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More on these later."}],"markDefs":[],"style":"normal"},{"_key":"90feae1f7eb6","_type":"block","children":[{"_key":"1915aec3fabb","_type":"span","marks":[],"text":""},{"__inline":true,"_key":"5ccd7b870fec","_type":"mainAnchor","children":[{"_key":"ut1xgBnP3A4eT38f4GGbAL","text":""}],"pageAnchor":{"_id":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"anchorCategory","_rev":"DmK61VtPyEhMsfOjcsZCmQ","_createdAt":"2022-02-14T09:08:36Z","_updatedAt":"2022-02-14T09:08:36Z","AnchorName":"funds/arefundsrightforme?","id":"-ef3fd67b-da5f-547e-b5cb-829992bc160c","children":[],"parent":null},"value":{"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"}}},{"_key":"3fc8bd064d62","_type":"span","marks":[],"text":"Are funds right for me?"}],"markDefs":[],"style":"h2"},{"_key":"f4e25a5df60e","_type":"block","children":[{"_key":"fa0bcaef29cd","_type":"span","marks":[],"text":"On average, investors hold 49% of their investments in funds, making them one of the most popular investment vehicles out there. But are funds really the right option for you? "}],"markDefs":[],"style":"normal"},{"_key":"fed979756bbe","_type":"block","children":[{"_key":"64b6ad599651","_type":"span","marks":[],"text":"If you prefer the freedom and flexibility of choosing which companies to invest in, shares may be a better choice. However, funds can also be highly diversified, which means your investments might be spread across different regions, sectors and assets. This reduces the risk of any one event, such as a political crisis in a single region, having a significant impact on your investments."}],"markDefs":[],"style":"normal"},{"_key":"e1ad6cc3a02a","_type":"block","children":[{"_key":"a8b55972e4dd","_type":"span","marks":[],"text":"So really it comes down to your personal preference. Here's a round-up of some of the main pros and cons to help you decide if investing in funds is the right choice for you."}],"markDefs":[],"style":"normal"},{"_key":"434d193075a7","_type":"block","children":[{"_key":"0e7fe5da01de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4bc700b962a5","_type":"prosConsWidget","cons":["Don't want to pay a fee","Want to pick your own shares","Want to trade regularly"],"consTitle":"Bad if you ","pros":["Want a broad mix of different shares","Want to invest abroad too","Aren't a whizz trader "],"prosTitle":"Good if you"},{"_key":"48067afe70fe","_type":"block","children":[{"_key":"0361b14633a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cec017f1a38c","_type":"block","children":[{"_key":"172137ada71e","_type":"span","marks":[],"text":""},{"_key":"de53e982c4a9","_type":"mainAnchor","pageAnchor":{"_id":"60941be5-1a4f-426e-b588-7699bee46271","_type":"anchorCategory","_rev":"3Wq67lOYe6sY0zlf1Hr5f2","_createdAt":"2023-05-22T15:36:21Z","_updatedAt":"2023-05-22T15:36:21Z","AnchorName":"whyinvestinafund","id":"-e9a67a08-aa87-5f0a-836d-61514c0ffaa1","children":[],"parent":null}},{"_key":"87cf346319c6","_type":"span","marks":[],"text":"Why invest in a fund?"}],"markDefs":[],"style":"h2"},{"_key":"93dc72ad81a4","_type":"block","children":[{"_key":"3338ff4b26c50","_type":"span","marks":[],"text":"A fund is simply the compilation album of the investing world! It’s a nice way to get someone at the sharp end of finance to pick and manage your investments from the bewildering array of bonds and shares on the market. Let’s give a really simple example. "}],"markDefs":[],"style":"normal"},{"_key":"a9403754dc28","_type":"block","children":[{"_key":"01c95b2b86ac","_type":"span","marks":[],"text":"If we ran the Boring Money UK Shares Fund (which we don’t), we might look at all the UK shares out there and say that HSBC, Shell, ITV and GlaxoSmithKline make the grade. And add them to our investment mix. But chuck out Barclays and Burberry and Sainsburys (all random examples by the way, not tips!). "}],"markDefs":[],"style":"normal"},{"_key":"7669a7ac791c","_type":"block","children":[{"_key":"d7e81010a760","_type":"span","marks":[],"text":"We’d end up with, say, 50 shares in our compilation album, which we bought for £1 each in our pretend world. So our fund would be worth £50. And we might sell 50 units to people for £1 each. "}],"markDefs":[],"style":"normal"},{"_key":"786bce77dbb8","_type":"block","children":[{"_key":"da65bc2f373e","_type":"span","marks":[],"text":"The benefit is that for a small investment of just £1, our investors would have a teeny fraction of an investment in 50 different British companies. And we would run and manage this pool of investments for you - so no need to get the calculator out and crunch any numbers!"}],"markDefs":[],"style":"normal"},{"_key":"985ff58d82e6","_type":"block","children":[{"_key":"2ad32b5454aa","_type":"span","marks":[],"text":"There are thousands of funds out there, all with different flavours, and they're among the best ways to get expert help on picking the right investments."}],"markDefs":[],"style":"normal"},{"_key":"362c2e7dfc09","_type":"block","children":[{"_key":"d766349dbf40","_type":"span","marks":[],"text":""},{"_key":"364cd3c1e445","_type":"mainAnchor","pageAnchor":{"_id":"a5632083-6993-47e2-9bc1-07d0a86ad84c","_type":"anchorCategory","_rev":"P1sInOyh7GOacwqEjXkr9I","_createdAt":"2024-11-12T14:54:29Z","_updatedAt":"2024-11-12T14:54:35Z","AnchorName":"fundstructures","id":"-4ae691ba-01ea-587c-aef0-52c62924204c","children":[],"parent":null}},{"_key":"0a68034d99f40","_type":"span","marks":[],"text":"The three main fund structures "}],"markDefs":[],"style":"h2"},{"_key":"4b7b2b21499a","_type":"block","children":[{"_key":"5d8b72478bbb","_type":"span","marks":[],"text":""},{"_key":"e02338579d1e","_type":"mainAnchor","pageAnchor":{"_id":"bcd041ed-8ed5-4fc7-8abd-21ee28def30c","_type":"anchorCategory","_rev":"P1sInOyh7GOacwqEjXc1ob","_createdAt":"2024-11-12T14:48:42Z","_updatedAt":"2024-11-12T14:48:44Z","AnchorName":"mutualfund","id":"-1e1c5e33-c27e-5fae-b6f2-969478ed60ec","children":[],"parent":null}},{"_key":"6c2a9ecc53f30","_type":"span","marks":[],"text":"1. Mutual fund – also known as an open-ended fund, OEIC or UCITS fund"}],"markDefs":[],"style":"h3"},{"_key":"3460d916f7b2","_type":"block","children":[{"_key":"0325a805ebd40","_type":"span","marks":[],"text":"A mutual fund combines money from multiple investors, which a professional manager invests according to the fund’s goals, such as growth or income, often focusing on specific sectors like European stocks or technology. Being “open-ended,” the fund can adjust its shares based on investor activity, with its value matching the combined value of its holdings. 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Legal & General Gold Mining UCITS ETF (AUCP) came out on top, followed by HAN AuAg ESG Gold Mining UCITS ETF (ESGP) and VanEck Junior Gold Miners UCITS ETF A (GJGB) ."}],"markDefs":[],"style":"normal"},{"_key":"f89a3c3cdec9","_type":"block","children":[{"_key":"e005fb719dd0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"89856e904c5a","_type":"block","children":[{"_key":"1f31aea077f6","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"1410b2d652e0","_type":"block","children":[{"_key":"1c3a2a81a06c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6dccf9395bea","_type":"block","children":[{"_key":"54aa556b7107","_type":"span","marks":[],"text":"[1] FE Fund Analytics, data correct as at 1 October 2025."}],"markDefs":[],"style":"normal"}],"title":"What are the top-performing ETFs so far this year?"},{"_key":"9f637707d055","_type":"tabsTextboxItem","fullSizeImage":{"_type":"mainImage","blankAltTag":false},"image":{"_type":"mainImage","alt":"Why ETFs are great for diversifying your portfolio","asset":{"_ref":"image-4ca19a8bf8b422866c99a90ae5b5cc2ca52a1b50-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"ETFs are great for diversifying your investment portfolio because they can give you access to a wide range of investments all in one wrapper.","textParagraph":[{"_key":"2f7675e847bf","_type":"block","children":[{"_key":"540f34f8002a","_type":"span","marks":[],"text":"Why are ETFs great for diversifying your portfolio?"}],"markDefs":[],"style":"h3"},{"_key":"96c42ad287f0","_type":"block","children":[{"_key":"e5de1d31fe91","_type":"span","marks":[],"text":"You can think of an ETF like a shopping basket. Rather than running around a supermarket holding all the individual things you want to buy in your arms, an ETF is like a basket already filled with a bunch of groceries, all in one easy-to-carry box. A single ETF can invest in a range of assets, from shares to bonds and even property, allowing you to get exposure to an array of different investments in just one product!"}],"markDefs":[],"style":"normal"}],"title":"Why are ETFs great for diversifying your portfolio?"},{"_key":"f0a40928724a","_type":"tabsTextboxItem","image":{"_type":"mainImage","alt":"Do ETFs pay dividends?","asset":{"_ref":"image-606e402dba256c06fb35c8778052e9eaf4c7f647-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"ETFs which invest in shares receive dividends when those shares pay out, but this is not always passed onto the investor.","textParagraph":[{"_key":"f0ce99e88bff","_type":"block","children":[{"_key":"86f3b642e7cb","_type":"span","marks":[],"text":"Do ETFs pay dividends?"}],"markDefs":[],"style":"h3"},{"_key":"6df472772608","_type":"block","children":[{"_key":"9cab9cde834e","_type":"span","marks":[],"text":"Generally speaking, there are two ways that ETFs utilise dividends: reinvestment and payment. Some ETFs reinvest the income they receive from dividend payments by using it to purchase new assets, often the same share that paid out the dividend in the first place, in a process known as \"dividend growth investing\". The value of the ETF grows as the number of shares it owns increases, and this in turn increases the value of the shares of the ETF itself. Alternatively, an ETF can collate the dividends paid out by its underlying shares and distribute them directly back to the investors.\n"}],"markDefs":[],"style":"normal"}],"title":"Do ETFs pay dividends?"},{"_key":"80217e01ec32","_type":"tabsTextboxItem","image":{"_type":"mainImage","alt":"How many ETFs should you invest in?","asset":{"_ref":"image-a8461b923e5871fb7e40f368500e9321ec5e4b59-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"There is no limit to the number of ETFs you can have in your portfolio, but working out the right amount for you really depends on your investment strategy.","textParagraph":[{"_key":"cbbbf3987249","_type":"block","children":[{"_key":"8daabbae17cf","_type":"span","marks":[],"text":"How many ETFs should you invest in?"}],"markDefs":[],"style":"h3"},{"_key":"08041120dfe2","_type":"block","children":[{"_key":"9e4030387cf6","_type":"span","marks":[],"text":"First of all, remember that each ETF you own will likely invest in at least 20-30 stocks, and sometimes more. 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In addition, the majority of ETFs are passive, whereas most mutual funds are actively-managed and therefore charge slightly higher fees."}],"markDefs":[],"style":"normal"}],"title":"What's the difference between an ETF and a mutual fund?"}]},{"_key":"b4b5464dd4d6","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"d9404f36ac4c","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"420fc5c541ef","_type":"block","children":[{"_key":"4cb319c7c9eb0","_type":"span","marks":[],"text":"‏‏‎ETF related articles"}],"markDefs":[],"style":"h2"},{"_key":"345b66d43fcb","_type":"block","children":[{"_key":"3d924c463a8e0","_type":"span","marks":[],"text":"Dive deeper into our handy articles - on everything from the best-selling ETFs of the month to the latest themes trending in the ETF sector!"}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent","title":"‏‏‎ETF related articles"},{"CategoryMultiSelect":[{"_key":"975cd9737787","_ref":"a9695476-b643-4a18-be2a-e8dbf3420afd","_type":"reference"}],"_key":"04711d8f6150","_type":"latestArticlesBlock","articleCount":"9","contentType":"articles+info","styles":"Grey-Transparent"},{"_key":"b0d60aea40207127bc6f9208209a79d2","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"625b46bcd55f","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"b97cfd651a35","_type":"block","children":[{"_key":"6109e8631393","_type":"span","marks":[],"text":"Your investing questions answered"}],"markDefs":[],"style":"h3"},{"_key":"07b484da9e11","_type":"block","children":[{"_key":"2ff5262ec663","_type":"span","marks":["strong"],"text":"You've been writing in to ask us how you can make your money work harder. 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The two most common assets are bonds and shares, but what actually are they?"}],"markDefs":[],"style":"normal"},{"_key":"112a4d6cbc9f","_type":"block","children":[{"_key":"c6616cbb00f7","_type":"span","marks":[],"text":"What is a bond?"}],"markDefs":[],"style":"h3"},{"_key":"55297b26fffd","_type":"block","children":[{"_key":"f9ec30e1d7d7","_type":"span","marks":[],"text":"Owning a bond is kind of getting an IOU from a government or a company – you buy their bond and you’re lending them money. The dicier the prospect of getting your cash back, the more ‘interest’ they will pay you to compensate for the risk. So an Ecuadorian mining company bond would pay a gazillion times more than the relatively staid UK government, for example. It’s a riskier loan so they’ll compensate you more for taking this extra risk. "}],"markDefs":[],"style":"normal"},{"_key":"ad246f1d9a03","_type":"block","children":[{"_key":"d33daf52853b","_type":"span","marks":[],"text":"Bonds are influenced by interest rates, so they’re behaving a bit weirdly at the moment. If you lend the UK government money for 10 years, they’ll pay you about 4% (at the time of writing). And inflation is hovering around the 10% mark. So you’ll see why bonds are paying attractive rates at the moment - the UK economy is currently grappling with the risk of high inflation!"}],"markDefs":[],"style":"normal"},{"_key":"66a2cb7a79bb","_type":"block","children":[{"_key":"f67dc90952da","_type":"span","marks":[],"text":"What is a share?"}],"markDefs":[],"style":"h3"},{"_key":"42ec8b2bfea7","_type":"block","children":[{"_key":"d7677c521ef0","_type":"span","marks":[],"text":"Shares are also known as ‘equities’ or ‘stocks’. If you own shares, you buy little pieces of the world’s biggest companies. And tie your fortunes to theirs. It's these shares that make up the majority of most funds. "}],"markDefs":[],"style":"normal"},{"_key":"87391d64e98f","_type":"block","children":[{"_key":"50f803a42246","_type":"span","marks":[],"text":"As a rule of thumb, most ‘equity’ focused funds will have about 40-60 shares in them, although some fund managers have fewer, sticking to their convictions more about which shares are duds and which ones are winners. "}],"markDefs":[],"style":"normal"},{"_key":"230865d11ff5","_type":"block","children":[{"_key":"81251b61e60c","_type":"span","marks":[],"text":"Shares are also one of the few investments where you can get a decent income. Companies often pay out a share of their profits as dividends. The key is to look for an ‘equity income’ fund. Pick the right one and you could get an income of around 3-4% a year!"}],"markDefs":[],"style":"normal"},{"_key":"06e377758cad","_type":"block","children":[{"_key":"d4019195a987","_type":"span","marks":[],"text":"The balance between bonds and shares"}],"markDefs":[],"style":"h3"},{"_key":"46cf69523ea8","_type":"block","children":[{"_key":"d519404d9cb6","_type":"span","marks":[],"text":"Many suggest diversifying, which means a sort-of Combo Meal of bonds "},{"_key":"a61d5d5863e0","_type":"span","marks":["em"],"text":"and "},{"_key":"2e722c7e508b","_type":"span","marks":[],"text":"shares. Over the long-term, bonds are usually seen as safer and less choppy than shares, but many believe they will make you less over the long-run too. On the other hand, the stock market can potentially make you profit over the longer-term, but can come with significant short-term risk."}],"markDefs":[],"style":"normal"},{"_key":"c973c0042a75","_type":"block","children":[{"_key":"c0025ecc2c48","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c1f67febb327","_type":"prosConsWidget","pros":["You're nearing retirement age","You're not keen on stock market risk"],"prosTitle":"BONDS are better for you if"},{"_key":"e27629a359a2","_type":"block","children":[{"_key":"e48f0db1ddad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a30ea1e3729e","_type":"prosConsWidget","pros":["You can tolerate the concept of stock market risk","You've got lots of time before you need to access your cash"],"prosTitle":"SHARES are better for you if"},{"_key":"03b6c39b6bf2","_type":"block","children":[{"_key":"1ee6f1df4158","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ed118f277297","_type":"block","children":[{"_key":"e3ed41cc210b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c4556aebdc3","_type":"block","children":[{"_key":"59b8e9cbba60","_type":"span","marks":[],"text":"As a general rule of thumb, if you’re a spring chicken and investing for ages in the future, you should probably look at "},{"_key":"0f04bd6e7f43","_type":"span","marks":["em"],"text":"mostly "},{"_key":"0a524dc1e267","_type":"span","marks":[],"text":"shares. If you’re getting on and likely to need your money soon, people typically prefer bonds because they’re less likely to crash as dramatically as shares, leaving you high and dry if you need to cash in your investments. "}],"markDefs":[],"style":"normal"},{"_key":"c44bbef6d561","_type":"block","children":[{"_key":"e1b0274abca3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f871776e39d7","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "},"text":[{"_key":"dc826f13da73","_type":"block","children":[{"_key":"92f0eb6df824","_type":"span","marks":["strong"],"text":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "}],"markDefs":[],"style":"normal"}]},{"_key":"f7d5fb36fe0f","_type":"block","children":[{"_key":"db6952c70b24","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19431081595a","_type":"block","children":[{"_key":"6e263f6e0c3f","_type":"span","marks":[],"text":""},{"_key":"394165043e4a","_type":"mainAnchor","pageAnchor":{"_id":"f0e25e55-88ef-4bd3-96fb-2ea766606d57","_type":"anchorCategory","_rev":"3Wq67lOYe6sY0zlf1Hqrvx","_createdAt":"2023-05-22T15:35:10Z","_updatedAt":"2023-05-22T15:35:10Z","AnchorName":"activevspassive","id":"-946d7890-0ada-5808-9ab1-5f4661ddb7f2","children":[],"parent":null}},{"_key":"d81d41f1e8ee1","_type":"span","marks":[],"text":"Active vs passive"}],"markDefs":[],"style":"h2"},{"_key":"97fd1b6cacb5","_type":"block","children":[{"_key":"b1149c8e019a","_type":"span","marks":[],"text":"Another couple of phrases you'll often see when investing in funds is 'active' and 'passive', but as the world of finance is renowned for being full of jargon, no one ever seems to explain what these are! Here's what they actually mean and why they matter when deciding on the right fund for you."}],"markDefs":[],"style":"normal"},{"_key":"4f4328ace20e","_type":"block","children":[{"_key":"267b07472f39","_type":"span","marks":[],"text":"What is an active fund?"}],"markDefs":[],"style":"h3"},{"_key":"965f3e1b9c85","_type":"block","children":[{"_key":"7e7c85ce1d910","_type":"span","marks":[],"text":"Most funds in the market are what we call ‘active’. An active fund manager, by definition, thinks he or she is smarter than the average investor. A clever clogs. They think they can spot a bargain. Spot the dog before others. Identify the region that is about to go belly-up. So they pick and choose. If you buy an active fund which invests in shares, you'll usually pay a fee to the fund manager of about 75p-95p for every £100 you entrust to them. "}],"markDefs":[],"style":"normal"},{"_key":"dd074314f1cf","_type":"block","children":[{"_key":"e2405d675768","_type":"span","marks":[],"text":"What is a passive fund?"}],"markDefs":[],"style":"h3"},{"_key":"b9d2cd328e0c","_type":"block","children":[{"_key":"9da255300335","_type":"span","marks":[],"text":"Passive funds, on the other hand, are devoid of ego and opinion. They're the well-behaved end of the fund market. No one makes a call on whether Share A is better than Share B. They simply follow what we call an index - or a list of shares or bonds in any given market. They buy them in proportion to their size and no judgement calls are made. If you buy a passive fund which invests in shares, you'll usually pay a fee to the fund manager of about 8-12p for every £100 you entrust to them. It’s a lot cheaper because it’s run by a computer, rather than an expensive human. "}],"markDefs":[],"style":"normal"},{"_key":"365e8264db90","_type":"block","children":[{"_key":"faa5a312feb3","_type":"span","marks":[],"text":"How to decide between active vs passive funds"}],"markDefs":[],"style":"h3"},{"_key":"b8221aa671cb","_type":"block","children":[{"_key":"4799dbdc92b40","_type":"span","marks":[],"text":"There are pros and cons to each approach. Passive funds will tend to be cheaper and have performed well over much of the past decade as a result of strong performance from the technology giants (which form a large share of most capitalisation-weighted indices). However, they can have certain biases – the MSCI World has a 70%+ weighting to the US[2],  for example. Equally, bond indices can have higher weights in companies that have issued the most bonds – i.e. the most indebted. This can increase risk."}],"markDefs":[],"style":"normal"},{"_key":"611ac6f8c648","_type":"block","children":[{"_key":"d022771f72c90","_type":"span","marks":[],"text":"With active funds, there tends to be extremes. Some fund managers will be very successful and deliver better returns than the wider market, while others will find their analysis doesn’t pay off. Investors need to be willing to take a risk on the manager’s skill."}],"markDefs":[],"style":"normal"},{"_key":"c39c65e3ba8a","_type":"block","children":[{"_key":"3c62d7c5ecdd","_type":"span","marks":[],"text":"The jury is out on which is best, but passive funds will inherently return the average of any market. Some active funds will go further and smash it – but others will underperform and charge you for the privilege! So it depends on your risk appetite, among other things. Happy to sit back and copy what the markets do? Passive is for you. Want to leave it to the experts to crunch the numbers and try to outperform? Then try active.\n"}],"markDefs":[],"style":"normal"},{"_key":"ad85bfad7fcf","_type":"block","children":[{"_key":"3d022ec4e243","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"769a3bdcb210","_type":"emailSignupWidget","brazeSubscriptionGroupId":"80bb057b-016f-4c60-8fed-bc2199e56dc7","brazeSubscriptionRef":null,"image":{"_type":"mainImage","alt":"Sign up here!"},"paragraphText":"Get the best-performing funds, market commentary and jargon free insight delivered straight to your inbox every month. Join our Fund Newsletter.\n","title":"Sign up here!"},{"_key":"9082b2e04f18","_type":"block","children":[{"_key":"eca87e721854","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ed19b6fc9ee","_type":"block","children":[{"_key":"0ee0c876052d","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"1fdae174a2eb","_type":"block","children":[{"_key":"4e62aed3fa81","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3aafc66da691","_type":"block","children":[{"_key":"7eacb7f07336","_type":"span","marks":[],"text":"[1] "},{"_key":"d5da36f05625","_type":"span","marks":["873e1e148fbf"],"text":"PwC, March 2024"}],"markDefs":[{"_key":"873e1e148fbf","_type":"internalLinkPick","blank":true,"reference":{"_id":"145cfde5-0dfc-42d5-920b-0b191331e84e","_type":"linkCategory","_rev":"57EMnMDl2Y1cYcN31otiyA","_createdAt":"2024-10-17T08:39:17Z","_updatedAt":"2024-10-17T08:39:23Z","url":"https://www.pwc.com/gx/en/industries/financial-services/publications/etfs-2028-shaping-the-future.html#:~:text=Global%20Exchange%20Traded%20Fund%20(%E2%80%9CETF,2023%20%2D%20according%20to%20PwC%20analysis.","id":"-cf9d1c5f-bb14-5094-b4d2-4a8947638992","children":[],"parent":null}}],"style":"normal"},{"_key":"303192e61fb6","_type":"block","children":[{"_key":"1928cb41e922","_type":"span","marks":[],"text":"[2] "},{"_key":"341d43b08b6b","_type":"span","marks":["a4f8efc4fe28"],"text":"MSCI, November 2024"}],"markDefs":[{"_key":"a4f8efc4fe28","_type":"internalLinkPick","blank":true,"reference":{"_id":"b300e7f8-9ee8-475d-85f0-bcccebda9deb","_type":"linkCategory","_rev":"lz9D5PWofIUHM5I9Qpq7El","_createdAt":"2023-06-08T11:31:28Z","_updatedAt":"2024-10-29T12:00:03Z","description":"MSCI World Index (USD) ","url":"https://www.msci.com/documents/10199/178e6643-6ae6-47b9-82be-e1fc565ededb","id":"-35c899d2-7191-5632-aa4c-2eb4a10b4f1c","children":[],"parent":null}}],"style":"normal"},{"_key":"49a0d84ddbed","_type":"block","children":[{"_key":"cae41be45c6b","_type":"span","marks":[],"text":"[3] "},{"_key":"653072da076b","_type":"span","marks":["d77d4f4a9a3d"],"text":"Trustnet, January 2023"}],"markDefs":[{"_key":"d77d4f4a9a3d","_type":"internalLinkPick","blank":true,"reference":{"_id":"39231df5-0e90-4b9c-abc7-f980c11317c9","_type":"linkCategory","_rev":"ZgCTHLQT5xa597d1MhSaEt","_createdAt":"2024-10-18T15:30:08Z","_updatedAt":"2024-10-18T15:30:14Z","description":"Trustnet","url":"https://www.trustnet.com/news/13353261/nine-charts-showing-where-you-should-have-invested-in-2022","id":"-c335c72d-9bc0-584f-97a3-55c5ed032cb7","children":[],"parent":null}}],"style":"normal"}],"categories":[{"_id":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"category","_rev":"YGZ0taAMl6Ce0nxRRrmRJu","_createdAt":"2025-05-08T10:55:42Z","_updatedAt":"2025-05-12T14:18:13Z","description":"All guide pages related to investing - e.g. funds, Investment Trusts, ETFs.","title":"Investing Guides","id":"-87985091-2601-5883-a2ba-c1ac80cb8f03","children":[],"parent":null},{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","_type":"category","_rev":"DmK61VtPyEhMsfOjcsZCmQ","_createdAt":"2021-04-27T09:39:55Z","_updatedAt":"2021-04-27T09:39:55Z","description":"Funds","title":"Funds","id":"-3a9092a6-9e6d-53ef-bb73-2ab64139b168","children":[],"parent":null},{"_id":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"category","_rev":"WL47ZrgxNpp8wbh75H7FrV","_createdAt":"2024-05-31T10:43:39Z","_updatedAt":"2024-05-31T11:56:50Z","title":"Guide","id":"-42823ea2-5742-58ea-be27-557d9d35eea7","children":[],"parent":null}],"excerpt":[{"_key":"0c5edb6fe2c3","_type":"block","children":[{"_key":"e3cfba5e3d06","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. A great way to avoid making a clanger by choosing one duff share. 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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":{"_id":"c51dfbf0-7502-4c5d-b54d-cb8a53aaf690","_type":"anchorCategory","_rev":"wvJta9ElXUYLPkPUBQbkJW","_createdAt":"2023-01-31T23:06:00Z","_updatedAt":"2023-01-31T23:06:00Z","AnchorName":"whatisastocksandsharesisa","id":"-8e5d7fa1-027c-54e3-8a20-99ad942b9670","children":[],"parent":null}},{"_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":{"_id":"decc7a5d-2a64-4c9b-9fa6-aac6a4a89581","_type":"questionPost","_rev":"p80vVKKv7dE0kc2lnycvb6","_createdAt":"2025-09-23T15:06:51Z","_updatedAt":"2025-09-23T15:36:33Z","_system":{"base":{"id":"decc7a5d-2a64-4c9b-9fa6-aac6a4a89581","rev":"HS8bHFoFwCoVWzp17KBHjt"}},"adviser":[{"_key":"d16be8494d4b","_type":"personReference","people":{"_ref":"2234bd4d-6071-4ef0-bd30-f507f25ebf07","_type":"reference"}}],"answer":[{"_key":"154b41c0961d","_type":"block","children":[{"_key":"f5ba5f1d2d1b","_type":"span","marks":[],"text":"Hi Robert,"}],"markDefs":[],"style":"normal"},{"_key":"ab065140442d","_type":"block","children":[{"_key":"8f5eafe6708f","_type":"span","marks":[],"text":"Thanks for raising this - it’s a great question and you’re certainly not alone. Flexible "},{"_key":"cfbd9089e424","_type":"span","marks":["327e821e49da"],"text":"ISAs"},{"_key":"cac174563cea","_type":"span","marks":[],"text":" catch a lot of people by surprise."}],"markDefs":[{"_key":"327e821e49da","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"},{"_key":"6cbf30c1361f","_type":"block","children":[{"_key":"8b229c225049","_type":"span","marks":[],"text":"In a nutshell: a flexible ISA lets you take money out and put it back in again "},{"_key":"552502d6b434","_type":"span","marks":["em"],"text":"within the same tax year"},{"_key":"7daeff71bb24","_type":"span","marks":[],"text":" without it eating into your £20,000 annual allowance. So, if you need to dip into the ISA - for example to bridge a house purchase, as you have done - you can replace the money later that year and it doesn’t count twice."}],"markDefs":[],"style":"normal"},{"_key":"61c45d9193cb","_type":"block","children":[{"_key":"494b0bbe0ec0","_type":"span","marks":[],"text":"As you have discovered, not every provider offers this though. HMRC introduced these new rules back in 2016, but it’s optional, not a requirement. Some providers have embraced it, others prefer to keep things simple and avoid the extra admin - so you’ll find that some ISAs (especially "},{"_key":"085dcfdabedc","_type":"span","marks":["a5b6163cc85e"],"text":"Cash ISAs"},{"_key":"85506537e74b","_type":"span","marks":[],"text":") are flexible while others, like certain "},{"_key":"66b7a9abef35","_type":"span","marks":["35ccbebce51f"],"text":"Stocks & Shares ISAs"},{"_key":"80ea641c3855","_type":"span","marks":[],"text":", aren’t."}],"markDefs":[{"_key":"a5b6163cc85e","_type":"internalLinkPick","reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"}},{"_key":"35ccbebce51f","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"b28a7c8b3b5a","_type":"block","children":[{"_key":"d8b5aae09243","_type":"span","marks":[],"text":"A big reason for this is technology. Many providers still run on older, clunky IT systems, and building flexible ISA functionality can be expensive or tricky to integrate. Only those who see it as a real draw for customers tend to prioritise it. The good news is that the industry is gradually becoming more technologically adept as these legacy systems are replaced or upgraded, so features like this should become more common and less costly to offer over time."}],"markDefs":[],"style":"normal"},{"_key":"8c800a5b8f41","_type":"block","children":[{"_key":"22f679169df0","_type":"span","marks":[],"text":"It is surprisingly under-publicised as a benefit. Providers who don’t offer it aren’t likely to shout about it, and most people don’t think about temporary withdrawals until they suddenly need one - so the feature tends to stay hidden in the small print."}],"markDefs":[],"style":"normal"},{"_key":"552efd11235b","_type":"block","children":[{"_key":"05725d8ad224","_type":"span","marks":[],"text":"If you think you might need short-term access to your ISA money - say for a house move or a big one-off expense - it’s worth checking whether your provider has a flexible option before you withdraw."}],"markDefs":[],"style":"normal"},{"_key":"c3f6ef45f083","_type":"block","children":[{"_key":"2fff19938ce3","_type":"span","marks":[],"text":"While it would certainly help if these rules were better publicised, one way to stay ahead is to "},{"_key":"2b1ef7da2ff9","_type":"span","marks":["0e1487129eb9"],"text":"work with a qualified financial adviser"},{"_key":"2c9faf6eb170","_type":"span","marks":[],"text":". An adviser can ensure that everything you’re doing - across ISAs and your wider finances - is fully optimised for your own circumstances and goals."}],"markDefs":[{"_key":"0e1487129eb9","_type":"internalLinkPick","reference":{"_ref":"e0c498d2-703f-4a15-98bc-06f3451e7dc6","_type":"reference"}}],"style":"normal"},{"_key":"cbc5eca74c77","_type":"block","children":[{"_key":"1c629eac2d72","_type":"span","marks":[],"text":"Hope this helps!"}],"markDefs":[],"style":"normal"},{"_key":"7fbea738387a","_type":"block","children":[{"_key":"06a0ed0d647b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"04bd54a0eb7a","_type":"block","children":[{"_key":"bc3521337ade","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"234423b53b9c","_type":"block","children":[{"_key":"09f65938884e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"eb098d4256a5","_type":"block","children":[{"_key":"e0d59c7adc22","_type":"span","marks":["strong","em"],"text":"Important information"}],"markDefs":[],"style":"normal"},{"_key":"d308eec4ba4d","_type":"block","children":[{"_key":"594e4ee22ddb","_type":"span","marks":["em"],"text":"The information provided is for general guidance only and does not constitute personal financial advice or a recommendation. It is based on current understanding of HMRC rules and tax legislation, which may be subject to change. This response is intended to address your query in general terms; for advice tailored to your specific circumstances, a personalised financial review would be required. Past performance is not a guide to future performance and may not be repeated. The value of investments and the income from them may go down as well as up and investors may not get back the amount originally invested."}],"markDefs":[],"style":"normal"}],"body":[{"_key":"1191961a70d0","_type":"block","children":[{"_key":"b75d16b61788","_type":"span","marks":[],"text":"In spite of having invested in ISAs for many years, I was unaware of ‘flexible' ISAs. "}],"markDefs":[],"style":"normal"},{"_key":"baa2087449d4","_type":"block","children":[{"_key":"c4a02bc38866","_type":"span","marks":[],"text":"I had to encash a significant amount invested in ISAs, rather than taking a difficult-to-arrange bridging loan, earlier this year when we bought a new house before selling the old house. I only became aware of the flexible ISA when I queried a dialogue box with the platform provider (CSD) indicating that I could invest the amount that I had taken out. I then checked the relevant .gov website which confirmed that it was correct. Another platform provider (HL), where I also encashed a significant amount held in an ISA, just confirmed that their ISA is not flexible. "}],"markDefs":[],"style":"normal"},{"_key":"67302b93537f","_type":"block","children":[{"_key":"1c5e90f1102c","_type":"span","marks":[],"text":"Are flexible ISAs common? Why would one provider offer a flexible ISA and another not? Why is there not more publicity about them? In my particular circumstance, having a flexible ISA (even 1) has offered great benefit."}],"markDefs":[],"style":"normal"}],"categories":[{"_key":"5e08ae635fb9","_ref":"d67a23c8-c6a9-4918-a6cd-1bd9d4f0e647","_type":"reference"}],"dashboardId":"c53d1d6a-2b11-4c35-8215-06a594e3a11a","excerpt":[{"_key":"f6f19e8a5384","_type":"block","children":[{"_key":"c7eb12586b57","_type":"span","marks":[],"text":"What is a flexible ISA? How do they work? And why doesn't every ISA provider offer one? Discover the often-overlooked perk of flexible withdrawals and how it can make calculating your annual ISA allowance a whole lot easier."}],"markDefs":[],"style":"normal"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-57c17faf5f0affb0b4c87ecd60f97aa34bd2a311-1920x1080-png","_type":"reference"},"blankAltTag":true},"publishedAt":"2025-09-23T15:36:32.360Z","readerFirstName":"Robert","slug":{"_type":"slug","current":"what-is-a-flexible-isa-and-why-doesn-t-every-provider-offer-one"},"template":"C-SB","title":"What is a flexible ISA and why doesn't every provider offer one?","id":"-571386a4-63e0-515d-b46b-26d05a38f830","children":[],"parent":null}}],"style":"normal"},{"_key":"2eb50191f038","_type":"block","children":[{"_key":"882585431f3a","_type":"span","marks":[],"text":""},{"_key":"8c9d07a1b021","_type":"mainAnchor","pageAnchor":{"_id":"f7f5e256-63dc-4d19-9d8d-31a6e15b7bbb","_type":"anchorCategory","_rev":"xjLKnlFrh2WM7l3TdJ9ZTL","_createdAt":"2023-01-31T23:06:12Z","_updatedAt":"2023-01-31T23:06:12Z","AnchorName":"howdostocksandsharesisaswork","id":"-482dcf64-b139-5683-abf3-313991fdc792","children":[],"parent":null}},{"_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":{"_id":"03489c0e-4cd2-48d7-8700-e6eb389280d6","_type":"anchorCategory","_rev":"PZq3D7oQCo96ts7zqRhQ3O","_createdAt":"2023-01-31T23:06:30Z","_updatedAt":"2023-01-31T23:06:30Z","AnchorName":"isastocksandsharesisarightforme","id":"-6d299f27-c515-5638-9ced-5181e8343bc3","children":[],"parent":null}},{"_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":{"_id":"61abfcc5-ca28-406e-af55-8b50ff2af72f","_type":"anchorCategory","_rev":"xjLKnlFrh2WM7l3TdJ9igZ","_createdAt":"2023-01-31T23:06:47Z","_updatedAt":"2023-01-31T23:06:47Z","AnchorName":"stocksandsharesvscash","id":"-b4999d6f-e435-5cd3-ac88-90c4283bf9bc","children":[],"parent":null}},{"_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":{"_id":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"glossaryHover","_rev":"lTp2d2CYb7e7Sxre7E5WU3","_createdAt":"2025-04-30T13:42:54Z","_updatedAt":"2025-04-30T13:43:13Z","description":"Also called “Footsie”, the name for the share index made up of the largest 100 companies by market capitalisation (total value of all shares) listed on the London Stock Exchange.","title":"FTSE 100","id":"-a54941b3-75e6-5613-bd46-3ed80c5c54e9","children":[],"parent":null}},{"_key":"405dad0129e4","_type":"glossaryPick","reference":{"_id":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"glossaryHover","_rev":"cgOXYc5fbaZoufJX9Z3fRz","_createdAt":"2025-05-01T14:42:09Z","_updatedAt":"2025-05-01T14:45:19Z","description":"A global index that tracks large and medium-sized companies from 23 developed countries around the world.","title":"MSCI World","id":"-3f82d13b-ff3c-5e83-961e-ef18e3f0a260","children":[],"parent":null}}],"style":"normal"},{"_key":"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":"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":{"_id":"abce80e4-d3d9-4aac-abc1-510b2c118415","_type":"anchorCategory","_rev":"wvJta9ElXUYLPkPUBQc3gU","_createdAt":"2023-01-31T23:07:19Z","_updatedAt":"2023-01-31T23:07:19Z","AnchorName":"stocksandsharesshorttermvslongterm","id":"-89e7dc03-427f-5fc8-b0b9-81ca20a497e6","children":[],"parent":null}},{"_key":"f30cc6342f8e","_type":"span","marks":[],"text":"Stocks & Shares ISA: Short-term vs long-term investing "}],"markDefs":[],"style":"h2"},{"_key":"d82a8fc2fd0c","_type":"block","children":[{"_key":"8c136c2f2755","_type":"span","marks":[],"text":"It can be helpful to think about investing in the stock market a bit like the housing market. Imagine you hear on the news that the property market is down 3% in your area. Do you freak out, run for the hills and stockpile baked beans? No – only if you don't have a choice and "},{"_key":"aad09a6b9855","_type":"span","marks":["em"],"text":"have "},{"_key":"acc88a1b29a6","_type":"span","marks":[],"text":"to sell that year. Otherwise, you sit tight and wait for the market to recover. "}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"29e5815ac3a7","_type":"block","children":[{"_key":"706f02f0f1f2","_type":"span","marks":[],"text":"FREE TOOL: Not sure which ISA or pension is right for you?"}],"markDefs":[],"style":"h4"},{"_key":"413101212e38","_type":"block","children":[{"_key":"689ff7bc39ee","_type":"span","marks":[],"text":"Answer 6 questions. Get 3 tailored recommendations. Independent, unbiased, free."}],"markDefs":[],"style":"normal"}],"_key":"8c91ab282a38","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"reference":{"_id":"249771c5-00b0-4103-9775-fe8bb8339397","_type":"landingPage","_rev":"dYqsvOMxP9jV5rRpp4dSYP","_createdAt":"2026-04-27T08:52:58Z","_updatedAt":"2026-05-08T08:06:14Z","_system":{"base":{"id":"249771c5-00b0-4103-9775-fe8bb8339397","rev":"bGTpLJJBDOomVeSBn4zQ4l"}},"content":[{"_key":"73d059cf2aed","_type":"breadcrumb","breadcrumbs":[{"_key":"fc42843c7b0b","_type":"breadcrumbReference","linkReference":{"_ref":"37347386-bc07-4ea5-af38-a21e35b3a39a","_type":"reference"},"title":"Compare Providers"},{"_key":"f0967796b512","_type":"breadcrumbReference","linkReference":{"_ref":"249771c5-00b0-4103-9775-fe8bb8339397","_type":"reference"},"title":" Find the Best ISA or Pension for You"}]},{"_key":"fada32817493","_type":"investmentFinder","finderTitle":"ISA & Pension Finder - BETA"},{"_key":"fc2425284281","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"bcecbfef8e93","_type":"block","children":[{"_key":"d36e0411aa37","_type":"span","marks":["strong"],"text":"How we find the right ISA or pension for you"}],"markDefs":[],"style":"normal"},{"_key":"82cc1258845c","_type":"block","children":[{"_key":"54d66207fe3a","_type":"span","marks":[],"text":"Our ISA and Pension Finder is a free, independent tool designed to match you with the investment provider that best suits your needs. Answer six short questions; it takes around two minutes, and we'll surface three tailored recommendations, each scored using a combination of our own research team's analysis and real customer reviews. The tool covers Stocks & Shares ISAs, Lifetime ISAs (LISAs), Junior ISAs (JISAs), and pensions."}],"markDefs":[],"style":"normal"},{"_key":"375c357b54ee","_type":"block","children":[{"_key":"bb49267017de","_type":"span","marks":[],"text":"The recommendations are rooted in the same methodology behind the Boring Money Best Buy Awards, which take our in-house analysts over three months to research and compile each year. We draw on over 31,000 customer reviews, detailed cost analysis across different portfolio sizes, website and app testing from live accounts, customer service testing, and the expert view of our Founder and CEO, Holly Mackay. We also assess each platform on value, service quality, and how long they've been established in the market."}],"markDefs":[],"style":"normal"},{"_key":"502262e3ed74","_type":"block","children":[{"_key":"f95e6b7aff22","_type":"span","marks":[],"text":"The result is a shortlist you can actually trust. No featured provider pays for inclusion in this tool."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How we find the right ISA or pension for you"},{"_key":"b586d5fd77db","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"ada96672f096","_type":"block","children":[{"_key":"314b1c0ebe57","_type":"span","marks":["strong"],"text":"What is a Stocks & Shares ISA"}],"markDefs":[],"style":"normal"},{"_key":"dd075f1f34c6","_type":"block","children":[{"_key":"d3da17d5fb97","_type":"span","marks":[],"text":"A "},{"_key":"5f149a11056a","_type":"span","marks":["d6b8ce0f298f"],"text":"Stocks & Shares ISA"},{"_key":"82999b0b421f","_type":"span","marks":[],"text":" lets you invest in the stock market without paying tax on any profits, interest, or dividends you make. Every UK adult can put up to £20,000 in per tax year, and your money stays tax-free for as long as it's invested."}],"markDefs":[{"_key":"d6b8ce0f298f","_type":"internalLinkPick","blank":true,"reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"3b99dd5a2884","_type":"block","children":[{"_key":"6e63c11c9ce0","_type":"span","marks":[],"text":"Unlike a "},{"_key":"50cfc1d9ad04","_type":"span","marks":["3f03851c4f49"],"text":"Cash ISA"},{"_key":"484972727fd3","_type":"span","marks":[],"text":", your money is exposed to market ups and downs, so it works best for people with a five-year-plus investing horizon who can ride out any rough patches. The trade-off is that historically, stock markets have significantly outperformed cash over the long term."}],"markDefs":[{"_key":"3f03851c4f49","_type":"internalLinkPick","blank":true,"reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"}}],"style":"normal"},{"_key":"b7e136ab9820","_type":"block","children":[{"_key":"e7c84e6881c2","_type":"span","marks":[],"text":"You can get started from as little as £1 a month, and withdrawals are flexible. Only around 15% of UK adults currently hold one, despite the tax benefits being substantial."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Stocks & Shares ISA"},{"_key":"40d1e6b7e1a8","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"112a4f5a3456","_type":"block","children":[{"_key":"2e3b967b548a","_type":"span","marks":["strong"],"text":"How many Stocks & Shares ISAs can I have?"}],"markDefs":[],"style":"normal"},{"_key":"cdce826d5173","_type":"block","children":[{"_key":"f9de034e4b35","_type":"span","marks":[],"text":"You can hold multiple Stocks & Shares ISAs with different providers, and since April 2024 you can now pay into more than one in the same tax year. Previously you were restricted to funding just one of each ISA type per year. Your total contributions across all ISAs still cannot exceed the £20,000 annual allowance."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How many Stocks & Shares ISAs can I have?"},{"_key":"d6557798f95aae9166dd47b671371b8e","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"0b1b81b8fced","_type":"block","children":[{"_key":"647035ac2f9b","_type":"span","marks":["strong"],"text":"Can you have a Cash ISA and a Stocks & Shares ISA?"}],"markDefs":[],"style":"normal"},{"_key":"a1239342ef07","_type":"block","children":[{"_key":"346684e6e919","_type":"span","marks":[],"text":"Yes. You can hold both a Cash ISA and a Stocks & Shares ISA at the same time, and since April 2024 you can pay into both in the same tax year. The only rule is that your combined contributions across all ISAs cannot exceed the £20,000 annual allowance. So you could, for example, put £10,000 into a Cash ISA and £10,000 into a Stocks & Shares ISA in the same year."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Can you have a Cash ISA and a Stocks & Shares ISA?"},{"_key":"0d14c9611d066edde1521f2b24f4fbcf","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"52b735920f83","_type":"block","children":[{"_key":"0b8cd50ae7ab","_type":"span","marks":["strong"],"text":"Do you pay tax on a Stocks & Shares ISA?"}],"markDefs":[],"style":"normal"},{"_key":"5d4063f23a01","_type":"block","children":[{"_key":"8f76784ceccf","_type":"span","marks":[],"text":"No. Any profits, dividends, and interest earned inside a Stocks & Shares ISA are completely tax-free. You won't pay "},{"_key":"746501e20138","_type":"span","marks":["9f0fc32f1ef8"],"text":"capital gains tax"},{"_key":"befb55e85286","_type":"span","marks":[],"text":" when you sell investments at a profit, no tax on dividends, and no tax on interest, regardless of how much you make."}],"markDefs":[{"_key":"9f0fc32f1ef8","_type":"internalLinkPick","blank":true,"reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}}],"style":"normal"},{"_key":"42a92b9747cd","_type":"block","children":[{"_key":"5d3d96b2cff0","_type":"span","marks":[],"text":"Outside an ISA, all three of these would potentially be taxable once you exceed your annual allowances. The ISA wrapper removes that complexity entirely."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Do you pay tax on a Stocks & Shares ISA?"},{"_key":"b1bc9de0103deda66aec2c9caf976c48","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"52aed0165a57","_type":"block","children":[{"_key":"9019a4836efa","_type":"span","marks":["strong"],"text":"What is a Junior ISA (JISA)?"}],"markDefs":[],"style":"normal"},{"_key":"ddafdb407a60","_type":"block","children":[{"_key":"591f8d3bb88a","_type":"span","marks":[],"text":"A Junior ISA is a tax-free savings or investment account for children under 18. Parents or guardians can open one on a child's behalf and anyone can contribute, up to £9,000 per tax year. The money is locked away until the child turns 18, at which point it automatically becomes an adult ISA in their name."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Junior ISA (JISA)?"},{"_key":"0e5b360c1ca13ed038e25611bbb8c547","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"8ae67a45fc6b","_type":"block","children":[{"_key":"448c61fc6b6e","_type":"span","marks":["strong"],"text":"What is a Lifetime ISA (LISA)?"}],"markDefs":[],"style":"normal"},{"_key":"4b58fdf762ee","_type":"block","children":[{"_key":"33eb5833fabe","_type":"span","marks":[],"text":"A Lifetime ISA is a government-backed account for adults aged 18–39, designed to help you save either for your first home or for retirement. You can save up to £4,000 per year, and the government adds a 25% bonus on top, up to £1,000 a year. The money can only be withdrawn penalty-free to buy a first home (worth up to £450,000) or from age 60 onwards."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Lifetime ISA (LISA)?"},{"_key":"066fe5a181e6","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"dc69d0ef7358","_type":"block","children":[{"_key":"b6f041a39e65","_type":"span","marks":["strong"],"text":"We'd love your"},{"_key":"f06400292134","_type":"span","marks":["5bd06b1e27d1","strong"],"text":" feedback"},{"_key":"d4c3363c2ebb","_type":"span","marks":["strong"],"text":"."}],"markDefs":[{"_key":"5bd06b1e27d1","_type":"internalLinkPick","blank":true,"reference":{"_ref":"789ad7dd-f1a8-4606-9075-20ecba5e0f6b","_type":"reference"}}],"style":"normal"}],"linkText":"Contact us","reference":{"_ref":"789ad7dd-f1a8-4606-9075-20ecba5e0f6b","_type":"reference"},"styles":"White"}],"excerpt":[{"_key":"c698ae2f78c6","_type":"block","children":[{"_key":"0977565871d8","_type":"span","marks":[],"text":"Answer 6 quick questions and find the best Stocks & Shares ISA, pension, LISA, or JISA for your needs. Independent, unbiased, and free from Boring Money."}],"markDefs":[],"style":"normal"}],"publishedAt":"2026-04-27T08:52:38.353Z","slug":{"_type":"slug","current":"isa-pension-finder"},"subfolder":{"_id":"296cd157-5755-403a-80a5-cc8dafb6dc99","_type":"folderCategory","_rev":"FW1NJKvivUBn8c48tVwRjs","_createdAt":"2023-03-21T13:53:17Z","_updatedAt":"2023-06-21T14:32:13Z","description":"For comparing providers and platforms.","folder":"/compare/","id":"-3cc18bd4-d047-5447-8e4a-e0773446c736","children":[],"parent":null},"title":"ISA & Pension Finder | Find the Best Investment Platform for You | Boring Money","id":"-f2831a00-2ebb-5d7c-9880-dc5cf5bcb7f5","children":[],"parent":null},"text":"FIND MY ISA"},{"_key":"50f10f0f6a8a","_type":"block","children":[{"_key":"0876d3b43bc1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c3ec473a32f","_type":"block","children":[{"_key":"9342c0a6ccfa","_type":"span","marks":[],"text":"Shares and investing in the stock market are kind of the same. Unless you need to sell at that very point in time, you can sit tight and ride out the bad times, only selling when the markets are more in your favour. "}],"markDefs":[],"style":"normal"},{"_key":"b02b151be7de","_type":"block","children":[{"_key":"738702b1f9bc","_type":"span","marks":[],"text":"This is why timeframes matter so much. If you know you'll need to cash in within 12 months, stick it in the stock market anyway, and then some unfortunate force sends markets tumbling... well, you’re stuffed and your back’s against the wall. You'll have to withdraw your cash during a dip. But if you can park your money for longer - say, 5 years or more - it’s much less likely you'll have to sell when things are rubbish."}],"markDefs":[],"style":"normal"},{"_key":"4249037765fa","_type":"block","children":[{"_key":"53725bd4af3b0","_type":"span","marks":[],"text":"As a very loose rule of thumb, expecting to make about 5% a year from a diversified portfolio (that is, essentially, a mixed bag) of investments should be achievable. Some years it could be 20%, some years it could be minus 20%. 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So first up, don’t lose your mind and chase daft things like Bitcoin, gambling and spivvy schemes. Investing ultimately comes down to backing decent companies which do things you can get your head around and which make a profit, or have a damn good plan which will "},{"_key":"8a32973014ba","_type":"span","marks":["em"],"text":"make "},{"_key":"97946f0a6356","_type":"span","marks":[],"text":"them a profit. It’s like Dragon’s Den but on a larger scale."}],"markDefs":[],"style":"normal"},{"_key":"1d6886405254","_type":"block","children":[{"_key":"268a63f04360","_type":"span","marks":[],"text":"Some companies won’t make it. They won't hit oil, get that patent, or they'll suffer at the hands of an inept CEO. And if you're putting all your money behind that one company, then you're potentially losing a lot of it when its shares start to fall. 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This threshold will increase to 57 years old from 2028 and there's a good chance it will continue to rise to reflect an ageing population and similar changes to the State Pension age."}],"markDefs":[],"style":"normal"},{"_key":"7d59da91fec5","_type":"block","children":[{"_key":"30984b039238","_type":"span","marks":[],"text":"You can take up to 25% as a tax-free lump sum"}],"markDefs":[],"style":"h4"},{"_key":"c68a6e98d419","_type":"block","children":[{"_key":"1adeeec6638c","_type":"span","marks":[],"text":"As with most pension schemes, from the age of 55 onwards you can withdraw 25% of the value of your SIPP - up to a maximum of £268,275 - tax-free. 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SIPPs can accommodate either but it's crucial to check whether your chosen provider offers the route you want to take, as some are limited to only drawdown schemes or only annuities. It's best to check this "},{"_key":"cb1a3b0ee27f","_type":"span","marks":["em"],"text":"before"},{"_key":"04c8c80479d8","_type":"span","marks":[],"text":" you start saving into a SIPP so you don't end up having to make last-minute transfers in the run-up to retirement!"}],"markDefs":[{"_key":"0cb4416ebeef","_type":"internalLinkPick","reference":{"_ref":"30c293dd-a614-4253-a4c2-ed4b64cdd9ac","_type":"reference"}},{"_key":"58fcf70be682","_type":"internalLinkPick","reference":{"_ref":"18cc7a4b-b423-47ee-8759-5fa886b087d6","_type":"reference"}}],"style":"normal"},{"_key":"abdbbd3e1f3a","_type":"block","children":[{"_key":"6805c4c7eb35","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"4874100ec44d","_type":"block","children":[{"_key":"395616f61b23","_type":"span","marks":["strong"],"text":"Drawdown vs annuity: Which is best for you?"}],"markDefs":[],"style":"normal"}],"_key":"bfb143359578","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"79fcc0a0-e069-4ec5-b1ea-8a6a48d6fb5e","_type":"reference"},"text":"TELL ME"},{"_key":"954b38f4eb68","_type":"block","children":[{"_key":"df44ecfabb54","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7a3f253ff758","_type":"block","children":[{"_key":"1d01a10a74df","_type":"span","marks":[],"text":""},{"_key":"1efd08dfc6ff","_type":"mainAnchor","pageAnchor":{"_ref":"4fb202b7-6246-4faa-b97d-bee6f208d1d1","_type":"reference"}},{"_key":"2feb83c206cb","_type":"span","marks":[],"text":"Is a personal pension right for me?"}],"markDefs":[],"style":"h2"},{"_key":"2f12fd40cc34","_type":"block","children":[{"_key":"f3cd487d2612","_type":"span","marks":[],"text":"Is it a good idea for you to open a SIPP? While the idea of taking retirement savings into your own hands sounds appealing, it's not always the best course of action for everyone. Here's a run-down of the key pros and cons of SIPPs."}],"markDefs":[],"style":"normal"},{"_key":"0c037522a1a8","_type":"prosConsWidget","cons":["Already have a competitive workplace pension scheme","Will need the money before you're 55","Have expensive debt to pay off first"],"consTitle":"Bad if you","pros":["Can set aside money until you're 55","Are self-employed and want to save for retirement","Want more control over your retirement savings"],"prosTitle":"Good if you "},{"_key":"0d6ddf57ea97","_type":"block","children":[{"_key":"70d644c31f280","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"69e33702ca96","_type":"block","children":[{"_key":"4b6acec9bdeb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"61804af9c650","_type":"block","children":[{"_key":"1c2d94e2f4580","_type":"span","marks":["strong"],"text":"Discover three reasons why you should open a SIPP today"}],"markDefs":[],"style":"normal"}],"_key":"8e867e8ac8ca","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"fdb02161-4452-428f-b5f2-e2feca21222f","_type":"reference"},"text":"FIND OUT"},{"_key":"7780f35dead2","_type":"block","children":[{"_key":"fe7b2db8cfa5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4e0fa86f3d2d","_type":"block","children":[{"_key":"f206819400f2","_type":"span","marks":[],"text":""},{"_key":"a5170953afaf","_type":"mainAnchor","pageAnchor":{"_ref":"d5017282-7bc8-4433-bcd8-1bc15bc86641","_type":"reference"}},{"_key":"f7b926c31def2","_type":"span","marks":[],"text":"How much can I pay into a personal pension?"}],"markDefs":[],"style":"h2"},{"_key":"785d2edd23e3","_type":"block","children":[{"_key":"6a1c63cdf64e","_type":"span","marks":[],"text":"The maximum amount most people can pay into their pensions each tax year is typically £60,000 or 100% of their salary - whichever is lowest. This includes the total of:"}],"markDefs":[],"style":"normal"},{"_key":"584d233d3bda","_type":"block","children":[{"_key":"4ed0c1dcfffe0","_type":"span","marks":[],"text":"your own contributions (plus any tax relief you receive) and;"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"cce9b4ba775a","_type":"block","children":[{"_key":"2f147cf74a470","_type":"span","marks":[],"text":"any employer contributions"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"045b27aa3d99","_type":"block","children":[{"_key":"521a86c97e760","_type":"span","marks":[],"text":"If you are unemployed or earn under £3,600 a year, then the most you can pay into your pension is £2,880 (this increases to £3,600 with the tax relief applied)."}],"markDefs":[],"style":"normal"},{"_key":"778ade774f2b","_type":"block","children":[{"_key":"e2b7ef4446f3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"fea49faf329a","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Pension carry forward"},"text":[{"_key":"c087fce67e17","_type":"block","children":[{"_key":"ed037c44af61","_type":"span","marks":[],"text":"Pension carry forward"}],"markDefs":[],"style":"h4"},{"_key":"e8a9c7db641c","_type":"block","children":[{"_key":"89c9d37aa8cd","_type":"span","marks":[],"text":"If you've used up all of your annual allowance, you may be able to carry over any of your allowance you didn't use up from the previous three tax years through a process called \"pension carry forward\". You can ask your pension providers for details of how much you saved into each scheme if they’ve not already sent them to you, or "},{"_key":"82e4d00bb643","_type":"span","marks":["4f3274463f7a"],"text":"use the GOV.UK's annual allowance calculator"},{"_key":"b6ddd401a910","_type":"span","marks":[],"text":" to check if your pension savings are more than your annual allowance and if you have any unused allowance to carry forward."}],"markDefs":[{"_key":"4f3274463f7a","_type":"internalLinkPick","blank":true,"reference":{"_ref":"76e458a7-bd09-4c22-a673-587b0dcfe6eb","_type":"reference"}}],"style":"normal"},{"_key":"3a3641d24309","_type":"block","children":[{"_key":"b25777b185c10","_type":"span","marks":[],"text":"‏‏‎ ‎"}],"markDefs":[],"style":"normal"}]},{"_key":"d30bc8baf9c8","_type":"block","children":[{"_key":"7a6a42d7710b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e22e35f719c7","_type":"block","children":[{"_key":"193a193ee48d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"da83ea6289a1","_type":"block","children":[{"_key":"bd34a1d07939","_type":"span","marks":[],"text":"The rules for the annual allowance are slightly different for higher earners due to something called the \"tapered annual allowance\" - more on this next."}],"markDefs":[],"style":"normal"},{"_key":"a0507441c59e","_type":"block","children":[{"_key":"10a5090d21ca","_type":"span","marks":[],"text":"Rules for the highest earners"}],"markDefs":[],"style":"h4"},{"_key":"a119508cded0","_type":"block","children":[{"_key":"23f295966bdc0","_type":"span","marks":[],"text":"If you’re a higher earner, your annual allowance may be less than this thanks to something called the 'tapered annual allowance', which can reduce your allowance to as low as just £10,000 depending on how much you earn. "}],"markDefs":[],"style":"normal"},{"_key":"df831d7c3ec1","_type":"block","children":[{"_key":"ad27e48c5fea","_type":"span","marks":[],"text":"The tapered annual allowance affects individuals whose:"}],"markDefs":[],"style":"normal"},{"_key":"2bf193ea29e0","_type":"block","children":[{"_key":"32148a15cad70","_type":"span","marks":[],"text":"‘threshold income’ is above £200,000 "},{"_key":"6e33ff443e3e","_type":"span","marks":["em"],"text":"and;"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4ad29e2a2bb7","_type":"block","children":[{"_key":"3720e998380b","_type":"span","marks":[],"text":"‘adjusted income’ is above £260,000"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"96b3ce2b1d5a","_type":"block","children":[{"_key":"dc38b0facec7","_type":"span","marks":[],"text":"Threshold income does not include your pension contributions, while adjusted income does."}],"markDefs":[],"style":"normal"},{"_key":"ae65a0c4eaa6","_type":"block","children":[{"_key":"419a0f39373b0","_type":"span","marks":[],"text":"Those who meet the criteria above will see their annual allowance gradually reduce by £1 for every £2 of ‘adjusted income’ above £260,000. For example, if your adjusted income was £270,000, your annual allowance would be reduced to £55,000. This is because, as you're £10,000 over the adjusted income threshold of £260,000, your annual allowance is reduced by £5,000 - taking it down to £55,000."}],"markDefs":[],"style":"normal"},{"_key":"834676a2335b","_type":"block","children":[{"_key":"7832ee5ff26b","_type":"span","marks":[],"text":"The tapering stops at £360,000, preserving a minimum of at least £10,000 for even the very highest earners."}],"markDefs":[],"style":"normal"},{"_key":"daaddabeb093","_type":"block","children":[{"_key":"35a1465ca04a0","_type":"span","marks":[],"text":"Until 5 April 2024, there had also previously been a lifetime pension allowance which was capped at just over £1 million. This has since been abolished to allow individuals to save more into their pension - as long as you stick to your relevant annual allowance for each tax year."}],"markDefs":[],"style":"normal"},{"_key":"159d4e71bb7e","_type":"block","children":[{"_key":"b0807c766c61","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1b31853e858e","_type":"block","children":[{"_key":"13ed06d5fd92","_type":"span","marks":[],"text":""},{"_key":"664c356d126c","_type":"mainAnchor","pageAnchor":{"_ref":"e87611f7-5f1e-4039-8a16-99b71d40b0de","_type":"reference"}},{"_key":"0d7ece435554","_type":"span","marks":[],"text":"What can I put in my personal pension?"}],"markDefs":[],"style":"h2"},{"_key":"e959c16f4109","_type":"block","children":[{"_key":"1dd576ced2530","_type":"span","marks":[],"text":"One of the main benefits of a SIPP is the amount of control it gives you over what to invest your retirement savings in. You can choose what you like! 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Different providers will have different combinations and ranges of investments to choose from. "}],"markDefs":[],"style":"normal"},{"_key":"6eb377a17d43","_type":"block","children":[{"_key":"136113527399","_type":"span","marks":[],"text":"For example, the exceedingly popular provider "},{"_key":"05d5d4a6eef3","_type":"span","marks":["237ddcfe1985"],"text":"Vanguard"},{"_key":"7c0fcf2bc4dc","_type":"span","marks":[],"text":" offers around 85 in-house funds and ETFs (but no access to individual shares), whereas "},{"_key":"60aa7db1920f","_type":"span","marks":["6c6bd0271ce8"],"text":"Fidelity"},{"_key":"85309ded4eef","_type":"span","marks":[],"text":" has a much wider range stretching into the thousands with a choice of funds, ETFs, investment trusts and shares. Both were winners of our coveted "},{"_key":"1bb0b0f3b43b","_type":"span","marks":["d8290dd4ae22"],"text":"Best Buy Pension award"},{"_key":"f91333e68322","_type":"span","marks":[],"text":" in 2025."}],"markDefs":[{"_key":"237ddcfe1985","_type":"internalLinkPick","reference":{"_ref":"040a1837-41f8-40f7-aa2a-67f13dff3e28","_type":"reference"}},{"_key":"6c6bd0271ce8","_type":"internalLinkPick","reference":{"_ref":"6b9c10a5-2223-4a20-98fb-55323cda4a35","_type":"reference"}},{"_key":"d8290dd4ae22","_type":"internalLinkPick","reference":{"_ref":"41b7c255-2a4e-415c-bc4e-74bc27a97f1e","_type":"reference"}}],"style":"normal"},{"_key":"a6a13aaf1e52","_type":"block","children":[{"_key":"d0828c5018d8","_type":"span","marks":[],"text":"Confident investors"}],"markDefs":[],"style":"h4"},{"_key":"66e3d4ebb58f","_type":"block","children":[{"_key":"ef5f60ad7e2f0","_type":"span","marks":[],"text":"When it comes to what to put in your SIPP, more confident savers may prefer to choose their own range of individual "},{"_key":"4f4b2e313950","_type":"span","marks":["03227fb6d8b6"],"text":"shares"},{"_key":"46973f83f2a3","_type":"span","marks":[],"text":", but we wouldn’t typically suggest this route for the newer or less confident investor."}],"markDefs":[{"_key":"03227fb6d8b6","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}}],"style":"normal"},{"_key":"ae8693377528","_type":"block","children":[{"_key":"925bf5fc3575","_type":"span","marks":[],"text":"Intermediate investors"}],"markDefs":[],"style":"h4"},{"_key":"511689fd50f5","_type":"block","children":[{"_key":"fb65c7af30ce","_type":"span","marks":[],"text":"If you're reasonably confident when it comes to investing, you know what you want and don't mind handling some of the decisions yourself, selecting a decent-sized range of "},{"_key":"cda1838f9d28","_type":"span","marks":["7d48bf1e1468"],"text":"funds"},{"_key":"6a01878f5a2a","_type":"span","marks":[],"text":" - say, 8 to 12 - should suffice."}],"markDefs":[{"_key":"7d48bf1e1468","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"dc8e4b42709b","_type":"block","children":[{"_key":"4eec2d815e82","_type":"span","marks":[],"text":"Beginner investors"}],"markDefs":[],"style":"h4"},{"_key":"0606026b2bcc","_type":"block","children":[{"_key":"348d2002a5ef0","_type":"span","marks":[],"text":"And if you don’t want to research a pool of funds and you aren’t sure what to do, consider a "},{"_key":"b05db35ca1a1","_type":"span","marks":["b70bc2f1cd4b"],"text":"ready-made investment"},{"_key":"a8e333f86971","_type":"span","marks":[],"text":". This is a great way to start for the less confident investor who would prefer to have all the difficult decision-making handled for you."}],"markDefs":[{"_key":"b70bc2f1cd4b","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"6ac0bfb047a9","_type":"block","children":[{"_key":"f96bd3c6eab5","_type":"span","marks":[],"text":""},{"_key":"b4b2a500811e","_type":"mainAnchor","pageAnchor":{"_ref":"cbf710fc-0661-47c8-b9c5-b0c5315d37b1","_type":"reference"}},{"_key":"dfac1679452e","_type":"span","marks":[],"text":"How much does a personal pension cost?"}],"markDefs":[],"style":"h2"},{"_key":"c56016f0cd43","_type":"block","children":[{"_key":"432fb9ca16c0","_type":"span","marks":[],"text":"There are three basic elements to the cost of having and running a SIPP account. These typically include:"}],"markDefs":[],"style":"normal"},{"_key":"d3dea964ce4b","_type":"block","children":[{"_key":"f0c8a51c9cd3","_type":"span","marks":["strong"],"text":"Admin fees: "},{"_key":"b0f9dfd3d87c","_type":"span","marks":[],"text":"The annual administration fee for providing the pension - this will usually be between 0.35% and 0.5% each year and will be levied by the company you open up the account with."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"040f23a1e4d1","_type":"block","children":[{"_key":"3da1063e39ab","_type":"span","marks":["strong"],"text":"Dealing charges:"},{"_key":"653447385695","_type":"span","marks":[],"text":" The fees charged when you buy or sell funds or shares. 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For example, if you own a global ETF and a US-focused ETF, you might be doubling up on the same stocks. It’s important to understand what’s actually inside your ETFs to avoid unintended risk or redundancy."}],"markDefs":[{"_key":"46e65d891c29","_type":"glossaryPick","reference":{"_ref":"cb2d54a5-51bd-4510-96c6-badad138eff7","_type":"reference"}}],"style":"normal"},{"_key":"e3bd9ee6ecec","_type":"block","children":[{"_key":"14bac8b5c670","_type":"span","marks":[],"text":""},{"_key":"648c01633d9c","_type":"mainAnchor","pageAnchor":{"_ref":"34c4bdaa-bb71-424f-972c-c0de69e9f1df","_type":"reference"}},{"_key":"f41184660529","_type":"span","marks":[],"text":"❌ Still rise and fall with the market"}],"markDefs":[],"style":"h3"},{"_key":"e295c312435d","_type":"block","children":[{"_key":"ef70c1df0055","_type":"span","marks":[],"text":"Finally, while many ETFs are passive by design, that doesn’t mean they’re completely safe or immune to market crashes. If the market an ETF tracks drops, so will your investment. You’re accepting market returns – for better or worse. ETFs are a great foundation, but they’re not a silver bullet for investment success."}],"markDefs":[],"style":"normal"},{"_key":"95b1fcdbdfe9","_type":"block","children":[{"_key":"5f0da20db839","_type":"span","marks":[],"text":""},{"_key":"764983d86d97","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"81e7b973b1d5","_type":"span","marks":[],"text":"Top questions on ETFs"}],"markDefs":[],"style":"h2"},{"_key":"a181b5533fdb","_type":"block","children":[{"_key":"e98d4b06806c","_type":"span","marks":[],"text":""},{"_key":"a6126a3aa223","_type":"mainAnchor","pageAnchor":{"_ref":"9f5319b0-7128-4672-9d72-529aa7f21814","_type":"reference"}},{"_key":"64cb416ca8380","_type":"span","marks":[],"text":"How much do ETFs cost?"}],"markDefs":[],"style":"h3"},{"_key":"fc122a15382d","_type":"block","children":[{"_key":"7884beb22fb0","_type":"span","marks":[],"text":"ETFs trade on stock exchanges just like individual shares, which means you buy and sell them on online investment platforms. You will often be charged a commission on each buy or sell transaction."}],"markDefs":[],"style":"normal"},{"_key":"c502aabc7234","_type":"block","children":[{"_key":"dadf564d0a4b","_type":"span","marks":[],"text":"ETFs themselves usually have an annual "},{"_key":"1443cc198b51","_type":"span","marks":["89cfe4ee3312"],"text":"management fee"},{"_key":"0156aa55050c","_type":"span","marks":[],"text":", which is typically quite low - especially for large, well-known ETFs that track broad indices. However, more niche ETFs may charge slightly higher fees due to their specific focus. "}],"markDefs":[{"_key":"89cfe4ee3312","_type":"glossaryPick","reference":{"_ref":"639ead5f-b190-4b44-bc4f-805ab4d8fcf4","_type":"reference"}}],"style":"normal"},{"_key":"481a8c10a10d","_type":"block","children":[{"_key":"8658e29d1d86","_type":"span","marks":[],"text":"Another cost to consider is the "},{"_key":"253b1edbd313","_type":"span","marks":["7f92891a603e"],"text":"bid-ask spread"},{"_key":"8f784cbe584c","_type":"span","marks":[],"text":", which is the difference between the price at which a platform is willing to buy and sell the ETF – this is similar to a "},{"_key":"1ea37f15d05e","_type":"span","marks":["76b31858e487"],"text":"currency exchange"},{"_key":"45faed2a72af","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"7f92891a603e","_type":"glossaryPick","reference":{"_ref":"acfdf9ca-55f2-4ccd-8aee-3201a6153b7b","_type":"reference"}},{"_key":"76b31858e487","_type":"glossaryPick","reference":{"_ref":"c45b581e-8764-40ef-8780-ef02845ed5fc","_type":"reference"}}],"style":"normal"},{"_key":"7104cc654d2a","_type":"block","children":[{"_key":"a069bc4adb27","_type":"span","marks":[],"text":"In terms of "},{"_key":"2d94f54238dd","_type":"span","marks":["7648f8a791df"],"text":"transaction fees"},{"_key":"182bc4de1ace","_type":"span","marks":[],"text":", they will range from being free up to  £11.95 per trade depending on the platform you are investing on. If you’re making regular contributions to your ETF, these costs can add up over time, so it’s essential to keep an eye on fees - especially if you’re investing small amounts frequently."}],"markDefs":[{"_key":"7648f8a791df","_type":"glossaryPick","reference":{"_ref":"af4eb285-d6ee-484f-89ac-d776bbfcb0c5","_type":"reference"}}],"style":"normal"},{"_key":"6975d7bc829f","_type":"block","children":[{"_key":"2f25377ef185","_type":"span","marks":[],"text":""},{"_key":"743052052ddb","_type":"mainAnchor","pageAnchor":{"_ref":"043c4d3a-e208-4710-92d6-2a77330c0be0","_type":"reference"}},{"_key":"6348fbed8524","_type":"span","marks":[],"text":"Active vs passive ETFs"}],"markDefs":[],"style":"h3"},{"_key":"71cf2ab6ddd4","_type":"mainImage","asset":{"_ref":"image-7ca3e9317480168a1de35cfa1a4a9b3f6249f78e-1920x1080-png","_type":"reference"},"blankAltTag":true},{"_key":"397cdc9d2c24","_type":"block","children":[{"_key":"afae1c0135fa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ef4fc8c4ec3","_type":"block","children":[{"_key":"80803ed8ed2d","_type":"span","marks":[],"text":"The active vs passive debate is central to investing in ETFs. "}],"markDefs":[],"style":"normal"},{"_key":"fcc7ca1029b0","_type":"block","children":[{"_key":"d36caa331723","_type":"span","marks":[],"text":"A passive ETF tracks an index and aims to mirror its performance. This type of fund is cost-effective because there’s no need for an active fund manager to make investment decisions. While you won’t outperform the market, you’ll capture its returns at a low cost. Passive ETFs are great for investors who prefer a hands-off approach, and they provide broad exposure to various markets. However, you may end up owning companies or sectors that are underperforming."}],"markDefs":[],"style":"normal"},{"_key":"39b56cc28e27","_type":"block","children":[{"_key":"45bf65d5b435","_type":"span","marks":[],"text":"On the other hand, active ETFs involve fund managers selecting stocks with the goal of outperforming the index. These ETFs typically come with higher fees, as you're paying for the expertise of the manager. However, they could deliver higher returns if the manager makes smart picks. One thing to note: active managers often closely track the index to reduce risk, meaning their performance may not actually differ much from a passive strategy."}],"markDefs":[],"style":"normal"},{"_key":"3919761790f3","_type":"block","children":[{"_key":"6802e895452b","_type":"span","marks":[],"text":"If you're drawn to"},{"_key":"1222aa85e45a","_type":"span","marks":["df5690228e1c"],"text":" sustainable investing"},{"_key":"86b8927a6d8d","_type":"span","marks":[],"text":", active managers often have more flexibility to incorporate "},{"_key":"3487e95a3dc6","_type":"span","marks":["eae5e5481ca8"],"text":"environmental, social, and governance (ESG) "},{"_key":"8eba70cf1f85","_type":"span","marks":[],"text":"criteria into their investment decisions. 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"}],"markDefs":[{"_key":"bc65bd6db096","_type":"glossaryPick","reference":{"_ref":"fed61c02-3002-4768-9374-16377d6a555f","_type":"reference"}}],"style":"normal"},{"_key":"796eb49b3bd8","_type":"block","children":[{"_key":"fcf3345e3510","_type":"span","marks":[],"text":"ETFs trade on the stock exchange, so their prices are influenced by supply and demand – just like individual stocks. Ideally, the market price should reflect the NAV, but it doesn’t always happen. If there’s high demand for a particular ETF, its market price can trade at a premium (higher) to the NAV, and if there’s little interest, it can trade at a discount (lower)."}],"markDefs":[],"style":"normal"},{"_key":"01a9ae08d825","_type":"block","children":[{"_key":"05bfc6a06892","_type":"span","marks":[],"text":"This discrepancy is more common with niche or less "},{"_key":"dde4c707f5fd","_type":"span","marks":["6b0f00e2d964"],"text":"liquid"},{"_key":"74733ca41f02","_type":"span","marks":[],"text":" ETFs (such as real estate), as larger, more popular ETFs with high trading volumes tend to stay closer to their NAV. It's just something to watch out for, particularly if you’re investing in less-established sectors or thematic ETFs."}],"markDefs":[{"_key":"6b0f00e2d964","_type":"glossaryPick","reference":{"_ref":"695ac26e-f82d-442b-842b-88d99f69cd38","_type":"reference"}}],"style":"normal"},{"_key":"0ee2fe4427aa","_type":"block","children":[{"_key":"fd91f9506b31","_type":"span","marks":[],"text":""},{"_key":"1c4d3da0a2d3","_type":"mainAnchor","pageAnchor":{"_ref":"33d7a3c3-9d61-4c73-a2f7-c973a32550ec","_type":"reference"}},{"_key":"05068f1158a6","_type":"span","marks":[],"text":"What's the difference between ETFs, ETCs, and ETNs?"}],"markDefs":[],"style":"h3"},{"_key":"48b4b698e98f","_type":"block","children":[{"_key":"c0296ae51b8f","_type":"span","marks":[],"text":"You may see different acronyms that are associated with the better-known acronym ETF. While ETFs are the most prevalent type of exchange-traded investment, they constitute one segment within the broader Exchange-Traded Products (ETPs) category. The key difference between these vehicles is in their structure and risk profile, with ETFs generally having the lowest risk (as they own the assets), and ETNs having the highest risk (as they're debt instruments dependent on the issuer's creditworthiness)."}],"markDefs":[],"style":"normal"},{"_key":"012f2bc4cd37","_type":"block","children":[{"_key":"4eae172b1e78","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e52d2023a247","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"c8068b830d40","_type":"block","children":[{"_key":"1229b85f0a2f","_type":"span","marks":["strong"],"text":"ETP (Exchange-Traded Product)"},{"_key":"08a2130944e7","_type":"span","marks":[],"text":" - The umbrella term that encompasses all these investment vehicles. Under ETPs, we have three main categories:"}],"markDefs":[],"style":"normal"},{"_key":"2d19b853c54a","_type":"block","children":[{"_key":"9006d5cec5fc","_type":"span","marks":["strong"],"text":"ETF (Exchange-Traded Fund)"},{"_key":"51e75b0db4e6","_type":"span","marks":[],"text":" - Owns the underlying assets, structured as funds with typically lower risk."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"aac15e73eddb","_type":"block","children":[{"_key":"51bb083addf3","_type":"span","marks":["strong"],"text":"ETC (Exchange-Traded Commodity)"},{"_key":"16cde2559f35","_type":"span","marks":[],"text":" - Specifically tracks commodities like metals, energy, or agricultural products."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"64996ee526e7","_type":"block","children":[{"_key":"c17c7be2ba54","_type":"span","marks":["strong"],"text":"ETN (Exchange-Traded Note)"},{"_key":"d5a5770567dd","_type":"span","marks":[],"text":" - Unsecured debt securities that don't own assets but promise to match index returns."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"c96e1576d467","_type":"block","children":[{"_key":"6284f539b6c3","_type":"span","marks":[],"text":""},{"_key":"626039451657","_type":"mainAnchor","pageAnchor":{"_ref":"957565b7-0e48-493b-b2c8-f9c293e8527a","_type":"reference"}},{"_key":"7e555a475dfb","_type":"span","marks":[],"text":"What are the most popular ETFs in 2025?"}],"markDefs":[],"style":"h3"},{"_key":"50e1dcc85dba","_type":"block","children":[{"_key":"7ef8485bb4a6","_type":"span","marks":[],"text":"Curious where other investors are putting their money right now? Each month, we go straight to the source - top UK platforms like AJ Bell, Fidelity, Hargreaves Lansdown and interactive investor - to find out which ETFs are trending."}],"markDefs":[],"style":"normal"},{"_key":"32f226649c67","_type":"block","children":[{"_key":"f10106dc09d9","_type":"span","marks":[],"text":"Whether you're after inspiration, reassurance, or just a nosey peek at the crowd favourites, our regularly updated list reveals which ETFs are winning the popularity contest. Click below to see the latest chart-toppers and discover the ETFs investors are backing this month."}],"markDefs":[],"style":"normal"},{"_key":"c38e88e7be08","_type":"block","children":[{"_key":"51f495d30d43","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"8b7dea2bda41","_type":"block","children":[{"_key":"39be579df116","_type":"span","marks":["strong"],"text":"Best-selling funds, Investment Trusts and ETFs of the month"}],"markDefs":[],"style":"normal"}],"_key":"a75da29311c2","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"aadcd51e-3d7b-47ae-94da-4226f4f25ea8","_type":"reference"},"text":"CLICK HERE"},{"_key":"ae1f95cedf49","_type":"block","children":[{"_key":"d713808ae15c","_type":"span","marks":[],"text":""},{"_key":"f72f60c0983b","_type":"mainAnchor","pageAnchor":{"_ref":"34b1353a-e3e4-4949-a55d-dde0ba144f90","_type":"reference"}},{"_key":"4fec03eb05d3","_type":"span","marks":[],"text":"Key takeaways on ETFs"}],"markDefs":[],"style":"h2"},{"_key":"198ddfc75049","_type":"block","children":[{"_key":"218f107231d4","_type":"span","marks":[],"text":"💰 Easy diversification at low cost"}],"markDefs":[],"style":"h3"},{"_key":"286377f939d8","_type":"block","children":[{"_key":"a2f9c6206de3","_type":"span","marks":[],"text":"ETFs are a simple way to diversify your portfolio without having to pick individual stocks. They offer broad market exposure (e.g., global or sector-specific indices) usually at a lower cost to actively managed funds, making them ideal for beginner investors looking to build a low-maintenance portfolio."}],"markDefs":[],"style":"normal"},{"_key":"02935918ca93","_type":"block","children":[{"_key":"04d0ba4ed0c9","_type":"span","marks":[],"text":"💭 Choose between active and passive "}],"markDefs":[],"style":"h3"},{"_key":"624b809b0419","_type":"block","children":[{"_key":"bb32e5b61ec7","_type":"span","marks":[],"text":"Deciding whether to invest in passive or active ETFs depends on your investment goals. Passive ETFs track a market index and typically have lower fees, while active ETFs are managed by professionals aiming to beat the market. For most beginners, passive ETFs are a great starting point, offering stable, long-term growth potential."}],"markDefs":[],"style":"normal"},{"_key":"47c617dae2b6","_type":"block","children":[{"_key":"2d483787d393","_type":"span","marks":[],"text":"📈 Understand costs and trading dynamics"}],"markDefs":[],"style":"h3"},{"_key":"505ff6ddcfd1","_type":"block","children":[{"_key":"ad2c6e092fd5","_type":"span","marks":[],"text":"While ETFs generally have low fees, it's essential to understand all the costs involved, such as commission fees and the bid-ask spread. ETFs trade like stocks, meaning you can buy or sell anytime during market hours. However, be aware of potential price fluctuations based on demand and supply, especially in niche markets."}],"markDefs":[],"style":"normal"},{"_key":"1d59810c0821","_type":"block","children":[{"_key":"c5055dbdfd8f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"89202e17d1dd","_type":"block","children":[{"_key":"f63fe2ae85cc","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"11eed913b2aa","_type":"block","children":[{"_key":"b95466f10234","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7a3791858955","_type":"block","children":[{"_key":"699651af7e14","_type":"span","marks":[],"text":"[1] "},{"_key":"ae7276ad1c35","_type":"span","marks":["da4d0749d56f"],"text":"Fidelity, January 2025"}],"markDefs":[{"_key":"da4d0749d56f","_type":"internalLinkPick","reference":{"_ref":"cd42b887-ca6d-491e-a878-46714bce07e6","_type":"reference"}}],"style":"normal"}],"brazeCustomAttributes":[{"_key":"52189da98b0e","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_Article_Gated","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/etfs/"}],"categories":[{"_key":"9812e902959a","_ref":"a9695476-b643-4a18-be2a-e8dbf3420afd","_type":"reference"},{"_key":"3b450247e67d","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"3b9e172aceca","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"}],"content":[],"emailSignupWidgetButtonText":"JOIN US","emailSignupWidgetParagraphText":"Join us for free and gain access to award-winning, jargon-free guidance that makes complex money topics both understandable and actionable. Compare investment platforms, ISAs, and pensions through objective reviews and user ratings to find the perfect home for your money. Cut through the financial noise with expert guidance that empowers you to make smarter investment decisions without the confusing terminology that often surrounds personal finance.","enableGatedContent":true,"excerpt":[{"_key":"98dd0dbb9d5a","_type":"block","children":[{"_key":"bd51787a25a9","_type":"span","marks":[],"text":"Discover how Exchange-Traded Funds (ETFs) work in our beginner-friendly guide. Learn about diversification benefits, low costs, trading basics, and how to choose the right ETFs for your investment goals in 2025."}],"markDefs":[],"style":"normal"}],"gateStyle":"Original - Faded","gatedContentBody":[{"_key":"ee8cf9beea42","_type":"block","children":[{"_key":"403559427f68","_type":"span","marks":[],"text":"ETFs (Exchange-Traded Funds) have exploded in popularity, with global values exceeding $10.4 trillion in 2024. These ready-made investment bundles trade like shares but contain many assets – like getting the entire Top 40 chart in one purchase."}],"markDefs":[],"style":"normal"},{"_key":"100942ec38ca","_type":"block","children":[{"_key":"f15eee7cb8ae","_type":"span","marks":[],"text":"Why Investors Love ETFs"}],"markDefs":[],"style":"h2"},{"_key":"3e9823a4b3f7","_type":"block","children":[{"_key":"6c4b7e0f635b","_type":"span","marks":[],"text":"ETFs offer instant diversification across companies, sectors, or themes while keeping costs low. Most track market indices passively, meaning no expensive fund manager – so more of your money stays invested and growing."}],"markDefs":[],"style":"normal"},{"_key":"490448975609","_type":"block","children":[{"_key":"56f3e1598cd6","_type":"span","marks":[],"text":"Perfect if you're new to investing, cost-conscious, or want broad market exposure without picking individual shares."}],"markDefs":[],"style":"normal"},{"_key":"85a496e1722e","_type":"block","children":[{"_key":"9792dbb3e19c","_type":"span","marks":[],"text":"Worth Considering"}],"markDefs":[],"style":"h2"},{"_key":"9d4b2d21dff3","_type":"block","children":[{"_key":"0b519ce6049d","_type":"span","marks":[],"text":"ETFs aren't ideal for everyone. You can't pick the companies inside them (challenging for ethical investors), and owning multiple ETFs might mean unknowingly doubling up on the same investments."}],"markDefs":[],"style":"normal"},{"_key":"5ef4283a5d44","_type":"block","children":[{"_key":"605466820c68","_type":"span","marks":[],"text":"Continue reading our comprehensive guide below."}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":false,"linkMenu":[{"_key":"1cc597c5ce17","_ref":"ff192dd4-e800-412b-9ea1-a785a66550ba","_type":"reference"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-fe162accb7da262d17df275b156f8e12c0d014d1-1920x1080-png","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"c69c3651-50cc-4bc5-8e3e-87bd5c9f0b7f","_type":"reference"},"publishedAt":"2025-05-15T11:34:57.647Z","slug":{"_type":"slug","current":"etfs"},"subfolder":{"_ref":"1e199c4b-b2a5-4733-b5fb-18b5874bd698","_type":"reference"},"template":"C-SB","textNextToKey":"Sign up for free to read more!","theme":"Boring Money theme","title":"ETFs Explained: A Comprehensive Guide for New Investors","widgets":[{"_key":"3da49e60ae25","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"},{"_key":"946d1bcbc517","_ref":"3a6edac9-161a-4f04-9675-c3dbaeffad1b","_type":"reference"},{"_key":"2ca52feb8f98","_ref":"3fefd2ec-9177-427c-9149-529cd1417d24","_type":"reference"}],"id":"-b9c0d3ad-9742-5875-8a02-546ad55d27f8","children":[],"parent":null}}],"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":{"_id":"f1074ea6-e7b0-475f-9cb0-4a22d74cebf5","_type":"information","_rev":"nN27B2ANLaElWH46BMKw3d","_createdAt":"2023-02-06T14:33:09Z","_updatedAt":"2026-05-29T13:31:40Z","_system":{"base":{"id":"f1074ea6-e7b0-475f-9cb0-4a22d74cebf5","rev":"rCROcANhqWKbx5SCbrx0Em"}},"authors":[{"_key":"6b05cf0e4882","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"390b01dc8813","_type":"block","children":[{"_key":"8091f6d70b56","_type":"span","marks":[],"text":"By "},{"_key":"0c1d484cc780","_type":"span","marks":["strong"],"text":"Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"323f34c475df","_type":"block","children":[{"_key":"e9cabfbb6a460","_type":"span","marks":["strong"],"text":"Deciding between a Cash ISA and a Stocks & Shares ISA can be a tricky task. Before we dive into the specifics, let’s make sure we’ve got a good grasp of the basics. Do you know how the different types of ISA work? What’s the difference between a Cash ISA and a Stocks & Shares ISA? And when can you, and can't you, use a Lifetime ISA?"}],"markDefs":[],"style":"normal"},{"_key":"45f2fe639510","_type":"mainImage","alt":"Cash ISA vs Stocks & Shares ISA: Which should you choose? 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There are also other types of ISA, such as "},{"_key":"53595d3edd44","_type":"span","marks":["d2d47dfa1100"],"text":"Lifetime ISAs"},{"_key":"d08e322b9c1f","_type":"span","marks":[],"text":" and "},{"_key":"da9dca91658f","_type":"span","marks":["e89e56e033b8"],"text":"Junior ISAs"},{"_key":"37b5552fee55","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"d2d47dfa1100","_type":"internalLinkPick","reference":{"_ref":"f87e514a-5bd1-4a7c-95cd-f1676e520028","_type":"reference"}},{"_key":"e89e56e033b8","_type":"internalLinkPick","reference":{"_ref":"10ff81a7-9b4e-4d42-bf3c-c4bec3734358","_type":"reference"}}],"style":"normal"},{"_key":"9f97b3e89249","_type":"textboxWidget","text":[{"_key":"b2e34fe45b14","_type":"block","children":[{"_key":"60b3ea1e1a50","_type":"span","marks":["strong"],"text":"Every adult in the UK can:"}],"markDefs":[],"style":"normal"},{"_key":"901411c28376","_type":"block","children":[{"_key":"6394677b190c","_type":"span","marks":[],"text":"Save up to £20,000 into an ISA in any single tax year, without paying tax. The current tax year runs from 6 April 2023 to 5 April 2024."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"139d6982300e","_type":"block","children":[{"_key":"81010b6b0151","_type":"span","marks":[],"text":"Only open and pay into one of each type of ISA - such as a Cash or Stocks & Shares ISA - per tax year."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"b91d3630f03b","_type":"block","children":[{"_key":"d2b8d6356bfa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"74747f4c1f31","_type":"block","children":[{"_key":"83cbfc01affe","_type":"span","marks":[],"text":"Also, your £20,000 annual allowance is split across all the ISAs you own. For example - let's say you open a Cash ISA and a Stocks & Shares ISA - if you put £15,000 into your Cash ISA during this tax year, you could put a maximum of £5,000 into your Stocks & Shares one. "}],"markDefs":[],"style":"normal"},{"_key":"9c0efe23f202","_type":"block","children":[{"_key":"bb8880b17196","_type":"span","marks":[],"text":"What is a Cash ISA?"}],"markDefs":[],"style":"h3"},{"_key":"55be609afe11","_type":"block","children":[{"_key":"5bb07b16c696","_type":"span","marks":[],"text":"A Cash ISA is a type of ISA where your money is kept in cash – rather than being invested – where it can gain interest over time. This type of ISA favours high interest rates so that you can squeeze the most out of your money. You can tuck away up to £20,000 into a Cash ISA every year without paying any tax, which sounds like a no-brainer at first, but you should also consider that cash is especially vulnerable to inflation and could lose some of its purchasing power over time."}],"markDefs":[],"style":"normal"},{"_key":"2b55c0e1d7c6","_type":"block","children":[{"_key":"f364be4af281","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a7b29779d213","_type":"prosConsWidget","cons":["You're saving for a long period of time","Inflation is high","Interest rates are low"],"consTitle":"Bad if...","pros":["You're saving for an important goal","You might need quick access to your cash","Interest rates are high"],"prosTitle":"Good if..."},{"_key":"f6d1a1276942","_type":"block","children":[{"_key":"f9517c0b18f3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h3"},{"_key":"b9609248cfd5","_type":"block","children":[{"_key":"8012dd9bfc7b","_type":"span","marks":[],"text":"What is a Stocks & Shares ISA?"}],"markDefs":[],"style":"h3"},{"_key":"b23c6eaea7b0","_type":"block","children":[{"_key":"1172965f3943","_type":"span","marks":[],"text":"A Stocks & Shares ISA is a type of ISA where the money in your account is invested in the stock market with the aim of generating a profit. This type of ISA is more volatile than its cash equivalent, as is the nature of shares and funds, but it can be a great option for those looking to dip their toes into investing within a tax-free wrapper. You can put away up to £20,000 into a Stocks & Shares ISA each year - just remember that, as always, you can lose capital as well as gain it."}],"markDefs":[],"style":"normal"},{"_key":"167d35c4fbcd","_type":"block","children":[{"_key":"0367d4be6f39","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b1c927126d64","_type":"prosConsWidget","cons":["You prefer the security of cash to stock market risk","You might need to access your cash at short-notice","You're saving for an important or short-term goal (<5 years)"],"consTitle":"Bad if....","pros":["You're saving for a long period of time","You want to try out investing","You don't mind waiting to access your cash"],"prosTitle":"Good if..."},{"_key":"b3f165dc1465","_type":"block","children":[{"_key":"0819c85c78bc","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c60204640963","_type":"block","children":[{"_key":"6d6da1426d7b","_type":"span","marks":[],"text":"Cash ISAs vs Stocks & Shares ISAs"}],"markDefs":[],"style":"h2"},{"_key":"9492d6aaff3d","_type":"block","children":[{"_key":"30012bde09a2","_type":"span","marks":[],"text":"So now we’ve covered the foundations, let’s compare when and why a Cash ISA or a Stocks & Shares ISA would be best for you."}],"markDefs":[],"style":"normal"},{"_key":"273401eaee47","_type":"block","children":[{"_key":"6d5b66a5030c","_type":"span","marks":[],"text":"What are you saving for?"}],"markDefs":[],"style":"h3"},{"_key":"6d25aa679f58","_type":"block","children":[{"_key":"fee62f02d816","_type":"span","marks":[],"text":"When deciding if a Cash ISA or a Stocks & Shares ISA is best for you, it helps to know exactly what you’re saving for in the first place, as this can be a deciding factor in which type of ISA is best suited to your needs."}],"markDefs":[],"style":"normal"},{"_key":"41a835c37575","_type":"block","children":[{"_key":"717148cfff4e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h4"},{"_key":"3af6ced1700f","_type":"prosConsWidget","prosTitle":"You don't have a specific financial goal in mind: Stocks & Shares ISA"},{"_key":"968d2d9987d9","_type":"block","children":[{"_key":"8b0aebb0f6eb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h4"},{"_key":"7cc62b350639","_type":"block","children":[{"_key":"2b17ba6295d5","_type":"span","marks":[],"text":"If you’ve got some extra income that you’d like to make the most out of - but don't mind tucking away for a while - then a Stocks & Shares ISA is a great way to see how far that can take you. You're not depending on this money for any critical goals, such as buying a house, so it's not necessarily the end of the world if the stock market takes a turn for the worse and you end up losing some of your capital. Plus, you're not going to need your money any time soon, so it's not a problem to you if you can't immediately withdraw your funds from your account."}],"markDefs":[],"style":"normal"},{"_key":"0061b666b175","_type":"block","children":[{"_key":"9ff10f3d3938","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"76f15fb854f5","_type":"prosConsWidget","prosTitle":"You have a specific financial goal in mind: Cash ISA"},{"_key":"1a1ac9f32133","_type":"block","children":[{"_key":"6b70dd532f8b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"20f6940548bc","_type":"block","children":[{"_key":"026c17e1e460","_type":"span","marks":[],"text":"However, if you have a specific and important goal in mind - like buying your first property or a new car - then a Cash ISA will give you a better sense of security as you're not exposed to the potential pitfalls of the stock market. Your money isn't subject to the same level of risk as it would be if it was invested, so Cash ISAs are a good fit if you want to save for something important, and it's usually much easier to withdraw your funds at short-notice than with a Stocks & Shares ISA."}],"markDefs":[],"style":"normal"},{"_key":"343722b61dcd","_type":"block","children":[{"_key":"77bfce689d48","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"57920c0d4ec9","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","alt":"Top tip: Lifetime ISAs","asset":{"_ref":"image-d7ee640a218dd0f3d251c4e2c570655322ae75d4-606x438-jpg","_type":"reference"}},"quote":[{"_key":"136e870b5078","_type":"block","children":[{"_key":"5608d68fc67f","_type":"span","marks":[],"text":"My top tip: If you're between 18-39 and saving to buy your first home or for retirement, consider opening a cash Lifetime ISA, which is similar to a Cash ISA but gives you the added bonus of a 25% government top-up every tax year!"}],"markDefs":[],"style":"normal"}]},{"_key":"35f3c1e35f8d","_type":"block","children":[{"_key":"291bae0791fc","_type":"span","marks":[],"text":"When will you need your money?"}],"markDefs":[],"style":"h3"},{"_key":"469fb76aaae3","_type":"block","children":[{"_key":"fdd62f488ae3","_type":"span","marks":[],"text":"Choosing between a Cash ISA and a Stocks & Shares ISA also comes down to when you think you'll need to access your money, as there are differences in how these two accounts work, so being clear on when you'll need to cash in can help you make a decision."}],"markDefs":[],"style":"normal"},{"_key":"290cb0b1ccda","_type":"block","children":[{"_key":"99eab8203734","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"28f069de16cb","_type":"prosConsWidget","prosTitle":"You won't need your money for a while: Stocks & Shares ISA"},{"_key":"a078657d88be","_type":"block","children":[{"_key":"5ec71d0c6a26","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cfd5ba3a06a0","_type":"block","children":[{"_key":"2ea16572e2a1","_type":"span","marks":[],"text":"Let's say you’re saving money to put towards retirement, so you can afford the one you've always dreamed of. Maybe you want to travel the world, or maybe you just want to make sure you're comfortable and won't have to worry about making ends meet. Longer timeframes like this are better suited to a Stocks & Shares ISA, where you can let your money accumulate interest over the years, and you aren't going to need to immediately access it at short-notice."}],"markDefs":[],"style":"normal"},{"_key":"99fd2ce865ac","_type":"block","children":[{"_key":"5821fa69c87a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6db94d5b6cd9","_type":"prosConsWidget","prosTitle":"You might need your money soon: Cash ISA"},{"_key":"a890bbbd01d5","_type":"block","children":[{"_key":"1672632fb73f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d21a8641cf85","_type":"block","children":[{"_key":"63ea6549cad4","_type":"span","marks":[],"text":"On the other hand, if you're saving for something a little bit nearer or more important on the horizon - a new car in the next year or two, or an emergency fund, for example - this is where a Cash ISA is more suitable. You can usually withdraw funds from a Cash ISA more quickly than with a Stocks & Shares ISA (typically around 1 working day, or immediately if you have an instant-access account!) and you won't need to wait around for your provider to retrieve money from any investments."}],"markDefs":[],"style":"normal"},{"_key":"0a380ac07884","_type":"block","children":[{"_key":"2cc43316656a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c52d5a80549","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","alt":"Top tip: Lifetime ISAs","asset":{"_ref":"image-d7ee640a218dd0f3d251c4e2c570655322ae75d4-606x438-jpg","_type":"reference"}},"quote":[{"_key":"136e870b5078","_type":"block","children":[{"_key":"55eef03bc33a","_type":"span","marks":[],"text":"My top tip: If you're building an emergency fund, an instant-access Cash ISA will let you earn interest on your savings while also giving you the freedom to withdraw your funds immediately whenever you need it!"}],"markDefs":[],"style":"normal"}]},{"_key":"489d365f1846","_type":"block","children":[{"_key":"9701d0157a2c","_type":"span","marks":[],"text":"The right ISA for your financial goals"}],"markDefs":[],"style":"h2"},{"_key":"b383a2536e04","_type":"block","children":[{"_key":"d11425f09046","_type":"span","marks":[],"text":"There are lots of reasons why you might want to open an ISA. Here are some common financial goals you may be aiming for and which type of ISA would be best for you."}],"markDefs":[],"style":"normal"},{"_key":"99b286d424d6","_type":"block","children":[{"_key":"40a2f4602f19","_type":"span","marks":[],"text":"Buying your first home: Cash ISA or Cash LISA"}],"markDefs":[],"style":"h4"},{"_key":"a8c9087913e7","_type":"block","children":[{"_key":"74299f058da9","_type":"span","marks":[],"text":"This is an important milestone for many of us, so you want to make sure you’ve got the security that a Cash ISA provides so you don’t end up losing any money. An even better choice would be a Cash LISA, however, so you can benefit from the free 25% government top-up every tax year – just remember you can only deposit £4,000 per year, so this only really works if you’re going to be saving at a slow pace anyway. If you've got good momentum behind saving for a deposit, stick with a trusty Cash ISA instead."}],"markDefs":[],"style":"normal"},{"_key":"b314c42d6f24","_type":"block","children":[{"_key":"b181aa78a72f","_type":"span","marks":[],"text":"Saving for retirement: Stocks & Shares ISA or Stocks & Shares LISA"}],"markDefs":[],"style":"h4"},{"_key":"c4bc02bca627","_type":"block","children":[{"_key":"6f8f12e590f3","_type":"span","marks":[],"text":"Saving up for later life is typically a faraway financial goal, and when you’ve got decades of time on your hands, it makes sense to take advantage of stock market growth - which, historically, has given better returns than cash. If markets take a turn for the worse and you’d prefer to switch to cash, you can always transfer your funds into a Cash ISA, but sometimes sticking it out for the long run is worth the wait. Alternatively, you can also use a LISA for your retirement savings, and you can even choose a Stocks and Shares LISA to get the best of both worlds."}],"markDefs":[],"style":"normal"},{"_key":"30c70c94bdac","_type":"block","children":[{"_key":"9e7978d99452","_type":"span","marks":[],"text":"Saving for a big holiday: Cash ISA"}],"markDefs":[],"style":"h4"},{"_key":"fce1aa0b5cc8","_type":"block","children":[{"_key":"4b6b6adfc42a","_type":"span","marks":[],"text":"Desperate for a holiday ASAP? Use a Cash ISA to put money away as and when you can. This is also a great opportunity to try out budgeting apps such as "},{"_key":"e09f1e6e074f","_type":"span","marks":["50a56d2b438f"],"text":"Plum"},{"_key":"8547e7dcf5ba","_type":"span","marks":[],"text":" or "},{"_key":"d29bdbb3ce4f","_type":"span","marks":["9d5d98de759a"],"text":"Moneybox"},{"_key":"924aaddd80d3","_type":"span","marks":[],"text":", where you can separate your savings into different pots for different purposes. You can even enable handy \"round-up\" functions, which round up every transaction you make to the nearest pound and put the difference into your chosen pot. You'd be surprised how much you can put away each month if you leave it to the apps to crunch the numbers for you."}],"markDefs":[{"_key":"50a56d2b438f","_type":"internalLinkPick","reference":{"_ref":"3f877e48-d933-4086-ad68-3a8eefd9b089","_type":"reference"}},{"_key":"9d5d98de759a","_type":"internalLinkPick","reference":{"_ref":"48eefe98-4387-47be-9a78-b88e7313c646","_type":"reference"}}],"style":"normal"},{"_key":"4cd4e7345249","_type":"block","children":[{"_key":"4862c44e692d","_type":"span","marks":[],"text":"Putting money away for your kids/grandkids: Cash JISA or Stocks & Shares JISA"}],"markDefs":[],"style":"h4"},{"_key":"1f28c9fd374d","_type":"block","children":[{"_key":"820c39e33887","_type":"span","marks":[],"text":"If you’re putting some money away for a lucky little one’s next birthday, then a Cash ISA is the way to go, but a longer-term goal – such as a 21st birthday present - would be better suited to a Stocks & Shares ISA. This is also when the Junior ISA emerges as a great alternative. You can save up to £9,000 each year without paying any tax, for the kids to get their hands on once they turn 18. You can pick a Cash or a Stocks & Shares version, but if you've got a lot of time before that all-important 18th birthday, go for a Stocks & Shares JISA."}],"markDefs":[],"style":"normal"},{"_key":"b34b79a06e5c","_type":"block","children":[{"_key":"a75eed82370c","_type":"span","marks":[],"text":"Buying a car: Cash ISA"}],"markDefs":[],"style":"h4"},{"_key":"6a4dfde1af56","_type":"block","children":[{"_key":"f808cc97cbde","_type":"span","marks":[],"text":"Buying a car is a pretty big and important investment, especially if you’re not in a position where you can use public transport to get around day to day. You won’t want to save up thousands of pounds just to lose it if the stock market decides to take a dip! Stick with a Cash ISA to be safe, and you'll also benefit from being able to quickly withdraw your funds if your existing vehicle kicks the bucket and you need to quickly finance a replacement."}],"markDefs":[],"style":"normal"},{"_key":"2b960ca87573","_type":"block","children":[{"_key":"dda56b6659f6","_type":"span","marks":[],"text":"Trying out investing: Stocks & Shares ISA"}],"markDefs":[],"style":"h4"},{"_key":"2a6873ce0b2d","_type":"block","children":[{"_key":"893443c6b816","_type":"span","marks":[],"text":"If you’re curious about investing, don’t want to tackle the various and confusing tax rules that come with it, and are only going to invest up to a maximum of £20,000 per year, then a Stocks & Shares ISA is the right ISA for you. Just remember that if you want to quickly withdraw your money, you might have to wait a few weeks for your provider to retrieve the cash that's been invested. "}],"markDefs":[],"style":"normal"},{"_key":"2ade741057f9","_type":"block","children":[{"_key":"83ba8479cfaa","_type":"span","marks":[],"text":"The best Stocks & Shares ISAs"}],"markDefs":[],"style":"h2"},{"_key":"e14885cec71b","_type":"block","children":[{"_key":"a94f1c5d450e","_type":"span","marks":[],"text":"If you’ve decided a Stocks & Shares ISA is the one for you, make sure you head over to our ISA comparison tables to see which providers have our - and our readers' - seal of approval."}],"markDefs":[],"style":"normal"},{"_key":"10d70127247a","_type":"block","children":[{"_key":"4798723d042e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"064d402a187a","_type":"block","children":[{"_key":"6e4d9ce4293e","_type":"span","marks":["strong"],"text":"Find the best ISA for you!"}],"markDefs":[],"style":"normal"}],"_key":"6d5c81163f27","_type":"ctaWidget","openNewTab":true,"reference":{"_ref":"1b584fe9-c769-434f-9c4b-d57c0ef37a5c","_type":"reference"},"text":"COMPARE PROVIDERS"}],"brazeCustomAttributes":[{"_key":"b2aa4f4a1150","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_ISA_Articles","customAttributeValue":"https://www.boringmoney.co.uk/hub/isas/articles/cash-isa-vs-stocks-shares-isa-which-should-you-choose/"}],"brazeSubscriptionGroupId":"dc27e200-5731-45c1-84f8-f96665978236","brazeSubscriptionRef":null,"categories":[{"_key":"07b36acfb472","_ref":"93c8563a-3c8a-440c-aa52-1792f61017f3","_type":"reference"},{"_key":"cab88f382b48","_ref":"39d2ca7f-4862-4ab2-b902-0bf10f1d4c34","_type":"reference"}],"emailSignupWidgetButtonText":"SIGN UP","emailSignupWidgetImage":{"_type":"mainImage","alt":"Gated content"},"enableGatedContent":false,"excerpt":[{"_key":"394cfac44981","_type":"block","children":[{"_key":"3b5fb065e8f5","_type":"span","marks":[],"text":"Deciding between a Cash ISA and a "},{"_key":"722c02bfbefe","_type":"span","marks":["5e0385d31f7f"],"text":"Stocks & Shares ISA"},{"_key":"52c9f2922f49","_type":"span","marks":[],"text":" can be a tricky task. Before we dive into the specifics, let’s make sure we’ve got a good grasp of the basics."}],"markDefs":[{"_key":"5e0385d31f7f","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"f674fb95851c","_type":"block","children":[{"_key":"701000262efb","_type":"span","marks":[],"text":"Deciding between a Cash ISA and a "},{"_key":"b39a12aa7553","_type":"span","marks":["d4367e7de755"],"text":"Stocks & Shares ISA"},{"_key":"c0125833a7cc","_type":"span","marks":[],"text":" can be a tricky task. Before we dive into the specifics, let’s make sure we’ve got a good grasp of the basics. Do you know how the different types of ISA work? What’s the difference between a Cash ISA and a Stocks & Shares ISA? 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"}],"markDefs":[],"style":"normal"},{"_key":"6ecfac0706cb","_type":"block","children":[{"_key":"0bdc9cd9b4c4","_type":"span","marks":[],"text":"They are designed to recognise the best investment platforms and providers in the UK across a range of categories - from Stocks & Shares ISAs, pensions, digital investment apps, and customer experience. 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For the 2026-27 tax year, the full New State Pension is £241.3 a week or £12,548 a year."}],"markDefs":[],"style":"normal"},{"_key":"d853eb36c9d0","_type":"block","children":[{"_key":"20d0c42ffe3d","_type":"span","marks":[],"text":"You must have paid NI contributions for a minimum of 10 years to qualify for any New State Pension and you must have 35 years of contributions to qualify for the full New State Pension."}],"markDefs":[],"style":"normal"},{"_key":"3addcfdf23b8","_type":"block","children":[{"_key":"4d8c1b68d2f8","_type":"span","marks":[],"text":"If you have fewer than the minimum number of 35 qualifying years of NI contributions, the amount of New State Pension you receive will be less than the full £232.25 a week."}],"markDefs":[],"style":"normal"},{"_key":"e22786b3848d","_type":"block","children":[{"_key":"a7133f414f6b","_type":"span","marks":[],"text":""},{"_key":"65554faee71b","_type":"mainAnchor","pageAnchor":{"_ref":"7293ea82-9217-4cdc-85f4-5bce05105700","_type":"reference"}},{"_key":"2f8fa2b440d3","_type":"span","marks":[],"text":"Basic State Pension"}],"markDefs":[],"style":"h3"},{"_key":"f5fe24f35ba4","_type":"block","children":[{"_key":"164562c21d600","_type":"span","marks":[],"text":"If you're a man born after 6 April 1945 and before 6 April 1951 or a woman born after 5 April 1950 and before 6 April 1953, you are entitled to the Basic State Pension. 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It will tell you:"}],"markDefs":[],"style":"normal"},{"_key":"651f02928d7e","_type":"block","children":[{"_key":"979940ea061b","_type":"span","marks":[],"text":"How much State Pension you will get"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"18186eb9edb0","_type":"block","children":[{"_key":"2072940565d7","_type":"span","marks":[],"text":"When you will get your first State Pension payments"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"40c5acf102fd","_type":"block","children":[{"_key":"f698f2c4576b","_type":"span","marks":[],"text":"How to increase your State Pension entitlement (if you can)"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"aacd45654c3d","_type":"block","children":[{"_key":"ae7175d61286","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"18fc74d3d68f","_type":"block","children":[{"_key":"ec745ff208f5","_type":"span","marks":["strong"],"text":"Check your State Pension forecast"}],"markDefs":[],"style":"normal"}],"_key":"04d7ac3b2389","_type":"ctaWidget","openNewTab":true,"reference":{"_ref":"2e7d1f0a-6c48-4c71-984e-0c90a29cc169","_type":"reference"},"text":"START NOW"},{"_key":"a7f1deabdaae","_type":"block","children":[{"_key":"7f78a15bdded","_type":"span","marks":[],"text":""},{"_key":"baea572d5d85","_type":"mainAnchor","pageAnchor":{"_ref":"9d58fb8d-a777-4857-9bcf-d814c57968e5","_type":"reference"}},{"_key":"db0fac03c483","_type":"span","marks":[],"text":"How can I increase my State Pension entitlement?"}],"markDefs":[],"style":"h2"},{"_key":"ab30d2ee9402","_type":"block","children":[{"_key":"4330008c90a00","_type":"span","marks":[],"text":"Many people will have gaps in their NI contribution records - thanks to childcare, illness, unemployment or just other life stuff getting in the way - and therefore may not be eligible for the full State Pension amount. The good news is that you can pay to plug the gaps - by getting 'credits' – which you can use to top up your NI contributions and get yourself more State Pension."}],"markDefs":[],"style":"normal"},{"_key":"806325d8df69","_type":"block","children":[{"_key":"c005c2fd3bfc0","_type":"span","marks":[],"text":"Previously, individuals of a certain age were able to pay to fill gaps in their NI contribution record dating back to 2006 in exchange for more State Pension. This was eligible for men born after 5 April 1951 and women born after 5 April 1953. However, as at 6 April 2025, you can only plug gaps going back six tax years."}],"markDefs":[],"style":"normal"},{"_key":"da9f749ab845","_type":"block","children":[{"_key":"b7cfad9df32e","_type":"span","marks":[],"text":"Filling gaps in your NI record will cost you approximately £824 per year (partial years cost less). For each year you fill, you get an extra 1/35th of State Pension - which works out at around £342. This means you effectively earn your money back in around three years, so it can prove very good value."}],"markDefs":[],"style":"normal"},{"_key":"8cd4364db97f","_type":"block","children":[{"_key":"9239ee6a43750","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"56697684a825","_type":"block","children":[{"_key":"31341414c2ff","_type":"span","marks":["strong"],"text":"How can I top up my State Pension entitlement?"}],"markDefs":[],"style":"normal"}],"_key":"64df4e709838","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"7fb165cd-6350-4acf-853c-9020f0c1a257","_type":"reference"},"text":"FIND OUT"},{"_key":"acf529478d09","_type":"block","children":[{"_key":"159480505970","_type":"span","marks":[],"text":""},{"_key":"37f88c7d8f65","_type":"mainAnchor","pageAnchor":{"_ref":"cb0b2053-702d-4be6-bf0a-e0ceab6b047c","_type":"reference"}},{"_key":"3a3d0f262fd7","_type":"span","marks":[],"text":"Can I defer my State Pension?"}],"markDefs":[],"style":"h2"},{"_key":"8cff65f63c0a","_type":"block","children":[{"_key":"cef657a610ba","_type":"span","marks":[],"text":"You don't get your State Pension automatically - you have to claim it from the government. You usually receive a letter no later than 8 weeks before you reach State Pension age telling you what to do. However, you don't have to take your State Pension at your State Pension age. You can put off receiving the payments and this can actually increase the amount you will get when you do claim it. "}],"markDefs":[],"style":"normal"},{"_key":"7a880b9e331b","_type":"block","children":[{"_key":"e29d7dc9abb2","_type":"span","marks":[],"text":"To defer your State Pension, you don't have to do anything as it will be automatically deferred until you claim it yourself. 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If you're self-employed, you're entitled to the State Pension just like everyone else. However, as eligibility is based on your NI contributions, self-employed people have to take extra care to make sure that they have paid the minimum amount of NI to qualify (and, if you're aiming for the full amount, make sure you hit the minimum threshold for that too). "}],"markDefs":[],"style":"normal"},{"_key":"7ec1c1bd7375","_type":"block","children":[{"_key":"2ea2e7115e55","_type":"span","marks":[],"text":"The government's MoneyHelper service has a great breakdown of how pensions work for self-employed people "},{"_key":"66b4762797ec","_type":"span","marks":["e4408cb38bde"],"text":"here"},{"_key":"ba5793ee7be3","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"e4408cb38bde","_type":"internalLinkPick","blank":true,"reference":{"_ref":"5f20efea-a891-4fb0-86af-5d55f29b4094","_type":"reference"}}],"style":"normal"},{"_key":"440c3b502bda","_type":"block","children":[{"_key":"cc46df665567","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"9f6b6ddfaef7","_type":"block","children":[{"_key":"4f5400914c82","_type":"span","marks":["strong"],"text":"Self-employed retirement tips: Top pension planning strategies"}],"markDefs":[],"style":"normal"}],"_key":"a9e10394854f","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"5775b807-ac97-4a04-8329-cb7734a2dbf9","_type":"reference"},"text":"READ MORE"},{"_key":"258a4c630c9c","_type":"block","children":[{"_key":"a4018b51b8a40","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"bcf37201964a","_type":"block","children":[{"_key":"70491d3dd0de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6a5441f4265e","_type":"block","children":[{"_key":"6d12e468e2df","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"be8a91e62ca6","_type":"block","children":[{"_key":"12394241aac1","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"c1bcbef06414","_type":"block","children":[{"_key":"0b983db2d8a7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"15dfd1fe514c","_type":"block","children":[{"_key":"12ddbc28d4c7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3ad611a543c0","_type":"block","children":[{"_key":"d003305d61bb","_type":"span","marks":["c05054648d51"],"text":"[1] Department for Work & Pensions, August 2025"}],"markDefs":[{"_key":"c05054648d51","_type":"internalLinkPick","blank":true,"reference":{"_ref":"fafbd3b6-6315-4636-9330-07d82be80ca5","_type":"reference"}}],"style":"normal"},{"_key":"f8790c237588","_type":"block","children":[{"_key":"d41b088b03b9","_type":"span","marks":["5b8890be315b"],"text":"[2] Department for Work & Pensions, August 2025"}],"markDefs":[{"_key":"5b8890be315b","_type":"internalLinkPick","blank":true,"reference":{"_ref":"fafbd3b6-6315-4636-9330-07d82be80ca5","_type":"reference"}}],"style":"normal"}],"brazeCustomAttributes":[{"_key":"ab4dc7ef3c7c","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_Article_Gated","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/state-pension/"}],"categories":[{"_key":"92f3bddfe459","_ref":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","_type":"reference"},{"_key":"950e4b769f8b","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"124cedb870dc","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"emailSignupWidgetButtonText":"SIGN UP","emailSignupWidgetImage":{"_type":"mainImage","alt":"Gated content"},"emailSignupWidgetParagraphText":"Join Boring Money for free today to make better money choices, whether using our guides, expert analysis, or comparison tools to find the best home for your money. Registering should take you less than a minute so its quick and painless.  ","enableGatedContent":true,"excerpt":[{"_key":"8f28db3d1dcc","_type":"block","children":[{"_key":"6e5e04ef3330","_type":"span","marks":[],"text":"Everything you need to know about the UK State Pension in 2025. Learn about eligibility, how to claim, get a forecast, and discover ways to increase your retirement income. Read our comprehensive guide."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"8082f61a2bf3","_type":"block","children":[{"_key":"d29336b353a0","_type":"span","marks":[],"text":"State Pension increases from April 2026 for those with sufficient National Insurance contributions."}],"markDefs":[],"style":"normal"},{"_key":"6188b5fae617","_type":"block","children":[{"_key":"b8a42b988830","_type":"span","marks":[],"text":"Many Britons unknowingly miss out due to gaps in their National Insurance records"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e306c77573b3","_type":"block","children":[{"_key":"d2bbf005fba1","_type":"span","marks":[],"text":"Readers will learn:"}],"markDefs":[],"style":"h3"},{"_key":"092c8e5ecebd","_type":"block","children":[{"_key":"1d13a0db95cb","_type":"span","marks":[],"text":"✅ How to check their State Pension forecast"}],"markDefs":[],"style":"normal"},{"_key":"eef47dcbeb99","_type":"block","children":[{"_key":"30d2a8b1d4cf","_type":"span","marks":[],"text":"🫙 Benefits of filling National Insurance gaps"}],"markDefs":[],"style":"normal"},{"_key":"793bdd050be7","_type":"block","children":[{"_key":"a51e41be6968","_type":"span","marks":[],"text":"Takeaways:"}],"markDefs":[],"style":"h3"},{"_key":"d37eec5e2c73","_type":"block","children":[{"_key":"5bd92cd232d7","_type":"span","marks":[],"text":"⬇️Missing contributions substantially reduce lifetime pension income"}],"markDefs":[],"style":"normal"},{"_key":"4e8028a9f67d","_type":"block","children":[{"_key":"a06c2fdfc5c0","_type":"span","marks":[],"text":"👔Special considerations for self-employed"}],"markDefs":[],"style":"normal"},{"_key":"d3a7f0f46436","_type":"block","children":[{"_key":"3794bbb3ba6a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7f0b055adfcc","_type":"block","children":[{"_key":"36a6abe9869a","_type":"span","marks":[],"text":"Understanding your personal National Insurance record is crucial. Those with career breaks, part-time work, or self-employment often have significant gaps."}],"markDefs":[],"style":"normal"},{"_key":"91d9f238b2af","_type":"block","children":[{"_key":"ce818e418b7d","_type":"span","marks":[],"text":"Our analysis shows incomplete contribution records result in considerably less income over retirement. The good news is these gaps can be filled."}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":true,"linkMenu":[{"_key":"9477ff2cb177","_ref":"27f51fe6-d359-4d7b-8a5b-8c8cdfe0eb6c","_type":"reference"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-8832d4a9735d5178ced01018a03168562eadc753-3840x2160-png","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"0fe54c86-7f69-4535-b156-e75043139535","_type":"reference"},"publishedAt":"2025-09-04T12:11:29.626Z","slug":{"_type":"slug","current":"state-pension"},"subfolder":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"template":"C-SB","textNextToKey":"Unlock this article to continue reading","title":"Your Complete Guide To The UK State Pension: Eligibility, How To Claim & More","widgets":[{"_key":"c026bdaec3a9","_ref":"7e9f7d04-d75d-4124-82b8-fdd3e833d0ff","_type":"reference"},{"_key":"35b66dfce4f6","_ref":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","_type":"reference"},{"_key":"7b52b079d5f7","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-ea9790d5-4b28-54a9-9924-9ea4cc829a79","children":[],"parent":null}}],"style":"normal"},{"_key":"0ab1a2f22a65","_type":"block","children":[{"_key":"bdb467a49f85","_type":"span","marks":[],"text":"Our Founder & CEO Holly Mackay explains the basics about SIPPs and why they're so attractive in the video below."}],"markDefs":[],"style":"normal"},{"_key":"33c9f7d9a9ed","_type":"block","children":[{"_key":"dc11efff45a4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5e0dc1dae8d7","_type":"mainVideo","url":"https://vimeo.com/834409504/"},{"_key":"1d8cbd5ed51e","_type":"block","children":[{"_key":"a7350b5202db","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4160dc071912","_type":"block","children":[{"_key":"29fde48956cb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c25941e986b5","_type":"block","children":[{"_key":"c9144eaaca10","_type":"span","marks":[],"text":"Here are some of the main things you need to know about SIPPs:"}],"markDefs":[],"style":"normal"},{"_key":"cdb5dee345bf","_type":"block","children":[{"_key":"94886fdff264","_type":"span","marks":[],"text":"You get to choose how your retirement savings are invested"}],"markDefs":[],"style":"h4"},{"_key":"d35ab0e8aeef","_type":"block","children":[{"_key":"9986ab7dc5cd","_type":"span","marks":[],"text":"There are dozens of SIPP providers on the market and there’s a huge range of investments you can select from, too. "},{"_key":"fe1de83f24df","_type":"span","marks":["c7543acc4588"],"text":"Shares"},{"_key":"4a12ff931861","_type":"span","marks":[],"text":", "},{"_key":"3cdc1d649cec","_type":"span","marks":["02752cc3a561"],"text":"funds"},{"_key":"73da5097dc5f","_type":"span","marks":[],"text":", "},{"_key":"e441c91e53aa","_type":"span","marks":["53d971adffc6"],"text":"bonds"},{"_key":"3ffd7b734354","_type":"span","marks":[],"text":", property... the mix and proportion of investments in your SIPP is down to which products and provider you choose. So every time you put some cash into your SIPP, you get to decide what investments to buy with your cash, and therefore you control how your retirement savings are deployed - neat!"}],"markDefs":[{"_key":"c7543acc4588","_type":"internalLinkPick","reference":{"_id":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"information","_rev":"iG7LJCIXmUyigSDTCeWuBs","_createdAt":"2021-06-22T10:37:39Z","_updatedAt":"2026-04-24T10:42:38Z","_system":{"base":{"id":"5b858673-70a9-4b94-bbfb-aec333a62ae9","rev":"OE33piSrLEszcsMfOsZaMB"}},"authors":[{"_key":"51b2fa4d444b","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"1a609e178132","_type":"block","children":[{"_key":"43b14faa8ddc","_type":"span","marks":["strong"],"text":"By Boring Money "}],"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 small slice of a company"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d6fd721e33fa","_type":"block","children":[{"_key":"678923f56f99","_type":"span","marks":[],"text":"Can be bought individually or as part of other products, such as "},{"_key":"89ceb45b1a6c","_type":"span","marks":["84721b33c79c"],"text":"funds"},{"_key":"9a01627063b6","_type":"span","marks":[],"text":", "},{"_key":"d07dc9ea82c7","_type":"span","marks":["6cf0634b52cc"],"text":"ETFs"},{"_key":"6dae4cb2b50c","_type":"span","marks":[],"text":" or "},{"_key":"81348edefda6","_type":"span","marks":["aa7e1918e3fc"],"text":"investment trusts"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"6cf0634b52cc","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}},{"_key":"aa7e1918e3fc","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}},{"_key":"84721b33c79c","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"982614bc184e","_type":"block","children":[{"_key":"3056c5772a6f","_type":"span","marks":[],"text":"Typically riskier than cash (especially if you only invest in a select 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 below."}],"markDefs":[],"style":"normal"},{"_key":"e9683ef541ea","_type":"block","children":[{"_key":"a4dd9b2bd85a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"996bf6bc4056","_type":"mainVideo","url":"https://vimeo.com/781082178"},{"_key":"14b6f2a99aeb","_type":"block","children":[{"_key":"ab9ca93ca293","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"331e2da9213a","_type":"block","children":[{"_key":"4c988b950ac7","_type":"span","marks":[],"text":"\nInvesting, at the heart of it, is about putting your money into businesses you believe have the potential to grow. This is where shares come in. They let us own a small slice of a company, so if they do well, so do we. And if they flop, we lose money."}],"markDefs":[],"style":"normal"},{"_key":"a0e51805f65c","_type":"block","children":[{"_key":"1d694591f0bd0","_type":"span","marks":[],"text":"Also known as stocks, or equities, shares exist to enable companies to raise money to fund their activity and growth. Individuals or companies buy shares, and give that company some money in return for ownership of a small piece of that business."}],"markDefs":[],"style":"normal"},{"_key":"059b41aceadf","_type":"block","children":[{"_key":"e2ce0bb15dbb0","_type":"span","marks":[],"text":"The thought process behind buying a share is no more complicated than what you see on Dragon's Den. You're the dragon trying to work out if you should invest in the company or not. But buying a single share can actually be a risky way to access the stock market. Why? Well, you're putting all your eggs in one basket."}],"markDefs":[],"style":"normal"},{"_key":"406e204d28d3","_type":"block","children":[{"_key":"8fe730591b110","_type":"span","marks":[],"text":"We spoke to a lady who was horrified that she bought M&S shares and they went down. \"I mean, it was M&S! They're really busy!\" Just because it's a big brand which looks safe and solid, doesn't necessarily mean they're making decent profits that year or tracking to plan. "}],"markDefs":[],"style":"normal"},{"_key":"a8166423face","_type":"block","children":[{"_key":"fb63eec8d60f","_type":"span","marks":[],"text":""},{"_key":"47a7d68d0f5b","_type":"mainAnchor","pageAnchor":{"_ref":"418e4e74-c858-4625-9d7a-8c06f7c6e4ad","_type":"reference"}},{"_key":"758bdfebe7ed","_type":"span","marks":[],"text":"Are shares right for me?"}],"markDefs":[],"style":"h2"},{"_key":"0deb8561d20a","_type":"block","children":[{"_key":"c181c818cb3f","_type":"span","marks":[],"text":"15% of UK adults own shares [1], but they're not the right sort of investment for everyone - especially if you're low on time or looking for an easy way to put your money behind several companies. Here's an overview of some of the main pros and cons of shares."}],"markDefs":[],"style":"normal"},{"_key":"db9f89042c3f","_type":"prosConsWidget","cons":["Want a global mix of investments ","Are time poor ","Will only choose 2 or 3!"],"consTitle":"Bad if you ","pros":["Actively follow the markets","Want to be in charge","Have time to dedicate to this "],"prosTitle":"Good if you "},{"_key":"c3a7ffeffbb7","_type":"block","children":[{"_key":"271a51c12db2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5b2ffecea1c4","_type":"block","children":[{"_key":"05c92c04fca2","_type":"span","marks":[],"text":""},{"_key":"4bc185b25eec","_type":"mainAnchor","pageAnchor":{"_ref":"126f92a2-61db-45bc-9444-4172007cc99b","_type":"reference"}},{"_key":"41d53cf47ed5","_type":"span","marks":[],"text":"Cash vs shares"}],"markDefs":[],"style":"h2"},{"_key":"bd1126eb98eb","_type":"block","children":[{"_key":"0612752e8969","_type":"span","marks":["strong"],"text":"If you had put £10,000 away in 2015, what would it be worth by the end of September 2025?"}],"markDefs":[]},{"_key":"a5368c85fe2c","_type":"block","children":[{"_key":"da32cdb4e3ce","_type":"span","marks":[],"text":"The graph below shows you a recent example of how cash has performed compared to stock market shares. For the purposes of this illustration, we've looked at the growth of a single £10,000 lump sum investment in cash and in two stock market indices: the "},{"_key":"c79b9014dcc5","_type":"span","marks":["4b175e3b60cd"],"text":"FTSE 100"},{"_key":"31e14e27f0b1","_type":"span","marks":[],"text":" and "},{"_key":"fa15bb1b35a8","_type":"span","marks":["ccbe1340ca9f"],"text":"MSCI World"},{"_key":"5e096fa1dd9d","_type":"span","marks":[],"text":" (you can read more about these below the image)."}],"markDefs":[{"_key":"4b175e3b60cd","_type":"glossaryPick","reference":{"_ref":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"reference"}},{"_key":"ccbe1340ca9f","_type":"glossaryPick","reference":{"_ref":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"reference"}}],"style":"normal"},{"_key":"a8cf71d02792","_type":"block","children":[{"_key":"d84597919bbd","_type":"span","marks":[],"text":"It's clear to see that leaving your money in cash (pink) led to significantly less growth over the period between 2015-2025 than if you had invested in stock markets. And although the British FTSE 100 Index (blue) didn't perform quite as well as MSCI World (green), it still climbed to £2,182 - compared to gains of just £1,180 from cash over the same time period. Of course, these numbers look measly compared to MSCI World's impressive £3,348 gain."}],"markDefs":[],"style":"normal"},{"_key":"eacbefb8908a","_type":"block","children":[{"_key":"7186a99d615e","_type":"span","marks":[],"text":"NB: The dip you can see after Q4 2019 reflects the start of the COVID-19 pandemic and subsequent global lockdowns."}],"markDefs":[],"style":"normal"},{"_key":"b33adb272cf6","_type":"frameWidget","href":"https://www.canva.com/design/DAG7OFE42_c/V25AjrWXM8szDDn7pZL9bg/view?embed"},{"_key":"9898bcddeff8","_type":"block","children":[{"_key":"2f05e2427ec8","_type":"span","marks":["em"],"text":"Source: FE FundInfo. "}],"markDefs":[],"style":"small"},{"_key":"906d1a3db60a","_type":"block","children":[{"_key":"b29deef19a8e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d745e25d9983","_type":"block","children":[{"_key":"d611edb2ae67","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"adb9f4083d5c","_type":"block","children":[{"_key":"22374dbfb4fe","_type":"span","marks":[],"text":""},{"_key":"c07bbbc35194","_type":"mainAnchor","pageAnchor":{"_ref":"223c3cb3-164a-4144-b7ec-60a049133752","_type":"reference"}},{"_key":"91a17272db40","_type":"span","marks":[],"text":"Will shares outperform cash in the next 10 years?"}],"markDefs":[],"style":"h2"},{"_key":"15bd2c48638c","_type":"block","children":[{"_key":"d367b10febfa","_type":"span","marks":[],"text":"Just like the weather, it's impossible to predict what the future holds. All we can do is show what has happened in the past. Shares are a bumpier ride than cash – and not a short-term thing. Anyone who says they can guarantee you'll make money is probably lying. There are risks. But research tells us that shares have done better than cash 9 times out of 10 over any 10 year period since the stock markets began."}],"markDefs":[],"style":"normal"},{"_key":"e51d6e72bf95","_type":"block","children":[{"_key":"9b843e253e7f0","_type":"span","marks":[],"text":"You buy and sell them on the stock market and, just like eBay, people make bids and offers. But it all happens super fast. Prices bounce up and down and at the end of the day it all comes down to sentiment – if loads of people want a slice of the action and these things are flavour of the month (think Nintendo after Pokemon Go), then prices rise as the sellers get a bit cockier. If people get turned off and the share in question is uncool, then everyone tries to offload them and the asking price falls."}],"markDefs":[],"style":"normal"},{"_key":"2c5c408f7745","_type":"block","children":[{"_key":"5517dd075cf1","_type":"span","marks":[],"text":"Curious about what's got investors' interest this week? Catch up with Holly's award-winning blog every Friday for the low-down on what's going on in stock markets, how it could impact your finances, and some no-nonsense food for thought to help you make better money choices."}],"markDefs":[],"style":"normal"},{"_key":"f73008bb0852","_type":"block","children":[{"_key":"1330f0821be2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2ce8804a8fc7","_type":"emailSignupWidget","brazeCustomAttributes":[{"_key":"8b471fe69932","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_blog","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/shares/"}],"emailSignupWidgetButtonText":"SIGN UP","image":{"_type":"mainImage","alt":"Image of Boring Money CEO Holly Mackay","asset":{"_ref":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png","_type":"reference"}},"paragraphText":"Sign up for no-nonsense tips, tricks and food for thought every Friday!","thankYouText":[{"_key":"ee1425e50c90","_type":"block","children":[{"_key":"03c4926a2d3f","_type":"span","marks":[],"text":"Thank you for signing up!"}],"markDefs":[],"style":"normal"}],"title":"Want to get Holly's weekly blog straight to your inbox?"},{"_key":"b2dea6276185","_type":"block","children":[{"_key":"023c64412ca5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"28d3689c637a","_type":"block","children":[{"_key":"76733dfbfc45","_type":"span","marks":[],"text":""},{"_key":"0a9998a15f58","_type":"mainAnchor","pageAnchor":{"_ref":"b51797d9-dc13-41da-a375-b898f0a9e850","_type":"reference"}},{"_key":"0c127d60e2f30","_type":"span","marks":[],"text":"How can I buy shares?"}],"markDefs":[],"style":"h2"},{"_key":"104c6e83ed38","_type":"block","children":[{"_key":"c60e50ec6f020","_type":"span","marks":[],"text":"Rather than going to companies directly and asking to buy a share of their business, we access shares through a central market otherwise known as the Stock Exchange. Companies will 'list' on the Stock Exchange, which means anyone can buy or sell a share."}],"markDefs":[],"style":"normal"},{"_key":"6b952a371b27","_type":"block","children":[{"_key":"c96caa808e100","_type":"span","marks":[],"text":"The Stock Exchange can be accessed through online investment platforms, many of which are beginner-friendly. These platforms allow you to purchase a small percentage of some of the world's largest companies - this ranges from BP to HSBC, Apple to Samsung, and Microsoft to British Airways."}],"markDefs":[],"style":"normal"},{"_key":"22300cbe9ed3","_type":"block","children":[{"_key":"7a5c50542b870","_type":"span","marks":[],"text":"You can either buy individual shares directly - through an online broker or an investment platform - or purchase a fund in order to get exposure to dozens of shares in one fell swoop. If you're new to investing and don't know where to start, check out our hand-selected Best For Beginners award winners to see which providers we think are the best starting point."}],"markDefs":[],"style":"normal"},{"_key":"6edb4bdd89cb","_type":"block","children":[{"_key":"b8900097f7ce","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best For Beginners award winners "}],"markDefs":[],"style":"normal"}],"_key":"61821a40134b","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"b5821c35-fa71-43c3-8f89-cc7b29ad9030","_type":"reference"},"text":"CLICK HERE"},{"_key":"adc43eba0539","_type":"block","children":[{"_key":"fa3bf0ee3f7a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ea21677253e9","_type":"block","children":[{"_key":"67c0573a3e1a","_type":"span","marks":[],"text":""},{"_key":"d6fc0adcefb5","_type":"mainAnchor","pageAnchor":{"_ref":"81ce9ca2-c137-4518-a387-0704343a7403","_type":"reference"}},{"_key":"a3c5345fe75c0","_type":"span","marks":[],"text":"Buying bulk shares through a fund"}],"markDefs":[],"style":"h3"},{"_key":"e398386f79e3","_type":"block","children":[{"_key":"87b61ebbd9e70","_type":"span","marks":[],"text":"The concept of buying shares through a "},{"_key":"5d2b30ca7f3e","_type":"span","marks":["69d28fa112e1"],"text":"fund"},{"_key":"b1c54b0016d7","_type":"span","marks":[],"text":" is similar to buying a mixed case of wine. You don't have time to pick individual bottles, or you don't want the responsibility of choosing the best, so you let it be done for you. You're outsourcing the selection of individual components to someone else."}],"markDefs":[{"_key":"69d28fa112e1","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"338dc4e1da41","_type":"block","children":[{"_key":"a6c6dd0980fc0","_type":"span","marks":[],"text":"A single fund will usually house around 30-60 shares. Whilst someone else may have invested £1,000 into an individual share, a very small percentage of your £1,000 may be invested in the same company. If that business then takes a hit, you won't be so badly affected - the majority of your money is invested elsewhere. Basically, you are spreading your bets for security."}],"markDefs":[],"style":"normal"},{"_key":"ed31383984b8","_type":"block","children":[{"_key":"db372dca686d0","_type":"span","marks":[],"text":"When investing through a fund, you are unlikely to have to pay trading or transaction fees. You will, however, encounter management fees throughout the duration of your investment. If you want to buy a few shares or a fund, then it's usually best to open up an account online and use your annual tax-free "},{"_key":"299e331da67d","_type":"span","marks":["3b82ca551e01"],"text":"ISA"},{"_key":"3e0755bd3239","_type":"span","marks":[],"text":" allowance if you can."}],"markDefs":[{"_key":"3b82ca551e01","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"},{"_key":"84839ede04c6","_type":"block","children":[{"_key":"3f2cb72aaf06","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best Buy ISAs for your investing needs"}],"markDefs":[],"style":"normal"}],"_key":"ac4d4573cacf","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"5027ed98-4e53-4e94-8fc1-9d370b15dd5c","_type":"reference"},"text":"CLICK HERE"},{"_key":"92e08f9b828e","_type":"block","children":[{"_key":"d1d42ee1879b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dc479e2b8db6","_type":"block","children":[{"_key":"7222f974db16","_type":"span","marks":[],"text":""},{"_key":"399f39b611a8","_type":"mainAnchor","pageAnchor":{"_ref":"bd7d91db-0143-49c9-b079-df3872327a31","_type":"reference"}},{"_key":"a6579f69575f0","_type":"span","marks":[],"text":"Buying individual shares directly"}],"markDefs":[],"style":"h3"},{"_key":"b3155957d51f","_type":"block","children":[{"_key":"a1c8070511b00","_type":"span","marks":[],"text":"When buying individual shares directly, you will encounter trading costs. You will typically encounter about £10 a pop, and 0.5% stamp duty to the government. This can accumulate to become an expensive way of buying small shares. The upside is that after initial purchase, you will not have to pay management fees as you would have with a fund - there's nothing to manage."}],"markDefs":[],"style":"normal"},{"_key":"19188e074c4d","_type":"block","children":[{"_key":"3edc6186140b0","_type":"span","marks":[],"text":"Buying a couple of individual shares is a risky way to get exposure to the markets - especially for less experienced investors. You have all of your investment tied into one or two businesses. If it goes badly for them, you're in trouble."}],"markDefs":[],"style":"normal"},{"_key":"c1ea16d293cf","_type":"block","children":[{"_key":"a0d9ca4cc8680","_type":"span","marks":[],"text":"This method is good for people who like to take an interest in the market, are time-rich, and confident to make decisions themselves. Shares are not so good if you are busy, don’t feel expert in this subject, or will only pick shares in companies you know and love."}],"markDefs":[],"style":"normal"},{"_key":"14b7bafe231d","_type":"block","children":[{"_key":"784213c5029c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best For Share Traders award winners"}],"markDefs":[],"style":"normal"}],"_key":"9141a0d45cf4","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"2d69df37-02bf-43eb-aed4-2624da81fbf6","_type":"reference"},"text":"CLICK HERE"},{"_key":"3135ea061a1a","_type":"block","children":[{"_key":"2d049f7f9571","_type":"span","marks":[],"text":"------"}],"markDefs":[],"style":"normal"},{"_key":"e4ce4c0148b1","_type":"block","children":[{"_key":"03f7ad822c7e","_type":"span","marks":[],"text":"[1] Online Investing Report, "},{"_key":"ec4be879d4a9","_type":"span","marks":["8cee69180130"],"text":"Boring Money "}],"markDefs":[{"_key":"8cee69180130","_type":"internalLinkPick","reference":{"_ref":"63b42a1b-dc9a-40bb-8a62-f580487de19e","_type":"reference"}}],"style":"normal"}],"categories":[{"_key":"171e98dc55ea","_ref":"9338f25b-7551-48c3-afff-03e9bc5608c3","_type":"reference"},{"_key":"912294bd8e37","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"0551e4791b33","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"},{"_key":"1287b6c4ce2e","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"excerpt":[{"_key":"947232828c12","_type":"block","children":[{"_key":"dd7bb8ce2ec7","_type":"span","marks":[],"text":"Shares simply let us own a small slice of a company. If they do well, so do we. If they flop, we lose money. Also known as stocks, or equities, shares exist to enable companies to raise money to fund their activity and growth."}],"markDefs":[],"style":"normal"}],"linkMenu":[{"_key":"ab3de5ca4b81","_ref":"a8e07a65-4c89-4487-8d36-74e328e9b292","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":"shares","asset":{"_ref":"image-e3cb48c2ce818fdd386c33daf36be5d713f09696-3840x2160-png","_type":"reference"}},"pageBreadcrumb":{"_ref":"607e940b-a7e0-4ec1-a5fa-7ee603b14620","_type":"reference"},"publishedAt":"2025-12-11T16:43:20.418Z","slug":{"_type":"slug","current":"shares"},"subfolder":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"template":"SB-C","title":"Shares Explained: A Beginner’s Guide to Buying and Investing in Stocks","widgets":[{"_key":"784de124229e","_ref":"79cbfce0-99a3-451e-82d4-c0b6a4487777","_type":"reference"},{"_key":"6e44d89729b2","_ref":"2d98a13f-5211-453c-be9e-9785894654db","_type":"reference"},{"_key":"59aabf5d8de0","_ref":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","_type":"reference"},{"_key":"ea6e2095c7dc","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-51fe97e3-1e21-50cd-9dc2-d21bd0716ede","children":[],"parent":null}},{"_key":"02752cc3a561","_type":"internalLinkPick","reference":{"_id":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"information","_rev":"vIm9lhvf1eHBOprgleGFQF","_createdAt":"2021-06-22T10:49:30Z","_updatedAt":"2025-09-01T10:07:48Z","_system":{"base":{"id":"0bc8b13d-830e-4469-8ffe-6af27456b538","rev":"0iD6p61whJS2ZGE5T7VEFt"}},"authors":[{"_key":"9b488bad30a4","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"728ad57473cb","_type":"block","children":[{"_key":"150f7b31de0a","_type":"span","marks":[],"text":"By "},{"_key":"e55603603258","_type":"span","marks":["strong"],"text":"Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"e8df298b8c6b","_type":"anchorMenuMobile","title":"menu"},{"_key":"9473358fe106","_type":"block","children":[{"_key":"17cf1610cca6","_type":"span","marks":[],"text":""},{"_key":"91398572c6f0","_type":"mainAnchor","pageAnchor":{"_ref":"c092d7ca-1d59-4a6f-ae22-c1659dda889d","_type":"reference"}},{"_key":"6f92bc92429a","_type":"span","marks":[],"text":"What is a fund?"}],"markDefs":[],"style":"h2"},{"_key":"4f9ee0028862","_type":"block","children":[{"_key":"f102b7d00c72","_type":"span","marks":[],"text":"In a nutshell"}],"markDefs":[],"style":"h3"},{"_key":"e79c63c327eb","_type":"textboxWidget","text":[{"_key":"2121178f0ee6","_type":"block","children":[{"_key":"7d6a9f190010","_type":"span","marks":[],"text":"There are typically about 30-60 \"underlying investments\" in one fund"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d2a481641270","_type":"block","children":[{"_key":"22684174f3fa","_type":"span","marks":[],"text":"On average a single fund will cost about 0.75% in fees a year"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f3e088b52195","_type":"block","children":[{"_key":"d6ad20196bad","_type":"span","marks":[],"text":"Often a safer bet to invest than simply buying a few shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"216dcb5302ec","_type":"block","children":[{"_key":"9dd73649798a","_type":"span","marks":[],"text":"You can buy funds and put them in an ISA to keep your profits tax-free"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"97a80376b0f3","_type":"anchorMenuMobile","title":"s"},{"_key":"1653fdfc2af4","_type":"block","children":[{"_key":"2e2b2ab98724","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1b8d971c911d","_type":"block","children":[{"_key":"4507568d3a70","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. In other words, they're a great way to avoid making a clanger by choosing one duff share! Great for diversifying, investing overseas and for outsourcing the decision-making to a professional. "}],"markDefs":[],"style":"normal"},{"_key":"046672293a3e","_type":"block","children":[{"_key":"e15da747ad50","_type":"span","marks":[],"text":"Listen to our Founder & CEO Holly Mackay explain more about why funds are awesome in the helpful clip below."}],"markDefs":[],"style":"normal"},{"_key":"41b247f7f7f1","_type":"block","children":[{"_key":"1425f286ae8d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ee4659f373e2","_type":"mainVideo","url":"https://vimeo.com/829075140"},{"_key":"612f1e2f4f5c","_type":"block","children":[{"_key":"8b8077238e30","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8fde23f3fe04","_type":"block","children":[{"_key":"509c2688d6bd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3d8fbfc7b050","_type":"block","children":[{"_key":"32a1c0b03ecc","_type":"span","marks":[],"text":"A single fund will typically have about 30-60 different \"underlying investments\" in it. This spreads the risk around and hedges your bets, so rather than having to go and buy 30-60 individual shares all by yourself, you can just buy one fund and be done with it!"}],"markDefs":[],"style":"normal"},{"_key":"e8ce2e0fe91f","_type":"block","children":[{"_key":"942f0caaddf8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f9d2b7cefb40","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Most investors have between about 8 and 16 different Funds to get a good mix and spread their bets around!"},"text":[{"_key":"4e12795ee2ca","_type":"block","children":[{"_key":"40e2815c5d05","_type":"span","marks":["strong"],"text":"Top tip: Most investors have between about 8 and 16 different funds to get a good mix and spread their bets around!"}],"markDefs":[],"style":"normal"}]},{"_key":"faec06074b53","_type":"block","children":[{"_key":"3f1ea2ce7311","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"29e8456aa90b","_type":"block","children":[{"_key":"12710694212a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"16c468186b94","_type":"block","children":[{"_key":"8aa0e26dff77","_type":"span","marks":[],"text":"You can think of investing in funds like buying a mixed case of wine - you don't have to be a connoisseur and someone else picks the contents they think are good. Funds come in lots of different flavours - such as multi-asset funds or exchange-traded funds. More on these later."}],"markDefs":[],"style":"normal"},{"_key":"90feae1f7eb6","_type":"block","children":[{"_key":"1915aec3fabb","_type":"span","marks":[],"text":""},{"__inline":true,"_key":"5ccd7b870fec","_type":"mainAnchor","children":[{"_key":"ut1xgBnP3A4eT38f4GGbAL","text":""}],"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"},"value":{"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"}}},{"_key":"3fc8bd064d62","_type":"span","marks":[],"text":"Are funds right for me?"}],"markDefs":[],"style":"h2"},{"_key":"f4e25a5df60e","_type":"block","children":[{"_key":"fa0bcaef29cd","_type":"span","marks":[],"text":"On average, investors hold 49% of their investments in funds, making them one of the most popular investment vehicles out there. But are funds really the right option for you? "}],"markDefs":[],"style":"normal"},{"_key":"fed979756bbe","_type":"block","children":[{"_key":"64b6ad599651","_type":"span","marks":[],"text":"If you prefer the freedom and flexibility of choosing which companies to invest in, shares may be a better choice. However, funds can also be highly diversified, which means your investments might be spread across different regions, sectors and assets. This reduces the risk of any one event, such as a political crisis in a single region, having a significant impact on your investments."}],"markDefs":[],"style":"normal"},{"_key":"e1ad6cc3a02a","_type":"block","children":[{"_key":"a8b55972e4dd","_type":"span","marks":[],"text":"So really it comes down to your personal preference. Here's a round-up of some of the main pros and cons to help you decide if investing in funds is the right choice for you."}],"markDefs":[],"style":"normal"},{"_key":"434d193075a7","_type":"block","children":[{"_key":"0e7fe5da01de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4bc700b962a5","_type":"prosConsWidget","cons":["Don't want to pay a fee","Want to pick your own shares","Want to trade regularly"],"consTitle":"Bad if you ","pros":["Want a broad mix of different shares","Want to invest abroad too","Aren't a whizz trader "],"prosTitle":"Good if you"},{"_key":"48067afe70fe","_type":"block","children":[{"_key":"0361b14633a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cec017f1a38c","_type":"block","children":[{"_key":"172137ada71e","_type":"span","marks":[],"text":""},{"_key":"de53e982c4a9","_type":"mainAnchor","pageAnchor":{"_ref":"60941be5-1a4f-426e-b588-7699bee46271","_type":"reference"}},{"_key":"87cf346319c6","_type":"span","marks":[],"text":"Why invest in a fund?"}],"markDefs":[],"style":"h2"},{"_key":"93dc72ad81a4","_type":"block","children":[{"_key":"3338ff4b26c50","_type":"span","marks":[],"text":"A fund is simply the compilation album of the investing world! It’s a nice way to get someone at the sharp end of finance to pick and manage your investments from the bewildering array of bonds and shares on the market. Let’s give a really simple example. "}],"markDefs":[],"style":"normal"},{"_key":"a9403754dc28","_type":"block","children":[{"_key":"01c95b2b86ac","_type":"span","marks":[],"text":"If we ran the Boring Money UK Shares Fund (which we don’t), we might look at all the UK shares out there and say that HSBC, Shell, ITV and GlaxoSmithKline make the grade. And add them to our investment mix. But chuck out Barclays and Burberry and Sainsburys (all random examples by the way, not tips!). "}],"markDefs":[],"style":"normal"},{"_key":"7669a7ac791c","_type":"block","children":[{"_key":"d7e81010a760","_type":"span","marks":[],"text":"We’d end up with, say, 50 shares in our compilation album, which we bought for £1 each in our pretend world. So our fund would be worth £50. And we might sell 50 units to people for £1 each. "}],"markDefs":[],"style":"normal"},{"_key":"786bce77dbb8","_type":"block","children":[{"_key":"da65bc2f373e","_type":"span","marks":[],"text":"The benefit is that for a small investment of just £1, our investors would have a teeny fraction of an investment in 50 different British companies. And we would run and manage this pool of investments for you - so no need to get the calculator out and crunch any numbers!"}],"markDefs":[],"style":"normal"},{"_key":"985ff58d82e6","_type":"block","children":[{"_key":"2ad32b5454aa","_type":"span","marks":[],"text":"There are thousands of funds out there, all with different flavours, and they're among the best ways to get expert help on picking the right investments."}],"markDefs":[],"style":"normal"},{"_key":"362c2e7dfc09","_type":"block","children":[{"_key":"d766349dbf40","_type":"span","marks":[],"text":""},{"_key":"364cd3c1e445","_type":"mainAnchor","pageAnchor":{"_ref":"a5632083-6993-47e2-9bc1-07d0a86ad84c","_type":"reference"}},{"_key":"0a68034d99f40","_type":"span","marks":[],"text":"The three main fund structures "}],"markDefs":[],"style":"h2"},{"_key":"4b7b2b21499a","_type":"block","children":[{"_key":"5d8b72478bbb","_type":"span","marks":[],"text":""},{"_key":"e02338579d1e","_type":"mainAnchor","pageAnchor":{"_ref":"bcd041ed-8ed5-4fc7-8abd-21ee28def30c","_type":"reference"}},{"_key":"6c2a9ecc53f30","_type":"span","marks":[],"text":"1. Mutual fund – also known as an open-ended fund, OEIC or UCITS fund"}],"markDefs":[],"style":"h3"},{"_key":"3460d916f7b2","_type":"block","children":[{"_key":"0325a805ebd40","_type":"span","marks":[],"text":"A mutual fund combines money from multiple investors, which a professional manager invests according to the fund’s goals, such as growth or income, often focusing on specific sectors like European stocks or technology. Being “open-ended,” the fund can adjust its shares based on investor activity, with its value matching the combined value of its holdings. Investors can monitor performance daily through services like Morningstar, comparing it to similar funds or benchmarks like the FTSE All Share for UK funds."}],"markDefs":[],"style":"normal"},{"_key":"9f8832eee9c7","_type":"block","children":[{"_key":"b0249a4aa624","_type":"span","marks":[],"text":""},{"_key":"777c7f3bd35c","_type":"mainAnchor","pageAnchor":{"_ref":"b8467767-7e11-4c31-bea1-aa9f5262781c","_type":"reference"}},{"_key":"6722e89ace4a","_type":"span","marks":[],"text":"2. ETF – or exchange-traded fund"}],"markDefs":[],"style":"h3"},{"_key":"ac1f21c74e0a","_type":"block","children":[{"_key":"189a0849a0f50","_type":"span","marks":[],"text":"ETFs, or Exchange-Traded Funds, are investment funds that provide low-cost, diversified access to various markets, similar to mutual funds. Unlike mutual funds, ETFs trade on stock exchanges, with their prices fluctuating throughout the day based on supply and demand. ETFs often aim to track specific assets, like major stock indices (e.g., S&P 500), commodities, or even currencies. They can be structured using \"physical\" methods (owning a bit of each asset in the index) or \"synthetic\" methods (using derivatives to mimic asset performance). ETFs can also offer leveraged or inverse options to enhance potential gains or bet against an asset's price. They are generally affordable, easy to trade, and flexible for various investment strategies."}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"6add2d498f76","_type":"block","children":[{"_key":"14d23d4bf09a","_type":"span","marks":["strong"],"text":"Discover more about ETFs and how they work"}],"markDefs":[],"style":"normal"}],"_key":"090c0fe4bbd4","_type":"ctaWidget","reference":{"_ref":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"reference"},"text":"ETF HUB"},{"_key":"3734671b2a32","_type":"block","children":[{"_key":"ebc0f19e9b3d0","_type":"span","marks":[],"text":"3. Investment Trusts"}],"markDefs":[],"style":"h3"},{"_key":"47687a68ef20","_type":"block","children":[{"_key":"22745b29c849","_type":"span","marks":[],"text":"Investment trusts are publicly listed companies that pool investors' money to buy shares, bonds, or other assets like property. Managed by a board that oversees the fund manager, they operate as \"closed-ended\" funds, meaning they don’t need to buy or sell assets as investors come and go. This structure suits less liquid investments, and they can also save income from strong years to pay out in weaker ones, offering a steadier return. Investors can buy shares at market prices, sometimes below the actual asset value, and have many options for building a diverse portfolio. Read more on how mutual funds compare to ETFs and Investment Trusts "},{"_key":"3ac6a8b34f46","_type":"span","marks":["bd12d349ce04"],"text":"here"},{"_key":"f569af0635c5","_type":"span","marks":[],"text":". \n"}],"markDefs":[{"_key":"bd12d349ce04","_type":"internalLinkPick","reference":{"_ref":"508b9184-a3ee-4f2c-b9cd-5c61ac88dfaa","_type":"reference"}}],"style":"normal"},{"LeftSideText":[{"_key":"bcb044ecf5ab","_type":"block","children":[{"_key":"ba7542cf4442","_type":"span","marks":["strong"],"text":"Find out all you need to know about Investment Trusts in our hub"}],"markDefs":[],"style":"normal"}],"_key":"c677d8dce5ad","_type":"ctaWidget","reference":{"_ref":"c4a944ee-6d37-4a32-ad78-476434729026","_type":"reference"},"text":"READ MORE"},{"_key":"90c958e3a76f","_type":"block","children":[{"_key":"58ff5f53dc6e","_type":"span","marks":[],"text":""},{"_key":"d942deccb966","_type":"mainAnchor","pageAnchor":{"_ref":"614ab4cf-e295-402a-90a2-ddce00934029","_type":"reference"}},{"_key":"45fae644733a","_type":"span","marks":[],"text":"Bonds vs shares"}],"markDefs":[],"style":"h2"},{"_key":"e90ad037fc44","_type":"block","children":[{"_key":"69fbf9a8af22","_type":"span","marks":[],"text":"When it comes to investing with funds, you'll often see the \"portfolio\" - that is, what the fund is actually invested in - broken down into different assets. The two most common assets are bonds and shares, but what actually are they?"}],"markDefs":[],"style":"normal"},{"_key":"112a4d6cbc9f","_type":"block","children":[{"_key":"c6616cbb00f7","_type":"span","marks":[],"text":"What is a bond?"}],"markDefs":[],"style":"h3"},{"_key":"55297b26fffd","_type":"block","children":[{"_key":"f9ec30e1d7d7","_type":"span","marks":[],"text":"Owning a bond is kind of getting an IOU from a government or a company – you buy their bond and you’re lending them money. The dicier the prospect of getting your cash back, the more ‘interest’ they will pay you to compensate for the risk. So an Ecuadorian mining company bond would pay a gazillion times more than the relatively staid UK government, for example. It’s a riskier loan so they’ll compensate you more for taking this extra risk. "}],"markDefs":[],"style":"normal"},{"_key":"ad246f1d9a03","_type":"block","children":[{"_key":"d33daf52853b","_type":"span","marks":[],"text":"Bonds are influenced by interest rates, so they’re behaving a bit weirdly at the moment. If you lend the UK government money for 10 years, they’ll pay you about 4% (at the time of writing). And inflation is hovering around the 10% mark. So you’ll see why bonds are paying attractive rates at the moment - the UK economy is currently grappling with the risk of high inflation!"}],"markDefs":[],"style":"normal"},{"_key":"66a2cb7a79bb","_type":"block","children":[{"_key":"f67dc90952da","_type":"span","marks":[],"text":"What is a share?"}],"markDefs":[],"style":"h3"},{"_key":"42ec8b2bfea7","_type":"block","children":[{"_key":"d7677c521ef0","_type":"span","marks":[],"text":"Shares are also known as ‘equities’ or ‘stocks’. If you own shares, you buy little pieces of the world’s biggest companies. And tie your fortunes to theirs. It's these shares that make up the majority of most funds. "}],"markDefs":[],"style":"normal"},{"_key":"87391d64e98f","_type":"block","children":[{"_key":"50f803a42246","_type":"span","marks":[],"text":"As a rule of thumb, most ‘equity’ focused funds will have about 40-60 shares in them, although some fund managers have fewer, sticking to their convictions more about which shares are duds and which ones are winners. "}],"markDefs":[],"style":"normal"},{"_key":"230865d11ff5","_type":"block","children":[{"_key":"81251b61e60c","_type":"span","marks":[],"text":"Shares are also one of the few investments where you can get a decent income. Companies often pay out a share of their profits as dividends. The key is to look for an ‘equity income’ fund. Pick the right one and you could get an income of around 3-4% a year!"}],"markDefs":[],"style":"normal"},{"_key":"06e377758cad","_type":"block","children":[{"_key":"d4019195a987","_type":"span","marks":[],"text":"The balance between bonds and shares"}],"markDefs":[],"style":"h3"},{"_key":"46cf69523ea8","_type":"block","children":[{"_key":"d519404d9cb6","_type":"span","marks":[],"text":"Many suggest diversifying, which means a sort-of Combo Meal of bonds "},{"_key":"a61d5d5863e0","_type":"span","marks":["em"],"text":"and "},{"_key":"2e722c7e508b","_type":"span","marks":[],"text":"shares. Over the long-term, bonds are usually seen as safer and less choppy than shares, but many believe they will make you less over the long-run too. On the other hand, the stock market can potentially make you profit over the longer-term, but can come with significant short-term risk."}],"markDefs":[],"style":"normal"},{"_key":"c973c0042a75","_type":"block","children":[{"_key":"c0025ecc2c48","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c1f67febb327","_type":"prosConsWidget","pros":["You're nearing retirement age","You're not keen on stock market risk"],"prosTitle":"BONDS are better for you if"},{"_key":"e27629a359a2","_type":"block","children":[{"_key":"e48f0db1ddad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a30ea1e3729e","_type":"prosConsWidget","pros":["You can tolerate the concept of stock market risk","You've got lots of time before you need to access your cash"],"prosTitle":"SHARES are better for you if"},{"_key":"03b6c39b6bf2","_type":"block","children":[{"_key":"1ee6f1df4158","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ed118f277297","_type":"block","children":[{"_key":"e3ed41cc210b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c4556aebdc3","_type":"block","children":[{"_key":"59b8e9cbba60","_type":"span","marks":[],"text":"As a general rule of thumb, if you’re a spring chicken and investing for ages in the future, you should probably look at "},{"_key":"0f04bd6e7f43","_type":"span","marks":["em"],"text":"mostly "},{"_key":"0a524dc1e267","_type":"span","marks":[],"text":"shares. If you’re getting on and likely to need your money soon, people typically prefer bonds because they’re less likely to crash as dramatically as shares, leaving you high and dry if you need to cash in your investments. "}],"markDefs":[],"style":"normal"},{"_key":"c44bbef6d561","_type":"block","children":[{"_key":"e1b0274abca3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f871776e39d7","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "},"text":[{"_key":"dc826f13da73","_type":"block","children":[{"_key":"92f0eb6df824","_type":"span","marks":["strong"],"text":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "}],"markDefs":[],"style":"normal"}]},{"_key":"f7d5fb36fe0f","_type":"block","children":[{"_key":"db6952c70b24","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19431081595a","_type":"block","children":[{"_key":"6e263f6e0c3f","_type":"span","marks":[],"text":""},{"_key":"394165043e4a","_type":"mainAnchor","pageAnchor":{"_ref":"f0e25e55-88ef-4bd3-96fb-2ea766606d57","_type":"reference"}},{"_key":"d81d41f1e8ee1","_type":"span","marks":[],"text":"Active vs passive"}],"markDefs":[],"style":"h2"},{"_key":"97fd1b6cacb5","_type":"block","children":[{"_key":"b1149c8e019a","_type":"span","marks":[],"text":"Another couple of phrases you'll often see when investing in funds is 'active' and 'passive', but as the world of finance is renowned for being full of jargon, no one ever seems to explain what these are! Here's what they actually mean and why they matter when deciding on the right fund for you."}],"markDefs":[],"style":"normal"},{"_key":"4f4328ace20e","_type":"block","children":[{"_key":"267b07472f39","_type":"span","marks":[],"text":"What is an active fund?"}],"markDefs":[],"style":"h3"},{"_key":"965f3e1b9c85","_type":"block","children":[{"_key":"7e7c85ce1d910","_type":"span","marks":[],"text":"Most funds in the market are what we call ‘active’. An active fund manager, by definition, thinks he or she is smarter than the average investor. A clever clogs. They think they can spot a bargain. Spot the dog before others. Identify the region that is about to go belly-up. So they pick and choose. If you buy an active fund which invests in shares, you'll usually pay a fee to the fund manager of about 75p-95p for every £100 you entrust to them. "}],"markDefs":[],"style":"normal"},{"_key":"dd074314f1cf","_type":"block","children":[{"_key":"e2405d675768","_type":"span","marks":[],"text":"What is a passive fund?"}],"markDefs":[],"style":"h3"},{"_key":"b9d2cd328e0c","_type":"block","children":[{"_key":"9da255300335","_type":"span","marks":[],"text":"Passive funds, on the other hand, are devoid of ego and opinion. They're the well-behaved end of the fund market. No one makes a call on whether Share A is better than Share B. They simply follow what we call an index - or a list of shares or bonds in any given market. They buy them in proportion to their size and no judgement calls are made. If you buy a passive fund which invests in shares, you'll usually pay a fee to the fund manager of about 8-12p for every £100 you entrust to them. It’s a lot cheaper because it’s run by a computer, rather than an expensive human. "}],"markDefs":[],"style":"normal"},{"_key":"365e8264db90","_type":"block","children":[{"_key":"faa5a312feb3","_type":"span","marks":[],"text":"How to decide between active vs passive funds"}],"markDefs":[],"style":"h3"},{"_key":"b8221aa671cb","_type":"block","children":[{"_key":"4799dbdc92b40","_type":"span","marks":[],"text":"There are pros and cons to each approach. Passive funds will tend to be cheaper and have performed well over much of the past decade as a result of strong performance from the technology giants (which form a large share of most capitalisation-weighted indices). However, they can have certain biases – the MSCI World has a 70%+ weighting to the US[2],  for example. Equally, bond indices can have higher weights in companies that have issued the most bonds – i.e. the most indebted. This can increase risk."}],"markDefs":[],"style":"normal"},{"_key":"611ac6f8c648","_type":"block","children":[{"_key":"d022771f72c90","_type":"span","marks":[],"text":"With active funds, there tends to be extremes. Some fund managers will be very successful and deliver better returns than the wider market, while others will find their analysis doesn’t pay off. Investors need to be willing to take a risk on the manager’s skill."}],"markDefs":[],"style":"normal"},{"_key":"c39c65e3ba8a","_type":"block","children":[{"_key":"3c62d7c5ecdd","_type":"span","marks":[],"text":"The jury is out on which is best, but passive funds will inherently return the average of any market. Some active funds will go further and smash it – but others will underperform and charge you for the privilege! So it depends on your risk appetite, among other things. Happy to sit back and copy what the markets do? Passive is for you. Want to leave it to the experts to crunch the numbers and try to outperform? Then try active.\n"}],"markDefs":[],"style":"normal"},{"_key":"ad85bfad7fcf","_type":"block","children":[{"_key":"3d022ec4e243","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"769a3bdcb210","_type":"emailSignupWidget","brazeSubscriptionGroupId":"80bb057b-016f-4c60-8fed-bc2199e56dc7","brazeSubscriptionRef":{"_ref":"75cfa314-bcb6-4835-9c3d-28febc21b8d6","_type":"reference"},"image":{"_type":"mainImage","alt":"Sign up here!"},"paragraphText":"Get the best-performing funds, market commentary and jargon free insight delivered straight to your inbox every month. Join our Fund Newsletter.\n","title":"Sign up here!"},{"_key":"9082b2e04f18","_type":"block","children":[{"_key":"eca87e721854","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ed19b6fc9ee","_type":"block","children":[{"_key":"0ee0c876052d","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"1fdae174a2eb","_type":"block","children":[{"_key":"4e62aed3fa81","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3aafc66da691","_type":"block","children":[{"_key":"7eacb7f07336","_type":"span","marks":[],"text":"[1] "},{"_key":"d5da36f05625","_type":"span","marks":["873e1e148fbf"],"text":"PwC, March 2024"}],"markDefs":[{"_key":"873e1e148fbf","_type":"internalLinkPick","blank":true,"reference":{"_ref":"145cfde5-0dfc-42d5-920b-0b191331e84e","_type":"reference"}}],"style":"normal"},{"_key":"303192e61fb6","_type":"block","children":[{"_key":"1928cb41e922","_type":"span","marks":[],"text":"[2] "},{"_key":"341d43b08b6b","_type":"span","marks":["a4f8efc4fe28"],"text":"MSCI, November 2024"}],"markDefs":[{"_key":"a4f8efc4fe28","_type":"internalLinkPick","blank":true,"reference":{"_ref":"b300e7f8-9ee8-475d-85f0-bcccebda9deb","_type":"reference"}}],"style":"normal"},{"_key":"49a0d84ddbed","_type":"block","children":[{"_key":"cae41be45c6b","_type":"span","marks":[],"text":"[3] "},{"_key":"653072da076b","_type":"span","marks":["d77d4f4a9a3d"],"text":"Trustnet, January 2023"}],"markDefs":[{"_key":"d77d4f4a9a3d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"39231df5-0e90-4b9c-abc7-f980c11317c9","_type":"reference"}}],"style":"normal"}],"categories":[{"_key":"1a989c0fd8ee","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"},{"_key":"761051b73014","_ref":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","_type":"reference"},{"_key":"89ab44c91dc9","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"}],"excerpt":[{"_key":"0c5edb6fe2c3","_type":"block","children":[{"_key":"e3cfba5e3d06","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. A great way to avoid making a clanger by choosing one duff share. Great for investing overseas and for outsourcing the decision-making to a professional."}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":true,"linkMenu":[{"_key":"8b72c2502fe7","_ref":"e7ee7375-de0b-4584-ab7c-316ed8adfc92","_type":"reference"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-38ee5a76884f602245c15a08ea6cd1cc47fe4200-3840x2160-png","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"607e940b-a7e0-4ec1-a5fa-7ee603b14620","_type":"reference"},"publishedAt":"2025-01-02T15:32:00.000Z","slug":{"_type":"slug","current":"funds"},"subfolder":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"template":"C-SB","theme":"Boring Money theme","title":"Funds Explained: The Ultimate No-Nonsense Guide for Beginners","widgets":[{"_key":"a1d6c66ee3f9","_ref":"79cbfce0-99a3-451e-82d4-c0b6a4487777","_type":"reference"},{"_key":"b7ac1bdd3211","_ref":"2d98a13f-5211-453c-be9e-9785894654db","_type":"reference"},{"_key":"29af377eda10","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-f6d3c7d4-0bf0-58b1-9af8-32ef06151a6c","children":[],"parent":null}},{"_key":"53d971adffc6","_type":"internalLinkPick","reference":{"_id":"583a0e19-d23d-4df3-989f-54c2368f0d41","_type":"information","_rev":"GAdsNjPaIuANdYqh0x6kuj","_createdAt":"2024-03-05T12:49:24Z","_updatedAt":"2025-12-12T09:18:07Z","_system":{"base":{"id":"583a0e19-d23d-4df3-989f-54c2368f0d41","rev":"ShBttggBniCqjqcnC3GU73"}},"authors":[{"_key":"551ff377eecc","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"body":[{"_key":"11ded862ce6c","_type":"block","children":[{"_key":"5d4a805a91dd","_type":"span","marks":[],"text":""},{"_key":"70ca6864ca7e","_type":"mainAnchor","pageAnchor":{"_ref":"8a9e94ba-158d-46df-81d7-8e2885c6f16d","_type":"reference"}},{"_key":"6c858f0ed5aa0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h2"},{"_key":"d7324ef7f1ac","_type":"block","children":[{"_key":"5cfb235cd4a4","_type":"span","marks":[],"text":"In a nutshell"}],"markDefs":[],"style":"h4"},{"_key":"fb1c58cefdbb","_type":"block","children":[{"_key":"b382e97ee62c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f8b9f67e9cdb","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Bonds are loans to a government or company  They pay out regular interest payments  You get your initial investment back at the end of the loan term  You can buy and sell bonds on the stock market  They’re typically considered a lower risk type of investment"},"text":[{"_key":"90b8406cd23c","_type":"block","children":[{"_key":"16b4bc5e4266","_type":"span","marks":[],"text":"Bonds are basically loans we make to a government or company"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1c788804cc9b","_type":"block","children":[{"_key":"7a4e2cb2d62a","_type":"span","marks":[],"text":"They pay out regular interest payments"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f98194689135","_type":"block","children":[{"_key":"2814afda9c86","_type":"span","marks":[],"text":"The value of the bond goes up and down"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ed5682aad208","_type":"block","children":[{"_key":"2946d7612fad","_type":"span","marks":[],"text":"UK government bonds are called ‘gilts’ and are largely tax-free for most investors"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7d58ed5946ec","_type":"block","children":[{"_key":"3fad1ba424fe","_type":"span","marks":[],"text":"You can buy and sell bonds on the stock market"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c7ce935aad7e","_type":"block","children":[{"_key":"f3d3225a459b","_type":"span","marks":[],"text":"They’re typically considered a lower-risk type of investment than shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"b1e928242f93","_type":"block","children":[{"_key":"5e6b0a0a387b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a5898c1fbd34","_type":"block","children":[{"_key":"e6ab8ba99ac0","_type":"span","marks":[],"text":"In simple terms, bonds are a form of loan issued by a business or a government. When you buy a bond (or a piece of the bond), you’re lending your money to this “issuer”. In exchange, the issuer promises to pay the bondholder (that’s you) a fixed interest payment at regular intervals until the loan matures (when you will get back a known amount which is the ‘face value’)."}],"markDefs":[],"style":"normal"},{"_key":"62229e83718a","_type":"block","children":[{"_key":"208519fd7a7a","_type":"span","marks":[],"text":"Therefore, you can think of a bond like an IOU – you lend the issuer money, and they pay you ‘interest’ on a regular basis until a pre-agreed date when they pay you a specified sum of money."}],"markDefs":[],"style":"normal"},{"_key":"96ac0f65ce2a","_type":"block","children":[{"_key":"53400c3f58bc","_type":"span","marks":[],"text":""},{"_key":"37864ea28904","_type":"mainAnchor","pageAnchor":{"_ref":"dfe27455-bfae-4948-b858-040213000740","_type":"reference"}},{"_key":"ed552990e93d0","_type":"span","marks":[],"text":"What are bonds?"}],"markDefs":[],"style":"h2"},{"_key":"46e4551e07ca","_type":"block","children":[{"_key":"8e9517773203","_type":"span","marks":[],"text":"Think of bonds like an investment which pays a regular ‘interest rate’ for as long as you hold it, as well as giving you the chance to make a profit on the money you invest. Unlike stocks, which can fluctuate in value rapidly, bonds will typically offer a relatively ‘predictable’ income stream, making them a good option for more risk-averse investors seeking stability."}],"markDefs":[],"style":"normal"},{"_key":"84de67b46e34","_type":"block","children":[{"_key":"3a75273af740","_type":"span","marks":[],"text":"The volatility of a bond price depends on who you are loaning the money to. If it’s the UK government, it’s typically a sedate and predictable journey. If it’s a mining company in Latin America, you should prepare for a much more volatile journey."}],"markDefs":[],"style":"normal"},{"_key":"41c6b2f45440","_type":"block","children":[{"_key":"b05c24e742b6","_type":"span","marks":[],"text":"This is why government bonds typically make up a large proportion of pension funds, particularly for those who are closer to retirement age and thus need their pension to be invested in lower-risk products."}],"markDefs":[],"style":"normal"},{"_key":"d6614f8bba0b","_type":"block","children":[{"_key":"872c6cbfe99d","_type":"span","marks":[],"text":""},{"_key":"003b1400dbd3","_type":"mainAnchor","pageAnchor":{"_ref":"7143fd03-16f0-4229-a431-82283be9b288","_type":"reference"}},{"_key":"f1224b170f560","_type":"span","marks":[],"text":"How do bonds work?"}],"markDefs":[],"style":"h2"},{"_key":"2f3e330d3372","_type":"block","children":[{"_key":"96bcdb4d8383","_type":"span","marks":[],"text":""},{"_key":"acb2391f7114","_type":"mainAnchor","pageAnchor":{"_ref":"ae0ce2cd-ee6c-4b2d-9caf-6ecaa338dfb6","_type":"reference"}},{"_key":"40091b6993f40","_type":"span","marks":[],"text":"Who issues a bond?"}],"markDefs":[],"style":"h3"},{"_key":"565d809b383b","_type":"block","children":[{"_key":"db75d5da7276","_type":"span","marks":[],"text":"When a government or a business decides it needs to raise money, one of the avenues it might take is to issue a bond. The bond specifies the “maturity” date (when the loan is repaid), the “coupon” (interest rate) paid periodically, and the “denomination” (face value) of the bond."}],"markDefs":[],"style":"normal"},{"_key":"38457353d605","_type":"block","children":[{"_key":"5c46a1e31e90","_type":"span","marks":[],"text":""},{"_key":"5b0c3697fae8","_type":"mainAnchor","pageAnchor":{"_ref":"a7cac4b7-a55c-4d8c-b076-8219b497fffe","_type":"reference"}},{"_key":"f002b0d984350","_type":"span","marks":[],"text":"How do bonds pay interest?"}],"markDefs":[],"style":"h3"},{"_key":"7d966bfb9662","_type":"block","children":[{"_key":"37dae7ca5e6c","_type":"span","marks":[],"text":"The exact monetary value of the coupon you receive from a bond is called the “yield” and typically correlates to how risky the loan is determined to be."}],"markDefs":[],"style":"normal"},{"_key":"91d66d962184","_type":"block","children":[{"_key":"1df18ea7fc91","_type":"span","marks":[],"text":"Let’s imagine someone wanted to borrow a grand from you. How much would you want in return for making that loan? It depends how reliable or trustworthy they are. How risky it is, as well as how long they want to borrow it for. In other words, how “creditworthy” they seem to you."}],"markDefs":[],"style":"normal"},{"_key":"5388a9ac1b0e","_type":"block","children":[{"_key":"cf5870d6f45b","_type":"span","marks":[],"text":"The same principles apply in the world of bonds. If we lend money to the UK government, for example, you might have more faith that they will keep up with their interest payments and repay you in full than if you lent money to a copper producer in the Democratic Republic of Congo. So a UK government bond would typically pay lower interest than the “riskier” copper producer one, for example."}],"markDefs":[],"style":"normal"},{"_key":"71d4560d2d56","_type":"block","children":[{"_key":"457db07707e3","_type":"span","marks":[],"text":"This is why government bonds (often called “gilts” if they're issued by the UK government or \"Treasuries\" if they're issued by the US government) usually pay less (or have a lower yield) than various corporate bonds – in return for giving you a less hernia-inducing path."}],"markDefs":[],"style":"normal"},{"_key":"f619482b3fbf","_type":"block","children":[{"_key":"4a4abac90009","_type":"span","marks":[],"text":"Bond yields move inversely to bond prices. That is, the lower the yield (or ‘interest’ paid) , the higher the price of the bond is. Let’s walk through an actual example to explain how this all works."}],"markDefs":[],"style":"normal"},{"_key":"20b16b0c1152","_type":"block","children":[{"_key":"9f79cc0082e3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a28d95e21455","_type":"textboxWidget","text":[{"_key":"8599fdf492a4","_type":"block","children":[{"_key":"4da4917d5205","_type":"span","marks":[],"text":"Let's assume a bond issued by the UK government (so, a ‘gilt’). Let's also assume it would cost 97.26p to buy. The bond is called Treasury 0.125% 30/01/2026. This means it pays investors an ‘interest rate’, or ‘coupon’, of 0.125%. "}],"markDefs":[],"style":"normal"},{"_key":"f54c13e08686","_type":"block","children":[{"_key":"a9bc4738b626","_type":"span","marks":[],"text":"However, people will mostly buy this for the increase in value, rather than the interest paid."}],"markDefs":[],"style":"normal"},{"_key":"63059e105655","_type":"block","children":[{"_key":"31a5a3e313f7","_type":"span","marks":[],"text":"We know that it will mature on the 30th January in 2026. For its ‘face value’ of 100p. Or £1. So we know for certain that we can spend 97.26p today and get back £1 at the end of January 2026. "}],"markDefs":[],"style":"normal"},{"_key":"952bca830e4b","_type":"block","children":[{"_key":"66fc8064d680","_type":"span","marks":[],"text":"In other words, you will make 2.74p for every 97.26p you invest, over the period in question. And because this gain is a capital gain and not interest, and because it is held in a government bond, that gain is tax-free. "}],"markDefs":[],"style":"normal"},{"_key":"5f3464315ceb","_type":"block","children":[{"_key":"eeab95d5b301","_type":"span","marks":[],"text":"This largely explains the growth in popularity of these bonds – as the tax take in the UK increases, and tax paid on interest goes up, they are a great way for higher rate taxpayers to get a relatively secure return, which is tax-free. "}],"markDefs":[],"style":"normal"},{"_key":"143bb8ec0e80","_type":"block","children":[{"_key":"0eeece876375","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Example:"},{"_key":"52ccd9cc7373","_type":"block","children":[{"_key":"00eb7eca2b96","_type":"span","marks":[],"text":""},{"_key":"72ac8f8e1ca2","_type":"mainAnchor","pageAnchor":{"_ref":"16faf849-274d-403a-b511-cf225e816d79","_type":"reference"}},{"_key":"187af134969b0","_type":"span","marks":[],"text":"How are bonds traded?"}],"markDefs":[],"style":"h3"},{"_key":"cfe82fd2d556","_type":"block","children":[{"_key":"83e5c781999e","_type":"span","marks":[],"text":"Initially, bonds will be offered to institutional investors (like banks or pension funds). When this process is complete, bonds can also be traded on the “secondary market”, where investors trade between themselves on the stock market like you can with ordinary shares. There will be a quoted price that will change throughout the day."}],"markDefs":[],"style":"normal"},{"_key":"c5da9e7fce93","_type":"block","children":[{"_key":"005c4140c0cb","_type":"span","marks":[],"text":"Investors can invest in bonds either directly or via other products which have bonds "},{"_key":"c8eefb4086c3","_type":"span","marks":["em"],"text":"in"},{"_key":"e938ff652d90","_type":"span","marks":[],"text":" them - such as multi-asset "},{"_key":"7e44d8d4eba1","_type":"span","marks":["fc7a25720353"],"text":"funds"},{"_key":"4c7c11c26b2d","_type":"span","marks":[],"text":", "},{"_key":"1bd18a481129","_type":"span","marks":["a00ce8f500dc"],"text":"ETFs"},{"_key":"46bcdb172323","_type":"span","marks":[],"text":" or"},{"_key":"922e97485ae8","_type":"span","marks":["aeb36fcf4623"],"text":" investment trusts"},{"_key":"0369c7eaf692","_type":"span","marks":[],"text":".  Bonds can play an important role in creating a diversified investment portfolio, which essentially means you invest in lots of different things in different proportion (not putting all your eggs in one basket is another way of looking at it!)."}],"markDefs":[{"_key":"fc7a25720353","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}},{"_key":"a00ce8f500dc","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}},{"_key":"aeb36fcf4623","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}}],"style":"normal"},{"_key":"8d973bcf2a1e","_type":"block","children":[{"_key":"2ec1aede89ab","_type":"span","marks":[],"text":"Many leading investment platforms such as "},{"_key":"eee0df919504","_type":"span","marks":["359cabde0d3c"],"text":"Hargreaves Lansdown"},{"_key":"809b677f8b82","_type":"span","marks":[],"text":", "},{"_key":"409e9d18bd45","_type":"span","marks":["457c15a8eac2"],"text":"AJ Bell "},{"_key":"a8416a475e6a","_type":"span","marks":[],"text":"and "},{"_key":"7fcdea77d655","_type":"span","marks":["abe234734263"],"text":"interactive investor"},{"_key":"1f5b49f77d32","_type":"span","marks":[],"text":" now let retail customers buy bonds just like you would with shares."}],"markDefs":[{"_key":"359cabde0d3c","_type":"internalLinkPick","reference":{"_ref":"7ca22c2a-5a22-4997-9cfb-3c0c6ad85a27","_type":"reference"}},{"_key":"457c15a8eac2","_type":"internalLinkPick","reference":{"_ref":"1dbcb796-5201-4542-a5fd-e9d2d02257e5","_type":"reference"}},{"_key":"abe234734263","_type":"internalLinkPick","reference":{"_ref":"22d041fa-4595-43c0-9055-7853b8b849f0","_type":"reference"}}],"style":"normal"},{"_key":"b42b778e35aa","_type":"block","children":[{"_key":"368f17d472ac","_type":"span","marks":[],"text":""},{"_key":"47b1a1da4f33","_type":"mainAnchor","pageAnchor":{"_ref":"3932d4f6-6124-4715-99d1-7bc659807fc4","_type":"reference"}},{"_key":"d404685b4df80","_type":"span","marks":[],"text":"What are the different types of bond?"}],"markDefs":[],"style":"h3"},{"_key":"754b01a0bb86","_type":"textboxWidget","text":[{"_key":"2c41dceddeab","_type":"block","children":[{"_key":"dfdfd3a8c947","_type":"span","marks":["strong"],"text":"Corporate bonds"},{"_key":"fb4873397cad","_type":"span","marks":[],"text":" – bonds issued by companies. The yield on corporate bonds can depend on how creditworthy the issuer is deemed to be."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1ae2c651010c","_type":"block","children":[{"_key":"b2cf653912e6","_type":"span","marks":["strong"],"text":"Junk bonds"},{"_key":"de963fb49c1a","_type":"span","marks":[],"text":" – bonds considered to be associated with a high level of risk."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"13980bdcc8e2","_type":"block","children":[{"_key":"eccb54653b7f","_type":"span","marks":["strong"],"text":"Municipal bonds"},{"_key":"fc0a803854f4","_type":"span","marks":[],"text":" – bonds issued by local governments, municipalities or states."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"99265f630422","_type":"block","children":[{"_key":"d35e39620486","_type":"span","marks":["strong"],"text":"Sovereign bonds"},{"_key":"5a9922c471ff","_type":"span","marks":[],"text":" – bonds issued by national governments. These can include gilts and treasuries."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"470565ca8ddf","_type":"block","children":[{"_key":"438715b5ca47","_type":"span","marks":["strong"],"text":"Gilts"},{"_key":"8964468bdd47","_type":"span","marks":[],"text":" – bonds issued by the UK government."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"80fda3477c0c","_type":"block","children":[{"_key":"49fed3a1aeeb","_type":"span","marks":["strong"],"text":"Treasuries"},{"_key":"ffbf2c8c0489","_type":"span","marks":[],"text":" – bonds issued by the US government."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"266e915029c0","_type":"block","children":[{"_key":"e3fcc300e9ad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a2537989de30","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Key bond terms to know:"},"text":[{"_key":"fdbdc1410e5c","_type":"block","children":[{"_key":"6f839624c465","_type":"span","marks":[],"text":"Key bond terms to know:"}],"markDefs":[],"style":"h4"},{"_key":"a2bb7aa8a4f4","_type":"block","children":[{"_key":"850c1ad2d9a0","_type":"span","marks":[],"text":"Coupon – the fixed interest rate that the bond issuer pays the lender. This is pre-agreed and does not change."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"6326a477fc02","_type":"block","children":[{"_key":"d385ee6adb2e","_type":"span","marks":[],"text":"Creditworthiness – how reliable the bond issuer is deemed to be, based on many factors such as financial security, size, and geographic location."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8e2c27f9133e","_type":"block","children":[{"_key":"de8b059c68c1","_type":"span","marks":[],"text":"Denomination – the total face value of the bond at the point of maturity (when it’s repaid)."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"04ce92ab0c77","_type":"block","children":[{"_key":"f95ddc6b78c8","_type":"span","marks":[],"text":"Maturity – the pre-agreed date at which the bond is repaid in full. This can range from less than 1 year (short-term) to over 30 years (long-term). Longer maturities typically have higher interest rates."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c0e878ef56e9","_type":"block","children":[{"_key":"0bb0b9c0c932","_type":"span","marks":[],"text":"Yield – the actual return an investor earns from a bond. 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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). "}],"markDefs":[],"style":"normal"},{"_key":"ff658a5b5353","_type":"block","children":[{"_key":"232898268c74","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0c3368685a8c","_type":"mainImage","alt":"Annuity vs drawdown: 3 things to keep in mind to find the right pension for you","asset":{"_ref":"image-cf83c5788718de29326400470bdd01ad0efa2366-2880x1620-png","_type":"reference"}},{"_key":"bb1b2eb6c90c","_type":"block","children":[{"_key":"89b4136674a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e103b11c3e88","_type":"block","children":[{"_key":"514e5a2e11ca","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"85ac2ad00090","_type":"block","children":[{"_key":"0d79ffc96599","_type":"span","marks":[],"text":"Recently, annuities have been in the news as higher interest rates have renewed their popularity. But which one is really best for you? In this article, we explain the basics of pension drawdown and annuities, why annuity rates have been rising and three things to think about when choosing between the two."}],"markDefs":[],"style":"normal"},{"_key":"2fe8d3949b6a","_type":"block","children":[{"_key":"5bdcc8950700","_type":"span","marks":[],"text":""},{"_key":"8eb020fbc672","_type":"mainAnchor","pageAnchor":{"_ref":"716b042f-b58e-4e97-8895-e2d260c29c19","_type":"reference"}},{"_key":"e30baa4b56e9","_type":"span","marks":[],"text":"What is 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. 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Some enable you to include spousal protection, whereby your spouse or civil partner receives a predetermined amount of income in the event that you pass away."}],"markDefs":[],"style":"normal"},{"_key":"a667fd385d9c","_type":"block","children":[{"_key":"9ac17cf901b6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"998c8ac285be","_type":"blockQuote","adviserLink":{"_ref":"08287788-27fc-47aa-8797-356964cf4db7","_type":"reference"},"adviserName":"Dennis Hall","jobTitle":"Chartered Financial Planner","photo":{"_type":"mainImage","alt":"Chartered Financial Planner Dennis Hall on who an annuity is best suited to","asset":{"_ref":"image-1848cbd4480bba43a3cc755623f82baf0aecd731-500x500-jpg","_type":"reference"}},"quote":[{"_key":"245e7becaffb","_type":"block","children":[{"_key":"06a0660526380","_type":"span","marks":[],"text":"Annuities suit people who are looking for an element of certainty in their finances. They won’t necessarily purchase an annuity with their whole pension fund but may want to ensure their basic costs of living are covered by a guaranteed income. They could even choose to have a fixed level of annual increase or increases linked to the retail price index (RPI)."}],"markDefs":[],"style":"normal"}]},{"_key":"0743d7336cc9","_type":"block","children":[{"_key":"adea9dc9e1aa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"014f795802c8","_type":"block","children":[{"_key":"940942638f6d","_type":"span","marks":[],"text":""},{"_key":"78d96014ca5a","_type":"mainAnchor","pageAnchor":{"_ref":"c0169b4c-2b0b-4fa3-97eb-92295f534082","_type":"reference"}},{"_key":"d3bbaf679373","_type":"span","marks":[],"text":"Drawdown vs annuity: Real life examples"}],"markDefs":[],"style":"h2"},{"_key":"ec13220107ef","_type":"block","children":[{"_key":"7a9d76f8ee31","_type":"span","marks":[],"text":"Let's look at some examples of how different financial needs can affect whether drawdown or annuity is best for you."}],"markDefs":[],"style":"normal"},{"_key":"e3845b90a9f5","_type":"block","children":[{"_key":"4abd1cce81b9","_type":"span","marks":[],"text":"Meet Linda and Robert. Linda and Robert are both 66 years old and recently retired with pension pots of £300,000 each. They have different retirement goals and financial attitudes, which led them to make different choices for accessing their pension savings."}],"markDefs":[],"style":"normal"},{"_key":"9f11bb4044d4","_type":"block","children":[{"_key":"d57e6b2b05ae","_type":"span","marks":[],"text":"Here's how their choices (drawdown for Linda, annuity for Robert) play out in practice:"}],"markDefs":[],"style":"normal"},{"_key":"a68de1e1376c","_type":"block","children":[{"_key":"a4a37d1f197f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8069b76e9436","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"33685f546f98","_type":"block","children":[{"_key":"e0fcfd342b16","_type":"span","marks":[],"text":"Linda's choice: Drawdown"}],"markDefs":[],"style":"h3"},{"_key":"a8ed63149e1f","_type":"block","children":[{"_key":"fcfa6729ceda","_type":"span","marks":[],"text":"Linda is an active retiree who plans to travel extensively during her early retirement years before settling into a quieter lifestyle later. She values flexibility and has a moderate risk tolerance."}],"markDefs":[],"style":"normal"},{"_key":"0e7760e82078","_type":"block","children":[{"_key":"33fd21efa020","_type":"span","marks":[],"text":"Linda's approach:"}],"markDefs":[],"style":"h4"},{"_key":"46c029d0fbec","_type":"block","children":[{"_key":"8611cbcf9949","_type":"span","marks":[],"text":"Takes 25% tax-free lump sum: £75,000"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"faaf6b6599b7","_type":"block","children":[{"_key":"5db3cb303d17","_type":"span","marks":[],"text":"Keeps remaining £225,000 invested in a diversified portfolio"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b6ba9cbea77f","_type":"block","children":[{"_key":"d0a2739b7aa5","_type":"span","marks":[],"text":"Plans to withdraw variable amounts:"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8e006f7e54bf","_type":"block","children":[{"_key":"f1f80632fe4d","_type":"span","marks":[],"text":"Years 1-5: £15,000 annually (higher withdrawal for travel)"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"bcfbddf8d94d","_type":"block","children":[{"_key":"d1bdd8cb1bf6","_type":"span","marks":[],"text":"Years 6-10: £12,000 annually"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"49eff2a83ae6","_type":"block","children":[{"_key":"487a5d300cb7","_type":"span","marks":[],"text":"Years 11+: £10,000 annually (reduced needs)"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"fe3dec2863d2","_type":"block","children":[{"_key":"81d4442240a3","_type":"span","marks":[],"text":"Outcome for Linda:"}],"markDefs":[],"style":"h4"},{"_key":"50760d8e783b","_type":"block","children":[{"_key":"5ac7aa7b529c","_type":"span","marks":["strong"],"text":"Flexibility"},{"_key":"ba9b5ca8313e","_type":"span","marks":[],"text":": Linda could increase her withdrawals when her daughter needed help with a house deposit in year 3."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"005039494c5d","_type":"block","children":[{"_key":"0f431703be6d","_type":"span","marks":["strong"],"text":"Investment growth"},{"_key":"cc86680a1afe","_type":"span","marks":[],"text":": Her pension pot grew to £240,000 by year 5 despite withdrawals, thanks to favourable market conditions."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"9a1ac19bfeef","_type":"block","children":[{"_key":"31c3d1351886","_type":"span","marks":["strong"],"text":"Tax efficiency"},{"_key":"0e0314a006de","_type":"span","marks":[],"text":": By varying her withdrawals, Linda kept her total income below higher tax thresholds in most years."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d6f9cff27d8f","_type":"block","children":[{"_key":"5afe34d175a4","_type":"span","marks":["strong"],"text":"Risk"},{"_key":"ff48300ec601","_type":"span","marks":[],"text":": In year 7, a market downturn reduced her pot value by 12%, but she adjusted by reducing her withdrawal temporarily."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ff6b6f80a239","_type":"block","children":[{"_key":"f09fc4609e69","_type":"span","marks":["strong"],"text":"Legacy"},{"_key":"7da500d11241","_type":"span","marks":[],"text":": Linda still has a significant pot that could potentially be passed to her children through inheritance planning if she doesn't use it all."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"a2c00a307427","_type":"block","children":[{"_key":"7f7dbdbbe830","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0737772c2ed8","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"f55ed22a4059","_type":"block","children":[{"_key":"1a7900eb3cae","_type":"span","marks":[],"text":"Robert's choice: Lifetime annuity"}],"markDefs":[],"style":"h3"},{"_key":"78743ae71a5e","_type":"block","children":[{"_key":"6198e7956a83","_type":"span","marks":[],"text":"Robert prioritises security and predictability. He has some health concerns and values knowing exactly how much income he'll receive each month."}],"markDefs":[],"style":"normal"},{"_key":"d08259d52cf6","_type":"block","children":[{"_key":"ef30de8286f3","_type":"span","marks":[],"text":"Robert's approach:"}],"markDefs":[],"style":"h4"},{"_key":"39a3f48471fd","_type":"block","children":[{"_key":"cf8a88150715","_type":"span","marks":[],"text":"Takes 25% tax-free lump sum: £75,000"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8d5fa37b8268","_type":"block","children":[{"_key":"18fd26d41e8d","_type":"span","marks":[],"text":"Uses remaining £225,000 to purchase a lifetime annuity"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1276abba375b","_type":"block","children":[{"_key":"e2338a1e3965","_type":"span","marks":[],"text":"Due to slightly elevated blood pressure and being a former smoker, he qualifies for an enhanced annuity rate"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f2f3c257b12c","_type":"block","children":[{"_key":"d984252ed0d0","_type":"span","marks":[],"text":"Selects an inflation-linked annuity with 50% spouse protection"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"273cf381ffec","_type":"block","children":[{"_key":"c1088969a698","_type":"span","marks":[],"text":"Outcome for Robert:"}],"markDefs":[],"style":"h4"},{"_key":"6c5a8765a447","_type":"block","children":[{"_key":"8a19536d8d3f","_type":"span","marks":["strong"],"text":"Guaranteed income"},{"_key":"3926a948ea62","_type":"span","marks":[],"text":": Robert receives £13,500 per year for life, with annual increases matching inflation"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"2d5a9ed1c94e","_type":"block","children":[{"_key":"b8930c3f3cc2","_type":"span","marks":["strong"],"text":"Security"},{"_key":"fe554f3d3348","_type":"span","marks":[],"text":": Market fluctuations have no impact on his retirement income"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"505b807e4a90","_type":"block","children":[{"_key":"7966cf621305","_type":"span","marks":["strong"],"text":"Simplicity"},{"_key":"d381568637d1","_type":"span","marks":[],"text":": Robert doesn't need to make ongoing investment decisions or worry about withdrawal rates"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"aa4ac7da995d","_type":"block","children":[{"_key":"28b0ef08ff38","_type":"span","marks":["strong"],"text":"Health advantage"},{"_key":"4ad13e56f3cf","_type":"span","marks":[],"text":": His health conditions actually benefited him by securing a higher annuity rate"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b18bf93b3f1a","_type":"block","children":[{"_key":"899a98b762ac","_type":"span","marks":["strong"],"text":"Peace of mind"},{"_key":"0053f06d4816","_type":"span","marks":[],"text":": Robert knows exactly how much income he'll receive each month for the rest of his life"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4f8cc02baa70","_type":"block","children":[{"_key":"995e87ba08e1","_type":"span","marks":["strong"],"text":"Spouse protection"},{"_key":"21375c8984ae","_type":"span","marks":[],"text":": If Robert dies first, his wife will continue to receive 50% of his annuity income"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"9f922de82044","_type":"block","children":[{"_key":"964edbfb1d8a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9b4e82e6586b","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"85689b99d167","_type":"block","children":[{"_key":"30f2ec3a42ed","_type":"span","marks":[],"text":"Five years into retirement: A 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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. 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"}],"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. 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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. Or, if you're conscious about costs but still want to chat with a financial adviser, many offer a single, fixed fee, one-off session which can help you in one fell swoop."}],"markDefs":[{"_key":"201701463bc4","_type":"internalLinkPick","blank":true,"reference":{"_ref":"95fd1bd1-7e26-4160-a7a9-9f39db7952d5","_type":"reference"}},{"_key":"6693fe9a37fe","_type":"internalLinkPick","blank":true,"reference":{"_ref":"95fd1bd1-7e26-4160-a7a9-9f39db7952d5","_type":"reference"}}],"style":"normal"}]},{"_key":"058a59037f09","_type":"block","children":[{"_key":"90cfc6379690","_type":"span","marks":[],"text":""},{"_key":"fe73c001c7e2","_type":"mainAnchor","pageAnchor":{"_ref":"d87b9541-0883-4622-ba83-89e8bb056efd","_type":"reference"}},{"_key":"f9420568d143","_type":"span","marks":[],"text":"Got a question about pensions?"}],"markDefs":[],"style":"h2"},{"_key":"3a653433c844","_type":"block","children":[{"_key":"9b6eb7f615c7","_type":"span","marks":[],"text":"Got a burning question about pension drawdown, annuities or something else related to pensions? 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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? 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This guide explains the key benefits of a SIPP and when opening one could be the right choice for you."}],"markDefs":[],"style":"normal"},{"_key":"3e8edf8a6ee8","_type":"mainImage","asset":{"_ref":"image-566e05213dc27db9008f434b2b5398097a7bdc85-1920x1080-png","_type":"reference"}},{"_key":"5a1ddbd7409b","_type":"block","children":[{"_key":"22d7e58cf98a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"48cc33f5c751","_type":"block","children":[{"_key":"6af72cdcec630","_type":"span","marks":[],"text":"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? 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":"Yet, not everyone’s workplace pension works this way. Some people have a defined benefit (DB) - sometimes called a final salary - scheme. Many of those who work in the civil service or healthcare (e.g. the NHS) have this type of plan, which typically guarantees you a predetermined income for life. It’s often dependent on how many years you’ve been an employee and your salary at the point of retirement. "}],"markDefs":[],"style":"normal"},{"_key":"9ce6c756ef9d","_type":"block","children":[{"_key":"cbc56b0396000","_type":"span","marks":[],"text":"Some DB pension schemes allow you to make additional contributions, so make sure you check the details of your arrangement to find out if you can make your own top-ups."}],"markDefs":[],"style":"normal"},{"_key":"89ecdb10f325","_type":"block","children":[{"_key":"c6d0be1b1e1d0","_type":"span","marks":[],"text":"If you’ve already checked, made sure you’re making the most of your workplace scheme and you still want to save more towards your retirement - this is where a SIPP starts to make a lot of sense. Let’s say you’ve already maxed out your employer contributions and you’ve got some extra cash at the end of the month that you want to put to good use, you could use a SIPP to tuck this away for later in life. "}],"markDefs":[],"style":"normal"},{"_key":"e928f5ae2639","_type":"block","children":[{"_key":"0f756403676c","_type":"span","marks":[],"text":""},{"_key":"44835bdefd54","_type":"mainAnchor","pageAnchor":{"_ref":"00961fa6-d9b1-495e-b4de-b62e8b9fd0cb","_type":"reference"}},{"_key":"6bb083caa2e7","_type":"span","marks":[],"text":"2. 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 "},{"_key":"aa8ffd93c174","_type":"span","marks":["ecd15fed90bc"],"text":"“green”, “sustainable” or “ethical” firms"},{"_key":"a70153a43df1","_type":"span","marks":[],"text":", putting your long-term savings behind the companies striving to make the world a better place. 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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. 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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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This means you pay 5% of your pre-tax earnings into your workplace pension scheme while your employer puts in 3%. 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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":{"_id":"e87611f7-5f1e-4039-8a16-99b71d40b0de","_type":"anchorCategory","_rev":"aa0W4OP6ylnzBGx4Lgdq3t","_createdAt":"2024-04-17T10:00:40Z","_updatedAt":"2024-04-17T10:00:40Z","AnchorName":"whatcaniputinasipp","id":"-ea3507b5-a245-5be9-bb0f-581c9390e130","children":[],"parent":null}},{"_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 where shares come in. They let us own a small slice of a company, so if they do well, so do we. And if they flop, we lose money."}],"markDefs":[],"style":"normal"},{"_key":"a0e51805f65c","_type":"block","children":[{"_key":"1d694591f0bd0","_type":"span","marks":[],"text":"Also known as stocks, or equities, shares exist to enable companies to raise money to fund their activity and growth. Individuals or companies buy shares, and give that company some money in return for ownership of a small piece of that business."}],"markDefs":[],"style":"normal"},{"_key":"059b41aceadf","_type":"block","children":[{"_key":"e2ce0bb15dbb0","_type":"span","marks":[],"text":"The thought process behind buying a share is no more complicated than what you see on Dragon's Den. You're the dragon trying to work out if you should invest in the company or not. But buying a single share can actually be a risky way to access the stock market. Why? Well, you're putting all your eggs in one basket."}],"markDefs":[],"style":"normal"},{"_key":"406e204d28d3","_type":"block","children":[{"_key":"8fe730591b110","_type":"span","marks":[],"text":"We spoke to a lady who was horrified that she bought M&S shares and they went down. \"I mean, it was M&S! They're really busy!\" Just because it's a big brand which looks safe and solid, doesn't necessarily mean they're making decent profits that year or tracking to plan. "}],"markDefs":[],"style":"normal"},{"_key":"a8166423face","_type":"block","children":[{"_key":"fb63eec8d60f","_type":"span","marks":[],"text":""},{"_key":"47a7d68d0f5b","_type":"mainAnchor","pageAnchor":{"_ref":"418e4e74-c858-4625-9d7a-8c06f7c6e4ad","_type":"reference"}},{"_key":"758bdfebe7ed","_type":"span","marks":[],"text":"Are shares right for me?"}],"markDefs":[],"style":"h2"},{"_key":"0deb8561d20a","_type":"block","children":[{"_key":"c181c818cb3f","_type":"span","marks":[],"text":"15% of UK adults own shares [1], but they're not the right sort of investment for everyone - especially if you're low on time or looking for an easy way to put your money behind several companies. Here's an overview of some of the main pros and cons of shares."}],"markDefs":[],"style":"normal"},{"_key":"db9f89042c3f","_type":"prosConsWidget","cons":["Want a global mix of investments ","Are time poor ","Will only choose 2 or 3!"],"consTitle":"Bad if you ","pros":["Actively follow the markets","Want to be in charge","Have time to dedicate to this "],"prosTitle":"Good if you "},{"_key":"c3a7ffeffbb7","_type":"block","children":[{"_key":"271a51c12db2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5b2ffecea1c4","_type":"block","children":[{"_key":"05c92c04fca2","_type":"span","marks":[],"text":""},{"_key":"4bc185b25eec","_type":"mainAnchor","pageAnchor":{"_ref":"126f92a2-61db-45bc-9444-4172007cc99b","_type":"reference"}},{"_key":"41d53cf47ed5","_type":"span","marks":[],"text":"Cash vs shares"}],"markDefs":[],"style":"h2"},{"_key":"bd1126eb98eb","_type":"block","children":[{"_key":"0612752e8969","_type":"span","marks":["strong"],"text":"If you had put £10,000 away in 2015, what would it be worth by the end of September 2025?"}],"markDefs":[]},{"_key":"a5368c85fe2c","_type":"block","children":[{"_key":"da32cdb4e3ce","_type":"span","marks":[],"text":"The graph below shows you a recent example of how cash has performed compared to stock market shares. For the purposes of this illustration, we've looked at the growth of a single £10,000 lump sum investment in cash and in two stock market indices: the "},{"_key":"c79b9014dcc5","_type":"span","marks":["4b175e3b60cd"],"text":"FTSE 100"},{"_key":"31e14e27f0b1","_type":"span","marks":[],"text":" and "},{"_key":"fa15bb1b35a8","_type":"span","marks":["ccbe1340ca9f"],"text":"MSCI World"},{"_key":"5e096fa1dd9d","_type":"span","marks":[],"text":" (you can read more about these below the image)."}],"markDefs":[{"_key":"4b175e3b60cd","_type":"glossaryPick","reference":{"_ref":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"reference"}},{"_key":"ccbe1340ca9f","_type":"glossaryPick","reference":{"_ref":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"reference"}}],"style":"normal"},{"_key":"a8cf71d02792","_type":"block","children":[{"_key":"d84597919bbd","_type":"span","marks":[],"text":"It's clear to see that leaving your money in cash (pink) led to significantly less growth over the period between 2015-2025 than if you had invested in stock markets. And although the British FTSE 100 Index (blue) didn't perform quite as well as MSCI World (green), it still climbed to £2,182 - compared to gains of just £1,180 from cash over the same time period. Of course, these numbers look measly compared to MSCI World's impressive £3,348 gain."}],"markDefs":[],"style":"normal"},{"_key":"eacbefb8908a","_type":"block","children":[{"_key":"7186a99d615e","_type":"span","marks":[],"text":"NB: The dip you can see after Q4 2019 reflects the start of the COVID-19 pandemic and subsequent global lockdowns."}],"markDefs":[],"style":"normal"},{"_key":"b33adb272cf6","_type":"frameWidget","href":"https://www.canva.com/design/DAG7OFE42_c/V25AjrWXM8szDDn7pZL9bg/view?embed"},{"_key":"9898bcddeff8","_type":"block","children":[{"_key":"2f05e2427ec8","_type":"span","marks":["em"],"text":"Source: FE FundInfo. "}],"markDefs":[],"style":"small"},{"_key":"906d1a3db60a","_type":"block","children":[{"_key":"b29deef19a8e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d745e25d9983","_type":"block","children":[{"_key":"d611edb2ae67","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"adb9f4083d5c","_type":"block","children":[{"_key":"22374dbfb4fe","_type":"span","marks":[],"text":""},{"_key":"c07bbbc35194","_type":"mainAnchor","pageAnchor":{"_ref":"223c3cb3-164a-4144-b7ec-60a049133752","_type":"reference"}},{"_key":"91a17272db40","_type":"span","marks":[],"text":"Will shares outperform cash in the next 10 years?"}],"markDefs":[],"style":"h2"},{"_key":"15bd2c48638c","_type":"block","children":[{"_key":"d367b10febfa","_type":"span","marks":[],"text":"Just like the weather, it's impossible to predict what the future holds. All we can do is show what has happened in the past. Shares are a bumpier ride than cash – and not a short-term thing. Anyone who says they can guarantee you'll make money is probably lying. There are risks. But research tells us that shares have done better than cash 9 times out of 10 over any 10 year period since the stock markets began."}],"markDefs":[],"style":"normal"},{"_key":"e51d6e72bf95","_type":"block","children":[{"_key":"9b843e253e7f0","_type":"span","marks":[],"text":"You buy and sell them on the stock market and, just like eBay, people make bids and offers. But it all happens super fast. Prices bounce up and down and at the end of the day it all comes down to sentiment – if loads of people want a slice of the action and these things are flavour of the month (think Nintendo after Pokemon Go), then prices rise as the sellers get a bit cockier. If people get turned off and the share in question is uncool, then everyone tries to offload them and the asking price falls."}],"markDefs":[],"style":"normal"},{"_key":"2c5c408f7745","_type":"block","children":[{"_key":"5517dd075cf1","_type":"span","marks":[],"text":"Curious about what's got investors' interest this week? Catch up with Holly's award-winning blog every Friday for the low-down on what's going on in stock markets, how it could impact your finances, and some no-nonsense food for thought to help you make better money choices."}],"markDefs":[],"style":"normal"},{"_key":"f73008bb0852","_type":"block","children":[{"_key":"1330f0821be2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2ce8804a8fc7","_type":"emailSignupWidget","brazeCustomAttributes":[{"_key":"8b471fe69932","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_blog","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/shares/"}],"emailSignupWidgetButtonText":"SIGN UP","image":{"_type":"mainImage","alt":"Image of Boring Money CEO Holly Mackay","asset":{"_ref":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png","_type":"reference"}},"paragraphText":"Sign up for no-nonsense tips, tricks and food for thought every Friday!","thankYouText":[{"_key":"ee1425e50c90","_type":"block","children":[{"_key":"03c4926a2d3f","_type":"span","marks":[],"text":"Thank you for signing up!"}],"markDefs":[],"style":"normal"}],"title":"Want to get Holly's weekly blog straight to your inbox?"},{"_key":"b2dea6276185","_type":"block","children":[{"_key":"023c64412ca5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"28d3689c637a","_type":"block","children":[{"_key":"76733dfbfc45","_type":"span","marks":[],"text":""},{"_key":"0a9998a15f58","_type":"mainAnchor","pageAnchor":{"_ref":"b51797d9-dc13-41da-a375-b898f0a9e850","_type":"reference"}},{"_key":"0c127d60e2f30","_type":"span","marks":[],"text":"How can I buy shares?"}],"markDefs":[],"style":"h2"},{"_key":"104c6e83ed38","_type":"block","children":[{"_key":"c60e50ec6f020","_type":"span","marks":[],"text":"Rather than going to companies directly and asking to buy a share of their business, we access shares through a central market otherwise known as the Stock Exchange. Companies will 'list' on the Stock Exchange, which means anyone can buy or sell a share."}],"markDefs":[],"style":"normal"},{"_key":"6b952a371b27","_type":"block","children":[{"_key":"c96caa808e100","_type":"span","marks":[],"text":"The Stock Exchange can be accessed through online investment platforms, many of which are beginner-friendly. These platforms allow you to purchase a small percentage of some of the world's largest companies - this ranges from BP to HSBC, Apple to Samsung, and Microsoft to British Airways."}],"markDefs":[],"style":"normal"},{"_key":"22300cbe9ed3","_type":"block","children":[{"_key":"7a5c50542b870","_type":"span","marks":[],"text":"You can either buy individual shares directly - through an online broker or an investment platform - or purchase a fund in order to get exposure to dozens of shares in one fell swoop. If you're new to investing and don't know where to start, check out our hand-selected Best For Beginners award winners to see which providers we think are the best starting point."}],"markDefs":[],"style":"normal"},{"_key":"6edb4bdd89cb","_type":"block","children":[{"_key":"b8900097f7ce","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best For Beginners award winners "}],"markDefs":[],"style":"normal"}],"_key":"61821a40134b","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"b5821c35-fa71-43c3-8f89-cc7b29ad9030","_type":"reference"},"text":"CLICK HERE"},{"_key":"adc43eba0539","_type":"block","children":[{"_key":"fa3bf0ee3f7a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ea21677253e9","_type":"block","children":[{"_key":"67c0573a3e1a","_type":"span","marks":[],"text":""},{"_key":"d6fc0adcefb5","_type":"mainAnchor","pageAnchor":{"_ref":"81ce9ca2-c137-4518-a387-0704343a7403","_type":"reference"}},{"_key":"a3c5345fe75c0","_type":"span","marks":[],"text":"Buying bulk shares through a fund"}],"markDefs":[],"style":"h3"},{"_key":"e398386f79e3","_type":"block","children":[{"_key":"87b61ebbd9e70","_type":"span","marks":[],"text":"The concept of buying shares through a "},{"_key":"5d2b30ca7f3e","_type":"span","marks":["69d28fa112e1"],"text":"fund"},{"_key":"b1c54b0016d7","_type":"span","marks":[],"text":" is similar to buying a mixed case of wine. You don't have time to pick individual bottles, or you don't want the responsibility of choosing the best, so you let it be done for you. You're outsourcing the selection of individual components to someone else."}],"markDefs":[{"_key":"69d28fa112e1","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"338dc4e1da41","_type":"block","children":[{"_key":"a6c6dd0980fc0","_type":"span","marks":[],"text":"A single fund will usually house around 30-60 shares. Whilst someone else may have invested £1,000 into an individual share, a very small percentage of your £1,000 may be invested in the same company. If that business then takes a hit, you won't be so badly affected - the majority of your money is invested elsewhere. Basically, you are spreading your bets for security."}],"markDefs":[],"style":"normal"},{"_key":"ed31383984b8","_type":"block","children":[{"_key":"db372dca686d0","_type":"span","marks":[],"text":"When investing through a fund, you are unlikely to have to pay trading or transaction fees. You will, however, encounter management fees throughout the duration of your investment. If you want to buy a few shares or a fund, then it's usually best to open up an account online and use your annual tax-free "},{"_key":"299e331da67d","_type":"span","marks":["3b82ca551e01"],"text":"ISA"},{"_key":"3e0755bd3239","_type":"span","marks":[],"text":" allowance if you can."}],"markDefs":[{"_key":"3b82ca551e01","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"},{"_key":"84839ede04c6","_type":"block","children":[{"_key":"3f2cb72aaf06","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best Buy ISAs for your investing needs"}],"markDefs":[],"style":"normal"}],"_key":"ac4d4573cacf","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"5027ed98-4e53-4e94-8fc1-9d370b15dd5c","_type":"reference"},"text":"CLICK HERE"},{"_key":"92e08f9b828e","_type":"block","children":[{"_key":"d1d42ee1879b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dc479e2b8db6","_type":"block","children":[{"_key":"7222f974db16","_type":"span","marks":[],"text":""},{"_key":"399f39b611a8","_type":"mainAnchor","pageAnchor":{"_ref":"bd7d91db-0143-49c9-b079-df3872327a31","_type":"reference"}},{"_key":"a6579f69575f0","_type":"span","marks":[],"text":"Buying individual shares directly"}],"markDefs":[],"style":"h3"},{"_key":"b3155957d51f","_type":"block","children":[{"_key":"a1c8070511b00","_type":"span","marks":[],"text":"When buying individual shares directly, you will encounter trading costs. You will typically encounter about £10 a pop, and 0.5% stamp duty to the government. This can accumulate to become an expensive way of buying small shares. The upside is that after initial purchase, you will not have to pay management fees as you would have with a fund - there's nothing to manage."}],"markDefs":[],"style":"normal"},{"_key":"19188e074c4d","_type":"block","children":[{"_key":"3edc6186140b0","_type":"span","marks":[],"text":"Buying a couple of individual shares is a risky way to get exposure to the markets - especially for less experienced investors. You have all of your investment tied into one or two businesses. If it goes badly for them, you're in trouble."}],"markDefs":[],"style":"normal"},{"_key":"c1ea16d293cf","_type":"block","children":[{"_key":"a0d9ca4cc8680","_type":"span","marks":[],"text":"This method is good for people who like to take an interest in the market, are time-rich, and confident to make decisions themselves. Shares are not so good if you are busy, don’t feel expert in this subject, or will only pick shares in companies you know and love."}],"markDefs":[],"style":"normal"},{"_key":"14b7bafe231d","_type":"block","children":[{"_key":"784213c5029c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best For Share Traders award winners"}],"markDefs":[],"style":"normal"}],"_key":"9141a0d45cf4","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"2d69df37-02bf-43eb-aed4-2624da81fbf6","_type":"reference"},"text":"CLICK HERE"},{"_key":"3135ea061a1a","_type":"block","children":[{"_key":"2d049f7f9571","_type":"span","marks":[],"text":"------"}],"markDefs":[],"style":"normal"},{"_key":"e4ce4c0148b1","_type":"block","children":[{"_key":"03f7ad822c7e","_type":"span","marks":[],"text":"[1] Online Investing Report, "},{"_key":"ec4be879d4a9","_type":"span","marks":["8cee69180130"],"text":"Boring Money "}],"markDefs":[{"_key":"8cee69180130","_type":"internalLinkPick","reference":{"_ref":"63b42a1b-dc9a-40bb-8a62-f580487de19e","_type":"reference"}}],"style":"normal"}],"categories":[{"_key":"171e98dc55ea","_ref":"9338f25b-7551-48c3-afff-03e9bc5608c3","_type":"reference"},{"_key":"912294bd8e37","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"0551e4791b33","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"},{"_key":"1287b6c4ce2e","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"excerpt":[{"_key":"947232828c12","_type":"block","children":[{"_key":"dd7bb8ce2ec7","_type":"span","marks":[],"text":"Shares simply let us own a small slice of a company. If they do well, so do we. If they flop, we lose money. Also known as stocks, or equities, shares exist to enable companies to raise money to fund their activity and growth."}],"markDefs":[],"style":"normal"}],"linkMenu":[{"_key":"ab3de5ca4b81","_ref":"a8e07a65-4c89-4487-8d36-74e328e9b292","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":"shares","asset":{"_ref":"image-e3cb48c2ce818fdd386c33daf36be5d713f09696-3840x2160-png","_type":"reference"}},"pageBreadcrumb":{"_ref":"607e940b-a7e0-4ec1-a5fa-7ee603b14620","_type":"reference"},"publishedAt":"2025-12-11T16:43:20.418Z","slug":{"_type":"slug","current":"shares"},"subfolder":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"template":"SB-C","title":"Shares Explained: A Beginner’s Guide to Buying and Investing in Stocks","widgets":[{"_key":"784de124229e","_ref":"79cbfce0-99a3-451e-82d4-c0b6a4487777","_type":"reference"},{"_key":"6e44d89729b2","_ref":"2d98a13f-5211-453c-be9e-9785894654db","_type":"reference"},{"_key":"59aabf5d8de0","_ref":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","_type":"reference"},{"_key":"ea6e2095c7dc","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-51fe97e3-1e21-50cd-9dc2-d21bd0716ede","children":[],"parent":null}}],"style":"normal"},{"_key":"5989daf6e111","_type":"block","children":[{"_key":"f7633016ed41","_type":"span","marks":["9bd8fa765441"],"text":"Funds"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"9bd8fa765441","_type":"internalLinkPick","reference":{"_id":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"information","_rev":"vIm9lhvf1eHBOprgleGFQF","_createdAt":"2021-06-22T10:49:30Z","_updatedAt":"2025-09-01T10:07:48Z","_system":{"base":{"id":"0bc8b13d-830e-4469-8ffe-6af27456b538","rev":"0iD6p61whJS2ZGE5T7VEFt"}},"authors":[{"_key":"9b488bad30a4","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"728ad57473cb","_type":"block","children":[{"_key":"150f7b31de0a","_type":"span","marks":[],"text":"By "},{"_key":"e55603603258","_type":"span","marks":["strong"],"text":"Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"e8df298b8c6b","_type":"anchorMenuMobile","title":"menu"},{"_key":"9473358fe106","_type":"block","children":[{"_key":"17cf1610cca6","_type":"span","marks":[],"text":""},{"_key":"91398572c6f0","_type":"mainAnchor","pageAnchor":{"_ref":"c092d7ca-1d59-4a6f-ae22-c1659dda889d","_type":"reference"}},{"_key":"6f92bc92429a","_type":"span","marks":[],"text":"What is a fund?"}],"markDefs":[],"style":"h2"},{"_key":"4f9ee0028862","_type":"block","children":[{"_key":"f102b7d00c72","_type":"span","marks":[],"text":"In a nutshell"}],"markDefs":[],"style":"h3"},{"_key":"e79c63c327eb","_type":"textboxWidget","text":[{"_key":"2121178f0ee6","_type":"block","children":[{"_key":"7d6a9f190010","_type":"span","marks":[],"text":"There are typically about 30-60 \"underlying investments\" in one fund"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d2a481641270","_type":"block","children":[{"_key":"22684174f3fa","_type":"span","marks":[],"text":"On average a single fund will cost about 0.75% in fees a year"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f3e088b52195","_type":"block","children":[{"_key":"d6ad20196bad","_type":"span","marks":[],"text":"Often a safer bet to invest than simply buying a few shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"216dcb5302ec","_type":"block","children":[{"_key":"9dd73649798a","_type":"span","marks":[],"text":"You can buy funds and put them in an ISA to keep your profits tax-free"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"97a80376b0f3","_type":"anchorMenuMobile","title":"s"},{"_key":"1653fdfc2af4","_type":"block","children":[{"_key":"2e2b2ab98724","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1b8d971c911d","_type":"block","children":[{"_key":"4507568d3a70","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. In other words, they're a great way to avoid making a clanger by choosing one duff share! Great for diversifying, investing overseas and for outsourcing the decision-making to a professional. "}],"markDefs":[],"style":"normal"},{"_key":"046672293a3e","_type":"block","children":[{"_key":"e15da747ad50","_type":"span","marks":[],"text":"Listen to our Founder & CEO Holly Mackay explain more about why funds are awesome in the helpful clip below."}],"markDefs":[],"style":"normal"},{"_key":"41b247f7f7f1","_type":"block","children":[{"_key":"1425f286ae8d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ee4659f373e2","_type":"mainVideo","url":"https://vimeo.com/829075140"},{"_key":"612f1e2f4f5c","_type":"block","children":[{"_key":"8b8077238e30","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8fde23f3fe04","_type":"block","children":[{"_key":"509c2688d6bd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3d8fbfc7b050","_type":"block","children":[{"_key":"32a1c0b03ecc","_type":"span","marks":[],"text":"A single fund will typically have about 30-60 different \"underlying investments\" in it. This spreads the risk around and hedges your bets, so rather than having to go and buy 30-60 individual shares all by yourself, you can just buy one fund and be done with it!"}],"markDefs":[],"style":"normal"},{"_key":"e8ce2e0fe91f","_type":"block","children":[{"_key":"942f0caaddf8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f9d2b7cefb40","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Most investors have between about 8 and 16 different Funds to get a good mix and spread their bets around!"},"text":[{"_key":"4e12795ee2ca","_type":"block","children":[{"_key":"40e2815c5d05","_type":"span","marks":["strong"],"text":"Top tip: Most investors have between about 8 and 16 different funds to get a good mix and spread their bets around!"}],"markDefs":[],"style":"normal"}]},{"_key":"faec06074b53","_type":"block","children":[{"_key":"3f1ea2ce7311","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"29e8456aa90b","_type":"block","children":[{"_key":"12710694212a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"16c468186b94","_type":"block","children":[{"_key":"8aa0e26dff77","_type":"span","marks":[],"text":"You can think of investing in funds like buying a mixed case of wine - you don't have to be a connoisseur and someone else picks the contents they think are good. Funds come in lots of different flavours - such as multi-asset funds or exchange-traded funds. More on these later."}],"markDefs":[],"style":"normal"},{"_key":"90feae1f7eb6","_type":"block","children":[{"_key":"1915aec3fabb","_type":"span","marks":[],"text":""},{"__inline":true,"_key":"5ccd7b870fec","_type":"mainAnchor","children":[{"_key":"ut1xgBnP3A4eT38f4GGbAL","text":""}],"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"},"value":{"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"}}},{"_key":"3fc8bd064d62","_type":"span","marks":[],"text":"Are funds right for me?"}],"markDefs":[],"style":"h2"},{"_key":"f4e25a5df60e","_type":"block","children":[{"_key":"fa0bcaef29cd","_type":"span","marks":[],"text":"On average, investors hold 49% of their investments in funds, making them one of the most popular investment vehicles out there. But are funds really the right option for you? "}],"markDefs":[],"style":"normal"},{"_key":"fed979756bbe","_type":"block","children":[{"_key":"64b6ad599651","_type":"span","marks":[],"text":"If you prefer the freedom and flexibility of choosing which companies to invest in, shares may be a better choice. However, funds can also be highly diversified, which means your investments might be spread across different regions, sectors and assets. This reduces the risk of any one event, such as a political crisis in a single region, having a significant impact on your investments."}],"markDefs":[],"style":"normal"},{"_key":"e1ad6cc3a02a","_type":"block","children":[{"_key":"a8b55972e4dd","_type":"span","marks":[],"text":"So really it comes down to your personal preference. Here's a round-up of some of the main pros and cons to help you decide if investing in funds is the right choice for you."}],"markDefs":[],"style":"normal"},{"_key":"434d193075a7","_type":"block","children":[{"_key":"0e7fe5da01de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4bc700b962a5","_type":"prosConsWidget","cons":["Don't want to pay a fee","Want to pick your own shares","Want to trade regularly"],"consTitle":"Bad if you ","pros":["Want a broad mix of different shares","Want to invest abroad too","Aren't a whizz trader "],"prosTitle":"Good if you"},{"_key":"48067afe70fe","_type":"block","children":[{"_key":"0361b14633a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cec017f1a38c","_type":"block","children":[{"_key":"172137ada71e","_type":"span","marks":[],"text":""},{"_key":"de53e982c4a9","_type":"mainAnchor","pageAnchor":{"_ref":"60941be5-1a4f-426e-b588-7699bee46271","_type":"reference"}},{"_key":"87cf346319c6","_type":"span","marks":[],"text":"Why invest in a fund?"}],"markDefs":[],"style":"h2"},{"_key":"93dc72ad81a4","_type":"block","children":[{"_key":"3338ff4b26c50","_type":"span","marks":[],"text":"A fund is simply the compilation album of the investing world! It’s a nice way to get someone at the sharp end of finance to pick and manage your investments from the bewildering array of bonds and shares on the market. Let’s give a really simple example. "}],"markDefs":[],"style":"normal"},{"_key":"a9403754dc28","_type":"block","children":[{"_key":"01c95b2b86ac","_type":"span","marks":[],"text":"If we ran the Boring Money UK Shares Fund (which we don’t), we might look at all the UK shares out there and say that HSBC, Shell, ITV and GlaxoSmithKline make the grade. And add them to our investment mix. But chuck out Barclays and Burberry and Sainsburys (all random examples by the way, not tips!). "}],"markDefs":[],"style":"normal"},{"_key":"7669a7ac791c","_type":"block","children":[{"_key":"d7e81010a760","_type":"span","marks":[],"text":"We’d end up with, say, 50 shares in our compilation album, which we bought for £1 each in our pretend world. So our fund would be worth £50. And we might sell 50 units to people for £1 each. "}],"markDefs":[],"style":"normal"},{"_key":"786bce77dbb8","_type":"block","children":[{"_key":"da65bc2f373e","_type":"span","marks":[],"text":"The benefit is that for a small investment of just £1, our investors would have a teeny fraction of an investment in 50 different British companies. And we would run and manage this pool of investments for you - so no need to get the calculator out and crunch any numbers!"}],"markDefs":[],"style":"normal"},{"_key":"985ff58d82e6","_type":"block","children":[{"_key":"2ad32b5454aa","_type":"span","marks":[],"text":"There are thousands of funds out there, all with different flavours, and they're among the best ways to get expert help on picking the right investments."}],"markDefs":[],"style":"normal"},{"_key":"362c2e7dfc09","_type":"block","children":[{"_key":"d766349dbf40","_type":"span","marks":[],"text":""},{"_key":"364cd3c1e445","_type":"mainAnchor","pageAnchor":{"_ref":"a5632083-6993-47e2-9bc1-07d0a86ad84c","_type":"reference"}},{"_key":"0a68034d99f40","_type":"span","marks":[],"text":"The three main fund structures "}],"markDefs":[],"style":"h2"},{"_key":"4b7b2b21499a","_type":"block","children":[{"_key":"5d8b72478bbb","_type":"span","marks":[],"text":""},{"_key":"e02338579d1e","_type":"mainAnchor","pageAnchor":{"_ref":"bcd041ed-8ed5-4fc7-8abd-21ee28def30c","_type":"reference"}},{"_key":"6c2a9ecc53f30","_type":"span","marks":[],"text":"1. Mutual fund – also known as an open-ended fund, OEIC or UCITS fund"}],"markDefs":[],"style":"h3"},{"_key":"3460d916f7b2","_type":"block","children":[{"_key":"0325a805ebd40","_type":"span","marks":[],"text":"A mutual fund combines money from multiple investors, which a professional manager invests according to the fund’s goals, such as growth or income, often focusing on specific sectors like European stocks or technology. Being “open-ended,” the fund can adjust its shares based on investor activity, with its value matching the combined value of its holdings. Investors can monitor performance daily through services like Morningstar, comparing it to similar funds or benchmarks like the FTSE All Share for UK funds."}],"markDefs":[],"style":"normal"},{"_key":"9f8832eee9c7","_type":"block","children":[{"_key":"b0249a4aa624","_type":"span","marks":[],"text":""},{"_key":"777c7f3bd35c","_type":"mainAnchor","pageAnchor":{"_ref":"b8467767-7e11-4c31-bea1-aa9f5262781c","_type":"reference"}},{"_key":"6722e89ace4a","_type":"span","marks":[],"text":"2. ETF – or exchange-traded fund"}],"markDefs":[],"style":"h3"},{"_key":"ac1f21c74e0a","_type":"block","children":[{"_key":"189a0849a0f50","_type":"span","marks":[],"text":"ETFs, or Exchange-Traded Funds, are investment funds that provide low-cost, diversified access to various markets, similar to mutual funds. Unlike mutual funds, ETFs trade on stock exchanges, with their prices fluctuating throughout the day based on supply and demand. ETFs often aim to track specific assets, like major stock indices (e.g., S&P 500), commodities, or even currencies. They can be structured using \"physical\" methods (owning a bit of each asset in the index) or \"synthetic\" methods (using derivatives to mimic asset performance). ETFs can also offer leveraged or inverse options to enhance potential gains or bet against an asset's price. They are generally affordable, easy to trade, and flexible for various investment strategies."}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"6add2d498f76","_type":"block","children":[{"_key":"14d23d4bf09a","_type":"span","marks":["strong"],"text":"Discover more about ETFs and how they work"}],"markDefs":[],"style":"normal"}],"_key":"090c0fe4bbd4","_type":"ctaWidget","reference":{"_ref":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"reference"},"text":"ETF HUB"},{"_key":"3734671b2a32","_type":"block","children":[{"_key":"ebc0f19e9b3d0","_type":"span","marks":[],"text":"3. Investment Trusts"}],"markDefs":[],"style":"h3"},{"_key":"47687a68ef20","_type":"block","children":[{"_key":"22745b29c849","_type":"span","marks":[],"text":"Investment trusts are publicly listed companies that pool investors' money to buy shares, bonds, or other assets like property. Managed by a board that oversees the fund manager, they operate as \"closed-ended\" funds, meaning they don’t need to buy or sell assets as investors come and go. This structure suits less liquid investments, and they can also save income from strong years to pay out in weaker ones, offering a steadier return. Investors can buy shares at market prices, sometimes below the actual asset value, and have many options for building a diverse portfolio. 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The two most common assets are bonds and shares, but what actually are they?"}],"markDefs":[],"style":"normal"},{"_key":"112a4d6cbc9f","_type":"block","children":[{"_key":"c6616cbb00f7","_type":"span","marks":[],"text":"What is a bond?"}],"markDefs":[],"style":"h3"},{"_key":"55297b26fffd","_type":"block","children":[{"_key":"f9ec30e1d7d7","_type":"span","marks":[],"text":"Owning a bond is kind of getting an IOU from a government or a company – you buy their bond and you’re lending them money. The dicier the prospect of getting your cash back, the more ‘interest’ they will pay you to compensate for the risk. So an Ecuadorian mining company bond would pay a gazillion times more than the relatively staid UK government, for example. It’s a riskier loan so they’ll compensate you more for taking this extra risk. "}],"markDefs":[],"style":"normal"},{"_key":"ad246f1d9a03","_type":"block","children":[{"_key":"d33daf52853b","_type":"span","marks":[],"text":"Bonds are influenced by interest rates, so they’re behaving a bit weirdly at the moment. If you lend the UK government money for 10 years, they’ll pay you about 4% (at the time of writing). And inflation is hovering around the 10% mark. So you’ll see why bonds are paying attractive rates at the moment - the UK economy is currently grappling with the risk of high inflation!"}],"markDefs":[],"style":"normal"},{"_key":"66a2cb7a79bb","_type":"block","children":[{"_key":"f67dc90952da","_type":"span","marks":[],"text":"What is a share?"}],"markDefs":[],"style":"h3"},{"_key":"42ec8b2bfea7","_type":"block","children":[{"_key":"d7677c521ef0","_type":"span","marks":[],"text":"Shares are also known as ‘equities’ or ‘stocks’. If you own shares, you buy little pieces of the world’s biggest companies. And tie your fortunes to theirs. It's these shares that make up the majority of most funds. "}],"markDefs":[],"style":"normal"},{"_key":"87391d64e98f","_type":"block","children":[{"_key":"50f803a42246","_type":"span","marks":[],"text":"As a rule of thumb, most ‘equity’ focused funds will have about 40-60 shares in them, although some fund managers have fewer, sticking to their convictions more about which shares are duds and which ones are winners. "}],"markDefs":[],"style":"normal"},{"_key":"230865d11ff5","_type":"block","children":[{"_key":"81251b61e60c","_type":"span","marks":[],"text":"Shares are also one of the few investments where you can get a decent income. Companies often pay out a share of their profits as dividends. The key is to look for an ‘equity income’ fund. Pick the right one and you could get an income of around 3-4% a year!"}],"markDefs":[],"style":"normal"},{"_key":"06e377758cad","_type":"block","children":[{"_key":"d4019195a987","_type":"span","marks":[],"text":"The balance between bonds and shares"}],"markDefs":[],"style":"h3"},{"_key":"46cf69523ea8","_type":"block","children":[{"_key":"d519404d9cb6","_type":"span","marks":[],"text":"Many suggest diversifying, which means a sort-of Combo Meal of bonds "},{"_key":"a61d5d5863e0","_type":"span","marks":["em"],"text":"and "},{"_key":"2e722c7e508b","_type":"span","marks":[],"text":"shares. Over the long-term, bonds are usually seen as safer and less choppy than shares, but many believe they will make you less over the long-run too. On the other hand, the stock market can potentially make you profit over the longer-term, but can come with significant short-term risk."}],"markDefs":[],"style":"normal"},{"_key":"c973c0042a75","_type":"block","children":[{"_key":"c0025ecc2c48","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c1f67febb327","_type":"prosConsWidget","pros":["You're nearing retirement age","You're not keen on stock market risk"],"prosTitle":"BONDS are better for you if"},{"_key":"e27629a359a2","_type":"block","children":[{"_key":"e48f0db1ddad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a30ea1e3729e","_type":"prosConsWidget","pros":["You can tolerate the concept of stock market risk","You've got lots of time before you need to access your cash"],"prosTitle":"SHARES are better for you if"},{"_key":"03b6c39b6bf2","_type":"block","children":[{"_key":"1ee6f1df4158","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ed118f277297","_type":"block","children":[{"_key":"e3ed41cc210b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c4556aebdc3","_type":"block","children":[{"_key":"59b8e9cbba60","_type":"span","marks":[],"text":"As a general rule of thumb, if you’re a spring chicken and investing for ages in the future, you should probably look at "},{"_key":"0f04bd6e7f43","_type":"span","marks":["em"],"text":"mostly "},{"_key":"0a524dc1e267","_type":"span","marks":[],"text":"shares. If you’re getting on and likely to need your money soon, people typically prefer bonds because they’re less likely to crash as dramatically as shares, leaving you high and dry if you need to cash in your investments. "}],"markDefs":[],"style":"normal"},{"_key":"c44bbef6d561","_type":"block","children":[{"_key":"e1b0274abca3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f871776e39d7","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "},"text":[{"_key":"dc826f13da73","_type":"block","children":[{"_key":"92f0eb6df824","_type":"span","marks":["strong"],"text":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "}],"markDefs":[],"style":"normal"}]},{"_key":"f7d5fb36fe0f","_type":"block","children":[{"_key":"db6952c70b24","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19431081595a","_type":"block","children":[{"_key":"6e263f6e0c3f","_type":"span","marks":[],"text":""},{"_key":"394165043e4a","_type":"mainAnchor","pageAnchor":{"_ref":"f0e25e55-88ef-4bd3-96fb-2ea766606d57","_type":"reference"}},{"_key":"d81d41f1e8ee1","_type":"span","marks":[],"text":"Active vs passive"}],"markDefs":[],"style":"h2"},{"_key":"97fd1b6cacb5","_type":"block","children":[{"_key":"b1149c8e019a","_type":"span","marks":[],"text":"Another couple of phrases you'll often see when investing in funds is 'active' and 'passive', but as the world of finance is renowned for being full of jargon, no one ever seems to explain what these are! Here's what they actually mean and why they matter when deciding on the right fund for you."}],"markDefs":[],"style":"normal"},{"_key":"4f4328ace20e","_type":"block","children":[{"_key":"267b07472f39","_type":"span","marks":[],"text":"What is an active fund?"}],"markDefs":[],"style":"h3"},{"_key":"965f3e1b9c85","_type":"block","children":[{"_key":"7e7c85ce1d910","_type":"span","marks":[],"text":"Most funds in the market are what we call ‘active’. An active fund manager, by definition, thinks he or she is smarter than the average investor. A clever clogs. They think they can spot a bargain. Spot the dog before others. Identify the region that is about to go belly-up. So they pick and choose. If you buy an active fund which invests in shares, you'll usually pay a fee to the fund manager of about 75p-95p for every £100 you entrust to them. "}],"markDefs":[],"style":"normal"},{"_key":"dd074314f1cf","_type":"block","children":[{"_key":"e2405d675768","_type":"span","marks":[],"text":"What is a passive fund?"}],"markDefs":[],"style":"h3"},{"_key":"b9d2cd328e0c","_type":"block","children":[{"_key":"9da255300335","_type":"span","marks":[],"text":"Passive funds, on the other hand, are devoid of ego and opinion. They're the well-behaved end of the fund market. No one makes a call on whether Share A is better than Share B. They simply follow what we call an index - or a list of shares or bonds in any given market. They buy them in proportion to their size and no judgement calls are made. If you buy a passive fund which invests in shares, you'll usually pay a fee to the fund manager of about 8-12p for every £100 you entrust to them. It’s a lot cheaper because it’s run by a computer, rather than an expensive human. "}],"markDefs":[],"style":"normal"},{"_key":"365e8264db90","_type":"block","children":[{"_key":"faa5a312feb3","_type":"span","marks":[],"text":"How to decide between active vs passive funds"}],"markDefs":[],"style":"h3"},{"_key":"b8221aa671cb","_type":"block","children":[{"_key":"4799dbdc92b40","_type":"span","marks":[],"text":"There are pros and cons to each approach. Passive funds will tend to be cheaper and have performed well over much of the past decade as a result of strong performance from the technology giants (which form a large share of most capitalisation-weighted indices). However, they can have certain biases – the MSCI World has a 70%+ weighting to the US[2],  for example. Equally, bond indices can have higher weights in companies that have issued the most bonds – i.e. the most indebted. This can increase risk."}],"markDefs":[],"style":"normal"},{"_key":"611ac6f8c648","_type":"block","children":[{"_key":"d022771f72c90","_type":"span","marks":[],"text":"With active funds, there tends to be extremes. Some fund managers will be very successful and deliver better returns than the wider market, while others will find their analysis doesn’t pay off. Investors need to be willing to take a risk on the manager’s skill."}],"markDefs":[],"style":"normal"},{"_key":"c39c65e3ba8a","_type":"block","children":[{"_key":"3c62d7c5ecdd","_type":"span","marks":[],"text":"The jury is out on which is best, but passive funds will inherently return the average of any market. Some active funds will go further and smash it – but others will underperform and charge you for the privilege! So it depends on your risk appetite, among other things. Happy to sit back and copy what the markets do? Passive is for you. Want to leave it to the experts to crunch the numbers and try to outperform? Then try active.\n"}],"markDefs":[],"style":"normal"},{"_key":"ad85bfad7fcf","_type":"block","children":[{"_key":"3d022ec4e243","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"769a3bdcb210","_type":"emailSignupWidget","brazeSubscriptionGroupId":"80bb057b-016f-4c60-8fed-bc2199e56dc7","brazeSubscriptionRef":{"_ref":"75cfa314-bcb6-4835-9c3d-28febc21b8d6","_type":"reference"},"image":{"_type":"mainImage","alt":"Sign up here!"},"paragraphText":"Get the best-performing funds, market commentary and jargon free insight delivered straight to your inbox every month. Join our Fund Newsletter.\n","title":"Sign up here!"},{"_key":"9082b2e04f18","_type":"block","children":[{"_key":"eca87e721854","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ed19b6fc9ee","_type":"block","children":[{"_key":"0ee0c876052d","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"1fdae174a2eb","_type":"block","children":[{"_key":"4e62aed3fa81","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3aafc66da691","_type":"block","children":[{"_key":"7eacb7f07336","_type":"span","marks":[],"text":"[1] "},{"_key":"d5da36f05625","_type":"span","marks":["873e1e148fbf"],"text":"PwC, March 2024"}],"markDefs":[{"_key":"873e1e148fbf","_type":"internalLinkPick","blank":true,"reference":{"_ref":"145cfde5-0dfc-42d5-920b-0b191331e84e","_type":"reference"}}],"style":"normal"},{"_key":"303192e61fb6","_type":"block","children":[{"_key":"1928cb41e922","_type":"span","marks":[],"text":"[2] "},{"_key":"341d43b08b6b","_type":"span","marks":["a4f8efc4fe28"],"text":"MSCI, November 2024"}],"markDefs":[{"_key":"a4f8efc4fe28","_type":"internalLinkPick","blank":true,"reference":{"_ref":"b300e7f8-9ee8-475d-85f0-bcccebda9deb","_type":"reference"}}],"style":"normal"},{"_key":"49a0d84ddbed","_type":"block","children":[{"_key":"cae41be45c6b","_type":"span","marks":[],"text":"[3] "},{"_key":"653072da076b","_type":"span","marks":["d77d4f4a9a3d"],"text":"Trustnet, January 2023"}],"markDefs":[{"_key":"d77d4f4a9a3d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"39231df5-0e90-4b9c-abc7-f980c11317c9","_type":"reference"}}],"style":"normal"}],"categories":[{"_key":"1a989c0fd8ee","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"},{"_key":"761051b73014","_ref":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","_type":"reference"},{"_key":"89ab44c91dc9","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"}],"excerpt":[{"_key":"0c5edb6fe2c3","_type":"block","children":[{"_key":"e3cfba5e3d06","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. 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Great for investing overseas and for outsourcing the decision-making to a professional."}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":true,"linkMenu":[{"_key":"8b72c2502fe7","_ref":"e7ee7375-de0b-4584-ab7c-316ed8adfc92","_type":"reference"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-38ee5a76884f602245c15a08ea6cd1cc47fe4200-3840x2160-png","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"607e940b-a7e0-4ec1-a5fa-7ee603b14620","_type":"reference"},"publishedAt":"2025-01-02T15:32:00.000Z","slug":{"_type":"slug","current":"funds"},"subfolder":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"template":"C-SB","theme":"Boring Money theme","title":"Funds Explained: The Ultimate No-Nonsense Guide for 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Think of it like a playlist of the Top 40 – no favourites, just a mix of the biggest names in a particular index or sector."}],"markDefs":[],"style":"normal"},{"_key":"1ceb43a32660","_type":"block","children":[{"_key":"96f8ca156efc","_type":"span","marks":[],"text":"Many popular ETFs "},{"_key":"0850ca2b4022","_type":"span","marks":["fafd2e21dbe2"],"text":"passively"},{"_key":"ce3c7c5dbf5c","_type":"span","marks":[],"text":" track well-known stock market indices, like the "},{"_key":"02b55600cbf4","_type":"span","marks":["20ba425f3599"],"text":"S&P 500"},{"_key":"f50e19f21248","_type":"span","marks":[],"text":", to give you broad exposure for a low cost. Others focus on "},{"_key":"1a8176d1fbbb","_type":"span","marks":["86eeea6d91ef"],"text":"investment themes "},{"_key":"3ddb33d4e3ac","_type":"span","marks":[],"text":"like Clean Energy, Artificial Intelligence, or Biotech."}],"markDefs":[{"_key":"86eeea6d91ef","_type":"glossaryPick","reference":{"_ref":"153b5d49-ccd6-4396-8965-dc69754a85a6","_type":"reference"}},{"_key":"20ba425f3599","_type":"glossaryPick","reference":{"_ref":"05f6786c-9e39-4f1b-9b78-4eb9b2623c01","_type":"reference"}},{"_key":"fafd2e21dbe2","_type":"glossaryPick","reference":{"_ref":"c1ebf065-a9a0-4501-b78b-4f8f534e09a7","_type":"reference"}}],"style":"normal"},{"_key":"0ab475c73058","_type":"block","children":[{"_key":"0d2480cbc0c7","_type":"span","marks":[],"text":"They're generally cheap and fast growing – the total value of ETFs globally topped $10.4 trillion in 2024.[1] And they're increasingly popular with beginners and pros alike."}],"markDefs":[],"style":"normal"},{"_key":"a6e369e3a60b","_type":"block","children":[{"_key":"0b348a449a79","_type":"span","marks":[],"text":""},{"_key":"195e516b7784","_type":"mainAnchor","pageAnchor":{"_ref":"094d1a3e-f7bf-4543-a216-e6804a5653f3","_type":"reference"}},{"_key":"e70f053ddfe5","_type":"span","marks":[],"text":"Are ETFs right for me?"}],"markDefs":[],"style":"h2"},{"_key":"dc3003b953c1","_type":"prosConsWidget","cons":["You want a professional fund manager to actively manage your money","You're confident in your ability to pick individual shares","You're chasing short-term gains or want high-risk, high-reward strategies"],"consTitle":"Bad if you","pros":["You’re new to investing and want something simple to start with","You’re cost-conscious and keen to keep investment fees low","You want to track the performance of a broad market or trend"],"prosTitle":"Good if you"},{"_key":"a6b6142f67a3","_type":"block","children":[{"_key":"9f4fef57d621","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b0821875a954","_type":"block","children":[{"_key":"237008b64779","_type":"span","marks":[],"text":""},{"_key":"9b0235f0f7c1","_type":"mainAnchor","pageAnchor":{"_ref":"a2748707-923a-4ba0-b66d-cbe3a285ea46","_type":"reference"}},{"_key":"966fd7cc4ecb","_type":"span","marks":[],"text":"The pros of investing in ETFs"}],"markDefs":[],"style":"h2"},{"_key":"2daceea74e1e","_type":"block","children":[{"_key":"0fb16cf8efb4","_type":"span","marks":[],"text":""},{"_key":"d509f53a14fc","_type":"mainAnchor","pageAnchor":{"_ref":"02838716-326d-4875-bd5e-a94679cff6f5","_type":"reference"}},{"_key":"e2a7d9e37c04","_type":"span","marks":[],"text":"✅ Diversification"}],"markDefs":[],"style":"h3"},{"_key":"0e130d474d07","_type":"block","children":[{"_key":"eb0ed54a42a6","_type":"span","marks":[],"text":"ETFs have become one of the most popular ways for UK investors to grow their money – and it’s easy to see why. 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This helps spread your risk, so you’re not overly reliant on the success of one company or region."}],"markDefs":[{"_key":"fa061852d70f","_type":"glossaryPick","reference":{"_ref":"4e600be7-9819-47d4-9ee6-de4019f8a10e","_type":"reference"}},{"_key":"8e75e3f2711c","_type":"glossaryPick","reference":{"_ref":"bbd21391-fb19-4ae7-9dd4-03e45b9ff515","_type":"reference"}},{"_key":"b316985c0945","_type":"glossaryPick","reference":{"_ref":"ffc3cd50-c9a6-4e8a-ae48-94a9f8ee2717","_type":"reference"}},{"_key":"b622e5c67b29","_type":"glossaryPick","reference":{"_ref":"ea467285-7d48-4093-b16e-76d3f8a95fc1","_type":"reference"}}],"style":"normal"},{"_key":"dd219d2cecbe","_type":"block","children":[{"_key":"0f730175fc32","_type":"span","marks":[],"text":""},{"_key":"a8f8ba6c722b","_type":"mainAnchor","pageAnchor":{"_ref":"b0ab7f9a-0fa8-4687-9b83-3ef5a0587973","_type":"reference"}},{"_key":"3c407d2db4e7","_type":"span","marks":[],"text":"✅ Low fees"}],"markDefs":[],"style":"h3"},{"_key":"a46b82ca88ed","_type":"block","children":[{"_key":"5d46b372571a","_type":"span","marks":[],"text":"Another key advantage is cost. Most ETFs are "},{"_key":"0b9b2b9e9dff","_type":"span","marks":["b8b50be98d3d"],"text":"passive"},{"_key":"8e8bd2189660","_type":"span","marks":[],"text":" investments, meaning they track a market index like the FTSE 100 or the S&P 500. Because there’s no "},{"_key":"3fb2be3b173c","_type":"span","marks":["2c913a83b466"],"text":"fund manager"},{"_key":"71d59e13e338","_type":"span","marks":[],"text":" picking stocks, fees are typically lower than actively managed funds. Lower costs mean more of your money stays invested and has the chance to grow over time. "},{"_key":"6c2c67071a58","_type":"span","marks":["856a5e29c1e0"],"text":"Actively managed "},{"_key":"cd0fe0297710","_type":"span","marks":[],"text":"ETFs do exist, but the majority available to UK investors are passive."}],"markDefs":[{"_key":"b8b50be98d3d","_type":"glossaryPick","reference":{"_ref":"c1ebf065-a9a0-4501-b78b-4f8f534e09a7","_type":"reference"}},{"_key":"856a5e29c1e0","_type":"glossaryPick","reference":{"_ref":"7842521c-6418-420e-9da3-e0906c64276b","_type":"reference"}},{"_key":"2c913a83b466","_type":"glossaryPick","reference":{"_ref":"52cb8779-f204-4e14-b5e9-c3bb3cf56993","_type":"reference"}}],"style":"normal"},{"_key":"3249e59424ed","_type":"block","children":[{"_key":"2c68ddd62deb","_type":"span","marks":[],"text":""},{"_key":"7f227bfb5410","_type":"mainAnchor","pageAnchor":{"_ref":"a4b43d5c-a5a5-4255-ae01-b959a3dd0ab9","_type":"reference"}},{"_key":"3062eaa63ad1","_type":"span","marks":[],"text":"✅ Easy to understand"}],"markDefs":[],"style":"h3"},{"_key":"37f50b1fc7f3","_type":"block","children":[{"_key":"d1204dacf593","_type":"span","marks":[],"text":"ETFs are also easy to buy and sell, since they’re traded on stock exchanges just like individual shares. You can invest through most major platforms or "},{"_key":"3a71dea0a54d","_type":"span","marks":["69cea6ea0437"],"text":"ISAs"},{"_key":"dc7b102e6944","_type":"span","marks":[],"text":" with a few clicks. Their transparency, simplicity, and low barrier to entry make them an ideal choice for beginner investors, those building a long-term portfolio, or anyone looking for a low-maintenance way to invest."}],"markDefs":[{"_key":"69cea6ea0437","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"},{"_key":"fba220811ee1","_type":"block","children":[{"_key":"251b3ab91b42","_type":"span","marks":[],"text":""},{"_key":"637f55890428","_type":"mainAnchor","pageAnchor":{"_ref":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"reference"}},{"_key":"394c78b910a7","_type":"span","marks":[],"text":"The cons of investing in ETFs"}],"markDefs":[],"style":"h2"},{"_key":"6fd746bca917","_type":"block","children":[{"_key":"c87d84ab8ed8","_type":"span","marks":[],"text":""},{"_key":"2a9231654e6b","_type":"mainAnchor","pageAnchor":{"_ref":"b0bf4eec-56c9-4216-a97b-9be7a3a35527","_type":"reference"}},{"_key":"37a31be65391","_type":"span","marks":[],"text":"❌ You can’t pick and choose"}],"markDefs":[],"style":"h3"},{"_key":"10435ab41deb","_type":"block","children":[{"_key":"db1c754fe0e3","_type":"span","marks":[],"text":"While ETFs are a great tool for many investors, they’re not without their downsides. One issue is lack of flexibility. Because ETFs typically track an index, you have no control over the individual companies included. If a sector you don’t support (like fossil fuels or tobacco) is heavily represented in a broad market ETF, there’s not much you can do about it. This can be a drawback for "},{"_key":"6c28ef491aaf","_type":"span","marks":["5aab59721fc3"],"text":"ethical"},{"_key":"370dd1259229","_type":"span","marks":[],"text":" investors who want to align their portfolio with their values."}],"markDefs":[{"_key":"5aab59721fc3","_type":"glossaryPick","reference":{"_ref":"5cb1800e-1555-43a2-83d8-bd1d19a586fe","_type":"reference"}}],"style":"normal"},{"_key":"7a60017a89b5","_type":"block","children":[{"_key":"6b38641ab2cc","_type":"span","marks":[],"text":""},{"_key":"bb505b264510","_type":"mainAnchor","pageAnchor":{"_ref":"cd10a6ae-7510-4135-8400-f12ba04fda3d","_type":"reference"}},{"_key":"7dd65ce281b4","_type":"span","marks":[],"text":"❌ Beware of owning too many"}],"markDefs":[],"style":"h3"},{"_key":"1728bd5cc2c2","_type":"block","children":[{"_key":"b1bfa84f2454","_type":"span","marks":[],"text":"Another thing to watch out for is over-diversification or “diworsification.” Some investors load up on lots of ETFs without realising there’s significant overlap between the "},{"_key":"e2c6c9e2e9bf","_type":"span","marks":["46e65d891c29"],"text":"underlying"},{"_key":"4b9bd5e1f275","_type":"span","marks":[],"text":" assets. For example, if you own a global ETF and a US-focused ETF, you might be doubling up on the same stocks. It’s important to understand what’s actually inside your ETFs to avoid unintended risk or redundancy."}],"markDefs":[{"_key":"46e65d891c29","_type":"glossaryPick","reference":{"_ref":"cb2d54a5-51bd-4510-96c6-badad138eff7","_type":"reference"}}],"style":"normal"},{"_key":"e3bd9ee6ecec","_type":"block","children":[{"_key":"14bac8b5c670","_type":"span","marks":[],"text":""},{"_key":"648c01633d9c","_type":"mainAnchor","pageAnchor":{"_ref":"34c4bdaa-bb71-424f-972c-c0de69e9f1df","_type":"reference"}},{"_key":"f41184660529","_type":"span","marks":[],"text":"❌ Still rise and fall with the market"}],"markDefs":[],"style":"h3"},{"_key":"e295c312435d","_type":"block","children":[{"_key":"ef70c1df0055","_type":"span","marks":[],"text":"Finally, while many ETFs are passive by design, that doesn’t mean they’re completely safe or immune to market crashes. If the market an ETF tracks drops, so will your investment. You’re accepting market returns – for better or worse. ETFs are a great foundation, but they’re not a silver bullet for investment success."}],"markDefs":[],"style":"normal"},{"_key":"95b1fcdbdfe9","_type":"block","children":[{"_key":"5f0da20db839","_type":"span","marks":[],"text":""},{"_key":"764983d86d97","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"81e7b973b1d5","_type":"span","marks":[],"text":"Top questions on ETFs"}],"markDefs":[],"style":"h2"},{"_key":"a181b5533fdb","_type":"block","children":[{"_key":"e98d4b06806c","_type":"span","marks":[],"text":""},{"_key":"a6126a3aa223","_type":"mainAnchor","pageAnchor":{"_ref":"9f5319b0-7128-4672-9d72-529aa7f21814","_type":"reference"}},{"_key":"64cb416ca8380","_type":"span","marks":[],"text":"How much do ETFs cost?"}],"markDefs":[],"style":"h3"},{"_key":"fc122a15382d","_type":"block","children":[{"_key":"7884beb22fb0","_type":"span","marks":[],"text":"ETFs trade on stock exchanges just like individual shares, which means you buy and sell them on online investment platforms. You will often be charged a commission on each buy or sell transaction."}],"markDefs":[],"style":"normal"},{"_key":"c502aabc7234","_type":"block","children":[{"_key":"dadf564d0a4b","_type":"span","marks":[],"text":"ETFs themselves usually have an annual "},{"_key":"1443cc198b51","_type":"span","marks":["89cfe4ee3312"],"text":"management fee"},{"_key":"0156aa55050c","_type":"span","marks":[],"text":", which is typically quite low - especially for large, well-known ETFs that track broad indices. However, more niche ETFs may charge slightly higher fees due to their specific focus. "}],"markDefs":[{"_key":"89cfe4ee3312","_type":"glossaryPick","reference":{"_ref":"639ead5f-b190-4b44-bc4f-805ab4d8fcf4","_type":"reference"}}],"style":"normal"},{"_key":"481a8c10a10d","_type":"block","children":[{"_key":"8658e29d1d86","_type":"span","marks":[],"text":"Another cost to consider is the "},{"_key":"253b1edbd313","_type":"span","marks":["7f92891a603e"],"text":"bid-ask spread"},{"_key":"8f784cbe584c","_type":"span","marks":[],"text":", which is the difference between the price at which a platform is willing to buy and sell the ETF – this is similar to a "},{"_key":"1ea37f15d05e","_type":"span","marks":["76b31858e487"],"text":"currency exchange"},{"_key":"45faed2a72af","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"7f92891a603e","_type":"glossaryPick","reference":{"_ref":"acfdf9ca-55f2-4ccd-8aee-3201a6153b7b","_type":"reference"}},{"_key":"76b31858e487","_type":"glossaryPick","reference":{"_ref":"c45b581e-8764-40ef-8780-ef02845ed5fc","_type":"reference"}}],"style":"normal"},{"_key":"7104cc654d2a","_type":"block","children":[{"_key":"a069bc4adb27","_type":"span","marks":[],"text":"In terms of "},{"_key":"2d94f54238dd","_type":"span","marks":["7648f8a791df"],"text":"transaction fees"},{"_key":"182bc4de1ace","_type":"span","marks":[],"text":", they will range from being free up to  £11.95 per trade depending on the platform you are investing on. If you’re making regular contributions to your ETF, these costs can add up over time, so it’s essential to keep an eye on fees - especially if you’re investing small amounts frequently."}],"markDefs":[{"_key":"7648f8a791df","_type":"glossaryPick","reference":{"_ref":"af4eb285-d6ee-484f-89ac-d776bbfcb0c5","_type":"reference"}}],"style":"normal"},{"_key":"6975d7bc829f","_type":"block","children":[{"_key":"2f25377ef185","_type":"span","marks":[],"text":""},{"_key":"743052052ddb","_type":"mainAnchor","pageAnchor":{"_ref":"043c4d3a-e208-4710-92d6-2a77330c0be0","_type":"reference"}},{"_key":"6348fbed8524","_type":"span","marks":[],"text":"Active vs passive ETFs"}],"markDefs":[],"style":"h3"},{"_key":"71cf2ab6ddd4","_type":"mainImage","asset":{"_ref":"image-7ca3e9317480168a1de35cfa1a4a9b3f6249f78e-1920x1080-png","_type":"reference"},"blankAltTag":true},{"_key":"397cdc9d2c24","_type":"block","children":[{"_key":"afae1c0135fa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ef4fc8c4ec3","_type":"block","children":[{"_key":"80803ed8ed2d","_type":"span","marks":[],"text":"The active vs passive debate is central to investing in ETFs. "}],"markDefs":[],"style":"normal"},{"_key":"fcc7ca1029b0","_type":"block","children":[{"_key":"d36caa331723","_type":"span","marks":[],"text":"A passive ETF tracks an index and aims to mirror its performance. This type of fund is cost-effective because there’s no need for an active fund manager to make investment decisions. While you won’t outperform the market, you’ll capture its returns at a low cost. Passive ETFs are great for investors who prefer a hands-off approach, and they provide broad exposure to various markets. However, you may end up owning companies or sectors that are underperforming."}],"markDefs":[],"style":"normal"},{"_key":"39b56cc28e27","_type":"block","children":[{"_key":"45bf65d5b435","_type":"span","marks":[],"text":"On the other hand, active ETFs involve fund managers selecting stocks with the goal of outperforming the index. These ETFs typically come with higher fees, as you're paying for the expertise of the manager. However, they could deliver higher returns if the manager makes smart picks. One thing to note: active managers often closely track the index to reduce risk, meaning their performance may not actually differ much from a passive strategy."}],"markDefs":[],"style":"normal"},{"_key":"3919761790f3","_type":"block","children":[{"_key":"6802e895452b","_type":"span","marks":[],"text":"If you're drawn to"},{"_key":"1222aa85e45a","_type":"span","marks":["df5690228e1c"],"text":" sustainable investing"},{"_key":"86b8927a6d8d","_type":"span","marks":[],"text":", active managers often have more flexibility to incorporate "},{"_key":"3487e95a3dc6","_type":"span","marks":["eae5e5481ca8"],"text":"environmental, social, and governance (ESG) "},{"_key":"8eba70cf1f85","_type":"span","marks":[],"text":"criteria into their investment decisions. So active ETFs may be a better option for investors who want to tailor their portfolios to specific values."}],"markDefs":[{"_key":"df5690228e1c","_type":"internalLinkPick","reference":{"_ref":"2635d13e-e79d-414d-80f5-86b565565227","_type":"reference"}},{"_key":"eae5e5481ca8","_type":"glossaryPick","reference":{"_ref":"a7d1841d-cfd3-4151-93ce-43daaf05f1e6","_type":"reference"}}],"style":"normal"},{"_key":"5626169115c5","_type":"block","children":[{"_key":"6d9656e55dae","_type":"span","marks":[],"text":""},{"_key":"9434f621ede7","_type":"mainAnchor","pageAnchor":{"_ref":"9d6b3b86-20cb-42ed-be57-39b5c31ebac1","_type":"reference"}},{"_key":"87fd1f0ee3300","_type":"span","marks":[],"text":"ETF market price vs NAV"}],"markDefs":[],"style":"h3"},{"_key":"df30e052414b","_type":"block","children":[{"_key":"6671df8b4f7a","_type":"span","marks":[],"text":"An important thing to understand when investing in ETFs is that their market price doesn’t always match their"},{"_key":"c70a6f382360","_type":"span","marks":["bc65bd6db096"],"text":" Net Asset Value (NAV)"},{"_key":"a651f663bd20","_type":"span","marks":[],"text":". "}],"markDefs":[{"_key":"bc65bd6db096","_type":"glossaryPick","reference":{"_ref":"fed61c02-3002-4768-9374-16377d6a555f","_type":"reference"}}],"style":"normal"},{"_key":"796eb49b3bd8","_type":"block","children":[{"_key":"fcf3345e3510","_type":"span","marks":[],"text":"ETFs trade on the stock exchange, so their prices are influenced by supply and demand – just like individual stocks. Ideally, the market price should reflect the NAV, but it doesn’t always happen. If there’s high demand for a particular ETF, its market price can trade at a premium (higher) to the NAV, and if there’s little interest, it can trade at a discount (lower)."}],"markDefs":[],"style":"normal"},{"_key":"01a9ae08d825","_type":"block","children":[{"_key":"05bfc6a06892","_type":"span","marks":[],"text":"This discrepancy is more common with niche or less "},{"_key":"dde4c707f5fd","_type":"span","marks":["6b0f00e2d964"],"text":"liquid"},{"_key":"74733ca41f02","_type":"span","marks":[],"text":" ETFs (such as real estate), as larger, more popular ETFs with high trading volumes tend to stay closer to their NAV. It's just something to watch out for, particularly if you’re investing in less-established sectors or thematic ETFs."}],"markDefs":[{"_key":"6b0f00e2d964","_type":"glossaryPick","reference":{"_ref":"695ac26e-f82d-442b-842b-88d99f69cd38","_type":"reference"}}],"style":"normal"},{"_key":"0ee2fe4427aa","_type":"block","children":[{"_key":"fd91f9506b31","_type":"span","marks":[],"text":""},{"_key":"1c4d3da0a2d3","_type":"mainAnchor","pageAnchor":{"_ref":"33d7a3c3-9d61-4c73-a2f7-c973a32550ec","_type":"reference"}},{"_key":"05068f1158a6","_type":"span","marks":[],"text":"What's the difference between ETFs, ETCs, and ETNs?"}],"markDefs":[],"style":"h3"},{"_key":"48b4b698e98f","_type":"block","children":[{"_key":"c0296ae51b8f","_type":"span","marks":[],"text":"You may see different acronyms that are associated with the better-known acronym ETF. 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Each month, we go straight to the source - top UK platforms like AJ Bell, Fidelity, Hargreaves Lansdown and interactive investor - to find out which ETFs are trending."}],"markDefs":[],"style":"normal"},{"_key":"32f226649c67","_type":"block","children":[{"_key":"f10106dc09d9","_type":"span","marks":[],"text":"Whether you're after inspiration, reassurance, or just a nosey peek at the crowd favourites, our regularly updated list reveals which ETFs are winning the popularity contest. 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Compare investment platforms, ISAs, and pensions through objective reviews and user ratings to find the perfect home for your money. Cut through the financial noise with expert guidance that empowers you to make smarter investment decisions without the confusing terminology that often surrounds personal finance.","enableGatedContent":true,"excerpt":[{"_key":"98dd0dbb9d5a","_type":"block","children":[{"_key":"bd51787a25a9","_type":"span","marks":[],"text":"Discover how Exchange-Traded Funds (ETFs) work in our beginner-friendly guide. Learn about diversification benefits, low costs, trading basics, and how to choose the right ETFs for your investment goals in 2025."}],"markDefs":[],"style":"normal"}],"gateStyle":"Original - Faded","gatedContentBody":[{"_key":"ee8cf9beea42","_type":"block","children":[{"_key":"403559427f68","_type":"span","marks":[],"text":"ETFs (Exchange-Traded Funds) have exploded in popularity, with global values exceeding $10.4 trillion in 2024. 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Investment Trusts can also retain income in strong years, allowing them to continue paying dividends during more difficult periods - a feature known as dividend smoothing."}],"markDefs":[{"_key":"5a8128b50585","_type":"glossaryPick","reference":{"_ref":"879c473d-ba07-433e-ad4d-217e24243b54","_type":"reference"}}],"style":"normal"},{"_key":"080731a11e49","_type":"block","children":[{"_key":"67dabc5842bb","_type":"span","marks":[],"text":"In summary, Investment Trusts offer a flexible, expert-led way to invest in a variety of markets and sectors, with the added bonus of potentially generating a regular stream of income too."}],"markDefs":[],"style":"normal"},{"_key":"a37339e7a09b","_type":"block","children":[{"_key":"b6119c2d8f7f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e7c00b3b2796","_type":"block","children":[{"_key":"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. 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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. That means a small market dip can lead to a bigger hit to your investment."}],"markDefs":[],"style":"normal"},{"_key":"32ee3a8b93d0","_type":"block","children":[{"_key":"849b6da99cad","_type":"span","marks":[],"text":"Think of it like going downhill on a bike - fast and fun when things are smooth, but risky if you hit a bump."}],"markDefs":[],"style":"normal"},{"_key":"ce08f334bd29","_type":"block","children":[{"_key":"492b89afc6c8","_type":"span","marks":[],"text":"Not all trusts use gearing, and those that do vary in how much. If you're risk-averse, nearing retirement, or might need your money soon, a geared trust may not be the right fit. 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This means it might be harder to sell your shares quickly when you want to (illiquid). If there aren’t many buyers, you could be forced to accept a lower price than you hoped for."}],"markDefs":[],"style":"normal"},{"_key":"df7649b1e765","_type":"block","children":[{"_key":"b0e293350f66","_type":"span","marks":[],"text":"In simple terms, it’s like trying to sell a rare item that not many people want right now. This can make your investment less flexible, which might be a problem if you need cash quickly."}],"markDefs":[],"style":"normal"},{"_key":"1b3ad41fd2ed","_type":"block","children":[{"_key":"a9f42b998d41","_type":"span","marks":[],"text":"If you’re new to Investment Trusts, it’s worth checking how often a trust’s shares trade before buying. Larger, more popular trusts usually have better liquidity, making it easier to buy and sell without a hassle. 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"}],"markDefs":[{"_key":"aaabc6610285","_type":"glossaryPick","reference":{"_ref":"4e600be7-9819-47d4-9ee6-de4019f8a10e","_type":"reference"}},{"_key":"6255bb0f158a","_type":"glossaryPick","reference":{"_ref":"6b92523e-8382-472b-a1d9-c0e1654e0ad7","_type":"reference"}},{"_key":"9a1e943af354","_type":"glossaryPick","reference":{"_ref":"cb2d54a5-51bd-4510-96c6-badad138eff7","_type":"reference"}},{"_key":"fa4b026e21bd","_type":"glossaryPick","reference":{"_ref":"165e2844-2508-4b9c-988e-01423983d304","_type":"reference"}}],"style":"normal"},{"_key":"e54f9f58d6eb","_type":"block","children":[{"_key":"9c009c4938d8","_type":"span","marks":[],"text":"Ready-made portfolios can be a great way for beginners to take their first steps into the world of investing. It’s the ultimate low effort way to invest – without having to spend hours scouring the internet doing your own research. "}],"markDefs":[],"style":"normal"},{"_key":"d3ead61d6c21","_type":"block","children":[{"_key":"c0dfd1509888","_type":"span","marks":[],"text":"They're often well-diversified, meaning they take steps to spread your "},{"_key":"9c923e007484","_type":"span","marks":["cf36465504d9"],"text":"investment risk"},{"_key":"a4192dd9c7ba","_type":"span","marks":[],"text":", which may include investing in:"}],"markDefs":[{"_key":"cf36465504d9","_type":"internalLinkPick","reference":{"_ref":"5c5d525c-fda5-421a-aa58-0cffb97b4c8d","_type":"reference"}}],"style":"normal"},{"_key":"bbcba856a871","_type":"block","children":[{"_key":"99b91b43146b","_type":"span","marks":[],"text":"Different types of asset, such as "},{"_key":"e31bbb645c08","_type":"span","marks":["09036afb4c99"],"text":"shares"},{"_key":"4627b8514e3a","_type":"span","marks":[],"text":" and "},{"_key":"13546b44a193","_type":"span","marks":["5183d26a5c8a"],"text":"bonds"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"09036afb4c99","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}},{"_key":"5183d26a5c8a","_type":"internalLinkPick","reference":{"_ref":"583a0e19-d23d-4df3-989f-54c2368f0d41","_type":"reference"}}],"style":"normal"},{"_key":"41e8abe4d9f8","_type":"block","children":[{"_key":"9cc1ce18c7b1","_type":"span","marks":[],"text":"Across different regions, such as developed and developing markets"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"872a429aea56","_type":"block","children":[{"_key":"fe1c764f779a","_type":"span","marks":[],"text":"Different sectors of the economy, such as energy and agriculture"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"6cfadaf03c03","_type":"block","children":[{"_key":"827412f5b4e40","_type":"span","marks":[],"text":"Usually, a provider will offer a selection of ready-made portfolios tailored to different risk levels. 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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. 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It’s important however to understand what we really mean when we talk about investment ‘risk’ before you make a decision."}],"markDefs":[],"style":"normal"},{"_key":"921a38fb4d03","_type":"block","children":[{"_key":"bbb7b3c50de90","_type":"span","marks":[],"text":"It’s not the same as - let's say - gambling, skiing down the black run, or even driving on the motorway at 100 miles per hour. Investment risk is actually all about volatility and how much the stock market can fluctuate over a given period of time. If you're investing over 30 years, for example, the ups and downs of today don't matter as much because you’ve got plenty of time to make up for any poor performances. But if, on the other hand, you’re investing for only 5 years, your investments would have a lot less time to recover if markets took a dip. 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For those people investing with shorter time horizons - five years or so - or who don't have an appetite for alarming ups and downs, the low risk portfolios could be a good option. In theory, they should offer a smoother investment ride; they will make less over the long-term, but face less short-term volatility. Less than five years though and cash may be your best bet."}],"markDefs":[],"style":"normal"}]},{"_key":"82fedf2607f2","_type":"block","children":[{"_key":"8fd35a343b0f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2c835a525aea","_type":"block","children":[{"_key":"1ef87a462c1a0","_type":"span","marks":[],"text":"It’s also important to remember the very real risk of underestimating the impact of "},{"_key":"978d3055f439","_type":"span","marks":["1a8ada013d70"],"text":"inflation"},{"_key":"6d0cbd2e7e61","_type":"span","marks":[],"text":" on cash. Though it’s understandable to feel unsure and even nervous about investing your money, you could be locking yourself into losses if you leave your money in a current account or low interest savings account. Inflation will chew away at your pot over the longer-term and you could end up with savings that are worth considerably less than they were when you started. For example, if inflation is at 5% and you’re only earning 3% interest on your current account, then you’re actually losing 2% in real terms."}],"markDefs":[{"_key":"1a8ada013d70","_type":"glossaryPick","reference":{"_ref":"9d62b1af-7674-4f39-ba20-b0154d565241","_type":"reference"}}],"style":"normal"},{"_key":"7225e60d248d","_type":"block","children":[{"_key":"6b1ed8141a9d0","_type":"span","marks":[],"text":"For those aiming to save for five years or less, this is less of a concern, but the cumulative effect of inflation over periods longer than this could erode the value of your savings. 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You pick your risk level, and the experts handle the rest - from choosing the investments to managing them over time. Great for beginners, time-poor professionals, or anyone who wants to invest without becoming a part-time fund manager!"}],"markDefs":[],"style":"normal"},{"_key":"2837ea39eec8","_type":"block","children":[{"_key":"cb14a1d4ec74","_type":"span","marks":[],"text":"💰 Expert-managed, but can be pricey"}],"markDefs":[],"style":"h3"},{"_key":"16d2f465f1dc","_type":"block","children":[{"_key":"bf2e454055a8","_type":"span","marks":[],"text":"These portfolios typically charge all-in fees of 0.5% to 1% a year, which covers the cost of managing your investments. Robo advisers tend to sit at the higher end of that range, but you’re paying for automation, ongoing rebalancing, and a plug-and-play experience. 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The service is not the most exciting in town, and the supporting content and website could use some work, but they now have a decent app to support the journey. Changes to costs mean this is not the slam-dunk on costs for smaller investors that it used to be BUT it remains a pretty good value solution for people who don't want to choose from a range of funds and shares. Its Managed ISA and pension service are the most cost-effective and these ready-made options will please people who don't know how to - or who choose not to - manage a full portfolio themselves."}],"markDefs":[],"style":"normal"}]},{"_key":"2558928113d4","_type":"block","children":[{"_key":"1f2d365d2a22","_type":"span","marks":["em"],"text":"*This is the view of investment expert Holly Mackay based on her first-hand customer experience as a test account holder. This does not constitute regulated advice. 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There is also the choice of ready-made portfolios, such as the famed LifeStrategy range. Note that individual shares, investment trusts and other investments such as bonds are not available with a Vanguard ISA."}],"markDefs":[],"style":"normal"},{"_key":"7fc7f2136b79","_type":"block","children":[{"_key":"6a157b1d58230","_type":"span","marks":[],"text":"The cost of investing with a Vanguard ISA differs depending on how much you invest and your account type. For a self-managed Stocks and Shares ISA, the account fee is £4 a month for balances under £32,000 and 0.15% a year for balances over £32,000, with a maximum of £375 a year. The fund management cost ranges from 0.06% to 0.79%, depending on the specific fund. 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There is also the option to take a quiz and have Vanguard match you with investments that “fit your attitude to risk”, plus get optional access to expert guidance."}],"markDefs":[],"style":"normal"},{"_key":"407bb9ed5695","_type":"block","children":[{"_key":"521b840f5769","_type":"span","marks":[],"text":"The cost of investing with a Vanguard SIPP differs depending on how much you invest and your account type. For a managed SIPP, the account fee is 0.15% a year, with an additional 0.30% management fee and fund management charges of about 0.17% depending on your portfolio, totalling an all-in cost of around 0.62%."}],"markDefs":[],"style":"normal"},{"_key":"a86bea1be945","_type":"block","children":[{"_key":"01625865722d0","_type":"span","marks":[],"text":"You can set up a Vanguard SIPP with a £500 initial lump sum or start with £100 monthly regular investing installments."}],"markDefs":[],"style":"normal"},{"_key":"07744add9fa4","_type":"block","children":[{"_key":"4c88dc876e77","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9c1bb78bc213","_type":"block","children":[{"_key":"f4305fe1f515","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Vanguard Pension review"},{"_key":"655bbfdee49e","_type":"block","children":[{"_key":"5be44949b009","_type":"span","marks":[],"text":""},{"_key":"c8c7452b0adf","_type":"mainAnchor","pageAnchor":{"_ref":"ee27d09d-a3cd-4792-9e2a-c3c517b2e0b2","_type":"reference"}},{"_key":"2fcee4b1fdf5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b27178c94a73","_type":"textboxWidget","text":[{"_key":"39d0b591ba1b","_type":"block","children":[{"_key":"83f84237eb81","_type":"span","marks":[],"text":"Vanguard 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":"7ff43d774b85","_type":"block","children":[{"_key":"c07b73d150f00","_type":"span","marks":[],"text":"Like the adult Stocks & Shares ISA, JISA users can choose from a range of investments including over 85 funds, ETFs and Vanguard’s own ready-made portfolios. 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Any amount above this threshold is unlikely to be covered. Investments with Vanguard, on the other hand, are not guaranteed - by their nature, investments can and will go up and down in value."}],"markDefs":[],"style":"normal"},{"_key":"3d0f6d9cf4f7","_type":"block","children":[{"_key":"50aa8a6a1197","_type":"span","marks":[],"text":""},{"_key":"a4bbeea1bc80","_type":"mainAnchor","pageAnchor":{"_ref":"565edaa6-ad24-4e23-9720-11938d4dd074","_type":"reference"}},{"_key":"5928213953fc","_type":"span","marks":[],"text":"Who owns Vanguard?"}],"markDefs":[],"style":"h3"},{"_key":"0974ad308043","_type":"block","children":[{"_key":"205f6431eb040","_type":"span","marks":[],"text":"John C. Bogle (1929–2019) founded Vanguard in 1975. Since its inception, Bogle structured Vanguard to be owned by its own funds, which in turn means it’s owned by its own investors. 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If you already hold Vanguard funds with another provider, you can transfer these to Vanguard directly as units or shares in what is known as an ‘in specie transfer’."}],"markDefs":[],"style":"normal"},{"_key":"266d49796e46","_type":"block","children":[{"_key":"60543bb16a5f0","_type":"span","marks":[],"text":"Individuals with a defined benefit/final salary pension scheme worth over £30,000 need to have their transfer signed off by a registered financial adviser first. 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Vanguard’s S&P 500 Acc – more commonly known as VUAG – is a frequent member of our monthly "},{"_key":"d6fff89ab6ac","_type":"span","marks":["11253ab206e1"],"text":"best-selling funds"},{"_key":"3464e34ea244","_type":"span","marks":[],"text":" round-up."}],"markDefs":[{"_key":"11253ab206e1","_type":"internalLinkPick","reference":{"_ref":"aadcd51e-3d7b-47ae-94da-4226f4f25ea8","_type":"reference"}}],"style":"normal"},{"_key":"1a5a43ffe995","_type":"block","children":[{"_key":"6e451d037246","_type":"span","marks":[],"text":""},{"_key":"21b765e7435d","_type":"mainAnchor","pageAnchor":{"_ref":"08f91d37-f8e6-4d45-bf2f-c8d9fb950e62","_type":"reference"}},{"_key":"9a608bfe3cf8","_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? 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Remember that investments can also fall, so you might not get all of your money back. 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Get total access to our research-backed views, information on costs, charges and more.","enableGatedContent":true,"excerpt":[{"_key":"1565e8af9116","_type":"block","children":[{"_key":"8ab9e5887cf3","_type":"span","marks":[],"text":"Low-cost, no frills investing. The website is fine and supports those who want a simple buy and hold approach. Their LifeStrategy funds offer ready-made investment solutions and with over 30 million mostly happy customers globally, this feels like a safe option for most. 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This is where shares come in. They let us own a small slice of a company, so if they do well, so do we. And if they flop, we lose money."}],"markDefs":[],"style":"normal"},{"_key":"a0e51805f65c","_type":"block","children":[{"_key":"1d694591f0bd0","_type":"span","marks":[],"text":"Also known as stocks, or equities, shares exist to enable companies to raise money to fund their activity and growth. Individuals or companies buy shares, and give that company some money in return for ownership of a small piece of that business."}],"markDefs":[],"style":"normal"},{"_key":"059b41aceadf","_type":"block","children":[{"_key":"e2ce0bb15dbb0","_type":"span","marks":[],"text":"The thought process behind buying a share is no more complicated than what you see on Dragon's Den. You're the dragon trying to work out if you should invest in the company or not. But buying a single share can actually be a risky way to access the stock market. Why? Well, you're putting all your eggs in one basket."}],"markDefs":[],"style":"normal"},{"_key":"406e204d28d3","_type":"block","children":[{"_key":"8fe730591b110","_type":"span","marks":[],"text":"We spoke to a lady who was horrified that she bought M&S shares and they went down. \"I mean, it was M&S! They're really busy!\" Just because it's a big brand which looks safe and solid, doesn't necessarily mean they're making decent profits that year or tracking to plan. "}],"markDefs":[],"style":"normal"},{"_key":"a8166423face","_type":"block","children":[{"_key":"fb63eec8d60f","_type":"span","marks":[],"text":""},{"_key":"47a7d68d0f5b","_type":"mainAnchor","pageAnchor":{"_ref":"418e4e74-c858-4625-9d7a-8c06f7c6e4ad","_type":"reference"}},{"_key":"758bdfebe7ed","_type":"span","marks":[],"text":"Are shares right for me?"}],"markDefs":[],"style":"h2"},{"_key":"0deb8561d20a","_type":"block","children":[{"_key":"c181c818cb3f","_type":"span","marks":[],"text":"15% of UK adults own shares [1], but they're not the right sort of investment for everyone - especially if you're low on time or looking for an easy way to put your money behind several companies. Here's an overview of some of the main pros and cons of shares."}],"markDefs":[],"style":"normal"},{"_key":"db9f89042c3f","_type":"prosConsWidget","cons":["Want a global mix of investments ","Are time poor ","Will only choose 2 or 3!"],"consTitle":"Bad if you ","pros":["Actively follow the markets","Want to be in charge","Have time to dedicate to this "],"prosTitle":"Good if you "},{"_key":"c3a7ffeffbb7","_type":"block","children":[{"_key":"271a51c12db2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5b2ffecea1c4","_type":"block","children":[{"_key":"05c92c04fca2","_type":"span","marks":[],"text":""},{"_key":"4bc185b25eec","_type":"mainAnchor","pageAnchor":{"_ref":"126f92a2-61db-45bc-9444-4172007cc99b","_type":"reference"}},{"_key":"41d53cf47ed5","_type":"span","marks":[],"text":"Cash vs shares"}],"markDefs":[],"style":"h2"},{"_key":"bd1126eb98eb","_type":"block","children":[{"_key":"0612752e8969","_type":"span","marks":["strong"],"text":"If you had put £10,000 away in 2015, what would it be worth by the end of September 2025?"}],"markDefs":[]},{"_key":"a5368c85fe2c","_type":"block","children":[{"_key":"da32cdb4e3ce","_type":"span","marks":[],"text":"The graph below shows you a recent example of how cash has performed compared to stock market shares. For the purposes of this illustration, we've looked at the growth of a single £10,000 lump sum investment in cash and in two stock market indices: the "},{"_key":"c79b9014dcc5","_type":"span","marks":["4b175e3b60cd"],"text":"FTSE 100"},{"_key":"31e14e27f0b1","_type":"span","marks":[],"text":" and "},{"_key":"fa15bb1b35a8","_type":"span","marks":["ccbe1340ca9f"],"text":"MSCI World"},{"_key":"5e096fa1dd9d","_type":"span","marks":[],"text":" (you can read more about these below the image)."}],"markDefs":[{"_key":"4b175e3b60cd","_type":"glossaryPick","reference":{"_ref":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"reference"}},{"_key":"ccbe1340ca9f","_type":"glossaryPick","reference":{"_ref":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"reference"}}],"style":"normal"},{"_key":"a8cf71d02792","_type":"block","children":[{"_key":"d84597919bbd","_type":"span","marks":[],"text":"It's clear to see that leaving your money in cash (pink) led to significantly less growth over the period between 2015-2025 than if you had invested in stock markets. And although the British FTSE 100 Index (blue) didn't perform quite as well as MSCI World (green), it still climbed to £2,182 - compared to gains of just £1,180 from cash over the same time period. Of course, these numbers look measly compared to MSCI World's impressive £3,348 gain."}],"markDefs":[],"style":"normal"},{"_key":"eacbefb8908a","_type":"block","children":[{"_key":"7186a99d615e","_type":"span","marks":[],"text":"NB: The dip you can see after Q4 2019 reflects the start of the COVID-19 pandemic and subsequent global lockdowns."}],"markDefs":[],"style":"normal"},{"_key":"b33adb272cf6","_type":"frameWidget","href":"https://www.canva.com/design/DAG7OFE42_c/V25AjrWXM8szDDn7pZL9bg/view?embed"},{"_key":"9898bcddeff8","_type":"block","children":[{"_key":"2f05e2427ec8","_type":"span","marks":["em"],"text":"Source: FE FundInfo. "}],"markDefs":[],"style":"small"},{"_key":"906d1a3db60a","_type":"block","children":[{"_key":"b29deef19a8e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d745e25d9983","_type":"block","children":[{"_key":"d611edb2ae67","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"adb9f4083d5c","_type":"block","children":[{"_key":"22374dbfb4fe","_type":"span","marks":[],"text":""},{"_key":"c07bbbc35194","_type":"mainAnchor","pageAnchor":{"_ref":"223c3cb3-164a-4144-b7ec-60a049133752","_type":"reference"}},{"_key":"91a17272db40","_type":"span","marks":[],"text":"Will shares outperform cash in the next 10 years?"}],"markDefs":[],"style":"h2"},{"_key":"15bd2c48638c","_type":"block","children":[{"_key":"d367b10febfa","_type":"span","marks":[],"text":"Just like the weather, it's impossible to predict what the future holds. All we can do is show what has happened in the past. Shares are a bumpier ride than cash – and not a short-term thing. Anyone who says they can guarantee you'll make money is probably lying. There are risks. But research tells us that shares have done better than cash 9 times out of 10 over any 10 year period since the stock markets began."}],"markDefs":[],"style":"normal"},{"_key":"e51d6e72bf95","_type":"block","children":[{"_key":"9b843e253e7f0","_type":"span","marks":[],"text":"You buy and sell them on the stock market and, just like eBay, people make bids and offers. But it all happens super fast. Prices bounce up and down and at the end of the day it all comes down to sentiment – if loads of people want a slice of the action and these things are flavour of the month (think Nintendo after Pokemon Go), then prices rise as the sellers get a bit cockier. If people get turned off and the share in question is uncool, then everyone tries to offload them and the asking price falls."}],"markDefs":[],"style":"normal"},{"_key":"2c5c408f7745","_type":"block","children":[{"_key":"5517dd075cf1","_type":"span","marks":[],"text":"Curious about what's got investors' interest this week? Catch up with Holly's award-winning blog every Friday for the low-down on what's going on in stock markets, how it could impact your finances, and some no-nonsense food for thought to help you make better money choices."}],"markDefs":[],"style":"normal"},{"_key":"f73008bb0852","_type":"block","children":[{"_key":"1330f0821be2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2ce8804a8fc7","_type":"emailSignupWidget","brazeCustomAttributes":[{"_key":"8b471fe69932","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_blog","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/shares/"}],"emailSignupWidgetButtonText":"SIGN UP","image":{"_type":"mainImage","alt":"Image of Boring Money CEO Holly Mackay","asset":{"_ref":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png","_type":"reference"}},"paragraphText":"Sign up for no-nonsense tips, tricks and food for thought every Friday!","thankYouText":[{"_key":"ee1425e50c90","_type":"block","children":[{"_key":"03c4926a2d3f","_type":"span","marks":[],"text":"Thank you for signing up!"}],"markDefs":[],"style":"normal"}],"title":"Want to get Holly's weekly blog straight to your inbox?"},{"_key":"b2dea6276185","_type":"block","children":[{"_key":"023c64412ca5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"28d3689c637a","_type":"block","children":[{"_key":"76733dfbfc45","_type":"span","marks":[],"text":""},{"_key":"0a9998a15f58","_type":"mainAnchor","pageAnchor":{"_ref":"b51797d9-dc13-41da-a375-b898f0a9e850","_type":"reference"}},{"_key":"0c127d60e2f30","_type":"span","marks":[],"text":"How can I buy shares?"}],"markDefs":[],"style":"h2"},{"_key":"104c6e83ed38","_type":"block","children":[{"_key":"c60e50ec6f020","_type":"span","marks":[],"text":"Rather than going to companies directly and asking to buy a share of their business, we access shares through a central market otherwise known as the Stock Exchange. Companies will 'list' on the Stock Exchange, which means anyone can buy or sell a share."}],"markDefs":[],"style":"normal"},{"_key":"6b952a371b27","_type":"block","children":[{"_key":"c96caa808e100","_type":"span","marks":[],"text":"The Stock Exchange can be accessed through online investment platforms, many of which are beginner-friendly. These platforms allow you to purchase a small percentage of some of the world's largest companies - this ranges from BP to HSBC, Apple to Samsung, and Microsoft to British Airways."}],"markDefs":[],"style":"normal"},{"_key":"22300cbe9ed3","_type":"block","children":[{"_key":"7a5c50542b870","_type":"span","marks":[],"text":"You can either buy individual shares directly - through an online broker or an investment platform - or purchase a fund in order to get exposure to dozens of shares in one fell swoop. If you're new to investing and don't know where to start, check out our hand-selected Best For Beginners award winners to see which providers we think are the best starting point."}],"markDefs":[],"style":"normal"},{"_key":"6edb4bdd89cb","_type":"block","children":[{"_key":"b8900097f7ce","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best For Beginners award winners "}],"markDefs":[],"style":"normal"}],"_key":"61821a40134b","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"b5821c35-fa71-43c3-8f89-cc7b29ad9030","_type":"reference"},"text":"CLICK HERE"},{"_key":"adc43eba0539","_type":"block","children":[{"_key":"fa3bf0ee3f7a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ea21677253e9","_type":"block","children":[{"_key":"67c0573a3e1a","_type":"span","marks":[],"text":""},{"_key":"d6fc0adcefb5","_type":"mainAnchor","pageAnchor":{"_ref":"81ce9ca2-c137-4518-a387-0704343a7403","_type":"reference"}},{"_key":"a3c5345fe75c0","_type":"span","marks":[],"text":"Buying bulk shares through a fund"}],"markDefs":[],"style":"h3"},{"_key":"e398386f79e3","_type":"block","children":[{"_key":"87b61ebbd9e70","_type":"span","marks":[],"text":"The concept of buying shares through a "},{"_key":"5d2b30ca7f3e","_type":"span","marks":["69d28fa112e1"],"text":"fund"},{"_key":"b1c54b0016d7","_type":"span","marks":[],"text":" is similar to buying a mixed case of wine. You don't have time to pick individual bottles, or you don't want the responsibility of choosing the best, so you let it be done for you. You're outsourcing the selection of individual components to someone else."}],"markDefs":[{"_key":"69d28fa112e1","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"338dc4e1da41","_type":"block","children":[{"_key":"a6c6dd0980fc0","_type":"span","marks":[],"text":"A single fund will usually house around 30-60 shares. Whilst someone else may have invested £1,000 into an individual share, a very small percentage of your £1,000 may be invested in the same company. If that business then takes a hit, you won't be so badly affected - the majority of your money is invested elsewhere. 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If you want to buy a few shares or a fund, then it's usually best to open up an account online and use your annual tax-free "},{"_key":"299e331da67d","_type":"span","marks":["3b82ca551e01"],"text":"ISA"},{"_key":"3e0755bd3239","_type":"span","marks":[],"text":" allowance if you can."}],"markDefs":[{"_key":"3b82ca551e01","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"},{"_key":"84839ede04c6","_type":"block","children":[{"_key":"3f2cb72aaf06","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best Buy ISAs for your investing needs"}],"markDefs":[],"style":"normal"}],"_key":"ac4d4573cacf","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"5027ed98-4e53-4e94-8fc1-9d370b15dd5c","_type":"reference"},"text":"CLICK HERE"},{"_key":"92e08f9b828e","_type":"block","children":[{"_key":"d1d42ee1879b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dc479e2b8db6","_type":"block","children":[{"_key":"7222f974db16","_type":"span","marks":[],"text":""},{"_key":"399f39b611a8","_type":"mainAnchor","pageAnchor":{"_ref":"bd7d91db-0143-49c9-b079-df3872327a31","_type":"reference"}},{"_key":"a6579f69575f0","_type":"span","marks":[],"text":"Buying individual shares directly"}],"markDefs":[],"style":"h3"},{"_key":"b3155957d51f","_type":"block","children":[{"_key":"a1c8070511b00","_type":"span","marks":[],"text":"When buying individual shares directly, you will encounter trading costs. You will typically encounter about £10 a pop, and 0.5% stamp duty to the government. This can accumulate to become an expensive way of buying small shares. The upside is that after initial purchase, you will not have to pay management fees as you would have with a fund - there's nothing to manage."}],"markDefs":[],"style":"normal"},{"_key":"19188e074c4d","_type":"block","children":[{"_key":"3edc6186140b0","_type":"span","marks":[],"text":"Buying a couple of individual shares is a risky way to get exposure to the markets - especially for less experienced investors. You have all of your investment tied into one or two businesses. If it goes badly for them, you're in trouble."}],"markDefs":[],"style":"normal"},{"_key":"c1ea16d293cf","_type":"block","children":[{"_key":"a0d9ca4cc8680","_type":"span","marks":[],"text":"This method is good for people who like to take an interest in the market, are time-rich, and confident to make decisions themselves. Shares are not so good if you are busy, don’t feel expert in this subject, or will only pick shares in companies you know and love."}],"markDefs":[],"style":"normal"},{"_key":"14b7bafe231d","_type":"block","children":[{"_key":"784213c5029c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best For Share Traders award winners"}],"markDefs":[],"style":"normal"}],"_key":"9141a0d45cf4","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"2d69df37-02bf-43eb-aed4-2624da81fbf6","_type":"reference"},"text":"CLICK HERE"},{"_key":"3135ea061a1a","_type":"block","children":[{"_key":"2d049f7f9571","_type":"span","marks":[],"text":"------"}],"markDefs":[],"style":"normal"},{"_key":"e4ce4c0148b1","_type":"block","children":[{"_key":"03f7ad822c7e","_type":"span","marks":[],"text":"[1] Online Investing Report, "},{"_key":"ec4be879d4a9","_type":"span","marks":["8cee69180130"],"text":"Boring Money "}],"markDefs":[{"_key":"8cee69180130","_type":"internalLinkPick","reference":{"_ref":"63b42a1b-dc9a-40bb-8a62-f580487de19e","_type":"reference"}}],"style":"normal"}],"categories":[{"_key":"171e98dc55ea","_ref":"9338f25b-7551-48c3-afff-03e9bc5608c3","_type":"reference"},{"_key":"912294bd8e37","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"0551e4791b33","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"},{"_key":"1287b6c4ce2e","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"excerpt":[{"_key":"947232828c12","_type":"block","children":[{"_key":"dd7bb8ce2ec7","_type":"span","marks":[],"text":"Shares simply let us own a small slice of a company. If they do well, so do we. If they flop, we lose money. Also known as stocks, or equities, shares exist to enable companies to raise money to fund their activity and growth."}],"markDefs":[],"style":"normal"}],"linkMenu":[{"_key":"ab3de5ca4b81","_ref":"a8e07a65-4c89-4487-8d36-74e328e9b292","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":"shares","asset":{"_ref":"image-e3cb48c2ce818fdd386c33daf36be5d713f09696-3840x2160-png","_type":"reference"}},"pageBreadcrumb":{"_ref":"607e940b-a7e0-4ec1-a5fa-7ee603b14620","_type":"reference"},"publishedAt":"2025-12-11T16:43:20.418Z","slug":{"_type":"slug","current":"shares"},"subfolder":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"template":"SB-C","title":"Shares Explained: A Beginner’s Guide to Buying and Investing in Stocks","widgets":[{"_key":"784de124229e","_ref":"79cbfce0-99a3-451e-82d4-c0b6a4487777","_type":"reference"},{"_key":"6e44d89729b2","_ref":"2d98a13f-5211-453c-be9e-9785894654db","_type":"reference"},{"_key":"59aabf5d8de0","_ref":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","_type":"reference"},{"_key":"ea6e2095c7dc","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-51fe97e3-1e21-50cd-9dc2-d21bd0716ede","children":[],"parent":null}}],"style":"normal"},{"_key":"ae8693377528","_type":"block","children":[{"_key":"925bf5fc3575","_type":"span","marks":[],"text":"Intermediate investors"}],"markDefs":[],"style":"h4"},{"_key":"511689fd50f5","_type":"block","children":[{"_key":"fb65c7af30ce","_type":"span","marks":[],"text":"If you're reasonably confident when it comes to investing, you know what you want and don't mind handling some of the decisions yourself, selecting a decent-sized range of "},{"_key":"cda1838f9d28","_type":"span","marks":["7d48bf1e1468"],"text":"funds"},{"_key":"6a01878f5a2a","_type":"span","marks":[],"text":" - say, 8 to 12 - should suffice."}],"markDefs":[{"_key":"7d48bf1e1468","_type":"internalLinkPick","reference":{"_id":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"information","_rev":"vIm9lhvf1eHBOprgleGFQF","_createdAt":"2021-06-22T10:49:30Z","_updatedAt":"2025-09-01T10:07:48Z","_system":{"base":{"id":"0bc8b13d-830e-4469-8ffe-6af27456b538","rev":"0iD6p61whJS2ZGE5T7VEFt"}},"authors":[{"_key":"9b488bad30a4","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"728ad57473cb","_type":"block","children":[{"_key":"150f7b31de0a","_type":"span","marks":[],"text":"By "},{"_key":"e55603603258","_type":"span","marks":["strong"],"text":"Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"e8df298b8c6b","_type":"anchorMenuMobile","title":"menu"},{"_key":"9473358fe106","_type":"block","children":[{"_key":"17cf1610cca6","_type":"span","marks":[],"text":""},{"_key":"91398572c6f0","_type":"mainAnchor","pageAnchor":{"_ref":"c092d7ca-1d59-4a6f-ae22-c1659dda889d","_type":"reference"}},{"_key":"6f92bc92429a","_type":"span","marks":[],"text":"What is a fund?"}],"markDefs":[],"style":"h2"},{"_key":"4f9ee0028862","_type":"block","children":[{"_key":"f102b7d00c72","_type":"span","marks":[],"text":"In a nutshell"}],"markDefs":[],"style":"h3"},{"_key":"e79c63c327eb","_type":"textboxWidget","text":[{"_key":"2121178f0ee6","_type":"block","children":[{"_key":"7d6a9f190010","_type":"span","marks":[],"text":"There are typically about 30-60 \"underlying investments\" in one fund"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d2a481641270","_type":"block","children":[{"_key":"22684174f3fa","_type":"span","marks":[],"text":"On average a single fund will cost about 0.75% in fees a year"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f3e088b52195","_type":"block","children":[{"_key":"d6ad20196bad","_type":"span","marks":[],"text":"Often a safer bet to invest than simply buying a few shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"216dcb5302ec","_type":"block","children":[{"_key":"9dd73649798a","_type":"span","marks":[],"text":"You can buy funds and put them in an ISA to keep your profits tax-free"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"97a80376b0f3","_type":"anchorMenuMobile","title":"s"},{"_key":"1653fdfc2af4","_type":"block","children":[{"_key":"2e2b2ab98724","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1b8d971c911d","_type":"block","children":[{"_key":"4507568d3a70","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. In other words, they're a great way to avoid making a clanger by choosing one duff share! Great for diversifying, investing overseas and for outsourcing the decision-making to a professional. "}],"markDefs":[],"style":"normal"},{"_key":"046672293a3e","_type":"block","children":[{"_key":"e15da747ad50","_type":"span","marks":[],"text":"Listen to our Founder & CEO Holly Mackay explain more about why funds are awesome in the helpful clip below."}],"markDefs":[],"style":"normal"},{"_key":"41b247f7f7f1","_type":"block","children":[{"_key":"1425f286ae8d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ee4659f373e2","_type":"mainVideo","url":"https://vimeo.com/829075140"},{"_key":"612f1e2f4f5c","_type":"block","children":[{"_key":"8b8077238e30","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8fde23f3fe04","_type":"block","children":[{"_key":"509c2688d6bd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3d8fbfc7b050","_type":"block","children":[{"_key":"32a1c0b03ecc","_type":"span","marks":[],"text":"A single fund will typically have about 30-60 different \"underlying investments\" in it. This spreads the risk around and hedges your bets, so rather than having to go and buy 30-60 individual shares all by yourself, you can just buy one fund and be done with it!"}],"markDefs":[],"style":"normal"},{"_key":"e8ce2e0fe91f","_type":"block","children":[{"_key":"942f0caaddf8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f9d2b7cefb40","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Most investors have between about 8 and 16 different Funds to get a good mix and spread their bets around!"},"text":[{"_key":"4e12795ee2ca","_type":"block","children":[{"_key":"40e2815c5d05","_type":"span","marks":["strong"],"text":"Top tip: Most investors have between about 8 and 16 different funds to get a good mix and spread their bets around!"}],"markDefs":[],"style":"normal"}]},{"_key":"faec06074b53","_type":"block","children":[{"_key":"3f1ea2ce7311","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"29e8456aa90b","_type":"block","children":[{"_key":"12710694212a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"16c468186b94","_type":"block","children":[{"_key":"8aa0e26dff77","_type":"span","marks":[],"text":"You can think of investing in funds like buying a mixed case of wine - you don't have to be a connoisseur and someone else picks the contents they think are good. Funds come in lots of different flavours - such as multi-asset funds or exchange-traded funds. More on these later."}],"markDefs":[],"style":"normal"},{"_key":"90feae1f7eb6","_type":"block","children":[{"_key":"1915aec3fabb","_type":"span","marks":[],"text":""},{"__inline":true,"_key":"5ccd7b870fec","_type":"mainAnchor","children":[{"_key":"ut1xgBnP3A4eT38f4GGbAL","text":""}],"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"},"value":{"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"}}},{"_key":"3fc8bd064d62","_type":"span","marks":[],"text":"Are funds right for me?"}],"markDefs":[],"style":"h2"},{"_key":"f4e25a5df60e","_type":"block","children":[{"_key":"fa0bcaef29cd","_type":"span","marks":[],"text":"On average, investors hold 49% of their investments in funds, making them one of the most popular investment vehicles out there. But are funds really the right option for you? "}],"markDefs":[],"style":"normal"},{"_key":"fed979756bbe","_type":"block","children":[{"_key":"64b6ad599651","_type":"span","marks":[],"text":"If you prefer the freedom and flexibility of choosing which companies to invest in, shares may be a better choice. However, funds can also be highly diversified, which means your investments might be spread across different regions, sectors and assets. This reduces the risk of any one event, such as a political crisis in a single region, having a significant impact on your investments."}],"markDefs":[],"style":"normal"},{"_key":"e1ad6cc3a02a","_type":"block","children":[{"_key":"a8b55972e4dd","_type":"span","marks":[],"text":"So really it comes down to your personal preference. Here's a round-up of some of the main pros and cons to help you decide if investing in funds is the right choice for you."}],"markDefs":[],"style":"normal"},{"_key":"434d193075a7","_type":"block","children":[{"_key":"0e7fe5da01de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4bc700b962a5","_type":"prosConsWidget","cons":["Don't want to pay a fee","Want to pick your own shares","Want to trade regularly"],"consTitle":"Bad if you ","pros":["Want a broad mix of different shares","Want to invest abroad too","Aren't a whizz trader "],"prosTitle":"Good if you"},{"_key":"48067afe70fe","_type":"block","children":[{"_key":"0361b14633a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cec017f1a38c","_type":"block","children":[{"_key":"172137ada71e","_type":"span","marks":[],"text":""},{"_key":"de53e982c4a9","_type":"mainAnchor","pageAnchor":{"_ref":"60941be5-1a4f-426e-b588-7699bee46271","_type":"reference"}},{"_key":"87cf346319c6","_type":"span","marks":[],"text":"Why invest in a fund?"}],"markDefs":[],"style":"h2"},{"_key":"93dc72ad81a4","_type":"block","children":[{"_key":"3338ff4b26c50","_type":"span","marks":[],"text":"A fund is simply the compilation album of the investing world! It’s a nice way to get someone at the sharp end of finance to pick and manage your investments from the bewildering array of bonds and shares on the market. Let’s give a really simple example. "}],"markDefs":[],"style":"normal"},{"_key":"a9403754dc28","_type":"block","children":[{"_key":"01c95b2b86ac","_type":"span","marks":[],"text":"If we ran the Boring Money UK Shares Fund (which we don’t), we might look at all the UK shares out there and say that HSBC, Shell, ITV and GlaxoSmithKline make the grade. And add them to our investment mix. But chuck out Barclays and Burberry and Sainsburys (all random examples by the way, not tips!). "}],"markDefs":[],"style":"normal"},{"_key":"7669a7ac791c","_type":"block","children":[{"_key":"d7e81010a760","_type":"span","marks":[],"text":"We’d end up with, say, 50 shares in our compilation album, which we bought for £1 each in our pretend world. So our fund would be worth £50. And we might sell 50 units to people for £1 each. "}],"markDefs":[],"style":"normal"},{"_key":"786bce77dbb8","_type":"block","children":[{"_key":"da65bc2f373e","_type":"span","marks":[],"text":"The benefit is that for a small investment of just £1, our investors would have a teeny fraction of an investment in 50 different British companies. And we would run and manage this pool of investments for you - so no need to get the calculator out and crunch any numbers!"}],"markDefs":[],"style":"normal"},{"_key":"985ff58d82e6","_type":"block","children":[{"_key":"2ad32b5454aa","_type":"span","marks":[],"text":"There are thousands of funds out there, all with different flavours, and they're among the best ways to get expert help on picking the right investments."}],"markDefs":[],"style":"normal"},{"_key":"362c2e7dfc09","_type":"block","children":[{"_key":"d766349dbf40","_type":"span","marks":[],"text":""},{"_key":"364cd3c1e445","_type":"mainAnchor","pageAnchor":{"_ref":"a5632083-6993-47e2-9bc1-07d0a86ad84c","_type":"reference"}},{"_key":"0a68034d99f40","_type":"span","marks":[],"text":"The three main fund structures "}],"markDefs":[],"style":"h2"},{"_key":"4b7b2b21499a","_type":"block","children":[{"_key":"5d8b72478bbb","_type":"span","marks":[],"text":""},{"_key":"e02338579d1e","_type":"mainAnchor","pageAnchor":{"_ref":"bcd041ed-8ed5-4fc7-8abd-21ee28def30c","_type":"reference"}},{"_key":"6c2a9ecc53f30","_type":"span","marks":[],"text":"1. Mutual fund – also known as an open-ended fund, OEIC or UCITS fund"}],"markDefs":[],"style":"h3"},{"_key":"3460d916f7b2","_type":"block","children":[{"_key":"0325a805ebd40","_type":"span","marks":[],"text":"A mutual fund combines money from multiple investors, which a professional manager invests according to the fund’s goals, such as growth or income, often focusing on specific sectors like European stocks or technology. Being “open-ended,” the fund can adjust its shares based on investor activity, with its value matching the combined value of its holdings. Investors can monitor performance daily through services like Morningstar, comparing it to similar funds or benchmarks like the FTSE All Share for UK funds."}],"markDefs":[],"style":"normal"},{"_key":"9f8832eee9c7","_type":"block","children":[{"_key":"b0249a4aa624","_type":"span","marks":[],"text":""},{"_key":"777c7f3bd35c","_type":"mainAnchor","pageAnchor":{"_ref":"b8467767-7e11-4c31-bea1-aa9f5262781c","_type":"reference"}},{"_key":"6722e89ace4a","_type":"span","marks":[],"text":"2. ETF – or exchange-traded fund"}],"markDefs":[],"style":"h3"},{"_key":"ac1f21c74e0a","_type":"block","children":[{"_key":"189a0849a0f50","_type":"span","marks":[],"text":"ETFs, or Exchange-Traded Funds, are investment funds that provide low-cost, diversified access to various markets, similar to mutual funds. Unlike mutual funds, ETFs trade on stock exchanges, with their prices fluctuating throughout the day based on supply and demand. ETFs often aim to track specific assets, like major stock indices (e.g., S&P 500), commodities, or even currencies. They can be structured using \"physical\" methods (owning a bit of each asset in the index) or \"synthetic\" methods (using derivatives to mimic asset performance). ETFs can also offer leveraged or inverse options to enhance potential gains or bet against an asset's price. They are generally affordable, easy to trade, and flexible for various investment strategies."}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"6add2d498f76","_type":"block","children":[{"_key":"14d23d4bf09a","_type":"span","marks":["strong"],"text":"Discover more about ETFs and how they work"}],"markDefs":[],"style":"normal"}],"_key":"090c0fe4bbd4","_type":"ctaWidget","reference":{"_ref":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"reference"},"text":"ETF HUB"},{"_key":"3734671b2a32","_type":"block","children":[{"_key":"ebc0f19e9b3d0","_type":"span","marks":[],"text":"3. Investment Trusts"}],"markDefs":[],"style":"h3"},{"_key":"47687a68ef20","_type":"block","children":[{"_key":"22745b29c849","_type":"span","marks":[],"text":"Investment trusts are publicly listed companies that pool investors' money to buy shares, bonds, or other assets like property. Managed by a board that oversees the fund manager, they operate as \"closed-ended\" funds, meaning they don’t need to buy or sell assets as investors come and go. This structure suits less liquid investments, and they can also save income from strong years to pay out in weaker ones, offering a steadier return. Investors can buy shares at market prices, sometimes below the actual asset value, and have many options for building a diverse portfolio. Read more on how mutual funds compare to ETFs and Investment Trusts "},{"_key":"3ac6a8b34f46","_type":"span","marks":["bd12d349ce04"],"text":"here"},{"_key":"f569af0635c5","_type":"span","marks":[],"text":". \n"}],"markDefs":[{"_key":"bd12d349ce04","_type":"internalLinkPick","reference":{"_ref":"508b9184-a3ee-4f2c-b9cd-5c61ac88dfaa","_type":"reference"}}],"style":"normal"},{"LeftSideText":[{"_key":"bcb044ecf5ab","_type":"block","children":[{"_key":"ba7542cf4442","_type":"span","marks":["strong"],"text":"Find out all you need to know about Investment Trusts in our hub"}],"markDefs":[],"style":"normal"}],"_key":"c677d8dce5ad","_type":"ctaWidget","reference":{"_ref":"c4a944ee-6d37-4a32-ad78-476434729026","_type":"reference"},"text":"READ MORE"},{"_key":"90c958e3a76f","_type":"block","children":[{"_key":"58ff5f53dc6e","_type":"span","marks":[],"text":""},{"_key":"d942deccb966","_type":"mainAnchor","pageAnchor":{"_ref":"614ab4cf-e295-402a-90a2-ddce00934029","_type":"reference"}},{"_key":"45fae644733a","_type":"span","marks":[],"text":"Bonds vs shares"}],"markDefs":[],"style":"h2"},{"_key":"e90ad037fc44","_type":"block","children":[{"_key":"69fbf9a8af22","_type":"span","marks":[],"text":"When it comes to investing with funds, you'll often see the \"portfolio\" - that is, what the fund is actually invested in - broken down into different assets. The two most common assets are bonds and shares, but what actually are they?"}],"markDefs":[],"style":"normal"},{"_key":"112a4d6cbc9f","_type":"block","children":[{"_key":"c6616cbb00f7","_type":"span","marks":[],"text":"What is a bond?"}],"markDefs":[],"style":"h3"},{"_key":"55297b26fffd","_type":"block","children":[{"_key":"f9ec30e1d7d7","_type":"span","marks":[],"text":"Owning a bond is kind of getting an IOU from a government or a company – you buy their bond and you’re lending them money. The dicier the prospect of getting your cash back, the more ‘interest’ they will pay you to compensate for the risk. So an Ecuadorian mining company bond would pay a gazillion times more than the relatively staid UK government, for example. It’s a riskier loan so they’ll compensate you more for taking this extra risk. "}],"markDefs":[],"style":"normal"},{"_key":"ad246f1d9a03","_type":"block","children":[{"_key":"d33daf52853b","_type":"span","marks":[],"text":"Bonds are influenced by interest rates, so they’re behaving a bit weirdly at the moment. If you lend the UK government money for 10 years, they’ll pay you about 4% (at the time of writing). And inflation is hovering around the 10% mark. So you’ll see why bonds are paying attractive rates at the moment - the UK economy is currently grappling with the risk of high inflation!"}],"markDefs":[],"style":"normal"},{"_key":"66a2cb7a79bb","_type":"block","children":[{"_key":"f67dc90952da","_type":"span","marks":[],"text":"What is a share?"}],"markDefs":[],"style":"h3"},{"_key":"42ec8b2bfea7","_type":"block","children":[{"_key":"d7677c521ef0","_type":"span","marks":[],"text":"Shares are also known as ‘equities’ or ‘stocks’. If you own shares, you buy little pieces of the world’s biggest companies. And tie your fortunes to theirs. It's these shares that make up the majority of most funds. "}],"markDefs":[],"style":"normal"},{"_key":"87391d64e98f","_type":"block","children":[{"_key":"50f803a42246","_type":"span","marks":[],"text":"As a rule of thumb, most ‘equity’ focused funds will have about 40-60 shares in them, although some fund managers have fewer, sticking to their convictions more about which shares are duds and which ones are winners. "}],"markDefs":[],"style":"normal"},{"_key":"230865d11ff5","_type":"block","children":[{"_key":"81251b61e60c","_type":"span","marks":[],"text":"Shares are also one of the few investments where you can get a decent income. Companies often pay out a share of their profits as dividends. The key is to look for an ‘equity income’ fund. Pick the right one and you could get an income of around 3-4% a year!"}],"markDefs":[],"style":"normal"},{"_key":"06e377758cad","_type":"block","children":[{"_key":"d4019195a987","_type":"span","marks":[],"text":"The balance between bonds and shares"}],"markDefs":[],"style":"h3"},{"_key":"46cf69523ea8","_type":"block","children":[{"_key":"d519404d9cb6","_type":"span","marks":[],"text":"Many suggest diversifying, which means a sort-of Combo Meal of bonds "},{"_key":"a61d5d5863e0","_type":"span","marks":["em"],"text":"and "},{"_key":"2e722c7e508b","_type":"span","marks":[],"text":"shares. Over the long-term, bonds are usually seen as safer and less choppy than shares, but many believe they will make you less over the long-run too. On the other hand, the stock market can potentially make you profit over the longer-term, but can come with significant short-term risk."}],"markDefs":[],"style":"normal"},{"_key":"c973c0042a75","_type":"block","children":[{"_key":"c0025ecc2c48","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c1f67febb327","_type":"prosConsWidget","pros":["You're nearing retirement age","You're not keen on stock market risk"],"prosTitle":"BONDS are better for you if"},{"_key":"e27629a359a2","_type":"block","children":[{"_key":"e48f0db1ddad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a30ea1e3729e","_type":"prosConsWidget","pros":["You can tolerate the concept of stock market risk","You've got lots of time before you need to access your cash"],"prosTitle":"SHARES are better for you if"},{"_key":"03b6c39b6bf2","_type":"block","children":[{"_key":"1ee6f1df4158","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ed118f277297","_type":"block","children":[{"_key":"e3ed41cc210b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c4556aebdc3","_type":"block","children":[{"_key":"59b8e9cbba60","_type":"span","marks":[],"text":"As a general rule of thumb, if you’re a spring chicken and investing for ages in the future, you should probably look at "},{"_key":"0f04bd6e7f43","_type":"span","marks":["em"],"text":"mostly "},{"_key":"0a524dc1e267","_type":"span","marks":[],"text":"shares. If you’re getting on and likely to need your money soon, people typically prefer bonds because they’re less likely to crash as dramatically as shares, leaving you high and dry if you need to cash in your investments. "}],"markDefs":[],"style":"normal"},{"_key":"c44bbef6d561","_type":"block","children":[{"_key":"e1b0274abca3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f871776e39d7","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "},"text":[{"_key":"dc826f13da73","_type":"block","children":[{"_key":"92f0eb6df824","_type":"span","marks":["strong"],"text":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "}],"markDefs":[],"style":"normal"}]},{"_key":"f7d5fb36fe0f","_type":"block","children":[{"_key":"db6952c70b24","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19431081595a","_type":"block","children":[{"_key":"6e263f6e0c3f","_type":"span","marks":[],"text":""},{"_key":"394165043e4a","_type":"mainAnchor","pageAnchor":{"_ref":"f0e25e55-88ef-4bd3-96fb-2ea766606d57","_type":"reference"}},{"_key":"d81d41f1e8ee1","_type":"span","marks":[],"text":"Active vs passive"}],"markDefs":[],"style":"h2"},{"_key":"97fd1b6cacb5","_type":"block","children":[{"_key":"b1149c8e019a","_type":"span","marks":[],"text":"Another couple of phrases you'll often see when investing in funds is 'active' and 'passive', but as the world of finance is renowned for being full of jargon, no one ever seems to explain what these are! Here's what they actually mean and why they matter when deciding on the right fund for you."}],"markDefs":[],"style":"normal"},{"_key":"4f4328ace20e","_type":"block","children":[{"_key":"267b07472f39","_type":"span","marks":[],"text":"What is an active fund?"}],"markDefs":[],"style":"h3"},{"_key":"965f3e1b9c85","_type":"block","children":[{"_key":"7e7c85ce1d910","_type":"span","marks":[],"text":"Most funds in the market are what we call ‘active’. An active fund manager, by definition, thinks he or she is smarter than the average investor. A clever clogs. They think they can spot a bargain. Spot the dog before others. Identify the region that is about to go belly-up. So they pick and choose. If you buy an active fund which invests in shares, you'll usually pay a fee to the fund manager of about 75p-95p for every £100 you entrust to them. "}],"markDefs":[],"style":"normal"},{"_key":"dd074314f1cf","_type":"block","children":[{"_key":"e2405d675768","_type":"span","marks":[],"text":"What is a passive fund?"}],"markDefs":[],"style":"h3"},{"_key":"b9d2cd328e0c","_type":"block","children":[{"_key":"9da255300335","_type":"span","marks":[],"text":"Passive funds, on the other hand, are devoid of ego and opinion. They're the well-behaved end of the fund market. No one makes a call on whether Share A is better than Share B. They simply follow what we call an index - or a list of shares or bonds in any given market. They buy them in proportion to their size and no judgement calls are made. If you buy a passive fund which invests in shares, you'll usually pay a fee to the fund manager of about 8-12p for every £100 you entrust to them. It’s a lot cheaper because it’s run by a computer, rather than an expensive human. "}],"markDefs":[],"style":"normal"},{"_key":"365e8264db90","_type":"block","children":[{"_key":"faa5a312feb3","_type":"span","marks":[],"text":"How to decide between active vs passive funds"}],"markDefs":[],"style":"h3"},{"_key":"b8221aa671cb","_type":"block","children":[{"_key":"4799dbdc92b40","_type":"span","marks":[],"text":"There are pros and cons to each approach. Passive funds will tend to be cheaper and have performed well over much of the past decade as a result of strong performance from the technology giants (which form a large share of most capitalisation-weighted indices). However, they can have certain biases – the MSCI World has a 70%+ weighting to the US[2],  for example. Equally, bond indices can have higher weights in companies that have issued the most bonds – i.e. the most indebted. This can increase risk."}],"markDefs":[],"style":"normal"},{"_key":"611ac6f8c648","_type":"block","children":[{"_key":"d022771f72c90","_type":"span","marks":[],"text":"With active funds, there tends to be extremes. Some fund managers will be very successful and deliver better returns than the wider market, while others will find their analysis doesn’t pay off. Investors need to be willing to take a risk on the manager’s skill."}],"markDefs":[],"style":"normal"},{"_key":"c39c65e3ba8a","_type":"block","children":[{"_key":"3c62d7c5ecdd","_type":"span","marks":[],"text":"The jury is out on which is best, but passive funds will inherently return the average of any market. Some active funds will go further and smash it – but others will underperform and charge you for the privilege! So it depends on your risk appetite, among other things. Happy to sit back and copy what the markets do? Passive is for you. Want to leave it to the experts to crunch the numbers and try to outperform? Then try active.\n"}],"markDefs":[],"style":"normal"},{"_key":"ad85bfad7fcf","_type":"block","children":[{"_key":"3d022ec4e243","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"769a3bdcb210","_type":"emailSignupWidget","brazeSubscriptionGroupId":"80bb057b-016f-4c60-8fed-bc2199e56dc7","brazeSubscriptionRef":{"_ref":"75cfa314-bcb6-4835-9c3d-28febc21b8d6","_type":"reference"},"image":{"_type":"mainImage","alt":"Sign up here!"},"paragraphText":"Get the best-performing funds, market commentary and jargon free insight delivered straight to your inbox every month. Join our Fund Newsletter.\n","title":"Sign up here!"},{"_key":"9082b2e04f18","_type":"block","children":[{"_key":"eca87e721854","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ed19b6fc9ee","_type":"block","children":[{"_key":"0ee0c876052d","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"1fdae174a2eb","_type":"block","children":[{"_key":"4e62aed3fa81","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3aafc66da691","_type":"block","children":[{"_key":"7eacb7f07336","_type":"span","marks":[],"text":"[1] "},{"_key":"d5da36f05625","_type":"span","marks":["873e1e148fbf"],"text":"PwC, March 2024"}],"markDefs":[{"_key":"873e1e148fbf","_type":"internalLinkPick","blank":true,"reference":{"_ref":"145cfde5-0dfc-42d5-920b-0b191331e84e","_type":"reference"}}],"style":"normal"},{"_key":"303192e61fb6","_type":"block","children":[{"_key":"1928cb41e922","_type":"span","marks":[],"text":"[2] "},{"_key":"341d43b08b6b","_type":"span","marks":["a4f8efc4fe28"],"text":"MSCI, November 2024"}],"markDefs":[{"_key":"a4f8efc4fe28","_type":"internalLinkPick","blank":true,"reference":{"_ref":"b300e7f8-9ee8-475d-85f0-bcccebda9deb","_type":"reference"}}],"style":"normal"},{"_key":"49a0d84ddbed","_type":"block","children":[{"_key":"cae41be45c6b","_type":"span","marks":[],"text":"[3] "},{"_key":"653072da076b","_type":"span","marks":["d77d4f4a9a3d"],"text":"Trustnet, January 2023"}],"markDefs":[{"_key":"d77d4f4a9a3d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"39231df5-0e90-4b9c-abc7-f980c11317c9","_type":"reference"}}],"style":"normal"}],"categories":[{"_key":"1a989c0fd8ee","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"},{"_key":"761051b73014","_ref":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","_type":"reference"},{"_key":"89ab44c91dc9","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"}],"excerpt":[{"_key":"0c5edb6fe2c3","_type":"block","children":[{"_key":"e3cfba5e3d06","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. 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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! 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After all, there are tens of thousands of investment options out there, offered by a growing number of investment platforms. I think ready-made portfolios can be a good starting point. These are off-the-peg portfolios and offered by most investment platforms. They are ideal for people who don't want to spend their time handpicking funds and learning the ins and outs. They don't require you to make any decisions about what to invest in. The only questions you'll need to answer are about how much risk you are willing to take on."}],"markDefs":[],"style":"normal"}]},{"_key":"d1c8ce807752","_type":"block","children":[{"_key":"529ab8a31dcc","_type":"span","marks":[],"text":""},{"_key":"db928b2e64b8","_type":"mainAnchor","pageAnchor":{"_ref":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"reference"}},{"_key":"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. 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"}],"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. 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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. 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For those people investing with shorter time horizons - five years or so - or who don't have an appetite for alarming ups and downs, the low risk portfolios could be a good option. In theory, they should offer a smoother investment ride; they will make less over the long-term, but face less short-term volatility. Less than five years though and cash may be your best bet."}],"markDefs":[],"style":"normal"}]},{"_key":"82fedf2607f2","_type":"block","children":[{"_key":"8fd35a343b0f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2c835a525aea","_type":"block","children":[{"_key":"1ef87a462c1a0","_type":"span","marks":[],"text":"It’s also important to remember the very real risk of underestimating the impact of "},{"_key":"978d3055f439","_type":"span","marks":["1a8ada013d70"],"text":"inflation"},{"_key":"6d0cbd2e7e61","_type":"span","marks":[],"text":" on cash. Though it’s understandable to feel unsure and even nervous about investing your money, you could be locking yourself into losses if you leave your money in a current account or low interest savings account. Inflation will chew away at your pot over the longer-term and you could end up with savings that are worth considerably less than they were when you started. For example, if inflation is at 5% and you’re only earning 3% interest on your current account, then you’re actually losing 2% in real terms."}],"markDefs":[{"_key":"1a8ada013d70","_type":"glossaryPick","reference":{"_ref":"9d62b1af-7674-4f39-ba20-b0154d565241","_type":"reference"}}],"style":"normal"},{"_key":"7225e60d248d","_type":"block","children":[{"_key":"6b1ed8141a9d0","_type":"span","marks":[],"text":"For those aiming to save for five years or less, this is less of a concern, but the cumulative effect of inflation over periods longer than this could erode the value of your savings. So if you’re going to be investing for five years or more, for most people it’s generally worth considering investing to protect yourself against the corroding power of inflation."}],"markDefs":[],"style":"normal"},{"_key":"5d1fd8f05194","_type":"block","children":[{"_key":"07a69a2d5c5a0","_type":"span","marks":[],"text":"The table below is a very rough guide of how your investing timeframes can inform the level of risk that’s best for you – your ‘risk tolerance’. Of course, this is ultimately a personal decision and there are no guarantees when it comes to investing; your money can go up in value as well as down, no matter how ‘risky’ your investments are advertised to be. 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You pick your risk level, and the experts handle the rest - from choosing the investments to managing them over time. Great for beginners, time-poor professionals, or anyone who wants to invest without becoming a part-time fund manager!"}],"markDefs":[],"style":"normal"},{"_key":"2837ea39eec8","_type":"block","children":[{"_key":"cb14a1d4ec74","_type":"span","marks":[],"text":"💰 Expert-managed, but can be pricey"}],"markDefs":[],"style":"h3"},{"_key":"16d2f465f1dc","_type":"block","children":[{"_key":"bf2e454055a8","_type":"span","marks":[],"text":"These portfolios typically charge all-in fees of 0.5% to 1% a year, which covers the cost of managing your investments. Robo advisers tend to sit at the higher end of that range, but you’re paying for automation, ongoing rebalancing, and a plug-and-play experience. This might be worth it to you if you don’t want the admin, but not ideal if you're laser-focused on keeping your costs low."}],"markDefs":[],"style":"normal"},{"_key":"d2ec726a2de9","_type":"block","children":[{"_key":"c11f59c45cbb","_type":"span","marks":[],"text":"📊 Risk levels to suit your goals and timeframes"}],"markDefs":[],"style":"h3"},{"_key":"b16a7d8b9603","_type":"block","children":[{"_key":"3912219daa3f","_type":"span","marks":[],"text":"You can choose from portfolios labelled things like 'Cautious', 'Balanced', or 'Adventurous, depending on how comfortable you are with market ups and downs. 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This threshold will increase to 57 years old from 2028 and there's a good chance it will continue to rise to reflect an ageing population and similar changes to the State Pension age."}],"markDefs":[],"style":"normal"},{"_key":"7d59da91fec5","_type":"block","children":[{"_key":"30984b039238","_type":"span","marks":[],"text":"You can take up to 25% as a tax-free lump sum"}],"markDefs":[],"style":"h4"},{"_key":"c68a6e98d419","_type":"block","children":[{"_key":"1adeeec6638c","_type":"span","marks":[],"text":"As with most pension schemes, from the age of 55 onwards you can withdraw 25% of the value of your SIPP - up to a maximum of £268,275 - tax-free. 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SIPPs can accommodate either but it's crucial to check whether your chosen provider offers the route you want to take, as some are limited to only drawdown schemes or only annuities. 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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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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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For the 2026-27 tax year, the full New State Pension is £241.3 a week or £12,548 a year."}],"markDefs":[],"style":"normal"},{"_key":"d853eb36c9d0","_type":"block","children":[{"_key":"20d0c42ffe3d","_type":"span","marks":[],"text":"You must have paid NI contributions for a minimum of 10 years to qualify for any New State Pension and you must have 35 years of contributions to qualify for the full New State Pension."}],"markDefs":[],"style":"normal"},{"_key":"3addcfdf23b8","_type":"block","children":[{"_key":"4d8c1b68d2f8","_type":"span","marks":[],"text":"If you have fewer than the minimum number of 35 qualifying years of NI contributions, the amount of New State Pension you receive will be less than the full £232.25 a week."}],"markDefs":[],"style":"normal"},{"_key":"e22786b3848d","_type":"block","children":[{"_key":"a7133f414f6b","_type":"span","marks":[],"text":""},{"_key":"65554faee71b","_type":"mainAnchor","pageAnchor":{"_ref":"7293ea82-9217-4cdc-85f4-5bce05105700","_type":"reference"}},{"_key":"2f8fa2b440d3","_type":"span","marks":[],"text":"Basic State Pension"}],"markDefs":[],"style":"h3"},{"_key":"f5fe24f35ba4","_type":"block","children":[{"_key":"164562c21d600","_type":"span","marks":[],"text":"If you're a man born after 6 April 1945 and before 6 April 1951 or a woman born after 5 April 1950 and before 6 April 1953, you are entitled to the Basic State Pension. 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The Pensions Act 2014 legislated for occasional inquiries to assess \"whether the rules about pensionable age are appropriate\" and \"have regard to life expectancy\".[1]"}],"markDefs":[],"style":"normal"},{"_key":"a3f9a9a501dd","_type":"block","children":[{"_key":"db13f2a0a08f","_type":"span","marks":[],"text":"It stipulates the State Pension age must be informed by findings from two independent reports and consider \"linking State Pension age to life expectancy and the role of State Pension age in managing the long-term sustainability of the State Pension\".[2]"}],"markDefs":[],"style":"normal"},{"_key":"5a034e1fa5aa","_type":"block","children":[{"_key":"2a0c8fa62e2d","_type":"span","marks":[],"text":"State Pension age upcoming changes"}],"markDefs":[],"style":"h4"},{"_key":"310fcdb2180c","_type":"tableControl","rows":[{"_key":"f4c77c7c661d","_type":"row","cells":[{"_key":"00a7b5cb887d","_type":"cell","tableStyle":"W","value":[{"_key":"af9e7c1ed012","_type":"block","children":[{"_key":"cde5146f5ae5","_type":"span","marks":["strong"],"text":"Current State Pension Age"}],"markDefs":[],"style":"normal"}]},{"_key":"029e323f4c66","_type":"cell","tableStyle":"W","value":[{"_key":"51374614eff6","_type":"block","children":[{"_key":"c5fd7456a343","_type":"span","marks":["strong"],"text":"66"}],"markDefs":[],"style":"normal"}]}]},{"_key":"cd61fbf4eedd","_type":"row","cells":[{"_key":"c1f45f53a365","_type":"cell","tableStyle":"W","value":[{"_key":"482481cea5a6","_type":"block","children":[{"_key":"9236faa0ae3f","_type":"span","marks":[],"text":"From 2026-2028"}],"markDefs":[],"style":"normal"}]},{"_key":"43f36cf04ee9","_type":"cell","tableStyle":"W","value":[{"_key":"63b496d11f8b","_type":"block","children":[{"_key":"66b214d56073","_type":"span","marks":[],"text":"67"}],"markDefs":[],"style":"normal"}]}]},{"_key":"20ea92983f75","_type":"row","cells":[{"_key":"1821dedcb8b6","_type":"cell","value":[{"_key":"4e9ac1888beb","_type":"block","children":[{"_key":"765a8d39c639","_type":"span","marks":[],"text":"From 2044-2046"}],"markDefs":[],"style":"normal"}]},{"_key":"8acbb1c623c3","_type":"cell","tableStyle":"W","value":[{"_key":"5b8918a6ea9a","_type":"block","children":[{"_key":"b344198598ec","_type":"span","marks":[],"text":"68"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"ALL-W"},{"_key":"e0476deb53cc","_type":"block","children":[{"_key":"f3f5f520111c","_type":"span","marks":["em"],"text":"Source: Department for Work & Pensions, 2025."}],"markDefs":[],"style":"small"},{"_key":"033872bab760","_type":"block","children":[{"_key":"0b820edbdaff","_type":"span","marks":[],"text":""},{"_key":"b5308a81d4a5","_type":"mainAnchor","pageAnchor":{"_ref":"09680b41-2a83-4026-9fae-5dc08e5f6181","_type":"reference"}},{"_key":"9e64dc58ee19","_type":"span","marks":[],"text":"How much State Pension will I get?"}],"markDefs":[],"style":"h2"},{"_key":"c15259975d33","_type":"block","children":[{"_key":"988d814fb129","_type":"span","marks":[],"text":"To find out how much State Pension you may get and when you can get it, the GOV.UK website has a handy State Pension forecast which you can use. 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The good news is that you can pay to plug the gaps - by getting 'credits' – which you can use to top up your NI contributions and get yourself more State Pension."}],"markDefs":[],"style":"normal"},{"_key":"806325d8df69","_type":"block","children":[{"_key":"c005c2fd3bfc0","_type":"span","marks":[],"text":"Previously, individuals of a certain age were able to pay to fill gaps in their NI contribution record dating back to 2006 in exchange for more State Pension. This was eligible for men born after 5 April 1951 and women born after 5 April 1953. However, as at 6 April 2025, you can only plug gaps going back six tax years."}],"markDefs":[],"style":"normal"},{"_key":"da9f749ab845","_type":"block","children":[{"_key":"b7cfad9df32e","_type":"span","marks":[],"text":"Filling gaps in your NI record will cost you approximately £824 per year (partial years cost less). For each year you fill, you get an extra 1/35th of State Pension - which works out at around £342. This means you effectively earn your money back in around three years, so it can prove very good value."}],"markDefs":[],"style":"normal"},{"_key":"8cd4364db97f","_type":"block","children":[{"_key":"9239ee6a43750","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"56697684a825","_type":"block","children":[{"_key":"31341414c2ff","_type":"span","marks":["strong"],"text":"How can I top up my State Pension entitlement?"}],"markDefs":[],"style":"normal"}],"_key":"64df4e709838","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"7fb165cd-6350-4acf-853c-9020f0c1a257","_type":"reference"},"text":"FIND OUT"},{"_key":"acf529478d09","_type":"block","children":[{"_key":"159480505970","_type":"span","marks":[],"text":""},{"_key":"37f88c7d8f65","_type":"mainAnchor","pageAnchor":{"_ref":"cb0b2053-702d-4be6-bf0a-e0ceab6b047c","_type":"reference"}},{"_key":"3a3d0f262fd7","_type":"span","marks":[],"text":"Can I defer my State Pension?"}],"markDefs":[],"style":"h2"},{"_key":"8cff65f63c0a","_type":"block","children":[{"_key":"cef657a610ba","_type":"span","marks":[],"text":"You don't get your State Pension automatically - you have to claim it from the government. 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"}],"markDefs":[],"style":"normal"},{"_key":"7ec1c1bd7375","_type":"block","children":[{"_key":"2ea2e7115e55","_type":"span","marks":[],"text":"The government's MoneyHelper service has a great breakdown of how pensions work for self-employed people "},{"_key":"66b4762797ec","_type":"span","marks":["e4408cb38bde"],"text":"here"},{"_key":"ba5793ee7be3","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"e4408cb38bde","_type":"internalLinkPick","blank":true,"reference":{"_ref":"5f20efea-a891-4fb0-86af-5d55f29b4094","_type":"reference"}}],"style":"normal"},{"_key":"440c3b502bda","_type":"block","children":[{"_key":"cc46df665567","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"9f6b6ddfaef7","_type":"block","children":[{"_key":"4f5400914c82","_type":"span","marks":["strong"],"text":"Self-employed retirement tips: Top pension planning strategies"}],"markDefs":[],"style":"normal"}],"_key":"a9e10394854f","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"5775b807-ac97-4a04-8329-cb7734a2dbf9","_type":"reference"},"text":"READ MORE"},{"_key":"258a4c630c9c","_type":"block","children":[{"_key":"a4018b51b8a40","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"bcf37201964a","_type":"block","children":[{"_key":"70491d3dd0de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6a5441f4265e","_type":"block","children":[{"_key":"6d12e468e2df","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"be8a91e62ca6","_type":"block","children":[{"_key":"12394241aac1","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"c1bcbef06414","_type":"block","children":[{"_key":"0b983db2d8a7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"15dfd1fe514c","_type":"block","children":[{"_key":"12ddbc28d4c7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3ad611a543c0","_type":"block","children":[{"_key":"d003305d61bb","_type":"span","marks":["c05054648d51"],"text":"[1] Department for Work & Pensions, August 2025"}],"markDefs":[{"_key":"c05054648d51","_type":"internalLinkPick","blank":true,"reference":{"_ref":"fafbd3b6-6315-4636-9330-07d82be80ca5","_type":"reference"}}],"style":"normal"},{"_key":"f8790c237588","_type":"block","children":[{"_key":"d41b088b03b9","_type":"span","marks":["5b8890be315b"],"text":"[2] Department for Work & Pensions, August 2025"}],"markDefs":[{"_key":"5b8890be315b","_type":"internalLinkPick","blank":true,"reference":{"_ref":"fafbd3b6-6315-4636-9330-07d82be80ca5","_type":"reference"}}],"style":"normal"}],"brazeCustomAttributes":[{"_key":"ab4dc7ef3c7c","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_Article_Gated","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/state-pension/"}],"categories":[{"_key":"92f3bddfe459","_ref":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","_type":"reference"},{"_key":"950e4b769f8b","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"124cedb870dc","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"emailSignupWidgetButtonText":"SIGN UP","emailSignupWidgetImage":{"_type":"mainImage","alt":"Gated content"},"emailSignupWidgetParagraphText":"Join Boring Money for free today to make better money choices, whether using our guides, expert analysis, or comparison tools to find the best home for your money. 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Read our comprehensive guide."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"8082f61a2bf3","_type":"block","children":[{"_key":"d29336b353a0","_type":"span","marks":[],"text":"State Pension increases from April 2026 for those with sufficient National Insurance contributions."}],"markDefs":[],"style":"normal"},{"_key":"6188b5fae617","_type":"block","children":[{"_key":"b8a42b988830","_type":"span","marks":[],"text":"Many Britons unknowingly miss out due to gaps in their National Insurance records"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e306c77573b3","_type":"block","children":[{"_key":"d2bbf005fba1","_type":"span","marks":[],"text":"Readers will learn:"}],"markDefs":[],"style":"h3"},{"_key":"092c8e5ecebd","_type":"block","children":[{"_key":"1d13a0db95cb","_type":"span","marks":[],"text":"✅ How to check their State Pension forecast"}],"markDefs":[],"style":"normal"},{"_key":"eef47dcbeb99","_type":"block","children":[{"_key":"30d2a8b1d4cf","_type":"span","marks":[],"text":"🫙 Benefits of filling National Insurance gaps"}],"markDefs":[],"style":"normal"},{"_key":"793bdd050be7","_type":"block","children":[{"_key":"a51e41be6968","_type":"span","marks":[],"text":"Takeaways:"}],"markDefs":[],"style":"h3"},{"_key":"d37eec5e2c73","_type":"block","children":[{"_key":"5bd92cd232d7","_type":"span","marks":[],"text":"⬇️Missing contributions substantially reduce lifetime pension income"}],"markDefs":[],"style":"normal"},{"_key":"4e8028a9f67d","_type":"block","children":[{"_key":"a06c2fdfc5c0","_type":"span","marks":[],"text":"👔Special considerations for self-employed"}],"markDefs":[],"style":"normal"},{"_key":"d3a7f0f46436","_type":"block","children":[{"_key":"3794bbb3ba6a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7f0b055adfcc","_type":"block","children":[{"_key":"36a6abe9869a","_type":"span","marks":[],"text":"Understanding your personal National Insurance record is crucial. Those with career breaks, part-time work, or self-employment often have significant gaps."}],"markDefs":[],"style":"normal"},{"_key":"91d9f238b2af","_type":"block","children":[{"_key":"ce818e418b7d","_type":"span","marks":[],"text":"Our analysis shows incomplete contribution records result in considerably less income over retirement. 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This threshold will increase to 57 years old from 2028 and there's a good chance it will continue to rise to reflect an ageing population and similar changes to the State Pension age."}],"markDefs":[],"style":"normal"},{"_key":"7d59da91fec5","_type":"block","children":[{"_key":"30984b039238","_type":"span","marks":[],"text":"You can take up to 25% as a tax-free lump sum"}],"markDefs":[],"style":"h4"},{"_key":"c68a6e98d419","_type":"block","children":[{"_key":"1adeeec6638c","_type":"span","marks":[],"text":"As with most pension schemes, from the age of 55 onwards you can withdraw 25% of the value of your SIPP - up to a maximum of £268,275 - tax-free. 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It's best to check this "},{"_key":"cb1a3b0ee27f","_type":"span","marks":["em"],"text":"before"},{"_key":"04c8c80479d8","_type":"span","marks":[],"text":" you start saving into a SIPP so you don't end up having to make last-minute transfers in the run-up to retirement!"}],"markDefs":[{"_key":"0cb4416ebeef","_type":"internalLinkPick","reference":{"_ref":"30c293dd-a614-4253-a4c2-ed4b64cdd9ac","_type":"reference"}},{"_key":"58fcf70be682","_type":"internalLinkPick","reference":{"_ref":"18cc7a4b-b423-47ee-8759-5fa886b087d6","_type":"reference"}}],"style":"normal"},{"_key":"abdbbd3e1f3a","_type":"block","children":[{"_key":"6805c4c7eb35","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"4874100ec44d","_type":"block","children":[{"_key":"395616f61b23","_type":"span","marks":["strong"],"text":"Drawdown vs annuity: Which is best for you?"}],"markDefs":[],"style":"normal"}],"_key":"bfb143359578","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"79fcc0a0-e069-4ec5-b1ea-8a6a48d6fb5e","_type":"reference"},"text":"TELL ME"},{"_key":"954b38f4eb68","_type":"block","children":[{"_key":"df44ecfabb54","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7a3f253ff758","_type":"block","children":[{"_key":"1d01a10a74df","_type":"span","marks":[],"text":""},{"_key":"1efd08dfc6ff","_type":"mainAnchor","pageAnchor":{"_ref":"4fb202b7-6246-4faa-b97d-bee6f208d1d1","_type":"reference"}},{"_key":"2feb83c206cb","_type":"span","marks":[],"text":"Is a personal pension right for me?"}],"markDefs":[],"style":"h2"},{"_key":"2f12fd40cc34","_type":"block","children":[{"_key":"f3cd487d2612","_type":"span","marks":[],"text":"Is it a good idea for you to open a SIPP? 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Here's a run-down of the key pros and cons of SIPPs."}],"markDefs":[],"style":"normal"},{"_key":"0c037522a1a8","_type":"prosConsWidget","cons":["Already have a competitive workplace pension scheme","Will need the money before you're 55","Have expensive debt to pay off first"],"consTitle":"Bad if you","pros":["Can set aside money until you're 55","Are self-employed and want to save for retirement","Want more control over your retirement savings"],"prosTitle":"Good if you "},{"_key":"0d6ddf57ea97","_type":"block","children":[{"_key":"70d644c31f280","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"69e33702ca96","_type":"block","children":[{"_key":"4b6acec9bdeb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"61804af9c650","_type":"block","children":[{"_key":"1c2d94e2f4580","_type":"span","marks":["strong"],"text":"Discover three reasons why you should open a SIPP today"}],"markDefs":[],"style":"normal"}],"_key":"8e867e8ac8ca","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"fdb02161-4452-428f-b5f2-e2feca21222f","_type":"reference"},"text":"FIND OUT"},{"_key":"7780f35dead2","_type":"block","children":[{"_key":"fe7b2db8cfa5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4e0fa86f3d2d","_type":"block","children":[{"_key":"f206819400f2","_type":"span","marks":[],"text":""},{"_key":"a5170953afaf","_type":"mainAnchor","pageAnchor":{"_ref":"d5017282-7bc8-4433-bcd8-1bc15bc86641","_type":"reference"}},{"_key":"f7b926c31def2","_type":"span","marks":[],"text":"How much can I pay into a personal pension?"}],"markDefs":[],"style":"h2"},{"_key":"785d2edd23e3","_type":"block","children":[{"_key":"6a1c63cdf64e","_type":"span","marks":[],"text":"The maximum amount most people can pay into their pensions each tax year is typically £60,000 or 100% of their salary - whichever is lowest. 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You can ask your pension providers for details of how much you saved into each scheme if they’ve not already sent them to you, or "},{"_key":"82e4d00bb643","_type":"span","marks":["4f3274463f7a"],"text":"use the GOV.UK's annual allowance calculator"},{"_key":"b6ddd401a910","_type":"span","marks":[],"text":" to check if your pension savings are more than your annual allowance and if you have any unused allowance to carry forward."}],"markDefs":[{"_key":"4f3274463f7a","_type":"internalLinkPick","blank":true,"reference":{"_ref":"76e458a7-bd09-4c22-a673-587b0dcfe6eb","_type":"reference"}}],"style":"normal"},{"_key":"3a3641d24309","_type":"block","children":[{"_key":"b25777b185c10","_type":"span","marks":[],"text":"‏‏‎ ‎"}],"markDefs":[],"style":"normal"}]},{"_key":"d30bc8baf9c8","_type":"block","children":[{"_key":"7a6a42d7710b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e22e35f719c7","_type":"block","children":[{"_key":"193a193ee48d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"da83ea6289a1","_type":"block","children":[{"_key":"bd34a1d07939","_type":"span","marks":[],"text":"The rules for the annual allowance are slightly different for higher earners due to something called the \"tapered annual allowance\" - more on this next."}],"markDefs":[],"style":"normal"},{"_key":"a0507441c59e","_type":"block","children":[{"_key":"10a5090d21ca","_type":"span","marks":[],"text":"Rules for the highest earners"}],"markDefs":[],"style":"h4"},{"_key":"a119508cded0","_type":"block","children":[{"_key":"23f295966bdc0","_type":"span","marks":[],"text":"If you’re a higher earner, your annual allowance may be less than this thanks to something called the 'tapered annual allowance', which can reduce your allowance to as low as just £10,000 depending on how much you earn. "}],"markDefs":[],"style":"normal"},{"_key":"df831d7c3ec1","_type":"block","children":[{"_key":"ad27e48c5fea","_type":"span","marks":[],"text":"The tapered annual allowance affects individuals whose:"}],"markDefs":[],"style":"normal"},{"_key":"2bf193ea29e0","_type":"block","children":[{"_key":"32148a15cad70","_type":"span","marks":[],"text":"‘threshold income’ is above £200,000 "},{"_key":"6e33ff443e3e","_type":"span","marks":["em"],"text":"and;"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4ad29e2a2bb7","_type":"block","children":[{"_key":"3720e998380b","_type":"span","marks":[],"text":"‘adjusted income’ is above £260,000"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"96b3ce2b1d5a","_type":"block","children":[{"_key":"dc38b0facec7","_type":"span","marks":[],"text":"Threshold income does not include your pension contributions, while adjusted income does."}],"markDefs":[],"style":"normal"},{"_key":"ae65a0c4eaa6","_type":"block","children":[{"_key":"419a0f39373b0","_type":"span","marks":[],"text":"Those who meet the criteria above will see their annual allowance gradually reduce by £1 for every £2 of ‘adjusted income’ above £260,000. For example, if your adjusted income was £270,000, your annual allowance would be reduced to £55,000. This is because, as you're £10,000 over the adjusted income threshold of £260,000, your annual allowance is reduced by £5,000 - taking it down to £55,000."}],"markDefs":[],"style":"normal"},{"_key":"834676a2335b","_type":"block","children":[{"_key":"7832ee5ff26b","_type":"span","marks":[],"text":"The tapering stops at £360,000, preserving a minimum of at least £10,000 for even the very highest earners."}],"markDefs":[],"style":"normal"},{"_key":"daaddabeb093","_type":"block","children":[{"_key":"35a1465ca04a0","_type":"span","marks":[],"text":"Until 5 April 2024, there had also previously been a lifetime pension allowance which was capped at just over £1 million. This has since been abolished to allow individuals to save more into their pension - as long as you stick to your relevant annual allowance for each tax year."}],"markDefs":[],"style":"normal"},{"_key":"159d4e71bb7e","_type":"block","children":[{"_key":"b0807c766c61","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1b31853e858e","_type":"block","children":[{"_key":"13ed06d5fd92","_type":"span","marks":[],"text":""},{"_key":"664c356d126c","_type":"mainAnchor","pageAnchor":{"_ref":"e87611f7-5f1e-4039-8a16-99b71d40b0de","_type":"reference"}},{"_key":"0d7ece435554","_type":"span","marks":[],"text":"What can I put in my personal pension?"}],"markDefs":[],"style":"h2"},{"_key":"e959c16f4109","_type":"block","children":[{"_key":"1dd576ced2530","_type":"span","marks":[],"text":"One of the main benefits of a SIPP is the amount of control it gives you over what to invest your retirement savings in. You can choose what you like! 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Different providers will have different combinations and ranges of investments to choose from. "}],"markDefs":[],"style":"normal"},{"_key":"6eb377a17d43","_type":"block","children":[{"_key":"136113527399","_type":"span","marks":[],"text":"For example, the exceedingly popular provider "},{"_key":"05d5d4a6eef3","_type":"span","marks":["237ddcfe1985"],"text":"Vanguard"},{"_key":"7c0fcf2bc4dc","_type":"span","marks":[],"text":" offers around 85 in-house funds and ETFs (but no access to individual shares), whereas "},{"_key":"60aa7db1920f","_type":"span","marks":["6c6bd0271ce8"],"text":"Fidelity"},{"_key":"85309ded4eef","_type":"span","marks":[],"text":" has a much wider range stretching into the thousands with a choice of funds, ETFs, investment trusts and shares. Both were winners of our coveted "},{"_key":"1bb0b0f3b43b","_type":"span","marks":["d8290dd4ae22"],"text":"Best Buy Pension award"},{"_key":"f91333e68322","_type":"span","marks":[],"text":" in 2025."}],"markDefs":[{"_key":"237ddcfe1985","_type":"internalLinkPick","reference":{"_ref":"040a1837-41f8-40f7-aa2a-67f13dff3e28","_type":"reference"}},{"_key":"6c6bd0271ce8","_type":"internalLinkPick","reference":{"_ref":"6b9c10a5-2223-4a20-98fb-55323cda4a35","_type":"reference"}},{"_key":"d8290dd4ae22","_type":"internalLinkPick","reference":{"_ref":"41b7c255-2a4e-415c-bc4e-74bc27a97f1e","_type":"reference"}}],"style":"normal"},{"_key":"a6a13aaf1e52","_type":"block","children":[{"_key":"d0828c5018d8","_type":"span","marks":[],"text":"Confident investors"}],"markDefs":[],"style":"h4"},{"_key":"66e3d4ebb58f","_type":"block","children":[{"_key":"ef5f60ad7e2f0","_type":"span","marks":[],"text":"When it comes to what to put in your SIPP, more confident savers may prefer to choose their own range of individual "},{"_key":"4f4b2e313950","_type":"span","marks":["03227fb6d8b6"],"text":"shares"},{"_key":"46973f83f2a3","_type":"span","marks":[],"text":", but we wouldn’t typically suggest this route for the newer or less confident investor."}],"markDefs":[{"_key":"03227fb6d8b6","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}}],"style":"normal"},{"_key":"ae8693377528","_type":"block","children":[{"_key":"925bf5fc3575","_type":"span","marks":[],"text":"Intermediate investors"}],"markDefs":[],"style":"h4"},{"_key":"511689fd50f5","_type":"block","children":[{"_key":"fb65c7af30ce","_type":"span","marks":[],"text":"If you're reasonably confident when it comes to investing, you know what you want and don't mind handling some of the decisions yourself, selecting a decent-sized range of "},{"_key":"cda1838f9d28","_type":"span","marks":["7d48bf1e1468"],"text":"funds"},{"_key":"6a01878f5a2a","_type":"span","marks":[],"text":" - say, 8 to 12 - should suffice."}],"markDefs":[{"_key":"7d48bf1e1468","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"dc8e4b42709b","_type":"block","children":[{"_key":"4eec2d815e82","_type":"span","marks":[],"text":"Beginner investors"}],"markDefs":[],"style":"h4"},{"_key":"0606026b2bcc","_type":"block","children":[{"_key":"348d2002a5ef0","_type":"span","marks":[],"text":"And if you don’t want to research a pool of funds and you aren’t sure what to do, consider a "},{"_key":"b05db35ca1a1","_type":"span","marks":["b70bc2f1cd4b"],"text":"ready-made investment"},{"_key":"a8e333f86971","_type":"span","marks":[],"text":". This is a great way to start for the less confident investor who would prefer to have all the difficult decision-making handled for you."}],"markDefs":[{"_key":"b70bc2f1cd4b","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"6ac0bfb047a9","_type":"block","children":[{"_key":"f96bd3c6eab5","_type":"span","marks":[],"text":""},{"_key":"b4b2a500811e","_type":"mainAnchor","pageAnchor":{"_ref":"cbf710fc-0661-47c8-b9c5-b0c5315d37b1","_type":"reference"}},{"_key":"dfac1679452e","_type":"span","marks":[],"text":"How much does a personal pension cost?"}],"markDefs":[],"style":"h2"},{"_key":"c56016f0cd43","_type":"block","children":[{"_key":"432fb9ca16c0","_type":"span","marks":[],"text":"There are three basic elements to the cost of having and running a SIPP account. These typically include:"}],"markDefs":[],"style":"normal"},{"_key":"d3dea964ce4b","_type":"block","children":[{"_key":"f0c8a51c9cd3","_type":"span","marks":["strong"],"text":"Admin fees: "},{"_key":"b0f9dfd3d87c","_type":"span","marks":[],"text":"The annual administration fee for providing the pension - this will usually be between 0.35% and 0.5% each year and will be levied by the company you open up the account with."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"040f23a1e4d1","_type":"block","children":[{"_key":"3da1063e39ab","_type":"span","marks":["strong"],"text":"Dealing charges:"},{"_key":"653447385695","_type":"span","marks":[],"text":" The fees charged when you buy or sell funds or shares. It’s normally about a tenner to buy a share and buying funds is usually less or free."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"157061d0c482","_type":"block","children":[{"_key":"f573a3f84539","_type":"span","marks":["strong"],"text":"Fund management fees:"},{"_key":"fa2f200939a0","_type":"span","marks":[],"text":" The annual charge from the fund manager for managing your investments. This will apply if you buy managed funds inside your pension, which is typically the case. This is usually about 0.75% every year."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a00e7156f141","_type":"block","children":[{"_key":"23fe9ccb048c","_type":"span","marks":[],"text":"Most people wonder why it can’t just be bundled together as a single and simple fee, but the UK financial services regulator - the FCA - has been clear that it wants people to know what they are paying for the different parts of the overall service."}],"markDefs":[],"style":"normal"},{"_key":"034a23f191a8","_type":"block","children":[{"_key":"064cba8435f0","_type":"span","marks":[],"text":"All in, most people should not be paying more than about 1.3% a year. So that's £13 on every £1,000 invested. The biggest variable will be the charges on the underlying investments within your SIPP, and these will vary depending on what you choose - from lower-cost options like ETFs to higher-cost assets like investment trusts."}],"markDefs":[],"style":"normal"},{"_key":"d94993d414f8","_type":"block","children":[{"_key":"b1591a97a5b7","_type":"span","marks":[],"text":"This is one of the main reasons why it's key to shop around before you select your SIPP provider, to make sure you get the best value for money for what you want. If you're looking for the lowest-cost SIPP providers on the market, check out the winners of our Best Low-cost SIPP awards for portfolios under and over £50,000."}],"markDefs":[],"style":"normal"},{"_key":"c5cf40b9836e","_type":"block","children":[{"_key":"a5e35b930792","_type":"span","marks":["72c3566dfce5"],"text":"Best Low-cost Pension <£50k"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"72c3566dfce5","_type":"internalLinkPick","reference":{"_ref":"6b117d65-8d5f-4b41-ab76-72ad931731a5","_type":"reference"}}],"style":"normal"},{"_key":"c7dccf052b60","_type":"block","children":[{"_key":"ba4e18a8c7f2","_type":"span","marks":["a434d0a08e6f"],"text":"Best Low-cost Pension >£50k"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"a434d0a08e6f","_type":"internalLinkPick","reference":{"_ref":"4c448256-d916-44ed-991f-5a9d5c44c109","_type":"reference"}}],"style":"normal"},{"_key":"e5b680b04d0a","_type":"block","children":[{"_key":"c57a7380ef56","_type":"span","marks":[],"text":""},{"_key":"f4ab1769aacd","_type":"mainAnchor","pageAnchor":{"_ref":"db41d03a-ca09-42cc-bb7e-ee782c820ab7","_type":"reference"}},{"_key":"1dfbf7351126","_type":"span","marks":[],"text":"Choose a personal pension"}],"markDefs":[],"style":"h2"},{"_key":"5f50e98a869a","_type":"block","children":[{"_key":"1e3ce253efd2","_type":"span","marks":[],"text":"If you've decided to open a SIPP, there are dozens of providers to choose from and this can make it tricky to see the wood for the trees. 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Head over to our Pension comparison table to browse the market, see the winners of our exclusive Best Buy Pension awards and read what real customers think!"}],"markDefs":[],"style":"normal"},{"_key":"d0b28553fe3b","_type":"block","children":[{"_key":"251aa70216c2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"97e8b9d16f6d","_type":"block","children":[{"_key":"e630b63666de","_type":"span","marks":["strong"],"text":"Find the right SIPP for you"}],"markDefs":[],"style":"normal"}],"_key":"cda4a2bdf0e6","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"8f8d5255-8476-4e70-b08c-449f90bec96e","_type":"reference"},"text":"START"}],"categories":[{"_key":"30ca9d3bebc5","_ref":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","_type":"reference"},{"_key":"cbabf4cf6329","_ref":"da38ee48-4ccb-4632-aed4-fae6aeb77b8c","_type":"reference"},{"_key":"752a82eb1b0c","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"9da2cc8e22d7","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"excerpt":[{"_key":"d521965209f3","_type":"block","children":[{"_key":"88cba16c7576","_type":"span","marks":[],"text":"What is the Self Invested Personal Pension? How much should you be saving? Read Boring Money's no-nonsense guide here."}],"markDefs":[],"style":"normal"}],"linkMenu":[{"_key":"2f6b3d74ef19","_ref":"978a6c25-b2ab-4b98-9b65-f12f1943b545","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":"Personal Pension (SIPP)","asset":{"_ref":"image-cbd2d1cdd18def0fb12f1900af65930f3b6e2136-3840x2160-png","_type":"reference"}},"pageBreadcrumb":{"_ref":"9e007abe-6383-4877-8078-a2d14ab92452","_type":"reference"},"publishedAt":"2024-09-16T08:36:07.692Z","slug":{"_type":"slug","current":"private-pension"},"subfolder":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"template":"SB-C","title":"SIPPs Made Simple: How to Invest for Retirement with More Control","widgets":[{"_key":"49d603b7b4cb","_ref":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","_type":"reference"},{"_key":"ec40ae780f26","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-a043db2d-5437-537b-b71e-eefcff2659fc","children":[],"parent":null}}],"style":"normal"},{"_key":"a606444c9abb","_type":"block","children":[{"_key":"0c809cb32bc00","_type":"span","marks":[],"text":"Workplace pension ownership has grown to new heights over the last decade. In particular, the introduction of Auto-Enrolment (AE) in 2012 has driven a significant increase in workplace scheme participation, with the Office for National Statistics (ONS) reporting that private sector enrolment more than doubled between 2012 and 2021 from 32% to 79%.[1]"}],"markDefs":[],"style":"normal"},{"_key":"e61c594d2229","_type":"block","children":[{"_key":"6d307a4369e4","_type":"span","marks":[],"text":"When asked about their pension arrangements, a recent Boring Money survey found that 51% of non-retired UK adults state they hold a pension with a current employer and 37% hold a pension arranged by a previous employer. Altogether this equates to workplace pension ownership of 66% amongst non-retired individuals.[2]"}],"markDefs":[],"style":"normal"},{"_key":"c02978839d1d","_type":"block","children":[{"_key":"25a245500ac4","_type":"span","marks":[],"text":"Thanks to AE, there is a legislative requirement for all employers to automatically enrol eligible employees into a workplace pension scheme. Eligible employees are defined as UK employees who:"}],"markDefs":[],"style":"normal"},{"_key":"c5427a7210fe","_type":"block","children":[{"_key":"fd6316449c72","_type":"span","marks":[],"text":"✅ Are aged between 22 and the State Pension age (SPa)"}],"markDefs":[],"style":"normal"},{"_key":"fa02351b30b2","_type":"block","children":[{"_key":"197f1a6a4760","_type":"span","marks":[],"text":"✅ Earn above the AE Earnings Trigger (ET) of £10,000 per year"}],"markDefs":[],"style":"normal"},{"_key":"62f231077e0a","_type":"block","children":[{"_key":"0447e7a08b3c","_type":"span","marks":[],"text":""},{"_key":"57ffa0e5dc42","_type":"mainAnchor","pageAnchor":{"_id":"25ba1888-fb46-4a9b-ae31-d7a26b41e8c9","_type":"anchorCategory","_rev":"fOXmxJGqzHEpoSXHAflC64","_createdAt":"2024-08-19T11:30:12Z","_updatedAt":"2024-08-19T11:30:12Z","AnchorName":"howdoworkplacepensioncontributionswork","id":"-b956ca7a-5758-5cb8-a09e-b14d2c4c6338","children":[],"parent":null}},{"_key":"8056abdbdc7f","_type":"span","marks":[],"text":"How do workplace pension contributions work?"}],"markDefs":[],"style":"h2"},{"_key":"b1612e0ade3e","_type":"block","children":[{"_key":"94c3f046a352","_type":"span","marks":[],"text":"AE stipulates that employers must pay in a minimum of 3% of the employee's pre-tax earnings into their pot. This is just a lower limit and many workplaces will offer more than this. Employees typically pay in 5% of their pre-tax earnings, although this can be lowered or increased at your discretion."}],"markDefs":[],"style":"normal"},{"_key":"9f1fe17a5cfb","_type":"block","children":[{"_key":"4956e33aaf80","_type":"span","marks":[],"text":"If you’re already paying into a workplace pension today, you should check if you’re maxing out your employer contributions. Especially if your employer is willing to match your contributions or pay more into your existing pot. 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":"7f144e995d2a","_type":"block","children":[{"_key":"5ae75cc39a32","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3d4e532c607f","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"7d9ce4c64590","_type":"block","children":[{"_key":"f1258fa63d7c","_type":"span","marks":[],"text":"💡 Bonus tip: Consider salary sacrifice to reduce tax liability"}],"markDefs":[],"style":"h4"},{"_key":"48ba3a13fbb7","_type":"block","children":[{"_key":"5fea39474cdd","_type":"span","marks":[],"text":"If your employer offers salary sacrifice, it can make your contributions even more tax-efficient. This involves giving up a portion of your usual salary to be siphoned into your pension instead. For those on the cusp of higher Income Tax thresholds, this can reduce your overall taxable income and keep your tax bill at a lower rate."}],"markDefs":[],"style":"normal"},{"_key":"780909a87ed0","_type":"block","children":[{"_key":"846431f08a2b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"15f8abbd901f","_type":"block","children":[{"_key":"849c46108955","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"74797e04c5d8","_type":"block","children":[{"_key":"7c70d23372a5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"92618c57cc66","_type":"block","children":[{"_key":"2cf85d8ac468","_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":"101283a68c9e","_type":"block","children":[{"_key":"8908980194dd","_type":"span","marks":[],"text":""},{"_key":"854222c9f00a","_type":"mainAnchor","pageAnchor":{"_id":"3a1ba0ac-3a8f-4922-98ff-6ff63c95fc46","_type":"anchorCategory","_rev":"PzAqlhIqMJXbbkyDFM8TqJ","_createdAt":"2024-08-19T11:30:52Z","_updatedAt":"2024-08-19T11:30:52Z","AnchorName":"workplacepensioncontributionsexplained","id":"-862cd29a-168d-52ad-af4e-767d00599946","children":[],"parent":null}},{"_key":"6e108a7a2bfc","_type":"span","marks":[],"text":"Workplace pension contributions explained"}],"markDefs":[],"style":"h3"},{"_key":"b9489dcf5c38","_type":"tableControl","rows":[{"_key":"d28ca5c3760c","_type":"row","cells":[{"_key":"96ee4934c73c","_type":"cell","tableStyle":"LB","value":[{"_key":"c0d2a5644e75","_type":"block","children":[{"_key":"b3ef0bd2386c","_type":"span","marks":["strong"],"text":"Employer minimum contribution"}],"markDefs":[],"style":"normal"}]},{"_key":"43aee05ef10e","_type":"cell","tableStyle":"LB","value":[{"_key":"3a7a393191bc","_type":"block","children":[{"_key":"c8f2468622f3","_type":"span","marks":["strong"],"text":"Employee contribution"}],"markDefs":[],"style":"normal"}]},{"_key":"25ea283f2856","_type":"cell","tableStyle":"LB","value":[{"_key":"12501fbee993","_type":"block","children":[{"_key":"6a0accb2c7970","_type":"span","marks":["strong"],"text":"Total contributions"}],"markDefs":[],"style":"normal"}]}]},{"_key":"e23cb67f6e94","_type":"row","cells":[{"_key":"eefd6be643a9","_type":"cell","tableStyle":"W","value":[{"_key":"1b757c1e4371","_type":"block","children":[{"_key":"529ed6d14a420","_type":"span","marks":[],"text":"3%"}],"markDefs":[],"style":"normal"}]},{"_key":"aced01a57672","_type":"cell","tableStyle":"W","value":[{"_key":"e9256a8b1092","_type":"block","children":[{"_key":"c86f899aad99","_type":"span","marks":[],"text":"5%"}],"markDefs":[],"style":"normal"}]},{"_key":"0383a0eac3c8","_type":"cell","tableStyle":"W","value":[{"_key":"8d07cc607a79","_type":"block","children":[{"_key":"7afe0bbd63f3","_type":"span","marks":[],"text":"8%"}],"markDefs":[],"style":"normal"}]}]}]},{"_key":"d173b171fed9","_type":"block","children":[{"_key":"56646e213a6d","_type":"span","marks":["em"],"text":"This example is for illustrative purposes only. The exact terms of your workplace pension scheme may differ."}],"markDefs":[],"style":"small"},{"_key":"86ccc1ec1e77","_type":"block","children":[{"_key":"62d6f9d10127","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"55035826ab6e","_type":"block","children":[{"_key":"b2ed72c09909","_type":"span","marks":[],"text":"This is, remember, just the legal minimum in the UK and many pension schemes will allow either you, your employer, or both of you to contribute more. Some employers will match your contributions up to a certain amount - for example, 10%."}],"markDefs":[],"style":"normal"},{"_key":"64ab177b1b2c","_type":"block","children":[{"_key":"2a1d616d84b3","_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, for example."}],"markDefs":[],"style":"normal"},{"_key":"190e7313d8b9","_type":"block","children":[{"_key":"26184cb81297","_type":"span","marks":[],"text":""},{"_key":"9ef10eeec27f","_type":"mainAnchor","pageAnchor":{"_id":"04e432a9-70cc-4a1b-ac8f-9009fd2336eb","_type":"anchorCategory","_rev":"KFoCquxukHGiHxEi2wU1Kx","_createdAt":"2025-07-21T08:28:38Z","_updatedAt":"2025-07-21T08:28:42Z","AnchorName":"definedbenefit","id":"-6b26fed9-0adb-51fe-a5c6-828e50fb9db2","children":[],"parent":null}},{"_key":"752566688187","_type":"span","marks":[],"text":"What is a defined benefit pension?"}],"markDefs":[],"style":"h2"},{"_key":"3d76f9735a76","_type":"block","children":[{"_key":"c5830a088336","_type":"span","marks":[],"text":"Some employees have a different type of pension called a \"defined benefit\" (DB) - or \"final salary\" - scheme. "}],"markDefs":[],"style":"normal"},{"_key":"f3cf2bc7a2eb","_type":"block","children":[{"_key":"9401a9fdc5dc","_type":"span","marks":[],"text":"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":"68db9f33fef0","_type":"block","children":[{"_key":"115c15d127da","_type":"span","marks":[],"text":"DB pensions continue to diminish in popularity for new generations - just 21% of 45-54 year olds say that their main pension is a DB pension, in comparison to 42% of those retired and between the ages of 55-70.[3]"}],"markDefs":[],"style":"normal"},{"_key":"4d00b3498d14","_type":"block","children":[{"_key":"1fcca85aabaa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"83e7662956c7","_type":"textboxWidget","text":[{"_key":"1f5f93426bc6","_type":"block","children":[{"_key":"7fae09468947","_type":"span","marks":[],"text":"⚠️ Rules for DB pensions differ"}],"markDefs":[],"style":"h4"},{"_key":"2cf9d1ce75e2","_type":"block","children":[{"_key":"f68009e78097","_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. These pensions tend to differ on a case-by-case basis so it's especially important to review your paperwork and "},{"_key":"a5076b893130","_type":"span","marks":["b4d7fbf835a8"],"text":"get professional advice "},{"_key":"f14c2f6660e8","_type":"span","marks":[],"text":"before making any decisions."}],"markDefs":[{"_key":"b4d7fbf835a8","_type":"internalLinkPick","reference":{"_ref":"63a19438-721c-4042-b811-f8f2af951e0e","_type":"reference"}}],"style":"normal"}]},{"_key":"121c6ca47087","_type":"block","children":[{"_key":"a3faa70e6403","_type":"span","marks":[],"text":""},{"_key":"49dbcbd51038","_type":"mainAnchor","pageAnchor":{"_id":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"anchorCategory","_rev":"ODNfCktAVb7SalDSehtwPa","_createdAt":"2023-11-30T13:26:23Z","_updatedAt":"2023-11-30T13:26:23Z","AnchorName":"topquestions","id":"-b3ad1f9b-f6b3-5caa-9a13-513a50e090fe","children":[],"parent":null}},{"_key":"e4afd7431b7c","_type":"span","marks":[],"text":"Top questions on workplace pensions"}],"markDefs":[],"style":"h2"},{"_key":"ed83db8b3c8d","_type":"block","children":[{"_key":"6d54c3f1608f","_type":"span","marks":[],"text":""},{"_key":"2078df1954c8","_type":"mainAnchor","pageAnchor":{"_id":"5e94267a-4b9b-41c5-b01a-df7754578582","_type":"anchorCategory","_rev":"laB1T1w6nlujOwHiibI4F4","_createdAt":"2025-07-17T11:37:28Z","_updatedAt":"2025-07-17T11:37:32Z","AnchorName":"howmuchshouldiputinmypension","id":"-5cdf094d-e16a-5900-9e9c-1ca5650aa450","children":[],"parent":null}},{"_key":"8f109a4336a4","_type":"span","marks":[],"text":"How much should I be paying into my pension?"}],"markDefs":[],"style":"h3"},{"_key":"eeecbd4d8788","_type":"block","children":[{"_key":"0605ddbaaee2","_type":"span","marks":[],"text":"There are a number of different suggestions of the ideal amount to be putting towards your retirement every year. Here are some popular examples you may hear from finance experts:"}],"markDefs":[],"style":"normal"},{"_key":"1d7b72dc9d0f","_type":"block","children":[{"_key":"4f981a1b5b9c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"158b894e1ff2","_type":"dropdownWidget","items":[{"_key":"f7139636fc07","_type":"dropdownObject","text":[{"_key":"792cd5a6ef20","_type":"block","children":[{"_key":"9a0cf6b11ba4","_type":"span","marks":[],"text":"This retirement-saving method is fairly self-explanatory. Take your age and then half it. This is the amount of your pre-tax income you should be putting into your pension pot (this includes workplace pensions as well as any personal pension savings). So if you're 50 years old, you should be putting away a total of 25% of your pre-tax income towards your retirement."}],"markDefs":[],"style":"normal"}],"title":"‘Half your age'"},{"_key":"7e38a5972842","_type":"dropdownObject","text":[{"_key":"fc0bfa30f2c2","_type":"block","children":[{"_key":"3ce213cd684f","_type":"span","marks":[],"text":"Alternatively, a different approach is to put aside 15% of your pre-tax income (again, including both workplace and any personal pensions) into your retirement savings every year. So if your pre-tax income is £60,000, you should aim to put away a total of £9,000 towards your retirement each year."}],"markDefs":[],"style":"normal"}],"title":"The 15% rule"},{"_key":"84ab90da2301","_type":"dropdownObject","text":[{"_key":"008d3426d987","_type":"block","children":[{"_key":"7afe3f52866b","_type":"span","marks":[],"text":"Finally, another retirement saving rule of thumb is to save up 10 times your average salary by the time you reach State Pension age (currently 67). To stay on track, this is further broken down into the following milestones: "}],"markDefs":[],"style":"normal"},{"_key":"815bcfb960ab","_type":"block","children":[{"_key":"7f146a109eb1","_type":"span","marks":[],"text":"1x your salary by 30"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"605d53ba59ad","_type":"block","children":[{"_key":"605f94092a2e","_type":"span","marks":[],"text":"3x your salary by 40"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d7d465e3d329","_type":"block","children":[{"_key":"9c0a847e28df","_type":"span","marks":[],"text":"6x your salary by 50"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7888958727dc","_type":"block","children":[{"_key":"92936fbd24fe","_type":"span","marks":[],"text":"8x your salary by 60"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"714aca391431","_type":"block","children":[{"_key":"1cf95ed05c9d","_type":"span","marks":[],"text":"10x your salary by 67"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"654310c94708","_type":"block","children":[{"_key":"4f15d565dd6f","_type":"span","marks":[],"text":"So if you're currently 50 years old and your salary is £42,000, you should ideally have around £252,000 saved up for retirement purposes."}],"markDefs":[],"style":"normal"}],"title":"10x your salary"}]},{"_key":"e1fc9c35a82e","_type":"block","children":[{"_key":"b2f89bf96d12","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e7ea419f7b15","_type":"block","children":[{"_key":"a22ce05f0863","_type":"span","marks":[],"text":"The reality is that everyone's approach to saving for retirement will be different and life gets in the way sometimes. You may be willing to be frugal for a few years to increase your contributions, while at other times, large or unexpected expenses may crop up and force you to streamline your saving strategy."}],"markDefs":[],"style":"normal"},{"_key":"fa1526f28a79","_type":"block","children":[{"_key":"1e65b13b5161","_type":"span","marks":[],"text":"In any case, if you're in the position to contribute more to your workplace pension, it's a good idea to do so. Remember as well as the employer contributions and government tax relief, you'll also benefit from the snowball effect as your pot grows over time. "}],"markDefs":[],"style":"normal"},{"_key":"f1860b9c51ee","_type":"block","children":[{"_key":"7ca8acd0847d","_type":"span","marks":[],"text":"Consider maximising your own contributions and having a discussion about how much your employer would be willing to put in."}],"markDefs":[],"style":"normal"},{"_key":"89cdb2c3568c","_type":"block","children":[{"_key":"c857cd4181f1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"17da5e0679ce","_type":"block","children":[{"_key":"d53be8e49afd","_type":"span","marks":[],"text":""},{"_key":"0a4584dc939f","_type":"mainAnchor","pageAnchor":{"_id":"b1ece18e-7254-4d54-b995-3e80fb35ba59","_type":"anchorCategory","_rev":"yp1Kb8xoZtebDK5NNgsfE6","_createdAt":"2025-07-17T11:38:17Z","_updatedAt":"2025-07-17T11:38:20Z","AnchorName":"whatismypensioninvestedin","id":"-484cc8de-90ff-524d-bada-320fcfdeec14","children":[],"parent":null}},{"_key":"9681c7fbc059","_type":"span","marks":[],"text":"What is my pension actually invested in?"}],"markDefs":[],"style":"h3"},{"_key":"b7caae102cf4","_type":"block","children":[{"_key":"700bdda6d3ca","_type":"span","marks":[],"text":"Your pension contributions are usually invested in a default scheme chosen by your employer’s pension provider. This arrangement will typically have underlying funds within it."}],"markDefs":[],"style":"normal"},{"_key":"bc11bc4cace7","_type":"block","children":[{"_key":"3d71d29b88ca","_type":"span","marks":[],"text":"These funds are usually "},{"_key":"84699812bda4","_type":"span","marks":["71f8d109180d"],"text":"diversified"},{"_key":"c5469904a43b","_type":"span","marks":[],"text":" - meaning your money is spread across shares, bonds, and other assets to spread "},{"_key":"9ed9d1303854","_type":"span","marks":["0ea5ffc97324"],"text":"risk"},{"_key":"000a272f2b06","_type":"span","marks":[],"text":". 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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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trusts"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"6cf0634b52cc","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}},{"_key":"aa7e1918e3fc","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}},{"_key":"84721b33c79c","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"982614bc184e","_type":"block","children":[{"_key":"3056c5772a6f","_type":"span","marks":[],"text":"Typically riskier than cash (especially if you only invest in a select 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 below."}],"markDefs":[],"style":"normal"},{"_key":"e9683ef541ea","_type":"block","children":[{"_key":"a4dd9b2bd85a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"996bf6bc4056","_type":"mainVideo","url":"https://vimeo.com/781082178"},{"_key":"14b6f2a99aeb","_type":"block","children":[{"_key":"ab9ca93ca293","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"331e2da9213a","_type":"block","children":[{"_key":"4c988b950ac7","_type":"span","marks":[],"text":"\nInvesting, at the heart of it, is about putting your money into businesses you believe have the potential to grow. This is where shares come in. They let us own a small slice of a company, so if they do well, so do we. And if they flop, we lose money."}],"markDefs":[],"style":"normal"},{"_key":"a0e51805f65c","_type":"block","children":[{"_key":"1d694591f0bd0","_type":"span","marks":[],"text":"Also known as stocks, or equities, shares exist to enable companies to raise money to fund their activity and growth. Individuals or companies buy shares, and give that company some money in return for ownership of a small piece of that business."}],"markDefs":[],"style":"normal"},{"_key":"059b41aceadf","_type":"block","children":[{"_key":"e2ce0bb15dbb0","_type":"span","marks":[],"text":"The thought process behind buying a share is no more complicated than what you see on Dragon's Den. You're the dragon trying to work out if you should invest in the company or not. But buying a single share can actually be a risky way to access the stock market. Why? Well, you're putting all your eggs in one basket."}],"markDefs":[],"style":"normal"},{"_key":"406e204d28d3","_type":"block","children":[{"_key":"8fe730591b110","_type":"span","marks":[],"text":"We spoke to a lady who was horrified that she bought M&S shares and they went down. \"I mean, it was M&S! They're really busy!\" Just because it's a big brand which looks safe and solid, doesn't necessarily mean they're making decent profits that year or tracking to plan. "}],"markDefs":[],"style":"normal"},{"_key":"a8166423face","_type":"block","children":[{"_key":"fb63eec8d60f","_type":"span","marks":[],"text":""},{"_key":"47a7d68d0f5b","_type":"mainAnchor","pageAnchor":{"_ref":"418e4e74-c858-4625-9d7a-8c06f7c6e4ad","_type":"reference"}},{"_key":"758bdfebe7ed","_type":"span","marks":[],"text":"Are shares right for me?"}],"markDefs":[],"style":"h2"},{"_key":"0deb8561d20a","_type":"block","children":[{"_key":"c181c818cb3f","_type":"span","marks":[],"text":"15% of UK adults own shares [1], but they're not the right sort of investment for everyone - especially if you're low on time or looking for an easy way to put your money behind several companies. Here's an overview of some of the main pros and cons of shares."}],"markDefs":[],"style":"normal"},{"_key":"db9f89042c3f","_type":"prosConsWidget","cons":["Want a global mix of investments ","Are time poor ","Will only choose 2 or 3!"],"consTitle":"Bad if you ","pros":["Actively follow the markets","Want to be in charge","Have time to dedicate to this "],"prosTitle":"Good if you "},{"_key":"c3a7ffeffbb7","_type":"block","children":[{"_key":"271a51c12db2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5b2ffecea1c4","_type":"block","children":[{"_key":"05c92c04fca2","_type":"span","marks":[],"text":""},{"_key":"4bc185b25eec","_type":"mainAnchor","pageAnchor":{"_ref":"126f92a2-61db-45bc-9444-4172007cc99b","_type":"reference"}},{"_key":"41d53cf47ed5","_type":"span","marks":[],"text":"Cash vs shares"}],"markDefs":[],"style":"h2"},{"_key":"bd1126eb98eb","_type":"block","children":[{"_key":"0612752e8969","_type":"span","marks":["strong"],"text":"If you had put £10,000 away in 2015, what would it be worth by the end of September 2025?"}],"markDefs":[]},{"_key":"a5368c85fe2c","_type":"block","children":[{"_key":"da32cdb4e3ce","_type":"span","marks":[],"text":"The graph below shows you a recent example of how cash has performed compared to stock market shares. For the purposes of this illustration, we've looked at the growth of a single £10,000 lump sum investment in cash and in two stock market indices: the "},{"_key":"c79b9014dcc5","_type":"span","marks":["4b175e3b60cd"],"text":"FTSE 100"},{"_key":"31e14e27f0b1","_type":"span","marks":[],"text":" and "},{"_key":"fa15bb1b35a8","_type":"span","marks":["ccbe1340ca9f"],"text":"MSCI World"},{"_key":"5e096fa1dd9d","_type":"span","marks":[],"text":" (you can read more about these below the image)."}],"markDefs":[{"_key":"4b175e3b60cd","_type":"glossaryPick","reference":{"_ref":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"reference"}},{"_key":"ccbe1340ca9f","_type":"glossaryPick","reference":{"_ref":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"reference"}}],"style":"normal"},{"_key":"a8cf71d02792","_type":"block","children":[{"_key":"d84597919bbd","_type":"span","marks":[],"text":"It's clear to see that leaving your money in cash (pink) led to significantly less growth over the period between 2015-2025 than if you had invested in stock markets. And although the British FTSE 100 Index (blue) didn't perform quite as well as MSCI World (green), it still climbed to £2,182 - compared to gains of just £1,180 from cash over the same time period. Of course, these numbers look measly compared to MSCI World's impressive £3,348 gain."}],"markDefs":[],"style":"normal"},{"_key":"eacbefb8908a","_type":"block","children":[{"_key":"7186a99d615e","_type":"span","marks":[],"text":"NB: The dip you can see after Q4 2019 reflects the start of the COVID-19 pandemic and subsequent global lockdowns."}],"markDefs":[],"style":"normal"},{"_key":"b33adb272cf6","_type":"frameWidget","href":"https://www.canva.com/design/DAG7OFE42_c/V25AjrWXM8szDDn7pZL9bg/view?embed"},{"_key":"9898bcddeff8","_type":"block","children":[{"_key":"2f05e2427ec8","_type":"span","marks":["em"],"text":"Source: FE FundInfo. "}],"markDefs":[],"style":"small"},{"_key":"906d1a3db60a","_type":"block","children":[{"_key":"b29deef19a8e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d745e25d9983","_type":"block","children":[{"_key":"d611edb2ae67","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"adb9f4083d5c","_type":"block","children":[{"_key":"22374dbfb4fe","_type":"span","marks":[],"text":""},{"_key":"c07bbbc35194","_type":"mainAnchor","pageAnchor":{"_ref":"223c3cb3-164a-4144-b7ec-60a049133752","_type":"reference"}},{"_key":"91a17272db40","_type":"span","marks":[],"text":"Will shares outperform cash in the next 10 years?"}],"markDefs":[],"style":"h2"},{"_key":"15bd2c48638c","_type":"block","children":[{"_key":"d367b10febfa","_type":"span","marks":[],"text":"Just like the weather, it's impossible to predict what the future holds. All we can do is show what has happened in the past. Shares are a bumpier ride than cash – and not a short-term thing. Anyone who says they can guarantee you'll make money is probably lying. There are risks. But research tells us that shares have done better than cash 9 times out of 10 over any 10 year period since the stock markets began."}],"markDefs":[],"style":"normal"},{"_key":"e51d6e72bf95","_type":"block","children":[{"_key":"9b843e253e7f0","_type":"span","marks":[],"text":"You buy and sell them on the stock market and, just like eBay, people make bids and offers. But it all happens super fast. Prices bounce up and down and at the end of the day it all comes down to sentiment – if loads of people want a slice of the action and these things are flavour of the month (think Nintendo after Pokemon Go), then prices rise as the sellers get a bit cockier. If people get turned off and the share in question is uncool, then everyone tries to offload them and the asking price falls."}],"markDefs":[],"style":"normal"},{"_key":"2c5c408f7745","_type":"block","children":[{"_key":"5517dd075cf1","_type":"span","marks":[],"text":"Curious about what's got investors' interest this week? Catch up with Holly's award-winning blog every Friday for the low-down on what's going on in stock markets, how it could impact your finances, and some no-nonsense food for thought to help you make better money choices."}],"markDefs":[],"style":"normal"},{"_key":"f73008bb0852","_type":"block","children":[{"_key":"1330f0821be2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2ce8804a8fc7","_type":"emailSignupWidget","brazeCustomAttributes":[{"_key":"8b471fe69932","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_blog","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/shares/"}],"emailSignupWidgetButtonText":"SIGN UP","image":{"_type":"mainImage","alt":"Image of Boring Money CEO Holly Mackay","asset":{"_ref":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png","_type":"reference"}},"paragraphText":"Sign up for no-nonsense tips, tricks and food for thought every Friday!","thankYouText":[{"_key":"ee1425e50c90","_type":"block","children":[{"_key":"03c4926a2d3f","_type":"span","marks":[],"text":"Thank you for signing up!"}],"markDefs":[],"style":"normal"}],"title":"Want to get Holly's weekly blog straight to your inbox?"},{"_key":"b2dea6276185","_type":"block","children":[{"_key":"023c64412ca5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"28d3689c637a","_type":"block","children":[{"_key":"76733dfbfc45","_type":"span","marks":[],"text":""},{"_key":"0a9998a15f58","_type":"mainAnchor","pageAnchor":{"_ref":"b51797d9-dc13-41da-a375-b898f0a9e850","_type":"reference"}},{"_key":"0c127d60e2f30","_type":"span","marks":[],"text":"How can I buy shares?"}],"markDefs":[],"style":"h2"},{"_key":"104c6e83ed38","_type":"block","children":[{"_key":"c60e50ec6f020","_type":"span","marks":[],"text":"Rather than going to companies directly and asking to buy a share of their business, we access shares through a central market otherwise known as the Stock Exchange. Companies will 'list' on the Stock Exchange, which means anyone can buy or sell a share."}],"markDefs":[],"style":"normal"},{"_key":"6b952a371b27","_type":"block","children":[{"_key":"c96caa808e100","_type":"span","marks":[],"text":"The Stock Exchange can be accessed through online investment platforms, many of which are beginner-friendly. These platforms allow you to purchase a small percentage of some of the world's largest companies - this ranges from BP to HSBC, Apple to Samsung, and Microsoft to British Airways."}],"markDefs":[],"style":"normal"},{"_key":"22300cbe9ed3","_type":"block","children":[{"_key":"7a5c50542b870","_type":"span","marks":[],"text":"You can either buy individual shares directly - through an online broker or an investment platform - or purchase a fund in order to get exposure to dozens of shares in one fell swoop. If you're new to investing and don't know where to start, check out our hand-selected Best For Beginners award winners to see which providers we think are the best starting point."}],"markDefs":[],"style":"normal"},{"_key":"6edb4bdd89cb","_type":"block","children":[{"_key":"b8900097f7ce","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best For Beginners award winners "}],"markDefs":[],"style":"normal"}],"_key":"61821a40134b","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"b5821c35-fa71-43c3-8f89-cc7b29ad9030","_type":"reference"},"text":"CLICK HERE"},{"_key":"adc43eba0539","_type":"block","children":[{"_key":"fa3bf0ee3f7a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ea21677253e9","_type":"block","children":[{"_key":"67c0573a3e1a","_type":"span","marks":[],"text":""},{"_key":"d6fc0adcefb5","_type":"mainAnchor","pageAnchor":{"_ref":"81ce9ca2-c137-4518-a387-0704343a7403","_type":"reference"}},{"_key":"a3c5345fe75c0","_type":"span","marks":[],"text":"Buying bulk shares through a fund"}],"markDefs":[],"style":"h3"},{"_key":"e398386f79e3","_type":"block","children":[{"_key":"87b61ebbd9e70","_type":"span","marks":[],"text":"The concept of buying shares through a "},{"_key":"5d2b30ca7f3e","_type":"span","marks":["69d28fa112e1"],"text":"fund"},{"_key":"b1c54b0016d7","_type":"span","marks":[],"text":" is similar to buying a mixed case of wine. You don't have time to pick individual bottles, or you don't want the responsibility of choosing the best, so you let it be done for you. You're outsourcing the selection of individual components to someone else."}],"markDefs":[{"_key":"69d28fa112e1","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"338dc4e1da41","_type":"block","children":[{"_key":"a6c6dd0980fc0","_type":"span","marks":[],"text":"A single fund will usually house around 30-60 shares. Whilst someone else may have invested £1,000 into an individual share, a very small percentage of your £1,000 may be invested in the same company. If that business then takes a hit, you won't be so badly affected - the majority of your money is invested elsewhere. Basically, you are spreading your bets for security."}],"markDefs":[],"style":"normal"},{"_key":"ed31383984b8","_type":"block","children":[{"_key":"db372dca686d0","_type":"span","marks":[],"text":"When investing through a fund, you are unlikely to have to pay trading or transaction fees. You will, however, encounter management fees throughout the duration of your investment. If you want to buy a few shares or a fund, then it's usually best to open up an account online and use your annual tax-free "},{"_key":"299e331da67d","_type":"span","marks":["3b82ca551e01"],"text":"ISA"},{"_key":"3e0755bd3239","_type":"span","marks":[],"text":" allowance if you can."}],"markDefs":[{"_key":"3b82ca551e01","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"},{"_key":"84839ede04c6","_type":"block","children":[{"_key":"3f2cb72aaf06","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best Buy ISAs for your investing needs"}],"markDefs":[],"style":"normal"}],"_key":"ac4d4573cacf","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"5027ed98-4e53-4e94-8fc1-9d370b15dd5c","_type":"reference"},"text":"CLICK HERE"},{"_key":"92e08f9b828e","_type":"block","children":[{"_key":"d1d42ee1879b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dc479e2b8db6","_type":"block","children":[{"_key":"7222f974db16","_type":"span","marks":[],"text":""},{"_key":"399f39b611a8","_type":"mainAnchor","pageAnchor":{"_ref":"bd7d91db-0143-49c9-b079-df3872327a31","_type":"reference"}},{"_key":"a6579f69575f0","_type":"span","marks":[],"text":"Buying individual shares directly"}],"markDefs":[],"style":"h3"},{"_key":"b3155957d51f","_type":"block","children":[{"_key":"a1c8070511b00","_type":"span","marks":[],"text":"When buying individual shares directly, you will encounter trading costs. You will typically encounter about £10 a pop, and 0.5% stamp duty to the government. This can accumulate to become an expensive way of buying small shares. The upside is that after initial purchase, you will not have to pay management fees as you would have with a fund - there's nothing to manage."}],"markDefs":[],"style":"normal"},{"_key":"19188e074c4d","_type":"block","children":[{"_key":"3edc6186140b0","_type":"span","marks":[],"text":"Buying a couple of individual shares is a risky way to get exposure to the markets - especially for less experienced investors. You have all of your investment tied into one or two businesses. If it goes badly for them, you're in trouble."}],"markDefs":[],"style":"normal"},{"_key":"c1ea16d293cf","_type":"block","children":[{"_key":"a0d9ca4cc8680","_type":"span","marks":[],"text":"This method is good for people who like to take an interest in the market, are time-rich, and confident to make decisions themselves. Shares are not so good if you are busy, don’t feel expert in this subject, or will only pick shares in companies you know and love."}],"markDefs":[],"style":"normal"},{"_key":"14b7bafe231d","_type":"block","children":[{"_key":"784213c5029c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best For Share Traders award winners"}],"markDefs":[],"style":"normal"}],"_key":"9141a0d45cf4","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"2d69df37-02bf-43eb-aed4-2624da81fbf6","_type":"reference"},"text":"CLICK HERE"},{"_key":"3135ea061a1a","_type":"block","children":[{"_key":"2d049f7f9571","_type":"span","marks":[],"text":"------"}],"markDefs":[],"style":"normal"},{"_key":"e4ce4c0148b1","_type":"block","children":[{"_key":"03f7ad822c7e","_type":"span","marks":[],"text":"[1] Online Investing Report, "},{"_key":"ec4be879d4a9","_type":"span","marks":["8cee69180130"],"text":"Boring Money "}],"markDefs":[{"_key":"8cee69180130","_type":"internalLinkPick","reference":{"_ref":"63b42a1b-dc9a-40bb-8a62-f580487de19e","_type":"reference"}}],"style":"normal"}],"categories":[{"_key":"171e98dc55ea","_ref":"9338f25b-7551-48c3-afff-03e9bc5608c3","_type":"reference"},{"_key":"912294bd8e37","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"0551e4791b33","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"},{"_key":"1287b6c4ce2e","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"excerpt":[{"_key":"947232828c12","_type":"block","children":[{"_key":"dd7bb8ce2ec7","_type":"span","marks":[],"text":"Shares simply let us own a small slice of a company. If they do well, so do we. If they flop, we lose money. 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Sustainable funds have underperformed the market in recent years"}],"markDefs":[],"style":"h3"},{"_key":"8f251ee54e55","_type":"block","children":[{"_key":"33e275b8500b","_type":"span","marks":[],"text":"Sustainable funds lagged their conventional peers in total returns in 2024, with Morgan Stanley reporting median returns of just 0.4% in H2, compared to traditional funds’ 1.7%.[1] However, the same report emphasises that sustainable funds actually drummed up better returns over a longer period:"}],"markDefs":[],"style":"normal"},{"_key":"1cd355817f00","_type":"block","children":[{"_key":"9d17c932e056","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c562a77b9653","_type":"blockQuote","adviserName":"Morgan Stanley","jobTitle":"March 2025","photo":{"_type":"mainImage","blankAltTag":true},"quote":[{"_key":"2a98245cfbcf","_type":"block","children":[{"_key":"b0e5699c5651","_type":"span","marks":[],"text":"Over a longer period, sustainable funds have outperformed traditional funds. Institute analysis of Morningstar data found that investing a hypothetical $100 into a sustainable fund in December 2018 would equate to $136 today, while investing $100 into a traditional fund over the same period would equate to $131 today."}],"markDefs":[],"style":"normal"}]},{"_key":"4695aa23f262","_type":"block","children":[{"_key":"382d28547a90","_type":"span","marks":[],"text":"2. Companies with good ESG scores often have lower borrowing costs"}],"markDefs":[],"style":"h3"},{"_key":"20a73b1324c2","_type":"block","children":[{"_key":"95ab69ed4df50","_type":"span","marks":[],"text":"This is because as the Governance standard - one of the main pillars of ESG - is “known to reduce a firm's default risk, which directly impacts its cost of debt”.[2]"}],"markDefs":[],"style":"normal"},{"_key":"10e280bcd6d6","_type":"block","children":[{"_key":"bd69c3b0c9fe","_type":"span","marks":[],"text":"3. 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[3]"}],"markDefs":[],"style":"normal"},{"_key":"0e6692d5322c","_type":"block","children":[{"_key":"12f8576f17f7","_type":"span","marks":[],"text":""},{"_key":"e970c3ed4014","_type":"mainAnchor","pageAnchor":{"_ref":"bc557b4c-2d9c-452a-8c75-9ee58efaeb76","_type":"reference"}},{"_key":"6ccd7aeeaa3f0","_type":"span","marks":[],"text":"Can you make money investing sustainably?"}],"markDefs":[],"style":"h2"},{"_key":"060df401877c","_type":"block","children":[{"_key":"bf66f31b97150","_type":"span","marks":[],"text":"Let's tackle the elephant in the room - returns."}],"markDefs":[],"style":"normal"},{"_key":"44daeb04f8b1","_type":"block","children":[{"_key":"017281fcfed30","_type":"span","marks":[],"text":"The short answer:"}],"markDefs":[],"style":"h4"},{"_key":"04034ebdb70d","_type":"block","children":[{"_key":"de8662c3d1450","_type":"span","marks":[],"text":"You can. But just like any way, shape or form of investing, your capital is not guaranteed, and you could end up losing money as well as making it. Sustainable investing is no different."}],"markDefs":[],"style":"normal"},{"_key":"76b611ea71d9","_type":"block","children":[{"_key":"f03639ab358e0","_type":"span","marks":[],"text":"The longer answer:"}],"markDefs":[],"style":"h4"},{"_key":"c02b93387f6f","_type":"block","children":[{"_key":"fce235678aec0","_type":"span","marks":[],"text":"Many sustainable stocks and funds perform just as well as traditional ones. Some even do better. Think about it - companies that plan for climate change and treat their workers well are often better prepared for the future. They're less likely to get hit with massive fines or face worker strikes."}],"markDefs":[],"style":"normal"},{"_key":"fac65e409a9d","_type":"block","children":[{"_key":"106c3b832df6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"37fc07ea960a","_type":"blockQuote","adviserLink":{"_ref":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","_type":"reference"},"adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","alt":"Holly Mackay on sustainable investing","asset":{"_ref":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png","_type":"reference"},"blankAltTag":true},"quote":[{"_key":"cd140ab30663","_type":"block","children":[{"_key":"2a38a7486fa9","_type":"span","marks":[],"text":"Once upon a time, investing 'sustainably' used to mean we’d typically make a bit less money. Back in the 1980s, oil and cigarette firms were powerful money-making machines. However today it’s a different story."}],"markDefs":[],"style":"normal"},{"_key":"fa7658dc8f79","_type":"block","children":[{"_key":"f9e8198741a8","_type":"span","marks":[],"text":"Although short-term political events cause havoc with oil prices (we’re talking Russia’s invasion of the Ukraine here, for example), if we look longer-term, there is a wall of policy-fuelled money backing climate transition. "}],"markDefs":[],"style":"normal"},{"_key":"2b99441ed389","_type":"block","children":[{"_key":"ca766a125289","_type":"span","marks":[],"text":"Large companies have seen the risks of treating workforces poorly, and shoddy corporate governance has brought down some major companies. So ESG-factors are powerful financial drivers."}],"markDefs":[],"style":"normal"}]},{"_key":"ca49a31af9d0","_type":"block","children":[{"_key":"a7a02ba9dee6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"703eba4f1c32","_type":"block","children":[{"_key":"1863ee56879f0","_type":"span","marks":[],"text":"Equally, sustainable stocks or funds can actually leave you more vulnerable to price volatility, as they may have exposure to younger, less established companies or ones operating in less developed countries. It really depends on exactly what you’re investing in."}],"markDefs":[],"style":"normal"},{"_key":"b18555054a30","_type":"block","children":[{"_key":"5b73740b90fd","_type":"span","marks":[],"text":""},{"_key":"5428b1275953","_type":"mainAnchor","pageAnchor":{"_ref":"4d792b1a-0a71-4341-aa8b-b90f7917e7ac","_type":"reference"}},{"_key":"76fd92b64a76","_type":"span","marks":[],"text":"Sustainable vs non-sustainable equities performance"}],"markDefs":[],"style":"h3"},{"_key":"1eb90a6883d0","_type":"block","children":[{"_key":"7fbb1fe6d1f9","_type":"span","marks":[],"text":"The graph below shows the performance of a single £1,000 investment in a global sustainable-focused equity index compared to a comparable non-sustainable equity index - the MSCI ACWI Sustainable Development versus the MSCI ACWI - from 2020 to present."}],"markDefs":[],"style":"normal"},{"_key":"0aaae6f3bd8b","_type":"block","children":[{"_key":"7bebbf9f6515","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"76ea56fc7efe","_type":"frameWidget","href":"https://www.canva.com/design/DAGrdSjorCU/7miEu3nr8h1esn8dt3mQiA/view?embed"},{"_key":"0da7299346b2","_type":"block","children":[{"_key":"d32625eca01f","_type":"span","marks":["em"],"text":"Source: FE FundInfo. Correct as at June 2025."}],"markDefs":[],"style":"small"},{"_key":"18397e171599","_type":"block","children":[{"_key":"15b22d2209e0","_type":"span","marks":[],"text":""},{"_key":"74cf99708481","_type":"mainAnchor","pageAnchor":{"_ref":"5cf9eb6b-3103-496e-9fd8-6533a7b6bf3b","_type":"reference"}},{"_key":"54d3d3212d0b0","_type":"span","marks":[],"text":"What to watch out for with sustainable investing"}],"markDefs":[],"style":"h2"},{"_key":"e40d0522263b","_type":"block","children":[{"_key":"2a7b37a67e820","_type":"span","marks":[],"text":"Sustainable investing is still a developing area and for many will be a new or unfamiliar concept. There are some things worth bearing in mind if it’s your first time incorporating a little green into your portfolio, so here are two issues to be aware of:"}],"markDefs":[],"style":"normal"},{"_key":"9e078321de0f","_type":"block","children":[{"_key":"b986df763bfe","_type":"span","marks":[],"text":""},{"_key":"59c034088bce","_type":"mainAnchor","pageAnchor":{"_ref":"2dd75c3f-ef53-4477-8b4e-ad9502cd5d5b","_type":"reference"}},{"_key":"1d6b118744780","_type":"span","marks":[],"text":"🚩 Greenwashing"}],"markDefs":[],"style":"h3"},{"_key":"b27550744c59","_type":"block","children":[{"_key":"98bd6fbedb6f0","_type":"span","marks":[],"text":"“Greenwashing” is the term given to when companies pretend to be more sustainable or ethical than they really are. Like putting a plant on your logo and calling yourself eco-friendly with nothing to back up your claim."}],"markDefs":[],"style":"normal"},{"_key":"ae7f5104de40","_type":"block","children":[{"_key":"cf7f64ea11f4","_type":"span","marks":[],"text":"This can be a big concern if you’re passionate about matching your money to your morals. In fact, Boring Money’s "},{"_key":"e3c28b70f3ad","_type":"span","marks":["em"],"text":"Sustainable Investing Report 2024"},{"_key":"6f8ee1603100","_type":"span","marks":[],"text":" found that greenwashing was the top barrier to sustainable investing for over 20% of UK investors.[4]"}],"markDefs":[],"style":"normal"},{"_key":"e2ba0d94bd05","_type":"block","children":[{"_key":"ba57bcbfa53a","_type":"span","marks":[],"text":"Spotting a company that’s genuinely greenwashing is easier said than done, however. And there are two different types - intentional and unintentional - Morningstar’s Global Head of Sustainability Research Hortense Bioy explains."}],"markDefs":[],"style":"normal"},{"_key":"4bb09555494d","_type":"block","children":[{"_key":"4501d1f75821","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"338b82ea03bb","_type":"blockQuote","adviserName":"Hortense Bioy","jobTitle":"Global Head of Sustainability Research, Morningstar","photo":{"_type":"mainImage","alt":"Hortense Bioy quote on greenwashing"},"quote":[{"_key":"946413fc3aca","_type":"block","children":[{"_key":"d9ad57cae6b8","_type":"span","marks":[],"text":"There is intentional greenwashing, which is when asset managers over-claim and over-sell what they’re actually providing. And this type of greenwashing is clearly problematic, and corrosive to long-term trust and credibility."}],"markDefs":[],"style":"normal"},{"_key":"55af2894f930","_type":"block","children":[{"_key":"d748dec83522","_type":"span","marks":[],"text":"And there is another form of greenwashing that often comes down to an expectations gap between investors and asset managers. So, here, there is no real intention from the asset manager to over-state the green characteristics of a product, but the investor expects more – because there is no common definition of “green”, the investor has a certain idea of what green should look like - without realising sometimes that it is not practical or in his best interest.[5]"}],"markDefs":[],"style":"normal"}]},{"_key":"043d4fa88d16","_type":"block","children":[{"_key":"17993e8b6127","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c509efae5c5b","_type":"block","children":[{"_key":"7b6c50e4d538","_type":"span","marks":[],"text":"So what can an investor do to make sure they aren’t being misled – intentionally or otherwise? 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First, an investor needs to look beyond a fund’s name or label and understand what the fund’s objective is: What does the fund aim to do? Is it a fund that aims to invest in companies with lower ESG risk? Does it aim to invest in companies that offer solutions to the world’s biggest challenges? Does the fund claim to have some sort of impact?"}],"markDefs":[],"style":"normal"},{"_key":"786bf1afaf87","_type":"block","children":[{"_key":"8caadcc22366","_type":"span","marks":[],"text":"Then, the fund’s claims need to be tested. An investor needs to look under the hood, look at the fund’s holdings and their ESG characteristics. Many funds with a climate theme don’t actually invest only in green companies. They may invest in so-called “transition” companies. These are companies that today don’t necessarily have good green credentials, they may even have exposure to fossil fuels, but these companies have the intention and plans to improve their environmental profile. An investor must feel comfortable with this type of companies.[6]"}],"markDefs":[],"style":"normal"}]},{"_key":"2208dbe75c7a","_type":"block","children":[{"_key":"181ae0c1b8440","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"fd3307376bc6","_type":"block","children":[{"_key":"7459cb6e8cdc0","_type":"span","marks":[],"text":"Morningstar and other research organisations publish ESG and sustainability metrics which can be helpful for those who want to dig under the bonnet of their investments. Morningstar’s Sustainability Ratings can be a good place to start – you can read about how these work and how you can find them at the link below."}],"markDefs":[],"style":"normal"},{"_key":"e5bd0a58137c","_type":"block","children":[{"_key":"7d3e78c81983","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"0afe4332b598","_type":"block","children":[{"_key":"6add14b133dc","_type":"span","marks":["strong"],"text":"The Morningstar Sustainability Rating: How it works"}],"markDefs":[],"style":"normal"}],"_key":"5ac8a5ee0274","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"reference":{"_ref":"e3908cac-7c74-47ca-acea-fe81bc2d6f0a","_type":"reference"},"text":"TELL ME"},{"_key":"968d5c7dd816","_type":"block","children":[{"_key":"f290954d55aa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5c6892521317","_type":"block","children":[{"_key":"4bba1480c738","_type":"span","marks":[],"text":""},{"_key":"2caab10819fb","_type":"mainAnchor","pageAnchor":{"_ref":"44ce5657-2d4e-4f12-b5b0-f962120b22ea","_type":"reference"}},{"_key":"08d8f26a28ba0","_type":"span","marks":[],"text":"🚩 Higher fees"}],"markDefs":[],"style":"h3"},{"_key":"a53659d41042","_type":"block","children":[{"_key":"02a2386075490","_type":"span","marks":[],"text":"Greenwashing aside, there is also the possibility that you could end up paying more in fees for sustainable funds. 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Let's dig in."}],"markDefs":[{"_key":"5b4ac0bc8b5d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"b0b2bbbd-947c-4d51-a530-b9df87b312f6","_type":"reference"}},{"_key":"9731861028fa","_type":"internalLinkPick","blank":true,"reference":{"_ref":"d3d3d8cf-0246-4b4f-aae6-1b2b4f8c9814","_type":"reference"}},{"_key":"143aa7ecd3c2","_type":"internalLinkPick","reference":{"_ref":"87abe83e-9c56-4028-a5cb-b77ffc3ab8eb","_type":"reference"}},{"_key":"df0c40b24481","_type":"internalLinkPick","blank":false,"reference":{"_ref":"face6df6-b6da-494d-9a91-58d6aa664b02","_type":"reference"}}],"style":"normal"},{"_key":"3e2107b6cf62","_type":"block","children":[{"_key":"71367552e91c","_type":"span","marks":[],"text":""},{"_key":"87c68d4c8ac5","_type":"mainAnchor","pageAnchor":{"_ref":"8335643a-a17e-4755-9b9e-a4ef690070a0","_type":"reference"}},{"_key":"5d7d419e8bd5","_type":"span","marks":[],"text":"What is pension consolidation?"}],"markDefs":[],"style":"h2"},{"_key":"c9402b56d17c","_type":"block","children":[{"_key":"36d05cf656220","_type":"span","marks":[],"text":"Pension consolidation is when you combine several different pensions together into a single pot. Many people have lost or forgotten about pensions from previous jobs, or you may just have quite a few that you’re aware of but find it hard to keep track of them all separately."}],"markDefs":[],"style":"normal"},{"_key":"7411810636bb","_type":"block","children":[{"_key":"4fcc1d7fa9ad0","_type":"span","marks":[],"text":"There are millions of people in the UK who are juggling multiple pensions. 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Your pension savings can be worth an awful lot of money – the average 55 to 64-year-old has £127,000 in their pot – so it makes sense that you want to consider all your options and think carefully before committing to moving anything around."}],"markDefs":[],"style":"normal"},{"_key":"97ff41a0e07a","_type":"block","children":[{"_key":"4eed0582c8d1","_type":"span","marks":[],"text":""},{"_key":"64cc2cd5a4dd","_type":"mainAnchor","pageAnchor":{"_ref":"6c3c6936-ec79-4484-8ba5-9ae806311449","_type":"reference"}},{"_key":"cf60111be1760","_type":"span","marks":[],"text":"It’s more convenient"}],"markDefs":[],"style":"h3"},{"_key":"4be123c3b881","_type":"block","children":[{"_key":"d866364121cd0","_type":"span","marks":[],"text":"Obviously, managing a single pension is bound to be easier than managing several pensions. Combining them can make it easier to keep track of how much you’re saving and review the performance of your investments over time. 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It also makes things easier and quicker when it’s time to start taking from your pension savings, so if pension "},{"_key":"dd4d6efd3379","_type":"span","marks":["8a8d1658a5c7"],"text":"drawdown"},{"_key":"131dbe961d6d","_type":"span","marks":[],"text":" looks like the route you’re going to take, consolidation is a bit of a no-brainer."}],"markDefs":[{"_key":"8a8d1658a5c7","_type":"internalLinkPick","reference":{"_ref":"30c293dd-a614-4253-a4c2-ed4b64cdd9ac","_type":"reference"}}],"style":"normal"},{"_key":"aefe6e253c7b","_type":"block","children":[{"_key":"4ebd4958cc98","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"74c77803268f","_type":"blockQuote","adviserName":"Matthew Spence","jobTitle":"Director, Spence Financial","photo":{"_type":"mainImage","alt":"Matthew Spence on why pension consolidation can help with convenience","asset":{"_ref":"image-04d60b552a98c4118da59ad469e30bcd8d30a556-2924x3249-png","_type":"reference"}},"quote":[{"_key":"0c11fa66d399","_type":"block","children":[{"_key":"1e431bddfce0","_type":"span","marks":[],"text":"Consolidating your pension can offer advantages like a streamlined structure, potential fee reduction, simplified monitoring of retirement savings, and estate planning convenience."}],"markDefs":[],"style":"normal"}]},{"_key":"df43c225e547","_type":"block","children":[{"_key":"fabc9b214f1d","_type":"span","marks":[],"text":""},{"_key":"364031eca9de","_type":"mainAnchor","pageAnchor":{"_ref":"45bbb343-d45e-488a-a1f8-9e3a5bd79bfb","_type":"reference"}},{"_key":"379bcf849cdf0","_type":"span","marks":[],"text":"Could save you money"}],"markDefs":[],"style":"h3"},{"_key":"6b36cf755d28","_type":"block","children":[{"_key":"b29de6116da00","_type":"span","marks":[],"text":"Sometimes pension consolidation can save you money. Each pension you own with a different provider will have different management fees. If you transfer your savings to a provider with lower fees, for example, over time you could save yourself money. However, pay close attention, as some providers charge exit fees which could eat away at the savings you’re making by transferring. And of course, you want to avoid transferring your pensions to a provider which charges even more!"}],"markDefs":[],"style":"normal"},{"_key":"492e05b566f6","_type":"block","children":[{"_key":"7ffd4e94c386","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e4af17b084e9","_type":"blockQuote","adviserName":"Graham Wells","jobTitle":"Chartered Financial Planner, GroWiser Financial Coaching","photo":{"_type":"mainImage","alt":"Graham Wells on pension consolidation saving you money","asset":{"_ref":"image-93f3c011faa2d301cc97d808c9924aab31f52abe-1000x1000-png","_type":"reference"}},"quote":[{"_key":"8f7f8761f64c","_type":"block","children":[{"_key":"1d46ccb9eebb","_type":"span","marks":[],"text":"It’s quite possible to save money by consolidating your pensions, but remember, it may also be possible to save money simply by making changes to fund choices within your existing plans. The fees you pay can usually be broken down into the annual percentage charge for individual investment funds and also a platform charge for the firm that manages your pension. Sometimes, these two fees are combined into an ‘all inclusive’ fee. It’s important to understand what you’re paying on each of your existing pension plans, before making a comparison with the plan you’d like to keep. This may all take a bit of research, but it can be well worth the effort. There’s a huge bandwidth of charges between different pension funds and providers, so a saving of just 0.5% per year can make a big difference in the long term!"}],"markDefs":[],"style":"normal"}]},{"_key":"41073b6c9190","_type":"block","children":[{"_key":"ec067acc52dd","_type":"span","marks":[],"text":""},{"_key":"6ec4d9886500","_type":"mainAnchor","pageAnchor":{"_ref":"5499cca2-901b-424b-8e02-c3364fb71e68","_type":"reference"}},{"_key":"f8b46538f6fe0","_type":"span","marks":[],"text":"May get better growth"}],"markDefs":[],"style":"h3"},{"_key":"89cdb8f5f89a","_type":"block","children":[{"_key":"15f17a000ec30","_type":"span","marks":[],"text":"Past performance is never a guarantee of future success. However, you may have one or two pensions which have been performing significantly worse than others over a long period of time. And equally, you may have a couple that have consistently earned you better returns than the rest. Look for consistency over time; If you have one or more funds which are persistently underperforming, you may find that you can get better growth by transferring to a different fund with a different provider."}],"markDefs":[],"style":"normal"},{"_key":"7fd0bf12a89d","_type":"block","children":[{"_key":"3ec8e8ee130f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"de4f2802461d","_type":"blockQuote","adviserName":"Matthew Spence","jobTitle":"Director, Spence Financial","photo":{"_type":"mainImage","alt":"Matthew Spence on why pension consolidation can help improve growth","asset":{"_ref":"image-04d60b552a98c4118da59ad469e30bcd8d30a556-2924x3249-png","_type":"reference"}},"quote":[{"_key":"0a7038f2ecdd","_type":"block","children":[{"_key":"09ae04044600","_type":"span","marks":[],"text":"Consolidating pensions might offer better growth opportunities if the new plan has better investment options and lower fees. Nevertheless, each person's situation is unique. Initially, you might want to assess your investment risk profile and your tolerance for financial loss, considering the time left until your envisioned retirement date. If your selected retirement date is just around the corner and you are not comfortable with short-term losses, consolidating your pension is unlikely to offer better growth without exposing you to excessive risk. Alternatively, if your pension investment horizon extends over many years, and you are open to higher levels of risk, consolidation could potentially lead to better growth, although of course this cannot be guaranteed."}],"markDefs":[],"style":"normal"}]},{"_key":"ab367923e5e6","_type":"block","children":[{"_key":"8c48b374ec69","_type":"span","marks":[],"text":""},{"_key":"fadb80a5cd5c","_type":"mainAnchor","pageAnchor":{"_ref":"ac35424e-a19a-440b-b829-8ff102aa6177","_type":"reference"}},{"_key":"4023eca648ee0","_type":"span","marks":[],"text":"Can be quick and easy"}],"markDefs":[],"style":"h3"},{"_key":"6ec40e7f07b3","_type":"block","children":[{"_key":"f98b559121230","_type":"span","marks":[],"text":"Pension consolidation is getting easier and easier and there are now several providers on the market which make it quick and simple to do. "},{"_key":"a7063e3b72cd","_type":"span","marks":["aae74317c97f"],"text":"PensionBee"},{"_key":"d9b2841e1b71","_type":"span","marks":[],"text":", for example, is a popular pension consolidation platform which allows you to combine your previous pensions into a new fund for free – so it doesn’t need to be expensive and you can get the process started in just a few clicks."}],"markDefs":[{"_key":"aae74317c97f","_type":"internalLinkPick","reference":{"_ref":"06394842-eb7d-4262-af18-128909850ae9","_type":"reference"}}],"style":"normal"},{"_key":"0eb199e780af","_type":"block","children":[{"_key":"b3a0e02e2e6f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f10bc57ff5f1","_type":"blockQuote","adviserName":"Graham Wells","jobTitle":"Chartered Financial Planner, GroWiser Financial Coaching","photo":{"_type":"mainImage","alt":"Graham Wells on how easy it is to consolidate your pensions","asset":{"_ref":"image-93f3c011faa2d301cc97d808c9924aab31f52abe-1000x1000-png","_type":"reference"}},"quote":[{"_key":"7ae3f51e0198","_type":"block","children":[{"_key":"838f3b5f0025","_type":"span","marks":[],"text":"The good news is that, nowadays, it’s easier than ever to tackle this job. Some of the more modern pension providers focus their marketing specifically on the ease of consolidating pensions into their products. If you’re currently in employment, it can often make sense to consolidate into your current workplace scheme and that could mean a bit more effort on your part, but again, worth it if the charges are particularly low and the fund choice is suitable. In some cases, the value or the complexity of your retirement planning may mean it's worth seeking regulated financial advice. This will add another layer of cost, of course, but can be money well spent to avoid making expensive errors, or even to save time on research and administration. Also be aware that defined benefit, or final salary, pensions with a cash equivalent transfer value (CETV) of more than £30,000 cannot be transferred without regulated financial advice."}],"markDefs":[],"style":"normal"}]},{"_key":"378dbff7ee8f","_type":"block","children":[{"_key":"ee0f6b3ee050","_type":"span","marks":[],"text":""},{"_key":"a4e037267ec9","_type":"mainAnchor","pageAnchor":{"_ref":"85503934-e0cb-418e-9e03-56b59a1ed4b6","_type":"reference"}},{"_key":"1dc051b5bdd80","_type":"span","marks":[],"text":"Reasons not to consolidate your pensions"}],"markDefs":[],"style":"h2"},{"_key":"85cea60da035","_type":"block","children":[{"_key":"d466665bad78","_type":"span","marks":[],"text":""},{"_key":"dbc05b43011a","_type":"mainAnchor","pageAnchor":{"_ref":"d607f030-3237-4ce3-b3e8-5dceec03dc8e","_type":"reference"}},{"_key":"1f3d7c6d1b7a0","_type":"span","marks":[],"text":"Your provider’s exit fees are expensive"}],"markDefs":[],"style":"h3"},{"_key":"c3ffbdea6f5a","_type":"block","children":[{"_key":"d84c83f9f1ce0","_type":"span","marks":[],"text":"Although transferring your pensions to a better-performing pot could get you more growth, keep an eye out for exit fees when transferring your pots. Some providers charge a fee, which can be significant, when you remove your funds from their account. 2022 research from Citizens Advice found that 41% of people accessing their pensions have been charged for doing so, with the average ‘exit’ or ‘transfer’ fee being around £1,577. Those with smaller pots of £20,000 or less ended up paying around 10% of the value of their pot in exit fees! If your provider has hefty charges and your pot is relatively small, it may be worth keeping it where it is rather than incurring the fee for consolidating."}],"markDefs":[],"style":"normal"},{"_key":"969d692c4f59","_type":"block","children":[{"_key":"868c877f8cd4","_type":"span","marks":[],"text":""},{"_key":"bc01f2f426d2","_type":"mainAnchor","pageAnchor":{"_ref":"05f51ef5-14a4-49ab-b44a-65176f1786d4","_type":"reference"}},{"_key":"7018c9d7c9bc0","_type":"span","marks":[],"text":"You might lose guarantees from a defined benefit scheme"}],"markDefs":[],"style":"h3"},{"_key":"501c2c7fdd89","_type":"block","children":[{"_key":"18a5bc6438750","_type":"span","marks":[],"text":"If you’ve got a defined benefit pension, you may not be able to consolidate into a defined contribution pot – and if you are, you may end up losing some of the guarantees that come with your plan. Take the time to review the paperwork on this, as consolidation may not make the most sense for you if you have to sacrifice some attractive benefits in the process, such as a guaranteed annuity rate. If you’re feeling torn, it’s a good idea to consider getting financial advice to help you decide on the best course of action for you. An "},{"_key":"01d2645d094a","_type":"span","marks":["2b856044429b"],"text":"adviser"},{"_key":"7a11206e78fc","_type":"span","marks":[],"text":" can assist you in weighing up the pros and cons to reach a decision."}],"markDefs":[{"_key":"2b856044429b","_type":"internalLinkPick","reference":{"_ref":"63a19438-721c-4042-b811-f8f2af951e0e","_type":"reference"}}],"style":"normal"},{"_key":"e1438aa8c09a","_type":"block","children":[{"_key":"9a0047707fa9","_type":"span","marks":[],"text":""},{"_key":"921d920ce42d","_type":"mainAnchor","pageAnchor":{"_ref":"579886c9-ad46-43ec-9b6c-e6d6df036b78","_type":"reference"}},{"_key":"517ddd4823b20","_type":"span","marks":[],"text":"Your employer is still paying into a workplace pension"}],"markDefs":[],"style":"h3"},{"_key":"fe938066289b","_type":"block","children":[{"_key":"a9bec215ffa80","_type":"span","marks":[],"text":"If you’ve got a workplace pension which your employer is currently paying into, transferring it means that they will no longer be able to contribute – so you could miss out on extra savings. In this case it may make more sense to leave an active pension pot alone and focus instead on consolidating any others which are no longer being contributed to. "}],"markDefs":[],"style":"normal"},{"_key":"73e88b393153","_type":"block","children":[{"_key":"1c835bb7baff","_type":"span","marks":[],"text":""},{"_key":"43d271dab9fd","_type":"mainAnchor","pageAnchor":{"_ref":"ecc00f4b-c96c-4a63-90a1-4ec154c63794","_type":"reference"}},{"_key":"ed68d97e31a90","_type":"span","marks":[],"text":"Pros and cons of pension consolidation"}],"markDefs":[],"style":"h2"},{"_key":"21d780e5b341","_type":"block","children":[{"_key":"d66fbcbebfda0","_type":"span","marks":[],"text":"The table below breaks the basic pros and cons of combining your pensions. Remember however that deciding whether or not to consolidate is highly dependent on your unique circumstances, so if in doubt, it’s a sensible idea to "},{"_key":"c56036c52aae","_type":"span","marks":["eb2a25a41268"],"text":"get in touch with a financial adviser"},{"_key":"6d091ad6c8d0","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"eb2a25a41268","_type":"internalLinkPick","reference":{"_ref":"63a19438-721c-4042-b811-f8f2af951e0e","_type":"reference"}}],"style":"normal"},{"_key":"b699a20d1138","_type":"block","children":[{"_key":"1150b6aecd16","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4510a8b534a7","_type":"prosConsWidget","cons":["Exit penalties ","You might lose some benefits ","Not suitable for active pots "],"consTitle":"Cons","pros":["Easier to manage and keep track ","Can be cheaper ","Can lead to better growth ","Process is usually quick "],"prosTitle":"Pros"},{"_key":"63a6ed41ab32","_type":"block","children":[{"_key":"63219b322800","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"03344e8fb112","_type":"block","children":[{"_key":"85c892fdec8c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7309ef5adda6","_type":"block","children":[{"_key":"e38dc2021c8d0","_type":"span","marks":["strong"],"text":"If you’re thinking of consolidating your pensions, Matthew says:"}],"markDefs":[],"style":"normal"},{"_key":"590200064096","_type":"block","children":[{"_key":"347a3a3c8f8d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5411401fc48f","_type":"blockQuote","adviserName":"Matthew Spence","jobTitle":"Director, Spence Financial","photo":{"_type":"mainImage","alt":"Matthew Spence on the pros of pension consolidation","asset":{"_ref":"image-04d60b552a98c4118da59ad469e30bcd8d30a556-2924x3249-png","_type":"reference"}},"quote":[{"_key":"670d7ca7b900","_type":"block","children":[{"_key":"d81e359eba33","_type":"span","marks":[],"text":"First and foremost, everyone's situation is unique, and what proves beneficial for one person may not necessarily apply to someone else. And this is true when combining pensions. Take a step back and reflect on your financial objectives, your tolerance for financial loss, and the level of risk you are willing to embrace. Assess factors such as anticipated retirement expenses to establish the necessary income for a comfortable retirement. I would also consider using cashflow modelling, which - when employed consistently - can be instrumental in planning for drawdown and especially in adapting to changing circumstances."}],"markDefs":[],"style":"normal"}]},{"_key":"766c968120de","_type":"block","children":[{"_key":"041fe818f593","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0a61a7e4811c","_type":"block","children":[{"_key":"3eab07507a5e0","_type":"span","marks":["strong"],"text":"Graham’s top tip for consolidators is to take extra care to avoid common pitfalls:"}],"markDefs":[],"style":"normal"},{"_key":"a200b2761367","_type":"block","children":[{"_key":"16fb56cebe42","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ca415580862e","_type":"blockQuote","adviserName":"Graham Wells","jobTitle":"Chartered Financial Planner, GroWiser Financial Coaching","photo":{"_type":"mainImage","alt":"Graham Wells on the cons of pension consolidation","asset":{"_ref":"image-93f3c011faa2d301cc97d808c9924aab31f52abe-1000x1000-png","_type":"reference"}},"quote":[{"_key":"f88f3cb118ad","_type":"block","children":[{"_key":"7d8ce3c55621","_type":"span","marks":[],"text":"Some older schemes can have valuable benefits, which would be lost if you transferred out. These could include guaranteed annuity rates, protected tax-free cash and enhanced death benefits. Also take care with any exit charges or market value adjustments, which could apply in certain circumstances."}],"markDefs":[],"style":"normal"}]},{"_key":"992280a1ef9b","_type":"block","children":[{"_key":"6ae529e4d7e8","_type":"span","marks":[],"text":""},{"_key":"a1389f12feb1","_type":"mainAnchor","pageAnchor":{"_ref":"8c6aac0c-78f0-4e58-9c6f-6c785085600c","_type":"reference"}},{"_key":"46aa2a4def9b0","_type":"span","marks":[],"text":"How to consolidate your pensions"}],"markDefs":[],"style":"h2"},{"_key":"9b1e052b5768","_type":"block","children":[{"_key":"10d8f25504ac","_type":"span","marks":[],"text":""},{"_key":"fde8a2fbb611","_type":"mainAnchor","pageAnchor":{"_ref":"dddd58c1-683c-4548-aabe-524489ccc86b","_type":"reference"}},{"_key":"3214711cb7fd0","_type":"span","marks":[],"text":"Find any old or lost pensions"}],"markDefs":[],"style":"h3"},{"_key":"7630d596af5d","_type":"block","children":[{"_key":"4369ca209cfc0","_type":"span","marks":[],"text":"The first step in your pension consolidation journey is rounding up all your pots so you know exactly what you’ve got. If you’re trying to find details of an old employee workplace pension, the most straightforward way to find it is often to contact your former employer directly and ask. Alternatively, the government’s Pension Tracing Service can be used to track them down."}],"markDefs":[],"style":"normal"},{"_key":"1461b5d5f33b","_type":"block","children":[{"_key":"6248f4fa31dc","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"2a3ad236c60c","_type":"block","children":[{"_key":"c7d664bc6f8d","_type":"span","marks":["strong"],"text":"Find a lost pension"}],"markDefs":[],"style":"normal"}],"_key":"c0b39c4feac9","_type":"ctaWidget","openNewTab":true,"reference":{"_ref":"68b30088-39bf-4f3f-a7a6-b38108b163ed","_type":"reference"},"text":"SEARCH"},{"_key":"925748198d25","_type":"block","children":[{"_key":"6a62d161dbf6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"74f9e0ecc377","_type":"block","children":[{"_key":"a755626c1d1e","_type":"span","marks":[],"text":""},{"_key":"45812439c920","_type":"mainAnchor","pageAnchor":{"_ref":"65ce91eb-93ec-4ed7-ba6e-7c092d82c2cf","_type":"reference"}},{"_key":"8611b395f7ce0","_type":"span","marks":[],"text":"Find a provider you can trust"}],"markDefs":[],"style":"h3"},{"_key":"9d9b3d0ee1e1","_type":"block","children":[{"_key":"76a11f39c71a0","_type":"span","marks":[],"text":"Next, you need to find a provider you trust to be a home for your retirement savings. This takes some shopping around and it’s important not to rush and pick the first deal you come across. Remember to pay close attention to charges – the fees you’ll be paying for your new provider and any exit fees you could incur from transferring from previous ones. "},{"_key":"addd498746ef","_type":"span","marks":["a0ddccad3a8a"],"text":"PensionBee"},{"_key":"7213299eb30c","_type":"span","marks":[],"text":" is a market-leading pension consolidation specialist, for example, but make sure you shop around and find the provider that you feel is right for you. Why not head to our pension compare tables to browse the market?"}],"markDefs":[{"_key":"a0ddccad3a8a","_type":"internalLinkPick","reference":{"_ref":"06394842-eb7d-4262-af18-128909850ae9","_type":"reference"}}],"style":"normal"},{"_key":"1832edc1cfd3","_type":"block","children":[{"_key":"8d59467acbcb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"f417c6567bdb","_type":"block","children":[{"_key":"473d56033cf6","_type":"span","marks":["strong"],"text":"Compare pension providers "}],"markDefs":[],"style":"normal"}],"_key":"e2d4d0306a9d","_type":"ctaWidget","openNewTab":false,"reference":{"_ref":"eb79261a-d99b-496a-a5a9-432e5319bf7e","_type":"reference"},"text":"START"},{"_key":"6f8f63d5d9e3","_type":"block","children":[{"_key":"dd18b109287a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"fed9d4ef0046","_type":"block","children":[{"_key":"6e8358b53838","_type":"span","marks":[],"text":""},{"_key":"f53b984ef7e9","_type":"mainAnchor","pageAnchor":{"_ref":"ec0bfba8-0097-4275-ad1c-a82535f3433a","_type":"reference"}},{"_key":"ca3251cc8d4b0","_type":"span","marks":[],"text":"Request a pension transfer"}],"markDefs":[],"style":"h3"},{"_key":"f2b567335c94","_type":"block","children":[{"_key":"452e6bf24f150","_type":"span","marks":[],"text":"Once you’ve settled on a provider, it’s time to start consolidating. Head to their website and apply to ‘transfer’, ‘combine’ or ‘consolidate’ your pension pots. You’ll usually be asked to fill out a form confirming your National Insurance and other personal details as well as information about your pots, including their current provider, value and the policy number. This can all be found in your paperwork – either in your annual update or in the info pack you received when your pot was first set up. It may also have been emailed to you. If in doubt, reach out to your provider for confirmation."}],"markDefs":[],"style":"normal"},{"_key":"e5dad1ef3fcb","_type":"block","children":[{"_key":"3db07f393f66","_type":"span","marks":[],"text":""},{"_key":"318478649ba1","_type":"mainAnchor","pageAnchor":{"_ref":"45c13526-e292-4077-8d3e-78252adb08db","_type":"reference"}},{"_key":"dfeafaaa55ff0","_type":"span","marks":[],"text":"Stay up to date"}],"markDefs":[],"style":"h3"},{"_key":"4b0f6178706d","_type":"block","children":[{"_key":"55461d0c0a690","_type":"span","marks":[],"text":"Congratulations – you've got the ball rolling! Now you’re waiting for the consolidation process to be completed. Many providers allow you to be notified on the progress of your application by email or SMS (text). You may need to select this as an additional option during the application process. Once the transfer is complete, you should receive confirmation in writing with a letter and often a welcome pack outlining the terms of your new pension policy. Remember to keep this safe so you can refer back to it at any time!"}],"markDefs":[],"style":"normal"},{"_key":"7536cc43ea92","_type":"block","children":[{"_key":"faa3ddd37a56","_type":"span","marks":[],"text":""},{"_key":"7ed4b4388624","_type":"mainAnchor","pageAnchor":{"_ref":"82c4acbb-2781-4050-94f2-34db240f48d4","_type":"reference"}},{"_key":"4804e355ca250","_type":"span","marks":[],"text":"Pension consolidation FAQs"}],"markDefs":[],"style":"h2"},{"_key":"05a2658b90cc","_type":"block","children":[{"_key":"4bec07571944","_type":"span","marks":[],"text":""},{"_key":"6c1fa061abd5","_type":"mainAnchor","pageAnchor":{"_ref":"c2fe6a25-f050-4904-bbf0-520b6efd9938","_type":"reference"}},{"_key":"adbbf183353a0","_type":"span","marks":[],"text":"What’s the difference between ‘transferring’, ‘combining’ and ‘consolidating’ pensions?"}],"markDefs":[],"style":"h3"},{"_key":"2a88ec6b2648","_type":"block","children":[{"_key":"6842f598f47c0","_type":"span","marks":[],"text":"Some providers might refer to ‘pension transfers’ while others may say ‘combining pensions’ or ‘pension consolidation’ - or they might use all of them interchangeably! Confusingly, you can see all three of these terms used to describe pension consolidation - but they all mean the same thing: the process of rounding up several pensions and putting them in one place."}],"markDefs":[],"style":"normal"},{"_key":"86acaa5c6a59","_type":"block","children":[{"_key":"df0ff7c8fd73","_type":"span","marks":[],"text":""},{"_key":"7387adeb088f","_type":"mainAnchor","pageAnchor":{"_ref":"a26d1d7d-c54f-46a5-bf01-85b25cc163fd","_type":"reference"}},{"_key":"e7cabb211ce00","_type":"span","marks":[],"text":"How long does it take to consolidate pensions?"}],"markDefs":[],"style":"h3"},{"_key":"4ccbc4c4d814","_type":"block","children":[{"_key":"91b71c6e8f0b0","_type":"span","marks":[],"text":"The amount of time it takes to consolidate your pensions depends on a number of factors, such as how many pots you’re combining. According to an April 2023 report by fintech firm Origo, the average pension consolidation takes around 14 working days. However, unlike switching bank accounts – where most providers give a 7-day guarantee – there is no guarantee when it comes to combining pensions and the time it takes can differ on a case-by-case basis. You can reach out to your provider to get a better idea of when you can expect the transfer to be completed."}],"markDefs":[],"style":"normal"},{"_key":"d6d81978cec9","_type":"block","children":[{"_key":"7b3c9abca1da","_type":"span","marks":[],"text":""},{"_key":"fb547f61c96c","_type":"mainAnchor","pageAnchor":{"_ref":"b1a64919-f227-4c5d-8aa2-90ce2ec06301","_type":"reference"}},{"_key":"3c25a3cf0e4e0","_type":"span","marks":[],"text":"Can you combine defined benefit pensions?"}],"markDefs":[],"style":"h3"},{"_key":"cf70c4f3610c","_type":"block","children":[{"_key":"07a53738a8c30","_type":"span","marks":[],"text":"Yes, as mentioned above, it is sometimes possible to combine some or all of your defined benefit (also called ‘final salary’) pensions into a single defined contribution pension (the most common type). However, not all providers allow you to do this, and remember that doing so would mean trading a guaranteed income for the rest of your life for a finite amount of money in a single pension pot. Most providers will recommend that you seek independent financial advice if you’re considering combining defined benefit pensions. 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Boring Money’s "},{"_key":"eb583e0947fe","_type":"span","marks":["em"],"text":"Advice Report 2023: Consolidation and change"},{"_key":"8d289a2c998b","_type":"span","marks":[],"text":" found 43% of non-retired people over 55 – so relatively close to retirement age – don't think they’re putting enough in their pension. This rises to 55% of those who are younger than 45. Fortunately, there are many ways you can boost your savings to ensure you have enough for the retirement you want. Check out our free course below for a helping hand."}],"markDefs":[],"style":"normal"},{"_key":"10a269d5d331","_type":"block","children":[{"_key":"28605cde3d6c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"c131518fd37b","_type":"block","children":[{"_key":"e8e255c42de0","_type":"span","marks":["strong"],"text":"How to save for the retirement you want "}],"markDefs":[],"style":"normal"}],"_key":"9304b7445bfc","_type":"ctaWidget","openNewTab":false,"reference":{"_ref":"567712ea-cd2d-40fc-ad7a-9d66abcae8da","_type":"reference"},"text":"LEARN"},{"_key":"b65018e5ed21","_type":"block","children":[{"_key":"e256e64ff6a8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"brazeCustomAttributes":[{"_key":"72574050c1c9","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_Article_Gated","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/how-to-consolidate-your-pension/"}],"categories":[{"_key":"62305fbd5278","_ref":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","_type":"reference"},{"_key":"7f34ad348195","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"f3f1e45d8eeb","_ref":"e68f350a-e85b-44ee-8552-36c98d0639d1","_type":"reference"}],"emailSignupWidgetButtonText":"JOIN US","emailSignupWidgetImage":{"_type":"mainImage","alt":"Gated content"},"emailSignupWidgetParagraphText":"Learn more about pension consolidation and how to do it!","enableGatedContent":true,"excerpt":[{"_key":"fe1d5e455c20","_type":"block","children":[{"_key":"cfaf35d9b300","_type":"span","marks":[],"text":"In this guide, we’ll walk you through the basics of pension consolidation, the pros and cons and some frequently asked questions to help you understand and arm you with the knowledge to make the right decision."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"5ad1966b8fcb","_type":"block","children":[{"_key":"fd784a42173b","_type":"span","marks":["strong"],"text":"Are you not sure how many pensions you have or how to trace them? Do you have lots of smaller pension pots floating in the ether from old jobs? Did you know that you can round them up and keep them all together? Introducing pension consolidation! The handy way of keeping all your pensions up in one, single, easy-to-follow place."}],"markDefs":[],"style":"normal"},{"_key":"2d9b78cca38c","_type":"block","children":[{"_key":"fef6e8efb8d6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a8ea6922696d","_type":"mainImage","alt":" ","asset":{"_ref":"image-3bfd7cc30981948ddced659ab937485cf9840166-2640x1485-png","_type":"reference"}},{"_key":"f66e67c425d7","_type":"anchorMenuMobile","title":"s"},{"_key":"82181942a3bc","_type":"block","children":[{"_key":"545ce020475a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7b914fc32ec3","_type":"block","children":[{"_key":"3d90f8baa75e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7a9ecda2c700","_type":"block","children":[{"_key":"e34132ee7763","_type":"span","marks":[],"text":"In this guide, we’ll walk you through the basics of pension consolidation, the pros and cons and some frequently asked questions to help you understand more and arm you with the knowledge to make the right decision."}],"markDefs":[],"style":"normal"},{"_key":"84751b0848cb","_type":"block","children":[{"_key":"87c3a08b232b","_type":"span","marks":[],"text":""},{"_key":"9af2ffb8a93b","_type":"mainAnchor","pageAnchor":{"_ref":"8335643a-a17e-4755-9b9e-a4ef690070a0","_type":"reference"}},{"_key":"9b59875dabbd","_type":"span","marks":[],"text":"What is pension consolidation?"}],"markDefs":[],"style":"h2"},{"_key":"f0894e2b1d9c","_type":"block","children":[{"_key":"1763396d6456","_type":"span","marks":[],"text":"Pension consolidation is when you combine several different pensions together into a single pot. Many people have lost or forgotten about pensions from previous jobs, or you may just have quite a few that you’re aware of but find it hard to keep track of them all separately."}],"markDefs":[],"style":"normal"},{"_key":"721eb56b9cf0","_type":"block","children":[{"_key":"8815ab2c4133","_type":"span","marks":[],"text":"There are millions of people in the UK who are juggling multiple pensions. In fact, Boring Money’s recent "},{"_key":"a94a0201e7c7","_type":"span","marks":["em"],"text":"Pensions Report 2023: Consolidation and change"},{"_key":"58d099aed905","_type":"span","marks":[],"text":" found that 44% of 55 to 64-year-olds and 27% of 25 to 34-year-olds hold two or more pensions."}],"markDefs":[],"style":"normal"},{"_key":"6fd2c82947c4","_type":"block","children":[{"_key":"26b47cce3a93","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"49701112668b","_type":"textboxWidget","image":{"_type":"mainImage","alt":"💡 44% of 55 to 64-year-olds and 27% of 25 to 34-year-olds hold two or more pensions. "},"text":[{"_key":"33f24ca61506","_type":"block","children":[{"_key":"822ab68fa2340","_type":"span","marks":["strong"],"text":"💡 44% of 55 to 64-year-olds and 27% of 25 to 34-year-olds hold two or more pensions."}],"markDefs":[],"style":"normal"}]},{"_key":"5d9133e4f51a","_type":"block","children":[{"_key":"5c36a023a0b4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"74924488e29a","_type":"block","children":[{"_key":"8460b7c7cfe0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19dcae1fe120","_type":"block","children":[{"_key":"64123dbc2a5e","_type":"span","marks":[],"text":"This is where pension consolidation can help you to have everything under one roof – so you have less paperwork to wade through when you want to check how your pot (or ‘fund’) is doing. However, despite the number of Brits with multiple pension pots, our research shows that only 3 in 10 pension holders have consolidated to date. So if you’re one of the 7 in 10 who haven’t, how do you decide if you should consolidate and how do you do it?"}],"markDefs":[],"style":"normal"},{"_key":"c8ab4ff07b30","_type":"block","children":[{"_key":"41abeb876dc5","_type":"span","marks":[],"text":""},{"_key":"c1252d18d434","_type":"mainAnchor","pageAnchor":{"_ref":"0acc7d98-9891-4358-b260-48f32383d8d6","_type":"reference"}},{"_key":"cc7ca9bfbf23","_type":"span","marks":[],"text":"Reasons to consolidate your pensions"}],"markDefs":[],"style":"h2"},{"_key":"7a4b35ba9cae","_type":"block","children":[{"_key":"06316117846e","_type":"span","marks":[],"text":"Is pension consolidation the right move for you? Your pension savings can be worth an awful lot of money – the average 55 to 64-year-old has £127,000 in their pot – so it makes sense that you want to consider all your options and think carefully before committing to moving anything around."}],"markDefs":[],"style":"normal"},{"_key":"b9e9793b9383","_type":"block","children":[{"_key":"84cbf2fc2536","_type":"span","marks":[],"text":""},{"_key":"da37ce60bd46","_type":"mainAnchor","pageAnchor":{"_ref":"6c3c6936-ec79-4484-8ba5-9ae806311449","_type":"reference"}},{"_key":"82c112264b1c","_type":"span","marks":[],"text":"It’s more convenient"}],"markDefs":[],"style":"h3"},{"_key":"77ef0102541d","_type":"block","children":[{"_key":"8f272fe8ff37","_type":"span","marks":[],"text":"Obviously, managing a single pension is bound to be easier than managing several pensions. Combining them can make it easier to keep track of how much you’re saving and review the performance of your investments over time. This means less rummaging around for paperwork or phone numbers to contact different providers! It also makes things easier and quicker when it’s time to start taking from your pension savings, so if pension drawdown looks like the route you’re going to take, consolidation is a bit of a no-brainer."}],"markDefs":[],"style":"normal"},{"_key":"75e2db5cf292","_type":"block","children":[{"_key":"c99a4311d3e9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0d34a57a384d","_type":"blockQuote","adviserName":"Matthew Spence","jobTitle":"Director, Spence Financial","photo":{"_type":"mainImage","alt":"Matthew Spence on why pension consolidation can help with convenience","asset":{"_ref":"image-04d60b552a98c4118da59ad469e30bcd8d30a556-2924x3249-png","_type":"reference"}},"quote":[{"_key":"0c11fa66d399","_type":"block","children":[{"_key":"1e431bddfce0","_type":"span","marks":[],"text":"Consolidating your pension can offer advantages like a streamlined structure, potential fee reduction, simplified monitoring of retirement savings, and estate planning convenience."}],"markDefs":[],"style":"normal"}]},{"_key":"d32e650a427c","_type":"block","children":[{"_key":"9e8c59fbd909","_type":"span","marks":[],"text":""},{"_key":"7e0042d2a098","_type":"mainAnchor","pageAnchor":{"_ref":"45bbb343-d45e-488a-a1f8-9e3a5bd79bfb","_type":"reference"}},{"_key":"07c3e6ea914f","_type":"span","marks":[],"text":"Could save you money"}],"markDefs":[],"style":"h3"},{"_key":"3e71caed9596","_type":"block","children":[{"_key":"9649297604c4","_type":"span","marks":[],"text":"Sometimes pension consolidation can save you money. Each pension you own with a different provider will have different management fees. If you transfer your savings to a provider with lower fees, for example, over time you could save yourself money. However, pay close attention, as some providers charge exit fees which could eat away at the savings you’re making by transferring. And of course, you want to avoid transferring your pensions to a provider which charges even more!"}],"markDefs":[],"style":"normal"},{"_key":"e434ed52f906","_type":"block","children":[{"_key":"cadad6394883","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"64df49928d37","_type":"blockQuote","adviserName":"Graham Wells","jobTitle":"Chartered Financial Planner, GroWiser Financial Coaching","photo":{"_type":"mainImage","alt":"Graham Wells on pension consolidation saving you money","asset":{"_ref":"image-93f3c011faa2d301cc97d808c9924aab31f52abe-1000x1000-png","_type":"reference"}},"quote":[{"_key":"8f7f8761f64c","_type":"block","children":[{"_key":"1d46ccb9eebb","_type":"span","marks":[],"text":"It’s quite possible to save money by consolidating your pensions, but remember, it may also be possible to save money simply by making changes to fund choices within your existing plans. The fees you pay can usually be broken down into the annual percentage charge for individual investment funds and also a platform charge for the firm that manages your pension. Sometimes, these two fees are combined into an ‘all inclusive’ fee. It’s important to understand what you’re paying on each of your existing pension plans, before making a comparison with the plan you’d like to keep. This may all take a bit of research, but it can be well worth the effort. There’s a huge bandwidth of charges between different pension funds and providers, so a saving of just 0.5% per year can make a big difference in the long term!"}],"markDefs":[],"style":"normal"}]},{"_key":"97a1797d8a20","_type":"block","children":[{"_key":"beb20f9530a1","_type":"span","marks":[],"text":""},{"_key":"4c5cee4c4158","_type":"mainAnchor","pageAnchor":{"_ref":"5499cca2-901b-424b-8e02-c3364fb71e68","_type":"reference"}},{"_key":"797c77718949","_type":"span","marks":[],"text":"May get better growth"}],"markDefs":[],"style":"h3"},{"_key":"284d5dd5502e","_type":"block","children":[{"_key":"0165bfe9f76b","_type":"span","marks":[],"text":"Past performance is never a guarantee of future success. However, you may have one or two pensions which have been performing significantly worse than others over a long period of time. And equally, you may have a couple that have consistently earned you better returns than the rest. Look for consistency over time; If you have one or more funds which are persistently underperforming, you may find that you can get better growth by transferring to a different fund with a different provider."}],"markDefs":[],"style":"normal"},{"_key":"2624aaf3ce7c","_type":"block","children":[{"_key":"3cf383d9be5e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d08b2cd01e66","_type":"blockQuote","adviserName":"Matthew Spence","jobTitle":"Director, Spence Financial","photo":{"_type":"mainImage","alt":"Matthew Spence on why pension consolidation can help improve growth","asset":{"_ref":"image-04d60b552a98c4118da59ad469e30bcd8d30a556-2924x3249-png","_type":"reference"}},"quote":[{"_key":"0a7038f2ecdd","_type":"block","children":[{"_key":"09ae04044600","_type":"span","marks":[],"text":"Consolidating pensions might offer better growth opportunities if the new plan has better investment options and lower fees. Nevertheless, each person's situation is unique. Initially, you might want to assess your investment risk profile and your tolerance for financial loss, considering the time left until your envisioned retirement date. If your selected retirement date is just around the corner and you are not comfortable with short-term losses, consolidating your pension is unlikely to offer better growth without exposing you to excessive risk. Alternatively, if your pension investment horizon extends over many years, and you are open to higher levels of risk, consolidation could potentially lead to better growth, although of course this cannot be guaranteed."}],"markDefs":[],"style":"normal"}]},{"_key":"f9497cf9a440","_type":"block","children":[{"_key":"327a4d50d5b6","_type":"span","marks":[],"text":""},{"_key":"1bd82311bfe7","_type":"mainAnchor","pageAnchor":{"_ref":"ac35424e-a19a-440b-b829-8ff102aa6177","_type":"reference"}},{"_key":"7c4ebb598ea8","_type":"span","marks":[],"text":"Can be quick and easy"}],"markDefs":[],"style":"h3"},{"_key":"6cd19f7cf558","_type":"block","children":[{"_key":"9f3b19b8e824","_type":"span","marks":[],"text":"Pension consolidation is getting easier and easier and there are now several providers on the market which make it quick and simple to do. PensionBee, for example, is a popular pension consolidation platform which allows you to combine your previous pensions into a new fund for free – so it doesn’t need to be expensive and you can get the process started in just a few clicks."}],"markDefs":[],"style":"normal"},{"_key":"47cfa131fe5e","_type":"block","children":[{"_key":"6a358c8b4823","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d8664e2c1978","_type":"blockQuote","adviserName":"Graham Wells","jobTitle":"Chartered Financial Planner, GroWiser Financial Coaching","photo":{"_type":"mainImage","alt":"Graham Wells on how easy it is to consolidate your pensions","asset":{"_ref":"image-93f3c011faa2d301cc97d808c9924aab31f52abe-1000x1000-png","_type":"reference"}},"quote":[{"_key":"7ae3f51e0198","_type":"block","children":[{"_key":"838f3b5f0025","_type":"span","marks":[],"text":"The good news is that, nowadays, it’s easier than ever to tackle this job. Some of the more modern pension providers focus their marketing specifically on the ease of consolidating pensions into their products. If you’re currently in employment, it can often make sense to consolidate into your current workplace scheme and that could mean a bit more effort on your part, but again, worth it if the charges are particularly low and the fund choice is suitable. In some cases, the value or the complexity of your retirement planning may mean it's worth seeking regulated financial advice. This will add another layer of cost, of course, but can be money well spent to avoid making expensive errors, or even to save time on research and administration. Also be aware that defined benefit, or final salary, pensions with a cash equivalent transfer value (CETV) of more than £30,000 cannot be transferred without regulated financial advice."}],"markDefs":[],"style":"normal"}]},{"_key":"19c1f8404155","_type":"block","children":[{"_key":"6e437ff276cc","_type":"span","marks":[],"text":""},{"_key":"1fa8a2a196a4","_type":"mainAnchor","pageAnchor":{"_ref":"85503934-e0cb-418e-9e03-56b59a1ed4b6","_type":"reference"}},{"_key":"3aaad27ed0e9","_type":"span","marks":[],"text":"Reasons not to consolidate your pensions"}],"markDefs":[],"style":"h2"},{"_key":"1b59f9fecc5f","_type":"block","children":[{"_key":"b2a5b73d54b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"linkMenu":[{"_key":"1bf88f4181c4","_ref":"18a0621d-ead5-485d-98b8-909fb574cf3f","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":" Essential guide to pension consolidation","asset":{"_ref":"image-3bfd7cc30981948ddced659ab937485cf9840166-2640x1485-png","_type":"reference"}},"publishedAt":"2024-09-16T08:51:36.427Z","slug":{"_type":"slug","current":"how-to-consolidate-your-pension"},"subfolder":{"_ref":"1e199c4b-b2a5-4733-b5fb-18b5874bd698","_type":"reference"},"template":"C-SB","textNextToKey":"Unlock this article to continue reading","title":"Essential guide to pension consolidation","widgets":[{"_key":"0b1d1e9c7c68","_ref":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","_type":"reference"},{"_key":"10f7c588e67e","_ref":"92f96c95-dfab-424a-a570-d567d98c9c29","_type":"reference"},{"_key":"a123eb5c965d","_ref":"a94e9c35-bdf2-4791-a7bd-d9ff612732c0","_type":"reference"},{"_key":"2925249aa739","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"},{"_key":"6e93483351f7","_ref":"34cc9a7e-24e0-4253-b447-28bc22728d46","_type":"reference"},{"_key":"45a78fc1c135","_ref":"7e9f7d04-d75d-4124-82b8-fdd3e833d0ff","_type":"reference"}],"id":"-7ccda4ee-0d01-5a0a-9329-01d634ca919e","children":[],"parent":null}}],"style":"normal"},{"_key":"4de97eac0b16","_type":"block","children":[{"_key":"7fcb903576ee","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5a17725e3479","_type":"textboxWidget","text":[{"_key":"f1b039bf007b","_type":"block","children":[{"_key":"b36d7a3a5fb1","_type":"span","marks":[],"text":"⚠️ Before you do any kind of transfer, tread carefully:"}],"markDefs":[],"style":"h4"},{"_key":"f0cf0ec06d87","_type":"block","children":[{"_key":"fc02f2ada63e","_type":"span","marks":["strong"],"text":"Check for exit fees -"},{"_key":"450debe45352","_type":"span","marks":[],"text":" Some pension providers may charge you a fee to close your account and transfer your funds. This can be as high as 10% of your pot (!) so it may not be worth the hassle."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ab041b871467","_type":"block","children":[{"_key":"905d23e82b3c","_type":"span","marks":["strong"],"text":"Compare fund performance - "},{"_key":"c51f58f8ba19","_type":"span","marks":[],"text":"Don’t ditch a high-performing scheme for a dud. Sit down and review the returns on your pots, and if an old pension is doing well, it might be wise to just leave it be."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"df4da4bc2d13","_type":"block","children":[{"_key":"848715e2af03","_type":"span","marks":["strong"],"text":"Watch for valuable benefits -"},{"_key":"cde21a81a36b","_type":"span","marks":[],"text":" Some schemes, particularly with DB pensions, come with certain benefits (like a guaranteed income, life cover or early access rights) which you may lose forever by transferring. It's generally advised that you leave these alone."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"a621d0d184bc","_type":"block","children":[{"_key":"ed05b30b2b13","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e61543d6738d","_type":"block","children":[{"_key":"8cceb475d69c","_type":"span","marks":[],"text":""},{"_key":"b9bc6c8871ea","_type":"mainAnchor","pageAnchor":{"_id":"1f2ad4e7-9b6e-4ef9-af1b-59b037d745a3","_type":"anchorCategory","_rev":"0iD6p61whJS2ZGE5T74rRM","_createdAt":"2025-07-17T11:39:08Z","_updatedAt":"2025-07-17T11:39:14Z","AnchorName":"canitakemoneyoutofmypensionearly","id":"-5c1ecc25-9f63-5a86-8544-141ad8b45dba","children":[],"parent":null}},{"_key":"b835e53bc843","_type":"span","marks":[],"text":"Can I take money out of my pension early?"}],"markDefs":[],"style":"h3"},{"_key":"ecdb2c7d0cdd","_type":"block","children":[{"_key":"e3a76dea54f7","_type":"span","marks":[],"text":"Generally, you can't take money out of any pension products early unless you’re seriously ill or terminally diagnosed. For everyone else, the money is locked up until you’re 55 - rising to 57 from 2028."}],"markDefs":[],"style":"normal"},{"_key":"c9ee2a6e5afb","_type":"block","children":[{"_key":"229afbe42eac","_type":"span","marks":[],"text":""},{"_key":"a644cc0a0f68","_type":"mainAnchor","pageAnchor":{"_id":"201e104c-1c9d-441a-83f7-267e0bcea3a3","_type":"anchorCategory","_rev":"yp1Kb8xoZtebDK5NNgsqT8","_createdAt":"2025-07-17T11:39:24Z","_updatedAt":"2025-07-17T11:39:32Z","AnchorName":"howismyworkplacepensiontaxed","id":"-0c63d527-ebac-59fd-af9f-015ec5d4022e","children":[],"parent":null}},{"_key":"eafa6778d40b","_type":"span","marks":[],"text":"How is my workplace pension taxed?"}],"markDefs":[],"style":"h3"},{"_key":"633fbffa7196","_type":"block","children":[{"_key":"2608a8c82afa","_type":"span","marks":[],"text":"Your workplace pension is treated like the rest of your retirement saving products for tax purposes. When you start dipping into these, HMRC will be able to start taking its cut - but it's not all bad news."}],"markDefs":[],"style":"normal"},{"_key":"261a8f6b383d","_type":"block","children":[{"_key":"a12ef1b78775","_type":"span","marks":[],"text":"The first 25% of your retirement pot is completely tax-free. You can take this as one big lump sum, or in smaller chunks over time, depending on your financial needs and goals. It can be a real treat to finally have access to this cash, but it's important to plan ahead and reduce the urge to go spending straight away - after all, you need to "},{"_key":"0a840893be72","_type":"span","marks":["a017945d9115"],"text":"make sure your pot will last you throughout your whole retirement"},{"_key":"5e9e75e5e75f","_type":"span","marks":[],"text":"!"}],"markDefs":[{"_key":"a017945d9115","_type":"internalLinkPick","reference":{"_id":"04c8d1d1-e9ff-4097-b2c8-d6fda2a8d603","_type":"post","_rev":"IuK2abzZBGOYd51ySXgtFH","_createdAt":"2023-09-11T11:47:41Z","_updatedAt":"2026-07-02T15:23:49Z","_system":{"base":{"id":"04c8d1d1-e9ff-4097-b2c8-d6fda2a8d603","rev":"C9kRM0yIrVzAHS6D3TWZt3"}},"authors":[{"_key":"d82e71d8c461","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"2805d2f12fd2","_type":"block","children":[{"_key":"1f47ee504049","_type":"span","marks":[],"text":"Written by "},{"_key":"a72782180c4e","_type":"span","marks":["strong","f54563092272"],"text":"Boring Money"}],"markDefs":[{"_key":"f54563092272","_type":"internalLinkPick","blank":true,"reference":{"_ref":"d303d967-e483-4761-b7bf-65760d5b1b66","_type":"reference"}}],"style":"normal"}],"body":[{"_key":"102f5d5cbc1a","_type":"block","children":[{"_key":"08924502e6ea","_type":"span","marks":["strong"],"text":"Making your retirement money last isn't just about how much you've saved - it's about how it's managed. Yet, Boring Money research found that 9% of retired people and 16% of semi-retired people are struggling to meet their basic financial needs or facing serious financial difficulties.[1] Here are four practical ways to help your pension and savings go further."}],"markDefs":[],"style":"normal"},{"_key":"63d3f4a0ba9a","_type":"block","children":[{"_key":"590dbe0e06c8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a8e14f47850a","_type":"mainImage","alt":" ","asset":{"_ref":"image-38d80957f8094b5843ff5dea78c8a800a76e2d0d-3840x2160-png","_type":"reference"}},{"_key":"3d1ccc20af85","_type":"anchorMenuMobile","title":"s"},{"_key":"fe56223c95fd","_type":"block","children":[{"_key":"10d4dfd4fd19","_type":"span","marks":[],"text":""},{"_key":"cc3f6d6c2b6a","_type":"mainAnchor","pageAnchor":{"_ref":"4a0e3fa2-b2ca-487c-8582-530ed3dc4598","_type":"reference"}},{"_key":"41b8fa6dc6b30","_type":"span","marks":[],"text":"1. Invest to outpace inflation"}],"markDefs":[],"style":"h2"},{"_key":"d5c84b7da813","_type":"block","children":[{"_key":"679a12521cc5","_type":"span","marks":["2068a097a341"],"text":"Inflation"},{"_key":"554666ddbf0b","_type":"span","marks":[],"text":" may have cooled from the dizzying heights of 2022, but it’s still a slow burn on your savings. If your savings aren’t keeping pace, your purchasing power erodes over time. In other words, that £10 note might still look the same in 2030, but it’ll likely buy you less."}],"markDefs":[{"_key":"2068a097a341","_type":"glossaryPick","reference":{"_ref":"9d62b1af-7674-4f39-ba20-b0154d565241","_type":"reference"}}],"style":"normal"},{"_key":"73736f25f39c","_type":"block","children":[{"_key":"7e2d2c526f38","_type":"span","marks":[],"text":"This can have a big impact on longer-term finances such as retirement savings. The cumulative effect of many years of inflation can erode thousands of pounds off the value of your cash, so it’s really important to plan ahead if you want to make your pot last as long as possible."}],"markDefs":[],"style":"normal"},{"_key":"6537d5dc0d68","_type":"block","children":[{"_key":"46910fd7dba7","_type":"span","marks":[],"text":"What can you do? Leave only what you think you'll need at a pinch in cash as your emergency fund (more on this later). As for the rest - get investing. This way your savings won’t sit idly in a cash account losing value, but instead can take advantage of stock market growth and (if all goes well) earn you some "},{"_key":"6695f9390a3e","_type":"span","marks":["d8990ae490c8"],"text":"returns"},{"_key":"9f96c5ade4ff","_type":"span","marks":[],"text":" too."}],"markDefs":[{"_key":"d8990ae490c8","_type":"glossaryPick","reference":{"_ref":"f3dbc82f-00ff-44e5-957a-1f0281241668","_type":"reference"}}],"style":"normal"},{"_key":"dab1cb673cd9","_type":"block","children":[{"_key":"915e6112a31a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"813113368efe","_type":"blockQuote","adviserLink":{"_ref":"2c38b190-d267-46ed-ad23-0f7326d0794d","_type":"reference"},"adviserName":"Sam Secomb","jobTitle":"Chartered Financial Planner, Women's Wealth","photo":{"_type":"mainImage","asset":{"_ref":"image-b03e8f19631083d5c9e44c5a43deb082a1543d78-2000x1500-webp","_type":"reference"},"blankAltTag":true},"quote":[{"_key":"e2090ce60b37","_type":"block","children":[{"_key":"5cbd391ac4ed","_type":"span","marks":[],"text":"Don’t leave excessive amounts of money shrivelling up in bank and building society accounts where they have absolutely no hope of maintaining value over 5 or more years. "}],"markDefs":[],"style":"normal"}]},{"_key":"df16d7d59d3d","_type":"block","children":[{"_key":"1532d1731e49","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cd2dc897f813","_type":"block","children":[{"_key":"ef08875a94d5","_type":"span","marks":[],"text":"Of course, as always there’s the risk that the value of your investments can go down as well as up. However, if you’re worried about having enough money to last through your retirement, the eroding effect of inflation might be more of a concern to you than short-term market wobbles."}],"markDefs":[],"style":"normal"},{"_key":"afd8962a5e54","_type":"block","children":[{"_key":"7ab72710b4c2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"7b3f548c9f68","_type":"block","children":[{"_key":"306dbbf863ac","_type":"span","marks":["strong"],"text":"Smart ways to invest after retirement"}],"markDefs":[],"style":"normal"}],"_key":"f0415fb1a112","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"cd5c8e0b-5d12-4242-a352-7fa31a7cc8a0","_type":"reference"},"text":"FIND OUT"},{"_key":"d3b5294ceff4","_type":"block","children":[{"_key":"3d469bd9b439","_type":"span","marks":[],"text":""},{"_key":"628b9b1b552f","_type":"mainAnchor","pageAnchor":{"_ref":"86ba81a7-ff88-4348-8383-f5fcae9c0efa","_type":"reference"}},{"_key":"d3c26125d8c60","_type":"span","marks":[],"text":"2. Build an emergency fund"}],"markDefs":[],"style":"h2"},{"_key":"27397c2d0daf","_type":"block","children":[{"_key":"350303c868aa","_type":"span","marks":[],"text":"Think of your emergency fund as a shock absorber for your finances. It’s not exciting, but it is essential - especially in retirement, when it's often not as easy as picking up a few extra shifts to patch over a financial hit."}],"markDefs":[],"style":"normal"},{"_key":"f9df3a1dc939","_type":"block","children":[{"_key":"8f22cb20ca18","_type":"span","marks":[],"text":"If your boiler goes bust, the car gives up, or you suddenly need to fly abroad for a family emergency, that cost has to come from somewhere. And unless you’ve got an emergency pot to raid, you could end up dipping into your pension or selling investments. Even worse, you might have to sell at a loss if markets are down (this is the dreaded \""},{"_key":"f2daf16ba8f4","_type":"span","marks":["14017dbd66d7"],"text":"forced seller"},{"_key":"cf979d5b9876","_type":"span","marks":[],"text":"\" scenario)."}],"markDefs":[{"_key":"14017dbd66d7","_type":"glossaryPick","reference":{"_ref":"2e660c40-9c63-4fd4-a212-9c5fa9a12358","_type":"reference"}}],"style":"normal"},{"_key":"fefa9d2feb95","_type":"block","children":[{"_key":"7e63d8a53553","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5af376ca52fd","_type":"blockQuote","adviserLink":{"_ref":"2c38b190-d267-46ed-ad23-0f7326d0794d","_type":"reference"},"adviserName":"Sam Secomb","jobTitle":"Chartered Financial Planner, Women's Wealth","photo":{"_type":"mainImage","asset":{"_ref":"image-b03e8f19631083d5c9e44c5a43deb082a1543d78-2000x1500-webp","_type":"reference"},"blankAltTag":true},"quote":[{"_key":"94d8864247c2","_type":"block","children":[{"_key":"3b8c95dfb9f6","_type":"span","marks":[],"text":"The rule of thumb here is to have an emergency fund big enough to cover 3-6 months of committed spending – so food, bills and contractual payments – not holidays and takeaways! Also anything you need to spend in the next 5 years that is not covered by income. But if you keep more than this in cash, it’s a big mistake and you are getting poorer... see the prior point about inflation."}],"markDefs":[],"style":"normal"}]},{"_key":"9d359eb3e23c","_type":"prosConsWidget","pros":["3-6 months of essential spending - That’s your bills, food, mortgage or rent, and any other must-pay costs.","Any foreseeable major spending in the next five years - Like a new car, a wedding, or home renovations."],"prosTitle":"Aim to set aside:"},{"_key":"196b7fb8c965","_type":"block","children":[{"_key":"c3830752362e0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"511a879a9f29","_type":"block","children":[{"_key":"190b80bbb3c3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"85bf2bc4191f","_type":"block","children":[{"_key":"cf33a50e5b6e","_type":"span","marks":[],"text":"Even if you're already retired, it's not impossible to build an emergency fund, but you may have to be more disciplined about managing your money in the meantime. "}],"markDefs":[],"style":"normal"},{"_key":"49ab1c9039fb","_type":"block","children":[{"_key":"22e322d9166d","_type":"span","marks":[],"text":"This is where budgeting makes all the difference. It may take you a few years to build your pot, but with the help of different budgeting apps and tools, you can calculate a sensible amount to save regularly and track your spending to stay consistent. "}],"markDefs":[],"style":"normal"},{"_key":"7b1a509debb8","_type":"block","children":[{"_key":"4951c8d2fd96","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"a67be18af192","_type":"block","children":[{"_key":"10cbdfe4a581","_type":"span","marks":["strong"],"text":"Easy budgeting methods to help you save"}],"markDefs":[],"style":"normal"}],"_key":"64a97389d9f8","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"123705d4-b7fc-4bf5-ad46-27efe8ec0302","_type":"reference"},"text":"READ MORE"},{"_key":"c65948669841","_type":"block","children":[{"_key":"cb59597b0586","_type":"span","marks":[],"text":""},{"_key":"4500f9f511b9","_type":"mainAnchor","pageAnchor":{"_ref":"75af51c9-870b-4045-b4e9-91076cd83ab0","_type":"reference"}},{"_key":"7ef8ab05e342","_type":"span","marks":[],"text":"3. Understand all your income options"}],"markDefs":[],"style":"h2"},{"_key":"2ac39b4e3b8d","_type":"block","children":[{"_key":"c0a556b8fe3a","_type":"span","marks":[],"text":"Your pension might be your financial headliner, but it shouldn’t be the whole show. "}],"markDefs":[],"style":"normal"},{"_key":"a5350a8139b8","_type":"block","children":[{"_key":"3afa9f14683b","_type":"span","marks":[],"text":"Besides your pension pot, you may also have other sources of income you can draw from after retirement, from dividends and cash savings to rental property. These alternatives can help to supplement your living costs and ensure you're not running out of money in real time."}],"markDefs":[],"style":"normal"},{"_key":"7d28eebe454c","_type":"block","children":[{"_key":"6950f3435699","_type":"span","marks":[],"text":"Here are some common income sources that can keep cash flowing in retirement:"}],"markDefs":[],"style":"normal"},{"_key":"ee3d9a962fd3","_type":"block","children":[{"_key":"76de46e32af0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9c914066f2bb","_type":"dropdownWidget","items":[{"_key":"8f354cd3fcb8","_type":"dropdownObject","text":[{"_key":"52217d00fbbe","_type":"block","children":[{"_key":"023efd010f85","_type":"span","marks":[],"text":"If you hold investments such as "},{"_key":"001b37279142","_type":"span","marks":["a6cb38615370"],"text":"shares"},{"_key":"68d2aaeff78a","_type":"span","marks":[],"text":" or "},{"_key":"cdb9836075cf","_type":"span","marks":["ee92762b7dc5"],"text":"equity income funds"},{"_key":"c4fac571b55f","_type":"span","marks":[],"text":", you may receive "},{"_key":"981edd982d96","_type":"span","marks":["de50e46bf64a"],"text":"dividends"},{"_key":"060673856bdb","_type":"span","marks":[],"text":" – a portion of a company’s profits paid out in cash to shareholders. 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The good news is that you can pay to plug the gaps - by getting 'credits' – which you can use to top up your NI contributions and get yourself more State Pension."}],"markDefs":[],"style":"normal"},{"_key":"806325d8df69","_type":"block","children":[{"_key":"c005c2fd3bfc0","_type":"span","marks":[],"text":"Previously, individuals of a certain age were able to pay to fill gaps in their NI contribution record dating back to 2006 in exchange for more State Pension. This was eligible for men born after 5 April 1951 and women born after 5 April 1953. However, as at 6 April 2025, you can only plug gaps going back six tax years."}],"markDefs":[],"style":"normal"},{"_key":"da9f749ab845","_type":"block","children":[{"_key":"b7cfad9df32e","_type":"span","marks":[],"text":"Filling gaps in your NI record will cost you approximately £824 per year (partial years cost less). For each year you fill, you get an extra 1/35th of State Pension - which works out at around £342. This means you effectively earn your money back in around three years, so it can prove very good value."}],"markDefs":[],"style":"normal"},{"_key":"8cd4364db97f","_type":"block","children":[{"_key":"9239ee6a43750","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"56697684a825","_type":"block","children":[{"_key":"31341414c2ff","_type":"span","marks":["strong"],"text":"How can I top up my State Pension entitlement?"}],"markDefs":[],"style":"normal"}],"_key":"64df4e709838","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"7fb165cd-6350-4acf-853c-9020f0c1a257","_type":"reference"},"text":"FIND OUT"},{"_key":"acf529478d09","_type":"block","children":[{"_key":"159480505970","_type":"span","marks":[],"text":""},{"_key":"37f88c7d8f65","_type":"mainAnchor","pageAnchor":{"_ref":"cb0b2053-702d-4be6-bf0a-e0ceab6b047c","_type":"reference"}},{"_key":"3a3d0f262fd7","_type":"span","marks":[],"text":"Can I defer my State Pension?"}],"markDefs":[],"style":"h2"},{"_key":"8cff65f63c0a","_type":"block","children":[{"_key":"cef657a610ba","_type":"span","marks":[],"text":"You don't get your State Pension automatically - you have to claim it from the government. You usually receive a letter no later than 8 weeks before you reach State Pension age telling you what to do. However, you don't have to take your State Pension at your State Pension age. You can put off receiving the payments and this can actually increase the amount you will get when you do claim it. "}],"markDefs":[],"style":"normal"},{"_key":"7a880b9e331b","_type":"block","children":[{"_key":"e29d7dc9abb2","_type":"span","marks":[],"text":"To defer your State Pension, you don't have to do anything as it will be automatically deferred until you claim it yourself. 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"}],"markDefs":[],"style":"normal"},{"_key":"7ec1c1bd7375","_type":"block","children":[{"_key":"2ea2e7115e55","_type":"span","marks":[],"text":"The government's MoneyHelper service has a great breakdown of how pensions work for self-employed people "},{"_key":"66b4762797ec","_type":"span","marks":["e4408cb38bde"],"text":"here"},{"_key":"ba5793ee7be3","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"e4408cb38bde","_type":"internalLinkPick","blank":true,"reference":{"_ref":"5f20efea-a891-4fb0-86af-5d55f29b4094","_type":"reference"}}],"style":"normal"},{"_key":"440c3b502bda","_type":"block","children":[{"_key":"cc46df665567","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"9f6b6ddfaef7","_type":"block","children":[{"_key":"4f5400914c82","_type":"span","marks":["strong"],"text":"Self-employed retirement tips: Top pension planning strategies"}],"markDefs":[],"style":"normal"}],"_key":"a9e10394854f","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"5775b807-ac97-4a04-8329-cb7734a2dbf9","_type":"reference"},"text":"READ MORE"},{"_key":"258a4c630c9c","_type":"block","children":[{"_key":"a4018b51b8a40","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"bcf37201964a","_type":"block","children":[{"_key":"70491d3dd0de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6a5441f4265e","_type":"block","children":[{"_key":"6d12e468e2df","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"be8a91e62ca6","_type":"block","children":[{"_key":"12394241aac1","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"c1bcbef06414","_type":"block","children":[{"_key":"0b983db2d8a7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"15dfd1fe514c","_type":"block","children":[{"_key":"12ddbc28d4c7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3ad611a543c0","_type":"block","children":[{"_key":"d003305d61bb","_type":"span","marks":["c05054648d51"],"text":"[1] Department for Work & Pensions, August 2025"}],"markDefs":[{"_key":"c05054648d51","_type":"internalLinkPick","blank":true,"reference":{"_ref":"fafbd3b6-6315-4636-9330-07d82be80ca5","_type":"reference"}}],"style":"normal"},{"_key":"f8790c237588","_type":"block","children":[{"_key":"d41b088b03b9","_type":"span","marks":["5b8890be315b"],"text":"[2] Department for Work & Pensions, August 2025"}],"markDefs":[{"_key":"5b8890be315b","_type":"internalLinkPick","blank":true,"reference":{"_ref":"fafbd3b6-6315-4636-9330-07d82be80ca5","_type":"reference"}}],"style":"normal"}],"brazeCustomAttributes":[{"_key":"ab4dc7ef3c7c","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_Article_Gated","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/state-pension/"}],"categories":[{"_key":"92f3bddfe459","_ref":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","_type":"reference"},{"_key":"950e4b769f8b","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"124cedb870dc","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"emailSignupWidgetButtonText":"SIGN UP","emailSignupWidgetImage":{"_type":"mainImage","alt":"Gated content"},"emailSignupWidgetParagraphText":"Join Boring Money for free today to make better money choices, whether using our guides, expert analysis, or comparison tools to find the best home for your money. 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"}],"markDefs":[],"style":"normal"},{"_key":"8266fef6d787","_type":"block","children":[{"_key":"0e38a52b507f","_type":"span","marks":[],"text":"Income Tax is a tax that you pay to the UK government on your earnings and/or profits (your \"taxable income\") if they exceed the annual Personal Allowance, which is £12,570 for the 2025-26 tax year. This is the maximum amount you’re allowed to earn before you must start paying Income Tax. 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Boring Money research found that 7 in 10 pension holders under the age of 45 think that pensions are confusing, and even among those approaching retirement, 47% say they still don't have a plan in place."},{"_key":"cc5efddf57c8","_type":"span","marks":["strong","51e1c50e01b3"],"text":"[1]"}],"markDefs":[{"_key":"51e1c50e01b3","_type":"internalLinkPick","blank":true,"reference":{"_ref":"cb1d8d3d-de5d-4fce-aa1e-6a7c84446480","_type":"reference"}}],"style":"normal"},{"_key":"d448b08cb0bf","_type":"block","children":[{"_key":"9839342da5e3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6cf944e71db1","_type":"mainImage","alt":" ","asset":{"_ref":"image-ed83015151341970039cdd88916192db13fbbc78-1920x1080-png","_type":"reference"}},{"_key":"33b990396a65","_type":"anchorMenuMobile","title":"Mobile anchor menu"},{"_key":"f1d1e51f0ae2","_type":"block","children":[{"_key":"2bce1972b448","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"396c08447d44","_type":"block","children":[{"_key":"d033c07b83c3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f167264a29a1","_type":"block","children":[{"_key":"26c1f202f7ac","_type":"span","marks":[],"text":"It can be hard enough just to understand what you've already got, let alone whether it's enough and how you should use it. That's why thousands of people seek professional financial advice every year to help them sort out their retirement plan, with 4 in 10 non-retired individuals saying they intend to contact an adviser about their pension \"at some point\"."},{"_key":"26a877e0c683","_type":"span","marks":["a423cb4aa46a"],"text":"[2]"}],"markDefs":[{"_key":"a423cb4aa46a","_type":"internalLinkPick","blank":true,"reference":{"_ref":"cb1d8d3d-de5d-4fce-aa1e-6a7c84446480","_type":"reference"}}],"style":"normal"},{"_key":"1819599753ab","_type":"block","children":[{"_key":"15a25693be71","_type":"span","marks":[],"text":"Fortunately, there are several different ways you can get help with your pension and retirement planning, whether you fancy chatting to an actual human being or prefer an online solution from the comfort of your own couch. "}],"markDefs":[],"style":"normal"},{"_key":"f749607c048b","_type":"block","children":[{"_key":"e207d2649f86","_type":"span","marks":[],"text":"In this article, we run through three main ways you can get professional help - from the tried-and-tested route of traditional advice to convenient fixed-fee packages. But first, do you really need advice?"}],"markDefs":[],"style":"normal"},{"_key":"6b8d5eac7111","_type":"block","children":[{"_key":"0ab516dafc68","_type":"span","marks":[],"text":""},{"_key":"898f183d12d1","_type":"mainAnchor","pageAnchor":{"_ref":"e383ddfb-0dfd-4a4d-92fd-23b3b94f1a2b","_type":"reference"}},{"_key":"9075d442ec70","_type":"span","marks":[],"text":"Do you need financial advice to plan for retirement?"}],"markDefs":[],"style":"h2"},{"_key":"3a40e5f08e56","_type":"block","children":[{"_key":"4e5273a9f645","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9aeeaa6300a2","_type":"blockQuote","adviserName":"Nigel Green","jobTitle":"CEO & Founder, deVere Group","photo":{"_type":"mainImage","blankAltTag":true},"quote":[{"_key":"07e62f7b557e","_type":"block","children":[{"_key":"74b83301f940","_type":"span","marks":[],"text":"There’s a retirement crisis looming for Britons. Too many people are simply not saving enough, and they don’t realise just how much more they will need to retire comfortably in the future."}],"markDefs":[],"style":"normal"}]},{"_key":"72c174fb86a4","_type":"block","children":[{"_key":"eef3411a9a88","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e609992f0271","_type":"block","children":[{"_key":"7abc2ca9069b","_type":"span","marks":[],"text":"Approaching retirement is a common trigger for getting financial advice; Nearly 1 in 5 of all non-retired UK adults aged 55 and over are considering taking advice in the next 12 months."},{"_key":"2501d6ae4843","_type":"span","marks":["6023de6b0e2d"],"text":"[3]"}],"markDefs":[{"_key":"6023de6b0e2d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"cb1d8d3d-de5d-4fce-aa1e-6a7c84446480","_type":"reference"}}],"style":"normal"},{"_key":"802f145d74ba","_type":"block","children":[{"_key":"407f293c0a33","_type":"span","marks":[],"text":"Though it may seem like a relatively boring admin task, having a proper retirement plan in place is crucial to ensuring you can live comfortably after you finish work. With more of us living longer than ever before, the risk of running out of money is on the up. In fact, a 2024 report found that an overwhelming 73% of Brits are on not on track to retire with sufficient funds to maintain their lifestyle."},{"_key":"90f97b08c4d7","_type":"span","marks":["b89ec8b3756a"],"text":"[4]"}],"markDefs":[{"_key":"b89ec8b3756a","_type":"internalLinkPick","blank":true,"reference":{"_ref":"5ef0b8e1-80c1-45e5-9951-9d4284890dfb","_type":"reference"}}],"style":"normal"},{"_key":"7779d957a91e","_type":"block","children":[{"_key":"ea5bdf446ead","_type":"span","marks":[],"text":"If you're unsure if you're saving enough, confused about your options (what are "},{"_key":"b8097ce05f6e","_type":"span","marks":["5954acc1997c"],"text":"drawdown and annuity"},{"_key":"0ab43a81c1f7","_type":"span","marks":[],"text":" anyway?!) or just want to make sure that you're on the right track to afford the retirement you've been working towards, it's worth considering getting financial advice especially when it comes to pensions and retirement, as these topics are typically complex and can differ greatly depending on your unique circumstances."}],"markDefs":[{"_key":"5954acc1997c","_type":"internalLinkPick","reference":{"_ref":"79fcc0a0-e069-4ec5-b1ea-8a6a48d6fb5e","_type":"reference"}}],"style":"normal"},{"_key":"9c33324e138e","_type":"block","children":[{"_key":"1ef54a870bbc","_type":"span","marks":[],"text":"There are a number of different ways you can access financial advice these days, and the cost isn't always as high as you might think. Let's run through the three main ways you can get professional help with retirement planning."}],"markDefs":[],"style":"normal"},{"_key":"dde1d691c178","_type":"block","children":[{"_key":"74630ff7ae11","_type":"span","marks":[],"text":""},{"_key":"59fd859e3d88","_type":"mainAnchor","pageAnchor":{"_ref":"d7466d9b-16bf-4103-9a3d-092b82ca4938","_type":"reference"}},{"_key":"5230c2999e500","_type":"span","marks":[],"text":"1. Traditional advice"}],"markDefs":[],"style":"h2"},{"_key":"a8ab302b87dd","_type":"block","children":[{"_key":"ca2f5d3d38d80","_type":"span","marks":[],"text":"If planning for your retirement is proving to be a complete headache, you can pay for a professional to help you (and manage some of that dreaded paperwork!) by hiring a qualified financial adviser. They can assess your current savings and help you achieve the retirement you're aiming for. "}],"markDefs":[],"style":"normal"},{"_key":"3e0e6e57d988","_type":"block","children":[{"_key":"c2b7b1bf5b53","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a42994d5a9e2","_type":"prosConsWidget","pros":["Calculating how much you've already saved up","Working out how much you need for your ideal retirement lifestyle","Explaining ways you can boost your savings","Creating a sustainable spending plan after you retire"," Advising you on how to minimise or mitigate tax"],"prosTitle":"Here's a list of some key things a financial adviser can help you with:"},{"_key":"a2cdc24ecf36","_type":"block","children":[{"_key":"ab1e82be9262","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ee7462d7a4c7","_type":"block","children":[{"_key":"5d600adb0235","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a4202ab41097","_type":"block","children":[{"_key":"10bfcd128bf7","_type":"span","marks":[],"text":"Financial advice is often wise as you prepare to retire to ensure that you're doing the right thing with your money. It's even more pertinent for high earners (who may have a lot of tax implications to consider), people with defined benefit or 'final salary' pensions (which typically come with certain 'guarantees' and benefits granted upon retirement), and those with complicated family arrangements (for example, if you're divorced and your ex-partner has made a claim on your pension)."}],"markDefs":[],"style":"normal"},{"_key":"7baf467bc8dc","_type":"block","children":[{"_key":"5c2a9cc54cf2","_type":"span","marks":[],"text":"The cost of financial advice differs from provider to provider and depending on the extent of advice you require, but you can generally expect to pay an upfront fee of about 3% of your total assets, around 0.5-2% as an ongoing advisory fee, or between £150-200 per hour. "}],"markDefs":[],"style":"normal"},{"_key":"77009109255c","_type":"block","children":[{"_key":"f9c3ec0c68c3","_type":"span","marks":[],"text":"Most providers also have a minimum threshold for the value of your portfolio before you can access their advisory services. This differs and can be influenced by your lifestage (e.g. you may need to have a larger pot if you are older, but younger individuals may be able to apply with a smaller portfolio)."}],"markDefs":[],"style":"normal"},{"_key":"6b06a6d6d7c4","_type":"block","children":[{"_key":"74ecfa7e34af","_type":"span","marks":[],"text":"Although it's generally considered a wise idea to contact a financial adviser in the lead-up to retirement, it's not always easy to find one - or to know where to start searching! Fortunately, we've hand-picked qualified financial advisers from all across the UK to help you. Click the link below to visit our Adviser Directory and search for financial advisers near you."}],"markDefs":[],"style":"normal"},{"_key":"d0eb6595f3f9","_type":"block","children":[{"_key":"888df770217e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"7357ae572460","_type":"block","children":[{"_key":"c0319c3348ef","_type":"span","marks":["strong"],"text":"Find a financial adviser"}],"markDefs":[],"style":"normal"}],"_key":"17b6627f7aa8","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":false,"reference":{"_ref":"63a19438-721c-4042-b811-f8f2af951e0e","_type":"reference"},"text":"SEARCH"},{"_key":"27be2be41dda","_type":"block","children":[{"_key":"7ef1cf4cf853","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"382b5a03b5f2","_type":"block","children":[{"_key":"1debfb3bc63a","_type":"span","marks":[],"text":""},{"_key":"fb3507ea97f8","_type":"mainAnchor","pageAnchor":{"_ref":"a602acf7-a32a-4c38-bf07-ba0732493418","_type":"reference"}},{"_key":"5c429f55dc430","_type":"span","marks":[],"text":"2. Fixed-fee packages"}],"markDefs":[],"style":"h2"},{"_key":"16073eb664fe","_type":"block","children":[{"_key":"1153e460e5300","_type":"span","marks":[],"text":"Alternatively, you can pay for a provider to help you organise your finances in later life for a single, fixed fee. These packages are designed to assess your current situation and outline a plan to prepare for retirement. The idea is that, by the end, you'll be content with your pension and ready to retire on your own terms. "}],"markDefs":[],"style":"normal"},{"_key":"e04cd4b3cff8","_type":"block","children":[{"_key":"a9a5cb1aff7d","_type":"span","marks":[],"text":"There are a number of providers on the market which offer these fixed-fee packages for retirement and/or pension planning. 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Despite the ease and convenience of digital advice, you may find that you want more comprehensive financial advice. Pensions and retirement are naturally complex topics and certain questions may be better answered in person by traditional advisers or with the use of a fixed-fee package - particularly if you're a higher wealth individual, if you have any defined benefit pensions or complex family arrangements."},"text":[{"_key":"833399e9b77d","_type":"block","children":[{"_key":"37f1bb54ac77","_type":"span","marks":["strong"],"text":"NB. "},{"_key":"11a240e43e8a","_type":"span","marks":[],"text":"Despite the ease and convenience of digital advice, you may find that you want more comprehensive financial advice. 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Boring Money research found that 7 in 10 pension holders under the age of 45 think that pensions are confusing, and even among those approaching retirement, 47% say they still don't have a plan in place."},{"_key":"f7fafa6bd08f","_type":"span","marks":["strong","883452511433"],"text":"[1]"}],"markDefs":[{"_key":"883452511433","_type":"internalLinkPick","blank":true,"reference":{"_ref":"cb1d8d3d-de5d-4fce-aa1e-6a7c84446480","_type":"reference"}}],"style":"normal"},{"_key":"d0bda58bc6a4","_type":"block","children":[{"_key":"dc197e85b22e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"29398a8ad822","_type":"mainImage","alt":" ","asset":{"_ref":"image-ed83015151341970039cdd88916192db13fbbc78-1920x1080-png","_type":"reference"}},{"_key":"51eab4bf333a","_type":"anchorMenuMobile","title":"Mobile anchor menu"},{"_key":"3bfb3cf59db5","_type":"block","children":[{"_key":"dfecad1658af","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e5f826e09961","_type":"block","children":[{"_key":"883baa201618","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8029f8806791","_type":"block","children":[{"_key":"cbce11540d74","_type":"span","marks":[],"text":"It can be hard enough just to understand what you've already got, let alone whether it's enough and how you should use it. That's why thousands of people seek professional financial advice every year to help them sort out their retirement plan, with 4 in 10 non-retired individuals saying they intend to contact an adviser about their pension \"at some point\"."},{"_key":"eff1de6331a6","_type":"span","marks":["b4250c3ad566"],"text":"[2]"}],"markDefs":[{"_key":"b4250c3ad566","_type":"internalLinkPick","blank":true,"reference":{"_ref":"cb1d8d3d-de5d-4fce-aa1e-6a7c84446480","_type":"reference"}}],"style":"normal"},{"_key":"c258ab2bad05","_type":"block","children":[{"_key":"bbc956d54233","_type":"span","marks":[],"text":"Fortunately, there are several different ways you can get help with your pension and retirement planning, whether you fancy chatting to an actual human being or prefer an online solution from the comfort of your own couch. "}],"markDefs":[],"style":"normal"},{"_key":"c513a6ac8d9e","_type":"block","children":[{"_key":"72590df7cc1b","_type":"span","marks":[],"text":"In this article, we run through three main ways you can get professional help - from the tried-and-tested route of traditional advice to convenient fixed-fee packages. But first, do you really need advice?"}],"markDefs":[],"style":"normal"},{"_key":"179fc0e7edc5","_type":"block","children":[{"_key":"deb48cf29d1b","_type":"span","marks":[],"text":""},{"_key":"23b0dd8f1462","_type":"mainAnchor","pageAnchor":{"_ref":"e383ddfb-0dfd-4a4d-92fd-23b3b94f1a2b","_type":"reference"}},{"_key":"c49e251762ac","_type":"span","marks":[],"text":"Do you need financial advice to plan for retirement?"}],"markDefs":[],"style":"h2"},{"_key":"6382f14ecb82","_type":"block","children":[{"_key":"fc9a42c75d4e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"08aadc91d778","_type":"blockQuote","adviserName":"Nigel Green","jobTitle":"CEO & Founder, deVere Group","photo":{"_type":"mainImage","blankAltTag":true},"quote":[{"_key":"07e62f7b557e","_type":"block","children":[{"_key":"74b83301f940","_type":"span","marks":[],"text":"There’s a retirement crisis looming for Britons. Too many people are simply not saving enough, and they don’t realise just how much more they will need to retire comfortably in the future."}],"markDefs":[],"style":"normal"}]},{"_key":"564fa3a7b0e4","_type":"block","children":[{"_key":"0593ff5b3a33","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"28250afe18f8","_type":"block","children":[{"_key":"0d289e004294","_type":"span","marks":[],"text":"Approaching retirement is a common trigger for getting financial advice; Nearly 1 in 5 of all non-retired UK adults aged 55 and over are considering taking advice in the next 12 months."},{"_key":"fc9e707c0035","_type":"span","marks":["347f449113af"],"text":"[3]"}],"markDefs":[{"_key":"347f449113af","_type":"internalLinkPick","blank":true,"reference":{"_ref":"cb1d8d3d-de5d-4fce-aa1e-6a7c84446480","_type":"reference"}}],"style":"normal"},{"_key":"4d8eb32edb7f","_type":"block","children":[{"_key":"20b4cb114610","_type":"span","marks":[],"text":"Though it may seem like a relatively boring admin task, having a proper retirement plan in place is crucial to ensuring you can live comfortably after you finish work. With more of us living longer than ever before, the risk of running out of money is on the up. In fact, a 2024 report found that an overwhelming 73% of Brits are on not on track to retire with sufficient funds to maintain their lifestyle."},{"_key":"f7f8d714e930","_type":"span","marks":["4992cdedf90b"],"text":"[4]"}],"markDefs":[{"_key":"4992cdedf90b","_type":"internalLinkPick","blank":true,"reference":{"_ref":"5ef0b8e1-80c1-45e5-9951-9d4284890dfb","_type":"reference"}}],"style":"normal"},{"_key":"9e6010bb85c6","_type":"block","children":[{"_key":"b1181372c519","_type":"span","marks":[],"text":"If you're unsure if you're saving enough, confused about your options (what are "},{"_key":"f9ff937e28e6","_type":"span","marks":["9ac3456f36d1"],"text":"drawdown and annuity"},{"_key":"c6b4c1200a6f","_type":"span","marks":[],"text":" anyway?!) or just want to make sure that you're on the right track to afford the retirement you've been working towards, it's worth considering getting financial advice. Especially when it comes to pensions and retirement, as these topics are typically complex and can differ greatly depending on your unique circumstances."}],"markDefs":[{"_key":"9ac3456f36d1","_type":"internalLinkPick","reference":{"_ref":"79fcc0a0-e069-4ec5-b1ea-8a6a48d6fb5e","_type":"reference"}}],"style":"normal"},{"_key":"7a90a15bf0e7","_type":"block","children":[{"_key":"a6c35697dc5a","_type":"span","marks":[],"text":"There are a number of different ways you can access financial advice these days, and the cost isn't always as high as you might think. Let's run through the three main ways you can get professional help with retirement planning."}],"markDefs":[],"style":"normal"},{"_key":"5b92c38b3d1d","_type":"block","children":[{"_key":"3f64a5bfe9cf","_type":"span","marks":[],"text":""},{"_key":"ee369b268aca","_type":"mainAnchor","pageAnchor":{"_ref":"d7466d9b-16bf-4103-9a3d-092b82ca4938","_type":"reference"}},{"_key":"dd9a68f17c34","_type":"span","marks":[],"text":"1. Traditional advice"}],"markDefs":[],"style":"h2"},{"_key":"12166f1b5c32","_type":"block","children":[{"_key":"584e818aac48","_type":"span","marks":[],"text":"If planning for your retirement is proving to be a complete headache, you can pay for a professional to help you (and manage some of that dreaded paperwork!) by hiring a qualified financial adviser. They can assess your current savings and help you achieve the retirement you're aiming for. "}],"markDefs":[],"style":"normal"},{"_key":"167ed5b37c03","_type":"block","children":[{"_key":"db0e43d33e83","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a5193badb017","_type":"prosConsWidget","pros":["Calculating how much you've already saved up","Working out how much you need for your ideal retirement lifestyle","Explaining ways you can boost your savings","Creating a sustainable spending plan after you retire"," Advising you on how to minimise or mitigate tax"],"prosTitle":"Here's a list of some key things a financial adviser can help you with:"},{"_key":"ef385e3a93c5","_type":"block","children":[{"_key":"cbb3d77fcdd1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a266001aa0f3","_type":"block","children":[{"_key":"5c54b74d894f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c69446832833","_type":"block","children":[{"_key":"5c802beca493","_type":"span","marks":[],"text":"Financial advice is often wise as you prepare to retire to ensure that you're doing the right thing with your money. It's even more pertinent for high earners (who may have a lot of tax implications to consider), people with defined benefit or 'final salary' pensions (which typically come with certain 'guarantees' and benefits granted upon retirement), and those with complicated family arrangements (for example, if you're divorced and your ex-partner has made a claim on your pension)."}],"markDefs":[],"style":"normal"},{"_key":"42e0fd450180","_type":"block","children":[{"_key":"c472667f94a9","_type":"span","marks":[],"text":"The cost of financial advice differs from provider to provider and depending on the extent of advice you require, but you can generally expect to pay an upfront fee of about 3% of your total assets, around 0.5-2% as an ongoing advisory fee, or between £150-200 per hour. "}],"markDefs":[],"style":"normal"},{"_key":"5117975285ec","_type":"block","children":[{"_key":"d7ff71ed504a","_type":"span","marks":[],"text":"Most providers also have a minimum threshold for the value of your portfolio before you can access their advisory services. This differs and can be influenced by your lifestage (e.g. you may need to have a larger pot if you are older, but younger individuals may be able to apply with a smaller portfolio). "}],"markDefs":[],"style":"normal"},{"_key":"634e6b80b2b7","_type":"block","children":[{"_key":"55b0ce90d5ed","_type":"span","marks":[],"text":"Although it's generally considered a wise idea to contact a financial adviser in the lead-up to retirement, it's not always easy to find one - or to know where to start searching! Fortunately we've hand-picked qualified financial advisers from all across the UK to help you. Click the link below to visit our Adviser Directory and search for financial advisers near you."}],"markDefs":[],"style":"normal"},{"_key":"06065c6b0772","_type":"block","children":[{"_key":"e2491a70c679","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"7357ae572460","_type":"block","children":[{"_key":"c0319c3348ef","_type":"span","marks":["strong"],"text":"Find a financial adviser"}],"markDefs":[],"style":"normal"}],"_key":"b35b0b15bd77","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":false,"reference":{"_ref":"63a19438-721c-4042-b811-f8f2af951e0e","_type":"reference"},"text":"SEARCH"},{"_key":"e9da65cac578","_type":"block","children":[{"_key":"d4fd4c583849","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b123cbae051c","_type":"block","children":[{"_key":"1ee6ea95b6fa","_type":"span","marks":[],"text":""},{"_key":"9dd532bed05f","_type":"mainAnchor","pageAnchor":{"_ref":"a602acf7-a32a-4c38-bf07-ba0732493418","_type":"reference"}},{"_key":"db89671f58c0","_type":"span","marks":[],"text":"2. Fixed-fee packages"}],"markDefs":[],"style":"h2"},{"_key":"67f6135989af","_type":"block","children":[{"_key":"97582eea670e","_type":"span","marks":[],"text":"Alternatively, you can pay for a provider to help you organise your finances in later life for a single, fixed fee. These packages are designed to assess your current situation and outline a plan to prepare for retirement. The idea is that, by the end, you'll be content with your pension and ready to retire on your own terms. "}],"markDefs":[],"style":"normal"},{"_key":"59d807364b3c","_type":"block","children":[{"_key":"e7a4966dc79b","_type":"span","marks":[],"text":"There are a number of providers on the market which offer these fixed-fee packages for retirement and/or pension planning. 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"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"51d26cf994e2","_type":"block","children":[{"_key":"4507c1a82733","_type":"span","marks":[],"text":"The State Pension age rose to 66 in October 2020. It will go up again to 67 between 2026 - 2028, and 68 between 2044 - 2046."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7ce2ad05e49c","_type":"block","children":[{"_key":"1e9792642754","_type":"span","marks":[],"text":"You can get a State Pension forecast on the GOV.UK website to see how much you could get and when."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"89da3bf2a197","_type":"block","children":[{"_key":"1a7ffe3d21d0","_type":"span","marks":[],"text":""},{"_key":"d643afedbaf8","_type":"mainAnchor","pageAnchor":{"_ref":"324318c3-df5b-48b0-b1e9-a9ca1902ed41","_type":"reference"}},{"_key":"a3ed12372110","_type":"span","marks":[],"text":"The basics of the UK State Pension"}],"markDefs":[],"style":"h2"},{"_key":"b96541cfa7ad","_type":"block","children":[{"_key":"00e7b0f2aa98","_type":"span","marks":[],"text":"The state pays you an income after you have retired - this is called your State Pension. It's not a fortune, but is intended to ensure we all have a basic amount of money to support us in our old age. "}],"markDefs":[],"style":"normal"},{"_key":"d9cce968fdd0","_type":"block","children":[{"_key":"060b2909c2a4","_type":"span","marks":[],"text":"Your entitlement is linked to your National Insurance contributions and you will only receive the full amount if you have paid these for a certain number of years. The good news is that these don't all have to be consecutive. As long as you have paid NI for the specified number of years, you will be eligible for the full State Pension amount. "}],"markDefs":[],"style":"normal"},{"_key":"7cd5dda7dace","_type":"block","children":[{"_key":"c3f65ae420a2","_type":"span","marks":[],"text":"There are two types of State Pension which have slightly different rules and eligibility depending on whether you're a man or a woman and when you were born.  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For the 2026-27 tax year, the full New State Pension is £241.3 a week or £12,548 a year."}],"markDefs":[],"style":"normal"},{"_key":"d853eb36c9d0","_type":"block","children":[{"_key":"20d0c42ffe3d","_type":"span","marks":[],"text":"You must have paid NI contributions for a minimum of 10 years to qualify for any New State Pension and you must have 35 years of contributions to qualify for the full New State Pension."}],"markDefs":[],"style":"normal"},{"_key":"3addcfdf23b8","_type":"block","children":[{"_key":"4d8c1b68d2f8","_type":"span","marks":[],"text":"If you have fewer than the minimum number of 35 qualifying years of NI contributions, the amount of New State Pension you receive will be less than the full £232.25 a week."}],"markDefs":[],"style":"normal"},{"_key":"e22786b3848d","_type":"block","children":[{"_key":"a7133f414f6b","_type":"span","marks":[],"text":""},{"_key":"65554faee71b","_type":"mainAnchor","pageAnchor":{"_ref":"7293ea82-9217-4cdc-85f4-5bce05105700","_type":"reference"}},{"_key":"2f8fa2b440d3","_type":"span","marks":[],"text":"Basic State Pension"}],"markDefs":[],"style":"h3"},{"_key":"f5fe24f35ba4","_type":"block","children":[{"_key":"164562c21d600","_type":"span","marks":[],"text":"If you're a man born after 6 April 1945 and before 6 April 1951 or a woman born after 5 April 1950 and before 6 April 1953, you are entitled to the Basic State Pension. For the 2026-27 tax year, the full Basic State Pension is £184.90 per week or £9,614.8 a year."}],"markDefs":[],"style":"normal"},{"_key":"854092d8a450","_type":"block","children":[{"_key":"a33542779de4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1d14da422b3a","_type":"block","children":[{"_key":"88086cfe81f00","_type":"span","marks":[],"text":"If you have fewer than the minimum number of qualifying years, the amount of Basic State Pension you receive will be less than the full £184.90 per week."}],"markDefs":[],"style":"normal"},{"_key":"1a2a1b494746","_type":"block","children":[{"_key":"e84bf4b05e50","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a0a3f34d8a66","_type":"block","children":[{"_key":"81274b095bc8","_type":"span","marks":["strong"],"text":"Calculate your state pension age below"}],"markDefs":[],"style":"normal"},{"_key":"6b53c679739d","_type":"retirementCalc","retTitle":"UK retirement calculator"},{"_key":"c1d55977c71b","_type":"block","children":[{"_key":"624899f8821c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2540f46d6880","_type":"block","children":[{"_key":"637a92e11d98","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d339ac9ee1a4","_type":"block","children":[{"_key":"38f85c358fac","_type":"span","marks":[],"text":""},{"_key":"5edab743e63d","_type":"mainAnchor","pageAnchor":{"_ref":"1b6ced62-7f07-4cc5-8328-a9c888d6d2ec","_type":"reference"}},{"_key":"e3f332eb1096","_type":"span","marks":[],"text":"What is the State Pension age and when does it change?"}],"markDefs":[],"style":"h2"},{"_key":"6d140678e488","_type":"block","children":[{"_key":"68647b42c09b","_type":"span","marks":[],"text":"The State Pension age is the minimum age you must be before you are able to receive your State Pension. It is currently 66, but is scheduled to be increased to 67 between 2026 and 2028, and again to 68 between 2044 and 2046. "}],"markDefs":[],"style":"normal"},{"_key":"31860fdd0926","_type":"block","children":[{"_key":"4edf80531f70","_type":"span","marks":[],"text":"In the UK, the State Pension age is periodically reviewed by the government. The Pensions Act 2014 legislated for occasional inquiries to assess \"whether the rules about pensionable age are appropriate\" and \"have regard to life expectancy\".[1]"}],"markDefs":[],"style":"normal"},{"_key":"a3f9a9a501dd","_type":"block","children":[{"_key":"db13f2a0a08f","_type":"span","marks":[],"text":"It stipulates the State Pension age must be informed by findings from two independent reports and consider \"linking State Pension age to life expectancy and the role of State Pension age in managing the long-term sustainability of the State Pension\".[2]"}],"markDefs":[],"style":"normal"},{"_key":"5a034e1fa5aa","_type":"block","children":[{"_key":"2a0c8fa62e2d","_type":"span","marks":[],"text":"State Pension age upcoming changes"}],"markDefs":[],"style":"h4"},{"_key":"310fcdb2180c","_type":"tableControl","rows":[{"_key":"f4c77c7c661d","_type":"row","cells":[{"_key":"00a7b5cb887d","_type":"cell","tableStyle":"W","value":[{"_key":"af9e7c1ed012","_type":"block","children":[{"_key":"cde5146f5ae5","_type":"span","marks":["strong"],"text":"Current State Pension Age"}],"markDefs":[],"style":"normal"}]},{"_key":"029e323f4c66","_type":"cell","tableStyle":"W","value":[{"_key":"51374614eff6","_type":"block","children":[{"_key":"c5fd7456a343","_type":"span","marks":["strong"],"text":"66"}],"markDefs":[],"style":"normal"}]}]},{"_key":"cd61fbf4eedd","_type":"row","cells":[{"_key":"c1f45f53a365","_type":"cell","tableStyle":"W","value":[{"_key":"482481cea5a6","_type":"block","children":[{"_key":"9236faa0ae3f","_type":"span","marks":[],"text":"From 2026-2028"}],"markDefs":[],"style":"normal"}]},{"_key":"43f36cf04ee9","_type":"cell","tableStyle":"W","value":[{"_key":"63b496d11f8b","_type":"block","children":[{"_key":"66b214d56073","_type":"span","marks":[],"text":"67"}],"markDefs":[],"style":"normal"}]}]},{"_key":"20ea92983f75","_type":"row","cells":[{"_key":"1821dedcb8b6","_type":"cell","value":[{"_key":"4e9ac1888beb","_type":"block","children":[{"_key":"765a8d39c639","_type":"span","marks":[],"text":"From 2044-2046"}],"markDefs":[],"style":"normal"}]},{"_key":"8acbb1c623c3","_type":"cell","tableStyle":"W","value":[{"_key":"5b8918a6ea9a","_type":"block","children":[{"_key":"b344198598ec","_type":"span","marks":[],"text":"68"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"ALL-W"},{"_key":"e0476deb53cc","_type":"block","children":[{"_key":"f3f5f520111c","_type":"span","marks":["em"],"text":"Source: Department for Work & Pensions, 2025."}],"markDefs":[],"style":"small"},{"_key":"033872bab760","_type":"block","children":[{"_key":"0b820edbdaff","_type":"span","marks":[],"text":""},{"_key":"b5308a81d4a5","_type":"mainAnchor","pageAnchor":{"_ref":"09680b41-2a83-4026-9fae-5dc08e5f6181","_type":"reference"}},{"_key":"9e64dc58ee19","_type":"span","marks":[],"text":"How much State Pension will I get?"}],"markDefs":[],"style":"h2"},{"_key":"c15259975d33","_type":"block","children":[{"_key":"988d814fb129","_type":"span","marks":[],"text":"To find out how much State Pension you may get and when you can get it, the GOV.UK website has a handy State Pension forecast which you can use. 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The good news is that you can pay to plug the gaps - by getting 'credits' – which you can use to top up your NI contributions and get yourself more State Pension."}],"markDefs":[],"style":"normal"},{"_key":"806325d8df69","_type":"block","children":[{"_key":"c005c2fd3bfc0","_type":"span","marks":[],"text":"Previously, individuals of a certain age were able to pay to fill gaps in their NI contribution record dating back to 2006 in exchange for more State Pension. This was eligible for men born after 5 April 1951 and women born after 5 April 1953. However, as at 6 April 2025, you can only plug gaps going back six tax years."}],"markDefs":[],"style":"normal"},{"_key":"da9f749ab845","_type":"block","children":[{"_key":"b7cfad9df32e","_type":"span","marks":[],"text":"Filling gaps in your NI record will cost you approximately £824 per year (partial years cost less). For each year you fill, you get an extra 1/35th of State Pension - which works out at around £342. This means you effectively earn your money back in around three years, so it can prove very good value."}],"markDefs":[],"style":"normal"},{"_key":"8cd4364db97f","_type":"block","children":[{"_key":"9239ee6a43750","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"56697684a825","_type":"block","children":[{"_key":"31341414c2ff","_type":"span","marks":["strong"],"text":"How can I top up my State Pension entitlement?"}],"markDefs":[],"style":"normal"}],"_key":"64df4e709838","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"7fb165cd-6350-4acf-853c-9020f0c1a257","_type":"reference"},"text":"FIND OUT"},{"_key":"acf529478d09","_type":"block","children":[{"_key":"159480505970","_type":"span","marks":[],"text":""},{"_key":"37f88c7d8f65","_type":"mainAnchor","pageAnchor":{"_ref":"cb0b2053-702d-4be6-bf0a-e0ceab6b047c","_type":"reference"}},{"_key":"3a3d0f262fd7","_type":"span","marks":[],"text":"Can I defer my State Pension?"}],"markDefs":[],"style":"h2"},{"_key":"8cff65f63c0a","_type":"block","children":[{"_key":"cef657a610ba","_type":"span","marks":[],"text":"You don't get your State Pension automatically - you have to claim it from the government. You usually receive a letter no later than 8 weeks before you reach State Pension age telling you what to do. However, you don't have to take your State Pension at your State Pension age. You can put off receiving the payments and this can actually increase the amount you will get when you do claim it. "}],"markDefs":[],"style":"normal"},{"_key":"7a880b9e331b","_type":"block","children":[{"_key":"e29d7dc9abb2","_type":"span","marks":[],"text":"To defer your State Pension, you don't have to do anything as it will be automatically deferred until you claim it yourself. 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If you're self-employed, you're entitled to the State Pension just like everyone else. However, as eligibility is based on your NI contributions, self-employed people have to take extra care to make sure that they have paid the minimum amount of NI to qualify (and, if you're aiming for the full amount, make sure you hit the minimum threshold for that too). "}],"markDefs":[],"style":"normal"},{"_key":"7ec1c1bd7375","_type":"block","children":[{"_key":"2ea2e7115e55","_type":"span","marks":[],"text":"The government's MoneyHelper service has a great breakdown of how pensions work for self-employed people "},{"_key":"66b4762797ec","_type":"span","marks":["e4408cb38bde"],"text":"here"},{"_key":"ba5793ee7be3","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"e4408cb38bde","_type":"internalLinkPick","blank":true,"reference":{"_ref":"5f20efea-a891-4fb0-86af-5d55f29b4094","_type":"reference"}}],"style":"normal"},{"_key":"440c3b502bda","_type":"block","children":[{"_key":"cc46df665567","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"9f6b6ddfaef7","_type":"block","children":[{"_key":"4f5400914c82","_type":"span","marks":["strong"],"text":"Self-employed retirement tips: Top pension planning strategies"}],"markDefs":[],"style":"normal"}],"_key":"a9e10394854f","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"5775b807-ac97-4a04-8329-cb7734a2dbf9","_type":"reference"},"text":"READ MORE"},{"_key":"258a4c630c9c","_type":"block","children":[{"_key":"a4018b51b8a40","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"bcf37201964a","_type":"block","children":[{"_key":"70491d3dd0de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6a5441f4265e","_type":"block","children":[{"_key":"6d12e468e2df","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"be8a91e62ca6","_type":"block","children":[{"_key":"12394241aac1","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"c1bcbef06414","_type":"block","children":[{"_key":"0b983db2d8a7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"15dfd1fe514c","_type":"block","children":[{"_key":"12ddbc28d4c7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3ad611a543c0","_type":"block","children":[{"_key":"d003305d61bb","_type":"span","marks":["c05054648d51"],"text":"[1] Department for Work & Pensions, August 2025"}],"markDefs":[{"_key":"c05054648d51","_type":"internalLinkPick","blank":true,"reference":{"_ref":"fafbd3b6-6315-4636-9330-07d82be80ca5","_type":"reference"}}],"style":"normal"},{"_key":"f8790c237588","_type":"block","children":[{"_key":"d41b088b03b9","_type":"span","marks":["5b8890be315b"],"text":"[2] Department for Work & Pensions, August 2025"}],"markDefs":[{"_key":"5b8890be315b","_type":"internalLinkPick","blank":true,"reference":{"_ref":"fafbd3b6-6315-4636-9330-07d82be80ca5","_type":"reference"}}],"style":"normal"}],"brazeCustomAttributes":[{"_key":"ab4dc7ef3c7c","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_Article_Gated","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/state-pension/"}],"categories":[{"_key":"92f3bddfe459","_ref":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","_type":"reference"},{"_key":"950e4b769f8b","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"124cedb870dc","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"emailSignupWidgetButtonText":"SIGN UP","emailSignupWidgetImage":{"_type":"mainImage","alt":"Gated content"},"emailSignupWidgetParagraphText":"Join Boring Money for free today to make better money choices, whether using our guides, expert analysis, or comparison tools to find the best home for your money. 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Read our comprehensive guide."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"8082f61a2bf3","_type":"block","children":[{"_key":"d29336b353a0","_type":"span","marks":[],"text":"State Pension increases from April 2026 for those with sufficient National Insurance contributions."}],"markDefs":[],"style":"normal"},{"_key":"6188b5fae617","_type":"block","children":[{"_key":"b8a42b988830","_type":"span","marks":[],"text":"Many Britons unknowingly miss out due to gaps in their National Insurance records"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e306c77573b3","_type":"block","children":[{"_key":"d2bbf005fba1","_type":"span","marks":[],"text":"Readers will learn:"}],"markDefs":[],"style":"h3"},{"_key":"092c8e5ecebd","_type":"block","children":[{"_key":"1d13a0db95cb","_type":"span","marks":[],"text":"✅ How to check their State Pension forecast"}],"markDefs":[],"style":"normal"},{"_key":"eef47dcbeb99","_type":"block","children":[{"_key":"30d2a8b1d4cf","_type":"span","marks":[],"text":"🫙 Benefits of filling National Insurance gaps"}],"markDefs":[],"style":"normal"},{"_key":"793bdd050be7","_type":"block","children":[{"_key":"a51e41be6968","_type":"span","marks":[],"text":"Takeaways:"}],"markDefs":[],"style":"h3"},{"_key":"d37eec5e2c73","_type":"block","children":[{"_key":"5bd92cd232d7","_type":"span","marks":[],"text":"⬇️Missing contributions substantially reduce lifetime pension income"}],"markDefs":[],"style":"normal"},{"_key":"4e8028a9f67d","_type":"block","children":[{"_key":"a06c2fdfc5c0","_type":"span","marks":[],"text":"👔Special considerations for self-employed"}],"markDefs":[],"style":"normal"},{"_key":"d3a7f0f46436","_type":"block","children":[{"_key":"3794bbb3ba6a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7f0b055adfcc","_type":"block","children":[{"_key":"36a6abe9869a","_type":"span","marks":[],"text":"Understanding your personal National Insurance record is crucial. Those with career breaks, part-time work, or self-employment often have significant gaps."}],"markDefs":[],"style":"normal"},{"_key":"91d9f238b2af","_type":"block","children":[{"_key":"ce818e418b7d","_type":"span","marks":[],"text":"Our analysis shows incomplete contribution records result in considerably less income over retirement. 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That’s where the SIPP comes in, giving you a flexible way of saving for later life on your own terms."}],"markDefs":[{"_key":"e3e81e24f8d0","_type":"internalLinkPick","reference":{"_ref":"24becfe8-66e5-4cc0-a93d-d43dba6dc2f4","_type":"reference"}}],"style":"normal"},{"_key":"0ab1a2f22a65","_type":"block","children":[{"_key":"bdb467a49f85","_type":"span","marks":[],"text":"Our Founder & CEO Holly Mackay explains the basics about SIPPs and why they're so attractive in the video below."}],"markDefs":[],"style":"normal"},{"_key":"33c9f7d9a9ed","_type":"block","children":[{"_key":"dc11efff45a4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5e0dc1dae8d7","_type":"mainVideo","url":"https://vimeo.com/834409504/"},{"_key":"1d8cbd5ed51e","_type":"block","children":[{"_key":"a7350b5202db","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4160dc071912","_type":"block","children":[{"_key":"29fde48956cb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c25941e986b5","_type":"block","children":[{"_key":"c9144eaaca10","_type":"span","marks":[],"text":"Here are some of the main things you need to know about SIPPs:"}],"markDefs":[],"style":"normal"},{"_key":"cdb5dee345bf","_type":"block","children":[{"_key":"94886fdff264","_type":"span","marks":[],"text":"You get to choose how your retirement savings are invested"}],"markDefs":[],"style":"h4"},{"_key":"d35ab0e8aeef","_type":"block","children":[{"_key":"9986ab7dc5cd","_type":"span","marks":[],"text":"There are dozens of SIPP providers on the market and there’s a huge range of investments you can select from, too. 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So every time you put some cash into your SIPP, you get to decide what investments to buy with your cash, and therefore you control how your retirement savings are deployed - neat!"}],"markDefs":[{"_key":"c7543acc4588","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}},{"_key":"02752cc3a561","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}},{"_key":"53d971adffc6","_type":"internalLinkPick","reference":{"_ref":"583a0e19-d23d-4df3-989f-54c2368f0d41","_type":"reference"}}],"style":"normal"},{"_key":"ebdc5d964d45","_type":"block","children":[{"_key":"c96a2c6fe087","_type":"span","marks":[],"text":"You get tax relief on your contributions"}],"markDefs":[],"style":"h4"},{"_key":"ce2dbf1a58f2","_type":"block","children":[{"_key":"d7d108f6bd70","_type":"span","marks":[],"text":"As well as this, you get tax relief on the contributions into your SIPP from the government as an incentive for saving. 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This threshold will increase to 57 years old from 2028 and there's a good chance it will continue to rise to reflect an ageing population and similar changes to the State Pension age."}],"markDefs":[],"style":"normal"},{"_key":"7d59da91fec5","_type":"block","children":[{"_key":"30984b039238","_type":"span","marks":[],"text":"You can take up to 25% as a tax-free lump sum"}],"markDefs":[],"style":"h4"},{"_key":"c68a6e98d419","_type":"block","children":[{"_key":"1adeeec6638c","_type":"span","marks":[],"text":"As with most pension schemes, from the age of 55 onwards you can withdraw 25% of the value of your SIPP - up to a maximum of £268,275 - tax-free. Anything beyond this amount will be included as part of your taxable income and may be liable for tax such as "},{"_key":"88847797eefe","_type":"span","marks":["bb39c88a96c3"],"text":"Income Tax"},{"_key":"56b1f7a09661","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"bb39c88a96c3","_type":"internalLinkPick","reference":{"_ref":"cfbae5f9-09e2-4ebd-b540-7b2843cb6161","_type":"reference"}}],"style":"normal"},{"_key":"2cb96b7ec4c8","_type":"block","children":[{"_key":"e96f2ca342ec","_type":"span","marks":[],"text":"You can convert your savings into drawdown or an annuity"}],"markDefs":[],"style":"h4"},{"_key":"9e9aeac6f9b1","_type":"block","children":[{"_key":"5479e5c6bf2a","_type":"span","marks":[],"text":"When you're ready to retire, you have a choice between opting for "},{"_key":"253dd877c385","_type":"span","marks":["0cb4416ebeef"],"text":"drawdown"},{"_key":"0fa061f3de11","_type":"span","marks":[],"text":" (taking chunks out of your savings at your discretion) or purchasing an "},{"_key":"c1fa7371cd57","_type":"span","marks":["58fcf70be682"],"text":"annuity"},{"_key":"ad97d29b6eed","_type":"span","marks":[],"text":" (a guaranteed annual income paid out of your pot). 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It's best to check this "},{"_key":"cb1a3b0ee27f","_type":"span","marks":["em"],"text":"before"},{"_key":"04c8c80479d8","_type":"span","marks":[],"text":" you start saving into a SIPP so you don't end up having to make last-minute transfers in the run-up to retirement!"}],"markDefs":[{"_key":"0cb4416ebeef","_type":"internalLinkPick","reference":{"_ref":"30c293dd-a614-4253-a4c2-ed4b64cdd9ac","_type":"reference"}},{"_key":"58fcf70be682","_type":"internalLinkPick","reference":{"_ref":"18cc7a4b-b423-47ee-8759-5fa886b087d6","_type":"reference"}}],"style":"normal"},{"_key":"abdbbd3e1f3a","_type":"block","children":[{"_key":"6805c4c7eb35","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"4874100ec44d","_type":"block","children":[{"_key":"395616f61b23","_type":"span","marks":["strong"],"text":"Drawdown vs annuity: Which is best for you?"}],"markDefs":[],"style":"normal"}],"_key":"bfb143359578","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"79fcc0a0-e069-4ec5-b1ea-8a6a48d6fb5e","_type":"reference"},"text":"TELL ME"},{"_key":"954b38f4eb68","_type":"block","children":[{"_key":"df44ecfabb54","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7a3f253ff758","_type":"block","children":[{"_key":"1d01a10a74df","_type":"span","marks":[],"text":""},{"_key":"1efd08dfc6ff","_type":"mainAnchor","pageAnchor":{"_ref":"4fb202b7-6246-4faa-b97d-bee6f208d1d1","_type":"reference"}},{"_key":"2feb83c206cb","_type":"span","marks":[],"text":"Is a personal pension right for me?"}],"markDefs":[],"style":"h2"},{"_key":"2f12fd40cc34","_type":"block","children":[{"_key":"f3cd487d2612","_type":"span","marks":[],"text":"Is it a good idea for you to open a SIPP? While the idea of taking retirement savings into your own hands sounds appealing, it's not always the best course of action for everyone. Here's a run-down of the key pros and cons of SIPPs."}],"markDefs":[],"style":"normal"},{"_key":"0c037522a1a8","_type":"prosConsWidget","cons":["Already have a competitive workplace pension scheme","Will need the money before you're 55","Have expensive debt to pay off first"],"consTitle":"Bad if you","pros":["Can set aside money until you're 55","Are self-employed and want to save for retirement","Want more control over your retirement savings"],"prosTitle":"Good if you "},{"_key":"0d6ddf57ea97","_type":"block","children":[{"_key":"70d644c31f280","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"69e33702ca96","_type":"block","children":[{"_key":"4b6acec9bdeb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"61804af9c650","_type":"block","children":[{"_key":"1c2d94e2f4580","_type":"span","marks":["strong"],"text":"Discover three reasons why you should open a SIPP today"}],"markDefs":[],"style":"normal"}],"_key":"8e867e8ac8ca","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"fdb02161-4452-428f-b5f2-e2feca21222f","_type":"reference"},"text":"FIND OUT"},{"_key":"7780f35dead2","_type":"block","children":[{"_key":"fe7b2db8cfa5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4e0fa86f3d2d","_type":"block","children":[{"_key":"f206819400f2","_type":"span","marks":[],"text":""},{"_key":"a5170953afaf","_type":"mainAnchor","pageAnchor":{"_ref":"d5017282-7bc8-4433-bcd8-1bc15bc86641","_type":"reference"}},{"_key":"f7b926c31def2","_type":"span","marks":[],"text":"How much can I pay into a personal pension?"}],"markDefs":[],"style":"h2"},{"_key":"785d2edd23e3","_type":"block","children":[{"_key":"6a1c63cdf64e","_type":"span","marks":[],"text":"The maximum amount most people can pay into their pensions each tax year is typically £60,000 or 100% of their salary - whichever is lowest. This includes the total of:"}],"markDefs":[],"style":"normal"},{"_key":"584d233d3bda","_type":"block","children":[{"_key":"4ed0c1dcfffe0","_type":"span","marks":[],"text":"your own contributions (plus any tax relief you receive) and;"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"cce9b4ba775a","_type":"block","children":[{"_key":"2f147cf74a470","_type":"span","marks":[],"text":"any employer contributions"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"045b27aa3d99","_type":"block","children":[{"_key":"521a86c97e760","_type":"span","marks":[],"text":"If you are unemployed or earn under £3,600 a year, then the most you can pay into your pension is £2,880 (this increases to £3,600 with the tax relief applied)."}],"markDefs":[],"style":"normal"},{"_key":"778ade774f2b","_type":"block","children":[{"_key":"e2b7ef4446f3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"fea49faf329a","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Pension carry forward"},"text":[{"_key":"c087fce67e17","_type":"block","children":[{"_key":"ed037c44af61","_type":"span","marks":[],"text":"Pension carry forward"}],"markDefs":[],"style":"h4"},{"_key":"e8a9c7db641c","_type":"block","children":[{"_key":"89c9d37aa8cd","_type":"span","marks":[],"text":"If you've used up all of your annual allowance, you may be able to carry over any of your allowance you didn't use up from the previous three tax years through a process called \"pension carry forward\". You can ask your pension providers for details of how much you saved into each scheme if they’ve not already sent them to you, or "},{"_key":"82e4d00bb643","_type":"span","marks":["4f3274463f7a"],"text":"use the GOV.UK's annual allowance calculator"},{"_key":"b6ddd401a910","_type":"span","marks":[],"text":" to check if your pension savings are more than your annual allowance and if you have any unused allowance to carry forward."}],"markDefs":[{"_key":"4f3274463f7a","_type":"internalLinkPick","blank":true,"reference":{"_ref":"76e458a7-bd09-4c22-a673-587b0dcfe6eb","_type":"reference"}}],"style":"normal"},{"_key":"3a3641d24309","_type":"block","children":[{"_key":"b25777b185c10","_type":"span","marks":[],"text":"‏‏‎ ‎"}],"markDefs":[],"style":"normal"}]},{"_key":"d30bc8baf9c8","_type":"block","children":[{"_key":"7a6a42d7710b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e22e35f719c7","_type":"block","children":[{"_key":"193a193ee48d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"da83ea6289a1","_type":"block","children":[{"_key":"bd34a1d07939","_type":"span","marks":[],"text":"The rules for the annual allowance are slightly different for higher earners due to something called the \"tapered annual allowance\" - more on this next."}],"markDefs":[],"style":"normal"},{"_key":"a0507441c59e","_type":"block","children":[{"_key":"10a5090d21ca","_type":"span","marks":[],"text":"Rules for the highest earners"}],"markDefs":[],"style":"h4"},{"_key":"a119508cded0","_type":"block","children":[{"_key":"23f295966bdc0","_type":"span","marks":[],"text":"If you’re a higher earner, your annual allowance may be less than this thanks to something called the 'tapered annual allowance', which can reduce your allowance to as low as just £10,000 depending on how much you earn. "}],"markDefs":[],"style":"normal"},{"_key":"df831d7c3ec1","_type":"block","children":[{"_key":"ad27e48c5fea","_type":"span","marks":[],"text":"The tapered annual allowance affects individuals whose:"}],"markDefs":[],"style":"normal"},{"_key":"2bf193ea29e0","_type":"block","children":[{"_key":"32148a15cad70","_type":"span","marks":[],"text":"‘threshold income’ is above £200,000 "},{"_key":"6e33ff443e3e","_type":"span","marks":["em"],"text":"and;"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4ad29e2a2bb7","_type":"block","children":[{"_key":"3720e998380b","_type":"span","marks":[],"text":"‘adjusted income’ is above £260,000"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"96b3ce2b1d5a","_type":"block","children":[{"_key":"dc38b0facec7","_type":"span","marks":[],"text":"Threshold income does not include your pension contributions, while adjusted income does."}],"markDefs":[],"style":"normal"},{"_key":"ae65a0c4eaa6","_type":"block","children":[{"_key":"419a0f39373b0","_type":"span","marks":[],"text":"Those who meet the criteria above will see their annual allowance gradually reduce by £1 for every £2 of ‘adjusted income’ above £260,000. For example, if your adjusted income was £270,000, your annual allowance would be reduced to £55,000. This is because, as you're £10,000 over the adjusted income threshold of £260,000, your annual allowance is reduced by £5,000 - taking it down to £55,000."}],"markDefs":[],"style":"normal"},{"_key":"834676a2335b","_type":"block","children":[{"_key":"7832ee5ff26b","_type":"span","marks":[],"text":"The tapering stops at £360,000, preserving a minimum of at least £10,000 for even the very highest earners."}],"markDefs":[],"style":"normal"},{"_key":"daaddabeb093","_type":"block","children":[{"_key":"35a1465ca04a0","_type":"span","marks":[],"text":"Until 5 April 2024, there had also previously been a lifetime pension allowance which was capped at just over £1 million. This has since been abolished to allow individuals to save more into their pension - as long as you stick to your relevant annual allowance for each tax year."}],"markDefs":[],"style":"normal"},{"_key":"159d4e71bb7e","_type":"block","children":[{"_key":"b0807c766c61","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1b31853e858e","_type":"block","children":[{"_key":"13ed06d5fd92","_type":"span","marks":[],"text":""},{"_key":"664c356d126c","_type":"mainAnchor","pageAnchor":{"_ref":"e87611f7-5f1e-4039-8a16-99b71d40b0de","_type":"reference"}},{"_key":"0d7ece435554","_type":"span","marks":[],"text":"What can I put in my personal pension?"}],"markDefs":[],"style":"h2"},{"_key":"e959c16f4109","_type":"block","children":[{"_key":"1dd576ced2530","_type":"span","marks":[],"text":"One of the main benefits of a SIPP is the amount of control it gives you over what to invest your retirement savings in. You can choose what you like! 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Different providers will have different combinations and ranges of investments to choose from. "}],"markDefs":[],"style":"normal"},{"_key":"6eb377a17d43","_type":"block","children":[{"_key":"136113527399","_type":"span","marks":[],"text":"For example, the exceedingly popular provider "},{"_key":"05d5d4a6eef3","_type":"span","marks":["237ddcfe1985"],"text":"Vanguard"},{"_key":"7c0fcf2bc4dc","_type":"span","marks":[],"text":" offers around 85 in-house funds and ETFs (but no access to individual shares), whereas "},{"_key":"60aa7db1920f","_type":"span","marks":["6c6bd0271ce8"],"text":"Fidelity"},{"_key":"85309ded4eef","_type":"span","marks":[],"text":" has a much wider range stretching into the thousands with a choice of funds, ETFs, investment trusts and shares. Both were winners of our coveted "},{"_key":"1bb0b0f3b43b","_type":"span","marks":["d8290dd4ae22"],"text":"Best Buy Pension award"},{"_key":"f91333e68322","_type":"span","marks":[],"text":" in 2025."}],"markDefs":[{"_key":"237ddcfe1985","_type":"internalLinkPick","reference":{"_ref":"040a1837-41f8-40f7-aa2a-67f13dff3e28","_type":"reference"}},{"_key":"6c6bd0271ce8","_type":"internalLinkPick","reference":{"_ref":"6b9c10a5-2223-4a20-98fb-55323cda4a35","_type":"reference"}},{"_key":"d8290dd4ae22","_type":"internalLinkPick","reference":{"_ref":"41b7c255-2a4e-415c-bc4e-74bc27a97f1e","_type":"reference"}}],"style":"normal"},{"_key":"a6a13aaf1e52","_type":"block","children":[{"_key":"d0828c5018d8","_type":"span","marks":[],"text":"Confident investors"}],"markDefs":[],"style":"h4"},{"_key":"66e3d4ebb58f","_type":"block","children":[{"_key":"ef5f60ad7e2f0","_type":"span","marks":[],"text":"When it comes to what to put in your SIPP, more confident savers may prefer to choose their own range of individual "},{"_key":"4f4b2e313950","_type":"span","marks":["03227fb6d8b6"],"text":"shares"},{"_key":"46973f83f2a3","_type":"span","marks":[],"text":", but we wouldn’t typically suggest this route for the newer or less confident investor."}],"markDefs":[{"_key":"03227fb6d8b6","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}}],"style":"normal"},{"_key":"ae8693377528","_type":"block","children":[{"_key":"925bf5fc3575","_type":"span","marks":[],"text":"Intermediate investors"}],"markDefs":[],"style":"h4"},{"_key":"511689fd50f5","_type":"block","children":[{"_key":"fb65c7af30ce","_type":"span","marks":[],"text":"If you're reasonably confident when it comes to investing, you know what you want and don't mind handling some of the decisions yourself, selecting a decent-sized range of "},{"_key":"cda1838f9d28","_type":"span","marks":["7d48bf1e1468"],"text":"funds"},{"_key":"6a01878f5a2a","_type":"span","marks":[],"text":" - say, 8 to 12 - should suffice."}],"markDefs":[{"_key":"7d48bf1e1468","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"dc8e4b42709b","_type":"block","children":[{"_key":"4eec2d815e82","_type":"span","marks":[],"text":"Beginner investors"}],"markDefs":[],"style":"h4"},{"_key":"0606026b2bcc","_type":"block","children":[{"_key":"348d2002a5ef0","_type":"span","marks":[],"text":"And if you don’t want to research a pool of funds and you aren’t sure what to do, consider a "},{"_key":"b05db35ca1a1","_type":"span","marks":["b70bc2f1cd4b"],"text":"ready-made investment"},{"_key":"a8e333f86971","_type":"span","marks":[],"text":". This is a great way to start for the less confident investor who would prefer to have all the difficult decision-making handled for you."}],"markDefs":[{"_key":"b70bc2f1cd4b","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"6ac0bfb047a9","_type":"block","children":[{"_key":"f96bd3c6eab5","_type":"span","marks":[],"text":""},{"_key":"b4b2a500811e","_type":"mainAnchor","pageAnchor":{"_ref":"cbf710fc-0661-47c8-b9c5-b0c5315d37b1","_type":"reference"}},{"_key":"dfac1679452e","_type":"span","marks":[],"text":"How much does a personal pension cost?"}],"markDefs":[],"style":"h2"},{"_key":"c56016f0cd43","_type":"block","children":[{"_key":"432fb9ca16c0","_type":"span","marks":[],"text":"There are three basic elements to the cost of having and running a SIPP account. These typically include:"}],"markDefs":[],"style":"normal"},{"_key":"d3dea964ce4b","_type":"block","children":[{"_key":"f0c8a51c9cd3","_type":"span","marks":["strong"],"text":"Admin fees: "},{"_key":"b0f9dfd3d87c","_type":"span","marks":[],"text":"The annual administration fee for providing the pension - this will usually be between 0.35% and 0.5% each year and will be levied by the company you open up the account with."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"040f23a1e4d1","_type":"block","children":[{"_key":"3da1063e39ab","_type":"span","marks":["strong"],"text":"Dealing charges:"},{"_key":"653447385695","_type":"span","marks":[],"text":" The fees charged when you buy or sell funds or shares. It’s normally about a tenner to buy a share and buying funds is usually less or free."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"157061d0c482","_type":"block","children":[{"_key":"f573a3f84539","_type":"span","marks":["strong"],"text":"Fund management fees:"},{"_key":"fa2f200939a0","_type":"span","marks":[],"text":" The annual charge from the fund manager for managing your investments. This will apply if you buy managed funds inside your pension, which is typically the case. This is usually about 0.75% every year."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a00e7156f141","_type":"block","children":[{"_key":"23fe9ccb048c","_type":"span","marks":[],"text":"Most people wonder why it can’t just be bundled together as a single and simple fee, but the UK financial services regulator - the FCA - has been clear that it wants people to know what they are paying for the different parts of the overall service."}],"markDefs":[],"style":"normal"},{"_key":"034a23f191a8","_type":"block","children":[{"_key":"064cba8435f0","_type":"span","marks":[],"text":"All in, most people should not be paying more than about 1.3% a year. So that's £13 on every £1,000 invested. The biggest variable will be the charges on the underlying investments within your SIPP, and these will vary depending on what you choose - from lower-cost options like ETFs to higher-cost assets like investment trusts."}],"markDefs":[],"style":"normal"},{"_key":"d94993d414f8","_type":"block","children":[{"_key":"b1591a97a5b7","_type":"span","marks":[],"text":"This is one of the main reasons why it's key to shop around before you select your SIPP provider, to make sure you get the best value for money for what you want. If you're looking for the lowest-cost SIPP providers on the market, check out the winners of our Best Low-cost SIPP awards for portfolios under and over £50,000."}],"markDefs":[],"style":"normal"},{"_key":"c5cf40b9836e","_type":"block","children":[{"_key":"a5e35b930792","_type":"span","marks":["72c3566dfce5"],"text":"Best Low-cost Pension <£50k"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"72c3566dfce5","_type":"internalLinkPick","reference":{"_ref":"6b117d65-8d5f-4b41-ab76-72ad931731a5","_type":"reference"}}],"style":"normal"},{"_key":"c7dccf052b60","_type":"block","children":[{"_key":"ba4e18a8c7f2","_type":"span","marks":["a434d0a08e6f"],"text":"Best Low-cost Pension >£50k"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"a434d0a08e6f","_type":"internalLinkPick","reference":{"_ref":"4c448256-d916-44ed-991f-5a9d5c44c109","_type":"reference"}}],"style":"normal"},{"_key":"e5b680b04d0a","_type":"block","children":[{"_key":"c57a7380ef56","_type":"span","marks":[],"text":""},{"_key":"f4ab1769aacd","_type":"mainAnchor","pageAnchor":{"_ref":"db41d03a-ca09-42cc-bb7e-ee782c820ab7","_type":"reference"}},{"_key":"1dfbf7351126","_type":"span","marks":[],"text":"Choose a personal pension"}],"markDefs":[],"style":"h2"},{"_key":"5f50e98a869a","_type":"block","children":[{"_key":"1e3ce253efd2","_type":"span","marks":[],"text":"If you've decided to open a SIPP, there are dozens of providers to choose from and this can make it tricky to see the wood for the trees. 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Altogether this equates to workplace pension ownership of 66% amongst non-retired individuals.[2]"}],"markDefs":[],"style":"normal"},{"_key":"c02978839d1d","_type":"block","children":[{"_key":"25a245500ac4","_type":"span","marks":[],"text":"Thanks to AE, there is a legislative requirement for all employers to automatically enrol eligible employees into a workplace pension scheme. 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This is just a lower limit and many workplaces will offer more than this. Employees typically pay in 5% of their pre-tax earnings, although this can be lowered or increased at your discretion."}],"markDefs":[],"style":"normal"},{"_key":"9f1fe17a5cfb","_type":"block","children":[{"_key":"4956e33aaf80","_type":"span","marks":[],"text":"If you’re already paying into a workplace pension today, you should check if you’re maxing out your employer contributions. Especially if your employer is willing to match your contributions or pay more into your existing pot. 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":"7f144e995d2a","_type":"block","children":[{"_key":"5ae75cc39a32","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3d4e532c607f","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"7d9ce4c64590","_type":"block","children":[{"_key":"f1258fa63d7c","_type":"span","marks":[],"text":"💡 Bonus tip: Consider salary sacrifice to reduce tax liability"}],"markDefs":[],"style":"h4"},{"_key":"48ba3a13fbb7","_type":"block","children":[{"_key":"5fea39474cdd","_type":"span","marks":[],"text":"If your employer offers salary sacrifice, it can make your contributions even more tax-efficient. This involves giving up a portion of your usual salary to be siphoned into your pension instead. For those on the cusp of higher Income Tax thresholds, this can reduce your overall taxable income and keep your tax bill at a lower rate."}],"markDefs":[],"style":"normal"},{"_key":"780909a87ed0","_type":"block","children":[{"_key":"846431f08a2b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"15f8abbd901f","_type":"block","children":[{"_key":"849c46108955","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"74797e04c5d8","_type":"block","children":[{"_key":"7c70d23372a5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"92618c57cc66","_type":"block","children":[{"_key":"2cf85d8ac468","_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":"101283a68c9e","_type":"block","children":[{"_key":"8908980194dd","_type":"span","marks":[],"text":""},{"_key":"854222c9f00a","_type":"mainAnchor","pageAnchor":{"_ref":"3a1ba0ac-3a8f-4922-98ff-6ff63c95fc46","_type":"reference"}},{"_key":"6e108a7a2bfc","_type":"span","marks":[],"text":"Workplace pension contributions explained"}],"markDefs":[],"style":"h3"},{"_key":"b9489dcf5c38","_type":"tableControl","rows":[{"_key":"d28ca5c3760c","_type":"row","cells":[{"_key":"96ee4934c73c","_type":"cell","tableStyle":"LB","value":[{"_key":"c0d2a5644e75","_type":"block","children":[{"_key":"b3ef0bd2386c","_type":"span","marks":["strong"],"text":"Employer minimum contribution"}],"markDefs":[],"style":"normal"}]},{"_key":"43aee05ef10e","_type":"cell","tableStyle":"LB","value":[{"_key":"3a7a393191bc","_type":"block","children":[{"_key":"c8f2468622f3","_type":"span","marks":["strong"],"text":"Employee contribution"}],"markDefs":[],"style":"normal"}]},{"_key":"25ea283f2856","_type":"cell","tableStyle":"LB","value":[{"_key":"12501fbee993","_type":"block","children":[{"_key":"6a0accb2c7970","_type":"span","marks":["strong"],"text":"Total contributions"}],"markDefs":[],"style":"normal"}]}]},{"_key":"e23cb67f6e94","_type":"row","cells":[{"_key":"eefd6be643a9","_type":"cell","tableStyle":"W","value":[{"_key":"1b757c1e4371","_type":"block","children":[{"_key":"529ed6d14a420","_type":"span","marks":[],"text":"3%"}],"markDefs":[],"style":"normal"}]},{"_key":"aced01a57672","_type":"cell","tableStyle":"W","value":[{"_key":"e9256a8b1092","_type":"block","children":[{"_key":"c86f899aad99","_type":"span","marks":[],"text":"5%"}],"markDefs":[],"style":"normal"}]},{"_key":"0383a0eac3c8","_type":"cell","tableStyle":"W","value":[{"_key":"8d07cc607a79","_type":"block","children":[{"_key":"7afe0bbd63f3","_type":"span","marks":[],"text":"8%"}],"markDefs":[],"style":"normal"}]}]}]},{"_key":"d173b171fed9","_type":"block","children":[{"_key":"56646e213a6d","_type":"span","marks":["em"],"text":"This example is for illustrative purposes only. The exact terms of your workplace pension scheme may differ."}],"markDefs":[],"style":"small"},{"_key":"86ccc1ec1e77","_type":"block","children":[{"_key":"62d6f9d10127","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"55035826ab6e","_type":"block","children":[{"_key":"b2ed72c09909","_type":"span","marks":[],"text":"This is, remember, just the legal minimum in the UK and many pension schemes will allow either you, your employer, or both of you to contribute more. Some employers will match your contributions up to a certain amount - for example, 10%."}],"markDefs":[],"style":"normal"},{"_key":"64ab177b1b2c","_type":"block","children":[{"_key":"2a1d616d84b3","_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, for example."}],"markDefs":[],"style":"normal"},{"_key":"190e7313d8b9","_type":"block","children":[{"_key":"26184cb81297","_type":"span","marks":[],"text":""},{"_key":"9ef10eeec27f","_type":"mainAnchor","pageAnchor":{"_ref":"04e432a9-70cc-4a1b-ac8f-9009fd2336eb","_type":"reference"}},{"_key":"752566688187","_type":"span","marks":[],"text":"What is a defined benefit pension?"}],"markDefs":[],"style":"h2"},{"_key":"3d76f9735a76","_type":"block","children":[{"_key":"c5830a088336","_type":"span","marks":[],"text":"Some employees have a different type of pension called a \"defined benefit\" (DB) - or \"final salary\" - scheme. "}],"markDefs":[],"style":"normal"},{"_key":"f3cf2bc7a2eb","_type":"block","children":[{"_key":"9401a9fdc5dc","_type":"span","marks":[],"text":"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":"68db9f33fef0","_type":"block","children":[{"_key":"115c15d127da","_type":"span","marks":[],"text":"DB pensions continue to diminish in popularity for new generations - just 21% of 45-54 year olds say that their main pension is a DB pension, in comparison to 42% of those retired and between the ages of 55-70.[3]"}],"markDefs":[],"style":"normal"},{"_key":"4d00b3498d14","_type":"block","children":[{"_key":"1fcca85aabaa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"83e7662956c7","_type":"textboxWidget","text":[{"_key":"1f5f93426bc6","_type":"block","children":[{"_key":"7fae09468947","_type":"span","marks":[],"text":"⚠️ Rules for DB pensions differ"}],"markDefs":[],"style":"h4"},{"_key":"2cf9d1ce75e2","_type":"block","children":[{"_key":"f68009e78097","_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. These pensions tend to differ on a case-by-case basis so it's especially important to review your paperwork and "},{"_key":"a5076b893130","_type":"span","marks":["b4d7fbf835a8"],"text":"get professional advice "},{"_key":"f14c2f6660e8","_type":"span","marks":[],"text":"before making any decisions."}],"markDefs":[{"_key":"b4d7fbf835a8","_type":"internalLinkPick","reference":{"_ref":"63a19438-721c-4042-b811-f8f2af951e0e","_type":"reference"}}],"style":"normal"}]},{"_key":"121c6ca47087","_type":"block","children":[{"_key":"a3faa70e6403","_type":"span","marks":[],"text":""},{"_key":"49dbcbd51038","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"e4afd7431b7c","_type":"span","marks":[],"text":"Top questions on workplace pensions"}],"markDefs":[],"style":"h2"},{"_key":"ed83db8b3c8d","_type":"block","children":[{"_key":"6d54c3f1608f","_type":"span","marks":[],"text":""},{"_key":"2078df1954c8","_type":"mainAnchor","pageAnchor":{"_ref":"5e94267a-4b9b-41c5-b01a-df7754578582","_type":"reference"}},{"_key":"8f109a4336a4","_type":"span","marks":[],"text":"How much should I be paying into my pension?"}],"markDefs":[],"style":"h3"},{"_key":"eeecbd4d8788","_type":"block","children":[{"_key":"0605ddbaaee2","_type":"span","marks":[],"text":"There are a number of different suggestions of the ideal amount to be putting towards your retirement every year. Here are some popular examples you may hear from finance experts:"}],"markDefs":[],"style":"normal"},{"_key":"1d7b72dc9d0f","_type":"block","children":[{"_key":"4f981a1b5b9c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"158b894e1ff2","_type":"dropdownWidget","items":[{"_key":"f7139636fc07","_type":"dropdownObject","text":[{"_key":"792cd5a6ef20","_type":"block","children":[{"_key":"9a0cf6b11ba4","_type":"span","marks":[],"text":"This retirement-saving method is fairly self-explanatory. Take your age and then half it. This is the amount of your pre-tax income you should be putting into your pension pot (this includes workplace pensions as well as any personal pension savings). So if you're 50 years old, you should be putting away a total of 25% of your pre-tax income towards your retirement."}],"markDefs":[],"style":"normal"}],"title":"‘Half your age'"},{"_key":"7e38a5972842","_type":"dropdownObject","text":[{"_key":"fc0bfa30f2c2","_type":"block","children":[{"_key":"3ce213cd684f","_type":"span","marks":[],"text":"Alternatively, a different approach is to put aside 15% of your pre-tax income (again, including both workplace and any personal pensions) into your retirement savings every year. So if your pre-tax income is £60,000, you should aim to put away a total of £9,000 towards your retirement each year."}],"markDefs":[],"style":"normal"}],"title":"The 15% rule"},{"_key":"84ab90da2301","_type":"dropdownObject","text":[{"_key":"008d3426d987","_type":"block","children":[{"_key":"7afe3f52866b","_type":"span","marks":[],"text":"Finally, another retirement saving rule of thumb is to save up 10 times your average salary by the time you reach State Pension age (currently 67). To stay on track, this is further broken down into the following milestones: "}],"markDefs":[],"style":"normal"},{"_key":"815bcfb960ab","_type":"block","children":[{"_key":"7f146a109eb1","_type":"span","marks":[],"text":"1x your salary by 30"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"605d53ba59ad","_type":"block","children":[{"_key":"605f94092a2e","_type":"span","marks":[],"text":"3x your salary by 40"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d7d465e3d329","_type":"block","children":[{"_key":"9c0a847e28df","_type":"span","marks":[],"text":"6x your salary by 50"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7888958727dc","_type":"block","children":[{"_key":"92936fbd24fe","_type":"span","marks":[],"text":"8x your salary by 60"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"714aca391431","_type":"block","children":[{"_key":"1cf95ed05c9d","_type":"span","marks":[],"text":"10x your salary by 67"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"654310c94708","_type":"block","children":[{"_key":"4f15d565dd6f","_type":"span","marks":[],"text":"So if you're currently 50 years old and your salary is £42,000, you should ideally have around £252,000 saved up for retirement purposes."}],"markDefs":[],"style":"normal"}],"title":"10x your salary"}]},{"_key":"e1fc9c35a82e","_type":"block","children":[{"_key":"b2f89bf96d12","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e7ea419f7b15","_type":"block","children":[{"_key":"a22ce05f0863","_type":"span","marks":[],"text":"The reality is that everyone's approach to saving for retirement will be different and life gets in the way sometimes. You may be willing to be frugal for a few years to increase your contributions, while at other times, large or unexpected expenses may crop up and force you to streamline your saving strategy."}],"markDefs":[],"style":"normal"},{"_key":"fa1526f28a79","_type":"block","children":[{"_key":"1e65b13b5161","_type":"span","marks":[],"text":"In any case, if you're in the position to contribute more to your workplace pension, it's a good idea to do so. Remember as well as the employer contributions and government tax relief, you'll also benefit from the snowball effect as your pot grows over time. "}],"markDefs":[],"style":"normal"},{"_key":"f1860b9c51ee","_type":"block","children":[{"_key":"7ca8acd0847d","_type":"span","marks":[],"text":"Consider maximising your own contributions and having a discussion about how much your employer would be willing to put in."}],"markDefs":[],"style":"normal"},{"_key":"89cdb2c3568c","_type":"block","children":[{"_key":"c857cd4181f1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"17da5e0679ce","_type":"block","children":[{"_key":"d53be8e49afd","_type":"span","marks":[],"text":""},{"_key":"0a4584dc939f","_type":"mainAnchor","pageAnchor":{"_ref":"b1ece18e-7254-4d54-b995-3e80fb35ba59","_type":"reference"}},{"_key":"9681c7fbc059","_type":"span","marks":[],"text":"What is my pension actually invested in?"}],"markDefs":[],"style":"h3"},{"_key":"b7caae102cf4","_type":"block","children":[{"_key":"700bdda6d3ca","_type":"span","marks":[],"text":"Your pension contributions are usually invested in a default scheme chosen by your employer’s pension provider. This arrangement will typically have underlying funds within it."}],"markDefs":[],"style":"normal"},{"_key":"bc11bc4cace7","_type":"block","children":[{"_key":"3d71d29b88ca","_type":"span","marks":[],"text":"These funds are usually "},{"_key":"84699812bda4","_type":"span","marks":["71f8d109180d"],"text":"diversified"},{"_key":"c5469904a43b","_type":"span","marks":[],"text":" - meaning your money is spread across shares, bonds, and other assets to spread "},{"_key":"9ed9d1303854","_type":"span","marks":["0ea5ffc97324"],"text":"risk"},{"_key":"000a272f2b06","_type":"span","marks":[],"text":". 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"}],"markDefs":[{"_key":"71f8d109180d","_type":"glossaryPick","reference":{"_ref":"4e600be7-9819-47d4-9ee6-de4019f8a10e","_type":"reference"}},{"_key":"0ea5ffc97324","_type":"glossaryPick","reference":{"_ref":"40cecbee-f8e8-4228-8d2c-5f98f1862a58","_type":"reference"}},{"_key":"ae77ae89c5ae","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}},{"_key":"e433d1f299c1","_type":"glossaryPick","reference":{"_ref":"f5aeb212-0b8b-4b81-8fb9-82b021d81c62","_type":"reference"}}],"style":"normal"},{"_key":"78983c0d9725","_type":"block","children":[{"_key":"90e57b201cf8","_type":"span","marks":[],"text":"Although you'll typically be automatically assigned to a scheme when you're enrolled, some employers allow you to switch to other ones (or even other providers) if you want more control. For example, if you want to invest in a scheme with a higher risk profile or opt for a version which has better "},{"_key":"3f00f05c9fbe","_type":"span","marks":["31cd1eb41385"],"text":"sustainability"},{"_key":"360f272bb4b9","_type":"span","marks":[],"text":" credentials."}],"markDefs":[{"_key":"31cd1eb41385","_type":"internalLinkPick","reference":{"_ref":"2635d13e-e79d-414d-80f5-86b565565227","_type":"reference"}}],"style":"normal"},{"_key":"05868520572c","_type":"block","children":[{"_key":"08e42d1ef4e3","_type":"span","marks":[],"text":"The process of switching your scheme, and especially your provider, can be time-consuming. You'll need to start by contacting your current employer to ask whether it's feasible, as well as whether you need to liaise with your provider directly or if they can do it for you."}],"markDefs":[],"style":"normal"},{"_key":"1c2e5691b6c8","_type":"block","children":[{"_key":"8a61b374bcda","_type":"span","marks":[],"text":""},{"_key":"d92f1f4f33ba","_type":"mainAnchor","pageAnchor":{"_ref":"f6ad6165-0784-47d0-9ae4-4fee5e21c693","_type":"reference"}},{"_key":"703cf5ef9eef","_type":"span","marks":[],"text":"What happens to my pension if I change jobs?"}],"markDefs":[],"style":"h3"},{"_key":"e4b7efde60b8","_type":"block","children":[{"_key":"f9ec851a99cc","_type":"span","marks":[],"text":"Your pension doesn’t just vanish when you switch employers. That money is still yours, and it stays invested in the scheme your previous employer set up for you."}],"markDefs":[],"style":"normal"},{"_key":"f4cbc1dc0861","_type":"block","children":[{"_key":"0b18a54fc1eb","_type":"span","marks":[],"text":"Each time you start a new job, your new employer sets up a new pension pot for you (usually with a different provider). Over time, you can end up with multiple pension pots scattered across different schemes, especially if you’ve job-hopped a bit - which, let’s face it, is the norm these days!"}],"markDefs":[],"style":"normal"},{"_key":"9b1afffca1b7","_type":"block","children":[{"_key":"793cb52c2b2e","_type":"span","marks":[],"text":"You’ve got a few options:"}],"markDefs":[],"style":"normal"},{"_key":"f6e4d79152be","_type":"block","children":[{"_key":"ba91ffde320e","_type":"span","marks":[],"text":"🧊 Leave it where it is"}],"markDefs":[],"style":"h4"},{"_key":"11a8a167e8fe","_type":"block","children":[{"_key":"2739e056c09e","_type":"span","marks":[],"text":"You can just let the old pot sit there. It’ll remain invested and (hopefully) continue to grow. The main downside is it can be easy to lose track of multiple pots over time, especially if you move jobs a lot, so try to make an effort to bank all your relevant paperwork somewhere so you don't forget what you're sitting on."}],"markDefs":[],"style":"normal"},{"_key":"6d61dcfc7024","_type":"block","children":[{"_key":"b9a18abe6cb9","_type":"span","marks":[],"text":"🔁 Transfer it into your new scheme"}],"markDefs":[],"style":"h4"},{"_key":"cffe5a9ab1fe","_type":"block","children":[{"_key":"b61e7d0e0686","_type":"span","marks":[],"text":"Some workplace pension providers allow you to transfer old pots into your new employer’s scheme, giving you one less account to worry about. This can help keep your retirement savings tidy and easier to manage. "}],"markDefs":[],"style":"normal"},{"_key":"091bb142287b","_type":"block","children":[{"_key":"fbf4790be31f","_type":"span","marks":[],"text":"📦 Combine multiple old pots into one"}],"markDefs":[],"style":"h4"},{"_key":"1a573de993ce","_type":"block","children":[{"_key":"449f8dfd36da","_type":"span","marks":[],"text":"You could also consolidate your old pensions into a single personal pension through a "},{"_key":"730e9c4f4d17","_type":"span","marks":["53d2d55b4dcd"],"text":"pension consolidation"},{"_key":"a4976fbcdae8","_type":"span","marks":[],"text":" service. These often offer more control over your investments, clearer fee structures, and modern dashboards that don’t look like they were built in 2003!"}],"markDefs":[{"_key":"53d2d55b4dcd","_type":"internalLinkPick","reference":{"_ref":"c9928625-d309-480d-96ef-9285214ca5d0","_type":"reference"}}],"style":"normal"},{"_key":"4de97eac0b16","_type":"block","children":[{"_key":"7fcb903576ee","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5a17725e3479","_type":"textboxWidget","text":[{"_key":"f1b039bf007b","_type":"block","children":[{"_key":"b36d7a3a5fb1","_type":"span","marks":[],"text":"⚠️ Before you do any kind of transfer, tread carefully:"}],"markDefs":[],"style":"h4"},{"_key":"f0cf0ec06d87","_type":"block","children":[{"_key":"fc02f2ada63e","_type":"span","marks":["strong"],"text":"Check for exit fees -"},{"_key":"450debe45352","_type":"span","marks":[],"text":" Some pension providers may charge you a fee to close your account and transfer your funds. This can be as high as 10% of your pot (!) so it may not be worth the hassle."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ab041b871467","_type":"block","children":[{"_key":"905d23e82b3c","_type":"span","marks":["strong"],"text":"Compare fund performance - "},{"_key":"c51f58f8ba19","_type":"span","marks":[],"text":"Don’t ditch a high-performing scheme for a dud. Sit down and review the returns on your pots, and if an old pension is doing well, it might be wise to just leave it be."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"df4da4bc2d13","_type":"block","children":[{"_key":"848715e2af03","_type":"span","marks":["strong"],"text":"Watch for valuable benefits -"},{"_key":"cde21a81a36b","_type":"span","marks":[],"text":" Some schemes, particularly with DB pensions, come with certain benefits (like a guaranteed income, life cover or early access rights) which you may lose forever by transferring. It's generally advised that you leave these alone."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"a621d0d184bc","_type":"block","children":[{"_key":"ed05b30b2b13","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e61543d6738d","_type":"block","children":[{"_key":"8cceb475d69c","_type":"span","marks":[],"text":""},{"_key":"b9bc6c8871ea","_type":"mainAnchor","pageAnchor":{"_ref":"1f2ad4e7-9b6e-4ef9-af1b-59b037d745a3","_type":"reference"}},{"_key":"b835e53bc843","_type":"span","marks":[],"text":"Can I take money out of my pension early?"}],"markDefs":[],"style":"h3"},{"_key":"ecdb2c7d0cdd","_type":"block","children":[{"_key":"e3a76dea54f7","_type":"span","marks":[],"text":"Generally, you can't take money out of any pension products early unless you’re seriously ill or terminally diagnosed. For everyone else, the money is locked up until you’re 55 - rising to 57 from 2028."}],"markDefs":[],"style":"normal"},{"_key":"c9ee2a6e5afb","_type":"block","children":[{"_key":"229afbe42eac","_type":"span","marks":[],"text":""},{"_key":"a644cc0a0f68","_type":"mainAnchor","pageAnchor":{"_ref":"201e104c-1c9d-441a-83f7-267e0bcea3a3","_type":"reference"}},{"_key":"eafa6778d40b","_type":"span","marks":[],"text":"How is my workplace pension taxed?"}],"markDefs":[],"style":"h3"},{"_key":"633fbffa7196","_type":"block","children":[{"_key":"2608a8c82afa","_type":"span","marks":[],"text":"Your workplace pension is treated like the rest of your retirement saving products for tax purposes. When you start dipping into these, HMRC will be able to start taking its cut - but it's not all bad news."}],"markDefs":[],"style":"normal"},{"_key":"261a8f6b383d","_type":"block","children":[{"_key":"a12ef1b78775","_type":"span","marks":[],"text":"The first 25% of your retirement pot is completely tax-free. You can take this as one big lump sum, or in smaller chunks over time, depending on your financial needs and goals. 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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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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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It's free to buy and free to sell."}],"markDefs":[],"style":"normal"},{"_key":"a01286926678","_type":"block","children":[{"_key":"4fc8cda8d30a","_type":"span","marks":[],"text":"There are no upfront fees and charges are taken monthly from your SIPP."}],"markDefs":[],"style":"normal"},{"_key":"0e016ca96aab","_type":"block","children":[{"_key":"360f484b03750","_type":"span","marks":[],"text":"There are no charges for entering into drawdown, transferring your plan, or taking out lump sums after retirement age."}],"markDefs":[],"style":"normal"},{"_key":"9eacdd78538b","_type":"block","children":[{"_key":"44497b37e169","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7dd3eb00bde3","_type":"block","children":[{"_key":"0442513d7298","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Hargreaves Lansdown Pension review"},{"_key":"8681dcd5aa3d","_type":"block","children":[{"_key":"f4bcdfbb7553","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"f13a7f588632","_type":"block","children":[{"_key":"4bc0d593cfac","_type":"span","marks":[],"text":"Ready-Made Pension offer available on Hargreaves Lansdown*"}],"markDefs":[],"style":"h4"},{"_key":"b0c7ef4343b2","_type":"block","children":[{"_key":"42f382834779","_type":"span","marks":[],"text":"Open a Ready-Made Pension Plan by 31 July 2026 and pay no charges until 30 April 2027. 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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 £85,000 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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With Hargreaves Lansdown charging up to 0.45% for fund holdings, many investors could question whether the premium pricing is justified. Our analysis reveals surprising insights about the UK's largest investment platform and who actually benefits most from their services."}],"markDefs":[],"style":"normal"},{"_key":"f4a988f1c21b","_type":"block","children":[{"_key":"f34b0a3998890","_type":"span","marks":[],"text":"While Hargreaves Lansdown boasts an impressive 1.8 million customers and £140 billion in assets, the platform's higher fees have sparked debate among cost-conscious investors. 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Lansdown is still by far the largest home for DIY investors in the UK. 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"}],"markDefs":[],"style":"normal"},{"_key":"771ab82c3a5f","_type":"block","children":[{"_key":"16010b9c9f80","_type":"span","marks":[],"text":"You can open a Junior ISA for each of your children under the age of 18 and can put in up to £9,000 every single year without paying a penny of tax. They come in Cash and Stocks & Shares varieties so you can choose which type suits your (and your kids') needs best. Plus, anyone can pay into a JISA until your child’s 18th birthday, at which point your little one (or not-so-little one anymore!) gets their hands on the money. "}],"markDefs":[],"style":"normal"},{"_key":"1975a1680773","_type":"block","children":[{"_key":"69e8131fb564","_type":"span","marks":[],"text":"Note though that you can't open a JISA if you already have a Child Trust Fund, and though your kids can only access their funds once they turn 18, they can control the account from the age of 16."}],"markDefs":[],"style":"normal"},{"_key":"446ba4087a87","_type":"block","children":[{"_key":"ef484d5b53ce","_type":"span","marks":[],"text":""},{"_key":"a263f7f87b2a","_type":"mainAnchor","pageAnchor":{"_ref":"eab079f5-be19-4845-ac87-677cacadb9d1","_type":"reference"}},{"_key":"739f25136834","_type":"span","marks":[],"text":"How do Junior ISAs work?"}],"markDefs":[],"style":"h2"},{"_key":"cdecde60fb6f","_type":"block","children":[{"_key":"86d21847fca90","_type":"span","marks":[],"text":"There are 2 different types of Junior ISA that you can open on behalf of your kids: the Cash JISA and the Stocks & Shares JISA. 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But it's important to remember that cash isn't immune to inflation, so you're not completely invincible with a Cash JISA either."}],"markDefs":[],"style":"normal"},{"_key":"f3e753161d05","_type":"block","children":[{"_key":"02092e915f490","_type":"span","marks":[],"text":"It'd be hard to miss the headlines about the cost of living crisis at the moment, and with inflation soaring to levels some of us haven't seen since the '70s, cash is actually losing its purchasing power. What this means is that the same £9,000 you put into a Cash JISA this year might not be able to buy you as many things in a few years' time, as inflation has eaten away at its value."}],"markDefs":[],"style":"normal"},{"_key":"7ca681f49bf8","_type":"block","children":[{"_key":"17840cd7db01","_type":"span","marks":[],"text":"However, Cash Junior ISAs are popular with families that aren't so keen on the idea of putting money intended for the kids into the stock market, where the value of the underlying investments can yo-yo at any given time. Cash is widely considered a safer and steadier asset, so if you're not comfortable with investing on your kids' behalf then a Cash JISA is probably best for you."}],"markDefs":[],"style":"normal"},{"_key":"03d6552c5249","_type":"block","children":[{"_key":"911f667e98610","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"54d1a30eb862","_type":"block","children":[{"_key":"749f4c0ece42","_type":"span","marks":["strong"],"text":"Learn about the pros and cons of saving with cash"}],"markDefs":[],"style":"normal"}],"_key":"c693704a3c3a","_type":"ctaWidget","reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"},"text":"READ MORE"},{"_key":"4280abc3db8a","_type":"block","children":[{"_key":"b5abeae806ce0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4addfa5ccc00","_type":"block","children":[{"_key":"d09d3f5704010","_type":"span","marks":[],"text":"What is a Stocks & Shares JISA?"}],"markDefs":[],"style":"h3"},{"_key":"701dbed4c936","_type":"block","children":[{"_key":"c26223c48a760","_type":"span","marks":[],"text":"A Stocks & Shares JISA is similar to a Cash JISA, but instead of your kids' savings sitting idly in cash, it's invested in the stock market - in things like "},{"_key":"45ea290df4ff","_type":"span","marks":["6f5b3eea9e0a"],"text":"shares"},{"_key":"444ba8ee6ceb","_type":"span","marks":[],"text":" and "},{"_key":"290ac7cd4b15","_type":"span","marks":["80233f6c81c1"],"text":"funds"},{"_key":"ae69cfc998c1","_type":"span","marks":[],"text":" - in an attempt to grow their money and earn a profit."}],"markDefs":[{"_key":"6f5b3eea9e0a","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}},{"_key":"80233f6c81c1","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"d3482585d6e8","_type":"block","children":[{"_key":"4caddff85b480","_type":"span","marks":[],"text":"In the same way as you can with a regular "},{"_key":"16843dda2133","_type":"span","marks":["a3b62ef49dec"],"text":"Stocks & Shares ISA"},{"_key":"146a3608953d","_type":"span","marks":[],"text":", you can choose how you want to invest for your kids, picking your preferred provider as well as the individual assets you're investing - so it's customisable. For example's sake, let's say you'd like to invest for your children but you're not so sure about the idea of taking on too much risk (it's "},{"_key":"3ba38c0b4fef","_type":"span","marks":["em"],"text":"their "},{"_key":"d68992e4a0be","_type":"span","marks":[],"text":"money after all, they just don't get it until they're 18). You might opt for a low-risk selection of investments to minimise the chances that your kids' money will fall in value."}],"markDefs":[{"_key":"a3b62ef49dec","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"a961c2fd0027","_type":"block","children":[{"_key":"943a1750bd280","_type":"span","marks":[],"text":"There are loads of Junior ISA providers on the market which allow you to pick from a pre-made selection of investments according to the level of risk you're comfortable with, and these "},{"_key":"b45c25aec8b7","_type":"span","marks":["3c50e321b818"],"text":"ready-made portfolios"},{"_key":"c3dbfd7a0256","_type":"span","marks":[],"text":" make a great addition to a Stocks & Shares JISA. Alternatively, you can get straight to the point and pick whichever individual funds or shares you want by yourself. Shop around and see which providers have what you're looking for."}],"markDefs":[{"_key":"3c50e321b818","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"5f953562861e","_type":"block","children":[{"_key":"f4653c1f42020","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"3b517ab74465","_type":"block","children":[{"_key":"9d9fd587a15d","_type":"span","marks":["strong"],"text":"See which provider won the Best Buy JISA award for 2023 "}],"markDefs":[],"style":"normal"}],"_key":"993d2d172d57","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"cc973de9-f492-4486-8ef6-1449bb253705","_type":"reference"},"text":"SHOW ME"},{"_key":"d42bdeb7ea37","_type":"block","children":[{"_key":"6769896f62b6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8335ca36587f","_type":"block","children":[{"_key":"8df1cdf2501c","_type":"span","marks":[],"text":""},{"_key":"fe88fbc9c1e0","_type":"mainAnchor","pageAnchor":{"_ref":"deec01e6-aa63-4124-94b8-3129ecfe0bfd","_type":"reference"}},{"_key":"65319a60680c","_type":"span","marks":[],"text":"Is a Junior ISA right for me?"}],"markDefs":[],"style":"h2"},{"_key":"ad48f934deda","_type":"block","children":[{"_key":"bf7ab11e3bcf0","_type":"span","marks":[],"text":"Not sure if a Junior ISA is the right choice for your family? It can be stressful trying to decide which financial products you need for yourself, let alone for your kids! Have a browse of the pros and cons of JISAs in the table below to work out if they're right for you."}],"markDefs":[],"style":"normal"},{"_key":"14689b287807","_type":"prosConsWidget","cons":["Your kids are all over the age of 18","You don't want them to get their hands on it on their 18th birthday","You already have a Child Trust Fund"],"consTitle":"Bad if","pros":["You have a child or children under the age of 18","You've got a generous family who'll contribute to it","You want to teach your kids about saving money"],"prosTitle":"Good if"},{"_key":"29a935b41cbb","_type":"block","children":[{"_key":"ef54b90ac415","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f34a9b8c20e6","_type":"block","children":[{"_key":"b30e0ab7e19e","_type":"span","marks":[],"text":""},{"_key":"590c58faf0b9","_type":"mainAnchor","pageAnchor":{"_ref":"5ac3e3d4-c21f-42e2-92de-811e45d7eba6","_type":"reference"}},{"_key":"b9192e9a9f95","_type":"span","marks":[],"text":"How much can I save with a Junior ISA?"}],"markDefs":[],"style":"h2"},{"_key":"dbf239195c68","_type":"block","children":[{"_key":"d02181347a6b0","_type":"span","marks":[],"text":"You can save up to £9,000 into a Junior ISA per tax year, and these contributions can come from anyone, such as your kids' grandparents or bigger cousins. They don't take much to set up either. If you can spare £25-£50 a month, or have a lump sum of about £500 to hand, you can set up a Junior ISA with most major providers on the market. Some providers will let you set one up with as little as a single £1!"}],"markDefs":[],"style":"normal"},{"_key":"c0fc0752e1aa","_type":"block","children":[{"_key":"c5e2d4d06a2c","_type":"span","marks":[],"text":"The key here is to shop around, paying attention to minimum deposits and minimum monthly contributions, to see which JISAs are most sensible for your circumstances. You'll also want to check the fees and charges as these can differ vastly from provider to provider, and if you're opening Junior ISAs for multiple children, those could add up to a considerable amount before you even know it!"}],"markDefs":[],"style":"normal"},{"_key":"d0b4cbe99055","_type":"block","children":[{"_key":"c8aa6c8a6bd7","_type":"span","marks":[],"text":"Head over to our JISA compare tables to browse the market and get a sense of which provider is right for you. Read ours - and our readers' - reviews, compare monthly and annual charges, and see which have won our coveted 'Best Buy JISA' awards!"}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"29e5815ac3a7","_type":"block","children":[{"_key":"706f02f0f1f2","_type":"span","marks":[],"text":"FREE TOOL: Not sure which JISA is right for you?"}],"markDefs":[],"style":"h4"},{"_key":"413101212e38","_type":"block","children":[{"_key":"689ff7bc39ee","_type":"span","marks":[],"text":"Answer 6 questions. Get 3 tailored recommendations. Independent, unbiased, free."}],"markDefs":[],"style":"normal"}],"_key":"8c91ab282a38","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"reference":{"_ref":"249771c5-00b0-4103-9775-fe8bb8339397","_type":"reference"},"text":"FIND MY JISA"},{"_key":"1abf596bca2c","_type":"block","children":[{"_key":"481c51a5b399","_type":"span","marks":[],"text":""},{"_key":"1c870b39dcb1","_type":"mainAnchor","pageAnchor":{"_ref":"07bfc5ad-abe6-47eb-883d-b92e13a9e689","_type":"reference"}},{"_key":"d850e9f3930e","_type":"span","marks":[],"text":"What happens to a Junior ISA when my child turns 18?"}],"markDefs":[],"style":"h2"},{"_key":"dab204cef3ed","_type":"block","children":[{"_key":"a9bd0d034f18","_type":"span","marks":[],"text":"JISAs can be a great way to give the rugrats a dollop of cash for a house deposit, a car, or to fund their education. However, you need to be aware that you can’t control what they do with it. All the money you put in is locked away until your child’s 18th birthday. At that point, it becomes "},{"_key":"cdbc9fe66a55","_type":"span","marks":["em"],"text":"their "},{"_key":"2cd52c238620","_type":"span","marks":[],"text":"money and they are free to do whatever they like with it. Plus, from the age of 16, your kids can actually "},{"_key":"1122eada3f19","_type":"span","marks":["em"],"text":"control "},{"_key":"a7de115dc70a","_type":"span","marks":[],"text":"their own Junior ISAs - meaning they reserve the right to go in and change the underlying investments in it, if they so wished."}],"markDefs":[],"style":"normal"},{"_key":"4a3f5d7251d5","_type":"block","children":[{"_key":"a427561d5bca","_type":"span","marks":[],"text":"If you’ve got a responsible one, you might be lucky and they’ll leave it be and use it for their university fees. If you haven’t, maybe don’t tell them it’s there and then surprise them with it on their 18th birthday - when their Junior ISA will roll over into a normal adult ISA. Alternatively, use their JISA to teach them about money - saving, compound interest and the like - and it can be a powerful tool to encourage healthy money habits in your little ones."}],"markDefs":[],"style":"normal"},{"_key":"461db056f148","_type":"block","children":[{"_key":"71551d1eeb95","_type":"span","marks":[],"text":"Hargreaves Lansdown is the biggest provider of Stocks & Shares JISAs in the UK, and their data suggests our kids are pretty sensible – 97% of their JISAs transfer to adult ISAs and see no withdrawals in the first 12 months. And almost a third pay in more after that. When did kids get so sensible?"}],"markDefs":[],"style":"normal"},{"_key":"41e6bc709f7d","_type":"block","children":[{"_key":"d9f6c42fd84a","_type":"span","marks":[],"text":""},{"_key":"b428dfc715b1","_type":"mainAnchor","pageAnchor":{"_ref":"206409d7-e9cf-4762-8284-e30909591660","_type":"reference"}},{"_key":"13194d9c67c8","_type":"span","marks":[],"text":"Can I move a Child Trust Fund to a Junior ISA?"}],"markDefs":[],"style":"h2"},{"_key":"273cf2e41e64","_type":"block","children":[{"_key":"a5ce4a41e1f8","_type":"span","marks":[],"text":"Child Trust Funds (CTFs) are a type of saving account that were previously available for kids born between 1 September 2002 and 2 January 2011. Parents could use them to deposit free cash vouchers of up to £250 (or up to £500 if they were on a low income) that used to be handed out twice to each child by the government. But as they're now defunct, the question is... should you move it to the new kid on the block, the Junior ISA?"}],"markDefs":[],"style":"normal"},{"_key":"3a5ab587db7d","_type":"block","children":[{"_key":"410d4c1d9a1b0","_type":"span","marks":[],"text":"There’s no way to say this nicely: this is a bugger’s muddle. Many providers will not accept a transfer of Child Trust Funds into Junior ISAs. You can sometimes move from a Child Trust Fund to a Junior ISA with your original provider, though this can - and often will - incur fees. However, it's a bit trickier if you want to switch to another provider entirely, and you'll likely have to switch to a JISA with your original provider "},{"_key":"49d8f0247e84","_type":"span","marks":["em"],"text":"first "},{"_key":"51759eedf235","_type":"span","marks":[],"text":"before changing to the next one. AJ Bell and Hargreaves Lansdown are quite good on the admin here so it may be worth giving them a call to check if they could support a CTF transfer into a JISA with them."}],"markDefs":[],"style":"normal"},{"_key":"feacdee7429a","_type":"block","children":[{"_key":"5d9db38a7263","_type":"span","marks":[],"text":"Before moving, do contact your current provider and ask them about all exit fees. That’s the first step. And, if you've lost track of where your child’s Trust Fund is, you can search on the government’s website "},{"_key":"9384583b2e1f","_type":"span","marks":["59b589b09b70"],"text":"here"},{"_key":"ec070b1819f8","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"59b589b09b70","_type":"internalLinkPick","blank":true,"reference":{"_ref":"7e8157ea-41d8-48d1-8fde-a9e36c86f742","_type":"reference"}}],"style":"normal"},{"_key":"0cbdfb0798d4","_type":"block","children":[{"_key":"4cf7ad0cc817","_type":"span","marks":[],"text":""},{"_key":"63025aad9dc3","_type":"mainAnchor","pageAnchor":{"_ref":"41038ee2-7007-49ba-aa0e-1cc728b06686","_type":"reference"}},{"_key":"1a7aee92cd040","_type":"span","marks":[],"text":"Find the right Junior ISA provider"}],"markDefs":[],"style":"h2"},{"_key":"2e46ae7db05f","_type":"block","children":[{"_key":"ecc1b0f97b920","_type":"span","marks":[],"text":"Looking to open a Junior ISA for your kids? Not sure who to turn to? That's precisely where we come in. Head on over to our JISA compare tables to see which providers get our - and our readers' - seal of approval, on everything from fees to customer service. Click the link below to dig in!"}],"markDefs":[],"style":"normal"},{"_key":"df399255444f","_type":"block","children":[{"_key":"3f066d6331fe0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"51f96e86d6b1","_type":"block","children":[{"_key":"581c8a951ac1","_type":"span","marks":["strong"],"text":"Find the right JISA for you"}],"markDefs":[],"style":"normal"}],"_key":"8f943283cf7d","_type":"ctaWidget","reference":{"_ref":"aeed79f1-9b6d-4414-a729-8c537ad53fef","_type":"reference"},"text":"COMPARE PROVIDERS"}],"categories":[{"_key":"6ead48c606ce","_ref":"33d1ae5f-e338-4a6a-99bd-51b86ddba053","_type":"reference"},{"_key":"aed4952e4fc3","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"excerpt":[{"_key":"59ec1d53decb","_type":"block","children":[{"_key":"1dbc18bdf8e0","_type":"span","marks":[],"text":"These tax-free savings accounts allow you to build up a nest egg for the kids. You can open a Cash JISA or a Stocks & Shares JISA, and anyone can pay into this until your child’s 18th birthday. "}],"markDefs":[],"style":"normal"}],"linkMenu":[{"_key":"d8880ca22ac7","_ref":"d1b0fe9f-f8ea-4e1f-b330-37efe56a03de","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":"Junior ISA","asset":{"_ref":"image-c0f2965989286f63dd7f50de95824435dd6dabbe-3840x2160-png","_type":"reference"}},"publishedAt":"2025-05-12T15:43:06.303Z","slug":{"_type":"slug","current":"junior-isa"},"subfolder":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"template":"C-SB","title":"Junior ISAs Explained: A Complete Guide to Saving for Your Child's Future","widgets":[{"_key":"0b6052246962","_ref":"79cbfce0-99a3-451e-82d4-c0b6a4487777","_type":"reference"},{"_key":"edd5d38e0154","_ref":"2d98a13f-5211-453c-be9e-9785894654db","_type":"reference"},{"_key":"6908879ea7e4","_ref":"bd52d3fb-8c34-42af-937b-c07bfe971d53","_type":"reference"},{"_key":"ff60ab93a31e","_ref":"2ec70f10-4986-454c-990f-b04eefcc6d9a","_type":"reference"},{"_key":"afe4fa333bf2","_ref":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","_type":"reference"},{"_key":"4a8ebb8d8b18","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-a5e8be0c-d196-5776-be13-ede8cdfdbe82","children":[],"parent":null}},{"_key":"232ff5b412f6","_type":"internalLinkPick","reference":{"_id":"drafts.f87e514a-5bd1-4a7c-95cd-f1676e520028","_type":"information","_rev":"9368c80d-6d30-42dd-b332-669a695d7db2","_createdAt":"2021-06-22T08:28:30Z","_updatedAt":"2026-06-24T14:36:01Z","_system":{"base":{"id":"f87e514a-5bd1-4a7c-95cd-f1676e520028","rev":"muubJbnqtrruHU5vpZ5VgQ"}},"authors":[{"_key":"174fa6409a7e","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"7b5fa434a931","_type":"block","children":[{"_key":"bbe32d8bc18b","_type":"span","marks":[],"text":"By"},{"_key":"7cef609b8458","_type":"span","marks":["strong"],"text":" "},{"_key":"7573951c7974","_type":"span","marks":["strong","6a5580b06d23"],"text":"Boring Money"}],"markDefs":[{"_key":"6a5580b06d23","_type":"internalLinkPick","blank":true}],"style":"normal"}],"body":[{"_key":"0d27656b913e","_type":"block","children":[{"_key":"6a61a27a9934","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"075dfbf5c114","_type":"anchorMenuMobile","title":"s"},{"_key":"6d7804ad1102","_type":"block","children":[{"_key":"760fe485c167","_type":"span","marks":[],"text":""},{"_key":"9818439c91a0","_type":"mainAnchor","pageAnchor":{"_ref":"5709e327-caf0-425e-90a9-173a2203789a","_type":"reference"}},{"_key":"b0840116c654","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"43d9b45552e2","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"83a044112f15","_type":"block","children":[{"_key":"aff05c8de7e4","_type":"span","marks":[],"text":"🥜 In a nutshell"}],"markDefs":[],"style":"h4"},{"_key":"a39c86d649a5","_type":"block","children":[{"_key":"4f4576d779ee","_type":"span","marks":["strong"],"text":"Free top-up from the government - "},{"_key":"2bafafbd07c8","_type":"span","marks":[],"text":"You get a 25% bonus on what you put in (up to £1,000 a year)."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"81655245fa47","_type":"block","children":[{"_key":"519bb6d0f9d2","_type":"span","marks":["strong"],"text":"For first homes or retirement savings -"},{"_key":"5373baffc4ff","_type":"span","marks":[],"text":" Use it to buy your first property or withdraw at age 60."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"32d320754be9","_type":"block","children":[{"_key":"f7cb0173c81a","_type":"span","marks":["strong"],"text":"Age-limited -"},{"_key":"64980141186c","_type":"span","marks":[],"text":" You can only open one if you’re 18-39 and only contribute until you’re 50."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d2e600da3cad","_type":"block","children":[{"_key":"660168bfb361","_type":"span","marks":["strong"],"text":"Cash or Stocks & Shares -"},{"_key":"b51a3a93773d","_type":"span","marks":[],"text":" Choose a Cash LISA for cash interest or a Stocks & Shares LISA to (hopefully) grow your pot in the stock market."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"2b9268d3f65c","_type":"block","children":[{"_key":"027637d6978f","_type":"span","marks":["strong"],"text":"Penalty for breaking the rules - "},{"_key":"89633b6a69f8","_type":"span","marks":[],"text":"Take the money out early for anything other than a first home or retirement? You’ll wipe out 25% of your pot."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"a4ffa70daf56","_type":"block","children":[{"_key":"fea66813fc64","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d83b1999ac74","_type":"textboxWidget","text":[{"_key":"a17e97d69445","_type":"block","children":[{"_key":"ff315abf7247","_type":"span","marks":[],"text":"As of June 2026, the government has announced that it will be scrapping Lifetime ISAs (LISAs). They will be replaced by a new product called the First Time Buyer ISA (FTB ISA)."}],"markDefs":[],"style":"normal"},{"_key":"122b8076bd04","_type":"block","children":[{"_key":"e85be3a3cdfc","_type":"span","marks":[],"text":"Who is eligible?"}],"markDefs":[],"style":"h3"},{"_key":"9bbc5ff828aa","_type":"block","children":[{"_key":"75651317a7d0","_type":"span","marks":[],"text":"Anyone aged 18 or over who is looking to buy their first property with a mortgage can open an FTB ISA. Unlike the LISA, there is no upper age limit."}],"markDefs":[],"style":"normal"},{"_key":"90d5f20d90fb","_type":"block","children":[{"_key":"d679fb38c6b3","_type":"span","marks":[],"text":"Can I still use my existing LISA?"}],"markDefs":[],"style":"h3"},{"_key":"7400a76dfda6","_type":"block","children":[{"_key":"a58c19c001a4","_type":"span","marks":[],"text":"Yes. If you have already opened a LISA, you can still use it to purchase a home. However, you cannot transfer funds between an existing LISA and a new FTB ISA."}],"markDefs":[],"style":"normal"},{"_key":"0458db03cfea","_type":"block","children":[{"_key":"28ce3ba03812","_type":"span","marks":[],"text":"FTB ISAs will also count towards your overall ISA allowance. In addition, the new cash ISA limit of £12,000 for individuals under the age of 65, which comes into effect in April 2017, will continue to apply."}],"markDefs":[],"style":"normal"}],"title":"Please note:"},{"_key":"1083990ba206","_type":"block","children":[{"_key":"7c3669462092","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"093127e3efa8","_type":"block","children":[{"_key":"ebe5da862757","_type":"span","marks":[],"text":""},{"_key":"8aebdbcc92a5","_type":"mainAnchor","pageAnchor":{"_ref":"324318c3-df5b-48b0-b1e9-a9ca1902ed41","_type":"reference"}},{"_key":"421176d54105","_type":"span","marks":[],"text":"The basics of Lifetime ISAs"}],"markDefs":[],"style":"h2"},{"_key":"530c5cb99a8f","_type":"block","children":[{"_key":"c9124c706bea","_type":"span","marks":[],"text":"Lifetime ISAs (or LISAs) are a clever way to save or invest for two of life's biggest financial goals: buying your first home or retirement. In return, the government gives you a juicy bonus of 25% on whatever you put in - up to £1,000 a year of free money!"}],"markDefs":[],"style":"normal"},{"_key":"b23446c73190","_type":"block","children":[{"_key":"9670b6aa6efa","_type":"span","marks":[],"text":"You can open one if you're aged 18-39 and pay into it until you're 50, and your savings can sit in cash or be invested in the stock market, depending on your "},{"_key":"e4abf82e9a25","_type":"span","marks":["6c9137b7bdf5"],"text":"risk appetite"},{"_key":"1e89cbe935ad","_type":"span","marks":[],"text":". "}],"markDefs":[{"_key":"6c9137b7bdf5","_type":"glossaryPick","reference":{"_ref":"5c1b3b32-e538-4348-9962-230c72bb1e7d","_type":"reference"}}],"style":"normal"},{"_key":"f1c56e3a3a89","_type":"block","children":[{"_key":"d6bce7e18c21","_type":"span","marks":[],"text":"But there’s a catch. The money can "},{"_key":"a22336bead9d","_type":"span","marks":["em"],"text":"only"},{"_key":"678095a6f992","_type":"span","marks":[],"text":" be used to purchase your first property (and only if it's worth £450k or less) or withdrawn tax-free after age 60 for retirement purposes. Use it for anything else, and there’s a painful penalty of 25% of the total value of your pot."}],"markDefs":[],"style":"normal"},{"_key":"b0d6c64e835b","_type":"block","children":[{"_key":"c684065e761a","_type":"span","marks":[],"text":"You can think of a LISA like a savings account with strings attached. But if you play by the rules, it’s one of the most generous saving tools out there. Whether you’re planning to get on the property ladder or add to your retirement pot, a LISA could give your efforts a serious boost."}],"markDefs":[],"style":"normal"},{"_key":"63a5928c04c0","_type":"block","children":[{"_key":"d2c54a312567","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"e406a9632d6f","_type":"block","children":[{"_key":"eeca66bb92dc","_type":"span","marks":["strong"],"text":"See the winners of our Best Buy LISA award 2025"}],"markDefs":[],"style":"normal"}],"_key":"7c7bd3f7d9b9","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"7751737d-084c-4a55-9046-e35ea8792d3c","_type":"reference"},"text":"SHOW ME"},{"_key":"7020e885f369","_type":"block","children":[{"_key":"f60297206409","_type":"span","marks":[],"text":""},{"_key":"939bf81d4c8c","_type":"mainAnchor","pageAnchor":{"_ref":"094d1a3e-f7bf-4543-a216-e6804a5653f3","_type":"reference"}},{"_key":"39a4f17c3dac","_type":"span","marks":[],"text":"Is a Lifetime ISA right for me?"}],"markDefs":[],"style":"h2"},{"_key":"91a8b9eb468e","_type":"prosConsWidget","cons":["Are already over 40","Might need to withdraw your savings for other reasons","Want to save at a faster pace"],"consTitle":"Bad if you","pros":["Are saving for your first property or planning ahead for retirement","Are under 40 and can save up to £4,000 a year","Want free cash from the government in return for your saving efforts"],"prosTitle":"Good if you"},{"_key":"0f15bcad9d78","_type":"block","children":[{"_key":"4c2ed72f827f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5565fbe69e84","_type":"block","children":[{"_key":"9f59862031ef","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cffbfd80163b","_type":"blockQuote","adviserLink":{"_ref":"2d43f78b-ca49-4653-8447-cc5ac79ae56b","_type":"reference"},"adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","asset":{"_ref":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png","_type":"reference"},"blankAltTag":true},"quote":[{"_key":"9a363c1c3aec","_type":"block","children":[{"_key":"e3b80cf3cc09","_type":"span","marks":[],"text":"I generally think that investing little and often is a sensible approach. But for a Lifetime ISA, I think compounding means you should consider putting in your £4,000 as early in the tax year as possible, if you can. Because you secure the 25% top-up, so that snowball gets rolling sooner. The risk is that markets then plunge. However, I would say that anyone saving for a property deposit in a Stocks & Shares LISA should have a timeframe of at least 5 years, so you should be able to ride out any wobbles over this longer term. Less than that and a Cash LISA might be a \"safer\" route."}],"markDefs":[],"style":"normal"}]},{"_key":"c0060a9a430b","_type":"block","children":[{"_key":"085538052320","_type":"span","marks":[],"text":""},{"_key":"94f6e7b0a04a","_type":"mainAnchor","pageAnchor":{"_ref":"a2748707-923a-4ba0-b66d-cbe3a285ea46","_type":"reference"}},{"_key":"d6e477b37a01","_type":"span","marks":[],"text":"The pros of Lifetime ISAs"}],"markDefs":[],"style":"h2"},{"_key":"2e63d2e52ffe","_type":"block","children":[{"_key":"0351e20fbd75","_type":"span","marks":[],"text":""},{"_key":"d5bfe4cd93a9","_type":"mainAnchor","pageAnchor":{"_ref":"7fbf057a-d85e-4371-a16a-16d5abd04dea","_type":"reference"}},{"_key":"1de0a97e2991","_type":"span","marks":[],"text":"✅ Free government bonus"}],"markDefs":[],"style":"h3"},{"_key":"66a647bc3b1d","_type":"block","children":[{"_key":"78b045090c8f","_type":"span","marks":[],"text":"This is the headline act. For every £4 you contribute, the government adds £1 - up to a maximum bonus of £1,000 each tax year. That’s an instant 25% boost just to reward you for saving, with no extra work required. Whether you're saving for your first home or for later life, it’s one of the most generous incentives out there. Over time, consistent saving can stack up significantly; If you maxed out your £4,000 annual contributions for a solid 10 years, you'd get an extra £10,000 in bonuses."}],"markDefs":[],"style":"normal"},{"_key":"dc060942e307","_type":"block","children":[{"_key":"9d371b9c2893","_type":"span","marks":[],"text":"Regular savings vs LISA (with bonus)"}],"markDefs":[],"style":"h4"},{"_key":"bff5aa2481a1","_type":"frameWidget","href":"https://www.canva.com/design/DAGrctu6Mig/XiBSAzolA5satHHcWfXo6A/view?embed"},{"_key":"9fc59e0a5467","_type":"block","children":[{"_key":"da99a005f80a","_type":"span","marks":["em"],"text":"For illustrative purposes only. Based on contributions of £4,000 per year and maximum £1,000 LISA bonus. Not inclusive of any cash interest or investment returns."}],"markDefs":[],"style":"small"},{"_key":"dafe28c65cbd","_type":"block","children":[{"_key":"9e4b014eb312","_type":"span","marks":[],"text":""},{"_key":"bb6d0fde5de8","_type":"mainAnchor","pageAnchor":{"_ref":"0499732c-efdd-4ac7-ae61-bec2c9191173","_type":"reference"}},{"_key":"cd68abec8a0b","_type":"span","marks":[],"text":"✅ Tax-free growth"}],"markDefs":[],"style":"h3"},{"_key":"d294220fcd8f","_type":"block","children":[{"_key":"caa354d58f6e","_type":"span","marks":[],"text":"Like all ISA accounts, any interest on cash or "},{"_key":"a77729029b77","_type":"span","marks":["72e8294a351c"],"text":"dividends"},{"_key":"3647e67d1365","_type":"span","marks":[],"text":" or "},{"_key":"e74a33f5b341","_type":"span","marks":["e7be6cb9f9a6"],"text":"gains"},{"_key":"3f574a135447","_type":"span","marks":[],"text":" from investments earned with your Lifetime ISA are free from "},{"_key":"69ed73cd5334","_type":"span","marks":["7b35458ed0ef"],"text":"Income Tax "},{"_key":"daa2b1017128","_type":"span","marks":[],"text":"and "},{"_key":"d3abf234fe7f","_type":"span","marks":["6a05460a670e"],"text":"Capital Gains Tax"},{"_key":"928ca7143ad1","_type":"span","marks":[],"text":". That applies whether you go for a Cash LISA or a Stocks & Shares LISA. Over the long term, this can make a meaningful difference to your total savings, especially if you’re investing and then reinvesting your gains over decades to benefit from the power of "},{"_key":"97c628b8e865","_type":"span","marks":["b8715f25f837"],"text":"compounding"},{"_key":"f2e02affe72a","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"72e8294a351c","_type":"glossaryPick","reference":{"_ref":"879c473d-ba07-433e-ad4d-217e24243b54","_type":"reference"}},{"_key":"e7be6cb9f9a6","_type":"glossaryPick","reference":{"_ref":"f3dbc82f-00ff-44e5-957a-1f0281241668","_type":"reference"}},{"_key":"6a05460a670e","_type":"internalLinkPick","reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}},{"_key":"7b35458ed0ef","_type":"internalLinkPick","reference":{"_ref":"cfbae5f9-09e2-4ebd-b540-7b2843cb6161","_type":"reference"}},{"_key":"b8715f25f837","_type":"glossaryPick","reference":{"_ref":"e506e313-901b-455c-8082-9f4f04f70ea3","_type":"reference"}}],"style":"normal"},{"_key":"2da943294216","_type":"block","children":[{"_key":"6ae795b52e1b","_type":"span","marks":[],"text":""},{"_key":"c002933f5bd0","_type":"mainAnchor","pageAnchor":{"_ref":"9e2570a2-0977-4c47-b28a-4c86daf15936","_type":"reference"}},{"_key":"790e3662cd4c","_type":"span","marks":[],"text":"✅ Couples can combine their savings"}],"markDefs":[],"style":"h3"},{"_key":"e91fdab9c6f4","_type":"block","children":[{"_key":"1802a6469f53","_type":"span","marks":[],"text":"If you’re in a couple and you both maximise your Lifetime ISA allowances, over 10 years you could potentially save £100,000 towards the purchase of your first home! Just remember the maximum £450,000 house price limit doesn't increase even if you combine LISAs with someone else."}],"markDefs":[],"style":"normal"},{"_key":"edc877072f70","_type":"block","children":[{"_key":"99192c56460a","_type":"span","marks":[],"text":""},{"_key":"cd397bb8b28b","_type":"mainAnchor","pageAnchor":{"_ref":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"reference"}},{"_key":"7641de600604","_type":"span","marks":[],"text":"The cons of Lifetime ISAs"}],"markDefs":[],"style":"h2"},{"_key":"a73a74fc3a46","_type":"block","children":[{"_key":"9f23de66b6dc","_type":"span","marks":[],"text":""},{"_key":"723f7c554450","_type":"mainAnchor","pageAnchor":{"_ref":"32d466f0-75e7-47ff-ba18-423bfe28314c","_type":"reference"}},{"_key":"a142763ec4d7","_type":"span","marks":[],"text":"❌ 25% withdrawal penalty"}],"markDefs":[],"style":"h3"},{"_key":"6a98825a2a7a","_type":"block","children":[{"_key":"b98a0900bd25","_type":"span","marks":[],"text":"This is the sting in the tail. If you take money out of your LISA for anything other than your first home or after age 60, you'll face a 25% penalty on the total withdrawal amount. That’s not just losing your bonus - it actually eats into your own savings. For example, save £4,000 and you’ll get a £1,000 bonus. But if you withdraw early, you’ll get back just £3,750 – losing £250 of your original cash. Put simply, it's best to completely avoid having to withdraw LISA funds for any reason other than buying your first property or for retirement, or you risk undoing potentially years of diligent saving as well as the free bonus."}],"markDefs":[],"style":"normal"},{"_key":"7a7271232137","_type":"block","children":[{"_key":"2bf702870684","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d5ce3c369bbb","_type":"blockQuote","adviserName":"Rachel Vahey","jobTitle":"Head of Public Policy, AJ Bell","photo":{"_type":"mainImage","blankAltTag":true},"quote":[{"_key":"cee480c2f40b","_type":"block","children":[{"_key":"fc5fcddf0f94","_type":"span","marks":[],"text":"Generally, people don’t plan to make ‘unauthorised’ withdrawals, but they end up doing so because life doesn’t always go according to the script."}],"markDefs":[],"style":"normal"}]},{"_key":"2e9edc9114f4","_type":"block","children":[{"_key":"20992aa879fa","_type":"span","marks":[],"text":""},{"_key":"95919f668aea","_type":"mainAnchor","pageAnchor":{"_ref":"cf1cd408-e659-4cba-93c6-90ebc6a94526","_type":"reference"}},{"_key":"2367a37a703f","_type":"span","marks":[],"text":"❌ Annual contribution cap"}],"markDefs":[],"style":"h3"},{"_key":"0382f166f02b","_type":"block","children":[{"_key":"df3f3bfad9e5","_type":"span","marks":[],"text":"Another big downside to the LISA - you can only put in up to £4,000 per year (significantly less than the overall £20,000 annual ISA allowance). This will be plenty for many savers, but if you’re a higher earner or looking to aggressively build up retirement savings, the cap can feel tight. Plus, you can only contribute up to the age of 50, even though you can’t access the money without penalty until 60. That effectively gives you a 32-year window (from 18 to 50) to contribute, and means planning ahead is key."}],"markDefs":[],"style":"normal"},{"_key":"c8b73639eb64","_type":"block","children":[{"_key":"984e2602b2f2","_type":"span","marks":[],"text":""},{"_key":"3735a2e3ddb7","_type":"mainAnchor","pageAnchor":{"_ref":"2e253713-14da-4d65-b267-6a85c1a5a94f","_type":"reference"}},{"_key":"5d4ef88298b4","_type":"span","marks":[],"text":"❌ £450,000 house price cap"}],"markDefs":[],"style":"h3"},{"_key":"fd77a61dcd6d","_type":"block","children":[{"_key":"568008d9cc8d","_type":"span","marks":[],"text":"Finally, to use your LISA savings to buy a home, the property must be valued at a maximum of £450,000. That might be perfectly doable in many parts of the UK, but in London, the South East, and other high-demand areas, it can be a dealbreaker. Go even a pound over the limit and your entire LISA withdrawal becomes ‘unauthorised’, triggering that nasty 25% penalty. It’s a hard line and one to watch closely if you’re looking to buy in a pricey area. This "},{"_key":"829fe773b86e","_type":"span","marks":["e7d659d6bafa"],"text":"interactive house price map"},{"_key":"39e307a9503c","_type":"span","marks":[],"text":" can give you a good indication of what property prices are like in the region you want to buy in."}],"markDefs":[{"_key":"e7d659d6bafa","_type":"internalLinkPick","blank":true,"reference":{"_ref":"f0809b81-b5c8-4dd7-b27f-55676826f0de","_type":"reference"}}],"style":"normal"},{"_key":"78977703846c","_type":"block","children":[{"_key":"73eabbd39933","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"62bb36bd8b48","_type":"blockQuote","adviserName":"Alice Haine","jobTitle":"Personal Finance Analyst, Bestinvest","photo":{"_type":"mainImage","blankAltTag":true},"quote":[{"_key":"ae0328fe5980","_type":"block","children":[{"_key":"42c759ebd91e","_type":"span","marks":[],"text":"The £450,000 cap on the value of a first home a LISA saver can use their pot for is restrictive as it has never increased and average homes in some parts of the country, particularly in London, are higher than this - something that can prevent first-time buyers from using their LISA pot for its intended purpose."}],"markDefs":[],"style":"normal"}]},{"_key":"595b227aed23","_type":"block","children":[{"_key":"61c85c7c46f4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"29e5815ac3a7","_type":"block","children":[{"_key":"706f02f0f1f2","_type":"span","marks":[],"text":"FREE TOOL: Not sure which LISA is right for you?"}],"markDefs":[],"style":"h4"},{"_key":"413101212e38","_type":"block","children":[{"_key":"689ff7bc39ee","_type":"span","marks":[],"text":"Answer 6 questions. 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Both come with the same government bonus and annual limits, but they work very differently. Picking the right one comes down to your "},{"_key":"d9e9731f663d","_type":"span","marks":["3a3bc5a73b71"],"text":"time horizon"},{"_key":"4eb12f9acbb2","_type":"span","marks":[],"text":","},{"_key":"6381f724d6f2","_type":"span","marks":["2b2883d3e850"],"text":" risk appetite "},{"_key":"e69e3d71ad41","_type":"span","marks":[],"text":"and what you’re saving for."}],"markDefs":[{"_key":"3a3bc5a73b71","_type":"glossaryPick","reference":{"_ref":"a763c342-c27a-444a-b56e-bcb9872c31d0","_type":"reference"}},{"_key":"2b2883d3e850","_type":"glossaryPick","reference":{"_ref":"5c1b3b32-e538-4348-9962-230c72bb1e7d","_type":"reference"}}],"style":"normal"},{"_key":"56352191ef6e","_type":"block","children":[{"_key":"5345ed11b482","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f6f47e9ef7d5","_type":"prosConsWidget","prosTitle":"Cash LISA: Usually better for first-time buyers"},{"_key":"3e6319653bb0","_type":"block","children":[{"_key":"f52aa8c46407","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c0c12f7c8ca2","_type":"block","children":[{"_key":"438260621053","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a48c022bc56e","_type":"block","children":[{"_key":"f16fc526bd72","_type":"span","marks":[],"text":"Cash LISAs are simple - they work essentially like a savings account, with interest paid tax-free. Your money is protected (up to £85,000 per provider under FSCS), and your returns are pretty predictable as with most cash products. Ideal if you’re:"}],"markDefs":[],"style":"normal"},{"_key":"667e87cbca8c","_type":"block","children":[{"_key":"e5d0e561e688","_type":"span","marks":[],"text":"Planning to buy your first home within the next 5 years or so"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e8f3a9409335","_type":"block","children":[{"_key":"3e0e74fcfebd","_type":"span","marks":[],"text":"Risk-averse and don’t want to worry about market ups and downs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"103253ad836e","_type":"block","children":[{"_key":"bdada4d710a2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"46275838f90b","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"66092ea118a3","_type":"block","children":[{"_key":"70a8a799824a","_type":"span","marks":["strong"],"text":"The catch?"},{"_key":"921c05ecf9b6","_type":"span","marks":[],"text":" With the maximum annual contribution at just £4,000, those saving to buy a property in the near future may find they want to be tucking away more than this. Though if this is the case, you may find it's a good idea to open a Cash LISA and max it out "},{"_key":"f9c6b4e198f3","_type":"span","marks":["em"],"text":"on top of "},{"_key":"c769621954b1","_type":"span","marks":[],"text":"any existing deposit savings you have in another account to turbo-charge your home-buying mission."}],"markDefs":[],"style":"normal"}]},{"_key":"7a914c5229ea","_type":"block","children":[{"_key":"cba9bfeab789","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c55794d44594","_type":"prosConsWidget","prosTitle":"Stocks & Shares LISA: Better suited for longer-term retirement saving"},{"_key":"abbd2be2e107","_type":"block","children":[{"_key":"40b3b216f6ad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4604196fb97b","_type":"block","children":[{"_key":"724c2441ad71","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7afc5b8b0e2b","_type":"block","children":[{"_key":"efbbc1199d43","_type":"span","marks":[],"text":"Stocks & Shares LISAs invest your money in things like shares, bonds and funds to grow your savings over the long term, ideally beating "},{"_key":"24577cb1a0a3","_type":"span","marks":["78b730866ab1"],"text":"inflation"},{"_key":"f1cf60164956","_type":"span","marks":[],"text":" and interest rates. Best suited for savers who are:"}],"markDefs":[{"_key":"78b730866ab1","_type":"glossaryPick","reference":{"_ref":"9d62b1af-7674-4f39-ba20-b0154d565241","_type":"reference"}}],"style":"normal"},{"_key":"d3a084dc6a11","_type":"block","children":[{"_key":"97a6e38ecac5","_type":"span","marks":[],"text":"Investing for retirement or a home more than 5 years away"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"30c36bdbe677","_type":"block","children":[{"_key":"9c7dabdef38f","_type":"span","marks":[],"text":"Comfortable with ups and downs in the market"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"79e2f11b5be2","_type":"block","children":[{"_key":"604800256d92","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"35e55a906d57","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"e499a63990ff","_type":"block","children":[{"_key":"ecdab26a58a2","_type":"span","marks":["strong"],"text":"What about risk?"},{"_key":"e6c05a17e415","_type":"span","marks":[],"text":" The usual warning that investments can fall as well as rise applies here. If you need your money quickly and the market dips just as you want to buy, you could end up with less than you put in (plus the government bonus). However, historical evidence indicates "},{"_key":"48fe9ee88c83","_type":"span","marks":["ddc6e7ab0e78"],"text":"the stock market tends to perform better than cash"},{"_key":"ed8138342e26","_type":"span","marks":[],"text":" over the long-term, so if you've got more time on your hands then a Stocks & Shares LISA could be a better fit."}],"markDefs":[{"_key":"ddc6e7ab0e78","_type":"internalLinkPick","reference":{"_ref":"e8801998-7f58-49d9-8198-9baa06f77fd3","_type":"reference"}}],"style":"normal"}]},{"_key":"77cf1fee1f17","_type":"block","children":[{"_key":"760dd18f40eb","_type":"span","marks":[],"text":""},{"_key":"924449815eef","_type":"mainAnchor","pageAnchor":{"_ref":"0b463545-ed2c-41b1-bdef-c7ba2cbbae6d","_type":"reference"}},{"_key":"97190e367060","_type":"span","marks":[],"text":"How much could I save with a Lifetime ISA?"}],"markDefs":[],"style":"h3"},{"_key":"70645fa7b429","_type":"block","children":[{"_key":"daf83f528579","_type":"span","marks":[],"text":"The amount you can build up in a Lifetime ISA depends on how much you contribute, whether you choose a Cash or Stocks & Shares LISA, and how your savings or investments perform over time."}],"markDefs":[],"style":"normal"},{"_key":"1621ccbee2fc","_type":"block","children":[{"_key":"a94b75d1ab51","_type":"span","marks":[],"text":"If you max out your contributions on a Cash ISA (£4,000 a year from age 18 to 50), you could deposit £128,000 in total. Add in the 25% government bonus, and that’s an extra £32,000, bringing your pot to £160,000. And that's not including any interest earned on top of this."}],"markDefs":[],"style":"normal"},{"_key":"9c23639459b3","_type":"block","children":[{"_key":"2fd09c9aeb72","_type":"span","marks":[],"text":"With a Stocks & Shares LISA, you benefit from potential investment growth. Assuming average annual returns of 5% (not guaranteed and used here purely as an illustration), your Lifetime ISA could grow to over £395,000 by age 50. That’s the power of long-term investing and compound interest again."}],"markDefs":[],"style":"normal"},{"_key":"08f9476635e7","_type":"block","children":[{"_key":"d2ddf0f675aa","_type":"span","marks":[],"text":"However, stock markets do rise and fall and returns are never guaranteed. So while the potential for higher returns is real, so is the risk of losses, especially in the short term."}],"markDefs":[],"style":"normal"},{"_key":"6f04d9d6accc","_type":"block","children":[{"_key":"9fc58f75e3fd","_type":"span","marks":[],"text":"A Cash LISA, on the other hand, offers more stability - but usually lower growth. The interest paid on Cash LISAs differs from provider to provider and may struggle to keep pace with inflation - eroding the real value of your savings over longer periods of time. 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Click the link below to start."}],"markDefs":[],"style":"normal"},{"_key":"3ef54e5174f2","_type":"block","children":[{"_key":"370aeb6ab96e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"c580970e50ba","_type":"block","children":[{"_key":"89fdfe50ffc5","_type":"span","marks":["strong"],"text":"Calculate how a LISA could help you save for your dream home"}],"markDefs":[],"style":"normal"}],"_key":"7d4a3d247653","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"reference":{"_ref":"1eaf9a8c-2b48-47a2-b7a7-a4ca4aacc5b4","_type":"reference"},"text":"CALCULATE"},{"_key":"586004c90c3f","_type":"block","children":[{"_key":"5b5f84fd06f6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e2ac922bc398","_type":"block","children":[{"_key":"7ae8eb891330","_type":"span","marks":[],"text":""},{"_key":"52cc886c1db7","_type":"mainAnchor","pageAnchor":{"_ref":"5acb819f-6fa2-47c5-a9d2-f1ed1173ae55","_type":"reference"}},{"_key":"ccb07ac438dc","_type":"span","marks":[],"text":"Can I use my LISA with someone else?"}],"markDefs":[],"style":"h3"},{"_key":"bc94c3686159","_type":"block","children":[{"_key":"8eb79f25eeca","_type":"span","marks":[],"text":"Yes, you can use your Lifetime ISA alongside someone else’s when buying your first home. If both of you are first-time buyers and each have a LISA, you can both put your savings and the 25% government bonuses towards the same property. That could mean up to £10,000 a year between you in contributions and top-ups, which can give your deposit a serious boost!"}],"markDefs":[],"style":"normal"},{"_key":"7c2d5a358bfa","_type":"block","children":[{"_key":"ee795a097c27","_type":"span","marks":[],"text":"But here’s the catch: if your partner (or co-buyer) is not a first-time buyer, you can still use "},{"_key":"8e37f5054a91","_type":"span","marks":["em"],"text":"your"},{"_key":"0fce08a17d82","_type":"span","marks":[],"text":" LISA, but they can’t use theirs. The property must also still cost £450,000 or less. 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People generally consider moving if they want to access the stock market - not just cash - or if they can save up to the maximum £4,000 a year and so benefit from the total government bonus. The big caveat is that there were no hefty withdrawal fees on the Help to Buy ISA if you changed your mind and just closed the account. However, remember that there "},{"_key":"eecc30ee6fbd","_type":"span","marks":["em"],"text":"is "},{"_key":"481a0d232cb4","_type":"span","marks":[],"text":"one on all withdrawals from a Lifetime ISA that aren't explicitly for purchasing your first property or for retirement."}],"markDefs":[],"style":"normal"},{"_key":"4b1a3c50da24","_type":"block","children":[{"_key":"b6056bb6406a","_type":"span","marks":[],"text":"You can choose to transfer all - or just some - of a Help to Buy ISA into a Lifetime ISA, as long as you don’t transfer more than the annual £4,000 LISA allowance during a single tax year (which runs from 6 April). If you have more than £4,000 in a Help to Buy ISA, you’ll have to stagger the transfer over more than one tax year and do it in two hits. And you'll be foregoing the penalty-free withdrawals of the Help to Buy ISA. So think carefully about whether this is definitely the right choice for you."}],"markDefs":[],"style":"normal"},{"_key":"5f160ba7fd65","_type":"block","children":[{"_key":"abecca288df3","_type":"span","marks":[],"text":"Also, a Lifetime ISA needs to have been opened for at least 12 months before you can use it to buy your first home, so bear this in mind if you're considering switching close to when you purchase a property."}],"markDefs":[],"style":"normal"},{"_key":"9dbe74d2e878","_type":"block","children":[{"_key":"08587704f398","_type":"span","marks":[],"text":""},{"_key":"469be2efac4b","_type":"mainAnchor","pageAnchor":{"_ref":"bfccf389-5c65-4e59-b727-fd97eee75b82","_type":"reference"}},{"_key":"a811e9a69daf","_type":"span","marks":[],"text":"What happens to my LISA after I turn 50?"}],"markDefs":[],"style":"h3"},{"_key":"288eaf94389b","_type":"block","children":[{"_key":"cc8aebe3d6e1","_type":"span","marks":[],"text":"Once you turn 50, your Lifetime ISA effectively locks. 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You can leave your money where it is until you're ready to access it - which can be any time from age 60 without penalty."}],"markDefs":[],"style":"normal"},{"_key":"ab1de57704f1","_type":"block","children":[{"_key":"dd350eb952cd","_type":"span","marks":[],"text":""},{"_key":"e55c9858c9a3","_type":"mainAnchor","pageAnchor":{"_ref":"34b1353a-e3e4-4949-a55d-dde0ba144f90","_type":"reference"}},{"_key":"d2d0604dcd8c","_type":"span","marks":[],"text":"Key takeaways on Lifetime ISAs"}],"markDefs":[],"style":"h2"},{"_key":"4698d39363ed","_type":"block","children":[{"_key":"2e2cdda09e44","_type":"span","marks":[],"text":"💰 25% government bonus but with strings attached"}],"markDefs":[],"style":"h3"},{"_key":"494066e4177a","_type":"block","children":[{"_key":"64da0cdb31c5","_type":"span","marks":[],"text":"The Lifetime ISA gives you a hefty 25% boost from the government, up to £1,000 a year. 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It's a good service - helpful people on the phones, the app is clear enough to use, and there is a load of investment choice with good research. Recently announced price changes will remove many previous niggles about them being too expensive and put them firmly back in the game as a serious consideration for most investors who value support, research, and reliability rather than simply hunting down the lowest charge out there. Being critical, they have stood still for too long; the tech is a bit average, and it's time they did something innovative for customers again to deserve their spot at the top of the pack. But there is an air of change and determination there which I’ve not seen for a while, so I’m optimistic."}],"markDefs":[],"style":"normal"}]},{"_key":"eab994d72772","_type":"block","children":[{"_key":"af8cb8ecc77f","_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. 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HL’s ready-made options offer a simple, hands-free route that may appeal to some investors."}],"markDefs":[],"style":"normal"},{"_key":"a0784cbb0020","_type":"block","children":[{"_key":"af4e480773e3","_type":"span","marks":[],"text":"There is an account charge of 0.15% and a fund charge of 0.30% (0.45% in total). 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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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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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It's free to buy and free to sell."}],"markDefs":[],"style":"normal"},{"_key":"a01286926678","_type":"block","children":[{"_key":"4fc8cda8d30a","_type":"span","marks":[],"text":"There are no upfront fees and charges are taken monthly from your SIPP."}],"markDefs":[],"style":"normal"},{"_key":"0e016ca96aab","_type":"block","children":[{"_key":"360f484b03750","_type":"span","marks":[],"text":"There are no charges for entering into drawdown, transferring your plan, or taking out lump sums after retirement age."}],"markDefs":[],"style":"normal"},{"_key":"9eacdd78538b","_type":"block","children":[{"_key":"44497b37e169","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7dd3eb00bde3","_type":"block","children":[{"_key":"0442513d7298","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Hargreaves Lansdown Pension review"},{"_key":"8681dcd5aa3d","_type":"block","children":[{"_key":"f4bcdfbb7553","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"f13a7f588632","_type":"block","children":[{"_key":"4bc0d593cfac","_type":"span","marks":[],"text":"Ready-Made Pension offer available on Hargreaves Lansdown*"}],"markDefs":[],"style":"h4"},{"_key":"b0c7ef4343b2","_type":"block","children":[{"_key":"42f382834779","_type":"span","marks":[],"text":"Open a Ready-Made Pension Plan by 31 July 2026 and pay no charges until 30 April 2027. 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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 £85,000 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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HL’s ready-made options offer a simple, hands-free route that may appeal to some investors."}],"markDefs":[],"style":"normal"},{"_key":"a0784cbb0020","_type":"block","children":[{"_key":"af4e480773e3","_type":"span","marks":[],"text":"There is an account charge of 0.15% and a fund charge of 0.30% (0.45% in total). 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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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With Hargreaves Lansdown charging up to 0.45% for fund holdings, many investors could question whether the premium pricing is justified. Our analysis reveals surprising insights about the UK's largest investment platform and who actually benefits most from their services."}],"markDefs":[],"style":"normal"},{"_key":"f4a988f1c21b","_type":"block","children":[{"_key":"f34b0a3998890","_type":"span","marks":[],"text":"While Hargreaves Lansdown boasts an impressive 1.8 million customers and £140 billion in assets, the platform's higher fees have sparked debate among cost-conscious investors. 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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. Use it to break through the jargon and learn about common financial words and technical terms that relate to your money. 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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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HL’s ready-made options offer a simple, hands-free route that may appeal to some investors."}],"markDefs":[],"style":"normal"},{"_key":"a0784cbb0020","_type":"block","children":[{"_key":"af4e480773e3","_type":"span","marks":[],"text":"There is an account charge of 0.15% and a fund charge of 0.30% (0.45% in total). 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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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With Hargreaves Lansdown charging up to 0.45% for fund holdings, many investors could question whether the premium pricing is justified. Our analysis reveals surprising insights about the UK's largest investment platform and who actually benefits most from their services."}],"markDefs":[],"style":"normal"},{"_key":"f4a988f1c21b","_type":"block","children":[{"_key":"f34b0a3998890","_type":"span","marks":[],"text":"While Hargreaves Lansdown boasts an impressive 1.8 million customers and £140 billion in assets, the platform's higher fees have sparked debate among cost-conscious investors. 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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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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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A "},{"_key":"d2da7be7f3ec","_type":"span","marks":["bbf4adfe2e3e"],"text":"Stocks & Shares ISA"},{"_key":"6ad43428d8e9","_type":"span","marks":[],"text":" invests your money in the stock market, which means higher potential returns but also the possibility of losing money. 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It's a good service - helpful people on the phones, the app is clear enough to use, and there is a load of investment choice with good research. Recently announced price changes will remove many previous niggles about them being too expensive and put them firmly back in the game as a serious consideration for most investors who value support, research, and reliability rather than simply hunting down the lowest charge out there. Being critical, they have stood still for too long; the tech is a bit average, and it's time they did something innovative for customers again to deserve their spot at the top of the pack. But there is an air of change and determination there which I’ve not seen for a while, so I’m optimistic."}],"markDefs":[],"style":"normal"}]},{"_key":"eab994d72772","_type":"block","children":[{"_key":"af8cb8ecc77f","_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. 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It's free to buy and free to sell."}],"markDefs":[],"style":"normal"},{"_key":"a01286926678","_type":"block","children":[{"_key":"4fc8cda8d30a","_type":"span","marks":[],"text":"There are no upfront fees and charges are taken monthly from your SIPP."}],"markDefs":[],"style":"normal"},{"_key":"0e016ca96aab","_type":"block","children":[{"_key":"360f484b03750","_type":"span","marks":[],"text":"There are no charges for entering into drawdown, transferring your plan, or taking out lump sums after retirement age."}],"markDefs":[],"style":"normal"},{"_key":"9eacdd78538b","_type":"block","children":[{"_key":"44497b37e169","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7dd3eb00bde3","_type":"block","children":[{"_key":"0442513d7298","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Hargreaves Lansdown Pension review"},{"_key":"8681dcd5aa3d","_type":"block","children":[{"_key":"f4bcdfbb7553","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"f13a7f588632","_type":"block","children":[{"_key":"4bc0d593cfac","_type":"span","marks":[],"text":"Ready-Made Pension offer available on Hargreaves Lansdown*"}],"markDefs":[],"style":"h4"},{"_key":"b0c7ef4343b2","_type":"block","children":[{"_key":"42f382834779","_type":"span","marks":[],"text":"Open a Ready-Made Pension Plan by 31 July 2026 and pay no charges until 30 April 2027. 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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 £85,000 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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"}],"markDefs":[{"_key":"298daf3775d7","_type":"internalLinkPick","blank":true,"reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"}},{"_key":"bbf4adfe2e3e","_type":"internalLinkPick","blank":true,"reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How is a Stocks & Shares ISA different from a Cash ISA?"},{"_key":"096d2b879670a03519945e5f2ce697b1","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"f7f88452a993","_type":"block","children":[{"_key":"4131fe7474b1","_type":"span","marks":[],"text":"Can I take my money out whenever I want?"}],"markDefs":[],"style":"h3"},{"_key":"0ca874e0f967","_type":"block","children":[{"_key":"1c527eff7158","_type":"span","marks":[],"text":"Yes — there's no lock-in. 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A "},{"_key":"d2da7be7f3ec","_type":"span","marks":["bbf4adfe2e3e"],"text":"Stocks & Shares ISA"},{"_key":"6ad43428d8e9","_type":"span","marks":[],"text":" invests your money in the stock market, which means higher potential returns but also the possibility of losing money. "}],"markDefs":[{"_key":"298daf3775d7","_type":"internalLinkPick","blank":true,"reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"}},{"_key":"bbf4adfe2e3e","_type":"internalLinkPick","blank":true,"reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How is a Stocks & Shares ISA different from a Cash ISA?"},{"_key":"096d2b879670a03519945e5f2ce697b1","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"f7f88452a993","_type":"block","children":[{"_key":"4131fe7474b1","_type":"span","marks":[],"text":"Can I take my money out whenever I want?"}],"markDefs":[],"style":"h3"},{"_key":"0ca874e0f967","_type":"block","children":[{"_key":"1c527eff7158","_type":"span","marks":[],"text":"Yes — there's no lock-in. However, if you withdraw and pay money back in within the same tax year, this can affect your annual £20,000 allowance unless your ISA is a \"flexible\" one. Always check with your provider."}],"markDefs":[],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Can I take my money out whenever I want?"},{"_key":"bf3655d9727d899472e62678637bd6f4","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"cef5c86d40ff","_type":"block","children":[{"_key":"c14f68d4bed9","_type":"span","marks":[],"text":"How much can I invest in a Stocks & Shares ISA?"}],"markDefs":[],"style":"h3"},{"_key":"678b6ee012d6","_type":"block","children":[{"_key":"76ce9a45b6f5","_type":"span","marks":[],"text":"Up to £20,000 per tax year across all your ISAs combined. 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It's probably not right for you if you need the money within the next year or two, have high-interest debt to pay off first, or would struggle to stomach seeing your portfolio fall in value."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Is a Stocks & Shares ISA right for me? "},{"_key":"1ea77cdca1811ccd8c2079afb04466ba","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"ffff514e2774","_type":"block","children":[{"_key":"45f7162265dc","_type":"span","marks":[],"text":"How risky is a Stocks & Shares ISA? "}],"markDefs":[],"style":"h3"},{"_key":"3485bfd8d250","_type":"block","children":[{"_key":"c193f6c36af8","_type":"span","marks":[],"text":"It depends on what you choose to invest in. 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A "},{"_key":"d2da7be7f3ec","_type":"span","marks":["bbf4adfe2e3e"],"text":"Stocks & Shares ISA"},{"_key":"6ad43428d8e9","_type":"span","marks":[],"text":" invests your money in the stock market, which means higher potential returns but also the possibility of losing money. "}],"markDefs":[{"_key":"298daf3775d7","_type":"internalLinkPick","blank":true,"reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"}},{"_key":"bbf4adfe2e3e","_type":"internalLinkPick","blank":true,"reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How is a Stocks & Shares ISA different from a Cash ISA?"},{"_key":"096d2b879670a03519945e5f2ce697b1","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"f7f88452a993","_type":"block","children":[{"_key":"4131fe7474b1","_type":"span","marks":[],"text":"Can I take my money out whenever I want?"}],"markDefs":[],"style":"h3"},{"_key":"0ca874e0f967","_type":"block","children":[{"_key":"1c527eff7158","_type":"span","marks":[],"text":"Yes — there's no lock-in. 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It's probably not right for you if you need the money within the next year or two, have high-interest debt to pay off first, or would struggle to stomach seeing your portfolio fall in value."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Is a Stocks & Shares ISA right for me? "},{"_key":"1ea77cdca1811ccd8c2079afb04466ba","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"ffff514e2774","_type":"block","children":[{"_key":"45f7162265dc","_type":"span","marks":[],"text":"How risky is a Stocks & Shares ISA? "}],"markDefs":[],"style":"h3"},{"_key":"3485bfd8d250","_type":"block","children":[{"_key":"c193f6c36af8","_type":"span","marks":[],"text":"It depends on what you choose to invest in. 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More on these later."}],"markDefs":[],"style":"normal"},{"_key":"90feae1f7eb6","_type":"block","children":[{"_key":"1915aec3fabb","_type":"span","marks":[],"text":""},{"__inline":true,"_key":"5ccd7b870fec","_type":"mainAnchor","children":[{"_key":"ut1xgBnP3A4eT38f4GGbAL","text":""}],"pageAnchor":{"_id":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"anchorCategory","_rev":"DmK61VtPyEhMsfOjcsZCmQ","_createdAt":"2022-02-14T09:08:36Z","_updatedAt":"2022-02-14T09:08:36Z","AnchorName":"funds/arefundsrightforme?","id":"-ef3fd67b-da5f-547e-b5cb-829992bc160c","children":[],"parent":null},"value":{"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"}}},{"_key":"3fc8bd064d62","_type":"span","marks":[],"text":"Are funds right for me?"}],"markDefs":[],"style":"h2"},{"_key":"f4e25a5df60e","_type":"block","children":[{"_key":"fa0bcaef29cd","_type":"span","marks":[],"text":"On average, investors hold 49% of their investments in funds, making them one of the most popular investment vehicles out there. But are funds really the right option for you? "}],"markDefs":[],"style":"normal"},{"_key":"fed979756bbe","_type":"block","children":[{"_key":"64b6ad599651","_type":"span","marks":[],"text":"If you prefer the freedom and flexibility of choosing which companies to invest in, shares may be a better choice. However, funds can also be highly diversified, which means your investments might be spread across different regions, sectors and assets. This reduces the risk of any one event, such as a political crisis in a single region, having a significant impact on your investments."}],"markDefs":[],"style":"normal"},{"_key":"e1ad6cc3a02a","_type":"block","children":[{"_key":"a8b55972e4dd","_type":"span","marks":[],"text":"So really it comes down to your personal preference. Here's a round-up of some of the main pros and cons to help you decide if investing in funds is the right choice for you."}],"markDefs":[],"style":"normal"},{"_key":"434d193075a7","_type":"block","children":[{"_key":"0e7fe5da01de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4bc700b962a5","_type":"prosConsWidget","cons":["Don't want to pay a fee","Want to pick your own shares","Want to trade regularly"],"consTitle":"Bad if you ","pros":["Want a broad mix of different shares","Want to invest abroad too","Aren't a whizz trader "],"prosTitle":"Good if you"},{"_key":"48067afe70fe","_type":"block","children":[{"_key":"0361b14633a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cec017f1a38c","_type":"block","children":[{"_key":"172137ada71e","_type":"span","marks":[],"text":""},{"_key":"de53e982c4a9","_type":"mainAnchor","pageAnchor":{"_id":"60941be5-1a4f-426e-b588-7699bee46271","_type":"anchorCategory","_rev":"3Wq67lOYe6sY0zlf1Hr5f2","_createdAt":"2023-05-22T15:36:21Z","_updatedAt":"2023-05-22T15:36:21Z","AnchorName":"whyinvestinafund","id":"-e9a67a08-aa87-5f0a-836d-61514c0ffaa1","children":[],"parent":null}},{"_key":"87cf346319c6","_type":"span","marks":[],"text":"Why invest in a fund?"}],"markDefs":[],"style":"h2"},{"_key":"93dc72ad81a4","_type":"block","children":[{"_key":"3338ff4b26c50","_type":"span","marks":[],"text":"A fund is simply the compilation album of the investing world! It’s a nice way to get someone at the sharp end of finance to pick and manage your investments from the bewildering array of bonds and shares on the market. Let’s give a really simple example. "}],"markDefs":[],"style":"normal"},{"_key":"a9403754dc28","_type":"block","children":[{"_key":"01c95b2b86ac","_type":"span","marks":[],"text":"If we ran the Boring Money UK Shares Fund (which we don’t), we might look at all the UK shares out there and say that HSBC, Shell, ITV and GlaxoSmithKline make the grade. And add them to our investment mix. But chuck out Barclays and Burberry and Sainsburys (all random examples by the way, not tips!). "}],"markDefs":[],"style":"normal"},{"_key":"7669a7ac791c","_type":"block","children":[{"_key":"d7e81010a760","_type":"span","marks":[],"text":"We’d end up with, say, 50 shares in our compilation album, which we bought for £1 each in our pretend world. So our fund would be worth £50. And we might sell 50 units to people for £1 each. "}],"markDefs":[],"style":"normal"},{"_key":"786bce77dbb8","_type":"block","children":[{"_key":"da65bc2f373e","_type":"span","marks":[],"text":"The benefit is that for a small investment of just £1, our investors would have a teeny fraction of an investment in 50 different British companies. And we would run and manage this pool of investments for you - so no need to get the calculator out and crunch any numbers!"}],"markDefs":[],"style":"normal"},{"_key":"985ff58d82e6","_type":"block","children":[{"_key":"2ad32b5454aa","_type":"span","marks":[],"text":"There are thousands of funds out there, all with different flavours, and they're among the best ways to get expert help on picking the right investments."}],"markDefs":[],"style":"normal"},{"_key":"362c2e7dfc09","_type":"block","children":[{"_key":"d766349dbf40","_type":"span","marks":[],"text":""},{"_key":"364cd3c1e445","_type":"mainAnchor","pageAnchor":{"_id":"a5632083-6993-47e2-9bc1-07d0a86ad84c","_type":"anchorCategory","_rev":"P1sInOyh7GOacwqEjXkr9I","_createdAt":"2024-11-12T14:54:29Z","_updatedAt":"2024-11-12T14:54:35Z","AnchorName":"fundstructures","id":"-4ae691ba-01ea-587c-aef0-52c62924204c","children":[],"parent":null}},{"_key":"0a68034d99f40","_type":"span","marks":[],"text":"The three main fund structures "}],"markDefs":[],"style":"h2"},{"_key":"4b7b2b21499a","_type":"block","children":[{"_key":"5d8b72478bbb","_type":"span","marks":[],"text":""},{"_key":"e02338579d1e","_type":"mainAnchor","pageAnchor":{"_id":"bcd041ed-8ed5-4fc7-8abd-21ee28def30c","_type":"anchorCategory","_rev":"P1sInOyh7GOacwqEjXc1ob","_createdAt":"2024-11-12T14:48:42Z","_updatedAt":"2024-11-12T14:48:44Z","AnchorName":"mutualfund","id":"-1e1c5e33-c27e-5fae-b6f2-969478ed60ec","children":[],"parent":null}},{"_key":"6c2a9ecc53f30","_type":"span","marks":[],"text":"1. Mutual fund – also known as an open-ended fund, OEIC or UCITS fund"}],"markDefs":[],"style":"h3"},{"_key":"3460d916f7b2","_type":"block","children":[{"_key":"0325a805ebd40","_type":"span","marks":[],"text":"A mutual fund combines money from multiple investors, which a professional manager invests according to the fund’s goals, such as growth or income, often focusing on specific sectors like European stocks or technology. Being “open-ended,” the fund can adjust its shares based on investor activity, with its value matching the combined value of its holdings. 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Legal & General Gold Mining UCITS ETF (AUCP) came out on top, followed by HAN AuAg ESG Gold Mining UCITS ETF (ESGP) and VanEck Junior Gold Miners UCITS ETF A (GJGB) ."}],"markDefs":[],"style":"normal"},{"_key":"f89a3c3cdec9","_type":"block","children":[{"_key":"e005fb719dd0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"89856e904c5a","_type":"block","children":[{"_key":"1f31aea077f6","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"1410b2d652e0","_type":"block","children":[{"_key":"1c3a2a81a06c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6dccf9395bea","_type":"block","children":[{"_key":"54aa556b7107","_type":"span","marks":[],"text":"[1] FE Fund Analytics, data correct as at 1 October 2025."}],"markDefs":[],"style":"normal"}],"title":"What are the top-performing ETFs so far this year?"},{"_key":"9f637707d055","_type":"tabsTextboxItem","fullSizeImage":{"_type":"mainImage","blankAltTag":false},"image":{"_type":"mainImage","alt":"Why ETFs are great for diversifying your portfolio","asset":{"_ref":"image-4ca19a8bf8b422866c99a90ae5b5cc2ca52a1b50-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"ETFs are great for diversifying your investment portfolio because they can give you access to a wide range of investments all in one wrapper.","textParagraph":[{"_key":"2f7675e847bf","_type":"block","children":[{"_key":"540f34f8002a","_type":"span","marks":[],"text":"Why are ETFs great for diversifying your portfolio?"}],"markDefs":[],"style":"h3"},{"_key":"96c42ad287f0","_type":"block","children":[{"_key":"e5de1d31fe91","_type":"span","marks":[],"text":"You can think of an ETF like a shopping basket. Rather than running around a supermarket holding all the individual things you want to buy in your arms, an ETF is like a basket already filled with a bunch of groceries, all in one easy-to-carry box. A single ETF can invest in a range of assets, from shares to bonds and even property, allowing you to get exposure to an array of different investments in just one product!"}],"markDefs":[],"style":"normal"}],"title":"Why are ETFs great for diversifying your portfolio?"},{"_key":"f0a40928724a","_type":"tabsTextboxItem","image":{"_type":"mainImage","alt":"Do ETFs pay dividends?","asset":{"_ref":"image-606e402dba256c06fb35c8778052e9eaf4c7f647-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"ETFs which invest in shares receive dividends when those shares pay out, but this is not always passed onto the investor.","textParagraph":[{"_key":"f0ce99e88bff","_type":"block","children":[{"_key":"86f3b642e7cb","_type":"span","marks":[],"text":"Do ETFs pay dividends?"}],"markDefs":[],"style":"h3"},{"_key":"6df472772608","_type":"block","children":[{"_key":"9cab9cde834e","_type":"span","marks":[],"text":"Generally speaking, there are two ways that ETFs utilise dividends: reinvestment and payment. Some ETFs reinvest the income they receive from dividend payments by using it to purchase new assets, often the same share that paid out the dividend in the first place, in a process known as \"dividend growth investing\". The value of the ETF grows as the number of shares it owns increases, and this in turn increases the value of the shares of the ETF itself. Alternatively, an ETF can collate the dividends paid out by its underlying shares and distribute them directly back to the investors.\n"}],"markDefs":[],"style":"normal"}],"title":"Do ETFs pay dividends?"},{"_key":"80217e01ec32","_type":"tabsTextboxItem","image":{"_type":"mainImage","alt":"How many ETFs should you invest in?","asset":{"_ref":"image-a8461b923e5871fb7e40f368500e9321ec5e4b59-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","tabParagraph":"There is no limit to the number of ETFs you can have in your portfolio, but working out the right amount for you really depends on your investment strategy.","textParagraph":[{"_key":"cbbbf3987249","_type":"block","children":[{"_key":"8daabbae17cf","_type":"span","marks":[],"text":"How many ETFs should you invest in?"}],"markDefs":[],"style":"h3"},{"_key":"08041120dfe2","_type":"block","children":[{"_key":"9e4030387cf6","_type":"span","marks":[],"text":"First of all, remember that each ETF you own will likely invest in at least 20-30 stocks, and sometimes more. 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In addition, the majority of ETFs are passive, whereas most mutual funds are actively-managed and therefore charge slightly higher fees."}],"markDefs":[],"style":"normal"}],"title":"What's the difference between an ETF and a mutual fund?"}]},{"_key":"b4b5464dd4d6","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"d9404f36ac4c","_type":"titleSection","alignment":"Text Center","introPara":[{"_key":"420fc5c541ef","_type":"block","children":[{"_key":"4cb319c7c9eb0","_type":"span","marks":[],"text":"‏‏‎ETF related articles"}],"markDefs":[],"style":"h2"},{"_key":"345b66d43fcb","_type":"block","children":[{"_key":"3d924c463a8e0","_type":"span","marks":[],"text":"Dive deeper into our handy articles - on everything from the best-selling ETFs of the month to the latest themes trending in the ETF sector!"}],"markDefs":[],"style":"normal"}],"styles":"Grey-Transparent","title":"‏‏‎ETF related articles"},{"CategoryMultiSelect":[{"_key":"975cd9737787","_ref":"a9695476-b643-4a18-be2a-e8dbf3420afd","_type":"reference"}],"_key":"04711d8f6150","_type":"latestArticlesBlock","articleCount":"9","contentType":"articles+info","styles":"Grey-Transparent"},{"_key":"b0d60aea40207127bc6f9208209a79d2","_type":"smallSpacerBlock","styles":"Grey-Transparent","title":"s"},{"_key":"625b46bcd55f","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"b97cfd651a35","_type":"block","children":[{"_key":"6109e8631393","_type":"span","marks":[],"text":"Your investing questions answered"}],"markDefs":[],"style":"h3"},{"_key":"07b484da9e11","_type":"block","children":[{"_key":"2ff5262ec663","_type":"span","marks":["strong"],"text":"You've been writing in to ask us how you can make your money work harder. 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The two most common assets are bonds and shares, but what actually are they?"}],"markDefs":[],"style":"normal"},{"_key":"112a4d6cbc9f","_type":"block","children":[{"_key":"c6616cbb00f7","_type":"span","marks":[],"text":"What is a bond?"}],"markDefs":[],"style":"h3"},{"_key":"55297b26fffd","_type":"block","children":[{"_key":"f9ec30e1d7d7","_type":"span","marks":[],"text":"Owning a bond is kind of getting an IOU from a government or a company – you buy their bond and you’re lending them money. The dicier the prospect of getting your cash back, the more ‘interest’ they will pay you to compensate for the risk. So an Ecuadorian mining company bond would pay a gazillion times more than the relatively staid UK government, for example. It’s a riskier loan so they’ll compensate you more for taking this extra risk. "}],"markDefs":[],"style":"normal"},{"_key":"ad246f1d9a03","_type":"block","children":[{"_key":"d33daf52853b","_type":"span","marks":[],"text":"Bonds are influenced by interest rates, so they’re behaving a bit weirdly at the moment. If you lend the UK government money for 10 years, they’ll pay you about 4% (at the time of writing). And inflation is hovering around the 10% mark. So you’ll see why bonds are paying attractive rates at the moment - the UK economy is currently grappling with the risk of high inflation!"}],"markDefs":[],"style":"normal"},{"_key":"66a2cb7a79bb","_type":"block","children":[{"_key":"f67dc90952da","_type":"span","marks":[],"text":"What is a share?"}],"markDefs":[],"style":"h3"},{"_key":"42ec8b2bfea7","_type":"block","children":[{"_key":"d7677c521ef0","_type":"span","marks":[],"text":"Shares are also known as ‘equities’ or ‘stocks’. If you own shares, you buy little pieces of the world’s biggest companies. And tie your fortunes to theirs. It's these shares that make up the majority of most funds. "}],"markDefs":[],"style":"normal"},{"_key":"87391d64e98f","_type":"block","children":[{"_key":"50f803a42246","_type":"span","marks":[],"text":"As a rule of thumb, most ‘equity’ focused funds will have about 40-60 shares in them, although some fund managers have fewer, sticking to their convictions more about which shares are duds and which ones are winners. "}],"markDefs":[],"style":"normal"},{"_key":"230865d11ff5","_type":"block","children":[{"_key":"81251b61e60c","_type":"span","marks":[],"text":"Shares are also one of the few investments where you can get a decent income. Companies often pay out a share of their profits as dividends. The key is to look for an ‘equity income’ fund. Pick the right one and you could get an income of around 3-4% a year!"}],"markDefs":[],"style":"normal"},{"_key":"06e377758cad","_type":"block","children":[{"_key":"d4019195a987","_type":"span","marks":[],"text":"The balance between bonds and shares"}],"markDefs":[],"style":"h3"},{"_key":"46cf69523ea8","_type":"block","children":[{"_key":"d519404d9cb6","_type":"span","marks":[],"text":"Many suggest diversifying, which means a sort-of Combo Meal of bonds "},{"_key":"a61d5d5863e0","_type":"span","marks":["em"],"text":"and "},{"_key":"2e722c7e508b","_type":"span","marks":[],"text":"shares. Over the long-term, bonds are usually seen as safer and less choppy than shares, but many believe they will make you less over the long-run too. On the other hand, the stock market can potentially make you profit over the longer-term, but can come with significant short-term risk."}],"markDefs":[],"style":"normal"},{"_key":"c973c0042a75","_type":"block","children":[{"_key":"c0025ecc2c48","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c1f67febb327","_type":"prosConsWidget","pros":["You're nearing retirement age","You're not keen on stock market risk"],"prosTitle":"BONDS are better for you if"},{"_key":"e27629a359a2","_type":"block","children":[{"_key":"e48f0db1ddad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a30ea1e3729e","_type":"prosConsWidget","pros":["You can tolerate the concept of stock market risk","You've got lots of time before you need to access your cash"],"prosTitle":"SHARES are better for you if"},{"_key":"03b6c39b6bf2","_type":"block","children":[{"_key":"1ee6f1df4158","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ed118f277297","_type":"block","children":[{"_key":"e3ed41cc210b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c4556aebdc3","_type":"block","children":[{"_key":"59b8e9cbba60","_type":"span","marks":[],"text":"As a general rule of thumb, if you’re a spring chicken and investing for ages in the future, you should probably look at "},{"_key":"0f04bd6e7f43","_type":"span","marks":["em"],"text":"mostly "},{"_key":"0a524dc1e267","_type":"span","marks":[],"text":"shares. If you’re getting on and likely to need your money soon, people typically prefer bonds because they’re less likely to crash as dramatically as shares, leaving you high and dry if you need to cash in your investments. "}],"markDefs":[],"style":"normal"},{"_key":"c44bbef6d561","_type":"block","children":[{"_key":"e1b0274abca3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f871776e39d7","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "},"text":[{"_key":"dc826f13da73","_type":"block","children":[{"_key":"92f0eb6df824","_type":"span","marks":["strong"],"text":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "}],"markDefs":[],"style":"normal"}]},{"_key":"f7d5fb36fe0f","_type":"block","children":[{"_key":"db6952c70b24","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19431081595a","_type":"block","children":[{"_key":"6e263f6e0c3f","_type":"span","marks":[],"text":""},{"_key":"394165043e4a","_type":"mainAnchor","pageAnchor":{"_id":"f0e25e55-88ef-4bd3-96fb-2ea766606d57","_type":"anchorCategory","_rev":"3Wq67lOYe6sY0zlf1Hqrvx","_createdAt":"2023-05-22T15:35:10Z","_updatedAt":"2023-05-22T15:35:10Z","AnchorName":"activevspassive","id":"-946d7890-0ada-5808-9ab1-5f4661ddb7f2","children":[],"parent":null}},{"_key":"d81d41f1e8ee1","_type":"span","marks":[],"text":"Active vs passive"}],"markDefs":[],"style":"h2"},{"_key":"97fd1b6cacb5","_type":"block","children":[{"_key":"b1149c8e019a","_type":"span","marks":[],"text":"Another couple of phrases you'll often see when investing in funds is 'active' and 'passive', but as the world of finance is renowned for being full of jargon, no one ever seems to explain what these are! Here's what they actually mean and why they matter when deciding on the right fund for you."}],"markDefs":[],"style":"normal"},{"_key":"4f4328ace20e","_type":"block","children":[{"_key":"267b07472f39","_type":"span","marks":[],"text":"What is an active fund?"}],"markDefs":[],"style":"h3"},{"_key":"965f3e1b9c85","_type":"block","children":[{"_key":"7e7c85ce1d910","_type":"span","marks":[],"text":"Most funds in the market are what we call ‘active’. An active fund manager, by definition, thinks he or she is smarter than the average investor. A clever clogs. They think they can spot a bargain. Spot the dog before others. Identify the region that is about to go belly-up. So they pick and choose. If you buy an active fund which invests in shares, you'll usually pay a fee to the fund manager of about 75p-95p for every £100 you entrust to them. "}],"markDefs":[],"style":"normal"},{"_key":"dd074314f1cf","_type":"block","children":[{"_key":"e2405d675768","_type":"span","marks":[],"text":"What is a passive fund?"}],"markDefs":[],"style":"h3"},{"_key":"b9d2cd328e0c","_type":"block","children":[{"_key":"9da255300335","_type":"span","marks":[],"text":"Passive funds, on the other hand, are devoid of ego and opinion. They're the well-behaved end of the fund market. No one makes a call on whether Share A is better than Share B. They simply follow what we call an index - or a list of shares or bonds in any given market. They buy them in proportion to their size and no judgement calls are made. If you buy a passive fund which invests in shares, you'll usually pay a fee to the fund manager of about 8-12p for every £100 you entrust to them. It’s a lot cheaper because it’s run by a computer, rather than an expensive human. "}],"markDefs":[],"style":"normal"},{"_key":"365e8264db90","_type":"block","children":[{"_key":"faa5a312feb3","_type":"span","marks":[],"text":"How to decide between active vs passive funds"}],"markDefs":[],"style":"h3"},{"_key":"b8221aa671cb","_type":"block","children":[{"_key":"4799dbdc92b40","_type":"span","marks":[],"text":"There are pros and cons to each approach. Passive funds will tend to be cheaper and have performed well over much of the past decade as a result of strong performance from the technology giants (which form a large share of most capitalisation-weighted indices). However, they can have certain biases – the MSCI World has a 70%+ weighting to the US[2],  for example. Equally, bond indices can have higher weights in companies that have issued the most bonds – i.e. the most indebted. This can increase risk."}],"markDefs":[],"style":"normal"},{"_key":"611ac6f8c648","_type":"block","children":[{"_key":"d022771f72c90","_type":"span","marks":[],"text":"With active funds, there tends to be extremes. Some fund managers will be very successful and deliver better returns than the wider market, while others will find their analysis doesn’t pay off. Investors need to be willing to take a risk on the manager’s skill."}],"markDefs":[],"style":"normal"},{"_key":"c39c65e3ba8a","_type":"block","children":[{"_key":"3c62d7c5ecdd","_type":"span","marks":[],"text":"The jury is out on which is best, but passive funds will inherently return the average of any market. Some active funds will go further and smash it – but others will underperform and charge you for the privilege! So it depends on your risk appetite, among other things. Happy to sit back and copy what the markets do? Passive is for you. Want to leave it to the experts to crunch the numbers and try to outperform? Then try active.\n"}],"markDefs":[],"style":"normal"},{"_key":"ad85bfad7fcf","_type":"block","children":[{"_key":"3d022ec4e243","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"769a3bdcb210","_type":"emailSignupWidget","brazeSubscriptionGroupId":"80bb057b-016f-4c60-8fed-bc2199e56dc7","brazeSubscriptionRef":null,"image":{"_type":"mainImage","alt":"Sign up here!"},"paragraphText":"Get the best-performing funds, market commentary and jargon free insight delivered straight to your inbox every month. Join our Fund Newsletter.\n","title":"Sign up here!"},{"_key":"9082b2e04f18","_type":"block","children":[{"_key":"eca87e721854","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ed19b6fc9ee","_type":"block","children":[{"_key":"0ee0c876052d","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"1fdae174a2eb","_type":"block","children":[{"_key":"4e62aed3fa81","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3aafc66da691","_type":"block","children":[{"_key":"7eacb7f07336","_type":"span","marks":[],"text":"[1] "},{"_key":"d5da36f05625","_type":"span","marks":["873e1e148fbf"],"text":"PwC, March 2024"}],"markDefs":[{"_key":"873e1e148fbf","_type":"internalLinkPick","blank":true,"reference":{"_id":"145cfde5-0dfc-42d5-920b-0b191331e84e","_type":"linkCategory","_rev":"57EMnMDl2Y1cYcN31otiyA","_createdAt":"2024-10-17T08:39:17Z","_updatedAt":"2024-10-17T08:39:23Z","url":"https://www.pwc.com/gx/en/industries/financial-services/publications/etfs-2028-shaping-the-future.html#:~:text=Global%20Exchange%20Traded%20Fund%20(%E2%80%9CETF,2023%20%2D%20according%20to%20PwC%20analysis.","id":"-cf9d1c5f-bb14-5094-b4d2-4a8947638992","children":[],"parent":null}}],"style":"normal"},{"_key":"303192e61fb6","_type":"block","children":[{"_key":"1928cb41e922","_type":"span","marks":[],"text":"[2] "},{"_key":"341d43b08b6b","_type":"span","marks":["a4f8efc4fe28"],"text":"MSCI, November 2024"}],"markDefs":[{"_key":"a4f8efc4fe28","_type":"internalLinkPick","blank":true,"reference":{"_id":"b300e7f8-9ee8-475d-85f0-bcccebda9deb","_type":"linkCategory","_rev":"lz9D5PWofIUHM5I9Qpq7El","_createdAt":"2023-06-08T11:31:28Z","_updatedAt":"2024-10-29T12:00:03Z","description":"MSCI World Index (USD) ","url":"https://www.msci.com/documents/10199/178e6643-6ae6-47b9-82be-e1fc565ededb","id":"-35c899d2-7191-5632-aa4c-2eb4a10b4f1c","children":[],"parent":null}}],"style":"normal"},{"_key":"49a0d84ddbed","_type":"block","children":[{"_key":"cae41be45c6b","_type":"span","marks":[],"text":"[3] "},{"_key":"653072da076b","_type":"span","marks":["d77d4f4a9a3d"],"text":"Trustnet, January 2023"}],"markDefs":[{"_key":"d77d4f4a9a3d","_type":"internalLinkPick","blank":true,"reference":{"_id":"39231df5-0e90-4b9c-abc7-f980c11317c9","_type":"linkCategory","_rev":"ZgCTHLQT5xa597d1MhSaEt","_createdAt":"2024-10-18T15:30:08Z","_updatedAt":"2024-10-18T15:30:14Z","description":"Trustnet","url":"https://www.trustnet.com/news/13353261/nine-charts-showing-where-you-should-have-invested-in-2022","id":"-c335c72d-9bc0-584f-97a3-55c5ed032cb7","children":[],"parent":null}}],"style":"normal"}],"categories":[{"_id":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"category","_rev":"YGZ0taAMl6Ce0nxRRrmRJu","_createdAt":"2025-05-08T10:55:42Z","_updatedAt":"2025-05-12T14:18:13Z","description":"All guide pages related to investing - e.g. funds, Investment Trusts, ETFs.","title":"Investing Guides","id":"-87985091-2601-5883-a2ba-c1ac80cb8f03","children":[],"parent":null},{"_id":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","_type":"category","_rev":"DmK61VtPyEhMsfOjcsZCmQ","_createdAt":"2021-04-27T09:39:55Z","_updatedAt":"2021-04-27T09:39:55Z","description":"Funds","title":"Funds","id":"-3a9092a6-9e6d-53ef-bb73-2ab64139b168","children":[],"parent":null},{"_id":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"category","_rev":"WL47ZrgxNpp8wbh75H7FrV","_createdAt":"2024-05-31T10:43:39Z","_updatedAt":"2024-05-31T11:56:50Z","title":"Guide","id":"-42823ea2-5742-58ea-be27-557d9d35eea7","children":[],"parent":null}],"excerpt":[{"_key":"0c5edb6fe2c3","_type":"block","children":[{"_key":"e3cfba5e3d06","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. A great way to avoid making a clanger by choosing one duff share. 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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":{"_id":"224d5d05-5125-4c55-9f64-54bd1984234b","_type":"anchorCategory","_rev":"AOHhUu2RBxOWOkq8fh1J3E","_createdAt":"2023-07-14T13:15:36Z","_updatedAt":"2023-07-14T13:15:36Z","AnchorName":"whatareshares","id":"-ef1d48f5-9c7d-5002-a80b-110fb23586db","children":[],"parent":null}},{"_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 below."}],"markDefs":[],"style":"normal"},{"_key":"e9683ef541ea","_type":"block","children":[{"_key":"a4dd9b2bd85a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"996bf6bc4056","_type":"mainVideo","url":"https://vimeo.com/781082178"},{"_key":"14b6f2a99aeb","_type":"block","children":[{"_key":"ab9ca93ca293","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"331e2da9213a","_type":"block","children":[{"_key":"4c988b950ac7","_type":"span","marks":[],"text":"\nInvesting, at the heart of it, is about putting your money into businesses you believe have the potential to grow. This is where shares come in. They let us own a small slice of a company, so if they do well, so do we. And if they flop, we lose money."}],"markDefs":[],"style":"normal"},{"_key":"a0e51805f65c","_type":"block","children":[{"_key":"1d694591f0bd0","_type":"span","marks":[],"text":"Also known as stocks, or equities, shares exist to enable companies to raise money to fund their activity and growth. Individuals or companies buy shares, and give that company some money in return for ownership of a small piece of that business."}],"markDefs":[],"style":"normal"},{"_key":"059b41aceadf","_type":"block","children":[{"_key":"e2ce0bb15dbb0","_type":"span","marks":[],"text":"The thought process behind buying a share is no more complicated than what you see on Dragon's Den. You're the dragon trying to work out if you should invest in the company or not. But buying a single share can actually be a risky way to access the stock market. Why? Well, you're putting all your eggs in one basket."}],"markDefs":[],"style":"normal"},{"_key":"406e204d28d3","_type":"block","children":[{"_key":"8fe730591b110","_type":"span","marks":[],"text":"We spoke to a lady who was horrified that she bought M&S shares and they went down. \"I mean, it was M&S! They're really busy!\" Just because it's a big brand which looks safe and solid, doesn't necessarily mean they're making decent profits that year or tracking to plan. "}],"markDefs":[],"style":"normal"},{"_key":"a8166423face","_type":"block","children":[{"_key":"fb63eec8d60f","_type":"span","marks":[],"text":""},{"_key":"47a7d68d0f5b","_type":"mainAnchor","pageAnchor":{"_id":"418e4e74-c858-4625-9d7a-8c06f7c6e4ad","_type":"anchorCategory","_rev":"DmK61VtPyEhMsfOjcsZCmQ","_createdAt":"2022-02-14T11:48:21Z","_updatedAt":"2022-02-14T11:48:21Z","AnchorName":"shares/aresharesrightforme?","id":"-b1a3facd-0d3e-5ce8-9d0f-f9a0426f9767","children":[],"parent":null}},{"_key":"758bdfebe7ed","_type":"span","marks":[],"text":"Are shares right for me?"}],"markDefs":[],"style":"h2"},{"_key":"0deb8561d20a","_type":"block","children":[{"_key":"c181c818cb3f","_type":"span","marks":[],"text":"15% of UK adults own shares [1], but they're not the right sort of investment for everyone - especially if you're low on time or looking for an easy way to put your money behind several companies. Here's an overview of some of the main pros and cons of shares."}],"markDefs":[],"style":"normal"},{"_key":"db9f89042c3f","_type":"prosConsWidget","cons":["Want a global mix of investments ","Are time poor ","Will only choose 2 or 3!"],"consTitle":"Bad if you ","pros":["Actively follow the markets","Want to be in charge","Have time to dedicate to this "],"prosTitle":"Good if you "},{"_key":"c3a7ffeffbb7","_type":"block","children":[{"_key":"271a51c12db2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5b2ffecea1c4","_type":"block","children":[{"_key":"05c92c04fca2","_type":"span","marks":[],"text":""},{"_key":"4bc185b25eec","_type":"mainAnchor","pageAnchor":{"_id":"126f92a2-61db-45bc-9444-4172007cc99b","_type":"anchorCategory","_rev":"9Iwq1IBZWCIlcexDDoWXnr","_createdAt":"2024-04-15T15:09:51Z","_updatedAt":"2024-04-15T15:09:51Z","AnchorName":"cashvsshares","id":"-113f1936-9ad6-56d0-b149-7bdcbad33613","children":[],"parent":null}},{"_key":"41d53cf47ed5","_type":"span","marks":[],"text":"Cash vs shares"}],"markDefs":[],"style":"h2"},{"_key":"bd1126eb98eb","_type":"block","children":[{"_key":"0612752e8969","_type":"span","marks":["strong"],"text":"If you had put £10,000 away in 2015, what would it be worth by the end of September 2025?"}],"markDefs":[]},{"_key":"a5368c85fe2c","_type":"block","children":[{"_key":"da32cdb4e3ce","_type":"span","marks":[],"text":"The graph below shows you a recent example of how cash has performed compared to stock market shares. For the purposes of this illustration, we've looked at the growth of a single £10,000 lump sum investment in cash and in two stock market indices: the "},{"_key":"c79b9014dcc5","_type":"span","marks":["4b175e3b60cd"],"text":"FTSE 100"},{"_key":"31e14e27f0b1","_type":"span","marks":[],"text":" and "},{"_key":"fa15bb1b35a8","_type":"span","marks":["ccbe1340ca9f"],"text":"MSCI World"},{"_key":"5e096fa1dd9d","_type":"span","marks":[],"text":" (you can read more about these below the image)."}],"markDefs":[{"_key":"4b175e3b60cd","_type":"glossaryPick","reference":{"_id":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"glossaryHover","_rev":"lTp2d2CYb7e7Sxre7E5WU3","_createdAt":"2025-04-30T13:42:54Z","_updatedAt":"2025-04-30T13:43:13Z","description":"Also called “Footsie”, the name for the share index made up of the largest 100 companies by market capitalisation (total value of all shares) listed on the London Stock Exchange.","title":"FTSE 100","id":"-a54941b3-75e6-5613-bd46-3ed80c5c54e9","children":[],"parent":null}},{"_key":"ccbe1340ca9f","_type":"glossaryPick","reference":{"_id":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"glossaryHover","_rev":"cgOXYc5fbaZoufJX9Z3fRz","_createdAt":"2025-05-01T14:42:09Z","_updatedAt":"2025-05-01T14:45:19Z","description":"A global index that tracks large and medium-sized companies from 23 developed countries around the world.","title":"MSCI World","id":"-3f82d13b-ff3c-5e83-961e-ef18e3f0a260","children":[],"parent":null}}],"style":"normal"},{"_key":"a8cf71d02792","_type":"block","children":[{"_key":"d84597919bbd","_type":"span","marks":[],"text":"It's clear to see that leaving your money in cash (pink) led to significantly less growth over the period between 2015-2025 than if you had invested in stock markets. And although the British FTSE 100 Index (blue) didn't perform quite as well as MSCI World (green), it still climbed to £2,182 - compared to gains of just £1,180 from cash over the same time period. Of course, these numbers look measly compared to MSCI World's impressive £3,348 gain."}],"markDefs":[],"style":"normal"},{"_key":"eacbefb8908a","_type":"block","children":[{"_key":"7186a99d615e","_type":"span","marks":[],"text":"NB: The dip you can see after Q4 2019 reflects the start of the COVID-19 pandemic and subsequent global lockdowns."}],"markDefs":[],"style":"normal"},{"_key":"b33adb272cf6","_type":"frameWidget","href":"https://www.canva.com/design/DAG7OFE42_c/V25AjrWXM8szDDn7pZL9bg/view?embed"},{"_key":"9898bcddeff8","_type":"block","children":[{"_key":"2f05e2427ec8","_type":"span","marks":["em"],"text":"Source: FE FundInfo. "}],"markDefs":[],"style":"small"},{"_key":"906d1a3db60a","_type":"block","children":[{"_key":"b29deef19a8e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d745e25d9983","_type":"block","children":[{"_key":"d611edb2ae67","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"adb9f4083d5c","_type":"block","children":[{"_key":"22374dbfb4fe","_type":"span","marks":[],"text":""},{"_key":"c07bbbc35194","_type":"mainAnchor","pageAnchor":{"_id":"223c3cb3-164a-4144-b7ec-60a049133752","_type":"anchorCategory","_rev":"kUfSQGlso2185X04I8v0wU","_createdAt":"2024-04-15T15:08:58Z","_updatedAt":"2024-04-15T15:08:58Z","AnchorName":"willsharesoutperformcash","id":"-66c6d3e7-b5f6-571c-98c3-cb4fe4441eb0","children":[],"parent":null}},{"_key":"91a17272db40","_type":"span","marks":[],"text":"Will shares outperform cash in the next 10 years?"}],"markDefs":[],"style":"h2"},{"_key":"15bd2c48638c","_type":"block","children":[{"_key":"d367b10febfa","_type":"span","marks":[],"text":"Just like the weather, it's impossible to predict what the future holds. All we can do is show what has happened in the past. Shares are a bumpier ride than cash – and not a short-term thing. Anyone who says they can guarantee you'll make money is probably lying. There are risks. But research tells us that shares have done better than cash 9 times out of 10 over any 10 year period since the stock markets began."}],"markDefs":[],"style":"normal"},{"_key":"e51d6e72bf95","_type":"block","children":[{"_key":"9b843e253e7f0","_type":"span","marks":[],"text":"You buy and sell them on the stock market and, just like eBay, people make bids and offers. But it all happens super fast. Prices bounce up and down and at the end of the day it all comes down to sentiment – if loads of people want a slice of the action and these things are flavour of the month (think Nintendo after Pokemon Go), then prices rise as the sellers get a bit cockier. 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 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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":{"_id":"b51797d9-dc13-41da-a375-b898f0a9e850","_type":"anchorCategory","_rev":"KoLyCpXIGU95m7jfEOLnAT","_createdAt":"2022-12-12T14:43:24Z","_updatedAt":"2022-12-28T09:02:11Z","AnchorName":"howcanibuyshares","id":"-1f8dd7ea-3019-58ea-b992-53cc301ab438","children":[],"parent":null}},{"_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. 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Independent analysis of beginner-friendly investment platforms across UK providers."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"16785608d00c","_type":"block","children":[{"_key":"0de247f54635","_type":"span","marks":[],"text":"Who won the Boring Money Best For Beginners Award 2026?"}],"markDefs":[],"style":"h3"},{"_key":"afb89f03ccbf","_type":"block","children":[{"_key":"b6bd31a332bf","_type":"span","marks":[],"text":"The winners are "},{"_key":"86ddff7bfffb","_type":"span","marks":["strong"],"text":"Bestinvest, Dodl, J.P. Morgan Personal Investing, Moneybox, Monzo, PensionBee, Quilter Invest, and Vanguard"},{"_key":"086d4fffa4a5","_type":"span","marks":[],"text":". These providers were selected through independent testing focused on guidance and user experience, examining 10 different scenarios across 5 portfolio sizes (£1,000 to £50,000), plus feedback from over 27,000 real customer reviews."}],"markDefs":[],"style":"normal"},{"_key":"ce35f84cb646","_type":"block","children":[{"_key":"8e3003650d84","_type":"span","marks":[],"text":"Find your perfect beginner platform"}],"markDefs":[],"style":"h3"},{"_key":"7a73de890eb6","_type":"block","children":[{"_key":"9bb1d114dc4f","_type":"span","marks":["strong"],"text":"Moneybox"},{"_key":"b6a91273560d","_type":"span","marks":[],"text":" for mobile simplicity? "},{"_key":"afddb14022d5","_type":"span","marks":["strong"],"text":"Bestinvest"},{"_key":"45e8f69a4276","_type":"span","marks":[],"text":" for human guidance? 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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":{"_id":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"information","_rev":"vIm9lhvf1eHBOprgleGFQF","_createdAt":"2021-06-22T10:49:30Z","_updatedAt":"2025-09-01T10:07:48Z","_system":{"base":{"id":"0bc8b13d-830e-4469-8ffe-6af27456b538","rev":"0iD6p61whJS2ZGE5T7VEFt"}},"authors":[{"_key":"9b488bad30a4","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"728ad57473cb","_type":"block","children":[{"_key":"150f7b31de0a","_type":"span","marks":[],"text":"By "},{"_key":"e55603603258","_type":"span","marks":["strong"],"text":"Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"e8df298b8c6b","_type":"anchorMenuMobile","title":"menu"},{"_key":"9473358fe106","_type":"block","children":[{"_key":"17cf1610cca6","_type":"span","marks":[],"text":""},{"_key":"91398572c6f0","_type":"mainAnchor","pageAnchor":{"_ref":"c092d7ca-1d59-4a6f-ae22-c1659dda889d","_type":"reference"}},{"_key":"6f92bc92429a","_type":"span","marks":[],"text":"What is a fund?"}],"markDefs":[],"style":"h2"},{"_key":"4f9ee0028862","_type":"block","children":[{"_key":"f102b7d00c72","_type":"span","marks":[],"text":"In a nutshell"}],"markDefs":[],"style":"h3"},{"_key":"e79c63c327eb","_type":"textboxWidget","text":[{"_key":"2121178f0ee6","_type":"block","children":[{"_key":"7d6a9f190010","_type":"span","marks":[],"text":"There are typically about 30-60 \"underlying investments\" in one fund"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d2a481641270","_type":"block","children":[{"_key":"22684174f3fa","_type":"span","marks":[],"text":"On average a single fund will cost about 0.75% in fees a year"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f3e088b52195","_type":"block","children":[{"_key":"d6ad20196bad","_type":"span","marks":[],"text":"Often a safer bet to invest than simply buying a few shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"216dcb5302ec","_type":"block","children":[{"_key":"9dd73649798a","_type":"span","marks":[],"text":"You can buy funds and put them in an ISA to keep your profits tax-free"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"97a80376b0f3","_type":"anchorMenuMobile","title":"s"},{"_key":"1653fdfc2af4","_type":"block","children":[{"_key":"2e2b2ab98724","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1b8d971c911d","_type":"block","children":[{"_key":"4507568d3a70","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. In other words, they're a great way to avoid making a clanger by choosing one duff share! Great for diversifying, investing overseas and for outsourcing the decision-making to a professional. "}],"markDefs":[],"style":"normal"},{"_key":"046672293a3e","_type":"block","children":[{"_key":"e15da747ad50","_type":"span","marks":[],"text":"Listen to our Founder & CEO Holly Mackay explain more about why funds are awesome in the helpful clip below."}],"markDefs":[],"style":"normal"},{"_key":"41b247f7f7f1","_type":"block","children":[{"_key":"1425f286ae8d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ee4659f373e2","_type":"mainVideo","url":"https://vimeo.com/829075140"},{"_key":"612f1e2f4f5c","_type":"block","children":[{"_key":"8b8077238e30","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8fde23f3fe04","_type":"block","children":[{"_key":"509c2688d6bd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3d8fbfc7b050","_type":"block","children":[{"_key":"32a1c0b03ecc","_type":"span","marks":[],"text":"A single fund will typically have about 30-60 different \"underlying investments\" in it. This spreads the risk around and hedges your bets, so rather than having to go and buy 30-60 individual shares all by yourself, you can just buy one fund and be done with it!"}],"markDefs":[],"style":"normal"},{"_key":"e8ce2e0fe91f","_type":"block","children":[{"_key":"942f0caaddf8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f9d2b7cefb40","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Most investors have between about 8 and 16 different Funds to get a good mix and spread their bets around!"},"text":[{"_key":"4e12795ee2ca","_type":"block","children":[{"_key":"40e2815c5d05","_type":"span","marks":["strong"],"text":"Top tip: Most investors have between about 8 and 16 different funds to get a good mix and spread their bets around!"}],"markDefs":[],"style":"normal"}]},{"_key":"faec06074b53","_type":"block","children":[{"_key":"3f1ea2ce7311","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"29e8456aa90b","_type":"block","children":[{"_key":"12710694212a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"16c468186b94","_type":"block","children":[{"_key":"8aa0e26dff77","_type":"span","marks":[],"text":"You can think of investing in funds like buying a mixed case of wine - you don't have to be a connoisseur and someone else picks the contents they think are good. Funds come in lots of different flavours - such as multi-asset funds or exchange-traded funds. More on these later."}],"markDefs":[],"style":"normal"},{"_key":"90feae1f7eb6","_type":"block","children":[{"_key":"1915aec3fabb","_type":"span","marks":[],"text":""},{"__inline":true,"_key":"5ccd7b870fec","_type":"mainAnchor","children":[{"_key":"ut1xgBnP3A4eT38f4GGbAL","text":""}],"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"},"value":{"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"}}},{"_key":"3fc8bd064d62","_type":"span","marks":[],"text":"Are funds right for me?"}],"markDefs":[],"style":"h2"},{"_key":"f4e25a5df60e","_type":"block","children":[{"_key":"fa0bcaef29cd","_type":"span","marks":[],"text":"On average, investors hold 49% of their investments in funds, making them one of the most popular investment vehicles out there. But are funds really the right option for you? "}],"markDefs":[],"style":"normal"},{"_key":"fed979756bbe","_type":"block","children":[{"_key":"64b6ad599651","_type":"span","marks":[],"text":"If you prefer the freedom and flexibility of choosing which companies to invest in, shares may be a better choice. However, funds can also be highly diversified, which means your investments might be spread across different regions, sectors and assets. This reduces the risk of any one event, such as a political crisis in a single region, having a significant impact on your investments."}],"markDefs":[],"style":"normal"},{"_key":"e1ad6cc3a02a","_type":"block","children":[{"_key":"a8b55972e4dd","_type":"span","marks":[],"text":"So really it comes down to your personal preference. Here's a round-up of some of the main pros and cons to help you decide if investing in funds is the right choice for you."}],"markDefs":[],"style":"normal"},{"_key":"434d193075a7","_type":"block","children":[{"_key":"0e7fe5da01de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4bc700b962a5","_type":"prosConsWidget","cons":["Don't want to pay a fee","Want to pick your own shares","Want to trade regularly"],"consTitle":"Bad if you ","pros":["Want a broad mix of different shares","Want to invest abroad too","Aren't a whizz trader "],"prosTitle":"Good if you"},{"_key":"48067afe70fe","_type":"block","children":[{"_key":"0361b14633a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cec017f1a38c","_type":"block","children":[{"_key":"172137ada71e","_type":"span","marks":[],"text":""},{"_key":"de53e982c4a9","_type":"mainAnchor","pageAnchor":{"_ref":"60941be5-1a4f-426e-b588-7699bee46271","_type":"reference"}},{"_key":"87cf346319c6","_type":"span","marks":[],"text":"Why invest in a fund?"}],"markDefs":[],"style":"h2"},{"_key":"93dc72ad81a4","_type":"block","children":[{"_key":"3338ff4b26c50","_type":"span","marks":[],"text":"A fund is simply the compilation album of the investing world! It’s a nice way to get someone at the sharp end of finance to pick and manage your investments from the bewildering array of bonds and shares on the market. Let’s give a really simple example. "}],"markDefs":[],"style":"normal"},{"_key":"a9403754dc28","_type":"block","children":[{"_key":"01c95b2b86ac","_type":"span","marks":[],"text":"If we ran the Boring Money UK Shares Fund (which we don’t), we might look at all the UK shares out there and say that HSBC, Shell, ITV and GlaxoSmithKline make the grade. And add them to our investment mix. But chuck out Barclays and Burberry and Sainsburys (all random examples by the way, not tips!). "}],"markDefs":[],"style":"normal"},{"_key":"7669a7ac791c","_type":"block","children":[{"_key":"d7e81010a760","_type":"span","marks":[],"text":"We’d end up with, say, 50 shares in our compilation album, which we bought for £1 each in our pretend world. So our fund would be worth £50. And we might sell 50 units to people for £1 each. "}],"markDefs":[],"style":"normal"},{"_key":"786bce77dbb8","_type":"block","children":[{"_key":"da65bc2f373e","_type":"span","marks":[],"text":"The benefit is that for a small investment of just £1, our investors would have a teeny fraction of an investment in 50 different British companies. And we would run and manage this pool of investments for you - so no need to get the calculator out and crunch any numbers!"}],"markDefs":[],"style":"normal"},{"_key":"985ff58d82e6","_type":"block","children":[{"_key":"2ad32b5454aa","_type":"span","marks":[],"text":"There are thousands of funds out there, all with different flavours, and they're among the best ways to get expert help on picking the right investments."}],"markDefs":[],"style":"normal"},{"_key":"362c2e7dfc09","_type":"block","children":[{"_key":"d766349dbf40","_type":"span","marks":[],"text":""},{"_key":"364cd3c1e445","_type":"mainAnchor","pageAnchor":{"_ref":"a5632083-6993-47e2-9bc1-07d0a86ad84c","_type":"reference"}},{"_key":"0a68034d99f40","_type":"span","marks":[],"text":"The three main fund structures "}],"markDefs":[],"style":"h2"},{"_key":"4b7b2b21499a","_type":"block","children":[{"_key":"5d8b72478bbb","_type":"span","marks":[],"text":""},{"_key":"e02338579d1e","_type":"mainAnchor","pageAnchor":{"_ref":"bcd041ed-8ed5-4fc7-8abd-21ee28def30c","_type":"reference"}},{"_key":"6c2a9ecc53f30","_type":"span","marks":[],"text":"1. Mutual fund – also known as an open-ended fund, OEIC or UCITS fund"}],"markDefs":[],"style":"h3"},{"_key":"3460d916f7b2","_type":"block","children":[{"_key":"0325a805ebd40","_type":"span","marks":[],"text":"A mutual fund combines money from multiple investors, which a professional manager invests according to the fund’s goals, such as growth or income, often focusing on specific sectors like European stocks or technology. Being “open-ended,” the fund can adjust its shares based on investor activity, with its value matching the combined value of its holdings. Investors can monitor performance daily through services like Morningstar, comparing it to similar funds or benchmarks like the FTSE All Share for UK funds."}],"markDefs":[],"style":"normal"},{"_key":"9f8832eee9c7","_type":"block","children":[{"_key":"b0249a4aa624","_type":"span","marks":[],"text":""},{"_key":"777c7f3bd35c","_type":"mainAnchor","pageAnchor":{"_ref":"b8467767-7e11-4c31-bea1-aa9f5262781c","_type":"reference"}},{"_key":"6722e89ace4a","_type":"span","marks":[],"text":"2. ETF – or exchange-traded fund"}],"markDefs":[],"style":"h3"},{"_key":"ac1f21c74e0a","_type":"block","children":[{"_key":"189a0849a0f50","_type":"span","marks":[],"text":"ETFs, or Exchange-Traded Funds, are investment funds that provide low-cost, diversified access to various markets, similar to mutual funds. Unlike mutual funds, ETFs trade on stock exchanges, with their prices fluctuating throughout the day based on supply and demand. ETFs often aim to track specific assets, like major stock indices (e.g., S&P 500), commodities, or even currencies. They can be structured using \"physical\" methods (owning a bit of each asset in the index) or \"synthetic\" methods (using derivatives to mimic asset performance). ETFs can also offer leveraged or inverse options to enhance potential gains or bet against an asset's price. They are generally affordable, easy to trade, and flexible for various investment strategies."}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"6add2d498f76","_type":"block","children":[{"_key":"14d23d4bf09a","_type":"span","marks":["strong"],"text":"Discover more about ETFs and how they work"}],"markDefs":[],"style":"normal"}],"_key":"090c0fe4bbd4","_type":"ctaWidget","reference":{"_ref":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"reference"},"text":"ETF HUB"},{"_key":"3734671b2a32","_type":"block","children":[{"_key":"ebc0f19e9b3d0","_type":"span","marks":[],"text":"3. Investment Trusts"}],"markDefs":[],"style":"h3"},{"_key":"47687a68ef20","_type":"block","children":[{"_key":"22745b29c849","_type":"span","marks":[],"text":"Investment trusts are publicly listed companies that pool investors' money to buy shares, bonds, or other assets like property. Managed by a board that oversees the fund manager, they operate as \"closed-ended\" funds, meaning they don’t need to buy or sell assets as investors come and go. This structure suits less liquid investments, and they can also save income from strong years to pay out in weaker ones, offering a steadier return. Investors can buy shares at market prices, sometimes below the actual asset value, and have many options for building a diverse portfolio. Read more on how mutual funds compare to ETFs and Investment Trusts "},{"_key":"3ac6a8b34f46","_type":"span","marks":["bd12d349ce04"],"text":"here"},{"_key":"f569af0635c5","_type":"span","marks":[],"text":". \n"}],"markDefs":[{"_key":"bd12d349ce04","_type":"internalLinkPick","reference":{"_ref":"508b9184-a3ee-4f2c-b9cd-5c61ac88dfaa","_type":"reference"}}],"style":"normal"},{"LeftSideText":[{"_key":"bcb044ecf5ab","_type":"block","children":[{"_key":"ba7542cf4442","_type":"span","marks":["strong"],"text":"Find out all you need to know about Investment Trusts in our hub"}],"markDefs":[],"style":"normal"}],"_key":"c677d8dce5ad","_type":"ctaWidget","reference":{"_ref":"c4a944ee-6d37-4a32-ad78-476434729026","_type":"reference"},"text":"READ MORE"},{"_key":"90c958e3a76f","_type":"block","children":[{"_key":"58ff5f53dc6e","_type":"span","marks":[],"text":""},{"_key":"d942deccb966","_type":"mainAnchor","pageAnchor":{"_ref":"614ab4cf-e295-402a-90a2-ddce00934029","_type":"reference"}},{"_key":"45fae644733a","_type":"span","marks":[],"text":"Bonds vs shares"}],"markDefs":[],"style":"h2"},{"_key":"e90ad037fc44","_type":"block","children":[{"_key":"69fbf9a8af22","_type":"span","marks":[],"text":"When it comes to investing with funds, you'll often see the \"portfolio\" - that is, what the fund is actually invested in - broken down into different assets. The two most common assets are bonds and shares, but what actually are they?"}],"markDefs":[],"style":"normal"},{"_key":"112a4d6cbc9f","_type":"block","children":[{"_key":"c6616cbb00f7","_type":"span","marks":[],"text":"What is a bond?"}],"markDefs":[],"style":"h3"},{"_key":"55297b26fffd","_type":"block","children":[{"_key":"f9ec30e1d7d7","_type":"span","marks":[],"text":"Owning a bond is kind of getting an IOU from a government or a company – you buy their bond and you’re lending them money. The dicier the prospect of getting your cash back, the more ‘interest’ they will pay you to compensate for the risk. So an Ecuadorian mining company bond would pay a gazillion times more than the relatively staid UK government, for example. It’s a riskier loan so they’ll compensate you more for taking this extra risk. "}],"markDefs":[],"style":"normal"},{"_key":"ad246f1d9a03","_type":"block","children":[{"_key":"d33daf52853b","_type":"span","marks":[],"text":"Bonds are influenced by interest rates, so they’re behaving a bit weirdly at the moment. If you lend the UK government money for 10 years, they’ll pay you about 4% (at the time of writing). And inflation is hovering around the 10% mark. So you’ll see why bonds are paying attractive rates at the moment - the UK economy is currently grappling with the risk of high inflation!"}],"markDefs":[],"style":"normal"},{"_key":"66a2cb7a79bb","_type":"block","children":[{"_key":"f67dc90952da","_type":"span","marks":[],"text":"What is a share?"}],"markDefs":[],"style":"h3"},{"_key":"42ec8b2bfea7","_type":"block","children":[{"_key":"d7677c521ef0","_type":"span","marks":[],"text":"Shares are also known as ‘equities’ or ‘stocks’. If you own shares, you buy little pieces of the world’s biggest companies. And tie your fortunes to theirs. It's these shares that make up the majority of most funds. "}],"markDefs":[],"style":"normal"},{"_key":"87391d64e98f","_type":"block","children":[{"_key":"50f803a42246","_type":"span","marks":[],"text":"As a rule of thumb, most ‘equity’ focused funds will have about 40-60 shares in them, although some fund managers have fewer, sticking to their convictions more about which shares are duds and which ones are winners. "}],"markDefs":[],"style":"normal"},{"_key":"230865d11ff5","_type":"block","children":[{"_key":"81251b61e60c","_type":"span","marks":[],"text":"Shares are also one of the few investments where you can get a decent income. Companies often pay out a share of their profits as dividends. The key is to look for an ‘equity income’ fund. Pick the right one and you could get an income of around 3-4% a year!"}],"markDefs":[],"style":"normal"},{"_key":"06e377758cad","_type":"block","children":[{"_key":"d4019195a987","_type":"span","marks":[],"text":"The balance between bonds and shares"}],"markDefs":[],"style":"h3"},{"_key":"46cf69523ea8","_type":"block","children":[{"_key":"d519404d9cb6","_type":"span","marks":[],"text":"Many suggest diversifying, which means a sort-of Combo Meal of bonds "},{"_key":"a61d5d5863e0","_type":"span","marks":["em"],"text":"and "},{"_key":"2e722c7e508b","_type":"span","marks":[],"text":"shares. Over the long-term, bonds are usually seen as safer and less choppy than shares, but many believe they will make you less over the long-run too. On the other hand, the stock market can potentially make you profit over the longer-term, but can come with significant short-term risk."}],"markDefs":[],"style":"normal"},{"_key":"c973c0042a75","_type":"block","children":[{"_key":"c0025ecc2c48","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c1f67febb327","_type":"prosConsWidget","pros":["You're nearing retirement age","You're not keen on stock market risk"],"prosTitle":"BONDS are better for you if"},{"_key":"e27629a359a2","_type":"block","children":[{"_key":"e48f0db1ddad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a30ea1e3729e","_type":"prosConsWidget","pros":["You can tolerate the concept of stock market risk","You've got lots of time before you need to access your cash"],"prosTitle":"SHARES are better for you if"},{"_key":"03b6c39b6bf2","_type":"block","children":[{"_key":"1ee6f1df4158","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ed118f277297","_type":"block","children":[{"_key":"e3ed41cc210b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c4556aebdc3","_type":"block","children":[{"_key":"59b8e9cbba60","_type":"span","marks":[],"text":"As a general rule of thumb, if you’re a spring chicken and investing for ages in the future, you should probably look at "},{"_key":"0f04bd6e7f43","_type":"span","marks":["em"],"text":"mostly "},{"_key":"0a524dc1e267","_type":"span","marks":[],"text":"shares. If you’re getting on and likely to need your money soon, people typically prefer bonds because they’re less likely to crash as dramatically as shares, leaving you high and dry if you need to cash in your investments. "}],"markDefs":[],"style":"normal"},{"_key":"c44bbef6d561","_type":"block","children":[{"_key":"e1b0274abca3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f871776e39d7","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "},"text":[{"_key":"dc826f13da73","_type":"block","children":[{"_key":"92f0eb6df824","_type":"span","marks":["strong"],"text":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "}],"markDefs":[],"style":"normal"}]},{"_key":"f7d5fb36fe0f","_type":"block","children":[{"_key":"db6952c70b24","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19431081595a","_type":"block","children":[{"_key":"6e263f6e0c3f","_type":"span","marks":[],"text":""},{"_key":"394165043e4a","_type":"mainAnchor","pageAnchor":{"_ref":"f0e25e55-88ef-4bd3-96fb-2ea766606d57","_type":"reference"}},{"_key":"d81d41f1e8ee1","_type":"span","marks":[],"text":"Active vs passive"}],"markDefs":[],"style":"h2"},{"_key":"97fd1b6cacb5","_type":"block","children":[{"_key":"b1149c8e019a","_type":"span","marks":[],"text":"Another couple of phrases you'll often see when investing in funds is 'active' and 'passive', but as the world of finance is renowned for being full of jargon, no one ever seems to explain what these are! Here's what they actually mean and why they matter when deciding on the right fund for you."}],"markDefs":[],"style":"normal"},{"_key":"4f4328ace20e","_type":"block","children":[{"_key":"267b07472f39","_type":"span","marks":[],"text":"What is an active fund?"}],"markDefs":[],"style":"h3"},{"_key":"965f3e1b9c85","_type":"block","children":[{"_key":"7e7c85ce1d910","_type":"span","marks":[],"text":"Most funds in the market are what we call ‘active’. An active fund manager, by definition, thinks he or she is smarter than the average investor. A clever clogs. They think they can spot a bargain. Spot the dog before others. Identify the region that is about to go belly-up. So they pick and choose. If you buy an active fund which invests in shares, you'll usually pay a fee to the fund manager of about 75p-95p for every £100 you entrust to them. "}],"markDefs":[],"style":"normal"},{"_key":"dd074314f1cf","_type":"block","children":[{"_key":"e2405d675768","_type":"span","marks":[],"text":"What is a passive fund?"}],"markDefs":[],"style":"h3"},{"_key":"b9d2cd328e0c","_type":"block","children":[{"_key":"9da255300335","_type":"span","marks":[],"text":"Passive funds, on the other hand, are devoid of ego and opinion. They're the well-behaved end of the fund market. No one makes a call on whether Share A is better than Share B. They simply follow what we call an index - or a list of shares or bonds in any given market. They buy them in proportion to their size and no judgement calls are made. If you buy a passive fund which invests in shares, you'll usually pay a fee to the fund manager of about 8-12p for every £100 you entrust to them. It’s a lot cheaper because it’s run by a computer, rather than an expensive human. "}],"markDefs":[],"style":"normal"},{"_key":"365e8264db90","_type":"block","children":[{"_key":"faa5a312feb3","_type":"span","marks":[],"text":"How to decide between active vs passive funds"}],"markDefs":[],"style":"h3"},{"_key":"b8221aa671cb","_type":"block","children":[{"_key":"4799dbdc92b40","_type":"span","marks":[],"text":"There are pros and cons to each approach. Passive funds will tend to be cheaper and have performed well over much of the past decade as a result of strong performance from the technology giants (which form a large share of most capitalisation-weighted indices). However, they can have certain biases – the MSCI World has a 70%+ weighting to the US[2],  for example. Equally, bond indices can have higher weights in companies that have issued the most bonds – i.e. the most indebted. This can increase risk."}],"markDefs":[],"style":"normal"},{"_key":"611ac6f8c648","_type":"block","children":[{"_key":"d022771f72c90","_type":"span","marks":[],"text":"With active funds, there tends to be extremes. Some fund managers will be very successful and deliver better returns than the wider market, while others will find their analysis doesn’t pay off. Investors need to be willing to take a risk on the manager’s skill."}],"markDefs":[],"style":"normal"},{"_key":"c39c65e3ba8a","_type":"block","children":[{"_key":"3c62d7c5ecdd","_type":"span","marks":[],"text":"The jury is out on which is best, but passive funds will inherently return the average of any market. Some active funds will go further and smash it – but others will underperform and charge you for the privilege! So it depends on your risk appetite, among other things. Happy to sit back and copy what the markets do? Passive is for you. Want to leave it to the experts to crunch the numbers and try to outperform? Then try active.\n"}],"markDefs":[],"style":"normal"},{"_key":"ad85bfad7fcf","_type":"block","children":[{"_key":"3d022ec4e243","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"769a3bdcb210","_type":"emailSignupWidget","brazeSubscriptionGroupId":"80bb057b-016f-4c60-8fed-bc2199e56dc7","brazeSubscriptionRef":{"_ref":"75cfa314-bcb6-4835-9c3d-28febc21b8d6","_type":"reference"},"image":{"_type":"mainImage","alt":"Sign up here!"},"paragraphText":"Get the best-performing funds, market commentary and jargon free insight delivered straight to your inbox every month. Join our Fund Newsletter.\n","title":"Sign up here!"},{"_key":"9082b2e04f18","_type":"block","children":[{"_key":"eca87e721854","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ed19b6fc9ee","_type":"block","children":[{"_key":"0ee0c876052d","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"1fdae174a2eb","_type":"block","children":[{"_key":"4e62aed3fa81","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3aafc66da691","_type":"block","children":[{"_key":"7eacb7f07336","_type":"span","marks":[],"text":"[1] "},{"_key":"d5da36f05625","_type":"span","marks":["873e1e148fbf"],"text":"PwC, March 2024"}],"markDefs":[{"_key":"873e1e148fbf","_type":"internalLinkPick","blank":true,"reference":{"_ref":"145cfde5-0dfc-42d5-920b-0b191331e84e","_type":"reference"}}],"style":"normal"},{"_key":"303192e61fb6","_type":"block","children":[{"_key":"1928cb41e922","_type":"span","marks":[],"text":"[2] "},{"_key":"341d43b08b6b","_type":"span","marks":["a4f8efc4fe28"],"text":"MSCI, November 2024"}],"markDefs":[{"_key":"a4f8efc4fe28","_type":"internalLinkPick","blank":true,"reference":{"_ref":"b300e7f8-9ee8-475d-85f0-bcccebda9deb","_type":"reference"}}],"style":"normal"},{"_key":"49a0d84ddbed","_type":"block","children":[{"_key":"cae41be45c6b","_type":"span","marks":[],"text":"[3] "},{"_key":"653072da076b","_type":"span","marks":["d77d4f4a9a3d"],"text":"Trustnet, January 2023"}],"markDefs":[{"_key":"d77d4f4a9a3d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"39231df5-0e90-4b9c-abc7-f980c11317c9","_type":"reference"}}],"style":"normal"}],"categories":[{"_key":"1a989c0fd8ee","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"},{"_key":"761051b73014","_ref":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","_type":"reference"},{"_key":"89ab44c91dc9","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"}],"excerpt":[{"_key":"0c5edb6fe2c3","_type":"block","children":[{"_key":"e3cfba5e3d06","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. 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Great for investing overseas and for outsourcing the decision-making to a professional."}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":true,"linkMenu":[{"_key":"8b72c2502fe7","_ref":"e7ee7375-de0b-4584-ab7c-316ed8adfc92","_type":"reference"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-38ee5a76884f602245c15a08ea6cd1cc47fe4200-3840x2160-png","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"607e940b-a7e0-4ec1-a5fa-7ee603b14620","_type":"reference"},"publishedAt":"2025-01-02T15:32:00.000Z","slug":{"_type":"slug","current":"funds"},"subfolder":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"template":"C-SB","theme":"Boring Money theme","title":"Funds Explained: The Ultimate No-Nonsense Guide for Beginners","widgets":[{"_key":"a1d6c66ee3f9","_ref":"79cbfce0-99a3-451e-82d4-c0b6a4487777","_type":"reference"},{"_key":"b7ac1bdd3211","_ref":"2d98a13f-5211-453c-be9e-9785894654db","_type":"reference"},{"_key":"29af377eda10","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-f6d3c7d4-0bf0-58b1-9af8-32ef06151a6c","children":[],"parent":null}}],"style":"normal"},{"_key":"338dc4e1da41","_type":"block","children":[{"_key":"a6c6dd0980fc0","_type":"span","marks":[],"text":"A single fund will usually house around 30-60 shares. Whilst someone else may have invested £1,000 into an individual share, a very small percentage of your £1,000 may be invested in the same company. If that business then takes a hit, you won't be so badly affected - the majority of your money is invested elsewhere. Basically, you are spreading your bets for security."}],"markDefs":[],"style":"normal"},{"_key":"ed31383984b8","_type":"block","children":[{"_key":"db372dca686d0","_type":"span","marks":[],"text":"When investing through a fund, you are unlikely to have to pay trading or transaction fees. You will, however, encounter management fees throughout the duration of your investment. 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In exchange, the issuer promises to pay the bondholder (that’s you) a fixed interest payment at regular intervals until the loan matures (when you will get back a known amount which is the ‘face value’)."}],"markDefs":[],"style":"normal"},{"_key":"62229e83718a","_type":"block","children":[{"_key":"208519fd7a7a","_type":"span","marks":[],"text":"Therefore, you can think of a bond like an IOU – you lend the issuer money, and they pay you ‘interest’ on a regular basis until a pre-agreed date when they pay you a specified sum of money."}],"markDefs":[],"style":"normal"},{"_key":"96ac0f65ce2a","_type":"block","children":[{"_key":"53400c3f58bc","_type":"span","marks":[],"text":""},{"_key":"37864ea28904","_type":"mainAnchor","pageAnchor":{"_id":"dfe27455-bfae-4948-b858-040213000740","_type":"anchorCategory","_rev":"6omhR3S1TuFgHttivLDsec","_createdAt":"2024-03-05T13:06:28Z","_updatedAt":"2024-03-05T13:06:28Z","AnchorName":"whatarebonds","id":"-ca4d04bb-7e21-5245-bec6-e275a37c3faa","children":[],"parent":null}},{"_key":"ed552990e93d0","_type":"span","marks":[],"text":"What are bonds?"}],"markDefs":[],"style":"h2"},{"_key":"46e4551e07ca","_type":"block","children":[{"_key":"8e9517773203","_type":"span","marks":[],"text":"Think of bonds like an investment which pays a regular ‘interest rate’ for as long as you hold it, as well as giving you the chance to make a profit on the money you invest. Unlike stocks, which can fluctuate in value rapidly, bonds will typically offer a relatively ‘predictable’ income stream, making them a good option for more risk-averse investors seeking stability."}],"markDefs":[],"style":"normal"},{"_key":"84de67b46e34","_type":"block","children":[{"_key":"3a75273af740","_type":"span","marks":[],"text":"The volatility of a bond price depends on who you are loaning the money to. If it’s the UK government, it’s typically a sedate and predictable journey. If it’s a mining company in Latin America, you should prepare for a much more volatile journey."}],"markDefs":[],"style":"normal"},{"_key":"41c6b2f45440","_type":"block","children":[{"_key":"b05c24e742b6","_type":"span","marks":[],"text":"This is why government bonds typically make up a large proportion of pension funds, particularly for those who are closer to retirement age and thus need their pension to be invested in lower-risk products."}],"markDefs":[],"style":"normal"},{"_key":"d6614f8bba0b","_type":"block","children":[{"_key":"872c6cbfe99d","_type":"span","marks":[],"text":""},{"_key":"003b1400dbd3","_type":"mainAnchor","pageAnchor":{"_id":"7143fd03-16f0-4229-a431-82283be9b288","_type":"anchorCategory","_rev":"gIy2Qh2T9Bswtze98kZQ5O","_createdAt":"2024-03-05T13:06:40Z","_updatedAt":"2024-03-05T13:06:40Z","AnchorName":"howdobondswork","id":"-cebcdd7b-ecf7-51f1-aa9e-4180b71c8cb7","children":[],"parent":null}},{"_key":"f1224b170f560","_type":"span","marks":[],"text":"How do bonds work?"}],"markDefs":[],"style":"h2"},{"_key":"2f3e330d3372","_type":"block","children":[{"_key":"96bcdb4d8383","_type":"span","marks":[],"text":""},{"_key":"acb2391f7114","_type":"mainAnchor","pageAnchor":{"_id":"ae0ce2cd-ee6c-4b2d-9caf-6ecaa338dfb6","_type":"anchorCategory","_rev":"WSQPA2hj6yjKpNEqwaAPWT","_createdAt":"2024-03-05T13:06:53Z","_updatedAt":"2024-03-05T13:06:53Z","AnchorName":"whoissuesabond","id":"-e96db86a-600e-5a94-8b71-24a02bae7051","children":[],"parent":null}},{"_key":"40091b6993f40","_type":"span","marks":[],"text":"Who issues a bond?"}],"markDefs":[],"style":"h3"},{"_key":"565d809b383b","_type":"block","children":[{"_key":"db75d5da7276","_type":"span","marks":[],"text":"When a government or a business decides it needs to raise money, one of the avenues it might take is to issue a bond. The bond specifies the “maturity” date (when the loan is repaid), the “coupon” (interest rate) paid periodically, and the “denomination” (face value) of the bond."}],"markDefs":[],"style":"normal"},{"_key":"38457353d605","_type":"block","children":[{"_key":"5c46a1e31e90","_type":"span","marks":[],"text":""},{"_key":"5b0c3697fae8","_type":"mainAnchor","pageAnchor":{"_id":"a7cac4b7-a55c-4d8c-b076-8219b497fffe","_type":"anchorCategory","_rev":"WSQPA2hj6yjKpNEqwaAPka","_createdAt":"2024-03-05T13:07:07Z","_updatedAt":"2024-03-05T13:07:07Z","AnchorName":"howdobondspayinterest","id":"-73999f0d-d71e-59dd-981b-33ca97627566","children":[],"parent":null}},{"_key":"f002b0d984350","_type":"span","marks":[],"text":"How do bonds pay interest?"}],"markDefs":[],"style":"h3"},{"_key":"7d966bfb9662","_type":"block","children":[{"_key":"37dae7ca5e6c","_type":"span","marks":[],"text":"The exact monetary value of the coupon you receive from a bond is called the “yield” and typically correlates to how risky the loan is determined to be."}],"markDefs":[],"style":"normal"},{"_key":"91d66d962184","_type":"block","children":[{"_key":"1df18ea7fc91","_type":"span","marks":[],"text":"Let’s imagine someone wanted to borrow a grand from you. How much would you want in return for making that loan? It depends how reliable or trustworthy they are. How risky it is, as well as how long they want to borrow it for. In other words, how “creditworthy” they seem to you."}],"markDefs":[],"style":"normal"},{"_key":"5388a9ac1b0e","_type":"block","children":[{"_key":"cf5870d6f45b","_type":"span","marks":[],"text":"The same principles apply in the world of bonds. If we lend money to the UK government, for example, you might have more faith that they will keep up with their interest payments and repay you in full than if you lent money to a copper producer in the Democratic Republic of Congo. So a UK government bond would typically pay lower interest than the “riskier” copper producer one, for example."}],"markDefs":[],"style":"normal"},{"_key":"71d4560d2d56","_type":"block","children":[{"_key":"457db07707e3","_type":"span","marks":[],"text":"This is why government bonds (often called “gilts” if they're issued by the UK government or \"Treasuries\" if they're issued by the US government) usually pay less (or have a lower yield) than various corporate bonds – in return for giving you a less hernia-inducing path."}],"markDefs":[],"style":"normal"},{"_key":"f619482b3fbf","_type":"block","children":[{"_key":"4a4abac90009","_type":"span","marks":[],"text":"Bond yields move inversely to bond prices. That is, the lower the yield (or ‘interest’ paid) , the higher the price of the bond is. Let’s walk through an actual example to explain how this all works."}],"markDefs":[],"style":"normal"},{"_key":"20b16b0c1152","_type":"block","children":[{"_key":"9f79cc0082e3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a28d95e21455","_type":"textboxWidget","text":[{"_key":"8599fdf492a4","_type":"block","children":[{"_key":"4da4917d5205","_type":"span","marks":[],"text":"Let's assume a bond issued by the UK government (so, a ‘gilt’). Let's also assume it would cost 97.26p to buy. The bond is called Treasury 0.125% 30/01/2026. This means it pays investors an ‘interest rate’, or ‘coupon’, of 0.125%. "}],"markDefs":[],"style":"normal"},{"_key":"f54c13e08686","_type":"block","children":[{"_key":"a9bc4738b626","_type":"span","marks":[],"text":"However, people will mostly buy this for the increase in value, rather than the interest paid."}],"markDefs":[],"style":"normal"},{"_key":"63059e105655","_type":"block","children":[{"_key":"31a5a3e313f7","_type":"span","marks":[],"text":"We know that it will mature on the 30th January in 2026. For its ‘face value’ of 100p. Or £1. So we know for certain that we can spend 97.26p today and get back £1 at the end of January 2026. "}],"markDefs":[],"style":"normal"},{"_key":"952bca830e4b","_type":"block","children":[{"_key":"66fc8064d680","_type":"span","marks":[],"text":"In other words, you will make 2.74p for every 97.26p you invest, over the period in question. And because this gain is a capital gain and not interest, and because it is held in a government bond, that gain is tax-free. "}],"markDefs":[],"style":"normal"},{"_key":"5f3464315ceb","_type":"block","children":[{"_key":"eeab95d5b301","_type":"span","marks":[],"text":"This largely explains the growth in popularity of these bonds – as the tax take in the UK increases, and tax paid on interest goes up, they are a great way for higher rate taxpayers to get a relatively secure return, which is tax-free. "}],"markDefs":[],"style":"normal"},{"_key":"143bb8ec0e80","_type":"block","children":[{"_key":"0eeece876375","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Example:"},{"_key":"52ccd9cc7373","_type":"block","children":[{"_key":"00eb7eca2b96","_type":"span","marks":[],"text":""},{"_key":"72ac8f8e1ca2","_type":"mainAnchor","pageAnchor":{"_id":"16faf849-274d-403a-b511-cf225e816d79","_type":"anchorCategory","_rev":"6omhR3S1TuFgHttivLDuE4","_createdAt":"2024-03-05T13:07:18Z","_updatedAt":"2024-03-05T13:07:18Z","AnchorName":"howarebondstraded","id":"-3837e9f4-60ac-5416-9100-cf06adb2aad3","children":[],"parent":null}},{"_key":"187af134969b0","_type":"span","marks":[],"text":"How are bonds traded?"}],"markDefs":[],"style":"h3"},{"_key":"cfe82fd2d556","_type":"block","children":[{"_key":"83e5c781999e","_type":"span","marks":[],"text":"Initially, bonds will be offered to institutional investors (like banks or pension funds). When this process is complete, bonds can also be traded on the “secondary market”, where investors trade between themselves on the stock market like you can with ordinary shares. There will be a quoted price that will change throughout the day."}],"markDefs":[],"style":"normal"},{"_key":"c5da9e7fce93","_type":"block","children":[{"_key":"005c4140c0cb","_type":"span","marks":[],"text":"Investors can invest in bonds either directly or via other products which have bonds "},{"_key":"c8eefb4086c3","_type":"span","marks":["em"],"text":"in"},{"_key":"e938ff652d90","_type":"span","marks":[],"text":" them - such as multi-asset "},{"_key":"7e44d8d4eba1","_type":"span","marks":["fc7a25720353"],"text":"funds"},{"_key":"4c7c11c26b2d","_type":"span","marks":[],"text":", "},{"_key":"1bd18a481129","_type":"span","marks":["a00ce8f500dc"],"text":"ETFs"},{"_key":"46bcdb172323","_type":"span","marks":[],"text":" or"},{"_key":"922e97485ae8","_type":"span","marks":["aeb36fcf4623"],"text":" investment trusts"},{"_key":"0369c7eaf692","_type":"span","marks":[],"text":".  Bonds can play an important role in creating a diversified investment portfolio, which essentially means you invest in lots of different things in different proportion (not putting all your eggs in one basket is another way of looking at it!)."}],"markDefs":[{"_key":"fc7a25720353","_type":"internalLinkPick","reference":{"_id":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"information","_rev":"vIm9lhvf1eHBOprgleGFQF","_createdAt":"2021-06-22T10:49:30Z","_updatedAt":"2025-09-01T10:07:48Z","_system":{"base":{"id":"0bc8b13d-830e-4469-8ffe-6af27456b538","rev":"0iD6p61whJS2ZGE5T7VEFt"}},"authors":[{"_key":"9b488bad30a4","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"728ad57473cb","_type":"block","children":[{"_key":"150f7b31de0a","_type":"span","marks":[],"text":"By "},{"_key":"e55603603258","_type":"span","marks":["strong"],"text":"Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"e8df298b8c6b","_type":"anchorMenuMobile","title":"menu"},{"_key":"9473358fe106","_type":"block","children":[{"_key":"17cf1610cca6","_type":"span","marks":[],"text":""},{"_key":"91398572c6f0","_type":"mainAnchor","pageAnchor":{"_ref":"c092d7ca-1d59-4a6f-ae22-c1659dda889d","_type":"reference"}},{"_key":"6f92bc92429a","_type":"span","marks":[],"text":"What is a fund?"}],"markDefs":[],"style":"h2"},{"_key":"4f9ee0028862","_type":"block","children":[{"_key":"f102b7d00c72","_type":"span","marks":[],"text":"In a nutshell"}],"markDefs":[],"style":"h3"},{"_key":"e79c63c327eb","_type":"textboxWidget","text":[{"_key":"2121178f0ee6","_type":"block","children":[{"_key":"7d6a9f190010","_type":"span","marks":[],"text":"There are typically about 30-60 \"underlying investments\" in one fund"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d2a481641270","_type":"block","children":[{"_key":"22684174f3fa","_type":"span","marks":[],"text":"On average a single fund will cost about 0.75% in fees a year"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f3e088b52195","_type":"block","children":[{"_key":"d6ad20196bad","_type":"span","marks":[],"text":"Often a safer bet to invest than simply buying a few shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"216dcb5302ec","_type":"block","children":[{"_key":"9dd73649798a","_type":"span","marks":[],"text":"You can buy funds and put them in an ISA to keep your profits tax-free"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"97a80376b0f3","_type":"anchorMenuMobile","title":"s"},{"_key":"1653fdfc2af4","_type":"block","children":[{"_key":"2e2b2ab98724","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1b8d971c911d","_type":"block","children":[{"_key":"4507568d3a70","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. In other words, they're a great way to avoid making a clanger by choosing one duff share! Great for diversifying, investing overseas and for outsourcing the decision-making to a professional. "}],"markDefs":[],"style":"normal"},{"_key":"046672293a3e","_type":"block","children":[{"_key":"e15da747ad50","_type":"span","marks":[],"text":"Listen to our Founder & CEO Holly Mackay explain more about why funds are awesome in the helpful clip below."}],"markDefs":[],"style":"normal"},{"_key":"41b247f7f7f1","_type":"block","children":[{"_key":"1425f286ae8d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ee4659f373e2","_type":"mainVideo","url":"https://vimeo.com/829075140"},{"_key":"612f1e2f4f5c","_type":"block","children":[{"_key":"8b8077238e30","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8fde23f3fe04","_type":"block","children":[{"_key":"509c2688d6bd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3d8fbfc7b050","_type":"block","children":[{"_key":"32a1c0b03ecc","_type":"span","marks":[],"text":"A single fund will typically have about 30-60 different \"underlying investments\" in it. This spreads the risk around and hedges your bets, so rather than having to go and buy 30-60 individual shares all by yourself, you can just buy one fund and be done with it!"}],"markDefs":[],"style":"normal"},{"_key":"e8ce2e0fe91f","_type":"block","children":[{"_key":"942f0caaddf8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f9d2b7cefb40","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Most investors have between about 8 and 16 different Funds to get a good mix and spread their bets around!"},"text":[{"_key":"4e12795ee2ca","_type":"block","children":[{"_key":"40e2815c5d05","_type":"span","marks":["strong"],"text":"Top tip: Most investors have between about 8 and 16 different funds to get a good mix and spread their bets around!"}],"markDefs":[],"style":"normal"}]},{"_key":"faec06074b53","_type":"block","children":[{"_key":"3f1ea2ce7311","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"29e8456aa90b","_type":"block","children":[{"_key":"12710694212a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"16c468186b94","_type":"block","children":[{"_key":"8aa0e26dff77","_type":"span","marks":[],"text":"You can think of investing in funds like buying a mixed case of wine - you don't have to be a connoisseur and someone else picks the contents they think are good. Funds come in lots of different flavours - such as multi-asset funds or exchange-traded funds. More on these later."}],"markDefs":[],"style":"normal"},{"_key":"90feae1f7eb6","_type":"block","children":[{"_key":"1915aec3fabb","_type":"span","marks":[],"text":""},{"__inline":true,"_key":"5ccd7b870fec","_type":"mainAnchor","children":[{"_key":"ut1xgBnP3A4eT38f4GGbAL","text":""}],"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"},"value":{"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"}}},{"_key":"3fc8bd064d62","_type":"span","marks":[],"text":"Are funds right for me?"}],"markDefs":[],"style":"h2"},{"_key":"f4e25a5df60e","_type":"block","children":[{"_key":"fa0bcaef29cd","_type":"span","marks":[],"text":"On average, investors hold 49% of their investments in funds, making them one of the most popular investment vehicles out there. But are funds really the right option for you? "}],"markDefs":[],"style":"normal"},{"_key":"fed979756bbe","_type":"block","children":[{"_key":"64b6ad599651","_type":"span","marks":[],"text":"If you prefer the freedom and flexibility of choosing which companies to invest in, shares may be a better choice. However, funds can also be highly diversified, which means your investments might be spread across different regions, sectors and assets. This reduces the risk of any one event, such as a political crisis in a single region, having a significant impact on your investments."}],"markDefs":[],"style":"normal"},{"_key":"e1ad6cc3a02a","_type":"block","children":[{"_key":"a8b55972e4dd","_type":"span","marks":[],"text":"So really it comes down to your personal preference. Here's a round-up of some of the main pros and cons to help you decide if investing in funds is the right choice for you."}],"markDefs":[],"style":"normal"},{"_key":"434d193075a7","_type":"block","children":[{"_key":"0e7fe5da01de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4bc700b962a5","_type":"prosConsWidget","cons":["Don't want to pay a fee","Want to pick your own shares","Want to trade regularly"],"consTitle":"Bad if you ","pros":["Want a broad mix of different shares","Want to invest abroad too","Aren't a whizz trader "],"prosTitle":"Good if you"},{"_key":"48067afe70fe","_type":"block","children":[{"_key":"0361b14633a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cec017f1a38c","_type":"block","children":[{"_key":"172137ada71e","_type":"span","marks":[],"text":""},{"_key":"de53e982c4a9","_type":"mainAnchor","pageAnchor":{"_ref":"60941be5-1a4f-426e-b588-7699bee46271","_type":"reference"}},{"_key":"87cf346319c6","_type":"span","marks":[],"text":"Why invest in a fund?"}],"markDefs":[],"style":"h2"},{"_key":"93dc72ad81a4","_type":"block","children":[{"_key":"3338ff4b26c50","_type":"span","marks":[],"text":"A fund is simply the compilation album of the investing world! It’s a nice way to get someone at the sharp end of finance to pick and manage your investments from the bewildering array of bonds and shares on the market. Let’s give a really simple example. "}],"markDefs":[],"style":"normal"},{"_key":"a9403754dc28","_type":"block","children":[{"_key":"01c95b2b86ac","_type":"span","marks":[],"text":"If we ran the Boring Money UK Shares Fund (which we don’t), we might look at all the UK shares out there and say that HSBC, Shell, ITV and GlaxoSmithKline make the grade. And add them to our investment mix. But chuck out Barclays and Burberry and Sainsburys (all random examples by the way, not tips!). "}],"markDefs":[],"style":"normal"},{"_key":"7669a7ac791c","_type":"block","children":[{"_key":"d7e81010a760","_type":"span","marks":[],"text":"We’d end up with, say, 50 shares in our compilation album, which we bought for £1 each in our pretend world. So our fund would be worth £50. And we might sell 50 units to people for £1 each. "}],"markDefs":[],"style":"normal"},{"_key":"786bce77dbb8","_type":"block","children":[{"_key":"da65bc2f373e","_type":"span","marks":[],"text":"The benefit is that for a small investment of just £1, our investors would have a teeny fraction of an investment in 50 different British companies. And we would run and manage this pool of investments for you - so no need to get the calculator out and crunch any numbers!"}],"markDefs":[],"style":"normal"},{"_key":"985ff58d82e6","_type":"block","children":[{"_key":"2ad32b5454aa","_type":"span","marks":[],"text":"There are thousands of funds out there, all with different flavours, and they're among the best ways to get expert help on picking the right investments."}],"markDefs":[],"style":"normal"},{"_key":"362c2e7dfc09","_type":"block","children":[{"_key":"d766349dbf40","_type":"span","marks":[],"text":""},{"_key":"364cd3c1e445","_type":"mainAnchor","pageAnchor":{"_ref":"a5632083-6993-47e2-9bc1-07d0a86ad84c","_type":"reference"}},{"_key":"0a68034d99f40","_type":"span","marks":[],"text":"The three main fund structures "}],"markDefs":[],"style":"h2"},{"_key":"4b7b2b21499a","_type":"block","children":[{"_key":"5d8b72478bbb","_type":"span","marks":[],"text":""},{"_key":"e02338579d1e","_type":"mainAnchor","pageAnchor":{"_ref":"bcd041ed-8ed5-4fc7-8abd-21ee28def30c","_type":"reference"}},{"_key":"6c2a9ecc53f30","_type":"span","marks":[],"text":"1. Mutual fund – also known as an open-ended fund, OEIC or UCITS fund"}],"markDefs":[],"style":"h3"},{"_key":"3460d916f7b2","_type":"block","children":[{"_key":"0325a805ebd40","_type":"span","marks":[],"text":"A mutual fund combines money from multiple investors, which a professional manager invests according to the fund’s goals, such as growth or income, often focusing on specific sectors like European stocks or technology. Being “open-ended,” the fund can adjust its shares based on investor activity, with its value matching the combined value of its holdings. Investors can monitor performance daily through services like Morningstar, comparing it to similar funds or benchmarks like the FTSE All Share for UK funds."}],"markDefs":[],"style":"normal"},{"_key":"9f8832eee9c7","_type":"block","children":[{"_key":"b0249a4aa624","_type":"span","marks":[],"text":""},{"_key":"777c7f3bd35c","_type":"mainAnchor","pageAnchor":{"_ref":"b8467767-7e11-4c31-bea1-aa9f5262781c","_type":"reference"}},{"_key":"6722e89ace4a","_type":"span","marks":[],"text":"2. ETF – or exchange-traded fund"}],"markDefs":[],"style":"h3"},{"_key":"ac1f21c74e0a","_type":"block","children":[{"_key":"189a0849a0f50","_type":"span","marks":[],"text":"ETFs, or Exchange-Traded Funds, are investment funds that provide low-cost, diversified access to various markets, similar to mutual funds. Unlike mutual funds, ETFs trade on stock exchanges, with their prices fluctuating throughout the day based on supply and demand. ETFs often aim to track specific assets, like major stock indices (e.g., S&P 500), commodities, or even currencies. They can be structured using \"physical\" methods (owning a bit of each asset in the index) or \"synthetic\" methods (using derivatives to mimic asset performance). ETFs can also offer leveraged or inverse options to enhance potential gains or bet against an asset's price. They are generally affordable, easy to trade, and flexible for various investment strategies."}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"6add2d498f76","_type":"block","children":[{"_key":"14d23d4bf09a","_type":"span","marks":["strong"],"text":"Discover more about ETFs and how they work"}],"markDefs":[],"style":"normal"}],"_key":"090c0fe4bbd4","_type":"ctaWidget","reference":{"_ref":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"reference"},"text":"ETF HUB"},{"_key":"3734671b2a32","_type":"block","children":[{"_key":"ebc0f19e9b3d0","_type":"span","marks":[],"text":"3. Investment Trusts"}],"markDefs":[],"style":"h3"},{"_key":"47687a68ef20","_type":"block","children":[{"_key":"22745b29c849","_type":"span","marks":[],"text":"Investment trusts are publicly listed companies that pool investors' money to buy shares, bonds, or other assets like property. Managed by a board that oversees the fund manager, they operate as \"closed-ended\" funds, meaning they don’t need to buy or sell assets as investors come and go. This structure suits less liquid investments, and they can also save income from strong years to pay out in weaker ones, offering a steadier return. Investors can buy shares at market prices, sometimes below the actual asset value, and have many options for building a diverse portfolio. Read more on how mutual funds compare to ETFs and Investment Trusts "},{"_key":"3ac6a8b34f46","_type":"span","marks":["bd12d349ce04"],"text":"here"},{"_key":"f569af0635c5","_type":"span","marks":[],"text":". \n"}],"markDefs":[{"_key":"bd12d349ce04","_type":"internalLinkPick","reference":{"_ref":"508b9184-a3ee-4f2c-b9cd-5c61ac88dfaa","_type":"reference"}}],"style":"normal"},{"LeftSideText":[{"_key":"bcb044ecf5ab","_type":"block","children":[{"_key":"ba7542cf4442","_type":"span","marks":["strong"],"text":"Find out all you need to know about Investment Trusts in our hub"}],"markDefs":[],"style":"normal"}],"_key":"c677d8dce5ad","_type":"ctaWidget","reference":{"_ref":"c4a944ee-6d37-4a32-ad78-476434729026","_type":"reference"},"text":"READ MORE"},{"_key":"90c958e3a76f","_type":"block","children":[{"_key":"58ff5f53dc6e","_type":"span","marks":[],"text":""},{"_key":"d942deccb966","_type":"mainAnchor","pageAnchor":{"_ref":"614ab4cf-e295-402a-90a2-ddce00934029","_type":"reference"}},{"_key":"45fae644733a","_type":"span","marks":[],"text":"Bonds vs shares"}],"markDefs":[],"style":"h2"},{"_key":"e90ad037fc44","_type":"block","children":[{"_key":"69fbf9a8af22","_type":"span","marks":[],"text":"When it comes to investing with funds, you'll often see the \"portfolio\" - that is, what the fund is actually invested in - broken down into different assets. The two most common assets are bonds and shares, but what actually are they?"}],"markDefs":[],"style":"normal"},{"_key":"112a4d6cbc9f","_type":"block","children":[{"_key":"c6616cbb00f7","_type":"span","marks":[],"text":"What is a bond?"}],"markDefs":[],"style":"h3"},{"_key":"55297b26fffd","_type":"block","children":[{"_key":"f9ec30e1d7d7","_type":"span","marks":[],"text":"Owning a bond is kind of getting an IOU from a government or a company – you buy their bond and you’re lending them money. The dicier the prospect of getting your cash back, the more ‘interest’ they will pay you to compensate for the risk. So an Ecuadorian mining company bond would pay a gazillion times more than the relatively staid UK government, for example. It’s a riskier loan so they’ll compensate you more for taking this extra risk. "}],"markDefs":[],"style":"normal"},{"_key":"ad246f1d9a03","_type":"block","children":[{"_key":"d33daf52853b","_type":"span","marks":[],"text":"Bonds are influenced by interest rates, so they’re behaving a bit weirdly at the moment. If you lend the UK government money for 10 years, they’ll pay you about 4% (at the time of writing). And inflation is hovering around the 10% mark. So you’ll see why bonds are paying attractive rates at the moment - the UK economy is currently grappling with the risk of high inflation!"}],"markDefs":[],"style":"normal"},{"_key":"66a2cb7a79bb","_type":"block","children":[{"_key":"f67dc90952da","_type":"span","marks":[],"text":"What is a share?"}],"markDefs":[],"style":"h3"},{"_key":"42ec8b2bfea7","_type":"block","children":[{"_key":"d7677c521ef0","_type":"span","marks":[],"text":"Shares are also known as ‘equities’ or ‘stocks’. If you own shares, you buy little pieces of the world’s biggest companies. And tie your fortunes to theirs. It's these shares that make up the majority of most funds. "}],"markDefs":[],"style":"normal"},{"_key":"87391d64e98f","_type":"block","children":[{"_key":"50f803a42246","_type":"span","marks":[],"text":"As a rule of thumb, most ‘equity’ focused funds will have about 40-60 shares in them, although some fund managers have fewer, sticking to their convictions more about which shares are duds and which ones are winners. "}],"markDefs":[],"style":"normal"},{"_key":"230865d11ff5","_type":"block","children":[{"_key":"81251b61e60c","_type":"span","marks":[],"text":"Shares are also one of the few investments where you can get a decent income. Companies often pay out a share of their profits as dividends. The key is to look for an ‘equity income’ fund. Pick the right one and you could get an income of around 3-4% a year!"}],"markDefs":[],"style":"normal"},{"_key":"06e377758cad","_type":"block","children":[{"_key":"d4019195a987","_type":"span","marks":[],"text":"The balance between bonds and shares"}],"markDefs":[],"style":"h3"},{"_key":"46cf69523ea8","_type":"block","children":[{"_key":"d519404d9cb6","_type":"span","marks":[],"text":"Many suggest diversifying, which means a sort-of Combo Meal of bonds "},{"_key":"a61d5d5863e0","_type":"span","marks":["em"],"text":"and "},{"_key":"2e722c7e508b","_type":"span","marks":[],"text":"shares. Over the long-term, bonds are usually seen as safer and less choppy than shares, but many believe they will make you less over the long-run too. On the other hand, the stock market can potentially make you profit over the longer-term, but can come with significant short-term risk."}],"markDefs":[],"style":"normal"},{"_key":"c973c0042a75","_type":"block","children":[{"_key":"c0025ecc2c48","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c1f67febb327","_type":"prosConsWidget","pros":["You're nearing retirement age","You're not keen on stock market risk"],"prosTitle":"BONDS are better for you if"},{"_key":"e27629a359a2","_type":"block","children":[{"_key":"e48f0db1ddad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a30ea1e3729e","_type":"prosConsWidget","pros":["You can tolerate the concept of stock market risk","You've got lots of time before you need to access your cash"],"prosTitle":"SHARES are better for you if"},{"_key":"03b6c39b6bf2","_type":"block","children":[{"_key":"1ee6f1df4158","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ed118f277297","_type":"block","children":[{"_key":"e3ed41cc210b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c4556aebdc3","_type":"block","children":[{"_key":"59b8e9cbba60","_type":"span","marks":[],"text":"As a general rule of thumb, if you’re a spring chicken and investing for ages in the future, you should probably look at "},{"_key":"0f04bd6e7f43","_type":"span","marks":["em"],"text":"mostly "},{"_key":"0a524dc1e267","_type":"span","marks":[],"text":"shares. If you’re getting on and likely to need your money soon, people typically prefer bonds because they’re less likely to crash as dramatically as shares, leaving you high and dry if you need to cash in your investments. "}],"markDefs":[],"style":"normal"},{"_key":"c44bbef6d561","_type":"block","children":[{"_key":"e1b0274abca3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f871776e39d7","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "},"text":[{"_key":"dc826f13da73","_type":"block","children":[{"_key":"92f0eb6df824","_type":"span","marks":["strong"],"text":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "}],"markDefs":[],"style":"normal"}]},{"_key":"f7d5fb36fe0f","_type":"block","children":[{"_key":"db6952c70b24","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19431081595a","_type":"block","children":[{"_key":"6e263f6e0c3f","_type":"span","marks":[],"text":""},{"_key":"394165043e4a","_type":"mainAnchor","pageAnchor":{"_ref":"f0e25e55-88ef-4bd3-96fb-2ea766606d57","_type":"reference"}},{"_key":"d81d41f1e8ee1","_type":"span","marks":[],"text":"Active vs passive"}],"markDefs":[],"style":"h2"},{"_key":"97fd1b6cacb5","_type":"block","children":[{"_key":"b1149c8e019a","_type":"span","marks":[],"text":"Another couple of phrases you'll often see when investing in funds is 'active' and 'passive', but as the world of finance is renowned for being full of jargon, no one ever seems to explain what these are! Here's what they actually mean and why they matter when deciding on the right fund for you."}],"markDefs":[],"style":"normal"},{"_key":"4f4328ace20e","_type":"block","children":[{"_key":"267b07472f39","_type":"span","marks":[],"text":"What is an active fund?"}],"markDefs":[],"style":"h3"},{"_key":"965f3e1b9c85","_type":"block","children":[{"_key":"7e7c85ce1d910","_type":"span","marks":[],"text":"Most funds in the market are what we call ‘active’. An active fund manager, by definition, thinks he or she is smarter than the average investor. A clever clogs. They think they can spot a bargain. Spot the dog before others. Identify the region that is about to go belly-up. So they pick and choose. If you buy an active fund which invests in shares, you'll usually pay a fee to the fund manager of about 75p-95p for every £100 you entrust to them. "}],"markDefs":[],"style":"normal"},{"_key":"dd074314f1cf","_type":"block","children":[{"_key":"e2405d675768","_type":"span","marks":[],"text":"What is a passive fund?"}],"markDefs":[],"style":"h3"},{"_key":"b9d2cd328e0c","_type":"block","children":[{"_key":"9da255300335","_type":"span","marks":[],"text":"Passive funds, on the other hand, are devoid of ego and opinion. They're the well-behaved end of the fund market. No one makes a call on whether Share A is better than Share B. They simply follow what we call an index - or a list of shares or bonds in any given market. They buy them in proportion to their size and no judgement calls are made. If you buy a passive fund which invests in shares, you'll usually pay a fee to the fund manager of about 8-12p for every £100 you entrust to them. It’s a lot cheaper because it’s run by a computer, rather than an expensive human. "}],"markDefs":[],"style":"normal"},{"_key":"365e8264db90","_type":"block","children":[{"_key":"faa5a312feb3","_type":"span","marks":[],"text":"How to decide between active vs passive funds"}],"markDefs":[],"style":"h3"},{"_key":"b8221aa671cb","_type":"block","children":[{"_key":"4799dbdc92b40","_type":"span","marks":[],"text":"There are pros and cons to each approach. Passive funds will tend to be cheaper and have performed well over much of the past decade as a result of strong performance from the technology giants (which form a large share of most capitalisation-weighted indices). However, they can have certain biases – the MSCI World has a 70%+ weighting to the US[2],  for example. Equally, bond indices can have higher weights in companies that have issued the most bonds – i.e. the most indebted. This can increase risk."}],"markDefs":[],"style":"normal"},{"_key":"611ac6f8c648","_type":"block","children":[{"_key":"d022771f72c90","_type":"span","marks":[],"text":"With active funds, there tends to be extremes. Some fund managers will be very successful and deliver better returns than the wider market, while others will find their analysis doesn’t pay off. Investors need to be willing to take a risk on the manager’s skill."}],"markDefs":[],"style":"normal"},{"_key":"c39c65e3ba8a","_type":"block","children":[{"_key":"3c62d7c5ecdd","_type":"span","marks":[],"text":"The jury is out on which is best, but passive funds will inherently return the average of any market. Some active funds will go further and smash it – but others will underperform and charge you for the privilege! So it depends on your risk appetite, among other things. Happy to sit back and copy what the markets do? Passive is for you. Want to leave it to the experts to crunch the numbers and try to outperform? Then try active.\n"}],"markDefs":[],"style":"normal"},{"_key":"ad85bfad7fcf","_type":"block","children":[{"_key":"3d022ec4e243","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"769a3bdcb210","_type":"emailSignupWidget","brazeSubscriptionGroupId":"80bb057b-016f-4c60-8fed-bc2199e56dc7","brazeSubscriptionRef":{"_ref":"75cfa314-bcb6-4835-9c3d-28febc21b8d6","_type":"reference"},"image":{"_type":"mainImage","alt":"Sign up here!"},"paragraphText":"Get the best-performing funds, market commentary and jargon free insight delivered straight to your inbox every month. Join our Fund Newsletter.\n","title":"Sign up here!"},{"_key":"9082b2e04f18","_type":"block","children":[{"_key":"eca87e721854","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ed19b6fc9ee","_type":"block","children":[{"_key":"0ee0c876052d","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"1fdae174a2eb","_type":"block","children":[{"_key":"4e62aed3fa81","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3aafc66da691","_type":"block","children":[{"_key":"7eacb7f07336","_type":"span","marks":[],"text":"[1] "},{"_key":"d5da36f05625","_type":"span","marks":["873e1e148fbf"],"text":"PwC, March 2024"}],"markDefs":[{"_key":"873e1e148fbf","_type":"internalLinkPick","blank":true,"reference":{"_ref":"145cfde5-0dfc-42d5-920b-0b191331e84e","_type":"reference"}}],"style":"normal"},{"_key":"303192e61fb6","_type":"block","children":[{"_key":"1928cb41e922","_type":"span","marks":[],"text":"[2] "},{"_key":"341d43b08b6b","_type":"span","marks":["a4f8efc4fe28"],"text":"MSCI, November 2024"}],"markDefs":[{"_key":"a4f8efc4fe28","_type":"internalLinkPick","blank":true,"reference":{"_ref":"b300e7f8-9ee8-475d-85f0-bcccebda9deb","_type":"reference"}}],"style":"normal"},{"_key":"49a0d84ddbed","_type":"block","children":[{"_key":"cae41be45c6b","_type":"span","marks":[],"text":"[3] "},{"_key":"653072da076b","_type":"span","marks":["d77d4f4a9a3d"],"text":"Trustnet, January 2023"}],"markDefs":[{"_key":"d77d4f4a9a3d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"39231df5-0e90-4b9c-abc7-f980c11317c9","_type":"reference"}}],"style":"normal"}],"categories":[{"_key":"1a989c0fd8ee","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"},{"_key":"761051b73014","_ref":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","_type":"reference"},{"_key":"89ab44c91dc9","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"}],"excerpt":[{"_key":"0c5edb6fe2c3","_type":"block","children":[{"_key":"e3cfba5e3d06","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. A great way to avoid making a clanger by choosing one duff share. 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One issue is lack of flexibility. Because ETFs typically track an index, you have no control over the individual companies included. If a sector you don’t support (like fossil fuels or tobacco) is heavily represented in a broad market ETF, there’s not much you can do about it. This can be a drawback for "},{"_key":"6c28ef491aaf","_type":"span","marks":["5aab59721fc3"],"text":"ethical"},{"_key":"370dd1259229","_type":"span","marks":[],"text":" investors who want to align their portfolio with their values."}],"markDefs":[{"_key":"5aab59721fc3","_type":"glossaryPick","reference":{"_ref":"5cb1800e-1555-43a2-83d8-bd1d19a586fe","_type":"reference"}}],"style":"normal"},{"_key":"7a60017a89b5","_type":"block","children":[{"_key":"6b38641ab2cc","_type":"span","marks":[],"text":""},{"_key":"bb505b264510","_type":"mainAnchor","pageAnchor":{"_ref":"cd10a6ae-7510-4135-8400-f12ba04fda3d","_type":"reference"}},{"_key":"7dd65ce281b4","_type":"span","marks":[],"text":"❌ Beware of owning too many"}],"markDefs":[],"style":"h3"},{"_key":"1728bd5cc2c2","_type":"block","children":[{"_key":"b1bfa84f2454","_type":"span","marks":[],"text":"Another thing to watch out for is over-diversification or “diworsification.” Some investors load up on lots of ETFs without realising there’s significant overlap between the "},{"_key":"e2c6c9e2e9bf","_type":"span","marks":["46e65d891c29"],"text":"underlying"},{"_key":"4b9bd5e1f275","_type":"span","marks":[],"text":" assets. For example, if you own a global ETF and a US-focused ETF, you might be doubling up on the same stocks. It’s important to understand what’s actually inside your ETFs to avoid unintended risk or redundancy."}],"markDefs":[{"_key":"46e65d891c29","_type":"glossaryPick","reference":{"_ref":"cb2d54a5-51bd-4510-96c6-badad138eff7","_type":"reference"}}],"style":"normal"},{"_key":"e3bd9ee6ecec","_type":"block","children":[{"_key":"14bac8b5c670","_type":"span","marks":[],"text":""},{"_key":"648c01633d9c","_type":"mainAnchor","pageAnchor":{"_ref":"34c4bdaa-bb71-424f-972c-c0de69e9f1df","_type":"reference"}},{"_key":"f41184660529","_type":"span","marks":[],"text":"❌ Still rise and fall with the market"}],"markDefs":[],"style":"h3"},{"_key":"e295c312435d","_type":"block","children":[{"_key":"ef70c1df0055","_type":"span","marks":[],"text":"Finally, while many ETFs are passive by design, that doesn’t mean they’re completely safe or immune to market crashes. If the market an ETF tracks drops, so will your investment. You’re accepting market returns – for better or worse. ETFs are a great foundation, but they’re not a silver bullet for investment success."}],"markDefs":[],"style":"normal"},{"_key":"95b1fcdbdfe9","_type":"block","children":[{"_key":"5f0da20db839","_type":"span","marks":[],"text":""},{"_key":"764983d86d97","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"81e7b973b1d5","_type":"span","marks":[],"text":"Top questions on ETFs"}],"markDefs":[],"style":"h2"},{"_key":"a181b5533fdb","_type":"block","children":[{"_key":"e98d4b06806c","_type":"span","marks":[],"text":""},{"_key":"a6126a3aa223","_type":"mainAnchor","pageAnchor":{"_ref":"9f5319b0-7128-4672-9d72-529aa7f21814","_type":"reference"}},{"_key":"64cb416ca8380","_type":"span","marks":[],"text":"How much do ETFs cost?"}],"markDefs":[],"style":"h3"},{"_key":"fc122a15382d","_type":"block","children":[{"_key":"7884beb22fb0","_type":"span","marks":[],"text":"ETFs trade on stock exchanges just like individual shares, which means you buy and sell them on online investment platforms. You will often be charged a commission on each buy or sell transaction."}],"markDefs":[],"style":"normal"},{"_key":"c502aabc7234","_type":"block","children":[{"_key":"dadf564d0a4b","_type":"span","marks":[],"text":"ETFs themselves usually have an annual "},{"_key":"1443cc198b51","_type":"span","marks":["89cfe4ee3312"],"text":"management fee"},{"_key":"0156aa55050c","_type":"span","marks":[],"text":", which is typically quite low - especially for large, well-known ETFs that track broad indices. However, more niche ETFs may charge slightly higher fees due to their specific focus. "}],"markDefs":[{"_key":"89cfe4ee3312","_type":"glossaryPick","reference":{"_ref":"639ead5f-b190-4b44-bc4f-805ab4d8fcf4","_type":"reference"}}],"style":"normal"},{"_key":"481a8c10a10d","_type":"block","children":[{"_key":"8658e29d1d86","_type":"span","marks":[],"text":"Another cost to consider is the "},{"_key":"253b1edbd313","_type":"span","marks":["7f92891a603e"],"text":"bid-ask spread"},{"_key":"8f784cbe584c","_type":"span","marks":[],"text":", which is the difference between the price at which a platform is willing to buy and sell the ETF – this is similar to a "},{"_key":"1ea37f15d05e","_type":"span","marks":["76b31858e487"],"text":"currency exchange"},{"_key":"45faed2a72af","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"7f92891a603e","_type":"glossaryPick","reference":{"_ref":"acfdf9ca-55f2-4ccd-8aee-3201a6153b7b","_type":"reference"}},{"_key":"76b31858e487","_type":"glossaryPick","reference":{"_ref":"c45b581e-8764-40ef-8780-ef02845ed5fc","_type":"reference"}}],"style":"normal"},{"_key":"7104cc654d2a","_type":"block","children":[{"_key":"a069bc4adb27","_type":"span","marks":[],"text":"In terms of "},{"_key":"2d94f54238dd","_type":"span","marks":["7648f8a791df"],"text":"transaction fees"},{"_key":"182bc4de1ace","_type":"span","marks":[],"text":", they will range from being free up to  £11.95 per trade depending on the platform you are investing on. If you’re making regular contributions to your ETF, these costs can add up over time, so it’s essential to keep an eye on fees - especially if you’re investing small amounts frequently."}],"markDefs":[{"_key":"7648f8a791df","_type":"glossaryPick","reference":{"_ref":"af4eb285-d6ee-484f-89ac-d776bbfcb0c5","_type":"reference"}}],"style":"normal"},{"_key":"6975d7bc829f","_type":"block","children":[{"_key":"2f25377ef185","_type":"span","marks":[],"text":""},{"_key":"743052052ddb","_type":"mainAnchor","pageAnchor":{"_ref":"043c4d3a-e208-4710-92d6-2a77330c0be0","_type":"reference"}},{"_key":"6348fbed8524","_type":"span","marks":[],"text":"Active vs passive ETFs"}],"markDefs":[],"style":"h3"},{"_key":"71cf2ab6ddd4","_type":"mainImage","asset":{"_ref":"image-7ca3e9317480168a1de35cfa1a4a9b3f6249f78e-1920x1080-png","_type":"reference"},"blankAltTag":true},{"_key":"397cdc9d2c24","_type":"block","children":[{"_key":"afae1c0135fa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ef4fc8c4ec3","_type":"block","children":[{"_key":"80803ed8ed2d","_type":"span","marks":[],"text":"The active vs passive debate is central to investing in ETFs. "}],"markDefs":[],"style":"normal"},{"_key":"fcc7ca1029b0","_type":"block","children":[{"_key":"d36caa331723","_type":"span","marks":[],"text":"A passive ETF tracks an index and aims to mirror its performance. This type of fund is cost-effective because there’s no need for an active fund manager to make investment decisions. While you won’t outperform the market, you’ll capture its returns at a low cost. Passive ETFs are great for investors who prefer a hands-off approach, and they provide broad exposure to various markets. However, you may end up owning companies or sectors that are underperforming."}],"markDefs":[],"style":"normal"},{"_key":"39b56cc28e27","_type":"block","children":[{"_key":"45bf65d5b435","_type":"span","marks":[],"text":"On the other hand, active ETFs involve fund managers selecting stocks with the goal of outperforming the index. These ETFs typically come with higher fees, as you're paying for the expertise of the manager. 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They offer broad market exposure (e.g., global or sector-specific indices) usually at a lower cost to actively managed funds, making them ideal for beginner investors looking to build a low-maintenance portfolio."}],"markDefs":[],"style":"normal"},{"_key":"02935918ca93","_type":"block","children":[{"_key":"04d0ba4ed0c9","_type":"span","marks":[],"text":"💭 Choose between active and passive "}],"markDefs":[],"style":"h3"},{"_key":"624b809b0419","_type":"block","children":[{"_key":"bb32e5b61ec7","_type":"span","marks":[],"text":"Deciding whether to invest in passive or active ETFs depends on your investment goals. Passive ETFs track a market index and typically have lower fees, while active ETFs are managed by professionals aiming to beat the market. 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They pool together the money of investors (the trust's shareholders) and professional"},{"_key":"cf04b29e7808","_type":"span","marks":["0dc04f86fbe6"],"text":" fund managers"},{"_key":"e32c287aff05","_type":"span","marks":[],"text":" then invest this money in a diversified mix of "},{"_key":"d5c10a7cb69b","_type":"span","marks":["dae918e4dc8f"],"text":"assets"},{"_key":"00e617852dac","_type":"span","marks":[],"text":" - such as "},{"_key":"4dce9bf956a0","_type":"span","marks":["acf0e1aef236"],"text":"shares"},{"_key":"30ab9d197a8b","_type":"span","marks":[],"text":", "},{"_key":"b98c4a9280d9","_type":"span","marks":["ae80e5c2e424"],"text":"bonds"},{"_key":"ef5b5138e1c9","_type":"span","marks":[],"text":", or property - according to the investment aims of the particular trust."}],"markDefs":[{"_key":"ccc3e390b038","_type":"glossaryPick","reference":{"_ref":"18e00366-dfcb-4186-8d35-7d6abf19fde7","_type":"reference"}},{"_key":"ae80e5c2e424","_type":"glossaryPick","reference":{"_ref":"ea467285-7d48-4093-b16e-76d3f8a95fc1","_type":"reference"}},{"_key":"dae918e4dc8f","_type":"glossaryPick","reference":{"_ref":"bbd21391-fb19-4ae7-9dd4-03e45b9ff515","_type":"reference"}},{"_key":"0dc04f86fbe6","_type":"glossaryPick","reference":{"_ref":"52cb8779-f204-4e14-b5e9-c3bb3cf56993","_type":"reference"}},{"_key":"acf0e1aef236","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}}],"style":"normal"},{"_key":"989f2700802e","_type":"block","children":[{"_key":"83fc9f89aa2a","_type":"span","marks":[],"text":"Unlike mutual funds, Investment Trusts are structured as closed-ended companies, meaning the number of shares available at any one time is fixed. This structure can lead to shares trading at a "},{"_key":"ca34a1df2419","_type":"span","marks":["db7d16e2b826"],"text":"premium"},{"_key":"7e483654a0fc","_type":"span","marks":[],"text":" or "},{"_key":"24f6721e852d","_type":"span","marks":["b541dc26b4e7"],"text":"discount"},{"_key":"c8a9e5db5ce9","_type":"span","marks":[],"text":" to the value of the underlying assets ("},{"_key":"d7c880d3e19e","_type":"span","marks":["38020b4e5112"],"text":"NAV"},{"_key":"f9e7404ed02b","_type":"span","marks":[],"text":"), depending on investor demand."}],"markDefs":[{"_key":"db7d16e2b826","_type":"glossaryPick","reference":{"_ref":"1830ef60-3809-4512-81e2-615746b98703","_type":"reference"}},{"_key":"b541dc26b4e7","_type":"glossaryPick","reference":{"_ref":"e83fac5f-7b96-4a74-a65e-ba25dad1285e","_type":"reference"}},{"_key":"38020b4e5112","_type":"glossaryPick","reference":{"_ref":"fed61c02-3002-4768-9374-16377d6a555f","_type":"reference"}}],"style":"normal"},{"_key":"a2afd30ca564","_type":"block","children":[{"_key":"3b189eacf653","_type":"span","marks":[],"text":"Investment Trusts can suit a range of different investment styles and goals. You can choose trusts that focus on specific regions, such as Europe, the US, or emerging markets, or sectors like technology, healthcare, renewable energy, or infrastructure. There are also trusts that focus on niche areas like property or care homes, providing exposure to investments that may be otherwise difficult to access or trade (\""},{"_key":"e129343ccb8b","_type":"span","marks":["ea49f06947df"],"text":"illiquid"},{"_key":"1ce1ed5704d8","_type":"span","marks":[],"text":"\")."}],"markDefs":[{"_key":"ea49f06947df","_type":"glossaryPick","reference":{"_ref":"218d3eda-c963-4bda-8132-0eaae6e1bbd2","_type":"reference"}}],"style":"normal"},{"_key":"c894f0d25c5d","_type":"block","children":[{"_key":"f974a8a3f536","_type":"span","marks":[],"text":"One of the key benefits of Investment Trusts is their potential to provide regular income. Many trusts pay cash "},{"_key":"6b1303b80038","_type":"span","marks":["5a8128b50585"],"text":"dividends"},{"_key":"90e3bcf565f8","_type":"span","marks":[],"text":", which is why they're popular with income-seeking investors such as retirees. Investment Trusts can also retain income in strong years, allowing them to continue paying dividends during more difficult periods - a feature known as dividend smoothing."}],"markDefs":[{"_key":"5a8128b50585","_type":"glossaryPick","reference":{"_ref":"879c473d-ba07-433e-ad4d-217e24243b54","_type":"reference"}}],"style":"normal"},{"_key":"080731a11e49","_type":"block","children":[{"_key":"67dabc5842bb","_type":"span","marks":[],"text":"In summary, Investment Trusts offer a flexible, expert-led way to invest in a variety of markets and sectors, with the added bonus of potentially generating a regular stream of income too."}],"markDefs":[],"style":"normal"},{"_key":"a37339e7a09b","_type":"block","children":[{"_key":"b6119c2d8f7f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e7c00b3b2796","_type":"block","children":[{"_key":"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. That means a small market dip can lead to a bigger hit to your investment."}],"markDefs":[],"style":"normal"},{"_key":"32ee3a8b93d0","_type":"block","children":[{"_key":"849b6da99cad","_type":"span","marks":[],"text":"Think of it like going downhill on a bike - fast and fun when things are smooth, but risky if you hit a bump."}],"markDefs":[],"style":"normal"},{"_key":"ce08f334bd29","_type":"block","children":[{"_key":"492b89afc6c8","_type":"span","marks":[],"text":"Not all trusts use gearing, and those that do vary in how much. If you're risk-averse, nearing retirement, or might need your money soon, a geared trust may not be the right fit. Always check before you invest - the "},{"_key":"38ab6bff7723","_type":"span","marks":["562c044fcda2"],"text":"Association of Investment Companies (AIC)"},{"_key":"cb24c5106044","_type":"span","marks":[],"text":" is an industry body which represents trusts in the UK and is a great place to start your research."}],"markDefs":[{"_key":"562c044fcda2","_type":"internalLinkPick","blank":true,"reference":{"_ref":"a096aa70-a20c-4b8a-a6a1-cb4a650afce6","_type":"reference"}}],"style":"normal"},{"_key":"9e94bdbf275f","_type":"block","children":[{"_key":"53101b04439a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a444e9eff618","_type":"textboxWidget","image":{"_type":"mainImage","asset":{"_ref":"image-c1a44dfa26a59e148b8614f83e2a1df3f4b4cdcf-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","text":[{"_key":"fdf7147b9782","_type":"block","children":[{"_key":"422f50bec8c0","_type":"span","marks":[],"text":"💡 Where to check for gearing"}],"markDefs":[],"style":"h4"},{"_key":"d7c038e7d74d","_type":"block","children":[{"_key":"00db00ad188e","_type":"span","marks":[],"text":"Investment Trust factsheets and/or annual reports typically display the current gearing level as a percentage of total assets. For example, a gearing level of 10% means the trust has borrowed an amount equal to 10% of its net assets, allowing it to invest more than it otherwise could. 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This means it might be harder to sell your shares quickly when you want to (illiquid). If there aren’t many buyers, you could be forced to accept a lower price than you hoped for."}],"markDefs":[],"style":"normal"},{"_key":"df7649b1e765","_type":"block","children":[{"_key":"b0e293350f66","_type":"span","marks":[],"text":"In simple terms, it’s like trying to sell a rare item that not many people want right now. This can make your investment less flexible, which might be a problem if you need cash quickly."}],"markDefs":[],"style":"normal"},{"_key":"1b3ad41fd2ed","_type":"block","children":[{"_key":"a9f42b998d41","_type":"span","marks":[],"text":"If you’re new to Investment Trusts, it’s worth checking how often a trust’s shares trade before buying. Larger, more popular trusts usually have better liquidity, making it easier to buy and sell without a hassle. 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HL’s ready-made options offer a simple, hands-free route that may appeal to some investors."}],"markDefs":[],"style":"normal"},{"_key":"a0784cbb0020","_type":"block","children":[{"_key":"af4e480773e3","_type":"span","marks":[],"text":"There is an account charge of 0.15% and a fund charge of 0.30% (0.45% in total). 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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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With Hargreaves Lansdown charging up to 0.45% for fund holdings, many investors could question whether the premium pricing is justified. Our analysis reveals surprising insights about the UK's largest investment platform and who actually benefits most from their services."}],"markDefs":[],"style":"normal"},{"_key":"f4a988f1c21b","_type":"block","children":[{"_key":"f34b0a3998890","_type":"span","marks":[],"text":"While Hargreaves Lansdown boasts an impressive 1.8 million customers and £140 billion in assets, the platform's higher fees have sparked debate among cost-conscious investors. 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shares"}],"markDefs":[],"style":"normal"}]},{"_key":"5f50d546601f","_type":"cell","tableStyle":"W","value":[{"_key":"6f62b1a13b86","_type":"block","children":[{"_key":"3000ee7693300","_type":"span","marks":[],"text":"£5.00**"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"AJ Bell Dealing Charges"},{"_key":"1d08cc6c1186","_type":"block","children":[{"_key":"f45cfae49272","_type":"span","marks":["em"],"text":"*There are no dealing charges when buying AJ Bell Funds."}],"markDefs":[],"style":"normal"},{"_key":"0db0fca84ca4","_type":"block","children":[{"_key":"6fdb3ab90df00","_type":"span","marks":["em"],"text":"**A lower ‘frequent’ shares dealing charge of £3.50 applies when you have completed 10 or more share deals in the previous month."}],"markDefs":[],"style":"normal"},{"_key":"ff22a4f1a98c","_type":"block","children":[{"_key":"1c9da49edf750","_type":"span","marks":[],"text":"Other 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If a fund fails due to fraud or mismanagement, you may be eligible for compensation from the "},{"_key":"99c08bdf5c00","_type":"span","marks":["fd93d3fc8d0a"],"text":"Financial Services Compensation Scheme (FSCS)"},{"_key":"6e360df22cb4","_type":"span","marks":[],"text":". The FSCS protection is capped at £85,000 per person, per fund manager (not per individual fund). 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This means that once you withdraw your money, you can’t put it back in again without affecting your annual allowance (currently £20,000)."}],"markDefs":[],"style":"normal"},{"_key":"6fb5f9f4500b","_type":"block","children":[{"_key":"263820b284b90","_type":"span","marks":[],"text":"For example, let’s say you put £10,000 into your AJ Bell Stocks & Shares ISA during the current tax year and then withdraw £2,000. If you then went to pay this £2,000 "},{"_key":"263820b284b91","_type":"span","marks":["em"],"text":"back in"},{"_key":"263820b284b92","_type":"span","marks":[],"text":" during the same tax year, it would count as an"},{"_key":"263820b284b93","_type":"span","marks":["em"],"text":" additional"},{"_key":"263820b284b94","_type":"span","marks":[],"text":" £2,000 – taking your total contributions for the year up to £12,000 (and thus closer to the £20,000 allowance)."}],"markDefs":[],"style":"normal"},{"_key":"15cc7d0bf604","_type":"block","children":[{"_key":"cf57144bf6430","_type":"span","marks":[],"text":"On the other hand, a flexible ISA would enable you to withdraw funds and pay them back in without affecting your allowance."}],"markDefs":[],"style":"normal"},{"_key":"b8d25381a066","_type":"block","children":[{"_key":"072a4dcf850d","_type":"span","marks":[],"text":""},{"_key":"491adf7bda54","_type":"mainAnchor","pageAnchor":{"_ref":"d03cc619-c9e7-4fb3-875a-23822616f0a5","_type":"reference"}},{"_key":"406f686f8b8b0","_type":"span","marks":["strong"],"text":"How to withdraw money from AJ Bell"}],"markDefs":[],"style":"h3"},{"_key":"fb4e2ec2fe19","_type":"block","children":[{"_key":"5888355bedee0","_type":"span","marks":[],"text":"It’s a straightforward process to withdraw money from AJ Bell - you can withdraw cash from your Stocks & Shares ISA on the website. 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Remember that investments can also fall, so you might not get all of your money back. Tax treatment depends on individual circumstances and may change."}],"markDefs":[],"style":"normal"}],"title":"Information: "},{"_key":"f716293b728e","_type":"block","children":[{"_key":"2d19c3977e21","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"brazeCustomAttributes":[{"_key":"8814180d635e","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_ProviderPage","customAttributeValue":"https://www.boringmoney.co.uk/isas-pensions/aj-bell-youinvest/"}],"categories":[{"_key":"a07e2727acd2","_ref":"2845ba64-de47-4336-abc9-216ccbb41a52","_type":"reference"}],"company":{"_ref":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"reference"},"emailSignupWidgetButtonText":"READ FULL REVIEW","emailSignupWidgetImage":{"_type":"mainImage","alt":"Gated content"},"emailSignupWidgetParagraphText":"Boring Money conducts rigorous, year-round testing on AJ Bell using our live account. 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But size doesn't always equal value – especially when typical investors could save money by choosing the right platform for their specific needs."}],"markDefs":[],"style":"normal"},{"_key":"a95ab0787fd7","_type":"block","children":[{"_key":"61379a0489ad0","_type":"span","marks":[],"text":"Our analysis shows AJ Bell YouInvest particularly stands out for:"}],"markDefs":[],"style":"normal"},{"_key":"f1dbf4fba898","_type":"block","children":[{"_key":"f8e67b85338c0","_type":"span","marks":[],"text":"Competitive fees "}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c446ad78c340","_type":"block","children":[{"_key":"fb5485637da70","_type":"span","marks":[],"text":"Extensive investment range including shares, funds, and ETFs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c8831b17ce40","_type":"block","children":[{"_key":"ebbefe71d0610","_type":"span","marks":[],"text":"Research tools and regular market insights"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"44728e734c69","_type":"block","children":[{"_key":"bc599fc105b00","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"hideTitle":false,"linkMenu":[{"_key":"0b3dfb6fe5e8","_ref":"54579584-9466-45f9-b79a-1946b44d7f0d","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":"aj bell","asset":{"_ref":"image-ba6b86859eb77ea1543666422f6b957e0e025fb6-1080x1080-jpg","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"8f5ab9fb-224b-4f57-ba6c-6518bb4164ec","_type":"reference"},"publishedAt":"2025-01-01T09:23:00.000Z","slug":{"_type":"slug","current":"aj-bell-youinvest"},"subfolder":{"_ref":"7d9bb145-3ebb-402e-a729-6a28b4d8ea93","_type":"reference"},"subtitle":"Independent review by Boring Money","template":"C-SB","textNextToKey":"Sign up for free to read more!","title":"Is AJ Bell good for investing?","widgets":[{"_key":"02b4d2146166","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"},{"_key":"b4cfa7b8d1ed","_ref":"3fefd2ec-9177-427c-9149-529cd1417d24","_type":"reference"}],"id":"-90e537c1-1c19-591a-913b-da530c91d620","children":[],"parent":null}},{"_key":"abe234734263","_type":"internalLinkPick","reference":{"_id":"22d041fa-4595-43c0-9055-7853b8b849f0","_type":"information","_rev":"Hj76D8TA9yGzj4qHLXAdfi","_createdAt":"2021-08-30T10:50:17Z","_updatedAt":"2026-06-18T09:05:49Z","_system":{"base":{"id":"22d041fa-4595-43c0-9055-7853b8b849f0","rev":"4smu7Ks5k1PWjXUh4z3qw1"}},"authors":[{"_key":"abe5c98b2960","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"body":[{"_key":"464183fe481a","_type":"providerHeaderWidget","company":{"_ref":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"reference"}},{"_key":"428b009b3fa6","_type":"anchorMenuMobile","title":"menu"},{"_key":"817e0975ea68","_type":"block","children":[{"_key":"998733f3c0f4","_type":"span","marks":[],"text":""},{"_key":"6855dcd0e28b","_type":"mainAnchor","pageAnchor":{"_ref":"be67f70a-2e31-4e77-9282-6784550f85ce","_type":"reference"}},{"_key":"ebe9852a6451","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"aba1cfbe11cc","_type":"ourRatingWidget","company":{"_ref":"74d5a1e5-87ac-4f50-a28f-a13923a64829","_type":"reference"}},{"_key":"06e56ad4e01f","_type":"block","children":[{"_key":"8553927898e8","_type":"span","marks":[],"text":""},{"_key":"92dc6c963ebf","_type":"mainAnchor","pageAnchor":{"_ref":"e17eb14a-5082-4a31-911c-e8cf2665fa72","_type":"reference"}},{"_key":"c18545c6b1b4","_type":"span","marks":[],"text":"Investment expert’s opinion "}],"markDefs":[],"style":"h2"},{"_key":"9e41eb5aaa05","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money*","photo":{"_type":"mainImage","alt":"Holly Mackay","asset":{"_ref":"image-07b1620dff47adb00f7704e8ba793962e9b83389-1000x707-jpg","_type":"reference"}},"quote":[{"_key":"e8c4e3801514","_type":"block","children":[{"_key":"d28952914b50","_type":"span","marks":[],"text":"interactive Investor has been steadily improving. Price revisions now make this compelling for those with smaller accounts and also those who manage family accounts. The community app will appeal to those who love investing and want all the chat - it won't be for everyone. The app is good, although the research feels a little 'standalone' and not well integrated to those reviewing existing portfolios. I'm being picky there - it's a very decently priced offer which becomes pretty hard to fault for more seasoned investors with larger sums to invest and manage."}],"markDefs":[],"style":"normal"}]},{"_key":"6ef4fccf92a5","_type":"block","children":[{"_key":"55e4dc878e1e","_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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Interactive Investor's acquisition by aberdeen was completed in May 2022. interactive investor states one of its core principles is that “investing should be simple and open to all” and it strives to facilitate this through “transparent, fair fees” and “simple language”."}],"markDefs":[],"style":"normal"},{"_key":"0cca81476535","_type":"block","children":[{"_key":"1d3deae1d37e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"63c10e3e4b3a","_type":"block","children":[{"_key":"aaec50edc9b9","_type":"span","marks":[],"text":""},{"_key":"b4fd3bfc20cc","_type":"mainAnchor","pageAnchor":{"_ref":"cf6f26cf-1a25-40c6-b9bc-7eea852a160b","_type":"reference"}},{"_key":"aa9d1a1907b6","_type":"span","marks":[],"text":"Who is interactive investor good for?"}],"markDefs":[],"style":"h2"},{"_key":"ae0a82d117d9","_type":"block","children":[{"_key":"95638222eb520","_type":"span","marks":[],"text":"The support and research will be most helpful to experienced investors and share traders - it still feels a bit overwhelming for the less confident. 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Offer ends on 30 June 2026. *Terms & trading fees apply. Available to new customers opening a SIPP only. Not available to existing customers. £20,000 minimum deposit required. Funding can be via transfers, contributions, or both. Cashback will be paid within 30 days of qualification. 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The yield on corporate bonds can depend on how creditworthy the issuer is deemed to be."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1ae2c651010c","_type":"block","children":[{"_key":"b2cf653912e6","_type":"span","marks":["strong"],"text":"Junk bonds"},{"_key":"de963fb49c1a","_type":"span","marks":[],"text":" – bonds considered to be associated with a high level of risk."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"13980bdcc8e2","_type":"block","children":[{"_key":"eccb54653b7f","_type":"span","marks":["strong"],"text":"Municipal bonds"},{"_key":"fc0a803854f4","_type":"span","marks":[],"text":" – bonds issued by local governments, municipalities or states."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"99265f630422","_type":"block","children":[{"_key":"d35e39620486","_type":"span","marks":["strong"],"text":"Sovereign bonds"},{"_key":"5a9922c471ff","_type":"span","marks":[],"text":" – bonds issued by national governments. These can include gilts and treasuries."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"470565ca8ddf","_type":"block","children":[{"_key":"438715b5ca47","_type":"span","marks":["strong"],"text":"Gilts"},{"_key":"8964468bdd47","_type":"span","marks":[],"text":" – bonds issued by the UK government."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"80fda3477c0c","_type":"block","children":[{"_key":"49fed3a1aeeb","_type":"span","marks":["strong"],"text":"Treasuries"},{"_key":"ffbf2c8c0489","_type":"span","marks":[],"text":" – bonds issued by the US government."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"266e915029c0","_type":"block","children":[{"_key":"e3fcc300e9ad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a2537989de30","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Key bond terms to know:"},"text":[{"_key":"fdbdc1410e5c","_type":"block","children":[{"_key":"6f839624c465","_type":"span","marks":[],"text":"Key bond terms to know:"}],"markDefs":[],"style":"h4"},{"_key":"a2bb7aa8a4f4","_type":"block","children":[{"_key":"850c1ad2d9a0","_type":"span","marks":[],"text":"Coupon – the fixed interest rate that the bond issuer pays the lender. This is pre-agreed and does not change."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"6326a477fc02","_type":"block","children":[{"_key":"d385ee6adb2e","_type":"span","marks":[],"text":"Creditworthiness – how reliable the bond issuer is deemed to be, based on many factors such as financial security, size, and geographic location."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8e2c27f9133e","_type":"block","children":[{"_key":"de8b059c68c1","_type":"span","marks":[],"text":"Denomination – the total face value of the bond at the point of maturity (when it’s repaid)."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"04ce92ab0c77","_type":"block","children":[{"_key":"f95ddc6b78c8","_type":"span","marks":[],"text":"Maturity – the pre-agreed date at which the bond is repaid in full. This can range from less than 1 year (short-term) to over 30 years (long-term). Longer maturities typically have higher interest rates."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c0e878ef56e9","_type":"block","children":[{"_key":"0bb0b9c0c932","_type":"span","marks":[],"text":"Yield – the actual return an investor earns from a bond. This is not fixed and can fluctuate depending on a number of factors that impact the bond's price, including the issuer's perceived creditworthiness."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"db8106f28c5c","_type":"block","children":[{"_key":"8a6812021cd6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2b1db4c3031a","_type":"block","children":[{"_key":"4127dc303820","_type":"span","marks":[],"text":""},{"_key":"f856fa8d6746","_type":"mainAnchor","pageAnchor":{"_id":"95fb0892-0bc4-4895-9015-698cfbafa2f9","_type":"anchorCategory","_rev":"WSQPA2hj6yjKpNEqwaAQf2","_createdAt":"2024-03-05T13:07:49Z","_updatedAt":"2024-03-05T13:07:49Z","AnchorName":"arebondsrightforme","id":"-8db09fa3-0cad-5ff5-af4d-fe4113ba734b","children":[],"parent":null}},{"_key":"b58f70fa29190","_type":"span","marks":[],"text":"Are bonds right for me?"}],"markDefs":[],"style":"h2"},{"_key":"755ca04acb42","_type":"prosConsWidget","cons":["You’re seeking higher returns","Your priority is maximum capital growth rather than income"],"consTitle":"Bad if you","pros":["You have a lower risk tolerance ","You’re comfortable with lower potential returns in exchange","You want more predictable investments","You’re a higher rate taxpayer wanting tax efficient ‘cash-like’ assets "],"prosTitle":"Good if you"},{"_key":"40564fbd3726","_type":"block","children":[{"_key":"0563627909a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6dc4662a2a41","_type":"block","children":[{"_key":"a4ab65705dbd","_type":"span","marks":[],"text":""},{"_key":"41e835c08ab8","_type":"mainAnchor","pageAnchor":{"_id":"e9689fd9-e232-45a8-b6cb-14ab8cb11a89","_type":"anchorCategory","_rev":"6omhR3S1TuFgHttivLDvIk","_createdAt":"2024-03-05T13:08:04Z","_updatedAt":"2024-03-05T13:08:04Z","AnchorName":"whatfactorsaffectbondperformance","id":"-ba985bfd-9619-57ab-8bfe-e018e137ffa3","children":[],"parent":null}},{"_key":"c8ff999015ce0","_type":"span","marks":[],"text":"What factors affect bond performance?"}],"markDefs":[],"style":"h2"},{"_key":"76f6c3331d51","_type":"block","children":[{"_key":"db0a0bcab5ef0","_type":"span","marks":[],"text":"Historically, bonds have generally offered lower returns than shares but tend to come with less volatility. However, there are various external factors you should be aware of that can influence a bond’s performance, such as:"}],"markDefs":[],"style":"normal"},{"_key":"8f31197b0009","_type":"textboxWidget","text":[{"_key":"e02e737fe442","_type":"block","children":[{"_key":"c9a09cb5141a","_type":"span","marks":["strong"],"text":"Interest rates: "},{"_key":"77dfe0cb24b8","_type":"span","marks":[],"text":"Generally, bonds become less attractive when base interest rates (e.g. the Bank of England’s base rate) rise - and vice versa. This is because people can get similar returns without a longer-term commitment, like with an easy-access savings account."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4f209b5bc39d","_type":"block","children":[{"_key":"0c2c8d755598","_type":"span","marks":["strong"],"text":"Creditworthiness of the issuer: "},{"_key":"10768c5377c2","_type":"span","marks":[],"text":"As we mentioned earlier, government bonds or “gilts” are generally considered safer than corporate bonds. However, this safety usually comes in the form of a lower interest rate payment. "}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"dac19d76fcbe","_type":"block","children":[{"_key":"64496e4f1970","_type":"span","marks":["strong"],"text":"Market conditions: "},{"_key":"0a660958404c","_type":"span","marks":[],"text":"Market conditions, sentiment and economic factors can also impact bond prices in the same way they impact share prices."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"7e5d90e1d232","_type":"block","children":[{"_key":"915b3da40ca4","_type":"span","marks":[],"text":""},{"_key":"504d82eb803a","_type":"mainAnchor","pageAnchor":{"_id":"433053e5-5bc2-4d66-aefe-1786ed0cb86f","_type":"anchorCategory","_rev":"WSQPA2hj6yjKpNEqwaAR7G","_createdAt":"2024-03-05T13:08:16Z","_updatedAt":"2024-03-05T13:08:16Z","AnchorName":"bondsvscash","id":"-7608e097-9cfe-5959-993a-4108dff58b0e","children":[],"parent":null}},{"_key":"5ce4755ecaff0","_type":"span","marks":[],"text":"How do I know how bonds will perform vs cash?"}],"markDefs":[],"style":"h2"},{"_key":"9a35e2149d58","_type":"block","children":[{"_key":"c3859c53f02f","_type":"span","marks":[],"text":"Unfortunately, predicting the future performance of any investment with certainty is virtually impossible."}],"markDefs":[],"style":"normal"},{"_key":"813dac338e48","_type":"block","children":[{"_key":"6fd7f04be692","_type":"span","marks":[],"text":"Bonds have historically been considered lower-risk investments, but this is not a 100% bulletproof rule. For example, in September 2022 - following ex-Chancellor Kwasi Kwarteng’s infamous “mini Budget” - there were serious concerns about the amount of spending the then-government had proposed and therefore how it would be able to keep up with national debt (including gilts)."}],"markDefs":[],"style":"normal"},{"_key":"a0b2b81f847e","_type":"block","children":[{"_key":"8e6db4cd31e8","_type":"span","marks":[],"text":"These questions around the perceived creditworthiness of the UK government impacted the bond market, pushing yields up as these loans were seen to be riskier than they had been beforehand. As yields went up, the price of UK gilts fell - and this caused the bond market to contract, as lending to the UK government became less attractive to investors (institutional and private)."}],"markDefs":[],"style":"normal"},{"_key":"6c32eb4113db","_type":"block","children":[{"_key":"16474136e415","_type":"span","marks":[],"text":"People who were invested in bonds during this period saw the value of their investments fall. For those with a well-diversified portfolio (invested in lots of different things in different proportions), the impact of this was likely to be muted. However, individuals with a high proportion allocated to bonds – such as pension funds, which typically favour bonds for their low-risk reputation – saw a bigger dip."}],"markDefs":[],"style":"normal"},{"_key":"30fde4a880db","_type":"block","children":[{"_key":"9d7c567cf94e","_type":"span","marks":[],"text":"Since then, the bond market has recovered and it is generally agreed that this was an unusual set of circumstances. Bonds are usually low risk investments and can play an important role in ensuring your investment portfolio is diversified – and not all in shares, for example."}],"markDefs":[],"style":"normal"},{"_key":"4752447969bc","_type":"block","children":[{"_key":"00e43f27a5e5","_type":"span","marks":[],"text":"So you can see that by understanding the factors that can influence bond performance, you can get a better sense of how they work and how best to incorporate them into your investment portfolio."}],"markDefs":[],"style":"normal"},{"_key":"aff983865960","_type":"block","children":[{"_key":"bc760933457c","_type":"span","marks":[],"text":""},{"_key":"c050e8063d49","_type":"mainAnchor","pageAnchor":{"_id":"8b590d7c-c5cf-48be-aa8b-f64f836f3617","_type":"anchorCategory","_rev":"WSQPA2hj6yjKpNEqwaARhx","_createdAt":"2024-03-05T13:08:29Z","_updatedAt":"2024-03-05T13:08:29Z","AnchorName":"howcaniinvestinbonds","id":"-2fc22af5-d36f-54de-b154-db428be4fbef","children":[],"parent":null}},{"_key":"6f62f9ada198","_type":"span","marks":[],"text":"How can I invest in bonds?"}],"markDefs":[],"style":"h2"},{"_key":"786650885125","_type":"block","children":[{"_key":"85a5285ccd42","_type":"span","marks":[],"text":"If you have a pension or you're an investor already, you likely already invest in bonds - they're extremely common components of pensions and are often included in various types of funds, such as multi-asset "},{"_key":"f28f28f23e96","_type":"span","marks":["b9f70e6a6e3a"],"text":"funds"},{"_key":"c962749127b0","_type":"span","marks":[],"text":", "},{"_key":"1b2ef61ef27a","_type":"span","marks":["ee0a635edab8"],"text":"ETFs"},{"_key":"ddcbd9780996","_type":"span","marks":[],"text":" and "},{"_key":"e2618dc15e95","_type":"span","marks":["ff7c8e2c54d1"],"text":"ready-made portfolios"},{"_key":"bfe93ba338ec","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b9f70e6a6e3a","_type":"internalLinkPick","reference":{"_id":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"information","_rev":"vIm9lhvf1eHBOprgleGFQF","_createdAt":"2021-06-22T10:49:30Z","_updatedAt":"2025-09-01T10:07:48Z","_system":{"base":{"id":"0bc8b13d-830e-4469-8ffe-6af27456b538","rev":"0iD6p61whJS2ZGE5T7VEFt"}},"authors":[{"_key":"9b488bad30a4","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"728ad57473cb","_type":"block","children":[{"_key":"150f7b31de0a","_type":"span","marks":[],"text":"By "},{"_key":"e55603603258","_type":"span","marks":["strong"],"text":"Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"e8df298b8c6b","_type":"anchorMenuMobile","title":"menu"},{"_key":"9473358fe106","_type":"block","children":[{"_key":"17cf1610cca6","_type":"span","marks":[],"text":""},{"_key":"91398572c6f0","_type":"mainAnchor","pageAnchor":{"_ref":"c092d7ca-1d59-4a6f-ae22-c1659dda889d","_type":"reference"}},{"_key":"6f92bc92429a","_type":"span","marks":[],"text":"What is a fund?"}],"markDefs":[],"style":"h2"},{"_key":"4f9ee0028862","_type":"block","children":[{"_key":"f102b7d00c72","_type":"span","marks":[],"text":"In a nutshell"}],"markDefs":[],"style":"h3"},{"_key":"e79c63c327eb","_type":"textboxWidget","text":[{"_key":"2121178f0ee6","_type":"block","children":[{"_key":"7d6a9f190010","_type":"span","marks":[],"text":"There are typically about 30-60 \"underlying investments\" in one fund"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d2a481641270","_type":"block","children":[{"_key":"22684174f3fa","_type":"span","marks":[],"text":"On average a single fund will cost about 0.75% in fees a year"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f3e088b52195","_type":"block","children":[{"_key":"d6ad20196bad","_type":"span","marks":[],"text":"Often a safer bet to invest than simply buying a few shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"216dcb5302ec","_type":"block","children":[{"_key":"9dd73649798a","_type":"span","marks":[],"text":"You can buy funds and put them in an ISA to keep your profits tax-free"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"97a80376b0f3","_type":"anchorMenuMobile","title":"s"},{"_key":"1653fdfc2af4","_type":"block","children":[{"_key":"2e2b2ab98724","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1b8d971c911d","_type":"block","children":[{"_key":"4507568d3a70","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. In other words, they're a great way to avoid making a clanger by choosing one duff share! Great for diversifying, investing overseas and for outsourcing the decision-making to a professional. "}],"markDefs":[],"style":"normal"},{"_key":"046672293a3e","_type":"block","children":[{"_key":"e15da747ad50","_type":"span","marks":[],"text":"Listen to our Founder & CEO Holly Mackay explain more about why funds are awesome in the helpful clip below."}],"markDefs":[],"style":"normal"},{"_key":"41b247f7f7f1","_type":"block","children":[{"_key":"1425f286ae8d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ee4659f373e2","_type":"mainVideo","url":"https://vimeo.com/829075140"},{"_key":"612f1e2f4f5c","_type":"block","children":[{"_key":"8b8077238e30","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8fde23f3fe04","_type":"block","children":[{"_key":"509c2688d6bd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3d8fbfc7b050","_type":"block","children":[{"_key":"32a1c0b03ecc","_type":"span","marks":[],"text":"A single fund will typically have about 30-60 different \"underlying investments\" in it. This spreads the risk around and hedges your bets, so rather than having to go and buy 30-60 individual shares all by yourself, you can just buy one fund and be done with it!"}],"markDefs":[],"style":"normal"},{"_key":"e8ce2e0fe91f","_type":"block","children":[{"_key":"942f0caaddf8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f9d2b7cefb40","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Most investors have between about 8 and 16 different Funds to get a good mix and spread their bets around!"},"text":[{"_key":"4e12795ee2ca","_type":"block","children":[{"_key":"40e2815c5d05","_type":"span","marks":["strong"],"text":"Top tip: Most investors have between about 8 and 16 different funds to get a good mix and spread their bets around!"}],"markDefs":[],"style":"normal"}]},{"_key":"faec06074b53","_type":"block","children":[{"_key":"3f1ea2ce7311","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"29e8456aa90b","_type":"block","children":[{"_key":"12710694212a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"16c468186b94","_type":"block","children":[{"_key":"8aa0e26dff77","_type":"span","marks":[],"text":"You can think of investing in funds like buying a mixed case of wine - you don't have to be a connoisseur and someone else picks the contents they think are good. Funds come in lots of different flavours - such as multi-asset funds or exchange-traded funds. More on these later."}],"markDefs":[],"style":"normal"},{"_key":"90feae1f7eb6","_type":"block","children":[{"_key":"1915aec3fabb","_type":"span","marks":[],"text":""},{"__inline":true,"_key":"5ccd7b870fec","_type":"mainAnchor","children":[{"_key":"ut1xgBnP3A4eT38f4GGbAL","text":""}],"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"},"value":{"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"}}},{"_key":"3fc8bd064d62","_type":"span","marks":[],"text":"Are funds right for me?"}],"markDefs":[],"style":"h2"},{"_key":"f4e25a5df60e","_type":"block","children":[{"_key":"fa0bcaef29cd","_type":"span","marks":[],"text":"On average, investors hold 49% of their investments in funds, making them one of the most popular investment vehicles out there. But are funds really the right option for you? "}],"markDefs":[],"style":"normal"},{"_key":"fed979756bbe","_type":"block","children":[{"_key":"64b6ad599651","_type":"span","marks":[],"text":"If you prefer the freedom and flexibility of choosing which companies to invest in, shares may be a better choice. However, funds can also be highly diversified, which means your investments might be spread across different regions, sectors and assets. This reduces the risk of any one event, such as a political crisis in a single region, having a significant impact on your investments."}],"markDefs":[],"style":"normal"},{"_key":"e1ad6cc3a02a","_type":"block","children":[{"_key":"a8b55972e4dd","_type":"span","marks":[],"text":"So really it comes down to your personal preference. Here's a round-up of some of the main pros and cons to help you decide if investing in funds is the right choice for you."}],"markDefs":[],"style":"normal"},{"_key":"434d193075a7","_type":"block","children":[{"_key":"0e7fe5da01de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4bc700b962a5","_type":"prosConsWidget","cons":["Don't want to pay a fee","Want to pick your own shares","Want to trade regularly"],"consTitle":"Bad if you ","pros":["Want a broad mix of different shares","Want to invest abroad too","Aren't a whizz trader "],"prosTitle":"Good if you"},{"_key":"48067afe70fe","_type":"block","children":[{"_key":"0361b14633a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cec017f1a38c","_type":"block","children":[{"_key":"172137ada71e","_type":"span","marks":[],"text":""},{"_key":"de53e982c4a9","_type":"mainAnchor","pageAnchor":{"_ref":"60941be5-1a4f-426e-b588-7699bee46271","_type":"reference"}},{"_key":"87cf346319c6","_type":"span","marks":[],"text":"Why invest in a fund?"}],"markDefs":[],"style":"h2"},{"_key":"93dc72ad81a4","_type":"block","children":[{"_key":"3338ff4b26c50","_type":"span","marks":[],"text":"A fund is simply the compilation album of the investing world! It’s a nice way to get someone at the sharp end of finance to pick and manage your investments from the bewildering array of bonds and shares on the market. Let’s give a really simple example. "}],"markDefs":[],"style":"normal"},{"_key":"a9403754dc28","_type":"block","children":[{"_key":"01c95b2b86ac","_type":"span","marks":[],"text":"If we ran the Boring Money UK Shares Fund (which we don’t), we might look at all the UK shares out there and say that HSBC, Shell, ITV and GlaxoSmithKline make the grade. And add them to our investment mix. But chuck out Barclays and Burberry and Sainsburys (all random examples by the way, not tips!). "}],"markDefs":[],"style":"normal"},{"_key":"7669a7ac791c","_type":"block","children":[{"_key":"d7e81010a760","_type":"span","marks":[],"text":"We’d end up with, say, 50 shares in our compilation album, which we bought for £1 each in our pretend world. So our fund would be worth £50. And we might sell 50 units to people for £1 each. "}],"markDefs":[],"style":"normal"},{"_key":"786bce77dbb8","_type":"block","children":[{"_key":"da65bc2f373e","_type":"span","marks":[],"text":"The benefit is that for a small investment of just £1, our investors would have a teeny fraction of an investment in 50 different British companies. And we would run and manage this pool of investments for you - so no need to get the calculator out and crunch any numbers!"}],"markDefs":[],"style":"normal"},{"_key":"985ff58d82e6","_type":"block","children":[{"_key":"2ad32b5454aa","_type":"span","marks":[],"text":"There are thousands of funds out there, all with different flavours, and they're among the best ways to get expert help on picking the right investments."}],"markDefs":[],"style":"normal"},{"_key":"362c2e7dfc09","_type":"block","children":[{"_key":"d766349dbf40","_type":"span","marks":[],"text":""},{"_key":"364cd3c1e445","_type":"mainAnchor","pageAnchor":{"_ref":"a5632083-6993-47e2-9bc1-07d0a86ad84c","_type":"reference"}},{"_key":"0a68034d99f40","_type":"span","marks":[],"text":"The three main fund structures "}],"markDefs":[],"style":"h2"},{"_key":"4b7b2b21499a","_type":"block","children":[{"_key":"5d8b72478bbb","_type":"span","marks":[],"text":""},{"_key":"e02338579d1e","_type":"mainAnchor","pageAnchor":{"_ref":"bcd041ed-8ed5-4fc7-8abd-21ee28def30c","_type":"reference"}},{"_key":"6c2a9ecc53f30","_type":"span","marks":[],"text":"1. Mutual fund – also known as an open-ended fund, OEIC or UCITS fund"}],"markDefs":[],"style":"h3"},{"_key":"3460d916f7b2","_type":"block","children":[{"_key":"0325a805ebd40","_type":"span","marks":[],"text":"A mutual fund combines money from multiple investors, which a professional manager invests according to the fund’s goals, such as growth or income, often focusing on specific sectors like European stocks or technology. Being “open-ended,” the fund can adjust its shares based on investor activity, with its value matching the combined value of its holdings. Investors can monitor performance daily through services like Morningstar, comparing it to similar funds or benchmarks like the FTSE All Share for UK funds."}],"markDefs":[],"style":"normal"},{"_key":"9f8832eee9c7","_type":"block","children":[{"_key":"b0249a4aa624","_type":"span","marks":[],"text":""},{"_key":"777c7f3bd35c","_type":"mainAnchor","pageAnchor":{"_ref":"b8467767-7e11-4c31-bea1-aa9f5262781c","_type":"reference"}},{"_key":"6722e89ace4a","_type":"span","marks":[],"text":"2. ETF – or exchange-traded fund"}],"markDefs":[],"style":"h3"},{"_key":"ac1f21c74e0a","_type":"block","children":[{"_key":"189a0849a0f50","_type":"span","marks":[],"text":"ETFs, or Exchange-Traded Funds, are investment funds that provide low-cost, diversified access to various markets, similar to mutual funds. Unlike mutual funds, ETFs trade on stock exchanges, with their prices fluctuating throughout the day based on supply and demand. ETFs often aim to track specific assets, like major stock indices (e.g., S&P 500), commodities, or even currencies. They can be structured using \"physical\" methods (owning a bit of each asset in the index) or \"synthetic\" methods (using derivatives to mimic asset performance). ETFs can also offer leveraged or inverse options to enhance potential gains or bet against an asset's price. They are generally affordable, easy to trade, and flexible for various investment strategies."}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"6add2d498f76","_type":"block","children":[{"_key":"14d23d4bf09a","_type":"span","marks":["strong"],"text":"Discover more about ETFs and how they work"}],"markDefs":[],"style":"normal"}],"_key":"090c0fe4bbd4","_type":"ctaWidget","reference":{"_ref":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"reference"},"text":"ETF HUB"},{"_key":"3734671b2a32","_type":"block","children":[{"_key":"ebc0f19e9b3d0","_type":"span","marks":[],"text":"3. Investment Trusts"}],"markDefs":[],"style":"h3"},{"_key":"47687a68ef20","_type":"block","children":[{"_key":"22745b29c849","_type":"span","marks":[],"text":"Investment trusts are publicly listed companies that pool investors' money to buy shares, bonds, or other assets like property. Managed by a board that oversees the fund manager, they operate as \"closed-ended\" funds, meaning they don’t need to buy or sell assets as investors come and go. This structure suits less liquid investments, and they can also save income from strong years to pay out in weaker ones, offering a steadier return. Investors can buy shares at market prices, sometimes below the actual asset value, and have many options for building a diverse portfolio. 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The two most common assets are bonds and shares, but what actually are they?"}],"markDefs":[],"style":"normal"},{"_key":"112a4d6cbc9f","_type":"block","children":[{"_key":"c6616cbb00f7","_type":"span","marks":[],"text":"What is a bond?"}],"markDefs":[],"style":"h3"},{"_key":"55297b26fffd","_type":"block","children":[{"_key":"f9ec30e1d7d7","_type":"span","marks":[],"text":"Owning a bond is kind of getting an IOU from a government or a company – you buy their bond and you’re lending them money. The dicier the prospect of getting your cash back, the more ‘interest’ they will pay you to compensate for the risk. So an Ecuadorian mining company bond would pay a gazillion times more than the relatively staid UK government, for example. It’s a riskier loan so they’ll compensate you more for taking this extra risk. "}],"markDefs":[],"style":"normal"},{"_key":"ad246f1d9a03","_type":"block","children":[{"_key":"d33daf52853b","_type":"span","marks":[],"text":"Bonds are influenced by interest rates, so they’re behaving a bit weirdly at the moment. If you lend the UK government money for 10 years, they’ll pay you about 4% (at the time of writing). And inflation is hovering around the 10% mark. So you’ll see why bonds are paying attractive rates at the moment - the UK economy is currently grappling with the risk of high inflation!"}],"markDefs":[],"style":"normal"},{"_key":"66a2cb7a79bb","_type":"block","children":[{"_key":"f67dc90952da","_type":"span","marks":[],"text":"What is a share?"}],"markDefs":[],"style":"h3"},{"_key":"42ec8b2bfea7","_type":"block","children":[{"_key":"d7677c521ef0","_type":"span","marks":[],"text":"Shares are also known as ‘equities’ or ‘stocks’. If you own shares, you buy little pieces of the world’s biggest companies. And tie your fortunes to theirs. It's these shares that make up the majority of most funds. "}],"markDefs":[],"style":"normal"},{"_key":"87391d64e98f","_type":"block","children":[{"_key":"50f803a42246","_type":"span","marks":[],"text":"As a rule of thumb, most ‘equity’ focused funds will have about 40-60 shares in them, although some fund managers have fewer, sticking to their convictions more about which shares are duds and which ones are winners. "}],"markDefs":[],"style":"normal"},{"_key":"230865d11ff5","_type":"block","children":[{"_key":"81251b61e60c","_type":"span","marks":[],"text":"Shares are also one of the few investments where you can get a decent income. Companies often pay out a share of their profits as dividends. The key is to look for an ‘equity income’ fund. Pick the right one and you could get an income of around 3-4% a year!"}],"markDefs":[],"style":"normal"},{"_key":"06e377758cad","_type":"block","children":[{"_key":"d4019195a987","_type":"span","marks":[],"text":"The balance between bonds and shares"}],"markDefs":[],"style":"h3"},{"_key":"46cf69523ea8","_type":"block","children":[{"_key":"d519404d9cb6","_type":"span","marks":[],"text":"Many suggest diversifying, which means a sort-of Combo Meal of bonds "},{"_key":"a61d5d5863e0","_type":"span","marks":["em"],"text":"and "},{"_key":"2e722c7e508b","_type":"span","marks":[],"text":"shares. Over the long-term, bonds are usually seen as safer and less choppy than shares, but many believe they will make you less over the long-run too. On the other hand, the stock market can potentially make you profit over the longer-term, but can come with significant short-term risk."}],"markDefs":[],"style":"normal"},{"_key":"c973c0042a75","_type":"block","children":[{"_key":"c0025ecc2c48","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c1f67febb327","_type":"prosConsWidget","pros":["You're nearing retirement age","You're not keen on stock market risk"],"prosTitle":"BONDS are better for you if"},{"_key":"e27629a359a2","_type":"block","children":[{"_key":"e48f0db1ddad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a30ea1e3729e","_type":"prosConsWidget","pros":["You can tolerate the concept of stock market risk","You've got lots of time before you need to access your cash"],"prosTitle":"SHARES are better for you if"},{"_key":"03b6c39b6bf2","_type":"block","children":[{"_key":"1ee6f1df4158","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ed118f277297","_type":"block","children":[{"_key":"e3ed41cc210b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c4556aebdc3","_type":"block","children":[{"_key":"59b8e9cbba60","_type":"span","marks":[],"text":"As a general rule of thumb, if you’re a spring chicken and investing for ages in the future, you should probably look at "},{"_key":"0f04bd6e7f43","_type":"span","marks":["em"],"text":"mostly "},{"_key":"0a524dc1e267","_type":"span","marks":[],"text":"shares. If you’re getting on and likely to need your money soon, people typically prefer bonds because they’re less likely to crash as dramatically as shares, leaving you high and dry if you need to cash in your investments. "}],"markDefs":[],"style":"normal"},{"_key":"c44bbef6d561","_type":"block","children":[{"_key":"e1b0274abca3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f871776e39d7","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "},"text":[{"_key":"dc826f13da73","_type":"block","children":[{"_key":"92f0eb6df824","_type":"span","marks":["strong"],"text":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "}],"markDefs":[],"style":"normal"}]},{"_key":"f7d5fb36fe0f","_type":"block","children":[{"_key":"db6952c70b24","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19431081595a","_type":"block","children":[{"_key":"6e263f6e0c3f","_type":"span","marks":[],"text":""},{"_key":"394165043e4a","_type":"mainAnchor","pageAnchor":{"_ref":"f0e25e55-88ef-4bd3-96fb-2ea766606d57","_type":"reference"}},{"_key":"d81d41f1e8ee1","_type":"span","marks":[],"text":"Active vs passive"}],"markDefs":[],"style":"h2"},{"_key":"97fd1b6cacb5","_type":"block","children":[{"_key":"b1149c8e019a","_type":"span","marks":[],"text":"Another couple of phrases you'll often see when investing in funds is 'active' and 'passive', but as the world of finance is renowned for being full of jargon, no one ever seems to explain what these are! Here's what they actually mean and why they matter when deciding on the right fund for you."}],"markDefs":[],"style":"normal"},{"_key":"4f4328ace20e","_type":"block","children":[{"_key":"267b07472f39","_type":"span","marks":[],"text":"What is an active fund?"}],"markDefs":[],"style":"h3"},{"_key":"965f3e1b9c85","_type":"block","children":[{"_key":"7e7c85ce1d910","_type":"span","marks":[],"text":"Most funds in the market are what we call ‘active’. An active fund manager, by definition, thinks he or she is smarter than the average investor. A clever clogs. They think they can spot a bargain. Spot the dog before others. Identify the region that is about to go belly-up. So they pick and choose. If you buy an active fund which invests in shares, you'll usually pay a fee to the fund manager of about 75p-95p for every £100 you entrust to them. "}],"markDefs":[],"style":"normal"},{"_key":"dd074314f1cf","_type":"block","children":[{"_key":"e2405d675768","_type":"span","marks":[],"text":"What is a passive fund?"}],"markDefs":[],"style":"h3"},{"_key":"b9d2cd328e0c","_type":"block","children":[{"_key":"9da255300335","_type":"span","marks":[],"text":"Passive funds, on the other hand, are devoid of ego and opinion. They're the well-behaved end of the fund market. No one makes a call on whether Share A is better than Share B. They simply follow what we call an index - or a list of shares or bonds in any given market. They buy them in proportion to their size and no judgement calls are made. If you buy a passive fund which invests in shares, you'll usually pay a fee to the fund manager of about 8-12p for every £100 you entrust to them. It’s a lot cheaper because it’s run by a computer, rather than an expensive human. "}],"markDefs":[],"style":"normal"},{"_key":"365e8264db90","_type":"block","children":[{"_key":"faa5a312feb3","_type":"span","marks":[],"text":"How to decide between active vs passive funds"}],"markDefs":[],"style":"h3"},{"_key":"b8221aa671cb","_type":"block","children":[{"_key":"4799dbdc92b40","_type":"span","marks":[],"text":"There are pros and cons to each approach. Passive funds will tend to be cheaper and have performed well over much of the past decade as a result of strong performance from the technology giants (which form a large share of most capitalisation-weighted indices). However, they can have certain biases – the MSCI World has a 70%+ weighting to the US[2],  for example. Equally, bond indices can have higher weights in companies that have issued the most bonds – i.e. the most indebted. This can increase risk."}],"markDefs":[],"style":"normal"},{"_key":"611ac6f8c648","_type":"block","children":[{"_key":"d022771f72c90","_type":"span","marks":[],"text":"With active funds, there tends to be extremes. Some fund managers will be very successful and deliver better returns than the wider market, while others will find their analysis doesn’t pay off. Investors need to be willing to take a risk on the manager’s skill."}],"markDefs":[],"style":"normal"},{"_key":"c39c65e3ba8a","_type":"block","children":[{"_key":"3c62d7c5ecdd","_type":"span","marks":[],"text":"The jury is out on which is best, but passive funds will inherently return the average of any market. Some active funds will go further and smash it – but others will underperform and charge you for the privilege! So it depends on your risk appetite, among other things. Happy to sit back and copy what the markets do? Passive is for you. Want to leave it to the experts to crunch the numbers and try to outperform? Then try active.\n"}],"markDefs":[],"style":"normal"},{"_key":"ad85bfad7fcf","_type":"block","children":[{"_key":"3d022ec4e243","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"769a3bdcb210","_type":"emailSignupWidget","brazeSubscriptionGroupId":"80bb057b-016f-4c60-8fed-bc2199e56dc7","brazeSubscriptionRef":{"_ref":"75cfa314-bcb6-4835-9c3d-28febc21b8d6","_type":"reference"},"image":{"_type":"mainImage","alt":"Sign up here!"},"paragraphText":"Get the best-performing funds, market commentary and jargon free insight delivered straight to your inbox every month. 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They’re essentially ready-made bundles of investments that you can buy and sell on the stock market, just like individual "},{"_key":"5bc7ac0a04d6","_type":"span","marks":["d5816dc1df3f"],"text":"shares"},{"_key":"aeb50cd97422","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"d5816dc1df3f","_type":"glossaryPick","reference":{"_ref":"8d6a1c1c-dff0-4e47-bfdd-3750fc95e921","_type":"reference"}}],"style":"normal"},{"_key":"6ab85cbebab0","_type":"block","children":[{"_key":"07e8395398ec","_type":"span","marks":[],"text":"Instead of trying to pick a bunch of winning companies yourself, an ETF gives you instant access to a whole market or theme in one go. Think of it like a playlist of the Top 40 – no favourites, just a mix of the biggest names in a particular index or sector."}],"markDefs":[],"style":"normal"},{"_key":"1ceb43a32660","_type":"block","children":[{"_key":"96f8ca156efc","_type":"span","marks":[],"text":"Many popular ETFs "},{"_key":"0850ca2b4022","_type":"span","marks":["fafd2e21dbe2"],"text":"passively"},{"_key":"ce3c7c5dbf5c","_type":"span","marks":[],"text":" track well-known stock market indices, like the "},{"_key":"02b55600cbf4","_type":"span","marks":["20ba425f3599"],"text":"S&P 500"},{"_key":"f50e19f21248","_type":"span","marks":[],"text":", to give you broad exposure for a low cost. 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This helps spread your risk, so you’re not overly reliant on the success of one company or region."}],"markDefs":[{"_key":"fa061852d70f","_type":"glossaryPick","reference":{"_ref":"4e600be7-9819-47d4-9ee6-de4019f8a10e","_type":"reference"}},{"_key":"8e75e3f2711c","_type":"glossaryPick","reference":{"_ref":"bbd21391-fb19-4ae7-9dd4-03e45b9ff515","_type":"reference"}},{"_key":"b316985c0945","_type":"glossaryPick","reference":{"_ref":"ffc3cd50-c9a6-4e8a-ae48-94a9f8ee2717","_type":"reference"}},{"_key":"b622e5c67b29","_type":"glossaryPick","reference":{"_ref":"ea467285-7d48-4093-b16e-76d3f8a95fc1","_type":"reference"}}],"style":"normal"},{"_key":"dd219d2cecbe","_type":"block","children":[{"_key":"0f730175fc32","_type":"span","marks":[],"text":""},{"_key":"a8f8ba6c722b","_type":"mainAnchor","pageAnchor":{"_ref":"b0ab7f9a-0fa8-4687-9b83-3ef5a0587973","_type":"reference"}},{"_key":"3c407d2db4e7","_type":"span","marks":[],"text":"✅ Low fees"}],"markDefs":[],"style":"h3"},{"_key":"a46b82ca88ed","_type":"block","children":[{"_key":"5d46b372571a","_type":"span","marks":[],"text":"Another key advantage is cost. Most ETFs are "},{"_key":"0b9b2b9e9dff","_type":"span","marks":["b8b50be98d3d"],"text":"passive"},{"_key":"8e8bd2189660","_type":"span","marks":[],"text":" investments, meaning they track a market index like the FTSE 100 or the S&P 500. Because there’s no "},{"_key":"3fb2be3b173c","_type":"span","marks":["2c913a83b466"],"text":"fund manager"},{"_key":"71d59e13e338","_type":"span","marks":[],"text":" picking stocks, fees are typically lower than actively managed funds. Lower costs mean more of your money stays invested and has the chance to grow over time. "},{"_key":"6c2c67071a58","_type":"span","marks":["856a5e29c1e0"],"text":"Actively managed "},{"_key":"cd0fe0297710","_type":"span","marks":[],"text":"ETFs do exist, but the majority available to UK investors are passive."}],"markDefs":[{"_key":"b8b50be98d3d","_type":"glossaryPick","reference":{"_ref":"c1ebf065-a9a0-4501-b78b-4f8f534e09a7","_type":"reference"}},{"_key":"856a5e29c1e0","_type":"glossaryPick","reference":{"_ref":"7842521c-6418-420e-9da3-e0906c64276b","_type":"reference"}},{"_key":"2c913a83b466","_type":"glossaryPick","reference":{"_ref":"52cb8779-f204-4e14-b5e9-c3bb3cf56993","_type":"reference"}}],"style":"normal"},{"_key":"3249e59424ed","_type":"block","children":[{"_key":"2c68ddd62deb","_type":"span","marks":[],"text":""},{"_key":"7f227bfb5410","_type":"mainAnchor","pageAnchor":{"_ref":"a4b43d5c-a5a5-4255-ae01-b959a3dd0ab9","_type":"reference"}},{"_key":"3062eaa63ad1","_type":"span","marks":[],"text":"✅ Easy to understand"}],"markDefs":[],"style":"h3"},{"_key":"37f50b1fc7f3","_type":"block","children":[{"_key":"d1204dacf593","_type":"span","marks":[],"text":"ETFs are also easy to buy and sell, since they’re traded on stock exchanges just like individual shares. You can invest through most major platforms or "},{"_key":"3a71dea0a54d","_type":"span","marks":["69cea6ea0437"],"text":"ISAs"},{"_key":"dc7b102e6944","_type":"span","marks":[],"text":" with a few clicks. Their transparency, simplicity, and low barrier to entry make them an ideal choice for beginner investors, those building a long-term portfolio, or anyone looking for a low-maintenance way to invest."}],"markDefs":[{"_key":"69cea6ea0437","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"},{"_key":"fba220811ee1","_type":"block","children":[{"_key":"251b3ab91b42","_type":"span","marks":[],"text":""},{"_key":"637f55890428","_type":"mainAnchor","pageAnchor":{"_ref":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"reference"}},{"_key":"394c78b910a7","_type":"span","marks":[],"text":"The cons of investing in ETFs"}],"markDefs":[],"style":"h2"},{"_key":"6fd746bca917","_type":"block","children":[{"_key":"c87d84ab8ed8","_type":"span","marks":[],"text":""},{"_key":"2a9231654e6b","_type":"mainAnchor","pageAnchor":{"_ref":"b0bf4eec-56c9-4216-a97b-9be7a3a35527","_type":"reference"}},{"_key":"37a31be65391","_type":"span","marks":[],"text":"❌ You can’t pick and choose"}],"markDefs":[],"style":"h3"},{"_key":"10435ab41deb","_type":"block","children":[{"_key":"db1c754fe0e3","_type":"span","marks":[],"text":"While ETFs are a great tool for many investors, they’re not without their downsides. One issue is lack of flexibility. Because ETFs typically track an index, you have no control over the individual companies included. If a sector you don’t support (like fossil fuels or tobacco) is heavily represented in a broad market ETF, there’s not much you can do about it. This can be a drawback for "},{"_key":"6c28ef491aaf","_type":"span","marks":["5aab59721fc3"],"text":"ethical"},{"_key":"370dd1259229","_type":"span","marks":[],"text":" investors who want to align their portfolio with their values."}],"markDefs":[{"_key":"5aab59721fc3","_type":"glossaryPick","reference":{"_ref":"5cb1800e-1555-43a2-83d8-bd1d19a586fe","_type":"reference"}}],"style":"normal"},{"_key":"7a60017a89b5","_type":"block","children":[{"_key":"6b38641ab2cc","_type":"span","marks":[],"text":""},{"_key":"bb505b264510","_type":"mainAnchor","pageAnchor":{"_ref":"cd10a6ae-7510-4135-8400-f12ba04fda3d","_type":"reference"}},{"_key":"7dd65ce281b4","_type":"span","marks":[],"text":"❌ Beware of owning too many"}],"markDefs":[],"style":"h3"},{"_key":"1728bd5cc2c2","_type":"block","children":[{"_key":"b1bfa84f2454","_type":"span","marks":[],"text":"Another thing to watch out for is over-diversification or “diworsification.” Some investors load up on lots of ETFs without realising there’s significant overlap between the "},{"_key":"e2c6c9e2e9bf","_type":"span","marks":["46e65d891c29"],"text":"underlying"},{"_key":"4b9bd5e1f275","_type":"span","marks":[],"text":" assets. For example, if you own a global ETF and a US-focused ETF, you might be doubling up on the same stocks. It’s important to understand what’s actually inside your ETFs to avoid unintended risk or redundancy."}],"markDefs":[{"_key":"46e65d891c29","_type":"glossaryPick","reference":{"_ref":"cb2d54a5-51bd-4510-96c6-badad138eff7","_type":"reference"}}],"style":"normal"},{"_key":"e3bd9ee6ecec","_type":"block","children":[{"_key":"14bac8b5c670","_type":"span","marks":[],"text":""},{"_key":"648c01633d9c","_type":"mainAnchor","pageAnchor":{"_ref":"34c4bdaa-bb71-424f-972c-c0de69e9f1df","_type":"reference"}},{"_key":"f41184660529","_type":"span","marks":[],"text":"❌ Still rise and fall with the market"}],"markDefs":[],"style":"h3"},{"_key":"e295c312435d","_type":"block","children":[{"_key":"ef70c1df0055","_type":"span","marks":[],"text":"Finally, while many ETFs are passive by design, that doesn’t mean they’re completely safe or immune to market crashes. If the market an ETF tracks drops, so will your investment. You’re accepting market returns – for better or worse. ETFs are a great foundation, but they’re not a silver bullet for investment success."}],"markDefs":[],"style":"normal"},{"_key":"95b1fcdbdfe9","_type":"block","children":[{"_key":"5f0da20db839","_type":"span","marks":[],"text":""},{"_key":"764983d86d97","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"81e7b973b1d5","_type":"span","marks":[],"text":"Top questions on ETFs"}],"markDefs":[],"style":"h2"},{"_key":"a181b5533fdb","_type":"block","children":[{"_key":"e98d4b06806c","_type":"span","marks":[],"text":""},{"_key":"a6126a3aa223","_type":"mainAnchor","pageAnchor":{"_ref":"9f5319b0-7128-4672-9d72-529aa7f21814","_type":"reference"}},{"_key":"64cb416ca8380","_type":"span","marks":[],"text":"How much do ETFs cost?"}],"markDefs":[],"style":"h3"},{"_key":"fc122a15382d","_type":"block","children":[{"_key":"7884beb22fb0","_type":"span","marks":[],"text":"ETFs trade on stock exchanges just like individual shares, which means you buy and sell them on online investment platforms. You will often be charged a commission on each buy or sell transaction."}],"markDefs":[],"style":"normal"},{"_key":"c502aabc7234","_type":"block","children":[{"_key":"dadf564d0a4b","_type":"span","marks":[],"text":"ETFs themselves usually have an annual "},{"_key":"1443cc198b51","_type":"span","marks":["89cfe4ee3312"],"text":"management fee"},{"_key":"0156aa55050c","_type":"span","marks":[],"text":", which is typically quite low - especially for large, well-known ETFs that track broad indices. However, more niche ETFs may charge slightly higher fees due to their specific focus. "}],"markDefs":[{"_key":"89cfe4ee3312","_type":"glossaryPick","reference":{"_ref":"639ead5f-b190-4b44-bc4f-805ab4d8fcf4","_type":"reference"}}],"style":"normal"},{"_key":"481a8c10a10d","_type":"block","children":[{"_key":"8658e29d1d86","_type":"span","marks":[],"text":"Another cost to consider is the "},{"_key":"253b1edbd313","_type":"span","marks":["7f92891a603e"],"text":"bid-ask spread"},{"_key":"8f784cbe584c","_type":"span","marks":[],"text":", which is the difference between the price at which a platform is willing to buy and sell the ETF – this is similar to a "},{"_key":"1ea37f15d05e","_type":"span","marks":["76b31858e487"],"text":"currency exchange"},{"_key":"45faed2a72af","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"7f92891a603e","_type":"glossaryPick","reference":{"_ref":"acfdf9ca-55f2-4ccd-8aee-3201a6153b7b","_type":"reference"}},{"_key":"76b31858e487","_type":"glossaryPick","reference":{"_ref":"c45b581e-8764-40ef-8780-ef02845ed5fc","_type":"reference"}}],"style":"normal"},{"_key":"7104cc654d2a","_type":"block","children":[{"_key":"a069bc4adb27","_type":"span","marks":[],"text":"In terms of "},{"_key":"2d94f54238dd","_type":"span","marks":["7648f8a791df"],"text":"transaction fees"},{"_key":"182bc4de1ace","_type":"span","marks":[],"text":", they will range from being free up to  £11.95 per trade depending on the platform you are investing on. If you’re making regular contributions to your ETF, these costs can add up over time, so it’s essential to keep an eye on fees - especially if you’re investing small amounts frequently."}],"markDefs":[{"_key":"7648f8a791df","_type":"glossaryPick","reference":{"_ref":"af4eb285-d6ee-484f-89ac-d776bbfcb0c5","_type":"reference"}}],"style":"normal"},{"_key":"6975d7bc829f","_type":"block","children":[{"_key":"2f25377ef185","_type":"span","marks":[],"text":""},{"_key":"743052052ddb","_type":"mainAnchor","pageAnchor":{"_ref":"043c4d3a-e208-4710-92d6-2a77330c0be0","_type":"reference"}},{"_key":"6348fbed8524","_type":"span","marks":[],"text":"Active vs passive ETFs"}],"markDefs":[],"style":"h3"},{"_key":"71cf2ab6ddd4","_type":"mainImage","asset":{"_ref":"image-7ca3e9317480168a1de35cfa1a4a9b3f6249f78e-1920x1080-png","_type":"reference"},"blankAltTag":true},{"_key":"397cdc9d2c24","_type":"block","children":[{"_key":"afae1c0135fa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ef4fc8c4ec3","_type":"block","children":[{"_key":"80803ed8ed2d","_type":"span","marks":[],"text":"The active vs passive debate is central to investing in ETFs. "}],"markDefs":[],"style":"normal"},{"_key":"fcc7ca1029b0","_type":"block","children":[{"_key":"d36caa331723","_type":"span","marks":[],"text":"A passive ETF tracks an index and aims to mirror its performance. This type of fund is cost-effective because there’s no need for an active fund manager to make investment decisions. While you won’t outperform the market, you’ll capture its returns at a low cost. Passive ETFs are great for investors who prefer a hands-off approach, and they provide broad exposure to various markets. However, you may end up owning companies or sectors that are underperforming."}],"markDefs":[],"style":"normal"},{"_key":"39b56cc28e27","_type":"block","children":[{"_key":"45bf65d5b435","_type":"span","marks":[],"text":"On the other hand, active ETFs involve fund managers selecting stocks with the goal of outperforming the index. These ETFs typically come with higher fees, as you're paying for the expertise of the manager. However, they could deliver higher returns if the manager makes smart picks. One thing to note: active managers often closely track the index to reduce risk, meaning their performance may not actually differ much from a passive strategy."}],"markDefs":[],"style":"normal"},{"_key":"3919761790f3","_type":"block","children":[{"_key":"6802e895452b","_type":"span","marks":[],"text":"If you're drawn to"},{"_key":"1222aa85e45a","_type":"span","marks":["df5690228e1c"],"text":" sustainable investing"},{"_key":"86b8927a6d8d","_type":"span","marks":[],"text":", active managers often have more flexibility to incorporate "},{"_key":"3487e95a3dc6","_type":"span","marks":["eae5e5481ca8"],"text":"environmental, social, and governance (ESG) "},{"_key":"8eba70cf1f85","_type":"span","marks":[],"text":"criteria into their investment decisions. So active ETFs may be a better option for investors who want to tailor their portfolios to specific values."}],"markDefs":[{"_key":"df5690228e1c","_type":"internalLinkPick","reference":{"_ref":"2635d13e-e79d-414d-80f5-86b565565227","_type":"reference"}},{"_key":"eae5e5481ca8","_type":"glossaryPick","reference":{"_ref":"a7d1841d-cfd3-4151-93ce-43daaf05f1e6","_type":"reference"}}],"style":"normal"},{"_key":"5626169115c5","_type":"block","children":[{"_key":"6d9656e55dae","_type":"span","marks":[],"text":""},{"_key":"9434f621ede7","_type":"mainAnchor","pageAnchor":{"_ref":"9d6b3b86-20cb-42ed-be57-39b5c31ebac1","_type":"reference"}},{"_key":"87fd1f0ee3300","_type":"span","marks":[],"text":"ETF market price vs NAV"}],"markDefs":[],"style":"h3"},{"_key":"df30e052414b","_type":"block","children":[{"_key":"6671df8b4f7a","_type":"span","marks":[],"text":"An important thing to understand when investing in ETFs is that their market price doesn’t always match their"},{"_key":"c70a6f382360","_type":"span","marks":["bc65bd6db096"],"text":" Net Asset Value (NAV)"},{"_key":"a651f663bd20","_type":"span","marks":[],"text":". "}],"markDefs":[{"_key":"bc65bd6db096","_type":"glossaryPick","reference":{"_ref":"fed61c02-3002-4768-9374-16377d6a555f","_type":"reference"}}],"style":"normal"},{"_key":"796eb49b3bd8","_type":"block","children":[{"_key":"fcf3345e3510","_type":"span","marks":[],"text":"ETFs trade on the stock exchange, so their prices are influenced by supply and demand – just like individual stocks. Ideally, the market price should reflect the NAV, but it doesn’t always happen. If there’s high demand for a particular ETF, its market price can trade at a premium (higher) to the NAV, and if there’s little interest, it can trade at a discount (lower)."}],"markDefs":[],"style":"normal"},{"_key":"01a9ae08d825","_type":"block","children":[{"_key":"05bfc6a06892","_type":"span","marks":[],"text":"This discrepancy is more common with niche or less "},{"_key":"dde4c707f5fd","_type":"span","marks":["6b0f00e2d964"],"text":"liquid"},{"_key":"74733ca41f02","_type":"span","marks":[],"text":" ETFs (such as real estate), as larger, more popular ETFs with high trading volumes tend to stay closer to their NAV. 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You might see, for example, ready-made portfolios called ‘Cautious’ (low risk), ‘Balanced’ (medium risk) or ‘Adventurous’ (high risk). You may also come across alternative names like ‘Defensive’, ‘Conservative’ or ‘Growth’. "}],"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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When you buy a bond (or a piece of the bond), you’re lending your money to this “issuer”. In exchange, the issuer promises to pay the bondholder (that’s you) a fixed interest payment at regular intervals until the loan matures (when you will get back a known amount which is the ‘face value’)."}],"markDefs":[],"style":"normal"},{"_key":"62229e83718a","_type":"block","children":[{"_key":"208519fd7a7a","_type":"span","marks":[],"text":"Therefore, you can think of a bond like an IOU – you lend the issuer money, and they pay you ‘interest’ on a regular basis until a pre-agreed date when they pay you a specified sum of money."}],"markDefs":[],"style":"normal"},{"_key":"96ac0f65ce2a","_type":"block","children":[{"_key":"53400c3f58bc","_type":"span","marks":[],"text":""},{"_key":"37864ea28904","_type":"mainAnchor","pageAnchor":{"_ref":"dfe27455-bfae-4948-b858-040213000740","_type":"reference"}},{"_key":"ed552990e93d0","_type":"span","marks":[],"text":"What are bonds?"}],"markDefs":[],"style":"h2"},{"_key":"46e4551e07ca","_type":"block","children":[{"_key":"8e9517773203","_type":"span","marks":[],"text":"Think of bonds like an investment which pays a regular ‘interest rate’ for as long as you hold it, as well as giving you the chance to make a profit on the money you invest. Unlike stocks, which can fluctuate in value rapidly, bonds will typically offer a relatively ‘predictable’ income stream, making them a good option for more risk-averse investors seeking stability."}],"markDefs":[],"style":"normal"},{"_key":"84de67b46e34","_type":"block","children":[{"_key":"3a75273af740","_type":"span","marks":[],"text":"The volatility of a bond price depends on who you are loaning the money to. If it’s the UK government, it’s typically a sedate and predictable journey. If it’s a mining company in Latin America, you should prepare for a much more volatile journey."}],"markDefs":[],"style":"normal"},{"_key":"41c6b2f45440","_type":"block","children":[{"_key":"b05c24e742b6","_type":"span","marks":[],"text":"This is why government bonds typically make up a large proportion of pension funds, particularly for those who are closer to retirement age and thus need their pension to be invested in lower-risk products."}],"markDefs":[],"style":"normal"},{"_key":"d6614f8bba0b","_type":"block","children":[{"_key":"872c6cbfe99d","_type":"span","marks":[],"text":""},{"_key":"003b1400dbd3","_type":"mainAnchor","pageAnchor":{"_ref":"7143fd03-16f0-4229-a431-82283be9b288","_type":"reference"}},{"_key":"f1224b170f560","_type":"span","marks":[],"text":"How do bonds work?"}],"markDefs":[],"style":"h2"},{"_key":"2f3e330d3372","_type":"block","children":[{"_key":"96bcdb4d8383","_type":"span","marks":[],"text":""},{"_key":"acb2391f7114","_type":"mainAnchor","pageAnchor":{"_ref":"ae0ce2cd-ee6c-4b2d-9caf-6ecaa338dfb6","_type":"reference"}},{"_key":"40091b6993f40","_type":"span","marks":[],"text":"Who issues a bond?"}],"markDefs":[],"style":"h3"},{"_key":"565d809b383b","_type":"block","children":[{"_key":"db75d5da7276","_type":"span","marks":[],"text":"When a government or a business decides it needs to raise money, one of the avenues it might take is to issue a bond. The bond specifies the “maturity” date (when the loan is repaid), the “coupon” (interest rate) paid periodically, and the “denomination” (face value) of the bond."}],"markDefs":[],"style":"normal"},{"_key":"38457353d605","_type":"block","children":[{"_key":"5c46a1e31e90","_type":"span","marks":[],"text":""},{"_key":"5b0c3697fae8","_type":"mainAnchor","pageAnchor":{"_ref":"a7cac4b7-a55c-4d8c-b076-8219b497fffe","_type":"reference"}},{"_key":"f002b0d984350","_type":"span","marks":[],"text":"How do bonds pay interest?"}],"markDefs":[],"style":"h3"},{"_key":"7d966bfb9662","_type":"block","children":[{"_key":"37dae7ca5e6c","_type":"span","marks":[],"text":"The exact monetary value of the coupon you receive from a bond is called the “yield” and typically correlates to how risky the loan is determined to be."}],"markDefs":[],"style":"normal"},{"_key":"91d66d962184","_type":"block","children":[{"_key":"1df18ea7fc91","_type":"span","marks":[],"text":"Let’s imagine someone wanted to borrow a grand from you. How much would you want in return for making that loan? It depends how reliable or trustworthy they are. How risky it is, as well as how long they want to borrow it for. In other words, how “creditworthy” they seem to you."}],"markDefs":[],"style":"normal"},{"_key":"5388a9ac1b0e","_type":"block","children":[{"_key":"cf5870d6f45b","_type":"span","marks":[],"text":"The same principles apply in the world of bonds. If we lend money to the UK government, for example, you might have more faith that they will keep up with their interest payments and repay you in full than if you lent money to a copper producer in the Democratic Republic of Congo. So a UK government bond would typically pay lower interest than the “riskier” copper producer one, for example."}],"markDefs":[],"style":"normal"},{"_key":"71d4560d2d56","_type":"block","children":[{"_key":"457db07707e3","_type":"span","marks":[],"text":"This is why government bonds (often called “gilts” if they're issued by the UK government or \"Treasuries\" if they're issued by the US government) usually pay less (or have a lower yield) than various corporate bonds – in return for giving you a less hernia-inducing path."}],"markDefs":[],"style":"normal"},{"_key":"f619482b3fbf","_type":"block","children":[{"_key":"4a4abac90009","_type":"span","marks":[],"text":"Bond yields move inversely to bond prices. That is, the lower the yield (or ‘interest’ paid) , the higher the price of the bond is. Let’s walk through an actual example to explain how this all works."}],"markDefs":[],"style":"normal"},{"_key":"20b16b0c1152","_type":"block","children":[{"_key":"9f79cc0082e3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a28d95e21455","_type":"textboxWidget","text":[{"_key":"8599fdf492a4","_type":"block","children":[{"_key":"4da4917d5205","_type":"span","marks":[],"text":"Let's assume a bond issued by the UK government (so, a ‘gilt’). Let's also assume it would cost 97.26p to buy. The bond is called Treasury 0.125% 30/01/2026. This means it pays investors an ‘interest rate’, or ‘coupon’, of 0.125%. "}],"markDefs":[],"style":"normal"},{"_key":"f54c13e08686","_type":"block","children":[{"_key":"a9bc4738b626","_type":"span","marks":[],"text":"However, people will mostly buy this for the increase in value, rather than the interest paid."}],"markDefs":[],"style":"normal"},{"_key":"63059e105655","_type":"block","children":[{"_key":"31a5a3e313f7","_type":"span","marks":[],"text":"We know that it will mature on the 30th January in 2026. For its ‘face value’ of 100p. Or £1. So we know for certain that we can spend 97.26p today and get back £1 at the end of January 2026. "}],"markDefs":[],"style":"normal"},{"_key":"952bca830e4b","_type":"block","children":[{"_key":"66fc8064d680","_type":"span","marks":[],"text":"In other words, you will make 2.74p for every 97.26p you invest, over the period in question. And because this gain is a capital gain and not interest, and because it is held in a government bond, that gain is tax-free. "}],"markDefs":[],"style":"normal"},{"_key":"5f3464315ceb","_type":"block","children":[{"_key":"eeab95d5b301","_type":"span","marks":[],"text":"This largely explains the growth in popularity of these bonds – as the tax take in the UK increases, and tax paid on interest goes up, they are a great way for higher rate taxpayers to get a relatively secure return, which is tax-free. "}],"markDefs":[],"style":"normal"},{"_key":"143bb8ec0e80","_type":"block","children":[{"_key":"0eeece876375","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Example:"},{"_key":"52ccd9cc7373","_type":"block","children":[{"_key":"00eb7eca2b96","_type":"span","marks":[],"text":""},{"_key":"72ac8f8e1ca2","_type":"mainAnchor","pageAnchor":{"_ref":"16faf849-274d-403a-b511-cf225e816d79","_type":"reference"}},{"_key":"187af134969b0","_type":"span","marks":[],"text":"How are bonds traded?"}],"markDefs":[],"style":"h3"},{"_key":"cfe82fd2d556","_type":"block","children":[{"_key":"83e5c781999e","_type":"span","marks":[],"text":"Initially, bonds will be offered to institutional investors (like banks or pension funds). When this process is complete, bonds can also be traded on the “secondary market”, where investors trade between themselves on the stock market like you can with ordinary shares. There will be a quoted price that will change throughout the day."}],"markDefs":[],"style":"normal"},{"_key":"c5da9e7fce93","_type":"block","children":[{"_key":"005c4140c0cb","_type":"span","marks":[],"text":"Investors can invest in bonds either directly or via other products which have bonds "},{"_key":"c8eefb4086c3","_type":"span","marks":["em"],"text":"in"},{"_key":"e938ff652d90","_type":"span","marks":[],"text":" them - such as multi-asset "},{"_key":"7e44d8d4eba1","_type":"span","marks":["fc7a25720353"],"text":"funds"},{"_key":"4c7c11c26b2d","_type":"span","marks":[],"text":", "},{"_key":"1bd18a481129","_type":"span","marks":["a00ce8f500dc"],"text":"ETFs"},{"_key":"46bcdb172323","_type":"span","marks":[],"text":" or"},{"_key":"922e97485ae8","_type":"span","marks":["aeb36fcf4623"],"text":" investment trusts"},{"_key":"0369c7eaf692","_type":"span","marks":[],"text":".  Bonds can play an important role in creating a diversified investment portfolio, which essentially means you invest in lots of different things in different proportion (not putting all your eggs in one basket is another way of looking at it!)."}],"markDefs":[{"_key":"fc7a25720353","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}},{"_key":"a00ce8f500dc","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}},{"_key":"aeb36fcf4623","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}}],"style":"normal"},{"_key":"8d973bcf2a1e","_type":"block","children":[{"_key":"2ec1aede89ab","_type":"span","marks":[],"text":"Many leading investment platforms such as "},{"_key":"eee0df919504","_type":"span","marks":["359cabde0d3c"],"text":"Hargreaves Lansdown"},{"_key":"809b677f8b82","_type":"span","marks":[],"text":", "},{"_key":"409e9d18bd45","_type":"span","marks":["457c15a8eac2"],"text":"AJ Bell "},{"_key":"a8416a475e6a","_type":"span","marks":[],"text":"and "},{"_key":"7fcdea77d655","_type":"span","marks":["abe234734263"],"text":"interactive investor"},{"_key":"1f5b49f77d32","_type":"span","marks":[],"text":" now let retail customers buy bonds just like you would with shares."}],"markDefs":[{"_key":"359cabde0d3c","_type":"internalLinkPick","reference":{"_ref":"7ca22c2a-5a22-4997-9cfb-3c0c6ad85a27","_type":"reference"}},{"_key":"457c15a8eac2","_type":"internalLinkPick","reference":{"_ref":"1dbcb796-5201-4542-a5fd-e9d2d02257e5","_type":"reference"}},{"_key":"abe234734263","_type":"internalLinkPick","reference":{"_ref":"22d041fa-4595-43c0-9055-7853b8b849f0","_type":"reference"}}],"style":"normal"},{"_key":"b42b778e35aa","_type":"block","children":[{"_key":"368f17d472ac","_type":"span","marks":[],"text":""},{"_key":"47b1a1da4f33","_type":"mainAnchor","pageAnchor":{"_ref":"3932d4f6-6124-4715-99d1-7bc659807fc4","_type":"reference"}},{"_key":"d404685b4df80","_type":"span","marks":[],"text":"What are the different types of bond?"}],"markDefs":[],"style":"h3"},{"_key":"754b01a0bb86","_type":"textboxWidget","text":[{"_key":"2c41dceddeab","_type":"block","children":[{"_key":"dfdfd3a8c947","_type":"span","marks":["strong"],"text":"Corporate bonds"},{"_key":"fb4873397cad","_type":"span","marks":[],"text":" – bonds issued by companies. The yield on corporate bonds can depend on how creditworthy the issuer is deemed to be."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1ae2c651010c","_type":"block","children":[{"_key":"b2cf653912e6","_type":"span","marks":["strong"],"text":"Junk bonds"},{"_key":"de963fb49c1a","_type":"span","marks":[],"text":" – bonds considered to be associated with a high level of risk."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"13980bdcc8e2","_type":"block","children":[{"_key":"eccb54653b7f","_type":"span","marks":["strong"],"text":"Municipal bonds"},{"_key":"fc0a803854f4","_type":"span","marks":[],"text":" – bonds issued by local governments, municipalities or states."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"99265f630422","_type":"block","children":[{"_key":"d35e39620486","_type":"span","marks":["strong"],"text":"Sovereign bonds"},{"_key":"5a9922c471ff","_type":"span","marks":[],"text":" – bonds issued by national governments. These can include gilts and treasuries."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"470565ca8ddf","_type":"block","children":[{"_key":"438715b5ca47","_type":"span","marks":["strong"],"text":"Gilts"},{"_key":"8964468bdd47","_type":"span","marks":[],"text":" – bonds issued by the UK government."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"80fda3477c0c","_type":"block","children":[{"_key":"49fed3a1aeeb","_type":"span","marks":["strong"],"text":"Treasuries"},{"_key":"ffbf2c8c0489","_type":"span","marks":[],"text":" – bonds issued by the US government."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"266e915029c0","_type":"block","children":[{"_key":"e3fcc300e9ad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a2537989de30","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Key bond terms to know:"},"text":[{"_key":"fdbdc1410e5c","_type":"block","children":[{"_key":"6f839624c465","_type":"span","marks":[],"text":"Key bond terms to know:"}],"markDefs":[],"style":"h4"},{"_key":"a2bb7aa8a4f4","_type":"block","children":[{"_key":"850c1ad2d9a0","_type":"span","marks":[],"text":"Coupon – the fixed interest rate that the bond issuer pays the lender. This is pre-agreed and does not change."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"6326a477fc02","_type":"block","children":[{"_key":"d385ee6adb2e","_type":"span","marks":[],"text":"Creditworthiness – how reliable the bond issuer is deemed to be, based on many factors such as financial security, size, and geographic location."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8e2c27f9133e","_type":"block","children":[{"_key":"de8b059c68c1","_type":"span","marks":[],"text":"Denomination – the total face value of the bond at the point of maturity (when it’s repaid)."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"04ce92ab0c77","_type":"block","children":[{"_key":"f95ddc6b78c8","_type":"span","marks":[],"text":"Maturity – the pre-agreed date at which the bond is repaid in full. This can range from less than 1 year (short-term) to over 30 years (long-term). Longer maturities typically have higher interest rates."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c0e878ef56e9","_type":"block","children":[{"_key":"0bb0b9c0c932","_type":"span","marks":[],"text":"Yield – the actual return an investor earns from a bond. This is not fixed and can fluctuate depending on a number of factors that impact the bond's price, including the issuer's perceived creditworthiness."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"db8106f28c5c","_type":"block","children":[{"_key":"8a6812021cd6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2b1db4c3031a","_type":"block","children":[{"_key":"4127dc303820","_type":"span","marks":[],"text":""},{"_key":"f856fa8d6746","_type":"mainAnchor","pageAnchor":{"_ref":"95fb0892-0bc4-4895-9015-698cfbafa2f9","_type":"reference"}},{"_key":"b58f70fa29190","_type":"span","marks":[],"text":"Are bonds right for me?"}],"markDefs":[],"style":"h2"},{"_key":"755ca04acb42","_type":"prosConsWidget","cons":["You’re seeking higher returns","Your priority is maximum capital growth rather than income"],"consTitle":"Bad if you","pros":["You have a lower risk tolerance ","You’re comfortable with lower potential returns in exchange","You want more predictable investments","You’re a higher rate taxpayer wanting tax efficient ‘cash-like’ assets "],"prosTitle":"Good if you"},{"_key":"40564fbd3726","_type":"block","children":[{"_key":"0563627909a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6dc4662a2a41","_type":"block","children":[{"_key":"a4ab65705dbd","_type":"span","marks":[],"text":""},{"_key":"41e835c08ab8","_type":"mainAnchor","pageAnchor":{"_ref":"e9689fd9-e232-45a8-b6cb-14ab8cb11a89","_type":"reference"}},{"_key":"c8ff999015ce0","_type":"span","marks":[],"text":"What factors affect bond performance?"}],"markDefs":[],"style":"h2"},{"_key":"76f6c3331d51","_type":"block","children":[{"_key":"db0a0bcab5ef0","_type":"span","marks":[],"text":"Historically, bonds have generally offered lower returns than shares but tend to come with less volatility. However, there are various external factors you should be aware of that can influence a bond’s performance, such as:"}],"markDefs":[],"style":"normal"},{"_key":"8f31197b0009","_type":"textboxWidget","text":[{"_key":"e02e737fe442","_type":"block","children":[{"_key":"c9a09cb5141a","_type":"span","marks":["strong"],"text":"Interest rates: "},{"_key":"77dfe0cb24b8","_type":"span","marks":[],"text":"Generally, bonds become less attractive when base interest rates (e.g. the Bank of England’s base rate) rise - and vice versa. This is because people can get similar returns without a longer-term commitment, like with an easy-access savings account."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4f209b5bc39d","_type":"block","children":[{"_key":"0c2c8d755598","_type":"span","marks":["strong"],"text":"Creditworthiness of the issuer: "},{"_key":"10768c5377c2","_type":"span","marks":[],"text":"As we mentioned earlier, government bonds or “gilts” are generally considered safer than corporate bonds. However, this safety usually comes in the form of a lower interest rate payment. "}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"dac19d76fcbe","_type":"block","children":[{"_key":"64496e4f1970","_type":"span","marks":["strong"],"text":"Market conditions: "},{"_key":"0a660958404c","_type":"span","marks":[],"text":"Market conditions, sentiment and economic factors can also impact bond prices in the same way they impact share prices."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"7e5d90e1d232","_type":"block","children":[{"_key":"915b3da40ca4","_type":"span","marks":[],"text":""},{"_key":"504d82eb803a","_type":"mainAnchor","pageAnchor":{"_ref":"433053e5-5bc2-4d66-aefe-1786ed0cb86f","_type":"reference"}},{"_key":"5ce4755ecaff0","_type":"span","marks":[],"text":"How do I know how bonds will perform vs cash?"}],"markDefs":[],"style":"h2"},{"_key":"9a35e2149d58","_type":"block","children":[{"_key":"c3859c53f02f","_type":"span","marks":[],"text":"Unfortunately, predicting the future performance of any investment with certainty is virtually impossible."}],"markDefs":[],"style":"normal"},{"_key":"813dac338e48","_type":"block","children":[{"_key":"6fd7f04be692","_type":"span","marks":[],"text":"Bonds have historically been considered lower-risk investments, but this is not a 100% bulletproof rule. For example, in September 2022 - following ex-Chancellor Kwasi Kwarteng’s infamous “mini Budget” - there were serious concerns about the amount of spending the then-government had proposed and therefore how it would be able to keep up with national debt (including gilts)."}],"markDefs":[],"style":"normal"},{"_key":"a0b2b81f847e","_type":"block","children":[{"_key":"8e6db4cd31e8","_type":"span","marks":[],"text":"These questions around the perceived creditworthiness of the UK government impacted the bond market, pushing yields up as these loans were seen to be riskier than they had been beforehand. As yields went up, the price of UK gilts fell - and this caused the bond market to contract, as lending to the UK government became less attractive to investors (institutional and private)."}],"markDefs":[],"style":"normal"},{"_key":"6c32eb4113db","_type":"block","children":[{"_key":"16474136e415","_type":"span","marks":[],"text":"People who were invested in bonds during this period saw the value of their investments fall. For those with a well-diversified portfolio (invested in lots of different things in different proportions), the impact of this was likely to be muted. However, individuals with a high proportion allocated to bonds – such as pension funds, which typically favour bonds for their low-risk reputation – saw a bigger dip."}],"markDefs":[],"style":"normal"},{"_key":"30fde4a880db","_type":"block","children":[{"_key":"9d7c567cf94e","_type":"span","marks":[],"text":"Since then, the bond market has recovered and it is generally agreed that this was an unusual set of circumstances. Bonds are usually low risk investments and can play an important role in ensuring your investment portfolio is diversified – and not all in shares, for example."}],"markDefs":[],"style":"normal"},{"_key":"4752447969bc","_type":"block","children":[{"_key":"00e43f27a5e5","_type":"span","marks":[],"text":"So you can see that by understanding the factors that can influence bond performance, you can get a better sense of how they work and how best to incorporate them into your investment portfolio."}],"markDefs":[],"style":"normal"},{"_key":"aff983865960","_type":"block","children":[{"_key":"bc760933457c","_type":"span","marks":[],"text":""},{"_key":"c050e8063d49","_type":"mainAnchor","pageAnchor":{"_ref":"8b590d7c-c5cf-48be-aa8b-f64f836f3617","_type":"reference"}},{"_key":"6f62f9ada198","_type":"span","marks":[],"text":"How can I invest in bonds?"}],"markDefs":[],"style":"h2"},{"_key":"786650885125","_type":"block","children":[{"_key":"85a5285ccd42","_type":"span","marks":[],"text":"If you have a pension or you're an investor already, you likely already invest in bonds - they're extremely common components of pensions and are often included in various types of funds, such as multi-asset "},{"_key":"f28f28f23e96","_type":"span","marks":["b9f70e6a6e3a"],"text":"funds"},{"_key":"c962749127b0","_type":"span","marks":[],"text":", "},{"_key":"1b2ef61ef27a","_type":"span","marks":["ee0a635edab8"],"text":"ETFs"},{"_key":"ddcbd9780996","_type":"span","marks":[],"text":" and "},{"_key":"e2618dc15e95","_type":"span","marks":["ff7c8e2c54d1"],"text":"ready-made portfolios"},{"_key":"bfe93ba338ec","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b9f70e6a6e3a","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}},{"_key":"ee0a635edab8","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}},{"_key":"ff7c8e2c54d1","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"05e707e3aa2e","_type":"block","children":[{"_key":"416e8bb4d45d","_type":"span","marks":[],"text":"Before you hunt for new bonds to add to your portfolio, it's a good idea to check what you're already invested in to make sure you're not doubling up or allocating"},{"_key":"a7905b1a3d2f","_type":"span","marks":["em"],"text":" too"},{"_key":"ad03830e5af1","_type":"span","marks":[],"text":" much to bonds. If you have a pension product, check your annual pension documents for details on what your pot is invested in. For other investment products, most providers allow you to log into your account on desktop or via an app to see a breakdown of your portfolio."}],"markDefs":[],"style":"normal"},{"_key":"bfe2c9c12e93","_type":"block","children":[{"_key":"2849b0cbdd05","_type":"span","marks":[],"text":"If you're looking to invest in bonds, there are many investment platforms on the market that will allow you to do so directly. 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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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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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This means that once you withdraw your money, you can’t put it back in again without affecting your annual allowance (currently £20,000)."}],"markDefs":[],"style":"normal"},{"_key":"6fb5f9f4500b","_type":"block","children":[{"_key":"263820b284b90","_type":"span","marks":[],"text":"For example, let’s say you put £10,000 into your AJ Bell Stocks & Shares ISA during the current tax year and then withdraw £2,000. 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Remember that investments can also fall, so you might not get all of your money back. Tax treatment depends on individual circumstances and may change."}],"markDefs":[],"style":"normal"}],"title":"Information: "},{"_key":"f716293b728e","_type":"block","children":[{"_key":"2d19c3977e21","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"brazeCustomAttributes":[{"_key":"8814180d635e","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_ProviderPage","customAttributeValue":"https://www.boringmoney.co.uk/isas-pensions/aj-bell-youinvest/"}],"categories":[{"_key":"a07e2727acd2","_ref":"2845ba64-de47-4336-abc9-216ccbb41a52","_type":"reference"}],"company":{"_ref":"c6c92ca9-537f-46d5-9c6c-b73d9869073c","_type":"reference"},"emailSignupWidgetButtonText":"READ FULL REVIEW","emailSignupWidgetImage":{"_type":"mainImage","alt":"Gated content"},"emailSignupWidgetParagraphText":"Boring Money conducts rigorous, year-round testing on AJ Bell using our live account. Get total access to our research-backed views, information on costs, charges and more.\n✓ Interactive cost calculator\n✓ Expert platform testing results\n✓ User experience deep-dive\n✓ Advanced features analysis","enableGatedContent":false,"excerpt":[{"_key":"66a8e1a80612","_type":"block","children":[{"_key":"1758bb08469c0","_type":"span","marks":[],"text":"In-depth review of AJ Bell YouInvest. 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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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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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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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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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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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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":"5dce884426ce","_type":"block","children":[{"_key":"fdc3d5925e23","_type":"span","marks":[],"text":""},{"_key":"6b0f3b25fcb5","_type":"mainAnchor","pageAnchor":{"_id":"319ddbd4-1609-431e-9298-4eb5c1f53bb6","_type":"anchorCategory","_rev":"707zynEHXsqJCdrKUQUWXy","_createdAt":"2024-12-04T22:04:03Z","_updatedAt":"2024-12-04T22:04:05Z","AnchorName":"ocf","id":"-3ff9d7ec-263b-56dd-8769-46ae7bfcf2a9","children":[],"parent":null}},{"_key":"c3c5831472e0","_type":"span","marks":[],"text":"1. Ongoing Charges Figure (OCF)"}],"markDefs":[],"style":"h3"},{"_key":"9c3805ffdbce","_type":"block","children":[{"_key":"5c29815172b9","_type":"span","marks":[],"text":"The OCF represents the annual cost of managing the fund. It includes management fees, administrative expenses, and most other operational costs. This fee is deducted from the fund’s value, meaning you won’t see a direct charge, but will notice its effect on your returns."}],"markDefs":[],"style":"normal"},{"_key":"76e4af4c4aae","_type":"block","children":[{"_key":"621d5eb7ca99","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6f6bec3f5357","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Example: If a fund has a 1% OCF and your investment is worth £10,000, you’ll pay £100 annually in fees, which reduces your overall returns."},"text":[{"_key":"c3acedb4c90f","_type":"block","children":[{"_key":"48e9ed6cd08b","_type":"span","marks":["strong"],"text":"Example:"},{"_key":"1920a555ed88","_type":"span","marks":[],"text":" If a fund has a 1% OCF and your investment is worth £10,000, you’ll pay £100 annually in fees, which reduces your overall returns."}],"markDefs":[],"style":"normal"}]},{"_key":"2a4e1ef8f9f6","_type":"block","children":[{"_key":"91b1666c1097","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5e93e328fb20","_type":"block","children":[{"_key":"245acad9fdaa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6e247ba08c17","_type":"block","children":[{"_key":"6da4ee2a0d9b","_type":"span","marks":[],"text":"Active funds, which are managed by professionals trying to outperform the market, usually have higher OCFs (1%-2.5%) because of their research and trading costs. On the other hand, passive funds - such as index funds or most ETFs - often have lower OCFs (0.1%-0.75%), as they simply track a market index without requiring frequent intervention."}],"markDefs":[],"style":"normal"},{"_key":"cf8c2bcb6eb7","_type":"block","children":[{"_key":"b0a10c95b7c8","_type":"span","marks":[],"text":""},{"_key":"bcaca3112cf1","_type":"mainAnchor","pageAnchor":{"_id":"e1b4e6dd-5c72-4514-9a9b-9e7295507ad0","_type":"anchorCategory","_rev":"Xg8PFbJ0UzkWgqeFfT5AN9","_createdAt":"2024-12-04T22:04:15Z","_updatedAt":"2024-12-04T22:04:17Z","AnchorName":"performancefees","id":"-4ad7be9d-6c7e-5546-ac29-3e3d3e259a19","children":[],"parent":null}},{"_key":"0a88e306b2c3","_type":"span","marks":[],"text":"2. Performance Fees"}],"markDefs":[],"style":"h3"},{"_key":"18c2263a0c5f","_type":"block","children":[{"_key":"7340d64a5a66","_type":"span","marks":[],"text":"Performance fees are charged by some actively managed funds if the fund exceeds a predetermined benchmark or exceeds a specific rate of return. In other words, this fee is a reward for the fund manager’s success in outperforming the market."}],"markDefs":[],"style":"normal"},{"_key":"ad6994c91a0e","_type":"block","children":[{"_key":"60866637583d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"65ec473e0999","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Example: A fund with a 15% performance fee and £1,000 in outperformance would cost you £150 in additional fees."},"text":[{"_key":"c3acedb4c90f","_type":"block","children":[{"_key":"88f11e52294e","_type":"span","marks":["strong"],"text":"Example:"},{"_key":"e690e61d9c82","_type":"span","marks":[],"text":" A fund with a 15% performance fee and £1,000 in outperformance would cost you £150 in additional fees."}],"markDefs":[],"style":"normal"}]},{"_key":"23b3fff809cf","_type":"block","children":[{"_key":"c57849fc9c26","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6d8dff8a3946","_type":"block","children":[{"_key":"27648199190c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"169be72bab7e","_type":"block","children":[{"_key":"624b21126d83","_type":"span","marks":[],"text":"While performance fees may help to incentivise fund managers to achieve the greatest possible returns, you could argue that they can also inevitably encourage managers to take excessive risks to maximise short-term gains and earn higher fees as a result. Therefore, for beginner or less confident investors, it’s typically a good idea to focus on funds with low or no performance fees – especially if their track record doesn’t justify the added expense."}],"markDefs":[],"style":"normal"},{"_key":"ef3bfd4eba34","_type":"block","children":[{"_key":"45e62adc740c","_type":"span","marks":[],"text":""},{"_key":"4002693248f3","_type":"mainAnchor","pageAnchor":{"_id":"cf07ead0-065e-48e6-afce-ff8b72142a1a","_type":"anchorCategory","_rev":"707zynEHXsqJCdrKUQUbHy","_createdAt":"2024-12-04T22:04:26Z","_updatedAt":"2024-12-04T22:04:29Z","AnchorName":"transactionfees","id":"-1469ffc7-eeaa-58be-984f-083cf0b65de5","children":[],"parent":null}},{"_key":"de14ae3daab2","_type":"span","marks":[],"text":"3. Transaction Fees"}],"markDefs":[],"style":"h3"},{"_key":"ac9b5ca49aa7","_type":"block","children":[{"_key":"48db521c091d","_type":"span","marks":[],"text":"Some costs, such as trading expenses incurred by the fund manager when buying and selling assets within the fund, are less visible. These transaction fees are usually included in the OCF, but they can vary significantly depending on the fund’s trading strategy."}],"markDefs":[],"style":"normal"},{"_key":"b59cb5efdad6","_type":"block","children":[{"_key":"b9dc334ee59d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ecb2b1d33257","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Example: A high-turnover fund that frequently buys and sells stocks will have higher trading costs compared to a low-turnover fund that holds assets for longer periods."},"text":[{"_key":"c3acedb4c90f","_type":"block","children":[{"_key":"b9d394629820","_type":"span","marks":["strong"],"text":"Example: "},{"_key":"ec2e06b7a82a","_type":"span","marks":[],"text":"A high-turnover fund that frequently buys and sells stocks will have higher trading costs compared to a low-turnover fund that holds assets for longer periods."}],"markDefs":[],"style":"normal"}]},{"_key":"8f5cad457364","_type":"block","children":[{"_key":"2abec0750d90","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"01ca2b2826eb","_type":"block","children":[{"_key":"66d0d41f27a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dfb9d74c2898","_type":"block","children":[{"_key":"be1d2223aeda","_type":"span","marks":[],"text":"Funds with lower turnover tend to have lower hidden costs. Passive funds like ETFs often have minimal trading activity, making them a cost-efficient option for long-term investors who don’t mind sitting and watching their returns compound over time."}],"markDefs":[],"style":"normal"},{"_key":"ef1c8165d1cb","_type":"block","children":[{"_key":"7f1eba51dfab","_type":"span","marks":[],"text":""},{"_key":"844b66777b10","_type":"mainAnchor","pageAnchor":{"_id":"65a917cc-c1c9-49a8-9b2f-448a6be4cb39","_type":"anchorCategory","_rev":"J90BTnl3mv3A7x1lszHaUp","_createdAt":"2024-12-04T22:04:39Z","_updatedAt":"2024-12-04T22:04:42Z","AnchorName":"initialcharge","id":"-8d734986-7339-517e-940e-ac2dde546f37","children":[],"parent":null}},{"_key":"4fc9c91efdf9","_type":"span","marks":[],"text":"4. Initial Charge (Entry Fee)"}],"markDefs":[],"style":"h3"},{"_key":"dab5fc753ea6","_type":"block","children":[{"_key":"739d110fd3270","_type":"span","marks":[],"text":"The initial charge or entry fee is a one-off fee you may have to pay when you first invest in a fund. This fee, typically expressed as a percentage of your investment, is meant to cover the fund provider’s* costs for handling your money."}],"markDefs":[],"style":"normal"},{"_key":"7fc40dadcd97","_type":"block","children":[{"_key":"1edd84cdd3d5","_type":"span","marks":[],"text":"*Your fund provider is the firm that offers the fund you're investing in. 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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":{"_id":"c51dfbf0-7502-4c5d-b54d-cb8a53aaf690","_type":"anchorCategory","_rev":"wvJta9ElXUYLPkPUBQbkJW","_createdAt":"2023-01-31T23:06:00Z","_updatedAt":"2023-01-31T23:06:00Z","AnchorName":"whatisastocksandsharesisa","id":"-8e5d7fa1-027c-54e3-8a20-99ad942b9670","children":[],"parent":null}},{"_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":{"_id":"decc7a5d-2a64-4c9b-9fa6-aac6a4a89581","_type":"questionPost","_rev":"p80vVKKv7dE0kc2lnycvb6","_createdAt":"2025-09-23T15:06:51Z","_updatedAt":"2025-09-23T15:36:33Z","_system":{"base":{"id":"decc7a5d-2a64-4c9b-9fa6-aac6a4a89581","rev":"HS8bHFoFwCoVWzp17KBHjt"}},"adviser":[{"_key":"d16be8494d4b","_type":"personReference","people":{"_ref":"2234bd4d-6071-4ef0-bd30-f507f25ebf07","_type":"reference"}}],"answer":[{"_key":"154b41c0961d","_type":"block","children":[{"_key":"f5ba5f1d2d1b","_type":"span","marks":[],"text":"Hi Robert,"}],"markDefs":[],"style":"normal"},{"_key":"ab065140442d","_type":"block","children":[{"_key":"8f5eafe6708f","_type":"span","marks":[],"text":"Thanks for raising this - it’s a great question and you’re certainly not alone. Flexible "},{"_key":"cfbd9089e424","_type":"span","marks":["327e821e49da"],"text":"ISAs"},{"_key":"cac174563cea","_type":"span","marks":[],"text":" catch a lot of people by surprise."}],"markDefs":[{"_key":"327e821e49da","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"},{"_key":"6cbf30c1361f","_type":"block","children":[{"_key":"8b229c225049","_type":"span","marks":[],"text":"In a nutshell: a flexible ISA lets you take money out and put it back in again "},{"_key":"552502d6b434","_type":"span","marks":["em"],"text":"within the same tax year"},{"_key":"7daeff71bb24","_type":"span","marks":[],"text":" without it eating into your £20,000 annual allowance. So, if you need to dip into the ISA - for example to bridge a house purchase, as you have done - you can replace the money later that year and it doesn’t count twice."}],"markDefs":[],"style":"normal"},{"_key":"61c45d9193cb","_type":"block","children":[{"_key":"494b0bbe0ec0","_type":"span","marks":[],"text":"As you have discovered, not every provider offers this though. HMRC introduced these new rules back in 2016, but it’s optional, not a requirement. Some providers have embraced it, others prefer to keep things simple and avoid the extra admin - so you’ll find that some ISAs (especially "},{"_key":"085dcfdabedc","_type":"span","marks":["a5b6163cc85e"],"text":"Cash ISAs"},{"_key":"85506537e74b","_type":"span","marks":[],"text":") are flexible while others, like certain "},{"_key":"66b7a9abef35","_type":"span","marks":["35ccbebce51f"],"text":"Stocks & Shares ISAs"},{"_key":"80ea641c3855","_type":"span","marks":[],"text":", aren’t."}],"markDefs":[{"_key":"a5b6163cc85e","_type":"internalLinkPick","reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"}},{"_key":"35ccbebce51f","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"b28a7c8b3b5a","_type":"block","children":[{"_key":"d8b5aae09243","_type":"span","marks":[],"text":"A big reason for this is technology. Many providers still run on older, clunky IT systems, and building flexible ISA functionality can be expensive or tricky to integrate. Only those who see it as a real draw for customers tend to prioritise it. The good news is that the industry is gradually becoming more technologically adept as these legacy systems are replaced or upgraded, so features like this should become more common and less costly to offer over time."}],"markDefs":[],"style":"normal"},{"_key":"8c800a5b8f41","_type":"block","children":[{"_key":"22f679169df0","_type":"span","marks":[],"text":"It is surprisingly under-publicised as a benefit. Providers who don’t offer it aren’t likely to shout about it, and most people don’t think about temporary withdrawals until they suddenly need one - so the feature tends to stay hidden in the small print."}],"markDefs":[],"style":"normal"},{"_key":"552efd11235b","_type":"block","children":[{"_key":"05725d8ad224","_type":"span","marks":[],"text":"If you think you might need short-term access to your ISA money - say for a house move or a big one-off expense - it’s worth checking whether your provider has a flexible option before you withdraw."}],"markDefs":[],"style":"normal"},{"_key":"c3f6ef45f083","_type":"block","children":[{"_key":"2fff19938ce3","_type":"span","marks":[],"text":"While it would certainly help if these rules were better publicised, one way to stay ahead is to "},{"_key":"2b1ef7da2ff9","_type":"span","marks":["0e1487129eb9"],"text":"work with a qualified financial adviser"},{"_key":"2c9faf6eb170","_type":"span","marks":[],"text":". An adviser can ensure that everything you’re doing - across ISAs and your wider finances - is fully optimised for your own circumstances and goals."}],"markDefs":[{"_key":"0e1487129eb9","_type":"internalLinkPick","reference":{"_ref":"e0c498d2-703f-4a15-98bc-06f3451e7dc6","_type":"reference"}}],"style":"normal"},{"_key":"cbc5eca74c77","_type":"block","children":[{"_key":"1c629eac2d72","_type":"span","marks":[],"text":"Hope this helps!"}],"markDefs":[],"style":"normal"},{"_key":"7fbea738387a","_type":"block","children":[{"_key":"06a0ed0d647b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"04bd54a0eb7a","_type":"block","children":[{"_key":"bc3521337ade","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"234423b53b9c","_type":"block","children":[{"_key":"09f65938884e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"eb098d4256a5","_type":"block","children":[{"_key":"e0d59c7adc22","_type":"span","marks":["strong","em"],"text":"Important information"}],"markDefs":[],"style":"normal"},{"_key":"d308eec4ba4d","_type":"block","children":[{"_key":"594e4ee22ddb","_type":"span","marks":["em"],"text":"The information provided is for general guidance only and does not constitute personal financial advice or a recommendation. It is based on current understanding of HMRC rules and tax legislation, which may be subject to change. This response is intended to address your query in general terms; for advice tailored to your specific circumstances, a personalised financial review would be required. Past performance is not a guide to future performance and may not be repeated. The value of investments and the income from them may go down as well as up and investors may not get back the amount originally invested."}],"markDefs":[],"style":"normal"}],"body":[{"_key":"1191961a70d0","_type":"block","children":[{"_key":"b75d16b61788","_type":"span","marks":[],"text":"In spite of having invested in ISAs for many years, I was unaware of ‘flexible' ISAs. "}],"markDefs":[],"style":"normal"},{"_key":"baa2087449d4","_type":"block","children":[{"_key":"c4a02bc38866","_type":"span","marks":[],"text":"I had to encash a significant amount invested in ISAs, rather than taking a difficult-to-arrange bridging loan, earlier this year when we bought a new house before selling the old house. I only became aware of the flexible ISA when I queried a dialogue box with the platform provider (CSD) indicating that I could invest the amount that I had taken out. I then checked the relevant .gov website which confirmed that it was correct. Another platform provider (HL), where I also encashed a significant amount held in an ISA, just confirmed that their ISA is not flexible. "}],"markDefs":[],"style":"normal"},{"_key":"67302b93537f","_type":"block","children":[{"_key":"1c5e90f1102c","_type":"span","marks":[],"text":"Are flexible ISAs common? Why would one provider offer a flexible ISA and another not? Why is there not more publicity about them? In my particular circumstance, having a flexible ISA (even 1) has offered great benefit."}],"markDefs":[],"style":"normal"}],"categories":[{"_key":"5e08ae635fb9","_ref":"d67a23c8-c6a9-4918-a6cd-1bd9d4f0e647","_type":"reference"}],"dashboardId":"c53d1d6a-2b11-4c35-8215-06a594e3a11a","excerpt":[{"_key":"f6f19e8a5384","_type":"block","children":[{"_key":"c7eb12586b57","_type":"span","marks":[],"text":"What is a flexible ISA? How do they work? And why doesn't every ISA provider offer one? Discover the often-overlooked perk of flexible withdrawals and how it can make calculating your annual ISA allowance a whole lot easier."}],"markDefs":[],"style":"normal"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-57c17faf5f0affb0b4c87ecd60f97aa34bd2a311-1920x1080-png","_type":"reference"},"blankAltTag":true},"publishedAt":"2025-09-23T15:36:32.360Z","readerFirstName":"Robert","slug":{"_type":"slug","current":"what-is-a-flexible-isa-and-why-doesn-t-every-provider-offer-one"},"template":"C-SB","title":"What is a flexible ISA and why doesn't every provider offer one?","id":"-571386a4-63e0-515d-b46b-26d05a38f830","children":[],"parent":null}}],"style":"normal"},{"_key":"2eb50191f038","_type":"block","children":[{"_key":"882585431f3a","_type":"span","marks":[],"text":""},{"_key":"8c9d07a1b021","_type":"mainAnchor","pageAnchor":{"_id":"f7f5e256-63dc-4d19-9d8d-31a6e15b7bbb","_type":"anchorCategory","_rev":"xjLKnlFrh2WM7l3TdJ9ZTL","_createdAt":"2023-01-31T23:06:12Z","_updatedAt":"2023-01-31T23:06:12Z","AnchorName":"howdostocksandsharesisaswork","id":"-482dcf64-b139-5683-abf3-313991fdc792","children":[],"parent":null}},{"_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":{"_id":"03489c0e-4cd2-48d7-8700-e6eb389280d6","_type":"anchorCategory","_rev":"PZq3D7oQCo96ts7zqRhQ3O","_createdAt":"2023-01-31T23:06:30Z","_updatedAt":"2023-01-31T23:06:30Z","AnchorName":"isastocksandsharesisarightforme","id":"-6d299f27-c515-5638-9ced-5181e8343bc3","children":[],"parent":null}},{"_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":{"_id":"61abfcc5-ca28-406e-af55-8b50ff2af72f","_type":"anchorCategory","_rev":"xjLKnlFrh2WM7l3TdJ9igZ","_createdAt":"2023-01-31T23:06:47Z","_updatedAt":"2023-01-31T23:06:47Z","AnchorName":"stocksandsharesvscash","id":"-b4999d6f-e435-5cd3-ac88-90c4283bf9bc","children":[],"parent":null}},{"_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":{"_id":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"glossaryHover","_rev":"lTp2d2CYb7e7Sxre7E5WU3","_createdAt":"2025-04-30T13:42:54Z","_updatedAt":"2025-04-30T13:43:13Z","description":"Also called “Footsie”, the name for the share index made up of the largest 100 companies by market capitalisation (total value of all shares) listed on the London Stock Exchange.","title":"FTSE 100","id":"-a54941b3-75e6-5613-bd46-3ed80c5c54e9","children":[],"parent":null}},{"_key":"405dad0129e4","_type":"glossaryPick","reference":{"_id":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"glossaryHover","_rev":"cgOXYc5fbaZoufJX9Z3fRz","_createdAt":"2025-05-01T14:42:09Z","_updatedAt":"2025-05-01T14:45:19Z","description":"A global index that tracks large and medium-sized companies from 23 developed countries around the world.","title":"MSCI World","id":"-3f82d13b-ff3c-5e83-961e-ef18e3f0a260","children":[],"parent":null}}],"style":"normal"},{"_key":"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":"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":{"_id":"abce80e4-d3d9-4aac-abc1-510b2c118415","_type":"anchorCategory","_rev":"wvJta9ElXUYLPkPUBQc3gU","_createdAt":"2023-01-31T23:07:19Z","_updatedAt":"2023-01-31T23:07:19Z","AnchorName":"stocksandsharesshorttermvslongterm","id":"-89e7dc03-427f-5fc8-b0b9-81ca20a497e6","children":[],"parent":null}},{"_key":"f30cc6342f8e","_type":"span","marks":[],"text":"Stocks & Shares ISA: Short-term vs long-term investing "}],"markDefs":[],"style":"h2"},{"_key":"d82a8fc2fd0c","_type":"block","children":[{"_key":"8c136c2f2755","_type":"span","marks":[],"text":"It can be helpful to think about investing in the stock market a bit like the housing market. Imagine you hear on the news that the property market is down 3% in your area. Do you freak out, run for the hills and stockpile baked beans? No – only if you don't have a choice and "},{"_key":"aad09a6b9855","_type":"span","marks":["em"],"text":"have "},{"_key":"acc88a1b29a6","_type":"span","marks":[],"text":"to sell that year. Otherwise, you sit tight and wait for the market to recover. "}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"29e5815ac3a7","_type":"block","children":[{"_key":"706f02f0f1f2","_type":"span","marks":[],"text":"FREE TOOL: Not sure which ISA or pension is right for you?"}],"markDefs":[],"style":"h4"},{"_key":"413101212e38","_type":"block","children":[{"_key":"689ff7bc39ee","_type":"span","marks":[],"text":"Answer 6 questions. Get 3 tailored recommendations. 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Answer six short questions; it takes around two minutes, and we'll surface three tailored recommendations, each scored using a combination of our own research team's analysis and real customer reviews. The tool covers Stocks & Shares ISAs, Lifetime ISAs (LISAs), Junior ISAs (JISAs), and pensions."}],"markDefs":[],"style":"normal"},{"_key":"375c357b54ee","_type":"block","children":[{"_key":"bb49267017de","_type":"span","marks":[],"text":"The recommendations are rooted in the same methodology behind the Boring Money Best Buy Awards, which take our in-house analysts over three months to research and compile each year. We draw on over 31,000 customer reviews, detailed cost analysis across different portfolio sizes, website and app testing from live accounts, customer service testing, and the expert view of our Founder and CEO, Holly Mackay. We also assess each platform on value, service quality, and how long they've been established in the market."}],"markDefs":[],"style":"normal"},{"_key":"502262e3ed74","_type":"block","children":[{"_key":"f95e6b7aff22","_type":"span","marks":[],"text":"The result is a shortlist you can actually trust. 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Every UK adult can put up to £20,000 in per tax year, and your money stays tax-free for as long as it's invested."}],"markDefs":[{"_key":"d6b8ce0f298f","_type":"internalLinkPick","blank":true,"reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"3b99dd5a2884","_type":"block","children":[{"_key":"6e63c11c9ce0","_type":"span","marks":[],"text":"Unlike a "},{"_key":"50cfc1d9ad04","_type":"span","marks":["3f03851c4f49"],"text":"Cash ISA"},{"_key":"484972727fd3","_type":"span","marks":[],"text":", your money is exposed to market ups and downs, so it works best for people with a five-year-plus investing horizon who can ride out any rough patches. The trade-off is that historically, stock markets have significantly outperformed cash over the long term."}],"markDefs":[{"_key":"3f03851c4f49","_type":"internalLinkPick","blank":true,"reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"}}],"style":"normal"},{"_key":"b7e136ab9820","_type":"block","children":[{"_key":"e7c84e6881c2","_type":"span","marks":[],"text":"You can get started from as little as £1 a month, and withdrawals are flexible. Only around 15% of UK adults currently hold one, despite the tax benefits being substantial."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Stocks & Shares ISA"},{"_key":"40d1e6b7e1a8","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"112a4f5a3456","_type":"block","children":[{"_key":"2e3b967b548a","_type":"span","marks":["strong"],"text":"How many Stocks & Shares ISAs can I have?"}],"markDefs":[],"style":"normal"},{"_key":"cdce826d5173","_type":"block","children":[{"_key":"f9de034e4b35","_type":"span","marks":[],"text":"You can hold multiple Stocks & Shares ISAs with different providers, and since April 2024 you can now pay into more than one in the same tax year. Previously you were restricted to funding just one of each ISA type per year. Your total contributions across all ISAs still cannot exceed the £20,000 annual allowance."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How many Stocks & Shares ISAs can I have?"},{"_key":"d6557798f95aae9166dd47b671371b8e","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"0b1b81b8fced","_type":"block","children":[{"_key":"647035ac2f9b","_type":"span","marks":["strong"],"text":"Can you have a Cash ISA and a Stocks & Shares ISA?"}],"markDefs":[],"style":"normal"},{"_key":"a1239342ef07","_type":"block","children":[{"_key":"346684e6e919","_type":"span","marks":[],"text":"Yes. You can hold both a Cash ISA and a Stocks & Shares ISA at the same time, and since April 2024 you can pay into both in the same tax year. The only rule is that your combined contributions across all ISAs cannot exceed the £20,000 annual allowance. So you could, for example, put £10,000 into a Cash ISA and £10,000 into a Stocks & Shares ISA in the same year."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Can you have a Cash ISA and a Stocks & Shares ISA?"},{"_key":"0d14c9611d066edde1521f2b24f4fbcf","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"52b735920f83","_type":"block","children":[{"_key":"0b8cd50ae7ab","_type":"span","marks":["strong"],"text":"Do you pay tax on a Stocks & Shares ISA?"}],"markDefs":[],"style":"normal"},{"_key":"5d4063f23a01","_type":"block","children":[{"_key":"8f76784ceccf","_type":"span","marks":[],"text":"No. Any profits, dividends, and interest earned inside a Stocks & Shares ISA are completely tax-free. You won't pay "},{"_key":"746501e20138","_type":"span","marks":["9f0fc32f1ef8"],"text":"capital gains tax"},{"_key":"befb55e85286","_type":"span","marks":[],"text":" when you sell investments at a profit, no tax on dividends, and no tax on interest, regardless of how much you make."}],"markDefs":[{"_key":"9f0fc32f1ef8","_type":"internalLinkPick","blank":true,"reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}}],"style":"normal"},{"_key":"42a92b9747cd","_type":"block","children":[{"_key":"5d3d96b2cff0","_type":"span","marks":[],"text":"Outside an ISA, all three of these would potentially be taxable once you exceed your annual allowances. The ISA wrapper removes that complexity entirely."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Do you pay tax on a Stocks & Shares ISA?"},{"_key":"b1bc9de0103deda66aec2c9caf976c48","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"52aed0165a57","_type":"block","children":[{"_key":"9019a4836efa","_type":"span","marks":["strong"],"text":"What is a Junior ISA (JISA)?"}],"markDefs":[],"style":"normal"},{"_key":"ddafdb407a60","_type":"block","children":[{"_key":"591f8d3bb88a","_type":"span","marks":[],"text":"A Junior ISA is a tax-free savings or investment account for children under 18. Parents or guardians can open one on a child's behalf and anyone can contribute, up to £9,000 per tax year. The money is locked away until the child turns 18, at which point it automatically becomes an adult ISA in their name."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Junior ISA (JISA)?"},{"_key":"0e5b360c1ca13ed038e25611bbb8c547","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"8ae67a45fc6b","_type":"block","children":[{"_key":"448c61fc6b6e","_type":"span","marks":["strong"],"text":"What is a Lifetime ISA (LISA)?"}],"markDefs":[],"style":"normal"},{"_key":"4b58fdf762ee","_type":"block","children":[{"_key":"33eb5833fabe","_type":"span","marks":[],"text":"A Lifetime ISA is a government-backed account for adults aged 18–39, designed to help you save either for your first home or for retirement. You can save up to £4,000 per year, and the government adds a 25% bonus on top, up to £1,000 a year. The money can only be withdrawn penalty-free to buy a first home (worth up to £450,000) or from age 60 onwards."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Lifetime ISA (LISA)?"},{"_key":"066fe5a181e6","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"dc69d0ef7358","_type":"block","children":[{"_key":"b6f041a39e65","_type":"span","marks":["strong"],"text":"We'd love your"},{"_key":"f06400292134","_type":"span","marks":["5bd06b1e27d1","strong"],"text":" feedback"},{"_key":"d4c3363c2ebb","_type":"span","marks":["strong"],"text":"."}],"markDefs":[{"_key":"5bd06b1e27d1","_type":"internalLinkPick","blank":true,"reference":{"_ref":"789ad7dd-f1a8-4606-9075-20ecba5e0f6b","_type":"reference"}}],"style":"normal"}],"linkText":"Contact us","reference":{"_ref":"789ad7dd-f1a8-4606-9075-20ecba5e0f6b","_type":"reference"},"styles":"White"}],"excerpt":[{"_key":"c698ae2f78c6","_type":"block","children":[{"_key":"0977565871d8","_type":"span","marks":[],"text":"Answer 6 quick questions and find the best Stocks & Shares ISA, pension, LISA, or JISA for your needs. Independent, unbiased, and free from Boring Money."}],"markDefs":[],"style":"normal"}],"publishedAt":"2026-04-27T08:52:38.353Z","slug":{"_type":"slug","current":"isa-pension-finder"},"subfolder":{"_id":"296cd157-5755-403a-80a5-cc8dafb6dc99","_type":"folderCategory","_rev":"FW1NJKvivUBn8c48tVwRjs","_createdAt":"2023-03-21T13:53:17Z","_updatedAt":"2023-06-21T14:32:13Z","description":"For comparing providers and platforms.","folder":"/compare/","id":"-3cc18bd4-d047-5447-8e4a-e0773446c736","children":[],"parent":null},"title":"ISA & Pension Finder | Find the Best Investment Platform for You | Boring Money","id":"-f2831a00-2ebb-5d7c-9880-dc5cf5bcb7f5","children":[],"parent":null},"text":"FIND MY ISA"},{"_key":"50f10f0f6a8a","_type":"block","children":[{"_key":"0876d3b43bc1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c3ec473a32f","_type":"block","children":[{"_key":"9342c0a6ccfa","_type":"span","marks":[],"text":"Shares and investing in the stock market are kind of the same. Unless you need to sell at that very point in time, you can sit tight and ride out the bad times, only selling when the markets are more in your favour. "}],"markDefs":[],"style":"normal"},{"_key":"b02b151be7de","_type":"block","children":[{"_key":"738702b1f9bc","_type":"span","marks":[],"text":"This is why timeframes matter so much. If you know you'll need to cash in within 12 months, stick it in the stock market anyway, and then some unfortunate force sends markets tumbling... well, you’re stuffed and your back’s against the wall. You'll have to withdraw your cash during a dip. But if you can park your money for longer - say, 5 years or more - it’s much less likely you'll have to sell when things are rubbish."}],"markDefs":[],"style":"normal"},{"_key":"4249037765fa","_type":"block","children":[{"_key":"53725bd4af3b0","_type":"span","marks":[],"text":"As a very loose rule of thumb, expecting to make about 5% a year from a diversified portfolio (that is, essentially, a mixed bag) of investments should be achievable. Some years it could be 20%, some years it could be minus 20%. 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So first up, don’t lose your mind and chase daft things like Bitcoin, gambling and spivvy schemes. Investing ultimately comes down to backing decent companies which do things you can get your head around and which make a profit, or have a damn good plan which will "},{"_key":"8a32973014ba","_type":"span","marks":["em"],"text":"make "},{"_key":"97946f0a6356","_type":"span","marks":[],"text":"them a profit. It’s like Dragon’s Den but on a larger scale."}],"markDefs":[],"style":"normal"},{"_key":"1d6886405254","_type":"block","children":[{"_key":"268a63f04360","_type":"span","marks":[],"text":"Some companies won’t make it. They won't hit oil, get that patent, or they'll suffer at the hands of an inept CEO. And if you're putting all your money behind that one company, then you're potentially losing a lot of it when its shares start to fall. 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This threshold will increase to 57 years old from 2028 and there's a good chance it will continue to rise to reflect an ageing population and similar changes to the State Pension age."}],"markDefs":[],"style":"normal"},{"_key":"7d59da91fec5","_type":"block","children":[{"_key":"30984b039238","_type":"span","marks":[],"text":"You can take up to 25% as a tax-free lump sum"}],"markDefs":[],"style":"h4"},{"_key":"c68a6e98d419","_type":"block","children":[{"_key":"1adeeec6638c","_type":"span","marks":[],"text":"As with most pension schemes, from the age of 55 onwards you can withdraw 25% of the value of your SIPP - up to a maximum of £268,275 - tax-free. 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SIPPs can accommodate either but it's crucial to check whether your chosen provider offers the route you want to take, as some are limited to only drawdown schemes or only annuities. It's best to check this "},{"_key":"cb1a3b0ee27f","_type":"span","marks":["em"],"text":"before"},{"_key":"04c8c80479d8","_type":"span","marks":[],"text":" you start saving into a SIPP so you don't end up having to make last-minute transfers in the run-up to retirement!"}],"markDefs":[{"_key":"0cb4416ebeef","_type":"internalLinkPick","reference":{"_ref":"30c293dd-a614-4253-a4c2-ed4b64cdd9ac","_type":"reference"}},{"_key":"58fcf70be682","_type":"internalLinkPick","reference":{"_ref":"18cc7a4b-b423-47ee-8759-5fa886b087d6","_type":"reference"}}],"style":"normal"},{"_key":"abdbbd3e1f3a","_type":"block","children":[{"_key":"6805c4c7eb35","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"4874100ec44d","_type":"block","children":[{"_key":"395616f61b23","_type":"span","marks":["strong"],"text":"Drawdown vs annuity: Which is best for you?"}],"markDefs":[],"style":"normal"}],"_key":"bfb143359578","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"79fcc0a0-e069-4ec5-b1ea-8a6a48d6fb5e","_type":"reference"},"text":"TELL ME"},{"_key":"954b38f4eb68","_type":"block","children":[{"_key":"df44ecfabb54","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7a3f253ff758","_type":"block","children":[{"_key":"1d01a10a74df","_type":"span","marks":[],"text":""},{"_key":"1efd08dfc6ff","_type":"mainAnchor","pageAnchor":{"_ref":"4fb202b7-6246-4faa-b97d-bee6f208d1d1","_type":"reference"}},{"_key":"2feb83c206cb","_type":"span","marks":[],"text":"Is a personal pension right for me?"}],"markDefs":[],"style":"h2"},{"_key":"2f12fd40cc34","_type":"block","children":[{"_key":"f3cd487d2612","_type":"span","marks":[],"text":"Is it a good idea for you to open a SIPP? While the idea of taking retirement savings into your own hands sounds appealing, it's not always the best course of action for everyone. Here's a run-down of the key pros and cons of SIPPs."}],"markDefs":[],"style":"normal"},{"_key":"0c037522a1a8","_type":"prosConsWidget","cons":["Already have a competitive workplace pension scheme","Will need the money before you're 55","Have expensive debt to pay off first"],"consTitle":"Bad if you","pros":["Can set aside money until you're 55","Are self-employed and want to save for retirement","Want more control over your retirement savings"],"prosTitle":"Good if you "},{"_key":"0d6ddf57ea97","_type":"block","children":[{"_key":"70d644c31f280","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"69e33702ca96","_type":"block","children":[{"_key":"4b6acec9bdeb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"61804af9c650","_type":"block","children":[{"_key":"1c2d94e2f4580","_type":"span","marks":["strong"],"text":"Discover three reasons why you should open a SIPP today"}],"markDefs":[],"style":"normal"}],"_key":"8e867e8ac8ca","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"fdb02161-4452-428f-b5f2-e2feca21222f","_type":"reference"},"text":"FIND OUT"},{"_key":"7780f35dead2","_type":"block","children":[{"_key":"fe7b2db8cfa5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4e0fa86f3d2d","_type":"block","children":[{"_key":"f206819400f2","_type":"span","marks":[],"text":""},{"_key":"a5170953afaf","_type":"mainAnchor","pageAnchor":{"_ref":"d5017282-7bc8-4433-bcd8-1bc15bc86641","_type":"reference"}},{"_key":"f7b926c31def2","_type":"span","marks":[],"text":"How much can I pay into a personal pension?"}],"markDefs":[],"style":"h2"},{"_key":"785d2edd23e3","_type":"block","children":[{"_key":"6a1c63cdf64e","_type":"span","marks":[],"text":"The maximum amount most people can pay into their pensions each tax year is typically £60,000 or 100% of their salary - whichever is lowest. This includes the total of:"}],"markDefs":[],"style":"normal"},{"_key":"584d233d3bda","_type":"block","children":[{"_key":"4ed0c1dcfffe0","_type":"span","marks":[],"text":"your own contributions (plus any tax relief you receive) and;"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"cce9b4ba775a","_type":"block","children":[{"_key":"2f147cf74a470","_type":"span","marks":[],"text":"any employer contributions"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"045b27aa3d99","_type":"block","children":[{"_key":"521a86c97e760","_type":"span","marks":[],"text":"If you are unemployed or earn under £3,600 a year, then the most you can pay into your pension is £2,880 (this increases to £3,600 with the tax relief applied)."}],"markDefs":[],"style":"normal"},{"_key":"778ade774f2b","_type":"block","children":[{"_key":"e2b7ef4446f3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"fea49faf329a","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Pension carry forward"},"text":[{"_key":"c087fce67e17","_type":"block","children":[{"_key":"ed037c44af61","_type":"span","marks":[],"text":"Pension carry forward"}],"markDefs":[],"style":"h4"},{"_key":"e8a9c7db641c","_type":"block","children":[{"_key":"89c9d37aa8cd","_type":"span","marks":[],"text":"If you've used up all of your annual allowance, you may be able to carry over any of your allowance you didn't use up from the previous three tax years through a process called \"pension carry forward\". You can ask your pension providers for details of how much you saved into each scheme if they’ve not already sent them to you, or "},{"_key":"82e4d00bb643","_type":"span","marks":["4f3274463f7a"],"text":"use the GOV.UK's annual allowance calculator"},{"_key":"b6ddd401a910","_type":"span","marks":[],"text":" to check if your pension savings are more than your annual allowance and if you have any unused allowance to carry forward."}],"markDefs":[{"_key":"4f3274463f7a","_type":"internalLinkPick","blank":true,"reference":{"_ref":"76e458a7-bd09-4c22-a673-587b0dcfe6eb","_type":"reference"}}],"style":"normal"},{"_key":"3a3641d24309","_type":"block","children":[{"_key":"b25777b185c10","_type":"span","marks":[],"text":"‏‏‎ ‎"}],"markDefs":[],"style":"normal"}]},{"_key":"d30bc8baf9c8","_type":"block","children":[{"_key":"7a6a42d7710b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e22e35f719c7","_type":"block","children":[{"_key":"193a193ee48d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"da83ea6289a1","_type":"block","children":[{"_key":"bd34a1d07939","_type":"span","marks":[],"text":"The rules for the annual allowance are slightly different for higher earners due to something called the \"tapered annual allowance\" - more on this next."}],"markDefs":[],"style":"normal"},{"_key":"a0507441c59e","_type":"block","children":[{"_key":"10a5090d21ca","_type":"span","marks":[],"text":"Rules for the highest earners"}],"markDefs":[],"style":"h4"},{"_key":"a119508cded0","_type":"block","children":[{"_key":"23f295966bdc0","_type":"span","marks":[],"text":"If you’re a higher earner, your annual allowance may be less than this thanks to something called the 'tapered annual allowance', which can reduce your allowance to as low as just £10,000 depending on how much you earn. "}],"markDefs":[],"style":"normal"},{"_key":"df831d7c3ec1","_type":"block","children":[{"_key":"ad27e48c5fea","_type":"span","marks":[],"text":"The tapered annual allowance affects individuals whose:"}],"markDefs":[],"style":"normal"},{"_key":"2bf193ea29e0","_type":"block","children":[{"_key":"32148a15cad70","_type":"span","marks":[],"text":"‘threshold income’ is above £200,000 "},{"_key":"6e33ff443e3e","_type":"span","marks":["em"],"text":"and;"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4ad29e2a2bb7","_type":"block","children":[{"_key":"3720e998380b","_type":"span","marks":[],"text":"‘adjusted income’ is above £260,000"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"96b3ce2b1d5a","_type":"block","children":[{"_key":"dc38b0facec7","_type":"span","marks":[],"text":"Threshold income does not include your pension contributions, while adjusted income does."}],"markDefs":[],"style":"normal"},{"_key":"ae65a0c4eaa6","_type":"block","children":[{"_key":"419a0f39373b0","_type":"span","marks":[],"text":"Those who meet the criteria above will see their annual allowance gradually reduce by £1 for every £2 of ‘adjusted income’ above £260,000. For example, if your adjusted income was £270,000, your annual allowance would be reduced to £55,000. This is because, as you're £10,000 over the adjusted income threshold of £260,000, your annual allowance is reduced by £5,000 - taking it down to £55,000."}],"markDefs":[],"style":"normal"},{"_key":"834676a2335b","_type":"block","children":[{"_key":"7832ee5ff26b","_type":"span","marks":[],"text":"The tapering stops at £360,000, preserving a minimum of at least £10,000 for even the very highest earners."}],"markDefs":[],"style":"normal"},{"_key":"daaddabeb093","_type":"block","children":[{"_key":"35a1465ca04a0","_type":"span","marks":[],"text":"Until 5 April 2024, there had also previously been a lifetime pension allowance which was capped at just over £1 million. This has since been abolished to allow individuals to save more into their pension - as long as you stick to your relevant annual allowance for each tax year."}],"markDefs":[],"style":"normal"},{"_key":"159d4e71bb7e","_type":"block","children":[{"_key":"b0807c766c61","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1b31853e858e","_type":"block","children":[{"_key":"13ed06d5fd92","_type":"span","marks":[],"text":""},{"_key":"664c356d126c","_type":"mainAnchor","pageAnchor":{"_ref":"e87611f7-5f1e-4039-8a16-99b71d40b0de","_type":"reference"}},{"_key":"0d7ece435554","_type":"span","marks":[],"text":"What can I put in my personal pension?"}],"markDefs":[],"style":"h2"},{"_key":"e959c16f4109","_type":"block","children":[{"_key":"1dd576ced2530","_type":"span","marks":[],"text":"One of the main benefits of a SIPP is the amount of control it gives you over what to invest your retirement savings in. You can choose what you like! 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Different providers will have different combinations and ranges of investments to choose from. "}],"markDefs":[],"style":"normal"},{"_key":"6eb377a17d43","_type":"block","children":[{"_key":"136113527399","_type":"span","marks":[],"text":"For example, the exceedingly popular provider "},{"_key":"05d5d4a6eef3","_type":"span","marks":["237ddcfe1985"],"text":"Vanguard"},{"_key":"7c0fcf2bc4dc","_type":"span","marks":[],"text":" offers around 85 in-house funds and ETFs (but no access to individual shares), whereas "},{"_key":"60aa7db1920f","_type":"span","marks":["6c6bd0271ce8"],"text":"Fidelity"},{"_key":"85309ded4eef","_type":"span","marks":[],"text":" has a much wider range stretching into the thousands with a choice of funds, ETFs, investment trusts and shares. Both were winners of our coveted "},{"_key":"1bb0b0f3b43b","_type":"span","marks":["d8290dd4ae22"],"text":"Best Buy Pension award"},{"_key":"f91333e68322","_type":"span","marks":[],"text":" in 2025."}],"markDefs":[{"_key":"237ddcfe1985","_type":"internalLinkPick","reference":{"_ref":"040a1837-41f8-40f7-aa2a-67f13dff3e28","_type":"reference"}},{"_key":"6c6bd0271ce8","_type":"internalLinkPick","reference":{"_ref":"6b9c10a5-2223-4a20-98fb-55323cda4a35","_type":"reference"}},{"_key":"d8290dd4ae22","_type":"internalLinkPick","reference":{"_ref":"41b7c255-2a4e-415c-bc4e-74bc27a97f1e","_type":"reference"}}],"style":"normal"},{"_key":"a6a13aaf1e52","_type":"block","children":[{"_key":"d0828c5018d8","_type":"span","marks":[],"text":"Confident investors"}],"markDefs":[],"style":"h4"},{"_key":"66e3d4ebb58f","_type":"block","children":[{"_key":"ef5f60ad7e2f0","_type":"span","marks":[],"text":"When it comes to what to put in your SIPP, more confident savers may prefer to choose their own range of individual "},{"_key":"4f4b2e313950","_type":"span","marks":["03227fb6d8b6"],"text":"shares"},{"_key":"46973f83f2a3","_type":"span","marks":[],"text":", but we wouldn’t typically suggest this route for the newer or less confident investor."}],"markDefs":[{"_key":"03227fb6d8b6","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}}],"style":"normal"},{"_key":"ae8693377528","_type":"block","children":[{"_key":"925bf5fc3575","_type":"span","marks":[],"text":"Intermediate investors"}],"markDefs":[],"style":"h4"},{"_key":"511689fd50f5","_type":"block","children":[{"_key":"fb65c7af30ce","_type":"span","marks":[],"text":"If you're reasonably confident when it comes to investing, you know what you want and don't mind handling some of the decisions yourself, selecting a decent-sized range of "},{"_key":"cda1838f9d28","_type":"span","marks":["7d48bf1e1468"],"text":"funds"},{"_key":"6a01878f5a2a","_type":"span","marks":[],"text":" - say, 8 to 12 - should suffice."}],"markDefs":[{"_key":"7d48bf1e1468","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"dc8e4b42709b","_type":"block","children":[{"_key":"4eec2d815e82","_type":"span","marks":[],"text":"Beginner investors"}],"markDefs":[],"style":"h4"},{"_key":"0606026b2bcc","_type":"block","children":[{"_key":"348d2002a5ef0","_type":"span","marks":[],"text":"And if you don’t want to research a pool of funds and you aren’t sure what to do, consider a "},{"_key":"b05db35ca1a1","_type":"span","marks":["b70bc2f1cd4b"],"text":"ready-made investment"},{"_key":"a8e333f86971","_type":"span","marks":[],"text":". This is a great way to start for the less confident investor who would prefer to have all the difficult decision-making handled for you."}],"markDefs":[{"_key":"b70bc2f1cd4b","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"6ac0bfb047a9","_type":"block","children":[{"_key":"f96bd3c6eab5","_type":"span","marks":[],"text":""},{"_key":"b4b2a500811e","_type":"mainAnchor","pageAnchor":{"_ref":"cbf710fc-0661-47c8-b9c5-b0c5315d37b1","_type":"reference"}},{"_key":"dfac1679452e","_type":"span","marks":[],"text":"How much does a personal pension cost?"}],"markDefs":[],"style":"h2"},{"_key":"c56016f0cd43","_type":"block","children":[{"_key":"432fb9ca16c0","_type":"span","marks":[],"text":"There are three basic elements to the cost of having and running a SIPP account. These typically include:"}],"markDefs":[],"style":"normal"},{"_key":"d3dea964ce4b","_type":"block","children":[{"_key":"f0c8a51c9cd3","_type":"span","marks":["strong"],"text":"Admin fees: "},{"_key":"b0f9dfd3d87c","_type":"span","marks":[],"text":"The annual administration fee for providing the pension - this will usually be between 0.35% and 0.5% each year and will be levied by the company you open up the account with."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"040f23a1e4d1","_type":"block","children":[{"_key":"3da1063e39ab","_type":"span","marks":["strong"],"text":"Dealing charges:"},{"_key":"653447385695","_type":"span","marks":[],"text":" The fees charged when you buy or sell funds or shares. 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For example, if you own a global ETF and a US-focused ETF, you might be doubling up on the same stocks. It’s important to understand what’s actually inside your ETFs to avoid unintended risk or redundancy."}],"markDefs":[{"_key":"46e65d891c29","_type":"glossaryPick","reference":{"_ref":"cb2d54a5-51bd-4510-96c6-badad138eff7","_type":"reference"}}],"style":"normal"},{"_key":"e3bd9ee6ecec","_type":"block","children":[{"_key":"14bac8b5c670","_type":"span","marks":[],"text":""},{"_key":"648c01633d9c","_type":"mainAnchor","pageAnchor":{"_ref":"34c4bdaa-bb71-424f-972c-c0de69e9f1df","_type":"reference"}},{"_key":"f41184660529","_type":"span","marks":[],"text":"❌ Still rise and fall with the market"}],"markDefs":[],"style":"h3"},{"_key":"e295c312435d","_type":"block","children":[{"_key":"ef70c1df0055","_type":"span","marks":[],"text":"Finally, while many ETFs are passive by design, that doesn’t mean they’re completely safe or immune to market crashes. If the market an ETF tracks drops, so will your investment. You’re accepting market returns – for better or worse. ETFs are a great foundation, but they’re not a silver bullet for investment success."}],"markDefs":[],"style":"normal"},{"_key":"95b1fcdbdfe9","_type":"block","children":[{"_key":"5f0da20db839","_type":"span","marks":[],"text":""},{"_key":"764983d86d97","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"81e7b973b1d5","_type":"span","marks":[],"text":"Top questions on ETFs"}],"markDefs":[],"style":"h2"},{"_key":"a181b5533fdb","_type":"block","children":[{"_key":"e98d4b06806c","_type":"span","marks":[],"text":""},{"_key":"a6126a3aa223","_type":"mainAnchor","pageAnchor":{"_ref":"9f5319b0-7128-4672-9d72-529aa7f21814","_type":"reference"}},{"_key":"64cb416ca8380","_type":"span","marks":[],"text":"How much do ETFs cost?"}],"markDefs":[],"style":"h3"},{"_key":"fc122a15382d","_type":"block","children":[{"_key":"7884beb22fb0","_type":"span","marks":[],"text":"ETFs trade on stock exchanges just like individual shares, which means you buy and sell them on online investment platforms. You will often be charged a commission on each buy or sell transaction."}],"markDefs":[],"style":"normal"},{"_key":"c502aabc7234","_type":"block","children":[{"_key":"dadf564d0a4b","_type":"span","marks":[],"text":"ETFs themselves usually have an annual "},{"_key":"1443cc198b51","_type":"span","marks":["89cfe4ee3312"],"text":"management fee"},{"_key":"0156aa55050c","_type":"span","marks":[],"text":", which is typically quite low - especially for large, well-known ETFs that track broad indices. However, more niche ETFs may charge slightly higher fees due to their specific focus. "}],"markDefs":[{"_key":"89cfe4ee3312","_type":"glossaryPick","reference":{"_ref":"639ead5f-b190-4b44-bc4f-805ab4d8fcf4","_type":"reference"}}],"style":"normal"},{"_key":"481a8c10a10d","_type":"block","children":[{"_key":"8658e29d1d86","_type":"span","marks":[],"text":"Another cost to consider is the "},{"_key":"253b1edbd313","_type":"span","marks":["7f92891a603e"],"text":"bid-ask spread"},{"_key":"8f784cbe584c","_type":"span","marks":[],"text":", which is the difference between the price at which a platform is willing to buy and sell the ETF – this is similar to a "},{"_key":"1ea37f15d05e","_type":"span","marks":["76b31858e487"],"text":"currency exchange"},{"_key":"45faed2a72af","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"7f92891a603e","_type":"glossaryPick","reference":{"_ref":"acfdf9ca-55f2-4ccd-8aee-3201a6153b7b","_type":"reference"}},{"_key":"76b31858e487","_type":"glossaryPick","reference":{"_ref":"c45b581e-8764-40ef-8780-ef02845ed5fc","_type":"reference"}}],"style":"normal"},{"_key":"7104cc654d2a","_type":"block","children":[{"_key":"a069bc4adb27","_type":"span","marks":[],"text":"In terms of "},{"_key":"2d94f54238dd","_type":"span","marks":["7648f8a791df"],"text":"transaction fees"},{"_key":"182bc4de1ace","_type":"span","marks":[],"text":", they will range from being free up to  £11.95 per trade depending on the platform you are investing on. If you’re making regular contributions to your ETF, these costs can add up over time, so it’s essential to keep an eye on fees - especially if you’re investing small amounts frequently."}],"markDefs":[{"_key":"7648f8a791df","_type":"glossaryPick","reference":{"_ref":"af4eb285-d6ee-484f-89ac-d776bbfcb0c5","_type":"reference"}}],"style":"normal"},{"_key":"6975d7bc829f","_type":"block","children":[{"_key":"2f25377ef185","_type":"span","marks":[],"text":""},{"_key":"743052052ddb","_type":"mainAnchor","pageAnchor":{"_ref":"043c4d3a-e208-4710-92d6-2a77330c0be0","_type":"reference"}},{"_key":"6348fbed8524","_type":"span","marks":[],"text":"Active vs passive ETFs"}],"markDefs":[],"style":"h3"},{"_key":"71cf2ab6ddd4","_type":"mainImage","asset":{"_ref":"image-7ca3e9317480168a1de35cfa1a4a9b3f6249f78e-1920x1080-png","_type":"reference"},"blankAltTag":true},{"_key":"397cdc9d2c24","_type":"block","children":[{"_key":"afae1c0135fa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ef4fc8c4ec3","_type":"block","children":[{"_key":"80803ed8ed2d","_type":"span","marks":[],"text":"The active vs passive debate is central to investing in ETFs. "}],"markDefs":[],"style":"normal"},{"_key":"fcc7ca1029b0","_type":"block","children":[{"_key":"d36caa331723","_type":"span","marks":[],"text":"A passive ETF tracks an index and aims to mirror its performance. This type of fund is cost-effective because there’s no need for an active fund manager to make investment decisions. While you won’t outperform the market, you’ll capture its returns at a low cost. Passive ETFs are great for investors who prefer a hands-off approach, and they provide broad exposure to various markets. However, you may end up owning companies or sectors that are underperforming."}],"markDefs":[],"style":"normal"},{"_key":"39b56cc28e27","_type":"block","children":[{"_key":"45bf65d5b435","_type":"span","marks":[],"text":"On the other hand, active ETFs involve fund managers selecting stocks with the goal of outperforming the index. These ETFs typically come with higher fees, as you're paying for the expertise of the manager. However, they could deliver higher returns if the manager makes smart picks. One thing to note: active managers often closely track the index to reduce risk, meaning their performance may not actually differ much from a passive strategy."}],"markDefs":[],"style":"normal"},{"_key":"3919761790f3","_type":"block","children":[{"_key":"6802e895452b","_type":"span","marks":[],"text":"If you're drawn to"},{"_key":"1222aa85e45a","_type":"span","marks":["df5690228e1c"],"text":" sustainable investing"},{"_key":"86b8927a6d8d","_type":"span","marks":[],"text":", active managers often have more flexibility to incorporate "},{"_key":"3487e95a3dc6","_type":"span","marks":["eae5e5481ca8"],"text":"environmental, social, and governance (ESG) "},{"_key":"8eba70cf1f85","_type":"span","marks":[],"text":"criteria into their investment decisions. 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"}],"markDefs":[{"_key":"bc65bd6db096","_type":"glossaryPick","reference":{"_ref":"fed61c02-3002-4768-9374-16377d6a555f","_type":"reference"}}],"style":"normal"},{"_key":"796eb49b3bd8","_type":"block","children":[{"_key":"fcf3345e3510","_type":"span","marks":[],"text":"ETFs trade on the stock exchange, so their prices are influenced by supply and demand – just like individual stocks. Ideally, the market price should reflect the NAV, but it doesn’t always happen. If there’s high demand for a particular ETF, its market price can trade at a premium (higher) to the NAV, and if there’s little interest, it can trade at a discount (lower)."}],"markDefs":[],"style":"normal"},{"_key":"01a9ae08d825","_type":"block","children":[{"_key":"05bfc6a06892","_type":"span","marks":[],"text":"This discrepancy is more common with niche or less "},{"_key":"dde4c707f5fd","_type":"span","marks":["6b0f00e2d964"],"text":"liquid"},{"_key":"74733ca41f02","_type":"span","marks":[],"text":" ETFs (such as real estate), as larger, more popular ETFs with high trading volumes tend to stay closer to their NAV. It's just something to watch out for, particularly if you’re investing in less-established sectors or thematic ETFs."}],"markDefs":[{"_key":"6b0f00e2d964","_type":"glossaryPick","reference":{"_ref":"695ac26e-f82d-442b-842b-88d99f69cd38","_type":"reference"}}],"style":"normal"},{"_key":"0ee2fe4427aa","_type":"block","children":[{"_key":"fd91f9506b31","_type":"span","marks":[],"text":""},{"_key":"1c4d3da0a2d3","_type":"mainAnchor","pageAnchor":{"_ref":"33d7a3c3-9d61-4c73-a2f7-c973a32550ec","_type":"reference"}},{"_key":"05068f1158a6","_type":"span","marks":[],"text":"What's the difference between ETFs, ETCs, and ETNs?"}],"markDefs":[],"style":"h3"},{"_key":"48b4b698e98f","_type":"block","children":[{"_key":"c0296ae51b8f","_type":"span","marks":[],"text":"You may see different acronyms that are associated with the better-known acronym ETF. While ETFs are the most prevalent type of exchange-traded investment, they constitute one segment within the broader Exchange-Traded Products (ETPs) category. The key difference between these vehicles is in their structure and risk profile, with ETFs generally having the lowest risk (as they own the assets), and ETNs having the highest risk (as they're debt instruments dependent on the issuer's creditworthiness)."}],"markDefs":[],"style":"normal"},{"_key":"012f2bc4cd37","_type":"block","children":[{"_key":"4eae172b1e78","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e52d2023a247","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"c8068b830d40","_type":"block","children":[{"_key":"1229b85f0a2f","_type":"span","marks":["strong"],"text":"ETP (Exchange-Traded Product)"},{"_key":"08a2130944e7","_type":"span","marks":[],"text":" - The umbrella term that encompasses all these investment vehicles. Under ETPs, we have three main categories:"}],"markDefs":[],"style":"normal"},{"_key":"2d19b853c54a","_type":"block","children":[{"_key":"9006d5cec5fc","_type":"span","marks":["strong"],"text":"ETF (Exchange-Traded Fund)"},{"_key":"51e75b0db4e6","_type":"span","marks":[],"text":" - Owns the underlying assets, structured as funds with typically lower risk."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"aac15e73eddb","_type":"block","children":[{"_key":"51bb083addf3","_type":"span","marks":["strong"],"text":"ETC (Exchange-Traded Commodity)"},{"_key":"16cde2559f35","_type":"span","marks":[],"text":" - Specifically tracks commodities like metals, energy, or agricultural products."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"64996ee526e7","_type":"block","children":[{"_key":"c17c7be2ba54","_type":"span","marks":["strong"],"text":"ETN (Exchange-Traded Note)"},{"_key":"d5a5770567dd","_type":"span","marks":[],"text":" - Unsecured debt securities that don't own assets but promise to match index returns."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"c96e1576d467","_type":"block","children":[{"_key":"6284f539b6c3","_type":"span","marks":[],"text":""},{"_key":"626039451657","_type":"mainAnchor","pageAnchor":{"_ref":"957565b7-0e48-493b-b2c8-f9c293e8527a","_type":"reference"}},{"_key":"7e555a475dfb","_type":"span","marks":[],"text":"What are the most popular ETFs in 2025?"}],"markDefs":[],"style":"h3"},{"_key":"50e1dcc85dba","_type":"block","children":[{"_key":"7ef8485bb4a6","_type":"span","marks":[],"text":"Curious where other investors are putting their money right now? Each month, we go straight to the source - top UK platforms like AJ Bell, Fidelity, Hargreaves Lansdown and interactive investor - to find out which ETFs are trending."}],"markDefs":[],"style":"normal"},{"_key":"32f226649c67","_type":"block","children":[{"_key":"f10106dc09d9","_type":"span","marks":[],"text":"Whether you're after inspiration, reassurance, or just a nosey peek at the crowd favourites, our regularly updated list reveals which ETFs are winning the popularity contest. Click below to see the latest chart-toppers and discover the ETFs investors are backing this month."}],"markDefs":[],"style":"normal"},{"_key":"c38e88e7be08","_type":"block","children":[{"_key":"51f495d30d43","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"8b7dea2bda41","_type":"block","children":[{"_key":"39be579df116","_type":"span","marks":["strong"],"text":"Best-selling funds, Investment Trusts and ETFs of the month"}],"markDefs":[],"style":"normal"}],"_key":"a75da29311c2","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"aadcd51e-3d7b-47ae-94da-4226f4f25ea8","_type":"reference"},"text":"CLICK HERE"},{"_key":"ae1f95cedf49","_type":"block","children":[{"_key":"d713808ae15c","_type":"span","marks":[],"text":""},{"_key":"f72f60c0983b","_type":"mainAnchor","pageAnchor":{"_ref":"34b1353a-e3e4-4949-a55d-dde0ba144f90","_type":"reference"}},{"_key":"4fec03eb05d3","_type":"span","marks":[],"text":"Key takeaways on ETFs"}],"markDefs":[],"style":"h2"},{"_key":"198ddfc75049","_type":"block","children":[{"_key":"218f107231d4","_type":"span","marks":[],"text":"💰 Easy diversification at low cost"}],"markDefs":[],"style":"h3"},{"_key":"286377f939d8","_type":"block","children":[{"_key":"a2f9c6206de3","_type":"span","marks":[],"text":"ETFs are a simple way to diversify your portfolio without having to pick individual stocks. They offer broad market exposure (e.g., global or sector-specific indices) usually at a lower cost to actively managed funds, making them ideal for beginner investors looking to build a low-maintenance portfolio."}],"markDefs":[],"style":"normal"},{"_key":"02935918ca93","_type":"block","children":[{"_key":"04d0ba4ed0c9","_type":"span","marks":[],"text":"💭 Choose between active and passive "}],"markDefs":[],"style":"h3"},{"_key":"624b809b0419","_type":"block","children":[{"_key":"bb32e5b61ec7","_type":"span","marks":[],"text":"Deciding whether to invest in passive or active ETFs depends on your investment goals. Passive ETFs track a market index and typically have lower fees, while active ETFs are managed by professionals aiming to beat the market. For most beginners, passive ETFs are a great starting point, offering stable, long-term growth potential."}],"markDefs":[],"style":"normal"},{"_key":"47c617dae2b6","_type":"block","children":[{"_key":"2d483787d393","_type":"span","marks":[],"text":"📈 Understand costs and trading dynamics"}],"markDefs":[],"style":"h3"},{"_key":"505ff6ddcfd1","_type":"block","children":[{"_key":"ad2c6e092fd5","_type":"span","marks":[],"text":"While ETFs generally have low fees, it's essential to understand all the costs involved, such as commission fees and the bid-ask spread. ETFs trade like stocks, meaning you can buy or sell anytime during market hours. However, be aware of potential price fluctuations based on demand and supply, especially in niche markets."}],"markDefs":[],"style":"normal"},{"_key":"1d59810c0821","_type":"block","children":[{"_key":"c5055dbdfd8f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"89202e17d1dd","_type":"block","children":[{"_key":"f63fe2ae85cc","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"11eed913b2aa","_type":"block","children":[{"_key":"b95466f10234","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7a3791858955","_type":"block","children":[{"_key":"699651af7e14","_type":"span","marks":[],"text":"[1] "},{"_key":"ae7276ad1c35","_type":"span","marks":["da4d0749d56f"],"text":"Fidelity, January 2025"}],"markDefs":[{"_key":"da4d0749d56f","_type":"internalLinkPick","reference":{"_ref":"cd42b887-ca6d-491e-a878-46714bce07e6","_type":"reference"}}],"style":"normal"}],"brazeCustomAttributes":[{"_key":"52189da98b0e","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_Article_Gated","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/etfs/"}],"categories":[{"_key":"9812e902959a","_ref":"a9695476-b643-4a18-be2a-e8dbf3420afd","_type":"reference"},{"_key":"3b450247e67d","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"3b9e172aceca","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"}],"content":[],"emailSignupWidgetButtonText":"JOIN US","emailSignupWidgetParagraphText":"Join us for free and gain access to award-winning, jargon-free guidance that makes complex money topics both understandable and actionable. Compare investment platforms, ISAs, and pensions through objective reviews and user ratings to find the perfect home for your money. Cut through the financial noise with expert guidance that empowers you to make smarter investment decisions without the confusing terminology that often surrounds personal finance.","enableGatedContent":true,"excerpt":[{"_key":"98dd0dbb9d5a","_type":"block","children":[{"_key":"bd51787a25a9","_type":"span","marks":[],"text":"Discover how Exchange-Traded Funds (ETFs) work in our beginner-friendly guide. Learn about diversification benefits, low costs, trading basics, and how to choose the right ETFs for your investment goals in 2025."}],"markDefs":[],"style":"normal"}],"gateStyle":"Original - Faded","gatedContentBody":[{"_key":"ee8cf9beea42","_type":"block","children":[{"_key":"403559427f68","_type":"span","marks":[],"text":"ETFs (Exchange-Traded Funds) have exploded in popularity, with global values exceeding $10.4 trillion in 2024. These ready-made investment bundles trade like shares but contain many assets – like getting the entire Top 40 chart in one purchase."}],"markDefs":[],"style":"normal"},{"_key":"100942ec38ca","_type":"block","children":[{"_key":"f15eee7cb8ae","_type":"span","marks":[],"text":"Why Investors Love ETFs"}],"markDefs":[],"style":"h2"},{"_key":"3e9823a4b3f7","_type":"block","children":[{"_key":"6c4b7e0f635b","_type":"span","marks":[],"text":"ETFs offer instant diversification across companies, sectors, or themes while keeping costs low. Most track market indices passively, meaning no expensive fund manager – so more of your money stays invested and growing."}],"markDefs":[],"style":"normal"},{"_key":"490448975609","_type":"block","children":[{"_key":"56f3e1598cd6","_type":"span","marks":[],"text":"Perfect if you're new to investing, cost-conscious, or want broad market exposure without picking individual shares."}],"markDefs":[],"style":"normal"},{"_key":"85a496e1722e","_type":"block","children":[{"_key":"9792dbb3e19c","_type":"span","marks":[],"text":"Worth Considering"}],"markDefs":[],"style":"h2"},{"_key":"9d4b2d21dff3","_type":"block","children":[{"_key":"0b519ce6049d","_type":"span","marks":[],"text":"ETFs aren't ideal for everyone. You can't pick the companies inside them (challenging for ethical investors), and owning multiple ETFs might mean unknowingly doubling up on the same investments."}],"markDefs":[],"style":"normal"},{"_key":"5ef4283a5d44","_type":"block","children":[{"_key":"605466820c68","_type":"span","marks":[],"text":"Continue reading our comprehensive guide below."}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":false,"linkMenu":[{"_key":"1cc597c5ce17","_ref":"ff192dd4-e800-412b-9ea1-a785a66550ba","_type":"reference"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-fe162accb7da262d17df275b156f8e12c0d014d1-1920x1080-png","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"c69c3651-50cc-4bc5-8e3e-87bd5c9f0b7f","_type":"reference"},"publishedAt":"2025-05-15T11:34:57.647Z","slug":{"_type":"slug","current":"etfs"},"subfolder":{"_ref":"1e199c4b-b2a5-4733-b5fb-18b5874bd698","_type":"reference"},"template":"C-SB","textNextToKey":"Sign up for free to read more!","theme":"Boring Money theme","title":"ETFs Explained: A Comprehensive Guide for New Investors","widgets":[{"_key":"3da49e60ae25","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"},{"_key":"946d1bcbc517","_ref":"3a6edac9-161a-4f04-9675-c3dbaeffad1b","_type":"reference"},{"_key":"2ca52feb8f98","_ref":"3fefd2ec-9177-427c-9149-529cd1417d24","_type":"reference"}],"id":"-b9c0d3ad-9742-5875-8a02-546ad55d27f8","children":[],"parent":null}}],"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":{"_id":"f1074ea6-e7b0-475f-9cb0-4a22d74cebf5","_type":"information","_rev":"nN27B2ANLaElWH46BMKw3d","_createdAt":"2023-02-06T14:33:09Z","_updatedAt":"2026-05-29T13:31:40Z","_system":{"base":{"id":"f1074ea6-e7b0-475f-9cb0-4a22d74cebf5","rev":"rCROcANhqWKbx5SCbrx0Em"}},"authors":[{"_key":"6b05cf0e4882","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"390b01dc8813","_type":"block","children":[{"_key":"8091f6d70b56","_type":"span","marks":[],"text":"By "},{"_key":"0c1d484cc780","_type":"span","marks":["strong"],"text":"Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"323f34c475df","_type":"block","children":[{"_key":"e9cabfbb6a460","_type":"span","marks":["strong"],"text":"Deciding between a Cash ISA and a Stocks & Shares ISA can be a tricky task. Before we dive into the specifics, let’s make sure we’ve got a good grasp of the basics. Do you know how the different types of ISA work? What’s the difference between a Cash ISA and a Stocks & Shares ISA? And when can you, and can't you, use a Lifetime ISA?"}],"markDefs":[],"style":"normal"},{"_key":"45f2fe639510","_type":"mainImage","alt":"Cash ISA vs Stocks & Shares ISA: Which should you choose? 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There are also other types of ISA, such as "},{"_key":"53595d3edd44","_type":"span","marks":["d2d47dfa1100"],"text":"Lifetime ISAs"},{"_key":"d08e322b9c1f","_type":"span","marks":[],"text":" and "},{"_key":"da9dca91658f","_type":"span","marks":["e89e56e033b8"],"text":"Junior ISAs"},{"_key":"37b5552fee55","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"d2d47dfa1100","_type":"internalLinkPick","reference":{"_ref":"f87e514a-5bd1-4a7c-95cd-f1676e520028","_type":"reference"}},{"_key":"e89e56e033b8","_type":"internalLinkPick","reference":{"_ref":"10ff81a7-9b4e-4d42-bf3c-c4bec3734358","_type":"reference"}}],"style":"normal"},{"_key":"9f97b3e89249","_type":"textboxWidget","text":[{"_key":"b2e34fe45b14","_type":"block","children":[{"_key":"60b3ea1e1a50","_type":"span","marks":["strong"],"text":"Every adult in the UK can:"}],"markDefs":[],"style":"normal"},{"_key":"901411c28376","_type":"block","children":[{"_key":"6394677b190c","_type":"span","marks":[],"text":"Save up to £20,000 into an ISA in any single tax year, without paying tax. The current tax year runs from 6 April 2023 to 5 April 2024."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"139d6982300e","_type":"block","children":[{"_key":"81010b6b0151","_type":"span","marks":[],"text":"Only open and pay into one of each type of ISA - such as a Cash or Stocks & Shares ISA - per tax year."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"b91d3630f03b","_type":"block","children":[{"_key":"d2b8d6356bfa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"74747f4c1f31","_type":"block","children":[{"_key":"83cbfc01affe","_type":"span","marks":[],"text":"Also, your £20,000 annual allowance is split across all the ISAs you own. For example - let's say you open a Cash ISA and a Stocks & Shares ISA - if you put £15,000 into your Cash ISA during this tax year, you could put a maximum of £5,000 into your Stocks & Shares one. "}],"markDefs":[],"style":"normal"},{"_key":"9c0efe23f202","_type":"block","children":[{"_key":"bb8880b17196","_type":"span","marks":[],"text":"What is a Cash ISA?"}],"markDefs":[],"style":"h3"},{"_key":"55be609afe11","_type":"block","children":[{"_key":"5bb07b16c696","_type":"span","marks":[],"text":"A Cash ISA is a type of ISA where your money is kept in cash – rather than being invested – where it can gain interest over time. This type of ISA favours high interest rates so that you can squeeze the most out of your money. You can tuck away up to £20,000 into a Cash ISA every year without paying any tax, which sounds like a no-brainer at first, but you should also consider that cash is especially vulnerable to inflation and could lose some of its purchasing power over time."}],"markDefs":[],"style":"normal"},{"_key":"2b55c0e1d7c6","_type":"block","children":[{"_key":"f364be4af281","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a7b29779d213","_type":"prosConsWidget","cons":["You're saving for a long period of time","Inflation is high","Interest rates are low"],"consTitle":"Bad if...","pros":["You're saving for an important goal","You might need quick access to your cash","Interest rates are high"],"prosTitle":"Good if..."},{"_key":"f6d1a1276942","_type":"block","children":[{"_key":"f9517c0b18f3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h3"},{"_key":"b9609248cfd5","_type":"block","children":[{"_key":"8012dd9bfc7b","_type":"span","marks":[],"text":"What is a Stocks & Shares ISA?"}],"markDefs":[],"style":"h3"},{"_key":"b23c6eaea7b0","_type":"block","children":[{"_key":"1172965f3943","_type":"span","marks":[],"text":"A Stocks & Shares ISA is a type of ISA where the money in your account is invested in the stock market with the aim of generating a profit. This type of ISA is more volatile than its cash equivalent, as is the nature of shares and funds, but it can be a great option for those looking to dip their toes into investing within a tax-free wrapper. You can put away up to £20,000 into a Stocks & Shares ISA each year - just remember that, as always, you can lose capital as well as gain it."}],"markDefs":[],"style":"normal"},{"_key":"167d35c4fbcd","_type":"block","children":[{"_key":"0367d4be6f39","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b1c927126d64","_type":"prosConsWidget","cons":["You prefer the security of cash to stock market risk","You might need to access your cash at short-notice","You're saving for an important or short-term goal (<5 years)"],"consTitle":"Bad if....","pros":["You're saving for a long period of time","You want to try out investing","You don't mind waiting to access your cash"],"prosTitle":"Good if..."},{"_key":"b3f165dc1465","_type":"block","children":[{"_key":"0819c85c78bc","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c60204640963","_type":"block","children":[{"_key":"6d6da1426d7b","_type":"span","marks":[],"text":"Cash ISAs vs Stocks & Shares ISAs"}],"markDefs":[],"style":"h2"},{"_key":"9492d6aaff3d","_type":"block","children":[{"_key":"30012bde09a2","_type":"span","marks":[],"text":"So now we’ve covered the foundations, let’s compare when and why a Cash ISA or a Stocks & Shares ISA would be best for you."}],"markDefs":[],"style":"normal"},{"_key":"273401eaee47","_type":"block","children":[{"_key":"6d5b66a5030c","_type":"span","marks":[],"text":"What are you saving for?"}],"markDefs":[],"style":"h3"},{"_key":"6d25aa679f58","_type":"block","children":[{"_key":"fee62f02d816","_type":"span","marks":[],"text":"When deciding if a Cash ISA or a Stocks & Shares ISA is best for you, it helps to know exactly what you’re saving for in the first place, as this can be a deciding factor in which type of ISA is best suited to your needs."}],"markDefs":[],"style":"normal"},{"_key":"41a835c37575","_type":"block","children":[{"_key":"717148cfff4e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h4"},{"_key":"3af6ced1700f","_type":"prosConsWidget","prosTitle":"You don't have a specific financial goal in mind: Stocks & Shares ISA"},{"_key":"968d2d9987d9","_type":"block","children":[{"_key":"8b0aebb0f6eb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h4"},{"_key":"7cc62b350639","_type":"block","children":[{"_key":"2b17ba6295d5","_type":"span","marks":[],"text":"If you’ve got some extra income that you’d like to make the most out of - but don't mind tucking away for a while - then a Stocks & Shares ISA is a great way to see how far that can take you. You're not depending on this money for any critical goals, such as buying a house, so it's not necessarily the end of the world if the stock market takes a turn for the worse and you end up losing some of your capital. Plus, you're not going to need your money any time soon, so it's not a problem to you if you can't immediately withdraw your funds from your account."}],"markDefs":[],"style":"normal"},{"_key":"0061b666b175","_type":"block","children":[{"_key":"9ff10f3d3938","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"76f15fb854f5","_type":"prosConsWidget","prosTitle":"You have a specific financial goal in mind: Cash ISA"},{"_key":"1a1ac9f32133","_type":"block","children":[{"_key":"6b70dd532f8b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"20f6940548bc","_type":"block","children":[{"_key":"026c17e1e460","_type":"span","marks":[],"text":"However, if you have a specific and important goal in mind - like buying your first property or a new car - then a Cash ISA will give you a better sense of security as you're not exposed to the potential pitfalls of the stock market. Your money isn't subject to the same level of risk as it would be if it was invested, so Cash ISAs are a good fit if you want to save for something important, and it's usually much easier to withdraw your funds at short-notice than with a Stocks & Shares ISA."}],"markDefs":[],"style":"normal"},{"_key":"343722b61dcd","_type":"block","children":[{"_key":"77bfce689d48","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"57920c0d4ec9","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","alt":"Top tip: Lifetime ISAs","asset":{"_ref":"image-d7ee640a218dd0f3d251c4e2c570655322ae75d4-606x438-jpg","_type":"reference"}},"quote":[{"_key":"136e870b5078","_type":"block","children":[{"_key":"5608d68fc67f","_type":"span","marks":[],"text":"My top tip: If you're between 18-39 and saving to buy your first home or for retirement, consider opening a cash Lifetime ISA, which is similar to a Cash ISA but gives you the added bonus of a 25% government top-up every tax year!"}],"markDefs":[],"style":"normal"}]},{"_key":"35f3c1e35f8d","_type":"block","children":[{"_key":"291bae0791fc","_type":"span","marks":[],"text":"When will you need your money?"}],"markDefs":[],"style":"h3"},{"_key":"469fb76aaae3","_type":"block","children":[{"_key":"fdd62f488ae3","_type":"span","marks":[],"text":"Choosing between a Cash ISA and a Stocks & Shares ISA also comes down to when you think you'll need to access your money, as there are differences in how these two accounts work, so being clear on when you'll need to cash in can help you make a decision."}],"markDefs":[],"style":"normal"},{"_key":"290cb0b1ccda","_type":"block","children":[{"_key":"99eab8203734","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"28f069de16cb","_type":"prosConsWidget","prosTitle":"You won't need your money for a while: Stocks & Shares ISA"},{"_key":"a078657d88be","_type":"block","children":[{"_key":"5ec71d0c6a26","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cfd5ba3a06a0","_type":"block","children":[{"_key":"2ea16572e2a1","_type":"span","marks":[],"text":"Let's say you’re saving money to put towards retirement, so you can afford the one you've always dreamed of. Maybe you want to travel the world, or maybe you just want to make sure you're comfortable and won't have to worry about making ends meet. Longer timeframes like this are better suited to a Stocks & Shares ISA, where you can let your money accumulate interest over the years, and you aren't going to need to immediately access it at short-notice."}],"markDefs":[],"style":"normal"},{"_key":"99fd2ce865ac","_type":"block","children":[{"_key":"5821fa69c87a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6db94d5b6cd9","_type":"prosConsWidget","prosTitle":"You might need your money soon: Cash ISA"},{"_key":"a890bbbd01d5","_type":"block","children":[{"_key":"1672632fb73f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d21a8641cf85","_type":"block","children":[{"_key":"63ea6549cad4","_type":"span","marks":[],"text":"On the other hand, if you're saving for something a little bit nearer or more important on the horizon - a new car in the next year or two, or an emergency fund, for example - this is where a Cash ISA is more suitable. You can usually withdraw funds from a Cash ISA more quickly than with a Stocks & Shares ISA (typically around 1 working day, or immediately if you have an instant-access account!) and you won't need to wait around for your provider to retrieve money from any investments."}],"markDefs":[],"style":"normal"},{"_key":"0a380ac07884","_type":"block","children":[{"_key":"2cc43316656a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c52d5a80549","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","alt":"Top tip: Lifetime ISAs","asset":{"_ref":"image-d7ee640a218dd0f3d251c4e2c570655322ae75d4-606x438-jpg","_type":"reference"}},"quote":[{"_key":"136e870b5078","_type":"block","children":[{"_key":"55eef03bc33a","_type":"span","marks":[],"text":"My top tip: If you're building an emergency fund, an instant-access Cash ISA will let you earn interest on your savings while also giving you the freedom to withdraw your funds immediately whenever you need it!"}],"markDefs":[],"style":"normal"}]},{"_key":"489d365f1846","_type":"block","children":[{"_key":"9701d0157a2c","_type":"span","marks":[],"text":"The right ISA for your financial goals"}],"markDefs":[],"style":"h2"},{"_key":"b383a2536e04","_type":"block","children":[{"_key":"d11425f09046","_type":"span","marks":[],"text":"There are lots of reasons why you might want to open an ISA. Here are some common financial goals you may be aiming for and which type of ISA would be best for you."}],"markDefs":[],"style":"normal"},{"_key":"99b286d424d6","_type":"block","children":[{"_key":"40a2f4602f19","_type":"span","marks":[],"text":"Buying your first home: Cash ISA or Cash LISA"}],"markDefs":[],"style":"h4"},{"_key":"a8c9087913e7","_type":"block","children":[{"_key":"74299f058da9","_type":"span","marks":[],"text":"This is an important milestone for many of us, so you want to make sure you’ve got the security that a Cash ISA provides so you don’t end up losing any money. An even better choice would be a Cash LISA, however, so you can benefit from the free 25% government top-up every tax year – just remember you can only deposit £4,000 per year, so this only really works if you’re going to be saving at a slow pace anyway. If you've got good momentum behind saving for a deposit, stick with a trusty Cash ISA instead."}],"markDefs":[],"style":"normal"},{"_key":"b314c42d6f24","_type":"block","children":[{"_key":"b181aa78a72f","_type":"span","marks":[],"text":"Saving for retirement: Stocks & Shares ISA or Stocks & Shares LISA"}],"markDefs":[],"style":"h4"},{"_key":"c4bc02bca627","_type":"block","children":[{"_key":"6f8f12e590f3","_type":"span","marks":[],"text":"Saving up for later life is typically a faraway financial goal, and when you’ve got decades of time on your hands, it makes sense to take advantage of stock market growth - which, historically, has given better returns than cash. If markets take a turn for the worse and you’d prefer to switch to cash, you can always transfer your funds into a Cash ISA, but sometimes sticking it out for the long run is worth the wait. Alternatively, you can also use a LISA for your retirement savings, and you can even choose a Stocks and Shares LISA to get the best of both worlds."}],"markDefs":[],"style":"normal"},{"_key":"30c70c94bdac","_type":"block","children":[{"_key":"9e7978d99452","_type":"span","marks":[],"text":"Saving for a big holiday: Cash ISA"}],"markDefs":[],"style":"h4"},{"_key":"fce1aa0b5cc8","_type":"block","children":[{"_key":"4b6b6adfc42a","_type":"span","marks":[],"text":"Desperate for a holiday ASAP? Use a Cash ISA to put money away as and when you can. This is also a great opportunity to try out budgeting apps such as "},{"_key":"e09f1e6e074f","_type":"span","marks":["50a56d2b438f"],"text":"Plum"},{"_key":"8547e7dcf5ba","_type":"span","marks":[],"text":" or "},{"_key":"d29bdbb3ce4f","_type":"span","marks":["9d5d98de759a"],"text":"Moneybox"},{"_key":"924aaddd80d3","_type":"span","marks":[],"text":", where you can separate your savings into different pots for different purposes. You can even enable handy \"round-up\" functions, which round up every transaction you make to the nearest pound and put the difference into your chosen pot. You'd be surprised how much you can put away each month if you leave it to the apps to crunch the numbers for you."}],"markDefs":[{"_key":"50a56d2b438f","_type":"internalLinkPick","reference":{"_ref":"3f877e48-d933-4086-ad68-3a8eefd9b089","_type":"reference"}},{"_key":"9d5d98de759a","_type":"internalLinkPick","reference":{"_ref":"48eefe98-4387-47be-9a78-b88e7313c646","_type":"reference"}}],"style":"normal"},{"_key":"4cd4e7345249","_type":"block","children":[{"_key":"4862c44e692d","_type":"span","marks":[],"text":"Putting money away for your kids/grandkids: Cash JISA or Stocks & Shares JISA"}],"markDefs":[],"style":"h4"},{"_key":"1f28c9fd374d","_type":"block","children":[{"_key":"820c39e33887","_type":"span","marks":[],"text":"If you’re putting some money away for a lucky little one’s next birthday, then a Cash ISA is the way to go, but a longer-term goal – such as a 21st birthday present - would be better suited to a Stocks & Shares ISA. This is also when the Junior ISA emerges as a great alternative. You can save up to £9,000 each year without paying any tax, for the kids to get their hands on once they turn 18. You can pick a Cash or a Stocks & Shares version, but if you've got a lot of time before that all-important 18th birthday, go for a Stocks & Shares JISA."}],"markDefs":[],"style":"normal"},{"_key":"b34b79a06e5c","_type":"block","children":[{"_key":"a75eed82370c","_type":"span","marks":[],"text":"Buying a car: Cash ISA"}],"markDefs":[],"style":"h4"},{"_key":"6a4dfde1af56","_type":"block","children":[{"_key":"f808cc97cbde","_type":"span","marks":[],"text":"Buying a car is a pretty big and important investment, especially if you’re not in a position where you can use public transport to get around day to day. You won’t want to save up thousands of pounds just to lose it if the stock market decides to take a dip! Stick with a Cash ISA to be safe, and you'll also benefit from being able to quickly withdraw your funds if your existing vehicle kicks the bucket and you need to quickly finance a replacement."}],"markDefs":[],"style":"normal"},{"_key":"2b960ca87573","_type":"block","children":[{"_key":"dda56b6659f6","_type":"span","marks":[],"text":"Trying out investing: Stocks & Shares ISA"}],"markDefs":[],"style":"h4"},{"_key":"2a6873ce0b2d","_type":"block","children":[{"_key":"893443c6b816","_type":"span","marks":[],"text":"If you’re curious about investing, don’t want to tackle the various and confusing tax rules that come with it, and are only going to invest up to a maximum of £20,000 per year, then a Stocks & Shares ISA is the right ISA for you. Just remember that if you want to quickly withdraw your money, you might have to wait a few weeks for your provider to retrieve the cash that's been invested. "}],"markDefs":[],"style":"normal"},{"_key":"2ade741057f9","_type":"block","children":[{"_key":"83ba8479cfaa","_type":"span","marks":[],"text":"The best Stocks & Shares ISAs"}],"markDefs":[],"style":"h2"},{"_key":"e14885cec71b","_type":"block","children":[{"_key":"a94f1c5d450e","_type":"span","marks":[],"text":"If you’ve decided a Stocks & Shares ISA is the one for you, make sure you head over to our ISA comparison tables to see which providers have our - and our readers' - seal of approval."}],"markDefs":[],"style":"normal"},{"_key":"10d70127247a","_type":"block","children":[{"_key":"4798723d042e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"064d402a187a","_type":"block","children":[{"_key":"6e4d9ce4293e","_type":"span","marks":["strong"],"text":"Find the best ISA for you!"}],"markDefs":[],"style":"normal"}],"_key":"6d5c81163f27","_type":"ctaWidget","openNewTab":true,"reference":{"_ref":"1b584fe9-c769-434f-9c4b-d57c0ef37a5c","_type":"reference"},"text":"COMPARE PROVIDERS"}],"brazeCustomAttributes":[{"_key":"b2aa4f4a1150","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_ISA_Articles","customAttributeValue":"https://www.boringmoney.co.uk/hub/isas/articles/cash-isa-vs-stocks-shares-isa-which-should-you-choose/"}],"brazeSubscriptionGroupId":"dc27e200-5731-45c1-84f8-f96665978236","brazeSubscriptionRef":null,"categories":[{"_key":"07b36acfb472","_ref":"93c8563a-3c8a-440c-aa52-1792f61017f3","_type":"reference"},{"_key":"cab88f382b48","_ref":"39d2ca7f-4862-4ab2-b902-0bf10f1d4c34","_type":"reference"}],"emailSignupWidgetButtonText":"SIGN UP","emailSignupWidgetImage":{"_type":"mainImage","alt":"Gated content"},"enableGatedContent":false,"excerpt":[{"_key":"394cfac44981","_type":"block","children":[{"_key":"3b5fb065e8f5","_type":"span","marks":[],"text":"Deciding between a Cash ISA and a "},{"_key":"722c02bfbefe","_type":"span","marks":["5e0385d31f7f"],"text":"Stocks & Shares ISA"},{"_key":"52c9f2922f49","_type":"span","marks":[],"text":" can be a tricky task. Before we dive into the specifics, let’s make sure we’ve got a good grasp of the basics."}],"markDefs":[{"_key":"5e0385d31f7f","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"f674fb95851c","_type":"block","children":[{"_key":"701000262efb","_type":"span","marks":[],"text":"Deciding between a Cash ISA and a "},{"_key":"b39a12aa7553","_type":"span","marks":["d4367e7de755"],"text":"Stocks & Shares ISA"},{"_key":"c0125833a7cc","_type":"span","marks":[],"text":" can be a tricky task. Before we dive into the specifics, let’s make sure we’ve got a good grasp of the basics. Do you know how the different types of ISA work? What’s the difference between a Cash ISA and a Stocks & Shares ISA? 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"}],"markDefs":[],"style":"normal"},{"_key":"6ecfac0706cb","_type":"block","children":[{"_key":"0bdc9cd9b4c4","_type":"span","marks":[],"text":"They are designed to recognise the best investment platforms and providers in the UK across a range of categories - from Stocks & Shares ISAs, pensions, digital investment apps, and customer experience. 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For the 2026-27 tax year, the full New State Pension is £241.3 a week or £12,548 a year."}],"markDefs":[],"style":"normal"},{"_key":"d853eb36c9d0","_type":"block","children":[{"_key":"20d0c42ffe3d","_type":"span","marks":[],"text":"You must have paid NI contributions for a minimum of 10 years to qualify for any New State Pension and you must have 35 years of contributions to qualify for the full New State Pension."}],"markDefs":[],"style":"normal"},{"_key":"3addcfdf23b8","_type":"block","children":[{"_key":"4d8c1b68d2f8","_type":"span","marks":[],"text":"If you have fewer than the minimum number of 35 qualifying years of NI contributions, the amount of New State Pension you receive will be less than the full £232.25 a week."}],"markDefs":[],"style":"normal"},{"_key":"e22786b3848d","_type":"block","children":[{"_key":"a7133f414f6b","_type":"span","marks":[],"text":""},{"_key":"65554faee71b","_type":"mainAnchor","pageAnchor":{"_ref":"7293ea82-9217-4cdc-85f4-5bce05105700","_type":"reference"}},{"_key":"2f8fa2b440d3","_type":"span","marks":[],"text":"Basic State Pension"}],"markDefs":[],"style":"h3"},{"_key":"f5fe24f35ba4","_type":"block","children":[{"_key":"164562c21d600","_type":"span","marks":[],"text":"If you're a man born after 6 April 1945 and before 6 April 1951 or a woman born after 5 April 1950 and before 6 April 1953, you are entitled to the Basic State Pension. 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It will tell you:"}],"markDefs":[],"style":"normal"},{"_key":"651f02928d7e","_type":"block","children":[{"_key":"979940ea061b","_type":"span","marks":[],"text":"How much State Pension you will get"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"18186eb9edb0","_type":"block","children":[{"_key":"2072940565d7","_type":"span","marks":[],"text":"When you will get your first State Pension payments"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"40c5acf102fd","_type":"block","children":[{"_key":"f698f2c4576b","_type":"span","marks":[],"text":"How to increase your State Pension entitlement (if you can)"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"aacd45654c3d","_type":"block","children":[{"_key":"ae7175d61286","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"18fc74d3d68f","_type":"block","children":[{"_key":"ec745ff208f5","_type":"span","marks":["strong"],"text":"Check your State Pension forecast"}],"markDefs":[],"style":"normal"}],"_key":"04d7ac3b2389","_type":"ctaWidget","openNewTab":true,"reference":{"_ref":"2e7d1f0a-6c48-4c71-984e-0c90a29cc169","_type":"reference"},"text":"START NOW"},{"_key":"a7f1deabdaae","_type":"block","children":[{"_key":"7f78a15bdded","_type":"span","marks":[],"text":""},{"_key":"baea572d5d85","_type":"mainAnchor","pageAnchor":{"_ref":"9d58fb8d-a777-4857-9bcf-d814c57968e5","_type":"reference"}},{"_key":"db0fac03c483","_type":"span","marks":[],"text":"How can I increase my State Pension entitlement?"}],"markDefs":[],"style":"h2"},{"_key":"ab30d2ee9402","_type":"block","children":[{"_key":"4330008c90a00","_type":"span","marks":[],"text":"Many people will have gaps in their NI contribution records - thanks to childcare, illness, unemployment or just other life stuff getting in the way - and therefore may not be eligible for the full State Pension amount. The good news is that you can pay to plug the gaps - by getting 'credits' – which you can use to top up your NI contributions and get yourself more State Pension."}],"markDefs":[],"style":"normal"},{"_key":"806325d8df69","_type":"block","children":[{"_key":"c005c2fd3bfc0","_type":"span","marks":[],"text":"Previously, individuals of a certain age were able to pay to fill gaps in their NI contribution record dating back to 2006 in exchange for more State Pension. This was eligible for men born after 5 April 1951 and women born after 5 April 1953. However, as at 6 April 2025, you can only plug gaps going back six tax years."}],"markDefs":[],"style":"normal"},{"_key":"da9f749ab845","_type":"block","children":[{"_key":"b7cfad9df32e","_type":"span","marks":[],"text":"Filling gaps in your NI record will cost you approximately £824 per year (partial years cost less). For each year you fill, you get an extra 1/35th of State Pension - which works out at around £342. This means you effectively earn your money back in around three years, so it can prove very good value."}],"markDefs":[],"style":"normal"},{"_key":"8cd4364db97f","_type":"block","children":[{"_key":"9239ee6a43750","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"56697684a825","_type":"block","children":[{"_key":"31341414c2ff","_type":"span","marks":["strong"],"text":"How can I top up my State Pension entitlement?"}],"markDefs":[],"style":"normal"}],"_key":"64df4e709838","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"7fb165cd-6350-4acf-853c-9020f0c1a257","_type":"reference"},"text":"FIND OUT"},{"_key":"acf529478d09","_type":"block","children":[{"_key":"159480505970","_type":"span","marks":[],"text":""},{"_key":"37f88c7d8f65","_type":"mainAnchor","pageAnchor":{"_ref":"cb0b2053-702d-4be6-bf0a-e0ceab6b047c","_type":"reference"}},{"_key":"3a3d0f262fd7","_type":"span","marks":[],"text":"Can I defer my State Pension?"}],"markDefs":[],"style":"h2"},{"_key":"8cff65f63c0a","_type":"block","children":[{"_key":"cef657a610ba","_type":"span","marks":[],"text":"You don't get your State Pension automatically - you have to claim it from the government. You usually receive a letter no later than 8 weeks before you reach State Pension age telling you what to do. However, you don't have to take your State Pension at your State Pension age. You can put off receiving the payments and this can actually increase the amount you will get when you do claim it. "}],"markDefs":[],"style":"normal"},{"_key":"7a880b9e331b","_type":"block","children":[{"_key":"e29d7dc9abb2","_type":"span","marks":[],"text":"To defer your State Pension, you don't have to do anything as it will be automatically deferred until you claim it yourself. 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If you're self-employed, you're entitled to the State Pension just like everyone else. However, as eligibility is based on your NI contributions, self-employed people have to take extra care to make sure that they have paid the minimum amount of NI to qualify (and, if you're aiming for the full amount, make sure you hit the minimum threshold for that too). "}],"markDefs":[],"style":"normal"},{"_key":"7ec1c1bd7375","_type":"block","children":[{"_key":"2ea2e7115e55","_type":"span","marks":[],"text":"The government's MoneyHelper service has a great breakdown of how pensions work for self-employed people "},{"_key":"66b4762797ec","_type":"span","marks":["e4408cb38bde"],"text":"here"},{"_key":"ba5793ee7be3","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"e4408cb38bde","_type":"internalLinkPick","blank":true,"reference":{"_ref":"5f20efea-a891-4fb0-86af-5d55f29b4094","_type":"reference"}}],"style":"normal"},{"_key":"440c3b502bda","_type":"block","children":[{"_key":"cc46df665567","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"9f6b6ddfaef7","_type":"block","children":[{"_key":"4f5400914c82","_type":"span","marks":["strong"],"text":"Self-employed retirement tips: Top pension planning strategies"}],"markDefs":[],"style":"normal"}],"_key":"a9e10394854f","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"5775b807-ac97-4a04-8329-cb7734a2dbf9","_type":"reference"},"text":"READ MORE"},{"_key":"258a4c630c9c","_type":"block","children":[{"_key":"a4018b51b8a40","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"bcf37201964a","_type":"block","children":[{"_key":"70491d3dd0de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6a5441f4265e","_type":"block","children":[{"_key":"6d12e468e2df","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"be8a91e62ca6","_type":"block","children":[{"_key":"12394241aac1","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"c1bcbef06414","_type":"block","children":[{"_key":"0b983db2d8a7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"15dfd1fe514c","_type":"block","children":[{"_key":"12ddbc28d4c7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3ad611a543c0","_type":"block","children":[{"_key":"d003305d61bb","_type":"span","marks":["c05054648d51"],"text":"[1] Department for Work & Pensions, August 2025"}],"markDefs":[{"_key":"c05054648d51","_type":"internalLinkPick","blank":true,"reference":{"_ref":"fafbd3b6-6315-4636-9330-07d82be80ca5","_type":"reference"}}],"style":"normal"},{"_key":"f8790c237588","_type":"block","children":[{"_key":"d41b088b03b9","_type":"span","marks":["5b8890be315b"],"text":"[2] Department for Work & Pensions, August 2025"}],"markDefs":[{"_key":"5b8890be315b","_type":"internalLinkPick","blank":true,"reference":{"_ref":"fafbd3b6-6315-4636-9330-07d82be80ca5","_type":"reference"}}],"style":"normal"}],"brazeCustomAttributes":[{"_key":"ab4dc7ef3c7c","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_Article_Gated","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/state-pension/"}],"categories":[{"_key":"92f3bddfe459","_ref":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","_type":"reference"},{"_key":"950e4b769f8b","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"124cedb870dc","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"emailSignupWidgetButtonText":"SIGN UP","emailSignupWidgetImage":{"_type":"mainImage","alt":"Gated content"},"emailSignupWidgetParagraphText":"Join Boring Money for free today to make better money choices, whether using our guides, expert analysis, or comparison tools to find the best home for your money. Registering should take you less than a minute so its quick and painless.  ","enableGatedContent":true,"excerpt":[{"_key":"8f28db3d1dcc","_type":"block","children":[{"_key":"6e5e04ef3330","_type":"span","marks":[],"text":"Everything you need to know about the UK State Pension in 2025. Learn about eligibility, how to claim, get a forecast, and discover ways to increase your retirement income. Read our comprehensive guide."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"8082f61a2bf3","_type":"block","children":[{"_key":"d29336b353a0","_type":"span","marks":[],"text":"State Pension increases from April 2026 for those with sufficient National Insurance contributions."}],"markDefs":[],"style":"normal"},{"_key":"6188b5fae617","_type":"block","children":[{"_key":"b8a42b988830","_type":"span","marks":[],"text":"Many Britons unknowingly miss out due to gaps in their National Insurance records"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e306c77573b3","_type":"block","children":[{"_key":"d2bbf005fba1","_type":"span","marks":[],"text":"Readers will learn:"}],"markDefs":[],"style":"h3"},{"_key":"092c8e5ecebd","_type":"block","children":[{"_key":"1d13a0db95cb","_type":"span","marks":[],"text":"✅ How to check their State Pension forecast"}],"markDefs":[],"style":"normal"},{"_key":"eef47dcbeb99","_type":"block","children":[{"_key":"30d2a8b1d4cf","_type":"span","marks":[],"text":"🫙 Benefits of filling National Insurance gaps"}],"markDefs":[],"style":"normal"},{"_key":"793bdd050be7","_type":"block","children":[{"_key":"a51e41be6968","_type":"span","marks":[],"text":"Takeaways:"}],"markDefs":[],"style":"h3"},{"_key":"d37eec5e2c73","_type":"block","children":[{"_key":"5bd92cd232d7","_type":"span","marks":[],"text":"⬇️Missing contributions substantially reduce lifetime pension income"}],"markDefs":[],"style":"normal"},{"_key":"4e8028a9f67d","_type":"block","children":[{"_key":"a06c2fdfc5c0","_type":"span","marks":[],"text":"👔Special considerations for self-employed"}],"markDefs":[],"style":"normal"},{"_key":"d3a7f0f46436","_type":"block","children":[{"_key":"3794bbb3ba6a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7f0b055adfcc","_type":"block","children":[{"_key":"36a6abe9869a","_type":"span","marks":[],"text":"Understanding your personal National Insurance record is crucial. Those with career breaks, part-time work, or self-employment often have significant gaps."}],"markDefs":[],"style":"normal"},{"_key":"91d9f238b2af","_type":"block","children":[{"_key":"ce818e418b7d","_type":"span","marks":[],"text":"Our analysis shows incomplete contribution records result in considerably less income over retirement. The good news is these gaps can be filled."}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":true,"linkMenu":[{"_key":"9477ff2cb177","_ref":"27f51fe6-d359-4d7b-8a5b-8c8cdfe0eb6c","_type":"reference"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-8832d4a9735d5178ced01018a03168562eadc753-3840x2160-png","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"0fe54c86-7f69-4535-b156-e75043139535","_type":"reference"},"publishedAt":"2025-09-04T12:11:29.626Z","slug":{"_type":"slug","current":"state-pension"},"subfolder":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"template":"C-SB","textNextToKey":"Unlock this article to continue reading","title":"Your Complete Guide To The UK State Pension: Eligibility, How To Claim & More","widgets":[{"_key":"c026bdaec3a9","_ref":"7e9f7d04-d75d-4124-82b8-fdd3e833d0ff","_type":"reference"},{"_key":"35b66dfce4f6","_ref":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","_type":"reference"},{"_key":"7b52b079d5f7","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-ea9790d5-4b28-54a9-9924-9ea4cc829a79","children":[],"parent":null}}],"style":"normal"},{"_key":"0ab1a2f22a65","_type":"block","children":[{"_key":"bdb467a49f85","_type":"span","marks":[],"text":"Our Founder & CEO Holly Mackay explains the basics about SIPPs and why they're so attractive in the video below."}],"markDefs":[],"style":"normal"},{"_key":"33c9f7d9a9ed","_type":"block","children":[{"_key":"dc11efff45a4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5e0dc1dae8d7","_type":"mainVideo","url":"https://vimeo.com/834409504/"},{"_key":"1d8cbd5ed51e","_type":"block","children":[{"_key":"a7350b5202db","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4160dc071912","_type":"block","children":[{"_key":"29fde48956cb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c25941e986b5","_type":"block","children":[{"_key":"c9144eaaca10","_type":"span","marks":[],"text":"Here are some of the main things you need to know about SIPPs:"}],"markDefs":[],"style":"normal"},{"_key":"cdb5dee345bf","_type":"block","children":[{"_key":"94886fdff264","_type":"span","marks":[],"text":"You get to choose how your retirement savings are invested"}],"markDefs":[],"style":"h4"},{"_key":"d35ab0e8aeef","_type":"block","children":[{"_key":"9986ab7dc5cd","_type":"span","marks":[],"text":"There are dozens of SIPP providers on the market and there’s a huge range of investments you can select from, too. "},{"_key":"fe1de83f24df","_type":"span","marks":["c7543acc4588"],"text":"Shares"},{"_key":"4a12ff931861","_type":"span","marks":[],"text":", "},{"_key":"3cdc1d649cec","_type":"span","marks":["02752cc3a561"],"text":"funds"},{"_key":"73da5097dc5f","_type":"span","marks":[],"text":", "},{"_key":"e441c91e53aa","_type":"span","marks":["53d971adffc6"],"text":"bonds"},{"_key":"3ffd7b734354","_type":"span","marks":[],"text":", property... the mix and proportion of investments in your SIPP is down to which products and provider you choose. So every time you put some cash into your SIPP, you get to decide what investments to buy with your cash, and therefore you control how your retirement savings are deployed - neat!"}],"markDefs":[{"_key":"c7543acc4588","_type":"internalLinkPick","reference":{"_id":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"information","_rev":"iG7LJCIXmUyigSDTCeWuBs","_createdAt":"2021-06-22T10:37:39Z","_updatedAt":"2026-04-24T10:42:38Z","_system":{"base":{"id":"5b858673-70a9-4b94-bbfb-aec333a62ae9","rev":"OE33piSrLEszcsMfOsZaMB"}},"authors":[{"_key":"51b2fa4d444b","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"1a609e178132","_type":"block","children":[{"_key":"43b14faa8ddc","_type":"span","marks":["strong"],"text":"By Boring Money "}],"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 small slice of a company"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d6fd721e33fa","_type":"block","children":[{"_key":"678923f56f99","_type":"span","marks":[],"text":"Can be bought individually or as part of other products, such as "},{"_key":"89ceb45b1a6c","_type":"span","marks":["84721b33c79c"],"text":"funds"},{"_key":"9a01627063b6","_type":"span","marks":[],"text":", "},{"_key":"d07dc9ea82c7","_type":"span","marks":["6cf0634b52cc"],"text":"ETFs"},{"_key":"6dae4cb2b50c","_type":"span","marks":[],"text":" or "},{"_key":"81348edefda6","_type":"span","marks":["aa7e1918e3fc"],"text":"investment trusts"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"6cf0634b52cc","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}},{"_key":"aa7e1918e3fc","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}},{"_key":"84721b33c79c","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"982614bc184e","_type":"block","children":[{"_key":"3056c5772a6f","_type":"span","marks":[],"text":"Typically riskier than cash (especially if you only invest in a select 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 below."}],"markDefs":[],"style":"normal"},{"_key":"e9683ef541ea","_type":"block","children":[{"_key":"a4dd9b2bd85a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"996bf6bc4056","_type":"mainVideo","url":"https://vimeo.com/781082178"},{"_key":"14b6f2a99aeb","_type":"block","children":[{"_key":"ab9ca93ca293","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"331e2da9213a","_type":"block","children":[{"_key":"4c988b950ac7","_type":"span","marks":[],"text":"\nInvesting, at the heart of it, is about putting your money into businesses you believe have the potential to grow. This is where shares come in. They let us own a small slice of a company, so if they do well, so do we. And if they flop, we lose money."}],"markDefs":[],"style":"normal"},{"_key":"a0e51805f65c","_type":"block","children":[{"_key":"1d694591f0bd0","_type":"span","marks":[],"text":"Also known as stocks, or equities, shares exist to enable companies to raise money to fund their activity and growth. Individuals or companies buy shares, and give that company some money in return for ownership of a small piece of that business."}],"markDefs":[],"style":"normal"},{"_key":"059b41aceadf","_type":"block","children":[{"_key":"e2ce0bb15dbb0","_type":"span","marks":[],"text":"The thought process behind buying a share is no more complicated than what you see on Dragon's Den. You're the dragon trying to work out if you should invest in the company or not. But buying a single share can actually be a risky way to access the stock market. Why? Well, you're putting all your eggs in one basket."}],"markDefs":[],"style":"normal"},{"_key":"406e204d28d3","_type":"block","children":[{"_key":"8fe730591b110","_type":"span","marks":[],"text":"We spoke to a lady who was horrified that she bought M&S shares and they went down. \"I mean, it was M&S! They're really busy!\" Just because it's a big brand which looks safe and solid, doesn't necessarily mean they're making decent profits that year or tracking to plan. "}],"markDefs":[],"style":"normal"},{"_key":"a8166423face","_type":"block","children":[{"_key":"fb63eec8d60f","_type":"span","marks":[],"text":""},{"_key":"47a7d68d0f5b","_type":"mainAnchor","pageAnchor":{"_ref":"418e4e74-c858-4625-9d7a-8c06f7c6e4ad","_type":"reference"}},{"_key":"758bdfebe7ed","_type":"span","marks":[],"text":"Are shares right for me?"}],"markDefs":[],"style":"h2"},{"_key":"0deb8561d20a","_type":"block","children":[{"_key":"c181c818cb3f","_type":"span","marks":[],"text":"15% of UK adults own shares [1], but they're not the right sort of investment for everyone - especially if you're low on time or looking for an easy way to put your money behind several companies. Here's an overview of some of the main pros and cons of shares."}],"markDefs":[],"style":"normal"},{"_key":"db9f89042c3f","_type":"prosConsWidget","cons":["Want a global mix of investments ","Are time poor ","Will only choose 2 or 3!"],"consTitle":"Bad if you ","pros":["Actively follow the markets","Want to be in charge","Have time to dedicate to this "],"prosTitle":"Good if you "},{"_key":"c3a7ffeffbb7","_type":"block","children":[{"_key":"271a51c12db2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5b2ffecea1c4","_type":"block","children":[{"_key":"05c92c04fca2","_type":"span","marks":[],"text":""},{"_key":"4bc185b25eec","_type":"mainAnchor","pageAnchor":{"_ref":"126f92a2-61db-45bc-9444-4172007cc99b","_type":"reference"}},{"_key":"41d53cf47ed5","_type":"span","marks":[],"text":"Cash vs shares"}],"markDefs":[],"style":"h2"},{"_key":"bd1126eb98eb","_type":"block","children":[{"_key":"0612752e8969","_type":"span","marks":["strong"],"text":"If you had put £10,000 away in 2015, what would it be worth by the end of September 2025?"}],"markDefs":[]},{"_key":"a5368c85fe2c","_type":"block","children":[{"_key":"da32cdb4e3ce","_type":"span","marks":[],"text":"The graph below shows you a recent example of how cash has performed compared to stock market shares. For the purposes of this illustration, we've looked at the growth of a single £10,000 lump sum investment in cash and in two stock market indices: the "},{"_key":"c79b9014dcc5","_type":"span","marks":["4b175e3b60cd"],"text":"FTSE 100"},{"_key":"31e14e27f0b1","_type":"span","marks":[],"text":" and "},{"_key":"fa15bb1b35a8","_type":"span","marks":["ccbe1340ca9f"],"text":"MSCI World"},{"_key":"5e096fa1dd9d","_type":"span","marks":[],"text":" (you can read more about these below the image)."}],"markDefs":[{"_key":"4b175e3b60cd","_type":"glossaryPick","reference":{"_ref":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"reference"}},{"_key":"ccbe1340ca9f","_type":"glossaryPick","reference":{"_ref":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"reference"}}],"style":"normal"},{"_key":"a8cf71d02792","_type":"block","children":[{"_key":"d84597919bbd","_type":"span","marks":[],"text":"It's clear to see that leaving your money in cash (pink) led to significantly less growth over the period between 2015-2025 than if you had invested in stock markets. And although the British FTSE 100 Index (blue) didn't perform quite as well as MSCI World (green), it still climbed to £2,182 - compared to gains of just £1,180 from cash over the same time period. Of course, these numbers look measly compared to MSCI World's impressive £3,348 gain."}],"markDefs":[],"style":"normal"},{"_key":"eacbefb8908a","_type":"block","children":[{"_key":"7186a99d615e","_type":"span","marks":[],"text":"NB: The dip you can see after Q4 2019 reflects the start of the COVID-19 pandemic and subsequent global lockdowns."}],"markDefs":[],"style":"normal"},{"_key":"b33adb272cf6","_type":"frameWidget","href":"https://www.canva.com/design/DAG7OFE42_c/V25AjrWXM8szDDn7pZL9bg/view?embed"},{"_key":"9898bcddeff8","_type":"block","children":[{"_key":"2f05e2427ec8","_type":"span","marks":["em"],"text":"Source: FE FundInfo. "}],"markDefs":[],"style":"small"},{"_key":"906d1a3db60a","_type":"block","children":[{"_key":"b29deef19a8e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d745e25d9983","_type":"block","children":[{"_key":"d611edb2ae67","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"adb9f4083d5c","_type":"block","children":[{"_key":"22374dbfb4fe","_type":"span","marks":[],"text":""},{"_key":"c07bbbc35194","_type":"mainAnchor","pageAnchor":{"_ref":"223c3cb3-164a-4144-b7ec-60a049133752","_type":"reference"}},{"_key":"91a17272db40","_type":"span","marks":[],"text":"Will shares outperform cash in the next 10 years?"}],"markDefs":[],"style":"h2"},{"_key":"15bd2c48638c","_type":"block","children":[{"_key":"d367b10febfa","_type":"span","marks":[],"text":"Just like the weather, it's impossible to predict what the future holds. All we can do is show what has happened in the past. Shares are a bumpier ride than cash – and not a short-term thing. Anyone who says they can guarantee you'll make money is probably lying. There are risks. But research tells us that shares have done better than cash 9 times out of 10 over any 10 year period since the stock markets began."}],"markDefs":[],"style":"normal"},{"_key":"e51d6e72bf95","_type":"block","children":[{"_key":"9b843e253e7f0","_type":"span","marks":[],"text":"You buy and sell them on the stock market and, just like eBay, people make bids and offers. But it all happens super fast. Prices bounce up and down and at the end of the day it all comes down to sentiment – if loads of people want a slice of the action and these things are flavour of the month (think Nintendo after Pokemon Go), then prices rise as the sellers get a bit cockier. If people get turned off and the share in question is uncool, then everyone tries to offload them and the asking price falls."}],"markDefs":[],"style":"normal"},{"_key":"2c5c408f7745","_type":"block","children":[{"_key":"5517dd075cf1","_type":"span","marks":[],"text":"Curious about what's got investors' interest this week? Catch up with Holly's award-winning blog every Friday for the low-down on what's going on in stock markets, how it could impact your finances, and some no-nonsense food for thought to help you make better money choices."}],"markDefs":[],"style":"normal"},{"_key":"f73008bb0852","_type":"block","children":[{"_key":"1330f0821be2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2ce8804a8fc7","_type":"emailSignupWidget","brazeCustomAttributes":[{"_key":"8b471fe69932","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_blog","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/shares/"}],"emailSignupWidgetButtonText":"SIGN UP","image":{"_type":"mainImage","alt":"Image of Boring Money CEO Holly Mackay","asset":{"_ref":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png","_type":"reference"}},"paragraphText":"Sign up for no-nonsense tips, tricks and food for thought every Friday!","thankYouText":[{"_key":"ee1425e50c90","_type":"block","children":[{"_key":"03c4926a2d3f","_type":"span","marks":[],"text":"Thank you for signing up!"}],"markDefs":[],"style":"normal"}],"title":"Want to get Holly's weekly blog straight to your inbox?"},{"_key":"b2dea6276185","_type":"block","children":[{"_key":"023c64412ca5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"28d3689c637a","_type":"block","children":[{"_key":"76733dfbfc45","_type":"span","marks":[],"text":""},{"_key":"0a9998a15f58","_type":"mainAnchor","pageAnchor":{"_ref":"b51797d9-dc13-41da-a375-b898f0a9e850","_type":"reference"}},{"_key":"0c127d60e2f30","_type":"span","marks":[],"text":"How can I buy shares?"}],"markDefs":[],"style":"h2"},{"_key":"104c6e83ed38","_type":"block","children":[{"_key":"c60e50ec6f020","_type":"span","marks":[],"text":"Rather than going to companies directly and asking to buy a share of their business, we access shares through a central market otherwise known as the Stock Exchange. Companies will 'list' on the Stock Exchange, which means anyone can buy or sell a share."}],"markDefs":[],"style":"normal"},{"_key":"6b952a371b27","_type":"block","children":[{"_key":"c96caa808e100","_type":"span","marks":[],"text":"The Stock Exchange can be accessed through online investment platforms, many of which are beginner-friendly. These platforms allow you to purchase a small percentage of some of the world's largest companies - this ranges from BP to HSBC, Apple to Samsung, and Microsoft to British Airways."}],"markDefs":[],"style":"normal"},{"_key":"22300cbe9ed3","_type":"block","children":[{"_key":"7a5c50542b870","_type":"span","marks":[],"text":"You can either buy individual shares directly - through an online broker or an investment platform - or purchase a fund in order to get exposure to dozens of shares in one fell swoop. If you're new to investing and don't know where to start, check out our hand-selected Best For Beginners award winners to see which providers we think are the best starting point."}],"markDefs":[],"style":"normal"},{"_key":"6edb4bdd89cb","_type":"block","children":[{"_key":"b8900097f7ce","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best For Beginners award winners "}],"markDefs":[],"style":"normal"}],"_key":"61821a40134b","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"b5821c35-fa71-43c3-8f89-cc7b29ad9030","_type":"reference"},"text":"CLICK HERE"},{"_key":"adc43eba0539","_type":"block","children":[{"_key":"fa3bf0ee3f7a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ea21677253e9","_type":"block","children":[{"_key":"67c0573a3e1a","_type":"span","marks":[],"text":""},{"_key":"d6fc0adcefb5","_type":"mainAnchor","pageAnchor":{"_ref":"81ce9ca2-c137-4518-a387-0704343a7403","_type":"reference"}},{"_key":"a3c5345fe75c0","_type":"span","marks":[],"text":"Buying bulk shares through a fund"}],"markDefs":[],"style":"h3"},{"_key":"e398386f79e3","_type":"block","children":[{"_key":"87b61ebbd9e70","_type":"span","marks":[],"text":"The concept of buying shares through a "},{"_key":"5d2b30ca7f3e","_type":"span","marks":["69d28fa112e1"],"text":"fund"},{"_key":"b1c54b0016d7","_type":"span","marks":[],"text":" is similar to buying a mixed case of wine. You don't have time to pick individual bottles, or you don't want the responsibility of choosing the best, so you let it be done for you. You're outsourcing the selection of individual components to someone else."}],"markDefs":[{"_key":"69d28fa112e1","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"338dc4e1da41","_type":"block","children":[{"_key":"a6c6dd0980fc0","_type":"span","marks":[],"text":"A single fund will usually house around 30-60 shares. Whilst someone else may have invested £1,000 into an individual share, a very small percentage of your £1,000 may be invested in the same company. If that business then takes a hit, you won't be so badly affected - the majority of your money is invested elsewhere. Basically, you are spreading your bets for security."}],"markDefs":[],"style":"normal"},{"_key":"ed31383984b8","_type":"block","children":[{"_key":"db372dca686d0","_type":"span","marks":[],"text":"When investing through a fund, you are unlikely to have to pay trading or transaction fees. You will, however, encounter management fees throughout the duration of your investment. If you want to buy a few shares or a fund, then it's usually best to open up an account online and use your annual tax-free "},{"_key":"299e331da67d","_type":"span","marks":["3b82ca551e01"],"text":"ISA"},{"_key":"3e0755bd3239","_type":"span","marks":[],"text":" allowance if you can."}],"markDefs":[{"_key":"3b82ca551e01","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"},{"_key":"84839ede04c6","_type":"block","children":[{"_key":"3f2cb72aaf06","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best Buy ISAs for your investing needs"}],"markDefs":[],"style":"normal"}],"_key":"ac4d4573cacf","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"5027ed98-4e53-4e94-8fc1-9d370b15dd5c","_type":"reference"},"text":"CLICK HERE"},{"_key":"92e08f9b828e","_type":"block","children":[{"_key":"d1d42ee1879b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dc479e2b8db6","_type":"block","children":[{"_key":"7222f974db16","_type":"span","marks":[],"text":""},{"_key":"399f39b611a8","_type":"mainAnchor","pageAnchor":{"_ref":"bd7d91db-0143-49c9-b079-df3872327a31","_type":"reference"}},{"_key":"a6579f69575f0","_type":"span","marks":[],"text":"Buying individual shares directly"}],"markDefs":[],"style":"h3"},{"_key":"b3155957d51f","_type":"block","children":[{"_key":"a1c8070511b00","_type":"span","marks":[],"text":"When buying individual shares directly, you will encounter trading costs. You will typically encounter about £10 a pop, and 0.5% stamp duty to the government. This can accumulate to become an expensive way of buying small shares. The upside is that after initial purchase, you will not have to pay management fees as you would have with a fund - there's nothing to manage."}],"markDefs":[],"style":"normal"},{"_key":"19188e074c4d","_type":"block","children":[{"_key":"3edc6186140b0","_type":"span","marks":[],"text":"Buying a couple of individual shares is a risky way to get exposure to the markets - especially for less experienced investors. You have all of your investment tied into one or two businesses. If it goes badly for them, you're in trouble."}],"markDefs":[],"style":"normal"},{"_key":"c1ea16d293cf","_type":"block","children":[{"_key":"a0d9ca4cc8680","_type":"span","marks":[],"text":"This method is good for people who like to take an interest in the market, are time-rich, and confident to make decisions themselves. Shares are not so good if you are busy, don’t feel expert in this subject, or will only pick shares in companies you know and love."}],"markDefs":[],"style":"normal"},{"_key":"14b7bafe231d","_type":"block","children":[{"_key":"784213c5029c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best For Share Traders award winners"}],"markDefs":[],"style":"normal"}],"_key":"9141a0d45cf4","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"2d69df37-02bf-43eb-aed4-2624da81fbf6","_type":"reference"},"text":"CLICK HERE"},{"_key":"3135ea061a1a","_type":"block","children":[{"_key":"2d049f7f9571","_type":"span","marks":[],"text":"------"}],"markDefs":[],"style":"normal"},{"_key":"e4ce4c0148b1","_type":"block","children":[{"_key":"03f7ad822c7e","_type":"span","marks":[],"text":"[1] Online Investing Report, "},{"_key":"ec4be879d4a9","_type":"span","marks":["8cee69180130"],"text":"Boring Money "}],"markDefs":[{"_key":"8cee69180130","_type":"internalLinkPick","reference":{"_ref":"63b42a1b-dc9a-40bb-8a62-f580487de19e","_type":"reference"}}],"style":"normal"}],"categories":[{"_key":"171e98dc55ea","_ref":"9338f25b-7551-48c3-afff-03e9bc5608c3","_type":"reference"},{"_key":"912294bd8e37","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"0551e4791b33","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"},{"_key":"1287b6c4ce2e","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"excerpt":[{"_key":"947232828c12","_type":"block","children":[{"_key":"dd7bb8ce2ec7","_type":"span","marks":[],"text":"Shares simply let us own a small slice of a company. If they do well, so do we. If they flop, we lose money. Also known as stocks, or equities, shares exist to enable companies to raise money to fund their activity and growth."}],"markDefs":[],"style":"normal"}],"linkMenu":[{"_key":"ab3de5ca4b81","_ref":"a8e07a65-4c89-4487-8d36-74e328e9b292","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":"shares","asset":{"_ref":"image-e3cb48c2ce818fdd386c33daf36be5d713f09696-3840x2160-png","_type":"reference"}},"pageBreadcrumb":{"_ref":"607e940b-a7e0-4ec1-a5fa-7ee603b14620","_type":"reference"},"publishedAt":"2025-12-11T16:43:20.418Z","slug":{"_type":"slug","current":"shares"},"subfolder":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"template":"SB-C","title":"Shares Explained: A Beginner’s Guide to Buying and Investing in Stocks","widgets":[{"_key":"784de124229e","_ref":"79cbfce0-99a3-451e-82d4-c0b6a4487777","_type":"reference"},{"_key":"6e44d89729b2","_ref":"2d98a13f-5211-453c-be9e-9785894654db","_type":"reference"},{"_key":"59aabf5d8de0","_ref":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","_type":"reference"},{"_key":"ea6e2095c7dc","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-51fe97e3-1e21-50cd-9dc2-d21bd0716ede","children":[],"parent":null}},{"_key":"02752cc3a561","_type":"internalLinkPick","reference":{"_id":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"information","_rev":"vIm9lhvf1eHBOprgleGFQF","_createdAt":"2021-06-22T10:49:30Z","_updatedAt":"2025-09-01T10:07:48Z","_system":{"base":{"id":"0bc8b13d-830e-4469-8ffe-6af27456b538","rev":"0iD6p61whJS2ZGE5T7VEFt"}},"authors":[{"_key":"9b488bad30a4","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"728ad57473cb","_type":"block","children":[{"_key":"150f7b31de0a","_type":"span","marks":[],"text":"By "},{"_key":"e55603603258","_type":"span","marks":["strong"],"text":"Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"e8df298b8c6b","_type":"anchorMenuMobile","title":"menu"},{"_key":"9473358fe106","_type":"block","children":[{"_key":"17cf1610cca6","_type":"span","marks":[],"text":""},{"_key":"91398572c6f0","_type":"mainAnchor","pageAnchor":{"_ref":"c092d7ca-1d59-4a6f-ae22-c1659dda889d","_type":"reference"}},{"_key":"6f92bc92429a","_type":"span","marks":[],"text":"What is a fund?"}],"markDefs":[],"style":"h2"},{"_key":"4f9ee0028862","_type":"block","children":[{"_key":"f102b7d00c72","_type":"span","marks":[],"text":"In a nutshell"}],"markDefs":[],"style":"h3"},{"_key":"e79c63c327eb","_type":"textboxWidget","text":[{"_key":"2121178f0ee6","_type":"block","children":[{"_key":"7d6a9f190010","_type":"span","marks":[],"text":"There are typically about 30-60 \"underlying investments\" in one fund"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d2a481641270","_type":"block","children":[{"_key":"22684174f3fa","_type":"span","marks":[],"text":"On average a single fund will cost about 0.75% in fees a year"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f3e088b52195","_type":"block","children":[{"_key":"d6ad20196bad","_type":"span","marks":[],"text":"Often a safer bet to invest than simply buying a few shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"216dcb5302ec","_type":"block","children":[{"_key":"9dd73649798a","_type":"span","marks":[],"text":"You can buy funds and put them in an ISA to keep your profits tax-free"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"97a80376b0f3","_type":"anchorMenuMobile","title":"s"},{"_key":"1653fdfc2af4","_type":"block","children":[{"_key":"2e2b2ab98724","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1b8d971c911d","_type":"block","children":[{"_key":"4507568d3a70","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. In other words, they're a great way to avoid making a clanger by choosing one duff share! Great for diversifying, investing overseas and for outsourcing the decision-making to a professional. "}],"markDefs":[],"style":"normal"},{"_key":"046672293a3e","_type":"block","children":[{"_key":"e15da747ad50","_type":"span","marks":[],"text":"Listen to our Founder & CEO Holly Mackay explain more about why funds are awesome in the helpful clip below."}],"markDefs":[],"style":"normal"},{"_key":"41b247f7f7f1","_type":"block","children":[{"_key":"1425f286ae8d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ee4659f373e2","_type":"mainVideo","url":"https://vimeo.com/829075140"},{"_key":"612f1e2f4f5c","_type":"block","children":[{"_key":"8b8077238e30","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8fde23f3fe04","_type":"block","children":[{"_key":"509c2688d6bd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3d8fbfc7b050","_type":"block","children":[{"_key":"32a1c0b03ecc","_type":"span","marks":[],"text":"A single fund will typically have about 30-60 different \"underlying investments\" in it. This spreads the risk around and hedges your bets, so rather than having to go and buy 30-60 individual shares all by yourself, you can just buy one fund and be done with it!"}],"markDefs":[],"style":"normal"},{"_key":"e8ce2e0fe91f","_type":"block","children":[{"_key":"942f0caaddf8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f9d2b7cefb40","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Most investors have between about 8 and 16 different Funds to get a good mix and spread their bets around!"},"text":[{"_key":"4e12795ee2ca","_type":"block","children":[{"_key":"40e2815c5d05","_type":"span","marks":["strong"],"text":"Top tip: Most investors have between about 8 and 16 different funds to get a good mix and spread their bets around!"}],"markDefs":[],"style":"normal"}]},{"_key":"faec06074b53","_type":"block","children":[{"_key":"3f1ea2ce7311","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"29e8456aa90b","_type":"block","children":[{"_key":"12710694212a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"16c468186b94","_type":"block","children":[{"_key":"8aa0e26dff77","_type":"span","marks":[],"text":"You can think of investing in funds like buying a mixed case of wine - you don't have to be a connoisseur and someone else picks the contents they think are good. Funds come in lots of different flavours - such as multi-asset funds or exchange-traded funds. More on these later."}],"markDefs":[],"style":"normal"},{"_key":"90feae1f7eb6","_type":"block","children":[{"_key":"1915aec3fabb","_type":"span","marks":[],"text":""},{"__inline":true,"_key":"5ccd7b870fec","_type":"mainAnchor","children":[{"_key":"ut1xgBnP3A4eT38f4GGbAL","text":""}],"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"},"value":{"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"}}},{"_key":"3fc8bd064d62","_type":"span","marks":[],"text":"Are funds right for me?"}],"markDefs":[],"style":"h2"},{"_key":"f4e25a5df60e","_type":"block","children":[{"_key":"fa0bcaef29cd","_type":"span","marks":[],"text":"On average, investors hold 49% of their investments in funds, making them one of the most popular investment vehicles out there. But are funds really the right option for you? "}],"markDefs":[],"style":"normal"},{"_key":"fed979756bbe","_type":"block","children":[{"_key":"64b6ad599651","_type":"span","marks":[],"text":"If you prefer the freedom and flexibility of choosing which companies to invest in, shares may be a better choice. However, funds can also be highly diversified, which means your investments might be spread across different regions, sectors and assets. This reduces the risk of any one event, such as a political crisis in a single region, having a significant impact on your investments."}],"markDefs":[],"style":"normal"},{"_key":"e1ad6cc3a02a","_type":"block","children":[{"_key":"a8b55972e4dd","_type":"span","marks":[],"text":"So really it comes down to your personal preference. Here's a round-up of some of the main pros and cons to help you decide if investing in funds is the right choice for you."}],"markDefs":[],"style":"normal"},{"_key":"434d193075a7","_type":"block","children":[{"_key":"0e7fe5da01de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4bc700b962a5","_type":"prosConsWidget","cons":["Don't want to pay a fee","Want to pick your own shares","Want to trade regularly"],"consTitle":"Bad if you ","pros":["Want a broad mix of different shares","Want to invest abroad too","Aren't a whizz trader "],"prosTitle":"Good if you"},{"_key":"48067afe70fe","_type":"block","children":[{"_key":"0361b14633a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cec017f1a38c","_type":"block","children":[{"_key":"172137ada71e","_type":"span","marks":[],"text":""},{"_key":"de53e982c4a9","_type":"mainAnchor","pageAnchor":{"_ref":"60941be5-1a4f-426e-b588-7699bee46271","_type":"reference"}},{"_key":"87cf346319c6","_type":"span","marks":[],"text":"Why invest in a fund?"}],"markDefs":[],"style":"h2"},{"_key":"93dc72ad81a4","_type":"block","children":[{"_key":"3338ff4b26c50","_type":"span","marks":[],"text":"A fund is simply the compilation album of the investing world! It’s a nice way to get someone at the sharp end of finance to pick and manage your investments from the bewildering array of bonds and shares on the market. Let’s give a really simple example. "}],"markDefs":[],"style":"normal"},{"_key":"a9403754dc28","_type":"block","children":[{"_key":"01c95b2b86ac","_type":"span","marks":[],"text":"If we ran the Boring Money UK Shares Fund (which we don’t), we might look at all the UK shares out there and say that HSBC, Shell, ITV and GlaxoSmithKline make the grade. And add them to our investment mix. But chuck out Barclays and Burberry and Sainsburys (all random examples by the way, not tips!). "}],"markDefs":[],"style":"normal"},{"_key":"7669a7ac791c","_type":"block","children":[{"_key":"d7e81010a760","_type":"span","marks":[],"text":"We’d end up with, say, 50 shares in our compilation album, which we bought for £1 each in our pretend world. So our fund would be worth £50. And we might sell 50 units to people for £1 each. "}],"markDefs":[],"style":"normal"},{"_key":"786bce77dbb8","_type":"block","children":[{"_key":"da65bc2f373e","_type":"span","marks":[],"text":"The benefit is that for a small investment of just £1, our investors would have a teeny fraction of an investment in 50 different British companies. And we would run and manage this pool of investments for you - so no need to get the calculator out and crunch any numbers!"}],"markDefs":[],"style":"normal"},{"_key":"985ff58d82e6","_type":"block","children":[{"_key":"2ad32b5454aa","_type":"span","marks":[],"text":"There are thousands of funds out there, all with different flavours, and they're among the best ways to get expert help on picking the right investments."}],"markDefs":[],"style":"normal"},{"_key":"362c2e7dfc09","_type":"block","children":[{"_key":"d766349dbf40","_type":"span","marks":[],"text":""},{"_key":"364cd3c1e445","_type":"mainAnchor","pageAnchor":{"_ref":"a5632083-6993-47e2-9bc1-07d0a86ad84c","_type":"reference"}},{"_key":"0a68034d99f40","_type":"span","marks":[],"text":"The three main fund structures "}],"markDefs":[],"style":"h2"},{"_key":"4b7b2b21499a","_type":"block","children":[{"_key":"5d8b72478bbb","_type":"span","marks":[],"text":""},{"_key":"e02338579d1e","_type":"mainAnchor","pageAnchor":{"_ref":"bcd041ed-8ed5-4fc7-8abd-21ee28def30c","_type":"reference"}},{"_key":"6c2a9ecc53f30","_type":"span","marks":[],"text":"1. Mutual fund – also known as an open-ended fund, OEIC or UCITS fund"}],"markDefs":[],"style":"h3"},{"_key":"3460d916f7b2","_type":"block","children":[{"_key":"0325a805ebd40","_type":"span","marks":[],"text":"A mutual fund combines money from multiple investors, which a professional manager invests according to the fund’s goals, such as growth or income, often focusing on specific sectors like European stocks or technology. Being “open-ended,” the fund can adjust its shares based on investor activity, with its value matching the combined value of its holdings. Investors can monitor performance daily through services like Morningstar, comparing it to similar funds or benchmarks like the FTSE All Share for UK funds."}],"markDefs":[],"style":"normal"},{"_key":"9f8832eee9c7","_type":"block","children":[{"_key":"b0249a4aa624","_type":"span","marks":[],"text":""},{"_key":"777c7f3bd35c","_type":"mainAnchor","pageAnchor":{"_ref":"b8467767-7e11-4c31-bea1-aa9f5262781c","_type":"reference"}},{"_key":"6722e89ace4a","_type":"span","marks":[],"text":"2. ETF – or exchange-traded fund"}],"markDefs":[],"style":"h3"},{"_key":"ac1f21c74e0a","_type":"block","children":[{"_key":"189a0849a0f50","_type":"span","marks":[],"text":"ETFs, or Exchange-Traded Funds, are investment funds that provide low-cost, diversified access to various markets, similar to mutual funds. Unlike mutual funds, ETFs trade on stock exchanges, with their prices fluctuating throughout the day based on supply and demand. ETFs often aim to track specific assets, like major stock indices (e.g., S&P 500), commodities, or even currencies. They can be structured using \"physical\" methods (owning a bit of each asset in the index) or \"synthetic\" methods (using derivatives to mimic asset performance). ETFs can also offer leveraged or inverse options to enhance potential gains or bet against an asset's price. They are generally affordable, easy to trade, and flexible for various investment strategies."}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"6add2d498f76","_type":"block","children":[{"_key":"14d23d4bf09a","_type":"span","marks":["strong"],"text":"Discover more about ETFs and how they work"}],"markDefs":[],"style":"normal"}],"_key":"090c0fe4bbd4","_type":"ctaWidget","reference":{"_ref":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"reference"},"text":"ETF HUB"},{"_key":"3734671b2a32","_type":"block","children":[{"_key":"ebc0f19e9b3d0","_type":"span","marks":[],"text":"3. Investment Trusts"}],"markDefs":[],"style":"h3"},{"_key":"47687a68ef20","_type":"block","children":[{"_key":"22745b29c849","_type":"span","marks":[],"text":"Investment trusts are publicly listed companies that pool investors' money to buy shares, bonds, or other assets like property. Managed by a board that oversees the fund manager, they operate as \"closed-ended\" funds, meaning they don’t need to buy or sell assets as investors come and go. This structure suits less liquid investments, and they can also save income from strong years to pay out in weaker ones, offering a steadier return. Investors can buy shares at market prices, sometimes below the actual asset value, and have many options for building a diverse portfolio. Read more on how mutual funds compare to ETFs and Investment Trusts "},{"_key":"3ac6a8b34f46","_type":"span","marks":["bd12d349ce04"],"text":"here"},{"_key":"f569af0635c5","_type":"span","marks":[],"text":". \n"}],"markDefs":[{"_key":"bd12d349ce04","_type":"internalLinkPick","reference":{"_ref":"508b9184-a3ee-4f2c-b9cd-5c61ac88dfaa","_type":"reference"}}],"style":"normal"},{"LeftSideText":[{"_key":"bcb044ecf5ab","_type":"block","children":[{"_key":"ba7542cf4442","_type":"span","marks":["strong"],"text":"Find out all you need to know about Investment Trusts in our hub"}],"markDefs":[],"style":"normal"}],"_key":"c677d8dce5ad","_type":"ctaWidget","reference":{"_ref":"c4a944ee-6d37-4a32-ad78-476434729026","_type":"reference"},"text":"READ MORE"},{"_key":"90c958e3a76f","_type":"block","children":[{"_key":"58ff5f53dc6e","_type":"span","marks":[],"text":""},{"_key":"d942deccb966","_type":"mainAnchor","pageAnchor":{"_ref":"614ab4cf-e295-402a-90a2-ddce00934029","_type":"reference"}},{"_key":"45fae644733a","_type":"span","marks":[],"text":"Bonds vs shares"}],"markDefs":[],"style":"h2"},{"_key":"e90ad037fc44","_type":"block","children":[{"_key":"69fbf9a8af22","_type":"span","marks":[],"text":"When it comes to investing with funds, you'll often see the \"portfolio\" - that is, what the fund is actually invested in - broken down into different assets. The two most common assets are bonds and shares, but what actually are they?"}],"markDefs":[],"style":"normal"},{"_key":"112a4d6cbc9f","_type":"block","children":[{"_key":"c6616cbb00f7","_type":"span","marks":[],"text":"What is a bond?"}],"markDefs":[],"style":"h3"},{"_key":"55297b26fffd","_type":"block","children":[{"_key":"f9ec30e1d7d7","_type":"span","marks":[],"text":"Owning a bond is kind of getting an IOU from a government or a company – you buy their bond and you’re lending them money. The dicier the prospect of getting your cash back, the more ‘interest’ they will pay you to compensate for the risk. So an Ecuadorian mining company bond would pay a gazillion times more than the relatively staid UK government, for example. It’s a riskier loan so they’ll compensate you more for taking this extra risk. "}],"markDefs":[],"style":"normal"},{"_key":"ad246f1d9a03","_type":"block","children":[{"_key":"d33daf52853b","_type":"span","marks":[],"text":"Bonds are influenced by interest rates, so they’re behaving a bit weirdly at the moment. If you lend the UK government money for 10 years, they’ll pay you about 4% (at the time of writing). And inflation is hovering around the 10% mark. So you’ll see why bonds are paying attractive rates at the moment - the UK economy is currently grappling with the risk of high inflation!"}],"markDefs":[],"style":"normal"},{"_key":"66a2cb7a79bb","_type":"block","children":[{"_key":"f67dc90952da","_type":"span","marks":[],"text":"What is a share?"}],"markDefs":[],"style":"h3"},{"_key":"42ec8b2bfea7","_type":"block","children":[{"_key":"d7677c521ef0","_type":"span","marks":[],"text":"Shares are also known as ‘equities’ or ‘stocks’. If you own shares, you buy little pieces of the world’s biggest companies. And tie your fortunes to theirs. It's these shares that make up the majority of most funds. "}],"markDefs":[],"style":"normal"},{"_key":"87391d64e98f","_type":"block","children":[{"_key":"50f803a42246","_type":"span","marks":[],"text":"As a rule of thumb, most ‘equity’ focused funds will have about 40-60 shares in them, although some fund managers have fewer, sticking to their convictions more about which shares are duds and which ones are winners. "}],"markDefs":[],"style":"normal"},{"_key":"230865d11ff5","_type":"block","children":[{"_key":"81251b61e60c","_type":"span","marks":[],"text":"Shares are also one of the few investments where you can get a decent income. Companies often pay out a share of their profits as dividends. The key is to look for an ‘equity income’ fund. Pick the right one and you could get an income of around 3-4% a year!"}],"markDefs":[],"style":"normal"},{"_key":"06e377758cad","_type":"block","children":[{"_key":"d4019195a987","_type":"span","marks":[],"text":"The balance between bonds and shares"}],"markDefs":[],"style":"h3"},{"_key":"46cf69523ea8","_type":"block","children":[{"_key":"d519404d9cb6","_type":"span","marks":[],"text":"Many suggest diversifying, which means a sort-of Combo Meal of bonds "},{"_key":"a61d5d5863e0","_type":"span","marks":["em"],"text":"and "},{"_key":"2e722c7e508b","_type":"span","marks":[],"text":"shares. Over the long-term, bonds are usually seen as safer and less choppy than shares, but many believe they will make you less over the long-run too. On the other hand, the stock market can potentially make you profit over the longer-term, but can come with significant short-term risk."}],"markDefs":[],"style":"normal"},{"_key":"c973c0042a75","_type":"block","children":[{"_key":"c0025ecc2c48","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c1f67febb327","_type":"prosConsWidget","pros":["You're nearing retirement age","You're not keen on stock market risk"],"prosTitle":"BONDS are better for you if"},{"_key":"e27629a359a2","_type":"block","children":[{"_key":"e48f0db1ddad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a30ea1e3729e","_type":"prosConsWidget","pros":["You can tolerate the concept of stock market risk","You've got lots of time before you need to access your cash"],"prosTitle":"SHARES are better for you if"},{"_key":"03b6c39b6bf2","_type":"block","children":[{"_key":"1ee6f1df4158","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ed118f277297","_type":"block","children":[{"_key":"e3ed41cc210b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c4556aebdc3","_type":"block","children":[{"_key":"59b8e9cbba60","_type":"span","marks":[],"text":"As a general rule of thumb, if you’re a spring chicken and investing for ages in the future, you should probably look at "},{"_key":"0f04bd6e7f43","_type":"span","marks":["em"],"text":"mostly "},{"_key":"0a524dc1e267","_type":"span","marks":[],"text":"shares. If you’re getting on and likely to need your money soon, people typically prefer bonds because they’re less likely to crash as dramatically as shares, leaving you high and dry if you need to cash in your investments. "}],"markDefs":[],"style":"normal"},{"_key":"c44bbef6d561","_type":"block","children":[{"_key":"e1b0274abca3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f871776e39d7","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "},"text":[{"_key":"dc826f13da73","_type":"block","children":[{"_key":"92f0eb6df824","_type":"span","marks":["strong"],"text":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "}],"markDefs":[],"style":"normal"}]},{"_key":"f7d5fb36fe0f","_type":"block","children":[{"_key":"db6952c70b24","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19431081595a","_type":"block","children":[{"_key":"6e263f6e0c3f","_type":"span","marks":[],"text":""},{"_key":"394165043e4a","_type":"mainAnchor","pageAnchor":{"_ref":"f0e25e55-88ef-4bd3-96fb-2ea766606d57","_type":"reference"}},{"_key":"d81d41f1e8ee1","_type":"span","marks":[],"text":"Active vs passive"}],"markDefs":[],"style":"h2"},{"_key":"97fd1b6cacb5","_type":"block","children":[{"_key":"b1149c8e019a","_type":"span","marks":[],"text":"Another couple of phrases you'll often see when investing in funds is 'active' and 'passive', but as the world of finance is renowned for being full of jargon, no one ever seems to explain what these are! Here's what they actually mean and why they matter when deciding on the right fund for you."}],"markDefs":[],"style":"normal"},{"_key":"4f4328ace20e","_type":"block","children":[{"_key":"267b07472f39","_type":"span","marks":[],"text":"What is an active fund?"}],"markDefs":[],"style":"h3"},{"_key":"965f3e1b9c85","_type":"block","children":[{"_key":"7e7c85ce1d910","_type":"span","marks":[],"text":"Most funds in the market are what we call ‘active’. An active fund manager, by definition, thinks he or she is smarter than the average investor. A clever clogs. They think they can spot a bargain. Spot the dog before others. Identify the region that is about to go belly-up. So they pick and choose. If you buy an active fund which invests in shares, you'll usually pay a fee to the fund manager of about 75p-95p for every £100 you entrust to them. "}],"markDefs":[],"style":"normal"},{"_key":"dd074314f1cf","_type":"block","children":[{"_key":"e2405d675768","_type":"span","marks":[],"text":"What is a passive fund?"}],"markDefs":[],"style":"h3"},{"_key":"b9d2cd328e0c","_type":"block","children":[{"_key":"9da255300335","_type":"span","marks":[],"text":"Passive funds, on the other hand, are devoid of ego and opinion. They're the well-behaved end of the fund market. No one makes a call on whether Share A is better than Share B. They simply follow what we call an index - or a list of shares or bonds in any given market. They buy them in proportion to their size and no judgement calls are made. If you buy a passive fund which invests in shares, you'll usually pay a fee to the fund manager of about 8-12p for every £100 you entrust to them. It’s a lot cheaper because it’s run by a computer, rather than an expensive human. "}],"markDefs":[],"style":"normal"},{"_key":"365e8264db90","_type":"block","children":[{"_key":"faa5a312feb3","_type":"span","marks":[],"text":"How to decide between active vs passive funds"}],"markDefs":[],"style":"h3"},{"_key":"b8221aa671cb","_type":"block","children":[{"_key":"4799dbdc92b40","_type":"span","marks":[],"text":"There are pros and cons to each approach. Passive funds will tend to be cheaper and have performed well over much of the past decade as a result of strong performance from the technology giants (which form a large share of most capitalisation-weighted indices). However, they can have certain biases – the MSCI World has a 70%+ weighting to the US[2],  for example. Equally, bond indices can have higher weights in companies that have issued the most bonds – i.e. the most indebted. This can increase risk."}],"markDefs":[],"style":"normal"},{"_key":"611ac6f8c648","_type":"block","children":[{"_key":"d022771f72c90","_type":"span","marks":[],"text":"With active funds, there tends to be extremes. Some fund managers will be very successful and deliver better returns than the wider market, while others will find their analysis doesn’t pay off. Investors need to be willing to take a risk on the manager’s skill."}],"markDefs":[],"style":"normal"},{"_key":"c39c65e3ba8a","_type":"block","children":[{"_key":"3c62d7c5ecdd","_type":"span","marks":[],"text":"The jury is out on which is best, but passive funds will inherently return the average of any market. Some active funds will go further and smash it – but others will underperform and charge you for the privilege! So it depends on your risk appetite, among other things. Happy to sit back and copy what the markets do? Passive is for you. Want to leave it to the experts to crunch the numbers and try to outperform? Then try active.\n"}],"markDefs":[],"style":"normal"},{"_key":"ad85bfad7fcf","_type":"block","children":[{"_key":"3d022ec4e243","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"769a3bdcb210","_type":"emailSignupWidget","brazeSubscriptionGroupId":"80bb057b-016f-4c60-8fed-bc2199e56dc7","brazeSubscriptionRef":{"_ref":"75cfa314-bcb6-4835-9c3d-28febc21b8d6","_type":"reference"},"image":{"_type":"mainImage","alt":"Sign up here!"},"paragraphText":"Get the best-performing funds, market commentary and jargon free insight delivered straight to your inbox every month. Join our Fund Newsletter.\n","title":"Sign up here!"},{"_key":"9082b2e04f18","_type":"block","children":[{"_key":"eca87e721854","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ed19b6fc9ee","_type":"block","children":[{"_key":"0ee0c876052d","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"1fdae174a2eb","_type":"block","children":[{"_key":"4e62aed3fa81","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3aafc66da691","_type":"block","children":[{"_key":"7eacb7f07336","_type":"span","marks":[],"text":"[1] "},{"_key":"d5da36f05625","_type":"span","marks":["873e1e148fbf"],"text":"PwC, March 2024"}],"markDefs":[{"_key":"873e1e148fbf","_type":"internalLinkPick","blank":true,"reference":{"_ref":"145cfde5-0dfc-42d5-920b-0b191331e84e","_type":"reference"}}],"style":"normal"},{"_key":"303192e61fb6","_type":"block","children":[{"_key":"1928cb41e922","_type":"span","marks":[],"text":"[2] "},{"_key":"341d43b08b6b","_type":"span","marks":["a4f8efc4fe28"],"text":"MSCI, November 2024"}],"markDefs":[{"_key":"a4f8efc4fe28","_type":"internalLinkPick","blank":true,"reference":{"_ref":"b300e7f8-9ee8-475d-85f0-bcccebda9deb","_type":"reference"}}],"style":"normal"},{"_key":"49a0d84ddbed","_type":"block","children":[{"_key":"cae41be45c6b","_type":"span","marks":[],"text":"[3] "},{"_key":"653072da076b","_type":"span","marks":["d77d4f4a9a3d"],"text":"Trustnet, January 2023"}],"markDefs":[{"_key":"d77d4f4a9a3d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"39231df5-0e90-4b9c-abc7-f980c11317c9","_type":"reference"}}],"style":"normal"}],"categories":[{"_key":"1a989c0fd8ee","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"},{"_key":"761051b73014","_ref":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","_type":"reference"},{"_key":"89ab44c91dc9","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"}],"excerpt":[{"_key":"0c5edb6fe2c3","_type":"block","children":[{"_key":"e3cfba5e3d06","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. A great way to avoid making a clanger by choosing one duff share. Great for investing overseas and for outsourcing the decision-making to a professional."}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":true,"linkMenu":[{"_key":"8b72c2502fe7","_ref":"e7ee7375-de0b-4584-ab7c-316ed8adfc92","_type":"reference"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-38ee5a76884f602245c15a08ea6cd1cc47fe4200-3840x2160-png","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"607e940b-a7e0-4ec1-a5fa-7ee603b14620","_type":"reference"},"publishedAt":"2025-01-02T15:32:00.000Z","slug":{"_type":"slug","current":"funds"},"subfolder":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"template":"C-SB","theme":"Boring Money theme","title":"Funds Explained: The Ultimate No-Nonsense Guide for Beginners","widgets":[{"_key":"a1d6c66ee3f9","_ref":"79cbfce0-99a3-451e-82d4-c0b6a4487777","_type":"reference"},{"_key":"b7ac1bdd3211","_ref":"2d98a13f-5211-453c-be9e-9785894654db","_type":"reference"},{"_key":"29af377eda10","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-f6d3c7d4-0bf0-58b1-9af8-32ef06151a6c","children":[],"parent":null}},{"_key":"53d971adffc6","_type":"internalLinkPick","reference":{"_id":"583a0e19-d23d-4df3-989f-54c2368f0d41","_type":"information","_rev":"GAdsNjPaIuANdYqh0x6kuj","_createdAt":"2024-03-05T12:49:24Z","_updatedAt":"2025-12-12T09:18:07Z","_system":{"base":{"id":"583a0e19-d23d-4df3-989f-54c2368f0d41","rev":"ShBttggBniCqjqcnC3GU73"}},"authors":[{"_key":"551ff377eecc","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"body":[{"_key":"11ded862ce6c","_type":"block","children":[{"_key":"5d4a805a91dd","_type":"span","marks":[],"text":""},{"_key":"70ca6864ca7e","_type":"mainAnchor","pageAnchor":{"_ref":"8a9e94ba-158d-46df-81d7-8e2885c6f16d","_type":"reference"}},{"_key":"6c858f0ed5aa0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h2"},{"_key":"d7324ef7f1ac","_type":"block","children":[{"_key":"5cfb235cd4a4","_type":"span","marks":[],"text":"In a nutshell"}],"markDefs":[],"style":"h4"},{"_key":"fb1c58cefdbb","_type":"block","children":[{"_key":"b382e97ee62c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f8b9f67e9cdb","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Bonds are loans to a government or company  They pay out regular interest payments  You get your initial investment back at the end of the loan term  You can buy and sell bonds on the stock market  They’re typically considered a lower risk type of investment"},"text":[{"_key":"90b8406cd23c","_type":"block","children":[{"_key":"16b4bc5e4266","_type":"span","marks":[],"text":"Bonds are basically loans we make to a government or company"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1c788804cc9b","_type":"block","children":[{"_key":"7a4e2cb2d62a","_type":"span","marks":[],"text":"They pay out regular interest payments"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f98194689135","_type":"block","children":[{"_key":"2814afda9c86","_type":"span","marks":[],"text":"The value of the bond goes up and down"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ed5682aad208","_type":"block","children":[{"_key":"2946d7612fad","_type":"span","marks":[],"text":"UK government bonds are called ‘gilts’ and are largely tax-free for most investors"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7d58ed5946ec","_type":"block","children":[{"_key":"3fad1ba424fe","_type":"span","marks":[],"text":"You can buy and sell bonds on the stock market"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c7ce935aad7e","_type":"block","children":[{"_key":"f3d3225a459b","_type":"span","marks":[],"text":"They’re typically considered a lower-risk type of investment than shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"b1e928242f93","_type":"block","children":[{"_key":"5e6b0a0a387b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a5898c1fbd34","_type":"block","children":[{"_key":"e6ab8ba99ac0","_type":"span","marks":[],"text":"In simple terms, bonds are a form of loan issued by a business or a government. When you buy a bond (or a piece of the bond), you’re lending your money to this “issuer”. In exchange, the issuer promises to pay the bondholder (that’s you) a fixed interest payment at regular intervals until the loan matures (when you will get back a known amount which is the ‘face value’)."}],"markDefs":[],"style":"normal"},{"_key":"62229e83718a","_type":"block","children":[{"_key":"208519fd7a7a","_type":"span","marks":[],"text":"Therefore, you can think of a bond like an IOU – you lend the issuer money, and they pay you ‘interest’ on a regular basis until a pre-agreed date when they pay you a specified sum of money."}],"markDefs":[],"style":"normal"},{"_key":"96ac0f65ce2a","_type":"block","children":[{"_key":"53400c3f58bc","_type":"span","marks":[],"text":""},{"_key":"37864ea28904","_type":"mainAnchor","pageAnchor":{"_ref":"dfe27455-bfae-4948-b858-040213000740","_type":"reference"}},{"_key":"ed552990e93d0","_type":"span","marks":[],"text":"What are bonds?"}],"markDefs":[],"style":"h2"},{"_key":"46e4551e07ca","_type":"block","children":[{"_key":"8e9517773203","_type":"span","marks":[],"text":"Think of bonds like an investment which pays a regular ‘interest rate’ for as long as you hold it, as well as giving you the chance to make a profit on the money you invest. Unlike stocks, which can fluctuate in value rapidly, bonds will typically offer a relatively ‘predictable’ income stream, making them a good option for more risk-averse investors seeking stability."}],"markDefs":[],"style":"normal"},{"_key":"84de67b46e34","_type":"block","children":[{"_key":"3a75273af740","_type":"span","marks":[],"text":"The volatility of a bond price depends on who you are loaning the money to. If it’s the UK government, it’s typically a sedate and predictable journey. If it’s a mining company in Latin America, you should prepare for a much more volatile journey."}],"markDefs":[],"style":"normal"},{"_key":"41c6b2f45440","_type":"block","children":[{"_key":"b05c24e742b6","_type":"span","marks":[],"text":"This is why government bonds typically make up a large proportion of pension funds, particularly for those who are closer to retirement age and thus need their pension to be invested in lower-risk products."}],"markDefs":[],"style":"normal"},{"_key":"d6614f8bba0b","_type":"block","children":[{"_key":"872c6cbfe99d","_type":"span","marks":[],"text":""},{"_key":"003b1400dbd3","_type":"mainAnchor","pageAnchor":{"_ref":"7143fd03-16f0-4229-a431-82283be9b288","_type":"reference"}},{"_key":"f1224b170f560","_type":"span","marks":[],"text":"How do bonds work?"}],"markDefs":[],"style":"h2"},{"_key":"2f3e330d3372","_type":"block","children":[{"_key":"96bcdb4d8383","_type":"span","marks":[],"text":""},{"_key":"acb2391f7114","_type":"mainAnchor","pageAnchor":{"_ref":"ae0ce2cd-ee6c-4b2d-9caf-6ecaa338dfb6","_type":"reference"}},{"_key":"40091b6993f40","_type":"span","marks":[],"text":"Who issues a bond?"}],"markDefs":[],"style":"h3"},{"_key":"565d809b383b","_type":"block","children":[{"_key":"db75d5da7276","_type":"span","marks":[],"text":"When a government or a business decides it needs to raise money, one of the avenues it might take is to issue a bond. The bond specifies the “maturity” date (when the loan is repaid), the “coupon” (interest rate) paid periodically, and the “denomination” (face value) of the bond."}],"markDefs":[],"style":"normal"},{"_key":"38457353d605","_type":"block","children":[{"_key":"5c46a1e31e90","_type":"span","marks":[],"text":""},{"_key":"5b0c3697fae8","_type":"mainAnchor","pageAnchor":{"_ref":"a7cac4b7-a55c-4d8c-b076-8219b497fffe","_type":"reference"}},{"_key":"f002b0d984350","_type":"span","marks":[],"text":"How do bonds pay interest?"}],"markDefs":[],"style":"h3"},{"_key":"7d966bfb9662","_type":"block","children":[{"_key":"37dae7ca5e6c","_type":"span","marks":[],"text":"The exact monetary value of the coupon you receive from a bond is called the “yield” and typically correlates to how risky the loan is determined to be."}],"markDefs":[],"style":"normal"},{"_key":"91d66d962184","_type":"block","children":[{"_key":"1df18ea7fc91","_type":"span","marks":[],"text":"Let’s imagine someone wanted to borrow a grand from you. How much would you want in return for making that loan? It depends how reliable or trustworthy they are. How risky it is, as well as how long they want to borrow it for. In other words, how “creditworthy” they seem to you."}],"markDefs":[],"style":"normal"},{"_key":"5388a9ac1b0e","_type":"block","children":[{"_key":"cf5870d6f45b","_type":"span","marks":[],"text":"The same principles apply in the world of bonds. If we lend money to the UK government, for example, you might have more faith that they will keep up with their interest payments and repay you in full than if you lent money to a copper producer in the Democratic Republic of Congo. So a UK government bond would typically pay lower interest than the “riskier” copper producer one, for example."}],"markDefs":[],"style":"normal"},{"_key":"71d4560d2d56","_type":"block","children":[{"_key":"457db07707e3","_type":"span","marks":[],"text":"This is why government bonds (often called “gilts” if they're issued by the UK government or \"Treasuries\" if they're issued by the US government) usually pay less (or have a lower yield) than various corporate bonds – in return for giving you a less hernia-inducing path."}],"markDefs":[],"style":"normal"},{"_key":"f619482b3fbf","_type":"block","children":[{"_key":"4a4abac90009","_type":"span","marks":[],"text":"Bond yields move inversely to bond prices. That is, the lower the yield (or ‘interest’ paid) , the higher the price of the bond is. Let’s walk through an actual example to explain how this all works."}],"markDefs":[],"style":"normal"},{"_key":"20b16b0c1152","_type":"block","children":[{"_key":"9f79cc0082e3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a28d95e21455","_type":"textboxWidget","text":[{"_key":"8599fdf492a4","_type":"block","children":[{"_key":"4da4917d5205","_type":"span","marks":[],"text":"Let's assume a bond issued by the UK government (so, a ‘gilt’). Let's also assume it would cost 97.26p to buy. The bond is called Treasury 0.125% 30/01/2026. This means it pays investors an ‘interest rate’, or ‘coupon’, of 0.125%. "}],"markDefs":[],"style":"normal"},{"_key":"f54c13e08686","_type":"block","children":[{"_key":"a9bc4738b626","_type":"span","marks":[],"text":"However, people will mostly buy this for the increase in value, rather than the interest paid."}],"markDefs":[],"style":"normal"},{"_key":"63059e105655","_type":"block","children":[{"_key":"31a5a3e313f7","_type":"span","marks":[],"text":"We know that it will mature on the 30th January in 2026. For its ‘face value’ of 100p. Or £1. So we know for certain that we can spend 97.26p today and get back £1 at the end of January 2026. "}],"markDefs":[],"style":"normal"},{"_key":"952bca830e4b","_type":"block","children":[{"_key":"66fc8064d680","_type":"span","marks":[],"text":"In other words, you will make 2.74p for every 97.26p you invest, over the period in question. And because this gain is a capital gain and not interest, and because it is held in a government bond, that gain is tax-free. "}],"markDefs":[],"style":"normal"},{"_key":"5f3464315ceb","_type":"block","children":[{"_key":"eeab95d5b301","_type":"span","marks":[],"text":"This largely explains the growth in popularity of these bonds – as the tax take in the UK increases, and tax paid on interest goes up, they are a great way for higher rate taxpayers to get a relatively secure return, which is tax-free. "}],"markDefs":[],"style":"normal"},{"_key":"143bb8ec0e80","_type":"block","children":[{"_key":"0eeece876375","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Example:"},{"_key":"52ccd9cc7373","_type":"block","children":[{"_key":"00eb7eca2b96","_type":"span","marks":[],"text":""},{"_key":"72ac8f8e1ca2","_type":"mainAnchor","pageAnchor":{"_ref":"16faf849-274d-403a-b511-cf225e816d79","_type":"reference"}},{"_key":"187af134969b0","_type":"span","marks":[],"text":"How are bonds traded?"}],"markDefs":[],"style":"h3"},{"_key":"cfe82fd2d556","_type":"block","children":[{"_key":"83e5c781999e","_type":"span","marks":[],"text":"Initially, bonds will be offered to institutional investors (like banks or pension funds). When this process is complete, bonds can also be traded on the “secondary market”, where investors trade between themselves on the stock market like you can with ordinary shares. There will be a quoted price that will change throughout the day."}],"markDefs":[],"style":"normal"},{"_key":"c5da9e7fce93","_type":"block","children":[{"_key":"005c4140c0cb","_type":"span","marks":[],"text":"Investors can invest in bonds either directly or via other products which have bonds "},{"_key":"c8eefb4086c3","_type":"span","marks":["em"],"text":"in"},{"_key":"e938ff652d90","_type":"span","marks":[],"text":" them - such as multi-asset "},{"_key":"7e44d8d4eba1","_type":"span","marks":["fc7a25720353"],"text":"funds"},{"_key":"4c7c11c26b2d","_type":"span","marks":[],"text":", "},{"_key":"1bd18a481129","_type":"span","marks":["a00ce8f500dc"],"text":"ETFs"},{"_key":"46bcdb172323","_type":"span","marks":[],"text":" or"},{"_key":"922e97485ae8","_type":"span","marks":["aeb36fcf4623"],"text":" investment trusts"},{"_key":"0369c7eaf692","_type":"span","marks":[],"text":".  Bonds can play an important role in creating a diversified investment portfolio, which essentially means you invest in lots of different things in different proportion (not putting all your eggs in one basket is another way of looking at it!)."}],"markDefs":[{"_key":"fc7a25720353","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}},{"_key":"a00ce8f500dc","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}},{"_key":"aeb36fcf4623","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}}],"style":"normal"},{"_key":"8d973bcf2a1e","_type":"block","children":[{"_key":"2ec1aede89ab","_type":"span","marks":[],"text":"Many leading investment platforms such as "},{"_key":"eee0df919504","_type":"span","marks":["359cabde0d3c"],"text":"Hargreaves Lansdown"},{"_key":"809b677f8b82","_type":"span","marks":[],"text":", "},{"_key":"409e9d18bd45","_type":"span","marks":["457c15a8eac2"],"text":"AJ Bell "},{"_key":"a8416a475e6a","_type":"span","marks":[],"text":"and "},{"_key":"7fcdea77d655","_type":"span","marks":["abe234734263"],"text":"interactive investor"},{"_key":"1f5b49f77d32","_type":"span","marks":[],"text":" now let retail customers buy bonds just like you would with shares."}],"markDefs":[{"_key":"359cabde0d3c","_type":"internalLinkPick","reference":{"_ref":"7ca22c2a-5a22-4997-9cfb-3c0c6ad85a27","_type":"reference"}},{"_key":"457c15a8eac2","_type":"internalLinkPick","reference":{"_ref":"1dbcb796-5201-4542-a5fd-e9d2d02257e5","_type":"reference"}},{"_key":"abe234734263","_type":"internalLinkPick","reference":{"_ref":"22d041fa-4595-43c0-9055-7853b8b849f0","_type":"reference"}}],"style":"normal"},{"_key":"b42b778e35aa","_type":"block","children":[{"_key":"368f17d472ac","_type":"span","marks":[],"text":""},{"_key":"47b1a1da4f33","_type":"mainAnchor","pageAnchor":{"_ref":"3932d4f6-6124-4715-99d1-7bc659807fc4","_type":"reference"}},{"_key":"d404685b4df80","_type":"span","marks":[],"text":"What are the different types of bond?"}],"markDefs":[],"style":"h3"},{"_key":"754b01a0bb86","_type":"textboxWidget","text":[{"_key":"2c41dceddeab","_type":"block","children":[{"_key":"dfdfd3a8c947","_type":"span","marks":["strong"],"text":"Corporate bonds"},{"_key":"fb4873397cad","_type":"span","marks":[],"text":" – bonds issued by companies. The yield on corporate bonds can depend on how creditworthy the issuer is deemed to be."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1ae2c651010c","_type":"block","children":[{"_key":"b2cf653912e6","_type":"span","marks":["strong"],"text":"Junk bonds"},{"_key":"de963fb49c1a","_type":"span","marks":[],"text":" – bonds considered to be associated with a high level of risk."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"13980bdcc8e2","_type":"block","children":[{"_key":"eccb54653b7f","_type":"span","marks":["strong"],"text":"Municipal bonds"},{"_key":"fc0a803854f4","_type":"span","marks":[],"text":" – bonds issued by local governments, municipalities or states."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"99265f630422","_type":"block","children":[{"_key":"d35e39620486","_type":"span","marks":["strong"],"text":"Sovereign bonds"},{"_key":"5a9922c471ff","_type":"span","marks":[],"text":" – bonds issued by national governments. These can include gilts and treasuries."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"470565ca8ddf","_type":"block","children":[{"_key":"438715b5ca47","_type":"span","marks":["strong"],"text":"Gilts"},{"_key":"8964468bdd47","_type":"span","marks":[],"text":" – bonds issued by the UK government."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"80fda3477c0c","_type":"block","children":[{"_key":"49fed3a1aeeb","_type":"span","marks":["strong"],"text":"Treasuries"},{"_key":"ffbf2c8c0489","_type":"span","marks":[],"text":" – bonds issued by the US government."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"266e915029c0","_type":"block","children":[{"_key":"e3fcc300e9ad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a2537989de30","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Key bond terms to know:"},"text":[{"_key":"fdbdc1410e5c","_type":"block","children":[{"_key":"6f839624c465","_type":"span","marks":[],"text":"Key bond terms to know:"}],"markDefs":[],"style":"h4"},{"_key":"a2bb7aa8a4f4","_type":"block","children":[{"_key":"850c1ad2d9a0","_type":"span","marks":[],"text":"Coupon – the fixed interest rate that the bond issuer pays the lender. This is pre-agreed and does not change."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"6326a477fc02","_type":"block","children":[{"_key":"d385ee6adb2e","_type":"span","marks":[],"text":"Creditworthiness – how reliable the bond issuer is deemed to be, based on many factors such as financial security, size, and geographic location."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8e2c27f9133e","_type":"block","children":[{"_key":"de8b059c68c1","_type":"span","marks":[],"text":"Denomination – the total face value of the bond at the point of maturity (when it’s repaid)."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"04ce92ab0c77","_type":"block","children":[{"_key":"f95ddc6b78c8","_type":"span","marks":[],"text":"Maturity – the pre-agreed date at which the bond is repaid in full. This can range from less than 1 year (short-term) to over 30 years (long-term). Longer maturities typically have higher interest rates."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c0e878ef56e9","_type":"block","children":[{"_key":"0bb0b9c0c932","_type":"span","marks":[],"text":"Yield – the actual return an investor earns from a bond. 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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). "}],"markDefs":[],"style":"normal"},{"_key":"ff658a5b5353","_type":"block","children":[{"_key":"232898268c74","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0c3368685a8c","_type":"mainImage","alt":"Annuity vs drawdown: 3 things to keep in mind to find the right pension for you","asset":{"_ref":"image-cf83c5788718de29326400470bdd01ad0efa2366-2880x1620-png","_type":"reference"}},{"_key":"bb1b2eb6c90c","_type":"block","children":[{"_key":"89b4136674a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e103b11c3e88","_type":"block","children":[{"_key":"514e5a2e11ca","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"85ac2ad00090","_type":"block","children":[{"_key":"0d79ffc96599","_type":"span","marks":[],"text":"Recently, annuities have been in the news as higher interest rates have renewed their popularity. But which one is really best for you? In this article, we explain the basics of pension drawdown and annuities, why annuity rates have been rising and three things to think about when choosing between the two."}],"markDefs":[],"style":"normal"},{"_key":"2fe8d3949b6a","_type":"block","children":[{"_key":"5bdcc8950700","_type":"span","marks":[],"text":""},{"_key":"8eb020fbc672","_type":"mainAnchor","pageAnchor":{"_ref":"716b042f-b58e-4e97-8895-e2d260c29c19","_type":"reference"}},{"_key":"e30baa4b56e9","_type":"span","marks":[],"text":"What is 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. 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Some enable you to include spousal protection, whereby your spouse or civil partner receives a predetermined amount of income in the event that you pass away."}],"markDefs":[],"style":"normal"},{"_key":"a667fd385d9c","_type":"block","children":[{"_key":"9ac17cf901b6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"998c8ac285be","_type":"blockQuote","adviserLink":{"_ref":"08287788-27fc-47aa-8797-356964cf4db7","_type":"reference"},"adviserName":"Dennis Hall","jobTitle":"Chartered Financial Planner","photo":{"_type":"mainImage","alt":"Chartered Financial Planner Dennis Hall on who an annuity is best suited to","asset":{"_ref":"image-1848cbd4480bba43a3cc755623f82baf0aecd731-500x500-jpg","_type":"reference"}},"quote":[{"_key":"245e7becaffb","_type":"block","children":[{"_key":"06a0660526380","_type":"span","marks":[],"text":"Annuities suit people who are looking for an element of certainty in their finances. They won’t necessarily purchase an annuity with their whole pension fund but may want to ensure their basic costs of living are covered by a guaranteed income. They could even choose to have a fixed level of annual increase or increases linked to the retail price index (RPI)."}],"markDefs":[],"style":"normal"}]},{"_key":"0743d7336cc9","_type":"block","children":[{"_key":"adea9dc9e1aa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"014f795802c8","_type":"block","children":[{"_key":"940942638f6d","_type":"span","marks":[],"text":""},{"_key":"78d96014ca5a","_type":"mainAnchor","pageAnchor":{"_ref":"c0169b4c-2b0b-4fa3-97eb-92295f534082","_type":"reference"}},{"_key":"d3bbaf679373","_type":"span","marks":[],"text":"Drawdown vs annuity: Real life examples"}],"markDefs":[],"style":"h2"},{"_key":"ec13220107ef","_type":"block","children":[{"_key":"7a9d76f8ee31","_type":"span","marks":[],"text":"Let's look at some examples of how different financial needs can affect whether drawdown or annuity is best for you."}],"markDefs":[],"style":"normal"},{"_key":"e3845b90a9f5","_type":"block","children":[{"_key":"4abd1cce81b9","_type":"span","marks":[],"text":"Meet Linda and Robert. Linda and Robert are both 66 years old and recently retired with pension pots of £300,000 each. They have different retirement goals and financial attitudes, which led them to make different choices for accessing their pension savings."}],"markDefs":[],"style":"normal"},{"_key":"9f11bb4044d4","_type":"block","children":[{"_key":"d57e6b2b05ae","_type":"span","marks":[],"text":"Here's how their choices (drawdown for Linda, annuity for Robert) play out in practice:"}],"markDefs":[],"style":"normal"},{"_key":"a68de1e1376c","_type":"block","children":[{"_key":"a4a37d1f197f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8069b76e9436","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"33685f546f98","_type":"block","children":[{"_key":"e0fcfd342b16","_type":"span","marks":[],"text":"Linda's choice: Drawdown"}],"markDefs":[],"style":"h3"},{"_key":"a8ed63149e1f","_type":"block","children":[{"_key":"fcfa6729ceda","_type":"span","marks":[],"text":"Linda is an active retiree who plans to travel extensively during her early retirement years before settling into a quieter lifestyle later. She values flexibility and has a moderate risk tolerance."}],"markDefs":[],"style":"normal"},{"_key":"0e7760e82078","_type":"block","children":[{"_key":"33fd21efa020","_type":"span","marks":[],"text":"Linda's approach:"}],"markDefs":[],"style":"h4"},{"_key":"46c029d0fbec","_type":"block","children":[{"_key":"8611cbcf9949","_type":"span","marks":[],"text":"Takes 25% tax-free lump sum: £75,000"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"faaf6b6599b7","_type":"block","children":[{"_key":"5db3cb303d17","_type":"span","marks":[],"text":"Keeps remaining £225,000 invested in a diversified portfolio"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b6ba9cbea77f","_type":"block","children":[{"_key":"d0a2739b7aa5","_type":"span","marks":[],"text":"Plans to withdraw variable amounts:"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8e006f7e54bf","_type":"block","children":[{"_key":"f1f80632fe4d","_type":"span","marks":[],"text":"Years 1-5: £15,000 annually (higher withdrawal for travel)"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"bcfbddf8d94d","_type":"block","children":[{"_key":"d1bdd8cb1bf6","_type":"span","marks":[],"text":"Years 6-10: £12,000 annually"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"49eff2a83ae6","_type":"block","children":[{"_key":"487a5d300cb7","_type":"span","marks":[],"text":"Years 11+: £10,000 annually (reduced needs)"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"fe3dec2863d2","_type":"block","children":[{"_key":"81d4442240a3","_type":"span","marks":[],"text":"Outcome for Linda:"}],"markDefs":[],"style":"h4"},{"_key":"50760d8e783b","_type":"block","children":[{"_key":"5ac7aa7b529c","_type":"span","marks":["strong"],"text":"Flexibility"},{"_key":"ba9b5ca8313e","_type":"span","marks":[],"text":": Linda could increase her withdrawals when her daughter needed help with a house deposit in year 3."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"005039494c5d","_type":"block","children":[{"_key":"0f431703be6d","_type":"span","marks":["strong"],"text":"Investment growth"},{"_key":"cc86680a1afe","_type":"span","marks":[],"text":": Her pension pot grew to £240,000 by year 5 despite withdrawals, thanks to favourable market conditions."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"9a1ac19bfeef","_type":"block","children":[{"_key":"31c3d1351886","_type":"span","marks":["strong"],"text":"Tax efficiency"},{"_key":"0e0314a006de","_type":"span","marks":[],"text":": By varying her withdrawals, Linda kept her total income below higher tax thresholds in most years."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d6f9cff27d8f","_type":"block","children":[{"_key":"5afe34d175a4","_type":"span","marks":["strong"],"text":"Risk"},{"_key":"ff48300ec601","_type":"span","marks":[],"text":": In year 7, a market downturn reduced her pot value by 12%, but she adjusted by reducing her withdrawal temporarily."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ff6b6f80a239","_type":"block","children":[{"_key":"f09fc4609e69","_type":"span","marks":["strong"],"text":"Legacy"},{"_key":"7da500d11241","_type":"span","marks":[],"text":": Linda still has a significant pot that could potentially be passed to her children through inheritance planning if she doesn't use it all."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"a2c00a307427","_type":"block","children":[{"_key":"7f7dbdbbe830","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0737772c2ed8","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"f55ed22a4059","_type":"block","children":[{"_key":"1a7900eb3cae","_type":"span","marks":[],"text":"Robert's choice: Lifetime annuity"}],"markDefs":[],"style":"h3"},{"_key":"78743ae71a5e","_type":"block","children":[{"_key":"6198e7956a83","_type":"span","marks":[],"text":"Robert prioritises security and predictability. He has some health concerns and values knowing exactly how much income he'll receive each month."}],"markDefs":[],"style":"normal"},{"_key":"d08259d52cf6","_type":"block","children":[{"_key":"ef30de8286f3","_type":"span","marks":[],"text":"Robert's approach:"}],"markDefs":[],"style":"h4"},{"_key":"39a3f48471fd","_type":"block","children":[{"_key":"cf8a88150715","_type":"span","marks":[],"text":"Takes 25% tax-free lump sum: £75,000"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8d5fa37b8268","_type":"block","children":[{"_key":"18fd26d41e8d","_type":"span","marks":[],"text":"Uses remaining £225,000 to purchase a lifetime annuity"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1276abba375b","_type":"block","children":[{"_key":"e2338a1e3965","_type":"span","marks":[],"text":"Due to slightly elevated blood pressure and being a former smoker, he qualifies for an enhanced annuity rate"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f2f3c257b12c","_type":"block","children":[{"_key":"d984252ed0d0","_type":"span","marks":[],"text":"Selects an inflation-linked annuity with 50% spouse protection"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"273cf381ffec","_type":"block","children":[{"_key":"c1088969a698","_type":"span","marks":[],"text":"Outcome for Robert:"}],"markDefs":[],"style":"h4"},{"_key":"6c5a8765a447","_type":"block","children":[{"_key":"8a19536d8d3f","_type":"span","marks":["strong"],"text":"Guaranteed income"},{"_key":"3926a948ea62","_type":"span","marks":[],"text":": Robert receives £13,500 per year for life, with annual increases matching inflation"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"2d5a9ed1c94e","_type":"block","children":[{"_key":"b8930c3f3cc2","_type":"span","marks":["strong"],"text":"Security"},{"_key":"fe554f3d3348","_type":"span","marks":[],"text":": Market fluctuations have no impact on his retirement income"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"505b807e4a90","_type":"block","children":[{"_key":"7966cf621305","_type":"span","marks":["strong"],"text":"Simplicity"},{"_key":"d381568637d1","_type":"span","marks":[],"text":": Robert doesn't need to make ongoing investment decisions or worry about withdrawal rates"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"aa4ac7da995d","_type":"block","children":[{"_key":"28b0ef08ff38","_type":"span","marks":["strong"],"text":"Health advantage"},{"_key":"4ad13e56f3cf","_type":"span","marks":[],"text":": His health conditions actually benefited him by securing a higher annuity rate"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b18bf93b3f1a","_type":"block","children":[{"_key":"899a98b762ac","_type":"span","marks":["strong"],"text":"Peace of mind"},{"_key":"0053f06d4816","_type":"span","marks":[],"text":": Robert knows exactly how much income he'll receive each month for the rest of his life"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4f8cc02baa70","_type":"block","children":[{"_key":"995e87ba08e1","_type":"span","marks":["strong"],"text":"Spouse protection"},{"_key":"21375c8984ae","_type":"span","marks":[],"text":": If Robert dies first, his wife will continue to receive 50% of his annuity income"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"9f922de82044","_type":"block","children":[{"_key":"964edbfb1d8a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9b4e82e6586b","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"85689b99d167","_type":"block","children":[{"_key":"30f2ec3a42ed","_type":"span","marks":[],"text":"Five years into retirement: A 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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. 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"}],"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. 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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. Or, if you're conscious about costs but still want to chat with a financial adviser, many offer a single, fixed fee, one-off session which can help you in one fell swoop."}],"markDefs":[{"_key":"201701463bc4","_type":"internalLinkPick","blank":true,"reference":{"_ref":"95fd1bd1-7e26-4160-a7a9-9f39db7952d5","_type":"reference"}},{"_key":"6693fe9a37fe","_type":"internalLinkPick","blank":true,"reference":{"_ref":"95fd1bd1-7e26-4160-a7a9-9f39db7952d5","_type":"reference"}}],"style":"normal"}]},{"_key":"058a59037f09","_type":"block","children":[{"_key":"90cfc6379690","_type":"span","marks":[],"text":""},{"_key":"fe73c001c7e2","_type":"mainAnchor","pageAnchor":{"_ref":"d87b9541-0883-4622-ba83-89e8bb056efd","_type":"reference"}},{"_key":"f9420568d143","_type":"span","marks":[],"text":"Got a question about pensions?"}],"markDefs":[],"style":"h2"},{"_key":"3a653433c844","_type":"block","children":[{"_key":"9b6eb7f615c7","_type":"span","marks":[],"text":"Got a burning question about pension drawdown, annuities or something else related to pensions? 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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? 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This guide explains the key benefits of a SIPP and when opening one could be the right choice for you."}],"markDefs":[],"style":"normal"},{"_key":"3e8edf8a6ee8","_type":"mainImage","asset":{"_ref":"image-566e05213dc27db9008f434b2b5398097a7bdc85-1920x1080-png","_type":"reference"}},{"_key":"5a1ddbd7409b","_type":"block","children":[{"_key":"22d7e58cf98a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"48cc33f5c751","_type":"block","children":[{"_key":"6af72cdcec630","_type":"span","marks":[],"text":"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? 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":"Yet, not everyone’s workplace pension works this way. Some people have a defined benefit (DB) - sometimes called a final salary - scheme. Many of those who work in the civil service or healthcare (e.g. the NHS) have this type of plan, which typically guarantees you a predetermined income for life. It’s often dependent on how many years you’ve been an employee and your salary at the point of retirement. "}],"markDefs":[],"style":"normal"},{"_key":"9ce6c756ef9d","_type":"block","children":[{"_key":"cbc56b0396000","_type":"span","marks":[],"text":"Some DB pension schemes allow you to make additional contributions, so make sure you check the details of your arrangement to find out if you can make your own top-ups."}],"markDefs":[],"style":"normal"},{"_key":"89ecdb10f325","_type":"block","children":[{"_key":"c6d0be1b1e1d0","_type":"span","marks":[],"text":"If you’ve already checked, made sure you’re making the most of your workplace scheme and you still want to save more towards your retirement - this is where a SIPP starts to make a lot of sense. Let’s say you’ve already maxed out your employer contributions and you’ve got some extra cash at the end of the month that you want to put to good use, you could use a SIPP to tuck this away for later in life. "}],"markDefs":[],"style":"normal"},{"_key":"e928f5ae2639","_type":"block","children":[{"_key":"0f756403676c","_type":"span","marks":[],"text":""},{"_key":"44835bdefd54","_type":"mainAnchor","pageAnchor":{"_ref":"00961fa6-d9b1-495e-b4de-b62e8b9fd0cb","_type":"reference"}},{"_key":"6bb083caa2e7","_type":"span","marks":[],"text":"2. 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 "},{"_key":"aa8ffd93c174","_type":"span","marks":["ecd15fed90bc"],"text":"“green”, “sustainable” or “ethical” firms"},{"_key":"a70153a43df1","_type":"span","marks":[],"text":", putting your long-term savings behind the companies striving to make the world a better place. 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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. 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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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This means you pay 5% of your pre-tax earnings into your workplace pension scheme while your employer puts in 3%. 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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":{"_id":"e87611f7-5f1e-4039-8a16-99b71d40b0de","_type":"anchorCategory","_rev":"aa0W4OP6ylnzBGx4Lgdq3t","_createdAt":"2024-04-17T10:00:40Z","_updatedAt":"2024-04-17T10:00:40Z","AnchorName":"whatcaniputinasipp","id":"-ea3507b5-a245-5be9-bb0f-581c9390e130","children":[],"parent":null}},{"_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 where shares come in. They let us own a small slice of a company, so if they do well, so do we. And if they flop, we lose money."}],"markDefs":[],"style":"normal"},{"_key":"a0e51805f65c","_type":"block","children":[{"_key":"1d694591f0bd0","_type":"span","marks":[],"text":"Also known as stocks, or equities, shares exist to enable companies to raise money to fund their activity and growth. Individuals or companies buy shares, and give that company some money in return for ownership of a small piece of that business."}],"markDefs":[],"style":"normal"},{"_key":"059b41aceadf","_type":"block","children":[{"_key":"e2ce0bb15dbb0","_type":"span","marks":[],"text":"The thought process behind buying a share is no more complicated than what you see on Dragon's Den. You're the dragon trying to work out if you should invest in the company or not. But buying a single share can actually be a risky way to access the stock market. Why? Well, you're putting all your eggs in one basket."}],"markDefs":[],"style":"normal"},{"_key":"406e204d28d3","_type":"block","children":[{"_key":"8fe730591b110","_type":"span","marks":[],"text":"We spoke to a lady who was horrified that she bought M&S shares and they went down. \"I mean, it was M&S! They're really busy!\" Just because it's a big brand which looks safe and solid, doesn't necessarily mean they're making decent profits that year or tracking to plan. "}],"markDefs":[],"style":"normal"},{"_key":"a8166423face","_type":"block","children":[{"_key":"fb63eec8d60f","_type":"span","marks":[],"text":""},{"_key":"47a7d68d0f5b","_type":"mainAnchor","pageAnchor":{"_ref":"418e4e74-c858-4625-9d7a-8c06f7c6e4ad","_type":"reference"}},{"_key":"758bdfebe7ed","_type":"span","marks":[],"text":"Are shares right for me?"}],"markDefs":[],"style":"h2"},{"_key":"0deb8561d20a","_type":"block","children":[{"_key":"c181c818cb3f","_type":"span","marks":[],"text":"15% of UK adults own shares [1], but they're not the right sort of investment for everyone - especially if you're low on time or looking for an easy way to put your money behind several companies. Here's an overview of some of the main pros and cons of shares."}],"markDefs":[],"style":"normal"},{"_key":"db9f89042c3f","_type":"prosConsWidget","cons":["Want a global mix of investments ","Are time poor ","Will only choose 2 or 3!"],"consTitle":"Bad if you ","pros":["Actively follow the markets","Want to be in charge","Have time to dedicate to this "],"prosTitle":"Good if you "},{"_key":"c3a7ffeffbb7","_type":"block","children":[{"_key":"271a51c12db2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5b2ffecea1c4","_type":"block","children":[{"_key":"05c92c04fca2","_type":"span","marks":[],"text":""},{"_key":"4bc185b25eec","_type":"mainAnchor","pageAnchor":{"_ref":"126f92a2-61db-45bc-9444-4172007cc99b","_type":"reference"}},{"_key":"41d53cf47ed5","_type":"span","marks":[],"text":"Cash vs shares"}],"markDefs":[],"style":"h2"},{"_key":"bd1126eb98eb","_type":"block","children":[{"_key":"0612752e8969","_type":"span","marks":["strong"],"text":"If you had put £10,000 away in 2015, what would it be worth by the end of September 2025?"}],"markDefs":[]},{"_key":"a5368c85fe2c","_type":"block","children":[{"_key":"da32cdb4e3ce","_type":"span","marks":[],"text":"The graph below shows you a recent example of how cash has performed compared to stock market shares. For the purposes of this illustration, we've looked at the growth of a single £10,000 lump sum investment in cash and in two stock market indices: the "},{"_key":"c79b9014dcc5","_type":"span","marks":["4b175e3b60cd"],"text":"FTSE 100"},{"_key":"31e14e27f0b1","_type":"span","marks":[],"text":" and "},{"_key":"fa15bb1b35a8","_type":"span","marks":["ccbe1340ca9f"],"text":"MSCI World"},{"_key":"5e096fa1dd9d","_type":"span","marks":[],"text":" (you can read more about these below the image)."}],"markDefs":[{"_key":"4b175e3b60cd","_type":"glossaryPick","reference":{"_ref":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"reference"}},{"_key":"ccbe1340ca9f","_type":"glossaryPick","reference":{"_ref":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"reference"}}],"style":"normal"},{"_key":"a8cf71d02792","_type":"block","children":[{"_key":"d84597919bbd","_type":"span","marks":[],"text":"It's clear to see that leaving your money in cash (pink) led to significantly less growth over the period between 2015-2025 than if you had invested in stock markets. And although the British FTSE 100 Index (blue) didn't perform quite as well as MSCI World (green), it still climbed to £2,182 - compared to gains of just £1,180 from cash over the same time period. Of course, these numbers look measly compared to MSCI World's impressive £3,348 gain."}],"markDefs":[],"style":"normal"},{"_key":"eacbefb8908a","_type":"block","children":[{"_key":"7186a99d615e","_type":"span","marks":[],"text":"NB: The dip you can see after Q4 2019 reflects the start of the COVID-19 pandemic and subsequent global lockdowns."}],"markDefs":[],"style":"normal"},{"_key":"b33adb272cf6","_type":"frameWidget","href":"https://www.canva.com/design/DAG7OFE42_c/V25AjrWXM8szDDn7pZL9bg/view?embed"},{"_key":"9898bcddeff8","_type":"block","children":[{"_key":"2f05e2427ec8","_type":"span","marks":["em"],"text":"Source: FE FundInfo. "}],"markDefs":[],"style":"small"},{"_key":"906d1a3db60a","_type":"block","children":[{"_key":"b29deef19a8e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d745e25d9983","_type":"block","children":[{"_key":"d611edb2ae67","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"adb9f4083d5c","_type":"block","children":[{"_key":"22374dbfb4fe","_type":"span","marks":[],"text":""},{"_key":"c07bbbc35194","_type":"mainAnchor","pageAnchor":{"_ref":"223c3cb3-164a-4144-b7ec-60a049133752","_type":"reference"}},{"_key":"91a17272db40","_type":"span","marks":[],"text":"Will shares outperform cash in the next 10 years?"}],"markDefs":[],"style":"h2"},{"_key":"15bd2c48638c","_type":"block","children":[{"_key":"d367b10febfa","_type":"span","marks":[],"text":"Just like the weather, it's impossible to predict what the future holds. All we can do is show what has happened in the past. Shares are a bumpier ride than cash – and not a short-term thing. Anyone who says they can guarantee you'll make money is probably lying. There are risks. But research tells us that shares have done better than cash 9 times out of 10 over any 10 year period since the stock markets began."}],"markDefs":[],"style":"normal"},{"_key":"e51d6e72bf95","_type":"block","children":[{"_key":"9b843e253e7f0","_type":"span","marks":[],"text":"You buy and sell them on the stock market and, just like eBay, people make bids and offers. But it all happens super fast. Prices bounce up and down and at the end of the day it all comes down to sentiment – if loads of people want a slice of the action and these things are flavour of the month (think Nintendo after Pokemon Go), then prices rise as the sellers get a bit cockier. If people get turned off and the share in question is uncool, then everyone tries to offload them and the asking price falls."}],"markDefs":[],"style":"normal"},{"_key":"2c5c408f7745","_type":"block","children":[{"_key":"5517dd075cf1","_type":"span","marks":[],"text":"Curious about what's got investors' interest this week? Catch up with Holly's award-winning blog every Friday for the low-down on what's going on in stock markets, how it could impact your finances, and some no-nonsense food for thought to help you make better money choices."}],"markDefs":[],"style":"normal"},{"_key":"f73008bb0852","_type":"block","children":[{"_key":"1330f0821be2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2ce8804a8fc7","_type":"emailSignupWidget","brazeCustomAttributes":[{"_key":"8b471fe69932","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_blog","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/shares/"}],"emailSignupWidgetButtonText":"SIGN UP","image":{"_type":"mainImage","alt":"Image of Boring Money CEO Holly Mackay","asset":{"_ref":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png","_type":"reference"}},"paragraphText":"Sign up for no-nonsense tips, tricks and food for thought every Friday!","thankYouText":[{"_key":"ee1425e50c90","_type":"block","children":[{"_key":"03c4926a2d3f","_type":"span","marks":[],"text":"Thank you for signing up!"}],"markDefs":[],"style":"normal"}],"title":"Want to get Holly's weekly blog straight to your inbox?"},{"_key":"b2dea6276185","_type":"block","children":[{"_key":"023c64412ca5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"28d3689c637a","_type":"block","children":[{"_key":"76733dfbfc45","_type":"span","marks":[],"text":""},{"_key":"0a9998a15f58","_type":"mainAnchor","pageAnchor":{"_ref":"b51797d9-dc13-41da-a375-b898f0a9e850","_type":"reference"}},{"_key":"0c127d60e2f30","_type":"span","marks":[],"text":"How can I buy shares?"}],"markDefs":[],"style":"h2"},{"_key":"104c6e83ed38","_type":"block","children":[{"_key":"c60e50ec6f020","_type":"span","marks":[],"text":"Rather than going to companies directly and asking to buy a share of their business, we access shares through a central market otherwise known as the Stock Exchange. Companies will 'list' on the Stock Exchange, which means anyone can buy or sell a share."}],"markDefs":[],"style":"normal"},{"_key":"6b952a371b27","_type":"block","children":[{"_key":"c96caa808e100","_type":"span","marks":[],"text":"The Stock Exchange can be accessed through online investment platforms, many of which are beginner-friendly. These platforms allow you to purchase a small percentage of some of the world's largest companies - this ranges from BP to HSBC, Apple to Samsung, and Microsoft to British Airways."}],"markDefs":[],"style":"normal"},{"_key":"22300cbe9ed3","_type":"block","children":[{"_key":"7a5c50542b870","_type":"span","marks":[],"text":"You can either buy individual shares directly - through an online broker or an investment platform - or purchase a fund in order to get exposure to dozens of shares in one fell swoop. If you're new to investing and don't know where to start, check out our hand-selected Best For Beginners award winners to see which providers we think are the best starting point."}],"markDefs":[],"style":"normal"},{"_key":"6edb4bdd89cb","_type":"block","children":[{"_key":"b8900097f7ce","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best For Beginners award winners "}],"markDefs":[],"style":"normal"}],"_key":"61821a40134b","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"b5821c35-fa71-43c3-8f89-cc7b29ad9030","_type":"reference"},"text":"CLICK HERE"},{"_key":"adc43eba0539","_type":"block","children":[{"_key":"fa3bf0ee3f7a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ea21677253e9","_type":"block","children":[{"_key":"67c0573a3e1a","_type":"span","marks":[],"text":""},{"_key":"d6fc0adcefb5","_type":"mainAnchor","pageAnchor":{"_ref":"81ce9ca2-c137-4518-a387-0704343a7403","_type":"reference"}},{"_key":"a3c5345fe75c0","_type":"span","marks":[],"text":"Buying bulk shares through a fund"}],"markDefs":[],"style":"h3"},{"_key":"e398386f79e3","_type":"block","children":[{"_key":"87b61ebbd9e70","_type":"span","marks":[],"text":"The concept of buying shares through a "},{"_key":"5d2b30ca7f3e","_type":"span","marks":["69d28fa112e1"],"text":"fund"},{"_key":"b1c54b0016d7","_type":"span","marks":[],"text":" is similar to buying a mixed case of wine. You don't have time to pick individual bottles, or you don't want the responsibility of choosing the best, so you let it be done for you. You're outsourcing the selection of individual components to someone else."}],"markDefs":[{"_key":"69d28fa112e1","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"338dc4e1da41","_type":"block","children":[{"_key":"a6c6dd0980fc0","_type":"span","marks":[],"text":"A single fund will usually house around 30-60 shares. Whilst someone else may have invested £1,000 into an individual share, a very small percentage of your £1,000 may be invested in the same company. If that business then takes a hit, you won't be so badly affected - the majority of your money is invested elsewhere. Basically, you are spreading your bets for security."}],"markDefs":[],"style":"normal"},{"_key":"ed31383984b8","_type":"block","children":[{"_key":"db372dca686d0","_type":"span","marks":[],"text":"When investing through a fund, you are unlikely to have to pay trading or transaction fees. You will, however, encounter management fees throughout the duration of your investment. If you want to buy a few shares or a fund, then it's usually best to open up an account online and use your annual tax-free "},{"_key":"299e331da67d","_type":"span","marks":["3b82ca551e01"],"text":"ISA"},{"_key":"3e0755bd3239","_type":"span","marks":[],"text":" allowance if you can."}],"markDefs":[{"_key":"3b82ca551e01","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"},{"_key":"84839ede04c6","_type":"block","children":[{"_key":"3f2cb72aaf06","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best Buy ISAs for your investing needs"}],"markDefs":[],"style":"normal"}],"_key":"ac4d4573cacf","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"5027ed98-4e53-4e94-8fc1-9d370b15dd5c","_type":"reference"},"text":"CLICK HERE"},{"_key":"92e08f9b828e","_type":"block","children":[{"_key":"d1d42ee1879b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dc479e2b8db6","_type":"block","children":[{"_key":"7222f974db16","_type":"span","marks":[],"text":""},{"_key":"399f39b611a8","_type":"mainAnchor","pageAnchor":{"_ref":"bd7d91db-0143-49c9-b079-df3872327a31","_type":"reference"}},{"_key":"a6579f69575f0","_type":"span","marks":[],"text":"Buying individual shares directly"}],"markDefs":[],"style":"h3"},{"_key":"b3155957d51f","_type":"block","children":[{"_key":"a1c8070511b00","_type":"span","marks":[],"text":"When buying individual shares directly, you will encounter trading costs. You will typically encounter about £10 a pop, and 0.5% stamp duty to the government. This can accumulate to become an expensive way of buying small shares. The upside is that after initial purchase, you will not have to pay management fees as you would have with a fund - there's nothing to manage."}],"markDefs":[],"style":"normal"},{"_key":"19188e074c4d","_type":"block","children":[{"_key":"3edc6186140b0","_type":"span","marks":[],"text":"Buying a couple of individual shares is a risky way to get exposure to the markets - especially for less experienced investors. You have all of your investment tied into one or two businesses. If it goes badly for them, you're in trouble."}],"markDefs":[],"style":"normal"},{"_key":"c1ea16d293cf","_type":"block","children":[{"_key":"a0d9ca4cc8680","_type":"span","marks":[],"text":"This method is good for people who like to take an interest in the market, are time-rich, and confident to make decisions themselves. Shares are not so good if you are busy, don’t feel expert in this subject, or will only pick shares in companies you know and love."}],"markDefs":[],"style":"normal"},{"_key":"14b7bafe231d","_type":"block","children":[{"_key":"784213c5029c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best For Share Traders award winners"}],"markDefs":[],"style":"normal"}],"_key":"9141a0d45cf4","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"2d69df37-02bf-43eb-aed4-2624da81fbf6","_type":"reference"},"text":"CLICK HERE"},{"_key":"3135ea061a1a","_type":"block","children":[{"_key":"2d049f7f9571","_type":"span","marks":[],"text":"------"}],"markDefs":[],"style":"normal"},{"_key":"e4ce4c0148b1","_type":"block","children":[{"_key":"03f7ad822c7e","_type":"span","marks":[],"text":"[1] Online Investing Report, "},{"_key":"ec4be879d4a9","_type":"span","marks":["8cee69180130"],"text":"Boring Money "}],"markDefs":[{"_key":"8cee69180130","_type":"internalLinkPick","reference":{"_ref":"63b42a1b-dc9a-40bb-8a62-f580487de19e","_type":"reference"}}],"style":"normal"}],"categories":[{"_key":"171e98dc55ea","_ref":"9338f25b-7551-48c3-afff-03e9bc5608c3","_type":"reference"},{"_key":"912294bd8e37","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"0551e4791b33","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"},{"_key":"1287b6c4ce2e","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"excerpt":[{"_key":"947232828c12","_type":"block","children":[{"_key":"dd7bb8ce2ec7","_type":"span","marks":[],"text":"Shares simply let us own a small slice of a company. If they do well, so do we. If they flop, we lose money. Also known as stocks, or equities, shares exist to enable companies to raise money to fund their activity and growth."}],"markDefs":[],"style":"normal"}],"linkMenu":[{"_key":"ab3de5ca4b81","_ref":"a8e07a65-4c89-4487-8d36-74e328e9b292","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":"shares","asset":{"_ref":"image-e3cb48c2ce818fdd386c33daf36be5d713f09696-3840x2160-png","_type":"reference"}},"pageBreadcrumb":{"_ref":"607e940b-a7e0-4ec1-a5fa-7ee603b14620","_type":"reference"},"publishedAt":"2025-12-11T16:43:20.418Z","slug":{"_type":"slug","current":"shares"},"subfolder":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"template":"SB-C","title":"Shares Explained: A Beginner’s Guide to Buying and Investing in Stocks","widgets":[{"_key":"784de124229e","_ref":"79cbfce0-99a3-451e-82d4-c0b6a4487777","_type":"reference"},{"_key":"6e44d89729b2","_ref":"2d98a13f-5211-453c-be9e-9785894654db","_type":"reference"},{"_key":"59aabf5d8de0","_ref":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","_type":"reference"},{"_key":"ea6e2095c7dc","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-51fe97e3-1e21-50cd-9dc2-d21bd0716ede","children":[],"parent":null}}],"style":"normal"},{"_key":"5989daf6e111","_type":"block","children":[{"_key":"f7633016ed41","_type":"span","marks":["9bd8fa765441"],"text":"Funds"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"9bd8fa765441","_type":"internalLinkPick","reference":{"_id":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"information","_rev":"vIm9lhvf1eHBOprgleGFQF","_createdAt":"2021-06-22T10:49:30Z","_updatedAt":"2025-09-01T10:07:48Z","_system":{"base":{"id":"0bc8b13d-830e-4469-8ffe-6af27456b538","rev":"0iD6p61whJS2ZGE5T7VEFt"}},"authors":[{"_key":"9b488bad30a4","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"728ad57473cb","_type":"block","children":[{"_key":"150f7b31de0a","_type":"span","marks":[],"text":"By "},{"_key":"e55603603258","_type":"span","marks":["strong"],"text":"Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"e8df298b8c6b","_type":"anchorMenuMobile","title":"menu"},{"_key":"9473358fe106","_type":"block","children":[{"_key":"17cf1610cca6","_type":"span","marks":[],"text":""},{"_key":"91398572c6f0","_type":"mainAnchor","pageAnchor":{"_ref":"c092d7ca-1d59-4a6f-ae22-c1659dda889d","_type":"reference"}},{"_key":"6f92bc92429a","_type":"span","marks":[],"text":"What is a fund?"}],"markDefs":[],"style":"h2"},{"_key":"4f9ee0028862","_type":"block","children":[{"_key":"f102b7d00c72","_type":"span","marks":[],"text":"In a nutshell"}],"markDefs":[],"style":"h3"},{"_key":"e79c63c327eb","_type":"textboxWidget","text":[{"_key":"2121178f0ee6","_type":"block","children":[{"_key":"7d6a9f190010","_type":"span","marks":[],"text":"There are typically about 30-60 \"underlying investments\" in one fund"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d2a481641270","_type":"block","children":[{"_key":"22684174f3fa","_type":"span","marks":[],"text":"On average a single fund will cost about 0.75% in fees a year"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f3e088b52195","_type":"block","children":[{"_key":"d6ad20196bad","_type":"span","marks":[],"text":"Often a safer bet to invest than simply buying a few shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"216dcb5302ec","_type":"block","children":[{"_key":"9dd73649798a","_type":"span","marks":[],"text":"You can buy funds and put them in an ISA to keep your profits tax-free"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"97a80376b0f3","_type":"anchorMenuMobile","title":"s"},{"_key":"1653fdfc2af4","_type":"block","children":[{"_key":"2e2b2ab98724","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1b8d971c911d","_type":"block","children":[{"_key":"4507568d3a70","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. In other words, they're a great way to avoid making a clanger by choosing one duff share! Great for diversifying, investing overseas and for outsourcing the decision-making to a professional. "}],"markDefs":[],"style":"normal"},{"_key":"046672293a3e","_type":"block","children":[{"_key":"e15da747ad50","_type":"span","marks":[],"text":"Listen to our Founder & CEO Holly Mackay explain more about why funds are awesome in the helpful clip below."}],"markDefs":[],"style":"normal"},{"_key":"41b247f7f7f1","_type":"block","children":[{"_key":"1425f286ae8d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ee4659f373e2","_type":"mainVideo","url":"https://vimeo.com/829075140"},{"_key":"612f1e2f4f5c","_type":"block","children":[{"_key":"8b8077238e30","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8fde23f3fe04","_type":"block","children":[{"_key":"509c2688d6bd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3d8fbfc7b050","_type":"block","children":[{"_key":"32a1c0b03ecc","_type":"span","marks":[],"text":"A single fund will typically have about 30-60 different \"underlying investments\" in it. This spreads the risk around and hedges your bets, so rather than having to go and buy 30-60 individual shares all by yourself, you can just buy one fund and be done with it!"}],"markDefs":[],"style":"normal"},{"_key":"e8ce2e0fe91f","_type":"block","children":[{"_key":"942f0caaddf8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f9d2b7cefb40","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Most investors have between about 8 and 16 different Funds to get a good mix and spread their bets around!"},"text":[{"_key":"4e12795ee2ca","_type":"block","children":[{"_key":"40e2815c5d05","_type":"span","marks":["strong"],"text":"Top tip: Most investors have between about 8 and 16 different funds to get a good mix and spread their bets around!"}],"markDefs":[],"style":"normal"}]},{"_key":"faec06074b53","_type":"block","children":[{"_key":"3f1ea2ce7311","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"29e8456aa90b","_type":"block","children":[{"_key":"12710694212a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"16c468186b94","_type":"block","children":[{"_key":"8aa0e26dff77","_type":"span","marks":[],"text":"You can think of investing in funds like buying a mixed case of wine - you don't have to be a connoisseur and someone else picks the contents they think are good. Funds come in lots of different flavours - such as multi-asset funds or exchange-traded funds. More on these later."}],"markDefs":[],"style":"normal"},{"_key":"90feae1f7eb6","_type":"block","children":[{"_key":"1915aec3fabb","_type":"span","marks":[],"text":""},{"__inline":true,"_key":"5ccd7b870fec","_type":"mainAnchor","children":[{"_key":"ut1xgBnP3A4eT38f4GGbAL","text":""}],"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"},"value":{"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"}}},{"_key":"3fc8bd064d62","_type":"span","marks":[],"text":"Are funds right for me?"}],"markDefs":[],"style":"h2"},{"_key":"f4e25a5df60e","_type":"block","children":[{"_key":"fa0bcaef29cd","_type":"span","marks":[],"text":"On average, investors hold 49% of their investments in funds, making them one of the most popular investment vehicles out there. But are funds really the right option for you? "}],"markDefs":[],"style":"normal"},{"_key":"fed979756bbe","_type":"block","children":[{"_key":"64b6ad599651","_type":"span","marks":[],"text":"If you prefer the freedom and flexibility of choosing which companies to invest in, shares may be a better choice. However, funds can also be highly diversified, which means your investments might be spread across different regions, sectors and assets. This reduces the risk of any one event, such as a political crisis in a single region, having a significant impact on your investments."}],"markDefs":[],"style":"normal"},{"_key":"e1ad6cc3a02a","_type":"block","children":[{"_key":"a8b55972e4dd","_type":"span","marks":[],"text":"So really it comes down to your personal preference. Here's a round-up of some of the main pros and cons to help you decide if investing in funds is the right choice for you."}],"markDefs":[],"style":"normal"},{"_key":"434d193075a7","_type":"block","children":[{"_key":"0e7fe5da01de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4bc700b962a5","_type":"prosConsWidget","cons":["Don't want to pay a fee","Want to pick your own shares","Want to trade regularly"],"consTitle":"Bad if you ","pros":["Want a broad mix of different shares","Want to invest abroad too","Aren't a whizz trader "],"prosTitle":"Good if you"},{"_key":"48067afe70fe","_type":"block","children":[{"_key":"0361b14633a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cec017f1a38c","_type":"block","children":[{"_key":"172137ada71e","_type":"span","marks":[],"text":""},{"_key":"de53e982c4a9","_type":"mainAnchor","pageAnchor":{"_ref":"60941be5-1a4f-426e-b588-7699bee46271","_type":"reference"}},{"_key":"87cf346319c6","_type":"span","marks":[],"text":"Why invest in a fund?"}],"markDefs":[],"style":"h2"},{"_key":"93dc72ad81a4","_type":"block","children":[{"_key":"3338ff4b26c50","_type":"span","marks":[],"text":"A fund is simply the compilation album of the investing world! It’s a nice way to get someone at the sharp end of finance to pick and manage your investments from the bewildering array of bonds and shares on the market. Let’s give a really simple example. "}],"markDefs":[],"style":"normal"},{"_key":"a9403754dc28","_type":"block","children":[{"_key":"01c95b2b86ac","_type":"span","marks":[],"text":"If we ran the Boring Money UK Shares Fund (which we don’t), we might look at all the UK shares out there and say that HSBC, Shell, ITV and GlaxoSmithKline make the grade. And add them to our investment mix. But chuck out Barclays and Burberry and Sainsburys (all random examples by the way, not tips!). "}],"markDefs":[],"style":"normal"},{"_key":"7669a7ac791c","_type":"block","children":[{"_key":"d7e81010a760","_type":"span","marks":[],"text":"We’d end up with, say, 50 shares in our compilation album, which we bought for £1 each in our pretend world. So our fund would be worth £50. And we might sell 50 units to people for £1 each. "}],"markDefs":[],"style":"normal"},{"_key":"786bce77dbb8","_type":"block","children":[{"_key":"da65bc2f373e","_type":"span","marks":[],"text":"The benefit is that for a small investment of just £1, our investors would have a teeny fraction of an investment in 50 different British companies. And we would run and manage this pool of investments for you - so no need to get the calculator out and crunch any numbers!"}],"markDefs":[],"style":"normal"},{"_key":"985ff58d82e6","_type":"block","children":[{"_key":"2ad32b5454aa","_type":"span","marks":[],"text":"There are thousands of funds out there, all with different flavours, and they're among the best ways to get expert help on picking the right investments."}],"markDefs":[],"style":"normal"},{"_key":"362c2e7dfc09","_type":"block","children":[{"_key":"d766349dbf40","_type":"span","marks":[],"text":""},{"_key":"364cd3c1e445","_type":"mainAnchor","pageAnchor":{"_ref":"a5632083-6993-47e2-9bc1-07d0a86ad84c","_type":"reference"}},{"_key":"0a68034d99f40","_type":"span","marks":[],"text":"The three main fund structures "}],"markDefs":[],"style":"h2"},{"_key":"4b7b2b21499a","_type":"block","children":[{"_key":"5d8b72478bbb","_type":"span","marks":[],"text":""},{"_key":"e02338579d1e","_type":"mainAnchor","pageAnchor":{"_ref":"bcd041ed-8ed5-4fc7-8abd-21ee28def30c","_type":"reference"}},{"_key":"6c2a9ecc53f30","_type":"span","marks":[],"text":"1. Mutual fund – also known as an open-ended fund, OEIC or UCITS fund"}],"markDefs":[],"style":"h3"},{"_key":"3460d916f7b2","_type":"block","children":[{"_key":"0325a805ebd40","_type":"span","marks":[],"text":"A mutual fund combines money from multiple investors, which a professional manager invests according to the fund’s goals, such as growth or income, often focusing on specific sectors like European stocks or technology. Being “open-ended,” the fund can adjust its shares based on investor activity, with its value matching the combined value of its holdings. Investors can monitor performance daily through services like Morningstar, comparing it to similar funds or benchmarks like the FTSE All Share for UK funds."}],"markDefs":[],"style":"normal"},{"_key":"9f8832eee9c7","_type":"block","children":[{"_key":"b0249a4aa624","_type":"span","marks":[],"text":""},{"_key":"777c7f3bd35c","_type":"mainAnchor","pageAnchor":{"_ref":"b8467767-7e11-4c31-bea1-aa9f5262781c","_type":"reference"}},{"_key":"6722e89ace4a","_type":"span","marks":[],"text":"2. ETF – or exchange-traded fund"}],"markDefs":[],"style":"h3"},{"_key":"ac1f21c74e0a","_type":"block","children":[{"_key":"189a0849a0f50","_type":"span","marks":[],"text":"ETFs, or Exchange-Traded Funds, are investment funds that provide low-cost, diversified access to various markets, similar to mutual funds. Unlike mutual funds, ETFs trade on stock exchanges, with their prices fluctuating throughout the day based on supply and demand. ETFs often aim to track specific assets, like major stock indices (e.g., S&P 500), commodities, or even currencies. They can be structured using \"physical\" methods (owning a bit of each asset in the index) or \"synthetic\" methods (using derivatives to mimic asset performance). ETFs can also offer leveraged or inverse options to enhance potential gains or bet against an asset's price. They are generally affordable, easy to trade, and flexible for various investment strategies."}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"6add2d498f76","_type":"block","children":[{"_key":"14d23d4bf09a","_type":"span","marks":["strong"],"text":"Discover more about ETFs and how they work"}],"markDefs":[],"style":"normal"}],"_key":"090c0fe4bbd4","_type":"ctaWidget","reference":{"_ref":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"reference"},"text":"ETF HUB"},{"_key":"3734671b2a32","_type":"block","children":[{"_key":"ebc0f19e9b3d0","_type":"span","marks":[],"text":"3. Investment Trusts"}],"markDefs":[],"style":"h3"},{"_key":"47687a68ef20","_type":"block","children":[{"_key":"22745b29c849","_type":"span","marks":[],"text":"Investment trusts are publicly listed companies that pool investors' money to buy shares, bonds, or other assets like property. Managed by a board that oversees the fund manager, they operate as \"closed-ended\" funds, meaning they don’t need to buy or sell assets as investors come and go. This structure suits less liquid investments, and they can also save income from strong years to pay out in weaker ones, offering a steadier return. Investors can buy shares at market prices, sometimes below the actual asset value, and have many options for building a diverse portfolio. 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The two most common assets are bonds and shares, but what actually are they?"}],"markDefs":[],"style":"normal"},{"_key":"112a4d6cbc9f","_type":"block","children":[{"_key":"c6616cbb00f7","_type":"span","marks":[],"text":"What is a bond?"}],"markDefs":[],"style":"h3"},{"_key":"55297b26fffd","_type":"block","children":[{"_key":"f9ec30e1d7d7","_type":"span","marks":[],"text":"Owning a bond is kind of getting an IOU from a government or a company – you buy their bond and you’re lending them money. The dicier the prospect of getting your cash back, the more ‘interest’ they will pay you to compensate for the risk. So an Ecuadorian mining company bond would pay a gazillion times more than the relatively staid UK government, for example. It’s a riskier loan so they’ll compensate you more for taking this extra risk. "}],"markDefs":[],"style":"normal"},{"_key":"ad246f1d9a03","_type":"block","children":[{"_key":"d33daf52853b","_type":"span","marks":[],"text":"Bonds are influenced by interest rates, so they’re behaving a bit weirdly at the moment. If you lend the UK government money for 10 years, they’ll pay you about 4% (at the time of writing). And inflation is hovering around the 10% mark. So you’ll see why bonds are paying attractive rates at the moment - the UK economy is currently grappling with the risk of high inflation!"}],"markDefs":[],"style":"normal"},{"_key":"66a2cb7a79bb","_type":"block","children":[{"_key":"f67dc90952da","_type":"span","marks":[],"text":"What is a share?"}],"markDefs":[],"style":"h3"},{"_key":"42ec8b2bfea7","_type":"block","children":[{"_key":"d7677c521ef0","_type":"span","marks":[],"text":"Shares are also known as ‘equities’ or ‘stocks’. If you own shares, you buy little pieces of the world’s biggest companies. And tie your fortunes to theirs. It's these shares that make up the majority of most funds. "}],"markDefs":[],"style":"normal"},{"_key":"87391d64e98f","_type":"block","children":[{"_key":"50f803a42246","_type":"span","marks":[],"text":"As a rule of thumb, most ‘equity’ focused funds will have about 40-60 shares in them, although some fund managers have fewer, sticking to their convictions more about which shares are duds and which ones are winners. "}],"markDefs":[],"style":"normal"},{"_key":"230865d11ff5","_type":"block","children":[{"_key":"81251b61e60c","_type":"span","marks":[],"text":"Shares are also one of the few investments where you can get a decent income. Companies often pay out a share of their profits as dividends. The key is to look for an ‘equity income’ fund. Pick the right one and you could get an income of around 3-4% a year!"}],"markDefs":[],"style":"normal"},{"_key":"06e377758cad","_type":"block","children":[{"_key":"d4019195a987","_type":"span","marks":[],"text":"The balance between bonds and shares"}],"markDefs":[],"style":"h3"},{"_key":"46cf69523ea8","_type":"block","children":[{"_key":"d519404d9cb6","_type":"span","marks":[],"text":"Many suggest diversifying, which means a sort-of Combo Meal of bonds "},{"_key":"a61d5d5863e0","_type":"span","marks":["em"],"text":"and "},{"_key":"2e722c7e508b","_type":"span","marks":[],"text":"shares. Over the long-term, bonds are usually seen as safer and less choppy than shares, but many believe they will make you less over the long-run too. On the other hand, the stock market can potentially make you profit over the longer-term, but can come with significant short-term risk."}],"markDefs":[],"style":"normal"},{"_key":"c973c0042a75","_type":"block","children":[{"_key":"c0025ecc2c48","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c1f67febb327","_type":"prosConsWidget","pros":["You're nearing retirement age","You're not keen on stock market risk"],"prosTitle":"BONDS are better for you if"},{"_key":"e27629a359a2","_type":"block","children":[{"_key":"e48f0db1ddad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a30ea1e3729e","_type":"prosConsWidget","pros":["You can tolerate the concept of stock market risk","You've got lots of time before you need to access your cash"],"prosTitle":"SHARES are better for you if"},{"_key":"03b6c39b6bf2","_type":"block","children":[{"_key":"1ee6f1df4158","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ed118f277297","_type":"block","children":[{"_key":"e3ed41cc210b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c4556aebdc3","_type":"block","children":[{"_key":"59b8e9cbba60","_type":"span","marks":[],"text":"As a general rule of thumb, if you’re a spring chicken and investing for ages in the future, you should probably look at "},{"_key":"0f04bd6e7f43","_type":"span","marks":["em"],"text":"mostly "},{"_key":"0a524dc1e267","_type":"span","marks":[],"text":"shares. If you’re getting on and likely to need your money soon, people typically prefer bonds because they’re less likely to crash as dramatically as shares, leaving you high and dry if you need to cash in your investments. "}],"markDefs":[],"style":"normal"},{"_key":"c44bbef6d561","_type":"block","children":[{"_key":"e1b0274abca3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f871776e39d7","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "},"text":[{"_key":"dc826f13da73","_type":"block","children":[{"_key":"92f0eb6df824","_type":"span","marks":["strong"],"text":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "}],"markDefs":[],"style":"normal"}]},{"_key":"f7d5fb36fe0f","_type":"block","children":[{"_key":"db6952c70b24","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19431081595a","_type":"block","children":[{"_key":"6e263f6e0c3f","_type":"span","marks":[],"text":""},{"_key":"394165043e4a","_type":"mainAnchor","pageAnchor":{"_ref":"f0e25e55-88ef-4bd3-96fb-2ea766606d57","_type":"reference"}},{"_key":"d81d41f1e8ee1","_type":"span","marks":[],"text":"Active vs passive"}],"markDefs":[],"style":"h2"},{"_key":"97fd1b6cacb5","_type":"block","children":[{"_key":"b1149c8e019a","_type":"span","marks":[],"text":"Another couple of phrases you'll often see when investing in funds is 'active' and 'passive', but as the world of finance is renowned for being full of jargon, no one ever seems to explain what these are! Here's what they actually mean and why they matter when deciding on the right fund for you."}],"markDefs":[],"style":"normal"},{"_key":"4f4328ace20e","_type":"block","children":[{"_key":"267b07472f39","_type":"span","marks":[],"text":"What is an active fund?"}],"markDefs":[],"style":"h3"},{"_key":"965f3e1b9c85","_type":"block","children":[{"_key":"7e7c85ce1d910","_type":"span","marks":[],"text":"Most funds in the market are what we call ‘active’. An active fund manager, by definition, thinks he or she is smarter than the average investor. A clever clogs. They think they can spot a bargain. Spot the dog before others. Identify the region that is about to go belly-up. So they pick and choose. If you buy an active fund which invests in shares, you'll usually pay a fee to the fund manager of about 75p-95p for every £100 you entrust to them. "}],"markDefs":[],"style":"normal"},{"_key":"dd074314f1cf","_type":"block","children":[{"_key":"e2405d675768","_type":"span","marks":[],"text":"What is a passive fund?"}],"markDefs":[],"style":"h3"},{"_key":"b9d2cd328e0c","_type":"block","children":[{"_key":"9da255300335","_type":"span","marks":[],"text":"Passive funds, on the other hand, are devoid of ego and opinion. They're the well-behaved end of the fund market. No one makes a call on whether Share A is better than Share B. They simply follow what we call an index - or a list of shares or bonds in any given market. They buy them in proportion to their size and no judgement calls are made. If you buy a passive fund which invests in shares, you'll usually pay a fee to the fund manager of about 8-12p for every £100 you entrust to them. It’s a lot cheaper because it’s run by a computer, rather than an expensive human. "}],"markDefs":[],"style":"normal"},{"_key":"365e8264db90","_type":"block","children":[{"_key":"faa5a312feb3","_type":"span","marks":[],"text":"How to decide between active vs passive funds"}],"markDefs":[],"style":"h3"},{"_key":"b8221aa671cb","_type":"block","children":[{"_key":"4799dbdc92b40","_type":"span","marks":[],"text":"There are pros and cons to each approach. Passive funds will tend to be cheaper and have performed well over much of the past decade as a result of strong performance from the technology giants (which form a large share of most capitalisation-weighted indices). However, they can have certain biases – the MSCI World has a 70%+ weighting to the US[2],  for example. Equally, bond indices can have higher weights in companies that have issued the most bonds – i.e. the most indebted. This can increase risk."}],"markDefs":[],"style":"normal"},{"_key":"611ac6f8c648","_type":"block","children":[{"_key":"d022771f72c90","_type":"span","marks":[],"text":"With active funds, there tends to be extremes. Some fund managers will be very successful and deliver better returns than the wider market, while others will find their analysis doesn’t pay off. Investors need to be willing to take a risk on the manager’s skill."}],"markDefs":[],"style":"normal"},{"_key":"c39c65e3ba8a","_type":"block","children":[{"_key":"3c62d7c5ecdd","_type":"span","marks":[],"text":"The jury is out on which is best, but passive funds will inherently return the average of any market. Some active funds will go further and smash it – but others will underperform and charge you for the privilege! So it depends on your risk appetite, among other things. Happy to sit back and copy what the markets do? Passive is for you. Want to leave it to the experts to crunch the numbers and try to outperform? Then try active.\n"}],"markDefs":[],"style":"normal"},{"_key":"ad85bfad7fcf","_type":"block","children":[{"_key":"3d022ec4e243","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"769a3bdcb210","_type":"emailSignupWidget","brazeSubscriptionGroupId":"80bb057b-016f-4c60-8fed-bc2199e56dc7","brazeSubscriptionRef":{"_ref":"75cfa314-bcb6-4835-9c3d-28febc21b8d6","_type":"reference"},"image":{"_type":"mainImage","alt":"Sign up here!"},"paragraphText":"Get the best-performing funds, market commentary and jargon free insight delivered straight to your inbox every month. Join our Fund Newsletter.\n","title":"Sign up here!"},{"_key":"9082b2e04f18","_type":"block","children":[{"_key":"eca87e721854","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ed19b6fc9ee","_type":"block","children":[{"_key":"0ee0c876052d","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"1fdae174a2eb","_type":"block","children":[{"_key":"4e62aed3fa81","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3aafc66da691","_type":"block","children":[{"_key":"7eacb7f07336","_type":"span","marks":[],"text":"[1] "},{"_key":"d5da36f05625","_type":"span","marks":["873e1e148fbf"],"text":"PwC, March 2024"}],"markDefs":[{"_key":"873e1e148fbf","_type":"internalLinkPick","blank":true,"reference":{"_ref":"145cfde5-0dfc-42d5-920b-0b191331e84e","_type":"reference"}}],"style":"normal"},{"_key":"303192e61fb6","_type":"block","children":[{"_key":"1928cb41e922","_type":"span","marks":[],"text":"[2] "},{"_key":"341d43b08b6b","_type":"span","marks":["a4f8efc4fe28"],"text":"MSCI, November 2024"}],"markDefs":[{"_key":"a4f8efc4fe28","_type":"internalLinkPick","blank":true,"reference":{"_ref":"b300e7f8-9ee8-475d-85f0-bcccebda9deb","_type":"reference"}}],"style":"normal"},{"_key":"49a0d84ddbed","_type":"block","children":[{"_key":"cae41be45c6b","_type":"span","marks":[],"text":"[3] "},{"_key":"653072da076b","_type":"span","marks":["d77d4f4a9a3d"],"text":"Trustnet, January 2023"}],"markDefs":[{"_key":"d77d4f4a9a3d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"39231df5-0e90-4b9c-abc7-f980c11317c9","_type":"reference"}}],"style":"normal"}],"categories":[{"_key":"1a989c0fd8ee","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"},{"_key":"761051b73014","_ref":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","_type":"reference"},{"_key":"89ab44c91dc9","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"}],"excerpt":[{"_key":"0c5edb6fe2c3","_type":"block","children":[{"_key":"e3cfba5e3d06","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. 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Great for investing overseas and for outsourcing the decision-making to a professional."}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":true,"linkMenu":[{"_key":"8b72c2502fe7","_ref":"e7ee7375-de0b-4584-ab7c-316ed8adfc92","_type":"reference"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-38ee5a76884f602245c15a08ea6cd1cc47fe4200-3840x2160-png","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"607e940b-a7e0-4ec1-a5fa-7ee603b14620","_type":"reference"},"publishedAt":"2025-01-02T15:32:00.000Z","slug":{"_type":"slug","current":"funds"},"subfolder":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"template":"C-SB","theme":"Boring Money theme","title":"Funds Explained: The Ultimate No-Nonsense Guide for 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Think of it like a playlist of the Top 40 – no favourites, just a mix of the biggest names in a particular index or sector."}],"markDefs":[],"style":"normal"},{"_key":"1ceb43a32660","_type":"block","children":[{"_key":"96f8ca156efc","_type":"span","marks":[],"text":"Many popular ETFs "},{"_key":"0850ca2b4022","_type":"span","marks":["fafd2e21dbe2"],"text":"passively"},{"_key":"ce3c7c5dbf5c","_type":"span","marks":[],"text":" track well-known stock market indices, like the "},{"_key":"02b55600cbf4","_type":"span","marks":["20ba425f3599"],"text":"S&P 500"},{"_key":"f50e19f21248","_type":"span","marks":[],"text":", to give you broad exposure for a low cost. Others focus on "},{"_key":"1a8176d1fbbb","_type":"span","marks":["86eeea6d91ef"],"text":"investment themes "},{"_key":"3ddb33d4e3ac","_type":"span","marks":[],"text":"like Clean Energy, Artificial Intelligence, or Biotech."}],"markDefs":[{"_key":"86eeea6d91ef","_type":"glossaryPick","reference":{"_ref":"153b5d49-ccd6-4396-8965-dc69754a85a6","_type":"reference"}},{"_key":"20ba425f3599","_type":"glossaryPick","reference":{"_ref":"05f6786c-9e39-4f1b-9b78-4eb9b2623c01","_type":"reference"}},{"_key":"fafd2e21dbe2","_type":"glossaryPick","reference":{"_ref":"c1ebf065-a9a0-4501-b78b-4f8f534e09a7","_type":"reference"}}],"style":"normal"},{"_key":"0ab475c73058","_type":"block","children":[{"_key":"0d2480cbc0c7","_type":"span","marks":[],"text":"They're generally cheap and fast growing – the total value of ETFs globally topped $10.4 trillion in 2024.[1] And they're increasingly popular with beginners and pros alike."}],"markDefs":[],"style":"normal"},{"_key":"a6e369e3a60b","_type":"block","children":[{"_key":"0b348a449a79","_type":"span","marks":[],"text":""},{"_key":"195e516b7784","_type":"mainAnchor","pageAnchor":{"_ref":"094d1a3e-f7bf-4543-a216-e6804a5653f3","_type":"reference"}},{"_key":"e70f053ddfe5","_type":"span","marks":[],"text":"Are ETFs right for me?"}],"markDefs":[],"style":"h2"},{"_key":"dc3003b953c1","_type":"prosConsWidget","cons":["You want a professional fund manager to actively manage your money","You're confident in your ability to pick individual shares","You're chasing short-term gains or want high-risk, high-reward strategies"],"consTitle":"Bad if you","pros":["You’re new to investing and want something simple to start with","You’re cost-conscious and keen to keep investment fees low","You want to track the performance of a broad market or trend"],"prosTitle":"Good if you"},{"_key":"a6b6142f67a3","_type":"block","children":[{"_key":"9f4fef57d621","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b0821875a954","_type":"block","children":[{"_key":"237008b64779","_type":"span","marks":[],"text":""},{"_key":"9b0235f0f7c1","_type":"mainAnchor","pageAnchor":{"_ref":"a2748707-923a-4ba0-b66d-cbe3a285ea46","_type":"reference"}},{"_key":"966fd7cc4ecb","_type":"span","marks":[],"text":"The pros of investing in ETFs"}],"markDefs":[],"style":"h2"},{"_key":"2daceea74e1e","_type":"block","children":[{"_key":"0fb16cf8efb4","_type":"span","marks":[],"text":""},{"_key":"d509f53a14fc","_type":"mainAnchor","pageAnchor":{"_ref":"02838716-326d-4875-bd5e-a94679cff6f5","_type":"reference"}},{"_key":"e2a7d9e37c04","_type":"span","marks":[],"text":"✅ Diversification"}],"markDefs":[],"style":"h3"},{"_key":"0e130d474d07","_type":"block","children":[{"_key":"eb0ed54a42a6","_type":"span","marks":[],"text":"ETFs have become one of the most popular ways for UK investors to grow their money – and it’s easy to see why. 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This helps spread your risk, so you’re not overly reliant on the success of one company or region."}],"markDefs":[{"_key":"fa061852d70f","_type":"glossaryPick","reference":{"_ref":"4e600be7-9819-47d4-9ee6-de4019f8a10e","_type":"reference"}},{"_key":"8e75e3f2711c","_type":"glossaryPick","reference":{"_ref":"bbd21391-fb19-4ae7-9dd4-03e45b9ff515","_type":"reference"}},{"_key":"b316985c0945","_type":"glossaryPick","reference":{"_ref":"ffc3cd50-c9a6-4e8a-ae48-94a9f8ee2717","_type":"reference"}},{"_key":"b622e5c67b29","_type":"glossaryPick","reference":{"_ref":"ea467285-7d48-4093-b16e-76d3f8a95fc1","_type":"reference"}}],"style":"normal"},{"_key":"dd219d2cecbe","_type":"block","children":[{"_key":"0f730175fc32","_type":"span","marks":[],"text":""},{"_key":"a8f8ba6c722b","_type":"mainAnchor","pageAnchor":{"_ref":"b0ab7f9a-0fa8-4687-9b83-3ef5a0587973","_type":"reference"}},{"_key":"3c407d2db4e7","_type":"span","marks":[],"text":"✅ Low fees"}],"markDefs":[],"style":"h3"},{"_key":"a46b82ca88ed","_type":"block","children":[{"_key":"5d46b372571a","_type":"span","marks":[],"text":"Another key advantage is cost. Most ETFs are "},{"_key":"0b9b2b9e9dff","_type":"span","marks":["b8b50be98d3d"],"text":"passive"},{"_key":"8e8bd2189660","_type":"span","marks":[],"text":" investments, meaning they track a market index like the FTSE 100 or the S&P 500. Because there’s no "},{"_key":"3fb2be3b173c","_type":"span","marks":["2c913a83b466"],"text":"fund manager"},{"_key":"71d59e13e338","_type":"span","marks":[],"text":" picking stocks, fees are typically lower than actively managed funds. Lower costs mean more of your money stays invested and has the chance to grow over time. "},{"_key":"6c2c67071a58","_type":"span","marks":["856a5e29c1e0"],"text":"Actively managed "},{"_key":"cd0fe0297710","_type":"span","marks":[],"text":"ETFs do exist, but the majority available to UK investors are passive."}],"markDefs":[{"_key":"b8b50be98d3d","_type":"glossaryPick","reference":{"_ref":"c1ebf065-a9a0-4501-b78b-4f8f534e09a7","_type":"reference"}},{"_key":"856a5e29c1e0","_type":"glossaryPick","reference":{"_ref":"7842521c-6418-420e-9da3-e0906c64276b","_type":"reference"}},{"_key":"2c913a83b466","_type":"glossaryPick","reference":{"_ref":"52cb8779-f204-4e14-b5e9-c3bb3cf56993","_type":"reference"}}],"style":"normal"},{"_key":"3249e59424ed","_type":"block","children":[{"_key":"2c68ddd62deb","_type":"span","marks":[],"text":""},{"_key":"7f227bfb5410","_type":"mainAnchor","pageAnchor":{"_ref":"a4b43d5c-a5a5-4255-ae01-b959a3dd0ab9","_type":"reference"}},{"_key":"3062eaa63ad1","_type":"span","marks":[],"text":"✅ Easy to understand"}],"markDefs":[],"style":"h3"},{"_key":"37f50b1fc7f3","_type":"block","children":[{"_key":"d1204dacf593","_type":"span","marks":[],"text":"ETFs are also easy to buy and sell, since they’re traded on stock exchanges just like individual shares. You can invest through most major platforms or "},{"_key":"3a71dea0a54d","_type":"span","marks":["69cea6ea0437"],"text":"ISAs"},{"_key":"dc7b102e6944","_type":"span","marks":[],"text":" with a few clicks. Their transparency, simplicity, and low barrier to entry make them an ideal choice for beginner investors, those building a long-term portfolio, or anyone looking for a low-maintenance way to invest."}],"markDefs":[{"_key":"69cea6ea0437","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"},{"_key":"fba220811ee1","_type":"block","children":[{"_key":"251b3ab91b42","_type":"span","marks":[],"text":""},{"_key":"637f55890428","_type":"mainAnchor","pageAnchor":{"_ref":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"reference"}},{"_key":"394c78b910a7","_type":"span","marks":[],"text":"The cons of investing in ETFs"}],"markDefs":[],"style":"h2"},{"_key":"6fd746bca917","_type":"block","children":[{"_key":"c87d84ab8ed8","_type":"span","marks":[],"text":""},{"_key":"2a9231654e6b","_type":"mainAnchor","pageAnchor":{"_ref":"b0bf4eec-56c9-4216-a97b-9be7a3a35527","_type":"reference"}},{"_key":"37a31be65391","_type":"span","marks":[],"text":"❌ You can’t pick and choose"}],"markDefs":[],"style":"h3"},{"_key":"10435ab41deb","_type":"block","children":[{"_key":"db1c754fe0e3","_type":"span","marks":[],"text":"While ETFs are a great tool for many investors, they’re not without their downsides. One issue is lack of flexibility. Because ETFs typically track an index, you have no control over the individual companies included. If a sector you don’t support (like fossil fuels or tobacco) is heavily represented in a broad market ETF, there’s not much you can do about it. This can be a drawback for "},{"_key":"6c28ef491aaf","_type":"span","marks":["5aab59721fc3"],"text":"ethical"},{"_key":"370dd1259229","_type":"span","marks":[],"text":" investors who want to align their portfolio with their values."}],"markDefs":[{"_key":"5aab59721fc3","_type":"glossaryPick","reference":{"_ref":"5cb1800e-1555-43a2-83d8-bd1d19a586fe","_type":"reference"}}],"style":"normal"},{"_key":"7a60017a89b5","_type":"block","children":[{"_key":"6b38641ab2cc","_type":"span","marks":[],"text":""},{"_key":"bb505b264510","_type":"mainAnchor","pageAnchor":{"_ref":"cd10a6ae-7510-4135-8400-f12ba04fda3d","_type":"reference"}},{"_key":"7dd65ce281b4","_type":"span","marks":[],"text":"❌ Beware of owning too many"}],"markDefs":[],"style":"h3"},{"_key":"1728bd5cc2c2","_type":"block","children":[{"_key":"b1bfa84f2454","_type":"span","marks":[],"text":"Another thing to watch out for is over-diversification or “diworsification.” Some investors load up on lots of ETFs without realising there’s significant overlap between the "},{"_key":"e2c6c9e2e9bf","_type":"span","marks":["46e65d891c29"],"text":"underlying"},{"_key":"4b9bd5e1f275","_type":"span","marks":[],"text":" assets. For example, if you own a global ETF and a US-focused ETF, you might be doubling up on the same stocks. It’s important to understand what’s actually inside your ETFs to avoid unintended risk or redundancy."}],"markDefs":[{"_key":"46e65d891c29","_type":"glossaryPick","reference":{"_ref":"cb2d54a5-51bd-4510-96c6-badad138eff7","_type":"reference"}}],"style":"normal"},{"_key":"e3bd9ee6ecec","_type":"block","children":[{"_key":"14bac8b5c670","_type":"span","marks":[],"text":""},{"_key":"648c01633d9c","_type":"mainAnchor","pageAnchor":{"_ref":"34c4bdaa-bb71-424f-972c-c0de69e9f1df","_type":"reference"}},{"_key":"f41184660529","_type":"span","marks":[],"text":"❌ Still rise and fall with the market"}],"markDefs":[],"style":"h3"},{"_key":"e295c312435d","_type":"block","children":[{"_key":"ef70c1df0055","_type":"span","marks":[],"text":"Finally, while many ETFs are passive by design, that doesn’t mean they’re completely safe or immune to market crashes. If the market an ETF tracks drops, so will your investment. You’re accepting market returns – for better or worse. ETFs are a great foundation, but they’re not a silver bullet for investment success."}],"markDefs":[],"style":"normal"},{"_key":"95b1fcdbdfe9","_type":"block","children":[{"_key":"5f0da20db839","_type":"span","marks":[],"text":""},{"_key":"764983d86d97","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"81e7b973b1d5","_type":"span","marks":[],"text":"Top questions on ETFs"}],"markDefs":[],"style":"h2"},{"_key":"a181b5533fdb","_type":"block","children":[{"_key":"e98d4b06806c","_type":"span","marks":[],"text":""},{"_key":"a6126a3aa223","_type":"mainAnchor","pageAnchor":{"_ref":"9f5319b0-7128-4672-9d72-529aa7f21814","_type":"reference"}},{"_key":"64cb416ca8380","_type":"span","marks":[],"text":"How much do ETFs cost?"}],"markDefs":[],"style":"h3"},{"_key":"fc122a15382d","_type":"block","children":[{"_key":"7884beb22fb0","_type":"span","marks":[],"text":"ETFs trade on stock exchanges just like individual shares, which means you buy and sell them on online investment platforms. You will often be charged a commission on each buy or sell transaction."}],"markDefs":[],"style":"normal"},{"_key":"c502aabc7234","_type":"block","children":[{"_key":"dadf564d0a4b","_type":"span","marks":[],"text":"ETFs themselves usually have an annual "},{"_key":"1443cc198b51","_type":"span","marks":["89cfe4ee3312"],"text":"management fee"},{"_key":"0156aa55050c","_type":"span","marks":[],"text":", which is typically quite low - especially for large, well-known ETFs that track broad indices. However, more niche ETFs may charge slightly higher fees due to their specific focus. "}],"markDefs":[{"_key":"89cfe4ee3312","_type":"glossaryPick","reference":{"_ref":"639ead5f-b190-4b44-bc4f-805ab4d8fcf4","_type":"reference"}}],"style":"normal"},{"_key":"481a8c10a10d","_type":"block","children":[{"_key":"8658e29d1d86","_type":"span","marks":[],"text":"Another cost to consider is the "},{"_key":"253b1edbd313","_type":"span","marks":["7f92891a603e"],"text":"bid-ask spread"},{"_key":"8f784cbe584c","_type":"span","marks":[],"text":", which is the difference between the price at which a platform is willing to buy and sell the ETF – this is similar to a "},{"_key":"1ea37f15d05e","_type":"span","marks":["76b31858e487"],"text":"currency exchange"},{"_key":"45faed2a72af","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"7f92891a603e","_type":"glossaryPick","reference":{"_ref":"acfdf9ca-55f2-4ccd-8aee-3201a6153b7b","_type":"reference"}},{"_key":"76b31858e487","_type":"glossaryPick","reference":{"_ref":"c45b581e-8764-40ef-8780-ef02845ed5fc","_type":"reference"}}],"style":"normal"},{"_key":"7104cc654d2a","_type":"block","children":[{"_key":"a069bc4adb27","_type":"span","marks":[],"text":"In terms of "},{"_key":"2d94f54238dd","_type":"span","marks":["7648f8a791df"],"text":"transaction fees"},{"_key":"182bc4de1ace","_type":"span","marks":[],"text":", they will range from being free up to  £11.95 per trade depending on the platform you are investing on. If you’re making regular contributions to your ETF, these costs can add up over time, so it’s essential to keep an eye on fees - especially if you’re investing small amounts frequently."}],"markDefs":[{"_key":"7648f8a791df","_type":"glossaryPick","reference":{"_ref":"af4eb285-d6ee-484f-89ac-d776bbfcb0c5","_type":"reference"}}],"style":"normal"},{"_key":"6975d7bc829f","_type":"block","children":[{"_key":"2f25377ef185","_type":"span","marks":[],"text":""},{"_key":"743052052ddb","_type":"mainAnchor","pageAnchor":{"_ref":"043c4d3a-e208-4710-92d6-2a77330c0be0","_type":"reference"}},{"_key":"6348fbed8524","_type":"span","marks":[],"text":"Active vs passive ETFs"}],"markDefs":[],"style":"h3"},{"_key":"71cf2ab6ddd4","_type":"mainImage","asset":{"_ref":"image-7ca3e9317480168a1de35cfa1a4a9b3f6249f78e-1920x1080-png","_type":"reference"},"blankAltTag":true},{"_key":"397cdc9d2c24","_type":"block","children":[{"_key":"afae1c0135fa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ef4fc8c4ec3","_type":"block","children":[{"_key":"80803ed8ed2d","_type":"span","marks":[],"text":"The active vs passive debate is central to investing in ETFs. "}],"markDefs":[],"style":"normal"},{"_key":"fcc7ca1029b0","_type":"block","children":[{"_key":"d36caa331723","_type":"span","marks":[],"text":"A passive ETF tracks an index and aims to mirror its performance. This type of fund is cost-effective because there’s no need for an active fund manager to make investment decisions. While you won’t outperform the market, you’ll capture its returns at a low cost. Passive ETFs are great for investors who prefer a hands-off approach, and they provide broad exposure to various markets. However, you may end up owning companies or sectors that are underperforming."}],"markDefs":[],"style":"normal"},{"_key":"39b56cc28e27","_type":"block","children":[{"_key":"45bf65d5b435","_type":"span","marks":[],"text":"On the other hand, active ETFs involve fund managers selecting stocks with the goal of outperforming the index. These ETFs typically come with higher fees, as you're paying for the expertise of the manager. However, they could deliver higher returns if the manager makes smart picks. One thing to note: active managers often closely track the index to reduce risk, meaning their performance may not actually differ much from a passive strategy."}],"markDefs":[],"style":"normal"},{"_key":"3919761790f3","_type":"block","children":[{"_key":"6802e895452b","_type":"span","marks":[],"text":"If you're drawn to"},{"_key":"1222aa85e45a","_type":"span","marks":["df5690228e1c"],"text":" sustainable investing"},{"_key":"86b8927a6d8d","_type":"span","marks":[],"text":", active managers often have more flexibility to incorporate "},{"_key":"3487e95a3dc6","_type":"span","marks":["eae5e5481ca8"],"text":"environmental, social, and governance (ESG) "},{"_key":"8eba70cf1f85","_type":"span","marks":[],"text":"criteria into their investment decisions. So active ETFs may be a better option for investors who want to tailor their portfolios to specific values."}],"markDefs":[{"_key":"df5690228e1c","_type":"internalLinkPick","reference":{"_ref":"2635d13e-e79d-414d-80f5-86b565565227","_type":"reference"}},{"_key":"eae5e5481ca8","_type":"glossaryPick","reference":{"_ref":"a7d1841d-cfd3-4151-93ce-43daaf05f1e6","_type":"reference"}}],"style":"normal"},{"_key":"5626169115c5","_type":"block","children":[{"_key":"6d9656e55dae","_type":"span","marks":[],"text":""},{"_key":"9434f621ede7","_type":"mainAnchor","pageAnchor":{"_ref":"9d6b3b86-20cb-42ed-be57-39b5c31ebac1","_type":"reference"}},{"_key":"87fd1f0ee3300","_type":"span","marks":[],"text":"ETF market price vs NAV"}],"markDefs":[],"style":"h3"},{"_key":"df30e052414b","_type":"block","children":[{"_key":"6671df8b4f7a","_type":"span","marks":[],"text":"An important thing to understand when investing in ETFs is that their market price doesn’t always match their"},{"_key":"c70a6f382360","_type":"span","marks":["bc65bd6db096"],"text":" Net Asset Value (NAV)"},{"_key":"a651f663bd20","_type":"span","marks":[],"text":". "}],"markDefs":[{"_key":"bc65bd6db096","_type":"glossaryPick","reference":{"_ref":"fed61c02-3002-4768-9374-16377d6a555f","_type":"reference"}}],"style":"normal"},{"_key":"796eb49b3bd8","_type":"block","children":[{"_key":"fcf3345e3510","_type":"span","marks":[],"text":"ETFs trade on the stock exchange, so their prices are influenced by supply and demand – just like individual stocks. Ideally, the market price should reflect the NAV, but it doesn’t always happen. If there’s high demand for a particular ETF, its market price can trade at a premium (higher) to the NAV, and if there’s little interest, it can trade at a discount (lower)."}],"markDefs":[],"style":"normal"},{"_key":"01a9ae08d825","_type":"block","children":[{"_key":"05bfc6a06892","_type":"span","marks":[],"text":"This discrepancy is more common with niche or less "},{"_key":"dde4c707f5fd","_type":"span","marks":["6b0f00e2d964"],"text":"liquid"},{"_key":"74733ca41f02","_type":"span","marks":[],"text":" ETFs (such as real estate), as larger, more popular ETFs with high trading volumes tend to stay closer to their NAV. It's just something to watch out for, particularly if you’re investing in less-established sectors or thematic ETFs."}],"markDefs":[{"_key":"6b0f00e2d964","_type":"glossaryPick","reference":{"_ref":"695ac26e-f82d-442b-842b-88d99f69cd38","_type":"reference"}}],"style":"normal"},{"_key":"0ee2fe4427aa","_type":"block","children":[{"_key":"fd91f9506b31","_type":"span","marks":[],"text":""},{"_key":"1c4d3da0a2d3","_type":"mainAnchor","pageAnchor":{"_ref":"33d7a3c3-9d61-4c73-a2f7-c973a32550ec","_type":"reference"}},{"_key":"05068f1158a6","_type":"span","marks":[],"text":"What's the difference between ETFs, ETCs, and ETNs?"}],"markDefs":[],"style":"h3"},{"_key":"48b4b698e98f","_type":"block","children":[{"_key":"c0296ae51b8f","_type":"span","marks":[],"text":"You may see different acronyms that are associated with the better-known acronym ETF. 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Each month, we go straight to the source - top UK platforms like AJ Bell, Fidelity, Hargreaves Lansdown and interactive investor - to find out which ETFs are trending."}],"markDefs":[],"style":"normal"},{"_key":"32f226649c67","_type":"block","children":[{"_key":"f10106dc09d9","_type":"span","marks":[],"text":"Whether you're after inspiration, reassurance, or just a nosey peek at the crowd favourites, our regularly updated list reveals which ETFs are winning the popularity contest. 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Compare investment platforms, ISAs, and pensions through objective reviews and user ratings to find the perfect home for your money. Cut through the financial noise with expert guidance that empowers you to make smarter investment decisions without the confusing terminology that often surrounds personal finance.","enableGatedContent":true,"excerpt":[{"_key":"98dd0dbb9d5a","_type":"block","children":[{"_key":"bd51787a25a9","_type":"span","marks":[],"text":"Discover how Exchange-Traded Funds (ETFs) work in our beginner-friendly guide. Learn about diversification benefits, low costs, trading basics, and how to choose the right ETFs for your investment goals in 2025."}],"markDefs":[],"style":"normal"}],"gateStyle":"Original - Faded","gatedContentBody":[{"_key":"ee8cf9beea42","_type":"block","children":[{"_key":"403559427f68","_type":"span","marks":[],"text":"ETFs (Exchange-Traded Funds) have exploded in popularity, with global values exceeding $10.4 trillion in 2024. 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Investment Trusts can also retain income in strong years, allowing them to continue paying dividends during more difficult periods - a feature known as dividend smoothing."}],"markDefs":[{"_key":"5a8128b50585","_type":"glossaryPick","reference":{"_ref":"879c473d-ba07-433e-ad4d-217e24243b54","_type":"reference"}}],"style":"normal"},{"_key":"080731a11e49","_type":"block","children":[{"_key":"67dabc5842bb","_type":"span","marks":[],"text":"In summary, Investment Trusts offer a flexible, expert-led way to invest in a variety of markets and sectors, with the added bonus of potentially generating a regular stream of income too."}],"markDefs":[],"style":"normal"},{"_key":"a37339e7a09b","_type":"block","children":[{"_key":"b6119c2d8f7f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e7c00b3b2796","_type":"block","children":[{"_key":"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. 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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. That means a small market dip can lead to a bigger hit to your investment."}],"markDefs":[],"style":"normal"},{"_key":"32ee3a8b93d0","_type":"block","children":[{"_key":"849b6da99cad","_type":"span","marks":[],"text":"Think of it like going downhill on a bike - fast and fun when things are smooth, but risky if you hit a bump."}],"markDefs":[],"style":"normal"},{"_key":"ce08f334bd29","_type":"block","children":[{"_key":"492b89afc6c8","_type":"span","marks":[],"text":"Not all trusts use gearing, and those that do vary in how much. If you're risk-averse, nearing retirement, or might need your money soon, a geared trust may not be the right fit. 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This means it might be harder to sell your shares quickly when you want to (illiquid). If there aren’t many buyers, you could be forced to accept a lower price than you hoped for."}],"markDefs":[],"style":"normal"},{"_key":"df7649b1e765","_type":"block","children":[{"_key":"b0e293350f66","_type":"span","marks":[],"text":"In simple terms, it’s like trying to sell a rare item that not many people want right now. This can make your investment less flexible, which might be a problem if you need cash quickly."}],"markDefs":[],"style":"normal"},{"_key":"1b3ad41fd2ed","_type":"block","children":[{"_key":"a9f42b998d41","_type":"span","marks":[],"text":"If you’re new to Investment Trusts, it’s worth checking how often a trust’s shares trade before buying. Larger, more popular trusts usually have better liquidity, making it easier to buy and sell without a hassle. 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"}],"markDefs":[{"_key":"aaabc6610285","_type":"glossaryPick","reference":{"_ref":"4e600be7-9819-47d4-9ee6-de4019f8a10e","_type":"reference"}},{"_key":"6255bb0f158a","_type":"glossaryPick","reference":{"_ref":"6b92523e-8382-472b-a1d9-c0e1654e0ad7","_type":"reference"}},{"_key":"9a1e943af354","_type":"glossaryPick","reference":{"_ref":"cb2d54a5-51bd-4510-96c6-badad138eff7","_type":"reference"}},{"_key":"fa4b026e21bd","_type":"glossaryPick","reference":{"_ref":"165e2844-2508-4b9c-988e-01423983d304","_type":"reference"}}],"style":"normal"},{"_key":"e54f9f58d6eb","_type":"block","children":[{"_key":"9c009c4938d8","_type":"span","marks":[],"text":"Ready-made portfolios can be a great way for beginners to take their first steps into the world of investing. It’s the ultimate low effort way to invest – without having to spend hours scouring the internet doing your own research. "}],"markDefs":[],"style":"normal"},{"_key":"d3ead61d6c21","_type":"block","children":[{"_key":"c0dfd1509888","_type":"span","marks":[],"text":"They're often well-diversified, meaning they take steps to spread your "},{"_key":"9c923e007484","_type":"span","marks":["cf36465504d9"],"text":"investment risk"},{"_key":"a4192dd9c7ba","_type":"span","marks":[],"text":", which may include investing in:"}],"markDefs":[{"_key":"cf36465504d9","_type":"internalLinkPick","reference":{"_ref":"5c5d525c-fda5-421a-aa58-0cffb97b4c8d","_type":"reference"}}],"style":"normal"},{"_key":"bbcba856a871","_type":"block","children":[{"_key":"99b91b43146b","_type":"span","marks":[],"text":"Different types of asset, such as "},{"_key":"e31bbb645c08","_type":"span","marks":["09036afb4c99"],"text":"shares"},{"_key":"4627b8514e3a","_type":"span","marks":[],"text":" and "},{"_key":"13546b44a193","_type":"span","marks":["5183d26a5c8a"],"text":"bonds"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"09036afb4c99","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}},{"_key":"5183d26a5c8a","_type":"internalLinkPick","reference":{"_ref":"583a0e19-d23d-4df3-989f-54c2368f0d41","_type":"reference"}}],"style":"normal"},{"_key":"41e8abe4d9f8","_type":"block","children":[{"_key":"9cc1ce18c7b1","_type":"span","marks":[],"text":"Across different regions, such as developed and developing markets"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"872a429aea56","_type":"block","children":[{"_key":"fe1c764f779a","_type":"span","marks":[],"text":"Different sectors of the economy, such as energy and agriculture"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"6cfadaf03c03","_type":"block","children":[{"_key":"827412f5b4e40","_type":"span","marks":[],"text":"Usually, a provider will offer a selection of ready-made portfolios tailored to different risk levels. 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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. 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It’s important however to understand what we really mean when we talk about investment ‘risk’ before you make a decision."}],"markDefs":[],"style":"normal"},{"_key":"921a38fb4d03","_type":"block","children":[{"_key":"bbb7b3c50de90","_type":"span","marks":[],"text":"It’s not the same as - let's say - gambling, skiing down the black run, or even driving on the motorway at 100 miles per hour. Investment risk is actually all about volatility and how much the stock market can fluctuate over a given period of time. If you're investing over 30 years, for example, the ups and downs of today don't matter as much because you’ve got plenty of time to make up for any poor performances. But if, on the other hand, you’re investing for only 5 years, your investments would have a lot less time to recover if markets took a dip. 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For those people investing with shorter time horizons - five years or so - or who don't have an appetite for alarming ups and downs, the low risk portfolios could be a good option. In theory, they should offer a smoother investment ride; they will make less over the long-term, but face less short-term volatility. Less than five years though and cash may be your best bet."}],"markDefs":[],"style":"normal"}]},{"_key":"82fedf2607f2","_type":"block","children":[{"_key":"8fd35a343b0f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2c835a525aea","_type":"block","children":[{"_key":"1ef87a462c1a0","_type":"span","marks":[],"text":"It’s also important to remember the very real risk of underestimating the impact of "},{"_key":"978d3055f439","_type":"span","marks":["1a8ada013d70"],"text":"inflation"},{"_key":"6d0cbd2e7e61","_type":"span","marks":[],"text":" on cash. Though it’s understandable to feel unsure and even nervous about investing your money, you could be locking yourself into losses if you leave your money in a current account or low interest savings account. Inflation will chew away at your pot over the longer-term and you could end up with savings that are worth considerably less than they were when you started. For example, if inflation is at 5% and you’re only earning 3% interest on your current account, then you’re actually losing 2% in real terms."}],"markDefs":[{"_key":"1a8ada013d70","_type":"glossaryPick","reference":{"_ref":"9d62b1af-7674-4f39-ba20-b0154d565241","_type":"reference"}}],"style":"normal"},{"_key":"7225e60d248d","_type":"block","children":[{"_key":"6b1ed8141a9d0","_type":"span","marks":[],"text":"For those aiming to save for five years or less, this is less of a concern, but the cumulative effect of inflation over periods longer than this could erode the value of your savings. 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You pick your risk level, and the experts handle the rest - from choosing the investments to managing them over time. Great for beginners, time-poor professionals, or anyone who wants to invest without becoming a part-time fund manager!"}],"markDefs":[],"style":"normal"},{"_key":"2837ea39eec8","_type":"block","children":[{"_key":"cb14a1d4ec74","_type":"span","marks":[],"text":"💰 Expert-managed, but can be pricey"}],"markDefs":[],"style":"h3"},{"_key":"16d2f465f1dc","_type":"block","children":[{"_key":"bf2e454055a8","_type":"span","marks":[],"text":"These portfolios typically charge all-in fees of 0.5% to 1% a year, which covers the cost of managing your investments. Robo advisers tend to sit at the higher end of that range, but you’re paying for automation, ongoing rebalancing, and a plug-and-play experience. 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The service is not the most exciting in town, and the supporting content and website could use some work, but they now have a decent app to support the journey. Changes to costs mean this is not the slam-dunk on costs for smaller investors that it used to be BUT it remains a pretty good value solution for people who don't want to choose from a range of funds and shares. Its Managed ISA and pension service are the most cost-effective and these ready-made options will please people who don't know how to - or who choose not to - manage a full portfolio themselves."}],"markDefs":[],"style":"normal"}]},{"_key":"2558928113d4","_type":"block","children":[{"_key":"1f2d365d2a22","_type":"span","marks":["em"],"text":"*This is the view of investment expert Holly Mackay based on her first-hand customer experience as a test account holder. This does not constitute regulated advice. 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There is also the choice of ready-made portfolios, such as the famed LifeStrategy range. Note that individual shares, investment trusts and other investments such as bonds are not available with a Vanguard ISA."}],"markDefs":[],"style":"normal"},{"_key":"7fc7f2136b79","_type":"block","children":[{"_key":"6a157b1d58230","_type":"span","marks":[],"text":"The cost of investing with a Vanguard ISA differs depending on how much you invest and your account type. For a self-managed Stocks and Shares ISA, the account fee is £4 a month for balances under £32,000 and 0.15% a year for balances over £32,000, with a maximum of £375 a year. The fund management cost ranges from 0.06% to 0.79%, depending on the specific fund. 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There is also the option to take a quiz and have Vanguard match you with investments that “fit your attitude to risk”, plus get optional access to expert guidance."}],"markDefs":[],"style":"normal"},{"_key":"407bb9ed5695","_type":"block","children":[{"_key":"521b840f5769","_type":"span","marks":[],"text":"The cost of investing with a Vanguard SIPP differs depending on how much you invest and your account type. For a managed SIPP, the account fee is 0.15% a year, with an additional 0.30% management fee and fund management charges of about 0.17% depending on your portfolio, totalling an all-in cost of around 0.62%."}],"markDefs":[],"style":"normal"},{"_key":"a86bea1be945","_type":"block","children":[{"_key":"01625865722d0","_type":"span","marks":[],"text":"You can set up a Vanguard SIPP with a £500 initial lump sum or start with £100 monthly regular investing installments."}],"markDefs":[],"style":"normal"},{"_key":"07744add9fa4","_type":"block","children":[{"_key":"4c88dc876e77","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9c1bb78bc213","_type":"block","children":[{"_key":"f4305fe1f515","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Vanguard Pension review"},{"_key":"655bbfdee49e","_type":"block","children":[{"_key":"5be44949b009","_type":"span","marks":[],"text":""},{"_key":"c8c7452b0adf","_type":"mainAnchor","pageAnchor":{"_ref":"ee27d09d-a3cd-4792-9e2a-c3c517b2e0b2","_type":"reference"}},{"_key":"2fcee4b1fdf5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b27178c94a73","_type":"textboxWidget","text":[{"_key":"39d0b591ba1b","_type":"block","children":[{"_key":"83f84237eb81","_type":"span","marks":[],"text":"Vanguard 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":"7ff43d774b85","_type":"block","children":[{"_key":"c07b73d150f00","_type":"span","marks":[],"text":"Like the adult Stocks & Shares ISA, JISA users can choose from a range of investments including over 85 funds, ETFs and Vanguard’s own ready-made portfolios. 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Any amount above this threshold is unlikely to be covered. Investments with Vanguard, on the other hand, are not guaranteed - by their nature, investments can and will go up and down in value."}],"markDefs":[],"style":"normal"},{"_key":"3d0f6d9cf4f7","_type":"block","children":[{"_key":"50aa8a6a1197","_type":"span","marks":[],"text":""},{"_key":"a4bbeea1bc80","_type":"mainAnchor","pageAnchor":{"_ref":"565edaa6-ad24-4e23-9720-11938d4dd074","_type":"reference"}},{"_key":"5928213953fc","_type":"span","marks":[],"text":"Who owns Vanguard?"}],"markDefs":[],"style":"h3"},{"_key":"0974ad308043","_type":"block","children":[{"_key":"205f6431eb040","_type":"span","marks":[],"text":"John C. Bogle (1929–2019) founded Vanguard in 1975. Since its inception, Bogle structured Vanguard to be owned by its own funds, which in turn means it’s owned by its own investors. 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If you already hold Vanguard funds with another provider, you can transfer these to Vanguard directly as units or shares in what is known as an ‘in specie transfer’."}],"markDefs":[],"style":"normal"},{"_key":"266d49796e46","_type":"block","children":[{"_key":"60543bb16a5f0","_type":"span","marks":[],"text":"Individuals with a defined benefit/final salary pension scheme worth over £30,000 need to have their transfer signed off by a registered financial adviser first. 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Vanguard’s S&P 500 Acc – more commonly known as VUAG – is a frequent member of our monthly "},{"_key":"d6fff89ab6ac","_type":"span","marks":["11253ab206e1"],"text":"best-selling funds"},{"_key":"3464e34ea244","_type":"span","marks":[],"text":" round-up."}],"markDefs":[{"_key":"11253ab206e1","_type":"internalLinkPick","reference":{"_ref":"aadcd51e-3d7b-47ae-94da-4226f4f25ea8","_type":"reference"}}],"style":"normal"},{"_key":"1a5a43ffe995","_type":"block","children":[{"_key":"6e451d037246","_type":"span","marks":[],"text":""},{"_key":"21b765e7435d","_type":"mainAnchor","pageAnchor":{"_ref":"08f91d37-f8e6-4d45-bf2f-c8d9fb950e62","_type":"reference"}},{"_key":"9a608bfe3cf8","_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? 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Remember that investments can also fall, so you might not get all of your money back. 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Get total access to our research-backed views, information on costs, charges and more.","enableGatedContent":true,"excerpt":[{"_key":"1565e8af9116","_type":"block","children":[{"_key":"8ab9e5887cf3","_type":"span","marks":[],"text":"Low-cost, no frills investing. The website is fine and supports those who want a simple buy and hold approach. Their LifeStrategy funds offer ready-made investment solutions and with over 30 million mostly happy customers globally, this feels like a safe option for most. 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This is where shares come in. They let us own a small slice of a company, so if they do well, so do we. And if they flop, we lose money."}],"markDefs":[],"style":"normal"},{"_key":"a0e51805f65c","_type":"block","children":[{"_key":"1d694591f0bd0","_type":"span","marks":[],"text":"Also known as stocks, or equities, shares exist to enable companies to raise money to fund their activity and growth. Individuals or companies buy shares, and give that company some money in return for ownership of a small piece of that business."}],"markDefs":[],"style":"normal"},{"_key":"059b41aceadf","_type":"block","children":[{"_key":"e2ce0bb15dbb0","_type":"span","marks":[],"text":"The thought process behind buying a share is no more complicated than what you see on Dragon's Den. You're the dragon trying to work out if you should invest in the company or not. But buying a single share can actually be a risky way to access the stock market. Why? Well, you're putting all your eggs in one basket."}],"markDefs":[],"style":"normal"},{"_key":"406e204d28d3","_type":"block","children":[{"_key":"8fe730591b110","_type":"span","marks":[],"text":"We spoke to a lady who was horrified that she bought M&S shares and they went down. \"I mean, it was M&S! They're really busy!\" Just because it's a big brand which looks safe and solid, doesn't necessarily mean they're making decent profits that year or tracking to plan. "}],"markDefs":[],"style":"normal"},{"_key":"a8166423face","_type":"block","children":[{"_key":"fb63eec8d60f","_type":"span","marks":[],"text":""},{"_key":"47a7d68d0f5b","_type":"mainAnchor","pageAnchor":{"_ref":"418e4e74-c858-4625-9d7a-8c06f7c6e4ad","_type":"reference"}},{"_key":"758bdfebe7ed","_type":"span","marks":[],"text":"Are shares right for me?"}],"markDefs":[],"style":"h2"},{"_key":"0deb8561d20a","_type":"block","children":[{"_key":"c181c818cb3f","_type":"span","marks":[],"text":"15% of UK adults own shares [1], but they're not the right sort of investment for everyone - especially if you're low on time or looking for an easy way to put your money behind several companies. Here's an overview of some of the main pros and cons of shares."}],"markDefs":[],"style":"normal"},{"_key":"db9f89042c3f","_type":"prosConsWidget","cons":["Want a global mix of investments ","Are time poor ","Will only choose 2 or 3!"],"consTitle":"Bad if you ","pros":["Actively follow the markets","Want to be in charge","Have time to dedicate to this "],"prosTitle":"Good if you "},{"_key":"c3a7ffeffbb7","_type":"block","children":[{"_key":"271a51c12db2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5b2ffecea1c4","_type":"block","children":[{"_key":"05c92c04fca2","_type":"span","marks":[],"text":""},{"_key":"4bc185b25eec","_type":"mainAnchor","pageAnchor":{"_ref":"126f92a2-61db-45bc-9444-4172007cc99b","_type":"reference"}},{"_key":"41d53cf47ed5","_type":"span","marks":[],"text":"Cash vs shares"}],"markDefs":[],"style":"h2"},{"_key":"bd1126eb98eb","_type":"block","children":[{"_key":"0612752e8969","_type":"span","marks":["strong"],"text":"If you had put £10,000 away in 2015, what would it be worth by the end of September 2025?"}],"markDefs":[]},{"_key":"a5368c85fe2c","_type":"block","children":[{"_key":"da32cdb4e3ce","_type":"span","marks":[],"text":"The graph below shows you a recent example of how cash has performed compared to stock market shares. For the purposes of this illustration, we've looked at the growth of a single £10,000 lump sum investment in cash and in two stock market indices: the "},{"_key":"c79b9014dcc5","_type":"span","marks":["4b175e3b60cd"],"text":"FTSE 100"},{"_key":"31e14e27f0b1","_type":"span","marks":[],"text":" and "},{"_key":"fa15bb1b35a8","_type":"span","marks":["ccbe1340ca9f"],"text":"MSCI World"},{"_key":"5e096fa1dd9d","_type":"span","marks":[],"text":" (you can read more about these below the image)."}],"markDefs":[{"_key":"4b175e3b60cd","_type":"glossaryPick","reference":{"_ref":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"reference"}},{"_key":"ccbe1340ca9f","_type":"glossaryPick","reference":{"_ref":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"reference"}}],"style":"normal"},{"_key":"a8cf71d02792","_type":"block","children":[{"_key":"d84597919bbd","_type":"span","marks":[],"text":"It's clear to see that leaving your money in cash (pink) led to significantly less growth over the period between 2015-2025 than if you had invested in stock markets. And although the British FTSE 100 Index (blue) didn't perform quite as well as MSCI World (green), it still climbed to £2,182 - compared to gains of just £1,180 from cash over the same time period. Of course, these numbers look measly compared to MSCI World's impressive £3,348 gain."}],"markDefs":[],"style":"normal"},{"_key":"eacbefb8908a","_type":"block","children":[{"_key":"7186a99d615e","_type":"span","marks":[],"text":"NB: The dip you can see after Q4 2019 reflects the start of the COVID-19 pandemic and subsequent global lockdowns."}],"markDefs":[],"style":"normal"},{"_key":"b33adb272cf6","_type":"frameWidget","href":"https://www.canva.com/design/DAG7OFE42_c/V25AjrWXM8szDDn7pZL9bg/view?embed"},{"_key":"9898bcddeff8","_type":"block","children":[{"_key":"2f05e2427ec8","_type":"span","marks":["em"],"text":"Source: FE FundInfo. "}],"markDefs":[],"style":"small"},{"_key":"906d1a3db60a","_type":"block","children":[{"_key":"b29deef19a8e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d745e25d9983","_type":"block","children":[{"_key":"d611edb2ae67","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"adb9f4083d5c","_type":"block","children":[{"_key":"22374dbfb4fe","_type":"span","marks":[],"text":""},{"_key":"c07bbbc35194","_type":"mainAnchor","pageAnchor":{"_ref":"223c3cb3-164a-4144-b7ec-60a049133752","_type":"reference"}},{"_key":"91a17272db40","_type":"span","marks":[],"text":"Will shares outperform cash in the next 10 years?"}],"markDefs":[],"style":"h2"},{"_key":"15bd2c48638c","_type":"block","children":[{"_key":"d367b10febfa","_type":"span","marks":[],"text":"Just like the weather, it's impossible to predict what the future holds. All we can do is show what has happened in the past. Shares are a bumpier ride than cash – and not a short-term thing. Anyone who says they can guarantee you'll make money is probably lying. There are risks. But research tells us that shares have done better than cash 9 times out of 10 over any 10 year period since the stock markets began."}],"markDefs":[],"style":"normal"},{"_key":"e51d6e72bf95","_type":"block","children":[{"_key":"9b843e253e7f0","_type":"span","marks":[],"text":"You buy and sell them on the stock market and, just like eBay, people make bids and offers. But it all happens super fast. Prices bounce up and down and at the end of the day it all comes down to sentiment – if loads of people want a slice of the action and these things are flavour of the month (think Nintendo after Pokemon Go), then prices rise as the sellers get a bit cockier. If people get turned off and the share in question is uncool, then everyone tries to offload them and the asking price falls."}],"markDefs":[],"style":"normal"},{"_key":"2c5c408f7745","_type":"block","children":[{"_key":"5517dd075cf1","_type":"span","marks":[],"text":"Curious about what's got investors' interest this week? Catch up with Holly's award-winning blog every Friday for the low-down on what's going on in stock markets, how it could impact your finances, and some no-nonsense food for thought to help you make better money choices."}],"markDefs":[],"style":"normal"},{"_key":"f73008bb0852","_type":"block","children":[{"_key":"1330f0821be2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2ce8804a8fc7","_type":"emailSignupWidget","brazeCustomAttributes":[{"_key":"8b471fe69932","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_blog","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/shares/"}],"emailSignupWidgetButtonText":"SIGN UP","image":{"_type":"mainImage","alt":"Image of Boring Money CEO Holly Mackay","asset":{"_ref":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png","_type":"reference"}},"paragraphText":"Sign up for no-nonsense tips, tricks and food for thought every Friday!","thankYouText":[{"_key":"ee1425e50c90","_type":"block","children":[{"_key":"03c4926a2d3f","_type":"span","marks":[],"text":"Thank you for signing up!"}],"markDefs":[],"style":"normal"}],"title":"Want to get Holly's weekly blog straight to your inbox?"},{"_key":"b2dea6276185","_type":"block","children":[{"_key":"023c64412ca5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"28d3689c637a","_type":"block","children":[{"_key":"76733dfbfc45","_type":"span","marks":[],"text":""},{"_key":"0a9998a15f58","_type":"mainAnchor","pageAnchor":{"_ref":"b51797d9-dc13-41da-a375-b898f0a9e850","_type":"reference"}},{"_key":"0c127d60e2f30","_type":"span","marks":[],"text":"How can I buy shares?"}],"markDefs":[],"style":"h2"},{"_key":"104c6e83ed38","_type":"block","children":[{"_key":"c60e50ec6f020","_type":"span","marks":[],"text":"Rather than going to companies directly and asking to buy a share of their business, we access shares through a central market otherwise known as the Stock Exchange. Companies will 'list' on the Stock Exchange, which means anyone can buy or sell a share."}],"markDefs":[],"style":"normal"},{"_key":"6b952a371b27","_type":"block","children":[{"_key":"c96caa808e100","_type":"span","marks":[],"text":"The Stock Exchange can be accessed through online investment platforms, many of which are beginner-friendly. These platforms allow you to purchase a small percentage of some of the world's largest companies - this ranges from BP to HSBC, Apple to Samsung, and Microsoft to British Airways."}],"markDefs":[],"style":"normal"},{"_key":"22300cbe9ed3","_type":"block","children":[{"_key":"7a5c50542b870","_type":"span","marks":[],"text":"You can either buy individual shares directly - through an online broker or an investment platform - or purchase a fund in order to get exposure to dozens of shares in one fell swoop. If you're new to investing and don't know where to start, check out our hand-selected Best For Beginners award winners to see which providers we think are the best starting point."}],"markDefs":[],"style":"normal"},{"_key":"6edb4bdd89cb","_type":"block","children":[{"_key":"b8900097f7ce","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best For Beginners award winners "}],"markDefs":[],"style":"normal"}],"_key":"61821a40134b","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"b5821c35-fa71-43c3-8f89-cc7b29ad9030","_type":"reference"},"text":"CLICK HERE"},{"_key":"adc43eba0539","_type":"block","children":[{"_key":"fa3bf0ee3f7a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ea21677253e9","_type":"block","children":[{"_key":"67c0573a3e1a","_type":"span","marks":[],"text":""},{"_key":"d6fc0adcefb5","_type":"mainAnchor","pageAnchor":{"_ref":"81ce9ca2-c137-4518-a387-0704343a7403","_type":"reference"}},{"_key":"a3c5345fe75c0","_type":"span","marks":[],"text":"Buying bulk shares through a fund"}],"markDefs":[],"style":"h3"},{"_key":"e398386f79e3","_type":"block","children":[{"_key":"87b61ebbd9e70","_type":"span","marks":[],"text":"The concept of buying shares through a "},{"_key":"5d2b30ca7f3e","_type":"span","marks":["69d28fa112e1"],"text":"fund"},{"_key":"b1c54b0016d7","_type":"span","marks":[],"text":" is similar to buying a mixed case of wine. You don't have time to pick individual bottles, or you don't want the responsibility of choosing the best, so you let it be done for you. You're outsourcing the selection of individual components to someone else."}],"markDefs":[{"_key":"69d28fa112e1","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"338dc4e1da41","_type":"block","children":[{"_key":"a6c6dd0980fc0","_type":"span","marks":[],"text":"A single fund will usually house around 30-60 shares. Whilst someone else may have invested £1,000 into an individual share, a very small percentage of your £1,000 may be invested in the same company. If that business then takes a hit, you won't be so badly affected - the majority of your money is invested elsewhere. 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If you want to buy a few shares or a fund, then it's usually best to open up an account online and use your annual tax-free "},{"_key":"299e331da67d","_type":"span","marks":["3b82ca551e01"],"text":"ISA"},{"_key":"3e0755bd3239","_type":"span","marks":[],"text":" allowance if you can."}],"markDefs":[{"_key":"3b82ca551e01","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"},{"_key":"84839ede04c6","_type":"block","children":[{"_key":"3f2cb72aaf06","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best Buy ISAs for your investing needs"}],"markDefs":[],"style":"normal"}],"_key":"ac4d4573cacf","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"5027ed98-4e53-4e94-8fc1-9d370b15dd5c","_type":"reference"},"text":"CLICK HERE"},{"_key":"92e08f9b828e","_type":"block","children":[{"_key":"d1d42ee1879b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dc479e2b8db6","_type":"block","children":[{"_key":"7222f974db16","_type":"span","marks":[],"text":""},{"_key":"399f39b611a8","_type":"mainAnchor","pageAnchor":{"_ref":"bd7d91db-0143-49c9-b079-df3872327a31","_type":"reference"}},{"_key":"a6579f69575f0","_type":"span","marks":[],"text":"Buying individual shares directly"}],"markDefs":[],"style":"h3"},{"_key":"b3155957d51f","_type":"block","children":[{"_key":"a1c8070511b00","_type":"span","marks":[],"text":"When buying individual shares directly, you will encounter trading costs. You will typically encounter about £10 a pop, and 0.5% stamp duty to the government. This can accumulate to become an expensive way of buying small shares. The upside is that after initial purchase, you will not have to pay management fees as you would have with a fund - there's nothing to manage."}],"markDefs":[],"style":"normal"},{"_key":"19188e074c4d","_type":"block","children":[{"_key":"3edc6186140b0","_type":"span","marks":[],"text":"Buying a couple of individual shares is a risky way to get exposure to the markets - especially for less experienced investors. You have all of your investment tied into one or two businesses. If it goes badly for them, you're in trouble."}],"markDefs":[],"style":"normal"},{"_key":"c1ea16d293cf","_type":"block","children":[{"_key":"a0d9ca4cc8680","_type":"span","marks":[],"text":"This method is good for people who like to take an interest in the market, are time-rich, and confident to make decisions themselves. Shares are not so good if you are busy, don’t feel expert in this subject, or will only pick shares in companies you know and love."}],"markDefs":[],"style":"normal"},{"_key":"14b7bafe231d","_type":"block","children":[{"_key":"784213c5029c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best For Share Traders award winners"}],"markDefs":[],"style":"normal"}],"_key":"9141a0d45cf4","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"2d69df37-02bf-43eb-aed4-2624da81fbf6","_type":"reference"},"text":"CLICK HERE"},{"_key":"3135ea061a1a","_type":"block","children":[{"_key":"2d049f7f9571","_type":"span","marks":[],"text":"------"}],"markDefs":[],"style":"normal"},{"_key":"e4ce4c0148b1","_type":"block","children":[{"_key":"03f7ad822c7e","_type":"span","marks":[],"text":"[1] Online Investing Report, "},{"_key":"ec4be879d4a9","_type":"span","marks":["8cee69180130"],"text":"Boring Money "}],"markDefs":[{"_key":"8cee69180130","_type":"internalLinkPick","reference":{"_ref":"63b42a1b-dc9a-40bb-8a62-f580487de19e","_type":"reference"}}],"style":"normal"}],"categories":[{"_key":"171e98dc55ea","_ref":"9338f25b-7551-48c3-afff-03e9bc5608c3","_type":"reference"},{"_key":"912294bd8e37","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"0551e4791b33","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"},{"_key":"1287b6c4ce2e","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"excerpt":[{"_key":"947232828c12","_type":"block","children":[{"_key":"dd7bb8ce2ec7","_type":"span","marks":[],"text":"Shares simply let us own a small slice of a company. If they do well, so do we. If they flop, we lose money. Also known as stocks, or equities, shares exist to enable companies to raise money to fund their activity and growth."}],"markDefs":[],"style":"normal"}],"linkMenu":[{"_key":"ab3de5ca4b81","_ref":"a8e07a65-4c89-4487-8d36-74e328e9b292","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":"shares","asset":{"_ref":"image-e3cb48c2ce818fdd386c33daf36be5d713f09696-3840x2160-png","_type":"reference"}},"pageBreadcrumb":{"_ref":"607e940b-a7e0-4ec1-a5fa-7ee603b14620","_type":"reference"},"publishedAt":"2025-12-11T16:43:20.418Z","slug":{"_type":"slug","current":"shares"},"subfolder":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"template":"SB-C","title":"Shares Explained: A Beginner’s Guide to Buying and Investing in Stocks","widgets":[{"_key":"784de124229e","_ref":"79cbfce0-99a3-451e-82d4-c0b6a4487777","_type":"reference"},{"_key":"6e44d89729b2","_ref":"2d98a13f-5211-453c-be9e-9785894654db","_type":"reference"},{"_key":"59aabf5d8de0","_ref":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","_type":"reference"},{"_key":"ea6e2095c7dc","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-51fe97e3-1e21-50cd-9dc2-d21bd0716ede","children":[],"parent":null}}],"style":"normal"},{"_key":"ae8693377528","_type":"block","children":[{"_key":"925bf5fc3575","_type":"span","marks":[],"text":"Intermediate investors"}],"markDefs":[],"style":"h4"},{"_key":"511689fd50f5","_type":"block","children":[{"_key":"fb65c7af30ce","_type":"span","marks":[],"text":"If you're reasonably confident when it comes to investing, you know what you want and don't mind handling some of the decisions yourself, selecting a decent-sized range of "},{"_key":"cda1838f9d28","_type":"span","marks":["7d48bf1e1468"],"text":"funds"},{"_key":"6a01878f5a2a","_type":"span","marks":[],"text":" - say, 8 to 12 - should suffice."}],"markDefs":[{"_key":"7d48bf1e1468","_type":"internalLinkPick","reference":{"_id":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"information","_rev":"vIm9lhvf1eHBOprgleGFQF","_createdAt":"2021-06-22T10:49:30Z","_updatedAt":"2025-09-01T10:07:48Z","_system":{"base":{"id":"0bc8b13d-830e-4469-8ffe-6af27456b538","rev":"0iD6p61whJS2ZGE5T7VEFt"}},"authors":[{"_key":"9b488bad30a4","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"728ad57473cb","_type":"block","children":[{"_key":"150f7b31de0a","_type":"span","marks":[],"text":"By "},{"_key":"e55603603258","_type":"span","marks":["strong"],"text":"Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"e8df298b8c6b","_type":"anchorMenuMobile","title":"menu"},{"_key":"9473358fe106","_type":"block","children":[{"_key":"17cf1610cca6","_type":"span","marks":[],"text":""},{"_key":"91398572c6f0","_type":"mainAnchor","pageAnchor":{"_ref":"c092d7ca-1d59-4a6f-ae22-c1659dda889d","_type":"reference"}},{"_key":"6f92bc92429a","_type":"span","marks":[],"text":"What is a fund?"}],"markDefs":[],"style":"h2"},{"_key":"4f9ee0028862","_type":"block","children":[{"_key":"f102b7d00c72","_type":"span","marks":[],"text":"In a nutshell"}],"markDefs":[],"style":"h3"},{"_key":"e79c63c327eb","_type":"textboxWidget","text":[{"_key":"2121178f0ee6","_type":"block","children":[{"_key":"7d6a9f190010","_type":"span","marks":[],"text":"There are typically about 30-60 \"underlying investments\" in one fund"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d2a481641270","_type":"block","children":[{"_key":"22684174f3fa","_type":"span","marks":[],"text":"On average a single fund will cost about 0.75% in fees a year"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f3e088b52195","_type":"block","children":[{"_key":"d6ad20196bad","_type":"span","marks":[],"text":"Often a safer bet to invest than simply buying a few shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"216dcb5302ec","_type":"block","children":[{"_key":"9dd73649798a","_type":"span","marks":[],"text":"You can buy funds and put them in an ISA to keep your profits tax-free"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"97a80376b0f3","_type":"anchorMenuMobile","title":"s"},{"_key":"1653fdfc2af4","_type":"block","children":[{"_key":"2e2b2ab98724","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1b8d971c911d","_type":"block","children":[{"_key":"4507568d3a70","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. In other words, they're a great way to avoid making a clanger by choosing one duff share! Great for diversifying, investing overseas and for outsourcing the decision-making to a professional. "}],"markDefs":[],"style":"normal"},{"_key":"046672293a3e","_type":"block","children":[{"_key":"e15da747ad50","_type":"span","marks":[],"text":"Listen to our Founder & CEO Holly Mackay explain more about why funds are awesome in the helpful clip below."}],"markDefs":[],"style":"normal"},{"_key":"41b247f7f7f1","_type":"block","children":[{"_key":"1425f286ae8d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ee4659f373e2","_type":"mainVideo","url":"https://vimeo.com/829075140"},{"_key":"612f1e2f4f5c","_type":"block","children":[{"_key":"8b8077238e30","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8fde23f3fe04","_type":"block","children":[{"_key":"509c2688d6bd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3d8fbfc7b050","_type":"block","children":[{"_key":"32a1c0b03ecc","_type":"span","marks":[],"text":"A single fund will typically have about 30-60 different \"underlying investments\" in it. This spreads the risk around and hedges your bets, so rather than having to go and buy 30-60 individual shares all by yourself, you can just buy one fund and be done with it!"}],"markDefs":[],"style":"normal"},{"_key":"e8ce2e0fe91f","_type":"block","children":[{"_key":"942f0caaddf8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f9d2b7cefb40","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Most investors have between about 8 and 16 different Funds to get a good mix and spread their bets around!"},"text":[{"_key":"4e12795ee2ca","_type":"block","children":[{"_key":"40e2815c5d05","_type":"span","marks":["strong"],"text":"Top tip: Most investors have between about 8 and 16 different funds to get a good mix and spread their bets around!"}],"markDefs":[],"style":"normal"}]},{"_key":"faec06074b53","_type":"block","children":[{"_key":"3f1ea2ce7311","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"29e8456aa90b","_type":"block","children":[{"_key":"12710694212a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"16c468186b94","_type":"block","children":[{"_key":"8aa0e26dff77","_type":"span","marks":[],"text":"You can think of investing in funds like buying a mixed case of wine - you don't have to be a connoisseur and someone else picks the contents they think are good. Funds come in lots of different flavours - such as multi-asset funds or exchange-traded funds. More on these later."}],"markDefs":[],"style":"normal"},{"_key":"90feae1f7eb6","_type":"block","children":[{"_key":"1915aec3fabb","_type":"span","marks":[],"text":""},{"__inline":true,"_key":"5ccd7b870fec","_type":"mainAnchor","children":[{"_key":"ut1xgBnP3A4eT38f4GGbAL","text":""}],"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"},"value":{"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"}}},{"_key":"3fc8bd064d62","_type":"span","marks":[],"text":"Are funds right for me?"}],"markDefs":[],"style":"h2"},{"_key":"f4e25a5df60e","_type":"block","children":[{"_key":"fa0bcaef29cd","_type":"span","marks":[],"text":"On average, investors hold 49% of their investments in funds, making them one of the most popular investment vehicles out there. But are funds really the right option for you? "}],"markDefs":[],"style":"normal"},{"_key":"fed979756bbe","_type":"block","children":[{"_key":"64b6ad599651","_type":"span","marks":[],"text":"If you prefer the freedom and flexibility of choosing which companies to invest in, shares may be a better choice. However, funds can also be highly diversified, which means your investments might be spread across different regions, sectors and assets. This reduces the risk of any one event, such as a political crisis in a single region, having a significant impact on your investments."}],"markDefs":[],"style":"normal"},{"_key":"e1ad6cc3a02a","_type":"block","children":[{"_key":"a8b55972e4dd","_type":"span","marks":[],"text":"So really it comes down to your personal preference. Here's a round-up of some of the main pros and cons to help you decide if investing in funds is the right choice for you."}],"markDefs":[],"style":"normal"},{"_key":"434d193075a7","_type":"block","children":[{"_key":"0e7fe5da01de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4bc700b962a5","_type":"prosConsWidget","cons":["Don't want to pay a fee","Want to pick your own shares","Want to trade regularly"],"consTitle":"Bad if you ","pros":["Want a broad mix of different shares","Want to invest abroad too","Aren't a whizz trader "],"prosTitle":"Good if you"},{"_key":"48067afe70fe","_type":"block","children":[{"_key":"0361b14633a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cec017f1a38c","_type":"block","children":[{"_key":"172137ada71e","_type":"span","marks":[],"text":""},{"_key":"de53e982c4a9","_type":"mainAnchor","pageAnchor":{"_ref":"60941be5-1a4f-426e-b588-7699bee46271","_type":"reference"}},{"_key":"87cf346319c6","_type":"span","marks":[],"text":"Why invest in a fund?"}],"markDefs":[],"style":"h2"},{"_key":"93dc72ad81a4","_type":"block","children":[{"_key":"3338ff4b26c50","_type":"span","marks":[],"text":"A fund is simply the compilation album of the investing world! It’s a nice way to get someone at the sharp end of finance to pick and manage your investments from the bewildering array of bonds and shares on the market. Let’s give a really simple example. "}],"markDefs":[],"style":"normal"},{"_key":"a9403754dc28","_type":"block","children":[{"_key":"01c95b2b86ac","_type":"span","marks":[],"text":"If we ran the Boring Money UK Shares Fund (which we don’t), we might look at all the UK shares out there and say that HSBC, Shell, ITV and GlaxoSmithKline make the grade. And add them to our investment mix. But chuck out Barclays and Burberry and Sainsburys (all random examples by the way, not tips!). "}],"markDefs":[],"style":"normal"},{"_key":"7669a7ac791c","_type":"block","children":[{"_key":"d7e81010a760","_type":"span","marks":[],"text":"We’d end up with, say, 50 shares in our compilation album, which we bought for £1 each in our pretend world. So our fund would be worth £50. And we might sell 50 units to people for £1 each. "}],"markDefs":[],"style":"normal"},{"_key":"786bce77dbb8","_type":"block","children":[{"_key":"da65bc2f373e","_type":"span","marks":[],"text":"The benefit is that for a small investment of just £1, our investors would have a teeny fraction of an investment in 50 different British companies. And we would run and manage this pool of investments for you - so no need to get the calculator out and crunch any numbers!"}],"markDefs":[],"style":"normal"},{"_key":"985ff58d82e6","_type":"block","children":[{"_key":"2ad32b5454aa","_type":"span","marks":[],"text":"There are thousands of funds out there, all with different flavours, and they're among the best ways to get expert help on picking the right investments."}],"markDefs":[],"style":"normal"},{"_key":"362c2e7dfc09","_type":"block","children":[{"_key":"d766349dbf40","_type":"span","marks":[],"text":""},{"_key":"364cd3c1e445","_type":"mainAnchor","pageAnchor":{"_ref":"a5632083-6993-47e2-9bc1-07d0a86ad84c","_type":"reference"}},{"_key":"0a68034d99f40","_type":"span","marks":[],"text":"The three main fund structures "}],"markDefs":[],"style":"h2"},{"_key":"4b7b2b21499a","_type":"block","children":[{"_key":"5d8b72478bbb","_type":"span","marks":[],"text":""},{"_key":"e02338579d1e","_type":"mainAnchor","pageAnchor":{"_ref":"bcd041ed-8ed5-4fc7-8abd-21ee28def30c","_type":"reference"}},{"_key":"6c2a9ecc53f30","_type":"span","marks":[],"text":"1. Mutual fund – also known as an open-ended fund, OEIC or UCITS fund"}],"markDefs":[],"style":"h3"},{"_key":"3460d916f7b2","_type":"block","children":[{"_key":"0325a805ebd40","_type":"span","marks":[],"text":"A mutual fund combines money from multiple investors, which a professional manager invests according to the fund’s goals, such as growth or income, often focusing on specific sectors like European stocks or technology. Being “open-ended,” the fund can adjust its shares based on investor activity, with its value matching the combined value of its holdings. Investors can monitor performance daily through services like Morningstar, comparing it to similar funds or benchmarks like the FTSE All Share for UK funds."}],"markDefs":[],"style":"normal"},{"_key":"9f8832eee9c7","_type":"block","children":[{"_key":"b0249a4aa624","_type":"span","marks":[],"text":""},{"_key":"777c7f3bd35c","_type":"mainAnchor","pageAnchor":{"_ref":"b8467767-7e11-4c31-bea1-aa9f5262781c","_type":"reference"}},{"_key":"6722e89ace4a","_type":"span","marks":[],"text":"2. ETF – or exchange-traded fund"}],"markDefs":[],"style":"h3"},{"_key":"ac1f21c74e0a","_type":"block","children":[{"_key":"189a0849a0f50","_type":"span","marks":[],"text":"ETFs, or Exchange-Traded Funds, are investment funds that provide low-cost, diversified access to various markets, similar to mutual funds. Unlike mutual funds, ETFs trade on stock exchanges, with their prices fluctuating throughout the day based on supply and demand. ETFs often aim to track specific assets, like major stock indices (e.g., S&P 500), commodities, or even currencies. They can be structured using \"physical\" methods (owning a bit of each asset in the index) or \"synthetic\" methods (using derivatives to mimic asset performance). ETFs can also offer leveraged or inverse options to enhance potential gains or bet against an asset's price. They are generally affordable, easy to trade, and flexible for various investment strategies."}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"6add2d498f76","_type":"block","children":[{"_key":"14d23d4bf09a","_type":"span","marks":["strong"],"text":"Discover more about ETFs and how they work"}],"markDefs":[],"style":"normal"}],"_key":"090c0fe4bbd4","_type":"ctaWidget","reference":{"_ref":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"reference"},"text":"ETF HUB"},{"_key":"3734671b2a32","_type":"block","children":[{"_key":"ebc0f19e9b3d0","_type":"span","marks":[],"text":"3. Investment Trusts"}],"markDefs":[],"style":"h3"},{"_key":"47687a68ef20","_type":"block","children":[{"_key":"22745b29c849","_type":"span","marks":[],"text":"Investment trusts are publicly listed companies that pool investors' money to buy shares, bonds, or other assets like property. Managed by a board that oversees the fund manager, they operate as \"closed-ended\" funds, meaning they don’t need to buy or sell assets as investors come and go. This structure suits less liquid investments, and they can also save income from strong years to pay out in weaker ones, offering a steadier return. Investors can buy shares at market prices, sometimes below the actual asset value, and have many options for building a diverse portfolio. Read more on how mutual funds compare to ETFs and Investment Trusts "},{"_key":"3ac6a8b34f46","_type":"span","marks":["bd12d349ce04"],"text":"here"},{"_key":"f569af0635c5","_type":"span","marks":[],"text":". \n"}],"markDefs":[{"_key":"bd12d349ce04","_type":"internalLinkPick","reference":{"_ref":"508b9184-a3ee-4f2c-b9cd-5c61ac88dfaa","_type":"reference"}}],"style":"normal"},{"LeftSideText":[{"_key":"bcb044ecf5ab","_type":"block","children":[{"_key":"ba7542cf4442","_type":"span","marks":["strong"],"text":"Find out all you need to know about Investment Trusts in our hub"}],"markDefs":[],"style":"normal"}],"_key":"c677d8dce5ad","_type":"ctaWidget","reference":{"_ref":"c4a944ee-6d37-4a32-ad78-476434729026","_type":"reference"},"text":"READ MORE"},{"_key":"90c958e3a76f","_type":"block","children":[{"_key":"58ff5f53dc6e","_type":"span","marks":[],"text":""},{"_key":"d942deccb966","_type":"mainAnchor","pageAnchor":{"_ref":"614ab4cf-e295-402a-90a2-ddce00934029","_type":"reference"}},{"_key":"45fae644733a","_type":"span","marks":[],"text":"Bonds vs shares"}],"markDefs":[],"style":"h2"},{"_key":"e90ad037fc44","_type":"block","children":[{"_key":"69fbf9a8af22","_type":"span","marks":[],"text":"When it comes to investing with funds, you'll often see the \"portfolio\" - that is, what the fund is actually invested in - broken down into different assets. The two most common assets are bonds and shares, but what actually are they?"}],"markDefs":[],"style":"normal"},{"_key":"112a4d6cbc9f","_type":"block","children":[{"_key":"c6616cbb00f7","_type":"span","marks":[],"text":"What is a bond?"}],"markDefs":[],"style":"h3"},{"_key":"55297b26fffd","_type":"block","children":[{"_key":"f9ec30e1d7d7","_type":"span","marks":[],"text":"Owning a bond is kind of getting an IOU from a government or a company – you buy their bond and you’re lending them money. The dicier the prospect of getting your cash back, the more ‘interest’ they will pay you to compensate for the risk. So an Ecuadorian mining company bond would pay a gazillion times more than the relatively staid UK government, for example. It’s a riskier loan so they’ll compensate you more for taking this extra risk. "}],"markDefs":[],"style":"normal"},{"_key":"ad246f1d9a03","_type":"block","children":[{"_key":"d33daf52853b","_type":"span","marks":[],"text":"Bonds are influenced by interest rates, so they’re behaving a bit weirdly at the moment. If you lend the UK government money for 10 years, they’ll pay you about 4% (at the time of writing). And inflation is hovering around the 10% mark. So you’ll see why bonds are paying attractive rates at the moment - the UK economy is currently grappling with the risk of high inflation!"}],"markDefs":[],"style":"normal"},{"_key":"66a2cb7a79bb","_type":"block","children":[{"_key":"f67dc90952da","_type":"span","marks":[],"text":"What is a share?"}],"markDefs":[],"style":"h3"},{"_key":"42ec8b2bfea7","_type":"block","children":[{"_key":"d7677c521ef0","_type":"span","marks":[],"text":"Shares are also known as ‘equities’ or ‘stocks’. If you own shares, you buy little pieces of the world’s biggest companies. And tie your fortunes to theirs. It's these shares that make up the majority of most funds. "}],"markDefs":[],"style":"normal"},{"_key":"87391d64e98f","_type":"block","children":[{"_key":"50f803a42246","_type":"span","marks":[],"text":"As a rule of thumb, most ‘equity’ focused funds will have about 40-60 shares in them, although some fund managers have fewer, sticking to their convictions more about which shares are duds and which ones are winners. "}],"markDefs":[],"style":"normal"},{"_key":"230865d11ff5","_type":"block","children":[{"_key":"81251b61e60c","_type":"span","marks":[],"text":"Shares are also one of the few investments where you can get a decent income. Companies often pay out a share of their profits as dividends. The key is to look for an ‘equity income’ fund. Pick the right one and you could get an income of around 3-4% a year!"}],"markDefs":[],"style":"normal"},{"_key":"06e377758cad","_type":"block","children":[{"_key":"d4019195a987","_type":"span","marks":[],"text":"The balance between bonds and shares"}],"markDefs":[],"style":"h3"},{"_key":"46cf69523ea8","_type":"block","children":[{"_key":"d519404d9cb6","_type":"span","marks":[],"text":"Many suggest diversifying, which means a sort-of Combo Meal of bonds "},{"_key":"a61d5d5863e0","_type":"span","marks":["em"],"text":"and "},{"_key":"2e722c7e508b","_type":"span","marks":[],"text":"shares. Over the long-term, bonds are usually seen as safer and less choppy than shares, but many believe they will make you less over the long-run too. On the other hand, the stock market can potentially make you profit over the longer-term, but can come with significant short-term risk."}],"markDefs":[],"style":"normal"},{"_key":"c973c0042a75","_type":"block","children":[{"_key":"c0025ecc2c48","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c1f67febb327","_type":"prosConsWidget","pros":["You're nearing retirement age","You're not keen on stock market risk"],"prosTitle":"BONDS are better for you if"},{"_key":"e27629a359a2","_type":"block","children":[{"_key":"e48f0db1ddad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a30ea1e3729e","_type":"prosConsWidget","pros":["You can tolerate the concept of stock market risk","You've got lots of time before you need to access your cash"],"prosTitle":"SHARES are better for you if"},{"_key":"03b6c39b6bf2","_type":"block","children":[{"_key":"1ee6f1df4158","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ed118f277297","_type":"block","children":[{"_key":"e3ed41cc210b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c4556aebdc3","_type":"block","children":[{"_key":"59b8e9cbba60","_type":"span","marks":[],"text":"As a general rule of thumb, if you’re a spring chicken and investing for ages in the future, you should probably look at "},{"_key":"0f04bd6e7f43","_type":"span","marks":["em"],"text":"mostly "},{"_key":"0a524dc1e267","_type":"span","marks":[],"text":"shares. If you’re getting on and likely to need your money soon, people typically prefer bonds because they’re less likely to crash as dramatically as shares, leaving you high and dry if you need to cash in your investments. "}],"markDefs":[],"style":"normal"},{"_key":"c44bbef6d561","_type":"block","children":[{"_key":"e1b0274abca3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f871776e39d7","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "},"text":[{"_key":"dc826f13da73","_type":"block","children":[{"_key":"92f0eb6df824","_type":"span","marks":["strong"],"text":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "}],"markDefs":[],"style":"normal"}]},{"_key":"f7d5fb36fe0f","_type":"block","children":[{"_key":"db6952c70b24","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19431081595a","_type":"block","children":[{"_key":"6e263f6e0c3f","_type":"span","marks":[],"text":""},{"_key":"394165043e4a","_type":"mainAnchor","pageAnchor":{"_ref":"f0e25e55-88ef-4bd3-96fb-2ea766606d57","_type":"reference"}},{"_key":"d81d41f1e8ee1","_type":"span","marks":[],"text":"Active vs passive"}],"markDefs":[],"style":"h2"},{"_key":"97fd1b6cacb5","_type":"block","children":[{"_key":"b1149c8e019a","_type":"span","marks":[],"text":"Another couple of phrases you'll often see when investing in funds is 'active' and 'passive', but as the world of finance is renowned for being full of jargon, no one ever seems to explain what these are! Here's what they actually mean and why they matter when deciding on the right fund for you."}],"markDefs":[],"style":"normal"},{"_key":"4f4328ace20e","_type":"block","children":[{"_key":"267b07472f39","_type":"span","marks":[],"text":"What is an active fund?"}],"markDefs":[],"style":"h3"},{"_key":"965f3e1b9c85","_type":"block","children":[{"_key":"7e7c85ce1d910","_type":"span","marks":[],"text":"Most funds in the market are what we call ‘active’. An active fund manager, by definition, thinks he or she is smarter than the average investor. A clever clogs. They think they can spot a bargain. Spot the dog before others. Identify the region that is about to go belly-up. So they pick and choose. If you buy an active fund which invests in shares, you'll usually pay a fee to the fund manager of about 75p-95p for every £100 you entrust to them. "}],"markDefs":[],"style":"normal"},{"_key":"dd074314f1cf","_type":"block","children":[{"_key":"e2405d675768","_type":"span","marks":[],"text":"What is a passive fund?"}],"markDefs":[],"style":"h3"},{"_key":"b9d2cd328e0c","_type":"block","children":[{"_key":"9da255300335","_type":"span","marks":[],"text":"Passive funds, on the other hand, are devoid of ego and opinion. They're the well-behaved end of the fund market. No one makes a call on whether Share A is better than Share B. They simply follow what we call an index - or a list of shares or bonds in any given market. They buy them in proportion to their size and no judgement calls are made. If you buy a passive fund which invests in shares, you'll usually pay a fee to the fund manager of about 8-12p for every £100 you entrust to them. It’s a lot cheaper because it’s run by a computer, rather than an expensive human. "}],"markDefs":[],"style":"normal"},{"_key":"365e8264db90","_type":"block","children":[{"_key":"faa5a312feb3","_type":"span","marks":[],"text":"How to decide between active vs passive funds"}],"markDefs":[],"style":"h3"},{"_key":"b8221aa671cb","_type":"block","children":[{"_key":"4799dbdc92b40","_type":"span","marks":[],"text":"There are pros and cons to each approach. Passive funds will tend to be cheaper and have performed well over much of the past decade as a result of strong performance from the technology giants (which form a large share of most capitalisation-weighted indices). However, they can have certain biases – the MSCI World has a 70%+ weighting to the US[2],  for example. Equally, bond indices can have higher weights in companies that have issued the most bonds – i.e. the most indebted. This can increase risk."}],"markDefs":[],"style":"normal"},{"_key":"611ac6f8c648","_type":"block","children":[{"_key":"d022771f72c90","_type":"span","marks":[],"text":"With active funds, there tends to be extremes. Some fund managers will be very successful and deliver better returns than the wider market, while others will find their analysis doesn’t pay off. Investors need to be willing to take a risk on the manager’s skill."}],"markDefs":[],"style":"normal"},{"_key":"c39c65e3ba8a","_type":"block","children":[{"_key":"3c62d7c5ecdd","_type":"span","marks":[],"text":"The jury is out on which is best, but passive funds will inherently return the average of any market. Some active funds will go further and smash it – but others will underperform and charge you for the privilege! So it depends on your risk appetite, among other things. Happy to sit back and copy what the markets do? Passive is for you. Want to leave it to the experts to crunch the numbers and try to outperform? Then try active.\n"}],"markDefs":[],"style":"normal"},{"_key":"ad85bfad7fcf","_type":"block","children":[{"_key":"3d022ec4e243","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"769a3bdcb210","_type":"emailSignupWidget","brazeSubscriptionGroupId":"80bb057b-016f-4c60-8fed-bc2199e56dc7","brazeSubscriptionRef":{"_ref":"75cfa314-bcb6-4835-9c3d-28febc21b8d6","_type":"reference"},"image":{"_type":"mainImage","alt":"Sign up here!"},"paragraphText":"Get the best-performing funds, market commentary and jargon free insight delivered straight to your inbox every month. Join our Fund Newsletter.\n","title":"Sign up here!"},{"_key":"9082b2e04f18","_type":"block","children":[{"_key":"eca87e721854","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ed19b6fc9ee","_type":"block","children":[{"_key":"0ee0c876052d","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"1fdae174a2eb","_type":"block","children":[{"_key":"4e62aed3fa81","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3aafc66da691","_type":"block","children":[{"_key":"7eacb7f07336","_type":"span","marks":[],"text":"[1] "},{"_key":"d5da36f05625","_type":"span","marks":["873e1e148fbf"],"text":"PwC, March 2024"}],"markDefs":[{"_key":"873e1e148fbf","_type":"internalLinkPick","blank":true,"reference":{"_ref":"145cfde5-0dfc-42d5-920b-0b191331e84e","_type":"reference"}}],"style":"normal"},{"_key":"303192e61fb6","_type":"block","children":[{"_key":"1928cb41e922","_type":"span","marks":[],"text":"[2] "},{"_key":"341d43b08b6b","_type":"span","marks":["a4f8efc4fe28"],"text":"MSCI, November 2024"}],"markDefs":[{"_key":"a4f8efc4fe28","_type":"internalLinkPick","blank":true,"reference":{"_ref":"b300e7f8-9ee8-475d-85f0-bcccebda9deb","_type":"reference"}}],"style":"normal"},{"_key":"49a0d84ddbed","_type":"block","children":[{"_key":"cae41be45c6b","_type":"span","marks":[],"text":"[3] "},{"_key":"653072da076b","_type":"span","marks":["d77d4f4a9a3d"],"text":"Trustnet, January 2023"}],"markDefs":[{"_key":"d77d4f4a9a3d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"39231df5-0e90-4b9c-abc7-f980c11317c9","_type":"reference"}}],"style":"normal"}],"categories":[{"_key":"1a989c0fd8ee","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"},{"_key":"761051b73014","_ref":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","_type":"reference"},{"_key":"89ab44c91dc9","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"}],"excerpt":[{"_key":"0c5edb6fe2c3","_type":"block","children":[{"_key":"e3cfba5e3d06","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. 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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! 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After all, there are tens of thousands of investment options out there, offered by a growing number of investment platforms. I think ready-made portfolios can be a good starting point. These are off-the-peg portfolios and offered by most investment platforms. They are ideal for people who don't want to spend their time handpicking funds and learning the ins and outs. They don't require you to make any decisions about what to invest in. The only questions you'll need to answer are about how much risk you are willing to take on."}],"markDefs":[],"style":"normal"}]},{"_key":"d1c8ce807752","_type":"block","children":[{"_key":"529ab8a31dcc","_type":"span","marks":[],"text":""},{"_key":"db928b2e64b8","_type":"mainAnchor","pageAnchor":{"_ref":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"reference"}},{"_key":"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. 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"}],"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. 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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. 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For those people investing with shorter time horizons - five years or so - or who don't have an appetite for alarming ups and downs, the low risk portfolios could be a good option. In theory, they should offer a smoother investment ride; they will make less over the long-term, but face less short-term volatility. Less than five years though and cash may be your best bet."}],"markDefs":[],"style":"normal"}]},{"_key":"82fedf2607f2","_type":"block","children":[{"_key":"8fd35a343b0f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2c835a525aea","_type":"block","children":[{"_key":"1ef87a462c1a0","_type":"span","marks":[],"text":"It’s also important to remember the very real risk of underestimating the impact of "},{"_key":"978d3055f439","_type":"span","marks":["1a8ada013d70"],"text":"inflation"},{"_key":"6d0cbd2e7e61","_type":"span","marks":[],"text":" on cash. Though it’s understandable to feel unsure and even nervous about investing your money, you could be locking yourself into losses if you leave your money in a current account or low interest savings account. Inflation will chew away at your pot over the longer-term and you could end up with savings that are worth considerably less than they were when you started. For example, if inflation is at 5% and you’re only earning 3% interest on your current account, then you’re actually losing 2% in real terms."}],"markDefs":[{"_key":"1a8ada013d70","_type":"glossaryPick","reference":{"_ref":"9d62b1af-7674-4f39-ba20-b0154d565241","_type":"reference"}}],"style":"normal"},{"_key":"7225e60d248d","_type":"block","children":[{"_key":"6b1ed8141a9d0","_type":"span","marks":[],"text":"For those aiming to save for five years or less, this is less of a concern, but the cumulative effect of inflation over periods longer than this could erode the value of your savings. So if you’re going to be investing for five years or more, for most people it’s generally worth considering investing to protect yourself against the corroding power of inflation."}],"markDefs":[],"style":"normal"},{"_key":"5d1fd8f05194","_type":"block","children":[{"_key":"07a69a2d5c5a0","_type":"span","marks":[],"text":"The table below is a very rough guide of how your investing timeframes can inform the level of risk that’s best for you – your ‘risk tolerance’. Of course, this is ultimately a personal decision and there are no guarantees when it comes to investing; your money can go up in value as well as down, no matter how ‘risky’ your investments are advertised to be. 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You pick your risk level, and the experts handle the rest - from choosing the investments to managing them over time. Great for beginners, time-poor professionals, or anyone who wants to invest without becoming a part-time fund manager!"}],"markDefs":[],"style":"normal"},{"_key":"2837ea39eec8","_type":"block","children":[{"_key":"cb14a1d4ec74","_type":"span","marks":[],"text":"💰 Expert-managed, but can be pricey"}],"markDefs":[],"style":"h3"},{"_key":"16d2f465f1dc","_type":"block","children":[{"_key":"bf2e454055a8","_type":"span","marks":[],"text":"These portfolios typically charge all-in fees of 0.5% to 1% a year, which covers the cost of managing your investments. Robo advisers tend to sit at the higher end of that range, but you’re paying for automation, ongoing rebalancing, and a plug-and-play experience. This might be worth it to you if you don’t want the admin, but not ideal if you're laser-focused on keeping your costs low."}],"markDefs":[],"style":"normal"},{"_key":"d2ec726a2de9","_type":"block","children":[{"_key":"c11f59c45cbb","_type":"span","marks":[],"text":"📊 Risk levels to suit your goals and timeframes"}],"markDefs":[],"style":"h3"},{"_key":"b16a7d8b9603","_type":"block","children":[{"_key":"3912219daa3f","_type":"span","marks":[],"text":"You can choose from portfolios labelled things like 'Cautious', 'Balanced', or 'Adventurous, depending on how comfortable you are with market ups and downs. 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This threshold will increase to 57 years old from 2028 and there's a good chance it will continue to rise to reflect an ageing population and similar changes to the State Pension age."}],"markDefs":[],"style":"normal"},{"_key":"7d59da91fec5","_type":"block","children":[{"_key":"30984b039238","_type":"span","marks":[],"text":"You can take up to 25% as a tax-free lump sum"}],"markDefs":[],"style":"h4"},{"_key":"c68a6e98d419","_type":"block","children":[{"_key":"1adeeec6638c","_type":"span","marks":[],"text":"As with most pension schemes, from the age of 55 onwards you can withdraw 25% of the value of your SIPP - up to a maximum of £268,275 - tax-free. 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SIPPs can accommodate either but it's crucial to check whether your chosen provider offers the route you want to take, as some are limited to only drawdown schemes or only annuities. 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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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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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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. 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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":"9ada0129d9d9","_type":"block","children":[{"_key":"102d48141425","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b76c279925f3","_type":"block","children":[{"_key":"daa564b0431f","_type":"span","marks":[],"text":""},{"_key":"76be62699b3e","_type":"mainAnchor","pageAnchor":{"_ref":"abce80e4-d3d9-4aac-abc1-510b2c118415","_type":"reference"}},{"_key":"f30cc6342f8e","_type":"span","marks":[],"text":"Stocks & Shares ISA: Short-term vs long-term investing "}],"markDefs":[],"style":"h2"},{"_key":"d82a8fc2fd0c","_type":"block","children":[{"_key":"8c136c2f2755","_type":"span","marks":[],"text":"It can be helpful to think about investing in the stock market a bit like the housing market. Imagine you hear on the news that the property market is down 3% in your area. Do you freak out, run for the hills and stockpile baked beans? No – only if you don't have a choice and "},{"_key":"aad09a6b9855","_type":"span","marks":["em"],"text":"have "},{"_key":"acc88a1b29a6","_type":"span","marks":[],"text":"to sell that year. Otherwise, you sit tight and wait for the market to recover. "}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"29e5815ac3a7","_type":"block","children":[{"_key":"706f02f0f1f2","_type":"span","marks":[],"text":"FREE TOOL: Not sure which ISA or pension is right for you?"}],"markDefs":[],"style":"h4"},{"_key":"413101212e38","_type":"block","children":[{"_key":"689ff7bc39ee","_type":"span","marks":[],"text":"Answer 6 questions. Get 3 tailored recommendations. Independent, unbiased, free."}],"markDefs":[],"style":"normal"}],"_key":"8c91ab282a38","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"reference":{"_ref":"249771c5-00b0-4103-9775-fe8bb8339397","_type":"reference"},"text":"FIND MY ISA"},{"_key":"50f10f0f6a8a","_type":"block","children":[{"_key":"0876d3b43bc1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c3ec473a32f","_type":"block","children":[{"_key":"9342c0a6ccfa","_type":"span","marks":[],"text":"Shares and investing in the stock market are kind of the same. Unless you need to sell at that very point in time, you can sit tight and ride out the bad times, only selling when the markets are more in your favour. "}],"markDefs":[],"style":"normal"},{"_key":"b02b151be7de","_type":"block","children":[{"_key":"738702b1f9bc","_type":"span","marks":[],"text":"This is why timeframes matter so much. If you know you'll need to cash in within 12 months, stick it in the stock market anyway, and then some unfortunate force sends markets tumbling... well, you’re stuffed and your back’s against the wall. You'll have to withdraw your cash during a dip. But if you can park your money for longer - say, 5 years or more - it’s much less likely you'll have to sell when things are rubbish."}],"markDefs":[],"style":"normal"},{"_key":"4249037765fa","_type":"block","children":[{"_key":"53725bd4af3b0","_type":"span","marks":[],"text":"As a very loose rule of thumb, expecting to make about 5% a year from a diversified portfolio (that is, essentially, a mixed bag) of investments should be achievable. Some years it could be 20%, some years it could be minus 20%. An important rule for investing is to avoid needing to be a forced seller in bad years, so the longer you give yourself to invest, the greater your ability to ride out any rough patches and cash in on your own terms - hopefully once you've made a decent profit!"}],"markDefs":[],"style":"normal"},{"_key":"b498c1bc502f","_type":"textboxWidget","image":{"_type":"mainImage","asset":{"_ref":"image-5ed7e4bf99e8196fa217894330eaef10e1131ccc-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","text":[{"_key":"f41512cd32a0","_type":"block","children":[{"_key":"2c6df9dcfbed","_type":"span","marks":[],"text":"Ready to open a Stocks & Shares ISA? "},{"_key":"53224b100cf8","_type":"span","marks":["8adc85d93860"],"text":"IG"},{"_key":"bcc74a0e71c1","_type":"span","marks":[],"text":" is one of the most trusted names in investing — FTSE 100-listed with over 50 years of market experience and 2 million+ clients worldwide."}],"markDefs":[{"_key":"8adc85d93860","_type":"internalLinkPick","blank":true,"reference":{"_ref":"3b87ca08-ad76-4bb8-8dfc-9af657bdf65b","_type":"reference"}}],"style":"normal"},{"_key":"d1673ebd6b5a","_type":"block","children":[{"_key":"5ad550463c3e","_type":"span","marks":[],"text":"With an "},{"_key":"c9fcb23cc659","_type":"span","marks":["0cd2f6ebfdf1"],"text":"IG Stocks & Shares ISA"},{"_key":"61d683b50b16","_type":"span","marks":[],"text":", you get access to 17,000+ global markets — one of the largest offerings available — so whether you're just starting out or building a diversified portfolio, you'll never be short of options."}],"markDefs":[{"_key":"0cd2f6ebfdf1","_type":"internalLinkPick","blank":true,"reference":{"_ref":"3b87ca08-ad76-4bb8-8dfc-9af657bdf65b","_type":"reference"}}],"style":"normal"},{"_key":"2751a85de2bd","_type":"block","children":[{"_key":"e7cabc737e77","_type":"span","marks":[],"text":"New to IG? Get "},{"_key":"331d19f4e6ea","_type":"span","marks":["strong"],"text":"5% AER"},{"_key":"190246e9e4ad","_type":"span","marks":[],"text":" on your uninvested ISA cash while you decide where to invest (T&Cs apply)."}],"markDefs":[],"style":"normal"},{"_key":"b14f7c38c9d3","_type":"block","children":[{"_key":"2f5d0506d7c6","_type":"span","marks":[],"text":"When you're ready to dive deeper, IG has you covered with "},{"_key":"aef5879f8e76","_type":"span","marks":["strong"],"text":"industry-leading education"},{"_key":"78189b3c8827","_type":"span","marks":[],"text":" through IG Academy, plus"},{"_key":"4aa70fb0f3a0","_type":"span","marks":["strong"],"text":" advanced charting tools"},{"_key":"9284372ac7ba","_type":"span","marks":[],"text":" via ProRealTime and TradingView for when you want to take a more hands-on approach."}],"markDefs":[],"style":"normal"},{"_key":"212b1976d129","_type":"block","children":[{"_key":"65dd11b69550","_type":"span","marks":["299a017cc91f"],"text":"Invest in shares, ETFs, and funds"},{"_key":"e1bc555c21c0","_type":"span","marks":[],"text":" — all tax-free within your annual £20,000 ISA allowance."}],"markDefs":[{"_key":"299a017cc91f","_type":"internalLinkPick","blank":true,"reference":{"_ref":"3b87ca08-ad76-4bb8-8dfc-9af657bdf65b","_type":"reference"}}],"style":"normal"},{"_key":"f671aeabc348","_type":"block","children":[{"_key":"151a6be4871d","_type":"span","marks":["strong"],"text":"Capital at risk. Tax treatment depends on individual circumstances and may be subject to change."}],"markDefs":[],"style":"normal"}],"title":"Sponsored Message by IG"},{"_key":"31edda0e601c","_type":"block","children":[{"_key":"acd4ebc366e1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"d01a141e8c03","_type":"block","children":[{"_key":"e682afe0f5d1","_type":"span","marks":["strong"],"text":"OPEN AN IG ISA"}],"markDefs":[],"style":"normal"},{"_key":"41bce9ed5340","_type":"block","children":[{"_key":"81b442eaa20a","_type":"span","marks":["em"],"text":""}],"markDefs":[],"style":"normal"}],"_key":"301e2d4ad05a","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"partner":true,"reference":{"_ref":"3b87ca08-ad76-4bb8-8dfc-9af657bdf65b","_type":"reference"},"text":"GO TO IG"},{"_key":"f1b8c015a37e","_type":"block","children":[{"_key":"3969728b09df","_type":"span","marks":[],"text":""},{"_key":"41e2b96a1a81","_type":"mainAnchor","pageAnchor":{"_ref":"de11b854-1405-452f-b312-e1ed6bbc24a8","_type":"reference"}},{"_key":"465560c9831b","_type":"span","marks":[],"text":"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. Beyond that, dividends are taxed at 8.75% (basic rate taxpayer), 33.75% (higher rate taxpayer) and 39.35% (additional rate taxpayer)."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7c82650eb34b","_type":"block","children":[{"_key":"7b5527c9788d","_type":"span","marks":[],"text":""},{"_key":"3e0d664bece7","_type":"mainAnchor","pageAnchor":{"_ref":"d126b370-d02a-448b-94fa-bfd7b22886df","_type":"reference"}},{"_key":"6230b3d15fbd","_type":"span","marks":[],"text":"How do I start investing with a Stocks & Shares ISA?"}],"markDefs":[],"style":"h2"},{"_key":"99ecd88f0312","_type":"block","children":[{"_key":"5469e42a949f0","_type":"span","marks":[],"text":"If you haven't invested before, it can be daunting to figure out which products to buy and where to purchase them, but the good news is that the whole process is simpler than ever before."}],"markDefs":[],"style":"normal"},{"_key":"6e8fb0875c73","_type":"block","children":[{"_key":"3946793871d20","_type":"span","marks":[],"text":"If you're a beginner investor and you're not quite sure who to trust, every year we recognise the companies we think offer the very best Stocks & Shares ISAs with our coveted Best Buy ISA award. Read about this year's Best Buy ISA winners and see our full reviews of each one by clicking the link below!"}],"markDefs":[],"style":"normal"},{"_key":"2b71fd5a9b70","_type":"block","children":[{"_key":"0a297569984d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"d626d7518d94","_type":"block","children":[{"_key":"dd6966a51be1","_type":"span","marks":["strong"],"text":"Discover the winners of the 2025 Best Buy ISA award"}],"markDefs":[],"style":"normal"}],"_key":"cc4b6cd593b5","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"2ad629d9-20cb-4c7a-baa9-ff52494a3b0d","_type":"reference"},"text":"SHOW ME"},{"_key":"00ca20d0af1f","_type":"block","children":[{"_key":"54de18987dd8","_type":"span","marks":[],"text":""},{"_key":"effb43bafbd0","_type":"mainAnchor","pageAnchor":{"_ref":"aa40100c-c669-48bf-8669-ad3932a450c9","_type":"reference"}},{"_key":"57df1cfd867c","_type":"span","marks":[],"text":"Find the right Stocks & Shares ISA provider"}],"markDefs":[],"style":"h2"},{"_key":"b48451ceecc6","_type":"block","children":[{"_key":"e69c226fdf53","_type":"span","marks":[],"text":"Alternatively, if you would like to see more options available to you, head over to our ISA comparison tables. Enter the amount you want to invest and select filters that suit your requirements, such as whether they offer ready-made solutions or have ESG options. 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It's best to check this "},{"_key":"cb1a3b0ee27f","_type":"span","marks":["em"],"text":"before"},{"_key":"04c8c80479d8","_type":"span","marks":[],"text":" you start saving into a SIPP so you don't end up having to make last-minute transfers in the run-up to retirement!"}],"markDefs":[{"_key":"0cb4416ebeef","_type":"internalLinkPick","reference":{"_ref":"30c293dd-a614-4253-a4c2-ed4b64cdd9ac","_type":"reference"}},{"_key":"58fcf70be682","_type":"internalLinkPick","reference":{"_ref":"18cc7a4b-b423-47ee-8759-5fa886b087d6","_type":"reference"}}],"style":"normal"},{"_key":"abdbbd3e1f3a","_type":"block","children":[{"_key":"6805c4c7eb35","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"4874100ec44d","_type":"block","children":[{"_key":"395616f61b23","_type":"span","marks":["strong"],"text":"Drawdown vs annuity: Which is best for you?"}],"markDefs":[],"style":"normal"}],"_key":"bfb143359578","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"79fcc0a0-e069-4ec5-b1ea-8a6a48d6fb5e","_type":"reference"},"text":"TELL ME"},{"_key":"954b38f4eb68","_type":"block","children":[{"_key":"df44ecfabb54","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7a3f253ff758","_type":"block","children":[{"_key":"1d01a10a74df","_type":"span","marks":[],"text":""},{"_key":"1efd08dfc6ff","_type":"mainAnchor","pageAnchor":{"_ref":"4fb202b7-6246-4faa-b97d-bee6f208d1d1","_type":"reference"}},{"_key":"2feb83c206cb","_type":"span","marks":[],"text":"Is a personal pension right for me?"}],"markDefs":[],"style":"h2"},{"_key":"2f12fd40cc34","_type":"block","children":[{"_key":"f3cd487d2612","_type":"span","marks":[],"text":"Is it a good idea for you to open a SIPP? While the idea of taking retirement savings into your own hands sounds appealing, it's not always the best course of action for everyone. Here's a run-down of the key pros and cons of SIPPs."}],"markDefs":[],"style":"normal"},{"_key":"0c037522a1a8","_type":"prosConsWidget","cons":["Already have a competitive workplace pension scheme","Will need the money before you're 55","Have expensive debt to pay off first"],"consTitle":"Bad if you","pros":["Can set aside money until you're 55","Are self-employed and want to save for retirement","Want more control over your retirement savings"],"prosTitle":"Good if you "},{"_key":"0d6ddf57ea97","_type":"block","children":[{"_key":"70d644c31f280","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"69e33702ca96","_type":"block","children":[{"_key":"4b6acec9bdeb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"61804af9c650","_type":"block","children":[{"_key":"1c2d94e2f4580","_type":"span","marks":["strong"],"text":"Discover three reasons why you should open a SIPP today"}],"markDefs":[],"style":"normal"}],"_key":"8e867e8ac8ca","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"fdb02161-4452-428f-b5f2-e2feca21222f","_type":"reference"},"text":"FIND OUT"},{"_key":"7780f35dead2","_type":"block","children":[{"_key":"fe7b2db8cfa5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4e0fa86f3d2d","_type":"block","children":[{"_key":"f206819400f2","_type":"span","marks":[],"text":""},{"_key":"a5170953afaf","_type":"mainAnchor","pageAnchor":{"_ref":"d5017282-7bc8-4433-bcd8-1bc15bc86641","_type":"reference"}},{"_key":"f7b926c31def2","_type":"span","marks":[],"text":"How much can I pay into a personal pension?"}],"markDefs":[],"style":"h2"},{"_key":"785d2edd23e3","_type":"block","children":[{"_key":"6a1c63cdf64e","_type":"span","marks":[],"text":"The maximum amount most people can pay into their pensions each tax year is typically £60,000 or 100% of their salary - whichever is lowest. This includes the total of:"}],"markDefs":[],"style":"normal"},{"_key":"584d233d3bda","_type":"block","children":[{"_key":"4ed0c1dcfffe0","_type":"span","marks":[],"text":"your own contributions (plus any tax relief you receive) and;"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"cce9b4ba775a","_type":"block","children":[{"_key":"2f147cf74a470","_type":"span","marks":[],"text":"any employer contributions"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"045b27aa3d99","_type":"block","children":[{"_key":"521a86c97e760","_type":"span","marks":[],"text":"If you are unemployed or earn under £3,600 a year, then the most you can pay into your pension is £2,880 (this increases to £3,600 with the tax relief applied)."}],"markDefs":[],"style":"normal"},{"_key":"778ade774f2b","_type":"block","children":[{"_key":"e2b7ef4446f3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"fea49faf329a","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Pension carry forward"},"text":[{"_key":"c087fce67e17","_type":"block","children":[{"_key":"ed037c44af61","_type":"span","marks":[],"text":"Pension carry forward"}],"markDefs":[],"style":"h4"},{"_key":"e8a9c7db641c","_type":"block","children":[{"_key":"89c9d37aa8cd","_type":"span","marks":[],"text":"If you've used up all of your annual allowance, you may be able to carry over any of your allowance you didn't use up from the previous three tax years through a process called \"pension carry forward\". You can ask your pension providers for details of how much you saved into each scheme if they’ve not already sent them to you, or "},{"_key":"82e4d00bb643","_type":"span","marks":["4f3274463f7a"],"text":"use the GOV.UK's annual allowance calculator"},{"_key":"b6ddd401a910","_type":"span","marks":[],"text":" to check if your pension savings are more than your annual allowance and if you have any unused allowance to carry forward."}],"markDefs":[{"_key":"4f3274463f7a","_type":"internalLinkPick","blank":true,"reference":{"_ref":"76e458a7-bd09-4c22-a673-587b0dcfe6eb","_type":"reference"}}],"style":"normal"},{"_key":"3a3641d24309","_type":"block","children":[{"_key":"b25777b185c10","_type":"span","marks":[],"text":"‏‏‎ ‎"}],"markDefs":[],"style":"normal"}]},{"_key":"d30bc8baf9c8","_type":"block","children":[{"_key":"7a6a42d7710b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e22e35f719c7","_type":"block","children":[{"_key":"193a193ee48d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"da83ea6289a1","_type":"block","children":[{"_key":"bd34a1d07939","_type":"span","marks":[],"text":"The rules for the annual allowance are slightly different for higher earners due to something called the \"tapered annual allowance\" - more on this next."}],"markDefs":[],"style":"normal"},{"_key":"a0507441c59e","_type":"block","children":[{"_key":"10a5090d21ca","_type":"span","marks":[],"text":"Rules for the highest earners"}],"markDefs":[],"style":"h4"},{"_key":"a119508cded0","_type":"block","children":[{"_key":"23f295966bdc0","_type":"span","marks":[],"text":"If you’re a higher earner, your annual allowance may be less than this thanks to something called the 'tapered annual allowance', which can reduce your allowance to as low as just £10,000 depending on how much you earn. "}],"markDefs":[],"style":"normal"},{"_key":"df831d7c3ec1","_type":"block","children":[{"_key":"ad27e48c5fea","_type":"span","marks":[],"text":"The tapered annual allowance affects individuals whose:"}],"markDefs":[],"style":"normal"},{"_key":"2bf193ea29e0","_type":"block","children":[{"_key":"32148a15cad70","_type":"span","marks":[],"text":"‘threshold income’ is above £200,000 "},{"_key":"6e33ff443e3e","_type":"span","marks":["em"],"text":"and;"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4ad29e2a2bb7","_type":"block","children":[{"_key":"3720e998380b","_type":"span","marks":[],"text":"‘adjusted income’ is above £260,000"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"96b3ce2b1d5a","_type":"block","children":[{"_key":"dc38b0facec7","_type":"span","marks":[],"text":"Threshold income does not include your pension contributions, while adjusted income does."}],"markDefs":[],"style":"normal"},{"_key":"ae65a0c4eaa6","_type":"block","children":[{"_key":"419a0f39373b0","_type":"span","marks":[],"text":"Those who meet the criteria above will see their annual allowance gradually reduce by £1 for every £2 of ‘adjusted income’ above £260,000. For example, if your adjusted income was £270,000, your annual allowance would be reduced to £55,000. This is because, as you're £10,000 over the adjusted income threshold of £260,000, your annual allowance is reduced by £5,000 - taking it down to £55,000."}],"markDefs":[],"style":"normal"},{"_key":"834676a2335b","_type":"block","children":[{"_key":"7832ee5ff26b","_type":"span","marks":[],"text":"The tapering stops at £360,000, preserving a minimum of at least £10,000 for even the very highest earners."}],"markDefs":[],"style":"normal"},{"_key":"daaddabeb093","_type":"block","children":[{"_key":"35a1465ca04a0","_type":"span","marks":[],"text":"Until 5 April 2024, there had also previously been a lifetime pension allowance which was capped at just over £1 million. This has since been abolished to allow individuals to save more into their pension - as long as you stick to your relevant annual allowance for each tax year."}],"markDefs":[],"style":"normal"},{"_key":"159d4e71bb7e","_type":"block","children":[{"_key":"b0807c766c61","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1b31853e858e","_type":"block","children":[{"_key":"13ed06d5fd92","_type":"span","marks":[],"text":""},{"_key":"664c356d126c","_type":"mainAnchor","pageAnchor":{"_ref":"e87611f7-5f1e-4039-8a16-99b71d40b0de","_type":"reference"}},{"_key":"0d7ece435554","_type":"span","marks":[],"text":"What can I put in my personal pension?"}],"markDefs":[],"style":"h2"},{"_key":"e959c16f4109","_type":"block","children":[{"_key":"1dd576ced2530","_type":"span","marks":[],"text":"One of the main benefits of a SIPP is the amount of control it gives you over what to invest your retirement savings in. You can choose what you like! 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Different providers will have different combinations and ranges of investments to choose from. "}],"markDefs":[],"style":"normal"},{"_key":"6eb377a17d43","_type":"block","children":[{"_key":"136113527399","_type":"span","marks":[],"text":"For example, the exceedingly popular provider "},{"_key":"05d5d4a6eef3","_type":"span","marks":["237ddcfe1985"],"text":"Vanguard"},{"_key":"7c0fcf2bc4dc","_type":"span","marks":[],"text":" offers around 85 in-house funds and ETFs (but no access to individual shares), whereas "},{"_key":"60aa7db1920f","_type":"span","marks":["6c6bd0271ce8"],"text":"Fidelity"},{"_key":"85309ded4eef","_type":"span","marks":[],"text":" has a much wider range stretching into the thousands with a choice of funds, ETFs, investment trusts and shares. Both were winners of our coveted "},{"_key":"1bb0b0f3b43b","_type":"span","marks":["d8290dd4ae22"],"text":"Best Buy Pension award"},{"_key":"f91333e68322","_type":"span","marks":[],"text":" in 2025."}],"markDefs":[{"_key":"237ddcfe1985","_type":"internalLinkPick","reference":{"_ref":"040a1837-41f8-40f7-aa2a-67f13dff3e28","_type":"reference"}},{"_key":"6c6bd0271ce8","_type":"internalLinkPick","reference":{"_ref":"6b9c10a5-2223-4a20-98fb-55323cda4a35","_type":"reference"}},{"_key":"d8290dd4ae22","_type":"internalLinkPick","reference":{"_ref":"41b7c255-2a4e-415c-bc4e-74bc27a97f1e","_type":"reference"}}],"style":"normal"},{"_key":"a6a13aaf1e52","_type":"block","children":[{"_key":"d0828c5018d8","_type":"span","marks":[],"text":"Confident investors"}],"markDefs":[],"style":"h4"},{"_key":"66e3d4ebb58f","_type":"block","children":[{"_key":"ef5f60ad7e2f0","_type":"span","marks":[],"text":"When it comes to what to put in your SIPP, more confident savers may prefer to choose their own range of individual "},{"_key":"4f4b2e313950","_type":"span","marks":["03227fb6d8b6"],"text":"shares"},{"_key":"46973f83f2a3","_type":"span","marks":[],"text":", but we wouldn’t typically suggest this route for the newer or less confident investor."}],"markDefs":[{"_key":"03227fb6d8b6","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}}],"style":"normal"},{"_key":"ae8693377528","_type":"block","children":[{"_key":"925bf5fc3575","_type":"span","marks":[],"text":"Intermediate investors"}],"markDefs":[],"style":"h4"},{"_key":"511689fd50f5","_type":"block","children":[{"_key":"fb65c7af30ce","_type":"span","marks":[],"text":"If you're reasonably confident when it comes to investing, you know what you want and don't mind handling some of the decisions yourself, selecting a decent-sized range of "},{"_key":"cda1838f9d28","_type":"span","marks":["7d48bf1e1468"],"text":"funds"},{"_key":"6a01878f5a2a","_type":"span","marks":[],"text":" - say, 8 to 12 - should suffice."}],"markDefs":[{"_key":"7d48bf1e1468","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"dc8e4b42709b","_type":"block","children":[{"_key":"4eec2d815e82","_type":"span","marks":[],"text":"Beginner investors"}],"markDefs":[],"style":"h4"},{"_key":"0606026b2bcc","_type":"block","children":[{"_key":"348d2002a5ef0","_type":"span","marks":[],"text":"And if you don’t want to research a pool of funds and you aren’t sure what to do, consider a "},{"_key":"b05db35ca1a1","_type":"span","marks":["b70bc2f1cd4b"],"text":"ready-made investment"},{"_key":"a8e333f86971","_type":"span","marks":[],"text":". This is a great way to start for the less confident investor who would prefer to have all the difficult decision-making handled for you."}],"markDefs":[{"_key":"b70bc2f1cd4b","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"6ac0bfb047a9","_type":"block","children":[{"_key":"f96bd3c6eab5","_type":"span","marks":[],"text":""},{"_key":"b4b2a500811e","_type":"mainAnchor","pageAnchor":{"_ref":"cbf710fc-0661-47c8-b9c5-b0c5315d37b1","_type":"reference"}},{"_key":"dfac1679452e","_type":"span","marks":[],"text":"How much does a personal pension cost?"}],"markDefs":[],"style":"h2"},{"_key":"c56016f0cd43","_type":"block","children":[{"_key":"432fb9ca16c0","_type":"span","marks":[],"text":"There are three basic elements to the cost of having and running a SIPP account. These typically include:"}],"markDefs":[],"style":"normal"},{"_key":"d3dea964ce4b","_type":"block","children":[{"_key":"f0c8a51c9cd3","_type":"span","marks":["strong"],"text":"Admin fees: "},{"_key":"b0f9dfd3d87c","_type":"span","marks":[],"text":"The annual administration fee for providing the pension - this will usually be between 0.35% and 0.5% each year and will be levied by the company you open up the account with."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"040f23a1e4d1","_type":"block","children":[{"_key":"3da1063e39ab","_type":"span","marks":["strong"],"text":"Dealing charges:"},{"_key":"653447385695","_type":"span","marks":[],"text":" The fees charged when you buy or sell funds or shares. It’s normally about a tenner to buy a share and buying funds is usually less or free."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"157061d0c482","_type":"block","children":[{"_key":"f573a3f84539","_type":"span","marks":["strong"],"text":"Fund management fees:"},{"_key":"fa2f200939a0","_type":"span","marks":[],"text":" The annual charge from the fund manager for managing your investments. This will apply if you buy managed funds inside your pension, which is typically the case. This is usually about 0.75% every year."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a00e7156f141","_type":"block","children":[{"_key":"23fe9ccb048c","_type":"span","marks":[],"text":"Most people wonder why it can’t just be bundled together as a single and simple fee, but the UK financial services regulator - the FCA - has been clear that it wants people to know what they are paying for the different parts of the overall service."}],"markDefs":[],"style":"normal"},{"_key":"034a23f191a8","_type":"block","children":[{"_key":"064cba8435f0","_type":"span","marks":[],"text":"All in, most people should not be paying more than about 1.3% a year. So that's £13 on every £1,000 invested. The biggest variable will be the charges on the underlying investments within your SIPP, and these will vary depending on what you choose - from lower-cost options like ETFs to higher-cost assets like investment trusts."}],"markDefs":[],"style":"normal"},{"_key":"d94993d414f8","_type":"block","children":[{"_key":"b1591a97a5b7","_type":"span","marks":[],"text":"This is one of the main reasons why it's key to shop around before you select your SIPP provider, to make sure you get the best value for money for what you want. If you're looking for the lowest-cost SIPP providers on the market, check out the winners of our Best Low-cost SIPP awards for portfolios under and over £50,000."}],"markDefs":[],"style":"normal"},{"_key":"c5cf40b9836e","_type":"block","children":[{"_key":"a5e35b930792","_type":"span","marks":["72c3566dfce5"],"text":"Best Low-cost Pension <£50k"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"72c3566dfce5","_type":"internalLinkPick","reference":{"_ref":"6b117d65-8d5f-4b41-ab76-72ad931731a5","_type":"reference"}}],"style":"normal"},{"_key":"c7dccf052b60","_type":"block","children":[{"_key":"ba4e18a8c7f2","_type":"span","marks":["a434d0a08e6f"],"text":"Best Low-cost Pension >£50k"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"a434d0a08e6f","_type":"internalLinkPick","reference":{"_ref":"4c448256-d916-44ed-991f-5a9d5c44c109","_type":"reference"}}],"style":"normal"},{"_key":"e5b680b04d0a","_type":"block","children":[{"_key":"c57a7380ef56","_type":"span","marks":[],"text":""},{"_key":"f4ab1769aacd","_type":"mainAnchor","pageAnchor":{"_ref":"db41d03a-ca09-42cc-bb7e-ee782c820ab7","_type":"reference"}},{"_key":"1dfbf7351126","_type":"span","marks":[],"text":"Choose a personal pension"}],"markDefs":[],"style":"h2"},{"_key":"5f50e98a869a","_type":"block","children":[{"_key":"1e3ce253efd2","_type":"span","marks":[],"text":"If you've decided to open a SIPP, there are dozens of providers to choose from and this can make it tricky to see the wood for the trees. 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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":"9ada0129d9d9","_type":"block","children":[{"_key":"102d48141425","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b76c279925f3","_type":"block","children":[{"_key":"daa564b0431f","_type":"span","marks":[],"text":""},{"_key":"76be62699b3e","_type":"mainAnchor","pageAnchor":{"_ref":"abce80e4-d3d9-4aac-abc1-510b2c118415","_type":"reference"}},{"_key":"f30cc6342f8e","_type":"span","marks":[],"text":"Stocks & Shares ISA: Short-term vs long-term investing "}],"markDefs":[],"style":"h2"},{"_key":"d82a8fc2fd0c","_type":"block","children":[{"_key":"8c136c2f2755","_type":"span","marks":[],"text":"It can be helpful to think about investing in the stock market a bit like the housing market. Imagine you hear on the news that the property market is down 3% in your area. Do you freak out, run for the hills and stockpile baked beans? No – only if you don't have a choice and "},{"_key":"aad09a6b9855","_type":"span","marks":["em"],"text":"have "},{"_key":"acc88a1b29a6","_type":"span","marks":[],"text":"to sell that year. Otherwise, you sit tight and wait for the market to recover. "}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"29e5815ac3a7","_type":"block","children":[{"_key":"706f02f0f1f2","_type":"span","marks":[],"text":"FREE TOOL: Not sure which ISA or pension is right for you?"}],"markDefs":[],"style":"h4"},{"_key":"413101212e38","_type":"block","children":[{"_key":"689ff7bc39ee","_type":"span","marks":[],"text":"Answer 6 questions. Get 3 tailored recommendations. Independent, unbiased, free."}],"markDefs":[],"style":"normal"}],"_key":"8c91ab282a38","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"reference":{"_ref":"249771c5-00b0-4103-9775-fe8bb8339397","_type":"reference"},"text":"FIND MY ISA"},{"_key":"50f10f0f6a8a","_type":"block","children":[{"_key":"0876d3b43bc1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c3ec473a32f","_type":"block","children":[{"_key":"9342c0a6ccfa","_type":"span","marks":[],"text":"Shares and investing in the stock market are kind of the same. Unless you need to sell at that very point in time, you can sit tight and ride out the bad times, only selling when the markets are more in your favour. "}],"markDefs":[],"style":"normal"},{"_key":"b02b151be7de","_type":"block","children":[{"_key":"738702b1f9bc","_type":"span","marks":[],"text":"This is why timeframes matter so much. If you know you'll need to cash in within 12 months, stick it in the stock market anyway, and then some unfortunate force sends markets tumbling... well, you’re stuffed and your back’s against the wall. You'll have to withdraw your cash during a dip. But if you can park your money for longer - say, 5 years or more - it’s much less likely you'll have to sell when things are rubbish."}],"markDefs":[],"style":"normal"},{"_key":"4249037765fa","_type":"block","children":[{"_key":"53725bd4af3b0","_type":"span","marks":[],"text":"As a very loose rule of thumb, expecting to make about 5% a year from a diversified portfolio (that is, essentially, a mixed bag) of investments should be achievable. Some years it could be 20%, some years it could be minus 20%. An important rule for investing is to avoid needing to be a forced seller in bad years, so the longer you give yourself to invest, the greater your ability to ride out any rough patches and cash in on your own terms - hopefully once you've made a decent profit!"}],"markDefs":[],"style":"normal"},{"_key":"b498c1bc502f","_type":"textboxWidget","image":{"_type":"mainImage","asset":{"_ref":"image-5ed7e4bf99e8196fa217894330eaef10e1131ccc-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","text":[{"_key":"f41512cd32a0","_type":"block","children":[{"_key":"2c6df9dcfbed","_type":"span","marks":[],"text":"Ready to open a Stocks & Shares ISA? 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Get "},{"_key":"331d19f4e6ea","_type":"span","marks":["strong"],"text":"5% AER"},{"_key":"190246e9e4ad","_type":"span","marks":[],"text":" on your uninvested ISA cash while you decide where to invest (T&Cs apply)."}],"markDefs":[],"style":"normal"},{"_key":"b14f7c38c9d3","_type":"block","children":[{"_key":"2f5d0506d7c6","_type":"span","marks":[],"text":"When you're ready to dive deeper, IG has you covered with "},{"_key":"aef5879f8e76","_type":"span","marks":["strong"],"text":"industry-leading education"},{"_key":"78189b3c8827","_type":"span","marks":[],"text":" through IG Academy, plus"},{"_key":"4aa70fb0f3a0","_type":"span","marks":["strong"],"text":" advanced charting tools"},{"_key":"9284372ac7ba","_type":"span","marks":[],"text":" via ProRealTime and TradingView for when you want to take a more hands-on approach."}],"markDefs":[],"style":"normal"},{"_key":"212b1976d129","_type":"block","children":[{"_key":"65dd11b69550","_type":"span","marks":["299a017cc91f"],"text":"Invest in shares, ETFs, and funds"},{"_key":"e1bc555c21c0","_type":"span","marks":[],"text":" — all tax-free within your annual £20,000 ISA allowance."}],"markDefs":[{"_key":"299a017cc91f","_type":"internalLinkPick","blank":true,"reference":{"_ref":"3b87ca08-ad76-4bb8-8dfc-9af657bdf65b","_type":"reference"}}],"style":"normal"},{"_key":"f671aeabc348","_type":"block","children":[{"_key":"151a6be4871d","_type":"span","marks":["strong"],"text":"Capital at risk. Tax treatment depends on individual circumstances and may be subject to change."}],"markDefs":[],"style":"normal"}],"title":"Sponsored Message by IG"},{"_key":"31edda0e601c","_type":"block","children":[{"_key":"acd4ebc366e1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"d01a141e8c03","_type":"block","children":[{"_key":"e682afe0f5d1","_type":"span","marks":["strong"],"text":"OPEN AN IG ISA"}],"markDefs":[],"style":"normal"},{"_key":"41bce9ed5340","_type":"block","children":[{"_key":"81b442eaa20a","_type":"span","marks":["em"],"text":""}],"markDefs":[],"style":"normal"}],"_key":"301e2d4ad05a","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"partner":true,"reference":{"_ref":"3b87ca08-ad76-4bb8-8dfc-9af657bdf65b","_type":"reference"},"text":"GO TO IG"},{"_key":"f1b8c015a37e","_type":"block","children":[{"_key":"3969728b09df","_type":"span","marks":[],"text":""},{"_key":"41e2b96a1a81","_type":"mainAnchor","pageAnchor":{"_ref":"de11b854-1405-452f-b312-e1ed6bbc24a8","_type":"reference"}},{"_key":"465560c9831b","_type":"span","marks":[],"text":"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. 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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. 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Beyond that, dividends are taxed at 8.75% (basic rate taxpayer), 33.75% (higher rate taxpayer) and 39.35% (additional rate taxpayer)."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7c82650eb34b","_type":"block","children":[{"_key":"7b5527c9788d","_type":"span","marks":[],"text":""},{"_key":"3e0d664bece7","_type":"mainAnchor","pageAnchor":{"_ref":"d126b370-d02a-448b-94fa-bfd7b22886df","_type":"reference"}},{"_key":"6230b3d15fbd","_type":"span","marks":[],"text":"How do I start investing with a Stocks & Shares ISA?"}],"markDefs":[],"style":"h2"},{"_key":"99ecd88f0312","_type":"block","children":[{"_key":"5469e42a949f0","_type":"span","marks":[],"text":"If you haven't invested before, it can be daunting to figure out which products to buy and where to purchase them, but the good news is that the whole process is simpler than ever before."}],"markDefs":[],"style":"normal"},{"_key":"6e8fb0875c73","_type":"block","children":[{"_key":"3946793871d20","_type":"span","marks":[],"text":"If you're a beginner investor and you're not quite sure who to trust, every year we recognise the companies we think offer the very best Stocks & Shares ISAs with our coveted Best Buy ISA award. 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Click the link below to dig in!"}],"markDefs":[],"style":"normal"},{"_key":"c162feb57cd0","_type":"block","children":[{"_key":"08308deedffe","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"bbfbc6fb7b2e","_type":"block","children":[{"_key":"e34a8d102f53","_type":"span","marks":["strong"],"text":"Compare Stocks & Shares ISA providers"}],"markDefs":[],"style":"normal"}],"_key":"d254c9621a55","_type":"ctaWidget","reference":{"_ref":"7324b8af-c1eb-46a0-b36a-caa8783606e0","_type":"reference"},"text":"GET STARTED"},{"_key":"2ad6bbfc7341","_type":"block","children":[{"_key":"0f809ca9543e0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"brazeCustomAttributes":[{"_key":"44d17cbfb661","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_Article_Gated","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/stocks-shares-isa/"}],"categories":[{"_key":"d4970f30191f","_ref":"39d2ca7f-4862-4ab2-b902-0bf10f1d4c34","_type":"reference"},{"_key":"eb8a2362d0cd","_ref":"f50c6403-0239-4ea4-a0dc-52ccd3b3f5f9","_type":"reference"}],"emailSignupWidgetButtonText":"JOIN US","enableGatedContent":true,"excerpt":[{"_key":"b8a80063a5e7","_type":"block","children":[{"_key":"8cd60d00f103","_type":"span","marks":[],"text":"A Stocks & Shares ISA is a type of savings account where you can invest in the stock market without having to worry about tax."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"0f0d00bddb67","_type":"block","children":[{"_key":"3ef870f7225a0","_type":"span","marks":[],"text":"Tax-Free Investment Made Simple"}],"markDefs":[],"style":"h2"},{"_key":"83257bfbfa64","_type":"block","children":[{"_key":"edcf7c4092c90","_type":"span","marks":[],"text":"Quick facts "}],"markDefs":[],"style":"h2"},{"_key":"592939a9054e","_type":"textboxWidget","text":[{"_key":"6684a57e4582","_type":"block","children":[{"_key":"fb529cfb4319","_type":"span","marks":[],"text":"Annual allowance: £20,000"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f5b26ac91d28","_type":"block","children":[{"_key":"c0a45b76febf","_type":"span","marks":[],"text":"Tax benefits: No tax on profits, dividends, or interest"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a17eb965b2f5","_type":"block","children":[{"_key":"610b57a2d534","_type":"span","marks":[],"text":"Minimum investment: From £1/month with some providers"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"556a42bd003b","_type":"block","children":[{"_key":"84375479ba80","_type":"span","marks":[],"text":"Access: Withdraw money anytime"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"827622adac54","_type":"block","children":[{"_key":"5e8eeef0e836","_type":"span","marks":[],"text":"Investment types: Shares, funds, ETFs, bonds "}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8616b3442ff7","_type":"block","children":[{"_key":"a5858378b088","_type":"span","marks":[],"text":"Risk level: Varies based on investments chosen"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"title":"Quick Facts "},{"_key":"e74d6a6a1c1a","_type":"block","children":[{"_key":"a47b92c33dfe","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7846bc51e917","_type":"block","children":[{"_key":"45c74e5d29770","_type":"span","marks":[],"text":"If you'd invested £10,000 in a Cash ISA in 2013, you'd have gained £1,102 by 2023. 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Although most fees are small compared to the overall size of an investment portfolio, they can eat into your returns, so being informed can help you make better investment decisions and potentially preserve more of your gains."}],"markDefs":[],"style":"normal"},{"_key":"7d0a7ce2d076","_type":"block","children":[{"_key":"7d2fb653fc51","_type":"span","marks":[],"text":"Essentially, if you’re able to minimise fees, you can keep more of your investment returns to yourself!"}],"markDefs":[],"style":"normal"},{"_key":"a67a1a0088ad","_type":"block","children":[{"_key":"586c1b5a7cd60","_type":"span","marks":[],"text":"Below is a breakdown of where investment fees come from, the eight main fees investors in the UK are likely to come across, and some examples of how these work in practice."}],"markDefs":[],"style":"normal"},{"_key":"52fe37f0af74","_type":"block","children":[{"_key":"bbeb7da93020","_type":"span","marks":[],"text":""},{"_key":"cb6c005dcb2d","_type":"mainAnchor","pageAnchor":{"_ref":"a4d0c08f-8fca-4457-a732-a74e51d93c46","_type":"reference"}},{"_key":"4a8eeea58fba","_type":"span","marks":[],"text":"Who charges investment fees?"}],"markDefs":[],"style":"h2"},{"_key":"8ed03c88d3ad","_type":"block","children":[{"_key":"b437c3bcdb7f","_type":"span","marks":[],"text":"There are a few different entities which may charge you to invest - your investment platform, your fund provider, and your fund manager. 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"}],"markDefs":[{"_key":"f0916bb48d27","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}},{"_key":"ce9da44764c9","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}},{"_key":"b2f108b2ca75","_type":"internalLinkPick","reference":{"_ref":"583a0e19-d23d-4df3-989f-54c2368f0d41","_type":"reference"}}],"style":"normal"},{"_key":"86b290031468","_type":"block","children":[{"_key":"bf4554c1f2e1","_type":"span","marks":[],"text":"You like the idea of investing in a fund managed by BlackRock, one of the largest fund providers in the world. BlackRock offers a range of investment products and employs a team of expert fund managers who oversee the performance of these funds."}],"markDefs":[],"style":"normal"},{"_key":"0f570a9b733b","_type":"block","children":[{"_key":"1f2015ffc8d30","_type":"span","marks":[],"text":"You use your Hargreaves Lansdown ISA to invest in a BlackRock fund. "}],"markDefs":[],"style":"normal"},{"_key":"ead570b8e784","_type":"block","children":[{"_key":"ccbb52abd706","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c5129c652282","_type":"textboxWidget","image":{"_type":"mainImage","alt":"In this scenario:  Investment platform: Hargreaves Lansdown is the website or app where you have an account. You use this platform to buy, sell, and manage your investment in your BlackRock fund. Your investment platform may also be called your \"account provider\".  Fund provider: BlackRock is the company which offers the fund you're investing in. They employ the fund managers who run the fund and make investment decisions. Your fund provider may also be referred to as your \"asset manager\".  Fund manager: The specific team of experts at BlackRock who manage the fund, making decisions about the underlying investments within the fund to maximise returns and achieve the best possible outcome for shareholders."},"text":[{"_key":"a2ced2691e1d","_type":"block","children":[{"_key":"8e7aee538ab4","_type":"span","marks":[],"text":"In this scenario:"}],"markDefs":[],"style":"normal"},{"_key":"48db5e154c51","_type":"block","children":[{"_key":"251dbee0ec54","_type":"span","marks":["strong"],"text":"Investment platform:"},{"_key":"d9d9395be9e0","_type":"span","marks":[],"text":" Hargreaves Lansdown is the website or app where you have an account. You use this platform to buy, sell, and manage your investment in your BlackRock fund. Your investment platform may also be called your \"account provider\"."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"cacfb4d6822f","_type":"block","children":[{"_key":"8e51fcde59f7","_type":"span","marks":["strong"],"text":"Fund provider:"},{"_key":"8bb3610ec230","_type":"span","marks":[],"text":" BlackRock is the company which offers the fund you're investing in. They employ the fund managers who run the fund and make investment decisions. Your fund provider may also be referred to as your \"asset manager\"."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8bbce3be95f7","_type":"block","children":[{"_key":"efc08615ee4f","_type":"span","marks":["strong"],"text":"Fund manager:"},{"_key":"c2cc431f8326","_type":"span","marks":[],"text":" The specific team of experts at BlackRock who manage the fund, making decisions about the underlying investments within the fund to maximise returns and achieve the best possible outcome for shareholders."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"051b870c8038","_type":"block","children":[{"_key":"ed00378cfa4a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"73edb80461dc","_type":"block","children":[{"_key":"6cd1a456912a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a2b09fb4c1c0","_type":"block","children":[{"_key":"a267e4f63e1d","_type":"span","marks":[],"text":"These definitions are not mutually exclusive, however. For example, if you set up an ISA with "},{"_key":"ad0dff5f3ae0","_type":"span","marks":["21a14b35ef00"],"text":"AJ Bell"},{"_key":"4beffc0fdb31","_type":"span","marks":[],"text":" and then used this account to invest in an AJ Bell fund, AJ Bell would be your investment platform, your fund provider "},{"_key":"10b885f726d8","_type":"span","marks":["em"],"text":"and"},{"_key":"a3e6035d9aaa","_type":"span","marks":[],"text":" your fund manager."}],"markDefs":[{"_key":"21a14b35ef00","_type":"internalLinkPick","reference":{"_ref":"1dbcb796-5201-4542-a5fd-e9d2d02257e5","_type":"reference"}}],"style":"normal"},{"_key":"15df877c8740","_type":"block","children":[{"_key":"50a54d6248f4","_type":"span","marks":[],"text":"Out of these entities, you're most likely to encounter fees charged by your fund manager - for the cost of managing your chosen investment - and your investment platform - for the service of setting up and handling your account. Let's dig a little deeper into what specific fees you may come across for each."}],"markDefs":[],"style":"normal"},{"_key":"cfda3ad8791c","_type":"block","children":[{"_key":"9cd01847413e","_type":"span","marks":[],"text":""},{"_key":"22cf2e8a4b33","_type":"mainAnchor","pageAnchor":{"_ref":"251c03d8-3450-4aa8-851a-94a144785355","_type":"reference"}},{"_key":"cbcc6aadbeb1","_type":"span","marks":[],"text":"Fund manager fees"}],"markDefs":[],"style":"h2"},{"_key":"b86d716b66a7","_type":"block","children":[{"_key":"cc1ea12d89d3","_type":"span","marks":[],"text":"These are the fees that come directly from your fund manager - i.e. the specific team that runs the product you're investing in. "}],"markDefs":[],"style":"normal"},{"_key":"5dce884426ce","_type":"block","children":[{"_key":"fdc3d5925e23","_type":"span","marks":[],"text":""},{"_key":"6b0f3b25fcb5","_type":"mainAnchor","pageAnchor":{"_ref":"319ddbd4-1609-431e-9298-4eb5c1f53bb6","_type":"reference"}},{"_key":"c3c5831472e0","_type":"span","marks":[],"text":"1. Ongoing Charges Figure (OCF)"}],"markDefs":[],"style":"h3"},{"_key":"9c3805ffdbce","_type":"block","children":[{"_key":"5c29815172b9","_type":"span","marks":[],"text":"The OCF represents the annual cost of managing the fund. It includes management fees, administrative expenses, and most other operational costs. This fee is deducted from the fund’s value, meaning you won’t see a direct charge, but will notice its effect on your returns."}],"markDefs":[],"style":"normal"},{"_key":"76e4af4c4aae","_type":"block","children":[{"_key":"621d5eb7ca99","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6f6bec3f5357","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Example: If a fund has a 1% OCF and your investment is worth £10,000, you’ll pay £100 annually in fees, which reduces your overall returns."},"text":[{"_key":"c3acedb4c90f","_type":"block","children":[{"_key":"48e9ed6cd08b","_type":"span","marks":["strong"],"text":"Example:"},{"_key":"1920a555ed88","_type":"span","marks":[],"text":" If a fund has a 1% OCF and your investment is worth £10,000, you’ll pay £100 annually in fees, which reduces your overall returns."}],"markDefs":[],"style":"normal"}]},{"_key":"2a4e1ef8f9f6","_type":"block","children":[{"_key":"91b1666c1097","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5e93e328fb20","_type":"block","children":[{"_key":"245acad9fdaa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6e247ba08c17","_type":"block","children":[{"_key":"6da4ee2a0d9b","_type":"span","marks":[],"text":"Active funds, which are managed by professionals trying to outperform the market, usually have higher OCFs (1%-2.5%) because of their research and trading costs. On the other hand, passive funds - such as index funds or most ETFs - often have lower OCFs (0.1%-0.75%), as they simply track a market index without requiring frequent intervention."}],"markDefs":[],"style":"normal"},{"_key":"cf8c2bcb6eb7","_type":"block","children":[{"_key":"b0a10c95b7c8","_type":"span","marks":[],"text":""},{"_key":"bcaca3112cf1","_type":"mainAnchor","pageAnchor":{"_ref":"e1b4e6dd-5c72-4514-9a9b-9e7295507ad0","_type":"reference"}},{"_key":"0a88e306b2c3","_type":"span","marks":[],"text":"2. Performance Fees"}],"markDefs":[],"style":"h3"},{"_key":"18c2263a0c5f","_type":"block","children":[{"_key":"7340d64a5a66","_type":"span","marks":[],"text":"Performance fees are charged by some actively managed funds if the fund exceeds a predetermined benchmark or exceeds a specific rate of return. In other words, this fee is a reward for the fund manager’s success in outperforming the market."}],"markDefs":[],"style":"normal"},{"_key":"ad6994c91a0e","_type":"block","children":[{"_key":"60866637583d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"65ec473e0999","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Example: A fund with a 15% performance fee and £1,000 in outperformance would cost you £150 in additional fees."},"text":[{"_key":"c3acedb4c90f","_type":"block","children":[{"_key":"88f11e52294e","_type":"span","marks":["strong"],"text":"Example:"},{"_key":"e690e61d9c82","_type":"span","marks":[],"text":" A fund with a 15% performance fee and £1,000 in outperformance would cost you £150 in additional fees."}],"markDefs":[],"style":"normal"}]},{"_key":"23b3fff809cf","_type":"block","children":[{"_key":"c57849fc9c26","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6d8dff8a3946","_type":"block","children":[{"_key":"27648199190c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"169be72bab7e","_type":"block","children":[{"_key":"624b21126d83","_type":"span","marks":[],"text":"While performance fees may help to incentivise fund managers to achieve the greatest possible returns, you could argue that they can also inevitably encourage managers to take excessive risks to maximise short-term gains and earn higher fees as a result. Therefore, for beginner or less confident investors, it’s typically a good idea to focus on funds with low or no performance fees – especially if their track record doesn’t justify the added expense."}],"markDefs":[],"style":"normal"},{"_key":"ef3bfd4eba34","_type":"block","children":[{"_key":"45e62adc740c","_type":"span","marks":[],"text":""},{"_key":"4002693248f3","_type":"mainAnchor","pageAnchor":{"_ref":"cf07ead0-065e-48e6-afce-ff8b72142a1a","_type":"reference"}},{"_key":"de14ae3daab2","_type":"span","marks":[],"text":"3. Transaction Fees"}],"markDefs":[],"style":"h3"},{"_key":"ac9b5ca49aa7","_type":"block","children":[{"_key":"48db521c091d","_type":"span","marks":[],"text":"Some costs, such as trading expenses incurred by the fund manager when buying and selling assets within the fund, are less visible. These transaction fees are usually included in the OCF, but they can vary significantly depending on the fund’s trading strategy."}],"markDefs":[],"style":"normal"},{"_key":"b59cb5efdad6","_type":"block","children":[{"_key":"b9dc334ee59d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ecb2b1d33257","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Example: A high-turnover fund that frequently buys and sells stocks will have higher trading costs compared to a low-turnover fund that holds assets for longer periods."},"text":[{"_key":"c3acedb4c90f","_type":"block","children":[{"_key":"b9d394629820","_type":"span","marks":["strong"],"text":"Example: "},{"_key":"ec2e06b7a82a","_type":"span","marks":[],"text":"A high-turnover fund that frequently buys and sells stocks will have higher trading costs compared to a low-turnover fund that holds assets for longer periods."}],"markDefs":[],"style":"normal"}]},{"_key":"8f5cad457364","_type":"block","children":[{"_key":"2abec0750d90","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"01ca2b2826eb","_type":"block","children":[{"_key":"66d0d41f27a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dfb9d74c2898","_type":"block","children":[{"_key":"be1d2223aeda","_type":"span","marks":[],"text":"Funds with lower turnover tend to have lower hidden costs. Passive funds like ETFs often have minimal trading activity, making them a cost-efficient option for long-term investors who don’t mind sitting and watching their returns compound over time."}],"markDefs":[],"style":"normal"},{"_key":"ef1c8165d1cb","_type":"block","children":[{"_key":"7f1eba51dfab","_type":"span","marks":[],"text":""},{"_key":"844b66777b10","_type":"mainAnchor","pageAnchor":{"_ref":"65a917cc-c1c9-49a8-9b2f-448a6be4cb39","_type":"reference"}},{"_key":"4fc9c91efdf9","_type":"span","marks":[],"text":"4. Initial Charge (Entry Fee)"}],"markDefs":[],"style":"h3"},{"_key":"dab5fc753ea6","_type":"block","children":[{"_key":"739d110fd3270","_type":"span","marks":[],"text":"The initial charge or entry fee is a one-off fee you may have to pay when you first invest in a fund. This fee, typically expressed as a percentage of your investment, is meant to cover the fund provider’s* costs for handling your money."}],"markDefs":[],"style":"normal"},{"_key":"7fc40dadcd97","_type":"block","children":[{"_key":"1edd84cdd3d5","_type":"span","marks":[],"text":"*Your fund provider is the firm that offers the fund you're investing in. Your fund manager is the specific team within the provider that operates your chosen fund."}],"markDefs":[],"style":"normal"},{"_key":"453ab1309626","_type":"block","children":[{"_key":"07fd790c9cb3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7cac6048e4b4","_type":"block","children":[{"_key":"44501fcd13980","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a5459ba386f1","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Example: If a fund has a 3% initial charge and you invest £1,000, £30 would be deducted at the point of set-up and only £970 would be invested in your new account."},"text":[{"_key":"c3acedb4c90f","_type":"block","children":[{"_key":"1878b034aef3","_type":"span","marks":["strong"],"text":"Example: "},{"_key":"eca00223cb01","_type":"span","marks":[],"text":"If a fund has a 3% initial charge and you invest £1,000, £30 would be deducted at the point of set-up and only £970 would be invested in your new account."}],"markDefs":[],"style":"normal"}]},{"_key":"6ce946f08d59","_type":"block","children":[{"_key":"6c40f421b661","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"91039f402882","_type":"block","children":[{"_key":"2ddbbacd80fd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"638050f35a27","_type":"block","children":[{"_key":"53d3df678bfc","_type":"span","marks":[],"text":"Initial charges used to be more commonplace, but they have become less prevalent in recent years due to the rise of low-cost investment platforms. Most platforms now waive this fee for many funds, making it easier than ever for you to get started without losing a chunk of your capital upfront."}],"markDefs":[],"style":"normal"},{"_key":"61fc3261a5b6","_type":"block","children":[{"_key":"a394499ba757","_type":"span","marks":[],"text":""},{"_key":"f2668bf49b6b","_type":"mainAnchor","pageAnchor":{"_ref":"6785482f-7706-4ff1-ac0b-380b3a6748b7","_type":"reference"}},{"_key":"ccb0c993fa5c","_type":"span","marks":[],"text":"Investment platform fees"}],"markDefs":[],"style":"h2"},{"_key":"5e7d23df5e5a","_type":"block","children":[{"_key":"d7280076bf2a","_type":"span","marks":[],"text":"These are the fees that come from the platform you're investing with - i.e. the company that runs the "},{"_key":"6d363c80ceee","_type":"span","marks":["046d3c482b2c"],"text":"ISA"},{"_key":"96dbbe64e149","_type":"span","marks":[],"text":"/"},{"_key":"cfc0841de028","_type":"span","marks":["aa272aa8b034"],"text":"SIPP"},{"_key":"c93b0cf9b335","_type":"span","marks":[],"text":"/etc account you use to invest. "}],"markDefs":[{"_key":"046d3c482b2c","_type":"internalLinkPick","reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}},{"_key":"aa272aa8b034","_type":"internalLinkPick","reference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"}}],"style":"normal"},{"_key":"4b8db2eade3e","_type":"block","children":[{"_key":"39de78964dd6","_type":"span","marks":[],"text":""},{"_key":"9cd3972095b8","_type":"mainAnchor","pageAnchor":{"_ref":"ea7af508-c3cd-490f-8f27-ea9ef5a12974","_type":"reference"}},{"_key":"d135ccb038a50","_type":"span","marks":[],"text":"1. Platform Fees (Account Fee)"}],"markDefs":[],"style":"h3"},{"_key":"22734d4fea07","_type":"block","children":[{"_key":"6763d6521b9a0","_type":"span","marks":[],"text":"Platform fees, or account fees, are among the most common charges investors come across. These are the fees you pay to a platform for providing access to funds, managing your account, and offering tools like research and portfolio tracking– basically, it’s the charge for using their service. This fee can be based on a percentage of your portfolio value or charged as a flat fee."}],"markDefs":[],"style":"normal"},{"_key":"814080b0cd94","_type":"block","children":[{"_key":"ce0723d84c3d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9e3787e60176","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Example: A platform charging a percentage fee might cost 0.25% annually on a £20,000 portfolio, amounting to £50 per year. Alternatively, a flat-fee platform might charge £10 per month, totalling £120 annually."},"text":[{"_key":"c3acedb4c90f","_type":"block","children":[{"_key":"eb071f627439","_type":"span","marks":["strong"],"text":"Example: "},{"_key":"256d5a79a253","_type":"span","marks":[],"text":"A platform charging a percentage fee might cost 0.25% annually on a £20,000 portfolio, amounting to £50 per year. Alternatively, a flat-fee platform might charge £10 per month, totalling £120 annually."}],"markDefs":[],"style":"normal"}]},{"_key":"5f19d11c712d","_type":"block","children":[{"_key":"e67167f1a6e20","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0a43b7bd7b9a","_type":"block","children":[{"_key":"a4bab1709941","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"09665ef43243","_type":"block","children":[{"_key":"8735b0d218af0","_type":"span","marks":[],"text":"Popular investment platforms like "},{"_key":"db57b90c7595","_type":"span","marks":["7e60d7f7a3a2"],"text":"Hargreaves Lansdown"},{"_key":"7dadb643c30a","_type":"span","marks":[],"text":","},{"_key":"16ff8f975b62","_type":"span","marks":["591c5bb31d46"],"text":" interactive investor"},{"_key":"ca476d699b10","_type":"span","marks":[],"text":", and "},{"_key":"ca42024b9127","_type":"span","marks":["70f19dd22778"],"text":"Vanguard"},{"_key":"3b7efe63cc2e","_type":"span","marks":[],"text":" have different pricing structures. For smaller portfolios, percentage-based fees may be more economical. Conversely, flat-fee platforms often become cost-effective as your portfolio grows. Comparing platforms carefully is crucial to minimise these costs."}],"markDefs":[{"_key":"7e60d7f7a3a2","_type":"internalLinkPick","reference":{"_ref":"be15878f-dc2e-4446-960e-348b0e08cabf","_type":"reference"}},{"_key":"591c5bb31d46","_type":"internalLinkPick","reference":{"_ref":"8fb52747-9a41-4cb2-8fb7-560617e89ff0","_type":"reference"}},{"_key":"70f19dd22778","_type":"internalLinkPick","reference":{"_ref":"adaaa7f6-c133-4c10-862e-ed87bc3fd480","_type":"reference"}}],"style":"normal"},{"_key":"820068e86b64","_type":"block","children":[{"_key":"c82da25592cf","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"879140b94971","_type":"block","children":[{"_key":"a71f81c30226","_type":"span","marks":["strong"],"text":"Check out our shortlist of the cheapest ISA providers "}],"markDefs":[],"style":"normal"}],"_key":"9be462d4d05a","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"e91598d9-23eb-40e6-a16c-48bd56cf5085","_type":"reference"},"text":"CLICK HERE"},{"_key":"d58849a5330a","_type":"block","children":[{"_key":"017943e8f63c","_type":"span","marks":[],"text":""},{"_key":"1817f028c1ff","_type":"mainAnchor","pageAnchor":{"_ref":"5273f50f-83f4-4ce9-9749-f9fc7c7fb942","_type":"reference"}},{"_key":"fc6ee1ba780b0","_type":"span","marks":[],"text":"2. Dealing Fees"}],"markDefs":[],"style":"h3"},{"_key":"902a5da46a39","_type":"block","children":[{"_key":"215358968a940","_type":"span","marks":[],"text":"Dealing fees are another common one. These are charges you incur when you buy, sell, or switch funds. Some platforms offer commission-free trades, especially if you set up regular monthly contributions, but others may charge per transaction."}],"markDefs":[],"style":"normal"},{"_key":"32fc7f4a20a6","_type":"block","children":[{"_key":"15d80a94527e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"04fe8dc10fa4","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Example: A platform charging £10 per fund trade means buying and then selling a fund would cost £20 in total in transaction fees."},"text":[{"_key":"c3acedb4c90f","_type":"block","children":[{"_key":"f48cce4bca2e","_type":"span","marks":["strong"],"text":"Example: "},{"_key":"d4e1437d773f","_type":"span","marks":[],"text":"A platform charging £10 per fund trade means buying and then selling a fund would cost £20 in total in transaction fees."}],"markDefs":[],"style":"normal"}]},{"_key":"676fac387320","_type":"block","children":[{"_key":"317d8a26e8090","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2857f6099a97","_type":"block","children":[{"_key":"8d2dac658d32","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5ef14fe75b0f","_type":"block","children":[{"_key":"280c99b272fd0","_type":"span","marks":[],"text":"Keen investors trading regularly or making monthly contributions should consider platforms with no dealing fees for regular investments. 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Others focus on "},{"_key":"1a8176d1fbbb","_type":"span","marks":["86eeea6d91ef"],"text":"investment themes "},{"_key":"3ddb33d4e3ac","_type":"span","marks":[],"text":"like Clean Energy, Artificial Intelligence, or Biotech."}],"markDefs":[{"_key":"86eeea6d91ef","_type":"glossaryPick","reference":{"_ref":"153b5d49-ccd6-4396-8965-dc69754a85a6","_type":"reference"}},{"_key":"20ba425f3599","_type":"glossaryPick","reference":{"_ref":"05f6786c-9e39-4f1b-9b78-4eb9b2623c01","_type":"reference"}},{"_key":"fafd2e21dbe2","_type":"glossaryPick","reference":{"_ref":"c1ebf065-a9a0-4501-b78b-4f8f534e09a7","_type":"reference"}}],"style":"normal"},{"_key":"0ab475c73058","_type":"block","children":[{"_key":"0d2480cbc0c7","_type":"span","marks":[],"text":"They're generally cheap and fast growing – the total value of ETFs globally topped $10.4 trillion in 2024.[1] And they're increasingly popular with beginners and pros alike."}],"markDefs":[],"style":"normal"},{"_key":"a6e369e3a60b","_type":"block","children":[{"_key":"0b348a449a79","_type":"span","marks":[],"text":""},{"_key":"195e516b7784","_type":"mainAnchor","pageAnchor":{"_ref":"094d1a3e-f7bf-4543-a216-e6804a5653f3","_type":"reference"}},{"_key":"e70f053ddfe5","_type":"span","marks":[],"text":"Are ETFs right for me?"}],"markDefs":[],"style":"h2"},{"_key":"dc3003b953c1","_type":"prosConsWidget","cons":["You want a professional fund manager to actively manage your money","You're confident in your ability to pick individual shares","You're chasing short-term gains or want high-risk, high-reward strategies"],"consTitle":"Bad if you","pros":["You’re new to investing and want something simple to start with","You’re cost-conscious and keen to keep investment fees low","You want to track the performance of a broad market or trend"],"prosTitle":"Good if you"},{"_key":"a6b6142f67a3","_type":"block","children":[{"_key":"9f4fef57d621","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b0821875a954","_type":"block","children":[{"_key":"237008b64779","_type":"span","marks":[],"text":""},{"_key":"9b0235f0f7c1","_type":"mainAnchor","pageAnchor":{"_ref":"a2748707-923a-4ba0-b66d-cbe3a285ea46","_type":"reference"}},{"_key":"966fd7cc4ecb","_type":"span","marks":[],"text":"The pros of investing in ETFs"}],"markDefs":[],"style":"h2"},{"_key":"2daceea74e1e","_type":"block","children":[{"_key":"0fb16cf8efb4","_type":"span","marks":[],"text":""},{"_key":"d509f53a14fc","_type":"mainAnchor","pageAnchor":{"_ref":"02838716-326d-4875-bd5e-a94679cff6f5","_type":"reference"}},{"_key":"e2a7d9e37c04","_type":"span","marks":[],"text":"✅ Diversification"}],"markDefs":[],"style":"h3"},{"_key":"0e130d474d07","_type":"block","children":[{"_key":"eb0ed54a42a6","_type":"span","marks":[],"text":"ETFs have become one of the most popular ways for UK investors to grow their money – and it’s easy to see why. One of the biggest benefits of ETFs is "},{"_key":"8a7e76909c4b","_type":"span","marks":["fa061852d70f"],"text":"diversification"},{"_key":"eca8b18c04b9","_type":"span","marks":[],"text":". By buying just one ETF, you can get exposure to a wide range of "},{"_key":"a76f549933d5","_type":"span","marks":["8e75e3f2711c"],"text":"assets"},{"_key":"d74ddbc7f81f","_type":"span","marks":[],"text":", such as "},{"_key":"0a2952cfb6b9","_type":"span","marks":["b316985c0945"],"text":"equities"},{"_key":"963011fa80f2","_type":"span","marks":[],"text":", "},{"_key":"495d085f0ea6","_type":"span","marks":["b622e5c67b29"],"text":"bonds"},{"_key":"9ef019ca7bd3","_type":"span","marks":[],"text":", or even specific sectors like technology or clean energy. This helps spread your risk, so you’re not overly reliant on the success of one company or region."}],"markDefs":[{"_key":"fa061852d70f","_type":"glossaryPick","reference":{"_ref":"4e600be7-9819-47d4-9ee6-de4019f8a10e","_type":"reference"}},{"_key":"8e75e3f2711c","_type":"glossaryPick","reference":{"_ref":"bbd21391-fb19-4ae7-9dd4-03e45b9ff515","_type":"reference"}},{"_key":"b316985c0945","_type":"glossaryPick","reference":{"_ref":"ffc3cd50-c9a6-4e8a-ae48-94a9f8ee2717","_type":"reference"}},{"_key":"b622e5c67b29","_type":"glossaryPick","reference":{"_ref":"ea467285-7d48-4093-b16e-76d3f8a95fc1","_type":"reference"}}],"style":"normal"},{"_key":"dd219d2cecbe","_type":"block","children":[{"_key":"0f730175fc32","_type":"span","marks":[],"text":""},{"_key":"a8f8ba6c722b","_type":"mainAnchor","pageAnchor":{"_ref":"b0ab7f9a-0fa8-4687-9b83-3ef5a0587973","_type":"reference"}},{"_key":"3c407d2db4e7","_type":"span","marks":[],"text":"✅ Low fees"}],"markDefs":[],"style":"h3"},{"_key":"a46b82ca88ed","_type":"block","children":[{"_key":"5d46b372571a","_type":"span","marks":[],"text":"Another key advantage is cost. Most ETFs are "},{"_key":"0b9b2b9e9dff","_type":"span","marks":["b8b50be98d3d"],"text":"passive"},{"_key":"8e8bd2189660","_type":"span","marks":[],"text":" investments, meaning they track a market index like the FTSE 100 or the S&P 500. Because there’s no "},{"_key":"3fb2be3b173c","_type":"span","marks":["2c913a83b466"],"text":"fund manager"},{"_key":"71d59e13e338","_type":"span","marks":[],"text":" picking stocks, fees are typically lower than actively managed funds. Lower costs mean more of your money stays invested and has the chance to grow over time. "},{"_key":"6c2c67071a58","_type":"span","marks":["856a5e29c1e0"],"text":"Actively managed "},{"_key":"cd0fe0297710","_type":"span","marks":[],"text":"ETFs do exist, but the majority available to UK investors are passive."}],"markDefs":[{"_key":"b8b50be98d3d","_type":"glossaryPick","reference":{"_ref":"c1ebf065-a9a0-4501-b78b-4f8f534e09a7","_type":"reference"}},{"_key":"856a5e29c1e0","_type":"glossaryPick","reference":{"_ref":"7842521c-6418-420e-9da3-e0906c64276b","_type":"reference"}},{"_key":"2c913a83b466","_type":"glossaryPick","reference":{"_ref":"52cb8779-f204-4e14-b5e9-c3bb3cf56993","_type":"reference"}}],"style":"normal"},{"_key":"3249e59424ed","_type":"block","children":[{"_key":"2c68ddd62deb","_type":"span","marks":[],"text":""},{"_key":"7f227bfb5410","_type":"mainAnchor","pageAnchor":{"_ref":"a4b43d5c-a5a5-4255-ae01-b959a3dd0ab9","_type":"reference"}},{"_key":"3062eaa63ad1","_type":"span","marks":[],"text":"✅ Easy to understand"}],"markDefs":[],"style":"h3"},{"_key":"37f50b1fc7f3","_type":"block","children":[{"_key":"d1204dacf593","_type":"span","marks":[],"text":"ETFs are also easy to buy and sell, since they’re traded on stock exchanges just like individual shares. You can invest through most major platforms or "},{"_key":"3a71dea0a54d","_type":"span","marks":["69cea6ea0437"],"text":"ISAs"},{"_key":"dc7b102e6944","_type":"span","marks":[],"text":" with a few clicks. Their transparency, simplicity, and low barrier to entry make them an ideal choice for beginner investors, those building a long-term portfolio, or anyone looking for a low-maintenance way to invest."}],"markDefs":[{"_key":"69cea6ea0437","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"},{"_key":"fba220811ee1","_type":"block","children":[{"_key":"251b3ab91b42","_type":"span","marks":[],"text":""},{"_key":"637f55890428","_type":"mainAnchor","pageAnchor":{"_ref":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"reference"}},{"_key":"394c78b910a7","_type":"span","marks":[],"text":"The cons of investing in ETFs"}],"markDefs":[],"style":"h2"},{"_key":"6fd746bca917","_type":"block","children":[{"_key":"c87d84ab8ed8","_type":"span","marks":[],"text":""},{"_key":"2a9231654e6b","_type":"mainAnchor","pageAnchor":{"_ref":"b0bf4eec-56c9-4216-a97b-9be7a3a35527","_type":"reference"}},{"_key":"37a31be65391","_type":"span","marks":[],"text":"❌ You can’t pick and choose"}],"markDefs":[],"style":"h3"},{"_key":"10435ab41deb","_type":"block","children":[{"_key":"db1c754fe0e3","_type":"span","marks":[],"text":"While ETFs are a great tool for many investors, they’re not without their downsides. One issue is lack of flexibility. Because ETFs typically track an index, you have no control over the individual companies included. If a sector you don’t support (like fossil fuels or tobacco) is heavily represented in a broad market ETF, there’s not much you can do about it. This can be a drawback for "},{"_key":"6c28ef491aaf","_type":"span","marks":["5aab59721fc3"],"text":"ethical"},{"_key":"370dd1259229","_type":"span","marks":[],"text":" investors who want to align their portfolio with their values."}],"markDefs":[{"_key":"5aab59721fc3","_type":"glossaryPick","reference":{"_ref":"5cb1800e-1555-43a2-83d8-bd1d19a586fe","_type":"reference"}}],"style":"normal"},{"_key":"7a60017a89b5","_type":"block","children":[{"_key":"6b38641ab2cc","_type":"span","marks":[],"text":""},{"_key":"bb505b264510","_type":"mainAnchor","pageAnchor":{"_ref":"cd10a6ae-7510-4135-8400-f12ba04fda3d","_type":"reference"}},{"_key":"7dd65ce281b4","_type":"span","marks":[],"text":"❌ Beware of owning too many"}],"markDefs":[],"style":"h3"},{"_key":"1728bd5cc2c2","_type":"block","children":[{"_key":"b1bfa84f2454","_type":"span","marks":[],"text":"Another thing to watch out for is over-diversification or “diworsification.” Some investors load up on lots of ETFs without realising there’s significant overlap between the "},{"_key":"e2c6c9e2e9bf","_type":"span","marks":["46e65d891c29"],"text":"underlying"},{"_key":"4b9bd5e1f275","_type":"span","marks":[],"text":" assets. For example, if you own a global ETF and a US-focused ETF, you might be doubling up on the same stocks. It’s important to understand what’s actually inside your ETFs to avoid unintended risk or redundancy."}],"markDefs":[{"_key":"46e65d891c29","_type":"glossaryPick","reference":{"_ref":"cb2d54a5-51bd-4510-96c6-badad138eff7","_type":"reference"}}],"style":"normal"},{"_key":"e3bd9ee6ecec","_type":"block","children":[{"_key":"14bac8b5c670","_type":"span","marks":[],"text":""},{"_key":"648c01633d9c","_type":"mainAnchor","pageAnchor":{"_ref":"34c4bdaa-bb71-424f-972c-c0de69e9f1df","_type":"reference"}},{"_key":"f41184660529","_type":"span","marks":[],"text":"❌ Still rise and fall with the market"}],"markDefs":[],"style":"h3"},{"_key":"e295c312435d","_type":"block","children":[{"_key":"ef70c1df0055","_type":"span","marks":[],"text":"Finally, while many ETFs are passive by design, that doesn’t mean they’re completely safe or immune to market crashes. If the market an ETF tracks drops, so will your investment. You’re accepting market returns – for better or worse. ETFs are a great foundation, but they’re not a silver bullet for investment success."}],"markDefs":[],"style":"normal"},{"_key":"95b1fcdbdfe9","_type":"block","children":[{"_key":"5f0da20db839","_type":"span","marks":[],"text":""},{"_key":"764983d86d97","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"81e7b973b1d5","_type":"span","marks":[],"text":"Top questions on ETFs"}],"markDefs":[],"style":"h2"},{"_key":"a181b5533fdb","_type":"block","children":[{"_key":"e98d4b06806c","_type":"span","marks":[],"text":""},{"_key":"a6126a3aa223","_type":"mainAnchor","pageAnchor":{"_ref":"9f5319b0-7128-4672-9d72-529aa7f21814","_type":"reference"}},{"_key":"64cb416ca8380","_type":"span","marks":[],"text":"How much do ETFs cost?"}],"markDefs":[],"style":"h3"},{"_key":"fc122a15382d","_type":"block","children":[{"_key":"7884beb22fb0","_type":"span","marks":[],"text":"ETFs trade on stock exchanges just like individual shares, which means you buy and sell them on online investment platforms. You will often be charged a commission on each buy or sell transaction."}],"markDefs":[],"style":"normal"},{"_key":"c502aabc7234","_type":"block","children":[{"_key":"dadf564d0a4b","_type":"span","marks":[],"text":"ETFs themselves usually have an annual "},{"_key":"1443cc198b51","_type":"span","marks":["89cfe4ee3312"],"text":"management fee"},{"_key":"0156aa55050c","_type":"span","marks":[],"text":", which is typically quite low - especially for large, well-known ETFs that track broad indices. However, more niche ETFs may charge slightly higher fees due to their specific focus. "}],"markDefs":[{"_key":"89cfe4ee3312","_type":"glossaryPick","reference":{"_ref":"639ead5f-b190-4b44-bc4f-805ab4d8fcf4","_type":"reference"}}],"style":"normal"},{"_key":"481a8c10a10d","_type":"block","children":[{"_key":"8658e29d1d86","_type":"span","marks":[],"text":"Another cost to consider is the "},{"_key":"253b1edbd313","_type":"span","marks":["7f92891a603e"],"text":"bid-ask spread"},{"_key":"8f784cbe584c","_type":"span","marks":[],"text":", which is the difference between the price at which a platform is willing to buy and sell the ETF – this is similar to a "},{"_key":"1ea37f15d05e","_type":"span","marks":["76b31858e487"],"text":"currency exchange"},{"_key":"45faed2a72af","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"7f92891a603e","_type":"glossaryPick","reference":{"_ref":"acfdf9ca-55f2-4ccd-8aee-3201a6153b7b","_type":"reference"}},{"_key":"76b31858e487","_type":"glossaryPick","reference":{"_ref":"c45b581e-8764-40ef-8780-ef02845ed5fc","_type":"reference"}}],"style":"normal"},{"_key":"7104cc654d2a","_type":"block","children":[{"_key":"a069bc4adb27","_type":"span","marks":[],"text":"In terms of "},{"_key":"2d94f54238dd","_type":"span","marks":["7648f8a791df"],"text":"transaction fees"},{"_key":"182bc4de1ace","_type":"span","marks":[],"text":", they will range from being free up to  £11.95 per trade depending on the platform you are investing on. If you’re making regular contributions to your ETF, these costs can add up over time, so it’s essential to keep an eye on fees - especially if you’re investing small amounts frequently."}],"markDefs":[{"_key":"7648f8a791df","_type":"glossaryPick","reference":{"_ref":"af4eb285-d6ee-484f-89ac-d776bbfcb0c5","_type":"reference"}}],"style":"normal"},{"_key":"6975d7bc829f","_type":"block","children":[{"_key":"2f25377ef185","_type":"span","marks":[],"text":""},{"_key":"743052052ddb","_type":"mainAnchor","pageAnchor":{"_ref":"043c4d3a-e208-4710-92d6-2a77330c0be0","_type":"reference"}},{"_key":"6348fbed8524","_type":"span","marks":[],"text":"Active vs passive ETFs"}],"markDefs":[],"style":"h3"},{"_key":"71cf2ab6ddd4","_type":"mainImage","asset":{"_ref":"image-7ca3e9317480168a1de35cfa1a4a9b3f6249f78e-1920x1080-png","_type":"reference"},"blankAltTag":true},{"_key":"397cdc9d2c24","_type":"block","children":[{"_key":"afae1c0135fa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ef4fc8c4ec3","_type":"block","children":[{"_key":"80803ed8ed2d","_type":"span","marks":[],"text":"The active vs passive debate is central to investing in ETFs. "}],"markDefs":[],"style":"normal"},{"_key":"fcc7ca1029b0","_type":"block","children":[{"_key":"d36caa331723","_type":"span","marks":[],"text":"A passive ETF tracks an index and aims to mirror its performance. This type of fund is cost-effective because there’s no need for an active fund manager to make investment decisions. While you won’t outperform the market, you’ll capture its returns at a low cost. Passive ETFs are great for investors who prefer a hands-off approach, and they provide broad exposure to various markets. However, you may end up owning companies or sectors that are underperforming."}],"markDefs":[],"style":"normal"},{"_key":"39b56cc28e27","_type":"block","children":[{"_key":"45bf65d5b435","_type":"span","marks":[],"text":"On the other hand, active ETFs involve fund managers selecting stocks with the goal of outperforming the index. These ETFs typically come with higher fees, as you're paying for the expertise of the manager. However, they could deliver higher returns if the manager makes smart picks. One thing to note: active managers often closely track the index to reduce risk, meaning their performance may not actually differ much from a passive strategy."}],"markDefs":[],"style":"normal"},{"_key":"3919761790f3","_type":"block","children":[{"_key":"6802e895452b","_type":"span","marks":[],"text":"If you're drawn to"},{"_key":"1222aa85e45a","_type":"span","marks":["df5690228e1c"],"text":" sustainable investing"},{"_key":"86b8927a6d8d","_type":"span","marks":[],"text":", active managers often have more flexibility to incorporate "},{"_key":"3487e95a3dc6","_type":"span","marks":["eae5e5481ca8"],"text":"environmental, social, and governance (ESG) "},{"_key":"8eba70cf1f85","_type":"span","marks":[],"text":"criteria into their investment decisions. So active ETFs may be a better option for investors who want to tailor their portfolios to specific values."}],"markDefs":[{"_key":"df5690228e1c","_type":"internalLinkPick","reference":{"_ref":"2635d13e-e79d-414d-80f5-86b565565227","_type":"reference"}},{"_key":"eae5e5481ca8","_type":"glossaryPick","reference":{"_ref":"a7d1841d-cfd3-4151-93ce-43daaf05f1e6","_type":"reference"}}],"style":"normal"},{"_key":"5626169115c5","_type":"block","children":[{"_key":"6d9656e55dae","_type":"span","marks":[],"text":""},{"_key":"9434f621ede7","_type":"mainAnchor","pageAnchor":{"_ref":"9d6b3b86-20cb-42ed-be57-39b5c31ebac1","_type":"reference"}},{"_key":"87fd1f0ee3300","_type":"span","marks":[],"text":"ETF market price vs NAV"}],"markDefs":[],"style":"h3"},{"_key":"df30e052414b","_type":"block","children":[{"_key":"6671df8b4f7a","_type":"span","marks":[],"text":"An important thing to understand when investing in ETFs is that their market price doesn’t always match their"},{"_key":"c70a6f382360","_type":"span","marks":["bc65bd6db096"],"text":" Net Asset Value (NAV)"},{"_key":"a651f663bd20","_type":"span","marks":[],"text":". "}],"markDefs":[{"_key":"bc65bd6db096","_type":"glossaryPick","reference":{"_ref":"fed61c02-3002-4768-9374-16377d6a555f","_type":"reference"}}],"style":"normal"},{"_key":"796eb49b3bd8","_type":"block","children":[{"_key":"fcf3345e3510","_type":"span","marks":[],"text":"ETFs trade on the stock exchange, so their prices are influenced by supply and demand – just like individual stocks. Ideally, the market price should reflect the NAV, but it doesn’t always happen. If there’s high demand for a particular ETF, its market price can trade at a premium (higher) to the NAV, and if there’s little interest, it can trade at a discount (lower)."}],"markDefs":[],"style":"normal"},{"_key":"01a9ae08d825","_type":"block","children":[{"_key":"05bfc6a06892","_type":"span","marks":[],"text":"This discrepancy is more common with niche or less "},{"_key":"dde4c707f5fd","_type":"span","marks":["6b0f00e2d964"],"text":"liquid"},{"_key":"74733ca41f02","_type":"span","marks":[],"text":" ETFs (such as real estate), as larger, more popular ETFs with high trading volumes tend to stay closer to their NAV. It's just something to watch out for, particularly if you’re investing in less-established sectors or thematic ETFs."}],"markDefs":[{"_key":"6b0f00e2d964","_type":"glossaryPick","reference":{"_ref":"695ac26e-f82d-442b-842b-88d99f69cd38","_type":"reference"}}],"style":"normal"},{"_key":"0ee2fe4427aa","_type":"block","children":[{"_key":"fd91f9506b31","_type":"span","marks":[],"text":""},{"_key":"1c4d3da0a2d3","_type":"mainAnchor","pageAnchor":{"_ref":"33d7a3c3-9d61-4c73-a2f7-c973a32550ec","_type":"reference"}},{"_key":"05068f1158a6","_type":"span","marks":[],"text":"What's the difference between ETFs, ETCs, and ETNs?"}],"markDefs":[],"style":"h3"},{"_key":"48b4b698e98f","_type":"block","children":[{"_key":"c0296ae51b8f","_type":"span","marks":[],"text":"You may see different acronyms that are associated with the better-known acronym ETF. While ETFs are the most prevalent type of exchange-traded investment, they constitute one segment within the broader Exchange-Traded Products (ETPs) category. The key difference between these vehicles is in their structure and risk profile, with ETFs generally having the lowest risk (as they own the assets), and ETNs having the highest risk (as they're debt instruments dependent on the issuer's creditworthiness)."}],"markDefs":[],"style":"normal"},{"_key":"012f2bc4cd37","_type":"block","children":[{"_key":"4eae172b1e78","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e52d2023a247","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"c8068b830d40","_type":"block","children":[{"_key":"1229b85f0a2f","_type":"span","marks":["strong"],"text":"ETP (Exchange-Traded Product)"},{"_key":"08a2130944e7","_type":"span","marks":[],"text":" - The umbrella term that encompasses all these investment vehicles. 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Each month, we go straight to the source - top UK platforms like AJ Bell, Fidelity, Hargreaves Lansdown and interactive investor - to find out which ETFs are trending."}],"markDefs":[],"style":"normal"},{"_key":"32f226649c67","_type":"block","children":[{"_key":"f10106dc09d9","_type":"span","marks":[],"text":"Whether you're after inspiration, reassurance, or just a nosey peek at the crowd favourites, our regularly updated list reveals which ETFs are winning the popularity contest. Click below to see the latest chart-toppers and discover the ETFs investors are backing this month."}],"markDefs":[],"style":"normal"},{"_key":"c38e88e7be08","_type":"block","children":[{"_key":"51f495d30d43","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"8b7dea2bda41","_type":"block","children":[{"_key":"39be579df116","_type":"span","marks":["strong"],"text":"Best-selling funds, Investment Trusts and ETFs of the month"}],"markDefs":[],"style":"normal"}],"_key":"a75da29311c2","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"aadcd51e-3d7b-47ae-94da-4226f4f25ea8","_type":"reference"},"text":"CLICK HERE"},{"_key":"ae1f95cedf49","_type":"block","children":[{"_key":"d713808ae15c","_type":"span","marks":[],"text":""},{"_key":"f72f60c0983b","_type":"mainAnchor","pageAnchor":{"_ref":"34b1353a-e3e4-4949-a55d-dde0ba144f90","_type":"reference"}},{"_key":"4fec03eb05d3","_type":"span","marks":[],"text":"Key takeaways on ETFs"}],"markDefs":[],"style":"h2"},{"_key":"198ddfc75049","_type":"block","children":[{"_key":"218f107231d4","_type":"span","marks":[],"text":"💰 Easy diversification at low cost"}],"markDefs":[],"style":"h3"},{"_key":"286377f939d8","_type":"block","children":[{"_key":"a2f9c6206de3","_type":"span","marks":[],"text":"ETFs are a simple way to diversify your portfolio without having to pick individual stocks. They offer broad market exposure (e.g., global or sector-specific indices) usually at a lower cost to actively managed funds, making them ideal for beginner investors looking to build a low-maintenance portfolio."}],"markDefs":[],"style":"normal"},{"_key":"02935918ca93","_type":"block","children":[{"_key":"04d0ba4ed0c9","_type":"span","marks":[],"text":"💭 Choose between active and passive "}],"markDefs":[],"style":"h3"},{"_key":"624b809b0419","_type":"block","children":[{"_key":"bb32e5b61ec7","_type":"span","marks":[],"text":"Deciding whether to invest in passive or active ETFs depends on your investment goals. Passive ETFs track a market index and typically have lower fees, while active ETFs are managed by professionals aiming to beat the market. For most beginners, passive ETFs are a great starting point, offering stable, long-term growth potential."}],"markDefs":[],"style":"normal"},{"_key":"47c617dae2b6","_type":"block","children":[{"_key":"2d483787d393","_type":"span","marks":[],"text":"📈 Understand costs and trading dynamics"}],"markDefs":[],"style":"h3"},{"_key":"505ff6ddcfd1","_type":"block","children":[{"_key":"ad2c6e092fd5","_type":"span","marks":[],"text":"While ETFs generally have low fees, it's essential to understand all the costs involved, such as commission fees and the bid-ask spread. ETFs trade like stocks, meaning you can buy or sell anytime during market hours. 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Compare investment platforms, ISAs, and pensions through objective reviews and user ratings to find the perfect home for your money. Cut through the financial noise with expert guidance that empowers you to make smarter investment decisions without the confusing terminology that often surrounds personal finance.","enableGatedContent":true,"excerpt":[{"_key":"98dd0dbb9d5a","_type":"block","children":[{"_key":"bd51787a25a9","_type":"span","marks":[],"text":"Discover how Exchange-Traded Funds (ETFs) work in our beginner-friendly guide. Learn about diversification benefits, low costs, trading basics, and how to choose the right ETFs for your investment goals in 2025."}],"markDefs":[],"style":"normal"}],"gateStyle":"Original - Faded","gatedContentBody":[{"_key":"ee8cf9beea42","_type":"block","children":[{"_key":"403559427f68","_type":"span","marks":[],"text":"ETFs (Exchange-Traded Funds) have exploded in popularity, with global values exceeding $10.4 trillion in 2024. These ready-made investment bundles trade like shares but contain many assets – like getting the entire Top 40 chart in one purchase."}],"markDefs":[],"style":"normal"},{"_key":"100942ec38ca","_type":"block","children":[{"_key":"f15eee7cb8ae","_type":"span","marks":[],"text":"Why Investors Love ETFs"}],"markDefs":[],"style":"h2"},{"_key":"3e9823a4b3f7","_type":"block","children":[{"_key":"6c4b7e0f635b","_type":"span","marks":[],"text":"ETFs offer instant diversification across companies, sectors, or themes while keeping costs low. 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Look beyond headline rates to check trading fees, fund charges within investments, foreign exchange fees on international holdings, and any inactivity or admin fees. Best Buy Award winners are transparent about fees, but always read the full fee schedule. Calculate your total annual cost based on your expected trading pattern and portfolio size."}],"markDefs":[],"style":"normal"},{"_key":"e1700e9aa64b","_type":"block","children":[{"_key":"77ce9e775d3f","_type":"span","marks":[],"text":"What's the difference between platform fees and investment costs?"}],"markDefs":[],"style":"h3"},{"_key":"7119cfb07636","_type":"block","children":[{"_key":"2c04fb329a33","_type":"span","marks":[],"text":"Platform fees are what you pay the ISA provider for holding your investments (typically 0-0.45% annually or fixed monthly fees). Investment costs are ongoing charges within the funds, ETFs or shares you hold (typically 0.05-1.5% annually). Total cost combines both. Some cheap platforms have low platform fees but limited investment choices with higher costs. Best Buy winners offer competitive total costs, including both elements."}],"markDefs":[],"style":"normal"},{"_key":"d36b0e1af76e","_type":"block","children":[{"_key":"5e2dca6a9888","_type":"span","marks":[],"text":"Can I transfer my ISA to a cheaper provider?"}],"markDefs":[],"style":"h3"},{"_key":"99d6e9c66255","_type":"block","children":[{"_key":"76f5726a7a55","_type":"span","marks":[],"text":"Yes, you can transfer your ISA to a cheaper provider while keeping tax-free benefits. Contact the new provider who'll handle the transfer - never withdraw and reinvest as you'll lose ISA tax benefits. Transfers typically take 2-6 weeks. Check for exit fees at your current provider and whether your investments are available at the new provider. 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While many modern platforms have eliminated exit fees altogether, some legacy providers may still charge them."}],"markDefs":[],"style":"normal"},{"_key":"0fabcc5542df","_type":"block","children":[{"_key":"9ff417d5cca3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f16eb7172b0d","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Example: If you withdraw £5,000 from a fund with a 2% exit fee, you’ll lose £100 in charges."},"text":[{"_key":"c3acedb4c90f","_type":"block","children":[{"_key":"c5c2b6dfa9d2","_type":"span","marks":["strong"],"text":"Example:"},{"_key":"0899a9ed26df","_type":"span","marks":[],"text":" If you withdraw £5,000 from a fund with a 2% exit fee, you’ll lose £100 in charges."}],"markDefs":[],"style":"normal"}]},{"_key":"9efef8af0b6c","_type":"block","children":[{"_key":"c6c2a62300060","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a5860fbfedb8","_type":"block","children":[{"_key":"6047140c61d3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c4b6402b7e5e","_type":"block","children":[{"_key":"7b76181ba76f0","_type":"span","marks":[],"text":"Always review the Ts & Cs of a platform before investing. 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