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Investments
People invest for many different reasons such as
- Saving for school / further education fees
- Saving for a deposit on a house
- Saving for a wedding
- Investing for the future
- Saving as a top-up to any pension plans in retirement
Whatever your investment goal, you can rest assured that our fund managers are doing their absolute best to look after and grow your money for you. Scottish Widows investment plans are flexible so you can customise them to suit you.
Investment Product information
This section gives you information about our investment products which will help you to make decisions about your current investments.
Information about your product
Select one of your products below:
- ISAs
- OEICs
- Capital Protected ISA
- Investment Bond
- Global Investor
- Corporate Investor
- Portfolio Bond
- Flexible Options Bond (for existing customers only)
For more information about your product view our OEICs & ISAs FAQs and Bond FAQs
Topping up your investment
If you want to increase your regular payments into an OEIC or ISA please send us a signed letter to the address below, including your Scottish Widows account number. If you want to add a lump sum to an existing investment, please call us on 0845 300 2244 (for OEICs and ISAs) and 0845 716 6777 (for the Flexible Options Bond). Minimum investment amounts will apply for all top-ups. Please speak to your financial adviser or refer to your key features document for full details. Remember we need two signatures for joint holdings.
Scottish Widows
15 Dalkeith Road
Edinburgh
EH16 5BU
If you have an ISA, it's important to note that you need to adhere to the ISA allowance limits set by the Government (HM Revenue & Customers) each tax year.
- The total ISA allowance for tax year 2012/2013 is £11,280. You can invest up to £5,640 of this allowance in a Cash ISA and the remainder in a stocks and shares ISA, or the whole amount in a stocks and shares ISA.
- You can have a cash ISA with one provider and a stocks and shares ISA with the same, or a different, provider. You can't invest into two ISAs of the same type in the same tax year.
- Scottish Widows is a stocks and shares ISA provider.
- Cash ISAs are usually provided by banks – such as Scottish Widows Bank or Lloyds TSB – or building societies.
The value of your investment and any income from it is not guaranteed and can go down as well as up. You may not get back the original amount you invested.
