Financial goals
Just because
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Thinking ahead
While having a financial goal in mind can help, it's okay if you don't.
Investing can be a great complement to your savings, especially when you know you won't need it for 5+ years. Putting money aside as part of a long-term strategy may just make sense for you, regardless of any specific goal.
Whatever the reason, it’s wise to consider the resources at your disposal. Utilising a tax-efficient wrapper like a Flexible Stocks & Shares ISA can be a great tax-free way to make the most out of your investments. Making use of currency wallets with your General Investment Account can be cost-effective when buying and selling shares priced in foreign currencies.
Even though you may not have a goal in mind, here are some investing considerations to help get you thinking.
Assess your financial situation
Take stock of your current living expenses, standing charges, cash savings, etc. This will help determine how much you can reasonably afford to invest.
Safety, Income, or Growth
Most goals fall within these three basic objectives. Even without a goal (e.g. buying a house), you can still consider which objective appeals to you most.
Your risk tolerance vs time horizon
How will you react if your portfolio decreases in value by 10% or even 20%, but you’re not thinking of using your investments for another 5-7 years? Your reaction will help you determine the types of stocks or funds that align with your comfort level.
And, if you’re interested in determining your goals for your investing strategy, then head to our Learn Hub for more guidance.
This information should not be used as personal or financial advice, please speak with a financial advisor if you're unsure if these products are right for you.
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Core
Plus
Premium
Core plan
£0
Always pay nothing for our Core plan. Our Core plan will always be £0/month.
Accounts
Easy access Cash ISA
General Investment Account
Flexible Stocks & Shares ISA
Self-invested Personal Pension
Benefits
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3,000+ US shares
Large-cap UK shares
400+ ETFs & Investment Trusts
2% interest on cash balances
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Plus plan
£10 £0
Get our Plus plan for £0/month for the first 3 months*, then pay up to £10/month.
Accounts
Easy access Cash ISA
General Investment Account
Flexible Stocks & Shares ISA
Self-invested Personal Pension
Benefits
Everything in Core
1,000+ Mutual Funds
Mid & Small-cap UK shares
AIM shares
USD & EUR wallets (GIA only)
OFFER
Premium plan
£25 £0
Get our Premium plan for £0/month for 12 months^, then pay up to £25/month.
Accounts
Easy access Cash ISA
General Investment Account
Flexible Stocks & Shares ISA
Self-invested Personal Pension
Benefits
Everything in Core and Plus
When you invest, your capital is at risk.
*Plus plan 3-month free promotion terms and conditions.
^Premium plan 12-month free promotion terms and conditions.
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When you invest, your capital is at risk.
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