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Sign up to Boring Money for more!","thankYouText":[{"_key":"c19ac9aca719","_type":"block","children":[{"_key":"e92f6e4d1af7","_type":"span","marks":[],"text":"Thank you for signing up!"}],"markDefs":[],"style":"normal"}]},{"_key":"e62f483aae76","_type":"block","children":[{"_key":"d4794fd7ecab","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_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. 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 General Investment Accounts (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":[],"style":"normal"},{"_key":"35c6e1afcd86","_type":"block","children":[{"_key":"634d137989f1","_type":"span","marks":[],"text":"For this reason, Stocks & Shares ISAs are popular with beginner and DIY investors 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 Cash ISA (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":[],"style":"normal"},{"_key":"184d3fed24f2","_type":"block","children":[{"_key":"c874269636cf","_type":"span","marks":[],"text":"Despite all the bells and whistles, just 15% 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."}],"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 the end of 2025?"}],"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 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 by a whopping £1,294- compared to gains of just £199 from cash over the same time period. MSCI World has an impressive £2,806 gain."}],"markDefs":[],"style":"normal"},{"_key":"30cfa74fa485","_type":"block","children":[{"_key":"c83627867777","_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":"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":"9f0b8c9854d4","_type":"block","children":[{"_key":"c4d261625774","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_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"},{"_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-5b3b22671ffb7aa8393fcc54bdb8a3997661c7b5-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","text":[{"_key":"d2e21570f22c","_type":"block","children":[{"_key":"aad4aba88be0","_type":"span","marks":["strong"],"text":"Regular cash savers are putting away £273 a month. Investors, £344."}],"markDefs":[],"style":"normal"},{"_key":"0a6820c76412","_type":"block","children":[{"_key":"9fb848382c6c","_type":"span","marks":[],"text":"These cash savers are just one step away from turning their strong saving habits into regular investing."}],"markDefs":[],"style":"normal"},{"_key":"e64d75bc2906","_type":"block","children":[{"_key":"afca20e228cd","_type":"span","marks":[],"text":"What are the features cash savers say make it easier to start investing? "},{"_key":"48fbd31bb9aa","_type":"span","marks":["f730de15eeba"],"text":"BlackRock’s Bridging the gap"},{"_key":"0d5e7df8ff12","_type":"span","marks":[],"text":": From saving to investing report highlights:"}],"markDefs":[{"_key":"f730de15eeba","_type":"internalLinkPick","blank":true,"reference":{"_ref":"0b51e9cf-43b7-4190-b031-36291f16aae4","_type":"reference"}}],"style":"normal"},{"_key":"453e93897994","_type":"block","children":[{"_key":"2aedddce4231","_type":"span","marks":[],"text":"Start small: 83% of savers say they’d be more likely to invest if they could start with as little as £1–£50 per month"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"3e75d7d5dde4","_type":"block","children":[{"_key":"33be64d98fea","_type":"span","marks":[],"text":"Keep it simple: ~45% want flexibility, transparency and simplicity"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d7febbb343a7","_type":"block","children":[{"_key":"f7f2540357d9","_type":"span","marks":[],"text":"Confidence: 43% want a step-by-step guide"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7ace29174796","_type":"block","children":[{"_key":"b96ddbe72b8d","_type":"span","marks":[],"text":"Every investor starts somewhere. Small steps, big impact."}],"markDefs":[],"style":"normal"},{"_key":"86b7f8fbd798","_type":"block","children":[{"_key":"d798c4554489","_type":"span","marks":["strong"],"text":"​"},{"_key":"6e4c5fe32663","_type":"span","marks":[],"text":"Regular cash saver = Respondents who said they 'do not currently have investments but are open to investing in the future' and who are regularly making contributions to cash savings account or ISA.​\nSource: "},{"_key":"ed17e1151fd1","_type":"span","marks":["599380446bb4"],"text":"BlackRock Bridging the gap: From saving to investing"},{"_key":"9ed9cd2c3b6f","_type":"span","marks":[],"text":", Dec 2025"}],"markDefs":[{"_key":"599380446bb4","_type":"internalLinkPick","reference":{"_ref":"0b51e9cf-43b7-4190-b031-36291f16aae4","_type":"reference"}}],"style":"normal"}],"title":"Blackrock"},{"_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":"Find out more"}],"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":{"_id":"0b51e9cf-43b7-4190-b031-36291f16aae4","_type":"linkCategory","_rev":"YkA36qTDOerM1fSJb5UReZ","_createdAt":"2026-01-23T13:56:57Z","_updatedAt":"2026-01-23T13:57:15Z","description":"Blackrock Report: Bridging the gap","url":"https://www.blackrock.com/uk/literature/whitepaper/bridging-the-gap-report.pdf","id":"-17ce0f77-1339-5b8e-ba48-0fce5765743f","children":[],"parent":null},"text":"READ THE REPORT"},{"_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":"Stocks & Shares ISA: How risky is it?"}],"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 inflation, 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":[],"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. But if you still want to invest in the stock market, remember that the longer you give yourself, the more time you have to ride out any bumps along the way - smoothing out your risk exposure."}],"markDefs":[],"style":"normal"},{"_key":"a19592681683","_type":"block","children":[{"_key":"16b267dade6c","_type":"span","marks":[],"text":"For more on weighing up Cash ISAs and Stocks & Shares ISAs, and which is best for your attitude to investment risk, check out "},{"_key":"1b8670dab76d","_type":"span","marks":["2586b1357dc1"],"text":"this article"},{"_key":"7fcf36788e22","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"2586b1357dc1","_type":"internalLinkPick","reference":{"_ref":"f1074ea6-e7b0-475f-9cb0-4a22d74cebf5","_type":"reference"}}],"style":"normal"},{"_key":"8d8c7ecb2baf","_type":"block","children":[{"_key":"7b8787a7b096","_type":"span","marks":[],"text":""},{"_key":"88ec304fd373","_type":"mainAnchor","pageAnchor":{"_ref":"496a8c48-2177-45d5-878c-b03dbeb72ed7","_type":"reference"}},{"_key":"80cb4e197000","_type":"span","marks":[],"text":"Stocks & Shares ISAs and tax"}],"markDefs":[],"style":"h2"},{"_key":"5cc510db1390","_type":"block","children":[{"_key":"bc8574d89c45","_type":"span","marks":[],"text":"Stocks and Shares ISAs are tax-efficient in a number of ways. Here are 3 ways they can help you invest without worrying about the taxman:"}],"markDefs":[],"style":"normal"},{"_key":"437df0c7b0b6","_type":"block","children":[{"_key":"a6e277bfc4c0","_type":"span","marks":["strong"],"text":"You don’t pay capital gains tax on profits from increases in share prices when shares are sold."},{"_key":"0590f2554115","_type":"span","marks":[],"text":" Good. Outside an ISA you’d pay 10% (basic rate taxpayer) or 20% (higher rate taxpayer) once you go over your capital gains tax allowance for the year."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"12647d7145bb","_type":"block","children":[{"_key":"ae3fc00efb36","_type":"span","marks":["strong"],"text":"There's no tax on interest earned on bonds"},{"_key":"57a38ced89d0","_type":"span","marks":[],"text":". Nice. This would be treated like cash interest outside of an ISA."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"5af4998bc30d","_type":"block","children":[{"_key":"dbb0eee89652","_type":"span","marks":["strong"],"text":"There's no tax on dividends within an ISA"},{"_key":"0ac8750f3132","_type":"span","marks":[],"text":". Outside an ISA, there's a dividend allowance of £1,000. 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You're not alone. With platform fees varying significantly between providers and vastly different service levels, choosing the right ISA provider can feel like navigating a maze. But here's what most investors don't realise: the cheapest option isn't always the best for your investment style."}],"markDefs":[],"style":"normal"},{"_key":"fa127cf0b92e","_type":"block","children":[{"_key":"d41c48a182730","_type":"span","marks":[],"text":"Our comprehensive analysis of the UK's top ISA providers, based on over 22,000 real customer reviews and detailed cost analysis, reveals that while some platforms offer a free ISA, many investors benefit from platforms that provide stronger educational support and investment guidance. 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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). 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These are either to go into 'drawdown' to use your money as and when you need it, or take out an 'annuity' to bag yourself a guaranteed income for life (or a fixed period of time). 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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 drawdown?"}],"markDefs":[],"style":"h2"},{"_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. 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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 bonds (called \"gilts\" in the UK) to generate returns. If interest rates 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":[],"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":"d85c0aac10c7","_type":"block","children":[{"_key":"38f689579de6","_type":"span","marks":[],"text":"Pays a guaranteed income for the rest of your life"}],"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"}],"markDefs":[],"style":"normal"}]},{"_key":"0c65bd0dd8ee","_type":"cell","value":[{"_key":"37e1ccf28ad4","_type":"block","children":[{"_key":"bc5e3974ec81","_type":"span","marks":[],"text":"Also called 'Impaired', aimed at those diagnosed with an illness or health problem that could reduce your life expectancy"}],"markDefs":[],"style":"normal"}]},{"_key":"41637021182a","_type":"cell","value":[{"_key":"da43be03662f","_type":"block","children":[{"_key":"f090cb2710d6","_type":"span","marks":[],"text":"Part of your income is guaranteed and part is linked to investment performance"}],"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), offering 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 lifetime annuity purchased with money outside of your pension"}],"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. 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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 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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 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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":"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":"c546c98c8484","_type":"span","marks":[],"text":"Standard Life's Annuity Rate Tracker shows that annuity rates have 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.[1]"}],"markDefs":[],"style":"normal"},{"_key":"0df3b452b0e4","_type":"block","children":[{"_key":"ab1b28d60cd6","_type":"span","marks":[],"text":"Digging a little deeper into the numbers and, as of January 2025, the average rates for a fixed-term annuity were 21.91% over a 5-year fixed term, 12.33% over a ten-year fixed term, and 9.18% over a 15-year fixed term.[2]"}],"markDefs":[],"style":"normal"},{"_key":"443e0d16a94e","_type":"block","children":[{"_key":"c20c9926e17d","_type":"span","marks":[],"text":"Commenting on the recent increase, Pete Cowell, Head of Annuities – Individual Retirement at Standard Life, said: "}],"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 at the moment 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":"607df38a4620","_type":"span","marks":[],"text":"Annuity vs drawdown: 3 things to do"}],"markDefs":[],"style":"h2"},{"_key":"b16244860887","_type":"block","children":[{"_key":"ac2592086b32","_type":"span","marks":[],"text":"However, 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. Understand your pension potential"}],"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. Know your 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. Shop around for the best 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. 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But which one is really best for you? 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"}],"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? 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While the idea of taking retirement savings into your own hands sounds appealing, it's not always the best course of action for everyone. 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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":"8f8d2165a691","_type":"block","children":[{"_key":"ac04248ebdc7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3e8edf8a6ee8","_type":"mainImage","asset":{"_ref":"image-566e05213dc27db9008f434b2b5398097a7bdc85-1920x1080-png","_type":"reference"}},{"_key":"7f3699ef19fe","_type":"block","children":[{"_key":"2ee774afdb45","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2c4d4cf58b50","_type":"block","children":[{"_key":"52fb0ceab1ca","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"48cc33f5c751","_type":"block","children":[{"_key":"6af72cdcec630","_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":"9437dafa5f26","_type":"block","children":[{"_key":"82c8e9d9b9ae0","_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":"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. 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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":"However, 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":"6bb083caa2e7","_type":"span","marks":[],"text":"2. You want more control over what you invest in"}],"markDefs":[],"style":"h3"},{"_key":"bd8ccbc810ca","_type":"block","children":[{"_key":"5f6b1eb9e9770","_type":"span","marks":[],"text":"Another scenario where it might be a good idea to open a SIPP is if you want more control over what you’re investing in. For many employees, your workplace will have an existing pension scheme which you’re signed up to when you join the company. In some cases, you may be able to switch to a different plan or different provider, but for many there is limited choice and it’s easy to end up “stuck” with the arrangement your workplace has sorted out on your behalf."}],"markDefs":[],"style":"normal"},{"_key":"6eba4b115267","_type":"block","children":[{"_key":"7a9c11a4623c0","_type":"span","marks":[],"text":"This might not be ideal for you. Maybe you’re not comfortable with what your pension is invested in – oil, gas and other so-called “sin stocks” frequently appear in pension funds thanks to the popularity and stability of these behemoth firms. Perhaps you’d prefer to invest in more “green”, “sustainable” or “ethical” firms, putting your long-term savings behind the companies striving to make the world a better place. Or maybe your current scheme is too restrictive and you’d like to select your own stocks to make your perfect retirement pick ‘n’ mix."}],"markDefs":[],"style":"normal"},{"_key":"1fc67a28aa86","_type":"block","children":[{"_key":"04c17e15a2250","_type":"span","marks":[],"text":"SIPPs are designed to let you have more control over what your retirement savings are invested in. There are dozens of SIPP providers on the market to choose from, offering a choice of thousands of "},{"_key":"7ccbecc9467c","_type":"span","marks":["7fdfa1dc161e"],"text":"shares"},{"_key":"2c4a94b85ac7","_type":"span","marks":[],"text":", "},{"_key":"5a3965f0abcf","_type":"span","marks":["abf904037bde"],"text":"funds"},{"_key":"3609c71ae1c2","_type":"span","marks":[],"text":", "},{"_key":"caacae372f18","_type":"span","marks":["5f6dc3538cb4"],"text":"ETFs"},{"_key":"76aca355d1bc","_type":"span","marks":[],"text":", "},{"_key":"73d1a7969faf","_type":"span","marks":["b98a9ffb2c50"],"text":"investment trusts"},{"_key":"5673798de521","_type":"span","marks":[],"text":", "},{"_key":"112076e51675","_type":"span","marks":["b5cf28a91405"],"text":"ready-made options"},{"_key":"519067535ba1","_type":"span","marks":[],"text":" and more to help you select the investments you really want to put your money into. If your workplace pension isn’t ticking all your boxes, setting up a SIPP could give you the level of control you’re looking for."}],"markDefs":[{"_key":"7fdfa1dc161e","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}},{"_key":"abf904037bde","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}},{"_key":"5f6dc3538cb4","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}},{"_key":"b98a9ffb2c50","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}},{"_key":"b5cf28a91405","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"fcb8d5e14ef5","_type":"block","children":[{"_key":"086fb65c1523","_type":"span","marks":[],"text":"3. You want to be able to save for retirement at your own pace"}],"markDefs":[],"style":"h3"},{"_key":"30afd7420b65","_type":"block","children":[{"_key":"35b67ff3044a0","_type":"span","marks":[],"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, why not have a SIPP ready to go?"}],"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":"10358f30fa2c0","_type":"span","marks":[],"text":"Find the right pension 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. Head over to our pension comparison table to see what’s out there, read our full reviews and see what other customers think."}],"markDefs":[],"style":"normal"},{"_key":"519d62018b5e","_type":"block","children":[{"_key":"b8d03d5b384b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"7dab21f44665","_type":"block","children":[{"_key":"b6f0e18c61920","_type":"span","marks":["strong"],"text":"Browse SIPP providers"}],"markDefs":[],"style":"normal"}],"_key":"0ac9680379cb","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"8f8d5255-8476-4e70-b08c-449f90bec96e","_type":"reference"},"text":"SEARCH"},{"_key":"0978f50028a5","_type":"block","children":[{"_key":"da893c9359c1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"brazeCustomAttributes":[{"_key":"df9758a02adc","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_Article_Gated","customAttributeValue":"https://www.boringmoney.co.uk/learn/articles/three-reasons-to-open-a-sipp/"}],"categories":[{"_key":"1c86a75fc125","_ref":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","_type":"reference"}],"emailSignupWidgetButtonText":"JOIN US","emailSignupWidgetImage":{"_type":"mainImage","alt":"Gated content"},"emailSignupWidgetParagraphText":"Find out why you should open a SIPP today!","enableGatedContent":true,"excerpt":[{"_key":"af4112293289","_type":"block","children":[{"_key":"9ac638077d950","_type":"span","marks":[],"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"}],"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"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-566e05213dc27db9008f434b2b5398097a7bdc85-1920x1080-png","_type":"reference"}},"publishedAt":"2024-04-11T13:48:19.489Z","slug":{"_type":"slug","current":"three-reasons-to-open-a-sipp"},"template":"C-SB","textNextToKey":"Unlock this article to continue reading","title":"Three reasons to open a SIPP","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"}],"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. 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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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":"a69caddd-cb85-4c9a-99ff-29fa6f036de9","_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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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. 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Merchants Trust has been delivering dividends to investors since 1889, making it one of the UK's most established Investment Trusts."}],"markDefs":[],"style":"normal"},{"_key":"a4a6883d20e9","_type":"block","children":[{"_key":"a96f8ecb5612","_type":"span","marks":[],"text":"Merchants focuses on what it does best: investing in large, well-known UK companies that consistently pay and grow their dividends. These aren't just British businesses—many are global multinationals listed in London, giving you worldwide exposure with the benefit of the UK's gold-standard corporate governance."}],"markDefs":[],"style":"normal"},{"_key":"1e1348afc024","_type":"block","children":[{"_key":"14f09c3e346f","_type":"span","marks":[],"text":"Portfolio Manager Simon Gergel and his team are unapologetic income seekers, carefully selecting companies that they hope can maintain strong profit margins and increase dividends over time. 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Visit The Merchants Trusts’ website today to discover how The Merchants Trust can help build your income and grow your wealth over the long term."}],"markDefs":[],"style":"normal"},{"_key":"16e391537eb5","_type":"block","children":[{"_key":"7821a002d3130","_type":"span","marks":["em"],"text":""}],"markDefs":[],"style":"normal"}],"_key":"6686e8599042","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"partner":true,"reference":{"_ref":"47831403-8359-442d-9a6d-228f8174e049","_type":"reference"},"text":"VISIT SITE"},{"_key":"a37339e7a09b","_type":"block","children":[{"_key":"b6119c2d8f7f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e7c00b3b2796","_type":"block","children":[{"_key":"2c07e60a4da8","_type":"span","marks":[],"text":""},{"_key":"3a045beca655","_type":"mainAnchor","pageAnchor":{"_ref":"094d1a3e-f7bf-4543-a216-e6804a5653f3","_type":"reference"}},{"_key":"7400f049b056","_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":"274fef21dfed","_type":"span","marks":[],"text":""},{"_key":"1231ad32bbd9","_type":"mainAnchor","pageAnchor":{"_ref":"a2748707-923a-4ba0-b66d-cbe3a285ea46","_type":"reference"}},{"_key":"bfbdaaec0a78","_type":"span","marks":[],"text":"The pros of Investment Trusts"}],"markDefs":[],"style":"h2"},{"_key":"987121fd1d55","_type":"block","children":[{"_key":"b066335137b2","_type":"span","marks":[],"text":""},{"_key":"a106ca03e81d","_type":"mainAnchor","pageAnchor":{"_ref":"c61f58f5-a3e8-4203-9ded-6b3875fa2188","_type":"reference"}},{"_key":"46ad9aed4eea","_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":""},{"_key":"dc4de9583c83","_type":"mainAnchor","pageAnchor":{"_ref":"6fa81efd-82ed-42c2-a837-c792bcb22e99","_type":"reference"}},{"_key":"0cb280b89aeb","_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":""},{"_key":"d064746f773e","_type":"mainAnchor","pageAnchor":{"_ref":"794509b4-5361-4868-b0d0-39b68b1c15dc","_type":"reference"}},{"_key":"2c81483cd2e1","_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":"ec4985853e6e","_type":"span","marks":[],"text":""},{"_key":"d75330187d67","_type":"mainAnchor","pageAnchor":{"_ref":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"reference"}},{"_key":"22d77001232b","_type":"span","marks":[],"text":"The cons of Investment Trusts"}],"markDefs":[],"style":"h2"},{"_key":"a8124a8c29f3","_type":"block","children":[{"_key":"a20f416997cc","_type":"span","marks":[],"text":""},{"_key":"a54dc452d47f","_type":"mainAnchor","pageAnchor":{"_ref":"9b4cea8b-d750-4aa5-abff-0daffb6c21cb","_type":"reference"}},{"_key":"d46e98709f3a","_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 Net Asset Value (NAV)."}],"markDefs":[],"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":""},{"_key":"679fdad8c870","_type":"mainAnchor","pageAnchor":{"_ref":"44bb3d1e-b243-4451-81d3-20d682dadb53","_type":"reference"}},{"_key":"02eac03b2b4c","_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. 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"}],"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 risk associated with the portfolio."}],"markDefs":[],"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":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}},{"_key":"273a55746902","_type":"internalLinkPick","reference":{"_ref":"5a9228ba-a3c9-4551-a0fa-b89474ae2f42","_type":"reference"}},{"_key":"ec569ef2159a","_type":"internalLinkPick","reference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"}}],"style":"normal"},{"_key":"108dab8e98ad","_type":"block","children":[{"_key":"01a82620d156","_type":"span","marks":[],"text":""},{"_key":"5001fd32bfd9","_type":"mainAnchor","pageAnchor":{"_ref":"094d1a3e-f7bf-4543-a216-e6804a5653f3","_type":"reference"}},{"_key":"2c33a3ffbf610","_type":"span","marks":[],"text":"Are ready-made portfolios right for me?"}],"markDefs":[],"style":"h2"},{"_key":"0681f3e2bff9","_type":"prosConsWidget","cons":["Prefer to do your own research to make your perfect portfolio","Are looking for the lowest possible fees and/or charges"],"consTitle":"Bad if you","pros":["Are a beginner investor who wants an easy way to get started","Trust an expert to get better returns than if you did it yourself","Don’t mind paying a little bit extra for the convenience"],"prosTitle":"Good if you"},{"_key":"288f1bcc2990","_type":"quickSurveyChooser","surveyChoose":{"_ref":"c73dfa8f-7974-445e-aa78-adc83c3cfbda","_type":"reference"}},{"_key":"e04830d79fa9","_type":"block","children":[{"_key":"3288011845cc","_type":"span","marks":[],"text":""},{"_key":"090182776d6e","_type":"mainAnchor","pageAnchor":{"_ref":"a2748707-923a-4ba0-b66d-cbe3a285ea46","_type":"reference"}},{"_key":"affa5f3923f40","_type":"span","marks":[],"text":"The pros of ready-made portfolios"}],"markDefs":[],"style":"h2"},{"_key":"c9bfcdc5df66","_type":"block","children":[{"_key":"186b2974a8e7","_type":"span","marks":[],"text":""},{"_key":"9c6f00727f32","_type":"mainAnchor","pageAnchor":{"_ref":"25791fd1-2a35-483d-b268-2859edd81afa","_type":"reference"}},{"_key":"2fe435f7e50f","_type":"span","marks":[],"text":"✅ Straightforward and simple"}],"markDefs":[],"style":"h3"},{"_key":"415c83a8b6ca","_type":"block","children":[{"_key":"a8f63129557b","_type":"span","marks":[],"text":"You don’t have to do much to invest in a ready-made portfolio. 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":"b19a367e56990","_type":"span","marks":[],"text":"The cons of ready-made portfolios"}],"markDefs":[],"style":"h2"},{"_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":"a2ed30724981","_type":"block","children":[{"_key":"d971f6d3c5ce","_type":"span","marks":[],"text":""}],"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":"cee907087323","_type":"block","children":[{"_key":"2dcdaf90205e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4dfb663757e4","_type":"block","children":[{"_key":"8bd12e398357","_type":"span","marks":["em"],"text":"Source: Boring Money Data, correct as at 01/03/2026"}],"markDefs":[],"style":"small"},{"_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":"In simple terms, 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":"bec54f1c56fa","_type":"block","children":[{"_key":"bcf2f1a0038e","_type":"span","marks":[],"text":""}],"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":"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. 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There are no charges to set up your account and there’s no inactivity fee."}],"markDefs":[],"style":"normal"},{"_key":"e6b0b83b033f","_type":"block","children":[{"_key":"27ac53b918fa0","_type":"span","marks":[],"text":"You can set up an AJ Bell JISA with just a £250 initial lump sum or start with £25 monthly regular investing instalments for a discount on dealing charges."}],"markDefs":[],"style":"normal"}],"title":"AJ Bell JISA review"},{"_key":"6f1d1b2c31d3","_type":"block","children":[{"_key":"9b011f5b7d38","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"75a22685533f","_type":"block","children":[{"_key":"0a12567e344a","_type":"span","marks":[],"text":""},{"_key":"3d20deccc33e","_type":"mainAnchor","pageAnchor":{"_ref":"4e980c11-5605-4480-b5cf-9ef6d1970af0","_type":"reference"}},{"_key":"c2f59f19ba7f","_type":"span","marks":[],"text":"Fees and charges"}],"markDefs":[],"style":"h2"},{"_key":"11b8dc8a01ef","_type":"block","children":[{"_key":"f5057cde4ccf0","_type":"span","marks":[],"text":"When investing in stocks or funds, you'll typically encounter two main types of charges. 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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":"e39a2e3430b4","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_id":"5d7b7a10-93b8-4e8e-b898-eeb81f7bb976","_type":"information","_rev":"tog0wU1YHKUDgALpAlmmZ1","_createdAt":"2023-11-13T14:54:54Z","_updatedAt":"2024-12-20T10:04:12Z","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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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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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. 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There are no charges to set up your account and there’s no inactivity fee."}],"markDefs":[],"style":"normal"},{"_key":"e6b0b83b033f","_type":"block","children":[{"_key":"27ac53b918fa0","_type":"span","marks":[],"text":"You can set up an AJ Bell JISA with just a £250 initial lump sum or start with £25 monthly regular investing instalments for a discount on dealing charges."}],"markDefs":[],"style":"normal"}],"title":"AJ Bell JISA review"},{"_key":"6f1d1b2c31d3","_type":"block","children":[{"_key":"9b011f5b7d38","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"75a22685533f","_type":"block","children":[{"_key":"0a12567e344a","_type":"span","marks":[],"text":""},{"_key":"3d20deccc33e","_type":"mainAnchor","pageAnchor":{"_ref":"4e980c11-5605-4480-b5cf-9ef6d1970af0","_type":"reference"}},{"_key":"c2f59f19ba7f","_type":"span","marks":[],"text":"Fees and charges"}],"markDefs":[],"style":"h2"},{"_key":"11b8dc8a01ef","_type":"block","children":[{"_key":"f5057cde4ccf0","_type":"span","marks":[],"text":"When investing in stocks or funds, you'll typically encounter two main types of charges. 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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. 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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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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. As they're not controlled by central banks, cryptocurrencies tend to be highly volatile so prices can fluctuate frequently and significantly."}],"markDefs":[],"style":"normal"},{"_key":"4fd6edeaec1a","_type":"block","children":[{"_key":"1518ea976f720","_type":"span","marks":[],"text":"\n"}],"markDefs":[],"style":"normal"}],"title":"C"}]},{"_key":"4b6b7fd8b07b","_type":"block","children":[{"_key":"ada48575a2af","_type":"span","marks":[],"text":""},{"_key":"6530e9c4006c","_type":"mainAnchor","pageAnchor":{"_ref":"910b05df-3708-42e8-97a7-169bace209dc","_type":"reference"}},{"_key":"7b93e7b2e8c0","_type":"span","marks":[],"text":""},{"_key":"0bf5c2186bdc","_type":"mainAnchor","pageAnchor":{"_ref":"ad8b1420-9d8d-410a-b18d-2daa20381fcc","_type":"reference"}},{"_key":"e8b1e9b70cc5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dab1c4611b0a","_type":"dropdownWidget","items":[{"_key":"56026e1440db","_type":"dropdownObject","text":[{"_key":"b1a5d07b5519","_type":"block","children":[{"_key":"80c833b2a5e6","_type":"span","marks":[],"text":"Day trading"}],"markDefs":[],"style":"h4"},{"_key":"d456dd423bbd","_type":"block","children":[{"_key":"087683ad21d9","_type":"span","marks":[],"text":"Day trading is the practice of rapidly buying and selling shares throughout the day in the hope of making a profit as a result of small price fluctuations. 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. 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. Dividends can be paid out on a monthly, biannual or annual basis and are attractive to investors who want a regular source of income from their portfolio."}],"markDefs":[],"style":"normal"},{"_key":"4c75ea0167f5","_type":"block","children":[{"_key":"a588336ef627","_type":"span","marks":[],"text":"Dividend Tax"}],"markDefs":[],"style":"h4"},{"_key":"fb9b962ffb9c","_type":"block","children":[{"_key":"505efaba78bd","_type":"span","marks":[],"text":"Dividend Tax is a type of tax you pay on any dividends you receive which exceed a certain threshold (£1,000 for the 2023-24 tax year). The rate of Dividend Tax payable depends on your usual tax bracket. The good news is that you don't need to worry about paying it if you invest through an ISA - because it's completely shielded from tax. 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However, let's say there was another company which had a share price of £300 but its dividends were also £3 - in this case, the dividend yield would be just 1%."}],"markDefs":[],"style":"normal"},{"_key":"e422ccc71322","_type":"block","children":[{"_key":"6dd3c3622cb6","_type":"span","marks":[],"text":"Drawdown"}],"markDefs":[],"style":"h4"},{"_key":"815a577048c1","_type":"block","children":[{"_key":"0e5db08726bf","_type":"span","marks":[],"text":"Drawdown is a method of accessing your pension which involves taking out money when you want to, as opposed to in regular intervals like with an annuity. Flexi-access drawdown is a type of drawdown that gives you the flexibility to withdraw as and when you choose while leaving the rest of your pension invested. Capped drawdown is less common but involves having a maximum amount you can withdraw from your pot each year."}],"markDefs":[],"style":"normal"},{"_key":"1a86b1810957","_type":"block","children":[{"_key":"90b1dd69c087","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"D"}]},{"_key":"8bffcbc2afc5","_type":"block","children":[{"_key":"ca78c9cc03f5","_type":"span","marks":[],"text":""},{"_key":"72158018629f","_type":"mainAnchor","pageAnchor":{"_ref":"8b17cc79-4360-4530-9922-0aad8843a36b","_type":"reference"}},{"_key":"243c743ccb0c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"abd9c07924b7","_type":"dropdownWidget","items":[{"_key":"ebb83dae0d6d","_type":"dropdownObject","text":[{"_key":"b8d8ae1df1a4","_type":"block","children":[{"_key":"b7f8f0496ec7","_type":"span","marks":[],"text":"Emerging market"}],"markDefs":[],"style":"h4"},{"_key":"988036eac608","_type":"block","children":[{"_key":"e6ce0d5aff4c","_type":"span","marks":[],"text":"An emerging market is a country with an economy considered to be at an earlier stage of development than a more established country - e.g. India compared to the USA. 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. They are small slices of a company which you can own and buy or sell on the stock market."}],"markDefs":[],"style":"normal"},{"_key":"141ae14822b1","_type":"block","children":[{"_key":"296f517ba03e","_type":"span","marks":[],"text":"ESG"}],"markDefs":[],"style":"h4"},{"_key":"f5d2b8a0a21b","_type":"block","children":[{"_key":"f5fee22e6598","_type":"span","marks":[],"text":"An acronym for Environmental, Social and Governance, ESG is a broad set of metrics often used to measure the perceived sustainability of an investment. 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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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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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. As they're not controlled by central banks, cryptocurrencies tend to be highly volatile so prices can fluctuate frequently and significantly."}],"markDefs":[],"style":"normal"},{"_key":"4fd6edeaec1a","_type":"block","children":[{"_key":"1518ea976f720","_type":"span","marks":[],"text":"\n"}],"markDefs":[],"style":"normal"}],"title":"C"}]},{"_key":"4b6b7fd8b07b","_type":"block","children":[{"_key":"ada48575a2af","_type":"span","marks":[],"text":""},{"_key":"6530e9c4006c","_type":"mainAnchor","pageAnchor":{"_ref":"910b05df-3708-42e8-97a7-169bace209dc","_type":"reference"}},{"_key":"7b93e7b2e8c0","_type":"span","marks":[],"text":""},{"_key":"0bf5c2186bdc","_type":"mainAnchor","pageAnchor":{"_ref":"ad8b1420-9d8d-410a-b18d-2daa20381fcc","_type":"reference"}},{"_key":"e8b1e9b70cc5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dab1c4611b0a","_type":"dropdownWidget","items":[{"_key":"56026e1440db","_type":"dropdownObject","text":[{"_key":"b1a5d07b5519","_type":"block","children":[{"_key":"80c833b2a5e6","_type":"span","marks":[],"text":"Day trading"}],"markDefs":[],"style":"h4"},{"_key":"d456dd423bbd","_type":"block","children":[{"_key":"087683ad21d9","_type":"span","marks":[],"text":"Day trading is the practice of rapidly buying and selling shares throughout the day in the hope of making a profit as a result of small price fluctuations. 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. 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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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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"}],"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":"797dda2c8bea","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_id":"5d7b7a10-93b8-4e8e-b898-eeb81f7bb976","_type":"information","_rev":"tog0wU1YHKUDgALpAlmmZ1","_createdAt":"2023-11-13T14:54:54Z","_updatedAt":"2024-12-20T10:04:12Z","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. Actively managed investments are different from passive investments."}],"markDefs":[],"style":"normal"},{"_key":"8a51ed8d3cb6","_type":"block","children":[{"_key":"2ad7da7a77c4","_type":"span","marks":[],"text":"Alpha"}],"markDefs":[],"style":"h4"},{"_key":"38ae0c3ea765","_type":"block","children":[{"_key":"b887c801ca5f0","_type":"span","marks":[],"text":"Alpha is how much better (or worse) an investment performs compared to what you'd expect it to perform, considering its risk level."}],"markDefs":[],"style":"normal"},{"_key":"036f3b595cd1","_type":"block","children":[{"_key":"e91a4879862a0","_type":"span","marks":[],"text":"Think of it like this: If you're taking on a certain amount of risk with an investment, there's a typical return you should expect. Alpha tells you if you're getting more or less than that expected return. 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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Make sure to read our full "},{"_key":"5d6ef5041e5b","_type":"span","marks":["48419dd61263"],"text":"LISA guide"},{"_key":"c6730f63aadb","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"48419dd61263","_type":"internalLinkPick","reference":{"_ref":"f87e514a-5bd1-4a7c-95cd-f1676e520028","_type":"reference"}}],"style":"normal"},{"_key":"91d90fb22c8d","_type":"block","children":[{"_key":"b19c8d8e33b60","_type":"span","marks":[],"text":"You can open a Hargreaves Lansdown LISA with a £100 initial lump sum or £25 regular monthly installments."}],"markDefs":[],"style":"normal"},{"_key":"167746efb67f","_type":"block","children":[{"_key":"92ee63bd2449","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"}],"title":"Hargreaves Lansdown LISA review"},{"_key":"79ea3628e56d","_type":"block","children":[{"_key":"2da2dd44276c","_type":"span","marks":[],"text":""},{"_key":"8c88399f152e","_type":"mainAnchor","pageAnchor":{"_ref":"ee27d09d-a3cd-4792-9e2a-c3c517b2e0b2","_type":"reference"}},{"_key":"4248ff4d1967","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a0b345810fd2","_type":"textboxWidget","text":[{"_key":"39d0b591ba1b","_type":"block","children":[{"_key":"83f84237eb81","_type":"span","marks":[],"text":"Hargreaves Lansdown has a "},{"_key":"f4137cbee9bb","_type":"span","marks":["1ea80123d681"],"text":"Stocks & Shares Junior ISA"},{"_key":"54d4dad2cf29","_type":"span","marks":[],"text":", where you can invest up to £9,000 every tax year on behalf of your children or grandchildren."}],"markDefs":[{"_key":"1ea80123d681","_type":"internalLinkPick","reference":{"_ref":"d5b77d3e-daa0-4a42-ba55-c68b5fce8fff","_type":"reference"}}],"style":"normal"},{"_key":"7bd838695165","_type":"block","children":[{"_key":"b883b963d9f70","_type":"span","marks":[],"text":"HL charge no fees for its JISA offering, with zero holding and dealing charges making the JISA completely free. This makes it a no-brainer for those looking to open up an account for their little one."}],"markDefs":[],"style":"normal"},{"_key":"d65c397eb626","_type":"block","children":[{"_key":"efd592a769710","_type":"span","marks":[],"text":"Remember, you will still need to pay management fees for the actual investment product as these are charged by the third-party asset manager, however depending on what kind of investment you pick, these could be as low as 0.10%."}],"markDefs":[],"style":"normal"},{"_key":"ce9ef5c751e3","_type":"block","children":[{"_key":"d10a86d03dd1","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"}],"title":"Hargreaves Lansdown JISA review"},{"_key":"070c9b47235a","_type":"block","children":[{"_key":"7f823b20c5fb","_type":"span","marks":[],"text":""},{"_key":"4172b80a4f80","_type":"mainAnchor","pageAnchor":{"_ref":"4e980c11-5605-4480-b5cf-9ef6d1970af0","_type":"reference"}},{"_key":"9159488031bb","_type":"span","marks":[],"text":"Fees and charges"}],"markDefs":[],"style":"h2"},{"_key":"be658a598dfe","_type":"block","children":[{"_key":"bb90f9013b8d0","_type":"span","marks":[],"text":"The cost of investing with Hargreaves Lansdown differs depending on which type of account you have, your invested amount, and the nature and number of transactions you make. 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A fund dealing charge refers to the cost of buying or selling a fund. "}],"markDefs":[],"style":"normal"},{"_key":"3d59c589c81f","_type":"block","children":[{"_key":"8ed900a52b52","_type":"span","marks":[],"text":"*A share platform charge refers to fees charged for holding an investment in listed securities (e.g. shares, ETFs, bonds). A share dealing charge refers to the the cost of buying or selling a listed security. The share dealing charge will vary depending on the amount of trades made in the previous month. "}],"markDefs":[],"style":"normal"},{"_key":"9d0ecc927897","_type":"block","children":[{"_key":"d73e16ee3bec","_type":"span","marks":[],"text":"Hargreaves Lansdown LISA fees"}],"markDefs":[],"style":"h4"},{"_key":"2079147f8c18","_type":"block","children":[{"_key":"880f8ba027790","_type":"span","marks":[],"text":"The platform charge drops from 0.35% to 0.25% for LISAs. 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However, some more negative reviews are critical of Hargreaves Lansdown’s “higher” and more complex fees and its lack of transparency over the Woodford scandal."}],"markDefs":[],"style":"normal"},{"_key":"8a557a2e5c3e","_type":"yourRatingWidget","company":{"_ref":"5dea75a9-467b-4fc5-a1bb-1b5007297b52","_type":"reference"}},{"LeftSideText":[{"_key":"af83af4a837d","_type":"block","children":[{"_key":"3ec73b59c4cd","_type":"span","marks":["strong"],"text":"Your opinion matters!"}],"markDefs":[],"style":"normal"},{"_key":"cb525d3d1967","_type":"block","children":[{"_key":"107168d05712","_type":"span","marks":[],"text":"Leave a review for Hargreaves Lansdown "}],"markDefs":[],"style":"normal"}],"_key":"ff9311ae39fb","_type":"companyReviewWidget","buttonText":"RATE PROVIDER","company":{"_ref":"9c7f704c-4cba-4209-92f9-9f8a5c442695","_type":"reference"}},{"_key":"0a2829b83fc9","_type":"block","children":[{"_key":"777bc98560c8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"af12ae4436b2","_type":"providerReviewsWidget","company":{"_ref":"9c7f704c-4cba-4209-92f9-9f8a5c442695","_type":"reference"},"companyReviewPageReference":{"_ref":"3effa6a0-56a0-4d8a-92e9-d91acdb74695","_type":"reference"}},{"_key":"fc31ceb772a4","_type":"block","children":[{"_key":"d31cedfb3a09","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e3383edbbb66","_type":"block","children":[{"_key":"a139b53d8266","_type":"span","marks":[],"text":""},{"_key":"d43b8b7426fa","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"4c0140787df6","_type":"span","marks":[],"text":"Most asked questions"}],"markDefs":[],"style":"h2"},{"_key":"b8be42c9ee7e","_type":"block","children":[{"_key":"6cd5a6bf02aa","_type":"span","marks":[],"text":""},{"_key":"a9e264e20346","_type":"mainAnchor","pageAnchor":{"_ref":"d1046785-69e9-496b-ad81-606ac5827160","_type":"reference"}},{"_key":"5d1c18b8c64d","_type":"span","marks":[],"text":" Is Hargreaves Lansdown safe?"}],"markDefs":[],"style":"h3"},{"_key":"f28c01d58e05","_type":"block","children":[{"_key":"ea42307c2d0d0","_type":"span","marks":[],"text":"Cash savings with Hargreaves Lansdown are covered by the UK government’s Financial Services Compensation Scheme (FSCS), which guarantees reimbursement up to the value of £120,000 per person in the event that Hargreaves Lansdown fails. Any amount above this threshold is unlikely to be covered. Investments with Hargreaves Lansdown, on the other hand, are not guaranteed - by their nature, investments can and will go up and down in value."}],"markDefs":[],"style":"normal"},{"_key":"a647d0488487","_type":"block","children":[{"_key":"0ad00f7a8185","_type":"span","marks":[],"text":""},{"_key":"785f20fec7f0","_type":"mainAnchor","pageAnchor":{"_ref":"565edaa6-ad24-4e23-9720-11938d4dd074","_type":"reference"}},{"_key":"503b8ba70eeb","_type":"span","marks":[],"text":"Who owns Hargreaves Lansdown?"}],"markDefs":[],"style":"h3"},{"_key":"95bdd4eacd93","_type":"block","children":[{"_key":"ba845b266def0","_type":"span","marks":[],"text":"Hargreaves Lansdown was co-founded by Peter Hargreaves and Stephen Lansdown in 1981. 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is an OK option if you bank here and want some easy investment options which have been assembled for you, offering an easy way to invest in an ISA whilst knowing that it's being well looked after. Those who want to pick and choose, build up a portfolio, and maybe also sort a DIY pension should look elsewhere."}],"markDefs":[],"style":"normal"}]},{"_key":"8c87940805fd","_type":"block","children":[{"_key":"eb1e19338d3b","_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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You can choose to invest in one of their regular or sustainable portfolios, starting at £50 a month."}],"markDefs":[{"_key":"55708772e935","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"ce804c75fa36","_type":"block","children":[{"_key":"4962a2818d410","_type":"span","marks":[],"text":"For less confident investors looking for the security of a big brand bank and some handholding along the way, HSBC’s Stocks and Shares ISA is a good start."}],"markDefs":[],"style":"normal"},{"_key":"2f2fc7194a53","_type":"block","children":[{"_key":"c6e213b201b00","_type":"span","marks":[],"text":"For more confident investors, HSBC offers a Global Investment Centre (GIC), which is the name for their General Investment Account (GIA). 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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. 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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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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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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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It only offers ready-made portfolios, split across the six different investment styles which we mentioned earlier."}],"markDefs":[],"style":"normal"},{"_key":"c5a1b9df063a","_type":"block","children":[{"_key":"16d29e261786","_type":"span","marks":[],"text":""},{"_key":"5cf60b6491a8","_type":"mainAnchor","pageAnchor":{"_ref":"ae6ce72e-cd92-44fd-b1de-60a9b92b7588","_type":"reference"}},{"_key":"5e94a1ed7a3e","_type":"span","marks":[],"text":"Do I pay tax on money invested with J.P. Morgan Personal Investing?"}],"markDefs":[],"style":"h3"},{"_key":"0c4ba90f2fd6","_type":"block","children":[{"_key":"66fae429ec350","_type":"span","marks":[],"text":"You may need to pay tax if you invest with J.P. Morgan Personal Investing. However, if and how much depends on a number of factors including which type of J.P. 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However, if you’ve got a General Investment Account (which is liable for tax), you may find that you do need to pay taxes such as Capital Gains Tax (CGT) or Dividend Tax, depending on the amount of income earned in a given tax year."}],"markDefs":[],"style":"normal"},{"_key":"c78b70932ea8","_type":"block","children":[{"_key":"8b68410b07020","_type":"span","marks":[],"text":"For more information about how investments are taxed, read our article "},{"_key":"61889d16d482","_type":"span","marks":["e6d644d162f5","em"],"text":"Three taxes to know about if you’re an investor"},{"_key":"7135989a3f61","_type":"span","marks":["em"],"text":"."}],"markDefs":[{"_key":"e6d644d162f5","_type":"internalLinkPick","reference":{"_ref":"f3572f56-1a7d-4e37-9bf1-381c91ad5ecc","_type":"reference"}}],"style":"normal"},{"_key":"980e0b5f1e3f","_type":"block","children":[{"_key":"5dee9ca74fd1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"68baa1adc2de","_type":"block","children":[{"_key":"71e021791ac2","_type":"span","marks":["strong"],"text":"Visit the J.P. 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Morgan Personal Investing - Homepage","url":"https://click.linksynergy.com/fs-bin/click?id=JlABfED0Rao&offerid=1323120.170&type=3&subid=0","id":"-30a10b96-54fd-5504-9aac-737723d36cba","children":[],"parent":null},"text":"VISIT SITE "},{"_key":"5649f23743cd","_type":"block","children":[{"_key":"0b07441511e7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2b95a854d767","_type":"block","children":[{"_key":"1b0ae7edee45","_type":"span","marks":[],"text":""},{"_key":"a642f01263ab","_type":"mainAnchor","pageAnchor":{"_ref":"08f91d37-f8e6-4d45-bf2f-c8d9fb950e62","_type":"reference"}},{"_key":"70354450f5230","_type":"span","marks":[],"text":"Glossary"}],"markDefs":[],"style":"h2"},{"LeftSideText":[{"_key":"fee6100bb3ec","_type":"block","children":[{"_key":"e8efc3d7ce4a","_type":"span","marks":["strong"],"text":"Not 100% sure you understand something we’ve written in this review? "}],"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":"d97ac45dd66a","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_id":"5d7b7a10-93b8-4e8e-b898-eeb81f7bb976","_type":"information","_rev":"tog0wU1YHKUDgALpAlmmZ1","_createdAt":"2023-11-13T14:54:54Z","_updatedAt":"2024-12-20T10:04:12Z","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. Actively managed investments are different from passive investments."}],"markDefs":[],"style":"normal"},{"_key":"8a51ed8d3cb6","_type":"block","children":[{"_key":"2ad7da7a77c4","_type":"span","marks":[],"text":"Alpha"}],"markDefs":[],"style":"h4"},{"_key":"38ae0c3ea765","_type":"block","children":[{"_key":"b887c801ca5f0","_type":"span","marks":[],"text":"Alpha is how much better (or worse) an investment performs compared to what you'd expect it to perform, considering its risk level."}],"markDefs":[],"style":"normal"},{"_key":"036f3b595cd1","_type":"block","children":[{"_key":"e91a4879862a0","_type":"span","marks":[],"text":"Think of it like this: If you're taking on a certain amount of risk with an investment, there's a typical return you should expect. Alpha tells you if you're getting more or less than that expected return. 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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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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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. 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Alternatively, PensionBee suggests people can use the government’s free "},{"_key":"80e4db1ca6a7","_type":"span","marks":["dea92007762d"],"text":"Pension Tracing Service"},{"_key":"0dbe3691dc84","_type":"span","marks":[],"text":" to search for details of old pension schemes."}],"markDefs":[{"_key":"cd543fdbe6f2","_type":"internalLinkPick","reference":{"_ref":"56568dfc-3d44-4e1d-81a4-767b8556ecc0","_type":"reference"}},{"_key":"dea92007762d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"68b30088-39bf-4f3f-a7a6-b38108b163ed","_type":"reference"}}],"style":"normal"},{"_key":"fae72b55fa83","_type":"block","children":[{"_key":"aa41ddfa7dba","_type":"span","marks":[],"text":""},{"_key":"293635bbfe80","_type":"mainAnchor","pageAnchor":{"_ref":"d03cc619-c9e7-4fb3-875a-23822616f0a5","_type":"reference"}},{"_key":"7b7748aafdf80","_type":"span","marks":["strong"],"text":"Can I withdraw my pension from PensionBee?"}],"markDefs":[],"style":"h3"},{"_key":"8ab151c65f58","_type":"block","children":[{"_key":"1ea0a394605c0","_type":"span","marks":[],"text":"Yes, you can withdraw your pension from PensionBee. 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PensionBee has numerous online tools which can help you decide whether to go for drawdown or an annuity, including a "},{"_key":"46897f3f3e61","_type":"span","marks":["0b62e6e7209b"],"text":"drawdown calculator"},{"_key":"e3b197cfb70d","_type":"span","marks":[],"text":" and a suite of articles and videos to help you choose."}],"markDefs":[{"_key":"0b62e6e7209b","_type":"internalLinkPick","blank":true,"reference":{"_ref":"7bdb7576-434b-46cb-8d53-fb0341cfdb4a","_type":"reference"}}],"style":"normal"},{"_key":"a87dc1dcd512","_type":"block","children":[{"_key":"a3f654fe038f","_type":"span","marks":[],"text":""},{"_key":"15e908d78afb","_type":"mainAnchor","pageAnchor":{"_ref":"4e980c11-5605-4480-b5cf-9ef6d1970af0","_type":"reference"}},{"_key":"75ac579b22660","_type":"span","marks":["strong"],"text":"Does PensionBee cost anything?"}],"markDefs":[],"style":"h3"},{"_key":"26c1196cd099","_type":"block","children":[{"_key":"fd060ae98a320","_type":"span","marks":[],"text":"PensionBee does not charge anything to transfer existing pensions and does not charge any exit fees if you choose to move your money out of a PensionBee account. Bear in mind, however, that your current pension provider may charge exit fees – these can be as high as 10%, so it’s well worth checking the small print in case you decide it’s not worth the cost of transferring."}],"markDefs":[],"style":"normal"},{"_key":"51ab8b035b9e","_type":"block","children":[{"_key":"2b768794527b0","_type":"span","marks":[],"text":"PensionBee does charge a single annual management fee. This varies depending on which PensionBee plan you opt for and ranges from 0.50% to 0.95%. The fee is halved for the portion of your pot which is over £100,000."}],"markDefs":[],"style":"normal"},{"_key":"998a0462c333","_type":"block","children":[{"_key":"d4c35fa6b4980","_type":"span","marks":[],"text":"There is also a 0.04% transaction fee that is triggered whenever you buy or sell a fund with PensionBee and an early withdrawal fee of £150."}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"e7b2e7d78435","_type":"block","children":[{"_key":"0a81a29c7ffd","_type":"span","marks":["strong"],"text":"Visit the PensionBee website for more information"}],"markDefs":[],"style":"normal"}],"_key":"e56cf0904f5c","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"partner":true,"reference":{"_id":"2767ef05-2efc-45ce-b6fc-f454d0e44a3b","_type":"linkCategory","_rev":"9Tq6pzYPBwhEYUkGxBI3tk","_createdAt":"2024-10-11T14:09:01Z","_updatedAt":"2026-03-16T11:46:49Z","_system":{"base":{"id":"2767ef05-2efc-45ce-b6fc-f454d0e44a3b","rev":"57EMnMDl2Y1cYcN30qcrZu"}},"description":"PensionBee UTM for affiliate content package","url":"https://www.pensionbee.com/","id":"-cad77299-86ba-51d8-800b-91b3ec743235","children":[],"parent":null},"text":"VISIT SITE"},{"_key":"04ff1e9ce3ec","_type":"block","children":[{"_key":"e2fd9052d317","_type":"span","marks":[],"text":""},{"_key":"be3728a15220","_type":"mainAnchor","pageAnchor":{"_ref":"08f91d37-f8e6-4d45-bf2f-c8d9fb950e62","_type":"reference"}},{"_key":"7a3a234e7691","_type":"span","marks":[],"text":"Glossary"}],"markDefs":[],"style":"h2"},{"LeftSideText":[{"_key":"fee6100bb3ec","_type":"block","children":[{"_key":"e8efc3d7ce4a","_type":"span","marks":["strong"],"text":"Not 100% sure you understand something we’ve written in this review? "}],"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":"c66b50ea2d40","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_id":"5d7b7a10-93b8-4e8e-b898-eeb81f7bb976","_type":"information","_rev":"tog0wU1YHKUDgALpAlmmZ1","_createdAt":"2023-11-13T14:54:54Z","_updatedAt":"2024-12-20T10:04:12Z","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. Actively managed investments are different from passive investments."}],"markDefs":[],"style":"normal"},{"_key":"8a51ed8d3cb6","_type":"block","children":[{"_key":"2ad7da7a77c4","_type":"span","marks":[],"text":"Alpha"}],"markDefs":[],"style":"h4"},{"_key":"38ae0c3ea765","_type":"block","children":[{"_key":"b887c801ca5f0","_type":"span","marks":[],"text":"Alpha is how much better (or worse) an investment performs compared to what you'd expect it to perform, considering its risk level."}],"markDefs":[],"style":"normal"},{"_key":"036f3b595cd1","_type":"block","children":[{"_key":"e91a4879862a0","_type":"span","marks":[],"text":"Think of it like this: If you're taking on a certain amount of risk with an investment, there's a typical return you should expect. Alpha tells you if you're getting more or less than that expected return. 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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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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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. 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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":"e7604df665bb","_type":"block","children":[{"_key":"6f11e23997020","_type":"span","marks":[],"text":"At this point, PensionBee gives you a choice of two ways to access the funds in your pension pot – either to make flexible lump sum withdrawals (typically called ‘drawdown’) or to purchase an annuity (an agreed annual income based on the value of your pot) which is provided by Legal & General."}],"markDefs":[],"style":"normal"},{"_key":"2b476287e8aa","_type":"block","children":[{"_key":"6818ed6c8f2f0","_type":"span","marks":[],"text":"Choosing how to access your pension is an extremely important decision. After all, this determines the flow of income into your bank account when you’re retired. 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