Pick a product

Tell us which of the following options sounds best to you – and we’ll do the heavy lifting.

  1. An option where some finance gonk does all the number-crunching and graph-staring and basically creates you an investment read-meal. We call this a Ready-Made ISA or Ready-Made Pension.
  2. Or an option where you get to choose the funds and investments which go into your ISA or Pension Account. We call this a Build Your Own

These pages show the winners of our 2021 Best Buys. Visit Boring Money's full comparison tables if you want to explore more choices. 

And please always remember - investments can go down as well as up.

Show me my options

There is one main thing we need to ask before we show you our Best Buys.
Do you prefer:
Provider
We Say
Recommended
Cost (£10k)
Cost (£100k)
In a Nutshell

£28.00

£259.00

Low cost

Strong on pensions

Good research and content

Costs - admin only

Visit
  • AJ Bell have the lowest open market platform fee on the market
  • The company offers access to a wide range of investments, including various foreign markets
  • Unlike many of their direct competitors, AJ Bell do charge a fund dealing fee of £1.50 per trade
  • AJ Bell won both a Best Buy ISA and a Best Buy Pension in our 2021 Best Buy Awards, as well as Best for Beginners, Best for Sustainable and Best for Low-Cost
  • AJ Bell has a recommend score of 77% from its customers. This is based on 200 reviews on the main Boring Money site as of 1st March 2021
  • Best for those keen to learn, who want a decent all-rounder and something fairly priced.

  • NB The fees illustrated are the admin fees only - your total costs will also depend on the costs of any investment funds you pick. 

£35.00

£350.00

Big, secure company

Good phone support

Recently improved website

Costs - admin only

Visit
  • Fidelity have a recently improved website that offers amazing research capabilities. Its use of interactive charts and tools (eg. calculators) are one of the strongest in the market
  • Fidelity have recently waived all service fees for its JISA accounts
  • There is no direct access to US shares on Fidelity, however you can purchase US funds
  • Fidelity won a Best Buy Pension in our 2021 Best Buy Awards, alongside a Best for Beginners and Best for Low-Cost Pension award
  • Fidelity has a recommend score of 62% from its customers. This is based on 235 reviews on the main Boring Money site as of 1st March 2021
  • Best for those who want a large brand which produces a lot of supporting content; better for fund research over shares; decent all-rounder

  • NB The fees illustrated are the admin fees only - your total costs will also depend on the costs of any investment funds you pick. 

£45.00

£450.00

Excellent service

Established company

Too pricey for larger portfolios

Costs - admin only

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  • Hargreaves Lansdown are the biggest providers in the market, with a market share of around 40% AUA and over 20% of all customers accounts
  • Its platform charge of 0.45% is one of the highest in the market
  • Customers often cite their excellent customer service and website as the key reasons for their loyalty
  • HL won a Best Buy Pension in our 2021 Best Buy Awards, alongside a Best for Digital and Best for Beginners Pension award
  • Hargreaves Lansdown has a recommend score of 77% from its customers. This is based on 572 reviews on the main Boring Money site as of 1st March 2021
  • Best for those who want a good app and a very efficient website - not the cheapest in town but can be the easiest to use 

  • NB The fees illustrated are the admin fees only - your total costs will also depend on the costs of any investment funds you pick. 

£76.00

£751.00

Truly mobile-first

Super engaging

Limited investment choice

Costs - admin+investments

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  • Fastest growing ISA robo-adviser in the market
  • Links with your bank account, rounds up change from purchases and automatically invests it
  • Slick account opening process and engaging mobile experience
  • Moneybox won a Best Buy ISA in our 2021 Best Buy Awards, alongside a Best for Beginners ISA, Best for Digital ISA and Best Customer Service award
  • Moneybox has a recommend score of 100% from its customers. This is based on 46 reviews on the main Boring Money site as of 1st March 2021
  • Best for people who want an easy solution without the investment detail too 'in their face' 

  • NB These costs are all-in - and include both the admin costs AND the underlying investment costs 

£69.00

£690.00

Really easy to use

Pre-packaged investments

The most established robo

Costs - admin+investments

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  • Nutmeg have four different categories of portfolios - this includes options for fully-managed and ethical portfolios
  • From an AUA perspective, Nutmeg are the largest robo-adviser in the market
  • Nutmeg provide strong analysis on the allocation of your portfolio as well as providing your portfolio with a detailed ESG score
  • Nutmeg won a Best Buy ISA in our 2021 Best Buy Awards, alongside a Best for Sustainable, Best for Beginners ISA and Best for Digital ISA award
  • Nutmeg has a recommend score of 83% from its customers. This is based on 150 reviews on the main Boring Money site as of 1st March 2021
  • Best for people who want to outsource the decision-making but to have some visibility too; good on sustainable investing

  • NB These costs are all-in - and include both the admin costs AND the underlying investment costs 

£73.00

£730.00

Brings pensions together

Nice, digital service

Limited investment choice

Costs - admin+investments

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  • Simple but clear range of investment plans, which also incorporate the preferences of more niche investors
  • Intuitive to navigate and constantly innovating
  • Planning to list on the London Stock Exchange in 2021
  • PensionBee won a Best Buy Pension in our 2021 Best Buy Awards, alongside a Best for Sustainable Pension, Best for Beginners Pension, Best for Digital Pension and Best Customer Service award
  • PensionBee has a recommend score of 92% from its customers. This is based on 356 reviews on the main Boring Money site as of 1st March 2021
  • Best for people who want to consolidate various pensions pots together and to get a better handle on pensions moving forwards 
  • NB These costs are all-in - and include both the admin costs AND the underlying investment costs 

£15.00

£150.00

Low cost

No access to shares

Straightforward investments

Costs - admin only

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  • Cheapest platform fee in the market of 0.15%
  • Can only buy Vanguard funds or ETFs on this platform
  • Can purchase one of the famous LifeStrategy range for an all-inclusive charge of 0.41%, which is cheaper than Hargreaves Lansdown's platform fee alone
  • Vanguard won both a Best Buy ISA and Best Buy Pension in our 2021 Best Buy Awards, alongside a Best for Beginners and Best for Low-Cost award
  • Vanguard has a recommend score of 86% from its customers. This is based on 87 reviews on the main Boring Money site as of 1st March 2021
  • Best for people who want a no frills, simple, low-cost 'set and forget' solution 

  • NB The fees illustrated are the admin fees only - your total costs will also depend on the costs of any investment funds you pick. 

£76.00

£760.00

Really easy to use

Invest from only £1

Great website and design

Costs - admin+investments

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  • One of the fastest growing robo-advisors in the market
  • Owned by large life company, Aviva
  • Provides ethical investment portfolios
  • Wealthify won a Best Buy ISA in our 2021 Best Buy Awards, alongside a Best for Beginners ISA, Best for Sustainable ISA, Best for Digital ISA and Best for Customer Service award
  • Wealthify has a recommend score of 88% from its customers. This is based on 58 reviews on the main Boring Money site as of 1st March 2021
  • Best for less confident investors who want a slick easy digital experience with minimum fuss - and the comfort of a large corporate mummy behind the scenes! 

  • NB These costs are all-in - and include both the admin costs AND the underlying investment costs 
Correct as at March 2021. These providers have been awarded our Boring Money 2021 Best Buys for ISAs and/or pensions. To see a fuller list of providers, including all customer reviews and our fuller independent analysis please visit our main site boringmoney.co.uk

 

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