Accessible, online investing We understand that when it comes to managing your savings, you don’t always need advice, that’s why we developed a flexible online investment facility designed to give you access to your account 24 hours a day, 7 days a week, meaning you can manage your money in the way which suits you.
How does it work? If you recognise that your money could be working harder for you, but are not confident about putting together your own portfolio, sbinvest will design a portfolio for you. Based on a series of questions asking you to rate things like your appetite for, and resilience to risk, our online facility will present you with a risk profile which can help you decide if you would like to go ahead. Once you have decided to invest, simply enter your details and your investment will be open – it’s that easy. Investment choices There is a common misconception that an investment ISA will only invest in stocks and shares or equities, but that is not the case for the investment portfolios within sbinvest. Each of our 10 risk-graded options has a blend of different asset classes including exposure to commercial property funds, fixed interest securities and equities across the globe including the UK, Europe, America and Emerging Markets*. sbinvest portfolios are also designed to be rebalanced on a quarterly basis, so it’s not a case of signing up to a fixed selection of asset classes, which you are stuck with for years to come.
If you want to start investing from the comfort of your own home or office, sbinvest is the ideal solution. Whether you have a lump sum to invest, or want to get into the habit of saving, with a minimum investment amount of £50 a month, sbinvest is an easy and flexible solution. Different options to suit your needs With two different options available, you can choose how you would like to invest. For larger, or one off deposits you can open a general investment account, or if tax efficiency is what you’re looking for you can open an ISA. As long as you remain within your annual allowance of £20,000 for the current tax year, even if you have opened an ISA elsewhere, you can open an sbinvest account. You can also transfer an existing ISA in to sbinvest if you wish, meaning you can keep all your investments together in one place.
Some great features ✓ ✓ Benefit from tax savings ✓ ✓ Start investing from as little as £50 per month ✓ ✓ Stop, start and change your monthly payments ✓ ✓ 24/7 access ✓ ✓ Follow the performance of your investment from your laptop or mobile device ✓ ✓ Choice of investments via a flexible portfolio
Get started today by visiting www.scruttonbland.co.uk
Individual Savings Accounts (ISAs)
Individuals can invest in any combination of cash stocks and shares up to the overall annual subscription limit. However, a saver may only pay into a maximum of one Cash ISA, one Stocks and Shares ISA, one Innovative Finance ISA and one Lifetime ISA. The overall investment limit for 2019/20 is £20,000 (£4,368 for junior accounts)
* The value of your investments can go down as well as up.
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