Comparing Flexible Stocks & Shares ISAs
Choosing the right Flexible Stocks and Shares ISA for you doesn't have to be complicated. We've outlined the key considerations below to help you decide.
Our Flexible Stocks and Shares ISA gives you full control over your money — withdraw and redeposit within the same tax year without losing your annual allowance. Plus, we build and manage diversified portfolios for a low annual fee so you don't have to.
Get started with a minimum deposit of £1,000, then top up with monthly or one-off deposits to suit your budget.
With investing, your capital is at risk. Tax on investments depends on your individual circumstances and can change. ISA rules apply.
Why our Flexible ISA could be right for you
As well as penalty-free withdrawals and allowance-friendly redeposits, here are a few other reasons to choose our Flexible Stocks and Shares ISA:
Simple Strategy
Pick from five investment styles – as well as the ability to invest ethically – then let our experts manage the rest for you. You can change your investment style at any time, with an annual management fee of just 0.6%.
Stress-free Service
Whether it’s our easy-to-use app or an award-winning Customer Care Team, we’ve made investing as straightforward as possible. It’s why we’ve been voted Best Personal Finance Service at the Personal Finance Awards, three years running.
Time-Saving Transfers
Transfer any Cash ISAs or Stocks and Shares ISAs you have to a Wealthify Investment ISA. Transferring ISAs doesn’t impact your ISA allowance, so you can still put up to £20,000 into an ISA this tax year.
How does Wealthify's Flexible ISA compare?
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Data accurate as of 15th May 2026. This information only applies to each company's managed Stocks and Shares ISA.
Key considerations when choosing an Investment ISA provider:
- Fees: Even if it's just a couple of percentage points, the lower your fees, the more profit you get to keep.
- Reviews: Cross-referencing reviews could give you a clearer idea of the provider that best suits your needs.
- Investment Options: Is it easy to understand how and where your money's invested?
- Regulation: Always choose Financial Conduct Authority regulated providers with Financial Services Compensation Scheme protection.
Our awards
How to open a Wealthify Flexible Stocks and Shares ISA
In just three simple steps, you can join the 70,000+ investors using our Flexible Stocks and Shares ISA:
Choose your style
From Cautious to Adventurous, choose from five investment styles, and an Original or Ethical Plan.
Take our quiz
Answer a few questions in our suitability quiz, which helps you start an ISA that's right for your circumstances and attitude towards investing.
Let us build
Our team of investment experts then get to work building your Plan, making sure it’s aligned with your chosen investment style.
Let us manage
Sit back and let our experts make the most of your money, so you can make the most of your time.
See how our Plans have performed
The graph below shows how each of our investment styles - from Cautious to Adventurous - have performed between 29th February 2016 and 30th April 2026, after all fees have been taken (based on 0.60% p.a. Wealthify management fee). These figures are based on the performance of Plans worth more than £100, figures will be different for Plans below that amount.
Original
Ethical
Of course, we experienced the ups and downs of the market along the way and you could get back less than you put in. Although we cannot rely on past performance to predict future results investing for the long-term (5 years or more) typically delivers positive returns. These figures are after all fees have been taken (based on 0.60% p.a Wealthify management charge), and are based on the performance of Plans worth more than £100 and will be different for Plans below that amount.
Original Plan performance by year
This table shows by how much each of our investment styles have grown each year
| Investment Style | 31/12/2020 - 31/12/2021 | 31/12/2021 - 31/12/2022 | 30/12/2022 - 30/12/2023 | 29/12/2023 - 29/12/2024 | 30/12/2024 - 30/12/2025 | 30/04/2025 - 30/04/2026 |
|---|---|---|---|---|---|---|
| Cautious | 0.56% | -11.06% | 4.72% | 1.31% | 6.16% | 4.95% |
| Tentative | 3.85% | -10.53% | 6.37% | 3.48% | 8.34% | 9.94% |
| Confident | 6.81% | -9.91% | 7.99% | 6.29% | 10.38% | 15.15% |
| Ambitious | 9.83% | -8.89% | 9.71% | 9.35% | 12.24% | 20.09% |
| Adventurous | 12.91% | -9.18% | 11.61% | 12.56% | 13.81% | 25.10% |
See how our Plans have performed
The graph below shows how each of our investment styles - from Cautious to Adventurous - have performed between 13th August 2018 and 30th April 2026, after all fees have been taken (based on 0.60% p.a. Wealthify management fee). These figures are based on the performance of Plans worth more than £100, figures will be different for Plans below that amount.
Original
Ethical
Of course, we experienced the ups and downs of the market along the way and you could get back less than you put in. Although we cannot rely on past performance to predict future results investing for the long-term (5 years or more) typically delivers positive returns. These figures are after all fees have been taken (based on 0.60% p.a Wealthify management charge), and are based on the performance of Plans worth more than £100 and will be different for Plans below that amount.
Ethical Plan performance by year
This table shows by how much each of our investment styles have grown each year
| Investment Style | 31/12/2020 - 31/12/2021 | 31/12/2021 - 31/12/2022 | 30/12/2022 - 30/12/2023 | 29/12/2023 - 29/12/2024 | 30/12/2024 - 30/12/2025 | 30/04/2025 - 30/04/2026 |
|---|---|---|---|---|---|---|
| Cautious | 0.80% | -14.80% | 4.80% | 0.60% | 5.30% | 4.20% |
| Tentative | 4.10% | -15.20% | 6.90% | 2.90% | 5.80% | 8.40% |
| Confident | 7.70% | -15.70% | 8.90% | 5.30% | 6.30% | 12.50% |
| Ambitious | 11.10% | -16.30% | 11.10% | 7.60% | 6.50% | 15.90% |
| Adventurous | 14.50% | -17.60% | 13.30% | 10.30% | 6.40% | 19.60% |
Wealthify Customer Reviews
Investment ISA FAQs
When you’re building your Personal Investment Plan, the first question you will be asked is whether you would like to open an ISA or a General Investment Account. Select ‘ISA’ to create an Investment ISA Plan. Under the current rules, you can have as many ISAs of each type you want (excluding Lifetime ISAs and Junior ISAs), and you can split your annual ISA allowance between them however you like.
If you’re likely to exceed your ISA allowance, you can simply set up a General Investment Plan to invest additional funds. There’s no extra cost for having two or more Plans.
The ISA limit and maximum you can save each year is £20,000. The tax year runs from the 6th of April to 5th of April the following year. Under the current rules, you can have as many ISAs of each type you want (excluding Lifetime ISAs and Junior ISAs), and you can split your annual ISA allowance between them however you like.
Under current tax rules, you can contribute your annual £20,000 allowance to as many Cash ISAs and Investment ISAs as you like per tax year to take advantage of your tax-efficient savings benefits (this does not include Lifetime ISAs and Junior ISAs). These ISAs can be with the same, or different providers.
You can also create as many ISA investment plans within your Wealthify account as you like in one tax year, as long as the combined total contributions you make to these plans does not exceed annual allowance. So, if you have various goals in mind, you can create different ISA pots for each one.
Yes, you can do an ISA transfer from your previous years' Investment ISAs, Innovative Finance ISAs, or Cash ISAs to another investment ISA provider at any time. Transfers don't impact your current year’s ISA allowance at all, so you can still invest this tax year’s full ISA limit as well as transfer existing ISAs over.
However, please ensure to use a transfer form. If you withdraw the money you pay in, you'll lose your tax-efficient benefits on that money. To arrange a transfer, simply create a Wealthify ISA Plan, then complete our simple ISA transfer form. We’ll arrange everything else.
If you’re an existing customer, simply head to your Dashboard and use the ‘transfer in’ button on your home screen. You can then choose whether you want to transfer your money into an existing Plan, or create a new one.
Nothing at all. A Stocks and Shares ISA and an Investment ISA are just different names for tax-free investments.
Yes, you can withdraw funds from your ISA plan at any time, without penalty. Since both our Stocks and Shares ISA and Cash ISA are flexible, you can also withdraw and replace funds within the same tax year without affecting your annual ISA allowance.
For Stocks & Shares ISA, Junior ISA & General Investment Account
We are authorised by the Financial Services Compensation Scheme (FSCS) and investments in these accounts are held by Wealthify itself. This means that in the unlikely event of Wealthify facing insolvency, up to a maximum of £85,000 of your money may be protected under the FSCS.
For Self-Invested Personal Pension customers
Our trusted custodian for pensions, Embark Investment Services Limited, hold your assets separately from Wealthify. This means Embark may offer you up to £85,000 in FSCS protection in the unlikely event they should become insolvent.
All investment customers
The Financial Services Compensation Scheme (FSCS) covers the first £85,000 of your investments. However, it’s essential to understand that the FSCS doesn’t cover you if your investments don't perform as expected (and you get back less than you originally invested). For more information, visit www.fscs.org.uk/.
Along with the FSCS cover outlined above, the companies we work with (and Wealthify itself) are regulated by the Financial Conduct Authority (FCA). All assets in our Stocks & Shares ISAs, Junior ISAs, General Investment Accounts, and Self-Invested Personal Pensions will be held in accordance with the FCA's Client Asset (CASS) rules. This means all parties hold your cash securely and separately from their own. For more information, please read Wealthify's Investment Terms and Conditions.