Investing money needs careful consideration and you need to be absolutely sure of the risks involved. This section provides generic information on different types of saving & investment. You should seek advice appropriate to your specific circumstances prior to making any decisions.

Asset-backed Investments

There are many different asset-backed investments open to the individual investor. Each type has own specific risks, benefits and taxation treatment.

Investment Overview

This at-a-glance guide is intended to give you a quick snapshot of a range of different investment vehicles available.

Platforms

A platform brings together your investments and pensions online, allowing you to view them in one place – a bit like online banking.

Individual Savings Accounts (ISAs)

Under the so-called ‘New ISA’ (or NISA), Cash ISAs and Stocks and Shares ISAs have effectively been merged. For the 2017/18 tax year the ISA allowance has increased from £15,240 to £20,000

Deposit Based Investment

There are various deposit-based investment vehicles available. Many customers will have money on deposit either with a bank or building society.

The value of investments and any income from them can fall as well as rise. You may not get back the amount originally invested.