• What investment products should I choose?

    It’s well worth taking the time to think about what you really want from your investments.

    We all have individual needs and investments goals, so it’s worth putting some time aside to consider your future needs.
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    When you start investing, you have different types of products to choose from:

    • Individual Savings Account (ISA) - a tax-efficient way of investing
    • Investment bond - an investment that can adapt as your needs change
    • International investment - a tax-efficient investment held outside the UK
    • Pension - a way of investing that gives you an income or a lump sum or both when you retire.
  • A choice of investments

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    Investment bond

    An option to invest for at least 5 to 10 years. You can take out up to 5% each year with no immediate tax to pay.

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    International investments

    Investing abroad can allow you to invest more tax-efficiently, and to take advantage of investment opportunities outside the UK.

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    Pensions

    There are lots of ways to invest for later life, and lots of ways to take your money out again when you get there.

  • Do I need an adviser?

    Our products are only available through a financial adviser. An adviser can also help you decide what investments to choose. If you don't already have an adviser, we can help you to find one.
  • Please bear in mind

    Please remember that the value of your investments can go down as well as up. It is not guaranteed, which means you could get back less than you originally paid in. Tax and legislation may change and the information above is our interpretation of current law and HMRC rules. The value of any tax benefits will depend on your circumstances.