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All about investment

WHY DO YOU NEED TO SAVE?

Everyone has financial goals – from setting aside money to deal with the unexpected, to putting a child through university or making sure you have a comfortable retirement. Saving money or investing can help you to achieve those goals.

You can save into a savings account, where your initial sum remains the same but earns interest. Alternatively, you might decide to invest in shares, bonds or other assets, which can rise or fall in value as well as provide an income.

What is right for you will depend on your attitude to risk and the timeframe for your savings.

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ARE YOUR SAVINGS TAX EFFICIENT?

ISAs are different from other savings and investment products because you do not pay any tax on the interest, capital gains (CGT) or dividends you earn. This makes them a tax-efficient way of saving and investing your money. The government currently allows each individual to save and invest up to £15,240 (for the 2016/17 tax year), tax free. The ISA allowance will increase to £20,000 in April 2017.

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main types of investment

You can invest in everything from bonds and shares to property to help you meet your financial goals.

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understanding and managing risk

The key to investing successfully is understanding the risk involved, knowing how much you are prepared to take on and managing your investments accordingly.

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preparing to invest

It's crucial that you consider your financial position carefully before deciding to invest. Investing carries risk so you need to be sure that you can deal with any losses.

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