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Is investing right for you

Planning for the future often means finding a balance between savings and investments

Save

  • Savings should always be your starting point - they earn interest and tend to be best if you have a short term goal in mind or need easy access to some of your money.

  • Even if you're considering investing you should always have sufficient money left in savings to provide a balanced portfolio and to have money available for any short term expenses.

  • The capital value of savings won’t reduce over any time period, however inflation may reduce the real value of your savings over time.

Invest

  • Investments offer the potential for a greater return on your money than savings accounts but no investment is totally risk free.

  • Investments are made in assets including cash, bonds and shares. Each of these will have a different amount of risk; for example the value of shares may decline or a bond issuer may default. The degree of risk and likely level of return will vary depending on how you invest your money. 

  • Investments should be held for the medium to long term, typically 5 years or more, (unless there is a fixed term that applies) which can help to minimise the impact of varying types of risk. 

If you’d like further information on whether investing is right for you, take a look at our Guide to investing. It will help you explore your needs, goals and investment objectives and your understanding of investment risk.

It is important to make sure your finances are in shape before investing, there are a few things you need to consider:

  • If you have any outstanding debts, have you considered repaying these first before investing?

  • How much do you want to put away and how long for, taking into account any existing commitments or planned expenses?

  • Do you have savings that you’ve not touched for a long time?

  • Do you have enough instant access savings to cover emergencies?

  • Have you protected yourself and your family against unforeseen events?

  • Do you have a particular goal you want to invest for?

  • Do you make the most of your tax allowances?

  • How much risk are you willing and able to take? 

You should also consider the basics of investing:
 

  • Do you understand that you should be looking to invest for 5 years or more, with the aim of minimising the short-term fluctuations in the market?

  • Do you understand that the value of investments can go down as well as up, and different types of investment fluctuate by different amounts and at different times?

  • Do you understand that you shouldn’t rely on past performance when deciding whether to buy or sell an investment as this is not a reliable guide to what might happen in the future?

  • Could you cope if in future your investments were worth less than you originally invested?

  • Do you understand why it is important to spread your money across a number of investments to mitigate against loss in one particular area of the market?

  • Do you understand the tax treatment and charges associated with investments?

If you’d like further information on whether investing is right for you, take a look at our Guide to investing. It will help you explore your needs, goals and investment objectives and your understanding of investment risk.

Whatever your goals, investing for the longer term offers the potential for greater rewards.  You can;

  • Take advantage of tax benefits - Investing in a stocks and shares ISA means any returns are tax efficient. The favourable tax treatment of ISAs may change in the future.

  • Help beat inflation - Money can lose some of its buying power over the long term. Interest rates on instant access savings often don't keep pace with inflation, you may wish to consider investing to potentially reduce the long term impact of inflation.

  • Invest for the future - Investing for five years or more, has the potential to grow your money faster than the interest you'd earn from savings in the bank. Please remember that the value of investments can go down as well as up. And that bank and building society savings accounts are different from investments because your money is readily accessible, and capital and interest once earned, are guaranteed.

  • Pay in a lump sum to provide a regular income - Some kinds of investments are designed to provide regular income payments.

If you’d like further information on whether investing is right for you, take a look at our Guide to investing. It will help you explore your needs, goals and investment objectives and your understanding of investment risk.
 

Whatever stage of life you’ve reached and whatever plans you may have for the future, identifying what priorities are most important to you, can help achieve your long term financial goals, for example:

  • Funding private school or university.

  • Helping a child or grandchild with their first car, a wedding or their deposit on a home.

  • Providing additional income in retirement to supplement pension income.

  • Investing an inherited lump sum.

Investing offers a way to achieve your long term financial goals but no investment is totally risk free and the value of investments can go down as well as up, please see the other considerations before investing.

If you’d like further information on whether investing is right for you, take a look at our Guide to investing. It will help you explore your needs, goals and investment objectives and your understanding of investment risk.
 

Through Santander you can choose to make your own investment decisions or to seek advice.

Investing without advice
Our Investment Hub offers an online service with a wide range of investment fund options to meet your needs.
  • You can decide what you want to invest in, without receiving financial advice.

  • You can invest as little as £20 per month, or a £100 lump sum.

  • Puts you in control, allowing you to manage your investments online.

If you wish to find out more about making your own investment decision please see information about investing yourself.

No financial advice is provided with this option and you’ll need to make your own investment decisions. If you’re unsure, take a look at our Financial Planning Service.

Looking for advice
You could use our Financial Planning Service if you’re looking to invest over the medium to long term, typically for at least 5 years or more and have:
  • at least £50,000 to invest, or

  • have a minimum of £25,000 to invest which, in addition to existing Santander investments, will result in at least £50,000 invested.

 If you wish to find out more about investing with Santander please see information about our Financial Planning Service.

 If you’d like further information on whether investing is right for you, take a look at our Guide to investing. It will help you explore your needs, goals and investment objectives and your understanding of investment risk.

The value of 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.

 

Important information
Investments should be held for the medium to long term, typically for at least 5 years or more (unless there is a fixed term that applies).

Frequently Asked Questions

  • Once you have registered for the Investment Hub, we’ll send log on details to your registered email address. Once you receive these you’ll be able to log straight on to the Investment Hub. Then from there if you are;

     

    An existing Santander Customer with Online Banking credentials
    Within 24 hours of registering, the Investment Hub will be on your list of Santander accounts.
    When you click on the Investment Hub link it will open in a new window, and keep your Online Banking page open, until you sign out of either page.

     

    New to Santander
    Your Investment Hub registration will generate your Santander Online Banking credentials, which you will receive in the post within 10 working days.
    In the meantime you’ll be able to use the username and password issued to you when you registered for the Investment Hub.

  • You can view your total investment holding on Santander Online Banking and further details of the investments you hold in your Investment Hub. This will reflect the latest prices we have for the different investments you hold. 

     

    Twice a year we’ll issue a statement showing the value of your investment. It’ll also include details of any money that you’ve paid in or taken out during the statement period. 

  • You can pay in a lump sum or make regular monthly payments.
    Lump sum payments:

    • The minimum is £100 per fund.

    • There is no maximum amount. 

     

    Regular payments:

    • The minimum is £20 per month, paid by Direct Debit.

    • There is no maximum amount. 

     

    You can choose to make your regular payments on any day of the month from 1st to 28th inclusive and you can stop or change your regular payments, including amounts and dates, at any time. You can’t set up regular payments into a Structured Investment.

     

    Please note if you are investing into a Stocks and Shares ISA on the Investment Hub you can only invest up to the ISA limit for the current tax year. 

  • Yes. Each account you hold on the Investment Hub must have at least £100 worth of investments and cash in it. This means that if you want to withdraw partial amounts from an account, you must keep at least £100 invested. Any money removed from an ISA will lose its tax efficient status.

  • There is a fee for using the Investment Hub, this is called the Platform Service Fee (payable to Santander ISA Managers Limited ) for administering and servicing your account. This fee is based on the total value of funds you hold through us, so the more you invest through us, the lower the percentage fee you pay.
    If you invest in a Structured Investment there is a one-off Platform Service Fee, which is taken within three days prior to the commencement date of the investment.

     

    For Investment Funds there is a charge (known as the annual management charge) taken by the respective Fund Provider to cover the management of your chosen Fund.  In addition there will be other costs associated with the running of the fund. The total estimate of both of these costs is known as the Ongoing Charge Figure (OCF), an industry standard measure which helps you compare charges on funds, and is displayed and explained on a Fund’s Key Investor Information Document (KIID). 

     

    For the details of the charges, please read the Santander Investment Hub – Key Features Document, and for details of the Platform Service Fee, please read the Santander Investments Hub - Fees, Charges & Interest rates leaflet

  • Yes, you can invest by moving in investments you hold with other providers (this is known as re-registration). 
    The advantage of this is that you don’t need to sell the investments you hold for cash, which might result in additional costs and tax implications for you.

     

    However you should check a number of important things first before you consider this:

    • Will your current provider charge you to re-register with us?
      We won’t charge you for this.
       

    • Is this investment available to hold on the Investment Hub?
      Please contact us on 0800 328 1328 to check this. If the Hub doesn’t offer your investment, we can’t accept it. 
       

    • Are the charges you pay less in the Investment Hub?
      You should check if you’ll be better off by moving into the Investment Hub. This may depend on the value of the funds you are moving into the Investment Hub.

  • Yes, any money you’ve saved in previous tax years in another ISA can be transferred into our Stocks and Shares ISA, subject to your current provider’s terms and conditions. This doesn’t count towards this tax year’s ISA limit.
    You can also transfer all of the money you’ve paid in during the current tax year, which does count towards this tax year’s ISA limit. Please note that the transfer must be completed before you make a contribution to our Stocks and Shares ISA.

     

    However you should check a number of important things first before you consider this:

    • Will your current provider charge you to transfer to us?
      We won’t charge you for this.

    Please note that if the markets move before the transfer is complete, or while your money is held as cash, then you may not benefit from growth that you might have experienced had you not transferred your ISA.

     

    • Are the charges you pay less in the Investment Hub?
      You should check if you’ll be better off by moving into the Investment Hub. This may depend on the value of the funds you are moving into the Investment Hub.

     

    If you remove any cash from your ISA without making the proper arrangements to transfer, you’ll lose the tax-efficient status of that money. 

     

    Please note: If you’re transferring money you paid in to an ISA with flexible features in the current tax year you must transfer all of it. Your existing ISA provider will tell Santander how much of your ISA allowance you have left.

Important information
Investments should be held for the medium to long term, typically for at least 5 years or more (unless there is a fixed term that applies).

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