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them for 1,500, youve made a 500 gain. One is when the shares increase in value and then you reap a nice little profit when you sell them. Cavendish offers a discounted route to one of the most popular fund platforms - Fidelity - which offers the same thing for a higher fee. This means basic-rate (20) taxpayers will be able to earn 1,000 interest with no tax while higher-rate (40) taxpayers will be able to earn 500 interest with no tax. With do-it-yourself platforms, as you are executing everything yourself, you need to take all charges into account - including any platform fees, fund charges, trading charges and exit fees.

When looking at do-it-yourself platforms we've assumed you want to do some trades yourself and have done our comparisons to show which are best for frequent or infrequent traders. The main difference is that comprehensive insurance covers your car if it is damaged accidentally - even if it is your fault. However, dividend income received on shares held in a stocks shares ISA will be tax-free. It's not the most flashy website and doesn't offer a mobile app, so if this is something you're interested in, you could look at Interactive Investor below. Fund manager charge (also known as annual management charge). Be sure to check any exit fees with your current provider, but if you won't take too much of a hit by leaving, then in the long run it'll likely be cheaper to switch provider to one with lower fees. Of funds: 71 Account closure fee: 0 Do-it-for-me platforms These platforms are best for those who want all the hard work done for them and don't want the responsibility of making any investment decisions. Cheapest for frequent traders Cavendish Online Cavendish Online doesn't charge you for buying and selling funds and has low percentage based platform fees, so if you have a smallish amount of money (roughly under 25k) to invest, or want to do a lot of fund. You might then have to pay tax on that. Once you've filled out any forms, the transfer may take a few weeks. If you're saving over the short-term, it's wise not to take too much of a risk.

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