Ready-Made Investments

Expert managed

Investing made simpler with our ISA and General Investment Account (GIA). Choose from 3 funds; Cautious, Balanced or Adventurous. Then let our experts do the hard work. They'll invest your money for you so it has a chance to grow.

UK residents aged 18 or over

£500 lump sum or £50 a month

£20,000 per tax year across multiple ISAs

No investment limit for our General Investment Account

• £3 monthly account fee
• 0.1% ongoing investment charge
• Fund Manager transactional charges apply

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Ready-Made Pension

Expert managed

Tax efficiently build your future today, with our simple personal pension. Tell us the age you want to take your pension, and our experts will invest your money for you, gradually moving your money into lower risk investments as you approach retirement.

UK Residents, aged 18 to under 75

£4,000 lump sum or £120 a month (before tax relief) or £10,000 in pension transfers

As much as you earn, usually up to £60,000 per tax year across all your pensions

• Account fee of 0.3% a year, taken monthly, with a minimum of £5 a month
• 0.1% ongoing investment charge
• Fund Manager transactional charges apply

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Ready-Made Pension

Expert managed

Tax efficiently build your future today, with our simple personal pension. Tell us the age you want to take your pension, and our experts will invest your money for you, gradually moving your money into lower risk investments as you approach retirement.

UK Residents, aged 18 to under 75

£4,000 lump sum or £120 a month (before tax relief) or £10,000 in pension transfers

As much as you earn, usually up to £60,000 per tax year across all your pensions

• Account fee of 0.3% a year, taken monthly, with a minimum of £5 a month
• 0.1% ongoing investment charge
• Fund Manager transactional charges apply

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Self-Invested Personal Pension (SIPP)

Managed by you

For more confident investors saving for retirement. Choose and manage your own investments from thousands of options, including our Start-Up fund, so your money has a chance to grow.

UK residents aged 18 to under 75

Start with as little as £1

As much as you earn, usually up to £60,000 per tax year across all your pensions

• Account fee of 0.25% of the value of your investments, taken monthly, with a maximum of £16.50 a month
• £5 per online UK trade, free regular investment plan, and free international trades (1.5% exchange rate applies)

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Ready-Made Investments

Expert managed

Investing made simpler with our ISA and General Investment Account (GIA). Choose from 3 funds; Cautious, Balanced or Adventurous. Then let our experts do the hard work. They'll invest your money for you so it has a chance to grow.

UK residents aged 18 or over

£500 lump sum or £50 a month

£20,000 per tax year across multiple ISAs

No investment limit for our General Investment Account

• £3 monthly account fee
• 0.1% ongoing investment charge
• Fund Manager transactional charges apply

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Stocks and Shares ISA

Managed by you

Tax-efficient investing for more confident investors. Bulid and manage your own portfolio with our wide range of investments.

UK residents aged 18 or over

Free to open

£20,000 per tax year across multiple ISAs

• No annual account fees
• £5 per online UK trade, free regular investment plan, and free international trades (1.5% exchange rate applies)

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Share Dealing Account

Managed by you

For more confident investors, looking for an account to start trading with or have already used their ISA allowance. Buy, sell and hold investments with no limitis. There's no limits although your investments could be subject to UK tax.

UK residents aged 18 or over

Free to open

No investment limit

• No annual account fees
• £5 per online UK trade, free regular investment plan, and free international trades (1.5% exchange rate applies)

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Life cover

Gives your loved ones financial support if you die, so you can have peace of mind.

This insurance is offered by Scottish Widows.

• Lump sum if you die while covered
• Cancel at any time, free of charge, but you won't get any money back

• Level cover
• Decreasing cover
• Increasing cover

Get a quick quote

Critical illness cover

Gives you peace of mind by paying out a cash lump sum if you're diagnosed with a serious illness, covered by your policy.

This insurance is offered by Scottish Widows.

• Lump sum if you get one of the critical illnesses covered by the policy
• Cancel at any time, free of charge, but you won't get any money back

• Level cover
• Decreasing cover
• Increasing cover

Get a quick quote

Income protection

If you can't work because of a health condition, income protection can help take financial worries away. Get tax-free monthly payments and other benefits.

This insurance is offered by Scottish Widows.

• Tax-free monthly payments 
• Choice of cover amount and duration
• Cancel at any time, free of charge, but you won't get any money back
• Maximum cover depends on what you earn

• Up to 60% of earnings as a tax-free monthly payment if you earn up to £70,000 per year
• If you earn more than £70,000 per year get up to 45% of the remaining amount

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