ISAs, PEPs and TESSAs Guide

Everyone who can afford to should try to save at least a little. The Government has designed ISAs to provide several ways for you to save – without paying tax on what you earn from your investment, and you can put money in and take it out whenever you want to. For example, you could start with a few pounds in a simple cash ISA, for ‘rainy day’ savings that you need to get at quickly. Or you might consider investing in a stocks and shares ISA, for longer-term saving. You could also choose a life insurance ISA for longer-term saving, with some built-in cover in the case of your death. This guide will give you the information you need to help make your savings decisions. This guide also gives information on TESSAs and PEPs for savers who already have these. »

Your Pension Options

Introduction to Your Pension Options Everyone needs to plan ahead for retirement. The basic State Pension will give you a start but you’ll need to build up a second pension to make sure you have the lifestyle you want in retirement. And the sooner you take one out, the better. To help you, this introductory guide tells you about the different types of pensions you can get, raises some of the questions you may need to think about, and tells you where you can find more information. Other guides in this series will give you more information about particular areas of pensions. See details about how you can get copies of these guides. These guides can give you helpful information, but only you can make decisions about your pension. »

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