3fefd2ec-9177-427c-9149-529cd1417d24","_type":"widgetCategory","_rev":"mfgO8PbcFSLaqMaA8BmipS","_createdAt":"2021-07-28T08:56:55Z","_updatedAt":"2025-06-16T08:47:26Z","body":[{"_key":"2aa5b2aacbc9","_type":"block","children":[{"_key":"3ac8ab79e172","_type":"span","marks":[],"text":"Contact us"}],"markDefs":[],"style":"h4"},{"_key":"50da6f7a4168","_type":"block","children":[{"_key":"cbe5b44e78be","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f821331dc4dc","_type":"block","children":[{"_key":"c64105ad8f5c","_type":"span","marks":[],"text":"Have a question about money that we haven't answered? Need help making better money choices? "}],"markDefs":[],"style":"normal"},{"_key":"bd66c471e51a","_type":"block","children":[{"_key":"13924af1445a","_type":"span","marks":["strong"],"text":"Click here to contact our team."}],"markDefs":[],"style":"normal"}],"linkReference":{"_id":"789ad7dd-f1a8-4606-9075-20ecba5e0f6b","_type":"linkCategory","_rev":"lplVYZfWM6SeENm14p7rgN","_createdAt":"2022-10-11T10:42:09Z","_updatedAt":"2024-02-22T11:34:37Z","url":"mailto:community@boringmoney.co.uk","id":"-4036ead5-27b9-53f8-b172-b2a01e27899a","children":[],"parent":null},"mainImage":{"_type":"mainImage","alt":"Contact us","asset":{"_ref":"image-e9a1e7125646cbb15c91c1ff25e6372e00bcd890-1920x1080-png","_type":"reference"}},"title":"Contact us","widgetType":{"_id":"669510d5-9577-4ce3-b9f5-17a73b44c59d","_type":"widgetTypes","_rev":"DsHc46whJxIpNrcPyQeVGy","_createdAt":"2021-07-02T13:00:28Z","_updatedAt":"2021-07-02T13:00:28Z","title":"Image + text + link","id":"-cddbfca0-b9a5-5835-a5d3-c98208b12cdc","children":[],"parent":null},"id":"-3372d7ad-076b-59de-ab05-cb9c3fdeaef7","children":[],"parent":null}],"id":"-76ff6d67-dc1e-5482-97dd-22c7dbe64021","children":[],"parent":null},"showBBTable":true,"visibleReadMoreText":[{"_key":"0e4a559a8615","_type":"block","children":[{"_key":"4838fe491f11","_type":"span","marks":[],"text":"Hargreaves Lansdown is the biggest most established platform in the UK and it’s very good to use. Service is strong and the phone support pretty faultless. It will confuse the less confident and the charges are undeniably steep. They are the Waitrose of investment providers – if you are busy and value peace of mind and excellence above the lowest charges available, it’s a good option."}],"markDefs":[],"style":"normal"}],"wouldRecommendRating":87.07,"yourRating":"8","id":"-e38b6366-a132-55e7-a66e-9f3c2a363dbc","children":[],"parent":null}]},{"_key":"050010ab5c85","_type":"block","children":[{"_key":"118e38e33d50","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f68a8056f3c3","_type":"blockQuote","adviserName":"Boring Money","jobTitle":"Tester and Analyst","quote":[{"_key":"13331c8a77e7","_type":"block","children":[{"_key":"7fd6a6188c25","_type":"span","marks":[],"text":"Impressed overall. Strong across most areas - navigation, guidance, tools all work well. The calculators are particularly comprehensive."}],"markDefs":[],"style":"normal"}]},{"_key":"1b9b1362cabe","_type":"block","children":[{"_key":"3496e5bf57f9","_type":"span","marks":[],"text":"interactive investor"}],"markDefs":[],"style":"h3"},{"_key":"4d808ab1a64d","_type":"prosConsWidget","prosTitle":"Best for: Research tools for experienced investors"},{"_key":"360a99c0a5f2","_type":"recProviders","companies":[{"_id":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4gZ","_createdAt":"2021-09-22T15:41:45Z","_updatedAt":"2026-02-17T00:01:25Z","_system":{"base":{"id":"74d5a1e5-87ac-4f50-a28f-a13923a64829","rev":"YjNvQx4tqfWKwO39Egsu3J"}},"bestBuyAward":{"_id":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"bestBuyAward","_rev":"0FvTSp1yYRm2ugsQpTGUfg","_createdAt":"2026-01-28T13:58:18Z","_updatedAt":"2026-01-28T15:22:02Z","_system":{"base":{"id":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","rev":"XeGAzLHcGDR0dnJYGdNqKN"}},"bestBuyCompareTableLogo":{"_type":"image","asset":{"_id":"image-007140428d612ce1b60906f9b595c70495cc175b-620x136-png","_type":"sanity.imageAsset","_rev":"ofM7EIDfnwHVEh3rYtkz66","_createdAt":"2022-03-15T09:25:25Z","_updatedAt":"2022-03-15T09:25:25Z","assetId":"007140428d612ce1b60906f9b595c70495cc175b","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"DNP}kupe0:IvE4~UtlI[jYoI","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":4.5588235294117645,"height":136,"width":620},"hasAlpha":true,"isOpaque":false,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#52472f","foreground":"#fff","population":1.94,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#cc960e","foreground":"#000","population":2.45,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#da9811","foreground":"#000","population":14.3,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#8e6d0a","foreground":"#fff","population":0,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f6d87f","foreground":"#000","population":3.21,"title":"#000"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#415189","foreground":"#fff","population":0.04,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#da9811","foreground":"#000","population":14.3,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"best buy pension award.png","path":"images/k8qzcdw3/prod1503/007140428d612ce1b60906f9b595c70495cc175b-620x136.png","sha1hash":"007140428d612ce1b60906f9b595c70495cc175b","size":56862,"uploadId":"Z9Z9DaHcIX0lcYQMmmE7dL8kVsbCoRL4","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/007140428d612ce1b60906f9b595c70495cc175b-620x136.png","filename":"best buy pension award.png","width":620,"height":136,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/007140428d612ce1b60906f9b595c70495cc175b-620x136.png?rect=265,0,91,136&w=%width%&h=%height%&q=80","id":"image-007140428d612ce1b60906f9b595c70495cc175b-620x136-png","children":[],"parent":null}},"informationPage":{"_id":"fc994c15-ecef-47c1-8b6b-3f316df1f542","_type":"linkCategory","_rev":"b73D4EYENYUMU6VfEhlVZi","_createdAt":"2026-01-28T14:12:12Z","_updatedAt":"2026-01-28T14:12:25Z","description":"Best ISA 2026","url":"https://www.boringmoney.co.uk/boring-money-awards/who-is-best-stocks-and-shares-isa-provider-for-2026/","id":"-a6043f43-8502-53ed-a7bc-dbf4cc3e4ead","children":[],"parent":null},"name":"Best Buy ISA 2026","providerPageLogo":{"_type":"image","asset":{"_id":"image-5153835585a1a06339ad0537a54dfafadd68dc20-3201x3200-png","_type":"sanity.imageAsset","_rev":"0FvTSp1yYRm2ugsQpTFBhQ","_createdAt":"2026-01-28T15:20:24Z","_updatedAt":"2026-01-28T15:20:24Z","assetId":"5153835585a1a06339ad0537a54dfafadd68dc20","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"eDN,e@xH00ix00?Fj[D*WBx]4TkV00IoXpBQaf=ft7In00xuDoR*~q","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.0003125,"height":3200,"width":3201},"hasAlpha":true,"isOpaque":false,"lqip":"data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABQAAAAUCAYAAACNiR0NAAAACXBIWXMAAC4jAAAuIwF4pT92AAAFLElEQVR4nHWVyU9bVxTGnU2q/A10202UdhNV6i5SFyhSFKmbbLqoGqlKh6CWqFFIQpsK4iRQkhAIFpMJNgZP2BhsA54gzARiwmQDtt+z8YTxBJ6f8XvvfpVJGtKqvZu7Oee7597z3d8RCN4tCASnxloufhSw3ahIbIkqs37V/VxwxJb2G0OHPn0xSWmKUWdfOPymZcI7XSvc1H9TuSD5ssKhPnsaEJwS/GudWnjyxZn10W8/jaw+q8qGxjSl1LqTZYLRYmaXyeyv8OnIMl84cDGF5EYsSeud/tdPtS7Lz1XLykvnyrnlgj4Q+/jMivrS+cBCnTAdGLUXkmtpJuVm2WKSPyokyOHeaxzuLeMoHyfFTJBP7L7k4vRoOuqU2b3Td4Tbuq/PL6ivnClrCRx/nD29LP7s3M74d8L4ttxZTG0zTMrLZ6LrpJgKEzZ7gHycQj5Jg2VSYFJ+ktidIen9VT4XW2WSHo0z+OqRMDD/6zmH48ppwcKTTypcQ19VBZcerCSokWI2tkGKMT8p0i6wnl3wdBicJwCOCoGEYmDDYTAhCoW4j6Qia+QwMMkceHUrB1vtVYGFuxUCr+x85f78LU2K0qYT9Cg59M+gRFEgpjfgh5ZAzGsgg4vgpVMg2lcgBjvIjBNHPhpJ/zySwTlSfqJCZFyT2GqpFESNF+vzrheO4sE2m0u6Sf7Ai5I/DM60Ck61AM5oB9s3BbZ1DFy3DVyXFZxqHiW3H4VUEIVMiLBMnGXTa46sT1Iv8GgvW+mlgRjt3uY9bop4PDSoLQrU4iYo6zLo0UVQulm4VZPwqF+CUkzArZ2Ge9kBj8cLt8dLPB6K97kWo6GNHpPA3HwhoOlpKgxpx4haZYRaPQqV8u2uGBiBUjqEgV4tOlql6O8ZhFauh6xHDXGnHBKpBv0Dw5DJhohCKs5N6h5Sgr7azwtSUQM3PjYFg8EGnc6E/n4dVCoDJFIt2kR9aHrcjVs1DejtHYTJPA25YgQd7f1oa+tDV5cc3d0K0iAUliStN1LHgrL2Rs5imcG4aQp6vRV9fUNQKg2QSrRobOjA3Tt/4vr13yGRaGCzzWFwcBQDA8Nobe3Fw4ciNDV1kNs3a0rip7+kBJbmCwGd5HHBYLCS4RELdDozFAr9sWhXlwKNjR2or2+FUPgcL16ooVTqj8XKomKxEs3NPXj+XELanj3JmVR1lIDSXrb6lgdiPsrF07Sf0HQAdvvmcWL5Sg8eiCASyWA0Th4f0tkpx8zMEjweH9xuL3Z2aOJ2eXj31lzUvyo2vbcNmw2wLFsiHMeBonbR3i5DTU0Dvr92B/V1LcdNunfvKaqr62C1ziKTyaIcy/Mc4dkMy6bX39rmrbFva/KR2TRfyhFCCCjKB5FIitq7Tfjxp99QXV2PRw3t+OGHWly9ehNSqQaRSAw8z4PnioTN+06M/ffX218TrTCHO0WeOyKRSIyUm1S2UXeHHKJWKSQ9anR1ytHVrcDY2CT29+OkHMvmg0w2ZDn5eu/hYL4mPKA0zlIuwBSZHJ+IJ8meO0D8Njt8ulkEjIsITbxBaIMi0b0oYfJp/ijjZQ69BmfY3nQChzJy1O/wtTtfJ8wEzPZSzp8Gl2MRjvMYXiak0woitoFXzhF+g+LZVITLxzfT8R2lnSrjy/gBvt4zUX0C2FzYrGGzTie374qWFl8xR5Yp/sjykmcmJhnGMRdLe83O0Gr7CWDV/wTsf4yAlsqsX3E/Fxy2ZXwjoRQ1UkzuaIrRDUk4tPJsolzV/42AvwBpfIv04uE0oQAAAABJRU5ErkJggg==","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#26253f","foreground":"#fff","population":10.83,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#a06004","foreground":"#fff","population":0,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#26253f","foreground":"#fff","population":10.83,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#b7b7c3","foreground":"#000","population":0.52,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#fc64b4","foreground":"#000","population":0,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#7f7145","foreground":"#fff","population":0.07,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f0125f","foreground":"#fff","population":2.29,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"Best Buy ISA.png","path":"images/k8qzcdw3/prod1503/5153835585a1a06339ad0537a54dfafadd68dc20-3201x3200.png","sha1hash":"5153835585a1a06339ad0537a54dfafadd68dc20","size":638609,"uploadId":"E74CshsJAueuYRP8C9S80PqOddDGPjbI","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/5153835585a1a06339ad0537a54dfafadd68dc20-3201x3200.png","filename":"Best Buy ISA.png","width":3201,"height":3200,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/5153835585a1a06339ad0537a54dfafadd68dc20-3201x3200.png?rect=535,0,2133,3200&w=%width%&h=%height%&q=80","id":"image-5153835585a1a06339ad0537a54dfafadd68dc20-3201x3200-png","children":[],"parent":null}},"id":"-aa88658f-6979-553e-ae78-03d471c74923","children":[],"parent":null},"bestBuyType":"ISA","companyBBCats":["DIY","GREEN","BIGBRAND"],"companyDisplayName":"Interactive Investor ","companyLogo":{"_type":"mainImage","alt":"Interactive Investor logo","asset":{"_id":"image-c988342e014f6e550cf4b17e6068ecc77f06d39e-1080x1080-png","_type":"sanity.imageAsset","_rev":"q751mjzXmd3Io5LU2Mm4Yc","_createdAt":"2025-11-12T10:23:22Z","_updatedAt":"2025-11-12T10:23:22Z","assetId":"c988342e014f6e550cf4b17e6068ecc77f06d39e","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"eSS6GMv~$is9ofxanijFjsaz?^T0NakWayo~S$X9W;j[sTjEs:aeae","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1,"height":1080,"width":1080},"hasAlpha":false,"isOpaque":true,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#3c3c3c","foreground":"#fff","population":0.25,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#b46431","foreground":"#fff","population":0,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#fa6406","foreground":"#fff","population":2.37,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#dec4ba","foreground":"#000","population":0.06,"title":"#000"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f5ca9f","foreground":"#000","population":0.13,"title":"#000"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#979797","foreground":"#000","population":1.17,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#fa6406","foreground":"#fff","population":2.37,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"ii logo 2025.png","path":"images/k8qzcdw3/prod1503/c988342e014f6e550cf4b17e6068ecc77f06d39e-1080x1080.png","sha1hash":"c988342e014f6e550cf4b17e6068ecc77f06d39e","size":82232,"uploadId":"bOddnxbbQb2Pml8GXbS8FnGJaSuiQpAF","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/c988342e014f6e550cf4b17e6068ecc77f06d39e-1080x1080.png","filename":"ii logo 2025.png","width":1080,"height":1080,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/c988342e014f6e550cf4b17e6068ecc77f06d39e-1080x1080.png?rect=180,0,720,1080&w=%width%&h=%height%&q=80","id":"image-c988342e014f6e550cf4b17e6068ecc77f06d39e-1080x1080-png","children":[],"parent":null},"blankAltTag":true},"companyName":"ISA Interactive Investor","comparisonCriteria":[{"_key":"0e70877e2778","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:15:44Z","_updatedAt":"2022-01-25T13:15:44Z","name":"Description","order":0,"id":"-38df3451-8e56-55e9-874e-016872a907c4","children":[],"parent":null},"text":[{"_key":"a53a293a059b","_type":"block","children":[{"_key":"2703b3c1d357","_type":"span","marks":[],"text":"Interactive Investor is one of the few groups that has a fixed £ fee, rather than a %. They have 3 different price plans, with the standard plan costing £9.99 per month for an ISA, which also includes one free trade per month."}],"markDefs":[],"style":"normal"}]},{"_key":"e204350eacb8","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-03-08T15:16:10Z","_updatedAt":"2022-03-08T15:16:10Z","name":"Investment choice","order":1,"id":"-35e5c77c-56b4-5ac5-9bd3-ddda2a3e72b4","children":[],"parent":null},"text":[{"_key":"4f778351f05b","_type":"block","children":[{"_key":"8d5f16e0836c","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"6e3ddb217af2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-03-07T13:26:21Z","_updatedAt":"2022-03-08T15:17:51Z","name":"All-inclusive charge","order":2,"id":"-d8b65ff4-87ca-56d5-bf47-0840c0d8b574","children":[],"parent":null},"text":[{"_key":"606d3215038e","_type":"block","children":[{"_key":"58b8be45c475","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"213937547083","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:16:03Z","_updatedAt":"2022-03-08T15:18:02Z","name":"Platform fees","order":3,"id":"-a94dc12e-f05a-57ed-9dba-dfabb438ba56","children":[],"parent":null},"text":[{"_key":"9528a3a94af6","_type":"block","children":[{"_key":"5b3e794333b6","_type":"span","marks":[],"text":"Funds and Shares: £9.99 per month"}],"markDefs":[],"style":"normal"}]},{"_key":"afafb7cbd951","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T09:49:24Z","_updatedAt":"2022-03-08T15:18:13Z","name":"Trading fees","order":4,"id":"-24808855-dffe-557d-be7b-79d866ba8558","children":[],"parent":null},"text":[{"_key":"64aa78d305a7","_type":"block","children":[{"_key":"5819c8f2a65c","_type":"span","marks":[],"text":"Funds and Shares: £7.99"}],"markDefs":[],"style":"normal"}]},{"_key":"583e0cb9b41d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:16:14Z","_updatedAt":"2022-03-08T15:18:22Z","name":"Foreign exchange fees","order":5,"id":"-bf4bc988-ff22-50e7-83f8-4536fb061bdc","children":[],"parent":null},"text":[{"_key":"da0fc38c05ec","_type":"block","children":[{"_key":"5af8d7a8863d","_type":"span","marks":[],"text":"1.5% (for a value between £0 and £25k)"}],"markDefs":[],"style":"normal"}]},{"_key":"9c5020ee5553","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:16:25Z","_updatedAt":"2022-03-08T15:18:31Z","name":"Junior ISA","order":6,"id":"-6a12e7e7-0545-5f60-8e45-5d13c0488a76","children":[],"parent":null},"text":[{"_key":"272a019d7c6d","_type":"block","children":[{"_key":"2d5085da3265","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"64e4830c9d8b","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:16:35Z","_updatedAt":"2022-03-08T15:18:43Z","name":"Lifetime ISA","order":7,"id":"-c375cc5c-0202-57dd-b6de-ca54830a46e9","children":[],"parent":null},"text":[{"_key":"8d308f5e1cdf","_type":"block","children":[{"_key":"f04cdfd1e21f","_type":"span","marks":[],"text":"No"}],"markDefs":[],"style":"normal"}]},{"_key":"dd2a51bdd309","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:16:43Z","_updatedAt":"2022-03-08T15:18:58Z","name":"GIA","order":8,"id":"-b134b2bd-0ad0-5f13-b60a-37238000aea8","children":[],"parent":null},"text":[{"_key":"2b00b09c3b80","_type":"block","children":[{"_key":"5579b12a62ef","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8ae6f229f108","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:17:01Z","_updatedAt":"2022-03-08T15:19:13Z","name":"SIPP","order":9,"id":"-1463cd6f-f666-5df3-8f4c-0df6310b6764","children":[],"parent":null},"text":[{"_key":"21b74b287c2a","_type":"block","children":[{"_key":"2daf6d408f01","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"e96a79462867","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:17:08Z","_updatedAt":"2022-03-08T15:19:24Z","name":"Shares","order":10,"id":"-7b24847c-9a26-5ee3-acbd-6fcaff5a91f1","children":[],"parent":null},"text":[{"_key":"add232c2409f","_type":"block","children":[{"_key":"d57b308f0d5f","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"17a5560364e9","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:17:19Z","_updatedAt":"2022-03-08T15:19:32Z","name":"Funds","order":11,"id":"-313d7cf7-1e77-5066-8ebe-b1bc735b4f8d","children":[],"parent":null},"text":[{"_key":"f424419a01ff","_type":"block","children":[{"_key":"01b3fa858642","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"6d74b8f7d9dd","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:18:00Z","_updatedAt":"2022-03-08T15:19:41Z","name":"ETFs","order":12,"id":"-0dbd4d0a-229a-543f-9101-b050ef6c26ea","children":[],"parent":null},"text":[{"_key":"285f3ac45b7c","_type":"block","children":[{"_key":"7d04e905b7b9","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"82f6319ebbff","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_id":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"comparisonCriteriaCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2022-01-25T13:18:02Z","_updatedAt":"2022-03-08T15:19:50Z","name":"Investment trusts","order":13,"id":"-2cfa5419-4c90-52e8-9ae7-568d8e56d104","children":[],"parent":null},"text":[{"_key":"b5aeea640375","_type":"block","children":[{"_key":"7c7e8aa94a99","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"96047F8D-1E11-4F45-B638-EEDF326EB525","hasOffer":false,"inANutshell":["Low cost for large portfolios","Wide range of investments","Good for share dealing"],"mostPopularRank":3,"noOfReviews":"908","offerText":"Get £50 worth of free trades with an ii Stocks & Shares ISA. T&Cs apply.","ourRating":"8","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_id":"244a4dae-f9f8-44f1-8493-bdf195e5c38d","_type":"linkCategory","_rev":"JV6RAfz0YpcpOL9lTepEEI","_createdAt":"2025-09-12T14:01:19Z","_updatedAt":"2025-12-23T16:02:12Z","_system":{"base":{"id":"244a4dae-f9f8-44f1-8493-bdf195e5c38d","rev":"hhWQx7Hkb3cV5UHVfd0bSL"}},"description":"Affiliate UTM ii ISA New Link September, December2025","url":"https://prf.hn/click/camref:1011l3ScWm/[p_id:1011l562993]/destination:https%3A%2F%2Fwww.ii.co.uk%2Faffiliate%2Fopen-isa-account","id":"-a1c2ae88-e777-5502-87c9-432d6701d229","children":[],"parent":null},"reviewReference":{"_id":"22d041fa-4595-43c0-9055-7853b8b849f0","_type":"information","_rev":"2NU7QvimH4iXa63CW2F0rR","_createdAt":"2021-08-30T10:50:17Z","_updatedAt":"2026-04-13T12:06:05Z","_system":{"base":{"id":"22d041fa-4595-43c0-9055-7853b8b849f0","rev":"M0Jur1844ZW0rjjwpYFBWK"}},"authors":[{"_key":"abe5c98b2960","_type":"personReference","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"people","_rev":"n54XUON695cO06xFcT7KHi","_createdAt":"2021-07-16T15:41:47Z","_updatedAt":"2026-04-16T00:00:29Z","_system":{"base":{"id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","rev":"1XrksDlMkoAPinyrcm2t9G"}},"answeredQuestionsRank":252,"averageRating":0,"bio":[{"_key":"bf1f1c58fef9","_type":"block","children":[{"_key":"97ba1f193b22","_type":"span","marks":[],"text":"Boring Money is an independent company founded in 2015 to make investing, saving and financial planning accessible for everyday people without a PhD in finance. "}],"markDefs":[],"style":"normal"},{"_key":"529bed96fa8e","_type":"block","children":[{"_key":"46347ea68efb","_type":"span","marks":[],"text":"Led by industry veteran "},{"_key":"d6819d3bfe17","_type":"span","marks":["12ac5536ccfd"],"text":"Holly Mackay"},{"_key":"00f260fdccf0","_type":"span","marks":[],"text":" with over 24 years' experience, Boring Money's mission is to demystify savings, investments, and pensions. We help consumers with educational content, research, and user-friendly tips - all without the confusing technical jargon!"}],"markDefs":[{"_key":"12ac5536ccfd","_type":"link","href":"https://www.boringmoney.co.uk/advisers/holly-mackay/"}],"style":"normal"},{"_key":"dbb1c5ff82a3","_type":"block","children":[{"_key":"a9b296baf5d3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8a06e569aa6a","_type":"prosConsWidget","cons":["Confusing industry jargon!"],"consTitle":"Dislikes:","pros":["Making money make sense"],"prosTitle":"Likes:"},{"_key":"04271e0685d4","_type":"block","children":[{"_key":"a68362f24eb7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3e82861a3b80","_type":"block","children":[{"_key":"0f6b76e2f7e6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7f1e7a776f24","_type":"block","children":[{"_key":"44781b4aa451","_type":"span","marks":["em"],"text":"Boring Money is not a regulated financial advice firm. We provide generic information to help you understand your options. We make money from sponsorship, advertising, and referral fees - all transparently disclosed "},{"_key":"8f2d6d572758","_type":"span","marks":["em","a3db01606b86"],"text":"here"},{"_key":"07c6279db2e5","_type":"span","marks":["em"],"text":"."}],"markDefs":[{"_key":"a3db01606b86","_type":"link","href":"https://www.boringmoney.co.uk/how-we-make-money/"}],"style":"normal"}],"categories":[{"_key":"5577aff62e48","_ref":"976f2dc9-ded3-47fc-bc52-bd928767a578","_type":"reference"}],"dashboardId":"b3cf6703-691d-4826-9ddc-762eeb58c289","dateAnsweredRank":88,"email":"community@boringmoney.co.uk","excerpt":[{"_key":"e8edde7ba304","_type":"block","children":[{"_key":"ffba4fdcab87","_type":"span","marks":[],"text":"This is a Boring Money Advice admin page. This adviser directory allows you to browse trusted, vetted financial advisers. Enter your location or use the advanced filters to find the perfect match."}],"markDefs":[],"style":"normal"}],"hideFeeStructure":true,"image":{"_type":"mainImage","alt":"Boring Money","asset":{"_ref":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg","_type":"reference"},"blankAltTag":true,"caption":"Boring Money","crop":{"_type":"sanity.imageCrop","bottom":0,"left":0.10897435897435898,"right":0.1217948717948718,"top":0},"hotspot":{"_type":"sanity.imageHotspot","height":1,"width":0.7628205128205129,"x":0.49679487179487175,"y":0.5}},"location":{"_ref":"6647e624-276a-461e-84a8-f8e62eb9143e","_type":"reference"},"name":"Boring Money","numberOfLikes":1828,"numberOfRatings":0,"publishedAt":"2026-01-20T13:29:05.059Z","showAdviser":false,"slug":{"_type":"slug","current":"boring-money"},"specialisations":[{"_key":"d3e41a6fbb34","_ref":"4807983c-8f5a-49f7-83bd-fcc53e0f81e8","_type":"reference"}],"summary":[{"_key":"8ab6b22d9f47","_type":"block","children":[{"_key":"aa17690f4230","_type":"span","marks":[],"text":"Here to help you understand your options and make smart money choices."}],"markDefs":[],"style":"normal"}],"id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","children":[],"parent":null}}],"body":[{"_key":"464183fe481a","_type":"providerHeaderWidget","company":{"_id":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4gZ","_createdAt":"2021-09-22T15:41:45Z","_updatedAt":"2026-02-17T00:01:25Z","_system":{"base":{"id":"74d5a1e5-87ac-4f50-a28f-a13923a64829","rev":"YjNvQx4tqfWKwO39Egsu3J"}},"bestBuyAward":{"_ref":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"reference"},"bestBuyType":"ISA","companyBBCats":["DIY","GREEN","BIGBRAND"],"companyDisplayName":"Interactive Investor ","companyLogo":{"_type":"mainImage","alt":"Interactive Investor logo","asset":{"_ref":"image-c988342e014f6e550cf4b17e6068ecc77f06d39e-1080x1080-png","_type":"reference"},"blankAltTag":true},"companyName":"ISA Interactive Investor","comparisonCriteria":[{"_key":"0e70877e2778","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"a53a293a059b","_type":"block","children":[{"_key":"2703b3c1d357","_type":"span","marks":[],"text":"Interactive Investor is one of the few groups that has a fixed £ fee, rather than a %. They have 3 different price plans, with the standard plan costing £9.99 per month for an ISA, which also includes one free trade per month."}],"markDefs":[],"style":"normal"}]},{"_key":"e204350eacb8","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"4f778351f05b","_type":"block","children":[{"_key":"8d5f16e0836c","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"6e3ddb217af2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"606d3215038e","_type":"block","children":[{"_key":"58b8be45c475","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"213937547083","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"9528a3a94af6","_type":"block","children":[{"_key":"5b3e794333b6","_type":"span","marks":[],"text":"Funds and Shares: £9.99 per month"}],"markDefs":[],"style":"normal"}]},{"_key":"afafb7cbd951","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"64aa78d305a7","_type":"block","children":[{"_key":"5819c8f2a65c","_type":"span","marks":[],"text":"Funds and Shares: £7.99"}],"markDefs":[],"style":"normal"}]},{"_key":"583e0cb9b41d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"da0fc38c05ec","_type":"block","children":[{"_key":"5af8d7a8863d","_type":"span","marks":[],"text":"1.5% (for a value between £0 and £25k)"}],"markDefs":[],"style":"normal"}]},{"_key":"9c5020ee5553","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"272a019d7c6d","_type":"block","children":[{"_key":"2d5085da3265","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"64e4830c9d8b","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"8d308f5e1cdf","_type":"block","children":[{"_key":"f04cdfd1e21f","_type":"span","marks":[],"text":"No"}],"markDefs":[],"style":"normal"}]},{"_key":"dd2a51bdd309","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"2b00b09c3b80","_type":"block","children":[{"_key":"5579b12a62ef","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8ae6f229f108","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"21b74b287c2a","_type":"block","children":[{"_key":"2daf6d408f01","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"e96a79462867","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"add232c2409f","_type":"block","children":[{"_key":"d57b308f0d5f","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"17a5560364e9","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"f424419a01ff","_type":"block","children":[{"_key":"01b3fa858642","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"6d74b8f7d9dd","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"285f3ac45b7c","_type":"block","children":[{"_key":"7d04e905b7b9","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"82f6319ebbff","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"b5aeea640375","_type":"block","children":[{"_key":"7c7e8aa94a99","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"96047F8D-1E11-4F45-B638-EEDF326EB525","hasOffer":false,"inANutshell":["Low cost for large portfolios","Wide range of investments","Good for share dealing"],"mostPopularRank":3,"noOfReviews":"908","offerText":"Get £50 worth of free trades with an ii Stocks & Shares ISA. T&Cs apply.","ourRating":"8","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"244a4dae-f9f8-44f1-8493-bdf195e5c38d","_type":"reference"},"reviewReference":{"_ref":"22d041fa-4595-43c0-9055-7853b8b849f0","_type":"reference"},"showBBTable":true,"wouldRecommendRating":81.04,"yourRating":"7","id":"-80fffe79-5c14-5c8e-8c67-b81f57eb3d94","children":[],"parent":null}},{"_key":"428b009b3fa6","_type":"anchorMenuMobile","title":"menu"},{"_key":"817e0975ea68","_type":"block","children":[{"_key":"998733f3c0f4","_type":"span","marks":[],"text":""},{"_key":"6855dcd0e28b","_type":"mainAnchor","pageAnchor":{"_ref":"be67f70a-2e31-4e77-9282-6784550f85ce","_type":"reference"}},{"_key":"ebe9852a6451","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"aba1cfbe11cc","_type":"ourRatingWidget","company":{"_id":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4gZ","_createdAt":"2021-09-22T15:41:45Z","_updatedAt":"2026-02-17T00:01:25Z","_system":{"base":{"id":"74d5a1e5-87ac-4f50-a28f-a13923a64829","rev":"YjNvQx4tqfWKwO39Egsu3J"}},"bestBuyAward":{"_ref":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"reference"},"bestBuyType":"ISA","companyBBCats":["DIY","GREEN","BIGBRAND"],"companyDisplayName":"Interactive Investor ","companyLogo":{"_type":"mainImage","alt":"Interactive Investor logo","asset":{"_ref":"image-c988342e014f6e550cf4b17e6068ecc77f06d39e-1080x1080-png","_type":"reference"},"blankAltTag":true},"companyName":"ISA Interactive Investor","comparisonCriteria":[{"_key":"0e70877e2778","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"a53a293a059b","_type":"block","children":[{"_key":"2703b3c1d357","_type":"span","marks":[],"text":"Interactive Investor is one of the few groups that has a fixed £ fee, rather than a %. They have 3 different price plans, with the standard plan costing £9.99 per month for an ISA, which also includes one free trade per month."}],"markDefs":[],"style":"normal"}]},{"_key":"e204350eacb8","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"4f778351f05b","_type":"block","children":[{"_key":"8d5f16e0836c","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"6e3ddb217af2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"606d3215038e","_type":"block","children":[{"_key":"58b8be45c475","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"213937547083","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"9528a3a94af6","_type":"block","children":[{"_key":"5b3e794333b6","_type":"span","marks":[],"text":"Funds and Shares: £9.99 per month"}],"markDefs":[],"style":"normal"}]},{"_key":"afafb7cbd951","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"64aa78d305a7","_type":"block","children":[{"_key":"5819c8f2a65c","_type":"span","marks":[],"text":"Funds and Shares: £7.99"}],"markDefs":[],"style":"normal"}]},{"_key":"583e0cb9b41d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"da0fc38c05ec","_type":"block","children":[{"_key":"5af8d7a8863d","_type":"span","marks":[],"text":"1.5% (for a value between £0 and £25k)"}],"markDefs":[],"style":"normal"}]},{"_key":"9c5020ee5553","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"272a019d7c6d","_type":"block","children":[{"_key":"2d5085da3265","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"64e4830c9d8b","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"8d308f5e1cdf","_type":"block","children":[{"_key":"f04cdfd1e21f","_type":"span","marks":[],"text":"No"}],"markDefs":[],"style":"normal"}]},{"_key":"dd2a51bdd309","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"2b00b09c3b80","_type":"block","children":[{"_key":"5579b12a62ef","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8ae6f229f108","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"21b74b287c2a","_type":"block","children":[{"_key":"2daf6d408f01","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"e96a79462867","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"add232c2409f","_type":"block","children":[{"_key":"d57b308f0d5f","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"17a5560364e9","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"f424419a01ff","_type":"block","children":[{"_key":"01b3fa858642","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"6d74b8f7d9dd","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"285f3ac45b7c","_type":"block","children":[{"_key":"7d04e905b7b9","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"82f6319ebbff","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"b5aeea640375","_type":"block","children":[{"_key":"7c7e8aa94a99","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"96047F8D-1E11-4F45-B638-EEDF326EB525","hasOffer":false,"inANutshell":["Low cost for large portfolios","Wide range of investments","Good for share dealing"],"mostPopularRank":3,"noOfReviews":"908","offerText":"Get £50 worth of free trades with an ii Stocks & Shares ISA. T&Cs apply.","ourRating":"8","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"244a4dae-f9f8-44f1-8493-bdf195e5c38d","_type":"reference"},"reviewReference":{"_ref":"22d041fa-4595-43c0-9055-7853b8b849f0","_type":"reference"},"showBBTable":true,"wouldRecommendRating":81.04,"yourRating":"7","id":"-80fffe79-5c14-5c8e-8c67-b81f57eb3d94","children":[],"parent":null}},{"_key":"06e56ad4e01f","_type":"block","children":[{"_key":"8553927898e8","_type":"span","marks":[],"text":""},{"_key":"92dc6c963ebf","_type":"mainAnchor","pageAnchor":{"_ref":"e17eb14a-5082-4a31-911c-e8cf2665fa72","_type":"reference"}},{"_key":"c18545c6b1b4","_type":"span","marks":[],"text":"Investment expert’s opinion "}],"markDefs":[],"style":"h2"},{"_key":"9e41eb5aaa05","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money*","photo":{"_type":"mainImage","alt":"Holly Mackay","asset":{"_id":"image-07b1620dff47adb00f7704e8ba793962e9b83389-1000x707-jpg","_type":"sanity.imageAsset","_rev":"DmK61VtPyEhMsfOjcsa2vd","_createdAt":"2022-03-15T09:25:47Z","_updatedAt":"2022-03-15T09:25:47Z","assetId":"07b1620dff47adb00f7704e8ba793962e9b83389","extension":"jpg","metadata":{"_type":"sanity.imageMetadata","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.4144271570014144,"height":707,"width":1000},"hasAlpha":false,"isOpaque":true,"lqip":"data:image/jpeg;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#4e4239","foreground":"#fff","population":0.96,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#1d1709","foreground":"#fff","population":0.19,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#bcbec5","foreground":"#000","population":13.03,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#bcbec5","foreground":"#000","population":13.03,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#efc5b6","foreground":"#000","population":5.44,"title":"#000"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#997056","foreground":"#fff","population":1.45,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#d99e81","foreground":"#000","population":4.56,"title":"#fff"}}},"mimeType":"image/jpeg","originalFilename":"f3e7ce40e476915dd9bf79505e703a3b564e917b-1000x707.jpg","path":"images/k8qzcdw3/prod1503/07b1620dff47adb00f7704e8ba793962e9b83389-1000x707.jpg","sha1hash":"07b1620dff47adb00f7704e8ba793962e9b83389","size":76895,"uploadId":"as8GYdmDz1rlcS01RCs9Bgj2qXi7rYp0","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/07b1620dff47adb00f7704e8ba793962e9b83389-1000x707.jpg","filename":"f3e7ce40e476915dd9bf79505e703a3b564e917b-1000x707.jpg","width":1000,"height":707,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/07b1620dff47adb00f7704e8ba793962e9b83389-1000x707.jpg?rect=265,0,471,707&w=%width%&h=%height%&q=80","id":"image-07b1620dff47adb00f7704e8ba793962e9b83389-1000x707-jpg","children":[],"parent":null}},"quote":[{"_key":"e8c4e3801514","_type":"block","children":[{"_key":"d28952914b50","_type":"span","marks":[],"text":"interactive Investor has been steadily improving. Price revisions now make this compelling for those with smaller accounts and also those who manage family accounts. The community app will appeal to those who love investing and want all the chat - it won't be for everyone. The app is good, although the research feels a little 'standalone' and not well integrated to those reviewing existing portfolios. I'm being picky there - it's a very decently priced offer which becomes pretty hard to fault for more seasoned investors with larger sums to invest and manage."}],"markDefs":[],"style":"normal"}]},{"_key":"6ef4fccf92a5","_type":"block","children":[{"_key":"55e4dc878e1e","_type":"span","marks":["em"],"text":"*This is the view of investment expert Holly Mackay based on her first-hand customer experience as a test account holder. This does not constitute regulated advice. You can read more about Holly's investments "},{"_key":"40638548bffa","_type":"span","marks":["em","a65f5f364cbc"],"text":"here"},{"_key":"6093004f3e03","_type":"span","marks":["em"],"text":"."}],"markDefs":[{"_key":"a65f5f364cbc","_type":"internalLinkPick","reference":{"_ref":"6dff6a49-b6ac-46cf-abed-819cb7486e2d","_type":"reference"}}],"style":"small"},{"_key":"0430e923c399","_type":"block","children":[{"_key":"8ffb5d538312","_type":"span","marks":[],"text":""},{"_key":"3d88527d8988","_type":"mainAnchor","pageAnchor":{"_ref":"522348ce-ba06-4d6e-9a76-bf943875d0cf","_type":"reference"}},{"_key":"e7265f8ca310","_type":"span","marks":[],"text":"Who is interactive investor?"}],"markDefs":[],"style":"h2"},{"_key":"b330d98a9a33","_type":"block","children":[{"_key":"f2a05e919a340","_type":"span","marks":[],"text":"It is a subscription-based investment platform founded in the UK in 1995. Based in Manchester with offices in London and Leeds, interactive investor – often shortened to ‘ii’ - boasts over 490,000 customers and has assets under administration of over £97.5 billion. ii’s parent company, Aberdeen, is the largest active asset management firm in the UK. Interactive Investor's acquisition by aberdeen was completed in May 2022. interactive investor states one of its core principles is that “investing should be simple and open to all” and it strives to facilitate this through “transparent, fair fees” and “simple language”."}],"markDefs":[],"style":"normal"},{"_key":"0cca81476535","_type":"block","children":[{"_key":"1d3deae1d37e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"63c10e3e4b3a","_type":"block","children":[{"_key":"aaec50edc9b9","_type":"span","marks":[],"text":""},{"_key":"b4fd3bfc20cc","_type":"mainAnchor","pageAnchor":{"_ref":"cf6f26cf-1a25-40c6-b9bc-7eea852a160b","_type":"reference"}},{"_key":"aa9d1a1907b6","_type":"span","marks":[],"text":"Who is interactive investor good for?"}],"markDefs":[],"style":"h2"},{"_key":"ae0a82d117d9","_type":"block","children":[{"_key":"95638222eb520","_type":"span","marks":[],"text":"The support and research will be most helpful to experienced investors and share traders - it still feels a bit overwhelming for the less confident. Good for international trading."}],"markDefs":[],"style":"normal"},{"_key":"4c550dbe0ed3","_type":"block","children":[{"_key":"e67908712f57","_type":"span","marks":[],"text":""},{"_key":"826aab16b246","_type":"mainAnchor","pageAnchor":{"_ref":"68a2740c-2fdd-48f2-a439-70e9257fa1dc","_type":"reference"}},{"_key":"779be5dad623","_type":"span","marks":[],"text":"Pros and cons"}],"markDefs":[],"style":"h2"},{"_key":"ecb1a098c902","_type":"prosConsWidget","cons":["Overwhelming for less confident investors ","Site and app will feel more intuitive to those used to stockbroker sites and services ","Trading and research not as integrated as with some peers"],"consTitle":"Cons","pros":["Fixed fees make this typically competitive for larger portfolios ","Very wide range of investments ","Strong for international and UK share dealing"],"prosTitle":"In a nutshell "},{"_key":"4fdece96dd47","_type":"block","children":[{"_key":"5af5968df1ff","_type":"span","marks":[],"text":""},{"_key":"7a20f038c581","_type":"mainAnchor","pageAnchor":{"_ref":"9e51cdf7-15a0-4f71-a312-6ed8618ed389","_type":"reference"}},{"_key":"d4d7a1d4b0cd","_type":"span","marks":[],"text":"Investments"}],"markDefs":[],"style":"h2"},{"_key":"5eee0924a7ac","_type":"block","children":[{"_key":"d17a278eb9180","_type":"span","marks":[],"text":"There is a very wide range of over 40,000 different investments on ii, including:"}],"markDefs":[],"style":"normal"},{"_key":"b177d13bf3c9","_type":"table","rows":[{"_key":"row-1767094659215-0","_type":"tableRow","cells":[{"_key":"cell-1767094659215-0-0","_type":"tableCell","content":[{"_key":"5cb2b6a3c99f","_type":"block","children":[{"_key":"edcce6365c67","_type":"span","marks":[],"text":"UK and Foreign Shares"}],"markDefs":[],"style":"normal"}],"isHeader":true,"linkReference":{"_ref":"cb3a5699-c273-4e67-b373-5de2a4569845","_type":"reference"}}]},{"_key":"row-1767094659215-1","_type":"tableRow","cells":[{"_key":"cell-1767094659215-1-0","_type":"tableCell","content":[{"_key":"b84c55a3f78f","_type":"block","children":[{"_key":"eca2102d225a","_type":"span","marks":[],"text":"Funds"}],"markDefs":[],"style":"normal"}],"isHeader":false,"linkReference":{"_ref":"975b751d-234d-456d-8940-f636650c301a","_type":"reference"}}]},{"_key":"row-1767094659215-2","_type":"tableRow","cells":[{"_key":"cell-1767094659215-2-0","_type":"tableCell","content":[{"_key":"c2a74d73fdb7","_type":"block","children":[{"_key":"f72a2cf2f511","_type":"span","marks":[],"text":"Investment Trusts"}],"markDefs":[],"style":"normal"}],"isHeader":false,"linkReference":{"_ref":"e50ed30a-8fd6-48b1-b086-61bdcc227685","_type":"reference"}}]},{"_key":"row-1767094727199","_type":"tableRow","cells":[{"_key":"cell-1767094727199-0","_type":"tableCell","content":[{"_key":"e0ec78184c86","_type":"block","children":[{"_key":"3b0166d9dbfd","_type":"span","marks":[],"text":"ETFs"}],"markDefs":[],"style":"normal"}],"isHeader":false}]},{"_key":"row-1767094727515","_type":"tableRow","cells":[{"_key":"cell-1767094727515-0","_type":"tableCell","content":[{"_key":"ad501079b195","_type":"block","children":[{"_key":"09bd0e87538f","_type":"span","marks":[],"text":"Ready Made Solutions (under their Managed Portfolios)"}],"markDefs":[],"style":"normal"}],"isHeader":false,"linkReference":{"_ref":"25599c4c-bf4f-4150-9d09-613c345b07c8","_type":"reference"}}]},{"_key":"row-1767102145107","_type":"tableRow","cells":[{"_key":"cell-1767102145107-0","_type":"tableCell","content":[{"_key":"e2a6075a0f13","_type":"block","children":[{"_key":"b02f801f9aef","_type":"span","marks":[],"text":"Bonds"}],"markDefs":[],"style":"normal"}],"isHeader":false,"linkReference":{"_ref":"ef452672-20b7-4540-9f6a-d2c7bd3c8542","_type":"reference"}}]}]},{"_key":"abc1702f9a0b","_type":"block","children":[{"_key":"93b1bb793716","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dcd0d7e2717f","_type":"block","children":[{"_key":"a4402479686e0","_type":"span","marks":[],"text":"Interactive investor customers can also opt to invest more sustainably by selecting from ii’s list of sustainable investments, including funds and bonds which ii has specially chosen to “reflect your own values”."}],"markDefs":[],"style":"normal"},{"_key":"b241d4e788b7","_type":"block","children":[{"_key":"2f5c3d651c90","_type":"span","marks":[],"text":"The fund research is outsourced to Morningstar which is fine if undistinguished. Trading is straightforward enough and a nice feature is that a graph and key data is shown to the right of the screen as you enter the share’s name and trade instruction. "}],"markDefs":[],"style":"normal"},{"_key":"89ed5cc57d19","_type":"block","children":[{"_key":"0fc961246d58","_type":"span","marks":[],"text":"This service is still more comfortable with shares than funds. They have a helpful price alert which will notify users of changes to specific investments they are tracking. "}],"markDefs":[],"style":"normal"},{"_key":"da3419fb58e3","_type":"block","children":[{"_key":"2127e9bc38af","_type":"span","marks":[],"text":""},{"_key":"a24a36af65a5","_type":"mainAnchor","pageAnchor":{"_ref":"605cc8d4-a85e-4d6d-94d8-0c4cbebac403","_type":"reference"}},{"_key":"229c9327843f","_type":"span","marks":[],"text":"Accounts"}],"markDefs":[],"style":"h2"},{"_key":"8986d92e269a","_type":"block","children":[{"_key":"17536206f7df0","_type":"span","marks":[],"text":"Interactive investor offers a range of accounts. The table below shows a breakdown of which ones are available and you can scroll down for more information about ii’s ISA, Pension and JISA."}],"markDefs":[],"style":"normal"},{"_key":"bea614a4f574","_type":"tableControl","rows":[{"_key":"d553eb7e8b7d","_type":"row","cells":[{"_key":"8ba431a4e375","_type":"cell","tableStyle":"DB","value":[{"_key":"9d88145724e8","_type":"block","children":[{"_key":"def9e141d4400","_type":"span","marks":["strong"],"text":"Stocks & Shares ISA"}],"markDefs":[],"style":"normal"}]},{"_key":"83bd6dcb3dcf","_type":"cell","tableStyle":"DB","value":[{"_key":"819d38c92dbe","_type":"block","children":[{"_key":"87b5f175900c0","_type":"span","marks":["strong"],"text":"Private Pension (SIPP)"}],"markDefs":[],"style":"normal"}]},{"_key":"31128ead34c2","_type":"cell","tableStyle":"DB","value":[{"_key":"fef778b0f707","_type":"block","children":[{"_key":"a4c7f37b8f6e0","_type":"span","marks":["strong"],"text":"General Investment Account (GIA)"}],"markDefs":[],"style":"normal"}]},{"_key":"56c70b5820d8","_type":"cell","tableStyle":"DB","value":[{"_key":"40217b6a7243","_type":"block","children":[{"_key":"dbb976f4bf520","_type":"span","marks":["strong"],"text":"Lifetime ISA"}],"markDefs":[],"style":"normal"}]},{"_key":"52494242a1a4","_type":"cell","tableStyle":"DB","value":[{"_key":"c4c25c83a69e","_type":"block","children":[{"_key":"6e973223ccce0","_type":"span","marks":["strong"],"text":"Junior ISA"}],"markDefs":[],"style":"normal"}]}]},{"_key":"b52c4264359e","_type":"row","cells":[{"_key":"e212a9c78685","_type":"cell","tableStyle":"W","value":[{"_key":"5814eee43950","_type":"block","children":[{"_key":"e1994bda8d0b","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"60afa26d9702","_type":"cell","tableStyle":"W","value":[{"_key":"10f4079d6321","_type":"block","children":[{"_key":"1c99017b106c","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"5f50d546601f","_type":"cell","tableStyle":"W","value":[{"_key":"6608a198e7c0","_type":"block","children":[{"_key":"aa0d69c14b6a","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"a262a593642f","_type":"cell","tableStyle":"W","value":[{"_key":"67c3b678b9e7","_type":"block","children":[{"_key":"9ee84b09179d0","_type":"span","marks":["strong"],"text":"✘"}],"markDefs":[],"style":"normal"}]},{"_key":"f2b9b755e66d","_type":"cell","tableStyle":"W","value":[{"_key":"e9b320187dfb","_type":"block","children":[{"_key":"e107c889e03d","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"Accounts"},{"_key":"aac10168317f","_type":"block","children":[{"_key":"c033eca71d49","_type":"span","marks":[],"text":""},{"_key":"c862d9ad81c1","_type":"mainAnchor","pageAnchor":{"_ref":"2c997e7d-1bea-4476-9de0-5ed9b0515370","_type":"reference"}},{"_key":"0bdf78591f31","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f0a54ce26c59","_type":"textboxWidget","text":[{"_key":"0fae1a711445","_type":"block","children":[{"_key":"4cb749ccb1b1","_type":"span","marks":[],"text":"interactive investor has a "},{"_key":"0c8cadc8eb76","_type":"span","marks":["8da1cb090b0b"],"text":"Stocks & Shares ISA"},{"_key":"790bac8107c8","_type":"span","marks":[],"text":", where you can invest up to £20,000 every year completely tax-free. This ISA is available on all 3 main subscription plans – Core, Plus and Premium (more on these in the next section)."}],"markDefs":[{"_key":"8da1cb090b0b","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"07e6e42670cb","_type":"block","children":[{"_key":"635e5c8f39320","_type":"span","marks":[],"text":"Ii ISA customers can choose from a huge range of over 40,000 investments, including UK and international shares, funds, ETFs, investment trusts and bonds. The flat subscription fees, particularly the £5.99 per month charge with a core plan, mean that an ii ISA can be low cost for larger portfolios of £50,000+ compared to other platforms on the market."}],"markDefs":[],"style":"normal"},{"_key":"2b7040b8e799","_type":"block","children":[{"_key":"07c97a7fb7ab","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"interactive investor ISA review"},{"_key":"e57217cbd244","_type":"block","children":[{"_key":"36776df6e5eb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"f13a7f588632","_type":"block","children":[{"_key":"ac1d67edb75c","_type":"span","marks":[],"text":"ISA & Trading Account offers on interactive investor*"}],"markDefs":[],"style":"h4"},{"_key":"4e49c79321b3","_type":"block","children":[{"_key":"e147ebb79aec","_type":"span","marks":[],"text":"Get between £100 - £3,000 cashback when you open an ii Stocks & Shares ISA or Trading Account."}],"markDefs":[],"style":"normal"},{"_key":"35ef08288bd6","_type":"block","children":[{"_key":"4113fb9bd3ae","_type":"span","marks":[],"text":"Capital at risk. Offer ends 30th April 2026. *Terms & trading fees apply. New and existing customers opening an ISA or Trading Account. £20,000 minimum deposit required. "}],"markDefs":[],"style":"h6"},{"_key":"9f55494391ef","_type":"block","children":[{"_key":"bb77c31eb1d4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h6"}],"_key":"7131bde39b48","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"partner":true,"reference":{"_id":"244a4dae-f9f8-44f1-8493-bdf195e5c38d","_type":"linkCategory","_rev":"JV6RAfz0YpcpOL9lTepEEI","_createdAt":"2025-09-12T14:01:19Z","_updatedAt":"2025-12-23T16:02:12Z","_system":{"base":{"id":"244a4dae-f9f8-44f1-8493-bdf195e5c38d","rev":"hhWQx7Hkb3cV5UHVfd0bSL"}},"description":"Affiliate UTM ii ISA New Link September, December2025","url":"https://prf.hn/click/camref:1011l3ScWm/[p_id:1011l562993]/destination:https%3A%2F%2Fwww.ii.co.uk%2Faffiliate%2Fopen-isa-account","id":"-a1c2ae88-e777-5502-87c9-432d6701d229","children":[],"parent":null},"text":"READ MORE"},{"_key":"cf21a6ffc53d","_type":"block","children":[{"_key":"fbe44042e1cc","_type":"span","marks":[],"text":""},{"_key":"0c6a2f4ededf","_type":"mainAnchor","pageAnchor":{"_ref":"ff57f94f-5ad4-4b79-b2cb-f15cbcbe2361","_type":"reference"}},{"_key":"17573ba40b2a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8edd86c00399","_type":"textboxWidget","text":[{"_key":"a010d6fe06ef","_type":"block","children":[{"_key":"8c24f895e410","_type":"span","marks":[],"text":"interactive investor offers a"},{"_key":"1cb564a200be","_type":"span","marks":["b6f6cf0a5b7a"],"text":" pension"},{"_key":"ef5ef9ff9830","_type":"span","marks":[],"text":" (SIPP), where you can invest up to £60,000 every tax year to put towards your retirement savings."}],"markDefs":[{"_key":"b6f6cf0a5b7a","_type":"internalLinkPick","reference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"}}],"style":"normal"},{"_key":"ef6911ce1ee6","_type":"block","children":[{"_key":"5b50c31f3a690","_type":"span","marks":[],"text":"As with the Stocks & Shares ISA, ii SIPP users can select from a range of over 40,000 investments including funds, shares, ETFs, investment trusts and bonds."}],"markDefs":[],"style":"normal"},{"_key":"3c9fcacc9ead","_type":"block","children":[{"_key":"3e234a45e4ec0","_type":"span","marks":[],"text":"Users can set up an ii SIPP from as little as £5.99 per month with the Core plan. Alternatively, you can pay £14.99 per month for a SIPP with the Plus plan for portfolios over £100,000."}],"markDefs":[],"style":"normal"},{"_key":"39f9f200e20c","_type":"block","children":[{"_key":"f532a3d12874","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"interactive investor Pension review"},{"_key":"6024400f8df2","_type":"block","children":[{"_key":"d77f6ffff01a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"f13a7f588632","_type":"block","children":[{"_key":"ac1d67edb75c","_type":"span","marks":[],"text":"SIPP offers on interactive investor*"}],"markDefs":[],"style":"h4"},{"_key":"26f9ca46e06c","_type":"block","children":[{"_key":"e147ebb79aec","_type":"span","marks":[],"text":"Get between £100 - £3,000 cashback when you open an ii Personal Pension (SIPP)."}],"markDefs":[],"style":"normal"},{"_key":"cbe6f8130263","_type":"block","children":[{"_key":"e147ebb79aec","_type":"span","marks":[],"text":"Capital at risk. Offer ends 30 April 2026. *Terms & trading fees apply. New & existing customers opening a SIPP. £20,000 minimum deposit required. "}],"markDefs":[],"style":"h6"},{"_key":"9f55494391ef","_type":"block","children":[{"_key":"bb77c31eb1d4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h6"}],"_key":"8680b82d0e28","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"partner":true,"reference":{"_id":"f9312930-fefc-4566-b8e0-fe172aaa73e0","_type":"linkCategory","_rev":"JxKELjlezS5Qr6TNeW05cz","_createdAt":"2025-09-12T14:02:15Z","_updatedAt":"2025-12-23T16:01:47Z","_system":{"base":{"id":"f9312930-fefc-4566-b8e0-fe172aaa73e0","rev":"hhWQx7Hkb3cV5UHVfcrKU1"}},"description":"Affiliate UTM ii SIPP New Link September, December 2025","url":"https://prf.hn/click/camref:1011l3ScWm/[p_id:1011l562993]/destination:https%3A%2F%2Fwww.ii.co.uk%2Faffiliate%2Fopen-sipp-account","id":"-0c8ce975-b6f8-5de7-ba2d-8c39e492a235","children":[],"parent":null},"text":"READ MORE"},{"_key":"57324cc9c37b","_type":"block","children":[{"_key":"caf4140f8b30","_type":"span","marks":[],"text":""},{"_key":"006ffef68925","_type":"mainAnchor","pageAnchor":{"_ref":"ee27d09d-a3cd-4792-9e2a-c3c517b2e0b2","_type":"reference"}},{"_key":"8052775bf93c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a71891c34a07","_type":"textboxWidget","text":[{"_key":"39d0b591ba1b","_type":"block","children":[{"_key":"3bbaa8179182","_type":"span","marks":[],"text":"interactive investor has a "},{"_key":"f4137cbee9bb","_type":"span","marks":["1ea80123d681"],"text":"Stocks & Shares Junior ISA"},{"_key":"54d4dad2cf29","_type":"span","marks":[],"text":", where you can invest up to £9,000 every tax year on behalf of your children or grandchildren."}],"markDefs":[{"_key":"1ea80123d681","_type":"internalLinkPick","reference":{"_ref":"d5b77d3e-daa0-4a42-ba55-c68b5fce8fff","_type":"reference"}}],"style":"normal"},{"_key":"a0c9f73d919a","_type":"block","children":[{"_key":"107a952bfa9e0","_type":"span","marks":[],"text":"Ii JISAs are free of charge but are only available to customers who have a standard Investor or Super Investor plan."}],"markDefs":[],"style":"normal"},{"_key":"9b8b9d2e500c","_type":"block","children":[{"_key":"32f6a38556800","_type":"span","marks":[],"text":"Like the adult Stocks & Shares ISA, ii JISA users can choose to invest in over 40,000 shares, funds, ETFs, investment trusts and bonds."}],"markDefs":[],"style":"normal"},{"_key":"997533e032eb","_type":"block","children":[{"_key":"7ac7da92b2480","_type":"span","marks":[],"text":"There are no trading fees if you set up a regular investing plan starting from just £25 per month."}],"markDefs":[],"style":"normal"},{"_key":"febf565ff741","_type":"block","children":[{"_key":"4385cebbfc46","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f543a5cd999c","_type":"block","children":[{"_key":"3d1b0df633f10","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"interactive investor JISA review"},{"_key":"7f290ebb284c","_type":"block","children":[{"_key":"952a01f07602","_type":"span","marks":[],"text":""},{"_key":"7b99416e04ab","_type":"mainAnchor","pageAnchor":{"_ref":"4e980c11-5605-4480-b5cf-9ef6d1970af0","_type":"reference"}},{"_key":"540e68df172d","_type":"span","marks":[],"text":"Fees and charges"}],"markDefs":[],"style":"h2"},{"_key":"6c91a4f0b044","_type":"block","children":[{"_key":"833b035673750","_type":"span","marks":[],"text":"The cost of investing with ii will vary depending on which subscription plan you have, what account you have and what you invest in."}],"markDefs":[],"style":"normal"},{"_key":"b4a670e4baa3","_type":"block","children":[{"_key":"555cae7f97840","_type":"span","marks":[],"text":"The monthly subscription fee, however, is flat – meaning it stays the same amount even as the size of your account grows. This sets ii apart from many other investment platforms currently on the market for being comparatively cheap for larger portfolios."}],"markDefs":[],"style":"normal"},{"_key":"073a8cb5d8f8","_type":"block","children":[{"_key":"96c569f5f6fa0","_type":"span","marks":[],"text":"The table below illustrates the key costs for each subscription plan. "}],"markDefs":[],"style":"normal"},{"_key":"5eb7c5deac53","_type":"table","rows":[{"_key":"row-1776080686596-0","_type":"tableRow","cells":[{"_key":"cell-1776080686596-0-0","_type":"tableCell","content":[{"_key":"59f960969fbe","_type":"block","children":[{"_key":"38a85e6db979","_type":"span","marks":["strong"],"text":"Plan"}],"markDefs":[],"style":"normal"}],"isHeader":true},{"_key":"cell-1776080686596-0-1","_type":"tableCell","content":[{"_key":"12b09fdd4d96","_type":"block","children":[{"_key":"85465aec0d32","_type":"span","marks":["strong"],"text":"Charge"}],"markDefs":[],"style":"normal"}],"isHeader":true},{"_key":"cell-1776080686596-0-2","_type":"tableCell","content":[{"_key":"78a1f5b8a38e","_type":"block","children":[{"_key":"e995e68518a5","_type":"span","marks":["strong"],"text":"Value"}],"markDefs":[],"style":"normal"}],"isHeader":true},{"_key":"cell-1776080689047-0","_type":"tableCell","content":[{"_key":"b585cb4fb930","_type":"block","children":[{"_key":"0aacb37f1035","_type":"span","marks":["strong"],"text":"Trading fees"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080689856-0","_type":"tableCell","content":[{"_key":"5f685fd929f1","_type":"block","children":[{"_key":"ea2858a834e3","_type":"span","marks":["strong"],"text":"Additional information"}],"markDefs":[],"style":"normal"}],"isHeader":false}]},{"_key":"row-1776080686596-1","_type":"tableRow","cells":[{"_key":"cell-1776080686596-1-0","_type":"tableCell","content":[{"_key":"24b3863b0719","_type":"block","children":[{"_key":"f038a7fcdfae","_type":"span","marks":[],"text":"Core"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080686596-1-1","_type":"tableCell","content":[{"_key":"6f7305a49bab","_type":"block","children":[{"_key":"89f4f85b1440","_type":"span","marks":[],"text":"£5.99 per month"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080686596-1-2","_type":"tableCell","content":[{"_key":"cf128d74ce92","_type":"block","children":[{"_key":"93e9d2bf869a","_type":"span","marks":[],"text":"< £100k"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080689047-1","_type":"tableCell","content":[{"_key":"60d618c9111a","_type":"block","children":[{"_key":"e6d6b2403884","_type":"span","marks":[],"text":"UK and US shares, funds & investment trusts: £3.99\nOther international shares: £9.99"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080689856-1","_type":"tableCell","content":[{"_key":"565c170421b1","_type":"block","children":[{"_key":"b63ae8d43f92","_type":"span","marks":[],"text":"Users are automatically upgraded to the Plus plan if their balance exceeds £100k\n\nRegular investment: Free\nDividend reinvestment: £0.99\nTelephone trades: £49 (in addition to relevant online commission)\n\nForeign exchange fee: 0.75%"}],"markDefs":[],"style":"normal"}],"isHeader":false}]},{"_key":"row-1776080686596-2","_type":"tableRow","cells":[{"_key":"cell-1776080686596-2-0","_type":"tableCell","content":[{"_key":"da5bfbf8914d","_type":"block","children":[{"_key":"00c4eb1e1abe","_type":"span","marks":[],"text":"Plus"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080686596-2-1","_type":"tableCell","content":[{"_key":"a3cdc17f90b2","_type":"block","children":[{"_key":"b35bb4cc24ea","_type":"span","marks":[],"text":"£14.99 per month"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080686596-2-2","_type":"tableCell","content":[{"_key":"7383d3c69683","_type":"block","children":[{"_key":"c00f742b5bf4","_type":"span","marks":[],"text":"All"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080689047-2","_type":"tableCell","content":[{"_key":"75b506ed74df","_type":"block","children":[{"_key":"741247e6c6bf","_type":"span","marks":[],"text":"Funds: £1.49\nUK and US shares: £3.99\nOther international shares: £7.99"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080689856-2","_type":"tableCell","content":[{"_key":"c59be9a275d0","_type":"block","children":[{"_key":"62bf091a9571","_type":"span","marks":["strong"],"text":"Free monthly trading credit worth £3.99"},{"_key":"bde531f422ba","_type":"span","marks":[],"text":"\n\nUsers are entitled to five free family and friends accounts. Each friend or family can invest up to £100k in an ISA or a GIA.\n\nRegular investment: Free\nDividend reinvestment: £0.99\nTelephone trades: £49 (in addition to relevant online commission)\n\nExisting customers can open JISAs at no extra cost\n\nForeign exchange fee depends on transaction value:\nFirst £50k: 0.75%\n£50k+: 0.25%"}],"markDefs":[],"style":"normal"}],"isHeader":false}]},{"_key":"row-1776080801981","_type":"tableRow","cells":[{"_key":"cell-1776080801981-0","_type":"tableCell","content":[{"_key":"b0542bf66fd8","_type":"block","children":[{"_key":"38fbfd9e106b","_type":"span","marks":[],"text":"Premium"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080801981-1","_type":"tableCell","content":[{"_key":"7f953f1912e2","_type":"block","children":[{"_key":"6dcd5c25d80d","_type":"span","marks":[],"text":"£39.99 per month"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080801981-2","_type":"tableCell","content":[{"_key":"1d85ccc53124","_type":"block","children":[{"_key":"fa2021186811","_type":"span","marks":[],"text":"All"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080801981-3","_type":"tableCell","content":[{"_key":"0741932a2a0d","_type":"block","children":[{"_key":"a766f3e249e8","_type":"span","marks":[],"text":"Funds: Free\nUK shares, investment trusts, US shares: £2.99\nOther international shares: £5.99\nUK shares & funds over £100k: £40\nUS shares over £100k: 0.04%\nInternational shares over £25k: 0.01%"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080801981-4","_type":"tableCell","content":[{"_key":"e1ac7533fee1","_type":"block","children":[{"_key":"ad7946eaf519","_type":"span","marks":["strong"],"text":"2 x Free monthly trading credits"},{"_key":"7f2c863232f6","_type":"span","marks":[],"text":"\n\nUnlimited free family and friends accounts. Each friend or family can invest up to £100k in an ISA or a GIA.\n\nAccess to ii360 advanced trading platform\n\nRegular investment: Free\nDividend reinvestment: Free\nTelephone trades: £49 (in addition to relevant online commission)\n\nExisting customers on non-essential plan can open JISAs at no extra cost\n\nForeign exchange fee: 0.25% for any value"}],"markDefs":[],"style":"normal"}],"isHeader":false}]}]},{"_key":"55c23f3844a1","_type":"block","children":[{"_key":"de143de1dca5","_type":"span","marks":["em"],"text":"NB: the per-month price includes access to ISA, SIPP, and trading account. If the total account balance (ISA+SIPP+GIA) exceeds £100k, then clients are moved onto the Plus plan from the Core plan."}],"markDefs":[],"style":"normal"},{"_key":"c0b70c82a423","_type":"block","children":[{"_key":"de143de1dca5","_type":"span","marks":[],"text":"\nInteractive investor offers a flexible Friends and Family program with its Plus plan, with each allowed to invest up to £100k. "}],"markDefs":[],"style":"normal"},{"_key":"11ee0ae35c60","_type":"block","children":[{"_key":"12afe09c05310","_type":"span","marks":[],"text":"For larger trades, interactive investor applies different fee structures. UK trades over £100,000 incur a flat £40 fee, while US trades above the same threshold are charged at 0.04% of the trade value. For other international shares, trades exceeding £25,000 are subject to a 0.10% fee."}],"markDefs":[],"style":"normal"},{"_key":"436230e225ec","_type":"block","children":[{"_key":"1bf70b03cff4","_type":"span","marks":[],"text":"See our guide to fees "},{"_key":"8ed95df33030","_type":"span","marks":["44534c37b1c0"],"text":"here"},{"_key":"3b8f644d09b2","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"44534c37b1c0","_type":"internalLinkPick","reference":{"_ref":"bdb60e29-14c8-4612-8d98-75541575b310","_type":"reference"}}],"style":"normal"},{"_key":"c4045728d3eb","_type":"block","children":[{"_key":"2152c330ffe20","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c93d5c60a772","_type":"calcBlock","dashboardId":"96047F8D-1E11-4F45-B638-EEDF326EB525","defaultWrapper":"ISA","introPara":{"_id":"2b148783-9a10-400d-abc8-d48e9be3a0e2","_type":"dictionary","_rev":"7S0ZXFhSrhUDseWBY3SxHq","_createdAt":"2024-02-26T10:06:20Z","_updatedAt":"2024-08-08T13:13:32Z","key":"calculator-paragraph-text","value":"Use the handy calculator below to calculate the cost of an account. Just select which type of account you want to use, type in the amount you want to invest and - hey presto! - our calculator will give you an estimate of how much it costs. Please note estimated fees are calculated excluding promotional offers.","id":"-202dd76e-b565-5f56-b427-adb4545a8988","children":[],"parent":null},"title":"See how much it would cost you","wrapperOptions":["ISA","PENSION","JISA"],"wrapperText":{"_id":"3c588c87-09c8-4743-94a5-23af89c4063e","_type":"dictionary","_rev":"NNaYzMKiCJ6MqzAO8LsMeb","_createdAt":"2024-02-13T09:43:58Z","_updatedAt":"2024-02-26T14:17:26Z","key":"calculator-plus-investment-fees-text","value":"Cost shown is the administration fee only. There may be additional third-party investment or fund fees, which depend               entirely on what you pick. Expect these to add about 0.25% to 1% a year to the total cost.","id":"-d139655d-51a3-5b42-948f-a09b57fb6a63","children":[],"parent":null}},{"_key":"ef8c9645422c","_type":"block","children":[{"_key":"6c003e21ecbf","_type":"span","marks":[],"text":""},{"_key":"e37c6924e3c9","_type":"mainAnchor","pageAnchor":{"_ref":"9a9a5fd8-03e4-41c0-8bb9-96205fa99fa0","_type":"reference"}},{"_key":"0d7894bd3df8","_type":"span","marks":[],"text":"Customer reviews "}],"markDefs":[],"style":"h2"},{"_key":"b4077835a7f2","_type":"block","children":[{"_key":"dda02ad2e21a0","_type":"span","marks":[],"text":"Interactive investor customers generally like the “clear” and “low” fees, “easy to use” website, and the very wide range of investment options to choose from. Negative feedback includes the need for more research tools and “too much downtime” on the app due to regular updates."}],"markDefs":[],"style":"normal"},{"_key":"4576979152e5","_type":"yourRatingWidget","company":{"_id":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4gZ","_createdAt":"2021-09-22T15:41:45Z","_updatedAt":"2026-02-17T00:01:25Z","_system":{"base":{"id":"74d5a1e5-87ac-4f50-a28f-a13923a64829","rev":"YjNvQx4tqfWKwO39Egsu3J"}},"bestBuyAward":{"_ref":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"reference"},"bestBuyType":"ISA","companyBBCats":["DIY","GREEN","BIGBRAND"],"companyDisplayName":"Interactive Investor ","companyLogo":{"_type":"mainImage","alt":"Interactive Investor logo","asset":{"_ref":"image-c988342e014f6e550cf4b17e6068ecc77f06d39e-1080x1080-png","_type":"reference"},"blankAltTag":true},"companyName":"ISA Interactive Investor","comparisonCriteria":[{"_key":"0e70877e2778","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"a53a293a059b","_type":"block","children":[{"_key":"2703b3c1d357","_type":"span","marks":[],"text":"Interactive Investor is one of the few groups that has a fixed £ fee, rather than a %. They have 3 different price plans, with the standard plan costing £9.99 per month for an ISA, which also includes one free trade per month."}],"markDefs":[],"style":"normal"}]},{"_key":"e204350eacb8","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"4f778351f05b","_type":"block","children":[{"_key":"8d5f16e0836c","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"6e3ddb217af2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"606d3215038e","_type":"block","children":[{"_key":"58b8be45c475","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"213937547083","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"9528a3a94af6","_type":"block","children":[{"_key":"5b3e794333b6","_type":"span","marks":[],"text":"Funds and Shares: £9.99 per month"}],"markDefs":[],"style":"normal"}]},{"_key":"afafb7cbd951","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"64aa78d305a7","_type":"block","children":[{"_key":"5819c8f2a65c","_type":"span","marks":[],"text":"Funds and Shares: £7.99"}],"markDefs":[],"style":"normal"}]},{"_key":"583e0cb9b41d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"da0fc38c05ec","_type":"block","children":[{"_key":"5af8d7a8863d","_type":"span","marks":[],"text":"1.5% (for a value between £0 and £25k)"}],"markDefs":[],"style":"normal"}]},{"_key":"9c5020ee5553","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"272a019d7c6d","_type":"block","children":[{"_key":"2d5085da3265","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"64e4830c9d8b","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"8d308f5e1cdf","_type":"block","children":[{"_key":"f04cdfd1e21f","_type":"span","marks":[],"text":"No"}],"markDefs":[],"style":"normal"}]},{"_key":"dd2a51bdd309","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"2b00b09c3b80","_type":"block","children":[{"_key":"5579b12a62ef","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8ae6f229f108","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"21b74b287c2a","_type":"block","children":[{"_key":"2daf6d408f01","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"e96a79462867","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"add232c2409f","_type":"block","children":[{"_key":"d57b308f0d5f","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"17a5560364e9","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"f424419a01ff","_type":"block","children":[{"_key":"01b3fa858642","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"6d74b8f7d9dd","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"285f3ac45b7c","_type":"block","children":[{"_key":"7d04e905b7b9","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"82f6319ebbff","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"b5aeea640375","_type":"block","children":[{"_key":"7c7e8aa94a99","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"96047F8D-1E11-4F45-B638-EEDF326EB525","hasOffer":false,"inANutshell":["Low cost for large portfolios","Wide range of investments","Good for share dealing"],"mostPopularRank":3,"noOfReviews":"908","offerText":"Get £50 worth of free trades with an ii Stocks & Shares ISA. T&Cs apply.","ourRating":"8","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"244a4dae-f9f8-44f1-8493-bdf195e5c38d","_type":"reference"},"reviewReference":{"_ref":"22d041fa-4595-43c0-9055-7853b8b849f0","_type":"reference"},"showBBTable":true,"wouldRecommendRating":81.04,"yourRating":"7","id":"-80fffe79-5c14-5c8e-8c67-b81f57eb3d94","children":[],"parent":null}},{"LeftSideText":[{"_key":"a5e385a543a5","_type":"block","children":[{"_key":"ed18ec59ea94","_type":"span","marks":["strong"],"text":"Your opinion matters!"}],"markDefs":[],"style":"normal"},{"_key":"5d776d3410c9","_type":"block","children":[{"_key":"3ae73a68093f","_type":"span","marks":[],"text":"Leave a review for Interactive Investor "}],"markDefs":[],"style":"normal"}],"_key":"d33a61516a08","_type":"companyReviewWidget","buttonText":"RATE PROVIDER","company":{"_id":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4gZ","_createdAt":"2021-09-22T15:41:45Z","_updatedAt":"2026-02-17T00:01:25Z","_system":{"base":{"id":"74d5a1e5-87ac-4f50-a28f-a13923a64829","rev":"YjNvQx4tqfWKwO39Egsu3J"}},"bestBuyAward":{"_ref":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"reference"},"bestBuyType":"ISA","companyBBCats":["DIY","GREEN","BIGBRAND"],"companyDisplayName":"Interactive Investor ","companyLogo":{"_type":"mainImage","alt":"Interactive Investor logo","asset":{"_ref":"image-c988342e014f6e550cf4b17e6068ecc77f06d39e-1080x1080-png","_type":"reference"},"blankAltTag":true},"companyName":"ISA Interactive Investor","comparisonCriteria":[{"_key":"0e70877e2778","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"a53a293a059b","_type":"block","children":[{"_key":"2703b3c1d357","_type":"span","marks":[],"text":"Interactive Investor is one of the few groups that has a fixed £ fee, rather than a %. They have 3 different price plans, with the standard plan costing £9.99 per month for an ISA, which also includes one free trade per month."}],"markDefs":[],"style":"normal"}]},{"_key":"e204350eacb8","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"4f778351f05b","_type":"block","children":[{"_key":"8d5f16e0836c","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"6e3ddb217af2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"606d3215038e","_type":"block","children":[{"_key":"58b8be45c475","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"213937547083","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"9528a3a94af6","_type":"block","children":[{"_key":"5b3e794333b6","_type":"span","marks":[],"text":"Funds and Shares: £9.99 per month"}],"markDefs":[],"style":"normal"}]},{"_key":"afafb7cbd951","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"64aa78d305a7","_type":"block","children":[{"_key":"5819c8f2a65c","_type":"span","marks":[],"text":"Funds and Shares: £7.99"}],"markDefs":[],"style":"normal"}]},{"_key":"583e0cb9b41d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"da0fc38c05ec","_type":"block","children":[{"_key":"5af8d7a8863d","_type":"span","marks":[],"text":"1.5% (for a value between £0 and £25k)"}],"markDefs":[],"style":"normal"}]},{"_key":"9c5020ee5553","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"272a019d7c6d","_type":"block","children":[{"_key":"2d5085da3265","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"64e4830c9d8b","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"8d308f5e1cdf","_type":"block","children":[{"_key":"f04cdfd1e21f","_type":"span","marks":[],"text":"No"}],"markDefs":[],"style":"normal"}]},{"_key":"dd2a51bdd309","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"2b00b09c3b80","_type":"block","children":[{"_key":"5579b12a62ef","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8ae6f229f108","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"21b74b287c2a","_type":"block","children":[{"_key":"2daf6d408f01","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"e96a79462867","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"add232c2409f","_type":"block","children":[{"_key":"d57b308f0d5f","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"17a5560364e9","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"f424419a01ff","_type":"block","children":[{"_key":"01b3fa858642","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"6d74b8f7d9dd","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"285f3ac45b7c","_type":"block","children":[{"_key":"7d04e905b7b9","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"82f6319ebbff","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"b5aeea640375","_type":"block","children":[{"_key":"7c7e8aa94a99","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"96047F8D-1E11-4F45-B638-EEDF326EB525","hasOffer":false,"inANutshell":["Low cost for large portfolios","Wide range of investments","Good for share dealing"],"mostPopularRank":3,"noOfReviews":"908","offerText":"Get £50 worth of free trades with an ii Stocks & Shares ISA. T&Cs apply.","ourRating":"8","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"244a4dae-f9f8-44f1-8493-bdf195e5c38d","_type":"reference"},"reviewReference":{"_ref":"22d041fa-4595-43c0-9055-7853b8b849f0","_type":"reference"},"showBBTable":true,"wouldRecommendRating":81.04,"yourRating":"7","id":"-80fffe79-5c14-5c8e-8c67-b81f57eb3d94","children":[],"parent":null}},{"_key":"eaff3b4dec53","_type":"block","children":[{"_key":"d8d75a547c1b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"843f9b07cb24","_type":"providerReviewsWidget","company":{"_id":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4gZ","_createdAt":"2021-09-22T15:41:45Z","_updatedAt":"2026-02-17T00:01:25Z","_system":{"base":{"id":"74d5a1e5-87ac-4f50-a28f-a13923a64829","rev":"YjNvQx4tqfWKwO39Egsu3J"}},"bestBuyAward":{"_ref":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"reference"},"bestBuyType":"ISA","companyBBCats":["DIY","GREEN","BIGBRAND"],"companyDisplayName":"Interactive Investor ","companyLogo":{"_type":"mainImage","alt":"Interactive Investor logo","asset":{"_ref":"image-c988342e014f6e550cf4b17e6068ecc77f06d39e-1080x1080-png","_type":"reference"},"blankAltTag":true},"companyName":"ISA Interactive Investor","comparisonCriteria":[{"_key":"0e70877e2778","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"a53a293a059b","_type":"block","children":[{"_key":"2703b3c1d357","_type":"span","marks":[],"text":"Interactive Investor is one of the few groups that has a fixed £ fee, rather than a %. They have 3 different price plans, with the standard plan costing £9.99 per month for an ISA, which also includes one free trade per month."}],"markDefs":[],"style":"normal"}]},{"_key":"e204350eacb8","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"4f778351f05b","_type":"block","children":[{"_key":"8d5f16e0836c","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"6e3ddb217af2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"606d3215038e","_type":"block","children":[{"_key":"58b8be45c475","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"213937547083","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"9528a3a94af6","_type":"block","children":[{"_key":"5b3e794333b6","_type":"span","marks":[],"text":"Funds and Shares: £9.99 per month"}],"markDefs":[],"style":"normal"}]},{"_key":"afafb7cbd951","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"64aa78d305a7","_type":"block","children":[{"_key":"5819c8f2a65c","_type":"span","marks":[],"text":"Funds and Shares: £7.99"}],"markDefs":[],"style":"normal"}]},{"_key":"583e0cb9b41d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"da0fc38c05ec","_type":"block","children":[{"_key":"5af8d7a8863d","_type":"span","marks":[],"text":"1.5% (for a value between £0 and £25k)"}],"markDefs":[],"style":"normal"}]},{"_key":"9c5020ee5553","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"272a019d7c6d","_type":"block","children":[{"_key":"2d5085da3265","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"64e4830c9d8b","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"8d308f5e1cdf","_type":"block","children":[{"_key":"f04cdfd1e21f","_type":"span","marks":[],"text":"No"}],"markDefs":[],"style":"normal"}]},{"_key":"dd2a51bdd309","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"2b00b09c3b80","_type":"block","children":[{"_key":"5579b12a62ef","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8ae6f229f108","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"21b74b287c2a","_type":"block","children":[{"_key":"2daf6d408f01","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"e96a79462867","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"add232c2409f","_type":"block","children":[{"_key":"d57b308f0d5f","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"17a5560364e9","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"f424419a01ff","_type":"block","children":[{"_key":"01b3fa858642","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"6d74b8f7d9dd","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"285f3ac45b7c","_type":"block","children":[{"_key":"7d04e905b7b9","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"82f6319ebbff","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"b5aeea640375","_type":"block","children":[{"_key":"7c7e8aa94a99","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"96047F8D-1E11-4F45-B638-EEDF326EB525","hasOffer":false,"inANutshell":["Low cost for large portfolios","Wide range of investments","Good for share dealing"],"mostPopularRank":3,"noOfReviews":"908","offerText":"Get £50 worth of free trades with an ii Stocks & Shares ISA. T&Cs apply.","ourRating":"8","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"244a4dae-f9f8-44f1-8493-bdf195e5c38d","_type":"reference"},"reviewReference":{"_ref":"22d041fa-4595-43c0-9055-7853b8b849f0","_type":"reference"},"showBBTable":true,"wouldRecommendRating":81.04,"yourRating":"7","id":"-80fffe79-5c14-5c8e-8c67-b81f57eb3d94","children":[],"parent":null},"companyReviewPageReference":{"_id":"4b7cba4b-291e-4efa-b50e-3d607bba1e5d","_type":"information","_rev":"DmK61VtPyEhMsfOjcsbalH","_createdAt":"2022-02-03T21:34:48Z","_updatedAt":"2022-03-15T09:33:40Z","body":[{"_key":"b870a33d7976","_type":"providerHeaderWidget","company":{"_ref":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"reference"}},{"_key":"e130a79c73ac","_type":"block","children":[{"_key":"eb8678b6615b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c6156cc7ae29","_type":"block","children":[{"_key":"e6c2330adf8a","_type":"span","marks":[],"text":"We collect reviews and share feedback from real users to give you the best information about providers."}],"markDefs":[],"style":"normal"},{"_key":"af772f1d7ece","_type":"customerReviewsWidget","company":{"_ref":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"reference"}}],"company":{"_ref":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"reference"},"pageBreadcrumb":{"_ref":"0341d04f-fece-405f-9733-85d9d83b5ccc","_type":"reference"},"publishedAt":"2022-01-07T14:00:49.562Z","slug":{"_type":"slug","current":"interactive-investor-customer-reviews"},"subfolder":{"_ref":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"reference"},"title":"Customer Reviews","id":"-3d49b491-ed48-5fc5-a508-77284d5d4f4f","children":[],"parent":null}},{"_key":"b6a504230c76","_type":"block","children":[{"_key":"2d08e68f48de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7bb65f19290f","_type":"block","children":[{"_key":"483808752bd5","_type":"span","marks":[],"text":""},{"_key":"1e9f27779e7e","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"47eec671523c","_type":"span","marks":[],"text":"Most asked questions"}],"markDefs":[],"style":"h2"},{"_key":"a54c04e27f3c","_type":"block","children":[{"_key":"b577fbe1987b","_type":"span","marks":[],"text":""},{"_key":"5dec1d1793da","_type":"mainAnchor","pageAnchor":{"_ref":"d1046785-69e9-496b-ad81-606ac5827160","_type":"reference"}},{"_key":"bf2b5d5052a9","_type":"span","marks":[],"text":" Is interactive investor safe?"}],"markDefs":[],"style":"h3"},{"_key":"5f085379f72d","_type":"block","children":[{"_key":"0bb28d2902170","_type":"span","marks":[],"text":"Cash savings with Interactive Investor are covered by the UK government’s Financial Services Compensation Scheme (FSCS), which guarantees reimbursement up to the value of £120,000 per person in the event that Interactive Investor fails. Any amount above this threshold is unlikely to be covered. Investments with Interactive Investor, on the other hand, are not guaranteed - by their nature, investments can and will go up and down in value."}],"markDefs":[],"style":"normal"},{"_key":"0ede0eecaea6","_type":"block","children":[{"_key":"1c9ab97af394","_type":"span","marks":[],"text":""},{"_key":"f5281984d44b","_type":"mainAnchor","pageAnchor":{"_ref":"565edaa6-ad24-4e23-9720-11938d4dd074","_type":"reference"}},{"_key":"030056b1c28e","_type":"span","marks":[],"text":"Who owns interactive investor?"}],"markDefs":[],"style":"h3"},{"_key":"181198f8317a","_type":"block","children":[{"_key":"d219a5e3e91c0","_type":"span","marks":[],"text":"Interactive investor is a privately-owned company which means you cannot buy shares of ii itself. In May 2022, ii was acquired by global asset management firm abrdn (formerly Standard Life Aberdeen)."}],"markDefs":[],"style":"normal"},{"_key":"339cca4013be","_type":"block","children":[{"_key":"14bae8ebe7af","_type":"span","marks":[],"text":""},{"_key":"6a0f6975bb7b","_type":"mainAnchor","pageAnchor":{"_ref":"2b0bc83e-f74d-4d79-bde5-897aba72c9ba","_type":"reference"}},{"_key":"1592249c8b09","_type":"span","marks":[],"text":"Does interactive investor have an app?"}],"markDefs":[],"style":"h3"},{"_key":"77ddad68e582","_type":"block","children":[{"_key":"dc54af5b952e0","_type":"span","marks":[],"text":"Yes, interactive investor customers can view and manage their account on the mobile app. The mobile app is cleaner and easier to use than the desktop site and there is two-factor authentication as well. Users are able to research, trade and add money to their portfolio which is not common across all apps - there's good depth. There are features to appeal to those who trade regularly such as watchlists and in-depth market research."}],"markDefs":[],"style":"normal"},{"_key":"9760d5ebef04","_type":"block","children":[{"_key":"0b93af3fbc88","_type":"span","marks":[],"text":"You can download it on the "},{"_key":"c82f0426edd7","_type":"span","marks":["c0aca838247f"],"text":"Google Play Store"},{"_key":"8265402a6bd0","_type":"span","marks":[],"text":" and "},{"_key":"ba24dadf3bd7","_type":"span","marks":["668b25bca2ad"],"text":"App Store"},{"_key":"8ef0e06ebe3a","_type":"span","marks":[],"text":". "}],"markDefs":[{"_key":"c0aca838247f","_type":"internalLinkPick","reference":{"_ref":"e526abd5-4b57-4b84-8b51-10f6515bd836","_type":"reference"}},{"_key":"668b25bca2ad","_type":"internalLinkPick","reference":{"_ref":"bb3c841e-2398-462a-bd28-501eda96a754","_type":"reference"}}],"style":"normal"},{"_key":"f7fc4361d631","_type":"block","children":[{"_key":"8d72550cc03e","_type":"span","marks":[],"text":""},{"_key":"8d1e16353142","_type":"mainAnchor","pageAnchor":{"_ref":"4299ca1c-cf4d-436f-8257-48c2221e7b4d","_type":"reference"}},{"_key":"f9c4f700daaa","_type":"span","marks":[],"text":"What is trading credit on interactive investor?"}],"markDefs":[],"style":"h3"},{"_key":"463b88cb334d","_type":"block","children":[{"_key":"fee5465efa3e0","_type":"span","marks":[],"text":"As part of ii’s Investor and Super Investor plans, members receive free trading credits as a reward for their subscription. These credits can be put towards trading fees in any account for the following investments:"}],"markDefs":[],"style":"normal"},{"_key":"71058aa45430","_type":"block","children":[{"_key":"2b0918b1f3990","_type":"span","marks":[],"text":"UK and international shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d40ffa03fca4","_type":"block","children":[{"_key":"1544eabfcd8e0","_type":"span","marks":[],"text":"ETFs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1e2f60139f7b","_type":"block","children":[{"_key":"92c5278f28ce0","_type":"span","marks":[],"text":"Funds"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1363f52fc160","_type":"block","children":[{"_key":"a1e88d278ddc0","_type":"span","marks":[],"text":"Investment trusts"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b518f4f5f6f2","_type":"block","children":[{"_key":"20180fd97b310","_type":"span","marks":[],"text":"Dividend reinvestment"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"eb585344bfdb","_type":"block","children":[{"_key":"c624e19393320","_type":"span","marks":[],"text":"Note that the free trading credit is only available for 31 days after it is issued."}],"markDefs":[],"style":"normal"},{"_key":"34175324dea9","_type":"block","children":[{"_key":"184d812bccdc0","_type":"span","marks":[],"text":"Members will receive their first free trading credit up to 48 hours after your initial service plan fee is successfully taken. Subsequent credits are issued up to 48 hours after your monthly service plan fee is successfully taken."}],"markDefs":[],"style":"normal"},{"_key":"93fad138a399","_type":"block","children":[{"_key":"553c0af5bbd50","_type":"span","marks":[],"text":"You can read more about "},{"_key":"66c361727b94","_type":"span","marks":["2ad4e55d73e8"],"text":"free trading credits "},{"_key":"84e8640f4c7f","_type":"span","marks":[],"text":"on the interactive investor website."}],"markDefs":[{"_key":"2ad4e55d73e8","_type":"internalLinkPick","reference":{"_ref":"42db1f37-59d8-435f-b603-10d4580d3c42","_type":"reference"}}],"style":"normal"},{"_key":"4a7491dab915","_type":"block","children":[{"_key":"80c52f5aeaa5","_type":"span","marks":[],"text":""},{"_key":"b5650303b2ef","_type":"mainAnchor","pageAnchor":{"_ref":"73420b87-6037-401a-8cc7-26b2c713e452","_type":"reference"}},{"_key":"f4267af5d88b","_type":"span","marks":[],"text":"Does interactive investor pay interest on cash?"}],"markDefs":[],"style":"h3"},{"_key":"7ebf50654e73","_type":"block","children":[{"_key":"0f596b52ab1d0","_type":"span","marks":[],"text":"Yes, interactive investor pays interest on cash balances in its ISA, GIA, JISA and SIPP accounts held in British Pounds and US Dollars."}],"markDefs":[],"style":"normal"},{"_key":"6c06c2a498c1","_type":"block","children":[{"_key":"7956d6b8c82f0","_type":"span","marks":[],"text":"At the time of writing, for ISA, GIA and JISA accounts, cash interest applies at the following rates: 1.76% AER on the first £10,000, 2.78% on the value between £10,000.01 - £100,000, and 3.82% on anything over £100,000."}],"markDefs":[],"style":"normal"},{"_key":"e2483e4b2dc7","_type":"block","children":[{"_key":"1ccaff6ee07a0","_type":"span","marks":[],"text":"For SIPP accounts, cash interest is 2.78% AER on the first £10,000, 3.56% on the value between £10,000.01 - £100,000, and 4.07% on anything over £100,000."}],"markDefs":[],"style":"normal"},{"_key":"5e25f621e67a","_type":"block","children":[{"_key":"cf6fc2b135960","_type":"span","marks":[],"text":"Interest on all interactive investor accounts is calculated on your daily cleared credit balance and credited on or around the 25th of each month."}],"markDefs":[],"style":"normal"},{"_key":"02c7458e1e74","_type":"block","children":[{"_key":"453e5970010a0","_type":"span","marks":[],"text":"These rates are subject to change. For the most up to date information, go to the "},{"_key":"2cb4ca9a23ef","_type":"span","marks":["2a19efc10a8e"],"text":"interactive investor website"},{"_key":"652eb9d49b9a","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"2a19efc10a8e","_type":"internalLinkPick","reference":{"_ref":"6df14e3d-1101-40c0-9e62-ffecde78e3b8","_type":"reference"}}],"style":"normal"},{"_key":"f99acb4118c8","_type":"block","children":[{"_key":"f5f9431b875c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"52facea2fb64","_type":"block","children":[{"_key":"e37e9f95214e","_type":"span","marks":["strong"],"text":"Visit the interactive investor website for more information"}],"markDefs":[],"style":"normal"}],"_key":"71c0b69b3018","_type":"ctaWidget","openNewTab":true,"partner":true,"reference":{"_id":"d09e87ba-fe3f-4cbc-9520-4a08a2955495","_type":"linkCategory","_rev":"zmSGUong5OWX1UqrgViMIq","_createdAt":"2024-07-11T08:48:30Z","_updatedAt":"2025-08-18T11:09:30Z","_system":{"base":{"id":"d09e87ba-fe3f-4cbc-9520-4a08a2955495","rev":"lcZn1d37wFg8bje4dn3mda"}},"description":"Affiliate UTM interactive investor ISA","url":"https://prf.hn/click/camref:1011l3ScWm/pubref:boringmoneyisa/destination:https%3A%2F%2Fwww.ii.co.uk%2Facq%2Fopen-isa-account","id":"-b90d7cf4-1587-5a70-804e-c6ac7400c90f","children":[],"parent":null},"text":"VISIT SITE "},{"_key":"cc97233cc96b","_type":"block","children":[{"_key":"0cc1b51a4bda","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ae61ecfb659a","_type":"block","children":[{"_key":"565f0b36e0fe","_type":"span","marks":[],"text":""},{"_key":"f6ef2c96a312","_type":"mainAnchor","pageAnchor":{"_ref":"08f91d37-f8e6-4d45-bf2f-c8d9fb950e62","_type":"reference"}},{"_key":"14b9a8092aa7","_type":"span","marks":[],"text":"Glossary"}],"markDefs":[],"style":"h2"},{"LeftSideText":[{"_key":"fee6100bb3ec","_type":"block","children":[{"_key":"e8efc3d7ce4a","_type":"span","marks":["strong"],"text":"Not 100% sure you understand something we’ve written in this review? "}],"markDefs":[],"style":"normal"},{"_key":"9acb1a0520ad","_type":"block","children":[{"_key":"1b19a24ae829","_type":"span","marks":[],"text":"Discover jargon-free definitions of the most common words and technical terms used in the world of investing."}],"markDefs":[],"style":"normal"}],"_key":"5074696e7598","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_id":"5d7b7a10-93b8-4e8e-b898-eeb81f7bb976","_type":"information","_rev":"tog0wU1YHKUDgALpAlmmZ1","_createdAt":"2023-11-13T14:54:54Z","_updatedAt":"2024-12-20T10:04:12Z","authors":[{"_key":"37f62d1292a8","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"body":[{"_key":"71d249d9d01f","_type":"block","children":[{"_key":"c44a72677fe0","_type":"span","marks":["strong"],"text":"Boring Money's glossary has been created to help you better understand the world of finance and investing. Use it to break through the jargon and learn about common financial words and technical terms that relate to your money. We hope you find it helpful and easy to understand - whether you're a beginner investor or a budding Wolf of Wall Street."}],"markDefs":[],"style":"normal"},{"_key":"0622aa4999ff","_type":"block","children":[{"_key":"ac560989e19a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"626942a663a9","_type":"mainImage","alt":"An image of an open book and a set of Scrabble letters spelling out 'glossary'","asset":{"_ref":"image-e7bb499b6f0e9736ca8cd31bd4ea6864375b3101-1920x1080-png","_type":"reference"}},{"_key":"706b03ba0de6","_type":"block","children":[{"_key":"75b8a99586c0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"565c0c44e4be","_type":"block","children":[{"_key":"36a2528cf8c5","_type":"span","marks":[],"text":"How does it work?"}],"markDefs":[],"style":"h3"},{"_key":"9d83116f0520","_type":"block","children":[{"_key":"9ca4b8af735f","_type":"span","marks":[],"text":"Scroll down to begin learning about terms starting with the letter 'A' or use the menu to the left (below on mobile) to skip to the section you're looking for."}],"markDefs":[],"style":"normal"},{"_key":"4288ba86f457","_type":"anchorMenuMobile","title":"s"},{"_key":"f5045e0032ed","_type":"block","children":[{"_key":"6f2de6882cc7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"40848fa4f9f3","_type":"block","children":[{"_key":"8d84c97822a0","_type":"span","marks":[],"text":""},{"_key":"55f89ac5b1f8","_type":"mainAnchor","pageAnchor":{"_ref":"9f33a9fe-bf26-47e6-980a-92ef56b35048","_type":"reference"}},{"_key":"6d156f2bb4ec","_type":"span","marks":[],"text":""},{"_key":"f9cdf9c18a56","_type":"mainAnchor","pageAnchor":{"_ref":"7f2fc9e3-0c19-418f-8982-8172e658c6e6","_type":"reference"}},{"_key":"f459a572abb6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a676fa7fc813","_type":"dropdownWidget","items":[{"_key":"4231c712c52f","_type":"dropdownObject","text":[{"_key":"37f2f69c7e6d","_type":"block","children":[{"_key":"323f23660f73","_type":"span","marks":[],"text":"Accumulating (Acc)"}],"markDefs":[],"style":"h4"},{"_key":"1517798f4932","_type":"block","children":[{"_key":"ca4b7e32c4fb","_type":"span","marks":[],"text":"This is a descriptor used when a fund reinvests any dividends back into the fund itself and thus accumulates over time. In other words, you do not earn an income from an Acc fund, but it may suit 'growth' investors who want to prioritise the value of their assets growing over time."}],"markDefs":[],"style":"normal"},{"_key":"06fe8c08d34c","_type":"block","children":[{"_key":"c00d44a3a0a1","_type":"span","marks":[],"text":"Actively managed"}],"markDefs":[],"style":"h4"},{"_key":"cc645aa7f11c","_type":"block","children":[{"_key":"b5216f215395","_type":"span","marks":[],"text":"An actively managed investment is run by a professional or group of professionals, usually called portfolio managers or fund managers, who make decisions about what to buy to try and outperform the market for their customers. Actively managed investments are different from passive investments."}],"markDefs":[],"style":"normal"},{"_key":"8a51ed8d3cb6","_type":"block","children":[{"_key":"2ad7da7a77c4","_type":"span","marks":[],"text":"Alpha"}],"markDefs":[],"style":"h4"},{"_key":"38ae0c3ea765","_type":"block","children":[{"_key":"b887c801ca5f0","_type":"span","marks":[],"text":"Alpha is how much better (or worse) an investment performs compared to what you'd expect it to perform, considering its risk level."}],"markDefs":[],"style":"normal"},{"_key":"036f3b595cd1","_type":"block","children":[{"_key":"e91a4879862a0","_type":"span","marks":[],"text":"Think of it like this: If you're taking on a certain amount of risk with an investment, there's a typical return you should expect. Alpha tells you if you're getting more or less than that expected return. A positive alpha means you're beating expectations, while a negative alpha means you're falling short."}],"markDefs":[],"style":"normal"},{"_key":"47ceb3d0e5b3","_type":"block","children":[{"_key":"be9cea48e946","_type":"span","marks":[],"text":"Annuity"}],"markDefs":[],"style":"h4"},{"_key":"e65b4d55194e","_type":"block","children":[{"_key":"ddbe25414f44","_type":"span","marks":[],"text":"An annuity is a product you can buy which pays out a guaranteed, regular stream of income. They are most often purchased by retirees to convert their retirement savings into annual income packages. This is an alternative to pension drawdown, where you withdraw cash from your pension at your own discretion."}],"markDefs":[],"style":"normal"},{"_key":"099e5cf58cd6","_type":"block","children":[{"_key":"2f6cb36e28fe","_type":"span","marks":[],"text":"Asset"}],"markDefs":[],"style":"h4"},{"_key":"18b4a1b002ae","_type":"block","children":[{"_key":"926ed2451b39","_type":"span","marks":[],"text":"Assets are anything you own that has monetary value. In the investing world, these are the individual things you're investing in. Common examples of assets include shares, bonds, property or cash. Asset allocation refers to how different assets are divided up as part of an investment portfolio."}],"markDefs":[],"style":"normal"},{"_key":"dab68c3b6bb7","_type":"block","children":[{"_key":"bfc283794767","_type":"span","marks":[],"text":"Asset allocation"}],"markDefs":[],"style":"h4"},{"_key":"26ce35095abc","_type":"block","children":[{"_key":"a291ba78009c","_type":"span","marks":[],"text":"Asset allocation refers to the way an investor divides their portfolio among different asset classes. For example, 70% in shares and 30% in bonds. The mix of different assets and the proportion of the overall portfolio that these they make up is a key component of managing a successful investment portfolio."}],"markDefs":[],"style":"normal"},{"_key":"9e980c7e8754","_type":"block","children":[{"_key":"ec3e78058b24","_type":"span","marks":[],"text":"Asset class"}],"markDefs":[],"style":"h4"},{"_key":"62e64c1903ce","_type":"block","children":[{"_key":"6d7fcedf18fc","_type":"span","marks":[],"text":"An asset class or asset type is a group of assets which share similar characteristics and are subject to the same rules and regulations. For example, shares, bonds, cash, foreign currency and property are all different asset classes."}],"markDefs":[],"style":"normal"},{"_key":"9dee2de9597f","_type":"block","children":[{"_key":"36fcf25cd6a6","_type":"span","marks":[],"text":"Asset manager"}],"markDefs":[],"style":"h4"},{"_key":"3ad4e7951296","_type":"block","children":[{"_key":"56b0f6520f8e","_type":"span","marks":[],"text":"An asset manager is an individual or company whose job is to create and manage investments. Asset management firms develop, manage and continually monitor investment products, such as funds, with the aim of generating growth for their investors. Examples of large asset management firms include BlackRock, Fidelity and Invesco."}],"markDefs":[],"style":"normal"},{"_key":"5ebb41045d42","_type":"block","children":[{"_key":"b2c24736f8af","_type":"span","marks":[],"text":"Ask price"}],"markDefs":[],"style":"h4"},{"_key":"f06a7b38f586","_type":"block","children":[{"_key":"d232e86c9379","_type":"span","marks":[],"text":"The ask price is the lowest price at which a seller states they are willing to sell an investment. It is often referred to in conjunction with the bid price or the bid-ask spread."}],"markDefs":[],"style":"normal"},{"_key":"d8b3a16e38e2","_type":"block","children":[{"_key":"7df1011bfe49","_type":"span","marks":[],"text":"Assets Under Management (AUM)"}],"markDefs":[],"style":"h4"},{"_key":"de3a3453aa14","_type":"block","children":[{"_key":"744a2102ea02","_type":"span","marks":[],"text":"AUM stands for Assets Under Management and refers to the total market value of the investments managed by an entity such as a fund or a bank. In other words, it shows how much money is currently in invested in it, based on today's valuations. For example, if 1,000 investors put £1 into a fund, the fund would have £1,000 AUM. If the market then went up by 10%, its AUM would rise to £1,100."}],"markDefs":[],"style":"normal"}],"title":"A"}]},{"_key":"9426e466fc01","_type":"block","children":[{"_key":"0868deee419b","_type":"span","marks":[],"text":""},{"_key":"ed0281f96ed1","_type":"mainAnchor","pageAnchor":{"_ref":"83dd3813-7e20-41a6-9d6f-2400df97ef06","_type":"reference"}},{"_key":"d7533db16edd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4f32e512718f","_type":"dropdownWidget","items":[{"_key":"1f66a423f34d","_type":"dropdownObject","text":[{"_key":"e3a91e48b13e","_type":"block","children":[{"_key":"f01613493bd3","_type":"span","marks":[],"text":"Base rate"}],"markDefs":[],"style":"h4"},{"_key":"953c008bf369","_type":"block","children":[{"_key":"fed6b9794a7f","_type":"span","marks":[],"text":"The base rate is the interest rate which central banks, such as the Bank of England, charge other banks and financial institutions for taking out a loan. It influences the interest rates charged on things like personal loans and mortgages. For example, if the base rate goes up, the interest rate on a personal loan may go up. The Bank of England website has a useful illustration of the base rate and its historic movements "},{"_key":"65073a82f5b4","_type":"span","marks":["294f87d04ee5"],"text":"here"},{"_key":"ce325060ab94","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"294f87d04ee5","_type":"internalLinkPick","reference":{"_ref":"0273c843-7730-468c-8dae-3576ce29fda7","_type":"reference"}}],"style":"normal"},{"_key":"3fe6f158a436","_type":"block","children":[{"_key":"320ee5c43f00","_type":"span","marks":[],"text":"Basis points (bps)"}],"markDefs":[],"style":"h4"},{"_key":"77392871e776","_type":"block","children":[{"_key":"76782f22eb64","_type":"span","marks":[],"text":"Basis points or bps are a unit of measurement equal to 1/100th of a percentage point. This is commonly used to express changes to interest rates or prices, such as when a investment company alters its fees. You might, for example, hear on the news that the Bank of England has increased interest rates by 25 basis points (0.25%)."}],"markDefs":[],"style":"normal"},{"_key":"0e3e99b9a0ec","_type":"block","children":[{"_key":"cd99224042b7","_type":"span","marks":[],"text":"Bear market"}],"markDefs":[],"style":"h4"},{"_key":"a5a4028a6402","_type":"block","children":[{"_key":"72714a34b9860","_type":"span","marks":[],"text":"A bear market happens when share prices are falling or are expected to fall - like during a recession (hence it is generally considered to signal tough times ahead). The broad definition of a bear market is when a large proportion of share prices fall 20% or more. The adjective \"bearish\" can be used to describe individual assets, such as shares or currency, as well as the stock market itself. It is the opposite of \"bull market\"."}],"markDefs":[],"style":"normal"},{"_key":"b650d524c736","_type":"block","children":[{"_key":"93956ba104f7","_type":"span","marks":[],"text":"Benchmark"}],"markDefs":[],"style":"h4"},{"_key":"ba5e95becc76","_type":"block","children":[{"_key":"62f8fb8400ad","_type":"span","marks":[],"text":"A benchmark is the standard against which an investment is measured in order to judge its relative performance, asset allocation or risk. It’s usually an index or fund that is used as a point of comparison for investments made up of similar assets. For example, the S&P 500 index is a common benchmark used to compare the performance of shares in large, American companies."}],"markDefs":[],"style":"normal"},{"_key":"13b261412d98","_type":"block","children":[{"_key":"0fb88dd461ff","_type":"span","marks":[],"text":"Beneficiary"}],"markDefs":[],"style":"h4"},{"_key":"039ad5b3883b","_type":"block","children":[{"_key":"0c1ab210da81","_type":"span","marks":[],"text":"A beneficiary is an individual who receives money or assets, usually as part of a deceased person's will, pension or life insurance policy. You can usually nominate your chosen beneficiary or beneficiaries, but unless specified otherwise, your spouse, civil partner and/or next of kin are typically treated as your beneficiaries by default."}],"markDefs":[],"style":"normal"},{"_key":"40e65eb9d02a","_type":"block","children":[{"_key":"49a303acc7ff","_type":"span","marks":[],"text":"Bid-ask spread"}],"markDefs":[],"style":"h4"},{"_key":"98c76c5c6e2a","_type":"block","children":[{"_key":"b02d71561f0e","_type":"span","marks":[],"text":"The bid-ask spread is the amount by which the ask price (the lowest price the seller is willing to sell at) exceeds the bid price (the highest price the buyer is willing to buy at). A low bid-ask spread is considered more desirable as it facilitates quicker and easier trades, whereas a high bid-ask spread may become an obstacle and make it more difficult to complete a trade."}],"markDefs":[],"style":"normal"},{"_key":"73b7314ce137","_type":"block","children":[{"_key":"1ffc1d9e80f2","_type":"span","marks":[],"text":"Bid price"}],"markDefs":[],"style":"h4"},{"_key":"be1f08a4cb5d","_type":"block","children":[{"_key":"2660920b7428","_type":"span","marks":[],"text":"The bid price is the highest price a buyer is willing to pay for an investment. It's often referred to in conjunction with the ask price or the bid-ask spread."}],"markDefs":[],"style":"normal"},{"_key":"ad47e8b69c37","_type":"block","children":[{"_key":"d6642431907f","_type":"span","marks":[],"text":"Bond"}],"markDefs":[],"style":"h4"},{"_key":"1086f1593163","_type":"block","children":[{"_key":"36c41fda7d6c","_type":"span","marks":[],"text":"A bond is a type of asset that represents a loan. Bonds are usually issued by a government, company or agency that wants to raise money to fund its operations. The loan is granted in exchange for a defined rate of interest, called a \"coupon\", over a set period of time. At the end of this period, the initial amount is repaid in full - on top of the accrued interest. "}],"markDefs":[],"style":"normal"},{"_key":"944ac4a5b7a8","_type":"block","children":[{"_key":"303b551b4f65","_type":"span","marks":[],"text":"Bull market"}],"markDefs":[],"style":"h4"},{"_key":"11cb1724a666","_type":"block","children":[{"_key":"fb43c016d7f7","_type":"span","marks":[],"text":"A bull market occurs when prices are rising or are expected to rise - for example, during a recovery after a recession (therefore it is often seen as a positive sign). The most widely-accepted point at which it becomes a bull market is when a large proportion of share prices rise 20% or more. Like \"bearish\", the term \"bullish\" can also be used to describe individual assets as well as the stock market."}],"markDefs":[],"style":"normal"}],"title":"B"}]},{"_key":"5ecf0c91627c","_type":"block","children":[{"_key":"64a289cbf370","_type":"span","marks":[],"text":""},{"_key":"804133d4cacc","_type":"mainAnchor","pageAnchor":{"_ref":"5527799a-6336-4789-87ba-9c1a41547057","_type":"reference"}},{"_key":"e1880a04ce67","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cbcf283a4cb8","_type":"dropdownWidget","items":[{"_key":"0379e3b9ffd2","_type":"dropdownObject","text":[{"_key":"2291889539ae","_type":"block","children":[{"_key":"1540d6ea60190","_type":"span","marks":[],"text":"Capital gains"}],"markDefs":[],"style":"h4"},{"_key":"417d58fff95b","_type":"block","children":[{"_key":"01333c1618c6","_type":"span","marks":[],"text":"A capital gain is the profit - the \"gain\" or sometimes called the \"return\" - you make if you sell an investment at a higher price than what you bought it for."}],"markDefs":[],"style":"normal"},{"_key":"14c849774176","_type":"block","children":[{"_key":"e41742f57156","_type":"span","marks":[],"text":"Capital Gains Tax (CGT)"}],"markDefs":[],"style":"h4"},{"_key":"523b87035a57","_type":"block","children":[{"_key":"b2a176e90d5e","_type":"span","marks":[],"text":"Capital Gains Tax or CGT is a tax charged on the gains you make from selling an investment. It only applies if your gains exceed the annual allowance and is calculated at different rates depending on your usual tax bracket. It does not apply if you invest through a tax-free ISA. See our full guide "},{"_key":"23f5530af69b","_type":"span","marks":["5333e4dc7c81"],"text":"here"},{"_key":"b177ec33e172","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"5333e4dc7c81","_type":"internalLinkPick","reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}}],"style":"normal"},{"_key":"e131cf527dc2","_type":"block","children":[{"_key":"568c655acceb","_type":"span","marks":[],"text":"Commodity"}],"markDefs":[],"style":"h4"},{"_key":"ffc841627173","_type":"block","children":[{"_key":"0e9764833cd0","_type":"span","marks":[],"text":"A commodity is a physical asset - usually a raw material or resource - such as wheat, gold or oil. \"Hard\" commodities refer to assets which must be mined or extracted, like gold or oil. \"Soft\" commodities are farmed or grown, such as wheat or coffee."}],"markDefs":[],"style":"normal"},{"_key":"925f76196a02","_type":"block","children":[{"_key":"df1b286ea923","_type":"span","marks":[],"text":"Compound interest"}],"markDefs":[],"style":"h4"},{"_key":"172a4d9f7b98","_type":"block","children":[{"_key":"044f75d18415","_type":"span","marks":[],"text":"Compound interest is the interest earned on savings or investments, including any earned previously. It grows exponentially and is a key advantage to starting out investing sooner rather than later - to give your investments more time, and thus more opportunity, to grow."}],"markDefs":[],"style":"normal"},{"_key":"e798e224c73a","_type":"block","children":[{"_key":"fad7af764672","_type":"span","marks":[],"text":"Consumer Price Index (CPI)"}],"markDefs":[],"style":"h4"},{"_key":"9818f8d23135","_type":"block","children":[{"_key":"f9a479008f5c","_type":"span","marks":[],"text":"The Consumer Price Index or CPI is a widely-used measure of inflation. It is used to represent the average change in prices across a range of goods and services that are typically purchased by UK households - for example, food and clothing. Core CPI excludes energy, food, alcohol and tobacco."}],"markDefs":[],"style":"normal"},{"_key":"39094b1cec8d","_type":"block","children":[{"_key":"5f7724e63ffa","_type":"span","marks":[],"text":"Copy trader"}],"markDefs":[],"style":"h4"},{"_key":"fc45fb444e81","_type":"block","children":[{"_key":"dbad6fb88be4","_type":"span","marks":[],"text":"A copy trader is someone who replicates the trades of someone else - usually, but not necessarily, an investing professional. The idea is to find an individual with a good track record and then copy their trades without having to assess or analyse anything yourself."}],"markDefs":[],"style":"normal"},{"_key":"32d73502e011","_type":"block","children":[{"_key":"6bb0057d23bf","_type":"span","marks":[],"text":"Corporate bond"}],"markDefs":[],"style":"h4"},{"_key":"671cdb804b1c","_type":"block","children":[{"_key":"bbd639400aed","_type":"span","marks":[],"text":"A corporate bond is a type of bond issued by a company. "}],"markDefs":[],"style":"normal"},{"_key":"c96a547a2bd7","_type":"block","children":[{"_key":"26b5e8c4cf51","_type":"span","marks":[],"text":"Credit rating"}],"markDefs":[],"style":"h4"},{"_key":"39869e40a5e5","_type":"block","children":[{"_key":"cb47f569539f","_type":"span","marks":[],"text":"A credit rating is a letter grade given to the issuer of a bond to indicate its \"quality\" - that is, the likelihood that the issuer will be able to keep up with their repayments and not default. The biggest bond credit rating agencies in the world are Standard & Poors, Moody's and Fitch. Credit ratings are regularly reviewed and can change at any time."}],"markDefs":[],"style":"normal"},{"_key":"da6c3c36816d","_type":"block","children":[{"_key":"e95462dc2e6a","_type":"span","marks":[],"text":"Credit reference agencies"}],"markDefs":[],"style":"h4"},{"_key":"efab9ccb32df","_type":"block","children":[{"_key":"2d8210715c17","_type":"span","marks":[],"text":"Credit reference agencies are companies which monitor and investigate an individual's personal and financial records to make a judgement on whether or not lenders should lend them money. This judgement is called a credit score. Banks and loan companies use credit reference agencies to determine if someone is essentially trustworthy or not, based on factors such as their financial stability and their history of using credit responsibly. The biggest credit reference agencies in the UK are Equifax, Experian and Transunion. You can read more about credit reference agencies and scores in our guide "},{"_key":"dca782b99c6a","_type":"span","marks":["1ecaca13bbc1"],"text":"here"},{"_key":"77150c16aa41","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"1ecaca13bbc1","_type":"internalLinkPick","reference":{"_ref":"c35a2e48-fee0-4432-9a04-c3843110c519","_type":"reference"}}],"style":"normal"},{"_key":"9e9511602cd3","_type":"block","children":[{"_key":"fdc6fb0ad574","_type":"span","marks":[],"text":"Credit score"}],"markDefs":[],"style":"h4"},{"_key":"dcbf5a620aa6","_type":"block","children":[{"_key":"fbac345cf8e0","_type":"span","marks":[],"text":"A credit score is number which represents an individual's perceived creditworthiness - that is, how trustworthy and sensible you can be when you're given credit from a lender. Having and maintaining a good credit score can mean you get access to lower interest rates when you borrow or on your mortgage. A poor credit score can mean you are refused credit, such as a loan, which in turn can drag your score down even further. You can read more about credit scores in our full guide "},{"_key":"5b94a6a2fc04","_type":"span","marks":["b92a08e0e54d"],"text":"here"},{"_key":"380456b52813","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b92a08e0e54d","_type":"internalLinkPick","reference":{"_ref":"c35a2e48-fee0-4432-9a04-c3843110c519","_type":"reference"}}],"style":"normal"},{"_key":"eab5c250ee9a","_type":"block","children":[{"_key":"feecf9f1c857","_type":"span","marks":[],"text":"Cryptocurrency"}],"markDefs":[],"style":"h4"},{"_key":"9cc75c1e390c","_type":"block","children":[{"_key":"5f051b150e01","_type":"span","marks":[],"text":"Cryptocurrency or just \"crypto\" is a type of digital or virtual currency that uses cryptography for secure and decentralised (not managed by a central bank or government) transactions. Cryptocurrencies use a technology called blockchain to record and verify transactions. They can be used to buy goods and services online, and their value can fluctuate, similar to traditional currencies. Examples of cryptocurrencies include Bitcoin and Ethereum. As they're not controlled by central banks, cryptocurrencies tend to be highly volatile so prices can fluctuate frequently and significantly."}],"markDefs":[],"style":"normal"},{"_key":"4fd6edeaec1a","_type":"block","children":[{"_key":"1518ea976f720","_type":"span","marks":[],"text":"\n"}],"markDefs":[],"style":"normal"}],"title":"C"}]},{"_key":"4b6b7fd8b07b","_type":"block","children":[{"_key":"ada48575a2af","_type":"span","marks":[],"text":""},{"_key":"6530e9c4006c","_type":"mainAnchor","pageAnchor":{"_ref":"910b05df-3708-42e8-97a7-169bace209dc","_type":"reference"}},{"_key":"7b93e7b2e8c0","_type":"span","marks":[],"text":""},{"_key":"0bf5c2186bdc","_type":"mainAnchor","pageAnchor":{"_ref":"ad8b1420-9d8d-410a-b18d-2daa20381fcc","_type":"reference"}},{"_key":"e8b1e9b70cc5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dab1c4611b0a","_type":"dropdownWidget","items":[{"_key":"56026e1440db","_type":"dropdownObject","text":[{"_key":"b1a5d07b5519","_type":"block","children":[{"_key":"80c833b2a5e6","_type":"span","marks":[],"text":"Day trading"}],"markDefs":[],"style":"h4"},{"_key":"d456dd423bbd","_type":"block","children":[{"_key":"087683ad21d9","_type":"span","marks":[],"text":"Day trading is the practice of rapidly buying and selling shares throughout the day in the hope of making a profit as a result of small price fluctuations. This is a technique used by experienced investors and involves holding investments for as little as seconds before selling them on again."}],"markDefs":[],"style":"normal"},{"_key":"ad51307e03f7","_type":"block","children":[{"_key":"66009eb60584","_type":"span","marks":[],"text":"Deflation"}],"markDefs":[],"style":"h4"},{"_key":"eaf1f5e0a1aa","_type":"block","children":[{"_key":"33a0aa1e3191","_type":"span","marks":[],"text":"Deflation is the opposite of inflation. It occurs when the average price of goods and services decreases - or, simply put, when inflation falls below 0%."}],"markDefs":[],"style":"normal"},{"_key":"b113932d8759","_type":"block","children":[{"_key":"ad06d7ffd382","_type":"span","marks":[],"text":"Derivatives"}],"markDefs":[],"style":"h4"},{"_key":"52162e92758f","_type":"block","children":[{"_key":"7319e1b21a9b0","_type":"span","marks":[],"text":"A derivative is a financial contract that derives its value from the performance of an underlying asset, such as shares, bonds, commodities, or indices. It doesn't have intrinsic value on its own but rather \"derives\" its value from the price movements of the underlying asset. Derivatives can be used for various purposes, such as hedging against risks or speculating on price movements."}],"markDefs":[],"style":"normal"},{"_key":"a394c84d991b","_type":"block","children":[{"_key":"b6049561925e","_type":"span","marks":[],"text":"Distributing (Dist)"}],"markDefs":[],"style":"h4"},{"_key":"d92275473edc","_type":"block","children":[{"_key":"b91003a2ff33","_type":"span","marks":[],"text":"This is a descriptor used when a fund pays out a dividend to its investors. It is the opposite of an Accumulation or 'Acc' fund (see definition under 'A')."}],"markDefs":[],"style":"normal"},{"_key":"539ee7d465b2","_type":"block","children":[{"_key":"65bd7ce14307","_type":"span","marks":[],"text":"Diversification"}],"markDefs":[],"style":"h4"},{"_key":"329208177bd2","_type":"block","children":[{"_key":"3b6a386c064f","_type":"span","marks":[],"text":"Diversification is the process of spreading your investment portfolio across different asset classes, such as partially in shares and partially in bonds, in order to reduce risk. In other words, you're not putting all your eggs in one basket."}],"markDefs":[],"style":"normal"},{"_key":"c96483c20943","_type":"block","children":[{"_key":"6a15f3d9e40c","_type":"span","marks":[],"text":"Dividends"}],"markDefs":[],"style":"h4"},{"_key":"81ec74a9bae8","_type":"block","children":[{"_key":"0ef8678d6d8c","_type":"span","marks":[],"text":"A dividend is like a cash bonus you get in return for investing in something. Dividends can be paid out on a monthly, biannual or annual basis and are attractive to investors who want a regular source of income from their portfolio."}],"markDefs":[],"style":"normal"},{"_key":"4c75ea0167f5","_type":"block","children":[{"_key":"a588336ef627","_type":"span","marks":[],"text":"Dividend Tax"}],"markDefs":[],"style":"h4"},{"_key":"fb9b962ffb9c","_type":"block","children":[{"_key":"505efaba78bd","_type":"span","marks":[],"text":"Dividend Tax is a type of tax you pay on any dividends you receive which exceed a certain threshold (£1,000 for the 2023-24 tax year). The rate of Dividend Tax payable depends on your usual tax bracket. The good news is that you don't need to worry about paying it if you invest through an ISA - because it's completely shielded from tax. Read more on Dividend Tax "},{"_key":"a29ca2f7f744","_type":"span","marks":["1e3e7b70b4a2"],"text":"here"},{"_key":"ffae21d9273f","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"1e3e7b70b4a2","_type":"internalLinkPick","reference":{"_ref":"57154d8d-128e-4541-9b01-04fa337e30da","_type":"reference"}}],"style":"normal"},{"_key":"9233f5698c24","_type":"block","children":[{"_key":"bd6807f9443a","_type":"span","marks":[],"text":"Dividend yield"}],"markDefs":[],"style":"h4"},{"_key":"5c22f9656b4a","_type":"block","children":[{"_key":"a40094e339e7","_type":"span","marks":[],"text":"Dividend yields are used to compare the relative value of dividends across different investments. It's calculated by dividing the annual dividend per share by the current share price. For example, if the share price of a company was £100 and the annual dividend was £3, that would mean the dividend yield was 3%. However, let's say there was another company which had a share price of £300 but its dividends were also £3 - in this case, the dividend yield would be just 1%."}],"markDefs":[],"style":"normal"},{"_key":"e422ccc71322","_type":"block","children":[{"_key":"6dd3c3622cb6","_type":"span","marks":[],"text":"Drawdown"}],"markDefs":[],"style":"h4"},{"_key":"815a577048c1","_type":"block","children":[{"_key":"0e5db08726bf","_type":"span","marks":[],"text":"Drawdown is a method of accessing your pension which involves taking out money when you want to, as opposed to in regular intervals like with an annuity. Flexi-access drawdown is a type of drawdown that gives you the flexibility to withdraw as and when you choose while leaving the rest of your pension invested. Capped drawdown is less common but involves having a maximum amount you can withdraw from your pot each year."}],"markDefs":[],"style":"normal"},{"_key":"1a86b1810957","_type":"block","children":[{"_key":"90b1dd69c087","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"D"}]},{"_key":"8bffcbc2afc5","_type":"block","children":[{"_key":"ca78c9cc03f5","_type":"span","marks":[],"text":""},{"_key":"72158018629f","_type":"mainAnchor","pageAnchor":{"_ref":"8b17cc79-4360-4530-9922-0aad8843a36b","_type":"reference"}},{"_key":"243c743ccb0c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"abd9c07924b7","_type":"dropdownWidget","items":[{"_key":"ebb83dae0d6d","_type":"dropdownObject","text":[{"_key":"b8d8ae1df1a4","_type":"block","children":[{"_key":"b7f8f0496ec7","_type":"span","marks":[],"text":"Emerging market"}],"markDefs":[],"style":"h4"},{"_key":"988036eac608","_type":"block","children":[{"_key":"e6ce0d5aff4c","_type":"span","marks":[],"text":"An emerging market is a country with an economy considered to be at an earlier stage of development than a more established country - e.g. India compared to the USA. Emerging market investments are usually considered to carry more risk, often because there is less information about them or less strong regulation in the economy they're based in."}],"markDefs":[],"style":"normal"},{"_key":"0bf72b93a6b3","_type":"block","children":[{"_key":"f281244e9629","_type":"span","marks":[],"text":"Equities"}],"markDefs":[],"style":"h4"},{"_key":"f82c7aff08b0","_type":"block","children":[{"_key":"92f7cd20a2bb","_type":"span","marks":[],"text":"Equities are another word for shares or stocks. They are small slices of a company which you can own and buy or sell on the stock market."}],"markDefs":[],"style":"normal"},{"_key":"141ae14822b1","_type":"block","children":[{"_key":"296f517ba03e","_type":"span","marks":[],"text":"ESG"}],"markDefs":[],"style":"h4"},{"_key":"f5d2b8a0a21b","_type":"block","children":[{"_key":"f5fee22e6598","_type":"span","marks":[],"text":"An acronym for Environmental, Social and Governance, ESG is a broad set of metrics often used to measure the perceived sustainability of an investment. ESG is increasingly popular as a method of assessing the environmental and social impact of investments, particularly for investors looking for \"green\" or \"impact\" investments - essentially, investments that claim to do some good for the world."}],"markDefs":[],"style":"normal"},{"_key":"b4065cf8967d","_type":"block","children":[{"_key":"ab1394a07929","_type":"span","marks":[],"text":"Exchange-Traded Fund (ETF)"}],"markDefs":[],"style":"h4"},{"_key":"c181cc772c9c","_type":"block","children":[{"_key":"ca38451ec42a","_type":"span","marks":[],"text":"An Exchange Traded Fund or ETF is a type of fund made up of a number of assets which can be bought and sold on the stock market, in the same way as you would with individual shares. ETFs can invest in lots of different asset classes. Think of them like an investment \"playlist\" - an easy way to access a collection of things. Read our full guide "},{"_key":"23158402d5f1","_type":"span","marks":["56ae5a394317"],"text":"here"},{"_key":"c394c37cb220","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"56ae5a394317","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}}],"style":"normal"},{"_key":"c78dc6d2781c","_type":"block","children":[{"_key":"74dc5e3de049","_type":"span","marks":[],"text":"Exchange-Traded Commodity (ETC)"}],"markDefs":[],"style":"h4"},{"_key":"7aebfd8a61b3","_type":"block","children":[{"_key":"26e6ff37c6ef","_type":"span","marks":[],"text":"Exchange-Traded Commodities or ETCs are traded on the stock market, like individual shares, but track the price of a commodity or commodity index. They allow investors to gain exposure to commodities without buying the commodity itself (e.g. bars of real gold). ETCs have a share price which moves up and down as the price of the underlying commodity fluctuates in value. ETC can also sometimes refer to a commodity-focused ETF."}],"markDefs":[],"style":"normal"},{"_key":"9328c8205f0d","_type":"block","children":[{"_key":"1aac8935be460","_type":"span","marks":[],"text":"Exchange rate"}],"markDefs":[],"style":"h4"},{"_key":"d1c75783bf6e","_type":"block","children":[{"_key":"d561f1a357bb","_type":"span","marks":[],"text":"The exchange rate is the value of one country’s currency compared to that of another country. For example, if the exchange rate for US dollars to Euros was 1.5, you would receive 1.5 US dollars for every 1 Euro. "}],"markDefs":[],"style":"normal"},{"_key":"1f9566e93f88","_type":"block","children":[{"_key":"fbc41b219e1c","_type":"span","marks":[],"text":"Exposure"}],"markDefs":[],"style":"h4"},{"_key":"89bdc66ae746","_type":"block","children":[{"_key":"c82ac913472f","_type":"span","marks":[],"text":"Exposure is the proportion of an fund or portfolio invested in a sector, asset class or region, usually expressed as a percentage of the overall portfolio. For example, a fund with 75% exposure to China would have 75% of its assets invested in products related to or in China."}],"markDefs":[],"style":"normal"}],"title":"E"}]},{"_key":"ed105803ac21","_type":"block","children":[{"_key":"50ef4379faf6","_type":"span","marks":[],"text":""},{"_key":"1a9a9d6c5bbe","_type":"mainAnchor","pageAnchor":{"_ref":"cab87a53-d248-4bca-9027-95cde5f09dee","_type":"reference"}},{"_key":"7e9d5954b399","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7d4031f100e7","_type":"dropdownWidget","items":[{"_key":"20f49d4cdd10","_type":"dropdownObject","text":[{"_key":"5664818f4188","_type":"block","children":[{"_key":"0df3cd7dfc07","_type":"span","marks":[],"text":"Fiscal year"}],"markDefs":[],"style":"h4"},{"_key":"9eae0a83b473","_type":"block","children":[{"_key":"f0351ceb38b0","_type":"span","marks":[],"text":"A fiscal, financial or tax year is a 12-month period identified for accounting, auditing and budgeting purposes which differs from the normal 1 January - 31 December calendar year. For example, the UK government's fiscal year is from 6 April - 5 April. "}],"markDefs":[],"style":"normal"},{"_key":"c251759cf163","_type":"block","children":[{"_key":"b592f9d4e61e","_type":"span","marks":[],"text":"Fixed income"}],"markDefs":[],"style":"h4"},{"_key":"4603ba5063b2","_type":"block","children":[{"_key":"c88a1d384089","_type":"span","marks":[],"text":"Fixed income is the name given to an asset class which pays investors a regular source of income - for example, from bonds. Fixed income investments do not fluctuate, like dividends can, nor do they move in line with inflation."}],"markDefs":[],"style":"normal"},{"_key":"b6c17a01b889","_type":"block","children":[{"_key":"30ce13d2bc02","_type":"span","marks":[],"text":"Fractional shares"}],"markDefs":[],"style":"h4"},{"_key":"c206a008777a","_type":"block","children":[{"_key":"66d9c403be94","_type":"span","marks":[],"text":"A fractional share is a part of a whole share - for example, 0.25% of a share. Investors can opt to buy fractional shares if they want to invest a small amount in a share which is typically very expensive, such as with large companies like Amazon, Disney or Tesla. Fractional shares are helpful for investors who have a small portfolio or who are interested in buying a bit of a share but don’t want to commit to a whole one. "}],"markDefs":[],"style":"normal"},{"_key":"3c1b6f6a265d","_type":"block","children":[{"_key":"e2a5dbfa0079","_type":"span","marks":[],"text":"FTSE 100"}],"markDefs":[],"style":"h4"},{"_key":"83a1e4f7280a","_type":"block","children":[{"_key":"928b7f581ee4","_type":"span","marks":[],"text":"The FTSE 100, also called “Footsie”, is the name for the share index made up of the largest 100 companies by market capitalisation (total value of all shares) listed on the London Stock Exchange. It's commonly referred to when discussing the health and performance of the UK stock market."}],"markDefs":[],"style":"normal"},{"_key":"aebd66e5eab7","_type":"block","children":[{"_key":"6e11e5e98417","_type":"span","marks":[],"text":"FTSE 250"}],"markDefs":[],"style":"h4"},{"_key":"4ebc58be4858","_type":"block","children":[{"_key":"abfcaa7a8e4f","_type":"span","marks":[],"text":"The FTSE 250 is similar to the FTSE 100 and includes the largest companies on the London Stock Exchange by market capitalisation excluding the initial 100 largest from the FTSE 100. In other words, it's the 101st to the 350th largest companies on the London Stock Exchange. It is sometimes referred to when discussing the health and performance of the UK stock market."}],"markDefs":[],"style":"normal"},{"_key":"a61fd75f86d2","_type":"block","children":[{"_key":"1deb3cead9d3","_type":"span","marks":[],"text":"Fund"}],"markDefs":[],"style":"h4"},{"_key":"ed96baee948b","_type":"block","children":[{"_key":"d256c967f761","_type":"span","marks":[],"text":"A fund is a basket of investments managed for you by an expert. They typically have around 30-60 \"underlying\" investments in them and are a popular way of diversifying a portfolio and reducing risk. Read more about them in our full funds guide "},{"_key":"185086759adc","_type":"span","marks":["2d81e5eb8cb6"],"text":"here"},{"_key":"db38040a3500","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"2d81e5eb8cb6","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"57ec357674d5","_type":"block","children":[{"_key":"8b8400587495","_type":"span","marks":[],"text":"Fund manager"}],"markDefs":[],"style":"h4"},{"_key":"86e7deecf23f","_type":"block","children":[{"_key":"5b30f54e2f13","_type":"span","marks":[],"text":"A fund manager is an investment expert who is responsible for selecting and managing investments in a fund - or other investment products like investment trusts. They use their expertise to choose what to invest in and how to allocate it within the fund, as well as continually monitoring its performance to ensure it's generating growth for people investing in the fund."}],"markDefs":[],"style":"normal"}],"title":"F"}]},{"_key":"a38be3906eba","_type":"block","children":[{"_key":"df73d5b250eb","_type":"span","marks":[],"text":""},{"_key":"d0d71013b017","_type":"mainAnchor","pageAnchor":{"_ref":"4dd5ed17-59a0-4efb-8aec-67bb1d468820","_type":"reference"}},{"_key":"dba74f74a053","_type":"span","marks":[],"text":""},{"_key":"f77eb085a57c","_type":"mainAnchor","pageAnchor":{"_ref":"6f3e6a5c-8e66-4e76-9f23-89790f2ec8fd","_type":"reference"}},{"_key":"cbccf6bff950","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"fed58419d382","_type":"dropdownWidget","items":[{"_key":"067bd570d104","_type":"dropdownObject","text":[{"_key":"6cd8b64d9dd0","_type":"block","children":[{"_key":"7b0f7efc9ec8","_type":"span","marks":[],"text":"Gearing"}],"markDefs":[],"style":"h4"},{"_key":"0aad4cd1ead8","_type":"block","children":[{"_key":"e9ca1b55a71c","_type":"span","marks":[],"text":"Gearing is the act of borrowing money to fund a company's operations. It is sometimes used by investment trusts and can be expressed as a ratio, where the cost of the borrowed amount is compared to the overall value of the company - this is called the gearing ratio. Gearing is sometimes also called 'leveraging'."}],"markDefs":[],"style":"normal"},{"_key":"fec26648522d","_type":"block","children":[{"_key":"e07c16215398","_type":"span","marks":[],"text":"Gilt (government bond)"}],"markDefs":[],"style":"h4"},{"_key":"1085e39664c6","_type":"block","children":[{"_key":"17826c245155","_type":"span","marks":[],"text":"A gilt is a fixed income bond issued by the UK government. They are so named because, historically, the paper certificates used to issue these bonds had a gilt - gilded - edge. The government issues gilts in order to fund public spending."}],"markDefs":[],"style":"normal"},{"_key":"46bebfa029e5","_type":"block","children":[{"_key":"7ff4a2ce0db4","_type":"span","marks":[],"text":"Greenwashing"}],"markDefs":[],"style":"h4"},{"_key":"4e2e0b5f3ecb","_type":"block","children":[{"_key":"8efee328814d","_type":"span","marks":[],"text":"Greenwashing is the term used to describe when a company makes false claims or misleads investors about its sustainability credentials. This applies even if it has done so unknowingly. It's a common cause for concern among investors who want to invest in ESG-compliant investments."}],"markDefs":[],"style":"normal"},{"_key":"4225c50960dd","_type":"block","children":[{"_key":"e380cad18998","_type":"span","marks":[],"text":"Growth investing"}],"markDefs":[],"style":"h4"},{"_key":"bca8ea33f463","_type":"block","children":[{"_key":"bf04da473a05","_type":"span","marks":[],"text":"Growth investing refers to the strategy of investing in assets which have the potential to generate above-average gains. This can, for example, include a fund which reinvests a large proportion of its profits in order to drive future growth. It's the opposite to income investing, which uses surplus cash to pay out dividends."}],"markDefs":[],"style":"normal"},{"_key":"ab4cd12170b2","_type":"block","children":[{"_key":"99d86f941161","_type":"span","marks":[],"text":"Growth stock"}],"markDefs":[],"style":"h4"},{"_key":"c714fdf9f17e","_type":"block","children":[{"_key":"d5446942c070","_type":"span","marks":[],"text":"A growth stock refers to a company which is experiencing rapid uptick in earnings and opts to reinvest this extra cash to fund its operations - rather than paying out dividends as an income stock would."}],"markDefs":[],"style":"normal"}],"title":"G"}]},{"_key":"efe4b5c66777","_type":"block","children":[{"_key":"08dc4bfb0f7e","_type":"span","marks":[],"text":""},{"_key":"e52ff3511982","_type":"mainAnchor","pageAnchor":{"_ref":"df2f7fcf-4fe3-4664-9977-c954f802f13d","_type":"reference"}},{"_key":"5c9ed34b0f18","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"66908fc6374d","_type":"dropdownWidget","items":[{"_key":"79d562cabe76","_type":"dropdownObject","text":[{"_key":"975541be040b","_type":"block","children":[{"_key":"c9ef85d94cd8","_type":"span","marks":[],"text":"Hedging"}],"markDefs":[],"style":"h4"},{"_key":"470d8f128595","_type":"block","children":[{"_key":"9b0c2ceceab5","_type":"span","marks":[],"text":"Hedging is an investment strategy which aims to protect against risk or financial loss from adverse price movements. It's essentially a form of offsetting that enables you to make a profit if an investment performs badly. A fund manager may hedge against risk, for example, by using a derivative contract to agree to a sale if the share price of an investment within the fund falls to a certain level - therefore meaning it can make a profit and reduce the risk of making a loss even if the share performs badly."}],"markDefs":[],"style":"normal"},{"_key":"27a4353dd749","_type":"block","children":[{"_key":"287094c04726","_type":"span","marks":[],"text":"High yield bond"}],"markDefs":[],"style":"h4"},{"_key":"f74cf0b8ecec","_type":"block","children":[{"_key":"2cfecd2a4ae6","_type":"span","marks":[],"text":"A high yield bond is a bond which is determined to have a higher risk of default compared to other bonds. They have a higher yield because investors often get higher coupon payments to compensate for taking on the additional risk."}],"markDefs":[],"style":"normal"}],"title":"H"}]},{"_key":"a2c14b4d1f30","_type":"block","children":[{"_key":"3144b903f287","_type":"span","marks":[],"text":""},{"_key":"860bf5506d22","_type":"mainAnchor","pageAnchor":{"_ref":"f97dc4ff-9cfa-4091-b02e-c065be46f1b5","_type":"reference"}},{"_key":"9bc735e6eb57","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"248bd759e557","_type":"dropdownWidget","items":[{"_key":"e5eaf1887dff","_type":"dropdownObject","text":[{"_key":"2d333eddd833","_type":"block","children":[{"_key":"b1749eb0761f","_type":"span","marks":[],"text":"Income Tax (IT)"}],"markDefs":[],"style":"h4"},{"_key":"77ee275092a4","_type":"block","children":[{"_key":"2f479a2f031c","_type":"span","marks":[],"text":"Income Tax is a type of tax charged by the UK government if your earnings exceed a certain threshold, called the Personal Savings Allowance. For the 2023-24 tax year, this is £12,570. Any amount over this is charged at different rates depending on your annual income. Read more in our full guide "},{"_key":"4d881cce70a2","_type":"span","marks":["068e2dda84aa"],"text":"here"},{"_key":"7812776a362f","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"068e2dda84aa","_type":"internalLinkPick","reference":{"_ref":"cfbae5f9-09e2-4ebd-b540-7b2843cb6161","_type":"reference"}}],"style":"normal"},{"_key":"d3c7bdd014f8","_type":"block","children":[{"_key":"eed5052c132c","_type":"span","marks":[],"text":"Index"}],"markDefs":[],"style":"h4"},{"_key":"4db8ce18ac77","_type":"block","children":[{"_key":"2c6d681ade62","_type":"span","marks":[],"text":"An index is a basket of assets or securities designed to represent a particular stock market or part of a stock market. For example, the FTSE 100 is an index which is representative of the 100 largest companies listed on the London Stock Exchange by market capitalisation. Indices track the performance of the market they represent and so are often used as a benchmark for investors or fund managers to understand how well a particular investment is performing compared to similar investments or the market as a whole."}],"markDefs":[],"style":"normal"},{"_key":"8885aabb4a2b","_type":"block","children":[{"_key":"e25cd2fc2769","_type":"span","marks":[],"text":"Inflation"}],"markDefs":[],"style":"h4"},{"_key":"c08357cb77c4","_type":"block","children":[{"_key":"ea5ede0bf96b","_type":"span","marks":[],"text":"Inflation is the term used to describe how quickly the prices of goods and services is rising over a period of time. In periods of high inflation, prices are increasingly rapidly, whereas low inflation means prices are increasing by only a small amount. It's the opposite of deflation. The Bank of England aims to keep inflation at 2% for a healthy economy, so it sets its base rate and other monetary policy decisions based on how far above or below this target inflation currently is."}],"markDefs":[],"style":"normal"},{"_key":"d381c45c6d9b","_type":"block","children":[{"_key":"f39fee032df9","_type":"span","marks":[],"text":"Interest rate"}],"markDefs":[],"style":"h4"},{"_key":"1ac9f2971c96","_type":"block","children":[{"_key":"3509e08aabfa","_type":"span","marks":[],"text":"An interest rate is the amount that a lender charges someone for taking out a loan or a mortgage. It's calculated as a percentage of the amount borrowed - for example, 3%. The Bank of England's base rate, for instance, is an example of an interest rate. The coupon on a bond is also a type of interest rate."}],"markDefs":[],"style":"normal"},{"_key":"3ba353732f43","_type":"block","children":[{"_key":"3c17990e112c","_type":"span","marks":[],"text":"Investment trust"}],"markDefs":[],"style":"h4"},{"_key":"b3dc1b4845e0","_type":"block","children":[{"_key":"5a24a2cfbba3","_type":"span","marks":[],"text":"An investment trust is a public limited company (PLC) traded on the London Stock Exchange, which invests in other companies to generate profit for its shareholders. All investor's money is bundled together and a fund manager invests it on their behalf. Investment trusts typically pay out dividends and so are a popular choice for income investors. Read our full guide "},{"_key":"cc2f090e09ea","_type":"span","marks":["383bf7817ba9"],"text":"here"},{"_key":"5d5d755a170e","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"383bf7817ba9","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}}],"style":"normal"},{"_key":"4fa89845e8d0","_type":"block","children":[{"_key":"61d4cfb50a88","_type":"span","marks":[],"text":"Initial Public Offering (IPO)"}],"markDefs":[],"style":"h4"},{"_key":"a1818c39ce07","_type":"block","children":[{"_key":"424dc562f873","_type":"span","marks":[],"text":"An Initial Public Offering or IPO refers to when shares in a private company are listed on a stock exchange and made available for investors to purchase for the first time."}],"markDefs":[],"style":"normal"},{"_key":"263f1124a9e6","_type":"block","children":[{"_key":"573f265dd153","_type":"span","marks":[],"text":"Individual Savings Account (ISA)"}],"markDefs":[],"style":"h4"},{"_key":"a3ee673f1775","_type":"block","children":[{"_key":"f4c71ff62c91","_type":"span","marks":[],"text":"ISA stands for Individual Savings Account. They're a type of tax-free savings or investment account which allow you to put away up to £20,000 every tax year without paying taxes such as CGT. There are four main types - Cash ISAs, Stocks & Shares ISAs, Junior ISAs and Lifetime ISAs. All except Cash ISAs - which are similar to regular cash savings accounts - can be used to invest tax-free in things like shares, funds, ETFs, investment trusts and more. Read more about ISAs in our Hub "},{"_key":"50f239086d72","_type":"span","marks":["cf52470d43da"],"text":"here"},{"_key":"5ec68cfd8c33","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"cf52470d43da","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"}],"title":"I"}]},{"_key":"38cf60c39e5c","_type":"block","children":[{"_key":"36a4905c90b8","_type":"span","marks":[],"text":""},{"_key":"afd6088c37c8","_type":"mainAnchor","pageAnchor":{"_ref":"3ffb6f95-f4a1-4ab1-b55f-4975ad5dfa04","_type":"reference"}},{"_key":"766f6ab54c20","_type":"span","marks":[],"text":""},{"_key":"455a6fe14ad1","_type":"mainAnchor","pageAnchor":{"_ref":"a80555e9-52ee-4d97-8467-763d0fdb68cc","_type":"reference"}},{"_key":"d9ce0677a222","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"33745d26d38f","_type":"dropdownWidget","items":[{"_key":"e5eaf1887dff","_type":"dropdownObject","text":[{"_key":"a1818c39ce07","_type":"block","children":[{"_key":"424dc562f873","_type":"span","marks":[],"text":"Junk bond"}],"markDefs":[],"style":"h4"},{"_key":"3179da5685aa","_type":"block","children":[{"_key":"f482fd552172","_type":"span","marks":[],"text":"A junk bond is a bond which has been rated as high risk by a credit rating agency and is considered likely to default. Investors will typically be compensated for this risk with an exceptionally high interest rate (coupon)."}],"markDefs":[],"style":"normal"}],"title":"J"}]},{"_key":"845b4495fe5e","_type":"block","children":[{"_key":"e918eaa99fcf","_type":"span","marks":[],"text":""},{"_key":"88dad60a0e44","_type":"mainAnchor","pageAnchor":{"_ref":"7dd8d550-67ca-479f-a2f4-5eb12116edf4","_type":"reference"}},{"_key":"fc95971974fe","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"92c4ee07471c","_type":"dropdownWidget","items":[{"_key":"e5eaf1887dff","_type":"dropdownObject","text":[{"_key":"ef73594d62a3","_type":"block","children":[{"_key":"0f2e053674420","_type":"span","marks":[],"text":"Key Investor Information Document (KIID)"}],"markDefs":[],"style":"h4"},{"_key":"58222af8df35","_type":"block","children":[{"_key":"c0f1ff81c951","_type":"span","marks":[],"text":"A Key Investor Information Document or KIID is a document that provides information about an investment for prospective or current investors. It typically includes a breakdown of the assets it invests in, their allocation, fees, the name of the fund manager(s) and the investment objective. It's viewable at any stage but is an important read "},{"_key":"6ecacd3be809","_type":"span","marks":["em"],"text":"before "},{"_key":"9bbfd65e563d","_type":"span","marks":[],"text":"you invest in something so that you know what you are putting your money into. It's usually easily accessible by searching for the name of your chosen investment on the website or app of the company you are investing with."}],"markDefs":[],"style":"normal"}],"title":"K"}]},{"_key":"657dcb2c3f2a","_type":"block","children":[{"_key":"f08a5f0420b7","_type":"span","marks":[],"text":""},{"_key":"d73d6b4284be","_type":"mainAnchor","pageAnchor":{"_ref":"9221bc6d-b95e-4326-a33d-b0ca5a593eba","_type":"reference"}},{"_key":"131963511914","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"bda1f73df5d7","_type":"dropdownWidget","items":[{"_key":"e5eaf1887dff","_type":"dropdownObject","text":[{"_key":"4e3a21c96b6d","_type":"block","children":[{"_key":"1be44d434b68","_type":"span","marks":[],"text":"Leverage"}],"markDefs":[],"style":"h4"},{"_key":"519b21b7e837","_type":"block","children":[{"_key":"4746bec3ef83","_type":"span","marks":[],"text":"Leveraging is an alternative word for 'gearing'."}],"markDefs":[],"style":"normal"},{"_key":"3983861b1d07","_type":"block","children":[{"_key":"e5652c29bbe6","_type":"span","marks":[],"text":"Limit order"}],"markDefs":[],"style":"h4"},{"_key":"8701e19ad267","_type":"block","children":[{"_key":"b98958c9ca26","_type":"span","marks":[],"text":"A limit order is an order to buy or sell a share automatically once it reaches a specified price or better. It's something fund managers can employ to help generate profit or individual investors can do so on some platforms which enable it (not all do)."}],"markDefs":[],"style":"normal"},{"_key":"18fc728d9677","_type":"block","children":[{"_key":"478427b97663","_type":"span","marks":[],"text":"Liquidity"}],"markDefs":[],"style":"h4"},{"_key":"1ea2486d8b14","_type":"block","children":[{"_key":"9a1d1356fb22","_type":"span","marks":[],"text":"Liquidity refers to how quick and easy it is to convert an investment into cash without losing significant value in the process. In other words, it's about how easy it is to sell and how long it takes to get your money in return. Liquidity can also be used to measure the health of a company's finances - the more liquid its assets or investments are, the more flexible it can afford to be and therefore more resilient than a company with poor liquidity."}],"markDefs":[],"style":"normal"},{"_key":"b9350efded58","_type":"block","children":[{"_key":"bfc2a26373ae","_type":"span","marks":[],"text":"Listed securities"}],"markDefs":[],"style":"h4"},{"_key":"c9a53844b863","_type":"block","children":[{"_key":"cc14106a9a10","_type":"span","marks":[],"text":"A listed security is an asset which is traded on an exchange, such as the London Stock Exchange. For example, shares, ETFs and bonds can all be listed securities."}],"markDefs":[],"style":"normal"},{"_key":"7d14cae778dc","_type":"block","children":[{"_key":"b7cee361494a","_type":"span","marks":[],"text":"Long strategy"}],"markDefs":[],"style":"h4"},{"_key":"ac864bbc3e10","_type":"block","children":[{"_key":"76d2c280218b","_type":"span","marks":[],"text":"A long investing strategy is one where you buy or hold a share that you expect to increase in value over time."}],"markDefs":[],"style":"normal"},{"_key":"1c156dcf2afd","_type":"block","children":[{"_key":"ca839ac132c0","_type":"span","marks":[],"text":"London Stock Exchange (LSE)"}],"markDefs":[],"style":"h4"},{"_key":"f94be5934444","_type":"block","children":[{"_key":"699531d03250","_type":"span","marks":[],"text":"The London Stock Exchange or LSE is the name of the stock market based in the City of London. The total market value of all companies trading on the LSE was recently recorded in excess of $3 trillion."}],"markDefs":[],"style":"normal"}],"title":"L"}]},{"_key":"2c366fb22cfb","_type":"block","children":[{"_key":"723d3a965d89","_type":"span","marks":[],"text":""},{"_key":"1441dc28cf65","_type":"mainAnchor","pageAnchor":{"_ref":"1ef26854-847c-4fe8-8663-9e0df4a542ab","_type":"reference"}},{"_key":"b7981b90a810","_type":"span","marks":[],"text":""},{"_key":"5562b1fe76f7","_type":"mainAnchor","pageAnchor":{"_ref":"6fdfe7bf-bcfb-4adf-ae00-ea109c3413c4","_type":"reference"}},{"_key":"d4d6978d0214","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"478574fffdb3","_type":"dropdownWidget","items":[{"_key":"33953498fce6","_type":"dropdownObject","text":[{"_key":"b388d8b16819","_type":"block","children":[{"_key":"d7e14e0935d7","_type":"span","marks":[],"text":"Macroeconomic"}],"markDefs":[],"style":"h4"},{"_key":"7ca742d51c29","_type":"block","children":[{"_key":"7f130b550681","_type":"span","marks":[],"text":"Macroeconomic is a term used to describe economic activity happening on a global or multi-national scale. For example, a global recession would be a macroeconomic event, or a war might be a negative factor impacting macroeconomic mood or sentiment."}],"markDefs":[],"style":"normal"},{"_key":"2df190296414","_type":"block","children":[{"_key":"83ea1686bd3e","_type":"span","marks":[],"text":"Management fee"}],"markDefs":[],"style":"h4"},{"_key":"792946341248","_type":"block","children":[{"_key":"f2533590579d","_type":"span","marks":[],"text":"A management fee is a charge that you pay to an investment manager for their services. This is usually shown as a percentage, for example 1%, of the total amount invested per year."}],"markDefs":[],"style":"normal"},{"_key":"45b1ed7e6156","_type":"block","children":[{"_key":"93398a631bc2","_type":"span","marks":[],"text":"Market capitalisation"}],"markDefs":[],"style":"h4"},{"_key":"0a712d8d376c","_type":"block","children":[{"_key":"6e812ceac4cd","_type":"span","marks":[],"text":"Often shortened to \"market cap\", market capitalisation is a commonly used measure of the size of a company or fund. It's calculated by adding together the total value of all shares."}],"markDefs":[],"style":"normal"},{"_key":"2cb3c13d6ad1","_type":"block","children":[{"_key":"c90b9c5791d0","_type":"span","marks":[],"text":"Market sentiment"}],"markDefs":[],"style":"h4"},{"_key":"39c76d0167dd","_type":"block","children":[{"_key":"e41d7dc31774","_type":"span","marks":[],"text":"Market sentiment is the overall mood or attitude of investors, either to individual shares and investments or to the stock market as a whole."}],"markDefs":[],"style":"normal"},{"_key":"bba60fd76383","_type":"block","children":[{"_key":"8238d1b1c455","_type":"span","marks":[],"text":"Market share"}],"markDefs":[],"style":"h4"},{"_key":"ccdb2eb6e214","_type":"block","children":[{"_key":"a58cdfe7fbe6","_type":"span","marks":[],"text":"The market share is the proportion of a stock market or sector which a particular company makes up."}],"markDefs":[],"style":"normal"},{"_key":"4442589e6e18","_type":"block","children":[{"_key":"a08996209933","_type":"span","marks":[],"text":"Maturity"}],"markDefs":[],"style":"h4"},{"_key":"bc3b954c3d01","_type":"block","children":[{"_key":"3e6025508fb2","_type":"span","marks":[],"text":"Maturity is the date at which the agreed term on a bond comes to an end. This is the point at which the underlying loan will be repaid in full."}],"markDefs":[],"style":"normal"},{"_key":"002b7f68821d","_type":"block","children":[{"_key":"20361c1003df","_type":"span","marks":[],"text":"Momentum"}],"markDefs":[],"style":"h4"},{"_key":"c70bc1b92988","_type":"block","children":[{"_key":"b4e74e61f90d","_type":"span","marks":[],"text":"The momentum of an asset or fund refers to the concept that recent good performance is likely to continue. The investment is \"on a roll\", you might say."}],"markDefs":[],"style":"normal"},{"_key":"22c73c966298","_type":"block","children":[{"_key":"e843af1b1716","_type":"span","marks":[],"text":"Monetary policy "}],"markDefs":[],"style":"h4"},{"_key":"818fa1d36a64","_type":"block","children":[{"_key":"e4aea265b1b5","_type":"span","marks":[],"text":"Monetary policy is a series of actions employed by central banks (such as the Bank of England) or governments (such as the UK government) to exert control over the economy. It can be used to regulate how much money is in the economy and how much it costs to borrow money. An example of a monetary policy decision would be the Bank of England raising its base rate to try to stem rising inflation."}],"markDefs":[],"style":"normal"},{"_key":"5565a4d45dd9","_type":"block","children":[{"_key":"d5cea1aa132a","_type":"span","marks":[],"text":"Money market funds"}],"markDefs":[],"style":"h4"},{"_key":"0b4aec6b0bf2","_type":"block","children":[{"_key":"4c3d900a16af","_type":"span","marks":[],"text":"Money market funds are a type of fund which invest in large volumes of highly liquid, short-term debt products - such as cash or high quality bonds like UK gilts or US Treasuries near maturity. They're designed to be a very low risk type of investment, sometimes touted as an alternative to cash."}],"markDefs":[],"style":"normal"},{"_key":"3e5615ba575e","_type":"block","children":[{"_key":"04f4b86b8717","_type":"span","marks":[],"text":"Multi-asset"}],"markDefs":[],"style":"h4"},{"_key":"6aab3889586d","_type":"block","children":[{"_key":"96dd38378804","_type":"span","marks":[],"text":"Multi-asset is a term used to describe funds or portfolios that contain more than one type of asset class - e.g. shares and property - and are frequently used by investors who want to diversify and gain exposure to multiple types of asset. Read more about multi-asset funds "},{"_key":"fb1934042293","_type":"span","marks":["ab077e0d20bb"],"text":"here"},{"_key":"71de9a53d549","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"ab077e0d20bb","_type":"internalLinkPick","reference":{"_ref":"06e8a05d-c0c4-478d-9a16-85fa2de6405d","_type":"reference"}}],"style":"normal"}],"title":"M"}]},{"_key":"96de9e504ae4","_type":"block","children":[{"_key":"5a1b3b08899b","_type":"span","marks":[],"text":""},{"_key":"591abdef47f2","_type":"mainAnchor","pageAnchor":{"_ref":"c35f31a9-59dc-443b-bf1a-fd432a7e0885","_type":"reference"}},{"_key":"7d94bffffca6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b1204c604b2b","_type":"dropdownWidget","items":[{"_key":"33953498fce6","_type":"dropdownObject","text":[{"_key":"e3e95a97c66d","_type":"block","children":[{"_key":"d31dc2e613bf","_type":"span","marks":["strong"],"text":"NASDAQ"}],"markDefs":[],"style":"h4"},{"_key":"f8d326421ee6","_type":"block","children":[{"_key":"598cc9ca2df9","_type":"span","marks":[],"text":"An American stock exchange primarily known for technology and growth companies."}],"markDefs":[],"style":"normal"},{"_key":"872a165cbddf","_type":"block","children":[{"_key":"30f8e030c9ed","_type":"span","marks":[],"text":"National Insurance (NI)"}],"markDefs":[],"style":"h4"},{"_key":"260be9c83141","_type":"block","children":[{"_key":"197fc931141d","_type":"span","marks":[],"text":"National Insurance is a type of tax that individuals who earn over a certain amount pay to the UK government. It's used to fund state benefits, including the "},{"_key":"86a8e7ef0d71","_type":"span","marks":["4d36ecf48553"],"text":"State Pension"},{"_key":"ef68cb9b39c5","_type":"span","marks":[],"text":", healthcare services like the NHS, unemployment benefits, and other social welfare programmes. The amount of NI contributions a person pays is based on their income. "}],"markDefs":[{"_key":"4d36ecf48553","_type":"internalLinkPick","reference":{"_ref":"24becfe8-66e5-4cc0-a93d-d43dba6dc2f4","_type":"reference"}}],"style":"normal"},{"_key":"40a7cc2028dd","_type":"block","children":[{"_key":"2f7ae6ae4b60","_type":"span","marks":[],"text":"Net Asset Value (NAV)"}],"markDefs":[],"style":"h4"},{"_key":"3d630b183293","_type":"block","children":[{"_key":"894358b0ef1f","_type":"span","marks":[],"text":"Often shortened to NAV, the Net Asset Value is a measurement used to describe the current value of an investment at a moment in time. It's calculated by taking the overall value of a company's total assets and subtracting its total debts or liabilities. It can be expressed as price-per-share by further dividing this figure by the total number of shares. "}],"markDefs":[],"style":"normal"},{"_key":"e87e8979a92d","_type":"block","children":[{"_key":"31d8af16e38e","_type":"span","marks":["strong"],"text":"Non-Fungible Token (NFT)"}],"markDefs":[],"style":"h4"},{"_key":"7e33fe807bda","_type":"block","children":[{"_key":"3aee21700be2","_type":"span","marks":[],"text":"A Non-Fungible Token or NFT is a digital asset that represents ownership or proof of authenticity of a unique item, such as art or music, recorded on the blockchain - the same technology used for cryptocurrency."}],"markDefs":[],"style":"normal"},{"_key":"701d11ee57b4","_type":"block","children":[{"_key":"eba840d0a9a4","_type":"span","marks":["strong"],"text":"New York Stock Exchange (NYSE)"}],"markDefs":[],"style":"h4"},{"_key":"f3b3e2351b69","_type":"block","children":[{"_key":"17a0d1b42279","_type":"span","marks":[],"text":"The New York Stock Exchange or NYSE is the largest stock exchange in the world by market capitalisation."}],"markDefs":[],"style":"normal"}],"title":"N"}]},{"_key":"6b186924c685","_type":"block","children":[{"_key":"3a70816181ca","_type":"span","marks":[],"text":""},{"_key":"49bbaaba3e7b","_type":"mainAnchor","pageAnchor":{"_ref":"069bce55-9880-41c1-92d1-b098ce2bccf3","_type":"reference"}},{"_key":"5d39490f9a3e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8ff01c493a6a","_type":"dropdownWidget","items":[{"_key":"06b33fdb634e","_type":"dropdownObject","text":[{"_key":"06af5d5ceeb1","_type":"block","children":[{"_key":"c7a58e053383","_type":"span","marks":[],"text":"Offer price"}],"markDefs":[],"style":"h4"},{"_key":"4a9d95599b55","_type":"block","children":[{"_key":"b734860e599b","_type":"span","marks":[],"text":"Like the ask price, the offer price is the lowest price that a seller is willing to sell an investment."}],"markDefs":[],"style":"normal"},{"_key":"d4c0099b9e83","_type":"block","children":[{"_key":"0b604ab2b7c3","_type":"span","marks":[],"text":"Ongoing Charges Figure (OCF)"}],"markDefs":[],"style":"h4"},{"_key":"26e67735dd10","_type":"block","children":[{"_key":"f0314d35de1b","_type":"span","marks":[],"text":"The Ongoing Charges Figure or OCF is the total cost of an investment over the course of one year. It typically includes the management fee as well as any other charges, such as account fees, and represents the total amount that an investor can expect to pay for an investment for one year. "}],"markDefs":[],"style":"normal"},{"_key":"12fdf6c70659","_type":"block","children":[{"_key":"5d05bfc0095a","_type":"span","marks":[],"text":"Open-Ended Investment Company (OEIC)"}],"markDefs":[],"style":"h4"},{"_key":"64d22f768021","_type":"block","children":[{"_key":"db2b20d22220","_type":"span","marks":[],"text":"An OEIC or Open-Ended Investment Company is a type of fund where the money of all investors is pooled together and then invested on their behalf at the direction of the fund manager. They're open-ended because there is an infinite number of shares available - it can generate new shares whenever an investor wants to buy one or it can buy shares back whenever an investor wants to sell."}],"markDefs":[],"style":"normal"},{"_key":"b452314b8579","_type":"block","children":[{"_key":"30f45b9d2d22","_type":"span","marks":[],"text":"Open-end funds"}],"markDefs":[],"style":"h4"},{"_key":"e20ad5529a0e","_type":"block","children":[{"_key":"1c2eee8cd57d","_type":"span","marks":[],"text":"An open-end fund is a type of fund that continuously issues and redeems shares based on investor demand. They don't have a limit on the number of shares they can issue. They're the opposite of closed-end funds, which have a finite pool of available shares, such as investment trusts."}],"markDefs":[],"style":"normal"},{"_key":"dd58f8f8a81d","_type":"block","children":[{"_key":"18e6d435dd0f","_type":"span","marks":[],"text":"Options"}],"markDefs":[],"style":"h4"},{"_key":"b6c34e7feaef","_type":"block","children":[{"_key":"aaa4a10d25d7","_type":"span","marks":[],"text":"An option is a form of derivative which represents the right (but not the obligation) of the buyer to buy or sell an investment at a chosen price at some point in the future. A \"call\" option is when an investor purchases the right to buy the investment at a predetermined price. A \"put\" option is when an investor purchases the right to sell an investment at a predetermined price. Options provide flexibility for investors to profit from price movements without owning the underlying investment outright."}],"markDefs":[],"style":"normal"},{"_key":"0abb4022ed3f","_type":"block","children":[{"_key":"0ea8c9318caa0","_type":"span","marks":[],"text":"Overweight"}],"markDefs":[],"style":"h4"},{"_key":"9bf28e213468","_type":"block","children":[{"_key":"6a5a0e86f9370","_type":"span","marks":[],"text":"A portfolio or fund is overweight when it has a larger proportion in a particular asset class, sector, geographical region or share compared to the index or benchmark it is usually measured against. "}],"markDefs":[],"style":"normal"}],"title":"O"}]},{"_key":"f92a77ddd4de","_type":"block","children":[{"_key":"c6ab85f530e9","_type":"span","marks":[],"text":""},{"_key":"28eead28db4b","_type":"mainAnchor","pageAnchor":{"_ref":"acdbcaeb-8268-4355-9ab6-59232a42deb5","_type":"reference"}},{"_key":"c6714db4a13e","_type":"span","marks":[],"text":""},{"_key":"0319e45f385f","_type":"mainAnchor","pageAnchor":{"_ref":"75142f92-c895-4760-a710-bf518bcacd3d","_type":"reference"}},{"_key":"9ea05457bfbd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"457ed83ab160","_type":"dropdownWidget","items":[{"_key":"311052645ffb","_type":"dropdownObject","text":[{"_key":"552b49ea6095","_type":"block","children":[{"_key":"4900483dcaf4","_type":"span","marks":[],"text":"Passive"}],"markDefs":[],"style":"h4"},{"_key":"905d0017e8ea","_type":"block","children":[{"_key":"d33598a1a820","_type":"span","marks":[],"text":"A passively managed fund is designed to replicate or track a particular index or benchmark - for example, the FTSE 100 or S&P 500. A passive investment style is similarly one which replicates an index or benchmark with minimal deviation."}],"markDefs":[],"style":"normal"},{"_key":"7271a33c19b3","_type":"block","children":[{"_key":"daaba7e4dab10","_type":"span","marks":[],"text":"Portfolio"}],"markDefs":[],"style":"h4"},{"_key":"b0c48230a473","_type":"block","children":[{"_key":"34279af50c03","_type":"span","marks":[],"text":"A portfolio is a collection of investments such as shares, bonds and funds."}],"markDefs":[],"style":"normal"},{"_key":"7d5e703dfb61","_type":"block","children":[{"_key":"930358a0d2cd","_type":"span","marks":[],"text":"P/E Ratio"}],"markDefs":[],"style":"h4"},{"_key":"e44214fb0972","_type":"block","children":[{"_key":"8b3ce90fbcdd","_type":"span","marks":[],"text":"The P/E Ratio or Price-Earnings Ratio is a measurement of a company's share price relative to its earnings per-share. It's used to determine whether a share is overvalued - i.e. the share price is higher than the earnings per share - or undervalued - i.e. the share price is lower than the earnings per share. It's calculated by dividing the current share price by the earnings per-share."}],"markDefs":[],"style":"normal"},{"_key":"24dbf0ded8ec","_type":"block","children":[{"_key":"d648326da1430","_type":"span","marks":["strong"],"text":"Principal"}],"markDefs":[],"style":"h4"},{"_key":"7aeca8a5c1ac","_type":"block","children":[{"_key":"b010b1375d89","_type":"span","marks":[],"text":"The principal is a word sometimes used to describe the initial amount of money invested - such as in a bond - or borrowed - such as with a loan - excluding any subsequently earned interest or dividends."}],"markDefs":[],"style":"normal"},{"_key":"f47820934c56","_type":"block","children":[{"_key":"4230da5967250","_type":"span","marks":["strong"],"text":"Profit"}],"markDefs":[],"style":"h4"},{"_key":"646ef4b39de5","_type":"block","children":[{"_key":"82299db04bf9","_type":"span","marks":[],"text":"Profit is the financial gain an investor makes on their investment, after deducting all expenses and losses. It's sometimes also called the 'return' or 'earnings'."}],"markDefs":[],"style":"normal"},{"_key":"cd5db6ed7475","_type":"block","children":[{"_key":"2485fddd8ebc0","_type":"span","marks":["strong"],"text":"Profit margin"}],"markDefs":[],"style":"h4"},{"_key":"befcb19de1f6","_type":"block","children":[{"_key":"802e8ec71167","_type":"span","marks":[],"text":"A profit margin is a ratio that measures a company's profitability. It's calculated by dividing the company's net (total) income by its profits to illustrate how much the company gets to keep as a profit after subtracting all costs."}],"markDefs":[],"style":"normal"}],"title":"P"}]},{"_key":"759d5eacc01f","_type":"block","children":[{"_key":"625d31428381","_type":"span","marks":[],"text":""},{"_key":"8547a74dfbfa","_type":"mainAnchor","pageAnchor":{"_ref":"00fd73fa-3005-430d-8596-c7cd88cfebf3","_type":"reference"}},{"_key":"fa806d281ee4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"998450f63c43","_type":"dropdownWidget","items":[{"_key":"311052645ffb","_type":"dropdownObject","text":[{"_key":"7eab0015ce08","_type":"block","children":[{"_key":"96c4cc6ed1f00","_type":"span","marks":[],"text":"Quantitative Easing (QE)"}],"markDefs":[],"style":"h4"},{"_key":"16077562c5f9","_type":"block","children":[{"_key":"a3dfddfd8a470","_type":"span","marks":[],"text":"Quantitative Easing or QE refers to a monetary policy implemented by central banks to generate economic activity. This usually works by buying bonds and other assets to increase liquidity and encourage lending and investment in the wider market. It was recently used in the UK during the Covid-19 pandemic."}],"markDefs":[],"style":"normal"},{"_key":"4c9053801ebf","_type":"block","children":[{"_key":"86e1ad0dde890","_type":"span","marks":["strong"],"text":"Quote"}],"markDefs":[],"style":"h4"},{"_key":"982a08a1c65a","_type":"block","children":[{"_key":"d719d2be1fbe0","_type":"span","marks":[],"text":"A quote in investing represents the current price at which a share, commodity, or currency is being traded at. It typically includes the bid price and the ask price and can be used to give investors real-time information about a price before they decide to buy or sell."}],"markDefs":[],"style":"normal"}],"title":"Q"}]},{"_key":"9f5af7c9ea81","_type":"block","children":[{"_key":"e596ae3cbc9a","_type":"span","marks":[],"text":""},{"_key":"65de2128a12e","_type":"mainAnchor","pageAnchor":{"_ref":"7764a53b-dd24-4c61-a346-6cb6ea560ed9","_type":"reference"}},{"_key":"c4b21318ae5c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0b01488a0446","_type":"dropdownWidget","items":[{"_key":"311052645ffb","_type":"dropdownObject","text":[{"_key":"2c726f16d5d6","_type":"block","children":[{"_key":"68eb13989445","_type":"span","marks":["strong"],"text":"Rate of Return (ROR)"}],"markDefs":[],"style":"h4"},{"_key":"d9e3535cbe36","_type":"block","children":[{"_key":"e579c163a10c","_type":"span","marks":[],"text":"The Rate of Return or ROR is the same as the ROI."}],"markDefs":[],"style":"normal"},{"_key":"739be671110b","_type":"block","children":[{"_key":"5beeb76769dc","_type":"span","marks":[],"text":"Ready-made portfolios"}],"markDefs":[],"style":"h4"},{"_key":"7458235c200a","_type":"block","children":[{"_key":"1ca692e64b45","_type":"span","marks":[],"text":"A ready-made portfolio is a premade bundle of investments which provides a blend of bonds and shares in different proportions depending on your tolerance for risk. Lower risk ready-made portfolios tend to invest in more bonds (generally considered lower risk investments), whereas higher risk ready-made portfolios tend to invest in more shares (generally considered higher risk investments). Ready-made portfolios are a subtype of multi-asset funds and are offered by asset managers as well as robo advisers. Read more about ready-made portfolios in our full guide "},{"_key":"c921eb26b593","_type":"span","marks":["72b22cc16a1f"],"text":"here"},{"_key":"e0c33902f699","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"72b22cc16a1f","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"30021281532d","_type":"block","children":[{"_key":"a57101c7e00d","_type":"span","marks":["strong"],"text":"Real Estate Investment Trust (REIT)"}],"markDefs":[],"style":"h4"},{"_key":"d79f145d85d3","_type":"block","children":[{"_key":"76d2c2517b00","_type":"span","marks":[],"text":"A Real Estate Investment Trust or REIT is a company that owns, operates, or finances income-generating real estate. Investors can buy shares in a REIT, allowing them to invest in real estate without owning physical property. REITs often provide dividends based on rental income."}],"markDefs":[],"style":"normal"},{"_key":"4bf3d46e2425","_type":"block","children":[{"_key":"8d8faeb496e8","_type":"span","marks":[],"text":"Return on Investment (ROI) "}],"markDefs":[],"style":"h4"},{"_key":"a5cdaa24641b","_type":"block","children":[{"_key":"e150927d3ef1","_type":"span","marks":[],"text":"Return on Investment or ROI is a metric used to evaluate the profitability of an investment relative to its cost. It's calculated by dividing the net profit from the initial invested amount and is used to assess the success of an investment strategy."}],"markDefs":[],"style":"normal"},{"_key":"ef34fbffcb90","_type":"block","children":[{"_key":"4f908e007a4d","_type":"span","marks":["strong"],"text":"Revenue"}],"markDefs":[],"style":"h4"},{"_key":"d6e8acca272c","_type":"block","children":[{"_key":"13f71490b669","_type":"span","marks":[],"text":"Revenue is the total income generated from a business's operations. In investing, it's important to evaluate a company's revenue as it indicates its ability to generate income. Consistent and growing revenue is generally a positive indicator for investors, whereas consistently falling revenue can be a negative sign. A company's revenue minus all operating costs and losses is its profit."}],"markDefs":[],"style":"normal"},{"_key":"73577b2d6233","_type":"block","children":[{"_key":"baf3fef527f20","_type":"span","marks":["strong"],"text":"Risk"}],"markDefs":[],"style":"h4"},{"_key":"2ad38d2c16c7","_type":"block","children":[{"_key":"67d30fc872d7","_type":"span","marks":[],"text":"Risk in investing refers to the uncertainty or potential of losing money on an investment. It's essential to understand and manage investment risk as it directly correlates with potential returns. For example, high risk investments may earn higher returns but also carry a greater chance of loss. On the other hand, low risk investments may have a lesser chance of losing money, but come with less earnings potential too. Read more about risk and how to use it appropriately in our"},{"_key":"dd448eb51203","_type":"span","marks":["f26f70f46502"],"text":" Investing for Beginners"},{"_key":"addb0785cd98","_type":"span","marks":[],"text":" course."}],"markDefs":[{"_key":"f26f70f46502","_type":"internalLinkPick","reference":{"_ref":"bc6b73f2-43c7-43c3-8adb-56e56d274fdc","_type":"reference"}}],"style":"normal"},{"_key":"d0dac39961fa","_type":"block","children":[{"_key":"781051debb71","_type":"span","marks":["strong"],"text":"Risk tolerance"}],"markDefs":[],"style":"h4"},{"_key":"64be170ee4f1","_type":"block","children":[{"_key":"b167ea4c4bbc","_type":"span","marks":[],"text":"Risk tolerance refers to the extent an investor is willing to endure fluctuations in the price of their investments. In other words, it's your attitude to investment risk and how much you feel comfortable taking on. It's important to assess your risk tolerance to create an investment portfolio and strategy that's suitably aligned with your comfort level. You can read more about how to determine your risk tolerance "},{"_key":"ac4e38b59f6c","_type":"span","marks":["4798db63f020"],"text":"here"},{"_key":"3dc1071b9757","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"4798db63f020","_type":"internalLinkPick","reference":{"_ref":"25599c4c-bf4f-4150-9d09-613c345b07c8","_type":"reference"}}],"style":"normal"},{"_key":"59afce4ce9f4","_type":"block","children":[{"_key":"46eac0ef839a","_type":"span","marks":[],"text":"Robo adviser"}],"markDefs":[],"style":"h4"},{"_key":"dffa1d074224","_type":"block","children":[{"_key":"11132c5c948d","_type":"span","marks":[],"text":"A robo adviser or robo is a type of asset management company which offers ready-made portfolios that are managed using algorithms that frequently rebalance the portfolio to maintain exposure to different assets in line with a chosen risk level. "}],"markDefs":[],"style":"normal"}],"title":"R"}]},{"_key":"d3f676c85e8b","_type":"block","children":[{"_key":"2dfe409263ff","_type":"span","marks":[],"text":""},{"_key":"57693e912a40","_type":"mainAnchor","pageAnchor":{"_ref":"22f8a158-ed05-4f14-a582-54029352f511","_type":"reference"}},{"_key":"8d4640e9a394","_type":"span","marks":[],"text":""},{"_key":"4c0f684bda71","_type":"mainAnchor","pageAnchor":{"_ref":"eacdeec4-37b4-4ed1-af20-d6d9a6643b61","_type":"reference"}},{"_key":"3cc8694c0eff","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f5efd7593a0f","_type":"dropdownWidget","items":[{"_key":"a82861b12055","_type":"dropdownObject","text":[{"_key":"54d82d35ff15","_type":"block","children":[{"_key":"1cd9ce01d43b0","_type":"span","marks":["strong"],"text":"Sector"}],"markDefs":[],"style":"h4"},{"_key":"d5b7e04bee59","_type":"block","children":[{"_key":"d68c43e10709","_type":"span","marks":[],"text":"A sector refers to a group of companies that all operate in the same industry or part of the economy. For example, technology, healthcare, finance and agriculture are all sectors."}],"markDefs":[],"style":"normal"},{"_key":"3eb692b46b49","_type":"block","children":[{"_key":"180968cab5410","_type":"span","marks":["strong"],"text":"Security"}],"markDefs":[],"style":"h4"},{"_key":"e13ba155d12f","_type":"block","children":[{"_key":"33ae84a4fa16","_type":"span","marks":[],"text":"A security is a financial instrument that holds some type of monetary value. Shares, bonds, and derivatives are examples of securities."}],"markDefs":[],"style":"normal"},{"_key":"29b7ecf54d31","_type":"block","children":[{"_key":"6e82e02fde80","_type":"span","marks":[],"text":"Self-Invested Personal Pension (SIPP)"}],"markDefs":[],"style":"h4"},{"_key":"29ced7ea8769","_type":"block","children":[{"_key":"6f3d864932a9","_type":"span","marks":[],"text":"A Self-Invested Personal Pension or SIPP, sometimes also called a private pension or personal pension, is a type of pension that allows individuals to save for retirement by managing their own investments. This is different from the State Pension or workplace pension schemes, where individuals usually have limited control of what they're invested in. SIPPs come with tax relief designed to incentivise people to save for retirement, where for every amount you add to a SIPP account, the UK government will contribute additional money based on your usual rate of Income Tax. Read more in our full guide "},{"_key":"bf08eb351682","_type":"span","marks":["92aed6d24e13"],"text":"here"},{"_key":"1e1c030b73e9","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"92aed6d24e13","_type":"internalLinkPick","reference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"}}],"style":"normal"},{"_key":"47a2f8dcc667","_type":"block","children":[{"_key":"82cecf23cada0","_type":"span","marks":["strong"],"text":"Shares"}],"markDefs":[],"style":"h4"},{"_key":"f5ef9b2fba4f","_type":"block","children":[{"_key":"5d2b5d7a36f0","_type":"span","marks":[],"text":"Shares represent a unit of ownership in a company. Companies divide their ownership into shares and investors can purchase these to become owners of a tiny part of it. Shares are also called 'stocks' or 'equities'."}],"markDefs":[],"style":"normal"},{"_key":"c4664dfbd4ef","_type":"block","children":[{"_key":"40cda62e414b0","_type":"span","marks":["strong"],"text":"Short selling"}],"markDefs":[],"style":"h4"},{"_key":"b2c211b706ce","_type":"block","children":[{"_key":"5ed385973c9f","_type":"span","marks":[],"text":"Short selling is an investment strategy where an investor borrows a share and then sells it, aiming to buy it back later at a lower price and profit from the price difference."}],"markDefs":[],"style":"normal"},{"_key":"31413e908553","_type":"block","children":[{"_key":"d9d118945e950","_type":"span","marks":["strong"],"text":"S&P 500"}],"markDefs":[],"style":"h4"},{"_key":"71da369f13b5","_type":"block","children":[{"_key":"d1a6e9a4f3f2","_type":"span","marks":[],"text":"The S&P 500 is an index that tracks the performance of the 500 largest publicly traded companies in the United States. It's often used as a benchmark for the overall global stock market."}],"markDefs":[],"style":"normal"},{"_key":"a2a6493608ce","_type":"block","children":[{"_key":"596a764625c60","_type":"span","marks":["strong"],"text":"Spread"}],"markDefs":[],"style":"h4"},{"_key":"2e3fbb972b22","_type":"block","children":[{"_key":"e46abaa076e6","_type":"span","marks":[],"text":"Spread refers to the difference between the ask price and the bid price of a share. A narrow spread is preferable as it indicates a smaller difference between the prices and therefore usually better liquidity."}],"markDefs":[],"style":"normal"},{"_key":"f4a6fc88118f","_type":"block","children":[{"_key":"57e9c6d06ec6","_type":"span","marks":[],"text":"State Pension"}],"markDefs":[],"style":"h4"},{"_key":"f595f0018975","_type":"block","children":[{"_key":"e34e0bc83958","_type":"span","marks":[],"text":"The State Pension is a type of pension provided by the UK government to eligible UK adults once they reach the State Pension age (currently 66 but rising to 67 from 2026). It's designed to offer a basic amount of financial support during retirement. The amount a person receives depends on their track record of National Insurance contributions. Read more in our full State Pension guide "},{"_key":"9d2df1038e25","_type":"span","marks":["159991fa8c25"],"text":"here"},{"_key":"30c16d2022cd","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"159991fa8c25","_type":"internalLinkPick","reference":{"_ref":"24becfe8-66e5-4cc0-a93d-d43dba6dc2f4","_type":"reference"}}],"style":"normal"},{"_key":"3e3b62f1dba3","_type":"block","children":[{"_key":"8da70320219f0","_type":"span","marks":["strong"],"text":"Stock market"}],"markDefs":[],"style":"h4"},{"_key":"744dda474d4c","_type":"block","children":[{"_key":"eaa2acdf6ac5","_type":"span","marks":[],"text":"Stock markets are public markets where buyers and sellers trade stocks (shares) of publicly listed companies. They are physical places in the real world - like the London Stock Exchange in London or the New York Stock Exchange in New York City."}],"markDefs":[],"style":"normal"},{"_key":"e13852446342","_type":"block","children":[{"_key":"ad308d4351650","_type":"span","marks":["strong"],"text":"Stock split"}],"markDefs":[],"style":"h4"},{"_key":"bafe5d84f793","_type":"block","children":[{"_key":"40b002e25e23","_type":"span","marks":[],"text":"A stock split occurs when a company divides its existing shares into multiple shares. This doesn't affect the company's value but it increases the total number of available shares."}],"markDefs":[],"style":"normal"},{"_key":"69e3327a7800","_type":"block","children":[{"_key":"3390bcee05d10","_type":"span","marks":["strong"],"text":"Stop-loss order"}],"markDefs":[],"style":"h4"},{"_key":"fe08cf2a073c","_type":"block","children":[{"_key":"a773a1e8bf71","_type":"span","marks":[],"text":"A stop-loss order is an instruction an investor makes to sell a stock automatically when it reaches a specific price. It's used to limit losses and manage risk by selling before an investment falls too far in value."}],"markDefs":[],"style":"normal"}],"title":"S"}]},{"_key":"8481abf47333","_type":"block","children":[{"_key":"48cf7212ce43","_type":"span","marks":[],"text":""},{"_key":"1d11a473c668","_type":"mainAnchor","pageAnchor":{"_ref":"b262b86c-c9a0-4114-8e2a-08e5e4c961de","_type":"reference"}},{"_key":"0c74773ea706","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cd8423020438","_type":"dropdownWidget","items":[{"_key":"bb4587ba9e5b","_type":"dropdownObject","text":[{"_key":"6fc4da1b9540","_type":"block","children":[{"_key":"012097806f830","_type":"span","marks":["strong"],"text":"Ticker symbol"}],"markDefs":[],"style":"h4"},{"_key":"177f2b0f0376","_type":"block","children":[{"_key":"058a7bfefb7a","_type":"span","marks":[],"text":"A ticker symbol is a unique combination of letters which represent a particular share on a stock exchange. It serves as a shorthand method for identifying a share. For example, the ticker for Apple on the NASDAQ index is AAPL and the ticker for Shell on the FTSE 100 is SHEL."}],"markDefs":[],"style":"normal"},{"_key":"07b36bf3e4b1","_type":"block","children":[{"_key":"3cc4eb4e5c610","_type":"span","marks":["strong"],"text":"Time horizon"}],"markDefs":[],"style":"h4"},{"_key":"fcde5838a9f8","_type":"block","children":[{"_key":"6398a8e6a179","_type":"span","marks":[],"text":"Time horizon refers to the length of time an investor expects to hold an investment before they intend to sell it to withdraw their funds. "}],"markDefs":[],"style":"normal"},{"_key":"cb403f242e3b","_type":"block","children":[{"_key":"877bebc4a6200","_type":"span","marks":["strong"],"text":"Total return"}],"markDefs":[],"style":"h4"},{"_key":"e1bea9210dd1","_type":"block","children":[{"_key":"fb5b03967cd8","_type":"span","marks":[],"text":"Total return encompasses both the appreciation (or depreciation) in the principal investment plus any dividends or interest earned over a specific period."}],"markDefs":[],"style":"normal"},{"_key":"8eb294ea6e2f","_type":"block","children":[{"_key":"787bcb3730040","_type":"span","marks":["strong"],"text":"Trading volume"}],"markDefs":[],"style":"h4"},{"_key":"95a0391f5573","_type":"block","children":[{"_key":"52e2a0f9f0f4","_type":"span","marks":[],"text":"Trading volume is the total number of shares traded for a specific security during a given period. A high trading volume often indicates increased interest in that security, for example, whereas a low trading volume suggests the opposite."}],"markDefs":[],"style":"normal"},{"_key":"a9ab8ed3648d","_type":"block","children":[{"_key":"bc50c9895fab","_type":"span","marks":["strong"],"text":"Transaction fee"}],"markDefs":[],"style":"h4"},{"_key":"0254cb8ac2cd","_type":"block","children":[{"_key":"770e87047191","_type":"span","marks":[],"text":"A transaction fee is a charge imposed by an investment platform for executing a trade within an investment account."}],"markDefs":[],"style":"normal"},{"_key":"7c37d48ed7e2","_type":"block","children":[{"_key":"78255d69daa00","_type":"span","marks":["strong"],"text":"Treasury bonds"}],"markDefs":[],"style":"h4"},{"_key":"ef9a8811f85f","_type":"block","children":[{"_key":"fdfa48b8f2ab","_type":"span","marks":[],"text":"Treasury bonds are long-term government bonds with fixed interest rates issued by the US Department of the Treasury. Like UK gilts, they're generally considered to be low risk investments."}],"markDefs":[],"style":"normal"}],"title":"T"}]},{"_key":"47adab5547ee","_type":"block","children":[{"_key":"a539d33843d1","_type":"span","marks":[],"text":""},{"_key":"17d5bdfce0f0","_type":"mainAnchor","pageAnchor":{"_ref":"f49e2dc7-879a-4bae-8df6-6f54a69bbc48","_type":"reference"}},{"_key":"5eb9299abe2f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e4c8ee0db985","_type":"dropdownWidget","items":[{"_key":"2fb4e9c023aa","_type":"dropdownObject","text":[{"_key":"2655c953de12","_type":"block","children":[{"_key":"a5e33f2b7d380","_type":"span","marks":[],"text":"Underlying investments"}],"markDefs":[],"style":"h4"},{"_key":"ea1d60470d91","_type":"block","children":[{"_key":"62825c3848ad","_type":"span","marks":[],"text":"An underlying investments is an asset or investment within an investment product or portfolio. For example, shares, bonds and commodities may be underlying investments in a multi-asset fund."}],"markDefs":[],"style":"normal"}],"title":"U"}]},{"_key":"c4f8b456b704","_type":"block","children":[{"_key":"9fcaa15de288","_type":"span","marks":[],"text":""},{"_key":"187795553bcb","_type":"mainAnchor","pageAnchor":{"_ref":"44113b7a-b3f2-4148-a638-0391401e4b1e","_type":"reference"}},{"_key":"d6e662d6d239","_type":"span","marks":[],"text":""},{"_key":"397ff886a3e7","_type":"mainAnchor","pageAnchor":{"_ref":"8348a96f-5f71-4826-8508-d7fae6b929f6","_type":"reference"}},{"_key":"157ae6cf9eb2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d6c7bc5d8ad2","_type":"dropdownWidget","items":[{"_key":"18b6cc1e93f0","_type":"dropdownObject","text":[{"_key":"4f660e0df3b0","_type":"block","children":[{"_key":"90b2da18afa90","_type":"span","marks":["strong"],"text":"Value investing"}],"markDefs":[],"style":"h4"},{"_key":"c9c19b9d6390","_type":"block","children":[{"_key":"093d4b27f804","_type":"span","marks":[],"text":"Value investing is an investment strategy that focuses on selecting shares or securities believed to be trading at a lower price than their intrinsic value. Investors aim to generate a profit on these undervalued assets as and when they increase in value."}],"markDefs":[],"style":"normal"},{"_key":"bcbc4de6ef47","_type":"block","children":[{"_key":"ef810d447591","_type":"span","marks":[],"text":"Volatility"}],"markDefs":[],"style":"h4"},{"_key":"a7919fc153e6","_type":"block","children":[{"_key":"c605e804ba9e","_type":"span","marks":[],"text":"Volatility describes the price movement of an investment or index. High volatility indicates frequent and significant price movement, whereas low volatility denotes less frequent or severe fluctuations in price. In investment speak, a high risk investment is one which has high volatility."}],"markDefs":[],"style":"normal"}],"title":"V"}]},{"_key":"6b37d11be94b","_type":"block","children":[{"_key":"7e889925a527","_type":"span","marks":[],"text":""},{"_key":"6965f683fad7","_type":"mainAnchor","pageAnchor":{"_ref":"866c5b8e-05bc-408e-ac62-fe8fe26141ea","_type":"reference"}},{"_key":"3a266da2d952","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3211122ec76a","_type":"dropdownWidget","items":[{"_key":"1cdcaf71cbff","_type":"dropdownObject","text":[{"_key":"27ee695e2d0e","_type":"block","children":[{"_key":"26e1630880430","_type":"span","marks":["strong"],"text":"Wealth manager"}],"markDefs":[],"style":"h4"},{"_key":"4ac63049c4bd","_type":"block","children":[{"_key":"5c2486f12400","_type":"span","marks":[],"text":"A wealth manager is an individual or company which offers professional assistance in managing an individual's finances, including investments, estate planning, tax strategies, and more. Their aim is to build and protect wealth for their customers."}],"markDefs":[],"style":"normal"},{"_key":"035b631ed3ea","_type":"block","children":[{"_key":"3a1867ba6539","_type":"span","marks":[],"text":"Workplace pension"}],"markDefs":[],"style":"h4"},{"_key":"0a8875eba368","_type":"block","children":[{"_key":"4384b9998f8b","_type":"span","marks":[],"text":"A workplace pension is a type of pension set up by an employer for its employees. Both the employee and the employer contribute to it. The auto-enrolment scheme, introduced in 2012, stipulates that UK employers must enroll all employees who meet certain requirements in a workplace pension scheme. It also outlines minimum contributions for both parties - 5% for employees and 3% for employers."}],"markDefs":[],"style":"normal"}],"title":"W"}]},{"_key":"dedac8c8e713","_type":"block","children":[{"_key":"56ea9b3caaf7","_type":"span","marks":[],"text":""},{"_key":"18c4fc2dbb38","_type":"mainAnchor","pageAnchor":{"_ref":"922bb438-384b-4039-b8d3-f5ed6bd94e75","_type":"reference"}},{"_key":"8bb4d9394ec9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c075083b074e","_type":"dropdownWidget","items":[{"_key":"a9ce8baf661c","_type":"dropdownObject","text":[{"_key":"0de7b57e5de8","_type":"block","children":[{"_key":"0003b2e5b4ff","_type":"span","marks":[],"text":"Yield"}],"markDefs":[],"style":"h4"},{"_key":"296d59384fd2","_type":"block","children":[{"_key":"c66cb6617d20","_type":"span","marks":[],"text":"The yield is the return or profit on an investment, usually expressed as a percentage of the total price. So for example, if the yield on a bond is 5%, this means an investor with £100 in that bond would get £5 of income a year. The yield can include dividends, interest or any other earnings."}],"markDefs":[],"style":"normal"}],"title":"Y"}]},{"_key":"9e2dbb9ccb1e","_type":"block","children":[{"_key":"0e86553a5856","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"214f51532c2c","_type":"block","children":[{"_key":"9397cb0516430","_type":"span","marks":["em"],"text":"Boring Money's glossary is intended to be used for informational purposes only. It does not constitute financial advice or an endorsement of any investment strategy. While efforts have been made to ensure accuracy, investing concepts and terminology may vary and evolve. Readers are encouraged to conduct thorough research and/or "},{"_key":"35e68d7af322","_type":"span","marks":["em","2ac3e84997e7"],"text":"consult with a qualified financial adviser"},{"_key":"bb666d692d9e","_type":"span","marks":["em"],"text":" before making any investment decisions."}],"markDefs":[{"_key":"2ac3e84997e7","_type":"internalLinkPick","reference":{"_ref":"63a19438-721c-4042-b811-f8f2af951e0e","_type":"reference"}}],"style":"normal"}],"excerpt":[{"_key":"ab3040e01784","_type":"block","children":[{"_key":"2f8d19ca1f520","_type":"span","marks":[],"text":"Boring Money's glossary has been created to help you better understand the world of finance and investing. Use it to break through the jargon and learn about common financial words and technical terms that relate to your money."}],"markDefs":[],"style":"normal"}],"linkMenu":[{"_key":"20eb3e6866fc","_ref":"89e11648-b86c-4ffd-a554-f2770c7d054d","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":"An image of an open book and a set of Scrabble letters spelling out 'glossary'","asset":{"_ref":"image-e7bb499b6f0e9736ca8cd31bd4ea6864375b3101-1920x1080-png","_type":"reference"}},"pageBreadcrumb":{"_ref":"2728f286-5c8c-4de2-b707-327b69fa13a9","_type":"reference"},"publishedAt":"2023-12-04T09:41:51.010Z","slug":{"_type":"slug","current":"glossary"},"subfolder":{"_ref":"83495465-d1dd-4049-a955-b065009036e6","_type":"reference"},"subtitle":"A-Z of investing terms and phrases","template":"C-SB","theme":"Boring Money theme","title":"Glossary","widgets":[{"_key":"a88f134deb64","_ref":"79cbfce0-99a3-451e-82d4-c0b6a4487777","_type":"reference"},{"_key":"7270ddcc8d91","_ref":"3fefd2ec-9177-427c-9149-529cd1417d24","_type":"reference"},{"_key":"cc966f5278c5","_ref":"3a6edac9-161a-4f04-9675-c3dbaeffad1b","_type":"reference"},{"_key":"1416d66cb082","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"}],"id":"-1ccb90ef-e8b8-50f8-afca-6922d54ba2c5","children":[],"parent":null},"text":"CLICK HERE"},{"_key":"9285984a29c2","_type":"block","children":[{"_key":"84fec0ffc2a2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7125dabb5209","_type":"block","children":[{"_key":"77be598ce4a0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3ce205101f11","_type":"textboxWidget","text":[{"_key":"5897c9c5c6d6","_type":"block","children":[{"_key":"e44f5c9ca72f","_type":"span","marks":[],"text":"Historically, money invested for more than five years grows more than cash savings. Remember that investments can also fall, so you might not get all of your money back. Tax treatment depends on individual circumstances and may change."}],"markDefs":[],"style":"normal"}],"title":"Information: "}],"brazeCustomAttributes":[{"_key":"f3e321ef8d57","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_ProviderPage","customAttributeValue":"https://www.boringmoney.co.uk/isas-pensions/interactive-investor/"}],"brazeSubscriptionGroupId":"6ff8b394-c40b-4cb3-9396-e41096e561af","brazeSubscriptionRef":null,"categories":[{"_id":"2845ba64-de47-4336-abc9-216ccbb41a52","_type":"category","_rev":"MHiI0B0r7wy6aa3WlFJ6WK","_createdAt":"2022-04-04T09:10:52Z","_updatedAt":"2023-04-28T10:55:48Z","title":"Boring Money Provider Reviews","id":"-56aed686-14fa-58a1-a350-8da89430a4ad","children":[],"parent":null}],"company":{"_id":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4gZ","_createdAt":"2021-09-22T15:41:45Z","_updatedAt":"2026-02-17T00:01:25Z","_system":{"base":{"id":"74d5a1e5-87ac-4f50-a28f-a13923a64829","rev":"YjNvQx4tqfWKwO39Egsu3J"}},"bestBuyAward":{"_id":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"bestBuyAward","_rev":"0FvTSp1yYRm2ugsQpTGUfg","_createdAt":"2026-01-28T13:58:18Z","_updatedAt":"2026-01-28T15:22:02Z","_system":{"base":{"id":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","rev":"XeGAzLHcGDR0dnJYGdNqKN"}},"bestBuyCompareTableLogo":{"_type":"image","asset":{"_ref":"image-007140428d612ce1b60906f9b595c70495cc175b-620x136-png","_type":"reference"}},"informationPage":{"_ref":"fc994c15-ecef-47c1-8b6b-3f316df1f542","_type":"reference"},"name":"Best Buy ISA 2026","providerPageLogo":{"_type":"image","asset":{"_ref":"image-5153835585a1a06339ad0537a54dfafadd68dc20-3201x3200-png","_type":"reference"}},"id":"-aa88658f-6979-553e-ae78-03d471c74923","children":[],"parent":null},"bestBuyType":"ISA","companyBBCats":["DIY","GREEN","BIGBRAND"],"companyDisplayName":"Interactive Investor ","companyLogo":{"_type":"mainImage","alt":"Interactive Investor logo","asset":{"_id":"image-c988342e014f6e550cf4b17e6068ecc77f06d39e-1080x1080-png","_type":"sanity.imageAsset","_rev":"q751mjzXmd3Io5LU2Mm4Yc","_createdAt":"2025-11-12T10:23:22Z","_updatedAt":"2025-11-12T10:23:22Z","assetId":"c988342e014f6e550cf4b17e6068ecc77f06d39e","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"eSS6GMv~$is9ofxanijFjsaz?^T0NakWayo~S$X9W;j[sTjEs:aeae","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1,"height":1080,"width":1080},"hasAlpha":false,"isOpaque":true,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#3c3c3c","foreground":"#fff","population":0.25,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#b46431","foreground":"#fff","population":0,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#fa6406","foreground":"#fff","population":2.37,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#dec4ba","foreground":"#000","population":0.06,"title":"#000"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f5ca9f","foreground":"#000","population":0.13,"title":"#000"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#979797","foreground":"#000","population":1.17,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#fa6406","foreground":"#fff","population":2.37,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"ii logo 2025.png","path":"images/k8qzcdw3/prod1503/c988342e014f6e550cf4b17e6068ecc77f06d39e-1080x1080.png","sha1hash":"c988342e014f6e550cf4b17e6068ecc77f06d39e","size":82232,"uploadId":"bOddnxbbQb2Pml8GXbS8FnGJaSuiQpAF","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/c988342e014f6e550cf4b17e6068ecc77f06d39e-1080x1080.png","filename":"ii logo 2025.png","width":1080,"height":1080,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/c988342e014f6e550cf4b17e6068ecc77f06d39e-1080x1080.png?rect=180,0,720,1080&w=%width%&h=%height%&q=80","id":"image-c988342e014f6e550cf4b17e6068ecc77f06d39e-1080x1080-png","children":[],"parent":null},"blankAltTag":true},"companyName":"ISA Interactive Investor","comparisonCriteria":[{"_key":"0e70877e2778","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"a53a293a059b","_type":"block","children":[{"_key":"2703b3c1d357","_type":"span","marks":[],"text":"Interactive Investor is one of the few groups that has a fixed £ fee, rather than a %. They have 3 different price plans, with the standard plan costing £9.99 per month for an ISA, which also includes one free trade per month."}],"markDefs":[],"style":"normal"}]},{"_key":"e204350eacb8","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"4f778351f05b","_type":"block","children":[{"_key":"8d5f16e0836c","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"6e3ddb217af2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"606d3215038e","_type":"block","children":[{"_key":"58b8be45c475","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"213937547083","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"9528a3a94af6","_type":"block","children":[{"_key":"5b3e794333b6","_type":"span","marks":[],"text":"Funds and Shares: £9.99 per month"}],"markDefs":[],"style":"normal"}]},{"_key":"afafb7cbd951","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"64aa78d305a7","_type":"block","children":[{"_key":"5819c8f2a65c","_type":"span","marks":[],"text":"Funds and Shares: £7.99"}],"markDefs":[],"style":"normal"}]},{"_key":"583e0cb9b41d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"da0fc38c05ec","_type":"block","children":[{"_key":"5af8d7a8863d","_type":"span","marks":[],"text":"1.5% (for a value between £0 and £25k)"}],"markDefs":[],"style":"normal"}]},{"_key":"9c5020ee5553","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"272a019d7c6d","_type":"block","children":[{"_key":"2d5085da3265","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"64e4830c9d8b","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"8d308f5e1cdf","_type":"block","children":[{"_key":"f04cdfd1e21f","_type":"span","marks":[],"text":"No"}],"markDefs":[],"style":"normal"}]},{"_key":"dd2a51bdd309","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"2b00b09c3b80","_type":"block","children":[{"_key":"5579b12a62ef","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8ae6f229f108","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"21b74b287c2a","_type":"block","children":[{"_key":"2daf6d408f01","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"e96a79462867","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"add232c2409f","_type":"block","children":[{"_key":"d57b308f0d5f","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"17a5560364e9","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"f424419a01ff","_type":"block","children":[{"_key":"01b3fa858642","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"6d74b8f7d9dd","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"285f3ac45b7c","_type":"block","children":[{"_key":"7d04e905b7b9","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"82f6319ebbff","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"b5aeea640375","_type":"block","children":[{"_key":"7c7e8aa94a99","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"96047F8D-1E11-4F45-B638-EEDF326EB525","hasOffer":false,"inANutshell":["Low cost for large portfolios","Wide range of investments","Good for share dealing"],"mostPopularRank":3,"noOfReviews":"908","offerText":"Get £50 worth of free trades with an ii Stocks & Shares ISA. T&Cs apply.","ourRating":"8","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_id":"244a4dae-f9f8-44f1-8493-bdf195e5c38d","_type":"linkCategory","_rev":"JV6RAfz0YpcpOL9lTepEEI","_createdAt":"2025-09-12T14:01:19Z","_updatedAt":"2025-12-23T16:02:12Z","_system":{"base":{"id":"244a4dae-f9f8-44f1-8493-bdf195e5c38d","rev":"hhWQx7Hkb3cV5UHVfd0bSL"}},"description":"Affiliate UTM ii ISA New Link September, December2025","url":"https://prf.hn/click/camref:1011l3ScWm/[p_id:1011l562993]/destination:https%3A%2F%2Fwww.ii.co.uk%2Faffiliate%2Fopen-isa-account","id":"-a1c2ae88-e777-5502-87c9-432d6701d229","children":[],"parent":null},"reviewReference":{"_id":"22d041fa-4595-43c0-9055-7853b8b849f0","_type":"information","_rev":"2NU7QvimH4iXa63CW2F0rR","_createdAt":"2021-08-30T10:50:17Z","_updatedAt":"2026-04-13T12:06:05Z","_system":{"base":{"id":"22d041fa-4595-43c0-9055-7853b8b849f0","rev":"M0Jur1844ZW0rjjwpYFBWK"}},"authors":[{"_key":"abe5c98b2960","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"body":[{"_key":"464183fe481a","_type":"providerHeaderWidget","company":{"_ref":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"reference"}},{"_key":"428b009b3fa6","_type":"anchorMenuMobile","title":"menu"},{"_key":"817e0975ea68","_type":"block","children":[{"_key":"998733f3c0f4","_type":"span","marks":[],"text":""},{"_key":"6855dcd0e28b","_type":"mainAnchor","pageAnchor":{"_ref":"be67f70a-2e31-4e77-9282-6784550f85ce","_type":"reference"}},{"_key":"ebe9852a6451","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"aba1cfbe11cc","_type":"ourRatingWidget","company":{"_ref":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"reference"}},{"_key":"06e56ad4e01f","_type":"block","children":[{"_key":"8553927898e8","_type":"span","marks":[],"text":""},{"_key":"92dc6c963ebf","_type":"mainAnchor","pageAnchor":{"_ref":"e17eb14a-5082-4a31-911c-e8cf2665fa72","_type":"reference"}},{"_key":"c18545c6b1b4","_type":"span","marks":[],"text":"Investment expert’s opinion "}],"markDefs":[],"style":"h2"},{"_key":"9e41eb5aaa05","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money*","photo":{"_type":"mainImage","alt":"Holly Mackay","asset":{"_ref":"image-07b1620dff47adb00f7704e8ba793962e9b83389-1000x707-jpg","_type":"reference"}},"quote":[{"_key":"e8c4e3801514","_type":"block","children":[{"_key":"d28952914b50","_type":"span","marks":[],"text":"interactive Investor has been steadily improving. Price revisions now make this compelling for those with smaller accounts and also those who manage family accounts. The community app will appeal to those who love investing and want all the chat - it won't be for everyone. The app is good, although the research feels a little 'standalone' and not well integrated to those reviewing existing portfolios. I'm being picky there - it's a very decently priced offer which becomes pretty hard to fault for more seasoned investors with larger sums to invest and manage."}],"markDefs":[],"style":"normal"}]},{"_key":"6ef4fccf92a5","_type":"block","children":[{"_key":"55e4dc878e1e","_type":"span","marks":["em"],"text":"*This is the view of investment expert Holly Mackay based on her first-hand customer experience as a test account holder. This does not constitute regulated advice. You can read more about Holly's investments "},{"_key":"40638548bffa","_type":"span","marks":["em","a65f5f364cbc"],"text":"here"},{"_key":"6093004f3e03","_type":"span","marks":["em"],"text":"."}],"markDefs":[{"_key":"a65f5f364cbc","_type":"internalLinkPick","reference":{"_ref":"6dff6a49-b6ac-46cf-abed-819cb7486e2d","_type":"reference"}}],"style":"small"},{"_key":"0430e923c399","_type":"block","children":[{"_key":"8ffb5d538312","_type":"span","marks":[],"text":""},{"_key":"3d88527d8988","_type":"mainAnchor","pageAnchor":{"_ref":"522348ce-ba06-4d6e-9a76-bf943875d0cf","_type":"reference"}},{"_key":"e7265f8ca310","_type":"span","marks":[],"text":"Who is interactive investor?"}],"markDefs":[],"style":"h2"},{"_key":"b330d98a9a33","_type":"block","children":[{"_key":"f2a05e919a340","_type":"span","marks":[],"text":"It is a subscription-based investment platform founded in the UK in 1995. Based in Manchester with offices in London and Leeds, interactive investor – often shortened to ‘ii’ - boasts over 490,000 customers and has assets under administration of over £97.5 billion. ii’s parent company, Aberdeen, is the largest active asset management firm in the UK. Interactive Investor's acquisition by aberdeen was completed in May 2022. interactive investor states one of its core principles is that “investing should be simple and open to all” and it strives to facilitate this through “transparent, fair fees” and “simple language”."}],"markDefs":[],"style":"normal"},{"_key":"0cca81476535","_type":"block","children":[{"_key":"1d3deae1d37e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"63c10e3e4b3a","_type":"block","children":[{"_key":"aaec50edc9b9","_type":"span","marks":[],"text":""},{"_key":"b4fd3bfc20cc","_type":"mainAnchor","pageAnchor":{"_ref":"cf6f26cf-1a25-40c6-b9bc-7eea852a160b","_type":"reference"}},{"_key":"aa9d1a1907b6","_type":"span","marks":[],"text":"Who is interactive investor good for?"}],"markDefs":[],"style":"h2"},{"_key":"ae0a82d117d9","_type":"block","children":[{"_key":"95638222eb520","_type":"span","marks":[],"text":"The support and research will be most helpful to experienced investors and share traders - it still feels a bit overwhelming for the less confident. Good for international trading."}],"markDefs":[],"style":"normal"},{"_key":"4c550dbe0ed3","_type":"block","children":[{"_key":"e67908712f57","_type":"span","marks":[],"text":""},{"_key":"826aab16b246","_type":"mainAnchor","pageAnchor":{"_ref":"68a2740c-2fdd-48f2-a439-70e9257fa1dc","_type":"reference"}},{"_key":"779be5dad623","_type":"span","marks":[],"text":"Pros and cons"}],"markDefs":[],"style":"h2"},{"_key":"ecb1a098c902","_type":"prosConsWidget","cons":["Overwhelming for less confident investors ","Site and app will feel more intuitive to those used to stockbroker sites and services ","Trading and research not as integrated as with some peers"],"consTitle":"Cons","pros":["Fixed fees make this typically competitive for larger portfolios ","Very wide range of investments ","Strong for international and UK share dealing"],"prosTitle":"In a nutshell "},{"_key":"4fdece96dd47","_type":"block","children":[{"_key":"5af5968df1ff","_type":"span","marks":[],"text":""},{"_key":"7a20f038c581","_type":"mainAnchor","pageAnchor":{"_ref":"9e51cdf7-15a0-4f71-a312-6ed8618ed389","_type":"reference"}},{"_key":"d4d7a1d4b0cd","_type":"span","marks":[],"text":"Investments"}],"markDefs":[],"style":"h2"},{"_key":"5eee0924a7ac","_type":"block","children":[{"_key":"d17a278eb9180","_type":"span","marks":[],"text":"There is a very wide range of over 40,000 different investments on ii, including:"}],"markDefs":[],"style":"normal"},{"_key":"b177d13bf3c9","_type":"table","rows":[{"_key":"row-1767094659215-0","_type":"tableRow","cells":[{"_key":"cell-1767094659215-0-0","_type":"tableCell","content":[{"_key":"5cb2b6a3c99f","_type":"block","children":[{"_key":"edcce6365c67","_type":"span","marks":[],"text":"UK and Foreign Shares"}],"markDefs":[],"style":"normal"}],"isHeader":true,"linkReference":{"_ref":"cb3a5699-c273-4e67-b373-5de2a4569845","_type":"reference"}}]},{"_key":"row-1767094659215-1","_type":"tableRow","cells":[{"_key":"cell-1767094659215-1-0","_type":"tableCell","content":[{"_key":"b84c55a3f78f","_type":"block","children":[{"_key":"eca2102d225a","_type":"span","marks":[],"text":"Funds"}],"markDefs":[],"style":"normal"}],"isHeader":false,"linkReference":{"_ref":"975b751d-234d-456d-8940-f636650c301a","_type":"reference"}}]},{"_key":"row-1767094659215-2","_type":"tableRow","cells":[{"_key":"cell-1767094659215-2-0","_type":"tableCell","content":[{"_key":"c2a74d73fdb7","_type":"block","children":[{"_key":"f72a2cf2f511","_type":"span","marks":[],"text":"Investment Trusts"}],"markDefs":[],"style":"normal"}],"isHeader":false,"linkReference":{"_ref":"e50ed30a-8fd6-48b1-b086-61bdcc227685","_type":"reference"}}]},{"_key":"row-1767094727199","_type":"tableRow","cells":[{"_key":"cell-1767094727199-0","_type":"tableCell","content":[{"_key":"e0ec78184c86","_type":"block","children":[{"_key":"3b0166d9dbfd","_type":"span","marks":[],"text":"ETFs"}],"markDefs":[],"style":"normal"}],"isHeader":false}]},{"_key":"row-1767094727515","_type":"tableRow","cells":[{"_key":"cell-1767094727515-0","_type":"tableCell","content":[{"_key":"ad501079b195","_type":"block","children":[{"_key":"09bd0e87538f","_type":"span","marks":[],"text":"Ready Made Solutions (under their Managed Portfolios)"}],"markDefs":[],"style":"normal"}],"isHeader":false,"linkReference":{"_ref":"25599c4c-bf4f-4150-9d09-613c345b07c8","_type":"reference"}}]},{"_key":"row-1767102145107","_type":"tableRow","cells":[{"_key":"cell-1767102145107-0","_type":"tableCell","content":[{"_key":"e2a6075a0f13","_type":"block","children":[{"_key":"b02f801f9aef","_type":"span","marks":[],"text":"Bonds"}],"markDefs":[],"style":"normal"}],"isHeader":false,"linkReference":{"_ref":"ef452672-20b7-4540-9f6a-d2c7bd3c8542","_type":"reference"}}]}]},{"_key":"abc1702f9a0b","_type":"block","children":[{"_key":"93b1bb793716","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dcd0d7e2717f","_type":"block","children":[{"_key":"a4402479686e0","_type":"span","marks":[],"text":"Interactive investor customers can also opt to invest more sustainably by selecting from ii’s list of sustainable investments, including funds and bonds which ii has specially chosen to “reflect your own values”."}],"markDefs":[],"style":"normal"},{"_key":"b241d4e788b7","_type":"block","children":[{"_key":"2f5c3d651c90","_type":"span","marks":[],"text":"The fund research is outsourced to Morningstar which is fine if undistinguished. Trading is straightforward enough and a nice feature is that a graph and key data is shown to the right of the screen as you enter the share’s name and trade instruction. "}],"markDefs":[],"style":"normal"},{"_key":"89ed5cc57d19","_type":"block","children":[{"_key":"0fc961246d58","_type":"span","marks":[],"text":"This service is still more comfortable with shares than funds. They have a helpful price alert which will notify users of changes to specific investments they are tracking. "}],"markDefs":[],"style":"normal"},{"_key":"da3419fb58e3","_type":"block","children":[{"_key":"2127e9bc38af","_type":"span","marks":[],"text":""},{"_key":"a24a36af65a5","_type":"mainAnchor","pageAnchor":{"_ref":"605cc8d4-a85e-4d6d-94d8-0c4cbebac403","_type":"reference"}},{"_key":"229c9327843f","_type":"span","marks":[],"text":"Accounts"}],"markDefs":[],"style":"h2"},{"_key":"8986d92e269a","_type":"block","children":[{"_key":"17536206f7df0","_type":"span","marks":[],"text":"Interactive investor offers a range of accounts. The table below shows a breakdown of which ones are available and you can scroll down for more information about ii’s ISA, Pension and JISA."}],"markDefs":[],"style":"normal"},{"_key":"bea614a4f574","_type":"tableControl","rows":[{"_key":"d553eb7e8b7d","_type":"row","cells":[{"_key":"8ba431a4e375","_type":"cell","tableStyle":"DB","value":[{"_key":"9d88145724e8","_type":"block","children":[{"_key":"def9e141d4400","_type":"span","marks":["strong"],"text":"Stocks & Shares ISA"}],"markDefs":[],"style":"normal"}]},{"_key":"83bd6dcb3dcf","_type":"cell","tableStyle":"DB","value":[{"_key":"819d38c92dbe","_type":"block","children":[{"_key":"87b5f175900c0","_type":"span","marks":["strong"],"text":"Private Pension (SIPP)"}],"markDefs":[],"style":"normal"}]},{"_key":"31128ead34c2","_type":"cell","tableStyle":"DB","value":[{"_key":"fef778b0f707","_type":"block","children":[{"_key":"a4c7f37b8f6e0","_type":"span","marks":["strong"],"text":"General Investment Account (GIA)"}],"markDefs":[],"style":"normal"}]},{"_key":"56c70b5820d8","_type":"cell","tableStyle":"DB","value":[{"_key":"40217b6a7243","_type":"block","children":[{"_key":"dbb976f4bf520","_type":"span","marks":["strong"],"text":"Lifetime ISA"}],"markDefs":[],"style":"normal"}]},{"_key":"52494242a1a4","_type":"cell","tableStyle":"DB","value":[{"_key":"c4c25c83a69e","_type":"block","children":[{"_key":"6e973223ccce0","_type":"span","marks":["strong"],"text":"Junior ISA"}],"markDefs":[],"style":"normal"}]}]},{"_key":"b52c4264359e","_type":"row","cells":[{"_key":"e212a9c78685","_type":"cell","tableStyle":"W","value":[{"_key":"5814eee43950","_type":"block","children":[{"_key":"e1994bda8d0b","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"60afa26d9702","_type":"cell","tableStyle":"W","value":[{"_key":"10f4079d6321","_type":"block","children":[{"_key":"1c99017b106c","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"5f50d546601f","_type":"cell","tableStyle":"W","value":[{"_key":"6608a198e7c0","_type":"block","children":[{"_key":"aa0d69c14b6a","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]},{"_key":"a262a593642f","_type":"cell","tableStyle":"W","value":[{"_key":"67c3b678b9e7","_type":"block","children":[{"_key":"9ee84b09179d0","_type":"span","marks":["strong"],"text":"✘"}],"markDefs":[],"style":"normal"}]},{"_key":"f2b9b755e66d","_type":"cell","tableStyle":"W","value":[{"_key":"e9b320187dfb","_type":"block","children":[{"_key":"e107c889e03d","_type":"span","marks":["strong"],"text":"✔"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"Accounts"},{"_key":"aac10168317f","_type":"block","children":[{"_key":"c033eca71d49","_type":"span","marks":[],"text":""},{"_key":"c862d9ad81c1","_type":"mainAnchor","pageAnchor":{"_ref":"2c997e7d-1bea-4476-9de0-5ed9b0515370","_type":"reference"}},{"_key":"0bdf78591f31","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f0a54ce26c59","_type":"textboxWidget","text":[{"_key":"0fae1a711445","_type":"block","children":[{"_key":"4cb749ccb1b1","_type":"span","marks":[],"text":"interactive investor has a "},{"_key":"0c8cadc8eb76","_type":"span","marks":["8da1cb090b0b"],"text":"Stocks & Shares ISA"},{"_key":"790bac8107c8","_type":"span","marks":[],"text":", where you can invest up to £20,000 every year completely tax-free. This ISA is available on all 3 main subscription plans – Core, Plus and Premium (more on these in the next section)."}],"markDefs":[{"_key":"8da1cb090b0b","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"07e6e42670cb","_type":"block","children":[{"_key":"635e5c8f39320","_type":"span","marks":[],"text":"Ii ISA customers can choose from a huge range of over 40,000 investments, including UK and international shares, funds, ETFs, investment trusts and bonds. The flat subscription fees, particularly the £5.99 per month charge with a core plan, mean that an ii ISA can be low cost for larger portfolios of £50,000+ compared to other platforms on the market."}],"markDefs":[],"style":"normal"},{"_key":"2b7040b8e799","_type":"block","children":[{"_key":"07c97a7fb7ab","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"interactive investor ISA review"},{"_key":"e57217cbd244","_type":"block","children":[{"_key":"36776df6e5eb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"f13a7f588632","_type":"block","children":[{"_key":"ac1d67edb75c","_type":"span","marks":[],"text":"ISA & Trading Account offers on interactive investor*"}],"markDefs":[],"style":"h4"},{"_key":"4e49c79321b3","_type":"block","children":[{"_key":"e147ebb79aec","_type":"span","marks":[],"text":"Get between £100 - £3,000 cashback when you open an ii Stocks & Shares ISA or Trading Account."}],"markDefs":[],"style":"normal"},{"_key":"35ef08288bd6","_type":"block","children":[{"_key":"4113fb9bd3ae","_type":"span","marks":[],"text":"Capital at risk. Offer ends 30th April 2026. *Terms & trading fees apply. New and existing customers opening an ISA or Trading Account. £20,000 minimum deposit required. "}],"markDefs":[],"style":"h6"},{"_key":"9f55494391ef","_type":"block","children":[{"_key":"bb77c31eb1d4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h6"}],"_key":"7131bde39b48","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"partner":true,"reference":{"_ref":"244a4dae-f9f8-44f1-8493-bdf195e5c38d","_type":"reference"},"text":"READ MORE"},{"_key":"cf21a6ffc53d","_type":"block","children":[{"_key":"fbe44042e1cc","_type":"span","marks":[],"text":""},{"_key":"0c6a2f4ededf","_type":"mainAnchor","pageAnchor":{"_ref":"ff57f94f-5ad4-4b79-b2cb-f15cbcbe2361","_type":"reference"}},{"_key":"17573ba40b2a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8edd86c00399","_type":"textboxWidget","text":[{"_key":"a010d6fe06ef","_type":"block","children":[{"_key":"8c24f895e410","_type":"span","marks":[],"text":"interactive investor offers a"},{"_key":"1cb564a200be","_type":"span","marks":["b6f6cf0a5b7a"],"text":" pension"},{"_key":"ef5ef9ff9830","_type":"span","marks":[],"text":" (SIPP), where you can invest up to £60,000 every tax year to put towards your retirement savings."}],"markDefs":[{"_key":"b6f6cf0a5b7a","_type":"internalLinkPick","reference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"}}],"style":"normal"},{"_key":"ef6911ce1ee6","_type":"block","children":[{"_key":"5b50c31f3a690","_type":"span","marks":[],"text":"As with the Stocks & Shares ISA, ii SIPP users can select from a range of over 40,000 investments including funds, shares, ETFs, investment trusts and bonds."}],"markDefs":[],"style":"normal"},{"_key":"3c9fcacc9ead","_type":"block","children":[{"_key":"3e234a45e4ec0","_type":"span","marks":[],"text":"Users can set up an ii SIPP from as little as £5.99 per month with the Core plan. Alternatively, you can pay £14.99 per month for a SIPP with the Plus plan for portfolios over £100,000."}],"markDefs":[],"style":"normal"},{"_key":"39f9f200e20c","_type":"block","children":[{"_key":"f532a3d12874","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"interactive investor Pension review"},{"_key":"6024400f8df2","_type":"block","children":[{"_key":"d77f6ffff01a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"f13a7f588632","_type":"block","children":[{"_key":"ac1d67edb75c","_type":"span","marks":[],"text":"SIPP offers on interactive investor*"}],"markDefs":[],"style":"h4"},{"_key":"26f9ca46e06c","_type":"block","children":[{"_key":"e147ebb79aec","_type":"span","marks":[],"text":"Get between £100 - £3,000 cashback when you open an ii Personal Pension (SIPP)."}],"markDefs":[],"style":"normal"},{"_key":"cbe6f8130263","_type":"block","children":[{"_key":"e147ebb79aec","_type":"span","marks":[],"text":"Capital at risk. Offer ends 30 April 2026. *Terms & trading fees apply. New & existing customers opening a SIPP. £20,000 minimum deposit required. "}],"markDefs":[],"style":"h6"},{"_key":"9f55494391ef","_type":"block","children":[{"_key":"bb77c31eb1d4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h6"}],"_key":"8680b82d0e28","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"partner":true,"reference":{"_ref":"f9312930-fefc-4566-b8e0-fe172aaa73e0","_type":"reference"},"text":"READ MORE"},{"_key":"57324cc9c37b","_type":"block","children":[{"_key":"caf4140f8b30","_type":"span","marks":[],"text":""},{"_key":"006ffef68925","_type":"mainAnchor","pageAnchor":{"_ref":"ee27d09d-a3cd-4792-9e2a-c3c517b2e0b2","_type":"reference"}},{"_key":"8052775bf93c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a71891c34a07","_type":"textboxWidget","text":[{"_key":"39d0b591ba1b","_type":"block","children":[{"_key":"3bbaa8179182","_type":"span","marks":[],"text":"interactive investor has a "},{"_key":"f4137cbee9bb","_type":"span","marks":["1ea80123d681"],"text":"Stocks & Shares Junior ISA"},{"_key":"54d4dad2cf29","_type":"span","marks":[],"text":", where you can invest up to £9,000 every tax year on behalf of your children or grandchildren."}],"markDefs":[{"_key":"1ea80123d681","_type":"internalLinkPick","reference":{"_ref":"d5b77d3e-daa0-4a42-ba55-c68b5fce8fff","_type":"reference"}}],"style":"normal"},{"_key":"a0c9f73d919a","_type":"block","children":[{"_key":"107a952bfa9e0","_type":"span","marks":[],"text":"Ii JISAs are free of charge but are only available to customers who have a standard Investor or Super Investor plan."}],"markDefs":[],"style":"normal"},{"_key":"9b8b9d2e500c","_type":"block","children":[{"_key":"32f6a38556800","_type":"span","marks":[],"text":"Like the adult Stocks & Shares ISA, ii JISA users can choose to invest in over 40,000 shares, funds, ETFs, investment trusts and bonds."}],"markDefs":[],"style":"normal"},{"_key":"997533e032eb","_type":"block","children":[{"_key":"7ac7da92b2480","_type":"span","marks":[],"text":"There are no trading fees if you set up a regular investing plan starting from just £25 per month."}],"markDefs":[],"style":"normal"},{"_key":"febf565ff741","_type":"block","children":[{"_key":"4385cebbfc46","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f543a5cd999c","_type":"block","children":[{"_key":"3d1b0df633f10","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"interactive investor JISA review"},{"_key":"7f290ebb284c","_type":"block","children":[{"_key":"952a01f07602","_type":"span","marks":[],"text":""},{"_key":"7b99416e04ab","_type":"mainAnchor","pageAnchor":{"_ref":"4e980c11-5605-4480-b5cf-9ef6d1970af0","_type":"reference"}},{"_key":"540e68df172d","_type":"span","marks":[],"text":"Fees and charges"}],"markDefs":[],"style":"h2"},{"_key":"6c91a4f0b044","_type":"block","children":[{"_key":"833b035673750","_type":"span","marks":[],"text":"The cost of investing with ii will vary depending on which subscription plan you have, what account you have and what you invest in."}],"markDefs":[],"style":"normal"},{"_key":"b4a670e4baa3","_type":"block","children":[{"_key":"555cae7f97840","_type":"span","marks":[],"text":"The monthly subscription fee, however, is flat – meaning it stays the same amount even as the size of your account grows. This sets ii apart from many other investment platforms currently on the market for being comparatively cheap for larger portfolios."}],"markDefs":[],"style":"normal"},{"_key":"073a8cb5d8f8","_type":"block","children":[{"_key":"96c569f5f6fa0","_type":"span","marks":[],"text":"The table below illustrates the key costs for each subscription plan. "}],"markDefs":[],"style":"normal"},{"_key":"5eb7c5deac53","_type":"table","rows":[{"_key":"row-1776080686596-0","_type":"tableRow","cells":[{"_key":"cell-1776080686596-0-0","_type":"tableCell","content":[{"_key":"59f960969fbe","_type":"block","children":[{"_key":"38a85e6db979","_type":"span","marks":["strong"],"text":"Plan"}],"markDefs":[],"style":"normal"}],"isHeader":true},{"_key":"cell-1776080686596-0-1","_type":"tableCell","content":[{"_key":"12b09fdd4d96","_type":"block","children":[{"_key":"85465aec0d32","_type":"span","marks":["strong"],"text":"Charge"}],"markDefs":[],"style":"normal"}],"isHeader":true},{"_key":"cell-1776080686596-0-2","_type":"tableCell","content":[{"_key":"78a1f5b8a38e","_type":"block","children":[{"_key":"e995e68518a5","_type":"span","marks":["strong"],"text":"Value"}],"markDefs":[],"style":"normal"}],"isHeader":true},{"_key":"cell-1776080689047-0","_type":"tableCell","content":[{"_key":"b585cb4fb930","_type":"block","children":[{"_key":"0aacb37f1035","_type":"span","marks":["strong"],"text":"Trading fees"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080689856-0","_type":"tableCell","content":[{"_key":"5f685fd929f1","_type":"block","children":[{"_key":"ea2858a834e3","_type":"span","marks":["strong"],"text":"Additional information"}],"markDefs":[],"style":"normal"}],"isHeader":false}]},{"_key":"row-1776080686596-1","_type":"tableRow","cells":[{"_key":"cell-1776080686596-1-0","_type":"tableCell","content":[{"_key":"24b3863b0719","_type":"block","children":[{"_key":"f038a7fcdfae","_type":"span","marks":[],"text":"Core"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080686596-1-1","_type":"tableCell","content":[{"_key":"6f7305a49bab","_type":"block","children":[{"_key":"89f4f85b1440","_type":"span","marks":[],"text":"£5.99 per month"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080686596-1-2","_type":"tableCell","content":[{"_key":"cf128d74ce92","_type":"block","children":[{"_key":"93e9d2bf869a","_type":"span","marks":[],"text":"< £100k"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080689047-1","_type":"tableCell","content":[{"_key":"60d618c9111a","_type":"block","children":[{"_key":"e6d6b2403884","_type":"span","marks":[],"text":"UK and US shares, funds & investment trusts: £3.99\nOther international shares: £9.99"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080689856-1","_type":"tableCell","content":[{"_key":"565c170421b1","_type":"block","children":[{"_key":"b63ae8d43f92","_type":"span","marks":[],"text":"Users are automatically upgraded to the Plus plan if their balance exceeds £100k\n\nRegular investment: Free\nDividend reinvestment: £0.99\nTelephone trades: £49 (in addition to relevant online commission)\n\nForeign exchange fee: 0.75%"}],"markDefs":[],"style":"normal"}],"isHeader":false}]},{"_key":"row-1776080686596-2","_type":"tableRow","cells":[{"_key":"cell-1776080686596-2-0","_type":"tableCell","content":[{"_key":"da5bfbf8914d","_type":"block","children":[{"_key":"00c4eb1e1abe","_type":"span","marks":[],"text":"Plus"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080686596-2-1","_type":"tableCell","content":[{"_key":"a3cdc17f90b2","_type":"block","children":[{"_key":"b35bb4cc24ea","_type":"span","marks":[],"text":"£14.99 per month"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080686596-2-2","_type":"tableCell","content":[{"_key":"7383d3c69683","_type":"block","children":[{"_key":"c00f742b5bf4","_type":"span","marks":[],"text":"All"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080689047-2","_type":"tableCell","content":[{"_key":"75b506ed74df","_type":"block","children":[{"_key":"741247e6c6bf","_type":"span","marks":[],"text":"Funds: £1.49\nUK and US shares: £3.99\nOther international shares: £7.99"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080689856-2","_type":"tableCell","content":[{"_key":"c59be9a275d0","_type":"block","children":[{"_key":"62bf091a9571","_type":"span","marks":["strong"],"text":"Free monthly trading credit worth £3.99"},{"_key":"bde531f422ba","_type":"span","marks":[],"text":"\n\nUsers are entitled to five free family and friends accounts. Each friend or family can invest up to £100k in an ISA or a GIA.\n\nRegular investment: Free\nDividend reinvestment: £0.99\nTelephone trades: £49 (in addition to relevant online commission)\n\nExisting customers can open JISAs at no extra cost\n\nForeign exchange fee depends on transaction value:\nFirst £50k: 0.75%\n£50k+: 0.25%"}],"markDefs":[],"style":"normal"}],"isHeader":false}]},{"_key":"row-1776080801981","_type":"tableRow","cells":[{"_key":"cell-1776080801981-0","_type":"tableCell","content":[{"_key":"b0542bf66fd8","_type":"block","children":[{"_key":"38fbfd9e106b","_type":"span","marks":[],"text":"Premium"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080801981-1","_type":"tableCell","content":[{"_key":"7f953f1912e2","_type":"block","children":[{"_key":"6dcd5c25d80d","_type":"span","marks":[],"text":"£39.99 per month"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080801981-2","_type":"tableCell","content":[{"_key":"1d85ccc53124","_type":"block","children":[{"_key":"fa2021186811","_type":"span","marks":[],"text":"All"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080801981-3","_type":"tableCell","content":[{"_key":"0741932a2a0d","_type":"block","children":[{"_key":"a766f3e249e8","_type":"span","marks":[],"text":"Funds: Free\nUK shares, investment trusts, US shares: £2.99\nOther international shares: £5.99\nUK shares & funds over £100k: £40\nUS shares over £100k: 0.04%\nInternational shares over £25k: 0.01%"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080801981-4","_type":"tableCell","content":[{"_key":"e1ac7533fee1","_type":"block","children":[{"_key":"ad7946eaf519","_type":"span","marks":["strong"],"text":"2 x Free monthly trading credits"},{"_key":"7f2c863232f6","_type":"span","marks":[],"text":"\n\nUnlimited free family and friends accounts. Each friend or family can invest up to £100k in an ISA or a GIA.\n\nAccess to ii360 advanced trading platform\n\nRegular investment: Free\nDividend reinvestment: Free\nTelephone trades: £49 (in addition to relevant online commission)\n\nExisting customers on non-essential plan can open JISAs at no extra cost\n\nForeign exchange fee: 0.25% for any value"}],"markDefs":[],"style":"normal"}],"isHeader":false}]}]},{"_key":"55c23f3844a1","_type":"block","children":[{"_key":"de143de1dca5","_type":"span","marks":["em"],"text":"NB: the per-month price includes access to ISA, SIPP, and trading account. If the total account balance (ISA+SIPP+GIA) exceeds £100k, then clients are moved onto the Plus plan from the Core plan."}],"markDefs":[],"style":"normal"},{"_key":"c0b70c82a423","_type":"block","children":[{"_key":"de143de1dca5","_type":"span","marks":[],"text":"\nInteractive investor offers a flexible Friends and Family program with its Plus plan, with each allowed to invest up to £100k. "}],"markDefs":[],"style":"normal"},{"_key":"11ee0ae35c60","_type":"block","children":[{"_key":"12afe09c05310","_type":"span","marks":[],"text":"For larger trades, interactive investor applies different fee structures. UK trades over £100,000 incur a flat £40 fee, while US trades above the same threshold are charged at 0.04% of the trade value. For other international shares, trades exceeding £25,000 are subject to a 0.10% fee."}],"markDefs":[],"style":"normal"},{"_key":"436230e225ec","_type":"block","children":[{"_key":"1bf70b03cff4","_type":"span","marks":[],"text":"See our guide to fees "},{"_key":"8ed95df33030","_type":"span","marks":["44534c37b1c0"],"text":"here"},{"_key":"3b8f644d09b2","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"44534c37b1c0","_type":"internalLinkPick","reference":{"_ref":"bdb60e29-14c8-4612-8d98-75541575b310","_type":"reference"}}],"style":"normal"},{"_key":"c4045728d3eb","_type":"block","children":[{"_key":"2152c330ffe20","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c93d5c60a772","_type":"calcBlock","dashboardId":"96047F8D-1E11-4F45-B638-EEDF326EB525","defaultWrapper":"ISA","introPara":{"_ref":"2b148783-9a10-400d-abc8-d48e9be3a0e2","_type":"reference"},"title":"See how much it would cost you","wrapperOptions":["ISA","PENSION","JISA"],"wrapperText":{"_ref":"3c588c87-09c8-4743-94a5-23af89c4063e","_type":"reference"}},{"_key":"ef8c9645422c","_type":"block","children":[{"_key":"6c003e21ecbf","_type":"span","marks":[],"text":""},{"_key":"e37c6924e3c9","_type":"mainAnchor","pageAnchor":{"_ref":"9a9a5fd8-03e4-41c0-8bb9-96205fa99fa0","_type":"reference"}},{"_key":"0d7894bd3df8","_type":"span","marks":[],"text":"Customer reviews "}],"markDefs":[],"style":"h2"},{"_key":"b4077835a7f2","_type":"block","children":[{"_key":"dda02ad2e21a0","_type":"span","marks":[],"text":"Interactive investor customers generally like the “clear” and “low” fees, “easy to use” website, and the very wide range of investment options to choose from. Negative feedback includes the need for more research tools and “too much downtime” on the app due to regular updates."}],"markDefs":[],"style":"normal"},{"_key":"4576979152e5","_type":"yourRatingWidget","company":{"_ref":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"reference"}},{"LeftSideText":[{"_key":"a5e385a543a5","_type":"block","children":[{"_key":"ed18ec59ea94","_type":"span","marks":["strong"],"text":"Your opinion matters!"}],"markDefs":[],"style":"normal"},{"_key":"5d776d3410c9","_type":"block","children":[{"_key":"3ae73a68093f","_type":"span","marks":[],"text":"Leave a review for Interactive Investor "}],"markDefs":[],"style":"normal"}],"_key":"d33a61516a08","_type":"companyReviewWidget","buttonText":"RATE PROVIDER","company":{"_ref":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"reference"}},{"_key":"eaff3b4dec53","_type":"block","children":[{"_key":"d8d75a547c1b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"843f9b07cb24","_type":"providerReviewsWidget","company":{"_ref":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"reference"},"companyReviewPageReference":{"_ref":"4b7cba4b-291e-4efa-b50e-3d607bba1e5d","_type":"reference"}},{"_key":"b6a504230c76","_type":"block","children":[{"_key":"2d08e68f48de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7bb65f19290f","_type":"block","children":[{"_key":"483808752bd5","_type":"span","marks":[],"text":""},{"_key":"1e9f27779e7e","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"47eec671523c","_type":"span","marks":[],"text":"Most asked questions"}],"markDefs":[],"style":"h2"},{"_key":"a54c04e27f3c","_type":"block","children":[{"_key":"b577fbe1987b","_type":"span","marks":[],"text":""},{"_key":"5dec1d1793da","_type":"mainAnchor","pageAnchor":{"_ref":"d1046785-69e9-496b-ad81-606ac5827160","_type":"reference"}},{"_key":"bf2b5d5052a9","_type":"span","marks":[],"text":" Is interactive investor safe?"}],"markDefs":[],"style":"h3"},{"_key":"5f085379f72d","_type":"block","children":[{"_key":"0bb28d2902170","_type":"span","marks":[],"text":"Cash savings with Interactive Investor are covered by the UK government’s Financial Services Compensation Scheme (FSCS), which guarantees reimbursement up to the value of £120,000 per person in the event that Interactive Investor fails. Any amount above this threshold is unlikely to be covered. Investments with Interactive Investor, on the other hand, are not guaranteed - by their nature, investments can and will go up and down in value."}],"markDefs":[],"style":"normal"},{"_key":"0ede0eecaea6","_type":"block","children":[{"_key":"1c9ab97af394","_type":"span","marks":[],"text":""},{"_key":"f5281984d44b","_type":"mainAnchor","pageAnchor":{"_ref":"565edaa6-ad24-4e23-9720-11938d4dd074","_type":"reference"}},{"_key":"030056b1c28e","_type":"span","marks":[],"text":"Who owns interactive investor?"}],"markDefs":[],"style":"h3"},{"_key":"181198f8317a","_type":"block","children":[{"_key":"d219a5e3e91c0","_type":"span","marks":[],"text":"Interactive investor is a privately-owned company which means you cannot buy shares of ii itself. In May 2022, ii was acquired by global asset management firm abrdn (formerly Standard Life Aberdeen)."}],"markDefs":[],"style":"normal"},{"_key":"339cca4013be","_type":"block","children":[{"_key":"14bae8ebe7af","_type":"span","marks":[],"text":""},{"_key":"6a0f6975bb7b","_type":"mainAnchor","pageAnchor":{"_ref":"2b0bc83e-f74d-4d79-bde5-897aba72c9ba","_type":"reference"}},{"_key":"1592249c8b09","_type":"span","marks":[],"text":"Does interactive investor have an app?"}],"markDefs":[],"style":"h3"},{"_key":"77ddad68e582","_type":"block","children":[{"_key":"dc54af5b952e0","_type":"span","marks":[],"text":"Yes, interactive investor customers can view and manage their account on the mobile app. The mobile app is cleaner and easier to use than the desktop site and there is two-factor authentication as well. Users are able to research, trade and add money to their portfolio which is not common across all apps - there's good depth. There are features to appeal to those who trade regularly such as watchlists and in-depth market research."}],"markDefs":[],"style":"normal"},{"_key":"9760d5ebef04","_type":"block","children":[{"_key":"0b93af3fbc88","_type":"span","marks":[],"text":"You can download it on the "},{"_key":"c82f0426edd7","_type":"span","marks":["c0aca838247f"],"text":"Google Play Store"},{"_key":"8265402a6bd0","_type":"span","marks":[],"text":" and "},{"_key":"ba24dadf3bd7","_type":"span","marks":["668b25bca2ad"],"text":"App Store"},{"_key":"8ef0e06ebe3a","_type":"span","marks":[],"text":". "}],"markDefs":[{"_key":"c0aca838247f","_type":"internalLinkPick","reference":{"_ref":"e526abd5-4b57-4b84-8b51-10f6515bd836","_type":"reference"}},{"_key":"668b25bca2ad","_type":"internalLinkPick","reference":{"_ref":"bb3c841e-2398-462a-bd28-501eda96a754","_type":"reference"}}],"style":"normal"},{"_key":"f7fc4361d631","_type":"block","children":[{"_key":"8d72550cc03e","_type":"span","marks":[],"text":""},{"_key":"8d1e16353142","_type":"mainAnchor","pageAnchor":{"_ref":"4299ca1c-cf4d-436f-8257-48c2221e7b4d","_type":"reference"}},{"_key":"f9c4f700daaa","_type":"span","marks":[],"text":"What is trading credit on interactive investor?"}],"markDefs":[],"style":"h3"},{"_key":"463b88cb334d","_type":"block","children":[{"_key":"fee5465efa3e0","_type":"span","marks":[],"text":"As part of ii’s Investor and Super Investor plans, members receive free trading credits as a reward for their subscription. These credits can be put towards trading fees in any account for the following investments:"}],"markDefs":[],"style":"normal"},{"_key":"71058aa45430","_type":"block","children":[{"_key":"2b0918b1f3990","_type":"span","marks":[],"text":"UK and international shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d40ffa03fca4","_type":"block","children":[{"_key":"1544eabfcd8e0","_type":"span","marks":[],"text":"ETFs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1e2f60139f7b","_type":"block","children":[{"_key":"92c5278f28ce0","_type":"span","marks":[],"text":"Funds"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1363f52fc160","_type":"block","children":[{"_key":"a1e88d278ddc0","_type":"span","marks":[],"text":"Investment trusts"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b518f4f5f6f2","_type":"block","children":[{"_key":"20180fd97b310","_type":"span","marks":[],"text":"Dividend reinvestment"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"eb585344bfdb","_type":"block","children":[{"_key":"c624e19393320","_type":"span","marks":[],"text":"Note that the free trading credit is only available for 31 days after it is issued."}],"markDefs":[],"style":"normal"},{"_key":"34175324dea9","_type":"block","children":[{"_key":"184d812bccdc0","_type":"span","marks":[],"text":"Members will receive their first free trading credit up to 48 hours after your initial service plan fee is successfully taken. Subsequent credits are issued up to 48 hours after your monthly service plan fee is successfully taken."}],"markDefs":[],"style":"normal"},{"_key":"93fad138a399","_type":"block","children":[{"_key":"553c0af5bbd50","_type":"span","marks":[],"text":"You can read more about "},{"_key":"66c361727b94","_type":"span","marks":["2ad4e55d73e8"],"text":"free trading credits "},{"_key":"84e8640f4c7f","_type":"span","marks":[],"text":"on the interactive investor website."}],"markDefs":[{"_key":"2ad4e55d73e8","_type":"internalLinkPick","reference":{"_ref":"42db1f37-59d8-435f-b603-10d4580d3c42","_type":"reference"}}],"style":"normal"},{"_key":"4a7491dab915","_type":"block","children":[{"_key":"80c52f5aeaa5","_type":"span","marks":[],"text":""},{"_key":"b5650303b2ef","_type":"mainAnchor","pageAnchor":{"_ref":"73420b87-6037-401a-8cc7-26b2c713e452","_type":"reference"}},{"_key":"f4267af5d88b","_type":"span","marks":[],"text":"Does interactive investor pay interest on cash?"}],"markDefs":[],"style":"h3"},{"_key":"7ebf50654e73","_type":"block","children":[{"_key":"0f596b52ab1d0","_type":"span","marks":[],"text":"Yes, interactive investor pays interest on cash balances in its ISA, GIA, JISA and SIPP accounts held in British Pounds and US Dollars."}],"markDefs":[],"style":"normal"},{"_key":"6c06c2a498c1","_type":"block","children":[{"_key":"7956d6b8c82f0","_type":"span","marks":[],"text":"At the time of writing, for ISA, GIA and JISA accounts, cash interest applies at the following rates: 1.76% AER on the first £10,000, 2.78% on the value between £10,000.01 - £100,000, and 3.82% on anything over £100,000."}],"markDefs":[],"style":"normal"},{"_key":"e2483e4b2dc7","_type":"block","children":[{"_key":"1ccaff6ee07a0","_type":"span","marks":[],"text":"For SIPP accounts, cash interest is 2.78% AER on the first £10,000, 3.56% on the value between £10,000.01 - £100,000, and 4.07% on anything over £100,000."}],"markDefs":[],"style":"normal"},{"_key":"5e25f621e67a","_type":"block","children":[{"_key":"cf6fc2b135960","_type":"span","marks":[],"text":"Interest on all interactive investor accounts is calculated on your daily cleared credit balance and credited on or around the 25th of each month."}],"markDefs":[],"style":"normal"},{"_key":"02c7458e1e74","_type":"block","children":[{"_key":"453e5970010a0","_type":"span","marks":[],"text":"These rates are subject to change. For the most up to date information, go to the "},{"_key":"2cb4ca9a23ef","_type":"span","marks":["2a19efc10a8e"],"text":"interactive investor website"},{"_key":"652eb9d49b9a","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"2a19efc10a8e","_type":"internalLinkPick","reference":{"_ref":"6df14e3d-1101-40c0-9e62-ffecde78e3b8","_type":"reference"}}],"style":"normal"},{"_key":"f99acb4118c8","_type":"block","children":[{"_key":"f5f9431b875c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"52facea2fb64","_type":"block","children":[{"_key":"e37e9f95214e","_type":"span","marks":["strong"],"text":"Visit the interactive investor website for more information"}],"markDefs":[],"style":"normal"}],"_key":"71c0b69b3018","_type":"ctaWidget","openNewTab":true,"partner":true,"reference":{"_ref":"d09e87ba-fe3f-4cbc-9520-4a08a2955495","_type":"reference"},"text":"VISIT SITE "},{"_key":"cc97233cc96b","_type":"block","children":[{"_key":"0cc1b51a4bda","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ae61ecfb659a","_type":"block","children":[{"_key":"565f0b36e0fe","_type":"span","marks":[],"text":""},{"_key":"f6ef2c96a312","_type":"mainAnchor","pageAnchor":{"_ref":"08f91d37-f8e6-4d45-bf2f-c8d9fb950e62","_type":"reference"}},{"_key":"14b9a8092aa7","_type":"span","marks":[],"text":"Glossary"}],"markDefs":[],"style":"h2"},{"LeftSideText":[{"_key":"fee6100bb3ec","_type":"block","children":[{"_key":"e8efc3d7ce4a","_type":"span","marks":["strong"],"text":"Not 100% sure you understand something we’ve written in this review? "}],"markDefs":[],"style":"normal"},{"_key":"9acb1a0520ad","_type":"block","children":[{"_key":"1b19a24ae829","_type":"span","marks":[],"text":"Discover jargon-free definitions of the most common words and technical terms used in the world of investing."}],"markDefs":[],"style":"normal"}],"_key":"5074696e7598","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"5d7b7a10-93b8-4e8e-b898-eeb81f7bb976","_type":"reference"},"text":"CLICK HERE"},{"_key":"9285984a29c2","_type":"block","children":[{"_key":"84fec0ffc2a2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7125dabb5209","_type":"block","children":[{"_key":"77be598ce4a0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3ce205101f11","_type":"textboxWidget","text":[{"_key":"5897c9c5c6d6","_type":"block","children":[{"_key":"e44f5c9ca72f","_type":"span","marks":[],"text":"Historically, money invested for more than five years grows more than cash savings. Remember that investments can also fall, so you might not get all of your money back. Tax treatment depends on individual circumstances and may change."}],"markDefs":[],"style":"normal"}],"title":"Information: "}],"brazeCustomAttributes":[{"_key":"f3e321ef8d57","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_ProviderPage","customAttributeValue":"https://www.boringmoney.co.uk/isas-pensions/interactive-investor/"}],"brazeSubscriptionGroupId":"6ff8b394-c40b-4cb3-9396-e41096e561af","brazeSubscriptionRef":null,"categories":[{"_key":"028fbe3ca618","_ref":"2845ba64-de47-4336-abc9-216ccbb41a52","_type":"reference"}],"company":{"_ref":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"reference"},"emailSignupWidgetButtonText":"READ FULL REVIEW","emailSignupWidgetParagraphText":"Expert Investment Tools:\nInteractive Fee Calculator\nPlatform Comparison Matrix\nInvestment Selection Guide\nAccount Type Selector Tool\n\n","enableGatedContent":false,"excerpt":[{"_key":"58fd3ea4fb54","_type":"block","children":[{"_key":"ceff5f99c8040","_type":"span","marks":[],"text":"Read our comprehensive review of interactive investor (ii), covering fees, features, and customer ratings. Compare investment accounts, ISAs, and SIPPs to find if ii suits your needs."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"123e85a54942","_type":"providerHeaderWidget","company":{"_ref":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"reference"}},{"_key":"865c29da4148","_type":"ourRatingWidget","company":{"_ref":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"reference"}},{"_key":"7c0c5be25211","_type":"block","children":[{"_key":"cf03dc3f4b690","_type":"span","marks":[],"text":"Are you overpaying for your investment platform? With the UK's second-largest investment provider now offering fixed fees, you might be missing out on significant savings. Many investors pay more in percentage-based fees without realizing there's a better alternative."}],"markDefs":[],"style":"normal"},{"_key":"f0cc28e28e30","_type":"block","children":[{"_key":"ff532914741f0","_type":"span","marks":[],"text":"Interactive Investor (ii) claims to challenge traditional pricing models, but does it deliver real value for your portfolio? Here's what our detailed analysis reveals about this major platform's transformation since joining abrdn."}],"markDefs":[],"style":"normal"},{"_key":"02fb32f56736","_type":"block","children":[{"_key":"b89a5f6beb510","_type":"span","marks":[],"text":"What Our Analysis Revealed"}],"markDefs":[],"style":"h2"},{"_key":"39d8ba7318a2","_type":"block","children":[{"_key":"5c094fad67310","_type":"span","marks":[],"text":"Our investigation found Interactive Investor particularly shines for portfolios over £50,000, with potential fee savings of up to 70% compared to percentage-based platforms. Their award-winning platform earned six prestigious accolades in 2024, including Best Buy ISA and Best for Customer Service."}],"markDefs":[],"style":"normal"},{"_key":"adf9c6b0732b","_type":"block","children":[{"_key":"9287f1757a430","_type":"span","marks":[],"text":"In this comprehensive review, you'll discover:"}],"markDefs":[],"style":"normal"},{"_key":"83c1e95452e2","_type":"textboxWidget","text":[{"_key":"e2de7da1f343","_type":"block","children":[{"_key":"233f7fbe3bb0","_type":"span","marks":[],"text":"How ii's fixed-fee structure could dramatically reduce your investment costs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"759f94624218","_type":"block","children":[{"_key":"0f9e11405cfe","_type":"span","marks":[],"text":"A detailed breakdown of their platform features and investment options"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1559133813be","_type":"block","children":[{"_key":"af6fb87ee260","_type":"span","marks":[],"text":"Expert insights into who benefits most from their services"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"acc304d9ce6a","_type":"block","children":[{"_key":"be65b845f47a","_type":"span","marks":[],"text":"Critical analysis of potential drawbacks and limitations"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"e91a5eb41b96","_type":"block","children":[{"_key":"40bf0b396ffb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d73439495f5c","_type":"block","children":[{"_key":"7f530f635e750","_type":"span","marks":[],"text":"A Different Approach to Fees"}],"markDefs":[],"style":"h2"},{"_key":"64c47f2f8646","_type":"block","children":[{"_key":"a483988c24890","_type":"span","marks":[],"text":"Interactive Investor's revolutionary fixed-fee model starts at just £4.99 monthly for portfolios under £50,000. But the real value emerges when we examine..."}],"markDefs":[],"style":"normal"},{"_key":"bcd2aa8769eb","_type":"block","children":[{"_key":"0ecc9348a15b0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"401c185bce21","_type":"block","children":[{"_key":"e4c95b849cac","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h2"}],"hideTitle":false,"linkMenu":[{"_key":"ceac6f57fb28","_ref":"dce81aa7-2f00-4f1a-886e-6a0c64595c7f","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":"interactive investor ","asset":{"_ref":"image-c988342e014f6e550cf4b17e6068ecc77f06d39e-1080x1080-png","_type":"reference"}},"pageBreadcrumb":{"_ref":"b20d760d-b89c-4cbd-bb8c-d94e4cbe133c","_type":"reference"},"publishedAt":"2025-01-01T10:31:00.000Z","slug":{"_type":"slug","current":"interactive-investor"},"subfolder":{"_ref":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"reference"},"subtitle":"Independent review by Boring Money","template":"C-SB","textNextToKey":"Join thousands of informed investors who've already accessed our complete platform analysis. Subscribe now - it's completely free, and you can unsubscribe anytime.","title":"Is interactive investor good for investing?","widgets":[{"_key":"f0df71ca2fb9","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"},{"_key":"365a7ed8f019","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-57c15d73-0d08-5983-bf8c-f0d9b2ef4431","children":[],"parent":null},"showBBTable":true,"wouldRecommendRating":81.04,"yourRating":"7","id":"-80fffe79-5c14-5c8e-8c67-b81f57eb3d94","children":[],"parent":null},"emailSignupWidgetButtonText":"READ FULL REVIEW","emailSignupWidgetParagraphText":"Expert Investment Tools:\nInteractive Fee Calculator\nPlatform Comparison Matrix\nInvestment Selection Guide\nAccount Type Selector Tool\n\n","enableGatedContent":false,"excerpt":[{"_key":"58fd3ea4fb54","_type":"block","children":[{"_key":"ceff5f99c8040","_type":"span","marks":[],"text":"Read our comprehensive review of interactive investor (ii), covering fees, features, and customer ratings. Compare investment accounts, ISAs, and SIPPs to find if ii suits your needs."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"123e85a54942","_type":"providerHeaderWidget","company":{"_id":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4gZ","_createdAt":"2021-09-22T15:41:45Z","_updatedAt":"2026-02-17T00:01:25Z","_system":{"base":{"id":"74d5a1e5-87ac-4f50-a28f-a13923a64829","rev":"YjNvQx4tqfWKwO39Egsu3J"}},"bestBuyAward":{"_ref":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"reference"},"bestBuyType":"ISA","companyBBCats":["DIY","GREEN","BIGBRAND"],"companyDisplayName":"Interactive Investor ","companyLogo":{"_type":"mainImage","alt":"Interactive Investor logo","asset":{"_ref":"image-c988342e014f6e550cf4b17e6068ecc77f06d39e-1080x1080-png","_type":"reference"},"blankAltTag":true},"companyName":"ISA Interactive Investor","comparisonCriteria":[{"_key":"0e70877e2778","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"a53a293a059b","_type":"block","children":[{"_key":"2703b3c1d357","_type":"span","marks":[],"text":"Interactive Investor is one of the few groups that has a fixed £ fee, rather than a %. They have 3 different price plans, with the standard plan costing £9.99 per month for an ISA, which also includes one free trade per month."}],"markDefs":[],"style":"normal"}]},{"_key":"e204350eacb8","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"4f778351f05b","_type":"block","children":[{"_key":"8d5f16e0836c","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"6e3ddb217af2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"606d3215038e","_type":"block","children":[{"_key":"58b8be45c475","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"213937547083","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"9528a3a94af6","_type":"block","children":[{"_key":"5b3e794333b6","_type":"span","marks":[],"text":"Funds and Shares: £9.99 per month"}],"markDefs":[],"style":"normal"}]},{"_key":"afafb7cbd951","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"64aa78d305a7","_type":"block","children":[{"_key":"5819c8f2a65c","_type":"span","marks":[],"text":"Funds and Shares: £7.99"}],"markDefs":[],"style":"normal"}]},{"_key":"583e0cb9b41d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"da0fc38c05ec","_type":"block","children":[{"_key":"5af8d7a8863d","_type":"span","marks":[],"text":"1.5% (for a value between £0 and £25k)"}],"markDefs":[],"style":"normal"}]},{"_key":"9c5020ee5553","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"272a019d7c6d","_type":"block","children":[{"_key":"2d5085da3265","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"64e4830c9d8b","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"8d308f5e1cdf","_type":"block","children":[{"_key":"f04cdfd1e21f","_type":"span","marks":[],"text":"No"}],"markDefs":[],"style":"normal"}]},{"_key":"dd2a51bdd309","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"2b00b09c3b80","_type":"block","children":[{"_key":"5579b12a62ef","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8ae6f229f108","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"21b74b287c2a","_type":"block","children":[{"_key":"2daf6d408f01","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"e96a79462867","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"add232c2409f","_type":"block","children":[{"_key":"d57b308f0d5f","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"17a5560364e9","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"f424419a01ff","_type":"block","children":[{"_key":"01b3fa858642","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"6d74b8f7d9dd","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"285f3ac45b7c","_type":"block","children":[{"_key":"7d04e905b7b9","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"82f6319ebbff","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"b5aeea640375","_type":"block","children":[{"_key":"7c7e8aa94a99","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"96047F8D-1E11-4F45-B638-EEDF326EB525","hasOffer":false,"inANutshell":["Low cost for large portfolios","Wide range of investments","Good for share dealing"],"mostPopularRank":3,"noOfReviews":"908","offerText":"Get £50 worth of free trades with an ii Stocks & Shares ISA. T&Cs apply.","ourRating":"8","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"244a4dae-f9f8-44f1-8493-bdf195e5c38d","_type":"reference"},"reviewReference":{"_ref":"22d041fa-4595-43c0-9055-7853b8b849f0","_type":"reference"},"showBBTable":true,"wouldRecommendRating":81.04,"yourRating":"7","id":"-80fffe79-5c14-5c8e-8c67-b81f57eb3d94","children":[],"parent":null}},{"_key":"865c29da4148","_type":"ourRatingWidget","company":{"_id":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"companyCategory","_rev":"xacQZuBTbvuqeQ4wPlT4gZ","_createdAt":"2021-09-22T15:41:45Z","_updatedAt":"2026-02-17T00:01:25Z","_system":{"base":{"id":"74d5a1e5-87ac-4f50-a28f-a13923a64829","rev":"YjNvQx4tqfWKwO39Egsu3J"}},"bestBuyAward":{"_ref":"86df92aa-70f0-4db4-a6f4-5935bfb428ef","_type":"reference"},"bestBuyType":"ISA","companyBBCats":["DIY","GREEN","BIGBRAND"],"companyDisplayName":"Interactive Investor ","companyLogo":{"_type":"mainImage","alt":"Interactive Investor logo","asset":{"_ref":"image-c988342e014f6e550cf4b17e6068ecc77f06d39e-1080x1080-png","_type":"reference"},"blankAltTag":true},"companyName":"ISA Interactive Investor","comparisonCriteria":[{"_key":"0e70877e2778","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"72ab065b-cb2a-4dd6-95c1-1537756410ed","_type":"reference"},"text":[{"_key":"a53a293a059b","_type":"block","children":[{"_key":"2703b3c1d357","_type":"span","marks":[],"text":"Interactive Investor is one of the few groups that has a fixed £ fee, rather than a %. They have 3 different price plans, with the standard plan costing £9.99 per month for an ISA, which also includes one free trade per month."}],"markDefs":[],"style":"normal"}]},{"_key":"e204350eacb8","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"31adae9c-d0fd-41c4-bae6-c61daea464e5","_type":"reference"},"text":[{"_key":"4f778351f05b","_type":"block","children":[{"_key":"8d5f16e0836c","_type":"span","marks":[],"text":"Pick from a wide range of investments"}],"markDefs":[],"style":"normal"}]},{"_key":"6e3ddb217af2","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"b6415a9f-bcfa-41f0-ade3-13a8589f862c","_type":"reference"},"text":[{"_key":"606d3215038e","_type":"block","children":[{"_key":"58b8be45c475","_type":"span","marks":[],"text":"-"}],"markDefs":[],"style":"normal"}]},{"_key":"213937547083","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"e963bd3d-acac-4787-ae13-1be1d181bc13","_type":"reference"},"text":[{"_key":"9528a3a94af6","_type":"block","children":[{"_key":"5b3e794333b6","_type":"span","marks":[],"text":"Funds and Shares: £9.99 per month"}],"markDefs":[],"style":"normal"}]},{"_key":"afafb7cbd951","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0f74f496-cb7d-461f-b128-7d3582e98d18","_type":"reference"},"text":[{"_key":"64aa78d305a7","_type":"block","children":[{"_key":"5819c8f2a65c","_type":"span","marks":[],"text":"Funds and Shares: £7.99"}],"markDefs":[],"style":"normal"}]},{"_key":"583e0cb9b41d","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"57bc68d5-2bb1-47c9-82d5-ff20241fb908","_type":"reference"},"text":[{"_key":"da0fc38c05ec","_type":"block","children":[{"_key":"5af8d7a8863d","_type":"span","marks":[],"text":"1.5% (for a value between £0 and £25k)"}],"markDefs":[],"style":"normal"}]},{"_key":"9c5020ee5553","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a7fc95f4-94d7-4a9d-91aa-18437900faf9","_type":"reference"},"text":[{"_key":"272a019d7c6d","_type":"block","children":[{"_key":"2d5085da3265","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"64e4830c9d8b","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"0ce000db-2558-4326-939c-6958ace9fce7","_type":"reference"},"text":[{"_key":"8d308f5e1cdf","_type":"block","children":[{"_key":"f04cdfd1e21f","_type":"span","marks":[],"text":"No"}],"markDefs":[],"style":"normal"}]},{"_key":"dd2a51bdd309","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"7f8a20ff-308a-41ba-a118-dc81bd8e2cf4","_type":"reference"},"text":[{"_key":"2b00b09c3b80","_type":"block","children":[{"_key":"5579b12a62ef","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"8ae6f229f108","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"956c840e-4c8b-4104-811e-ae93b4b21b64","_type":"reference"},"text":[{"_key":"21b74b287c2a","_type":"block","children":[{"_key":"2daf6d408f01","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"e96a79462867","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"312bc3f2-5452-4fda-8e08-c8dd5984dafd","_type":"reference"},"text":[{"_key":"add232c2409f","_type":"block","children":[{"_key":"d57b308f0d5f","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"17a5560364e9","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"fc2449e0-3e62-4da9-9268-525fd853c26c","_type":"reference"},"text":[{"_key":"f424419a01ff","_type":"block","children":[{"_key":"01b3fa858642","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"6d74b8f7d9dd","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"a43ecff7-d5ba-4094-ab22-424679361acd","_type":"reference"},"text":[{"_key":"285f3ac45b7c","_type":"block","children":[{"_key":"7d04e905b7b9","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]},{"_key":"82f6319ebbff","_type":"comparisonCriteriaItemReference","comparisonCriteria":{"_ref":"c898153f-22ba-4160-aed0-fa12e7e0cd9e","_type":"reference"},"text":[{"_key":"b5aeea640375","_type":"block","children":[{"_key":"7c7e8aa94a99","_type":"span","marks":[],"text":"Yes"}],"markDefs":[],"style":"normal"}]}],"dashboardId":"96047F8D-1E11-4F45-B638-EEDF326EB525","hasOffer":false,"inANutshell":["Low cost for large portfolios","Wide range of investments","Good for share dealing"],"mostPopularRank":3,"noOfReviews":"908","offerText":"Get £50 worth of free trades with an ii Stocks & Shares ISA. T&Cs apply.","ourRating":"8","partner":true,"publishedAt":"2021-09-22T15:38:55.708Z","reference":{"_ref":"244a4dae-f9f8-44f1-8493-bdf195e5c38d","_type":"reference"},"reviewReference":{"_ref":"22d041fa-4595-43c0-9055-7853b8b849f0","_type":"reference"},"showBBTable":true,"wouldRecommendRating":81.04,"yourRating":"7","id":"-80fffe79-5c14-5c8e-8c67-b81f57eb3d94","children":[],"parent":null}},{"_key":"7c0c5be25211","_type":"block","children":[{"_key":"cf03dc3f4b690","_type":"span","marks":[],"text":"Are you overpaying for your investment platform? With the UK's second-largest investment provider now offering fixed fees, you might be missing out on significant savings. Many investors pay more in percentage-based fees without realizing there's a better alternative."}],"markDefs":[],"style":"normal"},{"_key":"f0cc28e28e30","_type":"block","children":[{"_key":"ff532914741f0","_type":"span","marks":[],"text":"Interactive Investor (ii) claims to challenge traditional pricing models, but does it deliver real value for your portfolio? Here's what our detailed analysis reveals about this major platform's transformation since joining abrdn."}],"markDefs":[],"style":"normal"},{"_key":"02fb32f56736","_type":"block","children":[{"_key":"b89a5f6beb510","_type":"span","marks":[],"text":"What Our Analysis Revealed"}],"markDefs":[],"style":"h2"},{"_key":"39d8ba7318a2","_type":"block","children":[{"_key":"5c094fad67310","_type":"span","marks":[],"text":"Our investigation found Interactive Investor particularly shines for portfolios over £50,000, with potential fee savings of up to 70% compared to percentage-based platforms. Their award-winning platform earned six prestigious accolades in 2024, including Best Buy ISA and Best for Customer Service."}],"markDefs":[],"style":"normal"},{"_key":"adf9c6b0732b","_type":"block","children":[{"_key":"9287f1757a430","_type":"span","marks":[],"text":"In this comprehensive review, you'll discover:"}],"markDefs":[],"style":"normal"},{"_key":"83c1e95452e2","_type":"textboxWidget","text":[{"_key":"e2de7da1f343","_type":"block","children":[{"_key":"233f7fbe3bb0","_type":"span","marks":[],"text":"How ii's fixed-fee structure could dramatically reduce your investment costs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"759f94624218","_type":"block","children":[{"_key":"0f9e11405cfe","_type":"span","marks":[],"text":"A detailed breakdown of their platform features and investment options"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1559133813be","_type":"block","children":[{"_key":"af6fb87ee260","_type":"span","marks":[],"text":"Expert insights into who benefits most from their services"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"acc304d9ce6a","_type":"block","children":[{"_key":"be65b845f47a","_type":"span","marks":[],"text":"Critical analysis of potential drawbacks and limitations"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"e91a5eb41b96","_type":"block","children":[{"_key":"40bf0b396ffb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d73439495f5c","_type":"block","children":[{"_key":"7f530f635e750","_type":"span","marks":[],"text":"A Different Approach to Fees"}],"markDefs":[],"style":"h2"},{"_key":"64c47f2f8646","_type":"block","children":[{"_key":"a483988c24890","_type":"span","marks":[],"text":"Interactive Investor's revolutionary fixed-fee model starts at just £4.99 monthly for portfolios under £50,000. But the real value emerges when we examine..."}],"markDefs":[],"style":"normal"},{"_key":"bcd2aa8769eb","_type":"block","children":[{"_key":"0ecc9348a15b0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"401c185bce21","_type":"block","children":[{"_key":"e4c95b849cac","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h2"}],"hideTitle":false,"linkMenu":[{"_id":"dce81aa7-2f00-4f1a-886e-6a0c64595c7f","_type":"pageAnchorMenu","_rev":"Am36UX4NubAlkQHvhSrfyt","_createdAt":"2024-01-26T14:55:54Z","_updatedAt":"2024-01-26T14:58:53Z","menuLinksTop":[{"_key":"02cdada8f974","_type":"pageAnchorMenuTop","reference":{"_ref":"9ea52ac4-3bb8-4fe4-b8ea-2c2a5e9004cf","_type":"reference"},"text":"Boring Money's rating"},{"_key":"f2aaacd04f07","_type":"pageAnchorMenuTop","reference":{"_ref":"e17eb14a-5082-4a31-911c-e8cf2665fa72","_type":"reference"},"text":"Investment expert's opinion"},{"_key":"7e71e2ff529b","_type":"pageAnchorMenuTop","reference":{"_ref":"522348ce-ba06-4d6e-9a76-bf943875d0cf","_type":"reference"},"text":"Who is interactive investor?"},{"_key":"51932ef7d45f","_type":"pageAnchorMenuTop","reference":{"_ref":"cf6f26cf-1a25-40c6-b9bc-7eea852a160b","_type":"reference"},"text":"Who is interactive investor good for?"},{"_key":"228ebd8d4a41","_type":"pageAnchorMenuTop","reference":{"_ref":"68a2740c-2fdd-48f2-a439-70e9257fa1dc","_type":"reference"},"text":"Pros and cons"},{"_key":"d93eeb53148a","_type":"pageAnchorMenuTop","reference":{"_ref":"9e51cdf7-15a0-4f71-a312-6ed8618ed389","_type":"reference"},"text":"Investments"},{"_key":"4ecd777294d6","_type":"pageAnchorMenuTop","menuChildLinks":[{"_key":"21249e30db38","_type":"pageAnchorMenuChild","reference":{"_ref":"2c997e7d-1bea-4476-9de0-5ed9b0515370","_type":"reference"},"text":"ISA"},{"_key":"72f616844e11","_type":"pageAnchorMenuChild","reference":{"_ref":"ff57f94f-5ad4-4b79-b2cb-f15cbcbe2361","_type":"reference"},"text":"Pension"},{"_key":"91804121ef0d","_type":"pageAnchorMenuChild","reference":{"_ref":"ee27d09d-a3cd-4792-9e2a-c3c517b2e0b2","_type":"reference"},"text":"JISA"}],"reference":{"_ref":"605cc8d4-a85e-4d6d-94d8-0c4cbebac403","_type":"reference"},"text":"Accounts"},{"_key":"0714d085963b","_type":"pageAnchorMenuTop","reference":{"_ref":"4e980c11-5605-4480-b5cf-9ef6d1970af0","_type":"reference"},"text":"Fees and charges"},{"_key":"1f4af0346b6c","_type":"pageAnchorMenuTop","reference":{"_ref":"9a9a5fd8-03e4-41c0-8bb9-96205fa99fa0","_type":"reference"},"text":"Customer reviews"},{"_key":"d67481701025","_type":"pageAnchorMenuTop","menuChildLinks":[{"_key":"96058d7aa1fa","_type":"pageAnchorMenuChild","reference":{"_ref":"d1046785-69e9-496b-ad81-606ac5827160","_type":"reference"},"text":"Is interactive investor safe?"},{"_key":"d0ce2c567cdf","_type":"pageAnchorMenuChild","reference":{"_ref":"565edaa6-ad24-4e23-9720-11938d4dd074","_type":"reference"},"text":"Who owns interactive investor?"},{"_key":"fabfa4c93bfc","_type":"pageAnchorMenuChild","reference":{"_ref":"2b0bc83e-f74d-4d79-bde5-897aba72c9ba","_type":"reference"},"text":"Does interactive investor have an app?"},{"_key":"78596e2d47a5","_type":"pageAnchorMenuChild","reference":{"_ref":"4299ca1c-cf4d-436f-8257-48c2221e7b4d","_type":"reference"},"text":"What is trading credit on interactive investor?"},{"_key":"810b5b3b8cfe","_type":"pageAnchorMenuChild","reference":{"_ref":"73420b87-6037-401a-8cc7-26b2c713e452","_type":"reference"},"text":"Does interactive investor pay interest on cash?"}],"reference":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"},"text":"Most asked questions"},{"_key":"7055c61643f7","_type":"pageAnchorMenuTop","reference":{"_ref":"08f91d37-f8e6-4d45-bf2f-c8d9fb950e62","_type":"reference"},"text":"Glossary"}],"menuTitle":"In this review","pageRef":"interactive investor review","id":"-82913656-3935-55dd-8ecc-d9f4e655448e","children":[],"parent":null}],"mainImage":{"_type":"mainImage","alt":"interactive investor ","asset":{"_id":"image-c988342e014f6e550cf4b17e6068ecc77f06d39e-1080x1080-png","_type":"sanity.imageAsset","_rev":"q751mjzXmd3Io5LU2Mm4Yc","_createdAt":"2025-11-12T10:23:22Z","_updatedAt":"2025-11-12T10:23:22Z","assetId":"c988342e014f6e550cf4b17e6068ecc77f06d39e","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"eSS6GMv~$is9ofxanijFjsaz?^T0NakWayo~S$X9W;j[sTjEs:aeae","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1,"height":1080,"width":1080},"hasAlpha":false,"isOpaque":true,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#3c3c3c","foreground":"#fff","population":0.25,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#b46431","foreground":"#fff","population":0,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#fa6406","foreground":"#fff","population":2.37,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#dec4ba","foreground":"#000","population":0.06,"title":"#000"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f5ca9f","foreground":"#000","population":0.13,"title":"#000"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#979797","foreground":"#000","population":1.17,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#fa6406","foreground":"#fff","population":2.37,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"ii logo 2025.png","path":"images/k8qzcdw3/prod1503/c988342e014f6e550cf4b17e6068ecc77f06d39e-1080x1080.png","sha1hash":"c988342e014f6e550cf4b17e6068ecc77f06d39e","size":82232,"uploadId":"bOddnxbbQb2Pml8GXbS8FnGJaSuiQpAF","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/c988342e014f6e550cf4b17e6068ecc77f06d39e-1080x1080.png","filename":"ii logo 2025.png","width":1080,"height":1080,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/c988342e014f6e550cf4b17e6068ecc77f06d39e-1080x1080.png?rect=180,0,720,1080&w=%width%&h=%height%&q=80","id":"image-c988342e014f6e550cf4b17e6068ecc77f06d39e-1080x1080-png","children":[],"parent":null}},"pageBreadcrumb":{"_id":"b20d760d-b89c-4cbd-bb8c-d94e4cbe133c","_type":"breadcrumbCategory","_rev":"XOsF7krdtE4Qnys87yiG2b","_createdAt":"2024-01-26T10:28:56Z","_updatedAt":"2025-02-12T10:32:47Z","breadcrumbList":[{"_key":"3d0c467817b4","_type":"breadcrumbReference","linkReference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"title":"Compare Providers"},{"_key":"4e75031e1614","_type":"breadcrumbReference","linkReference":{"_ref":"6e1f16ab-e016-4f0e-829b-f3a0cb03fe76","_type":"reference"},"title":"Independent Provider Reviews"},{"_key":"eac272efe670","_type":"breadcrumbReference","linkReference":{"_ref":"22d041fa-4595-43c0-9055-7853b8b849f0","_type":"reference"},"title":"interactive investor"}],"breadcrumbName":"Interactive Investor Provider Review","id":"-b4fadbee-2978-5bee-9e41-ecb4a1cb89fb","children":[],"parent":null},"publishedAt":"2025-01-01T10:31:00.000Z","slug":{"_type":"slug","current":"interactive-investor"},"subfolder":{"_id":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"folderCategory","_rev":"cQD0A3OGksV3pY6pYH47mV","_createdAt":"2021-06-14T19:24:49Z","_updatedAt":"2023-02-15T16:24:35Z","folder":"/isas-pensions/","id":"-f5695f01-adc9-59c8-91c1-c9304ad10ae9","children":[],"parent":null},"subtitle":"Independent review by Boring Money","template":"C-SB","textNextToKey":"Join thousands of informed investors who've already accessed our complete platform analysis. Subscribe now - it's completely free, and you can unsubscribe anytime.","title":"Is interactive investor good for investing?","widgets":[{"_id":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"widgetCategory","_rev":"6AfP3xqI2sTk1rcr1kqY3C","_createdAt":"2023-10-19T15:43:42Z","_updatedAt":"2024-07-03T09:31:20Z","body":[{"_key":"63e5f12073a5","_type":"block","children":[{"_key":"d5d397dd4cdf","_type":"span","marks":[],"text":"Join our Research Panel"}],"markDefs":[],"style":"h4"},{"_key":"9d6941374f0a","_type":"block","children":[{"_key":"1867bfe56a21","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19a818c5c3ad","_type":"block","children":[{"_key":"9a839e0551030","_type":"span","marks":[],"text":"Join thousands of people earning cash or rewards for giving their honest feedback. Click here to become a member of the Boring Money Research Panel today!"}],"markDefs":[],"style":"normal"},{"_key":"67e84088f0cd","_type":"block","children":[{"_key":"696b7993b062","_type":"span","marks":["strong"],"text":"Click here to get started!"}],"markDefs":[],"style":"normal"}],"linkReference":{"_id":"04249739-c1d1-4d9d-83eb-cd744f57ff49","_type":"landingPage","_rev":"6GQVMObKpWvjCX4LMv16E8","_createdAt":"2022-10-17T14:37:39Z","_updatedAt":"2025-05-13T16:31:52Z","content":[{"_key":"74e7fd3abf29","_type":"breadcrumb","breadcrumbs":[{"_key":"760b0d086b58","_type":"breadcrumbReference","linkReference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"title":"Home"},{"_key":"51053ad53a6c","_type":"breadcrumbReference","linkReference":{"_ref":"04249739-c1d1-4d9d-83eb-cd744f57ff49","_type":"reference"},"title":"Join our Research Panel"}]},{"_key":"a2a6be9a8635","_type":"heroSection","alignment":"Text Right","brazeCustomAttributes":[{"_key":"67f0ea99eda3","_type":"brazeCustomAttribute","customAttributeKey":"Army_Registered","customAttributeValue":"true"}],"introPara":[{"_key":"2c329b713300","_type":"block","children":[{"_key":"0c24a9062019","_type":"span","marks":[],"text":"Join our Research Panel"}],"markDefs":[],"style":"h1"},{"_key":"672b6cabc1a4","_type":"block","children":[{"_key":"0616bdbc497e0","_type":"span","marks":[],"text":"Our aim is to make the world of finance more transparent and clearer to understand. To do that, we need "},{"_key":"3302b649ba84","_type":"span","marks":["em"],"text":"you "},{"_key":"bc3dd484ce7f","_type":"span","marks":[],"text":"to try things out, share your opinions, and tell us what you like. Join now, share your views and earn money in the process!"}],"markDefs":[],"style":"normal"},{"_key":"ba6596789058","_type":"dataCaptureForm","brazeCustomAttributes":[{"_key":"107edd26f870","_type":"brazeCustomAttribute","customAttributeKey":"Army_Registered","customAttributeValue":"TRUE"}],"dataCaptureInputs":[{"_key":"b6963c60830a","_type":"dataCaptureInputItem","inputFieldLabel":"Join now","inputFieldPlaceholderText":"Enter your email","inputFieldType":"Email","requiredField":true}],"linkText":"START REGISTRATION","signupRedirectLink":"/boring-money-army-new-member-survey/"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-0257851b48d343eb46fdd3cf8352218cbf8351dc-3840x2160-png","_type":"reference"}},"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"showEmailCapture":false,"styles":"Half-Padding-White","thankYouText":[{"_key":"bf44527c5651","_type":"block","children":[{"_key":"aada7930f5a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h2"}],"title":"We're on a mission!"},{"_key":"ae17bd7c3627ee07d8e89dc0d604cb72","_type":"heroSection","alignment":"Text Left","introPara":[{"_key":"68e164de91c1","_type":"block","children":[{"_key":"8cdb10a201db","_type":"span","marks":[],"text":"Our financial investment projects are conducted periodically throughout the year. Panel members are selected based on project needs, and compensation is provided at market rates."}],"markDefs":[],"style":"normal"},{"_key":"59c83fb1810c","_type":"block","children":[{"_key":"5d5676314fe1","_type":"span","marks":[],"text":"Selection for surveys depends on the information provided in your onboarding survey, including details about your investment holdings, personal circumstances, and the specific research requirements.\n\nAdditionally, we periodically host competitions. Keep an eye out for updates, as we value community input during such events."}],"markDefs":[],"style":"normal"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-1c8144ee166236b51b9e465cfb7d7823600ffb7e-1920x1080-gif","_type":"reference"}},"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"showEmailCapture":false,"styles":"Half-Padding-White","thankYouText":[{"_key":"bf44527c5651","_type":"block","children":[{"_key":"aada7930f5a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h2"}],"title":"4 steps"},{"_key":"d4cb2e98d7e9","_type":"heroSection","alignment":"Text Left","introPara":[{"_key":"757beedbcf67","_type":"block","children":[{"_key":"0cb001c1c24f","_type":"span","marks":[],"text":"As a member of our Research Panel, you will:"}],"markDefs":[],"style":"h2"},{"_key":"a0f14a78f8ae","_type":"block","children":[{"_key":"0d7ac368fd9c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ea4be68eb6ff","_type":"block","children":[{"_key":"362c1304b243","_type":"span","marks":["strong"],"text":"- Participate in surveys and interviews of varying length and time commitments to suit you"}],"markDefs":[],"style":"normal"},{"_key":"8db92efdf5fc","_type":"block","children":[{"_key":"469a26997f0f","_type":"span","marks":["strong"],"text":"- Earn market research rates for your input"}],"markDefs":[],"style":"normal"},{"_key":"d9af5dab90aa","_type":"block","children":[{"_key":"f3988462b788","_type":"span","marks":["strong"],"text":"- Help us to help financial providers do better!"}],"markDefs":[],"style":"normal"},{"_key":"b01ee0ca0d5f","_type":"block","children":[{"_key":"19542cae94a5","_type":"span","marks":["em"],"text":"*We will not share your data with any third-party organisations. Boring Money research is all carried out in line with the Market Research Society’s Code of Conduct and the General Data Protection Regulation (GDPR)."}],"markDefs":[],"style":"small"}],"mainImage":{"_type":"mainImage","alt":"Join our research panel ","asset":{"_ref":"image-cb073362bd966c54fb865f9842900bdf044c16ff-997x574-png","_type":"reference"}},"reference":{"_ref":"04249739-c1d1-4d9d-83eb-cd744f57ff49","_type":"reference"},"styles":"Half-Padding-White","title":"Join our research panel"}],"publishedAt":"2022-10-17T14:22:47.096Z","slug":{"_type":"slug","current":"the-boring-money-army-wants-you"},"subfolder":{"_ref":"83495465-d1dd-4049-a955-b065009036e6","_type":"reference"},"subtitle":"Help our financially confused nation and make a few quid","theme":"Boring Money theme","title":"Join the Boring Money Research Panel","id":"-9872e0f5-bb4e-52ef-8be4-56cb16b4cdc5","children":[],"parent":null},"mainImage":{"_type":"mainImage","asset":{"_ref":"image-0257851b48d343eb46fdd3cf8352218cbf8351dc-3840x2160-png","_type":"reference"}},"title":"Join our research panel","widgetType":{"_id":"669510d5-9577-4ce3-b9f5-17a73b44c59d","_type":"widgetTypes","_rev":"DsHc46whJxIpNrcPyQeVGy","_createdAt":"2021-07-02T13:00:28Z","_updatedAt":"2021-07-02T13:00:28Z","title":"Image + text + link","id":"-cddbfca0-b9a5-5835-a5d3-c98208b12cdc","children":[],"parent":null},"id":"-f501c2f7-ff3e-5ac8-88b4-f5c5c30b9a2c","children":[],"parent":null},{"_id":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"widgetCategory","_rev":"5wclHNEBJHceCbZskLLIPm","_createdAt":"2021-08-12T07:26:18Z","_updatedAt":"2025-05-08T15:01:36Z","body":[{"_key":"12a52370b84b","_type":"block","children":[{"_key":"f4a96ffd5243","_type":"span","marks":[],"text":"Contact us"}],"markDefs":[],"style":"h4"},{"_key":"6d3da9cab9be","_type":"block","children":[{"_key":"9715d978a402","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"55646d37119f","_type":"block","children":[{"_key":"112420a491cc","_type":"span","marks":[],"text":"Have a question about money that we haven't answered? Need help making better money choices?"}],"markDefs":[],"style":"normal"},{"_key":"0695bd6571ef","_type":"block","children":[{"_key":"8289049851a9","_type":"span","marks":["strong"],"text":"Email our team today."}],"markDefs":[],"style":"normal"}],"linkReference":{"_id":"789ad7dd-f1a8-4606-9075-20ecba5e0f6b","_type":"linkCategory","_rev":"lplVYZfWM6SeENm14p7rgN","_createdAt":"2022-10-11T10:42:09Z","_updatedAt":"2024-02-22T11:34:37Z","url":"mailto:community@boringmoney.co.uk","id":"-4036ead5-27b9-53f8-b172-b2a01e27899a","children":[],"parent":null},"mainImage":{"_type":"mainImage","alt":"Contact us","asset":{"_ref":"image-ab59f7e46f31eaa0dab6342e71531f9dcb202b4d-1920x1080-png","_type":"reference"},"blankAltTag":true},"title":"Contact us","widgetType":{"_id":"669510d5-9577-4ce3-b9f5-17a73b44c59d","_type":"widgetTypes","_rev":"DsHc46whJxIpNrcPyQeVGy","_createdAt":"2021-07-02T13:00:28Z","_updatedAt":"2021-07-02T13:00:28Z","title":"Image + text + link","id":"-cddbfca0-b9a5-5835-a5d3-c98208b12cdc","children":[],"parent":null},"id":"-6d2f3ccb-d3dc-58f8-8964-9fce73ffd590","children":[],"parent":null}],"id":"-57c15d73-0d08-5983-bf8c-f0d9b2ef4431","children":[],"parent":null},"showBBTable":true,"wouldRecommendRating":81.04,"yourRating":"7","id":"-80fffe79-5c14-5c8e-8c67-b81f57eb3d94","children":[],"parent":null}]},{"_key":"2ae68da107a1","_type":"block","children":[{"_key":"368f7005940a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"38d18ff76895","_type":"blockQuote","adviserName":"Boring Money","jobTitle":"Tester and Analyst","quote":[{"_key":"30d5e7e95853","_type":"block","children":[{"_key":"32051c2ef80e","_type":"span","marks":[],"text":"Really good experience. Strong navigation and guidance, clear information. Portfolio could be better presented, but overall very solid."}],"markDefs":[],"style":"normal"}]},{"_key":"d508e9b32562","_type":"block","children":[{"_key":"ea9b34dcfd30","_type":"span","marks":[],"text":"FAQs on Investment Research "}],"markDefs":[],"style":"h2"},{"_key":"8e6a45c2ae03","_type":"block","children":[{"_key":"e92e475ce58e","_type":"span","marks":[],"text":"What investment research tools should platforms provide?"}],"markDefs":[],"style":"h3"},{"_key":"6c9d8dea4e86","_type":"block","children":[{"_key":"41b57faee9c6","_type":"span","marks":[],"text":"The best investment platforms provide stock screeners to filter investments by criteria, company fundamental analysis including financial statements and "},{"_key":"2395ae99a37d","_type":"span","marks":["86a59be41d1a"],"text":"ratios"},{"_key":"c8f2d585f74d","_type":"span","marks":[],"text":", technical analysis charts and indicators, market news and updates, "},{"_key":"f3450f0ccbfb","_type":"span","marks":["af6e4817ad3d"],"text":"fund"},{"_key":"3dd81e1af972","_type":"span","marks":[],"text":" and "},{"_key":"bc95b27c3f74","_type":"span","marks":["f3bed81c25e1"],"text":"ETF "},{"_key":"c6d2781240dd","_type":"span","marks":[],"text":"analysis tools, portfolio analysis capabilities, watchlist functionality, and analyst reports or ratings. Best Buy Award winners combine these tools with educational content to help investors interpret and act on research effectively."}],"markDefs":[{"_key":"86a59be41d1a","_type":"glossaryPick","reference":{"_id":"0989c7f0-b1fa-4f44-a717-06ac7dedb4e7","_type":"glossaryHover","_rev":"q1rFnNjwaSiijGj2hRwEqz","_createdAt":"2025-04-30T14:10:01Z","_updatedAt":"2025-06-23T11:31:11Z","_system":{"base":{"id":"0989c7f0-b1fa-4f44-a717-06ac7dedb4e7","rev":"kKnAee8SDxIeCH15D21hpD"}},"description":"A measurement of a company's share price relative to its earnings per share. \nIt is calculated by dividing the current market price of a share by the company’s earnings per share over a specific period, usually the past twelve months.\nIt's used to determine whether a share is overvalued - i.e. the share price is higher than the earnings per share - or undervalued - i.e. the share price is lower than the earnings per share.","title":"Price-earnings (P/E) ratio","id":"-f218fe7c-9023-575b-95fa-02f7381cedcc","children":[],"parent":null}},{"_key":"af6e4817ad3d","_type":"internalLinkPick","blank":true,"reference":{"_id":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"information","_rev":"vIm9lhvf1eHBOprgleGFQF","_createdAt":"2021-06-22T10:49:30Z","_updatedAt":"2025-09-01T10:07:48Z","_system":{"base":{"id":"0bc8b13d-830e-4469-8ffe-6af27456b538","rev":"0iD6p61whJS2ZGE5T7VEFt"}},"authors":[{"_key":"9b488bad30a4","_type":"personReference","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"people","_rev":"n54XUON695cO06xFcT7KHi","_createdAt":"2021-07-16T15:41:47Z","_updatedAt":"2026-04-16T00:00:29Z","_system":{"base":{"id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","rev":"1XrksDlMkoAPinyrcm2t9G"}},"answeredQuestionsRank":252,"averageRating":0,"bio":[{"_key":"bf1f1c58fef9","_type":"block","children":[{"_key":"97ba1f193b22","_type":"span","marks":[],"text":"Boring Money is an independent company founded in 2015 to make investing, saving and financial planning accessible for everyday people without a PhD in finance. "}],"markDefs":[],"style":"normal"},{"_key":"529bed96fa8e","_type":"block","children":[{"_key":"46347ea68efb","_type":"span","marks":[],"text":"Led by industry veteran "},{"_key":"d6819d3bfe17","_type":"span","marks":["12ac5536ccfd"],"text":"Holly Mackay"},{"_key":"00f260fdccf0","_type":"span","marks":[],"text":" with over 24 years' experience, Boring Money's mission is to demystify savings, investments, and pensions. We help consumers with educational content, research, and user-friendly tips - all without the confusing technical jargon!"}],"markDefs":[{"_key":"12ac5536ccfd","_type":"link","href":"https://www.boringmoney.co.uk/advisers/holly-mackay/"}],"style":"normal"},{"_key":"dbb1c5ff82a3","_type":"block","children":[{"_key":"a9b296baf5d3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8a06e569aa6a","_type":"prosConsWidget","cons":["Confusing industry jargon!"],"consTitle":"Dislikes:","pros":["Making money make sense"],"prosTitle":"Likes:"},{"_key":"04271e0685d4","_type":"block","children":[{"_key":"a68362f24eb7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3e82861a3b80","_type":"block","children":[{"_key":"0f6b76e2f7e6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7f1e7a776f24","_type":"block","children":[{"_key":"44781b4aa451","_type":"span","marks":["em"],"text":"Boring Money is not a regulated financial advice firm. We provide generic information to help you understand your options. We make money from sponsorship, advertising, and referral fees - all transparently disclosed "},{"_key":"8f2d6d572758","_type":"span","marks":["em","a3db01606b86"],"text":"here"},{"_key":"07c6279db2e5","_type":"span","marks":["em"],"text":"."}],"markDefs":[{"_key":"a3db01606b86","_type":"link","href":"https://www.boringmoney.co.uk/how-we-make-money/"}],"style":"normal"}],"categories":[{"_key":"5577aff62e48","_ref":"976f2dc9-ded3-47fc-bc52-bd928767a578","_type":"reference"}],"dashboardId":"b3cf6703-691d-4826-9ddc-762eeb58c289","dateAnsweredRank":88,"email":"community@boringmoney.co.uk","excerpt":[{"_key":"e8edde7ba304","_type":"block","children":[{"_key":"ffba4fdcab87","_type":"span","marks":[],"text":"This is a Boring Money Advice admin page. This adviser directory allows you to browse trusted, vetted financial advisers. Enter your location or use the advanced filters to find the perfect match."}],"markDefs":[],"style":"normal"}],"hideFeeStructure":true,"image":{"_type":"mainImage","alt":"Boring Money","asset":{"_ref":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg","_type":"reference"},"blankAltTag":true,"caption":"Boring Money","crop":{"_type":"sanity.imageCrop","bottom":0,"left":0.10897435897435898,"right":0.1217948717948718,"top":0},"hotspot":{"_type":"sanity.imageHotspot","height":1,"width":0.7628205128205129,"x":0.49679487179487175,"y":0.5}},"location":{"_id":"6647e624-276a-461e-84a8-f8e62eb9143e","_type":"locationCategory","_rev":"ofM7EIDfnwHVEh3rYtk8Tb","_createdAt":"2021-06-23T13:26:06Z","_updatedAt":"2021-10-26T15:29:07Z","location":"London","id":"-20d27915-ace6-58b4-93a8-0c478bc2150e","children":[],"parent":null},"name":"Boring Money","numberOfLikes":1828,"numberOfRatings":0,"publishedAt":"2026-01-20T13:29:05.059Z","showAdviser":false,"slug":{"_type":"slug","current":"boring-money"},"specialisations":[{"_key":"d3e41a6fbb34","_ref":"4807983c-8f5a-49f7-83bd-fcc53e0f81e8","_type":"reference"}],"summary":[{"_key":"8ab6b22d9f47","_type":"block","children":[{"_key":"aa17690f4230","_type":"span","marks":[],"text":"Here to help you understand your options and make smart money choices."}],"markDefs":[],"style":"normal"}],"id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","children":[],"parent":null}}],"authorsText":[{"_key":"728ad57473cb","_type":"block","children":[{"_key":"150f7b31de0a","_type":"span","marks":[],"text":"By "},{"_key":"e55603603258","_type":"span","marks":["strong"],"text":"Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"e8df298b8c6b","_type":"anchorMenuMobile","title":"menu"},{"_key":"9473358fe106","_type":"block","children":[{"_key":"17cf1610cca6","_type":"span","marks":[],"text":""},{"_key":"91398572c6f0","_type":"mainAnchor","pageAnchor":{"_id":"c092d7ca-1d59-4a6f-ae22-c1659dda889d","_type":"anchorCategory","_rev":"DmK61VtPyEhMsfOjcsZCmQ","_createdAt":"2022-02-14T09:08:25Z","_updatedAt":"2022-02-14T09:08:25Z","AnchorName":"funds/thebasicsoffunds","id":"-3cc5008b-e4da-5335-b1de-f24067a21da5","children":[],"parent":null}},{"_key":"6f92bc92429a","_type":"span","marks":[],"text":"What is a fund?"}],"markDefs":[],"style":"h2"},{"_key":"4f9ee0028862","_type":"block","children":[{"_key":"f102b7d00c72","_type":"span","marks":[],"text":"In a nutshell"}],"markDefs":[],"style":"h3"},{"_key":"e79c63c327eb","_type":"textboxWidget","text":[{"_key":"2121178f0ee6","_type":"block","children":[{"_key":"7d6a9f190010","_type":"span","marks":[],"text":"There are typically about 30-60 \"underlying investments\" in one fund"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d2a481641270","_type":"block","children":[{"_key":"22684174f3fa","_type":"span","marks":[],"text":"On average a single fund will cost about 0.75% in fees a year"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f3e088b52195","_type":"block","children":[{"_key":"d6ad20196bad","_type":"span","marks":[],"text":"Often a safer bet to invest than simply buying a few shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"216dcb5302ec","_type":"block","children":[{"_key":"9dd73649798a","_type":"span","marks":[],"text":"You can buy funds and put them in an ISA to keep your profits tax-free"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"97a80376b0f3","_type":"anchorMenuMobile","title":"s"},{"_key":"1653fdfc2af4","_type":"block","children":[{"_key":"2e2b2ab98724","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1b8d971c911d","_type":"block","children":[{"_key":"4507568d3a70","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. In other words, they're a great way to avoid making a clanger by choosing one duff share! Great for diversifying, investing overseas and for outsourcing the decision-making to a professional. "}],"markDefs":[],"style":"normal"},{"_key":"046672293a3e","_type":"block","children":[{"_key":"e15da747ad50","_type":"span","marks":[],"text":"Listen to our Founder & CEO Holly Mackay explain more about why funds are awesome in the helpful clip below."}],"markDefs":[],"style":"normal"},{"_key":"41b247f7f7f1","_type":"block","children":[{"_key":"1425f286ae8d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ee4659f373e2","_type":"mainVideo","url":"https://vimeo.com/829075140"},{"_key":"612f1e2f4f5c","_type":"block","children":[{"_key":"8b8077238e30","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8fde23f3fe04","_type":"block","children":[{"_key":"509c2688d6bd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3d8fbfc7b050","_type":"block","children":[{"_key":"32a1c0b03ecc","_type":"span","marks":[],"text":"A single fund will typically have about 30-60 different \"underlying investments\" in it. This spreads the risk around and hedges your bets, so rather than having to go and buy 30-60 individual shares all by yourself, you can just buy one fund and be done with it!"}],"markDefs":[],"style":"normal"},{"_key":"e8ce2e0fe91f","_type":"block","children":[{"_key":"942f0caaddf8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f9d2b7cefb40","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Most investors have between about 8 and 16 different Funds to get a good mix and spread their bets around!"},"text":[{"_key":"4e12795ee2ca","_type":"block","children":[{"_key":"40e2815c5d05","_type":"span","marks":["strong"],"text":"Top tip: Most investors have between about 8 and 16 different funds to get a good mix and spread their bets around!"}],"markDefs":[],"style":"normal"}]},{"_key":"faec06074b53","_type":"block","children":[{"_key":"3f1ea2ce7311","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"29e8456aa90b","_type":"block","children":[{"_key":"12710694212a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"16c468186b94","_type":"block","children":[{"_key":"8aa0e26dff77","_type":"span","marks":[],"text":"You can think of investing in funds like buying a mixed case of wine - you don't have to be a connoisseur and someone else picks the contents they think are good. Funds come in lots of different flavours - such as multi-asset funds or exchange-traded funds. More on these later."}],"markDefs":[],"style":"normal"},{"_key":"90feae1f7eb6","_type":"block","children":[{"_key":"1915aec3fabb","_type":"span","marks":[],"text":""},{"__inline":true,"_key":"5ccd7b870fec","_type":"mainAnchor","children":[{"_key":"ut1xgBnP3A4eT38f4GGbAL","text":""}],"pageAnchor":{"_id":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"anchorCategory","_rev":"DmK61VtPyEhMsfOjcsZCmQ","_createdAt":"2022-02-14T09:08:36Z","_updatedAt":"2022-02-14T09:08:36Z","AnchorName":"funds/arefundsrightforme?","id":"-ef3fd67b-da5f-547e-b5cb-829992bc160c","children":[],"parent":null},"value":{"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"}}},{"_key":"3fc8bd064d62","_type":"span","marks":[],"text":"Are funds right for me?"}],"markDefs":[],"style":"h2"},{"_key":"f4e25a5df60e","_type":"block","children":[{"_key":"fa0bcaef29cd","_type":"span","marks":[],"text":"On average, investors hold 49% of their investments in funds, making them one of the most popular investment vehicles out there. But are funds really the right option for you? "}],"markDefs":[],"style":"normal"},{"_key":"fed979756bbe","_type":"block","children":[{"_key":"64b6ad599651","_type":"span","marks":[],"text":"If you prefer the freedom and flexibility of choosing which companies to invest in, shares may be a better choice. However, funds can also be highly diversified, which means your investments might be spread across different regions, sectors and assets. This reduces the risk of any one event, such as a political crisis in a single region, having a significant impact on your investments."}],"markDefs":[],"style":"normal"},{"_key":"e1ad6cc3a02a","_type":"block","children":[{"_key":"a8b55972e4dd","_type":"span","marks":[],"text":"So really it comes down to your personal preference. Here's a round-up of some of the main pros and cons to help you decide if investing in funds is the right choice for you."}],"markDefs":[],"style":"normal"},{"_key":"434d193075a7","_type":"block","children":[{"_key":"0e7fe5da01de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4bc700b962a5","_type":"prosConsWidget","cons":["Don't want to pay a fee","Want to pick your own shares","Want to trade regularly"],"consTitle":"Bad if you ","pros":["Want a broad mix of different shares","Want to invest abroad too","Aren't a whizz trader "],"prosTitle":"Good if you"},{"_key":"48067afe70fe","_type":"block","children":[{"_key":"0361b14633a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cec017f1a38c","_type":"block","children":[{"_key":"172137ada71e","_type":"span","marks":[],"text":""},{"_key":"de53e982c4a9","_type":"mainAnchor","pageAnchor":{"_id":"60941be5-1a4f-426e-b588-7699bee46271","_type":"anchorCategory","_rev":"3Wq67lOYe6sY0zlf1Hr5f2","_createdAt":"2023-05-22T15:36:21Z","_updatedAt":"2023-05-22T15:36:21Z","AnchorName":"whyinvestinafund","id":"-e9a67a08-aa87-5f0a-836d-61514c0ffaa1","children":[],"parent":null}},{"_key":"87cf346319c6","_type":"span","marks":[],"text":"Why invest in a fund?"}],"markDefs":[],"style":"h2"},{"_key":"93dc72ad81a4","_type":"block","children":[{"_key":"3338ff4b26c50","_type":"span","marks":[],"text":"A fund is simply the compilation album of the investing world! It’s a nice way to get someone at the sharp end of finance to pick and manage your investments from the bewildering array of bonds and shares on the market. Let’s give a really simple example. "}],"markDefs":[],"style":"normal"},{"_key":"a9403754dc28","_type":"block","children":[{"_key":"01c95b2b86ac","_type":"span","marks":[],"text":"If we ran the Boring Money UK Shares Fund (which we don’t), we might look at all the UK shares out there and say that HSBC, Shell, ITV and GlaxoSmithKline make the grade. And add them to our investment mix. But chuck out Barclays and Burberry and Sainsburys (all random examples by the way, not tips!). "}],"markDefs":[],"style":"normal"},{"_key":"7669a7ac791c","_type":"block","children":[{"_key":"d7e81010a760","_type":"span","marks":[],"text":"We’d end up with, say, 50 shares in our compilation album, which we bought for £1 each in our pretend world. So our fund would be worth £50. And we might sell 50 units to people for £1 each. "}],"markDefs":[],"style":"normal"},{"_key":"786bce77dbb8","_type":"block","children":[{"_key":"da65bc2f373e","_type":"span","marks":[],"text":"The benefit is that for a small investment of just £1, our investors would have a teeny fraction of an investment in 50 different British companies. And we would run and manage this pool of investments for you - so no need to get the calculator out and crunch any numbers!"}],"markDefs":[],"style":"normal"},{"_key":"985ff58d82e6","_type":"block","children":[{"_key":"2ad32b5454aa","_type":"span","marks":[],"text":"There are thousands of funds out there, all with different flavours, and they're among the best ways to get expert help on picking the right investments."}],"markDefs":[],"style":"normal"},{"_key":"362c2e7dfc09","_type":"block","children":[{"_key":"d766349dbf40","_type":"span","marks":[],"text":""},{"_key":"364cd3c1e445","_type":"mainAnchor","pageAnchor":{"_id":"a5632083-6993-47e2-9bc1-07d0a86ad84c","_type":"anchorCategory","_rev":"P1sInOyh7GOacwqEjXkr9I","_createdAt":"2024-11-12T14:54:29Z","_updatedAt":"2024-11-12T14:54:35Z","AnchorName":"fundstructures","id":"-4ae691ba-01ea-587c-aef0-52c62924204c","children":[],"parent":null}},{"_key":"0a68034d99f40","_type":"span","marks":[],"text":"The three main fund structures "}],"markDefs":[],"style":"h2"},{"_key":"4b7b2b21499a","_type":"block","children":[{"_key":"5d8b72478bbb","_type":"span","marks":[],"text":""},{"_key":"e02338579d1e","_type":"mainAnchor","pageAnchor":{"_id":"bcd041ed-8ed5-4fc7-8abd-21ee28def30c","_type":"anchorCategory","_rev":"P1sInOyh7GOacwqEjXc1ob","_createdAt":"2024-11-12T14:48:42Z","_updatedAt":"2024-11-12T14:48:44Z","AnchorName":"mutualfund","id":"-1e1c5e33-c27e-5fae-b6f2-969478ed60ec","children":[],"parent":null}},{"_key":"6c2a9ecc53f30","_type":"span","marks":[],"text":"1. Mutual fund – also known as an open-ended fund, OEIC or UCITS fund"}],"markDefs":[],"style":"h3"},{"_key":"3460d916f7b2","_type":"block","children":[{"_key":"0325a805ebd40","_type":"span","marks":[],"text":"A mutual fund combines money from multiple investors, which a professional manager invests according to the fund’s goals, such as growth or income, often focusing on specific sectors like European stocks or technology. Being “open-ended,” the fund can adjust its shares based on investor activity, with its value matching the combined value of its holdings. Investors can monitor performance daily through services like Morningstar, comparing it to similar funds or benchmarks like the FTSE All Share for UK funds."}],"markDefs":[],"style":"normal"},{"_key":"9f8832eee9c7","_type":"block","children":[{"_key":"b0249a4aa624","_type":"span","marks":[],"text":""},{"_key":"777c7f3bd35c","_type":"mainAnchor","pageAnchor":{"_id":"b8467767-7e11-4c31-bea1-aa9f5262781c","_type":"anchorCategory","_rev":"3Wq67lOYe6sY0zlf1HqnIX","_createdAt":"2023-05-22T15:34:27Z","_updatedAt":"2023-05-22T15:34:37Z","AnchorName":"whatisanexchangetradedfund","id":"-9a9c7762-3928-516e-adb1-7eee6a758cff","children":[],"parent":null}},{"_key":"6722e89ace4a","_type":"span","marks":[],"text":"2. ETF – or exchange-traded fund"}],"markDefs":[],"style":"h3"},{"_key":"ac1f21c74e0a","_type":"block","children":[{"_key":"189a0849a0f50","_type":"span","marks":[],"text":"ETFs, or Exchange-Traded Funds, are investment funds that provide low-cost, diversified access to various markets, similar to mutual funds. Unlike mutual funds, ETFs trade on stock exchanges, with their prices fluctuating throughout the day based on supply and demand. ETFs often aim to track specific assets, like major stock indices (e.g., S&P 500), commodities, or even currencies. They can be structured using \"physical\" methods (owning a bit of each asset in the index) or \"synthetic\" methods (using derivatives to mimic asset performance). ETFs can also offer leveraged or inverse options to enhance potential gains or bet against an asset's price. They are generally affordable, easy to trade, and flexible for various investment strategies."}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"6add2d498f76","_type":"block","children":[{"_key":"14d23d4bf09a","_type":"span","marks":["strong"],"text":"Discover more about ETFs and how they work"}],"markDefs":[],"style":"normal"}],"_key":"090c0fe4bbd4","_type":"ctaWidget","reference":{"_id":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"landingPage","_rev":"82W3GKXTFwGqAwh8HDXiku","_createdAt":"2022-09-20T14:56:29Z","_updatedAt":"2026-01-14T14:28:04Z","MainImage":{"_type":"mainImage","asset":{"_ref":"image-c04e3eaafabb28f6a290281767cc19e2f3be11eb-1920x1080-png","_type":"reference"},"blankAltTag":true},"_system":{"base":{"id":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","rev":"NmPmcYSZQiZRdb1cEHFzxY"}},"content":[{"_key":"1a3aa98f3b80","_type":"breadcrumb","breadcrumbs":[{"_key":"b368dd1da769","_type":"breadcrumbReference","linkReference":{"_ref":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"reference"},"title":"ETF Hub"}]},{"_key":"71847ef1e9933010054d57a8692c75a7","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"65bea9aea932","_type":"block","children":[{"_key":"ec29feffb739","_type":"span","marks":[],"text":"Everything you need to know about ETFs"}],"markDefs":[],"style":"h2"},{"_key":"f573a51dc29e","_type":"block","children":[{"_key":"08142ed153dc0","_type":"span","marks":[],"text":"ETFs (Exchange-Traded Funds) have become one of the most popular ways to invest – and it’s easy to see why. Whether you’re a beginner or looking to refine your portfolio, our Hub will help you invest in ETFs with confidence."}],"markDefs":[],"style":"normal"}],"reference":{"_ref":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"reference"},"styles":"Grey-Transparent","title":"Everything you need to know about ETFs"},{"_key":"5246838a2dfe","_type":"bigBlockGroup","arrows":false,"autoscroll":false,"bigBlockItems":[{"_key":"3d065c84e619","_type":"bigBlockItem","linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-979cc1afa991bee5b93b91bc9c388b228531c623-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"},"title":"ETFs Explained: A Comprehensive Guide for New Investors"},{"_key":"3b418d15dcb2","_type":"bigBlockItem","linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-ce01feb45cec63e96a705898fb196c4852999247-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"d6b7598d-4bda-4c99-b8a0-cd9e46269fd7","_type":"reference"},"title":"Pros and Cons of ETFs"},{"_key":"3b61d3be475d","_type":"bigBlockItem","linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-e5fdaa398e2e359eda09ee3e98816609a49591e7-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"bd9ef80e-5e7b-4a27-b087-017fc6fa9725","_type":"reference"},"title":"ETF Glossary"}],"equaliseHeight":true,"layout":"3x3","styles":"Grey-Transparent"},{"_key":"5b9aaa547d3e","_type":"calcReference","href":"https://infogram.com/etf-hub-logos-1h7v4pd0yojr84k"},{"_key":"ca3f20037f3e7346285ceceba9d49a1d","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"fc4670f5cdba0cd8573bf598f25cffee","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"65bea9aea932","_type":"block","children":[{"_key":"ec29feffb739","_type":"span","marks":[],"text":"‏‏‎ ‎"}],"markDefs":[],"style":"normal"},{"_key":"2bed558a4fc6","_type":"block","children":[{"_key":"34835215f9b20","_type":"span","marks":[],"text":"ETF facts"}],"markDefs":[],"style":"h2"},{"_key":"752d647994bb","_type":"block","children":[{"_key":"c5307616b09f","_type":"span","marks":[],"text":"Want to know the best performing ETF of 2024? Wondering why they're so good for diversification? Check out these bite-sized facts about ETFs!"}],"markDefs":[],"style":"normal"}],"reference":{"_ref":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"reference"},"styles":"Blue","title":"ETF facts"},{"_key":"18174684b8ba","_type":"tabsTextboxBlock","equaliseTabHeights":true,"styles":"Blue","tabs":[{"_key":"4085c818293d","_type":"tabsTextboxItem","fullSizeImage":{"_type":"mainImage","blankAltTag":true},"image":{"_type":"mainImage","alt":"What are the top-performing ETFs so far this year?","asset":{"_ref":"image-f44e3ff785965e0852d45d82d401b3f289c0f20f-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"The top performing ETFs so far this year were dominated by funds with exposure to gold mining and precious metals.","textParagraph":[{"_key":"f2fe098cf895","_type":"block","children":[{"_key":"1bac8b363cff","_type":"span","marks":[],"text":"What are the top-performing ETFs so far this year?"}],"markDefs":[],"style":"h3"},{"_key":"9f6011b2b2a9","_type":"block","children":[{"_key":"74ad251d683f","_type":"span","marks":[],"text":"Off the back of a record rally in the gold price earlier this year, ETFs with exposure to gold mining firms soared to the top of the leagues. Legal & General Gold Mining UCITS ETF (AUCP) came out on top, followed by HAN AuAg ESG Gold Mining UCITS ETF (ESGP) and VanEck Junior Gold Miners UCITS ETF A (GJGB) ."}],"markDefs":[],"style":"normal"},{"_key":"f89a3c3cdec9","_type":"block","children":[{"_key":"e005fb719dd0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"89856e904c5a","_type":"block","children":[{"_key":"1f31aea077f6","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"1410b2d652e0","_type":"block","children":[{"_key":"1c3a2a81a06c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6dccf9395bea","_type":"block","children":[{"_key":"54aa556b7107","_type":"span","marks":[],"text":"[1] FE Fund Analytics, data correct as at 1 October 2025."}],"markDefs":[],"style":"normal"}],"title":"What are the top-performing ETFs so far this year?"},{"_key":"9f637707d055","_type":"tabsTextboxItem","fullSizeImage":{"_type":"mainImage","blankAltTag":false},"image":{"_type":"mainImage","alt":"Why ETFs are great for diversifying your portfolio","asset":{"_ref":"image-4ca19a8bf8b422866c99a90ae5b5cc2ca52a1b50-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"ETFs are great for diversifying your investment portfolio because they can give you access to a wide range of investments all in one wrapper.","textParagraph":[{"_key":"2f7675e847bf","_type":"block","children":[{"_key":"540f34f8002a","_type":"span","marks":[],"text":"Why are ETFs great for diversifying your portfolio?"}],"markDefs":[],"style":"h3"},{"_key":"96c42ad287f0","_type":"block","children":[{"_key":"e5de1d31fe91","_type":"span","marks":[],"text":"You can think of an ETF like a shopping basket. Rather than running around a supermarket holding all the individual things you want to buy in your arms, an ETF is like a basket already filled with a bunch of groceries, all in one easy-to-carry box. A single ETF can invest in a range of assets, from shares to bonds and even property, allowing you to get exposure to an array of different investments in just one product!"}],"markDefs":[],"style":"normal"}],"title":"Why are ETFs great for diversifying your portfolio?"},{"_key":"f0a40928724a","_type":"tabsTextboxItem","image":{"_type":"mainImage","alt":"Do ETFs pay dividends?","asset":{"_ref":"image-606e402dba256c06fb35c8778052e9eaf4c7f647-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"ETFs which invest in shares receive dividends when those shares pay out, but this is not always passed onto the investor.","textParagraph":[{"_key":"f0ce99e88bff","_type":"block","children":[{"_key":"86f3b642e7cb","_type":"span","marks":[],"text":"Do ETFs pay dividends?"}],"markDefs":[],"style":"h3"},{"_key":"6df472772608","_type":"block","children":[{"_key":"9cab9cde834e","_type":"span","marks":[],"text":"Generally speaking, there are two ways that ETFs utilise dividends: reinvestment and payment. Some ETFs reinvest the income they receive from dividend payments by using it to purchase new assets, often the same share that paid out the dividend in the first place, in a process known as \"dividend growth investing\". The value of the ETF grows as the number of shares it owns increases, and this in turn increases the value of the shares of the ETF itself. Alternatively, an ETF can collate the dividends paid out by its underlying shares and distribute them directly back to the investors.\n"}],"markDefs":[],"style":"normal"}],"title":"Do ETFs pay dividends?"},{"_key":"80217e01ec32","_type":"tabsTextboxItem","image":{"_type":"mainImage","alt":"How many ETFs should you invest in?","asset":{"_ref":"image-a8461b923e5871fb7e40f368500e9321ec5e4b59-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"There is no limit to the number of ETFs you can have in your portfolio, but working out the right amount for you really depends on your investment strategy.","textParagraph":[{"_key":"cbbbf3987249","_type":"block","children":[{"_key":"8daabbae17cf","_type":"span","marks":[],"text":"How many ETFs should you invest in?"}],"markDefs":[],"style":"h3"},{"_key":"08041120dfe2","_type":"block","children":[{"_key":"9e4030387cf6","_type":"span","marks":[],"text":"First of all, remember that each ETF you own will likely invest in at least 20-30 stocks, and sometimes more. So if you hold 10 or more ETFs, you could have hundreds - or even thousands - of underlying shares in your portfolio. While it's important to invest in a range of products to diversify, you don't need to own dozens of ETFs to do this. In fact, a healthy 5-6 ETFs is plenty for the average investor, and will help you to keep a closer eye on the performance of each one if you're not losing track of how many you have!"}],"markDefs":[],"style":"normal"},{"_key":"fec75fd6a838","_type":"block","children":[{"_key":"7983888b2b6f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"How many ETFs should you invest in?"},{"_key":"87b8ccc91629","_type":"tabsTextboxItem","image":{"_type":"mainImage","alt":"What's the difference between an ETF and a mutual fund?","asset":{"_ref":"image-4c4a3a4f1be9a557c00db542cefdc353f1233139-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"ETFs and mutual funds are often talked about in the same circles, but the difference between them isn't always spelled out for you, and this can get very confusing very quickly.","textParagraph":[{"_key":"bbaf4cd79776","_type":"block","children":[{"_key":"b8500cbca76e","_type":"span","marks":[],"text":"What's the difference between an ETF and a mutual fund?"}],"markDefs":[],"style":"h3"},{"_key":"461855a0fe79","_type":"block","children":[{"_key":"0bd81d1d01cc","_type":"span","marks":[],"text":"ETFs and mutual funds are similar investment vehicles. but the key difference boils down to how they're traded: ETFs trade on the stock market throughout the day, like traditional shares, whereas mutual funds are only traded once at the end of each day. In addition, the majority of ETFs are passive, whereas most mutual funds are actively-managed and therefore charge slightly higher fees."}],"markDefs":[],"style":"normal"}],"title":"What's the difference between an ETF and a mutual fund?"}]},{"_key":"b4b5464dd4d6","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"d9404f36ac4c","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"420fc5c541ef","_type":"block","children":[{"_key":"4cb319c7c9eb0","_type":"span","marks":[],"text":"‏‏‎ETF related articles"}],"markDefs":[],"style":"h2"},{"_key":"345b66d43fcb","_type":"block","children":[{"_key":"3d924c463a8e0","_type":"span","marks":[],"text":"Dive deeper into our handy articles - on everything from the best-selling ETFs of the month to the latest themes trending in the ETF sector!"}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent","title":"‏‏‎ETF related articles"},{"CategoryMultiSelect":[{"_key":"975cd9737787","_ref":"a9695476-b643-4a18-be2a-e8dbf3420afd","_type":"reference"}],"_key":"04711d8f6150","_type":"latestArticlesBlock","articleCount":"9","contentType":"articles+info","styles":"Grey-Transparent"},{"_key":"b0d60aea40207127bc6f9208209a79d2","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"625b46bcd55f","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"b97cfd651a35","_type":"block","children":[{"_key":"6109e8631393","_type":"span","marks":[],"text":"Your investing questions answered"}],"markDefs":[],"style":"h3"},{"_key":"07b484da9e11","_type":"block","children":[{"_key":"2ff5262ec663","_type":"span","marks":["strong"],"text":"You've been writing in to ask us how you can make your money work harder. So we're making it our mission to help"},{"_key":"e5604b13e17c","_type":"span","marks":[],"text":" "},{"_key":"1c868084f5e6","_type":"span","marks":["strong","em"],"text":"real"},{"_key":"32b75848fa79","_type":"span","marks":[],"text":" "},{"_key":"a014aab964fb","_type":"span","marks":["strong"],"text":"readers with"},{"_key":"14682265a74e","_type":"span","marks":[],"text":" "},{"_key":"f6112e212ff7","_type":"span","marks":["strong","em"],"text":"real"},{"_key":"2cd3ff1ec361","_type":"span","marks":[],"text":" "},{"_key":"8dd062f522b1","_type":"span","marks":["strong"],"text":"money problems."}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent"},{"_key":"c194a35aef23","_type":"filteredQuestionsBlock","questionFilterCategory":{"_ref":"0e8bd9b2-5882-419e-a26e-d52952df76d8","_type":"reference"}}],"excerpt":[{"_key":"c647200052d1","_type":"block","children":[{"_key":"15be4e763cea","_type":"span","marks":[],"text":"ETFs made simple. Our hub explains how exchange-traded funds work, the pros and cons, and how to invest. Explore guides on diversification, costs and performance to help you choose the right ETFs for your portfolio."}],"markDefs":[],"style":"normal"}],"isPrivatePage":false,"publishedAt":"2025-09-29T15:27:50.234Z","slug":{"_type":"slug","current":"homepage"},"subfolder":{"_id":"782aef2f-b517-41b0-8f8b-171340f5fd63","_type":"folderCategory","_rev":"BWFeS1m08o3AJmkY3qvD54","_createdAt":"2022-11-22T13:32:44Z","_updatedAt":"2022-11-23T15:54:20Z","folder":"/hub/etfs/","id":"-0d1d77ce-637f-545c-b8b9-cc12812a6657","children":[],"parent":null},"theme":"Boring Money theme","title":"ETF Investing for Beginners | Guides, Top Performers & Expert Tips","id":"-9e95adf1-4b22-50ad-8585-7436cc211130","children":[],"parent":null},"text":"ETF HUB"},{"_key":"3734671b2a32","_type":"block","children":[{"_key":"ebc0f19e9b3d0","_type":"span","marks":[],"text":"3. Investment Trusts"}],"markDefs":[],"style":"h3"},{"_key":"47687a68ef20","_type":"block","children":[{"_key":"22745b29c849","_type":"span","marks":[],"text":"Investment trusts are publicly listed companies that pool investors' money to buy shares, bonds, or other assets like property. Managed by a board that oversees the fund manager, they operate as \"closed-ended\" funds, meaning they don’t need to buy or sell assets as investors come and go. This structure suits less liquid investments, and they can also save income from strong years to pay out in weaker ones, offering a steadier return. Investors can buy shares at market prices, sometimes below the actual asset value, and have many options for building a diverse portfolio. Read more on how mutual funds compare to ETFs and Investment Trusts "},{"_key":"3ac6a8b34f46","_type":"span","marks":["bd12d349ce04"],"text":"here"},{"_key":"f569af0635c5","_type":"span","marks":[],"text":". \n"}],"markDefs":[{"_key":"bd12d349ce04","_type":"internalLinkPick","reference":{"_id":"508b9184-a3ee-4f2c-b9cd-5c61ac88dfaa","_type":"information","_rev":"y33kVVAtJ6FPvtjrhhjXTU","_createdAt":"2024-11-12T14:16:00Z","_updatedAt":"2025-09-29T13:41:20Z","_system":{"base":{"id":"508b9184-a3ee-4f2c-b9cd-5c61ac88dfaa","rev":"e7S5nnkPXYi4lb6u9TZxdo"}},"authors":[{"_key":"f8bb67e0541d","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"body":[{"_key":"57bf60566e40","_type":"block","children":[{"_key":"2f629102d7210","_type":"span","marks":["strong"],"text":"Investment funds are all run on the same principles. They pool investments from a range of different investors, providing access to a diversified portfolio that would be difficult for an individual investor to achieve by themselves. However, there are a range of different structures investors can use. Here’s the main three:"}],"markDefs":[],"style":"normal"},{"_key":"443b121af399","_type":"block","children":[{"_key":"7df10a023c2c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"334b30f8218b","_type":"mainImage","asset":{"_ref":"image-5da0437c842a15e209c7bf006308fa75f5cedcdf-1920x1080-png","_type":"reference"}},{"_key":"842e59c386d0","_type":"anchorMenuMobile","title":"menu"},{"_key":"d7a3be039491","_type":"block","children":[{"_key":"d9383de2be66","_type":"span","marks":[],"text":""},{"_key":"68dfec5d7ad5","_type":"mainAnchor","pageAnchor":{"_ref":"bcd041ed-8ed5-4fc7-8abd-21ee28def30c","_type":"reference"}},{"_key":"41fb40545fa4","_type":"span","marks":[],"text":"1. "},{"_key":"802577e8872a","_type":"span","marks":["b462fe1f06d8"],"text":"Mutual fund"},{"_key":"b8fca2a27486","_type":"span","marks":[],"text":" – also known as an open-ended fund, OEIC or UCITS fund"}],"markDefs":[{"_key":"b462fe1f06d8","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"h3"},{"_key":"85dcba9b38c1","_type":"block","children":[{"_key":"38c9197f883f","_type":"span","marks":[],"text":"Mutual funds pool together investors’ money, which is then managed on their behalf by a dedicated investment manager. They will use their skill and experience to choose companies with a strong pathway of growth and/or income, depending on the investment goals set out for the fund. Most mutual funds will have a specific area of focus – say, European stock markets, or the technology sector."}],"markDefs":[],"style":"normal"},{"_key":"7d75774e8ba4","_type":"block","children":[{"_key":"701e2a46710e","_type":"span","marks":[],"text":"These funds are ‘open-ended’, which means that new units are created when money comes into the fund, and retired when an investor exits. The fund manager will need to buy new investments as new money comes in, and sell investments to meet redemptions. The net asset value of the fund will match exactly the value of the underlying holdings. Mutual funds usually price once a day."}],"markDefs":[],"style":"normal"},{"_key":"5d91e33c61d9","_type":"block","children":[{"_key":"6268aacc6ae2","_type":"span","marks":[],"text":"Investors can monitor the performance of their holdings through groups such as Morningstar or Trustnet. Performance is usually judged against their peer group – for a European fund that might be the Investment Association’s Europe ex UK sector, for example – or against a benchmark, so a UK fund might be measured against the FTSE All Share."}],"markDefs":[],"style":"normal"},{"_key":"088cc6b9b3ca","_type":"mainImage","asset":{"_ref":"image-1c4f3d03283ed302300a68ab3e2ab6522df69ffe-1920x1080-png","_type":"reference"},"blankAltTag":true},{"_key":"0e3d6f813d40","_type":"block","children":[{"_key":"34aa132bcd6f","_type":"span","marks":[],"text":""},{"_key":"9b4f770598db","_type":"mainAnchor","pageAnchor":{"_ref":"b8467767-7e11-4c31-bea1-aa9f5262781c","_type":"reference"}},{"_key":"ce4027306905","_type":"span","marks":[],"text":"2. "},{"_key":"d7811b4d5629","_type":"span","marks":["5125949a72e2"],"text":"ETF "},{"_key":"785aaf03c38e","_type":"span","marks":[],"text":"– or exchange-traded fund"}],"markDefs":[{"_key":"5125949a72e2","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}}],"style":"h3"},{"_key":"058c88ebe042","_type":"block","children":[{"_key":"63fc3e598055","_type":"span","marks":[],"text":"ETFs have some similarities with mutual funds, in that they aim to give cheap, diversified access to stock markets and other securities markets. However, unlike mutual funds, ETFs are traded on an exchange and the price fluctuates according to demand. An ETF can trade at a premium or a discount to the value of the underlying assets (though with large, liquid ETFs, this is rare)."}],"markDefs":[],"style":"normal"},{"_key":"8175deb0832b","_type":"block","children":[{"_key":"b76f1a632d7f","_type":"span","marks":[],"text":"ETFs can be structured to track everything from commodity prices, to major indices, to baskets of stocks. The most popular ETFs track major indices such as the S&P 500 or the MSCI World. The world’s largest ETF – the SPDR S&P Ucits ETF is $18,749m in size[1]."}],"markDefs":[],"style":"normal"},{"_key":"0243fc58120b","_type":"block","children":[{"_key":"d26dfcb4698d","_type":"span","marks":[],"text":"ETFs have multiple options. When investing in stock markets or commodities, for example, they will use ‘physical’ or ‘synthetic’ replication. Physical replication requires buying a small share of each of the underlying securities. ‘Synthetic’ replication aims to create the index or commodity return using derivatives, such as futures."}],"markDefs":[],"style":"normal"},{"_key":"2b7d4c115dc0","_type":"block","children":[{"_key":"2269840712de","_type":"span","marks":[],"text":"There are also ETFs on currencies, including more esoteric areas such as Bitcoin and Ethereum. It is also possible to buy leveraged ETFs that offer 2x or 3x exposure to a particular security. There are also inverse ETFs, which use derivatives to go short a stock and – potentially – profit from its decline."}],"markDefs":[],"style":"normal"},{"_key":"96632f5de3b8","_type":"block","children":[{"_key":"94678e498d68","_type":"span","marks":[],"text":"ETFs are usually cheap and liquid. They offer an easy way to get access to a diversified portfolio of companies and investors can buy them easily through a platform or a broker. However, while most people will use them to track a stock market index, they can have a far broader range of uses in a portfolio."}],"markDefs":[],"style":"normal"},{"_key":"fbe667cb2641","_type":"block","children":[{"_key":"e090b250c79c","_type":"span","marks":[],"text":""},{"_key":"d48834fbec1b","_type":"mainAnchor","pageAnchor":{"_ref":"54468bad-cca7-4447-ad6f-bb978d8ff345","_type":"reference"}},{"_key":"525b690a3fbe","_type":"span","marks":[],"text":"3. "},{"_key":"64c304d5c840","_type":"span","marks":["dae9968837bb"],"text":"Investment Trusts"}],"markDefs":[{"_key":"dae9968837bb","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}}],"style":"h3"},{"_key":"3ea4e6c8b276","_type":"block","children":[{"_key":"cb7efed5a2de","_type":"span","marks":[],"text":"Investment trusts (or investment companies) are one of the oldest types of collective fund. They are listed companies that invest in shares, bonds, and other assets, such as property. Most commonly, they will invest in a portfolio of shares, but there are also investment trusts that invest in areas as diverse as care homes, wind farms, or aircraft leasing. The choice is vast."}],"markDefs":[],"style":"normal"},{"_key":"461bd20a6359","_type":"block","children":[{"_key":"98124a39100a","_type":"span","marks":[],"text":"Investment trusts have a board of directors that look after the interests of shareholders. They will ensure the investment manager is staying on track and will take steps to switch if they are not. The board is also responsible for reporting back to shareholders on the trust’s performance."}],"markDefs":[],"style":"normal"},{"_key":"e9b0d2febdd3","_type":"block","children":[{"_key":"5bb452fffda8","_type":"span","marks":[],"text":"Investment trusts are ‘closed-ended’, which means that the fund manager doesn’t have to buy and sell assets when investors buy in or sell out of the fund. This gives investment trusts some advantages when managing less liquid assets such as commercial property or infrastructure. Investment trusts can also be useful for income-seekers: they have the ability to reserve income in buoyant times to pay it out in tougher times, helping smooth the return to investors."}],"markDefs":[],"style":"normal"},{"_key":"45df4bd2ddf0","_type":"block","children":[{"_key":"d5560e24f499","_type":"span","marks":[],"text":"The price for an investment trust is determined by the market, so it may trade at a discount or a premium to the value of its underlying holdings. This can give investors an opportunity to buy assets at less than they are worth."}],"markDefs":[],"style":"normal"},{"_key":"ebe817d3b1e8","_type":"block","children":[{"_key":"c9a7982158dc","_type":"span","marks":[],"text":"There are good and bad options within all of these fund types and investors can construct a diversified portfolio using just one option, or a blend of all of them. There is abundant choice for all types of investor."}],"markDefs":[],"style":"normal"},{"_key":"a92eb1ee91be","_type":"block","children":[{"_key":"a69abe46708f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f9f9ad1e2bb7","_type":"tableControl","rows":[{"_key":"caed1a203503","_type":"row","cells":[{"_key":"6fb4ff733dcc","_type":"cell","tableStyle":"DB","value":[{"_key":"6e6ba5a37c4c","_type":"block","children":[{"_key":"3c1de5b0fe7a","_type":"span","marks":[],"text":"Feature "}],"markDefs":[],"style":"normal"}]},{"_key":"639cecba0244","_type":"cell","tableStyle":"DB","value":[{"_key":"d66e16403996","_type":"block","children":[{"_key":"3769549d899c","_type":"span","marks":[],"text":"Mutual Funds"}],"markDefs":[],"style":"normal"}]},{"_key":"af5bb2799aab","_type":"cell","tableStyle":"DB","value":[{"_key":"74fd157bad23","_type":"block","children":[{"_key":"c376874ae0aa","_type":"span","marks":[],"text":"ETFs"}],"markDefs":[],"style":"normal"}]},{"_key":"fb50c086bfbb","_type":"cell","tableStyle":"DB","value":[{"_key":"5d3f88efe2b9","_type":"block","children":[{"_key":"b96f4aba3af0","_type":"span","marks":[],"text":"Investment Trusts"}],"markDefs":[],"style":"normal"}]}]},{"_key":"60739776aa45","_type":"row","cells":[{"_key":"1a866f773291","_type":"cell","tableStyle":"W","value":[{"_key":"a351f0c34874","_type":"block","children":[{"_key":"43a11dd5c7270","_type":"span","marks":["strong"],"text":"Structure"}],"markDefs":[],"style":"normal"}]},{"_key":"37eebd1755e4","_type":"cell","value":[{"_key":"1065dd198445","_type":"block","children":[{"_key":"93047cf12f5d0","_type":"span","marks":[],"text":"Open-ended; buy/sell shares through the fund"}],"markDefs":[],"style":"normal"}]},{"_key":"8f830cd58e74","_type":"cell","tableStyle":"W","value":[{"_key":"614b5e030934","_type":"block","children":[{"_key":"95eec8041ca00","_type":"span","marks":[],"text":"Bought/sold on stock exchanges"}],"markDefs":[],"style":"normal"}]},{"_key":"c32e184b86c3","_type":"cell","tableStyle":"W","value":[{"_key":"8d3509134ae9","_type":"block","children":[{"_key":"709cb02a2fe60","_type":"span","marks":[],"text":"Closed-ended; trades like a company on exchanges"}],"markDefs":[],"style":"normal"}]}]},{"_key":"4c45a7f812c4bfb30da8ec2804164ae4","_type":"row","cells":[{"_key":"1a866f773291","_type":"cell","tableStyle":"W","value":[{"_key":"f894d5c858d8","_type":"block","children":[{"_key":"975352475ff90","_type":"span","marks":["strong"],"text":"Pricing"}],"markDefs":[],"style":"normal"}]},{"_key":"37eebd1755e4","_type":"cell","value":[{"_key":"55227453c8f2","_type":"block","children":[{"_key":"46094583f90e0","_type":"span","marks":[],"text":"Price set once daily"}],"markDefs":[],"style":"normal"}]},{"_key":"8f830cd58e74","_type":"cell","tableStyle":"W","value":[{"_key":"8e66e62bda67","_type":"block","children":[{"_key":"83c45dd9ebd20","_type":"span","marks":[],"text":"Price changes throughout the day"}],"markDefs":[],"style":"normal"}]},{"_key":"c32e184b86c3","_type":"cell","tableStyle":"W","value":[{"_key":"25d19cbe978d","_type":"block","children":[{"_key":"b8a0d06163440","_type":"span","marks":[],"text":"Price changes based on market (can be above/below value)"}],"markDefs":[],"style":"normal"}]}]},{"_key":"ddc80a429eb95e0cc16f6e7564c40569","_type":"row","cells":[{"_key":"1a866f773291","_type":"cell","tableStyle":"W","value":[{"_key":"ed9c8d99e9a0","_type":"block","children":[{"_key":"856d9e4229d80","_type":"span","marks":["strong"],"text":"Management"}],"markDefs":[],"style":"normal"}]},{"_key":"37eebd1755e4","_type":"cell","value":[{"_key":"d1e4a6e16a1e","_type":"block","children":[{"_key":"ce60ec8aef5d0","_type":"span","marks":[],"text":"Actively managed by professionals"}],"markDefs":[],"style":"normal"}]},{"_key":"8f830cd58e74","_type":"cell","tableStyle":"W","value":[{"_key":"8c41a79d95e8","_type":"block","children":[{"_key":"6d314f88874d0","_type":"span","marks":[],"text":"Typically follows an index (passive management)"}],"markDefs":[],"style":"normal"}]},{"_key":"c32e184b86c3","_type":"cell","tableStyle":"W","value":[{"_key":"9ad7bddeeacc","_type":"block","children":[{"_key":"edb11f7fef0b0","_type":"span","marks":[],"text":"Managed by a board that hires fund managers"}],"markDefs":[],"style":"normal"}]}]},{"_key":"d02d8fbe110707697b848ba128e28827","_type":"row","cells":[{"_key":"1a866f773291","_type":"cell","tableStyle":"W","value":[{"_key":"a493a9ae0b43","_type":"block","children":[{"_key":"c0fd6ee1de080","_type":"span","marks":["strong"],"text":"Liquidity"}],"markDefs":[],"style":"normal"}]},{"_key":"37eebd1755e4","_type":"cell","value":[{"_key":"61e923bac9ee","_type":"block","children":[{"_key":"b0da39d134640","_type":"span","marks":[],"text":"Depends on the assets it holds"}],"markDefs":[],"style":"normal"}]},{"_key":"8f830cd58e74","_type":"cell","tableStyle":"W","value":[{"_key":"8ac6bf052f55","_type":"block","children":[{"_key":"6299904b81600","_type":"span","marks":[],"text":"Very liquid; easy to buy and sell"}],"markDefs":[],"style":"normal"}]},{"_key":"c32e184b86c3","_type":"cell","tableStyle":"W","value":[{"_key":"3fc8567c05df","_type":"block","children":[{"_key":"071691b22fa50","_type":"span","marks":[],"text":"Can invest in less liquid assets, making it more flexible"}],"markDefs":[],"style":"normal"}]}]},{"_key":"d25313bd35798e161939735cbdbe7ff0","_type":"row","cells":[{"_key":"1a866f773291","_type":"cell","tableStyle":"W","value":[{"_key":"916d1c7b1da0","_type":"block","children":[{"_key":"d576268227e60","_type":"span","marks":["strong"],"text":"Typical Focus"}],"markDefs":[],"style":"normal"}]},{"_key":"37eebd1755e4","_type":"cell","tableStyle":"W","value":[{"_key":"4c7046e39e62","_type":"block","children":[{"_key":"f5ab67b6f3c40","_type":"span","marks":[],"text":"Specific sectors or markets"}],"markDefs":[],"style":"normal"}]},{"_key":"8f830cd58e74","_type":"cell","tableStyle":"W","value":[{"_key":"aca131c65b6f","_type":"block","children":[{"_key":"a6f02a7c9bde0","_type":"span","marks":[],"text":"Commonly tracks specific indices (e.g., S&P 500)"}],"markDefs":[],"style":"normal"}]},{"_key":"c32e184b86c3","_type":"cell","tableStyle":"W","value":[{"_key":"ff106e158993","_type":"block","children":[{"_key":"4b5e30e925220","_type":"span","marks":[],"text":"Invests in a variety of assets (stocks, bonds, real estate)"}],"markDefs":[],"style":"normal"}]}]},{"_key":"662ce1eb99fa58ac26c15aef2ec01f5d","_type":"row","cells":[{"_key":"1a866f773291","_type":"cell","tableStyle":"W","value":[{"_key":"0e60f30f3bd4","_type":"block","children":[{"_key":"6a68be2028c50","_type":"span","marks":["strong"],"text":"Unique Advantage"}],"markDefs":[],"style":"normal"}]},{"_key":"37eebd1755e4","_type":"cell","tableStyle":"W","value":[{"_key":"105503d600ef","_type":"block","children":[{"_key":"743e70bb64cb0","_type":"span","marks":[],"text":"Managed by professionals who pick investments"}],"markDefs":[],"style":"normal"}]},{"_key":"8f830cd58e74","_type":"cell","tableStyle":"W","value":[{"_key":"778546a96070","_type":"block","children":[{"_key":"4a0b789cf0300","_type":"span","marks":[],"text":"Low cost and easily traded on exchanges"}],"markDefs":[],"style":"normal"}]},{"_key":"c32e184b86c3","_type":"cell","tableStyle":"W","value":[{"_key":"325194672a7e","_type":"block","children":[{"_key":"cff24c237bb10","_type":"span","marks":[],"text":"Can save reserves to maintain income stability"}],"markDefs":[],"style":"normal"}]}]},{"_key":"6c58d41774d2bd87faad939d73bad8dc","_type":"row","cells":[{"_key":"1a866f773291","_type":"cell","tableStyle":"W","value":[{"_key":"a47e1ec26fbd","_type":"block","children":[{"_key":"c1ea2bf625700","_type":"span","marks":["strong"],"text":"Price Determination"}],"markDefs":[],"style":"normal"}]},{"_key":"37eebd1755e4","_type":"cell","tableStyle":"W","value":[{"_key":"d03381986ff0","_type":"block","children":[{"_key":"007c7ec120940","_type":"span","marks":[],"text":"Based on total value of holdings (NAV)"}],"markDefs":[],"style":"normal"}]},{"_key":"8f830cd58e74","_type":"cell","tableStyle":"W","value":[{"_key":"dcab4a3ade0e","_type":"block","children":[{"_key":"225e663485bc0","_type":"span","marks":[],"text":"Based on supply and demand in the market"}],"markDefs":[],"style":"normal"}]},{"_key":"c32e184b86c3","_type":"cell","tableStyle":"W","value":[{"_key":"22a66c5ee985","_type":"block","children":[{"_key":"a8f8cd0949e00","_type":"span","marks":[],"text":"Can be bought/sold at prices above or below actual value"}],"markDefs":[],"style":"normal"}]}]},{"_key":"6bc077852e5a48c1e5b60cea4a18bc0e","_type":"row","cells":[{"_key":"1a866f773291","_type":"cell","tableStyle":"W","value":[{"_key":"acf569a2c4e7","_type":"block","children":[{"_key":"fee15e6e1b9c0","_type":"span","marks":["strong"],"text":"Best For"}],"markDefs":[],"style":"normal"}]},{"_key":"37eebd1755e4","_type":"cell","tableStyle":"W","value":[{"_key":"53e0b983e7f2","_type":"block","children":[{"_key":"98367a35f66f0","_type":"span","marks":[],"text":"Investors wanting active, professional management"}],"markDefs":[],"style":"normal"}]},{"_key":"8f830cd58e74","_type":"cell","tableStyle":"W","value":[{"_key":"839b96860e2d","_type":"block","children":[{"_key":"4c5be8e97a510","_type":"span","marks":[],"text":"Investors wanting low-cost, simple access to markets"}],"markDefs":[],"style":"normal"}]},{"_key":"c32e184b86c3","_type":"cell","tableStyle":"W","value":[{"_key":"189f47625a62","_type":"block","children":[{"_key":"4188a1c68d270","_type":"span","marks":[],"text":"Investors who want potentially flexible, varied investments"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"Comparison table "},{"_key":"9ff12b14f226","_type":"block","children":[{"_key":"70abad11bcde","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"c184a162dde4","_type":"block","children":[{"_key":"fed41260c4c6","_type":"span","marks":["strong"],"text":"Best-selling funds, ETFs and investment trusts every month"}],"markDefs":[],"style":"normal"}],"_key":"4f9bd9840faa","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"aadcd51e-3d7b-47ae-94da-4226f4f25ea8","_type":"reference"},"text":"FIND OUT"},{"_key":"3d7c35951512","_type":"block","children":[{"_key":"5af36f304afa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"69f8160896a2","_type":"block","children":[{"_key":"ec1917dcda45","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b3d8c62450f2","_type":"block","children":[{"_key":"68bf4e823f93","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"b92d4dd3d66c","_type":"block","children":[{"_key":"8c2b830cdf84","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"bad398e137a4","_type":"block","children":[{"_key":"70b55b673e34","_type":"span","marks":[],"text":"[1] "},{"_key":"ff6e60091786","_type":"span","marks":["064fe1687cfd"],"text":"Morningstar, November 2024"}],"markDefs":[{"_key":"064fe1687cfd","_type":"internalLinkPick","blank":true,"reference":{"_ref":"2db19d89-f466-454f-a7cb-7faaf7c2beaf","_type":"reference"}}],"style":"normal"}],"categories":[{"_key":"3c336cc97291","_ref":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","_type":"reference"},{"_key":"9df9f4163cd3","_ref":"a9695476-b643-4a18-be2a-e8dbf3420afd","_type":"reference"},{"_key":"c506013c499c","_ref":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","_type":"reference"}],"excerpt":[{"_key":"c75c3c063137","_type":"block","children":[{"_key":"3b748708662a0","_type":"span","marks":[],"text":"An overview of the main types of investment funds available to investors, including mutual funds, exchange-traded funds (ETFs), and investment trusts. It explains the key features, benefits, and considerations for each fund structure, helping readers understand the different options for diversifying their investments and accessing a range of asset classes."}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":true,"linkMenu":[{"_key":"40c967034400","_ref":"74f1894f-d47f-4033-b3b7-192b34f31a3b","_type":"reference"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-5da0437c842a15e209c7bf006308fa75f5cedcdf-1920x1080-png","_type":"reference"},"blankAltTag":true},"publishedAt":"1970-11-12T08:06:00.000Z","slug":{"_type":"slug","current":"the-three-key-fund-structures"},"subfolder":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"template":"C-SB","theme":"Boring Money theme","title":"Comparing mutual funds, ETFs, and investment trusts: Key differences and benefits explained","widgets":[{"_key":"74f2c8646eec","_ref":"3fefd2ec-9177-427c-9149-529cd1417d24","_type":"reference"},{"_key":"fa5fa6436824","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"}],"id":"-2c8b7e07-4621-59df-87bb-454831af1ab8","children":[],"parent":null}}],"style":"normal"},{"LeftSideText":[{"_key":"bcb044ecf5ab","_type":"block","children":[{"_key":"ba7542cf4442","_type":"span","marks":["strong"],"text":"Find out all you need to know about Investment Trusts in our hub"}],"markDefs":[],"style":"normal"}],"_key":"c677d8dce5ad","_type":"ctaWidget","reference":{"_id":"drafts.c4a944ee-6d37-4a32-ad78-476434729026","_type":"landingPage","_rev":"519337fe-f792-4c61-af28-2258aa04e114","_createdAt":"2022-12-06T10:35:25Z","_updatedAt":"2025-10-01T11:19:23Z","MainImage":{"_type":"mainImage","asset":{"_ref":"image-2690d787e4458365b9502301ec64c55b0dfc7c11-1080x1080-png","_type":"reference"},"blankAltTag":true},"_system":{"base":{"id":"c4a944ee-6d37-4a32-ad78-476434729026","rev":"Pq1CTzqrhefOK5smpwrgDP"}},"content":[{"_key":"c57bffe4e3e9","_type":"breadcrumb","breadcrumbs":[{"_key":"74aa79506fa2","_type":"breadcrumbReference","linkReference":{"_ref":"c4a944ee-6d37-4a32-ad78-476434729026","_type":"reference"},"title":"Investment Trust Hub"}]},{"_key":"0ef1467eb83226c1cfc160bc69c1dc53","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"ee982c881dba","_type":"block","children":[{"_key":"502ffaa5dff60","_type":"span","marks":[],"text":"‏‏‎Everything you need to know about Investment Trusts"}],"markDefs":[],"style":"h2"},{"_key":"0586d367f146","_type":"block","children":[{"_key":"395742d7706a","_type":"span","marks":[],"text":"This type of fund allows you to pool your money with other investors to access a portfolio managed by an expert. We debunk how they work, which investing strategy they're good for, and what's trending in the world of trusts."}],"markDefs":[],"style":"normal"},{"_key":"9264086cf423","_type":"block","children":[{"_key":"452ed2728c2f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent","title":"Everything you need to know about Investment Trusts"},{"_key":"5246838a2dfe","_type":"bigBlockGroup","arrows":false,"autoscroll":false,"bigBlockItems":[{"_key":"3d065c84e619","_type":"bigBlockItem","linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":" ","asset":{"_ref":"image-b38986e17198df5792935cc79197967250b9c103-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"},"title":"Your Guide to Investment Trusts: What, Why, and How"},{"_key":"3b418d15dcb2","_type":"bigBlockItem","linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":" ","asset":{"_ref":"image-9a7f4b5791fea7a43f0d986e2403380e647b913d-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"43af3699-ae89-4e8f-81a4-8664550190b1","_type":"reference"},"title":"Pros and Cons of Investment Trusts"},{"_key":"3b61d3be475d","_type":"bigBlockItem","linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":" ","asset":{"_ref":"image-c11c675549ad7d640e41e1fc16623956e0716ca5-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"92dacb25-9b6f-44a2-beda-ac6ad8027c0f","_type":"reference"},"title":"Investment Trust Glossary"}],"equaliseHeight":true,"layout":"3x3","styles":"Grey-Transparent","title":"Everything you need to know about Investment Trusts"},{"_key":"5f300fd362fd","_type":"smallSpacerBlock","styles":"Grey-Transparent"},{"_key":"9e80ec0eda6a40ee6e146f61e343e691","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"ee982c881dba","_type":"block","children":[{"_key":"502ffaa5dff60","_type":"span","marks":[],"text":"‏‏‎ ‎"}],"markDefs":[],"style":"normal"},{"_key":"dccdbf9dfb07","_type":"block","children":[{"_key":"ef78c82aa1a8","_type":"span","marks":[],"text":"Investment Trust facts"}],"markDefs":[],"style":"h2"},{"_key":"8289d1e634cb","_type":"block","children":[{"_key":"5a474aa927d7","_type":"span","marks":[],"text":"Want to know the best-performing Investment Trust of 2024? Wondering why they're so good for dividends? Check out these bite-sized facts!"}],"markDefs":[],"style":"normal"}],"styles":"Blue","title":"Investment Trust Facts"},{"_key":"18174684b8ba","_type":"tabsTextboxBlock","styles":"Blue","tabs":[{"_key":"4085c818293d","_type":"tabsTextboxItem","image":{"_type":"mainImage","asset":{"_ref":"image-bcaa4be044280af7d9985be2913b839d66c1eb70-1000x1000-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"According to the Association of Investment Companies (AIC), the top-performing Investment Trusts in H1 2025 were primarily in the European Smaller Companies sector.","textParagraph":[{"_key":"84ae58544909","_type":"block","children":[{"_key":"72346bd13acd","_type":"span","marks":[],"text":"According to the Association of Investment Companies (AIC), the top-performing Investment Trusts so far in 2025 were primarily in the European Smaller Companies sector, with an average return of 7%. However, if we drill down into the details, the top performers were DP Aircraft 1 from the Leasing sector (up 108%), followed by Gresham House Energy Storage from the Renewable Energy Infrastructure sector (up 71%).[1]"}],"markDefs":[],"style":"normal"},{"_key":"6ba0c70f6e61","_type":"block","children":[{"_key":"cbe2ac60cea7","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"82914a2a9234","_type":"block","children":[{"_key":"c9a7e789cc69","_type":"span","marks":[],"text":"[1]"},{"_key":"8654dc3917e4","_type":"span","marks":["5f740fc58210"],"text":" "},{"_key":"f701a8b50aaa","_type":"span","marks":["62d582e8f706"],"text":"Association of Investment Companies, July 2025."}],"markDefs":[{"_key":"5f740fc58210","_type":"internalLinkPick","blank":true,"reference":{"_ref":"c5b50fde-32da-4322-8d46-fa0ec3b20641","_type":"reference"}},{"_key":"62d582e8f706","_type":"internalLinkPick","blank":true,"reference":{"_ref":"c9126bf7-16a4-414f-ac87-ee6916d48ae8","_type":"reference"}}],"style":"normal"}],"title":"What are the top-performing Investment Trusts so far this year?"},{"_key":"9f637707d055","_type":"tabsTextboxItem","fullSizeImage":{"_type":"mainImage"},"image":{"_type":"mainImage","alt":"Why are Investment Trusts great for income?","asset":{"_ref":"image-2fc70c0c6cdc9e8d2a46872f56e681677933afbb-1000x1000-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"It all comes down to Investment Trusts' ability to reserve income during the good times, to help boost dividends during the bad times. Unlike other types of fund, trusts are permitted to reserve up to 15% of the dividends they make from their underlying investments every year.","textParagraph":[{"_key":"92e984c82427","_type":"block","children":[{"_key":"e3e673965e86","_type":"span","marks":[],"text":"It all comes down to Investment Trusts' ability to reserve income during the good times, to help boost dividends during the bad times. Unlike other types of fund, trusts are permitted to reserve up to 15% of the dividends they make from their underlying investments every year, stashing it away to be used if and when they need to supplement shareholders' earnings. Some trusts have built a reputation as part of the "},{"_key":"38f2688f038a","_type":"span","marks":["529c9798534b"],"text":"Association of Investment Companies"},{"_key":"cabfc0af4e91","_type":"span","marks":[],"text":"' (AIC) '"},{"_key":"d0a1fc09d42e","_type":"span","marks":["4cf01fc97c01"],"text":"Dividend Heroes"},{"_key":"2673217aab10","_type":"span","marks":[],"text":"', recognised for increasing their dividend payments year-on-year."}],"markDefs":[{"_key":"4cf01fc97c01","_type":"internalLinkPick","blank":true,"reference":{"_ref":"5927327c-c130-492f-8722-8f8dc11fe0b2","_type":"reference"}},{"_key":"529c9798534b","_type":"internalLinkPick","blank":true,"reference":{"_ref":"0a6c1569-9332-41b4-aaab-0996e05a0fca","_type":"reference"}}],"style":"normal"}],"title":"Why are Investment Trusts great for income?"},{"_key":"f0a40928724a","_type":"tabsTextboxItem","fullSizeImage":{"_type":"mainImage"},"image":{"_type":"mainImage","alt":"How many Investment Trusts should you invest in?","asset":{"_ref":"image-91d3da915c7cb3beb64a7c82e59c905fef82d538-1000x1000-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"There's no hard and fast rule as to how many Investment Trusts you should be incorporating into your portfolio, but for a balanced and diversified set of investments, it's generally recommended that you have between 5 to 10 funds, trusts or ETFs.","textParagraph":[{"_key":"1239d6e2b911","_type":"block","children":[{"_key":"2bd8fa87c685","_type":"span","marks":[],"text":"There's no hard and fast rule as to how many Investment Trusts you should be incorporating into your portfolio, but for a balanced and diversified set of investments, it's generally recommended that you have between 5 to 10 funds, trusts or ETFs. Each of these will typically have at least 20 underlying companies in them, so if you bought 10 Investment Trusts, you'd be investing in around 200 shares in total - spreading your investment risk but still keeping it all manageable with just 10 overarching trusts to keep an eye on. "}],"markDefs":[],"style":"normal"}],"title":"How many Investment Trusts should you invest in?"},{"_key":"80217e01ec32","_type":"tabsTextboxItem","fullSizeImage":{"_type":"mainImage"},"image":{"_type":"mainImage","alt":"What are the Dividend Heroes?","asset":{"_ref":"image-c2bcc52dc6e223d5879f32f82deb806ec86e4fad-1000x1000-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"The Dividend Heroes are an elite group of Investment Trusts which have been recognised by the AIC for consistently paying out dividends for 20 or more years in a row. ","textParagraph":[{"_key":"e6ed53995b2b","_type":"block","children":[{"_key":"2c9f18f5b260","_type":"span","marks":[],"text":"The "},{"_key":"6512fe890d70","_type":"span","marks":["67c517a72da4"],"text":"Dividend Heroes"},{"_key":"c54ed141880a","_type":"span","marks":[],"text":" are an elite group of Investment Trusts which have been recognised by the "},{"_key":"742e44101e04","_type":"span","marks":["9d4d292870a4"],"text":"AIC"},{"_key":"ea996fd68949","_type":"span","marks":[],"text":" for consistently paying out dividends for 20 or more years in a row. Among the five trusts at the top of the list include City of London Investment Trust, Bankers Investment Trust, Alliance Witan, Caledonia Investments and The Global Smaller Companies Trust."}],"markDefs":[{"_key":"9d4d292870a4","_type":"internalLinkPick","blank":true,"reference":{"_ref":"0a6c1569-9332-41b4-aaab-0996e05a0fca","_type":"reference"}},{"_key":"67c517a72da4","_type":"internalLinkPick","blank":true,"reference":{"_ref":"5927327c-c130-492f-8722-8f8dc11fe0b2","_type":"reference"}}],"style":"normal"}],"title":"What are the Dividend Heroes?"},{"_key":"87b8ccc91629","_type":"tabsTextboxItem","fullSizeImage":{"_type":"mainImage"},"image":{"_type":"mainImage","alt":"How can you buy an Investment Trust?","asset":{"_ref":"image-57868dabd53c0c330f04bfb40b1367cedad52a8f-1000x1000-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"Like other types of fund, Investment Trusts are traded on the stock market, so to buy one you'll need to use either a stockbroker, an online investment platform, or - if you know exactly what you're looking for - you can even...","textParagraph":[{"_key":"8f6d24f25f72","_type":"block","children":[{"_key":"df05838bcdc3","_type":"span","marks":[],"text":"Like other types of fund, Investment Trusts are traded on the stock market, so to buy one you'll need to use either a stockbroker, an online investment platform, or - if you know exactly what you're looking for - you can even go directly to your chosen Investment Trust. Many trusts don't charge the trading fees you would otherwise pay for a broker or a platform, but you'll of course be limited in your choices if you do it this way. Otherwise, expect to pay a trading fee (typically around 0.65% p.a.), plus the usual 0.5% stamp duty charged on shares, and possibly further fees on top."}],"markDefs":[],"style":"normal"}],"title":"How can you buy an Investment Trust?"}]},{"_key":"d9404f36ac4c","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"5f3e621f0ae6","_type":"block","children":[{"_key":"95a7648d2cd7","_type":"span","marks":[],"text":"‏‏‎ ‎"}],"markDefs":[],"style":"normal"},{"_key":"93daa07b59f7","_type":"block","children":[{"_key":"57c4465922ef","_type":"span","marks":[],"text":""},{"_key":"a04e31373aa5","_type":"mainAnchor","pageAnchor":{"_ref":"ef640406-6e46-4267-875c-221f41a6322c","_type":"reference"}},{"_key":"d891d3c9ca93","_type":"span","marks":[],"text":"Investment Trust related articles"}],"markDefs":[],"style":"h2"},{"_key":"ada6dd7801c4","_type":"block","children":[{"_key":"eccbd634ff5f0","_type":"span","marks":[],"text":"Dive deeper into our handy articles - on everything from the best-selling Investment Trusts of the month to the latest trends in the sector!"}],"markDefs":[],"style":"normal"},{"_key":"82dd39d1a07a","_type":"block","children":[{"_key":"980acd5c56f4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent","title":"Investment Trust related articles"},{"CategoryMultiSelect":[{"_key":"b32cc3b800b8","_ref":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","_type":"reference"}],"_key":"92e147c98ac2","_type":"latestArticlesBlock","articleCount":"9","styles":"Grey-Transparent"},{"_key":"bd49beb91129d0e585d6e219e1de5de1","_type":"smallSpacerBlock","styles":"White","title":"s"},{"_key":"9f6f9c4944e867fbdafc1a3c52d3c89d","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"cc3be436ec1580e7f363bebb2635b405","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"3f3392280416","_type":"block","children":[{"_key":"7bdd6a9ba72d","_type":"span","marks":[],"text":"‏‏‎Investment Trust webinars"}],"markDefs":[],"style":"h2"},{"_key":"27762e863cfd","_type":"block","children":[{"_key":"9a6814b36168","_type":"span","marks":[],"text":"Recap on one of our exclusive live webinars about Investment Trusts, with our Founder & CEO Holly Mackay and expert guests!"}],"markDefs":[],"style":"normal"}],"styles":"White","title":"‏‏‎Investment Trust webinars"},{"_key":"a65f4bedda4b","_type":"bigBlockGroup","bigBlockItems":[{"_key":"a9c20c10a258","_type":"bigBlockItem","introPara":[{"_key":"51944cb6fc73","_type":"block","children":[{"_key":"c7552f0fad6f","_type":"span","marks":[],"text":"Rewatch Boring Money's Founder & CEO "},{"_key":"3615ad93076c","_type":"span","marks":["strong"],"text":"Holly Mackay"},{"_key":"2444af0a79b2","_type":"span","marks":[],"text":" discuss how to invest with investment trusts with "},{"_key":"d25e228aba5f","_type":"span","marks":["strong"],"text":"Annabel Brodie-Smith"},{"_key":"3fffd11624d0","_type":"span","marks":[],"text":", Communications Director at The Association of Investment Companies, and "},{"_key":"86feafbc5bc0","_type":"span","marks":["strong"],"text":"Jim Harrison"},{"_key":"30da6e343c62","_type":"span","marks":[],"text":", Director of Chancery Lane Income Planners."}],"markDefs":[],"style":"normal"}],"linkText":"REWATCH","mainImage":{"_type":"mainImage","alt":"Investment Trusts: How to pick a good one","asset":{"_ref":"image-5e8a0ec474b7a1702bdddaf3e0cdfe71ce653e34-1920x1080-png","_type":"reference"}},"reference":{"_ref":"3eb5224f-5a27-413c-ab9e-92643aca4010","_type":"reference"},"title":"Investment Trusts: How to pick a good one"},{"_key":"360f2e1c83a8","_type":"bigBlockItem","introPara":[{"_key":"3028fb844278","_type":"block","children":[{"_key":"5db95ce6bf87","_type":"span","marks":[],"text":"Rewatch Boring Money's Founder & CEO "},{"_key":"478c47c77487","_type":"span","marks":["strong"],"text":"Holly Mackay"},{"_key":"2dbcfc4b57c8","_type":"span","marks":[],"text":" chatting about all things investment trusts and technology with Chartered Financial Planner "},{"_key":"93ac9271c139","_type":"span","marks":["strong"],"text":"Dennis Hall "},{"_key":"367abca89330","_type":"span","marks":[],"text":"and Polar Capital Fund Manager, "},{"_key":"45c6f57caad1","_type":"span","marks":["strong"],"text":"Ben Rogoff"},{"_key":"2c3064dd4240","_type":"span","marks":[],"text":"."}],"markDefs":[],"style":"normal"}],"linkText":"REWATCH","mainImage":{"_type":"mainImage","alt":"Talking technology with Polar Capital's Ben Rogoff","asset":{"_ref":"image-df199490a5e0401b9b191bbc53d9026326dd2944-1920x1080-png","_type":"reference"}},"reference":{"_ref":"369d3e5f-db25-4bbb-ad4b-74f335fce462","_type":"reference"},"title":"Talking technology with Polar Capital's Ben Rogoff"}],"equaliseHeight":true,"layout":"2x2","paragraphLineClamp":4,"styles":"White","title":"Webinars","titleLineClamp":2},{"_key":"a1ed85b4729a8fc623b380d97f5dd7f3","_type":"smallSpacerBlock","styles":"White","title":"s"},{"_key":"8743deaa2a7c","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"8b3da06f98ec","_type":"block","children":[{"_key":"10d6a1ec5290","_type":"span","marks":[],"text":"Your investing questions answered"}],"markDefs":[],"style":"h3"},{"_key":"9570f6e509b0","_type":"block","children":[{"_key":"5130e580bdb3","_type":"span","marks":["strong"],"text":"You've been writing in to ask us how you can make your money work harder. So we're making it our mission to help"},{"_key":"ff5a88b07624","_type":"span","marks":[],"text":" "},{"_key":"f141fd738c6c","_type":"span","marks":["strong","em"],"text":"real"},{"_key":"b53c499b6fd5","_type":"span","marks":[],"text":" "},{"_key":"1992fe3f4915","_type":"span","marks":["strong"],"text":"readers with"},{"_key":"109cc048283f","_type":"span","marks":[],"text":" "},{"_key":"05e4ca11eed5","_type":"span","marks":["strong","em"],"text":"real"},{"_key":"733a6542c024","_type":"span","marks":[],"text":" "},{"_key":"2301b4fbada7","_type":"span","marks":["strong"],"text":"money problems."}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent","title":"Investing FAQs"},{"_key":"cb67810d0b11","_type":"filteredQuestionsBlock","questionFilterCategory":{"_ref":"0e8bd9b2-5882-419e-a26e-d52952df76d8","_type":"reference"}},{"_key":"193f087023a09d7613b5d63b746b9e26","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"e5c8572ad848","_type":"calcReference","href":"https://infogram.com/investment-trust-hub-logos-1hxr4zxj9y0oq6y?live"}],"excerpt":[{"_key":"824c3babfedf","_type":"block","children":[{"_key":"93ea3dfe0a01","_type":"span","marks":[],"text":"Learn how to invest in Investment Trusts with our clear, jargon-free guides. Discover the pros, cons, and what's trending, plus tips on how to choose the right ones for your portfolio."}],"markDefs":[],"style":"normal"}],"isPrivatePage":false,"publishedAt":"2025-09-30T12:49:37.094Z","slug":{"_type":"slug","current":"homepage"},"subfolder":{"_id":"7e52f8ce-0e19-40fc-8e72-8d372bf9f4d3","_type":"folderCategory","_rev":"AE5jpq5sZWNgXeEUcdfWvP","_createdAt":"2023-01-24T10:29:44Z","_updatedAt":"2023-01-24T10:29:44Z","folder":"/hub/investment-trust/","id":"-4dbbc890-0dfd-50fd-ab9b-913f2432385a","children":[],"parent":null},"theme":"Boring Money theme","title":"How Investment Trusts Work | Beginner Guides, Trends & Expert Analysis","id":"-4c79fc74-9694-520a-83ab-127e6f29aa3d","children":[],"parent":null},"text":"READ MORE"},{"_key":"90c958e3a76f","_type":"block","children":[{"_key":"58ff5f53dc6e","_type":"span","marks":[],"text":""},{"_key":"d942deccb966","_type":"mainAnchor","pageAnchor":{"_id":"614ab4cf-e295-402a-90a2-ddce00934029","_type":"anchorCategory","_rev":"3Wq67lOYe6sY0zlf1Hqp7u","_createdAt":"2023-05-22T15:34:52Z","_updatedAt":"2023-05-22T15:34:52Z","AnchorName":"bondsvsshares","id":"-6b122b34-166d-582c-a4cd-3838cd236c45","children":[],"parent":null}},{"_key":"45fae644733a","_type":"span","marks":[],"text":"Bonds vs shares"}],"markDefs":[],"style":"h2"},{"_key":"e90ad037fc44","_type":"block","children":[{"_key":"69fbf9a8af22","_type":"span","marks":[],"text":"When it comes to investing with funds, you'll often see the \"portfolio\" - that is, what the fund is actually invested in - broken down into different assets. The two most common assets are bonds and shares, but what actually are they?"}],"markDefs":[],"style":"normal"},{"_key":"112a4d6cbc9f","_type":"block","children":[{"_key":"c6616cbb00f7","_type":"span","marks":[],"text":"What is a bond?"}],"markDefs":[],"style":"h3"},{"_key":"55297b26fffd","_type":"block","children":[{"_key":"f9ec30e1d7d7","_type":"span","marks":[],"text":"Owning a bond is kind of getting an IOU from a government or a company – you buy their bond and you’re lending them money. The dicier the prospect of getting your cash back, the more ‘interest’ they will pay you to compensate for the risk. So an Ecuadorian mining company bond would pay a gazillion times more than the relatively staid UK government, for example. It’s a riskier loan so they’ll compensate you more for taking this extra risk. "}],"markDefs":[],"style":"normal"},{"_key":"ad246f1d9a03","_type":"block","children":[{"_key":"d33daf52853b","_type":"span","marks":[],"text":"Bonds are influenced by interest rates, so they’re behaving a bit weirdly at the moment. If you lend the UK government money for 10 years, they’ll pay you about 4% (at the time of writing). And inflation is hovering around the 10% mark. So you’ll see why bonds are paying attractive rates at the moment - the UK economy is currently grappling with the risk of high inflation!"}],"markDefs":[],"style":"normal"},{"_key":"66a2cb7a79bb","_type":"block","children":[{"_key":"f67dc90952da","_type":"span","marks":[],"text":"What is a share?"}],"markDefs":[],"style":"h3"},{"_key":"42ec8b2bfea7","_type":"block","children":[{"_key":"d7677c521ef0","_type":"span","marks":[],"text":"Shares are also known as ‘equities’ or ‘stocks’. If you own shares, you buy little pieces of the world’s biggest companies. And tie your fortunes to theirs. It's these shares that make up the majority of most funds. "}],"markDefs":[],"style":"normal"},{"_key":"87391d64e98f","_type":"block","children":[{"_key":"50f803a42246","_type":"span","marks":[],"text":"As a rule of thumb, most ‘equity’ focused funds will have about 40-60 shares in them, although some fund managers have fewer, sticking to their convictions more about which shares are duds and which ones are winners. "}],"markDefs":[],"style":"normal"},{"_key":"230865d11ff5","_type":"block","children":[{"_key":"81251b61e60c","_type":"span","marks":[],"text":"Shares are also one of the few investments where you can get a decent income. Companies often pay out a share of their profits as dividends. The key is to look for an ‘equity income’ fund. Pick the right one and you could get an income of around 3-4% a year!"}],"markDefs":[],"style":"normal"},{"_key":"06e377758cad","_type":"block","children":[{"_key":"d4019195a987","_type":"span","marks":[],"text":"The balance between bonds and shares"}],"markDefs":[],"style":"h3"},{"_key":"46cf69523ea8","_type":"block","children":[{"_key":"d519404d9cb6","_type":"span","marks":[],"text":"Many suggest diversifying, which means a sort-of Combo Meal of bonds "},{"_key":"a61d5d5863e0","_type":"span","marks":["em"],"text":"and "},{"_key":"2e722c7e508b","_type":"span","marks":[],"text":"shares. Over the long-term, bonds are usually seen as safer and less choppy than shares, but many believe they will make you less over the long-run too. On the other hand, the stock market can potentially make you profit over the longer-term, but can come with significant short-term risk."}],"markDefs":[],"style":"normal"},{"_key":"c973c0042a75","_type":"block","children":[{"_key":"c0025ecc2c48","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c1f67febb327","_type":"prosConsWidget","pros":["You're nearing retirement age","You're not keen on stock market risk"],"prosTitle":"BONDS are better for you if"},{"_key":"e27629a359a2","_type":"block","children":[{"_key":"e48f0db1ddad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a30ea1e3729e","_type":"prosConsWidget","pros":["You can tolerate the concept of stock market risk","You've got lots of time before you need to access your cash"],"prosTitle":"SHARES are better for you if"},{"_key":"03b6c39b6bf2","_type":"block","children":[{"_key":"1ee6f1df4158","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ed118f277297","_type":"block","children":[{"_key":"e3ed41cc210b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c4556aebdc3","_type":"block","children":[{"_key":"59b8e9cbba60","_type":"span","marks":[],"text":"As a general rule of thumb, if you’re a spring chicken and investing for ages in the future, you should probably look at "},{"_key":"0f04bd6e7f43","_type":"span","marks":["em"],"text":"mostly "},{"_key":"0a524dc1e267","_type":"span","marks":[],"text":"shares. If you’re getting on and likely to need your money soon, people typically prefer bonds because they’re less likely to crash as dramatically as shares, leaving you high and dry if you need to cash in your investments. "}],"markDefs":[],"style":"normal"},{"_key":"c44bbef6d561","_type":"block","children":[{"_key":"e1b0274abca3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f871776e39d7","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "},"text":[{"_key":"dc826f13da73","_type":"block","children":[{"_key":"92f0eb6df824","_type":"span","marks":["strong"],"text":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "}],"markDefs":[],"style":"normal"}]},{"_key":"f7d5fb36fe0f","_type":"block","children":[{"_key":"db6952c70b24","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19431081595a","_type":"block","children":[{"_key":"6e263f6e0c3f","_type":"span","marks":[],"text":""},{"_key":"394165043e4a","_type":"mainAnchor","pageAnchor":{"_id":"f0e25e55-88ef-4bd3-96fb-2ea766606d57","_type":"anchorCategory","_rev":"3Wq67lOYe6sY0zlf1Hqrvx","_createdAt":"2023-05-22T15:35:10Z","_updatedAt":"2023-05-22T15:35:10Z","AnchorName":"activevspassive","id":"-946d7890-0ada-5808-9ab1-5f4661ddb7f2","children":[],"parent":null}},{"_key":"d81d41f1e8ee1","_type":"span","marks":[],"text":"Active vs passive"}],"markDefs":[],"style":"h2"},{"_key":"97fd1b6cacb5","_type":"block","children":[{"_key":"b1149c8e019a","_type":"span","marks":[],"text":"Another couple of phrases you'll often see when investing in funds is 'active' and 'passive', but as the world of finance is renowned for being full of jargon, no one ever seems to explain what these are! Here's what they actually mean and why they matter when deciding on the right fund for you."}],"markDefs":[],"style":"normal"},{"_key":"4f4328ace20e","_type":"block","children":[{"_key":"267b07472f39","_type":"span","marks":[],"text":"What is an active fund?"}],"markDefs":[],"style":"h3"},{"_key":"965f3e1b9c85","_type":"block","children":[{"_key":"7e7c85ce1d910","_type":"span","marks":[],"text":"Most funds in the market are what we call ‘active’. An active fund manager, by definition, thinks he or she is smarter than the average investor. A clever clogs. They think they can spot a bargain. Spot the dog before others. Identify the region that is about to go belly-up. So they pick and choose. If you buy an active fund which invests in shares, you'll usually pay a fee to the fund manager of about 75p-95p for every £100 you entrust to them. "}],"markDefs":[],"style":"normal"},{"_key":"dd074314f1cf","_type":"block","children":[{"_key":"e2405d675768","_type":"span","marks":[],"text":"What is a passive fund?"}],"markDefs":[],"style":"h3"},{"_key":"b9d2cd328e0c","_type":"block","children":[{"_key":"9da255300335","_type":"span","marks":[],"text":"Passive funds, on the other hand, are devoid of ego and opinion. They're the well-behaved end of the fund market. No one makes a call on whether Share A is better than Share B. They simply follow what we call an index - or a list of shares or bonds in any given market. They buy them in proportion to their size and no judgement calls are made. If you buy a passive fund which invests in shares, you'll usually pay a fee to the fund manager of about 8-12p for every £100 you entrust to them. It’s a lot cheaper because it’s run by a computer, rather than an expensive human. "}],"markDefs":[],"style":"normal"},{"_key":"365e8264db90","_type":"block","children":[{"_key":"faa5a312feb3","_type":"span","marks":[],"text":"How to decide between active vs passive funds"}],"markDefs":[],"style":"h3"},{"_key":"b8221aa671cb","_type":"block","children":[{"_key":"4799dbdc92b40","_type":"span","marks":[],"text":"There are pros and cons to each approach. Passive funds will tend to be cheaper and have performed well over much of the past decade as a result of strong performance from the technology giants (which form a large share of most capitalisation-weighted indices). However, they can have certain biases – the MSCI World has a 70%+ weighting to the US[2],  for example. Equally, bond indices can have higher weights in companies that have issued the most bonds – i.e. the most indebted. This can increase risk."}],"markDefs":[],"style":"normal"},{"_key":"611ac6f8c648","_type":"block","children":[{"_key":"d022771f72c90","_type":"span","marks":[],"text":"With active funds, there tends to be extremes. Some fund managers will be very successful and deliver better returns than the wider market, while others will find their analysis doesn’t pay off. Investors need to be willing to take a risk on the manager’s skill."}],"markDefs":[],"style":"normal"},{"_key":"c39c65e3ba8a","_type":"block","children":[{"_key":"3c62d7c5ecdd","_type":"span","marks":[],"text":"The jury is out on which is best, but passive funds will inherently return the average of any market. Some active funds will go further and smash it – but others will underperform and charge you for the privilege! So it depends on your risk appetite, among other things. Happy to sit back and copy what the markets do? Passive is for you. Want to leave it to the experts to crunch the numbers and try to outperform? Then try active.\n"}],"markDefs":[],"style":"normal"},{"_key":"ad85bfad7fcf","_type":"block","children":[{"_key":"3d022ec4e243","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"769a3bdcb210","_type":"emailSignupWidget","brazeSubscriptionGroupId":"80bb057b-016f-4c60-8fed-bc2199e56dc7","brazeSubscriptionRef":null,"image":{"_type":"mainImage","alt":"Sign up here!"},"paragraphText":"Get the best-performing funds, market commentary and jargon free insight delivered straight to your inbox every month. Join our Fund Newsletter.\n","title":"Sign up here!"},{"_key":"9082b2e04f18","_type":"block","children":[{"_key":"eca87e721854","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ed19b6fc9ee","_type":"block","children":[{"_key":"0ee0c876052d","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"1fdae174a2eb","_type":"block","children":[{"_key":"4e62aed3fa81","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3aafc66da691","_type":"block","children":[{"_key":"7eacb7f07336","_type":"span","marks":[],"text":"[1] "},{"_key":"d5da36f05625","_type":"span","marks":["873e1e148fbf"],"text":"PwC, March 2024"}],"markDefs":[{"_key":"873e1e148fbf","_type":"internalLinkPick","blank":true,"reference":{"_id":"145cfde5-0dfc-42d5-920b-0b191331e84e","_type":"linkCategory","_rev":"57EMnMDl2Y1cYcN31otiyA","_createdAt":"2024-10-17T08:39:17Z","_updatedAt":"2024-10-17T08:39:23Z","url":"https://www.pwc.com/gx/en/industries/financial-services/publications/etfs-2028-shaping-the-future.html#:~:text=Global%20Exchange%20Traded%20Fund%20(%E2%80%9CETF,2023%20%2D%20according%20to%20PwC%20analysis.","id":"-cf9d1c5f-bb14-5094-b4d2-4a8947638992","children":[],"parent":null}}],"style":"normal"},{"_key":"303192e61fb6","_type":"block","children":[{"_key":"1928cb41e922","_type":"span","marks":[],"text":"[2] "},{"_key":"341d43b08b6b","_type":"span","marks":["a4f8efc4fe28"],"text":"MSCI, November 2024"}],"markDefs":[{"_key":"a4f8efc4fe28","_type":"internalLinkPick","blank":true,"reference":{"_id":"b300e7f8-9ee8-475d-85f0-bcccebda9deb","_type":"linkCategory","_rev":"lz9D5PWofIUHM5I9Qpq7El","_createdAt":"2023-06-08T11:31:28Z","_updatedAt":"2024-10-29T12:00:03Z","description":"MSCI World Index (USD) ","url":"https://www.msci.com/documents/10199/178e6643-6ae6-47b9-82be-e1fc565ededb","id":"-35c899d2-7191-5632-aa4c-2eb4a10b4f1c","children":[],"parent":null}}],"style":"normal"},{"_key":"49a0d84ddbed","_type":"block","children":[{"_key":"cae41be45c6b","_type":"span","marks":[],"text":"[3] "},{"_key":"653072da076b","_type":"span","marks":["d77d4f4a9a3d"],"text":"Trustnet, January 2023"}],"markDefs":[{"_key":"d77d4f4a9a3d","_type":"internalLinkPick","blank":true,"reference":{"_id":"39231df5-0e90-4b9c-abc7-f980c11317c9","_type":"linkCategory","_rev":"ZgCTHLQT5xa597d1MhSaEt","_createdAt":"2024-10-18T15:30:08Z","_updatedAt":"2024-10-18T15:30:14Z","description":"Trustnet","url":"https://www.trustnet.com/news/13353261/nine-charts-showing-where-you-should-have-invested-in-2022","id":"-c335c72d-9bc0-584f-97a3-55c5ed032cb7","children":[],"parent":null}}],"style":"normal"}],"categories":[{"_id":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"category","_rev":"YGZ0taAMl6Ce0nxRRrmRJu","_createdAt":"2025-05-08T10:55:42Z","_updatedAt":"2025-05-12T14:18:13Z","description":"All guide pages related to investing - e.g. funds, Investment Trusts, ETFs.","title":"Investing Guides","id":"-87985091-2601-5883-a2ba-c1ac80cb8f03","children":[],"parent":null},{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","_type":"category","_rev":"DmK61VtPyEhMsfOjcsZCmQ","_createdAt":"2021-04-27T09:39:55Z","_updatedAt":"2021-04-27T09:39:55Z","description":"Funds","title":"Funds","id":"-3a9092a6-9e6d-53ef-bb73-2ab64139b168","children":[],"parent":null},{"_id":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"category","_rev":"WL47ZrgxNpp8wbh75H7FrV","_createdAt":"2024-05-31T10:43:39Z","_updatedAt":"2024-05-31T11:56:50Z","title":"Guide","id":"-42823ea2-5742-58ea-be27-557d9d35eea7","children":[],"parent":null}],"excerpt":[{"_key":"0c5edb6fe2c3","_type":"block","children":[{"_key":"e3cfba5e3d06","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. A great way to avoid making a clanger by choosing one duff share. Great for investing overseas and for outsourcing the decision-making to a professional."}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":true,"linkMenu":[{"_id":"e7ee7375-de0b-4584-ab7c-316ed8adfc92","_type":"pageAnchorMenu","_rev":"ONlyvx4tymESqpbCaPXrJm","_createdAt":"2021-07-21T09:53:56Z","_updatedAt":"2024-11-12T14:55:07Z","menuLinksTop":[{"_key":"4fdcc5e895b3","_type":"pageAnchorMenuTop","reference":{"_ref":"c092d7ca-1d59-4a6f-ae22-c1659dda889d","_type":"reference"},"text":"What is a fund?"},{"_key":"f7f90a209a10","_type":"pageAnchorMenuTop","reference":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"},"text":"Are funds right for me?"},{"_key":"a8c8275ee460","_type":"pageAnchorMenuTop","reference":{"_ref":"60941be5-1a4f-426e-b588-7699bee46271","_type":"reference"},"text":"Why invest in a fund?"},{"_key":"46bf6add17794b04295772619fcf40fa","_type":"pageAnchorMenuTop","reference":{"_ref":"a5632083-6993-47e2-9bc1-07d0a86ad84c","_type":"reference"},"text":"The three main fund structures"},{"_key":"79430d350774","_type":"pageAnchorMenuTop","reference":{"_ref":"614ab4cf-e295-402a-90a2-ddce00934029","_type":"reference"},"text":"Bonds vs shares"},{"_key":"9929d12f8842","_type":"pageAnchorMenuTop","reference":{"_ref":"f0e25e55-88ef-4bd3-96fb-2ea766606d57","_type":"reference"},"text":"Active vs passive"}],"menuTitle":"In this guide","pageRef":"Funds","id":"-49267ea7-7413-5fff-b6b6-bce814b580cd","children":[],"parent":null}],"mainImage":{"_type":"mainImage","asset":{"_id":"image-38ee5a76884f602245c15a08ea6cd1cc47fe4200-3840x2160-png","_type":"sanity.imageAsset","_rev":"6YU7Lcp3flKMQxrRXc7qHT","_createdAt":"2023-05-24T10:12:28Z","_updatedAt":"2023-05-24T10:12:28Z","assetId":"38ee5a76884f602245c15a08ea6cd1cc47fe4200","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"MnQ9=dbb_4$iE0-:bHMzn$t6%3oLM{R*oz","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.7777777777777777,"height":2160,"width":3840},"hasAlpha":true,"isOpaque":true,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#414042","foreground":"#fff","population":6.17,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#904711","foreground":"#fff","population":0.33,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#414042","foreground":"#fff","population":6.17,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#dbd7b7","foreground":"#000","population":0.74,"title":"#000"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f2cb60","foreground":"#000","population":4.06,"title":"#000"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#895754","foreground":"#fff","population":0.68,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#e4c11b","foreground":"#000","population":0.22,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"Funds.png","path":"images/k8qzcdw3/prod1503/38ee5a76884f602245c15a08ea6cd1cc47fe4200-3840x2160.png","sha1hash":"38ee5a76884f602245c15a08ea6cd1cc47fe4200","size":3013655,"uploadId":"RYpP3vv3nmnofZhAD7DDFvLME6J4Ooqk","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/38ee5a76884f602245c15a08ea6cd1cc47fe4200-3840x2160.png","filename":"Funds.png","width":3840,"height":2160,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/38ee5a76884f602245c15a08ea6cd1cc47fe4200-3840x2160.png?rect=1200,0,1440,2160&w=%width%&h=%height%&q=80","id":"image-38ee5a76884f602245c15a08ea6cd1cc47fe4200-3840x2160-png","children":[],"parent":null},"blankAltTag":true},"pageBreadcrumb":{"_id":"607e940b-a7e0-4ec1-a5fa-7ee603b14620","_type":"breadcrumbCategory","_rev":"f48ePDkw69Hgp2bEhRNFrD","_createdAt":"2023-05-19T14:21:08Z","_updatedAt":"2025-07-21T17:03:00Z","_system":{"base":{"id":"607e940b-a7e0-4ec1-a5fa-7ee603b14620","rev":"f48ePDkw69Hgp2bEhRNDjb"}},"breadcrumbList":[{"_key":"2a6b2cd6c280","_type":"breadcrumbReference","linkReference":{"_id":"drafts.77a8222e-6c69-4668-941b-910d7abe4cff","_type":"landingPage","_rev":"2fc96cb1-62e2-4d18-b11a-8440caa6e5af","_createdAt":"2021-06-22T09:38:53Z","_updatedAt":"2025-09-24T20:35:29Z","MainImage":{"_type":"mainImage","asset":{"_ref":"image-fca6fcf2bb69eb23525ed5d6b062fba2261d0183-1920x1080-png","_type":"reference"},"blankAltTag":true},"_system":{"base":{"id":"77a8222e-6c69-4668-941b-910d7abe4cff","rev":"HS8bHFoFwCoVWzp17Olzgw"}},"content":[{"_key":"15cf92e1128a","_type":"breadcrumb","breadcrumbs":[{"_key":"6ed15c6728b5","_type":"breadcrumbReference","linkReference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"title":"Home"},{"_key":"7c4208609d07","_type":"breadcrumbReference","linkReference":{"_ref":"77a8222e-6c69-4668-941b-910d7abe4cff","_type":"reference"},"title":"Investing Guides"}]},{"_key":"594b995a75bf","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"880286636e42","_type":"block","children":[{"_key":"3d7d104ff3b9","_type":"span","marks":[],"text":"Investing Guides"}],"markDefs":[],"style":"h1"},{"_key":"5b43aafc6165","_type":"block","children":[{"_key":"dc754c40248e","_type":"span","marks":[],"text":"New to investing and not sure where to start? Our beginner guides are designed to give you clear, jargon-free definitions of shares, funds, ETFs, bonds and more. Whether you’re new to the world of investing or you're just looking to brush up on your technical knowledge, we're here to debunk it for you."}],"markDefs":[],"style":"normal"},{"_key":"641d7ee35d84","_type":"block","children":[{"_key":"328aec204a98","_type":"span","marks":[],"text":"‎"}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent","title":"Investing Guides"},{"CategoryMultiSelect":[{"_key":"56fe10c2faaf","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"}],"_key":"c7310e68ea47","_type":"latestArticlesBlock","articleCount":"9","contentType":"articles+info","styles":"Grey-Transparent"},{"_key":"e52017fe3f2b65f4dc14342f180708b3","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"60f7b6aa4535","_type":"block","children":[{"_key":"e8d00ed37fdf","_type":"span","marks":[],"text":"Read our articles for a deeper dive"}],"markDefs":[],"style":"h2"}],"linkText":"SEE ALL","reference":{"_ref":"5ab629d6-cac2-4032-8963-79e44c3d3476","_type":"reference"},"styles":"Grey-Transparent","title":"Read our articles for a deeper dive"},{"CategoryMultiSelect":[{"_key":"37bb388d8ad0","_ref":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","_type":"reference"},{"_key":"7a802dc51cb5","_ref":"a9695476-b643-4a18-be2a-e8dbf3420afd","_type":"reference"},{"_key":"10d6dee88a64","_ref":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","_type":"reference"},{"_key":"e3dc8e25e397","_ref":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","_type":"reference"},{"_key":"8815a2cf1b83","_ref":"56fa11ba-f698-452f-a832-1c1c053fc842","_type":"reference"},{"_key":"f44aba9bfdda","_ref":"324d60b8-6372-47d1-b157-ebe7973d8d81","_type":"reference"},{"_key":"79d1a9fbde19","_ref":"9338f25b-7551-48c3-afff-03e9bc5608c3","_type":"reference"},{"_key":"6abfc9fb7d2d","_ref":"c1ad338f-4f1e-45e0-a079-4c8b32ab87b8","_type":"reference"},{"_key":"59621aabb5c7","_ref":"4f6b3a94-9186-4d63-8b72-5c574318f022","_type":"reference"}],"_key":"2d4436feeaef","_type":"latestArticlesBlock","articleCount":"3","contentType":"articles","styles":"Grey-Transparent"}],"excerpt":[{"_key":"de1a1938081d","_type":"block","children":[{"_key":"63ffc4058524","_type":"span","marks":[],"text":"Confused by funds, wondering what an ETF really is, or how Investment Trusts work? You’re not alone. Our investing guides break it all down - simple, practical, and designed for beginner investors who want to understand where they're putting their money."}],"markDefs":[],"style":"normal"}],"noIndex":false,"publishedAt":"2025-09-22T15:25:07.513Z","slug":{"_type":"slug","current":"investing-guides"},"subfolder":{"_ref":"f64e1cea-0c9d-4d1a-b0dc-8dae4fc86f71","_type":"reference"},"theme":"Boring Money theme","title":"Investing Guides for Beginners | Funds, ETFs, Investment Trusts & More","id":"-5157469d-f868-5ae7-88a3-18f0ea40f559","children":[],"parent":null},"title":"Investing Guides"}],"breadcrumbName":"Investing Guides","id":"-4b423ba8-980c-519e-923d-523226bc8892","children":[],"parent":null},"publishedAt":"2025-01-02T15:32:00.000Z","slug":{"_type":"slug","current":"funds"},"subfolder":{"_id":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"folderCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2021-06-22T09:35:09Z","_updatedAt":"2021-06-22T09:35:09Z","folder":"/learn/investing-guides/product-guides/","id":"-57353ca1-a68f-5fa6-85ec-713254904371","children":[],"parent":null},"template":"C-SB","theme":"Boring Money theme","title":"Funds Explained: The Ultimate No-Nonsense Guide for Beginners","widgets":[{"_id":"79cbfce0-99a3-451e-82d4-c0b6a4487777","_type":"widgetCategory","_rev":"EgEymbCqMZGp6yunzb4gXa","_createdAt":"2022-11-23T15:25:59Z","_updatedAt":"2024-03-06T11:18:51Z","body":[{"_key":"bbba0c191a75","_type":"block","children":[{"_key":"ef3d5c24e73c","_type":"span","marks":[],"text":"Join Boring Money today!"}],"markDefs":[],"style":"h4"},{"_key":"e0e6f7eb196e","_type":"block","children":[{"_key":"c130cc35f6a30","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"76110895293e","_type":"block","children":[{"_key":"9d4458798c14","_type":"span","marks":[],"text":"Do you want down-to-earth investing tips, jargon-free guides, bite-sized courses, and more? Join Boring Money for free to start making better choices with your money today!"}],"markDefs":[],"style":"normal"}],"brazeSubscriptionRef":null,"mainImage":{"_type":"mainImage","alt":"Join Boring Money","asset":{"_id":"image-ee3c67f83e5633ad04861cbe94de64b407446616-3840x2160-png","_type":"sanity.imageAsset","_rev":"3Wq67lOYe6sY0zlf1PHD5V","_createdAt":"2023-05-24T11:42:05Z","_updatedAt":"2023-05-24T11:42:05Z","assetId":"ee3c67f83e5633ad04861cbe94de64b407446616","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"McQJidXR~X$QIU--bHM~njox%Mn,M{SwbF","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.7777777777777777,"height":2160,"width":3840},"hasAlpha":true,"isOpaque":true,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#45582d","foreground":"#fff","population":0.18,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#946e34","foreground":"#fff","population":0.01,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#f8cd62","foreground":"#000","population":3.91,"title":"#000"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#caa3b3","foreground":"#000","population":0.31,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f8cd62","foreground":"#000","population":3.91,"title":"#000"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#586da1","foreground":"#fff","population":0.16,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#dcb01c","foreground":"#000","population":0.01,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"Investment Trust.png","path":"images/k8qzcdw3/prod1503/ee3c67f83e5633ad04861cbe94de64b407446616-3840x2160.png","sha1hash":"ee3c67f83e5633ad04861cbe94de64b407446616","size":2427562,"uploadId":"lJ110oJ3ZK4IPtEwRt9J5ZBLXv9aHnHD","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/ee3c67f83e5633ad04861cbe94de64b407446616-3840x2160.png","filename":"Investment Trust.png","width":3840,"height":2160,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/ee3c67f83e5633ad04861cbe94de64b407446616-3840x2160.png?rect=1200,0,1440,2160&w=%width%&h=%height%&q=80","id":"image-ee3c67f83e5633ad04861cbe94de64b407446616-3840x2160-png","children":[],"parent":null}},"title":"Join Boring Money","widgetType":{"_id":"5b086897-ef77-4c29-92d8-cb2e8093bfe1","_type":"widgetTypes","_rev":"pF8khttZBxuzprIa3wdqBC","_createdAt":"2021-07-02T12:59:24Z","_updatedAt":"2023-02-20T13:21:21Z","title":"Sign up","id":"-6b288928-8646-57be-ade6-35c0bade316c","children":[],"parent":null},"id":"-cba90723-3ae2-5682-89af-0db5b8ea6fe5","children":[],"parent":null},{"_id":"2d98a13f-5211-453c-be9e-9785894654db","_type":"widgetCategory","_rev":"0FvTSp1yYRm2ugsQpqhVia","_createdAt":"2022-02-08T10:46:28Z","_updatedAt":"2026-01-29T16:32:24Z","_system":{"base":{"id":"2d98a13f-5211-453c-be9e-9785894654db","rev":"XOsF7krdtE4Qnys87vHAAj"}},"body":[{"_key":"867b9afdf6a4","_type":"block","children":[{"_key":"2c3717ca5cb8","_type":"span","marks":[],"text":"Best Buy ISA 2026"}],"markDefs":[],"style":"h4"},{"_key":"02830aef892b","_type":"block","children":[{"_key":"8a415dade2da","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8d7dc10ce113","_type":"block","children":[{"_key":"def9bd38df2d","_type":"span","marks":[],"text":"Planning on opening a new ISA? Discover the winners of our coveted Best Buy ISA award!"}],"markDefs":[],"style":"normal"}],"linkReference":{"_id":"drafts.5027ed98-4e53-4e94-8fc1-9d370b15dd5c","_type":"information","_rev":"fc2d466e-2f9b-42ce-a2a1-8a166b6f37a9","_createdAt":"2026-01-20T12:22:14Z","_updatedAt":"2026-02-03T15:04:09Z","_system":{"base":{"id":"5027ed98-4e53-4e94-8fc1-9d370b15dd5c","rev":"YjNvQx4tqfWKwO39EkGnhj"}},"authors":[{"_key":"dea689bf6169","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"d1394349e8d9","_type":"block","children":[{"_key":"794835b49d02","_type":"span","marks":[],"text":"Written by "},{"_key":"d06d13fb41cf","_type":"span","marks":["c5f8d6e98c3b"],"text":"Boring Money"}],"markDefs":[{"_key":"c5f8d6e98c3b","_type":"internalLinkPick","reference":{"_ref":"d303d967-e483-4761-b7bf-65760d5b1b66","_type":"reference"}}],"style":"normal"}],"body":[{"_key":"0f04316719cf","_type":"block","children":[{"_key":"b6dca438d9b7","_type":"span","marks":[],"text":"Who won this year's Best Buy Stocks & Shares ISA award?"}],"markDefs":[],"style":"h2"},{"_key":"5f25d690564a","_type":"block","children":[{"_key":"77983b41a1a8","_type":"span","marks":[],"text":"The winners are "},{"_key":"d332b3939f79","_type":"span","marks":["strong"],"text":"AJ Bell, Barclays Smart Investor, Hargreaves Lansdown, interactive investor, J.P. Morgan Personal Investing, Trading 212, and Vanguard"},{"_key":"996053a4cb1b","_type":"span","marks":[],"text":". These providers were selected through independent analysis of costs across 20+ investing scenarios, examination of 7 different portfolio sizes (£1,000 to £300,000), and feedback from over 27,000 real customer reviews."}],"markDefs":[],"style":"normal"},{"_key":"d761a9e5619d","_type":"textboxWidget","image":{"_type":"mainImage","asset":{"_ref":"image-18b6fd6fbaefa078371ddcc385a30dbf84854627-940x788-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","text":[{"_key":"5e92c61fe469","_type":"block","children":[{"_key":"ff30c4c490510","_type":"span","marks":[],"text":"What are the Boring Money Best Buy Awards?"}],"markDefs":[],"style":"h3"},{"_key":"49c229eea9c4","_type":"block","children":[{"_key":"a411f46dae83","_type":"span","marks":[],"text":"The Boring Money Best Buy Awards are independent rankings of UK investment platforms and providers, running for 9 consecutive years. "}],"markDefs":[],"style":"normal"},{"_key":"6ecfac0706cb","_type":"block","children":[{"_key":"0bdc9cd9b4c4","_type":"span","marks":[],"text":"They are designed to recognise the best investment platforms and providers in the UK across a range of categories - from "},{"_key":"40593271d7b2","_type":"span","marks":["e0ce33f28cca"],"text":"Stocks & Shares ISAs"},{"_key":"3baebc28ee13","_type":"span","marks":[],"text":", pensions, digital investment apps, and customer experience. "}],"markDefs":[{"_key":"e0ce33f28cca","_type":"internalLinkPick","blank":true,"reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"ab0c88526427","_type":"block","children":[{"_key":"3599dc3f77380","_type":"span","marks":[],"text":"At the heart of it all, our Best Buy Awards are designed to champion the voice of the consumer and "},{"_key":"a6e118668ce3","_type":"span","marks":["strong"],"text":"help you make better, more informed choices about investing."}],"markDefs":[],"style":"normal"},{"_key":"d595ad143314","_type":"block","children":[{"_key":"56ba31642a4f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"5df51292ea0b","_type":"block","children":[{"_key":"1528e1b6ea930","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"203ba561179a","_type":"block","children":[{"_key":"f4147d219da9","_type":"span","marks":[],"text":"How are the Best Buy Stocks & Shares ISA winners chosen?"}],"markDefs":[],"style":"h2"},{"_key":"b8f0f78ebb8d","_type":"block","children":[{"_key":"3b2eeb9f4fdd","_type":"span","marks":[],"text":"Winners are selected through a rigorous methodology that examines costs across 20+ different investing scenarios - from regular fund investors to share traders and those who prefer ready-made solutions."}],"markDefs":[],"style":"normal"},{"_key":"c0b224368ccb","_type":"block","children":[{"_key":"5c6c7608511d","_type":"span","marks":[],"text":"The analysis covers 7 different portfolio sizes, from £1,000 right up to £300,000, because what works for a small ISA may not be the best value for a large portfolio. All charges are examined, including trading fees, fund dealing charges, and platform costs. Only providers with at least 100 genuine customer reviews are considered, ensuring real-world experience informs the results."}],"markDefs":[],"style":"normal"},{"_key":"979f9c6a336e","_type":"block","children":[{"_key":"4702fcb4a569","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"4ee7e06768ff","_type":"block","children":[{"_key":"1b759e204b41","_type":"span","marks":["strong"],"text":"Read our full methodology breakdown"}],"markDefs":[],"style":"normal"}],"_key":"b6e9b2669f5e","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"reference":{"_ref":"9e12dca7-1836-4410-acc1-6bc412092eaf","_type":"reference"},"text":"CLICK HERE"},{"_key":"9710f1aaa393","_type":"block","children":[{"_key":"05fb04c8e89b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9dbdfb1eb3db","_type":"block","children":[{"_key":"582c6605b680","_type":"span","marks":[],"text":"Best Buy Stocks & Shares ISA 2026 winners"}],"markDefs":[],"style":"h2"},{"_key":"098ffc6fb925","_type":"block","children":[{"_key":"6b2297078cf00","_type":"span","marks":["em"],"text":"We list providers in alphabetical order."}],"markDefs":[],"style":"normal"},{"_key":"816c31f252c3","_type":"block","children":[{"_key":"4fd42f741b89","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"49ffb407dc5a","_type":"block","children":[{"_key":"dc8f73f0a860","_type":"span","marks":[],"text":"AJ Bell"}],"markDefs":[],"style":"h3"},{"_key":"c463151a0de2","_type":"prosConsWidget","prosTitle":"Best for: Aspiring investors with ambition to learn"},{"_key":"15220bca0d44","_type":"recProviders","companies":[{"_key":"13fb9aac0c16","_ref":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"reference"}]},{"_key":"7f80563554c2","_type":"block","children":[{"_key":"4082f63f2108","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dd9cbdea61a1","_type":"blockQuote","adviserLink":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"},"adviserName":"Boring Money ","jobTitle":"Tester and Analyst","quote":[{"_key":"a268c0701a61","_type":"block","children":[{"_key":"01b5bc6705ef","_type":"span","marks":[],"text":"Everything just works. The guidance is excellent, navigation is intuitive, and I can see my portfolio clearly. Would happily invest here."}],"markDefs":[],"style":"normal"}]},{"_key":"ccb23d76be77","_type":"block","children":[{"_key":"6338f2450550","_type":"span","marks":[],"text":"Barclays Smart Investor"}],"markDefs":[],"style":"h3"},{"_key":"ddbb8826c3da","_type":"prosConsWidget","prosTitle":"Best for: Barclays customers wanting integration"},{"_key":"c7b5334c95d9","_type":"recProviders","companies":[{"_key":"8337f4933fa3","_ref":"4b09dad1-47a6-49de-92da-356a38263723","_type":"reference"}]},{"_key":"eaaedaf41997","_type":"block","children":[{"_key":"4e43fa856163","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"549be4dbd238","_type":"blockQuote","adviserName":"Boring Money","jobTitle":"Tester and Analyst","quote":[{"_key":"6ede887a1a83","_type":"block","children":[{"_key":"51442ac418e1","_type":"span","marks":[],"text":"Solid and reliable. The portfolio view, once you're logged in, is excellent, and costs are transparent. Not flashy, but it does the job well."}],"markDefs":[],"style":"normal"}]},{"_key":"f806b5965804","_type":"block","children":[{"_key":"6e66dd94084c","_type":"span","marks":[],"text":"Hargreaves Lansdown"}],"markDefs":[],"style":"h3"},{"_key":"ce611c0d7b9e","_type":"prosConsWidget","prosTitle":"Best for: Premium service and education"},{"_key":"20e6a71b5b26","_type":"recProviders","companies":[{"_key":"25ffde36242e","_ref":"9c7f704c-4cba-4209-92f9-9f8a5c442695","_type":"reference"}]},{"_key":"09f296a08764","_type":"block","children":[{"_key":"7ad401202ed4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7e9aebc171e7","_type":"blockQuote","adviserName":"Boring Money","jobTitle":"Tester and Analyst              ","quote":[{"_key":"c4d3d033c3fd","_type":"block","children":[{"_key":"76abf48176a8","_type":"span","marks":[],"text":"Impressed overall. Strong across most areas - navigation, guidance, and tools all work well. The calculators are particularly comprehensive."}],"markDefs":[],"style":"normal"}]},{"_key":"8197d49ef42c","_type":"block","children":[{"_key":"cda8ac6e5a99","_type":"span","marks":[],"text":"interactive investor"}],"markDefs":[],"style":"h3"},{"_key":"ec93ea34c81e","_type":"prosConsWidget","prosTitle":"Best for: Large portfolios and active traders"},{"_key":"f8469208141d","_type":"recProviders","companies":[{"_key":"557738b00f0c","_ref":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"reference"}]},{"_key":"f2b9c630ed26","_type":"block","children":[{"_key":"045ff6813536","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f9e5cdbaf4f1","_type":"blockQuote","adviserName":"Boring Money","jobTitle":"Tester and Analyst              ","quote":[{"_key":"4d0bc72270c3","_type":"block","children":[{"_key":"51c3579dcbc3","_type":"span","marks":[],"text":"Really good experience. Strong navigation and guidance, clear information. Portfolio could be better presented, but overall, very solid."}],"markDefs":[],"style":"normal"}]},{"_key":"bdd83231e9e5","_type":"block","children":[{"_key":"a929c0d7974f","_type":"span","marks":[],"text":"J.P. Morgan Personal Investing"}],"markDefs":[],"style":"h3"},{"_key":"8fd416a79399","_type":"block","children":[{"_key":"e51cd0577e05","_type":"span","marks":[],"text":"N.B. "},{"_key":"140370d8f9c6","_type":"span","marks":["em"],"text":"Prior to November 2025, J.P. Morgan Personal Investing operated under the Nutmeg Savings and Investment brand."}],"markDefs":[],"style":"normal"},{"_key":"64b99752d7a0","_type":"prosConsWidget","prosTitle":"Best for: Hands-off beginners"},{"_key":"e1c995ec415d","_type":"recProviders","companies":[{"_key":"050a082cd33d","_ref":"654f80f8-ef31-4884-8f43-c2f2a7de8d67","_type":"reference"}]},{"_key":"f352ceed0573","_type":"block","children":[{"_key":"0c3ecd31e067","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5df4ba93d4ec","_type":"blockQuote","adviserName":"Boring Money","jobTitle":"Tester and Analyst  ","quote":[{"_key":"19ed8274e631","_type":"block","children":[{"_key":"a46b52993492","_type":"span","marks":[],"text":"Strong design and solid documentation. Navigation works well. The portfolio display could be better and some areas lack depth, but overall positive."}],"markDefs":[],"style":"normal"}]},{"_key":"bacd68f371d3","_type":"block","children":[{"_key":"cd39a74f5b21","_type":"span","marks":[],"text":"Trading 212"}],"markDefs":[],"style":"h3"},{"_key":"3705afeb7771","_type":"prosConsWidget","prosTitle":"Best for: Cost-conscious, hands-on investors"},{"_key":"ae32f486e585","_type":"recProviders","companies":[{"_key":"ca27b8535a13","_ref":"50c06977-799e-4c1f-8bab-771662093aae","_type":"reference"}]},{"_key":"3507dd28e74c","_type":"block","children":[{"_key":"351d76a971d0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0d5b6dc26e68","_type":"blockQuote","adviserName":"Boring Money ","jobTitle":"Tester and Analyst  ","quote":[{"_key":"fb6b4155cc55","_type":"block","children":[{"_key":"c43390ec59a9","_type":"span","marks":[],"text":"Strong portfolio display and good documentation. Mobile works well. Overall, a solid offering, though the tools could go deeper."}],"markDefs":[],"style":"normal"}]},{"_key":"5d6e66cdbc6b","_type":"block","children":[{"_key":"d02b2de54af9","_type":"span","marks":[],"text":"Vanguard"}],"markDefs":[],"style":"h3"},{"_key":"a18234acc849","_type":"prosConsWidget","prosTitle":"Best for: Simple, low-cost investing"},{"_key":"330e48767fe3","_type":"recProviders","companies":[{"_key":"ceee38ea825e","_ref":"02d1b7cb-6194-4ed7-a268-07788d7de9e8","_type":"reference"}]},{"_key":"4f7b5b72785b","_type":"block","children":[{"_key":"302bd6dc3135","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"231c43265d93","_type":"blockQuote","adviserName":"Boring Money ","jobTitle":"Tester and Analyst  ","quote":[{"_key":"ebff1942745e","_type":"block","children":[{"_key":"7006c995a212","_type":"span","marks":[],"text":"Generally positive - navigation, guidance, and clarity all work well. Not much 'wow factor' but it's a solid, reliable platform."}],"markDefs":[],"style":"normal"}]},{"_key":"edc8ffbff8db","_type":"block","children":[{"_key":"95c6d45e7f45","_type":"span","marks":[],"text":"Ready to compare ISAs?"}],"markDefs":[],"style":"h2"},{"_key":"8699f048a6f6","_type":"block","children":[{"_key":"a41194448cad","_type":"span","marks":[],"text":"Are you looking to open an ISA but not sure who to turn to? Check our ISA comparison table to see what's out there! Read our full reviews for information on fees and charges, investment range, real customer reviews and more."}],"markDefs":[],"style":"normal"},{"_key":"9a14457381d6","_type":"block","children":[{"_key":"7e89d10f355d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"d5a3a350671a","_type":"block","children":[{"_key":"67df389eda63","_type":"span","marks":["strong"],"text":"Browse ISA providers"}],"markDefs":[],"style":"normal"}],"_key":"8e43ccdb71d1","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"text":"GET STARTED"},{"_key":"045288e8682b","_type":"block","children":[{"_key":"35b00642dae50","_type":"span","marks":[],"text":"FAQs about Stocks & Shares ISAs"}],"markDefs":[],"style":"h2"},{"_key":"6f6557a05f7b","_type":"block","children":[{"_key":"bc711690924c0","_type":"span","marks":[],"text":"From first-time investors asking \"Which ISA provider is best for beginners?\" to experienced traders discussing \""},{"_key":"2ac316cfdf53","_type":"span","marks":["84a414920e5f"],"text":"How to maximise ISA tax benefits"},{"_key":"cb0c7b0bfa68","_type":"span","marks":[],"text":"\" – our community has the answers you're looking for. Dive into our questions archive to find out:"}],"markDefs":[{"_key":"84a414920e5f","_type":"internalLinkPick","blank":true,"reference":{"_ref":"844c33c9-6bb5-4d69-831a-da3b44bf4caa","_type":"reference"}}],"style":"normal"},{"_key":"605f10c6af92","_type":"block","children":[{"_key":"090648e6cb0e","_type":"span","marks":[],"text":"What's the difference between a "},{"_key":"e75c62602381","_type":"span","marks":["5cbef7ecddb6"],"text":"Cash ISA"},{"_key":"3732eb2b59fd","_type":"span","marks":[],"text":" and a Stocks & Shares ISA?"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"5cbef7ecddb6","_type":"internalLinkPick","blank":true,"reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"}}],"style":"normal"},{"_key":"704bd52a1c55","_type":"block","children":[{"_key":"a0a6e6aa2904","_type":"span","marks":["1f5a90ad97bf"],"text":"Should I put money in my ISA or a pension"},{"_key":"4ca2e643279c","_type":"span","marks":[],"text":"?"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"1f5a90ad97bf","_type":"internalLinkPick","blank":true,"reference":{"_ref":"c5b8a236-300b-491b-aebf-cb81c5ed9008","_type":"reference"}}],"style":"normal"},{"_key":"46f3329b98e2","_type":"block","children":[{"_key":"daa3c685900a","_type":"span","marks":[],"text":"What type of investments can I hold in a Stocks & Shares ISA?"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"136d4b9ad4d3","_type":"block","children":[{"_key":"c170f9aedcd9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"edfe717b7d2c","_type":"block","children":[{"_key":"6dc36a8681a8","_type":"span","marks":["strong"],"text":"Frequently asked questions about ISAs"}],"markDefs":[],"style":"normal"}],"_key":"41d0a343f19b","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"c9e9210b-e83b-4607-b4c5-82c12e693b0d","_type":"reference"},"text":"READ NOW"},{"_key":"eea4cc31969f","_type":"block","children":[{"_key":"82599a793def","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"brazeCustomAttributes":[{"_key":"ea532bdff194","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_BBawards2025","customAttributeValue":"https://www.boringmoney.co.uk/boring-money-awards/best-isa-2025"}],"categories":[{"_key":"957ec7c7141a","_ref":"73fddf86-91d0-45eb-adf5-638de6442300","_type":"reference"},{"_key":"c18c31dcbb3d","_ref":"39d2ca7f-4862-4ab2-b902-0bf10f1d4c34","_type":"reference"},{"_key":"ec6acd3ad90c","_ref":"bb11e79a-953f-4735-9106-15c3396ed2c5","_type":"reference"}],"emailSignupWidgetButtonText":"Register Now","emailSignupWidgetImage":{"_type":"mainImage","alt":"Gated content"},"emailSignupWidgetParagraphText":"Alongside the Best Buy ISA content,  you’ll get access to all our Best Buy award winners, quarterly performance updates, and retirement planning tools.\n\nJoin thousands of people making smarter decisions about their money.\n","enableGatedContent":true,"excerpt":[{"_key":"1ec1e46e8511","_type":"block","children":[{"_key":"fdec70add973","_type":"span","marks":[],"text":"The winners of Boring Money's Best Buy Stocks & Shares ISA Award 2026. Independent analysis of costs, customer reviews, and features across UK ISA providers."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"316abce5c66b","_type":"block","children":[{"_key":"97005f1ad048","_type":"span","marks":[],"text":"Who won the Boring Money Best Buy Stocks & Shares ISA Award 2026?"}],"markDefs":[],"style":"h3"},{"_key":"5f25d690564a","_type":"block","children":[{"_key":"77983b41a1a8","_type":"span","marks":[],"text":"The winners are "},{"_key":"d332b3939f79","_type":"span","marks":["strong"],"text":"AJ Bell, Barclays Smart Investor, Hargreaves Lansdown, interactive investor, J.P. Morgan Personal Investing, Trading 212, and Vanguard"},{"_key":"996053a4cb1b","_type":"span","marks":[],"text":". These providers were selected through independent analysis of costs across 20+ investing scenarios, examination of 7 different portfolio sizes (£1,000 to £300,000), and feedback from over 27,000 real customer reviews."}],"markDefs":[],"style":"normal"},{"_key":"fd603bfb0c55","_type":"block","children":[{"_key":"f8cea265d480","_type":"span","marks":[],"text":"Which award winner suits you best?"}],"markDefs":[],"style":"h3"},{"_key":"7e39097bed08","_type":"block","children":[{"_key":"c1696b3c8a21","_type":"span","marks":["strong"],"text":"AJ Bell"},{"_key":"afc1e7646ee8","_type":"span","marks":[],"text":" for aspiring investors? "},{"_key":"4c96197f5a73","_type":"span","marks":["strong"],"text":"Trading 212"},{"_key":"86054eaaf801","_type":"span","marks":[],"text":" for hands-on savers? "},{"_key":"23dbb9d948b9","_type":"span","marks":["strong"],"text":"Hargreaves Lansdown"},{"_key":"18d3b2b3c5a9","_type":"span","marks":[],"text":" for premium service?"}],"markDefs":[],"style":"normal"},{"_key":"794b4d57264d","_type":"prosConsWidget","pros":["Detailed provider profiles - See who each award winner is best for, their costs, and real customer ratings","ISA comparison tools - Find the right provider for your portfolio size and investment style","27,000+ customer reviews - Learn from real investor experiences","Weekly insights from founder Holly Mackay","Plain English ISA guides - Understand government bonuses and withdrawal rules"],"prosTitle":"Want to read more? Sign up for free to access:"},{"_key":"8b32f3c1d6f2","_type":"block","children":[{"_key":"2e9a6c6f6102","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2b056f5b882a","_type":"block","children":[{"_key":"9ee465db4f09","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e051ee789c2a","_type":"block","children":[{"_key":"ef25aa6ce7c0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c75bc19f0650","_type":"block","children":[{"_key":"78008c31f632","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cd6c5ccdc079","_type":"block","children":[{"_key":"6804b03b3520","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6a309bd43992","_type":"block","children":[{"_key":"28e226490bf6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5f7c3271593c","_type":"block","children":[{"_key":"4455e2679826","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f00c1bd274d9","_type":"block","children":[{"_key":"0b9177d22216","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"hideTitle":false,"mainImage":{"_type":"mainImage","alt":"Boring Money's Best Buy ISA Award","asset":{"_ref":"image-696d1a9f7f85c065083c1128c4eeb7cfbc9e50a5-1920x1080-png","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"aa4c4ae4-6d06-4e9c-9bd4-2abd3082cdb4","_type":"reference"},"publishedAt":"2026-01-29T08:50:55.590Z","showConfetti":false,"slug":{"_type":"slug","current":"who-is-best-stocks-and-shares-isa-provider-for-2026"},"subfolder":{"_ref":"80be3e8a-0928-453a-a42f-34316d0f5866","_type":"reference"},"template":"C-SB","textNextToKey":"Sign up free - Takes 30 seconds","theme":"Boring Money theme","title":"Boring Money Best Buy Awards 2026 | Stocks & Shares ISA","widgets":[{"_key":"6fef5919f15e","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"},{"_key":"4a7d9c8317b3","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"},{"_key":"14d420bb14b8","_ref":"195b9c34-aeac-46f7-a0f8-1e0f485893e3","_type":"reference"}],"id":"-0e64207b-98df-59f9-8c5f-10231a281403","children":[],"parent":null},"mainImage":{"_type":"mainImage","alt":"Best Buy ISA 2025","asset":{"_id":"image-696d1a9f7f85c065083c1128c4eeb7cfbc9e50a5-1920x1080-png","_type":"sanity.imageAsset","_rev":"1XrksDlMkoAPinyrcsn0B0","_createdAt":"2026-01-20T10:46:52Z","_updatedAt":"2026-01-20T10:46:52Z","assetId":"696d1a9f7f85c065083c1128c4eeb7cfbc9e50a5","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"MGQYDsxGy@w0Ua$*j@Rkayt6*KjZHCbHwH","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.7777777777777777,"height":1080,"width":1920},"hasAlpha":false,"isOpaque":true,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#344c58","foreground":"#fff","population":0.01,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#c22c14","foreground":"#fff","population":0.07,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#ec0c4c","foreground":"#fff","population":67.19,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#c9ced2","foreground":"#000","population":0.31,"title":"#000"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#fc79b2","foreground":"#000","population":0.09,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#97974a","foreground":"#fff","population":0.01,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#ec0c4c","foreground":"#fff","population":67.19,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"BB ISA 2026.png","path":"images/k8qzcdw3/prod1503/696d1a9f7f85c065083c1128c4eeb7cfbc9e50a5-1920x1080.png","sha1hash":"696d1a9f7f85c065083c1128c4eeb7cfbc9e50a5","size":141354,"uploadId":"pNwiWzm6qqutVj1Lza2R6dZ53MA49azg","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/696d1a9f7f85c065083c1128c4eeb7cfbc9e50a5-1920x1080.png","filename":"BB ISA 2026.png","width":1920,"height":1080,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/696d1a9f7f85c065083c1128c4eeb7cfbc9e50a5-1920x1080.png?rect=600,0,720,1080&w=%width%&h=%height%&q=80","id":"image-696d1a9f7f85c065083c1128c4eeb7cfbc9e50a5-1920x1080-png","children":[],"parent":null},"blankAltTag":true},"title":"Best Buy ISA 2026","widgetType":{"_id":"669510d5-9577-4ce3-b9f5-17a73b44c59d","_type":"widgetTypes","_rev":"DsHc46whJxIpNrcPyQeVGy","_createdAt":"2021-07-02T13:00:28Z","_updatedAt":"2021-07-02T13:00:28Z","title":"Image + text + link","id":"-cddbfca0-b9a5-5835-a5d3-c98208b12cdc","children":[],"parent":null},"id":"-5e30e2b9-9f5c-53c6-a88d-d0108c4a4802","children":[],"parent":null},{"_id":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"widgetCategory","_rev":"5wclHNEBJHceCbZskLLIPm","_createdAt":"2021-08-12T07:26:18Z","_updatedAt":"2025-05-08T15:01:36Z","body":[{"_key":"12a52370b84b","_type":"block","children":[{"_key":"f4a96ffd5243","_type":"span","marks":[],"text":"Contact us"}],"markDefs":[],"style":"h4"},{"_key":"6d3da9cab9be","_type":"block","children":[{"_key":"9715d978a402","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"55646d37119f","_type":"block","children":[{"_key":"112420a491cc","_type":"span","marks":[],"text":"Have a question about money that we haven't answered? Need help making better money choices?"}],"markDefs":[],"style":"normal"},{"_key":"0695bd6571ef","_type":"block","children":[{"_key":"8289049851a9","_type":"span","marks":["strong"],"text":"Email our team today."}],"markDefs":[],"style":"normal"}],"linkReference":{"_id":"789ad7dd-f1a8-4606-9075-20ecba5e0f6b","_type":"linkCategory","_rev":"lplVYZfWM6SeENm14p7rgN","_createdAt":"2022-10-11T10:42:09Z","_updatedAt":"2024-02-22T11:34:37Z","url":"mailto:community@boringmoney.co.uk","id":"-4036ead5-27b9-53f8-b172-b2a01e27899a","children":[],"parent":null},"mainImage":{"_type":"mainImage","alt":"Contact us","asset":{"_id":"image-ab59f7e46f31eaa0dab6342e71531f9dcb202b4d-1920x1080-png","_type":"sanity.imageAsset","_rev":"XGpMwIdWEZBaYJpWDsBHnt","_createdAt":"2023-10-18T12:46:52Z","_updatedAt":"2023-10-18T12:46:52Z","assetId":"ab59f7e46f31eaa0dab6342e71531f9dcb202b4d","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"MFLXDA9iYR?w4T%NM^D*xuI9S]obITnN-;","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.7777777777777777,"height":1080,"width":1920},"hasAlpha":true,"isOpaque":true,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#43332d","foreground":"#fff","population":5.63,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#3c200a","foreground":"#fff","population":0.16,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#c3bca6","foreground":"#000","population":5.73,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#c3bca6","foreground":"#000","population":5.73,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#5c54f7","foreground":"#fff","population":0.05,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#a88074","foreground":"#fff","population":5.18,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f0155b","foreground":"#fff","population":1.25,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"Contact us sidebar.png","path":"images/k8qzcdw3/prod1503/ab59f7e46f31eaa0dab6342e71531f9dcb202b4d-1920x1080.png","sha1hash":"ab59f7e46f31eaa0dab6342e71531f9dcb202b4d","size":1668490,"uploadId":"bfsuq6UJo2BautmVpNOFg6Ab03uCQ5Bi","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/ab59f7e46f31eaa0dab6342e71531f9dcb202b4d-1920x1080.png","filename":"Contact us sidebar.png","width":1920,"height":1080,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/ab59f7e46f31eaa0dab6342e71531f9dcb202b4d-1920x1080.png?rect=600,0,720,1080&w=%width%&h=%height%&q=80","id":"image-ab59f7e46f31eaa0dab6342e71531f9dcb202b4d-1920x1080-png","children":[],"parent":null},"blankAltTag":true},"title":"Contact us","widgetType":{"_id":"669510d5-9577-4ce3-b9f5-17a73b44c59d","_type":"widgetTypes","_rev":"DsHc46whJxIpNrcPyQeVGy","_createdAt":"2021-07-02T13:00:28Z","_updatedAt":"2021-07-02T13:00:28Z","title":"Image + text + link","id":"-cddbfca0-b9a5-5835-a5d3-c98208b12cdc","children":[],"parent":null},"id":"-6d2f3ccb-d3dc-58f8-8964-9fce73ffd590","children":[],"parent":null}],"id":"-f6d3c7d4-0bf0-58b1-9af8-32ef06151a6c","children":[],"parent":null}},{"_key":"f3bed81c25e1","_type":"internalLinkPick","blank":true,"reference":{"_id":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"information","_rev":"gDQJPpKf7NEbh39oUrWCJK","_createdAt":"2021-06-22T11:29:32Z","_updatedAt":"2025-10-20T11:40:20Z","_system":{"base":{"id":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","rev":"OCM7WvHNujFjet6BiYtaw2"}},"authors":[{"_key":"e8546f4c2e48","_type":"personReference","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"people","_rev":"n54XUON695cO06xFcT7KHi","_createdAt":"2021-07-16T15:41:47Z","_updatedAt":"2026-04-16T00:00:29Z","_system":{"base":{"id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","rev":"1XrksDlMkoAPinyrcm2t9G"}},"answeredQuestionsRank":252,"averageRating":0,"bio":[{"_key":"bf1f1c58fef9","_type":"block","children":[{"_key":"97ba1f193b22","_type":"span","marks":[],"text":"Boring Money is an independent company founded in 2015 to make investing, saving and financial planning accessible for everyday people without a PhD in finance. "}],"markDefs":[],"style":"normal"},{"_key":"529bed96fa8e","_type":"block","children":[{"_key":"46347ea68efb","_type":"span","marks":[],"text":"Led by industry veteran "},{"_key":"d6819d3bfe17","_type":"span","marks":["12ac5536ccfd"],"text":"Holly Mackay"},{"_key":"00f260fdccf0","_type":"span","marks":[],"text":" with over 24 years' experience, Boring Money's mission is to demystify savings, investments, and pensions. We help consumers with educational content, research, and user-friendly tips - all without the confusing technical jargon!"}],"markDefs":[{"_key":"12ac5536ccfd","_type":"link","href":"https://www.boringmoney.co.uk/advisers/holly-mackay/"}],"style":"normal"},{"_key":"dbb1c5ff82a3","_type":"block","children":[{"_key":"a9b296baf5d3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8a06e569aa6a","_type":"prosConsWidget","cons":["Confusing industry jargon!"],"consTitle":"Dislikes:","pros":["Making money make sense"],"prosTitle":"Likes:"},{"_key":"04271e0685d4","_type":"block","children":[{"_key":"a68362f24eb7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3e82861a3b80","_type":"block","children":[{"_key":"0f6b76e2f7e6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7f1e7a776f24","_type":"block","children":[{"_key":"44781b4aa451","_type":"span","marks":["em"],"text":"Boring Money is not a regulated financial advice firm. We provide generic information to help you understand your options. We make money from sponsorship, advertising, and referral fees - all transparently disclosed "},{"_key":"8f2d6d572758","_type":"span","marks":["em","a3db01606b86"],"text":"here"},{"_key":"07c6279db2e5","_type":"span","marks":["em"],"text":"."}],"markDefs":[{"_key":"a3db01606b86","_type":"link","href":"https://www.boringmoney.co.uk/how-we-make-money/"}],"style":"normal"}],"categories":[{"_key":"5577aff62e48","_ref":"976f2dc9-ded3-47fc-bc52-bd928767a578","_type":"reference"}],"dashboardId":"b3cf6703-691d-4826-9ddc-762eeb58c289","dateAnsweredRank":88,"email":"community@boringmoney.co.uk","excerpt":[{"_key":"e8edde7ba304","_type":"block","children":[{"_key":"ffba4fdcab87","_type":"span","marks":[],"text":"This is a Boring Money Advice admin page. This adviser directory allows you to browse trusted, vetted financial advisers. Enter your location or use the advanced filters to find the perfect match."}],"markDefs":[],"style":"normal"}],"hideFeeStructure":true,"image":{"_type":"mainImage","alt":"Boring Money","asset":{"_ref":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg","_type":"reference"},"blankAltTag":true,"caption":"Boring Money","crop":{"_type":"sanity.imageCrop","bottom":0,"left":0.10897435897435898,"right":0.1217948717948718,"top":0},"hotspot":{"_type":"sanity.imageHotspot","height":1,"width":0.7628205128205129,"x":0.49679487179487175,"y":0.5}},"location":{"_id":"6647e624-276a-461e-84a8-f8e62eb9143e","_type":"locationCategory","_rev":"ofM7EIDfnwHVEh3rYtk8Tb","_createdAt":"2021-06-23T13:26:06Z","_updatedAt":"2021-10-26T15:29:07Z","location":"London","id":"-20d27915-ace6-58b4-93a8-0c478bc2150e","children":[],"parent":null},"name":"Boring Money","numberOfLikes":1828,"numberOfRatings":0,"publishedAt":"2026-01-20T13:29:05.059Z","showAdviser":false,"slug":{"_type":"slug","current":"boring-money"},"specialisations":[{"_key":"d3e41a6fbb34","_ref":"4807983c-8f5a-49f7-83bd-fcc53e0f81e8","_type":"reference"}],"summary":[{"_key":"8ab6b22d9f47","_type":"block","children":[{"_key":"aa17690f4230","_type":"span","marks":[],"text":"Here to help you understand your options and make smart money choices."}],"markDefs":[],"style":"normal"}],"id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","children":[],"parent":null}}],"authorsText":[{"_key":"fc1db25857b2","_type":"block","children":[{"_key":"833d68e64c8d","_type":"span","marks":[],"text":"By"},{"_key":"4273c5bc7b6f","_type":"span","marks":["strong"],"text":" Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"2a58abb1b98e","_type":"block","children":[{"_key":"1073bd47f628","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0ddc59542bb4","_type":"anchorMenuMobile","title":"s"},{"_key":"56d1d2bb1cf5","_type":"block","children":[{"_key":"de7ee0dfe762","_type":"span","marks":[],"text":""},{"_key":"c8db2dc2259a","_type":"mainAnchor","pageAnchor":{"_id":"5709e327-caf0-425e-90a9-173a2203789a","_type":"anchorCategory","_rev":"lz9D5PWofIUHM5I9Qrhcd3","_createdAt":"2024-10-29T15:21:39Z","_updatedAt":"2024-10-29T15:21:46Z","AnchorName":"inanutshell","id":"-a07d6d26-35fa-5090-a866-f009c4f36735","children":[],"parent":null}},{"_key":"ef825cdd2845","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f417e16263ce","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"bebda097bd0d","_type":"block","children":[{"_key":"2f13d4fe0099","_type":"span","marks":[],"text":"🥜  In a nutshell"}],"markDefs":[],"style":"h4"},{"_key":"932d0fa668ed","_type":"block","children":[{"_key":"84af278c87d9","_type":"span","marks":["strong"],"text":"One investment, many assets – "},{"_key":"183d8170f069","_type":"span","marks":[],"text":"Bundle shares/bonds/other assets into a single product."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"54af3e980f91","_type":"block","children":[{"_key":"8b9953973154","_type":"span","marks":["strong"],"text":"Buy and sell like shares – "},{"_key":"ac8757ad2970","_type":"span","marks":[],"text":"Traded on stock exchanges in real time."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"99228cc39a62","_type":"block","children":[{"_key":"226a1e995f16","_type":"span","marks":["strong"],"text":"Low-cost –"},{"_key":"487148188751","_type":"span","marks":[],"text":" Most replicate an "},{"_key":"b78cf7516775","_type":"span","marks":["532945b87e6e"],"text":"index"},{"_key":"7fd3294fd482","_type":"span","marks":[],"text":", so fees are typically low."}],"level":1,"listItem":"bullet","markDefs":[{"_key":"532945b87e6e","_type":"glossaryPick","reference":{"_ref":"b009fb8f-18ff-4009-9ec4-d59b4fc29a0d","_type":"reference"}}],"style":"normal"},{"_key":"9bed7168c938","_type":"block","children":[{"_key":"fe671c1e3760","_type":"span","marks":["strong"],"text":"Instant diversification –"},{"_key":"e42bf9decfea","_type":"span","marks":[],"text":" Can invest across different countries, "},{"_key":"039ac4ee7524","_type":"span","marks":["b7538c9ea16e"],"text":"sectors"},{"_key":"fc4c254a1839","_type":"span","marks":[],"text":" or themes."}],"level":1,"listItem":"bullet","markDefs":[{"_key":"b7538c9ea16e","_type":"glossaryPick","reference":{"_ref":"a90c5817-1fb8-41c7-baaa-31dd7e2f84d5","_type":"reference"}}],"style":"normal"},{"_key":"5a825cca32be","_type":"block","children":[{"_key":"b0879c88fe22","_type":"span","marks":["strong"],"text":"Great for beginners –"},{"_key":"d04af52ad361","_type":"span","marks":[],"text":" Easy to understand, hands-off, and widely available."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"f07a96947f24","_type":"block","children":[{"_key":"94aad6ee50f4","_type":"span","marks":[],"text":""},{"_key":"b1565d9d299b","_type":"mainAnchor","pageAnchor":{"_id":"324318c3-df5b-48b0-b1e9-a9ca1902ed41","_type":"anchorCategory","_rev":"cASdqEbMn7tolEBHz98tU0","_createdAt":"2023-11-16T14:41:47Z","_updatedAt":"2023-11-16T14:41:47Z","AnchorName":"thebasics","id":"-f89d596d-08d6-5e0f-b362-cc4f7cb41c20","children":[],"parent":null}},{"_key":"7563f684f307","_type":"span","marks":[],"text":"The basics of ETFs"}],"markDefs":[],"style":"h2"},{"_key":"801b612a4ab7","_type":"block","children":[{"_key":"e7a596b12d9e","_type":"span","marks":[],"text":"ETFs – or Exchange-Traded Funds – are one of the easiest ways to invest. They’re essentially ready-made bundles of investments that you can buy and sell on the stock market, just like individual "},{"_key":"5bc7ac0a04d6","_type":"span","marks":["d5816dc1df3f"],"text":"shares"},{"_key":"aeb50cd97422","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"d5816dc1df3f","_type":"glossaryPick","reference":{"_id":"8d6a1c1c-dff0-4e47-bfdd-3750fc95e921","_type":"glossaryHover","_rev":"o7OZbxoPmY2fDdqRM0fHoC","_createdAt":"2025-04-30T14:21:02Z","_updatedAt":"2025-04-30T14:21:16Z","description":"A unit of ownership in a company. Companies divide their ownership into shares and investors can purchase these to become owners of a tiny part of it. They're also called 'stocks' or 'equities'.","title":"Shares","id":"-ac04cc3c-e746-5f10-8954-cd47204396d7","children":[],"parent":null}}],"style":"normal"},{"_key":"6ab85cbebab0","_type":"block","children":[{"_key":"07e8395398ec","_type":"span","marks":[],"text":"Instead of trying to pick a bunch of winning companies yourself, an ETF gives you instant access to a whole market or theme in one go. Think of it like a playlist of the Top 40 – no favourites, just a mix of the biggest names in a particular index or sector."}],"markDefs":[],"style":"normal"},{"_key":"1ceb43a32660","_type":"block","children":[{"_key":"96f8ca156efc","_type":"span","marks":[],"text":"Many popular ETFs "},{"_key":"0850ca2b4022","_type":"span","marks":["fafd2e21dbe2"],"text":"passively"},{"_key":"ce3c7c5dbf5c","_type":"span","marks":[],"text":" track well-known stock market indices, like the "},{"_key":"02b55600cbf4","_type":"span","marks":["20ba425f3599"],"text":"S&P 500"},{"_key":"f50e19f21248","_type":"span","marks":[],"text":", to give you broad exposure for a low cost. Others focus on "},{"_key":"1a8176d1fbbb","_type":"span","marks":["86eeea6d91ef"],"text":"investment themes "},{"_key":"3ddb33d4e3ac","_type":"span","marks":[],"text":"like Clean Energy, Artificial Intelligence, or Biotech."}],"markDefs":[{"_key":"86eeea6d91ef","_type":"glossaryPick","reference":{"_id":"153b5d49-ccd6-4396-8965-dc69754a85a6","_type":"glossaryHover","_rev":"ShBttggBniCqjqcnCLV22N","_createdAt":"2025-04-30T14:46:28Z","_updatedAt":"2025-05-15T09:25:59Z","description":"An investment approach that focuses on broad, long-term trends, such as climate change, artificial intelligence, ageing populations, or clean energy. Investment themes help investors identify which businesses might prosper as a result of these changes.","title":"Thematic","id":"-72d8b144-fe5e-5556-b91d-e9b568a8ca01","children":[],"parent":null}},{"_key":"20ba425f3599","_type":"glossaryPick","reference":{"_id":"05f6786c-9e39-4f1b-9b78-4eb9b2623c01","_type":"glossaryHover","_rev":"o7OZbxoPmY2fDdqRM0fKUM","_createdAt":"2025-04-30T14:21:45Z","_updatedAt":"2025-04-30T14:21:51Z","description":"An index that tracks the performance of the 500 largest publicly traded companies in the United States. It's often used as a benchmark for the overall global stock market.","title":"S&P 500","id":"-dde830ee-fef2-50e4-aa19-2b98853828f8","children":[],"parent":null}},{"_key":"fafd2e21dbe2","_type":"glossaryPick","reference":{"_id":"c1ebf065-a9a0-4501-b78b-4f8f534e09a7","_type":"glossaryHover","_rev":"CXeh6EomDfCPue4ojUn2Es","_createdAt":"2025-04-30T14:08:56Z","_updatedAt":"2025-05-15T09:58:50Z","description":"Investment funds that automatically follow a market index or set of rules without a manager actively picking investments. They aim to match the performance of their chosen benchmark rather than trying to beat it, typically offering lower fees than actively managed funds.","title":"Passively managed","id":"-60783fd4-a071-59f8-82a2-556817c3e6be","children":[],"parent":null}}],"style":"normal"},{"_key":"0ab475c73058","_type":"block","children":[{"_key":"0d2480cbc0c7","_type":"span","marks":[],"text":"They're generally cheap and fast growing – the total value of ETFs globally topped $10.4 trillion in 2024.[1] And they're increasingly popular with beginners and pros alike."}],"markDefs":[],"style":"normal"},{"_key":"a6e369e3a60b","_type":"block","children":[{"_key":"0b348a449a79","_type":"span","marks":[],"text":""},{"_key":"195e516b7784","_type":"mainAnchor","pageAnchor":{"_id":"094d1a3e-f7bf-4543-a216-e6804a5653f3","_type":"anchorCategory","_rev":"ts5aYSvQnIz4VadBqu7XWj","_createdAt":"2023-11-16T14:43:41Z","_updatedAt":"2023-11-16T14:43:41Z","AnchorName":"aretheyrightforme","id":"-5a46ecee-4bc9-5e15-ac34-86994e2ad7ab","children":[],"parent":null}},{"_key":"e70f053ddfe5","_type":"span","marks":[],"text":"Are ETFs right for me?"}],"markDefs":[],"style":"h2"},{"_key":"dc3003b953c1","_type":"prosConsWidget","cons":["You want a professional fund manager to actively manage your money","You're confident in your ability to pick individual shares","You're chasing short-term gains or want high-risk, high-reward strategies"],"consTitle":"Bad if you","pros":["You’re new to investing and want something simple to start with","You’re cost-conscious and keen to keep investment fees low","You want to track the performance of a broad market or trend"],"prosTitle":"Good if you"},{"_key":"a6b6142f67a3","_type":"block","children":[{"_key":"9f4fef57d621","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b0821875a954","_type":"block","children":[{"_key":"237008b64779","_type":"span","marks":[],"text":""},{"_key":"9b0235f0f7c1","_type":"mainAnchor","pageAnchor":{"_id":"a2748707-923a-4ba0-b66d-cbe3a285ea46","_type":"anchorCategory","_rev":"cASdqEbMn7tolEBHz98zrx","_createdAt":"2023-11-16T14:44:05Z","_updatedAt":"2023-11-16T14:44:05Z","AnchorName":"pros","id":"-1baeecb5-70e6-53b9-93f4-e1064eaf10fd","children":[],"parent":null}},{"_key":"966fd7cc4ecb","_type":"span","marks":[],"text":"The pros of investing in ETFs"}],"markDefs":[],"style":"h2"},{"_key":"2daceea74e1e","_type":"block","children":[{"_key":"0fb16cf8efb4","_type":"span","marks":[],"text":""},{"_key":"d509f53a14fc","_type":"mainAnchor","pageAnchor":{"_id":"02838716-326d-4875-bd5e-a94679cff6f5","_type":"anchorCategory","_rev":"acYekKuYqbrgHGTx0hvty6","_createdAt":"2024-12-12T11:40:49Z","_updatedAt":"2024-12-12T11:40:52Z","AnchorName":"diversification","id":"-483d1311-557e-5803-8b2f-4c381d985327","children":[],"parent":null}},{"_key":"e2a7d9e37c04","_type":"span","marks":[],"text":"✅ Diversification"}],"markDefs":[],"style":"h3"},{"_key":"0e130d474d07","_type":"block","children":[{"_key":"eb0ed54a42a6","_type":"span","marks":[],"text":"ETFs have become one of the most popular ways for UK investors to grow their money – and it’s easy to see why. One of the biggest benefits of ETFs is "},{"_key":"8a7e76909c4b","_type":"span","marks":["fa061852d70f"],"text":"diversification"},{"_key":"eca8b18c04b9","_type":"span","marks":[],"text":". By buying just one ETF, you can get exposure to a wide range of "},{"_key":"a76f549933d5","_type":"span","marks":["8e75e3f2711c"],"text":"assets"},{"_key":"d74ddbc7f81f","_type":"span","marks":[],"text":", such as "},{"_key":"0a2952cfb6b9","_type":"span","marks":["b316985c0945"],"text":"equities"},{"_key":"963011fa80f2","_type":"span","marks":[],"text":", "},{"_key":"495d085f0ea6","_type":"span","marks":["b622e5c67b29"],"text":"bonds"},{"_key":"9ef019ca7bd3","_type":"span","marks":[],"text":", or even specific sectors like technology or clean energy. This helps spread your risk, so you’re not overly reliant on the success of one company or region."}],"markDefs":[{"_key":"fa061852d70f","_type":"glossaryPick","reference":{"_id":"4e600be7-9819-47d4-9ee6-de4019f8a10e","_type":"glossaryHover","_rev":"kKnAee8SDxIeCH15D1hXTb","_createdAt":"2025-04-30T13:36:46Z","_updatedAt":"2025-04-30T13:36:58Z","description":"The process of spreading your investment portfolio across different asset classes, such as partially in shares and partially in bonds, in order to reduce risk.","title":"Diversification","id":"-ada074ac-f745-5c2c-98c7-d66ff9884e05","children":[],"parent":null}},{"_key":"8e75e3f2711c","_type":"glossaryPick","reference":{"_id":"bbd21391-fb19-4ae7-9dd4-03e45b9ff515","_type":"glossaryHover","_rev":"kKnAee8SDxIeCH15D1OEoN","_createdAt":"2025-04-30T13:22:07Z","_updatedAt":"2025-04-30T13:24:33Z","description":"Anything you own that has monetary value. In the investing world, these are the individual things you're investing in. Common examples of assets include shares, bonds, property or cash.","title":"Asset","id":"-7e7ec04e-772c-5ace-a8de-d52d270231ac","children":[],"parent":null}},{"_key":"b316985c0945","_type":"glossaryPick","reference":{"_id":"ffc3cd50-c9a6-4e8a-ae48-94a9f8ee2717","_type":"glossaryHover","_rev":"o7OZbxoPmY2fDdqRM0OQuq","_createdAt":"2025-04-30T13:39:28Z","_updatedAt":"2025-04-30T13:39:37Z","description":"Another word for shares or stocks.","title":"Equities","id":"-75a20273-4e7f-5bec-992f-4f9cbfa8d16f","children":[],"parent":null}},{"_key":"b622e5c67b29","_type":"glossaryPick","reference":{"_id":"ea467285-7d48-4093-b16e-76d3f8a95fc1","_type":"glossaryHover","_rev":"o7OZbxoPmY2fDdqRM0Ixi2","_createdAt":"2025-04-30T13:29:44Z","_updatedAt":"2025-04-30T13:30:01Z","description":"A type of asset that represents a loan, usually issued by a government, company or agency that wants to raise money to fund its operations.","title":"Bond","id":"-9dea76c7-8791-5b4a-b105-00a05033b357","children":[],"parent":null}}],"style":"normal"},{"_key":"dd219d2cecbe","_type":"block","children":[{"_key":"0f730175fc32","_type":"span","marks":[],"text":""},{"_key":"a8f8ba6c722b","_type":"mainAnchor","pageAnchor":{"_id":"b0ab7f9a-0fa8-4687-9b83-3ef5a0587973","_type":"anchorCategory","_rev":"CXeh6EomDfCPue4ojMzqvI","_createdAt":"2025-05-14T09:27:36Z","_updatedAt":"2025-05-14T09:27:37Z","AnchorName":"lowfees","id":"-899f2419-3791-51d6-80fb-4157267cb3f9","children":[],"parent":null}},{"_key":"3c407d2db4e7","_type":"span","marks":[],"text":"✅ Low fees"}],"markDefs":[],"style":"h3"},{"_key":"a46b82ca88ed","_type":"block","children":[{"_key":"5d46b372571a","_type":"span","marks":[],"text":"Another key advantage is cost. Most ETFs are "},{"_key":"0b9b2b9e9dff","_type":"span","marks":["b8b50be98d3d"],"text":"passive"},{"_key":"8e8bd2189660","_type":"span","marks":[],"text":" investments, meaning they track a market index like the FTSE 100 or the S&P 500. Because there’s no "},{"_key":"3fb2be3b173c","_type":"span","marks":["2c913a83b466"],"text":"fund manager"},{"_key":"71d59e13e338","_type":"span","marks":[],"text":" picking stocks, fees are typically lower than actively managed funds. Lower costs mean more of your money stays invested and has the chance to grow over time. "},{"_key":"6c2c67071a58","_type":"span","marks":["856a5e29c1e0"],"text":"Actively managed "},{"_key":"cd0fe0297710","_type":"span","marks":[],"text":"ETFs do exist, but the majority available to UK investors are passive."}],"markDefs":[{"_key":"b8b50be98d3d","_type":"glossaryPick","reference":{"_id":"c1ebf065-a9a0-4501-b78b-4f8f534e09a7","_type":"glossaryHover","_rev":"CXeh6EomDfCPue4ojUn2Es","_createdAt":"2025-04-30T14:08:56Z","_updatedAt":"2025-05-15T09:58:50Z","description":"Investment funds that automatically follow a market index or set of rules without a manager actively picking investments. They aim to match the performance of their chosen benchmark rather than trying to beat it, typically offering lower fees than actively managed funds.","title":"Passively managed","id":"-60783fd4-a071-59f8-82a2-556817c3e6be","children":[],"parent":null}},{"_key":"856a5e29c1e0","_type":"glossaryPick","reference":{"_id":"7842521c-6418-420e-9da3-e0906c64276b","_type":"glossaryHover","_rev":"fFgvRwoir6OYId4IxEOomy","_createdAt":"2025-04-30T13:20:29Z","_updatedAt":"2025-05-16T11:53:57Z","description":"Run by a professional or group of experts, usually called portfolio managers or fund managers, who make decisions about what to buy to try and outperform the market for their customers.","title":"Actively managed","id":"-582244fc-b61b-59f5-a5f8-7694739b8742","children":[],"parent":null}},{"_key":"2c913a83b466","_type":"glossaryPick","reference":{"_id":"52cb8779-f204-4e14-b5e9-c3bb3cf56993","_type":"glossaryHover","_rev":"o7OZbxoPmY2fDdqRM0QfuQ","_createdAt":"2025-04-30T13:44:46Z","_updatedAt":"2025-04-30T13:45:10Z","description":"An investment expert who is responsible for selecting and managing investments in a fund - or other investment products like investment trusts. They use their expertise to choose what to invest in and how to allocate it within the fund, as well as continually monitoring its performance to ensure it's generating growth for shareholders.","title":"Fund manager","id":"-a8978af9-ae0f-5561-89a4-27f1be00cb5d","children":[],"parent":null}}],"style":"normal"},{"_key":"3249e59424ed","_type":"block","children":[{"_key":"2c68ddd62deb","_type":"span","marks":[],"text":""},{"_key":"7f227bfb5410","_type":"mainAnchor","pageAnchor":{"_id":"a4b43d5c-a5a5-4255-ae01-b959a3dd0ab9","_type":"anchorCategory","_rev":"CXeh6EomDfCPue4ojMzwM5","_createdAt":"2025-05-14T09:27:46Z","_updatedAt":"2025-05-14T09:27:49Z","AnchorName":"easytounderstand","id":"-19cfb5c7-d53d-56b4-ab6f-d1af593bcd43","children":[],"parent":null}},{"_key":"3062eaa63ad1","_type":"span","marks":[],"text":"✅ Easy to understand"}],"markDefs":[],"style":"h3"},{"_key":"37f50b1fc7f3","_type":"block","children":[{"_key":"d1204dacf593","_type":"span","marks":[],"text":"ETFs are also easy to buy and sell, since they’re traded on stock exchanges just like individual shares. You can invest through most major platforms or "},{"_key":"3a71dea0a54d","_type":"span","marks":["69cea6ea0437"],"text":"ISAs"},{"_key":"dc7b102e6944","_type":"span","marks":[],"text":" with a few clicks. Their transparency, simplicity, and low barrier to entry make them an ideal choice for beginner investors, those building a long-term portfolio, or anyone looking for a low-maintenance way to invest."}],"markDefs":[{"_key":"69cea6ea0437","_type":"internalLinkPick","reference":{"_id":"drafts.bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"landingPage","_rev":"9b2705a8-7a3d-4d6b-8651-1199bc7fe55b","_createdAt":"2023-02-02T13:04:32Z","_updatedAt":"2026-03-13T10:57:54Z","MainImage":{"_type":"mainImage","asset":{"_ref":"image-547585acb16e80d3cced1b2e8a7d801c1ec5f2f1-1920x1080-png","_type":"reference"},"blankAltTag":true},"_system":{"base":{"id":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","rev":"YkA36qTDOerM1fSJb9h1Ae"}},"brazeCustomAttributes":[{"_key":"ff982d8c73a1","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_ISAhub","customAttributeValue":"https://www.boringmoney.co.uk/hub/isas/homepage/"}],"content":[{"_key":"364e92513f58","_type":"breadcrumb","breadcrumbs":[{"_key":"e60ebf8a6ee7","_type":"breadcrumbReference","linkReference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"},"title":"ISA Hub"}]},{"_key":"0cb1c691961c05f1653cfdce1eaad98c","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"20ec8a01acc6","_type":"block","children":[{"_key":"53aa52ba9b3a","_type":"span","marks":[],"text":""},{"_key":"79eb4c4c397c","_type":"mainAnchor","pageAnchor":{"_ref":"381dd82b-0e34-43a9-b138-9ef515142638","_type":"reference"}},{"_key":"3b5c57d2ca3f","_type":"span","marks":[],"text":"Everything you need to know about ISAs"}],"markDefs":[],"style":"h2"},{"_key":"d1cbd56f93d2","_type":"block","children":[{"_key":"4b49d2118407","_type":"span","marks":[],"text":"Make the most of your tax-free savings allowance with our ISA Hub. Explore the different types, compare benefits, and understand the annual allowance so you can save and invest at maximum potential."}],"markDefs":[],"style":"normal"}],"reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"},"styles":"Grey-Transparent"},{"_key":"03929bc493c8","_type":"bigBlockGroup","arrows":false,"autoscroll":false,"bigBlockItems":[{"_key":"a32474a8ce68","_type":"bigBlockItem","introPara":[{"_key":"6db58e3bb06f","_type":"block","children":[{"_key":"6ec0d94d74ed0","_type":"span","marks":[],"text":"Every adult in the UK can tuck away up to £20,000 into a Stocks & Shares ISA in a single year, and any profits or income you make are tax-free. Forever. They’re flexible too..."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"\" \"","asset":{"_ref":"image-edebd4a53aa4d638a1c531a4df475436a4d6bf1b-1920x1080-png","_type":"reference"}},"reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"},"title":"Stocks & Shares ISA"},{"_key":"715e38b8d5d4","_type":"bigBlockItem","introPara":[{"_key":"2ac35ee39114","_type":"block","children":[{"_key":"ed842b1a5b3c0","_type":"span","marks":[],"text":"If you’re aged between 18 and 39, a Lifetime ISA (also called a LISA) is a type of bank account that offers a tax-free way to save – but with an appealing extra. You can..."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Lifetime ISA","asset":{"_ref":"image-9bb09820cff38d40e582c3134ba2c0158a7592b6-2048x1399-png","_type":"reference"}},"reference":{"_ref":"f87e514a-5bd1-4a7c-95cd-f1676e520028","_type":"reference"},"title":"Lifetime ISA"},{"_key":"a574866c0c14","_type":"bigBlockItem","introPara":[{"_key":"8701633e9899","_type":"block","children":[{"_key":"dc441ba3b860","_type":"span","marks":[],"text":"A Junior ISA (also known as a JISA) is a tax-free savings accounts which allows you to build up a nest egg for the kids without worrying about keeping the taxman's mittens off..."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Junior ISA","asset":{"_ref":"image-907c5394cc6bc2351114fe2f34c4a75f31c17f6f-1920x1080-png","_type":"reference"}},"reference":{"_ref":"10ff81a7-9b4e-4d42-bf3c-c4bec3734358","_type":"reference"},"title":"Junior ISA"},{"_key":"e3b712f0e2bf","_type":"bigBlockItem","introPara":[{"_key":"d4511e25bb4e","_type":"block","children":[{"_key":"c794022dce690","_type":"span","marks":[],"text":"Cash is the safe bespectacled librarian to the more flamboyant rock star that is shares. A Cash ISA (or Individual Savings Account) is a type of bank account where..."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Cash ISA","asset":{"_ref":"image-2009a6a116a9bd951c0e1999bd27429559d7357e-4080x2295-png","_type":"reference"}},"reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"},"title":"Cash ISA"}],"layout":"4x4","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"ISA Guides  Learn about the different types of ISA, how they work, and which one is the best fit for your needs.","titleLineClamp":1},{"_key":"89dcfcd87713","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"ddb12959567d","_type":"calcReference","href":"https://infogram.com/isa-hub-logos-1hmr6g8jv18go2n"},{"_key":"d06c2caa1367","_type":"heroSection","alignment":"Text Right","introPara":[{"_key":"629fe9324910","_type":"block","children":[{"_key":"ce79a903aa2c","_type":"span","marks":[],"text":"Find the right ISA provider for you"}],"markDefs":[],"style":"h2"},{"_key":"b168bfff432a","_type":"block","children":[{"_key":"24f89922ffb0","_type":"span","marks":[],"text":"Want to open an ISA but don't have a clue where to start? Use our ISA comparison table to browse the market and compare costs, investment choice, customer reviews and more. Dig in."}],"markDefs":[],"style":"normal"}],"linkText":"COMPARE PROVIDERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-966238428514e670d4bd9dccfe21d3b3e8f9148d-480x270-gif","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"styles":"Half-Padding-Blue","title":"Find the right ISA provider for you"},{"_key":"a4612ec2dc41","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"d2d9bc6c2e5f","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e30d7ab0886c","_type":"block","children":[{"_key":"af1e182c487f","_type":"span","marks":[],"text":""},{"_key":"b31cebed5f24","_type":"mainAnchor","pageAnchor":{"_ref":"ef640406-6e46-4267-875c-221f41a6322c","_type":"reference"}},{"_key":"c22dc0cf29f10","_type":"span","marks":[],"text":"ISA related articles"}],"markDefs":[],"style":"h2"},{"_key":"bd98c2c8b7cc","_type":"block","children":[{"_key":"013dee737edf","_type":"span","marks":[],"text":"Dive deeper into our handy articles - on everything from busting ISA myths to choosing between Cash and Stocks & Shares!"}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent","title":"ISA articles"},{"CategoryMultiSelect":[{"_key":"a64e58a48cb2","_ref":"73fddf86-91d0-45eb-adf5-638de6442300","_type":"reference"},{"_key":"32140f0ad5d9","_ref":"39d2ca7f-4862-4ab2-b902-0bf10f1d4c34","_type":"reference"},{"_key":"bf8c4324352f","_ref":"9449f276-851c-4943-a4de-3390e0ddb339","_type":"reference"},{"_key":"d6a6ec1cc9e7","_ref":"33d1ae5f-e338-4a6a-99bd-51b86ddba053","_type":"reference"}],"_key":"f59aec6f363b","_type":"latestArticlesBlock","articleCount":"9","contentType":"articles+info","styles":"Grey-Transparent"},{"_key":"13e6ffb9624d0511370a14aab3dd4c25","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"69d370759f968a2e84278ea3c7adafbe","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"67650c1eab98","_type":"block","children":[{"_key":"0180bcb5eff3","_type":"span","marks":[],"text":""},{"_key":"3878008e2714","_type":"mainAnchor","pageAnchor":{"_ref":"cfaa1bf2-ad22-45d4-858f-668ec6bc905f","_type":"reference"}},{"_key":"30b866a50a3c","_type":"span","marks":[],"text":"Your investing questions answered"}],"markDefs":[],"style":"h3"},{"_key":"891025badb59","_type":"block","children":[{"_key":"ebc6e9ba34c5","_type":"span","marks":["strong"],"text":"You've been writing in to ask us how you can make your money work harder. So we're making it our mission to help"},{"_key":"4144d88f7030","_type":"span","marks":[],"text":" "},{"_key":"b7b295d6748c","_type":"span","marks":["strong","em"],"text":"real"},{"_key":"647d130fc227","_type":"span","marks":[],"text":" "},{"_key":"8cb737b1ccd8","_type":"span","marks":["strong"],"text":"readers with"},{"_key":"b18eb4d000fe","_type":"span","marks":[],"text":" "},{"_key":"4af433a24469","_type":"span","marks":["strong","em"],"text":"real"},{"_key":"04cc33943f71","_type":"span","marks":[],"text":" "},{"_key":"67f5e95aec7b","_type":"span","marks":["strong"],"text":"money problems."}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent","title":"Investing FAQs"},{"_key":"afbaff11d589","_type":"filteredQuestionsBlock","questionFilterCategory":{"_ref":"0e8bd9b2-5882-419e-a26e-d52952df76d8","_type":"reference"}},{"_key":"55844a66fc1925e90a59b295ffc4d983","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"bbf51fbf5495","_type":"widgetSelection","title":"www.boringmoney.co.uk - Billboard - Columbia - ISA Hub","widgets":{"_ref":"800b308b-d733-435f-9544-373573f03a1f","_type":"reference"}},{"_key":"352a01af8f1f","_type":"heroSection"}],"emailSignupWidgetButtonText":"JOIN US","emailSignupWidgetParagraphText":"✓ Expert provider comparisons\n✓ Fresh insights from our latest articles\n✓ Step-by-step guides for beginners\n\nComplete our quick sign-up form to learn which ISA combination could transform your financial future!","emailSignupWidgetTextboxPlaceholder":"Enter your email","emailSignupWidgetTitle":"👉 Join now for free to access how to maximise your ISA potential in 2026","enableGatedContent":true,"excerpt":[{"_key":"df8b1a3cd8a7","_type":"block","children":[{"_key":"3a421f2077ca","_type":"span","marks":[],"text":"ISAs let you grow your money tax-free, whether you prefer the safety of cash or the potential growth of investments. With Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Junior ISAs to choose from, we explain how they work, what the rules are, and how to pick the best one for your goals."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue background  - Text center - Faded","gatedContentBody":[{"_key":"84d73d057a81","_type":"smallSpacerBlock","styles":"White"},{"_key":"c332c2be50f2","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"a163363d602d","_type":"block","children":[{"_key":"1d867a83b135","_type":"span","marks":[],"text":"ISA Essentials: Your Ticket to Tax-Free Financial Freedom"}],"markDefs":[],"style":"h1"},{"_key":"d95d08fe361f","_type":"block","children":[{"_key":"ad76edb5b7ca","_type":"span","marks":[],"text":"Want to make your money work harder? ISAs could be your secret weapon."}],"markDefs":[],"style":"h3"},{"_key":"5ffa2e160359","_type":"block","children":[{"_key":"0e302f5b1ea3","_type":"span","marks":[],"text":"Imagine watching your savings and investments grow without HMRC taking a slice. Discover the different ISA types, how to use them, and the best providers for people like you."}],"markDefs":[],"style":"h4"},{"_key":"38d903d0b3bb","_type":"block","children":[{"_key":"2514092f12c2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8cd2f1616a47","_type":"block","children":[{"_key":"44ef124af923","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"181d9465652e","_type":"block","children":[{"_key":"bdf21c78434d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White"},{"CategoryMultiSelect":[{"_key":"81c666e1a7f2","_ref":"39d2ca7f-4862-4ab2-b902-0bf10f1d4c34","_type":"reference"},{"_key":"d17195afd9b5","_ref":"9449f276-851c-4943-a4de-3390e0ddb339","_type":"reference"},{"_key":"73a8cae43e77","_ref":"93c8563a-3c8a-440c-aa52-1792f61017f3","_type":"reference"},{"_key":"722da191946e","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"}],"_key":"53c6aeb87553","_type":"latestArticlesBlock","articleCount":"3","contentType":"articles+info","styles":"White"},{"_key":"6b3966f8036e","_type":"calcReference","href":"https://infogram.com/isa-hub-logos-1hmr6g8jv18go2n"},{"_key":"1524526496a6","_type":"smallSpacerBlock","styles":"White"}],"gatedContentReadMoreText":[{"_key":"02aa1c6986a3","_type":"block","children":[{"_key":"7838df45f871","_type":"span","marks":[],"text":"Glimpse Inside Our Complete ISA Guide:"}],"markDefs":[],"style":"normal"},{"_key":"f9033464a591","_type":"block","children":[{"_key":"ff34dfa51395","_type":"span","marks":["strong"],"text":"Stocks & Shares ISA"},{"_key":"78732e690bc7","_type":"span","marks":[],"text":": Harness the growth potential of the markets with your £20,000 annual allowance. All gains completely tax-free!"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"0b8c35e4c841","_type":"block","children":[{"_key":"af277965e8d2","_type":"span","marks":["strong"],"text":"Lifetime ISA"},{"_key":"d6a7a2b45694","_type":"span","marks":[],"text":": A government-boosted account for 18-39 year olds. Perfect for first-time buyers or retirement planning with..."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"97dd8a08b5fc","_type":"block","children":[{"_key":"d013abc09c10","_type":"span","marks":["strong"],"text":"Junior ISA"},{"_key":"fe9d118a01ea","_type":"span","marks":[],"text":": Building a tax-protected nest egg for children has never been easier. Discover how to secure their financial future..."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"0c2b9cbf16c9","_type":"block","children":[{"_key":"5b77641283df","_type":"span","marks":["strong"],"text":"Cash ISA"},{"_key":"26dd0027f7e8","_type":"span","marks":[],"text":": The safe harbor in your financial portfolio. These accounts offer protection while..."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"201396e3b4c0","_type":"block","children":[{"_key":"38a0ec83ad91","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a03f8027a590","_type":"block","children":[{"_key":"e431529c75bc","_type":"span","marks":["em"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0bf43dd4c29a","_type":"block","children":[{"_key":"97d1df8d943a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"09460f79d2c1","_type":"block","children":[{"_key":"00480e1cd09d","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"}],"publishedAt":"2025-10-01T10:48:28.014Z","slug":{"_type":"slug","current":"homepage"},"subfolder":{"_ref":"40383c9c-b153-4281-8132-b5e8daa83d2f","_type":"reference"},"textNextToKey":"👉 Subscribe now to access everything you need to know about maximising your ISA potential in 2025","theme":"Boring Money theme","title":"ISAs Made Easy | Grow Your Money With Cash, Stocks & Shares, LISAs & More","id":"-3adee802-6c0b-5fc9-9051-ce05debdc6b5","children":[],"parent":null}}],"style":"normal"},{"_key":"fba220811ee1","_type":"block","children":[{"_key":"251b3ab91b42","_type":"span","marks":[],"text":""},{"_key":"637f55890428","_type":"mainAnchor","pageAnchor":{"_id":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"anchorCategory","_rev":"tdnWmo3iMYPu87sxSmoByx","_createdAt":"2023-11-16T14:44:16Z","_updatedAt":"2023-11-16T14:44:16Z","AnchorName":"cons","id":"-6eba275b-1f8a-5e7c-abc6-ca0fd98d2896","children":[],"parent":null}},{"_key":"394c78b910a7","_type":"span","marks":[],"text":"The cons of investing in ETFs"}],"markDefs":[],"style":"h2"},{"_key":"6fd746bca917","_type":"block","children":[{"_key":"c87d84ab8ed8","_type":"span","marks":[],"text":""},{"_key":"2a9231654e6b","_type":"mainAnchor","pageAnchor":{"_id":"b0bf4eec-56c9-4216-a97b-9be7a3a35527","_type":"anchorCategory","_rev":"ShBttggBniCqjqcnCF0IEv","_createdAt":"2025-05-14T09:28:36Z","_updatedAt":"2025-05-14T09:28:40Z","AnchorName":"choice","id":"-7d987723-e886-5dae-9395-ecca7eb91af9","children":[],"parent":null}},{"_key":"37a31be65391","_type":"span","marks":[],"text":"❌ You can’t pick and choose"}],"markDefs":[],"style":"h3"},{"_key":"10435ab41deb","_type":"block","children":[{"_key":"db1c754fe0e3","_type":"span","marks":[],"text":"While ETFs are a great tool for many investors, they’re not without their downsides. One issue is lack of flexibility. Because ETFs typically track an index, you have no control over the individual companies included. If a sector you don’t support (like fossil fuels or tobacco) is heavily represented in a broad market ETF, there’s not much you can do about it. This can be a drawback for "},{"_key":"6c28ef491aaf","_type":"span","marks":["5aab59721fc3"],"text":"ethical"},{"_key":"370dd1259229","_type":"span","marks":[],"text":" investors who want to align their portfolio with their values."}],"markDefs":[{"_key":"5aab59721fc3","_type":"glossaryPick","reference":{"_id":"5cb1800e-1555-43a2-83d8-bd1d19a586fe","_type":"glossaryHover","_rev":"lTp2d2CYb7e7Sxre7EiaX5","_createdAt":"2025-04-30T14:47:54Z","_updatedAt":"2025-04-30T14:48:17Z","description":"An investment approach based on moral or ethical principles, such as avoiding companies involved in tobacco, arms, gambling, or environmental harm. Ethical investors often screen out sectors or businesses they consider harmful or exploitative.","title":"Ethical","id":"-77058e61-588c-580a-b26a-139bae769294","children":[],"parent":null}}],"style":"normal"},{"_key":"7a60017a89b5","_type":"block","children":[{"_key":"6b38641ab2cc","_type":"span","marks":[],"text":""},{"_key":"bb505b264510","_type":"mainAnchor","pageAnchor":{"_id":"cd10a6ae-7510-4135-8400-f12ba04fda3d","_type":"anchorCategory","_rev":"6GQVMObKpWvjCX4LMzB7m8","_createdAt":"2025-05-14T09:28:48Z","_updatedAt":"2025-05-14T09:28:51Z","AnchorName":"overdiversification","id":"-6272f989-a7a1-5587-a69c-9957611d1ee9","children":[],"parent":null}},{"_key":"7dd65ce281b4","_type":"span","marks":[],"text":"❌ Beware of owning too many"}],"markDefs":[],"style":"h3"},{"_key":"1728bd5cc2c2","_type":"block","children":[{"_key":"b1bfa84f2454","_type":"span","marks":[],"text":"Another thing to watch out for is over-diversification or “diworsification.” Some investors load up on lots of ETFs without realising there’s significant overlap between the "},{"_key":"e2c6c9e2e9bf","_type":"span","marks":["46e65d891c29"],"text":"underlying"},{"_key":"4b9bd5e1f275","_type":"span","marks":[],"text":" assets. For example, if you own a global ETF and a US-focused ETF, you might be doubling up on the same stocks. It’s important to understand what’s actually inside your ETFs to avoid unintended risk or redundancy."}],"markDefs":[{"_key":"46e65d891c29","_type":"glossaryPick","reference":{"_id":"cb2d54a5-51bd-4510-96c6-badad138eff7","_type":"glossaryHover","_rev":"kKnAee8SDxIeCH15D2GNP1","_createdAt":"2025-04-30T14:35:08Z","_updatedAt":"2025-04-30T14:35:35Z","description":"The assets or investments within a larger investment product or portfolio. For example, shares, bonds, and commodities may be underlying investments in a multi-asset fund.","title":"Underlying","id":"-0f1064cf-63ea-596e-a535-831c4dae49e0","children":[],"parent":null}}],"style":"normal"},{"_key":"e3bd9ee6ecec","_type":"block","children":[{"_key":"14bac8b5c670","_type":"span","marks":[],"text":""},{"_key":"648c01633d9c","_type":"mainAnchor","pageAnchor":{"_id":"34c4bdaa-bb71-424f-972c-c0de69e9f1df","_type":"anchorCategory","_rev":"CXeh6EomDfCPue4ojN0MNF","_createdAt":"2025-05-14T09:29:21Z","_updatedAt":"2025-05-14T09:29:26Z","AnchorName":"marketrisk","id":"-3516bf07-27ce-5856-b57a-46b05b723e4d","children":[],"parent":null}},{"_key":"f41184660529","_type":"span","marks":[],"text":"❌ Still rise and fall with the market"}],"markDefs":[],"style":"h3"},{"_key":"e295c312435d","_type":"block","children":[{"_key":"ef70c1df0055","_type":"span","marks":[],"text":"Finally, while many ETFs are passive by design, that doesn’t mean they’re completely safe or immune to market crashes. If the market an ETF tracks drops, so will your investment. You’re accepting market returns – for better or worse. ETFs are a great foundation, but they’re not a silver bullet for investment success."}],"markDefs":[],"style":"normal"},{"_key":"95b1fcdbdfe9","_type":"block","children":[{"_key":"5f0da20db839","_type":"span","marks":[],"text":""},{"_key":"764983d86d97","_type":"mainAnchor","pageAnchor":{"_id":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"anchorCategory","_rev":"ODNfCktAVb7SalDSehtwPa","_createdAt":"2023-11-30T13:26:23Z","_updatedAt":"2023-11-30T13:26:23Z","AnchorName":"topquestions","id":"-b3ad1f9b-f6b3-5caa-9a13-513a50e090fe","children":[],"parent":null}},{"_key":"81e7b973b1d5","_type":"span","marks":[],"text":"Top questions on ETFs"}],"markDefs":[],"style":"h2"},{"_key":"a181b5533fdb","_type":"block","children":[{"_key":"e98d4b06806c","_type":"span","marks":[],"text":""},{"_key":"a6126a3aa223","_type":"mainAnchor","pageAnchor":{"_id":"9f5319b0-7128-4672-9d72-529aa7f21814","_type":"anchorCategory","_rev":"o7Fe8vrgTcwme3c8NdBKIA","_createdAt":"2023-10-24T10:58:44Z","_updatedAt":"2023-10-24T10:58:44Z","AnchorName":"cost","id":"-24bb362c-7885-5466-b0de-de5c09df07de","children":[],"parent":null}},{"_key":"64cb416ca8380","_type":"span","marks":[],"text":"How much do ETFs cost?"}],"markDefs":[],"style":"h3"},{"_key":"fc122a15382d","_type":"block","children":[{"_key":"7884beb22fb0","_type":"span","marks":[],"text":"ETFs trade on stock exchanges just like individual shares, which means you buy and sell them on online investment platforms. You will often be charged a commission on each buy or sell transaction."}],"markDefs":[],"style":"normal"},{"_key":"c502aabc7234","_type":"block","children":[{"_key":"dadf564d0a4b","_type":"span","marks":[],"text":"ETFs themselves usually have an annual "},{"_key":"1443cc198b51","_type":"span","marks":["89cfe4ee3312"],"text":"management fee"},{"_key":"0156aa55050c","_type":"span","marks":[],"text":", which is typically quite low - especially for large, well-known ETFs that track broad indices. However, more niche ETFs may charge slightly higher fees due to their specific focus. "}],"markDefs":[{"_key":"89cfe4ee3312","_type":"glossaryPick","reference":{"_id":"639ead5f-b190-4b44-bc4f-805ab4d8fcf4","_type":"glossaryHover","_rev":"o7OZbxoPmY2fDdqRM0UjmK","_createdAt":"2025-04-30T13:57:59Z","_updatedAt":"2025-04-30T13:58:04Z","description":"A charge that you pay to an investment manager for their services. This is usually shown as a percentage, for example 1%, of the total amount invested per year.","title":"Management fee","id":"-4ad76d3f-eeae-59f4-93e0-0e0b850ef859","children":[],"parent":null}}],"style":"normal"},{"_key":"481a8c10a10d","_type":"block","children":[{"_key":"8658e29d1d86","_type":"span","marks":[],"text":"Another cost to consider is the "},{"_key":"253b1edbd313","_type":"span","marks":["7f92891a603e"],"text":"bid-ask spread"},{"_key":"8f784cbe584c","_type":"span","marks":[],"text":", which is the difference between the price at which a platform is willing to buy and sell the ETF – this is similar to a "},{"_key":"1ea37f15d05e","_type":"span","marks":["76b31858e487"],"text":"currency exchange"},{"_key":"45faed2a72af","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"7f92891a603e","_type":"glossaryPick","reference":{"_id":"acfdf9ca-55f2-4ccd-8aee-3201a6153b7b","_type":"glossaryHover","_rev":"kKnAee8SDxIeCH15D1XWGh","_createdAt":"2025-04-30T13:29:04Z","_updatedAt":"2025-04-30T13:29:17Z","description":"The amount by which the ask price exceeds the bid price. A low bid-ask spread is considered more desirable as it facilitates quicker and easier trades, whereas a high bid-ask spread may become an obstacle and make it more difficult to complete a trade.","title":"Bid-ask spread","id":"-58633039-0fcc-56a7-aa5e-2478a491b54d","children":[],"parent":null}},{"_key":"76b31858e487","_type":"glossaryPick","reference":{"_id":"c45b581e-8764-40ef-8780-ef02845ed5fc","_type":"glossaryHover","_rev":"lTp2d2CYb7e7Sxre7ExvKn","_createdAt":"2025-04-30T15:05:57Z","_updatedAt":"2025-04-30T15:06:33Z","description":"The market where currencies are traded. FX trading involves buying and selling currencies with the aim of profiting from fluctuations in exchange rates.","title":"Forex (FX)","id":"-e64c33de-d971-5860-8549-cf8c3a151e9f","children":[],"parent":null}}],"style":"normal"},{"_key":"7104cc654d2a","_type":"block","children":[{"_key":"a069bc4adb27","_type":"span","marks":[],"text":"In terms of "},{"_key":"2d94f54238dd","_type":"span","marks":["7648f8a791df"],"text":"transaction fees"},{"_key":"182bc4de1ace","_type":"span","marks":[],"text":", they will range from being free up to  £11.95 per trade depending on the platform you are investing on. If you’re making regular contributions to your ETF, these costs can add up over time, so it’s essential to keep an eye on fees - especially if you’re investing small amounts frequently."}],"markDefs":[{"_key":"7648f8a791df","_type":"glossaryPick","reference":{"_id":"af4eb285-d6ee-484f-89ac-d776bbfcb0c5","_type":"glossaryHover","_rev":"o7OZbxoPmY2fDdqRM0kwZm","_createdAt":"2025-04-30T14:34:34Z","_updatedAt":"2025-04-30T14:34:41Z","description":"A charge imposed by an investment platform for executing a trade within an investment account.","title":"Transaction fee","id":"-c5768d65-0159-51a9-ba25-4a846260d59d","children":[],"parent":null}}],"style":"normal"},{"_key":"6975d7bc829f","_type":"block","children":[{"_key":"2f25377ef185","_type":"span","marks":[],"text":""},{"_key":"743052052ddb","_type":"mainAnchor","pageAnchor":{"_id":"043c4d3a-e208-4710-92d6-2a77330c0be0","_type":"anchorCategory","_rev":"0NJjTrm5avhiYXMIjYEtSL","_createdAt":"2024-07-23T13:30:25Z","_updatedAt":"2024-07-23T13:30:25Z","AnchorName":"activevspassive","id":"-1c0da859-d526-5c11-9186-60b42f3c54c6","children":[],"parent":null}},{"_key":"6348fbed8524","_type":"span","marks":[],"text":"Active vs passive ETFs"}],"markDefs":[],"style":"h3"},{"_key":"71cf2ab6ddd4","_type":"mainImage","asset":{"_id":"image-7ca3e9317480168a1de35cfa1a4a9b3f6249f78e-1920x1080-png","_type":"sanity.imageAsset","_rev":"6GQVMObKpWvjCX4LMzZSKq","_createdAt":"2025-05-14T10:56:44Z","_updatedAt":"2025-05-14T10:56:44Z","assetId":"7ca3e9317480168a1de35cfa1a4a9b3f6249f78e","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"MKQ9+UtmXlaK~WDiS%XRs+xbxXW=W;oJV[","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.7777777777777777,"height":1080,"width":1920},"hasAlpha":false,"isOpaque":true,"lqip":"data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABQAAAALCAIAAADwazoUAAAACXBIWXMAAA7EAAAOxAGVKw4bAAACT0lEQVR4nC2PyW7TUAAA/Vm58glckLhxgzM3LiAEYpF64lBaVKBN1QapTVup0EBKSLM4dhav8f68xNt7zuLY8XpFLXzAaGawIkNx7HhQBeZU0VkFsIrOWY4UIr2wlMKSQ5e31T+m1HRAJ5iRS5+OFnIW22UGMRTovMpcE+2jy/purbpTq9Z+nLeItjnEs3ojPfluNg/6tceNnftXuw8be49+7T/B689k8jBwWcyYiT2qX7++2j6uvv+0vbW38+XsW6PTBJ12Vr1Ivp5oFx9bnx+cvq0cv6ocvKjsP6+cvrvXrj1V2Aa2WlmqzuHjXqt3/bvbbOOtwbjL8kNPZtPJJB2PXK7D4YfEzw+9y62b8zetk5eds9ccfuTbNFZk0HMVnhuxDMkyJEMTLEPy3MgAfDQ3N8uZMxMFfsjSOD3pTkY31Kgt8gPkq3nqY3kKfVeVJVqcTujJYEh0OWYoCpSpT6O1HUeOoU/Hoz4x6A7JHkn0hmRfFKjF3CxyhBUZWoezAALPkVWZUWQGelq4tKLQzhI/Cm0D8AxF0BQh8GNZpGSRMgC/XJhFBrEyR/Hahp5qGYKpCwEESewVGSxzVOYoiV3PUWSRkgRKB7xry9BXV0srTbzyzgzDpaUDXpiOFYlxZtIiMOK1nad+maN04/muIk4nPDuSBEqRaE1loacmG/cW/me2LUmVGU1hDMD7rhqF/+Es8ZCvaQqrSIymsLdfEm0Z03Bl/c/OEn+1sJAPkK/NEbgjYZndZucpXK9mc6QHUF8E+hwB5IM50jeRU+bwLwtlIQ2kFHBXAAAAAElFTkSuQmCC","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#63543c","foreground":"#fff","population":0.92,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#92600a","foreground":"#fff","population":0.35,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#ed2d61","foreground":"#fff","population":1.04,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#caa6b3","foreground":"#000","population":0.23,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#fc649c","foreground":"#000","population":0.01,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#b39151","foreground":"#fff","population":0.28,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#ed2d61","foreground":"#fff","population":1.04,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"Images - DataCharts (2).png","path":"images/k8qzcdw3/prod1503/7ca3e9317480168a1de35cfa1a4a9b3f6249f78e-1920x1080.png","sha1hash":"7ca3e9317480168a1de35cfa1a4a9b3f6249f78e","size":607481,"uploadId":"nfcGsXMQ4j06qg7L6PUjklsKEFHDk6vL","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/7ca3e9317480168a1de35cfa1a4a9b3f6249f78e-1920x1080.png","filename":"Images - DataCharts (2).png","width":1920,"height":1080,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/7ca3e9317480168a1de35cfa1a4a9b3f6249f78e-1920x1080.png?rect=600,0,720,1080&w=%width%&h=%height%&q=80","id":"image-7ca3e9317480168a1de35cfa1a4a9b3f6249f78e-1920x1080-png","children":[],"parent":null},"blankAltTag":true},{"_key":"397cdc9d2c24","_type":"block","children":[{"_key":"afae1c0135fa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ef4fc8c4ec3","_type":"block","children":[{"_key":"80803ed8ed2d","_type":"span","marks":[],"text":"The active vs passive debate is central to investing in ETFs. "}],"markDefs":[],"style":"normal"},{"_key":"fcc7ca1029b0","_type":"block","children":[{"_key":"d36caa331723","_type":"span","marks":[],"text":"A passive ETF tracks an index and aims to mirror its performance. This type of fund is cost-effective because there’s no need for an active fund manager to make investment decisions. While you won’t outperform the market, you’ll capture its returns at a low cost. Passive ETFs are great for investors who prefer a hands-off approach, and they provide broad exposure to various markets. However, you may end up owning companies or sectors that are underperforming."}],"markDefs":[],"style":"normal"},{"_key":"39b56cc28e27","_type":"block","children":[{"_key":"45bf65d5b435","_type":"span","marks":[],"text":"On the other hand, active ETFs involve fund managers selecting stocks with the goal of outperforming the index. These ETFs typically come with higher fees, as you're paying for the expertise of the manager. However, they could deliver higher returns if the manager makes smart picks. One thing to note: active managers often closely track the index to reduce risk, meaning their performance may not actually differ much from a passive strategy."}],"markDefs":[],"style":"normal"},{"_key":"3919761790f3","_type":"block","children":[{"_key":"6802e895452b","_type":"span","marks":[],"text":"If you're drawn to"},{"_key":"1222aa85e45a","_type":"span","marks":["df5690228e1c"],"text":" sustainable investing"},{"_key":"86b8927a6d8d","_type":"span","marks":[],"text":", active managers often have more flexibility to incorporate "},{"_key":"3487e95a3dc6","_type":"span","marks":["eae5e5481ca8"],"text":"environmental, social, and governance (ESG) "},{"_key":"8eba70cf1f85","_type":"span","marks":[],"text":"criteria into their investment decisions. So active ETFs may be a better option for investors who want to tailor their portfolios to specific values."}],"markDefs":[{"_key":"df5690228e1c","_type":"internalLinkPick","reference":{"_id":"2635d13e-e79d-414d-80f5-86b565565227","_type":"information","_rev":"lF55JVsFs3uPb7KanGHpJD","_createdAt":"2024-10-29T15:05:46Z","_updatedAt":"2025-06-26T15:38:17Z","_system":{"base":{"id":"2635d13e-e79d-414d-80f5-86b565565227","rev":"lF55JVsFs3uPb7KanG2weU"}},"authors":[{"_key":"87ce37373850","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"4fd9e6eb65c2","_type":"block","children":[{"_key":"dd08183df93a","_type":"span","marks":[],"text":"By"},{"_key":"bb9f7d1abb95","_type":"span","marks":["strong"],"text":" Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"50efcefe879b","_type":"block","children":[{"_key":"21019904493c0","_type":"span","marks":["strong"],"text":"Want to make money and do good at the same time? Welcome to sustainable investing. This no-nonsense guide covers the essentials - from ESG to SRI to impact investing. Learn how to spot greenwashing, manage higher fees, and align your portfolio with your values, without the faff."}],"markDefs":[],"style":"normal"},{"_key":"23d9240b7df6","_type":"block","children":[{"_key":"67a42f67f160","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a9d2a84add6f","_type":"mainImage","asset":{"_ref":"image-97fbb86b94227290429e6d7c20aaec1e655f0c16-1920x1080-png","_type":"reference"},"blankAltTag":true},{"_key":"40d1706e3549","_type":"block","children":[{"_key":"7311f46b01e8","_type":"span","marks":[],"text":""},{"_key":"d931376f93b2","_type":"mainAnchor","pageAnchor":{"_ref":"d44bb50f-f805-4102-9583-29d4a0b844ac","_type":"reference"}},{"_key":"f2bb9de497ce0","_type":"span","marks":[],"text":"What is sustainable investing?"}],"markDefs":[],"style":"h2"},{"_key":"2e869cb03141","_type":"block","children":[{"_key":"c469f198f89b0","_type":"span","marks":[],"text":"The basic idea behind sustainable investing is to find investments that don't just chase profits, but also consider their social and environmental responsibilities. It's about finding companies that are trying to be a force for good, not just making a quick buck."}],"markDefs":[],"style":"normal"},{"_key":"bcfd8fccfd8d","_type":"block","children":[{"_key":"77185272a4030","_type":"span","marks":[],"text":"Think of it as being picky about where your money goes, just like you might be picky about where your food comes from. "}],"markDefs":[],"style":"normal"},{"_key":"ccc869d20693","_type":"block","children":[{"_key":"505300bf2d74","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5396efad317d","_type":"prosConsWidget","pros":["Fighting climate change (solar power, electric cars, carbon capture)","Treating their workers fairly (good pay, safe conditions, proper benefits)","Having diverse leadership teams (not just the same old faces in suits!) ","Being transparent about how they operate (no dodgy dealings in the shadows) ","Supporting local communities (not just taking the money and running) "],"prosTitle":"Sustainable companies might be:"},{"_key":"4ef254012a05","_type":"block","children":[{"_key":"8ab3af6625c8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7476f990b332","_type":"block","children":[{"_key":"4f71229a37f2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c70788e42e3e","_type":"block","children":[{"_key":"36a16bf9af270","_type":"span","marks":[],"text":"Sustainable investing comes in many flavours. You might hear people call it “ESG investing”, “ethical investing”, “responsible investing” or even “green investing”. Same overarching idea, but some subtle differences which we’ll cover later in this guide."}],"markDefs":[],"style":"normal"},{"_key":"2641ee9cb924","_type":"block","children":[{"_key":"ad29cafd4807","_type":"span","marks":[],"text":""},{"_key":"aa1362d36ca2","_type":"mainAnchor","pageAnchor":{"_ref":"77404432-0dd3-4897-a08e-ebdcc9e4a135","_type":"reference"}},{"_key":"55b077226dbc0","_type":"span","marks":[],"text":"How does sustainable investing work?"}],"markDefs":[],"style":"h2"},{"_key":"2b00bbfe1b23","_type":"block","children":[{"_key":"879139ebeae30","_type":"span","marks":[],"text":"When putting money into a sustainable investment "},{"_key":"0c86c2b485c0","_type":"span","marks":["2fee3a4c90bb"],"text":"stock"},{"_key":"11872614fad3","_type":"span","marks":[],"text":" or "},{"_key":"6a1099a529e2","_type":"span","marks":["9eb137ad2bba"],"text":"fund"},{"_key":"96ef2645e02b","_type":"span","marks":[],"text":", you might be looking for companies that tick certain boxes. For example, some common areas of interest for sustainable investors are:"}],"markDefs":[{"_key":"2fee3a4c90bb","_type":"glossaryPick","reference":{"_ref":"8d6a1c1c-dff0-4e47-bfdd-3750fc95e921","_type":"reference"}},{"_key":"9eb137ad2bba","_type":"glossaryPick","reference":{"_ref":"18e00366-dfcb-4186-8d35-7d6abf19fde7","_type":"reference"}}],"style":"normal"},{"_key":"53db8ae24687","_type":"block","children":[{"_key":"f440d94bbb78","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7785eb68c0ec","_type":"prosConsWidget","pros":["Reducing carbon emissions ","Using renewable energy ","Managing waste properly ","Protecting biodiversity "],"prosTitle":"Good environmental practices"},{"_key":"789c2458eb45","_type":"block","children":[{"_key":"99567abe96fa0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"70776d467ab6","_type":"prosConsWidget","pros":["Living wages ","Safe working conditions ","Equal opportunities ","Supporting local projects "],"prosTitle":"Fair treatment of employees and communities "},{"_key":"041ef209854e","_type":"block","children":[{"_key":"3f4f8ee47293","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a0387cebdb54","_type":"prosConsWidget","pros":["Clear reporting ","Fair executives’ pay","Anti-corruption measures ","Diverse boards "],"prosTitle":"Proper management and transparency "},{"_key":"70e6f888ce45","_type":"block","children":[{"_key":"6ed27ec2f2950","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"827dba60408f","_type":"prosConsWidget","cons":["Weapons and military contracts","Tobacco and harmful substances","Fossil fuels and heavy polluters","Companies with dodgy human rights records","Gambling operations","Companies testing on animals (unless for essential medical research)"],"consTitle":"Sustainable investments will usually avoid companies involved in:"},{"_key":"f1d2c73856fd","_type":"block","children":[{"_key":"c5e6d787cc82","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2e346a4870a1","_type":"block","children":[{"_key":"7a015b451465","_type":"span","marks":[],"text":""},{"_key":"6be846562830","_type":"mainAnchor","pageAnchor":{"_ref":"371386f1-38e1-42ee-91b4-709f66ab1915","_type":"reference"}},{"_key":"c23c5777636e0","_type":"span","marks":[],"text":"Three main approaches to sustainable investing"}],"markDefs":[],"style":"h2"},{"_key":"3d26125f7298","_type":"block","children":[{"_key":"b5154c53116b","_type":"span","marks":[],"text":""},{"_key":"52f155bdaf1e","_type":"mainAnchor","pageAnchor":{"_ref":"87710ddc-e539-4e34-9125-e05db1ae2028","_type":"reference"}},{"_key":"3c5ae8de6130","_type":"span","marks":[],"text":"💯 ESG investing"}],"markDefs":[],"style":"h3"},{"_key":"2986167000b4","_type":"block","children":[{"_key":"1f7e82770a34","_type":"span","marks":[],"text":"ESG investing focuses on a company's Environmental (how they treat the planet), Social (how they treat people), and Governance (how they run their business) practices."}],"markDefs":[],"style":"normal"},{"_key":"f87e87648feb","_type":"block","children":[{"_key":"57f031da67bb","_type":"span","marks":[],"text":"It considers factors beyond just financial performance, such as the company's environmental footprint, treatment of workers, and corporate leadership. The goal is to invest in companies that are responsibly managing their impact on the world."}],"markDefs":[],"style":"normal"},{"_key":"e4cd0923768b","_type":"block","children":[{"_key":"fd55028a9b78","_type":"span","marks":[],"text":"Think of it as a company report card for being decent. Some companies ace all three, others... not so much!"}],"markDefs":[],"style":"normal"},{"_key":"1e9f4bc79627","_type":"block","children":[{"_key":"3b5f50fa242b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1536346830d8","_type":"blockQuote","adviserName":"Haydon Waldek","jobTitle":"Founder & Chartered Financial Planner, Good Green Money","photo":{"_type":"mainImage","alt":"Haydon Waldek on ESG investing","asset":{"_ref":"image-ed6380510f5d4315ceb2a49be749410b4a8df1b0-500x517-jpg","_type":"reference"},"blankAltTag":true},"quote":[{"_key":"c81be2b876b5","_type":"block","children":[{"_key":"1b3e741ecae10","_type":"span","marks":[],"text":"ESG investing has a wide remit. One that can be, if not carefully managed, too much of a ‘jack of all trades’! "}],"markDefs":[],"style":"normal"},{"_key":"cbf8f472fee3","_type":"block","children":[{"_key":"0c4ba91b6f2a","_type":"span","marks":[],"text":"Investing in businesses that not only consider their environmental impact, that are socially responsible, whilst simultaneously integrating great governance throughout, definitely appeals to my clients, and if done well can form the backbone of a decent investment strategy. But the occasional need for compromise by investing in a business which is strong in one ESG area but weak in another can sometimes result in questionable investments being made. "}],"markDefs":[],"style":"normal"},{"_key":"f77f7a657e9b","_type":"block","children":[{"_key":"8557c79e58b5","_type":"span","marks":[],"text":"Would you want an investment in a green business that exploits its workers, for example? We still welcome and promote ESG funds, but they frequently need the most attention to make sure they remain right for our clients."}],"markDefs":[],"style":"normal"}]},{"_key":"ffe338638ce5","_type":"block","children":[{"_key":"761190de5e2d","_type":"span","marks":[],"text":""},{"_key":"95fbb74e9333","_type":"mainAnchor","pageAnchor":{"_ref":"4531436b-3f80-4dde-9f7d-4fd11a74b985","_type":"reference"}},{"_key":"c817b2f1ac50","_type":"span","marks":[],"text":"🚫 SRI investing"}],"markDefs":[],"style":"h3"},{"_key":"ccbe738019b7","_type":"block","children":[{"_key":"94eb1a7964f7","_type":"span","marks":[],"text":"SRI – or Socially Responsible Investing – is a method of sustainable investing which involves cutting out certain companies and sectors. A bit like having a “naughty list” of firms that won’t get your money."}],"markDefs":[],"style":"normal"},{"_key":"ec205a00e8c2","_type":"block","children":[{"_key":"c3e50f9279df","_type":"span","marks":[],"text":"This could mean excluding sectors like weapons, tobacco or fossil fuels. The aim is to build an investment portfolio that reflects the investor's personal beliefs and principles, not just maximise returns."}],"markDefs":[],"style":"normal"},{"_key":"21b49cd68877","_type":"block","children":[{"_key":"373a113fcd49","_type":"span","marks":[],"text":"It’s typically stricter than ESG investing and can mean missing out on some profitable sectors, such as energy. It could be a good fit for you if you have strong principles about certain industries and don’t mind missing out on potentially lucrative investments to stick to what you believe in."}],"markDefs":[],"style":"normal"},{"_key":"5c99dd2af18f","_type":"block","children":[{"_key":"48c920258adc","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9fab9626c350","_type":"blockQuote","adviserName":"Haydon Waldek","jobTitle":"Founder & Chartered Financial Planner, Good Green Money","photo":{"_type":"mainImage","alt":"Haydon Waldek on SRI investing","asset":{"_ref":"image-ed6380510f5d4315ceb2a49be749410b4a8df1b0-500x517-jpg","_type":"reference"},"blankAltTag":true},"quote":[{"_key":"1c08a5823386","_type":"block","children":[{"_key":"067c119ce0360","_type":"span","marks":[],"text":"The clue to Socially Responsible Investing is in the name: this was borne from a desire to avoid entities that harmed people and society long before environmental impacts were considered or even realised. "}],"markDefs":[],"style":"normal"},{"_key":"b052f55a86f3","_type":"block","children":[{"_key":"d45825b5bc34","_type":"span","marks":[],"text":"It has roots that go back centuries, and has evolved from avoiding people exploitation and harm (slavery, tobacco and weapons, for example) to nowadays encompassing positive traits, so perhaps social housing investment or community consideration. "}],"markDefs":[],"style":"normal"},{"_key":"0f8d1c02e6ef","_type":"block","children":[{"_key":"af163ebd0694","_type":"span","marks":[],"text":"At Good Green Money, SRI investing often attracts medical professionals who are, understandably, very people-oriented: they in particular see the merits of this type of investing."}],"markDefs":[],"style":"normal"}]},{"_key":"8909bced98ae","_type":"block","children":[{"_key":"ac1c83ad4cd5","_type":"span","marks":[],"text":""},{"_key":"22af99c376f6","_type":"mainAnchor","pageAnchor":{"_ref":"032ca2ad-fed1-4e7e-9749-ed92b18fe44e","_type":"reference"}},{"_key":"d8c9ebc0d773","_type":"span","marks":[],"text":"🌱 Impact investing"}],"markDefs":[],"style":"h3"},{"_key":"f56ff18c747d","_type":"block","children":[{"_key":"f79078168e51","_type":"span","marks":[],"text":"Impact investing is similar to ESG investing but with a specific focus on achieving measurable social and environmental benefits while also generating financial returns."}],"markDefs":[],"style":"normal"},{"_key":"cb03fd16ab41","_type":"block","children":[{"_key":"2ff91e149ed8","_type":"span","marks":[],"text":"The goal is to direct capital towards solutions that address global challenges, such as affordable housing, renewable energy, healthcare innovation or education technology. This way, impact investors channel their money into projects which are both positive and profitable."}],"markDefs":[],"style":"normal"},{"_key":"78d7d6178296","_type":"block","children":[{"_key":"4b0715922e23","_type":"span","marks":[],"text":"Impact investing tends to be more focused on specific, trackable goals, but can be seen as a riskier investment strategy as it can involve exposure to newer, less-established industries."}],"markDefs":[],"style":"normal"},{"_key":"126976ea891f","_type":"block","children":[{"_key":"2c95c94c9c6b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"615a809aff4c","_type":"blockQuote","adviserName":"Haydon Waldek","jobTitle":"Founder & Chartered Financial Planner, Good Green Money","photo":{"_type":"mainImage","alt":"Haydon Waldek on impact investing","asset":{"_ref":"image-ed6380510f5d4315ceb2a49be749410b4a8df1b0-500x517-jpg","_type":"reference"},"blankAltTag":true},"quote":[{"_key":"7eb62a2f5974","_type":"block","children":[{"_key":"478a542690c70","_type":"span","marks":[],"text":"Impact investing is a relatively new phenomenon, and could be viewed as a purer, more hard-hitting derivative of wider ethical investing approaches. Investee businesses can’t just avoid certain areas or merely balance their regular practices with social and environmental considerations - they have to do more. There has to be defined, measurable positive impacts at play."}],"markDefs":[],"style":"normal"}]},{"_key":"b6897b742089","_type":"block","children":[{"_key":"c21b1dab047e","_type":"span","marks":[],"text":""},{"_key":"6c6cdcbf8fd1","_type":"mainAnchor","pageAnchor":{"_ref":"3e112f22-0774-45d2-92fa-b800b7cb37f0","_type":"reference"}},{"_key":"78383514d827","_type":"span","marks":[],"text":"ESG vs SRI vs Impact"}],"markDefs":[],"style":"h3"},{"_key":"66d537df8b1e","_type":"tableControl","rows":[{"_key":"dc74f0590d4a","_type":"row","cells":[{"_key":"0e7f719a62da","_type":"cell","tableStyle":"DB","value":[{"_key":"c68acab1ac95","_type":"block","children":[{"_key":"cf1fb175a0aa","_type":"span","marks":["strong"],"text":"Approach"}],"markDefs":[],"style":"normal"}]},{"_key":"34594488fb90","_type":"cell","tableStyle":"DB","value":[{"_key":"8f3485ec3410","_type":"block","children":[{"_key":"99638ef280c0","_type":"span","marks":["strong"],"text":"ESG investing"}],"markDefs":[],"style":"normal"}]},{"_key":"6477be4249ba","_type":"cell","tableStyle":"DB","value":[{"_key":"fb9fdbf4c7fb","_type":"block","children":[{"_key":"9ec9f13355fb","_type":"span","marks":["strong"],"text":"SRI investing"}],"markDefs":[],"style":"normal"}]},{"_key":"6e52e3a4ceb6","_type":"cell","tableStyle":"DB","value":[{"_key":"09c2402a0646","_type":"block","children":[{"_key":"aedf0dfbe2e4","_type":"span","marks":["strong"],"text":"Impact investing"}],"markDefs":[],"style":"normal"}]}]},{"_key":"cdc75264b77b","_type":"row","cells":[{"_key":"371b0d3ece02","_type":"cell","tableStyle":"W","value":[{"_key":"3e094f154c03","_type":"block","children":[{"_key":"0430feea196d","_type":"span","marks":["strong"],"text":"Focus"}],"markDefs":[],"style":"normal"}]},{"_key":"f5aada394fd2","_type":"cell","tableStyle":"W","value":[{"_key":"ed2f57d69c87","_type":"block","children":[{"_key":"febc07efc16b0","_type":"span","marks":[],"text":"Evaluates companies based on environmental, social, and governance criteria"}],"markDefs":[],"style":"normal"}]},{"_key":"b3eccba875db","_type":"cell","tableStyle":"W","value":[{"_key":"f5a443551eb9","_type":"block","children":[{"_key":"b0bdcf03067c0","_type":"span","marks":[],"text":"Actively avoids investing in certain industries or companies based on ethical standards"}],"markDefs":[],"style":"normal"}]},{"_key":"9132914e598f","_type":"cell","tableStyle":"W","value":[{"_key":"706fdaf7b3a5","_type":"block","children":[{"_key":"ff868ab9437e0","_type":"span","marks":[],"text":"Targets investments that generate measurable social and environmental benefits"}],"markDefs":[],"style":"normal"}]}]},{"_key":"c1f94942f9aa","_type":"row","cells":[{"_key":"1df68b502cfd","_type":"cell","tableStyle":"W","value":[{"_key":"80202a009af7","_type":"block","children":[{"_key":"cb16e0a04b770","_type":"span","marks":["strong"],"text":"Financial Objectives"}],"markDefs":[],"style":"normal"}]},{"_key":"b4f938933514","_type":"cell","tableStyle":"W","value":[{"_key":"fc4fe6175a1c","_type":"block","children":[{"_key":"73f79243b4230","_type":"span","marks":[],"text":"Competitive returns + ESG"}],"markDefs":[],"style":"normal"}]},{"_key":"b6ceca67e888","_type":"cell","tableStyle":"W","value":[{"_key":"adc626d5cee9","_type":"block","children":[{"_key":"24d3b03399790","_type":"span","marks":[],"text":"May sacrifice returns to uphold values"}],"markDefs":[],"style":"normal"}]},{"_key":"d443ffec72f0","_type":"cell","tableStyle":"W","value":[{"_key":"79951b17c378","_type":"block","children":[{"_key":"3a9ebc22dadf0","_type":"span","marks":[],"text":"Impact primary, returns secondary"}],"markDefs":[],"style":"normal"}]}]},{"_key":"df13bcb27e0f","_type":"row","cells":[{"_key":"7f3927a8bf33","_type":"cell","tableStyle":"W","value":[{"_key":"60c51ba4256f","_type":"block","children":[{"_key":"3f234d7f229b0","_type":"span","marks":["strong"],"text":"Investment Universe"}],"markDefs":[],"style":"normal"}]},{"_key":"9258f9530479","_type":"cell","tableStyle":"W","value":[{"_key":"ead748dd2eb9","_type":"block","children":[{"_key":"0577fe1930710","_type":"span","marks":[],"text":"Broad public companies"}],"markDefs":[],"style":"normal"}]},{"_key":"e847b35311c1","_type":"cell","tableStyle":"W","value":[{"_key":"77816079bf49","_type":"block","children":[{"_key":"7d8f919cd0d20","_type":"span","marks":[],"text":"Narrower universe"}],"markDefs":[],"style":"normal"}]},{"_key":"b98fa2234832","_type":"cell","tableStyle":"W","value":[{"_key":"0c4256782ae5","_type":"block","children":[{"_key":"957088c986530","_type":"span","marks":[],"text":"Mix of public and private"}],"markDefs":[],"style":"normal"}]}]},{"_key":"ae91f7bd9f68","_type":"row","cells":[{"_key":"3aa507ae7158","_type":"cell","tableStyle":"W","value":[{"_key":"b5ff4d36d28e","_type":"block","children":[{"_key":"39f0a53216090","_type":"span","marks":["strong"],"text":"Impact Measurement"}],"markDefs":[],"style":"normal"}]},{"_key":"ef04a86fd195","_type":"cell","tableStyle":"W","value":[{"_key":"a528f5eef6bb","_type":"block","children":[{"_key":"5a67163920fb0","_type":"span","marks":[],"text":"Measures against ESG metrics"}],"markDefs":[],"style":"normal"}]},{"_key":"1e354d568bd0","_type":"cell","tableStyle":"W","value":[{"_key":"eb1bf5ad5c84","_type":"block","children":[{"_key":"dffd0abc0a060","_type":"span","marks":[],"text":"Difficult to measure"}],"markDefs":[],"style":"normal"}]},{"_key":"8a4e69500067","_type":"cell","tableStyle":"W","value":[{"_key":"fe01f8cb49fd","_type":"block","children":[{"_key":"94b8abb93e7e0","_type":"span","marks":[],"text":"Rigorous impact tracking"}],"markDefs":[],"style":"normal"}]}]},{"_key":"166e38531d97","_type":"row","cells":[{"_key":"cf5ce1e2291d","_type":"cell","tableStyle":"W","value":[{"_key":"b6d0e9726ddf","_type":"block","children":[{"_key":"d0b5031da9dd0","_type":"span","marks":["strong"],"text":"Risk Profile"}],"markDefs":[],"style":"normal"}]},{"_key":"251822fca9be","_type":"cell","tableStyle":"W","value":[{"_key":"ac4bb6ad8c76","_type":"block","children":[{"_key":"143ad541173e0","_type":"span","marks":[],"text":"Similar to conventional"}],"markDefs":[],"style":"normal"}]},{"_key":"9ad7b7d3ac72","_type":"cell","tableStyle":"W","value":[{"_key":"008e583b01db","_type":"block","children":[{"_key":"c5b36a17dbb10","_type":"span","marks":[],"text":"Higher risk due to exclusions"}],"markDefs":[],"style":"normal"}]},{"_key":"3cf5bfcecdf4","_type":"cell","tableStyle":"W","value":[{"_key":"8b38f71e2342","_type":"block","children":[{"_key":"4159eb50a0150","_type":"span","marks":[],"text":"Higher risk, exposed to new industries"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB"},{"_key":"9a9f1fc86658","_type":"block","children":[{"_key":"ba73e6259f17","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"11f5a47367dd","_type":"block","children":[{"_key":"ae6eebb58098","_type":"span","marks":[],"text":""},{"_key":"1edf0eb92757","_type":"mainAnchor","pageAnchor":{"_ref":"de628c90-350b-4856-8e0a-6b0aeb40a893","_type":"reference"}},{"_key":"2a6a75b76fb60","_type":"span","marks":[],"text":"Three facts about sustainable investing"}],"markDefs":[],"style":"h2"},{"_key":"d6624822d1a6","_type":"block","children":[{"_key":"1e1424386ca0","_type":"span","marks":[],"text":"1. Sustainable funds have underperformed the market in recent years"}],"markDefs":[],"style":"h3"},{"_key":"8f251ee54e55","_type":"block","children":[{"_key":"33e275b8500b","_type":"span","marks":[],"text":"Sustainable funds lagged their conventional peers in total returns in 2024, with Morgan Stanley reporting median returns of just 0.4% in H2, compared to traditional funds’ 1.7%.[1] However, the same report emphasises that sustainable funds actually drummed up better returns over a longer period:"}],"markDefs":[],"style":"normal"},{"_key":"1cd355817f00","_type":"block","children":[{"_key":"9d17c932e056","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c562a77b9653","_type":"blockQuote","adviserName":"Morgan Stanley","jobTitle":"March 2025","photo":{"_type":"mainImage","blankAltTag":true},"quote":[{"_key":"2a98245cfbcf","_type":"block","children":[{"_key":"b0e5699c5651","_type":"span","marks":[],"text":"Over a longer period, sustainable funds have outperformed traditional funds. Institute analysis of Morningstar data found that investing a hypothetical $100 into a sustainable fund in December 2018 would equate to $136 today, while investing $100 into a traditional fund over the same period would equate to $131 today."}],"markDefs":[],"style":"normal"}]},{"_key":"4695aa23f262","_type":"block","children":[{"_key":"382d28547a90","_type":"span","marks":[],"text":"2. Companies with good ESG scores often have lower borrowing costs"}],"markDefs":[],"style":"h3"},{"_key":"20a73b1324c2","_type":"block","children":[{"_key":"95ab69ed4df50","_type":"span","marks":[],"text":"This is because as the Governance standard - one of the main pillars of ESG - is “known to reduce a firm's default risk, which directly impacts its cost of debt”.[2]"}],"markDefs":[],"style":"normal"},{"_key":"10e280bcd6d6","_type":"block","children":[{"_key":"bd69c3b0c9fe","_type":"span","marks":[],"text":"3. Sustainable products are growing in popularity"}],"markDefs":[],"style":"h3"},{"_key":"cc35bd76557a","_type":"block","children":[{"_key":"558b3f381b9e0","_type":"span","marks":[],"text":"Sustainable investing has grown in popularity over the last decade and has remained attractive even in the face of a tough economic environment. A 2024 survey by PwC found that consumers “are willing to spend an average of 9.7% more on sustainably produced or sourced goods, even as cost-of-living and inflationary concerns weigh”. [3]"}],"markDefs":[],"style":"normal"},{"_key":"0e6692d5322c","_type":"block","children":[{"_key":"12f8576f17f7","_type":"span","marks":[],"text":""},{"_key":"e970c3ed4014","_type":"mainAnchor","pageAnchor":{"_ref":"bc557b4c-2d9c-452a-8c75-9ee58efaeb76","_type":"reference"}},{"_key":"6ccd7aeeaa3f0","_type":"span","marks":[],"text":"Can you make money investing sustainably?"}],"markDefs":[],"style":"h2"},{"_key":"060df401877c","_type":"block","children":[{"_key":"bf66f31b97150","_type":"span","marks":[],"text":"Let's tackle the elephant in the room - returns."}],"markDefs":[],"style":"normal"},{"_key":"44daeb04f8b1","_type":"block","children":[{"_key":"017281fcfed30","_type":"span","marks":[],"text":"The short answer:"}],"markDefs":[],"style":"h4"},{"_key":"04034ebdb70d","_type":"block","children":[{"_key":"de8662c3d1450","_type":"span","marks":[],"text":"You can. But just like any way, shape or form of investing, your capital is not guaranteed, and you could end up losing money as well as making it. Sustainable investing is no different."}],"markDefs":[],"style":"normal"},{"_key":"76b611ea71d9","_type":"block","children":[{"_key":"f03639ab358e0","_type":"span","marks":[],"text":"The longer answer:"}],"markDefs":[],"style":"h4"},{"_key":"c02b93387f6f","_type":"block","children":[{"_key":"fce235678aec0","_type":"span","marks":[],"text":"Many sustainable stocks and funds perform just as well as traditional ones. Some even do better. Think about it - companies that plan for climate change and treat their workers well are often better prepared for the future. They're less likely to get hit with massive fines or face worker strikes."}],"markDefs":[],"style":"normal"},{"_key":"fac65e409a9d","_type":"block","children":[{"_key":"106c3b832df6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"37fc07ea960a","_type":"blockQuote","adviserLink":{"_ref":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","_type":"reference"},"adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","alt":"Holly Mackay on sustainable investing","asset":{"_ref":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png","_type":"reference"},"blankAltTag":true},"quote":[{"_key":"cd140ab30663","_type":"block","children":[{"_key":"2a38a7486fa9","_type":"span","marks":[],"text":"Once upon a time, investing 'sustainably' used to mean we’d typically make a bit less money. Back in the 1980s, oil and cigarette firms were powerful money-making machines. However today it’s a different story."}],"markDefs":[],"style":"normal"},{"_key":"fa7658dc8f79","_type":"block","children":[{"_key":"f9e8198741a8","_type":"span","marks":[],"text":"Although short-term political events cause havoc with oil prices (we’re talking Russia’s invasion of the Ukraine here, for example), if we look longer-term, there is a wall of policy-fuelled money backing climate transition. "}],"markDefs":[],"style":"normal"},{"_key":"2b99441ed389","_type":"block","children":[{"_key":"ca766a125289","_type":"span","marks":[],"text":"Large companies have seen the risks of treating workforces poorly, and shoddy corporate governance has brought down some major companies. So ESG-factors are powerful financial drivers."}],"markDefs":[],"style":"normal"}]},{"_key":"ca49a31af9d0","_type":"block","children":[{"_key":"a7a02ba9dee6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"703eba4f1c32","_type":"block","children":[{"_key":"1863ee56879f0","_type":"span","marks":[],"text":"Equally, sustainable stocks or funds can actually leave you more vulnerable to price volatility, as they may have exposure to younger, less established companies or ones operating in less developed countries. It really depends on exactly what you’re investing in."}],"markDefs":[],"style":"normal"},{"_key":"b18555054a30","_type":"block","children":[{"_key":"5b73740b90fd","_type":"span","marks":[],"text":""},{"_key":"5428b1275953","_type":"mainAnchor","pageAnchor":{"_ref":"4d792b1a-0a71-4341-aa8b-b90f7917e7ac","_type":"reference"}},{"_key":"76fd92b64a76","_type":"span","marks":[],"text":"Sustainable vs non-sustainable equities performance"}],"markDefs":[],"style":"h3"},{"_key":"1eb90a6883d0","_type":"block","children":[{"_key":"7fbb1fe6d1f9","_type":"span","marks":[],"text":"The graph below shows the performance of a single £1,000 investment in a global sustainable-focused equity index compared to a comparable non-sustainable equity index - the MSCI ACWI Sustainable Development versus the MSCI ACWI - from 2020 to present."}],"markDefs":[],"style":"normal"},{"_key":"0aaae6f3bd8b","_type":"block","children":[{"_key":"7bebbf9f6515","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"76ea56fc7efe","_type":"frameWidget","href":"https://www.canva.com/design/DAGrdSjorCU/7miEu3nr8h1esn8dt3mQiA/view?embed"},{"_key":"0da7299346b2","_type":"block","children":[{"_key":"d32625eca01f","_type":"span","marks":["em"],"text":"Source: FE FundInfo. Correct as at June 2025."}],"markDefs":[],"style":"small"},{"_key":"18397e171599","_type":"block","children":[{"_key":"15b22d2209e0","_type":"span","marks":[],"text":""},{"_key":"74cf99708481","_type":"mainAnchor","pageAnchor":{"_ref":"5cf9eb6b-3103-496e-9fd8-6533a7b6bf3b","_type":"reference"}},{"_key":"54d3d3212d0b0","_type":"span","marks":[],"text":"What to watch out for with sustainable investing"}],"markDefs":[],"style":"h2"},{"_key":"e40d0522263b","_type":"block","children":[{"_key":"2a7b37a67e820","_type":"span","marks":[],"text":"Sustainable investing is still a developing area and for many will be a new or unfamiliar concept. There are some things worth bearing in mind if it’s your first time incorporating a little green into your portfolio, so here are two issues to be aware of:"}],"markDefs":[],"style":"normal"},{"_key":"9e078321de0f","_type":"block","children":[{"_key":"b986df763bfe","_type":"span","marks":[],"text":""},{"_key":"59c034088bce","_type":"mainAnchor","pageAnchor":{"_ref":"2dd75c3f-ef53-4477-8b4e-ad9502cd5d5b","_type":"reference"}},{"_key":"1d6b118744780","_type":"span","marks":[],"text":"🚩 Greenwashing"}],"markDefs":[],"style":"h3"},{"_key":"b27550744c59","_type":"block","children":[{"_key":"98bd6fbedb6f0","_type":"span","marks":[],"text":"“Greenwashing” is the term given to when companies pretend to be more sustainable or ethical than they really are. Like putting a plant on your logo and calling yourself eco-friendly with nothing to back up your claim."}],"markDefs":[],"style":"normal"},{"_key":"ae7f5104de40","_type":"block","children":[{"_key":"cf7f64ea11f4","_type":"span","marks":[],"text":"This can be a big concern if you’re passionate about matching your money to your morals. In fact, Boring Money’s "},{"_key":"e3c28b70f3ad","_type":"span","marks":["em"],"text":"Sustainable Investing Report 2024"},{"_key":"6f8ee1603100","_type":"span","marks":[],"text":" found that greenwashing was the top barrier to sustainable investing for over 20% of UK investors.[4]"}],"markDefs":[],"style":"normal"},{"_key":"e2ba0d94bd05","_type":"block","children":[{"_key":"ba57bcbfa53a","_type":"span","marks":[],"text":"Spotting a company that’s genuinely greenwashing is easier said than done, however. And there are two different types - intentional and unintentional - Morningstar’s Global Head of Sustainability Research Hortense Bioy explains."}],"markDefs":[],"style":"normal"},{"_key":"4bb09555494d","_type":"block","children":[{"_key":"4501d1f75821","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"338b82ea03bb","_type":"blockQuote","adviserName":"Hortense Bioy","jobTitle":"Global Head of Sustainability Research, Morningstar","photo":{"_type":"mainImage","alt":"Hortense Bioy quote on greenwashing"},"quote":[{"_key":"946413fc3aca","_type":"block","children":[{"_key":"d9ad57cae6b8","_type":"span","marks":[],"text":"There is intentional greenwashing, which is when asset managers over-claim and over-sell what they’re actually providing. And this type of greenwashing is clearly problematic, and corrosive to long-term trust and credibility."}],"markDefs":[],"style":"normal"},{"_key":"55af2894f930","_type":"block","children":[{"_key":"d748dec83522","_type":"span","marks":[],"text":"And there is another form of greenwashing that often comes down to an expectations gap between investors and asset managers. So, here, there is no real intention from the asset manager to over-state the green characteristics of a product, but the investor expects more – because there is no common definition of “green”, the investor has a certain idea of what green should look like - without realising sometimes that it is not practical or in his best interest.[5]"}],"markDefs":[],"style":"normal"}]},{"_key":"043d4fa88d16","_type":"block","children":[{"_key":"17993e8b6127","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c509efae5c5b","_type":"block","children":[{"_key":"7b6c50e4d538","_type":"span","marks":[],"text":"So what can an investor do to make sure they aren’t being misled – intentionally or otherwise? "}],"markDefs":[],"style":"normal"},{"_key":"608fb976d244","_type":"block","children":[{"_key":"e456d2982be9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c57782d2f4b7","_type":"prosConsWidget","cons":["Vague claims without evidence","Lots of PR, little action","Focus on minor issues while ignoring major ones"],"consTitle":"Some key things to look out for include:"},{"_key":"0f6d42d2ef6b","_type":"block","children":[{"_key":"d0e5662877680","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d94b32df509f","_type":"block","children":[{"_key":"4042a3c7fb76","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"484df8f87e7b","_type":"block","children":[{"_key":"8af17e9577d30","_type":"span","marks":[],"text":"However, Boiy explains that the best thing an aspiring sustainable investor can do to mitigate greenwashing is to educate themselves and make sure they’re clued up on exactly where their money is going."}],"markDefs":[],"style":"normal"},{"_key":"5e75b0274a3c","_type":"block","children":[{"_key":"d252073a5890","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9c175fa31480","_type":"blockQuote","adviserName":"Hortense Bioy","jobTitle":"Global Head of Sustainability Research, Morningstar","photo":{"_type":"mainImage","alt":"Hortense Bioy quote on greenwashing"},"quote":[{"_key":"d79ed1e46cfd","_type":"block","children":[{"_key":"08bfbffa12c6","_type":"span","marks":[],"text":"To spot greenwashing and avoid it, due diligence is key. First, an investor needs to look beyond a fund’s name or label and understand what the fund’s objective is: What does the fund aim to do? Is it a fund that aims to invest in companies with lower ESG risk? Does it aim to invest in companies that offer solutions to the world’s biggest challenges? Does the fund claim to have some sort of impact?"}],"markDefs":[],"style":"normal"},{"_key":"786bf1afaf87","_type":"block","children":[{"_key":"8caadcc22366","_type":"span","marks":[],"text":"Then, the fund’s claims need to be tested. An investor needs to look under the hood, look at the fund’s holdings and their ESG characteristics. Many funds with a climate theme don’t actually invest only in green companies. They may invest in so-called “transition” companies. These are companies that today don’t necessarily have good green credentials, they may even have exposure to fossil fuels, but these companies have the intention and plans to improve their environmental profile. An investor must feel comfortable with this type of companies.[6]"}],"markDefs":[],"style":"normal"}]},{"_key":"2208dbe75c7a","_type":"block","children":[{"_key":"181ae0c1b8440","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"fd3307376bc6","_type":"block","children":[{"_key":"7459cb6e8cdc0","_type":"span","marks":[],"text":"Morningstar and other research organisations publish ESG and sustainability metrics which can be helpful for those who want to dig under the bonnet of their investments. Morningstar’s Sustainability Ratings can be a good place to start – you can read about how these work and how you can find them at the link below."}],"markDefs":[],"style":"normal"},{"_key":"e5bd0a58137c","_type":"block","children":[{"_key":"7d3e78c81983","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"0afe4332b598","_type":"block","children":[{"_key":"6add14b133dc","_type":"span","marks":["strong"],"text":"The Morningstar Sustainability Rating: How it works"}],"markDefs":[],"style":"normal"}],"_key":"5ac8a5ee0274","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"reference":{"_ref":"e3908cac-7c74-47ca-acea-fe81bc2d6f0a","_type":"reference"},"text":"TELL ME"},{"_key":"968d5c7dd816","_type":"block","children":[{"_key":"f290954d55aa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5c6892521317","_type":"block","children":[{"_key":"4bba1480c738","_type":"span","marks":[],"text":""},{"_key":"2caab10819fb","_type":"mainAnchor","pageAnchor":{"_ref":"44ce5657-2d4e-4f12-b5b0-f962120b22ea","_type":"reference"}},{"_key":"08d8f26a28ba0","_type":"span","marks":[],"text":"🚩 Higher fees"}],"markDefs":[],"style":"h3"},{"_key":"a53659d41042","_type":"block","children":[{"_key":"02a2386075490","_type":"span","marks":[],"text":"Greenwashing aside, there is also the possibility that you could end up paying more in fees for sustainable funds. This is because some charge more for all the extra research and management that goes into ensuring your investments really are what they say they are."}],"markDefs":[],"style":"normal"},{"_key":"8e6aa819ee28","_type":"block","children":[{"_key":"73483145dfa80","_type":"span","marks":[],"text":"Here are some examples of the cost of investing in sustainable investment funds on popular investment platforms versus a traditional alternative:"}],"markDefs":[],"style":"normal"},{"_key":"98c6629cfeff","_type":"block","children":[{"_key":"48c694b495b40","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e0edeb5610b0","_type":"tableControl","rows":[{"_key":"9675c531ac47","_type":"row","cells":[{"_key":"1d47b625e4a0","_type":"cell","tableStyle":"DB","value":[{"_key":"5a28216d8254","_type":"block","children":[{"_key":"e8c623a36017","_type":"span","marks":["strong"],"text":"Platform"}],"markDefs":[],"style":"normal"}]},{"_key":"c7151447d005","_type":"cell","tableStyle":"DB","value":[{"_key":"5189875791df","_type":"block","children":[{"_key":"18195dd132de","_type":"span","marks":["strong"],"text":"AJ Bell"}],"markDefs":[],"style":"normal"}]},{"_key":"8e75c76f78ca","_type":"cell","tableStyle":"DB","value":[{"_key":"3a46d230b5e2","_type":"block","children":[{"_key":"0d53ad1ecf10","_type":"span","marks":["strong"],"text":"Nutmeg"}],"markDefs":[],"style":"normal"}]},{"_key":"f1a5e9e9fdf6","_type":"cell","tableStyle":"DB","value":[{"_key":"4607140b85ce","_type":"block","children":[{"_key":"3da442856ccb","_type":"span","marks":["strong"],"text":"Wealthify"}],"markDefs":[],"style":"normal"}]}]},{"_key":"0854a4e2cc20","_type":"row","cells":[{"_key":"09086d560802","_type":"cell","tableStyle":"W","value":[{"_key":"53dd1c094ecf","_type":"block","children":[{"_key":"2e08011bf465","_type":"span","marks":["strong"],"text":"Sustainable Option"}],"markDefs":[],"style":"normal"}]},{"_key":"5530f5c71f5a","_type":"cell","tableStyle":"W","value":[{"_key":"2fe11360432b","_type":"block","children":[{"_key":"383912e08f9d0","_type":"span","marks":[],"text":"0.45% (Responsible Growth)"}],"markDefs":[],"style":"normal"}]},{"_key":"97efa2486851","_type":"cell","tableStyle":"W","value":[{"_key":"b975bd55a50e","_type":"block","children":[{"_key":"e67e97a3161b0","_type":"span","marks":[],"text":"0.23% (Socially responsible investing)"}],"markDefs":[],"style":"normal"}]},{"_key":"8663c2d6ad3f","_type":"cell","tableStyle":"W","value":[{"_key":"ad753185d4c2","_type":"block","children":[{"_key":"1abf869a05120","_type":"span","marks":[],"text":"0.70% (Ethical)"}],"markDefs":[],"style":"normal"}]}]},{"_key":"d949fd89f223","_type":"row","cells":[{"_key":"a2834bda4b14","_type":"cell","tableStyle":"W","value":[{"_key":"3d46757318bc","_type":"block","children":[{"_key":"a9b1416470360","_type":"span","marks":["strong"],"text":"Traditional Option"}],"markDefs":[],"style":"normal"}]},{"_key":"51eb75a87841","_type":"cell","tableStyle":"W","value":[{"_key":"20d6e69f44f0","_type":"block","children":[{"_key":"f82e31fdc3350","_type":"span","marks":[],"text":"0.31% (Adventurous)"}],"markDefs":[],"style":"normal"}]},{"_key":"38af6f88001d","_type":"cell","tableStyle":"W","value":[{"_key":"2f569bd2cc02","_type":"block","children":[{"_key":"14dff23dfee00","_type":"span","marks":[],"text":"0.16% (Fixed allocation)"}],"markDefs":[],"style":"normal"}]},{"_key":"12ae046e0997","_type":"cell","tableStyle":"W","value":[{"_key":"437b64bb48e5","_type":"block","children":[{"_key":"ad26bae6c0080","_type":"span","marks":[],"text":"0.16% (Original)"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB"},{"_key":"0df600ed82c1","_type":"block","children":[{"_key":"629e87623fac","_type":"span","marks":["em"],"text":"Correct as at June 2025. Note that these are fund charges only and there are additional costs such as platform and trading fees."}],"markDefs":[],"style":"small"},{"_key":"311d5bc44aaf","_type":"block","children":[{"_key":"45ba5270f30b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0cdbe601a9b2","_type":"block","children":[{"_key":"e066d0cb2b440","_type":"span","marks":[],"text":"If you’re thinking about investing in sustainable funds, or you already do but you’re curious about the cost, make sure you do your homework. Look for the "},{"_key":"0b4d09fbaec0","_type":"span","marks":["b43d0fabee92"],"text":"‘OCF’ (Ongoing Charges Figure)"},{"_key":"b522364f3b35","_type":"span","marks":[],"text":" - this is how much it costs to hold the fund over the course of a year."}],"markDefs":[{"_key":"b43d0fabee92","_type":"glossaryPick","reference":{"_ref":"6a92d892-d3ba-45c5-8b5e-6f959f337cfb","_type":"reference"}}],"style":"normal"},{"_key":"694b0c4faaeb","_type":"block","children":[{"_key":"084d2eefdb370","_type":"span","marks":[],"text":"You may find that it works out a little more expensive than a non-sustainable fund. This might not be a make-or-break thing for you; Ultimately it comes down to how important you see cost compared to aligning your investments with your personal values. For some, paying extra for a sustainable fund is a sacrifice you’re willing to make. Others may not feel the same."}],"markDefs":[],"style":"normal"},{"_key":"fa3184079b10","_type":"block","children":[{"_key":"89c0996cb2ee","_type":"span","marks":[],"text":""},{"_key":"bd470294414e","_type":"mainAnchor","pageAnchor":{"_ref":"002f259f-fcb1-405e-adb9-44b1b1172482","_type":"reference"}},{"_key":"93002665dd0c","_type":"span","marks":[],"text":"Final thoughts"}],"markDefs":[],"style":"h2"},{"_key":"738fd61ffc98","_type":"block","children":[{"_key":"315a66edfa510","_type":"span","marks":[],"text":"All in all, sustainable investing isn't just for tree-huggers! It's becoming a sensible option for anyone who wants to invest their money while also putting it behind causes that resonate with them. Just remember: All investing carries risk. Don't invest money you can't afford to lose, and never feel pressured to invest in something you don't understand - sustainable or not! Your money, your values, your choice. Just make sure you do your homework first."}],"markDefs":[],"style":"normal"},{"_key":"dd7797f3ba25","_type":"block","children":[{"_key":"b420b8e89a920","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6070d0478363","_type":"block","children":[{"_key":"33fb0998745d0","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"58e0040104fd","_type":"block","children":[{"_key":"245f093a928a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9bdfcff4d767","_type":"block","children":[{"_key":"639a6178d3740","_type":"span","marks":[],"text":"[1] "},{"_key":"7f4c11774bcd","_type":"span","marks":["1be8afab263c"],"text":"Morgan Stanley, March 2025"}],"markDefs":[{"_key":"1be8afab263c","_type":"internalLinkPick","blank":true,"reference":{"_ref":"0ae408ab-76d7-460e-bdbe-862e07c355b6","_type":"reference"}}],"style":"normal"},{"_key":"d604cc2246a3","_type":"block","children":[{"_key":"fb6ad990879c0","_type":"span","marks":[],"text":"[2] "},{"_key":"b9d5b3d2355c","_type":"span","marks":["e2f974002f98"],"text":"MSCI, February 2020"}],"markDefs":[{"_key":"e2f974002f98","_type":"internalLinkPick","blank":true,"reference":{"_ref":"939b58fe-38a5-470b-9a67-70ea214a3fa8","_type":"reference"}}],"style":"normal"},{"_key":"3383de740d66","_type":"block","children":[{"_key":"f476048032970","_type":"span","marks":[],"text":"[3] "},{"_key":"05ce72536ac9","_type":"span","marks":["510360da0111"],"text":"PwC, May 2024"}],"markDefs":[{"_key":"510360da0111","_type":"internalLinkPick","blank":true,"reference":{"_ref":"547e9964-36cf-46fe-a6de-569cce0f5817","_type":"reference"}}],"style":"normal"},{"_key":"892520eaaae9","_type":"block","children":[{"_key":"5bc06750ee8b0","_type":"span","marks":[],"text":"[4] "},{"_key":"0a9310a7195b","_type":"span","marks":["17c2efe5355e"],"text":"Boring Money, May 2024"}],"markDefs":[{"_key":"17c2efe5355e","_type":"internalLinkPick","blank":true,"reference":{"_ref":"6fe8c3dc-8a85-439b-984c-f6659d3313b6","_type":"reference"}}],"style":"normal"},{"_key":"8ce0421d0919","_type":"block","children":[{"_key":"fc2a7ece6bbb","_type":"span","marks":[],"text":"[5] "},{"_key":"58b7536763b4","_type":"span","marks":["c36f625f15d5"],"text":"Morningstar, October 2021"}],"markDefs":[{"_key":"c36f625f15d5","_type":"internalLinkPick","blank":true,"reference":{"_ref":"667fb5aa-1228-44e9-8cda-f7052d85bef9","_type":"reference"}}],"style":"normal"},{"_key":"1ee56605ca9b","_type":"block","children":[{"_key":"2a41d6c178350","_type":"span","marks":[],"text":"[6] "},{"_key":"b0e46c911373","_type":"span","marks":["e79f60931da7"],"text":"Morningstar, October 2021"}],"markDefs":[{"_key":"e79f60931da7","_type":"internalLinkPick","blank":true,"reference":{"_ref":"667fb5aa-1228-44e9-8cda-f7052d85bef9","_type":"reference"}}],"style":"normal"}],"categories":[{"_key":"24a2ad724d95","_ref":"c1ad338f-4f1e-45e0-a079-4c8b32ab87b8","_type":"reference"},{"_key":"20f4782ca87d","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"}],"excerpt":[{"_key":"b7807a6b847b","_type":"block","children":[{"_key":"4ae7132d4ff40","_type":"span","marks":[],"text":"Discover the essentials of sustainable investing and how it can help you make money while doing good. Learn about the different approaches like ESG, SRI, and impact investing, and find out how to spot greenwashing and manage the higher fees. This no-nonsense guide covers everything you need to know to start investing sustainably!"}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":true,"hideRelatedContent":true,"linkMenu":[{"_key":"25f7c8f68efd","_ref":"bb46d470-6051-49aa-8899-a2ece7c06ae6","_type":"reference"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-97fbb86b94227290429e6d7c20aaec1e655f0c16-1920x1080-png","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"390a2087-44f0-48df-9579-71997a7c52d8","_type":"reference"},"publishedAt":"2025-06-26T15:38:06.853Z","slug":{"_type":"slug","current":"a-nononsense-guide-to-sustainable-investing"},"subfolder":{"_ref":"1e199c4b-b2a5-4733-b5fb-18b5874bd698","_type":"reference"},"template":"C-SB","theme":"Boring Money theme","title":"The No-Nonsense Guide to Sustainable Investing: What You Need to Know","widgets":[{"_key":"a0079fcafaba","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"},{"_key":"9effc9d99c2e","_ref":"287ede3a-8fa5-49e4-a704-31ec3c9e0684","_type":"reference"},{"_key":"49569986a8ad","_ref":"43efacc3-85ca-4882-aac0-c8a389a37b57","_type":"reference"}],"id":"-5fd5546d-fed0-591c-bdd9-0cd2dc4c0d10","children":[],"parent":null}},{"_key":"eae5e5481ca8","_type":"glossaryPick","reference":{"_id":"a7d1841d-cfd3-4151-93ce-43daaf05f1e6","_type":"glossaryHover","_rev":"lTp2d2CYb7e7Sxre7E3Q3z","_createdAt":"2025-04-30T13:39:42Z","_updatedAt":"2025-04-30T13:39:57Z","description":"An acronym for Environmental, Social and Governance. A broad set of metrics often used to measure the perceived sustainability of an investment. ","title":"ESG","id":"-461eb476-9311-5f21-ad0b-22024cc8ce18","children":[],"parent":null}}],"style":"normal"},{"_key":"5626169115c5","_type":"block","children":[{"_key":"6d9656e55dae","_type":"span","marks":[],"text":""},{"_key":"9434f621ede7","_type":"mainAnchor","pageAnchor":{"_id":"9d6b3b86-20cb-42ed-be57-39b5c31ebac1","_type":"anchorCategory","_rev":"ShBttggBniCqjqcnCF91Xd","_createdAt":"2025-05-14T09:58:30Z","_updatedAt":"2025-05-14T09:58:33Z","AnchorName":"marketpricevsnav","id":"-50c83e48-0ef2-5100-a5ba-f64b8f903a21","children":[],"parent":null}},{"_key":"87fd1f0ee3300","_type":"span","marks":[],"text":"ETF market price vs NAV"}],"markDefs":[],"style":"h3"},{"_key":"df30e052414b","_type":"block","children":[{"_key":"6671df8b4f7a","_type":"span","marks":[],"text":"An important thing to understand when investing in ETFs is that their market price doesn’t always match their"},{"_key":"c70a6f382360","_type":"span","marks":["bc65bd6db096"],"text":" Net Asset Value (NAV)"},{"_key":"a651f663bd20","_type":"span","marks":[],"text":". "}],"markDefs":[{"_key":"bc65bd6db096","_type":"glossaryPick","reference":{"_id":"fed61c02-3002-4768-9374-16377d6a555f","_type":"glossaryHover","_rev":"lTp2d2CYb7e7Sxre7EGS5B","_createdAt":"2025-04-30T14:05:30Z","_updatedAt":"2025-04-30T14:05:36Z","description":"A measurement used to describe the current value of an investment at a moment in time. It's calculated by taking the overall value of a company's total assets and subtracting its total debts or liabilities. It can be expressed as price-per-share by further dividing this figure by the total number of shares.","title":"Net Asset Value (NAV)","id":"-940bedf3-50a2-50aa-81b1-4e908cf6ef51","children":[],"parent":null}}],"style":"normal"},{"_key":"796eb49b3bd8","_type":"block","children":[{"_key":"fcf3345e3510","_type":"span","marks":[],"text":"ETFs trade on the stock exchange, so their prices are influenced by supply and demand – just like individual stocks. Ideally, the market price should reflect the NAV, but it doesn’t always happen. If there’s high demand for a particular ETF, its market price can trade at a premium (higher) to the NAV, and if there’s little interest, it can trade at a discount (lower)."}],"markDefs":[],"style":"normal"},{"_key":"01a9ae08d825","_type":"block","children":[{"_key":"05bfc6a06892","_type":"span","marks":[],"text":"This discrepancy is more common with niche or less "},{"_key":"dde4c707f5fd","_type":"span","marks":["6b0f00e2d964"],"text":"liquid"},{"_key":"74733ca41f02","_type":"span","marks":[],"text":" ETFs (such as real estate), as larger, more popular ETFs with high trading volumes tend to stay closer to their NAV. It's just something to watch out for, particularly if you’re investing in less-established sectors or thematic ETFs."}],"markDefs":[{"_key":"6b0f00e2d964","_type":"glossaryPick","reference":{"_id":"695ac26e-f82d-442b-842b-88d99f69cd38","_type":"glossaryHover","_rev":"o7OZbxoPmY2fDdqRM0UGVa","_createdAt":"2025-04-30T13:56:11Z","_updatedAt":"2025-04-30T13:56:26Z","description":"How quick and easy it is to convert an investment into cash without losing significant value in the process. In other words, how easy it is to sell and how long it takes to get your money in return.","title":"Liquidity","id":"-c0940be2-4da7-5024-821e-31b63ebf8c05","children":[],"parent":null}}],"style":"normal"},{"_key":"0ee2fe4427aa","_type":"block","children":[{"_key":"fd91f9506b31","_type":"span","marks":[],"text":""},{"_key":"1c4d3da0a2d3","_type":"mainAnchor","pageAnchor":{"_id":"33d7a3c3-9d61-4c73-a2f7-c973a32550ec","_type":"anchorCategory","_rev":"CXeh6EomDfCPue4ojVKIfn","_createdAt":"2025-05-15T11:26:45Z","_updatedAt":"2025-05-15T11:26:47Z","AnchorName":"acronyms","id":"-f685e2e0-e462-5640-8c53-5f2bc89c0112","children":[],"parent":null}},{"_key":"05068f1158a6","_type":"span","marks":[],"text":"What's the difference between ETFs, ETCs, and ETNs?"}],"markDefs":[],"style":"h3"},{"_key":"48b4b698e98f","_type":"block","children":[{"_key":"c0296ae51b8f","_type":"span","marks":[],"text":"You may see different acronyms that are associated with the better-known acronym ETF. While ETFs are the most prevalent type of exchange-traded investment, they constitute one segment within the broader Exchange-Traded Products (ETPs) category. The key difference between these vehicles is in their structure and risk profile, with ETFs generally having the lowest risk (as they own the assets), and ETNs having the highest risk (as they're debt instruments dependent on the issuer's creditworthiness)."}],"markDefs":[],"style":"normal"},{"_key":"012f2bc4cd37","_type":"block","children":[{"_key":"4eae172b1e78","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e52d2023a247","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"c8068b830d40","_type":"block","children":[{"_key":"1229b85f0a2f","_type":"span","marks":["strong"],"text":"ETP (Exchange-Traded Product)"},{"_key":"08a2130944e7","_type":"span","marks":[],"text":" - The umbrella term that encompasses all these investment vehicles. Under ETPs, we have three main categories:"}],"markDefs":[],"style":"normal"},{"_key":"2d19b853c54a","_type":"block","children":[{"_key":"9006d5cec5fc","_type":"span","marks":["strong"],"text":"ETF (Exchange-Traded Fund)"},{"_key":"51e75b0db4e6","_type":"span","marks":[],"text":" - Owns the underlying assets, structured as funds with typically lower risk."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"aac15e73eddb","_type":"block","children":[{"_key":"51bb083addf3","_type":"span","marks":["strong"],"text":"ETC (Exchange-Traded Commodity)"},{"_key":"16cde2559f35","_type":"span","marks":[],"text":" - Specifically tracks commodities like metals, energy, or agricultural products."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"64996ee526e7","_type":"block","children":[{"_key":"c17c7be2ba54","_type":"span","marks":["strong"],"text":"ETN (Exchange-Traded Note)"},{"_key":"d5a5770567dd","_type":"span","marks":[],"text":" - Unsecured debt securities that don't own assets but promise to match index returns."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"c96e1576d467","_type":"block","children":[{"_key":"6284f539b6c3","_type":"span","marks":[],"text":""},{"_key":"626039451657","_type":"mainAnchor","pageAnchor":{"_id":"957565b7-0e48-493b-b2c8-f9c293e8527a","_type":"anchorCategory","_rev":"0RauSSBO0V3dAuCDZgQeZX","_createdAt":"2024-12-12T11:31:19Z","_updatedAt":"2024-12-12T11:31:21Z","AnchorName":"mostpopular","id":"-6d94e3f3-1aae-5ee7-8057-4838360faf8c","children":[],"parent":null}},{"_key":"7e555a475dfb","_type":"span","marks":[],"text":"What are the most popular ETFs in 2025?"}],"markDefs":[],"style":"h3"},{"_key":"50e1dcc85dba","_type":"block","children":[{"_key":"7ef8485bb4a6","_type":"span","marks":[],"text":"Curious where other investors are putting their money right now? Each month, we go straight to the source - top UK platforms like AJ Bell, Fidelity, Hargreaves Lansdown and interactive investor - to find out which ETFs are trending."}],"markDefs":[],"style":"normal"},{"_key":"32f226649c67","_type":"block","children":[{"_key":"f10106dc09d9","_type":"span","marks":[],"text":"Whether you're after inspiration, reassurance, or just a nosey peek at the crowd favourites, our regularly updated list reveals which ETFs are winning the popularity contest. Click below to see the latest chart-toppers and discover the ETFs investors are backing this month."}],"markDefs":[],"style":"normal"},{"_key":"c38e88e7be08","_type":"block","children":[{"_key":"51f495d30d43","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"8b7dea2bda41","_type":"block","children":[{"_key":"39be579df116","_type":"span","marks":["strong"],"text":"Best-selling funds, Investment Trusts and ETFs of the month"}],"markDefs":[],"style":"normal"}],"_key":"a75da29311c2","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_id":"aadcd51e-3d7b-47ae-94da-4226f4f25ea8","_type":"landingPage","_rev":"hd5Qs6cLRW6hFZrgwNqKCx","_createdAt":"2023-11-09T09:08:59Z","_updatedAt":"2025-10-08T11:34:55Z","MainImage":{"_type":"mainImage","asset":{"_ref":"image-51147c43f6a9b0069e04e953de8bc5d9d5fc3565-1920x1080-png","_type":"reference"},"blankAltTag":true},"_system":{"base":{"id":"aadcd51e-3d7b-47ae-94da-4226f4f25ea8","rev":"S9hWxunWkDj5sGO7rFPArc"}},"content":[{"_key":"5b87045622b8","_type":"breadcrumb","breadcrumbs":[{"_key":"2cbc57512907","_type":"breadcrumbReference","title":"Market Analysis"},{"_key":"70d28ea96898","_type":"breadcrumbReference","title":"Product Performance"},{"_key":"3f5a3b399b2b","_type":"breadcrumbReference","linkReference":{"_ref":"aadcd51e-3d7b-47ae-94da-4226f4f25ea8","_type":"reference"},"title":"Most Popular Funds, Investment Trusts & ETFs"}]},{"_key":"6d88a9d2a77e","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"badd6e2964ca","_type":"block","children":[{"_key":"b4a17e0ddcee0","_type":"span","marks":[],"text":"Best-selling funds, Investment Trusts and ETFs"}],"markDefs":[],"style":"h1"},{"_key":"142be741bb26","_type":"block","children":[{"_key":"997fd51c89c00","_type":"span","marks":[],"text":"Every month, Boring Money collects data to bring you the most popular funds, Investment Trusts and ETFs across the top investment platforms in the UK. Read on below to see the best-selling investments on AJ Bell, Fidelity, Hargreaves Lansdown and interactive investor."}],"markDefs":[],"style":"normal"},{"_key":"f0b21a5278c3","_type":"block","children":[{"_key":"934a32a140330","_type":"span","marks":[],"text":"‎"}],"markDefs":[],"style":"normal"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"White"},{"CategoryMultiSelect":[{"_key":"47f5a04c713c","_ref":"5e617b0c-a279-402b-9c5b-455d4ba66303","_type":"reference"}],"_key":"e52e06c87f3c","_type":"latestArticlesBlock","articleCount":"12","contentType":"articles+info","styles":"White"},{"_key":"cad465e80995cf1e10f705155dcca4ee","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"593aa2f7fd0c","_type":"block","children":[{"_key":"9897dc808a90","_type":"span","marks":[],"text":"Your Investment Hub: ETFs, Funds & Trusts"}],"markDefs":[],"style":"h2"},{"_key":"bf60b24e9fa9","_type":"block","children":[{"_key":"301636f6f929","_type":"span","marks":[],"text":"Discover and compare investment opportunities tailored to your financial goals."}],"markDefs":[],"style":"normal"},{"_key":"f0b21a5278c3","_type":"block","children":[{"_key":"934a32a140330","_type":"span","marks":[],"text":"‎"}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"40dffa856fa7","_type":"bigBlockGroup","bigBlockItems":[{"_key":"4aa856c1ab94","_type":"bigBlockItem","introPara":[{"_key":"88bc69d4fb8d","_type":"block","children":[{"_key":"e397ac1f2956","_type":"span","marks":[],"text":"Learn how to invest in Investment Trusts with our clear, jargon-free guides. Discover the pros, cons, and what's trending, plus tips on how to choose the right ones for your portfolio."}],"markDefs":[],"style":"normal"}],"linkText":"Visit Hub","mainImage":{"_type":"mainImage","asset":{"_ref":"image-42785291df094d5711f4f95070718aa761b123fc-1080x1080-png","_type":"reference"}},"reference":{"_ref":"c4a944ee-6d37-4a32-ad78-476434729026","_type":"reference"},"title":"Investment Trust Hub "},{"_key":"95fde4550517","_type":"bigBlockItem","introPara":[{"_key":"6c100a76990a","_type":"block","children":[{"_key":"60994d12b6e3","_type":"span","marks":[],"text":"ETFs made simple. Our hub explains how exchange-traded funds work, the pros and cons, and how to invest. Explore guides on diversification, costs and performance to help you choose the right ETFs for your portfolio."}],"markDefs":[],"style":"normal"}],"linkText":"Find Out More","mainImage":{"_type":"mainImage","asset":{"_ref":"image-2690d787e4458365b9502301ec64c55b0dfc7c11-1080x1080-png","_type":"reference"}},"reference":{"_ref":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"reference"},"title":"ETF Hub"},{"_key":"52bf1296bd4d","_type":"bigBlockItem","introPara":[{"_key":"e477feb12bc1","_type":"block","children":[{"_key":"79d44c5adf7f","_type":"span","marks":[],"text":"Learn how to invest in funds with our beginner-friendly guides. Explore different types of funds, compare performance, and discover strategies to grow your money - whatever your investment goals are."}],"markDefs":[],"style":"normal"}],"linkText":"Learn More","mainImage":{"_type":"mainImage","asset":{"_ref":"image-8a30831247f3c009200499c0f85eb2d93308daad-1920x1080-png","_type":"reference"}},"reference":{"_ref":"3d044b8c-17de-499b-b7e3-d8a38bfe7b8e","_type":"reference"},"title":"Fund Hub"}],"equaliseHeight":true,"layout":"3x3","styles":"White","title":"Our Investment Hubs "}],"excerpt":[{"_key":"6f004ddc9734","_type":"block","children":[{"_key":"539a2a03f229","_type":"span","marks":[],"text":"Discover this month’s most popular funds, investment trusts, and ETFs. Compare the most popular investments, track performance, and find the most popular choices in the UK. Plus, get expert analysis on what's driving the trends."}],"markDefs":[],"style":"normal"}],"publishedAt":"2025-09-29T13:26:14.588Z","slug":{"_type":"slug","current":"funds-investment-trusts-etfs"},"subfolder":{"_id":"898aefb3-376c-4738-ab71-6f9fc4cfb270","_type":"folderCategory","_rev":"FTUzEP6MnPHV3XFUudHp41","_createdAt":"2023-11-09T09:11:07Z","_updatedAt":"2023-11-09T09:11:07Z","description":"Performance articles.","folder":"/performance/","id":"-da5e5c42-7a32-5823-84ba-785cf388480f","children":[],"parent":null},"theme":"Boring Money theme","title":"Best-Selling Funds, Investment Trusts & ETFs | Most Popular Investments of the Month","id":"-b79ca624-524e-5cfc-b6f1-1901fd94c61a","children":[],"parent":null},"text":"CLICK HERE"},{"_key":"ae1f95cedf49","_type":"block","children":[{"_key":"d713808ae15c","_type":"span","marks":[],"text":""},{"_key":"f72f60c0983b","_type":"mainAnchor","pageAnchor":{"_id":"34b1353a-e3e4-4949-a55d-dde0ba144f90","_type":"anchorCategory","_rev":"IgvxsOCj1ZRXjXVSGELQQa","_createdAt":"2024-03-07T09:17:36Z","_updatedAt":"2024-03-07T09:17:36Z","AnchorName":"keytakeaways","id":"-5ff2e7dd-718e-5dc4-8eb8-f6343046ff5e","children":[],"parent":null}},{"_key":"4fec03eb05d3","_type":"span","marks":[],"text":"Key takeaways on ETFs"}],"markDefs":[],"style":"h2"},{"_key":"198ddfc75049","_type":"block","children":[{"_key":"218f107231d4","_type":"span","marks":[],"text":"💰 Easy diversification at low cost"}],"markDefs":[],"style":"h3"},{"_key":"286377f939d8","_type":"block","children":[{"_key":"a2f9c6206de3","_type":"span","marks":[],"text":"ETFs are a simple way to diversify your portfolio without having to pick individual stocks. They offer broad market exposure (e.g., global or sector-specific indices) usually at a lower cost to actively managed funds, making them ideal for beginner investors looking to build a low-maintenance portfolio."}],"markDefs":[],"style":"normal"},{"_key":"02935918ca93","_type":"block","children":[{"_key":"04d0ba4ed0c9","_type":"span","marks":[],"text":"💭 Choose between active and passive "}],"markDefs":[],"style":"h3"},{"_key":"624b809b0419","_type":"block","children":[{"_key":"bb32e5b61ec7","_type":"span","marks":[],"text":"Deciding whether to invest in passive or active ETFs depends on your investment goals. Passive ETFs track a market index and typically have lower fees, while active ETFs are managed by professionals aiming to beat the market. For most beginners, passive ETFs are a great starting point, offering stable, long-term growth potential."}],"markDefs":[],"style":"normal"},{"_key":"47c617dae2b6","_type":"block","children":[{"_key":"2d483787d393","_type":"span","marks":[],"text":"📈 Understand costs and trading dynamics"}],"markDefs":[],"style":"h3"},{"_key":"505ff6ddcfd1","_type":"block","children":[{"_key":"ad2c6e092fd5","_type":"span","marks":[],"text":"While ETFs generally have low fees, it's essential to understand all the costs involved, such as commission fees and the bid-ask spread. ETFs trade like stocks, meaning you can buy or sell anytime during market hours. However, be aware of potential price fluctuations based on demand and supply, especially in niche markets."}],"markDefs":[],"style":"normal"},{"_key":"1d59810c0821","_type":"block","children":[{"_key":"c5055dbdfd8f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"89202e17d1dd","_type":"block","children":[{"_key":"f63fe2ae85cc","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"11eed913b2aa","_type":"block","children":[{"_key":"b95466f10234","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7a3791858955","_type":"block","children":[{"_key":"699651af7e14","_type":"span","marks":[],"text":"[1] "},{"_key":"ae7276ad1c35","_type":"span","marks":["da4d0749d56f"],"text":"Fidelity, January 2025"}],"markDefs":[{"_key":"da4d0749d56f","_type":"internalLinkPick","reference":{"_id":"cd42b887-ca6d-491e-a878-46714bce07e6","_type":"linkCategory","_rev":"ShBttggBniCqjqcnCLX8ev","_createdAt":"2025-05-15T09:39:15Z","_updatedAt":"2025-05-15T09:39:34Z","description":"ETF Performance 2024, Fidelity ","url":"https://www.fidelity.com/learning-center/trading-investing/etf-flows","id":"-e5baacdd-5888-53a8-bb27-cc20d6b6a5d7","children":[],"parent":null}}],"style":"normal"}],"brazeCustomAttributes":[{"_key":"52189da98b0e","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_Article_Gated","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/etfs/"}],"categories":[{"_id":"a9695476-b643-4a18-be2a-e8dbf3420afd","_type":"category","_rev":"DmK61VtPyEhMsfOjcsZCmQ","_createdAt":"2021-04-27T09:41:54Z","_updatedAt":"2021-04-27T09:41:54Z","description":"ETFs","title":"ETFs","id":"-8c6c128f-a594-5291-bc90-87877ee974ca","children":[],"parent":null},{"_id":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"category","_rev":"WL47ZrgxNpp8wbh75H7FrV","_createdAt":"2024-05-31T10:43:39Z","_updatedAt":"2024-05-31T11:56:50Z","title":"Guide","id":"-42823ea2-5742-58ea-be27-557d9d35eea7","children":[],"parent":null},{"_id":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"category","_rev":"YGZ0taAMl6Ce0nxRRrmRJu","_createdAt":"2025-05-08T10:55:42Z","_updatedAt":"2025-05-12T14:18:13Z","description":"All guide pages related to investing - e.g. funds, Investment Trusts, ETFs.","title":"Investing Guides","id":"-87985091-2601-5883-a2ba-c1ac80cb8f03","children":[],"parent":null}],"content":[],"emailSignupWidgetButtonText":"JOIN US","emailSignupWidgetParagraphText":"Join us for free and gain access to award-winning, jargon-free guidance that makes complex money topics both understandable and actionable. Compare investment platforms, ISAs, and pensions through objective reviews and user ratings to find the perfect home for your money. Cut through the financial noise with expert guidance that empowers you to make smarter investment decisions without the confusing terminology that often surrounds personal finance.","enableGatedContent":true,"excerpt":[{"_key":"98dd0dbb9d5a","_type":"block","children":[{"_key":"bd51787a25a9","_type":"span","marks":[],"text":"Discover how Exchange-Traded Funds (ETFs) work in our beginner-friendly guide. Learn about diversification benefits, low costs, trading basics, and how to choose the right ETFs for your investment goals in 2025."}],"markDefs":[],"style":"normal"}],"gateStyle":"Original - Faded","gatedContentBody":[{"_key":"ee8cf9beea42","_type":"block","children":[{"_key":"403559427f68","_type":"span","marks":[],"text":"ETFs (Exchange-Traded Funds) have exploded in popularity, with global values exceeding $10.4 trillion in 2024. These ready-made investment bundles trade like shares but contain many assets – like getting the entire Top 40 chart in one purchase."}],"markDefs":[],"style":"normal"},{"_key":"100942ec38ca","_type":"block","children":[{"_key":"f15eee7cb8ae","_type":"span","marks":[],"text":"Why Investors Love ETFs"}],"markDefs":[],"style":"h2"},{"_key":"3e9823a4b3f7","_type":"block","children":[{"_key":"6c4b7e0f635b","_type":"span","marks":[],"text":"ETFs offer instant diversification across companies, sectors, or themes while keeping costs low. Most track market indices passively, meaning no expensive fund manager – so more of your money stays invested and growing."}],"markDefs":[],"style":"normal"},{"_key":"490448975609","_type":"block","children":[{"_key":"56f3e1598cd6","_type":"span","marks":[],"text":"Perfect if you're new to investing, cost-conscious, or want broad market exposure without picking individual shares."}],"markDefs":[],"style":"normal"},{"_key":"85a496e1722e","_type":"block","children":[{"_key":"9792dbb3e19c","_type":"span","marks":[],"text":"Worth Considering"}],"markDefs":[],"style":"h2"},{"_key":"9d4b2d21dff3","_type":"block","children":[{"_key":"0b519ce6049d","_type":"span","marks":[],"text":"ETFs aren't ideal for everyone. You can't pick the companies inside them (challenging for ethical investors), and owning multiple ETFs might mean unknowingly doubling up on the same investments."}],"markDefs":[],"style":"normal"},{"_key":"5ef4283a5d44","_type":"block","children":[{"_key":"605466820c68","_type":"span","marks":[],"text":"Continue reading our comprehensive guide below."}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":false,"linkMenu":[{"_id":"ff192dd4-e800-412b-9ea1-a785a66550ba","_type":"pageAnchorMenu","_rev":"irz4B3n7489RknwNMLyiUd","_createdAt":"2021-07-21T09:58:45Z","_updatedAt":"2025-05-22T10:25:35Z","menuLinksTop":[{"_key":"dae78a715696","_type":"pageAnchorMenuTop","reference":{"_ref":"5709e327-caf0-425e-90a9-173a2203789a","_type":"reference"},"text":"In a nutshell"},{"_key":"5d5d62c2a368","_type":"pageAnchorMenuTop","reference":{"_ref":"324318c3-df5b-48b0-b1e9-a9ca1902ed41","_type":"reference"},"text":"The basics"},{"_key":"bfcabf72be16","_type":"pageAnchorMenuTop","reference":{"_ref":"094d1a3e-f7bf-4543-a216-e6804a5653f3","_type":"reference"},"text":"Are they right for me?"},{"_key":"9b672da747f6","_type":"pageAnchorMenuTop","menuChildLinks":[{"_key":"3682e9d94d7c","_type":"pageAnchorMenuChild","reference":{"_ref":"02838716-326d-4875-bd5e-a94679cff6f5","_type":"reference"},"text":"Diversification"},{"_key":"c9f50ef09026","_type":"pageAnchorMenuChild","reference":{"_ref":"b0ab7f9a-0fa8-4687-9b83-3ef5a0587973","_type":"reference"},"text":"Low fees"},{"_key":"5b5d14e1bc4d","_type":"pageAnchorMenuChild","reference":{"_ref":"a4b43d5c-a5a5-4255-ae01-b959a3dd0ab9","_type":"reference"},"text":"Easy to understand"}],"reference":{"_ref":"a2748707-923a-4ba0-b66d-cbe3a285ea46","_type":"reference"},"text":"Pros"},{"_key":"157a34c346222c5d9cf8e8fd6b573a1f","_type":"pageAnchorMenuTop","menuChildLinks":[{"_key":"53f5ef24772d","_type":"pageAnchorMenuChild","reference":{"_ref":"b0bf4eec-56c9-4216-a97b-9be7a3a35527","_type":"reference"},"text":"You can’t pick and choose"},{"_key":"82a460f03b3a","_type":"pageAnchorMenuChild","reference":{"_ref":"cd10a6ae-7510-4135-8400-f12ba04fda3d","_type":"reference"},"text":"Beware of owning too many"},{"_key":"3c12d794170e","_type":"pageAnchorMenuChild","reference":{"_ref":"34c4bdaa-bb71-424f-972c-c0de69e9f1df","_type":"reference"},"text":"Still rise and fall with the market"}],"reference":{"_ref":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"reference"},"text":"Cons"},{"_key":"e1a09fb80b06","_type":"pageAnchorMenuTop","menuChildLinks":[{"_key":"d826aa340425","_type":"pageAnchorMenuChild","reference":{"_ref":"9f5319b0-7128-4672-9d72-529aa7f21814","_type":"reference"},"text":"How much do ETFs cost?"},{"_key":"c6187f9ee526","_type":"pageAnchorMenuChild","reference":{"_ref":"043c4d3a-e208-4710-92d6-2a77330c0be0","_type":"reference"},"text":"Active vs passive ETFs"},{"_key":"cb735c4c9020","_type":"pageAnchorMenuChild","reference":{"_ref":"9d6b3b86-20cb-42ed-be57-39b5c31ebac1","_type":"reference"},"text":"ETF market price vs NAV"},{"_key":"df970e11a22c","_type":"pageAnchorMenuChild","reference":{"_ref":"33d7a3c3-9d61-4c73-a2f7-c973a32550ec","_type":"reference"},"text":"ETFs vs ETCs vs ETNs"},{"_key":"97ad97356851","_type":"pageAnchorMenuChild","reference":{"_ref":"957565b7-0e48-493b-b2c8-f9c293e8527a","_type":"reference"},"text":"What are the most popular ETFs in 2025?"}],"reference":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"},"text":"Top questions"},{"_key":"d16ffe0bee1c","_type":"pageAnchorMenuTop","reference":{"_ref":"34b1353a-e3e4-4949-a55d-dde0ba144f90","_type":"reference"},"text":"Key takeaways"}],"menuTitle":"In this guide","pageRef":"ETFs Explained: A Comprehensive Guide for New Investors","id":"-2fdf3b67-edeb-58d0-b6aa-7f7c5c1239cf","children":[],"parent":null}],"mainImage":{"_type":"mainImage","asset":{"_id":"image-fe162accb7da262d17df275b156f8e12c0d014d1-1920x1080-png","_type":"sanity.imageAsset","_rev":"ShBttggBniCqjqcnC3JxZ5","_createdAt":"2025-05-12T15:39:57Z","_updatedAt":"2025-05-12T15:39:57Z","assetId":"fe162accb7da262d17df275b156f8e12c0d014d1","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"MeRVnHX8?^$%IApHbHn7nijZ%MoLMxR+t8","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.7777777777777777,"height":1080,"width":1920},"hasAlpha":true,"isOpaque":true,"lqip":"data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABQAAAALCAYAAAB/Ca1DAAAACXBIWXMAAA7EAAAOxAGVKw4bAAAByUlEQVR4nI2Q309ScRjG/Zu6aeu2/6Cti269qFxJcyMx52QFak4uylaDCckYG85lgNXKrZZrpQJWjmOQQODh1wFzwvH8+B7y4tPMqzbczsWz9+J9n8+e9xkQRot+Mk+lNdHUOlq3hq7WMI9lhF5F6I2+HmG0GDhvcazXkdtZJOk9Uvot+9IanV8vEfU44jCF0Kr2gbrRpKBmSRaXiMSniPndfF6ZQdmcQGRdWJUgoiPZA1pGi7ZeYvUoiTfvZTrm4NnsLd49dyF/GMHI3MD6OYs4zCAMxU5ChUJ3F38zytieh+k3ThYeD5N46iT7apzO1wmsShjR2bWX0NQVftRLhL6sE3i9SCzoJjJzm8hDB58iD2hvhDGbWwitZrNDvUWl1GB94Rtb14NsDo4Snxxhxeci5b3PwaMQIr2N6DZsAPWzqeaLHIwv07w4SurKEC+m7rI2N0nxmhPtsove3BKiXPzPI85PqGBlvnNycx710jDpwTss++7x0eehcXWM3gUHJ0PzWNs7/25tvKxg5XL88SfRPIsUAkE2EiGyiSi/n0Sx3GF6gVVEPmcTeKpOA1GVMcoljso5lMoO7X2JbmUPs1xG1OSzmz4d/gXLRQrAcAizCwAAAABJRU5ErkJggg==","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#37281b","foreground":"#fff","population":1.48,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#930c29","foreground":"#fff","population":0.03,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#c8af91","foreground":"#000","population":6.14,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#c8af91","foreground":"#000","population":6.14,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f2cc7f","foreground":"#000","population":0.28,"title":"#000"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#a38761","foreground":"#fff","population":0.8,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f51060","foreground":"#fff","population":5.83,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"TEMPLATE (6).png","path":"images/k8qzcdw3/prod1503/fe162accb7da262d17df275b156f8e12c0d014d1-1920x1080.png","sha1hash":"fe162accb7da262d17df275b156f8e12c0d014d1","size":520630,"uploadId":"h1CyIc4iK8n8uJePH4AnbmiDxRCgF9pU","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/fe162accb7da262d17df275b156f8e12c0d014d1-1920x1080.png","filename":"TEMPLATE (6).png","width":1920,"height":1080,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/fe162accb7da262d17df275b156f8e12c0d014d1-1920x1080.png?rect=600,0,720,1080&w=%width%&h=%height%&q=80","id":"image-fe162accb7da262d17df275b156f8e12c0d014d1-1920x1080-png","children":[],"parent":null},"blankAltTag":true},"pageBreadcrumb":{"_id":"c69c3651-50cc-4bc5-8e3e-87bd5c9f0b7f","_type":"breadcrumbCategory","_rev":"fFgvRwoir6OYId4Ix9kw2H","_createdAt":"2025-05-14T10:09:18Z","_updatedAt":"2025-05-15T15:39:02Z","breadcrumbList":[{"_key":"468066418aff","_type":"breadcrumbReference","linkReference":{"_id":"drafts.77a8222e-6c69-4668-941b-910d7abe4cff","_type":"landingPage","_rev":"2fc96cb1-62e2-4d18-b11a-8440caa6e5af","_createdAt":"2021-06-22T09:38:53Z","_updatedAt":"2025-09-24T20:35:29Z","MainImage":{"_type":"mainImage","asset":{"_ref":"image-fca6fcf2bb69eb23525ed5d6b062fba2261d0183-1920x1080-png","_type":"reference"},"blankAltTag":true},"_system":{"base":{"id":"77a8222e-6c69-4668-941b-910d7abe4cff","rev":"HS8bHFoFwCoVWzp17Olzgw"}},"content":[{"_key":"15cf92e1128a","_type":"breadcrumb","breadcrumbs":[{"_key":"6ed15c6728b5","_type":"breadcrumbReference","linkReference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"title":"Home"},{"_key":"7c4208609d07","_type":"breadcrumbReference","linkReference":{"_ref":"77a8222e-6c69-4668-941b-910d7abe4cff","_type":"reference"},"title":"Investing Guides"}]},{"_key":"594b995a75bf","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"880286636e42","_type":"block","children":[{"_key":"3d7d104ff3b9","_type":"span","marks":[],"text":"Investing Guides"}],"markDefs":[],"style":"h1"},{"_key":"5b43aafc6165","_type":"block","children":[{"_key":"dc754c40248e","_type":"span","marks":[],"text":"New to investing and not sure where to start? Our beginner guides are designed to give you clear, jargon-free definitions of shares, funds, ETFs, bonds and more. Whether you’re new to the world of investing or you're just looking to brush up on your technical knowledge, we're here to debunk it for you."}],"markDefs":[],"style":"normal"},{"_key":"641d7ee35d84","_type":"block","children":[{"_key":"328aec204a98","_type":"span","marks":[],"text":"‎"}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent","title":"Investing Guides"},{"CategoryMultiSelect":[{"_key":"56fe10c2faaf","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"}],"_key":"c7310e68ea47","_type":"latestArticlesBlock","articleCount":"9","contentType":"articles+info","styles":"Grey-Transparent"},{"_key":"e52017fe3f2b65f4dc14342f180708b3","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"60f7b6aa4535","_type":"block","children":[{"_key":"e8d00ed37fdf","_type":"span","marks":[],"text":"Read our articles for a deeper dive"}],"markDefs":[],"style":"h2"}],"linkText":"SEE ALL","reference":{"_ref":"5ab629d6-cac2-4032-8963-79e44c3d3476","_type":"reference"},"styles":"Grey-Transparent","title":"Read our articles for a deeper dive"},{"CategoryMultiSelect":[{"_key":"37bb388d8ad0","_ref":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","_type":"reference"},{"_key":"7a802dc51cb5","_ref":"a9695476-b643-4a18-be2a-e8dbf3420afd","_type":"reference"},{"_key":"10d6dee88a64","_ref":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","_type":"reference"},{"_key":"e3dc8e25e397","_ref":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","_type":"reference"},{"_key":"8815a2cf1b83","_ref":"56fa11ba-f698-452f-a832-1c1c053fc842","_type":"reference"},{"_key":"f44aba9bfdda","_ref":"324d60b8-6372-47d1-b157-ebe7973d8d81","_type":"reference"},{"_key":"79d1a9fbde19","_ref":"9338f25b-7551-48c3-afff-03e9bc5608c3","_type":"reference"},{"_key":"6abfc9fb7d2d","_ref":"c1ad338f-4f1e-45e0-a079-4c8b32ab87b8","_type":"reference"},{"_key":"59621aabb5c7","_ref":"4f6b3a94-9186-4d63-8b72-5c574318f022","_type":"reference"}],"_key":"2d4436feeaef","_type":"latestArticlesBlock","articleCount":"3","contentType":"articles","styles":"Grey-Transparent"}],"excerpt":[{"_key":"de1a1938081d","_type":"block","children":[{"_key":"63ffc4058524","_type":"span","marks":[],"text":"Confused by funds, wondering what an ETF really is, or how Investment Trusts work? You’re not alone. Our investing guides break it all down - simple, practical, and designed for beginner investors who want to understand where they're putting their money."}],"markDefs":[],"style":"normal"}],"noIndex":false,"publishedAt":"2025-09-22T15:25:07.513Z","slug":{"_type":"slug","current":"investing-guides"},"subfolder":{"_ref":"f64e1cea-0c9d-4d1a-b0dc-8dae4fc86f71","_type":"reference"},"theme":"Boring Money theme","title":"Investing Guides for Beginners | Funds, ETFs, Investment Trusts & More","id":"-5157469d-f868-5ae7-88a3-18f0ea40f559","children":[],"parent":null},"title":"Investing Guides"},{"_key":"9b161eb1e1c8","_type":"breadcrumbReference","linkReference":{"_id":"080b145f-e915-472d-bac0-b12d2cbd0512","_type":"landingPage","_rev":"KAMP615o7ldcCuq8iq2IjW","_createdAt":"2025-05-12T14:33:57Z","_updatedAt":"2025-09-24T20:39:59Z","MainImage":{"_type":"mainImage","asset":{"_ref":"image-547585acb16e80d3cced1b2e8a7d801c1ec5f2f1-1920x1080-png","_type":"reference"},"blankAltTag":true},"_system":{"base":{"id":"080b145f-e915-472d-bac0-b12d2cbd0512","rev":"KAMP615o7ldcCuq8iq24jD"}},"content":[{"_key":"15cf92e1128a","_type":"breadcrumb","breadcrumbs":[{"_key":"6ed15c6728b5","_type":"breadcrumbReference","linkReference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"title":"Home"},{"_key":"7c4208609d07","_type":"breadcrumbReference","linkReference":{"_ref":"080b145f-e915-472d-bac0-b12d2cbd0512","_type":"reference"},"title":"Product Guides"}]},{"_key":"594b995a75bf","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"880286636e42","_type":"block","children":[{"_key":"3d7d104ff3b9","_type":"span","marks":[],"text":"Product Guides"}],"markDefs":[],"style":"h1"},{"_key":"f1685af5b77b","_type":"block","children":[{"_key":"658cbaf78e07","_type":"span","marks":[],"text":"From Stocks & Shares ISAs to the different types of pension, each savings and investment product comes with its own rules, perks and tax implications. This page brings together our simple, no-nonsense guides to help you understand the differences - whether you’re saving for retirement, your first home, or just want to invest tax-efficiently."}],"markDefs":[],"style":"normal"},{"_key":"641d7ee35d84","_type":"block","children":[{"_key":"328aec204a98","_type":"span","marks":[],"text":"‎"}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent","title":"Product Guides"},{"CategoryMultiSelect":[{"_key":"7e3b323b6670","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"_key":"c7310e68ea47","_type":"latestArticlesBlock","articleCount":"9","contentType":"info","styles":"Grey-Transparent"},{"_key":"5e0a21a87ddff11b22d1d42e0254d121","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"880286636e42","_type":"block","children":[{"_key":"3d7d104ff3b9","_type":"span","marks":[],"text":"Read our articles for a deeper dive"}],"markDefs":[],"style":"h2"}],"linkText":"SEE ALL","reference":{"_ref":"5ab629d6-cac2-4032-8963-79e44c3d3476","_type":"reference"},"styles":"Grey-Transparent","title":"Read our articles for a deeper dive"},{"CategoryMultiSelect":[{"_key":"5eb9e711aa48","_ref":"73fddf86-91d0-45eb-adf5-638de6442300","_type":"reference"},{"_key":"5b9b2264eb2b","_ref":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","_type":"reference"},{"_key":"c1c059beced5","_ref":"39d2ca7f-4862-4ab2-b902-0bf10f1d4c34","_type":"reference"},{"_key":"e3ea1e2b06f3","_ref":"93c8563a-3c8a-440c-aa52-1792f61017f3","_type":"reference"},{"_key":"333237e2b805","_ref":"9449f276-851c-4943-a4de-3390e0ddb339","_type":"reference"},{"_key":"a183aaaf82db","_ref":"33d1ae5f-e338-4a6a-99bd-51b86ddba053","_type":"reference"},{"_key":"cf065dbcbeb2","_ref":"008afba9-1332-4a6c-b016-2ec576698a1b","_type":"reference"},{"_key":"ba00c533f58e","_ref":"5699957f-e955-48ab-a5b6-3ffe97f5ca24","_type":"reference"},{"_key":"bf857b0cad94","_ref":"da38ee48-4ccb-4632-aed4-fae6aeb77b8c","_type":"reference"},{"_key":"7c6bd65b334a","_ref":"1dc876ae-0def-4d6f-bc35-633832bde849","_type":"reference"}],"_key":"bf5173e57ad1","_type":"latestArticlesBlock","articleCount":"3","contentType":"articles","styles":"Grey-Transparent"}],"excerpt":[{"_key":"b1fa859a2bfa","_type":"block","children":[{"_key":"8ec40f8405a5","_type":"span","marks":[],"text":"Discover beginner-friendly guides to investment account products, including ISAs, pensions, and GIAs. Learn how each type of account works and choose the right one for your investment goals."}],"markDefs":[],"style":"normal"}],"noIndex":true,"publishedAt":"2025-09-24T20:36:31.094Z","slug":{"_type":"slug","current":"product-guides"},"subfolder":{"_ref":"f64e1cea-0c9d-4d1a-b0dc-8dae4fc86f71","_type":"reference"},"theme":"Boring Money theme","title":"Product Guides for Beginners | ISAs, Pensions, GIAs & More","id":"-8db550fc-9c3d-5563-bdfe-6fd443a41fb6","children":[],"parent":null},"title":"Product Guides"},{"_key":"6bd492d5405c","_type":"breadcrumbReference","linkReference":{"_id":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"information","_rev":"gDQJPpKf7NEbh39oUrWCJK","_createdAt":"2021-06-22T11:29:32Z","_updatedAt":"2025-10-20T11:40:20Z","_system":{"base":{"id":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","rev":"OCM7WvHNujFjet6BiYtaw2"}},"authors":[{"_key":"e8546f4c2e48","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"fc1db25857b2","_type":"block","children":[{"_key":"833d68e64c8d","_type":"span","marks":[],"text":"By"},{"_key":"4273c5bc7b6f","_type":"span","marks":["strong"],"text":" Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"2a58abb1b98e","_type":"block","children":[{"_key":"1073bd47f628","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0ddc59542bb4","_type":"anchorMenuMobile","title":"s"},{"_key":"56d1d2bb1cf5","_type":"block","children":[{"_key":"de7ee0dfe762","_type":"span","marks":[],"text":""},{"_key":"c8db2dc2259a","_type":"mainAnchor","pageAnchor":{"_ref":"5709e327-caf0-425e-90a9-173a2203789a","_type":"reference"}},{"_key":"ef825cdd2845","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f417e16263ce","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"bebda097bd0d","_type":"block","children":[{"_key":"2f13d4fe0099","_type":"span","marks":[],"text":"🥜  In a nutshell"}],"markDefs":[],"style":"h4"},{"_key":"932d0fa668ed","_type":"block","children":[{"_key":"84af278c87d9","_type":"span","marks":["strong"],"text":"One investment, many assets – "},{"_key":"183d8170f069","_type":"span","marks":[],"text":"Bundle shares/bonds/other assets into a single product."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"54af3e980f91","_type":"block","children":[{"_key":"8b9953973154","_type":"span","marks":["strong"],"text":"Buy and sell like shares – "},{"_key":"ac8757ad2970","_type":"span","marks":[],"text":"Traded on stock exchanges in real time."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"99228cc39a62","_type":"block","children":[{"_key":"226a1e995f16","_type":"span","marks":["strong"],"text":"Low-cost –"},{"_key":"487148188751","_type":"span","marks":[],"text":" Most replicate an "},{"_key":"b78cf7516775","_type":"span","marks":["532945b87e6e"],"text":"index"},{"_key":"7fd3294fd482","_type":"span","marks":[],"text":", so fees are typically low."}],"level":1,"listItem":"bullet","markDefs":[{"_key":"532945b87e6e","_type":"glossaryPick","reference":{"_ref":"b009fb8f-18ff-4009-9ec4-d59b4fc29a0d","_type":"reference"}}],"style":"normal"},{"_key":"9bed7168c938","_type":"block","children":[{"_key":"fe671c1e3760","_type":"span","marks":["strong"],"text":"Instant diversification –"},{"_key":"e42bf9decfea","_type":"span","marks":[],"text":" Can invest across different countries, "},{"_key":"039ac4ee7524","_type":"span","marks":["b7538c9ea16e"],"text":"sectors"},{"_key":"fc4c254a1839","_type":"span","marks":[],"text":" or themes."}],"level":1,"listItem":"bullet","markDefs":[{"_key":"b7538c9ea16e","_type":"glossaryPick","reference":{"_ref":"a90c5817-1fb8-41c7-baaa-31dd7e2f84d5","_type":"reference"}}],"style":"normal"},{"_key":"5a825cca32be","_type":"block","children":[{"_key":"b0879c88fe22","_type":"span","marks":["strong"],"text":"Great for beginners –"},{"_key":"d04af52ad361","_type":"span","marks":[],"text":" Easy to understand, hands-off, and widely available."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"f07a96947f24","_type":"block","children":[{"_key":"94aad6ee50f4","_type":"span","marks":[],"text":""},{"_key":"b1565d9d299b","_type":"mainAnchor","pageAnchor":{"_ref":"324318c3-df5b-48b0-b1e9-a9ca1902ed41","_type":"reference"}},{"_key":"7563f684f307","_type":"span","marks":[],"text":"The basics of ETFs"}],"markDefs":[],"style":"h2"},{"_key":"801b612a4ab7","_type":"block","children":[{"_key":"e7a596b12d9e","_type":"span","marks":[],"text":"ETFs – or Exchange-Traded Funds – are one of the easiest ways to invest. They’re essentially ready-made bundles of investments that you can buy and sell on the stock market, just like individual "},{"_key":"5bc7ac0a04d6","_type":"span","marks":["d5816dc1df3f"],"text":"shares"},{"_key":"aeb50cd97422","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"d5816dc1df3f","_type":"glossaryPick","reference":{"_ref":"8d6a1c1c-dff0-4e47-bfdd-3750fc95e921","_type":"reference"}}],"style":"normal"},{"_key":"6ab85cbebab0","_type":"block","children":[{"_key":"07e8395398ec","_type":"span","marks":[],"text":"Instead of trying to pick a bunch of winning companies yourself, an ETF gives you instant access to a whole market or theme in one go. Think of it like a playlist of the Top 40 – no favourites, just a mix of the biggest names in a particular index or sector."}],"markDefs":[],"style":"normal"},{"_key":"1ceb43a32660","_type":"block","children":[{"_key":"96f8ca156efc","_type":"span","marks":[],"text":"Many popular ETFs "},{"_key":"0850ca2b4022","_type":"span","marks":["fafd2e21dbe2"],"text":"passively"},{"_key":"ce3c7c5dbf5c","_type":"span","marks":[],"text":" track well-known stock market indices, like the "},{"_key":"02b55600cbf4","_type":"span","marks":["20ba425f3599"],"text":"S&P 500"},{"_key":"f50e19f21248","_type":"span","marks":[],"text":", to give you broad exposure for a low cost. Others focus on "},{"_key":"1a8176d1fbbb","_type":"span","marks":["86eeea6d91ef"],"text":"investment themes "},{"_key":"3ddb33d4e3ac","_type":"span","marks":[],"text":"like Clean Energy, Artificial Intelligence, or Biotech."}],"markDefs":[{"_key":"86eeea6d91ef","_type":"glossaryPick","reference":{"_ref":"153b5d49-ccd6-4396-8965-dc69754a85a6","_type":"reference"}},{"_key":"20ba425f3599","_type":"glossaryPick","reference":{"_ref":"05f6786c-9e39-4f1b-9b78-4eb9b2623c01","_type":"reference"}},{"_key":"fafd2e21dbe2","_type":"glossaryPick","reference":{"_ref":"c1ebf065-a9a0-4501-b78b-4f8f534e09a7","_type":"reference"}}],"style":"normal"},{"_key":"0ab475c73058","_type":"block","children":[{"_key":"0d2480cbc0c7","_type":"span","marks":[],"text":"They're generally cheap and fast growing – the total value of ETFs globally topped $10.4 trillion in 2024.[1] And they're increasingly popular with beginners and pros alike."}],"markDefs":[],"style":"normal"},{"_key":"a6e369e3a60b","_type":"block","children":[{"_key":"0b348a449a79","_type":"span","marks":[],"text":""},{"_key":"195e516b7784","_type":"mainAnchor","pageAnchor":{"_ref":"094d1a3e-f7bf-4543-a216-e6804a5653f3","_type":"reference"}},{"_key":"e70f053ddfe5","_type":"span","marks":[],"text":"Are ETFs right for me?"}],"markDefs":[],"style":"h2"},{"_key":"dc3003b953c1","_type":"prosConsWidget","cons":["You want a professional fund manager to actively manage your money","You're confident in your ability to pick individual shares","You're chasing short-term gains or want high-risk, high-reward strategies"],"consTitle":"Bad if you","pros":["You’re new to investing and want something simple to start with","You’re cost-conscious and keen to keep investment fees low","You want to track the performance of a broad market or trend"],"prosTitle":"Good if you"},{"_key":"a6b6142f67a3","_type":"block","children":[{"_key":"9f4fef57d621","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b0821875a954","_type":"block","children":[{"_key":"237008b64779","_type":"span","marks":[],"text":""},{"_key":"9b0235f0f7c1","_type":"mainAnchor","pageAnchor":{"_ref":"a2748707-923a-4ba0-b66d-cbe3a285ea46","_type":"reference"}},{"_key":"966fd7cc4ecb","_type":"span","marks":[],"text":"The pros of investing in ETFs"}],"markDefs":[],"style":"h2"},{"_key":"2daceea74e1e","_type":"block","children":[{"_key":"0fb16cf8efb4","_type":"span","marks":[],"text":""},{"_key":"d509f53a14fc","_type":"mainAnchor","pageAnchor":{"_ref":"02838716-326d-4875-bd5e-a94679cff6f5","_type":"reference"}},{"_key":"e2a7d9e37c04","_type":"span","marks":[],"text":"✅ Diversification"}],"markDefs":[],"style":"h3"},{"_key":"0e130d474d07","_type":"block","children":[{"_key":"eb0ed54a42a6","_type":"span","marks":[],"text":"ETFs have become one of the most popular ways for UK investors to grow their money – and it’s easy to see why. One of the biggest benefits of ETFs is "},{"_key":"8a7e76909c4b","_type":"span","marks":["fa061852d70f"],"text":"diversification"},{"_key":"eca8b18c04b9","_type":"span","marks":[],"text":". By buying just one ETF, you can get exposure to a wide range of "},{"_key":"a76f549933d5","_type":"span","marks":["8e75e3f2711c"],"text":"assets"},{"_key":"d74ddbc7f81f","_type":"span","marks":[],"text":", such as "},{"_key":"0a2952cfb6b9","_type":"span","marks":["b316985c0945"],"text":"equities"},{"_key":"963011fa80f2","_type":"span","marks":[],"text":", "},{"_key":"495d085f0ea6","_type":"span","marks":["b622e5c67b29"],"text":"bonds"},{"_key":"9ef019ca7bd3","_type":"span","marks":[],"text":", or even specific sectors like technology or clean energy. This helps spread your risk, so you’re not overly reliant on the success of one company or region."}],"markDefs":[{"_key":"fa061852d70f","_type":"glossaryPick","reference":{"_ref":"4e600be7-9819-47d4-9ee6-de4019f8a10e","_type":"reference"}},{"_key":"8e75e3f2711c","_type":"glossaryPick","reference":{"_ref":"bbd21391-fb19-4ae7-9dd4-03e45b9ff515","_type":"reference"}},{"_key":"b316985c0945","_type":"glossaryPick","reference":{"_ref":"ffc3cd50-c9a6-4e8a-ae48-94a9f8ee2717","_type":"reference"}},{"_key":"b622e5c67b29","_type":"glossaryPick","reference":{"_ref":"ea467285-7d48-4093-b16e-76d3f8a95fc1","_type":"reference"}}],"style":"normal"},{"_key":"dd219d2cecbe","_type":"block","children":[{"_key":"0f730175fc32","_type":"span","marks":[],"text":""},{"_key":"a8f8ba6c722b","_type":"mainAnchor","pageAnchor":{"_ref":"b0ab7f9a-0fa8-4687-9b83-3ef5a0587973","_type":"reference"}},{"_key":"3c407d2db4e7","_type":"span","marks":[],"text":"✅ Low fees"}],"markDefs":[],"style":"h3"},{"_key":"a46b82ca88ed","_type":"block","children":[{"_key":"5d46b372571a","_type":"span","marks":[],"text":"Another key advantage is cost. Most ETFs are "},{"_key":"0b9b2b9e9dff","_type":"span","marks":["b8b50be98d3d"],"text":"passive"},{"_key":"8e8bd2189660","_type":"span","marks":[],"text":" investments, meaning they track a market index like the FTSE 100 or the S&P 500. Because there’s no "},{"_key":"3fb2be3b173c","_type":"span","marks":["2c913a83b466"],"text":"fund manager"},{"_key":"71d59e13e338","_type":"span","marks":[],"text":" picking stocks, fees are typically lower than actively managed funds. Lower costs mean more of your money stays invested and has the chance to grow over time. "},{"_key":"6c2c67071a58","_type":"span","marks":["856a5e29c1e0"],"text":"Actively managed "},{"_key":"cd0fe0297710","_type":"span","marks":[],"text":"ETFs do exist, but the majority available to UK investors are passive."}],"markDefs":[{"_key":"b8b50be98d3d","_type":"glossaryPick","reference":{"_ref":"c1ebf065-a9a0-4501-b78b-4f8f534e09a7","_type":"reference"}},{"_key":"856a5e29c1e0","_type":"glossaryPick","reference":{"_ref":"7842521c-6418-420e-9da3-e0906c64276b","_type":"reference"}},{"_key":"2c913a83b466","_type":"glossaryPick","reference":{"_ref":"52cb8779-f204-4e14-b5e9-c3bb3cf56993","_type":"reference"}}],"style":"normal"},{"_key":"3249e59424ed","_type":"block","children":[{"_key":"2c68ddd62deb","_type":"span","marks":[],"text":""},{"_key":"7f227bfb5410","_type":"mainAnchor","pageAnchor":{"_ref":"a4b43d5c-a5a5-4255-ae01-b959a3dd0ab9","_type":"reference"}},{"_key":"3062eaa63ad1","_type":"span","marks":[],"text":"✅ Easy to understand"}],"markDefs":[],"style":"h3"},{"_key":"37f50b1fc7f3","_type":"block","children":[{"_key":"d1204dacf593","_type":"span","marks":[],"text":"ETFs are also easy to buy and sell, since they’re traded on stock exchanges just like individual shares. You can invest through most major platforms or "},{"_key":"3a71dea0a54d","_type":"span","marks":["69cea6ea0437"],"text":"ISAs"},{"_key":"dc7b102e6944","_type":"span","marks":[],"text":" with a few clicks. Their transparency, simplicity, and low barrier to entry make them an ideal choice for beginner investors, those building a long-term portfolio, or anyone looking for a low-maintenance way to invest."}],"markDefs":[{"_key":"69cea6ea0437","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"},{"_key":"fba220811ee1","_type":"block","children":[{"_key":"251b3ab91b42","_type":"span","marks":[],"text":""},{"_key":"637f55890428","_type":"mainAnchor","pageAnchor":{"_ref":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"reference"}},{"_key":"394c78b910a7","_type":"span","marks":[],"text":"The cons of investing in ETFs"}],"markDefs":[],"style":"h2"},{"_key":"6fd746bca917","_type":"block","children":[{"_key":"c87d84ab8ed8","_type":"span","marks":[],"text":""},{"_key":"2a9231654e6b","_type":"mainAnchor","pageAnchor":{"_ref":"b0bf4eec-56c9-4216-a97b-9be7a3a35527","_type":"reference"}},{"_key":"37a31be65391","_type":"span","marks":[],"text":"❌ You can’t pick and choose"}],"markDefs":[],"style":"h3"},{"_key":"10435ab41deb","_type":"block","children":[{"_key":"db1c754fe0e3","_type":"span","marks":[],"text":"While ETFs are a great tool for many investors, they’re not without their downsides. One issue is lack of flexibility. Because ETFs typically track an index, you have no control over the individual companies included. If a sector you don’t support (like fossil fuels or tobacco) is heavily represented in a broad market ETF, there’s not much you can do about it. This can be a drawback for "},{"_key":"6c28ef491aaf","_type":"span","marks":["5aab59721fc3"],"text":"ethical"},{"_key":"370dd1259229","_type":"span","marks":[],"text":" investors who want to align their portfolio with their values."}],"markDefs":[{"_key":"5aab59721fc3","_type":"glossaryPick","reference":{"_ref":"5cb1800e-1555-43a2-83d8-bd1d19a586fe","_type":"reference"}}],"style":"normal"},{"_key":"7a60017a89b5","_type":"block","children":[{"_key":"6b38641ab2cc","_type":"span","marks":[],"text":""},{"_key":"bb505b264510","_type":"mainAnchor","pageAnchor":{"_ref":"cd10a6ae-7510-4135-8400-f12ba04fda3d","_type":"reference"}},{"_key":"7dd65ce281b4","_type":"span","marks":[],"text":"❌ Beware of owning too many"}],"markDefs":[],"style":"h3"},{"_key":"1728bd5cc2c2","_type":"block","children":[{"_key":"b1bfa84f2454","_type":"span","marks":[],"text":"Another thing to watch out for is over-diversification or “diworsification.” Some investors load up on lots of ETFs without realising there’s significant overlap between the "},{"_key":"e2c6c9e2e9bf","_type":"span","marks":["46e65d891c29"],"text":"underlying"},{"_key":"4b9bd5e1f275","_type":"span","marks":[],"text":" assets. For example, if you own a global ETF and a US-focused ETF, you might be doubling up on the same stocks. It’s important to understand what’s actually inside your ETFs to avoid unintended risk or redundancy."}],"markDefs":[{"_key":"46e65d891c29","_type":"glossaryPick","reference":{"_ref":"cb2d54a5-51bd-4510-96c6-badad138eff7","_type":"reference"}}],"style":"normal"},{"_key":"e3bd9ee6ecec","_type":"block","children":[{"_key":"14bac8b5c670","_type":"span","marks":[],"text":""},{"_key":"648c01633d9c","_type":"mainAnchor","pageAnchor":{"_ref":"34c4bdaa-bb71-424f-972c-c0de69e9f1df","_type":"reference"}},{"_key":"f41184660529","_type":"span","marks":[],"text":"❌ Still rise and fall with the market"}],"markDefs":[],"style":"h3"},{"_key":"e295c312435d","_type":"block","children":[{"_key":"ef70c1df0055","_type":"span","marks":[],"text":"Finally, while many ETFs are passive by design, that doesn’t mean they’re completely safe or immune to market crashes. If the market an ETF tracks drops, so will your investment. You’re accepting market returns – for better or worse. ETFs are a great foundation, but they’re not a silver bullet for investment success."}],"markDefs":[],"style":"normal"},{"_key":"95b1fcdbdfe9","_type":"block","children":[{"_key":"5f0da20db839","_type":"span","marks":[],"text":""},{"_key":"764983d86d97","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"81e7b973b1d5","_type":"span","marks":[],"text":"Top questions on ETFs"}],"markDefs":[],"style":"h2"},{"_key":"a181b5533fdb","_type":"block","children":[{"_key":"e98d4b06806c","_type":"span","marks":[],"text":""},{"_key":"a6126a3aa223","_type":"mainAnchor","pageAnchor":{"_ref":"9f5319b0-7128-4672-9d72-529aa7f21814","_type":"reference"}},{"_key":"64cb416ca8380","_type":"span","marks":[],"text":"How much do ETFs cost?"}],"markDefs":[],"style":"h3"},{"_key":"fc122a15382d","_type":"block","children":[{"_key":"7884beb22fb0","_type":"span","marks":[],"text":"ETFs trade on stock exchanges just like individual shares, which means you buy and sell them on online investment platforms. You will often be charged a commission on each buy or sell transaction."}],"markDefs":[],"style":"normal"},{"_key":"c502aabc7234","_type":"block","children":[{"_key":"dadf564d0a4b","_type":"span","marks":[],"text":"ETFs themselves usually have an annual "},{"_key":"1443cc198b51","_type":"span","marks":["89cfe4ee3312"],"text":"management fee"},{"_key":"0156aa55050c","_type":"span","marks":[],"text":", which is typically quite low - especially for large, well-known ETFs that track broad indices. However, more niche ETFs may charge slightly higher fees due to their specific focus. "}],"markDefs":[{"_key":"89cfe4ee3312","_type":"glossaryPick","reference":{"_ref":"639ead5f-b190-4b44-bc4f-805ab4d8fcf4","_type":"reference"}}],"style":"normal"},{"_key":"481a8c10a10d","_type":"block","children":[{"_key":"8658e29d1d86","_type":"span","marks":[],"text":"Another cost to consider is the "},{"_key":"253b1edbd313","_type":"span","marks":["7f92891a603e"],"text":"bid-ask spread"},{"_key":"8f784cbe584c","_type":"span","marks":[],"text":", which is the difference between the price at which a platform is willing to buy and sell the ETF – this is similar to a "},{"_key":"1ea37f15d05e","_type":"span","marks":["76b31858e487"],"text":"currency exchange"},{"_key":"45faed2a72af","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"7f92891a603e","_type":"glossaryPick","reference":{"_ref":"acfdf9ca-55f2-4ccd-8aee-3201a6153b7b","_type":"reference"}},{"_key":"76b31858e487","_type":"glossaryPick","reference":{"_ref":"c45b581e-8764-40ef-8780-ef02845ed5fc","_type":"reference"}}],"style":"normal"},{"_key":"7104cc654d2a","_type":"block","children":[{"_key":"a069bc4adb27","_type":"span","marks":[],"text":"In terms of "},{"_key":"2d94f54238dd","_type":"span","marks":["7648f8a791df"],"text":"transaction fees"},{"_key":"182bc4de1ace","_type":"span","marks":[],"text":", they will range from being free up to  £11.95 per trade depending on the platform you are investing on. If you’re making regular contributions to your ETF, these costs can add up over time, so it’s essential to keep an eye on fees - especially if you’re investing small amounts frequently."}],"markDefs":[{"_key":"7648f8a791df","_type":"glossaryPick","reference":{"_ref":"af4eb285-d6ee-484f-89ac-d776bbfcb0c5","_type":"reference"}}],"style":"normal"},{"_key":"6975d7bc829f","_type":"block","children":[{"_key":"2f25377ef185","_type":"span","marks":[],"text":""},{"_key":"743052052ddb","_type":"mainAnchor","pageAnchor":{"_ref":"043c4d3a-e208-4710-92d6-2a77330c0be0","_type":"reference"}},{"_key":"6348fbed8524","_type":"span","marks":[],"text":"Active vs passive ETFs"}],"markDefs":[],"style":"h3"},{"_key":"71cf2ab6ddd4","_type":"mainImage","asset":{"_ref":"image-7ca3e9317480168a1de35cfa1a4a9b3f6249f78e-1920x1080-png","_type":"reference"},"blankAltTag":true},{"_key":"397cdc9d2c24","_type":"block","children":[{"_key":"afae1c0135fa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ef4fc8c4ec3","_type":"block","children":[{"_key":"80803ed8ed2d","_type":"span","marks":[],"text":"The active vs passive debate is central to investing in ETFs. "}],"markDefs":[],"style":"normal"},{"_key":"fcc7ca1029b0","_type":"block","children":[{"_key":"d36caa331723","_type":"span","marks":[],"text":"A passive ETF tracks an index and aims to mirror its performance. This type of fund is cost-effective because there’s no need for an active fund manager to make investment decisions. While you won’t outperform the market, you’ll capture its returns at a low cost. Passive ETFs are great for investors who prefer a hands-off approach, and they provide broad exposure to various markets. However, you may end up owning companies or sectors that are underperforming."}],"markDefs":[],"style":"normal"},{"_key":"39b56cc28e27","_type":"block","children":[{"_key":"45bf65d5b435","_type":"span","marks":[],"text":"On the other hand, active ETFs involve fund managers selecting stocks with the goal of outperforming the index. These ETFs typically come with higher fees, as you're paying for the expertise of the manager. However, they could deliver higher returns if the manager makes smart picks. One thing to note: active managers often closely track the index to reduce risk, meaning their performance may not actually differ much from a passive strategy."}],"markDefs":[],"style":"normal"},{"_key":"3919761790f3","_type":"block","children":[{"_key":"6802e895452b","_type":"span","marks":[],"text":"If you're drawn to"},{"_key":"1222aa85e45a","_type":"span","marks":["df5690228e1c"],"text":" sustainable investing"},{"_key":"86b8927a6d8d","_type":"span","marks":[],"text":", active managers often have more flexibility to incorporate "},{"_key":"3487e95a3dc6","_type":"span","marks":["eae5e5481ca8"],"text":"environmental, social, and governance (ESG) "},{"_key":"8eba70cf1f85","_type":"span","marks":[],"text":"criteria into their investment decisions. So active ETFs may be a better option for investors who want to tailor their portfolios to specific values."}],"markDefs":[{"_key":"df5690228e1c","_type":"internalLinkPick","reference":{"_ref":"2635d13e-e79d-414d-80f5-86b565565227","_type":"reference"}},{"_key":"eae5e5481ca8","_type":"glossaryPick","reference":{"_ref":"a7d1841d-cfd3-4151-93ce-43daaf05f1e6","_type":"reference"}}],"style":"normal"},{"_key":"5626169115c5","_type":"block","children":[{"_key":"6d9656e55dae","_type":"span","marks":[],"text":""},{"_key":"9434f621ede7","_type":"mainAnchor","pageAnchor":{"_ref":"9d6b3b86-20cb-42ed-be57-39b5c31ebac1","_type":"reference"}},{"_key":"87fd1f0ee3300","_type":"span","marks":[],"text":"ETF market price vs NAV"}],"markDefs":[],"style":"h3"},{"_key":"df30e052414b","_type":"block","children":[{"_key":"6671df8b4f7a","_type":"span","marks":[],"text":"An important thing to understand when investing in ETFs is that their market price doesn’t always match their"},{"_key":"c70a6f382360","_type":"span","marks":["bc65bd6db096"],"text":" Net Asset Value (NAV)"},{"_key":"a651f663bd20","_type":"span","marks":[],"text":". "}],"markDefs":[{"_key":"bc65bd6db096","_type":"glossaryPick","reference":{"_ref":"fed61c02-3002-4768-9374-16377d6a555f","_type":"reference"}}],"style":"normal"},{"_key":"796eb49b3bd8","_type":"block","children":[{"_key":"fcf3345e3510","_type":"span","marks":[],"text":"ETFs trade on the stock exchange, so their prices are influenced by supply and demand – just like individual stocks. Ideally, the market price should reflect the NAV, but it doesn’t always happen. If there’s high demand for a particular ETF, its market price can trade at a premium (higher) to the NAV, and if there’s little interest, it can trade at a discount (lower)."}],"markDefs":[],"style":"normal"},{"_key":"01a9ae08d825","_type":"block","children":[{"_key":"05bfc6a06892","_type":"span","marks":[],"text":"This discrepancy is more common with niche or less "},{"_key":"dde4c707f5fd","_type":"span","marks":["6b0f00e2d964"],"text":"liquid"},{"_key":"74733ca41f02","_type":"span","marks":[],"text":" ETFs (such as real estate), as larger, more popular ETFs with high trading volumes tend to stay closer to their NAV. It's just something to watch out for, particularly if you’re investing in less-established sectors or thematic ETFs."}],"markDefs":[{"_key":"6b0f00e2d964","_type":"glossaryPick","reference":{"_ref":"695ac26e-f82d-442b-842b-88d99f69cd38","_type":"reference"}}],"style":"normal"},{"_key":"0ee2fe4427aa","_type":"block","children":[{"_key":"fd91f9506b31","_type":"span","marks":[],"text":""},{"_key":"1c4d3da0a2d3","_type":"mainAnchor","pageAnchor":{"_ref":"33d7a3c3-9d61-4c73-a2f7-c973a32550ec","_type":"reference"}},{"_key":"05068f1158a6","_type":"span","marks":[],"text":"What's the difference between ETFs, ETCs, and ETNs?"}],"markDefs":[],"style":"h3"},{"_key":"48b4b698e98f","_type":"block","children":[{"_key":"c0296ae51b8f","_type":"span","marks":[],"text":"You may see different acronyms that are associated with the better-known acronym ETF. While ETFs are the most prevalent type of exchange-traded investment, they constitute one segment within the broader Exchange-Traded Products (ETPs) category. The key difference between these vehicles is in their structure and risk profile, with ETFs generally having the lowest risk (as they own the assets), and ETNs having the highest risk (as they're debt instruments dependent on the issuer's creditworthiness)."}],"markDefs":[],"style":"normal"},{"_key":"012f2bc4cd37","_type":"block","children":[{"_key":"4eae172b1e78","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e52d2023a247","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"c8068b830d40","_type":"block","children":[{"_key":"1229b85f0a2f","_type":"span","marks":["strong"],"text":"ETP (Exchange-Traded Product)"},{"_key":"08a2130944e7","_type":"span","marks":[],"text":" - The umbrella term that encompasses all these investment vehicles. Under ETPs, we have three main categories:"}],"markDefs":[],"style":"normal"},{"_key":"2d19b853c54a","_type":"block","children":[{"_key":"9006d5cec5fc","_type":"span","marks":["strong"],"text":"ETF (Exchange-Traded Fund)"},{"_key":"51e75b0db4e6","_type":"span","marks":[],"text":" - Owns the underlying assets, structured as funds with typically lower risk."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"aac15e73eddb","_type":"block","children":[{"_key":"51bb083addf3","_type":"span","marks":["strong"],"text":"ETC (Exchange-Traded Commodity)"},{"_key":"16cde2559f35","_type":"span","marks":[],"text":" - Specifically tracks commodities like metals, energy, or agricultural products."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"64996ee526e7","_type":"block","children":[{"_key":"c17c7be2ba54","_type":"span","marks":["strong"],"text":"ETN (Exchange-Traded Note)"},{"_key":"d5a5770567dd","_type":"span","marks":[],"text":" - Unsecured debt securities that don't own assets but promise to match index returns."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"c96e1576d467","_type":"block","children":[{"_key":"6284f539b6c3","_type":"span","marks":[],"text":""},{"_key":"626039451657","_type":"mainAnchor","pageAnchor":{"_ref":"957565b7-0e48-493b-b2c8-f9c293e8527a","_type":"reference"}},{"_key":"7e555a475dfb","_type":"span","marks":[],"text":"What are the most popular ETFs in 2025?"}],"markDefs":[],"style":"h3"},{"_key":"50e1dcc85dba","_type":"block","children":[{"_key":"7ef8485bb4a6","_type":"span","marks":[],"text":"Curious where other investors are putting their money right now? Each month, we go straight to the source - top UK platforms like AJ Bell, Fidelity, Hargreaves Lansdown and interactive investor - to find out which ETFs are trending."}],"markDefs":[],"style":"normal"},{"_key":"32f226649c67","_type":"block","children":[{"_key":"f10106dc09d9","_type":"span","marks":[],"text":"Whether you're after inspiration, reassurance, or just a nosey peek at the crowd favourites, our regularly updated list reveals which ETFs are winning the popularity contest. Click below to see the latest chart-toppers and discover the ETFs investors are backing this month."}],"markDefs":[],"style":"normal"},{"_key":"c38e88e7be08","_type":"block","children":[{"_key":"51f495d30d43","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"8b7dea2bda41","_type":"block","children":[{"_key":"39be579df116","_type":"span","marks":["strong"],"text":"Best-selling funds, Investment Trusts and ETFs of the month"}],"markDefs":[],"style":"normal"}],"_key":"a75da29311c2","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"aadcd51e-3d7b-47ae-94da-4226f4f25ea8","_type":"reference"},"text":"CLICK HERE"},{"_key":"ae1f95cedf49","_type":"block","children":[{"_key":"d713808ae15c","_type":"span","marks":[],"text":""},{"_key":"f72f60c0983b","_type":"mainAnchor","pageAnchor":{"_ref":"34b1353a-e3e4-4949-a55d-dde0ba144f90","_type":"reference"}},{"_key":"4fec03eb05d3","_type":"span","marks":[],"text":"Key takeaways on ETFs"}],"markDefs":[],"style":"h2"},{"_key":"198ddfc75049","_type":"block","children":[{"_key":"218f107231d4","_type":"span","marks":[],"text":"💰 Easy diversification at low cost"}],"markDefs":[],"style":"h3"},{"_key":"286377f939d8","_type":"block","children":[{"_key":"a2f9c6206de3","_type":"span","marks":[],"text":"ETFs are a simple way to diversify your portfolio without having to pick individual stocks. They offer broad market exposure (e.g., global or sector-specific indices) usually at a lower cost to actively managed funds, making them ideal for beginner investors looking to build a low-maintenance portfolio."}],"markDefs":[],"style":"normal"},{"_key":"02935918ca93","_type":"block","children":[{"_key":"04d0ba4ed0c9","_type":"span","marks":[],"text":"💭 Choose between active and passive "}],"markDefs":[],"style":"h3"},{"_key":"624b809b0419","_type":"block","children":[{"_key":"bb32e5b61ec7","_type":"span","marks":[],"text":"Deciding whether to invest in passive or active ETFs depends on your investment goals. Passive ETFs track a market index and typically have lower fees, while active ETFs are managed by professionals aiming to beat the market. For most beginners, passive ETFs are a great starting point, offering stable, long-term growth potential."}],"markDefs":[],"style":"normal"},{"_key":"47c617dae2b6","_type":"block","children":[{"_key":"2d483787d393","_type":"span","marks":[],"text":"📈 Understand costs and trading dynamics"}],"markDefs":[],"style":"h3"},{"_key":"505ff6ddcfd1","_type":"block","children":[{"_key":"ad2c6e092fd5","_type":"span","marks":[],"text":"While ETFs generally have low fees, it's essential to understand all the costs involved, such as commission fees and the bid-ask spread. ETFs trade like stocks, meaning you can buy or sell anytime during market hours. However, be aware of potential price fluctuations based on demand and supply, especially in niche markets."}],"markDefs":[],"style":"normal"},{"_key":"1d59810c0821","_type":"block","children":[{"_key":"c5055dbdfd8f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"89202e17d1dd","_type":"block","children":[{"_key":"f63fe2ae85cc","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"11eed913b2aa","_type":"block","children":[{"_key":"b95466f10234","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7a3791858955","_type":"block","children":[{"_key":"699651af7e14","_type":"span","marks":[],"text":"[1] "},{"_key":"ae7276ad1c35","_type":"span","marks":["da4d0749d56f"],"text":"Fidelity, January 2025"}],"markDefs":[{"_key":"da4d0749d56f","_type":"internalLinkPick","reference":{"_ref":"cd42b887-ca6d-491e-a878-46714bce07e6","_type":"reference"}}],"style":"normal"}],"brazeCustomAttributes":[{"_key":"52189da98b0e","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_Article_Gated","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/etfs/"}],"categories":[{"_key":"9812e902959a","_ref":"a9695476-b643-4a18-be2a-e8dbf3420afd","_type":"reference"},{"_key":"3b450247e67d","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"3b9e172aceca","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"}],"content":[],"emailSignupWidgetButtonText":"JOIN US","emailSignupWidgetParagraphText":"Join us for free and gain access to award-winning, jargon-free guidance that makes complex money topics both understandable and actionable. Compare investment platforms, ISAs, and pensions through objective reviews and user ratings to find the perfect home for your money. Cut through the financial noise with expert guidance that empowers you to make smarter investment decisions without the confusing terminology that often surrounds personal finance.","enableGatedContent":true,"excerpt":[{"_key":"98dd0dbb9d5a","_type":"block","children":[{"_key":"bd51787a25a9","_type":"span","marks":[],"text":"Discover how Exchange-Traded Funds (ETFs) work in our beginner-friendly guide. Learn about diversification benefits, low costs, trading basics, and how to choose the right ETFs for your investment goals in 2025."}],"markDefs":[],"style":"normal"}],"gateStyle":"Original - Faded","gatedContentBody":[{"_key":"ee8cf9beea42","_type":"block","children":[{"_key":"403559427f68","_type":"span","marks":[],"text":"ETFs (Exchange-Traded Funds) have exploded in popularity, with global values exceeding $10.4 trillion in 2024. These ready-made investment bundles trade like shares but contain many assets – like getting the entire Top 40 chart in one purchase."}],"markDefs":[],"style":"normal"},{"_key":"100942ec38ca","_type":"block","children":[{"_key":"f15eee7cb8ae","_type":"span","marks":[],"text":"Why Investors Love ETFs"}],"markDefs":[],"style":"h2"},{"_key":"3e9823a4b3f7","_type":"block","children":[{"_key":"6c4b7e0f635b","_type":"span","marks":[],"text":"ETFs offer instant diversification across companies, sectors, or themes while keeping costs low. Most track market indices passively, meaning no expensive fund manager – so more of your money stays invested and growing."}],"markDefs":[],"style":"normal"},{"_key":"490448975609","_type":"block","children":[{"_key":"56f3e1598cd6","_type":"span","marks":[],"text":"Perfect if you're new to investing, cost-conscious, or want broad market exposure without picking individual shares."}],"markDefs":[],"style":"normal"},{"_key":"85a496e1722e","_type":"block","children":[{"_key":"9792dbb3e19c","_type":"span","marks":[],"text":"Worth Considering"}],"markDefs":[],"style":"h2"},{"_key":"9d4b2d21dff3","_type":"block","children":[{"_key":"0b519ce6049d","_type":"span","marks":[],"text":"ETFs aren't ideal for everyone. You can't pick the companies inside them (challenging for ethical investors), and owning multiple ETFs might mean unknowingly doubling up on the same investments."}],"markDefs":[],"style":"normal"},{"_key":"5ef4283a5d44","_type":"block","children":[{"_key":"605466820c68","_type":"span","marks":[],"text":"Continue reading our comprehensive guide below."}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":false,"linkMenu":[{"_key":"1cc597c5ce17","_ref":"ff192dd4-e800-412b-9ea1-a785a66550ba","_type":"reference"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-fe162accb7da262d17df275b156f8e12c0d014d1-1920x1080-png","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"c69c3651-50cc-4bc5-8e3e-87bd5c9f0b7f","_type":"reference"},"publishedAt":"2025-05-15T11:34:57.647Z","slug":{"_type":"slug","current":"etfs"},"subfolder":{"_ref":"1e199c4b-b2a5-4733-b5fb-18b5874bd698","_type":"reference"},"template":"C-SB","textNextToKey":"Sign up for free to read more!","theme":"Boring Money theme","title":"ETFs Explained: A Comprehensive Guide for New Investors","widgets":[{"_key":"3da49e60ae25","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"},{"_key":"946d1bcbc517","_ref":"3a6edac9-161a-4f04-9675-c3dbaeffad1b","_type":"reference"},{"_key":"2ca52feb8f98","_ref":"3fefd2ec-9177-427c-9149-529cd1417d24","_type":"reference"}],"id":"-b9c0d3ad-9742-5875-8a02-546ad55d27f8","children":[],"parent":null},"title":"ETFs"}],"breadcrumbName":"ETF Guide","id":"-00e62883-0a68-50fa-8fc3-b22731dd3a85","children":[],"parent":null},"publishedAt":"2025-05-15T11:34:57.647Z","slug":{"_type":"slug","current":"etfs"},"subfolder":{"_id":"1e199c4b-b2a5-4733-b5fb-18b5874bd698","_type":"folderCategory","_rev":"ofM7EIDfnwHVEh3rYtjUCp","_createdAt":"2021-05-11T09:25:24Z","_updatedAt":"2021-05-11T09:25:24Z","description":"/learn/investing-guides/","folder":"/learn/investing-guides/","id":"-9df7497e-161e-510e-b043-e8fd0f288650","children":[],"parent":null},"template":"C-SB","textNextToKey":"Sign up for free to read more!","theme":"Boring Money theme","title":"ETFs Explained: A Comprehensive Guide for New Investors","widgets":[{"_id":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"widgetCategory","_rev":"6AfP3xqI2sTk1rcr1kqY3C","_createdAt":"2023-10-19T15:43:42Z","_updatedAt":"2024-07-03T09:31:20Z","body":[{"_key":"63e5f12073a5","_type":"block","children":[{"_key":"d5d397dd4cdf","_type":"span","marks":[],"text":"Join our Research Panel"}],"markDefs":[],"style":"h4"},{"_key":"9d6941374f0a","_type":"block","children":[{"_key":"1867bfe56a21","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19a818c5c3ad","_type":"block","children":[{"_key":"9a839e0551030","_type":"span","marks":[],"text":"Join thousands of people earning cash or rewards for giving their honest feedback. Click here to become a member of the Boring Money Research Panel today!"}],"markDefs":[],"style":"normal"},{"_key":"67e84088f0cd","_type":"block","children":[{"_key":"696b7993b062","_type":"span","marks":["strong"],"text":"Click here to get started!"}],"markDefs":[],"style":"normal"}],"linkReference":{"_id":"04249739-c1d1-4d9d-83eb-cd744f57ff49","_type":"landingPage","_rev":"6GQVMObKpWvjCX4LMv16E8","_createdAt":"2022-10-17T14:37:39Z","_updatedAt":"2025-05-13T16:31:52Z","content":[{"_key":"74e7fd3abf29","_type":"breadcrumb","breadcrumbs":[{"_key":"760b0d086b58","_type":"breadcrumbReference","linkReference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"title":"Home"},{"_key":"51053ad53a6c","_type":"breadcrumbReference","linkReference":{"_ref":"04249739-c1d1-4d9d-83eb-cd744f57ff49","_type":"reference"},"title":"Join our Research Panel"}]},{"_key":"a2a6be9a8635","_type":"heroSection","alignment":"Text Right","brazeCustomAttributes":[{"_key":"67f0ea99eda3","_type":"brazeCustomAttribute","customAttributeKey":"Army_Registered","customAttributeValue":"true"}],"introPara":[{"_key":"2c329b713300","_type":"block","children":[{"_key":"0c24a9062019","_type":"span","marks":[],"text":"Join our Research Panel"}],"markDefs":[],"style":"h1"},{"_key":"672b6cabc1a4","_type":"block","children":[{"_key":"0616bdbc497e0","_type":"span","marks":[],"text":"Our aim is to make the world of finance more transparent and clearer to understand. To do that, we need "},{"_key":"3302b649ba84","_type":"span","marks":["em"],"text":"you "},{"_key":"bc3dd484ce7f","_type":"span","marks":[],"text":"to try things out, share your opinions, and tell us what you like. Join now, share your views and earn money in the process!"}],"markDefs":[],"style":"normal"},{"_key":"ba6596789058","_type":"dataCaptureForm","brazeCustomAttributes":[{"_key":"107edd26f870","_type":"brazeCustomAttribute","customAttributeKey":"Army_Registered","customAttributeValue":"TRUE"}],"dataCaptureInputs":[{"_key":"b6963c60830a","_type":"dataCaptureInputItem","inputFieldLabel":"Join now","inputFieldPlaceholderText":"Enter your email","inputFieldType":"Email","requiredField":true}],"linkText":"START REGISTRATION","signupRedirectLink":"/boring-money-army-new-member-survey/"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-0257851b48d343eb46fdd3cf8352218cbf8351dc-3840x2160-png","_type":"reference"}},"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"showEmailCapture":false,"styles":"Half-Padding-White","thankYouText":[{"_key":"bf44527c5651","_type":"block","children":[{"_key":"aada7930f5a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h2"}],"title":"We're on a mission!"},{"_key":"ae17bd7c3627ee07d8e89dc0d604cb72","_type":"heroSection","alignment":"Text Left","introPara":[{"_key":"68e164de91c1","_type":"block","children":[{"_key":"8cdb10a201db","_type":"span","marks":[],"text":"Our financial investment projects are conducted periodically throughout the year. Panel members are selected based on project needs, and compensation is provided at market rates."}],"markDefs":[],"style":"normal"},{"_key":"59c83fb1810c","_type":"block","children":[{"_key":"5d5676314fe1","_type":"span","marks":[],"text":"Selection for surveys depends on the information provided in your onboarding survey, including details about your investment holdings, personal circumstances, and the specific research requirements.\n\nAdditionally, we periodically host competitions. Keep an eye out for updates, as we value community input during such events."}],"markDefs":[],"style":"normal"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-1c8144ee166236b51b9e465cfb7d7823600ffb7e-1920x1080-gif","_type":"reference"}},"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"showEmailCapture":false,"styles":"Half-Padding-White","thankYouText":[{"_key":"bf44527c5651","_type":"block","children":[{"_key":"aada7930f5a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h2"}],"title":"4 steps"},{"_key":"d4cb2e98d7e9","_type":"heroSection","alignment":"Text Left","introPara":[{"_key":"757beedbcf67","_type":"block","children":[{"_key":"0cb001c1c24f","_type":"span","marks":[],"text":"As a member of our Research Panel, you will:"}],"markDefs":[],"style":"h2"},{"_key":"a0f14a78f8ae","_type":"block","children":[{"_key":"0d7ac368fd9c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ea4be68eb6ff","_type":"block","children":[{"_key":"362c1304b243","_type":"span","marks":["strong"],"text":"- Participate in surveys and interviews of varying length and time commitments to suit you"}],"markDefs":[],"style":"normal"},{"_key":"8db92efdf5fc","_type":"block","children":[{"_key":"469a26997f0f","_type":"span","marks":["strong"],"text":"- Earn market research rates for your input"}],"markDefs":[],"style":"normal"},{"_key":"d9af5dab90aa","_type":"block","children":[{"_key":"f3988462b788","_type":"span","marks":["strong"],"text":"- Help us to help financial providers do better!"}],"markDefs":[],"style":"normal"},{"_key":"b01ee0ca0d5f","_type":"block","children":[{"_key":"19542cae94a5","_type":"span","marks":["em"],"text":"*We will not share your data with any third-party organisations. Boring Money research is all carried out in line with the Market Research Society’s Code of Conduct and the General Data Protection Regulation (GDPR)."}],"markDefs":[],"style":"small"}],"mainImage":{"_type":"mainImage","alt":"Join our research panel ","asset":{"_ref":"image-cb073362bd966c54fb865f9842900bdf044c16ff-997x574-png","_type":"reference"}},"reference":{"_ref":"04249739-c1d1-4d9d-83eb-cd744f57ff49","_type":"reference"},"styles":"Half-Padding-White","title":"Join our research panel"}],"publishedAt":"2022-10-17T14:22:47.096Z","slug":{"_type":"slug","current":"the-boring-money-army-wants-you"},"subfolder":{"_ref":"83495465-d1dd-4049-a955-b065009036e6","_type":"reference"},"subtitle":"Help our financially confused nation and make a few quid","theme":"Boring Money theme","title":"Join the Boring Money Research Panel","id":"-9872e0f5-bb4e-52ef-8be4-56cb16b4cdc5","children":[],"parent":null},"mainImage":{"_type":"mainImage","asset":{"_id":"image-0257851b48d343eb46fdd3cf8352218cbf8351dc-3840x2160-png","_type":"sanity.imageAsset","_rev":"w5vHLm19hF0S5wj1e5Kd1K","_createdAt":"2023-10-19T16:16:41Z","_updatedAt":"2023-10-19T16:16:41Z","assetId":"0257851b48d343eb46fdd3cf8352218cbf8351dc","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"MXPZllNe?vo}?b~qr^NGovV?~qnmIVocRP","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.7777777777777777,"height":2160,"width":3840},"hasAlpha":true,"isOpaque":true,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#232740","foreground":"#fff","population":0.66,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#040a09","foreground":"#fff","population":0.77,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#934f6a","foreground":"#fff","population":3.92,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#c49c9f","foreground":"#000","population":2.15,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#ead893","foreground":"#000","population":1.8,"title":"#000"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#934f6a","foreground":"#fff","population":3.92,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#58ec73","foreground":"#000","population":0.15,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"Join the Research Panel Widget (3).png","path":"images/k8qzcdw3/prod1503/0257851b48d343eb46fdd3cf8352218cbf8351dc-3840x2160.png","sha1hash":"0257851b48d343eb46fdd3cf8352218cbf8351dc","size":3241819,"uploadId":"gruv6iiCWQwMTeUbvL4BtT9XimWM06ag","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/0257851b48d343eb46fdd3cf8352218cbf8351dc-3840x2160.png","filename":"Join the Research Panel Widget (3).png","width":3840,"height":2160,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/0257851b48d343eb46fdd3cf8352218cbf8351dc-3840x2160.png?rect=1200,0,1440,2160&w=%width%&h=%height%&q=80","id":"image-0257851b48d343eb46fdd3cf8352218cbf8351dc-3840x2160-png","children":[],"parent":null}},"title":"Join our research panel","widgetType":{"_id":"669510d5-9577-4ce3-b9f5-17a73b44c59d","_type":"widgetTypes","_rev":"DsHc46whJxIpNrcPyQeVGy","_createdAt":"2021-07-02T13:00:28Z","_updatedAt":"2021-07-02T13:00:28Z","title":"Image + text + link","id":"-cddbfca0-b9a5-5835-a5d3-c98208b12cdc","children":[],"parent":null},"id":"-f501c2f7-ff3e-5ac8-88b4-f5c5c30b9a2c","children":[],"parent":null},{"_id":"3a6edac9-161a-4f04-9675-c3dbaeffad1b","_type":"widgetCategory","_rev":"BR99o6YSojcZSyho0dd8B0","_createdAt":"2021-08-10T13:55:48Z","_updatedAt":"2026-01-29T16:29:57Z","_system":{"base":{"id":"3a6edac9-161a-4f04-9675-c3dbaeffad1b","rev":"zvaiullU3KBZLgV7TnqhzB"}},"body":[{"_key":"fe7dec8f6cdd","_type":"block","children":[{"_key":"3e57b8fb67540","_type":"span","marks":[],"text":"Best Buy Award Winners 2026"}],"markDefs":[],"style":"h4"},{"_key":"f0ac67be1f67","_type":"block","children":[{"_key":"5463fe180669","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"small"},{"_key":"ef7335dd0c01","_type":"block","children":[{"_key":"0f008af7c31c","_type":"span","marks":[],"text":"Check out the winners of our coveted awards to see the very best investment providers on the market. "}],"markDefs":[],"style":"normal"},{"_key":"29620f8d8aad","_type":"block","children":[{"_key":"15f150ac8405","_type":"span","marks":["strong"],"text":"Click here to unveil the 2026 winners!"}],"markDefs":[],"style":"normal"}],"linkReference":{"_id":"d59e0a0a-cd68-4fd0-86b0-36b376011dcb","_type":"landingPage","_rev":"4lXD1QprlKmqniOHbXpl0E","_createdAt":"2026-01-19T14:17:18Z","_updatedAt":"2026-03-02T08:49:21Z","MainImage":{"_type":"mainImage","asset":{"_ref":"image-d8ead75d5bb23781a2d135de3474b45815b94d36-1920x1080-png","_type":"reference"},"blankAltTag":true},"_system":{"base":{"id":"d59e0a0a-cd68-4fd0-86b0-36b376011dcb","rev":"YjNvQx4tqfWKwO39EkAeqY"}},"brazeCustomAttributes":[{"_key":"52b78f20447e","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_BBawards2025","customAttributeValue":"https://www.boringmoney.co.uk/boring-money-awards-2025/"}],"content":[{"_key":"532aacaed780","_type":"breadcrumb","breadcrumbs":[{"_key":"41a90d918aec","_type":"breadcrumbReference","linkReference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"title":"Home"},{"_key":"170ee09e6b05","_type":"breadcrumbReference","linkReference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"title":"Compare Providers"},{"_key":"6cd5e5045a04","_type":"breadcrumbReference","linkReference":{"_ref":"d59e0a0a-cd68-4fd0-86b0-36b376011dcb","_type":"reference"},"title":"Boring Money Awards 2026"}]},{"_key":"5beb6f269b7d","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"4a0d8b812da0","_type":"block","children":[{"_key":"a544d22387d80","_type":"span","marks":[],"text":"The Boring Money Best Buy Awards 2026"}],"markDefs":[],"style":"h1"},{"_key":"48b827501d7e","_type":"block","children":[{"_key":"65065d8f15190","_type":"span","marks":[],"text":"We've been the independent voice cutting through the noise in UK investing for nine years. Through rigorous testing of live accounts, real conversations with providers, and insights from over 27,000 real investors, we spotlight the platforms that truly deliver. Our seal of approval carries weight across London's tubes, financial headlines, and boardrooms – because "},{"_key":"083b1416f7cd","_type":"span","marks":["strong"],"text":"when it comes to your money, excellence should never be boring."}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"211d238aa964","_type":"heroSection","alignment":"Text Right","introPara":[{"_key":"ffc7f0176d70","_type":"block","children":[{"_key":"d3864f4bca32","_type":"span","marks":[],"text":"Want more like this? Get Holly's weekly insights and plain English guides. Compare ISAs and pensions, track quarterly performance, calculate your retirement income, and ask our experts anything."}],"markDefs":[],"style":"normal"},{"_key":"348864c6e3d6","_type":"block","children":[{"_key":"73ed66b6a353","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"de5925df6fb1","_type":"block","children":[{"_key":"44846db4c444","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h4"}],"linkText":"SIGN UP ","reference":{"_ref":"7673170b-a867-4a7c-95e9-998e1ebd6a29","_type":"reference"},"showEmailCapture":false,"signupRedirectLink":"https://www.boringmoney.co.uk/sign-up","styles":"Half-Padding-White","thankYouText":[{"_key":"348864c6e3d6","_type":"block","children":[{"_key":"73ed66b6a353","_type":"span","marks":[],"text":"Thank you for joining the Boring Money community!"}],"markDefs":[],"style":"h4"}],"videoUrl":"https://vimeo.com/1159597812"},{"_key":"c13b7811af46","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"206a65f378ab","_type":"block","children":[{"_key":"8706b5ce4cc3","_type":"span","marks":[],"text":""},{"_key":"113e0315bdfa","_type":"mainAnchor","pageAnchor":{"_ref":"13ac0612-44c4-40a5-8c61-4c754d369d7b","_type":"reference"}},{"_key":"de6cb6123b22","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Anchor"},{"_key":"b820f333f7e6","_type":"bigBlockGroup","bigBlockItems":[{"_key":"f49c58243729","_type":"bigBlockItem","introPara":[{"_key":"01edf0252c4f","_type":"block","children":[{"_key":"bb911fd59dce","_type":"span","marks":[],"text":"The very best Stocks & Shares ISAs in the UK today for mainstream savers and investors."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-696d1a9f7f85c065083c1128c4eeb7cfbc9e50a5-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"5027ed98-4e53-4e94-8fc1-9d370b15dd5c","_type":"reference"},"title":"Best Buy ISA 2026"},{"_key":"12010eb95663","_type":"bigBlockItem","introPara":[{"_key":"f28628da7ae1","_type":"block","children":[{"_key":"b00e65f9cabb","_type":"span","marks":[],"text":"The best Pensions in the UK today for mainstream savers and investors."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best Buy Pension 2025","asset":{"_ref":"image-0cf9753fb7154e57d6a7dfe441545ab5d47fb560-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"7201f011-a435-4c0c-9de5-9f52ce8935c1","_type":"reference"},"title":"Best Buy Pension 2026"},{"_key":"0b88872a8827","_type":"bigBlockItem","introPara":[{"_key":"5eace0649759","_type":"block","children":[{"_key":"4083f7d8fdcd","_type":"span","marks":[],"text":"The best Stocks & Shares Lifetime ISAs in the UK today for those saving for retirement or their first property."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-96bf4d6ade36adf6b85ad5cd00f6071fd578652c-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"f19d87b4-1401-4194-861c-e296f293cd01","_type":"reference"},"title":"Best Buy LISA 2026"},{"_key":"e11d1bd055a5","_type":"bigBlockItem","introPara":[{"_key":"a1567ba3ef32","_type":"block","children":[{"_key":"edcc76d1d9b6","_type":"span","marks":[],"text":"The best Stocks & Shares Junior ISAs in the UK today for non-expert people saving for kids. "}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-7043b3e3d1c6395c8a3a59289ccff6cc18c42004-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"eb481fa3-abb2-495e-b75f-5c4ff4aee4ba","_type":"reference"},"title":"Best Buy JISA 2026"}],"equaliseHeight":true,"layout":"4x4","styles":"White","title":"Best buys isa pension lisa jisa","titleLineClamp":2},{"_key":"17b9996983dccf5ea8346bf7804b0c2d","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"98c9596df8f7","_type":"block","children":[{"_key":"27e5acb06881","_type":"span","marks":[],"text":"Boring Money Low-Cost Category Awards"}],"markDefs":[],"style":"h1"},{"_key":"1c11cd2ec8bd","_type":"block","children":[{"_key":"38b8ac7ea50a0","_type":"span","marks":[],"text":"Cost-effectiveness awards are granted based on platform charges and total investment costs across various portfolio sizes. Providers must offer mutual funds and direct share access, with evaluations focused purely on costs rather than customer feedback or feature testing."}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"1874c54df81a0af315ac78f03fc300f3","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2055d8357d7e","_type":"bigBlockItem","introPara":[{"_key":"4c9791eed227","_type":"block","children":[{"_key":"63f17c589ddc","_type":"span","marks":[],"text":"A pure cost comparison of platform fees and ready-made portfolios, without factoring in other criteria."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-49c822395ae1ef7bdefd40425b3b2e1494c5168e-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"e91598d9-23eb-40e6-a16c-48bd56cf5085","_type":"reference"},"title":"Best For Low-Cost ISA "},{"_key":"55a78cea0d48","_type":"bigBlockItem","introPara":[{"_key":"9476800d2c84","_type":"block","children":[{"_key":"7e01dc0e351b","_type":"span","marks":[],"text":"The lowest cost ISA providers in the UK for investors looking to"},{"_key":"1048b0313265","_type":"span","marks":["strong"],"text":" invest in funds and shares"},{"_key":"c08d60f5ff88","_type":"span","marks":[],"text":"."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best for Low-Cost ISA Funds and Shares","asset":{"_ref":"image-2521348fc762a66b72eec8eaf843fc526c300156-1920x1080-png","_type":"reference"}},"reference":{"_ref":"350c78f7-1c3a-4dbe-9326-af7ee33b0241","_type":"reference"},"title":"Best For Low-Cost ISA Funds and Shares"},{"_key":"379cdf2b24ce","_type":"bigBlockItem","introPara":[{"_key":"a88d7df1e68a","_type":"block","children":[{"_key":"f47e45f5aa36","_type":"span","marks":[],"text":""},{"_key":"dbc6f43afe87","_type":"mainAnchor","pageAnchor":{"_ref":"ba89e21a-2775-4127-84b4-80cc318ef4d8","_type":"reference"}},{"_key":"9a87a3c991b8","_type":"span","marks":[],"text":"The lowest cost Pensions in the UK for investors with "},{"_key":"fdfd3d44bdfc","_type":"span","marks":["strong"],"text":"less than"},{"_key":"8077226211b9","_type":"span","marks":[],"text":" £50,000 in their account."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best for Low-Cost Pension <£50k 2025","asset":{"_ref":"image-60ebabcffde6c5b58ec9ca98f2e6f94397372d6b-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"6b117d65-8d5f-4b41-ab76-72ad931731a5","_type":"reference"},"title":"Best For Low-Cost Pension <£50k 2026"},{"_key":"aa324bac8ec4","_type":"bigBlockItem","introPara":[{"_key":"b635358c7e07","_type":"block","children":[{"_key":"c61ee9c32387","_type":"span","marks":[],"text":"The lowest cost Pensions in the UK for investors with "},{"_key":"de6d5b104def","_type":"span","marks":["strong"],"text":"more than"},{"_key":"6e0a6b78de44","_type":"span","marks":[],"text":" £50,000 in their account."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-09871bcb1f707a72a915db1cc6393ceea8c05794-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"5d832fbc-0ae5-4b84-ba4f-34987cda454f","_type":"reference"},"title":"Best For Low-Cost Pension >£50k 2026"}],"equaliseHeight":true,"layout":"4x4","styles":"White","title":"Best buys los cost isa sipp ","titleLineClamp":2},{"_key":"45a87a28b7c090b0b0adc0ff59a6a9f0","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"98c9596df8f7","_type":"block","children":[{"_key":"27e5acb06881","_type":"span","marks":[],"text":"Boring Money Category Awards "}],"markDefs":[],"style":"h1"},{"_key":"96c7b52e6b10","_type":"block","children":[{"_key":"3ce48005ba320","_type":"span","marks":[],"text":"Six specialised awards recognise excellence across key investment categories: mobile app functionality, beginner-friendly platforms, share trading capabilities, customer service quality, research tools, and investment trust offerings. Each award focuses on specific criteria such as ease of use, customer support, platform features, and overall user experience in the UK investment market."}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"babe91a75f02a6d02751d990b11aa446","_type":"bigBlockGroup","bigBlockItems":[{"_key":"8ebdfdf87ca4","_type":"bigBlockItem","introPara":[{"_key":"8d02f63d9491","_type":"block","children":[{"_key":"7c201c0969d6","_type":"span","marks":[],"text":"The best, easy-to-use, informative, and functional investment apps in the UK today."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best Investment App 2024","asset":{"_ref":"image-a830f8b30a05621e65dfdbe37136e3d5155344e7-1920x1080-png","_type":"reference"}},"reference":{"_ref":"c52d4936-8968-48a4-aa7b-340d530c31f6","_type":"reference"},"title":"Best App 2026"},{"_key":"67e1a9c3f5ac","_type":"bigBlockItem","introPara":[{"_key":"1ebe96ad316a","_type":"block","children":[{"_key":"d3bdfea5de6b","_type":"span","marks":[],"text":"The best providers in the UK with information, support and guidance for those who want a helping hand."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-9e9e037291e7c4d4a8d8102836d2d98e8edc7b18-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"cf000c0d-da94-4dff-b155-cfa36df15849","_type":"reference"},"title":"Best For Customer Service 2026"},{"_key":"a567d1b76270","_type":"bigBlockItem","introPara":[{"_key":"cbda18b3db28","_type":"block","children":[{"_key":"4509f069c5db","_type":"span","marks":[],"text":"These providers offer the best experience and overall support for beginner investors in the UK today. "}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best for Beginners 2024","asset":{"_ref":"image-cc15723dc746c86fbeff94e81b37f3aae7e4a767-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"b5821c35-fa71-43c3-8f89-cc7b29ad9030","_type":"reference"},"title":"Best For Beginners 2026"},{"_key":"e2efb787cc5c","_type":"bigBlockItem","introPara":[{"_key":"63fd501e86ea","_type":"block","children":[{"_key":"98912c9de854","_type":"span","marks":[],"text":"The best trading platforms in the UK based on customer reviews, ease of use and our live account testing."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","alt":"Best for Share Traders","asset":{"_ref":"image-082bfe73df548742cebeaecdc775e2a160d8dec7-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"2d69df37-02bf-43eb-aed4-2624da81fbf6","_type":"reference"},"title":"Best For Share Traders 2026"},{"_key":"aed8c65fd17bc385c0e160ab5317ccb4","_type":"bigBlockItem","introPara":[{"_key":"b5e310ef72e6","_type":"block","children":[{"_key":"e137df6c62140","_type":"span","marks":[],"text":"The best providers in the UK for information, support, and guidance across phone channels, support online and web chat."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-4ca33baba496cb3024aecb04e0c69e98ce4613cc-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"e7545c7c-d8ef-466a-9584-d7defd1f3d92","_type":"reference"},"title":"Best For Investment Trusts 2026"},{"_key":"d60a2704e088382b12d71a3a4ac59397","_type":"bigBlockItem","introPara":[{"_key":"9126c7aa363f","_type":"block","children":[{"_key":"0497d2a46dc9","_type":"span","marks":[],"text":""},{"_key":"598948244938","_type":"mainAnchor","pageAnchor":{"_ref":"cfa94b67-b75a-4723-98e0-81fa96b3fcf6","_type":"reference"}},{"_key":"7b72b358e174","_type":"span","marks":[],"text":"The best providers in the UK for innovative features, portfolio analysis tools and range of investments. "}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-d87d9d4221c44155296ca39a17c9ec9b0b0e70b1-1920x1080-png","_type":"reference"}},"reference":{"_ref":"fd1265b0-5026-4289-bb17-5ff598f43003","_type":"reference"},"title":"Best For Investment Research 2026"},{"_key":"98807c96da42","_type":"bigBlockItem","introPara":[{"_key":"922fcee03f62","_type":"block","children":[{"_key":"f82d0fc72f31","_type":"span","marks":[],"text":"Winners demonstrated excellence in comprehensive testing of costs across scenarios, fee transparency, ETF selection breadth, analysis quality, intuitive user experience, and smooth dealing processes."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-1ad9f02d9619e9e82cd1bad7315e76e442be320f-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"dffe053f-7335-4f38-a152-f1bccfc5b618","_type":"reference"},"title":"Best For ETFs 2026"},{"_key":"26c4c34523bd","_type":"bigBlockItem","introPara":[{"_key":"8f4cb5a248d3","_type":"block","children":[{"_key":"814b758fbfc5","_type":"span","marks":[],"text":"Winners offer best low-cost advice for £50k-£150k investors, assessed on charges, support quality, advice scope, consideration of wider finances, eligibility requirements, and overall process ease."}],"markDefs":[],"style":"normal"},{"_key":"07115bdca23e","_type":"block","children":[{"_key":"b5ec27e53e8e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-2ab3902a9ebafe21e5a198de952f2e2668be08ee-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"782623f9-a18b-49d4-8ff6-7cfbf37d24ef","_type":"reference"},"title":"Best For Low Cost Advice 2026"},{"_key":"4d5f2608e49a1e2a0e4d62691ce42a43","_type":"bigBlockItem","introPara":[{"_key":"f50a24b21f71","_type":"block","children":[{"_key":"138d4e06d957","_type":"span","marks":[],"text":"Winners delivered strong 5-year performance across low, medium and high-risk portfolios (based on equity allocation), with medium and high-risk options weighted more heavily in scoring."}],"markDefs":[],"style":"normal"}],"linkText":"SEE THE WINNERS","mainImage":{"_type":"mainImage","asset":{"_ref":"image-7dab71093578109ae6231294d179aff1744d65dc-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"e238f4c3-5d0e-4f7c-addd-322c85555b73","_type":"reference"},"title":"Best For Ready - Made Solutions 2026"}],"equaliseHeight":true,"layout":"4x4","styles":"White","title":"Category app, beginners, share traders, cs, ir, it, rm, etfs","titleLineClamp":2},{"_key":"dbf4b5de2169","_type":"smallSpacerBlock","styles":"White","title":"s"},{"_key":"32ac24f1f3d3","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"2c34f012909c","_type":"block","children":[{"_key":"784fc1284387","_type":"span","marks":[],"text":""},{"_key":"6c62e2471282","_type":"mainAnchor","pageAnchor":{"_ref":"bdb805f3-efc6-4ee0-afa7-62c2d44316e1","_type":"reference"}},{"_key":"6d2c94d5d2e6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Judged awards"},{"_key":"2678c6143023","_type":"tabsTextboxBlock","equaliseTabHeights":true,"styles":"Blue","tabs":[{"_key":"837f833115d4","_type":"tabsTextboxItem","customTabText":[{"_key":"0a7368475fd9","_type":"block","children":[{"_key":"259400adf5be","_type":"span","marks":[],"text":"Boring Money Rated - Workplace Pensions"}],"markDefs":[],"style":"h4"},{"_key":"c72295df38d2","_type":"block","children":[{"_key":"8f7f9ea9866e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"image":{"_type":"mainImage","asset":{"_ref":"image-7f4d69c51c04014d86fbeb33e62434664ae4dacc-3201x3200-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","textParagraph":[{"_key":"6f80d10bab9d","_type":"block","children":[{"_key":"3085b5562edb","_type":"span","marks":["strong"],"text":"Looking for the best workplace pension provider? Our independent Boring Money Rated badge of recognition goes to "},{"_key":"434b743ebd37","_type":"span","marks":["strong","1a836c97fb5d"],"text":"Aviva"},{"_key":"022059c87097","_type":"span","marks":["strong"],"text":", Fidelity, "},{"_key":"e13ec2dd6a47","_type":"span","marks":["strong","6fede026805a"],"text":"Royal London"},{"_key":"9a88fa229211","_type":"span","marks":["strong"],"text":", and Scottish Widows."}],"markDefs":[{"_key":"1a836c97fb5d","_type":"internalLinkPick","reference":{"_ref":"dfed6c73-aa35-405f-8c23-c007b42bc180","_type":"reference"}},{"_key":"6fede026805a","_type":"internalLinkPick","blank":true,"reference":{"_ref":"49baad15-f7c6-4709-9329-9b19256dc0f4","_type":"reference"}}],"style":"normal"},{"_key":"7115b1d732e7","_type":"block","children":[{"_key":"8a1523fbf5d2","_type":"span","marks":[],"text":"These providers earned our badge of recognition through our rigorous four-pillar assessment system, combining independent expert evaluation with real customer feedback to identify the workplace pensions that truly deliver for members and employers."}],"markDefs":[],"style":"normal"}]},{"_key":"9a9904df8dd9","_type":"tabsTextboxItem","customTabText":[{"_key":"2ed3459b705c","_type":"block","children":[{"_key":"acc2eeb0d546","_type":"span","marks":[],"text":""},{"_key":"0e4121f4a450","_type":"mainAnchor","pageAnchor":{"_ref":"d38f27d8-2458-42bb-84f2-99b7c1f1e5c0","_type":"reference"}},{"_key":"c420aedbf8360","_type":"span","marks":[],"text":"Value For Money Award"}],"markDefs":[],"style":"h4"},{"_key":"4f7157ac071e","_type":"block","children":[{"_key":"3a3278df3bf10","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"fullSizeImage":{"_type":"mainImage","blankAltTag":false},"image":{"_type":"mainImage","asset":{"_ref":"image-186c5884d16e6af976472580e3bbd1e4cd202227-940x788-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","textParagraph":[{"_key":"971800712038","_type":"block","children":[{"_key":"c1e487a8f22d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"eaf78957902c","_type":"block","children":[{"_key":"7859c850d8af","_type":"span","marks":[],"text":"The winners of the Boring Money Value For Money Award 2026 are AJ Bell, Barclays Smart Investor, eToro, Freetrade, HSBC InvestDirect, interactive investor, J.P. Morgan Personal Investing, Lloyds Share Dealing, Moneybox, Monzo, NatWest Invest, PensionBee, Revolut, and Trading 212. These providers were selected entirely by real customers - over 27,000 investors rated their platforms for value for money throughout 2024, making this the only award decided by actual platform users, not analysts.\n"}],"markDefs":[],"style":"normal"},{"_key":"cf99b2710722","_type":"block","children":[{"_key":"73ac8c06a8a7","_type":"span","marks":["strong"],"text":"See the winners "},{"_key":"e5c3999900fd","_type":"span","marks":["aaf03d15ba19","strong"],"text":"here"},{"_key":"1953fffc243c","_type":"span","marks":["strong"],"text":"."}],"markDefs":[{"_key":"aaf03d15ba19","_type":"internalLinkPick","reference":{"_ref":"36b52c96-fecd-4690-b9eb-425132a031e4","_type":"reference"}}],"style":"normal"}]}]},{"_key":"5f2e74ef6578c744d7b566599dd8bb7d","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"95414b5c32a0","_type":"block","children":[{"_key":"50d62b660a5a","_type":"span","marks":[],"text":"How do we choose our winners?"}],"markDefs":[],"style":"h3"},{"_key":"caa226c4aba8","_type":"block","children":[{"_key":"49a089d80fae","_type":"span","marks":[],"text":"We scour the investment market using our 9 years' of experience, a combination of 40+ live accounts, 100s of hours of call centre testing, rigorous cost analysis from our team of in-house analysts, and over 27,000 real customer reviews to help you find the best home for your money. "},{"_key":"d6df569c7ea7","_type":"span","marks":["strong"],"text":"The result? A hand-picked selection of the very best investment providers on the market today."}],"markDefs":[],"style":"normal"},{"_key":"607ca39983f8","_type":"block","children":[{"_key":"6078ee38960e0","_type":"span","marks":[],"text":"‏‏‎ ‎"}],"markDefs":[],"style":"normal"}],"linkText":"OUR METHODOLOGY","reference":{"_ref":"9e12dca7-1836-4410-acc1-6bc412092eaf","_type":"reference"},"styles":"White"}],"emailSignupWidgetButtonText":"JOIN US","emailSignupWidgetParagraphText":"Winners 2025: The UK's top investment providers revealed!\n\n\n\n\n\n","enableGatedContent":false,"excerpt":[{"_key":"1b3e4946a28c","_type":"block","children":[{"_key":"7ee2f6e868600","_type":"span","marks":[],"text":"Explore the top investment providers of 2026 with Boring Money's Best Buy Awards. Our expert reviews and real customer feedback help you make informed investment decisions across all types of investments."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue background  - Text center - Slide up from bottom of page","gatedContentBody":[{"_key":"b4a916d8c413","_type":"heroSection","alignment":"Text Right","brazeCustomAttributes":[{"_key":"d4a0b2b3abe7","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_BBawards2025","customAttributeValue":"SIGNUPPAGE_BM_BBawards2025"}],"introPara":[{"_key":"0b57ad5bf6e9","_type":"block","children":[{"_key":"596844fa6f28","_type":"span","marks":[],"text":"How we choose the UK's best investment providers:"}],"markDefs":[],"style":"h1"},{"_key":"a1859fb62aae","_type":"block","children":[{"_key":"2c54bc15c6bf","_type":"span","marks":[],"text":"Is your investment provider truly giving you the best value? With fees potentially eating thousands from your investment returns and savings, choosing the right platform matters more than ever."}],"markDefs":[],"style":"normal"},{"_key":"892526ff0644","_type":"block","children":[{"_key":"c6d8ef30bde9","_type":"span","marks":[],"text":"Our 2025 Best Buy Awards cut through the noise to reveal which UK providers "},{"_key":"34f25c250535","_type":"span","marks":["em"],"text":"actually"},{"_key":"137a910faf1b","_type":"span","marks":[],"text":" deliver the best experience for investors like you. "}],"markDefs":[],"style":"normal"},{"_key":"5c01f4d7df5d","_type":"block","children":[{"_key":"c722ab57834a","_type":"span","marks":[],"text":"Based on over 22,000 customer reviews and months of rigorous testing, here's how we identify the companies worth your money."}],"markDefs":[],"style":"normal"},{"_key":"82fb57fcc67c","_type":"block","children":[{"_key":"1f17b81fca2e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-d3f9efb1ce23be27e62043346c09f68519c5a2c3-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"f6da89af-f94e-4900-a721-74a59bfe90d3","_type":"reference"},"styles":"Half-Padding-White","thankYouText":[{"_key":"906e9c7f547b","_type":"block","children":[{"_key":"ae85e273070c0","_type":"span","marks":[],"text":"How We Choose the UK's Best Investment Platforms: "}],"markDefs":[],"style":"h1"},{"_key":"50a0f215b012","_type":"block","children":[{"_key":"28f30e4b547e0","_type":"span","marks":[],"text":"Is your investment platform truly giving you the best value? With fees potentially eating thousands from your retirement savings, choosing the right platform matters more than ever."}],"markDefs":[],"style":"normal"},{"_key":"69c01d3064fb","_type":"block","children":[{"_key":"62b8f572f9900","_type":"span","marks":[],"text":"Our 2025 Best Buy Awards cut through the marketing noise to reveal which UK investment platforms actually deliver the best experience for investors like you. Based on over 22,000 customer reviews and months of rigorous testing, here's how we identify the platforms worth your money."}],"markDefs":[],"style":"normal"},{"_key":"3da6e22a5c7b","_type":"block","children":[{"_key":"b8ca9bbeea280","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"How we choose the UK's best investment providers:"}],"gatedContentReadMoreText":[{"_key":"3bb30e26e786","_type":"block","children":[{"_key":"40f95b1ea0880","_type":"span","marks":[],"text":"\n🔒 Subscribers get exclusive access to:"}],"markDefs":[],"style":"normal"},{"_key":"80b73a1ae7a7","_type":"block","children":[{"_key":"d8e4f72a9741","_type":"span","marks":[],"text":"Complete rankings and detailed analysis of all winners"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"2d123d2b7f0e","_type":"block","children":[{"_key":"4b1bb4ef1e8b","_type":"span","marks":[],"text":"Cost comparison calculator for your portfolio size"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"35216fc6c13a","_type":"block","children":[{"_key":"8d81991fad18","_type":"span","marks":[],"text":"Platform selection tool based on your specific needs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"341ec0086c1a","_type":"block","children":[{"_key":"ad6ab0d71d02","_type":"span","marks":[],"text":"Expert insights on upcoming platform developments\n\n"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"isPrivatePage":false,"publishedAt":"1970-07-01T15:05:00.000Z","slug":{"_type":"slug","current":"boring-money-awards-2026"},"subfolder":{"_ref":"83495465-d1dd-4049-a955-b065009036e6","_type":"reference"},"textNextToKey":"Join 70,000+ investors getting our independent platform research - Free!","theme":"Boring Money theme","title":"Boring Money Best Buy Awards 2026","id":"-cd0f302b-a486-53c4-b446-99e6b82601a0","children":[],"parent":null},"mainImage":{"_type":"mainImage","alt":"Best Buy Award Winners 2025","asset":{"_id":"image-d8ead75d5bb23781a2d135de3474b45815b94d36-1920x1080-png","_type":"sanity.imageAsset","_rev":"3yUkCtfda5I95NWXKjbbng","_createdAt":"2026-01-28T17:13:14Z","_updatedAt":"2026-01-28T17:13:14Z","assetId":"d8ead75d5bb23781a2d135de3474b45815b94d36","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"MBQ08Z%0}[je.Q-Tnnj4a%S#?ZX4ScxZbF","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.7777777777777777,"height":1080,"width":1920},"hasAlpha":false,"isOpaque":true,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#353343","foreground":"#fff","population":4.8,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#91520c","foreground":"#fff","population":0.04,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#353343","foreground":"#fff","population":4.8,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#d9d5b6","foreground":"#000","population":1.8,"title":"#000"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#e3b799","foreground":"#000","population":1.29,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#a85f93","foreground":"#fff","population":1.74,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f46195","foreground":"#fff","population":0.73,"title":"#fff"}},"thumbHash":"NRgCBIL35uaHiIh9l3bcX52/eQ=="},"mimeType":"image/png","originalFilename":"BB JISA 2026 (1).png","path":"images/k8qzcdw3/prod1503/d8ead75d5bb23781a2d135de3474b45815b94d36-1920x1080.png","sha1hash":"d8ead75d5bb23781a2d135de3474b45815b94d36","size":693849,"uploadId":"MPpljnS3kPLLmNTLFUgjWemGq4aeBXCT","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/d8ead75d5bb23781a2d135de3474b45815b94d36-1920x1080.png","filename":"BB JISA 2026 (1).png","width":1920,"height":1080,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/d8ead75d5bb23781a2d135de3474b45815b94d36-1920x1080.png?rect=600,0,720,1080&w=%width%&h=%height%&q=80","id":"image-d8ead75d5bb23781a2d135de3474b45815b94d36-1920x1080-png","children":[],"parent":null},"blankAltTag":true},"title":"Best Buy Award Winners 2026","widgetType":{"_id":"669510d5-9577-4ce3-b9f5-17a73b44c59d","_type":"widgetTypes","_rev":"DsHc46whJxIpNrcPyQeVGy","_createdAt":"2021-07-02T13:00:28Z","_updatedAt":"2021-07-02T13:00:28Z","title":"Image + text + link","id":"-cddbfca0-b9a5-5835-a5d3-c98208b12cdc","children":[],"parent":null},"id":"-ff16e117-7a7b-5943-85c9-73c6b0d155d1","children":[],"parent":null},{"_id":"3fefd2ec-9177-427c-9149-529cd1417d24","_type":"widgetCategory","_rev":"mfgO8PbcFSLaqMaA8BmipS","_createdAt":"2021-07-28T08:56:55Z","_updatedAt":"2025-06-16T08:47:26Z","body":[{"_key":"2aa5b2aacbc9","_type":"block","children":[{"_key":"3ac8ab79e172","_type":"span","marks":[],"text":"Contact us"}],"markDefs":[],"style":"h4"},{"_key":"50da6f7a4168","_type":"block","children":[{"_key":"cbe5b44e78be","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f821331dc4dc","_type":"block","children":[{"_key":"c64105ad8f5c","_type":"span","marks":[],"text":"Have a question about money that we haven't answered? Need help making better money choices? "}],"markDefs":[],"style":"normal"},{"_key":"bd66c471e51a","_type":"block","children":[{"_key":"13924af1445a","_type":"span","marks":["strong"],"text":"Click here to contact our team."}],"markDefs":[],"style":"normal"}],"linkReference":{"_id":"789ad7dd-f1a8-4606-9075-20ecba5e0f6b","_type":"linkCategory","_rev":"lplVYZfWM6SeENm14p7rgN","_createdAt":"2022-10-11T10:42:09Z","_updatedAt":"2024-02-22T11:34:37Z","url":"mailto:community@boringmoney.co.uk","id":"-4036ead5-27b9-53f8-b172-b2a01e27899a","children":[],"parent":null},"mainImage":{"_type":"mainImage","alt":"Contact us","asset":{"_id":"image-e9a1e7125646cbb15c91c1ff25e6372e00bcd890-1920x1080-png","_type":"sanity.imageAsset","_rev":"F8NvwbY6Z75kXdJG8jOllB","_createdAt":"2023-10-18T15:17:41Z","_updatedAt":"2023-10-18T15:17:41Z","assetId":"e9a1e7125646cbb15c91c1ff25e6372e00bcd890","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"MFLgw,9PYR?w4T%NM^D*xuI9S]obITnN-;","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.7777777777777777,"height":1080,"width":1920},"hasAlpha":false,"isOpaque":true,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#43332d","foreground":"#fff","population":5.56,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#3d1f0b","foreground":"#fff","population":0.15,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#c3bca6","foreground":"#000","population":5.62,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#c3bca6","foreground":"#000","population":5.62,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#6162f2","foreground":"#fff","population":1.03,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#a88073","foreground":"#fff","population":5.03,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f0145a","foreground":"#fff","population":1.25,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"image.png","path":"images/k8qzcdw3/prod1503/e9a1e7125646cbb15c91c1ff25e6372e00bcd890-1920x1080.png","sha1hash":"e9a1e7125646cbb15c91c1ff25e6372e00bcd890","size":2236374,"uploadId":"hX2otwGzXwdfYc4238qQFYhCgMTgrv7V","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/e9a1e7125646cbb15c91c1ff25e6372e00bcd890-1920x1080.png","filename":"image.png","width":1920,"height":1080,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/e9a1e7125646cbb15c91c1ff25e6372e00bcd890-1920x1080.png?rect=600,0,720,1080&w=%width%&h=%height%&q=80","id":"image-e9a1e7125646cbb15c91c1ff25e6372e00bcd890-1920x1080-png","children":[],"parent":null}},"title":"Contact us","widgetType":{"_id":"669510d5-9577-4ce3-b9f5-17a73b44c59d","_type":"widgetTypes","_rev":"DsHc46whJxIpNrcPyQeVGy","_createdAt":"2021-07-02T13:00:28Z","_updatedAt":"2021-07-02T13:00:28Z","title":"Image + text + link","id":"-cddbfca0-b9a5-5835-a5d3-c98208b12cdc","children":[],"parent":null},"id":"-3372d7ad-076b-59de-ab05-cb9c3fdeaef7","children":[],"parent":null}],"id":"-b9c0d3ad-9742-5875-8a02-546ad55d27f8","children":[],"parent":null}}],"style":"normal"},{"_key":"53fcdaed0fcc","_type":"block","children":[{"_key":"01fa4050e92e","_type":"span","marks":[],"text":"How important is investment research for choosing investments?"}],"markDefs":[],"style":"h3"},{"_key":"c7f4805e6f91","_type":"block","children":[{"_key":"e545acbd43c5","_type":"span","marks":[],"text":"Investment research is crucial for making informed decisions and understanding what you're investing in. Good research helps you evaluate company financials, understand market trends, compare investment options, assess risks, and make evidence-based choices rather than following hunches. However, research quality matters more than quantity - Best Buy winners provide comprehensible, actionable research rather than overwhelming investors with data."}],"markDefs":[],"style":"normal"},{"_key":"dfd5f777548c","_type":"block","children":[{"_key":"a7539e188a96","_type":"span","marks":[],"text":"Do I need advanced research tools as a beginner investor?"}],"markDefs":[],"style":"h3"},{"_key":"90ebbfabbad3","_type":"block","children":[{"_key":"f8d36e0c94b7","_type":"span","marks":[],"text":"Beginner investors benefit more from clear educational content and basic research tools than advanced features. Best Buy Award winners like "},{"_key":"5b661ca88138","_type":"span","marks":["strong"],"text":"AJ Bell"},{"_key":"4e4446610244","_type":"span","marks":[],"text":" and "},{"_key":"3ee34afe3c5f","_type":"span","marks":["strong"],"text":"Hargreaves Lansdown"},{"_key":"c30edb301a61","_type":"span","marks":[],"text":" balance accessibility with depth, providing supporting information that helps beginners learn without overwhelming them. Start with fundamental research tools (company basics, fund fact sheets, market updates), then explore advanced features as your confidence grows."}],"markDefs":[],"style":"normal"},{"_key":"43308bc9a036","_type":"block","children":[{"_key":"3dc254ccf99d","_type":"span","marks":[],"text":"Which ISA is best for you?"}],"markDefs":[],"style":"h2"},{"_key":"d725c22b4030","_type":"block","children":[{"_key":"dae891af0602","_type":"span","marks":[],"text":"Are you looking to open an ISA but not sure who to turn to? Check our ISA comparison table to see what's out there! Read our full reviews for information on fees and charges, investment range, real customer reviews and more."}],"markDefs":[],"style":"normal"},{"_key":"b6e25fd5759c","_type":"block","children":[{"_key":"be883b634656","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"d5a3a350671a","_type":"block","children":[{"_key":"67df389eda63","_type":"span","marks":["strong"],"text":"Browse ISA providers"}],"markDefs":[],"style":"normal"}],"_key":"6ed7af08f1b0","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_id":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"landingPage","_rev":"HaE9Y1GS3p0U3ZL8s9Db87","_createdAt":"2021-11-25T16:01:50Z","_updatedAt":"2026-04-16T08:00:34Z","MainImage":{"_type":"mainImage","asset":{"_id":"image-ea564799e901c1cb8ff6b7a821741dc4060e2067-1920x1080-png","_type":"sanity.imageAsset","_rev":"SzgAsMO1t43GgLlhz7ZL4x","_createdAt":"2023-06-09T13:52:27Z","_updatedAt":"2023-06-09T13:52:27Z","assetId":"ea564799e901c1cb8ff6b7a821741dc4060e2067","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"MUQvgyt7M{t7.7t7oLoeofkA_MkBt7jaIV","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.7777777777777777,"height":1080,"width":1920},"hasAlpha":true,"isOpaque":true,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#35394c","foreground":"#fff","population":4.58,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#8f6616","foreground":"#fff","population":0.08,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#35394c","foreground":"#fff","population":4.58,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#ddd2b5","foreground":"#000","population":1.11,"title":"#000"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f06a9b","foreground":"#000","population":0.17,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#6a6c8b","foreground":"#fff","population":0.53,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#e13066","foreground":"#fff","population":1,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"Find the best ISA for you .png","path":"images/k8qzcdw3/prod1503/ea564799e901c1cb8ff6b7a821741dc4060e2067-1920x1080.png","sha1hash":"ea564799e901c1cb8ff6b7a821741dc4060e2067","size":575256,"uploadId":"eLYBxu3cWdtbV72i2eJdUee054jog9tb","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/ea564799e901c1cb8ff6b7a821741dc4060e2067-1920x1080.png","filename":"Find the best ISA for you .png","width":1920,"height":1080,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/ea564799e901c1cb8ff6b7a821741dc4060e2067-1920x1080.png?rect=600,0,720,1080&w=%width%&h=%height%&q=80","id":"image-ea564799e901c1cb8ff6b7a821741dc4060e2067-1920x1080-png","children":[],"parent":null},"blankAltTag":true},"_system":{"base":{"id":"7324b8af-c1eb-46a0-b36a-caa8783606e0","rev":"8LO5O2Z8C4HuWQBIqBln0u"}},"brazeCustomAttributes":[{"_key":"7fef522b26b4","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_COMPARE_TABLE","customAttributeValue":"https://www.boringmoney.co.uk/isas-pensions/isas-pensions/"}],"content":[{"_key":"b2abd2205459","_type":"headerBlock","alignment":"Center","desktopImage":{"_type":"mainImage","asset":{"_id":"image-bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300-png","_type":"sanity.imageAsset","_rev":"l1Md3CJJvIvGtdKzHhG7Lz","_createdAt":"2024-02-27T15:00:35Z","_updatedAt":"2024-02-27T15:00:35Z","assetId":"bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"4aPP.Pof%ftP~p","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":6.4,"height":300,"width":1920},"hasAlpha":true,"isOpaque":true,"lqip":"data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABQAAAADCAYAAACTWi8uAAAACXBIWXMAAA7EAAAOxAGVKw4bAAAA3klEQVQImQ3OXU+CYACAUX9/F205N1uJieVWOXS1wsytT5iaLEQrBEFdwOuyrWQIXj51fsHJbTeCLA6JVy6R06XfueKwUGJv54Db+g1ef8Bi/IrvjgkDh9XSJvjQsDoKl9UKSv2Cif1Oug7ZJoJclgjS3wAxN9HbCuflI6SiROO0wehBI7zTmN8/4VgG3tTCfdPptpuoJzJnlTItVcWf2iQ/AVkSkcs2gk0cEcxMrps1CvkiVbmGaeisFjbf1hBhDPicjJh5Q3rPLeSSRH53n2O5ykvvka+lT7KOSP+HfzuLyj667+crAAAAAElFTkSuQmCC","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#35394b","foreground":"#fff","population":6.68,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#8a601c","foreground":"#fff","population":0.18,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#35394b","foreground":"#fff","population":6.68,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#d7ceb5","foreground":"#000","population":2.6,"title":"#000"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#e5c295","foreground":"#000","population":1.59,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#ad974b","foreground":"#fff","population":1.56,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#d83766","foreground":"#fff","population":1.34,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"Untitled design (31).png","path":"images/k8qzcdw3/prod1503/bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300.png","sha1hash":"bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b","size":357241,"uploadId":"yXNf42GM24kpk9i6AWIzXeBKLggC1B2N","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300.png","filename":"Untitled design (31).png","width":1920,"height":300,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300.png?rect=860,0,200,300&w=%width%&h=%height%&q=80","id":"image-bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300-png","children":[],"parent":null}},"mobileImage":{"_type":"mainImage","alt":"Banner showcasing investment platforms ","asset":{"_id":"image-ec8911cbc4caaffabe66715bbe460c232a1e923c-600x250-png","_type":"sanity.imageAsset","_rev":"qYT7M4MIVLdNSfavopAZol","_createdAt":"2023-05-25T15:48:17Z","_updatedAt":"2023-05-25T15:48:17Z","assetId":"ec8911cbc4caaffabe66715bbe460c232a1e923c","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"MNRfXos:_Mx[Djt7bHt7jZR*-:kCIUWBxu","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":2.4,"height":250,"width":600},"hasAlpha":false,"isOpaque":true,"lqip":"data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABQAAAAICAIAAAB2/0i6AAAACXBIWXMAAAsSAAALEgHS3X78AAABCElEQVQYlYXP30uDUBQH8P3/j0EQFDTWKNwabKsG5uZqm0SpmIakLu9y915/1Ob0eq/usdhbWg2+LwfOh3O+tYIFP0J9mnjrYO6+GKakOqoCjAm2pXTlFMwvLddKM9m8e5b8KPK9iw53zHXPOn2uPb29gq7GMlSw8E+8zYN0DQxZ7LXOm6eNk8P60UG92WjP7kW8NHf438uMILjQFUmYDgeD/nWL646G44VrkmRZ0H1vFyzMYi/Q5Lcb/lkYPcwmmvaEkcMyXNms4jxkMUxkNbrkPeHO1hXb0n08pwRt872YBTRBMbA+dW1lGhF4xdD+iAAl5cK/45z6WYrIBtJdSAKzFOWVwt/4C9mUrDpHpIzJAAAAAElFTkSuQmCC","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#363747","foreground":"#fff","population":1.8,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#8c6814","foreground":"#fff","population":0.05,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#363747","foreground":"#fff","population":1.8,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#cacca4","foreground":"#000","population":0.02,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f45f97","foreground":"#fff","population":0.09,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#aa9550","foreground":"#fff","population":0.28,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#ec205f","foreground":"#fff","population":0.69,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"ISA_mobile.png","path":"images/k8qzcdw3/prod1503/ec8911cbc4caaffabe66715bbe460c232a1e923c-600x250.png","sha1hash":"ec8911cbc4caaffabe66715bbe460c232a1e923c","size":47893,"uploadId":"jGcBZ8mZ53QDbv18OMytqaSCtx6qycu3","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/ec8911cbc4caaffabe66715bbe460c232a1e923c-600x250.png","filename":"ISA_mobile.png","width":600,"height":250,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/ec8911cbc4caaffabe66715bbe460c232a1e923c-600x250.png?rect=217,0,167,250&w=%width%&h=%height%&q=80","id":"image-ec8911cbc4caaffabe66715bbe460c232a1e923c-600x250-png","children":[],"parent":null}},"reference":{"_id":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"landingPage","_rev":"HaE9Y1GS3p0U3ZL8s9Db87","_createdAt":"2021-11-25T16:01:50Z","_updatedAt":"2026-04-16T08:00:34Z","MainImage":{"_type":"mainImage","asset":{"_id":"image-ea564799e901c1cb8ff6b7a821741dc4060e2067-1920x1080-png","_type":"sanity.imageAsset","_rev":"SzgAsMO1t43GgLlhz7ZL4x","_createdAt":"2023-06-09T13:52:27Z","_updatedAt":"2023-06-09T13:52:27Z","assetId":"ea564799e901c1cb8ff6b7a821741dc4060e2067","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"MUQvgyt7M{t7.7t7oLoeofkA_MkBt7jaIV","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.7777777777777777,"height":1080,"width":1920},"hasAlpha":true,"isOpaque":true,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#35394c","foreground":"#fff","population":4.58,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#8f6616","foreground":"#fff","population":0.08,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#35394c","foreground":"#fff","population":4.58,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#ddd2b5","foreground":"#000","population":1.11,"title":"#000"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f06a9b","foreground":"#000","population":0.17,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#6a6c8b","foreground":"#fff","population":0.53,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#e13066","foreground":"#fff","population":1,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"Find the best ISA for you .png","path":"images/k8qzcdw3/prod1503/ea564799e901c1cb8ff6b7a821741dc4060e2067-1920x1080.png","sha1hash":"ea564799e901c1cb8ff6b7a821741dc4060e2067","size":575256,"uploadId":"eLYBxu3cWdtbV72i2eJdUee054jog9tb","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/ea564799e901c1cb8ff6b7a821741dc4060e2067-1920x1080.png","filename":"Find the best ISA for you .png","width":1920,"height":1080,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/ea564799e901c1cb8ff6b7a821741dc4060e2067-1920x1080.png?rect=600,0,720,1080&w=%width%&h=%height%&q=80","id":"image-ea564799e901c1cb8ff6b7a821741dc4060e2067-1920x1080-png","children":[],"parent":null},"blankAltTag":true},"_system":{"base":{"id":"7324b8af-c1eb-46a0-b36a-caa8783606e0","rev":"8LO5O2Z8C4HuWQBIqBln0u"}},"brazeCustomAttributes":[{"_key":"7fef522b26b4","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_COMPARE_TABLE","customAttributeValue":"https://www.boringmoney.co.uk/isas-pensions/isas-pensions/"}],"content":[{"_key":"b2abd2205459","_type":"headerBlock","alignment":"Center","desktopImage":{"_type":"mainImage","asset":{"_ref":"image-bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300-png","_type":"reference"}},"mobileImage":{"_type":"mainImage","alt":"Banner showcasing investment platforms ","asset":{"_ref":"image-ec8911cbc4caaffabe66715bbe460c232a1e923c-600x250-png","_type":"reference"}},"reference":{"_id":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"landingPage","_rev":"HaE9Y1GS3p0U3ZL8s9Db87","_createdAt":"2021-11-25T16:01:50Z","_updatedAt":"2026-04-16T08:00:34Z","MainImage":{"_type":"mainImage","asset":{"_ref":"image-ea564799e901c1cb8ff6b7a821741dc4060e2067-1920x1080-png","_type":"reference"},"blankAltTag":true},"_system":{"base":{"id":"7324b8af-c1eb-46a0-b36a-caa8783606e0","rev":"8LO5O2Z8C4HuWQBIqBln0u"}},"brazeCustomAttributes":[{"_key":"7fef522b26b4","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_COMPARE_TABLE","customAttributeValue":"https://www.boringmoney.co.uk/isas-pensions/isas-pensions/"}],"content":[{"_key":"b2abd2205459","_type":"headerBlock","alignment":"Center","desktopImage":{"_type":"mainImage","asset":{"_ref":"image-bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300-png","_type":"reference"}},"mobileImage":{"_type":"mainImage","alt":"Banner showcasing investment platforms ","asset":{"_ref":"image-ec8911cbc4caaffabe66715bbe460c232a1e923c-600x250-png","_type":"reference"}},"reference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"tabletImage":{"_type":"mainImage","alt":"Image showcasing investment platforms ","asset":{"_ref":"image-0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340-png","_type":"reference"}},"title":"Header"},{"_key":"dac26373610f","_type":"bestBuysTable","calculatorAssumptionsModel":{"_ref":"236f7460-2fe3-4f71-9c6f-061dc9806763","_type":"reference"},"comparisonPageReference":{"_ref":"e1ab80c6-4663-4735-b266-ff5981691a75","_type":"reference"},"costInBBTable":true,"defaultLayout":"3x3 - Would recommend","defaultSortOption":"OurRatingHL","enableComparison":false,"showAdvancedFilters":true,"sortOptions":["MostRecommended","OurRatingHL","OurRatingLH","CostHL","CostLH","MostPopular"],"title":"ISA"},{"_key":"33748b8f4b0d","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"052beedb53fd","_type":"block","children":[{"_key":"8ab895a997db","_type":"span","marks":[],"text":"Frequently Asked Questions About Stocks & Shares ISAs"}],"markDefs":[],"style":"h2"}],"styles":"White"},{"_key":"f1a7320d0d82","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"1381dbf0053f","_type":"block","children":[{"_key":"06742598bb83","_type":"span","marks":[],"text":"What is a Stocks & Shares ISA?"}],"markDefs":[],"style":"h3"},{"_key":"43c826820d13","_type":"block","children":[{"_key":"222919bc3bc5","_type":"span","marks":[],"text":"A Stocks & Shares ISA is an account that lets you invest in the stock market without paying tax on any profits. Every UK adult can put up to £20,000 into one each tax year, and any gains or income are tax-free."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Stocks & Shares ISA?"},{"_key":"b637b4843983516a48f9db0a974d4a56","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"5278a4cb307d","_type":"block","children":[{"_key":"4008cc33f440","_type":"span","marks":[],"text":"How is a Stocks & Shares ISA different from a Cash ISA? "}],"markDefs":[],"style":"h3"},{"_key":"c0c883d9cc8e","_type":"block","children":[{"_key":"28e8acdfcacf","_type":"span","marks":[],"text":"A "},{"_key":"a5888eb532ae","_type":"span","marks":["298daf3775d7"],"text":"Cash ISA"},{"_key":"bd37ecbecd75","_type":"span","marks":[],"text":" keeps your money in cash. A "},{"_key":"d2da7be7f3ec","_type":"span","marks":["bbf4adfe2e3e"],"text":"Stocks & Shares ISA"},{"_key":"6ad43428d8e9","_type":"span","marks":[],"text":" invests your money in the stock market, which means higher potential returns but also the possibility of losing money. "}],"markDefs":[{"_key":"298daf3775d7","_type":"internalLinkPick","blank":true,"reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"}},{"_key":"bbf4adfe2e3e","_type":"internalLinkPick","blank":true,"reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How is a Stocks & Shares ISA different from a Cash ISA?"},{"_key":"096d2b879670a03519945e5f2ce697b1","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"f7f88452a993","_type":"block","children":[{"_key":"4131fe7474b1","_type":"span","marks":[],"text":"Can I take my money out whenever I want?"}],"markDefs":[],"style":"h3"},{"_key":"0ca874e0f967","_type":"block","children":[{"_key":"1c527eff7158","_type":"span","marks":[],"text":"Yes — there's no lock-in. However, if you withdraw and pay money back in within the same tax year, this can affect your annual £20,000 allowance unless your ISA is a \"flexible\" one. Always check with your provider."}],"markDefs":[],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Can I take my money out whenever I want?"},{"_key":"bf3655d9727d899472e62678637bd6f4","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"cef5c86d40ff","_type":"block","children":[{"_key":"c14f68d4bed9","_type":"span","marks":[],"text":"How much can I invest in a Stocks & Shares ISA?"}],"markDefs":[],"style":"h3"},{"_key":"678b6ee012d6","_type":"block","children":[{"_key":"76ce9a45b6f5","_type":"span","marks":[],"text":"Up to £20,000 per tax year across all your ISAs combined. You get a fresh allowance every year on 6 April, and any unused allowance can't be carried forward."}],"markDefs":[],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How much can I invest in a Stocks & Shares ISA?"},{"_key":"a33bf4a9213091e53da2eb9c0db88791","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"b11c7519890f","_type":"block","children":[{"_key":"72361625cf68","_type":"span","marks":[],"text":"Is a Stocks & Shares ISA right for me? "}],"markDefs":[],"style":"h3"},{"_key":"b6f15af580ba","_type":"block","children":[{"_key":"e9a8b448b1e2","_type":"span","marks":[],"text":"It depends on your timeframe and risk tolerance. It tends to suit people who are investing for five years or more, want to grow their money beyond what cash can offer, and are comfortable with the idea that markets can go up and down. It's probably not right for you if you need the money within the next year or two, have high-interest debt to pay off first, or would struggle to stomach seeing your portfolio fall in value."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Is a Stocks & Shares ISA right for me? "},{"_key":"1ea77cdca1811ccd8c2079afb04466ba","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"ffff514e2774","_type":"block","children":[{"_key":"45f7162265dc","_type":"span","marks":[],"text":"How risky is a Stocks & Shares ISA? "}],"markDefs":[],"style":"h3"},{"_key":"3485bfd8d250","_type":"block","children":[{"_key":"c193f6c36af8","_type":"span","marks":[],"text":"It depends on what you choose to invest in. The key is "},{"_key":"7b08da4c08f7","_type":"span","marks":["e6991894fbf4"],"text":"diversification"},{"_key":"da7130bd59c4","_type":"span","marks":[],"text":" — spreading your money across different companies, sectors, and geographies so that one bad investment doesn't wipe out your savings. Funds and ETFs do this automatically, which is why they're popular with beginners."}],"markDefs":[{"_key":"e6991894fbf4","_type":"internalLinkPick","blank":true,"reference":{"_ref":"6e0fb5a5-2a36-4806-8108-6d06543c931a","_type":"reference"}}],"style":"normal"}],"styles":"White","title":"How risky is a Stocks & Shares ISA?"},{"_key":"04eabe135a4e59b6b6859fe8a0b57acf","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"5cc35680fa81","_type":"block","children":[{"_key":"a8904d78d2e4","_type":"span","marks":[],"text":"What are the tax benefits of a Stocks & Shares ISA? "}],"markDefs":[],"style":"h3"},{"_key":"326013566409","_type":"block","children":[{"_key":"8e62f7d17cf2","_type":"span","marks":[],"text":"There are three main ones: no "},{"_key":"88ffa4843d17","_type":"span","marks":["a154b3f0fa4d"],"text":"capital gains tax"},{"_key":"f73020a2474c","_type":"span","marks":[],"text":" on profits when you sell investments, no tax on interest from "},{"_key":"82539b3d2b76","_type":"span","marks":["4c3294f2f5e8"],"text":"bonds"},{"_key":"fef814c7f569","_type":"span","marks":[],"text":" held within the ISA, and no tax on "},{"_key":"89bfc49900fe","_type":"span","marks":["a6fc01d9ec0c"],"text":"dividends"},{"_key":"3ca60e193841","_type":"span","marks":[],"text":". Outside an ISA, all three of these could cost you money depending on your tax bracket."}],"markDefs":[{"_key":"a154b3f0fa4d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}},{"_key":"4c3294f2f5e8","_type":"glossaryPick","reference":{"_ref":"ea467285-7d48-4093-b16e-76d3f8a95fc1","_type":"reference"}},{"_key":"a6fc01d9ec0c","_type":"glossaryPick","reference":{"_ref":"43ececc2-2ff3-43e8-932b-b412f2145213","_type":"reference"}}],"style":"normal"}],"styles":"White","title":"What are the tax benefits of a Stocks & Shares ISA?"},{"_key":"c4bcfddb893f","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"Space"},{"_key":"d050e0845814","_type":"bigBlockGroup","bigBlockItems":[{"_key":"886b99ffa3d0","_type":"bigBlockItem","introPara":[{"_key":"63bbc5c58db3","_type":"block","children":[{"_key":"14cd335502780","_type":"span","marks":[],"text":"A 'robo' adviser offers up ready-made portfolios and so costs include both admin and investment charges. A platform is for those who prefer to pick their own investments – the costs may look cheaper here as we only include the admin charges – the investment fees will typically add another £25 - £75 per £10,000 managed, depending on what you pick."}],"markDefs":[],"style":"small"}],"title":"Platform types"},{"_key":"70490647fe00","_type":"bigBlockItem","introPara":[{"_key":"55c85fda04f0","_type":"block","children":[{"_key":"9daf97d49fa10","_type":"span","marks":[],"text":"We try really hard to keep our consumer reviews genuine and representative. As a final step, an administrator checks every review before publishing. If you have any questions please contact us "},{"_key":"abd51e149ec5","_type":"span","marks":["2b07db6357c6"],"text":"here"},{"_key":"6f6f7ee92681","_type":"span","marks":[],"text":" or send a letter to Boring Money Ltd, 10 Lower Thames Street, London, EC3R 6AF"}],"markDefs":[{"_key":"2b07db6357c6","_type":"internalLinkPick","reference":{"_ref":"b35cac1c-228a-4987-aeca-bb774b8e0e3c","_type":"reference"}}],"style":"small"}],"title":"Grubby behaviour"},{"_key":"d8afdbab6022","_type":"bigBlockItem","introPara":[{"_key":"260d9bdb952b","_type":"block","children":[{"_key":"5af8f96878d70","_type":"span","marks":[],"text":"Most of our revenue comes from providing research and consultancy services the industry. As the costs of building our website grow, we have also started to activate “introducer revenues” for some of the provider sites you click through to. Look out for the colour orange on the site. This is us being as clear as we can be when anything on our pages has a commercial benefit to us, or is a sponsored arrangement. More info is available "},{"_key":"b94a70e460a9","_type":"span","marks":["b9ccd82193ec"],"text":"here"},{"_key":"9787a494e25b","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b9ccd82193ec","_type":"internalLinkPick","reference":{"_ref":"cc735c68-c1b8-4987-acff-3931653c3639","_type":"reference"}}],"style":"small"}],"title":"How we make money"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":6,"styles":"Grey-Transparent","title":"DISCLAIMER","titleLineClamp":1},{"_key":"7282413d1dc3","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"eb112cbb7dd3","_type":"block","children":[{"_key":"23429c086248","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dc8f88141013","_type":"block","children":[{"_key":"fcef23cc4d95","_type":"span","marks":["em"],"text":"By default our tables sort on the basis of (1) “Most Popular” providers based on customer choice (2) Descending order of the Boring Money customer recommendation score. Pricing may vary depending on money invested, transaction value and trading frequency. We have selected the pricing tiers we believe to be relevant to the largest number of investors."}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent","title":"Disclaimer"},{"_key":"e15290ad8f2bf035fdf4bd2f541cbae7","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"Space"}],"emailSignupWidgetButtonText":"UNLOCK","emailSignupWidgetParagraphText":"Sign up to Boring Money for expert comparisons, real customer reviews, fees, offers, and more - everything you need to make smart money choices. Answer five quick questions to get going today!","emailSignupWidgetTitle":"UNLOCK OUR ISA COMPARISON TABLE","enableGatedContent":true,"excerpt":[{"_key":"2eedafb8ba7a","_type":"block","children":[{"_key":"2e7aaa7300fe","_type":"span","marks":[],"text":"Compare the best ISAs and investment accounts in the UK. Find stocks and shares ISAs, and investment platforms with our expert reviews and tables."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue background  - Text center - Faded","gatedContentBody":[{"_key":"13f96dc0dd81","_type":"headerBlock","alignment":"Center","desktopImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300-png","_type":"reference"},"blankAltTag":true},"mobileImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340-png","_type":"reference"}},"reference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"tabletImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-fc75bc5ee8524fb479bf1ed4c0b781c06f635bad-1280x300-png","_type":"reference"}}},{"_key":"198396c38d61","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"abc2bb14fa42","_type":"block","children":[{"_key":"6f9e4e7b6b55","_type":"span","marks":[],"text":"Compare the best Stocks & Shares ISAs in one place - fast"}],"markDefs":[],"style":"h1"},{"_key":"d97a0686f19b","_type":"block","children":[{"_key":"f8542d4b62d2","_type":"span","marks":[],"text":"Looking for the best ISA? Don’t waste hours jumping between websites. Our free ISA comparison table lets you compare expert reviews, customer ratings, fees, and top offers - side by side, all in one place."}],"markDefs":[],"style":"normal"},{"_key":"8de1198c5598","_type":"block","children":[{"_key":"0182871de8de","_type":"span","marks":[],"text":"Unlock full access below to find your perfect ISA and what you’d pay."}],"markDefs":[],"style":"h4"}],"styles":"Grey-Transparent","title":"Compare the best ISAs in one place - fast"},{"_key":"647813d6f7ebc93c3431c9758ac6d927","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"39ff26fc401c","_type":"bestBuysTable","calculatorAssumptionsModel":{"_ref":"236f7460-2fe3-4f71-9c6f-061dc9806763","_type":"reference"},"defaultLayout":"3x3 - Would recommend","defaultSortOption":"OurRatingHL","loggedOutRowLimit":1,"loggedOutRowLimitMobile":6,"sortOptions":["OurRatingHL"],"title":"ISA"}],"gatedContentReadMoreText":[{"_key":"1097b5b5b507","_type":"block","children":[{"_key":"069b689d8928","_type":"span","marks":[],"text":"Use our filters to shortlist providers that are better suited for you. "}],"markDefs":[],"style":"normal"}],"publishedAt":"2025-04-28T11:57:15.443Z","slug":{"_type":"slug","current":"isas-pensions"},"subfolder":{"_ref":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"reference"},"title":"Best Stocks & Shares ISA 2026 - Compare Top Providers","id":"-d9788508-2c90-56c4-be24-45e28edb1c22","children":[],"parent":null},"tabletImage":{"_type":"mainImage","alt":"Image showcasing investment platforms ","asset":{"_ref":"image-0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340-png","_type":"reference"}},"title":"Header"},{"_key":"dac26373610f","_type":"bestBuysTable","calculatorAssumptionsModel":{"_id":"236f7460-2fe3-4f71-9c6f-061dc9806763","_type":"calcAssumptions","_rev":"NEpTYW6DQ9f8lyxNnd9cew","_createdAt":"2021-10-12T09:18:13Z","_updatedAt":"2024-02-26T10:37:33Z","assumptionRow":["0,9999.99,1","9999.99,49999.99,2","49999.99,99999.99,4","99999.99,249999.99,6","249999.99,50000000000000000,8"],"lumpSum":"1000","title":"ISA Model","id":"-57ecbcd4-4d4b-5673-a749-2a1cca754f3f","children":[],"parent":null},"comparisonPageReference":{"_id":"e1ab80c6-4663-4735-b266-ff5981691a75","_type":"information","_rev":"mt9hMqvnezW3fDtFvUlnZ6","_createdAt":"2022-01-25T16:21:45Z","_updatedAt":"2023-04-12T10:19:15Z","body":[{"_key":"8f6b35aa9f91","_type":"block","children":[{"_key":"efbe28a182cc","_type":"span","marks":[],"text":"How do these 2 ISA providers compare?"}],"markDefs":[],"style":"normal"},{"_key":"976fa7d69b0e","_type":"comparisonCriteriaWidget"}],"excerpt":[{"_key":"04e539049ce0","_type":"block","children":[{"_key":"c2452f790118","_type":"span","marks":[],"text":"Which ISA provider is best? Compare between two providers with this helpful comparison table."}],"markDefs":[],"style":"normal"}],"hideRelatedContent":true,"pageBreadcrumb":{"_ref":"cd92c7b6-40fa-4281-89a6-3e5a09ff8ef1","_type":"reference"},"publishedAt":"2022-01-25T16:13:21.326Z","slug":{"_type":"slug","current":"compare"},"subfolder":{"_ref":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"reference"},"template":"C-SB","title":"Compare ISA providers","widgets":[{"_key":"d64b7b66a278","_ref":"fa02ccf8-05b7-4c30-83f6-73372c7fb7a2","_type":"reference"}],"id":"-ee158b46-93ff-5cc9-9bd7-137e3c715ce5","children":[],"parent":null},"costInBBTable":true,"defaultLayout":"3x3 - Would recommend","defaultSortOption":"OurRatingHL","enableComparison":false,"showAdvancedFilters":true,"sortOptions":["MostRecommended","OurRatingHL","OurRatingLH","CostHL","CostLH","MostPopular"],"title":"ISA"},{"_key":"33748b8f4b0d","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"052beedb53fd","_type":"block","children":[{"_key":"8ab895a997db","_type":"span","marks":[],"text":"Frequently Asked Questions About Stocks & Shares ISAs"}],"markDefs":[],"style":"h2"}],"styles":"White"},{"_key":"f1a7320d0d82","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"1381dbf0053f","_type":"block","children":[{"_key":"06742598bb83","_type":"span","marks":[],"text":"What is a Stocks & Shares ISA?"}],"markDefs":[],"style":"h3"},{"_key":"43c826820d13","_type":"block","children":[{"_key":"222919bc3bc5","_type":"span","marks":[],"text":"A Stocks & Shares ISA is an account that lets you invest in the stock market without paying tax on any profits. Every UK adult can put up to £20,000 into one each tax year, and any gains or income are tax-free."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Stocks & Shares ISA?"},{"_key":"b637b4843983516a48f9db0a974d4a56","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"5278a4cb307d","_type":"block","children":[{"_key":"4008cc33f440","_type":"span","marks":[],"text":"How is a Stocks & Shares ISA different from a Cash ISA? "}],"markDefs":[],"style":"h3"},{"_key":"c0c883d9cc8e","_type":"block","children":[{"_key":"28e8acdfcacf","_type":"span","marks":[],"text":"A "},{"_key":"a5888eb532ae","_type":"span","marks":["298daf3775d7"],"text":"Cash ISA"},{"_key":"bd37ecbecd75","_type":"span","marks":[],"text":" keeps your money in cash. A "},{"_key":"d2da7be7f3ec","_type":"span","marks":["bbf4adfe2e3e"],"text":"Stocks & Shares ISA"},{"_key":"6ad43428d8e9","_type":"span","marks":[],"text":" invests your money in the stock market, which means higher potential returns but also the possibility of losing money. "}],"markDefs":[{"_key":"298daf3775d7","_type":"internalLinkPick","blank":true,"reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"}},{"_key":"bbf4adfe2e3e","_type":"internalLinkPick","blank":true,"reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How is a Stocks & Shares ISA different from a Cash ISA?"},{"_key":"096d2b879670a03519945e5f2ce697b1","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"f7f88452a993","_type":"block","children":[{"_key":"4131fe7474b1","_type":"span","marks":[],"text":"Can I take my money out whenever I want?"}],"markDefs":[],"style":"h3"},{"_key":"0ca874e0f967","_type":"block","children":[{"_key":"1c527eff7158","_type":"span","marks":[],"text":"Yes — there's no lock-in. However, if you withdraw and pay money back in within the same tax year, this can affect your annual £20,000 allowance unless your ISA is a \"flexible\" one. Always check with your provider."}],"markDefs":[],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Can I take my money out whenever I want?"},{"_key":"bf3655d9727d899472e62678637bd6f4","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"cef5c86d40ff","_type":"block","children":[{"_key":"c14f68d4bed9","_type":"span","marks":[],"text":"How much can I invest in a Stocks & Shares ISA?"}],"markDefs":[],"style":"h3"},{"_key":"678b6ee012d6","_type":"block","children":[{"_key":"76ce9a45b6f5","_type":"span","marks":[],"text":"Up to £20,000 per tax year across all your ISAs combined. You get a fresh allowance every year on 6 April, and any unused allowance can't be carried forward."}],"markDefs":[],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How much can I invest in a Stocks & Shares ISA?"},{"_key":"a33bf4a9213091e53da2eb9c0db88791","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"b11c7519890f","_type":"block","children":[{"_key":"72361625cf68","_type":"span","marks":[],"text":"Is a Stocks & Shares ISA right for me? "}],"markDefs":[],"style":"h3"},{"_key":"b6f15af580ba","_type":"block","children":[{"_key":"e9a8b448b1e2","_type":"span","marks":[],"text":"It depends on your timeframe and risk tolerance. It tends to suit people who are investing for five years or more, want to grow their money beyond what cash can offer, and are comfortable with the idea that markets can go up and down. It's probably not right for you if you need the money within the next year or two, have high-interest debt to pay off first, or would struggle to stomach seeing your portfolio fall in value."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Is a Stocks & Shares ISA right for me? "},{"_key":"1ea77cdca1811ccd8c2079afb04466ba","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"ffff514e2774","_type":"block","children":[{"_key":"45f7162265dc","_type":"span","marks":[],"text":"How risky is a Stocks & Shares ISA? "}],"markDefs":[],"style":"h3"},{"_key":"3485bfd8d250","_type":"block","children":[{"_key":"c193f6c36af8","_type":"span","marks":[],"text":"It depends on what you choose to invest in. The key is "},{"_key":"7b08da4c08f7","_type":"span","marks":["e6991894fbf4"],"text":"diversification"},{"_key":"da7130bd59c4","_type":"span","marks":[],"text":" — spreading your money across different companies, sectors, and geographies so that one bad investment doesn't wipe out your savings. Funds and ETFs do this automatically, which is why they're popular with beginners."}],"markDefs":[{"_key":"e6991894fbf4","_type":"internalLinkPick","blank":true,"reference":{"_ref":"6e0fb5a5-2a36-4806-8108-6d06543c931a","_type":"reference"}}],"style":"normal"}],"styles":"White","title":"How risky is a Stocks & Shares ISA?"},{"_key":"04eabe135a4e59b6b6859fe8a0b57acf","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"5cc35680fa81","_type":"block","children":[{"_key":"a8904d78d2e4","_type":"span","marks":[],"text":"What are the tax benefits of a Stocks & Shares ISA? "}],"markDefs":[],"style":"h3"},{"_key":"326013566409","_type":"block","children":[{"_key":"8e62f7d17cf2","_type":"span","marks":[],"text":"There are three main ones: no "},{"_key":"88ffa4843d17","_type":"span","marks":["a154b3f0fa4d"],"text":"capital gains tax"},{"_key":"f73020a2474c","_type":"span","marks":[],"text":" on profits when you sell investments, no tax on interest from "},{"_key":"82539b3d2b76","_type":"span","marks":["4c3294f2f5e8"],"text":"bonds"},{"_key":"fef814c7f569","_type":"span","marks":[],"text":" held within the ISA, and no tax on "},{"_key":"89bfc49900fe","_type":"span","marks":["a6fc01d9ec0c"],"text":"dividends"},{"_key":"3ca60e193841","_type":"span","marks":[],"text":". Outside an ISA, all three of these could cost you money depending on your tax bracket."}],"markDefs":[{"_key":"a154b3f0fa4d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}},{"_key":"4c3294f2f5e8","_type":"glossaryPick","reference":{"_ref":"ea467285-7d48-4093-b16e-76d3f8a95fc1","_type":"reference"}},{"_key":"a6fc01d9ec0c","_type":"glossaryPick","reference":{"_ref":"43ececc2-2ff3-43e8-932b-b412f2145213","_type":"reference"}}],"style":"normal"}],"styles":"White","title":"What are the tax benefits of a Stocks & Shares ISA?"},{"_key":"c4bcfddb893f","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"Space"},{"_key":"d050e0845814","_type":"bigBlockGroup","bigBlockItems":[{"_key":"886b99ffa3d0","_type":"bigBlockItem","introPara":[{"_key":"63bbc5c58db3","_type":"block","children":[{"_key":"14cd335502780","_type":"span","marks":[],"text":"A 'robo' adviser offers up ready-made portfolios and so costs include both admin and investment charges. A platform is for those who prefer to pick their own investments – the costs may look cheaper here as we only include the admin charges – the investment fees will typically add another £25 - £75 per £10,000 managed, depending on what you pick."}],"markDefs":[],"style":"small"}],"title":"Platform types"},{"_key":"70490647fe00","_type":"bigBlockItem","introPara":[{"_key":"55c85fda04f0","_type":"block","children":[{"_key":"9daf97d49fa10","_type":"span","marks":[],"text":"We try really hard to keep our consumer reviews genuine and representative. As a final step, an administrator checks every review before publishing. If you have any questions please contact us "},{"_key":"abd51e149ec5","_type":"span","marks":["2b07db6357c6"],"text":"here"},{"_key":"6f6f7ee92681","_type":"span","marks":[],"text":" or send a letter to Boring Money Ltd, 10 Lower Thames Street, London, EC3R 6AF"}],"markDefs":[{"_key":"2b07db6357c6","_type":"internalLinkPick","reference":{"_ref":"b35cac1c-228a-4987-aeca-bb774b8e0e3c","_type":"reference"}}],"style":"small"}],"title":"Grubby behaviour"},{"_key":"d8afdbab6022","_type":"bigBlockItem","introPara":[{"_key":"260d9bdb952b","_type":"block","children":[{"_key":"5af8f96878d70","_type":"span","marks":[],"text":"Most of our revenue comes from providing research and consultancy services the industry. As the costs of building our website grow, we have also started to activate “introducer revenues” for some of the provider sites you click through to. Look out for the colour orange on the site. This is us being as clear as we can be when anything on our pages has a commercial benefit to us, or is a sponsored arrangement. More info is available "},{"_key":"b94a70e460a9","_type":"span","marks":["b9ccd82193ec"],"text":"here"},{"_key":"9787a494e25b","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b9ccd82193ec","_type":"internalLinkPick","reference":{"_ref":"cc735c68-c1b8-4987-acff-3931653c3639","_type":"reference"}}],"style":"small"}],"title":"How we make money"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":6,"styles":"Grey-Transparent","title":"DISCLAIMER","titleLineClamp":1},{"_key":"7282413d1dc3","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"eb112cbb7dd3","_type":"block","children":[{"_key":"23429c086248","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dc8f88141013","_type":"block","children":[{"_key":"fcef23cc4d95","_type":"span","marks":["em"],"text":"By default our tables sort on the basis of (1) “Most Popular” providers based on customer choice (2) Descending order of the Boring Money customer recommendation score. Pricing may vary depending on money invested, transaction value and trading frequency. We have selected the pricing tiers we believe to be relevant to the largest number of investors."}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent","title":"Disclaimer"},{"_key":"e15290ad8f2bf035fdf4bd2f541cbae7","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"Space"}],"emailSignupWidgetButtonText":"UNLOCK","emailSignupWidgetParagraphText":"Sign up to Boring Money for expert comparisons, real customer reviews, fees, offers, and more - everything you need to make smart money choices. Answer five quick questions to get going today!","emailSignupWidgetTitle":"UNLOCK OUR ISA COMPARISON TABLE","enableGatedContent":true,"excerpt":[{"_key":"2eedafb8ba7a","_type":"block","children":[{"_key":"2e7aaa7300fe","_type":"span","marks":[],"text":"Compare the best ISAs and investment accounts in the UK. Find stocks and shares ISAs, and investment platforms with our expert reviews and tables."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue background  - Text center - Faded","gatedContentBody":[{"_key":"13f96dc0dd81","_type":"headerBlock","alignment":"Center","desktopImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300-png","_type":"reference"},"blankAltTag":true},"mobileImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340-png","_type":"reference"}},"reference":{"_id":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"landingPage","_rev":"HaE9Y1GS3p0U3ZL8s9Db87","_createdAt":"2021-11-25T16:01:50Z","_updatedAt":"2026-04-16T08:00:34Z","MainImage":{"_type":"mainImage","asset":{"_ref":"image-ea564799e901c1cb8ff6b7a821741dc4060e2067-1920x1080-png","_type":"reference"},"blankAltTag":true},"_system":{"base":{"id":"7324b8af-c1eb-46a0-b36a-caa8783606e0","rev":"8LO5O2Z8C4HuWQBIqBln0u"}},"brazeCustomAttributes":[{"_key":"7fef522b26b4","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_COMPARE_TABLE","customAttributeValue":"https://www.boringmoney.co.uk/isas-pensions/isas-pensions/"}],"content":[{"_key":"b2abd2205459","_type":"headerBlock","alignment":"Center","desktopImage":{"_type":"mainImage","asset":{"_ref":"image-bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300-png","_type":"reference"}},"mobileImage":{"_type":"mainImage","alt":"Banner showcasing investment platforms ","asset":{"_ref":"image-ec8911cbc4caaffabe66715bbe460c232a1e923c-600x250-png","_type":"reference"}},"reference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"tabletImage":{"_type":"mainImage","alt":"Image showcasing investment platforms ","asset":{"_ref":"image-0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340-png","_type":"reference"}},"title":"Header"},{"_key":"dac26373610f","_type":"bestBuysTable","calculatorAssumptionsModel":{"_ref":"236f7460-2fe3-4f71-9c6f-061dc9806763","_type":"reference"},"comparisonPageReference":{"_ref":"e1ab80c6-4663-4735-b266-ff5981691a75","_type":"reference"},"costInBBTable":true,"defaultLayout":"3x3 - Would recommend","defaultSortOption":"OurRatingHL","enableComparison":false,"showAdvancedFilters":true,"sortOptions":["MostRecommended","OurRatingHL","OurRatingLH","CostHL","CostLH","MostPopular"],"title":"ISA"},{"_key":"33748b8f4b0d","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"052beedb53fd","_type":"block","children":[{"_key":"8ab895a997db","_type":"span","marks":[],"text":"Frequently Asked Questions About Stocks & Shares ISAs"}],"markDefs":[],"style":"h2"}],"styles":"White"},{"_key":"f1a7320d0d82","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"1381dbf0053f","_type":"block","children":[{"_key":"06742598bb83","_type":"span","marks":[],"text":"What is a Stocks & Shares ISA?"}],"markDefs":[],"style":"h3"},{"_key":"43c826820d13","_type":"block","children":[{"_key":"222919bc3bc5","_type":"span","marks":[],"text":"A Stocks & Shares ISA is an account that lets you invest in the stock market without paying tax on any profits. Every UK adult can put up to £20,000 into one each tax year, and any gains or income are tax-free."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Stocks & Shares ISA?"},{"_key":"b637b4843983516a48f9db0a974d4a56","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"5278a4cb307d","_type":"block","children":[{"_key":"4008cc33f440","_type":"span","marks":[],"text":"How is a Stocks & Shares ISA different from a Cash ISA? "}],"markDefs":[],"style":"h3"},{"_key":"c0c883d9cc8e","_type":"block","children":[{"_key":"28e8acdfcacf","_type":"span","marks":[],"text":"A "},{"_key":"a5888eb532ae","_type":"span","marks":["298daf3775d7"],"text":"Cash ISA"},{"_key":"bd37ecbecd75","_type":"span","marks":[],"text":" keeps your money in cash. A "},{"_key":"d2da7be7f3ec","_type":"span","marks":["bbf4adfe2e3e"],"text":"Stocks & Shares ISA"},{"_key":"6ad43428d8e9","_type":"span","marks":[],"text":" invests your money in the stock market, which means higher potential returns but also the possibility of losing money. "}],"markDefs":[{"_key":"298daf3775d7","_type":"internalLinkPick","blank":true,"reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"}},{"_key":"bbf4adfe2e3e","_type":"internalLinkPick","blank":true,"reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How is a Stocks & Shares ISA different from a Cash ISA?"},{"_key":"096d2b879670a03519945e5f2ce697b1","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"f7f88452a993","_type":"block","children":[{"_key":"4131fe7474b1","_type":"span","marks":[],"text":"Can I take my money out whenever I want?"}],"markDefs":[],"style":"h3"},{"_key":"0ca874e0f967","_type":"block","children":[{"_key":"1c527eff7158","_type":"span","marks":[],"text":"Yes — there's no lock-in. However, if you withdraw and pay money back in within the same tax year, this can affect your annual £20,000 allowance unless your ISA is a \"flexible\" one. Always check with your provider."}],"markDefs":[],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Can I take my money out whenever I want?"},{"_key":"bf3655d9727d899472e62678637bd6f4","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"cef5c86d40ff","_type":"block","children":[{"_key":"c14f68d4bed9","_type":"span","marks":[],"text":"How much can I invest in a Stocks & Shares ISA?"}],"markDefs":[],"style":"h3"},{"_key":"678b6ee012d6","_type":"block","children":[{"_key":"76ce9a45b6f5","_type":"span","marks":[],"text":"Up to £20,000 per tax year across all your ISAs combined. You get a fresh allowance every year on 6 April, and any unused allowance can't be carried forward."}],"markDefs":[],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How much can I invest in a Stocks & Shares ISA?"},{"_key":"a33bf4a9213091e53da2eb9c0db88791","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"b11c7519890f","_type":"block","children":[{"_key":"72361625cf68","_type":"span","marks":[],"text":"Is a Stocks & Shares ISA right for me? "}],"markDefs":[],"style":"h3"},{"_key":"b6f15af580ba","_type":"block","children":[{"_key":"e9a8b448b1e2","_type":"span","marks":[],"text":"It depends on your timeframe and risk tolerance. It tends to suit people who are investing for five years or more, want to grow their money beyond what cash can offer, and are comfortable with the idea that markets can go up and down. It's probably not right for you if you need the money within the next year or two, have high-interest debt to pay off first, or would struggle to stomach seeing your portfolio fall in value."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Is a Stocks & Shares ISA right for me? "},{"_key":"1ea77cdca1811ccd8c2079afb04466ba","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"ffff514e2774","_type":"block","children":[{"_key":"45f7162265dc","_type":"span","marks":[],"text":"How risky is a Stocks & Shares ISA? "}],"markDefs":[],"style":"h3"},{"_key":"3485bfd8d250","_type":"block","children":[{"_key":"c193f6c36af8","_type":"span","marks":[],"text":"It depends on what you choose to invest in. The key is "},{"_key":"7b08da4c08f7","_type":"span","marks":["e6991894fbf4"],"text":"diversification"},{"_key":"da7130bd59c4","_type":"span","marks":[],"text":" — spreading your money across different companies, sectors, and geographies so that one bad investment doesn't wipe out your savings. Funds and ETFs do this automatically, which is why they're popular with beginners."}],"markDefs":[{"_key":"e6991894fbf4","_type":"internalLinkPick","blank":true,"reference":{"_ref":"6e0fb5a5-2a36-4806-8108-6d06543c931a","_type":"reference"}}],"style":"normal"}],"styles":"White","title":"How risky is a Stocks & Shares ISA?"},{"_key":"04eabe135a4e59b6b6859fe8a0b57acf","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"5cc35680fa81","_type":"block","children":[{"_key":"a8904d78d2e4","_type":"span","marks":[],"text":"What are the tax benefits of a Stocks & Shares ISA? "}],"markDefs":[],"style":"h3"},{"_key":"326013566409","_type":"block","children":[{"_key":"8e62f7d17cf2","_type":"span","marks":[],"text":"There are three main ones: no "},{"_key":"88ffa4843d17","_type":"span","marks":["a154b3f0fa4d"],"text":"capital gains tax"},{"_key":"f73020a2474c","_type":"span","marks":[],"text":" on profits when you sell investments, no tax on interest from "},{"_key":"82539b3d2b76","_type":"span","marks":["4c3294f2f5e8"],"text":"bonds"},{"_key":"fef814c7f569","_type":"span","marks":[],"text":" held within the ISA, and no tax on "},{"_key":"89bfc49900fe","_type":"span","marks":["a6fc01d9ec0c"],"text":"dividends"},{"_key":"3ca60e193841","_type":"span","marks":[],"text":". Outside an ISA, all three of these could cost you money depending on your tax bracket."}],"markDefs":[{"_key":"a154b3f0fa4d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}},{"_key":"4c3294f2f5e8","_type":"glossaryPick","reference":{"_ref":"ea467285-7d48-4093-b16e-76d3f8a95fc1","_type":"reference"}},{"_key":"a6fc01d9ec0c","_type":"glossaryPick","reference":{"_ref":"43ececc2-2ff3-43e8-932b-b412f2145213","_type":"reference"}}],"style":"normal"}],"styles":"White","title":"What are the tax benefits of a Stocks & Shares ISA?"},{"_key":"c4bcfddb893f","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"Space"},{"_key":"d050e0845814","_type":"bigBlockGroup","bigBlockItems":[{"_key":"886b99ffa3d0","_type":"bigBlockItem","introPara":[{"_key":"63bbc5c58db3","_type":"block","children":[{"_key":"14cd335502780","_type":"span","marks":[],"text":"A 'robo' adviser offers up ready-made portfolios and so costs include both admin and investment charges. A platform is for those who prefer to pick their own investments – the costs may look cheaper here as we only include the admin charges – the investment fees will typically add another £25 - £75 per £10,000 managed, depending on what you pick."}],"markDefs":[],"style":"small"}],"title":"Platform types"},{"_key":"70490647fe00","_type":"bigBlockItem","introPara":[{"_key":"55c85fda04f0","_type":"block","children":[{"_key":"9daf97d49fa10","_type":"span","marks":[],"text":"We try really hard to keep our consumer reviews genuine and representative. As a final step, an administrator checks every review before publishing. If you have any questions please contact us "},{"_key":"abd51e149ec5","_type":"span","marks":["2b07db6357c6"],"text":"here"},{"_key":"6f6f7ee92681","_type":"span","marks":[],"text":" or send a letter to Boring Money Ltd, 10 Lower Thames Street, London, EC3R 6AF"}],"markDefs":[{"_key":"2b07db6357c6","_type":"internalLinkPick","reference":{"_ref":"b35cac1c-228a-4987-aeca-bb774b8e0e3c","_type":"reference"}}],"style":"small"}],"title":"Grubby behaviour"},{"_key":"d8afdbab6022","_type":"bigBlockItem","introPara":[{"_key":"260d9bdb952b","_type":"block","children":[{"_key":"5af8f96878d70","_type":"span","marks":[],"text":"Most of our revenue comes from providing research and consultancy services the industry. As the costs of building our website grow, we have also started to activate “introducer revenues” for some of the provider sites you click through to. Look out for the colour orange on the site. This is us being as clear as we can be when anything on our pages has a commercial benefit to us, or is a sponsored arrangement. More info is available "},{"_key":"b94a70e460a9","_type":"span","marks":["b9ccd82193ec"],"text":"here"},{"_key":"9787a494e25b","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b9ccd82193ec","_type":"internalLinkPick","reference":{"_ref":"cc735c68-c1b8-4987-acff-3931653c3639","_type":"reference"}}],"style":"small"}],"title":"How we make money"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":6,"styles":"Grey-Transparent","title":"DISCLAIMER","titleLineClamp":1},{"_key":"7282413d1dc3","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"eb112cbb7dd3","_type":"block","children":[{"_key":"23429c086248","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dc8f88141013","_type":"block","children":[{"_key":"fcef23cc4d95","_type":"span","marks":["em"],"text":"By default our tables sort on the basis of (1) “Most Popular” providers based on customer choice (2) Descending order of the Boring Money customer recommendation score. Pricing may vary depending on money invested, transaction value and trading frequency. We have selected the pricing tiers we believe to be relevant to the largest number of investors."}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent","title":"Disclaimer"},{"_key":"e15290ad8f2bf035fdf4bd2f541cbae7","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"Space"}],"emailSignupWidgetButtonText":"UNLOCK","emailSignupWidgetParagraphText":"Sign up to Boring Money for expert comparisons, real customer reviews, fees, offers, and more - everything you need to make smart money choices. Answer five quick questions to get going today!","emailSignupWidgetTitle":"UNLOCK OUR ISA COMPARISON TABLE","enableGatedContent":true,"excerpt":[{"_key":"2eedafb8ba7a","_type":"block","children":[{"_key":"2e7aaa7300fe","_type":"span","marks":[],"text":"Compare the best ISAs and investment accounts in the UK. Find stocks and shares ISAs, and investment platforms with our expert reviews and tables."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue background  - Text center - Faded","gatedContentBody":[{"_key":"13f96dc0dd81","_type":"headerBlock","alignment":"Center","desktopImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300-png","_type":"reference"},"blankAltTag":true},"mobileImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340-png","_type":"reference"}},"reference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"tabletImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-fc75bc5ee8524fb479bf1ed4c0b781c06f635bad-1280x300-png","_type":"reference"}}},{"_key":"198396c38d61","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"abc2bb14fa42","_type":"block","children":[{"_key":"6f9e4e7b6b55","_type":"span","marks":[],"text":"Compare the best Stocks & Shares ISAs in one place - fast"}],"markDefs":[],"style":"h1"},{"_key":"d97a0686f19b","_type":"block","children":[{"_key":"f8542d4b62d2","_type":"span","marks":[],"text":"Looking for the best ISA? Don’t waste hours jumping between websites. Our free ISA comparison table lets you compare expert reviews, customer ratings, fees, and top offers - side by side, all in one place."}],"markDefs":[],"style":"normal"},{"_key":"8de1198c5598","_type":"block","children":[{"_key":"0182871de8de","_type":"span","marks":[],"text":"Unlock full access below to find your perfect ISA and what you’d pay."}],"markDefs":[],"style":"h4"}],"styles":"Grey-Transparent","title":"Compare the best ISAs in one place - fast"},{"_key":"647813d6f7ebc93c3431c9758ac6d927","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"39ff26fc401c","_type":"bestBuysTable","calculatorAssumptionsModel":{"_ref":"236f7460-2fe3-4f71-9c6f-061dc9806763","_type":"reference"},"defaultLayout":"3x3 - Would recommend","defaultSortOption":"OurRatingHL","loggedOutRowLimit":1,"loggedOutRowLimitMobile":6,"sortOptions":["OurRatingHL"],"title":"ISA"}],"gatedContentReadMoreText":[{"_key":"1097b5b5b507","_type":"block","children":[{"_key":"069b689d8928","_type":"span","marks":[],"text":"Use our filters to shortlist providers that are better suited for you. "}],"markDefs":[],"style":"normal"}],"publishedAt":"2025-04-28T11:57:15.443Z","slug":{"_type":"slug","current":"isas-pensions"},"subfolder":{"_ref":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"reference"},"title":"Best Stocks & Shares ISA 2026 - Compare Top Providers","id":"-d9788508-2c90-56c4-be24-45e28edb1c22","children":[],"parent":null},"tabletImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-fc75bc5ee8524fb479bf1ed4c0b781c06f635bad-1280x300-png","_type":"reference"}}},{"_key":"198396c38d61","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"abc2bb14fa42","_type":"block","children":[{"_key":"6f9e4e7b6b55","_type":"span","marks":[],"text":"Compare the best Stocks & Shares ISAs in one place - fast"}],"markDefs":[],"style":"h1"},{"_key":"d97a0686f19b","_type":"block","children":[{"_key":"f8542d4b62d2","_type":"span","marks":[],"text":"Looking for the best ISA? Don’t waste hours jumping between websites. Our free ISA comparison table lets you compare expert reviews, customer ratings, fees, and top offers - side by side, all in one place."}],"markDefs":[],"style":"normal"},{"_key":"8de1198c5598","_type":"block","children":[{"_key":"0182871de8de","_type":"span","marks":[],"text":"Unlock full access below to find your perfect ISA and what you’d pay."}],"markDefs":[],"style":"h4"}],"styles":"Grey-Transparent","title":"Compare the best ISAs in one place - fast"},{"_key":"647813d6f7ebc93c3431c9758ac6d927","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"39ff26fc401c","_type":"bestBuysTable","calculatorAssumptionsModel":{"_id":"236f7460-2fe3-4f71-9c6f-061dc9806763","_type":"calcAssumptions","_rev":"NEpTYW6DQ9f8lyxNnd9cew","_createdAt":"2021-10-12T09:18:13Z","_updatedAt":"2024-02-26T10:37:33Z","assumptionRow":["0,9999.99,1","9999.99,49999.99,2","49999.99,99999.99,4","99999.99,249999.99,6","249999.99,50000000000000000,8"],"lumpSum":"1000","title":"ISA Model","id":"-57ecbcd4-4d4b-5673-a749-2a1cca754f3f","children":[],"parent":null},"defaultLayout":"3x3 - Would recommend","defaultSortOption":"OurRatingHL","loggedOutRowLimit":1,"loggedOutRowLimitMobile":6,"sortOptions":["OurRatingHL"],"title":"ISA"}],"gatedContentReadMoreText":[{"_key":"1097b5b5b507","_type":"block","children":[{"_key":"069b689d8928","_type":"span","marks":[],"text":"Use our filters to shortlist providers that are better suited for you. "}],"markDefs":[],"style":"normal"}],"publishedAt":"2025-04-28T11:57:15.443Z","slug":{"_type":"slug","current":"isas-pensions"},"subfolder":{"_id":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"folderCategory","_rev":"cQD0A3OGksV3pY6pYH47mV","_createdAt":"2021-06-14T19:24:49Z","_updatedAt":"2023-02-15T16:24:35Z","folder":"/isas-pensions/","id":"-f5695f01-adc9-59c8-91c1-c9304ad10ae9","children":[],"parent":null},"title":"Best Stocks & Shares ISA 2026 - Compare Top Providers","id":"-d9788508-2c90-56c4-be24-45e28edb1c22","children":[],"parent":null},"tabletImage":{"_type":"mainImage","alt":"Image showcasing investment platforms ","asset":{"_id":"image-0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340-png","_type":"sanity.imageAsset","_rev":"NNaYzMKiCJ6MqzAO8Mrys5","_createdAt":"2024-02-27T15:03:29Z","_updatedAt":"2024-02-27T15:03:29Z","assetId":"0f320a12f77a88b42e484e4f28b886bc2131e4ac","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"DTQJM?t7%foy~p%3oeoeofoc","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":3.764705882352941,"height":340,"width":1280},"hasAlpha":true,"isOpaque":true,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#373b4b","foreground":"#fff","population":5.14,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#8e6b18","foreground":"#fff","population":0.11,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#373b4b","foreground":"#fff","population":5.14,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#d9d0b5","foreground":"#000","population":2.02,"title":"#000"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#e9c691","foreground":"#000","population":1.34,"title":"#000"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#74b49c","foreground":"#000","population":0.01,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#de3265","foreground":"#fff","population":1.16,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"ISA Compare header tablet.png","path":"images/k8qzcdw3/prod1503/0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340.png","sha1hash":"0f320a12f77a88b42e484e4f28b886bc2131e4ac","size":256242,"uploadId":"S0q1Wkt54vRxx7fzEla0A2pF0arqnhCE","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340.png","filename":"ISA Compare header tablet.png","width":1280,"height":340,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340.png?rect=527,0,227,340&w=%width%&h=%height%&q=80","id":"image-0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340-png","children":[],"parent":null}},"title":"Header"},{"_key":"dac26373610f","_type":"bestBuysTable","calculatorAssumptionsModel":{"_id":"236f7460-2fe3-4f71-9c6f-061dc9806763","_type":"calcAssumptions","_rev":"NEpTYW6DQ9f8lyxNnd9cew","_createdAt":"2021-10-12T09:18:13Z","_updatedAt":"2024-02-26T10:37:33Z","assumptionRow":["0,9999.99,1","9999.99,49999.99,2","49999.99,99999.99,4","99999.99,249999.99,6","249999.99,50000000000000000,8"],"lumpSum":"1000","title":"ISA Model","id":"-57ecbcd4-4d4b-5673-a749-2a1cca754f3f","children":[],"parent":null},"comparisonPageReference":{"_id":"e1ab80c6-4663-4735-b266-ff5981691a75","_type":"information","_rev":"mt9hMqvnezW3fDtFvUlnZ6","_createdAt":"2022-01-25T16:21:45Z","_updatedAt":"2023-04-12T10:19:15Z","body":[{"_key":"8f6b35aa9f91","_type":"block","children":[{"_key":"efbe28a182cc","_type":"span","marks":[],"text":"How do these 2 ISA providers compare?"}],"markDefs":[],"style":"normal"},{"_key":"976fa7d69b0e","_type":"comparisonCriteriaWidget"}],"excerpt":[{"_key":"04e539049ce0","_type":"block","children":[{"_key":"c2452f790118","_type":"span","marks":[],"text":"Which ISA provider is best? Compare between two providers with this helpful comparison table."}],"markDefs":[],"style":"normal"}],"hideRelatedContent":true,"pageBreadcrumb":{"_id":"cd92c7b6-40fa-4281-89a6-3e5a09ff8ef1","_type":"breadcrumbCategory","_rev":"DmK61VtPyEhMsfOjcsbWcQ","_createdAt":"2021-11-15T23:13:13Z","_updatedAt":"2022-03-15T09:33:22Z","breadcrumbList":[{"_key":"3d0c467817b4","_type":"breadcrumbReference","linkReference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"title":"ISAs & Investment Accounts"}],"breadcrumbName":"ISA Review Pages","id":"-f1fe6d58-05f9-5f90-857c-1940cce6cbf5","children":[],"parent":null},"publishedAt":"2022-01-25T16:13:21.326Z","slug":{"_type":"slug","current":"compare"},"subfolder":{"_id":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"folderCategory","_rev":"cQD0A3OGksV3pY6pYH47mV","_createdAt":"2021-06-14T19:24:49Z","_updatedAt":"2023-02-15T16:24:35Z","folder":"/isas-pensions/","id":"-f5695f01-adc9-59c8-91c1-c9304ad10ae9","children":[],"parent":null},"template":"C-SB","title":"Compare ISA providers","widgets":[{"_id":"fa02ccf8-05b7-4c30-83f6-73372c7fb7a2","_type":"widgetCategory","_rev":"5lFOYvjHSScOGuQggyIAan","_createdAt":"2021-04-26T11:27:53Z","_updatedAt":"2026-02-18T13:33:13Z","_system":{"base":{"id":"fa02ccf8-05b7-4c30-83f6-73372c7fb7a2","rev":"flcAJ4ODPUjZPcDKMCnWbt"}},"body":[{"_key":"bc15a3482083","_type":"block","children":[{"_key":"742e3280debf","_type":"span","marks":[],"text":"Stay up to date"}],"markDefs":[],"style":"h3"},{"_key":"38eb7c9f1d8f","_type":"block","children":[{"_key":"27f72ed6b7f4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"80440e4dd689","_type":"block","children":[{"_key":"97bae5b80cb6","_type":"span","marks":[],"text":"Join our weekly blog with Holly's no-nonsense opinions, tips & food for thought!"}],"markDefs":[],"style":"normal"}],"linkReference":{"_ref":"0007ccaf-ce48-4cac-8c00-1290e363af4c","_type":"reference"},"title":"Sign up to our newsletter","widgetType":{"_ref":"5b086897-ef77-4c29-92d8-cb2e8093bfe1","_type":"reference"},"id":"-0c21c814-a08a-5a09-acf4-06b81aa20df5","children":[],"parent":null}],"id":"-ee158b46-93ff-5cc9-9bd7-137e3c715ce5","children":[],"parent":null},"costInBBTable":true,"defaultLayout":"3x3 - Would recommend","defaultSortOption":"OurRatingHL","enableComparison":false,"showAdvancedFilters":true,"sortOptions":["MostRecommended","OurRatingHL","OurRatingLH","CostHL","CostLH","MostPopular"],"title":"ISA"},{"_key":"33748b8f4b0d","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"052beedb53fd","_type":"block","children":[{"_key":"8ab895a997db","_type":"span","marks":[],"text":"Frequently Asked Questions About Stocks & Shares ISAs"}],"markDefs":[],"style":"h2"}],"styles":"White"},{"_key":"f1a7320d0d82","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"1381dbf0053f","_type":"block","children":[{"_key":"06742598bb83","_type":"span","marks":[],"text":"What is a Stocks & Shares ISA?"}],"markDefs":[],"style":"h3"},{"_key":"43c826820d13","_type":"block","children":[{"_key":"222919bc3bc5","_type":"span","marks":[],"text":"A Stocks & Shares ISA is an account that lets you invest in the stock market without paying tax on any profits. Every UK adult can put up to £20,000 into one each tax year, and any gains or income are tax-free."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Stocks & Shares ISA?"},{"_key":"b637b4843983516a48f9db0a974d4a56","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"5278a4cb307d","_type":"block","children":[{"_key":"4008cc33f440","_type":"span","marks":[],"text":"How is a Stocks & Shares ISA different from a Cash ISA? "}],"markDefs":[],"style":"h3"},{"_key":"c0c883d9cc8e","_type":"block","children":[{"_key":"28e8acdfcacf","_type":"span","marks":[],"text":"A "},{"_key":"a5888eb532ae","_type":"span","marks":["298daf3775d7"],"text":"Cash ISA"},{"_key":"bd37ecbecd75","_type":"span","marks":[],"text":" keeps your money in cash. A "},{"_key":"d2da7be7f3ec","_type":"span","marks":["bbf4adfe2e3e"],"text":"Stocks & Shares ISA"},{"_key":"6ad43428d8e9","_type":"span","marks":[],"text":" invests your money in the stock market, which means higher potential returns but also the possibility of losing money. "}],"markDefs":[{"_key":"298daf3775d7","_type":"internalLinkPick","blank":true,"reference":{"_id":"592042ed-f344-48fb-9e08-648227e722e6","_type":"information","_rev":"dEbmGrL8VpU3EqolZE0XmR","_createdAt":"2021-06-22T11:42:13Z","_updatedAt":"2026-03-26T10:05:36Z","_system":{"base":{"id":"592042ed-f344-48fb-9e08-648227e722e6","rev":"CReDEhFU4gDg2sFOXezDHD"}},"authors":[{"_key":"a4d246dc713b","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"body":[{"_key":"4181f2b47fe9","_type":"anchorMenuMobile","title":"s"},{"_key":"61253bd8bfef","_type":"block","children":[{"_key":"a118063c79c9","_type":"span","marks":[],"text":""},{"_key":"8f0c4c49be02","_type":"mainAnchor","pageAnchor":{"_ref":"89e3bad9-5f70-4f04-98fe-e52a247f846d","_type":"reference"}},{"_key":"eee87914fb11","_type":"span","marks":[],"text":"The basics of Cash ISAs"}],"markDefs":[],"style":"h2"},{"_key":"ce3c5bbeab2a","_type":"prosConsWidget","pros":["Reliable and steady unlike stock markets","No strings - take your money out when you need it","Pay no tax on any interest you earn","Get going online from just £1 a month"],"prosTitle":"In a nutshell"},{"_key":"b9233236ca4f","_type":"block","children":[{"_key":"3daf994dda2f","_type":"span","marks":[],"text":""},{"_key":"9c6a5f500310","_type":"mainAnchor","pageAnchor":{"_ref":"4c01127a-3303-492d-8ba6-e51d908fe455","_type":"reference"}},{"_key":"f7298dd9f3e0","_type":"span","marks":[],"text":"What is a Cash ISA?"}],"markDefs":[],"style":"h2"},{"_key":"72e329305077","_type":"block","children":[{"_key":"c318474a71040","_type":"span","marks":[],"text":"Cash is the safe bespectacled librarian to the more flamboyant rock star that is shares. A Cash ISA (or Individual Savings Account if you're feeling talkative) is a type of bank account where you can keep your savings in cash - rather than, say, invested in the stock market - and tuck away up to £20,000 in a year. The best bit? Money you put in a Cash ISA is shielded from the taxman, so any interest you earn on your savings is entirely yours to keep!"}],"markDefs":[],"style":"normal"},{"_key":"79c194eb5e91","_type":"block","children":[{"_key":"beb77167583d","_type":"span","marks":[],"text":""},{"_key":"c6dd240ab3b3","_type":"mainAnchor","pageAnchor":{"_ref":"6d129a89-21ae-4fef-b7c1-98a276085f78","_type":"reference"}},{"_key":"14a0cf9394f1","_type":"span","marks":[],"text":"How do Cash ISAs work?"}],"markDefs":[],"style":"h2"},{"_key":"c404fadd218a","_type":"block","children":[{"_key":"25f14ccf0a160","_type":"span","marks":[],"text":"Cash is King, or so they used to say. There's a lot to be said for boring and safe - you know exactly what you're getting, as unlike with a "},{"_key":"e1a53abace2d","_type":"span","marks":["6c3991e7068c"],"text":"Stocks & Shares ISA"},{"_key":"ccb635cb84d4","_type":"span","marks":[],"text":" invested in the stock market, your cash is less likely to suddenly freefall in value at any given time. Not 100% outside the realms of possibility - nothing is guaranteed - but you can generally expect a much steadier ride with cash."}],"markDefs":[{"_key":"6c3991e7068c","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"6b596c6b5d69","_type":"block","children":[{"_key":"781b3c225841","_type":"span","marks":[],"text":"With a Cash ISA, you can tuck away up to £20,000 every year and not have to worry about paying tax on any interest you earn! They make for a great emergency fund stash, as you can usually withdraw your cash very quickly if you need to. However, Cash ISAs aren't so great when inflation is high, as its purchasing power is decreasing over time and you could end up with less than the value of what you put in after a few years."}],"markDefs":[],"style":"normal"},{"_key":"a8cb66c8712d","_type":"block","children":[{"_key":"9c694f1821fe","_type":"span","marks":[],"text":"Although it's tempting, cash isn't necessarily always the right answer, particularly if you're saving for a longer-term goal and have more time on your hands. Not sure if a Cash ISA is right for you? Scroll down to delve into the pros and cons to help you decide."}],"markDefs":[],"style":"normal"},{"_key":"0b9d6f64bec8","_type":"block","children":[{"_key":"92adbb0d3fe2","_type":"span","marks":[],"text":""},{"_key":"7fdb39374b90","_type":"mainAnchor","pageAnchor":{"_ref":"59e85d19-2f08-4575-babd-6a5e3775d880","_type":"reference"}},{"_key":"b75db79dd8f1","_type":"span","marks":[],"text":"Easy access vs fixed-rate Cash ISAs"}],"markDefs":[],"style":"h2"},{"_key":"159f933580e8","_type":"block","children":[{"_key":"cb14c6cefa9f","_type":"span","marks":[],"text":"When it comes to Cash ISAs, not all options are created equal. Choosing the right type depends on your financial situation, goals, and how soon you might need to access your money. Let's break down the two main varieties to help you decide which one best suits your needs."}],"markDefs":[],"style":"normal"},{"_key":"cbb5b39cbc46","_type":"block","children":[{"_key":"82aed20c6d19","_type":"span","marks":[],"text":"There are two main types of Cash ISA: easy access and fixed-rate."}],"markDefs":[],"style":"normal"},{"_key":"b80e178defd7","_type":"block","children":[{"_key":"cfdc718f3853","_type":"span","marks":[],"text":"Easy access"}],"markDefs":[],"style":"h3"},{"_key":"f6a7735f65de","_type":"block","children":[{"_key":"3b35ecd5fc98","_type":"span","marks":[],"text":"An "},{"_key":"9cb760c0438f","_type":"span","marks":["strong"],"text":"easy access Cash ISA"},{"_key":"034a70964deb","_type":"span","marks":[],"text":" allows you to withdraw money from your account, making it ideal for those who want flexibility. However, some providers have a cap on the number of withdrawals you can make, or reduce the interest on your account if you exceed a certain number of withdrawals in a given period. The interest rates on these ISAs are typically variable, meaning they can fluctuate, and are heavily influenced by the Bank of England's base rate."}],"markDefs":[],"style":"normal"},{"_key":"11d744298b34","_type":"block","children":[{"_key":"4d6c5f58e1ac","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3104371d17b1","_type":"prosConsWidget","pros":["You may need to dip into your savings from time to time","You're unsure about locking your money away in a fixed account","You want a backup emergency fund but still want to earn tax-free interest"],"prosTitle":"Good for you if"},{"_key":"48482a7c6f41","_type":"textboxWidget","image":{"_type":"mainImage","asset":{"_ref":"image-a16fbbb3cb76e6053e1ee05700755ddb600d6521-1080x1080-png","_type":"reference"}},"text":[{"_key":"b45c4112db9c","_type":"block","children":[{"_key":"aba47183048d","_type":"span","marks":["strong"],"text":"Sponsored Message"}],"markDefs":[],"style":"normal"},{"_key":"6da07a0600ce","_type":"block","children":[{"_key":"737c89489267","_type":"span","marks":["strong"],"text":"Invest tax-free. Put more of your money to work."}],"markDefs":[],"style":"normal"},{"_key":"72503392bb8e","_type":"block","children":[{"_key":"4607c51f5ce5","_type":"span","marks":[],"text":"With a "},{"_key":"e22e70ea89e3","_type":"span","marks":["56694b662c6f"],"text":"Trading 212 Stocks & Shares ISA"},{"_key":"cdce51723938","_type":"span","marks":[],"text":", your money works harder."}],"markDefs":[{"_key":"56694b662c6f","_type":"internalLinkPick","blank":true,"reference":{"_ref":"f89871f1-d609-417f-b3b2-eac0fbcf9e7a","_type":"reference"}}],"style":"normal"},{"_key":"f08babf3f6db","_type":"block","children":[{"_key":"af42db27d511","_type":"span","marks":[],"text":"There are no account fees eating into your returns. No commission on trades. And if you're investing in overseas stocks, you'll pay just 0.15% FX fee — one of the lowest around."}],"markDefs":[],"style":"normal"},{"_key":"1d509d553538","_type":"block","children":[{"_key":"7c42c33c362e","_type":"span","marks":[],"text":"No account fees"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"604dba44daf1","_type":"block","children":[{"_key":"1ac482222d7b","_type":"span","marks":[],"text":"Zero-commission trading"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ee24c2512602","_type":"block","children":[{"_key":"f9b23c728714","_type":"span","marks":[],"text":"Just 0.15% FX fee on foreign currency trades"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e9bea23ce4eb","_type":"block","children":[{"_key":"bc5313ad2742","_type":"span","marks":[],"text":"Thousands of stocks and ETFs to choose from"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"25d56b793121","_type":"block","children":[{"_key":"2a33443e5f8a","_type":"span","marks":[],"text":"Choose from thousands of stocks and ETFs, and build a portfolio that actually reflects what you believe in — without the costs that quietly chip away at your progress. Tax-free investing used to feel complicated. "},{"_key":"b2a62265d4de","_type":"span","marks":["350ae57a64ad"],"text":"Trading 212"},{"_key":"29f79333d87d","_type":"span","marks":[],"text":" makes it straightforward."}],"markDefs":[{"_key":"350ae57a64ad","_type":"internalLinkPick","blank":true,"reference":{"_ref":"f89871f1-d609-417f-b3b2-eac0fbcf9e7a","_type":"reference"}}],"style":"normal"},{"_key":"6e25bdd926a7","_type":"block","children":[{"_key":"23d69e33e180","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"a5c7ddaf74ad","_type":"block","children":[{"_key":"ac55b50caa17","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"6e25bdd926a7","_type":"block","children":[{"_key":"23d69e33e180","_type":"span","marks":["strong"],"text":"Open your ISA today on Trading 212 — free to start, free to grow."}],"markDefs":[],"style":"normal"},{"_key":"59953bd33874","_type":"block","children":[{"_key":"3c5c05cb9169","_type":"span","marks":["em"],"text":"When investing, your capital is at risk and you may get back less than invested. Tax treatment depends on your individual circumstances and regulations which may change. Other fees may apply."}],"markDefs":[],"style":"normal"},{"_key":"8a5fdc65a583","_type":"block","children":[{"_key":"3af87cba6883","_type":"span","marks":["strong"],"text":"Sponsored Link"}],"markDefs":[],"style":"normal"}],"_key":"a579905418b9","_type":"ctaWidget","partner":true,"reference":{"_ref":"f89871f1-d609-417f-b3b2-eac0fbcf9e7a","_type":"reference"},"text":"VISIT SITE"},{"_key":"941c612021d6","_type":"block","children":[{"_key":"d70f90db9328","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2ea665cff2ae","_type":"block","children":[{"_key":"4c34185f5418","_type":"span","marks":[],"text":"Fixed-rate "}],"markDefs":[],"style":"h3"},{"_key":"88c688f5b09e","_type":"block","children":[{"_key":"2e8302f90e30","_type":"span","marks":[],"text":"A "},{"_key":"d962e0c01310","_type":"span","marks":["strong"],"text":"fixed-rate Cash ISA"},{"_key":"58e6609782b7","_type":"span","marks":[],"text":", on the other hand, locks your money away for a set period (usually 1-5 years, depending on which period suits your needs best) in exchange for a guaranteed interest rate. The trade-off is that early withdrawals may come with penalties, so this option is best for those who don’t need immediate access to their savings."}],"markDefs":[],"style":"normal"},{"_key":"30501f908812","_type":"block","children":[{"_key":"e2a98c31d1bd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"87b703a3c6ef","_type":"prosConsWidget","pros":["You don’t need access to your cash for a set period ","You want to lock in a guaranteed interest rate","You’re saving towards a medium-to-long-term goal, such as a house deposit"],"prosTitle":"Good for you if"},{"_key":"d4bd79a849a1","_type":"block","children":[{"_key":"2c7614dfa88e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0e9b651cdd5e","_type":"block","children":[{"_key":"86da7fdc6b80","_type":"span","marks":[],"text":""},{"_key":"37ff67d46516","_type":"mainAnchor","pageAnchor":{"_ref":"b2073e13-7e01-44ad-a202-38571d01d6dc","_type":"reference"}},{"_key":"317d15bc82dd","_type":"span","marks":[],"text":"Is a Cash ISA right for me?"}],"markDefs":[],"style":"h2"},{"_key":"45380b6fa1b1","_type":"block","children":[{"_key":"aff54d986ee60","_type":"span","marks":[],"text":"Picking between a Cash ISA or a Stocks & Shares ISA, for example, can be a bit of a confusing task. Ultimately, it comes down to how long you're investing for and how much risk you're comfortable with. Check out the pros and cons of Cash ISAs in the table below to work out if they're the right choice for you."}],"markDefs":[],"style":"normal"},{"_key":"df2c2a5f0b56","_type":"prosConsWidget","cons":["You're saving for the longer-term (>5 years)","You'd rather invest than sit on cash","Inflation is high"],"consTitle":"Bad if","pros":["You want near-100% certainty that your money is safe ","You might need your money sooner rather than later","Want a rainy day or emergency fund pot"],"prosTitle":"Good if"},{"_key":"fcf44d937699","_type":"block","children":[{"_key":"1d09b162f2dc","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"11864e8859be","_type":"block","children":[{"_key":"1969f25bcf4c","_type":"span","marks":[],"text":""},{"_key":"a56b0e4f1595","_type":"mainAnchor","pageAnchor":{"_ref":"77a399ae-1519-4911-b33d-0ef54b19e26a","_type":"reference"}},{"_key":"3eea2cd0aee2","_type":"span","marks":[],"text":"Cash ISA: Cash vs stock market"}],"markDefs":[],"style":"h2"},{"_key":"74140beef7a5","_type":"block","children":[{"_key":"fb499466f160","_type":"span","marks":[],"text":"Cash ISAs are popular savings vehicles because they're reliable, they're easy to get your head around, and - for the most part - you get back what you put in. But will siding with good old reliable cash mean you're missing out? Well, according to recent history, it might well do."}],"markDefs":[],"style":"normal"},{"_key":"42436cecac21","_type":"block","children":[{"_key":"951f899cd8bf","_type":"span","marks":[],"text":"The graph below demonstrates the respective growth of stock markets and cash in the period between 2015 and 2025."}],"markDefs":[],"style":"normal"},{"_key":"9deead423bbf","_type":"block","children":[{"_key":"0aefe7fa66c2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5d489c58c829","_type":"mainImage","asset":{"_ref":"image-2dc95e3136f45e7f000df00ddebc9a4ed4d299d0-1920x1080-png","_type":"reference"},"blankAltTag":true,"caption":"Source: FE Fundinfo, correct as at April 2025."},{"_key":"82b9f2c33a50","_type":"block","children":[{"_key":"65d23b15b596","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"138f47ce13ef","_type":"block","children":[{"_key":"a6346c0ebdbe","_type":"span","marks":[],"text":"Although many of us (understandably) fear the perceived risk that comes with the stock market, this chart helps to put it into perspective. There will be years when you make losses - that's largely unavoidable - however markets tend to rebound fairly quickly and over time your money is statistically likely to grow. Though cash is more predictable than the stock market, inflation - especially when it's higher than interest rates - means that your money is effectively less powerful with every passing day."}],"markDefs":[],"style":"normal"},{"_key":"f6122e23f936","_type":"block","children":[{"_key":"f0829063051c","_type":"span","marks":[],"text":""},{"_key":"937d5b964c85","_type":"mainAnchor","pageAnchor":{"_ref":"1fef5638-2936-4cfb-8c37-33c8eb453385","_type":"reference"}},{"_key":"858799f3271b0","_type":"span","marks":[],"text":"Cash ISA: Short-term vs long-term saving"}],"markDefs":[],"style":"h2"},{"_key":"d48b991b373b","_type":"block","children":[{"_key":"2a632d0ceaca","_type":"span","marks":[],"text":"It's this lingering threat of inflation that forces us to consider timing when it comes to Cash ISAs - specifically, how long you're going to be putting your money away for before you need to withdraw it."}],"markDefs":[],"style":"normal"},{"_key":"5cc781f9283d","_type":"block","children":[{"_key":"34d12357c534","_type":"span","marks":[],"text":"Looking at returns over the decade between 2015-2025, you can see that if £10,000 was invested in either the FTSE 100, MSCI World Index or in cash, the MSCI World Index came out on top. "}],"markDefs":[],"style":"normal"},{"_key":"e425330eba81","_type":"block","children":[{"_key":"045c72ff9d0c","_type":"span","marks":[],"text":"As an aside, it's interesting to observe that over this 10-year period, the FTSE 100 lagged significantly behind the MSCI World Index. This is a welcome reminder about the benefits of diversification (the art of NOT putting all your eggs into one basket)!"}],"markDefs":[],"style":"normal"},{"_key":"c89f589325c2","_type":"block","children":[{"_key":"28b4d13fadfe","_type":"span","marks":[],"text":"However, the main story here is that "},{"_key":"e42aaf3f2b6a","_type":"span","marks":["em"],"text":"investing "},{"_key":"29daecab0d5d","_type":"span","marks":[],"text":"your money - rather than having it sit in a bank account in wads of cash - would've earned you more money in the long run. So while the safety and security that comes with cash is a great failsafe if you think you might need to access your money quickly - for an emergency fund, for example - or for something very important to you, like a deposit on a flat, the stock market tends to perform significantly better over a longer period of time."}],"markDefs":[],"style":"normal"},{"_key":"72288d0dfc14","_type":"block","children":[{"_key":"7f9343e8dfc7","_type":"span","marks":[],"text":"That's why it's often helpful to think of cash vs the stock market in terms of timeframes. If you're going to need your money within the next 5 years, then cash - in a Cash ISA, so you don't have to worry about tax - makes a lot of sense. But if you're thinking about financial goals that are further away into the future - such as retirement - then putting your money into the stock market and making money off its long-term growth might be a better idea."}],"markDefs":[],"style":"normal"},{"_key":"1834a64da7e1","_type":"block","children":[{"_key":"ce288d86612c","_type":"span","marks":[],"text":""},{"_key":"413ad21c5861","_type":"mainAnchor","pageAnchor":{"_ref":"a334c9d7-cdb6-4dab-ae4a-8205a37ed586","_type":"reference"}},{"_key":"71ffcb1ea07d","_type":"span","marks":[],"text":"Common Cash ISA mistakes to avoid"}],"markDefs":[],"style":"h2"},{"_key":"a1dae48e9152","_type":"block","children":[{"_key":"6fc966fddde7","_type":"span","marks":["strong"],"text":"Leaving money in a low interest ISA account: "},{"_key":"3bf01c1e6450","_type":"span","marks":[],"text":"Many people stick with older Cash ISAs paying dismal rates. Check your rate regularly and consider transferring to an ISA with a more competitive rate if necessary."}],"level":1,"listItem":"number","markDefs":[],"style":"normal"},{"_key":"da6e29d36158","_type":"block","children":[{"_key":"4cfa20ed7b66","_type":"span","marks":["strong"],"text":"Not using your ISA allowance:"},{"_key":"13509daa08b0","_type":"span","marks":[],"text":" Your annual ISA allowance doesn’t roll over. If you don’t use it by 5 April each year, you lose it."}],"level":1,"listItem":"number","markDefs":[],"style":"normal"},{"_key":"634d84e579cf","_type":"block","children":[{"_key":"666d8fa6dad8","_type":"span","marks":["strong"],"text":"Assuming all Cash ISAs work the same way: "},{"_key":"037c590d32cb","_type":"span","marks":[],"text":"Not all easy access Cash ISAs allow you to dip in and out an unlimited number of times, for example, and may have a cap for each tax year. Always read the fine print before opening an account."}],"level":1,"listItem":"number","markDefs":[],"style":"normal"},{"_key":"7c1bd9323aaa","_type":"block","children":[{"_key":"a963337c1c93","_type":"span","marks":["strong"],"text":"Failing to transfer ISAs properly:"},{"_key":"6838fa1f62c2","_type":"span","marks":[],"text":" If you want to move your Cash ISA to a provider with a better interest rate, make sure you use the official ISA transfer process. Withdrawing out of the tax-free ISA wrapper and depositing back in manually could result in losing your tax-free benefits. Different providers may also charge exit fees so make sure to check the small print when moving your money around."}],"level":1,"listItem":"number","markDefs":[],"style":"normal"},{"_key":"9c2caaeb0d2b","_type":"block","children":[{"_key":"e5e7b427dd5b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h2"}],"categories":[{"_key":"5d629977f82e","_ref":"93c8563a-3c8a-440c-aa52-1792f61017f3","_type":"reference"},{"_key":"6b3bc69b28a4","_ref":"28a1a4a9-bcf8-4b55-9745-4b7689c454c6","_type":"reference"},{"_key":"63645e3c07a7","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"excerpt":[{"_key":"33a84a348436","_type":"block","children":[{"_key":"717f0830c8880","_type":"span","marks":[],"text":"A Cash ISA (or Individual Savings Account if you're feeling like talkative) is a type of bank account where you can keep your savings in cash - rather than invested in the stock market,"}],"markDefs":[],"style":"normal"}],"linkMenu":[{"_key":"c08a45951f20","_ref":"fefa4304-16ad-4f14-9139-13171f1a0e95","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":"Cash ISA","asset":{"_ref":"image-de46f96c8643ad6ed37e5055230025e5e57b5189-3840x2160-png","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"a21e4a74-7750-44ad-bd40-230156847804","_type":"reference"},"publishedAt":"2025-04-07T13:41:20.331Z","slug":{"_type":"slug","current":"cash-isa"},"subfolder":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"template":"C-SB","theme":"Boring Money theme","title":"Cash ISA Guide: Allowances, Easy Access vs Fixed Rate, and Common Mistakes","widgets":[{"_key":"b334073dac95","_ref":"79cbfce0-99a3-451e-82d4-c0b6a4487777","_type":"reference"},{"_key":"ebb3595e576f","_ref":"2d98a13f-5211-453c-be9e-9785894654db","_type":"reference"},{"_key":"f9fd4900d9d3","_ref":"bd52d3fb-8c34-42af-937b-c07bfe971d53","_type":"reference"},{"_key":"a40e6a6b056b","_ref":"2ec70f10-4986-454c-990f-b04eefcc6d9a","_type":"reference"},{"_key":"ae9683133000","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-13762cb6-95d7-556f-8653-fdfb2a123c50","children":[],"parent":null}},{"_key":"bbf4adfe2e3e","_type":"internalLinkPick","blank":true,"reference":{"_id":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"information","_rev":"8LO5O2Z8C4HuWQBIqE66mC","_createdAt":"2021-06-22T07:54:58Z","_updatedAt":"2026-03-20T13:01:36Z","_system":{"base":{"id":"4506578b-e50c-4553-8a44-48ae9d21285e","rev":"zMWGSpAy56s48nwtwPTq88"}},"authors":[{"_key":"a2dc53edf3d2","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"body":[{"_key":"c6d7e72e50e2","_type":"anchorMenuMobile","title":"s"},{"_key":"ea74a8939242","_type":"block","children":[{"_key":"2f154aa19269","_type":"span","marks":[],"text":""},{"_key":"01a54bf88e38","_type":"mainAnchor","pageAnchor":{"_ref":"db1de37b-dd40-4df6-812f-2257eb14f1aa","_type":"reference"}},{"_key":"7fc2cff95337","_type":"span","marks":[],"text":"The basics of Stocks & Shares ISAs"}],"markDefs":[],"style":"h2"},{"_key":"1c898c00849f","_type":"prosConsWidget","pros":["Can do much better than cash","No strings - take your money out when you need it","Pay no tax on any profits you make","Get going online from just £1 a month"],"prosTitle":"In a nutshell"},{"_key":"4653a713178f","_type":"emailSignupWidget","brazeCustomAttributes":[{"_key":"ddfe7e086e0c","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_ISAStocksandShares_Guide","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/stocks-shares-isa/"}],"brazeSubscriptionGroupId":"6ff8b394-c40b-4cb3-9396-e41096e561af","brazeSubscriptionRef":{"_ref":"4e9b8e57-0ab3-49c4-979f-d421d423d3a6","_type":"reference"},"image":{"_type":"mainImage","alt":"Trust pilot rating for Boring Money is 4.9 stars","asset":{"_ref":"image-dfc014340a982f044870a9200e9bba39927020cc-1000x575-png","_type":"reference"},"crop":{"_type":"sanity.imageCrop","bottom":0,"left":0,"right":0.3167808219178082,"top":0},"hotspot":{"_type":"sanity.imageHotspot","height":0,"width":0,"x":0.5839041095890409,"y":0.5}},"paragraphText":"Like what you're reading? Sign up to Boring Money for more!","thankYouText":[{"_key":"c19ac9aca719","_type":"block","children":[{"_key":"e92f6e4d1af7","_type":"span","marks":[],"text":"Thank you for signing up!"}],"markDefs":[],"style":"normal"}]},{"_key":"e62f483aae76","_type":"block","children":[{"_key":"d4794fd7ecab","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"898e6a6b7a92","_type":"block","children":[{"_key":"824b2783e2f7","_type":"span","marks":[],"text":""},{"_key":"1f3e55e1b73b","_type":"mainAnchor","pageAnchor":{"_ref":"c51dfbf0-7502-4c5d-b54d-cb8a53aaf690","_type":"reference"}},{"_key":"ca6e81dde3d1","_type":"span","marks":[],"text":"What is a Stocks & Shares ISA?"}],"markDefs":[],"style":"h2"},{"_key":"5c0cd91832c6","_type":"block","children":[{"_key":"c405c9f0938f","_type":"span","marks":[],"text":"A Stocks & Shares ISA is a type of savings account where you can save your money and invest in the stock market without having to worry about paying tax on any profits made. Every adult in the UK can tuck away up to"},{"_key":"6d5239f3d1e6","_type":"span","marks":["strong"],"text":" "},{"_key":"33624dfeed19","_type":"span","marks":[],"text":"£20,000 into a Stocks & Shares ISA in a single year, and any profits or income you make are tax-free. Forever. You can also take your money out whenever you need to (although beware that doing so and then adding money back in within the same tax year can impact your annual allowance if it's not a "},{"_key":"7ee5172da5c2","_type":"span","marks":["8242bba4c93e"],"text":"\"flexible\" ISA"},{"_key":"355abfc0a819","_type":"span","marks":[],"text":")."}],"markDefs":[{"_key":"8242bba4c93e","_type":"internalLinkPick","reference":{"_ref":"decc7a5d-2a64-4c9b-9fa6-aac6a4a89581","_type":"reference"}}],"style":"normal"},{"_key":"2eb50191f038","_type":"block","children":[{"_key":"882585431f3a","_type":"span","marks":[],"text":""},{"_key":"8c9d07a1b021","_type":"mainAnchor","pageAnchor":{"_ref":"f7f5e256-63dc-4d19-9d8d-31a6e15b7bbb","_type":"reference"}},{"_key":"66a4aade950b","_type":"span","marks":[],"text":"How do Stocks & Shares ISAs work?"}],"markDefs":[],"style":"h2"},{"_key":"86bc66456f00","_type":"block","children":[{"_key":"68bd96148d6a0","_type":"span","marks":[],"text":"As is always the case when it comes to investing in the stock market, you can lose money as well as make a profit. But where Stocks & Shares ISAs really shine is that they're a great product for those that want to invest but are put off by the complex and confusing tax rules that come with other types of investment accounts - such as General Investment Accounts (GIAs). So if you're thinking of investing but find wrapping your head around tax a bit of a headache, a Stocks & Shares ISA could be right for you."}],"markDefs":[],"style":"normal"},{"_key":"35c6e1afcd86","_type":"block","children":[{"_key":"634d137989f1","_type":"span","marks":[],"text":"For this reason, Stocks & Shares ISAs are popular with beginner and DIY investors in particular, but are a handy addition to any investor's portfolio if they want to make the most of their annual tax and earnings allowances. However, unlike the Cash ISA (where your money sits idly, safe and steady in cash reserves) a Stocks & Shares ISA gives you exposure to the stock market - and all the inherent highs and lows that come with it. So maybe not for you if you're investing for a short period of time or you'd rather something with less risk."}],"markDefs":[],"style":"normal"},{"_key":"184d3fed24f2","_type":"block","children":[{"_key":"c874269636cf","_type":"span","marks":[],"text":"Despite all the bells and whistles, just 15% of UK adults hold a Stocks and Shares ISA account. Still not sure if they're right for you? Scroll down to delve into the pros and cons to help you decide."}],"markDefs":[],"style":"normal"},{"_key":"42ae7f95d77d","_type":"block","children":[{"_key":"065061ecf983","_type":"span","marks":[],"text":""},{"_key":"7b9a9b3830f3","_type":"mainAnchor","pageAnchor":{"_ref":"03489c0e-4cd2-48d7-8700-e6eb389280d6","_type":"reference"}},{"_key":"07f61339a933","_type":"span","marks":[],"text":"Is a Stocks & Shares ISA right for me?"}],"markDefs":[],"style":"h2"},{"_key":"b63a98b22f71","_type":"block","children":[{"_key":"0181f9cabb8f","_type":"span","marks":[],"text":"Deciding if a Stocks & Shares ISA is a good addition to your investment portfolio can be tricky, but it ultimately comes down to how long you're investing for and how much risk you're comfortable with. Have a peek at the pros and cons of Stocks & Shares ISAs in the table below to work out if they're right for you."}],"markDefs":[],"style":"normal"},{"_key":"5a9beb608fb1","_type":"prosConsWidget","cons":["You'll need access to your money soon","You have credit card debt to pay off","You'll faint if markets have a bad year"],"consTitle":"Bad if","pros":["Want to invest without worrying about tax","You have an investing timeframe of 5 years+","Interest rates are low"],"prosTitle":"Good if"},{"_key":"dde5d08dbd96","_type":"block","children":[{"_key":"55f7770c12ac","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1caf5b9fb5e4","_type":"block","children":[{"_key":"61c9b3627352","_type":"span","marks":[],"text":""},{"_key":"8e14b4983241","_type":"mainAnchor","pageAnchor":{"_ref":"61abfcc5-ca28-406e-af55-8b50ff2af72f","_type":"reference"}},{"_key":"84a693f93c0b","_type":"span","marks":[],"text":"Stock markets vs cash"}],"markDefs":[],"style":"h2"},{"_key":"39edf33f9f39","_type":"block","children":[{"_key":"900d8b1f1e5d","_type":"span","marks":["strong"],"text":"If you had put £1,000 away in 2014, what would it be worth by the end of 2025?"}],"markDefs":[],"style":"normal"},{"_key":"0427d38014c8","_type":"block","children":[{"_key":"0cb657307e7c","_type":"span","marks":[],"text":"The graph below shows you a recent example of how cash has performed compared to stock market shares. For the purposes of this illustration, we've looked at the growth of a single £1,000 lump sum investment in cash and in two stock market indices: the "},{"_key":"f1915286e2d0","_type":"span","marks":["f365db81b024"],"text":"FTSE 100"},{"_key":"5adc2e3f2dd3","_type":"span","marks":[],"text":" and "},{"_key":"2c863edac773","_type":"span","marks":["405dad0129e4"],"text":"MSCI World"},{"_key":"6b6977283874","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"f365db81b024","_type":"glossaryPick","reference":{"_ref":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"reference"}},{"_key":"405dad0129e4","_type":"glossaryPick","reference":{"_ref":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"reference"}}],"style":"normal"},{"_key":"bf50d697e081","_type":"block","children":[{"_key":"1e67ab98fc3e","_type":"span","marks":[],"text":"It's clear to see that leaving your money in cash (pink) led to significantly less growth over the period between 2014 and 2025 than if you had invested in stock markets. And although the British FTSE 100 Index (blue) didn't perform quite as well as MSCI World (green), it still climbed by a whopping £1,294- compared to gains of just £199 from cash over the same time period. MSCI World has an impressive £2,806 gain."}],"markDefs":[],"style":"normal"},{"_key":"30cfa74fa485","_type":"block","children":[{"_key":"c83627867777","_type":"span","marks":[],"text":"NB: The dip you can see after Q4 2019 reflects the start of the COVID-19 pandemic and subsequent global lockdowns."}],"markDefs":[],"style":"normal"},{"_key":"04f7de214aa6","_type":"block","children":[{"_key":"4de77c5f9f75","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0fc5603f98be","_type":"frameWidget","href":"https://www.canva.com/design/DAG7OFE42_c/V25AjrWXM8szDDn7pZL9bg/view?embed"},{"_key":"9f0b8c9854d4","_type":"block","children":[{"_key":"c4d261625774","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ada0129d9d9","_type":"block","children":[{"_key":"102d48141425","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b76c279925f3","_type":"block","children":[{"_key":"daa564b0431f","_type":"span","marks":[],"text":""},{"_key":"76be62699b3e","_type":"mainAnchor","pageAnchor":{"_ref":"abce80e4-d3d9-4aac-abc1-510b2c118415","_type":"reference"}},{"_key":"f30cc6342f8e","_type":"span","marks":[],"text":"Stocks & Shares ISA: Short-term vs long-term investing "}],"markDefs":[],"style":"h2"},{"_key":"d82a8fc2fd0c","_type":"block","children":[{"_key":"8c136c2f2755","_type":"span","marks":[],"text":"It can be helpful to think about investing in the stock market a bit like the housing market. Imagine you hear on the news that the property market is down 3% in your area. Do you freak out, run for the hills and stockpile baked beans? No – only if you don't have a choice and "},{"_key":"aad09a6b9855","_type":"span","marks":["em"],"text":"have "},{"_key":"acc88a1b29a6","_type":"span","marks":[],"text":"to sell that year. Otherwise, you sit tight and wait for the market to recover. "}],"markDefs":[],"style":"normal"},{"_key":"1c3ec473a32f","_type":"block","children":[{"_key":"9342c0a6ccfa","_type":"span","marks":[],"text":"Shares and investing in the stock market are kind of the same. Unless you need to sell at that very point in time, you can sit tight and ride out the bad times, only selling when the markets are more in your favour. "}],"markDefs":[],"style":"normal"},{"_key":"b02b151be7de","_type":"block","children":[{"_key":"738702b1f9bc","_type":"span","marks":[],"text":"This is why timeframes matter so much. If you know you'll need to cash in within 12 months, stick it in the stock market anyway, and then some unfortunate force sends markets tumbling... well, you’re stuffed and your back’s against the wall. You'll have to withdraw your cash during a dip. But if you can park your money for longer - say, 5 years or more - it’s much less likely you'll have to sell when things are rubbish."}],"markDefs":[],"style":"normal"},{"_key":"4249037765fa","_type":"block","children":[{"_key":"53725bd4af3b0","_type":"span","marks":[],"text":"As a very loose rule of thumb, expecting to make about 5% a year from a diversified portfolio (that is, essentially, a mixed bag) of investments should be achievable. Some years it could be 20%, some years it could be minus 20%. An important rule for investing is to avoid needing to be a forced seller in bad years, so the longer you give yourself to invest, the greater your ability to ride out any rough patches and cash in on your own terms - hopefully once you've made a decent profit!"}],"markDefs":[],"style":"normal"},{"_key":"b498c1bc502f","_type":"textboxWidget","image":{"_type":"mainImage","asset":{"_ref":"image-5b3b22671ffb7aa8393fcc54bdb8a3997661c7b5-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","text":[{"_key":"d2e21570f22c","_type":"block","children":[{"_key":"aad4aba88be0","_type":"span","marks":["strong"],"text":"Regular cash savers are putting away £273 a month. Investors, £344."}],"markDefs":[],"style":"normal"},{"_key":"0a6820c76412","_type":"block","children":[{"_key":"9fb848382c6c","_type":"span","marks":[],"text":"These cash savers are just one step away from turning their strong saving habits into regular investing."}],"markDefs":[],"style":"normal"},{"_key":"e64d75bc2906","_type":"block","children":[{"_key":"afca20e228cd","_type":"span","marks":[],"text":"What are the features cash savers say make it easier to start investing? "},{"_key":"48fbd31bb9aa","_type":"span","marks":["f730de15eeba"],"text":"BlackRock’s Bridging the gap"},{"_key":"0d5e7df8ff12","_type":"span","marks":[],"text":": From saving to investing report highlights:"}],"markDefs":[{"_key":"f730de15eeba","_type":"internalLinkPick","blank":true,"reference":{"_ref":"0b51e9cf-43b7-4190-b031-36291f16aae4","_type":"reference"}}],"style":"normal"},{"_key":"453e93897994","_type":"block","children":[{"_key":"2aedddce4231","_type":"span","marks":[],"text":"Start small: 83% of savers say they’d be more likely to invest if they could start with as little as £1–£50 per month"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"3e75d7d5dde4","_type":"block","children":[{"_key":"33be64d98fea","_type":"span","marks":[],"text":"Keep it simple: ~45% want flexibility, transparency and simplicity"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d7febbb343a7","_type":"block","children":[{"_key":"f7f2540357d9","_type":"span","marks":[],"text":"Confidence: 43% want a step-by-step guide"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7ace29174796","_type":"block","children":[{"_key":"b96ddbe72b8d","_type":"span","marks":[],"text":"Every investor starts somewhere. Small steps, big impact."}],"markDefs":[],"style":"normal"},{"_key":"86b7f8fbd798","_type":"block","children":[{"_key":"d798c4554489","_type":"span","marks":["strong"],"text":"​"},{"_key":"6e4c5fe32663","_type":"span","marks":[],"text":"Regular cash saver = Respondents who said they 'do not currently have investments but are open to investing in the future' and who are regularly making contributions to cash savings account or ISA.​\nSource: "},{"_key":"ed17e1151fd1","_type":"span","marks":["599380446bb4"],"text":"BlackRock Bridging the gap: From saving to investing"},{"_key":"9ed9cd2c3b6f","_type":"span","marks":[],"text":", Dec 2025"}],"markDefs":[{"_key":"599380446bb4","_type":"internalLinkPick","reference":{"_ref":"0b51e9cf-43b7-4190-b031-36291f16aae4","_type":"reference"}}],"style":"normal"}],"title":"Blackrock"},{"_key":"31edda0e601c","_type":"block","children":[{"_key":"acd4ebc366e1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"d01a141e8c03","_type":"block","children":[{"_key":"e682afe0f5d1","_type":"span","marks":["strong"],"text":"Find out more"}],"markDefs":[],"style":"normal"},{"_key":"41bce9ed5340","_type":"block","children":[{"_key":"81b442eaa20a","_type":"span","marks":["em"],"text":""}],"markDefs":[],"style":"normal"}],"_key":"301e2d4ad05a","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"partner":true,"reference":{"_ref":"0b51e9cf-43b7-4190-b031-36291f16aae4","_type":"reference"},"text":"READ THE REPORT"},{"_key":"f1b8c015a37e","_type":"block","children":[{"_key":"3969728b09df","_type":"span","marks":[],"text":""},{"_key":"41e2b96a1a81","_type":"mainAnchor","pageAnchor":{"_ref":"de11b854-1405-452f-b312-e1ed6bbc24a8","_type":"reference"}},{"_key":"465560c9831b","_type":"span","marks":[],"text":"Stocks & Shares ISA: How risky is it?"}],"markDefs":[],"style":"h2"},{"_key":"507928f37beb","_type":"block","children":[{"_key":"fd3122a14683","_type":"span","marks":[],"text":"A Stocks & Shares ISA is as risky as whatever you're using it to invest in. So first up, don’t lose your mind and chase daft things like Bitcoin, gambling and spivvy schemes. Investing ultimately comes down to backing decent companies which do things you can get your head around and which make a profit, or have a damn good plan which will "},{"_key":"8a32973014ba","_type":"span","marks":["em"],"text":"make "},{"_key":"97946f0a6356","_type":"span","marks":[],"text":"them a profit. It’s like Dragon’s Den but on a larger scale."}],"markDefs":[],"style":"normal"},{"_key":"1d6886405254","_type":"block","children":[{"_key":"268a63f04360","_type":"span","marks":[],"text":"Some companies won’t make it. They won't hit oil, get that patent, or they'll suffer at the hands of an inept CEO. And if you're putting all your money behind that one company, then you're potentially losing a lot of it when its shares start to fall. That's why another of the most important rules of investing is to diversify and spread your money around a mix of different investments, so you can minimise your exposure to any one bad apple. So whether you're using a Stocks & Shares ISA or a "},{"_key":"0f9f6494d7ff","_type":"span","marks":["1dd505a90510"],"text":"Self-Invested Personal Pension (SIPP)"},{"_key":"2e7dba79791a","_type":"span","marks":[],"text":", investing in a "},{"_key":"4d4c45857700","_type":"span","marks":["22fe9ab63204"],"text":"fund"},{"_key":"8d3839177efd","_type":"span","marks":[],"text":" or an "},{"_key":"f66b16c429bf","_type":"span","marks":["97babda9aee4"],"text":"ETF"},{"_key":"ba6e4142de20","_type":"span","marks":[],"text":", bear this in mind."}],"markDefs":[{"_key":"22fe9ab63204","_type":"internalLinkPick","reference":{"_ref":"563c0ac4-83b1-459c-bc85-2ffbcf7d3521","_type":"reference"}},{"_key":"1dd505a90510","_type":"internalLinkPick","reference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"}},{"_key":"97babda9aee4","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}}],"style":"normal"},{"_key":"b9df4bec5115","_type":"block","children":[{"_key":"c5c87a2d112e","_type":"span","marks":[],"text":"No-one can look you in the eye and guarantee that you will absolutely, 100% make money in the stock market. However, if you're looking at more than a 5-year timeframe, the odds have historically ruled in favour for the stock market to do better than cash. And though Cash ISAs will protect your lump sum, your money is likely to grow at a much slower pace. This leaves you particularly exposed to the risk of inflation, and with the cost of living going up faster than interest rates, any cash sitting in a bank account is effectively going backwards in value – that is, its purchasing clout gets lower every year. "}],"markDefs":[],"style":"normal"},{"_key":"dfb5ca6d784c","_type":"block","children":[{"_key":"24910e026c40","_type":"span","marks":[],"text":"So really, it's a personal choice. Would you sleep better at night knowing there's virtually no risk in losing any capital? Then a Cash ISA is probably better for you. But if you still want to invest in the stock market, remember that the longer you give yourself, the more time you have to ride out any bumps along the way - smoothing out your risk exposure."}],"markDefs":[],"style":"normal"},{"_key":"a19592681683","_type":"block","children":[{"_key":"16b267dade6c","_type":"span","marks":[],"text":"For more on weighing up Cash ISAs and Stocks & Shares ISAs, and which is best for your attitude to investment risk, check out "},{"_key":"1b8670dab76d","_type":"span","marks":["2586b1357dc1"],"text":"this article"},{"_key":"7fcf36788e22","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"2586b1357dc1","_type":"internalLinkPick","reference":{"_ref":"f1074ea6-e7b0-475f-9cb0-4a22d74cebf5","_type":"reference"}}],"style":"normal"},{"_key":"8d8c7ecb2baf","_type":"block","children":[{"_key":"7b8787a7b096","_type":"span","marks":[],"text":""},{"_key":"88ec304fd373","_type":"mainAnchor","pageAnchor":{"_ref":"496a8c48-2177-45d5-878c-b03dbeb72ed7","_type":"reference"}},{"_key":"80cb4e197000","_type":"span","marks":[],"text":"Stocks & Shares ISAs and tax"}],"markDefs":[],"style":"h2"},{"_key":"5cc510db1390","_type":"block","children":[{"_key":"bc8574d89c45","_type":"span","marks":[],"text":"Stocks and Shares ISAs are tax-efficient in a number of ways. Here are 3 ways they can help you invest without worrying about the taxman:"}],"markDefs":[],"style":"normal"},{"_key":"437df0c7b0b6","_type":"block","children":[{"_key":"a6e277bfc4c0","_type":"span","marks":["strong"],"text":"You don’t pay capital gains tax on profits from increases in share prices when shares are sold."},{"_key":"0590f2554115","_type":"span","marks":[],"text":" Good. Outside an ISA you’d pay 10% (basic rate taxpayer) or 20% (higher rate taxpayer) once you go over your capital gains tax allowance for the year."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"12647d7145bb","_type":"block","children":[{"_key":"ae3fc00efb36","_type":"span","marks":["strong"],"text":"There's no tax on interest earned on bonds"},{"_key":"57a38ced89d0","_type":"span","marks":[],"text":". Nice. This would be treated like cash interest outside of an ISA."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"5af4998bc30d","_type":"block","children":[{"_key":"dbb0eee89652","_type":"span","marks":["strong"],"text":"There's no tax on dividends within an ISA"},{"_key":"0ac8750f3132","_type":"span","marks":[],"text":". Outside an ISA, there's a dividend allowance of £1,000. Beyond that, dividends are taxed at 8.75% (basic rate taxpayer), 33.75% (higher rate taxpayer) and 39.35% (additional rate taxpayer)."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7c82650eb34b","_type":"block","children":[{"_key":"7b5527c9788d","_type":"span","marks":[],"text":""},{"_key":"3e0d664bece7","_type":"mainAnchor","pageAnchor":{"_ref":"d126b370-d02a-448b-94fa-bfd7b22886df","_type":"reference"}},{"_key":"6230b3d15fbd","_type":"span","marks":[],"text":"How do I start investing with a Stocks & Shares ISA?"}],"markDefs":[],"style":"h2"},{"_key":"99ecd88f0312","_type":"block","children":[{"_key":"5469e42a949f0","_type":"span","marks":[],"text":"If you haven't invested before, it can be daunting to figure out which products to buy and where to purchase them, but the good news is that the whole process is simpler than ever before."}],"markDefs":[],"style":"normal"},{"_key":"6e8fb0875c73","_type":"block","children":[{"_key":"3946793871d20","_type":"span","marks":[],"text":"If you're a beginner investor and you're not quite sure who to trust, every year we recognise the companies we think offer the very best Stocks & Shares ISAs with our coveted Best Buy ISA award. Read about this year's Best Buy ISA winners and see our full reviews of each one by clicking the link below!"}],"markDefs":[],"style":"normal"},{"_key":"2b71fd5a9b70","_type":"block","children":[{"_key":"0a297569984d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"d626d7518d94","_type":"block","children":[{"_key":"dd6966a51be1","_type":"span","marks":["strong"],"text":"Discover the winners of the 2025 Best Buy ISA award"}],"markDefs":[],"style":"normal"}],"_key":"cc4b6cd593b5","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"2ad629d9-20cb-4c7a-baa9-ff52494a3b0d","_type":"reference"},"text":"SHOW ME"},{"_key":"00ca20d0af1f","_type":"block","children":[{"_key":"54de18987dd8","_type":"span","marks":[],"text":""},{"_key":"effb43bafbd0","_type":"mainAnchor","pageAnchor":{"_ref":"aa40100c-c669-48bf-8669-ad3932a450c9","_type":"reference"}},{"_key":"57df1cfd867c","_type":"span","marks":[],"text":"Find the right Stocks & Shares ISA provider"}],"markDefs":[],"style":"h2"},{"_key":"b48451ceecc6","_type":"block","children":[{"_key":"e69c226fdf53","_type":"span","marks":[],"text":"Alternatively, if you would like to see more options available to you, head over to our ISA comparison tables. Enter the amount you want to invest and select filters that suit your requirements, such as whether they offer ready-made solutions or have ESG options. Click the link below to dig in!"}],"markDefs":[],"style":"normal"},{"_key":"c162feb57cd0","_type":"block","children":[{"_key":"08308deedffe","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"bbfbc6fb7b2e","_type":"block","children":[{"_key":"e34a8d102f53","_type":"span","marks":["strong"],"text":"Compare Stocks & Shares ISA providers"}],"markDefs":[],"style":"normal"}],"_key":"d254c9621a55","_type":"ctaWidget","reference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"text":"GET STARTED"},{"_key":"2ad6bbfc7341","_type":"block","children":[{"_key":"0f809ca9543e0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"brazeCustomAttributes":[{"_key":"44d17cbfb661","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_Article_Gated","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/stocks-shares-isa/"}],"categories":[{"_key":"d4970f30191f","_ref":"39d2ca7f-4862-4ab2-b902-0bf10f1d4c34","_type":"reference"},{"_key":"eb8a2362d0cd","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"emailSignupWidgetButtonText":"JOIN US","enableGatedContent":true,"excerpt":[{"_key":"b8a80063a5e7","_type":"block","children":[{"_key":"8cd60d00f103","_type":"span","marks":[],"text":"A Stocks & Shares ISA is a type of savings account where you can invest in the stock market without having to worry about tax."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"0f0d00bddb67","_type":"block","children":[{"_key":"3ef870f7225a0","_type":"span","marks":[],"text":"Tax-Free Investment Made Simple"}],"markDefs":[],"style":"h2"},{"_key":"83257bfbfa64","_type":"block","children":[{"_key":"edcf7c4092c90","_type":"span","marks":[],"text":"Quick facts "}],"markDefs":[],"style":"h2"},{"_key":"592939a9054e","_type":"textboxWidget","text":[{"_key":"6684a57e4582","_type":"block","children":[{"_key":"fb529cfb4319","_type":"span","marks":[],"text":"Annual allowance: £20,000"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f5b26ac91d28","_type":"block","children":[{"_key":"c0a45b76febf","_type":"span","marks":[],"text":"Tax benefits: No tax on profits, dividends, or interest"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a17eb965b2f5","_type":"block","children":[{"_key":"610b57a2d534","_type":"span","marks":[],"text":"Minimum investment: From £1/month with some providers"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"556a42bd003b","_type":"block","children":[{"_key":"84375479ba80","_type":"span","marks":[],"text":"Access: Withdraw money anytime"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"827622adac54","_type":"block","children":[{"_key":"5e8eeef0e836","_type":"span","marks":[],"text":"Investment types: Shares, funds, ETFs, bonds "}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8616b3442ff7","_type":"block","children":[{"_key":"a5858378b088","_type":"span","marks":[],"text":"Risk level: Varies based on investments chosen"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"title":"Quick Facts "},{"_key":"e74d6a6a1c1a","_type":"block","children":[{"_key":"a47b92c33dfe","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7846bc51e917","_type":"block","children":[{"_key":"45c74e5d29770","_type":"span","marks":[],"text":"If you'd invested £10,000 in a Cash ISA in 2013, you'd have gained £1,102 by 2023. The same amount in a stock market tracker fund could have grown by over £22,000. While past performance doesn't guarantee future returns, this stark difference shows why Stocks & Shares ISAs have become the go-to choice for longer-term savings goals."}],"markDefs":[],"style":"normal"},{"_key":"d482001f8667","_type":"block","children":[{"_key":"ff1ef849d0ac0","_type":"span","marks":[],"text":"What is a Stocks & Shares ISA?"}],"markDefs":[],"style":"h2"},{"_key":"3e6e7b549ef3","_type":"block","children":[{"_key":"59ea2c68a2090","_type":"span","marks":[],"text":"Think of a Stocks & Shares ISA as a tax-free wrapper for your investments. It's a savings account that lets you invest in the stock market without paying tax on any profits you make. Every UK adult gets a £20,000 annual allowance, and any returns you generate are protected from tax."}],"markDefs":[],"style":"normal"},{"_key":"26e223cd23ab","_type":"block","children":[{"_key":"174cb9bc1ec30","_type":"span","marks":[],"text":"Key Benefits"}],"markDefs":[],"style":"h2"},{"_key":"927fc0d7e099","_type":"block","children":[{"_key":"7aebd9fe43380","_type":"span","marks":[],"text":"Tax Efficiency: "}],"markDefs":[],"style":"h3"},{"_key":"3d18a1f52688","_type":"block","children":[{"_key":"f9d382500d200","_type":"span","marks":[],"text":"No capital gains tax on profits"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4d202cbc2855","_type":"block","children":[{"_key":"c649f8869f4e0","_type":"span","marks":[],"text":"No tax on dividend income"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1708494fada2","_type":"block","children":[{"_key":"e8501c28b1770","_type":"span","marks":[],"text":"No tax on interest from bonds"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4c9929f2693e","_type":"block","children":[{"_key":"b36ef6818c5b0","_type":"span","marks":[],"text":"Flexibility: "}],"markDefs":[],"style":"h3"},{"_key":"1ff8b10ed626","_type":"block","children":[{"_key":"599d414a3c790","_type":"span","marks":[],"text":"Access your money whenever needed"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"665141376273","_type":"block","children":[{"_key":"358c4f5ef3350","_type":"span","marks":[],"text":"Start from just £1 monthly"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"11727847420c","_type":"block","children":[{"_key":"22dda7b7ba7c0","_type":"span","marks":[],"text":"Choose your own investments"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ed016955f511","_type":"block","children":[{"_key":"2b346019f4b30","_type":"span","marks":[],"text":"Is It Right For You?"}],"markDefs":[],"style":"h2"},{"_key":"b5b3fa5a5791","_type":"prosConsWidget","cons":["You need guaranteed access to your money soon","You have high-interest debts to clear first","You're uncomfortable with any investment risk"],"consTitle":"Might not suit you if ","pros":[" Want to invest for 5+ years ","Are comfortable with market ups and downs ","Want to avoid tax complications","Are looking for potential higher returns than cash"],"prosTitle":"Ideal if you "},{"_key":"c9b5077b727a","_type":"block","children":[{"_key":"abed88b0ff870","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":true,"linkMenu":[{"_key":"3c5090b21dc4","_ref":"757ac6de-f794-495d-8840-216537ee94d9","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":"Stocks and Shares ISA","asset":{"_ref":"image-edebd4a53aa4d638a1c531a4df475436a4d6bf1b-1920x1080-png","_type":"reference"}},"publishedAt":"2025-03-30T09:10:00.000Z","slug":{"_type":"slug","current":"stocks-shares-isa"},"subfolder":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"template":"C-SB","textNextToKey":"Join Boring Money for free to read more","title":"The Essential Guide to Stocks & Shares ISAs: Benefits, How They Work, and How to Invest","widgets":[{"_key":"f3d743984de7","_ref":"79cbfce0-99a3-451e-82d4-c0b6a4487777","_type":"reference"},{"_key":"43fb28a54455","_ref":"2d98a13f-5211-453c-be9e-9785894654db","_type":"reference"},{"_key":"4da46ec9c10a","_ref":"bd52d3fb-8c34-42af-937b-c07bfe971d53","_type":"reference"},{"_key":"7e62d3653edb","_ref":"2ec70f10-4986-454c-990f-b04eefcc6d9a","_type":"reference"},{"_key":"a036d37aeff8","_ref":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","_type":"reference"},{"_key":"3cdf7c013d87","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-e51d5851-bcf0-5529-bb4c-71e620d6cc7a","children":[],"parent":null}}],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How is a Stocks & Shares ISA different from a Cash ISA?"},{"_key":"096d2b879670a03519945e5f2ce697b1","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"f7f88452a993","_type":"block","children":[{"_key":"4131fe7474b1","_type":"span","marks":[],"text":"Can I take my money out whenever I want?"}],"markDefs":[],"style":"h3"},{"_key":"0ca874e0f967","_type":"block","children":[{"_key":"1c527eff7158","_type":"span","marks":[],"text":"Yes — there's no lock-in. However, if you withdraw and pay money back in within the same tax year, this can affect your annual £20,000 allowance unless your ISA is a \"flexible\" one. Always check with your provider."}],"markDefs":[],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Can I take my money out whenever I want?"},{"_key":"bf3655d9727d899472e62678637bd6f4","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"cef5c86d40ff","_type":"block","children":[{"_key":"c14f68d4bed9","_type":"span","marks":[],"text":"How much can I invest in a Stocks & Shares ISA?"}],"markDefs":[],"style":"h3"},{"_key":"678b6ee012d6","_type":"block","children":[{"_key":"76ce9a45b6f5","_type":"span","marks":[],"text":"Up to £20,000 per tax year across all your ISAs combined. You get a fresh allowance every year on 6 April, and any unused allowance can't be carried forward."}],"markDefs":[],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How much can I invest in a Stocks & Shares ISA?"},{"_key":"a33bf4a9213091e53da2eb9c0db88791","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"b11c7519890f","_type":"block","children":[{"_key":"72361625cf68","_type":"span","marks":[],"text":"Is a Stocks & Shares ISA right for me? "}],"markDefs":[],"style":"h3"},{"_key":"b6f15af580ba","_type":"block","children":[{"_key":"e9a8b448b1e2","_type":"span","marks":[],"text":"It depends on your timeframe and risk tolerance. It tends to suit people who are investing for five years or more, want to grow their money beyond what cash can offer, and are comfortable with the idea that markets can go up and down. It's probably not right for you if you need the money within the next year or two, have high-interest debt to pay off first, or would struggle to stomach seeing your portfolio fall in value."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Is a Stocks & Shares ISA right for me? "},{"_key":"1ea77cdca1811ccd8c2079afb04466ba","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"ffff514e2774","_type":"block","children":[{"_key":"45f7162265dc","_type":"span","marks":[],"text":"How risky is a Stocks & Shares ISA? "}],"markDefs":[],"style":"h3"},{"_key":"3485bfd8d250","_type":"block","children":[{"_key":"c193f6c36af8","_type":"span","marks":[],"text":"It depends on what you choose to invest in. The key is "},{"_key":"7b08da4c08f7","_type":"span","marks":["e6991894fbf4"],"text":"diversification"},{"_key":"da7130bd59c4","_type":"span","marks":[],"text":" — spreading your money across different companies, sectors, and geographies so that one bad investment doesn't wipe out your savings. Funds and ETFs do this automatically, which is why they're popular with beginners."}],"markDefs":[{"_key":"e6991894fbf4","_type":"internalLinkPick","blank":true,"reference":{"_id":"6e0fb5a5-2a36-4806-8108-6d06543c931a","_type":"linkCategory","_rev":"QM4CDF4TqKcWiw50BVgXBx","_createdAt":"2025-12-12T12:34:58Z","_updatedAt":"2025-12-12T12:35:01Z","url":"https://www.boringmoney.co.uk/ask/can-you-diversify-your-portfolio-with-a-single-fund/","id":"-03f6ef7b-5238-504a-be97-c42796913e7b","children":[],"parent":null}}],"style":"normal"}],"styles":"White","title":"How risky is a Stocks & Shares ISA?"},{"_key":"04eabe135a4e59b6b6859fe8a0b57acf","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"5cc35680fa81","_type":"block","children":[{"_key":"a8904d78d2e4","_type":"span","marks":[],"text":"What are the tax benefits of a Stocks & Shares ISA? "}],"markDefs":[],"style":"h3"},{"_key":"326013566409","_type":"block","children":[{"_key":"8e62f7d17cf2","_type":"span","marks":[],"text":"There are three main ones: no "},{"_key":"88ffa4843d17","_type":"span","marks":["a154b3f0fa4d"],"text":"capital gains tax"},{"_key":"f73020a2474c","_type":"span","marks":[],"text":" on profits when you sell investments, no tax on interest from "},{"_key":"82539b3d2b76","_type":"span","marks":["4c3294f2f5e8"],"text":"bonds"},{"_key":"fef814c7f569","_type":"span","marks":[],"text":" held within the ISA, and no tax on "},{"_key":"89bfc49900fe","_type":"span","marks":["a6fc01d9ec0c"],"text":"dividends"},{"_key":"3ca60e193841","_type":"span","marks":[],"text":". Outside an ISA, all three of these could cost you money depending on your tax bracket."}],"markDefs":[{"_key":"a154b3f0fa4d","_type":"internalLinkPick","blank":true,"reference":{"_id":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"information","_rev":"w7AcJHr77MNAajxBeEZMIh","_createdAt":"2023-08-07T11:46:40Z","_updatedAt":"2025-12-12T16:59:51Z","_system":{"base":{"id":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","rev":"OMZYv93HPqA1EybndoOJdK"}},"authors":[{"_key":"1c8f485fe302","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"8fc49c53acd4","_type":"block","children":[{"_key":"8712df2ac2d3","_type":"span","marks":[],"text":"By "},{"_key":"80aeb3ebaa3a","_type":"span","marks":["strong"],"text":"Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"934d3461a8d7","_type":"block","children":[{"_key":"d9463ca29619","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5825ba0c10c9","_type":"block","children":[{"_key":"504a9defbc7f","_type":"span","marks":["strong"],"text":"More and more investors are having to consider the tax implications of their investments, and, as rates have risen and thresholds dropped, Capital Gains Tax is now a significant consideration. We explain what it is, how much it costs and when it applies in this no-nonsense guide."}],"markDefs":[],"style":"normal"},{"_key":"b9a9ef6517cd","_type":"block","children":[{"_key":"03c5600be792","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"eb08a17a873f","_type":"mainImage","alt":"Capital Gains Tax Guide image","asset":{"_ref":"image-d2c57812e1a00f27a924b3c40492a0392d82e9e1-960x540-png","_type":"reference"}},{"_key":"19eb58095063","_type":"anchorMenuMobile","title":"m"},{"_key":"87bd2d2c8515","_type":"block","children":[{"_key":"51955dc285ab","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f84bbb3c2577","_type":"textboxWidget","text":[{"_key":"b4f41bc09bef","_type":"block","children":[{"_key":"618fc89aa0e8","_type":"span","marks":[],"text":"🥜 In a nutshell"}],"markDefs":[],"style":"h4"},{"_key":"b17a412e9870","_type":"block","children":[{"_key":"31eabdeeb2d3","_type":"span","marks":[],"text":"Tax you pay to the government if your ‘gains’ (profits) exceed the £3,000 annual threshold"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ef37fd125df9","_type":"block","children":[{"_key":"7c3776eb873c0","_type":"span","marks":[],"text":"Includes gains you make when you sell shares, bonds, property and other investments"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"cac69ceb4008","_type":"block","children":[{"_key":"1006cb61e57f0","_type":"span","marks":[],"text":"You don’t have to pay it if you invest via a tax-exempt account like an "},{"_key":"4b7ebcc4be3f","_type":"span","marks":["48e7aa50035b"],"text":"ISA"},{"_key":"69dd2b190c1c","_type":"span","marks":[],"text":"!"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"48e7aa50035b","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"}]},{"_key":"86df93a61c2d","_type":"block","children":[{"_key":"eebf9288e642","_type":"span","marks":[],"text":""},{"_key":"44e4f481285f","_type":"mainAnchor","pageAnchor":{"_ref":"2bb6912c-54e9-4800-9275-5a6bb1dec494","_type":"reference"}},{"_key":"1ea7140244aa0","_type":"span","marks":[],"text":"What is Capital Gains Tax?"}],"markDefs":[],"style":"h2"},{"_key":"069ada36300f","_type":"block","children":[{"_key":"126d1661d736","_type":"span","marks":[],"text":"Capital Gains Tax (CGT) is a tax which you pay to the UK government on the profit - “"},{"_key":"d5011c735abc","_type":"span","marks":["d182faa6a21f"],"text":"gains"},{"_key":"1a4e4cab4de6","_type":"span","marks":[],"text":"” - you make when you sell something - an “"},{"_key":"6dd9a80ffc6d","_type":"span","marks":["40fe126c4f50"],"text":"asset"},{"_key":"3a04cadcec1c","_type":"span","marks":[],"text":"” - that has increased in value. Most of the time, this refers to things like "},{"_key":"030aa858cb07","_type":"span","marks":["53f803e1a1c8"],"text":"shares"},{"_key":"25509eac9af0","_type":"span","marks":[],"text":", "},{"_key":"c9b4d83db52c","_type":"span","marks":["66e3c15a8a3e"],"text":"bonds"},{"_key":"a2557960c915","_type":"span","marks":[],"text":", property and other investments."}],"markDefs":[{"_key":"40fe126c4f50","_type":"glossaryPick","reference":{"_ref":"bbd21391-fb19-4ae7-9dd4-03e45b9ff515","_type":"reference"}},{"_key":"d182faa6a21f","_type":"glossaryPick","reference":{"_ref":"ee32bb27-97cd-4f28-b22c-45a809d2c7fb","_type":"reference"}},{"_key":"53f803e1a1c8","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}},{"_key":"66e3c15a8a3e","_type":"internalLinkPick","reference":{"_ref":"583a0e19-d23d-4df3-989f-54c2368f0d41","_type":"reference"}}],"style":"normal"},{"_key":"1f7f230046c2","_type":"block","children":[{"_key":"388fd0bd5ea4","_type":"span","marks":[],"text":"If you’re investing outside a tax-efficient account such as an "},{"_key":"59b23ef400ed","_type":"span","marks":["5f6107892c5d"],"text":"ISA"},{"_key":"ec44b4dbcaab","_type":"span","marks":[],"text":", you could have to pay CGT on any gain that exceeds the tax-free allowance. This includes anyone investing via a "},{"_key":"d46856f3764d","_type":"span","marks":["baa1c4f734fa"],"text":"General Investment Account (GIA)"},{"_key":"e50fc77327d8","_type":"span","marks":[],"text":", for example. More on this later."}],"markDefs":[{"_key":"5f6107892c5d","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}},{"_key":"baa1c4f734fa","_type":"internalLinkPick","reference":{"_ref":"5a9228ba-a3c9-4551-a0fa-b89474ae2f42","_type":"reference"}}],"style":"normal"},{"_key":"b555438cc1bc","_type":"block","children":[{"_key":"c8c0f8bc4853","_type":"span","marks":[],"text":"Tax-free allowance"}],"markDefs":[],"style":"h3"},{"_key":"432671c0667b","_type":"tableControl","rows":[{"_key":"b70906ddbcc7","_type":"row","cells":[{"_key":"95aedf7b9114","_type":"cell","tableStyle":"DB","value":[{"_key":"8abb99ea0c67","_type":"block","children":[{"_key":"9911161b9225","_type":"span","marks":[],"text":"Allowance for"}],"markDefs":[],"style":"normal"}]},{"_key":"6f3817d84137","_type":"cell","tableStyle":"DB","value":[{"_key":"412c7133d023","_type":"block","children":[{"_key":"7b444f45abef","_type":"span","marks":[],"text":"Annual exempt amount"}],"markDefs":[],"style":"normal"}]}]},{"_key":"40bce9abda40","_type":"row","cells":[{"_key":"aee7fd83e850","_type":"cell","tableStyle":"W","value":[{"_key":"eaefd038b0dd","_type":"block","children":[{"_key":"64d34a46eff9","_type":"span","marks":[],"text":"Individuals"}],"markDefs":[],"style":"normal"}]},{"_key":"759c3dd622ab","_type":"cell","tableStyle":"W","value":[{"_key":"317afaccb30c","_type":"block","children":[{"_key":"eddc1ef3eaaf","_type":"span","marks":[],"text":"£3,000"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"Tax-free allowance"},{"_key":"cbeeb724d039","_type":"block","children":[{"_key":"40d812a0c104","_type":"span","marks":["em"],"text":"Correct as at 2025-26 tax year."}],"markDefs":[],"style":"small"},{"_key":"3fa2930c4db7","_type":"block","children":[{"_key":"6cc58d103ec9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"07f4b4c6327b","_type":"block","children":[{"_key":"abe1b8051f35","_type":"span","marks":[],"text":"The tax-free allowance for the 2025-26 tax year is £3,000 for individuals. This is half of what it was just two years ago, when individuals could make gains of up to £6,000 before falling into the CGT net."}],"markDefs":[],"style":"normal"},{"_key":"4761d08b7110","_type":"block","children":[{"_key":"6bcc2f2057dd","_type":"span","marks":[],"text":"The annual allowance is only £1,500 for trusts. However, the rules around CGT and trusts are complex and highly dependent on your unique circumstances and financial set-up. "}],"markDefs":[],"style":"normal"},{"_key":"f5247d5575b1","_type":"block","children":[{"_key":"296523235ec7","_type":"span","marks":[],"text":"We recommend reading the "},{"_key":"775ef670f8bd","_type":"span","marks":["7001baae51bb"],"text":"gov.uk website"},{"_key":"777e2369db9b","_type":"span","marks":[],"text":" for more guidance or speaking to a qualified financial adviser for further advice. You can start your search for an adviser on our directory "},{"_key":"2569cf46112c","_type":"span","marks":["07b2923275a9"],"text":"here"},{"_key":"aa59c7741fe0","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"7001baae51bb","_type":"internalLinkPick","blank":true,"reference":{"_ref":"735c5712-8e98-41f9-9763-7db355c63652","_type":"reference"}},{"_key":"07b2923275a9","_type":"internalLinkPick","reference":{"_ref":"05b8ece2-aa86-4ae1-bf8c-461e5fffa227","_type":"reference"}}],"style":"normal"},{"_key":"61cd09a5a1ab","_type":"block","children":[{"_key":"4711ad375166","_type":"span","marks":[],"text":""},{"_key":"99e5a0eb957b","_type":"mainAnchor","pageAnchor":{"_ref":"f2769294-9149-4ee6-961c-b4177daf5c90","_type":"reference"}},{"_key":"0f973e1a1512","_type":"span","marks":[],"text":"How does Capital Gains Tax work?"}],"markDefs":[],"style":"h2"},{"_key":"7906741326e3","_type":"prosConsWidget","cons":["","","","","",""],"pros":["Shares","Cryptocurrency","Art","Property (not your main residence)","Antiques","Fine jewellery"],"prosTitle":"Assets typically subject to CGT:"},{"_key":"87d7ec42e64d","_type":"block","children":[{"_key":"29eee2b117ff0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e8df9ae4b44b","_type":"block","children":[{"_key":"2820727190a9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4c9e46b27a8b","_type":"block","children":[{"_key":"6818d6671d95","_type":"span","marks":[],"text":"However, it’s the gain you make when you sell them that’s subject to CGT, not the total amount of money you receive."}],"markDefs":[],"style":"normal"},{"_key":"1c815f00a9ac","_type":"block","children":[{"_key":"df2322485bc90","_type":"span","marks":[],"text":"Example:"}],"markDefs":[],"style":"h3"},{"_key":"e0326b27d473","_type":"block","children":[{"_key":"f475decf021d","_type":"span","marks":[],"text":"Let’s say you own shares worth £20,000 and you sell them for £28,000 at a later date. You’ve made a gain of £8,000 (£28,000 - £20,000), so you’d have to pay CGT on the amount which that exceeds the tax-free allowance. In this case, you have £5,000 of gains over the allowance (£8,000 - £3,000), so you’d be charged CGT on this additional £5,000."}],"markDefs":[],"style":"normal"},{"_key":"3e90954d3da8","_type":"block","children":[{"_key":"66f97e7cea9d","_type":"span","marks":[],"text":"The amount of CGT you have to pay depends on your usual tax bracket - it's 18% for basic rate taxpayers and 24% for higher rate taxpayers. So if you're on the basic rate then you'd have to pay £900 in CGT based on the above scenario, rising to £1,200 for a higher rate tax payer. We explain more about the different rates of CGT further down the page."}],"markDefs":[],"style":"normal"},{"_key":"df9c8d7fdd2b","_type":"block","children":[{"_key":"0556c176e60b","_type":"span","marks":[],"text":""},{"_key":"5989082f44c5","_type":"mainAnchor","pageAnchor":{"_ref":"2d2a2b85-acd8-4b78-a4cd-e2cfdfe7c1a2","_type":"reference"}},{"_key":"0b1271ec83e3","_type":"span","marks":[],"text":"When do you not have to pay Capital Gains Tax?"}],"markDefs":[],"style":"h2"},{"_key":"55e52363e9c6","_type":"block","children":[{"_key":"abc9b16f0144","_type":"span","marks":[],"text":"There are some circumstances where you don’t have to pay CGT. In most circumstances, you don’t have to pay any CGT when you sell your main home, for example – this is referred to as private residence relief. You also do not have to pay CGT on gifts to your spouse, civil partner or a charity."}],"markDefs":[],"style":"normal"},{"_key":"8a03aa6daa34","_type":"block","children":[{"_key":"616dcf1c5428","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"871798dfa672","_type":"prosConsWidget","cons":["Assets held in ISAs","UK government gilts","Premium bonds","Betting, lottery or pools winnings"],"consTitle":"Assets that are not usually subject to CGT:","pros":["","","",""]},{"_key":"ee44f9528927","_type":"block","children":[{"_key":"900606575faa0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2ec2e505190f","_type":"block","children":[{"_key":"6a38b8544ae3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d0cff6355a16","_type":"block","children":[{"_key":"04279528c869","_type":"span","marks":[],"text":"You also normally won’t have to pay CGT on assets you sell that are likely to go down in value when you resell them - typically referred to as ‘wasting assets’. These include:"}],"markDefs":[],"style":"normal"},{"_key":"1eeb94dac462","_type":"block","children":[{"_key":"133c65c73362","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ca17192e5b2d","_type":"prosConsWidget","cons":["Cars"," Natural resources such as coal and natural gas","Machinery","Furniture"],"consTitle":"Wasting Assets:","pros":["","","",""]},{"_key":"d36f7e56f742","_type":"block","children":[{"_key":"f18a249a64c9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"96b2babf9c12","_type":"block","children":[{"_key":"d2e9a4eac1a8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8f05ca27f301","_type":"block","children":[{"_key":"1e9aef309d900","_type":"span","marks":[],"text":"If you’re selling your own business"}],"markDefs":[],"style":"h3"},{"_key":"6732828f5f8a","_type":"block","children":[{"_key":"98fa9ba5f79e","_type":"span","marks":[],"text":"When you sell your own business, or a percentage of your business, you will have to pay CGT. However, you may only need to pay a fixed rate of 1014% (from April 2025 onwards) due to something called ‘business asset disposal relief’ – previously known as Entrepreneur’s Relief. "}],"markDefs":[],"style":"normal"},{"_key":"dc1b553af731","_type":"block","children":[{"_key":"8ece7d3b577c","_type":"span","marks":[],"text":"To quality for this tax relief, both of the following must apply for at least 2 years up to the date you sell all or part of your business:"}],"markDefs":[],"style":"normal"},{"_key":"32683f748db1","_type":"block","children":[{"_key":"2b5744d29785","_type":"span","marks":[],"text":"Be a sole trader or business partner"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b44c6c157b05","_type":"block","children":[{"_key":"49871406e5de0","_type":"span","marks":[],"text":"Have owned your business for at least two years"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"01eddd3dd0a4","_type":"block","children":[{"_key":"300d1e785949","_type":"span","marks":[],"text":"You can read more about business asset disposal relief on the gov.uk website "},{"_key":"75410475b7b5","_type":"span","marks":["7e5e95ec3b05"],"text":"here"},{"_key":"023bdde08024","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"7e5e95ec3b05","_type":"internalLinkPick","blank":true,"reference":{"_ref":"bcbfd36b-4791-4336-b48d-cd541087d532","_type":"reference"}}],"style":"normal"},{"_key":"6667e40cf3a0","_type":"block","children":[{"_key":"546ebad469de0","_type":"span","marks":[],"text":"If you’re selling overseas assets"}],"markDefs":[],"style":"h3"},{"_key":"b4e4036f4e0f","_type":"block","children":[{"_key":"9b307360ce8d0","_type":"span","marks":[],"text":"You may still have to pay CGT even if the assets you’re selling are overseas. There are special rules if you’re a UK resident but your permanent home is not in the UK. This can get a bit complex and is highly dependent on your unique circumstances so we recommend you read the government’s official guidance "},{"_key":"580decd79566","_type":"span","marks":["61581245fadc"],"text":"here"},{"_key":"4dd3546d8f1c","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"61581245fadc","_type":"internalLinkPick","reference":{"_ref":"1e9b7c4a-bac7-447d-bb11-680e30c01103","_type":"reference"}}],"style":"normal"},{"_key":"1661999b8440","_type":"block","children":[{"_key":"2924ee35a7230","_type":"span","marks":[],"text":"If you’re abroad"}],"markDefs":[],"style":"h3"},{"_key":"b56930ba7043","_type":"block","children":[{"_key":"24ba84bdeee30","_type":"span","marks":[],"text":"You have to pay CGT on gains you make on selling property and land in the UK even if you’re anon-resident for tax purposes. However, you do not pay CGT on other UK assets - for example, shares in UK companies - unless you return to the UK within 5 years of initially leaving."}],"markDefs":[],"style":"normal"},{"_key":"b4341572805a","_type":"block","children":[{"_key":"94179992b1330","_type":"span","marks":[],"text":"When someone dies"}],"markDefs":[],"style":"h3"},{"_key":"7d22b526aa40","_type":"block","children":[{"_key":"3312896206df","_type":"span","marks":[],"text":"When someone dies, Inheritance Tax is usually paid on the deceased person's estate. If you’re a beneficiary and you receive some assets from them, you only need to pay CGT if you go onto sell that asset at a later date. The gain will be calculated from the "},{"_key":"6fcbe44c7b70","_type":"span","marks":["09c9f7fa0d60"],"text":"probate"},{"_key":"fa98122f4557","_type":"span","marks":[],"text":" value to the date it is sold. You can read more about how Inheritance Tax works in our full guide "},{"_key":"d34c1a2f1a41","_type":"span","marks":["334b762c4a24"],"text":"here"},{"_key":"b62843c31b5b","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"334b762c4a24","_type":"internalLinkPick","reference":{"_ref":"5738b43a-eede-418b-baf6-c902784e06e7","_type":"reference"}},{"_key":"09c9f7fa0d60","_type":"glossaryPick","reference":{"_ref":"648a4915-ceba-4182-b856-1cdc5a818c5b","_type":"reference"}}],"style":"normal"},{"_key":"383ebe80cc25","_type":"block","children":[{"_key":"041214564556","_type":"span","marks":[],"text":""},{"_key":"efd7ebe41148","_type":"mainAnchor","pageAnchor":{"_ref":"3258eddd-edd7-4b05-ac35-7eb3ef1c28c5","_type":"reference"}},{"_key":"84f236cc247e","_type":"span","marks":[],"text":"Capital Gains Tax rates explained"}],"markDefs":[],"style":"h2"},{"_key":"c7082517bf4a","_type":"block","children":[{"_key":"4ec99c38454c","_type":"span","marks":[],"text":"The rate of CGT that you have to pay differs depending on your usual tax band. There used to be different rates for residential property and shares, but these were equalised in the October 2024 budget and apply from April 2025 onwards."}],"markDefs":[],"style":"normal"},{"_key":"c9990d61c45b","_type":"block","children":[{"_key":"92930facfcbe","_type":"span","marks":[],"text":"Below is a table which summarises the rate of CGT you can expect to pay on different types of asset, depending on your usual tax band:"}],"markDefs":[],"style":"normal"},{"_key":"c91151ff76a7","_type":"block","children":[{"_key":"0f253895cfe9","_type":"span","marks":[],"text":"Capital Gains Tax rates"}],"markDefs":[],"style":"h3"},{"_key":"9367158c1c51","_type":"tableControl","rows":[{"_key":"982d23414bca","_type":"row","cells":[{"_key":"50e7fa70a2a8","_type":"cell","tableStyle":"DB","value":[{"_key":"a6802eec8d68","_type":"block","children":[{"_key":"f4cb40cab1400","_type":"span","marks":[],"text":"Type of asset"}],"markDefs":[],"style":"normal"}]},{"_key":"10afad6c5462","_type":"cell","tableStyle":"DB","value":[{"_key":"c056820847ae","_type":"block","children":[{"_key":"dd6ad179a2db0","_type":"span","marks":[],"text":"Basic rate"}],"markDefs":[],"style":"normal"}]},{"_key":"c651f806502b","_type":"cell","tableStyle":"DB","value":[{"_key":"4f389840ce29","_type":"block","children":[{"_key":"ea4f0b2b344e","_type":"span","marks":[],"text":"Higher rate"}],"markDefs":[],"style":"normal"}]}]},{"_key":"6e85ef8ee3cf","_type":"row","cells":[{"_key":"7129004f6c4c","_type":"cell","tableStyle":"W","value":[{"_key":"d5e615f4bd83","_type":"block","children":[{"_key":"f6346a57e3c00","_type":"span","marks":[],"text":"Shares"}],"markDefs":[],"style":"normal"}]},{"_key":"1f244d36111f","_type":"cell","tableStyle":"W","value":[{"_key":"3cad7b52fec3","_type":"block","children":[{"_key":"8da5e61035370","_type":"span","marks":[],"text":"18%"}],"markDefs":[],"style":"normal"}]},{"_key":"cd5b2d4cea45","_type":"cell","tableStyle":"W","value":[{"_key":"96e0c68429cc","_type":"block","children":[{"_key":"3d0c1b83f3d2","_type":"span","marks":[],"text":"24%"}],"markDefs":[],"style":"normal"}]}]},{"_key":"e5761cb7ed60","_type":"row","cells":[{"_key":"887670dc1e66","_type":"cell","tableStyle":"W","value":[{"_key":"738f3a97c64c","_type":"block","children":[{"_key":"a208724e497d0","_type":"span","marks":[],"text":"Residential property"}],"markDefs":[],"style":"normal"}]},{"_key":"b0d8f539b793","_type":"cell","tableStyle":"W","value":[{"_key":"7c4820641376","_type":"block","children":[{"_key":"ca2ea8b3fb400","_type":"span","marks":[],"text":"18%"}],"markDefs":[],"style":"normal"}]},{"_key":"05ceba5387db","_type":"cell","tableStyle":"W","value":[{"_key":"8f7789b9e8d1","_type":"block","children":[{"_key":"6d6e165c0e0a","_type":"span","marks":[],"text":"24%"}],"markDefs":[],"style":"normal"}]}]},{"_key":"546f4913a243","_type":"row","cells":[{"_key":"a4f7308d7bef","_type":"cell","tableStyle":"W","value":[{"_key":"efd961d136b6","_type":"block","children":[{"_key":"fcc33d1cba9b0","_type":"span","marks":[],"text":"Bitcoin/Cryptocurrency"}],"markDefs":[],"style":"normal"}]},{"_key":"e024cf6cbddf","_type":"cell","tableStyle":"W","value":[{"_key":"17c2d78802c6","_type":"block","children":[{"_key":"878e602d2c030","_type":"span","marks":[],"text":"18%"}],"markDefs":[],"style":"normal"}]},{"_key":"da6a339c4f4b","_type":"cell","tableStyle":"W","value":[{"_key":"acfe007d0cfd","_type":"block","children":[{"_key":"6555657557c4","_type":"span","marks":[],"text":"24%"}],"markDefs":[],"style":"normal"}]}]},{"_key":"93cca052fb3d","_type":"row","cells":[{"_key":"2f7d516986c1","_type":"cell","tableStyle":"W","value":[{"_key":"d3e4d39d58bc","_type":"block","children":[{"_key":"bf31ea767f7a","_type":"span","marks":[],"text":"Other"}],"markDefs":[],"style":"normal"}]},{"_key":"1b37d558a8ea","_type":"cell","tableStyle":"W","value":[{"_key":"7252098b47b9","_type":"block","children":[{"_key":"6f4d81b80867","_type":"span","marks":[],"text":"18%"}],"markDefs":[],"style":"normal"}]},{"_key":"edb21a053dfd","_type":"cell","tableStyle":"W","value":[{"_key":"686925cd6a0b","_type":"block","children":[{"_key":"33f0e29ca9a7","_type":"span","marks":[],"text":"24%"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"Capital Gains Tax rates"},{"_key":"17cbc0f70cdc","_type":"block","children":[{"_key":"16586f92248b","_type":"span","marks":["em"],"text":"Correct as at 2025-26 tax year."}],"markDefs":[],"style":"small"}],"brazeCustomAttributes":[{"_key":"40908864be2d","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_Article_Gated","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/essential-guide-to-capital-gains-tax/"}],"categories":[{"_key":"472e12f1cdac","_ref":"dd0844ff-d219-41f0-9006-8cc97e1faff1","_type":"reference"},{"_key":"fa6f64bb9d8c","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"}],"emailSignupWidgetButtonText":"SIGN UP","emailSignupWidgetParagraphText":"Join Boring Money for free today to make better money choices, whether using our guides, expert analysis, or comparison tools to find the best home for your money. Registering should take you less than a minute, so it's quick and painless.  \n\n  ","enableGatedContent":true,"excerpt":[{"_key":"7eaeca1c0a31","_type":"block","children":[{"_key":"fec90a4f3847","_type":"span","marks":[],"text":"More and more investors are having to consider the tax implications of their investments, and, as rates have risen and thresholds dropped, Capital Gains Tax is now a significant consideration. We explain what it is, how much it costs and when it applies in this no-nonsense guide."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"d2d2469d0c51","_type":"block","children":[{"_key":"ad264d10055f","_type":"span","marks":["strong"],"text":"Capital Gains Tax is catching more investors than ever before. With the annual tax-free allowance slashed from £12,000 to just £3,000 in recent years, understanding when and how much CGT you'll pay has become essential for anyone investing outside an ISA."}],"markDefs":[],"style":"normal"},{"_key":"2bdec2e4c584","_type":"block","children":[{"_key":"abda2f250935","_type":"span","marks":[],"text":"Capital Gains Tax (CGT) is charged on the profit you make when selling assets like shares, bonds, property, or cryptocurrency. Once your gains exceed £3,000 in a tax year, you'll pay 18% as a basic rate taxpayer or 24% as a higher rate taxpayer on the excess."}],"markDefs":[],"style":"normal"},{"_key":"03ae04dabe56","_type":"block","children":[{"_key":"a5fa9fa21cc4","_type":"span","marks":[],"text":"The good news? Investments held in ISAs are completely exempt from CGT. But if you're investing through a General Investment Account (GIA) or hold other taxable assets, you need to know the rules."}],"markDefs":[],"style":"normal"},{"_key":"644b2e7e353e","_type":"prosConsWidget","pros":["Which assets are subject to CGT (and which aren't)","Special rules for selling your business, overseas assets, or inherited property","How to calculate what you owe with worked examples","Tax relief opportunities that could save you thousands"],"prosTitle":"Our guide covers "},{"_key":"fee8bd26e651","_type":"block","children":[{"_key":"ef6441a8785a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1586aaa0d3c1","_type":"block","children":[{"_key":"dedf0af3fcfe","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0c7af0732e3e","_type":"block","children":[{"_key":"5b8355360a70","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5e38ef3fa277","_type":"block","children":[{"_key":"48c0c23f6a62","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":true,"linkMenu":[{"_key":"cf9cf45fcb00","_ref":"9a3d87af-f65e-465c-ad38-63058082f415","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":"Capital Gains Tax","asset":{"_ref":"image-d2c57812e1a00f27a924b3c40492a0392d82e9e1-960x540-png","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"0a834813-82e9-48ca-bd85-9fa42e118556","_type":"reference"},"publishedAt":"2025-08-26T10:41:09.265Z","slug":{"_type":"slug","current":"essential-guide-to-capital-gains-tax"},"subfolder":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"template":"C-SB","textNextToKey":"Unlock this guide to continue reading ","title":"Essential Guide to Capital Gains Tax: Allowances, Rates, and Exceptions","widgets":[{"_key":"a423d9036e32","_ref":"7cb51935-c6ca-4273-b76d-34d4e0e111b9","_type":"reference"},{"_key":"16c2ad6b8cd9","_ref":"c83b5f9f-160b-4289-8c17-314bfe7f0b2d","_type":"reference"},{"_key":"96fe182a1f72","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-db407ac1-d202-5c52-96a8-bbfcb5a793cb","children":[],"parent":null}},{"_key":"4c3294f2f5e8","_type":"glossaryPick","reference":{"_id":"ea467285-7d48-4093-b16e-76d3f8a95fc1","_type":"glossaryHover","_rev":"o7OZbxoPmY2fDdqRM0Ixi2","_createdAt":"2025-04-30T13:29:44Z","_updatedAt":"2025-04-30T13:30:01Z","description":"A type of asset that represents a loan, usually issued by a government, company or agency that wants to raise money to fund its operations.","title":"Bond","id":"-9dea76c7-8791-5b4a-b105-00a05033b357","children":[],"parent":null}},{"_key":"a6fc01d9ec0c","_type":"glossaryPick","reference":{"_id":"43ececc2-2ff3-43e8-932b-b412f2145213","_type":"glossaryHover","_rev":"pTWiiMyc1zJOfVMw5H8UMQ","_createdAt":"2025-09-25T12:42:53Z","_updatedAt":"2025-09-25T12:43:02Z","description":"A payment made by a company to its shareholders, typically representing a distribution of the company's profits.","title":"Dividend","id":"-3967a240-a749-5702-aa37-35b2741f776d","children":[],"parent":null}}],"style":"normal"}],"styles":"White","title":"What are the tax benefits of a Stocks & Shares ISA?"},{"_key":"c4bcfddb893f","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"Space"},{"_key":"d050e0845814","_type":"bigBlockGroup","bigBlockItems":[{"_key":"886b99ffa3d0","_type":"bigBlockItem","introPara":[{"_key":"63bbc5c58db3","_type":"block","children":[{"_key":"14cd335502780","_type":"span","marks":[],"text":"A 'robo' adviser offers up ready-made portfolios and so costs include both admin and investment charges. A platform is for those who prefer to pick their own investments – the costs may look cheaper here as we only include the admin charges – the investment fees will typically add another £25 - £75 per £10,000 managed, depending on what you pick."}],"markDefs":[],"style":"small"}],"title":"Platform types"},{"_key":"70490647fe00","_type":"bigBlockItem","introPara":[{"_key":"55c85fda04f0","_type":"block","children":[{"_key":"9daf97d49fa10","_type":"span","marks":[],"text":"We try really hard to keep our consumer reviews genuine and representative. As a final step, an administrator checks every review before publishing. If you have any questions please contact us "},{"_key":"abd51e149ec5","_type":"span","marks":["2b07db6357c6"],"text":"here"},{"_key":"6f6f7ee92681","_type":"span","marks":[],"text":" or send a letter to Boring Money Ltd, 10 Lower Thames Street, London, EC3R 6AF"}],"markDefs":[{"_key":"2b07db6357c6","_type":"internalLinkPick","reference":{"_ref":"b35cac1c-228a-4987-aeca-bb774b8e0e3c","_type":"reference"}}],"style":"small"}],"title":"Grubby behaviour"},{"_key":"d8afdbab6022","_type":"bigBlockItem","introPara":[{"_key":"260d9bdb952b","_type":"block","children":[{"_key":"5af8f96878d70","_type":"span","marks":[],"text":"Most of our revenue comes from providing research and consultancy services the industry. As the costs of building our website grow, we have also started to activate “introducer revenues” for some of the provider sites you click through to. Look out for the colour orange on the site. This is us being as clear as we can be when anything on our pages has a commercial benefit to us, or is a sponsored arrangement. More info is available "},{"_key":"b94a70e460a9","_type":"span","marks":["b9ccd82193ec"],"text":"here"},{"_key":"9787a494e25b","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b9ccd82193ec","_type":"internalLinkPick","reference":{"_ref":"cc735c68-c1b8-4987-acff-3931653c3639","_type":"reference"}}],"style":"small"}],"title":"How we make money"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":6,"styles":"Grey-Transparent","title":"DISCLAIMER","titleLineClamp":1},{"_key":"7282413d1dc3","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"eb112cbb7dd3","_type":"block","children":[{"_key":"23429c086248","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dc8f88141013","_type":"block","children":[{"_key":"fcef23cc4d95","_type":"span","marks":["em"],"text":"By default our tables sort on the basis of (1) “Most Popular” providers based on customer choice (2) Descending order of the Boring Money customer recommendation score. Pricing may vary depending on money invested, transaction value and trading frequency. We have selected the pricing tiers we believe to be relevant to the largest number of investors."}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent","title":"Disclaimer"},{"_key":"e15290ad8f2bf035fdf4bd2f541cbae7","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"Space"}],"emailSignupWidgetButtonText":"UNLOCK","emailSignupWidgetParagraphText":"Sign up to Boring Money for expert comparisons, real customer reviews, fees, offers, and more - everything you need to make smart money choices. Answer five quick questions to get going today!","emailSignupWidgetTitle":"UNLOCK OUR ISA COMPARISON TABLE","enableGatedContent":true,"excerpt":[{"_key":"2eedafb8ba7a","_type":"block","children":[{"_key":"2e7aaa7300fe","_type":"span","marks":[],"text":"Compare the best ISAs and investment accounts in the UK. Find stocks and shares ISAs, and investment platforms with our expert reviews and tables."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue background  - Text center - Faded","gatedContentBody":[{"_key":"13f96dc0dd81","_type":"headerBlock","alignment":"Center","desktopImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_id":"image-bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300-png","_type":"sanity.imageAsset","_rev":"l1Md3CJJvIvGtdKzHhG7Lz","_createdAt":"2024-02-27T15:00:35Z","_updatedAt":"2024-02-27T15:00:35Z","assetId":"bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"4aPP.Pof%ftP~p","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":6.4,"height":300,"width":1920},"hasAlpha":true,"isOpaque":true,"lqip":"data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABQAAAADCAYAAACTWi8uAAAACXBIWXMAAA7EAAAOxAGVKw4bAAAA3klEQVQImQ3OXU+CYACAUX9/F205N1uJieVWOXS1wsytT5iaLEQrBEFdwOuyrWQIXj51fsHJbTeCLA6JVy6R06XfueKwUGJv54Db+g1ef8Bi/IrvjgkDh9XSJvjQsDoKl9UKSv2Cif1Oug7ZJoJclgjS3wAxN9HbCuflI6SiROO0wehBI7zTmN8/4VgG3tTCfdPptpuoJzJnlTItVcWf2iQ/AVkSkcs2gk0cEcxMrps1CvkiVbmGaeisFjbf1hBhDPicjJh5Q3rPLeSSRH53n2O5ykvvka+lT7KOSP+HfzuLyj667+crAAAAAElFTkSuQmCC","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#35394b","foreground":"#fff","population":6.68,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#8a601c","foreground":"#fff","population":0.18,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#35394b","foreground":"#fff","population":6.68,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#d7ceb5","foreground":"#000","population":2.6,"title":"#000"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#e5c295","foreground":"#000","population":1.59,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#ad974b","foreground":"#fff","population":1.56,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#d83766","foreground":"#fff","population":1.34,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"Untitled design (31).png","path":"images/k8qzcdw3/prod1503/bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300.png","sha1hash":"bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b","size":357241,"uploadId":"yXNf42GM24kpk9i6AWIzXeBKLggC1B2N","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300.png","filename":"Untitled design (31).png","width":1920,"height":300,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300.png?rect=860,0,200,300&w=%width%&h=%height%&q=80","id":"image-bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300-png","children":[],"parent":null},"blankAltTag":true},"mobileImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_id":"image-0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340-png","_type":"sanity.imageAsset","_rev":"NNaYzMKiCJ6MqzAO8Mrys5","_createdAt":"2024-02-27T15:03:29Z","_updatedAt":"2024-02-27T15:03:29Z","assetId":"0f320a12f77a88b42e484e4f28b886bc2131e4ac","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"DTQJM?t7%foy~p%3oeoeofoc","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":3.764705882352941,"height":340,"width":1280},"hasAlpha":true,"isOpaque":true,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#373b4b","foreground":"#fff","population":5.14,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#8e6b18","foreground":"#fff","population":0.11,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#373b4b","foreground":"#fff","population":5.14,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#d9d0b5","foreground":"#000","population":2.02,"title":"#000"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#e9c691","foreground":"#000","population":1.34,"title":"#000"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#74b49c","foreground":"#000","population":0.01,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#de3265","foreground":"#fff","population":1.16,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"ISA Compare header tablet.png","path":"images/k8qzcdw3/prod1503/0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340.png","sha1hash":"0f320a12f77a88b42e484e4f28b886bc2131e4ac","size":256242,"uploadId":"S0q1Wkt54vRxx7fzEla0A2pF0arqnhCE","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340.png","filename":"ISA Compare header tablet.png","width":1280,"height":340,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340.png?rect=527,0,227,340&w=%width%&h=%height%&q=80","id":"image-0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340-png","children":[],"parent":null}},"reference":{"_id":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"landingPage","_rev":"HaE9Y1GS3p0U3ZL8s9Db87","_createdAt":"2021-11-25T16:01:50Z","_updatedAt":"2026-04-16T08:00:34Z","MainImage":{"_type":"mainImage","asset":{"_id":"image-ea564799e901c1cb8ff6b7a821741dc4060e2067-1920x1080-png","_type":"sanity.imageAsset","_rev":"SzgAsMO1t43GgLlhz7ZL4x","_createdAt":"2023-06-09T13:52:27Z","_updatedAt":"2023-06-09T13:52:27Z","assetId":"ea564799e901c1cb8ff6b7a821741dc4060e2067","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"MUQvgyt7M{t7.7t7oLoeofkA_MkBt7jaIV","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.7777777777777777,"height":1080,"width":1920},"hasAlpha":true,"isOpaque":true,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#35394c","foreground":"#fff","population":4.58,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#8f6616","foreground":"#fff","population":0.08,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#35394c","foreground":"#fff","population":4.58,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#ddd2b5","foreground":"#000","population":1.11,"title":"#000"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#f06a9b","foreground":"#000","population":0.17,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#6a6c8b","foreground":"#fff","population":0.53,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#e13066","foreground":"#fff","population":1,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"Find the best ISA for you .png","path":"images/k8qzcdw3/prod1503/ea564799e901c1cb8ff6b7a821741dc4060e2067-1920x1080.png","sha1hash":"ea564799e901c1cb8ff6b7a821741dc4060e2067","size":575256,"uploadId":"eLYBxu3cWdtbV72i2eJdUee054jog9tb","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/ea564799e901c1cb8ff6b7a821741dc4060e2067-1920x1080.png","filename":"Find the best ISA for you .png","width":1920,"height":1080,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/ea564799e901c1cb8ff6b7a821741dc4060e2067-1920x1080.png?rect=600,0,720,1080&w=%width%&h=%height%&q=80","id":"image-ea564799e901c1cb8ff6b7a821741dc4060e2067-1920x1080-png","children":[],"parent":null},"blankAltTag":true},"_system":{"base":{"id":"7324b8af-c1eb-46a0-b36a-caa8783606e0","rev":"8LO5O2Z8C4HuWQBIqBln0u"}},"brazeCustomAttributes":[{"_key":"7fef522b26b4","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_COMPARE_TABLE","customAttributeValue":"https://www.boringmoney.co.uk/isas-pensions/isas-pensions/"}],"content":[{"_key":"b2abd2205459","_type":"headerBlock","alignment":"Center","desktopImage":{"_type":"mainImage","asset":{"_ref":"image-bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300-png","_type":"reference"}},"mobileImage":{"_type":"mainImage","alt":"Banner showcasing investment platforms ","asset":{"_ref":"image-ec8911cbc4caaffabe66715bbe460c232a1e923c-600x250-png","_type":"reference"}},"reference":{"_id":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"landingPage","_rev":"HaE9Y1GS3p0U3ZL8s9Db87","_createdAt":"2021-11-25T16:01:50Z","_updatedAt":"2026-04-16T08:00:34Z","MainImage":{"_type":"mainImage","asset":{"_ref":"image-ea564799e901c1cb8ff6b7a821741dc4060e2067-1920x1080-png","_type":"reference"},"blankAltTag":true},"_system":{"base":{"id":"7324b8af-c1eb-46a0-b36a-caa8783606e0","rev":"8LO5O2Z8C4HuWQBIqBln0u"}},"brazeCustomAttributes":[{"_key":"7fef522b26b4","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_COMPARE_TABLE","customAttributeValue":"https://www.boringmoney.co.uk/isas-pensions/isas-pensions/"}],"content":[{"_key":"b2abd2205459","_type":"headerBlock","alignment":"Center","desktopImage":{"_type":"mainImage","asset":{"_ref":"image-bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300-png","_type":"reference"}},"mobileImage":{"_type":"mainImage","alt":"Banner showcasing investment platforms ","asset":{"_ref":"image-ec8911cbc4caaffabe66715bbe460c232a1e923c-600x250-png","_type":"reference"}},"reference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"tabletImage":{"_type":"mainImage","alt":"Image showcasing investment platforms ","asset":{"_ref":"image-0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340-png","_type":"reference"}},"title":"Header"},{"_key":"dac26373610f","_type":"bestBuysTable","calculatorAssumptionsModel":{"_ref":"236f7460-2fe3-4f71-9c6f-061dc9806763","_type":"reference"},"comparisonPageReference":{"_ref":"e1ab80c6-4663-4735-b266-ff5981691a75","_type":"reference"},"costInBBTable":true,"defaultLayout":"3x3 - Would recommend","defaultSortOption":"OurRatingHL","enableComparison":false,"showAdvancedFilters":true,"sortOptions":["MostRecommended","OurRatingHL","OurRatingLH","CostHL","CostLH","MostPopular"],"title":"ISA"},{"_key":"33748b8f4b0d","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"052beedb53fd","_type":"block","children":[{"_key":"8ab895a997db","_type":"span","marks":[],"text":"Frequently Asked Questions About Stocks & Shares ISAs"}],"markDefs":[],"style":"h2"}],"styles":"White"},{"_key":"f1a7320d0d82","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"1381dbf0053f","_type":"block","children":[{"_key":"06742598bb83","_type":"span","marks":[],"text":"What is a Stocks & Shares ISA?"}],"markDefs":[],"style":"h3"},{"_key":"43c826820d13","_type":"block","children":[{"_key":"222919bc3bc5","_type":"span","marks":[],"text":"A Stocks & Shares ISA is an account that lets you invest in the stock market without paying tax on any profits. Every UK adult can put up to £20,000 into one each tax year, and any gains or income are tax-free."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Stocks & Shares ISA?"},{"_key":"b637b4843983516a48f9db0a974d4a56","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"5278a4cb307d","_type":"block","children":[{"_key":"4008cc33f440","_type":"span","marks":[],"text":"How is a Stocks & Shares ISA different from a Cash ISA? "}],"markDefs":[],"style":"h3"},{"_key":"c0c883d9cc8e","_type":"block","children":[{"_key":"28e8acdfcacf","_type":"span","marks":[],"text":"A "},{"_key":"a5888eb532ae","_type":"span","marks":["298daf3775d7"],"text":"Cash ISA"},{"_key":"bd37ecbecd75","_type":"span","marks":[],"text":" keeps your money in cash. A "},{"_key":"d2da7be7f3ec","_type":"span","marks":["bbf4adfe2e3e"],"text":"Stocks & Shares ISA"},{"_key":"6ad43428d8e9","_type":"span","marks":[],"text":" invests your money in the stock market, which means higher potential returns but also the possibility of losing money. "}],"markDefs":[{"_key":"298daf3775d7","_type":"internalLinkPick","blank":true,"reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"}},{"_key":"bbf4adfe2e3e","_type":"internalLinkPick","blank":true,"reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How is a Stocks & Shares ISA different from a Cash ISA?"},{"_key":"096d2b879670a03519945e5f2ce697b1","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"f7f88452a993","_type":"block","children":[{"_key":"4131fe7474b1","_type":"span","marks":[],"text":"Can I take my money out whenever I want?"}],"markDefs":[],"style":"h3"},{"_key":"0ca874e0f967","_type":"block","children":[{"_key":"1c527eff7158","_type":"span","marks":[],"text":"Yes — there's no lock-in. However, if you withdraw and pay money back in within the same tax year, this can affect your annual £20,000 allowance unless your ISA is a \"flexible\" one. Always check with your provider."}],"markDefs":[],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Can I take my money out whenever I want?"},{"_key":"bf3655d9727d899472e62678637bd6f4","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"cef5c86d40ff","_type":"block","children":[{"_key":"c14f68d4bed9","_type":"span","marks":[],"text":"How much can I invest in a Stocks & Shares ISA?"}],"markDefs":[],"style":"h3"},{"_key":"678b6ee012d6","_type":"block","children":[{"_key":"76ce9a45b6f5","_type":"span","marks":[],"text":"Up to £20,000 per tax year across all your ISAs combined. You get a fresh allowance every year on 6 April, and any unused allowance can't be carried forward."}],"markDefs":[],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How much can I invest in a Stocks & Shares ISA?"},{"_key":"a33bf4a9213091e53da2eb9c0db88791","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"b11c7519890f","_type":"block","children":[{"_key":"72361625cf68","_type":"span","marks":[],"text":"Is a Stocks & Shares ISA right for me? "}],"markDefs":[],"style":"h3"},{"_key":"b6f15af580ba","_type":"block","children":[{"_key":"e9a8b448b1e2","_type":"span","marks":[],"text":"It depends on your timeframe and risk tolerance. It tends to suit people who are investing for five years or more, want to grow their money beyond what cash can offer, and are comfortable with the idea that markets can go up and down. It's probably not right for you if you need the money within the next year or two, have high-interest debt to pay off first, or would struggle to stomach seeing your portfolio fall in value."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Is a Stocks & Shares ISA right for me? "},{"_key":"1ea77cdca1811ccd8c2079afb04466ba","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"ffff514e2774","_type":"block","children":[{"_key":"45f7162265dc","_type":"span","marks":[],"text":"How risky is a Stocks & Shares ISA? "}],"markDefs":[],"style":"h3"},{"_key":"3485bfd8d250","_type":"block","children":[{"_key":"c193f6c36af8","_type":"span","marks":[],"text":"It depends on what you choose to invest in. The key is "},{"_key":"7b08da4c08f7","_type":"span","marks":["e6991894fbf4"],"text":"diversification"},{"_key":"da7130bd59c4","_type":"span","marks":[],"text":" — spreading your money across different companies, sectors, and geographies so that one bad investment doesn't wipe out your savings. Funds and ETFs do this automatically, which is why they're popular with beginners."}],"markDefs":[{"_key":"e6991894fbf4","_type":"internalLinkPick","blank":true,"reference":{"_ref":"6e0fb5a5-2a36-4806-8108-6d06543c931a","_type":"reference"}}],"style":"normal"}],"styles":"White","title":"How risky is a Stocks & Shares ISA?"},{"_key":"04eabe135a4e59b6b6859fe8a0b57acf","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"5cc35680fa81","_type":"block","children":[{"_key":"a8904d78d2e4","_type":"span","marks":[],"text":"What are the tax benefits of a Stocks & Shares ISA? "}],"markDefs":[],"style":"h3"},{"_key":"326013566409","_type":"block","children":[{"_key":"8e62f7d17cf2","_type":"span","marks":[],"text":"There are three main ones: no "},{"_key":"88ffa4843d17","_type":"span","marks":["a154b3f0fa4d"],"text":"capital gains tax"},{"_key":"f73020a2474c","_type":"span","marks":[],"text":" on profits when you sell investments, no tax on interest from "},{"_key":"82539b3d2b76","_type":"span","marks":["4c3294f2f5e8"],"text":"bonds"},{"_key":"fef814c7f569","_type":"span","marks":[],"text":" held within the ISA, and no tax on "},{"_key":"89bfc49900fe","_type":"span","marks":["a6fc01d9ec0c"],"text":"dividends"},{"_key":"3ca60e193841","_type":"span","marks":[],"text":". Outside an ISA, all three of these could cost you money depending on your tax bracket."}],"markDefs":[{"_key":"a154b3f0fa4d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}},{"_key":"4c3294f2f5e8","_type":"glossaryPick","reference":{"_ref":"ea467285-7d48-4093-b16e-76d3f8a95fc1","_type":"reference"}},{"_key":"a6fc01d9ec0c","_type":"glossaryPick","reference":{"_ref":"43ececc2-2ff3-43e8-932b-b412f2145213","_type":"reference"}}],"style":"normal"}],"styles":"White","title":"What are the tax benefits of a Stocks & Shares ISA?"},{"_key":"c4bcfddb893f","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"Space"},{"_key":"d050e0845814","_type":"bigBlockGroup","bigBlockItems":[{"_key":"886b99ffa3d0","_type":"bigBlockItem","introPara":[{"_key":"63bbc5c58db3","_type":"block","children":[{"_key":"14cd335502780","_type":"span","marks":[],"text":"A 'robo' adviser offers up ready-made portfolios and so costs include both admin and investment charges. A platform is for those who prefer to pick their own investments – the costs may look cheaper here as we only include the admin charges – the investment fees will typically add another £25 - £75 per £10,000 managed, depending on what you pick."}],"markDefs":[],"style":"small"}],"title":"Platform types"},{"_key":"70490647fe00","_type":"bigBlockItem","introPara":[{"_key":"55c85fda04f0","_type":"block","children":[{"_key":"9daf97d49fa10","_type":"span","marks":[],"text":"We try really hard to keep our consumer reviews genuine and representative. As a final step, an administrator checks every review before publishing. If you have any questions please contact us "},{"_key":"abd51e149ec5","_type":"span","marks":["2b07db6357c6"],"text":"here"},{"_key":"6f6f7ee92681","_type":"span","marks":[],"text":" or send a letter to Boring Money Ltd, 10 Lower Thames Street, London, EC3R 6AF"}],"markDefs":[{"_key":"2b07db6357c6","_type":"internalLinkPick","reference":{"_ref":"b35cac1c-228a-4987-aeca-bb774b8e0e3c","_type":"reference"}}],"style":"small"}],"title":"Grubby behaviour"},{"_key":"d8afdbab6022","_type":"bigBlockItem","introPara":[{"_key":"260d9bdb952b","_type":"block","children":[{"_key":"5af8f96878d70","_type":"span","marks":[],"text":"Most of our revenue comes from providing research and consultancy services the industry. As the costs of building our website grow, we have also started to activate “introducer revenues” for some of the provider sites you click through to. Look out for the colour orange on the site. This is us being as clear as we can be when anything on our pages has a commercial benefit to us, or is a sponsored arrangement. More info is available "},{"_key":"b94a70e460a9","_type":"span","marks":["b9ccd82193ec"],"text":"here"},{"_key":"9787a494e25b","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b9ccd82193ec","_type":"internalLinkPick","reference":{"_ref":"cc735c68-c1b8-4987-acff-3931653c3639","_type":"reference"}}],"style":"small"}],"title":"How we make money"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":6,"styles":"Grey-Transparent","title":"DISCLAIMER","titleLineClamp":1},{"_key":"7282413d1dc3","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"eb112cbb7dd3","_type":"block","children":[{"_key":"23429c086248","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dc8f88141013","_type":"block","children":[{"_key":"fcef23cc4d95","_type":"span","marks":["em"],"text":"By default our tables sort on the basis of (1) “Most Popular” providers based on customer choice (2) Descending order of the Boring Money customer recommendation score. Pricing may vary depending on money invested, transaction value and trading frequency. We have selected the pricing tiers we believe to be relevant to the largest number of investors."}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent","title":"Disclaimer"},{"_key":"e15290ad8f2bf035fdf4bd2f541cbae7","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"Space"}],"emailSignupWidgetButtonText":"UNLOCK","emailSignupWidgetParagraphText":"Sign up to Boring Money for expert comparisons, real customer reviews, fees, offers, and more - everything you need to make smart money choices. Answer five quick questions to get going today!","emailSignupWidgetTitle":"UNLOCK OUR ISA COMPARISON TABLE","enableGatedContent":true,"excerpt":[{"_key":"2eedafb8ba7a","_type":"block","children":[{"_key":"2e7aaa7300fe","_type":"span","marks":[],"text":"Compare the best ISAs and investment accounts in the UK. Find stocks and shares ISAs, and investment platforms with our expert reviews and tables."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue background  - Text center - Faded","gatedContentBody":[{"_key":"13f96dc0dd81","_type":"headerBlock","alignment":"Center","desktopImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300-png","_type":"reference"},"blankAltTag":true},"mobileImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340-png","_type":"reference"}},"reference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"tabletImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-fc75bc5ee8524fb479bf1ed4c0b781c06f635bad-1280x300-png","_type":"reference"}}},{"_key":"198396c38d61","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"abc2bb14fa42","_type":"block","children":[{"_key":"6f9e4e7b6b55","_type":"span","marks":[],"text":"Compare the best Stocks & Shares ISAs in one place - fast"}],"markDefs":[],"style":"h1"},{"_key":"d97a0686f19b","_type":"block","children":[{"_key":"f8542d4b62d2","_type":"span","marks":[],"text":"Looking for the best ISA? Don’t waste hours jumping between websites. Our free ISA comparison table lets you compare expert reviews, customer ratings, fees, and top offers - side by side, all in one place."}],"markDefs":[],"style":"normal"},{"_key":"8de1198c5598","_type":"block","children":[{"_key":"0182871de8de","_type":"span","marks":[],"text":"Unlock full access below to find your perfect ISA and what you’d pay."}],"markDefs":[],"style":"h4"}],"styles":"Grey-Transparent","title":"Compare the best ISAs in one place - fast"},{"_key":"647813d6f7ebc93c3431c9758ac6d927","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"39ff26fc401c","_type":"bestBuysTable","calculatorAssumptionsModel":{"_ref":"236f7460-2fe3-4f71-9c6f-061dc9806763","_type":"reference"},"defaultLayout":"3x3 - Would recommend","defaultSortOption":"OurRatingHL","loggedOutRowLimit":1,"loggedOutRowLimitMobile":6,"sortOptions":["OurRatingHL"],"title":"ISA"}],"gatedContentReadMoreText":[{"_key":"1097b5b5b507","_type":"block","children":[{"_key":"069b689d8928","_type":"span","marks":[],"text":"Use our filters to shortlist providers that are better suited for you. "}],"markDefs":[],"style":"normal"}],"publishedAt":"2025-04-28T11:57:15.443Z","slug":{"_type":"slug","current":"isas-pensions"},"subfolder":{"_ref":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"reference"},"title":"Best Stocks & Shares ISA 2026 - Compare Top Providers","id":"-d9788508-2c90-56c4-be24-45e28edb1c22","children":[],"parent":null},"tabletImage":{"_type":"mainImage","alt":"Image showcasing investment platforms ","asset":{"_ref":"image-0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340-png","_type":"reference"}},"title":"Header"},{"_key":"dac26373610f","_type":"bestBuysTable","calculatorAssumptionsModel":{"_id":"236f7460-2fe3-4f71-9c6f-061dc9806763","_type":"calcAssumptions","_rev":"NEpTYW6DQ9f8lyxNnd9cew","_createdAt":"2021-10-12T09:18:13Z","_updatedAt":"2024-02-26T10:37:33Z","assumptionRow":["0,9999.99,1","9999.99,49999.99,2","49999.99,99999.99,4","99999.99,249999.99,6","249999.99,50000000000000000,8"],"lumpSum":"1000","title":"ISA Model","id":"-57ecbcd4-4d4b-5673-a749-2a1cca754f3f","children":[],"parent":null},"comparisonPageReference":{"_id":"e1ab80c6-4663-4735-b266-ff5981691a75","_type":"information","_rev":"mt9hMqvnezW3fDtFvUlnZ6","_createdAt":"2022-01-25T16:21:45Z","_updatedAt":"2023-04-12T10:19:15Z","body":[{"_key":"8f6b35aa9f91","_type":"block","children":[{"_key":"efbe28a182cc","_type":"span","marks":[],"text":"How do these 2 ISA providers compare?"}],"markDefs":[],"style":"normal"},{"_key":"976fa7d69b0e","_type":"comparisonCriteriaWidget"}],"excerpt":[{"_key":"04e539049ce0","_type":"block","children":[{"_key":"c2452f790118","_type":"span","marks":[],"text":"Which ISA provider is best? Compare between two providers with this helpful comparison table."}],"markDefs":[],"style":"normal"}],"hideRelatedContent":true,"pageBreadcrumb":{"_ref":"cd92c7b6-40fa-4281-89a6-3e5a09ff8ef1","_type":"reference"},"publishedAt":"2022-01-25T16:13:21.326Z","slug":{"_type":"slug","current":"compare"},"subfolder":{"_ref":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"reference"},"template":"C-SB","title":"Compare ISA providers","widgets":[{"_key":"d64b7b66a278","_ref":"fa02ccf8-05b7-4c30-83f6-73372c7fb7a2","_type":"reference"}],"id":"-ee158b46-93ff-5cc9-9bd7-137e3c715ce5","children":[],"parent":null},"costInBBTable":true,"defaultLayout":"3x3 - Would recommend","defaultSortOption":"OurRatingHL","enableComparison":false,"showAdvancedFilters":true,"sortOptions":["MostRecommended","OurRatingHL","OurRatingLH","CostHL","CostLH","MostPopular"],"title":"ISA"},{"_key":"33748b8f4b0d","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"052beedb53fd","_type":"block","children":[{"_key":"8ab895a997db","_type":"span","marks":[],"text":"Frequently Asked Questions About Stocks & Shares ISAs"}],"markDefs":[],"style":"h2"}],"styles":"White"},{"_key":"f1a7320d0d82","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"1381dbf0053f","_type":"block","children":[{"_key":"06742598bb83","_type":"span","marks":[],"text":"What is a Stocks & Shares ISA?"}],"markDefs":[],"style":"h3"},{"_key":"43c826820d13","_type":"block","children":[{"_key":"222919bc3bc5","_type":"span","marks":[],"text":"A Stocks & Shares ISA is an account that lets you invest in the stock market without paying tax on any profits. Every UK adult can put up to £20,000 into one each tax year, and any gains or income are tax-free."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Stocks & Shares ISA?"},{"_key":"b637b4843983516a48f9db0a974d4a56","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"5278a4cb307d","_type":"block","children":[{"_key":"4008cc33f440","_type":"span","marks":[],"text":"How is a Stocks & Shares ISA different from a Cash ISA? "}],"markDefs":[],"style":"h3"},{"_key":"c0c883d9cc8e","_type":"block","children":[{"_key":"28e8acdfcacf","_type":"span","marks":[],"text":"A "},{"_key":"a5888eb532ae","_type":"span","marks":["298daf3775d7"],"text":"Cash ISA"},{"_key":"bd37ecbecd75","_type":"span","marks":[],"text":" keeps your money in cash. A "},{"_key":"d2da7be7f3ec","_type":"span","marks":["bbf4adfe2e3e"],"text":"Stocks & Shares ISA"},{"_key":"6ad43428d8e9","_type":"span","marks":[],"text":" invests your money in the stock market, which means higher potential returns but also the possibility of losing money. "}],"markDefs":[{"_key":"298daf3775d7","_type":"internalLinkPick","blank":true,"reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"}},{"_key":"bbf4adfe2e3e","_type":"internalLinkPick","blank":true,"reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How is a Stocks & Shares ISA different from a Cash ISA?"},{"_key":"096d2b879670a03519945e5f2ce697b1","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"f7f88452a993","_type":"block","children":[{"_key":"4131fe7474b1","_type":"span","marks":[],"text":"Can I take my money out whenever I want?"}],"markDefs":[],"style":"h3"},{"_key":"0ca874e0f967","_type":"block","children":[{"_key":"1c527eff7158","_type":"span","marks":[],"text":"Yes — there's no lock-in. However, if you withdraw and pay money back in within the same tax year, this can affect your annual £20,000 allowance unless your ISA is a \"flexible\" one. Always check with your provider."}],"markDefs":[],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Can I take my money out whenever I want?"},{"_key":"bf3655d9727d899472e62678637bd6f4","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"cef5c86d40ff","_type":"block","children":[{"_key":"c14f68d4bed9","_type":"span","marks":[],"text":"How much can I invest in a Stocks & Shares ISA?"}],"markDefs":[],"style":"h3"},{"_key":"678b6ee012d6","_type":"block","children":[{"_key":"76ce9a45b6f5","_type":"span","marks":[],"text":"Up to £20,000 per tax year across all your ISAs combined. You get a fresh allowance every year on 6 April, and any unused allowance can't be carried forward."}],"markDefs":[],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How much can I invest in a Stocks & Shares ISA?"},{"_key":"a33bf4a9213091e53da2eb9c0db88791","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"b11c7519890f","_type":"block","children":[{"_key":"72361625cf68","_type":"span","marks":[],"text":"Is a Stocks & Shares ISA right for me? "}],"markDefs":[],"style":"h3"},{"_key":"b6f15af580ba","_type":"block","children":[{"_key":"e9a8b448b1e2","_type":"span","marks":[],"text":"It depends on your timeframe and risk tolerance. It tends to suit people who are investing for five years or more, want to grow their money beyond what cash can offer, and are comfortable with the idea that markets can go up and down. It's probably not right for you if you need the money within the next year or two, have high-interest debt to pay off first, or would struggle to stomach seeing your portfolio fall in value."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Is a Stocks & Shares ISA right for me? "},{"_key":"1ea77cdca1811ccd8c2079afb04466ba","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"ffff514e2774","_type":"block","children":[{"_key":"45f7162265dc","_type":"span","marks":[],"text":"How risky is a Stocks & Shares ISA? "}],"markDefs":[],"style":"h3"},{"_key":"3485bfd8d250","_type":"block","children":[{"_key":"c193f6c36af8","_type":"span","marks":[],"text":"It depends on what you choose to invest in. The key is "},{"_key":"7b08da4c08f7","_type":"span","marks":["e6991894fbf4"],"text":"diversification"},{"_key":"da7130bd59c4","_type":"span","marks":[],"text":" — spreading your money across different companies, sectors, and geographies so that one bad investment doesn't wipe out your savings. Funds and ETFs do this automatically, which is why they're popular with beginners."}],"markDefs":[{"_key":"e6991894fbf4","_type":"internalLinkPick","blank":true,"reference":{"_ref":"6e0fb5a5-2a36-4806-8108-6d06543c931a","_type":"reference"}}],"style":"normal"}],"styles":"White","title":"How risky is a Stocks & Shares ISA?"},{"_key":"04eabe135a4e59b6b6859fe8a0b57acf","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"5cc35680fa81","_type":"block","children":[{"_key":"a8904d78d2e4","_type":"span","marks":[],"text":"What are the tax benefits of a Stocks & Shares ISA? "}],"markDefs":[],"style":"h3"},{"_key":"326013566409","_type":"block","children":[{"_key":"8e62f7d17cf2","_type":"span","marks":[],"text":"There are three main ones: no "},{"_key":"88ffa4843d17","_type":"span","marks":["a154b3f0fa4d"],"text":"capital gains tax"},{"_key":"f73020a2474c","_type":"span","marks":[],"text":" on profits when you sell investments, no tax on interest from "},{"_key":"82539b3d2b76","_type":"span","marks":["4c3294f2f5e8"],"text":"bonds"},{"_key":"fef814c7f569","_type":"span","marks":[],"text":" held within the ISA, and no tax on "},{"_key":"89bfc49900fe","_type":"span","marks":["a6fc01d9ec0c"],"text":"dividends"},{"_key":"3ca60e193841","_type":"span","marks":[],"text":". Outside an ISA, all three of these could cost you money depending on your tax bracket."}],"markDefs":[{"_key":"a154b3f0fa4d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}},{"_key":"4c3294f2f5e8","_type":"glossaryPick","reference":{"_ref":"ea467285-7d48-4093-b16e-76d3f8a95fc1","_type":"reference"}},{"_key":"a6fc01d9ec0c","_type":"glossaryPick","reference":{"_ref":"43ececc2-2ff3-43e8-932b-b412f2145213","_type":"reference"}}],"style":"normal"}],"styles":"White","title":"What are the tax benefits of a Stocks & Shares ISA?"},{"_key":"c4bcfddb893f","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"Space"},{"_key":"d050e0845814","_type":"bigBlockGroup","bigBlockItems":[{"_key":"886b99ffa3d0","_type":"bigBlockItem","introPara":[{"_key":"63bbc5c58db3","_type":"block","children":[{"_key":"14cd335502780","_type":"span","marks":[],"text":"A 'robo' adviser offers up ready-made portfolios and so costs include both admin and investment charges. A platform is for those who prefer to pick their own investments – the costs may look cheaper here as we only include the admin charges – the investment fees will typically add another £25 - £75 per £10,000 managed, depending on what you pick."}],"markDefs":[],"style":"small"}],"title":"Platform types"},{"_key":"70490647fe00","_type":"bigBlockItem","introPara":[{"_key":"55c85fda04f0","_type":"block","children":[{"_key":"9daf97d49fa10","_type":"span","marks":[],"text":"We try really hard to keep our consumer reviews genuine and representative. As a final step, an administrator checks every review before publishing. If you have any questions please contact us "},{"_key":"abd51e149ec5","_type":"span","marks":["2b07db6357c6"],"text":"here"},{"_key":"6f6f7ee92681","_type":"span","marks":[],"text":" or send a letter to Boring Money Ltd, 10 Lower Thames Street, London, EC3R 6AF"}],"markDefs":[{"_key":"2b07db6357c6","_type":"internalLinkPick","reference":{"_ref":"b35cac1c-228a-4987-aeca-bb774b8e0e3c","_type":"reference"}}],"style":"small"}],"title":"Grubby behaviour"},{"_key":"d8afdbab6022","_type":"bigBlockItem","introPara":[{"_key":"260d9bdb952b","_type":"block","children":[{"_key":"5af8f96878d70","_type":"span","marks":[],"text":"Most of our revenue comes from providing research and consultancy services the industry. As the costs of building our website grow, we have also started to activate “introducer revenues” for some of the provider sites you click through to. Look out for the colour orange on the site. This is us being as clear as we can be when anything on our pages has a commercial benefit to us, or is a sponsored arrangement. More info is available "},{"_key":"b94a70e460a9","_type":"span","marks":["b9ccd82193ec"],"text":"here"},{"_key":"9787a494e25b","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b9ccd82193ec","_type":"internalLinkPick","reference":{"_ref":"cc735c68-c1b8-4987-acff-3931653c3639","_type":"reference"}}],"style":"small"}],"title":"How we make money"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":6,"styles":"Grey-Transparent","title":"DISCLAIMER","titleLineClamp":1},{"_key":"7282413d1dc3","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"eb112cbb7dd3","_type":"block","children":[{"_key":"23429c086248","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dc8f88141013","_type":"block","children":[{"_key":"fcef23cc4d95","_type":"span","marks":["em"],"text":"By default our tables sort on the basis of (1) “Most Popular” providers based on customer choice (2) Descending order of the Boring Money customer recommendation score. Pricing may vary depending on money invested, transaction value and trading frequency. We have selected the pricing tiers we believe to be relevant to the largest number of investors."}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent","title":"Disclaimer"},{"_key":"e15290ad8f2bf035fdf4bd2f541cbae7","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"Space"}],"emailSignupWidgetButtonText":"UNLOCK","emailSignupWidgetParagraphText":"Sign up to Boring Money for expert comparisons, real customer reviews, fees, offers, and more - everything you need to make smart money choices. Answer five quick questions to get going today!","emailSignupWidgetTitle":"UNLOCK OUR ISA COMPARISON TABLE","enableGatedContent":true,"excerpt":[{"_key":"2eedafb8ba7a","_type":"block","children":[{"_key":"2e7aaa7300fe","_type":"span","marks":[],"text":"Compare the best ISAs and investment accounts in the UK. Find stocks and shares ISAs, and investment platforms with our expert reviews and tables."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue background  - Text center - Faded","gatedContentBody":[{"_key":"13f96dc0dd81","_type":"headerBlock","alignment":"Center","desktopImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300-png","_type":"reference"},"blankAltTag":true},"mobileImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340-png","_type":"reference"}},"reference":{"_id":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"landingPage","_rev":"HaE9Y1GS3p0U3ZL8s9Db87","_createdAt":"2021-11-25T16:01:50Z","_updatedAt":"2026-04-16T08:00:34Z","MainImage":{"_type":"mainImage","asset":{"_ref":"image-ea564799e901c1cb8ff6b7a821741dc4060e2067-1920x1080-png","_type":"reference"},"blankAltTag":true},"_system":{"base":{"id":"7324b8af-c1eb-46a0-b36a-caa8783606e0","rev":"8LO5O2Z8C4HuWQBIqBln0u"}},"brazeCustomAttributes":[{"_key":"7fef522b26b4","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_COMPARE_TABLE","customAttributeValue":"https://www.boringmoney.co.uk/isas-pensions/isas-pensions/"}],"content":[{"_key":"b2abd2205459","_type":"headerBlock","alignment":"Center","desktopImage":{"_type":"mainImage","asset":{"_ref":"image-bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300-png","_type":"reference"}},"mobileImage":{"_type":"mainImage","alt":"Banner showcasing investment platforms ","asset":{"_ref":"image-ec8911cbc4caaffabe66715bbe460c232a1e923c-600x250-png","_type":"reference"}},"reference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"tabletImage":{"_type":"mainImage","alt":"Image showcasing investment platforms ","asset":{"_ref":"image-0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340-png","_type":"reference"}},"title":"Header"},{"_key":"dac26373610f","_type":"bestBuysTable","calculatorAssumptionsModel":{"_ref":"236f7460-2fe3-4f71-9c6f-061dc9806763","_type":"reference"},"comparisonPageReference":{"_ref":"e1ab80c6-4663-4735-b266-ff5981691a75","_type":"reference"},"costInBBTable":true,"defaultLayout":"3x3 - Would recommend","defaultSortOption":"OurRatingHL","enableComparison":false,"showAdvancedFilters":true,"sortOptions":["MostRecommended","OurRatingHL","OurRatingLH","CostHL","CostLH","MostPopular"],"title":"ISA"},{"_key":"33748b8f4b0d","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"052beedb53fd","_type":"block","children":[{"_key":"8ab895a997db","_type":"span","marks":[],"text":"Frequently Asked Questions About Stocks & Shares ISAs"}],"markDefs":[],"style":"h2"}],"styles":"White"},{"_key":"f1a7320d0d82","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"1381dbf0053f","_type":"block","children":[{"_key":"06742598bb83","_type":"span","marks":[],"text":"What is a Stocks & Shares ISA?"}],"markDefs":[],"style":"h3"},{"_key":"43c826820d13","_type":"block","children":[{"_key":"222919bc3bc5","_type":"span","marks":[],"text":"A Stocks & Shares ISA is an account that lets you invest in the stock market without paying tax on any profits. Every UK adult can put up to £20,000 into one each tax year, and any gains or income are tax-free."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Stocks & Shares ISA?"},{"_key":"b637b4843983516a48f9db0a974d4a56","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"5278a4cb307d","_type":"block","children":[{"_key":"4008cc33f440","_type":"span","marks":[],"text":"How is a Stocks & Shares ISA different from a Cash ISA? "}],"markDefs":[],"style":"h3"},{"_key":"c0c883d9cc8e","_type":"block","children":[{"_key":"28e8acdfcacf","_type":"span","marks":[],"text":"A "},{"_key":"a5888eb532ae","_type":"span","marks":["298daf3775d7"],"text":"Cash ISA"},{"_key":"bd37ecbecd75","_type":"span","marks":[],"text":" keeps your money in cash. A "},{"_key":"d2da7be7f3ec","_type":"span","marks":["bbf4adfe2e3e"],"text":"Stocks & Shares ISA"},{"_key":"6ad43428d8e9","_type":"span","marks":[],"text":" invests your money in the stock market, which means higher potential returns but also the possibility of losing money. "}],"markDefs":[{"_key":"298daf3775d7","_type":"internalLinkPick","blank":true,"reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"}},{"_key":"bbf4adfe2e3e","_type":"internalLinkPick","blank":true,"reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How is a Stocks & Shares ISA different from a Cash ISA?"},{"_key":"096d2b879670a03519945e5f2ce697b1","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"f7f88452a993","_type":"block","children":[{"_key":"4131fe7474b1","_type":"span","marks":[],"text":"Can I take my money out whenever I want?"}],"markDefs":[],"style":"h3"},{"_key":"0ca874e0f967","_type":"block","children":[{"_key":"1c527eff7158","_type":"span","marks":[],"text":"Yes — there's no lock-in. However, if you withdraw and pay money back in within the same tax year, this can affect your annual £20,000 allowance unless your ISA is a \"flexible\" one. Always check with your provider."}],"markDefs":[],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Can I take my money out whenever I want?"},{"_key":"bf3655d9727d899472e62678637bd6f4","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"cef5c86d40ff","_type":"block","children":[{"_key":"c14f68d4bed9","_type":"span","marks":[],"text":"How much can I invest in a Stocks & Shares ISA?"}],"markDefs":[],"style":"h3"},{"_key":"678b6ee012d6","_type":"block","children":[{"_key":"76ce9a45b6f5","_type":"span","marks":[],"text":"Up to £20,000 per tax year across all your ISAs combined. You get a fresh allowance every year on 6 April, and any unused allowance can't be carried forward."}],"markDefs":[],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How much can I invest in a Stocks & Shares ISA?"},{"_key":"a33bf4a9213091e53da2eb9c0db88791","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"b11c7519890f","_type":"block","children":[{"_key":"72361625cf68","_type":"span","marks":[],"text":"Is a Stocks & Shares ISA right for me? "}],"markDefs":[],"style":"h3"},{"_key":"b6f15af580ba","_type":"block","children":[{"_key":"e9a8b448b1e2","_type":"span","marks":[],"text":"It depends on your timeframe and risk tolerance. It tends to suit people who are investing for five years or more, want to grow their money beyond what cash can offer, and are comfortable with the idea that markets can go up and down. It's probably not right for you if you need the money within the next year or two, have high-interest debt to pay off first, or would struggle to stomach seeing your portfolio fall in value."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Is a Stocks & Shares ISA right for me? "},{"_key":"1ea77cdca1811ccd8c2079afb04466ba","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"ffff514e2774","_type":"block","children":[{"_key":"45f7162265dc","_type":"span","marks":[],"text":"How risky is a Stocks & Shares ISA? "}],"markDefs":[],"style":"h3"},{"_key":"3485bfd8d250","_type":"block","children":[{"_key":"c193f6c36af8","_type":"span","marks":[],"text":"It depends on what you choose to invest in. The key is "},{"_key":"7b08da4c08f7","_type":"span","marks":["e6991894fbf4"],"text":"diversification"},{"_key":"da7130bd59c4","_type":"span","marks":[],"text":" — spreading your money across different companies, sectors, and geographies so that one bad investment doesn't wipe out your savings. Funds and ETFs do this automatically, which is why they're popular with beginners."}],"markDefs":[{"_key":"e6991894fbf4","_type":"internalLinkPick","blank":true,"reference":{"_ref":"6e0fb5a5-2a36-4806-8108-6d06543c931a","_type":"reference"}}],"style":"normal"}],"styles":"White","title":"How risky is a Stocks & Shares ISA?"},{"_key":"04eabe135a4e59b6b6859fe8a0b57acf","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"5cc35680fa81","_type":"block","children":[{"_key":"a8904d78d2e4","_type":"span","marks":[],"text":"What are the tax benefits of a Stocks & Shares ISA? "}],"markDefs":[],"style":"h3"},{"_key":"326013566409","_type":"block","children":[{"_key":"8e62f7d17cf2","_type":"span","marks":[],"text":"There are three main ones: no "},{"_key":"88ffa4843d17","_type":"span","marks":["a154b3f0fa4d"],"text":"capital gains tax"},{"_key":"f73020a2474c","_type":"span","marks":[],"text":" on profits when you sell investments, no tax on interest from "},{"_key":"82539b3d2b76","_type":"span","marks":["4c3294f2f5e8"],"text":"bonds"},{"_key":"fef814c7f569","_type":"span","marks":[],"text":" held within the ISA, and no tax on "},{"_key":"89bfc49900fe","_type":"span","marks":["a6fc01d9ec0c"],"text":"dividends"},{"_key":"3ca60e193841","_type":"span","marks":[],"text":". Outside an ISA, all three of these could cost you money depending on your tax bracket."}],"markDefs":[{"_key":"a154b3f0fa4d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}},{"_key":"4c3294f2f5e8","_type":"glossaryPick","reference":{"_ref":"ea467285-7d48-4093-b16e-76d3f8a95fc1","_type":"reference"}},{"_key":"a6fc01d9ec0c","_type":"glossaryPick","reference":{"_ref":"43ececc2-2ff3-43e8-932b-b412f2145213","_type":"reference"}}],"style":"normal"}],"styles":"White","title":"What are the tax benefits of a Stocks & Shares ISA?"},{"_key":"c4bcfddb893f","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"Space"},{"_key":"d050e0845814","_type":"bigBlockGroup","bigBlockItems":[{"_key":"886b99ffa3d0","_type":"bigBlockItem","introPara":[{"_key":"63bbc5c58db3","_type":"block","children":[{"_key":"14cd335502780","_type":"span","marks":[],"text":"A 'robo' adviser offers up ready-made portfolios and so costs include both admin and investment charges. A platform is for those who prefer to pick their own investments – the costs may look cheaper here as we only include the admin charges – the investment fees will typically add another £25 - £75 per £10,000 managed, depending on what you pick."}],"markDefs":[],"style":"small"}],"title":"Platform types"},{"_key":"70490647fe00","_type":"bigBlockItem","introPara":[{"_key":"55c85fda04f0","_type":"block","children":[{"_key":"9daf97d49fa10","_type":"span","marks":[],"text":"We try really hard to keep our consumer reviews genuine and representative. As a final step, an administrator checks every review before publishing. If you have any questions please contact us "},{"_key":"abd51e149ec5","_type":"span","marks":["2b07db6357c6"],"text":"here"},{"_key":"6f6f7ee92681","_type":"span","marks":[],"text":" or send a letter to Boring Money Ltd, 10 Lower Thames Street, London, EC3R 6AF"}],"markDefs":[{"_key":"2b07db6357c6","_type":"internalLinkPick","reference":{"_ref":"b35cac1c-228a-4987-aeca-bb774b8e0e3c","_type":"reference"}}],"style":"small"}],"title":"Grubby behaviour"},{"_key":"d8afdbab6022","_type":"bigBlockItem","introPara":[{"_key":"260d9bdb952b","_type":"block","children":[{"_key":"5af8f96878d70","_type":"span","marks":[],"text":"Most of our revenue comes from providing research and consultancy services the industry. As the costs of building our website grow, we have also started to activate “introducer revenues” for some of the provider sites you click through to. Look out for the colour orange on the site. This is us being as clear as we can be when anything on our pages has a commercial benefit to us, or is a sponsored arrangement. More info is available "},{"_key":"b94a70e460a9","_type":"span","marks":["b9ccd82193ec"],"text":"here"},{"_key":"9787a494e25b","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b9ccd82193ec","_type":"internalLinkPick","reference":{"_ref":"cc735c68-c1b8-4987-acff-3931653c3639","_type":"reference"}}],"style":"small"}],"title":"How we make money"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":6,"styles":"Grey-Transparent","title":"DISCLAIMER","titleLineClamp":1},{"_key":"7282413d1dc3","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"eb112cbb7dd3","_type":"block","children":[{"_key":"23429c086248","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dc8f88141013","_type":"block","children":[{"_key":"fcef23cc4d95","_type":"span","marks":["em"],"text":"By default our tables sort on the basis of (1) “Most Popular” providers based on customer choice (2) Descending order of the Boring Money customer recommendation score. Pricing may vary depending on money invested, transaction value and trading frequency. We have selected the pricing tiers we believe to be relevant to the largest number of investors."}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent","title":"Disclaimer"},{"_key":"e15290ad8f2bf035fdf4bd2f541cbae7","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"Space"}],"emailSignupWidgetButtonText":"UNLOCK","emailSignupWidgetParagraphText":"Sign up to Boring Money for expert comparisons, real customer reviews, fees, offers, and more - everything you need to make smart money choices. Answer five quick questions to get going today!","emailSignupWidgetTitle":"UNLOCK OUR ISA COMPARISON TABLE","enableGatedContent":true,"excerpt":[{"_key":"2eedafb8ba7a","_type":"block","children":[{"_key":"2e7aaa7300fe","_type":"span","marks":[],"text":"Compare the best ISAs and investment accounts in the UK. Find stocks and shares ISAs, and investment platforms with our expert reviews and tables."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue background  - Text center - Faded","gatedContentBody":[{"_key":"13f96dc0dd81","_type":"headerBlock","alignment":"Center","desktopImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-bbb2a3086edfe7a5ccbf213db87ac23bb1c5090b-1920x300-png","_type":"reference"},"blankAltTag":true},"mobileImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-0f320a12f77a88b42e484e4f28b886bc2131e4ac-1280x340-png","_type":"reference"}},"reference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"tabletImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-fc75bc5ee8524fb479bf1ed4c0b781c06f635bad-1280x300-png","_type":"reference"}}},{"_key":"198396c38d61","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"abc2bb14fa42","_type":"block","children":[{"_key":"6f9e4e7b6b55","_type":"span","marks":[],"text":"Compare the best Stocks & Shares ISAs in one place - fast"}],"markDefs":[],"style":"h1"},{"_key":"d97a0686f19b","_type":"block","children":[{"_key":"f8542d4b62d2","_type":"span","marks":[],"text":"Looking for the best ISA? Don’t waste hours jumping between websites. Our free ISA comparison table lets you compare expert reviews, customer ratings, fees, and top offers - side by side, all in one place."}],"markDefs":[],"style":"normal"},{"_key":"8de1198c5598","_type":"block","children":[{"_key":"0182871de8de","_type":"span","marks":[],"text":"Unlock full access below to find your perfect ISA and what you’d pay."}],"markDefs":[],"style":"h4"}],"styles":"Grey-Transparent","title":"Compare the best ISAs in one place - fast"},{"_key":"647813d6f7ebc93c3431c9758ac6d927","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"39ff26fc401c","_type":"bestBuysTable","calculatorAssumptionsModel":{"_ref":"236f7460-2fe3-4f71-9c6f-061dc9806763","_type":"reference"},"defaultLayout":"3x3 - Would recommend","defaultSortOption":"OurRatingHL","loggedOutRowLimit":1,"loggedOutRowLimitMobile":6,"sortOptions":["OurRatingHL"],"title":"ISA"}],"gatedContentReadMoreText":[{"_key":"1097b5b5b507","_type":"block","children":[{"_key":"069b689d8928","_type":"span","marks":[],"text":"Use our filters to shortlist providers that are better suited for you. "}],"markDefs":[],"style":"normal"}],"publishedAt":"2025-04-28T11:57:15.443Z","slug":{"_type":"slug","current":"isas-pensions"},"subfolder":{"_ref":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"reference"},"title":"Best Stocks & Shares ISA 2026 - Compare Top Providers","id":"-d9788508-2c90-56c4-be24-45e28edb1c22","children":[],"parent":null},"tabletImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_ref":"image-fc75bc5ee8524fb479bf1ed4c0b781c06f635bad-1280x300-png","_type":"reference"}}},{"_key":"198396c38d61","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"abc2bb14fa42","_type":"block","children":[{"_key":"6f9e4e7b6b55","_type":"span","marks":[],"text":"Compare the best Stocks & Shares ISAs in one place - fast"}],"markDefs":[],"style":"h1"},{"_key":"d97a0686f19b","_type":"block","children":[{"_key":"f8542d4b62d2","_type":"span","marks":[],"text":"Looking for the best ISA? Don’t waste hours jumping between websites. Our free ISA comparison table lets you compare expert reviews, customer ratings, fees, and top offers - side by side, all in one place."}],"markDefs":[],"style":"normal"},{"_key":"8de1198c5598","_type":"block","children":[{"_key":"0182871de8de","_type":"span","marks":[],"text":"Unlock full access below to find your perfect ISA and what you’d pay."}],"markDefs":[],"style":"h4"}],"styles":"Grey-Transparent","title":"Compare the best ISAs in one place - fast"},{"_key":"647813d6f7ebc93c3431c9758ac6d927","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"39ff26fc401c","_type":"bestBuysTable","calculatorAssumptionsModel":{"_id":"236f7460-2fe3-4f71-9c6f-061dc9806763","_type":"calcAssumptions","_rev":"NEpTYW6DQ9f8lyxNnd9cew","_createdAt":"2021-10-12T09:18:13Z","_updatedAt":"2024-02-26T10:37:33Z","assumptionRow":["0,9999.99,1","9999.99,49999.99,2","49999.99,99999.99,4","99999.99,249999.99,6","249999.99,50000000000000000,8"],"lumpSum":"1000","title":"ISA Model","id":"-57ecbcd4-4d4b-5673-a749-2a1cca754f3f","children":[],"parent":null},"defaultLayout":"3x3 - Would recommend","defaultSortOption":"OurRatingHL","loggedOutRowLimit":1,"loggedOutRowLimitMobile":6,"sortOptions":["OurRatingHL"],"title":"ISA"}],"gatedContentReadMoreText":[{"_key":"1097b5b5b507","_type":"block","children":[{"_key":"069b689d8928","_type":"span","marks":[],"text":"Use our filters to shortlist providers that are better suited for you. "}],"markDefs":[],"style":"normal"}],"publishedAt":"2025-04-28T11:57:15.443Z","slug":{"_type":"slug","current":"isas-pensions"},"subfolder":{"_id":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"folderCategory","_rev":"cQD0A3OGksV3pY6pYH47mV","_createdAt":"2021-06-14T19:24:49Z","_updatedAt":"2023-02-15T16:24:35Z","folder":"/isas-pensions/","id":"-f5695f01-adc9-59c8-91c1-c9304ad10ae9","children":[],"parent":null},"title":"Best Stocks & Shares ISA 2026 - Compare Top Providers","id":"-d9788508-2c90-56c4-be24-45e28edb1c22","children":[],"parent":null},"tabletImage":{"_type":"mainImage","alt":"Best Stocks & Shares ISA 2026 - Compare Top Providers.","asset":{"_id":"image-fc75bc5ee8524fb479bf1ed4c0b781c06f635bad-1280x300-png","_type":"sanity.imageAsset","_rev":"31tQshY3aBFFjYlcnF8ePc","_createdAt":"2024-02-27T14:22:56Z","_updatedAt":"2024-02-27T14:22:56Z","assetId":"fc75bc5ee8524fb479bf1ed4c0b781c06f635bad","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"DNQcVLxa?utQ~p-qoft6f*k8","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":4.266666666666667,"height":300,"width":1280},"hasAlpha":false,"isOpaque":true,"lqip":"data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABQAAAAFCAIAAADKYVtkAAAACXBIWXMAAAsSAAALEgHS3X78AAABFklEQVQYlS3PbU+CQADAcb7/d2huPqSVmxObqSNLyRySCszURB3ecXdKgBz3xMvm1vZ/+3/x05Qg/0lCU7Bfec5wdpivrxEUDAmOeY4xOFgjq6sby/nimsJCEMWxEkRTOVIZVAxxCtDR/ej39Gpr+jICjov9FTxtcLjz14u3Trvz0LCnZvIbFAzflhxpkoYiBTIP4/N2afZa5cpjuW73jdAYByPzx5v7O9ezh/2nil4tzcxBfNmrHIkESBpqgmFOsWQ4JtvJUL8v3XVazb1jJZ4TeQ45bmDwvbCMdqParNVmn69J5CtOOMWCYU3eADczy4C/mbz36l/mc4TWLIP8CnkW0vQU+LY17trm4HRwGAWFOCtOpCB/qZ7/OLTPxqEAAAAASUVORK5CYII=","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#393b4e","foreground":"#fff","population":3.82,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#8c6b22","foreground":"#fff","population":0.11,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#393b4e","foreground":"#fff","population":3.82,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#dbd0b5","foreground":"#000","population":2,"title":"#000"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#eac796","foreground":"#000","population":1.28,"title":"#000"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#ac954d","foreground":"#fff","population":0.9,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#dd386a","foreground":"#fff","population":1.04,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"ISA_tablet.png","path":"images/k8qzcdw3/prod1503/fc75bc5ee8524fb479bf1ed4c0b781c06f635bad-1280x300.png","sha1hash":"fc75bc5ee8524fb479bf1ed4c0b781c06f635bad","size":176437,"uploadId":"9AcizAFQqnSZ8WcWzPdhR1zAKMTb3Pqa","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/fc75bc5ee8524fb479bf1ed4c0b781c06f635bad-1280x300.png","filename":"ISA_tablet.png","width":1280,"height":300,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/fc75bc5ee8524fb479bf1ed4c0b781c06f635bad-1280x300.png?rect=540,0,200,300&w=%width%&h=%height%&q=80","id":"image-fc75bc5ee8524fb479bf1ed4c0b781c06f635bad-1280x300-png","children":[],"parent":null}}},{"_key":"198396c38d61","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"abc2bb14fa42","_type":"block","children":[{"_key":"6f9e4e7b6b55","_type":"span","marks":[],"text":"Compare the best Stocks & Shares ISAs in one place - fast"}],"markDefs":[],"style":"h1"},{"_key":"d97a0686f19b","_type":"block","children":[{"_key":"f8542d4b62d2","_type":"span","marks":[],"text":"Looking for the best ISA? Don’t waste hours jumping between websites. Our free ISA comparison table lets you compare expert reviews, customer ratings, fees, and top offers - side by side, all in one place."}],"markDefs":[],"style":"normal"},{"_key":"8de1198c5598","_type":"block","children":[{"_key":"0182871de8de","_type":"span","marks":[],"text":"Unlock full access below to find your perfect ISA and what you’d pay."}],"markDefs":[],"style":"h4"}],"styles":"Grey-Transparent","title":"Compare the best ISAs in one place - fast"},{"_key":"647813d6f7ebc93c3431c9758ac6d927","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"39ff26fc401c","_type":"bestBuysTable","calculatorAssumptionsModel":{"_id":"236f7460-2fe3-4f71-9c6f-061dc9806763","_type":"calcAssumptions","_rev":"NEpTYW6DQ9f8lyxNnd9cew","_createdAt":"2021-10-12T09:18:13Z","_updatedAt":"2024-02-26T10:37:33Z","assumptionRow":["0,9999.99,1","9999.99,49999.99,2","49999.99,99999.99,4","99999.99,249999.99,6","249999.99,50000000000000000,8"],"lumpSum":"1000","title":"ISA Model","id":"-57ecbcd4-4d4b-5673-a749-2a1cca754f3f","children":[],"parent":null},"defaultLayout":"3x3 - Would recommend","defaultSortOption":"OurRatingHL","loggedOutRowLimit":1,"loggedOutRowLimitMobile":6,"sortOptions":["OurRatingHL"],"title":"ISA"}],"gatedContentReadMoreText":[{"_key":"1097b5b5b507","_type":"block","children":[{"_key":"069b689d8928","_type":"span","marks":[],"text":"Use our filters to shortlist providers that are better suited for you. "}],"markDefs":[],"style":"normal"}],"publishedAt":"2025-04-28T11:57:15.443Z","slug":{"_type":"slug","current":"isas-pensions"},"subfolder":{"_id":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"folderCategory","_rev":"cQD0A3OGksV3pY6pYH47mV","_createdAt":"2021-06-14T19:24:49Z","_updatedAt":"2023-02-15T16:24:35Z","folder":"/isas-pensions/","id":"-f5695f01-adc9-59c8-91c1-c9304ad10ae9","children":[],"parent":null},"title":"Best Stocks & Shares ISA 2026 - Compare Top Providers","id":"-d9788508-2c90-56c4-be24-45e28edb1c22","children":[],"parent":null},"text":"GET STARTED"},{"_key":"7f8282f68fef","_type":"block","children":[{"_key":"7d2c2611a0f5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"pageBreadcrumb":{"breadcrumbList":[{"linkReference":{"subfolder":{"folder":"/isas-pensions/"},"slug":{"current":"isas-pensions"},"_type":"landingPage"},"title":"Compare ISA Providers"},{"linkReference":{"subfolder":{"folder":"/"},"slug":{"current":"boring-money-awards-2026"},"_type":"landingPage"},"title":"Boring Money Best Buy Awards 2026"},{"linkReference":null,"title":"Best For Investment Research 2026 Award"}],"_id":"b204263d-eebc-496c-8f72-82758e49ab84"},"authors":[{"_key":"dea689bf6169","people":{"image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}},"name":"Boring Money"}}],"_rawQuickSurveyQuestions":null,"widgets":[{"widgetType":{"title":"Image + text + link"},"title":"Join our research panel","adZone":null,"mobileAdZone":null,"_rawBody":[{"_key":"63e5f12073a5","_type":"block","children":[{"_key":"d5d397dd4cdf","_type":"span","marks":[],"text":"Join our Research Panel"}],"markDefs":[],"style":"h4"},{"_key":"9d6941374f0a","_type":"block","children":[{"_key":"1867bfe56a21","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19a818c5c3ad","_type":"block","children":[{"_key":"9a839e0551030","_type":"span","marks":[],"text":"Join thousands of people earning cash or rewards for giving their honest feedback. Click here to become a member of the Boring Money Research Panel today!"}],"markDefs":[],"style":"normal"},{"_key":"67e84088f0cd","_type":"block","children":[{"_key":"696b7993b062","_type":"span","marks":["strong"],"text":"Click here to get started!"}],"markDefs":[],"style":"normal"}],"_rawMainImage":{"_type":"mainImage","asset":{"_ref":"image-0257851b48d343eb46fdd3cf8352218cbf8351dc-3840x2160-png","_type":"reference"}},"id":"-f501c2f7-ff3e-5ac8-88b4-f5c5c30b9a2c","mainImage":{"blankAltTag":null,"crop":null,"hotspot":null,"asset":{"_id":"image-0257851b48d343eb46fdd3cf8352218cbf8351dc-3840x2160-png"},"alt":null},"linkReference":{"subfolder":{"folder":"/"},"slug":{"current":"the-boring-money-army-wants-you"},"_type":"landingPage"}},{"widgetType":{"title":"Image + text + link"},"title":"Contact us","adZone":null,"mobileAdZone":null,"_rawBody":[{"_key":"12a52370b84b","_type":"block","children":[{"_key":"f4a96ffd5243","_type":"span","marks":[],"text":"Contact us"}],"markDefs":[],"style":"h4"},{"_key":"6d3da9cab9be","_type":"block","children":[{"_key":"9715d978a402","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"55646d37119f","_type":"block","children":[{"_key":"112420a491cc","_type":"span","marks":[],"text":"Have a question about money that we haven't answered? Need help making better money choices?"}],"markDefs":[],"style":"normal"},{"_key":"0695bd6571ef","_type":"block","children":[{"_key":"8289049851a9","_type":"span","marks":["strong"],"text":"Email our team today."}],"markDefs":[],"style":"normal"}],"_rawMainImage":{"_type":"mainImage","alt":"Contact us","asset":{"_ref":"image-ab59f7e46f31eaa0dab6342e71531f9dcb202b4d-1920x1080-png","_type":"reference"},"blankAltTag":true},"id":"-6d2f3ccb-d3dc-58f8-8964-9fce73ffd590","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-ab59f7e46f31eaa0dab6342e71531f9dcb202b4d-1920x1080-png"},"alt":"Contact us"},"linkReference":{"url":"mailto:community@boringmoney.co.uk","_type":"linkCategory"}}],"content":[],"linkMenu":[],"canonicalTagOverride":null},"allArticles":{"nodes":[{"id":"-78d2192e-1daa-5034-9729-ba0f526f258a","title":"TACOs, hippy shoes and 'not boring annuities'","authors":[{"_key":"361352654c12","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2026-04-17T15:35:42Z","publishedAt":"2026-04-17T12:42:26.690Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-3ecfe172838a6e8f64524beb017107108e96de5c-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-tacos-hippy-shoes-and-not-boring-annuities","_type":"slug","_key":null},"_type":"post"},{"id":"-b79d805d-8280-5fe6-a1de-ef944c4b8a01","title":"Q1 2026 Ready-Made Portfolio Returns: Which Portfolios Performed Best?","authors":[{"_key":"e46e7988e212","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"Written By ","_type":"span","marks":[],"_key":"92b01a0993d3"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"c7bcc6b7dc60"}],"_type":"block","_key":"439a73a014f3","style":"normal"}],"_updatedAt":"2026-04-17T12:08:34Z","publishedAt":"2026-04-15T09:05:08.462Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-a6694612b2f54ea7b9a3d196fdf2fa4eaed33c7a-1920x1080-png"}},"categories":[{"_id":"a0233bcc-9945-4ded-b8db-d6a11bba1857","title":"Ready-Made Solutions","_type":"category"},{"_id":"bdd905f3-7e9a-4c61-8966-ddae8f16ef17","title":"Product Performance","_type":"category"},{"_id":"2b24e6f3-6040-4b22-9356-14184abc4876","title":"Performance - Ready Made solutions ","_type":"category"}],"slug":{"current":"best-performing-ready-made-solutions-of-january-March-2026","_type":"slug","_key":null},"_type":"post"},{"id":"-bd997773-fbd8-51a1-a01f-546ad7f0e23e","title":"More nervous than Covid. But not running for the exit.","authors":[{"_key":"aeaecb25c5fa","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"Written by ","_type":"span","marks":[],"_key":"2dab1f1ae2cb"},{"text":"Boring Money","_type":"span","marks":["2d07ad5f765d"],"_key":"8ed13d6b1e19"}],"_type":"block","_key":"f6656975e1e7","style":"normal"}],"_updatedAt":"2026-04-14T14:42:41Z","publishedAt":"2026-04-14T14:42:39.888Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-09a9895e1a0d5c436daca50fa6d812bfe5c827e7-4400x2475-png"}},"categories":[{"_id":"def95b47-e129-4000-96df-e0bed8d203e8","title":"Survey","_type":"category"}],"slug":{"current":"more-nervous-than-covid-but-not-running-for-the-exits","_type":"slug","_key":null},"_type":"post"},{"id":"-0376aedd-b0a9-5668-b4ba-69789da9c7ab","title":"Bonds vs Equities: Where Are the Opportunities Now?","authors":[{"_key":"b2747fea414c","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"Written by Boring Money","_type":"span","marks":[],"_key":"aac78cd4f7ab"}],"_type":"block","_key":"34b5dff7fbde","style":"normal"}],"_updatedAt":"2026-04-15T10:12:50Z","publishedAt":"2026-04-13T15:51:02.743Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-58cb4163f1b7919b12265b33447fac7fcee8de21-1920x1080-png"}},"categories":[{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"},{"_id":"324d60b8-6372-47d1-b157-ebe7973d8d81","title":"Bonds","_type":"category"}],"slug":{"current":"bonds-vs-equities-where-are-the-opportunities-now","_type":"slug","_key":null},"_type":"post"},{"id":"-eba1b41e-9ab6-5daf-b84d-1e5bcd33b757","title":"Top Cash ISA Rates for 2026: Where to Get the Most for Your Money","authors":[{"_key":"174d8750d437","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"87bda0b50055"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"f2781f28eee9"}],"_type":"block","_key":"de1715a5bb2a","style":"normal"}],"_updatedAt":"2026-04-10T13:49:14Z","publishedAt":"2026-04-10T13:49:11.971Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-d67ae756c791ce95c5739d517b698803257be92e-1920x1080-png"}},"categories":[{"_id":"93c8563a-3c8a-440c-aa52-1792f61017f3","title":"ISA - Cash ISA","_type":"category"},{"_id":"73fddf86-91d0-45eb-adf5-638de6442300","title":"ISAs","_type":"category"}],"slug":{"current":"best-cash-isa-rates","_type":"slug","_key":null},"_type":"post"},{"id":"-09bea2b6-35e4-5d36-b175-cb8957cf4064","title":"Buy the dip? More blip than dip. ","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2026-04-10T12:04:42Z","publishedAt":"2026-04-10T11:54:48.380Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-f8c6a79eada433e0d823f710411cfe93957afde4-1920x1080-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-Buy-the-dip-More-blip-than-dip","_type":"slug","_key":null},"_type":"post"},{"id":"-c087abdb-9810-5900-aa1d-213ac501685d","title":"Adult children moving back home: what it really costs parents","authors":[{"_key":"4b49864038f4","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"Written by ","_type":"span","marks":[],"_key":"97583bcfff6d"},{"text":"Boring Money","_type":"span","marks":["e6abf87e6a4d"],"_key":"33a5b06106c2"}],"_type":"block","_key":"86d1254f5f49","style":"normal"}],"_updatedAt":"2026-04-09T15:50:24Z","publishedAt":"2026-04-09T15:21:01.110Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-00ba35c80dcbfbf7dd614fd99a7b5eae10d4b8a7-1920x1080-png"}},"categories":[{"_id":"69f1dd9e-7f24-403a-9636-7574594c2f96","title":"Lifestage","_type":"category"}],"slug":{"current":"adult-children-moving-back-home-what-it-really-costs-parents","_type":"slug","_key":null},"_type":"post"},{"id":"-0c5f75dc-b7f1-586c-ac74-ae272177f579","title":"Best-selling funds, Investment Trusts and ETFs of March 2026","authors":[{"_key":"43a98a4171e4","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"158ad2dd0887"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"dfd6013806a7"}],"_type":"block","_key":"2f7ff9d70343","style":"normal"}],"_updatedAt":"2026-04-09T10:45:33Z","publishedAt":"2026-04-08T14:22:18.466Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-8456589a8202acfdf37be85a14b84b5a84677f8f-1920x1080-png"}},"categories":[{"_id":"5e617b0c-a279-402b-9c5b-455d4ba66303","title":"Product Performance - Best-selling funds, Investment Trusts and ETFs","_type":"category"},{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","title":"Funds","_type":"category"},{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"a9695476-b643-4a18-be2a-e8dbf3420afd","title":"ETFs","_type":"category"}],"slug":{"current":"bestselling-funds-investment-trusts-and-etfs-of-march-2026","_type":"slug","_key":null},"_type":"post"},{"id":"-954f641d-2ae7-5444-9665-4e1a2cf2575e","title":"Wild March, kittens and chocolate coins","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2026-04-02T16:41:35Z","publishedAt":"2026-04-02T16:41:33.057Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-defcd739161c1d914999176192b3441ad87c345f-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-Wild-March-kittens-and-chocolate-coins","_type":"slug","_key":null},"_type":"post"},{"id":"-6ac483e4-91ec-535f-bf2c-49a062cc4d26","title":"Is gold still a safe haven in 2026? What investors need to know","authors":[{"_key":"7121249bbf24","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"Written by Boring Money","_type":"span","marks":[],"_key":"0202a55aaec8"}],"_type":"block","_key":"a3a506d93e89","style":"normal"}],"_updatedAt":"2026-04-01T14:12:40Z","publishedAt":"2026-04-01T14:12:38.736Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-65e5060ba2ed7e0e713781eae589bce6cd46f7e4-1920x1080-png"}},"categories":[{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"is-gold-still-a-safe-haven-in-2026-what-investors-need-to-know","_type":"slug","_key":null},"_type":"post"},{"id":"-853576b2-5187-5047-ae13-e0e00f6a70d4","title":"\"We are not in an AI Bubble\" - BlackRock, a capybara and Yoda opine","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2026-03-30T15:34:40Z","publishedAt":"2026-03-27T11:22:44.733Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-38a220b8fe819ae985728c36eee0ca2d2d9e5632-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-We-are-not-in-an-AI-Bubble-BlackRock-a-capybara-and-Yoda-opine","_type":"slug","_key":null},"_type":"post"},{"id":"-08031d63-cc74-5c12-9537-f0a9ee958a46","title":"Another nerve-wracking week","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2026-03-20T16:26:29Z","publishedAt":"2026-03-20T13:03:21.046Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-6bd2b512dde61bba985d9068908adbef5baebdaa-800x450-jpg"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-Another-nerve-wracking-week","_type":"slug","_key":null},"_type":"post"},{"id":"-bd6a8fcf-f9eb-5344-b434-30c5933b07f0","title":"BoE Interest Rate Decision: How it Affects Your Savings, Mortgage, Pension and More","authors":[{"_key":"1fc25a90acb8","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"7a0a0f92c648"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"fdfb92759f6e"}],"_type":"block","_key":"fd320c425ba2","style":"normal"}],"_updatedAt":"2026-03-19T13:32:15Z","publishedAt":"2026-03-19T13:32:13.784Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-17e71da6da48030c6970a263faed62b1d72966e5-1920x1080-png"}},"categories":[{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"},{"_id":"dde8f78c-cf90-4642-9b65-3401bde72d25","title":"Mortgage","_type":"category"}],"slug":{"current":"boe-interest-rate-decision-how-it-affects-your-savings-mortgage-pension-and-more","_type":"slug","_key":null},"_type":"post"},{"id":"-91793154-16da-53c3-b2d5-27abbe841ad9","title":"Meet Vix - she's frightening!","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2026-03-13T12:47:17Z","publishedAt":"2026-03-13T12:46:47.626Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-83cecd4e4683143590f2a2aad5e8c0482d6bd7f8-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-Meet-Vix-shes-frightening","_type":"slug","_key":null},"_type":"post"},{"id":"-d9cebaaa-078b-529c-8e5a-315c69b1314a","title":"Best-selling funds, Investment Trusts and ETFs of February 2026","authors":[{"_key":"43a98a4171e4","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"158ad2dd0887"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"dfd6013806a7"}],"_type":"block","_key":"2f7ff9d70343","style":"normal"}],"_updatedAt":"2026-03-13T09:36:40Z","publishedAt":"2026-03-10T16:54:19.384Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-1a1d64d0afee2f592e903e3f1ff9b0a9cc001094-1920x1080-png"}},"categories":[{"_id":"5e617b0c-a279-402b-9c5b-455d4ba66303","title":"Product Performance - Best-selling funds, Investment Trusts and ETFs","_type":"category"},{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","title":"Funds","_type":"category"},{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"a9695476-b643-4a18-be2a-e8dbf3420afd","title":"ETFs","_type":"category"}],"slug":{"current":"bestselling-funds-investment-trusts-and-etfs-of-February-2026","_type":"slug","_key":null},"_type":"post"},{"id":"-b5cfd779-5d76-592c-997f-c80ab7ebd711","title":"Active vs Passive Ready-Made Portfolios - The Performance Data Speaks","authors":[{"_key":"d66fce40250f","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"Written by ","_type":"span","marks":[],"_key":"f3e7bbe6b4a3"},{"text":"Boring Money","_type":"span","marks":["554cc5821090"],"_key":"902361b6c17b"}],"_type":"block","_key":"00eff1456ec5","style":"normal"}],"_updatedAt":"2026-03-10T14:38:18Z","publishedAt":"2026-03-10T09:55:46.845Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-d983701bdd697ff10d085b9d02353d433f7ea671-1920x1080-png"}},"categories":[{"_id":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","title":"Investing Guides","_type":"category"}],"slug":{"current":"active-vs-passive-readymade-portfolios-the-performance-data-speaks","_type":"slug","_key":null},"_type":"post"},{"id":"-efbe4cd4-5df0-52e4-9d87-a0bf08c85457","title":"A week is a long time in markets ","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2026-03-06T11:43:19Z","publishedAt":"2026-03-06T11:13:44.079Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-21e2b72034ac0b73e47dfb71162d3fc1c17333cf-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-a-week-is-a-long-time-in-markets","_type":"slug","_key":null},"_type":"post"},{"id":"-8a856c87-254a-56ea-b570-165fb5b34f7d","title":"Spring Statement 2026 ","authors":[{"_key":"f88ffd8420f9","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"Written by ","_type":"span","marks":[],"_key":"db92a4c01173"},{"text":"Boring Money ","_type":"span","marks":["925aebd4e58d"],"_key":"b2d465bbf528"}],"_type":"block","_key":"3837579f11ff","style":"normal"}],"_updatedAt":"2026-03-05T13:13:49Z","publishedAt":"2026-03-04T12:04:46.312Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-2ca2f6cd32d491f6bd1fa99d160efbeed45a77d9-1920x1080-png"}},"categories":[{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"spring-statement-2026-","_type":"slug","_key":null},"_type":"post"},{"id":"-a66ab8d0-b5ca-5519-a2ba-8fe4c4af6e20","title":"Miami Nice","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2026-02-27T12:28:18Z","publishedAt":"2026-02-27T12:26:27.661Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-7ee170f70c83a9d83e880939dba090adc2e05b63-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-miami-nice","_type":"slug","_key":null},"_type":"post"},{"id":"-0f3f7e3b-eb35-52a9-907f-fb2605843850","title":"Smart ISA Income Investments for 2026: Funds and Strategies for Tax-Free Returns","authors":[{"_key":"4e6493ece3d2","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":null,"_updatedAt":"2026-02-27T14:52:32Z","publishedAt":"2026-02-27T09:32:19.101Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-5c7d07a8a844c1f06195282ad58a117d4fe5ec3d-1920x1080-png"}},"categories":[{"_id":"39d2ca7f-4862-4ab2-b902-0bf10f1d4c34","title":"ISA - Stocks and Shares ISA","_type":"category"},{"_id":"73fddf86-91d0-45eb-adf5-638de6442300","title":"ISAs","_type":"category"}],"slug":{"current":"smart-isa-income-investments-for-2026-funds-and-strategies-for-taxfree-returns","_type":"slug","_key":null},"_type":"post"},{"id":"-688f5c88-3248-5480-8a0b-de3b7feb1bdb","title":"Europe shines as tax year end beckons","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2026-02-27T13:49:08Z","publishedAt":"2026-02-20T11:29:59.961Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-26d645cc5c0d41e2acfba5937d2cba45143bb688-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-europe-shines-as-tax-year-end-beckons","_type":"slug","_key":null},"_type":"post"},{"id":"-9de41658-4c94-5837-8fc7-3c8acf1d63eb","title":"Top Performing Investments November 2025 - January 2026: Three-Month Analysis","authors":[{"_key":"43a98a4171e4","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"Written by ","_type":"span","marks":[],"_key":"158ad2dd0887"},{"text":"Boring Money","_type":"span","marks":["strong","d16b1908ce9f"],"_key":"dfd6013806a7"}],"_type":"block","_key":"2f7ff9d70343","style":"normal"}],"_updatedAt":"2026-02-13T14:27:21Z","publishedAt":"2026-02-13T14:26:38.680Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-2ced2397de249f9d89e8e5313b8e9376846278cc-1920x1080-png"}},"categories":[{"_id":"c11f6dd3-c4fd-43bd-b895-7e9622c04b3b","title":"Product Performance - Top performing","_type":"category"},{"_id":"bdd905f3-7e9a-4c61-8966-ddae8f16ef17","title":"Product Performance","_type":"category"},{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","title":"Funds","_type":"category"},{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"a9695476-b643-4a18-be2a-e8dbf3420afd","title":"ETFs","_type":"category"}],"slug":{"current":"best-investment-returns-november-to-january-2026","_type":"slug","_key":null},"_type":"post"},{"id":"-25854397-8b15-5622-95d5-ad616ab5fe1b","title":"Hot money backs cold space","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2026-02-13T13:15:16Z","publishedAt":"2026-02-13T13:12:04.472Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-0437fd8ec0d1c6eed713483d94bb07b3b5cc4c43-5657x3182-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-Hot-money-backs-cold-space","_type":"slug","_key":null},"_type":"post"},{"id":"-c5730f43-1d8e-5297-881b-4060978f8af9","title":"Best-selling funds, Investment Trusts and ETFs of January 2026","authors":[{"_key":"43a98a4171e4","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"158ad2dd0887"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"dfd6013806a7"}],"_type":"block","_key":"2f7ff9d70343","style":"normal"}],"_updatedAt":"2026-02-10T13:56:59Z","publishedAt":"2026-02-10T13:56:56.101Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-cfe12ed0047aa28ecd7bb982351d8492231d9416-1920x1080-png"}},"categories":[{"_id":"5e617b0c-a279-402b-9c5b-455d4ba66303","title":"Product Performance - Best-selling funds, Investment Trusts and ETFs","_type":"category"},{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","title":"Funds","_type":"category"},{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"a9695476-b643-4a18-be2a-e8dbf3420afd","title":"ETFs","_type":"category"}],"slug":{"current":"bestselling-funds-investment-trusts-and-etfs-of-january-2026","_type":"slug","_key":null},"_type":"post"},{"id":"-fbb85306-e7d1-5ae5-8570-7259e71db92d","title":"What tax changes are taking effect in the 2026/27 tax year?","authors":[{"_key":"e35139b8b4d8","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":null,"_updatedAt":"2026-03-02T12:33:27Z","publishedAt":"2026-02-07T14:30:24.791Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-37ea30c701e8167c4b746fded3460b890eb8c6fd-1920x1080-png"}},"categories":[{"_id":"dd0844ff-d219-41f0-9006-8cc97e1faff1","title":"Tax","_type":"category"}],"slug":{"current":"what-tax-changes-are-taking-effect-in-the-202627-tax-year","_type":"slug","_key":null},"_type":"post"},{"id":"-aa570195-7635-588e-b36a-a1f0310dacbf","title":"Ai Ai Ai Ai, canta y no llores...","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2026-02-06T12:41:14Z","publishedAt":"2026-02-06T12:03:28.440Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-04c9b484cbc066005f9fcafb81d947ca70b60b84-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-Ai-Ai-Ai-Ai-canta-y-no-llores","_type":"slug","_key":null},"_type":"post"},{"id":"-f23d0bf4-6080-5a48-b1b9-733ed30d2783","title":"Is Resource Nationalism the Biggest Investment Trend of 2026?","authors":[{"_key":"4a0902e6e658","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"Written by ","_type":"span","marks":[],"_key":"e6181928ee93"},{"text":"Boring Money ","_type":"span","marks":["fa465ca0169e"],"_key":"f54b83e8ff93"}],"_type":"block","_key":"420a2f0594c4","style":"normal"}],"_updatedAt":"2026-02-05T13:25:12Z","publishedAt":"2026-02-04T10:28:11.591Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-e26a6e616b54109d5c3c47adc02af9713cc40cdb-1920x1080-png"}},"categories":[{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"},{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"}],"slug":{"current":"is-resource-nationalism-the-biggest-investment-trend-of-2026","_type":"slug","_key":null},"_type":"post"},{"id":"-395b2338-c78c-5362-8921-119e68b49553","title":"Has Hargreaves Lansdown Cut Its Fees? ","authors":[{"_key":"598ca51084af","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":null,"_updatedAt":"2026-02-03T09:09:09Z","publishedAt":"2026-01-26T09:20:12.302Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-3e278f20865c550d0a9dc170aa2890d282e83c4b-1920x1080-png"}},"categories":[{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"},{"_id":"2845ba64-de47-4336-abc9-216ccbb41a52","title":"Boring Money Provider Reviews","_type":"category"}],"slug":{"current":"has-hargreaves-lansdown-cut-its-fees","_type":"slug","_key":null},"_type":"post"},{"id":"-d79c6fb3-0fb2-55e7-88e0-671f9774487b","title":"Moving from cash savings to investing: What's holding people back?","authors":[{"_key":"b19185ec70ca","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"43ac957dbcb6"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"d39723e81c69"}],"_type":"block","_key":"866f4b1104e6","style":"normal"}],"_updatedAt":"2026-01-23T14:28:01Z","publishedAt":"2026-01-23T14:24:33.574Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-906052ac06a13d1122aeecba0e37434f5f4eec77-1920x1080-png"}},"categories":[{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"}],"slug":{"current":"moving-from-cash-savings-to-investing-whats-holding-people-back","_type":"slug","_key":null},"_type":"post"},{"id":"-8fb756c3-e84f-5a45-a885-84a9615c0abd","title":"Trump Dump Slump and Pump","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2026-01-23T12:40:12Z","publishedAt":"2026-01-23T12:22:55.751Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-bd527cac36592f5d3fc65efd38b41867b6dbfbbf-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-Trump-Dump-Slump-and-Pump","_type":"slug","_key":null},"_type":"post"},{"id":"-7c6b2063-2504-5aef-9031-28374596ce46","title":"Moisturiser, space and silver ","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2026-01-16T12:45:36Z","publishedAt":"2026-01-16T11:53:37.593Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-6a09c5221ae42bbe8bf757ecf8bcda8f8fbc41a2-800x450-jpg"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-moisturiser-space-and-silver","_type":"slug","_key":null},"_type":"post"},{"id":"-f7a060b1-43cb-5bf3-8346-a5f8f4ccdefe","title":"Q4 2025 Ready-Made Portfolio Returns: Which Portfolios Performed Best?","authors":[{"_key":"e46e7988e212","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"92b01a0993d3"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"c7bcc6b7dc60"}],"_type":"block","_key":"439a73a014f3","style":"normal"}],"_updatedAt":"2026-02-27T17:18:30Z","publishedAt":"2026-01-16T09:37:37.514Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-60b781a4b71b0921c67324fb1205b4e9981cc128-1920x1080-png"}},"categories":[{"_id":"a0233bcc-9945-4ded-b8db-d6a11bba1857","title":"Ready-Made Solutions","_type":"category"},{"_id":"bdd905f3-7e9a-4c61-8966-ddae8f16ef17","title":"Product Performance","_type":"category"},{"_id":"2b24e6f3-6040-4b22-9356-14184abc4876","title":"Performance - Ready Made solutions ","_type":"category"}],"slug":{"current":"best-performing-ready-made-solutions-of-october-december-2025","_type":"slug","_key":null},"_type":"post"},{"id":"-c50602b2-22c2-5a99-bace-e4de3ed594f9","title":"Best-selling funds, Investment Trusts and ETFs of December 2025","authors":[{"_key":"43a98a4171e4","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"158ad2dd0887"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"dfd6013806a7"}],"_type":"block","_key":"2f7ff9d70343","style":"normal"}],"_updatedAt":"2026-01-14T11:38:20Z","publishedAt":"2026-01-14T10:52:34.438Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-4820ae8cd47dbaf2aa7fdccd53316b90da803aeb-1920x1080-png"}},"categories":[{"_id":"5e617b0c-a279-402b-9c5b-455d4ba66303","title":"Product Performance - Best-selling funds, Investment Trusts and ETFs","_type":"category"},{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","title":"Funds","_type":"category"},{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"a9695476-b643-4a18-be2a-e8dbf3420afd","title":"ETFs","_type":"category"}],"slug":{"current":"bestselling-funds-investment-trusts-and-etfs-of-december-2025","_type":"slug","_key":null},"_type":"post"},{"id":"-d8c08a35-bc69-5367-b05f-e74274547e27","title":"The FTSE 100: Four Decades of Britain's Blue Chip Barometer","authors":[{"_key":"5c7eb03e6b13","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By Boring Money","_type":"span","marks":[],"_key":"f19a46dde77f"}],"_type":"block","_key":"510ad5c56dfe","style":"normal"}],"_updatedAt":"2026-01-13T16:41:49Z","publishedAt":"2026-01-13T10:48:05.769Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-9e1a58a1512ddc704796c059a1659e5566a36712-1920x1080-png"}},"categories":[{"_id":"b09bc8a1-3225-47eb-aa7d-538473acdb89","title":"Guide","_type":"category"}],"slug":{"current":"the-ftse-100-four-decades-of-britains-blue-chip-barometer","_type":"slug","_key":null},"_type":"post"},{"id":"-59801801-984a-5dcb-920f-766df18a77cb","title":"Celebrations and all-time highs","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2026-01-09T13:00:56Z","publishedAt":"2026-01-09T12:54:08.514Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-284488cc910b2c34570b16616b1d50b3e0e76d53-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-Celebrations-and-all-time-highs","_type":"slug","_key":null},"_type":"post"},{"id":"-17dd8157-9ead-5a2d-a759-8abd4a7dee4d","title":"Magnificent Seven: What Are They And What's All The Hype About?","authors":[{"_key":"6f399e2d6279","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By","_type":"span","marks":[],"_key":"e9ba7e988321"},{"text":" Boring Money","_type":"span","marks":["strong"],"_key":"7e3b839c71ab"}],"_type":"block","_key":"1ffb005f5c81","style":"normal"}],"_updatedAt":"2026-01-09T12:53:40Z","publishedAt":"2026-01-09T12:53:28.362Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-6735ca6d1dd95bbb66a2df48357b91d60eab4c4c-1920x1080-png"}},"categories":[{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"},{"_id":"b09bc8a1-3225-47eb-aa7d-538473acdb89","title":"Guide","_type":"category"}],"slug":{"current":"magnificent-seven-what-are-they-and-whats-all-the-hype-about","_type":"slug","_key":null},"_type":"post"},{"id":"-fe7ff82d-5d39-5b95-9862-00b579aace00","title":"First ISA Guide: How to Open Your First ISA in 3 Steps","authors":[{"_key":"ba7d8eed31b7","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"18257129bc21"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"675f33fe335b"}],"_type":"block","_key":"25ecb7e64909","style":"normal"}],"_updatedAt":"2026-03-11T14:54:09Z","publishedAt":"2026-01-02T14:10:24.352Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-feb6ae62f008977c5f0a0c110f2863db3b3ca76b-1920x1080-png"}},"categories":[{"_id":"73fddf86-91d0-45eb-adf5-638de6442300","title":"ISAs","_type":"category"},{"_id":"39d2ca7f-4862-4ab2-b902-0bf10f1d4c34","title":"ISA - Stocks and Shares ISA","_type":"category"}],"slug":{"current":"guide-to-taking-out-your-first-isa","_type":"slug","_key":null},"_type":"post"},{"id":"-98270fb2-6ad2-5073-8eb1-09ebfa14e915","title":"Happy New Year","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2026-01-02T13:20:53Z","publishedAt":"2026-01-02T13:20:51.760Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-abadc6a9d8c65720be90ad6342f6893a47f6f776-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-happy-new-year-2026","_type":"slug","_key":null},"_type":"post"},{"id":"-b7347e4a-320d-5423-8353-e645d0a202dd","title":"Happy Christmas and a look ahead","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-12-19T13:02:42Z","publishedAt":"2025-12-19T12:15:58.935Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-c2c50828ed0a14663ed10d6b4237806a8e02681b-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-happy-christmas-and-a-look-ahead","_type":"slug","_key":null},"_type":"post"},{"id":"-752f74a4-7c45-585a-b806-86b464ecc279","title":"On The Box and 2025 Greatest Hits ","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-12-12T12:46:01Z","publishedAt":"2025-12-12T12:43:08.881Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-5678ba55fcdcdab09872af43b62be21bf32a7b95-800x450-jpg"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-on-the-box-and-2025-greatest-hits","_type":"slug","_key":null},"_type":"post"},{"id":"-3abd0bab-bb9b-5917-b7f8-f6abd57708ad","title":"Holly’s Mackay's View on Crypto ","authors":[{"_key":"2b4eddc31523","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":null,"_updatedAt":"2025-12-12T12:42:27Z","publishedAt":"2025-12-12T11:18:50.424Z","mainImage":{"blankAltTag":null,"crop":null,"hotspot":null,"asset":{"_id":"image-c31a144b5da3e7f6441103498394979260f7ccc2-1920x1080-png"}},"categories":[{"_id":"4a71773b-2c0c-40f7-9fa5-7af4f060bba5","title":"Crypto","_type":"category"}],"slug":{"current":"hollys-mackays-view-on-crypto","_type":"slug","_key":null},"_type":"post"},{"id":"-c1cb22f9-af62-55df-8306-4d407299cf07","title":"Best-selling funds, Investment Trusts and ETFs of November 2025","authors":[{"_key":"43a98a4171e4","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"158ad2dd0887"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"dfd6013806a7"}],"_type":"block","_key":"2f7ff9d70343","style":"normal"}],"_updatedAt":"2026-01-09T16:46:27Z","publishedAt":"2025-12-10T09:46:10.693Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-eb728d548137aeedf8a1b541c4f2e7294e5d2c77-1920x1080-png"}},"categories":[{"_id":"5e617b0c-a279-402b-9c5b-455d4ba66303","title":"Product Performance - Best-selling funds, Investment Trusts and ETFs","_type":"category"},{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","title":"Funds","_type":"category"},{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"a9695476-b643-4a18-be2a-e8dbf3420afd","title":"ETFs","_type":"category"}],"slug":{"current":"bestselling-funds-investment-trusts-and-etfs-of-november-2025","_type":"slug","_key":null},"_type":"post"},{"id":"-3c705a3d-ef8f-5913-bf53-77694bbb2b44","title":"Tax tips, cash funds and Sandwiches","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-12-05T12:59:20Z","publishedAt":"2025-12-05T11:58:44.886Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-1dbc36e88c30564c8f112aa1c1b6911b3c69358c-1920x1080-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-Tax-tips-cash-funds-and-sandwiches","_type":"slug","_key":null},"_type":"post"},{"id":"-fb1a12a8-a51f-5e94-af71-8c8edde72a10","title":"The Indirect Consequences of the 2025 Budget: Five Tax Traps to Avoid","authors":[{"_key":"309875e811c7","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"460fe0cb187d"},{"text":"Boring Money ","_type":"span","marks":["strong"],"_key":"144286e9ca03"}],"_type":"block","_key":"d2e5d3101a1f","style":"normal"}],"_updatedAt":"2025-12-02T17:05:44Z","publishedAt":"2025-12-02T17:05:23.681Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-cfd88fc777e3ae38692257bfecf2f6d44664439b-1920x1080-png"}},"categories":[{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"},{"_id":"dd0844ff-d219-41f0-9006-8cc97e1faff1","title":"Tax","_type":"category"},{"_id":"5cf55588-b674-41ff-9f06-b87461a297dd","title":"Pay Less Tax","_type":"category"}],"slug":{"current":"the-indirect-consequences-of-the-2025-budget-five-tax-traps-to-avoid","_type":"slug","_key":null},"_type":"post"},{"id":"-b1c0a598-20cd-5d1a-adc1-8c651de036fb","title":"VCTs and EISs: How to Mitigate Your Capital Gains Tax Bill","authors":[{"_key":"16863e76caf0","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By","_type":"span","marks":[],"_key":"980d13fedad1"},{"text":" Boring Money ","_type":"span","marks":["strong"],"_key":"01c5dfa59aaa"}],"_type":"block","_key":"18094a08cf40","style":"normal"}],"_updatedAt":"2025-11-28T13:58:38Z","publishedAt":"2025-11-28T13:58:36.168Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-3ed5bac47cc73852f2b05ed54cb5742f2b0f36be-1920x1080-png"}},"categories":[{"_id":"dd0844ff-d219-41f0-9006-8cc97e1faff1","title":"Tax","_type":"category"},{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"}],"slug":{"current":"mitigating-capital-gains-tax-vcts-and-eiss-as-potential-solutions","_type":"slug","_key":null},"_type":"post"},{"id":"-1799acba-e955-50e3-8539-05c513cb945f","title":"My Milkshake Tax brings pounds to the yard...","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-11-28T13:29:12Z","publishedAt":"2025-11-28T13:05:08.288Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-4a941e3b6f320b0035f6c090bfc65fff8f100301-800x450-jpg"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-My-Milkshake-Tax-brings-pounds-to-the-yard","_type":"slug","_key":null},"_type":"post"},{"id":"-3491dcbf-6db8-5827-bf72-d41beb4172cb","title":"Rachel's Rap","authors":[{"_key":"89d892cb09f7","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By Holly Mackay ","_type":"span","marks":[],"_key":"de78b1f698a3"}],"_type":"block","_key":"624bd477f3f4","style":"normal"}],"_updatedAt":"2025-11-28T10:59:23Z","publishedAt":"2025-11-28T09:12:17.624Z","mainImage":{"blankAltTag":null,"crop":null,"hotspot":null,"asset":{"_id":"image-9883e46caa52c8ef66d4317c0dafd2ba330d4dcc-1890x1417-png"}},"categories":[{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"rachels-rap","_type":"slug","_key":null},"_type":"post"},{"id":"-64b9ef12-eea2-5ee5-af83-4cb0658aed47","title":"Autumn Budget 2025: Key takeaways you need to know","authors":[{"_key":"b94cbcdccff1","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"b8e273e2e88e"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"bc4162d42938"}],"_type":"block","_key":"54e04fac0a8d","style":"normal"}],"_updatedAt":"2025-11-28T13:20:50Z","publishedAt":"2025-11-26T18:47:58.032Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-42dd16a580e9fb65b2c8d4652a687e06d23c2b80-1920x1080-png"}},"categories":[{"_id":"dd0844ff-d219-41f0-9006-8cc97e1faff1","title":"Tax","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"autumn-budget-2025-key-takeaways-you-need-to-know","_type":"slug","_key":null},"_type":"post"},{"id":"-99bc52b3-0854-513c-ba74-a6d9d57307a1","title":"UK Budget 2025: Could It Boost UK Equities and Small Cap Stocks?","authors":[{"_key":"915a701ba179","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"Sponsored by ","_type":"span","marks":[],"_key":"a4b727eab930"},{"text":"Schroders","_type":"span","marks":["strong"],"_key":"c923bb03ae19"}],"_type":"block","_key":"07a2cdfbeeb9","style":"normal"}],"_updatedAt":"2025-11-28T13:04:10Z","publishedAt":"2025-11-21T15:35:46.771Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-a5a465e470c7c1f81f8013addb60f25008f8d507-1920x1080-png"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"uk-budget-2025-will-rachel-reeves-announcement-boost-uk-equities-and-small-cap-stocks","_type":"slug","_key":null},"_type":"post"},{"id":"-ee4e5f8d-df7d-5c86-b984-b136955bf83f","title":"Behind the Scenes at Quilter Invest: Where Old Wealth Meets New Tech","authors":[{"_key":"b19185ec70ca","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"43ac957dbcb6"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"d39723e81c69"}],"_type":"block","_key":"866f4b1104e6","style":"normal"}],"_updatedAt":"2025-11-21T14:13:34Z","publishedAt":"2025-11-21T14:13:13.752Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-7675da0a3823a14cca59eccd013f9273f00f8312-1920x1080-png"}},"categories":[{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"},{"_id":"a0233bcc-9945-4ded-b8db-d6a11bba1857","title":"Ready-Made Solutions","_type":"category"}],"slug":{"current":"behind-the-scenes-at-quilter-invest-where-old-wealth-meets-new-tech","_type":"slug","_key":null},"_type":"post"},{"id":"-458eb208-ecf2-53f4-834a-48feece0da16","title":"From Black Holes to Bubbles","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-11-21T14:34:41Z","publishedAt":"2025-11-21T12:13:06.064Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-03a6198f3df55ac9eadc4e646c143d1d30d6fe1f-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-from-black-holes-to-bubbles","_type":"slug","_key":null},"_type":"post"},{"id":"-ae6715de-5346-54b8-bcf8-1947c79f84c3","title":"AI Bubble Warning: Are We Heading for Another Dotcom Crash?","authors":[{"_key":"e31aff3af081","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"bc82eeeb1476"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"fa4ef8d00754"}],"_type":"block","_key":"4372e4167a98","style":"normal"}],"_updatedAt":"2025-11-20T09:04:56Z","publishedAt":"2025-11-20T09:04:55.616Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-072687d1e5e7d9426bace921009b117a0db40a82-1920x1080-png"}},"categories":[{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"ai-bubble-warning-are-we-heading-for-another-dotcom-crash","_type":"slug","_key":null},"_type":"post"},{"id":"-498e57dc-0e9c-5a22-80c4-f907e78b5d95","title":"Champagne Tax Towers ","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-11-14T13:37:51Z","publishedAt":"2025-11-14T13:09:50.666Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-1a5c9abc098b490074e0c3c588285d110a69e78f-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-champagne-tax-towers","_type":"slug","_key":null},"_type":"post"},{"id":"-36d243fe-4bc1-5bb6-ae80-63ae810631e0","title":"Celebrating Excellence: Women in Financial Advice Awards 2025","authors":[{"_key":"d4f37a7e0101","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By","_type":"span","marks":[],"_key":"dd9c8e7523e9"},{"text":" Boring Money","_type":"span","marks":["strong"],"_key":"0038ec09d632"}],"_type":"block","_key":"9cf15b4e87ff","style":"normal"}],"_updatedAt":"2026-03-30T11:01:09Z","publishedAt":"2025-11-13T14:09:05.837Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-c3ae799f4c610fa0a1838a15be8e684204f259ff-1920x1080-png"}},"categories":[{"_id":"0974d2bd-b6f4-4c15-8eff-4853e7946a48","title":"Cohort - Women","_type":"category"}],"slug":{"current":"celebrating-excellence-women-in-financial-advice-awards-2025","_type":"slug","_key":null},"_type":"post"},{"id":"-ae15f688-cf15-5d87-b191-78f288c67e1a","title":"Healthcare’s vital signs are improving","authors":[{"_key":"fa67e8e229a8","people":{"_id":"ca24dfbe-feec-4981-a059-6c54c57f13e6","id":"-38e64925-222e-5895-8518-f375a74a3bbd","name":"Polar Capital Global Healthcare Trust","image":null}}],"authorsText":[{"children":[{"text":"By Gareth Powell and James Douglas, Fund Managers","_type":"span","marks":["em"],"_key":"2446382a5662"}],"_type":"block","_key":"866f4b1104e6","style":"normal"}],"_updatedAt":"2025-11-21T11:34:20Z","publishedAt":"2025-11-13T11:23:10.824Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-620e04b5d00c622c8fdd39b268a6b5271416edb0-1920x1080-png"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"}],"slug":{"current":"healthcares-vital-signs-are-improving","_type":"slug","_key":null},"_type":"post"},{"id":"-cb6ba3b6-bdf4-514b-bfb4-aa2d289218a1","title":"Is Healthcare the Smart Complement to Tech?","authors":[{"_key":"b19185ec70ca","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"43ac957dbcb6"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"d39723e81c69"}],"_type":"block","_key":"866f4b1104e6","style":"normal"}],"_updatedAt":"2025-11-14T12:51:33Z","publishedAt":"2025-11-11T16:29:18.332Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-c88cc5f6a770ee9aa05630eb8f6485011574d384-1920x1080-png"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"}],"slug":{"current":"is-healthcare-the-smart-alternative-to-tech","_type":"slug","_key":null},"_type":"post"},{"id":"-80f5f32b-42dc-58b1-8ce0-8c04da15a66e","title":"Best-selling funds, Investment Trusts and ETFs of October 2025","authors":[{"_key":"43a98a4171e4","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"158ad2dd0887"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"dfd6013806a7"}],"_type":"block","_key":"2f7ff9d70343","style":"normal"}],"_updatedAt":"2025-11-11T17:03:23Z","publishedAt":"2025-11-11T14:33:51.300Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-3b77ffc6182f0081670db88fc2d10af9f8f13fbf-1920x1080-png"}},"categories":[{"_id":"5e617b0c-a279-402b-9c5b-455d4ba66303","title":"Product Performance - Best-selling funds, Investment Trusts and ETFs","_type":"category"},{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","title":"Funds","_type":"category"},{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"a9695476-b643-4a18-be2a-e8dbf3420afd","title":"ETFs","_type":"category"}],"slug":{"current":"bestselling-funds-investment-trusts-and-etfs-of-october-2025","_type":"slug","_key":null},"_type":"post"},{"id":"-f7786298-fb47-51d4-845b-1e1562b3dfbd","title":"3-2-1 - Dusty Bin! ","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-11-07T12:07:53Z","publishedAt":"2025-11-07T12:02:00.771Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-6fe0ee2844793a92cd727899b34006210adde323-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-3-2-1-dusty-bin","_type":"slug","_key":null},"_type":"post"},{"id":"-99381665-24e2-500f-941e-6b3eb17443f5","title":"Top Performing ETFs, Funds, and Investment Trusts | August - October 2025","authors":[{"_key":"43a98a4171e4","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"158ad2dd0887"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"dfd6013806a7"}],"_type":"block","_key":"2f7ff9d70343","style":"normal"}],"_updatedAt":"2025-11-20T10:15:31Z","publishedAt":"2025-11-07T11:46:16.198Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-652cc65bb4f9a4a9f2dcecfe3214cb0d2d231bdd-1920x1080-png"}},"categories":[{"_id":"c11f6dd3-c4fd-43bd-b895-7e9622c04b3b","title":"Product Performance - Top performing","_type":"category"},{"_id":"bdd905f3-7e9a-4c61-8966-ddae8f16ef17","title":"Product Performance","_type":"category"},{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","title":"Funds","_type":"category"},{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"a9695476-b643-4a18-be2a-e8dbf3420afd","title":"ETFs","_type":"category"}],"slug":{"current":"best-investment-returns-august-to-october-2025","_type":"slug","_key":null},"_type":"post"},{"id":"-b98024a7-bec0-5e10-8676-c3f5d0e34f31","title":"Stimulus and worshipping the turnip ","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-11-03T15:26:02Z","publishedAt":"2025-10-31T11:20:58.662Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-22ef95d9df88e3219a37f7e2a1f0066c18833494-1920x1080-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-Stimulus-and-worshipping-the-turnip","_type":"slug","_key":null},"_type":"post"},{"id":"-dfc2e8a9-897b-538f-87cd-6d0b7f77593c","title":"Salary Sacrifice Pensions Explained","authors":[{"_key":"129b176c62e7","people":{"_id":"5463a7bc-8888-4080-867d-4e5d46ffae3a","id":"-a3bbe0b5-03af-543c-a850-05a9ff630ddd","name":"Penfold","image":null}}],"authorsText":null,"_updatedAt":"2025-11-03T14:40:46Z","publishedAt":"2025-10-28T10:59:36.577Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-8bf6c152c2d71b07721c6418327e9f08e9b0f61c-1920x1080-png"}},"categories":[{"_id":"5699957f-e955-48ab-a5b6-3ffe97f5ca24","title":"Pensions - Workplace Pension","_type":"category"}],"slug":{"current":"salary-sacrifice-pensions-explained","_type":"slug","_key":null},"_type":"post"},{"id":"-29a62756-c051-5a53-92f7-445d97a3e23b","title":"Lionesses and Levers","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-10-24T13:19:11Z","publishedAt":"2025-10-24T11:23:12.466Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-d921866ab015d7fefeedf0d33a9751fc7b80cf18-800x450-jpg"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-Lionesses-and-Levers","_type":"slug","_key":null},"_type":"post"},{"id":"-f97e3c03-58cd-5176-a504-8865ea1c4b9d","title":"ISA vs Pension: Which is best to save for retirement?","authors":[{"_key":"f165ca19ac8a","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"b014e30c3413"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"2a3e7db9b3bb"}],"_type":"block","_key":"f25bd3211353","style":"normal"}],"_updatedAt":"2025-10-17T13:04:57Z","publishedAt":"2025-10-17T13:04:55.568Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-4c6b185a8c564261401cb1ce88f0dc5c5147015b-2880x1620-png"}},"categories":[{"_id":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","title":"Pensions","_type":"category"},{"_id":"56cb73af-6356-4d23-ba58-a4d5301e6f9b","title":"Retirement","_type":"category"},{"_id":"39d2ca7f-4862-4ab2-b902-0bf10f1d4c34","title":"ISA - Stocks and Shares ISA","_type":"category"},{"_id":"9449f276-851c-4943-a4de-3390e0ddb339","title":"ISA - Lifetime ISA","_type":"category"}],"slug":{"current":"isa-vs-pension-which-is-best-to-save-for-retirement","_type":"slug","_key":null},"_type":"post"},{"id":"-021d99b0-3636-5eba-980f-28526d2c1cf8","title":"Pension Transfers: Costs, Timings & How To Do It","authors":[{"_key":"6a20d497340a","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"980d13fedad1"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"d8ed09e81512"}],"_type":"block","_key":"18094a08cf40","style":"normal"}],"_updatedAt":"2025-10-17T13:03:36Z","publishedAt":"2025-10-17T13:02:28.565Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-ff4dff652a742eb1f178de73c8c73a674074bf9a-1920x1080-png"}},"categories":[{"_id":"b09bc8a1-3225-47eb-aa7d-538473acdb89","title":"Guide","_type":"category"},{"_id":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","title":"Pensions","_type":"category"},{"_id":"da38ee48-4ccb-4632-aed4-fae6aeb77b8c","title":"Pensions - Personal Pension","_type":"category"},{"_id":"e68f350a-e85b-44ee-8552-36c98d0639d1","title":"Pension Consolidation","_type":"category"}],"slug":{"current":"sipp-transfer-guide-how-to-switch-providers-and-maximize-your-pension","_type":"slug","_key":null},"_type":"post"},{"id":"-e157c4d7-9a02-576c-b7b6-a372248abdd7","title":"Are you in the Broad Shoulder Brigade?","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-10-17T12:10:15Z","publishedAt":"2025-10-17T11:55:48.656Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-1cb7c977e1ef3530407f040635275870d8e02bf9-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-are-you-in-the-broad-shoulder-brigade","_type":"slug","_key":null},"_type":"post"},{"id":"-bc0169bf-0f01-56d7-9cbf-8be5f3ad2e65","title":"Best performing ready-made solutions of July – September 2025","authors":[{"_key":"e46e7988e212","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"92b01a0993d3"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"c7bcc6b7dc60"}],"_type":"block","_key":"439a73a014f3","style":"normal"}],"_updatedAt":"2025-11-10T11:18:57Z","publishedAt":"2025-10-16T09:27:44.341Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-0d2f48ffaed211d4bbdce42a32d44bae803a2548-1920x1080-png"}},"categories":[{"_id":"a0233bcc-9945-4ded-b8db-d6a11bba1857","title":"Ready-Made Solutions","_type":"category"},{"_id":"bdd905f3-7e9a-4c61-8966-ddae8f16ef17","title":"Product Performance","_type":"category"},{"_id":"2b24e6f3-6040-4b22-9356-14184abc4876","title":"Performance - Ready Made solutions ","_type":"category"}],"slug":{"current":"best-performing-ready-made-solutions-of-july-september-2025","_type":"slug","_key":null},"_type":"post"},{"id":"-eb189e86-9030-5bcb-a0dd-d3907758dc04","title":"European Banking Sector: Attractive Valuations Persist After Strong Rally","authors":[{"_key":"dad90c308a64","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"fa952214846a"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"e55b39811e93"}],"_type":"block","_key":"5ada9a83196a","style":"normal"}],"_updatedAt":"2025-10-15T14:11:12Z","publishedAt":"2025-10-15T14:11:07.499Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-1e3602cb162e9db3647930f125b2c1bcaa252147-1920x1080-png"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"}],"slug":{"current":"european-banking-sector-attractive-valuations-persist-after-strong-rally","_type":"slug","_key":null},"_type":"post"},{"id":"-ef53cd75-ff88-5635-bbf0-9605e90ec70e","title":"Portfolio MOT: How to Protect (and Grow) Your Investments in 2025","authors":[{"_key":"e8d65fc903e6","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"72d223eebaa7"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"612b8c2a1874"}],"_type":"block","_key":"92a5d981b11f","style":"normal"}],"_updatedAt":"2026-03-30T11:12:50Z","publishedAt":"2025-10-10T15:28:18.320Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-ea3d3b16c7e848cad13fbeac707b4f2e807cdeae-1920x1080-png"}},"categories":[{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"},{"_id":"dd0844ff-d219-41f0-9006-8cc97e1faff1","title":"Tax","_type":"category"}],"slug":{"current":"spring-clean-your-investment-portfolio-a-2025-new-tax-year-mot","_type":"slug","_key":null},"_type":"post"},{"id":"-ff9ea03a-99bf-59a8-8e5a-dea1b2d2e5f1","title":"Crypto and crashes?","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-10-10T12:37:07Z","publishedAt":"2025-10-10T11:59:30.297Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-9ee7175d5eaa6a89820f73291fca2207e8a10353-960x540-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"324d60b8-6372-47d1-b157-ebe7973d8d81","title":"Bonds","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-crypto-and-crashes","_type":"slug","_key":null},"_type":"post"},{"id":"-2b37d984-e544-55f5-9f12-1d1192300960","title":"Best-selling funds, Investment Trusts and ETFs of September 2025","authors":[{"_key":"43a98a4171e4","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"158ad2dd0887"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"dfd6013806a7"}],"_type":"block","_key":"2f7ff9d70343","style":"normal"}],"_updatedAt":"2025-10-27T15:13:23Z","publishedAt":"2025-10-10T08:57:18.676Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-3b77ffc6182f0081670db88fc2d10af9f8f13fbf-1920x1080-png"}},"categories":[{"_id":"5e617b0c-a279-402b-9c5b-455d4ba66303","title":"Product Performance - Best-selling funds, Investment Trusts and ETFs","_type":"category"},{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","title":"Funds","_type":"category"},{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"a9695476-b643-4a18-be2a-e8dbf3420afd","title":"ETFs","_type":"category"}],"slug":{"current":"bestselling-funds-investment-trusts-and-etfs-of-september-2025","_type":"slug","_key":null},"_type":"post"},{"id":"-a6152076-56c0-5fd4-8715-5d7da6c266e5","title":"Future Stocks: Our best ideas in China","authors":[{"_key":"0aa69d5811b5","people":{"_id":"2c0a255d-4a0e-4268-bcb6-35a31153bc85","id":"-9e25b416-5b90-5e35-873e-00a07a6a81bd","name":"Baillie Gifford","image":null}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"a3d16527bad3"},{"text":"Ben Buckler","_type":"span","marks":["strong"],"_key":"b694edce3d64"},{"text":", Investment Specialist","_type":"span","marks":[],"_key":"e6a6e872ad21"}],"_type":"block","_key":"eeba079e4786","style":"normal"}],"_updatedAt":"2025-10-06T10:44:45Z","publishedAt":"2025-10-06T10:44:44.147Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-2c2f09e0f6d6853fd94088792dd3e704fb4449a2-1920x1080-png"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"}],"slug":{"current":"future-stocks-our-best-ideas-in-china","_type":"slug","_key":null},"_type":"post"},{"id":"-080ede2a-047e-5af3-931d-85409c40bc4b","title":"Trip notes: on the road with Baillie Gifford China Growth Trust","authors":[{"_key":"0aa69d5811b5","people":{"_id":"2c0a255d-4a0e-4268-bcb6-35a31153bc85","id":"-9e25b416-5b90-5e35-873e-00a07a6a81bd","name":"Baillie Gifford","image":null}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"a3d16527bad3"},{"text":"Sophie Earnshaw","_type":"span","marks":["strong"],"_key":"bb0312dc32a5"},{"text":", Joint Manager, ","_type":"span","marks":[],"_key":"c75fa9ea2957"},{"text":"Baillie Gifford China Growth Trust","_type":"span","marks":["90fb51b3a414"],"_key":"06f0f6669ec6"},{"text":", and ","_type":"span","marks":[],"_key":"8a82debddfbf"},{"text":"Nicholas Pink","_type":"span","marks":["strong"],"_key":"ed7ed28eff8c"},{"text":", Chair, ","_type":"span","marks":[],"_key":"6fc9abdf15cc"},{"text":"Baillie Gifford China Growth Trust","_type":"span","marks":["d951056acf67"],"_key":"c8e08021d6c6"}],"_type":"block","_key":"eeba079e4786","style":"normal"}],"_updatedAt":"2025-10-06T10:44:32Z","publishedAt":"2025-10-06T10:44:31.431Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-6eaec5068dfa64662a3a6f1a8e5433160b602470-1920x1080-png"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"}],"slug":{"current":"trip-notes-on-the-road-with-baillie-gifford-china-growth-trust","_type":"slug","_key":null},"_type":"post"},{"id":"-84b8afb2-aa37-5414-b929-e86b1af28f18","title":"Pension, Badgers, Nutmeg and Covid","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-10-03T11:27:10Z","publishedAt":"2025-10-03T11:27:09.382Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-1fb53ff46239c0ca690518078c723fab441985f5-800x450-jpg"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"324d60b8-6372-47d1-b157-ebe7973d8d81","title":"Bonds","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-pension-badgers-nutmeg-and-covid","_type":"slug","_key":null},"_type":"post"},{"id":"-1b61c581-f946-5775-ad5c-d019d0b64700","title":"Are you wiggy enough???","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-10-10T11:06:36Z","publishedAt":"2025-09-26T11:39:12.768Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-0eafdc5ef9b76a1cda752e6f3145c23cf6caf497-960x540-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-are-you-wiggy-enough","_type":"slug","_key":null},"_type":"post"},{"id":"-eb6998dc-57bb-54df-af96-fe7415e3b185","title":"Best Investment Trusts to Have in a Pension","authors":[{"_key":"412e0451f6ab","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"e60d937b295e"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"92a3f10a62b8"}],"_type":"block","_key":"a6ac2d298b0f","style":"normal"}],"_updatedAt":"2025-11-21T11:37:09Z","publishedAt":"2025-09-25T13:02:37.436Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-7f2cb6a5f6dc5fa01ceb5319cd8c365f40765fe6-1920x1080-png"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","title":"Pensions","_type":"category"}],"slug":{"current":"best-investment-trusts-to-have-in-a-pension","_type":"slug","_key":null},"_type":"post"},{"id":"-6e245247-cb19-5867-a414-0f6fb56c81a9","title":"India: Does tariff turmoil matter for markets?","authors":[{"_key":"db8d01bef8d2","people":{"_id":"7077a1a2-a2ca-4952-87e2-5e9e4f1a41d0","id":"-617cf664-86af-592f-b9f3-b718bbf40457","name":"Aberdeen","image":null}}],"authorsText":[{"children":[{"text":"Sponsored by ","_type":"span","marks":[],"_key":"105b55fc160d"},{"text":"Aberdeen","_type":"span","marks":["strong"],"_key":"3e3788c508f0"}],"_type":"block","_key":"f80745051b64","style":"normal"}],"_updatedAt":"2025-09-25T10:24:00Z","publishedAt":"2025-09-25T10:23:58.701Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-d520167413563e7ec1b8242fe90ffe381e94443d-1920x1080-png"}},"categories":[{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"},{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"}],"slug":{"current":"india-does-tariff-turmoil-matter-for-markets","_type":"slug","_key":null},"_type":"post"},{"id":"-e3749070-f3c8-5249-a398-2c722f0b36a1","title":"Green shoots and shifting sentiment – why UK equities deserve a closer look","authors":[{"_key":"a8afa1b6a4bd","people":{"_id":"b218a8e1-67aa-4c7e-ab58-c20b47555fa4","id":"-72a180bb-46f5-54f9-a02d-3c5458b13868","name":"Schroders","image":null}}],"authorsText":[{"children":[{"text":"Sponsored by ","_type":"span","marks":[],"_key":"a4b727eab930"},{"text":"Schroders","_type":"span","marks":["strong"],"_key":"c923bb03ae19"}],"_type":"block","_key":"07a2cdfbeeb9","style":"normal"}],"_updatedAt":"2025-10-31T15:41:42Z","publishedAt":"2025-09-24T15:45:17.397Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-60f3ca39a43fd0dc60b941654d224de947f5c6b9-1920x1080-png"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"}],"slug":{"current":"green-shoots-and-shifting-sentiment-why-uk-equities-deserve-a-closer-look","_type":"slug","_key":null},"_type":"post"},{"id":"-682d101c-72ba-5a9d-9686-be4e14db1f76","title":"The age of resilience: outperformers must first be survivors","authors":[{"_key":"0051a33ee7df","people":{"_id":"2c0a255d-4a0e-4268-bcb6-35a31153bc85","id":"-9e25b416-5b90-5e35-873e-00a07a6a81bd","name":"Baillie Gifford","image":null}}],"authorsText":[{"children":[{"text":"Written by","_type":"span","marks":[],"_key":"38620f3a581f"},{"text":" Tom Slater, ","_type":"span","marks":["strong"],"_key":"ffbcf8c73ad1"},{"text":"Manager, Scottish Mortgage Investment Trust","_type":"span","marks":[],"_key":"e434e3db602a"}],"_type":"block","_key":"e3431e29dda1","style":"normal"}],"_updatedAt":"2025-09-30T12:12:03Z","publishedAt":"2025-09-23T09:59:48.068Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-bf9d32fa9f7d3f530d61e702fa73173b4a746dc0-1920x1080-png"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"}],"slug":{"current":"the-age-of-resilience-outperformers-must-first-be-survivors","_type":"slug","_key":null},"_type":"post"},{"id":"-41d51adb-e125-52dc-9240-0d9ef1367e92","title":"Pension FAQs: Your Top 10 Questions Answered","authors":[{"_key":"b035f438b113","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By","_type":"span","marks":[],"_key":"9fba30b34af2"},{"text":" Boring Money","_type":"span","marks":["strong"],"_key":"3791b69649ed"}],"_type":"block","_key":"ee192e226188","style":"normal"}],"_updatedAt":"2026-03-30T08:51:22Z","publishedAt":"2025-09-19T15:59:39.879Z","mainImage":{"blankAltTag":null,"crop":null,"hotspot":null,"asset":{"_id":"image-053fae39c8d6fedee04370b9fab3a5b519d86a05-1920x1080-png"}},"categories":[{"_id":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","title":"Pensions","_type":"category"},{"_id":"56cb73af-6356-4d23-ba58-a4d5301e6f9b","title":"Retirement","_type":"category"},{"_id":"fff51cef-154f-46d3-b788-5a9a0cd39896","title":"Reader Questions - Pensions","_type":"category"}],"slug":{"current":"pension-faqs-your-top-10-questions-answered","_type":"slug","_key":null},"_type":"post"},{"id":"-5aceacf1-1515-5081-8969-9194f91c9529","title":"Stock market highs, a bleak Budget and watercress panna cotta","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-09-19T11:47:13Z","publishedAt":"2025-09-19T11:47:12.337Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-8e5180f342923fd398dacf3579ff21ce911d7bd7-960x540-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-stock-market-highs-a-bleak-budget-and-watercress-panna-cotta","_type":"slug","_key":null},"_type":"post"},{"id":"-0a27326d-2551-59d7-9d82-cb1e16976103","title":"Why “Peak Fear” Is A Prime Opportunity For The Healthcare Sector","authors":[{"_key":"b19185ec70ca","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"43ac957dbcb6"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"d39723e81c69"}],"_type":"block","_key":"866f4b1104e6","style":"normal"}],"_updatedAt":"2025-09-19T14:24:58Z","publishedAt":"2025-09-18T14:20:29.489Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-04bb94479dfe5042a634857a5b7af6e884297fa5-1920x1080-png"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"}],"slug":{"current":"why-peak-fear-is-a-prime-opportunity-for-the-healthcare-sector","_type":"slug","_key":null},"_type":"post"},{"id":"-3def13d7-a20f-5d68-9bf2-88e061e08ba6","title":"Biggest Financial Mistakes to Avoid in Retirement","authors":[{"_key":"22950a38b1cd","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"4a04a450c93e"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"ae98622436f1"}],"_type":"block","_key":"ed639c3e9990","style":"normal"}],"_updatedAt":"2026-03-30T11:19:12Z","publishedAt":"2025-09-18T08:26:18.270Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-dd5eab19c6f9e881a55388becc087db64caa8465-1920x1080-png"}},"categories":[{"_id":"56cb73af-6356-4d23-ba58-a4d5301e6f9b","title":"Retirement","_type":"category"}],"slug":{"current":"five-biggest-financial-mistakes-to-avoid-in-retirement","_type":"slug","_key":null},"_type":"post"},{"id":"-c9965dfd-9f06-5316-857e-3c1bc75eccad","title":"Is It Too Late to Buy Gold? Why Investors Are Piling In","authors":[{"_key":"56db84f6d646","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"d2036388320a"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"9dd356f58e66"}],"_type":"block","_key":"5deb554a3986","style":"normal"}],"_updatedAt":"2025-10-09T11:10:04Z","publishedAt":"2025-09-17T14:57:20.959Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-a12f1d571203360debcacdc8365cb5886066d368-1920x1080-png"}},"categories":[{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"is-it-too-late-to-buy-gold-why-investors-are-piling-in","_type":"slug","_key":null},"_type":"post"},{"id":"-c68b6541-a2bd-5bae-a945-561b70b1dd66","title":"Tax, Savings And Investing Calculators To Manage Your Money","authors":[{"_key":"9539becad2bb","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"e88cc2ab94d4"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"b44bec231a90"}],"_type":"block","_key":"e866e0cddec9","style":"normal"}],"_updatedAt":"2025-09-25T13:39:07Z","publishedAt":"2025-09-17T09:07:21.031Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-45df7f07293566386adec360e16fd7473645df2c-2880x1620-png"}},"categories":[{"_id":"dd0844ff-d219-41f0-9006-8cc97e1faff1","title":"Tax","_type":"category"},{"_id":"5ef54f52-49d3-4a77-a9e1-085e5488e421","title":"Budgeting","_type":"category"},{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"}],"slug":{"current":"pensions-taxes-and-savings-calculators","_type":"slug","_key":null},"_type":"post"},{"id":"-82e9545b-a46c-5dc7-9b61-8695d795228c","title":"Here come the LTAFs...","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-09-12T12:19:25Z","publishedAt":"2025-09-12T11:59:28.637Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-bb0a84d702e02ba93ddbcc4c143471cc7ae9fe76-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-here-come-the-ltafs","_type":"slug","_key":null},"_type":"post"},{"id":"-97cf4ac2-65fe-5fb5-be86-1ce4ef51ea01","title":"Best-selling funds, Investment Trusts and ETFs of August 2025","authors":[{"_key":"43a98a4171e4","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"158ad2dd0887"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"dfd6013806a7"}],"_type":"block","_key":"2f7ff9d70343","style":"normal"}],"_updatedAt":"2025-10-08T09:30:30Z","publishedAt":"2025-09-11T09:19:41.753Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-81b9f732ebd3c2d4d829653bd6332e0dea8a43b9-1920x1080-png"}},"categories":[{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","title":"Funds","_type":"category"},{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"a9695476-b643-4a18-be2a-e8dbf3420afd","title":"ETFs","_type":"category"},{"_id":"5e617b0c-a279-402b-9c5b-455d4ba66303","title":"Product Performance - Best-selling funds, Investment Trusts and ETFs","_type":"category"}],"slug":{"current":"bestselling-funds-investment-trusts-and-etfs-of-august-2025","_type":"slug","_key":null},"_type":"post"},{"id":"-e9358980-c910-550a-92cc-2aab31fce918","title":"Gilty Pleasures","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-09-29T12:36:10Z","publishedAt":"2025-09-05T11:57:57.919Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-da21105ee66f15bf6871b07f798fa40aaf48ec68-960x540-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"},{"_id":"324d60b8-6372-47d1-b157-ebe7973d8d81","title":"Bonds","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-gilty-pleasures","_type":"slug","_key":null},"_type":"post"},{"id":"-f59f8a6f-bb98-56a6-93a1-b333b2478029","title":"Baillie Gifford Managed Fund: our 7 most exciting growth picks","authors":[{"_key":"9b9001e6c56a","people":{"_id":"2c0a255d-4a0e-4268-bcb6-35a31153bc85","id":"-9e25b416-5b90-5e35-873e-00a07a6a81bd","name":"Baillie Gifford","image":null}}],"authorsText":[{"children":[{"text":"Sponsored by ","_type":"span","marks":[],"_key":"a4b727eab930"},{"text":"Baillie Gifford","_type":"span","marks":["strong"],"_key":"c923bb03ae19"}],"_type":"block","_key":"07a2cdfbeeb9","style":"normal"}],"_updatedAt":"2025-09-29T12:37:20Z","publishedAt":"2025-09-01T09:31:01.703Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-6de1a35176ebf5c12fcd949ac5a18196f821e411-1920x1080-png"}},"categories":[{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","title":"Funds","_type":"category"},{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"},{"_id":"324d60b8-6372-47d1-b157-ebe7973d8d81","title":"Bonds","_type":"category"}],"slug":{"current":"baillie-gifford-managed-fund-our-7-most-exciting-growth-picks","_type":"slug","_key":null},"_type":"post"},{"id":"-9e3185d6-08e5-53db-b2bc-9aa4caebd522","title":"Investing in Tech: What DeepSeek, AI Growth, and Trump’s Trade Wars Mean for 2025","authors":[{"_key":"d5b9a1e4d87b","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"3640c66394c1"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"1bf6c5b72c3b"}],"_type":"block","_key":"e3491cf2950b","style":"normal"}],"_updatedAt":"2025-08-29T13:32:27Z","publishedAt":"2025-08-29T13:32:19.270Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-58f27f54a7f78555ee1929ca721c247efed49ae2-552x312-png"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"}],"slug":{"current":"investing-in-tech-what-deepseek-ai-growth-and-trumps-trade-wars-mean-for-2025","_type":"slug","_key":null},"_type":"post"},{"id":"-8afb8d16-8e3c-5872-822b-ce42665dc53b","title":"The UK Retirement Story: Five Pension Points for 2025","authors":[{"_key":"3b534b290858","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By","_type":"span","marks":[],"_key":"126ec92ba4a5"},{"text":" Boring Money","_type":"span","marks":["strong"],"_key":"129425011b5c"}],"_type":"block","_key":"50a83b0ed0ac","style":"normal"}],"_updatedAt":"2026-03-30T11:23:52Z","publishedAt":"2025-08-22T11:09:11.203Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-9fadd54ec7b1bc579f2519bf8be53ce47d2e611f-1920x1080-png"}},"categories":[{"_id":"56cb73af-6356-4d23-ba58-a4d5301e6f9b","title":"Retirement","_type":"category"},{"_id":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","title":"Pensions","_type":"category"}],"slug":{"current":"the-uk-retirement-story-five-points-on-pensions","_type":"slug","_key":null},"_type":"post"},{"id":"-daacdc6e-a6e4-5f36-a2e0-0ff0968471b8","title":"Which funds are everyone else buying?","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-08-15T11:32:25Z","publishedAt":"2025-08-15T10:29:05.031Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-120bb8a484eb0fbcce7e816a5f7415929988bb99-800x450-jpg"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-which-funds-are-everyone-else-buying","_type":"slug","_key":null},"_type":"post"},{"id":"-2ca8c676-c408-5945-8d59-c6ad41d9e4be","title":"Top Performing ETFs, Funds, and Investment Trusts | May - July 2025","authors":[{"_key":"43a98a4171e4","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"158ad2dd0887"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"dfd6013806a7"}],"_type":"block","_key":"2f7ff9d70343","style":"normal"}],"_updatedAt":"2025-11-10T11:14:00Z","publishedAt":"2025-08-14T10:18:56.292Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-6158ab47a254005647523548b58e8416fcf6b89e-1920x1080-png"}},"categories":[{"_id":"bdd905f3-7e9a-4c61-8966-ddae8f16ef17","title":"Product Performance","_type":"category"},{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","title":"Funds","_type":"category"},{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"a9695476-b643-4a18-be2a-e8dbf3420afd","title":"ETFs","_type":"category"},{"_id":"c11f6dd3-c4fd-43bd-b895-7e9622c04b3b","title":"Product Performance - Top performing","_type":"category"}],"slug":{"current":"best-investment-returns-may-to-july-2025","_type":"slug","_key":null},"_type":"post"},{"id":"-8c7a86e8-6bca-51d5-8fce-2cbe436023b9","title":"Investing in Financials: The Case for Active Management in 2025","authors":[{"_key":"dad90c308a64","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"fa952214846a"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"e55b39811e93"}],"_type":"block","_key":"5ada9a83196a","style":"normal"}],"_updatedAt":"2025-08-12T16:02:07Z","publishedAt":"2025-08-12T16:01:25.096Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-d70eed186f8902fa5ced4e8a42c8b75f11b5d7b4-496x280-png"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"}],"slug":{"current":"investing-in-financials-the-case-for-active-management-in-2025","_type":"slug","_key":null},"_type":"post"},{"id":"-34d18c12-11cf-5db7-b4b0-b0fe778a404b","title":"Best-selling funds, Investment Trusts and ETFs of July 2025","authors":[{"_key":"43a98a4171e4","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"158ad2dd0887"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"dfd6013806a7"}],"_type":"block","_key":"2f7ff9d70343","style":"normal"}],"_updatedAt":"2025-10-08T09:41:00Z","publishedAt":"2025-08-12T15:17:36.080Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-d7ba0061517973f8db7c47cd14afc05f8e055971-1920x1080-png"}},"categories":[{"_id":"bdd905f3-7e9a-4c61-8966-ddae8f16ef17","title":"Product Performance","_type":"category"},{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","title":"Funds","_type":"category"},{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"a9695476-b643-4a18-be2a-e8dbf3420afd","title":"ETFs","_type":"category"},{"_id":"5e617b0c-a279-402b-9c5b-455d4ba66303","title":"Product Performance - Best-selling funds, Investment Trusts and ETFs","_type":"category"}],"slug":{"current":"bestselling-funds-investment-trusts-and-etfs-of-july-2025","_type":"slug","_key":null},"_type":"post"},{"id":"-5a011858-49c6-5b40-be92-0556f74bd27d","title":"Is the UK now a natural hunting ground for investors?","authors":[{"_key":"f3bcb0d7cbbc","people":{"_id":"9c978450-2df4-454f-a1f5-4bcba7d72444","id":"-11e460d8-ea70-5346-aa9e-06e4f6b8b1df","name":"Aberdeen","image":null}}],"authorsText":[{"children":[{"text":"Sponsored by ","_type":"span","marks":[],"_key":"1c5cdf31e60d"},{"text":"Aberdeen","_type":"span","marks":["strong","335cd4828d37"],"_key":"66211223efbc"},{"text":", ","_type":"span","marks":["strong"],"_key":"01f185aed2f5"},{"text":"written by","_type":"span","marks":[],"_key":"116377e00a43"},{"text":" Rebecca Maclean","_type":"span","marks":["strong"],"_key":"ecb19ee864c7"},{"text":", Co-Manager, ","_type":"span","marks":[],"_key":"5bd1bccbeb1e"},{"text":"Dunedin Income Growth Investment Trust","_type":"span","marks":["6a0779eab1f7"],"_key":"9fbd95cf81e6"}],"_type":"block","_key":"b296d46ab86a","style":"normal"}],"_updatedAt":"2025-08-12T10:14:59Z","publishedAt":"2025-08-12T10:14:57.947Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-dfa63963313b7917fc902ea933ab6fa0971b8a72-1920x1080-png"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"}],"slug":{"current":"is-the-uk-now-a-natural-hunting-ground-for-investors","_type":"slug","_key":null},"_type":"post"},{"id":"-6c63bcef-7360-5e1f-9612-71df5dac313e","title":"Q2 2025 Earnings Analysis: 5 Key Investment Lessons from US Tech Surge vs European Struggles","authors":[{"_key":"ab73c4242582","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By","_type":"span","marks":[],"_key":"63fbc7807339"},{"text":" Boring Money","_type":"span","marks":["strong"],"_key":"a8f6b48f2f43"}],"_type":"block","_key":"b8385844f789","style":"normal"}],"_updatedAt":"2025-08-11T10:26:25Z","publishedAt":"2025-08-11T10:26:13.024Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-e1a4907245f2f1943e8fd11b09e35fb0783d48db-1920x1080-png"}},"categories":[{"_id":"bdd905f3-7e9a-4c61-8966-ddae8f16ef17","title":"Product Performance","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"q2-2025-earnings-analysis-5-key-investment-lessons-from-us-tech-surge-vs-european-struggles","_type":"slug","_key":null},"_type":"post"},{"id":"-3ef3ef92-38e9-516d-b188-f5ec6e06ee8c","title":"Interest rates, Go Blighty and Krispy Kremes","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-08-08T11:37:56Z","publishedAt":"2025-08-08T11:37:55.218Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-224b69b5ff1efed9bfc751e1e073132e9de62504-800x450-jpg"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-interest-rates-go-blighty-and-krispy-kreme","_type":"slug","_key":null},"_type":"post"},{"id":"-eea40f72-1edb-5456-b96d-5c0fedbc5c53","title":"How much is in your workplace pension?","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-08-14T14:41:05Z","publishedAt":"2025-08-01T10:57:35.687Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-7cad75e852b2127bec99d6271cc815025f23f3c5-800x450-jpg"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-how-much-is-in-your-workplace-pension","_type":"slug","_key":null},"_type":"post"},{"id":"-4125b5f5-543e-5ae0-9de8-c3a026ee70c2","title":"Invesco Global Equity Income Trust: Building a resilient investment strategy","authors":[{"_key":"16e5394b8256","people":{"_id":"669640ea-1073-4d4a-9bbf-36603f43c125","id":"-f08dd026-6413-5c66-83ad-3c961f0efc64","name":"Invesco","image":null}}],"authorsText":[{"children":[{"text":"Sponsored by ","_type":"span","marks":[],"_key":"d32232194d9e"},{"text":"Invesco","_type":"span","marks":["strong","7e3fcba5da0c"],"_key":"8994ed3bf696"},{"text":", written by Stephen Anness, Portfolio Manager, and Joe Dowling, Deputy Portfolio Manager","_type":"span","marks":[],"_key":"b426c0a794b1"}],"_type":"block","_key":"28be09cba851","style":"normal"}],"_updatedAt":"2025-07-29T14:53:55Z","publishedAt":"2025-07-29T14:53:45.008Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-83cbbc9130a0e4fedd4efb703ceeb157c7e33bb4-1920x1080-png"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"}],"slug":{"current":"invesco-global-equity-income-trust-building-a-resilient-investment-strategy","_type":"slug","_key":null},"_type":"post"},{"id":"-6b1b8b4d-aaf0-501f-843d-d8ca43520e3e","title":"Emerging markets: a game of two halves","authors":[{"_key":"104dc7c86c3a","people":{"_id":"9c978450-2df4-454f-a1f5-4bcba7d72444","id":"-11e460d8-ea70-5346-aa9e-06e4f6b8b1df","name":"Aberdeen","image":null}}],"authorsText":[{"children":[{"text":"Sponsored by ","_type":"span","marks":[],"_key":"1f4d668ec0c3"},{"text":"Aberdeen","_type":"span","marks":["strong","e9d32223d18e"],"_key":"68aae40c5703"}],"_type":"block","_key":"5d8fa194831f","style":"normal"}],"_updatedAt":"2025-07-28T11:17:09Z","publishedAt":"2025-07-28T11:17:07.867Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-e60419a26715572e844b5f9dd6ca67f4cb6371ac-1920x1080-png"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"}],"slug":{"current":"emerging-markets-a-game-of-two-halves","_type":"slug","_key":null},"_type":"post"},{"id":"-800ab15d-834e-5040-8e41-0179231bf9a6","title":"Top performing investment collections ","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-07-25T12:04:37Z","publishedAt":"2025-07-25T11:36:23.708Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-8fd7a87bd4231da84b2620b0d8cfa558705c64fb-1920x1080-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-Top-performing-investment-collections","_type":"slug","_key":null},"_type":"post"},{"id":"-f690be66-3b5a-5215-ba49-593e5f98cdb3","title":"Advice fees, SJP and Snap Sid","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-11-04T13:03:24Z","publishedAt":"2025-07-18T09:15:23.863Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-43b48532c6760e3b9df653fc3571a183059737cc-800x450-jpg"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-advice-fees-sjp-and-snap-sid","_type":"slug","_key":null},"_type":"post"},{"id":"-b2e563de-c169-57e7-b91d-155121263995","title":"Understanding the value of high-yield bonds","authors":[{"_key":"b9245522b9f7","people":{"_id":"669640ea-1073-4d4a-9bbf-36603f43c125","id":"-f08dd026-6413-5c66-83ad-3c961f0efc64","name":"Invesco","image":null}}],"authorsText":[{"children":[{"text":"Sponsored by ","_type":"span","marks":[],"_key":"7a8140b5befe"},{"text":"Invesco","_type":"span","marks":["strong","7cabd5b4de7d"],"_key":"6d865a44814a"}],"_type":"block","_key":"f8164da97579","style":"normal"}],"_updatedAt":"2025-07-17T13:25:45Z","publishedAt":"2025-07-17T13:25:44.553Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-f0d8ea83307816d0942ae1aec329535091e7ba5f-1920x1080-png"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"324d60b8-6372-47d1-b157-ebe7973d8d81","title":"Bonds","_type":"category"},{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"}],"slug":{"current":"understanding-the-value-of-highyield-bonds","_type":"slug","_key":null},"_type":"post"},{"id":"-7ac14a0d-fc4d-517f-8583-756f8380493a","title":"Best performing ready-made solutions of April – June 2025","authors":[{"_key":"e46e7988e212","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"92b01a0993d3"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"c7bcc6b7dc60"}],"_type":"block","_key":"439a73a014f3","style":"normal"}],"_updatedAt":"2025-11-10T11:19:15Z","publishedAt":"2025-07-16T13:19:29.332Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-ee4205fba884c8ab6ee3b2bde49f477bfa3cf4f6-1920x1080-png"}},"categories":[{"_id":"a0233bcc-9945-4ded-b8db-d6a11bba1857","title":"Ready-Made Solutions","_type":"category"},{"_id":"2b24e6f3-6040-4b22-9356-14184abc4876","title":"Performance - Ready Made solutions ","_type":"category"}],"slug":{"current":"best-performing-ready-made-solutions-of-april-june-2025","_type":"slug","_key":null},"_type":"post"},{"id":"-eaf87822-c60b-5583-9b11-d313595e01b1","title":"Teapot Triumphs and Space Shares Soar","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-07-11T11:44:24Z","publishedAt":"2025-07-11T11:24:24.497Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-c3faf33277a648856fc05c05c49671b5755c79a2-960x540-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-teapot-triumphs-and-space-shares-soar","_type":"slug","_key":null},"_type":"post"},{"id":"-9ad4b8f6-302f-5dee-af84-d6fd8ab818dd","title":"Best-selling funds, Investment Trusts and ETFs of June 2025","authors":[{"_key":"43a98a4171e4","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"158ad2dd0887"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"dfd6013806a7"}],"_type":"block","_key":"2f7ff9d70343","style":"normal"}],"_updatedAt":"2025-10-08T09:47:14Z","publishedAt":"2025-07-11T09:17:23.286Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-b273db84199caf970425757a8a350ecb5173c64f-1920x1080-png"}},"categories":[{"_id":"bdd905f3-7e9a-4c61-8966-ddae8f16ef17","title":"Product Performance","_type":"category"},{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","title":"Funds","_type":"category"},{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"a9695476-b643-4a18-be2a-e8dbf3420afd","title":"ETFs","_type":"category"}],"slug":{"current":"bestselling-funds-investment-trusts-and-etfs-of-june-2025","_type":"slug","_key":null},"_type":"post"},{"id":"-c89e5f4c-8e5a-5307-81fc-f0af962486a6","title":"Oil Price Volatility: What It Means for Global Markets and Investors","authors":[{"_key":"588ebe366674","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By","_type":"span","marks":[],"_key":"a09869ba0916"},{"text":" Boring Money","_type":"span","marks":["strong"],"_key":"7bb0ea285868"}],"_type":"block","_key":"aa5f06f33e4d","style":"normal"}],"_updatedAt":"2025-07-08T08:21:55Z","publishedAt":"2025-07-08T08:21:53.304Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-251f2d9ae282d7fdc765c8c61ba102ab82f18831-1920x1080-png"}},"categories":[{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"},{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"}],"slug":{"current":"oil-price-volatility-what-it-means-for-global-markets-and-investors","_type":"slug","_key":null},"_type":"post"},{"id":"-ac72f646-316d-558a-ba63-0123d81516cc","title":"How to Make Your Retirement Money Last: 4 Top Tips","authors":[{"_key":"d82e71d8c461","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"1f47ee504049"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"a72782180c4e"}],"_type":"block","_key":"2805d2f12fd2","style":"normal"}],"_updatedAt":"2025-07-07T12:27:28Z","publishedAt":"2025-07-07T12:27:26.545Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-38d80957f8094b5843ff5dea78c8a800a76e2d0d-3840x2160-png"}},"categories":[{"_id":"56cb73af-6356-4d23-ba58-a4d5301e6f9b","title":"Retirement","_type":"category"},{"_id":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","title":"Pensions","_type":"category"}],"slug":{"current":"how-to-make-your-money-last-in-retirement","_type":"slug","_key":null},"_type":"post"},{"id":"-c6af886a-614d-5968-b939-f2eabb7bcfa2","title":"A year, a tear and tax rise fear","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-07-04T12:07:40Z","publishedAt":"2025-07-04T11:32:34.717Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-d7598a27c25c25ab5d044aa5b78dd3e5b27235f2-1920x1080-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-a-year-a-tear-and-a-tax-rise-fear","_type":"slug","_key":null},"_type":"post"},{"id":"-00392679-9d6a-5ada-8387-8ef12f660bce","title":"Saving vs Investing: Which Is Best for You?","authors":[{"_key":"e8fd5d3e4ab6","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"0cb3de3d71b0"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"45e17ca75c72"}],"_type":"block","_key":"c3e7c9394751","style":"normal"}],"_updatedAt":"2026-03-27T14:05:46Z","publishedAt":"2025-07-03T14:11:37.478Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-95f62eb139c5fdde0981a80aa96683741f7b302f-3333x1875-png"}},"categories":[{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"},{"_id":"4a25f745-db82-4535-bd37-d484a6c8b8d7","title":"Savings","_type":"category"},{"_id":"73fddf86-91d0-45eb-adf5-638de6442300","title":"ISAs","_type":"category"}],"slug":{"current":"saving-vs-investing-3-things-to-consider-before-you-choose","_type":"slug","_key":null},"_type":"post"},{"id":"-39aa2bc4-a83c-51b1-980a-0bd4ba4d50d5","title":"Why Mummy has to sometimes use strong language","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2026-03-30T10:32:43Z","publishedAt":"2025-06-27T11:59:44.729Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-4dfa6a4ed58d78a691d0e9f13bcf28da59619fac-1920x1080-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-why-mummy-has-to-sometimes-use-strong-language","_type":"slug","_key":null},"_type":"post"},{"id":"-59377460-781b-5169-a2f9-1ec7a176e158","title":"The Ultimate Guide to Inheritance Tax in the UK: Allowances, Exemptions and Planning Tips","authors":[{"_key":"f07f32d801c3","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"cc809d3f8fac"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"a6b59b3a5a3a"}],"_type":"block","_key":"0fbd33a32b8a","style":"normal"}],"_updatedAt":"2026-03-25T11:18:23Z","publishedAt":"2025-06-20T15:31:56.328Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-a43da241009905ea718a55f98fdd91866195c815-2880x1620-png"}},"categories":[{"_id":"dd0844ff-d219-41f0-9006-8cc97e1faff1","title":"Tax","_type":"category"},{"_id":"161c09a5-00b8-40b8-b40a-55ca3241f4e2","title":"Inheritance","_type":"category"},{"_id":"b09bc8a1-3225-47eb-aa7d-538473acdb89","title":"Guide","_type":"category"}],"slug":{"current":"inheritance-tax","_type":"slug","_key":null},"_type":"post"},{"id":"-5511f4fd-d3ad-5850-95b7-499237e85c19","title":"Oil, rosé and guessing games","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-06-20T11:34:22Z","publishedAt":"2025-06-20T11:34:21.979Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-9204bf992e0dcecc12ea615e73c5e94953a8eca8-6000x3375-jpg"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-oil-rose-and-guessing-games","_type":"slug","_key":null},"_type":"post"},{"id":"-22533dac-b032-5447-85b6-e4ac2d91a1b1","title":"Start Saving for Retirement: 5 Essential Steps for Young Savers","authors":[{"_key":"05984c881e01","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"65a270251130"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"5541b8d5563f"}],"_type":"block","_key":"d57f61d163cb","style":"normal"}],"_updatedAt":"2025-06-19T13:23:35Z","publishedAt":"2025-06-19T13:23:30.713Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-449a5717e0bf5e865dea5f02cd0490cf465fd871-1920x1080-png"}},"categories":[{"_id":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","title":"Pensions","_type":"category"},{"_id":"b09bc8a1-3225-47eb-aa7d-538473acdb89","title":"Guide","_type":"category"}],"slug":{"current":"pension-prep-5-things-to-do-when-youre-starting-out","_type":"slug","_key":null},"_type":"post"},{"id":"-7e8ec1d8-a36b-58bb-94e1-6c6eff75a56d","title":"Innovation and growth: An investment case for Asia","authors":[{"_key":"df681e284585","people":{"_id":"669640ea-1073-4d4a-9bbf-36603f43c125","id":"-f08dd026-6413-5c66-83ad-3c961f0efc64","name":"Invesco","image":null}}],"authorsText":[{"children":[{"text":"Sponsored by ","_type":"span","marks":[],"_key":"2afce310b9f8"},{"text":"Invesco","_type":"span","marks":["strong","a87330011992"],"_key":"7419773b5b60"}],"_type":"block","_key":"da589f464e17","style":"normal"}],"_updatedAt":"2025-06-18T08:52:20Z","publishedAt":"2025-06-18T08:52:09.753Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-e0f702ef96126fef2fcc4a6e25f186d0af99ca29-1920x1080-png"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"}],"slug":{"current":"innovation-and-growth-an-investment-case-for-asia","_type":"slug","_key":null},"_type":"post"},{"id":"-5e7390da-f2a1-5bce-8900-086f6370a937","title":"How to Prepare for Retirement in the UK: 5 Expert Tips","authors":[{"_key":"daaaf663f5e8","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"65a270251130"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"5541b8d5563f"}],"_type":"block","_key":"d57f61d163cb","style":"normal"}],"_updatedAt":"2026-03-30T08:34:40Z","publishedAt":"2025-06-17T14:37:48.175Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-b7855dab5d8b31d2e776f4b27cd0f6e3b5d548dc-3333x1875-png"}},"categories":[{"_id":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","title":"Pensions","_type":"category"},{"_id":"56cb73af-6356-4d23-ba58-a4d5301e6f9b","title":"Retirement","_type":"category"}],"slug":{"current":"pension-prep-5-things-to-do-when-nearing-retirement","_type":"slug","_key":null},"_type":"post"},{"id":"-40343470-0934-59e4-8ff7-d436dfda4faf","title":"Oil, shares and #pensionsnotprimer","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-06-13T11:02:12Z","publishedAt":"2025-06-13T10:58:58.882Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-af338df19e8ac4bf6f4dacedf7deeeb60492046b-6000x3375-jpg"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-oil-shares-and-pensions-not-primer","_type":"slug","_key":null},"_type":"post"},{"id":"-96dbfca5-bbfc-59e8-90c4-528be49db6d0","title":"Best-selling funds, Investment Trusts and ETFs of May 2025","authors":[{"_key":"43a98a4171e4","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"158ad2dd0887"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"dfd6013806a7"}],"_type":"block","_key":"2f7ff9d70343","style":"normal"}],"_updatedAt":"2025-10-08T09:44:22Z","publishedAt":"2025-06-10T13:51:29.643Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-5fd3234a3b993918a6270f04566671b9e4cadbce-1920x1080-png"}},"categories":[{"_id":"bdd905f3-7e9a-4c61-8966-ddae8f16ef17","title":"Product Performance","_type":"category"},{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","title":"Funds","_type":"category"},{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"a9695476-b643-4a18-be2a-e8dbf3420afd","title":"ETFs","_type":"category"},{"_id":"5e617b0c-a279-402b-9c5b-455d4ba66303","title":"Product Performance - Best-selling funds, Investment Trusts and ETFs","_type":"category"}],"slug":{"current":"bestselling-funds-investment-trusts-and-etfs-of-may-2025","_type":"slug","_key":null},"_type":"post"},{"id":"-77b095ff-a2f4-58ec-886b-144ee26a6dfc","title":"What Disney tells us about how we draw investment conclusions","authors":[{"_key":"104dc7c86c3a","people":{"_id":"9c978450-2df4-454f-a1f5-4bcba7d72444","id":"-11e460d8-ea70-5346-aa9e-06e4f6b8b1df","name":"Aberdeen","image":null}}],"authorsText":[{"children":[{"text":"Sponsored by ","_type":"span","marks":[],"_key":"1f4d668ec0c3"},{"text":"Aberdeen","_type":"span","marks":["strong","e9d32223d18e"],"_key":"68aae40c5703"}],"_type":"block","_key":"5d8fa194831f","style":"normal"}],"_updatedAt":"2025-06-10T14:48:11Z","publishedAt":"2025-06-09T09:59:35.031Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-58f7323251750d0fdd6f25c9a26aae5d0ea9c84d-1920x1080-png"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"}],"slug":{"current":"what-disney-tells-us-about-how-we-draw-investment-conclusions","_type":"slug","_key":null},"_type":"post"},{"id":"-5333306c-e577-572f-b5f3-367b6eb81393","title":"Gorillas crash the car and the spaceship ","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2026-03-30T11:18:33Z","publishedAt":"2025-06-06T11:38:23.856Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-ca3822f0a3729f58cf5986763b8ea4b526a42924-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-gorillas-crash-the-car-and-the-spaceship","_type":"slug","_key":null},"_type":"post"},{"id":"-8e51344c-94dd-5913-966c-6829856bb9ac","title":"Rethinking retirement: How Invesco Bond Income Plus Limited could fit the new retirement landscape","authors":[{"_key":"3ad7d0749602","people":{"_id":"669640ea-1073-4d4a-9bbf-36603f43c125","id":"-f08dd026-6413-5c66-83ad-3c961f0efc64","name":"Invesco","image":null}}],"authorsText":[{"children":[{"text":"Sponsored by ","_type":"span","marks":[],"_key":"2f151ded2114"},{"text":"Invesco","_type":"span","marks":["strong","6d031a4ff36b"],"_key":"1c3c2774e9e6"}],"_type":"block","_key":"8d5f4e5cbd8c","style":"normal"}],"_updatedAt":"2025-06-05T09:13:50Z","publishedAt":"2025-06-05T09:13:12.023Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-32e4bf919ee252ecfcc17ab9e973befe58c56e9b-1920x1080-png"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"}],"slug":{"current":"rethinking-retirement-how-invesco-bond-income-plus-limited-could-fit-the-new-retirement-landscape","_type":"slug","_key":null},"_type":"post"},{"id":"-04dcfee5-ae49-502e-bd79-7f5a6f15ecae","title":"FTSE going for glory as NatWest leaves home","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-05-30T11:41:40Z","publishedAt":"2025-05-30T11:41:39.361Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-f2a45cc22d98b5482f8003ffcbbda0e0b266b9fc-800x450-jpg"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-ftse-going-for-glory-as-natwest-leaves-home","_type":"slug","_key":null},"_type":"post"},{"id":"-4ed067f4-7bb5-56d4-b2c9-a7c92b19f184","title":"Just Retired? 5 Essential Money Moves for a Secure Retirement","authors":[{"_key":"5d50adce6b04","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"3648fd47d593"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"590af363a1c3"}],"_type":"block","_key":"c108dbff4173","style":"normal"}],"_updatedAt":"2025-05-30T11:16:43Z","publishedAt":"2025-05-30T11:16:40.163Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-b1bb4d8b70b2f34bba835a12d34c6e150bf41bdf-1920x1080-png"}},"categories":[{"_id":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","title":"Pensions","_type":"category"}],"slug":{"current":"pension-prep-5-things-to-do-when-youve-just-retired","_type":"slug","_key":null},"_type":"post"},{"id":"-2dbf0238-ac99-541a-a129-807f5daf4ed0","title":"Pension IHT Changes April 2027: What UK Retirees Must Know","authors":[{"_key":"f2a5a76041a0","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"45ae2db47b35"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"1f950d008632"}],"_type":"block","_key":"e9c14562b8b8","style":"normal"}],"_updatedAt":"2025-05-29T11:12:01Z","publishedAt":"2025-05-29T11:11:55.948Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-5d1599bb105335cf315a21fa0ff6a8184dca06d6-1920x1080-png"}},"categories":[{"_id":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","title":"Pensions","_type":"category"},{"_id":"dd0844ff-d219-41f0-9006-8cc97e1faff1","title":"Tax","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"pension-iht-changes-april-2027-what-uk-retirees-must-know","_type":"slug","_key":null},"_type":"post"},{"id":"-95c03fd3-4ffe-58c9-a5e3-cb4b6d120493","title":"Record IHT Bills Hit Middle Earners: 5 Smart Ways to Reduce Your Liability","authors":[{"_key":"f34c920f0cce","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"0bcc1b60ed57"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"5c16c0cdf910"}],"_type":"block","_key":"3c16e57903e1","style":"normal"}],"_updatedAt":"2025-05-28T11:35:14Z","publishedAt":"2025-05-28T11:32:34.630Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-3bb19b58602d526d24a4bee4478caf3620d815c3-1920x1080-png"}},"categories":[{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"},{"_id":"dd0844ff-d219-41f0-9006-8cc97e1faff1","title":"Tax","_type":"category"},{"_id":"161c09a5-00b8-40b8-b40a-55ca3241f4e2","title":"Inheritance","_type":"category"}],"slug":{"current":"record-iht-bills-hit-middle-earners-essential-2025-planning-guide","_type":"slug","_key":null},"_type":"post"},{"id":"-432522ed-21e3-53ba-932f-b463d80f7ddc","title":"Guide to Financial Advice: Help With Big Money Matters","authors":[{"_key":"7cb011d33a25","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"4d0a264924b2"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"b263b2b6b8b5"}],"_type":"block","_key":"662e68139a58","style":"normal"}],"_updatedAt":"2025-06-23T08:29:28Z","publishedAt":"2025-05-27T13:05:51.670Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-c4887b584348ff7703757acb4ea5a92d48a4a667-1920x1080-png"}},"categories":[{"_id":"ebc96959-c4e5-458c-af55-d92fc594dfb2","title":"Advice","_type":"category"},{"_id":"b09bc8a1-3225-47eb-aa7d-538473acdb89","title":"Guide","_type":"category"},{"_id":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","title":"Product Guides","_type":"category"}],"slug":{"current":"do-you-need-a-financial-adviser","_type":"slug","_key":null},"_type":"post"},{"id":"-f91611ab-87cf-5160-8914-4e1bd13e8a71","title":"Inflation, inheritance and the Pensioners' Revolt","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-05-23T11:19:53Z","publishedAt":"2025-05-23T11:01:39.688Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-1cdb9309a6dd59c525fbad08393aa76f79ba1b94-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-inflation-inheritance-and-the-pensioners-revolt","_type":"slug","_key":null},"_type":"post"},{"id":"-93d85844-5274-5bba-8aea-d32256ca604d","title":"Self-Employed Money Guide: Tax, Pensions, Expenses and More","authors":[{"_key":"b0e6f4a688cc","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By","_type":"span","marks":[],"_key":"e3a5cbce1b46"},{"text":" Boring Money","_type":"span","marks":["strong"],"_key":"3239cadaac34"}],"_type":"block","_key":"de40e0a751b6","style":"normal"}],"_updatedAt":"2025-10-30T12:41:31Z","publishedAt":"2025-05-22T14:57:17.466Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-e5b2fd7f9ec524f46205ff84d4bae1c51bc9ea07-1920x1080-png"}},"categories":[{"_id":"0cde7b89-8d9a-47a5-913f-f42f8d28b3f7","title":"Self-Employed","_type":"category"},{"_id":"b09bc8a1-3225-47eb-aa7d-538473acdb89","title":"Guide","_type":"category"}],"slug":{"current":"3-money-tips-for-the-self-employed","_type":"slug","_key":null},"_type":"post"},{"id":"-44d4e0e4-67ea-5e94-8e39-85af73f999cc","title":"How to Save for Retirement if You're Self-Employed: 3 Essential Pension Tips for 2025","authors":[{"_key":"c7d05209fdad","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"bd9973ad5977"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"d841fca7b017"}],"_type":"block","_key":"9636cbd7f6cd","style":"normal"}],"_updatedAt":"2026-03-30T11:10:50Z","publishedAt":"2025-05-22T10:07:14.074Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-6047b91ca3edbfda86c7d4ca93bb7b7c7ad93131-1920x1080-png"}},"categories":[{"_id":"0cde7b89-8d9a-47a5-913f-f42f8d28b3f7","title":"Self-Employed","_type":"category"},{"_id":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","title":"Pensions","_type":"category"}],"slug":{"current":"3-retirement-planning-tips-for-the-selfemployed","_type":"slug","_key":null},"_type":"post"},{"id":"-e6adfa35-fd8d-5b35-84bf-59907a06c5ab","title":"Five reasons to consider financials","authors":[{"_key":"22e1d0471dd1","people":{"_id":"2541307e-d1b2-4ebd-84d2-d39cf18ac2d4","id":"-5421e8b1-e684-5b48-8765-73eadb86e7dd","name":"Polar Capital Global Financials Trust","image":null}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"63f5b23e54f3"},{"text":"Tom Dorner","_type":"span","marks":["strong"],"_key":"9168540b8964"},{"text":", Fund Manager, ","_type":"span","marks":[],"_key":"2c3334887ad6"},{"text":"Polar Capital Global Financials Trust","_type":"span","marks":["79b4ca2e1fb4"],"_key":"108e533dafce"}],"_type":"block","_key":"007c60e94288","style":"normal"}],"_updatedAt":"2025-05-21T13:18:30Z","publishedAt":"2025-05-21T13:18:23.885Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-28c18b9d92ea41ab64af272ff0a74162a373e6c2-1920x1080-png"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"}],"slug":{"current":"five-reasons-to-consider-financials","_type":"slug","_key":null},"_type":"post"},{"id":"-1ae9754a-48d1-5675-99f4-c22dfb150285","title":"Investing with an ISA: Your shield against inflation","authors":[{"_key":"9c0378b9b270","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By","_type":"span","marks":[],"_key":"d96182d21e7d"},{"text":" Boring Money","_type":"span","marks":["strong"],"_key":"05539c0afb4a"}],"_type":"block","_key":"8d9bbf82c9a8","style":"normal"}],"_updatedAt":"2025-12-17T10:12:12Z","publishedAt":"2025-05-21T08:22:40.255Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-dd4dce2df37d8a3eaa8799f6443995b03010a46d-1920x1080-png"}},"categories":[{"_id":"73fddf86-91d0-45eb-adf5-638de6442300","title":"ISAs","_type":"category"},{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"}],"slug":{"current":"investing-with-an-isa-your-shield-against-inflation","_type":"slug","_key":null},"_type":"post"},{"id":"-9f3e361a-e316-5881-ba75-9238b22cdee1","title":"Pensions - what's your priority?","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-05-16T12:32:45Z","publishedAt":"2025-05-16T11:51:04.966Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-60d0f1dbf770a2bd542b0766150e7f852b8cac16-1920x1080-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-your-pension-whats-in-it-and-why-it-matters","_type":"slug","_key":null},"_type":"post"},{"id":"-af6cdc1c-c01d-55f5-9940-d45c51c3393b","title":"The unswerving search for quality","authors":[{"_key":"104dc7c86c3a","people":{"_id":"9c978450-2df4-454f-a1f5-4bcba7d72444","id":"-11e460d8-ea70-5346-aa9e-06e4f6b8b1df","name":"Aberdeen","image":null}}],"authorsText":[{"children":[{"text":"Sponsored by ","_type":"span","marks":[],"_key":"1f4d668ec0c3"},{"text":"Aberdeen","_type":"span","marks":["strong","e9d32223d18e"],"_key":"68aae40c5703"}],"_type":"block","_key":"5d8fa194831f","style":"normal"}],"_updatedAt":"2025-05-21T08:40:23Z","publishedAt":"2025-05-15T08:24:00.000Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-7fb875c06fa76dc5ae0ed5be5a9c3a53dfee28bf-1920x1080-png"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"}],"slug":{"current":"the-unswerving-search-for-quality","_type":"slug","_key":null},"_type":"post"},{"id":"-40f88413-296d-5fad-95c0-ec699530e9d2","title":"Best-selling funds, Investment Trusts and ETFs of April 2025","authors":[{"_key":"43a98a4171e4","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"158ad2dd0887"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"dfd6013806a7"}],"_type":"block","_key":"2f7ff9d70343","style":"normal"}],"_updatedAt":"2025-10-08T09:42:36Z","publishedAt":"2025-05-13T12:00:39.711Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-cff500ad304e84af408065d433a7e3f9d984543e-1920x1080-png"}},"categories":[{"_id":"bdd905f3-7e9a-4c61-8966-ddae8f16ef17","title":"Product Performance","_type":"category"},{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","title":"Funds","_type":"category"},{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"a9695476-b643-4a18-be2a-e8dbf3420afd","title":"ETFs","_type":"category"},{"_id":"5e617b0c-a279-402b-9c5b-455d4ba66303","title":"Product Performance - Best-selling funds, Investment Trusts and ETFs","_type":"category"}],"slug":{"current":"bestselling-funds-investment-trusts-and-etfs-of-april-2025","_type":"slug","_key":null},"_type":"post"},{"id":"-8d00a7d0-0fb4-5157-8aae-7ebae3c403b2","title":"Interest rates heading down, trade and gold","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-05-09T11:09:49Z","publishedAt":"2025-05-09T11:02:50.560Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-747a0985b7b17cf39b76c1f6b453aa1a2d944464-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-interest-rates-heading-down-trade-and-gold","_type":"slug","_key":null},"_type":"post"},{"id":"-67e7decc-3856-54e8-bf43-26365a79d4c2","title":"Self-Employed Tax Hacks for 2025: Save More, Stress Less","authors":[{"_key":"36e31201b958","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"8504570f8485"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"4e35250f8701"}],"_type":"block","_key":"0b129e5453f9","style":"normal"}],"_updatedAt":"2025-05-07T11:51:57Z","publishedAt":"2025-05-07T11:51:44.305Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-79847898553429a9255413f2ea5b4ed393e6e8bc-1920x1080-png"}},"categories":[{"_id":"0cde7b89-8d9a-47a5-913f-f42f8d28b3f7","title":"Self-Employed","_type":"category"},{"_id":"dd0844ff-d219-41f0-9006-8cc97e1faff1","title":"Tax","_type":"category"}],"slug":{"current":"selfemployed-heres-five-tips-to-cut-your-tax-bill","_type":"slug","_key":null},"_type":"post"},{"id":"-4f3848ce-e2ea-5c9c-b38b-e415bdd7528e","title":"VAT Rules Hike Private School Fees: What You Need to Know","authors":[{"_key":"7ef1c7b33764","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By","_type":"span","marks":[],"_key":"2bde9fbf76c7"},{"text":" Boring Money","_type":"span","marks":["strong"],"_key":"71a5c9ea6978"}],"_type":"block","_key":"3f67fc2dbb8b","style":"normal"}],"_updatedAt":"2025-05-06T16:17:41Z","publishedAt":"2025-05-06T16:17:28.622Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-3c6eb9588a734a54b79f6305e93c4cc361db81c2-1920x1080-png"}},"categories":[{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"},{"_id":"dd0844ff-d219-41f0-9006-8cc97e1faff1","title":"Tax","_type":"category"},{"_id":"76e15dca-6524-4e2d-bb26-c53e29ecadaf","title":"Everyday Money","_type":"category"}],"slug":{"current":"vat-on-school-fees","_type":"slug","_key":null},"_type":"post"},{"id":"-06bc80e6-3801-59e0-822b-20adf78ea662","title":"What Are Equity Income Funds - And Why Do Investors Love Them?","authors":[{"_key":"23f4980de41b","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By","_type":"span","marks":[],"_key":"1faf7c2fc68a"},{"text":" Boring Money","_type":"span","marks":["strong"],"_key":"e69e0178c841"}],"_type":"block","_key":"8d0359cb5941","style":"normal"}],"_updatedAt":"2025-06-03T12:22:17Z","publishedAt":"2025-05-06T16:14:17.649Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-99de6de3da9bc198f7f14c5af5bf473d9770d833-1920x1080-png"}},"categories":[{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"},{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","title":"Funds","_type":"category"}],"slug":{"current":"what-is-an-equity-income-fund","_type":"slug","_key":null},"_type":"post"},{"id":"-ecdded6d-3cda-50e0-a6f0-d5a6d78525bd","title":"Later Life Financial Planning UK: 10 Essential Steps to Get Your Affairs in Order","authors":[{"_key":"c07933ef726d","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"ffc9c06c88f7"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"7d45cdce90a6"}],"_type":"block","_key":"73b019021563","style":"normal"}],"_updatedAt":"2025-05-01T09:23:37Z","publishedAt":"2025-05-01T09:23:35.652Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-6b2a5a6c1ccefaf73ac224c156e16fcf659cdab5-1920x1080-png"}},"categories":[{"_id":"56cb73af-6356-4d23-ba58-a4d5301e6f9b","title":"Retirement","_type":"category"}],"slug":{"current":"later-life-financial-planning-uk-10-essential-steps-to-get-your-affairs-in-order","_type":"slug","_key":null},"_type":"post"},{"id":"-402b8ff0-6404-5ece-ba94-2d3f46bec78f","title":"The Beginner’s Guide to Budgeting in 2025: Easy Budgeting Methods That Work","authors":[{"_key":"efd1945d7af5","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"e70c6d783a47"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"1b970b176a17"}],"_type":"block","_key":"76d2a6ac3800","style":"normal"}],"_updatedAt":"2025-04-30T09:38:51Z","publishedAt":"2025-04-30T09:37:32.513Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-deb4c18a679fbdd1387c227122bd7541a083b234-3840x2160-png"}},"categories":[{"_id":"5ef54f52-49d3-4a77-a9e1-085e5488e421","title":"Budgeting","_type":"category"},{"_id":"4a25f745-db82-4535-bd37-d484a6c8b8d7","title":"Savings","_type":"category"}],"slug":{"current":"the-beginners-guide-to-budgeting-in-2025-easy-budgeting-methods-that-work","_type":"slug","_key":null},"_type":"post"},{"id":"-603d157e-5f48-5add-96f4-b064b24ccb7a","title":"Smart Ways to Invest After Retirement (And Avoid Running Out of Money)","authors":[{"_key":"4fef928c2c1e","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"3185951b9c75"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"14b6acca5041"}],"_type":"block","_key":"953478108ef1","style":"normal"}],"_updatedAt":"2025-04-30T09:30:09Z","publishedAt":"2025-04-30T09:29:50.338Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-e7244465eaca9957c97717d7bd12faabff48fb35-1920x1080-png"}},"categories":[{"_id":"56cb73af-6356-4d23-ba58-a4d5301e6f9b","title":"Retirement","_type":"category"}],"slug":{"current":"how-to-invest-after-retirement","_type":"slug","_key":null},"_type":"post"},{"id":"-569e32f2-2f61-5da6-af62-864a2c6c465f","title":"Beginner's Guide to Tax on Online Earnings in the UK","authors":[{"_key":"ae451524090e","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"e9c3b48b3f6a"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"143efcd8d02f"}],"_type":"block","_key":"97f0d3914158","style":"normal"}],"_updatedAt":"2025-04-28T13:06:33Z","publishedAt":"2025-04-28T13:06:32.154Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-6f2fd80f39f4806e4e783be93b036570a8db6fb8-1920x1080-png"}},"categories":[{"_id":"dd0844ff-d219-41f0-9006-8cc97e1faff1","title":"Tax","_type":"category"},{"_id":"0cde7b89-8d9a-47a5-913f-f42f8d28b3f7","title":"Self-Employed","_type":"category"}],"slug":{"current":"beginners-guide-to-tax-on-online-earnings-in-the-uk","_type":"slug","_key":null},"_type":"post"},{"id":"-2c47e24e-5c08-5bd5-8210-e39e75cae812","title":"Another yo-yo week","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-04-25T11:46:51Z","publishedAt":"2025-04-25T11:43:53.871Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-f983e39225094356a86685d8e742195a6fa83632-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-another-yo-yo-week","_type":"slug","_key":null},"_type":"post"},{"id":"-000306cc-74bb-5407-b4b2-db4ac7c0016a","title":"Hot Microsoft and a soggy Apple ","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-05-02T10:51:23Z","publishedAt":"2025-04-25T11:43:53.871Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-7d332c781037e3a7b5002f6edb212eb1589931f3-1920x1080-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-hot-microsoft-and-a-soggy-apple","_type":"slug","_key":null},"_type":"post"},{"id":"-89483e4d-e189-56cc-82e4-c930e2c7644f","title":"Trump vs the Bond Market: Why US Debt Could Be the Next Global Crisis","authors":[{"_key":"ca40cb1feb0e","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"051d229037e0"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"a61d0e913046"}],"_type":"block","_key":"a05f61d43566","style":"normal"}],"_updatedAt":"2025-04-24T15:03:30Z","publishedAt":"2025-04-24T15:03:29.474Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-650991311ffe127ab60f8fb804c94d606fef00e6-1920x1080-png"}},"categories":[{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"},{"_id":"324d60b8-6372-47d1-b157-ebe7973d8d81","title":"Bonds","_type":"category"}],"slug":{"current":"trump-vs-the-bond-market-why-us-debt-could-be-the-next-global-crisis","_type":"slug","_key":null},"_type":"post"},{"id":"-4cb300ea-1f43-5419-b73e-c14e2db5c7b9","title":"UK Workplace Pensions: How Climate-Friendly Is Your Retirement Pot?","authors":[{"_key":"a4823fd34384","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"a76ee2c01b58"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"019591c24da9"}],"_type":"block","_key":"ea35a6d383b2","style":"normal"}],"_updatedAt":"2025-06-05T08:28:25Z","publishedAt":"2025-04-24T14:23:57.393Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-5b40a78f0a14d72b06494027947743e21b491e3b-1920x1080-png"}},"categories":[{"_id":"c1ad338f-4f1e-45e0-a079-4c8b32ab87b8","title":"Sustainable Investing","_type":"category"},{"_id":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","title":"Pensions","_type":"category"}],"slug":{"current":"uk-workplace-pensions-how-green-is-your-retirement-pot","_type":"slug","_key":null},"_type":"post"},{"id":"-7d042127-947a-5757-bdaf-1a5c13432fc1","title":"Unlocking hidden value in Financials","authors":[{"_key":"68b05110dc01","people":{"_id":"2541307e-d1b2-4ebd-84d2-d39cf18ac2d4","id":"-5421e8b1-e684-5b48-8765-73eadb86e7dd","name":"Polar Capital Global Financials Trust","image":null}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"a72ce7009e45"},{"text":"Nick Brind","_type":"span","marks":["strong"],"_key":"c9514dce1efc"},{"text":", Fund Manager and ","_type":"span","marks":[],"_key":"93667f99d72e"},{"text":"Simon Cordery","_type":"span","marks":["strong"],"_key":"a7e39b29d699"},{"text":", Chairman of the Board","_type":"span","marks":[],"_key":"fb967345d2b7"}],"_type":"block","_key":"c649b17f9285","style":"normal"}],"_updatedAt":"2025-04-24T09:42:39Z","publishedAt":"2025-04-24T09:42:38.350Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-055ba6cf4942f570495b220e57ca2f0b74a6e14d-1504x784-png"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"}],"slug":{"current":"unlocking-hidden-value-in-financials","_type":"slug","_key":null},"_type":"post"},{"id":"-ad9c17a8-e40e-53e9-9833-0607bec84fdf","title":"Maximising Your 25% Tax-Free Lump Sum: Options, Considerations, and Expert Advice","authors":[{"_key":"16863e76caf0","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By","_type":"span","marks":[],"_key":"980d13fedad1"},{"text":" Boring Money ","_type":"span","marks":["strong"],"_key":"01c5dfa59aaa"}],"_type":"block","_key":"18094a08cf40","style":"normal"}],"_updatedAt":"2026-03-30T11:25:37Z","publishedAt":"2025-04-22T15:23:45.772Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-5dca3f795b3e48834729f2771c6075b396a4429f-1920x1080-png"}},"categories":[{"_id":"da38ee48-4ccb-4632-aed4-fae6aeb77b8c","title":"Pensions - Personal Pension","_type":"category"},{"_id":"dd0844ff-d219-41f0-9006-8cc97e1faff1","title":"Tax","_type":"category"},{"_id":"ebc96959-c4e5-458c-af55-d92fc594dfb2","title":"Advice","_type":"category"}],"slug":{"current":"maximizing-your-25-taxfree-pension-lump-sum-options-considerations-and-expert-advice","_type":"slug","_key":null},"_type":"post"},{"id":"-0e2cde74-7a66-55fd-971a-66cad3c8ce8b","title":"Stock Market for Beginners: 10 Key Investing Terms You Need to Know","authors":[{"_key":"0012f02e2820","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"991569fadb08"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"652cd8929e1c"}],"_type":"block","_key":"db178b9480e2","style":"normal"}],"_updatedAt":"2025-04-17T13:55:12Z","publishedAt":"2025-04-17T13:55:05.813Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-ee3f0808e35c469aa62158df376df508874a8d02-1920x1080-png"}},"categories":[{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"}],"slug":{"current":"stock-market-for-beginners","_type":"slug","_key":null},"_type":"post"},{"id":"-9524e20a-2f0d-5b3f-a35b-3f6d15b1c7aa","title":"Best Performing Nest Eggs","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2026-03-30T08:33:24Z","publishedAt":"2025-04-17T12:18:40.478Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-5d735532e818045623adc8ef1df150dcd01ae366-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-best-performing-nest-eggs","_type":"slug","_key":null},"_type":"post"},{"id":"-70568adc-4a9e-509a-bd30-277d3febadf4","title":"Financial planning in your 50s: Your guide to smart retirement prep","authors":[{"_key":"202d712696b0","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"6110bc60ce72"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"05321fb5f6c4"}],"_type":"block","_key":"c058884f4e62","style":"normal"}],"_updatedAt":"2026-03-30T11:13:32Z","publishedAt":"2025-04-16T12:34:33.977Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-0030b8fa94f4c67039d4e363506c0a6888ccf8c8-1920x1080-png"}},"categories":[{"_id":"69f1dd9e-7f24-403a-9636-7574594c2f96","title":"Lifestage","_type":"category"},{"_id":"0974d2bd-b6f4-4c15-8eff-4853e7946a48","title":"Cohort - Women","_type":"category"}],"slug":{"current":"in-your-50s","_type":"slug","_key":null},"_type":"post"},{"id":"-393e5663-b80b-5d53-bf74-c5da50af58d1","title":"Best performing ready-made solutions of January – March 2025","authors":[{"_key":"e46e7988e212","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"92b01a0993d3"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"c7bcc6b7dc60"}],"_type":"block","_key":"439a73a014f3","style":"normal"}],"_updatedAt":"2025-11-10T11:19:35Z","publishedAt":"2025-04-16T12:32:35.029Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-cc2b682989a85cbf0ae8f96d905f8bfb77e4a82f-1920x1080-png"}},"categories":[{"_id":"a0233bcc-9945-4ded-b8db-d6a11bba1857","title":"Ready-Made Solutions","_type":"category"},{"_id":"2b24e6f3-6040-4b22-9356-14184abc4876","title":"Performance - Ready Made solutions ","_type":"category"}],"slug":{"current":"best-performing-readymade-solutions-of-january-march-2025","_type":"slug","_key":null},"_type":"post"},{"id":"-4f3030f2-fe7c-531b-9fa2-d1923cfd7d16","title":"Did our retirement guides help you?","authors":[{"_key":"cf6bb2605de0","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"","_type":"span","marks":[],"_key":"339753406fe0"}],"_type":"block","_key":"944177b8e804","style":"normal"}],"_updatedAt":"2025-04-15T08:24:50Z","publishedAt":"2025-04-15T08:22:15.456Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-25fa518fa6392ce3aed80541332cc00d1d41ba25-1920x1080-png"}},"categories":[],"slug":{"current":"did-our-retirement-guides-help-you","_type":"slug","_key":null},"_type":"post"},{"id":"-01c107b4-3d4c-57a4-972b-3f833b893a72","title":"Be an early bird ISA investor","authors":[{"_key":"b8ff18e00089","people":{"_id":"7077a1a2-a2ca-4952-87e2-5e9e4f1a41d0","id":"-617cf664-86af-592f-b9f3-b718bbf40457","name":"Aberdeen","image":null}}],"authorsText":[{"children":[{"text":"Sponsored by ","_type":"span","marks":[],"_key":"fac0a0c4662f"},{"text":"Aberdeen","_type":"span","marks":["strong"],"_key":"f435d2bcc312"}],"_type":"block","_key":"3d04b027d3d9","style":"normal"}],"_updatedAt":"2025-05-08T08:26:40Z","publishedAt":"2025-04-14T13:33:01.332Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-e45d974c0f9e06449951d2fdccb9d042046bb1a2-1920x1080-png"}},"categories":[{"_id":"73fddf86-91d0-45eb-adf5-638de6442300","title":"ISAs","_type":"category"},{"_id":"39d2ca7f-4862-4ab2-b902-0bf10f1d4c34","title":"ISA - Stocks and Shares ISA","_type":"category"}],"slug":{"current":"be-an-early-bird-isa-investor","_type":"slug","_key":null},"_type":"post"},{"id":"-98b544f6-1823-50c8-afd1-dba605e5d87f","title":"2025 mortgage rates: What's happening and refinancing tips","authors":[{"_key":"66d7b11626ad","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"20870d24e477"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"b833968463e5"}],"_type":"block","_key":"a1ed25c6bc6d","style":"normal"}],"_updatedAt":"2025-04-14T11:34:03Z","publishedAt":"2025-04-14T11:33:55.434Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-0d6fb9604fa705900657cde609fdcfe7a6c090ec-1920x1080-png"}},"categories":[{"_id":"dde8f78c-cf90-4642-9b65-3401bde72d25","title":"Mortgage","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"2025-mortgage-rates-whats-happening-and-refinancing-tips","_type":"slug","_key":null},"_type":"post"},{"id":"-885d345c-4257-5071-966f-f190450646a9","title":"Yes, Donald, we got yippy","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-04-11T12:01:00Z","publishedAt":"2025-04-11T11:59:53.960Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-3dae7171f3dac19ed46e6610a32277a6870cdedd-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-yes-donald-we-got-yippy","_type":"slug","_key":null},"_type":"post"},{"id":"-ac51e393-6537-57e6-b5bb-9cf211e13011","title":"Three ways to get help with planning for retirement","authors":[{"_key":"d4f37a7e0101","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By","_type":"span","marks":[],"_key":"dd9c8e7523e9"},{"text":" Boring Money","_type":"span","marks":["strong"],"_key":"0038ec09d632"}],"_type":"block","_key":"9cf15b4e87ff","style":"normal"}],"_updatedAt":"2026-03-30T11:00:39Z","publishedAt":"2025-04-10T14:09:47.420Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-ed83015151341970039cdd88916192db13fbbc78-1920x1080-png"}},"categories":[{"_id":"56cb73af-6356-4d23-ba58-a4d5301e6f9b","title":"Retirement","_type":"category"},{"_id":"ebc96959-c4e5-458c-af55-d92fc594dfb2","title":"Advice","_type":"category"},{"_id":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","title":"Pensions","_type":"category"}],"slug":{"current":"3-ways-to-get-help-with-planning-for-retirement","_type":"slug","_key":null},"_type":"post"},{"id":"-fd0cc0ef-b4b5-5a3e-9283-afbc8e5ddf65","title":"Best budgeting apps for 2025: Monzo, Plum and more","authors":[{"_key":"5b6b88228cb5","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By","_type":"span","marks":[],"_key":"d4bbced9c3a5"},{"text":" Boring Money","_type":"span","marks":["strong"],"_key":"bf08b62e174f"}],"_type":"block","_key":"781435a11f8c","style":"normal"}],"_updatedAt":"2025-10-23T13:12:41Z","publishedAt":"2025-04-10T13:48:10.649Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-7cdd84ffa2b63cd977cb554a8dc86df8f29caa55-1920x1080-png"}},"categories":[{"_id":"5ef54f52-49d3-4a77-a9e1-085e5488e421","title":"Budgeting","_type":"category"}],"slug":{"current":"budgeting-apps-reviewed","_type":"slug","_key":null},"_type":"post"},{"id":"-9bd66f86-264a-5c78-bc52-ab9ae4a89e56","title":"Best-selling funds, Investment Trusts and ETFs of March 2025","authors":[{"_key":"43a98a4171e4","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"158ad2dd0887"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"dfd6013806a7"}],"_type":"block","_key":"2f7ff9d70343","style":"normal"}],"_updatedAt":"2025-10-08T09:43:27Z","publishedAt":"2025-04-09T15:33:24.421Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-0e79370889acf9e9852381e1078c756cf7f915d4-1920x1080-png"}},"categories":[{"_id":"bdd905f3-7e9a-4c61-8966-ddae8f16ef17","title":"Product Performance","_type":"category"},{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","title":"Funds","_type":"category"},{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"a9695476-b643-4a18-be2a-e8dbf3420afd","title":"ETFs","_type":"category"},{"_id":"5e617b0c-a279-402b-9c5b-455d4ba66303","title":"Product Performance - Best-selling funds, Investment Trusts and ETFs","_type":"category"}],"slug":{"current":"bestselling-funds-investment-trusts-and-etfs-of-march-2025","_type":"slug","_key":null},"_type":"post"},{"id":"-fe4af846-6497-5b86-9d67-91d18ca0c3a3","title":"Spin the Wheel causes carnage","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2026-03-30T10:34:21Z","publishedAt":"2025-04-04T11:52:39.014Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-f20c19cb3283aa8e7321c612cb68e396165f0043-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-spin-the-wheel-causes-carnage","_type":"slug","_key":null},"_type":"post"},{"id":"-dbd47b30-5db5-53c8-9542-ae5a136f36bb","title":"Trump's Tariff War: Global Economic Impact of 'Liberation Day' and Investment Strategies","authors":[{"_key":"a1bcedec3986","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":null,"_updatedAt":"2025-04-03T09:46:30Z","publishedAt":"2025-04-03T08:59:56.485Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-e1955ec1b1c2ce269843256109f8a35598c4cd0c-800x450-jpg"}},"categories":[{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"trumps-tariff-war-global-economic-impact-of-liberation-day-and-investment-strategies","_type":"slug","_key":null},"_type":"post"},{"id":"-ebb41520-401c-5418-b892-737965a9c3fe","title":"Save tax - one week to go!","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-03-28T13:05:44Z","publishedAt":"2025-03-28T13:05:42.859Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-544f007d3ecaae50016058933d1d2d66831feab1-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-save-tax-one-week-to-go","_type":"slug","_key":null},"_type":"post"},{"id":"-0a560af4-a9dc-5941-ab9a-d4f39bafe407","title":"Three pension hacks for higher rate taxpayers","authors":[{"_key":"495dcf3544ea","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"d0a1cc27a3b00"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"ef52abd35ac1"}],"_type":"block","_key":"884e53989984","style":"normal"}],"_updatedAt":"2025-03-28T11:23:31Z","publishedAt":"2025-03-28T11:23:24.724Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-77938d275857f6c1882f85b5944737a891799e12-1920x1080-png"}},"categories":[{"_id":"dd0844ff-d219-41f0-9006-8cc97e1faff1","title":"Tax","_type":"category"},{"_id":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","title":"Pensions","_type":"category"}],"slug":{"current":"three-money-tips-for-higher-rate-taxpayers","_type":"slug","_key":null},"_type":"post"},{"id":"-42b5c54b-34b1-572c-b143-8467b8767308","title":"How to reduce how much Inheritance Tax you need to pay","authors":[{"_key":"b2c24ad92349","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By","_type":"span","marks":[],"_key":"0a520592345c"},{"text":" Boring Money","_type":"span","marks":["strong"],"_key":"52d5521cce6a"}],"_type":"block","_key":"89c4d341de24","style":"normal"}],"_updatedAt":"2025-03-28T11:56:20Z","publishedAt":"2025-03-28T10:53:32.733Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-2088c4a31edc9df3d6fb5d1096c342f821f66c86-720x405-png"}},"categories":[{"_id":"dd0844ff-d219-41f0-9006-8cc97e1faff1","title":"Tax","_type":"category"},{"_id":"5cf55588-b674-41ff-9f06-b87461a297dd","title":"Pay Less Tax","_type":"category"}],"slug":{"current":"tax-tips-guides-how-to-reduce-how-much-inheritance-tax-you-need-to-pay","_type":"slug","_key":null},"_type":"post"},{"id":"-be9a3b59-4b21-5a1f-ba6a-22f083c7e984","title":"Five ways for higher rate taxpayers to reduce their tax bill","authors":[{"_key":"6db5ed8b158c","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"3984c650b9a5"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"233e0c78f904"}],"_type":"block","_key":"89c4d341de24","style":"normal"}],"_updatedAt":"2025-03-28T09:35:57Z","publishedAt":"2025-03-26T17:01:57.778Z","mainImage":{"blankAltTag":null,"crop":null,"hotspot":null,"asset":{"_id":"image-5b3f56a4e89338a610d955e3e385007c0c3e10a8-2880x1620-png"}},"categories":[{"_id":"dd0844ff-d219-41f0-9006-8cc97e1faff1","title":"Tax","_type":"category"},{"_id":"5cf55588-b674-41ff-9f06-b87461a297dd","title":"Pay Less Tax","_type":"category"}],"slug":{"current":"five-ways-for-higherrate-taxpayers-to-reduce-their-tax-bill","_type":"slug","_key":null},"_type":"post"},{"id":"-0d7c5fd3-7bcc-574a-946e-cdfb3ca2c5cd","title":"Spring Statement: £14bn Cuts Restore UK Economic Headroom","authors":[{"_key":"994592825835","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"c27bfc621aa1"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"f27d1e9c2988"}],"_type":"block","_key":"727d459e20e9","style":"normal"}],"_updatedAt":"2025-03-26T15:28:04Z","publishedAt":"2025-03-26T15:27:50.837Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-c9b49d5ed87ed273674d0d1e9d949c0ede0e0d6b-1920x1080-png"}},"categories":[{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"spring-statement-14bn-cuts-restore-uk-economic-headroom","_type":"slug","_key":null},"_type":"post"},{"id":"-0f2d62ff-171c-5d0b-bed5-c8c8b0f18388","title":"Financial planning guide for your 40s: Pensions, debt management and estate planning","authors":[{"_key":"a8f88658eb42","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By","_type":"span","marks":[],"_key":"e45107b022a0"},{"text":" Boring Money","_type":"span","marks":["strong"],"_key":"4ffca747df5e"}],"_type":"block","_key":"f53dd866fdd5","style":"normal"}],"_updatedAt":"2026-03-30T08:38:04Z","publishedAt":"2025-03-25T16:24:09.087Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-9797bcd8934eb94ed7b6dbfb63af36d3258eb02d-1920x1080-png"}},"categories":[{"_id":"69f1dd9e-7f24-403a-9636-7574594c2f96","title":"Lifestage","_type":"category"},{"_id":"0974d2bd-b6f4-4c15-8eff-4853e7946a48","title":"Cohort - Women","_type":"category"}],"slug":{"current":"in-your-40s","_type":"slug","_key":null},"_type":"post"},{"id":"-3955c74a-a482-52d9-885f-d59d2f80a132","title":"Taking the fight to Awful April","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-03-21T12:04:31Z","publishedAt":"2025-03-21T12:04:29.939Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-016330caba557dd52b39373a8e09edc6bff5aca6-800x450-jpg"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-taking-the-fight-to-awful-april","_type":"slug","_key":null},"_type":"post"},{"id":"-a5eb58ba-2de2-5a9b-bb52-c4cf39b36b47","title":"Investing wisely in 2025: How Mid Wynd International strives to stay ahead of the curve","authors":[{"_key":"67a024ff944c","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"a8c5b61e359c"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"3740c1022891"}],"_type":"block","_key":"ef34ce9b9858","style":"normal"}],"_updatedAt":"2025-04-07T10:29:31Z","publishedAt":"2025-03-20T09:22:55.400Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-62ccfa4d2094221188eef36cfde508b2ef11fc68-624x351-jpg"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"}],"slug":{"current":"investing-wisely-in-2025-how-mid-wynd-international-seeks-to-stay-ahead-of-the-curve","_type":"slug","_key":null},"_type":"post"},{"id":"-62dae665-b131-5299-997e-82ab5ac857b7","title":"How to manage a joint bank account as a married couple","authors":[{"_key":"b2c0819788ae","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"3905a44929e6"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"60054adf22c2"}],"_type":"block","_key":"c1dbf0c0a863","style":"normal"}],"_updatedAt":"2025-03-17T17:04:06Z","publishedAt":"2025-03-17T17:03:51.772Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-de40404038686f487ba83566fca1a2a596525359-527x296-jpg"}},"categories":[{"_id":"76e15dca-6524-4e2d-bb26-c53e29ecadaf","title":"Everyday Money","_type":"category"}],"slug":{"current":"how-to-manage-a-joint-bank-account-as-a-married-couple","_type":"slug","_key":null},"_type":"post"},{"id":"-1edab11c-f36a-5a24-b6f2-bdea703b250e","title":"Annuity vs drawdown: 3 things to do to find the right pension for you","authors":[{"_key":"df39fc759dba","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"d9d882c6f008"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"6acba92dc9ae"}],"_type":"block","_key":"a5a2b5657079","style":"normal"}],"_updatedAt":"2026-03-30T11:14:28Z","publishedAt":"2025-03-17T10:42:27.498Z","mainImage":{"blankAltTag":null,"crop":null,"hotspot":null,"asset":{"_id":"image-cf83c5788718de29326400470bdd01ad0efa2366-2880x1620-png"}},"categories":[{"_id":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","title":"Pensions","_type":"category"},{"_id":"56cb73af-6356-4d23-ba58-a4d5301e6f9b","title":"Retirement","_type":"category"}],"slug":{"current":"annuity-vs-drawdown-3-things-to-keep-in-mind-to-find-the-right-pension-for-you","_type":"slug","_key":null},"_type":"post"},{"id":"-1467ce76-1943-59b4-849b-c0f1b66d59fe","title":"Tariff Toys, gold and a market on sale","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-03-14T11:51:35Z","publishedAt":"2025-03-14T11:51:33.719Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-6454db088c3190bf47452cee913788864217a8df-800x450-jpg"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-tariff-toys-gold-and-a-market-on-sale","_type":"slug","_key":null},"_type":"post"},{"id":"-fae3b514-4a95-5f5d-a88b-e758be822af1","title":"5 things to do if you're stressed about money","authors":[{"_key":"740a56e315fd","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"0a520592345c"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"e07c72c7b7f4"}],"_type":"block","_key":"89c4d341de24","style":"normal"}],"_updatedAt":"2025-03-13T12:34:00Z","publishedAt":"2025-03-13T12:33:58.852Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-98fbfdd797c5b95270aeb8af7a93caefebc9477e-1920x1080-png"}},"categories":[{"_id":"5ef54f52-49d3-4a77-a9e1-085e5488e421","title":"Budgeting","_type":"category"}],"slug":{"current":"5-things-to-do-if-youre-stressed-about-money","_type":"slug","_key":null},"_type":"post"},{"id":"-ed9c7802-44d6-504e-a49b-3fbd32708d1d","title":"Best-selling funds, Investment Trusts and ETFs of February 2025","authors":[{"_key":"43a98a4171e4","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"158ad2dd0887"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"dfd6013806a7"}],"_type":"block","_key":"2f7ff9d70343","style":"normal"}],"_updatedAt":"2025-10-08T09:42:55Z","publishedAt":"2025-03-12T16:54:21.576Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-cdc54baf171f0edb49d92cf8a50287e54e162683-1920x1080-png"}},"categories":[{"_id":"bdd905f3-7e9a-4c61-8966-ddae8f16ef17","title":"Product Performance","_type":"category"},{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","title":"Funds","_type":"category"},{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"a9695476-b643-4a18-be2a-e8dbf3420afd","title":"ETFs","_type":"category"},{"_id":"5e617b0c-a279-402b-9c5b-455d4ba66303","title":"Product Performance - Best-selling funds, Investment Trusts and ETFs","_type":"category"}],"slug":{"current":"bestselling-funds-investment-trusts-and-etfs-of-february-2025","_type":"slug","_key":null},"_type":"post"},{"id":"-0197ad89-ac54-582a-910c-1494d33cf629","title":"Tax-Free Childcare: How Parents Can Save up to £2,000 on Childcare Costs","authors":[{"_key":"ee7faaca6711","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":null,"_updatedAt":"2025-03-20T10:26:16Z","publishedAt":"2025-03-11T11:38:54.849Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-f578f9f1618a1b1384da3601ce592f311fcd5022-1920x1080-png"}},"categories":[{"_id":"69f1dd9e-7f24-403a-9636-7574594c2f96","title":"Lifestage","_type":"category"},{"_id":"dd0844ff-d219-41f0-9006-8cc97e1faff1","title":"Tax","_type":"category"},{"_id":"5cf55588-b674-41ff-9f06-b87461a297dd","title":"Pay Less Tax","_type":"category"}],"slug":{"current":"tax-free-childcare-scheme","_type":"slug","_key":null},"_type":"post"},{"id":"-46249e62-a689-5275-a718-bdb350ab6974","title":"How to prepare your investment portfolio for retirement","authors":[{"_key":"e8c115626bc0","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"ac0b91045406"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"a8acc9bf2bf1"}],"_type":"block","_key":"036fc4c131e4","style":"normal"}],"_updatedAt":"2025-04-07T10:28:47Z","publishedAt":"2025-03-10T15:29:21.457Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-ccc69622ca5981687bc931a54b708c8563984ac3-791x445-png"}},"categories":[{"_id":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","title":"Pensions","_type":"category"},{"_id":"56cb73af-6356-4d23-ba58-a4d5301e6f9b","title":"Retirement","_type":"category"},{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"},{"_id":"da38ee48-4ccb-4632-aed4-fae6aeb77b8c","title":"Pensions - Personal Pension","_type":"category"}],"slug":{"current":"how-to-prepare-your-investment-portfolio-for-retirement","_type":"slug","_key":null},"_type":"post"},{"id":"-769919aa-4c49-5f0e-81ae-f8c4b8daef7c","title":"Building financial resilience: How to protect your finances in an uncertain job market","authors":[{"_key":"d835ed6236d3","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By","_type":"span","marks":[],"_key":"9b54a0c1621f"},{"text":" Boring Money","_type":"span","marks":["strong"],"_key":"63f332f2b6a2"}],"_type":"block","_key":"7a0450cb72e2","style":"normal"}],"_updatedAt":"2025-03-10T09:25:27Z","publishedAt":"2025-03-10T09:25:26.102Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-81a9146f2c17690ae649b993e487a2d8678d86b2-1920x1080-png"}},"categories":[{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"},{"_id":"bd43dd04-fcc8-497b-bb07-e92403eb81a1","title":"Debt","_type":"category"},{"_id":"5ef54f52-49d3-4a77-a9e1-085e5488e421","title":"Budgeting","_type":"category"}],"slug":{"current":"building-financial-resilience-how-to-protect-your-finances-in-an-uncertain-job-market","_type":"slug","_key":null},"_type":"post"},{"id":"-56c76089-216e-53a7-82b6-db4aacd62789","title":"From MAGA to MEGA?","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-03-07T10:54:05Z","publishedAt":"2025-03-07T10:47:09.704Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-1e16c1c976f14f1f6db45373e1e54653c953a04d-800x450-jpg"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-from-maga-to-mega","_type":"slug","_key":null},"_type":"post"},{"id":"-b732d97b-3aff-588b-832f-928a22edcb2c","title":"Will there still be a State Pension when I retire?","authors":[{"_key":"2d6b3401d173","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"980d13fedad1"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"ede549a47ab9"}],"_type":"block","_key":"18094a08cf40","style":"normal"}],"_updatedAt":"2026-04-09T13:26:08Z","publishedAt":"2025-03-06T12:46:54.658Z","mainImage":{"blankAltTag":null,"crop":null,"hotspot":null,"asset":{"_id":"image-4cfccbdc734b41de455c818ec929921ea72f0119-3840x2160-png"}},"categories":[{"_id":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","title":"Pensions","_type":"category"},{"_id":"008afba9-1332-4a6c-b016-2ec576698a1b","title":"Pensions - State Pension","_type":"category"}],"slug":{"current":"will-there-still-be-a-state-pension-when-i-reach-retirement-age","_type":"slug","_key":null},"_type":"post"},{"id":"-99ea53d6-627e-57f4-8dcb-b34637fbb636","title":"Investing for stability: How high quality companies can protect you during turbulent times","authors":[{"_key":"aefe79aaed70","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"777f04aa75f2"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"281f70fddb40"}],"_type":"block","_key":"df35da186ece","style":"normal"}],"_updatedAt":"2025-04-07T10:27:11Z","publishedAt":"2025-03-03T15:49:20.815Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-b6e4bc6797b00ee8726337f23a8493d3fa5a0331-1600x900-jpg"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"}],"slug":{"current":"investing-for-stability-how-high-quality-companies-can-protect-you-during-turbulent-times","_type":"slug","_key":null},"_type":"post"},{"id":"-994c30fc-e7ef-540a-97f3-12850f2211e1","title":"Financial planning guide for your 30s: A complete guide to investing, marriage, and family","authors":[{"_key":"f648f29b4b42","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"5c2590d0c334"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"513c63021406"}],"_type":"block","_key":"583f47c0bf37","style":"normal"}],"_updatedAt":"2025-03-04T14:32:49Z","publishedAt":"2025-03-03T12:44:00.000Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-19660f491fe8f150c11769d6715fcd05df4b54ef-1920x1080-png"}},"categories":[{"_id":"69f1dd9e-7f24-403a-9636-7574594c2f96","title":"Lifestage","_type":"category"},{"_id":"0974d2bd-b6f4-4c15-8eff-4853e7946a48","title":"Cohort - Women","_type":"category"}],"slug":{"current":"in-your-30s","_type":"slug","_key":null},"_type":"post"},{"id":"-e63c9256-df16-5cc9-ab1e-501810bbb867","title":"Nvidia and Trumpytariffs","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-02-28T12:35:12Z","publishedAt":"2025-02-28T12:35:11.834Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-919ebf98d792885abc427bf661c726f9f20708ef-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-nvidia-and-trumpytariffs","_type":"slug","_key":null},"_type":"post"},{"id":"-cb8b2b91-4c2e-5a4c-a464-72a988876703","title":"Spring Statement Preview: What Tax Changes Could Rachel Reeves Announce","authors":[{"_key":"c8f171447362","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":null,"_updatedAt":"2025-02-27T12:58:19Z","publishedAt":"2025-02-27T12:51:54.641Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-07216bf7f36ca45c0e085464c8ade75d6c715f55-1920x1080-png"}},"categories":[{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"spring-statement-preview-what-tax-changes-could-rachel-reeves-announce","_type":"slug","_key":null},"_type":"post"},{"id":"-a4cde355-0ee5-5db1-a5ce-4491abaa30f5","title":"Autumn Budget 2025: What May Be Coming and Your Action Plan","authors":[{"_key":"b2ddae23fe2b","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":null,"_updatedAt":"2025-09-05T14:27:13Z","publishedAt":"2025-02-24T09:52:49.435Z","mainImage":{"blankAltTag":null,"crop":null,"hotspot":null,"asset":{"_id":"image-207576e4d1c17fd140634330919af7990e6cabea-1920x1080-png"}},"categories":[{"_id":"dd0844ff-d219-41f0-9006-8cc97e1faff1","title":"Tax","_type":"category"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News","_type":"category"}],"slug":{"current":"hollys-top-taxbusting-tips-for-savers-and-investors","_type":"slug","_key":null},"_type":"post"},{"id":"-6b277cb7-9894-5a76-9a9a-caf6e47c0906","title":"Get the money marigolds on - 6 weeks left to go!","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-02-21T12:57:28Z","publishedAt":"2025-02-21T12:57:27.253Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-b2f14992fca906b549891f9af73dfad360a2addd-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-get-the-marigolds-on-six-weeks-left-to-go","_type":"slug","_key":null},"_type":"post"},{"id":"-8085027e-cac9-5a4d-9b92-2f75eba82d81","title":"From childhood budgets to AI-driven investing: Heloïse Greeff’s financial journey","authors":[{"_key":"2489a034e825","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By","_type":"span","marks":[],"_key":"edb66a72cfce"},{"text":" Boring Money","_type":"span","marks":["strong"],"_key":"fa0bcaf4fe14"}],"_type":"block","_key":"35478091888a","style":"normal"}],"_updatedAt":"2025-02-26T16:51:38Z","publishedAt":"2025-02-20T16:02:45.499Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-fdf5edb33e59c49347cf37a7ad736466ad4d3b3c-1920x1080-png"}},"categories":[{"_id":"b3600cd1-0ed4-49bf-a58a-322b16f9b19a","title":"Interview","_type":"category"}],"slug":{"current":"i-see-investing-as-the-way-to-reach-absolute-equality","_type":"slug","_key":null},"_type":"post"},{"id":"-2c9389c3-7de2-5077-8d5f-385a2e24afd4","title":"From civil servant to self-sufficiency: How Anna Rozanska built her own house at 32","authors":[{"_key":"2489a034e825","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By","_type":"span","marks":[],"_key":"edb66a72cfce"},{"text":" Boring Money","_type":"span","marks":["strong"],"_key":"fa0bcaf4fe14"}],"_type":"block","_key":"35478091888a","style":"normal"}],"_updatedAt":"2025-02-21T15:09:16Z","publishedAt":"2025-02-20T16:02:20.035Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-4443012ebd9762180eab2240ad1b108363cac2f2-1920x1080-png"}},"categories":[{"_id":"b3600cd1-0ed4-49bf-a58a-322b16f9b19a","title":"Interview","_type":"category"}],"slug":{"current":"from-civil-servant-to-selfsufficiency-how-anna-rozanska-built-her-own-house-at-32","_type":"slug","_key":null},"_type":"post"},{"id":"-5e1be53c-dc5c-5735-be96-f4b4ad86ab18","title":"From adversity to achievement: How Megan Norman overcame a lack of self-belief to become a successful entrepreneur and investor","authors":[{"_key":"b77f8476282b","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By","_type":"span","marks":[],"_key":"3bf958e4065b"},{"text":" Boring Money","_type":"span","marks":["strong"],"_key":"01a6515e5e42"}],"_type":"block","_key":"f00afab537bf","style":"normal"}],"_updatedAt":"2025-02-21T15:09:24Z","publishedAt":"2025-02-20T16:02:00.080Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-32d2720717b128d0d03f0f6d00ce304805a1cdea-1920x1080-png"}},"categories":[{"_id":"b3600cd1-0ed4-49bf-a58a-322b16f9b19a","title":"Interview","_type":"category"}],"slug":{"current":"from-adversity-to-achievement-how-megan-norman-overcame-a-lack-of-selfbelief-to-become-a-successful-entrepreneur-and-investor","_type":"slug","_key":null},"_type":"post"},{"id":"-b30844de-c15b-545d-bea5-41d550996378","title":"8 cheapest pension providers for low-cost retirement saving","authors":[{"_key":"33894eb159d5","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By","_type":"span","marks":[],"_key":"600d84979f26"},{"text":" Boring Money","_type":"span","marks":["strong"],"_key":"c3fc873ba506"}],"_type":"block","_key":"7b2d11470ea0","style":"normal"}],"_updatedAt":"2026-03-30T10:33:25Z","publishedAt":"2025-02-18T12:38:54.427Z","mainImage":{"blankAltTag":null,"crop":null,"hotspot":null,"asset":{"_id":"image-aaf408e1876f14f816a788f03816137802a00346-1920x1080-png"}},"categories":[{"_id":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","title":"Pensions","_type":"category"}],"slug":{"current":"cheapest-pension-providers-for-lowcost-retirement-saving","_type":"slug","_key":null},"_type":"post"},{"id":"-9c64bda2-b4cb-5422-a66a-c6ec6fb95194","title":"The 5 golden rules of investing","authors":[{"_key":"7ad8df21ed5d","people":{"_id":"b65fe915-ca49-44f6-92dd-bd4228c86419","id":"-98a0dfb5-c186-5f51-b4ef-9e535cb5da87","name":"eToro","image":null}}],"authorsText":null,"_updatedAt":"2025-03-17T14:26:15Z","publishedAt":"2025-02-17T14:26:00.000Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-6d410424a1e2f7ca1aa741c4a25af4534f3f75d8-1920x1080-png"}},"categories":[],"slug":{"current":"the-5-golden-rules-of-investing","_type":"slug","_key":null},"_type":"post"},{"id":"-f68c8729-27f1-5373-b8c2-b77aa92b1ba1","title":"Our 2025 Best Buys - The pick of the crop","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-02-21T10:24:22Z","publishedAt":"2025-02-14T12:34:25.109Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-5252a392ff322685fd5b0456bfafb674dabf7d36-2880x1620-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-our-2025-best-buys-the-pick-of-the-crop","_type":"slug","_key":null},"_type":"post"},{"id":"-3c08776d-8bcc-59ec-a5f3-4eaefdcd5abc","title":"Top money tips for couples: 5-step checklist to improving joint finances","authors":[{"_key":"2d4f6e70d4fb","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"530a480bddac"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"01ab6e79a049"}],"_type":"block","_key":"3a39d0fc365e","style":"normal"}],"_updatedAt":"2025-02-14T11:11:51Z","publishedAt":"2025-02-14T09:44:26.552Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-095f422ef9e242bdd1f5388873337adce80e95dd-1600x900-jpg"}},"categories":[{"_id":"1e6b7a52-6d9a-453f-8618-dbedf2d50c79","title":"Tips","_type":"category"},{"_id":"dd0844ff-d219-41f0-9006-8cc97e1faff1","title":"Tax","_type":"category"},{"_id":"4a25f745-db82-4535-bd37-d484a6c8b8d7","title":"Savings","_type":"category"}],"slug":{"current":"top-money-tips-for-couples-5step-checklist-to-improving-joint-finances","_type":"slug","_key":null},"_type":"post"},{"id":"-8a4e26ed-4b08-5716-8d8b-0b158fb687bc","title":"Financial planning in your 70s: Your guide to post-retirement money management","authors":[{"_key":"4032fe6a0900","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"554897431b01"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"49f96333dced"}],"_type":"block","_key":"30b058b9f7b0","style":"normal"}],"_updatedAt":"2025-02-13T14:15:49Z","publishedAt":"2025-02-13T14:15:45.856Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-013adac25e068b0af1ba845ba5f9df845dd3708e-1920x1080-png"}},"categories":[{"_id":"69f1dd9e-7f24-403a-9636-7574594c2f96","title":"Lifestage","_type":"category"}],"slug":{"current":"in-your-70s","_type":"slug","_key":null},"_type":"post"},{"id":"-ce11253b-247c-5e11-a024-c1f3ce73cecc","title":"Financial planning guide for your 60s: Retirement plans, will prep and tax strategy","authors":[{"_key":"f7ecc01bccef","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"747274e11e57"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"25933e115672"}],"_type":"block","_key":"067c2f5ee2dd","style":"normal"}],"_updatedAt":"2026-03-30T11:22:10Z","publishedAt":"2025-02-12T15:14:28.420Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-e8b34d9412c7f54f0f6c4c457d058e216186cd2e-1920x1080-png"}},"categories":[{"_id":"69f1dd9e-7f24-403a-9636-7574594c2f96","title":"Lifestage","_type":"category"}],"slug":{"current":"in-your-60s","_type":"slug","_key":null},"_type":"post"},{"id":"-bc41019d-3743-5754-b085-d46ac7919805","title":"Top 5 cheapest ISA providers for low-cost investing ","authors":[{"_key":"7253459a1462","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By","_type":"span","marks":[],"_key":"600d84979f26"},{"text":" Boring Money","_type":"span","marks":["strong"],"_key":"c3fc873ba506"}],"_type":"block","_key":"7b2d11470ea0","style":"normal"}],"_updatedAt":"2025-02-12T12:31:44Z","publishedAt":"2025-02-12T12:29:10.666Z","mainImage":{"blankAltTag":null,"crop":null,"hotspot":null,"asset":{"_id":"image-547585acb16e80d3cced1b2e8a7d801c1ec5f2f1-1920x1080-png"}},"categories":[{"_id":"73fddf86-91d0-45eb-adf5-638de6442300","title":"ISAs","_type":"category"}],"slug":{"current":"cheapest-isa-providers-for-lowcost-investing","_type":"slug","_key":null},"_type":"post"},{"id":"-a2c1a4f2-3710-54d5-8ea3-354b23f13f6c","title":"AI: Can the hot streak continue or are tech stocks finally running out of steam?","authors":[{"_key":"724c3408f98a","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"967bdc8388d9"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"44e5af89ec15"}],"_type":"block","_key":"bcc048ff5a7c","style":"normal"}],"_updatedAt":"2025-04-07T10:25:52Z","publishedAt":"2025-02-12T11:31:16.813Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-b43b1befe73d73530c71ed7daa2a92cccf595e2c-830x468-png"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","title":"Investing","_type":"category"}],"slug":{"current":"ai-can-the-hot-streak-continue-or-are-tech-stocks-finally-running-out-of-steam","_type":"slug","_key":null},"_type":"post"},{"id":"-aad51c6a-b819-501a-a70f-e6eb81aec935","title":"Best-selling funds, Investment Trusts and ETFs of January 2025","authors":[{"_key":"43a98a4171e4","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"158ad2dd0887"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"dfd6013806a7"}],"_type":"block","_key":"2f7ff9d70343","style":"normal"}],"_updatedAt":"2025-10-08T09:43:58Z","publishedAt":"2025-02-11T17:09:54.829Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-cfe12ed0047aa28ecd7bb982351d8492231d9416-1920x1080-png"}},"categories":[{"_id":"bdd905f3-7e9a-4c61-8966-ddae8f16ef17","title":"Product Performance","_type":"category"},{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","title":"Funds","_type":"category"},{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"a9695476-b643-4a18-be2a-e8dbf3420afd","title":"ETFs","_type":"category"},{"_id":"5e617b0c-a279-402b-9c5b-455d4ba66303","title":"Product Performance - Best-selling funds, Investment Trusts and ETFs","_type":"category"}],"slug":{"current":"bestselling-funds-investment-trusts-and-etfs-of-january-2025","_type":"slug","_key":null},"_type":"post"},{"id":"-37a60611-713f-5d0f-a7e9-c44b62f3c31a","title":"Bubble baths and 567 billion reasons for change","authors":[{"_key":"0c2d72e3a3ad","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"51ca96a651d7"},{"text":"Holly Mackay","_type":"span","marks":["strong"],"_key":"1bb8c471ce37"},{"text":", Founder & CEO","_type":"span","marks":[],"_key":"4ad4514dff9e"}],"_type":"block","_key":"d2c0c18fe4c3","style":"normal"}],"_updatedAt":"2025-02-07T15:49:03Z","publishedAt":"2025-02-07T12:50:50.939Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-d650531d4db57cc94411d2a921833c43cd497a32-6000x3375-png"}},"categories":[{"_id":"52fb9374-743a-4ac9-81d3-1737e1d98813","title":"Holly Mackay's Blog","_type":"category"}],"slug":{"current":"Holly-Mackay-blog-bubble-baths-and-567-billion-reasons-for-change","_type":"slug","_key":null},"_type":"post"},{"id":"-9ad4be3c-905e-590d-a8af-24a99d2997e2","title":"Financial planning guide for your 20s: First home, investing, and pension tips for young adults","authors":[{"_key":"852073a0f8d5","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"f81d27bb3d25"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"ab38fc3db26a"}],"_type":"block","_key":"f6ac34dc8d73","style":"normal"}],"_updatedAt":"2025-02-06T15:49:01Z","publishedAt":"2025-02-06T15:48:58.991Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-db0dc0d2f0ae8f491754c68fa3fcf225fe789f38-1920x1080-png"}},"categories":[{"_id":"69f1dd9e-7f24-403a-9636-7574594c2f96","title":"Lifestage","_type":"category"}],"slug":{"current":"in-your-20s","_type":"slug","_key":null},"_type":"post"},{"id":"-43f8f64d-5f5c-5f82-8e14-09965d1ffca4","title":"5 ways Investment Trusts can supercharge your ISA in 2025","authors":[{"_key":"a08c618c8e4a","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}],"authorsText":[{"children":[{"text":"By ","_type":"span","marks":[],"_key":"08cbf1c7b190"},{"text":"Boring Money","_type":"span","marks":["strong"],"_key":"d44e81686f5e"}],"_type":"block","_key":"6dac77e6019f","style":"normal"}],"_updatedAt":"2025-04-07T10:25:02Z","publishedAt":"2025-02-06T13:52:43.978Z","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-b2fd6ff0e4e247a345bac18dcd5122da15501946-1432x805-jpg"}},"categories":[{"_id":"dae4b123-28c7-47bd-89ab-bfd2f3d640dd","title":"Investment Trusts","_type":"category"},{"_id":"73fddf86-91d0-45eb-adf5-638de6442300","title":"ISAs","_type":"category"}],"slug":{"current":"5-ways-investment-trusts-can-supercharge-your-isa-in-2025","_type":"slug","_key":null},"_type":"post"}]},"latestInfoPages":{"nodes":[{"_id":"drafts.01e8d4ad-d5ff-4eca-8429-1486c165980d","id":"-144b7b2f-b7eb-5ff6-b173-b52cbff58b2f","_type":"information","slug":{"current":"evestor"},"subfolder":{"folder":"/pensions/"},"title":"Evestor Pension Review","mainImage":{"blankAltTag":null,"crop":null,"hotspot":null,"asset":{"_id":"image-bce4fcbc1821b2bf410c51825cd2371e3cb1ed6c-150x150-svg"},"alt":"evestor "},"subtitle":null,"_updatedAt":"2023-10-24T07:20:17Z","publishedAt":"2026-09-30T13:25:00.000Z","categories":[],"authorsText":null,"authors":[]},{"_id":"88e418a3-f50e-492b-898b-e7ba96949d0b","id":"-aea5dad5-b6b1-5aa0-a060-ebb54ef88052","_type":"information","slug":{"current":"how-do-i-manage-money-in-drawdown-including-asset-allocation-income-sequencing-and-the-best-strategies-through-retirement"},"subfolder":{"folder":"/learn/investing-guides/"},"title":"How should I manage my money in drawdown?","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-95e15911c0df8bf38786911417bdddfaa55104a5-1920x1080-png"},"alt":null},"subtitle":"What to know about asset allocation, income sequencing, and withdrawal strategies in retirement","_updatedAt":"2026-04-17T12:01:24Z","publishedAt":"2026-04-17T10:37:06.544Z","categories":[{"id":"-0ff92c2a-8d3c-531a-84d1-1dcffd8075b2","title":"Retirement","_type":"category"},{"id":"-bd79c084-c376-5d34-90c2-83e6ba75982d","title":"Pensions","_type":"category"}],"authorsText":[{"children":[{"text":"Written by Holly Mackay","_type":"span","marks":[],"_key":"f27254a97319"}],"_type":"block","_key":"37a64889746d","style":"normal"}],"authors":[{"_key":"92686584fa87","people":{"_id":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","id":"-b8fdd917-56b6-5a38-8bac-65948398038a","name":"Holly Mackay","image":{"crop":null,"hotspot":null,"asset":{"_id":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png"}}}}]},{"_id":"71c07e78-c72a-4f56-a453-d19c6815b10e","id":"-a3eebb98-ddaf-569b-908b-ce8d565f30de","_type":"information","slug":{"current":"what-happens-to-stock-markets-after-a-crash-a-history-of-recoveries"},"subfolder":{"folder":"/learn/investing-guides/"},"title":"What happens to stock markets after a crash? A history of recoveries","mainImage":{"blankAltTag":null,"crop":null,"hotspot":null,"asset":{"_id":"image-2337699f6d649bbfc3bfdb53645838365bc13024-1920x1080-png"},"alt":null},"subtitle":null,"_updatedAt":"2026-04-10T10:54:30Z","publishedAt":"2026-04-10T08:59:14.279Z","categories":[{"id":"-1b0a78fd-4c2d-5ebb-aeae-aa0c6be5b245","title":"News","_type":"category"}],"authorsText":[{"children":[{"text":"Written by ","_type":"span","marks":[],"_key":"30e4386ae396"},{"text":"Boring Money ","_type":"span","marks":["d3befb95c06f"],"_key":"76865b6451ef"}],"_type":"block","_key":"2e921ff9002d","style":"normal"}],"authors":[{"_key":"6ed9354134ca","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}]},{"_id":"45e816aa-fc2d-4ebf-b9d3-41541a2600fd","id":"-b0910350-6573-55bb-b1da-24697707cf49","_type":"information","slug":{"current":"how-to-make-the-most-of-your-isa-in-the-new-tax-year-202627"},"subfolder":{"folder":"/hub/everyday-money/"},"title":"How to make the most of your ISA in the new tax year 2026/27","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-645621c9ec901989b5a1ca155b6aa3c0bd8f9871-1920x1080-png"},"alt":null},"subtitle":null,"_updatedAt":"2026-04-07T15:05:57Z","publishedAt":"2026-04-07T14:18:43.159Z","categories":[{"id":"-204f0443-dddc-5b81-b3b3-26e22f0c381d","title":"Tax","_type":"category"}],"authorsText":[{"children":[{"text":"Written by ","_type":"span","marks":[],"_key":"f3e7bbe6b4a3"},{"text":"Boring Money","_type":"span","marks":["554cc5821090"],"_key":"902361b6c17b"}],"_type":"block","_key":"00eff1456ec5","style":"normal"}],"authors":[{"_key":"7efc41b61513","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}]},{"_id":"534cd54e-2e98-45f5-8d1f-37b0dd2d1d93","id":"-38b3525c-8ec7-57e5-a3f0-83d0fe6cafa6","_type":"information","slug":{"current":"aj-bell-vs-hargreaves-lansdown"},"subfolder":{"folder":"/compare/"},"title":"AJ Bell vs Hargreaves Lansdown","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-23fe0a85eca4b0c1c324da0bcfe8280278c2ca4a-3360x1890-png"},"alt":"AJ Bell vs Hargreaves Lansdown"},"subtitle":"Which provider is the best to invest with?","_updatedAt":"2026-04-07T08:19:14Z","publishedAt":"2026-03-31T09:46:05.277Z","categories":[{"id":"-99e6e5c6-4de1-5ed2-96bb-99a3a73573ba","title":"Compare providers","_type":"category"},{"id":"-56aed686-14fa-58a1-a350-8da89430a4ad","title":"Boring Money Provider Reviews","_type":"category"}],"authorsText":[{"children":[{"text":"Written by Boring Money ","_type":"span","marks":[],"_key":"1a5568c8e3fc"}],"_type":"block","_key":"2dad5cfa35f4","style":"normal"}],"authors":[{"_key":"ddf9f6c0ea52","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}]},{"_id":"7cbd6f73-96f9-4a0a-a29f-d572123bb0ea","id":"-20af9ee2-eae7-578e-ac96-9e6e4593f850","_type":"information","slug":{"current":"investing-focus-is-now-a-good-time-to-invest-in-japan"},"subfolder":{"folder":"/performance/"},"title":" Investing Focus: Is Now a Good Time to Invest in Japan?","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-c0583bbbec2a4294d69951bd5132ef908d54c341-1920x1080-png"},"alt":null},"subtitle":"Corporate governance reforms, rising wages and a pro-growth government are drawing investors back to Japanese equities — here's what you need to know","_updatedAt":"2026-03-27T10:05:46Z","publishedAt":"2026-03-27T10:05:45.337Z","categories":[{"id":"-e20bee02-c62d-5422-8a42-ebefeb631231","title":"Investment Focus","_type":"category"},{"id":"-044d50ad-fb0e-511b-be70-c9a4c196622d","title":"Investing","_type":"category"},{"id":"-f84766be-427e-5ac7-90e4-f8f7a9737362","title":"Investment Trusts","_type":"category"},{"id":"-8c6c128f-a594-5291-bc90-87877ee974ca","title":"ETFs","_type":"category"},{"id":"-3a9092a6-9e6d-53ef-bb73-2ab64139b168","title":"Funds","_type":"category"}],"authorsText":[{"children":[{"text":"Written by","_type":"span","marks":[],"_key":"6989e024c8e8"},{"text":" ","_type":"span","marks":["strong"],"_key":"c3baa5e609fd"},{"text":"Boring Money","_type":"span","marks":["strong","979a4082b880"],"_key":"cd617b7f3078"}],"_type":"block","_key":"ad0e1b1e6013","style":"normal"}],"authors":[{"_key":"2c0f64f374da","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}]},{"_id":"48b77349-ffda-4b85-b6b7-1f2100e01696","id":"-f3974d74-e48f-5cd2-9f08-ea22fecab054","_type":"information","slug":{"current":"what-does-the-oil-price-spike-mean-for-your-investments"},"subfolder":{"folder":"/performance/"},"title":"What Does the Oil Price Spike Mean for Your Investments?","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-00f34cf0da5108a6f1d9c2409bf3ef3f13fe1274-1920x1080-png"},"alt":null},"subtitle":null,"_updatedAt":"2026-03-20T08:52:01Z","publishedAt":"2026-03-19T10:32:52.348Z","categories":[{"id":"-1b0a78fd-4c2d-5ebb-aeae-aa0c6be5b245","title":"News","_type":"category"}],"authorsText":[{"children":[{"text":"Written by ","_type":"span","marks":[],"_key":"6d650e9630a0"},{"text":"Boring Money ","_type":"span","marks":["8077cd8a93f3"],"_key":"a51ffdc8ff2a"}],"_type":"block","_key":"1fb16dc9d784","style":"normal"}],"authors":[{"_key":"5fe6bec49e72","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}]},{"_id":"62270a4c-7bdf-49fc-b249-35c9709450dd","id":"-2e78cc70-425d-51eb-bd0c-97604adc55cb","_type":"information","slug":{"current":"quilterinvest"},"subfolder":{"folder":"/isas-pensions/"},"title":"Is Quilter Invest good for investing?","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-906ca1481aef728593e8690b6e6dd912ebad6d5d-1080x1080-png"},"alt":null},"subtitle":null,"_updatedAt":"2026-04-15T10:40:05Z","publishedAt":"2026-03-04T12:21:03.926Z","categories":[{"id":"-56aed686-14fa-58a1-a350-8da89430a4ad","title":"Boring Money Provider Reviews","_type":"category"}],"authorsText":[{"children":[{"text":"Written by ","_type":"span","marks":[],"_key":"f3e7bbe6b4a3"},{"text":"Boring Money","_type":"span","marks":["554cc5821090"],"_key":"902361b6c17b"}],"_type":"block","_key":"00eff1456ec5","style":"normal"}],"authors":[{"_key":"79e2985a74e0","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}]},{"_id":"1d50cee7-3907-4620-8399-3004a2a2dfb7","id":"-b39c3aad-f91d-5b3b-bed7-1ceb7db0046d","_type":"information","slug":{"current":"pension-calc-test"},"subfolder":{"folder":"/"},"title":"pension calc test","mainImage":null,"subtitle":null,"_updatedAt":"2026-03-04T10:30:24Z","publishedAt":"2026-03-04T10:18:55.045Z","categories":[],"authorsText":null,"authors":[]},{"_id":"7ca22c2a-5a22-4997-9cfb-3c0c6ad85a27","id":"-76ff6d67-dc1e-5482-97dd-22c7dbe64021","_type":"information","slug":{"current":"hargreaves-lansdown"},"subfolder":{"folder":"/isas-pensions/"},"title":"Is Hargreaves Lansdown good for investing? ","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-7a3173ceb0eaab5047bf5d4827073dfd0bce36ec-150x150-svg"},"alt":"hargreaves"},"subtitle":"Independent review by Boring Money ","_updatedAt":"2026-04-02T14:21:16Z","publishedAt":"2026-03-02T15:19:14.211Z","categories":[{"id":"-56aed686-14fa-58a1-a350-8da89430a4ad","title":"Boring Money Provider Reviews","_type":"category"}],"authorsText":[{"children":[{"text":"Written by ","_type":"span","marks":[],"_key":"f3e7bbe6b4a3"},{"text":"Boring Money","_type":"span","marks":["554cc5821090"],"_key":"902361b6c17b"}],"_type":"block","_key":"00eff1456ec5","style":"normal"}],"authors":[{"_key":"e0311996df1a","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}]},{"_id":"35bd7e08-c1d4-4adb-b978-200ffb3071ce","id":"-d65275ff-e800-5fa4-bb91-dda16ac7f0f2","_type":"information","slug":{"current":"halifax-share-dealing"},"subfolder":{"folder":"/isas-pensions/"},"title":"Is Halifax Share Dealing good for investing?","mainImage":{"blankAltTag":null,"crop":null,"hotspot":null,"asset":{"_id":"image-bb3a72c350ac3e48660bf716213d65fa62e2d3c7-337x336-png"},"alt":"halifax"},"subtitle":"Independent review by Boring Money","_updatedAt":"2026-03-02T15:15:43Z","publishedAt":"2026-03-02T15:15:43.961Z","categories":[{"id":"-56aed686-14fa-58a1-a350-8da89430a4ad","title":"Boring Money Provider Reviews","_type":"category"}],"authorsText":[{"children":[{"text":"Written by ","_type":"span","marks":[],"_key":"f3e7bbe6b4a3"},{"text":"Boring Money","_type":"span","marks":["554cc5821090"],"_key":"902361b6c17b"}],"_type":"block","_key":"00eff1456ec5","style":"normal"}],"authors":[{"_key":"ff277c3809bd","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}]},{"_id":"9ff0481d-a7c7-44fb-893c-e336b72dea59","id":"-ab49ff1b-1524-509f-a5b1-e1c4067de735","_type":"information","slug":{"current":"best-highgrowth-investment-ideas-for-a-junior-isa-expert-fund-picks"},"subfolder":{"folder":"/"},"title":"Best High-Growth Investment Ideas for a Junior ISA: Expert Fund Picks","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-1fb0b62e468070279c6226efb620ca4e1b4bfdb3-1920x1080-png"},"alt":null},"subtitle":null,"_updatedAt":"2026-02-27T13:50:38Z","publishedAt":"2026-02-27T13:50:35.907Z","categories":[{"id":"-5bd0d707-38e3-529d-a910-55af14ef7bfe","title":"ISA - Junior ISA","_type":"category"}],"authorsText":[{"children":[{"text":"Written by ","_type":"span","marks":[],"_key":"c22292a3ce14"},{"text":"Boring Money ","_type":"span","marks":["44a0294fc74c"],"_key":"40ca42bfad02"}],"_type":"block","_key":"27eb14c9fe50","style":"normal"}],"authors":[{"_key":"ffb588282362","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}]},{"_id":"abe9e3ca-78e0-48bc-a152-88bb368c1f37","id":"-fa6833af-1008-5a79-b0fc-d9501497c5ff","_type":"information","slug":{"current":"ig"},"subfolder":{"folder":"/isas-pensions/"},"title":"Is IG good for investing?","mainImage":{"blankAltTag":null,"crop":null,"hotspot":null,"asset":{"_id":"image-c4cf60c7e47819a70aed3bd578f6811675c02c3d-1080x1080-png"},"alt":"IG Smart Portfolio Review"},"subtitle":"Independent review by Boring Money","_updatedAt":"2026-04-09T08:35:12Z","publishedAt":"2026-02-24T16:45:49.696Z","categories":[{"id":"-56aed686-14fa-58a1-a350-8da89430a4ad","title":"Boring Money Provider Reviews","_type":"category"},{"id":"-99e6e5c6-4de1-5ed2-96bb-99a3a73573ba","title":"Compare providers","_type":"category"}],"authorsText":[{"children":[{"text":"Written by ","_type":"span","marks":[],"_key":"f3e7bbe6b4a3"},{"text":"Boring Money","_type":"span","marks":["554cc5821090"],"_key":"902361b6c17b"}],"_type":"block","_key":"00eff1456ec5","style":"normal"}],"authors":[{"_key":"a91a957ec34b","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}]},{"_id":"0e6b215d-8594-4df0-a319-9f4b77b96068","id":"-9c474781-874f-55cf-86aa-cab936f84400","_type":"information","slug":{"current":"hsbc"},"subfolder":{"folder":"/isas-pensions/"},"title":"Is HSBC good for investing?","mainImage":{"blankAltTag":null,"crop":null,"hotspot":null,"asset":{"_id":"image-4417dc6c52dc8bd0d42b896f07e68b12b3e934c4-150x150-svg"},"alt":"hsbc logo"},"subtitle":"Independent review by Boring Money","_updatedAt":"2026-03-20T16:54:04Z","publishedAt":"2026-02-24T16:42:16.432Z","categories":[{"id":"-56aed686-14fa-58a1-a350-8da89430a4ad","title":"Boring Money Provider Reviews","_type":"category"}],"authorsText":[{"children":[{"text":"Written by ","_type":"span","marks":[],"_key":"f3e7bbe6b4a3"},{"text":"Boring Money","_type":"span","marks":["554cc5821090"],"_key":"902361b6c17b"}],"_type":"block","_key":"00eff1456ec5","style":"normal"}],"authors":[{"_key":"ccdd35233614","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}]},{"_id":"a67c7be8-d781-4065-8456-ee6d217cccd4","id":"-dc7a28a5-b11a-5356-b130-c239edc48003","_type":"information","slug":{"current":"freetrade"},"subfolder":{"folder":"/isas-pensions/"},"title":"Is Freetrade good for investing?","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-e351365309a2479af4d064a40b850e0df6b33da8-150x150-svg"},"alt":"freetrade"},"subtitle":"Freetrade review by Boring Money","_updatedAt":"2026-03-02T15:14:40Z","publishedAt":"2026-02-24T13:25:23.533Z","categories":[{"id":"-56aed686-14fa-58a1-a350-8da89430a4ad","title":"Boring Money Provider Reviews","_type":"category"}],"authorsText":[{"children":[{"text":"Written by ","_type":"span","marks":[],"_key":"f3e7bbe6b4a3"},{"text":"Boring Money","_type":"span","marks":["554cc5821090"],"_key":"902361b6c17b"}],"_type":"block","_key":"00eff1456ec5","style":"normal"}],"authors":[{"_key":"a6ccde754477","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}]},{"_id":"886c2016-17a0-46a0-ab32-5d269f4d53a5","id":"-12093d1e-69fe-5c26-aa8d-b42921d1ce5f","_type":"information","slug":{"current":"cmc-invest"},"subfolder":{"folder":"/isas-pensions/"},"title":"Is CMC Invest good for investing?","mainImage":{"blankAltTag":null,"crop":null,"hotspot":null,"asset":{"_id":"image-e30a68e8e447a878814a122ed140cd8eb4c4986e-250x250-jpg"},"alt":"CMC Invest logo"},"subtitle":"Independent review by Boring Money","_updatedAt":"2026-03-02T15:12:10Z","publishedAt":"2026-02-24T13:22:26.319Z","categories":[{"id":"-99e6e5c6-4de1-5ed2-96bb-99a3a73573ba","title":"Compare providers","_type":"category"},{"id":"-56aed686-14fa-58a1-a350-8da89430a4ad","title":"Boring Money Provider Reviews","_type":"category"}],"authorsText":[{"children":[{"text":"Written by ","_type":"span","marks":[],"_key":"f3e7bbe6b4a3"},{"text":"Boring Money","_type":"span","marks":["554cc5821090"],"_key":"902361b6c17b"}],"_type":"block","_key":"00eff1456ec5","style":"normal"}],"authors":[{"_key":"b2763d79ab47","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}]},{"_id":"drafts.b4d5a2e1-5e06-4fd3-aecf-16660f44dca3","id":"-ff224ac3-cef6-5b15-9353-8e97c2ecc9df","_type":"information","slug":{"current":"what-to-do-before-the-tax-year-ends-your-april-5th-checklist-for-isas-pensions-and-more"},"subfolder":{"folder":"/hub/how-to-save-on-tax/"},"title":"What to do before the tax year ends: your April 5th checklist for ISAs, pensions and more","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-165d97766a20e34fdeec28d82ff626275f9c66dd-1920x1080-png"},"alt":null},"subtitle":null,"_updatedAt":"2026-04-07T15:02:44Z","publishedAt":"2026-02-18T08:47:32.524Z","categories":[{"id":"-204f0443-dddc-5b81-b3b3-26e22f0c381d","title":"Tax","_type":"category"},{"id":"-6869bb5f-38d1-56d2-87d9-1e3042bde165","title":"Pay Less Tax","_type":"category"}],"authorsText":[{"children":[{"text":"Written by","_type":"span","marks":[],"_key":"9e18be23a0bb"},{"text":" Boring Money ","_type":"span","marks":["81f0ce766e65"],"_key":"e903ffff510d"}],"_type":"block","_key":"8c66f516ca8c","style":"normal"}],"authors":[{"_key":"d879542a0c44","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}]},{"_id":"8d95f8bd-6c8b-4b30-ae40-4244cf2ae93f","id":"-74798abb-ab1c-5168-b728-df948a15fd97","_type":"information","slug":{"current":"investment-focus-income"},"subfolder":{"folder":"/performance/"},"title":"Investment Focus: Fixed Income Investments Explained","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-c63d3ac8167f7adde6696718836638a630201773-1920x1080-png"},"alt":null},"subtitle":"Bonds, Risks & How to Invest (2026)","_updatedAt":"2026-02-17T17:19:58Z","publishedAt":"2026-02-17T17:19:56.057Z","categories":[{"id":"-e20bee02-c62d-5422-8a42-ebefeb631231","title":"Investment Focus","_type":"category"},{"id":"-044d50ad-fb0e-511b-be70-c9a4c196622d","title":"Investing","_type":"category"},{"id":"-f84766be-427e-5ac7-90e4-f8f7a9737362","title":"Investment Trusts","_type":"category"},{"id":"-8c6c128f-a594-5291-bc90-87877ee974ca","title":"ETFs","_type":"category"},{"id":"-3a9092a6-9e6d-53ef-bb73-2ab64139b168","title":"Funds","_type":"category"}],"authorsText":[{"children":[{"text":"Written by","_type":"span","marks":[],"_key":"6989e024c8e8"},{"text":" ","_type":"span","marks":["strong"],"_key":"c3baa5e609fd"},{"text":"Boring Money","_type":"span","marks":["strong","979a4082b880"],"_key":"cd617b7f3078"}],"_type":"block","_key":"ad0e1b1e6013","style":"normal"}],"authors":[{"_key":"2c0f64f374da","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}]},{"_id":"4b26449b-0fac-45ba-a6ff-d979da1d21af","id":"-d4e097a7-5d6f-5b75-ad70-1b307f0fbf3f","_type":"information","slug":{"current":"monzo"},"subfolder":{"folder":"/isas-pensions/"},"title":"Is Monzo good for investing? ","mainImage":{"blankAltTag":null,"crop":null,"hotspot":null,"asset":{"_id":"image-4105b3579509767699e238ee2cbe6adf486dbfae-846x406-png"},"alt":null},"subtitle":"Independent review by Boring Money ","_updatedAt":"2026-03-20T16:57:26Z","publishedAt":"2026-02-16T14:08:13.013Z","categories":[{"id":"-56aed686-14fa-58a1-a350-8da89430a4ad","title":"Boring Money Provider Reviews","_type":"category"}],"authorsText":[{"children":[{"text":"Written by ","_type":"span","marks":[],"_key":"d4dba93ea08b"},{"text":"Boring Money","_type":"span","marks":["ca07f0661337"],"_key":"ce508e7d1f90"}],"_type":"block","_key":"7c488f8a200e","style":"normal"}],"authors":[{"_key":"db7e8b37ab6f","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}]},{"_id":"cc735c68-c1b8-4987-acff-3931653c3639","id":"-8f7cfc6a-f6d7-56e0-bb2f-b522f37726c3","_type":"information","slug":{"current":"how-we-make-money"},"subfolder":{"folder":"/"},"title":"How do we make money?","mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-598fe2cd4cc3b5ce18ea84b8ce1ad4dfc487c924-1920x1080-png"},"alt":null},"subtitle":null,"_updatedAt":"2026-02-10T14:50:32Z","publishedAt":"2026-02-10T14:50:31.631Z","categories":[],"authorsText":[{"children":[{"text":"Written by Boring Money ","_type":"span","marks":[],"_key":"73e2391e5047"}],"_type":"block","_key":"49a0087c647d","style":"normal"}],"authors":[{"_key":"55f5d2871b49","people":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","id":"-0b5951e4-de98-5bc4-b619-22c1ce005baa","name":"Boring Money","image":{"crop":{"_key":null,"_type":"sanity.imageCrop","top":0,"bottom":0,"left":0.10897435897435898,"right":0.1217948717948718},"hotspot":{"_key":null,"_type":"sanity.imageHotspot","x":0.49679487179487175,"y":0.5,"height":1,"width":0.7628205128205129},"asset":{"_id":"image-a97c86a66df380894e97e61992d8e64af6c956a6-156x119-svg"}}}}]}]}},"pageContext":{"id":"-5ce4ffa2-5aa1-569c-a9ca-729c44a126d6"}},"staticQueryHashes":["1215887702","1434444190","1832481454","1914993268","202168049","2034837309","2733494758","2817707602","3813121020","4207246219","952537715"],"slicesMap":{"footer":"footer","header":"header"}}