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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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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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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If you have a long term saving goal, it can be helpful to compare your options to see what’s best for you to reach it. Ideally you want an option that has all the features and support you need to hit your target, whether it’s five or 15 years away.
This quick guide is full of information that can help you compare different savings products to help you decide.
Saving and investing are different. For example, saving money could be when you put it into a bank account or Cash Individual Savings Account (ISA) to earn interest. There is less risk that the value of your savings will go down as it's not invested, but the real value of your savings (what you can buy with it) could be affected by inflation over time.
On the other hand, you can save money into a Stocks & Shares ISA where it’ll be invested in funds. Your money could then potentially grow over time, which could give you more in the long run if the investments perform well. If they don’t do well, you could end up with less than you put in.
There are pros and cons to both saving and investing. We have a full guide that can help you decide what’s best for you.
We offer a few options that can help you save and invest money for the future. They all work in different ways so it’s worth comparing them to see what could be right for you.
When you put money into a Stocks & Shares ISA, it’s invested in funds and other types of investments. It can be a tax efficient way of investing as you don’t pay tax on any returns you could make.
You do have to keep the ISA allowance in mind. It’s the limit on how much money you can save and invest through ISAs in a single tax year. The ISA allowance for the 2020/21 tax year is £20,000.
You can use our Personal Portfolio if you want to invest more than the ISA annual allowance. We explain how this option works below.
We also have a Stocks & Shares ISA guide that goes into even more detail. It’s useful if you feel this could be an option for you.
This option works like a Stocks & Shares ISA, but any returns you might make are taxable. If you've used up your ISA allowance or paid into another stocks and shares ISA this tax year, you can use a Personal Portfolio to make further investments.
Personal Portfolios let you invest in a wide range of funds. You choose from our range of thousands of funds. Or, you can pick a fund option for the level of investment risk you’re willing to take. Our Personal Portfolio page has more information on how it works, what the charges are and other useful details.
There are different types of Bonds that could help you with your investment needs. They are often used to help give people a source of income after they retire, or to give them wealth they can pass on to their family. There are two options that you can compare below.
It can give you a chance to grow your money in the medium to long term and to give you an income. Find out how they work and if they’re right for you.
It can be used to save up money to take a regular retirement income or to pass on to loved ones. Read more information here.
Most of the saving and investing options we’ve looked at have tax benefits. This is what makes them an efficient way of making your money grow over the longer term.
Our guide to tax-efficient savings and investments covers the benefits and rules you need to know.
Our MoneyPlus team of experts regularly post savings guides and insights to help you make the most of your money. Here’s a selection of some of the guides you might find useful on your savings journey.
Saving for a house deposit? Want a new car? Whatever your goal, this quick guide can help you get there.
Read the guide
There’s still plenty of time to grow your savings. This guide shows you ways to manage your money that could help you do this.
Find out how
We invited four money experts to share their saving tips with us. Find out what they had to say here.
Read their tips
Whether you’re saving money to retire or aiming to grow your money with investments, we have more guides that can help you make the best choices for you.
Find out how your pension works. Our guides explain how your pension is invested and much more.
Read about pensions
Learn the basics of how to invest money. Find out more about different investments types and your options.
Read about investments
Get regular savings guides, market news and detailed analysis from the MoneyPlus team of experts.
Read MoneyPlus