{"id":470676,"date":"2023-04-03T14:24:04","date_gmt":"2023-04-03T13:24:04","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=470676"},"modified":"2026-07-13T13:06:07","modified_gmt":"2026-07-13T12:06:07","slug":"stocks-and-shares-isa-portfolio","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/stocks-and-shares-isas\/stocks-and-shares-isa-portfolio","title":{"rendered":"How to create a stocks and shares ISA portfolio"},"content":{"rendered":"<p>If you\u2019re looking to build wealth in the most tax-efficient way possible \u2013 creating an individual stocks and shares ISA portfolio that suits your goals and needs is a step in the right direction.<\/p><p>We\u2019re going to explain what you should think about when organising your investments. And, how to design the best stocks and share portfolio that meets your personal investing style.<\/p><h3>What is a stocks and shares ISA portfolio?<\/h3><p>This is your tax-efficient account that holds all your investments together in one place. The ISA itself is your account and then your portfolio will be made up of the investments that you hold within the tax wrapper.<\/p><p>S&amp;S ISAs come with some fantastic benefits, protecting your investment income and gains from capital gains and dividend tax. If you\u2019re a UK investor, it\u2019s well worth using a stocks and shares ISA because it will allow you to create more wealth for yourself over the long term, reducing your tax responsibilities. This also means less paperwork as you don\u2019t have to report your ISA portfolio investments to HMRC.<\/p><h3>Types of stocks and shares ISA portfolios<\/h3><p>One of the best things about stocks and shares ISA accounts is the flexibility. If you pick the right platform, the investment possibilities for your portfolio are limitless. Well, not literally but there\u2019s a lot of choice. The great thing about all of the options is that you can create a stocks and shares ISA portfolio that reflects your personal style of investing.<\/p><p>Here are a few examples of S&amp;S ISA portfolios to give you an idea how it might look based on different risk profiles:<\/p><h4>Low risk<\/h4><ul><li>30% Equities \u2013 blue-chip stocks, broad market index funds like the FTSE 100, dividend stocks.<\/li><li>70% Low-risk assets \u2013 government bonds, property, cash.<\/li><\/ul><h4>Medium risk<\/h4><ul><li>50% Equites \u2013 same as above but also include some more growth-focused options like growth stocks and perhaps some actively managed investment trusts.<\/li><li>50% Lower-risk assets \u2013 same as above but also some corporate bonds and perhaps something like a REIT (Real Estate Investment Trust).<\/li><\/ul><h4>High risk<\/h4><ul><li>70% Equities \u2013 including all of the above plus investments from both developed and emerging markets, along with perhaps some small cap stocks, tech stocks, or higher-risk thematic ETFs or investment trusts.<\/li><li>30% Other assets \u2013 including all of the above plus some commodity exposure and riskier higher-yield bonds.<\/li><\/ul><p>Typically, the higher the risk, the great the potential reward. But, this can also work in the opposite direction. Opting for a riskier portfolio can lead to greater losses. It\u2019s all about finding the right balance. Whichever way you decide to invest, keeping a long-term mindset is the best possible way to improve your odds of being successful.<\/p><h3>How to build a stocks and shares ISA portfolio<\/h3><p>Here are some straightforward steps you can follow to get yourself set up with an account and create the best stocks and shares ISA portfolio for your individual needs as an investor:<\/p><ol><li><strong>Think about your goals.<\/strong> your first step is to consider what you want to achieve with your investments. This may depend partly on your age or stage of life. But you should also take some time to think about whether you\u2019re looking for growth or a regular income.<\/li><li><strong>Understand your appetite for risk.<\/strong> once you\u2019ve thought about your overall goals and what you want from your portfolio, the next step is to become comfortable with your risk appetite. This is a completely personal choice and there\u2019s no \u2018right\u2019 level of risk for everyone.<\/li><li><strong>Research investments.<\/strong> now that you have a better understanding of your own investing style, it\u2019s time to research different types of investments to hold in your stocks and shares ISA portfolio that meet your needs.<\/li><li><strong>Decide an approach.<\/strong> if you don\u2019t want to pick your own investments with a DIY approach, you can always consider a stocks and shares ISA robo-advisor. These platforms will build and manage a portfolio for you based on your risk profile.<\/li><li><strong>Choose an ISA provider.<\/strong> after deciding what sort of investments you want in your stocks and shares ISA portfolio, you need to find an investment platform that gives you access to all the options you want (ideally a brokerage with low fees to keep your costs down).<\/li><li><strong>Invest and monitor.<\/strong>  you can start investing into your stocks and shares ISA portfolio with a lump sum or regular payments (within your \u00a320,000 yearly allowance). Make sure you remember to stay diversified and occasionally monitor your portfolio to keep on track.<\/li><\/ol><div class=\"eeQuote box u-rounded--lg source-finder type-expert\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 25.3187C0.686788 23.9121 0 21.8661 0 19.1808C0 16.3037 0.749223 13.043 2.24767 9.3986C3.74611 5.75424 5.83769 2.62138 8.52241 0L13.1114 3.54845ZM30.8762 3.54845C29.8148 5.01898 28.9095 6.64935 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<div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Our expert says: Should I pick my own investments or use a ready-made Stocks and Shares ISA?<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"Choosing between picking your own investments or opting for a ready-made stocks and shares ISA comes down to whether you want to be the chef or be the one getting served. Both paths can grow your wealth over the long term, but they require different amounts of your time, skill, and confidence.<\/p><p>If you prefer a hands-off approach, a ready-made ISA allows you to select a risk level that matches your comfort zone while experts handle the heavy lifting. It is the ultimate \u201cset-and-forget\u201d option, though you will generally pay slightly higher fees for the convenience.<\/p><p>On the flip side, a DIY ISA gives you complete control to build a bespoke portfolio of individual stocks, funds, and ETFs. This route can be significantly cheaper because you bypass management fees, but the responsibility sits squarely on your shoulders to keep your portfolio balanced and diversified. \"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"George Sweeney, DipFA's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/GeorgeSweeneyF1_Finder_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/GeorgeSweeneyF1_Finder_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/GeorgeSweeneyF1_Finder_600x600.png?fit=360 360w, 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class=\"eeQuote__authorDetails\">\n                                                    <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/georgesweeney\" itemprop=\"url\" target=\"_blank\">\n                                George Sweeney, DipFA\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Deputy editor<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h3>Bottom Line<\/h3><p>Deciding how you want to invest, and creating your very own stocks and shares ISA portfolio is an exciting step. There\u2019s no perfect way to create a portfolio because it will largely be down to you as an individual. Luckily, there\u2019s loads of investment options and platforms to choose from. So you should be able to find and hold investments that fit your needs.<\/p><p>Just remember, there\u2019s no single \u2018best\u2019 stocks and shares ISA portfolio. It\u2019s all about finding the right investments to suit your investing goals, time horizon, and attitude towards risk.<\/p><p>If you\u2019re looking for a stocks and shares ISA, have a look at <a href=\"https:\/\/www.finder.com\/uk\/stocks-and-shares-isas\">our table<\/a> to compare them.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How many stocks and shares ISA portfolios can I own?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>As many as you have ISA accounts. Technically, there\u2019s no limit. However, you\u2019re only able to open and pay into one new stocks and shares ISA each tax year. So, this will naturally limit how many you can own. It\u2019s important to be diversified, but you don\u2019t want to have loads of separate portfolios with inconsistent goals. It\u2019s worthwhile deciding on solid investment strategy and then sticking to it. You can always adjust course later.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">What should I have in my S&amp;S ISA portfolio?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The answer to this is something you\u2019ll have to figure out for yourself. You can find plenty of inspiration online. Or, consider using a robo-advisor platform that picks your investments for you. Remember, your stocks and shares ISA portfolio should reflect your personal investing style and financial situation.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">How safe is it?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>All legitimate ISA providers in the UK will be regulated by the FCA. But, when it comes to investing, the value of your portfolio may rise or fall. The riskier the options you go for, the increased likelihood you could make a loss. Yet, high-risk investments can also lead to the greatest rewards. It\u2019s important to take some time to asses your personal attitude towards risk and craft your portfolio accordingly.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Can I transfer my portfolio to another provider?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, it can be possible to transfer your stocks and shares ISA. However, it will depend on the provider you want to move too, and if they accept incoming transfers. Also, if your new provider doesn\u2019t have access to the same investments, you may have to make it a cash transfer between ISAs and then pick a new portfolio.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">What is the best performing stocks and shares ISA?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>There\u2019s no direct answer to this. The performance of your stocks and shares ISA portfolio will depend on the investments you hold in the account. But, if you want to maximise the possibilities of the best returns over time, it\u2019s worth using a cheap platform that has low share dealing fees and minimal ongoing costs.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><style type=\"text\/css\">\n    .survey-response {\n        overflow-x: auto;\n        max-width: 800px;\n    }\n\n    .survey-response .luna-table th,\n    .survey-response .luna-table td {\n        padding: 0.3rem 1rem calc(0.20rem + 1px);\n        font-size: 12px;\n        color: rgb(117, 117, 117);\n        text-align: left;\n    }\n\n    .survey-response .luna-table {\n        border: none;\n    }\n\n    .survey-response .row-color-icon {\n        width: 10px;\n        height: 10px;\n        display: inline-block;\n        margin-right: 4px;\n        border-radius: 2px;\n    }\n\n    .survey-response .source-container {\n        top: -12px !important;\n        position: relative;\n    }\n\n    .survey-response .source {\n        color: rgb(108, 120, 129);\n        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class=\"luna-table__header\"><tr><th>Response<\/th><th><span class=\"row-color-icon\" style=\"background-color: #1D53FF;\"><\/span>55+<\/th><th><span class=\"row-color-icon\" style=\"background-color: #00B2FF;\"><\/span>45-54<\/th><th><span class=\"row-color-icon\" style=\"background-color: #FFD23B;\"><\/span>35-44<\/th><th><span class=\"row-color-icon\" style=\"background-color: #C3F53C;\"><\/span>25-34<\/th><th><span class=\"row-color-icon\" style=\"background-color: #B469FF;\"><\/span>16-24<\/th><\/tr><\/thead><tbody class=\"luna-table__body\" aria-live=\"polite\" aria-relevant=\"all\"><tr><td>No<\/td><td>52.35%<\/td><td>61.4%<\/td><td>51.69%<\/td><td>47.2%<\/td><td>45.63%<\/td><\/tr><tr><td>Yes<\/td><td>47.65%<\/td><td>38.6%<\/td><td>48.31%<\/td><td>52.8%<\/td><td>54.37%<\/td><\/tr><\/tbody><\/table><\/div><div class=\"source-container\"><span class=\"source\">Source: Finder survey by Censuswide of 1032 Brits, December 2023\t\t<\/span><\/div><\/div><div id=\"sources\" 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12:06:15\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated the guide with a new expert comment and refreshed the section about how to build your portfolio.\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[129662],"tags":[],"asset_tag":[],"class_list":["post-470676","post","type-post","status-publish","format-standard","hentry","category-stocks-and-shares-isas"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to create a stocks and shares ISA portfolio | Finder UK<\/title>\n<meta name=\"description\" content=\"Find out how you can create the best possible stock and shares ISA investment portfolio to suit your individual 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