Planning for your future means finding a balance between saving and investing

Explore the stories below to see different approaches to saving and investing.

Please remember the value of your investments and any income from them can go down as well as up and you may get back less than the full amount you invest. When you invest you should be prepared to have your money invested for the medium to long term, typically at least 5 years.

These stories are for illustrative purposes only and are not intended to provide financial advice.

Investing in retirement
Karen's Story
Starting to plan for the future
Ed's Story
Investing a lump sum from a cash ISA
Sarah's Story

These articles can help you understand if investing is the right thing for you.

The changing nature of investing
Inflation – nibbling away at your savings nest egg

Estimate how your investments could perform using our calculator below.

The total amount invested over 5 years is:

£0,000

Please enter a number between 5 - 35 years.

Term:

Minimum 5 years

Enter a whole number

Please add an amount between £100 - £1,000,000 or enter zero.

Please add an amount between £100 - £1,000,000

Lump sum:

Minimum £100 (a value of zero is allowed if you opt for a regular monthly payment)

Please add an amount between £20 - £10,000 or enter zero.

Please add an amount between £20 - £10,000.

Monthly payment:

Minimum £20 (a value of zero is allowed if you opt for a lump sum only investment)

What could your investments be worth:

If they grow by 1.5% per year:

£0,000

If they grow by 4.5% per year:

£0,000

If they grow by 7.5% per year:

£0,000

These calculations are for illustration purposes and are not guaranteed.

The total charges assumed in the calculations above are 1.22% per year.

We have assumed average total charges of 1.22% per year within the calculator.  This is made up of the Investment Hub Platform Service Fee at its maximum level of 0.35% per year, plus an assumed total fund charge of 0.87% per year. This is the average fund charge for a Santander Asset Management (UK) Fund. It is important to check the actual charges for an individual fund as well as the Platform Service Fee that applies to your level of investment. There is a reduction in the Platform Service Fee when the value of your investments are above £50,000. 

We have assumed monthly payments are received in advance.

This calculator does not take into account any potential tax that may be payable on the returns you receive and does not provide any advice. If you are unsure what level of returns you would need, you should speak to a financial adviser, before making any decisions.

Important Information

Please remember the value of your investments and any income from them can go down as well as up and you may get back less than the full amount you invest. When you invest you should be prepared to have your money invested for the medium to long term, typically at least 5 years.

With traditional savings your capital will grow when interest is added, however over time the real value will be affected by inflation. With investments, your capital isn’t guaranteed to grow, however they have more potential to balance the effects of inflation.

The tax treatment of your savings and investments, including the favourable tax treatment of ISAs, may be subject to change in the future and depends on your individual circumstances.