• Investing my money can help me achieve my future goals

  • Start investing - make more of your money

    The world of investments can seem complicated. We're here to make things straightforward.

    There are probably lots of things you want to do with your money. Perhaps you want to put your children through university, renovate your home, or build up a pot for emergencies. Whatever your plans, investing your money could help you to achieve your goals.
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    Investing: the basics

    Before you invest, it's a good idea to work out:

    • What you want to achieve
    • How much you can afford to invest
    • How long you want to invest for

    You should also consider how much risk you're prepared to take - this is because all investments carry an element of risk. This includes things like market risk, where changes in markets cause the value of your investment to rise and fall, and inflation risk, where the real value of your investment falls because it doesn't grow in line with rising prices. A financial adviser can help you think through these points, and recommend a suitable product.

  • A choice of products to consider

    • Pension: a way of investing that gives you an income or a lump sum or both when you retire
    • International investment: a tax-efficient investment held outside the UK
    • Investment bond: an investment that can adapt as your needs change

    Once you've chosen which product is right for you, you and your adviser can decide how the money in that product should be invested.

    Consider your aims and attitude to risk

    Whatever you decide, we offer a range of investments that cater for most attitudes to risk.

    You can then see how your investment performs over time, and make changes together with your adviser to make sure you stay on track.

    • If you're looking for lower-risk investments, you might decide to invest in cautious assets such as bonds and money markets.
    • If you want to take more risks with your money and aim for higher growth, you might invest in something more volatile such as equities.

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    Need financial advice?

    Our products are only available through a financial adviser. If you don't already have an adviser, we can help you to find one.

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    Planning for retirement?

    If you're coming up to retirement, we can help you consider your options and what to expect.

  • Please bear in mind

    Remember that the value of an investment can go down as well as up. It's not guaranteed, which means you could get back less than you originally paid in.