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Savings & Investments

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.

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Understanding investments and ways to save smarter

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Pensions & Retirement

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.

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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

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Investment, tax or estate planning advice

Get professional advice from 1825, our financial planning business

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Life Stages

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.

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Starting out

Tips to help you start saving for big life moments and ways to keep on track with your goals

  • 9 ways to supercharge your savings
  • How to challenge your savings habits
  • Growing your money in your 30s and 40s
  • How to save for your children's future
  • Savings tips to future-proof your life

Throughout your working life

Find out how to make the most of your regular income with these helpful money guides

  • Tax year end: tips to make more of your money
  • Pensions and ISAs: what's the difference?
  • How to choose pension plan investments
  • Tips to help you save for life after work
  • The State Pension: what you should know

As you approach retirement

Learn more about retirement planning and how to take your life savings

  • Tips for taking money from your pension
  • Combining pensions: how it can help make things simpler
  • How to take control of your retirement income
  • How to pass your pension savings on to loved ones
  • How taking money from your pension plan could affect your benefits

MoneyPlus

Get money insights and analysis from our experts for all financial life stages

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        • How to save for your children's future
        • Savings tips to future-proof your life
    • Throughout your working life
      • Throughout your working life
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        • Tax year end: tips to make more of your money
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        • Tips to help you save for life after work
        • The State Pension: what you should know
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        • Tips for taking money from your pension
        • Combining pensions: how it can help make things simpler
        • How to take control of your retirement income
        • How to pass your pension savings on to loved ones
        • How taking money from your pension plan could affect your benefits
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Introduction

Using any of the pages on this site indicates that you accept the terms of this Legal information notice ("Notice"). If you do not accept these terms, please leave the pages of this site immediately. This Notice is issued by Standard Life Employee Services Limited.

We may update the terms of this Notice from time to time by updating this page. You should revisit this page regularly to ensure that you have seen and are aware of the current terms, as they are binding on you.

Certain provisions in this Notice may be superseded by expressly designated notices or terms located on particular pages of the site.

This website describes products and services provided by subsidiaries of the Standard Life Aberdeen Group and the Phoenix Group. The Phoenix Group uses the Standard Life brand under licence from the Standard Life Aberdeen Group.

In this Notice and the pages of this site, any reference to "Standard Life", "we", "our" or "us" means any member of the Standard Life Aberdeen Group (being Standard Life Aberdeen plc and its subsidiaries) or the Phoenix Group (being Phoenix Group Holdings plc and its subsidiaries) unless otherwise indicated.

Standard Life Aberdeen

Standard Life Aberdeen plc (SC286832) and Standard Life Employee Services Limited (SC271355) are both registered in Scotland at 1 George Street, Edinburgh. United Kingdom, EH2 2LL.

The Standard Life Aberdeen Group VAT number GB270347469.

Standard Life Aberdeen plc (SC286832) and Standard Life Employee Services Limited (SC271355), are both registered in Scotland at 1 George Street, Edinburgh, United Kingdom, EH2 2LL.

Phoenix Group Holdings

Phoenix Group Holdings plc is registered in England (11606773) at Juxon House, 100 St Paul's Churchyard, London, EC4M 8BU.

The Phoenix Group VAT number GB369446510.

You can find more information about Standard Life Aberdeen plc's strategic partnership with Phoenix, including full details of which company provides each product or service, on our Provider Information page.

Intended audience

The pages of this site are intended for the information of residents of the United Kingdom ("UK"), unless otherwise stated.

General disclaimers and terms

While we have taken all reasonable care to ensure that the information contained within the pages of this site is accurate, current and complies with relevant UK legislation and regulations as at the date of issue, errors or omissions may occur due to circumstances outside our control.

We reserve the right to change the content, presentation, performance, facilities and availability of all or part of the pages of this site at our sole discretion and without prior notice.

We make no warranty or representation that the pages of this site can be accessed at all times during the UK hours of business stated on this site. While we will endeavour to ensure the pages of this site can be accessed during the UK hours of business, this site may be temporarily unavailable or restricted for administrative or other reasons. If this happens, we will try to restore their availability as quickly as possible. We will not be liable for any loss or damage arising out of or in connection with the loss of the use of this site.

We accept no responsibility for information contained in any other sites which can be accessed by hypertext link from the pages of this site, or for these other sites not being available at all times. The links to any other sites are provided for general information purposes only and the sites concerned and their contents are not endorsed or promoted by us in any way, unless otherwise stated. Please note that when you click on any external site hypertext link, you will leave our site and access the external site at your own risk.

Advice

Nothing on the pages of this site constitutes financial, legal or other professional advice in any way and you should consult your financial adviser or other professional adviser if you require any financial, legal or other professional advice.

Copyright and trade mark

© 2021 Standard Life Aberdeen, reproduced under licence. All rights reserved.

Copyright in the pages of this site, in the screens displaying the pages and in the information and material contained therein and their arrangement, is owned by Standard Life Employee Services Limited, or such other member of the Standard Life Aberdeen Group or the Phoenix Group as Standard Life Employee Services Limited may direct, unless otherwise indicated.

Certain images and content used in the pages of this site are reproduced under licence.

"Standard Life" and the "Standard Life" logo are registered trademarks of Standard Life Employee Services Limited and are used by Standard Life Assurance Limited, Standard Life Assets And Employee Services Limited, Standard Life Trustee Company Limited and Standard Life International dac under licence. Standard Life Employee Services Limited and other members of the Standard Life Aberdeen Group, or members of the Phoenix Group, may also claim trade mark and service mark rights in other marks contained within the pages of this site.

Reproduction of the pages of this site in whole or in part, without the prior written consent of Standard Life Employee Services Limited, or such other member of the Standard Life Aberdeen Group, or such member of the Phoenix Group, as Standard Life Employee Services Limited may direct, is strictly prohibited unless for private, non-commercial viewing purposes.

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Apple and the Apple logo are trademarks of Apple Inc. App Store is a service mark of Apple Inc.

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Please note that there is no guarantee that any e-mail sent will be received, or that the contents of any such e-mail will remain private or unaltered during Internet transmission. If you have any such concerns, you may prefer to telephone or write to us instead. We accept no liability for any damages you or others may suffer as a result of the alteration or loss of confidentiality of any such information.

We virus scan and retain all electronic communications (including emails). However, we recommend that you employ reasonable virus detection and protection measures when accessing any emails or electronic messages from us.

We reserve the right to monitor the use and content of e-mails which are sent from and received by us for the purposes of ensuring compliance with our own e-mail policy, and identifying and taking action against unlawful or improper use of, or attacks on, our systems.

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We recommend that you employ reasonable virus detection and protection measures when accessing the pages of this site. We will not be liable for any loss or damage resulting from any attack by a third party on our systems or for any computer virus or other malicious or technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of this site.

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Any software, multimedia files, photographs, reports and other documents are downloaded at your own risk. We do not warrant the suitability of any such downloads and accept no liability for any problems with your computer that may arise as a result. If you are in any doubt as to the suitability of any such downloads for your computer, it is recommended that you obtain specialist advice before downloading.

Financial Services Compensation Scheme (FSCS)

The Financial Services Compensation Scheme (FSCS), established under the Financial Services and Markets Act 2000, has been set up to provide protection to consumers if authorised financial services firms are unable, or likely to be unable, to meet claims against them. Accordingly you may be entitled to compensation from the FSCS if such a firm cannot meet its obligations, depending on the type of business and the circumstances of the claim. For further information on the compensation available under the FSCS please check their website www.fscs.org.uk or call the FSCS on 0800 678 1100. Please note only compensation queries should be directed to the FSCS.

If you have any further questions, you can speak to your financial adviser or contact us directly. You can also find more information at www.standardlife.co.uk/investor-protection.

Governing Law

The terms of this Notice and the use of the pages of this site shall be governed by the laws of Scotland unless otherwise stated, and the Scottish courts shall have non-exclusive jurisdiction in the event of a dispute.

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fscs

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.

© 2021 Standard Life Aberdeen

© 2021 Standard Life Aberdeen