Investments

Investment Overview

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.


The value of investments and the income they produce can fall as well as rise. You may get back less than you invested. 


Tax treatment varies according to individual circumstances and is subject to change. 


Investors do not pay any personal tax on income or gains, but ISAs do pay tax on income from stocks and shares within the funds.

Asset-backed Investments

Different types of asset-backed investments include:


  • Shares
  • Gilt-edged Securities (Gilts)
  • Friendly Societies
  • Unit Trusts
  • Individual Savings Accounts (ISAs)
  • Investment Trusts
  • Open Ended Investment Companies (OEICs)
  • Investment Bonds

Deposit Based Investment

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

Individual Savings Accounts (ISAs)

There are five main types of ISA – cash ISAs, Help to Buy ISAs, innovative finance ISAs, stocks & shares ISAs and Lifetime ISAs.


Under the so-called 'New ISA' (or NISA), Cash ISAs and Stocks and Shares ISAs have effectively been merged, with the overall combined limit in 2019/20 at £20,000.