Investment options

• Tax efficient investments
• Investments for everyone
• Investments for children
• Retirement planning
  • Retirement planning explained
  • Pensions
  • Savings and investments
    • About savings and investment for retirement
    • Savings
    • Fixed term investments
    • Open ended investments
  • Protection
  • Inheritance planning
  • Tax planning

Expert advice

• Financial Planning

Existing Customers

• Online Fund Prices

Help and guides

• Guides to investing

Building your pension pot the low risk way

Saving for retirement isn’t the same as saving for a rainy day. It’s about planning for the long term, taking maximum advantage of the tax breaks offered by ISAs and balancing the security of your capital with the need to earn a good return.

Once you’re retired, or getting close to retirement, a well thought out savings plan should help you preserve the gains you’ve made from your other investments.

Because of their tax status, ISAs perform a central role in most people’s savings strategies.

How ISAs work

ISAs are suitable for lump sum deposits, regular savings, or a combination of both.

• Cash ISAs – pay a fixed or variable rate of interest.
  More on Cash ISAs
• Stocks and shares ISAs – carry an investment risk. They offer higher potential returns but your money is less safe than it would be in a cash ISA
  More on stocks and shares ISAs

Instant access accounts let you save a lump sum and make regular deposits, whenever you like – and there are usually no charges when you take your money out.

• More on instant access savings

Fixed rate bonds pay a specific rate of interest for an agreed term. If you don’t need access to your cash, they could be worth considering.

• More on fixed rate bonds
• More on RBS fixed term savings accounts