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 pension products.

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Individual savings account (ISA)

Our stocks and shares 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 (GIA)

Our 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 a variety of needs.

A financial adviser can talk you through the pension products we offer.

If you're a new customer or you're not sure about the right option for you, please speak to a financial adviser – there may be a charge for this. If you don't have a financial adviser, you can visit Find a financial adviser and find out more about the services they offer.

Important information

  • Pension plans - you won’t be able to access your money until age 55 (increasing to age 57 on 6 April 2028).
  • Pensions and ISAs - the value of any tax benefits will depend on individual circumstances. The favourable tax treatment of ISAs may not be maintained in the future.
  • GIA - Capital gains tax may apply to the sale of assets under a GIA.
  • The value of an ISA, GIA or pension investment, and any income you take from it can fall as well as rise, isn't guaranteed and you could get back less than you invest.

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Aegon Retirement Choices and One Retirement

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