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Annual charges Annual charges are what you pay each year for holding different investments with HL. Here's how they’re calculated.
Annual charges explained Your annual charge is how much you pay us to hold investments in each account. The investments you choose may have their own separate charges, which can be found on the investment's factsheet.
Your annual charge is a percentage of the value of your investments, calculated and collected each month.
What you pay may be different each month as your investments change in value.
This charge applies to each account separately.
Stocks and Shares ISA Funds What you pay is based on the value of your investments. Charges are calculated in bands: 0.45% each year on the first £250,000 of funds, 0.25% each year on the value of funds between £250,000 and £1m, 0.1% each year for funds between £1m and £2m, and no charge on the value of funds over £2m.
Value band Charge £0 - £250,000
0.45%
£250,000 - £1m
0.25%
£1m - £2m
0.1%
Over £2m
No charge
Other Investments Value Charge Any
0.45% (capped at £45 per year)
Fund and Share account Funds What you pay is based on the value of your investments. Charges are calculated in bands: 0.45% each year on the first £250,000 of funds, 0.25% each year on the value of funds between £250,000 and £1m, 0.1% each year for funds between £1m and £2m, and no charge on the value of funds over £2m.
Value band Charge £0 - £250,000
0.45%
£250,000 - £1m
0.25%
£1m - £2m
0.1%
Over £2m
No charge
Other Investments
SIPP Funds What you pay is based on the value of your investments. Charges are calculated in bands: 0.45% each year on the first £250,000 of funds, 0.25% each year on the value of funds between £250,000 and £1m, 0.1% each year for funds between £1m and £2m, and no charge on the value of funds over £2m.
Value band Charge £0 - £250,000
0.45%
£250,000 - £1m
0.25%
£1m - £2m
0.1%
Over £2m
No charge
Other Investments Value Charge Any
0.45% (capped at £200 per year)
Lifetime ISA Funds What you pay is based on the value of your investments. Charges are calculated in bands: 0.25% each year on the first £1m of funds, 0.1% each year on the value of funds between £1m and £2m, and no charge on the value of funds over £2m.
Value band Charge £0 - £1m
0.25%
£1m - £2m
0.1%
Over £2m
No charge
Other Investments Value Charge Any
0.25% (capped at £45 per year)
Junior SIPP Funds What you pay is based on the value of your investments. Charges are calculated in bands: 0.45% each year on the first £250,000 of funds, 0.25% each year on the value of funds between £250,000 and £1m, 0.1% each year for funds between £1m and £2m, and no charge on the value of funds over £2m.
Value band Charge £0 - £250,000
0.45%
£250,000 - £1m
0.25%
£1m - £2m
0.1%
Over £2m
No charge
Other Investments Value Charge Any
0.45% (capped at £200 per year)
Junior Stocks and Shares ISA There is no annual charge for holding investments in a Junior ISA.
Active Savings Account There is no annual charge for holding savings in an Active Savings Accounts.
Cash ISA There is no annual charge for holding savings in a Cash ISA.
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