Important information

More information about Saga Investments and links to key documents.

Saga Investments is designed to make investing simple

Saga Investments gives you access to an investment platform where you can open a stocks and shares ISA and/or a General Investment Account. You can choose from three investment portfolios which are designed by HUB Financial Solutions with Saga customers in mind. 

Each portfolio comes with a different investment objective and level of risk. You choose the one that best aligns to your individual circumstances and goals.  

If you’re investing for something specific you may have a fairly good idea when you'll need to access the money, and you want your investment to automatically reduce in risk as you come closer to taking your money out, you can select the Glide Path feature. 

The value of your investments and the income received from them can fall as well as rise. This means you may not get back the amount you invested.

Saga Investments is offered on a non-advised basis. This means you won’t receive any advice, recommendation or guidance on whether it’s suitable to meet your needs or on any investment decisions you may need to make. 

If you need additional support to identify which products and investment portfolios meet your objectives, Saga Investments will not be right for you.

To use Saga Investments, you must be over the age of 18, hold a UK bank account and be a UK resident for tax purposes (unless you are a Crown employee, or their spouse, working overseas). Saga Investments is not available to US persons. 

When you apply for a Saga Investments product, you will set up an online account on an investment platform. As part of the application process, anti-money laundering checks will be carried out. This is a soft check, so will have no impact on your credit score or any future credit applications you might make. However, in certain circumstances we may need to contact you to verify some details and/or request further information before your application can be completed.

Who is involved?

Saga Investments is provided jointly by HUB Financial Solutions Limited and Hubwise Securities Limited.

HUB Financial Solutions Limited

HUB Financial Solutions will act as your representative for Saga Investments. This means they’ll be your first point of contact for queries or complaints that you may have. Contact details are in the ‘Getting in touch’ section below. HUB Financial Solutions are also responsible for designing and maintaining the investment portfolios and Glide Path feature. 

HUB Financial Solutions specialise in providing services for people on the journey to, and through, retirement. 

HUB Financial Solutions is part of Just Group plc:

• A FTSE-250 financial services company 
• A specialist in the retirement market
• Manage more than £23 billion of pension savings.

HUB Financial Solutions Limited (FRN 455713) is authorised and regulated by the Financial Conduct Authority. 

Hubwise Securities Limited (Hubwise)

HUB Financial Solutions have arranged for Hubwise to provide and operate the investment platform and the Saga Stocks & Shares ISA and General Investment Account products. Hubwise also provide access to an online account for you to provide instructions, view your account holdings and transactions, and maintain your personal details. 

Hubwise are experts in their field and pride themselves on innovation, effective operations, custody and safeguarding of assets.

Hubwise are part of SS&C Technologies:

• A global leader in financial technology
• more than $13 trillion of assets under administration
• more than 20,000 business clients across 40 countries.

Hubwise Securities Limited (FRN 502619) is authorised and regulated by the Financial Conduct Authority, is an ISA Plan Manager (HMRC ISA Plan Manager Z1723) and a Member of the London Stock Exchange.

Saga

We will promote the service and help HUB Financial Solutions make sure you have ongoing access to relevant literature and information. You can access the Saga Investments literature, details of the investment portfolios, and funds via the Saga Investments section of this website.

Saga is a registered trading name of Saga Personal Finance Limited, which is registered in England and Wales (company number 3023493). Registered office 3 Pancras Square, London, N1C 4AG. Saga Personal Finance Limited is authorised and regulated by the Financial Conduct Authority under the registration number 178922.

Important documents

To make sure Saga Investments is right for you, it’s important to read the documents below. They’ll provide you with all the information you need when considering Saga Investments, and include all necessary terms and conditions.

Saga Investments Terms and Conditions (including information about fees and charges)

Terms and Conditions (including information about fees and charges)

Product key features

Saga Stocks & Shares ISA Key Features Document (KFD)

Saga General Investment Account Key Features Document (KFD)

Important information about investment portfolios

Portfolio Fact Sheet - Cautious

Portfolio Fact Sheet - Balanced

Portfolio Fact Sheet - Adventurous

Important information about underlying funds

Federated Hermes Short-Term Sterling Prime Fund Class 8 Shares Accumulation

Legal & General All Stocks Gilt Index Trust C Inc

iShares Overseas Government Bond Index (UK) D Hedged Dis GBP

Legal & General Sterling Corporate Bond Index C Inc

abrdn Global Corporate Bond Tracker Fund N Acc

Legal & General UK Index Trust C Inc

Legal & General US Index Trust C Class Distribution

Legal & General European Index Trust C Inc

Legal & General Japan Index Trust C Class Distribution

Legal & General Pacific Index Trust C Class Distribution

Legal & General Global Emerging Markets Index C Inc

How we’ll store and use your personal information

Privacy Policy (HUB Financial Solutions Limited)

Privacy Policy (Hubwise – part of SS&C Technologies)

Getting in touch

If you’ve got any questions about any aspect of Saga Investments, or would like to make a complaint, you can get in touch using the contact details below:

• By phone – 0800 302 9755
• By email – enquiries@sagainvestments.com
• If you’d like to complain directly to Hubwise about the investment platform or products, you can do so by emailing HW-Complaints@sscinc.com or in writing to Hubwise Securities Limited, Waverley Court, Wiltell Road, Lichfield, Staffordshire, WS14 9ET.

Protecting your money

HUB Financial Solutions, Hubwise and the providers of the funds you hold within your Saga Investments product(s) are covered by the Financial Services Compensation Scheme (FSCS). This protects customers against financial services failing. 

In the unlikely event that any of these companies can’t meet their obligations, you may be entitled to compensation from the scheme up to a maximum limit of £85,000 per person, per firm.

The FSCS does not cover losses for poor investment performance - the nature of investments means their value can go down as well as up.

For more information about the FSCS, visit the FSCS website.

The information provided on this website should not be taken as a recommendation, advice or forecast. Tax depends on your personal tax position. Tax rules are subject to change by the UK Government.