ISA Performance Checker

This tool compares the performance of ready-made portfolios and ‘Quick Start’ funds within Stocks and Shares ISAs (sometimes known as Investment ISAs).

A ready-made portfolio (RMP) is a mix of investments that has been selected by an expert to help get you started as an investor without needing to research thousands of different stocks, bonds and other options yourself.

You can think of it like a ready-meal that just needs to be put into the oven, rather than a meal that needs to be prepared from scratch using raw ingredients.

Some providers (such as J.P. Morgan Personal Investing, NatWest, Santander, and Wealthify) only offer ready-made portfolios. If you’re invested in an ISA with those providers, you’ll definitely be invested in a ready-made portfolio.
Other providers offer you the choice between selecting individual stocks, funds and bonds (as well as other assets sometimes) for yourself, or picking a ready-made portfolio. On these platforms, it’s possible to invest in both, so even if you have individual stocks in your portfolio, you may also have selected a ready-made option too.

Check the details of your portfolio within your account. Just to confuse things, it might not be labelled as a ready-made portfolio, so look out for:

Model portfolio
Managed portfolio
Multi-asset portfolio
Portfolio solution
Starter portfolio
Core portfolio
Simple portfolio

What defines a ready-made portfolio (RMP) is that it is put together by an expert, and contains a range of investments that result in your money being spread across many different assets – that’s known as ‘diversification’.

This tool also includes performance data for what are often marketed as ‘Quick Start Funds’. They are intended to do the same thing as RMPs – provide an easy, hands-off, one-click route to a diversified portfolio – so that’s why we’ve included them.

With a ready-made portfolio, the investment company chooses what goes into the portfolio for you. All you then have to do is choose whichever portfolio seems most suitable for your particular goals and how comfortable you are with risk.

A ready-made portfolio will contain a mix of different investments, which could be stocks, bonds, and funds (known as assets).

Decisions about asset allocation will be based on expert opinion on how to obtain the best possible balance between risk and return for different groups of people with different goals.

For example:

A “conservative” or “cautious” portfolio might largely consist of bonds, because they are considered lower risk investments. A “balanced” portfolio is likely to be a mix of stocks and bonds, and an “adventurous” portfolio will typically include the highest proportion of stocks, as they give more potential growth but are more volatile and so come with a higher risk of potential dips as well as rises.

Some providers will help you work out what your ‘risk profile’ is, so that you can be matched with a portfolio that is neither too risky or not risky enough to help you achieve your goals.

Firstly, it’s important to note that all data in this tool is past performance data. While historical performance figures can tell you how a portfolio or fund has performed in the past, it cannot be used to predict the future. Past performance is not a guarantee of future performance.

There are some providers who, according to the data in this tool, have been achieving greater success over the past few years. To see a full analysis of the data – and which brands topped the charts most often – visit this page.