Interactive Investor

ii Trading Account plus ISA charges over time - how we worked it out

We partnered with independent experts at The Lang Cat to develop the value comparisons. We used the following criteria to find out how investing in an ii Trading Account plus an ISA with ii's fair flat fees compares with other providers.

More of your money for you

Analysis of charges and impact on portfolio values

Our analysis compares the potential impact of ongoing administration fees and trading charges for an ii Trading Account (General Investment Accounts) plus a Stocks & Shares ISA on our Investor plan. This is based on returns over a 30 year period for an individual with the profile described below. We assumed that investment charges, rates of investment growth and rates of inflation were the same across the board. The examples are not illustrations of what you might get back. This will always depend on your personal circumstances.  Investment returns go down as well as up and you may get back more or less than any figure illustrated.

Total Trading Account plus a ISA value after 30 years


Total Portfolio Value

Difference vs ii

Interactive Investor (Investor plan)



Hargreaves Lansdown



AJ Bell



Fidelity Personal Investing



Barclays Smart Investor



Total charges after 30 years


Total Charges

Difference vs ii

Interactive Investor (Investor plan)



Hargreaves Lansdown



AJ Bell 



Fidelity Personal Investing



Barclays Smart Investor



Typical investor

For all example comparisons, our analysis assumes:

  • A typical investor aged 35 with a combined account value of £100,000 (an accumulated ii Trading Account value of £50,000 and an accumulated ISA value of £50,000)
  • Over a 30 year investment lifecycle, annual gross subscriptions of £10,000 have been added to the ISA
  • Two buy and two sell trades in each year per account (8 trades total for both accounts), with associated dealing charges included
  • Equal split in funds (Open Ended Investment Companies) and shares.

The investment returns reflect the following charges:

  • Administration fees
  • Dealing costs (assuming online transactions only)
  • Fund manager charges, known as the Ongoing Charges Figure.

All competitor charges were taken from their published fees correct as at 1 September 2023. In the summary tables above, charges and portfolio values have been rounded to the nearest £100 for illustration purposes.

Ongoing Charges Figure (OCF)

  • The analysis assumes a typical portfolio of active funds, with an average OCF of 0.66%.
  • This OCF is taken from the investment each year, not from your ii Trading Account or ISA.
  • The typical OCF used is the average fee charged by the active funds (not investment trusts) making up the ii Super 60 range, as published in their Key Investor Information Documents in October 2020. Each provider shown may offer a different range of investments.

Investment returns

For all comparisons shown, the Lang Cat assumed:

  • Future investment growth will be at 5%. This is for illustration only and is not guaranteed. Investment returns can go down as well as up.
  • An inflation rate of 2.00% throughout the period. Inflation is applied to regular contributions and to instances of fixed fees, but not used to adjust final projected values.