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Life is busy. You invest in your health, fitness, friends, career, hobbies and home. Now it's time to invest in your financial future with the same confidence. Invest in you brings together guidance, tools and products to support you in building every version of your financial future.

Life moments


Every woman’s life is different, but many share moments that can influence their financial futures. Here are some of the most common experiences — and the support that can help you feel more confident and in control.

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Face the fear

50% of women feel that investing is not for them. Could you flip the script?

Explore investing
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Take the step

50% of women pause their careers. Our Career Break Modeller tool in the Scottish Widows app can help show how the choices you make could impact your future.

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Life happens 

Life insurance helps protect your loved ones when it matters most, yet less than 1 in 3* women have life cover. We’re making it easier for anyone to take the first step.
 
*Source: 2025 YouGov survey

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Reach the goal

Only 15% of women use digital tools for their long-term finances. What's stopping you?

I want to plan
 

A future you can see

Your whole financial world in one app. See your Scottish Widows workplace and personal pensions, along with the investments, savings, and insurance you hold with other providers, all within the Scottish Widows app.

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Drive to Thrive

 
Drive to Thrive game

Take our latest game for a spin


Women face unique financial hurdles at each stage of their lives. To play, collect coins and tools while steering past the obstacles in your path. Learn how our characters have overcome barriers too on their journey to financial wellbeing.

Play now

Take action

Products to help you prepare for your future

 

When you’re ready to take the next step, these products can help you build and protect your financial future with confidence.

Investments

Low cost investing, so more of your money is working for you. Take a look at some of our offers below or explore more of our investment products.

Choose your own

Confident making your own calls? Build your portfolio your way - with shares, funds, ETFs, and more. No account fees for our Stocks and Shares ISA and Share Dealing Account

Choose your own investments

Ready-Made Investments

Investments created and managed by financial experts. It's a smart way to invest with the potential to grow your money. No monthly account fees until 01 July 2026

Ready-Made Investments

Pensions

Help close the gender pension gap and look for ways to get more from your pension to prepare for your better future. Get to know your Scottish Widows workplace pension in the Scottish Widows app, or if you don’t have a workplace pension, take a look at some of our personal pension products.

Ready-Made Pension

New to pensions? Self employed? Our Ready-Made pension is simple to set up and manage in the app. Our experts invest your pension in a retirement portfolio for you so it has the best chance to grow.

Ready-Made Pension

Self-Invested personal Pension (SIPP)

If you’re a more confident investor, our SIPP could be a great option. You have plenty of investment choice to help your pension fund grow, including a Start-Up fund.

Self-Invested Personal Pension

Retirement options

When you are approaching retirement and looking to access your pension, there are a number of ways you can take your money. You may already have an idea of what could work best for you, but it's worth taking time out now to make sure you fully understand all of your pension options.

Your pension options

Please remember that the value of investments and the income from them can fall as well as rise, and you may get back less than you invest. If you’re not sure about investing, seek financial advice. There will normally be a charge for that advice. Tax treatment depends on individual circumstances and may be subject to change in the future.

Protection

At Scottish Widows, we offer a range of protection options designed to protect you and your family’s income, independence and future choices. This includes Life cover, Critical Illness cover and Income Protection. Find out more about the products we offer.

Life insurance

Thinking about life insurance isn’t always easy but having cover in place could make a real difference to the people you care about. Provide financial support for your loved ones if you die, helping protect their lifestyle and long-term security.

For a limited time, we’re offering £10,000 of free life insurance cover to keep you protected from the date you opt-in until 31st August 2026. This gives you the chance to explore protection with no cost and understand how life insurance could support your family if the unexpected happened. Offer Terms, Conditions and Exclusions apply.

Life insurance

Critical Illness cover

Get peace of mind. 

If you're diagnosed with an illness covered in your policy, you could get a cash lump sum to spend as you like. That way, you can focus on your health.

Critical Illness cover

Income Protection

Can’t work due to injury or illness? 

Income protection can help replace a proportion of your income if you’re unable to work, supporting everyday bills and commitments. 

Income Protection

Education

 

Women and Retirement report

For more than 20 years, Scottish Widows has written and released a report that focuses on women, their financial situation and the impacts they face saving for their retirement.

And after 21 years, our last Women and Retirement Report shows that there's still more work to do to close the widening gender pension gap. In our latest report, we explore the impact of career breaks on women's retirement outcomes and how better tools and guidance can help women make informed decisions about their pensions, savings and investments.

You can read the full Women & Retirement Report 2025 (PDF, 3MB) here to find out more about what’s driving this increased gap and the actions you can take to help close the gap.

You can also watch our report launch webinar and read our archived reports.

 

Be Money Well


To help you understand the impact of life’s money moments, we have a wide range of free learning and tools available on our Be Money Well website. Visit the site to get access to financial and digital skills that can help you manage your money and prepare for key life events.

 

Visit Be Money Well