Posted by on Oct 18, 2011 in INVESTMENT | 0 comments

Investing is proving increasingly popular especially as no-one can earn much on their savings with interest rates so low.

Choosing the right investment can be difficult.  And you need to be careful about the risks you’re taking especially if you’re saving for an important situation like school or university fees.

Where do I start?

We have simple, helpful guides to walk you through a range of investment choices so that you can avoid unpleasant surprises.  The best place to start is with a tax-efficient Isa.

This year you can put a maximum of £10,680 into a stocks and shares Isa or split it by putting up to half (£5,340) into a cash Isa.

We also explain how the risk pyramid works – the higher you go, the more risk you take.

It starts with ultra-safe savings accounts and National Savings & Investments, goes through corporate bonds and funds to more adventurous investments in company shares on the stock market and hedge funds.

There are literally thousands of options available to you.   A specialised, qualified adviser can help you come to a decision.  You can contact an advisor for free investment advice by filling out the form below.

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National Savings and Investments

Posted by on Oct 18, 2011 in INVESTMENT | 0 comments

NS&I (National Savings and Investments) is one of the largest savings organisations in the UK, with over 26 million customers and more than £100 billion invested. We are best known for Premium Bonds, but also offer a range of other savings and investments to suit different people’s needs, including our Direct Saver and Children’s Bonus Bonds. All products offer 100% security, because NS&I is backed by HM Treasury.

NS&I is an Executive Agency of the Chancellor of the Exchequer.

As an ongoing measure of our customer service, we had, since 1997, held Charter Mark accreditation – an independent award for service quality within the public sector. In 2009, Charter Mark was replaced by a new Customer Service Excellence Standard, which we achieved at the first assessment. We were successfully re-accredited in 2010. Our UK Contact Centres have also achieved accreditation and awards from the Customer Contact Association, for demonstrating high levels of service.

In January 2009, NS&I retained ISO14001 accreditation, first achieved in 2007 and a firm indicator of our commitment to delivering a sustainable business. NS&I has also achieved IIP (Investor in People) accreditation for the 10th year running.

In the Moneywise Customer Service Awards 2011, NS&I won the award of Most trusted Cash ISA provider.


Why save with us

Who we are

In 1861, the Palmerston government set up the Post Office Savings Bank – a simple savings scheme aiming to encourage ordinary wage earners to “provide for themselves against adversity and ill health”. We separated from the Post Office in 1969, becoming National Savings. In 1996, we became an Executive Agency of the Chancellor of the Exchequer. NS&I (National Savings and Investments) is now one of the largest savings organisations in the UK, with over 26 million customers and almost £100 billion invested.

A range of 100% secure investments

We offer a range of savings and investments to suit different people at different stages of their life. All the money you save or invest with NS&I will be 100% secure, as we are backed by HM Treasury – there is no overall limit on how much is guaranteed. You can see the full range on this website or call us if you have any questions or want our brochures. Our UK customer service team is here to help you every day from 7am till midnight.


Tax-free means that interest is exempt from UK Income Tax and Capital Gains Tax.

AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once each year.

Gross is the taxable rate of interest without the deduction of UK Income Tax.

Net is the rate of interest payable after the deduction of UK Income Tax at the rate specified by law (currently 20%).

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Investment Guide

Posted by on Oct 18, 2011 in INVESTMENT | 0 comments is aimed at expert and beginner alike. It includes an informative guide and advice on financial planning with emphasis on keeping your tax bill down plus unbiased information on over 100 different types of savings and investments.

See what readers have said about:

Can I just say that this web site has to be the most informative that I have found so far concerning finance. Well done. The format is brilliant and the follow up information accurate. It beats wading through articles and books to find the specific information I want. Thanks. C.D. UK

I’ve enjoyed reading some of the investment information and have found it very useful. The articles on personal taxation are of obvious interest and the advice on the available tax free saving schemes is invaluable. J.H. UK

©1996 to 2011. All information is copyright of Wisebuy Publications. Pages may be downloaded for personal use only. Any downloading for business or institutional use may be liable to a royalty. All quotations must cite the source as

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Money Advise Savings investments

Posted by on Oct 18, 2011 in INVESTMENT | 0 comments

Savings & investments

Whether you’re saving for the short term or investing for the long term we explain what’s available and what you need to think about when deciding which to choose.

New to investing?

All investments carry risks, but putting your money in a range of different investments can help reduce the loss should one or more of them fall in value.



This section explains about different types of investment, how they work, and some things you should think about before buying them.

When investing, you take risks to increase your chance of getting higher returns on your money, especially over the longer term (usually ten years or more). This section will explain some of the most common types of investments, how they work and what you need to think about before choosing one or more. Most investments are available to those over 18, but always check with the provider before you buy, as some may be specific to certain age groups.

What are investments?

There are different types of investment. Each has its own level of risk but, basically, you take a risk with your money by investing in assets that could rise or fall in value. There is generally no guarantee you will make money or even that you will get back the same amount you invested in the first place. Investments are different from savings – they are typically designed for the longer term and involve different types of risk.

Before investing, it’s usually a good idea to have sorted out your debts, made sure you’ve looked at protecting yourself against unforeseen events (see Insurance), built up some savings and arranged your pension (see Pensions – your pension is also an investment).

And, once you start investing, it’s highly advisable to spread your risk – see Diversification.

How you’re protected

By law, most financial services firms must be regulated by the Financial Services Authority (FSA), the UK’s financial services regulator, before they can do business in the UK. The FSA holds a Register of all authorised firms currently doing business in the UK as well as those authorised in another European Economic Area (EEA) state. Always check that the firm you’re dealing with is on the FSA Register, see Using the FSA Register. This means that you will be able to use the complaints and compensation procedures if something goes wrong.

Other sources of information

Many organisations provide general information about investments. See Related links for links to their websites.

  • ‘Introducing investment’ – a booklet from the Investment Management Association (IMA).
  • Investment factsheets and brochures – factsheets covering different aspects of investing in unit trusts and open-ended investment companies (OEICs) from the Investment Management Association (IMA).
  • An online guide to investment companies – from the Association of Investment Companies.
  • Private investor area – online information at the London Stock Exchange.
  • ‘About share dealing’ – online information from the Association of Private Client and Investment Managers (APCIMS).
  • Information on starting and running an investment club – from Proshare.

Or you may wish to seek professional advice from a financial adviser, fund or investment manager or stockbroker – see Related links.

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UKTI investment in UK

Posted by on Oct 18, 2011 in INVESTMENT | 0 comments

“Tech City is key to Britain’s high-tech future. UKTI is committed to bringing innovative investment to East London, and to every part of the UK.”


Why the UK?

The UK provides an unrivalled and highly cost effective environment for global companies to thrive.

It is a recognised leader in the fields of creativity and innovation, and is the sixth largest economy in the world, with a GDP of US $2,174 billion. The World Bank report ‘Doing Business 2011’ states that the UK is the best place to do business in the EU and the G8, and the UK topped the Ernst & Young European Attractiveness Survey 2011 as the most attractive destination for FDI.

Setting up in the UK

The UK is the easiest place to set up and run a business in Europe (World Bank: ‘Doing Business 2011). It ranks first in Europe and fourth in the world for ease of doing business.

“We chose London specifically because of its excellent infrastructure, the ease of setting up and operating a business, the access to highly skilled staff and the ability to find partner companies”

Ravi Kumar, Zanec

UK Tax and regulatory environment

The UK is an internationally competitive location for tax. Advantages include one of the lowest main corporate tax rates in the EU, generous tax allowances and competitive personal rates, the most extensive network of double taxation treaties in the world and low social welfare contributions.

The UK is joint first with the USA in the world for Product Market Regulation (PMR). It has the least barriers to entrepreneurship in the world and has the third fewest barriers to trade and investment in the world.

Springboard UK

The UK is the number one gateway to Europe, giving easy access to the 27 member states of the European Union, the world’s largest single market. It offers world-class transport links – with Heathrow’s new Terminal 5 , and more expansion planned for international airports, sea containers and the rail network.

“London is an energy capital, an unequalled business and financial centre, and a global transportation hub”

Ma Weihua, President, China Merchant Bank

UK labour market

The UK’s labour market is one of the worlds’ most flexible. This factor combined with its strong skills base in the UK is reflected in its excellent record of attracting major foreign investors from all over the world.

Innovation, research and creativity in the UK

The UK is one of the world’s leading locations for commercial and academic R&D and creative industries such as film and TV production and computer gaming. With world-class universities and research institutes involved in undertaking leading-edge R&D in all business sectors, many leading companies have already made considerable investments in R&D activities across the UK.

Quality of life in the UK

UK residents enjoy a high standard of living, education and recreation. Publicly funded health care is free to all and there is a rich cultural heritage and abundance of leisure facilities.

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Virgin Money Personal Pension

Posted by on Oct 18, 2011 in INVESTMENT | 0 comments

Why choose a Virgin Personal Pension:

  • Easy to understand, easy to set up
  • Straightforward investing, with a proven approach to stock market growth
  • Stop, start, increase or decrease your payments whenever you want to
  • Keep track of your pension 24/7 online, or by phone
  • It’s a stakeholder pension, so it comes with low charges and guaranteed standards

Remember, investments can go down as well as up and there is no guarantee you will get back all you invest.


Pensions explained

A great way to save for your retirement

A personal pension is simply a way of saving money for your future retirement.

Pensions have one very important advantage – they’re incentivised by the taxman. In fact, the taxman is very generous when it comes to personal pensions, adding to your pension every time you pay money in.

Every £80 you pay in is topped up to £100, giving your savings an immediate boost of 25%. And higher rate taxpayers can get even more.

How the taxman gives the money you pay in a 25% boost

Please remember, tax benefits depend on individual circumstances and may change in the future and the earliest you can currently take your pension is your 55th birthday.

Investments can go down as well as up and there is no guarantee you will get back all you invest.

Who can invest in a personal pension?

You can get a personal pension whether you’re employed, self-employed or out of work as long as you are:

  • 16 or over
  • A UK resident
  • Happy to leave your money invested until you’re 55 or older

If you want to retire on more than the state pension but don’t have a company pension at work, a personal pension could be a great option.

Taking your pension benefits

Firstly you can’t get your hands on your pension until you’re at least 55 years old, which is good because it gives you time to build up a bigger pension, without the temptation to dip into your savings.

When you take your benefits you can normally choose to take up to a quarter of your benefits as a tax-free cash sum.

You’ll need to use the rest of the money you’ve saved in your pension to provide you with an income in retirement, such as an annuity. An annuity is an investment that guarantees to pay you a regular income for the rest of your life, no matter how long you live.

Please remember, the amount of income provided by your pension will depend on a number of factors, including investment returns and annuity rates when you retire.

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