Stocks and Shares ISA - Investment ISA UK

Match your investments to your values and goals.

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Matched to you

A globally diversified portfolio matched to your goals and personal risk profile, backed by smart technology and human expertise.

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Expert portfolio maintenance

Our Asset Allocation team monitors and regularly rebalances your ISA to maintain its optimal structure.

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Comprehensive risk management

Your ISA portfolio stays aligned with your personal risk profile and investment goals.

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Advanced market insights

Cutting-edge technology drives in-depth analysis for strategic investment decisions.

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Stay informed

Open communication keeps you engaged and in the loop about your ISA investments.

A Managed ISA could be right for you if…

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You’re looking for a ready-made portfolio that aligns with your goals.

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You want Moneyfarm’s experts to manage your investments.

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You aim to build your wealth while maintaining tax benefits.

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You prefer a hands-off, time-saving approach to investing.

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Is a Managed ISA right for you?

Our Managed ISA can be personalised with different investment styles to align with your values and goals.

Socially responsible investing (ESG)
Choose a diversified portfolio with a mix of assets that meet environmental, social, and governance (ESG) sustainability requirements.
Learn more
Money market funds (Liquidity+)
Make your short-term cash work harder with a low-risk portfolio, a Bank of England variable rate, plus flexible access.
Learn more
Thematic Investing
Add megatrend themes to your portfolio and gain exposure to the high-growth areas changing our world.
Learn more

Open a portfolio

Guidance that grows with you.

From digital advice to one-to-one support with a Dedicated Qualified Wealth Manager, our Wealth tiers are designed to give you the right level of guidance as your investment needs grow.

Discover wealth tiers

What our clients say about us.

Trust is earned, not given. If you’re still unsure about Moneyfarm, discover what our clients are saying about us on Trustpilot.

How our pricing works.

Management fees are charged on your invested amount. You’ll also incur average fund costs (around 0.16% per year) and market spread effects (up to 0.05% per year).

Actively managed

0.45%

Actively managed

0.10%

Actively managed

0.10%

Actively managed

No fees

Fixed Allocation

0.15%

Liquidity+

0.05%

Calculate my fees

Platform fee

The platform fee applies to all Wealth assets combined. VAT included where applicable.

All managed portfolios (Min £1.25/month)

0.25%

How do they perform?

Explore the performance of our portfolios over time. View overall trends and the performance for specific years.

What we invest in.

Explore the full asset breakdown of our seven portfolios – from lower risk to higher risk – by asset type, sector and geography. Use the toggle to switch between Classic and ESG portfolio types.

With our Thematic Investing option, you can add growth themes to your portfolio to invest in megatrends like technological innovation, sustainability and changes in society.

Discover the untapped potential of your wealth when you invest with us.

Simply input how much you’re thinking of investing initially, how much you might contribute regularly, and for how long.

Amount to invest

£20,000.00

Investment product

Management style

Focus

Thematic investment option

Moneyfarm fees

(What you pay us)

0.70%

£11.67/month

Our management fees

0.45%

£7.50/month

Our platform fee

0.25%

£4.17/month

Instruments costs (Fund fees + Spread)

up to 0.21%

£3.50/month

Total estimated costs

up to 0.91%

£15.17/month

Costs breakdown

You won’t pay

Entry and exit fees
Withdrawal
Top-ups

Get started in 3 simple steps.

Choose an investment solution or let our questionnaire guide you.
Discover the option best suited to your objectives and needs.
Start your investing journey with our experts by your side.

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Investments can go down in value as well as up, and you may get back less than you put in. See our full risk disclosure for details.

Add megatrend themes to your portfolio and gain exposure to the high-growth areas changing our world.

Transfer your Cash ISA

By making an investment, your capital is at risk. The value of your Moneyfarm investment depends on market fluctuations outside of our control and you may get back less than you invest. Past performance is no indicator of future performance. The tax treatment of a Moneyfarm Stocks and Shares ISA and a Moneyfarm Pension depends on your individual circumstances and may be subject to change in the future. You should seek financial advice if you are unsure about investing.

Registered office: 90-92 Pentonville Road, London N1 9HS | Registered in England and Wales Company No. 09088155 | Telephone number: +44 (0)20 3745 6991 | VAT No. 467458154

Moneyfarm is a trading name of MFM Investment Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA Firm Reference Number: 629539)

Authorised and regulated by the Financial Conduct Authority as an Investment Advisor and Investment Management Company - Authorisation no. 629539

This company meets high standards of social and environmental performance, transparency and accountability.

Moneyfarm uses an encrypted connection to protect your data.

Frequently Asked Questions.

What is flexi-ISA?

From 6 April 2016 onwards, investors have been able to withdraw money from a Cash ISA or a Stocks & Shares ISA and put it back in without losing that part of their allowance, provided they do so within the same tax year.

At Moneyfarm, this means that any disinvestment (withdrawal) will effectively top up your available ISA allowance for the current tax year, allowing you to reinvest those funds at a later date without eroding your annual limit. Find out more about Flexible ISAs.

What’s the difference between a Cash ISA and a Stocks & Shares ISA?

Take a look at our handy guide to see the different types of ISAs you can select so that you can choose the best one depending on your needs and situation.

Should I choose a SIPP or an ISA for retirement?

Different investment accounts are suited to different financial goals - learn more about ISAs and SIPPs with our guide.

Why is a Stocks & Shares ISA important?

A Stocks and Shares ISA helps protect your money from inflation and could help you hit your long-term financial goals. On top of this, any money is protected in a tax-free wrapper.

A Stocks & Shares ISA is often used for goals five years away, or more. As markets move up as well as down, there’s an opportunity to grow your money, and often this can help to protect you from inflation risk.

At Moneyfarm we build portfolios with a diverse range of assets based on your investor profile and time horizon to ensure you’re comfortable with any losses, whilst also aiming to deliver long-term returns.

Do you offer a help-to-buy or lifetime ISA?

No, we do not offer the Help-to-Buy or Lifetime ISA.

Do you offer a Cash ISA?

Yes we do! Check out our Cash ISA page for more information.

What are the tax benefits of a Stocks & Shares ISA?

ISAs have generous tax benefits that can help you maximise your investment returns.

When you invest in an ISA, you’re not charged Capital Gains Tax (CGT) on any profit you make when you sell your investments and withdraw money from your account. Everyone has an annual CGT exemption allowance of £3,000 in the 2024/25 financial year. You’ll be charged CGT on any profit made above this annual allowance if you didn’t invest in an ISA.

Any losses made on your investments in your Stocks & Shares ISAs can’t be used to offset capital gains on your other investments.

ISAs also protect any income from your investments in your tax-free wrapper.

Outside of an ISA, you don’t pay tax on the first £500 of dividends you get in the 2024/2025 tax year. Above this allowance, you pay tax of 8.75-39.35%, depending on your income tax band. If you invest in an ISA, you don’t pay a thing.

The tax treatment of a Moneyfarm Stocks & Shares ISA depends on your individual circumstances and may be subject to change in the future.

Who can open a Stocks & Shares ISA?

To open a Stocks & Shares ISA you must be at least 18 years old and must be a UK resident for tax purposes.

Can I withdraw from my Stocks & Shares ISA?

You can withdraw money from your ISA whenever you need to, without it impacting your ISA allowance from that tax year. Moneyfarm does not charge you to withdraw from your ISA, as we know how important it is that you have flexible access to your investments. However, the longer you can keep your money invested, the more you can expect your money to grow to help you have a more financially secure future. Learn how to withdraw your money from a Stocks and Shares ISA

What is your annual ISA allowance?

This tax year you can invest up to £20,000 in your ISA. The tax year runs from 6 April until 5 April the following year and that’s when your ISA allowance automatically refreshes.

You can pay your whole allowance of £20,000 into a Stocks and Shares ISA, a Cash ISA, or a combination of the two. Even if you have an ISA elsewhere, you can still open a Stocks and Shares ISA with Moneyfarm, and you can also transfer over an old ISA to your new Moneyfarm account. You can choose between making a lump sum investment, and/or making regular contributions throughout the tax year. Your Moneyfarm ISA is flexible to suit you. Your annual ISA allowance expires at the end of the tax year and any unused allowance will be lost. It’s a case of ‘use it or lose it’, as your allowance can’t be rolled into the next year. With Moneyfarm, you can invest more than the ISA allowance, for example, with a General Investment Account, but any investments outside the ISA wrapper won’t be sheltered from tax. Find out more about how much you can put in your ISA.

Do you offer a Junior ISA?

Yes we do! Check out our Junior ISA page for more information.

Risk level:

Lower risk

Higher risk

Portfolio 7 performance

Start date

112016

All time

Annual average

Risk level:

ESG option:

Portfolio 1 composition

Cash & short-term Gov. Bonds
39%
Includes short-term financial instruments. These investments are considered very low risk as they are easily tradable and have short time horizons. E.g. Sterling Cash Products.
Developed Markets Gov. Bonds
14.4%
Includes bonds issued by developed countries such as the UK, US and Europe. These bonds are generally considered lower risk than other bond and equity investments.
Inflation Linked Bonds
5.5%
Developed countries bonds tied to inflation. They offer protection against inflation, their performance is linked to expected inflation rate changes and interest rate changes.
Investment Grade Corporate Bonds
21.6%
These are bonds issued by companies with a strong credit rating. The rating is used to determine the risk profile of the company and Investment Grade bonds are considered the safest within the corporate space.
High-Yield & Emerging Markets Bonds
17.5%
Includes government bonds of developing countries and riskier corporate bonds. These bonds tend to have lower credit ratings than Investment Grade Bonds but can offer higher potential returns.
Cash
2%
Cash is the amount of money that you need to leave in the account to deal with transactions, tax and management fees. Generally, it will be approximately 2-3% of your portfolio.

Managed Stocks and Shares ISA.

Match your investments to your values and goals.

A Managed ISA could be right for you if…

Is a Managed ISA right for you?

Socially responsible investing (ESG)

Money market funds (Liquidity+)

Thematic Investing

Guidance that grows with you.

How our pricing works.

Platform fee

How do they perform?

What we invest in.

Discover the untapped potential of your wealth when you invest with us.

Get started in 3 simple steps.

Frequently Asked Questions.