With around 5,000* investment options available, there’s a huge range to choose from - whether you’re looking to grow your savings, approaching retirement or taking an income.
*As at May 2018.
Whether you’re saving for retirement, a child’s education or your dream holiday, the funds you invest in can make a big difference to how your savings may grow. Find out more about some of the things to consider when choosing a fund.
Our short video will help you understand the things you should think about when choosing the investment options right for you.
Investing can help your savings grow over time, and can offer the potential for better returns than you can get with a bank account. However, this potential for better returns comes with a risk that, unlike money held in a bank account, the value of an investment could fall as well as rise, and you might get back less than you invest.
Different ways to invest
We offer a number of different investment options through intermediaries, these include a stocks and shares Individual Savings Accounts (ISA) and a general investment account (GIA), bonds and trusts.
Individual Savings Account (ISA)
An ISA is a tax-efficient way to save for the medium to long term (at least five years, ideally longer). Similar to a GIA, you have access to a wide range of investment opportunities and can invest a regular monthly amount, a lump sum – or both.
General Investment Account (GIA)
A GIA is a medium to long-term (at least five years, ideally longer) investment that could be a good option if you’ve used up your ISA allowance and don’t want to lock your money away in a pension. You have access to a wide range of investment opportunities and can invest a regular monthly amount, a lump sum – or both.
A pension is generally considered to be one of the best ways to save for retirement. We offer a choice of pension products designed to meet your needs.
It's important to remember that you don’t have to make any decisions on your own - there's lots of help available.
For more information, please speak to your intermediary if you have one, or find out more about the services they offer if you don't.
Documents you may need
Investments – The value of investments can fall as well as rise, and you might get back less than you invest.
Although there is no fixed term, you should be prepared to invest for at least five years, ideally longer and don’t tie yourself to a fixed end date.
Pensions - The value of investments can fall as well as rise, and the final value of your pension pot may be less than is invested into it.
The funds you will invest in with a pension plan are medium to long-term investments, unless the fund specifically targets a shorter time frame – for example, if it’s designed to facilitate regular income payments.
If investing in a pension plan, you won’t be able to access your money until age 55 at the earliest.
For full details of each fund, including their objective, charges, past performance, risk rating and fund specific risks, it is important that you read the fund Key Investor Information Document (KIID) and Fund Factsheet. You can find these by clicking on the Browse our fund research centre button below.