Comparing Stocks and Shares ISAs for beginners
If you've built an emergency fund and want to take the next step on your wealth-building journey, then a managed Stocks and Shares ISA could be for you.
A Wealthify Managed Stocks and Shares ISA, for example, takes the complexity out of investing for beginners; our team of investment experts make the most of your money, so you can make the most of your time. See how we compare to other providers below.
Get started with a minimum £1,000 initial deposit, then make further adhoc or monthly deposits big or small, to suit you.
With investing, your capital is at risk. Tax on investments depends on your individual circumstances and can change. ISA rules apply.
Is a managed Stocks and Shares ISA right for you?
✓ You don’t have enough experience to choose your own investments.
✓ You’d rather a team of investment experts manage everything for you.
✓ You value your time just as much as your money.
✗ You want to research and choose your own investments.
✗ You enjoy the ongoing management of your investments.
✗ You’re comfortable rebalancing your portfolio whenever needed.
What to look for in a Stocks and Shares ISA provider
As a first-time investor, remember that, ideally, you’ll want to keep your money invested for at least five years. This timeframe helps your investments smooth out short-term market swings and grow through compounding (the returns you earn on your returns).
When it comes to choosing your Stocks and Shares ISA provider, here are some additional factors to consider.
Fees: Even if it’s just a couple of percentage points, the lower your fees, the more profit you get to keep.
Flexibility: Ensure you can access your money if needed.
Ease-of-use: The ability to review investment performance, options, and styles whenever you want.
Regulated: Always choose providers that are regulated by the Financial Conduct Authority, with protection from the Financial Services Compensation Scheme, too.
Reviews: Read what others have to say about providers, making sure they’re strong in the areas that matter to you.
Comparing Stocks and Shares ISAs
← Scroll right on mobile to see full comparison →
*Flexible ISA: The ability to withdraw and redeposit your money without impacting your annual ISA allowance.
**Investment styles: When you invest with a managed Stocks and Shares ISA provider, you choose an investment style that reflects how much risk you're comfortable with. This determines how your money is invested.
Data accurate as of 13th May 2026. This information only applies to each company's managed Stocks and Shares ISA.
Why beginners choose Wealthify's Stocks and Shares ISA
There are plenty of reasons to choose our experts to manage your Stocks and Shares ISA — just ask the 70,000+ busy people whose Investment ISAs we manage.
Easy-to-use platform
If having Wealthify’s experts manage your money makes investing easy, then our investment dashboard makes it even easier! Whether you’re using our app or website dashboard, tracking your Investment Plan’s performance is smart, seamless, and simple.
True flexibility
As a 'Flexible' Stocks and Shares ISA, you can withdraw money and put it back in the same tax year — without affecting your annual ISA allowance. It's flexible in other ways, too: you can transfer in previous years' ISAs seamlessly, and switch between five investment styles (from Cautious to Adventurous) as your needs change.
Low, transparent fees
We charge one simple annual management of 0.6%, with trading fees of approximately 0.15% p.a. for Original Plans and 0.58% p.a. for Ethical Plans. We don't charge you for any deposits, withdrawals, transfers, or Plan closures.
Managed Investment Plans
Our Stocks and Shares ISA makes it really simple for beginners to invest with confidence. From researching to picking your investments, monitoring to maximising their performance; our team of experts manage everything for you.
A name you can trust
As well as being rated Excellent on TrustPilot (as of May 2026), Wealthify is owned and backed by Aviva, one of the UK’s largest financial services institutions.
Award-winning service
Thanks to our first-class investment platform and human Customer Care Team, we've picked up over 60 awards since 2016, including: Best for Beginners (2024) and Best for Customer Service (2025) at the Boring Money Awards; Best Overall Investment Platform (2025) at the Your Money Awards; Best Personal Finance Online Service (2023, 2024, and 2025) at the Personal Finance Awards.
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% |
How to open a Wealthify Stocks and Shares ISA
You can start investing with Wealthify in three simple steps:
Choose your style
Choose your initial deposit amount, investment style, and theme (Original or Ethical).
Take our quiz
Complete a suitability quiz to assess your circumstances and attitude towards investing.
We build
We build your Plan, aligning it with your chosen investment style. Once you’re all set up, our team of investment experts handle everything else.
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.