Whether you're saving for life in retirement or want to save money for long-term goals, our guides, products and tools can help you save efficiently for the future. From Stocks & Shares Individual Savings Account (ISA) to personal pensions there's a range of options for your needs.
Pensions are a tax-efficient way to save for retirement. We can help you get a pension plan, prepare for retirement, and understand the ways you can take your pension money when you come to retire.
We believe good financial advice can make a difference when it comes to achieving your goals. In this section you can find out what you could gain from taking financial advice, when you might need it and how to find the right adviser for you
Our helpful articles are full of tips and information to help you make the most of your money. Whether you're starting to save for life's big moments or you're getting close to retirement, there's something for everyone.
Whether you're an existing customer or new to Standard Life, we're here to help you. We have information to help you contact us, get the most out of our website and find the information you need.
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Understanding investments and ways to save smarter
Manage your money with these tools and calculators
Save money for retirement and your long-term goals
Invest money flexibly with a range of investment options
Understanding pensions and planning for retirement
See if your pension savings are on track and more
Understand the different types and what you can do
Explore ways to take your savings at retirement
Get started with financial advice
Find out how you could benefit from working with a financial adviser
Speak to one of our specialist retirement advisers
Get professional advice from 1825, our financial planning business
Tips to help you start saving for big life moments and ways to keep on track with your goals
Find out how to make the most of your regular income with these helpful money guides
Learn more about retirement planning and how to take your life savings
Need to speak with us? Find the best way to contact us.
Find out how we can support a range of your needs
Learn more about our services and manage your account
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The value of your investment can go down as well as up and you may get back less than you paid in. Laws and tax rules may change in the future. Your own circumstances and where you live in the UK also have an impact on tax treatment.
Standard Life Self Investor provides an online investment service for people who want to choose and look after their own investments without receiving personal financial advice.
Standard Life Self Investor is for existing customers only. If you’re a new customer looking to open a Stocks and Shares Individual Savings Account (ISA), you can open our Standard Life ISA online.
If you already have an account with Standard Life Self Investor, log in to your account to choose or manage your investments.
Log in to Smart+ (our secure online portal which allows you to select, view and manage your investments 24/7) and select 'My Documents' from the top menu to see your personal account documents, or select 'Literature' to see documents about the Standard Life Self Investor service, accounts and charges.
You can transfer:
You should check with your current provider if you will be charged for transferring your ISA.
If you wish to transfer part of an ISA from another provider please call our transfer team on 0800 1522 522. Your investments can be re-registered in an ISA with us as long as we offer the same funds in the same share class, and your existing ISA plan manager supports this. If not, your existing ISA plan manager will sell the investments and transfer as cash. The minimum amount you can transfer to us is £500, with further transfers requiring a minimum of £100. You must already have a Self Investor ISA to be able to transfer another ISA in.
If you transfer as cash you'll be out of the market until the transfer is complete. You won't lose out if the market falls but your money won't be subject to any potential income or growth if the markets rise in this period.
To find out more about our transfers please visit our account overview page.
You can re-register investments from General Investment Accounts, Trading Accounts, Fund Trading and Dealing accounts into our Trading Account as long as we offer the same funds in the same share class, and your existing provider supports this.
If you re-register at least one fund to our Trading Account, you can also transfer any other funds you hold that aren't available from Standard Life Self Investor as cash.
The minimum amount you can transfer to us is £500, with further transfers requiring a minimum of £100.
If you transfer as cash you'll be out of the market until the transfer is complete. You won't lose out if the market falls but your money won't be subject to any potential income or growth if the market rises in this period. Once the transfer is complete you'll need to choose your funds to invest in.
If you're transferring funds you'll remain invested during the transfer. You'll be unable to switch or sell these funds while the market falls or rises during this time. You must already have a Self Investor Trading Account to be able transfer other investments in.
To find out more about our transfers please visit our account overview page.
First decide whether you want to transfer to our Stocks and Shares ISA or Trading Account, and read our Standard Life Self Investor: In specie guide to transfers which provides you with further information on our transfer processes. Then call us on 0800 1522 522 and let one of our dedicated team help you get started with your online transfer. Or if you prefer you can set it up yourself online by following the steps below:
If you transfer as cash you'll be out of the market until the transfer is complete. You won't lose out if the market falls but your money won't be subject to any potential income or growth if the market rises in this period.
If you're transferring funds you'll remain invested during the transfer. You'll be unable to switch or sell these funds while the market falls or rises during this time.
It can take up to 30 days to complete the transfer or re-registration from receipt of your signed transfer form, depending on how long your existing provider takes to complete the request. You can track the progress of your transfer by logging in to your account with Standard Life Self Investor and selecting 'Transfer status' from 'Transactions' in the menu.
We'll notify you when the transfer is complete.
To close your Stocks and Shares ISA, Trading Account or Cash Account, you'll need to transfer your account(s) to another provider or withdraw the full balance to your chosen UK bank account and then tell us to close the account.
This website describes products and services provided by Standard Life Assurance Limited (part of the Phoenix Group) and subsidiaries of the Standard Life Aberdeen Group. The Standard Life Aberdeen Group and the Phoenix Group are in a strategic partnership – learn more about the products and services provided by each company.
Standard Life Assurance Limited continues to use the Standard Life brand, but products and services under this brand are provided by different companies:
Pensions
All the pension products on this website are provided by Standard Life Assurance Limited, which is part of the Phoenix Group.
Standard Life Assurance Limited is registered in Scotland (SC286833) at Standard Life House, 30 Lothian Road, Edinburgh, EH1 2DH. Standard Life Assurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Advice
Where we mention financial advice from Standard Life on this website, the advice services are provided by the Standard Life Aberdeen Group.
Our Retirement Advice service is provided by Standard Life Client Management Limited. Standard Life Client Management Limited is registered in Scotland (SC193444) at 1 George Street, Edinburgh, EH2 2LL. Standard Life Client Management Limited is authorised and regulated by the Financial Conduct Authority.
We also refer to advice from 1825 on this website. '1825' is a trading name used by 1825 Financial Planning and Advice Ltd, which is part of the Standard Life Aberdeen group. 1825 Financial Planning and Advice Ltd is registered in England (01447544) at 14th Floor 30 St. Mary Axe, London, England, EC3A 8BF and is authorised and regulated by the Financial Conduct Authority.
ISAs
The Standard Life Stocks & Shares ISA and Personal Portfolio are provided by Standard Life Savings Limited, which is part of the Standard Life Aberdeen Group.
Standard Life Savings Limited is registered in Scotland (SC180203) at 1 George Street, Edinburgh, United Kingdom, EH2 2LL. Standard Life Savings Limited is authorised and regulated by the Financial Conduct Authority.
The Standard Life Self Investor ISA and Trading Account are provided by Elevate Portfolio Services Limited, which is part of the Standard Life Aberdeen Group.
Elevate Portfolio Services Limited is registered in England (01128611) at Bow Bells House, 1 Bread Street, London, EC4M 9HH. Elevate Portfolio Services Limited is authorised and regulated by the Financial Conduct Authority.
Bonds
Our Onshore Bond products are also provided by Standard Life Assurance Limited, which is part of the Phoenix Group.
Our Offshore Bond is provided by Standard Life International dac, which is part of the Phoenix Group.
Standard Life International dac is authorised and regulated by the Central Bank of Ireland and subject to limited regulation in the UK by the Financial Regulation Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request.
Standard Life International dac is a designated activity company limited by shares and registered in Dublin, Ireland (408507) at 90 St Stephen’s Green, Dublin.
Equity Release
Standard Life Equity Release is provided by Age Partnership Limited. Standard Life Client Management acts as an introducer and refers customers to Age Partnership Limited.
Age Partnership Limited (registered in England (5265969) at 2200 Century Way, Thorpe Park, Leeds, LS15 8ZB). Age Partnership is authorised and regulated by the Financial Conduct Authority. Their FCA register number is 425432.
With-profits investments
The with-profits investments on this site are provided by Standard Life Assurance Limited, which is part of the Phoenix Group.
For more information please read our Service and Provider Information page.
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