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Get the most out of your investments

Identify your goals

It’s vital to have clear, realistic goals in mind. Start by asking yourself these questions:

  • What are you investing for? Is it a long term, medium term or short term goal? (Investing usually isn’t appropriate for short term goals.)
  • What sort of life events, like having children or retiring, are you anticipating?
  • Do you already have enough savings set aside as a buffer for emergencies like losing your job?

Work out your attitude to risk

How much can you invest?

Do your sums and work out how much you can set aside each month, or whether you can afford to invest a lump sum.

Start early

The sooner you start investing, the more potential you’ll have for growth.

What's your attitude to risk?

Try Oxford Risk’s Risk questionnaire and assess your attitude to investment risk.

Aim for tax efficiency

Everyone wants to maximise their returns and minimise the amount of tax they pay, so make sure your investments are helping you do this.

Tax efficient investments

Choose the right investment for you

We have a wide range of investment options to meet our customers’ different needs, from ready made options, such as the MyFolio Managed Funds, to individual funds covering different asset classes, geographical regions and investment styles.

Review, review, review

It’s important to keep an eye on your investments to make sure they continue to help you meet your goals.

You can speak to your financial adviser, use our Standard Life MyPortfolio app compatible with the iPhone, iPad and iPod Touch or manage your account online.

If they’re not performing well or your circumstances change, you should have enough flexibility to switch funds or even withdraw your money.

As with any investment, the value can go up or down, and may be worth less than you paid in.

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