Whether you want fully managed portfolios or a robo advisor, here are Stocks and Shares ISAs to consider
Managed Stocks and Shares ISAs are where you choose from a range of ready-made portfolios made by investment experts. You’d usually choose one based on your appetite for risk and it’s already built from a range of stocks, funds, commodities and even bonds or gilts. The “robo” element that some providers offer refers to them using technology to decide when to buy and sell investments, or where technology is used to help find a portfolio to suit you.
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Here at Be Clever With Your Cash, we’re not regulated to give you financial advice. We aim to give you the facts about a provider or investment but it’s up to you to decide if it’s suitable for you. If you’re looking for more personalised guidance, find a financial adviser who can give you specific advice. Remember that your capital is at risk when investing — don’t invest more than you are prepared to lose.
Top picks
Our top pick
Customer rating
4.8/5
- Annual fee0.15%
- Minimum deposit£100 or £25 per month
- Portfolios available6 risk-based portfolios and a responsible investments portfolio
- FSCS Protected? Yes
- Other investment options You can also invest in individual shares and themed investments
- Interest on uninvested cash 4.06%
- Transfer in existing ISA? Yes
- Flexible ISA No
- Authorised and regulated by the Financial Conduct Authority Yes: FRN 211468
- Risk warning Capital at risk. The value of your investments may go up or down
Other options
Chip Stocks & Shares ISA
Customer rating
4.9/5
- Annual fee0.25%
- Minimum deposit£1
- Portfolios available3 risk-based portfolios and two index funds
- FSCS Protected? Yes
- Transfer in existing ISA? Yes
- Flexible ISA Yes
- Interest on uninvested cash No
- Authorised and regulated by the Financial Conduct Authority Yes: FRN 911255
- Risk warning Capital at risk. The value of your investments may go up or down.
Customer rating
4.5/5
- Annual fee0.45%
- Minimum deposit£100 or £25 per month
- Portfolios available4 risk-based portfolios
- FSCS Protected? Yes
- Fees Fees are reduced the more you invest. You're charged 0.45% on up to £250,000, 0.25% on the next £750,000, and 0.1% on the next £1,000,000. For amounts over £2m there is no charge
- Interest on uninvested cash 2.53%
- Transfer in existing ISA? Yes
- Flexible ISA No
- Authorised and regulated by the Financial Conduct Authority Yes: FRN 115248
- Risk warning Capital at risk. The value of your investments may go up or down
Monzo Stocks & Shares ISA
Customer rating
4.9/5
- Annual fee0.45%
- Minimum deposit£1
- Portfolios available3 risk-based portfolios
- FSCS Protected? Yes
- Interest on uninvested cash No
- Fund fees You'll also have to pay fund fees of 0.14%
- Transfer in existing ISA? Yes
- Flexible ISA Yes
- Authorised and regulated by the Financial Conduct Authority Yes: FRN 730427
- Risk warning Capital at risk. The value of your investments may go up or down.
Customer rating
4.9/5
- Annual fee0.5%
- Minimum deposit£10
- Portfolios available2 tracker funds
- FSCS Protected? Yes
- Fund fees You'll have to pay additional fund fees of up to 0.15%
- Interest on uninvested cash No
- Transfer in existing ISA? Yes
- Flexible ISA No
- Ready-made portfolios available 2 tracker funds to choose between: an L&G cash fund and a Fidelity Global Shares fund
- Authorised and regulated by the Financial Conduct Authority Yes: FRN 473606
- Risk warning Capital at risk. The value of your investments may go up or down
- Annual fee0.50%
- Minimum deposit£3,000
- Portfolios availableTwo portfolios
- FSCS Protected? Yes
- Interest on uninvested cash No
- Transfer in existing ISA? No
- Flexible ISA No
- Authorised and regulated by the Financial Conduct Authority Yes: FRN 984829
- Risk warning Capital at risk. The value of your investments may go up or down.
Customer rating
4.8/5
- Annual fee0.60%
- Minimum deposit£500
- Portfolios available10 portfolios based on risk and ethical options
- Offer£50-£1000 cashback
£50-1000 cashback. Minimum investment and terms apply. Registration ends 2 March 2026. Capital at risk
- Authorised and regulated by the Financial Conduct Authority Yes: FRN 662530
- FSCS Protected? Yes
- Flexible ISA Yes
- Important details Over 18s, UK residents and UK taxpayers only
- Interest on uninvested cash No
- Offer You could get cashback when you deposit and/or transfer more than £5,000 into a new or existing Stocks & Shares ISA. You'll get between £50 and £1,000 cashback depending on how much you deposit or transfer. You can find out more details on how much you'll get on the dedicated offer page.
- Offer details To get the cashback, you have to register for it by 23:59 on 2 March 2026 through the dedicated offer page. Then, you'll have 6 months to make your deposit and/or start your transfer(s). The money needs to stay deposited for 18 months. T&C’s apply. Tax treatments depend on your individual circumstances and may change in the future
- Risk warning Capital at risk. The value of your investments may go up or down
- Transfer in existing ISA? Yes
Customer rating
4.9/5
- Annual fee0.65%
- Minimum deposit£500
- Portfolios availableA range of ethical managed portfolios, a low-risk portfolio and 4 thematic growth themes
- FSCS Protected? Yes
- Transfer in existing ISA? Yes
- Interest on uninvested cash No
- Flexible ISA Yes
- Authorised and regulated by the Financial Conduct Authority Yes: FRN 629539
- Risk warning Capital at risk. The value of your investments may go up or down.
JP Morgan Personal Investing Stocks & Shares ISA
Customer rating
4.8/5
- Annual fee0.75%
- Minimum deposit£500
- Portfolios available30 portfolios, including fully managed, fixed allocation and ethical
- FSCS Protected? Yes
- Interest on uninvested cash No
- Transfer in existing ISA? Yes
- Flexible ISA No
- Authorised and regulated by the Financial Conduct Authority Yes: FRN 552016
- Risk warning Capital at risk. The value of your investments may go up or down.
Scottish Friendly My Easy Choice ISA
Customer rating
3.3/5
- Annual fee1.50%
- Minimum deposit£20 per month or £100 lump sum
- Portfolios available1 ethical portfolio and 10 risk based portfolios
- FSCS Protected? Yes
- Interest on uninvested cash No
- Transfer in existing ISA? Yes
- Flexible ISA No
- Fees Fees are tiered, so you’ll pay 1.5% on the first £5,000, 1% on amounts between £5,001 and £20,000, and 0.5% on any amount over £20,000. This is calculated daily and deducted on a monthly basis.
- Offer details Investments in the Unitised With-Profits Fund are subject to an annual fee of 1.50% which is reflected in the bonus rates declared. Over 2025, Scottish Friendly will apply a special offer, reducing your overall charge applied to Unitised With-Profits Funds in your ISA or Junior ISA by 0.25%. This means bonuses applied over 2025 will reflect a reduced annual fee of 1.25%
- Authorised and regulated by the Financial Conduct Authority Yes: FRN 110002
- Risk warning Capital at risk. The value of your investments may go up or down.
What are the different types of investment portfolios?
There are a few different types of portfolios that you’ll come across – these include:
- Fully managed portfolios: these have real people managing them. They buy and sell the investments in the portfolio to make sure they perform well and reflect the risk profile.
- Fixed allocation portfolios: these have been created by experts but aren’t managed day-to-day. They get rebalanced routinely to ensure they still fit your chosen risk profile.
- Ethical or responsible portfolios: these invest in companies that are aiming to improve the world, such as by not investing in weapons or fossil fuels — you can get both fixed allocation and fully managed ethical portfolios. You can see more about what makes the funds ethical or responsible from your chosen provider.
- Thematic collections: these are collections of funds that fit specific themes, such as technology, British, woman-owned, energy or sports. You would choose a few of these that match your own values to build a portfolio with little effort. These aren’t quite the same as managed portfolios, but they still allow you to passively invest.
