Financial goals

Be prepared with rainy day funds

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Build your rainy day funds

Sometimes life happens but being prepared can make a huge difference. Having 3-6 months' worth of living expenses in a savings account is a smart way to ease some of the short-term pressure. Planning for what-if moments further out (5+ years) could be worthwhile through tax-efficient investing.

Short-term unplanned expenses

Industry experts suggest having 3-6 months’ worth of living expenses in accessible cash. Having this buffer can offer you peace of mind knowing that you'll be able to cover any surprises that come your way.

Planning for the long term

You may not be able to predict the future but planning for it is the next best thing. Building a balanced investment portfolio means you can focus on your long-term financial goals and prepare for the future.

Our investment accounts

Flexible Stocks & Shares ISA

Our flexible stocks & shares ISA is a tax-efficient way to save and invest up to £20,000 per year. Our flexible investment ISA allows you to access your money whenever you need it without affecting your remaining annual ISA allowance. If you put the money back in the same tax year as the withdrawal, your allowance is still protected and any earnings from your UK investment are exempt from both income and capital gains tax.

General Investment Account

Our general investment account can be a great way to Invest as much as you want, any time you like, with zero commission. If you’ve managed to reach your allowance in your flexible stocks & shares ISA, put any remaining money to work to help grow for when you need it. But be aware that the same tax benefits and advantages do not apply to a general investment account.