Remember that investments go up and down in value, and you could lose money as well as make it. How you’re taxed will depend on your circumstances, and ISA and tax rules can change. We don’t offer investment advice, so you’ll need be confident you can manage your ISA yourself.
Getting started with our ISA
Don’t forget about charges
All you need to know about holding costs, interest rates, and dealing fees
Our award-winning ISA
Invest up to £20,000 per year tax-free with a Which? Recommended Provider
Stress-free transfers
If you have an existing ISA with another provider, you can move it across to us
What else do you need to know?
What is the average return for a Stocks and shares ISA?
The Barclays 2024 Equity Gilt Study shows that over the last 130 years, shares outperformed cash nine times out of 10, over a 10-year period. Additionally, over the past 20 years, stocks returned 3.1% a year above inflation, compared to a 1.8% a year loss from cash.
Are there any costs that will impact your calculation?
Yes - account and dealing charges may vary depending on how many investments and deals you plan to make. An annual charge of 0.75% has been deducted from the projected ISA value above, so it gives you a clearer idea of potential returns.
How much should you pay into an investment ISA each month?
This depends on your financial status – how much you can afford to put away each month – and how much you want to save for the future. In order to use our regular investment service, you must deposit at least £25 per month into your Stocks and shares ISA, but many investors choose to save even more than this.
We'll help you get investing
For over 25 years, AJ Bell has made investing simple and affordable. We’re a 6x Which? Recommended Provider, with an award-winning range of accounts.
Can we help?
If you’d like more information about AJ Bell’s accounts and services, get in touch with our friendly customer services team - we’re here to help.