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Investments

Are you making the best use of any spare capital or surplus income
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Protection

How much cash would your family need to maintain their current lifestyle if you die prematurely
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Pensions

When do you want to retire and how much income will you need?
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Mortgages

Do you want to reduce your current mortgage outlay or are you moving home?
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Investments

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.


Here we attempt to explain in simple terms all the different asset backed investments open to the individual investor, from contribution levels right through to taxation treatment of each investment.
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 2018/19 at £20,000.
In this document we look at all the various deposit based investment vehicles available in the marketplace today and what they mean to the individual investor.
This document looks at the different investment vehicles available to the individual investor together with the key points to note. This is an at-a-glance guide with more detailed information being contained in the other documents on this page. The value of investments and income from them may go down. You may not get back the original amount invested and the levels, basis and reliefs of taxation are subject to change.

Personal Finance

Royal Bank of Scotland apologised for outages that hit its online and mobile banking services on Friday, the latest in a string of such failings at British banks which have drawn criticism from customers and members of parliament.
Support in Britain for increased levels of tax to fund more public spending has hit a 15-year high, according to a survey published on Friday, after nearly a decade of government efforts to cut its budget deficits.
British inflation jumped unexpectedly to a six-month high in August, pushed up by bigger-than-usual seasonal increases in sea and air fares and briefly sending sterling above $1.32 for the first time since July.
Britain's government will invest 2 billion pounds to address an affordable housing shortage, Prime Minister Theresa May will say on Wednesday.
British consumer spending grew over the three months to August at the fastest pace since January, chiming with other signs the economy has picked up some steam in mid-2018, a survey from payments firm Visa showed on Monday.