Maximising Your Savings and 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 your investments can go down as well as up, so you could get back less than you invested.
 
Investment Overview

Investment Overview

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.

Individual Savings Accounts (ISAs)

Individual Savings Accounts (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 2021/22 at £20,000, while several new ISA variants, offer savings "bonuses".

Asset-backed Investments

Asset-backed Investments

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.

Deposit Based Investment

Deposit Based Investment

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.

Markets

This week, it was reported that hopes for a breakthrough in China’s Evergrande debt crisis, which had been rattling global markets, helped the FTSE 100 index to rally and return above the 7,000 threshold
If we see a stock market crash in the near term, Edward Sheldon's planning to buy shares for his portfolio. Here's a look at some he has his eye on.
Bullish investors drove the FTSE 100 higher on Wednesday. Roland Head looks at the stories behind the news and reveals the day's big winners.
The FTSE 100 has fallen recently to around 7,000 points. Here are two FTSE 100 stocks I'm buying now to capitalise on this slight dip.
Jonathan Smith identifies FTSE 100 stocks with low exposure to China, low-risk debt and defensive elements to help him in the current climate.