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

  • 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 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.
  • The value of investments can go down as well as up and isn’t guaranteed. You could end up with less than you invested.

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