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?
Data accurate as of 15th April 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 71,000+ 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 31st December 2025, 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 | 31/12/2019 - 31/12/2020 | 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 |
|---|---|---|---|---|---|---|
| Cautious | 2.70% | 0.47% | -11.19% | 4.65% | 1.05% | 6.08% |
| Tentative | 3.88% | 3.72% | -10.82% | 6.21% | 3.36% | 8.02% |
| Confident | 4.87% | 6.66% | -10.33% | 7.76% | 6.09% | 9.93% |
| Ambitious | 5.11% | 9.66% | -9.39% | 9.46% | 9.10% | 11.58% |
| Adventurous | 5.06% | 12.75% | -9.14% | 11.35% | 12.27% | 12.95% |
See how our Plans have performed
The graph below shows how each of our investment styles - from Cautious to Adventurous - have performed between 28th February 2018 and 31st December 2025, 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 | 31/12/2019 - 31/12/2020 | 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 |
|---|---|---|---|---|---|---|
| Cautious | 4.14% | 0.73% | -14.93% | 4.80% | 0.70% | 5.22% |
| Tentative | 6.45% | 4.11% | -15.65% | 6.85% | 2.77% | 5.75% |
| Confident | 9.04% | 7.63% | -16.51% | 8.81% | 5.01% | 6.12% |
| Ambitious | 11.16% | 11.18% | -17.42% | 11.08% | 7.34% | 5.64% |
| Adventurous | 13.43% | 14.65% | -18.72% | 13.63% | 9.98% | 5.63% |