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Investments

Investment Overview

Equity based investments do not afford the same capital security as a deposit account.

The levels, bases and reliefs from taxation are subject to the individual circumstances of the investor and may be subject to change.

An ISA is a medium to long term investment, which aims to increase the value of the money you invest for growth or income or both. The value of your investments and any income from them can fall as well as rise. You may not get back the amount you invested

Taxation is not regulated by the Financial Conduct Authority.

This at-a-glance guide is designed to give you a quick snapshot of a range of different investment vehicles available.

Deposits may be held in:

  1. Commercial banks
  2. Building societies
  3. ISAs


National Savings and Investments have a number of different instruments*:

  1. Premium Bonds
  2. Income Bonds
  3. Investment account

Asset-backed investments can be held in:

  1. Shares
  2. Issued by companies to raise money
  3. Dividends related to profitability (taxable if exceed Dividend Allowance)
  4. Potential Capital Gains Tax on realised gains when shares sold
  5.  
  6. Gilt-edged Securities
  7. Government guaranteed
  8. Fixed rate of interest or coupon
  9. Interest liable for tax (unless covered by allowances such as Personal Savings Allowance)
  10. Full nominal value repaid at redemption date
  11. Some Gilts index linked
  12. No Capital Gains Tax on Gilts
  13.  
  14. Unit trusts
  15. Investors’ money pooled to form large funds
  16. Medium to long-term investments in stocks and shares and other asset types
  17. Broad spread for greater security
  18. Professional fund management
  19. Units priced on the basis of the value of the underlying investments
  20. Income distributed or re-invested
  21. Income liable for tax (unless covered by allowances such as Personal Savings Allowance or Dividend Allowance)
  22. Potential for Capital Gains Tax

  1. Cash ISA
  2. The overall limit for investment in ISAs in 2025/2026 is £20,000 and the whole amount can be placed in a Cash ISA if required. It’s possible to transfer Stocks and Shares ISAs into a Cash ISA and vice versa.

  4. Stocks and Shares ISA
  5. In 2025/2026, you can invest the full £20,000 ISA allowance into a Stocks and Shares ISA if you wish. Investors do not pay any personal tax on income or gains.

  1. Open ended investment companies (OEICs) or unit trusts 
  2. Pooled investments run by limited companies
  3. Medium to long term investments
  4. Professionally managed
  5. Single pricing based on the net asset value
  6. Charges expressed separately
  7. The funds are 'open-ended' 
  8.  
  9. Investment bonds
  10. Single premium (i.e. lump sum investment)
  11. Non qualifying life assurance policy
  12. Medium to long-term investments
  13. With profit or unit-linked
  14. Withdrawals possible
  15. No personal liability for basic rate Income Tax or Capital Gains Tax (assuming a UK bond)
  16. Withdrawals may trigger a liability to higher rates of tax or personal allowance
  17.