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These providers were selected through independent testing focused on guidance and user experience, examining 10 different scenarios across 5 portfolio sizes (£1,000 to £50,000), plus feedback from over 27,000 real customer reviews."}],"markDefs":[],"style":"normal"},{"_key":"7135402d1cc2","_type":"textboxWidget","image":{"_type":"mainImage","asset":{"_id":"image-073d6036d7cda4b3eeed63087fb21940c9a26234-940x788-png","_type":"sanity.imageAsset","_rev":"8sLbU849Ngr6bwLlcCP0V7","_createdAt":"2026-01-20T15:35:35Z","_updatedAt":"2026-01-20T15:35:35Z","assetId":"073d6036d7cda4b3eeed63087fb21940c9a26234","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"ePRftVtQ_4t7#=xtj[ahayj[~qf8IBfRI.f,ays.ofX7Mza}oujsbu","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.1928934010152283,"height":788,"width":940},"hasAlpha":false,"isOpaque":true,"lqip":"data:image/png;base64,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","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#232338","foreground":"#fff","population":5.02,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#bc143c","foreground":"#fff","population":0,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#232338","foreground":"#fff","population":5.02,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#cea5bf","foreground":"#000","population":0.79,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#fc70be","foreground":"#000","population":0.01,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#5c9084","foreground":"#fff","population":0.01,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#e32a6a","foreground":"#fff","population":1.37,"title":"#fff"}},"thumbHash":"OfgJBoDol3eId4h/hGaHWIiJO4q/QIg="},"mimeType":"image/png","originalFilename":"BF BEGINNER 2026 SQUARE (1).png","path":"images/k8qzcdw3/prod1503/073d6036d7cda4b3eeed63087fb21940c9a26234-940x788.png","sha1hash":"073d6036d7cda4b3eeed63087fb21940c9a26234","size":94452,"uploadId":"R6dCJaarKhn7DTwQTw4PRwsZ6WC0DqZg","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/073d6036d7cda4b3eeed63087fb21940c9a26234-940x788.png","filename":"BF BEGINNER 2026 SQUARE (1).png","width":940,"height":788,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/073d6036d7cda4b3eeed63087fb21940c9a26234-940x788.png?rect=208,0,525,788&w=%width%&h=%height%&q=80","id":"image-073d6036d7cda4b3eeed63087fb21940c9a26234-940x788-png","children":[],"parent":null},"blankAltTag":true},"imagePosition":"Top right","text":[{"_key":"a55603b0c588","_type":"block","children":[{"_key":"774dec28972d","_type":"span","marks":[],"text":"What are the Boring Money Best Buy Awards?"}],"markDefs":[],"style":"h3"},{"_key":"b2e99247f11c","_type":"block","children":[{"_key":"867b829342c3","_type":"span","marks":[],"text":"The Boring Money Best Buy Awards are independent rankings of UK investment platforms and providers, running for 9 consecutive years. 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But where Stocks & Shares ISAs really shine is that they're a great product for those that want to invest but are put off by the complex and confusing tax rules that come with other types of investment accounts - such as "},{"_key":"d6ab2ef2f3e2","_type":"span","marks":["25b8347b6913"],"text":"General Investment Accounts "},{"_key":"476af16f7177","_type":"span","marks":[],"text":"(GIAs). 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However, unlike the "},{"_key":"4956c9c2df35","_type":"span","marks":["dbabf6b93450"],"text":"Cash ISA"},{"_key":"929522354480","_type":"span","marks":[],"text":" (where your money sits idly, safe and steady in cash reserves) a Stocks & Shares ISA gives you exposure to the stock market - and all the inherent highs and lows that come with it. So maybe not for you if you're investing for a short period of time or you'd rather something with less risk."}],"markDefs":[{"_key":"493532faee4f","_type":"glossaryPick","reference":{"_ref":"7e951974-e67b-4048-a3bc-88252931b7e2","_type":"reference"}},{"_key":"dbabf6b93450","_type":"internalLinkPick","blank":true,"reference":{"_ref":"60f3a8e8-c55e-4ab7-9672-d1c79dd30efd","_type":"reference"}}],"style":"normal"},{"_key":"184d3fed24f2","_type":"block","children":[{"_key":"c874269636cf","_type":"span","marks":[],"text":"Despite all the bells and whistles, just 17% of UK adults hold a Stocks and Shares ISA account. Still not sure if they're right for you? Scroll down to delve into the pros and cons to help you decide. [1]"}],"markDefs":[],"style":"normal"},{"_key":"42ae7f95d77d","_type":"block","children":[{"_key":"065061ecf983","_type":"span","marks":[],"text":""},{"_key":"7b9a9b3830f3","_type":"mainAnchor","pageAnchor":{"_ref":"03489c0e-4cd2-48d7-8700-e6eb389280d6","_type":"reference"}},{"_key":"07f61339a933","_type":"span","marks":[],"text":"Is a Stocks & Shares ISA right for me?"}],"markDefs":[],"style":"h2"},{"_key":"b63a98b22f71","_type":"block","children":[{"_key":"0181f9cabb8f","_type":"span","marks":[],"text":"Deciding if a Stocks & Shares ISA is a good addition to your investment portfolio can be tricky, but it ultimately comes down to how long you're investing for and how much risk you're comfortable with. Have a peek at the pros and cons of Stocks & Shares ISAs in the table below to work out if they're right for you."}],"markDefs":[],"style":"normal"},{"_key":"5a9beb608fb1","_type":"prosConsWidget","cons":["You'll need access to your money soon","You have credit card debt to pay off","You'll faint if markets have a bad year"],"consTitle":"Bad if","pros":["Want to invest without worrying about tax","You have an investing timeframe of 5 years+","Interest rates are low"],"prosTitle":"Good if"},{"_key":"dde5d08dbd96","_type":"block","children":[{"_key":"55f7770c12ac","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1caf5b9fb5e4","_type":"block","children":[{"_key":"61c9b3627352","_type":"span","marks":[],"text":""},{"_key":"8e14b4983241","_type":"mainAnchor","pageAnchor":{"_ref":"61abfcc5-ca28-406e-af55-8b50ff2af72f","_type":"reference"}},{"_key":"84a693f93c0b","_type":"span","marks":[],"text":"Stock markets vs cash"}],"markDefs":[],"style":"h2"},{"_key":"39edf33f9f39","_type":"block","children":[{"_key":"900d8b1f1e5d","_type":"span","marks":["strong"],"text":"If you had put £1,000 away in 2014, what would it be worth by Q2 2026?"}],"markDefs":[],"style":"normal"},{"_key":"0427d38014c8","_type":"block","children":[{"_key":"0cb657307e7c","_type":"span","marks":[],"text":"The graph below shows you a recent example of how cash has performed compared to stock market shares. For the purposes of this illustration, we've looked at the growth of a single £1,000 lump sum investment in cash and in two stock market indices: the "},{"_key":"f1915286e2d0","_type":"span","marks":["f365db81b024"],"text":"FTSE 100"},{"_key":"5adc2e3f2dd3","_type":"span","marks":[],"text":" and "},{"_key":"2c863edac773","_type":"span","marks":["405dad0129e4"],"text":"MSCI World"},{"_key":"6b6977283874","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"f365db81b024","_type":"glossaryPick","reference":{"_ref":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"reference"}},{"_key":"405dad0129e4","_type":"glossaryPick","reference":{"_ref":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"reference"}}],"style":"normal"},{"_key":"bf50d697e081","_type":"block","children":[{"_key":"1e67ab98fc3e","_type":"span","marks":[],"text":"It's clear to see that leaving your money in cash (pink) led to significantly less growth over the period between 2014 and 2026 than if you had invested in stock markets. And although the British FTSE 100 Index (blue) didn't perform quite as well as MSCI World (green), it still climbed by a whopping £2,469- compared to gains of just £1,221 from cash over the same time period. 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Imagine you hear on the news that the property market is down 3% in your area. Do you freak out, run for the hills and stockpile baked beans? No – only if you don't have a choice and "},{"_key":"aad09a6b9855","_type":"span","marks":["em"],"text":"have "},{"_key":"acc88a1b29a6","_type":"span","marks":[],"text":"to sell that year. Otherwise, you sit tight and wait for the market to recover. "}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"29e5815ac3a7","_type":"block","children":[{"_key":"706f02f0f1f2","_type":"span","marks":[],"text":"FREE TOOL: Not sure which ISA or pension is right for you?"}],"markDefs":[],"style":"h4"},{"_key":"413101212e38","_type":"block","children":[{"_key":"689ff7bc39ee","_type":"span","marks":[],"text":"Answer 6 questions. Get 3 tailored recommendations. 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Every UK adult can put up to £20,000 in per tax year, and your money stays tax-free for as long as it's invested."}],"markDefs":[{"_key":"b43f1343f001","_type":"glossaryPick","reference":{"_ref":"43ececc2-2ff3-43e8-932b-b412f2145213","_type":"reference"}}],"style":"normal"},{"_key":"3b99dd5a2884","_type":"block","children":[{"_key":"6e63c11c9ce0","_type":"span","marks":[],"text":"Unlike a "},{"_key":"50cfc1d9ad04","_type":"span","marks":["3f03851c4f49"],"text":"Cash ISA"},{"_key":"484972727fd3","_type":"span","marks":[],"text":", your money is exposed to market ups and downs, so it works best for people with a five-year-plus investing horizon who can ride out any rough patches. The trade-off is that historically, stock markets have significantly outperformed cash over the long term."}],"markDefs":[{"_key":"3f03851c4f49","_type":"internalLinkPick","blank":true,"reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"}}],"style":"normal"},{"_key":"b7e136ab9820","_type":"block","children":[{"_key":"e7c84e6881c2","_type":"span","marks":[],"text":"You can get started from as little as £1 a month, and withdrawals are flexible. 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Your total contributions across all ISAs still cannot exceed the £20,000 annual allowance."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How many Stocks & Shares ISAs can I have?"},{"_key":"d6557798f95aae9166dd47b671371b8e","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"0b1b81b8fced","_type":"block","children":[{"_key":"647035ac2f9b","_type":"span","marks":["strong"],"text":"Can you have a Cash ISA and a Stocks & Shares ISA?"}],"markDefs":[],"style":"normal"},{"_key":"a1239342ef07","_type":"block","children":[{"_key":"346684e6e919","_type":"span","marks":[],"text":"Yes. You can hold both a Cash ISA and a Stocks & Shares ISA at the same time, and since April 2024 you can pay into both in the same tax year. The only rule is that your combined contributions across all ISAs cannot exceed the £20,000 annual allowance. So you could, for example, put £10,000 into a Cash ISA and £10,000 into a Stocks & Shares ISA in the same year."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Can you have a Cash ISA and a Stocks & Shares ISA?"},{"_key":"0d14c9611d066edde1521f2b24f4fbcf","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"52b735920f83","_type":"block","children":[{"_key":"0b8cd50ae7ab","_type":"span","marks":["strong"],"text":"Do you pay tax on a Stocks & Shares ISA?"}],"markDefs":[],"style":"normal"},{"_key":"5d4063f23a01","_type":"block","children":[{"_key":"8f76784ceccf","_type":"span","marks":[],"text":"No. Any profits, dividends, and interest earned inside a Stocks & Shares ISA are completely tax-free. 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The money is locked away until the child turns 18, at which point it automatically becomes an adult ISA in their name."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Junior ISA (JISA)?"},{"_key":"0e5b360c1ca13ed038e25611bbb8c547","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"8ae67a45fc6b","_type":"block","children":[{"_key":"448c61fc6b6e","_type":"span","marks":["strong"],"text":"What is a Lifetime ISA (LISA)?"}],"markDefs":[],"style":"normal"},{"_key":"4b58fdf762ee","_type":"block","children":[{"_key":"33eb5833fabe","_type":"span","marks":[],"text":"A Lifetime ISA is a government-backed account for adults aged 18–39, designed to help you save either for your first home or for retirement. You can save up to £4,000 per year, and the government adds a 25% bonus on top, up to £1,000 a year. 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Free, unbiased, no provider pays for inclusion."}],"markDefs":[],"style":"normal"}],"publishedAt":"2026-08-25T13:52:13.924Z","slug":{"_type":"slug","current":"isa-pension-finder"},"subfolder":{"_ref":"296cd157-5755-403a-80a5-cc8dafb6dc99","_type":"reference"},"title":"Which ISA or Pension is right for you? Free 2-Minute Finder Tool | Boring Money","id":"-f2831a00-2ebb-5d7c-9880-dc5cf5bcb7f5","children":[],"parent":null},"text":"FIND MY ISA"},{"_key":"50f10f0f6a8a","_type":"block","children":[{"_key":"0876d3b43bc1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c3ec473a32f","_type":"block","children":[{"_key":"9342c0a6ccfa","_type":"span","marks":[],"text":"Shares and investing in the stock market are kind of the same. Unless you need to sell at that very point in time, you can sit tight and ride out the bad times, only selling when the markets are more in your favour. "}],"markDefs":[],"style":"normal"},{"_key":"b02b151be7de","_type":"block","children":[{"_key":"738702b1f9bc","_type":"span","marks":[],"text":"This is why timeframes matter so much. If you know you'll need to cash in within 12 months, stick it in the stock market anyway, and then some unfortunate force sends markets tumbling... well, you’re stuffed and your back’s against the wall. You'll have to withdraw your cash during a dip. But if you can park your money for longer - say, 5 years or more - it’s much less likely you'll have to sell when things are rubbish."}],"markDefs":[],"style":"normal"},{"_key":"4249037765fa","_type":"block","children":[{"_key":"53725bd4af3b0","_type":"span","marks":[],"text":"As a very loose rule of thumb, expecting to make about 5% a year from a diversified portfolio (that is, essentially, a mixed bag) of investments should be achievable. Some years it could be 20%, some years it could be minus 20%. An important rule for investing is to avoid needing to be a forced seller in bad years, so the longer you give yourself to invest, the greater your ability to ride out any rough patches and cash in on your own terms - hopefully once you've made a decent profit!"}],"markDefs":[],"style":"normal"},{"_key":"b498c1bc502f","_type":"textboxWidget","image":{"_type":"mainImage","asset":{"_ref":"image-5ed7e4bf99e8196fa217894330eaef10e1131ccc-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","text":[{"_key":"f41512cd32a0","_type":"block","children":[{"_key":"2c6df9dcfbed","_type":"span","marks":[],"text":"Ready to open a Stocks & Shares ISA? "},{"_key":"53224b100cf8","_type":"span","marks":["8adc85d93860"],"text":"IG"},{"_key":"bcc74a0e71c1","_type":"span","marks":[],"text":" is one of the most trusted names in investing — FTSE 100-listed with over 50 years of market experience and 2 million+ clients worldwide."}],"markDefs":[{"_key":"8adc85d93860","_type":"internalLinkPick","blank":true,"reference":{"_ref":"bf801acc-58b0-48b5-8bd6-bd019ffc8e03","_type":"reference"}}],"style":"normal"},{"_key":"d1673ebd6b5a","_type":"block","children":[{"_key":"5ad550463c3e","_type":"span","marks":[],"text":"With an "},{"_key":"c9fcb23cc659","_type":"span","marks":["0cd2f6ebfdf1"],"text":"IG Stocks & Shares ISA"},{"_key":"61d683b50b16","_type":"span","marks":[],"text":", you get access to 17,000+ global markets — one of the largest offerings available — so whether you're just starting out or building a diversified portfolio, you'll never be short of options."}],"markDefs":[{"_key":"0cd2f6ebfdf1","_type":"internalLinkPick","blank":true,"reference":{"_ref":"bf801acc-58b0-48b5-8bd6-bd019ffc8e03","_type":"reference"}}],"style":"normal"},{"_key":"2751a85de2bd","_type":"block","children":[{"_key":"e7cabc737e77","_type":"span","marks":[],"text":"New to IG? Get "},{"_key":"331d19f4e6ea","_type":"span","marks":["strong"],"text":"5% AER"},{"_key":"190246e9e4ad","_type":"span","marks":[],"text":" on your uninvested ISA cash while you decide where to invest (T&Cs apply)."}],"markDefs":[],"style":"normal"},{"_key":"b14f7c38c9d3","_type":"block","children":[{"_key":"2f5d0506d7c6","_type":"span","marks":[],"text":"When you're ready to dive deeper, IG has you covered with "},{"_key":"aef5879f8e76","_type":"span","marks":["strong"],"text":"industry-leading education"},{"_key":"78189b3c8827","_type":"span","marks":[],"text":" through IG Academy, plus"},{"_key":"4aa70fb0f3a0","_type":"span","marks":["strong"],"text":" advanced charting tools"},{"_key":"9284372ac7ba","_type":"span","marks":[],"text":" via ProRealTime and TradingView for when you want to take a more hands-on approach."}],"markDefs":[],"style":"normal"},{"_key":"212b1976d129","_type":"block","children":[{"_key":"65dd11b69550","_type":"span","marks":["299a017cc91f"],"text":"Invest in shares, ETFs, and funds"},{"_key":"e1bc555c21c0","_type":"span","marks":[],"text":" — all tax-free within your annual £20,000 ISA allowance."}],"markDefs":[{"_key":"299a017cc91f","_type":"internalLinkPick","blank":true,"reference":{"_ref":"bf801acc-58b0-48b5-8bd6-bd019ffc8e03","_type":"reference"}}],"style":"normal"},{"_key":"f671aeabc348","_type":"block","children":[{"_key":"151a6be4871d","_type":"span","marks":["strong"],"text":"Capital at risk. 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So first up, don’t lose your mind and chase daft things like Bitcoin, gambling and spivvy schemes. Investing ultimately comes down to backing decent companies which do things you can get your head around and which make a profit, or have a damn good plan which will "},{"_key":"8a32973014ba","_type":"span","marks":["em"],"text":"make "},{"_key":"97946f0a6356","_type":"span","marks":[],"text":"them a profit. It’s like Dragon’s Den but on a larger scale."}],"markDefs":[],"style":"normal"},{"_key":"1d6886405254","_type":"block","children":[{"_key":"268a63f04360","_type":"span","marks":[],"text":"Some companies won’t make it. They won't hit oil, get that patent, or they'll suffer at the hands of an inept CEO. And if you're putting all your money behind that one company, then you're potentially losing a lot of it when its shares start to fall. That's why another of the most important rules of investing is to diversify and spread your money around a mix of different investments, so you can minimise your exposure to any one bad apple. 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Would you sleep better at night knowing there's virtually no risk in losing any capital? Then a Cash ISA is probably better for you. 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This means basic rate taxpayers get 20% tax relief, while higher rate taxpayers get 40% and additional rate taxpayers get a whopping 45% if they claim the rest via their self-assessment tax return. So a higher rate taxpayer would only need to put 60p into their SIPP to receive 40p in tax relief and take the total to a full pound! Fab. 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This threshold will increase to 57 years old from 2028 and there's a good chance it will continue to rise to reflect an ageing population and similar changes to the State Pension age."}],"markDefs":[],"style":"normal"},{"_key":"7d59da91fec5","_type":"block","children":[{"_key":"30984b039238","_type":"span","marks":[],"text":"You can take up to 25% as a tax-free lump sum"}],"markDefs":[],"style":"h4"},{"_key":"c68a6e98d419","_type":"block","children":[{"_key":"1adeeec6638c","_type":"span","marks":[],"text":"As with most pension schemes, from the age of 55 onwards you can withdraw 25% of the value of your SIPP - up to a maximum of £268,275 - tax-free. Anything beyond this amount will be included as part of your taxable income and may be liable for tax such as "},{"_key":"88847797eefe","_type":"span","marks":["bb39c88a96c3"],"text":"Income Tax"},{"_key":"56b1f7a09661","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"bb39c88a96c3","_type":"internalLinkPick","reference":{"_ref":"cfbae5f9-09e2-4ebd-b540-7b2843cb6161","_type":"reference"}}],"style":"normal"},{"_key":"2cb96b7ec4c8","_type":"block","children":[{"_key":"e96f2ca342ec","_type":"span","marks":[],"text":"You can convert your savings into drawdown or an annuity"}],"markDefs":[],"style":"h4"},{"_key":"9e9aeac6f9b1","_type":"block","children":[{"_key":"5479e5c6bf2a","_type":"span","marks":[],"text":"When you're ready to retire, you have a choice between opting for "},{"_key":"253dd877c385","_type":"span","marks":["0cb4416ebeef"],"text":"drawdown"},{"_key":"0fa061f3de11","_type":"span","marks":[],"text":" (taking chunks out of your savings at your discretion) or purchasing an "},{"_key":"c1fa7371cd57","_type":"span","marks":["58fcf70be682"],"text":"annuity"},{"_key":"ad97d29b6eed","_type":"span","marks":[],"text":" (a guaranteed annual income paid out of your pot). SIPPs can accommodate either but it's crucial to check whether your chosen provider offers the route you want to take, as some are limited to only drawdown schemes or only annuities. It's best to check this "},{"_key":"cb1a3b0ee27f","_type":"span","marks":["em"],"text":"before"},{"_key":"04c8c80479d8","_type":"span","marks":[],"text":" you start saving into a SIPP so you don't end up having to make last-minute transfers in the run-up to retirement!"}],"markDefs":[{"_key":"0cb4416ebeef","_type":"internalLinkPick","reference":{"_ref":"30c293dd-a614-4253-a4c2-ed4b64cdd9ac","_type":"reference"}},{"_key":"58fcf70be682","_type":"internalLinkPick","reference":{"_ref":"18cc7a4b-b423-47ee-8759-5fa886b087d6","_type":"reference"}}],"style":"normal"},{"_key":"abdbbd3e1f3a","_type":"block","children":[{"_key":"6805c4c7eb35","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"4874100ec44d","_type":"block","children":[{"_key":"395616f61b23","_type":"span","marks":["strong"],"text":"Drawdown vs annuity: Which is best for you?"}],"markDefs":[],"style":"normal"}],"_key":"bfb143359578","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_id":"79fcc0a0-e069-4ec5-b1ea-8a6a48d6fb5e","_type":"post","_rev":"ls4mEdDrfYkIjjE6OVKgr9","_createdAt":"2022-10-03T07:57:27Z","_updatedAt":"2026-07-29T16:07:19Z","_system":{"base":{"id":"79fcc0a0-e069-4ec5-b1ea-8a6a48d6fb5e","rev":"1Upl3GR1y85N2ycGQrRWqb"}},"authors":[{"_key":"df39fc759dba","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"a5a2b5657079","_type":"block","children":[{"_key":"d9d882c6f008","_type":"span","marks":[],"text":"Written by "},{"_key":"6acba92dc9ae","_type":"span","marks":["strong","dad580afd0dc"],"text":"Boring Money"}],"markDefs":[{"_key":"dad580afd0dc","_type":"internalLinkPick","blank":true,"reference":{"_ref":"d303d967-e483-4761-b7bf-65760d5b1b66","_type":"reference"}}],"style":"normal"}],"body":[{"_key":"d3f08c30eed2","_type":"block","children":[{"_key":"8a6d152e401b","_type":"span","marks":["strong"],"text":"There are two main ways to access your pension when you retire: 'drawdown', where you dip into your pot as and when you need it, or an 'annuity', where you swap your savings for a guaranteed income for life (or a fixed period of time). Here's how each one works, and how to figure out which suits you."}],"markDefs":[],"style":"normal"},{"_key":"0c3368685a8c","_type":"mainImage","alt":"Annuity vs drawdown: 3 things to keep in mind to find the right pension for you","asset":{"_ref":"image-cf83c5788718de29326400470bdd01ad0efa2366-2880x1620-png","_type":"reference"}},{"_key":"e103b11c3e88","_type":"block","children":[{"_key":"514e5a2e11ca","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"85ac2ad00090","_type":"block","children":[{"_key":"eaeb5b39e43b","_type":"span","marks":[],"text":"An annuity gives you certainty, meaning our income is guaranteed. Drawdown gives you flexibility, so you control how much you take and when. But which one is really best for you? In this article, we explain the basics of pension drawdown and annuities, why annuity rates have been rising and three things to think about when choosing between the two."}],"markDefs":[],"style":"normal"},{"_key":"2fe8d3949b6a","_type":"block","children":[{"_key":"5bdcc8950700","_type":"span","marks":[],"text":""},{"_key":"8eb020fbc672","_type":"mainAnchor","pageAnchor":{"_ref":"716b042f-b58e-4e97-8895-e2d260c29c19","_type":"reference"}},{"_key":"e30baa4b56e9","_type":"span","marks":[],"text":"What is a drawdown?"}],"markDefs":[],"style":"h2"},{"_key":"cd6f6dc387b4","_type":"block","children":[{"_key":"e6b1ec08c969","_type":"span","marks":["strong"],"text":"Pension drawdown lets you take a flexible income from your pension while keeping the rest invested. You can take up to 25% tax-free, then withdraw money as and when you need it, taxed as income. Because your pot stays invested, it can keep growing - but its value can also fall, so your income isn't guaranteed"},{"_key":"ac8f7e7def02","_type":"span","marks":[],"text":"."}],"markDefs":[],"style":"normal"},{"_key":"a1dea23241b4","_type":"block","children":[{"_key":"d9e7f5a410b0","_type":"span","marks":[],"text":"Pension drawdown is a way of taking flexible income from your pension savings. It allows you to draw some money from your pot while leaving the rest of it invested - basically, not taking it all out at once. It's sometimes referred to as 'flexible income' or 'flexi-access drawdown' and is a popular way of accessing retirement savings.  "}],"markDefs":[],"style":"normal"},{"_key":"91a064be4905","_type":"block","children":[{"_key":"7a0d94a9ecba","_type":"span","marks":[],"text":"When you access your pension, you can take out up to a quarter (25%) as tax-free cash or 25% of each withdrawal tax-free. The rest of it can remain invested, meaning it may continue to generate growth and boost the overall value of your pot. "}],"markDefs":[],"style":"normal"},{"_key":"cc296adbac62","_type":"block","children":[{"_key":"068869ea6d32","_type":"span","marks":[],"text":"However, as is always the case with investing, the value of the remaining invested part of your pension can go down as well as up - so your income is not 100% guaranteed."}],"markDefs":[],"style":"normal"},{"_key":"64388aee5f2d","_type":"block","children":[{"_key":"6d06f7061923","_type":"span","marks":[],"text":"As well as this, any money you withdraw after taking your 25% tax-free lump sum will be taxable as earnings in the tax year you take them. This means it will be liable for"},{"_key":"f917c6c3a38f","_type":"span","marks":["2b0dd075c58b"],"text":" Income Tax "},{"_key":"24e3a9089060","_type":"span","marks":[],"text":"if your total income for the year exceeds the £12,570 annual allowance."}],"markDefs":[{"_key":"2b0dd075c58b","_type":"internalLinkPick","reference":{"_ref":"cfbae5f9-09e2-4ebd-b540-7b2843cb6161","_type":"reference"}}],"style":"normal"},{"_key":"6bf8e6e9a631","_type":"block","children":[{"_key":"9c90efc493e6","_type":"span","marks":[],"text":"Nevertheless, pension drawdown allows you to be flexible with your retirement income. If you need to spend more in one year, you can increase the amount of money you draw from your pot. On the other hand, if you need less in another year, you could reduce the amount you withdraw and lower your tax bill in the process. "}],"markDefs":[],"style":"normal"},{"_key":"42797a4ad199","_type":"block","children":[{"_key":"eddf784e1e11","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6b74ebb53fc8","_type":"blockQuote","adviserLink":{"_ref":"08287788-27fc-47aa-8797-356964cf4db7","_type":"reference"},"adviserName":"Dennis Hall","jobTitle":"Chartered Financial Planner","photo":{"_type":"mainImage","alt":"Chartered Financial Planner Dennis Hall on who a drawdown pension is best suited to","asset":{"_ref":"image-1848cbd4480bba43a3cc755623f82baf0aecd731-500x500-jpg","_type":"reference"}},"quote":[{"_key":"f368a55ed5ee","_type":"block","children":[{"_key":"a017b8a72c280","_type":"span","marks":[],"text":"Drawdown suits people who may have a need for an uneven income profile in retirement, combined with a capacity for volatility. People who may want to spend more in the early years of retirement, for travelling and activities, etc, but then expect that expenditure to tail off as they get older."}],"markDefs":[],"style":"normal"}]},{"_key":"c7e5238b4f9d","_type":"block","children":[{"_key":"abc5da03bdb7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"17d255ffa878","_type":"block","children":[{"_key":"5e7a71053bbd","_type":"span","marks":[],"text":"You need to plan carefully how to use pension drawdown as there's a risk of running out of money if you spend too much too soon. The government's MoneyHelper website has a handy calculator that can help you estimate how much income you could take out of your pension every year "},{"_key":"afabf2fd93a6","_type":"span","marks":["a710a24050b8"],"text":"here"},{"_key":"25b45b48d89f","_type":"span","marks":[],"text":". "}],"markDefs":[{"_key":"a710a24050b8","_type":"internalLinkPick","blank":true,"reference":{"_ref":"f531a247-3ceb-4049-8cc3-c24fd3395519","_type":"reference"}}],"style":"normal"},{"_key":"01de86660641","_type":"block","children":[{"_key":"1aa2b09a54db","_type":"span","marks":[],"text":"If you're approaching retirement and considering pension drawdown, it's usually wise to discuss your options with a qualified financial adviser who can assess your situation and advise on the best course of action for you. You can search for an adviser using our "},{"_key":"36797d5c92f9","_type":"span","marks":["d95d892e64d7"],"text":"directory"},{"_key":"d8c0e8308aee","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"d95d892e64d7","_type":"internalLinkPick","reference":{"_ref":"63a19438-721c-4042-b811-f8f2af951e0e","_type":"reference"}}],"style":"normal"},{"_key":"f43ff79e29e2","_type":"block","children":[{"_key":"f6d3f3fae2b7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"01b3abd8a10c","_type":"block","children":[{"_key":"12876a25fbb2","_type":"span","marks":[],"text":""},{"_key":"12523123fa59","_type":"mainAnchor","pageAnchor":{"_ref":"077b15f0-a83b-4f98-9249-995c34f4a082","_type":"reference"}},{"_key":"a0d069216154","_type":"span","marks":[],"text":"What is an annuity?"}],"markDefs":[],"style":"h2"},{"_key":"a6a726af3dac","_type":"block","children":[{"_key":"0232b3136cda","_type":"span","marks":["strong"],"text":"An annuity is when you exchange your pension savings for a guaranteed, fixed income - either for life or a set period. Providers use your money to generate returns, often via government bonds, so rates tend to rise when interest rates rise. There are several types, including lifetime, fixed-term, investment-linked, inflation linked and enhanced annuities."}],"markDefs":[],"style":"normal"},{"_key":"3d381a8933a3","_type":"block","children":[{"_key":"d001fb434699","_type":"span","marks":[],"text":"Buying an annuity is a way of exchanging your pension savings for a fixed, ongoing annual payment. You can use an annuity to secure a guaranteed yearly income for the rest of your life or for a specified period."}],"markDefs":[],"style":"normal"},{"_key":"7d8019b5da8f","_type":"block","children":[{"_key":"85b87ca56cfd","_type":"span","marks":[],"text":"Annuity providers typically buy government"},{"_key":"1f7fbefa10fd","_type":"span","marks":["25641aededf4"],"text":" bonds"},{"_key":"3d1a82901364","_type":"span","marks":[],"text":" (called \""},{"_key":"28008779b9a7","_type":"span","marks":["cb4c577fd66f"],"text":"gilts"},{"_key":"2bd009d31d11","_type":"span","marks":[],"text":"\" in the UK) to generate returns. If "},{"_key":"1a0e7e3fbc05","_type":"span","marks":["08053b6dae18"],"text":"interest rates"},{"_key":"63c376fcd403","_type":"span","marks":[],"text":" are high, this pushes these returns up. So a rise in interest rates equals a rise in annuity rates, in theory, and should translate to more bang for your buck."}],"markDefs":[{"_key":"25641aededf4","_type":"internalLinkPick","blank":true,"reference":{"_ref":"ef452672-20b7-4540-9f6a-d2c7bd3c8542","_type":"reference"}},{"_key":"cb4c577fd66f","_type":"glossaryPick","reference":{"_ref":"3f677622-19d4-4151-8dd9-36f55a8fb426","_type":"reference"}},{"_key":"08053b6dae18","_type":"glossaryPick","reference":{"_ref":"7a12b162-9c66-48e7-90c1-293196d523bb","_type":"reference"}}],"style":"normal"},{"_key":"ed4a0cb60701","_type":"block","children":[{"_key":"0c27ab96bccb","_type":"span","marks":[],"text":"Annuities are sold by insurance companies and there are a range of different types on the market, including:"}],"markDefs":[],"style":"normal"},{"_key":"4f3932a27651","_type":"block","children":[{"_key":"d539dd1d0742","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0166734b47fb","_type":"tableControl","rows":[{"_key":"aab13449b2c8","_type":"row","cells":[{"_key":"dc714177477b","_type":"cell","tableStyle":"DB","value":[{"_key":"7b70c07d526e","_type":"block","children":[{"_key":"62063a470ffc","_type":"span","marks":["strong"],"text":"Lifetime"}],"markDefs":[],"style":"normal"}]},{"_key":"888e91a1f427","_type":"cell","tableStyle":"DB","value":[{"_key":"76f3d06db543","_type":"block","children":[{"_key":"29d4af76a5fb","_type":"span","marks":["strong"],"text":"Fixed-term"}],"markDefs":[],"style":"normal"}]},{"_key":"a7fc470d6ebd","_type":"cell","tableStyle":"DB","value":[{"_key":"ff4ea7a62e8a","_type":"block","children":[{"_key":"2a444350d8da","_type":"span","marks":["strong"],"text":"Enhanced"}],"markDefs":[],"style":"normal"}]},{"_key":"3cc6c24ef087","_type":"cell","tableStyle":"DB","value":[{"_key":"fdad6114afa0","_type":"block","children":[{"_key":"fff7eeaf5e48","_type":"span","marks":["strong"],"text":"Investment-linked"}],"markDefs":[],"style":"normal"}]},{"_key":"df1e3b09f34c","_type":"cell","tableStyle":"DB","value":[{"_key":"70233616f584","_type":"block","children":[{"_key":"395b4524fa29","_type":"span","marks":["strong"],"text":"Inflation-linked"}],"markDefs":[],"style":"normal"}]},{"_key":"9eae6325dbce","_type":"cell","tableStyle":"DB","value":[{"_key":"0ef7aade6e2b","_type":"block","children":[{"_key":"2602b9613f05","_type":"span","marks":["strong"],"text":"Purchased life"}],"markDefs":[],"style":"normal"}]}]},{"_key":"7cb078bae677","_type":"row","cells":[{"_key":"7bc0e2a7b075","_type":"cell","tableStyle":"W","value":[{"_key":"fefc2b3b26d3","_type":"block","children":[{"_key":"0d753af7d971","_type":"span","marks":[],"text":"This pays a guaranteed income for the rest of your life. It ensures you don’t run out of money during retirement, but it is an irreversible decision, meaning once you purchase it, you cannot change your mind."}],"markDefs":[],"style":"normal"}]},{"_key":"cba6cce1235d","_type":"cell","tableStyle":"W","value":[{"_key":"2f3f93085a3c","_type":"block","children":[{"_key":"e052ca0d363c","_type":"span","marks":[],"text":"Pays a guaranteed income for a set period of time, e.g. 10 years. It also ensures you get a lump sum at the end of the term, which is agreed upon before purchase."}],"markDefs":[],"style":"normal"}]},{"_key":"0c65bd0dd8ee","_type":"cell","value":[{"_key":"37e1ccf28ad4","_type":"block","children":[{"_key":"bc5e3974ec81","_type":"span","marks":[],"text":"Also called 'Impaired', this is aimed at those diagnosed with an illness or health problem that could reduce your life expectancy. This may mean the amount in of income you receive from your pension will increase."}],"markDefs":[],"style":"normal"}]},{"_key":"41637021182a","_type":"cell","value":[{"_key":"331e3559c15d","_type":"block","children":[{"_key":"e1f24648393c","_type":"span","marks":[],"text":"This is where part of your income is guaranteed and linked to investment performance. Payments may increase and decrease monthly depending on the value of the investment."}],"markDefs":[],"style":"normal"}]},{"_key":"ea6004ee0a12","_type":"cell","tableStyle":"W","value":[{"_key":"53b6a671ea4b","_type":"block","children":[{"_key":"d6dd892764b3","_type":"span","marks":[],"text":"Increases your income annually, typically in line with the typical inflation benchmark Retail Price Index (RPI) or Consumer Prices Index (CPI). This offers protection against rising costs."}],"markDefs":[],"style":"normal"}]},{"_key":"43827421f4a1","_type":"cell","tableStyle":"W","value":[{"_key":"ac5b156024b0","_type":"block","children":[{"_key":"0bcecd345250","_type":"span","marks":[],"text":"A type of lifetime annuity purchased which is purchased with a lump sum of money from outside your pension. It provides a regular stream of income for the rest of your life.\n"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"Types of annuity"},{"_key":"3c76947656b7","_type":"block","children":[{"_key":"5d65ec61571b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8557d27dd8cd","_type":"block","children":[{"_key":"f702c63d5a8a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1f4b56983f72","_type":"block","children":[{"_key":"58aff7c0dfd9","_type":"span","marks":[],"text":"A lifetime annuity, for example, pays a guaranteed income based on the value of your pension savings for the rest of your life. A fixed-term annuity, on the other hand, pays this income over a pre-agreed length of time - typically between 5 to 10 years. "}],"markDefs":[],"style":"normal"},{"_key":"68a0be43ad31","_type":"block","children":[{"_key":"e2f375d29bcc","_type":"span","marks":[],"text":"Other types of annuity come with additional features. For instance, an enhanced or impaired life annuity can provide a higher annual income for those with serious pre-existing health conditions. Some enable you to include spousal protection, whereby your spouse or civil partner receives a predetermined amount of income in the event that you pass away."}],"markDefs":[],"style":"normal"},{"_key":"a667fd385d9c","_type":"block","children":[{"_key":"9ac17cf901b6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"998c8ac285be","_type":"blockQuote","adviserLink":{"_ref":"08287788-27fc-47aa-8797-356964cf4db7","_type":"reference"},"adviserName":"Dennis Hall","jobTitle":"Chartered Financial Planner","photo":{"_type":"mainImage","alt":"Chartered Financial Planner Dennis Hall on who an annuity is best suited to","asset":{"_ref":"image-1848cbd4480bba43a3cc755623f82baf0aecd731-500x500-jpg","_type":"reference"}},"quote":[{"_key":"245e7becaffb","_type":"block","children":[{"_key":"06a0660526380","_type":"span","marks":[],"text":"Annuities suit people who are looking for an element of certainty in their finances. They won’t necessarily purchase an annuity with their whole pension fund but may want to ensure their basic costs of living are covered by a guaranteed income. They could even choose to have a fixed level of annual increase or increases linked to the retail price index (RPI)."}],"markDefs":[],"style":"normal"}]},{"_key":"0743d7336cc9","_type":"block","children":[{"_key":"adea9dc9e1aa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"014f795802c8","_type":"block","children":[{"_key":"940942638f6d","_type":"span","marks":[],"text":""},{"_key":"78d96014ca5a","_type":"mainAnchor","pageAnchor":{"_ref":"c0169b4c-2b0b-4fa3-97eb-92295f534082","_type":"reference"}},{"_key":"ec1533b334d2","_type":"span","marks":[],"text":"Drawdown vs annuity: what does each look like in practice?"}],"markDefs":[],"style":"h2"},{"_key":"ec13220107ef","_type":"block","children":[{"_key":"7a9d76f8ee31","_type":"span","marks":[],"text":"Let's look at some examples of how different financial needs can affect whether drawdown or annuity is best for you."}],"markDefs":[],"style":"normal"},{"_key":"e3845b90a9f5","_type":"block","children":[{"_key":"4abd1cce81b9","_type":"span","marks":[],"text":"Meet Linda and Robert. Linda and Robert are both 66 years old and recently retired with pension pots of £300,000 each. They have different retirement goals and financial attitudes, which led them to make different choices for accessing their pension savings."}],"markDefs":[],"style":"normal"},{"_key":"9f11bb4044d4","_type":"block","children":[{"_key":"d57e6b2b05ae","_type":"span","marks":[],"text":"Here's how their choices (drawdown for Linda, annuity for Robert) play out in practice:"}],"markDefs":[],"style":"normal"},{"_key":"a68de1e1376c","_type":"block","children":[{"_key":"a4a37d1f197f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8069b76e9436","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"33685f546f98","_type":"block","children":[{"_key":"e0fcfd342b16","_type":"span","marks":[],"text":"Linda's choice: Drawdown"}],"markDefs":[],"style":"h3"},{"_key":"a8ed63149e1f","_type":"block","children":[{"_key":"fcfa6729ceda","_type":"span","marks":[],"text":"Linda is an active retiree who plans to travel extensively during her early retirement years before settling into a quieter lifestyle later. She values flexibility and has a moderate risk tolerance."}],"markDefs":[],"style":"normal"},{"_key":"0e7760e82078","_type":"block","children":[{"_key":"33fd21efa020","_type":"span","marks":[],"text":"Linda's approach:"}],"markDefs":[],"style":"h4"},{"_key":"46c029d0fbec","_type":"block","children":[{"_key":"8611cbcf9949","_type":"span","marks":[],"text":"Takes 25% tax-free lump sum: £75,000"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"faaf6b6599b7","_type":"block","children":[{"_key":"5db3cb303d17","_type":"span","marks":[],"text":"Keeps remaining £225,000 invested in a diversified portfolio"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b6ba9cbea77f","_type":"block","children":[{"_key":"d0a2739b7aa5","_type":"span","marks":[],"text":"Plans to withdraw variable amounts:"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8e006f7e54bf","_type":"block","children":[{"_key":"f1f80632fe4d","_type":"span","marks":[],"text":"Years 1-5: £15,000 annually (higher withdrawal for travel)"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"bcfbddf8d94d","_type":"block","children":[{"_key":"d1bdd8cb1bf6","_type":"span","marks":[],"text":"Years 6-10: £12,000 annually"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"49eff2a83ae6","_type":"block","children":[{"_key":"487a5d300cb7","_type":"span","marks":[],"text":"Years 11+: £10,000 annually (reduced needs)"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"fe3dec2863d2","_type":"block","children":[{"_key":"81d4442240a3","_type":"span","marks":[],"text":"Outcome for Linda:"}],"markDefs":[],"style":"h4"},{"_key":"50760d8e783b","_type":"block","children":[{"_key":"5ac7aa7b529c","_type":"span","marks":["strong"],"text":"Flexibility"},{"_key":"ba9b5ca8313e","_type":"span","marks":[],"text":": Linda could increase her withdrawals when her daughter needed help with a house deposit in year 3."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"005039494c5d","_type":"block","children":[{"_key":"0f431703be6d","_type":"span","marks":["strong"],"text":"Investment growth"},{"_key":"cc86680a1afe","_type":"span","marks":[],"text":": Her pension pot grew to £240,000 by year 5 despite withdrawals, thanks to favourable market conditions."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"9a1ac19bfeef","_type":"block","children":[{"_key":"31c3d1351886","_type":"span","marks":["strong"],"text":"Tax efficiency"},{"_key":"0e0314a006de","_type":"span","marks":[],"text":": By varying her withdrawals, Linda kept her total income below higher tax thresholds in most years."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d6f9cff27d8f","_type":"block","children":[{"_key":"5afe34d175a4","_type":"span","marks":["strong"],"text":"Risk"},{"_key":"ff48300ec601","_type":"span","marks":[],"text":": In year 7, a market downturn reduced her pot value by 12%, but she adjusted by reducing her withdrawal temporarily."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ff6b6f80a239","_type":"block","children":[{"_key":"f09fc4609e69","_type":"span","marks":["strong"],"text":"Legacy"},{"_key":"7da500d11241","_type":"span","marks":[],"text":": Linda still has a significant pot that could potentially be passed to her children through inheritance planning if she doesn't use it all."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"a2c00a307427","_type":"block","children":[{"_key":"7f7dbdbbe830","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0737772c2ed8","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"f55ed22a4059","_type":"block","children":[{"_key":"1a7900eb3cae","_type":"span","marks":[],"text":"Robert's choice: Lifetime annuity"}],"markDefs":[],"style":"h3"},{"_key":"78743ae71a5e","_type":"block","children":[{"_key":"6198e7956a83","_type":"span","marks":[],"text":"Robert prioritises security and predictability. He has some health concerns and values knowing exactly how much income he'll receive each month."}],"markDefs":[],"style":"normal"},{"_key":"d08259d52cf6","_type":"block","children":[{"_key":"ef30de8286f3","_type":"span","marks":[],"text":"Robert's approach:"}],"markDefs":[],"style":"h4"},{"_key":"39a3f48471fd","_type":"block","children":[{"_key":"cf8a88150715","_type":"span","marks":[],"text":"Takes 25% tax-free lump sum: £75,000"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8d5fa37b8268","_type":"block","children":[{"_key":"18fd26d41e8d","_type":"span","marks":[],"text":"Uses remaining £225,000 to purchase a lifetime annuity"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1276abba375b","_type":"block","children":[{"_key":"e2338a1e3965","_type":"span","marks":[],"text":"Due to slightly elevated blood pressure and being a former smoker, he qualifies for an enhanced annuity rate"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f2f3c257b12c","_type":"block","children":[{"_key":"d984252ed0d0","_type":"span","marks":[],"text":"Selects an inflation-linked annuity with 50% spouse protection"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"273cf381ffec","_type":"block","children":[{"_key":"c1088969a698","_type":"span","marks":[],"text":"Outcome for Robert:"}],"markDefs":[],"style":"h4"},{"_key":"6c5a8765a447","_type":"block","children":[{"_key":"8a19536d8d3f","_type":"span","marks":["strong"],"text":"Guaranteed income"},{"_key":"3926a948ea62","_type":"span","marks":[],"text":": Robert receives £13,500 per year for life, with annual increases matching inflation"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"2d5a9ed1c94e","_type":"block","children":[{"_key":"b8930c3f3cc2","_type":"span","marks":["strong"],"text":"Security"},{"_key":"fe554f3d3348","_type":"span","marks":[],"text":": Market fluctuations have no impact on his retirement income"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"505b807e4a90","_type":"block","children":[{"_key":"7966cf621305","_type":"span","marks":["strong"],"text":"Simplicity"},{"_key":"d381568637d1","_type":"span","marks":[],"text":": Robert doesn't need to make ongoing investment decisions or worry about withdrawal rates"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"aa4ac7da995d","_type":"block","children":[{"_key":"28b0ef08ff38","_type":"span","marks":["strong"],"text":"Health advantage"},{"_key":"4ad13e56f3cf","_type":"span","marks":[],"text":": His health conditions actually benefited him by securing a higher annuity rate"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b18bf93b3f1a","_type":"block","children":[{"_key":"899a98b762ac","_type":"span","marks":["strong"],"text":"Peace of mind"},{"_key":"0053f06d4816","_type":"span","marks":[],"text":": Robert knows exactly how much income he'll receive each month for the rest of his life"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4f8cc02baa70","_type":"block","children":[{"_key":"995e87ba08e1","_type":"span","marks":["strong"],"text":"Spouse protection"},{"_key":"21375c8984ae","_type":"span","marks":[],"text":": If Robert dies first, his wife will continue to receive 50% of his annuity income"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"9f922de82044","_type":"block","children":[{"_key":"964edbfb1d8a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9b4e82e6586b","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"85689b99d167","_type":"block","children":[{"_key":"30f2ec3a42ed","_type":"span","marks":[],"text":"Five years into retirement: A comparison"}],"markDefs":[],"style":"h3"},{"_key":"aeee02d6f71c","_type":"block","children":[{"_key":"1b250fd37f78","_type":"span","marks":[],"text":"Linda (Drawdown):"}],"markDefs":[],"style":"h4"},{"_key":"099fcaca9be7","_type":"block","children":[{"_key":"55a0abe21d64","_type":"span","marks":[],"text":"Has withdrawn a total of £75,000 (£15,000 x 5)"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"910a25cbace1","_type":"block","children":[{"_key":"e3c7ea41f3a7","_type":"span","marks":[],"text":"Current pension value: £240,000 (after growth and withdrawals)"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"19baed517318","_type":"block","children":[{"_key":"f94f54ebb577","_type":"span","marks":[],"text":"Has flexibility to adjust future withdrawals"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"95a1397458d7","_type":"block","children":[{"_key":"ef9ff074b1ab","_type":"span","marks":[],"text":"Bears ongoing investment risk"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"3621be762371","_type":"block","children":[{"_key":"2ac34532b8af","_type":"span","marks":[],"text":"Has potential for further growth and inheritance planning"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7e8c7ffefe90","_type":"block","children":[{"_key":"436758a689bf","_type":"span","marks":[],"text":"Robert (Annuity):"}],"markDefs":[],"style":"h4"},{"_key":"87d65b60291b","_type":"block","children":[{"_key":"620baac3ff25","_type":"span","marks":[],"text":"Has received a total of £67,500 (£13,500 x 5)"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8424137015f7","_type":"block","children":[{"_key":"80a3b324f3b4","_type":"span","marks":[],"text":"Future income is secure and will increase with inflation"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"2d156820eb34","_type":"block","children":[{"_key":"f80a4af2d65b","_type":"span","marks":[],"text":"No investment decisions or concerns about market volatility"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b3ce42c59801","_type":"block","children":[{"_key":"68e3e587823a","_type":"span","marks":[],"text":"No remaining pension pot value that could be inherited"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"812ffebeb842","_type":"block","children":[{"_key":"1d4f9ec7ba81","_type":"span","marks":[],"text":"Complete certainty about future income"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"3c3ca1242fd5","_type":"block","children":[{"_key":"604880587db9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d6ea444800e4","_type":"block","children":[{"_key":"bc1c3398626c","_type":"span","marks":["strong","em"],"text":"Disclaimer"}],"markDefs":[],"style":"small"},{"_key":"22467412956f","_type":"block","children":[{"_key":"0ed8def108e8","_type":"span","marks":["em"],"text":"The above examples are presented for educational purposes only and do not constitute financial advice. The characters \"Linda\" and \"Robert\" are fictional, and their financial situations, pension choices, and outcomes are hypothetical examples created to illustrate different retirement income options. The figures, growth rates, and scenarios described do not represent guaranteed results or predictions of actual market performance. Individual circumstances vary significantly, and actual outcomes from pension drawdown or annuity purchases may differ substantially from these examples."}],"markDefs":[],"style":"small"},{"_key":"c5439548822d","_type":"block","children":[{"_key":"59610e73ba0b","_type":"span","marks":[],"text":""},{"_key":"a2bbdc3bbd40","_type":"mainAnchor","pageAnchor":{"_ref":"86c929a9-6da7-4514-b5ef-141bb1e68bb3","_type":"reference"}},{"_key":"a2a98bc43f4f","_type":"span","marks":[],"text":"Why are annuity rates going up?"}],"markDefs":[],"style":"h2"},{"_key":"36b56203e4b1","_type":"block","children":[{"_key":"170dc4c867a9","_type":"span","marks":["strong"],"text":"Annuity rates rise when interest rates rise, since providers use your pension savings to buy government bonds (gilts) and higher rates mean better returns. When the cost of living crisis pushed interest rates up, annuity rates rose with them - making annuities more attractive to retirees who want a guaranteed income."}],"markDefs":[],"style":"normal"},{"_key":"f07e599853fa","_type":"block","children":[{"_key":"d83acaf1afad0","_type":"span","marks":[],"text":"The amount you get from an annuity is strongly connected to interest rates and also to long-term government bonds. In recent years, the cost of living crisis sent interest rates higher - and annuity rates have increased too. This means that annuities are back on the radar for many and rates have risen significantly."}],"markDefs":[],"style":"normal"},{"_key":"88fee7a45d96","_type":"block","children":[{"_key":"388926f517a3","_type":"span","marks":[],"text":"According to Standard Life's Annuity Rate Tracker, average annuity rates rose to 7.62% in March 2026, and annuity rates proved resilient, rising 1.46% in the first quarter of 2026 compared with the end of Q4 2025. This is despite a volatile market backdrop. In practice, this means a healthy 65-year-old with a £100,000 pension pot could expect to receive up to £7,620 per annum.[1]"}],"markDefs":[],"style":"normal"},{"_key":"0df3b452b0e4","_type":"block","children":[{"_key":"ab1b28d60cd6","_type":"span","marks":[],"text":"Rates do vary by age too - as of March 2026, rates for a healthy 60-year-old were 6.85% compared to 8.35% for a healthy 70-year-old, resulting in an annual income of £6,850 for a 60-year-old versus £8,350 for a 70-year-old on a £100,000 pension pot.[2]"}],"markDefs":[],"style":"normal"},{"_key":"e9baf5b89868","_type":"block","children":[{"_key":"9614ba2b0501","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e653e19a39f5","_type":"blockQuote","adviserName":"Pete Cowell","jobTitle":"Head of Annuities - Individual Retirement, Standard Life","photo":{"_type":"mainImage","alt":"Pete Cowell, Head of Annuities – Individual Retirement at Standard Life on rising annuity rates"},"quote":[{"_key":"bf50fd180482","_type":"block","children":[{"_key":"310423868d0f","_type":"span","marks":[],"text":"Annuity rates have continued to improve over the last twelve months and continue to offer retirees even stronger total incomes. Almost all (98%) people consider income security as an important factor when deciding what to do with their pension pot, and a similar amount (95%) prioritise certainty of income, so it’s easy to understand why annuities are an increasingly popular choice."}],"markDefs":[],"style":"normal"}]},{"_key":"e96650c2f3b2","_type":"block","children":[{"_key":"40cbc1d5ba38","_type":"span","marks":[],"text":""},{"_key":"749086412dbf","_type":"mainAnchor","pageAnchor":{"_ref":"c5882aca-7276-4c3e-9f08-dde56c92dde7","_type":"reference"}},{"_key":"2a6d41752fb9","_type":"span","marks":[],"text":"Is an annuity right for you?"}],"markDefs":[],"style":"h2"},{"_key":"74db4153dff8","_type":"block","children":[{"_key":"aa56733e860a","_type":"span","marks":[],"text":"Just because annuity rates look attractive does not mean they're necessarily the right choice for you. "}],"markDefs":[],"style":"normal"},{"_key":"15a795c1597c","_type":"block","children":[{"_key":"ed0ad44436d0","_type":"span","marks":[],"text":"Remember that if you opt for an annuity, your pension is no longer invested and so could potentially miss out on stock market growth that it might otherwise get if you left it in drawdown instead. This is especially relevant now that many of us live for as much as two decades or more after we retire. If all goes to plan, that could leave a lot more time for your pot to grow. So an annuity, though giving you a guaranteed income, can be more restrictive."}],"markDefs":[],"style":"normal"},{"_key":"de166a62b812","_type":"block","children":[{"_key":"99da3437cc55","_type":"span","marks":[],"text":"Equally, while pension drawdown enables you to be flexible with your retirement income, leaving some of your savings invested carries an inherent risk that the value of your pot could go down. "}],"markDefs":[],"style":"normal"},{"_key":"fb32d7969c5f","_type":"block","children":[{"_key":"73451e0fa837","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"57465268604a","_type":"blockQuote","adviserName":"Pete Cowell","jobTitle":"Head of Annuities – Individual Retirement, Standard Life","photo":{"_type":"mainImage","alt":"Pete Cowell, Head of Annuities – Individual Retirement at Standard Life on rising annuity rates"},"quote":[{"_key":"1b0acd906522","_type":"block","children":[{"_key":"efc3113529940","_type":"span","marks":[],"text":"When it comes to retirement planning, people need to consider what they expect their retirement to look like, based on their individual circumstances, and work out how best to make the most of their retirement savings. What’s becoming more appealing is the idea of a blended approach, with annuities and drawdown working in combination to meet different needs in retirement. This approach allows a portion of savings left in flexible drawdown and with the potential to grow, and the annuitised portion providing an element of guarantee to cover essential costs in retirement."}],"markDefs":[],"style":"normal"}]},{"_key":"b2350432e6c4","_type":"block","children":[{"_key":"12303603d39e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3ef13294dd47","_type":"block","children":[{"_key":"c25ec2a9ee0c","_type":"span","marks":[],"text":"If you're deciding between pension drawdown or an annuity - or indeed, a blend of the two - it's always advisable to "},{"_key":"2900326bede3","_type":"span","marks":["426eba4e6909"],"text":"contact a financial adviser"},{"_key":"5194506cea8d","_type":"span","marks":[],"text":" who can help you make the right decision. They will be able to assess your unique circumstances and retirement goals and use these to guide you towards the right choice. "}],"markDefs":[{"_key":"426eba4e6909","_type":"internalLinkPick","reference":{"_ref":"63a19438-721c-4042-b811-f8f2af951e0e","_type":"reference"}}],"style":"normal"},{"_key":"cc4014eb2761","_type":"block","children":[{"_key":"feb05712e2fe","_type":"span","marks":[],"text":"Head over to our "},{"_key":"eee3bf7cba66","_type":"span","marks":["943a4bc9e150"],"text":"adviser directory"},{"_key":"92ff157187b3","_type":"span","marks":[],"text":" and use the advanced filter to find ones that specialise in 'Pensions' and 'Pensions -Approaching retirement' to get started."}],"markDefs":[{"_key":"943a4bc9e150","_type":"internalLinkPick","reference":{"_ref":"63a19438-721c-4042-b811-f8f2af951e0e","_type":"reference"}}],"style":"normal"},{"_key":"d65c1705b888","_type":"block","children":[{"_key":"95a23dfb3da1","_type":"span","marks":[],"text":""},{"_key":"a56e3e6dae35","_type":"mainAnchor","pageAnchor":{"_ref":"9eb0fcab-82c0-47e6-ba32-cfb90693f61b","_type":"reference"}},{"_key":"9c3ebc5472b2","_type":"span","marks":[],"text":"3 things to check before you access your pension"}],"markDefs":[],"style":"h2"},{"_key":"b16244860887","_type":"block","children":[{"_key":"ac2592086b32","_type":"span","marks":[],"text":"There are a few things you can think about first that can help you begin to understand your choices. Here are three simple things you can do to make sure you're making the right decision for you."}],"markDefs":[],"style":"normal"},{"_key":"ac18ba81fa6a","_type":"block","children":[{"_key":"d1ca4dd6a5a40","_type":"span","marks":[],"text":"1. How much have you saved for retirement?"}],"markDefs":[],"style":"h3"},{"_key":"bca1ca5a6e42","_type":"block","children":[{"_key":"f002c0ef92e5","_type":"span","marks":[],"text":"First things first, you need to know exactly how much you have saved up for your retirement to get a clear idea of what options are on the table. Beyond your "},{"_key":"59cef8427b46","_type":"span","marks":["2ab1a9c794dc"],"text":"State Pension"},{"_key":"a5b9f4c659d0","_type":"span","marks":[],"text":", you might also have accrued significant savings from "},{"_key":"8e7692ce8df9","_type":"span","marks":["521321c19ecd"],"text":"workplace pension "},{"_key":"9876e5badd56","_type":"span","marks":[],"text":"schemes (some of which could have been forgotten about or left behind) and/or "},{"_key":"19c573218afd","_type":"span","marks":["d7531acb1dbc"],"text":"personal pension "},{"_key":"ee2de3e172ac","_type":"span","marks":[],"text":"pots. It's essential to track all this information down before you decide how you're going to access your retirement savings."}],"markDefs":[{"_key":"2ab1a9c794dc","_type":"internalLinkPick","reference":{"_ref":"24becfe8-66e5-4cc0-a93d-d43dba6dc2f4","_type":"reference"}},{"_key":"521321c19ecd","_type":"internalLinkPick","reference":{"_ref":"44d52042-2125-46bc-9a05-58ce2c9d7039","_type":"reference"}},{"_key":"d7531acb1dbc","_type":"internalLinkPick","reference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"}}],"style":"normal"},{"_key":"736389284a35","_type":"block","children":[{"_key":"346573786626","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"abc07790d77c","_type":"block","children":[{"_key":"94bbc8389db5","_type":"span","marks":[],"text":"2. What are your pension access options?"}],"markDefs":[],"style":"h3"},{"_key":"e04e17f8d049","_type":"block","children":[{"_key":"0174611fbacb","_type":"span","marks":[],"text":"Once you better understand how much money you're sitting on, you should check what your current pension provider offers in terms of how you can access your funds. Some will only offer drawdown, for example, so you might want to switch providers if you decide to go with an annuity instead. You have the right to choose. "}],"markDefs":[],"style":"normal"},{"_key":"799842c24ba2","_type":"block","children":[{"_key":"f0653f473626","_type":"span","marks":[],"text":"It’s also important to know that you can have both an annuity "},{"_key":"cd03f0ad0261","_type":"span","marks":["em"],"text":"and"},{"_key":"e5efdc457082","_type":"span","marks":[],"text":" a drawdown pension – they’re not mutually exclusive. If you're not sure which one suits your needs best, or if having both makes more sense, it's a good idea to get in touch with a financial adviser who can give you tailored advice on what suits your needs most."}],"markDefs":[],"style":"normal"},{"_key":"fb42d65cd7a7","_type":"block","children":[{"_key":"6c4f23693737","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"799d567bdce1","_type":"block","children":[{"_key":"34189b588f50","_type":"span","marks":["strong"],"text":"Find a financial adviser to help you decide"}],"markDefs":[],"style":"normal"}],"_key":"d4f354f5677a","_type":"ctaWidget","reference":{"_ref":"63a19438-721c-4042-b811-f8f2af951e0e","_type":"reference"},"text":"SEARCH"},{"_key":"3eff1c3f27f4","_type":"block","children":[{"_key":"c2439b747feb","_type":"span","marks":[],"text":"3. How do you find the best annuity rates?"}],"markDefs":[],"style":"h3"},{"_key":"3cdac228a7b7","_type":"block","children":[{"_key":"04a5b4866a02","_type":"span","marks":[],"text":"If you're considering buying an annuity, your current pension provider might not be offering very competitive rates - and they might not offer annuities at all! "}],"markDefs":[],"style":"normal"},{"_key":"dba33b65e91b","_type":"block","children":[{"_key":"79a412c6acd2","_type":"span","marks":[],"text":"The government-backed MoneyHelper website has a helpful and easy-to-use "},{"_key":"0a113f739c39","_type":"span","marks":["872d1c5ba6fe"],"text":"annuity comparison tool"},{"_key":"b66c6478ae14","_type":"span","marks":[],"text":". This will compare the market for you and give a forecast of what you might be able to expect in terms of an annual income. You'll need to input some basic info including your age, marital status, your health, and any medical conditions. "}],"markDefs":[{"_key":"872d1c5ba6fe","_type":"internalLinkPick","blank":true,"reference":{"_ref":"be50f745-9def-45c8-b578-e4de0eb30942","_type":"reference"}}],"style":"normal"},{"_key":"90ebd0bff563","_type":"block","children":[{"_key":"dab9c404034c","_type":"span","marks":[],"text":"The difference between even the main providers can be material - sometimes as much as thousands of pounds per year - so this is a super important step if you want to find the best annuity deal for you."}],"markDefs":[],"style":"normal"},{"_key":"14c7ea058889","_type":"block","children":[{"_key":"c4e3b78dca73","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2fe9e64add26","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"e844817b16ea","_type":"block","children":[{"_key":"d5181adf541d","_type":"span","marks":[],"text":"❗ If in doubt, get professional advice"}],"markDefs":[],"style":"h4"},{"_key":"4fbc56829487","_type":"block","children":[{"_key":"310746d09d2a","_type":"span","marks":[],"text":"It's crucial to remember that you only get to buy an annuity once and you can’t change your mind, so it has to be the right decision for you. Still not sure? Don't fret, there's plenty of support out there."},{"_key":"615e16c93d8b","_type":"span","marks":["201701463bc4"],"text":" "},{"_key":"022ed599358a","_type":"span","marks":["6693fe9a37fe"],"text":"MoneyHelper"},{"_key":"fc9d8e506345","_type":"span","marks":[],"text":" has a free and impartial phone line for help with your pension and retirement income plans. Or, if you're conscious about costs but still want to chat with a financial adviser, many offer a single, fixed fee, one-off session which can help you in one fell swoop."}],"markDefs":[{"_key":"201701463bc4","_type":"internalLinkPick","blank":true,"reference":{"_ref":"95fd1bd1-7e26-4160-a7a9-9f39db7952d5","_type":"reference"}},{"_key":"6693fe9a37fe","_type":"internalLinkPick","blank":true,"reference":{"_ref":"95fd1bd1-7e26-4160-a7a9-9f39db7952d5","_type":"reference"}}],"style":"normal"}]},{"_key":"058a59037f09","_type":"block","children":[{"_key":"90cfc6379690","_type":"span","marks":[],"text":""},{"_key":"fe73c001c7e2","_type":"mainAnchor","pageAnchor":{"_ref":"d87b9541-0883-4622-ba83-89e8bb056efd","_type":"reference"}},{"_key":"f9420568d143","_type":"span","marks":[],"text":"Got a question about pensions?"}],"markDefs":[],"style":"h2"},{"_key":"3a653433c844","_type":"block","children":[{"_key":"9b6eb7f615c7","_type":"span","marks":[],"text":"Got a burning question about pension drawdown, annuities or something else related to pensions? Check out "},{"_key":"f07420df8f25","_type":"span","marks":["8160a1815897"],"text":"previous reader questions and answers about pensions"},{"_key":"eea1f7f4b76a","_type":"span","marks":[],"text":" from Boring Money experts."}],"markDefs":[{"_key":"8160a1815897","_type":"internalLinkPick","reference":{"_ref":"ecb2d1ae-9857-425e-9701-869394aeb996","_type":"reference"}}],"style":"normal"},{"_key":"09aa26fe185b","_type":"block","children":[{"_key":"ad677ce8e1b3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3696d99fed73","_type":"block","children":[{"_key":"5f59b7ffe3e7","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"c38668f1e29a","_type":"block","children":[{"_key":"d853051665e3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4df422030f9d","_type":"block","children":[{"_key":"5dd4e4b48f2f","_type":"span","marks":[],"text":"[1]"},{"_key":"9c7c061ab333","_type":"span","marks":["44e5db2c69b1"],"text":" Standard Life,  2026"}],"markDefs":[{"_key":"44e5db2c69b1","_type":"internalLinkPick","blank":true,"reference":{"_ref":"094a0d2c-1a8e-4254-8c20-cd1de019a4b7","_type":"reference"}}],"style":"normal"},{"_key":"0f04a9a73e5c","_type":"block","children":[{"_key":"46304510fa73","_type":"span","marks":[],"text":"[2] "},{"_key":"f9dc9381b4b9","_type":"span","marks":["af5a283358c2"],"text":"Standard Life, 202"},{"_key":"6d70b65b632f","_type":"span","marks":[],"text":"6"}],"markDefs":[{"_key":"af5a283358c2","_type":"internalLinkPick","blank":true,"reference":{"_ref":"094a0d2c-1a8e-4254-8c20-cd1de019a4b7","_type":"reference"}}],"style":"normal"}],"brazeCustomAttributes":[{"_key":"4aa2e843c3d3","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_Article_Gated","customAttributeValue":"https://www.boringmoney.co.uk/learn/articles/annuity-vs-drawdown-3-things-to-keep-in-mind-to-find-the-right-pension-for-you/"}],"brazeSubscriptionRef":null,"categories":[{"_key":"464c3dd9533b","_ref":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","_type":"reference"},{"_key":"1bf7ed2484ec","_ref":"56cb73af-6356-4d23-ba58-a4d5301e6f9b","_type":"reference"}],"emailSignupWidgetButtonText":"Read the full article","emailSignupWidgetParagraphText":"Unlock this article to discover 3 things to help you choose between an annuity and drawdown!","enableComments":true,"enableGatedContent":false,"excerpt":[{"_key":"74fe427b34e7","_type":"block","children":[{"_key":"e0687b969b72","_type":"span","marks":[],"text":"There are two main ways to access your pension: annuity or drawdown. We explain how each works and how to pick the right one for you."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"b332608eada2","_type":"block","children":[{"_key":"f2ab946da0cf","_type":"span","marks":[],"text":"At the point of retirement, we face two key choices when it comes to what we do with the money we've been saving all these years. We can either go into 'drawdown' to use our money as and when we need it, or take out an 'annuity' to secure a guaranteed income for life."}],"markDefs":[],"style":"normal"},{"_key":"6b46c95f8d9f","_type":"block","children":[{"_key":"208704f817cf","_type":"span","marks":[],"text":"Recently, annuities have been in the news as higher interest rates have renewed their popularity. But which option is truly best for your unique circumstances? The right choice depends on your retirement goals, financial attitude, and several other key factors."}],"markDefs":[],"style":"normal"},{"_key":"ce916cb4c9a0","_type":"block","children":[{"_key":"4af7246747c5","_type":"span","marks":[],"text":"Making Sense of Your Pension Options"}],"markDefs":[],"style":"h2"},{"_key":"0615f38588ae","_type":"block","children":[{"_key":"32a17e5de22f","_type":"span","marks":[],"text":"Standard Life's Annuity Rate Tracker shows that annuity rates for a healthy 65-year-old have increased by around 8% over the past 12 months. This translates to an annual income of £7,360 based on a £100,000 pension pot – an increase of £550 compared to January last year."}],"markDefs":[],"style":"normal"},{"_key":"d4cc8395c0f6","_type":"block","children":[{"_key":"c27ab29f3836","_type":"span","marks":[],"text":"When deciding between drawdown and annuities, you'll need to consider:"}],"markDefs":[],"style":"normal"},{"_key":"017be41652f5","_type":"block","children":[{"_key":"9c5c84c3da30","_type":"span","marks":[],"text":"Your attitude toward investment risk and market fluctuations"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c0909da8d8d0","_type":"block","children":[{"_key":"6660440b4c6d","_type":"span","marks":[],"text":"Whether you need guaranteed income or prefer flexibility"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"78b2e8f51391","_type":"block","children":[{"_key":"def349632dc9","_type":"span","marks":[],"text":"How your spending might change throughout retirement"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"dd64a2e0dd6f","_type":"block","children":[{"_key":"4d2ea8c7ed0f","_type":"span","marks":[],"text":"The potential advantages of a blended approach for different needs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"99fda64b78ad","_type":"block","children":[{"_key":"5eefce6d5a8d","_type":"span","marks":[],"text":"The Key Differences"}],"markDefs":[],"style":"h2"},{"_key":"4795750d4403","_type":"block","children":[{"_key":"ef04d2984fb1","_type":"span","marks":[],"text":"Pension drawdown keeps your money invested while allowing you to take flexible withdrawals. You can take up to 25% as tax-free cash, with the remainder staying invested with potential for growth – though values can fall as well as rise."}],"markDefs":[],"style":"normal"},{"_key":"6fa5eed31a1e","_type":"block","children":[{"_key":"62904b2e60d0","_type":"span","marks":[],"text":"Annuities, on the other hand, exchange your pension savings for a guaranteed income. Once purchased, they provide certainty but limit flexibility. With today's improved rates, they're becoming an increasingly attractive option for many retirees."}],"markDefs":[],"style":"normal"},{"_key":"72cdeeeed93f","_type":"block","children":[{"_key":"43786a67942f","_type":"span","marks":[],"text":"As Dennis Hall, Chartered Financial Planner, explains:"}],"markDefs":[],"style":"normal"},{"_key":"3c0a04919ba9","_type":"block","children":[{"_key":"090b5595b0c8","_type":"span","marks":[],"text":"\"Annuities suit people who are looking for an element of certainty in their finances. They won't necessarily purchase an annuity with their whole pension fund but may want to ensure their basic costs of living are covered by a guaranteed income.\""}],"markDefs":[],"style":"blockquote"},{"_key":"582e3d15a23a","_type":"block","children":[{"_key":"75afb709afb7","_type":"span","marks":[],"text":"Real-Life Decision Making"}],"markDefs":[],"style":"h2"},{"_key":"cf3a858f03e6","_type":"block","children":[{"_key":"aa9cb34eff42","_type":"span","marks":[],"text":"To understand how these options work in practice, let's consider the approach of two retirees with identical £300,000 pension pots but different priorities."}],"markDefs":[],"style":"normal"},{"_key":"f77afad3199b","_type":"block","children":[{"_key":"3ac6a9fc73e0","_type":"span","marks":[],"text":"Linda and Robert are both 66 years old and recently retired. They're facing the same decision you might be contemplating: drawdown or annuity? Their different retirement goals and financial attitudes led them to make different choices."}],"markDefs":[],"style":"normal"},{"_key":"e6f793a2c39d","_type":"block","children":[{"_key":"488c8d779f8a","_type":"span","marks":[],"text":"Which approach delivered better results? And what lessons can we learn from their experiences?"}],"markDefs":[],"style":"normal"},{"_key":"a33e4c98ca60","_type":"block","children":[{"_key":"afc2d4a6da3a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"linkMenu":[{"_key":"f449a7db45a8","_ref":"4b8d6fb7-281c-4e6d-8690-80e57c8c2389","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":" ","asset":{"_ref":"image-cf83c5788718de29326400470bdd01ad0efa2366-2880x1620-png","_type":"reference"}},"publishedAt":"2026-07-29T16:07:17.522Z","slug":{"_type":"slug","current":"ways-to-access-your-pension-is-annuity-or-drawdown-right-for-you"},"template":"C-SB","textNextToKey":"Sign up for free to read more","title":"Ways to access your pension: is annuity or drawdown right for you?","widgets":[{"_key":"8df873bb7099","_ref":"4dd91a6a-d4d0-4bfa-bca5-4edc1d0808e7","_type":"reference"},{"_key":"23e0920fe4f6","_ref":"e8fc4cc6-81e5-475e-902c-3609eb8b7a4e","_type":"reference"},{"_key":"819d36c4a3e7","_ref":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","_type":"reference"},{"_key":"84480d60197b","_ref":"a94e9c35-bdf2-4791-a7bd-d9ff612732c0","_type":"reference"},{"_key":"4ed2091d98cb","_ref":"92f96c95-dfab-424a-a570-d567d98c9c29","_type":"reference"},{"_key":"0cc64f0e9d0c","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-1edab11c-f36a-5a24-b6f2-bdea703b250e","children":[],"parent":null},"text":"TELL ME"},{"_key":"954b38f4eb68","_type":"block","children":[{"_key":"df44ecfabb54","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7a3f253ff758","_type":"block","children":[{"_key":"1d01a10a74df","_type":"span","marks":[],"text":""},{"_key":"1efd08dfc6ff","_type":"mainAnchor","pageAnchor":{"_ref":"4fb202b7-6246-4faa-b97d-bee6f208d1d1","_type":"reference"}},{"_key":"2feb83c206cb","_type":"span","marks":[],"text":"Is a personal pension right for me?"}],"markDefs":[],"style":"h2"},{"_key":"2f12fd40cc34","_type":"block","children":[{"_key":"f3cd487d2612","_type":"span","marks":[],"text":"Is it a good idea for you to open a SIPP? While the idea of taking retirement savings into your own hands sounds appealing, it's not always the best course of action for everyone. Here's a run-down of the key pros and cons of SIPPs."}],"markDefs":[],"style":"normal"},{"_key":"0c037522a1a8","_type":"prosConsWidget","cons":["Already have a competitive workplace pension scheme","Will need the money before you're 55","Have expensive debt to pay off first"],"consTitle":"Bad if you","pros":["Can set aside money until you're 55","Are self-employed and want to save for retirement","Want more control over your retirement savings"],"prosTitle":"Good if you "},{"_key":"0d6ddf57ea97","_type":"block","children":[{"_key":"70d644c31f280","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"69e33702ca96","_type":"block","children":[{"_key":"4b6acec9bdeb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"61804af9c650","_type":"block","children":[{"_key":"1c2d94e2f4580","_type":"span","marks":["strong"],"text":"Discover three reasons why you should open a SIPP today"}],"markDefs":[],"style":"normal"}],"_key":"8e867e8ac8ca","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_id":"fdb02161-4452-428f-b5f2-e2feca21222f","_type":"post","_rev":"7wJzgGa1ow12Mnj8KkDmXc","_createdAt":"2024-04-10T10:51:50Z","_updatedAt":"2026-07-29T10:54:40Z","_system":{"base":{"id":"fdb02161-4452-428f-b5f2-e2feca21222f","rev":"2sLO0bw8DHYNpmh0yRhcEj"}},"authors":[{"_key":"1fc14c43e722","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"cc2b20bab55f","_type":"block","children":[{"_key":"f8eb89cca1e8","_type":"span","marks":[],"text":"Written by "},{"_key":"5e07f09122a2","_type":"span","marks":["strong","0326215bec40"],"text":"Boring Money"}],"markDefs":[{"_key":"0326215bec40","_type":"internalLinkPick","blank":true,"reference":{"_ref":"d303d967-e483-4761-b7bf-65760d5b1b66","_type":"reference"}}],"style":"normal"}],"body":[{"_key":"321575d4484c","_type":"block","children":[{"_key":"a4961203b52f","_type":"span","marks":["strong"],"text":"A Self-Invested Personal Pension (SIPP) grows your retirement savings with tax relief and lets you control your own investments. It's worth considering if you've maxed out your employer's pension contributions, want more say in what you invest in, or want the flexibility to save in lump sums. Yet according to Boring Money research, only 14% of non-retired individuals have a personal pension in place."}],"markDefs":[],"style":"normal"},{"_key":"3e8edf8a6ee8","_type":"mainImage","asset":{"_ref":"image-566e05213dc27db9008f434b2b5398097a7bdc85-1920x1080-png","_type":"reference"}},{"_key":"b0bc879f068d","_type":"block","children":[{"_key":"33dd9be24012","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9437dafa5f26","_type":"block","children":[{"_key":"82c8e9d9b9ae0","_type":"span","marks":[],"text":"So, should you be opening a SIPP? How could it benefit you? How do you know if your current "},{"_key":"73f56fa2bbc3","_type":"span","marks":["81fcd0b5a8af"],"text":"workplace pension"},{"_key":"a2b94800de14","_type":"span","marks":[],"text":" scheme ticks all your boxes already? In this article, we’ll run through three scenarios where it may make sense for you to open a SIPP and get in the driving seat of your own retirement saving journey."}],"markDefs":[{"_key":"81fcd0b5a8af","_type":"internalLinkPick","blank":true,"reference":{"_ref":"23b9261b-132d-4afd-9aef-bd03b94b6ac5","_type":"reference"}}],"style":"normal"},{"_key":"718af1780217","_type":"block","children":[{"_key":"f66b663431f9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5123ee3d4ff7","_type":"block","children":[{"_key":"e028e345ab4c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"18ae3be62fca","_type":"block","children":[{"_key":"b68e0f72e880","_type":"span","marks":[],"text":""},{"_key":"484bad86924c","_type":"mainAnchor","pageAnchor":{"_ref":"c57dd521-e66a-4572-93fb-8f59bb7d3d36","_type":"reference"}},{"_key":"0b11592db221","_type":"span","marks":[],"text":"1. Have you maxed out your workplace pension match?"}],"markDefs":[],"style":"h3"},{"_key":"2c9c3515b38f","_type":"block","children":[{"_key":"883994922d1f","_type":"span","marks":["strong"],"text":"Before you look at a SIPP, check whether your employer will match extra contributions above the legal minimum - if you're not claiming the full match, that's free money you're leaving on the table."}],"markDefs":[],"style":"normal"},{"_key":"66024fa7e53c","_type":"block","children":[{"_key":"821a48d9db6e0","_type":"span","marks":[],"text":"If you’re already paying into a workplace pension today (many will have a so-called “defined contribution” scheme), you should check if you’re maxing out your employer contributions. That is, if your employer is willing to match your contributions or pay more into your existing pot, it’s a very sensible idea to make the most of it. This will typically involve having a conversation with your HR department or at the very least talking to your line manager about your company’s pension policy."}],"markDefs":[],"style":"normal"},{"_key":"a3f3b2aecc10","_type":"block","children":[{"_key":"f22e1da859b10","_type":"span","marks":[],"text":"Let’s say you’re currently paying the minimum contribution rate, which came into force in April 2019. This means you pay 5% of your pre-tax earnings into your workplace pension scheme while your employer puts in 3%. 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Some employers will match your contributions up to a certain amount - for example, 10%."}],"markDefs":[],"style":"normal"},{"_key":"25e70a5fe7dc","_type":"block","children":[{"_key":"2fcb9b6e914a0","_type":"span","marks":[],"text":"The first and most important thing to do if you’re thinking of paying more into a pension is to check if you’re making the most of your workplace scheme. It will typically be more straightforward to simply up your contributions into your existing plan than to go about setting up a SIPP."}],"markDefs":[],"style":"normal"},{"_key":"619b0b25ae35","_type":"block","children":[{"_key":"670caf5d0f9d0","_type":"span","marks":[],"text":"Yet, not everyone’s workplace pension works this way. Some people have a defined benefit (DB) - sometimes called a final salary - scheme. Many of those who work in the civil service or healthcare (e.g. the NHS) have this type of plan, which typically guarantees you a predetermined income for life. It’s often dependent on how many years you’ve been an employee and your salary at the point of retirement. "}],"markDefs":[],"style":"normal"},{"_key":"9ce6c756ef9d","_type":"block","children":[{"_key":"cbc56b0396000","_type":"span","marks":[],"text":"Some DB pension schemes allow you to make additional contributions, so make sure you check the details of your arrangement to find out if you can make your own top-ups."}],"markDefs":[],"style":"normal"},{"_key":"89ecdb10f325","_type":"block","children":[{"_key":"c6d0be1b1e1d0","_type":"span","marks":[],"text":"If you’ve already checked, made sure you’re making the most of your workplace scheme and you still want to save more towards your retirement - this is where a SIPP starts to make a lot of sense. Let’s say you’ve already maxed out your employer contributions and you’ve got some extra cash at the end of the month that you want to put to good use, you could use a SIPP to tuck this away for later in life. "}],"markDefs":[],"style":"normal"},{"_key":"e928f5ae2639","_type":"block","children":[{"_key":"0f756403676c","_type":"span","marks":[],"text":""},{"_key":"44835bdefd54","_type":"mainAnchor","pageAnchor":{"_ref":"00961fa6-d9b1-495e-b4de-b62e8b9fd0cb","_type":"reference"}},{"_key":"6bb083caa2e7","_type":"span","marks":[],"text":"2. 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Do you want the flexibility to save at your own pace?"}],"markDefs":[],"style":"h3"},{"_key":"30afd7420b65","_type":"block","children":[{"_key":"35b67ff3044a0","_type":"span","marks":["strong"],"text":"Finally, if you occasionally receive some extra cash in a lump sum – say as a gift or an inheritance – and you’d like the option to pop it into your pension on your own terms, you may want to consider a SIPP?"}],"markDefs":[],"style":"normal"},{"_key":"213c242f26aa","_type":"block","children":[{"_key":"2ff6fc6e2eaf0","_type":"span","marks":[],"text":"One of the main benefits of a SIPP is the flexibility it gives you to add to your pot whenever you want. Many SIPP providers offer reduced (or altogether waived) trading fees if you set up a regular investment plan – essentially a monthly direct debit straight into your pension. However, even if you’re not able to commit to regular payments, opening a SIPP gives you the freedom to pop some cash into your pension whenever you have the means to do so."}],"markDefs":[],"style":"normal"},{"_key":"51c934dd72f0","_type":"block","children":[{"_key":"cc14e97307350","_type":"span","marks":[],"text":"When you’re shopping around for SIPPs, make sure to pay attention to the discounts available if you set up a regular investment plan. If you’re a keen investor who’s likely to make a number of trades over the course of a year, it may well be worth doing this to save yourself on the cost of trading."}],"markDefs":[],"style":"normal"},{"_key":"030ca7f5f4b4","_type":"block","children":[{"_key":"c87f536925ad","_type":"span","marks":[],"text":""},{"_key":"8cb2070eb72b","_type":"mainAnchor","pageAnchor":{"_ref":"c759fe7b-4a35-4be0-af0a-347546b39c54","_type":"reference"}},{"_key":"10358f30fa2c0","_type":"span","marks":[],"text":"Which SIPP provider is right for you?"}],"markDefs":[],"style":"h2"},{"_key":"366cc00800da","_type":"block","children":[{"_key":"44f7048c00a70","_type":"span","marks":[],"text":"If you’ve decided that opening a SIPP makes sense for you, we can help you scour the market to find the best provider. 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See the 3 signs it's worth it - from maxing your employer's pension match to wanting tax relief and control over your own investments."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"2a7162e283f7","_type":"block","children":[{"_key":"80e160d68ae3","_type":"span","marks":["strong"],"text":"A Self-Invested Personal Pension or SIPP is a type of pension which gives you more control over what your retirement savings are invested in. They can be a sensible way of saving for later life for those unsatisfied with their workplace pension, people who want to add more to their pot, and the self-employed who need to take retirement saving into their own hands."}],"markDefs":[],"style":"normal"},{"_key":"31f9c9449cad","_type":"block","children":[{"_key":"016ef24365ba","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0e5f669d0dd6","_type":"mainImage","asset":{"_ref":"image-566e05213dc27db9008f434b2b5398097a7bdc85-1920x1080-png","_type":"reference"}},{"_key":"2cda4290d396","_type":"block","children":[{"_key":"8be6a4303486","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dd4aa943edc6","_type":"block","children":[{"_key":"3eafcc9b0b0a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"af557a7fe754","_type":"block","children":[{"_key":"7ba2d5502288","_type":"span","marks":[],"text":"However, according to Boring Money research, only 11% of non-retired individuals state they have a personal pension scheme in place. Breaking this down further by different levels of income, only 7% of those who earn less than £20,000 have a personal pension, compared to 24% for people who earn over £70,000. "}],"markDefs":[],"style":"normal"},{"_key":"26f04d7f9a9d","_type":"block","children":[{"_key":"d8623f0ebabe","_type":"span","marks":[],"text":"So should you be opening a SIPP? How could it benefit you? And how do you know if your current workplace pension scheme ticks all your boxes already? 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You want to contribute more"}],"markDefs":[],"style":"h3"},{"_key":"76756f5adc8c","_type":"block","children":[{"_key":"b1d6f3169615","_type":"span","marks":[],"text":"If you’re already paying into a workplace pension today (many will have a so-called “defined contribution” scheme), you should check if you’re maxing out your employer contributions. That is, if your employer is willing to match your contributions or pay more into your existing pot, it’s a very sensible idea to make the most of it. This will typically involve having a conversation with your HR department or at the very least talking to your line manager about your company’s pension policy."}],"markDefs":[],"style":"normal"},{"_key":"caed56ace40d","_type":"block","children":[{"_key":"837986982871","_type":"span","marks":[],"text":"Let’s say you’re currently paying the minimum contribution rate, which came into force in April 2019. This means you pay 5% of your pre-tax earnings into your workplace pension scheme while your employer puts in 3%. Overall your total contributions will amount to 8% of your pre-tax income."}],"markDefs":[],"style":"normal"},{"_key":"b7421a8da07d","_type":"block","children":[{"_key":"bb872b76d10c","_type":"span","marks":[],"text":"Workplace pension contributions explained"}],"markDefs":[],"style":"h4"},{"_key":"471d4c115f26","_type":"block","children":[{"_key":"7ac0fc3bd789","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"linkMenu":[{"_key":"579f652e3891","_ref":"db445ffb-4d38-46ec-9550-ee65398551b7","_type":"reference"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-566e05213dc27db9008f434b2b5398097a7bdc85-1920x1080-png","_type":"reference"},"blankAltTag":true},"publishedAt":"2026-07-29T10:52:35.292Z","slug":{"_type":"slug","current":"three-reasons-to-open-a-sipp"},"template":"C-SB","textNextToKey":"Unlock this article to continue reading","title":"Should you open a SIPP? 3 signs it's the right move","widgets":[{"_key":"69fb69e5e135","_ref":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","_type":"reference"},{"_key":"879076e2b68f","_ref":"34cc9a7e-24e0-4253-b447-28bc22728d46","_type":"reference"},{"_key":"7e4a3079ae73","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"},{"_key":"4c9341181e23","_ref":"195b9c34-aeac-46f7-a0f8-1e0f485893e3","_type":"reference"}],"id":"-a1ce0106-f6ab-5dd7-9b98-4a2bd0e916e0","children":[],"parent":null},"text":"FIND OUT"},{"_key":"7780f35dead2","_type":"block","children":[{"_key":"fe7b2db8cfa5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4e0fa86f3d2d","_type":"block","children":[{"_key":"f206819400f2","_type":"span","marks":[],"text":""},{"_key":"a5170953afaf","_type":"mainAnchor","pageAnchor":{"_ref":"d5017282-7bc8-4433-bcd8-1bc15bc86641","_type":"reference"}},{"_key":"f7b926c31def2","_type":"span","marks":[],"text":"How much can I pay into a personal pension?"}],"markDefs":[],"style":"h2"},{"_key":"785d2edd23e3","_type":"block","children":[{"_key":"6a1c63cdf64e","_type":"span","marks":[],"text":"The maximum amount most people can pay into their pensions each tax year is typically £60,000 or 100% of their salary - whichever is lowest. 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"}],"markDefs":[],"style":"normal"},{"_key":"df831d7c3ec1","_type":"block","children":[{"_key":"ad27e48c5fea","_type":"span","marks":[],"text":"The tapered annual allowance affects individuals whose:"}],"markDefs":[],"style":"normal"},{"_key":"2bf193ea29e0","_type":"block","children":[{"_key":"32148a15cad70","_type":"span","marks":[],"text":"‘threshold income’ is above £200,000 "},{"_key":"6e33ff443e3e","_type":"span","marks":["em"],"text":"and;"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4ad29e2a2bb7","_type":"block","children":[{"_key":"3720e998380b","_type":"span","marks":[],"text":"‘adjusted income’ is above £260,000"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"96b3ce2b1d5a","_type":"block","children":[{"_key":"dc38b0facec7","_type":"span","marks":[],"text":"Threshold income does not include your pension contributions, while adjusted income does."}],"markDefs":[],"style":"normal"},{"_key":"ae65a0c4eaa6","_type":"block","children":[{"_key":"419a0f39373b0","_type":"span","marks":[],"text":"Those who meet the criteria above will see their annual allowance gradually reduce by £1 for every £2 of ‘adjusted income’ above £260,000. 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This is a great way to start for the less confident investor who would prefer to have all the difficult decision-making handled for you."}],"markDefs":[{"_key":"b70bc2f1cd4b","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"6ac0bfb047a9","_type":"block","children":[{"_key":"f96bd3c6eab5","_type":"span","marks":[],"text":""},{"_key":"b4b2a500811e","_type":"mainAnchor","pageAnchor":{"_ref":"cbf710fc-0661-47c8-b9c5-b0c5315d37b1","_type":"reference"}},{"_key":"dfac1679452e","_type":"span","marks":[],"text":"How much does a personal pension cost?"}],"markDefs":[],"style":"h2"},{"_key":"c56016f0cd43","_type":"block","children":[{"_key":"432fb9ca16c0","_type":"span","marks":[],"text":"There are three basic elements to the cost of having and running a SIPP account. These typically include:"}],"markDefs":[],"style":"normal"},{"_key":"d3dea964ce4b","_type":"block","children":[{"_key":"f0c8a51c9cd3","_type":"span","marks":["strong"],"text":"Admin fees: "},{"_key":"b0f9dfd3d87c","_type":"span","marks":[],"text":"The annual administration fee for providing the pension - this will usually be between 0.35% and 0.5% each year and will be levied by the company you open up the account with."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"040f23a1e4d1","_type":"block","children":[{"_key":"3da1063e39ab","_type":"span","marks":["strong"],"text":"Dealing charges:"},{"_key":"653447385695","_type":"span","marks":[],"text":" The fees charged when you buy or sell funds or shares. It’s normally about a tenner to buy a share and buying funds is usually less or free."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"157061d0c482","_type":"block","children":[{"_key":"f573a3f84539","_type":"span","marks":["strong"],"text":"Fund management fees:"},{"_key":"fa2f200939a0","_type":"span","marks":[],"text":" The annual charge from the fund manager for managing your investments. This will apply if you buy managed funds inside your pension, which is typically the case. This is usually about 0.75% every year."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a00e7156f141","_type":"block","children":[{"_key":"23fe9ccb048c","_type":"span","marks":[],"text":"Most people wonder why it can’t just be bundled together as a single and simple fee, but the UK financial services regulator - the FCA - has been clear that it wants people to know what they are paying for the different parts of the overall service."}],"markDefs":[],"style":"normal"},{"_key":"034a23f191a8","_type":"block","children":[{"_key":"064cba8435f0","_type":"span","marks":[],"text":"All in, most people should not be paying more than about 1.3% a year. So that's £13 on every £1,000 invested. 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"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"9c488de311ee","_type":"anchorMenuMobile","title":"s"},{"_key":"447c6d468db6","_type":"block","children":[{"_key":"06520afc7487","_type":"span","marks":[],"text":""},{"_key":"c98d57798740","_type":"mainAnchor","pageAnchor":{"_ref":"e9c0177b-6542-485b-8b54-b2dde687a66d","_type":"reference"}},{"_key":"35fae524f7f9","_type":"span","marks":[],"text":"The basics of shares"}],"markDefs":[],"style":"h2"},{"_key":"5f60b3bfdfc8","_type":"block","children":[{"_key":"e53719543f25","_type":"span","marks":[],"text":"In a nutshell"}],"markDefs":[],"style":"h3"},{"_key":"ada52ffdefc5","_type":"textboxWidget","text":[{"_key":"e4f0cc02c3dd","_type":"block","children":[{"_key":"7f6e442dceec","_type":"span","marks":[],"text":"Also called \"stocks\" or \"equities\""}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1bd68c0c4670","_type":"block","children":[{"_key":"4d6b991fc585","_type":"span","marks":[],"text":"Like buying a 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few)"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"3c834965d9f9","_type":"block","children":[{"_key":"82421e363da3","_type":"span","marks":[],"text":""},{"_key":"b8bf69e879a3","_type":"mainAnchor","pageAnchor":{"_ref":"224d5d05-5125-4c55-9f64-54bd1984234b","_type":"reference"}},{"_key":"3f27679e917a","_type":"span","marks":[],"text":"What are shares?"}],"markDefs":[],"style":"h2"},{"_key":"fa1d123377a8","_type":"block","children":[{"_key":"f457d87714fc","_type":"span","marks":[],"text":"Our Founder & CEO Holly Mackay explains what you need to know about shares and how they work in the bitesized video 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This is where shares come in. They let us own a small slice of a company, so if they do well, so do we. And if they flop, we lose money."}],"markDefs":[],"style":"normal"},{"_key":"a0e51805f65c","_type":"block","children":[{"_key":"1d694591f0bd0","_type":"span","marks":[],"text":"Also known as stocks, or equities, shares exist to enable companies to raise money to fund their activity and growth. Individuals or companies buy shares, and give that company some money in return for ownership of a small piece of that business."}],"markDefs":[],"style":"normal"},{"_key":"059b41aceadf","_type":"block","children":[{"_key":"e2ce0bb15dbb0","_type":"span","marks":[],"text":"The thought process behind buying a share is no more complicated than what you see on Dragon's Den. You're the dragon trying to work out if you should invest in the company or not. But buying a single share can actually be a risky way to access the stock market. Why? Well, you're putting all your eggs in one basket."}],"markDefs":[],"style":"normal"},{"_key":"406e204d28d3","_type":"block","children":[{"_key":"8fe730591b110","_type":"span","marks":[],"text":"We spoke to a lady who was horrified that she bought M&S shares and they went down. \"I mean, it was M&S! They're really busy!\" Just because it's a big brand which looks safe and solid, doesn't necessarily mean they're making decent profits that year or tracking to plan. "}],"markDefs":[],"style":"normal"},{"_key":"a8166423face","_type":"block","children":[{"_key":"fb63eec8d60f","_type":"span","marks":[],"text":""},{"_key":"47a7d68d0f5b","_type":"mainAnchor","pageAnchor":{"_ref":"418e4e74-c858-4625-9d7a-8c06f7c6e4ad","_type":"reference"}},{"_key":"758bdfebe7ed","_type":"span","marks":[],"text":"Are shares right for me?"}],"markDefs":[],"style":"h2"},{"_key":"0deb8561d20a","_type":"block","children":[{"_key":"c181c818cb3f","_type":"span","marks":[],"text":"15% of UK adults own shares [1], but they're not the right sort of investment for everyone - especially if you're low on time or looking for an easy way to put your money behind several companies. Here's an overview of some of the main pros and cons of shares."}],"markDefs":[],"style":"normal"},{"_key":"db9f89042c3f","_type":"prosConsWidget","cons":["Want a global mix of investments ","Are time poor ","Will only choose 2 or 3!"],"consTitle":"Bad if you ","pros":["Actively follow the markets","Want to be in charge","Have time to dedicate to this "],"prosTitle":"Good if you "},{"_key":"c3a7ffeffbb7","_type":"block","children":[{"_key":"271a51c12db2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5b2ffecea1c4","_type":"block","children":[{"_key":"05c92c04fca2","_type":"span","marks":[],"text":""},{"_key":"4bc185b25eec","_type":"mainAnchor","pageAnchor":{"_ref":"126f92a2-61db-45bc-9444-4172007cc99b","_type":"reference"}},{"_key":"41d53cf47ed5","_type":"span","marks":[],"text":"Cash vs shares"}],"markDefs":[],"style":"h2"},{"_key":"bd1126eb98eb","_type":"block","children":[{"_key":"0612752e8969","_type":"span","marks":["strong"],"text":"If you had put £10,000 away in 2015, what would it be worth by the end of September 2025?"}],"markDefs":[]},{"_key":"a5368c85fe2c","_type":"block","children":[{"_key":"da32cdb4e3ce","_type":"span","marks":[],"text":"The graph below shows you a recent example of how cash has performed compared to stock market shares. For the purposes of this illustration, we've looked at the growth of a single £10,000 lump sum investment in cash and in two stock market indices: the "},{"_key":"c79b9014dcc5","_type":"span","marks":["4b175e3b60cd"],"text":"FTSE 100"},{"_key":"31e14e27f0b1","_type":"span","marks":[],"text":" and "},{"_key":"fa15bb1b35a8","_type":"span","marks":["ccbe1340ca9f"],"text":"MSCI World"},{"_key":"5e096fa1dd9d","_type":"span","marks":[],"text":" (you can read more about these below the image)."}],"markDefs":[{"_key":"4b175e3b60cd","_type":"glossaryPick","reference":{"_ref":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"reference"}},{"_key":"ccbe1340ca9f","_type":"glossaryPick","reference":{"_ref":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"reference"}}],"style":"normal"},{"_key":"a8cf71d02792","_type":"block","children":[{"_key":"d84597919bbd","_type":"span","marks":[],"text":"It's clear to see that leaving your money in cash (pink) led to significantly less growth over the period between 2015-2025 than if you had invested in stock markets. And although the British FTSE 100 Index (blue) didn't perform quite as well as MSCI World (green), it still climbed to £2,182 - compared to gains of just £1,180 from cash over the same time period. Of course, these numbers look measly compared to MSCI World's impressive £3,348 gain."}],"markDefs":[],"style":"normal"},{"_key":"eacbefb8908a","_type":"block","children":[{"_key":"7186a99d615e","_type":"span","marks":[],"text":"NB: The dip you can see after Q4 2019 reflects the start of the COVID-19 pandemic and subsequent global lockdowns."}],"markDefs":[],"style":"normal"},{"_key":"b33adb272cf6","_type":"frameWidget","href":"https://www.canva.com/design/DAG7OFE42_c/V25AjrWXM8szDDn7pZL9bg/view?embed"},{"_key":"9898bcddeff8","_type":"block","children":[{"_key":"2f05e2427ec8","_type":"span","marks":["em"],"text":"Source: FE FundInfo. "}],"markDefs":[],"style":"small"},{"_key":"906d1a3db60a","_type":"block","children":[{"_key":"b29deef19a8e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d745e25d9983","_type":"block","children":[{"_key":"d611edb2ae67","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"adb9f4083d5c","_type":"block","children":[{"_key":"22374dbfb4fe","_type":"span","marks":[],"text":""},{"_key":"c07bbbc35194","_type":"mainAnchor","pageAnchor":{"_ref":"223c3cb3-164a-4144-b7ec-60a049133752","_type":"reference"}},{"_key":"91a17272db40","_type":"span","marks":[],"text":"Will shares outperform cash in the next 10 years?"}],"markDefs":[],"style":"h2"},{"_key":"15bd2c48638c","_type":"block","children":[{"_key":"d367b10febfa","_type":"span","marks":[],"text":"Just like the weather, it's impossible to predict what the future holds. All we can do is show what has happened in the past. Shares are a bumpier ride than cash – and not a short-term thing. Anyone who says they can guarantee you'll make money is probably lying. There are risks. But research tells us that shares have done better than cash 9 times out of 10 over any 10 year period since the stock markets began."}],"markDefs":[],"style":"normal"},{"_key":"e51d6e72bf95","_type":"block","children":[{"_key":"9b843e253e7f0","_type":"span","marks":[],"text":"You buy and sell them on the stock market and, just like eBay, people make bids and offers. But it all happens super fast. Prices bounce up and down and at the end of the day it all comes down to sentiment – if loads of people want a slice of the action and these things are flavour of the month (think Nintendo after Pokemon Go), then prices rise as the sellers get a bit cockier. If people get turned off and the share in question is uncool, then everyone tries to offload them and the asking price falls."}],"markDefs":[],"style":"normal"},{"_key":"2c5c408f7745","_type":"block","children":[{"_key":"5517dd075cf1","_type":"span","marks":[],"text":"Curious about what's got investors' interest this week? Catch up with Holly's award-winning blog every Friday for the low-down on what's going on in stock markets, how it could impact your finances, and some no-nonsense food for thought to help you make better money choices."}],"markDefs":[],"style":"normal"},{"_key":"f73008bb0852","_type":"block","children":[{"_key":"1330f0821be2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2ce8804a8fc7","_type":"emailSignupWidget","brazeCustomAttributes":[{"_key":"8b471fe69932","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_blog","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/shares/"}],"emailSignupWidgetButtonText":"SIGN UP","image":{"_type":"mainImage","alt":"Image of Boring Money CEO Holly Mackay","asset":{"_ref":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png","_type":"reference"}},"paragraphText":"Sign up for no-nonsense tips, tricks and food for thought every Friday!","thankYouText":[{"_key":"ee1425e50c90","_type":"block","children":[{"_key":"03c4926a2d3f","_type":"span","marks":[],"text":"Thank you for signing up!"}],"markDefs":[],"style":"normal"}],"title":"Want to get Holly's weekly blog straight to your inbox?"},{"_key":"b2dea6276185","_type":"block","children":[{"_key":"023c64412ca5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"28d3689c637a","_type":"block","children":[{"_key":"76733dfbfc45","_type":"span","marks":[],"text":""},{"_key":"0a9998a15f58","_type":"mainAnchor","pageAnchor":{"_ref":"b51797d9-dc13-41da-a375-b898f0a9e850","_type":"reference"}},{"_key":"0c127d60e2f30","_type":"span","marks":[],"text":"How can I buy shares?"}],"markDefs":[],"style":"h2"},{"_key":"104c6e83ed38","_type":"block","children":[{"_key":"c60e50ec6f020","_type":"span","marks":[],"text":"Rather than going to companies directly and asking to buy a share of their business, we access shares through a central market otherwise known as the Stock Exchange. Companies will 'list' on the Stock Exchange, which means anyone can buy or sell a share."}],"markDefs":[],"style":"normal"},{"_key":"6b952a371b27","_type":"block","children":[{"_key":"c96caa808e100","_type":"span","marks":[],"text":"The Stock Exchange can be accessed through online investment platforms, many of which are beginner-friendly. These platforms allow you to purchase a small percentage of some of the world's largest companies - this ranges from BP to HSBC, Apple to Samsung, and Microsoft to British Airways."}],"markDefs":[],"style":"normal"},{"_key":"22300cbe9ed3","_type":"block","children":[{"_key":"7a5c50542b870","_type":"span","marks":[],"text":"You can either buy individual shares directly - through an online broker or an investment platform - or purchase a fund in order to get exposure to dozens of shares in one fell swoop. If you're new to investing and don't know where to start, check out our hand-selected Best For Beginners award winners to see which providers we think are the best starting point."}],"markDefs":[],"style":"normal"},{"_key":"6edb4bdd89cb","_type":"block","children":[{"_key":"b8900097f7ce","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best For Beginners award winners "}],"markDefs":[],"style":"normal"}],"_key":"61821a40134b","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"b5821c35-fa71-43c3-8f89-cc7b29ad9030","_type":"reference"},"text":"CLICK HERE"},{"_key":"adc43eba0539","_type":"block","children":[{"_key":"fa3bf0ee3f7a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ea21677253e9","_type":"block","children":[{"_key":"67c0573a3e1a","_type":"span","marks":[],"text":""},{"_key":"d6fc0adcefb5","_type":"mainAnchor","pageAnchor":{"_ref":"81ce9ca2-c137-4518-a387-0704343a7403","_type":"reference"}},{"_key":"a3c5345fe75c0","_type":"span","marks":[],"text":"Buying bulk shares through a fund"}],"markDefs":[],"style":"h3"},{"_key":"e398386f79e3","_type":"block","children":[{"_key":"87b61ebbd9e70","_type":"span","marks":[],"text":"The concept of buying shares through a "},{"_key":"5d2b30ca7f3e","_type":"span","marks":["69d28fa112e1"],"text":"fund"},{"_key":"b1c54b0016d7","_type":"span","marks":[],"text":" is similar to buying a mixed case of wine. You don't have time to pick individual bottles, or you don't want the responsibility of choosing the best, so you let it be done for you. You're outsourcing the selection of individual components to someone else."}],"markDefs":[{"_key":"69d28fa112e1","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"338dc4e1da41","_type":"block","children":[{"_key":"a6c6dd0980fc0","_type":"span","marks":[],"text":"A single fund will usually house around 30-60 shares. Whilst someone else may have invested £1,000 into an individual share, a very small percentage of your £1,000 may be invested in the same company. If that business then takes a hit, you won't be so badly affected - the majority of your money is invested elsewhere. 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Their ability to grow wealth over the long term and generate reliable income has made them a popular and enduring investment option."}],"markDefs":[],"style":"normal"},{"_key":"f02672f9e59a","_type":"block","children":[{"_key":"2e48711a22ca","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"098f98318792","_type":"mainImage","alt":"Infographic outlining 3 key things you need to know about investment trusts.","asset":{"_ref":"image-77a48487e73acb03dbb2f57e8530a3474958dcdb-1920x1080-png","_type":"reference"},"blankAltTag":true},{"_key":"658b62bf65d5","_type":"block","children":[{"_key":"37e28dbba812","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"139857efca68","_type":"block","children":[{"_key":"12d0b8472e29","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a1005bf038af","_type":"block","children":[{"_key":"b1532024fcba","_type":"span","marks":[],"text":"At their core, Investment Trusts are collective investment vehicles which function similarly to a mutual "},{"_key":"e9fe7212ec0b","_type":"span","marks":["ccc3e390b038"],"text":"fund"},{"_key":"b3c1b8c9a605","_type":"span","marks":[],"text":". They pool together the money of investors (the Trust's shareholders) and professional"},{"_key":"cf04b29e7808","_type":"span","marks":["0dc04f86fbe6"],"text":" fund managers"},{"_key":"e32c287aff05","_type":"span","marks":[],"text":" then invest this money in a diversified mix of "},{"_key":"d5c10a7cb69b","_type":"span","marks":["dae918e4dc8f"],"text":"assets"},{"_key":"00e617852dac","_type":"span","marks":[],"text":" - such as "},{"_key":"4dce9bf956a0","_type":"span","marks":["acf0e1aef236"],"text":"shares"},{"_key":"30ab9d197a8b","_type":"span","marks":[],"text":", "},{"_key":"b98c4a9280d9","_type":"span","marks":["ae80e5c2e424"],"text":"bonds"},{"_key":"ef5b5138e1c9","_type":"span","marks":[],"text":", or property - according to the investment aims of the particular Trust."}],"markDefs":[{"_key":"ccc3e390b038","_type":"glossaryPick","reference":{"_ref":"18e00366-dfcb-4186-8d35-7d6abf19fde7","_type":"reference"}},{"_key":"ae80e5c2e424","_type":"glossaryPick","reference":{"_ref":"ea467285-7d48-4093-b16e-76d3f8a95fc1","_type":"reference"}},{"_key":"dae918e4dc8f","_type":"glossaryPick","reference":{"_ref":"bbd21391-fb19-4ae7-9dd4-03e45b9ff515","_type":"reference"}},{"_key":"0dc04f86fbe6","_type":"glossaryPick","reference":{"_ref":"52cb8779-f204-4e14-b5e9-c3bb3cf56993","_type":"reference"}},{"_key":"acf0e1aef236","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}}],"style":"normal"},{"_key":"989f2700802e","_type":"block","children":[{"_key":"83fc9f89aa2a","_type":"span","marks":[],"text":"Unlike mutual funds, Investment Trusts are structured as closed-ended companies, meaning the number of shares available at any one time is fixed. This structure can lead to shares trading at a "},{"_key":"ca34a1df2419","_type":"span","marks":["db7d16e2b826"],"text":"premium"},{"_key":"7e483654a0fc","_type":"span","marks":[],"text":" or "},{"_key":"24f6721e852d","_type":"span","marks":["b541dc26b4e7"],"text":"discount"},{"_key":"c8a9e5db5ce9","_type":"span","marks":[],"text":" to the value of the underlying assets ("},{"_key":"d7c880d3e19e","_type":"span","marks":["38020b4e5112"],"text":"NAV"},{"_key":"f9e7404ed02b","_type":"span","marks":[],"text":"), depending on investor demand."}],"markDefs":[{"_key":"db7d16e2b826","_type":"glossaryPick","reference":{"_ref":"1830ef60-3809-4512-81e2-615746b98703","_type":"reference"}},{"_key":"b541dc26b4e7","_type":"glossaryPick","reference":{"_ref":"e83fac5f-7b96-4a74-a65e-ba25dad1285e","_type":"reference"}},{"_key":"38020b4e5112","_type":"glossaryPick","reference":{"_ref":"fed61c02-3002-4768-9374-16377d6a555f","_type":"reference"}}],"style":"normal"},{"_key":"a2afd30ca564","_type":"block","children":[{"_key":"3b189eacf653","_type":"span","marks":[],"text":"Investment Trusts can suit a range of different investment styles and goals. You can choose Trusts that focus on specific regions, such as Europe, the US, or emerging markets, or sectors like technology, healthcare, renewable energy, or infrastructure. There are also trusts that focus on niche areas like property or care homes, providing exposure to investments that may be otherwise difficult to access or trade (\""},{"_key":"e129343ccb8b","_type":"span","marks":["ea49f06947df"],"text":"illiquid"},{"_key":"1ce1ed5704d8","_type":"span","marks":[],"text":"\")."}],"markDefs":[{"_key":"ea49f06947df","_type":"glossaryPick","reference":{"_ref":"218d3eda-c963-4bda-8132-0eaae6e1bbd2","_type":"reference"}}],"style":"normal"},{"_key":"c894f0d25c5d","_type":"block","children":[{"_key":"f974a8a3f536","_type":"span","marks":[],"text":"One of the key benefits of Investment Trusts is their potential to provide regular income. Many Trusts pay cash "},{"_key":"6b1303b80038","_type":"span","marks":["5a8128b50585"],"text":"dividends"},{"_key":"90e3bcf565f8","_type":"span","marks":[],"text":", which is why they're popular with income-seeking investors such as retirees. Investment Trusts can also retain income in strong years, allowing them to continue paying dividends during more difficult periods - a feature known as dividend smoothing."}],"markDefs":[{"_key":"5a8128b50585","_type":"glossaryPick","reference":{"_ref":"879c473d-ba07-433e-ad4d-217e24243b54","_type":"reference"}}],"style":"normal"},{"_key":"080731a11e49","_type":"block","children":[{"_key":"67dabc5842bb","_type":"span","marks":[],"text":"In summary, Investment Trusts offer a flexible, expert-led way to invest in a variety of markets and sectors, with the added bonus of potentially generating a regular stream of income too."}],"markDefs":[],"style":"normal"},{"_key":"a37339e7a09b","_type":"block","children":[{"_key":"b6119c2d8f7f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e7c00b3b2796","_type":"block","children":[{"_key":"90093847ab80","_type":"span","marks":[],"text":""},{"_key":"1a8346fe9d68","_type":"mainAnchor","pageAnchor":{"_ref":"5ffe43cc-7428-4545-b43c-a810adab8ac1","_type":"reference"}},{"_key":"2c07e60a4da8","_type":"span","marks":[],"text":"Are Investment Trusts right for me?"}],"markDefs":[],"style":"h2"},{"_key":"da726e264102","_type":"prosConsWidget","cons":["Need access to your money at short notice","Are new to investing and don’t want to mess with discounts, premiums, or volatility","Are risk-averse and would prefer to stick with cash or something similar"],"consTitle":"Bad if you ","pros":["Are comfortable with the idea of ups and downs","Want access to a broad range of investments but don’t fancy picking stocks yourself","Trust the pros to steer the ship"],"prosTitle":"Good if you "},{"_key":"bbc4c864c5f9","_type":"block","children":[{"_key":"a5b4d9a5a452","_type":"span","marks":[],"text":""},{"_key":"3ef2a2f4dd4f","_type":"mainAnchor","pageAnchor":{"_ref":"09d9805b-5e03-4907-a23c-c60f5705185a","_type":"reference"}},{"_key":"274fef21dfed","_type":"span","marks":[],"text":"The pros of Investment Trusts"}],"markDefs":[],"style":"h2"},{"_key":"50439097ee4c","_type":"block","children":[{"_key":"b901a4fc88b2","_type":"span","marks":["strong"],"text":"Investment Trusts suit investors who are comfortable with ups and downs, want broad market access without picking stocks themselves, and trust a professional manager to make the calls."}],"markDefs":[],"style":"normal"},{"_key":"987121fd1d55","_type":"block","children":[{"_key":"b066335137b2","_type":"span","marks":[],"text":"✅ Potential for higher returns"}],"markDefs":[],"style":"h3"},{"_key":"3e95d338e20f","_type":"block","children":[{"_key":"3228d62622a3","_type":"span","marks":[],"text":"Investment Trusts can borrow money to try and boost returns with a process called “"},{"_key":"93ad4aee2bcf","_type":"span","marks":["915385f7dc42"],"text":"gearing"},{"_key":"dbb790e24479","_type":"span","marks":[],"text":".” If the Trust’s underlying investments do well, borrowing can help make magnify the gains. Also, because Investment Trusts don’t have to sell investments when shareholders take their money out (unlike other types of fund), the manager has the freedom to focus on long-term growth without being forced to react to short-term panic. So investors also benefit from having an expert at the helm with the discretion to make informed decisions to maximise profit. We explain more about gearing in the next section."}],"markDefs":[{"_key":"915385f7dc42","_type":"glossaryPick","reference":{"_ref":"f97d6d3d-a4b0-45b3-a1a0-740b0e4d32d6","_type":"reference"}}],"style":"normal"},{"_key":"d80ac354e71e","_type":"block","children":[{"_key":"de4c277b16d2","_type":"span","marks":[],"text":"✅ Reliable income"}],"markDefs":[],"style":"h3"},{"_key":"06efd25d4dd7","_type":"block","children":[{"_key":"ebbf9ceeeea0","_type":"span","marks":[],"text":"Many Investment Trusts are known for providing a steady income, thanks to something called “dividend smoothing.” Unlike regular funds, which have to pay out all the income they earn each year, Investment Trusts are allowed to hold back up to 15% of that income. They can stash it away in a reserve during the good years and then use those reserves to top up payouts in tougher years, when income might dip. "}],"markDefs":[],"style":"normal"},{"_key":"09f8756504e9","_type":"block","children":[{"_key":"c9cbbb226677","_type":"span","marks":[],"text":"This creates a smoother, more reliable stream of income for investors. It’s especially useful for people who rely on dividends to pay the bills, such as those in retirement, or anyone who simply prefers a consistent drip of income rather than big highs and lows. Some Trusts have done this so well that they’ve managed to increase their dividend every single year for decades, even during financial crises and market crashes. "}],"markDefs":[],"style":"normal"},{"_key":"b1bd31ed541b","_type":"block","children":[{"_key":"55fa0c0f896c","_type":"span","marks":[],"text":"✅ Independent oversight"}],"markDefs":[],"style":"h3"},{"_key":"25a4a648d1f6","_type":"block","children":[{"_key":"825a8816d961","_type":"span","marks":[],"text":"Every Investment Trust has its own independent board of directors and their job is to make sure everything’s running as it should. Think of them like a watchdog or a built-in quality control team. They don’t manage the money directly, but they do oversee the "},{"_key":"ee7dec9f1d2b","_type":"span","marks":["6c743728b6de"],"text":"fund manager"},{"_key":"f45db98760d9","_type":"span","marks":[],"text":", making sure they’re sticking to the Trust’s strategy and doing a good job for investors."}],"markDefs":[{"_key":"6c743728b6de","_type":"glossaryPick","reference":{"_ref":"52cb8779-f204-4e14-b5e9-c3bb3cf56993","_type":"reference"}}],"style":"normal"},{"_key":"1e96a3919610","_type":"block","children":[{"_key":"f6dba4981e15","_type":"span","marks":[],"text":"If the Trust is performing badly, taking too much risk, or drifting away from its stated goals, the board can step in, ask tough questions, and even replace the manager if needed. It’s their job to put investors’ interests first and hold the manager accountable. This kind of independent oversight is a big plus for Investment Trusts and not something you always get with other types of funds."}],"markDefs":[],"style":"normal"},{"_key":"31f57f469a2a","_type":"block","children":[{"_key":"6ca323b7abc8","_type":"span","marks":[],"text":""},{"_key":"055d612bcc97","_type":"mainAnchor","pageAnchor":{"_ref":"21f22319-470e-48eb-ab11-956075d6cba5","_type":"reference"}},{"_key":"ec4985853e6e","_type":"span","marks":[],"text":"The cons of Investment Trusts"}],"markDefs":[],"style":"h2"},{"_key":"7b3df5c5a3d0","_type":"block","children":[{"_key":"48feed4e932e","_type":"span","marks":["strong"],"text":"Investment Trust share prices can trade at a premium or discount to the actual value of their assets, gearing can amplify losses as well as gains, and smaller or niche trusts can be harder to sell quickly."}],"markDefs":[],"style":"normal"},{"_key":"a8124a8c29f3","_type":"block","children":[{"_key":"a20f416997cc","_type":"span","marks":[],"text":"❌ More complex pricing"}],"markDefs":[],"style":"h3"},{"_key":"e67850bac45d","_type":"block","children":[{"_key":"b8362b4bf79f","_type":"span","marks":[],"text":"Investment Trusts are listed on the stock market, which means you buy and sell them just like shares. But here’s the catch: the price you pay isn’t always the same as the value of what the Trust actually owns - known as the "},{"_key":"f52b636d3e53","_type":"span","marks":["a0e6e2a5541b"],"text":"Net Asset Value "},{"_key":"289fd17a74c4","_type":"span","marks":[],"text":"(NAV)."}],"markDefs":[{"_key":"a0e6e2a5541b","_type":"glossaryPick","reference":{"_ref":"fed61c02-3002-4768-9374-16377d6a555f","_type":"reference"}}],"style":"normal"},{"_key":"52cbe0cee3dc","_type":"block","children":[{"_key":"f6fc34513289","_type":"span","marks":[],"text":"Sometimes, a Trust’s shares trade at a premium, meaning you’re paying "},{"_key":"f445ca7120fb","_type":"span","marks":["em"],"text":"more"},{"_key":"a2132321b21a","_type":"span","marks":[],"text":" than the total value of its assets. Other times, they trade at a discount, which means you’re getting the assets for less than they’re technically worth. That can sound like a bargain (and sometimes it is), but it can also be a sign that something’s not right - like poor performance or low demand."}],"markDefs":[],"style":"normal"},{"_key":"41f4e84268c6","_type":"block","children":[{"_key":"22908b3bb771","_type":"span","marks":[],"text":"This adds an extra layer of complexity, especially for newer investors. You’re not just looking at how the underlying investments are doing, you also have to think about how the market feels about the Trust itself, which can affect the price."}],"markDefs":[],"style":"normal"},{"_key":"63d25222e343","_type":"block","children":[{"_key":"72026564e187","_type":"span","marks":[],"text":"❌ Volatility from gearing"}],"markDefs":[],"style":"h3"},{"_key":"573c14c47d8c","_type":"block","children":[{"_key":"43239b21b7bb","_type":"span","marks":[],"text":"Gearing can boost returns when markets are rising, as the Trust has more capital working for it. But it cuts both ways. If markets fall, gearing can amplify losses, because the Trust still owes what it borrowed. That means a small market dip can lead to a bigger hit to your investment."}],"markDefs":[],"style":"normal"},{"_key":"32ee3a8b93d0","_type":"block","children":[{"_key":"849b6da99cad","_type":"span","marks":[],"text":"Think of it like going downhill on a bike - fast and fun when things are smooth, but risky if you hit a bump."}],"markDefs":[],"style":"normal"},{"_key":"ce08f334bd29","_type":"block","children":[{"_key":"492b89afc6c8","_type":"span","marks":[],"text":"Not all Trusts use gearing, and those that do vary in how much. If you're risk-averse, nearing retirement, or might need your money soon, a geared trust may not be the right fit. Always check before you invest - the "},{"_key":"38ab6bff7723","_type":"span","marks":["562c044fcda2"],"text":"Association of Investment Companies (AIC)"},{"_key":"cb24c5106044","_type":"span","marks":[],"text":" is an industry body which represents Trusts in the UK and is a great place to start your research."}],"markDefs":[{"_key":"562c044fcda2","_type":"internalLinkPick","blank":true,"reference":{"_ref":"a096aa70-a20c-4b8a-a6a1-cb4a650afce6","_type":"reference"}}],"style":"normal"},{"_key":"9e94bdbf275f","_type":"block","children":[{"_key":"53101b04439a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a444e9eff618","_type":"textboxWidget","image":{"_type":"mainImage","asset":{"_ref":"image-c1a44dfa26a59e148b8614f83e2a1df3f4b4cdcf-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","text":[{"_key":"fdf7147b9782","_type":"block","children":[{"_key":"422f50bec8c0","_type":"span","marks":[],"text":"💡 Where to check for gearing"}],"markDefs":[],"style":"h4"},{"_key":"d7c038e7d74d","_type":"block","children":[{"_key":"00db00ad188e","_type":"span","marks":[],"text":"Investment Trust factsheets and/or annual reports typically display the current gearing level as a percentage of total assets. 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Descriptors like 'Cautious' or 'Ambitious' are frequently used, or sometimes expressed using visuals such as chilli peppers - not unlike the spice rating on a takeaway menu! 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After all, there are tens of thousands of investment options out there, offered by a growing number of investment platforms. I think ready-made portfolios can be a good starting point. These are off-the-peg portfolios and offered by most investment platforms. They are ideal for people who don't want to spend their time handpicking funds and learning the ins and outs. They don't require you to make any decisions about what to invest in. The only questions you'll need to answer are about how much risk you are willing to take on."}],"markDefs":[],"style":"normal"}]},{"_key":"d1c8ce807752","_type":"block","children":[{"_key":"529ab8a31dcc","_type":"span","marks":[],"text":""},{"_key":"db928b2e64b8","_type":"mainAnchor","pageAnchor":{"_ref":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"reference"}},{"_key":"c9fd2f6ab095","_type":"span","marks":[],"text":"What are the cons of ready-made portfolios?"}],"markDefs":[],"style":"h2"},{"_key":"1b2e2db3eae4","_type":"block","children":[{"_key":"4db14c105fff","_type":"span","marks":["strong"],"text":"The main drawbacks are limited investment choice, potentially higher costs through a robo-adviser and difficulty comparing performance across providers."}],"markDefs":[],"style":"normal"},{"_key":"9701fedd8172","_type":"block","children":[{"_key":"e19f4c941d4b","_type":"span","marks":[],"text":""},{"_key":"f652477a950f","_type":"mainAnchor","pageAnchor":{"_ref":"f7bfd443-0667-4ed8-a204-d14224f4feae","_type":"reference"}},{"_key":"badf8df9a789","_type":"span","marks":[],"text":"❌ Not enough choice"}],"markDefs":[],"style":"h3"},{"_key":"d8a15008fa5d","_type":"block","children":[{"_key":"d748871ab1a9","_type":"span","marks":[],"text":"If you’re a more experienced investor or someone who would prefer to have control over the ins and outs of their investments, a ready-made portfolio isn’t going to give you enough choice. All the decisions about what the portfolio is invested in, the proportion each element makes up of the whole and whether or not any adjustments are necessary are made for you – so if you want to be in total control, it’s not for you."}],"markDefs":[],"style":"normal"},{"_key":"00941053b8cf","_type":"block","children":[{"_key":"0be4f48a8010","_type":"span","marks":[],"text":""},{"_key":"48144685f283","_type":"mainAnchor","pageAnchor":{"_ref":"51c9ec3b-283f-439f-8475-964151d80f2b","_type":"reference"}},{"_key":"8969169c47b3","_type":"span","marks":[],"text":"❌ Can be expensive"}],"markDefs":[],"style":"h3"},{"_key":"d59831db12af","_type":"block","children":[{"_key":"d28e8fadda4e","_type":"span","marks":[],"text":"Ready-made portfolios can come with a higher price tag if you buy them through a"},{"_key":"2046e2f7789b","_type":"span","marks":["371b58d7b032"],"text":" robo adviser"},{"_key":"ea084cb7ca23","_type":"span","marks":[],"text":". This is because robo advisers typically offer a rebalancing service where your portfolio is continually monitored and adjusted using complex algorithms and AI designed to match your chosen level of investment risk (more on robo advisers and risk later). You’re essentially paying a bit extra for the convenience of not having to do this number-crunching – or the admin of manually tweaking your investments – yourself.  For some this isn’t worth it, but for others, some extra money every year for someone else to do the hard work is a sacrifice worth making. "}],"markDefs":[{"_key":"371b58d7b032","_type":"glossaryPick","reference":{"_ref":"a4f2c20d-3281-4d94-abdb-4a361ef45dab","_type":"reference"}}],"style":"normal"},{"_key":"7d9c5d5222b3","_type":"block","children":[{"_key":"976cd411fcf4","_type":"span","marks":[],"text":"Alternatively, ready-made portfolios cost the same amount on a standard investment platform as buying all the individual investments separately on the same platform. But for many investors, and particularly for beginners, if you’re happy with what a ready-made portfolio is investing in, it's usually easier to just buy it. Otherwise you're managing dozens of individual investments separately for the same end cost."}],"markDefs":[],"style":"normal"},{"_key":"714ff3fd4efc","_type":"block","children":[{"_key":"852b280917d7","_type":"span","marks":[],"text":""},{"_key":"04f08902b23a","_type":"mainAnchor","pageAnchor":{"_ref":"4c907ba2-4736-40b1-9cbc-d4a67ed183f2","_type":"reference"}},{"_key":"6ceeced9d06a","_type":"span","marks":[],"text":"❌ Hard to compare performance"}],"markDefs":[],"style":"h3"},{"_key":"f64b86f5afcd","_type":"block","children":[{"_key":"bd2f100d6f1b0","_type":"span","marks":[],"text":"There’s a large selection of ready-made portfolios on the market, all of which can invest in very different things in very different ways, which can make it difficult to compare how the one you’ve got is doing relative to similar ones. This could mean you end up sticking around in a portfolio which is underperforming simply because you’re not aware of its relative performance. "}],"markDefs":[],"style":"normal"},{"_key":"706f68ae82ac","_type":"block","children":[{"_key":"e18954c2940e","_type":"span","marks":[],"text":"Fortunately, we’ve got just fix for that - "},{"_key":"24db6d8b3e40","_type":"span","marks":["5e4ffac83d08"],"text":"click here"},{"_key":"9e947ac64466","_type":"span","marks":[],"text":" to see the latest performance results from the UK's top ready-made portfolio providers. "}],"markDefs":[{"_key":"5e4ffac83d08","_type":"internalLinkPick","reference":{"_ref":"9759ddeb-6a13-408b-9fb3-4b03280fa475","_type":"reference"}}],"style":"normal"},{"_key":"9d7b668936f0","_type":"block","children":[{"_key":"ca9cec0117b7","_type":"span","marks":[],"text":""},{"_key":"5cd5e1d68f45","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"e8fe8a7219dc","_type":"span","marks":[],"text":"Top questions on ready-made portfolios"}],"markDefs":[],"style":"h2"},{"_key":"e689c6ec2420","_type":"block","children":[{"_key":"cfac45cad209","_type":"span","marks":[],"text":"How much do ready-made portfolios cost?"}],"markDefs":[],"style":"h3"},{"_key":"bbdc8bc5795d","_type":"block","children":[{"_key":"176dd5566bb7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9d741607ffb8","_type":"textboxWidget","image":{"_type":"mainImage","alt":"💡 All-in fees are typically in the range of between 0.50 - 1% per year."},"text":[{"_key":"39e59e8b504d","_type":"block","children":[{"_key":"58347245920d","_type":"span","marks":[],"text":"💡"},{"_key":"2437b6c33d1a","_type":"span","marks":["strong"],"text":" All-in fees are typically in the range of between 0.50 - 1% per year."}],"markDefs":[],"style":"normal"}]},{"_key":"26004d4bc6ca","_type":"block","children":[{"_key":"cb896735a55b0","_type":"span","marks":[],"text":"The cost of investing in a ready-made portfolio depends on which one you choose and the provider that runs it. All-in fees are typically in the range of between 0.50 - 1% per year. "}],"markDefs":[],"style":"normal"},{"_key":"47000acf2489","_type":"block","children":[{"_key":"285e9351cfbe","_type":"span","marks":[],"text":"See how the Boring Money analysts rate the costs of ready-made solutions across different pricing scenarios below"}],"markDefs":[],"style":"normal"},{"_key":"ffa6948a3cec","_type":"frameWidget","href":"https://www.canva.com/design/DAHDdOoh13Q/PV58xgqF_Alg8RV94V6uWA/view?embed"},{"_key":"4dfb663757e4","_type":"block","children":[{"_key":"8bd12e398357","_type":"span","marks":["em"],"text":"Source: Boring Money Data, correct as at 01/03/2026"}],"markDefs":[],"style":"normal"},{"_key":"3b5ad8b04f10","_type":"block","children":[{"_key":"e39bc5ec0cea","_type":"span","marks":[],"text":"Ready-made portfolios bought from a robo-adviser are usually on the higher end of this scale. However, as we mentioned before, you’re effectively paying for the convenience of the robo adviser to select and monitor all the underlying investments for you on an ongoing basis. This means that the price is sometimes a bit higher, but there’s less effort required from you to regularly tweak and rebalance your portfolio by yourself."}],"markDefs":[],"style":"normal"},{"_key":"6eabbce8b1ce","_type":"block","children":[{"_key":"429b0608ca66","_type":"span","marks":[],"text":""},{"_key":"732c3e42c6b1","_type":"mainAnchor","pageAnchor":{"_ref":"282a43f9-0565-46fe-aa52-8a66a420d68a","_type":"reference"}},{"_key":"2cb08af59ddd","_type":"span","marks":[],"text":"What’s the difference between a multi-asset fund and a ready-made portfolio? "}],"markDefs":[],"style":"h3"},{"_key":"b0a88c6ba6cb","_type":"block","children":[{"_key":"057476df7b6c","_type":"span","marks":[],"text":"A multi-asset fund is a single fund that holds a variety of different assets. A "},{"_key":"31ab943afc9f","_type":"span","marks":["876aa3b004a1"],"text":"ready-made portfolio"},{"_key":"97a3916ed8cc","_type":"span","marks":[],"text":", on the other hand, is usually a bundle of different funds (often including multi-asset funds) prepared by an investment provider to match "}],"markDefs":[{"_key":"876aa3b004a1","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"242ee40ac74f","_type":"block","children":[{"_key":"51fdb12bddd7","_type":"span","marks":[],"text":"Think of the fund as one dish and the portfolio as the whole buffet."}],"markDefs":[],"style":"normal"},{"_key":"317c0d081502","_type":"block","children":[{"_key":"5772c15edf52","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9060d899741d","_type":"tableControl","rows":[{"_key":"7e51deb836d3","_type":"row","cells":[{"_key":"f79d114c10a9","_type":"cell","tableStyle":"DB","value":[{"_key":"db14d1ee515e","_type":"block","children":[{"_key":"f54fcb46e9ca","_type":"span","marks":["strong"],"text":"Multi-asset fund"}],"markDefs":[],"style":"normal"}]},{"_key":"ec9b259076b3","_type":"cell","tableStyle":"DB","value":[{"_key":"b8e4014834b2","_type":"block","children":[{"_key":"94bf261b4147","_type":"span","marks":["strong"],"text":"Ready-made portfolio"}],"markDefs":[],"style":"normal"}]}]},{"_key":"e7fbd6e6219c","_type":"row","cells":[{"_key":"86b27cce148b","_type":"cell","tableStyle":"W","value":[{"_key":"c2004c5b3b00","_type":"block","children":[{"_key":"53fbbf0726950","_type":"span","marks":[],"text":"A single fund that provides exposure to multiple assets within one product – for example, bonds, shares "},{"_key":"b8ea44672d72","_type":"span","marks":["em"],"text":"and "},{"_key":"2b6384c2e993","_type":"span","marks":[],"text":"commodities."}],"markDefs":[],"style":"normal"}]},{"_key":"210631dccfd3","_type":"cell","tableStyle":"W","value":[{"_key":"570b344f46cf","_type":"block","children":[{"_key":"3a526871864d0","_type":"span","marks":[],"text":"A type of multi-asset fund which provides a blend of bond and equity exposure depending on your tolerance for risk (more on this below)."}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB"},{"_key":"125dfe6fa1b2","_type":"block","children":[{"_key":"f9cdfa0bf2f7","_type":"span","marks":[],"text":""},{"_key":"ac1102b3e9b4","_type":"mainAnchor","pageAnchor":{"_ref":"949df85c-448c-42b2-96e9-1eba6b556a6a","_type":"reference"}},{"_key":"2c4c835751a20","_type":"span","marks":[],"text":"How do I know which risk level is right for me?"}],"markDefs":[],"style":"h3"},{"_key":"cb9b02161637","_type":"block","children":[{"_key":"22cb3bcee2c0","_type":"span","marks":["strong"],"text":"Risk tolerance mainly comes down to your investing timeframe - the longer you can leave your money invested, the more short-term risk you can typically afford to take."}],"markDefs":[],"style":"normal"},{"_key":"12f2937f6de7","_type":"block","children":[{"_key":"df5f6bb4c3ea0","_type":"span","marks":[],"text":"Deciding how much risk you’re willing to tolerate with your investments is ultimately a personal decision. It’s important however to understand what we really mean when we talk about investment ‘risk’ before you make a decision."}],"markDefs":[],"style":"normal"},{"_key":"921a38fb4d03","_type":"block","children":[{"_key":"bbb7b3c50de90","_type":"span","marks":[],"text":"It’s not the same as - let's say - gambling, skiing down the black run, or even driving on the motorway at 100 miles per hour. Investment risk is actually all about volatility and how much the stock market can fluctuate over a given period of time. If you're investing over 30 years, for example, the ups and downs of today don't matter as much because you’ve got plenty of time to make up for any poor performances. But if, on the other hand, you’re investing for only 5 years, your investments would have a lot less time to recover if markets took a dip. So you can see, timeframes play a huge role in investment risk."}],"markDefs":[],"style":"normal"},{"_key":"339ffa75ca9d","_type":"block","children":[{"_key":"1c50a1db9038","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ab8a58ed19f8","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","alt":"Holly Mackay on investing risk and timeframes","asset":{"_ref":"image-09007f04fb546b786000b2729947b6dfc2f690aa-606x438-jpg","_type":"reference"}},"quote":[{"_key":"ea64f9ed170b","_type":"block","children":[{"_key":"b9917d105263","_type":"span","marks":[],"text":"As a rule of thumb, the more risk you take, the greater the chance of higher returns over the long-term. However, only you will know which category is right for you. Generally speaking, if your investment time horizon is ten years or more, then you could consider the higher risk portfolios. For those people investing with shorter time horizons - five years or so - or who don't have an appetite for alarming ups and downs, the low risk portfolios could be a good option. In theory, they should offer a smoother investment ride; they will make less over the long-term, but face less short-term volatility. Less than five years though and cash may be your best bet."}],"markDefs":[],"style":"normal"}]},{"_key":"82fedf2607f2","_type":"block","children":[{"_key":"8fd35a343b0f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2c835a525aea","_type":"block","children":[{"_key":"1ef87a462c1a0","_type":"span","marks":[],"text":"It’s also important to remember the very real risk of underestimating the impact of "},{"_key":"978d3055f439","_type":"span","marks":["1a8ada013d70"],"text":"inflation"},{"_key":"6d0cbd2e7e61","_type":"span","marks":[],"text":" on cash. Though it’s understandable to feel unsure and even nervous about investing your money, you could be locking yourself into losses if you leave your money in a current account or low interest savings account. Inflation will chew away at your pot over the longer-term and you could end up with savings that are worth considerably less than they were when you started. For example, if inflation is at 5% and you’re only earning 3% interest on your current account, then you’re actually losing 2% in real terms."}],"markDefs":[{"_key":"1a8ada013d70","_type":"glossaryPick","reference":{"_ref":"9d62b1af-7674-4f39-ba20-b0154d565241","_type":"reference"}}],"style":"normal"},{"_key":"7225e60d248d","_type":"block","children":[{"_key":"6b1ed8141a9d0","_type":"span","marks":[],"text":"For those aiming to save for five years or less, this is less of a concern, but the cumulative effect of inflation over periods longer than this could erode the value of your savings. So if you’re going to be investing for five years or more, for most people it’s generally worth considering investing to protect yourself against the corroding power of inflation."}],"markDefs":[],"style":"normal"},{"_key":"5d1fd8f05194","_type":"block","children":[{"_key":"07a69a2d5c5a0","_type":"span","marks":[],"text":"The table below is a very rough guide of how your investing timeframes can inform the level of risk that’s best for you – your ‘risk tolerance’. Of course, this is ultimately a personal decision and there are no guarantees when it comes to investing; your money can go up in value as well as down, no matter how ‘risky’ your investments are advertised to be. But you may find the rules of thumb below a helpful guide for understanding a reasonable level of risk depending on your timeframe."}],"markDefs":[],"style":"normal"},{"_key":"f47fae813a52","_type":"block","children":[{"_key":"46cf9400f4ee","_type":"span","marks":[],"text":""},{"_key":"6c686393f934","_type":"mainAnchor","pageAnchor":{"_ref":"ef9f9b62-2865-4b44-a20b-074d00b916d2","_type":"reference"}},{"_key":"dbaed6fe75790","_type":"span","marks":[],"text":"Risk tolerance according to timeframe"}],"markDefs":[],"style":"h3"},{"_key":"5ea074d7b146","_type":"tableControl","rows":[{"_key":"58d6d663aa05","_type":"row","cells":[{"_key":"66259efebabc","_type":"cell","tableStyle":"DB","value":[{"_key":"a10009de14fc","_type":"block","children":[{"_key":"e4b0c40a50db","_type":"span","marks":["strong"],"text":"Your investing timeframe"}],"markDefs":[],"style":"normal"}]},{"_key":"2885dffb3d8e","_type":"cell","tableStyle":"DB","value":[{"_key":"6644784315d3","_type":"block","children":[{"_key":"3d11c73a48bf","_type":"span","marks":["strong"],"text":"5 years or less"}],"markDefs":[],"style":"normal"}]},{"_key":"8a51465c8a46","_type":"cell","tableStyle":"DB","value":[{"_key":"fbbcb801ac0a","_type":"block","children":[{"_key":"3074f6c97fd6","_type":"span","marks":["strong"],"text":"5-10 years"}],"markDefs":[],"style":"normal"}]},{"_key":"c7362725e67c","_type":"cell","tableStyle":"DB","value":[{"_key":"bb73b28d30f7","_type":"block","children":[{"_key":"fa27110624ff","_type":"span","marks":["strong"],"text":"10 years or more"}],"markDefs":[],"style":"normal"}]}]},{"_key":"fae2d542bb4d","_type":"row","cells":[{"_key":"1d85ab1d3098","_type":"cell","tableStyle":"W","value":[{"_key":"90fd8e2a0b0c","_type":"block","children":[{"_key":"b16a307dcc7e","_type":"span","marks":["strong"],"text":"How much risk is right for you?"}],"markDefs":[],"style":"normal"}]},{"_key":"7373cced3a67","_type":"cell","tableStyle":"W","value":[{"_key":"d6b19a73c6d4","_type":"block","children":[{"_key":"b211174962250","_type":"span","marks":[],"text":"Low or very low - cash may be best if you can get an interest rate in line with or above inflation"}],"markDefs":[],"style":"normal"}]},{"_key":"06b18995b956","_type":"cell","tableStyle":"W","value":[{"_key":"d9bff909ab3d","_type":"block","children":[{"_key":"8ec698e26aff0","_type":"span","marks":[],"text":"Medium"}],"markDefs":[],"style":"normal"}]},{"_key":"efbbf2cac0c8","_type":"cell","tableStyle":"W","value":[{"_key":"b0d87324ec8e","_type":"block","children":[{"_key":"c5b91cb0cab90","_type":"span","marks":[],"text":"High"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB"},{"_key":"10b738ec6d57","_type":"block","children":[{"_key":"71c2cefc6dfb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8cde6de03745","_type":"quickSurveyChooser","surveyChoose":{"_ref":"ebe4f739-6846-40e6-bcc9-3b582ccad896","_type":"reference"}},{"_key":"b000ddd2b784","_type":"block","children":[{"_key":"1eb6cde1fb3a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9d4766e2ccf8","_type":"block","children":[{"_key":"f103a958b7a3","_type":"span","marks":[],"text":""},{"_key":"6dd4299d16f9","_type":"mainAnchor","pageAnchor":{"_ref":"b0688bee-4247-4342-91e0-d2c1953682b6","_type":"reference"}},{"_key":"780bb962f545","_type":"span","marks":[],"text":"What is the best performing ready-made portfolio?"}],"markDefs":[],"style":"h3"},{"_key":"20c3ad432ff1","_type":"block","children":[{"_key":"41b5068de1950","_type":"span","marks":[],"text":"As there are so many ready-made portfolios on the market, and because they all contain different investments split in different ways, it can be hard to compare and determine if the one you’re investing in is actually performing well – or if, maybe, it’s not living up to your expectations. That’s where we come in. "}],"markDefs":[],"style":"normal"},{"_key":"f7653de76ffb","_type":"block","children":[{"_key":"f620afc9a94e","_type":"span","marks":[],"text":"Every quarter (three months), we crunch the numbers for you and analyse the ready-made investment market to identify the top performers, so you can see how well your investment is faring compared to similar portfolios. Click the link below to see the latest figures."}],"markDefs":[],"style":"normal"},{"_key":"e985f911e02a","_type":"block","children":[{"_key":"059f8d754d59","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"da9cd9e0788c","_type":"block","children":[{"_key":"b3d09dcf5451","_type":"span","marks":["strong"],"text":"Discover the top performing ready-made investments"}],"markDefs":[],"style":"normal"}],"_key":"2845f89d7830","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"9759ddeb-6a13-408b-9fb3-4b03280fa475","_type":"reference"},"text":"FIND OUT"},{"_key":"ed5da9f65afb","_type":"block","children":[{"_key":"d0aa18f39872","_type":"span","marks":[],"text":""},{"_key":"277ae555cb84","_type":"mainAnchor","pageAnchor":{"_ref":"34b1353a-e3e4-4949-a55d-dde0ba144f90","_type":"reference"}},{"_key":"0441b2b13bbb","_type":"span","marks":[],"text":"What are the key takeaways on ready-made portfolios"}],"markDefs":[],"style":"h2"},{"_key":"deeebad0ba26","_type":"block","children":[{"_key":"fdb4d928dfeb","_type":"span","marks":[],"text":"😎 A low-effort way to start investing"}],"markDefs":[],"style":"h3"},{"_key":"7acdc16f2faa","_type":"block","children":[{"_key":"10eef124c10b","_type":"span","marks":[],"text":"Ready-made portfolios take the faff out of investing. 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"}],"markDefs":[],"style":"normal"},{"_key":"0af14944bb5e","_type":"mainVideo","url":"https://vimeo.com/805897669"},{"_key":"a53249346dec","_type":"block","children":[{"_key":"a69c42f45f31","_type":"span","marks":[],"text":""},{"_key":"f37ccee07458","_type":"mainAnchor","pageAnchor":{"_ref":"d1046785-69e9-496b-ad81-606ac5827160","_type":"reference"}},{"_key":"00aa796a10f7","_type":"span","marks":[],"text":"Is Bestinvest safe?"}],"markDefs":[],"style":"h3"},{"_key":"651f14ed0a94","_type":"block","children":[{"_key":"6acd4b4ab16b0","_type":"span","marks":[],"text":"Cash savings with Bestinvest are covered by the UK government’s Financial Services Compensation Scheme (FSCS), which guarantees reimbursement up to the value of £85,000 for accounts held with Bestinvest. Investments by their very nature can and will go up or down in value and you can get back less than you invest."}],"markDefs":[],"style":"normal"},{"_key":"4eb13ad61710","_type":"block","children":[{"_key":"3f946ef3559e","_type":"span","marks":[],"text":""},{"_key":"b7cb2d3794d9","_type":"mainAnchor","pageAnchor":{"_ref":"565edaa6-ad24-4e23-9720-11938d4dd074","_type":"reference"}},{"_key":"c9350249a1dc","_type":"span","marks":[],"text":"Who owns Bestinvest?"}],"markDefs":[],"style":"h3"},{"_key":"54eaa2d69588","_type":"block","children":[{"_key":"a22d96c424540","_type":"span","marks":[],"text":"Bestinvest was originally founded in 1986 by John Spiers. Since 2022, its parent company has been Evelyn Partners – one of the largest wealth management firms in the UK."}],"markDefs":[],"style":"normal"},{"_key":"b23466e0a93a","_type":"block","children":[{"_key":"6d82e7f81d28","_type":"span","marks":[],"text":""},{"_key":"fadbdde966cc","_type":"mainAnchor","pageAnchor":{"_ref":"5263ceea-287d-4640-90e1-fd411724d7c7","_type":"reference"}},{"_key":"857d8efddd93","_type":"span","marks":[],"text":"What are Bestinvest’s ISA transfer costs?"}],"markDefs":[],"style":"h3"},{"_key":"9637fe650f50","_type":"block","children":[{"_key":"6d9b3af476d20","_type":"span","marks":[],"text":"Bestinvest doesn’t charge any fees to transfer funds into an ISA. 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"}],"markDefs":[],"style":"normal"},{"_key":"9acb1a0520ad","_type":"block","children":[{"_key":"1b19a24ae829","_type":"span","marks":[],"text":"Discover jargon-free definitions of the most common words and technical terms used in the world of investing."}],"markDefs":[],"style":"normal"}],"_key":"b07abd8b21bd","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_id":"5d7b7a10-93b8-4e8e-b898-eeb81f7bb976","_type":"information","_rev":"Q2jTe34nPChXwxoUavgl7P","_createdAt":"2023-11-13T14:54:54Z","_updatedAt":"2026-08-27T13:01:12Z","_system":{"base":{"id":"5d7b7a10-93b8-4e8e-b898-eeb81f7bb976","rev":"tog0wU1YHKUDgALpAlmmZ1"}},"authors":[{"_key":"37f62d1292a8","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"body":[{"_key":"71d249d9d01f","_type":"block","children":[{"_key":"c44a72677fe0","_type":"span","marks":["strong"],"text":"Boring Money's glossary has been created to help you better understand the world of finance and investing. Use it to break through the jargon and learn about common financial words and technical terms that relate to your money. We hope you find it helpful and easy to understand - whether you're a beginner investor or a budding Wolf of Wall Street."}],"markDefs":[],"style":"normal"},{"_key":"0622aa4999ff","_type":"block","children":[{"_key":"ac560989e19a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"626942a663a9","_type":"mainImage","alt":"An image of an open book and a set of Scrabble letters spelling out 'glossary'","asset":{"_ref":"image-e7bb499b6f0e9736ca8cd31bd4ea6864375b3101-1920x1080-png","_type":"reference"}},{"_key":"706b03ba0de6","_type":"block","children":[{"_key":"75b8a99586c0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"565c0c44e4be","_type":"block","children":[{"_key":"36a2528cf8c5","_type":"span","marks":[],"text":"How does it work?"}],"markDefs":[],"style":"h3"},{"_key":"9d83116f0520","_type":"block","children":[{"_key":"9ca4b8af735f","_type":"span","marks":[],"text":"Scroll down to begin learning about terms starting with the letter 'A' or use the menu to the left (below on mobile) to skip to the section you're looking for."}],"markDefs":[],"style":"normal"},{"_key":"4288ba86f457","_type":"anchorMenuMobile","title":"s"},{"_key":"f5045e0032ed","_type":"block","children":[{"_key":"6f2de6882cc7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"40848fa4f9f3","_type":"block","children":[{"_key":"8d84c97822a0","_type":"span","marks":[],"text":""},{"_key":"55f89ac5b1f8","_type":"mainAnchor","pageAnchor":{"_ref":"9f33a9fe-bf26-47e6-980a-92ef56b35048","_type":"reference"}},{"_key":"6d156f2bb4ec","_type":"span","marks":[],"text":""},{"_key":"f9cdf9c18a56","_type":"mainAnchor","pageAnchor":{"_ref":"7f2fc9e3-0c19-418f-8982-8172e658c6e6","_type":"reference"}},{"_key":"f459a572abb6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a676fa7fc813","_type":"dropdownWidget","items":[{"_key":"4231c712c52f","_type":"dropdownObject","text":[{"_key":"37f2f69c7e6d","_type":"block","children":[{"_key":"323f23660f73","_type":"span","marks":[],"text":"Accumulating (Acc)"}],"markDefs":[],"style":"h4"},{"_key":"1517798f4932","_type":"block","children":[{"_key":"ca4b7e32c4fb","_type":"span","marks":[],"text":"This is a descriptor used when a fund reinvests any dividends back into the fund itself and thus accumulates over time. In other words, you do not earn an income from an Acc fund, but it may suit 'growth' investors who want to prioritise the value of their assets growing over time."}],"markDefs":[],"style":"normal"},{"_key":"06fe8c08d34c","_type":"block","children":[{"_key":"c00d44a3a0a1","_type":"span","marks":[],"text":"Actively managed"}],"markDefs":[],"style":"h4"},{"_key":"cc645aa7f11c","_type":"block","children":[{"_key":"b5216f215395","_type":"span","marks":[],"text":"An actively managed investment is run by a professional or group of professionals, usually called portfolio managers or fund managers, who make decisions about what to buy to try and outperform the market for their customers. 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For example, the S&P 500 index is a common benchmark used to compare the performance of shares in large, American companies."}],"markDefs":[],"style":"normal"},{"_key":"13b261412d98","_type":"block","children":[{"_key":"0fb88dd461ff","_type":"span","marks":[],"text":"Beneficiary"}],"markDefs":[],"style":"h4"},{"_key":"039ad5b3883b","_type":"block","children":[{"_key":"0c1ab210da81","_type":"span","marks":[],"text":"A beneficiary is an individual who receives money or assets, usually as part of a deceased person's will, pension or life insurance policy. You can usually nominate your chosen beneficiary or beneficiaries, but unless specified otherwise, your spouse, civil partner and/or next of kin are typically treated as your beneficiaries by default."}],"markDefs":[],"style":"normal"},{"_key":"40e65eb9d02a","_type":"block","children":[{"_key":"49a303acc7ff","_type":"span","marks":[],"text":"Bid-ask spread"}],"markDefs":[],"style":"h4"},{"_key":"98c76c5c6e2a","_type":"block","children":[{"_key":"b02d71561f0e","_type":"span","marks":[],"text":"The bid-ask spread is the amount by which the ask price (the lowest price the seller is willing to sell at) exceeds the bid price (the highest price the buyer is willing to buy at). A low bid-ask spread is considered more desirable as it facilitates quicker and easier trades, whereas a high bid-ask spread may become an obstacle and make it more difficult to complete a trade."}],"markDefs":[],"style":"normal"},{"_key":"73b7314ce137","_type":"block","children":[{"_key":"1ffc1d9e80f2","_type":"span","marks":[],"text":"Bid price"}],"markDefs":[],"style":"h4"},{"_key":"be1f08a4cb5d","_type":"block","children":[{"_key":"2660920b7428","_type":"span","marks":[],"text":"The bid price is the highest price a buyer is willing to pay for an investment. It's often referred to in conjunction with the ask price or the bid-ask spread."}],"markDefs":[],"style":"normal"},{"_key":"ad47e8b69c37","_type":"block","children":[{"_key":"d6642431907f","_type":"span","marks":[],"text":"Bond"}],"markDefs":[],"style":"h4"},{"_key":"1086f1593163","_type":"block","children":[{"_key":"36c41fda7d6c","_type":"span","marks":[],"text":"A bond is a type of asset that represents a loan. 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See our full guide "},{"_key":"23f5530af69b","_type":"span","marks":["5333e4dc7c81"],"text":"here"},{"_key":"b177ec33e172","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"5333e4dc7c81","_type":"internalLinkPick","reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}}],"style":"normal"},{"_key":"e131cf527dc2","_type":"block","children":[{"_key":"568c655acceb","_type":"span","marks":[],"text":"Commodity"}],"markDefs":[],"style":"h4"},{"_key":"ffc841627173","_type":"block","children":[{"_key":"0e9764833cd0","_type":"span","marks":[],"text":"A commodity is a physical asset - usually a raw material or resource - such as wheat, gold or oil. \"Hard\" commodities refer to assets which must be mined or extracted, like gold or oil. \"Soft\" commodities are farmed or grown, such as wheat or coffee."}],"markDefs":[],"style":"normal"},{"_key":"925f76196a02","_type":"block","children":[{"_key":"df1b286ea923","_type":"span","marks":[],"text":"Compound interest"}],"markDefs":[],"style":"h4"},{"_key":"172a4d9f7b98","_type":"block","children":[{"_key":"044f75d18415","_type":"span","marks":[],"text":"Compound interest is the interest earned on savings or investments, including any earned previously. 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It's very competitively priced and offers a curated selection of funds and shares, which will avoid brainfry for those just finding their feet. Good option for a Lifetime ISA too if you have timeframes of 5 years + to build your pot. Just make sure you remember to diversify, as their nice fund range, and descriptions might make it too easy to pick sexy-sounding investments and put too many eggs in one basket."}],"markDefs":[],"style":"normal"}]},{"_key":"debcac2e2f6d","_type":"block","children":[{"_key":"7206f2fd2396","_type":"span","marks":["em"],"text":"*This is the view of investment expert Holly Mackay based on her first-hand customer experience as a test account holder. This does not constitute regulated advice. 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Dodl describes itself as an 'easy-to-use, no-nonsense investment app', focused on a younger audience starting out on their investment journey. It aims to cut out all the jargon and fuss to make investing a simple, scare-free experience."}],"markDefs":[],"style":"normal"},{"_key":"57916c18c368","_type":"textboxWidget","text":[{"_key":"ef926f1fec4c","_type":"block","children":[{"_key":"24133ace5d72","_type":"span","marks":["strong"],"text":"AJ Bell Dodl won the following at Boring Money’s Best Buy awards in 2025:"}],"markDefs":[],"style":"normal"},{"_key":"3bba01e97a26","_type":"block","children":[{"_key":"35c2f18c9bc7","_type":"span","marks":[],"text":"🏆 "},{"_key":"085fd69f2ffb","_type":"span","marks":["f237c122f30e"],"text":"Best Buy LISA"}],"markDefs":[{"_key":"f237c122f30e","_type":"internalLinkPick","reference":{"_ref":"7751737d-084c-4a55-9046-e35ea8792d3c","_type":"reference"}}],"style":"normal"},{"_key":"2d0479e1689f","_type":"block","children":[{"_key":"85459a83b20c","_type":"span","marks":[],"text":"🏆 "},{"_key":"5dd63f7a10d3","_type":"span","marks":["be3014047666"],"text":"Best for Low-Cost Pension>50k"}],"markDefs":[{"_key":"be3014047666","_type":"internalLinkPick","reference":{"_ref":"4c448256-d916-44ed-991f-5a9d5c44c109","_type":"reference"}}],"style":"normal"}]},{"_key":"3cb2025c86a7","_type":"block","children":[{"_key":"5db1b9c4f2fd","_type":"span","marks":[],"text":""},{"_key":"35aeb376b9dd","_type":"mainAnchor","pageAnchor":{"_ref":"cf6f26cf-1a25-40c6-b9bc-7eea852a160b","_type":"reference"}},{"_key":"8519c27d5774","_type":"span","marks":[],"text":"Who is AJ Bell Dodl good for?"}],"markDefs":[],"style":"h2"},{"_key":"ea561091fd9f","_type":"block","children":[{"_key":"67cac252afe10","_type":"span","marks":[],"text":"AJ Bell Dodl is a good choice for beginners with smaller amounts to invest who want a good app, low charges, and not too much choice so there’s less chance of getting overwhelmed. More experienced investors may find it a bit bare with limited choice and analytical tools. It’s also app-only, so not suited to those who prefer a desktop interface."}],"markDefs":[],"style":"normal"},{"_key":"0b2e11aabaf5","_type":"block","children":[{"_key":"7421fd13690b","_type":"span","marks":[],"text":""},{"_key":"cfd4b31383e2","_type":"mainAnchor","pageAnchor":{"_ref":"68a2740c-2fdd-48f2-a439-70e9257fa1dc","_type":"reference"}},{"_key":"d209a89f9671","_type":"span","marks":[],"text":"Pros and cons"}],"markDefs":[],"style":"h2"},{"_key":"a0a923ab245b","_type":"prosConsWidget","cons":["Limited choice won't be enough for some ","App is decent but won't deliver the full content and support some may like ","Mobile-only won't be for everyone "],"consTitle":"Cons","pros":["Lovely choice for beginners ","No fees to trade ","Relatively simple to use "],"prosTitle":"Pros"},{"_key":"90e6b50af7d0","_type":"block","children":[{"_key":"3b5a2f1abfb7","_type":"span","marks":[],"text":""},{"_key":"23bcf8cf0693","_type":"mainAnchor","pageAnchor":{"_ref":"9e51cdf7-15a0-4f71-a312-6ed8618ed389","_type":"reference"}},{"_key":"1af752f5e423","_type":"span","marks":[],"text":"Investments"}],"markDefs":[],"style":"h2"},{"_key":"85e39557968c","_type":"block","children":[{"_key":"011a7b19d41b0","_type":"span","marks":[],"text":"Dodl users can invest in UK and US shares and AJ Bell funds. You can also get access to more funds and ETFs through a range of “themed” investment options."}],"markDefs":[],"style":"normal"},{"_key":"35812a97cb3a","_type":"block","children":[{"_key":"72ef98af61d50","_type":"span","marks":[],"text":"Themed investments on Dodl are funds and ETFs that invest in a wide range of themes, such as regions (UK, US, Europe) and sectors (technology, financials, healthcare), as well as bonds and responsible investments."}],"markDefs":[],"style":"normal"},{"_key":"8dd5b8b84787","_type":"block","children":[{"_key":"9ee2ca20945d0","_type":"span","marks":[],"text":"Dodl users can also select from three of Vanguard’s LifeStrategy ready-made funds (40%, 60%, and 80%) with the ‘All-In-One' theme."}],"markDefs":[],"style":"normal"},{"_key":"4014f3ca6aab","_type":"textboxWidget","text":[{"_key":"2f1b3d533b8e","_type":"block","children":[{"_key":"d87589361f260","_type":"span","marks":[],"text":"Dodl users can invest in a range of 8 AJ Bell funds, including a Responsible Growth fund for those interested in ESG investing, as well as a Pension Builder fund specifically designed for investors saving towards their retirement. The costs for these range from 0.31% for the Cautious fund up to 0.45% for the Responsible Growth fund."}],"markDefs":[],"style":"normal"}],"title":"Dodl AJ Bell fund options  "},{"_key":"daffc0977181","_type":"block","children":[{"_key":"af76ca02d0f8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d7dd65a6d24d","_type":"textboxWidget","text":[{"_key":"a55c3a7c5e80","_type":"block","children":[{"_key":"8020a643f5480","_type":"span","marks":[],"text":"Dodl offers nine regional themes. These come with a range of charges, starting from 0.05% for Across The Pond - which invests in some of the biggest US companies - to 0.30% for the Global Shariah fund – which invests in a range of companies via the Shariah-approved iShares World Islamic ETF."}],"markDefs":[],"style":"normal"}],"title":"Regional theme options"},{"_key":"369462779542","_type":"block","children":[{"_key":"4fd4ad1c83d9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"321832544087","_type":"textboxWidget","text":[{"_key":"80dafa27705a","_type":"block","children":[{"_key":"3dd4755f69b30","_type":"span","marks":[],"text":"Dodl offers eight sector themes. These have ongoing charges starting from 0.12% for Going For Gold - which invests in Invest in the gold market with the iShares Physical Gold ETC - to 0.40% for the Robo Revolution - which invests in the biggest robotics companies from around the world with the iShares Automation and Robotics ETF."}],"markDefs":[],"style":"normal"}],"title":"Sector theme options"},{"_key":"d09ab5d8159b","_type":"block","children":[{"_key":"6e1471befa43","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e9b0b8aadec1","_type":"textboxWidget","text":[{"_key":"e4d9aa62de70","_type":"block","children":[{"_key":"4b9d3233841d0","_type":"span","marks":[],"text":"Dodl offers five bond themes. These have ongoing charges starting from 0.10% for The Government's IOU - which invests in the iShares GiltTrak index fund - to 0.29% for Lending The Way, which invests in the State Street Global High Yield Bond index fund."}],"markDefs":[],"style":"normal"}],"title":"Bond theme options"},{"_key":"3b198db48a37","_type":"block","children":[{"_key":"2701bf9c2179","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"bee733cf37c8","_type":"textboxWidget","text":[{"_key":"8840939adfc9","_type":"block","children":[{"_key":"28dc7a7bae0c0","_type":"span","marks":[],"text":"Dodl offers two responsible themes for investors who value ESG consideration when selecting investments for their portfolio. 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Any amount above this threshold is unlikely to be covered. Investments with Dodl, on the other hand, are not guaranteed - by their nature, investments can and will go up and down in value."}],"markDefs":[],"style":"normal"},{"_key":"0c24c329b3fa","_type":"block","children":[{"_key":"e5f006836b9f","_type":"span","marks":[],"text":""},{"_key":"c321036dbca4","_type":"mainAnchor","pageAnchor":{"_ref":"565edaa6-ad24-4e23-9720-11938d4dd074","_type":"reference"}},{"_key":"95726bc8e26d","_type":"span","marks":["strong"],"text":"Who owns Dodl?"}],"markDefs":[],"style":"h3"},{"_key":"1eb2b7fdd7ae","_type":"block","children":[{"_key":"fd6aed815d2f0","_type":"span","marks":[],"text":"its own investment platform. It's one of the UK’s largest in the UK with almost half a million customers and over £81 billion in assets. 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Use it to break through the jargon and learn about common financial words and technical terms that relate to your money. 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For example, the S&P 500 index is a common benchmark used to compare the performance of shares in large, American companies."}],"markDefs":[],"style":"normal"},{"_key":"13b261412d98","_type":"block","children":[{"_key":"0fb88dd461ff","_type":"span","marks":[],"text":"Beneficiary"}],"markDefs":[],"style":"h4"},{"_key":"039ad5b3883b","_type":"block","children":[{"_key":"0c1ab210da81","_type":"span","marks":[],"text":"A beneficiary is an individual who receives money or assets, usually as part of a deceased person's will, pension or life insurance policy. You can usually nominate your chosen beneficiary or beneficiaries, but unless specified otherwise, your spouse, civil partner and/or next of kin are typically treated as your beneficiaries by default."}],"markDefs":[],"style":"normal"},{"_key":"40e65eb9d02a","_type":"block","children":[{"_key":"49a303acc7ff","_type":"span","marks":[],"text":"Bid-ask spread"}],"markDefs":[],"style":"h4"},{"_key":"98c76c5c6e2a","_type":"block","children":[{"_key":"b02d71561f0e","_type":"span","marks":[],"text":"The bid-ask spread is the amount by which the ask price (the lowest price the seller is willing to sell at) exceeds the bid price (the highest price the buyer is willing to buy at). A low bid-ask spread is considered more desirable as it facilitates quicker and easier trades, whereas a high bid-ask spread may become an obstacle and make it more difficult to complete a trade."}],"markDefs":[],"style":"normal"},{"_key":"73b7314ce137","_type":"block","children":[{"_key":"1ffc1d9e80f2","_type":"span","marks":[],"text":"Bid price"}],"markDefs":[],"style":"h4"},{"_key":"be1f08a4cb5d","_type":"block","children":[{"_key":"2660920b7428","_type":"span","marks":[],"text":"The bid price is the highest price a buyer is willing to pay for an investment. It's often referred to in conjunction with the ask price or the bid-ask spread."}],"markDefs":[],"style":"normal"},{"_key":"ad47e8b69c37","_type":"block","children":[{"_key":"d6642431907f","_type":"span","marks":[],"text":"Bond"}],"markDefs":[],"style":"h4"},{"_key":"1086f1593163","_type":"block","children":[{"_key":"36c41fda7d6c","_type":"span","marks":[],"text":"A bond is a type of asset that represents a loan. 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Morgan Personal Investing is authorised and regulated by the Financial Conduct Authority (FCA). If a fund fails due to fraud or mismanagement, you may be eligible for compensation from the "},{"_key":"2136905d0d73","_type":"span","marks":["c923cbed9db9"],"text":"Financial Services Compensation Scheme (FSCS)"},{"_key":"ccaf91632031","_type":"span","marks":[],"text":". The FSCS protection is capped at £85,000 per person, per fund manager (not per individual fund). 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Morgan Personal Investing offers globally diversified portfolios which are tailored to your individual risk profile and investment goals."}],"markDefs":[],"style":"normal"},{"_key":"9a2ecbab333d","_type":"block","children":[{"_key":"3d51b5cdc33b0","_type":"span","marks":[],"text":"The portfolios are invested in exchange traded funds (ETFs), which are like baskets of dozens – and sometimes even hundreds – of investments rolled into one. So you don’t have to go and buy all those individual investments yourself! "}],"markDefs":[],"style":"normal"},{"_key":"a442b5228fe7","_type":"block","children":[{"_key":"de1da4b5d8000","_type":"span","marks":[],"text":"The ETFs which underpin J.P. 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In other words, you do not earn an income from an Acc fund, but it may suit 'growth' investors who want to prioritise the value of their assets growing over time."}],"markDefs":[],"style":"normal"},{"_key":"06fe8c08d34c","_type":"block","children":[{"_key":"c00d44a3a0a1","_type":"span","marks":[],"text":"Actively managed"}],"markDefs":[],"style":"h4"},{"_key":"cc645aa7f11c","_type":"block","children":[{"_key":"b5216f215395","_type":"span","marks":[],"text":"An actively managed investment is run by a professional or group of professionals, usually called portfolio managers or fund managers, who make decisions about what to buy to try and outperform the market for their customers. 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A poor credit score can mean you are refused credit, such as a loan, which in turn can drag your score down even further. You can read more about credit scores in our full guide "},{"_key":"5b94a6a2fc04","_type":"span","marks":["b92a08e0e54d"],"text":"here"},{"_key":"380456b52813","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b92a08e0e54d","_type":"internalLinkPick","reference":{"_ref":"c35a2e48-fee0-4432-9a04-c3843110c519","_type":"reference"}}],"style":"normal"},{"_key":"eab5c250ee9a","_type":"block","children":[{"_key":"feecf9f1c857","_type":"span","marks":[],"text":"Cryptocurrency"}],"markDefs":[],"style":"h4"},{"_key":"9cc75c1e390c","_type":"block","children":[{"_key":"5f051b150e01","_type":"span","marks":[],"text":"Cryptocurrency or just \"crypto\" is a type of digital or virtual currency that uses cryptography for secure and decentralised (not managed by a central bank or government) transactions. Cryptocurrencies use a technology called blockchain to record and verify transactions. They can be used to buy goods and services online, and their value can fluctuate, similar to traditional currencies. Examples of cryptocurrencies include Bitcoin and Ethereum. 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This is a technique used by experienced investors and involves holding investments for as little as seconds before selling them on again."}],"markDefs":[],"style":"normal"},{"_key":"ad51307e03f7","_type":"block","children":[{"_key":"66009eb60584","_type":"span","marks":[],"text":"Deflation"}],"markDefs":[],"style":"h4"},{"_key":"eaf1f5e0a1aa","_type":"block","children":[{"_key":"33a0aa1e3191","_type":"span","marks":[],"text":"Deflation is the opposite of inflation. 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Derivatives can be used for various purposes, such as hedging against risks or speculating on price movements."}],"markDefs":[],"style":"normal"},{"_key":"a394c84d991b","_type":"block","children":[{"_key":"b6049561925e","_type":"span","marks":[],"text":"Distributing (Dist)"}],"markDefs":[],"style":"h4"},{"_key":"d92275473edc","_type":"block","children":[{"_key":"b91003a2ff33","_type":"span","marks":[],"text":"This is a descriptor used when a fund pays out a dividend to its investors. It is the opposite of an Accumulation or 'Acc' fund (see definition under 'A')."}],"markDefs":[],"style":"normal"},{"_key":"539ee7d465b2","_type":"block","children":[{"_key":"65bd7ce14307","_type":"span","marks":[],"text":"Diversification"}],"markDefs":[],"style":"h4"},{"_key":"329208177bd2","_type":"block","children":[{"_key":"3b6a386c064f","_type":"span","marks":[],"text":"Diversification is the process of spreading your investment portfolio across different asset classes, such as partially in shares and partially in bonds, in order to reduce risk. In other words, you're not putting all your eggs in one basket."}],"markDefs":[],"style":"normal"},{"_key":"c96483c20943","_type":"block","children":[{"_key":"6a15f3d9e40c","_type":"span","marks":[],"text":"Dividends"}],"markDefs":[],"style":"h4"},{"_key":"81ec74a9bae8","_type":"block","children":[{"_key":"0ef8678d6d8c","_type":"span","marks":[],"text":"A dividend is like a cash bonus you get in return for investing in something. 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This means that Moneybox customers’ money is kept separate from its own finances. All Moneybox savings products are deposited by Moneybox into third-party banks on customers’ behalf."}],"markDefs":[],"style":"normal"},{"_key":"386b991ff4d0","_type":"block","children":[{"_key":"bf35455222480","_type":"span","marks":[],"text":"These banks are covered by the FSCS, so in the event that they fail, you are eligible to claim up to £85,000 per bank for any financial losses you might have incurred. Moneybox states that it would make the claim to the FSCS on your behalf automatically and it could take up to three months to settle."}],"markDefs":[],"style":"normal"},{"_key":"f5d433fc91f0","_type":"block","children":[{"_key":"a05bace8ca89","_type":"span","marks":[],"text":"Moneybox uses a range of banks which can and do change over time. 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Moneybox "},{"_key":"1cde0717fe8a","_type":"span","marks":["fc70b4ac143f"],"text":"explains more"},{"_key":"5b759f3558e6","_type":"span","marks":[],"text":" about the different options for accessing your pension pot on their website."}],"markDefs":[{"_key":"fc70b4ac143f","_type":"internalLinkPick","reference":{"_ref":"2c87a5c0-c144-4e5a-a73d-52dc50b1a3c7","_type":"reference"}}],"style":"normal"},{"_key":"3ce3573ddb87","_type":"block","children":[{"_key":"87dd1785b0ee","_type":"span","marks":[],"text":"Moneybox LISA"}],"markDefs":[],"style":"h4"},{"_key":"bbe9a6cf0a91","_type":"block","children":[{"_key":"ef0db886b3ad","_type":"span","marks":[],"text":"You can withdraw funds from a Moneybox LISA but you must do this either to purchase your first home or for your retirement savings. 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"}],"markDefs":[],"style":"normal"},{"_key":"9acb1a0520ad","_type":"block","children":[{"_key":"1b19a24ae829","_type":"span","marks":[],"text":"Discover jargon-free definitions of the most common words and technical terms used in the world of investing."}],"markDefs":[],"style":"normal"}],"_key":"8e5e718066dc","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_id":"5d7b7a10-93b8-4e8e-b898-eeb81f7bb976","_type":"information","_rev":"Q2jTe34nPChXwxoUavgl7P","_createdAt":"2023-11-13T14:54:54Z","_updatedAt":"2026-08-27T13:01:12Z","_system":{"base":{"id":"5d7b7a10-93b8-4e8e-b898-eeb81f7bb976","rev":"tog0wU1YHKUDgALpAlmmZ1"}},"authors":[{"_key":"37f62d1292a8","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"body":[{"_key":"71d249d9d01f","_type":"block","children":[{"_key":"c44a72677fe0","_type":"span","marks":["strong"],"text":"Boring Money's glossary has been created to help you better understand the world of finance and investing. Use it to break through the jargon and learn about common financial words and technical terms that relate to your money. We hope you find it helpful and easy to understand - whether you're a beginner investor or a budding Wolf of Wall Street."}],"markDefs":[],"style":"normal"},{"_key":"0622aa4999ff","_type":"block","children":[{"_key":"ac560989e19a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"626942a663a9","_type":"mainImage","alt":"An image of an open book and a set of Scrabble letters spelling out 'glossary'","asset":{"_ref":"image-e7bb499b6f0e9736ca8cd31bd4ea6864375b3101-1920x1080-png","_type":"reference"}},{"_key":"706b03ba0de6","_type":"block","children":[{"_key":"75b8a99586c0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"565c0c44e4be","_type":"block","children":[{"_key":"36a2528cf8c5","_type":"span","marks":[],"text":"How does it work?"}],"markDefs":[],"style":"h3"},{"_key":"9d83116f0520","_type":"block","children":[{"_key":"9ca4b8af735f","_type":"span","marks":[],"text":"Scroll down to begin learning about terms starting with the letter 'A' or use the menu to the left (below on mobile) to skip to the section you're looking for."}],"markDefs":[],"style":"normal"},{"_key":"4288ba86f457","_type":"anchorMenuMobile","title":"s"},{"_key":"f5045e0032ed","_type":"block","children":[{"_key":"6f2de6882cc7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"40848fa4f9f3","_type":"block","children":[{"_key":"8d84c97822a0","_type":"span","marks":[],"text":""},{"_key":"55f89ac5b1f8","_type":"mainAnchor","pageAnchor":{"_ref":"9f33a9fe-bf26-47e6-980a-92ef56b35048","_type":"reference"}},{"_key":"6d156f2bb4ec","_type":"span","marks":[],"text":""},{"_key":"f9cdf9c18a56","_type":"mainAnchor","pageAnchor":{"_ref":"7f2fc9e3-0c19-418f-8982-8172e658c6e6","_type":"reference"}},{"_key":"f459a572abb6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a676fa7fc813","_type":"dropdownWidget","items":[{"_key":"4231c712c52f","_type":"dropdownObject","text":[{"_key":"37f2f69c7e6d","_type":"block","children":[{"_key":"323f23660f73","_type":"span","marks":[],"text":"Accumulating (Acc)"}],"markDefs":[],"style":"h4"},{"_key":"1517798f4932","_type":"block","children":[{"_key":"ca4b7e32c4fb","_type":"span","marks":[],"text":"This is a descriptor used when a fund reinvests any dividends back into the fund itself and thus accumulates over time. In other words, you do not earn an income from an Acc fund, but it may suit 'growth' investors who want to prioritise the value of their assets growing over time."}],"markDefs":[],"style":"normal"},{"_key":"06fe8c08d34c","_type":"block","children":[{"_key":"c00d44a3a0a1","_type":"span","marks":[],"text":"Actively managed"}],"markDefs":[],"style":"h4"},{"_key":"cc645aa7f11c","_type":"block","children":[{"_key":"b5216f215395","_type":"span","marks":[],"text":"An actively managed investment is run by a professional or group of professionals, usually called portfolio managers or fund managers, who make decisions about what to buy to try and outperform the market for their customers. 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A positive alpha means you're beating expectations, while a negative alpha means you're falling short."}],"markDefs":[],"style":"normal"},{"_key":"47ceb3d0e5b3","_type":"block","children":[{"_key":"be9cea48e946","_type":"span","marks":[],"text":"Annuity"}],"markDefs":[],"style":"h4"},{"_key":"e65b4d55194e","_type":"block","children":[{"_key":"ddbe25414f44","_type":"span","marks":[],"text":"An annuity is a product you can buy which pays out a guaranteed, regular stream of income. They are most often purchased by retirees to convert their retirement savings into annual income packages. 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A poor credit score can mean you are refused credit, such as a loan, which in turn can drag your score down even further. You can read more about credit scores in our full guide "},{"_key":"5b94a6a2fc04","_type":"span","marks":["b92a08e0e54d"],"text":"here"},{"_key":"380456b52813","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b92a08e0e54d","_type":"internalLinkPick","reference":{"_ref":"c35a2e48-fee0-4432-9a04-c3843110c519","_type":"reference"}}],"style":"normal"},{"_key":"eab5c250ee9a","_type":"block","children":[{"_key":"feecf9f1c857","_type":"span","marks":[],"text":"Cryptocurrency"}],"markDefs":[],"style":"h4"},{"_key":"9cc75c1e390c","_type":"block","children":[{"_key":"5f051b150e01","_type":"span","marks":[],"text":"Cryptocurrency or just \"crypto\" is a type of digital or virtual currency that uses cryptography for secure and decentralised (not managed by a central bank or government) transactions. 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ESG is increasingly popular as a method of assessing the environmental and social impact of investments, particularly for investors looking for \"green\" or \"impact\" investments - essentially, investments that claim to do some good for the world."}],"markDefs":[],"style":"normal"},{"_key":"b4065cf8967d","_type":"block","children":[{"_key":"ab1394a07929","_type":"span","marks":[],"text":"Exchange-Traded Fund (ETF)"}],"markDefs":[],"style":"h4"},{"_key":"c181cc772c9c","_type":"block","children":[{"_key":"ca38451ec42a","_type":"span","marks":[],"text":"An Exchange Traded Fund or ETF is a type of fund made up of a number of assets which can be bought and sold on the stock market, in the same way as you would with individual shares. ETFs can invest in lots of different asset classes. Think of them like an investment \"playlist\" - an easy way to access a collection of things. 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Clean interface and easy to follow information make it a painless experience, which Monzo customers will have come to expect. From an investment perspective, it's underpinned by global giants BlackRock - reassuringly big! Nothing flashy or exciting for traders or those who want to pick and choose, but if you're after something to get going with an investment ISA without frying your brain this is a pretty good choice."}],"markDefs":[],"style":"normal"}]},{"_key":"b69a0eda5d46","_type":"block","children":[{"_key":"a843176b66f2","_type":"span","marks":["em"],"text":"*This is the view of investment expert Holly Mackay based on her first-hand customer experience as a test account holder. This does not constitute regulated advice. 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It's currently based in London and one of its claims to fame is its 2016 crowdfund campaign, which became the “quickest in history” when it raised £1 million in 96 seconds. Monzo currently boasts more than 10 million customers."}],"markDefs":[],"style":"normal"},{"_key":"0cb2b07d107c","_type":"block","children":[{"_key":"a02374e7a895","_type":"span","marks":[],"text":""},{"_key":"51ffce65b522","_type":"mainAnchor","pageAnchor":{"_ref":"cf6f26cf-1a25-40c6-b9bc-7eea852a160b","_type":"reference"}},{"_key":"0fbb6cbff36d","_type":"span","marks":[],"text":"Who is Monzo good for?"}],"markDefs":[],"style":"h2"},{"_key":"2eaf855c3aa0","_type":"block","children":[{"_key":"09943b232f860","_type":"span","marks":[],"text":"So now you know more about Monzo. Is it the right home for your money? We think it's a decent option if you're a beginner investor, someone who doesn't have a lot of time on their hands, or appreciates a little ESG consideration in their investments. 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About 80% of money in bonds and 20% in shares."}],"markDefs":[],"style":"normal"}]}]},{"_key":"8ec38eb70713","_type":"row","cells":[{"_key":"aade7490b306","_type":"cell","tableStyle":"W","value":[{"_key":"3c829af2bf6a","_type":"block","children":[{"_key":"d1d18f6d8b4f","_type":"span","marks":[],"text":"Balanced"}],"markDefs":[],"style":"normal"}]},{"_key":"c53fbd5fddcc","_type":"cell","tableStyle":"W","value":[{"_key":"ee3a999803c5","_type":"block","children":[{"_key":"5d1463980a450","_type":"span","marks":[],"text":"Medium risk and reward. 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Customers currently have a limited range of investment options, based on BlackRock's target date retirement funds. The total cost of the service is 0.63%, which equates to £6.30 a year for every £1,000 invested. Subscribers to Monzo’s paid plans receive a 0.10% discount."}],"markDefs":[],"style":"normal"},{"_key":"2591c85cb4b9","_type":"block","children":[{"_key":"1e223ca4aa0d0","_type":"span","marks":[],"text":"Monzo has teamed up with pension-tracing experts Raindrop. They help customers find lost pensions and move them to Monzo’s app."}],"markDefs":[],"style":"normal"},{"_key":"ddcb46b1b006","_type":"block","children":[{"_key":"c4411f7351e8","_type":"span","marks":[],"text":"This process is called consolidation. It is helpful because it makes managing your SIPP easier. 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A poor credit score can mean you are refused credit, such as a loan, which in turn can drag your score down even further. You can read more about credit scores in our full guide "},{"_key":"5b94a6a2fc04","_type":"span","marks":["b92a08e0e54d"],"text":"here"},{"_key":"380456b52813","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b92a08e0e54d","_type":"internalLinkPick","reference":{"_ref":"c35a2e48-fee0-4432-9a04-c3843110c519","_type":"reference"}}],"style":"normal"},{"_key":"eab5c250ee9a","_type":"block","children":[{"_key":"feecf9f1c857","_type":"span","marks":[],"text":"Cryptocurrency"}],"markDefs":[],"style":"h4"},{"_key":"9cc75c1e390c","_type":"block","children":[{"_key":"5f051b150e01","_type":"span","marks":[],"text":"Cryptocurrency or just \"crypto\" is a type of digital or virtual currency that uses cryptography for secure and decentralised (not managed by a central bank or government) transactions. Cryptocurrencies use a technology called blockchain to record and verify transactions. They can be used to buy goods and services online, and their value can fluctuate, similar to traditional currencies. Examples of cryptocurrencies include Bitcoin and Ethereum. 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This is a technique used by experienced investors and involves holding investments for as little as seconds before selling them on again."}],"markDefs":[],"style":"normal"},{"_key":"ad51307e03f7","_type":"block","children":[{"_key":"66009eb60584","_type":"span","marks":[],"text":"Deflation"}],"markDefs":[],"style":"h4"},{"_key":"eaf1f5e0a1aa","_type":"block","children":[{"_key":"33a0aa1e3191","_type":"span","marks":[],"text":"Deflation is the opposite of inflation. 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Derivatives can be used for various purposes, such as hedging against risks or speculating on price movements."}],"markDefs":[],"style":"normal"},{"_key":"a394c84d991b","_type":"block","children":[{"_key":"b6049561925e","_type":"span","marks":[],"text":"Distributing (Dist)"}],"markDefs":[],"style":"h4"},{"_key":"d92275473edc","_type":"block","children":[{"_key":"b91003a2ff33","_type":"span","marks":[],"text":"This is a descriptor used when a fund pays out a dividend to its investors. It is the opposite of an Accumulation or 'Acc' fund (see definition under 'A')."}],"markDefs":[],"style":"normal"},{"_key":"539ee7d465b2","_type":"block","children":[{"_key":"65bd7ce14307","_type":"span","marks":[],"text":"Diversification"}],"markDefs":[],"style":"h4"},{"_key":"329208177bd2","_type":"block","children":[{"_key":"3b6a386c064f","_type":"span","marks":[],"text":"Diversification is the process of spreading your investment portfolio across different asset classes, such as partially in shares and partially in bonds, in order to reduce risk. In other words, you're not putting all your eggs in one basket."}],"markDefs":[],"style":"normal"},{"_key":"c96483c20943","_type":"block","children":[{"_key":"6a15f3d9e40c","_type":"span","marks":[],"text":"Dividends"}],"markDefs":[],"style":"h4"},{"_key":"81ec74a9bae8","_type":"block","children":[{"_key":"0ef8678d6d8c","_type":"span","marks":[],"text":"A dividend is like a cash bonus you get in return for investing in something. 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Romina set up PensionBee after facing great difficulty when trying to move an old workplace pension and decided to improve the system by getting rid of “archaic systems, excessive fees and complex paperwork”. She maintains the largest share of ownership in PensionBee with over 32%, while Parsons owns around 5%. 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Once you reach 55 years of age, you are legally permitted to start making withdrawals from your personal or workplace pensions if you so choose (this will increase to 57 in 2028)."}],"markDefs":[],"style":"normal"},{"_key":"9f9f8c3f3c74","_type":"block","children":[{"_key":"6bccd50c487e","_type":"span","marks":[],"text":"At this point, PensionBee offers various ways for you to take your pension. If you opt to draw down from your pension, PensionBee offers two ways to do this. You can take one-off withdrawals when you need, or schedule Automatic withdrawals and get payments of the same amount paid into your bank account on the same day every month. You can always change the amount and date or cancel and go back to single withdrawals. 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For example, the S&P 500 index is a common benchmark used to compare the performance of shares in large, American companies."}],"markDefs":[],"style":"normal"},{"_key":"13b261412d98","_type":"block","children":[{"_key":"0fb88dd461ff","_type":"span","marks":[],"text":"Beneficiary"}],"markDefs":[],"style":"h4"},{"_key":"039ad5b3883b","_type":"block","children":[{"_key":"0c1ab210da81","_type":"span","marks":[],"text":"A beneficiary is an individual who receives money or assets, usually as part of a deceased person's will, pension or life insurance policy. You can usually nominate your chosen beneficiary or beneficiaries, but unless specified otherwise, your spouse, civil partner and/or next of kin are typically treated as your beneficiaries by default."}],"markDefs":[],"style":"normal"},{"_key":"40e65eb9d02a","_type":"block","children":[{"_key":"49a303acc7ff","_type":"span","marks":[],"text":"Bid-ask spread"}],"markDefs":[],"style":"h4"},{"_key":"98c76c5c6e2a","_type":"block","children":[{"_key":"b02d71561f0e","_type":"span","marks":[],"text":"The bid-ask spread is the amount by which the ask price (the lowest price the seller is willing to sell at) exceeds the bid price (the highest price the buyer is willing to buy at). A low bid-ask spread is considered more desirable as it facilitates quicker and easier trades, whereas a high bid-ask spread may become an obstacle and make it more difficult to complete a trade."}],"markDefs":[],"style":"normal"},{"_key":"73b7314ce137","_type":"block","children":[{"_key":"1ffc1d9e80f2","_type":"span","marks":[],"text":"Bid price"}],"markDefs":[],"style":"h4"},{"_key":"be1f08a4cb5d","_type":"block","children":[{"_key":"2660920b7428","_type":"span","marks":[],"text":"The bid price is the highest price a buyer is willing to pay for an investment. It's often referred to in conjunction with the ask price or the bid-ask spread."}],"markDefs":[],"style":"normal"},{"_key":"ad47e8b69c37","_type":"block","children":[{"_key":"d6642431907f","_type":"span","marks":[],"text":"Bond"}],"markDefs":[],"style":"h4"},{"_key":"1086f1593163","_type":"block","children":[{"_key":"36c41fda7d6c","_type":"span","marks":[],"text":"A bond is a type of asset that represents a loan. 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See our full guide "},{"_key":"23f5530af69b","_type":"span","marks":["5333e4dc7c81"],"text":"here"},{"_key":"b177ec33e172","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"5333e4dc7c81","_type":"internalLinkPick","reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}}],"style":"normal"},{"_key":"e131cf527dc2","_type":"block","children":[{"_key":"568c655acceb","_type":"span","marks":[],"text":"Commodity"}],"markDefs":[],"style":"h4"},{"_key":"ffc841627173","_type":"block","children":[{"_key":"0e9764833cd0","_type":"span","marks":[],"text":"A commodity is a physical asset - usually a raw material or resource - such as wheat, gold or oil. \"Hard\" commodities refer to assets which must be mined or extracted, like gold or oil. \"Soft\" commodities are farmed or grown, such as wheat or coffee."}],"markDefs":[],"style":"normal"},{"_key":"925f76196a02","_type":"block","children":[{"_key":"df1b286ea923","_type":"span","marks":[],"text":"Compound interest"}],"markDefs":[],"style":"h4"},{"_key":"172a4d9f7b98","_type":"block","children":[{"_key":"044f75d18415","_type":"span","marks":[],"text":"Compound interest is the interest earned on savings or investments, including any earned previously. 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"}],"markDefs":[],"style":"normal"},{"_key":"c96a547a2bd7","_type":"block","children":[{"_key":"26b5e8c4cf51","_type":"span","marks":[],"text":"Credit rating"}],"markDefs":[],"style":"h4"},{"_key":"39869e40a5e5","_type":"block","children":[{"_key":"cb47f569539f","_type":"span","marks":[],"text":"A credit rating is a letter grade given to the issuer of a bond to indicate its \"quality\" - that is, the likelihood that the issuer will be able to keep up with their repayments and not default. The biggest bond credit rating agencies in the world are Standard & Poors, Moody's and Fitch. Credit ratings are regularly reviewed and can change at any time."}],"markDefs":[],"style":"normal"},{"_key":"da6c3c36816d","_type":"block","children":[{"_key":"e95462dc2e6a","_type":"span","marks":[],"text":"Credit reference agencies"}],"markDefs":[],"style":"h4"},{"_key":"efab9ccb32df","_type":"block","children":[{"_key":"2d8210715c17","_type":"span","marks":[],"text":"Credit reference agencies are companies which monitor and investigate an individual's personal and financial records to make a judgement on whether or not lenders should lend them money. This judgement is called a credit score. Banks and loan companies use credit reference agencies to determine if someone is essentially trustworthy or not, based on factors such as their financial stability and their history of using credit responsibly. The biggest credit reference agencies in the UK are Equifax, Experian and Transunion. 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A poor credit score can mean you are refused credit, such as a loan, which in turn can drag your score down even further. You can read more about credit scores in our full guide "},{"_key":"5b94a6a2fc04","_type":"span","marks":["b92a08e0e54d"],"text":"here"},{"_key":"380456b52813","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b92a08e0e54d","_type":"internalLinkPick","reference":{"_ref":"c35a2e48-fee0-4432-9a04-c3843110c519","_type":"reference"}}],"style":"normal"},{"_key":"eab5c250ee9a","_type":"block","children":[{"_key":"feecf9f1c857","_type":"span","marks":[],"text":"Cryptocurrency"}],"markDefs":[],"style":"h4"},{"_key":"9cc75c1e390c","_type":"block","children":[{"_key":"5f051b150e01","_type":"span","marks":[],"text":"Cryptocurrency or just \"crypto\" is a type of digital or virtual currency that uses cryptography for secure and decentralised (not managed by a central bank or government) transactions. Cryptocurrencies use a technology called blockchain to record and verify transactions. They can be used to buy goods and services online, and their value can fluctuate, similar to traditional currencies. Examples of cryptocurrencies include Bitcoin and Ethereum. 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This is a technique used by experienced investors and involves holding investments for as little as seconds before selling them on again."}],"markDefs":[],"style":"normal"},{"_key":"ad51307e03f7","_type":"block","children":[{"_key":"66009eb60584","_type":"span","marks":[],"text":"Deflation"}],"markDefs":[],"style":"h4"},{"_key":"eaf1f5e0a1aa","_type":"block","children":[{"_key":"33a0aa1e3191","_type":"span","marks":[],"text":"Deflation is the opposite of inflation. It occurs when the average price of goods and services decreases - or, simply put, when inflation falls below 0%."}],"markDefs":[],"style":"normal"},{"_key":"b113932d8759","_type":"block","children":[{"_key":"ad06d7ffd382","_type":"span","marks":[],"text":"Derivatives"}],"markDefs":[],"style":"h4"},{"_key":"52162e92758f","_type":"block","children":[{"_key":"7319e1b21a9b0","_type":"span","marks":[],"text":"A derivative is a financial contract that derives its value from the performance of an underlying asset, such as shares, bonds, commodities, or indices. It doesn't have intrinsic value on its own but rather \"derives\" its value from the price movements of the underlying asset. 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Easy to use with good service. For smaller pensions, it's good value, but those considering moving over their (probably inferior) workplace pension should think carefully - it will likely be a more expensive option but, on the flip side, will be easier, clearer and much better to use. The better usability will also encourage users to learn more about pensions and get their heads around it at a younger age - always a good thing."}],"markDefs":[],"style":"normal"}]},{"_key":"58d69407584b","_type":"block","children":[{"_key":"67de51c85cff","_type":"span","marks":["em"],"text":"*This is the view of investment expert Holly Mackay based on her first-hand customer experience as a test account holder. This does not constitute regulated advice. 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A poor credit score can mean you are refused credit, such as a loan, which in turn can drag your score down even further. You can read more about credit scores in our full guide "},{"_key":"5b94a6a2fc04","_type":"span","marks":["b92a08e0e54d"],"text":"here"},{"_key":"380456b52813","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b92a08e0e54d","_type":"internalLinkPick","reference":{"_ref":"c35a2e48-fee0-4432-9a04-c3843110c519","_type":"reference"}}],"style":"normal"},{"_key":"eab5c250ee9a","_type":"block","children":[{"_key":"feecf9f1c857","_type":"span","marks":[],"text":"Cryptocurrency"}],"markDefs":[],"style":"h4"},{"_key":"9cc75c1e390c","_type":"block","children":[{"_key":"5f051b150e01","_type":"span","marks":[],"text":"Cryptocurrency or just \"crypto\" is a type of digital or virtual currency that uses cryptography for secure and decentralised (not managed by a central bank or government) transactions. 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It is the opposite of an Accumulation or 'Acc' fund (see definition under 'A')."}],"markDefs":[],"style":"normal"},{"_key":"539ee7d465b2","_type":"block","children":[{"_key":"65bd7ce14307","_type":"span","marks":[],"text":"Diversification"}],"markDefs":[],"style":"h4"},{"_key":"329208177bd2","_type":"block","children":[{"_key":"3b6a386c064f","_type":"span","marks":[],"text":"Diversification is the process of spreading your investment portfolio across different asset classes, such as partially in shares and partially in bonds, in order to reduce risk. In other words, you're not putting all your eggs in one basket."}],"markDefs":[],"style":"normal"},{"_key":"c96483c20943","_type":"block","children":[{"_key":"6a15f3d9e40c","_type":"span","marks":[],"text":"Dividends"}],"markDefs":[],"style":"h4"},{"_key":"81ec74a9bae8","_type":"block","children":[{"_key":"0ef8678d6d8c","_type":"span","marks":[],"text":"A dividend is like a cash bonus you get in return for investing in something. 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Emerging market investments are usually considered to carry more risk, often because there is less information about them or less strong regulation in the economy they're based in."}],"markDefs":[],"style":"normal"},{"_key":"0bf72b93a6b3","_type":"block","children":[{"_key":"f281244e9629","_type":"span","marks":[],"text":"Equities"}],"markDefs":[],"style":"h4"},{"_key":"f82c7aff08b0","_type":"block","children":[{"_key":"92f7cd20a2bb","_type":"span","marks":[],"text":"Equities are another word for shares or stocks. 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ESG is increasingly popular as a method of assessing the environmental and social impact of investments, particularly for investors looking for \"green\" or \"impact\" investments - essentially, investments that claim to do some good for the world."}],"markDefs":[],"style":"normal"},{"_key":"b4065cf8967d","_type":"block","children":[{"_key":"ab1394a07929","_type":"span","marks":[],"text":"Exchange-Traded Fund (ETF)"}],"markDefs":[],"style":"h4"},{"_key":"c181cc772c9c","_type":"block","children":[{"_key":"ca38451ec42a","_type":"span","marks":[],"text":"An Exchange Traded Fund or ETF is a type of fund made up of a number of assets which can be bought and sold on the stock market, in the same way as you would with individual shares. ETFs can invest in lots of different asset classes. Think of them like an investment \"playlist\" - an easy way to access a collection of things. 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There is also the choice of ready-made portfolios, such as the famed LifeStrategy range. Note that individual shares, investment trusts and other investments such as bonds are not available with a Vanguard ISA."}],"markDefs":[],"style":"normal"},{"_key":"7fc7f2136b79","_type":"block","children":[{"_key":"6a157b1d58230","_type":"span","marks":[],"text":"The cost of investing with a Vanguard ISA differs depending on how much you invest and your account type. For a self-managed Stocks and Shares ISA, the account fee is £4 a month for balances under £32,000 and 0.15% a year for balances over £32,000, with a maximum of £375 a year. The fund management cost ranges from 0.06% to 0.79%, depending on the specific fund. 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"}],"markDefs":[],"style":"normal"},{"_key":"9acb1a0520ad","_type":"block","children":[{"_key":"1b19a24ae829","_type":"span","marks":[],"text":"Discover jargon-free definitions of the most common words and technical terms used in the world of investing."}],"markDefs":[],"style":"normal"}],"_key":"3a4e30ea425a","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_id":"5d7b7a10-93b8-4e8e-b898-eeb81f7bb976","_type":"information","_rev":"Q2jTe34nPChXwxoUavgl7P","_createdAt":"2023-11-13T14:54:54Z","_updatedAt":"2026-08-27T13:01:12Z","_system":{"base":{"id":"5d7b7a10-93b8-4e8e-b898-eeb81f7bb976","rev":"tog0wU1YHKUDgALpAlmmZ1"}},"authors":[{"_key":"37f62d1292a8","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"body":[{"_key":"71d249d9d01f","_type":"block","children":[{"_key":"c44a72677fe0","_type":"span","marks":["strong"],"text":"Boring Money's glossary has been created to help you better understand the world of finance and investing. 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We hope you find it helpful and easy to understand - whether you're a beginner investor or a budding Wolf of Wall Street."}],"markDefs":[],"style":"normal"},{"_key":"0622aa4999ff","_type":"block","children":[{"_key":"ac560989e19a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"626942a663a9","_type":"mainImage","alt":"An image of an open book and a set of Scrabble letters spelling out 'glossary'","asset":{"_ref":"image-e7bb499b6f0e9736ca8cd31bd4ea6864375b3101-1920x1080-png","_type":"reference"}},{"_key":"706b03ba0de6","_type":"block","children":[{"_key":"75b8a99586c0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"565c0c44e4be","_type":"block","children":[{"_key":"36a2528cf8c5","_type":"span","marks":[],"text":"How does it work?"}],"markDefs":[],"style":"h3"},{"_key":"9d83116f0520","_type":"block","children":[{"_key":"9ca4b8af735f","_type":"span","marks":[],"text":"Scroll down to begin learning about terms starting with the letter 'A' or use the menu to the left (below on mobile) to skip to the section you're looking for."}],"markDefs":[],"style":"normal"},{"_key":"4288ba86f457","_type":"anchorMenuMobile","title":"s"},{"_key":"f5045e0032ed","_type":"block","children":[{"_key":"6f2de6882cc7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"40848fa4f9f3","_type":"block","children":[{"_key":"8d84c97822a0","_type":"span","marks":[],"text":""},{"_key":"55f89ac5b1f8","_type":"mainAnchor","pageAnchor":{"_ref":"9f33a9fe-bf26-47e6-980a-92ef56b35048","_type":"reference"}},{"_key":"6d156f2bb4ec","_type":"span","marks":[],"text":""},{"_key":"f9cdf9c18a56","_type":"mainAnchor","pageAnchor":{"_ref":"7f2fc9e3-0c19-418f-8982-8172e658c6e6","_type":"reference"}},{"_key":"f459a572abb6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a676fa7fc813","_type":"dropdownWidget","items":[{"_key":"4231c712c52f","_type":"dropdownObject","text":[{"_key":"37f2f69c7e6d","_type":"block","children":[{"_key":"323f23660f73","_type":"span","marks":[],"text":"Accumulating (Acc)"}],"markDefs":[],"style":"h4"},{"_key":"1517798f4932","_type":"block","children":[{"_key":"ca4b7e32c4fb","_type":"span","marks":[],"text":"This is a descriptor used when a fund reinvests any dividends back into the fund itself and thus accumulates over time. In other words, you do not earn an income from an Acc fund, but it may suit 'growth' investors who want to prioritise the value of their assets growing over time."}],"markDefs":[],"style":"normal"},{"_key":"06fe8c08d34c","_type":"block","children":[{"_key":"c00d44a3a0a1","_type":"span","marks":[],"text":"Actively managed"}],"markDefs":[],"style":"h4"},{"_key":"cc645aa7f11c","_type":"block","children":[{"_key":"b5216f215395","_type":"span","marks":[],"text":"An actively managed investment is run by a professional or group of professionals, usually called portfolio managers or fund managers, who make decisions about what to buy to try and outperform the market for their customers. 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A positive alpha means you're beating expectations, while a negative alpha means you're falling short."}],"markDefs":[],"style":"normal"},{"_key":"47ceb3d0e5b3","_type":"block","children":[{"_key":"be9cea48e946","_type":"span","marks":[],"text":"Annuity"}],"markDefs":[],"style":"h4"},{"_key":"e65b4d55194e","_type":"block","children":[{"_key":"ddbe25414f44","_type":"span","marks":[],"text":"An annuity is a product you can buy which pays out a guaranteed, regular stream of income. They are most often purchased by retirees to convert their retirement savings into annual income packages. This is an alternative to pension drawdown, where you withdraw cash from your pension at your own discretion."}],"markDefs":[],"style":"normal"},{"_key":"099e5cf58cd6","_type":"block","children":[{"_key":"2f6cb36e28fe","_type":"span","marks":[],"text":"Asset"}],"markDefs":[],"style":"h4"},{"_key":"18b4a1b002ae","_type":"block","children":[{"_key":"926ed2451b39","_type":"span","marks":[],"text":"Assets are anything you own that has monetary value. In the investing world, these are the individual things you're investing in. Common examples of assets include shares, bonds, property or cash. 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Examples of large asset management firms include BlackRock, Fidelity and Invesco."}],"markDefs":[],"style":"normal"},{"_key":"5ebb41045d42","_type":"block","children":[{"_key":"b2c24736f8af","_type":"span","marks":[],"text":"Ask price"}],"markDefs":[],"style":"h4"},{"_key":"f06a7b38f586","_type":"block","children":[{"_key":"d232e86c9379","_type":"span","marks":[],"text":"The ask price is the lowest price at which a seller states they are willing to sell an investment. 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For example, the S&P 500 index is a common benchmark used to compare the performance of shares in large, American companies."}],"markDefs":[],"style":"normal"},{"_key":"13b261412d98","_type":"block","children":[{"_key":"0fb88dd461ff","_type":"span","marks":[],"text":"Beneficiary"}],"markDefs":[],"style":"h4"},{"_key":"039ad5b3883b","_type":"block","children":[{"_key":"0c1ab210da81","_type":"span","marks":[],"text":"A beneficiary is an individual who receives money or assets, usually as part of a deceased person's will, pension or life insurance policy. You can usually nominate your chosen beneficiary or beneficiaries, but unless specified otherwise, your spouse, civil partner and/or next of kin are typically treated as your beneficiaries by default."}],"markDefs":[],"style":"normal"},{"_key":"40e65eb9d02a","_type":"block","children":[{"_key":"49a303acc7ff","_type":"span","marks":[],"text":"Bid-ask spread"}],"markDefs":[],"style":"h4"},{"_key":"98c76c5c6e2a","_type":"block","children":[{"_key":"b02d71561f0e","_type":"span","marks":[],"text":"The bid-ask spread is the amount by which the ask price (the lowest price the seller is willing to sell at) exceeds the bid price (the highest price the buyer is willing to buy at). A low bid-ask spread is considered more desirable as it facilitates quicker and easier trades, whereas a high bid-ask spread may become an obstacle and make it more difficult to complete a trade."}],"markDefs":[],"style":"normal"},{"_key":"73b7314ce137","_type":"block","children":[{"_key":"1ffc1d9e80f2","_type":"span","marks":[],"text":"Bid price"}],"markDefs":[],"style":"h4"},{"_key":"be1f08a4cb5d","_type":"block","children":[{"_key":"2660920b7428","_type":"span","marks":[],"text":"The bid price is the highest price a buyer is willing to pay for an investment. It's often referred to in conjunction with the ask price or the bid-ask spread."}],"markDefs":[],"style":"normal"},{"_key":"ad47e8b69c37","_type":"block","children":[{"_key":"d6642431907f","_type":"span","marks":[],"text":"Bond"}],"markDefs":[],"style":"h4"},{"_key":"1086f1593163","_type":"block","children":[{"_key":"36c41fda7d6c","_type":"span","marks":[],"text":"A bond is a type of asset that represents a loan. 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Like \"bearish\", the term \"bullish\" can also be used to describe individual assets as well as the stock market."}],"markDefs":[],"style":"normal"}],"title":"B"}]},{"_key":"5ecf0c91627c","_type":"block","children":[{"_key":"64a289cbf370","_type":"span","marks":[],"text":""},{"_key":"804133d4cacc","_type":"mainAnchor","pageAnchor":{"_ref":"5527799a-6336-4789-87ba-9c1a41547057","_type":"reference"}},{"_key":"e1880a04ce67","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cbcf283a4cb8","_type":"dropdownWidget","items":[{"_key":"0379e3b9ffd2","_type":"dropdownObject","text":[{"_key":"2291889539ae","_type":"block","children":[{"_key":"1540d6ea60190","_type":"span","marks":[],"text":"Capital gains"}],"markDefs":[],"style":"h4"},{"_key":"417d58fff95b","_type":"block","children":[{"_key":"01333c1618c6","_type":"span","marks":[],"text":"A capital gain is the profit - the \"gain\" or sometimes called the \"return\" - you make if you sell an investment at a higher price than what you bought it for."}],"markDefs":[],"style":"normal"},{"_key":"14c849774176","_type":"block","children":[{"_key":"e41742f57156","_type":"span","marks":[],"text":"Capital Gains Tax (CGT)"}],"markDefs":[],"style":"h4"},{"_key":"523b87035a57","_type":"block","children":[{"_key":"b2a176e90d5e","_type":"span","marks":[],"text":"Capital Gains Tax or CGT is a tax charged on the gains you make from selling an investment. It only applies if your gains exceed the annual allowance and is calculated at different rates depending on your usual tax bracket. It does not apply if you invest through a tax-free ISA. See our full guide "},{"_key":"23f5530af69b","_type":"span","marks":["5333e4dc7c81"],"text":"here"},{"_key":"b177ec33e172","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"5333e4dc7c81","_type":"internalLinkPick","reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}}],"style":"normal"},{"_key":"e131cf527dc2","_type":"block","children":[{"_key":"568c655acceb","_type":"span","marks":[],"text":"Commodity"}],"markDefs":[],"style":"h4"},{"_key":"ffc841627173","_type":"block","children":[{"_key":"0e9764833cd0","_type":"span","marks":[],"text":"A commodity is a physical asset - usually a raw material or resource - such as wheat, gold or oil. \"Hard\" commodities refer to assets which must be mined or extracted, like gold or oil. \"Soft\" commodities are farmed or grown, such as wheat or coffee."}],"markDefs":[],"style":"normal"},{"_key":"925f76196a02","_type":"block","children":[{"_key":"df1b286ea923","_type":"span","marks":[],"text":"Compound interest"}],"markDefs":[],"style":"h4"},{"_key":"172a4d9f7b98","_type":"block","children":[{"_key":"044f75d18415","_type":"span","marks":[],"text":"Compound interest is the interest earned on savings or investments, including any earned previously. It grows exponentially and is a key advantage to starting out investing sooner rather than later - to give your investments more time, and thus more opportunity, to grow."}],"markDefs":[],"style":"normal"},{"_key":"e798e224c73a","_type":"block","children":[{"_key":"fad7af764672","_type":"span","marks":[],"text":"Consumer Price Index (CPI)"}],"markDefs":[],"style":"h4"},{"_key":"9818f8d23135","_type":"block","children":[{"_key":"f9a479008f5c","_type":"span","marks":[],"text":"The Consumer Price Index or CPI is a widely-used measure of inflation. It is used to represent the average change in prices across a range of goods and services that are typically purchased by UK households - for example, food and clothing. Core CPI excludes energy, food, alcohol and tobacco."}],"markDefs":[],"style":"normal"},{"_key":"39094b1cec8d","_type":"block","children":[{"_key":"5f7724e63ffa","_type":"span","marks":[],"text":"Copy trader"}],"markDefs":[],"style":"h4"},{"_key":"fc45fb444e81","_type":"block","children":[{"_key":"dbad6fb88be4","_type":"span","marks":[],"text":"A copy trader is someone who replicates the trades of someone else - usually, but not necessarily, an investing professional. The idea is to find an individual with a good track record and then copy their trades without having to assess or analyse anything yourself."}],"markDefs":[],"style":"normal"},{"_key":"32d73502e011","_type":"block","children":[{"_key":"6bb0057d23bf","_type":"span","marks":[],"text":"Corporate bond"}],"markDefs":[],"style":"h4"},{"_key":"671cdb804b1c","_type":"block","children":[{"_key":"bbd639400aed","_type":"span","marks":[],"text":"A corporate bond is a type of bond issued by a company. "}],"markDefs":[],"style":"normal"},{"_key":"c96a547a2bd7","_type":"block","children":[{"_key":"26b5e8c4cf51","_type":"span","marks":[],"text":"Credit rating"}],"markDefs":[],"style":"h4"},{"_key":"39869e40a5e5","_type":"block","children":[{"_key":"cb47f569539f","_type":"span","marks":[],"text":"A credit rating is a letter grade given to the issuer of a bond to indicate its \"quality\" - that is, the likelihood that the issuer will be able to keep up with their repayments and not default. The biggest bond credit rating agencies in the world are Standard & Poors, Moody's and Fitch. Credit ratings are regularly reviewed and can change at any time."}],"markDefs":[],"style":"normal"},{"_key":"da6c3c36816d","_type":"block","children":[{"_key":"e95462dc2e6a","_type":"span","marks":[],"text":"Credit reference agencies"}],"markDefs":[],"style":"h4"},{"_key":"efab9ccb32df","_type":"block","children":[{"_key":"2d8210715c17","_type":"span","marks":[],"text":"Credit reference agencies are companies which monitor and investigate an individual's personal and financial records to make a judgement on whether or not lenders should lend them money. This judgement is called a credit score. Banks and loan companies use credit reference agencies to determine if someone is essentially trustworthy or not, based on factors such as their financial stability and their history of using credit responsibly. The biggest credit reference agencies in the UK are Equifax, Experian and Transunion. 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A poor credit score can mean you are refused credit, such as a loan, which in turn can drag your score down even further. You can read more about credit scores in our full guide "},{"_key":"5b94a6a2fc04","_type":"span","marks":["b92a08e0e54d"],"text":"here"},{"_key":"380456b52813","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b92a08e0e54d","_type":"internalLinkPick","reference":{"_ref":"c35a2e48-fee0-4432-9a04-c3843110c519","_type":"reference"}}],"style":"normal"},{"_key":"eab5c250ee9a","_type":"block","children":[{"_key":"feecf9f1c857","_type":"span","marks":[],"text":"Cryptocurrency"}],"markDefs":[],"style":"h4"},{"_key":"9cc75c1e390c","_type":"block","children":[{"_key":"5f051b150e01","_type":"span","marks":[],"text":"Cryptocurrency or just \"crypto\" is a type of digital or virtual currency that uses cryptography for secure and decentralised (not managed by a central bank or government) transactions. Cryptocurrencies use a technology called blockchain to record and verify transactions. They can be used to buy goods and services online, and their value can fluctuate, similar to traditional currencies. Examples of cryptocurrencies include Bitcoin and Ethereum. 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The service is not the most exciting in town, and the supporting content and website could use some work, but they now have a decent app to support the journey. Changes to costs mean this is not the slam-dunk on costs for smaller investors that it used to be BUT it remains a pretty good value solution for people who don't want to choose from a range of funds and shares. Its Managed ISA and pension service are the most cost-effective and these ready-made options will please people who don't know how to - or who choose not to - manage a full portfolio themselves."}],"markDefs":[],"style":"normal"}]},{"_key":"2558928113d4","_type":"block","children":[{"_key":"1f2d365d2a22","_type":"span","marks":["em"],"text":"*This is the view of investment expert Holly Mackay based on her first-hand customer experience as a test account holder. This does not constitute regulated advice. 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There is also the choice of ready-made portfolios, such as the famed LifeStrategy range. Note that individual shares, investment trusts and other investments such as bonds are not available with a Vanguard ISA."}],"markDefs":[],"style":"normal"},{"_key":"7fc7f2136b79","_type":"block","children":[{"_key":"6a157b1d58230","_type":"span","marks":[],"text":"The cost of investing with a Vanguard ISA differs depending on how much you invest and your account type. For a self-managed Stocks and Shares ISA, the account fee is £4 a month for balances under £32,000 and 0.15% a year for balances over £32,000, with a maximum of £375 a year. The fund management cost ranges from 0.06% to 0.79%, depending on the specific fund. 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Any amount above this threshold is unlikely to be covered. Investments with Vanguard, on the other hand, are not guaranteed - by their nature, investments can and will go up and down in value."}],"markDefs":[],"style":"normal"},{"_key":"3d0f6d9cf4f7","_type":"block","children":[{"_key":"50aa8a6a1197","_type":"span","marks":[],"text":""},{"_key":"a4bbeea1bc80","_type":"mainAnchor","pageAnchor":{"_ref":"565edaa6-ad24-4e23-9720-11938d4dd074","_type":"reference"}},{"_key":"5928213953fc","_type":"span","marks":[],"text":"Who owns Vanguard?"}],"markDefs":[],"style":"h3"},{"_key":"0974ad308043","_type":"block","children":[{"_key":"205f6431eb040","_type":"span","marks":[],"text":"John C. Bogle (1929–2019) founded Vanguard in 1975. Since its inception, Bogle structured Vanguard to be owned by its own funds, which in turn means it’s owned by its own investors. Vanguard states that this unique ownership structure enables it to “focus squarely on meeting the investment needs of our clients”."}],"markDefs":[],"style":"normal"},{"_key":"62407364eb60","_type":"block","children":[{"_key":"f876930d58e0","_type":"span","marks":[],"text":""},{"_key":"af5a27d80ae0","_type":"mainAnchor","pageAnchor":{"_ref":"ee737e7f-710d-466a-8978-c12d1e0a1e90","_type":"reference"}},{"_key":"01a4deec7b76","_type":"span","marks":[],"text":"Can I move my pension to Vanguard?"}],"markDefs":[],"style":"h3"},{"_key":"e456a5de6a69","_type":"block","children":[{"_key":"f2b5a1d330fe0","_type":"span","marks":[],"text":"Yes, it is possible to transfer or ‘consolidate’ an existing, UK-registered pension to Vanguard. If you already hold Vanguard funds with another provider, you can transfer these to Vanguard directly as units or shares in what is known as an ‘in specie transfer’."}],"markDefs":[],"style":"normal"},{"_key":"266d49796e46","_type":"block","children":[{"_key":"60543bb16a5f0","_type":"span","marks":[],"text":"Individuals with a defined benefit/final salary pension scheme worth over £30,000 need to have their transfer signed off by a registered financial adviser first. 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"}],"markDefs":[],"style":"normal"},{"_key":"d3ead61d6c21","_type":"block","children":[{"_key":"c0dfd1509888","_type":"span","marks":[],"text":"They're often well-diversified, meaning they take steps to spread your "},{"_key":"9c923e007484","_type":"span","marks":["cf36465504d9"],"text":"investment risk"},{"_key":"a4192dd9c7ba","_type":"span","marks":[],"text":", which may include investing in:"}],"markDefs":[{"_key":"cf36465504d9","_type":"internalLinkPick","reference":{"_id":"drafts.5c5d525c-fda5-421a-aa58-0cffb97b4c8d","_type":"information","_rev":"740ddbb0-1592-466c-b08c-2aa8cac6e9a7","_createdAt":"2024-09-26T12:31:47Z","_updatedAt":"2026-06-19T13:01:51Z","_system":{"base":{"id":"5c5d525c-fda5-421a-aa58-0cffb97b4c8d","rev":"Hj76D8TA9yGzj4qHLrFYlV"}},"authors":[{"_key":"a932ed1ece99","_type":"personReference","people":{"_ref":"a348d880-eb50-4a98-86ce-c10a2e7503a2","_type":"reference"}}],"body":[{"_key":"d580aa07c3f9","_type":"anchorMenuMobile","title":"Menu"},{"_key":"5892398e6274","_type":"block","children":[{"_key":"2e65cd2e1b7b","_type":"span","marks":[],"text":"                                                                                                           "}],"markDefs":[],"style":"normal"},{"_key":"b7f5a7b6fdaf","_type":"mainImage","asset":{"_ref":"image-e4b90acd0c4f875c9b06574e6edc607e67f14c14-1920x1080-png","_type":"reference"}},{"_key":"14e797124e78","_type":"block","children":[{"_key":"e952236ac8ec","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0fdf0e6ae80f","_type":"block","children":[{"_key":"7b19790c845d0","_type":"span","marks":[],"text":"Anyone making an investment will be familiar with the phrase ‘capital at risk’ – it will be slapped on every communication you receive. But ‘risk’ may conjure up different things to different people. Risk can even be your friend if you use it the right way."}],"markDefs":[],"style":"normal"},{"_key":"d95e9b4b1b6b","_type":"block","children":[{"_key":"21cc0a610d0a0","_type":"span","marks":[],"text":"That said, there is little doubt that risk is a major deterrent to stock market investment for many people. Boring Money research shows that 50% of savers with more than £10,000 agree with the statement: ‘I’m concerned about losing any money’. This fear of loss of capital is one of the biggest barriers to getting started with investing."}],"markDefs":[],"style":"normal"},{"_key":"82d4f10cdc80","_type":"block","children":[{"_key":"d26a530e24c40","_type":"span","marks":[],"text":"The problem is that stock markets often hit the headlines for the wrong reasons. While most of the time, they potter along quite happily, occasionally, they have significant movements. That’s when the ‘£500bn wiped off shares’ will hit the front pages. This is unhelpful in understanding the real risk inherent in stock markets."}],"markDefs":[],"style":"normal"},{"_key":"3683e13d3c8b","_type":"block","children":[{"_key":"e36d233761eb","_type":"span","marks":[],"text":""},{"_key":"336da05bc199","_type":"mainAnchor","pageAnchor":{"_ref":"00364f4b-3797-4928-aed0-46a4c00d8c5d","_type":"reference"}},{"_key":"18547877f2220","_type":"span","marks":[],"text":"What is risk?"}],"markDefs":[],"style":"h3"},{"_key":"f55aec13dd0d","_type":"block","children":[{"_key":"886adfd8b4cb0","_type":"span","marks":[],"text":"There are various definitions of risk and it doesn’t help that the investment industry’s definition of risk is not the same as it is for most investors."}],"markDefs":[],"style":"normal"},{"_key":"9cf8611b2a8e","_type":"block","children":[{"_key":"7ca542f019370","_type":"span","marks":[],"text":"The investment industry defines risk as volatility – how much share prices move up and down. Under this definition, an investment is considered high risk if its price moves around a lot, whereas if the price stays pretty consistent, it is less risky."}],"markDefs":[],"style":"normal"},{"_key":"db7cfb0ecc97","_type":"block","children":[{"_key":"259d1a1d6d38","_type":"span","marks":[],"text":"The below illustrates volatility by risk category:"}],"markDefs":[],"style":"normal"},{"_key":"eae2704a5f14","_type":"mainImage","asset":{"_ref":"image-0cb7a0ba0b9409c02088b1f1bd0e95f59b005525-1720x1080-gif","_type":"reference"}},{"_key":"1deaa5a4fd3b","_type":"block","children":[{"_key":"cc8bce51ccee","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9e486a1341ef","_type":"block","children":[{"_key":"f70636ce50c50","_type":"span","marks":[],"text":"This is not how most people view risk. For them, they are pretty comfortable with share prices lurching higher; it’s just the down bits they don’t like. For most investors, permanent loss of capital is their greatest fear. In this scenario, they end up with less than they started with, at the point at which they need their cash."}],"markDefs":[],"style":"normal"},{"_key":"ece67f0557cb","_type":"block","children":[{"_key":"27b314310b6e","_type":"span","marks":[],"text":""},{"_key":"648358c87c35","_type":"mainAnchor","pageAnchor":{"_ref":"c6ac5d6d-e42d-4309-8ec4-e66f789d3734","_type":"reference"}},{"_key":"cfeb306b740e0","_type":"span","marks":[],"text":"How do people like you perceive risk?"}],"markDefs":[],"style":"h3"},{"_key":"a5228267d596","_type":"block","children":[{"_key":"a2a5a244c01e0","_type":"span","marks":[],"text":"Fundamental to investing is that with a greater acceptance of risk, there is a great opportunity for reward. However, most people don’t see risk in those terms. Most people see risk as something to be avoided."}],"markDefs":[],"style":"normal"},{"_key":"7247447475a0","_type":"block","children":[{"_key":"689249770e830","_type":"span","marks":[],"text":"Research from "},{"_key":"2fcbdda09391","_type":"span","marks":["a0ce7e2f648d"],"text":"Boring Money’s 2026"},{"_key":"689249770e831","_type":"span","marks":["em","a0ce7e2f648d"],"text":" Online Investing Report"},{"_key":"689249770e832","_type":"span","marks":["a0ce7e2f648d"],"text":" "},{"_key":"a46df0ff9673","_type":"span","marks":[],"text":"found that the main motivation cited to invest is to get ‘better returns’ – with 32% of people stating that this was the reason that prompted them to start investing in the first place."}],"markDefs":[{"_key":"a0ce7e2f648d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"be383eed-9694-4383-91fd-4e3bd0a7b3b4","_type":"reference"}}],"style":"normal"},{"_key":"284634d209e4","_type":"block","children":[{"_key":"e73eb13d31ef0","_type":"span","marks":[],"text":"But even amongst those who do invest, many are still uncomfortable around the idea of taking risk with money – 29% of investors agree with the statement: ‘I am comfortable taking on a lot of risk when it comes to my investments’."}],"markDefs":[],"style":"normal"},{"_key":"2e86e428fd77","_type":"block","children":[{"_key":"eeaa2ce0949c0","_type":"span","marks":[],"text":"Unsurprisingly, young investors are the least risk-averse – 58% of investors under 44 with £50,000 or more agree they are comfortable taking risk. But that still leaves a whopping 42% who are not. This means that younger people could be missing out on the opportunity to maximise their rewards over a lifetime of investing due to a fear of taking risk."}],"markDefs":[],"style":"normal"},{"_key":"71f37c324d89","_type":"block","children":[{"_key":"5a932604b3320","_type":"span","marks":[],"text":"Risk aversion in general accelerates with age – peaking as people approach the ‘decumulation’ phase (preparing for retirement) between 55-64."}],"markDefs":[],"style":"normal"},{"_key":"b0032e2c6454","_type":"block","children":[{"_key":"c301e7de019d0","_type":"span","marks":[],"text":"Aside from age, female investors are considerably more risk-averse than men across all age groups, with 47% strongly disagreeing with the idea of taking on ‘a lot of risk’ with their investments – driven especially by those aged 45 and above."}],"markDefs":[],"style":"normal"},{"_key":"11ec7b44ca6d","_type":"mainImage","asset":{"_ref":"image-47770c1d50cced257e31dd663b7d2962fd91a247-1920x1080-png","_type":"reference"}},{"_key":"0cc11dad1e7c","_type":"block","children":[{"_key":"14dac7f86a7b","_type":"span","marks":[],"text":""},{"_key":"b75a6b8fe0c6","_type":"mainAnchor","pageAnchor":{"_ref":"2e387264-29f1-434b-9dd0-c738c3304756","_type":"reference"}},{"_key":"38b25179304a0","_type":"span","marks":[],"text":"Stock markets aren’t as risky as you think"}],"markDefs":[],"style":"h3"},{"_key":"b77e07009b86","_type":"block","children":[{"_key":"642036d92d8f0","_type":"span","marks":[],"text":"Yes, stock markets go up and down, but over time, they are not as risky as you might imagine. Research from "},{"_key":"6a6537f4bd5a","_type":"span","marks":["184a7f53fcf8"],"text":"Schroders "},{"_key":"3e1df449a857","_type":"span","marks":[],"text":"shows a 91% probability of UK equities outperforming cash over any 10-year period in the past 123 years. Even over two, three, four and five years, the equivalent probability was 70% or above."}],"markDefs":[{"_key":"184a7f53fcf8","_type":"internalLinkPick","blank":true,"reference":{"_ref":"09eb24ad-c788-4bd8-85a0-e6b67651e189","_type":"reference"}}],"style":"normal"},{"_key":"6b4a08263e92","_type":"block","children":[{"_key":"f0d17e4417500","_type":"span","marks":[],"text":"Morningstar data shows that equities, which make up the lion's share of most investors' portfolios, have managed to return 7.4% per year after inflation over the trailing 100 years (S&P 500 total real return, annualised). That’s in spite of two world wars, the Great Depression, the Cold War, a global pandemic, and a range of local economic crises."}],"markDefs":[],"style":"normal"},{"_key":"58c57697a5c9","_type":"block","children":[{"_key":"b018ebc674e80","_type":"span","marks":[],"text":"Below is an illustration of the "},{"_key":"c1f5a6211003","_type":"span","marks":["85cbfc25e4dc"],"text":"FTSE 100"},{"_key":"c7493e6cc7bf","_type":"span","marks":[],"text":" index and "},{"_key":"55e5a6e3bc20","_type":"span","marks":["6b44a9e544ce"],"text":"MSCI World Index"},{"_key":"2169e032a9b9","_type":"span","marks":[],"text":" - over a ten year period. As you can see, if you invested £1000 in the MSCI Index in July 2014 by the end of December 2025, it would be worth £3806."}],"markDefs":[{"_key":"85cbfc25e4dc","_type":"glossaryPick","reference":{"_ref":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"reference"}},{"_key":"6b44a9e544ce","_type":"glossaryPick","reference":{"_ref":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"reference"}}],"style":"normal"},{"_key":"1fdfa2931eda","_type":"block","children":[{"_key":"c9995771bddd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8cdfebdb0fe9","_type":"frameWidget","href":"https://www.canva.com/design/DAG7OFE42_c/V25AjrWXM8szDDn7pZL9bg/view?embed"},{"_key":"fa483ec8e5b6","_type":"block","children":[{"_key":"e251b12897e90","_type":"span","marks":[],"text":"Certainly, there are points along this journey where if you had invested at the wrong time and sold at the wrong time, you would have lost money. "}],"markDefs":[],"style":"normal"},{"_key":"b362aa2a944f","_type":"block","children":[{"_key":"5d1c625350a9","_type":"span","marks":[],"text":"The key here is timeframes. If you had a long enough time horizon, you would have seen good returns."}],"markDefs":[],"style":"normal"},{"_key":"c99a0e6df6c2","_type":"block","children":[{"_key":"edb588f7e86e0","_type":"span","marks":[],"text":"Equally, relatively few people talk about the risks of holding cash. Cash feels intuitively safe because investors get back what they put in. However, this neglects the impact of inflation. Over the past 20 years, you would need a £10,000 investment to grow to over £17,000[1] to keep pace with the rising cost of living. It is far more difficult to do this if you hold all of your portfolio in cash."}],"markDefs":[],"style":"normal"},{"_key":"1f34cd3f1e6b","_type":"block","children":[{"_key":"0896fa5fec7d","_type":"span","marks":["strong"],"text":""},{"_key":"d82840962a1e","_type":"mainAnchor","pageAnchor":{"_ref":"6df393aa-007f-4533-9b69-8f1298eed8d9","_type":"reference"}},{"_key":"41a08e05d0ff0","_type":"span","marks":[],"text":"Risk versus uncertainty"}],"markDefs":[],"style":"h3"},{"_key":"29241bd35d7a","_type":"block","children":[{"_key":"37aedd6b4a1f0","_type":"span","marks":[],"text":"Consulting psychologist Paul Davies says how most of us define the word ‘risk’ when it comes to investing is misleading. He suggests that ‘uncertainty’ may be a more accurate term to use instead: "}],"markDefs":[],"style":"normal"},{"_key":"342444ac7c17","_type":"block","children":[{"_key":"50479d88871f","_type":"span","marks":[],"text":"“To put it simply, ‘risk’ is a trigger word. Neuroimaging research has shown that hearing or reading this word activates areas of the brain, such as the anterior insula and the thalamus. These regions are where we process emotions such as anxiety, fear, disappointment, sadness and regret. Triggering this reaction is very useful when you want to stop people from drinking bleach, but it’s too extreme in the context of investing.\""}],"markDefs":[],"style":"normal"},{"_key":"df0962cd0673","_type":"block","children":[{"_key":"28c1b8db7837","_type":"span","marks":[],"text":"In the video below our Founder & CEO Holly Mackay speaks to Paul about the psychological interpretation of risk:"}],"markDefs":[],"style":"normal"},{"_key":"6670eec37346","_type":"mainVideo","url":"https://vimeo.com/779623754"},{"_key":"d5935a616319","_type":"block","children":[{"_key":"5c47af657fdb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"faf8bddffb60","_type":"block","children":[{"_key":"043f4df14b130","_type":"span","marks":[],"text":"Risk doesn’t communicate both sides of the investing story – it only communicates loss. When someone is choosing what to do with their hard-earned life savings, it’s unfair to only speak in terms of loss. ‘Uncertainty’ represents both the positive and the negative sides of investing. "}],"markDefs":[],"style":"normal"},{"_key":"04b7bd9c5d68","_type":"block","children":[{"_key":"603fcece9725","_type":"span","marks":[],"text":"Davies adds: “It immediately communicates a balance that risk does not while not shying away from the potential downsides. People don’t welcome uncertainty either, but the word encourages consumers to investigate further rather than immediately running for the hills, scared they’ll lose everything.”"}],"markDefs":[],"style":"normal"},{"_key":"1a2b18fcc3af","_type":"block","children":[{"_key":"19bb7783220e","_type":"span","marks":[],"text":""},{"_key":"740a2e654eaf","_type":"mainAnchor","pageAnchor":{"_ref":"badc5194-f9c4-4948-a040-76d99a654890","_type":"reference"}},{"_key":"c669498207980","_type":"span","marks":[],"text":"Stock market risk is not homogenous"}],"markDefs":[],"style":"h3"},{"_key":"f701ab10aab3","_type":"block","children":[{"_key":"2ad912ef90c10","_type":"span","marks":[],"text":"Companies are not all the same, which means they do not carry the same risks. A large company, for example, will tend to be less risky than a small company. They will have a broader range of revenue streams, a more diverse client base, and operations worldwide. This makes them less risky than, for example, a company with two or three key clients and a single product."}],"markDefs":[],"style":"normal"},{"_key":"d232c6839d99","_type":"block","children":[{"_key":"4dc0cd1a9de60","_type":"span","marks":[],"text":"It is also true to say that different sectors and regions may carry different risks. A company in the US will have different governance and reporting standards to companies in other countries with less developed capital markets. A hotel business dependent on consumer spending will be inherently riskier than a healthcare business, where demand is stable across economic cycles."}],"markDefs":[],"style":"normal"},{"_key":"4373b4217866","_type":"block","children":[{"_key":"71bc4b6b3d7f0","_type":"span","marks":[],"text":"Equally – and this is an important point – companies with lots of expectation built into their share prices will be riskier than those on more realistic valuations. The problem in the technology boom and bust (also known as the dot-com bubble, that occurred between 1995 and 2002) was not, in most cases, that the companies were bad, it was that expectations for their future growth had become impossibly high."}],"markDefs":[],"style":"normal"},{"_key":"cf7c21f27fbf","_type":"block","children":[{"_key":"530ca87797f2","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"071041d5eb70","_type":"mainImage","asset":{"_ref":"image-e0b4cb8bcccb6d4974197e8bd2ad23eb9a27564c-1366x768-png","_type":"reference"}},{"_key":"53a466a4dab9","_type":"block","children":[{"_key":"4a9356bcd8be","_type":"span","marks":[],"text":""},{"_key":"66930a47ab58","_type":"mainAnchor","pageAnchor":{"_ref":"6ed5992f-a564-49a5-9e1a-a2f253d21ef5","_type":"reference"}},{"_key":"024881eb9b5e0","_type":"span","marks":[],"text":"What can help you manage risk?"}],"markDefs":[],"style":"h3"},{"_key":"76f31a212fc8","_type":"block","children":[{"_key":"0fe96b4f2ff20","_type":"span","marks":[],"text":"So what "},{"_key":"0fe96b4f2ff21","_type":"span","marks":["em"],"text":"do"},{"_key":"0fe96b4f2ff22","_type":"span","marks":[],"text":" we know about managing investment risk? Well, crucially, ‘risk’ does not equate to losing it all. Even during some of the worst financial upheavals, such as the Global Financial Crisis in 2008 and the more recent market’s reaction to Liz Truss’s disastrous mini-budget, markets generally bounce back."}],"markDefs":[],"style":"normal"},{"_key":"88441fbec560","_type":"block","children":[{"_key":"81781094351f","_type":"span","marks":[],"text":"Below are six things to consider to help you manage risk. "}],"markDefs":[],"style":"normal"},{"_key":"03e8a43e8b68","_type":"block","children":[{"_key":"54a647880aea0","_type":"span","marks":[],"text":""},{"_key":"ca6da57c112f","_type":"mainAnchor","pageAnchor":{"_ref":"72ac05e6-fc20-4378-af04-9f0a9f27e086","_type":"reference"}},{"_key":"41595b912fa2","_type":"span","marks":[],"text":"1. Time"}],"markDefs":[],"style":"h4"},{"_key":"d6848e461d27","_type":"block","children":[{"_key":"5bc7dbec38fc0","_type":"span","marks":[],"text":"The FTSE 100 fell 31% in 2008, but two years later it had fully recovered and then some. This was undoubtedly a problem for an investor who sold out during the dip, but for those who were able to hang in there until it had recovered, the damage to their portfolio was minimal (if any at all). Once again, it’s about your timeframes and avoiding being in a position where you need to sell your investments at a loss – i.e. becoming a “forced seller”. All stock market investment should be approached with a long-term time frame."}],"markDefs":[],"style":"normal"},{"_key":"ea52f90ca6a4","_type":"block","children":[{"_key":"a05a83a531c8","_type":"span","marks":[],"text":""},{"_key":"9b756105fe15","_type":"mainAnchor","pageAnchor":{"_ref":"6007fca4-6474-4357-97ff-a9ecd2440bb9","_type":"reference"}},{"_key":"269ad09610ca0","_type":"span","marks":[],"text":"2. Diversification"}],"markDefs":[],"style":"h4"},{"_key":"26be801f7fec","_type":"block","children":[{"_key":"4956cf8cd6690","_type":"span","marks":[],"text":"The greatest risk for investors is to have everything on red, and it comes up black. Stock market investment is not a casino and you shouldn’t risk it all on the spin of a wheel. Putting all your investments into a single company or sector – even if you think it’s a sure thing – is to be avoided. There are always risks you cannot anticipate."}],"markDefs":[],"style":"normal"},{"_key":"6368c5ce1fdf","_type":"block","children":[{"_key":"0f676e8e44ce0","_type":"span","marks":[],"text":"With this in mind, choosing investments exposed to a wide range of geographies and sectors is an important means to manage risk. You can achieve this through a balanced collective fund. You may not get the euphoric highs of picking the one technology stock that goes to the moon, but neither will you get the (more likely) bust. With a diversified spread of investments, if any one of them underperforms or crashes, you’ll be able to offset the losses against other, better-performing investments in your portfolio."}],"markDefs":[],"style":"normal"},{"_key":"109b42c15c39","_type":"block","children":[{"_key":"799fec0bb1850","_type":"span","marks":[],"text":"Multi-assets funds are a great way to have a diversified portfolio and can be likened to an investment ready-meal. Instead of buying all the ingredients yourself and worrying about putting it together, you can outsource everything to an investment manager and have them do it for you."}],"markDefs":[],"style":"normal"},{"_key":"3954d609af54","_type":"block","children":[{"_key":"ce637a774faf","_type":"span","marks":[],"text":"Holy Mackay explains multi-asset funds below:"}],"markDefs":[],"style":"normal"},{"_key":"f8ff52f83079","_type":"mainVideo","url":"https://vimeo.com/781137907"},{"_key":"2cc9611b3452","_type":"block","children":[{"_key":"4894cccbb0bd","_type":"span","marks":[],"text":""},{"_key":"f7e22243e7e0","_type":"mainAnchor","pageAnchor":{"_ref":"15798fe9-e0eb-44db-9ca2-6f5aef15280d","_type":"reference"}},{"_key":"3840e97317a50","_type":"span","marks":[],"text":"3. Income"}],"markDefs":[],"style":"h4"},{"_key":"b6b6aaa79c81","_type":"block","children":[{"_key":"ccdc58a1d71a0","_type":"span","marks":[],"text":"Targeting companies that pay out a share of their profits to investors through dividends can be a tool to manage risk in a portfolio. It means you get back 4-5% of your investment each year, which is reassuring. Dividends have historically been a significant share of the return from stock markets. Investors can choose to reinvest dividends to buy more investments and this can be a powerful way to grow wealth over time."}],"markDefs":[],"style":"normal"},{"_key":"49cba17f6a54","_type":"block","children":[{"_key":"0a7ab78e66e10","_type":"span","marks":["3cf7019510c3"],"text":"Investment Trusts"},{"_key":"d012502c9655","_type":"span","marks":[],"text":" can be a good vehicle for income as they offer dividends, which you can think of as a cash bonus you get to say “thank you” for investing in them. But here’s the icing on the cake: a fund manager can set aside up to 15% of a trust’s income during successful years to boost dividends at times when it hasn’t performed so well. Thanks to this unique function, many Investment Trusts tend to consistently pay - and even increase - their dividends during periods of market turmoil, and are an attractive option for investors looking for a steady stream of income, particularly if they focus on trusts with a reputation for consistent dividend payments."}],"markDefs":[{"_key":"3cf7019510c3","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}}],"style":"normal"},{"_key":"bfc4f9eb52e4","_type":"block","children":[{"_key":"15536e00fdc40","_type":"span","marks":[],"text":"If that's what you're looking for then the "},{"_key":"9d599c55c93d","_type":"span","marks":["8d4eb78c12e3"],"text":"AIC's Dividend Heroes "},{"_key":"80c1652d0218","_type":"span","marks":[],"text":"are the optimal place to start."}],"markDefs":[{"_key":"8d4eb78c12e3","_type":"internalLinkPick","blank":true,"reference":{"_ref":"5927327c-c130-492f-8722-8f8dc11fe0b2","_type":"reference"}}],"style":"normal"},{"_key":"8a5b3089c0d4","_type":"block","children":[{"_key":"acc73cbe8824","_type":"span","marks":[],"text":""},{"_key":"ffa5284f9770","_type":"mainAnchor","pageAnchor":{"_ref":"9ea01a66-7dda-44f6-a079-423150fb62c6","_type":"reference"}},{"_key":"d680d739c6750","_type":"span","marks":[],"text":"4. Regular savings"}],"markDefs":[],"style":"h4"},{"_key":"81612ad261cf","_type":"block","children":[{"_key":"bc6656e9f5af0","_type":"span","marks":[],"text":"Drip-feeding money into the stock market helps smooth out returns to investors. Investors will be buying at different price points, which ensures they aren’t investing large amounts of money when the stock market is very high (and therefore, potentially, about to fall). It may not see investors make more money, but it makes for an easier journey."}],"markDefs":[],"style":"normal"},{"_key":"5bf033e427fa","_type":"block","children":[{"_key":"d7730aeb3450","_type":"span","marks":[],"text":""},{"_key":"bc4b93c7ebb2","_type":"mainAnchor","pageAnchor":{"_ref":"afd995dd-3f30-4899-be92-b25fd917991c","_type":"reference"}},{"_key":"0475497ef0930","_type":"span","marks":[],"text":"5. Rebalance your portfolio"}],"markDefs":[],"style":"h4"},{"_key":"90407a98d345","_type":"block","children":[{"_key":"281b327fb4e80","_type":"span","marks":[],"text":"Rebalancing should happen once or twice a year and it’s about restoring the original weightings of the investments in your portfolio. You can rebalance by adding any top ups or re-directing any regular saving instructions to areas that have become a smaller portion of the portfolio, or by selling investments in areas that have performed well. This is a good discipline in helping investors buy at lower prices and sell at higher prices."}],"markDefs":[],"style":"normal"},{"_key":"d2bfd9255f06","_type":"block","children":[{"_key":"4735d33ac86a","_type":"span","marks":[],"text":""},{"_key":"413d8160ed96","_type":"mainAnchor","pageAnchor":{"_ref":"f1e3e264-00f9-4896-9817-df95e2dc8334","_type":"reference"}},{"_key":"6f35be1182190","_type":"span","marks":[],"text":"6. Invest in funds"}],"markDefs":[],"style":"h4"},{"_key":"ff6d45c64e3c","_type":"block","children":[{"_key":"96aeb8b4d6300","_type":"span","marks":[],"text":"Collective funds offer an easy and convenient way to invest, popular with novice and experienced investors alike. They’re a collection of investments chosen and run by a fund manager, so you benefit from the knowledge, skills, and experience of a professional. With thousands of funds available, you can invest in a mix of asset types such as shares and bonds to spread the risk around."}],"markDefs":[],"style":"normal"},{"_key":"84a926e74405","_type":"block","children":[{"_key":"43e644c9dd27","_type":"span","marks":[],"text":"Read more on different types of funds in our guide "},{"_key":"24f91c076309","_type":"span","marks":["e244da925a0b"],"text":"here"},{"_key":"ad8d8987128d","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"e244da925a0b","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"8d7aaaaac5d8","_type":"block","children":[{"_key":"cff919b936f7","_type":"span","marks":[],"text":""},{"_key":"3871734887b2","_type":"mainAnchor","pageAnchor":{"_ref":"20b3f23b-cc52-4404-9818-56d94eb2b4b1","_type":"reference"}},{"_key":"86a29b8214280","_type":"span","marks":[],"text":"How much risk should I take with my investments?"}],"markDefs":[],"style":"h3"},{"_key":"c2ee2e00033a","_type":"block","children":[{"_key":"50a6e85910080","_type":"span","marks":[],"text":"There are plenty of online tools and calculators that can tell you how much risk to take based on your age, wealth and appetite for risk. There are investment providers out there that can match you with a risk level that is personalised to your appetite and comfort levels – a bit like online dating for investing. Many will also suggest a "},{"_key":"f71cedae1dd7","_type":"span","marks":["836277c3b8ec"],"text":"ready-made portfolio"},{"_key":"cac1682d185b","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"836277c3b8ec","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"bff2eb2111d4","_type":"block","children":[{"_key":"4004eb7afc8d0","_type":"span","marks":[],"text":"Generally speaking, portfolios designed for investors seeking higher risk will have a higher proportion in individual shares, as these are typically considered more volatile assets, whereas lower risk portfolios may have a higher allocation to bonds, as these are traditionally seen as low-risk. So Wealthify’s ‘Cautious’ portfolio typically contains around 90% low-risk investments, including bonds, whereas its ‘Adventurous’ portfolio has around 90% in high-risk investments, such as shares."}],"markDefs":[],"style":"normal"},{"_key":"a4bf242d506d","_type":"block","children":[{"_key":"2f16351f5b280","_type":"span","marks":[],"text":"You can read more about ready-made portfolios and how they work in our "},{"_key":"60221f2c354e","_type":"span","marks":["280a4990e7c0"],"text":"beginner’s guide"},{"_key":"3c5861b05744","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"280a4990e7c0","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"44956c379ba0","_type":"block","children":[{"_key":"945b9e58e8c60","_type":"span","marks":[],"text":"Every quarter, we track the performance of popular ready-made portfolios available to UK investors across different risk levels from low to high. 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Learn why stock markets aren't as risky as you think and how to make risk work for you."}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":true,"linkMenu":[{"_key":"b03493767d65","_ref":"e883019e-b576-49a7-b54e-1a04aacd77c6","_type":"reference"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-e4b90acd0c4f875c9b06574e6edc607e67f14c14-1920x1080-png","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"607e940b-a7e0-4ec1-a5fa-7ee603b14620","_type":"reference"},"publishedAt":"2024-09-30T08:25:15.337Z","slug":{"_type":"slug","current":"what-is-investment-risk-and-why-does-it-matter"},"subfolder":{"_ref":"1e199c4b-b2a5-4733-b5fb-18b5874bd698","_type":"reference"},"template":"SB-C","title":"What is investment risk and why does it matter?","widgets":[{"_key":"ec40ae780f26","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-7a4460c8-706c-535c-8761-20fe57367b87","children":[],"parent":null}}],"style":"normal"},{"_key":"8937962a0a8a","_type":"textboxWidget","text":[{"_key":"bbcba856a871","_type":"block","children":[{"_key":"99b91b43146b","_type":"span","marks":[],"text":"Different types of asset, such as "},{"_key":"e31bbb645c08","_type":"span","marks":["09036afb4c99"],"text":"shares"},{"_key":"4627b8514e3a","_type":"span","marks":[],"text":" and "},{"_key":"13546b44a193","_type":"span","marks":["5183d26a5c8a"],"text":"bonds"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"09036afb4c99","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}},{"_key":"5183d26a5c8a","_type":"internalLinkPick","reference":{"_ref":"583a0e19-d23d-4df3-989f-54c2368f0d41","_type":"reference"}}],"style":"normal"},{"_key":"41e8abe4d9f8","_type":"block","children":[{"_key":"9cc1ce18c7b1","_type":"span","marks":[],"text":"Across different regions, such as developed and developing markets"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"872a429aea56","_type":"block","children":[{"_key":"fe1c764f779a","_type":"span","marks":[],"text":"Different sectors of the economy, such as energy and agriculture"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"9d56f38fd524","_type":"block","children":[{"_key":"a2d4b4a2295e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6cfadaf03c03","_type":"block","children":[{"_key":"827412f5b4e40","_type":"span","marks":[],"text":"Usually, a provider will offer a selection of ready-made portfolios tailored to different risk levels. You might see, for example, ready-made portfolios called ‘Cautious’ (low risk), ‘Balanced’ (medium risk) or ‘Adventurous’ (high risk). You may also come across alternative names like ‘Defensive’, ‘Conservative’ or ‘Growth’. "}],"markDefs":[],"style":"normal"},{"_key":"32de35e854b7","_type":"block","children":[{"_key":"3fe73043d84a","_type":"span","marks":[],"text":"Different providers tend to have their own naming conventions, but broadly speaking they’re referring to the amount of investment "},{"_key":"80646d6819e2","_type":"span","marks":["528c1b574eea"],"text":"risk"},{"_key":"0391ea768008","_type":"span","marks":[],"text":" associated with the portfolio."}],"markDefs":[{"_key":"528c1b574eea","_type":"internalLinkPick","blank":true,"reference":{"_id":"4d23f5fa-6df1-4cf6-adab-2c9b84c34e57","_type":"linkCategory","_rev":"r506ORX06Z9TVnQN3uEOK8","_createdAt":"2026-08-21T13:49:47Z","_updatedAt":"2026-08-21T13:50:01Z","description":"What is investment risk guide?","url":"https://www.boringmoney.co.uk/learn/investing-guides/what-is-investment-risk-and-why-does-it-matter/","id":"-73d08909-959d-5727-9d4f-5ceef3f14b1a","children":[],"parent":null}}],"style":"normal"},{"_key":"d4695d0912db","_type":"block","children":[{"_key":"840ffca313df0","_type":"span","marks":[],"text":"You can invest in ready-made portfolios through an investment account, including a "},{"_key":"a340727bdf99","_type":"span","marks":["7c11a1b8f3ee"],"text":"Stocks & Shares ISA"},{"_key":"768b39fd9db7","_type":"span","marks":[],"text":", a "},{"_key":"746f4dc8a820","_type":"span","marks":["273a55746902"],"text":"General Investment Account (GIA)"},{"_key":"e65f293cc4fb","_type":"span","marks":[],"text":" or with a "},{"_key":"9132339cb3f8","_type":"span","marks":["ec569ef2159a"],"text":"Self-Invested Personal Pension (SIPP)"},{"_key":"8f8c559666ca","_type":"span","marks":[],"text":". "}],"markDefs":[{"_key":"7c11a1b8f3ee","_type":"internalLinkPick","reference":{"_id":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"information","_rev":"vffm7lAPj6ZlYitxB1GRTa","_createdAt":"2021-06-22T07:54:58Z","_updatedAt":"2026-08-28T13:06:11Z","_system":{"base":{"id":"4506578b-e50c-4553-8a44-48ae9d21285e","rev":"4th8X0f06tYUuojQEqmyFW"}},"authors":[{"_key":"a2dc53edf3d2","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"0795ae107dac","_type":"block","children":[{"_key":"a95aee2ff972","_type":"span","marks":[],"text":"Edited by "},{"_key":"7c0b0e2cd2a7","_type":"span","marks":["strong","03a72064000d"],"text":"Joss Hysi"}],"markDefs":[{"_key":"03a72064000d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"516669e2-db12-42ef-972b-f58702b5b93a","_type":"reference"}}],"style":"normal"}],"body":[{"_key":"afa12019a668","_type":"block","children":[{"_key":"80f45c041d9d","_type":"span","marks":["strong"],"text":"A Stocks & Shares ISA lets you invest up to £20,000 a year tax-free from as little as £1 a month . It has historically outperformed cash over the long term, with no lock-in on your money. It suits investors with a 5-year-plus horizon who can ride out short-term dips. If you'll need the cash sooner, or a bad year would worry you, a Cash ISA is likely the better fit."}],"markDefs":[],"style":"normal"},{"_key":"38bd8e2f3c17","_type":"mainImage","asset":{"_ref":"image-d692e433d3386f13f1c23057c70a30c3f6e66032-1920x1080-jpg","_type":"reference"},"blankAltTag":true},{"_key":"898e6a6b7a92","_type":"block","children":[{"_key":"824b2783e2f7","_type":"span","marks":[],"text":""},{"_key":"1f3e55e1b73b","_type":"mainAnchor","pageAnchor":{"_ref":"c51dfbf0-7502-4c5d-b54d-cb8a53aaf690","_type":"reference"}},{"_key":"ca6e81dde3d1","_type":"span","marks":[],"text":"What is a Stocks & Shares ISA?"}],"markDefs":[],"style":"h2"},{"_key":"5c0cd91832c6","_type":"block","children":[{"_key":"c405c9f0938f","_type":"span","marks":[],"text":"A Stocks & Shares ISA is a type of savings account where you can save your money and invest in the stock market without having to worry about paying tax on any profits made."},{"_key":"9ecb5c4eb2d6","_type":"span","marks":["strong"],"text":" "},{"_key":"aad9d5ef89cf","_type":"span","marks":[],"text":"Every adult in the UK can tuck away up to"},{"_key":"6d5239f3d1e6","_type":"span","marks":["strong"],"text":" "},{"_key":"33624dfeed19","_type":"span","marks":[],"text":"£20,000 into a Stocks & Shares ISA in a single year, and any profits or income you make are tax-free. Forever. You can also take your money out whenever you need to (although beware that doing so and then adding money back in within the same tax year can impact your annual allowance if it's not a "},{"_key":"7ee5172da5c2","_type":"span","marks":["8242bba4c93e"],"text":"\"flexible\" ISA"},{"_key":"355abfc0a819","_type":"span","marks":[],"text":")."}],"markDefs":[{"_key":"8242bba4c93e","_type":"internalLinkPick","reference":{"_ref":"decc7a5d-2a64-4c9b-9fa6-aac6a4a89581","_type":"reference"}}],"style":"normal"},{"_key":"2eb50191f038","_type":"block","children":[{"_key":"882585431f3a","_type":"span","marks":[],"text":""},{"_key":"8c9d07a1b021","_type":"mainAnchor","pageAnchor":{"_ref":"f7f5e256-63dc-4d19-9d8d-31a6e15b7bbb","_type":"reference"}},{"_key":"66a4aade950b","_type":"span","marks":[],"text":"How do Stocks & Shares ISAs work?"}],"markDefs":[],"style":"h2"},{"_key":"86bc66456f00","_type":"block","children":[{"_key":"68bd96148d6a0","_type":"span","marks":[],"text":"As is always the case when it comes to investing in the stock market, you can lose money as well as make a profit. But where Stocks & Shares ISAs really shine is that they're a great product for those that want to invest but are put off by the complex and confusing tax rules that come with other types of investment accounts - such as "},{"_key":"d6ab2ef2f3e2","_type":"span","marks":["25b8347b6913"],"text":"General Investment Accounts "},{"_key":"476af16f7177","_type":"span","marks":[],"text":"(GIAs). So if you're thinking of investing but find wrapping your head around tax a bit of a headache, a Stocks & Shares ISA could be right for you."}],"markDefs":[{"_key":"25b8347b6913","_type":"internalLinkPick","blank":true,"reference":{"_ref":"5a9228ba-a3c9-4551-a0fa-b89474ae2f42","_type":"reference"}}],"style":"normal"},{"_key":"35c6e1afcd86","_type":"block","children":[{"_key":"634d137989f1","_type":"span","marks":[],"text":"For this reason, Stocks & Shares ISAs are popular with beginner and "},{"_key":"0dba4310de39","_type":"span","marks":["493532faee4f"],"text":"DIY investors"},{"_key":"5d88d94f0948","_type":"span","marks":[],"text":" in particular, but are a handy addition to any investor's portfolio if they want to make the most of their annual tax and earnings allowances. However, unlike the "},{"_key":"4956c9c2df35","_type":"span","marks":["dbabf6b93450"],"text":"Cash ISA"},{"_key":"929522354480","_type":"span","marks":[],"text":" (where your money sits idly, safe and steady in cash reserves) a Stocks & Shares ISA gives you exposure to the stock market - and all the inherent highs and lows that come with it. So maybe not for you if you're investing for a short period of time or you'd rather something with less risk."}],"markDefs":[{"_key":"493532faee4f","_type":"glossaryPick","reference":{"_ref":"7e951974-e67b-4048-a3bc-88252931b7e2","_type":"reference"}},{"_key":"dbabf6b93450","_type":"internalLinkPick","blank":true,"reference":{"_ref":"60f3a8e8-c55e-4ab7-9672-d1c79dd30efd","_type":"reference"}}],"style":"normal"},{"_key":"184d3fed24f2","_type":"block","children":[{"_key":"c874269636cf","_type":"span","marks":[],"text":"Despite all the bells and whistles, just 17% of UK adults hold a Stocks and Shares ISA account. Still not sure if they're right for you? Scroll down to delve into the pros and cons to help you decide. [1]"}],"markDefs":[],"style":"normal"},{"_key":"42ae7f95d77d","_type":"block","children":[{"_key":"065061ecf983","_type":"span","marks":[],"text":""},{"_key":"7b9a9b3830f3","_type":"mainAnchor","pageAnchor":{"_ref":"03489c0e-4cd2-48d7-8700-e6eb389280d6","_type":"reference"}},{"_key":"07f61339a933","_type":"span","marks":[],"text":"Is a Stocks & Shares ISA right for me?"}],"markDefs":[],"style":"h2"},{"_key":"b63a98b22f71","_type":"block","children":[{"_key":"0181f9cabb8f","_type":"span","marks":[],"text":"Deciding if a Stocks & Shares ISA is a good addition to your investment portfolio can be tricky, but it ultimately comes down to how long you're investing for and how much risk you're comfortable with. Have a peek at the pros and cons of Stocks & Shares ISAs in the table below to work out if they're right for you."}],"markDefs":[],"style":"normal"},{"_key":"5a9beb608fb1","_type":"prosConsWidget","cons":["You'll need access to your money soon","You have credit card debt to pay off","You'll faint if markets have a bad year"],"consTitle":"Bad if","pros":["Want to invest without worrying about tax","You have an investing timeframe of 5 years+","Interest rates are low"],"prosTitle":"Good if"},{"_key":"dde5d08dbd96","_type":"block","children":[{"_key":"55f7770c12ac","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1caf5b9fb5e4","_type":"block","children":[{"_key":"61c9b3627352","_type":"span","marks":[],"text":""},{"_key":"8e14b4983241","_type":"mainAnchor","pageAnchor":{"_ref":"61abfcc5-ca28-406e-af55-8b50ff2af72f","_type":"reference"}},{"_key":"84a693f93c0b","_type":"span","marks":[],"text":"Stock markets vs cash"}],"markDefs":[],"style":"h2"},{"_key":"39edf33f9f39","_type":"block","children":[{"_key":"900d8b1f1e5d","_type":"span","marks":["strong"],"text":"If you had put £1,000 away in 2014, what would it be worth by Q2 2026?"}],"markDefs":[],"style":"normal"},{"_key":"0427d38014c8","_type":"block","children":[{"_key":"0cb657307e7c","_type":"span","marks":[],"text":"The graph below shows you a recent example of how cash has performed compared to stock market shares. For the purposes of this illustration, we've looked at the growth of a single £1,000 lump sum investment in cash and in two stock market indices: the "},{"_key":"f1915286e2d0","_type":"span","marks":["f365db81b024"],"text":"FTSE 100"},{"_key":"5adc2e3f2dd3","_type":"span","marks":[],"text":" and "},{"_key":"2c863edac773","_type":"span","marks":["405dad0129e4"],"text":"MSCI World"},{"_key":"6b6977283874","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"f365db81b024","_type":"glossaryPick","reference":{"_ref":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"reference"}},{"_key":"405dad0129e4","_type":"glossaryPick","reference":{"_ref":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"reference"}}],"style":"normal"},{"_key":"bf50d697e081","_type":"block","children":[{"_key":"1e67ab98fc3e","_type":"span","marks":[],"text":"It's clear to see that leaving your money in cash (pink) led to significantly less growth over the period between 2014 and 2026 than if you had invested in stock markets. And although the British FTSE 100 Index (blue) didn't perform quite as well as MSCI World (green), it still climbed by a whopping £2,469- compared to gains of just £1,221 from cash over the same time period. MSCI World has an impressive £4,231 gain."}],"markDefs":[],"style":"normal"},{"_key":"30cfa74fa485","_type":"block","children":[{"_key":"c83627867777","_type":"span","marks":["em"],"text":"NB: The dip you can see after Q4 2019 reflects the start of the COVID-19 pandemic and subsequent global lockdowns."}],"markDefs":[],"style":"normal"},{"_key":"04f7de214aa6","_type":"block","children":[{"_key":"4de77c5f9f75","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0fc5603f98be","_type":"frameWidget","href":"https://www.canva.com/design/DAG7OFE42_c/V25AjrWXM8szDDn7pZL9bg/view?embed"},{"_key":"9ada0129d9d9","_type":"block","children":[{"_key":"102d48141425","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b76c279925f3","_type":"block","children":[{"_key":"daa564b0431f","_type":"span","marks":[],"text":""},{"_key":"76be62699b3e","_type":"mainAnchor","pageAnchor":{"_ref":"abce80e4-d3d9-4aac-abc1-510b2c118415","_type":"reference"}},{"_key":"f30cc6342f8e","_type":"span","marks":[],"text":"Stocks & Shares ISA: Short-term vs long-term investing "}],"markDefs":[],"style":"h2"},{"_key":"d82a8fc2fd0c","_type":"block","children":[{"_key":"8c136c2f2755","_type":"span","marks":[],"text":"It can be helpful to think about investing in the stock market a bit like the housing market. Imagine you hear on the news that the property market is down 3% in your area. Do you freak out, run for the hills and stockpile baked beans? No – only if you don't have a choice and "},{"_key":"aad09a6b9855","_type":"span","marks":["em"],"text":"have "},{"_key":"acc88a1b29a6","_type":"span","marks":[],"text":"to sell that year. Otherwise, you sit tight and wait for the market to recover. "}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"29e5815ac3a7","_type":"block","children":[{"_key":"706f02f0f1f2","_type":"span","marks":[],"text":"FREE TOOL: Not sure which ISA or pension is right for you?"}],"markDefs":[],"style":"h4"},{"_key":"413101212e38","_type":"block","children":[{"_key":"689ff7bc39ee","_type":"span","marks":[],"text":"Answer 6 questions. Get 3 tailored recommendations. Independent, unbiased, free."}],"markDefs":[],"style":"normal"}],"_key":"8c91ab282a38","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"reference":{"_ref":"249771c5-00b0-4103-9775-fe8bb8339397","_type":"reference"},"text":"FIND MY ISA"},{"_key":"50f10f0f6a8a","_type":"block","children":[{"_key":"0876d3b43bc1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c3ec473a32f","_type":"block","children":[{"_key":"9342c0a6ccfa","_type":"span","marks":[],"text":"Shares and investing in the stock market are kind of the same. Unless you need to sell at that very point in time, you can sit tight and ride out the bad times, only selling when the markets are more in your favour. "}],"markDefs":[],"style":"normal"},{"_key":"b02b151be7de","_type":"block","children":[{"_key":"738702b1f9bc","_type":"span","marks":[],"text":"This is why timeframes matter so much. If you know you'll need to cash in within 12 months, stick it in the stock market anyway, and then some unfortunate force sends markets tumbling... well, you’re stuffed and your back’s against the wall. You'll have to withdraw your cash during a dip. But if you can park your money for longer - say, 5 years or more - it’s much less likely you'll have to sell when things are rubbish."}],"markDefs":[],"style":"normal"},{"_key":"4249037765fa","_type":"block","children":[{"_key":"53725bd4af3b0","_type":"span","marks":[],"text":"As a very loose rule of thumb, expecting to make about 5% a year from a diversified portfolio (that is, essentially, a mixed bag) of investments should be achievable. Some years it could be 20%, some years it could be minus 20%. An important rule for investing is to avoid needing to be a forced seller in bad years, so the longer you give yourself to invest, the greater your ability to ride out any rough patches and cash in on your own terms - hopefully once you've made a decent profit!"}],"markDefs":[],"style":"normal"},{"_key":"b498c1bc502f","_type":"textboxWidget","image":{"_type":"mainImage","asset":{"_ref":"image-5ed7e4bf99e8196fa217894330eaef10e1131ccc-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","text":[{"_key":"f41512cd32a0","_type":"block","children":[{"_key":"2c6df9dcfbed","_type":"span","marks":[],"text":"Ready to open a Stocks & Shares ISA? "},{"_key":"53224b100cf8","_type":"span","marks":["8adc85d93860"],"text":"IG"},{"_key":"bcc74a0e71c1","_type":"span","marks":[],"text":" is one of the most trusted names in investing — FTSE 100-listed with over 50 years of market experience and 2 million+ clients worldwide."}],"markDefs":[{"_key":"8adc85d93860","_type":"internalLinkPick","blank":true,"reference":{"_ref":"bf801acc-58b0-48b5-8bd6-bd019ffc8e03","_type":"reference"}}],"style":"normal"},{"_key":"d1673ebd6b5a","_type":"block","children":[{"_key":"5ad550463c3e","_type":"span","marks":[],"text":"With an "},{"_key":"c9fcb23cc659","_type":"span","marks":["0cd2f6ebfdf1"],"text":"IG Stocks & Shares ISA"},{"_key":"61d683b50b16","_type":"span","marks":[],"text":", you get access to 17,000+ global markets — one of the largest offerings available — so whether you're just starting out or building a diversified portfolio, you'll never be short of options."}],"markDefs":[{"_key":"0cd2f6ebfdf1","_type":"internalLinkPick","blank":true,"reference":{"_ref":"bf801acc-58b0-48b5-8bd6-bd019ffc8e03","_type":"reference"}}],"style":"normal"},{"_key":"2751a85de2bd","_type":"block","children":[{"_key":"e7cabc737e77","_type":"span","marks":[],"text":"New to IG? Get "},{"_key":"331d19f4e6ea","_type":"span","marks":["strong"],"text":"5% AER"},{"_key":"190246e9e4ad","_type":"span","marks":[],"text":" on your uninvested ISA cash while you decide where to invest (T&Cs apply)."}],"markDefs":[],"style":"normal"},{"_key":"b14f7c38c9d3","_type":"block","children":[{"_key":"2f5d0506d7c6","_type":"span","marks":[],"text":"When you're ready to dive deeper, IG has you covered with "},{"_key":"aef5879f8e76","_type":"span","marks":["strong"],"text":"industry-leading education"},{"_key":"78189b3c8827","_type":"span","marks":[],"text":" through IG Academy, plus"},{"_key":"4aa70fb0f3a0","_type":"span","marks":["strong"],"text":" advanced charting tools"},{"_key":"9284372ac7ba","_type":"span","marks":[],"text":" via ProRealTime and TradingView for when you want to take a more hands-on approach."}],"markDefs":[],"style":"normal"},{"_key":"212b1976d129","_type":"block","children":[{"_key":"65dd11b69550","_type":"span","marks":["299a017cc91f"],"text":"Invest in shares, ETFs, and funds"},{"_key":"e1bc555c21c0","_type":"span","marks":[],"text":" — all tax-free within your annual £20,000 ISA allowance."}],"markDefs":[{"_key":"299a017cc91f","_type":"internalLinkPick","blank":true,"reference":{"_ref":"bf801acc-58b0-48b5-8bd6-bd019ffc8e03","_type":"reference"}}],"style":"normal"},{"_key":"f671aeabc348","_type":"block","children":[{"_key":"151a6be4871d","_type":"span","marks":["strong"],"text":"Capital at risk. Tax treatment depends on individual circumstances and may be subject to change."}],"markDefs":[],"style":"normal"}],"title":"Sponsored Message by IG"},{"_key":"31edda0e601c","_type":"block","children":[{"_key":"acd4ebc366e1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"d01a141e8c03","_type":"block","children":[{"_key":"e682afe0f5d1","_type":"span","marks":["strong"],"text":"OPEN AN IG ISA"}],"markDefs":[],"style":"normal"},{"_key":"41bce9ed5340","_type":"block","children":[{"_key":"81b442eaa20a","_type":"span","marks":["em"],"text":""}],"markDefs":[],"style":"normal"}],"_key":"301e2d4ad05a","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"partner":true,"reference":{"_ref":"bf801acc-58b0-48b5-8bd6-bd019ffc8e03","_type":"reference"},"text":"GO TO IG"},{"_key":"f1b8c015a37e","_type":"block","children":[{"_key":"3969728b09df","_type":"span","marks":[],"text":""},{"_key":"41e2b96a1a81","_type":"mainAnchor","pageAnchor":{"_ref":"de11b854-1405-452f-b312-e1ed6bbc24a8","_type":"reference"}},{"_key":"465560c9831b","_type":"span","marks":[],"text":"How risky can a Stocks & Shares ISA be?"}],"markDefs":[],"style":"h2"},{"_key":"507928f37beb","_type":"block","children":[{"_key":"fd3122a14683","_type":"span","marks":[],"text":"A Stocks & Shares ISA is as risky as whatever you're using it to invest in. So first up, don’t lose your mind and chase daft things like Bitcoin, gambling and spivvy schemes. Investing ultimately comes down to backing decent companies which do things you can get your head around and which make a profit, or have a damn good plan which will "},{"_key":"8a32973014ba","_type":"span","marks":["em"],"text":"make "},{"_key":"97946f0a6356","_type":"span","marks":[],"text":"them a profit. It’s like Dragon’s Den but on a larger scale."}],"markDefs":[],"style":"normal"},{"_key":"1d6886405254","_type":"block","children":[{"_key":"268a63f04360","_type":"span","marks":[],"text":"Some companies won’t make it. They won't hit oil, get that patent, or they'll suffer at the hands of an inept CEO. And if you're putting all your money behind that one company, then you're potentially losing a lot of it when its shares start to fall. That's why another of the most important rules of investing is to diversify and spread your money around a mix of different investments, so you can minimise your exposure to any one bad apple. So whether you're using a Stocks & Shares ISA or a "},{"_key":"0f9f6494d7ff","_type":"span","marks":["1dd505a90510"],"text":"Self-Invested Personal Pension (SIPP)"},{"_key":"2e7dba79791a","_type":"span","marks":[],"text":", investing in a "},{"_key":"4d4c45857700","_type":"span","marks":["22fe9ab63204"],"text":"fund"},{"_key":"8d3839177efd","_type":"span","marks":[],"text":" or an "},{"_key":"f66b16c429bf","_type":"span","marks":["97babda9aee4"],"text":"ETF"},{"_key":"ba6e4142de20","_type":"span","marks":[],"text":", bear this in mind."}],"markDefs":[{"_key":"22fe9ab63204","_type":"internalLinkPick","reference":{"_ref":"563c0ac4-83b1-459c-bc85-2ffbcf7d3521","_type":"reference"}},{"_key":"1dd505a90510","_type":"internalLinkPick","reference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"}},{"_key":"97babda9aee4","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}}],"style":"normal"},{"_key":"b9df4bec5115","_type":"block","children":[{"_key":"c5c87a2d112e","_type":"span","marks":[],"text":"No-one can look you in the eye and guarantee that you will absolutely, 100% make money in the stock market. However, if you're looking at more than a 5-year timeframe, the odds have historically ruled in favour for the stock market to do better than cash. And though Cash ISAs will protect your lump sum, your money is likely to grow at a much slower pace. This leaves you particularly exposed to the risk of "},{"_key":"5071bed96e6d","_type":"span","marks":["c966897b4217"],"text":"inflation"},{"_key":"e5d271e9d9b2","_type":"span","marks":[],"text":", and with the cost of living going up faster than interest rates, any cash sitting in a bank account is effectively going backwards in value – that is, its purchasing clout gets lower every year. "}],"markDefs":[{"_key":"c966897b4217","_type":"glossaryPick","reference":{"_ref":"9d62b1af-7674-4f39-ba20-b0154d565241","_type":"reference"}}],"style":"normal"},{"_key":"dfb5ca6d784c","_type":"block","children":[{"_key":"24910e026c40","_type":"span","marks":[],"text":"So really, it's a personal choice. Would you sleep better at night knowing there's virtually no risk in losing any capital? Then a Cash ISA is probably better for you. 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Click the link below to dig in!"}],"markDefs":[],"style":"normal"},{"_key":"c162feb57cd0","_type":"block","children":[{"_key":"08308deedffe","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"bbfbc6fb7b2e","_type":"block","children":[{"_key":"e34a8d102f53","_type":"span","marks":["strong"],"text":"Compare Stocks & Shares ISA providers"}],"markDefs":[],"style":"normal"}],"_key":"d254c9621a55","_type":"ctaWidget","reference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"text":"GET STARTED"},{"_key":"a92f5c5bdea8","_type":"block","children":[{"_key":"420910e2dddc","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3dcdb389dc04","_type":"block","children":[{"_key":"d139b5827fb7","_type":"span","marks":[],"text":"—-"}],"markDefs":[],"style":"normal"},{"_key":"95915c8698bf","_type":"block","children":[{"_key":"0e9499de4c56","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"127110d4b4be","_type":"block","children":[{"_key":"e59dad84c8f0","_type":"span","marks":[],"text":"[1] "},{"_key":"5cff85d779d7","_type":"span","marks":["fcea1234843c"],"text":"The Investors Centre, 2026"}],"markDefs":[{"_key":"fcea1234843c","_type":"internalLinkPick","blank":true,"reference":{"_ref":"af9fbe00-97b6-4052-a413-56a42b0a5897","_type":"reference"}}],"style":"normal"}],"brazeCustomAttributes":[{"_key":"44d17cbfb661","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_Article_Gated","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/stocks-shares-isa/"}],"categories":[{"_key":"d4970f30191f","_ref":"39d2ca7f-4862-4ab2-b902-0bf10f1d4c34","_type":"reference"},{"_key":"eb8a2362d0cd","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"emailSignupWidgetButtonText":"JOIN US","enableGatedContent":true,"excerpt":[{"_key":"8e5bbd141268","_type":"block","children":[{"_key":"6e90762aa8bb","_type":"span","marks":[],"text":"Learn how a Stocks & Shares ISA works: the £20,000 tax-free allowance, key benefits, and how it compares to a Cash ISA - explained simply by Boring Money."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"d482001f8667","_type":"block","children":[{"_key":"ff1ef849d0ac0","_type":"span","marks":[],"text":"What is a Stocks & Shares ISA?"}],"markDefs":[],"style":"h2"},{"_key":"3e6e7b549ef3","_type":"block","children":[{"_key":"59ea2c68a2090","_type":"span","marks":[],"text":"A Stocks & Shares ISA as a tax-free wrapper for your investments. 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Scroll down for the full pros and cons."}],"markDefs":[],"style":"normal"},{"_key":"6c21fe024de9","_type":"block","children":[{"_key":"95bed94f5c92","_type":"span","marks":[],"text":"Why should I get a Stocks & Shares ISA?"}],"markDefs":[],"style":"h2"},{"_key":"29fd46a9c152","_type":"block","children":[{"_key":"ad1da0793c62","_type":"span","marks":[],"text":"If you'd invested £10,000 in a Cash ISA in 2014, it would be worth around £12,200 today. Put the same £10,000 into the FTSE 100 and it could be worth roughly £24,800 - or invested globally via the MSCI World Index, over £42,000."},{"_key":"ebc7c9a56c94","_type":"span","marks":["strong"],"text":" "},{"_key":"2e65ba10e4ab","_type":"span","marks":[],"text":"While past performance doesn't guarantee future returns, this stark difference shows why Stocks & Shares ISAs have become the go-to choice for longer-term savings goals. "}],"markDefs":[],"style":"normal"},{"_key":"2fabd5277b67","_type":"block","children":[{"_key":"2b346019f4b30","_type":"span","marks":[],"text":"Is it right for me?"}],"markDefs":[],"style":"h3"},{"_key":"04960d3d629d","_type":"block","children":[{"_key":"15f6a9c84d54","_type":"span","marks":[],"text":"Getting a Stocks & Shares ISA is ideal for you if you:"}],"markDefs":[],"style":"normal"},{"_key":"32f3d5bbeb2d","_type":"textboxWidget","text":[{"_key":"4a0af1dad2d8","_type":"block","children":[{"_key":"2072dedf6ad2","_type":"span","marks":[],"text":"Want to invest without worrying about tax"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"49b17c696a56","_type":"block","children":[{"_key":"2072dedf6ad2","_type":"span","marks":[],"text":"Have an investing timeframe of 5 years+"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4d789d6898a5","_type":"block","children":[{"_key":"298ef3ea06d8","_type":"span","marks":[],"text":"Are comfortable with market ups and downs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e7fe4d606f03","_type":"block","children":[{"_key":"a7169b78ed40","_type":"span","marks":[],"text":"Are looking for potential higher returns than cash"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"4ad853517876","_type":"block","children":[{"_key":"5778cdf628b9","_type":"span","marks":[],"text":"When might a Stocks & Shares ISA not be right for you?"}],"markDefs":[],"style":"h3"},{"_key":"bff220cc38bd","_type":"block","children":[{"_key":"7a86c86ce57c","_type":"span","marks":[],"text":"A Stocks & Shares ISA might not be right for you if:"}],"markDefs":[],"style":"normal"},{"_key":"dd1f19d5ace6","_type":"textboxWidget","text":[{"_key":"e1187c7c7c98","_type":"block","children":[{"_key":"80115848bcfa","_type":"span","marks":[],"text":"You need guaranteed access to your money soon"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"67d37ba0717c","_type":"block","children":[{"_key":"72d4bbe488fb","_type":"span","marks":[],"text":"You have high-interest debts to clear first"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"569409d1dd65","_type":"block","children":[{"_key":"300af44e2864","_type":"span","marks":[],"text":"You're uncomfortable with any investment risk"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"26e223cd23ab","_type":"block","children":[{"_key":"174cb9bc1ec30","_type":"span","marks":[],"text":"What are the benefits of a Stocks & Shares ISA?"}],"markDefs":[],"style":"h2"},{"_key":"c014d5478327","_type":"block","children":[{"_key":"9a7d5d0a268c","_type":"span","marks":[],"text":"A Stocks & Shares ISA is both tax-efficient and flexible - shielding your investments from tax entirely, while still letting you access your money whenever you need it."}],"markDefs":[],"style":"normal"},{"_key":"927fc0d7e099","_type":"block","children":[{"_key":"7aebd9fe43380","_type":"span","marks":[],"text":"How is it tax efficient? 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There's no cap on how much you can pay in or take out, and no age restrictions, which makes a GIA the natural next step once you've used up your ISA and pension allowances for the year. However, you're responsible for tracking and reporting any tax you owe on capital gains, dividends and interest. Below, we break down exactly how a GIA works, who it's right for, and the simplest ways to keep your tax bill down."}],"markDefs":[],"style":"normal"},{"_key":"83b203f87b02","_type":"mainImage","asset":{"_ref":"image-ebce7d093b7487ead8a0d2df29f40fa5d3b42b89-1920x1080-png","_type":"reference"},"blankAltTag":true},{"_key":"8841d7b47cb2","_type":"block","children":[{"_key":"9cd240bfabe1","_type":"span","marks":[],"text":""},{"_key":"8b420c4580a1","_type":"mainAnchor","pageAnchor":{"_ref":"5709e327-caf0-425e-90a9-173a2203789a","_type":"reference"}},{"_key":"814674c19027","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"43bca2ffdd15","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"a1ccc6c93468","_type":"block","children":[{"_key":"4e736da3dcbd","_type":"span","marks":[],"text":"🥜 In a nutshell"}],"markDefs":[],"style":"h4"},{"_key":"286390b25111","_type":"block","children":[{"_key":"48e3b2ecbafb","_type":"span","marks":["strong"],"text":"Plenty of choice -"},{"_key":"49e022bf5a3a","_type":"span","marks":[],"text":" Invest in "},{"_key":"d3fa75016edf","_type":"span","marks":["000a3f978ce0"],"text":"funds"},{"_key":"bb6cec0a2daf","_type":"span","marks":[],"text":", "},{"_key":"d7ccfbc40142","_type":"span","marks":["00072c67702c"],"text":"shares"},{"_key":"117594580909","_type":"span","marks":[],"text":", "},{"_key":"105cb3d96b68","_type":"span","marks":["cef185a8d2de"],"text":"bonds"},{"_key":"4fce33d3bad9","_type":"span","marks":[],"text":", "},{"_key":"2d1d8c338d90","_type":"span","marks":["893f0fe6429b"],"text":"ETFs"},{"_key":"68d8db2c771a","_type":"span","marks":[],"text":", and "},{"_key":"5db371bd0800","_type":"span","marks":["592e247990a2"],"text":"more"},{"_key":"319b617b2cc3","_type":"span","marks":[],"text":". The widest range of investments available in a UK investment account."}],"level":1,"listItem":"bullet","markDefs":[{"_key":"000a3f978ce0","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}},{"_key":"00072c67702c","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}},{"_key":"cef185a8d2de","_type":"internalLinkPick","reference":{"_ref":"583a0e19-d23d-4df3-989f-54c2368f0d41","_type":"reference"}},{"_key":"893f0fe6429b","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}},{"_key":"592e247990a2","_type":"internalLinkPick","reference":{"_ref":"77a8222e-6c69-4668-941b-910d7abe4cff","_type":"reference"}}],"style":"normal"},{"_key":"bf62fefefe3c","_type":"block","children":[{"_key":"76a247f7785e","_type":"span","marks":["strong"],"text":"No tax perks"},{"_key":"dc47b04529f1","_type":"span","marks":[],"text":" "},{"_key":"87e4b8a47093","_type":"span","marks":["strong"],"text":"-"},{"_key":"22b5f785a618","_type":"span","marks":[],"text":" Unlike an "},{"_key":"8d6dc649f672","_type":"span","marks":["9c41f247fe22"],"text":"ISA"},{"_key":"036194c7fbae","_type":"span","marks":[],"text":" or "},{"_key":"e61d5675a19e","_type":"span","marks":["c38a9460c383"],"text":"pension"},{"_key":"7fa430d6fcab","_type":"span","marks":[],"text":", any income, dividends or capital gains are "},{"_key":"55e5c172f230","_type":"span","marks":["em"],"text":"not"},{"_key":"be5293a1dd91","_type":"span","marks":[],"text":" shielded from the taxman!"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"9c41f247fe22","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}},{"_key":"c38a9460c383","_type":"internalLinkPick","reference":{"_ref":"9d156163-52cd-4afd-9f5d-6c3e17b512c1","_type":"reference"}}],"style":"normal"},{"_key":"1b9562644e31","_type":"block","children":[{"_key":"fb2fbe9d70de","_type":"span","marks":["strong"],"text":"Unlimited contributions"},{"_key":"ef7d49d7ddbf","_type":"span","marks":[],"text":" "},{"_key":"60f287ab59e5","_type":"span","marks":["strong"],"text":"- "},{"_key":"344cad256847","_type":"span","marks":[],"text":"You can invest as much as you like with no annual limit."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"983cbfb0df97","_type":"block","children":[{"_key":"8c32a74b002b","_type":"span","marks":["strong"],"text":"Withdraw whenever you like -"},{"_key":"196217b8d22e","_type":"span","marks":[],"text":" No age limits or restrictions on accessing your money."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"faff20bb8323","_type":"block","children":[{"_key":"a6523bb68fb1","_type":"span","marks":["strong"],"text":"Use "},{"_key":"837f5a8390ae","_type":"span","marks":["strong","em"],"text":"after"},{"_key":"1bf49d584dee","_type":"span","marks":["strong"],"text":" your ISA and pension! - "},{"_key":"bd76579d7b3a","_type":"span","marks":[],"text":"Best suited to those who’ve already used up their annual tax-free allowances."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"2487ab5d6d80","_type":"block","children":[{"_key":"ec80e823e164","_type":"span","marks":[],"text":""},{"_key":"46b1a106ae4a","_type":"mainAnchor","pageAnchor":{"_ref":"324318c3-df5b-48b0-b1e9-a9ca1902ed41","_type":"reference"}},{"_key":"8eb520866557","_type":"span","marks":[],"text":"What is a GIA?"}],"markDefs":[],"style":"h2"},{"_key":"221b77613b2d","_type":"block","children":[{"_key":"ea953827b4b0","_type":"span","marks":["strong"],"text":"A GIA is a flexible investment account with no contribution limits and no withdrawal restrictions, but unlike an ISA or pension, it offers no tax shelter. You may owe Capital Gains Tax (CGT) on profits above £3,000, dividend tax on income above £500, and tax on interest above your savings allowance."}],"markDefs":[],"style":"normal"},{"_key":"d641a95f5184","_type":"block","children":[{"_key":"9228e1b5d809","_type":"span","marks":[],"text":"A General Investment Account (GIA) is one of the simplest ways to invest in the stock market. Think of it as a flexible “catch-all” investment account - no contribution limits and no withdrawal restrictions, but no special tax perks either."}],"markDefs":[],"style":"normal"},{"_key":"efcf5cf822c5","_type":"block","children":[{"_key":"96c44e829211","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"60ceea11f908","_type":"prosConsWidget","pros":["Shares","Funds","Bonds","ETFs","Investment Trusts","LTAFs"],"prosTitle":"You can use a GIA to invest in:"},{"_key":"405914b80658","_type":"block","children":[{"_key":"a4b8671332ad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c09051d182fe","_type":"block","children":[{"_key":"38f82b20613d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"380d22685b19","_type":"block","children":[{"_key":"a3b17677bd13","_type":"span","marks":[],"text":"The crucial thing to understand about GIAs is, unlike a "},{"_key":"f53ddd8b59bd","_type":"span","marks":["a6843919de20"],"text":"Stocks & Shares ISA"},{"_key":"8623adb6445b","_type":"span","marks":[],"text":" or "},{"_key":"f06532cb4909","_type":"span","marks":["f644b3d73399"],"text":"pension"},{"_key":"a64e7333c61c","_type":"span","marks":[],"text":", a GIA does not shield you from tax. This means:"}],"markDefs":[{"_key":"a6843919de20","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}},{"_key":"f644b3d73399","_type":"internalLinkPick","reference":{"_ref":"9d156163-52cd-4afd-9f5d-6c3e17b512c1","_type":"reference"}}],"style":"normal"},{"_key":"f9adfae54165","_type":"block","children":[{"_key":"f5a66c7e539d","_type":"span","marks":[],"text":"You may have to pay "},{"_key":"22a2d4e22dcf","_type":"span","marks":["e3e8ef7ec34e"],"text":"CGT"},{"_key":"ee3ed5b7c280","_type":"span","marks":[],"text":" on profits above £3,000 (the 2026-27 allowance)"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"e3e8ef7ec34e","_type":"internalLinkPick","reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}}],"style":"normal"},{"_key":"a159c01f88ba","_type":"block","children":[{"_key":"042606c3c012","_type":"span","marks":[],"text":"You may pay "},{"_key":"6f273a28f335","_type":"span","marks":["e4a5726fef9d"],"text":"dividend"},{"_key":"7cee6fe41987","_type":"span","marks":[],"text":" tax on income above £500"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"e4a5726fef9d","_type":"glossaryPick","reference":{"_ref":"879c473d-ba07-433e-ad4d-217e24243b54","_type":"reference"}}],"style":"normal"},{"_key":"d86e24101d57","_type":"block","children":[{"_key":"9585107484fc","_type":"span","marks":[],"text":"Any interest earned (for example, from cash or "},{"_key":"209791406ce5","_type":"span","marks":["c2dbbee6ae41"],"text":"money market funds"},{"_key":"b35e369af87a","_type":"span","marks":[],"text":") could count towards your savings allowance"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"c2dbbee6ae41","_type":"glossaryPick","reference":{"_ref":"acf8d7e2-2e60-4a57-8bc9-7b5d085a4693","_type":"reference"}}],"style":"normal"},{"_key":"c081bc74fafd","_type":"block","children":[{"_key":"b146293d19b5","_type":"span","marks":[],"text":""},{"_key":"388503bc03e2","_type":"mainAnchor","pageAnchor":{"_ref":"094d1a3e-f7bf-4543-a216-e6804a5653f3","_type":"reference"}},{"_key":"ac35d7b69bc6","_type":"span","marks":[],"text":"Is a GIA right for me?"}],"markDefs":[],"style":"h2"},{"_key":"d351e227ea5b","_type":"block","children":[{"_key":"114a79922386","_type":"span","marks":["strong"],"text":"A GIA is worth using once you've maxed out your ISA and pension allowances for the year. It suits investors who want unlimited contributions and no withdrawal restrictions, but it's not the first place to put money if you still have tax-free ISA or pension headroom available."}],"markDefs":[],"style":"normal"},{"_key":"81869d0c8b5a","_type":"block","children":[{"_key":"26449704e878","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ab9a2a611b52","_type":"prosConsWidget","cons":["Want to minimise your tax bill","Don't want to deal with self assessment tax returns","Want tax relief or bonuses to boost your earnings"],"consTitle":"Bad if you","pros":["Have maxed out your ISA or pension allowances","Want flexibility and easy access","Are comfortable understanding and self-reporting tax"],"prosTitle":"Good if you"},{"_key":"2faa0b443cb3","_type":"block","children":[{"_key":"95a6d9c75348","_type":"span","marks":[],"text":""},{"_key":"47163c4f59e0","_type":"mainAnchor","pageAnchor":{"_ref":"010aeb74-888a-4362-a98b-82cedb3f8dfc","_type":"reference"}},{"_key":"0e43d908d8a4","_type":"span","marks":[],"text":"How do you make the most of your GIA?"}],"markDefs":[],"style":"h2"},{"_key":"86ffae6c7007","_type":"block","children":[{"_key":"82aa04406677","_type":"span","marks":["strong"],"text":"Make the most of a GIA by diversifying across assets and regions to reduce risk, favouring growth stocks over income-generating ones to control when you trigger CGT, and reviewing your portfolio quarterly (with a deeper annual check-in) to stay on top of rebalancing and tax planning."}],"markDefs":[],"style":"normal"},{"_key":"38b097b6559e","_type":"block","children":[{"_key":"81573fdf36270","_type":"span","marks":[],"text":"If you're considering setting up a GIA account - or even if you already have one - here are a few things you should know to make the most of it."}],"markDefs":[],"style":"normal"},{"_key":"30aeb6104fdb","_type":"block","children":[{"_key":"3cad566f1e11","_type":"span","marks":[],"text":""},{"_key":"1653fc1f4b07","_type":"mainAnchor","pageAnchor":{"_ref":"02838716-326d-4875-bd5e-a94679cff6f5","_type":"reference"}},{"_key":"bed5ff64aa1c","_type":"span","marks":[],"text":"🏆 The golden rule of investing"}],"markDefs":[],"style":"h3"},{"_key":"83a2be18122d","_type":"block","children":[{"_key":"84a5e912ac84","_type":"span","marks":[],"text":"The number one rule of investing applies to GIAs too: diversify, diversify, diversify! "},{"_key":"28bee6e86936","_type":"span","marks":["8f857c0839e7"],"text":"Diversification"},{"_key":"93ac7a1e6d04","_type":"span","marks":[],"text":" means spreading your investments across different "},{"_key":"fcd2e0462beb","_type":"span","marks":["9b2d2c1772ef"],"text":"assets"},{"_key":"a7f9d58082c2","_type":"span","marks":[],"text":", regions and "},{"_key":"769055f9ff35","_type":"span","marks":["29b07840497a"],"text":"sectors"},{"_key":"14cfe45df675","_type":"span","marks":[],"text":". Essentially, it's about not putting all your eggs in one basket. Say for example that European markets take a tumble, a diversified "},{"_key":"8d0a6d94db00","_type":"span","marks":["49522d757b1c"],"text":"portfolio"},{"_key":"41599d23d3db","_type":"span","marks":[],"text":" could help to offset your losses against other investments with less exposure to the crash. Ensuring your GIA invests in a range of products can therefore minimise "},{"_key":"6cebf8c2f2dc","_type":"span","marks":["64ae61c0f6fe"],"text":"risk"},{"_key":"c23d4066a623","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"8f857c0839e7","_type":"internalLinkPick","reference":{"_ref":"d168211f-4ca3-49e6-95ae-e8e0e2b46e0b","_type":"reference"}},{"_key":"9b2d2c1772ef","_type":"glossaryPick","reference":{"_ref":"bbd21391-fb19-4ae7-9dd4-03e45b9ff515","_type":"reference"}},{"_key":"29b07840497a","_type":"glossaryPick","reference":{"_ref":"a90c5817-1fb8-41c7-baaa-31dd7e2f84d5","_type":"reference"}},{"_key":"49522d757b1c","_type":"glossaryPick","reference":{"_ref":"6b92523e-8382-472b-a1d9-c0e1654e0ad7","_type":"reference"}},{"_key":"64ae61c0f6fe","_type":"glossaryPick","reference":{"_ref":"40cecbee-f8e8-4228-8d2c-5f98f1862a58","_type":"reference"}}],"style":"normal"},{"_key":"a9676fb9b63b","_type":"block","children":[{"_key":"605e881f17e6","_type":"span","marks":[],"text":""},{"_key":"a8da3a198d23","_type":"mainAnchor","pageAnchor":{"_ref":"fd1d690c-78be-439e-9595-6453bc53c7b1","_type":"reference"}},{"_key":"d773a93b66e9","_type":"span","marks":[],"text":"🌱 Focus on growth"}],"markDefs":[],"style":"h3"},{"_key":"e6d4aab27660","_type":"block","children":[{"_key":"12ad3ca23dd50","_type":"span","marks":[],"text":"As GIAs don't give you any protection from the taxman, it's important to put your investments in the most tax-efficient places. "},{"_key":"0a9e823f845a","_type":"span","marks":["2cf6a6bbbf04"],"text":"Growth stocks"},{"_key":"d72eaf5fc85c","_type":"span","marks":[],"text":" - which focus on increasing in value over the long-term, rather than paying out "},{"_key":"da2f074971ad","_type":"span","marks":["18372a7dab67"],"text":"dividends"},{"_key":"48237cdf4108","_type":"span","marks":[],"text":" - work well in GIAs. This is because you can control when you buy and sell them to avoid triggering a "},{"_key":"6d406d3c527e","_type":"span","marks":["74d2e6f6b932"],"text":"CGT"},{"_key":"b001f77a8c4a","_type":"span","marks":[],"text":" bill on your profit. Income-generating investments, such as "},{"_key":"7fb17c52fd31","_type":"span","marks":["fd871b98176d"],"text":"bonds"},{"_key":"e1620d75fce1","_type":"span","marks":[],"text":", can easily tip you over the threshold for dividend tax."}],"markDefs":[{"_key":"2cf6a6bbbf04","_type":"glossaryPick","reference":{"_ref":"1b2c6666-e5d6-4de5-b40b-40bd68aa78f9","_type":"reference"}},{"_key":"18372a7dab67","_type":"glossaryPick","reference":{"_ref":"879c473d-ba07-433e-ad4d-217e24243b54","_type":"reference"}},{"_key":"74d2e6f6b932","_type":"internalLinkPick","reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}},{"_key":"fd871b98176d","_type":"internalLinkPick","reference":{"_ref":"583a0e19-d23d-4df3-989f-54c2368f0d41","_type":"reference"}}],"style":"normal"},{"_key":"ec1606936734","_type":"block","children":[{"_key":"e49239b734d9","_type":"span","marks":[],"text":""},{"_key":"09542da42b42","_type":"mainAnchor","pageAnchor":{"_ref":"504bab11-7915-4462-83fa-285d73fba6da","_type":"reference"}},{"_key":"2da2c899fb81","_type":"span","marks":[],"text":"🔎 Monitor your investments"}],"markDefs":[],"style":"h3"},{"_key":"66dd7eee30bf","_type":"block","children":[{"_key":"ca0e401989bf0","_type":"span","marks":[],"text":"It's especially prudent to establish a regular review schedule, much like health check-ups, when investing with a GIA. A quarterly review can help you stay on top of things like "},{"_key":"cbace0a8c4c1","_type":"span","marks":["e7ee7441b8f6"],"text":"rebalancing"},{"_key":"2580923f7903","_type":"span","marks":[],"text":" (making sure your portfolio is well-diversified and reflects your goals) and tax planning (identifying where you may be liable and need to file a "},{"_key":"4b52db5f0628","_type":"span","marks":["69660be55f0a"],"text":"self assessment return"},{"_key":"65bcd1bbef65","_type":"span","marks":[],"text":"). Once a year, a deeper-dive annual review can be a good opportunity to reassess your overall strategy and make sure you're still on track to meet your goals."}],"markDefs":[{"_key":"e7ee7441b8f6","_type":"internalLinkPick","reference":{"_ref":"42eb5aa4-2f86-4ccd-bac6-f2bba63be9c3","_type":"reference"}},{"_key":"69660be55f0a","_type":"internalLinkPick","reference":{"_ref":"62aa8c82-1544-442a-b6cc-c2420d36fc00","_type":"reference"}}],"style":"normal"},{"_key":"c565fda0e35f","_type":"block","children":[{"_key":"f34445ed6b87","_type":"span","marks":[],"text":""},{"_key":"e94b0bb66277","_type":"mainAnchor","pageAnchor":{"_ref":"ae6ce72e-cd92-44fd-b1de-60a9b92b7588","_type":"reference"}},{"_key":"98ee77c8563f","_type":"span","marks":[],"text":"What tax do I need to plan for with GIA?"}],"markDefs":[],"style":"h2"},{"_key":"c7af49905f6d","_type":"block","children":[{"_key":"7185c5555e36","_type":"span","marks":["strong"],"text":"With a GIA, you're liable for CGT above £3,000 (18% basic rate, 24% higher rate) and dividend tax above £500 - even on reinvested \"notional\" dividends. 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This threshold will increase to 57 years old from 2028 and there's a good chance it will continue to rise to reflect an ageing population and similar changes to the State Pension age."}],"markDefs":[],"style":"normal"},{"_key":"7d59da91fec5","_type":"block","children":[{"_key":"30984b039238","_type":"span","marks":[],"text":"You can take up to 25% as a tax-free lump sum"}],"markDefs":[],"style":"h4"},{"_key":"c68a6e98d419","_type":"block","children":[{"_key":"1adeeec6638c","_type":"span","marks":[],"text":"As with most pension schemes, from the age of 55 onwards you can withdraw 25% of the value of your SIPP - up to a maximum of £268,275 - tax-free. 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SIPPs can accommodate either but it's crucial to check whether your chosen provider offers the route you want to take, as some are limited to only drawdown schemes or only annuities. It's best to check this "},{"_key":"cb1a3b0ee27f","_type":"span","marks":["em"],"text":"before"},{"_key":"04c8c80479d8","_type":"span","marks":[],"text":" you start saving into a SIPP so you don't end up having to make last-minute transfers in the run-up to retirement!"}],"markDefs":[{"_key":"0cb4416ebeef","_type":"internalLinkPick","reference":{"_ref":"30c293dd-a614-4253-a4c2-ed4b64cdd9ac","_type":"reference"}},{"_key":"58fcf70be682","_type":"internalLinkPick","reference":{"_ref":"18cc7a4b-b423-47ee-8759-5fa886b087d6","_type":"reference"}}],"style":"normal"},{"_key":"abdbbd3e1f3a","_type":"block","children":[{"_key":"6805c4c7eb35","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"4874100ec44d","_type":"block","children":[{"_key":"395616f61b23","_type":"span","marks":["strong"],"text":"Drawdown vs annuity: Which is best for you?"}],"markDefs":[],"style":"normal"}],"_key":"bfb143359578","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"79fcc0a0-e069-4ec5-b1ea-8a6a48d6fb5e","_type":"reference"},"text":"TELL ME"},{"_key":"954b38f4eb68","_type":"block","children":[{"_key":"df44ecfabb54","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7a3f253ff758","_type":"block","children":[{"_key":"1d01a10a74df","_type":"span","marks":[],"text":""},{"_key":"1efd08dfc6ff","_type":"mainAnchor","pageAnchor":{"_ref":"4fb202b7-6246-4faa-b97d-bee6f208d1d1","_type":"reference"}},{"_key":"2feb83c206cb","_type":"span","marks":[],"text":"Is a personal pension right for me?"}],"markDefs":[],"style":"h2"},{"_key":"2f12fd40cc34","_type":"block","children":[{"_key":"f3cd487d2612","_type":"span","marks":[],"text":"Is it a good idea for you to open a SIPP? While the idea of taking retirement savings into your own hands sounds appealing, it's not always the best course of action for everyone. Here's a run-down of the key pros and cons of SIPPs."}],"markDefs":[],"style":"normal"},{"_key":"0c037522a1a8","_type":"prosConsWidget","cons":["Already have a competitive workplace pension scheme","Will need the money before you're 55","Have expensive debt to pay off first"],"consTitle":"Bad if you","pros":["Can set aside money until you're 55","Are self-employed and want to save for retirement","Want more control over your retirement savings"],"prosTitle":"Good if you "},{"_key":"0d6ddf57ea97","_type":"block","children":[{"_key":"70d644c31f280","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"69e33702ca96","_type":"block","children":[{"_key":"4b6acec9bdeb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"61804af9c650","_type":"block","children":[{"_key":"1c2d94e2f4580","_type":"span","marks":["strong"],"text":"Discover three reasons why you should open a SIPP today"}],"markDefs":[],"style":"normal"}],"_key":"8e867e8ac8ca","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"fdb02161-4452-428f-b5f2-e2feca21222f","_type":"reference"},"text":"FIND OUT"},{"_key":"7780f35dead2","_type":"block","children":[{"_key":"fe7b2db8cfa5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4e0fa86f3d2d","_type":"block","children":[{"_key":"f206819400f2","_type":"span","marks":[],"text":""},{"_key":"a5170953afaf","_type":"mainAnchor","pageAnchor":{"_ref":"d5017282-7bc8-4433-bcd8-1bc15bc86641","_type":"reference"}},{"_key":"f7b926c31def2","_type":"span","marks":[],"text":"How much can I pay into a personal pension?"}],"markDefs":[],"style":"h2"},{"_key":"785d2edd23e3","_type":"block","children":[{"_key":"6a1c63cdf64e","_type":"span","marks":[],"text":"The maximum amount most people can pay into their pensions each tax year is typically £60,000 or 100% of their salary - whichever is lowest. This includes the total of:"}],"markDefs":[],"style":"normal"},{"_key":"584d233d3bda","_type":"block","children":[{"_key":"4ed0c1dcfffe0","_type":"span","marks":[],"text":"your own contributions (plus any tax relief you receive) and;"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"cce9b4ba775a","_type":"block","children":[{"_key":"2f147cf74a470","_type":"span","marks":[],"text":"any employer contributions"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"045b27aa3d99","_type":"block","children":[{"_key":"521a86c97e760","_type":"span","marks":[],"text":"If you are unemployed or earn under £3,600 a year, then the most you can pay into your pension is £2,880 (this increases to £3,600 with the tax relief applied)."}],"markDefs":[],"style":"normal"},{"_key":"778ade774f2b","_type":"block","children":[{"_key":"e2b7ef4446f3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"fea49faf329a","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Pension carry forward"},"text":[{"_key":"c087fce67e17","_type":"block","children":[{"_key":"ed037c44af61","_type":"span","marks":[],"text":"Pension carry forward"}],"markDefs":[],"style":"h4"},{"_key":"e8a9c7db641c","_type":"block","children":[{"_key":"89c9d37aa8cd","_type":"span","marks":[],"text":"If you've used up all of your annual allowance, you may be able to carry over any of your allowance you didn't use up from the previous three tax years through a process called \"pension carry forward\". You can ask your pension providers for details of how much you saved into each scheme if they’ve not already sent them to you, or "},{"_key":"82e4d00bb643","_type":"span","marks":["4f3274463f7a"],"text":"use the GOV.UK's annual allowance calculator"},{"_key":"b6ddd401a910","_type":"span","marks":[],"text":" to check if your pension savings are more than your annual allowance and if you have any unused allowance to carry forward."}],"markDefs":[{"_key":"4f3274463f7a","_type":"internalLinkPick","blank":true,"reference":{"_ref":"76e458a7-bd09-4c22-a673-587b0dcfe6eb","_type":"reference"}}],"style":"normal"},{"_key":"3a3641d24309","_type":"block","children":[{"_key":"b25777b185c10","_type":"span","marks":[],"text":"‏‏‎ ‎"}],"markDefs":[],"style":"normal"}]},{"_key":"d30bc8baf9c8","_type":"block","children":[{"_key":"7a6a42d7710b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e22e35f719c7","_type":"block","children":[{"_key":"193a193ee48d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"da83ea6289a1","_type":"block","children":[{"_key":"bd34a1d07939","_type":"span","marks":[],"text":"The rules for the annual allowance are slightly different for higher earners due to something called the \"tapered annual allowance\" - more on this next."}],"markDefs":[],"style":"normal"},{"_key":"a0507441c59e","_type":"block","children":[{"_key":"10a5090d21ca","_type":"span","marks":[],"text":"Rules for the highest earners"}],"markDefs":[],"style":"h4"},{"_key":"a119508cded0","_type":"block","children":[{"_key":"23f295966bdc0","_type":"span","marks":[],"text":"If you’re a higher earner, your annual allowance may be less than this thanks to something called the 'tapered annual allowance', which can reduce your allowance to as low as just £10,000 depending on how much you earn. "}],"markDefs":[],"style":"normal"},{"_key":"df831d7c3ec1","_type":"block","children":[{"_key":"ad27e48c5fea","_type":"span","marks":[],"text":"The tapered annual allowance affects individuals whose:"}],"markDefs":[],"style":"normal"},{"_key":"2bf193ea29e0","_type":"block","children":[{"_key":"32148a15cad70","_type":"span","marks":[],"text":"‘threshold income’ is above £200,000 "},{"_key":"6e33ff443e3e","_type":"span","marks":["em"],"text":"and;"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4ad29e2a2bb7","_type":"block","children":[{"_key":"3720e998380b","_type":"span","marks":[],"text":"‘adjusted income’ is above £260,000"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"96b3ce2b1d5a","_type":"block","children":[{"_key":"dc38b0facec7","_type":"span","marks":[],"text":"Threshold income does not include your pension contributions, while adjusted income does."}],"markDefs":[],"style":"normal"},{"_key":"ae65a0c4eaa6","_type":"block","children":[{"_key":"419a0f39373b0","_type":"span","marks":[],"text":"Those who meet the criteria above will see their annual allowance gradually reduce by £1 for every £2 of ‘adjusted income’ above £260,000. For example, if your adjusted income was £270,000, your annual allowance would be reduced to £55,000. This is because, as you're £10,000 over the adjusted income threshold of £260,000, your annual allowance is reduced by £5,000 - taking it down to £55,000."}],"markDefs":[],"style":"normal"},{"_key":"834676a2335b","_type":"block","children":[{"_key":"7832ee5ff26b","_type":"span","marks":[],"text":"The tapering stops at £360,000, preserving a minimum of at least £10,000 for even the very highest earners."}],"markDefs":[],"style":"normal"},{"_key":"daaddabeb093","_type":"block","children":[{"_key":"35a1465ca04a0","_type":"span","marks":[],"text":"Until 5 April 2024, there had also previously been a lifetime pension allowance which was capped at just over £1 million. This has since been abolished to allow individuals to save more into their pension - as long as you stick to your relevant annual allowance for each tax year."}],"markDefs":[],"style":"normal"},{"_key":"159d4e71bb7e","_type":"block","children":[{"_key":"b0807c766c61","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1b31853e858e","_type":"block","children":[{"_key":"13ed06d5fd92","_type":"span","marks":[],"text":""},{"_key":"664c356d126c","_type":"mainAnchor","pageAnchor":{"_ref":"e87611f7-5f1e-4039-8a16-99b71d40b0de","_type":"reference"}},{"_key":"0d7ece435554","_type":"span","marks":[],"text":"What can I put in my personal pension?"}],"markDefs":[],"style":"h2"},{"_key":"e959c16f4109","_type":"block","children":[{"_key":"1dd576ced2530","_type":"span","marks":[],"text":"One of the main benefits of a SIPP is the amount of control it gives you over what to invest your retirement savings in. You can choose what you like! 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Different providers will have different combinations and ranges of investments to choose from. "}],"markDefs":[],"style":"normal"},{"_key":"6eb377a17d43","_type":"block","children":[{"_key":"136113527399","_type":"span","marks":[],"text":"For example, the exceedingly popular provider "},{"_key":"05d5d4a6eef3","_type":"span","marks":["237ddcfe1985"],"text":"Vanguard"},{"_key":"7c0fcf2bc4dc","_type":"span","marks":[],"text":" offers around 85 in-house funds and ETFs (but no access to individual shares), whereas "},{"_key":"60aa7db1920f","_type":"span","marks":["6c6bd0271ce8"],"text":"Fidelity"},{"_key":"85309ded4eef","_type":"span","marks":[],"text":" has a much wider range stretching into the thousands with a choice of funds, ETFs, investment trusts and shares. 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March 2024"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"51fb2868-138d-45a1-a564-8a52e7c7e169","_type":"reference"},"styles":"Grey-Transparent","title":"January - March 2024"},{"_key":"7ff7abb0980a1adacea22c4661cf10ab","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"f2dce3230156","_type":"block","children":[{"_key":"1bba6a46e5b30","_type":"span","marks":[],"text":"The average high risk portfolio in our content series returned 6.4% in Q1 and over 15% in the past 12 months."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-31524662b69f253053256c558bcc929d4ea7c14e-1920x1080-png","_type":"reference"}},"reference":{"_ref":"c82ae500-4449-4bd1-9f2f-1c941a401052","_type":"reference"},"title":"High Risk Q1 2024"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"3c4c50711c8f","_type":"block","children":[{"_key":"07676008c2db0","_type":"span","marks":[],"text":"The average medium risk portfolio returned 3.9% in the last quarter, with Q1 playing a successful part in the 10.3% average return we've seen for these ready-made solutions over the past 12 months."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-d35d333ed35196a4f9991d6e92dd856ab2cad2cc-1920x1080-png","_type":"reference"}},"reference":{"_ref":"dc79b195-eb82-4e4c-a4a3-ceafc9b96e66","_type":"reference"},"title":"Medium Risk Q1 2024"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"eda286d5a785","_type":"block","children":[{"_key":"8a70a5bded640","_type":"span","marks":[],"text":"The average return of low risk portfolios in Q1 was 1.3% - and 5.8% across the past 12 months - although average returns over a 2-year period are still negative overall with -0.5%."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-92b3842cd4ff86e1cf0d20b6ad6a748ccbb22cab-1920x1080-png","_type":"reference"}},"reference":{"_ref":"dfb6696f-f551-429f-a52f-8bb953084a82","_type":"reference"},"title":"Low Risk Q1 2024"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q1 2024","titleLineClamp":1},{"_key":"a0acc175336112a0a4f640e08c70dd28","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"October - December 2023"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"October - December 2023"},{"_key":"613b7c2f0810727533bc2f64047165ff","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"0d4f11e71a06","_type":"block","children":[{"_key":"3302b09be4990","_type":"span","marks":[],"text":"Performance of high risk portfolios in Q4 ranged from 4.9% to 7.4%. These portfolios will hold very high proportions of shares, and global stock markets typically posted strong gains in the last three months of 2023."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-ecf81965bb3c8cb142a832631a8f606b6ef0d891-8000x4500-png","_type":"reference"}},"reference":{"_ref":"aba48228-abcf-4733-b935-87a8435996b0","_type":"reference"},"title":"High Risk Q4 2023"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"28561ae4e205","_type":"block","children":[{"_key":"0102e69e8e520","_type":"span","marks":[],"text":"The top-performing medium risk portfolio across 2023 was Moneybox’s Balanced option, returning a chunky 12.2% for the year - of which 6.6% was clocked up in the last three months."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-110a6ff72817a772e5c5b08c3a5bc1ee592616cc-8000x4500-png","_type":"reference"}},"reference":{"_ref":"a1f2b394-0bd1-4b1a-9ad3-cead8d62a520","_type":"reference"},"title":"Medium Risk Q4 2023"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"ee8d09fdc454","_type":"block","children":[{"_key":"fa94048780cf0","_type":"span","marks":[],"text":"The adage for low risk portfolios in Q4 is that every dog has its day. Santander ready-made portfolios have a very high proportion of bonds, and their portfolios suffered in 2022 and 2023. However in Q4, it was precisely this allocation to these bonds which propelled the humble low risk portfolio, with just 17% in shares, to the top of the charts"}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-939b46171642f717df2e8f3ace8e65185896d40d-8000x4500-png","_type":"reference"}},"reference":{"_ref":"c62d0330-052c-4720-a351-9a8cd2041d0d","_type":"reference"},"title":"Low Risk Q4 2023"}],"equaliseHeight":false,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q4 2023","titleLineClamp":1},{"_key":"d842e622a75ff62bf410d4b9f1644dfa","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"July - September 2023"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"July - September 2023"},{"_key":"e8c7d3815a3fea71d8ecc62901e09c39","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"b4d701f68ffb","_type":"block","children":[{"_key":"352e54573394","_type":"span","marks":[],"text":"In general, global shares went down in Q3, after a promising first 6 months of 2023. Despite poorer performance over the last quarter, 2023 has been a much better year for shares than 2022. The average high risk portfolio in our content series has returned 7.4% across the past 12-months, compared to 0.04% in the past 24-months."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios in the third quarter for the high risk category","asset":{"_ref":"image-cfeaeebc07252915b1c3a796c1ca98b38ca5c39e-4000x2250-png","_type":"reference"}},"reference":{"_ref":"074163d4-e2ca-4551-a98d-9371b10a74f7","_type":"reference"},"title":"High Risk Q3 2023"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"f8252fe13171","_type":"block","children":[{"_key":"c73c5e4444a4","_type":"span","marks":[],"text":"The medium risk portfolios have lost an average of -5.5% over the past 2 years, with only AJ Bell's balanced fund posting a positive return over this timeframe. Interestingly, when looking over only the past 12-months instead, every portfolio has positive returns, which range from 2.9% - 7.5%. This is a more typical year and what we would expect for these mid-range portfolios which are a mix of shares and bonds."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios in the third quarter for the medium risk category","asset":{"_ref":"image-16c24679ec8a17a15bc894ae17de7eb5502a164d-4000x2250-png","_type":"reference"}},"reference":{"_ref":"5aba5cf7-dcb1-4105-9a53-aba00a65671f","_type":"reference"},"title":"Medium Risk Q3 2023"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"bc9569681a75","_type":"block","children":[{"_key":"39d991f1e22d","_type":"span","marks":[],"text":"Low risk portfolios have lost an average -9.2% in the past 2 years, which is over 16% lower than the average high risk portfolios in this content series. Say what?! If high negative returns from a 'low risk' investment over such a short timeframe feels bizarre to you - don't worry, it is. Research from Deutsche Bank suggests that 2022 had the worst combined total return for stocks and bonds, in an annual assessment that goes as far back as 1872!"}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios in the third quarter for the low risk category","asset":{"_ref":"image-2f2c4a877fbf746e8af5e68e3b125145623e6d61-4000x2250-png","_type":"reference"}},"reference":{"_ref":"97fc0c0e-a473-4bca-ab57-c7b1ad663cbd","_type":"reference"},"title":"Low Risk Q3 2023"}],"equaliseHeight":false,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q3 2023","titleLineClamp":1},{"_key":"d08ebc842e617860f73b692b3bcefcd1","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"April - June 2023"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"April - June 2023"},{"_key":"0feac38faee54b20838d7a7ba4497d34","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"0da228b17a65","_type":"block","children":[{"_key":"1a3109cfddb50","_type":"span","marks":[],"text":"Vanguard and AJ Bell have performed the best in this risk profile over the last 2 years, returning 6.9% and 6.6% respectively after all charges. At the other end of the scale, True Potential and Charles Stanley's portfolios struggled, with respective losses of 2.2% and 6.7% after charges."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performing ready made portfolio in the high risk category | Vanguard and AJ Bell","asset":{"_ref":"image-109711721a1384b2568fd19859765a9a1189fedf-1920x1080-png","_type":"reference"}},"reference":{"_ref":"aa5d92ca-8b25-4e96-bd38-8b8f1fce60fb","_type":"reference"},"title":"High Risk Q2 2023"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"8b110078251d","_type":"block","children":[{"_key":"af04e5684f460","_type":"span","marks":[],"text":"AJ Bell, Moneybox and HSBC have been the top performers here, whilst Nutmeg and Vanguard's LifeStrategy 40 have struggled. With around 40% in shares, we would expect solutions like Vanguard LifeStrategy 40 and Bestinvest’s Smart Cautious option to perform less strongly than others in this category with higher allocations to shares."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performer in medium risk investments funds category | AJ Bell, Moneybox and HSBC","asset":{"_ref":"image-905acd1a1338a121f48255d0f65f704fdb10e9af-1920x1080-png","_type":"reference"}},"reference":{"_ref":"b1f15cde-f1ff-42f6-ba5c-3274224b0a24","_type":"reference"},"title":"Medium Risk Q2 2023"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"9c55c2f305f0","_type":"block","children":[{"_key":"3018880fde570","_type":"span","marks":[],"text":"Amongst the low risk portfolios, Moneybox, AJ Bell and Charles Stanley have performed the best over the past 2 years, although they have posted losses 3.8%, 4.7% and 6.8% respectively. For context, the average low risk portfolio in our coverage returned -9.2%."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios the first quarter for low risk category | Moneybox, AJ Bell and Charles Stanley","asset":{"_ref":"image-8d46287c5069ac3e1f43b0e5b1bc18a3a0f3d82d-1920x1080-png","_type":"reference"}},"reference":{"_ref":"d2951da1-171b-4f93-9b7d-d60cef79b166","_type":"reference"},"title":"Low Risk Q2 2023"}],"equaliseHeight":false,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q2 2023","titleLineClamp":1},{"_key":"0ed5cc8086a1b7de65901f1598781f49","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"January - March 2023"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"January - March 2023"},{"_key":"d9797c1ba03070fa2e258a8fe08311af","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"645396b0bc39","_type":"block","children":[{"_key":"09893e79d0b40","_type":"span","marks":[],"text":"After a less-than-stellar year in 2022, ready-made portfolio results from Q1 2023 have been decidedly more positive. All of the high risk portfolios we track recorded growth between 1 January and 31 March. "}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performing ready made portfolio in the high risk category | AJ Bell ","asset":{"_ref":"image-89ad2e0dc65a371cc8a100a77d07499bdad5ca30-1920x1080-png","_type":"reference"}},"reference":{"_ref":"bcd850e6-2d4f-4418-ba97-919bb52b8e69","_type":"reference"},"title":"High Risk Q1 2023"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"7a7cf0f47a19","_type":"block","children":[{"_key":"576f41e3d9b10","_type":"span","marks":[],"text":"After disappointing results at times during 2022, ready-made portfolios have had a decidedly more positive time of it in Q1 2023. Every single one of the medium risk portfolios we track booked positive returns."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performer in medium risk investments funds category | AJ Bell ","asset":{"_ref":"image-2f014064122b6b9746382c3f94b08ca2623359d2-1920x1080-png","_type":"reference"}},"reference":{"_ref":"9a91e51a-6ddc-44de-a7bc-fa419c5298c6","_type":"reference"},"title":"Medium Risk Q1 2023"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"e74a1dcca941","_type":"block","children":[{"_key":"eed9369c0ebc0","_type":"span","marks":[],"text":"Following a less-than-stellar 2022, ready-made portfolio results from Q1 2023 have been decidedly more positive. Out of all of the low risk portfolios we track, only one booked negative growth between 1 January and 31 March."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios the first quarter for low risk category | Moneybox","asset":{"_ref":"image-0b90a63aeefb2d0cfb763d9058400416bb050c86-1920x1080-png","_type":"reference"}},"reference":{"_ref":"aa225021-17ea-43b9-b126-fb1bfa136cf9","_type":"reference"},"title":"Low Risk Q1 2023"}],"equaliseHeight":false,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q1 2023","titleLineClamp":1},{"_key":"5167c07001128e31fa3a741b9c74a159","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"October - December 2022"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"October - December 2022"},{"_key":"7f730c67ea73","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"6be66962b967","_type":"block","children":[{"_key":"51ece88606b5","_type":"span","marks":[],"text":"Mostly thanks to the poor performance of UK bonds, high risk ready-made portfolios recorded slightly higher returns in Q4 2022 than the medium and low-risk options."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performing ready made portfolio in the high risk category | AJ Bell ","asset":{"_ref":"image-ad17451030c1c6db8eae0fe89b37cb2bfaa62790-1920x1080-png","_type":"reference"}},"reference":{"_ref":"19dec4f2-01f1-40a2-a00e-adfc9b4a8ba3","_type":"reference"},"title":"High Risk Q4 2022"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"f5b530186c43","_type":"block","children":[{"_key":"ac871bb222d5","_type":"span","marks":[],"text":"With a typically higher weighting in bonds than the high risk options, medium risk ready-made portfolios recorded sore losses in 2022, posting average losses of 10.7% for the year. These options typically have a range of between 40% and 60% in shares."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performer in medium risk investments funds category | AJ Bell ","asset":{"_ref":"image-dd1487250f5817cf9517b2453131f4f435e449e4-1920x1080-png","_type":"reference"}},"reference":{"_ref":"456dd9c5-b9c9-4030-aae7-cfa59c221306","_type":"reference"},"title":"Medium Risk Q4 2022"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"648cb295e1a2","_type":"block","children":[{"_key":"0ac1debde4ba","_type":"span","marks":[],"text":"The greatest victim of the tumbling bond prices we saw towards the end of September in 2022, which hammered returns. Things then bounced back in the last three months of the year as a semblance of calm returned."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios December 2022 for low risk category | AJ Bell","asset":{"_ref":"image-3e5e732747008796aaf7da4a80b50da53d9d93d6-1920x1080-png","_type":"reference"}},"reference":{"_ref":"6ab63823-b9a6-45a3-8d4a-63208ca2796a","_type":"reference"},"title":"Low Risk Q4 2022"}],"equaliseHeight":false,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q4 2022 Performance ","titleLineClamp":1},{"_key":"34b073a44293","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"052beedb53fd","_type":"block","children":[{"_key":"8ab895a997db","_type":"span","marks":[],"text":"Frequently Asked Questions About Ready-Made Portfolios "}],"markDefs":[],"style":"h2"}],"styles":"White"},{"_key":"9c6017ccc234d88426fe453775e60df5","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"f4b743c6f82c","_type":"block","children":[{"_key":"869cdd21ac6d","_type":"span","marks":[],"text":"What is a ready-made portfolio?"}],"markDefs":[],"style":"h3"},{"_key":"17680e730542","_type":"block","children":[{"_key":"13b8664c44b6","_type":"span","marks":[],"text":"A "},{"_key":"28bbcaa9bb62","_type":"span","marks":["36a94d506313"],"text":"ready-made portfolio "},{"_key":"f934bc804e0e","_type":"span","marks":[],"text":"is a premade bundle of investments which provides a blend of bonds and shares in different proportions depending on your tolerance for risk. Lower risk ready-made portfolios tend to invest in more bonds (generally considered lower risk investments), whereas higher risk ready-made portfolios tend to invest in more shares (generally considered higher risk investments). Ready-made portfolios are a subtype of multi-asset funds and are offered by asset managers as well as robo advisers."}],"markDefs":[{"_key":"36a94d506313","_type":"internalLinkPick","blank":true,"reference":{"_ref":"f0dc7406-2a3d-4a0a-83ea-da6186aad28a","_type":"reference"}}],"style":"normal"}],"styles":"White"},{"_key":"fccc490e1dfb512e207ff61391e3ba77","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"22de14416fff","_type":"block","children":[{"_key":"32bc3618f329","_type":"span","marks":[],"text":"What was the best-performing high-risk portfolio in Q2 2026?"}],"markDefs":[],"style":"h3"},{"_key":"6702062ed684","_type":"block","children":[{"_key":"b747db51ee1d","_type":"span","marks":[],"text":"Aviva Multi-asset Plus V led with a 14.9% return for April–June 2026, narrowly ahead of Charles Stanley Multi Asset Adventurous (14.8%) and Hargreaves Lansdown Adventurous Managed (14.3%).\n"}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"e20ab891bf53c0b167a3fc9380e8848a","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"22de14416fff","_type":"block","children":[{"_key":"32bc3618f329","_type":"span","marks":[],"text":"What was the best-performing medium-risk portfolio in Q2 2026?"}],"markDefs":[],"style":"h3"},{"_key":"de33ba12ef6b","_type":"block","children":[{"_key":"fa6c93f8147d","_type":"span","marks":[],"text":"Wealthify Ambitious topped the medium-risk category for April–June 2026 with an 11.7% return, ahead of Barclays Growth (10.2%) and Charles Stanley Multi Asset Moderate (9.6%).\n\n"}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"aacfe11ee1451622224c8e6798e64135","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"22de14416fff","_type":"block","children":[{"_key":"32bc3618f329","_type":"span","marks":[],"text":"What was the best-performing low-risk portfolio in Q2 2026?"}],"markDefs":[],"style":"h3"},{"_key":"de33ba12ef6b","_type":"block","children":[{"_key":"734b85544de2","_type":"span","marks":[],"text":"Wealthify Tentative led low-risk portfolios in Q2 2026, returning 6.8%. Charles Stanley Multi Asset Cautious (5.8%) and Scottish Widows Managed Growth 2 (5.5%) followed close behind.\n\n"}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"c5b2de750484727bf5e7f354cdfe6214","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"99d946268a20","_type":"block","children":[{"_key":"8532780f1553","_type":"span","marks":[],"text":"How often is this performance data updated?"}],"markDefs":[],"style":"h3"},{"_key":"de33ba12ef6b","_type":"block","children":[{"_key":"b572c5def4a9","_type":"span","marks":[],"text":"Boring Money publishes this round-up every quarter, tracking returns across low, medium, and high-risk ready-made portfolios from providers including Aviva, Charles Stanley, Hargreaves Lansdown, Wealthify, AJ Bell, and Vanguard, so you can see how each has performed most recently.\n\n\n"}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"181d73c14cf5fb1d8562937b7ec7d786","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"44664a995d18","_type":"block","children":[{"_key":"7e3a03a75f54","_type":"span","marks":[],"text":"How are ready-made portfolios grouped by risk?"}],"markDefs":[],"style":"h3"},{"_key":"de33ba12ef6b","_type":"block","children":[{"_key":"f0330003461f","_type":"span","marks":[],"text":"Ready-made portfolios are split into three bands - low, medium, and high risk - based on how much of each is held in shares versus bonds and cash. 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Past performance isn't a guarantee of future returns.\n\n\n\n"}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"05977fae7e592b99cb7c74f837b5a112","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"70c8e232e6c3","_type":"block","children":[{"_key":"9c7c2606b873","_type":"span","marks":[],"text":"Which providers offer ready-made portfolios?"}],"markDefs":[],"style":"h3"},{"_key":"de33ba12ef6b","_type":"block","children":[{"_key":"fc421b068054","_type":"span","marks":[],"text":"Providers tracked by Boring Money include Aviva, Charles Stanley, Hargreaves Lansdown, Wealthify, AJ Bell, Vanguard, Barclays, Scottish Widows, Moneybox, Quilter Invest, Halifax, Bestinvest, and J.P. 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All opinions expressed in our analysis remain independent.\n\n"}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"6006014f62bd7585403bb1cadad71f3a","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"0c993a13be8c","_type":"block","children":[{"_key":"01a816de8bd1","_type":"span","marks":[],"text":"Where can I find more detail on ready-made portfolios?"}],"markDefs":[],"style":"h3"},{"_key":"de33ba12ef6b","_type":"block","children":[{"_key":"c6c5a2171d4f","_type":"span","marks":[],"text":"Boring Money publishes a dedicated "},{"_key":"8c631efc3eeb","_type":"span","marks":["a1e4bfdd22d0"],"text":"guide"},{"_key":"f8bf3b5ca761","_type":"span","marks":[],"text":" explaining how ready-made portfolios work, who they suit, and how to choose one, alongside this quarterly performance round-up comparing returns across providers and risk levels.\n\n\n\n\n"}],"markDefs":[{"_key":"a1e4bfdd22d0","_type":"internalLinkPick","blank":true,"reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"}],"styles":"White"},{"_key":"ef3331aae2168b1aa658b3b872c5d861","_type":"smallSpacerBlock","styles":"Blue"},{"_key":"f42c93ac5a43","_type":"heroSection","alignment":"Text Left","introPara":[{"_key":"779185ce9ad8","_type":"block","children":[{"_key":"e55fe3965b64","_type":"span","marks":[],"text":"What is a ready-made portfolio?"}],"markDefs":[],"style":"h2"},{"_key":"70214f55ef21","_type":"block","children":[{"_key":"8e40384b381e","_type":"span","marks":[],"text":"Ready-made portfolios are the investing equivalent of a ready meal. Quick, easy, all done for you. Discover more about these premade investment portfolios, including how they work and who they're good for, in our no-nonsense guide."}],"markDefs":[],"style":"normal"}],"linkText":"READ GUIDE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-7193a7d5b0dace716ec571390ff06983fb9fcd45-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"},"styles":"Half-Padding-Blue","title":"What is a ready-made portfolio?"},{"_key":"f78639064f90","_type":"smallSpacerBlock","styles":"Blue"}],"excerpt":[{"_key":"15f690eadec2","_type":"block","children":[{"_key":"7aef555c74bf","_type":"span","marks":[],"text":"Explore the best-performing ready-made investment portfolios with our quarterly round-up. Compare returns and risk levels to see how your investments are stacking up. Plus, delve into expert analysis on the market trends behind the numbers."}],"markDefs":[],"style":"normal"}],"publishedAt":"2026-08-11T14:51:45.112Z","slug":{"_type":"slug","current":"ready-made-solutions"},"subfolder":{"_ref":"898aefb3-376c-4738-ab71-6f9fc4cfb270","_type":"reference"},"theme":"Boring Money theme","title":"Top Performing Ready-Made Investments | Returns, Risk Levels & Market Analysis","id":"-35843912-cc31-5ff1-a951-b812a425fc5a","children":[],"parent":null}}],"style":"normal"},{"_key":"9d7b668936f0","_type":"block","children":[{"_key":"ca9cec0117b7","_type":"span","marks":[],"text":""},{"_key":"5cd5e1d68f45","_type":"mainAnchor","pageAnchor":{"_id":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"anchorCategory","_rev":"tUgkK4x2jCQXvq6Lz4b4gR","_createdAt":"2023-11-30T13:26:23Z","_updatedAt":"2026-08-21T09:40:19Z","AnchorName":"NAV","_system":{"base":{"id":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","rev":"ODNfCktAVb7SalDSehtwPa"}},"id":"-b3ad1f9b-f6b3-5caa-9a13-513a50e090fe","children":[],"parent":null}},{"_key":"e8fe8a7219dc","_type":"span","marks":[],"text":"Top questions on ready-made portfolios"}],"markDefs":[],"style":"h2"},{"_key":"e689c6ec2420","_type":"block","children":[{"_key":"cfac45cad209","_type":"span","marks":[],"text":"How much do ready-made portfolios cost?"}],"markDefs":[],"style":"h3"},{"_key":"bbdc8bc5795d","_type":"block","children":[{"_key":"176dd5566bb7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9d741607ffb8","_type":"textboxWidget","image":{"_type":"mainImage","alt":"💡 All-in fees are typically in the range of between 0.50 - 1% per year."},"text":[{"_key":"39e59e8b504d","_type":"block","children":[{"_key":"58347245920d","_type":"span","marks":[],"text":"💡"},{"_key":"2437b6c33d1a","_type":"span","marks":["strong"],"text":" All-in fees are typically in the range of between 0.50 - 1% per year."}],"markDefs":[],"style":"normal"}]},{"_key":"26004d4bc6ca","_type":"block","children":[{"_key":"cb896735a55b0","_type":"span","marks":[],"text":"The cost of investing in a ready-made portfolio depends on which one you choose and the provider that runs it. 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A ready-made portfolio does the heavy lifting for you - a professional builds and manages the mix, you just pick your risk level. 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You might see, for example, ready-made portfolios called ‘Cautious’ (low risk), ‘Balanced’ (medium risk) or ‘Adventurous’ (high risk). You may also come across alternative names like ‘Defensive’, ‘Conservative’ or ‘Growth’. 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All you have to do is arrange the initial investment and voilá, you’re an investor. This makes them a good choice for beginners who don’t want the fuss of setting up and running an account full of dozens of individual investments which need ongoing monitoring and rebalancing."}],"markDefs":[],"style":"normal"},{"_key":"6a969e94f629","_type":"block","children":[{"_key":"5334eedd8c57","_type":"span","marks":[],"text":""},{"_key":"f2fd9b9717c2","_type":"mainAnchor","pageAnchor":{"_ref":"181b9e36-bb26-4770-aa86-834fe4c3b071","_type":"reference"}},{"_key":"372ceb99d8ad","_type":"span","marks":[],"text":"✅ Managed by an expert"}],"markDefs":[],"style":"h3"},{"_key":"3271dc505d50","_type":"block","children":[{"_key":"797c7e847f86","_type":"span","marks":[],"text":"If you don’t feel confident about picking a ‘good’ investment from a ‘bad’ one, the fund manager for a ready-made portfolio does all the research and number-crunching for you. It’s less pressure on you and means your portfolio is likely to do better than if you managed it yourself (because you’ve got an expert making all the decisions, after all)."}],"markDefs":[],"style":"normal"},{"_key":"d61f42f71094","_type":"block","children":[{"_key":"e4871389a7bc","_type":"span","marks":[],"text":""},{"_key":"cb686d172848","_type":"mainAnchor","pageAnchor":{"_ref":"ae53200e-4c18-4516-9c27-7232613428f4","_type":"reference"}},{"_key":"f6aae1827928","_type":"span","marks":[],"text":"✅ Can pick your preferred risk level"}],"markDefs":[],"style":"h3"},{"_key":"9aefcdb6cc19","_type":"block","children":[{"_key":"92075c6f724d","_type":"span","marks":[],"text":"Many ready-made portfolios are ranked by their risk level (broadly speaking, how much exposure they have to shares vs less volatile assets like bonds). Descriptors like 'Cautious' or 'Ambitious' are frequently used, or sometimes expressed using visuals such as chilli peppers - not unlike the spice rating on a takeaway menu! This makes it easy to determine if the product suits your desired level of risk and saves you from having to wade through a text-heavy "},{"_key":"46f6bafa12ea","_type":"span","marks":["86b5358353ce"],"text":"KIID"},{"_key":"ff66e7784d1c","_type":"span","marks":[],"text":" to make the call yourself."}],"markDefs":[{"_key":"86b5358353ce","_type":"glossaryPick","reference":{"_ref":"9b1f4399-11e7-43f4-b6ea-8718b9895f89","_type":"reference"}}],"style":"normal"},{"_key":"18af28ab6fc7","_type":"block","children":[{"_key":"dfa3d56ab883","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4e5c6a6dd44e","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","alt":"Holly Mackay's opinion on ready-made portfolios","asset":{"_ref":"image-09007f04fb546b786000b2729947b6dfc2f690aa-606x438-jpg","_type":"reference"}},"quote":[{"_key":"a10fd11e337c","_type":"block","children":[{"_key":"5f814072bb9f","_type":"span","marks":[],"text":"Investing can feel easier once you get into the swing; the difficult bit is knowing where to start. After all, there are tens of thousands of investment options out there, offered by a growing number of investment platforms. I think ready-made portfolios can be a good starting point. These are off-the-peg portfolios and offered by most investment platforms. They are ideal for people who don't want to spend their time handpicking funds and learning the ins and outs. They don't require you to make any decisions about what to invest in. The only questions you'll need to answer are about how much risk you are willing to take on."}],"markDefs":[],"style":"normal"}]},{"_key":"d1c8ce807752","_type":"block","children":[{"_key":"529ab8a31dcc","_type":"span","marks":[],"text":""},{"_key":"db928b2e64b8","_type":"mainAnchor","pageAnchor":{"_ref":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"reference"}},{"_key":"c9fd2f6ab095","_type":"span","marks":[],"text":"What are the cons of ready-made portfolios?"}],"markDefs":[],"style":"h2"},{"_key":"1b2e2db3eae4","_type":"block","children":[{"_key":"4db14c105fff","_type":"span","marks":["strong"],"text":"The main drawbacks are limited investment choice, potentially higher costs through a robo-adviser and difficulty comparing performance across providers."}],"markDefs":[],"style":"normal"},{"_key":"9701fedd8172","_type":"block","children":[{"_key":"e19f4c941d4b","_type":"span","marks":[],"text":""},{"_key":"f652477a950f","_type":"mainAnchor","pageAnchor":{"_ref":"f7bfd443-0667-4ed8-a204-d14224f4feae","_type":"reference"}},{"_key":"badf8df9a789","_type":"span","marks":[],"text":"❌ Not enough choice"}],"markDefs":[],"style":"h3"},{"_key":"d8a15008fa5d","_type":"block","children":[{"_key":"d748871ab1a9","_type":"span","marks":[],"text":"If you’re a more experienced investor or someone who would prefer to have control over the ins and outs of their investments, a ready-made portfolio isn’t going to give you enough choice. All the decisions about what the portfolio is invested in, the proportion each element makes up of the whole and whether or not any adjustments are necessary are made for you – so if you want to be in total control, it’s not for you."}],"markDefs":[],"style":"normal"},{"_key":"00941053b8cf","_type":"block","children":[{"_key":"0be4f48a8010","_type":"span","marks":[],"text":""},{"_key":"48144685f283","_type":"mainAnchor","pageAnchor":{"_ref":"51c9ec3b-283f-439f-8475-964151d80f2b","_type":"reference"}},{"_key":"8969169c47b3","_type":"span","marks":[],"text":"❌ Can be expensive"}],"markDefs":[],"style":"h3"},{"_key":"d59831db12af","_type":"block","children":[{"_key":"d28e8fadda4e","_type":"span","marks":[],"text":"Ready-made portfolios can come with a higher price tag if you buy them through a"},{"_key":"2046e2f7789b","_type":"span","marks":["371b58d7b032"],"text":" robo adviser"},{"_key":"ea084cb7ca23","_type":"span","marks":[],"text":". This is because robo advisers typically offer a rebalancing service where your portfolio is continually monitored and adjusted using complex algorithms and AI designed to match your chosen level of investment risk (more on robo advisers and risk later). You’re essentially paying a bit extra for the convenience of not having to do this number-crunching – or the admin of manually tweaking your investments – yourself.  For some this isn’t worth it, but for others, some extra money every year for someone else to do the hard work is a sacrifice worth making. "}],"markDefs":[{"_key":"371b58d7b032","_type":"glossaryPick","reference":{"_ref":"a4f2c20d-3281-4d94-abdb-4a361ef45dab","_type":"reference"}}],"style":"normal"},{"_key":"7d9c5d5222b3","_type":"block","children":[{"_key":"976cd411fcf4","_type":"span","marks":[],"text":"Alternatively, ready-made portfolios cost the same amount on a standard investment platform as buying all the individual investments separately on the same platform. But for many investors, and particularly for beginners, if you’re happy with what a ready-made portfolio is investing in, it's usually easier to just buy it. Otherwise you're managing dozens of individual investments separately for the same end cost."}],"markDefs":[],"style":"normal"},{"_key":"714ff3fd4efc","_type":"block","children":[{"_key":"852b280917d7","_type":"span","marks":[],"text":""},{"_key":"04f08902b23a","_type":"mainAnchor","pageAnchor":{"_ref":"4c907ba2-4736-40b1-9cbc-d4a67ed183f2","_type":"reference"}},{"_key":"6ceeced9d06a","_type":"span","marks":[],"text":"❌ Hard to compare performance"}],"markDefs":[],"style":"h3"},{"_key":"f64b86f5afcd","_type":"block","children":[{"_key":"bd2f100d6f1b0","_type":"span","marks":[],"text":"There’s a large selection of ready-made portfolios on the market, all of which can invest in very different things in very different ways, which can make it difficult to compare how the one you’ve got is doing relative to similar ones. This could mean you end up sticking around in a portfolio which is underperforming simply because you’re not aware of its relative performance. "}],"markDefs":[],"style":"normal"},{"_key":"706f68ae82ac","_type":"block","children":[{"_key":"e18954c2940e","_type":"span","marks":[],"text":"Fortunately, we’ve got just fix for that - "},{"_key":"24db6d8b3e40","_type":"span","marks":["5e4ffac83d08"],"text":"click here"},{"_key":"9e947ac64466","_type":"span","marks":[],"text":" to see the latest performance results from the UK's top ready-made portfolio providers. "}],"markDefs":[{"_key":"5e4ffac83d08","_type":"internalLinkPick","reference":{"_ref":"9759ddeb-6a13-408b-9fb3-4b03280fa475","_type":"reference"}}],"style":"normal"},{"_key":"9d7b668936f0","_type":"block","children":[{"_key":"ca9cec0117b7","_type":"span","marks":[],"text":""},{"_key":"5cd5e1d68f45","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"e8fe8a7219dc","_type":"span","marks":[],"text":"Top questions on ready-made portfolios"}],"markDefs":[],"style":"h2"},{"_key":"e689c6ec2420","_type":"block","children":[{"_key":"cfac45cad209","_type":"span","marks":[],"text":"How much do ready-made portfolios cost?"}],"markDefs":[],"style":"h3"},{"_key":"bbdc8bc5795d","_type":"block","children":[{"_key":"176dd5566bb7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9d741607ffb8","_type":"textboxWidget","image":{"_type":"mainImage","alt":"💡 All-in fees are typically in the range of between 0.50 - 1% per year."},"text":[{"_key":"39e59e8b504d","_type":"block","children":[{"_key":"58347245920d","_type":"span","marks":[],"text":"💡"},{"_key":"2437b6c33d1a","_type":"span","marks":["strong"],"text":" All-in fees are typically in the range of between 0.50 - 1% per year."}],"markDefs":[],"style":"normal"}]},{"_key":"26004d4bc6ca","_type":"block","children":[{"_key":"cb896735a55b0","_type":"span","marks":[],"text":"The cost of investing in a ready-made portfolio depends on which one you choose and the provider that runs it. All-in fees are typically in the range of between 0.50 - 1% per year. "}],"markDefs":[],"style":"normal"},{"_key":"47000acf2489","_type":"block","children":[{"_key":"285e9351cfbe","_type":"span","marks":[],"text":"See how the Boring Money analysts rate the costs of ready-made solutions across different pricing scenarios below"}],"markDefs":[],"style":"normal"},{"_key":"ffa6948a3cec","_type":"frameWidget","href":"https://www.canva.com/design/DAHDdOoh13Q/PV58xgqF_Alg8RV94V6uWA/view?embed"},{"_key":"4dfb663757e4","_type":"block","children":[{"_key":"8bd12e398357","_type":"span","marks":["em"],"text":"Source: Boring Money Data, correct as at 01/03/2026"}],"markDefs":[],"style":"normal"},{"_key":"3b5ad8b04f10","_type":"block","children":[{"_key":"e39bc5ec0cea","_type":"span","marks":[],"text":"Ready-made portfolios bought from a robo-adviser are usually on the higher end of this scale. However, as we mentioned before, you’re effectively paying for the convenience of the robo adviser to select and monitor all the underlying investments for you on an ongoing basis. This means that the price is sometimes a bit higher, but there’s less effort required from you to regularly tweak and rebalance your portfolio by yourself."}],"markDefs":[],"style":"normal"},{"_key":"6eabbce8b1ce","_type":"block","children":[{"_key":"429b0608ca66","_type":"span","marks":[],"text":""},{"_key":"732c3e42c6b1","_type":"mainAnchor","pageAnchor":{"_ref":"282a43f9-0565-46fe-aa52-8a66a420d68a","_type":"reference"}},{"_key":"2cb08af59ddd","_type":"span","marks":[],"text":"What’s the difference between a multi-asset fund and a ready-made portfolio? "}],"markDefs":[],"style":"h3"},{"_key":"b0a88c6ba6cb","_type":"block","children":[{"_key":"057476df7b6c","_type":"span","marks":[],"text":"A multi-asset fund is a single fund that holds a variety of different assets. A "},{"_key":"31ab943afc9f","_type":"span","marks":["876aa3b004a1"],"text":"ready-made portfolio"},{"_key":"97a3916ed8cc","_type":"span","marks":[],"text":", on the other hand, is usually a bundle of different funds (often including multi-asset funds) prepared by an investment provider to match "}],"markDefs":[{"_key":"876aa3b004a1","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"242ee40ac74f","_type":"block","children":[{"_key":"51fdb12bddd7","_type":"span","marks":[],"text":"Think of the fund as one dish and the portfolio as the whole buffet."}],"markDefs":[],"style":"normal"},{"_key":"317c0d081502","_type":"block","children":[{"_key":"5772c15edf52","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9060d899741d","_type":"tableControl","rows":[{"_key":"7e51deb836d3","_type":"row","cells":[{"_key":"f79d114c10a9","_type":"cell","tableStyle":"DB","value":[{"_key":"db14d1ee515e","_type":"block","children":[{"_key":"f54fcb46e9ca","_type":"span","marks":["strong"],"text":"Multi-asset fund"}],"markDefs":[],"style":"normal"}]},{"_key":"ec9b259076b3","_type":"cell","tableStyle":"DB","value":[{"_key":"b8e4014834b2","_type":"block","children":[{"_key":"94bf261b4147","_type":"span","marks":["strong"],"text":"Ready-made portfolio"}],"markDefs":[],"style":"normal"}]}]},{"_key":"e7fbd6e6219c","_type":"row","cells":[{"_key":"86b27cce148b","_type":"cell","tableStyle":"W","value":[{"_key":"c2004c5b3b00","_type":"block","children":[{"_key":"53fbbf0726950","_type":"span","marks":[],"text":"A single fund that provides exposure to multiple assets within one product – for example, bonds, shares "},{"_key":"b8ea44672d72","_type":"span","marks":["em"],"text":"and "},{"_key":"2b6384c2e993","_type":"span","marks":[],"text":"commodities."}],"markDefs":[],"style":"normal"}]},{"_key":"210631dccfd3","_type":"cell","tableStyle":"W","value":[{"_key":"570b344f46cf","_type":"block","children":[{"_key":"3a526871864d0","_type":"span","marks":[],"text":"A type of multi-asset fund which provides a blend of bond and equity exposure depending on your tolerance for risk (more on this below)."}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB"},{"_key":"125dfe6fa1b2","_type":"block","children":[{"_key":"f9cdfa0bf2f7","_type":"span","marks":[],"text":""},{"_key":"ac1102b3e9b4","_type":"mainAnchor","pageAnchor":{"_ref":"949df85c-448c-42b2-96e9-1eba6b556a6a","_type":"reference"}},{"_key":"2c4c835751a20","_type":"span","marks":[],"text":"How do I know which risk level is right for me?"}],"markDefs":[],"style":"h3"},{"_key":"cb9b02161637","_type":"block","children":[{"_key":"22cb3bcee2c0","_type":"span","marks":["strong"],"text":"Risk tolerance mainly comes down to your investing timeframe - the longer you can leave your money invested, the more short-term risk you can typically afford to take."}],"markDefs":[],"style":"normal"},{"_key":"12f2937f6de7","_type":"block","children":[{"_key":"df5f6bb4c3ea0","_type":"span","marks":[],"text":"Deciding how much risk you’re willing to tolerate with your investments is ultimately a personal decision. It’s important however to understand what we really mean when we talk about investment ‘risk’ before you make a decision."}],"markDefs":[],"style":"normal"},{"_key":"921a38fb4d03","_type":"block","children":[{"_key":"bbb7b3c50de90","_type":"span","marks":[],"text":"It’s not the same as - let's say - gambling, skiing down the black run, or even driving on the motorway at 100 miles per hour. Investment risk is actually all about volatility and how much the stock market can fluctuate over a given period of time. If you're investing over 30 years, for example, the ups and downs of today don't matter as much because you’ve got plenty of time to make up for any poor performances. But if, on the other hand, you’re investing for only 5 years, your investments would have a lot less time to recover if markets took a dip. 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For those people investing with shorter time horizons - five years or so - or who don't have an appetite for alarming ups and downs, the low risk portfolios could be a good option. In theory, they should offer a smoother investment ride; they will make less over the long-term, but face less short-term volatility. Less than five years though and cash may be your best bet."}],"markDefs":[],"style":"normal"}]},{"_key":"82fedf2607f2","_type":"block","children":[{"_key":"8fd35a343b0f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2c835a525aea","_type":"block","children":[{"_key":"1ef87a462c1a0","_type":"span","marks":[],"text":"It’s also important to remember the very real risk of underestimating the impact of "},{"_key":"978d3055f439","_type":"span","marks":["1a8ada013d70"],"text":"inflation"},{"_key":"6d0cbd2e7e61","_type":"span","marks":[],"text":" on cash. Though it’s understandable to feel unsure and even nervous about investing your money, you could be locking yourself into losses if you leave your money in a current account or low interest savings account. Inflation will chew away at your pot over the longer-term and you could end up with savings that are worth considerably less than they were when you started. For example, if inflation is at 5% and you’re only earning 3% interest on your current account, then you’re actually losing 2% in real terms."}],"markDefs":[{"_key":"1a8ada013d70","_type":"glossaryPick","reference":{"_ref":"9d62b1af-7674-4f39-ba20-b0154d565241","_type":"reference"}}],"style":"normal"},{"_key":"7225e60d248d","_type":"block","children":[{"_key":"6b1ed8141a9d0","_type":"span","marks":[],"text":"For those aiming to save for five years or less, this is less of a concern, but the cumulative effect of inflation over periods longer than this could erode the value of your savings. 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You pick your risk level, and the experts handle the rest - from choosing the investments to managing them over time. Great for beginners, time-poor professionals, or anyone who wants to invest without becoming a part-time fund manager!"}],"markDefs":[],"style":"normal"},{"_key":"2837ea39eec8","_type":"block","children":[{"_key":"cb14a1d4ec74","_type":"span","marks":[],"text":"💰 Expert-managed, but can be pricey"}],"markDefs":[],"style":"h3"},{"_key":"16d2f465f1dc","_type":"block","children":[{"_key":"bf2e454055a8","_type":"span","marks":[],"text":"These portfolios typically charge all-in fees of 0.5% to 1% a year, which covers the cost of managing your investments. Robo advisers tend to sit at the higher end of that range, but you’re paying for automation, ongoing rebalancing, and a plug-and-play experience. 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There is also a small allocation to emerging markets which have performed particularly well since the de-escalation of the global tariff tension in April."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-6944b5f1a76b8c5f563e0f943629bcf547f7b987-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"ecee872d-9fe7-429c-8259-e2bffdc17b7d","_type":"reference"},"title":"Low Risk Q3 2025"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q3 2025"},{"_key":"31afd52e4c9849571aaa509666a4570b","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"fb2406949157","_type":"block","children":[{"_key":"3481c3d9372c","_type":"span","marks":[],"text":"April - June 2025"}],"markDefs":[],"style":"h2"}],"styles":"Grey-Transparent","title":"April - June 2025"},{"_key":"7dac128a982d4b839efa5fa0bf91c008","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"e8602f95d323","_type":"block","children":[{"_key":"42e212ae4269","_type":"span","marks":[],"text":"Despite the chaos and political uncertainty, high risk portfolios performed strongly over Q2, with an average return of 4.7%. Charles Stanley, Aviva, and HL all grew by over 5%, whilst Halifax - the lowest performer over the quarter - still returned a healthy 3.5%"}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-93806b67a04376bc9ec70cf38fd834a2ccbd9168-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"eae3c16c-81cf-456d-a9c3-d2ab604b6233","_type":"reference"},"title":"High Risk Q2 2025"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"db73ed8f30b3","_type":"block","children":[{"_key":"63f2cb8cc908","_type":"span","marks":[],"text":"The average medium risk portfolio returned 3.4% in Q2, with an overall range spanning from 2.6% - 4.2%. Charles Stanley was the only provider to surpass the 4% mark. Its Moderate solution has roughly 55% of its assets in equities, and close to 40% in bonds."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-327316e8e5c29220e54f5595e97b129b9efce830-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"2a831602-06c6-4a7c-9645-223c5c928d10","_type":"reference"},"title":"Medium Risk Q2 2025"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"2a471b2ed012","_type":"block","children":[{"_key":"29db30a86c5d","_type":"span","marks":[],"text":"The average low risk portfolio returned 2.1% in Q2, posting a range of returns from 0.4% - 3.1%. Over half the providers exceeded the 2% mark, with Charles Stanley the only provider to return more than 3% this quarter. Aviva was the standout over the 1-year period."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-46812bbe5749779730ec49b097bcb1aaed295fad-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"438392ea-c744-4e24-8103-b400107fe951","_type":"reference"},"title":"Low Risk Q2 2025"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q2 2025","titleLineClamp":1},{"_key":"af84e266d6a3cd362216d935ae727fcc","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"fb2406949157","_type":"block","children":[{"_key":"3481c3d9372c","_type":"span","marks":[],"text":"January - March 2025"}],"markDefs":[],"style":"h2"}],"styles":"Grey-Transparent","title":"January - March 2025"},{"_key":"79f5def24cc8357a1bffbdad2dbc57ae","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"12b03384830d","_type":"block","children":[{"_key":"c4ea6a7fc38b","_type":"span","marks":[],"text":"The average high risk portfolio in this content series returned -3.1% over Q1, with all providers showing negative performance over the period. AJ Bell did the best, with a loss of -0.3%, whilst Aviva and Moneybox had the weakest quarterly performance in this category with returns below -5%."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-1dda7eeae114a6308b976753d18d472e626a93e1-1920x1080-jpg","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"a3e6c038-2ea1-41a5-b79b-0c9cf647655f","_type":"reference"},"title":"High Risk Q1 2025"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"febdbb5a6cf5","_type":"block","children":[{"_key":"1952f7cfed8b","_type":"span","marks":[],"text":"The average medium risk portfolio returned -1.2% in Q1, with Bestinvest being the standout performer over this period and the only provider to not register negative growth after fees. Bestinvest are also the best performer over the last year, returning 4.7%, in comparison to the average of 3.4%."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-46c52387fbae4a1f2aa9e33c32685e82e74df4e5-1920x1080-jpg","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"11d4faf8-9ab9-44d4-a54f-bdd255dfbe00","_type":"reference"},"title":"Medium Risk Q1 2025"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"78405ee0869f","_type":"block","children":[{"_key":"b475c204417c","_type":"span","marks":[],"text":"The average low risk portfolio returned -0.1% in Q1. There was a range of 1.5% between the top and bottom in this category, with Aviva (0.6%) and Halifax (0.4%) performing the best, whilst AJ Bell (-0.7%) and Moneybox (-0.9%) were at the bottom."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-6498bdb732a85065800c28708701f7391abeac60-1920x1080-jpg","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"cd669ab1-c80b-4d7f-837f-e1404be6d0f3","_type":"reference"},"title":"Low Risk Q1 2025"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q1 2025","titleLineClamp":1},{"_key":"45d6ed5169e9c3a2c1a8e598c4bb4ca9","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"October - December 2024"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"d4fb6348-4551-425f-99c8-c5ffc85c74f3","_type":"reference"},"styles":"Grey-Transparent","title":"October - 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and 5.8% across the past 12 months - although average returns over a 2-year period are still negative overall with -0.5%."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-92b3842cd4ff86e1cf0d20b6ad6a748ccbb22cab-1920x1080-png","_type":"reference"}},"reference":{"_ref":"dfb6696f-f551-429f-a52f-8bb953084a82","_type":"reference"},"title":"Low Risk Q1 2024"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q1 2024","titleLineClamp":1},{"_key":"a0acc175336112a0a4f640e08c70dd28","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"October - December 2023"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"October - December 2023"},{"_key":"613b7c2f0810727533bc2f64047165ff","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"0d4f11e71a06","_type":"block","children":[{"_key":"3302b09be4990","_type":"span","marks":[],"text":"Performance of high risk portfolios in Q4 ranged from 4.9% to 7.4%. These portfolios will hold very high proportions of shares, and global stock markets typically posted strong gains in the last three months of 2023."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-ecf81965bb3c8cb142a832631a8f606b6ef0d891-8000x4500-png","_type":"reference"}},"reference":{"_ref":"aba48228-abcf-4733-b935-87a8435996b0","_type":"reference"},"title":"High Risk Q4 2023"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"28561ae4e205","_type":"block","children":[{"_key":"0102e69e8e520","_type":"span","marks":[],"text":"The top-performing medium risk portfolio across 2023 was Moneybox’s Balanced option, returning a chunky 12.2% for the year - of which 6.6% was clocked up in the last three months."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-110a6ff72817a772e5c5b08c3a5bc1ee592616cc-8000x4500-png","_type":"reference"}},"reference":{"_ref":"a1f2b394-0bd1-4b1a-9ad3-cead8d62a520","_type":"reference"},"title":"Medium Risk Q4 2023"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"ee8d09fdc454","_type":"block","children":[{"_key":"fa94048780cf0","_type":"span","marks":[],"text":"The adage for low risk portfolios in Q4 is that every dog has its day. Santander ready-made portfolios have a very high proportion of bonds, and their portfolios suffered in 2022 and 2023. However in Q4, it was precisely this allocation to these bonds which propelled the humble low risk portfolio, with just 17% in shares, to the top of the charts"}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-939b46171642f717df2e8f3ace8e65185896d40d-8000x4500-png","_type":"reference"}},"reference":{"_ref":"c62d0330-052c-4720-a351-9a8cd2041d0d","_type":"reference"},"title":"Low Risk Q4 2023"}],"equaliseHeight":false,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q4 2023","titleLineClamp":1},{"_key":"d842e622a75ff62bf410d4b9f1644dfa","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"July - September 2023"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"July - September 2023"},{"_key":"e8c7d3815a3fea71d8ecc62901e09c39","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"b4d701f68ffb","_type":"block","children":[{"_key":"352e54573394","_type":"span","marks":[],"text":"In general, global shares went down in Q3, after a promising first 6 months of 2023. Despite poorer performance over the last quarter, 2023 has been a much better year for shares than 2022. The average high risk portfolio in our content series has returned 7.4% across the past 12-months, compared to 0.04% in the past 24-months."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios in the third quarter for the high risk category","asset":{"_ref":"image-cfeaeebc07252915b1c3a796c1ca98b38ca5c39e-4000x2250-png","_type":"reference"}},"reference":{"_ref":"074163d4-e2ca-4551-a98d-9371b10a74f7","_type":"reference"},"title":"High Risk Q3 2023"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"f8252fe13171","_type":"block","children":[{"_key":"c73c5e4444a4","_type":"span","marks":[],"text":"The medium risk portfolios have lost an average of -5.5% over the past 2 years, with only AJ Bell's balanced fund posting a positive return over this timeframe. Interestingly, when looking over only the past 12-months instead, every portfolio has positive returns, which range from 2.9% - 7.5%. This is a more typical year and what we would expect for these mid-range portfolios which are a mix of shares and bonds."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios in the third quarter for the medium risk category","asset":{"_ref":"image-16c24679ec8a17a15bc894ae17de7eb5502a164d-4000x2250-png","_type":"reference"}},"reference":{"_ref":"5aba5cf7-dcb1-4105-9a53-aba00a65671f","_type":"reference"},"title":"Medium Risk Q3 2023"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"bc9569681a75","_type":"block","children":[{"_key":"39d991f1e22d","_type":"span","marks":[],"text":"Low risk portfolios have lost an average -9.2% in the past 2 years, which is over 16% lower than the average high risk portfolios in this content series. Say what?! If high negative returns from a 'low risk' investment over such a short timeframe feels bizarre to you - don't worry, it is. Research from Deutsche Bank suggests that 2022 had the worst combined total return for stocks and bonds, in an annual assessment that goes as far back as 1872!"}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios in the third quarter for the low risk category","asset":{"_ref":"image-2f2c4a877fbf746e8af5e68e3b125145623e6d61-4000x2250-png","_type":"reference"}},"reference":{"_ref":"97fc0c0e-a473-4bca-ab57-c7b1ad663cbd","_type":"reference"},"title":"Low Risk Q3 2023"}],"equaliseHeight":false,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q3 2023","titleLineClamp":1},{"_key":"d08ebc842e617860f73b692b3bcefcd1","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"April - June 2023"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"April - June 2023"},{"_key":"0feac38faee54b20838d7a7ba4497d34","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"0da228b17a65","_type":"block","children":[{"_key":"1a3109cfddb50","_type":"span","marks":[],"text":"Vanguard and AJ Bell have performed the best in this risk profile over the last 2 years, returning 6.9% and 6.6% respectively after all charges. At the other end of the scale, True Potential and Charles Stanley's portfolios struggled, with respective losses of 2.2% and 6.7% after charges."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performing ready made portfolio in the high risk category | Vanguard and AJ Bell","asset":{"_ref":"image-109711721a1384b2568fd19859765a9a1189fedf-1920x1080-png","_type":"reference"}},"reference":{"_ref":"aa5d92ca-8b25-4e96-bd38-8b8f1fce60fb","_type":"reference"},"title":"High Risk Q2 2023"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"8b110078251d","_type":"block","children":[{"_key":"af04e5684f460","_type":"span","marks":[],"text":"AJ Bell, Moneybox and HSBC have been the top performers here, whilst Nutmeg and Vanguard's LifeStrategy 40 have struggled. With around 40% in shares, we would expect solutions like Vanguard LifeStrategy 40 and Bestinvest’s Smart Cautious option to perform less strongly than others in this category with higher allocations to shares."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performer in medium risk investments funds category | AJ Bell, Moneybox and HSBC","asset":{"_ref":"image-905acd1a1338a121f48255d0f65f704fdb10e9af-1920x1080-png","_type":"reference"}},"reference":{"_ref":"b1f15cde-f1ff-42f6-ba5c-3274224b0a24","_type":"reference"},"title":"Medium Risk Q2 2023"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"9c55c2f305f0","_type":"block","children":[{"_key":"3018880fde570","_type":"span","marks":[],"text":"Amongst the low risk portfolios, Moneybox, AJ Bell and Charles Stanley have performed the best over the past 2 years, although they have posted losses 3.8%, 4.7% and 6.8% respectively. For context, the average low risk portfolio in our coverage returned -9.2%."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios the first quarter for low risk category | Moneybox, AJ Bell and Charles Stanley","asset":{"_ref":"image-8d46287c5069ac3e1f43b0e5b1bc18a3a0f3d82d-1920x1080-png","_type":"reference"}},"reference":{"_ref":"d2951da1-171b-4f93-9b7d-d60cef79b166","_type":"reference"},"title":"Low Risk Q2 2023"}],"equaliseHeight":false,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q2 2023","titleLineClamp":1},{"_key":"0ed5cc8086a1b7de65901f1598781f49","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"January - March 2023"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"January - March 2023"},{"_key":"d9797c1ba03070fa2e258a8fe08311af","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"645396b0bc39","_type":"block","children":[{"_key":"09893e79d0b40","_type":"span","marks":[],"text":"After a less-than-stellar year in 2022, ready-made portfolio results from Q1 2023 have been decidedly more positive. All of the high risk portfolios we track recorded growth between 1 January and 31 March. "}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performing ready made portfolio in the high risk category | AJ Bell ","asset":{"_ref":"image-89ad2e0dc65a371cc8a100a77d07499bdad5ca30-1920x1080-png","_type":"reference"}},"reference":{"_ref":"bcd850e6-2d4f-4418-ba97-919bb52b8e69","_type":"reference"},"title":"High Risk Q1 2023"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"7a7cf0f47a19","_type":"block","children":[{"_key":"576f41e3d9b10","_type":"span","marks":[],"text":"After disappointing results at times during 2022, ready-made portfolios have had a decidedly more positive time of it in Q1 2023. Every single one of the medium risk portfolios we track booked positive returns."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performer in medium risk investments funds category | AJ Bell ","asset":{"_ref":"image-2f014064122b6b9746382c3f94b08ca2623359d2-1920x1080-png","_type":"reference"}},"reference":{"_ref":"9a91e51a-6ddc-44de-a7bc-fa419c5298c6","_type":"reference"},"title":"Medium Risk Q1 2023"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"e74a1dcca941","_type":"block","children":[{"_key":"eed9369c0ebc0","_type":"span","marks":[],"text":"Following a less-than-stellar 2022, ready-made portfolio results from Q1 2023 have been decidedly more positive. Out of all of the low risk portfolios we track, only one booked negative growth between 1 January and 31 March."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios the first quarter for low risk category | Moneybox","asset":{"_ref":"image-0b90a63aeefb2d0cfb763d9058400416bb050c86-1920x1080-png","_type":"reference"}},"reference":{"_ref":"aa225021-17ea-43b9-b126-fb1bfa136cf9","_type":"reference"},"title":"Low Risk Q1 2023"}],"equaliseHeight":false,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q1 2023","titleLineClamp":1},{"_key":"5167c07001128e31fa3a741b9c74a159","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"October - December 2022"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"October - December 2022"},{"_key":"7f730c67ea73","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"6be66962b967","_type":"block","children":[{"_key":"51ece88606b5","_type":"span","marks":[],"text":"Mostly thanks to the poor performance of UK bonds, high risk ready-made portfolios recorded slightly higher returns in Q4 2022 than the medium and low-risk options."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performing ready made portfolio in the high risk category | AJ Bell ","asset":{"_ref":"image-ad17451030c1c6db8eae0fe89b37cb2bfaa62790-1920x1080-png","_type":"reference"}},"reference":{"_ref":"19dec4f2-01f1-40a2-a00e-adfc9b4a8ba3","_type":"reference"},"title":"High Risk Q4 2022"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"f5b530186c43","_type":"block","children":[{"_key":"ac871bb222d5","_type":"span","marks":[],"text":"With a typically higher weighting in bonds than the high risk options, medium risk ready-made portfolios recorded sore losses in 2022, posting average losses of 10.7% for the year. These options typically have a range of between 40% and 60% in shares."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performer in medium risk investments funds category | AJ Bell ","asset":{"_ref":"image-dd1487250f5817cf9517b2453131f4f435e449e4-1920x1080-png","_type":"reference"}},"reference":{"_ref":"456dd9c5-b9c9-4030-aae7-cfa59c221306","_type":"reference"},"title":"Medium Risk Q4 2022"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"648cb295e1a2","_type":"block","children":[{"_key":"0ac1debde4ba","_type":"span","marks":[],"text":"The greatest victim of the tumbling bond prices we saw towards the end of September in 2022, which hammered returns. Things then bounced back in the last three months of the year as a semblance of calm returned."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios December 2022 for low risk category | AJ Bell","asset":{"_ref":"image-3e5e732747008796aaf7da4a80b50da53d9d93d6-1920x1080-png","_type":"reference"}},"reference":{"_ref":"6ab63823-b9a6-45a3-8d4a-63208ca2796a","_type":"reference"},"title":"Low Risk Q4 2022"}],"equaliseHeight":false,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q4 2022 Performance ","titleLineClamp":1},{"_key":"34b073a44293","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"052beedb53fd","_type":"block","children":[{"_key":"8ab895a997db","_type":"span","marks":[],"text":"Frequently Asked Questions About Ready-Made Portfolios "}],"markDefs":[],"style":"h2"}],"styles":"White"},{"_key":"9c6017ccc234d88426fe453775e60df5","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"f4b743c6f82c","_type":"block","children":[{"_key":"869cdd21ac6d","_type":"span","marks":[],"text":"What is a ready-made portfolio?"}],"markDefs":[],"style":"h3"},{"_key":"17680e730542","_type":"block","children":[{"_key":"13b8664c44b6","_type":"span","marks":[],"text":"A "},{"_key":"28bbcaa9bb62","_type":"span","marks":["36a94d506313"],"text":"ready-made portfolio "},{"_key":"f934bc804e0e","_type":"span","marks":[],"text":"is a premade bundle of investments which provides a blend of bonds and shares in different proportions depending on your tolerance for risk. Lower risk ready-made portfolios tend to invest in more bonds (generally considered lower risk investments), whereas higher risk ready-made portfolios tend to invest in more shares (generally considered higher risk investments). Ready-made portfolios are a subtype of multi-asset funds and are offered by asset managers as well as robo advisers."}],"markDefs":[{"_key":"36a94d506313","_type":"internalLinkPick","blank":true,"reference":{"_ref":"f0dc7406-2a3d-4a0a-83ea-da6186aad28a","_type":"reference"}}],"style":"normal"}],"styles":"White"},{"_key":"fccc490e1dfb512e207ff61391e3ba77","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"22de14416fff","_type":"block","children":[{"_key":"32bc3618f329","_type":"span","marks":[],"text":"What was the best-performing high-risk portfolio in Q2 2026?"}],"markDefs":[],"style":"h3"},{"_key":"6702062ed684","_type":"block","children":[{"_key":"b747db51ee1d","_type":"span","marks":[],"text":"Aviva Multi-asset Plus V led with a 14.9% return for April–June 2026, narrowly ahead of Charles Stanley Multi Asset Adventurous (14.8%) and Hargreaves Lansdown Adventurous Managed (14.3%).\n"}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"e20ab891bf53c0b167a3fc9380e8848a","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"22de14416fff","_type":"block","children":[{"_key":"32bc3618f329","_type":"span","marks":[],"text":"What was the best-performing medium-risk portfolio in Q2 2026?"}],"markDefs":[],"style":"h3"},{"_key":"de33ba12ef6b","_type":"block","children":[{"_key":"fa6c93f8147d","_type":"span","marks":[],"text":"Wealthify Ambitious topped the medium-risk category for April–June 2026 with an 11.7% return, ahead of Barclays Growth (10.2%) and Charles Stanley Multi Asset Moderate (9.6%).\n\n"}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"aacfe11ee1451622224c8e6798e64135","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"22de14416fff","_type":"block","children":[{"_key":"32bc3618f329","_type":"span","marks":[],"text":"What was the best-performing low-risk portfolio in Q2 2026?"}],"markDefs":[],"style":"h3"},{"_key":"de33ba12ef6b","_type":"block","children":[{"_key":"734b85544de2","_type":"span","marks":[],"text":"Wealthify Tentative led low-risk portfolios in Q2 2026, returning 6.8%. Charles Stanley Multi Asset Cautious (5.8%) and Scottish Widows Managed Growth 2 (5.5%) followed close behind.\n\n"}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"c5b2de750484727bf5e7f354cdfe6214","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"99d946268a20","_type":"block","children":[{"_key":"8532780f1553","_type":"span","marks":[],"text":"How often is this performance data updated?"}],"markDefs":[],"style":"h3"},{"_key":"de33ba12ef6b","_type":"block","children":[{"_key":"b572c5def4a9","_type":"span","marks":[],"text":"Boring Money publishes this round-up every quarter, tracking returns across low, medium, and high-risk ready-made portfolios from providers including Aviva, Charles Stanley, Hargreaves Lansdown, Wealthify, AJ Bell, and Vanguard, so you can see how each has performed most recently.\n\n\n"}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"181d73c14cf5fb1d8562937b7ec7d786","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"44664a995d18","_type":"block","children":[{"_key":"7e3a03a75f54","_type":"span","marks":[],"text":"How are ready-made portfolios grouped by risk?"}],"markDefs":[],"style":"h3"},{"_key":"de33ba12ef6b","_type":"block","children":[{"_key":"f0330003461f","_type":"span","marks":[],"text":"Ready-made portfolios are split into three bands - low, medium, and high risk - based on how much of each is held in shares versus bonds and cash. Higher-risk portfolios hold more shares and tend to see bigger swings in returns, both up and down.\n\n\n"}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"41e6899215fd12b42cc0caeb36d7ddc8","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"143e216bb411","_type":"block","children":[{"_key":"b982eaee4bd8","_type":"span","marks":[],"text":"Do ready-made portfolios always make money?"}],"markDefs":[],"style":"h3"},{"_key":"de33ba12ef6b","_type":"block","children":[{"_key":"370a0714ac9d","_type":"span","marks":[],"text":"No. Returns vary quarter to quarter and can be negative, particularly in higher-risk portfolios. Several high-risk portfolios, for example, posted losses in Q1 2026 before rebounding in Q2. Past performance isn't a guarantee of future returns.\n\n\n\n"}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"05977fae7e592b99cb7c74f837b5a112","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"70c8e232e6c3","_type":"block","children":[{"_key":"9c7c2606b873","_type":"span","marks":[],"text":"Which providers offer ready-made portfolios?"}],"markDefs":[],"style":"h3"},{"_key":"de33ba12ef6b","_type":"block","children":[{"_key":"fc421b068054","_type":"span","marks":[],"text":"Providers tracked by Boring Money include Aviva, Charles Stanley, Hargreaves Lansdown, Wealthify, AJ Bell, Vanguard, Barclays, Scottish Widows, Moneybox, Quilter Invest, Halifax, Bestinvest, and J.P. Morgan, spanning low, medium, and high-risk options.\n\n\n\n"}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"9b15976714ce2ad395a8661ece8e1ba3","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"d63aa2a0c924","_type":"block","children":[{"_key":"e61a5b5b48dd","_type":"span","marks":[],"text":"Is Boring Money paid by the providers it reviews?"}],"markDefs":[],"style":"h3"},{"_key":"de33ba12ef6b","_type":"block","children":[{"_key":"9603b0d7ff04","_type":"span","marks":[],"text":"Boring Money includes providers who want to be featured in our comparison tables. However, our reviews and performance data are not influenced by these sponsorships, as they are for marketing purposes only. All opinions expressed in our analysis remain independent.\n\n"}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"6006014f62bd7585403bb1cadad71f3a","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"0c993a13be8c","_type":"block","children":[{"_key":"01a816de8bd1","_type":"span","marks":[],"text":"Where can I find more detail on ready-made portfolios?"}],"markDefs":[],"style":"h3"},{"_key":"de33ba12ef6b","_type":"block","children":[{"_key":"c6c5a2171d4f","_type":"span","marks":[],"text":"Boring Money publishes a dedicated "},{"_key":"8c631efc3eeb","_type":"span","marks":["a1e4bfdd22d0"],"text":"guide"},{"_key":"f8bf3b5ca761","_type":"span","marks":[],"text":" explaining how ready-made portfolios work, who they suit, and how to choose one, alongside this quarterly performance round-up comparing returns across providers and risk levels.\n\n\n\n\n"}],"markDefs":[{"_key":"a1e4bfdd22d0","_type":"internalLinkPick","blank":true,"reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"}],"styles":"White"},{"_key":"ef3331aae2168b1aa658b3b872c5d861","_type":"smallSpacerBlock","styles":"Blue"},{"_key":"f42c93ac5a43","_type":"heroSection","alignment":"Text Left","introPara":[{"_key":"779185ce9ad8","_type":"block","children":[{"_key":"e55fe3965b64","_type":"span","marks":[],"text":"What is a ready-made portfolio?"}],"markDefs":[],"style":"h2"},{"_key":"70214f55ef21","_type":"block","children":[{"_key":"8e40384b381e","_type":"span","marks":[],"text":"Ready-made portfolios are the investing equivalent of a ready meal. Quick, easy, all done for you. Discover more about these premade investment portfolios, including how they work and who they're good for, in our no-nonsense guide."}],"markDefs":[],"style":"normal"}],"linkText":"READ GUIDE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-7193a7d5b0dace716ec571390ff06983fb9fcd45-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"},"styles":"Half-Padding-Blue","title":"What is a ready-made portfolio?"},{"_key":"f78639064f90","_type":"smallSpacerBlock","styles":"Blue"}],"excerpt":[{"_key":"15f690eadec2","_type":"block","children":[{"_key":"7aef555c74bf","_type":"span","marks":[],"text":"Explore the best-performing ready-made investment portfolios with our quarterly round-up. Compare returns and risk levels to see how your investments are stacking up. Plus, delve into expert analysis on the market trends behind the numbers."}],"markDefs":[],"style":"normal"}],"publishedAt":"2026-08-11T14:51:45.112Z","slug":{"_type":"slug","current":"ready-made-solutions"},"subfolder":{"_id":"898aefb3-376c-4738-ab71-6f9fc4cfb270","_type":"folderCategory","_rev":"FTUzEP6MnPHV3XFUudHp41","_createdAt":"2023-11-09T09:11:07Z","_updatedAt":"2023-11-09T09:11:07Z","description":"Performance articles.","folder":"/performance/","id":"-da5e5c42-7a32-5823-84ba-785cf388480f","children":[],"parent":null},"theme":"Boring Money theme","title":"Top Performing Ready-Made Investments | Returns, Risk Levels & Market Analysis","id":"-35843912-cc31-5ff1-a951-b812a425fc5a","children":[],"parent":null},"text":"FIND OUT"},{"_key":"ed5da9f65afb","_type":"block","children":[{"_key":"d0aa18f39872","_type":"span","marks":[],"text":""},{"_key":"277ae555cb84","_type":"mainAnchor","pageAnchor":{"_id":"34b1353a-e3e4-4949-a55d-dde0ba144f90","_type":"anchorCategory","_rev":"r506ORX06Z9TVnQN3sse22","_createdAt":"2024-03-07T09:17:36Z","_updatedAt":"2026-08-21T09:40:34Z","AnchorName":"gearing","_system":{"base":{"id":"34b1353a-e3e4-4949-a55d-dde0ba144f90","rev":"IgvxsOCj1ZRXjXVSGELQQa"}},"id":"-5ff2e7dd-718e-5dc4-8eb8-f6343046ff5e","children":[],"parent":null}},{"_key":"0441b2b13bbb","_type":"span","marks":[],"text":"What are the key takeaways on ready-made portfolios"}],"markDefs":[],"style":"h2"},{"_key":"deeebad0ba26","_type":"block","children":[{"_key":"fdb4d928dfeb","_type":"span","marks":[],"text":"😎 A low-effort way to start investing"}],"markDefs":[],"style":"h3"},{"_key":"7acdc16f2faa","_type":"block","children":[{"_key":"10eef124c10b","_type":"span","marks":[],"text":"Ready-made portfolios take the faff out of investing. You pick your risk level, and the experts handle the rest - from choosing the investments to managing them over time. Great for beginners, time-poor professionals, or anyone who wants to invest without becoming a part-time fund manager!"}],"markDefs":[],"style":"normal"},{"_key":"2837ea39eec8","_type":"block","children":[{"_key":"cb14a1d4ec74","_type":"span","marks":[],"text":"💰 Expert-managed, but can be pricey"}],"markDefs":[],"style":"h3"},{"_key":"16d2f465f1dc","_type":"block","children":[{"_key":"bf2e454055a8","_type":"span","marks":[],"text":"These portfolios typically charge all-in fees of 0.5% to 1% a year, which covers the cost of managing your investments. Robo advisers tend to sit at the higher end of that range, but you’re paying for automation, ongoing rebalancing, and a plug-and-play experience. This might be worth it to you if you don’t want the admin, but not ideal if you're laser-focused on keeping your costs low."}],"markDefs":[],"style":"normal"},{"_key":"d2ec726a2de9","_type":"block","children":[{"_key":"c11f59c45cbb","_type":"span","marks":[],"text":"📊 Risk levels to suit your goals and timeframes"}],"markDefs":[],"style":"h3"},{"_key":"b16a7d8b9603","_type":"block","children":[{"_key":"3912219daa3f","_type":"span","marks":[],"text":"You can choose from portfolios labelled things like 'Cautious', 'Balanced', or 'Adventurous, depending on how comfortable you are with market ups and downs. 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"}],"markDefs":[{"_key":"9a1e943af354","_type":"glossaryPick","reference":{"_ref":"cb2d54a5-51bd-4510-96c6-badad138eff7","_type":"reference"}},{"_key":"fa4b026e21bd","_type":"glossaryPick","reference":{"_ref":"165e2844-2508-4b9c-988e-01423983d304","_type":"reference"}}],"style":"normal"},{"_key":"e54f9f58d6eb","_type":"block","children":[{"_key":"9c009c4938d8","_type":"span","marks":[],"text":"Ready-made portfolios can be a great way for beginners to take their first steps into the world of investing. It’s the ultimate low effort way to invest – without having to spend hours scouring the internet doing your own research. "}],"markDefs":[],"style":"normal"},{"_key":"d3ead61d6c21","_type":"block","children":[{"_key":"c0dfd1509888","_type":"span","marks":[],"text":"They're often well-diversified, meaning they take steps to spread your "},{"_key":"9c923e007484","_type":"span","marks":["cf36465504d9"],"text":"investment risk"},{"_key":"a4192dd9c7ba","_type":"span","marks":[],"text":", which may include investing in:"}],"markDefs":[{"_key":"cf36465504d9","_type":"internalLinkPick","reference":{"_ref":"5c5d525c-fda5-421a-aa58-0cffb97b4c8d","_type":"reference"}}],"style":"normal"},{"_key":"8937962a0a8a","_type":"textboxWidget","text":[{"_key":"bbcba856a871","_type":"block","children":[{"_key":"99b91b43146b","_type":"span","marks":[],"text":"Different types of asset, such as "},{"_key":"e31bbb645c08","_type":"span","marks":["09036afb4c99"],"text":"shares"},{"_key":"4627b8514e3a","_type":"span","marks":[],"text":" and "},{"_key":"13546b44a193","_type":"span","marks":["5183d26a5c8a"],"text":"bonds"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"09036afb4c99","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}},{"_key":"5183d26a5c8a","_type":"internalLinkPick","reference":{"_ref":"583a0e19-d23d-4df3-989f-54c2368f0d41","_type":"reference"}}],"style":"normal"},{"_key":"41e8abe4d9f8","_type":"block","children":[{"_key":"9cc1ce18c7b1","_type":"span","marks":[],"text":"Across different regions, such as developed and developing markets"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"872a429aea56","_type":"block","children":[{"_key":"fe1c764f779a","_type":"span","marks":[],"text":"Different sectors of the economy, such as energy and agriculture"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"9d56f38fd524","_type":"block","children":[{"_key":"a2d4b4a2295e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6cfadaf03c03","_type":"block","children":[{"_key":"827412f5b4e40","_type":"span","marks":[],"text":"Usually, a provider will offer a selection of ready-made portfolios tailored to different risk levels. You might see, for example, ready-made portfolios called ‘Cautious’ (low risk), ‘Balanced’ (medium risk) or ‘Adventurous’ (high risk). You may also come across alternative names like ‘Defensive’, ‘Conservative’ or ‘Growth’. 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All you have to do is arrange the initial investment and voilá, you’re an investor. This makes them a good choice for beginners who don’t want the fuss of setting up and running an account full of dozens of individual investments which need ongoing monitoring and rebalancing."}],"markDefs":[],"style":"normal"},{"_key":"6a969e94f629","_type":"block","children":[{"_key":"5334eedd8c57","_type":"span","marks":[],"text":""},{"_key":"f2fd9b9717c2","_type":"mainAnchor","pageAnchor":{"_ref":"181b9e36-bb26-4770-aa86-834fe4c3b071","_type":"reference"}},{"_key":"372ceb99d8ad","_type":"span","marks":[],"text":"✅ Managed by an expert"}],"markDefs":[],"style":"h3"},{"_key":"3271dc505d50","_type":"block","children":[{"_key":"797c7e847f86","_type":"span","marks":[],"text":"If you don’t feel confident about picking a ‘good’ investment from a ‘bad’ one, the fund manager for a ready-made portfolio does all the research and number-crunching for you. It’s less pressure on you and means your portfolio is likely to do better than if you managed it yourself (because you’ve got an expert making all the decisions, after all)."}],"markDefs":[],"style":"normal"},{"_key":"d61f42f71094","_type":"block","children":[{"_key":"e4871389a7bc","_type":"span","marks":[],"text":""},{"_key":"cb686d172848","_type":"mainAnchor","pageAnchor":{"_ref":"ae53200e-4c18-4516-9c27-7232613428f4","_type":"reference"}},{"_key":"f6aae1827928","_type":"span","marks":[],"text":"✅ Can pick your preferred risk level"}],"markDefs":[],"style":"h3"},{"_key":"9aefcdb6cc19","_type":"block","children":[{"_key":"92075c6f724d","_type":"span","marks":[],"text":"Many ready-made portfolios are ranked by their risk level (broadly speaking, how much exposure they have to shares vs less volatile assets like bonds). Descriptors like 'Cautious' or 'Ambitious' are frequently used, or sometimes expressed using visuals such as chilli peppers - not unlike the spice rating on a takeaway menu! This makes it easy to determine if the product suits your desired level of risk and saves you from having to wade through a text-heavy "},{"_key":"46f6bafa12ea","_type":"span","marks":["86b5358353ce"],"text":"KIID"},{"_key":"ff66e7784d1c","_type":"span","marks":[],"text":" to make the call yourself."}],"markDefs":[{"_key":"86b5358353ce","_type":"glossaryPick","reference":{"_ref":"9b1f4399-11e7-43f4-b6ea-8718b9895f89","_type":"reference"}}],"style":"normal"},{"_key":"18af28ab6fc7","_type":"block","children":[{"_key":"dfa3d56ab883","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4e5c6a6dd44e","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","alt":"Holly Mackay's opinion on ready-made portfolios","asset":{"_ref":"image-09007f04fb546b786000b2729947b6dfc2f690aa-606x438-jpg","_type":"reference"}},"quote":[{"_key":"a10fd11e337c","_type":"block","children":[{"_key":"5f814072bb9f","_type":"span","marks":[],"text":"Investing can feel easier once you get into the swing; the difficult bit is knowing where to start. After all, there are tens of thousands of investment options out there, offered by a growing number of investment platforms. I think ready-made portfolios can be a good starting point. These are off-the-peg portfolios and offered by most investment platforms. They are ideal for people who don't want to spend their time handpicking funds and learning the ins and outs. They don't require you to make any decisions about what to invest in. The only questions you'll need to answer are about how much risk you are willing to take on."}],"markDefs":[],"style":"normal"}]},{"_key":"d1c8ce807752","_type":"block","children":[{"_key":"529ab8a31dcc","_type":"span","marks":[],"text":""},{"_key":"db928b2e64b8","_type":"mainAnchor","pageAnchor":{"_ref":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"reference"}},{"_key":"c9fd2f6ab095","_type":"span","marks":[],"text":"What are the cons of ready-made portfolios?"}],"markDefs":[],"style":"h2"},{"_key":"1b2e2db3eae4","_type":"block","children":[{"_key":"4db14c105fff","_type":"span","marks":["strong"],"text":"The main drawbacks are limited investment choice, potentially higher costs through a robo-adviser and difficulty comparing performance across providers."}],"markDefs":[],"style":"normal"},{"_key":"9701fedd8172","_type":"block","children":[{"_key":"e19f4c941d4b","_type":"span","marks":[],"text":""},{"_key":"f652477a950f","_type":"mainAnchor","pageAnchor":{"_ref":"f7bfd443-0667-4ed8-a204-d14224f4feae","_type":"reference"}},{"_key":"badf8df9a789","_type":"span","marks":[],"text":"❌ Not enough choice"}],"markDefs":[],"style":"h3"},{"_key":"d8a15008fa5d","_type":"block","children":[{"_key":"d748871ab1a9","_type":"span","marks":[],"text":"If you’re a more experienced investor or someone who would prefer to have control over the ins and outs of their investments, a ready-made portfolio isn’t going to give you enough choice. All the decisions about what the portfolio is invested in, the proportion each element makes up of the whole and whether or not any adjustments are necessary are made for you – so if you want to be in total control, it’s not for you."}],"markDefs":[],"style":"normal"},{"_key":"00941053b8cf","_type":"block","children":[{"_key":"0be4f48a8010","_type":"span","marks":[],"text":""},{"_key":"48144685f283","_type":"mainAnchor","pageAnchor":{"_ref":"51c9ec3b-283f-439f-8475-964151d80f2b","_type":"reference"}},{"_key":"8969169c47b3","_type":"span","marks":[],"text":"❌ Can be expensive"}],"markDefs":[],"style":"h3"},{"_key":"d59831db12af","_type":"block","children":[{"_key":"d28e8fadda4e","_type":"span","marks":[],"text":"Ready-made portfolios can come with a higher price tag if you buy them through a"},{"_key":"2046e2f7789b","_type":"span","marks":["371b58d7b032"],"text":" robo adviser"},{"_key":"ea084cb7ca23","_type":"span","marks":[],"text":". This is because robo advisers typically offer a rebalancing service where your portfolio is continually monitored and adjusted using complex algorithms and AI designed to match your chosen level of investment risk (more on robo advisers and risk later). You’re essentially paying a bit extra for the convenience of not having to do this number-crunching – or the admin of manually tweaking your investments – yourself.  For some this isn’t worth it, but for others, some extra money every year for someone else to do the hard work is a sacrifice worth making. "}],"markDefs":[{"_key":"371b58d7b032","_type":"glossaryPick","reference":{"_ref":"a4f2c20d-3281-4d94-abdb-4a361ef45dab","_type":"reference"}}],"style":"normal"},{"_key":"7d9c5d5222b3","_type":"block","children":[{"_key":"976cd411fcf4","_type":"span","marks":[],"text":"Alternatively, ready-made portfolios cost the same amount on a standard investment platform as buying all the individual investments separately on the same platform. But for many investors, and particularly for beginners, if you’re happy with what a ready-made portfolio is investing in, it's usually easier to just buy it. Otherwise you're managing dozens of individual investments separately for the same end cost."}],"markDefs":[],"style":"normal"},{"_key":"714ff3fd4efc","_type":"block","children":[{"_key":"852b280917d7","_type":"span","marks":[],"text":""},{"_key":"04f08902b23a","_type":"mainAnchor","pageAnchor":{"_ref":"4c907ba2-4736-40b1-9cbc-d4a67ed183f2","_type":"reference"}},{"_key":"6ceeced9d06a","_type":"span","marks":[],"text":"❌ Hard to compare performance"}],"markDefs":[],"style":"h3"},{"_key":"f64b86f5afcd","_type":"block","children":[{"_key":"bd2f100d6f1b0","_type":"span","marks":[],"text":"There’s a large selection of ready-made portfolios on the market, all of which can invest in very different things in very different ways, which can make it difficult to compare how the one you’ve got is doing relative to similar ones. This could mean you end up sticking around in a portfolio which is underperforming simply because you’re not aware of its relative performance. "}],"markDefs":[],"style":"normal"},{"_key":"706f68ae82ac","_type":"block","children":[{"_key":"e18954c2940e","_type":"span","marks":[],"text":"Fortunately, we’ve got just fix for that - "},{"_key":"24db6d8b3e40","_type":"span","marks":["5e4ffac83d08"],"text":"click here"},{"_key":"9e947ac64466","_type":"span","marks":[],"text":" to see the latest performance results from the UK's top ready-made portfolio providers. "}],"markDefs":[{"_key":"5e4ffac83d08","_type":"internalLinkPick","reference":{"_ref":"9759ddeb-6a13-408b-9fb3-4b03280fa475","_type":"reference"}}],"style":"normal"},{"_key":"9d7b668936f0","_type":"block","children":[{"_key":"ca9cec0117b7","_type":"span","marks":[],"text":""},{"_key":"5cd5e1d68f45","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"e8fe8a7219dc","_type":"span","marks":[],"text":"Top questions on ready-made portfolios"}],"markDefs":[],"style":"h2"},{"_key":"e689c6ec2420","_type":"block","children":[{"_key":"cfac45cad209","_type":"span","marks":[],"text":"How much do ready-made portfolios cost?"}],"markDefs":[],"style":"h3"},{"_key":"bbdc8bc5795d","_type":"block","children":[{"_key":"176dd5566bb7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9d741607ffb8","_type":"textboxWidget","image":{"_type":"mainImage","alt":"💡 All-in fees are typically in the range of between 0.50 - 1% per year."},"text":[{"_key":"39e59e8b504d","_type":"block","children":[{"_key":"58347245920d","_type":"span","marks":[],"text":"💡"},{"_key":"2437b6c33d1a","_type":"span","marks":["strong"],"text":" All-in fees are typically in the range of between 0.50 - 1% per year."}],"markDefs":[],"style":"normal"}]},{"_key":"26004d4bc6ca","_type":"block","children":[{"_key":"cb896735a55b0","_type":"span","marks":[],"text":"The cost of investing in a ready-made portfolio depends on which one you choose and the provider that runs it. All-in fees are typically in the range of between 0.50 - 1% per year. "}],"markDefs":[],"style":"normal"},{"_key":"47000acf2489","_type":"block","children":[{"_key":"285e9351cfbe","_type":"span","marks":[],"text":"See how the Boring Money analysts rate the costs of ready-made solutions across different pricing scenarios below"}],"markDefs":[],"style":"normal"},{"_key":"ffa6948a3cec","_type":"frameWidget","href":"https://www.canva.com/design/DAHDdOoh13Q/PV58xgqF_Alg8RV94V6uWA/view?embed"},{"_key":"4dfb663757e4","_type":"block","children":[{"_key":"8bd12e398357","_type":"span","marks":["em"],"text":"Source: Boring Money Data, correct as at 01/03/2026"}],"markDefs":[],"style":"normal"},{"_key":"3b5ad8b04f10","_type":"block","children":[{"_key":"e39bc5ec0cea","_type":"span","marks":[],"text":"Ready-made portfolios bought from a robo-adviser are usually on the higher end of this scale. However, as we mentioned before, you’re effectively paying for the convenience of the robo adviser to select and monitor all the underlying investments for you on an ongoing basis. This means that the price is sometimes a bit higher, but there’s less effort required from you to regularly tweak and rebalance your portfolio by yourself."}],"markDefs":[],"style":"normal"},{"_key":"6eabbce8b1ce","_type":"block","children":[{"_key":"429b0608ca66","_type":"span","marks":[],"text":""},{"_key":"732c3e42c6b1","_type":"mainAnchor","pageAnchor":{"_ref":"282a43f9-0565-46fe-aa52-8a66a420d68a","_type":"reference"}},{"_key":"2cb08af59ddd","_type":"span","marks":[],"text":"What’s the difference between a multi-asset fund and a ready-made portfolio? "}],"markDefs":[],"style":"h3"},{"_key":"b0a88c6ba6cb","_type":"block","children":[{"_key":"057476df7b6c","_type":"span","marks":[],"text":"A multi-asset fund is a single fund that holds a variety of different assets. 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For those people investing with shorter time horizons - five years or so - or who don't have an appetite for alarming ups and downs, the low risk portfolios could be a good option. In theory, they should offer a smoother investment ride; they will make less over the long-term, but face less short-term volatility. Less than five years though and cash may be your best bet."}],"markDefs":[],"style":"normal"}]},{"_key":"82fedf2607f2","_type":"block","children":[{"_key":"8fd35a343b0f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2c835a525aea","_type":"block","children":[{"_key":"1ef87a462c1a0","_type":"span","marks":[],"text":"It’s also important to remember the very real risk of underestimating the impact of "},{"_key":"978d3055f439","_type":"span","marks":["1a8ada013d70"],"text":"inflation"},{"_key":"6d0cbd2e7e61","_type":"span","marks":[],"text":" on cash. Though it’s understandable to feel unsure and even nervous about investing your money, you could be locking yourself into losses if you leave your money in a current account or low interest savings account. Inflation will chew away at your pot over the longer-term and you could end up with savings that are worth considerably less than they were when you started. For example, if inflation is at 5% and you’re only earning 3% interest on your current account, then you’re actually losing 2% in real terms."}],"markDefs":[{"_key":"1a8ada013d70","_type":"glossaryPick","reference":{"_ref":"9d62b1af-7674-4f39-ba20-b0154d565241","_type":"reference"}}],"style":"normal"},{"_key":"7225e60d248d","_type":"block","children":[{"_key":"6b1ed8141a9d0","_type":"span","marks":[],"text":"For those aiming to save for five years or less, this is less of a concern, but the cumulative effect of inflation over periods longer than this could erode the value of your savings. So if you’re going to be investing for five years or more, for most people it’s generally worth considering investing to protect yourself against the corroding power of inflation."}],"markDefs":[],"style":"normal"},{"_key":"5d1fd8f05194","_type":"block","children":[{"_key":"07a69a2d5c5a0","_type":"span","marks":[],"text":"The table below is a very rough guide of how your investing timeframes can inform the level of risk that’s best for you – your ‘risk tolerance’. Of course, this is ultimately a personal decision and there are no guarantees when it comes to investing; your money can go up in value as well as down, no matter how ‘risky’ your investments are advertised to be. 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But ‘risk’ may conjure up different things to different people. Risk can even be your friend if you use it the right way."}],"markDefs":[],"style":"normal"},{"_key":"d95e9b4b1b6b","_type":"block","children":[{"_key":"21cc0a610d0a0","_type":"span","marks":[],"text":"That said, there is little doubt that risk is a major deterrent to stock market investment for many people. Boring Money research shows that 50% of savers with more than £10,000 agree with the statement: ‘I’m concerned about losing any money’. This fear of loss of capital is one of the biggest barriers to getting started with investing."}],"markDefs":[],"style":"normal"},{"_key":"82d4f10cdc80","_type":"block","children":[{"_key":"d26a530e24c40","_type":"span","marks":[],"text":"The problem is that stock markets often hit the headlines for the wrong reasons. While most of the time, they potter along quite happily, occasionally, they have significant movements. 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This is unhelpful in understanding the real risk inherent in stock markets."}],"markDefs":[],"style":"normal"},{"_key":"3683e13d3c8b","_type":"block","children":[{"_key":"e36d233761eb","_type":"span","marks":[],"text":""},{"_key":"336da05bc199","_type":"mainAnchor","pageAnchor":{"_id":"00364f4b-3797-4928-aed0-46a4c00d8c5d","_type":"anchorCategory","_rev":"o1pc59053vORBg8rG61CZf","_createdAt":"2024-09-27T10:10:53Z","_updatedAt":"2024-09-27T10:10:56Z","AnchorName":"whatisrisk","id":"-7cecbba1-d060-56b7-a778-e7b4746c510d","children":[],"parent":null}},{"_key":"18547877f2220","_type":"span","marks":[],"text":"What is risk?"}],"markDefs":[],"style":"h3"},{"_key":"f55aec13dd0d","_type":"block","children":[{"_key":"886adfd8b4cb0","_type":"span","marks":[],"text":"There are various definitions of risk and it doesn’t help that the investment industry’s definition of risk is not the same as it is for most investors."}],"markDefs":[],"style":"normal"},{"_key":"9cf8611b2a8e","_type":"block","children":[{"_key":"7ca542f019370","_type":"span","marks":[],"text":"The investment industry defines risk as volatility – how much share prices move up and down. Under this definition, an investment is considered high risk if its price moves around a lot, whereas if the price stays pretty consistent, it is less risky."}],"markDefs":[],"style":"normal"},{"_key":"db7cfb0ecc97","_type":"block","children":[{"_key":"259d1a1d6d38","_type":"span","marks":[],"text":"The below illustrates volatility by risk category:"}],"markDefs":[],"style":"normal"},{"_key":"eae2704a5f14","_type":"mainImage","asset":{"_id":"image-0cb7a0ba0b9409c02088b1f1bd0e95f59b005525-1720x1080-gif","_type":"sanity.imageAsset","_rev":"O04dqLQVp3MU3JOJ2Dd61M","_createdAt":"2024-09-27T08:45:30Z","_updatedAt":"2024-09-27T08:45:30Z","assetId":"0cb7a0ba0b9409c02088b1f1bd0e95f59b005525","extension":"gif","metadata":{"_type":"sanity.imageMetadata","blurHash":"V5S6Su%MD$xv9F~pt6t7a#WB4nWr?bt7%Nx^WBxtj[j[","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.5925925925925926,"height":1080,"width":1720},"hasAlpha":true,"isOpaque":true,"lqip":"data:image/jpeg;base64,/9j/2wBDAAYEBQYFBAYGBQYHBwYIChAKCgkJChQODwwQFxQYGBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0oMCUoKSj/2wBDAQcHBwoIChMKChMoGhYaKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCj/wAARCAANABQDASIAAhEBAxEB/8QAFwAAAwEAAAAAAAAAAAAAAAAAAAEDCP/EACIQAAICAQEJAAAAAAAAAAAAAAECAAMRBBITFDFBUVNhcf/EABQBAQAAAAAAAAAAAAAAAAAAAAD/xAAUEQEAAAAAAAAAAAAAAAAAAAAA/9oADAMBAAIRAxEAPwDTlKNdp0Y2OpPaPhmHK+zPuJNMUUKLXwOke4PkaBOx3Riu2TCUOnyclyT8hA//2Q==","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#202a32","foreground":"#fff","population":0.02,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#2d5282","foreground":"#fff","population":0.04,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#4d7cae","foreground":"#fff","population":0.28,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#9fb5bf","foreground":"#000","population":0.01,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#a0d2f9","foreground":"#000","population":0.06,"title":"#fff"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#4d7cae","foreground":"#fff","population":0.28,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#6cb4f4","foreground":"#000","population":0,"title":"#fff"}}},"mimeType":"image/gif","originalFilename":"Volatility .gif","path":"images/k8qzcdw3/prod1503/0cb7a0ba0b9409c02088b1f1bd0e95f59b005525-1720x1080.gif","sha1hash":"0cb7a0ba0b9409c02088b1f1bd0e95f59b005525","size":2866678,"uploadId":"Aa5H64frxY48Asioal8sw0WyedCAva2G","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/0cb7a0ba0b9409c02088b1f1bd0e95f59b005525-1720x1080.gif","filename":"Volatility .gif","width":1720,"height":1080,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/0cb7a0ba0b9409c02088b1f1bd0e95f59b005525-1720x1080.gif?rect=500,0,720,1080&w=%width%&h=%height%&q=80","id":"image-0cb7a0ba0b9409c02088b1f1bd0e95f59b005525-1720x1080-gif","children":[],"parent":null}},{"_key":"1deaa5a4fd3b","_type":"block","children":[{"_key":"cc8bce51ccee","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9e486a1341ef","_type":"block","children":[{"_key":"f70636ce50c50","_type":"span","marks":[],"text":"This is not how most people view risk. For them, they are pretty comfortable with share prices lurching higher; it’s just the down bits they don’t like. For most investors, permanent loss of capital is their greatest fear. In this scenario, they end up with less than they started with, at the point at which they need their cash."}],"markDefs":[],"style":"normal"},{"_key":"ece67f0557cb","_type":"block","children":[{"_key":"27b314310b6e","_type":"span","marks":[],"text":""},{"_key":"648358c87c35","_type":"mainAnchor","pageAnchor":{"_id":"c6ac5d6d-e42d-4309-8ec4-e66f789d3734","_type":"anchorCategory","_rev":"O04dqLQVp3MU3JOJ2DgXU0","_createdAt":"2024-09-27T10:12:03Z","_updatedAt":"2024-09-27T10:12:06Z","AnchorName":"perceptions","id":"-df41b995-4ca3-5ed9-918d-99a9a495b355","children":[],"parent":null}},{"_key":"cfeb306b740e0","_type":"span","marks":[],"text":"How do people like you perceive risk?"}],"markDefs":[],"style":"h3"},{"_key":"a5228267d596","_type":"block","children":[{"_key":"a2a5a244c01e0","_type":"span","marks":[],"text":"Fundamental to investing is that with a greater acceptance of risk, there is a great opportunity for reward. However, most people don’t see risk in those terms. Most people see risk as something to be avoided."}],"markDefs":[],"style":"normal"},{"_key":"7247447475a0","_type":"block","children":[{"_key":"689249770e830","_type":"span","marks":[],"text":"Research from "},{"_key":"2fcbdda09391","_type":"span","marks":["a0ce7e2f648d"],"text":"Boring Money’s 2026"},{"_key":"689249770e831","_type":"span","marks":["em","a0ce7e2f648d"],"text":" Online Investing Report"},{"_key":"689249770e832","_type":"span","marks":["a0ce7e2f648d"],"text":" "},{"_key":"a46df0ff9673","_type":"span","marks":[],"text":"found that the main motivation cited to invest is to get ‘better returns’ – with 32% of people stating that this was the reason that prompted them to start investing in the first place."}],"markDefs":[{"_key":"a0ce7e2f648d","_type":"internalLinkPick","blank":true,"reference":{"_id":"be383eed-9694-4383-91fd-4e3bd0a7b3b4","_type":"linkCategory","_rev":"f3B9PuFrOuEr1B8Bwl3yKm","_createdAt":"2026-03-11T16:44:12Z","_updatedAt":"2026-03-11T16:44:17Z","description":"OIR 2026","url":"https://www.boringmoneybusiness.co.uk/reports/online-investing-report-2026/","id":"-c10633b9-ecee-520d-9ae5-bfc3b7ce98ab","children":[],"parent":null}}],"style":"normal"},{"_key":"284634d209e4","_type":"block","children":[{"_key":"e73eb13d31ef0","_type":"span","marks":[],"text":"But even amongst those who do invest, many are still uncomfortable around the idea of taking risk with money – 29% of investors agree with the statement: ‘I am comfortable taking on a lot of risk when it comes to my investments’."}],"markDefs":[],"style":"normal"},{"_key":"2e86e428fd77","_type":"block","children":[{"_key":"eeaa2ce0949c0","_type":"span","marks":[],"text":"Unsurprisingly, young investors are the least risk-averse – 58% of investors under 44 with £50,000 or more agree they are comfortable taking risk. But that still leaves a whopping 42% who are not. This means that younger people could be missing out on the opportunity to maximise their rewards over a lifetime of investing due to a fear of taking risk."}],"markDefs":[],"style":"normal"},{"_key":"71f37c324d89","_type":"block","children":[{"_key":"5a932604b3320","_type":"span","marks":[],"text":"Risk aversion in general accelerates with age – peaking as people approach the ‘decumulation’ phase (preparing for retirement) between 55-64."}],"markDefs":[],"style":"normal"},{"_key":"b0032e2c6454","_type":"block","children":[{"_key":"c301e7de019d0","_type":"span","marks":[],"text":"Aside from age, female investors are considerably more risk-averse than men across all age groups, with 47% strongly disagreeing with the idea of taking on ‘a lot of risk’ with their investments – driven especially by those aged 45 and above."}],"markDefs":[],"style":"normal"},{"_key":"11ec7b44ca6d","_type":"mainImage","asset":{"_id":"image-47770c1d50cced257e31dd663b7d2962fd91a247-1920x1080-png","_type":"sanity.imageAsset","_rev":"o1pc59053vORBg8rG6nHGF","_createdAt":"2024-09-27T12:40:50Z","_updatedAt":"2024-09-27T12:40:50Z","assetId":"47770c1d50cced257e31dd663b7d2962fd91a247","extension":"png","metadata":{"_type":"sanity.imageMetadata","blurHash":"MhRyjERCXrj_VqaeV]bJj[j=-=X5RNaxo#","dimensions":{"_type":"sanity.imageDimensions","aspectRatio":1.7777777777777777,"height":1080,"width":1920},"hasAlpha":false,"isOpaque":true,"lqip":"data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABQAAAALCAIAAADwazoUAAAACXBIWXMAAA7EAAAOxAGVKw4bAAAB+UlEQVQokV2SW2/aQBCF/adjoUZF6kP72ibviVSpfYlaqVFStaoI0Dblai6BYBJjYhPjcLUxxrC73t2ZykGhSo++p9HM0UjnKK7BK2e08IkWP9PyFza8ETHhwD251kVYkKsykD6KEFEAJoInEFEZ34nGD1Y9Z9VzWv/ORiaLownzf66d45X1LrQO1+5HHmogAgFSAHIADokTICozR3Yv43Y+bueZ/ptNrYDMi555aGv7/XLKLKXsWjoYHJO17nMy4mLE+YiLKRcUQHkwRe0bK5/S8inVvtKHrhs6J3Y93cztNbJqI6u28qrbfhN4GYv4bcJahLYIu6EslFKZO7L7h1/nE/TLeGoOAvu9UXpRzexpGbWWUa9yqnP1KpieuWTWo/EtZQZld3EcSaksRtivQa8MvQr0NfDuR0vnpF992cyq9Qu1dqG2f6lu+3UwzzjE71KmU6pT2mNsJaXiu2hW0CiiUcJ+FfxhSLzCvHdgafu9Ysoopu7r6cA+Wq06A7buUHZNaIdQgz2+vZzgUMepjcEYlxOkkZBsEvu5yDkKrbehdbBxP/BllfPFSoqFFL5ICISMARRviHYTgwlKiSC3IXLkHmxuZaTJqAHE2uW8ZbuV5BzOcGxi5CNAwpMkQoxyg5IkXo/Lu27spIgY2QYFfz5+1qX/Tv4d/wW6CVOvVuloWwAAAABJRU5ErkJggg==","palette":{"_type":"sanity.imagePalette","darkMuted":{"_type":"sanity.imagePaletteSwatch","background":"#422573","foreground":"#fff","population":0,"title":"#fff"},"darkVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#392063","foreground":"#fff","population":0,"title":"#fff"},"dominant":{"_type":"sanity.imagePaletteSwatch","background":"#693cb6","foreground":"#fff","population":6.16,"title":"#fff"},"lightMuted":{"_type":"sanity.imagePaletteSwatch","background":"#b296c9","foreground":"#000","population":1.83,"title":"#fff"},"lightVibrant":{"_type":"sanity.imagePaletteSwatch","background":"#fce278","foreground":"#000","population":5.16,"title":"#000"},"muted":{"_type":"sanity.imagePaletteSwatch","background":"#b9b589","foreground":"#000","population":0.18,"title":"#fff"},"vibrant":{"_type":"sanity.imagePaletteSwatch","background":"#693cb6","foreground":"#fff","population":6.16,"title":"#fff"}}},"mimeType":"image/png","originalFilename":"45% of female investors strongly disagree with the idea of onaking on ‘a lot of risk’ with their investments (1).png","path":"images/k8qzcdw3/prod1503/47770c1d50cced257e31dd663b7d2962fd91a247-1920x1080.png","sha1hash":"47770c1d50cced257e31dd663b7d2962fd91a247","size":121631,"uploadId":"KVyKtTqOTzmYceF9PyyWgDM4jhbHX3PX","url":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/47770c1d50cced257e31dd663b7d2962fd91a247-1920x1080.png","filename":"45% of female investors strongly disagree with the idea of onaking on ‘a lot of risk’ with their investments (1).png","width":1920,"height":1080,"placeholderUrl":"https://cdn.sanity.io/images/k8qzcdw3/prod1503/47770c1d50cced257e31dd663b7d2962fd91a247-1920x1080.png?rect=600,0,720,1080&w=%width%&h=%height%&q=80","id":"image-47770c1d50cced257e31dd663b7d2962fd91a247-1920x1080-png","children":[],"parent":null}},{"_key":"0cc11dad1e7c","_type":"block","children":[{"_key":"14dac7f86a7b","_type":"span","marks":[],"text":""},{"_key":"b75a6b8fe0c6","_type":"mainAnchor","pageAnchor":{"_id":"2e387264-29f1-434b-9dd0-c738c3304756","_type":"anchorCategory","_rev":"hKxh9nrny9AwX8UG6iIBfe","_createdAt":"2024-09-27T10:12:49Z","_updatedAt":"2024-09-27T10:12:56Z","AnchorName":"stockmarketsnotsorisky","id":"-9fc00921-664d-5c62-bc29-b1c97413b4f8","children":[],"parent":null}},{"_key":"38b25179304a0","_type":"span","marks":[],"text":"Stock markets aren’t as risky as you think"}],"markDefs":[],"style":"h3"},{"_key":"b77e07009b86","_type":"block","children":[{"_key":"642036d92d8f0","_type":"span","marks":[],"text":"Yes, stock markets go up and down, but over time, they are not as risky as you might imagine. Research from "},{"_key":"6a6537f4bd5a","_type":"span","marks":["184a7f53fcf8"],"text":"Schroders "},{"_key":"3e1df449a857","_type":"span","marks":[],"text":"shows a 91% probability of UK equities outperforming cash over any 10-year period in the past 123 years. Even over two, three, four and five years, the equivalent probability was 70% or above."}],"markDefs":[{"_key":"184a7f53fcf8","_type":"internalLinkPick","blank":true,"reference":{"_id":"09eb24ad-c788-4bd8-85a0-e6b67651e189","_type":"linkCategory","_rev":"hKxh9nrny9AwX8UG6bCAwj","_createdAt":"2024-09-26T15:23:08Z","_updatedAt":"2024-09-26T15:23:10Z","url":"https://www.schroders.com/en-gb/uk/institutional/insights/uk-shares-the-70-shot-at-beating-cash/)","id":"-a4f794b2-a2ad-54e6-90d5-694445805d73","children":[],"parent":null}}],"style":"normal"},{"_key":"6b4a08263e92","_type":"block","children":[{"_key":"f0d17e4417500","_type":"span","marks":[],"text":"Morningstar data shows that equities, which make up the lion's share of most investors' portfolios, have managed to return 7.4% per year after inflation over the trailing 100 years (S&P 500 total real return, annualised). That’s in spite of two world wars, the Great Depression, the Cold War, a global pandemic, and a range of local economic crises."}],"markDefs":[],"style":"normal"},{"_key":"58c57697a5c9","_type":"block","children":[{"_key":"b018ebc674e80","_type":"span","marks":[],"text":"Below is an illustration of the "},{"_key":"c1f5a6211003","_type":"span","marks":["85cbfc25e4dc"],"text":"FTSE 100"},{"_key":"c7493e6cc7bf","_type":"span","marks":[],"text":" index and "},{"_key":"55e5a6e3bc20","_type":"span","marks":["6b44a9e544ce"],"text":"MSCI World Index"},{"_key":"2169e032a9b9","_type":"span","marks":[],"text":" - over a ten year period. As you can see, if you invested £1000 in the MSCI Index in July 2014 by the end of December 2025, it would be worth £3806."}],"markDefs":[{"_key":"85cbfc25e4dc","_type":"glossaryPick","reference":{"_id":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"glossaryHover","_rev":"lTp2d2CYb7e7Sxre7E5WU3","_createdAt":"2025-04-30T13:42:54Z","_updatedAt":"2025-04-30T13:43:13Z","description":"Also called “Footsie”, the name for the share index made up of the largest 100 companies by market capitalisation (total value of all shares) listed on the London Stock Exchange.","title":"FTSE 100","id":"-a54941b3-75e6-5613-bd46-3ed80c5c54e9","children":[],"parent":null}},{"_key":"6b44a9e544ce","_type":"glossaryPick","reference":{"_id":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"glossaryHover","_rev":"cgOXYc5fbaZoufJX9Z3fRz","_createdAt":"2025-05-01T14:42:09Z","_updatedAt":"2025-05-01T14:45:19Z","description":"A global index that tracks large and medium-sized companies from 23 developed countries around the world.","title":"MSCI World","id":"-3f82d13b-ff3c-5e83-961e-ef18e3f0a260","children":[],"parent":null}}],"style":"normal"},{"_key":"1fdfa2931eda","_type":"block","children":[{"_key":"c9995771bddd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8cdfebdb0fe9","_type":"frameWidget","href":"https://www.canva.com/design/DAG7OFE42_c/V25AjrWXM8szDDn7pZL9bg/view?embed"},{"_key":"fa483ec8e5b6","_type":"block","children":[{"_key":"e251b12897e90","_type":"span","marks":[],"text":"Certainly, there are points along this journey where if you had invested at the wrong time and sold at the wrong time, you would have lost money. "}],"markDefs":[],"style":"normal"},{"_key":"b362aa2a944f","_type":"block","children":[{"_key":"5d1c625350a9","_type":"span","marks":[],"text":"The key here is timeframes. If you had a long enough time horizon, you would have seen good returns."}],"markDefs":[],"style":"normal"},{"_key":"c99a0e6df6c2","_type":"block","children":[{"_key":"edb588f7e86e0","_type":"span","marks":[],"text":"Equally, relatively few people talk about the risks of holding cash. Cash feels intuitively safe because investors get back what they put in. However, this neglects the impact of inflation. Over the past 20 years, you would need a £10,000 investment to grow to over £17,000[1] to keep pace with the rising cost of living. It is far more difficult to do this if you hold all of your portfolio in cash."}],"markDefs":[],"style":"normal"},{"_key":"1f34cd3f1e6b","_type":"block","children":[{"_key":"0896fa5fec7d","_type":"span","marks":["strong"],"text":""},{"_key":"d82840962a1e","_type":"mainAnchor","pageAnchor":{"_id":"6df393aa-007f-4533-9b69-8f1298eed8d9","_type":"anchorCategory","_rev":"hKxh9nrny9AwX8UG6iJYZe","_createdAt":"2024-09-27T10:14:35Z","_updatedAt":"2024-09-27T10:14:47Z","AnchorName":"riskvsuncertainy","id":"-e90928d4-b0c1-5302-9648-687632d2b34a","children":[],"parent":null}},{"_key":"41a08e05d0ff0","_type":"span","marks":[],"text":"Risk versus uncertainty"}],"markDefs":[],"style":"h3"},{"_key":"29241bd35d7a","_type":"block","children":[{"_key":"37aedd6b4a1f0","_type":"span","marks":[],"text":"Consulting psychologist Paul Davies says how most of us define the word ‘risk’ when it comes to investing is misleading. He suggests that ‘uncertainty’ may be a more accurate term to use instead: "}],"markDefs":[],"style":"normal"},{"_key":"342444ac7c17","_type":"block","children":[{"_key":"50479d88871f","_type":"span","marks":[],"text":"“To put it simply, ‘risk’ is a trigger word. Neuroimaging research has shown that hearing or reading this word activates areas of the brain, such as the anterior insula and the thalamus. These regions are where we process emotions such as anxiety, fear, disappointment, sadness and regret. Triggering this reaction is very useful when you want to stop people from drinking bleach, but it’s too extreme in the context of investing.\""}],"markDefs":[],"style":"normal"},{"_key":"df0962cd0673","_type":"block","children":[{"_key":"28c1b8db7837","_type":"span","marks":[],"text":"In the video below our Founder & CEO Holly Mackay speaks to Paul about the psychological interpretation of risk:"}],"markDefs":[],"style":"normal"},{"_key":"6670eec37346","_type":"mainVideo","url":"https://vimeo.com/779623754"},{"_key":"d5935a616319","_type":"block","children":[{"_key":"5c47af657fdb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"faf8bddffb60","_type":"block","children":[{"_key":"043f4df14b130","_type":"span","marks":[],"text":"Risk doesn’t communicate both sides of the investing story – it only communicates loss. When someone is choosing what to do with their hard-earned life savings, it’s unfair to only speak in terms of loss. ‘Uncertainty’ represents both the positive and the negative sides of investing. "}],"markDefs":[],"style":"normal"},{"_key":"04b7bd9c5d68","_type":"block","children":[{"_key":"603fcece9725","_type":"span","marks":[],"text":"Davies adds: “It immediately communicates a balance that risk does not while not shying away from the potential downsides. People don’t welcome uncertainty either, but the word encourages consumers to investigate further rather than immediately running for the hills, scared they’ll lose everything.”"}],"markDefs":[],"style":"normal"},{"_key":"1a2b18fcc3af","_type":"block","children":[{"_key":"19bb7783220e","_type":"span","marks":[],"text":""},{"_key":"740a2e654eaf","_type":"mainAnchor","pageAnchor":{"_id":"badc5194-f9c4-4948-a040-76d99a654890","_type":"anchorCategory","_rev":"o1pc59053vORBg8rG63SSF","_createdAt":"2024-09-27T10:16:23Z","_updatedAt":"2024-09-27T10:16:33Z","AnchorName":"stockmarketnothomogeneous","id":"-87acab80-74c3-522a-8528-4dbf92e8b7d8","children":[],"parent":null}},{"_key":"c669498207980","_type":"span","marks":[],"text":"Stock market risk is not homogenous"}],"markDefs":[],"style":"h3"},{"_key":"f701ab10aab3","_type":"block","children":[{"_key":"2ad912ef90c10","_type":"span","marks":[],"text":"Companies are not all the same, which means they do not carry the same risks. A large company, for example, will tend to be less risky than a small company. They will have a broader range of revenue streams, a more diverse client base, and operations worldwide. This makes them less risky than, for example, a company with two or three key clients and a single product."}],"markDefs":[],"style":"normal"},{"_key":"d232c6839d99","_type":"block","children":[{"_key":"4dc0cd1a9de60","_type":"span","marks":[],"text":"It is also true to say that different sectors and regions may carry different risks. A company in the US will have different governance and reporting standards to companies in other countries with less developed capital markets. A hotel business dependent on consumer spending will be inherently riskier than a healthcare business, where demand is stable across economic cycles."}],"markDefs":[],"style":"normal"},{"_key":"4373b4217866","_type":"block","children":[{"_key":"71bc4b6b3d7f0","_type":"span","marks":[],"text":"Equally – and this is an important point – companies with lots of expectation built into their share prices will be riskier than those on more realistic valuations. 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Well, crucially, ‘risk’ does not equate to losing it all. Even during some of the worst financial upheavals, such as the Global Financial Crisis in 2008 and the more recent market’s reaction to Liz Truss’s disastrous mini-budget, markets generally bounce back."}],"markDefs":[],"style":"normal"},{"_key":"88441fbec560","_type":"block","children":[{"_key":"81781094351f","_type":"span","marks":[],"text":"Below are six things to consider to help you manage risk. "}],"markDefs":[],"style":"normal"},{"_key":"03e8a43e8b68","_type":"block","children":[{"_key":"54a647880aea0","_type":"span","marks":[],"text":""},{"_key":"ca6da57c112f","_type":"mainAnchor","pageAnchor":{"_id":"72ac05e6-fc20-4378-af04-9f0a9f27e086","_type":"anchorCategory","_rev":"YRSSkquNNTLbUcp5ox8AQY","_createdAt":"2024-09-20T11:18:56Z","_updatedAt":"2024-09-20T11:18:56Z","AnchorName":"timeframe","id":"-8f2818ee-59f4-54cd-8985-6473e37d44ea","children":[],"parent":null}},{"_key":"41595b912fa2","_type":"span","marks":[],"text":"1. Time"}],"markDefs":[],"style":"h4"},{"_key":"d6848e461d27","_type":"block","children":[{"_key":"5bc7dbec38fc0","_type":"span","marks":[],"text":"The FTSE 100 fell 31% in 2008, but two years later it had fully recovered and then some. This was undoubtedly a problem for an investor who sold out during the dip, but for those who were able to hang in there until it had recovered, the damage to their portfolio was minimal (if any at all). Once again, it’s about your timeframes and avoiding being in a position where you need to sell your investments at a loss – i.e. becoming a “forced seller”. All stock market investment should be approached with a long-term time frame."}],"markDefs":[],"style":"normal"},{"_key":"ea52f90ca6a4","_type":"block","children":[{"_key":"a05a83a531c8","_type":"span","marks":[],"text":""},{"_key":"9b756105fe15","_type":"mainAnchor","pageAnchor":{"_id":"6007fca4-6474-4357-97ff-a9ecd2440bb9","_type":"anchorCategory","_rev":"aTxVs4IX583a7ODL1djc2q","_createdAt":"2024-02-27T13:33:18Z","_updatedAt":"2024-02-27T13:33:18Z","AnchorName":"diversify","id":"-94197bbd-4cfd-5c36-b925-c6e76c281951","children":[],"parent":null}},{"_key":"269ad09610ca0","_type":"span","marks":[],"text":"2. Diversification"}],"markDefs":[],"style":"h4"},{"_key":"26be801f7fec","_type":"block","children":[{"_key":"4956cf8cd6690","_type":"span","marks":[],"text":"The greatest risk for investors is to have everything on red, and it comes up black. Stock market investment is not a casino and you shouldn’t risk it all on the spin of a wheel. Putting all your investments into a single company or sector – even if you think it’s a sure thing – is to be avoided. There are always risks you cannot anticipate."}],"markDefs":[],"style":"normal"},{"_key":"6368c5ce1fdf","_type":"block","children":[{"_key":"0f676e8e44ce0","_type":"span","marks":[],"text":"With this in mind, choosing investments exposed to a wide range of geographies and sectors is an important means to manage risk. You can achieve this through a balanced collective fund. You may not get the euphoric highs of picking the one technology stock that goes to the moon, but neither will you get the (more likely) bust. With a diversified spread of investments, if any one of them underperforms or crashes, you’ll be able to offset the losses against other, better-performing investments in your portfolio."}],"markDefs":[],"style":"normal"},{"_key":"109b42c15c39","_type":"block","children":[{"_key":"799fec0bb1850","_type":"span","marks":[],"text":"Multi-assets funds are a great way to have a diversified portfolio and can be likened to an investment ready-meal. Instead of buying all the ingredients yourself and worrying about putting it together, you can outsource everything to an investment manager and have them do it for you."}],"markDefs":[],"style":"normal"},{"_key":"3954d609af54","_type":"block","children":[{"_key":"ce637a774faf","_type":"span","marks":[],"text":"Holy Mackay explains multi-asset funds below:"}],"markDefs":[],"style":"normal"},{"_key":"f8ff52f83079","_type":"mainVideo","url":"https://vimeo.com/781137907"},{"_key":"2cc9611b3452","_type":"block","children":[{"_key":"4894cccbb0bd","_type":"span","marks":[],"text":""},{"_key":"f7e22243e7e0","_type":"mainAnchor","pageAnchor":{"_id":"15798fe9-e0eb-44db-9ca2-6f5aef15280d","_type":"anchorCategory","_rev":"hKxh9nrny9AwX8UG6icvyJ","_createdAt":"2024-09-27T10:52:03Z","_updatedAt":"2024-09-27T10:52:05Z","AnchorName":"income","id":"-b71e5114-4b7e-50cc-bb48-0beed09cfb16","children":[],"parent":null}},{"_key":"3840e97317a50","_type":"span","marks":[],"text":"3. Income"}],"markDefs":[],"style":"h4"},{"_key":"b6b6aaa79c81","_type":"block","children":[{"_key":"ccdc58a1d71a0","_type":"span","marks":[],"text":"Targeting companies that pay out a share of their profits to investors through dividends can be a tool to manage risk in a portfolio. It means you get back 4-5% of your investment each year, which is reassuring. Dividends have historically been a significant share of the return from stock markets. Investors can choose to reinvest dividends to buy more investments and this can be a powerful way to grow wealth over time."}],"markDefs":[],"style":"normal"},{"_key":"49cba17f6a54","_type":"block","children":[{"_key":"0a7ab78e66e10","_type":"span","marks":["3cf7019510c3"],"text":"Investment Trusts"},{"_key":"d012502c9655","_type":"span","marks":[],"text":" can be a good vehicle for income as they offer dividends, which you can think of as a cash bonus you get to say “thank you” for investing in them. But here’s the icing on the cake: a fund manager can set aside up to 15% of a trust’s income during successful years to boost dividends at times when it hasn’t performed so well. 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They can also hold back up to 15% of their income each year to smooth out dividends in leaner times. 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Their ability to grow wealth over the long term and generate reliable income has made them a popular and enduring investment option."}],"markDefs":[],"style":"normal"},{"_key":"f02672f9e59a","_type":"block","children":[{"_key":"2e48711a22ca","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"098f98318792","_type":"mainImage","alt":"Infographic outlining 3 key things you need to know about investment trusts.","asset":{"_ref":"image-77a48487e73acb03dbb2f57e8530a3474958dcdb-1920x1080-png","_type":"reference"},"blankAltTag":true},{"_key":"658b62bf65d5","_type":"block","children":[{"_key":"37e28dbba812","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"139857efca68","_type":"block","children":[{"_key":"12d0b8472e29","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a1005bf038af","_type":"block","children":[{"_key":"b1532024fcba","_type":"span","marks":[],"text":"At their core, Investment Trusts are collective investment vehicles which function similarly to a mutual "},{"_key":"e9fe7212ec0b","_type":"span","marks":["ccc3e390b038"],"text":"fund"},{"_key":"b3c1b8c9a605","_type":"span","marks":[],"text":". They pool together the money of investors (the Trust's shareholders) and professional"},{"_key":"cf04b29e7808","_type":"span","marks":["0dc04f86fbe6"],"text":" fund managers"},{"_key":"e32c287aff05","_type":"span","marks":[],"text":" then invest this money in a diversified mix of "},{"_key":"d5c10a7cb69b","_type":"span","marks":["dae918e4dc8f"],"text":"assets"},{"_key":"00e617852dac","_type":"span","marks":[],"text":" - such as "},{"_key":"4dce9bf956a0","_type":"span","marks":["acf0e1aef236"],"text":"shares"},{"_key":"30ab9d197a8b","_type":"span","marks":[],"text":", "},{"_key":"b98c4a9280d9","_type":"span","marks":["ae80e5c2e424"],"text":"bonds"},{"_key":"ef5b5138e1c9","_type":"span","marks":[],"text":", or property - according to the investment aims of the particular Trust."}],"markDefs":[{"_key":"ccc3e390b038","_type":"glossaryPick","reference":{"_ref":"18e00366-dfcb-4186-8d35-7d6abf19fde7","_type":"reference"}},{"_key":"ae80e5c2e424","_type":"glossaryPick","reference":{"_ref":"ea467285-7d48-4093-b16e-76d3f8a95fc1","_type":"reference"}},{"_key":"dae918e4dc8f","_type":"glossaryPick","reference":{"_ref":"bbd21391-fb19-4ae7-9dd4-03e45b9ff515","_type":"reference"}},{"_key":"0dc04f86fbe6","_type":"glossaryPick","reference":{"_ref":"52cb8779-f204-4e14-b5e9-c3bb3cf56993","_type":"reference"}},{"_key":"acf0e1aef236","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}}],"style":"normal"},{"_key":"989f2700802e","_type":"block","children":[{"_key":"83fc9f89aa2a","_type":"span","marks":[],"text":"Unlike mutual funds, Investment Trusts are structured as closed-ended companies, meaning the number of shares available at any one time is fixed. This structure can lead to shares trading at a "},{"_key":"ca34a1df2419","_type":"span","marks":["db7d16e2b826"],"text":"premium"},{"_key":"7e483654a0fc","_type":"span","marks":[],"text":" or "},{"_key":"24f6721e852d","_type":"span","marks":["b541dc26b4e7"],"text":"discount"},{"_key":"c8a9e5db5ce9","_type":"span","marks":[],"text":" to the value of the underlying assets ("},{"_key":"d7c880d3e19e","_type":"span","marks":["38020b4e5112"],"text":"NAV"},{"_key":"f9e7404ed02b","_type":"span","marks":[],"text":"), depending on investor demand."}],"markDefs":[{"_key":"db7d16e2b826","_type":"glossaryPick","reference":{"_ref":"1830ef60-3809-4512-81e2-615746b98703","_type":"reference"}},{"_key":"b541dc26b4e7","_type":"glossaryPick","reference":{"_ref":"e83fac5f-7b96-4a74-a65e-ba25dad1285e","_type":"reference"}},{"_key":"38020b4e5112","_type":"glossaryPick","reference":{"_ref":"fed61c02-3002-4768-9374-16377d6a555f","_type":"reference"}}],"style":"normal"},{"_key":"a2afd30ca564","_type":"block","children":[{"_key":"3b189eacf653","_type":"span","marks":[],"text":"Investment Trusts can suit a range of different investment styles and goals. You can choose Trusts that focus on specific regions, such as Europe, the US, or emerging markets, or sectors like technology, healthcare, renewable energy, or infrastructure. There are also trusts that focus on niche areas like property or care homes, providing exposure to investments that may be otherwise difficult to access or trade (\""},{"_key":"e129343ccb8b","_type":"span","marks":["ea49f06947df"],"text":"illiquid"},{"_key":"1ce1ed5704d8","_type":"span","marks":[],"text":"\")."}],"markDefs":[{"_key":"ea49f06947df","_type":"glossaryPick","reference":{"_ref":"218d3eda-c963-4bda-8132-0eaae6e1bbd2","_type":"reference"}}],"style":"normal"},{"_key":"c894f0d25c5d","_type":"block","children":[{"_key":"f974a8a3f536","_type":"span","marks":[],"text":"One of the key benefits of Investment Trusts is their potential to provide regular income. Many Trusts pay cash "},{"_key":"6b1303b80038","_type":"span","marks":["5a8128b50585"],"text":"dividends"},{"_key":"90e3bcf565f8","_type":"span","marks":[],"text":", which is why they're popular with income-seeking investors such as retirees. Investment Trusts can also retain income in strong years, allowing them to continue paying dividends during more difficult periods - a feature known as dividend smoothing."}],"markDefs":[{"_key":"5a8128b50585","_type":"glossaryPick","reference":{"_ref":"879c473d-ba07-433e-ad4d-217e24243b54","_type":"reference"}}],"style":"normal"},{"_key":"080731a11e49","_type":"block","children":[{"_key":"67dabc5842bb","_type":"span","marks":[],"text":"In summary, Investment Trusts offer a flexible, expert-led way to invest in a variety of markets and sectors, with the added bonus of potentially generating a regular stream of income too."}],"markDefs":[],"style":"normal"},{"_key":"a37339e7a09b","_type":"block","children":[{"_key":"b6119c2d8f7f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e7c00b3b2796","_type":"block","children":[{"_key":"90093847ab80","_type":"span","marks":[],"text":""},{"_key":"1a8346fe9d68","_type":"mainAnchor","pageAnchor":{"_ref":"5ffe43cc-7428-4545-b43c-a810adab8ac1","_type":"reference"}},{"_key":"2c07e60a4da8","_type":"span","marks":[],"text":"Are Investment Trusts right for me?"}],"markDefs":[],"style":"h2"},{"_key":"da726e264102","_type":"prosConsWidget","cons":["Need access to your money at short notice","Are new to investing and don’t want to mess with discounts, premiums, or volatility","Are risk-averse and would prefer to stick with cash or something similar"],"consTitle":"Bad if you ","pros":["Are comfortable with the idea of ups and downs","Want access to a broad range of investments but don’t fancy picking stocks yourself","Trust the pros to steer the ship"],"prosTitle":"Good if you "},{"_key":"bbc4c864c5f9","_type":"block","children":[{"_key":"a5b4d9a5a452","_type":"span","marks":[],"text":""},{"_key":"3ef2a2f4dd4f","_type":"mainAnchor","pageAnchor":{"_ref":"09d9805b-5e03-4907-a23c-c60f5705185a","_type":"reference"}},{"_key":"274fef21dfed","_type":"span","marks":[],"text":"The pros of Investment Trusts"}],"markDefs":[],"style":"h2"},{"_key":"50439097ee4c","_type":"block","children":[{"_key":"b901a4fc88b2","_type":"span","marks":["strong"],"text":"Investment Trusts suit investors who are comfortable with ups and downs, want broad market access without picking stocks themselves, and trust a professional manager to make the calls."}],"markDefs":[],"style":"normal"},{"_key":"987121fd1d55","_type":"block","children":[{"_key":"b066335137b2","_type":"span","marks":[],"text":"✅ Potential for higher returns"}],"markDefs":[],"style":"h3"},{"_key":"3e95d338e20f","_type":"block","children":[{"_key":"3228d62622a3","_type":"span","marks":[],"text":"Investment Trusts can borrow money to try and boost returns with a process called “"},{"_key":"93ad4aee2bcf","_type":"span","marks":["915385f7dc42"],"text":"gearing"},{"_key":"dbb790e24479","_type":"span","marks":[],"text":".” If the Trust’s underlying investments do well, borrowing can help make magnify the gains. Also, because Investment Trusts don’t have to sell investments when shareholders take their money out (unlike other types of fund), the manager has the freedom to focus on long-term growth without being forced to react to short-term panic. So investors also benefit from having an expert at the helm with the discretion to make informed decisions to maximise profit. 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"}],"markDefs":[],"style":"normal"},{"_key":"09f8756504e9","_type":"block","children":[{"_key":"c9cbbb226677","_type":"span","marks":[],"text":"This creates a smoother, more reliable stream of income for investors. It’s especially useful for people who rely on dividends to pay the bills, such as those in retirement, or anyone who simply prefers a consistent drip of income rather than big highs and lows. Some Trusts have done this so well that they’ve managed to increase their dividend every single year for decades, even during financial crises and market crashes. "}],"markDefs":[],"style":"normal"},{"_key":"b1bd31ed541b","_type":"block","children":[{"_key":"55fa0c0f896c","_type":"span","marks":[],"text":"✅ Independent oversight"}],"markDefs":[],"style":"h3"},{"_key":"25a4a648d1f6","_type":"block","children":[{"_key":"825a8816d961","_type":"span","marks":[],"text":"Every Investment Trust has its own independent board of directors and their job is to make sure everything’s running as it should. Think of them like a watchdog or a built-in quality control team. 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This kind of independent oversight is a big plus for Investment Trusts and not something you always get with other types of funds."}],"markDefs":[],"style":"normal"},{"_key":"31f57f469a2a","_type":"block","children":[{"_key":"6ca323b7abc8","_type":"span","marks":[],"text":""},{"_key":"055d612bcc97","_type":"mainAnchor","pageAnchor":{"_ref":"21f22319-470e-48eb-ab11-956075d6cba5","_type":"reference"}},{"_key":"ec4985853e6e","_type":"span","marks":[],"text":"The cons of Investment Trusts"}],"markDefs":[],"style":"h2"},{"_key":"7b3df5c5a3d0","_type":"block","children":[{"_key":"48feed4e932e","_type":"span","marks":["strong"],"text":"Investment Trust share prices can trade at a premium or discount to the actual value of their assets, gearing can amplify losses as well as gains, and smaller or niche trusts can be harder to sell quickly."}],"markDefs":[],"style":"normal"},{"_key":"a8124a8c29f3","_type":"block","children":[{"_key":"a20f416997cc","_type":"span","marks":[],"text":"❌ More complex pricing"}],"markDefs":[],"style":"h3"},{"_key":"e67850bac45d","_type":"block","children":[{"_key":"b8362b4bf79f","_type":"span","marks":[],"text":"Investment Trusts are listed on the stock market, which means you buy and sell them just like shares. 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If markets fall, gearing can amplify losses, because the Trust still owes what it borrowed. That means a small market dip can lead to a bigger hit to your investment."}],"markDefs":[],"style":"normal"},{"_key":"32ee3a8b93d0","_type":"block","children":[{"_key":"849b6da99cad","_type":"span","marks":[],"text":"Think of it like going downhill on a bike - fast and fun when things are smooth, but risky if you hit a bump."}],"markDefs":[],"style":"normal"},{"_key":"ce08f334bd29","_type":"block","children":[{"_key":"492b89afc6c8","_type":"span","marks":[],"text":"Not all Trusts use gearing, and those that do vary in how much. If you're risk-averse, nearing retirement, or might need your money soon, a geared trust may not be the right fit. 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Each month, we go straight to the source - top UK platforms like AJ Bell, Fidelity, Hargreaves Lansdown and interactive investor - to find out which Investment Trusts are trending."}],"markDefs":[],"style":"normal"},{"_key":"d9389a028811","_type":"block","children":[{"_key":"25390b09675e","_type":"span","marks":[],"text":"Whether you're after inspiration, reassurance, or just a nosey peek at the crowd favourites, our regularly updated list reveals which Trusts are winning the popularity contest. 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Invest in funds"}],"markDefs":[],"style":"h4"},{"_key":"ff6d45c64e3c","_type":"block","children":[{"_key":"96aeb8b4d6300","_type":"span","marks":[],"text":"Collective funds offer an easy and convenient way to invest, popular with novice and experienced investors alike. They’re a collection of investments chosen and run by a fund manager, so you benefit from the knowledge, skills, and experience of a professional. With thousands of funds available, you can invest in a mix of asset types such as shares and bonds to spread the risk around."}],"markDefs":[],"style":"normal"},{"_key":"84a926e74405","_type":"block","children":[{"_key":"43e644c9dd27","_type":"span","marks":[],"text":"Read more on different types of funds in our guide "},{"_key":"24f91c076309","_type":"span","marks":["e244da925a0b"],"text":"here"},{"_key":"ad8d8987128d","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"e244da925a0b","_type":"internalLinkPick","reference":{"_id":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"information","_rev":"vIm9lhvf1eHBOprgleGFQF","_createdAt":"2021-06-22T10:49:30Z","_updatedAt":"2025-09-01T10:07:48Z","_system":{"base":{"id":"0bc8b13d-830e-4469-8ffe-6af27456b538","rev":"0iD6p61whJS2ZGE5T7VEFt"}},"authors":[{"_key":"9b488bad30a4","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"728ad57473cb","_type":"block","children":[{"_key":"150f7b31de0a","_type":"span","marks":[],"text":"By "},{"_key":"e55603603258","_type":"span","marks":["strong"],"text":"Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"e8df298b8c6b","_type":"anchorMenuMobile","title":"menu"},{"_key":"9473358fe106","_type":"block","children":[{"_key":"17cf1610cca6","_type":"span","marks":[],"text":""},{"_key":"91398572c6f0","_type":"mainAnchor","pageAnchor":{"_ref":"c092d7ca-1d59-4a6f-ae22-c1659dda889d","_type":"reference"}},{"_key":"6f92bc92429a","_type":"span","marks":[],"text":"What is a fund?"}],"markDefs":[],"style":"h2"},{"_key":"4f9ee0028862","_type":"block","children":[{"_key":"f102b7d00c72","_type":"span","marks":[],"text":"In a nutshell"}],"markDefs":[],"style":"h3"},{"_key":"e79c63c327eb","_type":"textboxWidget","text":[{"_key":"2121178f0ee6","_type":"block","children":[{"_key":"7d6a9f190010","_type":"span","marks":[],"text":"There are typically about 30-60 \"underlying investments\" in one fund"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d2a481641270","_type":"block","children":[{"_key":"22684174f3fa","_type":"span","marks":[],"text":"On average a single fund will cost about 0.75% in fees a year"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f3e088b52195","_type":"block","children":[{"_key":"d6ad20196bad","_type":"span","marks":[],"text":"Often a safer bet to invest than simply buying a few shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"216dcb5302ec","_type":"block","children":[{"_key":"9dd73649798a","_type":"span","marks":[],"text":"You can buy funds and put them in an ISA to keep your profits tax-free"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"97a80376b0f3","_type":"anchorMenuMobile","title":"s"},{"_key":"1653fdfc2af4","_type":"block","children":[{"_key":"2e2b2ab98724","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1b8d971c911d","_type":"block","children":[{"_key":"4507568d3a70","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. In other words, they're a great way to avoid making a clanger by choosing one duff share! Great for diversifying, investing overseas and for outsourcing the decision-making to a professional. "}],"markDefs":[],"style":"normal"},{"_key":"046672293a3e","_type":"block","children":[{"_key":"e15da747ad50","_type":"span","marks":[],"text":"Listen to our Founder & CEO Holly Mackay explain more about why funds are awesome in the helpful clip below."}],"markDefs":[],"style":"normal"},{"_key":"41b247f7f7f1","_type":"block","children":[{"_key":"1425f286ae8d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ee4659f373e2","_type":"mainVideo","url":"https://vimeo.com/829075140"},{"_key":"612f1e2f4f5c","_type":"block","children":[{"_key":"8b8077238e30","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8fde23f3fe04","_type":"block","children":[{"_key":"509c2688d6bd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3d8fbfc7b050","_type":"block","children":[{"_key":"32a1c0b03ecc","_type":"span","marks":[],"text":"A single fund will typically have about 30-60 different \"underlying investments\" in it. This spreads the risk around and hedges your bets, so rather than having to go and buy 30-60 individual shares all by yourself, you can just buy one fund and be done with it!"}],"markDefs":[],"style":"normal"},{"_key":"e8ce2e0fe91f","_type":"block","children":[{"_key":"942f0caaddf8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f9d2b7cefb40","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Most investors have between about 8 and 16 different Funds to get a good mix and spread their bets around!"},"text":[{"_key":"4e12795ee2ca","_type":"block","children":[{"_key":"40e2815c5d05","_type":"span","marks":["strong"],"text":"Top tip: Most investors have between about 8 and 16 different funds to get a good mix and spread their bets around!"}],"markDefs":[],"style":"normal"}]},{"_key":"faec06074b53","_type":"block","children":[{"_key":"3f1ea2ce7311","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"29e8456aa90b","_type":"block","children":[{"_key":"12710694212a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"16c468186b94","_type":"block","children":[{"_key":"8aa0e26dff77","_type":"span","marks":[],"text":"You can think of investing in funds like buying a mixed case of wine - you don't have to be a connoisseur and someone else picks the contents they think are good. Funds come in lots of different flavours - such as multi-asset funds or exchange-traded funds. More on these later."}],"markDefs":[],"style":"normal"},{"_key":"90feae1f7eb6","_type":"block","children":[{"_key":"1915aec3fabb","_type":"span","marks":[],"text":""},{"__inline":true,"_key":"5ccd7b870fec","_type":"mainAnchor","children":[{"_key":"ut1xgBnP3A4eT38f4GGbAL","text":""}],"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"},"value":{"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"}}},{"_key":"3fc8bd064d62","_type":"span","marks":[],"text":"Are funds right for me?"}],"markDefs":[],"style":"h2"},{"_key":"f4e25a5df60e","_type":"block","children":[{"_key":"fa0bcaef29cd","_type":"span","marks":[],"text":"On average, investors hold 49% of their investments in funds, making them one of the most popular investment vehicles out there. But are funds really the right option for you? "}],"markDefs":[],"style":"normal"},{"_key":"fed979756bbe","_type":"block","children":[{"_key":"64b6ad599651","_type":"span","marks":[],"text":"If you prefer the freedom and flexibility of choosing which companies to invest in, shares may be a better choice. However, funds can also be highly diversified, which means your investments might be spread across different regions, sectors and assets. This reduces the risk of any one event, such as a political crisis in a single region, having a significant impact on your investments."}],"markDefs":[],"style":"normal"},{"_key":"e1ad6cc3a02a","_type":"block","children":[{"_key":"a8b55972e4dd","_type":"span","marks":[],"text":"So really it comes down to your personal preference. Here's a round-up of some of the main pros and cons to help you decide if investing in funds is the right choice for you."}],"markDefs":[],"style":"normal"},{"_key":"434d193075a7","_type":"block","children":[{"_key":"0e7fe5da01de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4bc700b962a5","_type":"prosConsWidget","cons":["Don't want to pay a fee","Want to pick your own shares","Want to trade regularly"],"consTitle":"Bad if you ","pros":["Want a broad mix of different shares","Want to invest abroad too","Aren't a whizz trader "],"prosTitle":"Good if you"},{"_key":"48067afe70fe","_type":"block","children":[{"_key":"0361b14633a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cec017f1a38c","_type":"block","children":[{"_key":"172137ada71e","_type":"span","marks":[],"text":""},{"_key":"de53e982c4a9","_type":"mainAnchor","pageAnchor":{"_ref":"60941be5-1a4f-426e-b588-7699bee46271","_type":"reference"}},{"_key":"87cf346319c6","_type":"span","marks":[],"text":"Why invest in a fund?"}],"markDefs":[],"style":"h2"},{"_key":"93dc72ad81a4","_type":"block","children":[{"_key":"3338ff4b26c50","_type":"span","marks":[],"text":"A fund is simply the compilation album of the investing world! It’s a nice way to get someone at the sharp end of finance to pick and manage your investments from the bewildering array of bonds and shares on the market. Let’s give a really simple example. "}],"markDefs":[],"style":"normal"},{"_key":"a9403754dc28","_type":"block","children":[{"_key":"01c95b2b86ac","_type":"span","marks":[],"text":"If we ran the Boring Money UK Shares Fund (which we don’t), we might look at all the UK shares out there and say that HSBC, Shell, ITV and GlaxoSmithKline make the grade. And add them to our investment mix. But chuck out Barclays and Burberry and Sainsburys (all random examples by the way, not tips!). "}],"markDefs":[],"style":"normal"},{"_key":"7669a7ac791c","_type":"block","children":[{"_key":"d7e81010a760","_type":"span","marks":[],"text":"We’d end up with, say, 50 shares in our compilation album, which we bought for £1 each in our pretend world. So our fund would be worth £50. And we might sell 50 units to people for £1 each. "}],"markDefs":[],"style":"normal"},{"_key":"786bce77dbb8","_type":"block","children":[{"_key":"da65bc2f373e","_type":"span","marks":[],"text":"The benefit is that for a small investment of just £1, our investors would have a teeny fraction of an investment in 50 different British companies. And we would run and manage this pool of investments for you - so no need to get the calculator out and crunch any numbers!"}],"markDefs":[],"style":"normal"},{"_key":"985ff58d82e6","_type":"block","children":[{"_key":"2ad32b5454aa","_type":"span","marks":[],"text":"There are thousands of funds out there, all with different flavours, and they're among the best ways to get expert help on picking the right investments."}],"markDefs":[],"style":"normal"},{"_key":"362c2e7dfc09","_type":"block","children":[{"_key":"d766349dbf40","_type":"span","marks":[],"text":""},{"_key":"364cd3c1e445","_type":"mainAnchor","pageAnchor":{"_ref":"a5632083-6993-47e2-9bc1-07d0a86ad84c","_type":"reference"}},{"_key":"0a68034d99f40","_type":"span","marks":[],"text":"The three main fund structures "}],"markDefs":[],"style":"h2"},{"_key":"4b7b2b21499a","_type":"block","children":[{"_key":"5d8b72478bbb","_type":"span","marks":[],"text":""},{"_key":"e02338579d1e","_type":"mainAnchor","pageAnchor":{"_ref":"bcd041ed-8ed5-4fc7-8abd-21ee28def30c","_type":"reference"}},{"_key":"6c2a9ecc53f30","_type":"span","marks":[],"text":"1. Mutual fund – also known as an open-ended fund, OEIC or UCITS fund"}],"markDefs":[],"style":"h3"},{"_key":"3460d916f7b2","_type":"block","children":[{"_key":"0325a805ebd40","_type":"span","marks":[],"text":"A mutual fund combines money from multiple investors, which a professional manager invests according to the fund’s goals, such as growth or income, often focusing on specific sectors like European stocks or technology. Being “open-ended,” the fund can adjust its shares based on investor activity, with its value matching the combined value of its holdings. Investors can monitor performance daily through services like Morningstar, comparing it to similar funds or benchmarks like the FTSE All Share for UK funds."}],"markDefs":[],"style":"normal"},{"_key":"9f8832eee9c7","_type":"block","children":[{"_key":"b0249a4aa624","_type":"span","marks":[],"text":""},{"_key":"777c7f3bd35c","_type":"mainAnchor","pageAnchor":{"_ref":"b8467767-7e11-4c31-bea1-aa9f5262781c","_type":"reference"}},{"_key":"6722e89ace4a","_type":"span","marks":[],"text":"2. ETF – or exchange-traded fund"}],"markDefs":[],"style":"h3"},{"_key":"ac1f21c74e0a","_type":"block","children":[{"_key":"189a0849a0f50","_type":"span","marks":[],"text":"ETFs, or Exchange-Traded Funds, are investment funds that provide low-cost, diversified access to various markets, similar to mutual funds. Unlike mutual funds, ETFs trade on stock exchanges, with their prices fluctuating throughout the day based on supply and demand. ETFs often aim to track specific assets, like major stock indices (e.g., S&P 500), commodities, or even currencies. They can be structured using \"physical\" methods (owning a bit of each asset in the index) or \"synthetic\" methods (using derivatives to mimic asset performance). ETFs can also offer leveraged or inverse options to enhance potential gains or bet against an asset's price. They are generally affordable, easy to trade, and flexible for various investment strategies."}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"6add2d498f76","_type":"block","children":[{"_key":"14d23d4bf09a","_type":"span","marks":["strong"],"text":"Discover more about ETFs and how they work"}],"markDefs":[],"style":"normal"}],"_key":"090c0fe4bbd4","_type":"ctaWidget","reference":{"_ref":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"reference"},"text":"ETF HUB"},{"_key":"3734671b2a32","_type":"block","children":[{"_key":"ebc0f19e9b3d0","_type":"span","marks":[],"text":"3. Investment Trusts"}],"markDefs":[],"style":"h3"},{"_key":"47687a68ef20","_type":"block","children":[{"_key":"22745b29c849","_type":"span","marks":[],"text":"Investment trusts are publicly listed companies that pool investors' money to buy shares, bonds, or other assets like property. Managed by a board that oversees the fund manager, they operate as \"closed-ended\" funds, meaning they don’t need to buy or sell assets as investors come and go. This structure suits less liquid investments, and they can also save income from strong years to pay out in weaker ones, offering a steadier return. Investors can buy shares at market prices, sometimes below the actual asset value, and have many options for building a diverse portfolio. Read more on how mutual funds compare to ETFs and Investment Trusts "},{"_key":"3ac6a8b34f46","_type":"span","marks":["bd12d349ce04"],"text":"here"},{"_key":"f569af0635c5","_type":"span","marks":[],"text":". \n"}],"markDefs":[{"_key":"bd12d349ce04","_type":"internalLinkPick","reference":{"_ref":"508b9184-a3ee-4f2c-b9cd-5c61ac88dfaa","_type":"reference"}}],"style":"normal"},{"LeftSideText":[{"_key":"bcb044ecf5ab","_type":"block","children":[{"_key":"ba7542cf4442","_type":"span","marks":["strong"],"text":"Find out all you need to know about Investment Trusts in our hub"}],"markDefs":[],"style":"normal"}],"_key":"c677d8dce5ad","_type":"ctaWidget","reference":{"_ref":"c4a944ee-6d37-4a32-ad78-476434729026","_type":"reference"},"text":"READ MORE"},{"_key":"90c958e3a76f","_type":"block","children":[{"_key":"58ff5f53dc6e","_type":"span","marks":[],"text":""},{"_key":"d942deccb966","_type":"mainAnchor","pageAnchor":{"_ref":"614ab4cf-e295-402a-90a2-ddce00934029","_type":"reference"}},{"_key":"45fae644733a","_type":"span","marks":[],"text":"Bonds vs shares"}],"markDefs":[],"style":"h2"},{"_key":"e90ad037fc44","_type":"block","children":[{"_key":"69fbf9a8af22","_type":"span","marks":[],"text":"When it comes to investing with funds, you'll often see the \"portfolio\" - that is, what the fund is actually invested in - broken down into different assets. The two most common assets are bonds and shares, but what actually are they?"}],"markDefs":[],"style":"normal"},{"_key":"112a4d6cbc9f","_type":"block","children":[{"_key":"c6616cbb00f7","_type":"span","marks":[],"text":"What is a bond?"}],"markDefs":[],"style":"h3"},{"_key":"55297b26fffd","_type":"block","children":[{"_key":"f9ec30e1d7d7","_type":"span","marks":[],"text":"Owning a bond is kind of getting an IOU from a government or a company – you buy their bond and you’re lending them money. The dicier the prospect of getting your cash back, the more ‘interest’ they will pay you to compensate for the risk. So an Ecuadorian mining company bond would pay a gazillion times more than the relatively staid UK government, for example. It’s a riskier loan so they’ll compensate you more for taking this extra risk. "}],"markDefs":[],"style":"normal"},{"_key":"ad246f1d9a03","_type":"block","children":[{"_key":"d33daf52853b","_type":"span","marks":[],"text":"Bonds are influenced by interest rates, so they’re behaving a bit weirdly at the moment. If you lend the UK government money for 10 years, they’ll pay you about 4% (at the time of writing). And inflation is hovering around the 10% mark. So you’ll see why bonds are paying attractive rates at the moment - the UK economy is currently grappling with the risk of high inflation!"}],"markDefs":[],"style":"normal"},{"_key":"66a2cb7a79bb","_type":"block","children":[{"_key":"f67dc90952da","_type":"span","marks":[],"text":"What is a share?"}],"markDefs":[],"style":"h3"},{"_key":"42ec8b2bfea7","_type":"block","children":[{"_key":"d7677c521ef0","_type":"span","marks":[],"text":"Shares are also known as ‘equities’ or ‘stocks’. If you own shares, you buy little pieces of the world’s biggest companies. And tie your fortunes to theirs. It's these shares that make up the majority of most funds. "}],"markDefs":[],"style":"normal"},{"_key":"87391d64e98f","_type":"block","children":[{"_key":"50f803a42246","_type":"span","marks":[],"text":"As a rule of thumb, most ‘equity’ focused funds will have about 40-60 shares in them, although some fund managers have fewer, sticking to their convictions more about which shares are duds and which ones are winners. "}],"markDefs":[],"style":"normal"},{"_key":"230865d11ff5","_type":"block","children":[{"_key":"81251b61e60c","_type":"span","marks":[],"text":"Shares are also one of the few investments where you can get a decent income. Companies often pay out a share of their profits as dividends. The key is to look for an ‘equity income’ fund. Pick the right one and you could get an income of around 3-4% a year!"}],"markDefs":[],"style":"normal"},{"_key":"06e377758cad","_type":"block","children":[{"_key":"d4019195a987","_type":"span","marks":[],"text":"The balance between bonds and shares"}],"markDefs":[],"style":"h3"},{"_key":"46cf69523ea8","_type":"block","children":[{"_key":"d519404d9cb6","_type":"span","marks":[],"text":"Many suggest diversifying, which means a sort-of Combo Meal of bonds "},{"_key":"a61d5d5863e0","_type":"span","marks":["em"],"text":"and "},{"_key":"2e722c7e508b","_type":"span","marks":[],"text":"shares. Over the long-term, bonds are usually seen as safer and less choppy than shares, but many believe they will make you less over the long-run too. On the other hand, the stock market can potentially make you profit over the longer-term, but can come with significant short-term risk."}],"markDefs":[],"style":"normal"},{"_key":"c973c0042a75","_type":"block","children":[{"_key":"c0025ecc2c48","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c1f67febb327","_type":"prosConsWidget","pros":["You're nearing retirement age","You're not keen on stock market risk"],"prosTitle":"BONDS are better for you if"},{"_key":"e27629a359a2","_type":"block","children":[{"_key":"e48f0db1ddad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a30ea1e3729e","_type":"prosConsWidget","pros":["You can tolerate the concept of stock market risk","You've got lots of time before you need to access your cash"],"prosTitle":"SHARES are better for you if"},{"_key":"03b6c39b6bf2","_type":"block","children":[{"_key":"1ee6f1df4158","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ed118f277297","_type":"block","children":[{"_key":"e3ed41cc210b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c4556aebdc3","_type":"block","children":[{"_key":"59b8e9cbba60","_type":"span","marks":[],"text":"As a general rule of thumb, if you’re a spring chicken and investing for ages in the future, you should probably look at "},{"_key":"0f04bd6e7f43","_type":"span","marks":["em"],"text":"mostly "},{"_key":"0a524dc1e267","_type":"span","marks":[],"text":"shares. If you’re getting on and likely to need your money soon, people typically prefer bonds because they’re less likely to crash as dramatically as shares, leaving you high and dry if you need to cash in your investments. "}],"markDefs":[],"style":"normal"},{"_key":"c44bbef6d561","_type":"block","children":[{"_key":"e1b0274abca3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f871776e39d7","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "},"text":[{"_key":"dc826f13da73","_type":"block","children":[{"_key":"92f0eb6df824","_type":"span","marks":["strong"],"text":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "}],"markDefs":[],"style":"normal"}]},{"_key":"f7d5fb36fe0f","_type":"block","children":[{"_key":"db6952c70b24","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19431081595a","_type":"block","children":[{"_key":"6e263f6e0c3f","_type":"span","marks":[],"text":""},{"_key":"394165043e4a","_type":"mainAnchor","pageAnchor":{"_ref":"f0e25e55-88ef-4bd3-96fb-2ea766606d57","_type":"reference"}},{"_key":"d81d41f1e8ee1","_type":"span","marks":[],"text":"Active vs passive"}],"markDefs":[],"style":"h2"},{"_key":"97fd1b6cacb5","_type":"block","children":[{"_key":"b1149c8e019a","_type":"span","marks":[],"text":"Another couple of phrases you'll often see when investing in funds is 'active' and 'passive', but as the world of finance is renowned for being full of jargon, no one ever seems to explain what these are! Here's what they actually mean and why they matter when deciding on the right fund for you."}],"markDefs":[],"style":"normal"},{"_key":"4f4328ace20e","_type":"block","children":[{"_key":"267b07472f39","_type":"span","marks":[],"text":"What is an active fund?"}],"markDefs":[],"style":"h3"},{"_key":"965f3e1b9c85","_type":"block","children":[{"_key":"7e7c85ce1d910","_type":"span","marks":[],"text":"Most funds in the market are what we call ‘active’. An active fund manager, by definition, thinks he or she is smarter than the average investor. A clever clogs. They think they can spot a bargain. Spot the dog before others. Identify the region that is about to go belly-up. So they pick and choose. If you buy an active fund which invests in shares, you'll usually pay a fee to the fund manager of about 75p-95p for every £100 you entrust to them. "}],"markDefs":[],"style":"normal"},{"_key":"dd074314f1cf","_type":"block","children":[{"_key":"e2405d675768","_type":"span","marks":[],"text":"What is a passive fund?"}],"markDefs":[],"style":"h3"},{"_key":"b9d2cd328e0c","_type":"block","children":[{"_key":"9da255300335","_type":"span","marks":[],"text":"Passive funds, on the other hand, are devoid of ego and opinion. They're the well-behaved end of the fund market. No one makes a call on whether Share A is better than Share B. They simply follow what we call an index - or a list of shares or bonds in any given market. They buy them in proportion to their size and no judgement calls are made. If you buy a passive fund which invests in shares, you'll usually pay a fee to the fund manager of about 8-12p for every £100 you entrust to them. It’s a lot cheaper because it’s run by a computer, rather than an expensive human. "}],"markDefs":[],"style":"normal"},{"_key":"365e8264db90","_type":"block","children":[{"_key":"faa5a312feb3","_type":"span","marks":[],"text":"How to decide between active vs passive funds"}],"markDefs":[],"style":"h3"},{"_key":"b8221aa671cb","_type":"block","children":[{"_key":"4799dbdc92b40","_type":"span","marks":[],"text":"There are pros and cons to each approach. Passive funds will tend to be cheaper and have performed well over much of the past decade as a result of strong performance from the technology giants (which form a large share of most capitalisation-weighted indices). However, they can have certain biases – the MSCI World has a 70%+ weighting to the US[2],  for example. Equally, bond indices can have higher weights in companies that have issued the most bonds – i.e. the most indebted. 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It’s less pressure on you and means your portfolio is likely to do better than if you managed it yourself (because you’ve got an expert making all the decisions, after all)."}],"markDefs":[],"style":"normal"},{"_key":"d61f42f71094","_type":"block","children":[{"_key":"e4871389a7bc","_type":"span","marks":[],"text":""},{"_key":"cb686d172848","_type":"mainAnchor","pageAnchor":{"_ref":"ae53200e-4c18-4516-9c27-7232613428f4","_type":"reference"}},{"_key":"f6aae1827928","_type":"span","marks":[],"text":"✅ Can pick your preferred risk level"}],"markDefs":[],"style":"h3"},{"_key":"9aefcdb6cc19","_type":"block","children":[{"_key":"92075c6f724d","_type":"span","marks":[],"text":"Many ready-made portfolios are ranked by their risk level (broadly speaking, how much exposure they have to shares vs less volatile assets like bonds). 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After all, there are tens of thousands of investment options out there, offered by a growing number of investment platforms. I think ready-made portfolios can be a good starting point. These are off-the-peg portfolios and offered by most investment platforms. They are ideal for people who don't want to spend their time handpicking funds and learning the ins and outs. They don't require you to make any decisions about what to invest in. The only questions you'll need to answer are about how much risk you are willing to take on."}],"markDefs":[],"style":"normal"}]},{"_key":"d1c8ce807752","_type":"block","children":[{"_key":"529ab8a31dcc","_type":"span","marks":[],"text":""},{"_key":"db928b2e64b8","_type":"mainAnchor","pageAnchor":{"_ref":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"reference"}},{"_key":"c9fd2f6ab095","_type":"span","marks":[],"text":"What are the cons of ready-made portfolios?"}],"markDefs":[],"style":"h2"},{"_key":"1b2e2db3eae4","_type":"block","children":[{"_key":"4db14c105fff","_type":"span","marks":["strong"],"text":"The main drawbacks are limited investment choice, potentially higher costs through a robo-adviser and difficulty comparing performance across providers."}],"markDefs":[],"style":"normal"},{"_key":"9701fedd8172","_type":"block","children":[{"_key":"e19f4c941d4b","_type":"span","marks":[],"text":""},{"_key":"f652477a950f","_type":"mainAnchor","pageAnchor":{"_ref":"f7bfd443-0667-4ed8-a204-d14224f4feae","_type":"reference"}},{"_key":"badf8df9a789","_type":"span","marks":[],"text":"❌ Not enough choice"}],"markDefs":[],"style":"h3"},{"_key":"d8a15008fa5d","_type":"block","children":[{"_key":"d748871ab1a9","_type":"span","marks":[],"text":"If you’re a more experienced investor or someone who would prefer to have control over the ins and outs of their investments, a ready-made portfolio isn’t going to give you enough choice. All the decisions about what the portfolio is invested in, the proportion each element makes up of the whole and whether or not any adjustments are necessary are made for you – so if you want to be in total control, it’s not for you."}],"markDefs":[],"style":"normal"},{"_key":"00941053b8cf","_type":"block","children":[{"_key":"0be4f48a8010","_type":"span","marks":[],"text":""},{"_key":"48144685f283","_type":"mainAnchor","pageAnchor":{"_ref":"51c9ec3b-283f-439f-8475-964151d80f2b","_type":"reference"}},{"_key":"8969169c47b3","_type":"span","marks":[],"text":"❌ Can be expensive"}],"markDefs":[],"style":"h3"},{"_key":"d59831db12af","_type":"block","children":[{"_key":"d28e8fadda4e","_type":"span","marks":[],"text":"Ready-made portfolios can come with a higher price tag if you buy them through a"},{"_key":"2046e2f7789b","_type":"span","marks":["371b58d7b032"],"text":" robo adviser"},{"_key":"ea084cb7ca23","_type":"span","marks":[],"text":". This is because robo advisers typically offer a rebalancing service where your portfolio is continually monitored and adjusted using complex algorithms and AI designed to match your chosen level of investment risk (more on robo advisers and risk later). You’re essentially paying a bit extra for the convenience of not having to do this number-crunching – or the admin of manually tweaking your investments – yourself.  For some this isn’t worth it, but for others, some extra money every year for someone else to do the hard work is a sacrifice worth making. "}],"markDefs":[{"_key":"371b58d7b032","_type":"glossaryPick","reference":{"_ref":"a4f2c20d-3281-4d94-abdb-4a361ef45dab","_type":"reference"}}],"style":"normal"},{"_key":"7d9c5d5222b3","_type":"block","children":[{"_key":"976cd411fcf4","_type":"span","marks":[],"text":"Alternatively, ready-made portfolios cost the same amount on a standard investment platform as buying all the individual investments separately on the same platform. But for many investors, and particularly for beginners, if you’re happy with what a ready-made portfolio is investing in, it's usually easier to just buy it. Otherwise you're managing dozens of individual investments separately for the same end cost."}],"markDefs":[],"style":"normal"},{"_key":"714ff3fd4efc","_type":"block","children":[{"_key":"852b280917d7","_type":"span","marks":[],"text":""},{"_key":"04f08902b23a","_type":"mainAnchor","pageAnchor":{"_ref":"4c907ba2-4736-40b1-9cbc-d4a67ed183f2","_type":"reference"}},{"_key":"6ceeced9d06a","_type":"span","marks":[],"text":"❌ Hard to compare performance"}],"markDefs":[],"style":"h3"},{"_key":"f64b86f5afcd","_type":"block","children":[{"_key":"bd2f100d6f1b0","_type":"span","marks":[],"text":"There’s a large selection of ready-made portfolios on the market, all of which can invest in very different things in very different ways, which can make it difficult to compare how the one you’ve got is doing relative to similar ones. This could mean you end up sticking around in a portfolio which is underperforming simply because you’re not aware of its relative performance. "}],"markDefs":[],"style":"normal"},{"_key":"706f68ae82ac","_type":"block","children":[{"_key":"e18954c2940e","_type":"span","marks":[],"text":"Fortunately, we’ve got just fix for that - "},{"_key":"24db6d8b3e40","_type":"span","marks":["5e4ffac83d08"],"text":"click here"},{"_key":"9e947ac64466","_type":"span","marks":[],"text":" to see the latest performance results from the UK's top ready-made portfolio providers. "}],"markDefs":[{"_key":"5e4ffac83d08","_type":"internalLinkPick","reference":{"_ref":"9759ddeb-6a13-408b-9fb3-4b03280fa475","_type":"reference"}}],"style":"normal"},{"_key":"9d7b668936f0","_type":"block","children":[{"_key":"ca9cec0117b7","_type":"span","marks":[],"text":""},{"_key":"5cd5e1d68f45","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"e8fe8a7219dc","_type":"span","marks":[],"text":"Top questions on ready-made portfolios"}],"markDefs":[],"style":"h2"},{"_key":"e689c6ec2420","_type":"block","children":[{"_key":"cfac45cad209","_type":"span","marks":[],"text":"How much do ready-made portfolios cost?"}],"markDefs":[],"style":"h3"},{"_key":"bbdc8bc5795d","_type":"block","children":[{"_key":"176dd5566bb7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9d741607ffb8","_type":"textboxWidget","image":{"_type":"mainImage","alt":"💡 All-in fees are typically in the range of between 0.50 - 1% per year."},"text":[{"_key":"39e59e8b504d","_type":"block","children":[{"_key":"58347245920d","_type":"span","marks":[],"text":"💡"},{"_key":"2437b6c33d1a","_type":"span","marks":["strong"],"text":" All-in fees are typically in the range of between 0.50 - 1% per year."}],"markDefs":[],"style":"normal"}]},{"_key":"26004d4bc6ca","_type":"block","children":[{"_key":"cb896735a55b0","_type":"span","marks":[],"text":"The cost of investing in a ready-made portfolio depends on which one you choose and the provider that runs it. All-in fees are typically in the range of between 0.50 - 1% per year. "}],"markDefs":[],"style":"normal"},{"_key":"47000acf2489","_type":"block","children":[{"_key":"285e9351cfbe","_type":"span","marks":[],"text":"See how the Boring Money analysts rate the costs of ready-made solutions across different pricing scenarios below"}],"markDefs":[],"style":"normal"},{"_key":"ffa6948a3cec","_type":"frameWidget","href":"https://www.canva.com/design/DAHDdOoh13Q/PV58xgqF_Alg8RV94V6uWA/view?embed"},{"_key":"4dfb663757e4","_type":"block","children":[{"_key":"8bd12e398357","_type":"span","marks":["em"],"text":"Source: Boring Money Data, correct as at 01/03/2026"}],"markDefs":[],"style":"normal"},{"_key":"3b5ad8b04f10","_type":"block","children":[{"_key":"e39bc5ec0cea","_type":"span","marks":[],"text":"Ready-made portfolios bought from a robo-adviser are usually on the higher end of this scale. However, as we mentioned before, you’re effectively paying for the convenience of the robo adviser to select and monitor all the underlying investments for you on an ongoing basis. This means that the price is sometimes a bit higher, but there’s less effort required from you to regularly tweak and rebalance your portfolio by yourself."}],"markDefs":[],"style":"normal"},{"_key":"6eabbce8b1ce","_type":"block","children":[{"_key":"429b0608ca66","_type":"span","marks":[],"text":""},{"_key":"732c3e42c6b1","_type":"mainAnchor","pageAnchor":{"_ref":"282a43f9-0565-46fe-aa52-8a66a420d68a","_type":"reference"}},{"_key":"2cb08af59ddd","_type":"span","marks":[],"text":"What’s the difference between a multi-asset fund and a ready-made portfolio? "}],"markDefs":[],"style":"h3"},{"_key":"b0a88c6ba6cb","_type":"block","children":[{"_key":"057476df7b6c","_type":"span","marks":[],"text":"A multi-asset fund is a single fund that holds a variety of different assets. A "},{"_key":"31ab943afc9f","_type":"span","marks":["876aa3b004a1"],"text":"ready-made portfolio"},{"_key":"97a3916ed8cc","_type":"span","marks":[],"text":", on the other hand, is usually a bundle of different funds (often including multi-asset funds) prepared by an investment provider to match "}],"markDefs":[{"_key":"876aa3b004a1","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"242ee40ac74f","_type":"block","children":[{"_key":"51fdb12bddd7","_type":"span","marks":[],"text":"Think of the fund as one dish and the portfolio as the whole buffet."}],"markDefs":[],"style":"normal"},{"_key":"317c0d081502","_type":"block","children":[{"_key":"5772c15edf52","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9060d899741d","_type":"tableControl","rows":[{"_key":"7e51deb836d3","_type":"row","cells":[{"_key":"f79d114c10a9","_type":"cell","tableStyle":"DB","value":[{"_key":"db14d1ee515e","_type":"block","children":[{"_key":"f54fcb46e9ca","_type":"span","marks":["strong"],"text":"Multi-asset fund"}],"markDefs":[],"style":"normal"}]},{"_key":"ec9b259076b3","_type":"cell","tableStyle":"DB","value":[{"_key":"b8e4014834b2","_type":"block","children":[{"_key":"94bf261b4147","_type":"span","marks":["strong"],"text":"Ready-made portfolio"}],"markDefs":[],"style":"normal"}]}]},{"_key":"e7fbd6e6219c","_type":"row","cells":[{"_key":"86b27cce148b","_type":"cell","tableStyle":"W","value":[{"_key":"c2004c5b3b00","_type":"block","children":[{"_key":"53fbbf0726950","_type":"span","marks":[],"text":"A single fund that provides exposure to multiple assets within one product – for example, bonds, shares "},{"_key":"b8ea44672d72","_type":"span","marks":["em"],"text":"and "},{"_key":"2b6384c2e993","_type":"span","marks":[],"text":"commodities."}],"markDefs":[],"style":"normal"}]},{"_key":"210631dccfd3","_type":"cell","tableStyle":"W","value":[{"_key":"570b344f46cf","_type":"block","children":[{"_key":"3a526871864d0","_type":"span","marks":[],"text":"A type of multi-asset fund which provides a blend of bond and equity exposure depending on your tolerance for risk (more on this below)."}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB"},{"_key":"125dfe6fa1b2","_type":"block","children":[{"_key":"f9cdfa0bf2f7","_type":"span","marks":[],"text":""},{"_key":"ac1102b3e9b4","_type":"mainAnchor","pageAnchor":{"_ref":"949df85c-448c-42b2-96e9-1eba6b556a6a","_type":"reference"}},{"_key":"2c4c835751a20","_type":"span","marks":[],"text":"How do I know which risk level is right for me?"}],"markDefs":[],"style":"h3"},{"_key":"cb9b02161637","_type":"block","children":[{"_key":"22cb3bcee2c0","_type":"span","marks":["strong"],"text":"Risk tolerance mainly comes down to your investing timeframe - the longer you can leave your money invested, the more short-term risk you can typically afford to take."}],"markDefs":[],"style":"normal"},{"_key":"12f2937f6de7","_type":"block","children":[{"_key":"df5f6bb4c3ea0","_type":"span","marks":[],"text":"Deciding how much risk you’re willing to tolerate with your investments is ultimately a personal decision. It’s important however to understand what we really mean when we talk about investment ‘risk’ before you make a decision."}],"markDefs":[],"style":"normal"},{"_key":"921a38fb4d03","_type":"block","children":[{"_key":"bbb7b3c50de90","_type":"span","marks":[],"text":"It’s not the same as - let's say - gambling, skiing down the black run, or even driving on the motorway at 100 miles per hour. Investment risk is actually all about volatility and how much the stock market can fluctuate over a given period of time. If you're investing over 30 years, for example, the ups and downs of today don't matter as much because you’ve got plenty of time to make up for any poor performances. But if, on the other hand, you’re investing for only 5 years, your investments would have a lot less time to recover if markets took a dip. So you can see, timeframes play a huge role in investment risk."}],"markDefs":[],"style":"normal"},{"_key":"339ffa75ca9d","_type":"block","children":[{"_key":"1c50a1db9038","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ab8a58ed19f8","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","alt":"Holly Mackay on investing risk and timeframes","asset":{"_ref":"image-09007f04fb546b786000b2729947b6dfc2f690aa-606x438-jpg","_type":"reference"}},"quote":[{"_key":"ea64f9ed170b","_type":"block","children":[{"_key":"b9917d105263","_type":"span","marks":[],"text":"As a rule of thumb, the more risk you take, the greater the chance of higher returns over the long-term. However, only you will know which category is right for you. Generally speaking, if your investment time horizon is ten years or more, then you could consider the higher risk portfolios. For those people investing with shorter time horizons - five years or so - or who don't have an appetite for alarming ups and downs, the low risk portfolios could be a good option. In theory, they should offer a smoother investment ride; they will make less over the long-term, but face less short-term volatility. Less than five years though and cash may be your best bet."}],"markDefs":[],"style":"normal"}]},{"_key":"82fedf2607f2","_type":"block","children":[{"_key":"8fd35a343b0f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2c835a525aea","_type":"block","children":[{"_key":"1ef87a462c1a0","_type":"span","marks":[],"text":"It’s also important to remember the very real risk of underestimating the impact of "},{"_key":"978d3055f439","_type":"span","marks":["1a8ada013d70"],"text":"inflation"},{"_key":"6d0cbd2e7e61","_type":"span","marks":[],"text":" on cash. Though it’s understandable to feel unsure and even nervous about investing your money, you could be locking yourself into losses if you leave your money in a current account or low interest savings account. Inflation will chew away at your pot over the longer-term and you could end up with savings that are worth considerably less than they were when you started. For example, if inflation is at 5% and you’re only earning 3% interest on your current account, then you’re actually losing 2% in real terms."}],"markDefs":[{"_key":"1a8ada013d70","_type":"glossaryPick","reference":{"_ref":"9d62b1af-7674-4f39-ba20-b0154d565241","_type":"reference"}}],"style":"normal"},{"_key":"7225e60d248d","_type":"block","children":[{"_key":"6b1ed8141a9d0","_type":"span","marks":[],"text":"For those aiming to save for five years or less, this is less of a concern, but the cumulative effect of inflation over periods longer than this could erode the value of your savings. So if you’re going to be investing for five years or more, for most people it’s generally worth considering investing to protect yourself against the corroding power of inflation."}],"markDefs":[],"style":"normal"},{"_key":"5d1fd8f05194","_type":"block","children":[{"_key":"07a69a2d5c5a0","_type":"span","marks":[],"text":"The table below is a very rough guide of how your investing timeframes can inform the level of risk that’s best for you – your ‘risk tolerance’. Of course, this is ultimately a personal decision and there are no guarantees when it comes to investing; your money can go up in value as well as down, no matter how ‘risky’ your investments are advertised to be. But you may find the rules of thumb below a helpful guide for understanding a reasonable level of risk depending on your timeframe."}],"markDefs":[],"style":"normal"},{"_key":"f47fae813a52","_type":"block","children":[{"_key":"46cf9400f4ee","_type":"span","marks":[],"text":""},{"_key":"6c686393f934","_type":"mainAnchor","pageAnchor":{"_ref":"ef9f9b62-2865-4b44-a20b-074d00b916d2","_type":"reference"}},{"_key":"dbaed6fe75790","_type":"span","marks":[],"text":"Risk tolerance according to timeframe"}],"markDefs":[],"style":"h3"},{"_key":"5ea074d7b146","_type":"tableControl","rows":[{"_key":"58d6d663aa05","_type":"row","cells":[{"_key":"66259efebabc","_type":"cell","tableStyle":"DB","value":[{"_key":"a10009de14fc","_type":"block","children":[{"_key":"e4b0c40a50db","_type":"span","marks":["strong"],"text":"Your investing timeframe"}],"markDefs":[],"style":"normal"}]},{"_key":"2885dffb3d8e","_type":"cell","tableStyle":"DB","value":[{"_key":"6644784315d3","_type":"block","children":[{"_key":"3d11c73a48bf","_type":"span","marks":["strong"],"text":"5 years or less"}],"markDefs":[],"style":"normal"}]},{"_key":"8a51465c8a46","_type":"cell","tableStyle":"DB","value":[{"_key":"fbbcb801ac0a","_type":"block","children":[{"_key":"3074f6c97fd6","_type":"span","marks":["strong"],"text":"5-10 years"}],"markDefs":[],"style":"normal"}]},{"_key":"c7362725e67c","_type":"cell","tableStyle":"DB","value":[{"_key":"bb73b28d30f7","_type":"block","children":[{"_key":"fa27110624ff","_type":"span","marks":["strong"],"text":"10 years or more"}],"markDefs":[],"style":"normal"}]}]},{"_key":"fae2d542bb4d","_type":"row","cells":[{"_key":"1d85ab1d3098","_type":"cell","tableStyle":"W","value":[{"_key":"90fd8e2a0b0c","_type":"block","children":[{"_key":"b16a307dcc7e","_type":"span","marks":["strong"],"text":"How much risk is right for you?"}],"markDefs":[],"style":"normal"}]},{"_key":"7373cced3a67","_type":"cell","tableStyle":"W","value":[{"_key":"d6b19a73c6d4","_type":"block","children":[{"_key":"b211174962250","_type":"span","marks":[],"text":"Low or very low - cash may be best if you can get an interest rate in line with or above inflation"}],"markDefs":[],"style":"normal"}]},{"_key":"06b18995b956","_type":"cell","tableStyle":"W","value":[{"_key":"d9bff909ab3d","_type":"block","children":[{"_key":"8ec698e26aff0","_type":"span","marks":[],"text":"Medium"}],"markDefs":[],"style":"normal"}]},{"_key":"efbbf2cac0c8","_type":"cell","tableStyle":"W","value":[{"_key":"b0d87324ec8e","_type":"block","children":[{"_key":"c5b91cb0cab90","_type":"span","marks":[],"text":"High"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB"},{"_key":"10b738ec6d57","_type":"block","children":[{"_key":"71c2cefc6dfb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8cde6de03745","_type":"quickSurveyChooser","surveyChoose":{"_ref":"ebe4f739-6846-40e6-bcc9-3b582ccad896","_type":"reference"}},{"_key":"b000ddd2b784","_type":"block","children":[{"_key":"1eb6cde1fb3a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9d4766e2ccf8","_type":"block","children":[{"_key":"f103a958b7a3","_type":"span","marks":[],"text":""},{"_key":"6dd4299d16f9","_type":"mainAnchor","pageAnchor":{"_ref":"b0688bee-4247-4342-91e0-d2c1953682b6","_type":"reference"}},{"_key":"780bb962f545","_type":"span","marks":[],"text":"What is the best performing ready-made portfolio?"}],"markDefs":[],"style":"h3"},{"_key":"20c3ad432ff1","_type":"block","children":[{"_key":"41b5068de1950","_type":"span","marks":[],"text":"As there are so many ready-made portfolios on the market, and because they all contain different investments split in different ways, it can be hard to compare and determine if the one you’re investing in is actually performing well – or if, maybe, it’s not living up to your expectations. That’s where we come in. "}],"markDefs":[],"style":"normal"},{"_key":"f7653de76ffb","_type":"block","children":[{"_key":"f620afc9a94e","_type":"span","marks":[],"text":"Every quarter (three months), we crunch the numbers for you and analyse the ready-made investment market to identify the top performers, so you can see how well your investment is faring compared to similar portfolios. 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It’s less pressure on you and means your portfolio is likely to do better than if you managed it yourself (because you’ve got an expert making all the decisions, after all)."}],"markDefs":[],"style":"normal"},{"_key":"d61f42f71094","_type":"block","children":[{"_key":"e4871389a7bc","_type":"span","marks":[],"text":""},{"_key":"cb686d172848","_type":"mainAnchor","pageAnchor":{"_ref":"ae53200e-4c18-4516-9c27-7232613428f4","_type":"reference"}},{"_key":"f6aae1827928","_type":"span","marks":[],"text":"✅ Can pick your preferred risk level"}],"markDefs":[],"style":"h3"},{"_key":"9aefcdb6cc19","_type":"block","children":[{"_key":"92075c6f724d","_type":"span","marks":[],"text":"Many ready-made portfolios are ranked by their risk level (broadly speaking, how much exposure they have to shares vs less volatile assets like bonds). 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After all, there are tens of thousands of investment options out there, offered by a growing number of investment platforms. I think ready-made portfolios can be a good starting point. These are off-the-peg portfolios and offered by most investment platforms. They are ideal for people who don't want to spend their time handpicking funds and learning the ins and outs. They don't require you to make any decisions about what to invest in. The only questions you'll need to answer are about how much risk you are willing to take on."}],"markDefs":[],"style":"normal"}]},{"_key":"d1c8ce807752","_type":"block","children":[{"_key":"529ab8a31dcc","_type":"span","marks":[],"text":""},{"_key":"db928b2e64b8","_type":"mainAnchor","pageAnchor":{"_ref":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"reference"}},{"_key":"c9fd2f6ab095","_type":"span","marks":[],"text":"What are the cons of ready-made portfolios?"}],"markDefs":[],"style":"h2"},{"_key":"1b2e2db3eae4","_type":"block","children":[{"_key":"4db14c105fff","_type":"span","marks":["strong"],"text":"The main drawbacks are limited investment choice, potentially higher costs through a robo-adviser and difficulty comparing performance across providers."}],"markDefs":[],"style":"normal"},{"_key":"9701fedd8172","_type":"block","children":[{"_key":"e19f4c941d4b","_type":"span","marks":[],"text":""},{"_key":"f652477a950f","_type":"mainAnchor","pageAnchor":{"_ref":"f7bfd443-0667-4ed8-a204-d14224f4feae","_type":"reference"}},{"_key":"badf8df9a789","_type":"span","marks":[],"text":"❌ Not enough choice"}],"markDefs":[],"style":"h3"},{"_key":"d8a15008fa5d","_type":"block","children":[{"_key":"d748871ab1a9","_type":"span","marks":[],"text":"If you’re a more experienced investor or someone who would prefer to have control over the ins and outs of their investments, a ready-made portfolio isn’t going to give you enough choice. All the decisions about what the portfolio is invested in, the proportion each element makes up of the whole and whether or not any adjustments are necessary are made for you – so if you want to be in total control, it’s not for you."}],"markDefs":[],"style":"normal"},{"_key":"00941053b8cf","_type":"block","children":[{"_key":"0be4f48a8010","_type":"span","marks":[],"text":""},{"_key":"48144685f283","_type":"mainAnchor","pageAnchor":{"_ref":"51c9ec3b-283f-439f-8475-964151d80f2b","_type":"reference"}},{"_key":"8969169c47b3","_type":"span","marks":[],"text":"❌ Can be expensive"}],"markDefs":[],"style":"h3"},{"_key":"d59831db12af","_type":"block","children":[{"_key":"d28e8fadda4e","_type":"span","marks":[],"text":"Ready-made portfolios can come with a higher price tag if you buy them through a"},{"_key":"2046e2f7789b","_type":"span","marks":["371b58d7b032"],"text":" robo adviser"},{"_key":"ea084cb7ca23","_type":"span","marks":[],"text":". This is because robo advisers typically offer a rebalancing service where your portfolio is continually monitored and adjusted using complex algorithms and AI designed to match your chosen level of investment risk (more on robo advisers and risk later). You’re essentially paying a bit extra for the convenience of not having to do this number-crunching – or the admin of manually tweaking your investments – yourself.  For some this isn’t worth it, but for others, some extra money every year for someone else to do the hard work is a sacrifice worth making. "}],"markDefs":[{"_key":"371b58d7b032","_type":"glossaryPick","reference":{"_ref":"a4f2c20d-3281-4d94-abdb-4a361ef45dab","_type":"reference"}}],"style":"normal"},{"_key":"7d9c5d5222b3","_type":"block","children":[{"_key":"976cd411fcf4","_type":"span","marks":[],"text":"Alternatively, ready-made portfolios cost the same amount on a standard investment platform as buying all the individual investments separately on the same platform. But for many investors, and particularly for beginners, if you’re happy with what a ready-made portfolio is investing in, it's usually easier to just buy it. Otherwise you're managing dozens of individual investments separately for the same end cost."}],"markDefs":[],"style":"normal"},{"_key":"714ff3fd4efc","_type":"block","children":[{"_key":"852b280917d7","_type":"span","marks":[],"text":""},{"_key":"04f08902b23a","_type":"mainAnchor","pageAnchor":{"_ref":"4c907ba2-4736-40b1-9cbc-d4a67ed183f2","_type":"reference"}},{"_key":"6ceeced9d06a","_type":"span","marks":[],"text":"❌ Hard to compare performance"}],"markDefs":[],"style":"h3"},{"_key":"f64b86f5afcd","_type":"block","children":[{"_key":"bd2f100d6f1b0","_type":"span","marks":[],"text":"There’s a large selection of ready-made portfolios on the market, all of which can invest in very different things in very different ways, which can make it difficult to compare how the one you’ve got is doing relative to similar ones. This could mean you end up sticking around in a portfolio which is underperforming simply because you’re not aware of its relative performance. "}],"markDefs":[],"style":"normal"},{"_key":"706f68ae82ac","_type":"block","children":[{"_key":"e18954c2940e","_type":"span","marks":[],"text":"Fortunately, we’ve got just fix for that - "},{"_key":"24db6d8b3e40","_type":"span","marks":["5e4ffac83d08"],"text":"click here"},{"_key":"9e947ac64466","_type":"span","marks":[],"text":" to see the latest performance results from the UK's top ready-made portfolio providers. "}],"markDefs":[{"_key":"5e4ffac83d08","_type":"internalLinkPick","reference":{"_ref":"9759ddeb-6a13-408b-9fb3-4b03280fa475","_type":"reference"}}],"style":"normal"},{"_key":"9d7b668936f0","_type":"block","children":[{"_key":"ca9cec0117b7","_type":"span","marks":[],"text":""},{"_key":"5cd5e1d68f45","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"e8fe8a7219dc","_type":"span","marks":[],"text":"Top questions on ready-made portfolios"}],"markDefs":[],"style":"h2"},{"_key":"e689c6ec2420","_type":"block","children":[{"_key":"cfac45cad209","_type":"span","marks":[],"text":"How much do ready-made portfolios cost?"}],"markDefs":[],"style":"h3"},{"_key":"bbdc8bc5795d","_type":"block","children":[{"_key":"176dd5566bb7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9d741607ffb8","_type":"textboxWidget","image":{"_type":"mainImage","alt":"💡 All-in fees are typically in the range of between 0.50 - 1% per year."},"text":[{"_key":"39e59e8b504d","_type":"block","children":[{"_key":"58347245920d","_type":"span","marks":[],"text":"💡"},{"_key":"2437b6c33d1a","_type":"span","marks":["strong"],"text":" All-in fees are typically in the range of between 0.50 - 1% per year."}],"markDefs":[],"style":"normal"}]},{"_key":"26004d4bc6ca","_type":"block","children":[{"_key":"cb896735a55b0","_type":"span","marks":[],"text":"The cost of investing in a ready-made portfolio depends on which one you choose and the provider that runs it. All-in fees are typically in the range of between 0.50 - 1% per year. "}],"markDefs":[],"style":"normal"},{"_key":"47000acf2489","_type":"block","children":[{"_key":"285e9351cfbe","_type":"span","marks":[],"text":"See how the Boring Money analysts rate the costs of ready-made solutions across different pricing scenarios below"}],"markDefs":[],"style":"normal"},{"_key":"ffa6948a3cec","_type":"frameWidget","href":"https://www.canva.com/design/DAHDdOoh13Q/PV58xgqF_Alg8RV94V6uWA/view?embed"},{"_key":"4dfb663757e4","_type":"block","children":[{"_key":"8bd12e398357","_type":"span","marks":["em"],"text":"Source: Boring Money Data, correct as at 01/03/2026"}],"markDefs":[],"style":"normal"},{"_key":"3b5ad8b04f10","_type":"block","children":[{"_key":"e39bc5ec0cea","_type":"span","marks":[],"text":"Ready-made portfolios bought from a robo-adviser are usually on the higher end of this scale. However, as we mentioned before, you’re effectively paying for the convenience of the robo adviser to select and monitor all the underlying investments for you on an ongoing basis. This means that the price is sometimes a bit higher, but there’s less effort required from you to regularly tweak and rebalance your portfolio by yourself."}],"markDefs":[],"style":"normal"},{"_key":"6eabbce8b1ce","_type":"block","children":[{"_key":"429b0608ca66","_type":"span","marks":[],"text":""},{"_key":"732c3e42c6b1","_type":"mainAnchor","pageAnchor":{"_ref":"282a43f9-0565-46fe-aa52-8a66a420d68a","_type":"reference"}},{"_key":"2cb08af59ddd","_type":"span","marks":[],"text":"What’s the difference between a multi-asset fund and a ready-made portfolio? "}],"markDefs":[],"style":"h3"},{"_key":"b0a88c6ba6cb","_type":"block","children":[{"_key":"057476df7b6c","_type":"span","marks":[],"text":"A multi-asset fund is a single fund that holds a variety of different assets. A "},{"_key":"31ab943afc9f","_type":"span","marks":["876aa3b004a1"],"text":"ready-made portfolio"},{"_key":"97a3916ed8cc","_type":"span","marks":[],"text":", on the other hand, is usually a bundle of different funds (often including multi-asset funds) prepared by an investment provider to match "}],"markDefs":[{"_key":"876aa3b004a1","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"242ee40ac74f","_type":"block","children":[{"_key":"51fdb12bddd7","_type":"span","marks":[],"text":"Think of the fund as one dish and the portfolio as the whole buffet."}],"markDefs":[],"style":"normal"},{"_key":"317c0d081502","_type":"block","children":[{"_key":"5772c15edf52","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9060d899741d","_type":"tableControl","rows":[{"_key":"7e51deb836d3","_type":"row","cells":[{"_key":"f79d114c10a9","_type":"cell","tableStyle":"DB","value":[{"_key":"db14d1ee515e","_type":"block","children":[{"_key":"f54fcb46e9ca","_type":"span","marks":["strong"],"text":"Multi-asset fund"}],"markDefs":[],"style":"normal"}]},{"_key":"ec9b259076b3","_type":"cell","tableStyle":"DB","value":[{"_key":"b8e4014834b2","_type":"block","children":[{"_key":"94bf261b4147","_type":"span","marks":["strong"],"text":"Ready-made portfolio"}],"markDefs":[],"style":"normal"}]}]},{"_key":"e7fbd6e6219c","_type":"row","cells":[{"_key":"86b27cce148b","_type":"cell","tableStyle":"W","value":[{"_key":"c2004c5b3b00","_type":"block","children":[{"_key":"53fbbf0726950","_type":"span","marks":[],"text":"A single fund that provides exposure to multiple assets within one product – for example, bonds, shares "},{"_key":"b8ea44672d72","_type":"span","marks":["em"],"text":"and "},{"_key":"2b6384c2e993","_type":"span","marks":[],"text":"commodities."}],"markDefs":[],"style":"normal"}]},{"_key":"210631dccfd3","_type":"cell","tableStyle":"W","value":[{"_key":"570b344f46cf","_type":"block","children":[{"_key":"3a526871864d0","_type":"span","marks":[],"text":"A type of multi-asset fund which provides a blend of bond and equity exposure depending on your tolerance for risk (more on this below)."}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB"},{"_key":"125dfe6fa1b2","_type":"block","children":[{"_key":"f9cdfa0bf2f7","_type":"span","marks":[],"text":""},{"_key":"ac1102b3e9b4","_type":"mainAnchor","pageAnchor":{"_ref":"949df85c-448c-42b2-96e9-1eba6b556a6a","_type":"reference"}},{"_key":"2c4c835751a20","_type":"span","marks":[],"text":"How do I know which risk level is right for me?"}],"markDefs":[],"style":"h3"},{"_key":"cb9b02161637","_type":"block","children":[{"_key":"22cb3bcee2c0","_type":"span","marks":["strong"],"text":"Risk tolerance mainly comes down to your investing timeframe - the longer you can leave your money invested, the more short-term risk you can typically afford to take."}],"markDefs":[],"style":"normal"},{"_key":"12f2937f6de7","_type":"block","children":[{"_key":"df5f6bb4c3ea0","_type":"span","marks":[],"text":"Deciding how much risk you’re willing to tolerate with your investments is ultimately a personal decision. It’s important however to understand what we really mean when we talk about investment ‘risk’ before you make a decision."}],"markDefs":[],"style":"normal"},{"_key":"921a38fb4d03","_type":"block","children":[{"_key":"bbb7b3c50de90","_type":"span","marks":[],"text":"It’s not the same as - let's say - gambling, skiing down the black run, or even driving on the motorway at 100 miles per hour. Investment risk is actually all about volatility and how much the stock market can fluctuate over a given period of time. If you're investing over 30 years, for example, the ups and downs of today don't matter as much because you’ve got plenty of time to make up for any poor performances. But if, on the other hand, you’re investing for only 5 years, your investments would have a lot less time to recover if markets took a dip. So you can see, timeframes play a huge role in investment risk."}],"markDefs":[],"style":"normal"},{"_key":"339ffa75ca9d","_type":"block","children":[{"_key":"1c50a1db9038","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ab8a58ed19f8","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","alt":"Holly Mackay on investing risk and timeframes","asset":{"_ref":"image-09007f04fb546b786000b2729947b6dfc2f690aa-606x438-jpg","_type":"reference"}},"quote":[{"_key":"ea64f9ed170b","_type":"block","children":[{"_key":"b9917d105263","_type":"span","marks":[],"text":"As a rule of thumb, the more risk you take, the greater the chance of higher returns over the long-term. However, only you will know which category is right for you. Generally speaking, if your investment time horizon is ten years or more, then you could consider the higher risk portfolios. For those people investing with shorter time horizons - five years or so - or who don't have an appetite for alarming ups and downs, the low risk portfolios could be a good option. In theory, they should offer a smoother investment ride; they will make less over the long-term, but face less short-term volatility. Less than five years though and cash may be your best bet."}],"markDefs":[],"style":"normal"}]},{"_key":"82fedf2607f2","_type":"block","children":[{"_key":"8fd35a343b0f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2c835a525aea","_type":"block","children":[{"_key":"1ef87a462c1a0","_type":"span","marks":[],"text":"It’s also important to remember the very real risk of underestimating the impact of "},{"_key":"978d3055f439","_type":"span","marks":["1a8ada013d70"],"text":"inflation"},{"_key":"6d0cbd2e7e61","_type":"span","marks":[],"text":" on cash. Though it’s understandable to feel unsure and even nervous about investing your money, you could be locking yourself into losses if you leave your money in a current account or low interest savings account. Inflation will chew away at your pot over the longer-term and you could end up with savings that are worth considerably less than they were when you started. For example, if inflation is at 5% and you’re only earning 3% interest on your current account, then you’re actually losing 2% in real terms."}],"markDefs":[{"_key":"1a8ada013d70","_type":"glossaryPick","reference":{"_ref":"9d62b1af-7674-4f39-ba20-b0154d565241","_type":"reference"}}],"style":"normal"},{"_key":"7225e60d248d","_type":"block","children":[{"_key":"6b1ed8141a9d0","_type":"span","marks":[],"text":"For those aiming to save for five years or less, this is less of a concern, but the cumulative effect of inflation over periods longer than this could erode the value of your savings. So if you’re going to be investing for five years or more, for most people it’s generally worth considering investing to protect yourself against the corroding power of inflation."}],"markDefs":[],"style":"normal"},{"_key":"5d1fd8f05194","_type":"block","children":[{"_key":"07a69a2d5c5a0","_type":"span","marks":[],"text":"The table below is a very rough guide of how your investing timeframes can inform the level of risk that’s best for you – your ‘risk tolerance’. Of course, this is ultimately a personal decision and there are no guarantees when it comes to investing; your money can go up in value as well as down, no matter how ‘risky’ your investments are advertised to be. But you may find the rules of thumb below a helpful guide for understanding a reasonable level of risk depending on your timeframe."}],"markDefs":[],"style":"normal"},{"_key":"f47fae813a52","_type":"block","children":[{"_key":"46cf9400f4ee","_type":"span","marks":[],"text":""},{"_key":"6c686393f934","_type":"mainAnchor","pageAnchor":{"_ref":"ef9f9b62-2865-4b44-a20b-074d00b916d2","_type":"reference"}},{"_key":"dbaed6fe75790","_type":"span","marks":[],"text":"Risk tolerance according to timeframe"}],"markDefs":[],"style":"h3"},{"_key":"5ea074d7b146","_type":"tableControl","rows":[{"_key":"58d6d663aa05","_type":"row","cells":[{"_key":"66259efebabc","_type":"cell","tableStyle":"DB","value":[{"_key":"a10009de14fc","_type":"block","children":[{"_key":"e4b0c40a50db","_type":"span","marks":["strong"],"text":"Your investing timeframe"}],"markDefs":[],"style":"normal"}]},{"_key":"2885dffb3d8e","_type":"cell","tableStyle":"DB","value":[{"_key":"6644784315d3","_type":"block","children":[{"_key":"3d11c73a48bf","_type":"span","marks":["strong"],"text":"5 years or less"}],"markDefs":[],"style":"normal"}]},{"_key":"8a51465c8a46","_type":"cell","tableStyle":"DB","value":[{"_key":"fbbcb801ac0a","_type":"block","children":[{"_key":"3074f6c97fd6","_type":"span","marks":["strong"],"text":"5-10 years"}],"markDefs":[],"style":"normal"}]},{"_key":"c7362725e67c","_type":"cell","tableStyle":"DB","value":[{"_key":"bb73b28d30f7","_type":"block","children":[{"_key":"fa27110624ff","_type":"span","marks":["strong"],"text":"10 years or more"}],"markDefs":[],"style":"normal"}]}]},{"_key":"fae2d542bb4d","_type":"row","cells":[{"_key":"1d85ab1d3098","_type":"cell","tableStyle":"W","value":[{"_key":"90fd8e2a0b0c","_type":"block","children":[{"_key":"b16a307dcc7e","_type":"span","marks":["strong"],"text":"How much risk is right for you?"}],"markDefs":[],"style":"normal"}]},{"_key":"7373cced3a67","_type":"cell","tableStyle":"W","value":[{"_key":"d6b19a73c6d4","_type":"block","children":[{"_key":"b211174962250","_type":"span","marks":[],"text":"Low or very low - cash may be best if you can get an interest rate in line with or above inflation"}],"markDefs":[],"style":"normal"}]},{"_key":"06b18995b956","_type":"cell","tableStyle":"W","value":[{"_key":"d9bff909ab3d","_type":"block","children":[{"_key":"8ec698e26aff0","_type":"span","marks":[],"text":"Medium"}],"markDefs":[],"style":"normal"}]},{"_key":"efbbf2cac0c8","_type":"cell","tableStyle":"W","value":[{"_key":"b0d87324ec8e","_type":"block","children":[{"_key":"c5b91cb0cab90","_type":"span","marks":[],"text":"High"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB"},{"_key":"10b738ec6d57","_type":"block","children":[{"_key":"71c2cefc6dfb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8cde6de03745","_type":"quickSurveyChooser","surveyChoose":{"_ref":"ebe4f739-6846-40e6-bcc9-3b582ccad896","_type":"reference"}},{"_key":"b000ddd2b784","_type":"block","children":[{"_key":"1eb6cde1fb3a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9d4766e2ccf8","_type":"block","children":[{"_key":"f103a958b7a3","_type":"span","marks":[],"text":""},{"_key":"6dd4299d16f9","_type":"mainAnchor","pageAnchor":{"_ref":"b0688bee-4247-4342-91e0-d2c1953682b6","_type":"reference"}},{"_key":"780bb962f545","_type":"span","marks":[],"text":"What is the best performing ready-made portfolio?"}],"markDefs":[],"style":"h3"},{"_key":"20c3ad432ff1","_type":"block","children":[{"_key":"41b5068de1950","_type":"span","marks":[],"text":"As there are so many ready-made portfolios on the market, and because they all contain different investments split in different ways, it can be hard to compare and determine if the one you’re investing in is actually performing well – or if, maybe, it’s not living up to your expectations. That’s where we come in. "}],"markDefs":[],"style":"normal"},{"_key":"f7653de76ffb","_type":"block","children":[{"_key":"f620afc9a94e","_type":"span","marks":[],"text":"Every quarter (three months), we crunch the numbers for you and analyse the ready-made investment market to identify the top performers, so you can see how well your investment is faring compared to similar portfolios. 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Aviva was the standout over the 1-year period."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-46812bbe5749779730ec49b097bcb1aaed295fad-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"438392ea-c744-4e24-8103-b400107fe951","_type":"reference"},"title":"Low Risk Q2 2025"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q2 2025","titleLineClamp":1},{"_key":"af84e266d6a3cd362216d935ae727fcc","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"fb2406949157","_type":"block","children":[{"_key":"3481c3d9372c","_type":"span","marks":[],"text":"January - March 2025"}],"markDefs":[],"style":"h2"}],"styles":"Grey-Transparent","title":"January - March 2025"},{"_key":"79f5def24cc8357a1bffbdad2dbc57ae","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"12b03384830d","_type":"block","children":[{"_key":"c4ea6a7fc38b","_type":"span","marks":[],"text":"The average high risk portfolio in this content series returned -3.1% over Q1, with all providers showing negative performance over the period. AJ Bell did the best, with a loss of -0.3%, whilst Aviva and Moneybox had the weakest quarterly performance in this category with returns below -5%."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-1dda7eeae114a6308b976753d18d472e626a93e1-1920x1080-jpg","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"a3e6c038-2ea1-41a5-b79b-0c9cf647655f","_type":"reference"},"title":"High Risk Q1 2025"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"febdbb5a6cf5","_type":"block","children":[{"_key":"1952f7cfed8b","_type":"span","marks":[],"text":"The average medium risk portfolio returned -1.2% in Q1, with Bestinvest being the standout performer over this period and the only provider to not register negative growth after fees. 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and 5.8% across the past 12 months - although average returns over a 2-year period are still negative overall with -0.5%."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-92b3842cd4ff86e1cf0d20b6ad6a748ccbb22cab-1920x1080-png","_type":"reference"}},"reference":{"_ref":"dfb6696f-f551-429f-a52f-8bb953084a82","_type":"reference"},"title":"Low Risk Q1 2024"}],"equaliseHeight":true,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q1 2024","titleLineClamp":1},{"_key":"a0acc175336112a0a4f640e08c70dd28","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"October - December 2023"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"October - December 2023"},{"_key":"613b7c2f0810727533bc2f64047165ff","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"0d4f11e71a06","_type":"block","children":[{"_key":"3302b09be4990","_type":"span","marks":[],"text":"Performance of high risk portfolios in Q4 ranged from 4.9% to 7.4%. These portfolios will hold very high proportions of shares, and global stock markets typically posted strong gains in the last three months of 2023."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-ecf81965bb3c8cb142a832631a8f606b6ef0d891-8000x4500-png","_type":"reference"}},"reference":{"_ref":"aba48228-abcf-4733-b935-87a8435996b0","_type":"reference"},"title":"High Risk Q4 2023"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"28561ae4e205","_type":"block","children":[{"_key":"0102e69e8e520","_type":"span","marks":[],"text":"The top-performing medium risk portfolio across 2023 was Moneybox’s Balanced option, returning a chunky 12.2% for the year - of which 6.6% was clocked up in the last three months."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-110a6ff72817a772e5c5b08c3a5bc1ee592616cc-8000x4500-png","_type":"reference"}},"reference":{"_ref":"a1f2b394-0bd1-4b1a-9ad3-cead8d62a520","_type":"reference"},"title":"Medium Risk Q4 2023"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"ee8d09fdc454","_type":"block","children":[{"_key":"fa94048780cf0","_type":"span","marks":[],"text":"The adage for low risk portfolios in Q4 is that every dog has its day. Santander ready-made portfolios have a very high proportion of bonds, and their portfolios suffered in 2022 and 2023. However in Q4, it was precisely this allocation to these bonds which propelled the humble low risk portfolio, with just 17% in shares, to the top of the charts"}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-939b46171642f717df2e8f3ace8e65185896d40d-8000x4500-png","_type":"reference"}},"reference":{"_ref":"c62d0330-052c-4720-a351-9a8cd2041d0d","_type":"reference"},"title":"Low Risk Q4 2023"}],"equaliseHeight":false,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q4 2023","titleLineClamp":1},{"_key":"d842e622a75ff62bf410d4b9f1644dfa","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"July - September 2023"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"July - September 2023"},{"_key":"e8c7d3815a3fea71d8ecc62901e09c39","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"b4d701f68ffb","_type":"block","children":[{"_key":"352e54573394","_type":"span","marks":[],"text":"In general, global shares went down in Q3, after a promising first 6 months of 2023. Despite poorer performance over the last quarter, 2023 has been a much better year for shares than 2022. The average high risk portfolio in our content series has returned 7.4% across the past 12-months, compared to 0.04% in the past 24-months."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios in the third quarter for the high risk category","asset":{"_ref":"image-cfeaeebc07252915b1c3a796c1ca98b38ca5c39e-4000x2250-png","_type":"reference"}},"reference":{"_ref":"074163d4-e2ca-4551-a98d-9371b10a74f7","_type":"reference"},"title":"High Risk Q3 2023"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"f8252fe13171","_type":"block","children":[{"_key":"c73c5e4444a4","_type":"span","marks":[],"text":"The medium risk portfolios have lost an average of -5.5% over the past 2 years, with only AJ Bell's balanced fund posting a positive return over this timeframe. Interestingly, when looking over only the past 12-months instead, every portfolio has positive returns, which range from 2.9% - 7.5%. This is a more typical year and what we would expect for these mid-range portfolios which are a mix of shares and bonds."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios in the third quarter for the medium risk category","asset":{"_ref":"image-16c24679ec8a17a15bc894ae17de7eb5502a164d-4000x2250-png","_type":"reference"}},"reference":{"_ref":"5aba5cf7-dcb1-4105-9a53-aba00a65671f","_type":"reference"},"title":"Medium Risk Q3 2023"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"bc9569681a75","_type":"block","children":[{"_key":"39d991f1e22d","_type":"span","marks":[],"text":"Low risk portfolios have lost an average -9.2% in the past 2 years, which is over 16% lower than the average high risk portfolios in this content series. Say what?! If high negative returns from a 'low risk' investment over such a short timeframe feels bizarre to you - don't worry, it is. Research from Deutsche Bank suggests that 2022 had the worst combined total return for stocks and bonds, in an annual assessment that goes as far back as 1872!"}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios in the third quarter for the low risk category","asset":{"_ref":"image-2f2c4a877fbf746e8af5e68e3b125145623e6d61-4000x2250-png","_type":"reference"}},"reference":{"_ref":"97fc0c0e-a473-4bca-ab57-c7b1ad663cbd","_type":"reference"},"title":"Low Risk Q3 2023"}],"equaliseHeight":false,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q3 2023","titleLineClamp":1},{"_key":"d08ebc842e617860f73b692b3bcefcd1","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"April - June 2023"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"April - June 2023"},{"_key":"0feac38faee54b20838d7a7ba4497d34","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"0da228b17a65","_type":"block","children":[{"_key":"1a3109cfddb50","_type":"span","marks":[],"text":"Vanguard and AJ Bell have performed the best in this risk profile over the last 2 years, returning 6.9% and 6.6% respectively after all charges. At the other end of the scale, True Potential and Charles Stanley's portfolios struggled, with respective losses of 2.2% and 6.7% after charges."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performing ready made portfolio in the high risk category | Vanguard and AJ Bell","asset":{"_ref":"image-109711721a1384b2568fd19859765a9a1189fedf-1920x1080-png","_type":"reference"}},"reference":{"_ref":"aa5d92ca-8b25-4e96-bd38-8b8f1fce60fb","_type":"reference"},"title":"High Risk Q2 2023"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"8b110078251d","_type":"block","children":[{"_key":"af04e5684f460","_type":"span","marks":[],"text":"AJ Bell, Moneybox and HSBC have been the top performers here, whilst Nutmeg and Vanguard's LifeStrategy 40 have struggled. With around 40% in shares, we would expect solutions like Vanguard LifeStrategy 40 and Bestinvest’s Smart Cautious option to perform less strongly than others in this category with higher allocations to shares."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performer in medium risk investments funds category | AJ Bell, Moneybox and HSBC","asset":{"_ref":"image-905acd1a1338a121f48255d0f65f704fdb10e9af-1920x1080-png","_type":"reference"}},"reference":{"_ref":"b1f15cde-f1ff-42f6-ba5c-3274224b0a24","_type":"reference"},"title":"Medium Risk Q2 2023"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"9c55c2f305f0","_type":"block","children":[{"_key":"3018880fde570","_type":"span","marks":[],"text":"Amongst the low risk portfolios, Moneybox, AJ Bell and Charles Stanley have performed the best over the past 2 years, although they have posted losses 3.8%, 4.7% and 6.8% respectively. For context, the average low risk portfolio in our coverage returned -9.2%."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios the first quarter for low risk category | Moneybox, AJ Bell and Charles Stanley","asset":{"_ref":"image-8d46287c5069ac3e1f43b0e5b1bc18a3a0f3d82d-1920x1080-png","_type":"reference"}},"reference":{"_ref":"d2951da1-171b-4f93-9b7d-d60cef79b166","_type":"reference"},"title":"Low Risk Q2 2023"}],"equaliseHeight":false,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q2 2023","titleLineClamp":1},{"_key":"0ed5cc8086a1b7de65901f1598781f49","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"January - March 2023"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"January - March 2023"},{"_key":"d9797c1ba03070fa2e258a8fe08311af","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"645396b0bc39","_type":"block","children":[{"_key":"09893e79d0b40","_type":"span","marks":[],"text":"After a less-than-stellar year in 2022, ready-made portfolio results from Q1 2023 have been decidedly more positive. All of the high risk portfolios we track recorded growth between 1 January and 31 March. "}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performing ready made portfolio in the high risk category | AJ Bell ","asset":{"_ref":"image-89ad2e0dc65a371cc8a100a77d07499bdad5ca30-1920x1080-png","_type":"reference"}},"reference":{"_ref":"bcd850e6-2d4f-4418-ba97-919bb52b8e69","_type":"reference"},"title":"High Risk Q1 2023"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"7a7cf0f47a19","_type":"block","children":[{"_key":"576f41e3d9b10","_type":"span","marks":[],"text":"After disappointing results at times during 2022, ready-made portfolios have had a decidedly more positive time of it in Q1 2023. Every single one of the medium risk portfolios we track booked positive returns."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performer in medium risk investments funds category | AJ Bell ","asset":{"_ref":"image-2f014064122b6b9746382c3f94b08ca2623359d2-1920x1080-png","_type":"reference"}},"reference":{"_ref":"9a91e51a-6ddc-44de-a7bc-fa419c5298c6","_type":"reference"},"title":"Medium Risk Q1 2023"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"e74a1dcca941","_type":"block","children":[{"_key":"eed9369c0ebc0","_type":"span","marks":[],"text":"Following a less-than-stellar 2022, ready-made portfolio results from Q1 2023 have been decidedly more positive. Out of all of the low risk portfolios we track, only one booked negative growth between 1 January and 31 March."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios the first quarter for low risk category | Moneybox","asset":{"_ref":"image-0b90a63aeefb2d0cfb763d9058400416bb050c86-1920x1080-png","_type":"reference"}},"reference":{"_ref":"aa225021-17ea-43b9-b126-fb1bfa136cf9","_type":"reference"},"title":"Low Risk Q1 2023"}],"equaliseHeight":false,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q1 2023","titleLineClamp":1},{"_key":"5167c07001128e31fa3a741b9c74a159","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"e2080a4f9930","_type":"block","children":[{"_key":"6d139061e28a0","_type":"span","marks":[],"text":"October - December 2022"}],"markDefs":[],"style":"h2"}],"reference":{"_ref":"0f0c25f1-b898-4aba-9928-b089e8ffd6a0","_type":"reference"},"styles":"Grey-Transparent","title":"October - December 2022"},{"_key":"7f730c67ea73","_type":"bigBlockGroup","bigBlockItems":[{"_key":"2dd3cdc01462","_type":"bigBlockItem","introPara":[{"_key":"6be66962b967","_type":"block","children":[{"_key":"51ece88606b5","_type":"span","marks":[],"text":"Mostly thanks to the poor performance of UK bonds, high risk ready-made portfolios recorded slightly higher returns in Q4 2022 than the medium and low-risk options."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performing ready made portfolio in the high risk category | AJ Bell ","asset":{"_ref":"image-ad17451030c1c6db8eae0fe89b37cb2bfaa62790-1920x1080-png","_type":"reference"}},"reference":{"_ref":"19dec4f2-01f1-40a2-a00e-adfc9b4a8ba3","_type":"reference"},"title":"High Risk Q4 2022"},{"_key":"fd6d1820d10e","_type":"bigBlockItem","introPara":[{"_key":"f5b530186c43","_type":"block","children":[{"_key":"ac871bb222d5","_type":"span","marks":[],"text":"With a typically higher weighting in bonds than the high risk options, medium risk ready-made portfolios recorded sore losses in 2022, posting average losses of 10.7% for the year. These options typically have a range of between 40% and 60% in shares."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best performer in medium risk investments funds category | AJ Bell ","asset":{"_ref":"image-dd1487250f5817cf9517b2453131f4f435e449e4-1920x1080-png","_type":"reference"}},"reference":{"_ref":"456dd9c5-b9c9-4030-aae7-cfa59c221306","_type":"reference"},"title":"Medium Risk Q4 2022"},{"_key":"f886da0da3e3","_type":"bigBlockItem","introPara":[{"_key":"648cb295e1a2","_type":"block","children":[{"_key":"0ac1debde4ba","_type":"span","marks":[],"text":"The greatest victim of the tumbling bond prices we saw towards the end of September in 2022, which hammered returns. Things then bounced back in the last three months of the year as a semblance of calm returned."}],"markDefs":[],"style":"normal"}],"linkText":"READ MORE","mainImage":{"_type":"mainImage","alt":"Best Performing Investment Portfolios December 2022 for low risk category | AJ Bell","asset":{"_ref":"image-3e5e732747008796aaf7da4a80b50da53d9d93d6-1920x1080-png","_type":"reference"}},"reference":{"_ref":"6ab63823-b9a6-45a3-8d4a-63208ca2796a","_type":"reference"},"title":"Low Risk Q4 2022"}],"equaliseHeight":false,"layout":"3x3","paragraphLineClamp":4,"styles":"Grey-Transparent","title":"Q4 2022 Performance ","titleLineClamp":1},{"_key":"34b073a44293","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"052beedb53fd","_type":"block","children":[{"_key":"8ab895a997db","_type":"span","marks":[],"text":"Frequently Asked Questions About Ready-Made Portfolios "}],"markDefs":[],"style":"h2"}],"styles":"White"},{"_key":"9c6017ccc234d88426fe453775e60df5","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"f4b743c6f82c","_type":"block","children":[{"_key":"869cdd21ac6d","_type":"span","marks":[],"text":"What is a ready-made portfolio?"}],"markDefs":[],"style":"h3"},{"_key":"17680e730542","_type":"block","children":[{"_key":"13b8664c44b6","_type":"span","marks":[],"text":"A "},{"_key":"28bbcaa9bb62","_type":"span","marks":["36a94d506313"],"text":"ready-made portfolio "},{"_key":"f934bc804e0e","_type":"span","marks":[],"text":"is a premade bundle of investments which provides a blend of bonds and shares in different proportions depending on your tolerance for risk. Lower risk ready-made portfolios tend to invest in more bonds (generally considered lower risk investments), whereas higher risk ready-made portfolios tend to invest in more shares (generally considered higher risk investments). Ready-made portfolios are a subtype of multi-asset funds and are offered by asset managers as well as robo advisers."}],"markDefs":[{"_key":"36a94d506313","_type":"internalLinkPick","blank":true,"reference":{"_ref":"f0dc7406-2a3d-4a0a-83ea-da6186aad28a","_type":"reference"}}],"style":"normal"}],"styles":"White"},{"_key":"fccc490e1dfb512e207ff61391e3ba77","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"22de14416fff","_type":"block","children":[{"_key":"32bc3618f329","_type":"span","marks":[],"text":"What was the best-performing high-risk portfolio in Q2 2026?"}],"markDefs":[],"style":"h3"},{"_key":"6702062ed684","_type":"block","children":[{"_key":"b747db51ee1d","_type":"span","marks":[],"text":"Aviva Multi-asset Plus V led with a 14.9% return for April–June 2026, narrowly ahead of Charles Stanley Multi Asset Adventurous (14.8%) and Hargreaves Lansdown Adventurous Managed (14.3%).\n"}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"e20ab891bf53c0b167a3fc9380e8848a","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"22de14416fff","_type":"block","children":[{"_key":"32bc3618f329","_type":"span","marks":[],"text":"What was the best-performing medium-risk portfolio in Q2 2026?"}],"markDefs":[],"style":"h3"},{"_key":"de33ba12ef6b","_type":"block","children":[{"_key":"fa6c93f8147d","_type":"span","marks":[],"text":"Wealthify Ambitious topped the medium-risk category for April–June 2026 with an 11.7% return, ahead of Barclays Growth (10.2%) and Charles Stanley Multi Asset Moderate (9.6%).\n\n"}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"aacfe11ee1451622224c8e6798e64135","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"22de14416fff","_type":"block","children":[{"_key":"32bc3618f329","_type":"span","marks":[],"text":"What was the best-performing low-risk portfolio in Q2 2026?"}],"markDefs":[],"style":"h3"},{"_key":"de33ba12ef6b","_type":"block","children":[{"_key":"734b85544de2","_type":"span","marks":[],"text":"Wealthify Tentative led low-risk portfolios in Q2 2026, returning 6.8%. Charles Stanley Multi Asset Cautious (5.8%) and Scottish Widows Managed Growth 2 (5.5%) followed close behind.\n\n"}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"c5b2de750484727bf5e7f354cdfe6214","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"99d946268a20","_type":"block","children":[{"_key":"8532780f1553","_type":"span","marks":[],"text":"How often is this performance data updated?"}],"markDefs":[],"style":"h3"},{"_key":"de33ba12ef6b","_type":"block","children":[{"_key":"b572c5def4a9","_type":"span","marks":[],"text":"Boring Money publishes this round-up every quarter, tracking returns across low, medium, and high-risk ready-made portfolios from providers including Aviva, Charles Stanley, Hargreaves Lansdown, Wealthify, AJ Bell, and Vanguard, so you can see how each has performed most recently.\n\n\n"}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"181d73c14cf5fb1d8562937b7ec7d786","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"44664a995d18","_type":"block","children":[{"_key":"7e3a03a75f54","_type":"span","marks":[],"text":"How are ready-made portfolios grouped by risk?"}],"markDefs":[],"style":"h3"},{"_key":"de33ba12ef6b","_type":"block","children":[{"_key":"f0330003461f","_type":"span","marks":[],"text":"Ready-made portfolios are split into three bands - low, medium, and high risk - based on how much of each is held in shares versus bonds and cash. Higher-risk portfolios hold more shares and tend to see bigger swings in returns, both up and down.\n\n\n"}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"41e6899215fd12b42cc0caeb36d7ddc8","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"143e216bb411","_type":"block","children":[{"_key":"b982eaee4bd8","_type":"span","marks":[],"text":"Do ready-made portfolios always make money?"}],"markDefs":[],"style":"h3"},{"_key":"de33ba12ef6b","_type":"block","children":[{"_key":"370a0714ac9d","_type":"span","marks":[],"text":"No. Returns vary quarter to quarter and can be negative, particularly in higher-risk portfolios. Several high-risk portfolios, for example, posted losses in Q1 2026 before rebounding in Q2. Past performance isn't a guarantee of future returns.\n\n\n\n"}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"05977fae7e592b99cb7c74f837b5a112","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"70c8e232e6c3","_type":"block","children":[{"_key":"9c7c2606b873","_type":"span","marks":[],"text":"Which providers offer ready-made portfolios?"}],"markDefs":[],"style":"h3"},{"_key":"de33ba12ef6b","_type":"block","children":[{"_key":"fc421b068054","_type":"span","marks":[],"text":"Providers tracked by Boring Money include Aviva, Charles Stanley, Hargreaves Lansdown, Wealthify, AJ Bell, Vanguard, Barclays, Scottish Widows, Moneybox, Quilter Invest, Halifax, Bestinvest, and J.P. Morgan, spanning low, medium, and high-risk options.\n\n\n\n"}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"9b15976714ce2ad395a8661ece8e1ba3","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"d63aa2a0c924","_type":"block","children":[{"_key":"e61a5b5b48dd","_type":"span","marks":[],"text":"Is Boring Money paid by the providers it reviews?"}],"markDefs":[],"style":"h3"},{"_key":"de33ba12ef6b","_type":"block","children":[{"_key":"9603b0d7ff04","_type":"span","marks":[],"text":"Boring Money includes providers who want to be featured in our comparison tables. However, our reviews and performance data are not influenced by these sponsorships, as they are for marketing purposes only. All opinions expressed in our analysis remain independent.\n\n"}],"markDefs":[],"style":"normal"}],"styles":"White"},{"_key":"6006014f62bd7585403bb1cadad71f3a","_type":"titleSection","alignment":"Text Right","introPara":[{"_key":"0c993a13be8c","_type":"block","children":[{"_key":"01a816de8bd1","_type":"span","marks":[],"text":"Where can I find more detail on ready-made portfolios?"}],"markDefs":[],"style":"h3"},{"_key":"de33ba12ef6b","_type":"block","children":[{"_key":"c6c5a2171d4f","_type":"span","marks":[],"text":"Boring Money publishes a dedicated "},{"_key":"8c631efc3eeb","_type":"span","marks":["a1e4bfdd22d0"],"text":"guide"},{"_key":"f8bf3b5ca761","_type":"span","marks":[],"text":" explaining how ready-made portfolios work, who they suit, and how to choose one, alongside this quarterly performance round-up comparing returns across providers and risk levels.\n\n\n\n\n"}],"markDefs":[{"_key":"a1e4bfdd22d0","_type":"internalLinkPick","blank":true,"reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"}],"styles":"White"},{"_key":"ef3331aae2168b1aa658b3b872c5d861","_type":"smallSpacerBlock","styles":"Blue"},{"_key":"f42c93ac5a43","_type":"heroSection","alignment":"Text Left","introPara":[{"_key":"779185ce9ad8","_type":"block","children":[{"_key":"e55fe3965b64","_type":"span","marks":[],"text":"What is a ready-made portfolio?"}],"markDefs":[],"style":"h2"},{"_key":"70214f55ef21","_type":"block","children":[{"_key":"8e40384b381e","_type":"span","marks":[],"text":"Ready-made portfolios are the investing equivalent of a ready meal. Quick, easy, all done for you. Discover more about these premade investment portfolios, including how they work and who they're good for, in our no-nonsense guide."}],"markDefs":[],"style":"normal"}],"linkText":"READ GUIDE","mainImage":{"_type":"mainImage","asset":{"_ref":"image-7193a7d5b0dace716ec571390ff06983fb9fcd45-1920x1080-png","_type":"reference"},"blankAltTag":true},"reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"},"styles":"Half-Padding-Blue","title":"What is a ready-made portfolio?"},{"_key":"f78639064f90","_type":"smallSpacerBlock","styles":"Blue"}],"excerpt":[{"_key":"15f690eadec2","_type":"block","children":[{"_key":"7aef555c74bf","_type":"span","marks":[],"text":"Explore the best-performing ready-made investment portfolios with our quarterly round-up. Compare returns and risk levels to see how your investments are stacking up. Plus, delve into expert analysis on the market trends behind the numbers."}],"markDefs":[],"style":"normal"}],"publishedAt":"2026-08-11T14:51:45.112Z","slug":{"_type":"slug","current":"ready-made-solutions"},"subfolder":{"_ref":"898aefb3-376c-4738-ab71-6f9fc4cfb270","_type":"reference"},"theme":"Boring Money theme","title":"Top Performing Ready-Made Investments | Returns, Risk Levels & Market Analysis","id":"-35843912-cc31-5ff1-a951-b812a425fc5a","children":[],"parent":null}}],"style":"normal"},{"_key":"0052c7d492ab","_type":"block","children":[{"_key":"fb42873a4cf90","_type":"span","marks":[],"text":"Risk "},{"_key":"db71b869a35a","_type":"span","marks":["em"],"text":"can"},{"_key":"3d8e294aaa57","_type":"span","marks":[],"text":" be on your side"}],"markDefs":[],"style":"h3"},{"_key":"874f6f58c5a4","_type":"block","children":[{"_key":"f1c80b590a090","_type":"span","marks":[],"text":"Investors shouldn’t be nervous about stock market risk. It is an important part of the stronger long-term returns from stock markets. Stock markets will bounce around, but there are plenty of ways to mitigate this volatility and to build a portfolio that stays within your comfort levels."}],"markDefs":[],"style":"normal"},{"_key":"f286fcaac7d1","_type":"block","children":[{"_key":"d43f1e412b24","_type":"span","marks":[],"text":"\n---"}],"markDefs":[],"style":"normal"},{"_key":"0a99c5c2d58c","_type":"block","children":[{"_key":"66cc68cbb0d6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3a6bfcbefd4e","_type":"block","children":[{"_key":"7d5a4eec39d30","_type":"span","marks":["7b1c0f6175c1"],"text":"[1] Bank of England, September 2024"}],"markDefs":[{"_key":"7b1c0f6175c1","_type":"internalLinkPick","blank":true,"reference":{"_id":"f33f13c0-ee51-4bc3-9cc3-a5d9205a0e68","_type":"linkCategory","_rev":"O04dqLQVp3MU3JOJ2Diqsq","_createdAt":"2024-09-27T10:59:51Z","_updatedAt":"2024-09-27T11:00:01Z","description":"Bank of England inflation calculator","url":"https://www.bankofengland.co.uk/monetary-policy/inflation/inflation-calculator","id":"-ada91a8a-e01f-5eed-9ef3-2429d6849ddd","children":[],"parent":null}}],"style":"normal"},{"_key":"02f377b6bca7","_type":"block","children":[{"_key":"0a3ae20c34db","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"categories":[{"_id":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"category","_rev":"WL47ZrgxNpp8wbh75H7FrV","_createdAt":"2024-05-31T10:43:39Z","_updatedAt":"2024-05-31T11:56:50Z","title":"Guide","id":"-42823ea2-5742-58ea-be27-557d9d35eea7","children":[],"parent":null},{"_id":"f28a7c2a-9960-4603-b9f7-96ac9d8b88ee","_type":"category","_rev":"DmK61VtPyEhMsfOjcsZCmQ","_createdAt":"2021-07-16T09:19:45Z","_updatedAt":"2021-07-16T09:19:45Z","title":"Investing","id":"-044d50ad-fb0e-511b-be70-c9a4c196622d","children":[],"parent":null}],"excerpt":[{"_key":"6b026af21308","_type":"block","children":[{"_key":"9ca27129b4060","_type":"span","marks":[],"text":"Discover the true nature of investment risk, its importance, and practical strategies to manage it effectively. 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"}],"markDefs":[],"style":"normal"},{"_key":"09ec9b1aee24","_type":"block","children":[{"_key":"183737f6a32f","_type":"span","marks":[],"text":"Over time, even modest inflation can take a serious bite out of your financial plans:"}],"markDefs":[],"style":"normal"},{"_key":"46bdb60178ab","_type":"block","children":[{"_key":"e601ddc64d47","_type":"span","marks":["strong"],"text":"Retirement savings"},{"_key":"f24a4c6691ca","_type":"span","marks":[],"text":" lose spending power if they’re not invested to grow above inflation."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e29eb72eadd1","_type":"block","children":[{"_key":"0aef3bcce313","_type":"span","marks":["strong"],"text":"Savings for big goals "},{"_key":"f718d0fa1bf1","_type":"span","marks":[],"text":"(like a first home or children’s education) can fall short of the target amount needed."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"53061b285dae","_type":"block","children":[{"_key":"268cf5f2a773","_type":"span","marks":["strong"],"text":"Fixed-income assets"},{"_key":"a724bedcb0dd","_type":"span","marks":[],"text":", such as "},{"_key":"7fa1ca3a75e8","_type":"span","marks":["11fa52eb19ce"],"text":"bonds"},{"_key":"e4a5d360ee14","_type":"span","marks":[],"text":" or "},{"_key":"89f8ba6e4a53","_type":"span","marks":["593a68c7c0b5"],"text":"annuities"},{"_key":"2f2e7d68f206","_type":"span","marks":[],"text":", may offer less risk but can be particularly vulnerable to inflation's erosive effect."}],"level":1,"listItem":"bullet","markDefs":[{"_key":"11fa52eb19ce","_type":"internalLinkPick","reference":{"_id":"583a0e19-d23d-4df3-989f-54c2368f0d41","_type":"information","_rev":"b2rbZNiC5tFsz0XOZkTkWX","_createdAt":"2024-03-05T12:49:24Z","_updatedAt":"2026-08-20T08:52:40Z","_system":{"base":{"id":"583a0e19-d23d-4df3-989f-54c2368f0d41","rev":"VoOtV9CudNsDJXNHZqg1vl"}},"authors":[{"_key":"551ff377eecc","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"6f1a90c64937","_type":"block","children":[{"_key":"ba7b7e3cda98","_type":"span","marks":[],"text":"Written by "},{"_key":"f4b16c344c70","_type":"span","marks":["6942a6dbb046","strong"],"text":"Boring Money"}],"markDefs":[{"_key":"6942a6dbb046","_type":"internalLinkPick","blank":true,"reference":{"_ref":"d303d967-e483-4761-b7bf-65760d5b1b66","_type":"reference"}}],"style":"normal"}],"body":[{"_key":"11ded862ce6c","_type":"block","children":[{"_key":"5d4a805a91dd","_type":"span","marks":[],"text":""},{"_key":"70ca6864ca7e","_type":"mainAnchor","pageAnchor":{"_ref":"8a9e94ba-158d-46df-81d7-8e2885c6f16d","_type":"reference"}},{"_key":"6c858f0ed5aa0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h2"},{"_key":"1a70bbc79156","_type":"block","children":[{"_key":"beb11c4845d5","_type":"span","marks":["strong"],"text":"Bonds are one of the least exciting ways to invest, which at Boring Money, we think is exactly the point. Lend your money to a government or company, and you'll get regular interest payments plus your capital back at the end. Here's how bonds work, which types suit which investors, and where you can buy them on a UK platform in 2026."}],"markDefs":[],"style":"normal"},{"_key":"a0331d072765","_type":"mainVideo","url":"https://vimeo.com/1210167755?share=copy&fl=sv&fe=ci"},{"_key":"c58d36a4c147","_type":"block","children":[{"_key":"49b3a7eeedca","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f8b9f67e9cdb","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Bonds are loans to a government or company  They pay out regular interest payments  You get your initial investment back at the end of the loan term  You can buy and sell bonds on the stock market  They’re typically considered a lower risk type of investment"},"text":[{"_key":"e9d2f609e332","_type":"block","children":[{"_key":"55402732d608","_type":"span","marks":[],"text":"🥜In a nutshell"}],"markDefs":[],"style":"h4"},{"_key":"90b8406cd23c","_type":"block","children":[{"_key":"16b4bc5e4266","_type":"span","marks":[],"text":"Bonds are basically loans we make to a government or company"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1c788804cc9b","_type":"block","children":[{"_key":"7a4e2cb2d62a","_type":"span","marks":[],"text":"They pay out regular interest payments"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f98194689135","_type":"block","children":[{"_key":"2814afda9c86","_type":"span","marks":[],"text":"The value of the bond goes up and down"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ed5682aad208","_type":"block","children":[{"_key":"2946d7612fad","_type":"span","marks":[],"text":"UK government bonds are called ‘gilts’ and are largely tax-free for most investors"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7d58ed5946ec","_type":"block","children":[{"_key":"3fad1ba424fe","_type":"span","marks":[],"text":"You can buy and sell bonds on the stock market"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c7ce935aad7e","_type":"block","children":[{"_key":"f3d3225a459b","_type":"span","marks":[],"text":"They’re typically considered a lower-risk type of investment than shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"a5898c1fbd34","_type":"block","children":[{"_key":"e6ab8ba99ac0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"96ac0f65ce2a","_type":"block","children":[{"_key":"53400c3f58bc","_type":"span","marks":[],"text":""},{"_key":"37864ea28904","_type":"mainAnchor","pageAnchor":{"_ref":"dfe27455-bfae-4948-b858-040213000740","_type":"reference"}},{"_key":"3ffe180b5c08","_type":"span","marks":[],"text":"What is a bond?"}],"markDefs":[],"style":"h2"},{"_key":"bd662a56936b","_type":"block","children":[{"_key":"3edd8d78acdf","_type":"span","marks":["strong"],"text":"A bond is essentially an "},{"_key":"1435efd6a2c2","_type":"span","marks":["strong","9d2e692ea03c"],"text":"IOU"},{"_key":"37e305aecb2b","_type":"span","marks":["strong"],"text":". You lend money to a government or company for a set period, and in return they pay you regular interest (called a coupon) plus your original amount back when the bond matures. It's a way to earn a predictable income without the ups and downs of the stock market."}],"markDefs":[{"_key":"9d2e692ea03c","_type":"glossaryPick","reference":{"_ref":"d4ff67ec-a996-4f2b-b24e-cf8dfda57f3e","_type":"reference"}}],"style":"normal"},{"_key":"dcfde07f8f11","_type":"block","children":[{"_key":"e6ab8ba99ac0","_type":"span","marks":[],"text":"Put simply, bonds are a form of loan issued by a business or a government. When you buy a bond (or a piece of the bond), you’re lending your money to this “issuer”. In exchange, the issuer promises to pay the bondholder (that’s you) a fixed interest payment at regular intervals until the loan matures (when you will get back a known amount which is the ‘face value’)."}],"markDefs":[],"style":"normal"},{"_key":"46e4551e07ca","_type":"block","children":[{"_key":"8e9517773203","_type":"span","marks":[],"text":"Think of bonds like an investment which pays a regular ‘"},{"_key":"958c94e96c80","_type":"span","marks":["1b6a360ceeae"],"text":"interest rate"},{"_key":"ab75816e7077","_type":"span","marks":[],"text":"’ for as long as you hold it, as well as giving you the chance to make a profit on the money you invest. Unlike stocks, which can fluctuate in value rapidly, bonds will typically offer a relatively ‘predictable’ income stream, making them a good option for more risk-averse investors seeking stability."}],"markDefs":[{"_key":"1b6a360ceeae","_type":"glossaryPick","reference":{"_ref":"7a12b162-9c66-48e7-90c1-293196d523bb","_type":"reference"}}],"style":"normal"},{"_key":"84de67b46e34","_type":"block","children":[{"_key":"3a75273af740","_type":"span","marks":[],"text":"The volatility of a bond price depends on who you are loaning the money to. If it’s the UK government, it’s typically a sedate and predictable journey. If it’s a mining company in Latin America, you should prepare for a much more volatile journey."}],"markDefs":[],"style":"normal"},{"_key":"41c6b2f45440","_type":"block","children":[{"_key":"b05c24e742b6","_type":"span","marks":[],"text":"This is why government bonds typically make up a large proportion of "},{"_key":"ea2988dbef8f","_type":"span","marks":["3e2029c9e95c"],"text":"pension "},{"_key":"f80b0f1d5a22","_type":"span","marks":[],"text":"funds, particularly for those who are closer to retirement age and thus need their pension to be invested in lower-risk products."}],"markDefs":[{"_key":"3e2029c9e95c","_type":"internalLinkPick","blank":true,"reference":{"_ref":"261e00e8-bd4f-457d-a27c-1e64c098b1bb","_type":"reference"}}],"style":"normal"},{"_key":"d6614f8bba0b","_type":"block","children":[{"_key":"872c6cbfe99d","_type":"span","marks":[],"text":""},{"_key":"003b1400dbd3","_type":"mainAnchor","pageAnchor":{"_ref":"7143fd03-16f0-4229-a431-82283be9b288","_type":"reference"}},{"_key":"f1224b170f560","_type":"span","marks":[],"text":"How do bonds work?"}],"markDefs":[],"style":"h2"},{"_key":"1f6075328eb2","_type":"block","children":[{"_key":"d5e18a3765ce","_type":"span","marks":["strong"],"text":"Every bond fixes a maturity date, coupon and denomination upfront. The coupon's real value, the yield, depends on the issuer's creditworthiness and moves inversely to price, sometimes creating a tax-free gain. Bonds then trade like shares, via platforms, funds or trusts, across types like gilts and Treasuries."}],"markDefs":[],"style":"normal"},{"_key":"2f3e330d3372","_type":"block","children":[{"_key":"96bcdb4d8383","_type":"span","marks":[],"text":""},{"_key":"acb2391f7114","_type":"mainAnchor","pageAnchor":{"_ref":"ae0ce2cd-ee6c-4b2d-9caf-6ecaa338dfb6","_type":"reference"}},{"_key":"40091b6993f40","_type":"span","marks":[],"text":"Who issues a bond?"}],"markDefs":[],"style":"h3"},{"_key":"565d809b383b","_type":"block","children":[{"_key":"db75d5da7276","_type":"span","marks":[],"text":"When a government or a business decides it needs to raise money, one of the avenues it might take is to issue a bond. The bond specifies the “maturity” date (when the loan is repaid), the “coupon” ("},{"_key":"cbcc5d4c4f6b","_type":"span","marks":["e8099295cbf8"],"text":"interest rate"},{"_key":"2259a55d0423","_type":"span","marks":[],"text":") paid periodically, and the “denomination” (face value) of the bond."}],"markDefs":[{"_key":"e8099295cbf8","_type":"glossaryPick","reference":{"_ref":"7a12b162-9c66-48e7-90c1-293196d523bb","_type":"reference"}}],"style":"normal"},{"_key":"38457353d605","_type":"block","children":[{"_key":"5c46a1e31e90","_type":"span","marks":[],"text":""},{"_key":"5b0c3697fae8","_type":"mainAnchor","pageAnchor":{"_ref":"a7cac4b7-a55c-4d8c-b076-8219b497fffe","_type":"reference"}},{"_key":"f002b0d984350","_type":"span","marks":[],"text":"How do bonds pay interest?"}],"markDefs":[],"style":"h3"},{"_key":"7d966bfb9662","_type":"block","children":[{"_key":"37dae7ca5e6c","_type":"span","marks":[],"text":"The exact monetary value of the coupon you receive from a bond is called the “"},{"_key":"ea51ec8a6164","_type":"span","marks":["d12e7fe927d7"],"text":"yield"},{"_key":"8998d4af5b3f","_type":"span","marks":[],"text":"” and typically correlates to how risky the loan is determined to be."}],"markDefs":[{"_key":"d12e7fe927d7","_type":"glossaryPick","reference":{"_ref":"438a50f5-1ecf-44e8-b0c2-44f65ee10ec9","_type":"reference"}}],"style":"normal"},{"_key":"91d66d962184","_type":"block","children":[{"_key":"1df18ea7fc91","_type":"span","marks":[],"text":"Let’s imagine someone wanted to borrow a grand from you. How much would you want in return for making that loan? It depends how reliable or trustworthy they are. How risky it is, as well as how long they want to borrow it for. In other words, how “creditworthy” they seem to you."}],"markDefs":[],"style":"normal"},{"_key":"5388a9ac1b0e","_type":"block","children":[{"_key":"cf5870d6f45b","_type":"span","marks":[],"text":"The same principles apply in the world of bonds. If we lend money to the UK government, for example, you might have more faith that they will keep up with their interest payments and repay you in full than if you lent money to a copper producer in the Democratic Republic of Congo. So a UK government bond would typically pay lower interest than the “riskier” copper producer one, for example."}],"markDefs":[],"style":"normal"},{"_key":"71d4560d2d56","_type":"block","children":[{"_key":"457db07707e3","_type":"span","marks":[],"text":"This is why government bonds (often called “gilts” if they're issued by the UK government or \"Treasuries\" if they're issued by the US government) usually pay less (or have a lower yield) than various corporate bonds – in return for giving you a less hernia-inducing path."}],"markDefs":[],"style":"normal"},{"_key":"f619482b3fbf","_type":"block","children":[{"_key":"4a4abac90009","_type":"span","marks":[],"text":"Bond yields move inversely to bond prices. That is, the lower the yield (or ‘interest’ paid) , the higher the price of the bond is. Let’s walk through an actual example to explain how this all works."}],"markDefs":[],"style":"normal"},{"_key":"20b16b0c1152","_type":"block","children":[{"_key":"9f79cc0082e3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a28d95e21455","_type":"textboxWidget","text":[{"_key":"8599fdf492a4","_type":"block","children":[{"_key":"4da4917d5205","_type":"span","marks":[],"text":"Let's assume a bond issued by the UK government (so, a ‘gilt’). Let's also assume it would cost 97.26p to buy. The bond is called Treasury 0.125% 30/01/2026. This means it pays investors an ‘interest rate’, or ‘coupon’, of 0.125%. "}],"markDefs":[],"style":"normal"},{"_key":"f54c13e08686","_type":"block","children":[{"_key":"a9bc4738b626","_type":"span","marks":[],"text":"However, people will mostly buy this for the increase in value, rather than the interest paid."}],"markDefs":[],"style":"normal"},{"_key":"63059e105655","_type":"block","children":[{"_key":"31a5a3e313f7","_type":"span","marks":[],"text":"We know that it will mature on the 30th January in 2026. For its ‘face value’ of 100p. Or £1. So we know for certain that we can spend 97.26p today and get back £1 at the end of January 2026. "}],"markDefs":[],"style":"normal"},{"_key":"952bca830e4b","_type":"block","children":[{"_key":"66fc8064d680","_type":"span","marks":[],"text":"In other words, you will make 2.74p for every 97.26p you invest, over the period in question. And because this gain is a capital gain and not interest, and because it is held in a government bond, that gain is tax-free. "}],"markDefs":[],"style":"normal"},{"_key":"5f3464315ceb","_type":"block","children":[{"_key":"eeab95d5b301","_type":"span","marks":[],"text":"This largely explains the growth in popularity of these bonds – as the tax take in the UK increases, and tax paid on interest goes up, they are a great way for higher rate taxpayers to get a relatively secure return, which is tax-free. "}],"markDefs":[],"style":"normal"},{"_key":"143bb8ec0e80","_type":"block","children":[{"_key":"0eeece876375","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Example:"},{"_key":"52ccd9cc7373","_type":"block","children":[{"_key":"00eb7eca2b96","_type":"span","marks":[],"text":""},{"_key":"72ac8f8e1ca2","_type":"mainAnchor","pageAnchor":{"_ref":"16faf849-274d-403a-b511-cf225e816d79","_type":"reference"}},{"_key":"187af134969b0","_type":"span","marks":[],"text":"How are bonds traded?"}],"markDefs":[],"style":"h3"},{"_key":"cfe82fd2d556","_type":"block","children":[{"_key":"83e5c781999e","_type":"span","marks":[],"text":"Initially, bonds will be offered to institutional investors (like banks or pension funds). When this process is complete, bonds can also be traded on the “secondary market”, where investors trade between themselves on the stock market like you can with ordinary shares. There will be a quoted price that will change throughout the day."}],"markDefs":[],"style":"normal"},{"_key":"c5da9e7fce93","_type":"block","children":[{"_key":"005c4140c0cb","_type":"span","marks":[],"text":"Investors can invest in bonds either directly or via other products which have bonds "},{"_key":"c8eefb4086c3","_type":"span","marks":["em"],"text":"in"},{"_key":"e938ff652d90","_type":"span","marks":[],"text":" them - such as multi-asset "},{"_key":"7e44d8d4eba1","_type":"span","marks":["fc7a25720353"],"text":"funds"},{"_key":"4c7c11c26b2d","_type":"span","marks":[],"text":", "},{"_key":"1bd18a481129","_type":"span","marks":["a00ce8f500dc"],"text":"ETFs"},{"_key":"46bcdb172323","_type":"span","marks":[],"text":" or"},{"_key":"922e97485ae8","_type":"span","marks":["aeb36fcf4623"],"text":" investment trusts"},{"_key":"0369c7eaf692","_type":"span","marks":[],"text":".  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The yield on corporate bonds can depend on how creditworthy the issuer is deemed to be."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1ae2c651010c","_type":"block","children":[{"_key":"b2cf653912e6","_type":"span","marks":["strong"],"text":"Junk bonds"},{"_key":"de963fb49c1a","_type":"span","marks":[],"text":" – bonds considered to be associated with a high level of risk."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"13980bdcc8e2","_type":"block","children":[{"_key":"eccb54653b7f","_type":"span","marks":["strong"],"text":"Municipal bonds"},{"_key":"fc0a803854f4","_type":"span","marks":[],"text":" – bonds issued by local governments, municipalities or states."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"99265f630422","_type":"block","children":[{"_key":"d35e39620486","_type":"span","marks":["strong"],"text":"Sovereign bonds"},{"_key":"5a9922c471ff","_type":"span","marks":[],"text":" – bonds issued by national governments. These can include gilts and treasuries."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"470565ca8ddf","_type":"block","children":[{"_key":"438715b5ca47","_type":"span","marks":["strong"],"text":"Gilts"},{"_key":"8964468bdd47","_type":"span","marks":[],"text":" – bonds issued by the UK government."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"80fda3477c0c","_type":"block","children":[{"_key":"49fed3a1aeeb","_type":"span","marks":["strong"],"text":"Treasuries"},{"_key":"ffbf2c8c0489","_type":"span","marks":[],"text":" – bonds issued by the US government."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"266e915029c0","_type":"block","children":[{"_key":"e3fcc300e9ad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a2537989de30","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Key bond terms to know:"},"text":[{"_key":"fdbdc1410e5c","_type":"block","children":[{"_key":"6f839624c465","_type":"span","marks":[],"text":"Key bond terms to know:"}],"markDefs":[],"style":"h4"},{"_key":"a2bb7aa8a4f4","_type":"block","children":[{"_key":"850c1ad2d9a0","_type":"span","marks":[],"text":"Coupon – the fixed interest rate that the bond issuer pays the lender. This is pre-agreed and does not change."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"6326a477fc02","_type":"block","children":[{"_key":"d385ee6adb2e","_type":"span","marks":[],"text":"Creditworthiness – how reliable the bond issuer is deemed to be, based on many factors such as financial security, size, and geographic location."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8e2c27f9133e","_type":"block","children":[{"_key":"de8b059c68c1","_type":"span","marks":[],"text":"Denomination – the total face value of the bond at the point of maturity (when it’s repaid)."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"04ce92ab0c77","_type":"block","children":[{"_key":"f95ddc6b78c8","_type":"span","marks":[],"text":"Maturity – the pre-agreed date at which the bond is repaid in full. This can range from less than 1 year (short-term) to over 30 years (long-term). Longer maturities typically have higher interest rates."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c0e878ef56e9","_type":"block","children":[{"_key":"0bb0b9c0c932","_type":"span","marks":[],"text":"Yield – the actual return an investor earns from a bond. This is not fixed and can fluctuate depending on a number of factors that impact the bond's price, including the issuer's perceived creditworthiness."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"db8106f28c5c","_type":"block","children":[{"_key":"8a6812021cd6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2b1db4c3031a","_type":"block","children":[{"_key":"4127dc303820","_type":"span","marks":[],"text":""},{"_key":"f856fa8d6746","_type":"mainAnchor","pageAnchor":{"_ref":"95fb0892-0bc4-4895-9015-698cfbafa2f9","_type":"reference"}},{"_key":"b58f70fa29190","_type":"span","marks":[],"text":"Are bonds right for me?"}],"markDefs":[],"style":"h2"},{"_key":"755ca04acb42","_type":"prosConsWidget","cons":["You’re seeking higher returns","Your priority is maximum capital growth rather than income"],"consTitle":"Bad if you","pros":["You have a lower risk tolerance ","You’re comfortable with lower potential returns in exchange","You want more predictable investments","You’re a higher rate taxpayer wanting tax efficient ‘cash-like’ assets "],"prosTitle":"Good if you"},{"_key":"40564fbd3726","_type":"block","children":[{"_key":"0563627909a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6dc4662a2a41","_type":"block","children":[{"_key":"a4ab65705dbd","_type":"span","marks":[],"text":""},{"_key":"41e835c08ab8","_type":"mainAnchor","pageAnchor":{"_ref":"e9689fd9-e232-45a8-b6cb-14ab8cb11a89","_type":"reference"}},{"_key":"c8ff999015ce0","_type":"span","marks":[],"text":"What makes bond prices go up or down?"}],"markDefs":[],"style":"h2"},{"_key":"76f6c3331d51","_type":"block","children":[{"_key":"db0a0bcab5ef0","_type":"span","marks":[],"text":"Historically, bonds have generally offered lower returns than shares but tend to come with less volatility. However, there are various external factors you should be aware of that can influence a bond’s performance, such as:"}],"markDefs":[],"style":"normal"},{"_key":"8f31197b0009","_type":"textboxWidget","text":[{"_key":"e02e737fe442","_type":"block","children":[{"_key":"c9a09cb5141a","_type":"span","marks":["strong"],"text":"Interest rates: "},{"_key":"77dfe0cb24b8","_type":"span","marks":[],"text":"Generally, bonds become less attractive when base interest rates (e.g. the Bank of England’s base rate) rise - and vice versa. This is because people can get similar returns without a longer-term commitment, like with an easy-access savings account."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4f209b5bc39d","_type":"block","children":[{"_key":"0c2c8d755598","_type":"span","marks":["strong"],"text":"Creditworthiness of the issuer: "},{"_key":"10768c5377c2","_type":"span","marks":[],"text":"As we mentioned earlier, government bonds or “gilts” are generally considered safer than corporate bonds. However, this safety usually comes in the form of a lower interest rate payment. "}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"dac19d76fcbe","_type":"block","children":[{"_key":"64496e4f1970","_type":"span","marks":["strong"],"text":"Market conditions: "},{"_key":"0a660958404c","_type":"span","marks":[],"text":"Market conditions, sentiment and economic factors can also impact bond prices in the same way they impact share prices."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"7e5d90e1d232","_type":"block","children":[{"_key":"915b3da40ca4","_type":"span","marks":[],"text":""},{"_key":"504d82eb803a","_type":"mainAnchor","pageAnchor":{"_ref":"433053e5-5bc2-4d66-aefe-1786ed0cb86f","_type":"reference"}},{"_key":"c93ea14cfe01","_type":"span","marks":[],"text":"Can bonds lose value?"}],"markDefs":[],"style":"h2"},{"_key":"c41264639a57","_type":"block","children":[{"_key":"c2e6314d3cac","_type":"span","marks":["strong"],"text":"Yes, bonds can lose value. They're usually lower-risk than shares, but not risk-free. In September 2022, worries over UK government spending pushed gilt yields up and prices down, shrinking the bond market. Well-diversified investors felt little impact; those heavily weighted in bonds, like some pension funds, saw a bigger dip. The market has since recovered."}],"markDefs":[],"style":"normal"},{"_key":"9a35e2149d58","_type":"block","children":[{"_key":"c3859c53f02f","_type":"span","marks":[],"text":"Unfortunately, predicting the future performance of any investment with certainty is virtually impossible."}],"markDefs":[],"style":"normal"},{"_key":"813dac338e48","_type":"block","children":[{"_key":"6fd7f04be692","_type":"span","marks":[],"text":"Bonds have historically been considered lower-risk investments, but this is not a 100% bulletproof rule. For example, in September 2022 - following ex-Chancellor Kwasi Kwarteng’s infamous “mini Budget” - there were serious concerns about the amount of spending the then-government had proposed and therefore how it would be able to keep up with national debt (including gilts)."}],"markDefs":[],"style":"normal"},{"_key":"a0b2b81f847e","_type":"block","children":[{"_key":"8e6db4cd31e8","_type":"span","marks":[],"text":"These questions around the perceived creditworthiness of the UK government impacted the bond market, pushing yields up as these loans were seen to be riskier than they had been beforehand. As yields went up, the price of UK gilts fell - and this caused the bond market to contract, as lending to the UK government became less attractive to investors (institutional and private)."}],"markDefs":[],"style":"normal"},{"_key":"6c32eb4113db","_type":"block","children":[{"_key":"16474136e415","_type":"span","marks":[],"text":"People who were invested in bonds during this period saw the value of their investments fall. For those with a well-diversified portfolio (invested in lots of different things in different proportions), the impact of this was likely to be muted. However, individuals with a high proportion allocated to bonds – such as pension funds, which typically favour bonds for their low-risk reputation – saw a bigger dip."}],"markDefs":[],"style":"normal"},{"_key":"30fde4a880db","_type":"block","children":[{"_key":"9d7c567cf94e","_type":"span","marks":[],"text":"Since then, the bond market has recovered and it is generally agreed that this was an unusual set of circumstances. Bonds are usually low risk investments and can play an important role in ensuring your investment portfolio is diversified – and not all in shares, for example."}],"markDefs":[],"style":"normal"},{"_key":"4752447969bc","_type":"block","children":[{"_key":"00e43f27a5e5","_type":"span","marks":[],"text":"So you can see that by understanding the factors that can influence bond performance, you can get a better sense of how they work and how best to incorporate them into your investment portfolio."}],"markDefs":[],"style":"normal"},{"_key":"aff983865960","_type":"block","children":[{"_key":"bc760933457c","_type":"span","marks":[],"text":""},{"_key":"c050e8063d49","_type":"mainAnchor","pageAnchor":{"_ref":"8b590d7c-c5cf-48be-aa8b-f64f836f3617","_type":"reference"}},{"_key":"6f62f9ada198","_type":"span","marks":[],"text":"How can I invest in bonds?"}],"markDefs":[],"style":"h2"},{"_key":"e5e162256c15","_type":"block","children":[{"_key":"cf68c449386d","_type":"span","marks":["strong"],"text":"You may already be invested in bonds through a pension or multi-asset fund, so check your existing holdings before buying more. 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Dealing commissions and account fees vary widely, from free with iWeb to 0.35% with Charles Stanley Direct, so compare before choosing."}],"markDefs":[],"style":"normal"},{"_key":"786650885125","_type":"block","children":[{"_key":"85a5285ccd42","_type":"span","marks":[],"text":"If you have a pension or you're an investor already, you likely already invest in bonds - they're extremely common components of pensions and are often included in various types of funds, such as multi-asset "},{"_key":"f28f28f23e96","_type":"span","marks":["b9f70e6a6e3a"],"text":"funds"},{"_key":"c962749127b0","_type":"span","marks":[],"text":", "},{"_key":"1b2ef61ef27a","_type":"span","marks":["ee0a635edab8"],"text":"ETFs"},{"_key":"ddcbd9780996","_type":"span","marks":[],"text":" and "},{"_key":"e2618dc15e95","_type":"span","marks":["ff7c8e2c54d1"],"text":"ready-made portfolios"},{"_key":"bfe93ba338ec","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b9f70e6a6e3a","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}},{"_key":"ee0a635edab8","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}},{"_key":"ff7c8e2c54d1","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"05e707e3aa2e","_type":"block","children":[{"_key":"416e8bb4d45d","_type":"span","marks":[],"text":"Before you hunt for new bonds to add to your portfolio, it's a good idea to check what you're already invested in to make sure you're not doubling up or allocating"},{"_key":"a7905b1a3d2f","_type":"span","marks":["em"],"text":" too"},{"_key":"ad03830e5af1","_type":"span","marks":[],"text":" much to bonds. If you have a pension product, check your annual pension documents for details on what your pot is invested in. For other investment products, most providers allow you to log into your account on desktop or via an app to see a breakdown of your portfolio."}],"markDefs":[],"style":"normal"},{"_key":"bfe2c9c12e93","_type":"block","children":[{"_key":"2849b0cbdd05","_type":"span","marks":[],"text":"If you're looking to invest in bonds, there are many investment platforms on the market that will allow you to do so directly. 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Discover how to secure their financial future..."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"0c2b9cbf16c9","_type":"block","children":[{"_key":"5b77641283df","_type":"span","marks":["strong"],"text":"Cash ISA"},{"_key":"26dd0027f7e8","_type":"span","marks":[],"text":": The safe harbor in your financial portfolio. These accounts offer protection while..."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"201396e3b4c0","_type":"block","children":[{"_key":"38a0ec83ad91","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a03f8027a590","_type":"block","children":[{"_key":"e431529c75bc","_type":"span","marks":["em"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0bf43dd4c29a","_type":"block","children":[{"_key":"97d1df8d943a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"09460f79d2c1","_type":"block","children":[{"_key":"00480e1cd09d","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"}],"publishedAt":"2025-10-01T10:48:28.014Z","slug":{"_type":"slug","current":"homepage"},"subfolder":{"_ref":"40383c9c-b153-4281-8132-b5e8daa83d2f","_type":"reference"},"textNextToKey":"👉 Subscribe now to access everything you need to know about maximising your ISA potential in 2025","theme":"Boring Money theme","title":"What ISA Should You Choose in 2026? Types, Allowances and How to Pick the Right One","id":"-3adee802-6c0b-5fc9-9051-ce05debdc6b5","children":[],"parent":null}},{"_key":"12bde3ff4fff","_type":"glossaryPick","reference":{"_id":"879c473d-ba07-433e-ad4d-217e24243b54","_type":"glossaryHover","_rev":"OSLjAHmR04yJ7IEsV8unSk","_createdAt":"2025-04-30T13:37:04Z","_updatedAt":"2025-05-07T11:44:11Z","description":"A cash bonus shareholders get in return for investing in something. 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But \"safe\" doesn't always mean best. Here's how easy access compares to fixed-rate, when cash beats the stock market (and when it doesn't), and the everyday mistakes that quietly cost savers money."}],"markDefs":[],"style":"normal"},{"_key":"6ad44b8d11fd","_type":"mainImage","asset":{"_ref":"image-10985943d92fc76f292f80ae990d3d042ef4e92e-1920x1080-jpg","_type":"reference"}},{"_key":"b9233236ca4f","_type":"block","children":[{"_key":"3daf994dda2f","_type":"span","marks":[],"text":""},{"_key":"9c6a5f500310","_type":"mainAnchor","pageAnchor":{"_ref":"4c01127a-3303-492d-8ba6-e51d908fe455","_type":"reference"}},{"_key":"f7298dd9f3e0","_type":"span","marks":[],"text":"What is a Cash ISA?"}],"markDefs":[],"style":"h2"},{"_key":"72e329305077","_type":"block","children":[{"_key":"c318474a71040","_type":"span","marks":[],"text":"A Cash ISA (or Individual Savings Account if you're feeling talkative) is a type of savings account where you can keep your savings in cash - rather than, say, invested in the stock market. The best bit? Money you put in a Cash ISA is shielded from the taxman, so any interest you earn on your savings is entirely yours to keep!"}],"markDefs":[],"style":"normal"},{"_key":"79c194eb5e91","_type":"block","children":[{"_key":"beb77167583d","_type":"span","marks":[],"text":""},{"_key":"c6dd240ab3b3","_type":"mainAnchor","pageAnchor":{"_ref":"6d129a89-21ae-4fef-b7c1-98a276085f78","_type":"reference"}},{"_key":"14a0cf9394f1","_type":"span","marks":[],"text":"How do Cash ISAs work?"}],"markDefs":[],"style":"h2"},{"_key":"53c7e3f689d2","_type":"block","children":[{"_key":"781b3c225841","_type":"span","marks":[],"text":"With a Cash ISA, you can tuck away up to £20,000 every year and not have to worry about paying tax on any interest you earn! They make for a great "},{"_key":"e7099a9fab25","_type":"span","marks":["6fcd0405a775"],"text":"emergency fund "},{"_key":"eccaa7242ffb","_type":"span","marks":[],"text":"stash, as you can usually withdraw your cash very quickly if you need to. However, Cash ISAs aren't so great when "},{"_key":"1e97443ff072","_type":"span","marks":["543fbbe48bef"],"text":"inflation"},{"_key":"58aaac62c4b9","_type":"span","marks":[],"text":" is high, as its purchasing power is decreasing over time and you could end up with less than the value of what you put in after a few years."}],"markDefs":[{"_key":"6fcd0405a775","_type":"internalLinkPick","blank":true,"reference":{"_ref":"522b7227-4e9a-4ea5-bf2a-274c195a2434","_type":"reference"}},{"_key":"543fbbe48bef","_type":"glossaryPick","reference":{"_ref":"9d62b1af-7674-4f39-ba20-b0154d565241","_type":"reference"}}],"style":"normal"},{"_key":"c404fadd218a","_type":"block","children":[{"_key":"25f14ccf0a160","_type":"span","marks":[],"text":"Cash is King, or so they used to say. There's a lot to be said for boring and safe - you know exactly what you're getting. Unlike with a "},{"_key":"e1a53abace2d","_type":"span","marks":["6c3991e7068c"],"text":"Stocks & Shares ISA"},{"_key":"ccb635cb84d4","_type":"span","marks":[],"text":" invested in the stock market, your cash is less likely to suddenly freefall in value at any given time. Not 100% outside the realms of possibility - nothing is guaranteed - but you can generally expect a much steadier ride with cash."}],"markDefs":[{"_key":"6c3991e7068c","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"a8cb66c8712d","_type":"block","children":[{"_key":"9c694f1821fe","_type":"span","marks":[],"text":"Although it's tempting, cash isn't necessarily always the right answer, particularly if you're saving for a longer-term goal and have more time on your hands. Not sure if a Cash ISA is right for you? Scroll down to delve into the pros and cons to help you decide."}],"markDefs":[],"style":"normal"},{"_key":"0b9d6f64bec8","_type":"block","children":[{"_key":"92adbb0d3fe2","_type":"span","marks":[],"text":""},{"_key":"7fdb39374b90","_type":"mainAnchor","pageAnchor":{"_ref":"59e85d19-2f08-4575-babd-6a5e3775d880","_type":"reference"}},{"_key":"a3b8bb9d7c8d","_type":"span","marks":[],"text":"What’s the difference between easy access vs fixed-rate Cash ISAs?"}],"markDefs":[],"style":"h2"},{"_key":"6397fa04e27c","_type":"block","children":[{"_key":"efbf61e8ecbe","_type":"span","marks":["strong"],"text":"Easy access ISAs let you dip in and out whenever you like, though some providers cap withdrawals or cut your rate if you exceed them. Fixed-rate ISAs lock your money away for 1–5 years for a guaranteed rate, but withdraw early and you'll likely face a penalty. Pick based on how soon you'll need the cash."}],"markDefs":[],"style":"normal"},{"_key":"159f933580e8","_type":"block","children":[{"_key":"cb14c6cefa9f","_type":"span","marks":[],"text":"When it comes to Cash ISAs, not all options are created equal. Choosing the right type depends on your financial situation, goals, and how soon you might need to access your money. Let's break down the two main varieties to help you decide which one best suits your needs."}],"markDefs":[],"style":"normal"},{"_key":"cbb5b39cbc46","_type":"block","children":[{"_key":"82aed20c6d19","_type":"span","marks":[],"text":"There are two main types of Cash ISA - easy access and fixed-rate:"}],"markDefs":[],"style":"normal"},{"_key":"b80e178defd7","_type":"block","children":[{"_key":"cfdc718f3853","_type":"span","marks":[],"text":"What is an easy access Cash ISA?"}],"markDefs":[],"style":"h3"},{"_key":"f6a7735f65de","_type":"block","children":[{"_key":"3b35ecd5fc98","_type":"span","marks":[],"text":"An "},{"_key":"9cb760c0438f","_type":"span","marks":["strong"],"text":"easy access Cash ISA"},{"_key":"034a70964deb","_type":"span","marks":[],"text":" allows you to withdraw money from your account, making it ideal for those who want flexibility. However, some providers have a cap on the number of withdrawals you can make, or reduce the interest on your account if you exceed a certain number of withdrawals in a given period. The "},{"_key":"c4290c7cbcce","_type":"span","marks":["53dc84d8b0de"],"text":"interest rates"},{"_key":"6eea046919f6","_type":"span","marks":[],"text":" on these ISAs are typically variable, meaning they can fluctuate, and are heavily influenced by the Bank of England's base rate."}],"markDefs":[{"_key":"53dc84d8b0de","_type":"glossaryPick","reference":{"_ref":"7a12b162-9c66-48e7-90c1-293196d523bb","_type":"reference"}}],"style":"normal"},{"_key":"11d744298b34","_type":"block","children":[{"_key":"4d6c5f58e1ac","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3104371d17b1","_type":"prosConsWidget","pros":["You may need to dip into your savings from time to time","You're unsure about locking your money away in a fixed account","You want a backup emergency fund but still want to earn tax-free interest"],"prosTitle":"Good for you if"},{"_key":"941c612021d6","_type":"block","children":[{"_key":"d70f90db9328","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2ea665cff2ae","_type":"block","children":[{"_key":"4c34185f5418","_type":"span","marks":[],"text":"What is a fixed-rate Cash ISA?"}],"markDefs":[],"style":"h3"},{"_key":"88c688f5b09e","_type":"block","children":[{"_key":"2e8302f90e30","_type":"span","marks":[],"text":"A "},{"_key":"d962e0c01310","_type":"span","marks":["strong"],"text":"fixed-rate Cash ISA "},{"_key":"58e6609782b7","_type":"span","marks":[],"text":"locks your money away for a set period (usually 1-5 years, depending on which period suits your needs best) in exchange for a guaranteed interest rate. The trade-off is that early withdrawals may come with penalties, so this option is best for those who don’t need immediate access to their savings."}],"markDefs":[],"style":"normal"},{"_key":"30501f908812","_type":"block","children":[{"_key":"e2a98c31d1bd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"87b703a3c6ef","_type":"prosConsWidget","pros":["You don’t need access to your cash for a set period ","You want to lock in a guaranteed interest rate","You’re saving towards a medium-to-long-term goal, such as a house deposit"],"prosTitle":"Good for you if"},{"_key":"d4bd79a849a1","_type":"block","children":[{"_key":"2c7614dfa88e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0e9b651cdd5e","_type":"block","children":[{"_key":"86da7fdc6b80","_type":"span","marks":[],"text":""},{"_key":"37ff67d46516","_type":"mainAnchor","pageAnchor":{"_ref":"b2073e13-7e01-44ad-a202-38571d01d6dc","_type":"reference"}},{"_key":"317d15bc82dd","_type":"span","marks":[],"text":"Is a Cash ISA right for me?"}],"markDefs":[],"style":"h2"},{"_key":"45380b6fa1b1","_type":"block","children":[{"_key":"aff54d986ee60","_type":"span","marks":[],"text":"It depends on how long you're investing for and how much risk you're comfortable with. Check out the pros and cons of Cash ISAs in the table below to work out if they're the right choice for you."}],"markDefs":[],"style":"normal"},{"_key":"df2c2a5f0b56","_type":"prosConsWidget","cons":["You're saving for the longer-term (>5 years)","You'd rather invest than sit on cash","Inflation is high"],"consTitle":"Bad if","pros":["You want near-100% certainty that your money is safe ","You might need your money sooner rather than later","Want a rainy day or emergency fund pot"],"prosTitle":"Good if"},{"_key":"fcf44d937699","_type":"block","children":[{"_key":"1d09b162f2dc","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"11864e8859be","_type":"block","children":[{"_key":"1969f25bcf4c","_type":"span","marks":[],"text":""},{"_key":"a56b0e4f1595","_type":"mainAnchor","pageAnchor":{"_ref":"77a399ae-1519-4911-b33d-0ef54b19e26a","_type":"reference"}},{"_key":"3eea2cd0aee2","_type":"span","marks":[],"text":"Is a Cash ISA better than investing in the stock market?"}],"markDefs":[],"style":"h2"},{"_key":"74140beef7a5","_type":"block","children":[{"_key":"fb499466f160","_type":"span","marks":["strong"],"text":"Not necessarily. Cash ISAs are popular savings vehicles because they're reliable, they're easy to get your head around, and - for the most part - you get back what you put in. However, not investing in the stock market may mean you’re missing out on major rewards. "}],"markDefs":[],"style":"normal"},{"_key":"42436cecac21","_type":"block","children":[{"_key":"951f899cd8bf","_type":"span","marks":[],"text":"The graph below demonstrates the respective growth of stock markets and cash in the period between 2014 and 2026."}],"markDefs":[],"style":"normal"},{"_key":"84c5f03189c5","_type":"frameWidget","href":"https://www.canva.com/design/DAG7OFE42_c/V25AjrWXM8szDDn7pZL9bg/view?embed"},{"_key":"65d9e1f199e6","_type":"block","children":[{"_key":"5c52f251d380","_type":"span","marks":["em"],"text":"Source: "},{"_key":"f00a294b45e8","_type":"span","marks":["em","3da17e72736f"],"text":"FE Fundinfo"},{"_key":"142f1adac85e","_type":"span","marks":["em"],"text":", correct as at Q2 2026"}],"markDefs":[{"_key":"3da17e72736f","_type":"internalLinkPick","blank":true,"reference":{"_ref":"b21168ae-176c-44ca-b420-a9bd73673656","_type":"reference"}}],"style":"normal"},{"_key":"138f47ce13ef","_type":"block","children":[{"_key":"a6346c0ebdbe","_type":"span","marks":[],"text":"Although many of us (understandably) fear the perceived risk that comes with the stock market, this chart helps to put it into perspective. There will be years when you make losses - that's largely unavoidable - however markets tend to rebound fairly quickly and over time your money is statistically likely to grow. Though cash is more predictable than the stock market, inflation - especially when it's higher than interest rates - means that your money is effectively less powerful with every passing day."}],"markDefs":[],"style":"normal"},{"_key":"f6122e23f936","_type":"block","children":[{"_key":"f0829063051c","_type":"span","marks":[],"text":""},{"_key":"937d5b964c85","_type":"mainAnchor","pageAnchor":{"_ref":"1fef5638-2936-4cfb-8c37-33c8eb453385","_type":"reference"}},{"_key":"858799f3271b0","_type":"span","marks":[],"text":"Should I use a Cash ISA for short-term or long-term saving?"}],"markDefs":[],"style":"h2"},{"_key":"fa8b6cdd9f37","_type":"block","children":[{"_key":"b2670c177ffc","_type":"span","marks":["strong"],"text":"Cash ISAs make the most sense if you'll need your money within five years (for example for a house deposit) as there’s no risk of a market dip catching you out. For longer-term goals like retirement, investing has historically delivered better returns despite short-term ups and downs."}],"markDefs":[],"style":"normal"},{"_key":"d48b991b373b","_type":"block","children":[{"_key":"2a632d0ceaca","_type":"span","marks":[],"text":"It's this lingering threat of inflation that forces us to consider timing when it comes to Cash ISAs - specifically, how long you're going to be putting your money away for before you need to withdraw it."}],"markDefs":[],"style":"normal"},{"_key":"5cc781f9283d","_type":"block","children":[{"_key":"34d12357c534","_type":"span","marks":[],"text":"Looking at returns over the decade between 2014-2026, you can see that if £10,000 was invested in either the "},{"_key":"a6953d0779d6","_type":"span","marks":["1b705726cb5f"],"text":"FTSE 100"},{"_key":"1eaa757d7499","_type":"span","marks":[],"text":", "},{"_key":"90918ce93a3c","_type":"span","marks":["4715bb5ff6ee"],"text":"MSCI World Index"},{"_key":"69615debfb0b","_type":"span","marks":[],"text":" or in cash, the MSCI World Index came out on top. "}],"markDefs":[{"_key":"1b705726cb5f","_type":"glossaryPick","reference":{"_ref":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"reference"}},{"_key":"4715bb5ff6ee","_type":"glossaryPick","reference":{"_ref":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"reference"}}],"style":"normal"},{"_key":"e425330eba81","_type":"block","children":[{"_key":"045c72ff9d0c","_type":"span","marks":[],"text":"As an aside, it's interesting to observe that over this 10-year period, the FTSE 100 lagged significantly behind the MSCI World Index. This is a welcome reminder about the benefits of "},{"_key":"97852eb1ffdd","_type":"span","marks":["e982177fc280"],"text":"diversification "},{"_key":"b2d68ba95710","_type":"span","marks":[],"text":"(the art of NOT putting all your eggs into one basket)!"}],"markDefs":[{"_key":"e982177fc280","_type":"glossaryPick","reference":{"_ref":"4e600be7-9819-47d4-9ee6-de4019f8a10e","_type":"reference"}}],"style":"normal"},{"_key":"c89f589325c2","_type":"block","children":[{"_key":"28b4d13fadfe","_type":"span","marks":[],"text":"However, the main story here is that "},{"_key":"e42aaf3f2b6a","_type":"span","marks":["em"],"text":"investing "},{"_key":"29daecab0d5d","_type":"span","marks":[],"text":"your money - rather than having it sit in a bank account in wads of cash - would've earned you more money in the long run. So while the safety and security that comes with cash is a great failsafe if you think you might need to access your money quickly - for an emergency fund, for example - or for something very important to you, like a deposit on a flat, the stock market tends to perform significantly better over a longer period of time."}],"markDefs":[],"style":"normal"},{"_key":"72288d0dfc14","_type":"block","children":[{"_key":"7f9343e8dfc7","_type":"span","marks":[],"text":"That's why it's often helpful to think of cash vs the stock market in terms of timeframes. If you're going to need your money within the next 5 years, then cash - in a Cash ISA, so you don't have to worry about tax - makes a lot of sense. But if you're thinking about financial goals that are further away into the future - such as retirement - then putting your money into the stock market and making money off its long-term growth might be a better idea."}],"markDefs":[],"style":"normal"},{"_key":"1834a64da7e1","_type":"block","children":[{"_key":"ce288d86612c","_type":"span","marks":[],"text":""},{"_key":"413ad21c5861","_type":"mainAnchor","pageAnchor":{"_ref":"a334c9d7-cdb6-4dab-ae4a-8205a37ed586","_type":"reference"}},{"_key":"71ffcb1ea07d","_type":"span","marks":[],"text":"What are the most common Cash ISA mistakes to avoid?"}],"markDefs":[],"style":"h2"},{"_key":"a1dae48e9152","_type":"block","children":[{"_key":"6fc966fddde7","_type":"span","marks":["strong"],"text":"Leaving money in a low interest ISA account: "},{"_key":"3bf01c1e6450","_type":"span","marks":[],"text":"Many people stick with older Cash ISAs paying dismal rates. Check your rate regularly and consider transferring to an "},{"_key":"8bbcdbb09df7","_type":"span","marks":["10aafe976d8e"],"text":"ISA with a more competitive rate"},{"_key":"6e972a150f7a","_type":"span","marks":[],"text":" if necessary."}],"level":1,"listItem":"number","markDefs":[{"_key":"10aafe976d8e","_type":"internalLinkPick","blank":true,"reference":{"_ref":"945a7af4-690d-44c9-9a90-f3ab967057d4","_type":"reference"}}],"style":"normal"},{"_key":"da6e29d36158","_type":"block","children":[{"_key":"4cfa20ed7b66","_type":"span","marks":["strong"],"text":"Not using your ISA allowance:"},{"_key":"13509daa08b0","_type":"span","marks":[],"text":" Your annual ISA allowance doesn’t roll over. If you don’t use it by 5 April each year, you lose it."}],"level":1,"listItem":"number","markDefs":[],"style":"normal"},{"_key":"634d84e579cf","_type":"block","children":[{"_key":"666d8fa6dad8","_type":"span","marks":["strong"],"text":"Assuming all Cash ISAs work the same way: "},{"_key":"037c590d32cb","_type":"span","marks":[],"text":"Not all easy access Cash ISAs allow you to dip in and out an unlimited number of times, for example, and may have a cap for each tax year. Always read the fine print before opening an account."}],"level":1,"listItem":"number","markDefs":[],"style":"normal"},{"_key":"7c1bd9323aaa","_type":"block","children":[{"_key":"a963337c1c93","_type":"span","marks":["strong"],"text":"Failing to transfer ISAs properly:"},{"_key":"6838fa1f62c2","_type":"span","marks":[],"text":" If you want to move your Cash ISA to a provider with a better interest rate, make sure you use the official "},{"_key":"84814b8125b2","_type":"span","marks":["d56773f6b513"],"text":"ISA transfer process"},{"_key":"02963134f3ba","_type":"span","marks":[],"text":". Withdrawing out of the tax-free ISA wrapper and depositing back in manually could result in losing your tax-free benefits. Different providers may also charge exit fees so make sure to check the small print when moving your money around."}],"level":1,"listItem":"number","markDefs":[{"_key":"d56773f6b513","_type":"internalLinkPick","blank":true,"reference":{"_ref":"6ffab324-aff8-4934-b0ac-5ff56923fbd5","_type":"reference"}}],"style":"normal"}],"categories":[{"_key":"5d629977f82e","_ref":"93c8563a-3c8a-440c-aa52-1792f61017f3","_type":"reference"},{"_key":"6b3bc69b28a4","_ref":"28a1a4a9-bcf8-4b55-9745-4b7689c454c6","_type":"reference"},{"_key":"63645e3c07a7","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"excerpt":[{"_key":"01c266420a6f","_type":"block","children":[{"_key":"40bb48217566","_type":"span","marks":[],"text":"Cash ISAs let you save up to £20,000 a year tax-free. 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It has historically outperformed cash over the long term, with no lock-in on your money. It suits investors with a 5-year-plus horizon who can ride out short-term dips. If you'll need the cash sooner, or a bad year would worry you, a Cash ISA is likely the better fit."}],"markDefs":[],"style":"normal"},{"_key":"38bd8e2f3c17","_type":"mainImage","asset":{"_ref":"image-d692e433d3386f13f1c23057c70a30c3f6e66032-1920x1080-jpg","_type":"reference"},"blankAltTag":true},{"_key":"898e6a6b7a92","_type":"block","children":[{"_key":"824b2783e2f7","_type":"span","marks":[],"text":""},{"_key":"1f3e55e1b73b","_type":"mainAnchor","pageAnchor":{"_ref":"c51dfbf0-7502-4c5d-b54d-cb8a53aaf690","_type":"reference"}},{"_key":"ca6e81dde3d1","_type":"span","marks":[],"text":"What is a Stocks & Shares ISA?"}],"markDefs":[],"style":"h2"},{"_key":"5c0cd91832c6","_type":"block","children":[{"_key":"c405c9f0938f","_type":"span","marks":[],"text":"A Stocks & Shares ISA is a type of savings account where you can save your money and invest in the stock market without having to worry about paying tax on any profits made."},{"_key":"9ecb5c4eb2d6","_type":"span","marks":["strong"],"text":" "},{"_key":"aad9d5ef89cf","_type":"span","marks":[],"text":"Every adult in the UK can tuck away up to"},{"_key":"6d5239f3d1e6","_type":"span","marks":["strong"],"text":" "},{"_key":"33624dfeed19","_type":"span","marks":[],"text":"£20,000 into a Stocks & Shares ISA in a single year, and any profits or income you make are tax-free. Forever. You can also take your money out whenever you need to (although beware that doing so and then adding money back in within the same tax year can impact your annual allowance if it's not a "},{"_key":"7ee5172da5c2","_type":"span","marks":["8242bba4c93e"],"text":"\"flexible\" ISA"},{"_key":"355abfc0a819","_type":"span","marks":[],"text":")."}],"markDefs":[{"_key":"8242bba4c93e","_type":"internalLinkPick","reference":{"_ref":"decc7a5d-2a64-4c9b-9fa6-aac6a4a89581","_type":"reference"}}],"style":"normal"},{"_key":"2eb50191f038","_type":"block","children":[{"_key":"882585431f3a","_type":"span","marks":[],"text":""},{"_key":"8c9d07a1b021","_type":"mainAnchor","pageAnchor":{"_ref":"f7f5e256-63dc-4d19-9d8d-31a6e15b7bbb","_type":"reference"}},{"_key":"66a4aade950b","_type":"span","marks":[],"text":"How do Stocks & Shares ISAs work?"}],"markDefs":[],"style":"h2"},{"_key":"86bc66456f00","_type":"block","children":[{"_key":"68bd96148d6a0","_type":"span","marks":[],"text":"As is always the case when it comes to investing in the stock market, you can lose money as well as make a profit. But where Stocks & Shares ISAs really shine is that they're a great product for those that want to invest but are put off by the complex and confusing tax rules that come with other types of investment accounts - such as "},{"_key":"d6ab2ef2f3e2","_type":"span","marks":["25b8347b6913"],"text":"General Investment Accounts "},{"_key":"476af16f7177","_type":"span","marks":[],"text":"(GIAs). So if you're thinking of investing but find wrapping your head around tax a bit of a headache, a Stocks & Shares ISA could be right for you."}],"markDefs":[{"_key":"25b8347b6913","_type":"internalLinkPick","blank":true,"reference":{"_ref":"5a9228ba-a3c9-4551-a0fa-b89474ae2f42","_type":"reference"}}],"style":"normal"},{"_key":"35c6e1afcd86","_type":"block","children":[{"_key":"634d137989f1","_type":"span","marks":[],"text":"For this reason, Stocks & Shares ISAs are popular with beginner and "},{"_key":"0dba4310de39","_type":"span","marks":["493532faee4f"],"text":"DIY investors"},{"_key":"5d88d94f0948","_type":"span","marks":[],"text":" in particular, but are a handy addition to any investor's portfolio if they want to make the most of their annual tax and earnings allowances. However, unlike the "},{"_key":"4956c9c2df35","_type":"span","marks":["dbabf6b93450"],"text":"Cash ISA"},{"_key":"929522354480","_type":"span","marks":[],"text":" (where your money sits idly, safe and steady in cash reserves) a Stocks & Shares ISA gives you exposure to the stock market - and all the inherent highs and lows that come with it. So maybe not for you if you're investing for a short period of time or you'd rather something with less risk."}],"markDefs":[{"_key":"493532faee4f","_type":"glossaryPick","reference":{"_ref":"7e951974-e67b-4048-a3bc-88252931b7e2","_type":"reference"}},{"_key":"dbabf6b93450","_type":"internalLinkPick","blank":true,"reference":{"_ref":"60f3a8e8-c55e-4ab7-9672-d1c79dd30efd","_type":"reference"}}],"style":"normal"},{"_key":"184d3fed24f2","_type":"block","children":[{"_key":"c874269636cf","_type":"span","marks":[],"text":"Despite all the bells and whistles, just 17% of UK adults hold a Stocks and Shares ISA account. Still not sure if they're right for you? Scroll down to delve into the pros and cons to help you decide. [1]"}],"markDefs":[],"style":"normal"},{"_key":"42ae7f95d77d","_type":"block","children":[{"_key":"065061ecf983","_type":"span","marks":[],"text":""},{"_key":"7b9a9b3830f3","_type":"mainAnchor","pageAnchor":{"_ref":"03489c0e-4cd2-48d7-8700-e6eb389280d6","_type":"reference"}},{"_key":"07f61339a933","_type":"span","marks":[],"text":"Is a Stocks & Shares ISA right for me?"}],"markDefs":[],"style":"h2"},{"_key":"b63a98b22f71","_type":"block","children":[{"_key":"0181f9cabb8f","_type":"span","marks":[],"text":"Deciding if a Stocks & Shares ISA is a good addition to your investment portfolio can be tricky, but it ultimately comes down to how long you're investing for and how much risk you're comfortable with. Have a peek at the pros and cons of Stocks & Shares ISAs in the table below to work out if they're right for you."}],"markDefs":[],"style":"normal"},{"_key":"5a9beb608fb1","_type":"prosConsWidget","cons":["You'll need access to your money soon","You have credit card debt to pay off","You'll faint if markets have a bad year"],"consTitle":"Bad if","pros":["Want to invest without worrying about tax","You have an investing timeframe of 5 years+","Interest rates are low"],"prosTitle":"Good if"},{"_key":"dde5d08dbd96","_type":"block","children":[{"_key":"55f7770c12ac","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1caf5b9fb5e4","_type":"block","children":[{"_key":"61c9b3627352","_type":"span","marks":[],"text":""},{"_key":"8e14b4983241","_type":"mainAnchor","pageAnchor":{"_ref":"61abfcc5-ca28-406e-af55-8b50ff2af72f","_type":"reference"}},{"_key":"84a693f93c0b","_type":"span","marks":[],"text":"Stock markets vs cash"}],"markDefs":[],"style":"h2"},{"_key":"39edf33f9f39","_type":"block","children":[{"_key":"900d8b1f1e5d","_type":"span","marks":["strong"],"text":"If you had put £1,000 away in 2014, what would it be worth by Q2 2026?"}],"markDefs":[],"style":"normal"},{"_key":"0427d38014c8","_type":"block","children":[{"_key":"0cb657307e7c","_type":"span","marks":[],"text":"The graph below shows you a recent example of how cash has performed compared to stock market shares. For the purposes of this illustration, we've looked at the growth of a single £1,000 lump sum investment in cash and in two stock market indices: the "},{"_key":"f1915286e2d0","_type":"span","marks":["f365db81b024"],"text":"FTSE 100"},{"_key":"5adc2e3f2dd3","_type":"span","marks":[],"text":" and "},{"_key":"2c863edac773","_type":"span","marks":["405dad0129e4"],"text":"MSCI World"},{"_key":"6b6977283874","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"f365db81b024","_type":"glossaryPick","reference":{"_ref":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"reference"}},{"_key":"405dad0129e4","_type":"glossaryPick","reference":{"_ref":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"reference"}}],"style":"normal"},{"_key":"bf50d697e081","_type":"block","children":[{"_key":"1e67ab98fc3e","_type":"span","marks":[],"text":"It's clear to see that leaving your money in cash (pink) led to significantly less growth over the period between 2014 and 2026 than if you had invested in stock markets. And although the British FTSE 100 Index (blue) didn't perform quite as well as MSCI World (green), it still climbed by a whopping £2,469- compared to gains of just £1,221 from cash over the same time period. MSCI World has an impressive £4,231 gain."}],"markDefs":[],"style":"normal"},{"_key":"30cfa74fa485","_type":"block","children":[{"_key":"c83627867777","_type":"span","marks":["em"],"text":"NB: The dip you can see after Q4 2019 reflects the start of the COVID-19 pandemic and subsequent global lockdowns."}],"markDefs":[],"style":"normal"},{"_key":"04f7de214aa6","_type":"block","children":[{"_key":"4de77c5f9f75","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0fc5603f98be","_type":"frameWidget","href":"https://www.canva.com/design/DAG7OFE42_c/V25AjrWXM8szDDn7pZL9bg/view?embed"},{"_key":"9ada0129d9d9","_type":"block","children":[{"_key":"102d48141425","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b76c279925f3","_type":"block","children":[{"_key":"daa564b0431f","_type":"span","marks":[],"text":""},{"_key":"76be62699b3e","_type":"mainAnchor","pageAnchor":{"_ref":"abce80e4-d3d9-4aac-abc1-510b2c118415","_type":"reference"}},{"_key":"f30cc6342f8e","_type":"span","marks":[],"text":"Stocks & Shares ISA: Short-term vs long-term investing "}],"markDefs":[],"style":"h2"},{"_key":"d82a8fc2fd0c","_type":"block","children":[{"_key":"8c136c2f2755","_type":"span","marks":[],"text":"It can be helpful to think about investing in the stock market a bit like the housing market. Imagine you hear on the news that the property market is down 3% in your area. Do you freak out, run for the hills and stockpile baked beans? No – only if you don't have a choice and "},{"_key":"aad09a6b9855","_type":"span","marks":["em"],"text":"have "},{"_key":"acc88a1b29a6","_type":"span","marks":[],"text":"to sell that year. Otherwise, you sit tight and wait for the market to recover. "}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"29e5815ac3a7","_type":"block","children":[{"_key":"706f02f0f1f2","_type":"span","marks":[],"text":"FREE TOOL: Not sure which ISA or pension is right for you?"}],"markDefs":[],"style":"h4"},{"_key":"413101212e38","_type":"block","children":[{"_key":"689ff7bc39ee","_type":"span","marks":[],"text":"Answer 6 questions. Get 3 tailored recommendations. Independent, unbiased, free."}],"markDefs":[],"style":"normal"}],"_key":"8c91ab282a38","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"reference":{"_ref":"249771c5-00b0-4103-9775-fe8bb8339397","_type":"reference"},"text":"FIND MY ISA"},{"_key":"50f10f0f6a8a","_type":"block","children":[{"_key":"0876d3b43bc1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c3ec473a32f","_type":"block","children":[{"_key":"9342c0a6ccfa","_type":"span","marks":[],"text":"Shares and investing in the stock market are kind of the same. Unless you need to sell at that very point in time, you can sit tight and ride out the bad times, only selling when the markets are more in your favour. "}],"markDefs":[],"style":"normal"},{"_key":"b02b151be7de","_type":"block","children":[{"_key":"738702b1f9bc","_type":"span","marks":[],"text":"This is why timeframes matter so much. If you know you'll need to cash in within 12 months, stick it in the stock market anyway, and then some unfortunate force sends markets tumbling... well, you’re stuffed and your back’s against the wall. You'll have to withdraw your cash during a dip. But if you can park your money for longer - say, 5 years or more - it’s much less likely you'll have to sell when things are rubbish."}],"markDefs":[],"style":"normal"},{"_key":"4249037765fa","_type":"block","children":[{"_key":"53725bd4af3b0","_type":"span","marks":[],"text":"As a very loose rule of thumb, expecting to make about 5% a year from a diversified portfolio (that is, essentially, a mixed bag) of investments should be achievable. Some years it could be 20%, some years it could be minus 20%. An important rule for investing is to avoid needing to be a forced seller in bad years, so the longer you give yourself to invest, the greater your ability to ride out any rough patches and cash in on your own terms - hopefully once you've made a decent profit!"}],"markDefs":[],"style":"normal"},{"_key":"b498c1bc502f","_type":"textboxWidget","image":{"_type":"mainImage","asset":{"_ref":"image-5ed7e4bf99e8196fa217894330eaef10e1131ccc-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","text":[{"_key":"f41512cd32a0","_type":"block","children":[{"_key":"2c6df9dcfbed","_type":"span","marks":[],"text":"Ready to open a Stocks & Shares ISA? "},{"_key":"53224b100cf8","_type":"span","marks":["8adc85d93860"],"text":"IG"},{"_key":"bcc74a0e71c1","_type":"span","marks":[],"text":" is one of the most trusted names in investing — FTSE 100-listed with over 50 years of market experience and 2 million+ clients worldwide."}],"markDefs":[{"_key":"8adc85d93860","_type":"internalLinkPick","blank":true,"reference":{"_ref":"bf801acc-58b0-48b5-8bd6-bd019ffc8e03","_type":"reference"}}],"style":"normal"},{"_key":"d1673ebd6b5a","_type":"block","children":[{"_key":"5ad550463c3e","_type":"span","marks":[],"text":"With an "},{"_key":"c9fcb23cc659","_type":"span","marks":["0cd2f6ebfdf1"],"text":"IG Stocks & Shares ISA"},{"_key":"61d683b50b16","_type":"span","marks":[],"text":", you get access to 17,000+ global markets — one of the largest offerings available — so whether you're just starting out or building a diversified portfolio, you'll never be short of options."}],"markDefs":[{"_key":"0cd2f6ebfdf1","_type":"internalLinkPick","blank":true,"reference":{"_ref":"bf801acc-58b0-48b5-8bd6-bd019ffc8e03","_type":"reference"}}],"style":"normal"},{"_key":"2751a85de2bd","_type":"block","children":[{"_key":"e7cabc737e77","_type":"span","marks":[],"text":"New to IG? Get "},{"_key":"331d19f4e6ea","_type":"span","marks":["strong"],"text":"5% AER"},{"_key":"190246e9e4ad","_type":"span","marks":[],"text":" on your uninvested ISA cash while you decide where to invest (T&Cs apply)."}],"markDefs":[],"style":"normal"},{"_key":"b14f7c38c9d3","_type":"block","children":[{"_key":"2f5d0506d7c6","_type":"span","marks":[],"text":"When you're ready to dive deeper, IG has you covered with "},{"_key":"aef5879f8e76","_type":"span","marks":["strong"],"text":"industry-leading education"},{"_key":"78189b3c8827","_type":"span","marks":[],"text":" through IG Academy, plus"},{"_key":"4aa70fb0f3a0","_type":"span","marks":["strong"],"text":" advanced charting tools"},{"_key":"9284372ac7ba","_type":"span","marks":[],"text":" via ProRealTime and TradingView for when you want to take a more hands-on approach."}],"markDefs":[],"style":"normal"},{"_key":"212b1976d129","_type":"block","children":[{"_key":"65dd11b69550","_type":"span","marks":["299a017cc91f"],"text":"Invest in shares, ETFs, and funds"},{"_key":"e1bc555c21c0","_type":"span","marks":[],"text":" — all tax-free within your annual £20,000 ISA allowance."}],"markDefs":[{"_key":"299a017cc91f","_type":"internalLinkPick","blank":true,"reference":{"_ref":"bf801acc-58b0-48b5-8bd6-bd019ffc8e03","_type":"reference"}}],"style":"normal"},{"_key":"f671aeabc348","_type":"block","children":[{"_key":"151a6be4871d","_type":"span","marks":["strong"],"text":"Capital at risk. Tax treatment depends on individual circumstances and may be subject to change."}],"markDefs":[],"style":"normal"}],"title":"Sponsored Message by IG"},{"_key":"31edda0e601c","_type":"block","children":[{"_key":"acd4ebc366e1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"d01a141e8c03","_type":"block","children":[{"_key":"e682afe0f5d1","_type":"span","marks":["strong"],"text":"OPEN AN IG ISA"}],"markDefs":[],"style":"normal"},{"_key":"41bce9ed5340","_type":"block","children":[{"_key":"81b442eaa20a","_type":"span","marks":["em"],"text":""}],"markDefs":[],"style":"normal"}],"_key":"301e2d4ad05a","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"partner":true,"reference":{"_ref":"bf801acc-58b0-48b5-8bd6-bd019ffc8e03","_type":"reference"},"text":"GO TO IG"},{"_key":"f1b8c015a37e","_type":"block","children":[{"_key":"3969728b09df","_type":"span","marks":[],"text":""},{"_key":"41e2b96a1a81","_type":"mainAnchor","pageAnchor":{"_ref":"de11b854-1405-452f-b312-e1ed6bbc24a8","_type":"reference"}},{"_key":"465560c9831b","_type":"span","marks":[],"text":"How risky can a Stocks & Shares ISA be?"}],"markDefs":[],"style":"h2"},{"_key":"507928f37beb","_type":"block","children":[{"_key":"fd3122a14683","_type":"span","marks":[],"text":"A Stocks & Shares ISA is as risky as whatever you're using it to invest in. So first up, don’t lose your mind and chase daft things like Bitcoin, gambling and spivvy schemes. Investing ultimately comes down to backing decent companies which do things you can get your head around and which make a profit, or have a damn good plan which will "},{"_key":"8a32973014ba","_type":"span","marks":["em"],"text":"make "},{"_key":"97946f0a6356","_type":"span","marks":[],"text":"them a profit. It’s like Dragon’s Den but on a larger scale."}],"markDefs":[],"style":"normal"},{"_key":"1d6886405254","_type":"block","children":[{"_key":"268a63f04360","_type":"span","marks":[],"text":"Some companies won’t make it. They won't hit oil, get that patent, or they'll suffer at the hands of an inept CEO. And if you're putting all your money behind that one company, then you're potentially losing a lot of it when its shares start to fall. That's why another of the most important rules of investing is to diversify and spread your money around a mix of different investments, so you can minimise your exposure to any one bad apple. 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Enter the amount you want to invest and select filters that suit your requirements, such as whether they offer ready-made solutions or have ESG options. Click the link below to dig in!"}],"markDefs":[],"style":"normal"},{"_key":"c162feb57cd0","_type":"block","children":[{"_key":"08308deedffe","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"bbfbc6fb7b2e","_type":"block","children":[{"_key":"e34a8d102f53","_type":"span","marks":["strong"],"text":"Compare Stocks & Shares ISA providers"}],"markDefs":[],"style":"normal"}],"_key":"d254c9621a55","_type":"ctaWidget","reference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"text":"GET STARTED"},{"_key":"a92f5c5bdea8","_type":"block","children":[{"_key":"420910e2dddc","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3dcdb389dc04","_type":"block","children":[{"_key":"d139b5827fb7","_type":"span","marks":[],"text":"—-"}],"markDefs":[],"style":"normal"},{"_key":"95915c8698bf","_type":"block","children":[{"_key":"0e9499de4c56","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"127110d4b4be","_type":"block","children":[{"_key":"e59dad84c8f0","_type":"span","marks":[],"text":"[1] "},{"_key":"5cff85d779d7","_type":"span","marks":["fcea1234843c"],"text":"The Investors Centre, 2026"}],"markDefs":[{"_key":"fcea1234843c","_type":"internalLinkPick","blank":true,"reference":{"_ref":"af9fbe00-97b6-4052-a413-56a42b0a5897","_type":"reference"}}],"style":"normal"}],"brazeCustomAttributes":[{"_key":"44d17cbfb661","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_Article_Gated","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/stocks-shares-isa/"}],"categories":[{"_key":"d4970f30191f","_ref":"39d2ca7f-4862-4ab2-b902-0bf10f1d4c34","_type":"reference"},{"_key":"eb8a2362d0cd","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"emailSignupWidgetButtonText":"JOIN US","enableGatedContent":true,"excerpt":[{"_key":"8e5bbd141268","_type":"block","children":[{"_key":"6e90762aa8bb","_type":"span","marks":[],"text":"Learn how a Stocks & Shares ISA works: the £20,000 tax-free allowance, key benefits, and how it compares to a Cash ISA - explained simply by Boring Money."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"d482001f8667","_type":"block","children":[{"_key":"ff1ef849d0ac0","_type":"span","marks":[],"text":"What is a Stocks & Shares ISA?"}],"markDefs":[],"style":"h2"},{"_key":"3e6e7b549ef3","_type":"block","children":[{"_key":"59ea2c68a2090","_type":"span","marks":[],"text":"A Stocks & Shares ISA as a tax-free wrapper for your investments. 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Scroll down for the full pros and cons."}],"markDefs":[],"style":"normal"},{"_key":"6c21fe024de9","_type":"block","children":[{"_key":"95bed94f5c92","_type":"span","marks":[],"text":"Why should I get a Stocks & Shares ISA?"}],"markDefs":[],"style":"h2"},{"_key":"29fd46a9c152","_type":"block","children":[{"_key":"ad1da0793c62","_type":"span","marks":[],"text":"If you'd invested £10,000 in a Cash ISA in 2014, it would be worth around £12,200 today. Put the same £10,000 into the FTSE 100 and it could be worth roughly £24,800 - or invested globally via the MSCI World Index, over £42,000."},{"_key":"ebc7c9a56c94","_type":"span","marks":["strong"],"text":" "},{"_key":"2e65ba10e4ab","_type":"span","marks":[],"text":"While past performance doesn't guarantee future returns, this stark difference shows why Stocks & Shares ISAs have become the go-to choice for longer-term savings goals. "}],"markDefs":[],"style":"normal"},{"_key":"2fabd5277b67","_type":"block","children":[{"_key":"2b346019f4b30","_type":"span","marks":[],"text":"Is it right for me?"}],"markDefs":[],"style":"h3"},{"_key":"04960d3d629d","_type":"block","children":[{"_key":"15f6a9c84d54","_type":"span","marks":[],"text":"Getting a Stocks & Shares ISA is ideal for you if you:"}],"markDefs":[],"style":"normal"},{"_key":"32f3d5bbeb2d","_type":"textboxWidget","text":[{"_key":"4a0af1dad2d8","_type":"block","children":[{"_key":"2072dedf6ad2","_type":"span","marks":[],"text":"Want to invest without worrying about tax"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"49b17c696a56","_type":"block","children":[{"_key":"2072dedf6ad2","_type":"span","marks":[],"text":"Have an investing timeframe of 5 years+"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4d789d6898a5","_type":"block","children":[{"_key":"298ef3ea06d8","_type":"span","marks":[],"text":"Are comfortable with market ups and downs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e7fe4d606f03","_type":"block","children":[{"_key":"a7169b78ed40","_type":"span","marks":[],"text":"Are looking for potential higher returns than cash"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"4ad853517876","_type":"block","children":[{"_key":"5778cdf628b9","_type":"span","marks":[],"text":"When might a Stocks & Shares ISA not be right for you?"}],"markDefs":[],"style":"h3"},{"_key":"bff220cc38bd","_type":"block","children":[{"_key":"7a86c86ce57c","_type":"span","marks":[],"text":"A Stocks & Shares ISA might not be right for you if:"}],"markDefs":[],"style":"normal"},{"_key":"dd1f19d5ace6","_type":"textboxWidget","text":[{"_key":"e1187c7c7c98","_type":"block","children":[{"_key":"80115848bcfa","_type":"span","marks":[],"text":"You need guaranteed access to your money soon"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"67d37ba0717c","_type":"block","children":[{"_key":"72d4bbe488fb","_type":"span","marks":[],"text":"You have high-interest debts to clear first"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"569409d1dd65","_type":"block","children":[{"_key":"300af44e2864","_type":"span","marks":[],"text":"You're uncomfortable with any investment risk"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"26e223cd23ab","_type":"block","children":[{"_key":"174cb9bc1ec30","_type":"span","marks":[],"text":"What are the benefits of a Stocks & Shares ISA?"}],"markDefs":[],"style":"h2"},{"_key":"c014d5478327","_type":"block","children":[{"_key":"9a7d5d0a268c","_type":"span","marks":[],"text":"A Stocks & Shares ISA is both tax-efficient and flexible - shielding your investments from tax entirely, while still letting you access your money whenever you need it."}],"markDefs":[],"style":"normal"},{"_key":"927fc0d7e099","_type":"block","children":[{"_key":"7aebd9fe43380","_type":"span","marks":[],"text":"How is it tax efficient? 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You’ll wipe out 25% of your pot."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"a4ffa70daf56","_type":"block","children":[{"_key":"fea66813fc64","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d83b1999ac74","_type":"textboxWidget","text":[{"_key":"a17e97d69445","_type":"block","children":[{"_key":"ff315abf7247","_type":"span","marks":[],"text":"As of June 2026, the government has announced that it will be scrapping Lifetime ISAs (LISAs). They will be replaced by a new product called the First Time Buyer ISA (FTB ISA)."}],"markDefs":[],"style":"normal"},{"_key":"122b8076bd04","_type":"block","children":[{"_key":"e85be3a3cdfc","_type":"span","marks":[],"text":"Who is eligible?"}],"markDefs":[],"style":"h3"},{"_key":"9bbc5ff828aa","_type":"block","children":[{"_key":"75651317a7d0","_type":"span","marks":[],"text":"Anyone aged 18 or over who is looking to buy their first property with a mortgage can open an FTB ISA. Unlike the LISA, there is no upper age limit."}],"markDefs":[],"style":"normal"},{"_key":"90d5f20d90fb","_type":"block","children":[{"_key":"d679fb38c6b3","_type":"span","marks":[],"text":"Can I still use my existing LISA?"}],"markDefs":[],"style":"h3"},{"_key":"7400a76dfda6","_type":"block","children":[{"_key":"a58c19c001a4","_type":"span","marks":[],"text":"Yes. If you have already opened a LISA, you can still use it to purchase a home. However, you cannot transfer funds between an existing LISA and a new FTB ISA."}],"markDefs":[],"style":"normal"},{"_key":"0458db03cfea","_type":"block","children":[{"_key":"28ce3ba03812","_type":"span","marks":[],"text":"FTB ISAs will also count towards your overall ISA allowance. In addition, the new cash ISA limit of £12,000 for individuals under the age of 65, which comes into effect in April 2017, will continue to apply."}],"markDefs":[],"style":"normal"}],"title":"Please note:"},{"_key":"1083990ba206","_type":"block","children":[{"_key":"7c3669462092","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"093127e3efa8","_type":"block","children":[{"_key":"ebe5da862757","_type":"span","marks":[],"text":""},{"_key":"8aebdbcc92a5","_type":"mainAnchor","pageAnchor":{"_ref":"324318c3-df5b-48b0-b1e9-a9ca1902ed41","_type":"reference"}},{"_key":"421176d54105","_type":"span","marks":[],"text":"The basics of Lifetime ISAs"}],"markDefs":[],"style":"h2"},{"_key":"530c5cb99a8f","_type":"block","children":[{"_key":"c9124c706bea","_type":"span","marks":[],"text":"Lifetime ISAs (or LISAs) are a clever way to save or invest for two of life's biggest financial goals: buying your first home or retirement. In return, the government gives you a juicy bonus of 25% on whatever you put in - up to £1,000 a year of free money!"}],"markDefs":[],"style":"normal"},{"_key":"b23446c73190","_type":"block","children":[{"_key":"9670b6aa6efa","_type":"span","marks":[],"text":"You can open one if you're aged 18-39 and pay into it until you're 50, and your savings can sit in cash or be invested in the stock market, depending on your "},{"_key":"e4abf82e9a25","_type":"span","marks":["6c9137b7bdf5"],"text":"risk appetite"},{"_key":"1e89cbe935ad","_type":"span","marks":[],"text":". "}],"markDefs":[{"_key":"6c9137b7bdf5","_type":"glossaryPick","reference":{"_ref":"5c1b3b32-e538-4348-9962-230c72bb1e7d","_type":"reference"}}],"style":"normal"},{"_key":"f1c56e3a3a89","_type":"block","children":[{"_key":"d6bce7e18c21","_type":"span","marks":[],"text":"But there’s a catch. The money can "},{"_key":"a22336bead9d","_type":"span","marks":["em"],"text":"only"},{"_key":"678095a6f992","_type":"span","marks":[],"text":" be used to purchase your first property (and only if it's worth £450k or less) or withdrawn tax-free after age 60 for retirement purposes. Use it for anything else, and there’s a painful penalty of 25% of the total value of your pot."}],"markDefs":[],"style":"normal"},{"_key":"b0d6c64e835b","_type":"block","children":[{"_key":"c684065e761a","_type":"span","marks":[],"text":"You can think of a LISA like a savings account with strings attached. But if you play by the rules, it’s one of the most generous saving tools out there. Whether you’re planning to get on the property ladder or add to your retirement pot, a LISA could give your efforts a serious boost."}],"markDefs":[],"style":"normal"},{"_key":"63a5928c04c0","_type":"block","children":[{"_key":"d2c54a312567","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"e406a9632d6f","_type":"block","children":[{"_key":"eeca66bb92dc","_type":"span","marks":["strong"],"text":"See the winners of our Best Buy LISA award 2025"}],"markDefs":[],"style":"normal"}],"_key":"7c7bd3f7d9b9","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"7751737d-084c-4a55-9046-e35ea8792d3c","_type":"reference"},"text":"SHOW ME"},{"_key":"7020e885f369","_type":"block","children":[{"_key":"f60297206409","_type":"span","marks":[],"text":""},{"_key":"939bf81d4c8c","_type":"mainAnchor","pageAnchor":{"_ref":"094d1a3e-f7bf-4543-a216-e6804a5653f3","_type":"reference"}},{"_key":"39a4f17c3dac","_type":"span","marks":[],"text":"Is a Lifetime ISA right for me?"}],"markDefs":[],"style":"h2"},{"_key":"91a8b9eb468e","_type":"prosConsWidget","cons":["Are already over 40","Might need to withdraw your savings for other reasons","Want to save at a faster pace"],"consTitle":"Bad if you","pros":["Are saving for your first property or planning ahead for retirement","Are under 40 and can save up to £4,000 a year","Want free cash from the government in return for your saving efforts"],"prosTitle":"Good if you"},{"_key":"0f15bcad9d78","_type":"block","children":[{"_key":"4c2ed72f827f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5565fbe69e84","_type":"block","children":[{"_key":"9f59862031ef","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cffbfd80163b","_type":"blockQuote","adviserLink":{"_ref":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","_type":"reference"},"adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","asset":{"_ref":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png","_type":"reference"},"blankAltTag":true},"quote":[{"_key":"9a363c1c3aec","_type":"block","children":[{"_key":"e3b80cf3cc09","_type":"span","marks":[],"text":"I generally think that investing little and often is a sensible approach. But for a Lifetime ISA, I think compounding means you should consider putting in your £4,000 as early in the tax year as possible, if you can. Because you secure the 25% top-up, so that snowball gets rolling sooner. The risk is that markets then plunge. However, I would say that anyone saving for a property deposit in a Stocks & Shares LISA should have a timeframe of at least 5 years, so you should be able to ride out any wobbles over this longer term. Less than that and a Cash LISA might be a \"safer\" route."}],"markDefs":[],"style":"normal"}]},{"_key":"c0060a9a430b","_type":"block","children":[{"_key":"085538052320","_type":"span","marks":[],"text":""},{"_key":"94f6e7b0a04a","_type":"mainAnchor","pageAnchor":{"_ref":"a2748707-923a-4ba0-b66d-cbe3a285ea46","_type":"reference"}},{"_key":"d6e477b37a01","_type":"span","marks":[],"text":"The pros of Lifetime ISAs"}],"markDefs":[],"style":"h2"},{"_key":"2e63d2e52ffe","_type":"block","children":[{"_key":"0351e20fbd75","_type":"span","marks":[],"text":""},{"_key":"d5bfe4cd93a9","_type":"mainAnchor","pageAnchor":{"_ref":"7fbf057a-d85e-4371-a16a-16d5abd04dea","_type":"reference"}},{"_key":"1de0a97e2991","_type":"span","marks":[],"text":"✅ Free government bonus"}],"markDefs":[],"style":"h3"},{"_key":"66a647bc3b1d","_type":"block","children":[{"_key":"78b045090c8f","_type":"span","marks":[],"text":"This is the headline act. For every £4 you contribute, the government adds £1 - up to a maximum bonus of £1,000 each tax year. That’s an instant 25% boost just to reward you for saving, with no extra work required. Whether you're saving for your first home or for later life, it’s one of the most generous incentives out there. Over time, consistent saving can stack up significantly; If you maxed out your £4,000 annual contributions for a solid 10 years, you'd get an extra £10,000 in bonuses."}],"markDefs":[],"style":"normal"},{"_key":"dc060942e307","_type":"block","children":[{"_key":"9d371b9c2893","_type":"span","marks":[],"text":"Regular savings vs LISA (with bonus)"}],"markDefs":[],"style":"h4"},{"_key":"bff5aa2481a1","_type":"frameWidget","href":"https://www.canva.com/design/DAGrctu6Mig/XiBSAzolA5satHHcWfXo6A/view?embed"},{"_key":"9fc59e0a5467","_type":"block","children":[{"_key":"da99a005f80a","_type":"span","marks":["em"],"text":"For illustrative purposes only. Based on contributions of £4,000 per year and maximum £1,000 LISA bonus. Not inclusive of any cash interest or investment returns."}],"markDefs":[],"style":"small"},{"_key":"dafe28c65cbd","_type":"block","children":[{"_key":"9e4b014eb312","_type":"span","marks":[],"text":""},{"_key":"bb6d0fde5de8","_type":"mainAnchor","pageAnchor":{"_ref":"0499732c-efdd-4ac7-ae61-bec2c9191173","_type":"reference"}},{"_key":"cd68abec8a0b","_type":"span","marks":[],"text":"✅ Tax-free growth"}],"markDefs":[],"style":"h3"},{"_key":"d294220fcd8f","_type":"block","children":[{"_key":"caa354d58f6e","_type":"span","marks":[],"text":"Like all ISA accounts, any interest on cash or "},{"_key":"a77729029b77","_type":"span","marks":["72e8294a351c"],"text":"dividends"},{"_key":"3647e67d1365","_type":"span","marks":[],"text":" or "},{"_key":"e74a33f5b341","_type":"span","marks":["e7be6cb9f9a6"],"text":"gains"},{"_key":"3f574a135447","_type":"span","marks":[],"text":" from investments earned with your Lifetime ISA are free from "},{"_key":"69ed73cd5334","_type":"span","marks":["7b35458ed0ef"],"text":"Income Tax "},{"_key":"daa2b1017128","_type":"span","marks":[],"text":"and "},{"_key":"d3abf234fe7f","_type":"span","marks":["6a05460a670e"],"text":"Capital Gains Tax"},{"_key":"928ca7143ad1","_type":"span","marks":[],"text":". That applies whether you go for a Cash LISA or a Stocks & Shares LISA. Over the long term, this can make a meaningful difference to your total savings, especially if you’re investing and then reinvesting your gains over decades to benefit from the power of "},{"_key":"97c628b8e865","_type":"span","marks":["b8715f25f837"],"text":"compounding"},{"_key":"f2e02affe72a","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"72e8294a351c","_type":"glossaryPick","reference":{"_ref":"879c473d-ba07-433e-ad4d-217e24243b54","_type":"reference"}},{"_key":"e7be6cb9f9a6","_type":"glossaryPick","reference":{"_ref":"f3dbc82f-00ff-44e5-957a-1f0281241668","_type":"reference"}},{"_key":"6a05460a670e","_type":"internalLinkPick","reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}},{"_key":"7b35458ed0ef","_type":"internalLinkPick","reference":{"_ref":"cfbae5f9-09e2-4ebd-b540-7b2843cb6161","_type":"reference"}},{"_key":"b8715f25f837","_type":"glossaryPick","reference":{"_ref":"e506e313-901b-455c-8082-9f4f04f70ea3","_type":"reference"}}],"style":"normal"},{"_key":"2da943294216","_type":"block","children":[{"_key":"6ae795b52e1b","_type":"span","marks":[],"text":""},{"_key":"c002933f5bd0","_type":"mainAnchor","pageAnchor":{"_ref":"9e2570a2-0977-4c47-b28a-4c86daf15936","_type":"reference"}},{"_key":"790e3662cd4c","_type":"span","marks":[],"text":"✅ Couples can combine their savings"}],"markDefs":[],"style":"h3"},{"_key":"e91fdab9c6f4","_type":"block","children":[{"_key":"1802a6469f53","_type":"span","marks":[],"text":"If you’re in a couple and you both maximise your Lifetime ISA allowances, over 10 years you could potentially save £100,000 towards the purchase of your first home! Just remember the maximum £450,000 house price limit doesn't increase even if you combine LISAs with someone else."}],"markDefs":[],"style":"normal"},{"_key":"edc877072f70","_type":"block","children":[{"_key":"99192c56460a","_type":"span","marks":[],"text":""},{"_key":"cd397bb8b28b","_type":"mainAnchor","pageAnchor":{"_ref":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"reference"}},{"_key":"7641de600604","_type":"span","marks":[],"text":"The cons of Lifetime ISAs"}],"markDefs":[],"style":"h2"},{"_key":"a73a74fc3a46","_type":"block","children":[{"_key":"9f23de66b6dc","_type":"span","marks":[],"text":""},{"_key":"723f7c554450","_type":"mainAnchor","pageAnchor":{"_ref":"32d466f0-75e7-47ff-ba18-423bfe28314c","_type":"reference"}},{"_key":"a142763ec4d7","_type":"span","marks":[],"text":"❌ 25% withdrawal penalty"}],"markDefs":[],"style":"h3"},{"_key":"6a98825a2a7a","_type":"block","children":[{"_key":"b98a0900bd25","_type":"span","marks":[],"text":"This is the sting in the tail. If you take money out of your LISA for anything other than your first home or after age 60, you'll face a 25% penalty on the total withdrawal amount. That’s not just losing your bonus - it actually eats into your own savings. For example, save £4,000 and you’ll get a £1,000 bonus. But if you withdraw early, you’ll get back just £3,750 – losing £250 of your original cash. 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This "},{"_key":"829fe773b86e","_type":"span","marks":["e7d659d6bafa"],"text":"interactive house price map"},{"_key":"39e307a9503c","_type":"span","marks":[],"text":" can give you a good indication of what property prices are like in the region you want to buy in."}],"markDefs":[{"_key":"e7d659d6bafa","_type":"internalLinkPick","blank":true,"reference":{"_ref":"f0809b81-b5c8-4dd7-b27f-55676826f0de","_type":"reference"}}],"style":"normal"},{"_key":"78977703846c","_type":"block","children":[{"_key":"73eabbd39933","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"62bb36bd8b48","_type":"blockQuote","adviserName":"Alice Haine","jobTitle":"Personal Finance Analyst, Bestinvest","photo":{"_type":"mainImage","blankAltTag":true},"quote":[{"_key":"ae0328fe5980","_type":"block","children":[{"_key":"42c759ebd91e","_type":"span","marks":[],"text":"The £450,000 cap on the value of a first home a LISA saver can use their pot for is restrictive as it has never increased and average homes in some parts of the country, particularly in London, are higher than this - something that can prevent first-time buyers from using their LISA pot for its intended purpose."}],"markDefs":[],"style":"normal"}]},{"_key":"595b227aed23","_type":"block","children":[{"_key":"61c85c7c46f4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"29e5815ac3a7","_type":"block","children":[{"_key":"706f02f0f1f2","_type":"span","marks":[],"text":"FREE TOOL: Not sure which LISA is right for you?"}],"markDefs":[],"style":"h4"},{"_key":"413101212e38","_type":"block","children":[{"_key":"689ff7bc39ee","_type":"span","marks":[],"text":"Answer 6 questions. 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Independent, unbiased, free."}],"markDefs":[],"style":"normal"}],"_key":"8c91ab282a38","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"reference":{"_ref":"249771c5-00b0-4103-9775-fe8bb8339397","_type":"reference"},"text":"FIND MY LISA"},{"_key":"90f8fc0038e2","_type":"block","children":[{"_key":"4d64bf2d7d95","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"327f92be6347","_type":"block","children":[{"_key":"eef7dc82c75b","_type":"span","marks":[],"text":""},{"_key":"beea77c49480","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"29209b7cf1d0","_type":"span","marks":[],"text":"Top questions about Lifetime ISAs"}],"markDefs":[],"style":"h2"},{"_key":"79488cf43988","_type":"block","children":[{"_key":"2f9f7854086d","_type":"span","marks":[],"text":""},{"_key":"ce12aa971a3d","_type":"mainAnchor","pageAnchor":{"_ref":"126f92a2-61db-45bc-9444-4172007cc99b","_type":"reference"}},{"_key":"0ca5727a4ba1","_type":"span","marks":[],"text":"Should I get a Cash or Stocks & Shares LISA?"}],"markDefs":[],"style":"h3"},{"_key":"5142c4daf51d","_type":"block","children":[{"_key":"cb6471826a2e","_type":"span","marks":[],"text":"There are two types of Lifetime ISA: Cash and Stocks & Shares. Both come with the same government bonus and annual limits, but they work very differently. Picking the right one comes down to your "},{"_key":"d9e9731f663d","_type":"span","marks":["3a3bc5a73b71"],"text":"time horizon"},{"_key":"4eb12f9acbb2","_type":"span","marks":[],"text":","},{"_key":"6381f724d6f2","_type":"span","marks":["2b2883d3e850"],"text":" risk appetite "},{"_key":"e69e3d71ad41","_type":"span","marks":[],"text":"and what you’re saving for."}],"markDefs":[{"_key":"3a3bc5a73b71","_type":"glossaryPick","reference":{"_ref":"a763c342-c27a-444a-b56e-bcb9872c31d0","_type":"reference"}},{"_key":"2b2883d3e850","_type":"glossaryPick","reference":{"_ref":"5c1b3b32-e538-4348-9962-230c72bb1e7d","_type":"reference"}}],"style":"normal"},{"_key":"56352191ef6e","_type":"block","children":[{"_key":"5345ed11b482","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f6f47e9ef7d5","_type":"prosConsWidget","prosTitle":"Cash LISA: Usually better for first-time buyers"},{"_key":"3e6319653bb0","_type":"block","children":[{"_key":"f52aa8c46407","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c0c12f7c8ca2","_type":"block","children":[{"_key":"438260621053","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a48c022bc56e","_type":"block","children":[{"_key":"f16fc526bd72","_type":"span","marks":[],"text":"Cash LISAs are simple - they work essentially like a savings account, with interest paid tax-free. Your money is protected (up to £85,000 per provider under FSCS), and your returns are pretty predictable as with most cash products. Ideal if you’re:"}],"markDefs":[],"style":"normal"},{"_key":"667e87cbca8c","_type":"block","children":[{"_key":"e5d0e561e688","_type":"span","marks":[],"text":"Planning to buy your first home within the next 5 years or so"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e8f3a9409335","_type":"block","children":[{"_key":"3e0e74fcfebd","_type":"span","marks":[],"text":"Risk-averse and don’t want to worry about market ups and downs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"103253ad836e","_type":"block","children":[{"_key":"bdada4d710a2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"46275838f90b","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"66092ea118a3","_type":"block","children":[{"_key":"70a8a799824a","_type":"span","marks":["strong"],"text":"The catch?"},{"_key":"921c05ecf9b6","_type":"span","marks":[],"text":" With the maximum annual contribution at just £4,000, those saving to buy a property in the near future may find they want to be tucking away more than this. Though if this is the case, you may find it's a good idea to open a Cash LISA and max it out "},{"_key":"f9c6b4e198f3","_type":"span","marks":["em"],"text":"on top of "},{"_key":"c769621954b1","_type":"span","marks":[],"text":"any existing deposit savings you have in another account to turbo-charge your home-buying mission."}],"markDefs":[],"style":"normal"}]},{"_key":"7a914c5229ea","_type":"block","children":[{"_key":"cba9bfeab789","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c55794d44594","_type":"prosConsWidget","prosTitle":"Stocks & Shares LISA: Better suited for longer-term retirement saving"},{"_key":"abbd2be2e107","_type":"block","children":[{"_key":"40b3b216f6ad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4604196fb97b","_type":"block","children":[{"_key":"724c2441ad71","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7afc5b8b0e2b","_type":"block","children":[{"_key":"efbbc1199d43","_type":"span","marks":[],"text":"Stocks & Shares LISAs invest your money in things like shares, bonds and funds to grow your savings over the long term, ideally beating "},{"_key":"24577cb1a0a3","_type":"span","marks":["78b730866ab1"],"text":"inflation"},{"_key":"f1cf60164956","_type":"span","marks":[],"text":" and interest rates. Best suited for savers who are:"}],"markDefs":[{"_key":"78b730866ab1","_type":"glossaryPick","reference":{"_ref":"9d62b1af-7674-4f39-ba20-b0154d565241","_type":"reference"}}],"style":"normal"},{"_key":"d3a084dc6a11","_type":"block","children":[{"_key":"97a6e38ecac5","_type":"span","marks":[],"text":"Investing for retirement or a home more than 5 years away"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"30c36bdbe677","_type":"block","children":[{"_key":"9c7dabdef38f","_type":"span","marks":[],"text":"Comfortable with ups and downs in the market"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"79e2f11b5be2","_type":"block","children":[{"_key":"604800256d92","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"35e55a906d57","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"e499a63990ff","_type":"block","children":[{"_key":"ecdab26a58a2","_type":"span","marks":["strong"],"text":"What about risk?"},{"_key":"e6c05a17e415","_type":"span","marks":[],"text":" The usual warning that investments can fall as well as rise applies here. If you need your money quickly and the market dips just as you want to buy, you could end up with less than you put in (plus the government bonus). However, historical evidence indicates "},{"_key":"48fe9ee88c83","_type":"span","marks":["ddc6e7ab0e78"],"text":"the stock market tends to perform better than cash"},{"_key":"ed8138342e26","_type":"span","marks":[],"text":" over the long-term, so if you've got more time on your hands then a Stocks & Shares LISA could be a better fit."}],"markDefs":[{"_key":"ddc6e7ab0e78","_type":"internalLinkPick","reference":{"_ref":"e8801998-7f58-49d9-8198-9baa06f77fd3","_type":"reference"}}],"style":"normal"}]},{"_key":"77cf1fee1f17","_type":"block","children":[{"_key":"760dd18f40eb","_type":"span","marks":[],"text":""},{"_key":"924449815eef","_type":"mainAnchor","pageAnchor":{"_ref":"0b463545-ed2c-41b1-bdef-c7ba2cbbae6d","_type":"reference"}},{"_key":"97190e367060","_type":"span","marks":[],"text":"How much could I save with a Lifetime ISA?"}],"markDefs":[],"style":"h3"},{"_key":"70645fa7b429","_type":"block","children":[{"_key":"daf83f528579","_type":"span","marks":[],"text":"The amount you can build up in a Lifetime ISA depends on how much you contribute, whether you choose a Cash or Stocks & Shares LISA, and how your savings or investments perform over time."}],"markDefs":[],"style":"normal"},{"_key":"1621ccbee2fc","_type":"block","children":[{"_key":"a94b75d1ab51","_type":"span","marks":[],"text":"If you max out your contributions on a Cash ISA (£4,000 a year from age 18 to 50), you could deposit £128,000 in total. Add in the 25% government bonus, and that’s an extra £32,000, bringing your pot to £160,000. And that's not including any interest earned on top of this."}],"markDefs":[],"style":"normal"},{"_key":"9c23639459b3","_type":"block","children":[{"_key":"2fd09c9aeb72","_type":"span","marks":[],"text":"With a Stocks & Shares LISA, you benefit from potential investment growth. Assuming average annual returns of 5% (not guaranteed and used here purely as an illustration), your Lifetime ISA could grow to over £395,000 by age 50. That’s the power of long-term investing and compound interest again."}],"markDefs":[],"style":"normal"},{"_key":"08f9476635e7","_type":"block","children":[{"_key":"d2ddf0f675aa","_type":"span","marks":[],"text":"However, stock markets do rise and fall and returns are never guaranteed. So while the potential for higher returns is real, so is the risk of losses, especially in the short term."}],"markDefs":[],"style":"normal"},{"_key":"6f04d9d6accc","_type":"block","children":[{"_key":"9fc58f75e3fd","_type":"span","marks":[],"text":"A Cash LISA, on the other hand, offers more stability - but usually lower growth. The interest paid on Cash LISAs differs from provider to provider and may struggle to keep pace with inflation - eroding the real value of your savings over longer periods of time. While they can work well for short to medium-term homebuyers, cash savings are usually less effective for long-term retirement savings."}],"markDefs":[],"style":"normal"},{"_key":"914b59d8e423","_type":"block","children":[{"_key":"ceddca84126a","_type":"span","marks":[],"text":""},{"_key":"b77d55caf457","_type":"mainAnchor","pageAnchor":{"_ref":"13927e4c-6d8f-49d4-9ab6-b684767b45f7","_type":"reference"}},{"_key":"9b3b6181a997","_type":"span","marks":[],"text":"LISA calculator"}],"markDefs":[],"style":"h4"},{"_key":"b6f2d2435866","_type":"block","children":[{"_key":"3bf3a83d5a53","_type":"span","marks":[],"text":"This Lifetime ISA calculator from Plum can help you to forecast how much you could save, including the government bonus, and assuming any cash interest or investment returns. It also allows you to compare your savings to average house prices in different parts of the UK to see how your deposit might measure up to the market. Click the link below to start."}],"markDefs":[],"style":"normal"},{"_key":"3ef54e5174f2","_type":"block","children":[{"_key":"370aeb6ab96e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"c580970e50ba","_type":"block","children":[{"_key":"89fdfe50ffc5","_type":"span","marks":["strong"],"text":"Calculate how a LISA could help you save for your dream home"}],"markDefs":[],"style":"normal"}],"_key":"7d4a3d247653","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"reference":{"_ref":"1eaf9a8c-2b48-47a2-b7a7-a4ca4aacc5b4","_type":"reference"},"text":"CALCULATE"},{"_key":"586004c90c3f","_type":"block","children":[{"_key":"5b5f84fd06f6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e2ac922bc398","_type":"block","children":[{"_key":"7ae8eb891330","_type":"span","marks":[],"text":""},{"_key":"52cc886c1db7","_type":"mainAnchor","pageAnchor":{"_ref":"5acb819f-6fa2-47c5-a9d2-f1ed1173ae55","_type":"reference"}},{"_key":"ccb07ac438dc","_type":"span","marks":[],"text":"Can I use my LISA with someone else?"}],"markDefs":[],"style":"h3"},{"_key":"bc94c3686159","_type":"block","children":[{"_key":"8eb79f25eeca","_type":"span","marks":[],"text":"Yes, you can use your Lifetime ISA alongside someone else’s when buying your first home. If both of you are first-time buyers and each have a LISA, you can both put your savings and the 25% government bonuses towards the same property. That could mean up to £10,000 a year between you in contributions and top-ups, which can give your deposit a serious boost!"}],"markDefs":[],"style":"normal"},{"_key":"7c2d5a358bfa","_type":"block","children":[{"_key":"ee795a097c27","_type":"span","marks":[],"text":"But here’s the catch: if your partner (or co-buyer) is not a first-time buyer, you can still use "},{"_key":"8e37f5054a91","_type":"span","marks":["em"],"text":"your"},{"_key":"0fce08a17d82","_type":"span","marks":[],"text":" LISA, but they can’t use theirs. The property must also still cost £450,000 or less. The non-first-time buyer would need to fund their share another way."}],"markDefs":[],"style":"normal"},{"_key":"dc85c768b81d","_type":"block","children":[{"_key":"3d2dda1d1c50","_type":"span","marks":[],"text":"So yes, you can buy with someone else - but whether they can use a LISA too depends on their own first-time buyer status."}],"markDefs":[],"style":"normal"},{"_key":"6139d83f9b9d","_type":"block","children":[{"_key":"0fbca3c24370","_type":"span","marks":[],"text":""},{"_key":"139a5f7981e1","_type":"mainAnchor","pageAnchor":{"_ref":"fe0e398d-b7a8-4dd3-9277-f69f1a2581b8","_type":"reference"}},{"_key":"1e2c10d80e2e","_type":"span","marks":[],"text":"Can I move a Help to Buy ISA to a Lifetime ISA?"}],"markDefs":[],"style":"h3"},{"_key":"9d8b37af8d87","_type":"block","children":[{"_key":"5b0afd562a85","_type":"span","marks":[],"text":"Yes, you can. People generally consider moving if they want to access the stock market - not just cash - or if they can save up to the maximum £4,000 a year and so benefit from the total government bonus. The big caveat is that there were no hefty withdrawal fees on the Help to Buy ISA if you changed your mind and just closed the account. However, remember that there "},{"_key":"eecc30ee6fbd","_type":"span","marks":["em"],"text":"is "},{"_key":"481a0d232cb4","_type":"span","marks":[],"text":"one on all withdrawals from a Lifetime ISA that aren't explicitly for purchasing your first property or for retirement."}],"markDefs":[],"style":"normal"},{"_key":"4b1a3c50da24","_type":"block","children":[{"_key":"b6056bb6406a","_type":"span","marks":[],"text":"You can choose to transfer all - or just some - of a Help to Buy ISA into a Lifetime ISA, as long as you don’t transfer more than the annual £4,000 LISA allowance during a single tax year (which runs from 6 April). If you have more than £4,000 in a Help to Buy ISA, you’ll have to stagger the transfer over more than one tax year and do it in two hits. And you'll be foregoing the penalty-free withdrawals of the Help to Buy ISA. So think carefully about whether this is definitely the right choice for you."}],"markDefs":[],"style":"normal"},{"_key":"5f160ba7fd65","_type":"block","children":[{"_key":"abecca288df3","_type":"span","marks":[],"text":"Also, a Lifetime ISA needs to have been opened for at least 12 months before you can use it to buy your first home, so bear this in mind if you're considering switching close to when you purchase a property."}],"markDefs":[],"style":"normal"},{"_key":"9dbe74d2e878","_type":"block","children":[{"_key":"08587704f398","_type":"span","marks":[],"text":""},{"_key":"469be2efac4b","_type":"mainAnchor","pageAnchor":{"_ref":"bfccf389-5c65-4e59-b727-fd97eee75b82","_type":"reference"}},{"_key":"a811e9a69daf","_type":"span","marks":[],"text":"What happens to my LISA after I turn 50?"}],"markDefs":[],"style":"h3"},{"_key":"288eaf94389b","_type":"block","children":[{"_key":"cc8aebe3d6e1","_type":"span","marks":[],"text":"Once you turn 50, your Lifetime ISA effectively locks. You can no longer pay into it, and the 25% government bonus stops. However, the money you’ve built up doesn’t disappear - it stays invested or in cash (depending on the type of LISA you chose) and continues to grow tax-free. You can leave your money where it is until you're ready to access it - which can be any time from age 60 without penalty."}],"markDefs":[],"style":"normal"},{"_key":"ab1de57704f1","_type":"block","children":[{"_key":"dd350eb952cd","_type":"span","marks":[],"text":""},{"_key":"e55c9858c9a3","_type":"mainAnchor","pageAnchor":{"_ref":"34b1353a-e3e4-4949-a55d-dde0ba144f90","_type":"reference"}},{"_key":"d2d0604dcd8c","_type":"span","marks":[],"text":"Key takeaways on Lifetime ISAs"}],"markDefs":[],"style":"h2"},{"_key":"4698d39363ed","_type":"block","children":[{"_key":"2e2cdda09e44","_type":"span","marks":[],"text":"💰 25% government bonus but with strings attached"}],"markDefs":[],"style":"h3"},{"_key":"494066e4177a","_type":"block","children":[{"_key":"64da0cdb31c5","_type":"span","marks":[],"text":"The Lifetime ISA gives you a hefty 25% boost from the government, up to £1,000 a year. But that generosity comes with rules: use it only for a first home (under £450k) or after age 60, or you’ll be penalised. It’s a powerful savings boost - unless you break the terms."}],"markDefs":[],"style":"normal"},{"_key":"576f0edb3787","_type":"block","children":[{"_key":"4d2c023ed7be","_type":"span","marks":[],"text":"🏠 Designed for first homes or retirement, not much else"}],"markDefs":[],"style":"h3"},{"_key":"bc0c59cf1f87","_type":"block","children":[{"_key":"0b05804f8b3e","_type":"span","marks":[],"text":"LISAs are laser-focused on two life goals: buying your first property or building a retirement pot. That’s great if you’re aiming for either, but it makes your money less flexible than with other ISAs. Emergencies? Big trips? You’ll pay to dip in early."}],"markDefs":[],"style":"normal"},{"_key":"363e7de73c37","_type":"block","children":[{"_key":"5ec9980159a5","_type":"span","marks":[],"text":"📊 Cash or Stocks & Shares - pick based on timeline"}],"markDefs":[],"style":"h3"},{"_key":"f6bac1cd74ad","_type":"block","children":[{"_key":"d56de3ae78fe","_type":"span","marks":[],"text":"Generally, Cash LISAs are better for short-term homebuyers, while Stocks & Shares LISAs suit longer-term savers who want to beat inflation and can ride out market swings. Either way, all growth is tax-free - a big win over standard savings accounts."}],"markDefs":[],"style":"normal"}],"categories":[{"_key":"7b8037a56beb","_ref":"9449f276-851c-4943-a4de-3390e0ddb339","_type":"reference"},{"_key":"69e0839c81fc","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"0ce109221636","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"},{"_key":"b509f08ba904","_ref":"dde8f78c-cf90-4642-9b65-3401bde72d25","_type":"reference"}],"enableGatedContent":false,"excerpt":[{"_key":"9c62d3579dd6","_type":"block","children":[{"_key":"83b86c89032a","_type":"span","marks":[],"text":"Learn how Lifetime ISAs work, including pros, cons, contribution limits and withdrawal rules. Find out if a Cash or Stocks & Shares LISA is right for your savings goals."}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":false,"linkMenu":[{"_key":"bf25193a184f","_ref":"bd7e02b5-6a18-496a-a4a4-5981f3b15520","_type":"reference"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-d792dc36dd5c9f6d8b6144a2cf967c9a42b3c41b-3840x2160-png","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"8f6c081c-fcd8-4a79-a2ad-b58aeed72f97","_type":"reference"},"publishedAt":"2026-07-17T10:17:22.848Z","slug":{"_type":"slug","current":"lifetime-isa"},"subfolder":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"template":"C-SB","theme":"Boring Money theme","title":"Lifetime ISAs for First-Time Buyers and Retirement: A No-Nonsense Guide","widgets":[{"_key":"2dca05f205fa","_ref":"79cbfce0-99a3-451e-82d4-c0b6a4487777","_type":"reference"},{"_key":"df965ad857af","_ref":"2d98a13f-5211-453c-be9e-9785894654db","_type":"reference"},{"_key":"f610a3016e6e","_ref":"bd52d3fb-8c34-42af-937b-c07bfe971d53","_type":"reference"},{"_key":"eea655d06b60","_ref":"2ec70f10-4986-454c-990f-b04eefcc6d9a","_type":"reference"},{"_key":"33967e771cd5","_ref":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","_type":"reference"},{"_key":"2657f266319f","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-e79684b9-33b0-52c1-bcb5-d9ca23ba8615","children":[],"parent":null}}],"style":"normal"},{"_key":"012466f99706","_type":"block","children":[{"_key":"7e4b735f61aa0","_type":"span","marks":["cb03588cb6ff"],"text":"Junior ISA "},{"_key":"2d6c04cafc03","_type":"span","marks":[],"text":"– for saving for your kids or grandkids (can be in cash or stocks & shares varieties)"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"cb03588cb6ff","_type":"internalLinkPick","reference":{"_id":"10ff81a7-9b4e-4d42-bf3c-c4bec3734358","_type":"information","_rev":"ipYry1VgJa0KZ1LTMwkl3l","_createdAt":"2021-06-22T08:43:49Z","_updatedAt":"2026-09-01T12:30:05Z","_system":{"base":{"id":"10ff81a7-9b4e-4d42-bf3c-c4bec3734358","rev":"LfEfsB5XP0NjfrgVDNhEBE"}},"authors":[{"_key":"4633faad6472","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"89069a77ddf2","_type":"block","children":[{"_key":"d59a5a0dc5ad","_type":"span","marks":[],"text":"Written by "},{"_key":"258051ab7c64","_type":"span","marks":["strong","a7801aab9871"],"text":"Boring Money"}],"markDefs":[{"_key":"a7801aab9871","_type":"internalLinkPick","blank":true,"reference":{"_ref":"d303d967-e483-4761-b7bf-65760d5b1b66","_type":"reference"}}],"style":"normal"}],"body":[{"_key":"609755f77842","_type":"anchorMenuMobile","title":"s"},{"_key":"726c5d0205d8","_type":"block","children":[{"_key":"3dbdec2b0be7","_type":"span","marks":[],"text":""},{"_key":"c162d122057e","_type":"mainAnchor","pageAnchor":{"_ref":"728b867f-e445-470c-b1e5-556afbe0eb45","_type":"reference"}},{"_key":"37d8f2e9911c","_type":"span","marks":[],"text":"The basics of Junior ISAs"}],"markDefs":[],"style":"h2"},{"_key":"6a1cf411bec1","_type":"prosConsWidget","pros":["Save up to £9,000 a year per child","Both Cash and Stocks & Shares versions","Grandparents can pay in too!","No withdrawals until the rugrats are 18"],"prosTitle":"In a nutshell"},{"_key":"41d49705d0ca","_type":"block","children":[{"_key":"378ee462c196","_type":"span","marks":[],"text":""},{"_key":"141827edf116","_type":"mainAnchor","pageAnchor":{"_ref":"c2d6e638-fc28-40e6-b4f7-0024889ccec0","_type":"reference"}},{"_key":"18dda2dd8f95","_type":"span","marks":[],"text":"What is a Junior ISA?"}],"markDefs":[],"style":"h2"},{"_key":"fa194975510f","_type":"block","children":[{"_key":"6225265508d8","_type":"span","marks":[],"text":"A Junior ISA (also known as a JISA) is a tax-free savings accounts which allows you to build up a nest egg for the kids without worrying about keeping the taxman's mittens off their money. "}],"markDefs":[],"style":"normal"},{"_key":"771ab82c3a5f","_type":"block","children":[{"_key":"16010b9c9f80","_type":"span","marks":[],"text":"You can open a Junior ISA for each of your children under the age of 18 and can put in up to £9,000 every single year without paying a penny of tax. They come in Cash and Stocks & Shares varieties so you can choose which type suits your (and your kids') needs best. Plus, anyone can pay into a JISA until your child’s 18th birthday, at which point your little one (or not-so-little one anymore!) gets their hands on the money. "}],"markDefs":[],"style":"normal"},{"_key":"1975a1680773","_type":"block","children":[{"_key":"69e8131fb564","_type":"span","marks":[],"text":"Note though that you can't open a JISA if you already have a Child Trust Fund, and though your kids can only access their funds once they turn 18, they can control the account from the age of 16."}],"markDefs":[],"style":"normal"},{"_key":"446ba4087a87","_type":"block","children":[{"_key":"4595b085abb1","_type":"span","marks":[],"text":""},{"_key":"3ebca64a425e","_type":"mainAnchor","pageAnchor":{"_ref":"632c61cd-4d63-47f4-9817-67b20629f501","_type":"reference"}},{"_key":"ef484d5b53ce","_type":"span","marks":[],"text":"How do Junior ISAs work?"}],"markDefs":[],"style":"h2"},{"_key":"cdecde60fb6f","_type":"block","children":[{"_key":"86d21847fca90","_type":"span","marks":[],"text":"There are 2 different types of Junior ISA that you can open on behalf of your kids: the Cash JISA and the Stocks & Shares JISA. Though the tax breaks and annual allowances are pretty much the same, the way your money is stored is a bit different. Let's discuss."}],"markDefs":[],"style":"normal"},{"_key":"0180e6487336","_type":"block","children":[{"_key":"65a4359d649e","_type":"span","marks":[],"text":""},{"_key":"15d59df35103","_type":"mainAnchor","pageAnchor":{"_ref":"a7f6d016-becd-443f-9b6c-ef266c1c75c2","_type":"reference"}},{"_key":"50c848071522","_type":"span","marks":[],"text":"What is a Cash JISA?"}],"markDefs":[],"style":"h3"},{"_key":"ca2faa2ad471","_type":"block","children":[{"_key":"129181b420ca0","_type":"span","marks":[],"text":"A Cash JISA is a Junior ISA where the money in the account is held in cash, rather than invested in the stock market. As you're not buying shares in lots of different companies, this usually means there's less risk involved. But it's important to remember that cash isn't immune to inflation, so you're not completely invincible with a Cash JISA either."}],"markDefs":[],"style":"normal"},{"_key":"f3e753161d05","_type":"block","children":[{"_key":"02092e915f490","_type":"span","marks":[],"text":"It'd be hard to miss the headlines about the cost of living crisis at the moment, and with inflation soaring to levels some of us haven't seen since the '70s, cash is actually losing its purchasing power. What this means is that the same £9,000 you put into a Cash JISA this year might not be able to buy you as many things in a few years' time, as inflation has eaten away at its value."}],"markDefs":[],"style":"normal"},{"_key":"7ca681f49bf8","_type":"block","children":[{"_key":"17840cd7db01","_type":"span","marks":[],"text":"However, Cash Junior ISAs are popular with families that aren't so keen on the idea of putting money intended for the kids into the stock market, where the value of the underlying investments can yo-yo at any given time. Cash is widely considered a safer and steadier asset, so if you're not comfortable with investing on your kids' behalf then a Cash JISA is probably best for you."}],"markDefs":[],"style":"normal"},{"_key":"03d6552c5249","_type":"block","children":[{"_key":"911f667e98610","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"54d1a30eb862","_type":"block","children":[{"_key":"749f4c0ece42","_type":"span","marks":["strong"],"text":"Learn about the pros and cons of saving with cash"}],"markDefs":[],"style":"normal"}],"_key":"c693704a3c3a","_type":"ctaWidget","reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"},"text":"READ MORE"},{"_key":"4280abc3db8a","_type":"block","children":[{"_key":"b5abeae806ce0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4addfa5ccc00","_type":"block","children":[{"_key":"82a91437fb09","_type":"span","marks":[],"text":""},{"_key":"53b9f5135726","_type":"mainAnchor","pageAnchor":{"_ref":"17c18161-a57a-4d12-8b74-dafdcb1fea2c","_type":"reference"}},{"_key":"d09d3f5704010","_type":"span","marks":[],"text":"What is a Stocks & Shares JISA?"}],"markDefs":[],"style":"h3"},{"_key":"701dbed4c936","_type":"block","children":[{"_key":"c26223c48a760","_type":"span","marks":[],"text":"A Stocks & Shares JISA is similar to a Cash JISA, but instead of your kids' savings sitting idly in cash, it's invested in the stock market - in things like "},{"_key":"45ea290df4ff","_type":"span","marks":["6f5b3eea9e0a"],"text":"shares"},{"_key":"444ba8ee6ceb","_type":"span","marks":[],"text":" and "},{"_key":"290ac7cd4b15","_type":"span","marks":["80233f6c81c1"],"text":"funds"},{"_key":"ae69cfc998c1","_type":"span","marks":[],"text":" - in an attempt to grow their money and earn a profit."}],"markDefs":[{"_key":"6f5b3eea9e0a","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}},{"_key":"80233f6c81c1","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"d3482585d6e8","_type":"block","children":[{"_key":"4caddff85b480","_type":"span","marks":[],"text":"In the same way as you can with a regular "},{"_key":"16843dda2133","_type":"span","marks":["a3b62ef49dec"],"text":"Stocks & Shares ISA"},{"_key":"146a3608953d","_type":"span","marks":[],"text":", you can choose how you want to invest for your kids, picking your preferred provider as well as the individual assets you're investing - so it's customisable. For example's sake, let's say you'd like to invest for your children but you're not so sure about the idea of taking on too much risk (it's "},{"_key":"3ba38c0b4fef","_type":"span","marks":["em"],"text":"their "},{"_key":"d68992e4a0be","_type":"span","marks":[],"text":"money after all, they just don't get it until they're 18). You might opt for a low-risk selection of investments to minimise the chances that your kids' money will fall in value."}],"markDefs":[{"_key":"a3b62ef49dec","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"a961c2fd0027","_type":"block","children":[{"_key":"943a1750bd280","_type":"span","marks":[],"text":"There are loads of Junior ISA providers on the market which allow you to pick from a pre-made selection of investments according to the level of risk you're comfortable with, and these "},{"_key":"b45c25aec8b7","_type":"span","marks":["3c50e321b818"],"text":"ready-made portfolios"},{"_key":"c3dbfd7a0256","_type":"span","marks":[],"text":" make a great addition to a Stocks & Shares JISA. Alternatively, you can get straight to the point and pick whichever individual funds or shares you want by yourself. Shop around and see which providers have what you're looking for."}],"markDefs":[{"_key":"3c50e321b818","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"5f953562861e","_type":"block","children":[{"_key":"f4653c1f42020","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"3b517ab74465","_type":"block","children":[{"_key":"9d9fd587a15d","_type":"span","marks":["strong"],"text":"See which provider won the Best Buy JISA award for 2023 "}],"markDefs":[],"style":"normal"}],"_key":"993d2d172d57","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"cc973de9-f492-4486-8ef6-1449bb253705","_type":"reference"},"text":"SHOW ME"},{"_key":"d42bdeb7ea37","_type":"block","children":[{"_key":"6769896f62b6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8335ca36587f","_type":"block","children":[{"_key":"d08f3dfa32a7","_type":"span","marks":[],"text":""},{"_key":"4833f1b63d5a","_type":"mainAnchor","pageAnchor":{"_ref":"6147816f-4876-4eb3-8338-827a30d40085","_type":"reference"}},{"_key":"8df1cdf2501c","_type":"span","marks":[],"text":"Is a Junior ISA right for me?"}],"markDefs":[],"style":"h2"},{"_key":"ad48f934deda","_type":"block","children":[{"_key":"bf7ab11e3bcf0","_type":"span","marks":[],"text":"Not sure if a Junior ISA is the right choice for your family? It can be stressful trying to decide which financial products you need for yourself, let alone for your kids! Have a browse of the pros and cons of JISAs in the table below to work out if they're right for you."}],"markDefs":[],"style":"normal"},{"_key":"14689b287807","_type":"prosConsWidget","cons":["Your kids are all over the age of 18","You don't want them to get their hands on it on their 18th birthday","You already have a Child Trust Fund"],"consTitle":"Bad if","pros":["You have a child or children under the age of 18","You've got a generous family who'll contribute to it","You want to teach your kids about saving money"],"prosTitle":"Good if"},{"_key":"29a935b41cbb","_type":"block","children":[{"_key":"ef54b90ac415","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f34a9b8c20e6","_type":"block","children":[{"_key":"b30e0ab7e19e","_type":"span","marks":[],"text":""},{"_key":"590c58faf0b9","_type":"mainAnchor","pageAnchor":{"_ref":"5ac3e3d4-c21f-42e2-92de-811e45d7eba6","_type":"reference"}},{"_key":"b9192e9a9f95","_type":"span","marks":[],"text":"How much can I save with a Junior ISA?"}],"markDefs":[],"style":"h2"},{"_key":"dbf239195c68","_type":"block","children":[{"_key":"d02181347a6b0","_type":"span","marks":[],"text":"You can save up to £9,000 into a Junior ISA per tax year, and these contributions can come from anyone, such as your kids' grandparents or bigger cousins. They don't take much to set up either. If you can spare £25-£50 a month, or have a lump sum of about £500 to hand, you can set up a Junior ISA with most major providers on the market. Some providers will let you set one up with as little as a single £1!"}],"markDefs":[],"style":"normal"},{"_key":"c0fc0752e1aa","_type":"block","children":[{"_key":"c5e2d4d06a2c","_type":"span","marks":[],"text":"The key here is to shop around, paying attention to minimum deposits and minimum monthly contributions, to see which JISAs are most sensible for your circumstances. You'll also want to check the fees and charges as these can differ vastly from provider to provider, and if you're opening Junior ISAs for multiple children, those could add up to a considerable amount before you even know it!"}],"markDefs":[],"style":"normal"},{"_key":"d0b4cbe99055","_type":"block","children":[{"_key":"c8aa6c8a6bd7","_type":"span","marks":[],"text":"Head over to our JISA compare tables to browse the market and get a sense of which provider is right for you. Read ours - and our readers' - reviews, compare monthly and annual charges, and see which have won our coveted 'Best Buy JISA' awards!"}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"29e5815ac3a7","_type":"block","children":[{"_key":"706f02f0f1f2","_type":"span","marks":[],"text":"FREE TOOL: Not sure which JISA is right for you?"}],"markDefs":[],"style":"h4"},{"_key":"413101212e38","_type":"block","children":[{"_key":"689ff7bc39ee","_type":"span","marks":[],"text":"Answer 6 questions. Get 3 tailored recommendations. Independent, unbiased, free."}],"markDefs":[],"style":"normal"}],"_key":"8c91ab282a38","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"reference":{"_ref":"249771c5-00b0-4103-9775-fe8bb8339397","_type":"reference"},"text":"FIND MY JISA"},{"_key":"1abf596bca2c","_type":"block","children":[{"_key":"481c51a5b399","_type":"span","marks":[],"text":""},{"_key":"1c870b39dcb1","_type":"mainAnchor","pageAnchor":{"_ref":"07bfc5ad-abe6-47eb-883d-b92e13a9e689","_type":"reference"}},{"_key":"d850e9f3930e","_type":"span","marks":[],"text":"What happens to a Junior ISA when my child turns 18?"}],"markDefs":[],"style":"h2"},{"_key":"fe841a247a08","_type":"block","children":[{"_key":"3fb890d6b2e8","_type":"span","marks":[],"text":"JISAs can be a great way to give the rugrats a dollop of cash for a house deposit, a car, or to fund their education, etc. However, you need to be aware that you can't control what they do with it. All the money you put in is locked away until your child's 18th birthday. At that point, it becomes their money and they are free to do whatever they like with it."}],"markDefs":[],"style":"normal"},{"_key":"e9017f99e09b","_type":"block","children":[{"_key":"de7d2a640b67","_type":"span","marks":[],"text":"There's one earlier milestone worth knowing about. Once your child turns 16, they can start making decisions about the account and can change the underlying investments if they wish, even though they still can't get their hands on the cash. Full control only kicks in at 18."}],"markDefs":[],"style":"normal"},{"_key":"ff941d00bcb0","_type":"block","children":[{"_key":"7cea93477a45","_type":"span","marks":[],"text":"It's also worth remembering that Junior ISAs are not flexible accounts, so you can't dip in and out of them. The money stays put until your child turns 18, barring very strict exceptions such as terminal illness or the account being closed."}],"markDefs":[],"style":"normal"},{"_key":"c8ac8462e35c","_type":"block","children":[{"_key":"369f075c647c","_type":"span","marks":[],"text":"If you've got a responsible one, you might be lucky and they'll use it for their university fees. If you haven't, maybe don't tell them it's there (did we just say that?). On their 18th birthday, the Junior ISA will roll over into a normal adult ISA."}],"markDefs":[],"style":"normal"},{"_key":"f1ef7130349c","_type":"block","children":[{"_key":"aecf63915e52","_type":"span","marks":[],"text":"Hargreaves Lansdown is the biggest provider of stocks & shares JISAs in the UK. Their data suggests our kids are pretty sensible, 97% of their JISAs transfer to adult ISAs and see no withdrawals in the first 12 months. And almost a third pay in more. When did kids get so sensible?"}],"markDefs":[],"style":"normal"},{"_key":"6fd5e29958d3","_type":"block","children":[{"_key":"adb7f4b74e04","_type":"span","marks":[],"text":"An alternative is of course, just to use your own ISA allowance to save for the kids and then you keep control of the money. It's less compartmentalised though, and you lose the effect of showing them the account and getting them involved."}],"markDefs":[],"style":"normal"},{"_key":"41e6bc709f7d","_type":"block","children":[{"_key":"d9f6c42fd84a","_type":"span","marks":[],"text":""},{"_key":"b428dfc715b1","_type":"mainAnchor","pageAnchor":{"_ref":"206409d7-e9cf-4762-8284-e30909591660","_type":"reference"}},{"_key":"13194d9c67c8","_type":"span","marks":[],"text":"Can I move a Child Trust Fund to a Junior ISA?"}],"markDefs":[],"style":"h2"},{"_key":"273cf2e41e64","_type":"block","children":[{"_key":"a5ce4a41e1f8","_type":"span","marks":[],"text":"Child Trust Funds (CTFs) are a type of saving account that were previously available for kids born between 1 September 2002 and 2 January 2011. Parents could use them to deposit free cash vouchers of up to £250 (or up to £500 if they were on a low income) that used to be handed out twice to each child by the government. But as they're now defunct, the question is... should you move it to the new kid on the block, the Junior ISA?"}],"markDefs":[],"style":"normal"},{"_key":"3a5ab587db7d","_type":"block","children":[{"_key":"410d4c1d9a1b0","_type":"span","marks":[],"text":"There’s no way to say this nicely: this is a bugger’s muddle. Many providers will not accept a transfer of Child Trust Funds into Junior ISAs. You can sometimes move from a Child Trust Fund to a Junior ISA with your original provider, though this can - and often will - incur fees. However, it's a bit trickier if you want to switch to another provider entirely, and you'll likely have to switch to a JISA with your original provider "},{"_key":"49d8f0247e84","_type":"span","marks":["em"],"text":"first "},{"_key":"51759eedf235","_type":"span","marks":[],"text":"before changing to the next one. AJ Bell and Hargreaves Lansdown are quite good on the admin here so it may be worth giving them a call to check if they could support a CTF transfer into a JISA with them."}],"markDefs":[],"style":"normal"},{"_key":"feacdee7429a","_type":"block","children":[{"_key":"5d9db38a7263","_type":"span","marks":[],"text":"Before moving, do contact your current provider and ask them about all exit fees. That’s the first step. And, if you've lost track of where your child’s Trust Fund is, you can search on the government’s website "},{"_key":"9384583b2e1f","_type":"span","marks":["59b589b09b70"],"text":"here"},{"_key":"ec070b1819f8","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"59b589b09b70","_type":"internalLinkPick","blank":true,"reference":{"_ref":"7e8157ea-41d8-48d1-8fde-a9e36c86f742","_type":"reference"}}],"style":"normal"},{"_key":"0cbdfb0798d4","_type":"block","children":[{"_key":"4cf7ad0cc817","_type":"span","marks":[],"text":""},{"_key":"63025aad9dc3","_type":"mainAnchor","pageAnchor":{"_ref":"41038ee2-7007-49ba-aa0e-1cc728b06686","_type":"reference"}},{"_key":"1a7aee92cd040","_type":"span","marks":[],"text":"Find the right Junior ISA provider"}],"markDefs":[],"style":"h2"},{"_key":"2e46ae7db05f","_type":"block","children":[{"_key":"ecc1b0f97b920","_type":"span","marks":[],"text":"Looking to open a Junior ISA for your kids? Not sure who to turn to? That's precisely where we come in. Head on over to our JISA compare tables to see which providers get our - and our readers' - seal of approval, on everything from fees to customer service. 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"}],"markDefs":[],"style":"normal"},{"_key":"ce0f343663b5","_type":"block","children":[{"_key":"58e4eeaf2d4f","_type":"span","marks":[],"text":"Your Income Tax band can also affect how much you need to pay for other types of tax, such as "},{"_key":"a5e0b33df3dc","_type":"span","marks":["00a19b1cea7c"],"text":"Capital Gains Tax "},{"_key":"7369c110f280","_type":"span","marks":[],"text":"on the profit you make from investments not shielded in an "},{"_key":"6492d86980be","_type":"span","marks":["751005e76d62"],"text":"ISA"},{"_key":"976ac6dec6f9","_type":"span","marks":[],"text":", or your eligibility for tax relief and allowances, such as the Personal Savings Allowance (more on this later). 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in the October 2024 Budget, which aligned shares and other assets with the existing residential property rates."}],"markDefs":[],"style":"normal"},{"_key":"df9c8d7fdd2b","_type":"block","children":[{"_key":"0556c176e60b","_type":"span","marks":[],"text":""},{"_key":"5989082f44c5","_type":"mainAnchor","pageAnchor":{"_ref":"2d2a2b85-acd8-4b78-a4cd-e2cfdfe7c1a2","_type":"reference"}},{"_key":"0b1271ec83e3","_type":"span","marks":[],"text":"When do you not have to pay Capital Gains Tax?"}],"markDefs":[],"style":"h2"},{"_key":"55e52363e9c6","_type":"block","children":[{"_key":"abc9b16f0144","_type":"span","marks":[],"text":"In most circumstances, you don’t have to pay any CGT when you sell your main home, for example, this is referred to as private residence relief. 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However, you may only need to pay a fixed rate of 14% in 2025-26 due to something called ‘business asset disposal relief’ – previously known as Entrepreneur’s Relief. "}],"markDefs":[],"style":"normal"},{"_key":"dc1b553af731","_type":"block","children":[{"_key":"8ece7d3b577c","_type":"span","marks":[],"text":"To qualify for this tax relief, both of the following must apply for at least 2 years up to the date you sell all or part of your business:"}],"markDefs":[],"style":"normal"},{"_key":"32683f748db1","_type":"block","children":[{"_key":"2b5744d29785","_type":"span","marks":[],"text":"Be a sole trader or business partner"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8ea15b90a55c","_type":"block","children":[{"_key":"1900ccf82013","_type":"span","marks":[],"text":"Be a director or employee holding at least 5% of shares and voting rights in the company"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"01eddd3dd0a4","_type":"block","children":[{"_key":"300d1e785949","_type":"span","marks":[],"text":"You can read more about business asset disposal relief on the gov.uk website "},{"_key":"75410475b7b5","_type":"span","marks":["7e5e95ec3b05"],"text":"here"},{"_key":"023bdde08024","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"7e5e95ec3b05","_type":"internalLinkPick","blank":true,"reference":{"_ref":"bcbfd36b-4791-4336-b48d-cd541087d532","_type":"reference"}}],"style":"normal"},{"_key":"cca422ee0c19","_type":"block","children":[{"_key":"ee39ceac4b00","_type":"span","marks":[],"text":"Do you pay Capital Gains Tax on overseas assets?"}],"markDefs":[],"style":"h2"},{"_key":"b4e4036f4e0f","_type":"block","children":[{"_key":"9b307360ce8d0","_type":"span","marks":[],"text":"You may still have to pay CGT even if the assets you’re selling are overseas. There are special rules if you’re a UK resident, but your permanent home is not in the UK. This can get a bit complex and is highly dependent on your unique circumstances, so we recommend you read the government’s official guidance "},{"_key":"580decd79566","_type":"span","marks":["61581245fadc"],"text":"here"},{"_key":"4dd3546d8f1c","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"61581245fadc","_type":"internalLinkPick","reference":{"_ref":"1e9b7c4a-bac7-447d-bb11-680e30c01103","_type":"reference"}}],"style":"normal"},{"_key":"1661999b8440","_type":"block","children":[{"_key":"2924ee35a7230","_type":"span","marks":[],"text":"If you’re abroad"}],"markDefs":[],"style":"h3"},{"_key":"b56930ba7043","_type":"block","children":[{"_key":"24ba84bdeee30","_type":"span","marks":[],"text":"You have to pay CGT on gains you make on selling property and land in the UK even if you’re anon-resident for tax purposes. 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There used to be different rates for residential property and shares, but these were equalised in the October 2024 budget and apply from April 2025 onwards."}],"markDefs":[],"style":"normal"},{"_key":"c9990d61c45b","_type":"block","children":[{"_key":"92930facfcbe","_type":"span","marks":[],"text":"Below is a table which summarises the rate of CGT you can expect to pay on different types of asset, depending on your usual tax band:"}],"markDefs":[],"style":"normal"},{"_key":"5044c91fa60b","_type":"block","children":[{"_key":"971ace287a39","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"79669ae02473","_type":"table","rows":[{"_key":"row-1783524670056-0","_type":"tableRow","cells":[{"_key":"cell-1783524670056-0-0","_type":"tableCell","content":[{"_key":"88f74817d4ce","_type":"block","children":[{"_key":"ebeecc335684","_type":"span","marks":["strong"],"text":"Type of asset"}],"markDefs":[],"style":"normal"}],"isHeader":true},{"_key":"cell-1783524670056-0-1","_type":"tableCell","content":[{"_key":"1a0ae6f859bd","_type":"block","children":[{"_key":"60f3a7bde51a","_type":"span","marks":["strong"],"text":"Basic-rate taxpayer"}],"markDefs":[],"style":"normal"}],"isHeader":true},{"_key":"cell-1783524670056-0-2","_type":"tableCell","content":[{"_key":"68b451f37314","_type":"block","children":[{"_key":"f81d5f11d50e","_type":"span","marks":["strong"],"text":"Higher or additional-rate taxpayer"}],"markDefs":[],"style":"normal"}],"isHeader":true}]},{"_key":"row-1783524670056-1","_type":"tableRow","cells":[{"_key":"cell-1783524670056-1-0","_type":"tableCell","content":[{"_key":"5f6e73fe9404","_type":"block","children":[{"_key":"f6d075d196e4","_type":"span","marks":[],"text":"Shares and funds (held outside an ISA)"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1783524670056-1-1","_type":"tableCell","content":[{"_key":"1c8bb6ecf33f","_type":"block","children":[{"_key":"65b7751db151","_type":"span","marks":[],"text":"18%"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1783524670056-1-2","_type":"tableCell","content":[{"_key":"49aa3f115c21","_type":"block","children":[{"_key":"260329b29fc4","_type":"span","marks":[],"text":"24%"}],"markDefs":[],"style":"normal"}],"isHeader":false}]},{"_key":"row-1783524670056-2","_type":"tableRow","cells":[{"_key":"cell-1783524670056-2-0","_type":"tableCell","content":[{"_key":"71856e6487bb","_type":"block","children":[{"_key":"c24dc3e4565a","_type":"span","marks":[],"text":"Residential property (not your main home)"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1783524670056-2-1","_type":"tableCell","content":[{"_key":"e374dc9cbd90","_type":"block","children":[{"_key":"58484a11abd8","_type":"span","marks":[],"text":"18%"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1783524670056-2-2","_type":"tableCell","content":[{"_key":"00194256038c","_type":"block","children":[{"_key":"871cf37e05c9","_type":"span","marks":[],"text":"24%"}],"markDefs":[],"style":"normal"}],"isHeader":false}]},{"_key":"row-1783524746160","_type":"tableRow","cells":[{"_key":"cell-1783524746160-0","_type":"tableCell","content":[{"_key":"03eb8fdf23bf","_type":"block","children":[{"_key":"6e5114b635bb","_type":"span","marks":[],"text":"Other assets (e.g. crypto, personal possessions worth over £6,000)"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1783524746160-1","_type":"tableCell","content":[{"_key":"e374dc9cbd90","_type":"block","children":[{"_key":"58484a11abd8","_type":"span","marks":[],"text":"18%"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1783524746160-2","_type":"tableCell","content":[{"_key":"ba77b0be9bfc","_type":"block","children":[{"_key":"e25f4f562e93","_type":"span","marks":[],"text":"24%"}],"markDefs":[],"style":"normal"}],"isHeader":false}]}],"tableStyle":"DB-W-LB"}],"brazeCustomAttributes":[{"_key":"40908864be2d","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_Article_Gated","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/essential-guide-to-capital-gains-tax/"}],"categories":[{"_key":"472e12f1cdac","_ref":"dd0844ff-d219-41f0-9006-8cc97e1faff1","_type":"reference"},{"_key":"fa6f64bb9d8c","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"}],"emailSignupWidgetButtonText":"SIGN UP","emailSignupWidgetParagraphText":"Join Boring Money for free today to make better money choices, whether using our guides, expert analysis, or comparison tools to find the best home for your money. Registering should take you less than a minute, so it's quick and painless.  \n\n  ","enableGatedContent":false,"excerpt":[{"_key":"d57fb56f92ca","_type":"block","children":[{"_key":"56c81c724226","_type":"span","marks":[],"text":"Capital Gains Tax (CGT) is paid on profits when you sell shares, property or other assets. The tax-free allowance is £3,000 in 2025–26. Rates are 18% or 24% depending on your tax band."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"d2d2469d0c51","_type":"block","children":[{"_key":"ad264d10055f","_type":"span","marks":["strong"],"text":"Capital Gains Tax is catching more investors than ever before. With the annual tax-free allowance slashed from £12,000 to just £3,000 in recent years, understanding when and how much CGT you'll pay has become essential for anyone investing outside an ISA."}],"markDefs":[],"style":"normal"},{"_key":"2bdec2e4c584","_type":"block","children":[{"_key":"abda2f250935","_type":"span","marks":[],"text":"Capital Gains Tax (CGT) is charged on the profit you make when selling assets like shares, bonds, property, or cryptocurrency. Once your gains exceed £3,000 in a tax year, you'll pay 18% as a basic rate taxpayer or 24% as a higher rate taxpayer on the excess."}],"markDefs":[],"style":"normal"},{"_key":"03ae04dabe56","_type":"block","children":[{"_key":"a5fa9fa21cc4","_type":"span","marks":[],"text":"The good news? Investments held in ISAs are completely exempt from CGT. 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The thresholds for paying the basic, higher and additional rates of tax remain frozen until at least 2028, dragging millions more taxpayers into higher rates of taxation as their income increases. "}],"markDefs":[],"style":"normal"}]},{"_key":"bad90ac0d7ff","_type":"block","children":[{"_key":"963c1ff15996","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"118f3565d0e7","_type":"block","children":[{"_key":"04f42ca053c60","_type":"span","marks":[],"text":"So you can see how investing with an ISA can save you from having to fill out complex "},{"_key":"fecb5c6d94be","_type":"span","marks":["61ca13407d88"],"text":"self-assessment tax returns"},{"_key":"0f2d5d4d4e12","_type":"span","marks":[],"text":" and faff around crunching the numbers! The bottom line is all the money earned in an ISA is shielded from UK tax. 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"}],"markDefs":[{"_key":"1d383bbb9e84","_type":"internalLinkPick","blank":true,"reference":{"_ref":"9d156163-52cd-4afd-9f5d-6c3e17b512c1","_type":"reference"}}],"style":"normal"},{"_key":"c3186efd8e33","_type":"block","children":[{"_key":"08921c36030a","_type":"span","marks":[],"text":"Making sure your form is correct and your details are up to date can prevent you from being charged too much tax – or too little. Filling out your own Self Assessment tax return also allows you to claim any tax allowances or relief you’re entitled to. 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"}],"markDefs":[],"style":"normal"},{"_key":"d071a3878879","_type":"block","children":[{"_key":"03a312666a62","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a0a7159dff0a","_type":"prosConsWidget","pros":["You were self-employed as a sole trader and earned more than £1,000 before taking off anything you claimed tax relief on","You were a partner is a business partnership","You had to pay Capital Gains Tax when you sold something that increased in value","You had to pay High Income Child Benefit Charge and do not pay it through PAYE","You are an off-payroll worker who is repaying a student/postgraduate loan"],"prosTitle":"You must send a tax return if, in the last tax year, any of the following applies:"},{"_key":"2734e8c35aa4","_type":"block","children":[{"_key":"768ccc910a54","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"fdfa01253cf3","_type":"prosConsWidget","pros":["Money from renting a property","Tips and commission"],"prosTitle":"You may also need to send a tax return if you have any untaxed income, like:"},{"_key":"d88f71f0f9bd","_type":"block","children":[{"_key":"a66840ab6fc6","_type":"span","marks":[],"text":""},{"_key":"bfdc6a5d7431","_type":"mainAnchor","pageAnchor":{"_ref":"f2c85e5c-1eb7-4870-9e2f-2cb2ef1c2aa7","_type":"reference"}},{"_key":"a1eca56e3b7c0","_type":"span","marks":[],"text":"What is the Self Assessment tax return deadline?"}],"markDefs":[],"style":"h2"},{"_key":"77a29e2e9737","_type":"block","children":[{"_key":"3020f5f1e6480","_type":"span","marks":[],"text":"The deadline to submit your Self Assessment tax return differs depending on whether you’re doing so online or via post."}],"markDefs":[],"style":"normal"},{"_key":"efccd0a99d23","_type":"block","children":[{"_key":"dea0adb9e00a","_type":"span","marks":[],"text":""},{"_key":"69fbd3666317","_type":"mainAnchor","pageAnchor":{"_ref":"07180f50-2aae-4e2b-a425-ac0e839749bf","_type":"reference"}},{"_key":"41837fdd9fce0","_type":"span","marks":[],"text":"If you’re filing your Self Assessment tax return online"}],"markDefs":[],"style":"h3"},{"_key":"2bc8a5cf013f","_type":"block","children":[{"_key":"3122cf280b390","_type":"span","marks":[],"text":"If you’re submitting your Self Assessment tax return online, you must do so by no later than "},{"_key":"1a17ba981385","_type":"span","marks":["strong"],"text":"midnight on 31 January"},{"_key":"14a00d2bfb29","_type":"span","marks":[],"text":". However, this is also the date that the payment itself is due - and of course, it is quite a job to work it all out - so it’s a good idea to submit it at least a few weeks before this."}],"markDefs":[],"style":"normal"},{"_key":"fc28149798dc","_type":"block","children":[{"_key":"f758c5c19c060","_type":"span","marks":[],"text":"It’s also worth noting that there are certain circumstances where you cannot file online, including:"}],"markDefs":[],"style":"normal"},{"_key":"f987b45189d4","_type":"block","children":[{"_key":"caf2b89668030","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"86151827b6a0","_type":"textboxWidget","text":[{"_key":"f987b45189d4","_type":"block","children":[{"_key":"caf2b89668030","_type":"span","marks":[],"text":"For a partnership"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"0d508aacc6c1","_type":"block","children":[{"_key":"caa9c35f48c80","_type":"span","marks":[],"text":"For a trust or an estate"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"445b4f0589ad","_type":"block","children":[{"_key":"b112ae00f8760","_type":"span","marks":[],"text":"If you lived abroad as a non-resident"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d574af493316","_type":"block","children":[{"_key":"fb0818e98d6e0","_type":"span","marks":[],"text":"To report multiple ‘chargeable gains’, for example from life insurance"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ef47907b79eb","_type":"block","children":[{"_key":"cb367a0ebce80","_type":"span","marks":[],"text":"If you get income from a trust, you’re a Lloyd’s underwriter or a religious minister"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"8abb6b567360","_type":"block","children":[{"_key":"334e3a630757","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a7471283c8d3","_type":"block","children":[{"_key":"840c693ce26c","_type":"span","marks":[],"text":""},{"_key":"cfd1f9b962e1","_type":"mainAnchor","pageAnchor":{"_ref":"1c7043ca-cc44-4d7c-a10f-1b4d8ad7e565","_type":"reference"}},{"_key":"6583299202550","_type":"span","marks":[],"text":"If you’re sending your Self Assessment tax return by post"}],"markDefs":[],"style":"h3"},{"_key":"da4916ce6c21","_type":"block","children":[{"_key":"ecd72d57b29e0","_type":"span","marks":[],"text":"If you’re submitting via post, your Self Assessment tax return must be received by HMRC no later than "},{"_key":"2f3e9b774fd7","_type":"span","marks":["strong"],"text":"midnight on 31 October"},{"_key":"6fa19cf64cac","_type":"span","marks":[],"text":" (well before the January deadline for online submissions). 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Lend your money to a government or company, and you'll get regular interest payments plus your capital back at the end. Here's how bonds work, which types suit which investors, and where you can buy them on a UK platform in 2026."}],"markDefs":[],"style":"normal"},{"_key":"a0331d072765","_type":"mainVideo","url":"https://vimeo.com/1210167755?share=copy&fl=sv&fe=ci"},{"_key":"c58d36a4c147","_type":"block","children":[{"_key":"49b3a7eeedca","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f8b9f67e9cdb","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Bonds are loans to a government or company  They pay out regular interest payments  You get your initial investment back at the end of the loan term  You can buy and sell bonds on the stock market  They’re typically considered a lower risk type of investment"},"text":[{"_key":"e9d2f609e332","_type":"block","children":[{"_key":"55402732d608","_type":"span","marks":[],"text":"🥜In a nutshell"}],"markDefs":[],"style":"h4"},{"_key":"90b8406cd23c","_type":"block","children":[{"_key":"16b4bc5e4266","_type":"span","marks":[],"text":"Bonds are basically loans we make to a government or company"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1c788804cc9b","_type":"block","children":[{"_key":"7a4e2cb2d62a","_type":"span","marks":[],"text":"They pay out regular interest payments"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f98194689135","_type":"block","children":[{"_key":"2814afda9c86","_type":"span","marks":[],"text":"The value of the bond goes up and down"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ed5682aad208","_type":"block","children":[{"_key":"2946d7612fad","_type":"span","marks":[],"text":"UK government bonds are called ‘gilts’ and are largely tax-free for most investors"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7d58ed5946ec","_type":"block","children":[{"_key":"3fad1ba424fe","_type":"span","marks":[],"text":"You can buy and sell bonds on the stock market"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c7ce935aad7e","_type":"block","children":[{"_key":"f3d3225a459b","_type":"span","marks":[],"text":"They’re typically considered a lower-risk type of investment than shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"a5898c1fbd34","_type":"block","children":[{"_key":"e6ab8ba99ac0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"96ac0f65ce2a","_type":"block","children":[{"_key":"53400c3f58bc","_type":"span","marks":[],"text":""},{"_key":"37864ea28904","_type":"mainAnchor","pageAnchor":{"_ref":"dfe27455-bfae-4948-b858-040213000740","_type":"reference"}},{"_key":"3ffe180b5c08","_type":"span","marks":[],"text":"What is a bond?"}],"markDefs":[],"style":"h2"},{"_key":"bd662a56936b","_type":"block","children":[{"_key":"3edd8d78acdf","_type":"span","marks":["strong"],"text":"A bond is essentially an "},{"_key":"1435efd6a2c2","_type":"span","marks":["strong","9d2e692ea03c"],"text":"IOU"},{"_key":"37e305aecb2b","_type":"span","marks":["strong"],"text":". You lend money to a government or company for a set period, and in return they pay you regular interest (called a coupon) plus your original amount back when the bond matures. It's a way to earn a predictable income without the ups and downs of the stock market."}],"markDefs":[{"_key":"9d2e692ea03c","_type":"glossaryPick","reference":{"_ref":"d4ff67ec-a996-4f2b-b24e-cf8dfda57f3e","_type":"reference"}}],"style":"normal"},{"_key":"dcfde07f8f11","_type":"block","children":[{"_key":"e6ab8ba99ac0","_type":"span","marks":[],"text":"Put simply, bonds are a form of loan issued by a business or a government. When you buy a bond (or a piece of the bond), you’re lending your money to this “issuer”. In exchange, the issuer promises to pay the bondholder (that’s you) a fixed interest payment at regular intervals until the loan matures (when you will get back a known amount which is the ‘face value’)."}],"markDefs":[],"style":"normal"},{"_key":"46e4551e07ca","_type":"block","children":[{"_key":"8e9517773203","_type":"span","marks":[],"text":"Think of bonds like an investment which pays a regular ‘"},{"_key":"958c94e96c80","_type":"span","marks":["1b6a360ceeae"],"text":"interest rate"},{"_key":"ab75816e7077","_type":"span","marks":[],"text":"’ for as long as you hold it, as well as giving you the chance to make a profit on the money you invest. Unlike stocks, which can fluctuate in value rapidly, bonds will typically offer a relatively ‘predictable’ income stream, making them a good option for more risk-averse investors seeking stability."}],"markDefs":[{"_key":"1b6a360ceeae","_type":"glossaryPick","reference":{"_ref":"7a12b162-9c66-48e7-90c1-293196d523bb","_type":"reference"}}],"style":"normal"},{"_key":"84de67b46e34","_type":"block","children":[{"_key":"3a75273af740","_type":"span","marks":[],"text":"The volatility of a bond price depends on who you are loaning the money to. If it’s the UK government, it’s typically a sedate and predictable journey. If it’s a mining company in Latin America, you should prepare for a much more volatile journey."}],"markDefs":[],"style":"normal"},{"_key":"41c6b2f45440","_type":"block","children":[{"_key":"b05c24e742b6","_type":"span","marks":[],"text":"This is why government bonds typically make up a large proportion of "},{"_key":"ea2988dbef8f","_type":"span","marks":["3e2029c9e95c"],"text":"pension "},{"_key":"f80b0f1d5a22","_type":"span","marks":[],"text":"funds, particularly for those who are closer to retirement age and thus need their pension to be invested in lower-risk products."}],"markDefs":[{"_key":"3e2029c9e95c","_type":"internalLinkPick","blank":true,"reference":{"_ref":"261e00e8-bd4f-457d-a27c-1e64c098b1bb","_type":"reference"}}],"style":"normal"},{"_key":"d6614f8bba0b","_type":"block","children":[{"_key":"872c6cbfe99d","_type":"span","marks":[],"text":""},{"_key":"003b1400dbd3","_type":"mainAnchor","pageAnchor":{"_ref":"7143fd03-16f0-4229-a431-82283be9b288","_type":"reference"}},{"_key":"f1224b170f560","_type":"span","marks":[],"text":"How do bonds work?"}],"markDefs":[],"style":"h2"},{"_key":"1f6075328eb2","_type":"block","children":[{"_key":"d5e18a3765ce","_type":"span","marks":["strong"],"text":"Every bond fixes a maturity date, coupon and denomination upfront. The coupon's real value, the yield, depends on the issuer's creditworthiness and moves inversely to price, sometimes creating a tax-free gain. Bonds then trade like shares, via platforms, funds or trusts, across types like gilts and Treasuries."}],"markDefs":[],"style":"normal"},{"_key":"2f3e330d3372","_type":"block","children":[{"_key":"96bcdb4d8383","_type":"span","marks":[],"text":""},{"_key":"acb2391f7114","_type":"mainAnchor","pageAnchor":{"_ref":"ae0ce2cd-ee6c-4b2d-9caf-6ecaa338dfb6","_type":"reference"}},{"_key":"40091b6993f40","_type":"span","marks":[],"text":"Who issues a bond?"}],"markDefs":[],"style":"h3"},{"_key":"565d809b383b","_type":"block","children":[{"_key":"db75d5da7276","_type":"span","marks":[],"text":"When a government or a business decides it needs to raise money, one of the avenues it might take is to issue a bond. The bond specifies the “maturity” date (when the loan is repaid), the “coupon” ("},{"_key":"cbcc5d4c4f6b","_type":"span","marks":["e8099295cbf8"],"text":"interest rate"},{"_key":"2259a55d0423","_type":"span","marks":[],"text":") paid periodically, and the “denomination” (face value) of the bond."}],"markDefs":[{"_key":"e8099295cbf8","_type":"glossaryPick","reference":{"_ref":"7a12b162-9c66-48e7-90c1-293196d523bb","_type":"reference"}}],"style":"normal"},{"_key":"38457353d605","_type":"block","children":[{"_key":"5c46a1e31e90","_type":"span","marks":[],"text":""},{"_key":"5b0c3697fae8","_type":"mainAnchor","pageAnchor":{"_ref":"a7cac4b7-a55c-4d8c-b076-8219b497fffe","_type":"reference"}},{"_key":"f002b0d984350","_type":"span","marks":[],"text":"How do bonds pay interest?"}],"markDefs":[],"style":"h3"},{"_key":"7d966bfb9662","_type":"block","children":[{"_key":"37dae7ca5e6c","_type":"span","marks":[],"text":"The exact monetary value of the coupon you receive from a bond is called the “"},{"_key":"ea51ec8a6164","_type":"span","marks":["d12e7fe927d7"],"text":"yield"},{"_key":"8998d4af5b3f","_type":"span","marks":[],"text":"” and typically correlates to how risky the loan is determined to be."}],"markDefs":[{"_key":"d12e7fe927d7","_type":"glossaryPick","reference":{"_ref":"438a50f5-1ecf-44e8-b0c2-44f65ee10ec9","_type":"reference"}}],"style":"normal"},{"_key":"91d66d962184","_type":"block","children":[{"_key":"1df18ea7fc91","_type":"span","marks":[],"text":"Let’s imagine someone wanted to borrow a grand from you. How much would you want in return for making that loan? It depends how reliable or trustworthy they are. How risky it is, as well as how long they want to borrow it for. In other words, how “creditworthy” they seem to you."}],"markDefs":[],"style":"normal"},{"_key":"5388a9ac1b0e","_type":"block","children":[{"_key":"cf5870d6f45b","_type":"span","marks":[],"text":"The same principles apply in the world of bonds. If we lend money to the UK government, for example, you might have more faith that they will keep up with their interest payments and repay you in full than if you lent money to a copper producer in the Democratic Republic of Congo. So a UK government bond would typically pay lower interest than the “riskier” copper producer one, for example."}],"markDefs":[],"style":"normal"},{"_key":"71d4560d2d56","_type":"block","children":[{"_key":"457db07707e3","_type":"span","marks":[],"text":"This is why government bonds (often called “gilts” if they're issued by the UK government or \"Treasuries\" if they're issued by the US government) usually pay less (or have a lower yield) than various corporate bonds – in return for giving you a less hernia-inducing path."}],"markDefs":[],"style":"normal"},{"_key":"f619482b3fbf","_type":"block","children":[{"_key":"4a4abac90009","_type":"span","marks":[],"text":"Bond yields move inversely to bond prices. That is, the lower the yield (or ‘interest’ paid) , the higher the price of the bond is. Let’s walk through an actual example to explain how this all works."}],"markDefs":[],"style":"normal"},{"_key":"20b16b0c1152","_type":"block","children":[{"_key":"9f79cc0082e3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a28d95e21455","_type":"textboxWidget","text":[{"_key":"8599fdf492a4","_type":"block","children":[{"_key":"4da4917d5205","_type":"span","marks":[],"text":"Let's assume a bond issued by the UK government (so, a ‘gilt’). Let's also assume it would cost 97.26p to buy. The bond is called Treasury 0.125% 30/01/2026. This means it pays investors an ‘interest rate’, or ‘coupon’, of 0.125%. "}],"markDefs":[],"style":"normal"},{"_key":"f54c13e08686","_type":"block","children":[{"_key":"a9bc4738b626","_type":"span","marks":[],"text":"However, people will mostly buy this for the increase in value, rather than the interest paid."}],"markDefs":[],"style":"normal"},{"_key":"63059e105655","_type":"block","children":[{"_key":"31a5a3e313f7","_type":"span","marks":[],"text":"We know that it will mature on the 30th January in 2026. For its ‘face value’ of 100p. Or £1. So we know for certain that we can spend 97.26p today and get back £1 at the end of January 2026. "}],"markDefs":[],"style":"normal"},{"_key":"952bca830e4b","_type":"block","children":[{"_key":"66fc8064d680","_type":"span","marks":[],"text":"In other words, you will make 2.74p for every 97.26p you invest, over the period in question. And because this gain is a capital gain and not interest, and because it is held in a government bond, that gain is tax-free. "}],"markDefs":[],"style":"normal"},{"_key":"5f3464315ceb","_type":"block","children":[{"_key":"eeab95d5b301","_type":"span","marks":[],"text":"This largely explains the growth in popularity of these bonds – as the tax take in the UK increases, and tax paid on interest goes up, they are a great way for higher rate taxpayers to get a relatively secure return, which is tax-free. "}],"markDefs":[],"style":"normal"},{"_key":"143bb8ec0e80","_type":"block","children":[{"_key":"0eeece876375","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Example:"},{"_key":"52ccd9cc7373","_type":"block","children":[{"_key":"00eb7eca2b96","_type":"span","marks":[],"text":""},{"_key":"72ac8f8e1ca2","_type":"mainAnchor","pageAnchor":{"_ref":"16faf849-274d-403a-b511-cf225e816d79","_type":"reference"}},{"_key":"187af134969b0","_type":"span","marks":[],"text":"How are bonds traded?"}],"markDefs":[],"style":"h3"},{"_key":"cfe82fd2d556","_type":"block","children":[{"_key":"83e5c781999e","_type":"span","marks":[],"text":"Initially, bonds will be offered to institutional investors (like banks or pension funds). When this process is complete, bonds can also be traded on the “secondary market”, where investors trade between themselves on the stock market like you can with ordinary shares. There will be a quoted price that will change throughout the day."}],"markDefs":[],"style":"normal"},{"_key":"c5da9e7fce93","_type":"block","children":[{"_key":"005c4140c0cb","_type":"span","marks":[],"text":"Investors can invest in bonds either directly or via other products which have bonds "},{"_key":"c8eefb4086c3","_type":"span","marks":["em"],"text":"in"},{"_key":"e938ff652d90","_type":"span","marks":[],"text":" them - such as multi-asset "},{"_key":"7e44d8d4eba1","_type":"span","marks":["fc7a25720353"],"text":"funds"},{"_key":"4c7c11c26b2d","_type":"span","marks":[],"text":", "},{"_key":"1bd18a481129","_type":"span","marks":["a00ce8f500dc"],"text":"ETFs"},{"_key":"46bcdb172323","_type":"span","marks":[],"text":" or"},{"_key":"922e97485ae8","_type":"span","marks":["aeb36fcf4623"],"text":" investment trusts"},{"_key":"0369c7eaf692","_type":"span","marks":[],"text":".  Bonds can play an important role in creating a diversified investment portfolio, which essentially means you invest in lots of different things in different proportion (not putting all your eggs in one basket is another way of looking at it!)."}],"markDefs":[{"_key":"fc7a25720353","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}},{"_key":"a00ce8f500dc","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}},{"_key":"aeb36fcf4623","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}}],"style":"normal"},{"_key":"8d973bcf2a1e","_type":"block","children":[{"_key":"2ec1aede89ab","_type":"span","marks":[],"text":"Many leading investment platforms such as "},{"_key":"eee0df919504","_type":"span","marks":["359cabde0d3c"],"text":"Hargreaves Lansdown"},{"_key":"809b677f8b82","_type":"span","marks":[],"text":", "},{"_key":"409e9d18bd45","_type":"span","marks":["457c15a8eac2"],"text":"AJ Bell "},{"_key":"a8416a475e6a","_type":"span","marks":[],"text":"and "},{"_key":"7fcdea77d655","_type":"span","marks":["abe234734263"],"text":"interactive investor"},{"_key":"1f5b49f77d32","_type":"span","marks":[],"text":" now let retail customers buy bonds just like you would with shares."}],"markDefs":[{"_key":"359cabde0d3c","_type":"internalLinkPick","reference":{"_ref":"7ca22c2a-5a22-4997-9cfb-3c0c6ad85a27","_type":"reference"}},{"_key":"457c15a8eac2","_type":"internalLinkPick","reference":{"_ref":"1dbcb796-5201-4542-a5fd-e9d2d02257e5","_type":"reference"}},{"_key":"abe234734263","_type":"internalLinkPick","reference":{"_ref":"22d041fa-4595-43c0-9055-7853b8b849f0","_type":"reference"}}],"style":"normal"},{"_key":"b42b778e35aa","_type":"block","children":[{"_key":"368f17d472ac","_type":"span","marks":[],"text":""},{"_key":"47b1a1da4f33","_type":"mainAnchor","pageAnchor":{"_ref":"3932d4f6-6124-4715-99d1-7bc659807fc4","_type":"reference"}},{"_key":"d404685b4df80","_type":"span","marks":[],"text":"What types of bonds can I invest in?"}],"markDefs":[],"style":"h3"},{"_key":"754b01a0bb86","_type":"textboxWidget","text":[{"_key":"2c41dceddeab","_type":"block","children":[{"_key":"dfdfd3a8c947","_type":"span","marks":["strong"],"text":"Corporate bonds"},{"_key":"fb4873397cad","_type":"span","marks":[],"text":" – bonds issued by companies. The yield on corporate bonds can depend on how creditworthy the issuer is deemed to be."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1ae2c651010c","_type":"block","children":[{"_key":"b2cf653912e6","_type":"span","marks":["strong"],"text":"Junk bonds"},{"_key":"de963fb49c1a","_type":"span","marks":[],"text":" – bonds considered to be associated with a high level of risk."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"13980bdcc8e2","_type":"block","children":[{"_key":"eccb54653b7f","_type":"span","marks":["strong"],"text":"Municipal bonds"},{"_key":"fc0a803854f4","_type":"span","marks":[],"text":" – bonds issued by local governments, municipalities or states."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"99265f630422","_type":"block","children":[{"_key":"d35e39620486","_type":"span","marks":["strong"],"text":"Sovereign bonds"},{"_key":"5a9922c471ff","_type":"span","marks":[],"text":" – bonds issued by national governments. These can include gilts and treasuries."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"470565ca8ddf","_type":"block","children":[{"_key":"438715b5ca47","_type":"span","marks":["strong"],"text":"Gilts"},{"_key":"8964468bdd47","_type":"span","marks":[],"text":" – bonds issued by the UK government."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"80fda3477c0c","_type":"block","children":[{"_key":"49fed3a1aeeb","_type":"span","marks":["strong"],"text":"Treasuries"},{"_key":"ffbf2c8c0489","_type":"span","marks":[],"text":" – bonds issued by the US government."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"266e915029c0","_type":"block","children":[{"_key":"e3fcc300e9ad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a2537989de30","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Key bond terms to know:"},"text":[{"_key":"fdbdc1410e5c","_type":"block","children":[{"_key":"6f839624c465","_type":"span","marks":[],"text":"Key bond terms to know:"}],"markDefs":[],"style":"h4"},{"_key":"a2bb7aa8a4f4","_type":"block","children":[{"_key":"850c1ad2d9a0","_type":"span","marks":[],"text":"Coupon – the fixed interest rate that the bond issuer pays the lender. This is pre-agreed and does not change."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"6326a477fc02","_type":"block","children":[{"_key":"d385ee6adb2e","_type":"span","marks":[],"text":"Creditworthiness – how reliable the bond issuer is deemed to be, based on many factors such as financial security, size, and geographic location."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8e2c27f9133e","_type":"block","children":[{"_key":"de8b059c68c1","_type":"span","marks":[],"text":"Denomination – the total face value of the bond at the point of maturity (when it’s repaid)."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"04ce92ab0c77","_type":"block","children":[{"_key":"f95ddc6b78c8","_type":"span","marks":[],"text":"Maturity – the pre-agreed date at which the bond is repaid in full. This can range from less than 1 year (short-term) to over 30 years (long-term). Longer maturities typically have higher interest rates."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c0e878ef56e9","_type":"block","children":[{"_key":"0bb0b9c0c932","_type":"span","marks":[],"text":"Yield – the actual return an investor earns from a bond. This is not fixed and can fluctuate depending on a number of factors that impact the bond's price, including the issuer's perceived creditworthiness."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"db8106f28c5c","_type":"block","children":[{"_key":"8a6812021cd6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2b1db4c3031a","_type":"block","children":[{"_key":"4127dc303820","_type":"span","marks":[],"text":""},{"_key":"f856fa8d6746","_type":"mainAnchor","pageAnchor":{"_ref":"95fb0892-0bc4-4895-9015-698cfbafa2f9","_type":"reference"}},{"_key":"b58f70fa29190","_type":"span","marks":[],"text":"Are bonds right for me?"}],"markDefs":[],"style":"h2"},{"_key":"755ca04acb42","_type":"prosConsWidget","cons":["You’re seeking higher returns","Your priority is maximum capital growth rather than income"],"consTitle":"Bad if you","pros":["You have a lower risk tolerance ","You’re comfortable with lower potential returns in exchange","You want more predictable investments","You’re a higher rate taxpayer wanting tax efficient ‘cash-like’ assets "],"prosTitle":"Good if you"},{"_key":"40564fbd3726","_type":"block","children":[{"_key":"0563627909a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6dc4662a2a41","_type":"block","children":[{"_key":"a4ab65705dbd","_type":"span","marks":[],"text":""},{"_key":"41e835c08ab8","_type":"mainAnchor","pageAnchor":{"_ref":"e9689fd9-e232-45a8-b6cb-14ab8cb11a89","_type":"reference"}},{"_key":"c8ff999015ce0","_type":"span","marks":[],"text":"What makes bond prices go up or down?"}],"markDefs":[],"style":"h2"},{"_key":"76f6c3331d51","_type":"block","children":[{"_key":"db0a0bcab5ef0","_type":"span","marks":[],"text":"Historically, bonds have generally offered lower returns than shares but tend to come with less volatility. However, there are various external factors you should be aware of that can influence a bond’s performance, such as:"}],"markDefs":[],"style":"normal"},{"_key":"8f31197b0009","_type":"textboxWidget","text":[{"_key":"e02e737fe442","_type":"block","children":[{"_key":"c9a09cb5141a","_type":"span","marks":["strong"],"text":"Interest rates: "},{"_key":"77dfe0cb24b8","_type":"span","marks":[],"text":"Generally, bonds become less attractive when base interest rates (e.g. the Bank of England’s base rate) rise - and vice versa. This is because people can get similar returns without a longer-term commitment, like with an easy-access savings account."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4f209b5bc39d","_type":"block","children":[{"_key":"0c2c8d755598","_type":"span","marks":["strong"],"text":"Creditworthiness of the issuer: "},{"_key":"10768c5377c2","_type":"span","marks":[],"text":"As we mentioned earlier, government bonds or “gilts” are generally considered safer than corporate bonds. However, this safety usually comes in the form of a lower interest rate payment. "}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"dac19d76fcbe","_type":"block","children":[{"_key":"64496e4f1970","_type":"span","marks":["strong"],"text":"Market conditions: "},{"_key":"0a660958404c","_type":"span","marks":[],"text":"Market conditions, sentiment and economic factors can also impact bond prices in the same way they impact share prices."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"7e5d90e1d232","_type":"block","children":[{"_key":"915b3da40ca4","_type":"span","marks":[],"text":""},{"_key":"504d82eb803a","_type":"mainAnchor","pageAnchor":{"_ref":"433053e5-5bc2-4d66-aefe-1786ed0cb86f","_type":"reference"}},{"_key":"c93ea14cfe01","_type":"span","marks":[],"text":"Can bonds lose value?"}],"markDefs":[],"style":"h2"},{"_key":"c41264639a57","_type":"block","children":[{"_key":"c2e6314d3cac","_type":"span","marks":["strong"],"text":"Yes, bonds can lose value. They're usually lower-risk than shares, but not risk-free. In September 2022, worries over UK government spending pushed gilt yields up and prices down, shrinking the bond market. Well-diversified investors felt little impact; those heavily weighted in bonds, like some pension funds, saw a bigger dip. The market has since recovered."}],"markDefs":[],"style":"normal"},{"_key":"9a35e2149d58","_type":"block","children":[{"_key":"c3859c53f02f","_type":"span","marks":[],"text":"Unfortunately, predicting the future performance of any investment with certainty is virtually impossible."}],"markDefs":[],"style":"normal"},{"_key":"813dac338e48","_type":"block","children":[{"_key":"6fd7f04be692","_type":"span","marks":[],"text":"Bonds have historically been considered lower-risk investments, but this is not a 100% bulletproof rule. For example, in September 2022 - following ex-Chancellor Kwasi Kwarteng’s infamous “mini Budget” - there were serious concerns about the amount of spending the then-government had proposed and therefore how it would be able to keep up with national debt (including gilts)."}],"markDefs":[],"style":"normal"},{"_key":"a0b2b81f847e","_type":"block","children":[{"_key":"8e6db4cd31e8","_type":"span","marks":[],"text":"These questions around the perceived creditworthiness of the UK government impacted the bond market, pushing yields up as these loans were seen to be riskier than they had been beforehand. As yields went up, the price of UK gilts fell - and this caused the bond market to contract, as lending to the UK government became less attractive to investors (institutional and private)."}],"markDefs":[],"style":"normal"},{"_key":"6c32eb4113db","_type":"block","children":[{"_key":"16474136e415","_type":"span","marks":[],"text":"People who were invested in bonds during this period saw the value of their investments fall. For those with a well-diversified portfolio (invested in lots of different things in different proportions), the impact of this was likely to be muted. However, individuals with a high proportion allocated to bonds – such as pension funds, which typically favour bonds for their low-risk reputation – saw a bigger dip."}],"markDefs":[],"style":"normal"},{"_key":"30fde4a880db","_type":"block","children":[{"_key":"9d7c567cf94e","_type":"span","marks":[],"text":"Since then, the bond market has recovered and it is generally agreed that this was an unusual set of circumstances. Bonds are usually low risk investments and can play an important role in ensuring your investment portfolio is diversified – and not all in shares, for example."}],"markDefs":[],"style":"normal"},{"_key":"4752447969bc","_type":"block","children":[{"_key":"00e43f27a5e5","_type":"span","marks":[],"text":"So you can see that by understanding the factors that can influence bond performance, you can get a better sense of how they work and how best to incorporate them into your investment portfolio."}],"markDefs":[],"style":"normal"},{"_key":"aff983865960","_type":"block","children":[{"_key":"bc760933457c","_type":"span","marks":[],"text":""},{"_key":"c050e8063d49","_type":"mainAnchor","pageAnchor":{"_ref":"8b590d7c-c5cf-48be-aa8b-f64f836f3617","_type":"reference"}},{"_key":"6f62f9ada198","_type":"span","marks":[],"text":"How can I invest in bonds?"}],"markDefs":[],"style":"h2"},{"_key":"e5e162256c15","_type":"block","children":[{"_key":"cf68c449386d","_type":"span","marks":["strong"],"text":"You may already be invested in bonds through a pension or multi-asset fund, so check your existing holdings before buying more. 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This is where shares come in. They let us own a small slice of a company, so if they do well, so do we. And if they flop, we lose money."}],"markDefs":[],"style":"normal"},{"_key":"a0e51805f65c","_type":"block","children":[{"_key":"1d694591f0bd0","_type":"span","marks":[],"text":"Also known as stocks, or equities, shares exist to enable companies to raise money to fund their activity and growth. Individuals or companies buy shares, and give that company some money in return for ownership of a small piece of that business."}],"markDefs":[],"style":"normal"},{"_key":"059b41aceadf","_type":"block","children":[{"_key":"e2ce0bb15dbb0","_type":"span","marks":[],"text":"The thought process behind buying a share is no more complicated than what you see on Dragon's Den. You're the dragon trying to work out if you should invest in the company or not. But buying a single share can actually be a risky way to access the stock market. Why? Well, you're putting all your eggs in one basket."}],"markDefs":[],"style":"normal"},{"_key":"406e204d28d3","_type":"block","children":[{"_key":"8fe730591b110","_type":"span","marks":[],"text":"We spoke to a lady who was horrified that she bought M&S shares and they went down. \"I mean, it was M&S! They're really busy!\" Just because it's a big brand which looks safe and solid, doesn't necessarily mean they're making decent profits that year or tracking to plan. "}],"markDefs":[],"style":"normal"},{"_key":"a8166423face","_type":"block","children":[{"_key":"fb63eec8d60f","_type":"span","marks":[],"text":""},{"_key":"47a7d68d0f5b","_type":"mainAnchor","pageAnchor":{"_id":"418e4e74-c858-4625-9d7a-8c06f7c6e4ad","_type":"anchorCategory","_rev":"DmK61VtPyEhMsfOjcsZCmQ","_createdAt":"2022-02-14T11:48:21Z","_updatedAt":"2022-02-14T11:48:21Z","AnchorName":"shares/aresharesrightforme?","id":"-b1a3facd-0d3e-5ce8-9d0f-f9a0426f9767","children":[],"parent":null}},{"_key":"758bdfebe7ed","_type":"span","marks":[],"text":"Are shares right for me?"}],"markDefs":[],"style":"h2"},{"_key":"0deb8561d20a","_type":"block","children":[{"_key":"c181c818cb3f","_type":"span","marks":[],"text":"15% of UK adults own shares [1], but they're not the right sort of investment for everyone - especially if you're low on time or looking for an easy way to put your money behind several companies. Here's an overview of some of the main pros and cons of shares."}],"markDefs":[],"style":"normal"},{"_key":"db9f89042c3f","_type":"prosConsWidget","cons":["Want a global mix of investments ","Are time poor ","Will only choose 2 or 3!"],"consTitle":"Bad if you ","pros":["Actively follow the markets","Want to be in charge","Have time to dedicate to this "],"prosTitle":"Good if you "},{"_key":"c3a7ffeffbb7","_type":"block","children":[{"_key":"271a51c12db2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5b2ffecea1c4","_type":"block","children":[{"_key":"05c92c04fca2","_type":"span","marks":[],"text":""},{"_key":"4bc185b25eec","_type":"mainAnchor","pageAnchor":{"_id":"126f92a2-61db-45bc-9444-4172007cc99b","_type":"anchorCategory","_rev":"9Iwq1IBZWCIlcexDDoWXnr","_createdAt":"2024-04-15T15:09:51Z","_updatedAt":"2024-04-15T15:09:51Z","AnchorName":"cashvsshares","id":"-113f1936-9ad6-56d0-b149-7bdcbad33613","children":[],"parent":null}},{"_key":"41d53cf47ed5","_type":"span","marks":[],"text":"Cash vs shares"}],"markDefs":[],"style":"h2"},{"_key":"bd1126eb98eb","_type":"block","children":[{"_key":"0612752e8969","_type":"span","marks":["strong"],"text":"If you had put £10,000 away in 2015, what would it be worth by the end of September 2025?"}],"markDefs":[]},{"_key":"a5368c85fe2c","_type":"block","children":[{"_key":"da32cdb4e3ce","_type":"span","marks":[],"text":"The graph below shows you a recent example of how cash has performed compared to stock market shares. For the purposes of this illustration, we've looked at the growth of a single £10,000 lump sum investment in cash and in two stock market indices: the "},{"_key":"c79b9014dcc5","_type":"span","marks":["4b175e3b60cd"],"text":"FTSE 100"},{"_key":"31e14e27f0b1","_type":"span","marks":[],"text":" and "},{"_key":"fa15bb1b35a8","_type":"span","marks":["ccbe1340ca9f"],"text":"MSCI World"},{"_key":"5e096fa1dd9d","_type":"span","marks":[],"text":" (you can read more about these below the image)."}],"markDefs":[{"_key":"4b175e3b60cd","_type":"glossaryPick","reference":{"_id":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"glossaryHover","_rev":"lTp2d2CYb7e7Sxre7E5WU3","_createdAt":"2025-04-30T13:42:54Z","_updatedAt":"2025-04-30T13:43:13Z","description":"Also called “Footsie”, the name for the share index made up of the largest 100 companies by market capitalisation (total value of all shares) listed on the London Stock Exchange.","title":"FTSE 100","id":"-a54941b3-75e6-5613-bd46-3ed80c5c54e9","children":[],"parent":null}},{"_key":"ccbe1340ca9f","_type":"glossaryPick","reference":{"_id":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"glossaryHover","_rev":"cgOXYc5fbaZoufJX9Z3fRz","_createdAt":"2025-05-01T14:42:09Z","_updatedAt":"2025-05-01T14:45:19Z","description":"A global index that tracks large and medium-sized companies from 23 developed countries around the world.","title":"MSCI World","id":"-3f82d13b-ff3c-5e83-961e-ef18e3f0a260","children":[],"parent":null}}],"style":"normal"},{"_key":"a8cf71d02792","_type":"block","children":[{"_key":"d84597919bbd","_type":"span","marks":[],"text":"It's clear to see that leaving your money in cash (pink) led to significantly less growth over the period between 2015-2025 than if you had invested in stock markets. And although the British FTSE 100 Index (blue) didn't perform quite as well as MSCI World (green), it still climbed to £2,182 - compared to gains of just £1,180 from cash over the same time period. Of course, these numbers look measly compared to MSCI World's impressive £3,348 gain."}],"markDefs":[],"style":"normal"},{"_key":"eacbefb8908a","_type":"block","children":[{"_key":"7186a99d615e","_type":"span","marks":[],"text":"NB: The dip you can see after Q4 2019 reflects the start of the COVID-19 pandemic and subsequent global lockdowns."}],"markDefs":[],"style":"normal"},{"_key":"b33adb272cf6","_type":"frameWidget","href":"https://www.canva.com/design/DAG7OFE42_c/V25AjrWXM8szDDn7pZL9bg/view?embed"},{"_key":"9898bcddeff8","_type":"block","children":[{"_key":"2f05e2427ec8","_type":"span","marks":["em"],"text":"Source: FE FundInfo. "}],"markDefs":[],"style":"small"},{"_key":"906d1a3db60a","_type":"block","children":[{"_key":"b29deef19a8e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d745e25d9983","_type":"block","children":[{"_key":"d611edb2ae67","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"adb9f4083d5c","_type":"block","children":[{"_key":"22374dbfb4fe","_type":"span","marks":[],"text":""},{"_key":"c07bbbc35194","_type":"mainAnchor","pageAnchor":{"_id":"223c3cb3-164a-4144-b7ec-60a049133752","_type":"anchorCategory","_rev":"kUfSQGlso2185X04I8v0wU","_createdAt":"2024-04-15T15:08:58Z","_updatedAt":"2024-04-15T15:08:58Z","AnchorName":"willsharesoutperformcash","id":"-66c6d3e7-b5f6-571c-98c3-cb4fe4441eb0","children":[],"parent":null}},{"_key":"91a17272db40","_type":"span","marks":[],"text":"Will shares outperform cash in the next 10 years?"}],"markDefs":[],"style":"h2"},{"_key":"15bd2c48638c","_type":"block","children":[{"_key":"d367b10febfa","_type":"span","marks":[],"text":"Just like the weather, it's impossible to predict what the future holds. All we can do is show what has happened in the past. Shares are a bumpier ride than cash – and not a short-term thing. Anyone who says they can guarantee you'll make money is probably lying. There are risks. But research tells us that shares have done better than cash 9 times out of 10 over any 10 year period since the stock markets began."}],"markDefs":[],"style":"normal"},{"_key":"e51d6e72bf95","_type":"block","children":[{"_key":"9b843e253e7f0","_type":"span","marks":[],"text":"You buy and sell them on the stock market and, just like eBay, people make bids and offers. But it all happens super fast. Prices bounce up and down and at the end of the day it all comes down to sentiment – if loads of people want a slice of the action and these things are flavour of the month (think Nintendo after Pokemon Go), then prices rise as the sellers get a bit cockier. 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This spreads the risk around and hedges your bets, so rather than having to go and buy 30-60 individual shares all by yourself, you can just buy one fund and be done with it!"}],"markDefs":[],"style":"normal"},{"_key":"e8ce2e0fe91f","_type":"block","children":[{"_key":"942f0caaddf8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f9d2b7cefb40","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Most investors have between about 8 and 16 different Funds to get a good mix and spread their bets around!"},"text":[{"_key":"4e12795ee2ca","_type":"block","children":[{"_key":"40e2815c5d05","_type":"span","marks":["strong"],"text":"Top tip: Most investors have between about 8 and 16 different funds to get a good mix and spread their bets around!"}],"markDefs":[],"style":"normal"}]},{"_key":"faec06074b53","_type":"block","children":[{"_key":"3f1ea2ce7311","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"29e8456aa90b","_type":"block","children":[{"_key":"12710694212a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"16c468186b94","_type":"block","children":[{"_key":"8aa0e26dff77","_type":"span","marks":[],"text":"You can think of investing in funds like buying a mixed case of wine - you don't have to be a connoisseur and someone else picks the contents they think are good. Funds come in lots of different flavours - such as multi-asset funds or exchange-traded funds. More on these later."}],"markDefs":[],"style":"normal"},{"_key":"90feae1f7eb6","_type":"block","children":[{"_key":"1915aec3fabb","_type":"span","marks":[],"text":""},{"__inline":true,"_key":"5ccd7b870fec","_type":"mainAnchor","children":[{"_key":"ut1xgBnP3A4eT38f4GGbAL","text":""}],"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"},"value":{"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"}}},{"_key":"3fc8bd064d62","_type":"span","marks":[],"text":"Are funds right for me?"}],"markDefs":[],"style":"h2"},{"_key":"f4e25a5df60e","_type":"block","children":[{"_key":"fa0bcaef29cd","_type":"span","marks":[],"text":"On average, investors hold 49% of their investments in funds, making them one of the most popular investment vehicles out there. But are funds really the right option for you? "}],"markDefs":[],"style":"normal"},{"_key":"fed979756bbe","_type":"block","children":[{"_key":"64b6ad599651","_type":"span","marks":[],"text":"If you prefer the freedom and flexibility of choosing which companies to invest in, shares may be a better choice. However, funds can also be highly diversified, which means your investments might be spread across different regions, sectors and assets. This reduces the risk of any one event, such as a political crisis in a single region, having a significant impact on your investments."}],"markDefs":[],"style":"normal"},{"_key":"e1ad6cc3a02a","_type":"block","children":[{"_key":"a8b55972e4dd","_type":"span","marks":[],"text":"So really it comes down to your personal preference. Here's a round-up of some of the main pros and cons to help you decide if investing in funds is the right choice for you."}],"markDefs":[],"style":"normal"},{"_key":"434d193075a7","_type":"block","children":[{"_key":"0e7fe5da01de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4bc700b962a5","_type":"prosConsWidget","cons":["Don't want to pay a fee","Want to pick your own shares","Want to trade regularly"],"consTitle":"Bad if you ","pros":["Want a broad mix of different shares","Want to invest abroad too","Aren't a whizz trader "],"prosTitle":"Good if you"},{"_key":"48067afe70fe","_type":"block","children":[{"_key":"0361b14633a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cec017f1a38c","_type":"block","children":[{"_key":"172137ada71e","_type":"span","marks":[],"text":""},{"_key":"de53e982c4a9","_type":"mainAnchor","pageAnchor":{"_ref":"60941be5-1a4f-426e-b588-7699bee46271","_type":"reference"}},{"_key":"87cf346319c6","_type":"span","marks":[],"text":"Why invest in a fund?"}],"markDefs":[],"style":"h2"},{"_key":"93dc72ad81a4","_type":"block","children":[{"_key":"3338ff4b26c50","_type":"span","marks":[],"text":"A fund is simply the compilation album of the investing world! It’s a nice way to get someone at the sharp end of finance to pick and manage your investments from the bewildering array of bonds and shares on the market. Let’s give a really simple example. "}],"markDefs":[],"style":"normal"},{"_key":"a9403754dc28","_type":"block","children":[{"_key":"01c95b2b86ac","_type":"span","marks":[],"text":"If we ran the Boring Money UK Shares Fund (which we don’t), we might look at all the UK shares out there and say that HSBC, Shell, ITV and GlaxoSmithKline make the grade. And add them to our investment mix. But chuck out Barclays and Burberry and Sainsburys (all random examples by the way, not tips!). "}],"markDefs":[],"style":"normal"},{"_key":"7669a7ac791c","_type":"block","children":[{"_key":"d7e81010a760","_type":"span","marks":[],"text":"We’d end up with, say, 50 shares in our compilation album, which we bought for £1 each in our pretend world. So our fund would be worth £50. And we might sell 50 units to people for £1 each. "}],"markDefs":[],"style":"normal"},{"_key":"786bce77dbb8","_type":"block","children":[{"_key":"da65bc2f373e","_type":"span","marks":[],"text":"The benefit is that for a small investment of just £1, our investors would have a teeny fraction of an investment in 50 different British companies. And we would run and manage this pool of investments for you - so no need to get the calculator out and crunch any numbers!"}],"markDefs":[],"style":"normal"},{"_key":"985ff58d82e6","_type":"block","children":[{"_key":"2ad32b5454aa","_type":"span","marks":[],"text":"There are thousands of funds out there, all with different flavours, and they're among the best ways to get expert help on picking the right investments."}],"markDefs":[],"style":"normal"},{"_key":"362c2e7dfc09","_type":"block","children":[{"_key":"d766349dbf40","_type":"span","marks":[],"text":""},{"_key":"364cd3c1e445","_type":"mainAnchor","pageAnchor":{"_ref":"a5632083-6993-47e2-9bc1-07d0a86ad84c","_type":"reference"}},{"_key":"0a68034d99f40","_type":"span","marks":[],"text":"The three main fund structures "}],"markDefs":[],"style":"h2"},{"_key":"4b7b2b21499a","_type":"block","children":[{"_key":"5d8b72478bbb","_type":"span","marks":[],"text":""},{"_key":"e02338579d1e","_type":"mainAnchor","pageAnchor":{"_ref":"bcd041ed-8ed5-4fc7-8abd-21ee28def30c","_type":"reference"}},{"_key":"6c2a9ecc53f30","_type":"span","marks":[],"text":"1. Mutual fund – also known as an open-ended fund, OEIC or UCITS fund"}],"markDefs":[],"style":"h3"},{"_key":"3460d916f7b2","_type":"block","children":[{"_key":"0325a805ebd40","_type":"span","marks":[],"text":"A mutual fund combines money from multiple investors, which a professional manager invests according to the fund’s goals, such as growth or income, often focusing on specific sectors like European stocks or technology. Being “open-ended,” the fund can adjust its shares based on investor activity, with its value matching the combined value of its holdings. Investors can monitor performance daily through services like Morningstar, comparing it to similar funds or benchmarks like the FTSE All Share for UK funds."}],"markDefs":[],"style":"normal"},{"_key":"9f8832eee9c7","_type":"block","children":[{"_key":"b0249a4aa624","_type":"span","marks":[],"text":""},{"_key":"777c7f3bd35c","_type":"mainAnchor","pageAnchor":{"_ref":"b8467767-7e11-4c31-bea1-aa9f5262781c","_type":"reference"}},{"_key":"6722e89ace4a","_type":"span","marks":[],"text":"2. ETF – or exchange-traded fund"}],"markDefs":[],"style":"h3"},{"_key":"ac1f21c74e0a","_type":"block","children":[{"_key":"189a0849a0f50","_type":"span","marks":[],"text":"ETFs, or Exchange-Traded Funds, are investment funds that provide low-cost, diversified access to various markets, similar to mutual funds. Unlike mutual funds, ETFs trade on stock exchanges, with their prices fluctuating throughout the day based on supply and demand. ETFs often aim to track specific assets, like major stock indices (e.g., S&P 500), commodities, or even currencies. They can be structured using \"physical\" methods (owning a bit of each asset in the index) or \"synthetic\" methods (using derivatives to mimic asset performance). ETFs can also offer leveraged or inverse options to enhance potential gains or bet against an asset's price. They are generally affordable, easy to trade, and flexible for various investment strategies."}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"6add2d498f76","_type":"block","children":[{"_key":"14d23d4bf09a","_type":"span","marks":["strong"],"text":"Discover more about ETFs and how they work"}],"markDefs":[],"style":"normal"}],"_key":"090c0fe4bbd4","_type":"ctaWidget","reference":{"_ref":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"reference"},"text":"ETF HUB"},{"_key":"3734671b2a32","_type":"block","children":[{"_key":"ebc0f19e9b3d0","_type":"span","marks":[],"text":"3. Investment Trusts"}],"markDefs":[],"style":"h3"},{"_key":"47687a68ef20","_type":"block","children":[{"_key":"22745b29c849","_type":"span","marks":[],"text":"Investment trusts are publicly listed companies that pool investors' money to buy shares, bonds, or other assets like property. Managed by a board that oversees the fund manager, they operate as \"closed-ended\" funds, meaning they don’t need to buy or sell assets as investors come and go. This structure suits less liquid investments, and they can also save income from strong years to pay out in weaker ones, offering a steadier return. Investors can buy shares at market prices, sometimes below the actual asset value, and have many options for building a diverse portfolio. Read more on how mutual funds compare to ETFs and Investment Trusts "},{"_key":"3ac6a8b34f46","_type":"span","marks":["bd12d349ce04"],"text":"here"},{"_key":"f569af0635c5","_type":"span","marks":[],"text":". \n"}],"markDefs":[{"_key":"bd12d349ce04","_type":"internalLinkPick","reference":{"_ref":"508b9184-a3ee-4f2c-b9cd-5c61ac88dfaa","_type":"reference"}}],"style":"normal"},{"LeftSideText":[{"_key":"bcb044ecf5ab","_type":"block","children":[{"_key":"ba7542cf4442","_type":"span","marks":["strong"],"text":"Find out all you need to know about Investment Trusts in our hub"}],"markDefs":[],"style":"normal"}],"_key":"c677d8dce5ad","_type":"ctaWidget","reference":{"_ref":"c4a944ee-6d37-4a32-ad78-476434729026","_type":"reference"},"text":"READ MORE"},{"_key":"90c958e3a76f","_type":"block","children":[{"_key":"58ff5f53dc6e","_type":"span","marks":[],"text":""},{"_key":"d942deccb966","_type":"mainAnchor","pageAnchor":{"_ref":"614ab4cf-e295-402a-90a2-ddce00934029","_type":"reference"}},{"_key":"45fae644733a","_type":"span","marks":[],"text":"Bonds vs shares"}],"markDefs":[],"style":"h2"},{"_key":"e90ad037fc44","_type":"block","children":[{"_key":"69fbf9a8af22","_type":"span","marks":[],"text":"When it comes to investing with funds, you'll often see the \"portfolio\" - that is, what the fund is actually invested in - broken down into different assets. The two most common assets are bonds and shares, but what actually are they?"}],"markDefs":[],"style":"normal"},{"_key":"112a4d6cbc9f","_type":"block","children":[{"_key":"c6616cbb00f7","_type":"span","marks":[],"text":"What is a bond?"}],"markDefs":[],"style":"h3"},{"_key":"55297b26fffd","_type":"block","children":[{"_key":"f9ec30e1d7d7","_type":"span","marks":[],"text":"Owning a bond is kind of getting an IOU from a government or a company – you buy their bond and you’re lending them money. The dicier the prospect of getting your cash back, the more ‘interest’ they will pay you to compensate for the risk. So an Ecuadorian mining company bond would pay a gazillion times more than the relatively staid UK government, for example. It’s a riskier loan so they’ll compensate you more for taking this extra risk. "}],"markDefs":[],"style":"normal"},{"_key":"ad246f1d9a03","_type":"block","children":[{"_key":"d33daf52853b","_type":"span","marks":[],"text":"Bonds are influenced by interest rates, so they’re behaving a bit weirdly at the moment. If you lend the UK government money for 10 years, they’ll pay you about 4% (at the time of writing). And inflation is hovering around the 10% mark. So you’ll see why bonds are paying attractive rates at the moment - the UK economy is currently grappling with the risk of high inflation!"}],"markDefs":[],"style":"normal"},{"_key":"66a2cb7a79bb","_type":"block","children":[{"_key":"f67dc90952da","_type":"span","marks":[],"text":"What is a share?"}],"markDefs":[],"style":"h3"},{"_key":"42ec8b2bfea7","_type":"block","children":[{"_key":"d7677c521ef0","_type":"span","marks":[],"text":"Shares are also known as ‘equities’ or ‘stocks’. If you own shares, you buy little pieces of the world’s biggest companies. And tie your fortunes to theirs. It's these shares that make up the majority of most funds. "}],"markDefs":[],"style":"normal"},{"_key":"87391d64e98f","_type":"block","children":[{"_key":"50f803a42246","_type":"span","marks":[],"text":"As a rule of thumb, most ‘equity’ focused funds will have about 40-60 shares in them, although some fund managers have fewer, sticking to their convictions more about which shares are duds and which ones are winners. "}],"markDefs":[],"style":"normal"},{"_key":"230865d11ff5","_type":"block","children":[{"_key":"81251b61e60c","_type":"span","marks":[],"text":"Shares are also one of the few investments where you can get a decent income. Companies often pay out a share of their profits as dividends. The key is to look for an ‘equity income’ fund. Pick the right one and you could get an income of around 3-4% a year!"}],"markDefs":[],"style":"normal"},{"_key":"06e377758cad","_type":"block","children":[{"_key":"d4019195a987","_type":"span","marks":[],"text":"The balance between bonds and shares"}],"markDefs":[],"style":"h3"},{"_key":"46cf69523ea8","_type":"block","children":[{"_key":"d519404d9cb6","_type":"span","marks":[],"text":"Many suggest diversifying, which means a sort-of Combo Meal of bonds "},{"_key":"a61d5d5863e0","_type":"span","marks":["em"],"text":"and "},{"_key":"2e722c7e508b","_type":"span","marks":[],"text":"shares. Over the long-term, bonds are usually seen as safer and less choppy than shares, but many believe they will make you less over the long-run too. On the other hand, the stock market can potentially make you profit over the longer-term, but can come with significant short-term risk."}],"markDefs":[],"style":"normal"},{"_key":"c973c0042a75","_type":"block","children":[{"_key":"c0025ecc2c48","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c1f67febb327","_type":"prosConsWidget","pros":["You're nearing retirement age","You're not keen on stock market risk"],"prosTitle":"BONDS are better for you if"},{"_key":"e27629a359a2","_type":"block","children":[{"_key":"e48f0db1ddad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a30ea1e3729e","_type":"prosConsWidget","pros":["You can tolerate the concept of stock market risk","You've got lots of time before you need to access your cash"],"prosTitle":"SHARES are better for you if"},{"_key":"03b6c39b6bf2","_type":"block","children":[{"_key":"1ee6f1df4158","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ed118f277297","_type":"block","children":[{"_key":"e3ed41cc210b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c4556aebdc3","_type":"block","children":[{"_key":"59b8e9cbba60","_type":"span","marks":[],"text":"As a general rule of thumb, if you’re a spring chicken and investing for ages in the future, you should probably look at "},{"_key":"0f04bd6e7f43","_type":"span","marks":["em"],"text":"mostly "},{"_key":"0a524dc1e267","_type":"span","marks":[],"text":"shares. If you’re getting on and likely to need your money soon, people typically prefer bonds because they’re less likely to crash as dramatically as shares, leaving you high and dry if you need to cash in your investments. "}],"markDefs":[],"style":"normal"},{"_key":"c44bbef6d561","_type":"block","children":[{"_key":"e1b0274abca3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f871776e39d7","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "},"text":[{"_key":"dc826f13da73","_type":"block","children":[{"_key":"92f0eb6df824","_type":"span","marks":["strong"],"text":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "}],"markDefs":[],"style":"normal"}]},{"_key":"f7d5fb36fe0f","_type":"block","children":[{"_key":"db6952c70b24","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19431081595a","_type":"block","children":[{"_key":"6e263f6e0c3f","_type":"span","marks":[],"text":""},{"_key":"394165043e4a","_type":"mainAnchor","pageAnchor":{"_ref":"f0e25e55-88ef-4bd3-96fb-2ea766606d57","_type":"reference"}},{"_key":"d81d41f1e8ee1","_type":"span","marks":[],"text":"Active vs passive"}],"markDefs":[],"style":"h2"},{"_key":"97fd1b6cacb5","_type":"block","children":[{"_key":"b1149c8e019a","_type":"span","marks":[],"text":"Another couple of phrases you'll often see when investing in funds is 'active' and 'passive', but as the world of finance is renowned for being full of jargon, no one ever seems to explain what these are! Here's what they actually mean and why they matter when deciding on the right fund for you."}],"markDefs":[],"style":"normal"},{"_key":"4f4328ace20e","_type":"block","children":[{"_key":"267b07472f39","_type":"span","marks":[],"text":"What is an active fund?"}],"markDefs":[],"style":"h3"},{"_key":"965f3e1b9c85","_type":"block","children":[{"_key":"7e7c85ce1d910","_type":"span","marks":[],"text":"Most funds in the market are what we call ‘active’. An active fund manager, by definition, thinks he or she is smarter than the average investor. A clever clogs. They think they can spot a bargain. Spot the dog before others. Identify the region that is about to go belly-up. So they pick and choose. If you buy an active fund which invests in shares, you'll usually pay a fee to the fund manager of about 75p-95p for every £100 you entrust to them. "}],"markDefs":[],"style":"normal"},{"_key":"dd074314f1cf","_type":"block","children":[{"_key":"e2405d675768","_type":"span","marks":[],"text":"What is a passive fund?"}],"markDefs":[],"style":"h3"},{"_key":"b9d2cd328e0c","_type":"block","children":[{"_key":"9da255300335","_type":"span","marks":[],"text":"Passive funds, on the other hand, are devoid of ego and opinion. They're the well-behaved end of the fund market. No one makes a call on whether Share A is better than Share B. They simply follow what we call an index - or a list of shares or bonds in any given market. They buy them in proportion to their size and no judgement calls are made. If you buy a passive fund which invests in shares, you'll usually pay a fee to the fund manager of about 8-12p for every £100 you entrust to them. It’s a lot cheaper because it’s run by a computer, rather than an expensive human. "}],"markDefs":[],"style":"normal"},{"_key":"365e8264db90","_type":"block","children":[{"_key":"faa5a312feb3","_type":"span","marks":[],"text":"How to decide between active vs passive funds"}],"markDefs":[],"style":"h3"},{"_key":"b8221aa671cb","_type":"block","children":[{"_key":"4799dbdc92b40","_type":"span","marks":[],"text":"There are pros and cons to each approach. Passive funds will tend to be cheaper and have performed well over much of the past decade as a result of strong performance from the technology giants (which form a large share of most capitalisation-weighted indices). However, they can have certain biases – the MSCI World has a 70%+ weighting to the US[2],  for example. Equally, bond indices can have higher weights in companies that have issued the most bonds – i.e. the most indebted. This can increase risk."}],"markDefs":[],"style":"normal"},{"_key":"611ac6f8c648","_type":"block","children":[{"_key":"d022771f72c90","_type":"span","marks":[],"text":"With active funds, there tends to be extremes. Some fund managers will be very successful and deliver better returns than the wider market, while others will find their analysis doesn’t pay off. Investors need to be willing to take a risk on the manager’s skill."}],"markDefs":[],"style":"normal"},{"_key":"c39c65e3ba8a","_type":"block","children":[{"_key":"3c62d7c5ecdd","_type":"span","marks":[],"text":"The jury is out on which is best, but passive funds will inherently return the average of any market. Some active funds will go further and smash it – but others will underperform and charge you for the privilege! So it depends on your risk appetite, among other things. Happy to sit back and copy what the markets do? Passive is for you. Want to leave it to the experts to crunch the numbers and try to outperform? Then try active.\n"}],"markDefs":[],"style":"normal"},{"_key":"ad85bfad7fcf","_type":"block","children":[{"_key":"3d022ec4e243","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"769a3bdcb210","_type":"emailSignupWidget","brazeSubscriptionGroupId":"80bb057b-016f-4c60-8fed-bc2199e56dc7","brazeSubscriptionRef":{"_ref":"75cfa314-bcb6-4835-9c3d-28febc21b8d6","_type":"reference"},"image":{"_type":"mainImage","alt":"Sign up here!"},"paragraphText":"Get the best-performing funds, market commentary and jargon free insight delivered straight to your inbox every month. 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In other words, they're a great way to avoid making a clanger by choosing one duff share! Great for diversifying, investing overseas and for outsourcing the decision-making to a professional. "}],"markDefs":[],"style":"normal"},{"_key":"046672293a3e","_type":"block","children":[{"_key":"e15da747ad50","_type":"span","marks":[],"text":"Listen to our Founder & CEO Holly Mackay explain more about why funds are awesome in the helpful clip below."}],"markDefs":[],"style":"normal"},{"_key":"41b247f7f7f1","_type":"block","children":[{"_key":"1425f286ae8d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ee4659f373e2","_type":"mainVideo","url":"https://vimeo.com/829075140"},{"_key":"612f1e2f4f5c","_type":"block","children":[{"_key":"8b8077238e30","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8fde23f3fe04","_type":"block","children":[{"_key":"509c2688d6bd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3d8fbfc7b050","_type":"block","children":[{"_key":"32a1c0b03ecc","_type":"span","marks":[],"text":"A single fund will typically have about 30-60 different \"underlying investments\" in it. This spreads the risk around and hedges your bets, so rather than having to go and buy 30-60 individual shares all by yourself, you can just buy one fund and be done with it!"}],"markDefs":[],"style":"normal"},{"_key":"e8ce2e0fe91f","_type":"block","children":[{"_key":"942f0caaddf8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f9d2b7cefb40","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Most investors have between about 8 and 16 different Funds to get a good mix and spread their bets around!"},"text":[{"_key":"4e12795ee2ca","_type":"block","children":[{"_key":"40e2815c5d05","_type":"span","marks":["strong"],"text":"Top tip: Most investors have between about 8 and 16 different funds to get a good mix and spread their bets around!"}],"markDefs":[],"style":"normal"}]},{"_key":"faec06074b53","_type":"block","children":[{"_key":"3f1ea2ce7311","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"29e8456aa90b","_type":"block","children":[{"_key":"12710694212a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"16c468186b94","_type":"block","children":[{"_key":"8aa0e26dff77","_type":"span","marks":[],"text":"You can think of investing in funds like buying a mixed case of wine - you don't have to be a connoisseur and someone else picks the contents they think are good. Funds come in lots of different flavours - such as multi-asset funds or exchange-traded funds. More on these later."}],"markDefs":[],"style":"normal"},{"_key":"90feae1f7eb6","_type":"block","children":[{"_key":"1915aec3fabb","_type":"span","marks":[],"text":""},{"__inline":true,"_key":"5ccd7b870fec","_type":"mainAnchor","children":[{"_key":"ut1xgBnP3A4eT38f4GGbAL","text":""}],"pageAnchor":{"_id":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"anchorCategory","_rev":"DmK61VtPyEhMsfOjcsZCmQ","_createdAt":"2022-02-14T09:08:36Z","_updatedAt":"2022-02-14T09:08:36Z","AnchorName":"funds/arefundsrightforme?","id":"-ef3fd67b-da5f-547e-b5cb-829992bc160c","children":[],"parent":null},"value":{"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"}}},{"_key":"3fc8bd064d62","_type":"span","marks":[],"text":"Are funds right for me?"}],"markDefs":[],"style":"h2"},{"_key":"f4e25a5df60e","_type":"block","children":[{"_key":"fa0bcaef29cd","_type":"span","marks":[],"text":"On average, investors hold 49% of their investments in funds, making them one of the most popular investment vehicles out there. But are funds really the right option for you? "}],"markDefs":[],"style":"normal"},{"_key":"fed979756bbe","_type":"block","children":[{"_key":"64b6ad599651","_type":"span","marks":[],"text":"If you prefer the freedom and flexibility of choosing which companies to invest in, shares may be a better choice. However, funds can also be highly diversified, which means your investments might be spread across different regions, sectors and assets. This reduces the risk of any one event, such as a political crisis in a single region, having a significant impact on your investments."}],"markDefs":[],"style":"normal"},{"_key":"e1ad6cc3a02a","_type":"block","children":[{"_key":"a8b55972e4dd","_type":"span","marks":[],"text":"So really it comes down to your personal preference. Here's a round-up of some of the main pros and cons to help you decide if investing in funds is the right choice for you."}],"markDefs":[],"style":"normal"},{"_key":"434d193075a7","_type":"block","children":[{"_key":"0e7fe5da01de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4bc700b962a5","_type":"prosConsWidget","cons":["Don't want to pay a fee","Want to pick your own shares","Want to trade regularly"],"consTitle":"Bad if you ","pros":["Want a broad mix of different shares","Want to invest abroad too","Aren't a whizz trader "],"prosTitle":"Good if you"},{"_key":"48067afe70fe","_type":"block","children":[{"_key":"0361b14633a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cec017f1a38c","_type":"block","children":[{"_key":"172137ada71e","_type":"span","marks":[],"text":""},{"_key":"de53e982c4a9","_type":"mainAnchor","pageAnchor":{"_id":"60941be5-1a4f-426e-b588-7699bee46271","_type":"anchorCategory","_rev":"3Wq67lOYe6sY0zlf1Hr5f2","_createdAt":"2023-05-22T15:36:21Z","_updatedAt":"2023-05-22T15:36:21Z","AnchorName":"whyinvestinafund","id":"-e9a67a08-aa87-5f0a-836d-61514c0ffaa1","children":[],"parent":null}},{"_key":"87cf346319c6","_type":"span","marks":[],"text":"Why invest in a fund?"}],"markDefs":[],"style":"h2"},{"_key":"93dc72ad81a4","_type":"block","children":[{"_key":"3338ff4b26c50","_type":"span","marks":[],"text":"A fund is simply the compilation album of the investing world! It’s a nice way to get someone at the sharp end of finance to pick and manage your investments from the bewildering array of bonds and shares on the market. Let’s give a really simple example. "}],"markDefs":[],"style":"normal"},{"_key":"a9403754dc28","_type":"block","children":[{"_key":"01c95b2b86ac","_type":"span","marks":[],"text":"If we ran the Boring Money UK Shares Fund (which we don’t), we might look at all the UK shares out there and say that HSBC, Shell, ITV and GlaxoSmithKline make the grade. And add them to our investment mix. But chuck out Barclays and Burberry and Sainsburys (all random examples by the way, not tips!). "}],"markDefs":[],"style":"normal"},{"_key":"7669a7ac791c","_type":"block","children":[{"_key":"d7e81010a760","_type":"span","marks":[],"text":"We’d end up with, say, 50 shares in our compilation album, which we bought for £1 each in our pretend world. So our fund would be worth £50. And we might sell 50 units to people for £1 each. "}],"markDefs":[],"style":"normal"},{"_key":"786bce77dbb8","_type":"block","children":[{"_key":"da65bc2f373e","_type":"span","marks":[],"text":"The benefit is that for a small investment of just £1, our investors would have a teeny fraction of an investment in 50 different British companies. And we would run and manage this pool of investments for you - so no need to get the calculator out and crunch any numbers!"}],"markDefs":[],"style":"normal"},{"_key":"985ff58d82e6","_type":"block","children":[{"_key":"2ad32b5454aa","_type":"span","marks":[],"text":"There are thousands of funds out there, all with different flavours, and they're among the best ways to get expert help on picking the right investments."}],"markDefs":[],"style":"normal"},{"_key":"362c2e7dfc09","_type":"block","children":[{"_key":"d766349dbf40","_type":"span","marks":[],"text":""},{"_key":"364cd3c1e445","_type":"mainAnchor","pageAnchor":{"_id":"a5632083-6993-47e2-9bc1-07d0a86ad84c","_type":"anchorCategory","_rev":"P1sInOyh7GOacwqEjXkr9I","_createdAt":"2024-11-12T14:54:29Z","_updatedAt":"2024-11-12T14:54:35Z","AnchorName":"fundstructures","id":"-4ae691ba-01ea-587c-aef0-52c62924204c","children":[],"parent":null}},{"_key":"0a68034d99f40","_type":"span","marks":[],"text":"The three main fund structures "}],"markDefs":[],"style":"h2"},{"_key":"4b7b2b21499a","_type":"block","children":[{"_key":"5d8b72478bbb","_type":"span","marks":[],"text":""},{"_key":"e02338579d1e","_type":"mainAnchor","pageAnchor":{"_id":"bcd041ed-8ed5-4fc7-8abd-21ee28def30c","_type":"anchorCategory","_rev":"P1sInOyh7GOacwqEjXc1ob","_createdAt":"2024-11-12T14:48:42Z","_updatedAt":"2024-11-12T14:48:44Z","AnchorName":"mutualfund","id":"-1e1c5e33-c27e-5fae-b6f2-969478ed60ec","children":[],"parent":null}},{"_key":"6c2a9ecc53f30","_type":"span","marks":[],"text":"1. Mutual fund – also known as an open-ended fund, OEIC or UCITS fund"}],"markDefs":[],"style":"h3"},{"_key":"3460d916f7b2","_type":"block","children":[{"_key":"0325a805ebd40","_type":"span","marks":[],"text":"A mutual fund combines money from multiple investors, which a professional manager invests according to the fund’s goals, such as growth or income, often focusing on specific sectors like European stocks or technology. Being “open-ended,” the fund can adjust its shares based on investor activity, with its value matching the combined value of its holdings. Investors can monitor performance daily through services like Morningstar, comparing it to similar funds or benchmarks like the FTSE All Share for UK funds."}],"markDefs":[],"style":"normal"},{"_key":"9f8832eee9c7","_type":"block","children":[{"_key":"b0249a4aa624","_type":"span","marks":[],"text":""},{"_key":"777c7f3bd35c","_type":"mainAnchor","pageAnchor":{"_id":"b8467767-7e11-4c31-bea1-aa9f5262781c","_type":"anchorCategory","_rev":"3Wq67lOYe6sY0zlf1HqnIX","_createdAt":"2023-05-22T15:34:27Z","_updatedAt":"2023-05-22T15:34:37Z","AnchorName":"whatisanexchangetradedfund","id":"-9a9c7762-3928-516e-adb1-7eee6a758cff","children":[],"parent":null}},{"_key":"6722e89ace4a","_type":"span","marks":[],"text":"2. ETF – or exchange-traded fund"}],"markDefs":[],"style":"h3"},{"_key":"ac1f21c74e0a","_type":"block","children":[{"_key":"189a0849a0f50","_type":"span","marks":[],"text":"ETFs, or Exchange-Traded Funds, are investment funds that provide low-cost, diversified access to various markets, similar to mutual funds. Unlike mutual funds, ETFs trade on stock exchanges, with their prices fluctuating throughout the day based on supply and demand. ETFs often aim to track specific assets, like major stock indices (e.g., S&P 500), commodities, or even currencies. They can be structured using \"physical\" methods (owning a bit of each asset in the index) or \"synthetic\" methods (using derivatives to mimic asset performance). ETFs can also offer leveraged or inverse options to enhance potential gains or bet against an asset's price. 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A single ETF can invest in a range of assets, from shares to bonds and even property, allowing you to get exposure to an array of different investments in just one product!"}],"markDefs":[],"style":"normal"}],"title":"Why are ETFs great for diversifying your portfolio?"},{"_key":"f0a40928724a","_type":"tabsTextboxItem","image":{"_type":"mainImage","alt":"Do ETFs pay dividends?","asset":{"_ref":"image-606e402dba256c06fb35c8778052e9eaf4c7f647-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"ETFs which invest in shares receive dividends when those shares pay out, but this is not always passed onto the investor.","textParagraph":[{"_key":"f0ce99e88bff","_type":"block","children":[{"_key":"86f3b642e7cb","_type":"span","marks":[],"text":"Do ETFs pay dividends?"}],"markDefs":[],"style":"h3"},{"_key":"6df472772608","_type":"block","children":[{"_key":"9cab9cde834e","_type":"span","marks":[],"text":"Generally speaking, there are two ways that ETFs utilise dividends: reinvestment and payment. 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Alternatively, an ETF can collate the dividends paid out by its underlying shares and distribute them directly back to the investors.\n"}],"markDefs":[],"style":"normal"}],"title":"Do ETFs pay dividends?"},{"_key":"80217e01ec32","_type":"tabsTextboxItem","image":{"_type":"mainImage","alt":"How many ETFs should you invest in?","asset":{"_ref":"image-a8461b923e5871fb7e40f368500e9321ec5e4b59-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"There is no limit to the number of ETFs you can have in your portfolio, but working out the right amount for you really depends on your investment strategy.","textParagraph":[{"_key":"cbbbf3987249","_type":"block","children":[{"_key":"8daabbae17cf","_type":"span","marks":[],"text":"How many ETFs should you invest in?"}],"markDefs":[],"style":"h3"},{"_key":"08041120dfe2","_type":"block","children":[{"_key":"9e4030387cf6","_type":"span","marks":[],"text":"First of all, remember that each ETF you own will likely invest in at least 20-30 stocks, and sometimes more. 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In addition, the majority of ETFs are passive, whereas most mutual funds are actively-managed and therefore charge slightly higher fees."}],"markDefs":[],"style":"normal"}],"title":"What's the difference between an ETF and a mutual fund?"}]},{"_key":"b4b5464dd4d6","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"d9404f36ac4c","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"420fc5c541ef","_type":"block","children":[{"_key":"4cb319c7c9eb0","_type":"span","marks":[],"text":"‏‏‎ETF related articles"}],"markDefs":[],"style":"h2"},{"_key":"345b66d43fcb","_type":"block","children":[{"_key":"3d924c463a8e0","_type":"span","marks":[],"text":"Dive deeper into our handy articles - on everything from the best-selling ETFs of the month to the latest themes trending in the ETF sector!"}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent","title":"‏‏‎ETF related articles"},{"CategoryMultiSelect":[{"_key":"975cd9737787","_ref":"a9695476-b643-4a18-be2a-e8dbf3420afd","_type":"reference"}],"_key":"04711d8f6150","_type":"latestArticlesBlock","articleCount":"9","contentType":"articles+info","styles":"Grey-Transparent"},{"_key":"b0d60aea40207127bc6f9208209a79d2","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"625b46bcd55f","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"b97cfd651a35","_type":"block","children":[{"_key":"6109e8631393","_type":"span","marks":[],"text":"Your investing questions answered"}],"markDefs":[],"style":"h3"},{"_key":"07b484da9e11","_type":"block","children":[{"_key":"2ff5262ec663","_type":"span","marks":["strong"],"text":"You've been writing in to ask us how you can make your money work harder. 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Our hub explains how exchange-traded funds work, the pros and cons, and how to invest. 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Investment Trusts"}],"markDefs":[],"style":"h3"},{"_key":"47687a68ef20","_type":"block","children":[{"_key":"22745b29c849","_type":"span","marks":[],"text":"Investment trusts are publicly listed companies that pool investors' money to buy shares, bonds, or other assets like property. Managed by a board that oversees the fund manager, they operate as \"closed-ended\" funds, meaning they don’t need to buy or sell assets as investors come and go. This structure suits less liquid investments, and they can also save income from strong years to pay out in weaker ones, offering a steadier return. Investors can buy shares at market prices, sometimes below the actual asset value, and have many options for building a diverse portfolio. Read more on how mutual funds compare to ETFs and Investment Trusts "},{"_key":"3ac6a8b34f46","_type":"span","marks":["bd12d349ce04"],"text":"here"},{"_key":"f569af0635c5","_type":"span","marks":[],"text":". \n"}],"markDefs":[{"_key":"bd12d349ce04","_type":"internalLinkPick","reference":{"_id":"508b9184-a3ee-4f2c-b9cd-5c61ac88dfaa","_type":"information","_rev":"y33kVVAtJ6FPvtjrhhjXTU","_createdAt":"2024-11-12T14:16:00Z","_updatedAt":"2025-09-29T13:41:20Z","_system":{"base":{"id":"508b9184-a3ee-4f2c-b9cd-5c61ac88dfaa","rev":"e7S5nnkPXYi4lb6u9TZxdo"}},"authors":[{"_key":"f8bb67e0541d","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"body":[{"_key":"57bf60566e40","_type":"block","children":[{"_key":"2f629102d7210","_type":"span","marks":["strong"],"text":"Investment funds are all run on the same principles. They pool investments from a range of different investors, providing access to a diversified portfolio that would be difficult for an individual investor to achieve by themselves. However, there are a range of different structures investors can use. Here’s the main three:"}],"markDefs":[],"style":"normal"},{"_key":"443b121af399","_type":"block","children":[{"_key":"7df10a023c2c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"334b30f8218b","_type":"mainImage","asset":{"_ref":"image-5da0437c842a15e209c7bf006308fa75f5cedcdf-1920x1080-png","_type":"reference"}},{"_key":"842e59c386d0","_type":"anchorMenuMobile","title":"menu"},{"_key":"d7a3be039491","_type":"block","children":[{"_key":"d9383de2be66","_type":"span","marks":[],"text":""},{"_key":"68dfec5d7ad5","_type":"mainAnchor","pageAnchor":{"_ref":"bcd041ed-8ed5-4fc7-8abd-21ee28def30c","_type":"reference"}},{"_key":"41fb40545fa4","_type":"span","marks":[],"text":"1. "},{"_key":"802577e8872a","_type":"span","marks":["b462fe1f06d8"],"text":"Mutual fund"},{"_key":"b8fca2a27486","_type":"span","marks":[],"text":" – also known as an open-ended fund, OEIC or UCITS fund"}],"markDefs":[{"_key":"b462fe1f06d8","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"h3"},{"_key":"85dcba9b38c1","_type":"block","children":[{"_key":"38c9197f883f","_type":"span","marks":[],"text":"Mutual funds pool together investors’ money, which is then managed on their behalf by a dedicated investment manager. They will use their skill and experience to choose companies with a strong pathway of growth and/or income, depending on the investment goals set out for the fund. Most mutual funds will have a specific area of focus – say, European stock markets, or the technology sector."}],"markDefs":[],"style":"normal"},{"_key":"7d75774e8ba4","_type":"block","children":[{"_key":"701e2a46710e","_type":"span","marks":[],"text":"These funds are ‘open-ended’, which means that new units are created when money comes into the fund, and retired when an investor exits. The fund manager will need to buy new investments as new money comes in, and sell investments to meet redemptions. The net asset value of the fund will match exactly the value of the underlying holdings. Mutual funds usually price once a day."}],"markDefs":[],"style":"normal"},{"_key":"5d91e33c61d9","_type":"block","children":[{"_key":"6268aacc6ae2","_type":"span","marks":[],"text":"Investors can monitor the performance of their holdings through groups such as Morningstar or Trustnet. Performance is usually judged against their peer group – for a European fund that might be the Investment Association’s Europe ex UK sector, for example – or against a benchmark, so a UK fund might be measured against the FTSE All Share."}],"markDefs":[],"style":"normal"},{"_key":"088cc6b9b3ca","_type":"mainImage","asset":{"_ref":"image-1c4f3d03283ed302300a68ab3e2ab6522df69ffe-1920x1080-png","_type":"reference"},"blankAltTag":true},{"_key":"0e3d6f813d40","_type":"block","children":[{"_key":"34aa132bcd6f","_type":"span","marks":[],"text":""},{"_key":"9b4f770598db","_type":"mainAnchor","pageAnchor":{"_ref":"b8467767-7e11-4c31-bea1-aa9f5262781c","_type":"reference"}},{"_key":"ce4027306905","_type":"span","marks":[],"text":"2. "},{"_key":"d7811b4d5629","_type":"span","marks":["5125949a72e2"],"text":"ETF "},{"_key":"785aaf03c38e","_type":"span","marks":[],"text":"– or exchange-traded fund"}],"markDefs":[{"_key":"5125949a72e2","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}}],"style":"h3"},{"_key":"058c88ebe042","_type":"block","children":[{"_key":"63fc3e598055","_type":"span","marks":[],"text":"ETFs have some similarities with mutual funds, in that they aim to give cheap, diversified access to stock markets and other securities markets. However, unlike mutual funds, ETFs are traded on an exchange and the price fluctuates according to demand. 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Each of these will typically have at least 20 underlying companies in them, so if you bought 10 Investment Trusts, you'd be investing in around 200 shares in total - spreading your investment risk but still keeping it all manageable with just 10 overarching trusts to keep an eye on. "}],"markDefs":[],"style":"normal"}],"title":"How many Investment Trusts should you invest in?"},{"_key":"80217e01ec32","_type":"tabsTextboxItem","fullSizeImage":{"_type":"mainImage"},"image":{"_type":"mainImage","alt":"What are the Dividend Heroes?","asset":{"_ref":"image-c2bcc52dc6e223d5879f32f82deb806ec86e4fad-1000x1000-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"The Dividend Heroes are an elite group of Investment Trusts which have been recognised by the AIC for consistently paying out dividends for 20 or more years in a row. 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"}],"markDefs":[],"style":"normal"},{"_key":"ad246f1d9a03","_type":"block","children":[{"_key":"d33daf52853b","_type":"span","marks":[],"text":"Bonds are influenced by interest rates, so they’re behaving a bit weirdly at the moment. If you lend the UK government money for 10 years, they’ll pay you about 4% (at the time of writing). And inflation is hovering around the 10% mark. So you’ll see why bonds are paying attractive rates at the moment - the UK economy is currently grappling with the risk of high inflation!"}],"markDefs":[],"style":"normal"},{"_key":"66a2cb7a79bb","_type":"block","children":[{"_key":"f67dc90952da","_type":"span","marks":[],"text":"What is a share?"}],"markDefs":[],"style":"h3"},{"_key":"42ec8b2bfea7","_type":"block","children":[{"_key":"d7677c521ef0","_type":"span","marks":[],"text":"Shares are also known as ‘equities’ or ‘stocks’. If you own shares, you buy little pieces of the world’s biggest companies. And tie your fortunes to theirs. It's these shares that make up the majority of most funds. "}],"markDefs":[],"style":"normal"},{"_key":"87391d64e98f","_type":"block","children":[{"_key":"50f803a42246","_type":"span","marks":[],"text":"As a rule of thumb, most ‘equity’ focused funds will have about 40-60 shares in them, although some fund managers have fewer, sticking to their convictions more about which shares are duds and which ones are winners. "}],"markDefs":[],"style":"normal"},{"_key":"230865d11ff5","_type":"block","children":[{"_key":"81251b61e60c","_type":"span","marks":[],"text":"Shares are also one of the few investments where you can get a decent income. Companies often pay out a share of their profits as dividends. The key is to look for an ‘equity income’ fund. Pick the right one and you could get an income of around 3-4% a year!"}],"markDefs":[],"style":"normal"},{"_key":"06e377758cad","_type":"block","children":[{"_key":"d4019195a987","_type":"span","marks":[],"text":"The balance between bonds and shares"}],"markDefs":[],"style":"h3"},{"_key":"46cf69523ea8","_type":"block","children":[{"_key":"d519404d9cb6","_type":"span","marks":[],"text":"Many suggest diversifying, which means a sort-of Combo Meal of bonds "},{"_key":"a61d5d5863e0","_type":"span","marks":["em"],"text":"and "},{"_key":"2e722c7e508b","_type":"span","marks":[],"text":"shares. Over the long-term, bonds are usually seen as safer and less choppy than shares, but many believe they will make you less over the long-run too. 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If you’re getting on and likely to need your money soon, people typically prefer bonds because they’re less likely to crash as dramatically as shares, leaving you high and dry if you need to cash in your investments. "}],"markDefs":[],"style":"normal"},{"_key":"c44bbef6d561","_type":"block","children":[{"_key":"e1b0274abca3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f871776e39d7","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "},"text":[{"_key":"dc826f13da73","_type":"block","children":[{"_key":"92f0eb6df824","_type":"span","marks":["strong"],"text":"Top tip: You don't need to pick exclusively bonds or exclusively shares. 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"}],"markDefs":[],"style":"normal"}]},{"_key":"f7d5fb36fe0f","_type":"block","children":[{"_key":"db6952c70b24","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19431081595a","_type":"block","children":[{"_key":"6e263f6e0c3f","_type":"span","marks":[],"text":""},{"_key":"394165043e4a","_type":"mainAnchor","pageAnchor":{"_id":"f0e25e55-88ef-4bd3-96fb-2ea766606d57","_type":"anchorCategory","_rev":"3Wq67lOYe6sY0zlf1Hqrvx","_createdAt":"2023-05-22T15:35:10Z","_updatedAt":"2023-05-22T15:35:10Z","AnchorName":"activevspassive","id":"-946d7890-0ada-5808-9ab1-5f4661ddb7f2","children":[],"parent":null}},{"_key":"d81d41f1e8ee1","_type":"span","marks":[],"text":"Active vs passive"}],"markDefs":[],"style":"h2"},{"_key":"97fd1b6cacb5","_type":"block","children":[{"_key":"b1149c8e019a","_type":"span","marks":[],"text":"Another couple of phrases you'll often see when investing in funds is 'active' and 'passive', but as the world of finance is renowned for being full of jargon, no one ever seems to explain what these are! Here's what they actually mean and why they matter when deciding on the right fund for you."}],"markDefs":[],"style":"normal"},{"_key":"4f4328ace20e","_type":"block","children":[{"_key":"267b07472f39","_type":"span","marks":[],"text":"What is an active fund?"}],"markDefs":[],"style":"h3"},{"_key":"965f3e1b9c85","_type":"block","children":[{"_key":"7e7c85ce1d910","_type":"span","marks":[],"text":"Most funds in the market are what we call ‘active’. An active fund manager, by definition, thinks he or she is smarter than the average investor. A clever clogs. They think they can spot a bargain. Spot the dog before others. Identify the region that is about to go belly-up. So they pick and choose. If you buy an active fund which invests in shares, you'll usually pay a fee to the fund manager of about 75p-95p for every £100 you entrust to them. "}],"markDefs":[],"style":"normal"},{"_key":"dd074314f1cf","_type":"block","children":[{"_key":"e2405d675768","_type":"span","marks":[],"text":"What is a passive fund?"}],"markDefs":[],"style":"h3"},{"_key":"b9d2cd328e0c","_type":"block","children":[{"_key":"9da255300335","_type":"span","marks":[],"text":"Passive funds, on the other hand, are devoid of ego and opinion. They're the well-behaved end of the fund market. No one makes a call on whether Share A is better than Share B. They simply follow what we call an index - or a list of shares or bonds in any given market. They buy them in proportion to their size and no judgement calls are made. If you buy a passive fund which invests in shares, you'll usually pay a fee to the fund manager of about 8-12p for every £100 you entrust to them. It’s a lot cheaper because it’s run by a computer, rather than an expensive human. "}],"markDefs":[],"style":"normal"},{"_key":"365e8264db90","_type":"block","children":[{"_key":"faa5a312feb3","_type":"span","marks":[],"text":"How to decide between active vs passive funds"}],"markDefs":[],"style":"h3"},{"_key":"b8221aa671cb","_type":"block","children":[{"_key":"4799dbdc92b40","_type":"span","marks":[],"text":"There are pros and cons to each approach. Passive funds will tend to be cheaper and have performed well over much of the past decade as a result of strong performance from the technology giants (which form a large share of most capitalisation-weighted indices). However, they can have certain biases – the MSCI World has a 70%+ weighting to the US[2],  for example. Equally, bond indices can have higher weights in companies that have issued the most bonds – i.e. the most indebted. This can increase risk."}],"markDefs":[],"style":"normal"},{"_key":"611ac6f8c648","_type":"block","children":[{"_key":"d022771f72c90","_type":"span","marks":[],"text":"With active funds, there tends to be extremes. Some fund managers will be very successful and deliver better returns than the wider market, while others will find their analysis doesn’t pay off. Investors need to be willing to take a risk on the manager’s skill."}],"markDefs":[],"style":"normal"},{"_key":"c39c65e3ba8a","_type":"block","children":[{"_key":"3c62d7c5ecdd","_type":"span","marks":[],"text":"The jury is out on which is best, but passive funds will inherently return the average of any market. Some active funds will go further and smash it – but others will underperform and charge you for the privilege! So it depends on your risk appetite, among other things. Happy to sit back and copy what the markets do? Passive is for you. Want to leave it to the experts to crunch the numbers and try to outperform? 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Join our Fund Newsletter.\n","title":"Sign up here!"},{"_key":"9082b2e04f18","_type":"block","children":[{"_key":"eca87e721854","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ed19b6fc9ee","_type":"block","children":[{"_key":"0ee0c876052d","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"1fdae174a2eb","_type":"block","children":[{"_key":"4e62aed3fa81","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3aafc66da691","_type":"block","children":[{"_key":"7eacb7f07336","_type":"span","marks":[],"text":"[1] "},{"_key":"d5da36f05625","_type":"span","marks":["873e1e148fbf"],"text":"PwC, March 2024"}],"markDefs":[{"_key":"873e1e148fbf","_type":"internalLinkPick","blank":true,"reference":{"_id":"145cfde5-0dfc-42d5-920b-0b191331e84e","_type":"linkCategory","_rev":"57EMnMDl2Y1cYcN31otiyA","_createdAt":"2024-10-17T08:39:17Z","_updatedAt":"2024-10-17T08:39:23Z","url":"https://www.pwc.com/gx/en/industries/financial-services/publications/etfs-2028-shaping-the-future.html#:~:text=Global%20Exchange%20Traded%20Fund%20(%E2%80%9CETF,2023%20%2D%20according%20to%20PwC%20analysis.","id":"-cf9d1c5f-bb14-5094-b4d2-4a8947638992","children":[],"parent":null}}],"style":"normal"},{"_key":"303192e61fb6","_type":"block","children":[{"_key":"1928cb41e922","_type":"span","marks":[],"text":"[2] "},{"_key":"341d43b08b6b","_type":"span","marks":["a4f8efc4fe28"],"text":"MSCI, November 2024"}],"markDefs":[{"_key":"a4f8efc4fe28","_type":"internalLinkPick","blank":true,"reference":{"_id":"b300e7f8-9ee8-475d-85f0-bcccebda9deb","_type":"linkCategory","_rev":"lz9D5PWofIUHM5I9Qpq7El","_createdAt":"2023-06-08T11:31:28Z","_updatedAt":"2024-10-29T12:00:03Z","description":"MSCI World Index (USD) ","url":"https://www.msci.com/documents/10199/178e6643-6ae6-47b9-82be-e1fc565ededb","id":"-35c899d2-7191-5632-aa4c-2eb4a10b4f1c","children":[],"parent":null}}],"style":"normal"},{"_key":"49a0d84ddbed","_type":"block","children":[{"_key":"cae41be45c6b","_type":"span","marks":[],"text":"[3] "},{"_key":"653072da076b","_type":"span","marks":["d77d4f4a9a3d"],"text":"Trustnet, January 2023"}],"markDefs":[{"_key":"d77d4f4a9a3d","_type":"internalLinkPick","blank":true,"reference":{"_id":"39231df5-0e90-4b9c-abc7-f980c11317c9","_type":"linkCategory","_rev":"ZgCTHLQT5xa597d1MhSaEt","_createdAt":"2024-10-18T15:30:08Z","_updatedAt":"2024-10-18T15:30:14Z","description":"Trustnet","url":"https://www.trustnet.com/news/13353261/nine-charts-showing-where-you-should-have-invested-in-2022","id":"-c335c72d-9bc0-584f-97a3-55c5ed032cb7","children":[],"parent":null}}],"style":"normal"}],"categories":[{"_id":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"category","_rev":"YGZ0taAMl6Ce0nxRRrmRJu","_createdAt":"2025-05-08T10:55:42Z","_updatedAt":"2025-05-12T14:18:13Z","description":"All guide pages related to investing - e.g. funds, Investment Trusts, ETFs.","title":"Investing Guides","id":"-87985091-2601-5883-a2ba-c1ac80cb8f03","children":[],"parent":null},{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","_type":"category","_rev":"DmK61VtPyEhMsfOjcsZCmQ","_createdAt":"2021-04-27T09:39:55Z","_updatedAt":"2021-04-27T09:39:55Z","description":"Funds","title":"Funds","id":"-3a9092a6-9e6d-53ef-bb73-2ab64139b168","children":[],"parent":null},{"_id":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"category","_rev":"WL47ZrgxNpp8wbh75H7FrV","_createdAt":"2024-05-31T10:43:39Z","_updatedAt":"2024-05-31T11:56:50Z","title":"Guide","id":"-42823ea2-5742-58ea-be27-557d9d35eea7","children":[],"parent":null}],"excerpt":[{"_key":"0c5edb6fe2c3","_type":"block","children":[{"_key":"e3cfba5e3d06","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. 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Great for investing overseas and for outsourcing the decision-making to a professional."}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":true,"linkMenu":[{"_id":"e7ee7375-de0b-4584-ab7c-316ed8adfc92","_type":"pageAnchorMenu","_rev":"ONlyvx4tymESqpbCaPXrJm","_createdAt":"2021-07-21T09:53:56Z","_updatedAt":"2024-11-12T14:55:07Z","menuLinksTop":[{"_key":"4fdcc5e895b3","_type":"pageAnchorMenuTop","reference":{"_ref":"c092d7ca-1d59-4a6f-ae22-c1659dda889d","_type":"reference"},"text":"What is a fund?"},{"_key":"f7f90a209a10","_type":"pageAnchorMenuTop","reference":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"},"text":"Are funds right for me?"},{"_key":"a8c8275ee460","_type":"pageAnchorMenuTop","reference":{"_ref":"60941be5-1a4f-426e-b588-7699bee46271","_type":"reference"},"text":"Why invest in a 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And there are two different types - intentional and unintentional - Morningstar’s Global Head of Sustainability Research Hortense Bioy explains."}],"markDefs":[],"style":"normal"},{"_key":"4bb09555494d","_type":"block","children":[{"_key":"4501d1f75821","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"338b82ea03bb","_type":"blockQuote","adviserName":"Hortense Bioy","jobTitle":"Global Head of Sustainability Research, Morningstar","photo":{"_type":"mainImage","alt":"Hortense Bioy quote on greenwashing"},"quote":[{"_key":"946413fc3aca","_type":"block","children":[{"_key":"d9ad57cae6b8","_type":"span","marks":[],"text":"There is intentional greenwashing, which is when asset managers over-claim and over-sell what they’re actually providing. And this type of greenwashing is clearly problematic, and corrosive to long-term trust and credibility."}],"markDefs":[],"style":"normal"},{"_key":"55af2894f930","_type":"block","children":[{"_key":"d748dec83522","_type":"span","marks":[],"text":"And there is another form of greenwashing that often comes down to an expectations gap between investors and asset managers. So, here, there is no real intention from the asset manager to over-state the green characteristics of a product, but the investor expects more – because there is no common definition of “green”, the investor has a certain idea of what green should look like - without realising sometimes that it is not practical or in his best interest.[5]"}],"markDefs":[],"style":"normal"}]},{"_key":"043d4fa88d16","_type":"block","children":[{"_key":"17993e8b6127","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c509efae5c5b","_type":"block","children":[{"_key":"7b6c50e4d538","_type":"span","marks":[],"text":"So what can an investor do to make sure they aren’t being misled – intentionally or otherwise? "}],"markDefs":[],"style":"normal"},{"_key":"608fb976d244","_type":"block","children":[{"_key":"e456d2982be9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c57782d2f4b7","_type":"prosConsWidget","cons":["Vague claims without evidence","Lots of PR, little action","Focus on minor issues while ignoring major ones"],"consTitle":"Some key things to look out for include:"},{"_key":"0f6d42d2ef6b","_type":"block","children":[{"_key":"d0e5662877680","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d94b32df509f","_type":"block","children":[{"_key":"4042a3c7fb76","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"484df8f87e7b","_type":"block","children":[{"_key":"8af17e9577d30","_type":"span","marks":[],"text":"However, Boiy explains that the best thing an aspiring sustainable investor can do to mitigate greenwashing is to educate themselves and make sure they’re clued up on exactly where their money is going."}],"markDefs":[],"style":"normal"},{"_key":"5e75b0274a3c","_type":"block","children":[{"_key":"d252073a5890","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9c175fa31480","_type":"blockQuote","adviserName":"Hortense Bioy","jobTitle":"Global Head of Sustainability Research, Morningstar","photo":{"_type":"mainImage","alt":"Hortense Bioy quote on greenwashing"},"quote":[{"_key":"d79ed1e46cfd","_type":"block","children":[{"_key":"08bfbffa12c6","_type":"span","marks":[],"text":"To spot greenwashing and avoid it, due diligence is key. First, an investor needs to look beyond a fund’s name or label and understand what the fund’s objective is: What does the fund aim to do? Is it a fund that aims to invest in companies with lower ESG risk? Does it aim to invest in companies that offer solutions to the world’s biggest challenges? Does the fund claim to have some sort of impact?"}],"markDefs":[],"style":"normal"},{"_key":"786bf1afaf87","_type":"block","children":[{"_key":"8caadcc22366","_type":"span","marks":[],"text":"Then, the fund’s claims need to be tested. An investor needs to look under the hood, look at the fund’s holdings and their ESG characteristics. Many funds with a climate theme don’t actually invest only in green companies. They may invest in so-called “transition” companies. These are companies that today don’t necessarily have good green credentials, they may even have exposure to fossil fuels, but these companies have the intention and plans to improve their environmental profile. An investor must feel comfortable with this type of companies.[6]"}],"markDefs":[],"style":"normal"}]},{"_key":"2208dbe75c7a","_type":"block","children":[{"_key":"181ae0c1b8440","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"fd3307376bc6","_type":"block","children":[{"_key":"7459cb6e8cdc0","_type":"span","marks":[],"text":"Morningstar and other research organisations publish ESG and sustainability metrics which can be helpful for those who want to dig under the bonnet of their investments. Morningstar’s Sustainability Ratings can be a good place to start – you can read about how these work and how you can find them at the link below."}],"markDefs":[],"style":"normal"},{"_key":"e5bd0a58137c","_type":"block","children":[{"_key":"7d3e78c81983","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"0afe4332b598","_type":"block","children":[{"_key":"6add14b133dc","_type":"span","marks":["strong"],"text":"The Morningstar Sustainability Rating: How it works"}],"markDefs":[],"style":"normal"}],"_key":"5ac8a5ee0274","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"reference":{"_ref":"e3908cac-7c74-47ca-acea-fe81bc2d6f0a","_type":"reference"},"text":"TELL ME"},{"_key":"968d5c7dd816","_type":"block","children":[{"_key":"f290954d55aa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5c6892521317","_type":"block","children":[{"_key":"4bba1480c738","_type":"span","marks":[],"text":""},{"_key":"2caab10819fb","_type":"mainAnchor","pageAnchor":{"_ref":"44ce5657-2d4e-4f12-b5b0-f962120b22ea","_type":"reference"}},{"_key":"08d8f26a28ba0","_type":"span","marks":[],"text":"🚩 Higher fees"}],"markDefs":[],"style":"h3"},{"_key":"a53659d41042","_type":"block","children":[{"_key":"02a2386075490","_type":"span","marks":[],"text":"Greenwashing aside, there is also the possibility that you could end up paying more in fees for sustainable funds. This is because some charge more for all the extra research and management that goes into ensuring your investments really are what they say they are."}],"markDefs":[],"style":"normal"},{"_key":"8e6aa819ee28","_type":"block","children":[{"_key":"73483145dfa80","_type":"span","marks":[],"text":"Here are some examples of the cost of investing in sustainable investment funds on popular investment platforms versus a traditional alternative:"}],"markDefs":[],"style":"normal"},{"_key":"98c6629cfeff","_type":"block","children":[{"_key":"48c694b495b40","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e0edeb5610b0","_type":"tableControl","rows":[{"_key":"9675c531ac47","_type":"row","cells":[{"_key":"1d47b625e4a0","_type":"cell","tableStyle":"DB","value":[{"_key":"5a28216d8254","_type":"block","children":[{"_key":"e8c623a36017","_type":"span","marks":["strong"],"text":"Platform"}],"markDefs":[],"style":"normal"}]},{"_key":"c7151447d005","_type":"cell","tableStyle":"DB","value":[{"_key":"5189875791df","_type":"block","children":[{"_key":"18195dd132de","_type":"span","marks":["strong"],"text":"AJ Bell"}],"markDefs":[],"style":"normal"}]},{"_key":"8e75c76f78ca","_type":"cell","tableStyle":"DB","value":[{"_key":"3a46d230b5e2","_type":"block","children":[{"_key":"0d53ad1ecf10","_type":"span","marks":["strong"],"text":"Nutmeg"}],"markDefs":[],"style":"normal"}]},{"_key":"f1a5e9e9fdf6","_type":"cell","tableStyle":"DB","value":[{"_key":"4607140b85ce","_type":"block","children":[{"_key":"3da442856ccb","_type":"span","marks":["strong"],"text":"Wealthify"}],"markDefs":[],"style":"normal"}]}]},{"_key":"0854a4e2cc20","_type":"row","cells":[{"_key":"09086d560802","_type":"cell","tableStyle":"W","value":[{"_key":"53dd1c094ecf","_type":"block","children":[{"_key":"2e08011bf465","_type":"span","marks":["strong"],"text":"Sustainable Option"}],"markDefs":[],"style":"normal"}]},{"_key":"5530f5c71f5a","_type":"cell","tableStyle":"W","value":[{"_key":"2fe11360432b","_type":"block","children":[{"_key":"383912e08f9d0","_type":"span","marks":[],"text":"0.45% (Responsible Growth)"}],"markDefs":[],"style":"normal"}]},{"_key":"97efa2486851","_type":"cell","tableStyle":"W","value":[{"_key":"b975bd55a50e","_type":"block","children":[{"_key":"e67e97a3161b0","_type":"span","marks":[],"text":"0.23% (Socially responsible investing)"}],"markDefs":[],"style":"normal"}]},{"_key":"8663c2d6ad3f","_type":"cell","tableStyle":"W","value":[{"_key":"ad753185d4c2","_type":"block","children":[{"_key":"1abf869a05120","_type":"span","marks":[],"text":"0.70% (Ethical)"}],"markDefs":[],"style":"normal"}]}]},{"_key":"d949fd89f223","_type":"row","cells":[{"_key":"a2834bda4b14","_type":"cell","tableStyle":"W","value":[{"_key":"3d46757318bc","_type":"block","children":[{"_key":"a9b1416470360","_type":"span","marks":["strong"],"text":"Traditional Option"}],"markDefs":[],"style":"normal"}]},{"_key":"51eb75a87841","_type":"cell","tableStyle":"W","value":[{"_key":"20d6e69f44f0","_type":"block","children":[{"_key":"f82e31fdc3350","_type":"span","marks":[],"text":"0.31% (Adventurous)"}],"markDefs":[],"style":"normal"}]},{"_key":"38af6f88001d","_type":"cell","tableStyle":"W","value":[{"_key":"2f569bd2cc02","_type":"block","children":[{"_key":"14dff23dfee00","_type":"span","marks":[],"text":"0.16% (Fixed allocation)"}],"markDefs":[],"style":"normal"}]},{"_key":"12ae046e0997","_type":"cell","tableStyle":"W","value":[{"_key":"437b64bb48e5","_type":"block","children":[{"_key":"ad26bae6c0080","_type":"span","marks":[],"text":"0.16% (Original)"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB"},{"_key":"0df600ed82c1","_type":"block","children":[{"_key":"629e87623fac","_type":"span","marks":["em"],"text":"Correct as at June 2025. 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Their transparency, simplicity, and low barrier to entry make them an ideal choice for beginner investors, those building a long-term portfolio, or anyone looking for a low-maintenance way to invest."}],"markDefs":[{"_key":"69cea6ea0437","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"},{"_key":"fba220811ee1","_type":"block","children":[{"_key":"251b3ab91b42","_type":"span","marks":[],"text":""},{"_key":"637f55890428","_type":"mainAnchor","pageAnchor":{"_ref":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"reference"}},{"_key":"4d7fa7248d19","_type":"span","marks":[],"text":"What are the cons of investing in ETFs?"}],"markDefs":[],"style":"h2"},{"_key":"0a5365d55f11","_type":"block","children":[{"_key":"ba031cc12f30","_type":"span","marks":["strong"],"text":"ETFs give you no control over individual holdings, can lead to accidental overlap between funds and still fall in value when their underlying market drops."}],"markDefs":[],"style":"normal"},{"_key":"6fd746bca917","_type":"block","children":[{"_key":"c87d84ab8ed8","_type":"span","marks":[],"text":""},{"_key":"2a9231654e6b","_type":"mainAnchor","pageAnchor":{"_ref":"b0bf4eec-56c9-4216-a97b-9be7a3a35527","_type":"reference"}},{"_key":"37a31be65391","_type":"span","marks":[],"text":"❌ You can’t pick and choose"}],"markDefs":[],"style":"h3"},{"_key":"10435ab41deb","_type":"block","children":[{"_key":"db1c754fe0e3","_type":"span","marks":[],"text":"While ETFs are a great tool for many investors, they’re not without their downsides. One issue is lack of flexibility. Because ETFs typically track an index, you have no control over the individual companies included. If a sector you don’t support (like fossil fuels or tobacco) is heavily represented in a broad market ETF, there’s not much you can do about it. This can be a drawback for "},{"_key":"6c28ef491aaf","_type":"span","marks":["5aab59721fc3"],"text":"ethical"},{"_key":"370dd1259229","_type":"span","marks":[],"text":" investors who want to align their portfolio with their values."}],"markDefs":[{"_key":"5aab59721fc3","_type":"glossaryPick","reference":{"_ref":"5cb1800e-1555-43a2-83d8-bd1d19a586fe","_type":"reference"}}],"style":"normal"},{"_key":"7a60017a89b5","_type":"block","children":[{"_key":"6b38641ab2cc","_type":"span","marks":[],"text":""},{"_key":"bb505b264510","_type":"mainAnchor","pageAnchor":{"_ref":"cd10a6ae-7510-4135-8400-f12ba04fda3d","_type":"reference"}},{"_key":"7dd65ce281b4","_type":"span","marks":[],"text":"❌ Beware of owning too many"}],"markDefs":[],"style":"h3"},{"_key":"1728bd5cc2c2","_type":"block","children":[{"_key":"b1bfa84f2454","_type":"span","marks":[],"text":"Another thing to watch out for is over-diversification or “diworsification.” Some investors load up on lots of ETFs without realising there’s significant overlap between the "},{"_key":"e2c6c9e2e9bf","_type":"span","marks":["46e65d891c29"],"text":"underlying"},{"_key":"4b9bd5e1f275","_type":"span","marks":[],"text":" assets. For example, if you own a global ETF and a US-focused ETF, you might be doubling up on the same stocks. It’s important to understand what’s actually inside your ETFs to avoid unintended risk or redundancy."}],"markDefs":[{"_key":"46e65d891c29","_type":"glossaryPick","reference":{"_ref":"cb2d54a5-51bd-4510-96c6-badad138eff7","_type":"reference"}}],"style":"normal"},{"_key":"e3bd9ee6ecec","_type":"block","children":[{"_key":"14bac8b5c670","_type":"span","marks":[],"text":""},{"_key":"648c01633d9c","_type":"mainAnchor","pageAnchor":{"_ref":"34c4bdaa-bb71-424f-972c-c0de69e9f1df","_type":"reference"}},{"_key":"f41184660529","_type":"span","marks":[],"text":"❌ Still rise and fall with the market"}],"markDefs":[],"style":"h3"},{"_key":"e295c312435d","_type":"block","children":[{"_key":"ef70c1df0055","_type":"span","marks":[],"text":"Finally, while many ETFs are passive by design, that doesn’t mean they’re completely safe or immune to market crashes. If the market an ETF tracks drops, so will your investment. You’re accepting market returns – for better or worse. ETFs are a great foundation, but they’re not a silver bullet for investment success."}],"markDefs":[],"style":"normal"},{"_key":"95b1fcdbdfe9","_type":"block","children":[{"_key":"5f0da20db839","_type":"span","marks":[],"text":""},{"_key":"764983d86d97","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"81e7b973b1d5","_type":"span","marks":[],"text":"Top questions on ETFs"}],"markDefs":[],"style":"h2"},{"_key":"a181b5533fdb","_type":"block","children":[{"_key":"e98d4b06806c","_type":"span","marks":[],"text":""},{"_key":"a6126a3aa223","_type":"mainAnchor","pageAnchor":{"_ref":"9f5319b0-7128-4672-9d72-529aa7f21814","_type":"reference"}},{"_key":"64cb416ca8380","_type":"span","marks":[],"text":"How much do ETFs cost?"}],"markDefs":[],"style":"h3"},{"_key":"fc122a15382d","_type":"block","children":[{"_key":"7884beb22fb0","_type":"span","marks":[],"text":"ETFs trade on stock exchanges just like individual shares, which means you buy and sell them on online investment platforms. You will often be charged a commission on each buy or sell transaction."}],"markDefs":[],"style":"normal"},{"_key":"c502aabc7234","_type":"block","children":[{"_key":"dadf564d0a4b","_type":"span","marks":[],"text":"ETFs themselves usually have an annual "},{"_key":"1443cc198b51","_type":"span","marks":["89cfe4ee3312"],"text":"management fee"},{"_key":"0156aa55050c","_type":"span","marks":[],"text":", which is typically quite low - especially for large, well-known ETFs that track broad indices. However, more niche ETFs may charge slightly higher fees due to their specific focus. "}],"markDefs":[{"_key":"89cfe4ee3312","_type":"glossaryPick","reference":{"_ref":"639ead5f-b190-4b44-bc4f-805ab4d8fcf4","_type":"reference"}}],"style":"normal"},{"_key":"481a8c10a10d","_type":"block","children":[{"_key":"8658e29d1d86","_type":"span","marks":[],"text":"Another cost to consider is the "},{"_key":"253b1edbd313","_type":"span","marks":["7f92891a603e"],"text":"bid-ask spread"},{"_key":"8f784cbe584c","_type":"span","marks":[],"text":", which is the difference between the price at which a platform is willing to buy and sell the ETF – this is similar to a "},{"_key":"1ea37f15d05e","_type":"span","marks":["76b31858e487"],"text":"currency exchange"},{"_key":"45faed2a72af","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"7f92891a603e","_type":"glossaryPick","reference":{"_ref":"acfdf9ca-55f2-4ccd-8aee-3201a6153b7b","_type":"reference"}},{"_key":"76b31858e487","_type":"glossaryPick","reference":{"_ref":"c45b581e-8764-40ef-8780-ef02845ed5fc","_type":"reference"}}],"style":"normal"},{"_key":"7104cc654d2a","_type":"block","children":[{"_key":"a069bc4adb27","_type":"span","marks":[],"text":"In terms of "},{"_key":"2d94f54238dd","_type":"span","marks":["7648f8a791df"],"text":"transaction fees"},{"_key":"182bc4de1ace","_type":"span","marks":[],"text":", they will range from being free up to  £11.95 per trade depending on the platform you are investing on. If you’re making regular contributions to your ETF, these costs can add up over time, so it’s essential to keep an eye on fees - especially if you’re investing small amounts frequently."}],"markDefs":[{"_key":"7648f8a791df","_type":"glossaryPick","reference":{"_ref":"af4eb285-d6ee-484f-89ac-d776bbfcb0c5","_type":"reference"}}],"style":"normal"},{"_key":"6975d7bc829f","_type":"block","children":[{"_key":"2f25377ef185","_type":"span","marks":[],"text":""},{"_key":"743052052ddb","_type":"mainAnchor","pageAnchor":{"_ref":"043c4d3a-e208-4710-92d6-2a77330c0be0","_type":"reference"}},{"_key":"5f24a98b7aba","_type":"span","marks":[],"text":"What is the difference between active vs passive ETFs?"}],"markDefs":[],"style":"h3"},{"_key":"5ffb267e0781","_type":"block","children":[{"_key":"448eeaa2ffc5","_type":"span","marks":["strong"],"text":"Passive ETFs track a market index at a low, flat cost, while active ETFs are run by a fund manager trying to beat that index - usually for a higher fee."}],"markDefs":[],"style":"normal"},{"_key":"71cf2ab6ddd4","_type":"mainImage","asset":{"_ref":"image-7ca3e9317480168a1de35cfa1a4a9b3f6249f78e-1920x1080-png","_type":"reference"},"blankAltTag":true},{"_key":"397cdc9d2c24","_type":"block","children":[{"_key":"afae1c0135fa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ef4fc8c4ec3","_type":"block","children":[{"_key":"80803ed8ed2d","_type":"span","marks":[],"text":"The active vs passive debate is central to investing in ETFs. "}],"markDefs":[],"style":"normal"},{"_key":"fcc7ca1029b0","_type":"block","children":[{"_key":"d36caa331723","_type":"span","marks":[],"text":"A passive ETF tracks an index and aims to mirror its performance. This type of fund is cost-effective because there’s no need for an active fund manager to make investment decisions. While you won’t outperform the market, you’ll capture its returns at a low cost. Passive ETFs are great for investors who prefer a hands-off approach, and they provide broad exposure to various markets. However, you may end up owning companies or sectors that are underperforming."}],"markDefs":[],"style":"normal"},{"_key":"39b56cc28e27","_type":"block","children":[{"_key":"45bf65d5b435","_type":"span","marks":[],"text":"On the other hand, active ETFs involve fund managers selecting stocks with the goal of outperforming the index. These ETFs typically come with higher fees, as you're paying for the expertise of the manager. However, they could deliver higher returns if the manager makes smart picks. One thing to note: active managers often closely track the index to reduce risk, meaning their performance may not actually differ much from a passive strategy."}],"markDefs":[],"style":"normal"},{"_key":"3919761790f3","_type":"block","children":[{"_key":"6802e895452b","_type":"span","marks":[],"text":"If you're drawn to"},{"_key":"1222aa85e45a","_type":"span","marks":["df5690228e1c"],"text":" sustainable investing"},{"_key":"86b8927a6d8d","_type":"span","marks":[],"text":", active managers often have more flexibility to incorporate "},{"_key":"3487e95a3dc6","_type":"span","marks":["eae5e5481ca8"],"text":"environmental, social, and governance (ESG) "},{"_key":"8eba70cf1f85","_type":"span","marks":[],"text":"criteria into their investment decisions. So active ETFs may be a better option for investors who want to tailor their portfolios to specific values."}],"markDefs":[{"_key":"df5690228e1c","_type":"internalLinkPick","reference":{"_ref":"2635d13e-e79d-414d-80f5-86b565565227","_type":"reference"}},{"_key":"eae5e5481ca8","_type":"glossaryPick","reference":{"_ref":"a7d1841d-cfd3-4151-93ce-43daaf05f1e6","_type":"reference"}}],"style":"normal"},{"_key":"5626169115c5","_type":"block","children":[{"_key":"6d9656e55dae","_type":"span","marks":[],"text":""},{"_key":"9434f621ede7","_type":"mainAnchor","pageAnchor":{"_ref":"9d6b3b86-20cb-42ed-be57-39b5c31ebac1","_type":"reference"}},{"_key":"21b7ecc92cd4","_type":"span","marks":[],"text":"Why does an ETF price sometimes differ from its NAV?"}],"markDefs":[],"style":"h3"},{"_key":"d5d4edcd0940","_type":"block","children":[{"_key":"d2402a0b39b2","_type":"span","marks":["strong"],"text":"An ETF's market price can trade above or below its Net Asset Value (NAV) depending on investor demand, though this gap is usually small for large, popular funds."}],"markDefs":[],"style":"normal"},{"_key":"df30e052414b","_type":"block","children":[{"_key":"6671df8b4f7a","_type":"span","marks":[],"text":"An important thing to understand when investing in ETFs is that their market price doesn’t always match their"},{"_key":"c70a6f382360","_type":"span","marks":["bc65bd6db096"],"text":" Net Asset Value (NAV)"},{"_key":"a651f663bd20","_type":"span","marks":[],"text":". "}],"markDefs":[{"_key":"bc65bd6db096","_type":"glossaryPick","reference":{"_ref":"fed61c02-3002-4768-9374-16377d6a555f","_type":"reference"}}],"style":"normal"},{"_key":"796eb49b3bd8","_type":"block","children":[{"_key":"fcf3345e3510","_type":"span","marks":[],"text":"ETFs trade on the stock exchange, so their prices are influenced by supply and demand – just like individual stocks. Ideally, the market price should reflect the NAV, but it doesn’t always happen. If there’s high demand for a particular ETF, its market price can trade at a premium (higher) to the NAV, and if there’s little interest, it can trade at a discount (lower)."}],"markDefs":[],"style":"normal"},{"_key":"01a9ae08d825","_type":"block","children":[{"_key":"05bfc6a06892","_type":"span","marks":[],"text":"This discrepancy is more common with niche or less "},{"_key":"dde4c707f5fd","_type":"span","marks":["6b0f00e2d964"],"text":"liquid"},{"_key":"74733ca41f02","_type":"span","marks":[],"text":" ETFs (such as real estate), as larger, more popular ETFs with high trading volumes tend to stay closer to their NAV. It's just something to watch out for, particularly if you’re investing in less-established sectors or thematic ETFs."}],"markDefs":[{"_key":"6b0f00e2d964","_type":"glossaryPick","reference":{"_ref":"695ac26e-f82d-442b-842b-88d99f69cd38","_type":"reference"}}],"style":"normal"},{"_key":"0ee2fe4427aa","_type":"block","children":[{"_key":"fd91f9506b31","_type":"span","marks":[],"text":""},{"_key":"1c4d3da0a2d3","_type":"mainAnchor","pageAnchor":{"_ref":"33d7a3c3-9d61-4c73-a2f7-c973a32550ec","_type":"reference"}},{"_key":"05068f1158a6","_type":"span","marks":[],"text":"What's the difference between ETFs, ETCs, and ETNs?"}],"markDefs":[],"style":"h3"},{"_key":"68a33742e829","_type":"block","children":[{"_key":"cd73af9203b9","_type":"span","marks":["strong"],"text":"ETFs own the underlying assets and carry the lowest risk, ETCs track commodities like gold or oil, and ETNs are unsecured debt notes carrying the highest risk."}],"markDefs":[],"style":"normal"},{"_key":"48b4b698e98f","_type":"block","children":[{"_key":"c0296ae51b8f","_type":"span","marks":[],"text":"You may see different acronyms that are associated with the better-known acronym ETF. While ETFs are the most prevalent type of exchange-traded investment, they constitute one segment within the broader Exchange-Traded Products (ETPs) category. The key difference between these vehicles is in their structure and risk profile, with ETFs generally having the lowest risk (as they own the assets), and ETNs having the highest risk (as they're debt instruments dependent on the issuer's creditworthiness)."}],"markDefs":[],"style":"normal"},{"_key":"012f2bc4cd37","_type":"block","children":[{"_key":"4eae172b1e78","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e52d2023a247","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"c8068b830d40","_type":"block","children":[{"_key":"1229b85f0a2f","_type":"span","marks":["strong"],"text":"ETP (Exchange-Traded Product)"},{"_key":"08a2130944e7","_type":"span","marks":[],"text":" - The umbrella term that encompasses all these investment vehicles. Under ETPs, we have three main categories:"}],"markDefs":[],"style":"normal"},{"_key":"2d19b853c54a","_type":"block","children":[{"_key":"9006d5cec5fc","_type":"span","marks":["strong"],"text":"ETF (Exchange-Traded Fund)"},{"_key":"51e75b0db4e6","_type":"span","marks":[],"text":" - Owns the underlying assets, structured as funds with typically lower risk."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"aac15e73eddb","_type":"block","children":[{"_key":"51bb083addf3","_type":"span","marks":["strong"],"text":"ETC (Exchange-Traded Commodity)"},{"_key":"16cde2559f35","_type":"span","marks":[],"text":" - Specifically tracks commodities like metals, energy, or agricultural products."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"64996ee526e7","_type":"block","children":[{"_key":"c17c7be2ba54","_type":"span","marks":["strong"],"text":"ETN (Exchange-Traded Note)"},{"_key":"d5a5770567dd","_type":"span","marks":[],"text":" - Unsecured debt securities that don't own assets but promise to match index returns."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"c96e1576d467","_type":"block","children":[{"_key":"6284f539b6c3","_type":"span","marks":[],"text":""},{"_key":"626039451657","_type":"mainAnchor","pageAnchor":{"_ref":"957565b7-0e48-493b-b2c8-f9c293e8527a","_type":"reference"}},{"_key":"7e555a475dfb","_type":"span","marks":[],"text":"What are the most popular ETFs in 2026?"}],"markDefs":[],"style":"h3"},{"_key":"50e1dcc85dba","_type":"block","children":[{"_key":"7ef8485bb4a6","_type":"span","marks":[],"text":"Curious where other investors are putting their money right now? Each month, we go straight to the source - top UK platforms like AJ Bell, Fidelity, Hargreaves Lansdown and interactive investor - to find out which ETFs are trending."}],"markDefs":[],"style":"normal"},{"_key":"32f226649c67","_type":"block","children":[{"_key":"f10106dc09d9","_type":"span","marks":[],"text":"Whether you're after inspiration, reassurance, or just a nosey peek at the crowd favourites, our regularly updated list reveals which ETFs are winning the popularity contest. Click below to see the latest chart-toppers and discover the ETFs investors are backing this month."}],"markDefs":[],"style":"normal"},{"_key":"c38e88e7be08","_type":"block","children":[{"_key":"51f495d30d43","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"8b7dea2bda41","_type":"block","children":[{"_key":"39be579df116","_type":"span","marks":["strong"],"text":"Best-selling funds, Investment Trusts and ETFs of the month"}],"markDefs":[],"style":"normal"}],"_key":"a75da29311c2","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"aadcd51e-3d7b-47ae-94da-4226f4f25ea8","_type":"reference"},"text":"CLICK HERE"},{"_key":"ae1f95cedf49","_type":"block","children":[{"_key":"d713808ae15c","_type":"span","marks":[],"text":""},{"_key":"f72f60c0983b","_type":"mainAnchor","pageAnchor":{"_ref":"34b1353a-e3e4-4949-a55d-dde0ba144f90","_type":"reference"}},{"_key":"cf7ed0bcf20e","_type":"span","marks":[],"text":"What are the key takeaways on ETFs?"}],"markDefs":[],"style":"h2"},{"_key":"198ddfc75049","_type":"block","children":[{"_key":"218f107231d4","_type":"span","marks":[],"text":"💰 Easy diversification at low cost"}],"markDefs":[],"style":"h3"},{"_key":"286377f939d8","_type":"block","children":[{"_key":"a2f9c6206de3","_type":"span","marks":[],"text":"ETFs are a simple way to diversify your portfolio without having to pick individual stocks. They offer broad market exposure (e.g., global or sector-specific indices) usually at a lower cost to actively managed funds, making them ideal for beginner investors looking to build a low-maintenance portfolio."}],"markDefs":[],"style":"normal"},{"_key":"02935918ca93","_type":"block","children":[{"_key":"04d0ba4ed0c9","_type":"span","marks":[],"text":"💭 Choose between active and passive "}],"markDefs":[],"style":"h3"},{"_key":"624b809b0419","_type":"block","children":[{"_key":"bb32e5b61ec7","_type":"span","marks":[],"text":"Deciding whether to invest in passive or active ETFs depends on your investment goals. Passive ETFs track a market index and typically have lower fees, while active ETFs are managed by professionals aiming to beat the market. 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This is where shares come in. They let us own a small slice of a company, so if they do well, so do we. And if they flop, we lose money."}],"markDefs":[],"style":"normal"},{"_key":"a0e51805f65c","_type":"block","children":[{"_key":"1d694591f0bd0","_type":"span","marks":[],"text":"Also known as stocks, or equities, shares exist to enable companies to raise money to fund their activity and growth. Individuals or companies buy shares, and give that company some money in return for ownership of a small piece of that business."}],"markDefs":[],"style":"normal"},{"_key":"059b41aceadf","_type":"block","children":[{"_key":"e2ce0bb15dbb0","_type":"span","marks":[],"text":"The thought process behind buying a share is no more complicated than what you see on Dragon's Den. You're the dragon trying to work out if you should invest in the company or not. But buying a single share can actually be a risky way to access the stock market. Why? Well, you're putting all your eggs in one basket."}],"markDefs":[],"style":"normal"},{"_key":"406e204d28d3","_type":"block","children":[{"_key":"8fe730591b110","_type":"span","marks":[],"text":"We spoke to a lady who was horrified that she bought M&S shares and they went down. \"I mean, it was M&S! They're really busy!\" Just because it's a big brand which looks safe and solid, doesn't necessarily mean they're making decent profits that year or tracking to plan. "}],"markDefs":[],"style":"normal"},{"_key":"a8166423face","_type":"block","children":[{"_key":"fb63eec8d60f","_type":"span","marks":[],"text":""},{"_key":"47a7d68d0f5b","_type":"mainAnchor","pageAnchor":{"_ref":"418e4e74-c858-4625-9d7a-8c06f7c6e4ad","_type":"reference"}},{"_key":"758bdfebe7ed","_type":"span","marks":[],"text":"Are shares right for me?"}],"markDefs":[],"style":"h2"},{"_key":"0deb8561d20a","_type":"block","children":[{"_key":"c181c818cb3f","_type":"span","marks":[],"text":"15% of UK adults own shares [1], but they're not the right sort of investment for everyone - especially if you're low on time or looking for an easy way to put your money behind several companies. Here's an overview of some of the main pros and cons of shares."}],"markDefs":[],"style":"normal"},{"_key":"db9f89042c3f","_type":"prosConsWidget","cons":["Want a global mix of investments ","Are time poor ","Will only choose 2 or 3!"],"consTitle":"Bad if you ","pros":["Actively follow the markets","Want to be in charge","Have time to dedicate to this "],"prosTitle":"Good if you "},{"_key":"c3a7ffeffbb7","_type":"block","children":[{"_key":"271a51c12db2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5b2ffecea1c4","_type":"block","children":[{"_key":"05c92c04fca2","_type":"span","marks":[],"text":""},{"_key":"4bc185b25eec","_type":"mainAnchor","pageAnchor":{"_ref":"126f92a2-61db-45bc-9444-4172007cc99b","_type":"reference"}},{"_key":"41d53cf47ed5","_type":"span","marks":[],"text":"Cash vs shares"}],"markDefs":[],"style":"h2"},{"_key":"bd1126eb98eb","_type":"block","children":[{"_key":"0612752e8969","_type":"span","marks":["strong"],"text":"If you had put £10,000 away in 2015, what would it be worth by the end of September 2025?"}],"markDefs":[]},{"_key":"a5368c85fe2c","_type":"block","children":[{"_key":"da32cdb4e3ce","_type":"span","marks":[],"text":"The graph below shows you a recent example of how cash has performed compared to stock market shares. For the purposes of this illustration, we've looked at the growth of a single £10,000 lump sum investment in cash and in two stock market indices: the "},{"_key":"c79b9014dcc5","_type":"span","marks":["4b175e3b60cd"],"text":"FTSE 100"},{"_key":"31e14e27f0b1","_type":"span","marks":[],"text":" and "},{"_key":"fa15bb1b35a8","_type":"span","marks":["ccbe1340ca9f"],"text":"MSCI World"},{"_key":"5e096fa1dd9d","_type":"span","marks":[],"text":" (you can read more about these below the image)."}],"markDefs":[{"_key":"4b175e3b60cd","_type":"glossaryPick","reference":{"_ref":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"reference"}},{"_key":"ccbe1340ca9f","_type":"glossaryPick","reference":{"_ref":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"reference"}}],"style":"normal"},{"_key":"a8cf71d02792","_type":"block","children":[{"_key":"d84597919bbd","_type":"span","marks":[],"text":"It's clear to see that leaving your money in cash (pink) led to significantly less growth over the period between 2015-2025 than if you had invested in stock markets. And although the British FTSE 100 Index (blue) didn't perform quite as well as MSCI World (green), it still climbed to £2,182 - compared to gains of just £1,180 from cash over the same time period. Of course, these numbers look measly compared to MSCI World's impressive £3,348 gain."}],"markDefs":[],"style":"normal"},{"_key":"eacbefb8908a","_type":"block","children":[{"_key":"7186a99d615e","_type":"span","marks":[],"text":"NB: The dip you can see after Q4 2019 reflects the start of the COVID-19 pandemic and subsequent global lockdowns."}],"markDefs":[],"style":"normal"},{"_key":"b33adb272cf6","_type":"frameWidget","href":"https://www.canva.com/design/DAG7OFE42_c/V25AjrWXM8szDDn7pZL9bg/view?embed"},{"_key":"9898bcddeff8","_type":"block","children":[{"_key":"2f05e2427ec8","_type":"span","marks":["em"],"text":"Source: FE FundInfo. "}],"markDefs":[],"style":"small"},{"_key":"906d1a3db60a","_type":"block","children":[{"_key":"b29deef19a8e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d745e25d9983","_type":"block","children":[{"_key":"d611edb2ae67","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"adb9f4083d5c","_type":"block","children":[{"_key":"22374dbfb4fe","_type":"span","marks":[],"text":""},{"_key":"c07bbbc35194","_type":"mainAnchor","pageAnchor":{"_ref":"223c3cb3-164a-4144-b7ec-60a049133752","_type":"reference"}},{"_key":"91a17272db40","_type":"span","marks":[],"text":"Will shares outperform cash in the next 10 years?"}],"markDefs":[],"style":"h2"},{"_key":"15bd2c48638c","_type":"block","children":[{"_key":"d367b10febfa","_type":"span","marks":[],"text":"Just like the weather, it's impossible to predict what the future holds. All we can do is show what has happened in the past. Shares are a bumpier ride than cash – and not a short-term thing. Anyone who says they can guarantee you'll make money is probably lying. There are risks. But research tells us that shares have done better than cash 9 times out of 10 over any 10 year period since the stock markets began."}],"markDefs":[],"style":"normal"},{"_key":"e51d6e72bf95","_type":"block","children":[{"_key":"9b843e253e7f0","_type":"span","marks":[],"text":"You buy and sell them on the stock market and, just like eBay, people make bids and offers. But it all happens super fast. Prices bounce up and down and at the end of the day it all comes down to sentiment – if loads of people want a slice of the action and these things are flavour of the month (think Nintendo after Pokemon Go), then prices rise as the sellers get a bit cockier. If people get turned off and the share in question is uncool, then everyone tries to offload them and the asking price falls."}],"markDefs":[],"style":"normal"},{"_key":"2c5c408f7745","_type":"block","children":[{"_key":"5517dd075cf1","_type":"span","marks":[],"text":"Curious about what's got investors' interest this week? Catch up with Holly's award-winning blog every Friday for the low-down on what's going on in stock markets, how it could impact your finances, and some no-nonsense food for thought to help you make better money choices."}],"markDefs":[],"style":"normal"},{"_key":"f73008bb0852","_type":"block","children":[{"_key":"1330f0821be2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2ce8804a8fc7","_type":"emailSignupWidget","brazeCustomAttributes":[{"_key":"8b471fe69932","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_blog","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/shares/"}],"emailSignupWidgetButtonText":"SIGN UP","image":{"_type":"mainImage","alt":"Image of Boring Money CEO Holly Mackay","asset":{"_ref":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png","_type":"reference"}},"paragraphText":"Sign up for no-nonsense tips, tricks and food for thought every Friday!","thankYouText":[{"_key":"ee1425e50c90","_type":"block","children":[{"_key":"03c4926a2d3f","_type":"span","marks":[],"text":"Thank you for signing up!"}],"markDefs":[],"style":"normal"}],"title":"Want to get Holly's weekly blog straight to your inbox?"},{"_key":"b2dea6276185","_type":"block","children":[{"_key":"023c64412ca5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"28d3689c637a","_type":"block","children":[{"_key":"76733dfbfc45","_type":"span","marks":[],"text":""},{"_key":"0a9998a15f58","_type":"mainAnchor","pageAnchor":{"_ref":"b51797d9-dc13-41da-a375-b898f0a9e850","_type":"reference"}},{"_key":"0c127d60e2f30","_type":"span","marks":[],"text":"How can I buy shares?"}],"markDefs":[],"style":"h2"},{"_key":"104c6e83ed38","_type":"block","children":[{"_key":"c60e50ec6f020","_type":"span","marks":[],"text":"Rather than going to companies directly and asking to buy a share of their business, we access shares through a central market otherwise known as the Stock Exchange. Companies will 'list' on the Stock Exchange, which means anyone can buy or sell a share."}],"markDefs":[],"style":"normal"},{"_key":"6b952a371b27","_type":"block","children":[{"_key":"c96caa808e100","_type":"span","marks":[],"text":"The Stock Exchange can be accessed through online investment platforms, many of which are beginner-friendly. These platforms allow you to purchase a small percentage of some of the world's largest companies - this ranges from BP to HSBC, Apple to Samsung, and Microsoft to British Airways."}],"markDefs":[],"style":"normal"},{"_key":"22300cbe9ed3","_type":"block","children":[{"_key":"7a5c50542b870","_type":"span","marks":[],"text":"You can either buy individual shares directly - through an online broker or an investment platform - or purchase a fund in order to get exposure to dozens of shares in one fell swoop. If you're new to investing and don't know where to start, check out our hand-selected Best For Beginners award winners to see which providers we think are the best starting point."}],"markDefs":[],"style":"normal"},{"_key":"6edb4bdd89cb","_type":"block","children":[{"_key":"b8900097f7ce","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best For Beginners award winners "}],"markDefs":[],"style":"normal"}],"_key":"61821a40134b","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"b5821c35-fa71-43c3-8f89-cc7b29ad9030","_type":"reference"},"text":"CLICK HERE"},{"_key":"adc43eba0539","_type":"block","children":[{"_key":"fa3bf0ee3f7a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ea21677253e9","_type":"block","children":[{"_key":"67c0573a3e1a","_type":"span","marks":[],"text":""},{"_key":"d6fc0adcefb5","_type":"mainAnchor","pageAnchor":{"_ref":"81ce9ca2-c137-4518-a387-0704343a7403","_type":"reference"}},{"_key":"a3c5345fe75c0","_type":"span","marks":[],"text":"Buying bulk shares through a fund"}],"markDefs":[],"style":"h3"},{"_key":"e398386f79e3","_type":"block","children":[{"_key":"87b61ebbd9e70","_type":"span","marks":[],"text":"The concept of buying shares through a "},{"_key":"5d2b30ca7f3e","_type":"span","marks":["69d28fa112e1"],"text":"fund"},{"_key":"b1c54b0016d7","_type":"span","marks":[],"text":" is similar to buying a mixed case of wine. You don't have time to pick individual bottles, or you don't want the responsibility of choosing the best, so you let it be done for you. You're outsourcing the selection of individual components to someone else."}],"markDefs":[{"_key":"69d28fa112e1","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"338dc4e1da41","_type":"block","children":[{"_key":"a6c6dd0980fc0","_type":"span","marks":[],"text":"A single fund will usually house around 30-60 shares. Whilst someone else may have invested £1,000 into an individual share, a very small percentage of your £1,000 may be invested in the same company. If that business then takes a hit, you won't be so badly affected - the majority of your money is invested elsewhere. Basically, you are spreading your bets for security."}],"markDefs":[],"style":"normal"},{"_key":"ed31383984b8","_type":"block","children":[{"_key":"db372dca686d0","_type":"span","marks":[],"text":"When investing through a fund, you are unlikely to have to pay trading or transaction fees. You will, however, encounter management fees throughout the duration of your investment. If you want to buy a few shares or a fund, then it's usually best to open up an account online and use your annual tax-free "},{"_key":"299e331da67d","_type":"span","marks":["3b82ca551e01"],"text":"ISA"},{"_key":"3e0755bd3239","_type":"span","marks":[],"text":" allowance if you can."}],"markDefs":[{"_key":"3b82ca551e01","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"},{"_key":"84839ede04c6","_type":"block","children":[{"_key":"3f2cb72aaf06","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best Buy ISAs for your investing needs"}],"markDefs":[],"style":"normal"}],"_key":"ac4d4573cacf","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"5027ed98-4e53-4e94-8fc1-9d370b15dd5c","_type":"reference"},"text":"CLICK HERE"},{"_key":"92e08f9b828e","_type":"block","children":[{"_key":"d1d42ee1879b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dc479e2b8db6","_type":"block","children":[{"_key":"7222f974db16","_type":"span","marks":[],"text":""},{"_key":"399f39b611a8","_type":"mainAnchor","pageAnchor":{"_ref":"bd7d91db-0143-49c9-b079-df3872327a31","_type":"reference"}},{"_key":"a6579f69575f0","_type":"span","marks":[],"text":"Buying individual shares directly"}],"markDefs":[],"style":"h3"},{"_key":"b3155957d51f","_type":"block","children":[{"_key":"a1c8070511b00","_type":"span","marks":[],"text":"When buying individual shares directly, you will encounter trading costs. You will typically encounter about £10 a pop, and 0.5% stamp duty to the government. This can accumulate to become an expensive way of buying small shares. The upside is that after initial purchase, you will not have to pay management fees as you would have with a fund - there's nothing to manage."}],"markDefs":[],"style":"normal"},{"_key":"19188e074c4d","_type":"block","children":[{"_key":"3edc6186140b0","_type":"span","marks":[],"text":"Buying a couple of individual shares is a risky way to get exposure to the markets - especially for less experienced investors. You have all of your investment tied into one or two businesses. If it goes badly for them, you're in trouble."}],"markDefs":[],"style":"normal"},{"_key":"c1ea16d293cf","_type":"block","children":[{"_key":"a0d9ca4cc8680","_type":"span","marks":[],"text":"This method is good for people who like to take an interest in the market, are time-rich, and confident to make decisions themselves. Shares are not so good if you are busy, don’t feel expert in this subject, or will only pick shares in companies you know and love."}],"markDefs":[],"style":"normal"},{"_key":"14b7bafe231d","_type":"block","children":[{"_key":"784213c5029c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best For Share Traders award winners"}],"markDefs":[],"style":"normal"}],"_key":"9141a0d45cf4","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"2d69df37-02bf-43eb-aed4-2624da81fbf6","_type":"reference"},"text":"CLICK HERE"},{"_key":"3135ea061a1a","_type":"block","children":[{"_key":"2d049f7f9571","_type":"span","marks":[],"text":"------"}],"markDefs":[],"style":"normal"},{"_key":"e4ce4c0148b1","_type":"block","children":[{"_key":"03f7ad822c7e","_type":"span","marks":[],"text":"[1] Online Investing Report, "},{"_key":"ec4be879d4a9","_type":"span","marks":["8cee69180130"],"text":"Boring Money "}],"markDefs":[{"_key":"8cee69180130","_type":"internalLinkPick","reference":{"_ref":"63b42a1b-dc9a-40bb-8a62-f580487de19e","_type":"reference"}}],"style":"normal"}],"categories":[{"_key":"171e98dc55ea","_ref":"9338f25b-7551-48c3-afff-03e9bc5608c3","_type":"reference"},{"_key":"912294bd8e37","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"0551e4791b33","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"},{"_key":"1287b6c4ce2e","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"excerpt":[{"_key":"947232828c12","_type":"block","children":[{"_key":"dd7bb8ce2ec7","_type":"span","marks":[],"text":"Shares simply let us own a small slice of a company. If they do well, so do we. If they flop, we lose money. 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Lend your money to a government or company, and you'll get regular interest payments plus your capital back at the end. Here's how bonds work, which types suit which investors, and where you can buy them on a UK platform in 2026."}],"markDefs":[],"style":"normal"},{"_key":"a0331d072765","_type":"mainVideo","url":"https://vimeo.com/1210167755?share=copy&fl=sv&fe=ci"},{"_key":"c58d36a4c147","_type":"block","children":[{"_key":"49b3a7eeedca","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f8b9f67e9cdb","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Bonds are loans to a government or company  They pay out regular interest payments  You get your initial investment back at the end of the loan term  You can buy and sell bonds on the stock market  They’re typically considered a lower risk type of investment"},"text":[{"_key":"e9d2f609e332","_type":"block","children":[{"_key":"55402732d608","_type":"span","marks":[],"text":"🥜In a nutshell"}],"markDefs":[],"style":"h4"},{"_key":"90b8406cd23c","_type":"block","children":[{"_key":"16b4bc5e4266","_type":"span","marks":[],"text":"Bonds are basically loans we make to a government or company"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1c788804cc9b","_type":"block","children":[{"_key":"7a4e2cb2d62a","_type":"span","marks":[],"text":"They pay out regular interest payments"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f98194689135","_type":"block","children":[{"_key":"2814afda9c86","_type":"span","marks":[],"text":"The value of the bond goes up and down"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ed5682aad208","_type":"block","children":[{"_key":"2946d7612fad","_type":"span","marks":[],"text":"UK government bonds are called ‘gilts’ and are largely tax-free for most investors"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7d58ed5946ec","_type":"block","children":[{"_key":"3fad1ba424fe","_type":"span","marks":[],"text":"You can buy and sell bonds on the stock market"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c7ce935aad7e","_type":"block","children":[{"_key":"f3d3225a459b","_type":"span","marks":[],"text":"They’re typically considered a lower-risk type of investment than shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"a5898c1fbd34","_type":"block","children":[{"_key":"e6ab8ba99ac0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"96ac0f65ce2a","_type":"block","children":[{"_key":"53400c3f58bc","_type":"span","marks":[],"text":""},{"_key":"37864ea28904","_type":"mainAnchor","pageAnchor":{"_ref":"dfe27455-bfae-4948-b858-040213000740","_type":"reference"}},{"_key":"3ffe180b5c08","_type":"span","marks":[],"text":"What is a bond?"}],"markDefs":[],"style":"h2"},{"_key":"bd662a56936b","_type":"block","children":[{"_key":"3edd8d78acdf","_type":"span","marks":["strong"],"text":"A bond is essentially an "},{"_key":"1435efd6a2c2","_type":"span","marks":["strong","9d2e692ea03c"],"text":"IOU"},{"_key":"37e305aecb2b","_type":"span","marks":["strong"],"text":". You lend money to a government or company for a set period, and in return they pay you regular interest (called a coupon) plus your original amount back when the bond matures. It's a way to earn a predictable income without the ups and downs of the stock market."}],"markDefs":[{"_key":"9d2e692ea03c","_type":"glossaryPick","reference":{"_ref":"d4ff67ec-a996-4f2b-b24e-cf8dfda57f3e","_type":"reference"}}],"style":"normal"},{"_key":"dcfde07f8f11","_type":"block","children":[{"_key":"e6ab8ba99ac0","_type":"span","marks":[],"text":"Put simply, bonds are a form of loan issued by a business or a government. When you buy a bond (or a piece of the bond), you’re lending your money to this “issuer”. In exchange, the issuer promises to pay the bondholder (that’s you) a fixed interest payment at regular intervals until the loan matures (when you will get back a known amount which is the ‘face value’)."}],"markDefs":[],"style":"normal"},{"_key":"46e4551e07ca","_type":"block","children":[{"_key":"8e9517773203","_type":"span","marks":[],"text":"Think of bonds like an investment which pays a regular ‘"},{"_key":"958c94e96c80","_type":"span","marks":["1b6a360ceeae"],"text":"interest rate"},{"_key":"ab75816e7077","_type":"span","marks":[],"text":"’ for as long as you hold it, as well as giving you the chance to make a profit on the money you invest. Unlike stocks, which can fluctuate in value rapidly, bonds will typically offer a relatively ‘predictable’ income stream, making them a good option for more risk-averse investors seeking stability."}],"markDefs":[{"_key":"1b6a360ceeae","_type":"glossaryPick","reference":{"_ref":"7a12b162-9c66-48e7-90c1-293196d523bb","_type":"reference"}}],"style":"normal"},{"_key":"84de67b46e34","_type":"block","children":[{"_key":"3a75273af740","_type":"span","marks":[],"text":"The volatility of a bond price depends on who you are loaning the money to. If it’s the UK government, it’s typically a sedate and predictable journey. If it’s a mining company in Latin America, you should prepare for a much more volatile journey."}],"markDefs":[],"style":"normal"},{"_key":"41c6b2f45440","_type":"block","children":[{"_key":"b05c24e742b6","_type":"span","marks":[],"text":"This is why government bonds typically make up a large proportion of "},{"_key":"ea2988dbef8f","_type":"span","marks":["3e2029c9e95c"],"text":"pension "},{"_key":"f80b0f1d5a22","_type":"span","marks":[],"text":"funds, particularly for those who are closer to retirement age and thus need their pension to be invested in lower-risk products."}],"markDefs":[{"_key":"3e2029c9e95c","_type":"internalLinkPick","blank":true,"reference":{"_ref":"261e00e8-bd4f-457d-a27c-1e64c098b1bb","_type":"reference"}}],"style":"normal"},{"_key":"d6614f8bba0b","_type":"block","children":[{"_key":"872c6cbfe99d","_type":"span","marks":[],"text":""},{"_key":"003b1400dbd3","_type":"mainAnchor","pageAnchor":{"_ref":"7143fd03-16f0-4229-a431-82283be9b288","_type":"reference"}},{"_key":"f1224b170f560","_type":"span","marks":[],"text":"How do bonds work?"}],"markDefs":[],"style":"h2"},{"_key":"1f6075328eb2","_type":"block","children":[{"_key":"d5e18a3765ce","_type":"span","marks":["strong"],"text":"Every bond fixes a maturity date, coupon and denomination upfront. The coupon's real value, the yield, depends on the issuer's creditworthiness and moves inversely to price, sometimes creating a tax-free gain. Bonds then trade like shares, via platforms, funds or trusts, across types like gilts and Treasuries."}],"markDefs":[],"style":"normal"},{"_key":"2f3e330d3372","_type":"block","children":[{"_key":"96bcdb4d8383","_type":"span","marks":[],"text":""},{"_key":"acb2391f7114","_type":"mainAnchor","pageAnchor":{"_ref":"ae0ce2cd-ee6c-4b2d-9caf-6ecaa338dfb6","_type":"reference"}},{"_key":"40091b6993f40","_type":"span","marks":[],"text":"Who issues a bond?"}],"markDefs":[],"style":"h3"},{"_key":"565d809b383b","_type":"block","children":[{"_key":"db75d5da7276","_type":"span","marks":[],"text":"When a government or a business decides it needs to raise money, one of the avenues it might take is to issue a bond. The bond specifies the “maturity” date (when the loan is repaid), the “coupon” ("},{"_key":"cbcc5d4c4f6b","_type":"span","marks":["e8099295cbf8"],"text":"interest rate"},{"_key":"2259a55d0423","_type":"span","marks":[],"text":") paid periodically, and the “denomination” (face value) of the bond."}],"markDefs":[{"_key":"e8099295cbf8","_type":"glossaryPick","reference":{"_ref":"7a12b162-9c66-48e7-90c1-293196d523bb","_type":"reference"}}],"style":"normal"},{"_key":"38457353d605","_type":"block","children":[{"_key":"5c46a1e31e90","_type":"span","marks":[],"text":""},{"_key":"5b0c3697fae8","_type":"mainAnchor","pageAnchor":{"_ref":"a7cac4b7-a55c-4d8c-b076-8219b497fffe","_type":"reference"}},{"_key":"f002b0d984350","_type":"span","marks":[],"text":"How do bonds pay interest?"}],"markDefs":[],"style":"h3"},{"_key":"7d966bfb9662","_type":"block","children":[{"_key":"37dae7ca5e6c","_type":"span","marks":[],"text":"The exact monetary value of the coupon you receive from a bond is called the “"},{"_key":"ea51ec8a6164","_type":"span","marks":["d12e7fe927d7"],"text":"yield"},{"_key":"8998d4af5b3f","_type":"span","marks":[],"text":"” and typically correlates to how risky the loan is determined to be."}],"markDefs":[{"_key":"d12e7fe927d7","_type":"glossaryPick","reference":{"_ref":"438a50f5-1ecf-44e8-b0c2-44f65ee10ec9","_type":"reference"}}],"style":"normal"},{"_key":"91d66d962184","_type":"block","children":[{"_key":"1df18ea7fc91","_type":"span","marks":[],"text":"Let’s imagine someone wanted to borrow a grand from you. How much would you want in return for making that loan? It depends how reliable or trustworthy they are. How risky it is, as well as how long they want to borrow it for. In other words, how “creditworthy” they seem to you."}],"markDefs":[],"style":"normal"},{"_key":"5388a9ac1b0e","_type":"block","children":[{"_key":"cf5870d6f45b","_type":"span","marks":[],"text":"The same principles apply in the world of bonds. If we lend money to the UK government, for example, you might have more faith that they will keep up with their interest payments and repay you in full than if you lent money to a copper producer in the Democratic Republic of Congo. So a UK government bond would typically pay lower interest than the “riskier” copper producer one, for example."}],"markDefs":[],"style":"normal"},{"_key":"71d4560d2d56","_type":"block","children":[{"_key":"457db07707e3","_type":"span","marks":[],"text":"This is why government bonds (often called “gilts” if they're issued by the UK government or \"Treasuries\" if they're issued by the US government) usually pay less (or have a lower yield) than various corporate bonds – in return for giving you a less hernia-inducing path."}],"markDefs":[],"style":"normal"},{"_key":"f619482b3fbf","_type":"block","children":[{"_key":"4a4abac90009","_type":"span","marks":[],"text":"Bond yields move inversely to bond prices. That is, the lower the yield (or ‘interest’ paid) , the higher the price of the bond is. Let’s walk through an actual example to explain how this all works."}],"markDefs":[],"style":"normal"},{"_key":"20b16b0c1152","_type":"block","children":[{"_key":"9f79cc0082e3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a28d95e21455","_type":"textboxWidget","text":[{"_key":"8599fdf492a4","_type":"block","children":[{"_key":"4da4917d5205","_type":"span","marks":[],"text":"Let's assume a bond issued by the UK government (so, a ‘gilt’). Let's also assume it would cost 97.26p to buy. The bond is called Treasury 0.125% 30/01/2026. This means it pays investors an ‘interest rate’, or ‘coupon’, of 0.125%. "}],"markDefs":[],"style":"normal"},{"_key":"f54c13e08686","_type":"block","children":[{"_key":"a9bc4738b626","_type":"span","marks":[],"text":"However, people will mostly buy this for the increase in value, rather than the interest paid."}],"markDefs":[],"style":"normal"},{"_key":"63059e105655","_type":"block","children":[{"_key":"31a5a3e313f7","_type":"span","marks":[],"text":"We know that it will mature on the 30th January in 2026. For its ‘face value’ of 100p. Or £1. So we know for certain that we can spend 97.26p today and get back £1 at the end of January 2026. "}],"markDefs":[],"style":"normal"},{"_key":"952bca830e4b","_type":"block","children":[{"_key":"66fc8064d680","_type":"span","marks":[],"text":"In other words, you will make 2.74p for every 97.26p you invest, over the period in question. And because this gain is a capital gain and not interest, and because it is held in a government bond, that gain is tax-free. "}],"markDefs":[],"style":"normal"},{"_key":"5f3464315ceb","_type":"block","children":[{"_key":"eeab95d5b301","_type":"span","marks":[],"text":"This largely explains the growth in popularity of these bonds – as the tax take in the UK increases, and tax paid on interest goes up, they are a great way for higher rate taxpayers to get a relatively secure return, which is tax-free. "}],"markDefs":[],"style":"normal"},{"_key":"143bb8ec0e80","_type":"block","children":[{"_key":"0eeece876375","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Example:"},{"_key":"52ccd9cc7373","_type":"block","children":[{"_key":"00eb7eca2b96","_type":"span","marks":[],"text":""},{"_key":"72ac8f8e1ca2","_type":"mainAnchor","pageAnchor":{"_ref":"16faf849-274d-403a-b511-cf225e816d79","_type":"reference"}},{"_key":"187af134969b0","_type":"span","marks":[],"text":"How are bonds traded?"}],"markDefs":[],"style":"h3"},{"_key":"cfe82fd2d556","_type":"block","children":[{"_key":"83e5c781999e","_type":"span","marks":[],"text":"Initially, bonds will be offered to institutional investors (like banks or pension funds). When this process is complete, bonds can also be traded on the “secondary market”, where investors trade between themselves on the stock market like you can with ordinary shares. There will be a quoted price that will change throughout the day."}],"markDefs":[],"style":"normal"},{"_key":"c5da9e7fce93","_type":"block","children":[{"_key":"005c4140c0cb","_type":"span","marks":[],"text":"Investors can invest in bonds either directly or via other products which have bonds "},{"_key":"c8eefb4086c3","_type":"span","marks":["em"],"text":"in"},{"_key":"e938ff652d90","_type":"span","marks":[],"text":" them - such as multi-asset "},{"_key":"7e44d8d4eba1","_type":"span","marks":["fc7a25720353"],"text":"funds"},{"_key":"4c7c11c26b2d","_type":"span","marks":[],"text":", "},{"_key":"1bd18a481129","_type":"span","marks":["a00ce8f500dc"],"text":"ETFs"},{"_key":"46bcdb172323","_type":"span","marks":[],"text":" or"},{"_key":"922e97485ae8","_type":"span","marks":["aeb36fcf4623"],"text":" investment trusts"},{"_key":"0369c7eaf692","_type":"span","marks":[],"text":".  Bonds can play an important role in creating a diversified investment portfolio, which essentially means you invest in lots of different things in different proportion (not putting all your eggs in one basket is another way of looking at it!)."}],"markDefs":[{"_key":"fc7a25720353","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}},{"_key":"a00ce8f500dc","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}},{"_key":"aeb36fcf4623","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}}],"style":"normal"},{"_key":"8d973bcf2a1e","_type":"block","children":[{"_key":"2ec1aede89ab","_type":"span","marks":[],"text":"Many leading investment platforms such as "},{"_key":"eee0df919504","_type":"span","marks":["359cabde0d3c"],"text":"Hargreaves Lansdown"},{"_key":"809b677f8b82","_type":"span","marks":[],"text":", "},{"_key":"409e9d18bd45","_type":"span","marks":["457c15a8eac2"],"text":"AJ Bell "},{"_key":"a8416a475e6a","_type":"span","marks":[],"text":"and "},{"_key":"7fcdea77d655","_type":"span","marks":["abe234734263"],"text":"interactive investor"},{"_key":"1f5b49f77d32","_type":"span","marks":[],"text":" now let retail customers buy bonds just like you would with shares."}],"markDefs":[{"_key":"359cabde0d3c","_type":"internalLinkPick","reference":{"_ref":"7ca22c2a-5a22-4997-9cfb-3c0c6ad85a27","_type":"reference"}},{"_key":"457c15a8eac2","_type":"internalLinkPick","reference":{"_ref":"1dbcb796-5201-4542-a5fd-e9d2d02257e5","_type":"reference"}},{"_key":"abe234734263","_type":"internalLinkPick","reference":{"_ref":"22d041fa-4595-43c0-9055-7853b8b849f0","_type":"reference"}}],"style":"normal"},{"_key":"b42b778e35aa","_type":"block","children":[{"_key":"368f17d472ac","_type":"span","marks":[],"text":""},{"_key":"47b1a1da4f33","_type":"mainAnchor","pageAnchor":{"_ref":"3932d4f6-6124-4715-99d1-7bc659807fc4","_type":"reference"}},{"_key":"d404685b4df80","_type":"span","marks":[],"text":"What types of bonds can I invest in?"}],"markDefs":[],"style":"h3"},{"_key":"754b01a0bb86","_type":"textboxWidget","text":[{"_key":"2c41dceddeab","_type":"block","children":[{"_key":"dfdfd3a8c947","_type":"span","marks":["strong"],"text":"Corporate bonds"},{"_key":"fb4873397cad","_type":"span","marks":[],"text":" – bonds issued by companies. The yield on corporate bonds can depend on how creditworthy the issuer is deemed to be."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1ae2c651010c","_type":"block","children":[{"_key":"b2cf653912e6","_type":"span","marks":["strong"],"text":"Junk bonds"},{"_key":"de963fb49c1a","_type":"span","marks":[],"text":" – bonds considered to be associated with a high level of risk."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"13980bdcc8e2","_type":"block","children":[{"_key":"eccb54653b7f","_type":"span","marks":["strong"],"text":"Municipal bonds"},{"_key":"fc0a803854f4","_type":"span","marks":[],"text":" – bonds issued by local governments, municipalities or states."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"99265f630422","_type":"block","children":[{"_key":"d35e39620486","_type":"span","marks":["strong"],"text":"Sovereign bonds"},{"_key":"5a9922c471ff","_type":"span","marks":[],"text":" – bonds issued by national governments. These can include gilts and treasuries."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"470565ca8ddf","_type":"block","children":[{"_key":"438715b5ca47","_type":"span","marks":["strong"],"text":"Gilts"},{"_key":"8964468bdd47","_type":"span","marks":[],"text":" – bonds issued by the UK government."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"80fda3477c0c","_type":"block","children":[{"_key":"49fed3a1aeeb","_type":"span","marks":["strong"],"text":"Treasuries"},{"_key":"ffbf2c8c0489","_type":"span","marks":[],"text":" – bonds issued by the US government."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"266e915029c0","_type":"block","children":[{"_key":"e3fcc300e9ad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a2537989de30","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Key bond terms to know:"},"text":[{"_key":"fdbdc1410e5c","_type":"block","children":[{"_key":"6f839624c465","_type":"span","marks":[],"text":"Key bond terms to know:"}],"markDefs":[],"style":"h4"},{"_key":"a2bb7aa8a4f4","_type":"block","children":[{"_key":"850c1ad2d9a0","_type":"span","marks":[],"text":"Coupon – the fixed interest rate that the bond issuer pays the lender. This is pre-agreed and does not change."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"6326a477fc02","_type":"block","children":[{"_key":"d385ee6adb2e","_type":"span","marks":[],"text":"Creditworthiness – how reliable the bond issuer is deemed to be, based on many factors such as financial security, size, and geographic location."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8e2c27f9133e","_type":"block","children":[{"_key":"de8b059c68c1","_type":"span","marks":[],"text":"Denomination – the total face value of the bond at the point of maturity (when it’s repaid)."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"04ce92ab0c77","_type":"block","children":[{"_key":"f95ddc6b78c8","_type":"span","marks":[],"text":"Maturity – the pre-agreed date at which the bond is repaid in full. This can range from less than 1 year (short-term) to over 30 years (long-term). Longer maturities typically have higher interest rates."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c0e878ef56e9","_type":"block","children":[{"_key":"0bb0b9c0c932","_type":"span","marks":[],"text":"Yield – the actual return an investor earns from a bond. 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However, there are various external factors you should be aware of that can influence a bond’s performance, such as:"}],"markDefs":[],"style":"normal"},{"_key":"8f31197b0009","_type":"textboxWidget","text":[{"_key":"e02e737fe442","_type":"block","children":[{"_key":"c9a09cb5141a","_type":"span","marks":["strong"],"text":"Interest rates: "},{"_key":"77dfe0cb24b8","_type":"span","marks":[],"text":"Generally, bonds become less attractive when base interest rates (e.g. the Bank of England’s base rate) rise - and vice versa. This is because people can get similar returns without a longer-term commitment, like with an easy-access savings account."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4f209b5bc39d","_type":"block","children":[{"_key":"0c2c8d755598","_type":"span","marks":["strong"],"text":"Creditworthiness of the issuer: "},{"_key":"10768c5377c2","_type":"span","marks":[],"text":"As we mentioned earlier, government bonds or “gilts” are generally considered safer than corporate bonds. However, this safety usually comes in the form of a lower interest rate payment. "}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"dac19d76fcbe","_type":"block","children":[{"_key":"64496e4f1970","_type":"span","marks":["strong"],"text":"Market conditions: "},{"_key":"0a660958404c","_type":"span","marks":[],"text":"Market conditions, sentiment and economic factors can also impact bond prices in the same way they impact share prices."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"7e5d90e1d232","_type":"block","children":[{"_key":"915b3da40ca4","_type":"span","marks":[],"text":""},{"_key":"504d82eb803a","_type":"mainAnchor","pageAnchor":{"_ref":"433053e5-5bc2-4d66-aefe-1786ed0cb86f","_type":"reference"}},{"_key":"c93ea14cfe01","_type":"span","marks":[],"text":"Can bonds lose value?"}],"markDefs":[],"style":"h2"},{"_key":"c41264639a57","_type":"block","children":[{"_key":"c2e6314d3cac","_type":"span","marks":["strong"],"text":"Yes, bonds can lose value. They're usually lower-risk than shares, but not risk-free. In September 2022, worries over UK government spending pushed gilt yields up and prices down, shrinking the bond market. Well-diversified investors felt little impact; those heavily weighted in bonds, like some pension funds, saw a bigger dip. The market has since recovered."}],"markDefs":[],"style":"normal"},{"_key":"9a35e2149d58","_type":"block","children":[{"_key":"c3859c53f02f","_type":"span","marks":[],"text":"Unfortunately, predicting the future performance of any investment with certainty is virtually impossible."}],"markDefs":[],"style":"normal"},{"_key":"813dac338e48","_type":"block","children":[{"_key":"6fd7f04be692","_type":"span","marks":[],"text":"Bonds have historically been considered lower-risk investments, but this is not a 100% bulletproof rule. For example, in September 2022 - following ex-Chancellor Kwasi Kwarteng’s infamous “mini Budget” - there were serious concerns about the amount of spending the then-government had proposed and therefore how it would be able to keep up with national debt (including gilts)."}],"markDefs":[],"style":"normal"},{"_key":"a0b2b81f847e","_type":"block","children":[{"_key":"8e6db4cd31e8","_type":"span","marks":[],"text":"These questions around the perceived creditworthiness of the UK government impacted the bond market, pushing yields up as these loans were seen to be riskier than they had been beforehand. As yields went up, the price of UK gilts fell - and this caused the bond market to contract, as lending to the UK government became less attractive to investors (institutional and private)."}],"markDefs":[],"style":"normal"},{"_key":"6c32eb4113db","_type":"block","children":[{"_key":"16474136e415","_type":"span","marks":[],"text":"People who were invested in bonds during this period saw the value of their investments fall. For those with a well-diversified portfolio (invested in lots of different things in different proportions), the impact of this was likely to be muted. However, individuals with a high proportion allocated to bonds – such as pension funds, which typically favour bonds for their low-risk reputation – saw a bigger dip."}],"markDefs":[],"style":"normal"},{"_key":"30fde4a880db","_type":"block","children":[{"_key":"9d7c567cf94e","_type":"span","marks":[],"text":"Since then, the bond market has recovered and it is generally agreed that this was an unusual set of circumstances. Bonds are usually low risk investments and can play an important role in ensuring your investment portfolio is diversified – and not all in shares, for example."}],"markDefs":[],"style":"normal"},{"_key":"4752447969bc","_type":"block","children":[{"_key":"00e43f27a5e5","_type":"span","marks":[],"text":"So you can see that by understanding the factors that can influence bond performance, you can get a better sense of how they work and how best to incorporate them into your investment portfolio."}],"markDefs":[],"style":"normal"},{"_key":"aff983865960","_type":"block","children":[{"_key":"bc760933457c","_type":"span","marks":[],"text":""},{"_key":"c050e8063d49","_type":"mainAnchor","pageAnchor":{"_ref":"8b590d7c-c5cf-48be-aa8b-f64f836f3617","_type":"reference"}},{"_key":"6f62f9ada198","_type":"span","marks":[],"text":"How can I invest in bonds?"}],"markDefs":[],"style":"h2"},{"_key":"e5e162256c15","_type":"block","children":[{"_key":"cf68c449386d","_type":"span","marks":["strong"],"text":"You may already be invested in bonds through a pension or multi-asset fund, so check your existing holdings before buying more. 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If you have a pension product, check your annual pension documents for details on what your pot is invested in. For other investment products, most providers allow you to log into your account on desktop or via an app to see a breakdown of your portfolio."}],"markDefs":[],"style":"normal"},{"_key":"bfe2c9c12e93","_type":"block","children":[{"_key":"2849b0cbdd05","_type":"span","marks":[],"text":"If you're looking to invest in bonds, there are many investment platforms on the market that will allow you to do so directly. 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You may owe Capital Gains Tax (CGT) on profits above £3,000, dividend tax on income above £500, and tax on interest above your savings allowance."}],"markDefs":[],"style":"normal"},{"_key":"d641a95f5184","_type":"block","children":[{"_key":"9228e1b5d809","_type":"span","marks":[],"text":"A General Investment Account (GIA) is one of the simplest ways to invest in the stock market. 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This means:"}],"markDefs":[{"_key":"a6843919de20","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}},{"_key":"f644b3d73399","_type":"internalLinkPick","reference":{"_ref":"9d156163-52cd-4afd-9f5d-6c3e17b512c1","_type":"reference"}}],"style":"normal"},{"_key":"f9adfae54165","_type":"block","children":[{"_key":"f5a66c7e539d","_type":"span","marks":[],"text":"You may have to pay "},{"_key":"22a2d4e22dcf","_type":"span","marks":["e3e8ef7ec34e"],"text":"CGT"},{"_key":"ee3ed5b7c280","_type":"span","marks":[],"text":" on profits above £3,000 (the 2026-27 allowance)"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"e3e8ef7ec34e","_type":"internalLinkPick","reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}}],"style":"normal"},{"_key":"a159c01f88ba","_type":"block","children":[{"_key":"042606c3c012","_type":"span","marks":[],"text":"You may pay "},{"_key":"6f273a28f335","_type":"span","marks":["e4a5726fef9d"],"text":"dividend"},{"_key":"7cee6fe41987","_type":"span","marks":[],"text":" tax on income above £500"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"e4a5726fef9d","_type":"glossaryPick","reference":{"_ref":"879c473d-ba07-433e-ad4d-217e24243b54","_type":"reference"}}],"style":"normal"},{"_key":"d86e24101d57","_type":"block","children":[{"_key":"9585107484fc","_type":"span","marks":[],"text":"Any interest earned (for example, from cash or "},{"_key":"209791406ce5","_type":"span","marks":["c2dbbee6ae41"],"text":"money market funds"},{"_key":"b35e369af87a","_type":"span","marks":[],"text":") could count towards your savings allowance"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"c2dbbee6ae41","_type":"glossaryPick","reference":{"_ref":"acf8d7e2-2e60-4a57-8bc9-7b5d085a4693","_type":"reference"}}],"style":"normal"},{"_key":"c081bc74fafd","_type":"block","children":[{"_key":"b146293d19b5","_type":"span","marks":[],"text":""},{"_key":"388503bc03e2","_type":"mainAnchor","pageAnchor":{"_ref":"094d1a3e-f7bf-4543-a216-e6804a5653f3","_type":"reference"}},{"_key":"ac35d7b69bc6","_type":"span","marks":[],"text":"Is a GIA right for me?"}],"markDefs":[],"style":"h2"},{"_key":"d351e227ea5b","_type":"block","children":[{"_key":"114a79922386","_type":"span","marks":["strong"],"text":"A GIA is worth using once you've maxed out your ISA and pension allowances for the year. 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"},{"_key":"28bee6e86936","_type":"span","marks":["8f857c0839e7"],"text":"Diversification"},{"_key":"93ac7a1e6d04","_type":"span","marks":[],"text":" means spreading your investments across different "},{"_key":"fcd2e0462beb","_type":"span","marks":["9b2d2c1772ef"],"text":"assets"},{"_key":"a7f9d58082c2","_type":"span","marks":[],"text":", regions and "},{"_key":"769055f9ff35","_type":"span","marks":["29b07840497a"],"text":"sectors"},{"_key":"14cfe45df675","_type":"span","marks":[],"text":". Essentially, it's about not putting all your eggs in one basket. Say for example that European markets take a tumble, a diversified "},{"_key":"8d0a6d94db00","_type":"span","marks":["49522d757b1c"],"text":"portfolio"},{"_key":"41599d23d3db","_type":"span","marks":[],"text":" could help to offset your losses against other investments with less exposure to the crash. 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A quarterly review can help you stay on top of things like "},{"_key":"cbace0a8c4c1","_type":"span","marks":["e7ee7441b8f6"],"text":"rebalancing"},{"_key":"2580923f7903","_type":"span","marks":[],"text":" (making sure your portfolio is well-diversified and reflects your goals) and tax planning (identifying where you may be liable and need to file a "},{"_key":"4b52db5f0628","_type":"span","marks":["69660be55f0a"],"text":"self assessment return"},{"_key":"65bcd1bbef65","_type":"span","marks":[],"text":"). 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You would need to:"}],"markDefs":[],"style":"normal"},{"_key":"01ff52941fe7","_type":"block","children":[{"_key":"3f6afb3340ba","_type":"span","marks":[],"text":"Identify underperforming investments"}],"level":1,"listItem":"number","markDefs":[],"style":"normal"},{"_key":"129c4fbe93df","_type":"block","children":[{"_key":"d147f78089da","_type":"span","marks":[],"text":"Calculate potential tax savings"}],"level":1,"listItem":"number","markDefs":[],"style":"normal"},{"_key":"d05e1fcd054f","_type":"block","children":[{"_key":"f77a07b52408","_type":"span","marks":[],"text":"Consider transaction costs"}],"level":1,"listItem":"number","markDefs":[],"style":"normal"},{"_key":"20f1a06d9bbf","_type":"block","children":[{"_key":"b97a0e90a443","_type":"span","marks":[],"text":"Maintain desired asset allocation"}],"level":1,"listItem":"number","markDefs":[],"style":"normal"},{"_key":"6c6bff971c63","_type":"block","children":[{"_key":"2a124793f70b","_type":"span","marks":[],"text":"Watch for the rules around "},{"_key":"9a22f5e803a0","_type":"span","marks":["324cd46d2235"],"text":"bed & breakfasting"},{"_key":"1554449233d5","_type":"span","marks":[],"text":" (selling an asset only to buy it back again a short time later"}],"level":1,"listItem":"number","markDefs":[{"_key":"324cd46d2235","_type":"internalLinkPick","blank":true,"reference":{"_ref":"0ec7f108-a386-4684-84b1-e47d7282ae2c","_type":"reference"}}],"style":"normal"}],"title":"Advanced tax planning strategies"},{"_key":"394a31a5ad58","_type":"block","children":[{"_key":"8b233ad84f920","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"28353eec15d2","_type":"block","children":[{"_key":"61975e4fd78e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f89ead09703f","_type":"block","children":[{"_key":"2de4813be690","_type":"span","marks":[],"text":"As always, when it comes to tax, it's better to be safe than sorry. 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Most people don’t end up paying it because of tax-free allowances. But if your estate exceeds a certain amount, HMRC may want a slice, which can land your loved ones with a hefty tax bill when you're no longer around. 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Everything under that = no tax. Anything over = HMRC swoops in."}],"markDefs":[],"style":"normal"},{"_key":"a500ad5ecd84","_type":"block","children":[{"_key":"1fec0c61d7b2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ad054ab78f4e","_type":"mainImage","alt":"Scenario 1: Standard Inheritance Tax (40%)  Let’s say you die and your estate is worth £500,000.   The first £325,000 (nil-rate band) is tax-free. The remaining £175,000 (the amount above the nil-rate band) is taxable at 40%.  40% of £175,000 = £70,000  This means your estate would be charged £70,000 by HMRC.","asset":{"_ref":"image-7d63bc75d362b3fee143ae313e013bdcdb47d701-1920x1080-png","_type":"reference"},"blankAltTag":true,"caption":"For illustrative purposes only."},{"_key":"0895a7dbe507","_type":"block","children":[{"_key":"10af8d734c7f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8e7b69a94c10","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"e852806cac5d","_type":"block","children":[{"_key":"7ca7d6659739","_type":"span","marks":[],"text":"💡 Boost your allowance with the Residence Nil-Rate Band"}],"markDefs":[],"style":"h4"},{"_key":"758ccfc8adad","_type":"block","children":[{"_key":"3af8b85f6973","_type":"span","marks":[],"text":"If you leave your primary residence to your child or grandchild, you can qualify for the residence nil-rate band (RNRB). This adds an extra £175,000 to your existing allowance - bringing your total tax-free threshold up to £500,000 (or £1 million in total for couples)!‎"}],"markDefs":[],"style":"normal"}]},{"_key":"583124ca7123","_type":"block","children":[{"_key":"a967267deccd","_type":"span","marks":[],"text":""},{"_key":"48d916d56b83","_type":"mainAnchor","pageAnchor":{"_ref":"3d28b781-81b3-4ab3-b315-d50263131d05","_type":"reference"}},{"_key":"1fd45edaff78","_type":"span","marks":[],"text":"Reduced IHT rate"}],"markDefs":[],"style":"h3"},{"_key":"690a6c84faf2","_type":"block","children":[{"_key":"8ee3b07315b2","_type":"span","marks":[],"text":"It's possible to reduce the rate of Inheritance Tax due on your estate if you're feeling generous. If you leave at least 10% of the value of your estate to charity, your IHT rate will be reduced to 36% (rather than the headline 40%). "}],"markDefs":[],"style":"normal"},{"_key":"7b649c9dfa30","_type":"block","children":[{"_key":"bfe2bc3fbfec","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"11fb292cf5a2","_type":"mainImage","alt":"Scenario 2: With 10% Charity Donation (36%)  Now let's say you decide to leave 10% of the amount which exceeds the nil-rate threshold (£175,000) to your local animal shelter.  This £17,500 charity donation reduces the size of your taxable estate to £157,500 (£175,000 - £17,500 = £157,500).  You now also qualify for the reduced IHT rate of 36%. 36% of £157,500 = £56,500.  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If you own a property, especially in the South East, your estate could easily tip over the nil-rate band (especially if you're unmarried). Add in savings, investments, and personal belongings, and suddenly your estate might be in IHT territory without you realising."}],"markDefs":[],"style":"normal"},{"_key":"4c4f5a1bf155","_type":"block","children":[{"_key":"c260f7308af6","_type":"span","marks":[],"text":"🗓️ Planning ahead can save thousands"}],"markDefs":[],"style":"h3"},{"_key":"e923c54340f2","_type":"block","children":[{"_key":"2c0a59ecd022","_type":"span","marks":[],"text":"Inheritance Tax is one of the few taxes you can genuinely plan your way around. By making use of gift allowances, writing a clear will, and making plans well in advance, you can reduce how much of your estate is exposed to tax. 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However, you may only need to pay a fixed rate of 14% in 2025-26 due to something called ‘business asset disposal relief’ – previously known as Entrepreneur’s Relief. 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There are special rules if you’re a UK resident, but your permanent home is not in the UK. This can get a bit complex and is highly dependent on your unique circumstances, so we recommend you read the government’s official guidance "},{"_key":"580decd79566","_type":"span","marks":["61581245fadc"],"text":"here"},{"_key":"4dd3546d8f1c","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"61581245fadc","_type":"internalLinkPick","reference":{"_ref":"1e9b7c4a-bac7-447d-bb11-680e30c01103","_type":"reference"}}],"style":"normal"},{"_key":"1661999b8440","_type":"block","children":[{"_key":"2924ee35a7230","_type":"span","marks":[],"text":"If you’re abroad"}],"markDefs":[],"style":"h3"},{"_key":"b56930ba7043","_type":"block","children":[{"_key":"24ba84bdeee30","_type":"span","marks":[],"text":"You have to pay CGT on gains you make on selling property and land in the UK even if you’re anon-resident for tax purposes. 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You can read more about how Inheritance Tax works in our full guide "},{"_key":"d34c1a2f1a41","_type":"span","marks":["334b762c4a24"],"text":"here"},{"_key":"b62843c31b5b","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"334b762c4a24","_type":"internalLinkPick","reference":{"_ref":"5738b43a-eede-418b-baf6-c902784e06e7","_type":"reference"}},{"_key":"09c9f7fa0d60","_type":"glossaryPick","reference":{"_ref":"648a4915-ceba-4182-b856-1cdc5a818c5b","_type":"reference"}}],"style":"normal"},{"_key":"383ebe80cc25","_type":"block","children":[{"_key":"041214564556","_type":"span","marks":[],"text":""},{"_key":"efd7ebe41148","_type":"mainAnchor","pageAnchor":{"_ref":"3258eddd-edd7-4b05-ac35-7eb3ef1c28c5","_type":"reference"}},{"_key":"84f236cc247e","_type":"span","marks":[],"text":"Capital Gains Tax rates explained"}],"markDefs":[],"style":"h2"},{"_key":"c7082517bf4a","_type":"block","children":[{"_key":"4ec99c38454c","_type":"span","marks":[],"text":"The rate of CGT that you have to pay differs depending on your usual tax band. 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Registering should take you less than a minute, so it's quick and painless.  \n\n  ","enableGatedContent":false,"excerpt":[{"_key":"d57fb56f92ca","_type":"block","children":[{"_key":"56c81c724226","_type":"span","marks":[],"text":"Capital Gains Tax (CGT) is paid on profits when you sell shares, property or other assets. The tax-free allowance is £3,000 in 2025–26. Rates are 18% or 24% depending on your tax band."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"d2d2469d0c51","_type":"block","children":[{"_key":"ad264d10055f","_type":"span","marks":["strong"],"text":"Capital Gains Tax is catching more investors than ever before. With the annual tax-free allowance slashed from £12,000 to just £3,000 in recent years, understanding when and how much CGT you'll pay has become essential for anyone investing outside an ISA."}],"markDefs":[],"style":"normal"},{"_key":"2bdec2e4c584","_type":"block","children":[{"_key":"abda2f250935","_type":"span","marks":[],"text":"Capital Gains Tax (CGT) is charged on the profit you make when selling assets like shares, bonds, property, or cryptocurrency. Once your gains exceed £3,000 in a tax year, you'll pay 18% as a basic rate taxpayer or 24% as a higher rate taxpayer on the excess."}],"markDefs":[],"style":"normal"},{"_key":"03ae04dabe56","_type":"block","children":[{"_key":"a5fa9fa21cc4","_type":"span","marks":[],"text":"The good news? Investments held in ISAs are completely exempt from CGT. 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"}],"markDefs":[],"style":"normal"},{"_key":"8266fef6d787","_type":"block","children":[{"_key":"0e38a52b507f","_type":"span","marks":[],"text":"Income Tax is a tax that you pay to the UK government on your earnings and/or profits (your \"taxable income\") if they exceed the annual Personal Allowance, which is £12,570 for the 2025-26 tax year. This is the maximum amount you’re allowed to earn before you must start paying Income Tax. 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possessions and is paid out of your estate before it's passed on to your beneficiaries."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"9b67fdc589e3","_type":"block","children":[{"_key":"01b5619ced53","_type":"span","marks":["strong"],"text":"Can be costly - "},{"_key":"00c3df913546","_type":"span","marks":[],"text":"Usually a hefty 40% bill on everything above the threshold!"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"93200fc62d6c","_type":"block","children":[{"_key":"8afab93de335","_type":"span","marks":["strong"],"text":"Low threshold means many get caught out - "},{"_key":"b522857a2732","_type":"span","marks":[],"text":"Everything over £325,000 is liable (or £500,000 if you leave your home to kids/grandkids)."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"0c541a220960","_type":"block","children":[{"_key":"b73562d7005a","_type":"span","marks":["strong"],"text":"Strategies exist to reduce or cut your bill entirely -"},{"_key":"4cce39d8f406","_type":"span","marks":[],"text":" Charity donations can reduce the headline rate, while gifting can help bring your estate below the threshold."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ae687b8f3d32","_type":"block","children":[{"_key":"0f659c33e4e9","_type":"span","marks":["strong"],"text":"Important to plan ahead -"},{"_key":"8bb367db325c","_type":"span","marks":[],"text":" Taking action early to review your finances and make adjustments can save your loved ones from an unexpected bill."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"94091521c092","_type":"block","children":[{"_key":"de14c68f9c77","_type":"span","marks":[],"text":""},{"_key":"e25e4ebe8584","_type":"mainAnchor","pageAnchor":{"_ref":"324318c3-df5b-48b0-b1e9-a9ca1902ed41","_type":"reference"}},{"_key":"a0a8f1a88d76","_type":"span","marks":[],"text":"The basics of Inheritance Tax"}],"markDefs":[],"style":"h2"},{"_key":"b6fd9a809ac0","_type":"block","children":[{"_key":"b12d4c402705","_type":"span","marks":[],"text":"Inheritance Tax (IHT) is a tax on the "},{"_key":"21b548e430c6","_type":"span","marks":["36c279e3a068"],"text":"estate"},{"_key":"b2738324561c","_type":"span","marks":[],"text":" (that’s property, money and possessions) of someone who has died. Most people don’t end up paying it because of tax-free allowances. But if your estate exceeds a certain amount, HMRC may want a slice, which can land your loved ones with a hefty tax bill when you're no longer around. 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Everything under that = no tax. Anything over = HMRC swoops in."}],"markDefs":[],"style":"normal"},{"_key":"a500ad5ecd84","_type":"block","children":[{"_key":"1fec0c61d7b2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ad054ab78f4e","_type":"mainImage","alt":"Scenario 1: Standard Inheritance Tax (40%)  Let’s say you die and your estate is worth £500,000.   The first £325,000 (nil-rate band) is tax-free. The remaining £175,000 (the amount above the nil-rate band) is taxable at 40%.  40% of £175,000 = £70,000  This means your estate would be charged £70,000 by HMRC.","asset":{"_ref":"image-7d63bc75d362b3fee143ae313e013bdcdb47d701-1920x1080-png","_type":"reference"},"blankAltTag":true,"caption":"For illustrative purposes only."},{"_key":"0895a7dbe507","_type":"block","children":[{"_key":"10af8d734c7f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8e7b69a94c10","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"e852806cac5d","_type":"block","children":[{"_key":"7ca7d6659739","_type":"span","marks":[],"text":"💡 Boost your allowance with the Residence Nil-Rate Band"}],"markDefs":[],"style":"h4"},{"_key":"758ccfc8adad","_type":"block","children":[{"_key":"3af8b85f6973","_type":"span","marks":[],"text":"If you leave your primary residence to your child or grandchild, you can qualify for the residence nil-rate band (RNRB). This adds an extra £175,000 to your existing allowance - bringing your total tax-free threshold up to £500,000 (or £1 million in total for couples)!‎"}],"markDefs":[],"style":"normal"}]},{"_key":"583124ca7123","_type":"block","children":[{"_key":"a967267deccd","_type":"span","marks":[],"text":""},{"_key":"48d916d56b83","_type":"mainAnchor","pageAnchor":{"_ref":"3d28b781-81b3-4ab3-b315-d50263131d05","_type":"reference"}},{"_key":"1fd45edaff78","_type":"span","marks":[],"text":"Reduced IHT rate"}],"markDefs":[],"style":"h3"},{"_key":"690a6c84faf2","_type":"block","children":[{"_key":"8ee3b07315b2","_type":"span","marks":[],"text":"It's possible to reduce the rate of Inheritance Tax due on your estate if you're feeling generous. If you leave at least 10% of the value of your estate to charity, your IHT rate will be reduced to 36% (rather than the headline 40%). "}],"markDefs":[],"style":"normal"},{"_key":"7b649c9dfa30","_type":"block","children":[{"_key":"bfe2bc3fbfec","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"11fb292cf5a2","_type":"mainImage","alt":"Scenario 2: With 10% Charity Donation (36%)  Now let's say you decide to leave 10% of the amount which exceeds the nil-rate threshold (£175,000) to your local animal shelter.  This £17,500 charity donation reduces the size of your taxable estate to £157,500 (£175,000 - £17,500 = £157,500).  You now also qualify for the reduced IHT rate of 36%. 36% of £157,500 = £56,500.  This means your estate would now be charged £56,500 by HMRC (compared to £70,000 without the charity donation).","asset":{"_ref":"image-0f821045bcc2f83c97d646e842522a8e30965d52-1920x1080-png","_type":"reference"},"blankAltTag":true,"caption":"For illustrative purposes only."},{"_key":"9951b34c1f8f","_type":"block","children":[{"_key":"38b02ab4ec53","_type":"span","marks":[],"text":""},{"_key":"da04342a077d","_type":"mainAnchor","pageAnchor":{"_ref":"9be91119-14d8-471c-8d7f-14ba94bf24f2","_type":"reference"}},{"_key":"f5a68cedf6a2","_type":"span","marks":[],"text":"When does Inheritance Tax not apply?"}],"markDefs":[],"style":"h2"},{"_key":"2a10b09a05ea","_type":"block","children":[{"_key":"9a86257e002e","_type":"span","marks":[],"text":"Good news: just because someone dies doesn’t mean HMRC automatically gets a cut. 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Remember if you’re leaving your main residence to children or grandchildren, you may also qualify for the residence nil-rate band, which boosts your allowance up to £500,000 (or up to £1 million for couples)."}],"markDefs":[],"style":"normal"},{"_key":"73d22718f6f0","_type":"block","children":[{"_key":"0ea61794e9f7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6b8ffaea5096","_type":"prosConsWidget","consTitle":"You leave everything to your spouse or civil partner"},{"_key":"b197221ad846","_type":"block","children":[{"_key":"08608c3c56fe","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1733b9673c45","_type":"block","children":[{"_key":"abb0f3b8cc22","_type":"span","marks":[],"text":"Transfers between spouses or civil partners are completely exempt from Inheritance Tax - no matter how much you pass on. Even better, any unused allowance from the first partner to die can be transferred to the surviving spouse. 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A win for the cause and for your family."}],"markDefs":[],"style":"normal"},{"_key":"407edbb97870","_type":"block","children":[{"_key":"7c274574b78b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"53e704f56816","_type":"prosConsWidget","consTitle":"You give it away - and live 7 more years"},{"_key":"89b43e19072f","_type":"block","children":[{"_key":"489025b10a88","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"864f4da5592c","_type":"block","children":[{"_key":"a4849795527c","_type":"span","marks":[],"text":"Gifts made during your lifetime are generally exempt from IHT if you survive for at least seven years afterwards. This is known as the 7 Year Rule (more on this below). 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If you don’t have a will in place when you die, it’s the administrator of your estate who has this responsibility."}],"markDefs":[{"_key":"cd529d6c69ae","_type":"glossaryPick","reference":{"_ref":"f54dbeb1-0fa6-4a10-8754-01ba864a3468","_type":"reference"}}],"style":"normal"},{"_key":"885fcede5a30","_type":"block","children":[{"_key":"c4f3f82232c80","_type":"span","marks":[],"text":"Most of the time, Inheritance Tax is paid through the Direct Payment Scheme (DPS). If you have money in a bank or building society account when you die, whoever’s in charge of your estate can ask for some (or all) of the amount due to be paid to be transferred directly from the account to the government."}],"markDefs":[],"style":"normal"},{"_key":"7e58fad407d2","_type":"block","children":[{"_key":"ad9d724c6daa","_type":"span","marks":[],"text":"IHT on gifts given in the seven years leading up to your death must be paid by the recipient (but more on this later)."}],"markDefs":[],"style":"normal"},{"_key":"12575788e47f","_type":"block","children":[{"_key":"6b700703334f","_type":"span","marks":[],"text":""},{"_key":"39b0cd895519","_type":"mainAnchor","pageAnchor":{"_ref":"e917042b-11ce-4506-94b4-028dfaa71b9b","_type":"reference"}},{"_key":"cabc966f05b4","_type":"span","marks":[],"text":"What happens if there is no cash in the estate?"}],"markDefs":[],"style":"h3"},{"_key":"e6aae109bb11","_type":"block","children":[{"_key":"0a6553b0bc66","_type":"span","marks":[],"text":"If your estate contains assets liable for IHT but little or no cash to cover the bill, the administrator must find a way to release funds in order to pay it. 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Interest is then charged on the outstanding balance (see next section for details)."}],"level":1,"listItem":"bullet","markDefs":[{"_key":"232f08a6bc8c","_type":"glossaryPick","reference":{"_ref":"648a4915-ceba-4182-b856-1cdc5a818c5b","_type":"reference"}}],"style":"normal"},{"_key":"49ebc6df8413","_type":"block","children":[{"_key":"0f3f98e39ddf","_type":"span","marks":["strong"],"text":"Executor or beneficiary loans:"},{"_key":"d0a756fb1a8a","_type":"span","marks":[],"text":" The executor of your will or a beneficiary may pay the IHT out of their own funds and then reclaim it from the estate once the assets of equivalent value have been sold or distributed."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"3bd9094cb9ec","_type":"block","children":[{"_key":"61adef6e81c3","_type":"span","marks":["strong"],"text":"Bridging loans:"},{"_key":"f9c639eace97","_type":"span","marks":[],"text":" Executors can take out short-term loans secured against the estate’s assets to pay the IHT."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a34b9b251134","_type":"block","children":[{"_key":"100d2d2de186","_type":"span","marks":["strong"],"text":"Grant on credit:"},{"_key":"19db5f01f65c","_type":"span","marks":[],"text":" In exceptional cases, if other options are not available, HMRC may allow a “grant on credit,” permitting probate to be granted before full tax bill is received (with the tax paid as soon as possible, e.g., after selling a property)."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d0e97d8819f8","_type":"block","children":[{"_key":"40637b38f92c","_type":"span","marks":[],"text":""},{"_key":"faa3fc2f2832","_type":"mainAnchor","pageAnchor":{"_ref":"bdfd3222-216b-4d0c-967d-fd15d7bd1961","_type":"reference"}},{"_key":"3dc151b130f1","_type":"span","marks":[],"text":"When do you have to pay Inheritance Tax?"}],"markDefs":[],"style":"h2"},{"_key":"5bf30556ea8e","_type":"block","children":[{"_key":"a4b862323fc9","_type":"span","marks":[],"text":"The bill is due six months after the end of the month in which the person died - regardless of whether or not you have been granted "},{"_key":"a9603219e9c4","_type":"span","marks":["1069853644f9"],"text":"probate"},{"_key":"58c392d88d47","_type":"span","marks":[],"text":". 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