Achieving your investment goals

Andrew Craig, author of ‘How to Own the World,’ looks at a number of options you can choose to help you achieve your financial goals.

The value of investments can fall as well as rise, and you may get back less than you invested. Past performance is no guarantee of future results

Watch other videos in Andrew Craig’s investing series:

Investing: the power of diversification

How fees and inflation are eroding your savings 

It has never been so important to learn to invest for yourself 

Why investing early is so important

Although there are many different types of investment vehicles, they have one aim - to produce income or profit, or both. But it’s important to understand the different types of investments and investment accounts to make sure you get the best returns for your money, in the timeframe you require.

In the final video of this series, Andrew Craig looks at a number of options you can use to help you achieve your financial goals.


An ISA is a tax-free way to save or invest for your future, there are two main types:

  • Cash
  • Stocks & Shares

A cash ISA gives you instant access, great if you need to be able to get to your money quickly.  It also has a fixed rate, perfect if you have a lump sum to save. But beware in times of low interest rates, you could find yourself effectively losing money, as Andrew explained in his video on How fees and inflation are eroding your savings.

With a Stocks & Shares ISAs you can put your allowance into a range of investments and the potential returns can be higher than cash equivalents with the current low interest rates. Bear in mind that investing should be a long-term savings plan and you should be comfortable with aiming to invest for a minimum of six years.

For the tax year 2017/18, the ISA allowance is £20,000.


A self-invested personal pension (SIPP) is a UK government personal pension scheme. It allows individuals to make their own investment decisions in a tax-free environment.


Exchange traded funds (ETFs) aim to mirror the performance of a particular market or index, such as the FTSE 100. Unlike unit-linked funds, ETFs can be traded like individual stocks on an exchange such as the London Stock Exchange.

Generally speaking, the management fees for ETFs are lower than standard charges for managing pooled funds.

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