The Best ISA Investment Funds December 2021 | moneyfacts.co.uk

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Derin Clark

Derin Clark

Online Reporter
Published: 22/12/2021

On Monday UK shares fell as concerns around increasing cases of the Omicron coronavirus impacted the market. Towards the middle of the week, however, the UK FTSE 100 and FTSE 250 both started to recover.

The summaries below show the overall best performing ISA funds in December 2021. Please remember that past performance is no guarantee of the future.

Top ISA unit trust funds

Rank Fund Ranking last month Value of £1,000 lump sum over one year Value of £1,000 lump sum over five years (rank) Investment platform
1 L&G Global Tech Index R Acc 84 £1,392.79 £3,404.52 (2) Speak to a financial adviser
2 Guinness Global Energy B Ret USD 1 £1,380.46 £694.52 (770) Interactive Investor
3 Consistent Opp UT Inc 4 £1,376.45 £1,476.78 (269) Interactive Investor
4 Slater Rec A Acc 27 £1,331.40 £2,265.04 (19) Speak to a financial adviser
5 Aviva Inv UK Smlr Cos SC 1 Acc 19 £1,330.46 £1,960.61 (53) Speak to a financial adviser

Source: Lipper/Moneyfacts
Note: The table above is ordered by the best performance 1 December 2021 over the past 12 months. Funds may be available on other platforms not listed, through a stockbroking service or financial adviser.

 

The top performing ISA unit trust fund in December is L&G Global Tech Index R Acc which has risen from 84th place in last month's table. This fund aims to provide growth by tracking the performance of companies in the FTSE World Index for Information Technology activities. Investments made 12 months ago would now be worth £1,392.79.

Guinness Global Energy B Ret USD has dropped to second place this month, with a £1,000 investment 12 months ago now being worth £1,380.46. Moving up one position is the Consistent Opp UT Inc, with a £1,000 investment made 12 months ago now being worth £1,376.45. This fund primarily invests in UK equities and undervalued overseas opportunities with any income being paid bi-annually.

Entering the chart this month is Slater Rec A Acc, the value of a £1,000 investment made 12 months ago would now be £1,331.40. The fund’s main objective is to achieve capital growth, investing in companies mainly in the UK but also overseas as well.

Another new entrant, Aviva Inv UK Smlr Cos SC 1 Acc finishes off the chart, investments made 12 months ago would now be worth £1,330.46. This fund aims to grow investments over a long term by investing in shares of small UK companies.

The unit trust funds delivering the best returns on a £1,000 investment over five years were:

  1. Baillie Giff Amer A Acc
  2. L&G Global Tech Index R Acc
  3. AXA Fram Glbl Tech R Acc
  4. Herald Worldwide Technology A
  5. JH Global Technology A Acc

Top ISA investment trust funds

Rank Fund Ranking last month Value of £1,000 lump sum over one year Value of £1,000 lump sum over five years (rank) Investment platform
1 Dunedin Enterprise Inv Tst 23 £1,476.10 £2,755.53 (10) Speak to a financial adviser
2 Montanaro Eur SmCom 32 £1,472.74 £3,853.26 (4) Speak to a financial adviser
3 Chelverton SCmDvTrstPLCOrd25p 2 £1,465.22 £1,382.30 (88) Interactive Investor
4 SL Private Equity Trust PLC 5 £1,457.40 £2,234.40 (18) Speak to a financial adviser
5 BlackRock Greater Euro IT 8 £1,410.66 £2,860.77 (7) Speak to a financial adviser

Source: Lipper/Moneyfacts
Note: The table above is ordered by the best performance 1 December 2021 over the past 12 months. Funds may be available on other platforms not listed, through a stockbroking service or financial adviser.

 

Dunedin Enterprise Inv Tst is this month’s top performing investment trust fund offering a fund value of £1,476.10 which slightly down from last month’s £1,510.90.

Montanaro Eur SmCom enters the chart at second place, with the fund investing primarily in quoted European smaller companies with a market capitalisation under £3bn. Investments made 12 months ago would now be worth £1,472.74.

Moving down from second to third place this month is Chelverton SCmDvTrstPLCOrd25p, with a £1,000 investment made 12 months ago now worth £1,465.22.

SL Private Equity Trust PLC is in at fourth place, whose objective is to achieve long term total returns through holding a diversified portfolio of private equity funds and direct investments into private companies. Investments made 12 months ago would now value at £1,457.40.

Finishing off the chart is BlackRock Greater Euro IT, offering a fund size of £1,410.66 with a £1,000 investment made 12 months ago. Their aim is to provide capital growth primarily through investment in a focused portfolio constructed from a combination of the securities of varied European companies.

The investment trust funds delivering the best returns on a £1,000 investment over five years were:

  1. Scottish Mortgage Investment
  2. Allianz Technology Trust PLC
  3. Pacific Horizon Investment Trust
  4. Montanaro Eur SmCom
  5. Polar Capital Technology Tst

Should savers open a stocks and shares ISA in 2021?

Inflation figures released this month show that during November inflation rose by 5.1%, with some finance experts now predicting inflation to reach 6% in April 2022. This prompted the Bank of England to increase base rate last week to 0.25%. Although a rise in base rate may be welcomed by savers hoping to see savings rates increase as a result, there is no guarantee that banks and building societies will pass this increase onto savers. As well as this, the top paying savings accounts in our charts are significantly lower than the current rate of inflation. An option for savers who are happy to accept some risk may be to invest in a stocks and shares ISA instead. A stocks and shares ISA can be a good investment option as investors do not need to pay tax on the returns generated (up to a maximum deposit of £20,000 each tax year). Investment in stocks and shares has outperformed cash savings over the longer term, but the downside of these investments is that the value of these can change over time as markets rise and fall, and investors’ capital is at risk.

Featured: stocks and shares ISA providers

Provider Min monthly investment Number of funds available  
Interactive Investor £25 3,000 plus Find out more
Barclays Smart Investor £0 2,000 plus Find out more
Foresters Friendly Society £50 1 Find out more
BMO Asset Management £50 10 Find out more

 

 

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The value of investments can go up as well as down, and investors’ capital is at risk. Management fees have been included in this article, but other fees may apply. Investors should check all fees with their financial adviser, investment platform or provider before making any investment.

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