Stocks and Shares ISA Guide 2025 by Martin Lewis

Martin Lewis, a UK personal financial expert, offers crucial advice on MoneySavingExpert about Stocks and Shares ISAs. He helps investors make wise and cost-effective choices without supporting any one supplier.

What Martin Lewis Stock and Shares ISAs Say for 2025

Investing for 5 to 10 years (or more) is ideal with Stocks and Shares ISAs because short term returns can be impacted by market volatility. As with Cash ISAs, there can be an appreciation in the investment, but there is also a risk of depreciation, which means capital at risk. Unlike Cash ISAs, investments can rise or fall.

Lewis shares his views on the importance of low fees due to their erosion effect on profits over a sustained duration. Risk mitigation also necess spreading investments over different asset classes such as funds, bonds and stocks.

For quick access to funds, Cash ISAs are a safe option, but for sustained growth, Stocks and Shares ISAs provide better investment returns.

According to the principles of Martin Lewis, the best suggested Stocks and Shares ISAs in 2025 are:

1. Vanguard Stocks and Shares ISA
   • Access to a diversified index fund and ETF investment for long-term investors who prefer passive investing is available with Vanguard through low-cost investing which charges an annual fee of 0.15%.
2. Hargreaves Lansdown Stocks and Shares ISA
   • The ideal consumers of this service are those seeking a range of investment options, such as funds, shares, and exchange-traded funds (ETFs). Even though the fees are higher (0.45%), it is excellent for beginners and experienced investors due to strong research tools.
3. Moneybox Stocks and Shares ISA
   • Moneybox is perfect for new investors since it builds investments using round-ups and small deposits. Its easy-to-use app and managed portfolios that range from conservative to high-risk make investing easier for beginners.

How to Choose the Right Stocks and Shares ISA

For the year 2025, pay attention to the following when selecting an ISA:

• Fees – even a negligible difference can affect long-term growth.
• Investment options – some ISAs include only funds, while others include shares and bonds.
• Risk level – the volatility in the market determines how comfortable you are with the ISA.
• Ease of use – beginner-friendly platforms like Moneybox are app-based, while advanced traders prefer Hargreaves Lansdown.

Martin Lewis stresses that when properly utilized, a Stocks and Shares ISA is one of the most effective weapons for growing wealth.

Prioritize a longer-term strategy to increase returns, while ensuring low fees and diversifying your investments.

For a detailed breakdown of this year’s top investment platforms, read our Best Stocks & Shares ISAs in 2025 – Top Platforms Compared, Cash ISAs Overview and The Best Accounts and Rates and Lifetime ISA (LISA): Buy Your First Home or for Retirement– we analyze fees, investment options, and exclusive features to help you choose the perfect tax-efficient account for your portfolio.