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Have you got investophobia?

If you’re scared of the stock market or the thought of shares makes you shiver, you’re not alone. We’ve discovered that many people across the UK are afraid of investing*. That’s why we’ve put together some helpful information to set your mind at ease.

Is a fear of investment holding you back?

Between images of a frantic stock exchange and negative news coverage, it’s easy to see why half of British savers are afraid of investing*. But once you get to grips with it, investing needn’t be scary. And compared to rock bottom rates on secure cash accounts, it could actually be a good way to get more from your money.

Out of habit, many people choose cash savings because they feel it’s secure.

But with interest rates at an all-time low, cash savings are actually suffering.

And due to inflation, the value of cash savings may even reduce over time.

Investing is only for the wealthy

Myth! At Scottish Friendly, we believe investing should be accessible for everyone. We specialise in Investment ISAs that can adapt to suit your circumstances, and for big and small budgets.

ISAs are too complicated

They don’t need to be. And we believe they shouldn’t be. Have a look at our friendly guide to ISAs to help. It’s written in everyday language, with no complicated stock market jargon in sight.

I could lose money

As stock market investments can go down, sometimes this is the case. But not always. And if you’re in it for the medium-long term (between 5 and, ideally, 10 years), your money could work harder than in a cash account.

Cash is guaranteed, investments aren't. Right?

Not quite. Whilst that’s often true, to give you some security we can offer you a straightforward investment ISA with a guaranteed minimum pay out. Terms apply.

Once I invest, my money's all locked away

Another myth. When you invest with Scottish Friendly, you can access your money whenever you need to. Just don’t forget if you take out money it could take you longer to reach your financial goals. 

We're making investing accessible to all

We offer a range of investment ISA's designed to make the most of your tax-efficient allowance and the long-term growth potential of the stock market. Plus you can start from as low as £10 a month.

Why choose Scottish Friendly?

  • Since 1862

    We've been helping families to save and invest for over 150 years and proud to be one of the largest mutuals in the UK.

  • We're a mutual

    As a mutual, we're owned and run for the benefit of our members. We don't have shareholders, so any profits are normally reinvested for the interest of our members.

  • You're protected

    Your money is protected by the Financial Services Compensations Scheme.

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