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Featured - Account Types
What type of savings account do you need?Find out about the different types of savings accounts available to suit a variety of needs.
Savings
ISAs
Residential
Buy to let
Specialist mortgages
Featured - Debt and your credit score
How debt impacts your credit scoreA healthy credit score has its benefits, so make sure you manage your debt correctly.
Loans
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Life InsuranceFor peace of mind that your loved ones will be supported financially after you die, consider taking our life insurance. Find out more and compare policies.
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Health & travel
Featured - Switching deals
In need of a cash boost?Providers often entice new customers with cash incentives for moving current accounts. Compare deals and find out how to make the switch:
Current accounts
Featured - Purchase Cards
Best purchase credit cardsExplore the best cards with a 0% introductory period.
Credit cards
Credit repair
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Business savings
Business products
Business insurance
How much can I give as a cash gift?
How much can I give as a cash gift?Will your loved one's gift be tax affected?
Categories
Featured guides
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Most primary fund sectors returned a loss over the past 12 months.
The average stocks & shares ISA fund experienced a loss of 3.27% between February 2022 and February 2023, according to Moneyfacts research in collaboration with Lipper IM.
This should not be much of a shock considering the significant volatility felt across the markets over the past year, but it does emphasise the importance of keeping track of investments and ongoing fund performance.
In comparison, the Moneyfacts average cash ISA rate returned 1.71% in the same period thanks to increased competition in the sector and consecutive Bank of England (BoE) base rate rises.
In February last year, the base rate stood at 0.50% and has since followed eight further consecutive increases. Today, it stands at 4%.
In response, the average easy access cash ISA stood at 0.26% last February and has since increased to 1.85%.
Most primary fund sectors returned a loss over the past 12 months. The worst-performing stocks and shares ISA fund sector came from UK Index Linked Gilts, which lost more than 32% on average.
However, some sectors did experience growth, as Commodities and Natural Resources was the best-performing sector. It grew by over 24% on average for its investors.
Still, those considering stocks and shares must keep in mind that past performance is never guaranteed to be reflected in future returns, so it’s vital investors are comfortable with their level of risk.
Whether someone is savvy with investing in funds or just a beginner, it is always wise to seek advice and regularly review any risk profile.
Could you be hit with an unexpected tax bill? Learn more about how your Personal Savings Allowance could affect you this year.
Cash ISAs are traditionally a more popular choice among consumers, but some investors may well be reconsidering their attitude to risk in hopes of growing their pot over the longer-term.
Indeed, HMRC data showed a rise in the number subscribed to stocks and shares ISAs between 2020 and 2021, but Cash ISAs held the majority share.
Over more recent years, there have even been ISAs created to encourage consumers to save for a home or retirement, such as with a Lifetime ISA. The right ISA for any saver will come down to their individual needs and those considering stocks and shares must keep in mind that past performance is never guaranteed to be reflected in future returns, so it’s vital investors are comfortable with their level of risk.
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Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time. Links to third parties on this page are paid for by the third party. You can find out more about the individual products by visiting their site. Moneyfactscompare.co.uk will receive a small payment if you use their services after you click through to their site. All information is subject to change without notice. Please check all terms before making any decisions. This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.
Each week the Moneyfactscompare.co.uk content team round up and discuss the very best savings rates available in the UK. Compare and apply today.
Top one-year returns fall below 5.00% AER following Autumn Budget announcement.
The Moneyfacts Pick of the Week showcases the best of the latest products or rate changes to hit the consumer finance market.
This week's selection includes a new leading easy access ISA from Moneybox, and an increased three-year fixed ISA from Shawbrook Bank.
Each week the Moneyfactscompare.co.uk content team round up and discuss the very best ISA rates available in the UK. Compare and apply today.
Leading easy access ISA rate rises as attention turns to the Autumn Budget.
Each week the Moneyfactscompare.co.uk content team round up and discuss the very best savings rates available in the UK. Compare and apply today.
Top one-year returns fall below 5.00% AER following Autumn Budget announcement.
The Moneyfacts Pick of the Week showcases the best of the latest products or rate changes to hit the consumer finance market.
This week's selection includes a new leading easy access ISA from Moneybox, and an increased three-year fixed ISA from Shawbrook Bank.
Each week the Moneyfactscompare.co.uk content team round up and discuss the very best ISA rates available in the UK. Compare and apply today.
Leading easy access ISA rate rises as attention turns to the Autumn Budget.
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Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.
Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.
Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.
Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.