With over 4,000* 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 August 2019.

Choosing investments

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 think about the things that are most important when deciding whether an investment is 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 your investment could fall, and you might get back less than you invest.

Different ways to invest

We offer a number of different ways to save, including a stocks and shares ISA, a general investment account (GIA) and a pension.

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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). You have access to a wide range of investments and can invest a regular monthly amount, a lump sum – or both.

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General investment account

A GIA is a way to save for the medium to long term (at least five years, ideally longer), which 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 investments and can invest a regular monthly amount, a lump sum – or both.

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Pensions

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.

An intermediary, such as a financial adviser, can talk you through the pension options we offer.

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 or financial adviser if you have one, or find out more about the services they offer if you don't.

Important information

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.

If investing in a pension plan, you won’t be able to access your money until age 55 at the earliest.

The favourable tax treatment of pensions and ISAs may not be maintained in the future and is subject to changes in legislation. The benefit of the tax treatment depends on individual circumstances. Capital gains tax may apply to the sale of assets under a GIA.

For full details of each fund, including their objective, charges, past performance and fund-specific risks, it's important that you read the Key Information Document (KID) or Key Investor Information Document (KIID) in conjunction with the fund factsheet. You can browse our fund research centre using the button below.