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Have you completed your ISA checklist?

  • Have you completed your ISA checklist?

    Completing the ISA checklist ensures your money has the best chance of providing better returns for you.

1. Managing your finances efficiently

 

You have probably heard this once or twice before by now, but keeping your money as cash can prevent you from getting the most out of it. While you should have some funds set aside to cover emergencies, having excess cash in a deposit account or even in a Cash ISA could damage your wealth, as the ‘real’ value of this money is likely to be eroded if, as at present, interest rates are not keeping up with the increased cost of living.

 

 

 

2. Investing can get your money working harder

 

If you’ve already decided that keeping money as cash doesn’t work for you then considering investing it could help provide you with better return. As shown in the graph, the long-term returns from cash have consistently been beaten by those from the stock market over ten years or more, although, past performance is not an indication of future performance and you may get back less than you invested. If you don’t need to use your money for at least five years (ideally longer), then investing could be right for you.  

The share data is based on the total returns from the FTSE 100 and the cash return is based on the average UK base rate from the Bank of England Data runs from 31 Dec 2007 to 31 Dec 2017.

 

 

 

 

3. Make sure you've got the right tools for the job

You wouldn’t build a house without the right tools, so why do the same when it comes to building your investment portfolio? When investing with Selftrade, you’ll have access to a range of tools designed to narrow down the choice and analyse your portfolio.

  • ETF Select 100

    A list of 100 best-in-class, and independently researched, Exchange Traded Funds (ETFs) available in the UK market today.

     

  • Mutual Fund Select

    Helps you narrow down your investment choices and select a mutual fund that meets your investing goals and appetite for risk. 

     

  • Stockomendation

    A "find, track and compare" platform and gives you free access to over 1,000 new stock tips every month from the UK's leading brokers.

     

  • Portfolio X-Ray

    A powerful analytical tool that can show how diversified your portfolio is in a matter of seconds and accessed easily from your account dashboard.

     

  • ETF Select 100

    A list of 100 best-in-class, and independently researched, Exchange Traded Funds (ETFs) available in the UK market today.

     

    Use now
  • Mutual Fund Select

    Helps you narrow down your investment choices and select a mutual fund that meets your investing goals and appetite for risk. 

     

    Use now
  • Stockomendation

    A "find, track and compare" platform and gives you free access to over 1,000 new stock tips every month from the UK's leading brokers.

     

    Use now
  • Portfolio X-Ray

    A powerful analytical tool that can show how diversified your portfolio is in a matter of seconds and accessed easily from your account dashboard.

     

    Use now

4. How diversified is your portfolio?

Once you have ticked off points 1, 2 and 3, the final point to check is ensuring the investments you have chosen are suitably spread to help reduce the impact of any potential risks they are exposed to – such as a stock market crash or a big public company going into liquidation. If your portfolio is concentrated in just one or two holdings, the impact of market volatility could reduce its value. 

Simply by investing in the markets in the first place you have taken the first step towards diversification as not all your savings will be in just one asset class – cash.

But you should also look to spread your money across different countries, regions, industries, between passive and active investments and between large and small cap stocks. How you allocate your money will depend on your risk appetite and investment time frame.

It makes sense to keep your holdings to a manageable number. This might not seem like enough to achieve a truly diversified portfolio, but remember, funds and exchange-traded funds allow you to access tens, hundreds or even thousands of underlying investments in a single trade.

Portfolio X-Ray is the perfect tool to help you dissect your portfolio and identify areas where you might be over-exposed as it can show you in a matter of seconds how your investments are split across different regions, sectors and asset classes. 

You can check the current allocation of assets in your portfolio and ensure it is in line with your strategy. If exposure to one asset class has fallen below or risen above your targeted threshold, you could consider buying and selling accordingly.

 

Log in to try Portfolio X-Ray now

 

 

 

 

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
  • No ISA management fee
  • Potential to outperform your cash savings over the long-term

Why choose a Selftrade Stocks and Shares ISA?

Simple and Hassle Free

Transferring Cash and/or investments from 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

We also offer a range of free tools to help you compare and decide what to invest in your ISA.

And this is all part of our service, as standard, at no extra cost.

Making a Selftrade Stocks and Shares ISA 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.