Why investing matters
Investing helps you to grow your wealth over time. Typically, you’ll see greater returns when you invest for 3 years or more compared to keeping your money in a savings account. So, you could reach your goals sooner.
We understand that starting your investing journey can feel difficult. There’s a lot of choice and a lot of noise. But it’s simpler than you think and you don’t need to be wealthy or experienced to take the next step.
That's where we come in. We’ve joined the invest for the future campaign to help more people start investing with confidence. Work your money harder today.
Investing beats savings in the long term
If you had £10,000 cash in 2005
£74,000
Worth today
Invested globally
£4,100
Worth today
Saved in bank account
Note: Cash returns represented by the UK Sterling Overnight Index Average benchmark (SONIA). SONIA reflects the average rate of interest banks pay to borrow overnight. Global shares represented by the FTSE All-World Index with dividends reinvested. Inflation represented by the UK Retail Price Index (RPI). Past performance is not a reliable indicator of future results. The performance of an index is not an exact representation of any particular investment, as you cannot invest directly in an index.
Source: Factset, Vanguard calculations based on period 31 December 2004 to 31 December 2025.
Why choose a Stocks and Shares ISA
Make your savings work harder by opening an account that allows you to invest in the stock market and save on tax.
Tax-free returns
You won’t be taxed on the returns from your ISA. This is different to other investment accounts and means your money goes further.
£20,000 allowance
To encourage smart financial habits, you can pay up to £20,000 total into your ISA accounts every tax year.
Withdraw for free
You can access your money whenever you need it. We don’t charge any exit or withdrawal fees.
Our range of Stocks and Shares ISAs
Choose the level of control and support that’s right for your investment goals.
Choose your own funds
Self-managed ISA
Take control from the start by choosing the funds you want to invest in from our range of over 85.
Look after your own investments and make changes whenever you like.
Invest ready-made
Self-managed ISA
Keep things simple by choosing 1 of our leading ready-made funds, including LifeStrategy.
Contribute to your investments anytime, at your own pace.
Let us do it for you
Managed ISA
Our experts choose your investments based on a few things you tell us about your goals and risk appetite.
We’ll look after your investments and update you on their performance.
Planning for life after work?
If you’re thinking about your retirement, investing in the stock market might help you reach your goals. Choose to be as hands-on or hands-off as you like, and change your mind at any time.