Hargreaves Lansdown’s services are designed for investors who are happy making their own investment decisions. It is the UK’s largest investment platform for private investors, offering a broad range of investment tools and services, including ISAs, pensions, savings and investments, as well as a host of research and guidance tools to help you make informed investment decisions.
Its core mission is to build long-term client relationships by becoming a trusted partner and financial champion, ultimately helping you increase your financial security for the future.
If you choose to invest with Hargreaves Lansdown, you’ll gain access to thousands of funds, shares listed on the US, UK, European and Canadian stock exchanges, a range of ETFs, corporate and government bonds, and investment trusts.
With Hargreaves Lansdown, you can invest as follows:
Click here to learn more about the Hargreaves Lansdown Stocks and Shares ISA, including charges.
Click here for more information on the Hargreaves Lansdown Fund and Share Account, including charges.
Click here for more information on the Hargreaves Lansdown SIPP, including charges.
Click here to learn more about the Hargreaves Lansdown Lifetime ISA, including charges.
Click here to learn more about the Hargreaves Lansdown Junior ISA, including charges.
Hargreaves Lansdown offers an Active Savings service, which saves you the hassle of searching around for the best savings rates and moving your money from one savings account to another to help boost the interest you earn.
Typically, this would involve lots of form filling and lengthy application processes, but with Hargreaves Lansdown, you’ll have access to a broad range of savings products from a range of banks and building societies and can move your money with the click of a button.
Click here to find out more about Hargreaves Lansdown's Active Savings.
Hargreaves Lansdown’s Master Portfolios are ready-made investment portfolios designed to help kickstart your investment journey. They offer five example portfolios based on your aims and appetite for risk, but each portfolio can be fine-tuned to meet any specific goals you may have.
You can choose from a range of options, including Adventurous, Medium Risk, Conservative, Investing for Children or Investing for Income. Whilst each of the funds in the portfolios are professionally managed, it’s up to you to choose what portfolio best fits your needs. Investments can fall as well as rise in value so you could get back less than you put in.
Click here to learn more about Hargreaves Lansdown’s Master Portfolios, including charges.
Hargreaves Lansdown's Financial Advice service aims to help you gain confidence in your financial planning and decisions. You can make an initial advice query with an advisory help-desk consultant; then, you’ll be matched with an advisor best suited to your needs. They can help you with anything from meeting your goals and boosting your confidence to managing your income and expenditure after you retire. Please note there is a fee for financial advice.
Hargreaves Lansdown’s pension drawdown provides you with a flexible way to access your pension from the age of 55 (57 from 2028). You can usually receive up to 25% of your pension tax-free and upfront but can choose to invest the rest. The process usually starts with your pension provider and allows for greater control over your retirement planning and investment returns. But with drawdown, your pension value and income are not secure, so it could fall or even run out.
Hargreaves Lansdown allows you to compare annuities in one place so that you can maximise your retirement income for the future. You can receive a free annuity quote and begin buying annuities at any time from the age of 55 (57 from 2028) using the money in your pension. It offers a simple way to swap your pension savings for an income that is guaranteed for life. Annuities can’t normally be changed once set up, so it’s important to choose the right option for your circumstances.
When you open a Fund and Share Account with Hargreaves Lansdown, you'll get access to thousands of investment options, including UK and overseas shares, exchange-traded funds, investment trusts, bonds and more. You can also buy and sell shares through any Hargreaves Lansdown account such as an ISA or SIPP.
Opening an account takes just a few minutes and usually involves completing a short online form with your personal details. Once you have an account, trading is easy. Simply log in, select your shares, get a live price directly from the market and trade.
You can track your investments and create virtual portfolios with Hargreaves Lansdown's free watchlist feature, available on both website and mobile apps. Investments can fall as well as rise in value so you could get back less than you put in.
Click here to learn more about the Hargreaves Lansdown Fund and Share account.
Hargreaves Lansdown's wide range of investment services, financial advice and master portfolios means the platform is both beginner-friendly and suitable for the more advanced investor. There are several resources for beginners to read and refer to before making important investment decisions, and a Financial Advice Service to help you kickstart your investment journey and boost your confidence when managing your finances.
With Hargreaves Lansdown, charges vary depending on how you choose to invest.
Platform Fee: 0.45% (on the first £250,000); 0.25% (on the value between £250,000 and £1m); 0.1% (on the value between £1m and £2m); No charge (on the value over £2m)
Dealing Fee: No charge
Shares (including UK and overseas shares, Investment Trusts, ETFs, VCTs, gilts and bonds):
Platform Fee: 0.45% (capped at £45 per year in the ISA and £200 per year in the SIPP) - free in the Fund and Share Account.
Dealing Fee (online): £11.95 per deal reducing to £8.95 if 10 - 19 deals the previous month and further reducing to £5.95 if 20+ deals the previous month
Regular Investments: £1.50 per deal
Other charges may apply - visit HL’s website for more information on the various charges.
With Hargreaves Lansdown, you are charged fees per account as opposed to the combined amount you have invested across the platform. For ISAs, SIPP and Fund accounts, this fee is 0.45% for investments up to £250,000 for funds. Your fees decrease as your investments increase, and there are no charges on the portion of investments exceeding £2 million. For shares the charge is 0.45%, capped at £45 per year for ISAs and £200 per year for SIPPs. It’s free to hold shares in the HL Fund and Share Account.
Visit HL’s website for more information on the various charges when using Hargreaves Lansdown’s services.
Yes, Hargreaves Lansdown is authorised and regulated by the Financial Conduct Authority (FCA). Have a look at its permissions on the FCA Register.
Hargreaves Lansdown investors are also covered by the Financial Services Compensation Scheme (FSCS) protection, which means that your assets are protected up to £85,000 per person.
This means you can get your money back if Hargreaves Lansdown were to go bust. Keep in mind that the FSCS does not cover losses arising from the performance of any of your investments.
Offers vary - please check their website for details of any current offers.
Leave a review for Hargreaves Lansdown! When you write a review, we use the data to tell you and many others about the best financial products.
Interactive Investor has over 40,000 investments to choose from, including UK and overseas shares, funds, investment trusts, and ETFs. You get a free trade every month, which you can use to buy or sell any investment. Interactive Investor's services include Trading Account, Stocks and Shares ISA, SIPP and Junior ISA.
Visit: Interactive Investor
AJ Bell Youinvest has thousands of investments for you to choose from, including shares, funds, investment trusts, and ETFs. And you can manage them online or with its mobile app. If you need help choosing, it has four ready-made portfolios and other investment ideas.
Visit: AJ Bell Youinvest
Every month, we'll send you The Plug - a curation of the best personal finance content in the UK. We share real-life stories, how-to guides, top personal finance news, popular community questions, and tips to help you stay on top of your money.