Top 10 best-selling ISA and SIPP funds of 2026

It has been a turbulent year so far. Global conflict, rising energy prices, political upheaval, and extreme weather have given investors plenty to worry about. Yet stock markets have remained remarkably buoyant.

So how have personal investors responded? Have they turned cautious, or are they still chasing the returns of riskier assets? Read on for the top 10 ISA and SIPP funds of 2026 or click on the links below for the best-selling ETFs and investment trusts.

• Read: Top 10 best-selling ETFs of 2026
• Read: Top 10 best-selling investment trusts of 2026

Global trackers

The popularity of passive investing has been on full display this year.

Fidelity Index World Fund, Vanguard FTSE Global All Cap Index, HSBC FTSE All World Index and Legal & General Global Equity Index Fund are top picks for ISA and SIPP investors.  

These funds let you hold companies around the world for a relatively low fee: they have ongoing charges of between just 0.12% and 0.23%.

• Read: Which global index fund is best for you?

It is easy to think that all global tracker funds are the same, but they’re not. The Vanguard fund is more diversified than many, investing in developed and emerging markets. Its top 10 holdings represent just over a fifth of the total portfolio, and it charges more for this level of diversification.

In contrast, the Fidelity fund focuses exclusively on developed markets, and its top 10 holdings represent 27% of the total portfolio. The HSBC and L&G funds sit somewhere in between.

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Cash

For a while, it seemed like cash would take a back seat this year. However, conflict in the Middle East is stoking fears about inflation, meaning interest rates are still high. 

Investors have been paying attention. The Fidelity Cash Fund and the Royal London Short Term Money Market Fund are both favourites this year, and both yield close to 4%. 

Money market funds - also known as cash funds - act a bit like variable-rate savings accounts. They are very low risk and aim to track UK interest rates. They do this by investing your money in things like government debt and bonds from reputable companies. Savers’ money is pooled with other investors and used to purchase these assets.

• Read: Where next for interest rates?

The trajectory of interest rates has changed since the Middle East conflict. At the start of 2026, people thought the Bank of England would cut the base rate this year. However, it has been held at 3.75% since last December and traders expect a hike by the end of the year. The return you can get from low-risk money market funds is looking more attractive, therefore.

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Income hunters

Personal investors are seeking income in other places too, with Fidelity Global Dividend Fund and Artemis Global Income Fund making it onto this year’s best-sellers list.

Fidelity Global Dividend Fund is actively managed and targets companies with healthy yields underpinned by rising earnings. The portfolio is spread across a variety of sectors and countries, offering a good level of diversification (the US represents less than a quarter of the fund). It also aims to be less volatile than the wider market, which may be attractive in today’s unpredictable world.

Artemis Global Income underweights the US too. It is heavily weighted towards the financial sector and seeks out companies that are often ignored by other investors. It does hold some tech companies as well, but the management team notes that the sector isn’t a rich source of dividends. 

The fund stands out for its recent success - and for its focus on lesser-known companies. It has recently reshuffled its portfolio, taking some profits in chipmakers, miners and defence contractors and using the proceeds to add new positions in more defensive areas such as pharmaceuticals and food producers. 

Tom’s picks

At the start of the year, Fidelity’s investment director Tom Stevenson published three fund picks for 2026: Dodge & Cox Worldwide - Global Stock, Fidelity Special Situations, and Lazard Emerging Markets. All three are best-sellers this year. 

• Read: Tom Stevenson's fund picks for 2026

The funds offer different ways to diversify your portfolio away from America’s Big Tech scene. Dodge & Cox is a value-focused fund with a wide range of holdings. Only half the portfolio is invested in the US - well below a neutral weighting - while Europe, the UK and emerging markets are over-represented.

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The fund doesn’t shun technology entirely. Its largest stake is in Taiwan Semiconductor Manufacturing Company (TSMC), the world’s biggest chip maker. However, Alphabet and Microsoft are the only ‘Magnificent Seven’ stocks to appear in the fund’s top holdings, as of August.

Its portfolio is fairly concentrated with 95 holdings, and it is at the riskier end of the spectrum. As such, it is more suitable for investors with a long time-horizon of ten years or more.

Fidelity Special Situations also hunts for cheap stocks, but it has its eyes squarely on the UK market. Fund manager Alex Wright has years of experience seeking out London-listed companies going through tough times. The portfolio is skewed towards medium- and smaller-sized businesses, but big names like Lloyds and Aviva feature among its top holdings too. It currently leans towards industrial stocks, and the consumer discretionary sector.

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Last up: Lazard. Lazard Emerging Markets mainly invests in Asia and Latin America and looks for companies that are cheaper than the market but with better fundamental prospects. It aims to outperform the MSCI Emerging Markets Index with less volatility.

Crucially, the fund is wary of some of the Asian mega-caps, which have been extremely volatile of late. It doesn’t currently hold Samsung, for example, and underweights TSMC and SK Hynix. Fund manager James Donald has expressed nervousness about how the artificial intelligence story is unfolding.

‘Ready-made’ retirements 

It’s not all about equities. The Fidelity Multi Asset Allocator Growth Fund is a hit with SIPP customers this year - and has gained traction with ISA investors this summer. 

This multi-asset fund forms the basis of Fidelity’s Retirement Builder and is a fuss-free investment option for customers who want stable growth and a diversified portfolio.

The fund is split roughly 60/40 between higher-risk assets like shares and lower-risk assets like bonds. By spreading their money across different asset classes, investors are hoping for less volatility and smoother returns over the long term.  

Retirement Builder is designed to be medium-risk and low-cost, and suits customers who want to grow their pension but don’t know where to get started.

Best-selling ISA funds of 2026

1. Fidelity Index World Fund
2. Lazard Emerging Markets Fund
3. Fidelity Cash Fund
4. Artemis Global Income Fund
5. Vanguard FTSE Global All Cap Index Fund
6. Royal London Short Term Money Market Fund
7. HSBC FTSE All World Index
8. Legal & General Global Equity Index Fund
9. Dodge & Cox Worldwide - Global Stock Fund
10. Fidelity Global Dividend Fund

Source: Fidelity International. Net ISA sales 1 Jan to 30 September 2026 for Personal Investors only.

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Best-selling SIPP funds of 2026

1. Royal London Short Term Money Market Fund
2. Fidelity Cash Fund
3. Fidelity Index World Fund
4. Fidelity Multi Asset Allocator Growth Fund
5. Vanguard FTSE Global All Cap Index Fund
6. Lazard Emerging Markets Fund
7. Artemis Global Income Fund
8. HSBC FTSE All World Index
9. Fidelity Special Situations Fund
10. Legal & General Global Equity Index Fund

Source: Fidelity International. Net SIPP sales 1 Jan to 30 September 2026 for Personal Investors only

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• Read: How to create a retirement salary
• Read: 5 stocks to watch in October
• Read: How high can bond yields go before stocks suffer?

Important information - investors should note that the views expressed may no longer be current and may have already been acted upon. Before investing into a fund, please read the relevant key information document which contains important information about the fund. Eligibility to invest in a SIPP or ISA and tax treatment depends on personal circumstances and all tax rules may change in the future. Withdrawals from a SIPP will not normally be possible until you reach age 55 (57 from 2028). Overseas investments will be affected by movements in currency exchange rates. Investments in emerging markets can be more volatile than other more developed markets. Reference to specific securities should not be construed as a recommendation to buy or sell these securities and is included for the purposes of illustration only. There is a risk that the issuers of bonds may not be able to repay the money they have borrowed or make interest payments. When interest rates rise, bonds may fall in value. Rising interest rates may cause the value of your investment to fall. An investment in a money market fund is different from an investment in deposits, as the principal invested in an money market fund is capable of fluctuation. Fidelity’s money market funds do not rely on external support for guaranteeing the liquidity of the money market funds or stabilising the NAV per unit or share. An investment in a money market fund is not guaranteed. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to one of Fidelity’s advisers or an authorised financial adviser of your choice.