How investing works

How much you pay in

How your investments perform

How long you're invested for

Final value of your investments

The value of your investments can fall as well as rise, and they may be worth less than you paid in, even over longer time periods.

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Why invest?

Investing gives your money greater potential to grow in value than if you put it in a savings account or cash ISA and the longer it’s invested the more opportunity it has to grow in value.

Investment choice can make a difference to the value of your long-term savings so it’s important to regularly review your investments to make sure they’re right for you.

Capital is generally secure in a bank or building society, whereas there are risks involved with investing.

Explore options

Whether you're just starting out or are an experienced investor, we have a range of investment options and guidance to suit you - however much or little support you want.

Let experts manage it

If you don’t have the time or experience to manage investments, you can delegate some of the work to our experts. You just need to choose what’s right for you.

Our investment experts will:

  • Manage your investments for you
  • Make sure your investments take an appropriate level of risk
  • Invest in a variety of investment types and countries to help spread risk
Pension options

Manage it myself

If you prefer to do-it-yourself, you can pick your own funds from our full fund range.

You’ll be able to:

  • Choose and manage your own investments from a wide range of options
  • Monitor your investments
  • Review and switch your funds according to your own preferences and appetite for risk
Pension options

Check funds

Find all the information you need about our funds

  • Performance
    See how funds have performed over various time periods
  • Factsheets
    View or download the latest factsheet for each fund
  • Charges
    Find out how much it costs to invest in each fund
  • Prices
    See the daily prices for buying and selling units in each fund

Award-winning investment expertise as standard

International Smaller Companies Platinum Award
for the Global Smaller Companies Fund
at 2018 Portfolio Adviser Fund Awards

Won by Standard Life Investments

UK Smaller Companies Trust voted best Smaller Companies trust 2017
by AJ Bell’s customers Awards

Won by Standard Life Investments

Fixed Income Manager of the Year (up to €100 billion AUM) 2017
at Insurance Asset Management Awards 2017

Won by Aberdeen Standard Investments

UK Ethical Equity Fund – Best Ethical Investment Fund
at Investment Week Sustainable Investment Awards 2017

Won by Aberdeen Standard Investments

Best Structured Investment Product Award – Multi-asset house award
at The Asset’s Triple A Awards 2017

Won by Standard Life Investments

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How are your investments doing?

Call us

For information on your investment options

Fees may apply. 0345 60 60 191 Call charges will vary.

If you have a financial adviser, please speak to them first.

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Find a financial planner

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New to Standard Life?

Our Stocks & Shares ISA

Explore our investment options for our Stocks & Shares ISA

Our Personal Pension

Explore our investment options for our Personal Pensions

Keep up-to date with the latest investment news and expert opinion.


Explore our investment options for pensions and ISAs.


Keep up-to date with the latest fund news and updates.


See some of the most commonly asked questions about investments.


How diversifying your investments can help you to better balance returns and risk