Saving vs investing
Save or invest? Invest or save? It's easy to end up going around in circles when trying to decide on the best way to grow your money.
This guide can help you understand the basics of both so you can work out which is right for you.
Which of the following best describes you?
Whichever stage you’re at, we’ve articles, calculators and webinars to help you learn more.
Check your financial fitness score with our easy-to-use calculator
How it works
- Tell us a few details about your finances - including your spending, borrowing and saving.
- We'll calculate your financial fitness score.
- You'll also get tips to help you set achievable goals to improve your financial health.
- You can use the tool again in future to see if your score has improved.
Starting to save?
Here’s a few articles that can help you on your way
With so many different types of savings accounts to choose from, finding the right one may feel a bit challenging. Here are some of the different types available to help you find the best savings account for your needs.
Reasons to save
Look at some of the common reasons people start saving.
How to save money
Ways to make saving money second nature.
Build an emergency fund
Outlines the steps you can take to build your financial resilience.
Create an emergency fund
Use our calculator to find out how much money you’d need to put aside to cover a financial shock.
Prefer to speak to someone? Book a financial health check with one of our Financial Health Specialists or you can always Book onto one of our growing your money webinars that will give you the insight, knowledge and tools to help you grow your money.
Want to make your money work harder?
These articles can help you explore your options
If you’ve built up some savings, you’re in a great position.
How to set long-term financial goals
Find out more about how setting long-term financial goals could help you succeed.
What is an ISA?
A detailed look at the types of ISAs and when they may suit.
Inflation eating your savings?
Find out what causes inflation and what could you do to reduce its impact on your money.
Savings goal calculator
Use our calculator to find out how long it will take you to save for that special purchase.
Prefer to speak to someone? Book a financial health check with one of our Financial Health Specialists or you can always Book onto one of our growing your money webinars that will give you the insight, knowledge and tools to help you grow your money.
Thinking about investing?
Here are some helpful guides and a handy tool to help you build your knowledge
New to investing, or just not sure where to put your money? We can connect you to investment opportunities around the world.
Remember, investing has its downs as well as ups – and you could get back less than you invest. Eligibility criteria and fees apply.
Investment goals
A smart way to invest and track your long-term goals in the latest version of the app.
Investing for beginners
Learn the basics of investing to work out whether it’s right for you.
Stocks and share ISA
Discover the different ways to invest in a tax-efficient stocks & shares ISA. Keep in mind, tax benefits will depend on your circumstances and tax rules may change in the future.
Investment calculator
Enter how much you'd like to invest to see how your investment could grow under different market conditions.
Prefer to speak to someone? Book a financial health check with one of our Financial Health Specialists or you can always Book onto one of our growing your money webinars that will give you the insight, knowledge and tools to help you grow your money.
Explore more
Financial fitness
Our financial fitness hub gives you the tools you need to help work your money
Savings
Explore our range of savings accounts, along with guides and savings hacks
Investments
Discover more ways we could help you get more from your money
Retirement
We've put together some helpful guides and checklists, so you'll have a better idea of how to get started.