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Five top tips for your ISA

  • Five top tips for your ISA

    Five money experts share their top tips for your ISA investments

  • You wouldn't shop at every supermarket if one earns you great discounts... so why do it with your investments?

    With our frequent trader rate, the more you trade, the less you pay. 

    So your investments can go further

    Open an ISA today

We’ve asked five trusted experts from the world of money and personal finance for their top tips on how you can make the most of your money and ISA investments this tax year.

1. Make it a habit

“You don’t need a big, lump sum to start a stocks and shares ISA, you can set up a scheme on direct debit for as little as £50 a month. By investing a fixed amount regularly, you buy less when shares are expensive and more when they are cheap. Over time, this works out as a lower average cost. It’s a top investment strategy with almost zero effort on your part!”

Jane Wallace, money and parenting blogger from Skinted Minted Mum

 

2. Don't Panic

“A common truth is that ‘investors who panic end up losing money’. In my view market falls are a time to add money to your chosen investments in your ISA, not the opposite! Don’t panic and sell just because the market falls. Investing is a long term game: there will be ups and downs along the way, so take advantage of this. At very least, allow yourself to sit back and leave well alone. Don’t celebrate too hard when the market shoots up, but equally don’t get too pessimistic when the market falls. Be patient. Choose your investments wisely, and then stick with them for the long term.”

Rob Hudson, Head of Digital Distribution, Aberdeen Standard

 

3. Stick to your values

"Keep your values close. If you are not sure which fund to choose, start looking beyond the fund name, manager and performance charts - examine the top ten fund holdings too. Visit the company websites and get a feel for what they do. Do you like the look of the companies the fund invests in? Or do their activities contradict your values? For example, if you can't stand smoking, do you still want to invest in a fund with lots of tobacco holdings? If you don't like the holdings, do the same exercise with another fund until you find one that fits better with your world view. You could stick with positive impact funds to be on the safe side, as long as you are also happy with the prospect for returns."

Becky O’Connor, founder of Good With Money

4. Safeguard from downturns

“In times of market downturns, investors often worry about safeguarding their assets. Gold and precious metals can have a role to play in investors’ portfolios at such times. As inflation rises and real purchasing power wanes, gold and precious metals are historically one of the very few assets to hold up as they are negatively correlated to equity markets. They can act as a diversifier in the portfolio, helping to buffer portfolio performance when other assets are in decline, and can help provide a source of liquidity. In the past 10 years, during the FTSE 100’s worst 10 months of performance, where it has fallen by 8.2% on average, gold prices have risen on average by 3.8% in local currency terms.”

Catarina Donat Marques, Director, Capital Markets ETF Securities

5. Don't delay, start now

“Better to start small and start soon. Rather than agonising over shares in individual companies, pick a low-cost global fund where your money is spread over lots of different companies, countries and assets. You can set up a monthly direct debit into an ISA for as little as £50 a month, then learn more as you go along.”

Faith Archer, money blogger at Much More With Less

 

 

These tools are designed to help you find and research investments. However, you are responsible for reviewing and making your own investment decisions.

Invest in a Selftrade Stocks and Shares ISA and get your money working harder for you

By investing your cash savings into a tax efficient Stocks and Shares ISA you’ll make sure you don’t pay any more tax than you need to and take advantage of the following benefits:

  • £20,000 annual ISA allowance limit
  • Don’t pay any Capital Gains Tax or additional income tax on any gains made
  • No need to declare on your tax return
  • Your money can be accessed any time
  • Potential to outperform your cash savings over the long-term

Why choose a Selftrade Stocks and Shares ISA?

Simple and Hassle Free

Transferring from a Cash or a Stocks and Shares ISA

Transferring money and/or investments from another ISA provider into your Selftrade Stocks and Shares ISA is simple and hassle free and it takes less than 10 minutes to arrange. 

1. Download and complete the relevant form.
2. Return the completed form to us 
3. We’ll take care of the transfer from your old provider to your new Selftrade Stocks and Share ISA

If you haven't got an ISA with us, you'll need to log in to your account and open one first before you can transfer in.

Log in here

ISA Transfer in form

As easy as One, Two, Three

Depositing money from savings/current account

Top up your account in minutes using your debit card to deposit your money into your ISA. 

1. Log in to your Selftrade account
2. From your dashboard, select 'View' your ISA, 'Manage A/C' then 'Top-up'
3. Use your debit card to top up instantly or easily set up a bank transfer from your nominated bank account

Great Value

We understand that you only want to pay for what you use, and not for items you don’t

  • We are completely impartial and are not incentivised to sell any investment type to you
  • We do not provide advice so we don't charge you for it
  • Fee discounts for frequent traders

That's why a Selftrade Stocks and Shares ISA is great value.

Protecting your investments

We are part of Equiniti plc, a FTSE 250 company that is trusted by 60% of the top 100 UK companies for 25 million UK people. 

We hold your money and investments safely and separately from our own assets. Your cash and investments belong to you and not anyone else and are easily identifiable from our own assets and the investments of other customers. So you can be confident that your money is safe with us.

We are authorised and regulated by the Financial Conduct Authority.