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Investments

Today’s investment world has never been more complex and ordinary investors need all the help they can get to choose the right investment vehicles for their needs and appropriate funds to place in them. This choice should be dictated by your attitude to risk and the amount of disposable income you have to invest.

Taking a look at our guides will help you find out more about what’s on offer.

ISAs

An individual savings account (ISA) is a tax-efficient way to save, with no tax liability when the proceeds are withdrawn. In addition your investment is free of capital gains tax and there is no liability for tax on any income taken from the fund.

Read our guide to ISAs >>

Junior ISAs

Junior ISAs are a result of the Government’s attempt to replace child trust funds, which were closed to new entrants in 2010. Like child trust funds, they aim to offer an incentive for parents to start investing for children.

Read our guide to Junior ISAs >>

Investment bonds

Investment bonds are sold by life insurance companies and allow you to invest in a variety of funds managed by professional investment managers. They are normally designed to produce long term capital growth, but can also be used to generate an income.

Read our guide to investment bonds >>

Exchange traded funds (ETFs)

ETFs are funds that are traded on a stock exchange and whose assets mirror the price movements of an underlying index. They are available to track most indices, whether they are stock market-based or otherwise. 

Read our guide to ETFs >>

Unit trusts and OEICs

Unit trusts and OEICs (Open Ended Investment Companies, pronounced 'oiks') are two similar types of investment fund. They aim to provide easy access to shares across the world's stock markets but operate in slightly different ways.

Read our guide to unit trusts and OEICs >>

Fund supermarkets

A fund supermarket makes lots of different fund management groups available to investors in one place, and usually at a lower price (in terms of charges) than would be available by purchasing direct.

Read our guide to fund supermarkets >>

Capital gains tax (CGT)

Everyone is allowed to make a certain amount of gains each year before tax becomes liable, but which assets are liable to capital gains tax, and which are potentially exempt?

Read our guide to capital gains tax >>

Ethical investment

Ethical investment, often known as socially responsible investment (SRI), can be confusing as there are many shades of ‘green’ funds available through unit trusts, open ended investment companies and investment trusts.

Read our guide to ethical investment >>

Inheritance tax

Inheritance tax (IHT), which is currently charged at 40%, applies to your entire estate and includes the value of savings, investments and chattels, such as antiques, jewellery and paintings.

Read our guide to inheritance tax >>