Defaqto 5 Star rated cover
Get to know all about our insurance
A one-stop shop for existing customers
Extensive itineraries, expert guides, and hassle-free planning
Find your perfect hotel holiday with Saga
Booking, documentation & other queries
Access to a range of accounts to suit your savings needs.
Including will writing, probate and lasting power of attorney.
Provided by award-winning mortgage broker Tembo.
Tips, insight and guidance into helping your money work as hard – and stretch as far – as possible.
The UK's bestselling subscription magazine
Discover our daily puzzles
As your money is invested, the value of your investments can rise and fall, so you could get back less than you invest. Tax rules can change and the value of any tax benefits depends on your personal circumstances.
Just pick one of our three ready-made portfolios, to suit your goal and risk appetite. Then relax while your money is invested by a team of experts.
Got an end goal in mind? Our optional Glide Path feature reduces your investment risk level as you approach your goal, lowering the risk of your money falling in value.
You can log into your online account at any time. From there you can see how your investments are performing, view your documents, and add or withdraw money.
If you've used up your ISA allowance this tax year and have more money to invest, you could open a Saga General Investment Account.
You may need to pay Capital Gains Tax (CGT) if your investments have increased in value when you sell them. You may also need to pay income tax on any dividend income or interest received depending on your personal tax position.
Read about the key features of the Saga General Investment Account.
You can choose from three ready-made investment portfolios. Each one suits a different goal and level of risk.
Cautious Growth Portfolio – find out more
Balanced Growth Portfolio – find out more
Adventurous Growth Portfolio – find out more
Designed and operated by HUB Financial Solutions, the portfolios allow you to invest in a range of funds. Each holds different types of assets like cash, bonds and company shares (or ‘equities’), across UK and international markets. This diversity helps spread the risk while giving your money the chance to grow over the medium to long term (five or more years).
Find out more about the investment portfolios.
If you’re investing for something specific, you may know when you want to access your money. If that’s at least five years away, you could choose our exclusive Glide Path feature.
Glide Path automatically reduces your risk level as you approach your goal. This helps reduce the risk of your money falling in value just when you’re planning to use it.
You can choose this option when you first invest. You can also switch it on or off at any point in the future. Find out more about the Glide Path.
Invest in the Saga General Investment Account now.
Before investing, you should be aware that:
Find out more about the risks of investing.
There’s no up-front fee when you open a Saga General Investment Account, and no exit fee if you take your money out. The total annual cost is up to 0.75% per year of the overall value held within the account. So, if you’re investing a total value of £10,000, the cost for the whole year would be up to £75.
The fees and charges are collected automatically - you don't need to do anything. You’ll receive the full up-front breakdown of the fees and charges you’ll pay in the ‘Illustration of Costs and Charges’ document when you open your account.
For further information about the fees and charges, look at the FAQs and our Investments Terms & Conditions.
Once everything has been checked and is in order, your Saga General Investment Account will be set up for you.
Please remember that Saga Investments is ‘non-advised’. This means you won’t receive advice on investment decisions or whether the products are suitable for you. If you need additional support, this will not be the right service for you.
Your online account offers you easy access to your investments at any time. You have the flexibility to:
You can also perform the following by contacting the Saga Investments team by phone on 0800 302 9755 (Mon-Fri, 9am to 5pm):
To open a Saga General Investment Account:
HUB Financial Solutions, Hubwise and the providers of the funds you hold within your Saga General Investment Account are covered by the Financial Services Compensation Scheme (FSCS). This protects customers against financial services firms that have failed.
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 paid depends on your personal tax position. Tax rules are subject to change by the UK Government.
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 help you explore investing