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Investments

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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 increased to £20,000 from 2017/18.
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

LONDON (Reuters) - British universities must offer students value for money, Prime Minister Theresa May said on Monday, launching a review that could reduce fees and restore grants in a bid to entice younger voters who helped punish her party at an election last year.
LONDON (Reuters) - British households' gloom about their finances deepened this month, and most now expect borrowing costs to rise again within six months after the Bank of England raised interest rates in November, a survey showed on Monday.
LONDON (Reuters) - The rate of homeownership among young, middle-income adults in Britain has more than halved over the last 20 years, according to research that highlights growing generational strains in British society.
LONDON (Reuters) - The global market turmoil of the past week has shone a light on complex trading instruments listed in the United States and Europe - a number of which have been taken off the market - which some investors blame for the scale of the disruption.
LONDON (Reuters) - Bank of England Deputy Governor Ben Broadbent said on Friday he did not think a couple of interest rate hikes in the space of a year should come as a great shock, but added that the central bank had not fixed any path for tightening policy.