{"componentChunkName":"component---src-templates-information-js","path":"/learn/investing-guides/product-guides/junior-isa/","result":{"data":{"post":{"id":"-a5e8be0c-d196-5776-be13-ede8cdfdbe82","_id":"10ff81a7-9b4e-4d42-bf3c-c4bec3734358","publishedAt":"2025-05-12T15:43:06.303Z","categories":[{"_id":"33d1ae5f-e338-4a6a-99bd-51b86ddba053","title":"ISA - Junior ISA"},{"_id":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","title":"Product Guides"}],"mainImage":{"blankAltTag":null,"crop":null,"hotspot":null,"asset":{"_id":"image-c0f2965989286f63dd7f50de95824435dd6dabbe-3840x2160-png"},"alt":"Junior ISA"},"_rev":"zBm7mJ8yrXMZXZmFsyRWEJ","_updatedAt":"2026-05-11T14:41:21Z","title":"Junior ISAs Explained: A Complete Guide to Saving for Your Child's Future","noIndexExternal":null,"company":null,"subtitle":null,"template":"C-SB","showConfetti":null,"enableComments":null,"hideRelatedContent":null,"hidePublishedAtDate":null,"enableGatedContent":null,"gateStyle":null,"brazeCustomAttributesSB":[],"emailSignupWidgetTitle":null,"emailSignupWidgetImage":null,"emailSignupWidgetParagraphText":null,"emailSignupWidgetButtonText":null,"textNextToKey":null,"emailSignupWidgetTextboxPlaceholder":null,"brazeCustomAttributes":[],"_rawGatedContentBody":null,"_rawGatedContentReadMoreText":null,"isPrivatePage":null,"theme":null,"_rawAuthorsText":null,"hideSocialIconsTop":null,"hideTitle":null,"slug":{"current":"junior-isa"},"subfolder":{"folder":"/learn/investing-guides/product-guides/"},"_rawExcerpt":[{"_key":"59ec1d53decb","_type":"block","children":[{"_key":"1dbc18bdf8e0","_type":"span","marks":[],"text":"These tax-free savings accounts allow you to build up a nest egg for the kids. You can open a Cash JISA or a Stocks & Shares JISA, and anyone can pay into this until your child’s 18th birthday. "}],"markDefs":[],"style":"normal"}],"_rawBody":[{"_key":"609755f77842","_type":"anchorMenuMobile","title":"s"},{"_key":"726c5d0205d8","_type":"block","children":[{"_key":"37d8f2e9911c","_type":"span","marks":[],"text":""},{"_key":"75749997b27e","_type":"mainAnchor","pageAnchor":{"_id":"0ae5d836-2501-4c5b-bfde-021b94f69b88","_type":"anchorCategory","_rev":"xjLKnlFrh2WM7l3TdaHd4B","_createdAt":"2023-02-03T15:52:41Z","_updatedAt":"2023-02-03T15:52:41Z","AnchorName":"thebasicsofjuniorisas","id":"-f6f755df-cc69-5a97-a9ec-25535af8315b","children":[],"parent":null}},{"_key":"ba0611c1fc6d","_type":"span","marks":[],"text":"The basics of Junior ISAs"}],"markDefs":[],"style":"h2"},{"_key":"6a1cf411bec1","_type":"prosConsWidget","pros":["Save up to £9,000 a year per child","Both Cash and Stocks & Shares versions","Grandparents can pay in too!","No withdrawals until the rugrats are 18"],"prosTitle":"In a nutshell"},{"_key":"41d49705d0ca","_type":"block","children":[{"_key":"18dda2dd8f95","_type":"span","marks":[],"text":""},{"_key":"c1830560cd44","_type":"mainAnchor","pageAnchor":{"_id":"563c5d58-f6d5-4693-a95e-2970c719a5c0","_type":"anchorCategory","_rev":"PZq3D7oQCo96ts7zqp048l","_createdAt":"2023-02-03T15:53:18Z","_updatedAt":"2023-02-03T15:53:18Z","AnchorName":"whatisajuniorisa","id":"-97972fc4-bf7b-594e-ba8d-a90085664832","children":[],"parent":null}},{"_key":"4f925972e806","_type":"span","marks":[],"text":"What is a Junior ISA?"}],"markDefs":[],"style":"h2"},{"_key":"fa194975510f","_type":"block","children":[{"_key":"6225265508d8","_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 their money. "}],"markDefs":[],"style":"normal"},{"_key":"771ab82c3a5f","_type":"block","children":[{"_key":"16010b9c9f80","_type":"span","marks":[],"text":"You can open a Junior ISA for each of your children under the age of 18 and can put in up to £9,000 every single year without paying a penny of tax. They come in Cash and Stocks & Shares varieties so you can choose which type suits your (and your kids') needs best. Plus, anyone can pay into a JISA until your child’s 18th birthday, at which point your little one (or not-so-little one anymore!) gets their hands on the money. "}],"markDefs":[],"style":"normal"},{"_key":"1975a1680773","_type":"block","children":[{"_key":"69e8131fb564","_type":"span","marks":[],"text":"Note though that you can't open a JISA if you already have a Child Trust Fund, and though your kids can only access their funds once they turn 18, they can control the account from the age of 16."}],"markDefs":[],"style":"normal"},{"_key":"446ba4087a87","_type":"block","children":[{"_key":"ef484d5b53ce","_type":"span","marks":[],"text":""},{"_key":"a263f7f87b2a","_type":"mainAnchor","pageAnchor":{"_id":"eab079f5-be19-4845-ac87-677cacadb9d1","_type":"anchorCategory","_rev":"xjLKnlFrh2WM7l3TdaHqEZ","_createdAt":"2023-02-03T15:53:42Z","_updatedAt":"2023-02-03T15:53:42Z","AnchorName":"howdojuniorisaswork","id":"-24918e88-abf5-55e5-af0d-a096a9e35480","children":[],"parent":null}},{"_key":"739f25136834","_type":"span","marks":[],"text":"How do Junior ISAs work?"}],"markDefs":[],"style":"h2"},{"_key":"cdecde60fb6f","_type":"block","children":[{"_key":"86d21847fca90","_type":"span","marks":[],"text":"There are 2 different types of Junior ISA that you can open on behalf of your kids: the Cash JISA and the Stocks & Shares JISA. Though the tax breaks and annual allowances are pretty much the same, the way your money is stored is a bit different. Let's discuss."}],"markDefs":[],"style":"normal"},{"_key":"0180e6487336","_type":"block","children":[{"_key":"75dc774545480","_type":"span","marks":[],"text":"What is a Cash JISA?"}],"markDefs":[],"style":"h3"},{"_key":"ca2faa2ad471","_type":"block","children":[{"_key":"129181b420ca0","_type":"span","marks":[],"text":"A Cash JISA is a Junior ISA where the money in the account is held in cash, rather than invested in the stock market. As you're not buying shares in lots of different companies, this usually means there's less risk involved. But it's important to remember that cash isn't immune to inflation, so you're not completely invincible with a Cash JISA either."}],"markDefs":[],"style":"normal"},{"_key":"f3e753161d05","_type":"block","children":[{"_key":"02092e915f490","_type":"span","marks":[],"text":"It'd be hard to miss the headlines about the cost of living crisis at the moment, and with inflation soaring to levels some of us haven't seen since the '70s, cash is actually losing its purchasing power. What this means is that the same £9,000 you put into a Cash JISA this year might not be able to buy you as many things in a few years' time, as inflation has eaten away at its value."}],"markDefs":[],"style":"normal"},{"_key":"7ca681f49bf8","_type":"block","children":[{"_key":"17840cd7db01","_type":"span","marks":[],"text":"However, Cash Junior ISAs are popular with families that aren't so keen on the idea of putting money intended for the kids into the stock market, where the value of the underlying investments can yo-yo at any given time. Cash is widely considered a safer and steadier asset, so if you're not comfortable with investing on your kids' behalf then a Cash JISA is probably best for you."}],"markDefs":[],"style":"normal"},{"_key":"03d6552c5249","_type":"block","children":[{"_key":"911f667e98610","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"54d1a30eb862","_type":"block","children":[{"_key":"749f4c0ece42","_type":"span","marks":["strong"],"text":"Learn about the pros and cons of saving with cash"}],"markDefs":[],"style":"normal"}],"_key":"c693704a3c3a","_type":"ctaWidget","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":{"_id":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"people","_rev":"gg7RnZRpI6fQeqXVUotU7b","_createdAt":"2021-07-16T15:41:47Z","_updatedAt":"2026-06-17T00:02:21Z","_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. 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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? 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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. 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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":"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"},{"LeftSideText":[{"_key":"29e5815ac3a7","_type":"block","children":[{"_key":"706f02f0f1f2","_type":"span","marks":[],"text":"FREE TOOL: Not sure which ISA or pension is right for you?"}],"markDefs":[],"style":"h4"},{"_key":"413101212e38","_type":"block","children":[{"_key":"689ff7bc39ee","_type":"span","marks":[],"text":"Answer 6 questions. Get 3 tailored recommendations. Independent, unbiased, free."}],"markDefs":[],"style":"normal"}],"_key":"8c91ab282a38","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"reference":{"_ref":"249771c5-00b0-4103-9775-fe8bb8339397","_type":"reference"},"text":"FIND MY ISA"},{"_key":"50f10f0f6a8a","_type":"block","children":[{"_key":"0876d3b43bc1","_type":"span","marks":[],"text":""}],"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-5ed7e4bf99e8196fa217894330eaef10e1131ccc-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","text":[{"_key":"f41512cd32a0","_type":"block","children":[{"_key":"2c6df9dcfbed","_type":"span","marks":[],"text":"Ready to open a Stocks & Shares ISA? "},{"_key":"53224b100cf8","_type":"span","marks":["8adc85d93860"],"text":"IG"},{"_key":"bcc74a0e71c1","_type":"span","marks":[],"text":" is one of the most trusted names in investing — FTSE 100-listed with over 50 years of market experience and 2 million+ clients worldwide."}],"markDefs":[{"_key":"8adc85d93860","_type":"internalLinkPick","blank":true,"reference":{"_ref":"3b87ca08-ad76-4bb8-8dfc-9af657bdf65b","_type":"reference"}}],"style":"normal"},{"_key":"d1673ebd6b5a","_type":"block","children":[{"_key":"5ad550463c3e","_type":"span","marks":[],"text":"With an "},{"_key":"c9fcb23cc659","_type":"span","marks":["0cd2f6ebfdf1"],"text":"IG Stocks & Shares ISA"},{"_key":"61d683b50b16","_type":"span","marks":[],"text":", you get access to 17,000+ global markets — one of the largest offerings available — so whether you're just starting out or building a diversified portfolio, you'll never be short of options."}],"markDefs":[{"_key":"0cd2f6ebfdf1","_type":"internalLinkPick","blank":true,"reference":{"_ref":"3b87ca08-ad76-4bb8-8dfc-9af657bdf65b","_type":"reference"}}],"style":"normal"},{"_key":"2751a85de2bd","_type":"block","children":[{"_key":"e7cabc737e77","_type":"span","marks":[],"text":"New to IG? Get "},{"_key":"331d19f4e6ea","_type":"span","marks":["strong"],"text":"5% AER"},{"_key":"190246e9e4ad","_type":"span","marks":[],"text":" on your uninvested ISA cash while you decide where to invest (T&Cs apply)."}],"markDefs":[],"style":"normal"},{"_key":"b14f7c38c9d3","_type":"block","children":[{"_key":"2f5d0506d7c6","_type":"span","marks":[],"text":"When you're ready to dive deeper, IG has you covered with "},{"_key":"aef5879f8e76","_type":"span","marks":["strong"],"text":"industry-leading education"},{"_key":"78189b3c8827","_type":"span","marks":[],"text":" through IG Academy, plus"},{"_key":"4aa70fb0f3a0","_type":"span","marks":["strong"],"text":" advanced charting tools"},{"_key":"9284372ac7ba","_type":"span","marks":[],"text":" via ProRealTime and TradingView for when you want to take a more hands-on approach."}],"markDefs":[],"style":"normal"},{"_key":"212b1976d129","_type":"block","children":[{"_key":"65dd11b69550","_type":"span","marks":["299a017cc91f"],"text":"Invest in shares, ETFs, and funds"},{"_key":"e1bc555c21c0","_type":"span","marks":[],"text":" — all tax-free within your annual £20,000 ISA allowance."}],"markDefs":[{"_key":"299a017cc91f","_type":"internalLinkPick","blank":true,"reference":{"_ref":"3b87ca08-ad76-4bb8-8dfc-9af657bdf65b","_type":"reference"}}],"style":"normal"},{"_key":"f671aeabc348","_type":"block","children":[{"_key":"151a6be4871d","_type":"span","marks":["strong"],"text":"Capital at risk. Tax treatment depends on individual circumstances and may be subject to change."}],"markDefs":[],"style":"normal"}],"title":"Sponsored Message by IG"},{"_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":"OPEN AN IG ISA"}],"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":"3b87ca08-ad76-4bb8-8dfc-9af657bdf65b","_type":"reference"},"text":"GO TO IG"},{"_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. 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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":{"_id":"77a399ae-1519-4911-b33d-0ef54b19e26a","_type":"anchorCategory","_rev":"OxL833R6UYusMl9CmBS7SE","_createdAt":"2023-02-06T14:15:08Z","_updatedAt":"2023-02-06T14:15:08Z","AnchorName":"cashisacashvsstockmarket","id":"-5998ade6-6cd2-5c0b-9eaf-36b21795b5b5","children":[],"parent":null}},{"_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. 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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":{"_id":"image-2dc95e3136f45e7f000df00ddebc9a4ed4d299d0-1920x1080-png","_type":"sanity.imageAsset","_rev":"po63zhrf7m2ubFBN7OQr4J","_createdAt":"2025-04-02T09:14:41Z","_updatedAt":"2025-04-02T09:14:41Z","assetId":"2dc95e3136f45e7f000df00ddebc9a4ed4d299d0","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"M9S?DW%M%2%MRk_Ms;V[bFRQM{jbtQWUWB","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":"#53545c","foreground":"#fff","population":0.04,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#681b39","foreground":"#fff","population":0,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#b1c9d6","foreground":"#000","population":0.15,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#b1c9d6","foreground":"#000","population":0.15,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#fc8cbc","foreground":"#000","population":0,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#74b49c","foreground":"#000","population":0.01,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#d86c95","foreground":"#fff","population":0.02,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"Cash versus stocks.png","path":"images/k8qzcdw3/prod1503/2dc95e3136f45e7f000df00ddebc9a4ed4d299d0-1920x1080.png","sha1hash":"2dc95e3136f45e7f000df00ddebc9a4ed4d299d0","size":264611,"uploadId":"quq6acfnxI01kZ6ztOtAxPBlkNmhqr4n","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/2dc95e3136f45e7f000df00ddebc9a4ed4d299d0-1920x1080.png","filename":"Cash versus stocks.png","width":1920,"height":1080,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/2dc95e3136f45e7f000df00ddebc9a4ed4d299d0-1920x1080.png?rect=600,0,720,1080&w=%width%&h=%height%&q=80","id":"image-2dc95e3136f45e7f000df00ddebc9a4ed4d299d0-1920x1080-png","children":[],"parent":null},"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":{"_id":"1fef5638-2936-4cfb-8c37-33c8eb453385","_type":"anchorCategory","_rev":"PZq3D7oQCo96ts7zrAOzYt","_createdAt":"2023-02-06T14:15:28Z","_updatedAt":"2023-02-06T14:15:28Z","AnchorName":"cashisashorttermvslongterm","id":"-4d6b6c5d-7fe9-543e-9b99-354e79e80d60","children":[],"parent":null}},{"_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":{"_id":"a334c9d7-cdb6-4dab-ae4a-8205a37ed586","_type":"anchorCategory","_rev":"863aizRoMMlTw9aU7I4IM9","_createdAt":"2025-01-30T14:52:32Z","_updatedAt":"2025-01-30T14:52:36Z","AnchorName":"commonmistakes","id":"-452264a0-1b25-5f57-8500-f6941667c3aa","children":[],"parent":null}},{"_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":[{"_id":"93c8563a-3c8a-440c-aa52-1792f61017f3","_type":"category","_rev":"V9pcEhLmXMYJkeJp3rHdlS","_createdAt":"2022-03-15T12:44:54Z","_updatedAt":"2023-04-28T10:52:05Z","title":"ISA - Cash 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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. 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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. 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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":{"_id":"a21e4a74-7750-44ad-bd40-230156847804","_type":"breadcrumbCategory","_rev":"Y5kDbcTkvCiSxEgd6YZfmV","_createdAt":"2025-03-28T14:55:46Z","_updatedAt":"2025-03-28T14:56:09Z","breadcrumbList":[{"_key":"2000de7a2f1a","_type":"breadcrumbReference","linkReference":{"_ref":"77a8222e-6c69-4668-941b-910d7abe4cff","_type":"reference"},"title":"Money Guides"},{"_key":"ceaabb18c790","_type":"breadcrumbReference","linkReference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"},"title":"Cash ISA"}],"breadcrumbName":"Cash ISA Guide","id":"-d069aec5-82eb-5a33-a0b2-aade8f5ded62","children":[],"parent":null},"publishedAt":"2025-04-07T13:41:20.331Z","slug":{"_type":"slug","current":"cash-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","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},"title":"Cash ISA"}],"breadcrumbName":"Cash ISA Guide","id":"-d069aec5-82eb-5a33-a0b2-aade8f5ded62","children":[],"parent":null},"publishedAt":"2025-04-07T13:41:20.331Z","slug":{"_type":"slug","current":"cash-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","theme":"Boring Money theme","title":"Cash ISA Guide: Allowances, Easy Access vs Fixed Rate, and Common Mistakes","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? 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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":{"_id":"224d5d05-5125-4c55-9f64-54bd1984234b","_type":"anchorCategory","_rev":"AOHhUu2RBxOWOkq8fh1J3E","_createdAt":"2023-07-14T13:15:36Z","_updatedAt":"2023-07-14T13:15:36Z","AnchorName":"whatareshares","id":"-ef1d48f5-9c7d-5002-a80b-110fb23586db","children":[],"parent":null}},{"_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":{"_id":"418e4e74-c858-4625-9d7a-8c06f7c6e4ad","_type":"anchorCategory","_rev":"DmK61VtPyEhMsfOjcsZCmQ","_createdAt":"2022-02-14T11:48:21Z","_updatedAt":"2022-02-14T11:48:21Z","AnchorName":"shares/aresharesrightforme?","id":"-b1a3facd-0d3e-5ce8-9d0f-f9a0426f9767","children":[],"parent":null}},{"_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":{"_id":"126f92a2-61db-45bc-9444-4172007cc99b","_type":"anchorCategory","_rev":"9Iwq1IBZWCIlcexDDoWXnr","_createdAt":"2024-04-15T15:09:51Z","_updatedAt":"2024-04-15T15:09:51Z","AnchorName":"cashvsshares","id":"-113f1936-9ad6-56d0-b149-7bdcbad33613","children":[],"parent":null}},{"_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":{"_id":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"glossaryHover","_rev":"lTp2d2CYb7e7Sxre7E5WU3","_createdAt":"2025-04-30T13:42:54Z","_updatedAt":"2025-04-30T13:43:13Z","description":"Also called “Footsie”, 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.","title":"FTSE 100","id":"-a54941b3-75e6-5613-bd46-3ed80c5c54e9","children":[],"parent":null}},{"_key":"ccbe1340ca9f","_type":"glossaryPick","reference":{"_id":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"glossaryHover","_rev":"cgOXYc5fbaZoufJX9Z3fRz","_createdAt":"2025-05-01T14:42:09Z","_updatedAt":"2025-05-01T14:45:19Z","description":"A global index that tracks large and medium-sized companies from 23 developed countries around the world.","title":"MSCI World","id":"-3f82d13b-ff3c-5e83-961e-ef18e3f0a260","children":[],"parent":null}}],"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":{"_id":"223c3cb3-164a-4144-b7ec-60a049133752","_type":"anchorCategory","_rev":"kUfSQGlso2185X04I8v0wU","_createdAt":"2024-04-15T15:08:58Z","_updatedAt":"2024-04-15T15:08:58Z","AnchorName":"willsharesoutperformcash","id":"-66c6d3e7-b5f6-571c-98c3-cb4fe4441eb0","children":[],"parent":null}},{"_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 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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":{"_id":"b51797d9-dc13-41da-a375-b898f0a9e850","_type":"anchorCategory","_rev":"KoLyCpXIGU95m7jfEOLnAT","_createdAt":"2022-12-12T14:43:24Z","_updatedAt":"2022-12-28T09:02:11Z","AnchorName":"howcanibuyshares","id":"-1f8dd7ea-3019-58ea-b992-53cc301ab438","children":[],"parent":null}},{"_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. 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Independent analysis of beginner-friendly investment platforms across UK providers."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"16785608d00c","_type":"block","children":[{"_key":"0de247f54635","_type":"span","marks":[],"text":"Who won the Boring Money Best For Beginners Award 2026?"}],"markDefs":[],"style":"h3"},{"_key":"afb89f03ccbf","_type":"block","children":[{"_key":"b6bd31a332bf","_type":"span","marks":[],"text":"The winners are "},{"_key":"86ddff7bfffb","_type":"span","marks":["strong"],"text":"Bestinvest, Dodl, J.P. Morgan Personal Investing, Moneybox, Monzo, PensionBee, Quilter Invest, and Vanguard"},{"_key":"086d4fffa4a5","_type":"span","marks":[],"text":". These providers were selected through independent testing focused on guidance and user experience, examining 10 different scenarios across 5 portfolio sizes (£1,000 to £50,000), plus feedback from over 27,000 real customer reviews."}],"markDefs":[],"style":"normal"},{"_key":"ce35f84cb646","_type":"block","children":[{"_key":"8e3003650d84","_type":"span","marks":[],"text":"Find your perfect beginner platform"}],"markDefs":[],"style":"h3"},{"_key":"7a73de890eb6","_type":"block","children":[{"_key":"9bb1d114dc4f","_type":"span","marks":["strong"],"text":"Moneybox"},{"_key":"b6a91273560d","_type":"span","marks":[],"text":" for mobile simplicity? "},{"_key":"afddb14022d5","_type":"span","marks":["strong"],"text":"Bestinvest"},{"_key":"45e8f69a4276","_type":"span","marks":[],"text":" for human guidance? 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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":{"_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":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"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":{"_ref":"c092d7ca-1d59-4a6f-ae22-c1659dda889d","_type":"reference"}},{"_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":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"},"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":{"_ref":"60941be5-1a4f-426e-b588-7699bee46271","_type":"reference"}},{"_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":{"_ref":"a5632083-6993-47e2-9bc1-07d0a86ad84c","_type":"reference"}},{"_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":{"_ref":"bcd041ed-8ed5-4fc7-8abd-21ee28def30c","_type":"reference"}},{"_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":{"_ref":"b8467767-7e11-4c31-bea1-aa9f5262781c","_type":"reference"}},{"_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":{"_ref":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"reference"},"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":{"_ref":"508b9184-a3ee-4f2c-b9cd-5c61ac88dfaa","_type":"reference"}}],"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":{"_ref":"c4a944ee-6d37-4a32-ad78-476434729026","_type":"reference"},"text":"READ MORE"},{"_key":"90c958e3a76f","_type":"block","children":[{"_key":"58ff5f53dc6e","_type":"span","marks":[],"text":""},{"_key":"d942deccb966","_type":"mainAnchor","pageAnchor":{"_ref":"614ab4cf-e295-402a-90a2-ddce00934029","_type":"reference"}},{"_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":{"_ref":"f0e25e55-88ef-4bd3-96fb-2ea766606d57","_type":"reference"}},{"_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":{"_ref":"75cfa314-bcb6-4835-9c3d-28febc21b8d6","_type":"reference"},"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":{"_ref":"145cfde5-0dfc-42d5-920b-0b191331e84e","_type":"reference"}}],"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":{"_ref":"b300e7f8-9ee8-475d-85f0-bcccebda9deb","_type":"reference"}}],"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":{"_ref":"39231df5-0e90-4b9c-abc7-f980c11317c9","_type":"reference"}}],"style":"normal"}],"categories":[{"_key":"1a989c0fd8ee","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"},{"_key":"761051b73014","_ref":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","_type":"reference"},{"_key":"89ab44c91dc9","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"}],"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. 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Great for investing overseas and for outsourcing the decision-making to a professional."}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":true,"linkMenu":[{"_key":"8b72c2502fe7","_ref":"e7ee7375-de0b-4584-ab7c-316ed8adfc92","_type":"reference"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-38ee5a76884f602245c15a08ea6cd1cc47fe4200-3840x2160-png","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"607e940b-a7e0-4ec1-a5fa-7ee603b14620","_type":"reference"},"publishedAt":"2025-01-02T15:32:00.000Z","slug":{"_type":"slug","current":"funds"},"subfolder":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"template":"C-SB","theme":"Boring Money theme","title":"Funds Explained: The Ultimate No-Nonsense Guide for Beginners","widgets":[{"_key":"a1d6c66ee3f9","_ref":"79cbfce0-99a3-451e-82d4-c0b6a4487777","_type":"reference"},{"_key":"b7ac1bdd3211","_ref":"2d98a13f-5211-453c-be9e-9785894654db","_type":"reference"},{"_key":"29af377eda10","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-f6d3c7d4-0bf0-58b1-9af8-32ef06151a6c","children":[],"parent":null}}],"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. 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"}],"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. 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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. 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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. 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"}],"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. 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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. 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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":{"_id":"c51dfbf0-7502-4c5d-b54d-cb8a53aaf690","_type":"anchorCategory","_rev":"wvJta9ElXUYLPkPUBQbkJW","_createdAt":"2023-01-31T23:06:00Z","_updatedAt":"2023-01-31T23:06:00Z","AnchorName":"whatisastocksandsharesisa","id":"-8e5d7fa1-027c-54e3-8a20-99ad942b9670","children":[],"parent":null}},{"_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":{"_id":"decc7a5d-2a64-4c9b-9fa6-aac6a4a89581","_type":"questionPost","_rev":"p80vVKKv7dE0kc2lnycvb6","_createdAt":"2025-09-23T15:06:51Z","_updatedAt":"2025-09-23T15:36:33Z","_system":{"base":{"id":"decc7a5d-2a64-4c9b-9fa6-aac6a4a89581","rev":"HS8bHFoFwCoVWzp17KBHjt"}},"adviser":[{"_key":"d16be8494d4b","_type":"personReference","people":{"_ref":"2234bd4d-6071-4ef0-bd30-f507f25ebf07","_type":"reference"}}],"answer":[{"_key":"154b41c0961d","_type":"block","children":[{"_key":"f5ba5f1d2d1b","_type":"span","marks":[],"text":"Hi Robert,"}],"markDefs":[],"style":"normal"},{"_key":"ab065140442d","_type":"block","children":[{"_key":"8f5eafe6708f","_type":"span","marks":[],"text":"Thanks for raising this - it’s a great question and you’re certainly not alone. Flexible "},{"_key":"cfbd9089e424","_type":"span","marks":["327e821e49da"],"text":"ISAs"},{"_key":"cac174563cea","_type":"span","marks":[],"text":" catch a lot of people by surprise."}],"markDefs":[{"_key":"327e821e49da","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"},{"_key":"6cbf30c1361f","_type":"block","children":[{"_key":"8b229c225049","_type":"span","marks":[],"text":"In a nutshell: a flexible ISA lets you take money out and put it back in again "},{"_key":"552502d6b434","_type":"span","marks":["em"],"text":"within the same tax year"},{"_key":"7daeff71bb24","_type":"span","marks":[],"text":" without it eating into your £20,000 annual allowance. So, if you need to dip into the ISA - for example to bridge a house purchase, as you have done - you can replace the money later that year and it doesn’t count twice."}],"markDefs":[],"style":"normal"},{"_key":"61c45d9193cb","_type":"block","children":[{"_key":"494b0bbe0ec0","_type":"span","marks":[],"text":"As you have discovered, not every provider offers this though. HMRC introduced these new rules back in 2016, but it’s optional, not a requirement. Some providers have embraced it, others prefer to keep things simple and avoid the extra admin - so you’ll find that some ISAs (especially "},{"_key":"085dcfdabedc","_type":"span","marks":["a5b6163cc85e"],"text":"Cash ISAs"},{"_key":"85506537e74b","_type":"span","marks":[],"text":") are flexible while others, like certain "},{"_key":"66b7a9abef35","_type":"span","marks":["35ccbebce51f"],"text":"Stocks & Shares ISAs"},{"_key":"80ea641c3855","_type":"span","marks":[],"text":", aren’t."}],"markDefs":[{"_key":"a5b6163cc85e","_type":"internalLinkPick","reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"}},{"_key":"35ccbebce51f","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"b28a7c8b3b5a","_type":"block","children":[{"_key":"d8b5aae09243","_type":"span","marks":[],"text":"A big reason for this is technology. Many providers still run on older, clunky IT systems, and building flexible ISA functionality can be expensive or tricky to integrate. Only those who see it as a real draw for customers tend to prioritise it. The good news is that the industry is gradually becoming more technologically adept as these legacy systems are replaced or upgraded, so features like this should become more common and less costly to offer over time."}],"markDefs":[],"style":"normal"},{"_key":"8c800a5b8f41","_type":"block","children":[{"_key":"22f679169df0","_type":"span","marks":[],"text":"It is surprisingly under-publicised as a benefit. Providers who don’t offer it aren’t likely to shout about it, and most people don’t think about temporary withdrawals until they suddenly need one - so the feature tends to stay hidden in the small print."}],"markDefs":[],"style":"normal"},{"_key":"552efd11235b","_type":"block","children":[{"_key":"05725d8ad224","_type":"span","marks":[],"text":"If you think you might need short-term access to your ISA money - say for a house move or a big one-off expense - it’s worth checking whether your provider has a flexible option before you withdraw."}],"markDefs":[],"style":"normal"},{"_key":"c3f6ef45f083","_type":"block","children":[{"_key":"2fff19938ce3","_type":"span","marks":[],"text":"While it would certainly help if these rules were better publicised, one way to stay ahead is to "},{"_key":"2b1ef7da2ff9","_type":"span","marks":["0e1487129eb9"],"text":"work with a qualified financial adviser"},{"_key":"2c9faf6eb170","_type":"span","marks":[],"text":". An adviser can ensure that everything you’re doing - across ISAs and your wider finances - is fully optimised for your own circumstances and goals."}],"markDefs":[{"_key":"0e1487129eb9","_type":"internalLinkPick","reference":{"_ref":"e0c498d2-703f-4a15-98bc-06f3451e7dc6","_type":"reference"}}],"style":"normal"},{"_key":"cbc5eca74c77","_type":"block","children":[{"_key":"1c629eac2d72","_type":"span","marks":[],"text":"Hope this helps!"}],"markDefs":[],"style":"normal"},{"_key":"7fbea738387a","_type":"block","children":[{"_key":"06a0ed0d647b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"04bd54a0eb7a","_type":"block","children":[{"_key":"bc3521337ade","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"234423b53b9c","_type":"block","children":[{"_key":"09f65938884e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"eb098d4256a5","_type":"block","children":[{"_key":"e0d59c7adc22","_type":"span","marks":["strong","em"],"text":"Important information"}],"markDefs":[],"style":"normal"},{"_key":"d308eec4ba4d","_type":"block","children":[{"_key":"594e4ee22ddb","_type":"span","marks":["em"],"text":"The information provided is for general guidance only and does not constitute personal financial advice or a recommendation. It is based on current understanding of HMRC rules and tax legislation, which may be subject to change. This response is intended to address your query in general terms; for advice tailored to your specific circumstances, a personalised financial review would be required. Past performance is not a guide to future performance and may not be repeated. The value of investments and the income from them may go down as well as up and investors may not get back the amount originally invested."}],"markDefs":[],"style":"normal"}],"body":[{"_key":"1191961a70d0","_type":"block","children":[{"_key":"b75d16b61788","_type":"span","marks":[],"text":"In spite of having invested in ISAs for many years, I was unaware of ‘flexible' ISAs. "}],"markDefs":[],"style":"normal"},{"_key":"baa2087449d4","_type":"block","children":[{"_key":"c4a02bc38866","_type":"span","marks":[],"text":"I had to encash a significant amount invested in ISAs, rather than taking a difficult-to-arrange bridging loan, earlier this year when we bought a new house before selling the old house. I only became aware of the flexible ISA when I queried a dialogue box with the platform provider (CSD) indicating that I could invest the amount that I had taken out. I then checked the relevant .gov website which confirmed that it was correct. Another platform provider (HL), where I also encashed a significant amount held in an ISA, just confirmed that their ISA is not flexible. "}],"markDefs":[],"style":"normal"},{"_key":"67302b93537f","_type":"block","children":[{"_key":"1c5e90f1102c","_type":"span","marks":[],"text":"Are flexible ISAs common? Why would one provider offer a flexible ISA and another not? Why is there not more publicity about them? In my particular circumstance, having a flexible ISA (even 1) has offered great benefit."}],"markDefs":[],"style":"normal"}],"categories":[{"_key":"5e08ae635fb9","_ref":"d67a23c8-c6a9-4918-a6cd-1bd9d4f0e647","_type":"reference"}],"dashboardId":"c53d1d6a-2b11-4c35-8215-06a594e3a11a","excerpt":[{"_key":"f6f19e8a5384","_type":"block","children":[{"_key":"c7eb12586b57","_type":"span","marks":[],"text":"What is a flexible ISA? How do they work? And why doesn't every ISA provider offer one? Discover the often-overlooked perk of flexible withdrawals and how it can make calculating your annual ISA allowance a whole lot easier."}],"markDefs":[],"style":"normal"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-57c17faf5f0affb0b4c87ecd60f97aa34bd2a311-1920x1080-png","_type":"reference"},"blankAltTag":true},"publishedAt":"2025-09-23T15:36:32.360Z","readerFirstName":"Robert","slug":{"_type":"slug","current":"what-is-a-flexible-isa-and-why-doesn-t-every-provider-offer-one"},"template":"C-SB","title":"What is a flexible ISA and why doesn't every provider offer one?","id":"-571386a4-63e0-515d-b46b-26d05a38f830","children":[],"parent":null}}],"style":"normal"},{"_key":"2eb50191f038","_type":"block","children":[{"_key":"882585431f3a","_type":"span","marks":[],"text":""},{"_key":"8c9d07a1b021","_type":"mainAnchor","pageAnchor":{"_id":"f7f5e256-63dc-4d19-9d8d-31a6e15b7bbb","_type":"anchorCategory","_rev":"xjLKnlFrh2WM7l3TdJ9ZTL","_createdAt":"2023-01-31T23:06:12Z","_updatedAt":"2023-01-31T23:06:12Z","AnchorName":"howdostocksandsharesisaswork","id":"-482dcf64-b139-5683-abf3-313991fdc792","children":[],"parent":null}},{"_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":{"_id":"03489c0e-4cd2-48d7-8700-e6eb389280d6","_type":"anchorCategory","_rev":"PZq3D7oQCo96ts7zqRhQ3O","_createdAt":"2023-01-31T23:06:30Z","_updatedAt":"2023-01-31T23:06:30Z","AnchorName":"isastocksandsharesisarightforme","id":"-6d299f27-c515-5638-9ced-5181e8343bc3","children":[],"parent":null}},{"_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":{"_id":"61abfcc5-ca28-406e-af55-8b50ff2af72f","_type":"anchorCategory","_rev":"xjLKnlFrh2WM7l3TdJ9igZ","_createdAt":"2023-01-31T23:06:47Z","_updatedAt":"2023-01-31T23:06:47Z","AnchorName":"stocksandsharesvscash","id":"-b4999d6f-e435-5cd3-ac88-90c4283bf9bc","children":[],"parent":null}},{"_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":{"_id":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"glossaryHover","_rev":"lTp2d2CYb7e7Sxre7E5WU3","_createdAt":"2025-04-30T13:42:54Z","_updatedAt":"2025-04-30T13:43:13Z","description":"Also called “Footsie”, 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.","title":"FTSE 100","id":"-a54941b3-75e6-5613-bd46-3ed80c5c54e9","children":[],"parent":null}},{"_key":"405dad0129e4","_type":"glossaryPick","reference":{"_id":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"glossaryHover","_rev":"cgOXYc5fbaZoufJX9Z3fRz","_createdAt":"2025-05-01T14:42:09Z","_updatedAt":"2025-05-01T14:45:19Z","description":"A global index that tracks large and medium-sized companies from 23 developed countries around the world.","title":"MSCI World","id":"-3f82d13b-ff3c-5e83-961e-ef18e3f0a260","children":[],"parent":null}}],"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":"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":{"_id":"abce80e4-d3d9-4aac-abc1-510b2c118415","_type":"anchorCategory","_rev":"wvJta9ElXUYLPkPUBQc3gU","_createdAt":"2023-01-31T23:07:19Z","_updatedAt":"2023-01-31T23:07:19Z","AnchorName":"stocksandsharesshorttermvslongterm","id":"-89e7dc03-427f-5fc8-b0b9-81ca20a497e6","children":[],"parent":null}},{"_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"},{"LeftSideText":[{"_key":"29e5815ac3a7","_type":"block","children":[{"_key":"706f02f0f1f2","_type":"span","marks":[],"text":"FREE TOOL: Not sure which ISA or pension is right for you?"}],"markDefs":[],"style":"h4"},{"_key":"413101212e38","_type":"block","children":[{"_key":"689ff7bc39ee","_type":"span","marks":[],"text":"Answer 6 questions. Get 3 tailored recommendations. Independent, unbiased, free."}],"markDefs":[],"style":"normal"}],"_key":"8c91ab282a38","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"reference":{"_id":"249771c5-00b0-4103-9775-fe8bb8339397","_type":"landingPage","_rev":"dYqsvOMxP9jV5rRpp4dSYP","_createdAt":"2026-04-27T08:52:58Z","_updatedAt":"2026-05-08T08:06:14Z","_system":{"base":{"id":"249771c5-00b0-4103-9775-fe8bb8339397","rev":"bGTpLJJBDOomVeSBn4zQ4l"}},"content":[{"_key":"73d059cf2aed","_type":"breadcrumb","breadcrumbs":[{"_key":"fc42843c7b0b","_type":"breadcrumbReference","linkReference":{"_ref":"37347386-bc07-4ea5-af38-a21e35b3a39a","_type":"reference"},"title":"Compare Providers"},{"_key":"f0967796b512","_type":"breadcrumbReference","linkReference":{"_ref":"249771c5-00b0-4103-9775-fe8bb8339397","_type":"reference"},"title":" Find the Best ISA or Pension for You"}]},{"_key":"fada32817493","_type":"investmentFinder","finderTitle":"ISA & Pension Finder - BETA"},{"_key":"fc2425284281","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"bcecbfef8e93","_type":"block","children":[{"_key":"d36e0411aa37","_type":"span","marks":["strong"],"text":"How we find the right ISA or pension for you"}],"markDefs":[],"style":"normal"},{"_key":"82cc1258845c","_type":"block","children":[{"_key":"54d66207fe3a","_type":"span","marks":[],"text":"Our ISA and Pension Finder is a free, independent tool designed to match you with the investment provider that best suits your needs. Answer six short questions; it takes around two minutes, and we'll surface three tailored recommendations, each scored using a combination of our own research team's analysis and real customer reviews. The tool covers Stocks & Shares ISAs, Lifetime ISAs (LISAs), Junior ISAs (JISAs), and pensions."}],"markDefs":[],"style":"normal"},{"_key":"375c357b54ee","_type":"block","children":[{"_key":"bb49267017de","_type":"span","marks":[],"text":"The recommendations are rooted in the same methodology behind the Boring Money Best Buy Awards, which take our in-house analysts over three months to research and compile each year. We draw on over 31,000 customer reviews, detailed cost analysis across different portfolio sizes, website and app testing from live accounts, customer service testing, and the expert view of our Founder and CEO, Holly Mackay. We also assess each platform on value, service quality, and how long they've been established in the market."}],"markDefs":[],"style":"normal"},{"_key":"502262e3ed74","_type":"block","children":[{"_key":"f95e6b7aff22","_type":"span","marks":[],"text":"The result is a shortlist you can actually trust. No featured provider pays for inclusion in this tool."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How we find the right ISA or pension for you"},{"_key":"b586d5fd77db","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"ada96672f096","_type":"block","children":[{"_key":"314b1c0ebe57","_type":"span","marks":["strong"],"text":"What is a Stocks & Shares ISA"}],"markDefs":[],"style":"normal"},{"_key":"dd075f1f34c6","_type":"block","children":[{"_key":"d3da17d5fb97","_type":"span","marks":[],"text":"A "},{"_key":"5f149a11056a","_type":"span","marks":["d6b8ce0f298f"],"text":"Stocks & Shares ISA"},{"_key":"82999b0b421f","_type":"span","marks":[],"text":" lets you invest in the stock market without paying tax on any profits, interest, or dividends you make. Every UK adult can put up to £20,000 in per tax year, and your money stays tax-free for as long as it's invested."}],"markDefs":[{"_key":"d6b8ce0f298f","_type":"internalLinkPick","blank":true,"reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"3b99dd5a2884","_type":"block","children":[{"_key":"6e63c11c9ce0","_type":"span","marks":[],"text":"Unlike a "},{"_key":"50cfc1d9ad04","_type":"span","marks":["3f03851c4f49"],"text":"Cash ISA"},{"_key":"484972727fd3","_type":"span","marks":[],"text":", your money is exposed to market ups and downs, so it works best for people with a five-year-plus investing horizon who can ride out any rough patches. The trade-off is that historically, stock markets have significantly outperformed cash over the long term."}],"markDefs":[{"_key":"3f03851c4f49","_type":"internalLinkPick","blank":true,"reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"}}],"style":"normal"},{"_key":"b7e136ab9820","_type":"block","children":[{"_key":"e7c84e6881c2","_type":"span","marks":[],"text":"You can get started from as little as £1 a month, and withdrawals are flexible. Only around 15% of UK adults currently hold one, despite the tax benefits being substantial."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Stocks & Shares ISA"},{"_key":"40d1e6b7e1a8","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"112a4f5a3456","_type":"block","children":[{"_key":"2e3b967b548a","_type":"span","marks":["strong"],"text":"How many Stocks & Shares ISAs can I have?"}],"markDefs":[],"style":"normal"},{"_key":"cdce826d5173","_type":"block","children":[{"_key":"f9de034e4b35","_type":"span","marks":[],"text":"You can hold multiple Stocks & Shares ISAs with different providers, and since April 2024 you can now pay into more than one in the same tax year. Previously you were restricted to funding just one of each ISA type per year. Your total contributions across all ISAs still cannot exceed the £20,000 annual allowance."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How many Stocks & Shares ISAs can I have?"},{"_key":"d6557798f95aae9166dd47b671371b8e","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"0b1b81b8fced","_type":"block","children":[{"_key":"647035ac2f9b","_type":"span","marks":["strong"],"text":"Can you have a Cash ISA and a Stocks & Shares ISA?"}],"markDefs":[],"style":"normal"},{"_key":"a1239342ef07","_type":"block","children":[{"_key":"346684e6e919","_type":"span","marks":[],"text":"Yes. You can hold both a Cash ISA and a Stocks & Shares ISA at the same time, and since April 2024 you can pay into both in the same tax year. The only rule is that your combined contributions across all ISAs cannot exceed the £20,000 annual allowance. So you could, for example, put £10,000 into a Cash ISA and £10,000 into a Stocks & Shares ISA in the same year."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Can you have a Cash ISA and a Stocks & Shares ISA?"},{"_key":"0d14c9611d066edde1521f2b24f4fbcf","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"52b735920f83","_type":"block","children":[{"_key":"0b8cd50ae7ab","_type":"span","marks":["strong"],"text":"Do you pay tax on a Stocks & Shares ISA?"}],"markDefs":[],"style":"normal"},{"_key":"5d4063f23a01","_type":"block","children":[{"_key":"8f76784ceccf","_type":"span","marks":[],"text":"No. Any profits, dividends, and interest earned inside a Stocks & Shares ISA are completely tax-free. You won't pay "},{"_key":"746501e20138","_type":"span","marks":["9f0fc32f1ef8"],"text":"capital gains tax"},{"_key":"befb55e85286","_type":"span","marks":[],"text":" when you sell investments at a profit, no tax on dividends, and no tax on interest, regardless of how much you make."}],"markDefs":[{"_key":"9f0fc32f1ef8","_type":"internalLinkPick","blank":true,"reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}}],"style":"normal"},{"_key":"42a92b9747cd","_type":"block","children":[{"_key":"5d3d96b2cff0","_type":"span","marks":[],"text":"Outside an ISA, all three of these would potentially be taxable once you exceed your annual allowances. The ISA wrapper removes that complexity entirely."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Do you pay tax on a Stocks & Shares ISA?"},{"_key":"b1bc9de0103deda66aec2c9caf976c48","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"52aed0165a57","_type":"block","children":[{"_key":"9019a4836efa","_type":"span","marks":["strong"],"text":"What is a Junior ISA (JISA)?"}],"markDefs":[],"style":"normal"},{"_key":"ddafdb407a60","_type":"block","children":[{"_key":"591f8d3bb88a","_type":"span","marks":[],"text":"A Junior ISA is a tax-free savings or investment account for children under 18. Parents or guardians can open one on a child's behalf and anyone can contribute, up to £9,000 per tax year. The money is locked away until the child turns 18, at which point it automatically becomes an adult ISA in their name."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Junior ISA (JISA)?"},{"_key":"0e5b360c1ca13ed038e25611bbb8c547","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"8ae67a45fc6b","_type":"block","children":[{"_key":"448c61fc6b6e","_type":"span","marks":["strong"],"text":"What is a Lifetime ISA (LISA)?"}],"markDefs":[],"style":"normal"},{"_key":"4b58fdf762ee","_type":"block","children":[{"_key":"33eb5833fabe","_type":"span","marks":[],"text":"A Lifetime ISA is a government-backed account for adults aged 18–39, designed to help you save either for your first home or for retirement. You can save up to £4,000 per year, and the government adds a 25% bonus on top, up to £1,000 a year. The money can only be withdrawn penalty-free to buy a first home (worth up to £450,000) or from age 60 onwards."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Lifetime ISA (LISA)?"},{"_key":"066fe5a181e6","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"dc69d0ef7358","_type":"block","children":[{"_key":"b6f041a39e65","_type":"span","marks":["strong"],"text":"We'd love your"},{"_key":"f06400292134","_type":"span","marks":["5bd06b1e27d1","strong"],"text":" feedback"},{"_key":"d4c3363c2ebb","_type":"span","marks":["strong"],"text":"."}],"markDefs":[{"_key":"5bd06b1e27d1","_type":"internalLinkPick","blank":true,"reference":{"_ref":"789ad7dd-f1a8-4606-9075-20ecba5e0f6b","_type":"reference"}}],"style":"normal"}],"linkText":"Contact us","reference":{"_ref":"789ad7dd-f1a8-4606-9075-20ecba5e0f6b","_type":"reference"},"styles":"White"}],"excerpt":[{"_key":"c698ae2f78c6","_type":"block","children":[{"_key":"0977565871d8","_type":"span","marks":[],"text":"Answer 6 quick questions and find the best Stocks & Shares ISA, pension, LISA, or JISA for your needs. Independent, unbiased, and free from Boring Money."}],"markDefs":[],"style":"normal"}],"publishedAt":"2026-04-27T08:52:38.353Z","slug":{"_type":"slug","current":"isa-pension-finder"},"subfolder":{"_id":"296cd157-5755-403a-80a5-cc8dafb6dc99","_type":"folderCategory","_rev":"FW1NJKvivUBn8c48tVwRjs","_createdAt":"2023-03-21T13:53:17Z","_updatedAt":"2023-06-21T14:32:13Z","description":"For comparing providers and platforms.","folder":"/compare/","id":"-3cc18bd4-d047-5447-8e4a-e0773446c736","children":[],"parent":null},"title":"ISA & Pension Finder | Find the Best Investment Platform for You | Boring Money","id":"-f2831a00-2ebb-5d7c-9880-dc5cf5bcb7f5","children":[],"parent":null},"text":"FIND MY ISA"},{"_key":"50f10f0f6a8a","_type":"block","children":[{"_key":"0876d3b43bc1","_type":"span","marks":[],"text":""}],"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%. 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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. 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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. 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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":{"_ref":"79fcc0a0-e069-4ec5-b1ea-8a6a48d6fb5e","_type":"reference"},"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":{"_ref":"fdb02161-4452-428f-b5f2-e2feca21222f","_type":"reference"},"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! 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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. 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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. 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"}],"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}}],"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":{"_id":"f1074ea6-e7b0-475f-9cb0-4a22d74cebf5","_type":"information","_rev":"nN27B2ANLaElWH46BMKw3d","_createdAt":"2023-02-06T14:33:09Z","_updatedAt":"2026-05-29T13:31:40Z","_system":{"base":{"id":"f1074ea6-e7b0-475f-9cb0-4a22d74cebf5","rev":"rCROcANhqWKbx5SCbrx0Em"}},"authors":[{"_key":"6b05cf0e4882","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"390b01dc8813","_type":"block","children":[{"_key":"8091f6d70b56","_type":"span","marks":[],"text":"By "},{"_key":"0c1d484cc780","_type":"span","marks":["strong"],"text":"Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"323f34c475df","_type":"block","children":[{"_key":"e9cabfbb6a460","_type":"span","marks":["strong"],"text":"Deciding between a Cash ISA and a Stocks & Shares ISA can be a tricky task. Before we dive into the specifics, let’s make sure we’ve got a good grasp of the basics. Do you know how the different types of ISA work? What’s the difference between a Cash ISA and a Stocks & Shares ISA? And when can you, and can't you, use a Lifetime ISA?"}],"markDefs":[],"style":"normal"},{"_key":"45f2fe639510","_type":"mainImage","alt":"Cash ISA vs Stocks & Shares ISA: Which should you choose? 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There are also other types of ISA, such as "},{"_key":"53595d3edd44","_type":"span","marks":["d2d47dfa1100"],"text":"Lifetime ISAs"},{"_key":"d08e322b9c1f","_type":"span","marks":[],"text":" and "},{"_key":"da9dca91658f","_type":"span","marks":["e89e56e033b8"],"text":"Junior ISAs"},{"_key":"37b5552fee55","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"d2d47dfa1100","_type":"internalLinkPick","reference":{"_ref":"f87e514a-5bd1-4a7c-95cd-f1676e520028","_type":"reference"}},{"_key":"e89e56e033b8","_type":"internalLinkPick","reference":{"_ref":"10ff81a7-9b4e-4d42-bf3c-c4bec3734358","_type":"reference"}}],"style":"normal"},{"_key":"9f97b3e89249","_type":"textboxWidget","text":[{"_key":"b2e34fe45b14","_type":"block","children":[{"_key":"60b3ea1e1a50","_type":"span","marks":["strong"],"text":"Every adult in the UK can:"}],"markDefs":[],"style":"normal"},{"_key":"901411c28376","_type":"block","children":[{"_key":"6394677b190c","_type":"span","marks":[],"text":"Save up to £20,000 into an ISA in any single tax year, without paying tax. The current tax year runs from 6 April 2023 to 5 April 2024."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"139d6982300e","_type":"block","children":[{"_key":"81010b6b0151","_type":"span","marks":[],"text":"Only open and pay into one of each type of ISA - such as a Cash or Stocks & Shares ISA - per tax year."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"b91d3630f03b","_type":"block","children":[{"_key":"d2b8d6356bfa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"74747f4c1f31","_type":"block","children":[{"_key":"83cbfc01affe","_type":"span","marks":[],"text":"Also, your £20,000 annual allowance is split across all the ISAs you own. For example - let's say you open a Cash ISA and a Stocks & Shares ISA - if you put £15,000 into your Cash ISA during this tax year, you could put a maximum of £5,000 into your Stocks & Shares one. "}],"markDefs":[],"style":"normal"},{"_key":"9c0efe23f202","_type":"block","children":[{"_key":"bb8880b17196","_type":"span","marks":[],"text":"What is a Cash ISA?"}],"markDefs":[],"style":"h3"},{"_key":"55be609afe11","_type":"block","children":[{"_key":"5bb07b16c696","_type":"span","marks":[],"text":"A Cash ISA is a type of ISA where your money is kept in cash – rather than being invested – where it can gain interest over time. This type of ISA favours high interest rates so that you can squeeze the most out of your money. You can tuck away up to £20,000 into a Cash ISA every year without paying any tax, which sounds like a no-brainer at first, but you should also consider that cash is especially vulnerable to inflation and could lose some of its purchasing power over time."}],"markDefs":[],"style":"normal"},{"_key":"2b55c0e1d7c6","_type":"block","children":[{"_key":"f364be4af281","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a7b29779d213","_type":"prosConsWidget","cons":["You're saving for a long period of time","Inflation is high","Interest rates are low"],"consTitle":"Bad if...","pros":["You're saving for an important goal","You might need quick access to your cash","Interest rates are high"],"prosTitle":"Good if..."},{"_key":"f6d1a1276942","_type":"block","children":[{"_key":"f9517c0b18f3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h3"},{"_key":"b9609248cfd5","_type":"block","children":[{"_key":"8012dd9bfc7b","_type":"span","marks":[],"text":"What is a Stocks & Shares ISA?"}],"markDefs":[],"style":"h3"},{"_key":"b23c6eaea7b0","_type":"block","children":[{"_key":"1172965f3943","_type":"span","marks":[],"text":"A Stocks & Shares ISA is a type of ISA where the money in your account is invested in the stock market with the aim of generating a profit. This type of ISA is more volatile than its cash equivalent, as is the nature of shares and funds, but it can be a great option for those looking to dip their toes into investing within a tax-free wrapper. You can put away up to £20,000 into a Stocks & Shares ISA each year - just remember that, as always, you can lose capital as well as gain it."}],"markDefs":[],"style":"normal"},{"_key":"167d35c4fbcd","_type":"block","children":[{"_key":"0367d4be6f39","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b1c927126d64","_type":"prosConsWidget","cons":["You prefer the security of cash to stock market risk","You might need to access your cash at short-notice","You're saving for an important or short-term goal (<5 years)"],"consTitle":"Bad if....","pros":["You're saving for a long period of time","You want to try out investing","You don't mind waiting to access your cash"],"prosTitle":"Good if..."},{"_key":"b3f165dc1465","_type":"block","children":[{"_key":"0819c85c78bc","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c60204640963","_type":"block","children":[{"_key":"6d6da1426d7b","_type":"span","marks":[],"text":"Cash ISAs vs Stocks & Shares ISAs"}],"markDefs":[],"style":"h2"},{"_key":"9492d6aaff3d","_type":"block","children":[{"_key":"30012bde09a2","_type":"span","marks":[],"text":"So now we’ve covered the foundations, let’s compare when and why a Cash ISA or a Stocks & Shares ISA would be best for you."}],"markDefs":[],"style":"normal"},{"_key":"273401eaee47","_type":"block","children":[{"_key":"6d5b66a5030c","_type":"span","marks":[],"text":"What are you saving for?"}],"markDefs":[],"style":"h3"},{"_key":"6d25aa679f58","_type":"block","children":[{"_key":"fee62f02d816","_type":"span","marks":[],"text":"When deciding if a Cash ISA or a Stocks & Shares ISA is best for you, it helps to know exactly what you’re saving for in the first place, as this can be a deciding factor in which type of ISA is best suited to your needs."}],"markDefs":[],"style":"normal"},{"_key":"41a835c37575","_type":"block","children":[{"_key":"717148cfff4e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h4"},{"_key":"3af6ced1700f","_type":"prosConsWidget","prosTitle":"You don't have a specific financial goal in mind: Stocks & Shares ISA"},{"_key":"968d2d9987d9","_type":"block","children":[{"_key":"8b0aebb0f6eb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h4"},{"_key":"7cc62b350639","_type":"block","children":[{"_key":"2b17ba6295d5","_type":"span","marks":[],"text":"If you’ve got some extra income that you’d like to make the most out of - but don't mind tucking away for a while - then a Stocks & Shares ISA is a great way to see how far that can take you. You're not depending on this money for any critical goals, such as buying a house, so it's not necessarily the end of the world if the stock market takes a turn for the worse and you end up losing some of your capital. Plus, you're not going to need your money any time soon, so it's not a problem to you if you can't immediately withdraw your funds from your account."}],"markDefs":[],"style":"normal"},{"_key":"0061b666b175","_type":"block","children":[{"_key":"9ff10f3d3938","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"76f15fb854f5","_type":"prosConsWidget","prosTitle":"You have a specific financial goal in mind: Cash ISA"},{"_key":"1a1ac9f32133","_type":"block","children":[{"_key":"6b70dd532f8b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"20f6940548bc","_type":"block","children":[{"_key":"026c17e1e460","_type":"span","marks":[],"text":"However, if you have a specific and important goal in mind - like buying your first property or a new car - then a Cash ISA will give you a better sense of security as you're not exposed to the potential pitfalls of the stock market. Your money isn't subject to the same level of risk as it would be if it was invested, so Cash ISAs are a good fit if you want to save for something important, and it's usually much easier to withdraw your funds at short-notice than with a Stocks & Shares ISA."}],"markDefs":[],"style":"normal"},{"_key":"343722b61dcd","_type":"block","children":[{"_key":"77bfce689d48","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"57920c0d4ec9","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","alt":"Top tip: Lifetime ISAs","asset":{"_ref":"image-d7ee640a218dd0f3d251c4e2c570655322ae75d4-606x438-jpg","_type":"reference"}},"quote":[{"_key":"136e870b5078","_type":"block","children":[{"_key":"5608d68fc67f","_type":"span","marks":[],"text":"My top tip: If you're between 18-39 and saving to buy your first home or for retirement, consider opening a cash Lifetime ISA, which is similar to a Cash ISA but gives you the added bonus of a 25% government top-up every tax year!"}],"markDefs":[],"style":"normal"}]},{"_key":"35f3c1e35f8d","_type":"block","children":[{"_key":"291bae0791fc","_type":"span","marks":[],"text":"When will you need your money?"}],"markDefs":[],"style":"h3"},{"_key":"469fb76aaae3","_type":"block","children":[{"_key":"fdd62f488ae3","_type":"span","marks":[],"text":"Choosing between a Cash ISA and a Stocks & Shares ISA also comes down to when you think you'll need to access your money, as there are differences in how these two accounts work, so being clear on when you'll need to cash in can help you make a decision."}],"markDefs":[],"style":"normal"},{"_key":"290cb0b1ccda","_type":"block","children":[{"_key":"99eab8203734","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"28f069de16cb","_type":"prosConsWidget","prosTitle":"You won't need your money for a while: Stocks & Shares ISA"},{"_key":"a078657d88be","_type":"block","children":[{"_key":"5ec71d0c6a26","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cfd5ba3a06a0","_type":"block","children":[{"_key":"2ea16572e2a1","_type":"span","marks":[],"text":"Let's say you’re saving money to put towards retirement, so you can afford the one you've always dreamed of. Maybe you want to travel the world, or maybe you just want to make sure you're comfortable and won't have to worry about making ends meet. Longer timeframes like this are better suited to a Stocks & Shares ISA, where you can let your money accumulate interest over the years, and you aren't going to need to immediately access it at short-notice."}],"markDefs":[],"style":"normal"},{"_key":"99fd2ce865ac","_type":"block","children":[{"_key":"5821fa69c87a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6db94d5b6cd9","_type":"prosConsWidget","prosTitle":"You might need your money soon: Cash ISA"},{"_key":"a890bbbd01d5","_type":"block","children":[{"_key":"1672632fb73f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d21a8641cf85","_type":"block","children":[{"_key":"63ea6549cad4","_type":"span","marks":[],"text":"On the other hand, if you're saving for something a little bit nearer or more important on the horizon - a new car in the next year or two, or an emergency fund, for example - this is where a Cash ISA is more suitable. You can usually withdraw funds from a Cash ISA more quickly than with a Stocks & Shares ISA (typically around 1 working day, or immediately if you have an instant-access account!) and you won't need to wait around for your provider to retrieve money from any investments."}],"markDefs":[],"style":"normal"},{"_key":"0a380ac07884","_type":"block","children":[{"_key":"2cc43316656a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c52d5a80549","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","alt":"Top tip: Lifetime ISAs","asset":{"_ref":"image-d7ee640a218dd0f3d251c4e2c570655322ae75d4-606x438-jpg","_type":"reference"}},"quote":[{"_key":"136e870b5078","_type":"block","children":[{"_key":"55eef03bc33a","_type":"span","marks":[],"text":"My top tip: If you're building an emergency fund, an instant-access Cash ISA will let you earn interest on your savings while also giving you the freedom to withdraw your funds immediately whenever you need it!"}],"markDefs":[],"style":"normal"}]},{"_key":"489d365f1846","_type":"block","children":[{"_key":"9701d0157a2c","_type":"span","marks":[],"text":"The right ISA for your financial goals"}],"markDefs":[],"style":"h2"},{"_key":"b383a2536e04","_type":"block","children":[{"_key":"d11425f09046","_type":"span","marks":[],"text":"There are lots of reasons why you might want to open an ISA. Here are some common financial goals you may be aiming for and which type of ISA would be best for you."}],"markDefs":[],"style":"normal"},{"_key":"99b286d424d6","_type":"block","children":[{"_key":"40a2f4602f19","_type":"span","marks":[],"text":"Buying your first home: Cash ISA or Cash LISA"}],"markDefs":[],"style":"h4"},{"_key":"a8c9087913e7","_type":"block","children":[{"_key":"74299f058da9","_type":"span","marks":[],"text":"This is an important milestone for many of us, so you want to make sure you’ve got the security that a Cash ISA provides so you don’t end up losing any money. An even better choice would be a Cash LISA, however, so you can benefit from the free 25% government top-up every tax year – just remember you can only deposit £4,000 per year, so this only really works if you’re going to be saving at a slow pace anyway. If you've got good momentum behind saving for a deposit, stick with a trusty Cash ISA instead."}],"markDefs":[],"style":"normal"},{"_key":"b314c42d6f24","_type":"block","children":[{"_key":"b181aa78a72f","_type":"span","marks":[],"text":"Saving for retirement: Stocks & Shares ISA or Stocks & Shares LISA"}],"markDefs":[],"style":"h4"},{"_key":"c4bc02bca627","_type":"block","children":[{"_key":"6f8f12e590f3","_type":"span","marks":[],"text":"Saving up for later life is typically a faraway financial goal, and when you’ve got decades of time on your hands, it makes sense to take advantage of stock market growth - which, historically, has given better returns than cash. If markets take a turn for the worse and you’d prefer to switch to cash, you can always transfer your funds into a Cash ISA, but sometimes sticking it out for the long run is worth the wait. Alternatively, you can also use a LISA for your retirement savings, and you can even choose a Stocks and Shares LISA to get the best of both worlds."}],"markDefs":[],"style":"normal"},{"_key":"30c70c94bdac","_type":"block","children":[{"_key":"9e7978d99452","_type":"span","marks":[],"text":"Saving for a big holiday: Cash ISA"}],"markDefs":[],"style":"h4"},{"_key":"fce1aa0b5cc8","_type":"block","children":[{"_key":"4b6b6adfc42a","_type":"span","marks":[],"text":"Desperate for a holiday ASAP? Use a Cash ISA to put money away as and when you can. This is also a great opportunity to try out budgeting apps such as "},{"_key":"e09f1e6e074f","_type":"span","marks":["50a56d2b438f"],"text":"Plum"},{"_key":"8547e7dcf5ba","_type":"span","marks":[],"text":" or "},{"_key":"d29bdbb3ce4f","_type":"span","marks":["9d5d98de759a"],"text":"Moneybox"},{"_key":"924aaddd80d3","_type":"span","marks":[],"text":", where you can separate your savings into different pots for different purposes. You can even enable handy \"round-up\" functions, which round up every transaction you make to the nearest pound and put the difference into your chosen pot. You'd be surprised how much you can put away each month if you leave it to the apps to crunch the numbers for you."}],"markDefs":[{"_key":"50a56d2b438f","_type":"internalLinkPick","reference":{"_ref":"3f877e48-d933-4086-ad68-3a8eefd9b089","_type":"reference"}},{"_key":"9d5d98de759a","_type":"internalLinkPick","reference":{"_ref":"48eefe98-4387-47be-9a78-b88e7313c646","_type":"reference"}}],"style":"normal"},{"_key":"4cd4e7345249","_type":"block","children":[{"_key":"4862c44e692d","_type":"span","marks":[],"text":"Putting money away for your kids/grandkids: Cash JISA or Stocks & Shares JISA"}],"markDefs":[],"style":"h4"},{"_key":"1f28c9fd374d","_type":"block","children":[{"_key":"820c39e33887","_type":"span","marks":[],"text":"If you’re putting some money away for a lucky little one’s next birthday, then a Cash ISA is the way to go, but a longer-term goal – such as a 21st birthday present - would be better suited to a Stocks & Shares ISA. This is also when the Junior ISA emerges as a great alternative. You can save up to £9,000 each year without paying any tax, for the kids to get their hands on once they turn 18. You can pick a Cash or a Stocks & Shares version, but if you've got a lot of time before that all-important 18th birthday, go for a Stocks & Shares JISA."}],"markDefs":[],"style":"normal"},{"_key":"b34b79a06e5c","_type":"block","children":[{"_key":"a75eed82370c","_type":"span","marks":[],"text":"Buying a car: Cash ISA"}],"markDefs":[],"style":"h4"},{"_key":"6a4dfde1af56","_type":"block","children":[{"_key":"f808cc97cbde","_type":"span","marks":[],"text":"Buying a car is a pretty big and important investment, especially if you’re not in a position where you can use public transport to get around day to day. You won’t want to save up thousands of pounds just to lose it if the stock market decides to take a dip! Stick with a Cash ISA to be safe, and you'll also benefit from being able to quickly withdraw your funds if your existing vehicle kicks the bucket and you need to quickly finance a replacement."}],"markDefs":[],"style":"normal"},{"_key":"2b960ca87573","_type":"block","children":[{"_key":"dda56b6659f6","_type":"span","marks":[],"text":"Trying out investing: Stocks & Shares ISA"}],"markDefs":[],"style":"h4"},{"_key":"2a6873ce0b2d","_type":"block","children":[{"_key":"893443c6b816","_type":"span","marks":[],"text":"If you’re curious about investing, don’t want to tackle the various and confusing tax rules that come with it, and are only going to invest up to a maximum of £20,000 per year, then a Stocks & Shares ISA is the right ISA for you. Just remember that if you want to quickly withdraw your money, you might have to wait a few weeks for your provider to retrieve the cash that's been invested. "}],"markDefs":[],"style":"normal"},{"_key":"2ade741057f9","_type":"block","children":[{"_key":"83ba8479cfaa","_type":"span","marks":[],"text":"The best Stocks & Shares ISAs"}],"markDefs":[],"style":"h2"},{"_key":"e14885cec71b","_type":"block","children":[{"_key":"a94f1c5d450e","_type":"span","marks":[],"text":"If you’ve decided a Stocks & Shares ISA is the one for you, make sure you head over to our ISA comparison tables to see which providers have our - and our readers' - seal of approval."}],"markDefs":[],"style":"normal"},{"_key":"10d70127247a","_type":"block","children":[{"_key":"4798723d042e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"064d402a187a","_type":"block","children":[{"_key":"6e4d9ce4293e","_type":"span","marks":["strong"],"text":"Find the best ISA for you!"}],"markDefs":[],"style":"normal"}],"_key":"6d5c81163f27","_type":"ctaWidget","openNewTab":true,"reference":{"_ref":"1b584fe9-c769-434f-9c4b-d57c0ef37a5c","_type":"reference"},"text":"COMPARE PROVIDERS"}],"brazeCustomAttributes":[{"_key":"b2aa4f4a1150","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_ISA_Articles","customAttributeValue":"https://www.boringmoney.co.uk/hub/isas/articles/cash-isa-vs-stocks-shares-isa-which-should-you-choose/"}],"brazeSubscriptionGroupId":"dc27e200-5731-45c1-84f8-f96665978236","brazeSubscriptionRef":null,"categories":[{"_key":"07b36acfb472","_ref":"93c8563a-3c8a-440c-aa52-1792f61017f3","_type":"reference"},{"_key":"cab88f382b48","_ref":"39d2ca7f-4862-4ab2-b902-0bf10f1d4c34","_type":"reference"}],"emailSignupWidgetButtonText":"SIGN UP","emailSignupWidgetImage":{"_type":"mainImage","alt":"Gated content"},"enableGatedContent":false,"excerpt":[{"_key":"394cfac44981","_type":"block","children":[{"_key":"3b5fb065e8f5","_type":"span","marks":[],"text":"Deciding between a Cash ISA and a "},{"_key":"722c02bfbefe","_type":"span","marks":["5e0385d31f7f"],"text":"Stocks & Shares ISA"},{"_key":"52c9f2922f49","_type":"span","marks":[],"text":" can be a tricky task. Before we dive into the specifics, let’s make sure we’ve got a good grasp of the basics."}],"markDefs":[{"_key":"5e0385d31f7f","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"f674fb95851c","_type":"block","children":[{"_key":"701000262efb","_type":"span","marks":[],"text":"Deciding between a Cash ISA and a "},{"_key":"b39a12aa7553","_type":"span","marks":["d4367e7de755"],"text":"Stocks & Shares ISA"},{"_key":"c0125833a7cc","_type":"span","marks":[],"text":" can be a tricky task. Before we dive into the specifics, let’s make sure we’ve got a good grasp of the basics. Do you know how the different types of ISA work? What’s the difference between a Cash ISA and a Stocks & Shares ISA? 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"}],"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. 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That’s when the ‘£500bn wiped off shares’ will hit the front pages. This is unhelpful in understanding the real risk inherent in stock markets."}],"markDefs":[],"style":"normal"},{"_key":"3683e13d3c8b","_type":"block","children":[{"_key":"e36d233761eb","_type":"span","marks":[],"text":""},{"_key":"336da05bc199","_type":"mainAnchor","pageAnchor":{"_ref":"00364f4b-3797-4928-aed0-46a4c00d8c5d","_type":"reference"}},{"_key":"18547877f2220","_type":"span","marks":[],"text":"What is risk?"}],"markDefs":[],"style":"h3"},{"_key":"f55aec13dd0d","_type":"block","children":[{"_key":"886adfd8b4cb0","_type":"span","marks":[],"text":"There are various definitions of risk and it doesn’t help that the investment industry’s definition of risk is not the same as it is for most investors."}],"markDefs":[],"style":"normal"},{"_key":"9cf8611b2a8e","_type":"block","children":[{"_key":"7ca542f019370","_type":"span","marks":[],"text":"The investment industry defines risk as volatility – how much share prices move up and down. Under this definition, an investment is considered high risk if its price moves around a lot, whereas if the price stays pretty consistent, it is less risky."}],"markDefs":[],"style":"normal"},{"_key":"db7cfb0ecc97","_type":"block","children":[{"_key":"259d1a1d6d38","_type":"span","marks":[],"text":"The below illustrates volatility by risk category:"}],"markDefs":[],"style":"normal"},{"_key":"eae2704a5f14","_type":"mainImage","asset":{"_ref":"image-0cb7a0ba0b9409c02088b1f1bd0e95f59b005525-1720x1080-gif","_type":"reference"}},{"_key":"1deaa5a4fd3b","_type":"block","children":[{"_key":"cc8bce51ccee","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9e486a1341ef","_type":"block","children":[{"_key":"f70636ce50c50","_type":"span","marks":[],"text":"This is not how most people view risk. For them, they are pretty comfortable with share prices lurching higher; it’s just the down bits they don’t like. For most investors, permanent loss of capital is their greatest fear. In this scenario, they end up with less than they started with, at the point at which they need their cash."}],"markDefs":[],"style":"normal"},{"_key":"ece67f0557cb","_type":"block","children":[{"_key":"27b314310b6e","_type":"span","marks":[],"text":""},{"_key":"648358c87c35","_type":"mainAnchor","pageAnchor":{"_ref":"c6ac5d6d-e42d-4309-8ec4-e66f789d3734","_type":"reference"}},{"_key":"cfeb306b740e0","_type":"span","marks":[],"text":"How do people like you perceive risk?"}],"markDefs":[],"style":"h3"},{"_key":"a5228267d596","_type":"block","children":[{"_key":"a2a5a244c01e0","_type":"span","marks":[],"text":"Fundamental to investing is that with a greater acceptance of risk, there is a great opportunity for reward. However, most people don’t see risk in those terms. Most people see risk as something to be avoided."}],"markDefs":[],"style":"normal"},{"_key":"7247447475a0","_type":"block","children":[{"_key":"689249770e830","_type":"span","marks":[],"text":"Research from "},{"_key":"2fcbdda09391","_type":"span","marks":["a0ce7e2f648d"],"text":"Boring Money’s 2026"},{"_key":"689249770e831","_type":"span","marks":["em","a0ce7e2f648d"],"text":" Online Investing Report"},{"_key":"689249770e832","_type":"span","marks":["a0ce7e2f648d"],"text":" "},{"_key":"a46df0ff9673","_type":"span","marks":[],"text":"found that the main motivation cited to invest is to get ‘better returns’ – with 32% of people stating that this was the reason that prompted them to start investing in the first place."}],"markDefs":[{"_key":"a0ce7e2f648d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"be383eed-9694-4383-91fd-4e3bd0a7b3b4","_type":"reference"}}],"style":"normal"},{"_key":"284634d209e4","_type":"block","children":[{"_key":"e73eb13d31ef0","_type":"span","marks":[],"text":"But even amongst those who do invest, many are still uncomfortable around the idea of taking risk with money – 29% of investors agree with the statement: ‘I am comfortable taking on a lot of risk when it comes to my investments’."}],"markDefs":[],"style":"normal"},{"_key":"2e86e428fd77","_type":"block","children":[{"_key":"eeaa2ce0949c0","_type":"span","marks":[],"text":"Unsurprisingly, young investors are the least risk-averse – 58% of investors under 44 with £50,000 or more agree they are comfortable taking risk. But that still leaves a whopping 42% who are not. This means that younger people could be missing out on the opportunity to maximise their rewards over a lifetime of investing due to a fear of taking risk."}],"markDefs":[],"style":"normal"},{"_key":"71f37c324d89","_type":"block","children":[{"_key":"5a932604b3320","_type":"span","marks":[],"text":"Risk aversion in general accelerates with age – peaking as people approach the ‘decumulation’ phase (preparing for retirement) between 55-64."}],"markDefs":[],"style":"normal"},{"_key":"b0032e2c6454","_type":"block","children":[{"_key":"c301e7de019d0","_type":"span","marks":[],"text":"Aside from age, female investors are considerably more risk-averse than men across all age groups, with 47% strongly disagreeing with the idea of taking on ‘a lot of risk’ with their investments – driven especially by those aged 45 and above."}],"markDefs":[],"style":"normal"},{"_key":"11ec7b44ca6d","_type":"mainImage","asset":{"_ref":"image-47770c1d50cced257e31dd663b7d2962fd91a247-1920x1080-png","_type":"reference"}},{"_key":"0cc11dad1e7c","_type":"block","children":[{"_key":"14dac7f86a7b","_type":"span","marks":[],"text":""},{"_key":"b75a6b8fe0c6","_type":"mainAnchor","pageAnchor":{"_ref":"2e387264-29f1-434b-9dd0-c738c3304756","_type":"reference"}},{"_key":"38b25179304a0","_type":"span","marks":[],"text":"Stock markets aren’t as risky as you think"}],"markDefs":[],"style":"h3"},{"_key":"b77e07009b86","_type":"block","children":[{"_key":"642036d92d8f0","_type":"span","marks":[],"text":"Yes, stock markets go up and down, but over time, they are not as risky as you might imagine. Research from "},{"_key":"6a6537f4bd5a","_type":"span","marks":["184a7f53fcf8"],"text":"Schroders "},{"_key":"3e1df449a857","_type":"span","marks":[],"text":"shows a 91% probability of UK equities outperforming cash over any 10-year period in the past 123 years. Even over two, three, four and five years, the equivalent probability was 70% or above."}],"markDefs":[{"_key":"184a7f53fcf8","_type":"internalLinkPick","blank":true,"reference":{"_ref":"09eb24ad-c788-4bd8-85a0-e6b67651e189","_type":"reference"}}],"style":"normal"},{"_key":"6b4a08263e92","_type":"block","children":[{"_key":"f0d17e4417500","_type":"span","marks":[],"text":"Morningstar data shows that equities, which make up the lion's share of most investors' portfolios, have managed to return 7.4% per year after inflation over the trailing 100 years (S&P 500 total real return, annualised). That’s in spite of two world wars, the Great Depression, the Cold War, a global pandemic, and a range of local economic crises."}],"markDefs":[],"style":"normal"},{"_key":"58c57697a5c9","_type":"block","children":[{"_key":"b018ebc674e80","_type":"span","marks":[],"text":"Below is an illustration of the "},{"_key":"c1f5a6211003","_type":"span","marks":["85cbfc25e4dc"],"text":"FTSE 100"},{"_key":"c7493e6cc7bf","_type":"span","marks":[],"text":" index and "},{"_key":"55e5a6e3bc20","_type":"span","marks":["6b44a9e544ce"],"text":"MSCI World Index"},{"_key":"2169e032a9b9","_type":"span","marks":[],"text":" - over a ten year period. As you can see, if you invested £1000 in the MSCI Index in July 2014 by the end of December 2025, it would be worth £3806."}],"markDefs":[{"_key":"85cbfc25e4dc","_type":"glossaryPick","reference":{"_ref":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"reference"}},{"_key":"6b44a9e544ce","_type":"glossaryPick","reference":{"_ref":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"reference"}}],"style":"normal"},{"_key":"1fdfa2931eda","_type":"block","children":[{"_key":"c9995771bddd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8cdfebdb0fe9","_type":"frameWidget","href":"https://www.canva.com/design/DAG7OFE42_c/V25AjrWXM8szDDn7pZL9bg/view?embed"},{"_key":"fa483ec8e5b6","_type":"block","children":[{"_key":"e251b12897e90","_type":"span","marks":[],"text":"Certainly, there are points along this journey where if you had invested at the wrong time and sold at the wrong time, you would have lost money. "}],"markDefs":[],"style":"normal"},{"_key":"b362aa2a944f","_type":"block","children":[{"_key":"5d1c625350a9","_type":"span","marks":[],"text":"The key here is timeframes. If you had a long enough time horizon, you would have seen good returns."}],"markDefs":[],"style":"normal"},{"_key":"c99a0e6df6c2","_type":"block","children":[{"_key":"edb588f7e86e0","_type":"span","marks":[],"text":"Equally, relatively few people talk about the risks of holding cash. Cash feels intuitively safe because investors get back what they put in. However, this neglects the impact of inflation. Over the past 20 years, you would need a £10,000 investment to grow to over £17,000[1] to keep pace with the rising cost of living. It is far more difficult to do this if you hold all of your portfolio in cash."}],"markDefs":[],"style":"normal"},{"_key":"1f34cd3f1e6b","_type":"block","children":[{"_key":"0896fa5fec7d","_type":"span","marks":["strong"],"text":""},{"_key":"d82840962a1e","_type":"mainAnchor","pageAnchor":{"_ref":"6df393aa-007f-4533-9b69-8f1298eed8d9","_type":"reference"}},{"_key":"41a08e05d0ff0","_type":"span","marks":[],"text":"Risk versus uncertainty"}],"markDefs":[],"style":"h3"},{"_key":"29241bd35d7a","_type":"block","children":[{"_key":"37aedd6b4a1f0","_type":"span","marks":[],"text":"Consulting psychologist Paul Davies says how most of us define the word ‘risk’ when it comes to investing is misleading. He suggests that ‘uncertainty’ may be a more accurate term to use instead: "}],"markDefs":[],"style":"normal"},{"_key":"342444ac7c17","_type":"block","children":[{"_key":"50479d88871f","_type":"span","marks":[],"text":"“To put it simply, ‘risk’ is a trigger word. Neuroimaging research has shown that hearing or reading this word activates areas of the brain, such as the anterior insula and the thalamus. These regions are where we process emotions such as anxiety, fear, disappointment, sadness and regret. Triggering this reaction is very useful when you want to stop people from drinking bleach, but it’s too extreme in the context of investing.\""}],"markDefs":[],"style":"normal"},{"_key":"df0962cd0673","_type":"block","children":[{"_key":"28c1b8db7837","_type":"span","marks":[],"text":"In the video below our Founder & CEO Holly Mackay speaks to Paul about the psychological interpretation of risk:"}],"markDefs":[],"style":"normal"},{"_key":"6670eec37346","_type":"mainVideo","url":"https://vimeo.com/779623754"},{"_key":"d5935a616319","_type":"block","children":[{"_key":"5c47af657fdb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"faf8bddffb60","_type":"block","children":[{"_key":"043f4df14b130","_type":"span","marks":[],"text":"Risk doesn’t communicate both sides of the investing story – it only communicates loss. When someone is choosing what to do with their hard-earned life savings, it’s unfair to only speak in terms of loss. ‘Uncertainty’ represents both the positive and the negative sides of investing. "}],"markDefs":[],"style":"normal"},{"_key":"04b7bd9c5d68","_type":"block","children":[{"_key":"603fcece9725","_type":"span","marks":[],"text":"Davies adds: “It immediately communicates a balance that risk does not while not shying away from the potential downsides. People don’t welcome uncertainty either, but the word encourages consumers to investigate further rather than immediately running for the hills, scared they’ll lose everything.”"}],"markDefs":[],"style":"normal"},{"_key":"1a2b18fcc3af","_type":"block","children":[{"_key":"19bb7783220e","_type":"span","marks":[],"text":""},{"_key":"740a2e654eaf","_type":"mainAnchor","pageAnchor":{"_ref":"badc5194-f9c4-4948-a040-76d99a654890","_type":"reference"}},{"_key":"c669498207980","_type":"span","marks":[],"text":"Stock market risk is not homogenous"}],"markDefs":[],"style":"h3"},{"_key":"f701ab10aab3","_type":"block","children":[{"_key":"2ad912ef90c10","_type":"span","marks":[],"text":"Companies are not all the same, which means they do not carry the same risks. A large company, for example, will tend to be less risky than a small company. They will have a broader range of revenue streams, a more diverse client base, and operations worldwide. This makes them less risky than, for example, a company with two or three key clients and a single product."}],"markDefs":[],"style":"normal"},{"_key":"d232c6839d99","_type":"block","children":[{"_key":"4dc0cd1a9de60","_type":"span","marks":[],"text":"It is also true to say that different sectors and regions may carry different risks. A company in the US will have different governance and reporting standards to companies in other countries with less developed capital markets. A hotel business dependent on consumer spending will be inherently riskier than a healthcare business, where demand is stable across economic cycles."}],"markDefs":[],"style":"normal"},{"_key":"4373b4217866","_type":"block","children":[{"_key":"71bc4b6b3d7f0","_type":"span","marks":[],"text":"Equally – and this is an important point – companies with lots of expectation built into their share prices will be riskier than those on more realistic valuations. The problem in the technology boom and bust (also known as the dot-com bubble, that occurred between 1995 and 2002) was not, in most cases, that the companies were bad, it was that expectations for their future growth had become impossibly high."}],"markDefs":[],"style":"normal"},{"_key":"cf7c21f27fbf","_type":"block","children":[{"_key":"530ca87797f2","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"071041d5eb70","_type":"mainImage","asset":{"_ref":"image-e0b4cb8bcccb6d4974197e8bd2ad23eb9a27564c-1366x768-png","_type":"reference"}},{"_key":"53a466a4dab9","_type":"block","children":[{"_key":"4a9356bcd8be","_type":"span","marks":[],"text":""},{"_key":"66930a47ab58","_type":"mainAnchor","pageAnchor":{"_ref":"6ed5992f-a564-49a5-9e1a-a2f253d21ef5","_type":"reference"}},{"_key":"024881eb9b5e0","_type":"span","marks":[],"text":"What can help you manage risk?"}],"markDefs":[],"style":"h3"},{"_key":"76f31a212fc8","_type":"block","children":[{"_key":"0fe96b4f2ff20","_type":"span","marks":[],"text":"So what "},{"_key":"0fe96b4f2ff21","_type":"span","marks":["em"],"text":"do"},{"_key":"0fe96b4f2ff22","_type":"span","marks":[],"text":" we know about managing investment risk? Well, crucially, ‘risk’ does not equate to losing it all. Even during some of the worst financial upheavals, such as the Global Financial Crisis in 2008 and the more recent market’s reaction to Liz Truss’s disastrous mini-budget, markets generally bounce back."}],"markDefs":[],"style":"normal"},{"_key":"88441fbec560","_type":"block","children":[{"_key":"81781094351f","_type":"span","marks":[],"text":"Below are six things to consider to help you manage risk. "}],"markDefs":[],"style":"normal"},{"_key":"03e8a43e8b68","_type":"block","children":[{"_key":"54a647880aea0","_type":"span","marks":[],"text":""},{"_key":"ca6da57c112f","_type":"mainAnchor","pageAnchor":{"_ref":"72ac05e6-fc20-4378-af04-9f0a9f27e086","_type":"reference"}},{"_key":"41595b912fa2","_type":"span","marks":[],"text":"1. Time"}],"markDefs":[],"style":"h4"},{"_key":"d6848e461d27","_type":"block","children":[{"_key":"5bc7dbec38fc0","_type":"span","marks":[],"text":"The FTSE 100 fell 31% in 2008, but two years later it had fully recovered and then some. This was undoubtedly a problem for an investor who sold out during the dip, but for those who were able to hang in there until it had recovered, the damage to their portfolio was minimal (if any at all). Once again, it’s about your timeframes and avoiding being in a position where you need to sell your investments at a loss – i.e. becoming a “forced seller”. All stock market investment should be approached with a long-term time frame."}],"markDefs":[],"style":"normal"},{"_key":"ea52f90ca6a4","_type":"block","children":[{"_key":"a05a83a531c8","_type":"span","marks":[],"text":""},{"_key":"9b756105fe15","_type":"mainAnchor","pageAnchor":{"_ref":"6007fca4-6474-4357-97ff-a9ecd2440bb9","_type":"reference"}},{"_key":"269ad09610ca0","_type":"span","marks":[],"text":"2. Diversification"}],"markDefs":[],"style":"h4"},{"_key":"26be801f7fec","_type":"block","children":[{"_key":"4956cf8cd6690","_type":"span","marks":[],"text":"The greatest risk for investors is to have everything on red, and it comes up black. Stock market investment is not a casino and you shouldn’t risk it all on the spin of a wheel. Putting all your investments into a single company or sector – even if you think it’s a sure thing – is to be avoided. There are always risks you cannot anticipate."}],"markDefs":[],"style":"normal"},{"_key":"6368c5ce1fdf","_type":"block","children":[{"_key":"0f676e8e44ce0","_type":"span","marks":[],"text":"With this in mind, choosing investments exposed to a wide range of geographies and sectors is an important means to manage risk. You can achieve this through a balanced collective fund. You may not get the euphoric highs of picking the one technology stock that goes to the moon, but neither will you get the (more likely) bust. With a diversified spread of investments, if any one of them underperforms or crashes, you’ll be able to offset the losses against other, better-performing investments in your portfolio."}],"markDefs":[],"style":"normal"},{"_key":"109b42c15c39","_type":"block","children":[{"_key":"799fec0bb1850","_type":"span","marks":[],"text":"Multi-assets funds are a great way to have a diversified portfolio and can be likened to an investment ready-meal. Instead of buying all the ingredients yourself and worrying about putting it together, you can outsource everything to an investment manager and have them do it for you."}],"markDefs":[],"style":"normal"},{"_key":"3954d609af54","_type":"block","children":[{"_key":"ce637a774faf","_type":"span","marks":[],"text":"Holy Mackay explains multi-asset funds below:"}],"markDefs":[],"style":"normal"},{"_key":"f8ff52f83079","_type":"mainVideo","url":"https://vimeo.com/781137907"},{"_key":"2cc9611b3452","_type":"block","children":[{"_key":"4894cccbb0bd","_type":"span","marks":[],"text":""},{"_key":"f7e22243e7e0","_type":"mainAnchor","pageAnchor":{"_ref":"15798fe9-e0eb-44db-9ca2-6f5aef15280d","_type":"reference"}},{"_key":"3840e97317a50","_type":"span","marks":[],"text":"3. Income"}],"markDefs":[],"style":"h4"},{"_key":"b6b6aaa79c81","_type":"block","children":[{"_key":"ccdc58a1d71a0","_type":"span","marks":[],"text":"Targeting companies that pay out a share of their profits to investors through dividends can be a tool to manage risk in a portfolio. It means you get back 4-5% of your investment each year, which is reassuring. Dividends have historically been a significant share of the return from stock markets. Investors can choose to reinvest dividends to buy more investments and this can be a powerful way to grow wealth over time."}],"markDefs":[],"style":"normal"},{"_key":"49cba17f6a54","_type":"block","children":[{"_key":"0a7ab78e66e10","_type":"span","marks":["3cf7019510c3"],"text":"Investment Trusts"},{"_key":"d012502c9655","_type":"span","marks":[],"text":" can be a good vehicle for income as they offer dividends, which you can think of as a cash bonus you get to say “thank you” for investing in them. But here’s the icing on the cake: a fund manager can set aside up to 15% of a trust’s income during successful years to boost dividends at times when it hasn’t performed so well. Thanks to this unique function, many Investment Trusts tend to consistently pay - and even increase - their dividends during periods of market turmoil, and are an attractive option for investors looking for a steady stream of income, particularly if they focus on trusts with a reputation for consistent dividend payments."}],"markDefs":[{"_key":"3cf7019510c3","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}}],"style":"normal"},{"_key":"bfc4f9eb52e4","_type":"block","children":[{"_key":"15536e00fdc40","_type":"span","marks":[],"text":"If that's what you're looking for then the "},{"_key":"9d599c55c93d","_type":"span","marks":["8d4eb78c12e3"],"text":"AIC's Dividend Heroes "},{"_key":"80c1652d0218","_type":"span","marks":[],"text":"are the optimal place to start."}],"markDefs":[{"_key":"8d4eb78c12e3","_type":"internalLinkPick","blank":true,"reference":{"_ref":"5927327c-c130-492f-8722-8f8dc11fe0b2","_type":"reference"}}],"style":"normal"},{"_key":"8a5b3089c0d4","_type":"block","children":[{"_key":"acc73cbe8824","_type":"span","marks":[],"text":""},{"_key":"ffa5284f9770","_type":"mainAnchor","pageAnchor":{"_ref":"9ea01a66-7dda-44f6-a079-423150fb62c6","_type":"reference"}},{"_key":"d680d739c6750","_type":"span","marks":[],"text":"4. Regular savings"}],"markDefs":[],"style":"h4"},{"_key":"81612ad261cf","_type":"block","children":[{"_key":"bc6656e9f5af0","_type":"span","marks":[],"text":"Drip-feeding money into the stock market helps smooth out returns to investors. Investors will be buying at different price points, which ensures they aren’t investing large amounts of money when the stock market is very high (and therefore, potentially, about to fall). It may not see investors make more money, but it makes for an easier journey."}],"markDefs":[],"style":"normal"},{"_key":"5bf033e427fa","_type":"block","children":[{"_key":"d7730aeb3450","_type":"span","marks":[],"text":""},{"_key":"bc4b93c7ebb2","_type":"mainAnchor","pageAnchor":{"_ref":"afd995dd-3f30-4899-be92-b25fd917991c","_type":"reference"}},{"_key":"0475497ef0930","_type":"span","marks":[],"text":"5. Rebalance your portfolio"}],"markDefs":[],"style":"h4"},{"_key":"90407a98d345","_type":"block","children":[{"_key":"281b327fb4e80","_type":"span","marks":[],"text":"Rebalancing should happen once or twice a year and it’s about restoring the original weightings of the investments in your portfolio. You can rebalance by adding any top ups or re-directing any regular saving instructions to areas that have become a smaller portion of the portfolio, or by selling investments in areas that have performed well. This is a good discipline in helping investors buy at lower prices and sell at higher prices."}],"markDefs":[],"style":"normal"},{"_key":"d2bfd9255f06","_type":"block","children":[{"_key":"4735d33ac86a","_type":"span","marks":[],"text":""},{"_key":"413d8160ed96","_type":"mainAnchor","pageAnchor":{"_ref":"f1e3e264-00f9-4896-9817-df95e2dc8334","_type":"reference"}},{"_key":"6f35be1182190","_type":"span","marks":[],"text":"6. Invest in funds"}],"markDefs":[],"style":"h4"},{"_key":"ff6d45c64e3c","_type":"block","children":[{"_key":"96aeb8b4d6300","_type":"span","marks":[],"text":"Collective funds offer an easy and convenient way to invest, popular with novice and experienced investors alike. They’re a collection of investments chosen and run by a fund manager, so you benefit from the knowledge, skills, and experience of a professional. With thousands of funds available, you can invest in a mix of asset types such as shares and bonds to spread the risk around."}],"markDefs":[],"style":"normal"},{"_key":"84a926e74405","_type":"block","children":[{"_key":"43e644c9dd27","_type":"span","marks":[],"text":"Read more on different types of funds in our guide "},{"_key":"24f91c076309","_type":"span","marks":["e244da925a0b"],"text":"here"},{"_key":"ad8d8987128d","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"e244da925a0b","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"8d7aaaaac5d8","_type":"block","children":[{"_key":"cff919b936f7","_type":"span","marks":[],"text":""},{"_key":"3871734887b2","_type":"mainAnchor","pageAnchor":{"_ref":"20b3f23b-cc52-4404-9818-56d94eb2b4b1","_type":"reference"}},{"_key":"86a29b8214280","_type":"span","marks":[],"text":"How much risk should I take with my investments?"}],"markDefs":[],"style":"h3"},{"_key":"c2ee2e00033a","_type":"block","children":[{"_key":"50a6e85910080","_type":"span","marks":[],"text":"There are plenty of online tools and calculators that can tell you how much risk to take based on your age, wealth and appetite for risk. There are investment providers out there that can match you with a risk level that is personalised to your appetite and comfort levels – a bit like online dating for investing. Many will also suggest a "},{"_key":"f71cedae1dd7","_type":"span","marks":["836277c3b8ec"],"text":"ready-made portfolio"},{"_key":"cac1682d185b","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"836277c3b8ec","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"bff2eb2111d4","_type":"block","children":[{"_key":"4004eb7afc8d0","_type":"span","marks":[],"text":"Generally speaking, portfolios designed for investors seeking higher risk will have a higher proportion in individual shares, as these are typically considered more volatile assets, whereas lower risk portfolios may have a higher allocation to bonds, as these are traditionally seen as low-risk. So Wealthify’s ‘Cautious’ portfolio typically contains around 90% low-risk investments, including bonds, whereas its ‘Adventurous’ portfolio has around 90% in high-risk investments, such as shares."}],"markDefs":[],"style":"normal"},{"_key":"a4bf242d506d","_type":"block","children":[{"_key":"2f16351f5b280","_type":"span","marks":[],"text":"You can read more about ready-made portfolios and how they work in our "},{"_key":"60221f2c354e","_type":"span","marks":["280a4990e7c0"],"text":"beginner’s guide"},{"_key":"3c5861b05744","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"280a4990e7c0","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"44956c379ba0","_type":"block","children":[{"_key":"945b9e58e8c60","_type":"span","marks":[],"text":"Every quarter, we track the performance of popular ready-made portfolios available to UK investors across different risk levels from low to high. 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Stock markets will bounce around, but there are plenty of ways to mitigate this volatility and to build a portfolio that stays within your comfort levels."}],"markDefs":[],"style":"normal"},{"_key":"f286fcaac7d1","_type":"block","children":[{"_key":"d43f1e412b24","_type":"span","marks":[],"text":"\n---"}],"markDefs":[],"style":"normal"},{"_key":"0a99c5c2d58c","_type":"block","children":[{"_key":"66cc68cbb0d6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3a6bfcbefd4e","_type":"block","children":[{"_key":"7d5a4eec39d30","_type":"span","marks":["7b1c0f6175c1"],"text":"[1] Bank of England, September 2024"}],"markDefs":[{"_key":"7b1c0f6175c1","_type":"internalLinkPick","blank":true,"reference":{"_ref":"f33f13c0-ee51-4bc3-9cc3-a5d9205a0e68","_type":"reference"}}],"style":"normal"},{"_key":"02f377b6bca7","_type":"block","children":[{"_key":"0a3ae20c34db","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"categories":[{"_key":"752a82eb1b0c","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"78e9c1a1cce3","_ref":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","_type":"reference"}],"excerpt":[{"_key":"6b026af21308","_type":"block","children":[{"_key":"9ca27129b4060","_type":"span","marks":[],"text":"Discover the true nature of investment risk, its importance, and practical strategies to manage it effectively. Learn why stock markets aren't as risky as you think and how to make risk work for you."}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":true,"linkMenu":[{"_key":"b03493767d65","_ref":"e883019e-b576-49a7-b54e-1a04aacd77c6","_type":"reference"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-e4b90acd0c4f875c9b06574e6edc607e67f14c14-1920x1080-png","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"607e940b-a7e0-4ec1-a5fa-7ee603b14620","_type":"reference"},"publishedAt":"2024-09-30T08:25:15.337Z","slug":{"_type":"slug","current":"what-is-investment-risk-and-why-does-it-matter"},"subfolder":{"_ref":"1e199c4b-b2a5-4733-b5fb-18b5874bd698","_type":"reference"},"template":"SB-C","title":"What is investment risk and why does it 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"}],"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 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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":"b5821c35-fa71-43c3-8f89-cc7b29ad9030","_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. 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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":"2d69df37-02bf-43eb-aed4-2624da81fbf6","_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":{"_ref":"607e940b-a7e0-4ec1-a5fa-7ee603b14620","_type":"reference"},"publishedAt":"2025-12-11T16:43:20.418Z","slug":{"_type":"slug","current":"shares"},"subfolder":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"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":"5183d26a5c8a","_type":"internalLinkPick","reference":{"_id":"583a0e19-d23d-4df3-989f-54c2368f0d41","_type":"information","_rev":"GAdsNjPaIuANdYqh0x6kuj","_createdAt":"2024-03-05T12:49:24Z","_updatedAt":"2025-12-12T09:18:07Z","_system":{"base":{"id":"583a0e19-d23d-4df3-989f-54c2368f0d41","rev":"ShBttggBniCqjqcnC3GU73"}},"authors":[{"_key":"551ff377eecc","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"body":[{"_key":"11ded862ce6c","_type":"block","children":[{"_key":"5d4a805a91dd","_type":"span","marks":[],"text":""},{"_key":"70ca6864ca7e","_type":"mainAnchor","pageAnchor":{"_ref":"8a9e94ba-158d-46df-81d7-8e2885c6f16d","_type":"reference"}},{"_key":"6c858f0ed5aa0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h2"},{"_key":"d7324ef7f1ac","_type":"block","children":[{"_key":"5cfb235cd4a4","_type":"span","marks":[],"text":"In a nutshell"}],"markDefs":[],"style":"h4"},{"_key":"fb1c58cefdbb","_type":"block","children":[{"_key":"b382e97ee62c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f8b9f67e9cdb","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Bonds are loans to a government or company  They pay out regular interest payments  You get your initial investment back at the end of the loan term  You can buy and sell bonds on the stock market  They’re typically considered a lower risk type of investment"},"text":[{"_key":"90b8406cd23c","_type":"block","children":[{"_key":"16b4bc5e4266","_type":"span","marks":[],"text":"Bonds are basically loans we make to a government or company"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1c788804cc9b","_type":"block","children":[{"_key":"7a4e2cb2d62a","_type":"span","marks":[],"text":"They pay out regular interest payments"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f98194689135","_type":"block","children":[{"_key":"2814afda9c86","_type":"span","marks":[],"text":"The value of the bond goes up and down"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ed5682aad208","_type":"block","children":[{"_key":"2946d7612fad","_type":"span","marks":[],"text":"UK government bonds are called ‘gilts’ and are largely tax-free for most investors"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7d58ed5946ec","_type":"block","children":[{"_key":"3fad1ba424fe","_type":"span","marks":[],"text":"You can buy and sell bonds on the stock market"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c7ce935aad7e","_type":"block","children":[{"_key":"f3d3225a459b","_type":"span","marks":[],"text":"They’re typically considered a lower-risk type of investment than shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"b1e928242f93","_type":"block","children":[{"_key":"5e6b0a0a387b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a5898c1fbd34","_type":"block","children":[{"_key":"e6ab8ba99ac0","_type":"span","marks":[],"text":"In simple terms, bonds are a form of loan issued by a business or a government. When you buy a bond (or a piece of the bond), you’re lending your money to this “issuer”. In exchange, the issuer promises to pay the bondholder (that’s you) a fixed interest payment at regular intervals until the loan matures (when you will get back a known amount which is the ‘face value’)."}],"markDefs":[],"style":"normal"},{"_key":"62229e83718a","_type":"block","children":[{"_key":"208519fd7a7a","_type":"span","marks":[],"text":"Therefore, you can think of a bond like an IOU – you lend the issuer money, and they pay you ‘interest’ on a regular basis until a pre-agreed date when they pay you a specified sum of money."}],"markDefs":[],"style":"normal"},{"_key":"96ac0f65ce2a","_type":"block","children":[{"_key":"53400c3f58bc","_type":"span","marks":[],"text":""},{"_key":"37864ea28904","_type":"mainAnchor","pageAnchor":{"_ref":"dfe27455-bfae-4948-b858-040213000740","_type":"reference"}},{"_key":"ed552990e93d0","_type":"span","marks":[],"text":"What are bonds?"}],"markDefs":[],"style":"h2"},{"_key":"46e4551e07ca","_type":"block","children":[{"_key":"8e9517773203","_type":"span","marks":[],"text":"Think of bonds like an investment which pays a regular ‘interest rate’ for as long as you hold it, as well as giving you the chance to make a profit on the money you invest. Unlike stocks, which can fluctuate in value rapidly, bonds will typically offer a relatively ‘predictable’ income stream, making them a good option for more risk-averse investors seeking stability."}],"markDefs":[],"style":"normal"},{"_key":"84de67b46e34","_type":"block","children":[{"_key":"3a75273af740","_type":"span","marks":[],"text":"The volatility of a bond price depends on who you are loaning the money to. If it’s the UK government, it’s typically a sedate and predictable journey. If it’s a mining company in Latin America, you should prepare for a much more volatile journey."}],"markDefs":[],"style":"normal"},{"_key":"41c6b2f45440","_type":"block","children":[{"_key":"b05c24e742b6","_type":"span","marks":[],"text":"This is why government bonds typically make up a large proportion of pension funds, particularly for those who are closer to retirement age and thus need their pension to be invested in lower-risk products."}],"markDefs":[],"style":"normal"},{"_key":"d6614f8bba0b","_type":"block","children":[{"_key":"872c6cbfe99d","_type":"span","marks":[],"text":""},{"_key":"003b1400dbd3","_type":"mainAnchor","pageAnchor":{"_ref":"7143fd03-16f0-4229-a431-82283be9b288","_type":"reference"}},{"_key":"f1224b170f560","_type":"span","marks":[],"text":"How do bonds work?"}],"markDefs":[],"style":"h2"},{"_key":"2f3e330d3372","_type":"block","children":[{"_key":"96bcdb4d8383","_type":"span","marks":[],"text":""},{"_key":"acb2391f7114","_type":"mainAnchor","pageAnchor":{"_ref":"ae0ce2cd-ee6c-4b2d-9caf-6ecaa338dfb6","_type":"reference"}},{"_key":"40091b6993f40","_type":"span","marks":[],"text":"Who issues a bond?"}],"markDefs":[],"style":"h3"},{"_key":"565d809b383b","_type":"block","children":[{"_key":"db75d5da7276","_type":"span","marks":[],"text":"When a government or a business decides it needs to raise money, one of the avenues it might take is to issue a bond. The bond specifies the “maturity” date (when the loan is repaid), the “coupon” (interest rate) paid periodically, and the “denomination” (face value) of the bond."}],"markDefs":[],"style":"normal"},{"_key":"38457353d605","_type":"block","children":[{"_key":"5c46a1e31e90","_type":"span","marks":[],"text":""},{"_key":"5b0c3697fae8","_type":"mainAnchor","pageAnchor":{"_ref":"a7cac4b7-a55c-4d8c-b076-8219b497fffe","_type":"reference"}},{"_key":"f002b0d984350","_type":"span","marks":[],"text":"How do bonds pay interest?"}],"markDefs":[],"style":"h3"},{"_key":"7d966bfb9662","_type":"block","children":[{"_key":"37dae7ca5e6c","_type":"span","marks":[],"text":"The exact monetary value of the coupon you receive from a bond is called the “yield” and typically correlates to how risky the loan is determined to be."}],"markDefs":[],"style":"normal"},{"_key":"91d66d962184","_type":"block","children":[{"_key":"1df18ea7fc91","_type":"span","marks":[],"text":"Let’s imagine someone wanted to borrow a grand from you. How much would you want in return for making that loan? It depends how reliable or trustworthy they are. How risky it is, as well as how long they want to borrow it for. In other words, how “creditworthy” they seem to you."}],"markDefs":[],"style":"normal"},{"_key":"5388a9ac1b0e","_type":"block","children":[{"_key":"cf5870d6f45b","_type":"span","marks":[],"text":"The same principles apply in the world of bonds. If we lend money to the UK government, for example, you might have more faith that they will keep up with their interest payments and repay you in full than if you lent money to a copper producer in the Democratic Republic of Congo. So a UK government bond would typically pay lower interest than the “riskier” copper producer one, for example."}],"markDefs":[],"style":"normal"},{"_key":"71d4560d2d56","_type":"block","children":[{"_key":"457db07707e3","_type":"span","marks":[],"text":"This is why government bonds (often called “gilts” if they're issued by the UK government or \"Treasuries\" if they're issued by the US government) usually pay less (or have a lower yield) than various corporate bonds – in return for giving you a less hernia-inducing path."}],"markDefs":[],"style":"normal"},{"_key":"f619482b3fbf","_type":"block","children":[{"_key":"4a4abac90009","_type":"span","marks":[],"text":"Bond yields move inversely to bond prices. That is, the lower the yield (or ‘interest’ paid) , the higher the price of the bond is. Let’s walk through an actual example to explain how this all works."}],"markDefs":[],"style":"normal"},{"_key":"20b16b0c1152","_type":"block","children":[{"_key":"9f79cc0082e3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a28d95e21455","_type":"textboxWidget","text":[{"_key":"8599fdf492a4","_type":"block","children":[{"_key":"4da4917d5205","_type":"span","marks":[],"text":"Let's assume a bond issued by the UK government (so, a ‘gilt’). Let's also assume it would cost 97.26p to buy. The bond is called Treasury 0.125% 30/01/2026. This means it pays investors an ‘interest rate’, or ‘coupon’, of 0.125%. "}],"markDefs":[],"style":"normal"},{"_key":"f54c13e08686","_type":"block","children":[{"_key":"a9bc4738b626","_type":"span","marks":[],"text":"However, people will mostly buy this for the increase in value, rather than the interest paid."}],"markDefs":[],"style":"normal"},{"_key":"63059e105655","_type":"block","children":[{"_key":"31a5a3e313f7","_type":"span","marks":[],"text":"We know that it will mature on the 30th January in 2026. For its ‘face value’ of 100p. Or £1. So we know for certain that we can spend 97.26p today and get back £1 at the end of January 2026. "}],"markDefs":[],"style":"normal"},{"_key":"952bca830e4b","_type":"block","children":[{"_key":"66fc8064d680","_type":"span","marks":[],"text":"In other words, you will make 2.74p for every 97.26p you invest, over the period in question. And because this gain is a capital gain and not interest, and because it is held in a government bond, that gain is tax-free. "}],"markDefs":[],"style":"normal"},{"_key":"5f3464315ceb","_type":"block","children":[{"_key":"eeab95d5b301","_type":"span","marks":[],"text":"This largely explains the growth in popularity of these bonds – as the tax take in the UK increases, and tax paid on interest goes up, they are a great way for higher rate taxpayers to get a relatively secure return, which is tax-free. "}],"markDefs":[],"style":"normal"},{"_key":"143bb8ec0e80","_type":"block","children":[{"_key":"0eeece876375","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Example:"},{"_key":"52ccd9cc7373","_type":"block","children":[{"_key":"00eb7eca2b96","_type":"span","marks":[],"text":""},{"_key":"72ac8f8e1ca2","_type":"mainAnchor","pageAnchor":{"_ref":"16faf849-274d-403a-b511-cf225e816d79","_type":"reference"}},{"_key":"187af134969b0","_type":"span","marks":[],"text":"How are bonds traded?"}],"markDefs":[],"style":"h3"},{"_key":"cfe82fd2d556","_type":"block","children":[{"_key":"83e5c781999e","_type":"span","marks":[],"text":"Initially, bonds will be offered to institutional investors (like banks or pension funds). When this process is complete, bonds can also be traded on the “secondary market”, where investors trade between themselves on the stock market like you can with ordinary shares. There will be a quoted price that will change throughout the day."}],"markDefs":[],"style":"normal"},{"_key":"c5da9e7fce93","_type":"block","children":[{"_key":"005c4140c0cb","_type":"span","marks":[],"text":"Investors can invest in bonds either directly or via other products which have bonds "},{"_key":"c8eefb4086c3","_type":"span","marks":["em"],"text":"in"},{"_key":"e938ff652d90","_type":"span","marks":[],"text":" them - such as multi-asset "},{"_key":"7e44d8d4eba1","_type":"span","marks":["fc7a25720353"],"text":"funds"},{"_key":"4c7c11c26b2d","_type":"span","marks":[],"text":", "},{"_key":"1bd18a481129","_type":"span","marks":["a00ce8f500dc"],"text":"ETFs"},{"_key":"46bcdb172323","_type":"span","marks":[],"text":" or"},{"_key":"922e97485ae8","_type":"span","marks":["aeb36fcf4623"],"text":" investment trusts"},{"_key":"0369c7eaf692","_type":"span","marks":[],"text":".  Bonds can play an important role in creating a diversified investment portfolio, which essentially means you invest in lots of different things in different proportion (not putting all your eggs in one basket is another way of looking at it!)."}],"markDefs":[{"_key":"fc7a25720353","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}},{"_key":"a00ce8f500dc","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}},{"_key":"aeb36fcf4623","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}}],"style":"normal"},{"_key":"8d973bcf2a1e","_type":"block","children":[{"_key":"2ec1aede89ab","_type":"span","marks":[],"text":"Many leading investment platforms such as "},{"_key":"eee0df919504","_type":"span","marks":["359cabde0d3c"],"text":"Hargreaves Lansdown"},{"_key":"809b677f8b82","_type":"span","marks":[],"text":", "},{"_key":"409e9d18bd45","_type":"span","marks":["457c15a8eac2"],"text":"AJ Bell "},{"_key":"a8416a475e6a","_type":"span","marks":[],"text":"and "},{"_key":"7fcdea77d655","_type":"span","marks":["abe234734263"],"text":"interactive investor"},{"_key":"1f5b49f77d32","_type":"span","marks":[],"text":" now let retail customers buy bonds just like you would with shares."}],"markDefs":[{"_key":"359cabde0d3c","_type":"internalLinkPick","reference":{"_ref":"7ca22c2a-5a22-4997-9cfb-3c0c6ad85a27","_type":"reference"}},{"_key":"457c15a8eac2","_type":"internalLinkPick","reference":{"_ref":"1dbcb796-5201-4542-a5fd-e9d2d02257e5","_type":"reference"}},{"_key":"abe234734263","_type":"internalLinkPick","reference":{"_ref":"22d041fa-4595-43c0-9055-7853b8b849f0","_type":"reference"}}],"style":"normal"},{"_key":"b42b778e35aa","_type":"block","children":[{"_key":"368f17d472ac","_type":"span","marks":[],"text":""},{"_key":"47b1a1da4f33","_type":"mainAnchor","pageAnchor":{"_ref":"3932d4f6-6124-4715-99d1-7bc659807fc4","_type":"reference"}},{"_key":"d404685b4df80","_type":"span","marks":[],"text":"What are the different types of bond?"}],"markDefs":[],"style":"h3"},{"_key":"754b01a0bb86","_type":"textboxWidget","text":[{"_key":"2c41dceddeab","_type":"block","children":[{"_key":"dfdfd3a8c947","_type":"span","marks":["strong"],"text":"Corporate bonds"},{"_key":"fb4873397cad","_type":"span","marks":[],"text":" – bonds issued by companies. The yield on corporate bonds can depend on how creditworthy the issuer is deemed to be."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1ae2c651010c","_type":"block","children":[{"_key":"b2cf653912e6","_type":"span","marks":["strong"],"text":"Junk bonds"},{"_key":"de963fb49c1a","_type":"span","marks":[],"text":" – bonds considered to be associated with a high level of risk."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"13980bdcc8e2","_type":"block","children":[{"_key":"eccb54653b7f","_type":"span","marks":["strong"],"text":"Municipal bonds"},{"_key":"fc0a803854f4","_type":"span","marks":[],"text":" – bonds issued by local governments, municipalities or states."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"99265f630422","_type":"block","children":[{"_key":"d35e39620486","_type":"span","marks":["strong"],"text":"Sovereign bonds"},{"_key":"5a9922c471ff","_type":"span","marks":[],"text":" – bonds issued by national governments. These can include gilts and treasuries."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"470565ca8ddf","_type":"block","children":[{"_key":"438715b5ca47","_type":"span","marks":["strong"],"text":"Gilts"},{"_key":"8964468bdd47","_type":"span","marks":[],"text":" – bonds issued by the UK government."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"80fda3477c0c","_type":"block","children":[{"_key":"49fed3a1aeeb","_type":"span","marks":["strong"],"text":"Treasuries"},{"_key":"ffbf2c8c0489","_type":"span","marks":[],"text":" – bonds issued by the US government."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"266e915029c0","_type":"block","children":[{"_key":"e3fcc300e9ad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a2537989de30","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Key bond terms to know:"},"text":[{"_key":"fdbdc1410e5c","_type":"block","children":[{"_key":"6f839624c465","_type":"span","marks":[],"text":"Key bond terms to know:"}],"markDefs":[],"style":"h4"},{"_key":"a2bb7aa8a4f4","_type":"block","children":[{"_key":"850c1ad2d9a0","_type":"span","marks":[],"text":"Coupon – the fixed interest rate that the bond issuer pays the lender. This is pre-agreed and does not change."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"6326a477fc02","_type":"block","children":[{"_key":"d385ee6adb2e","_type":"span","marks":[],"text":"Creditworthiness – how reliable the bond issuer is deemed to be, based on many factors such as financial security, size, and geographic location."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8e2c27f9133e","_type":"block","children":[{"_key":"de8b059c68c1","_type":"span","marks":[],"text":"Denomination – the total face value of the bond at the point of maturity (when it’s repaid)."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"04ce92ab0c77","_type":"block","children":[{"_key":"f95ddc6b78c8","_type":"span","marks":[],"text":"Maturity – the pre-agreed date at which the bond is repaid in full. This can range from less than 1 year (short-term) to over 30 years (long-term). Longer maturities typically have higher interest rates."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c0e878ef56e9","_type":"block","children":[{"_key":"0bb0b9c0c932","_type":"span","marks":[],"text":"Yield – the actual return an investor earns from a bond. 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However, there are various external factors you should be aware of that can influence a bond’s performance, such as:"}],"markDefs":[],"style":"normal"},{"_key":"8f31197b0009","_type":"textboxWidget","text":[{"_key":"e02e737fe442","_type":"block","children":[{"_key":"c9a09cb5141a","_type":"span","marks":["strong"],"text":"Interest rates: "},{"_key":"77dfe0cb24b8","_type":"span","marks":[],"text":"Generally, bonds become less attractive when base interest rates (e.g. the Bank of England’s base rate) rise - and vice versa. This is because people can get similar returns without a longer-term commitment, like with an easy-access savings account."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4f209b5bc39d","_type":"block","children":[{"_key":"0c2c8d755598","_type":"span","marks":["strong"],"text":"Creditworthiness of the issuer: "},{"_key":"10768c5377c2","_type":"span","marks":[],"text":"As we mentioned earlier, government bonds or “gilts” are generally considered safer than corporate bonds. However, this safety usually comes in the form of a lower interest rate payment. "}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"dac19d76fcbe","_type":"block","children":[{"_key":"64496e4f1970","_type":"span","marks":["strong"],"text":"Market conditions: "},{"_key":"0a660958404c","_type":"span","marks":[],"text":"Market conditions, sentiment and economic factors can also impact bond prices in the same way they impact share prices."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"7e5d90e1d232","_type":"block","children":[{"_key":"915b3da40ca4","_type":"span","marks":[],"text":""},{"_key":"504d82eb803a","_type":"mainAnchor","pageAnchor":{"_ref":"433053e5-5bc2-4d66-aefe-1786ed0cb86f","_type":"reference"}},{"_key":"5ce4755ecaff0","_type":"span","marks":[],"text":"How do I know how bonds will perform vs cash?"}],"markDefs":[],"style":"h2"},{"_key":"9a35e2149d58","_type":"block","children":[{"_key":"c3859c53f02f","_type":"span","marks":[],"text":"Unfortunately, predicting the future performance of any investment with certainty is virtually impossible."}],"markDefs":[],"style":"normal"},{"_key":"813dac338e48","_type":"block","children":[{"_key":"6fd7f04be692","_type":"span","marks":[],"text":"Bonds have historically been considered lower-risk investments, but this is not a 100% bulletproof rule. For example, in September 2022 - following ex-Chancellor Kwasi Kwarteng’s infamous “mini Budget” - there were serious concerns about the amount of spending the then-government had proposed and therefore how it would be able to keep up with national debt (including gilts)."}],"markDefs":[],"style":"normal"},{"_key":"a0b2b81f847e","_type":"block","children":[{"_key":"8e6db4cd31e8","_type":"span","marks":[],"text":"These questions around the perceived creditworthiness of the UK government impacted the bond market, pushing yields up as these loans were seen to be riskier than they had been beforehand. As yields went up, the price of UK gilts fell - and this caused the bond market to contract, as lending to the UK government became less attractive to investors (institutional and private)."}],"markDefs":[],"style":"normal"},{"_key":"6c32eb4113db","_type":"block","children":[{"_key":"16474136e415","_type":"span","marks":[],"text":"People who were invested in bonds during this period saw the value of their investments fall. For those with a well-diversified portfolio (invested in lots of different things in different proportions), the impact of this was likely to be muted. However, individuals with a high proportion allocated to bonds – such as pension funds, which typically favour bonds for their low-risk reputation – saw a bigger dip."}],"markDefs":[],"style":"normal"},{"_key":"30fde4a880db","_type":"block","children":[{"_key":"9d7c567cf94e","_type":"span","marks":[],"text":"Since then, the bond market has recovered and it is generally agreed that this was an unusual set of circumstances. Bonds are usually low risk investments and can play an important role in ensuring your investment portfolio is diversified – and not all in shares, for example."}],"markDefs":[],"style":"normal"},{"_key":"4752447969bc","_type":"block","children":[{"_key":"00e43f27a5e5","_type":"span","marks":[],"text":"So you can see that by understanding the factors that can influence bond performance, you can get a better sense of how they work and how best to incorporate them into your investment portfolio."}],"markDefs":[],"style":"normal"},{"_key":"aff983865960","_type":"block","children":[{"_key":"bc760933457c","_type":"span","marks":[],"text":""},{"_key":"c050e8063d49","_type":"mainAnchor","pageAnchor":{"_ref":"8b590d7c-c5cf-48be-aa8b-f64f836f3617","_type":"reference"}},{"_key":"6f62f9ada198","_type":"span","marks":[],"text":"How can I invest in bonds?"}],"markDefs":[],"style":"h2"},{"_key":"786650885125","_type":"block","children":[{"_key":"85a5285ccd42","_type":"span","marks":[],"text":"If you have a pension or you're an investor already, you likely already invest in bonds - they're extremely common components of pensions and are often included in various types of funds, such as multi-asset "},{"_key":"f28f28f23e96","_type":"span","marks":["b9f70e6a6e3a"],"text":"funds"},{"_key":"c962749127b0","_type":"span","marks":[],"text":", "},{"_key":"1b2ef61ef27a","_type":"span","marks":["ee0a635edab8"],"text":"ETFs"},{"_key":"ddcbd9780996","_type":"span","marks":[],"text":" and "},{"_key":"e2618dc15e95","_type":"span","marks":["ff7c8e2c54d1"],"text":"ready-made portfolios"},{"_key":"bfe93ba338ec","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b9f70e6a6e3a","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}},{"_key":"ee0a635edab8","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}},{"_key":"ff7c8e2c54d1","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"05e707e3aa2e","_type":"block","children":[{"_key":"416e8bb4d45d","_type":"span","marks":[],"text":"Before you hunt for new bonds to add to your portfolio, it's a good idea to check what you're already invested in to make sure you're not doubling up or allocating"},{"_key":"a7905b1a3d2f","_type":"span","marks":["em"],"text":" too"},{"_key":"ad03830e5af1","_type":"span","marks":[],"text":" much to bonds. If you have a pension product, check your annual pension documents for details on what your pot is invested in. For other investment products, most providers allow you to log into your account on desktop or via an app to see a breakdown of your portfolio."}],"markDefs":[],"style":"normal"},{"_key":"bfe2c9c12e93","_type":"block","children":[{"_key":"2849b0cbdd05","_type":"span","marks":[],"text":"If you're looking to invest in bonds, there are many investment platforms on the market that will allow you to do so directly. 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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":"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"},{"LeftSideText":[{"_key":"29e5815ac3a7","_type":"block","children":[{"_key":"706f02f0f1f2","_type":"span","marks":[],"text":"FREE TOOL: Not sure which ISA or pension is right for you?"}],"markDefs":[],"style":"h4"},{"_key":"413101212e38","_type":"block","children":[{"_key":"689ff7bc39ee","_type":"span","marks":[],"text":"Answer 6 questions. Get 3 tailored recommendations. Independent, unbiased, free."}],"markDefs":[],"style":"normal"}],"_key":"8c91ab282a38","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"reference":{"_ref":"249771c5-00b0-4103-9775-fe8bb8339397","_type":"reference"},"text":"FIND MY ISA"},{"_key":"50f10f0f6a8a","_type":"block","children":[{"_key":"0876d3b43bc1","_type":"span","marks":[],"text":""}],"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-5ed7e4bf99e8196fa217894330eaef10e1131ccc-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","text":[{"_key":"f41512cd32a0","_type":"block","children":[{"_key":"2c6df9dcfbed","_type":"span","marks":[],"text":"Ready to open a Stocks & Shares ISA? 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Get "},{"_key":"331d19f4e6ea","_type":"span","marks":["strong"],"text":"5% AER"},{"_key":"190246e9e4ad","_type":"span","marks":[],"text":" on your uninvested ISA cash while you decide where to invest (T&Cs apply)."}],"markDefs":[],"style":"normal"},{"_key":"b14f7c38c9d3","_type":"block","children":[{"_key":"2f5d0506d7c6","_type":"span","marks":[],"text":"When you're ready to dive deeper, IG has you covered with "},{"_key":"aef5879f8e76","_type":"span","marks":["strong"],"text":"industry-leading education"},{"_key":"78189b3c8827","_type":"span","marks":[],"text":" through IG Academy, plus"},{"_key":"4aa70fb0f3a0","_type":"span","marks":["strong"],"text":" advanced charting tools"},{"_key":"9284372ac7ba","_type":"span","marks":[],"text":" via ProRealTime and TradingView for when you want to take a more hands-on approach."}],"markDefs":[],"style":"normal"},{"_key":"212b1976d129","_type":"block","children":[{"_key":"65dd11b69550","_type":"span","marks":["299a017cc91f"],"text":"Invest in shares, ETFs, and funds"},{"_key":"e1bc555c21c0","_type":"span","marks":[],"text":" — all tax-free within your annual £20,000 ISA allowance."}],"markDefs":[{"_key":"299a017cc91f","_type":"internalLinkPick","blank":true,"reference":{"_ref":"3b87ca08-ad76-4bb8-8dfc-9af657bdf65b","_type":"reference"}}],"style":"normal"},{"_key":"f671aeabc348","_type":"block","children":[{"_key":"151a6be4871d","_type":"span","marks":["strong"],"text":"Capital at risk. Tax treatment depends on individual circumstances and may be subject to change."}],"markDefs":[],"style":"normal"}],"title":"Sponsored Message by IG"},{"_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":"OPEN AN IG ISA"}],"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":"3b87ca08-ad76-4bb8-8dfc-9af657bdf65b","_type":"reference"},"text":"GO TO IG"},{"_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. 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"}],"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 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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. 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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. 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All you have to do is arrange the initial investment and voilá, you’re an investor. 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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":{"_id":"9b1f4399-11e7-43f4-b6ea-8718b9895f89","_type":"glossaryHover","_rev":"lTp2d2CYb7e7Sxre7EBO5J","_createdAt":"2025-04-30T13:55:08Z","_updatedAt":"2025-04-30T13:55:21Z","description":"A document that provides information about an investment for prospective or current investors. 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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. 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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":{"_id":"51c9ec3b-283f-439f-8475-964151d80f2b","_type":"anchorCategory","_rev":"f48ePDkw69Hgp2bEhRM9br","_createdAt":"2025-07-21T16:49:42Z","_updatedAt":"2025-07-21T16:49:46Z","AnchorName":"canbeexpensive","id":"-42bec791-7d7d-5f1c-b907-d1ad52999d28","children":[],"parent":null}},{"_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":{"_id":"a4f2c20d-3281-4d94-abdb-4a361ef45dab","_type":"glossaryHover","_rev":"o7OZbxoPmY2fDdqRM0da4y","_createdAt":"2025-04-30T14:16:23Z","_updatedAt":"2025-04-30T14:16:28Z","description":"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.","title":"Robo adviser","id":"-23f96be4-4936-5af0-8802-11b83c44e40d","children":[],"parent":null}}],"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":{"_id":"4c907ba2-4736-40b1-9cbc-d4a67ed183f2","_type":"anchorCategory","_rev":"dKvQho9EGKUUnRSjKKkJPp","_createdAt":"2025-07-21T16:49:56Z","_updatedAt":"2025-07-21T16:49:59Z","AnchorName":"hardtocompareperformance","id":"-deb15b4c-77f1-5aab-87b8-49ff01954365","children":[],"parent":null}},{"_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. 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Charles Stanley, who was top of the charts last quarter, was the lowest performer this time around - although its 4.3% return was still higher than all the medium risk portfolios in Q2."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-f4926cb04582ff893ea454bf0e57e6af8bfebca5-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"5d005327-c2ad-4e57-825f-217aab678646","_type":"reference"},"title":"Medium Risk Q3 2025"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"c22716d55cdf","_type":"block","children":[{"_key":"e4c5f75d8cc1","_type":"span","marks":[],"text":"The average low risk portfolio returned 3.0% in Q3, led by Halifax who grew by 3.7%. Halifax hold roughly 77% of its portfolio in bonds, with 44% held internationally and 33% held in the UK. There is also a small allocation to emerging markets which have performed particularly well since the de-escalation of the global tariff tension in April."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-6944b5f1a76b8c5f563e0f943629bcf547f7b987-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"ecee872d-9fe7-429c-8259-e2bffdc17b7d","_type":"reference"},"title":"Low Risk Q3 2025"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q3 2025"},{"_key":"31afd52e4c9849571aaa509666a4570b","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"fb2406949157","_type":"block","children":[{"_key":"3481c3d9372c","_type":"span","marks":[],"text":"April - June 2025"}],"markDefs":[],"style":"h2"}],"styles":"Grey-Transparent","title":"April - June 2025"},{"_key":"7dac128a982d4b839efa5fa0bf91c008","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"e8602f95d323","_type":"block","children":[{"_key":"42e212ae4269","_type":"span","marks":[],"text":"Despite the chaos and political uncertainty, high risk portfolios performed strongly over Q2, with an average return of 4.7%. 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Its Moderate solution has roughly 55% of its assets in equities, and close to 40% in bonds."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-327316e8e5c29220e54f5595e97b129b9efce830-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"2a831602-06c6-4a7c-9645-223c5c928d10","_type":"reference"},"title":"Medium Risk Q2 2025"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"2a471b2ed012","_type":"block","children":[{"_key":"29db30a86c5d","_type":"span","marks":[],"text":"The average low risk portfolio returned 2.1% in Q2, posting a range of returns from 0.4% - 3.1%. Over half the providers exceeded the 2% mark, with Charles Stanley the only provider to return more than 3% this quarter. Aviva was the standout over the 1-year period."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-46812bbe5749779730ec49b097bcb1aaed295fad-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"438392ea-c744-4e24-8103-b400107fe951","_type":"reference"},"title":"Low Risk Q2 2025"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q2 2025","titleLineClamp":1},{"_key":"af84e266d6a3cd362216d935ae727fcc","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"fb2406949157","_type":"block","children":[{"_key":"3481c3d9372c","_type":"span","marks":[],"text":"January - March 2025"}],"markDefs":[],"style":"h2"}],"styles":"Grey-Transparent","title":"January - March 2025"},{"_key":"79f5def24cc8357a1bffbdad2dbc57ae","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"12b03384830d","_type":"block","children":[{"_key":"c4ea6a7fc38b","_type":"span","marks":[],"text":"The average high risk portfolio in this content series returned -3.1% over Q1, with all providers showing negative performance over the period. AJ Bell did the best, with a loss of -0.3%, whilst Aviva and Moneybox had the weakest quarterly performance in this category with returns below -5%."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-1dda7eeae114a6308b976753d18d472e626a93e1-1920x1080-jpg","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"a3e6c038-2ea1-41a5-b79b-0c9cf647655f","_type":"reference"},"title":"High Risk Q1 2025"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"febdbb5a6cf5","_type":"block","children":[{"_key":"1952f7cfed8b","_type":"span","marks":[],"text":"The average medium risk portfolio returned -1.2% in Q1, with Bestinvest being the standout performer over this period and the only provider to not register negative growth after fees. 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and 5.8% across the past 12 months - although average returns over a 2-year period are still negative overall with -0.5%."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-92b3842cd4ff86e1cf0d20b6ad6a748ccbb22cab-1920x1080-png","_type":"reference"}},"reference":{"_ref":"dfb6696f-f551-429f-a52f-8bb953084a82","_type":"reference"},"title":"Low Risk Q1 2024"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q1 2024","titleLineClamp":1},{"_key":"a0acc175336112a0a4f640e08c70dd28","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"October - December 2023"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"October - December 2023"},{"_key":"613b7c2f0810727533bc2f64047165ff","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"0d4f11e71a06","_type":"block","children":[{"_key":"3302b09be4990","_type":"span","marks":[],"text":"Performance of high risk portfolios in Q4 ranged from 4.9% to 7.4%. These portfolios will hold very high proportions of shares, and global stock markets typically posted strong gains in the last three months of 2023."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-ecf81965bb3c8cb142a832631a8f606b6ef0d891-8000x4500-png","_type":"reference"}},"reference":{"_ref":"aba48228-abcf-4733-b935-87a8435996b0","_type":"reference"},"title":"High Risk Q4 2023"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"28561ae4e205","_type":"block","children":[{"_key":"0102e69e8e520","_type":"span","marks":[],"text":"The top-performing medium risk portfolio across 2023 was Moneybox’s Balanced option, returning a chunky 12.2% for the year - of which 6.6% was clocked up in the last three months."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-110a6ff72817a772e5c5b08c3a5bc1ee592616cc-8000x4500-png","_type":"reference"}},"reference":{"_ref":"a1f2b394-0bd1-4b1a-9ad3-cead8d62a520","_type":"reference"},"title":"Medium Risk Q4 2023"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"ee8d09fdc454","_type":"block","children":[{"_key":"fa94048780cf0","_type":"span","marks":[],"text":"The adage for low risk portfolios in Q4 is that every dog has its day. Santander ready-made portfolios have a very high proportion of bonds, and their portfolios suffered in 2022 and 2023. However in Q4, it was precisely this allocation to these bonds which propelled the humble low risk portfolio, with just 17% in shares, to the top of the charts"}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-939b46171642f717df2e8f3ace8e65185896d40d-8000x4500-png","_type":"reference"}},"reference":{"_ref":"c62d0330-052c-4720-a351-9a8cd2041d0d","_type":"reference"},"title":"Low Risk Q4 2023"}],"equaliseHeight":false,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q4 2023","titleLineClamp":1},{"_key":"d842e622a75ff62bf410d4b9f1644dfa","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"July - September 2023"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"July - September 2023"},{"_key":"e8c7d3815a3fea71d8ecc62901e09c39","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"b4d701f68ffb","_type":"block","children":[{"_key":"352e54573394","_type":"span","marks":[],"text":"In general, global shares went down in Q3, after a promising first 6 months of 2023. Despite poorer performance over the last quarter, 2023 has been a much better year for shares than 2022. The average high risk portfolio in our content series has returned 7.4% across the past 12-months, compared to 0.04% in the past 24-months."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios in the third quarter for the high risk category","asset":{"_ref":"image-cfeaeebc07252915b1c3a796c1ca98b38ca5c39e-4000x2250-png","_type":"reference"}},"reference":{"_ref":"074163d4-e2ca-4551-a98d-9371b10a74f7","_type":"reference"},"title":"High Risk Q3 2023"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"f8252fe13171","_type":"block","children":[{"_key":"c73c5e4444a4","_type":"span","marks":[],"text":"The medium risk portfolios have lost an average of -5.5% over the past 2 years, with only AJ Bell's balanced fund posting a positive return over this timeframe. Interestingly, when looking over only the past 12-months instead, every portfolio has positive returns, which range from 2.9% - 7.5%. This is a more typical year and what we would expect for these mid-range portfolios which are a mix of shares and bonds."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios in the third quarter for the medium risk category","asset":{"_ref":"image-16c24679ec8a17a15bc894ae17de7eb5502a164d-4000x2250-png","_type":"reference"}},"reference":{"_ref":"5aba5cf7-dcb1-4105-9a53-aba00a65671f","_type":"reference"},"title":"Medium Risk Q3 2023"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"bc9569681a75","_type":"block","children":[{"_key":"39d991f1e22d","_type":"span","marks":[],"text":"Low risk portfolios have lost an average -9.2% in the past 2 years, which is over 16% lower than the average high risk portfolios in this content series. Say what?! If high negative returns from a 'low risk' investment over such a short timeframe feels bizarre to you - don't worry, it is. Research from Deutsche Bank suggests that 2022 had the worst combined total return for stocks and bonds, in an annual assessment that goes as far back as 1872!"}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios in the third quarter for the low risk category","asset":{"_ref":"image-2f2c4a877fbf746e8af5e68e3b125145623e6d61-4000x2250-png","_type":"reference"}},"reference":{"_ref":"97fc0c0e-a473-4bca-ab57-c7b1ad663cbd","_type":"reference"},"title":"Low Risk Q3 2023"}],"equaliseHeight":false,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q3 2023","titleLineClamp":1},{"_key":"d08ebc842e617860f73b692b3bcefcd1","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"April - June 2023"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"April - June 2023"},{"_key":"0feac38faee54b20838d7a7ba4497d34","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"0da228b17a65","_type":"block","children":[{"_key":"1a3109cfddb50","_type":"span","marks":[],"text":"Vanguard and AJ Bell have performed the best in this risk profile over the last 2 years, returning 6.9% and 6.6% respectively after all charges. At the other end of the scale, True Potential and Charles Stanley's portfolios struggled, with respective losses of 2.2% and 6.7% after charges."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performing ready made portfolio in the high risk category | Vanguard and AJ Bell","asset":{"_ref":"image-109711721a1384b2568fd19859765a9a1189fedf-1920x1080-png","_type":"reference"}},"reference":{"_ref":"aa5d92ca-8b25-4e96-bd38-8b8f1fce60fb","_type":"reference"},"title":"High Risk Q2 2023"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"8b110078251d","_type":"block","children":[{"_key":"af04e5684f460","_type":"span","marks":[],"text":"AJ Bell, Moneybox and HSBC have been the top performers here, whilst Nutmeg and Vanguard's LifeStrategy 40 have struggled. With around 40% in shares, we would expect solutions like Vanguard LifeStrategy 40 and Bestinvest’s Smart Cautious option to perform less strongly than others in this category with higher allocations to shares."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performer in medium risk investments funds category | AJ Bell, Moneybox and HSBC","asset":{"_ref":"image-905acd1a1338a121f48255d0f65f704fdb10e9af-1920x1080-png","_type":"reference"}},"reference":{"_ref":"b1f15cde-f1ff-42f6-ba5c-3274224b0a24","_type":"reference"},"title":"Medium Risk Q2 2023"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"9c55c2f305f0","_type":"block","children":[{"_key":"3018880fde570","_type":"span","marks":[],"text":"Amongst the low risk portfolios, Moneybox, AJ Bell and Charles Stanley have performed the best over the past 2 years, although they have posted losses 3.8%, 4.7% and 6.8% respectively. For context, the average low risk portfolio in our coverage returned -9.2%."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios the first quarter for low risk category | Moneybox, AJ Bell and Charles Stanley","asset":{"_ref":"image-8d46287c5069ac3e1f43b0e5b1bc18a3a0f3d82d-1920x1080-png","_type":"reference"}},"reference":{"_ref":"d2951da1-171b-4f93-9b7d-d60cef79b166","_type":"reference"},"title":"Low Risk Q2 2023"}],"equaliseHeight":false,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q2 2023","titleLineClamp":1},{"_key":"0ed5cc8086a1b7de65901f1598781f49","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"January - March 2023"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"January - March 2023"},{"_key":"d9797c1ba03070fa2e258a8fe08311af","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"645396b0bc39","_type":"block","children":[{"_key":"09893e79d0b40","_type":"span","marks":[],"text":"After a less-than-stellar year in 2022, ready-made portfolio results from Q1 2023 have been decidedly more positive. 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Every single one of the medium risk portfolios we track booked positive returns."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performer in medium risk investments funds category | AJ Bell ","asset":{"_ref":"image-2f014064122b6b9746382c3f94b08ca2623359d2-1920x1080-png","_type":"reference"}},"reference":{"_ref":"9a91e51a-6ddc-44de-a7bc-fa419c5298c6","_type":"reference"},"title":"Medium Risk Q1 2023"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"e74a1dcca941","_type":"block","children":[{"_key":"eed9369c0ebc0","_type":"span","marks":[],"text":"Following a less-than-stellar 2022, ready-made portfolio results from Q1 2023 have been decidedly more positive. Out of all of the low risk portfolios we track, only one booked negative growth between 1 January and 31 March."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios the first quarter for low risk category | Moneybox","asset":{"_ref":"image-0b90a63aeefb2d0cfb763d9058400416bb050c86-1920x1080-png","_type":"reference"}},"reference":{"_ref":"aa225021-17ea-43b9-b126-fb1bfa136cf9","_type":"reference"},"title":"Low Risk Q1 2023"}],"equaliseHeight":false,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q1 2023","titleLineClamp":1},{"_key":"5167c07001128e31fa3a741b9c74a159","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"October - December 2022"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"October - December 2022"},{"_key":"7f730c67ea73","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"6be66962b967","_type":"block","children":[{"_key":"51ece88606b5","_type":"span","marks":[],"text":"Mostly thanks to the poor performance of UK bonds, high risk ready-made portfolios recorded slightly higher returns in Q4 2022 than the medium and low-risk options."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performing ready made portfolio in the high risk category | AJ Bell ","asset":{"_ref":"image-ad17451030c1c6db8eae0fe89b37cb2bfaa62790-1920x1080-png","_type":"reference"}},"reference":{"_ref":"19dec4f2-01f1-40a2-a00e-adfc9b4a8ba3","_type":"reference"},"title":"High Risk Q4 2022"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"f5b530186c43","_type":"block","children":[{"_key":"ac871bb222d5","_type":"span","marks":[],"text":"With a typically higher weighting in bonds than the high risk options, medium risk ready-made portfolios recorded sore losses in 2022, posting average losses of 10.7% for the year. These options typically have a range of between 40% and 60% in shares."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performer in medium risk investments funds category | AJ Bell ","asset":{"_ref":"image-dd1487250f5817cf9517b2453131f4f435e449e4-1920x1080-png","_type":"reference"}},"reference":{"_ref":"456dd9c5-b9c9-4030-aae7-cfa59c221306","_type":"reference"},"title":"Medium Risk Q4 2022"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"648cb295e1a2","_type":"block","children":[{"_key":"0ac1debde4ba","_type":"span","marks":[],"text":"The greatest victim of the tumbling bond prices we saw towards the end of September in 2022, which hammered returns. Things then bounced back in the last three months of the year as a semblance of calm returned."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios December 2022 for low risk category | AJ Bell","asset":{"_ref":"image-3e5e732747008796aaf7da4a80b50da53d9d93d6-1920x1080-png","_type":"reference"}},"reference":{"_ref":"6ab63823-b9a6-45a3-8d4a-63208ca2796a","_type":"reference"},"title":"Low Risk Q4 2022"}],"equaliseHeight":false,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q4 2022 Performance ","titleLineClamp":1},{"_key":"f42c93ac5a43","_type":"heroSection","alignment":"Text Left","introPara":[{"_key":"779185ce9ad8","_type":"block","children":[{"_key":"e55fe3965b64","_type":"span","marks":[],"text":"What is a ready-made portfolio?"}],"markDefs":[],"style":"h2"},{"_key":"70214f55ef21","_type":"block","children":[{"_key":"8e40384b381e","_type":"span","marks":[],"text":"Ready-made portfolios are the investing equivalent of a ready meal. Quick, easy, all done for you. Discover more about these premade investment portfolios, including how they work and who they're good for, in our no-nonsense guide."}],"markDefs":[],"style":"normal"}],"linkText":"READ GUIDE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-7193a7d5b0dace716ec571390ff06983fb9fcd45-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"},"styles":"Half-Padding-Blue","title":"What is a ready-made portfolio?"},{"_key":"f78639064f90","_type":"smallSpacerBlock","styles":"Blue"}],"excerpt":[{"_key":"15f690eadec2","_type":"block","children":[{"_key":"7aef555c74bf","_type":"span","marks":[],"text":"Explore the best-performing ready-made investment portfolios with our quarterly round-up. Compare returns and risk levels to see how your investments are stacking up. Plus, delve into expert analysis on the market trends behind the numbers."}],"markDefs":[],"style":"normal"}],"publishedAt":"2025-09-29T11:42:10.305Z","slug":{"_type":"slug","current":"ready-made-solutions"},"subfolder":{"_ref":"898aefb3-376c-4738-ab71-6f9fc4cfb270","_type":"reference"},"theme":"Boring Money theme","title":"Top Performing Ready-Made Investments | Returns, Risk Levels & Market Analysis","id":"-35843912-cc31-5ff1-a951-b812a425fc5a","children":[],"parent":null}}],"style":"normal"},{"_key":"9d7b668936f0","_type":"block","children":[{"_key":"ca9cec0117b7","_type":"span","marks":[],"text":""},{"_key":"5cd5e1d68f45","_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":"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":{"_id":"282a43f9-0565-46fe-aa52-8a66a420d68a","_type":"anchorCategory","_rev":"cASdqEbMn7tolEBHz990Ao","_createdAt":"2023-11-16T14:44:55Z","_updatedAt":"2023-11-16T14:44:55Z","AnchorName":"readymadeportfoliovsmultiassetfundvsroboadviser","id":"-c98fcb8b-c0eb-5933-9b7d-bf87e3c191b9","children":[],"parent":null}},{"_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. 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"}],"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. 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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! 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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. 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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. 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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. 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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":{"_id":"9d62b1af-7674-4f39-ba20-b0154d565241","_type":"glossaryHover","_rev":"MWBkGBbR8fSk83dhcknoSB","_createdAt":"2025-04-30T13:50:24Z","_updatedAt":"2025-05-08T11:32:56Z","description":"Term used to describe how quickly the prices of goods and services is rising over a period of time. 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and 5.8% across the past 12 months - although average returns over a 2-year period are still negative overall with -0.5%."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-92b3842cd4ff86e1cf0d20b6ad6a748ccbb22cab-1920x1080-png","_type":"reference"}},"reference":{"_ref":"dfb6696f-f551-429f-a52f-8bb953084a82","_type":"reference"},"title":"Low Risk Q1 2024"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q1 2024","titleLineClamp":1},{"_key":"a0acc175336112a0a4f640e08c70dd28","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"October - December 2023"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"October - December 2023"},{"_key":"613b7c2f0810727533bc2f64047165ff","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"0d4f11e71a06","_type":"block","children":[{"_key":"3302b09be4990","_type":"span","marks":[],"text":"Performance of high risk portfolios in Q4 ranged from 4.9% to 7.4%. These portfolios will hold very high proportions of shares, and global stock markets typically posted strong gains in the last three months of 2023."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-ecf81965bb3c8cb142a832631a8f606b6ef0d891-8000x4500-png","_type":"reference"}},"reference":{"_ref":"aba48228-abcf-4733-b935-87a8435996b0","_type":"reference"},"title":"High Risk Q4 2023"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"28561ae4e205","_type":"block","children":[{"_key":"0102e69e8e520","_type":"span","marks":[],"text":"The top-performing medium risk portfolio across 2023 was Moneybox’s Balanced option, returning a chunky 12.2% for the year - of which 6.6% was clocked up in the last three months."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-110a6ff72817a772e5c5b08c3a5bc1ee592616cc-8000x4500-png","_type":"reference"}},"reference":{"_ref":"a1f2b394-0bd1-4b1a-9ad3-cead8d62a520","_type":"reference"},"title":"Medium Risk Q4 2023"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"ee8d09fdc454","_type":"block","children":[{"_key":"fa94048780cf0","_type":"span","marks":[],"text":"The adage for low risk portfolios in Q4 is that every dog has its day. Santander ready-made portfolios have a very high proportion of bonds, and their portfolios suffered in 2022 and 2023. However in Q4, it was precisely this allocation to these bonds which propelled the humble low risk portfolio, with just 17% in shares, to the top of the charts"}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-939b46171642f717df2e8f3ace8e65185896d40d-8000x4500-png","_type":"reference"}},"reference":{"_ref":"c62d0330-052c-4720-a351-9a8cd2041d0d","_type":"reference"},"title":"Low Risk Q4 2023"}],"equaliseHeight":false,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q4 2023","titleLineClamp":1},{"_key":"d842e622a75ff62bf410d4b9f1644dfa","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"July - September 2023"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"July - September 2023"},{"_key":"e8c7d3815a3fea71d8ecc62901e09c39","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"b4d701f68ffb","_type":"block","children":[{"_key":"352e54573394","_type":"span","marks":[],"text":"In general, global shares went down in Q3, after a promising first 6 months of 2023. Despite poorer performance over the last quarter, 2023 has been a much better year for shares than 2022. The average high risk portfolio in our content series has returned 7.4% across the past 12-months, compared to 0.04% in the past 24-months."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios in the third quarter for the high risk category","asset":{"_ref":"image-cfeaeebc07252915b1c3a796c1ca98b38ca5c39e-4000x2250-png","_type":"reference"}},"reference":{"_ref":"074163d4-e2ca-4551-a98d-9371b10a74f7","_type":"reference"},"title":"High Risk Q3 2023"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"f8252fe13171","_type":"block","children":[{"_key":"c73c5e4444a4","_type":"span","marks":[],"text":"The medium risk portfolios have lost an average of -5.5% over the past 2 years, with only AJ Bell's balanced fund posting a positive return over this timeframe. Interestingly, when looking over only the past 12-months instead, every portfolio has positive returns, which range from 2.9% - 7.5%. This is a more typical year and what we would expect for these mid-range portfolios which are a mix of shares and bonds."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios in the third quarter for the medium risk category","asset":{"_ref":"image-16c24679ec8a17a15bc894ae17de7eb5502a164d-4000x2250-png","_type":"reference"}},"reference":{"_ref":"5aba5cf7-dcb1-4105-9a53-aba00a65671f","_type":"reference"},"title":"Medium Risk Q3 2023"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"bc9569681a75","_type":"block","children":[{"_key":"39d991f1e22d","_type":"span","marks":[],"text":"Low risk portfolios have lost an average -9.2% in the past 2 years, which is over 16% lower than the average high risk portfolios in this content series. Say what?! If high negative returns from a 'low risk' investment over such a short timeframe feels bizarre to you - don't worry, it is. Research from Deutsche Bank suggests that 2022 had the worst combined total return for stocks and bonds, in an annual assessment that goes as far back as 1872!"}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios in the third quarter for the low risk category","asset":{"_ref":"image-2f2c4a877fbf746e8af5e68e3b125145623e6d61-4000x2250-png","_type":"reference"}},"reference":{"_ref":"97fc0c0e-a473-4bca-ab57-c7b1ad663cbd","_type":"reference"},"title":"Low Risk Q3 2023"}],"equaliseHeight":false,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q3 2023","titleLineClamp":1},{"_key":"d08ebc842e617860f73b692b3bcefcd1","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"April - June 2023"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"April - June 2023"},{"_key":"0feac38faee54b20838d7a7ba4497d34","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"0da228b17a65","_type":"block","children":[{"_key":"1a3109cfddb50","_type":"span","marks":[],"text":"Vanguard and AJ Bell have performed the best in this risk profile over the last 2 years, returning 6.9% and 6.6% respectively after all charges. At the other end of the scale, True Potential and Charles Stanley's portfolios struggled, with respective losses of 2.2% and 6.7% after charges."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performing ready made portfolio in the high risk category | Vanguard and AJ Bell","asset":{"_ref":"image-109711721a1384b2568fd19859765a9a1189fedf-1920x1080-png","_type":"reference"}},"reference":{"_ref":"aa5d92ca-8b25-4e96-bd38-8b8f1fce60fb","_type":"reference"},"title":"High Risk Q2 2023"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"8b110078251d","_type":"block","children":[{"_key":"af04e5684f460","_type":"span","marks":[],"text":"AJ Bell, Moneybox and HSBC have been the top performers here, whilst Nutmeg and Vanguard's LifeStrategy 40 have struggled. With around 40% in shares, we would expect solutions like Vanguard LifeStrategy 40 and Bestinvest’s Smart Cautious option to perform less strongly than others in this category with higher allocations to shares."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performer in medium risk investments funds category | AJ Bell, Moneybox and HSBC","asset":{"_ref":"image-905acd1a1338a121f48255d0f65f704fdb10e9af-1920x1080-png","_type":"reference"}},"reference":{"_ref":"b1f15cde-f1ff-42f6-ba5c-3274224b0a24","_type":"reference"},"title":"Medium Risk Q2 2023"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"9c55c2f305f0","_type":"block","children":[{"_key":"3018880fde570","_type":"span","marks":[],"text":"Amongst the low risk portfolios, Moneybox, AJ Bell and Charles Stanley have performed the best over the past 2 years, although they have posted losses 3.8%, 4.7% and 6.8% respectively. For context, the average low risk portfolio in our coverage returned -9.2%."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios the first quarter for low risk category | Moneybox, AJ Bell and Charles Stanley","asset":{"_ref":"image-8d46287c5069ac3e1f43b0e5b1bc18a3a0f3d82d-1920x1080-png","_type":"reference"}},"reference":{"_ref":"d2951da1-171b-4f93-9b7d-d60cef79b166","_type":"reference"},"title":"Low Risk Q2 2023"}],"equaliseHeight":false,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q2 2023","titleLineClamp":1},{"_key":"0ed5cc8086a1b7de65901f1598781f49","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"January - March 2023"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"January - March 2023"},{"_key":"d9797c1ba03070fa2e258a8fe08311af","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"645396b0bc39","_type":"block","children":[{"_key":"09893e79d0b40","_type":"span","marks":[],"text":"After a less-than-stellar year in 2022, ready-made portfolio results from Q1 2023 have been decidedly more positive. 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Every single one of the medium risk portfolios we track booked positive returns."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performer in medium risk investments funds category | AJ Bell ","asset":{"_ref":"image-2f014064122b6b9746382c3f94b08ca2623359d2-1920x1080-png","_type":"reference"}},"reference":{"_ref":"9a91e51a-6ddc-44de-a7bc-fa419c5298c6","_type":"reference"},"title":"Medium Risk Q1 2023"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"e74a1dcca941","_type":"block","children":[{"_key":"eed9369c0ebc0","_type":"span","marks":[],"text":"Following a less-than-stellar 2022, ready-made portfolio results from Q1 2023 have been decidedly more positive. 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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’. 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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. 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"}],"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. 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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. 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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. 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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. 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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 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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). 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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. 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You can phone up and speak to someone to alleviate any nerves. As this service has been consumed by Wall Street Big Boy J.P. Morgan, it has become very dry and corporate BUT has helpful information and supporting info. Bit too much jargon and feels quite stern, but with fair costs, integration with digital Chase banking, and access to real life humans on the phone, there is a lot to like."}],"markDefs":[],"style":"normal"}]},{"_key":"7651dccaef37","_type":"block","children":[{"_key":"0f61f631d62d","_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. 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There is also the choice of ready-made portfolios, such as the famed LifeStrategy range. Note that individual shares, investment trusts and other investments such as bonds are not available with a Vanguard ISA."}],"markDefs":[],"style":"normal"},{"_key":"7fc7f2136b79","_type":"block","children":[{"_key":"6a157b1d58230","_type":"span","marks":[],"text":"The cost of investing with a Vanguard ISA differs depending on how much you invest and your account type. For a self-managed Stocks and Shares ISA, the account fee is £4 a month for balances under £32,000 and 0.15% a year for balances over £32,000, with a maximum of £375 a year. The fund management cost ranges from 0.06% to 0.79%, depending on the specific fund. 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There is also the option to take a quiz and have Vanguard match you with investments that “fit your attitude to risk”, plus get optional access to expert guidance."}],"markDefs":[],"style":"normal"},{"_key":"407bb9ed5695","_type":"block","children":[{"_key":"521b840f5769","_type":"span","marks":[],"text":"The cost of investing with a Vanguard SIPP differs depending on how much you invest and your account type. For a managed SIPP, the account fee is 0.15% a year, with an additional 0.30% management fee and fund management charges of about 0.17% depending on your portfolio, totalling an all-in cost of around 0.62%."}],"markDefs":[],"style":"normal"},{"_key":"a86bea1be945","_type":"block","children":[{"_key":"01625865722d0","_type":"span","marks":[],"text":"You can set up a Vanguard SIPP with a £500 initial lump sum or start with £100 monthly regular investing installments."}],"markDefs":[],"style":"normal"},{"_key":"07744add9fa4","_type":"block","children":[{"_key":"4c88dc876e77","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9c1bb78bc213","_type":"block","children":[{"_key":"f4305fe1f515","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Vanguard Pension review"},{"_key":"655bbfdee49e","_type":"block","children":[{"_key":"5be44949b009","_type":"span","marks":[],"text":""},{"_key":"c8c7452b0adf","_type":"mainAnchor","pageAnchor":{"_ref":"ee27d09d-a3cd-4792-9e2a-c3c517b2e0b2","_type":"reference"}},{"_key":"2fcee4b1fdf5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b27178c94a73","_type":"textboxWidget","text":[{"_key":"39d0b591ba1b","_type":"block","children":[{"_key":"83f84237eb81","_type":"span","marks":[],"text":"Vanguard 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":"7ff43d774b85","_type":"block","children":[{"_key":"c07b73d150f00","_type":"span","marks":[],"text":"Like the adult Stocks & Shares ISA, JISA users can choose from a range of investments including over 85 funds, ETFs and Vanguard’s own ready-made portfolios. 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Any amount above this threshold is unlikely to be covered. Investments with Vanguard, on the other hand, are not guaranteed - by their nature, investments can and will go up and down in value."}],"markDefs":[],"style":"normal"},{"_key":"3d0f6d9cf4f7","_type":"block","children":[{"_key":"50aa8a6a1197","_type":"span","marks":[],"text":""},{"_key":"a4bbeea1bc80","_type":"mainAnchor","pageAnchor":{"_ref":"565edaa6-ad24-4e23-9720-11938d4dd074","_type":"reference"}},{"_key":"5928213953fc","_type":"span","marks":[],"text":"Who owns Vanguard?"}],"markDefs":[],"style":"h3"},{"_key":"0974ad308043","_type":"block","children":[{"_key":"205f6431eb040","_type":"span","marks":[],"text":"John C. Bogle (1929–2019) founded Vanguard in 1975. Since its inception, Bogle structured Vanguard to be owned by its own funds, which in turn means it’s owned by its own investors. 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If you already hold Vanguard funds with another provider, you can transfer these to Vanguard directly as units or shares in what is known as an ‘in specie transfer’."}],"markDefs":[],"style":"normal"},{"_key":"266d49796e46","_type":"block","children":[{"_key":"60543bb16a5f0","_type":"span","marks":[],"text":"Individuals with a defined benefit/final salary pension scheme worth over £30,000 need to have their transfer signed off by a registered financial adviser first. 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Vanguard’s S&P 500 Acc – more commonly known as VUAG – is a frequent member of our monthly "},{"_key":"d6fff89ab6ac","_type":"span","marks":["11253ab206e1"],"text":"best-selling funds"},{"_key":"3464e34ea244","_type":"span","marks":[],"text":" round-up."}],"markDefs":[{"_key":"11253ab206e1","_type":"internalLinkPick","reference":{"_ref":"aadcd51e-3d7b-47ae-94da-4226f4f25ea8","_type":"reference"}}],"style":"normal"},{"_key":"1a5a43ffe995","_type":"block","children":[{"_key":"6e451d037246","_type":"span","marks":[],"text":""},{"_key":"21b765e7435d","_type":"mainAnchor","pageAnchor":{"_ref":"08f91d37-f8e6-4d45-bf2f-c8d9fb950e62","_type":"reference"}},{"_key":"9a608bfe3cf8","_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? 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Remember that investments can also fall, so you might not get all of your money back. 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Get total access to our research-backed views, information on costs, charges and more.","enableGatedContent":true,"excerpt":[{"_key":"1565e8af9116","_type":"block","children":[{"_key":"8ab9e5887cf3","_type":"span","marks":[],"text":"Low-cost, no frills investing. The website is fine and supports those who want a simple buy and hold approach. Their LifeStrategy funds offer ready-made investment solutions and with over 30 million mostly happy customers globally, this feels like a safe option for most. 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The website is fine and supports those who want a simple buy and hold approach. Their LifeStrategy funds offer ready-made investment solutions and with over 30 million mostly happy customers globally, this feels like a safe option for most. Suitable for beginners and passive investing enthusiasts. Content, research and support is pretty sparse, and they need work. Beginners - you will have to persevere with which LIfeStrategy option (there are 5) to plump for. But these guys are solid and, let’s say it again – LOW COST! A good option for beginners or conversely those who have tried to be a Guru and now lack the energy to continue or the belief that they can do better."}],"markDefs":[],"style":"normal"}]},{"_key":"617fb54711bd","_type":"block","children":[{"_key":"0d77c986157e","_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. 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The service is not the most exciting in town, and the supporting content and website could use some work, but they now have a decent app to support the journey. Changes to costs mean this is not the slam-dunk on costs for smaller investors that it used to be BUT it remains a pretty good value solution for people who don't want to choose from a range of funds and shares. Its Managed ISA and pension service are the most cost-effective and these ready-made options will please people who don't know how to - or who choose not to - manage a full portfolio themselves."}],"markDefs":[],"style":"normal"}]},{"_key":"2558928113d4","_type":"block","children":[{"_key":"1f2d365d2a22","_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. 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It is low-cost with competitive platform charges of 0.15% or £4/month (for balances under £32,000) and low fund management costs starting from 0.06%. Vanguard 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":"85fccca46f16","_type":"block","children":[{"_key":"54c84504d57c","_type":"span","marks":[],"text":""},{"_key":"18834c8f6f5d","_type":"mainAnchor","pageAnchor":{"_ref":"68a2740c-2fdd-48f2-a439-70e9257fa1dc","_type":"reference"}},{"_key":"3004ce3dc53c","_type":"span","marks":[],"text":"Pros and cons"}],"markDefs":[],"style":"h2"},{"_key":"92ebc1ccc92b","_type":"block","children":[{"_key":"d69f05b91b560","_type":"span","marks":[],"text":"Still not quite sure if Vanguard is right for you? 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There is also the choice of ready-made portfolios, such as the famed LifeStrategy range. Note that individual shares, investment trusts and other investments such as bonds are not available with a Vanguard ISA."}],"markDefs":[],"style":"normal"},{"_key":"7fc7f2136b79","_type":"block","children":[{"_key":"6a157b1d58230","_type":"span","marks":[],"text":"The cost of investing with a Vanguard ISA differs depending on how much you invest and your account type. For a self-managed Stocks and Shares ISA, the account fee is £4 a month for balances under £32,000 and 0.15% a year for balances over £32,000, with a maximum of £375 a year. The fund management cost ranges from 0.06% to 0.79%, depending on the specific fund. 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"}],"markDefs":[],"style":"normal"},{"_key":"771ab82c3a5f","_type":"block","children":[{"_key":"16010b9c9f80","_type":"span","marks":[],"text":"You can open a Junior ISA for each of your children under the age of 18 and can put in up to £9,000 every single year without paying a penny of tax. They come in Cash and Stocks & Shares varieties so you can choose which type suits your (and your kids') needs best. Plus, anyone can pay into a JISA until your child’s 18th birthday, at which point your little one (or not-so-little one anymore!) gets their hands on the money. "}],"markDefs":[],"style":"normal"},{"_key":"1975a1680773","_type":"block","children":[{"_key":"69e8131fb564","_type":"span","marks":[],"text":"Note though that you can't open a JISA if you already have a Child Trust Fund, and though your kids can only access their funds once they turn 18, they can control the account from the age of 16."}],"markDefs":[],"style":"normal"},{"_key":"446ba4087a87","_type":"block","children":[{"_key":"ef484d5b53ce","_type":"span","marks":[],"text":""},{"_key":"a263f7f87b2a","_type":"mainAnchor","pageAnchor":{"_ref":"eab079f5-be19-4845-ac87-677cacadb9d1","_type":"reference"}},{"_key":"739f25136834","_type":"span","marks":[],"text":"How do Junior ISAs work?"}],"markDefs":[],"style":"h2"},{"_key":"cdecde60fb6f","_type":"block","children":[{"_key":"86d21847fca90","_type":"span","marks":[],"text":"There are 2 different types of Junior ISA that you can open on behalf of your kids: the Cash JISA and the Stocks & Shares JISA. Though the tax breaks and annual allowances are pretty much the same, the way your money is stored is a bit different. Let's discuss."}],"markDefs":[],"style":"normal"},{"_key":"0180e6487336","_type":"block","children":[{"_key":"75dc774545480","_type":"span","marks":[],"text":"What is a Cash JISA?"}],"markDefs":[],"style":"h3"},{"_key":"ca2faa2ad471","_type":"block","children":[{"_key":"129181b420ca0","_type":"span","marks":[],"text":"A Cash JISA is a Junior ISA where the money in the account is held in cash, rather than invested in the stock market. As you're not buying shares in lots of different companies, this usually means there's less risk involved. But it's important to remember that cash isn't immune to inflation, so you're not completely invincible with a Cash JISA either."}],"markDefs":[],"style":"normal"},{"_key":"f3e753161d05","_type":"block","children":[{"_key":"02092e915f490","_type":"span","marks":[],"text":"It'd be hard to miss the headlines about the cost of living crisis at the moment, and with inflation soaring to levels some of us haven't seen since the '70s, cash is actually losing its purchasing power. What this means is that the same £9,000 you put into a Cash JISA this year might not be able to buy you as many things in a few years' time, as inflation has eaten away at its value."}],"markDefs":[],"style":"normal"},{"_key":"7ca681f49bf8","_type":"block","children":[{"_key":"17840cd7db01","_type":"span","marks":[],"text":"However, Cash Junior ISAs are popular with families that aren't so keen on the idea of putting money intended for the kids into the stock market, where the value of the underlying investments can yo-yo at any given time. Cash is widely considered a safer and steadier asset, so if you're not comfortable with investing on your kids' behalf then a Cash JISA is probably best for you."}],"markDefs":[],"style":"normal"},{"_key":"03d6552c5249","_type":"block","children":[{"_key":"911f667e98610","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"54d1a30eb862","_type":"block","children":[{"_key":"749f4c0ece42","_type":"span","marks":["strong"],"text":"Learn about the pros and cons of saving with cash"}],"markDefs":[],"style":"normal"}],"_key":"c693704a3c3a","_type":"ctaWidget","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. 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It's time for us to welcome you to the UK investment and pension scene's digital red carpet for our annual Best Buy Awards! The following providers have been awarded with the coveted Boring Money Best Buy JISA award for 2023."}],"markDefs":[],"style":"normal"},{"_key":"42c259baf4df","_type":"block","children":[{"_key":"57a9b72c9e1b","_type":"span","marks":[],"text":"How we choose 📝"}],"markDefs":[],"style":"h2"},{"_key":"6f2e2b70c9d5","_type":"block","children":[{"_key":"3b55dbe71d1a0","_type":"span","marks":[],"text":"These awards are compiled using over 6,000 customer reviews, our rigorous behind-the-scenes testing using our live accounts, charges for the smaller accounts we normally see in Junior ISAs, and customer service. 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Answer six short questions; it takes around two minutes, and we'll surface three tailored recommendations, each scored using a combination of our own research team's analysis and real customer reviews. The tool covers Stocks & Shares ISAs, Lifetime ISAs (LISAs), Junior ISAs (JISAs), and pensions."}],"markDefs":[],"style":"normal"},{"_key":"375c357b54ee","_type":"block","children":[{"_key":"bb49267017de","_type":"span","marks":[],"text":"The recommendations are rooted in the same methodology behind the Boring Money Best Buy Awards, which take our in-house analysts over three months to research and compile each year. We draw on over 31,000 customer reviews, detailed cost analysis across different portfolio sizes, website and app testing from live accounts, customer service testing, and the expert view of our Founder and CEO, Holly Mackay. 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Every UK adult can put up to £20,000 in per tax year, and your money stays tax-free for as long as it's invested."}],"markDefs":[{"_key":"d6b8ce0f298f","_type":"internalLinkPick","blank":true,"reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"3b99dd5a2884","_type":"block","children":[{"_key":"6e63c11c9ce0","_type":"span","marks":[],"text":"Unlike a "},{"_key":"50cfc1d9ad04","_type":"span","marks":["3f03851c4f49"],"text":"Cash ISA"},{"_key":"484972727fd3","_type":"span","marks":[],"text":", your money is exposed to market ups and downs, so it works best for people with a five-year-plus investing horizon who can ride out any rough patches. The trade-off is that historically, stock markets have significantly outperformed cash over the long term."}],"markDefs":[{"_key":"3f03851c4f49","_type":"internalLinkPick","blank":true,"reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"}}],"style":"normal"},{"_key":"b7e136ab9820","_type":"block","children":[{"_key":"e7c84e6881c2","_type":"span","marks":[],"text":"You can get started from as little as £1 a month, and withdrawals are flexible. Only around 15% of UK adults currently hold one, despite the tax benefits being substantial."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Stocks & Shares ISA"},{"_key":"40d1e6b7e1a8","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"112a4f5a3456","_type":"block","children":[{"_key":"2e3b967b548a","_type":"span","marks":["strong"],"text":"How many Stocks & Shares ISAs can I have?"}],"markDefs":[],"style":"normal"},{"_key":"cdce826d5173","_type":"block","children":[{"_key":"f9de034e4b35","_type":"span","marks":[],"text":"You can hold multiple Stocks & Shares ISAs with different providers, and since April 2024 you can now pay into more than one in the same tax year. Previously you were restricted to funding just one of each ISA type per year. Your total contributions across all ISAs still cannot exceed the £20,000 annual allowance."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How many Stocks & Shares ISAs can I have?"},{"_key":"d6557798f95aae9166dd47b671371b8e","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"0b1b81b8fced","_type":"block","children":[{"_key":"647035ac2f9b","_type":"span","marks":["strong"],"text":"Can you have a Cash ISA and a Stocks & Shares ISA?"}],"markDefs":[],"style":"normal"},{"_key":"a1239342ef07","_type":"block","children":[{"_key":"346684e6e919","_type":"span","marks":[],"text":"Yes. You can hold both a Cash ISA and a Stocks & Shares ISA at the same time, and since April 2024 you can pay into both in the same tax year. The only rule is that your combined contributions across all ISAs cannot exceed the £20,000 annual allowance. So you could, for example, put £10,000 into a Cash ISA and £10,000 into a Stocks & Shares ISA in the same year."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Can you have a Cash ISA and a Stocks & Shares ISA?"},{"_key":"0d14c9611d066edde1521f2b24f4fbcf","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"52b735920f83","_type":"block","children":[{"_key":"0b8cd50ae7ab","_type":"span","marks":["strong"],"text":"Do you pay tax on a Stocks & Shares ISA?"}],"markDefs":[],"style":"normal"},{"_key":"5d4063f23a01","_type":"block","children":[{"_key":"8f76784ceccf","_type":"span","marks":[],"text":"No. Any profits, dividends, and interest earned inside a Stocks & Shares ISA are completely tax-free. You won't pay "},{"_key":"746501e20138","_type":"span","marks":["9f0fc32f1ef8"],"text":"capital gains tax"},{"_key":"befb55e85286","_type":"span","marks":[],"text":" when you sell investments at a profit, no tax on dividends, and no tax on interest, regardless of how much you make."}],"markDefs":[{"_key":"9f0fc32f1ef8","_type":"internalLinkPick","blank":true,"reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}}],"style":"normal"},{"_key":"42a92b9747cd","_type":"block","children":[{"_key":"5d3d96b2cff0","_type":"span","marks":[],"text":"Outside an ISA, all three of these would potentially be taxable once you exceed your annual allowances. The ISA wrapper removes that complexity entirely."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Do you pay tax on a Stocks & Shares ISA?"},{"_key":"b1bc9de0103deda66aec2c9caf976c48","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"52aed0165a57","_type":"block","children":[{"_key":"9019a4836efa","_type":"span","marks":["strong"],"text":"What is a Junior ISA (JISA)?"}],"markDefs":[],"style":"normal"},{"_key":"ddafdb407a60","_type":"block","children":[{"_key":"591f8d3bb88a","_type":"span","marks":[],"text":"A Junior ISA is a tax-free savings or investment account for children under 18. Parents or guardians can open one on a child's behalf and anyone can contribute, up to £9,000 per tax year. The money is locked away until the child turns 18, at which point it automatically becomes an adult ISA in their name."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Junior ISA (JISA)?"},{"_key":"0e5b360c1ca13ed038e25611bbb8c547","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"8ae67a45fc6b","_type":"block","children":[{"_key":"448c61fc6b6e","_type":"span","marks":["strong"],"text":"What is a Lifetime ISA (LISA)?"}],"markDefs":[],"style":"normal"},{"_key":"4b58fdf762ee","_type":"block","children":[{"_key":"33eb5833fabe","_type":"span","marks":[],"text":"A Lifetime ISA is a government-backed account for adults aged 18–39, designed to help you save either for your first home or for retirement. You can save up to £4,000 per year, and the government adds a 25% bonus on top, up to £1,000 a year. The money can only be withdrawn penalty-free to buy a first home (worth up to £450,000) or from age 60 onwards."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Lifetime ISA (LISA)?"},{"_key":"066fe5a181e6","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"dc69d0ef7358","_type":"block","children":[{"_key":"b6f041a39e65","_type":"span","marks":["strong"],"text":"We'd love your"},{"_key":"f06400292134","_type":"span","marks":["5bd06b1e27d1","strong"],"text":" feedback"},{"_key":"d4c3363c2ebb","_type":"span","marks":["strong"],"text":"."}],"markDefs":[{"_key":"5bd06b1e27d1","_type":"internalLinkPick","blank":true,"reference":{"_ref":"789ad7dd-f1a8-4606-9075-20ecba5e0f6b","_type":"reference"}}],"style":"normal"}],"linkText":"Contact us","reference":{"_ref":"789ad7dd-f1a8-4606-9075-20ecba5e0f6b","_type":"reference"},"styles":"White"}],"excerpt":[{"_key":"c698ae2f78c6","_type":"block","children":[{"_key":"0977565871d8","_type":"span","marks":[],"text":"Answer 6 quick questions and find the best Stocks & Shares ISA, pension, LISA, or JISA for your needs. Independent, unbiased, and free from Boring Money."}],"markDefs":[],"style":"normal"}],"publishedAt":"2026-04-27T08:52:38.353Z","slug":{"_type":"slug","current":"isa-pension-finder"},"subfolder":{"_ref":"296cd157-5755-403a-80a5-cc8dafb6dc99","_type":"reference"},"title":"ISA & Pension Finder | Find the Best Investment Platform for You | Boring Money","id":"-f2831a00-2ebb-5d7c-9880-dc5cf5bcb7f5","children":[],"parent":null},"text":"FIND MY JISA"},{"_key":"1abf596bca2c","_type":"block","children":[{"_key":"481c51a5b399","_type":"span","marks":[],"text":""},{"_key":"1c870b39dcb1","_type":"mainAnchor","pageAnchor":{"_ref":"07bfc5ad-abe6-47eb-883d-b92e13a9e689","_type":"reference"}},{"_key":"d850e9f3930e","_type":"span","marks":[],"text":"What happens to a Junior ISA when my child turns 18?"}],"markDefs":[],"style":"h2"},{"_key":"dab204cef3ed","_type":"block","children":[{"_key":"a9bd0d034f18","_type":"span","marks":[],"text":"JISAs can be a great way to give the rugrats a dollop of cash for a house deposit, a car, or to fund their education. However, you need to be aware that you can’t control what they do with it. All the money you put in is locked away until your child’s 18th birthday. At that point, it becomes "},{"_key":"cdbc9fe66a55","_type":"span","marks":["em"],"text":"their "},{"_key":"2cd52c238620","_type":"span","marks":[],"text":"money and they are free to do whatever they like with it. Plus, from the age of 16, your kids can actually "},{"_key":"1122eada3f19","_type":"span","marks":["em"],"text":"control "},{"_key":"a7de115dc70a","_type":"span","marks":[],"text":"their own Junior ISAs - meaning they reserve the right to go in and change the underlying investments in it, if they so wished."}],"markDefs":[],"style":"normal"},{"_key":"4a3f5d7251d5","_type":"block","children":[{"_key":"a427561d5bca","_type":"span","marks":[],"text":"If you’ve got a responsible one, you might be lucky and they’ll leave it be and use it for their university fees. If you haven’t, maybe don’t tell them it’s there and then surprise them with it on their 18th birthday - when their Junior ISA will roll over into a normal adult ISA. Alternatively, use their JISA to teach them about money - saving, compound interest and the like - and it can be a powerful tool to encourage healthy money habits in your little ones."}],"markDefs":[],"style":"normal"},{"_key":"461db056f148","_type":"block","children":[{"_key":"71551d1eeb95","_type":"span","marks":[],"text":"Hargreaves Lansdown is the biggest provider of Stocks & Shares JISAs in the UK, and their data suggests our kids are pretty sensible – 97% of their JISAs transfer to adult ISAs and see no withdrawals in the first 12 months. And almost a third pay in more after that. When did kids get so sensible?"}],"markDefs":[],"style":"normal"},{"_key":"41e6bc709f7d","_type":"block","children":[{"_key":"d9f6c42fd84a","_type":"span","marks":[],"text":""},{"_key":"b428dfc715b1","_type":"mainAnchor","pageAnchor":{"_ref":"206409d7-e9cf-4762-8284-e30909591660","_type":"reference"}},{"_key":"13194d9c67c8","_type":"span","marks":[],"text":"Can I move a Child Trust Fund to a Junior ISA?"}],"markDefs":[],"style":"h2"},{"_key":"273cf2e41e64","_type":"block","children":[{"_key":"a5ce4a41e1f8","_type":"span","marks":[],"text":"Child Trust Funds (CTFs) are a type of saving account that were previously available for kids born between 1 September 2002 and 2 January 2011. Parents could use them to deposit free cash vouchers of up to £250 (or up to £500 if they were on a low income) that used to be handed out twice to each child by the government. But as they're now defunct, the question is... should you move it to the new kid on the block, the Junior ISA?"}],"markDefs":[],"style":"normal"},{"_key":"3a5ab587db7d","_type":"block","children":[{"_key":"410d4c1d9a1b0","_type":"span","marks":[],"text":"There’s no way to say this nicely: this is a bugger’s muddle. Many providers will not accept a transfer of Child Trust Funds into Junior ISAs. You can sometimes move from a Child Trust Fund to a Junior ISA with your original provider, though this can - and often will - incur fees. However, it's a bit trickier if you want to switch to another provider entirely, and you'll likely have to switch to a JISA with your original provider "},{"_key":"49d8f0247e84","_type":"span","marks":["em"],"text":"first "},{"_key":"51759eedf235","_type":"span","marks":[],"text":"before changing to the next one. AJ Bell and Hargreaves Lansdown are quite good on the admin here so it may be worth giving them a call to check if they could support a CTF transfer into a JISA with them."}],"markDefs":[],"style":"normal"},{"_key":"feacdee7429a","_type":"block","children":[{"_key":"5d9db38a7263","_type":"span","marks":[],"text":"Before moving, do contact your current provider and ask them about all exit fees. That’s the first step. And, if you've lost track of where your child’s Trust Fund is, you can search on the government’s website "},{"_key":"9384583b2e1f","_type":"span","marks":["59b589b09b70"],"text":"here"},{"_key":"ec070b1819f8","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"59b589b09b70","_type":"internalLinkPick","blank":true,"reference":{"_ref":"7e8157ea-41d8-48d1-8fde-a9e36c86f742","_type":"reference"}}],"style":"normal"},{"_key":"0cbdfb0798d4","_type":"block","children":[{"_key":"4cf7ad0cc817","_type":"span","marks":[],"text":""},{"_key":"63025aad9dc3","_type":"mainAnchor","pageAnchor":{"_ref":"41038ee2-7007-49ba-aa0e-1cc728b06686","_type":"reference"}},{"_key":"1a7aee92cd040","_type":"span","marks":[],"text":"Find the right Junior ISA provider"}],"markDefs":[],"style":"h2"},{"_key":"2e46ae7db05f","_type":"block","children":[{"_key":"ecc1b0f97b920","_type":"span","marks":[],"text":"Looking to open a Junior ISA for your kids? Not sure who to turn to? That's precisely where we come in. Head on over to our JISA compare tables to see which providers get our - and our readers' - seal of approval, on everything from fees to customer service. Click the link below to dig in!"}],"markDefs":[],"style":"normal"},{"_key":"df399255444f","_type":"block","children":[{"_key":"3f066d6331fe0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"51f96e86d6b1","_type":"block","children":[{"_key":"581c8a951ac1","_type":"span","marks":["strong"],"text":"Find the right JISA for you"}],"markDefs":[],"style":"normal"}],"_key":"8f943283cf7d","_type":"ctaWidget","reference":{"_id":"aeed79f1-9b6d-4414-a729-8c537ad53fef","_type":"landingPage","_rev":"hmaCzZP5ttuxvyMMgwYJ3A","_createdAt":"2021-10-18T12:00:28Z","_updatedAt":"2026-03-06T15:18:37Z","MainImage":{"_type":"mainImage","asset":{"_ref":"image-5385fb7fa063d41364a98c0ff9a526985c3cb5a9-1280x300-png","_type":"reference"}},"_system":{"base":{"id":"aeed79f1-9b6d-4414-a729-8c537ad53fef","rev":"bmm5cLAz9YS08RmuAJkAhR"}},"brazeCustomAttributes":[{"_key":"651a0b028223","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_COMPARE_TABLE","customAttributeValue":"https://www.boringmoney.co.uk/jisas/jisas/"}],"brazeSubscriptionRef":null,"content":[{"_key":"cb777f3c7d41","_type":"headerBlock","alignment":"Center","desktopImage":{"_type":"mainImage","alt":"jisa","asset":{"_ref":"image-49417a85304695fac940ee6758d4aac30aca4120-1920x300-png","_type":"reference"}},"mobileImage":{"_type":"mainImage","alt":"jisa","asset":{"_ref":"image-b46e8c540827b9410a01f9c07e4feb57bd539d85-600x250-png","_type":"reference"}},"reference":{"_ref":"aeed79f1-9b6d-4414-a729-8c537ad53fef","_type":"reference"},"tabletImage":{"_type":"mainImage","alt":"jisa","asset":{"_ref":"image-5385fb7fa063d41364a98c0ff9a526985c3cb5a9-1280x300-png","_type":"reference"}},"title":"JISAs"},{"_key":"7de6c3567f6c","_type":"bestBuysTable","calculatorAssumptionsModel":{"_ref":"e2bf961c-ddb5-4cab-a3a3-628f1676a84e","_type":"reference"},"costInBBTable":true,"defaultLayout":"3x3 - Would recommend","defaultSortOption":"OurRatingHL","showAdvancedFilters":true,"sortOptions":["OurRatingHL","OurRatingLH","CostHL","CostLH","MostRecommended"],"title":"JISA"},{"_key":"e13547d1a642","_type":"bigBlockGroup","bigBlockItems":[{"_key":"09f48f63f7cc","_type":"bigBlockItem","introPara":[{"_key":"f661edbb65f4","_type":"block","children":[{"_key":"6307c9446360","_type":"span","marks":[],"text":"A 'robo' adviser offers up ready-made portfolios and so costs include both admin and investment charges. 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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":"c2b4202f5c77","_type":"span","marks":["a316536a10ec"],"text":"here"},{"_key":"3e1cfef62f82","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"a316536a10ec","_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}],"emailSignupWidgetButtonText":"COMPARE NOW","emailSignupWidgetParagraphText":"Enter your email to see which Junior ISA provider suits your needs","emailSignupWidgetTitle":"COMPARE JUNIOR ISA PROVIDERS","enableGatedContent":true,"excerpt":[{"_key":"e3e8bb069214","_type":"block","children":[{"_key":"5b5140a32e58","_type":"span","marks":[],"text":"Give your child a head start. 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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. 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Every UK adult can put up to £20,000 in per tax year, and your money stays tax-free for as long as it's invested."}],"markDefs":[{"_key":"d6b8ce0f298f","_type":"internalLinkPick","blank":true,"reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"3b99dd5a2884","_type":"block","children":[{"_key":"6e63c11c9ce0","_type":"span","marks":[],"text":"Unlike a "},{"_key":"50cfc1d9ad04","_type":"span","marks":["3f03851c4f49"],"text":"Cash ISA"},{"_key":"484972727fd3","_type":"span","marks":[],"text":", your money is exposed to market ups and downs, so it works best for people with a five-year-plus investing horizon who can ride out any rough patches. The trade-off is that historically, stock markets have significantly outperformed cash over the long term."}],"markDefs":[{"_key":"3f03851c4f49","_type":"internalLinkPick","blank":true,"reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"}}],"style":"normal"},{"_key":"b7e136ab9820","_type":"block","children":[{"_key":"e7c84e6881c2","_type":"span","marks":[],"text":"You can get started from as little as £1 a month, and withdrawals are flexible. Only around 15% of UK adults currently hold one, despite the tax benefits being substantial."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Stocks & Shares ISA"},{"_key":"40d1e6b7e1a8","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"112a4f5a3456","_type":"block","children":[{"_key":"2e3b967b548a","_type":"span","marks":["strong"],"text":"How many Stocks & Shares ISAs can I have?"}],"markDefs":[],"style":"normal"},{"_key":"cdce826d5173","_type":"block","children":[{"_key":"f9de034e4b35","_type":"span","marks":[],"text":"You can hold multiple Stocks & Shares ISAs with different providers, and since April 2024 you can now pay into more than one in the same tax year. Previously you were restricted to funding just one of each ISA type per year. Your total contributions across all ISAs still cannot exceed the £20,000 annual allowance."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How many Stocks & Shares ISAs can I have?"},{"_key":"d6557798f95aae9166dd47b671371b8e","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"0b1b81b8fced","_type":"block","children":[{"_key":"647035ac2f9b","_type":"span","marks":["strong"],"text":"Can you have a Cash ISA and a Stocks & Shares ISA?"}],"markDefs":[],"style":"normal"},{"_key":"a1239342ef07","_type":"block","children":[{"_key":"346684e6e919","_type":"span","marks":[],"text":"Yes. You can hold both a Cash ISA and a Stocks & Shares ISA at the same time, and since April 2024 you can pay into both in the same tax year. The only rule is that your combined contributions across all ISAs cannot exceed the £20,000 annual allowance. So you could, for example, put £10,000 into a Cash ISA and £10,000 into a Stocks & Shares ISA in the same year."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Can you have a Cash ISA and a Stocks & Shares ISA?"},{"_key":"0d14c9611d066edde1521f2b24f4fbcf","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"52b735920f83","_type":"block","children":[{"_key":"0b8cd50ae7ab","_type":"span","marks":["strong"],"text":"Do you pay tax on a Stocks & Shares ISA?"}],"markDefs":[],"style":"normal"},{"_key":"5d4063f23a01","_type":"block","children":[{"_key":"8f76784ceccf","_type":"span","marks":[],"text":"No. Any profits, dividends, and interest earned inside a Stocks & Shares ISA are completely tax-free. You won't pay "},{"_key":"746501e20138","_type":"span","marks":["9f0fc32f1ef8"],"text":"capital gains tax"},{"_key":"befb55e85286","_type":"span","marks":[],"text":" when you sell investments at a profit, no tax on dividends, and no tax on interest, regardless of how much you make."}],"markDefs":[{"_key":"9f0fc32f1ef8","_type":"internalLinkPick","blank":true,"reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}}],"style":"normal"},{"_key":"42a92b9747cd","_type":"block","children":[{"_key":"5d3d96b2cff0","_type":"span","marks":[],"text":"Outside an ISA, all three of these would potentially be taxable once you exceed your annual allowances. 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The money is locked away until the child turns 18, at which point it automatically becomes an adult ISA in their name."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Junior ISA (JISA)?"},{"_key":"0e5b360c1ca13ed038e25611bbb8c547","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"8ae67a45fc6b","_type":"block","children":[{"_key":"448c61fc6b6e","_type":"span","marks":["strong"],"text":"What is a Lifetime ISA (LISA)?"}],"markDefs":[],"style":"normal"},{"_key":"4b58fdf762ee","_type":"block","children":[{"_key":"33eb5833fabe","_type":"span","marks":[],"text":"A Lifetime ISA is a government-backed account for adults aged 18–39, designed to help you save either for your first home or for retirement. You can save up to £4,000 per year, and the government adds a 25% bonus on top, up to £1,000 a year. 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Answer six short questions; it takes around two minutes, and we'll surface three tailored recommendations, each scored using a combination of our own research team's analysis and real customer reviews. The tool covers Stocks & Shares ISAs, Lifetime ISAs (LISAs), Junior ISAs (JISAs), and pensions."}],"markDefs":[],"style":"normal"},{"_key":"375c357b54ee","_type":"block","children":[{"_key":"bb49267017de","_type":"span","marks":[],"text":"The recommendations are rooted in the same methodology behind the Boring Money Best Buy Awards, which take our in-house analysts over three months to research and compile each year. We draw on over 31,000 customer reviews, detailed cost analysis across different portfolio sizes, website and app testing from live accounts, customer service testing, and the expert view of our Founder and CEO, Holly Mackay. 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Every UK adult can put up to £20,000 in per tax year, and your money stays tax-free for as long as it's invested."}],"markDefs":[{"_key":"d6b8ce0f298f","_type":"internalLinkPick","blank":true,"reference":{"_id":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"information","_rev":"Hj76D8TA9yGzj4qHLrE5nS","_createdAt":"2021-06-22T07:54:58Z","_updatedAt":"2026-06-19T12:57:31Z","_system":{"base":{"id":"4506578b-e50c-4553-8a44-48ae9d21285e","rev":"WC4PqLTWTwkK8da2OzMR1e"}},"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. 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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":"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"},{"LeftSideText":[{"_key":"29e5815ac3a7","_type":"block","children":[{"_key":"706f02f0f1f2","_type":"span","marks":[],"text":"FREE TOOL: Not sure which ISA or pension is right for you?"}],"markDefs":[],"style":"h4"},{"_key":"413101212e38","_type":"block","children":[{"_key":"689ff7bc39ee","_type":"span","marks":[],"text":"Answer 6 questions. Get 3 tailored recommendations. Independent, unbiased, free."}],"markDefs":[],"style":"normal"}],"_key":"8c91ab282a38","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"reference":{"_ref":"249771c5-00b0-4103-9775-fe8bb8339397","_type":"reference"},"text":"FIND MY ISA"},{"_key":"50f10f0f6a8a","_type":"block","children":[{"_key":"0876d3b43bc1","_type":"span","marks":[],"text":""}],"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-5ed7e4bf99e8196fa217894330eaef10e1131ccc-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","text":[{"_key":"f41512cd32a0","_type":"block","children":[{"_key":"2c6df9dcfbed","_type":"span","marks":[],"text":"Ready to open a Stocks & Shares ISA? "},{"_key":"53224b100cf8","_type":"span","marks":["8adc85d93860"],"text":"IG"},{"_key":"bcc74a0e71c1","_type":"span","marks":[],"text":" is one of the most trusted names in investing — FTSE 100-listed with over 50 years of market experience and 2 million+ clients worldwide."}],"markDefs":[{"_key":"8adc85d93860","_type":"internalLinkPick","blank":true,"reference":{"_ref":"3b87ca08-ad76-4bb8-8dfc-9af657bdf65b","_type":"reference"}}],"style":"normal"},{"_key":"d1673ebd6b5a","_type":"block","children":[{"_key":"5ad550463c3e","_type":"span","marks":[],"text":"With an "},{"_key":"c9fcb23cc659","_type":"span","marks":["0cd2f6ebfdf1"],"text":"IG Stocks & Shares ISA"},{"_key":"61d683b50b16","_type":"span","marks":[],"text":", you get access to 17,000+ global markets — one of the largest offerings available — so whether you're just starting out or building a diversified portfolio, you'll never be short of options."}],"markDefs":[{"_key":"0cd2f6ebfdf1","_type":"internalLinkPick","blank":true,"reference":{"_ref":"3b87ca08-ad76-4bb8-8dfc-9af657bdf65b","_type":"reference"}}],"style":"normal"},{"_key":"2751a85de2bd","_type":"block","children":[{"_key":"e7cabc737e77","_type":"span","marks":[],"text":"New to IG? Get "},{"_key":"331d19f4e6ea","_type":"span","marks":["strong"],"text":"5% AER"},{"_key":"190246e9e4ad","_type":"span","marks":[],"text":" on your uninvested ISA cash while you decide where to invest (T&Cs apply)."}],"markDefs":[],"style":"normal"},{"_key":"b14f7c38c9d3","_type":"block","children":[{"_key":"2f5d0506d7c6","_type":"span","marks":[],"text":"When you're ready to dive deeper, IG has you covered with "},{"_key":"aef5879f8e76","_type":"span","marks":["strong"],"text":"industry-leading education"},{"_key":"78189b3c8827","_type":"span","marks":[],"text":" through IG Academy, plus"},{"_key":"4aa70fb0f3a0","_type":"span","marks":["strong"],"text":" advanced charting tools"},{"_key":"9284372ac7ba","_type":"span","marks":[],"text":" via ProRealTime and TradingView for when you want to take a more hands-on approach."}],"markDefs":[],"style":"normal"},{"_key":"212b1976d129","_type":"block","children":[{"_key":"65dd11b69550","_type":"span","marks":["299a017cc91f"],"text":"Invest in shares, ETFs, and funds"},{"_key":"e1bc555c21c0","_type":"span","marks":[],"text":" — all tax-free within your annual £20,000 ISA allowance."}],"markDefs":[{"_key":"299a017cc91f","_type":"internalLinkPick","blank":true,"reference":{"_ref":"3b87ca08-ad76-4bb8-8dfc-9af657bdf65b","_type":"reference"}}],"style":"normal"},{"_key":"f671aeabc348","_type":"block","children":[{"_key":"151a6be4871d","_type":"span","marks":["strong"],"text":"Capital at risk. Tax treatment depends on individual circumstances and may be subject to change."}],"markDefs":[],"style":"normal"}],"title":"Sponsored Message by IG"},{"_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":"OPEN AN IG ISA"}],"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":"3b87ca08-ad76-4bb8-8dfc-9af657bdf65b","_type":"reference"},"text":"GO TO IG"},{"_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. 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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. 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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. 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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-1f9c45dd53b87f2298274feddc313dd38772ebf3-1920x1080-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":"3b99dd5a2884","_type":"block","children":[{"_key":"6e63c11c9ce0","_type":"span","marks":[],"text":"Unlike a "},{"_key":"50cfc1d9ad04","_type":"span","marks":["3f03851c4f49"],"text":"Cash ISA"},{"_key":"484972727fd3","_type":"span","marks":[],"text":", your money is exposed to market ups and downs, so it works best for people with a five-year-plus investing horizon who can ride out any rough patches. The trade-off is that historically, stock markets have significantly outperformed cash over the long term."}],"markDefs":[{"_key":"3f03851c4f49","_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. 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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}}],"style":"normal"},{"_key":"b7e136ab9820","_type":"block","children":[{"_key":"e7c84e6881c2","_type":"span","marks":[],"text":"You can get started from as little as £1 a month, and withdrawals are flexible. Only around 15% of UK adults currently hold one, despite the tax benefits being substantial."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Stocks & Shares ISA"},{"_key":"40d1e6b7e1a8","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"112a4f5a3456","_type":"block","children":[{"_key":"2e3b967b548a","_type":"span","marks":["strong"],"text":"How many Stocks & Shares ISAs can I have?"}],"markDefs":[],"style":"normal"},{"_key":"cdce826d5173","_type":"block","children":[{"_key":"f9de034e4b35","_type":"span","marks":[],"text":"You can hold multiple Stocks & Shares ISAs with different providers, and since April 2024 you can now pay into more than one in the same tax year. Previously you were restricted to funding just one of each ISA type per year. Your total contributions across all ISAs still cannot exceed the £20,000 annual allowance."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How many Stocks & Shares ISAs can I have?"},{"_key":"d6557798f95aae9166dd47b671371b8e","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"0b1b81b8fced","_type":"block","children":[{"_key":"647035ac2f9b","_type":"span","marks":["strong"],"text":"Can you have a Cash ISA and a Stocks & Shares ISA?"}],"markDefs":[],"style":"normal"},{"_key":"a1239342ef07","_type":"block","children":[{"_key":"346684e6e919","_type":"span","marks":[],"text":"Yes. You can hold both a Cash ISA and a Stocks & Shares ISA at the same time, and since April 2024 you can pay into both in the same tax year. The only rule is that your combined contributions across all ISAs cannot exceed the £20,000 annual allowance. So you could, for example, put £10,000 into a Cash ISA and £10,000 into a Stocks & Shares ISA in the same year."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Can you have a Cash ISA and a Stocks & Shares ISA?"},{"_key":"0d14c9611d066edde1521f2b24f4fbcf","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"52b735920f83","_type":"block","children":[{"_key":"0b8cd50ae7ab","_type":"span","marks":["strong"],"text":"Do you pay tax on a Stocks & Shares ISA?"}],"markDefs":[],"style":"normal"},{"_key":"5d4063f23a01","_type":"block","children":[{"_key":"8f76784ceccf","_type":"span","marks":[],"text":"No. Any profits, dividends, and interest earned inside a Stocks & Shares ISA are completely tax-free. 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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":"eed90dd55211","_type":"block","children":[{"_key":"eeefd842441d","_type":"span","marks":[],"text":"What happens to Capital Gains Tax when someone dies?"}],"markDefs":[],"style":"h2"},{"_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 on to 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":""}],"markDefs":[],"style":"h3"},{"_key":"17cbc0f70cdc","_type":"block","children":[{"_key":"16586f92248b","_type":"span","marks":["em"],"text":""}],"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":false,"excerpt":[{"_key":"d57fb56f92ca","_type":"block","children":[{"_key":"56c81c724226","_type":"span","marks":[],"text":"Capital Gains Tax (CGT) is paid on profits when you sell shares, property or other assets. The tax-free allowance is £3,000 in 2025–26. Rates are 18% or 24% depending on your tax band."}],"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. 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The ISA wrapper removes that complexity entirely."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Do you pay tax on a Stocks & Shares ISA?"},{"_key":"b1bc9de0103deda66aec2c9caf976c48","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"52aed0165a57","_type":"block","children":[{"_key":"9019a4836efa","_type":"span","marks":["strong"],"text":"What is a Junior ISA (JISA)?"}],"markDefs":[],"style":"normal"},{"_key":"ddafdb407a60","_type":"block","children":[{"_key":"591f8d3bb88a","_type":"span","marks":[],"text":"A Junior ISA is a tax-free savings or investment account for children under 18. Parents or guardians can open one on a child's behalf and anyone can contribute, up to £9,000 per tax year. The money is locked away until the child turns 18, at which point it automatically becomes an adult ISA in their name."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Junior ISA (JISA)?"},{"_key":"0e5b360c1ca13ed038e25611bbb8c547","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"8ae67a45fc6b","_type":"block","children":[{"_key":"448c61fc6b6e","_type":"span","marks":["strong"],"text":"What is a Lifetime ISA (LISA)?"}],"markDefs":[],"style":"normal"},{"_key":"4b58fdf762ee","_type":"block","children":[{"_key":"33eb5833fabe","_type":"span","marks":[],"text":"A Lifetime ISA is a government-backed account for adults aged 18–39, designed to help you save either for your first home or for retirement. You can save up to £4,000 per year, and the government adds a 25% bonus on top, up to £1,000 a year. 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Independent, unbiased, and free from Boring Money."}],"markDefs":[],"style":"normal"}],"publishedAt":"2026-04-27T08:52:38.353Z","slug":{"_type":"slug","current":"isa-pension-finder"},"subfolder":{"_id":"296cd157-5755-403a-80a5-cc8dafb6dc99","_type":"folderCategory","_rev":"FW1NJKvivUBn8c48tVwRjs","_createdAt":"2023-03-21T13:53:17Z","_updatedAt":"2023-06-21T14:32:13Z","description":"For comparing providers and platforms.","folder":"/compare/","id":"-3cc18bd4-d047-5447-8e4a-e0773446c736","children":[],"parent":null},"title":"ISA & Pension Finder | Find the Best Investment Platform for You | Boring Money","id":"-f2831a00-2ebb-5d7c-9880-dc5cf5bcb7f5","children":[],"parent":null},"text":"FIND MY JISA"},{"_key":"1abf596bca2c","_type":"block","children":[{"_key":"481c51a5b399","_type":"span","marks":[],"text":""},{"_key":"1c870b39dcb1","_type":"mainAnchor","pageAnchor":{"_id":"07bfc5ad-abe6-47eb-883d-b92e13a9e689","_type":"anchorCategory","_rev":"PZq3D7oQCo96ts7zqp0Qwm","_createdAt":"2023-02-03T15:54:55Z","_updatedAt":"2023-02-03T15:54:55Z","AnchorName":"whathappenstoajuniorisawhenmychildturns18","id":"-abfa8d5a-c3ef-5e67-991f-69805aa4d676","children":[],"parent":null}},{"_key":"d850e9f3930e","_type":"span","marks":[],"text":"What happens to a Junior ISA when my child turns 18?"}],"markDefs":[],"style":"h2"},{"_key":"dab204cef3ed","_type":"block","children":[{"_key":"a9bd0d034f18","_type":"span","marks":[],"text":"JISAs can be a great way to give the rugrats a dollop of cash for a house deposit, a car, or to fund their education. However, you need to be aware that you can’t control what they do with it. All the money you put in is locked away until your child’s 18th birthday. At that point, it becomes "},{"_key":"cdbc9fe66a55","_type":"span","marks":["em"],"text":"their "},{"_key":"2cd52c238620","_type":"span","marks":[],"text":"money and they are free to do whatever they like with it. Plus, from the age of 16, your kids can actually "},{"_key":"1122eada3f19","_type":"span","marks":["em"],"text":"control "},{"_key":"a7de115dc70a","_type":"span","marks":[],"text":"their own Junior ISAs - meaning they reserve the right to go in and change the underlying investments in it, if they so wished."}],"markDefs":[],"style":"normal"},{"_key":"4a3f5d7251d5","_type":"block","children":[{"_key":"a427561d5bca","_type":"span","marks":[],"text":"If you’ve got a responsible one, you might be lucky and they’ll leave it be and use it for their university fees. If you haven’t, maybe don’t tell them it’s there and then surprise them with it on their 18th birthday - when their Junior ISA will roll over into a normal adult ISA. Alternatively, use their JISA to teach them about money - saving, compound interest and the like - and it can be a powerful tool to encourage healthy money habits in your little ones."}],"markDefs":[],"style":"normal"},{"_key":"461db056f148","_type":"block","children":[{"_key":"71551d1eeb95","_type":"span","marks":[],"text":"Hargreaves Lansdown is the biggest provider of Stocks & Shares JISAs in the UK, and their data suggests our kids are pretty sensible – 97% of their JISAs transfer to adult ISAs and see no withdrawals in the first 12 months. And almost a third pay in more after that. When did kids get so sensible?"}],"markDefs":[],"style":"normal"},{"_key":"41e6bc709f7d","_type":"block","children":[{"_key":"d9f6c42fd84a","_type":"span","marks":[],"text":""},{"_key":"b428dfc715b1","_type":"mainAnchor","pageAnchor":{"_id":"206409d7-e9cf-4762-8284-e30909591660","_type":"anchorCategory","_rev":"xjLKnlFrh2WM7l3TdaI5jb","_createdAt":"2023-02-03T15:55:15Z","_updatedAt":"2023-02-03T15:55:15Z","AnchorName":"canimoveachildtrustfundtoajuniorisa","id":"-ef30eb7c-ae84-58bb-a147-96f106600264","children":[],"parent":null}},{"_key":"13194d9c67c8","_type":"span","marks":[],"text":"Can I move a Child Trust Fund to a Junior ISA?"}],"markDefs":[],"style":"h2"},{"_key":"273cf2e41e64","_type":"block","children":[{"_key":"a5ce4a41e1f8","_type":"span","marks":[],"text":"Child Trust Funds (CTFs) are a type of saving account that were previously available for kids born between 1 September 2002 and 2 January 2011. Parents could use them to deposit free cash vouchers of up to £250 (or up to £500 if they were on a low income) that used to be handed out twice to each child by the government. But as they're now defunct, the question is... should you move it to the new kid on the block, the Junior ISA?"}],"markDefs":[],"style":"normal"},{"_key":"3a5ab587db7d","_type":"block","children":[{"_key":"410d4c1d9a1b0","_type":"span","marks":[],"text":"There’s no way to say this nicely: this is a bugger’s muddle. Many providers will not accept a transfer of Child Trust Funds into Junior ISAs. You can sometimes move from a Child Trust Fund to a Junior ISA with your original provider, though this can - and often will - incur fees. However, it's a bit trickier if you want to switch to another provider entirely, and you'll likely have to switch to a JISA with your original provider "},{"_key":"49d8f0247e84","_type":"span","marks":["em"],"text":"first "},{"_key":"51759eedf235","_type":"span","marks":[],"text":"before changing to the next one. AJ Bell and Hargreaves Lansdown are quite good on the admin here so it may be worth giving them a call to check if they could support a CTF transfer into a JISA with them."}],"markDefs":[],"style":"normal"},{"_key":"feacdee7429a","_type":"block","children":[{"_key":"5d9db38a7263","_type":"span","marks":[],"text":"Before moving, do contact your current provider and ask them about all exit fees. That’s the first step. And, if you've lost track of where your child’s Trust Fund is, you can search on the government’s website "},{"_key":"9384583b2e1f","_type":"span","marks":["59b589b09b70"],"text":"here"},{"_key":"ec070b1819f8","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"59b589b09b70","_type":"internalLinkPick","blank":true,"reference":{"_id":"7e8157ea-41d8-48d1-8fde-a9e36c86f742","_type":"linkCategory","_rev":"wvJta9ElXUYLPkPUBsOdCg","_createdAt":"2023-02-03T15:46:42Z","_updatedAt":"2023-02-03T15:46:42Z","description":"Junior ISA Guide.","url":"https://www.gov.uk/child-trust-funds/find-a-child-trust-fund","id":"-bcb1a2f4-e170-56e1-990e-b4aac1fbc4d1","children":[],"parent":null}}],"style":"normal"},{"_key":"0cbdfb0798d4","_type":"block","children":[{"_key":"4cf7ad0cc817","_type":"span","marks":[],"text":""},{"_key":"63025aad9dc3","_type":"mainAnchor","pageAnchor":{"_id":"41038ee2-7007-49ba-aa0e-1cc728b06686","_type":"anchorCategory","_rev":"wvJta9ElXUYLPkPUBsUp0I","_createdAt":"2023-02-03T15:55:34Z","_updatedAt":"2023-02-03T15:55:34Z","AnchorName":"findtherightjuniorisaprovider","id":"-3e37b300-87d8-59ce-a9c7-8f4c8ac8789e","children":[],"parent":null}},{"_key":"1a7aee92cd040","_type":"span","marks":[],"text":"Find the right Junior ISA provider"}],"markDefs":[],"style":"h2"},{"_key":"2e46ae7db05f","_type":"block","children":[{"_key":"ecc1b0f97b920","_type":"span","marks":[],"text":"Looking to open a Junior ISA for your kids? 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"}],"markDefs":[],"style":"normal"},{"_key":"771ab82c3a5f","_type":"block","children":[{"_key":"16010b9c9f80","_type":"span","marks":[],"text":"You can open a Junior ISA for each of your children under the age of 18 and can put in up to £9,000 every single year without paying a penny of tax. They come in Cash and Stocks & Shares varieties so you can choose which type suits your (and your kids') needs best. Plus, anyone can pay into a JISA until your child’s 18th birthday, at which point your little one (or not-so-little one anymore!) gets their hands on the money. "}],"markDefs":[],"style":"normal"},{"_key":"1975a1680773","_type":"block","children":[{"_key":"69e8131fb564","_type":"span","marks":[],"text":"Note though that you can't open a JISA if you already have a Child Trust Fund, and though your kids can only access their funds once they turn 18, they can control the account from the age of 16."}],"markDefs":[],"style":"normal"},{"_key":"446ba4087a87","_type":"block","children":[{"_key":"ef484d5b53ce","_type":"span","marks":[],"text":""},{"_key":"a263f7f87b2a","_type":"mainAnchor","pageAnchor":{"_ref":"eab079f5-be19-4845-ac87-677cacadb9d1","_type":"reference"}},{"_key":"739f25136834","_type":"span","marks":[],"text":"How do Junior ISAs work?"}],"markDefs":[],"style":"h2"},{"_key":"cdecde60fb6f","_type":"block","children":[{"_key":"86d21847fca90","_type":"span","marks":[],"text":"There are 2 different types of Junior ISA that you can open on behalf of your kids: the Cash JISA and the Stocks & Shares JISA. 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But it's important to remember that cash isn't immune to inflation, so you're not completely invincible with a Cash JISA either."}],"markDefs":[],"style":"normal"},{"_key":"f3e753161d05","_type":"block","children":[{"_key":"02092e915f490","_type":"span","marks":[],"text":"It'd be hard to miss the headlines about the cost of living crisis at the moment, and with inflation soaring to levels some of us haven't seen since the '70s, cash is actually losing its purchasing power. What this means is that the same £9,000 you put into a Cash JISA this year might not be able to buy you as many things in a few years' time, as inflation has eaten away at its value."}],"markDefs":[],"style":"normal"},{"_key":"7ca681f49bf8","_type":"block","children":[{"_key":"17840cd7db01","_type":"span","marks":[],"text":"However, Cash Junior ISAs are popular with families that aren't so keen on the idea of putting money intended for the kids into the stock market, where the value of the underlying investments can yo-yo at any given time. Cash is widely considered a safer and steadier asset, so if you're not comfortable with investing on your kids' behalf then a Cash JISA is probably best for you."}],"markDefs":[],"style":"normal"},{"_key":"03d6552c5249","_type":"block","children":[{"_key":"911f667e98610","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"54d1a30eb862","_type":"block","children":[{"_key":"749f4c0ece42","_type":"span","marks":["strong"],"text":"Learn about the pros and cons of saving with cash"}],"markDefs":[],"style":"normal"}],"_key":"c693704a3c3a","_type":"ctaWidget","reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"},"text":"READ MORE"},{"_key":"4280abc3db8a","_type":"block","children":[{"_key":"b5abeae806ce0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4addfa5ccc00","_type":"block","children":[{"_key":"d09d3f5704010","_type":"span","marks":[],"text":"What is a Stocks & Shares JISA?"}],"markDefs":[],"style":"h3"},{"_key":"701dbed4c936","_type":"block","children":[{"_key":"c26223c48a760","_type":"span","marks":[],"text":"A Stocks & Shares JISA is similar to a Cash JISA, but instead of your kids' savings sitting idly in cash, it's invested in the stock market - in things like "},{"_key":"45ea290df4ff","_type":"span","marks":["6f5b3eea9e0a"],"text":"shares"},{"_key":"444ba8ee6ceb","_type":"span","marks":[],"text":" and "},{"_key":"290ac7cd4b15","_type":"span","marks":["80233f6c81c1"],"text":"funds"},{"_key":"ae69cfc998c1","_type":"span","marks":[],"text":" - in an attempt to grow their money and earn a profit."}],"markDefs":[{"_key":"6f5b3eea9e0a","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}},{"_key":"80233f6c81c1","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"d3482585d6e8","_type":"block","children":[{"_key":"4caddff85b480","_type":"span","marks":[],"text":"In the same way as you can with a regular "},{"_key":"16843dda2133","_type":"span","marks":["a3b62ef49dec"],"text":"Stocks & Shares ISA"},{"_key":"146a3608953d","_type":"span","marks":[],"text":", you can choose how you want to invest for your kids, picking your preferred provider as well as the individual assets you're investing - so it's customisable. For example's sake, let's say you'd like to invest for your children but you're not so sure about the idea of taking on too much risk (it's "},{"_key":"3ba38c0b4fef","_type":"span","marks":["em"],"text":"their "},{"_key":"d68992e4a0be","_type":"span","marks":[],"text":"money after all, they just don't get it until they're 18). You might opt for a low-risk selection of investments to minimise the chances that your kids' money will fall in value."}],"markDefs":[{"_key":"a3b62ef49dec","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"a961c2fd0027","_type":"block","children":[{"_key":"943a1750bd280","_type":"span","marks":[],"text":"There are loads of Junior ISA providers on the market which allow you to pick from a pre-made selection of investments according to the level of risk you're comfortable with, and these "},{"_key":"b45c25aec8b7","_type":"span","marks":["3c50e321b818"],"text":"ready-made portfolios"},{"_key":"c3dbfd7a0256","_type":"span","marks":[],"text":" make a great addition to a Stocks & Shares JISA. Alternatively, you can get straight to the point and pick whichever individual funds or shares you want by yourself. Shop around and see which providers have what you're looking for."}],"markDefs":[{"_key":"3c50e321b818","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"5f953562861e","_type":"block","children":[{"_key":"f4653c1f42020","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"3b517ab74465","_type":"block","children":[{"_key":"9d9fd587a15d","_type":"span","marks":["strong"],"text":"See which provider won the Best Buy JISA award for 2023 "}],"markDefs":[],"style":"normal"}],"_key":"993d2d172d57","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"cc973de9-f492-4486-8ef6-1449bb253705","_type":"reference"},"text":"SHOW ME"},{"_key":"d42bdeb7ea37","_type":"block","children":[{"_key":"6769896f62b6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8335ca36587f","_type":"block","children":[{"_key":"8df1cdf2501c","_type":"span","marks":[],"text":""},{"_key":"fe88fbc9c1e0","_type":"mainAnchor","pageAnchor":{"_ref":"deec01e6-aa63-4124-94b8-3129ecfe0bfd","_type":"reference"}},{"_key":"65319a60680c","_type":"span","marks":[],"text":"Is a Junior ISA right for me?"}],"markDefs":[],"style":"h2"},{"_key":"ad48f934deda","_type":"block","children":[{"_key":"bf7ab11e3bcf0","_type":"span","marks":[],"text":"Not sure if a Junior ISA is the right choice for your family? It can be stressful trying to decide which financial products you need for yourself, let alone for your kids! Have a browse of the pros and cons of JISAs in the table below to work out if they're right for you."}],"markDefs":[],"style":"normal"},{"_key":"14689b287807","_type":"prosConsWidget","cons":["Your kids are all over the age of 18","You don't want them to get their hands on it on their 18th birthday","You already have a Child Trust Fund"],"consTitle":"Bad if","pros":["You have a child or children under the age of 18","You've got a generous family who'll contribute to it","You want to teach your kids about saving money"],"prosTitle":"Good if"},{"_key":"29a935b41cbb","_type":"block","children":[{"_key":"ef54b90ac415","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f34a9b8c20e6","_type":"block","children":[{"_key":"b30e0ab7e19e","_type":"span","marks":[],"text":""},{"_key":"590c58faf0b9","_type":"mainAnchor","pageAnchor":{"_ref":"5ac3e3d4-c21f-42e2-92de-811e45d7eba6","_type":"reference"}},{"_key":"b9192e9a9f95","_type":"span","marks":[],"text":"How much can I save with a Junior ISA?"}],"markDefs":[],"style":"h2"},{"_key":"dbf239195c68","_type":"block","children":[{"_key":"d02181347a6b0","_type":"span","marks":[],"text":"You can save up to £9,000 into a Junior ISA per tax year, and these contributions can come from anyone, such as your kids' grandparents or bigger cousins. They don't take much to set up either. If you can spare £25-£50 a month, or have a lump sum of about £500 to hand, you can set up a Junior ISA with most major providers on the market. Some providers will let you set one up with as little as a single £1!"}],"markDefs":[],"style":"normal"},{"_key":"c0fc0752e1aa","_type":"block","children":[{"_key":"c5e2d4d06a2c","_type":"span","marks":[],"text":"The key here is to shop around, paying attention to minimum deposits and minimum monthly contributions, to see which JISAs are most sensible for your circumstances. You'll also want to check the fees and charges as these can differ vastly from provider to provider, and if you're opening Junior ISAs for multiple children, those could add up to a considerable amount before you even know it!"}],"markDefs":[],"style":"normal"},{"_key":"d0b4cbe99055","_type":"block","children":[{"_key":"c8aa6c8a6bd7","_type":"span","marks":[],"text":"Head over to our JISA compare tables to browse the market and get a sense of which provider is right for you. Read ours - and our readers' - reviews, compare monthly and annual charges, and see which have won our coveted 'Best Buy JISA' awards!"}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"29e5815ac3a7","_type":"block","children":[{"_key":"706f02f0f1f2","_type":"span","marks":[],"text":"FREE TOOL: Not sure which JISA is right for you?"}],"markDefs":[],"style":"h4"},{"_key":"413101212e38","_type":"block","children":[{"_key":"689ff7bc39ee","_type":"span","marks":[],"text":"Answer 6 questions. Get 3 tailored recommendations. Independent, unbiased, free."}],"markDefs":[],"style":"normal"}],"_key":"8c91ab282a38","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"reference":{"_ref":"249771c5-00b0-4103-9775-fe8bb8339397","_type":"reference"},"text":"FIND MY JISA"},{"_key":"1abf596bca2c","_type":"block","children":[{"_key":"481c51a5b399","_type":"span","marks":[],"text":""},{"_key":"1c870b39dcb1","_type":"mainAnchor","pageAnchor":{"_ref":"07bfc5ad-abe6-47eb-883d-b92e13a9e689","_type":"reference"}},{"_key":"d850e9f3930e","_type":"span","marks":[],"text":"What happens to a Junior ISA when my child turns 18?"}],"markDefs":[],"style":"h2"},{"_key":"dab204cef3ed","_type":"block","children":[{"_key":"a9bd0d034f18","_type":"span","marks":[],"text":"JISAs can be a great way to give the rugrats a dollop of cash for a house deposit, a car, or to fund their education. However, you need to be aware that you can’t control what they do with it. All the money you put in is locked away until your child’s 18th birthday. At that point, it becomes "},{"_key":"cdbc9fe66a55","_type":"span","marks":["em"],"text":"their "},{"_key":"2cd52c238620","_type":"span","marks":[],"text":"money and they are free to do whatever they like with it. Plus, from the age of 16, your kids can actually "},{"_key":"1122eada3f19","_type":"span","marks":["em"],"text":"control "},{"_key":"a7de115dc70a","_type":"span","marks":[],"text":"their own Junior ISAs - meaning they reserve the right to go in and change the underlying investments in it, if they so wished."}],"markDefs":[],"style":"normal"},{"_key":"4a3f5d7251d5","_type":"block","children":[{"_key":"a427561d5bca","_type":"span","marks":[],"text":"If you’ve got a responsible one, you might be lucky and they’ll leave it be and use it for their university fees. If you haven’t, maybe don’t tell them it’s there and then surprise them with it on their 18th birthday - when their Junior ISA will roll over into a normal adult ISA. Alternatively, use their JISA to teach them about money - saving, compound interest and the like - and it can be a powerful tool to encourage healthy money habits in your little ones."}],"markDefs":[],"style":"normal"},{"_key":"461db056f148","_type":"block","children":[{"_key":"71551d1eeb95","_type":"span","marks":[],"text":"Hargreaves Lansdown is the biggest provider of Stocks & Shares JISAs in the UK, and their data suggests our kids are pretty sensible – 97% of their JISAs transfer to adult ISAs and see no withdrawals in the first 12 months. And almost a third pay in more after that. When did kids get so sensible?"}],"markDefs":[],"style":"normal"},{"_key":"41e6bc709f7d","_type":"block","children":[{"_key":"d9f6c42fd84a","_type":"span","marks":[],"text":""},{"_key":"b428dfc715b1","_type":"mainAnchor","pageAnchor":{"_ref":"206409d7-e9cf-4762-8284-e30909591660","_type":"reference"}},{"_key":"13194d9c67c8","_type":"span","marks":[],"text":"Can I move a Child Trust Fund to a Junior ISA?"}],"markDefs":[],"style":"h2"},{"_key":"273cf2e41e64","_type":"block","children":[{"_key":"a5ce4a41e1f8","_type":"span","marks":[],"text":"Child Trust Funds (CTFs) are a type of saving account that were previously available for kids born between 1 September 2002 and 2 January 2011. Parents could use them to deposit free cash vouchers of up to £250 (or up to £500 if they were on a low income) that used to be handed out twice to each child by the government. But as they're now defunct, the question is... should you move it to the new kid on the block, the Junior ISA?"}],"markDefs":[],"style":"normal"},{"_key":"3a5ab587db7d","_type":"block","children":[{"_key":"410d4c1d9a1b0","_type":"span","marks":[],"text":"There’s no way to say this nicely: this is a bugger’s muddle. Many providers will not accept a transfer of Child Trust Funds into Junior ISAs. You can sometimes move from a Child Trust Fund to a Junior ISA with your original provider, though this can - and often will - incur fees. However, it's a bit trickier if you want to switch to another provider entirely, and you'll likely have to switch to a JISA with your original provider "},{"_key":"49d8f0247e84","_type":"span","marks":["em"],"text":"first "},{"_key":"51759eedf235","_type":"span","marks":[],"text":"before changing to the next one. AJ Bell and Hargreaves Lansdown are quite good on the admin here so it may be worth giving them a call to check if they could support a CTF transfer into a JISA with them."}],"markDefs":[],"style":"normal"},{"_key":"feacdee7429a","_type":"block","children":[{"_key":"5d9db38a7263","_type":"span","marks":[],"text":"Before moving, do contact your current provider and ask them about all exit fees. That’s the first step. And, if you've lost track of where your child’s Trust Fund is, you can search on the government’s website "},{"_key":"9384583b2e1f","_type":"span","marks":["59b589b09b70"],"text":"here"},{"_key":"ec070b1819f8","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"59b589b09b70","_type":"internalLinkPick","blank":true,"reference":{"_ref":"7e8157ea-41d8-48d1-8fde-a9e36c86f742","_type":"reference"}}],"style":"normal"},{"_key":"0cbdfb0798d4","_type":"block","children":[{"_key":"4cf7ad0cc817","_type":"span","marks":[],"text":""},{"_key":"63025aad9dc3","_type":"mainAnchor","pageAnchor":{"_ref":"41038ee2-7007-49ba-aa0e-1cc728b06686","_type":"reference"}},{"_key":"1a7aee92cd040","_type":"span","marks":[],"text":"Find the right Junior ISA provider"}],"markDefs":[],"style":"h2"},{"_key":"2e46ae7db05f","_type":"block","children":[{"_key":"ecc1b0f97b920","_type":"span","marks":[],"text":"Looking to open a Junior ISA for your kids? Not sure who to turn to? That's precisely where we come in. Head on over to our JISA compare tables to see which providers get our - and our readers' - seal of approval, on everything from fees to customer service. Click the link below to dig in!"}],"markDefs":[],"style":"normal"},{"_key":"df399255444f","_type":"block","children":[{"_key":"3f066d6331fe0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"51f96e86d6b1","_type":"block","children":[{"_key":"581c8a951ac1","_type":"span","marks":["strong"],"text":"Find the right JISA for you"}],"markDefs":[],"style":"normal"}],"_key":"8f943283cf7d","_type":"ctaWidget","reference":{"_ref":"aeed79f1-9b6d-4414-a729-8c537ad53fef","_type":"reference"},"text":"COMPARE PROVIDERS"}],"categories":[{"_key":"6ead48c606ce","_ref":"33d1ae5f-e338-4a6a-99bd-51b86ddba053","_type":"reference"},{"_key":"aed4952e4fc3","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"excerpt":[{"_key":"59ec1d53decb","_type":"block","children":[{"_key":"1dbc18bdf8e0","_type":"span","marks":[],"text":"These tax-free savings accounts allow you to build up a nest egg for the kids. You can open a Cash JISA or a Stocks & Shares JISA, and anyone can pay into this until your child’s 18th birthday. 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