Financial Future Hub

Savings and investments:

Savings and investment tools

Savings and investments

Savings accounts offer a low-risk and accessible way to look after your money. If you’re looking to make some of your money work harder, you might also consider investing.

Remember, the value of investments and the income from them can fall as well as rise, and you may get back less than you invest. If you’re not sure about investing, seek independent advice. Tax treatment depends on personal circumstances and may be subject to change.

About ISAs

ISAs (Individual Savings Accounts) are flexible and allow you to save or invest tax efficiently. 

Your ISA options

Savings Calculator

Plan your savings with the help of our calculator. It shows you how much or how long it will take to reach your goal. 

Plan your savings
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Ways to invest

Manage your own investments or let us do it for you. We have a range of options to suit all levels of experience. 

Investment options

5-step guide to investing

New to investing? Read the beginner’s guide to get you started in five simple steps.  

 

 

 

Beginners guide

Boost your investment skills

Easy-to-read articles to boost your skills and learn more about investing. 

Boost your skillsOpens in a new tab

Risk explained

Informed choices come from understanding risk. Discover the different types of risk and how it affects your investments. 

Read our helpful guide

Your investor persona

This interactive quiz can help you discover what type of investor you are – and help boost your skills. 

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Research the market

Our research centre helps you stay up-to-date with the latest market news. 

View our research centre

Your retirement

Whatever stage of life you’re at – nearing retirement, already retired or just starting to think about it – we can help you make the most of your pension options.

Pensions are a long-term investment. The retirement benefits you receive from your pension plan will depend on a number of factors including the value of your plan when you decide to take your benefits which isn’t guaranteed and can go down as well as up. The value of your plan could fall below the amount(s) paid in.

Pension calculators & tools

Use these tools to see what your pension could look like.

Courtesy of our pension experts at Scottish Widows.

Find out howOpens in new tab

Your home

If you’re considering buying a property or looking to make some improvements, we’re here to help you take the next step. We are proud to offer mortgages provided by Halifax.

You could lose your home if you don’t keep up your mortgage repayments.

Want to pay off your mortgage sooner?

Use our handy calculator to find out how much you could save by overpaying on your mortgage. 

Overpayment Calculator

Mortgage calculator

See how much you could borrow and calculate your monthly repayments. 

Calculator and tools

Expert financial advice

Getting the right advice can make all the difference. That’s why we’ve partnered with Schroders Personal Wealth to give you access to their expert advisers. 

Talk to an expert

Speak to a Schroders Personal Wealth adviser from the comfort of your own home. It’s easy to do via our online video chat or by phone. Book your free, no obligation appointment.  

Book your appointment