INVESTING MADE EASY

Three ways we make investing easier

1. Ready-made portfolios

We offer three ready-made investment portfolios. So, unlike with some other providers, you needn't invest time or effort getting started. Take your pick from our Cautious, Balanced or Adventurous portfolios to suit your goals and risk appetite. Read more about our investment portfolios.

2. Exclusive risk management tool

If you're investing with a specific goal in mind, that's at least five years away, you could opt into our exclusive Glide Path feature. Unique to Saga Investments, we designed it to help customers like you.

As your goal gets closer, Glide Path takes care of reducing your portfolio risk level. This lowers the risk  of your money dropping in value before you want to use it. And it's our way of helping you get the most from your investment. 

3. Easy 24/7 online access

Once your Saga Investments account is set up, you can access it online 24/7. This means that at any time of day or night you can easily:

• Check how your investment is performing.
• View all your important documents.
• Add, withdraw or transfer funds.

You can also call us on 0800 302 9755 (Mon-Fri, 9am to 5pm) if you want to:

• Switch to another ready-made portfolio.
• Turn the Glide Path feature on or off.
• Change your account details.

Things to bear in mind

Investing involves risk. Feeling comfortable with your risk level is important as you may not get back the amount you’ve invested. Here are some things to keep in mind:

• It’s important to invest for the medium to long term (at least five years). Generally, returns come from medium to long-term investing. But there could be a time when your investment falls in value. If this happens and you’re not able to wait before selling your investments, you could lose money. So, you shouldn’t invest money that you might need soon.
• Saga Investments is a non-advised service. That means you won’t receive advice on investment decisions or whether the products are suitable for you. If you need additional support choosing products and investment portfolios, this is not the right service for you.
• Find out more about the risks of investing.

Eligibility

To open a Saga Investments account, you must be:

• Over the age of 18.
• Resident and ordinarily resident in the UK for tax purposes. This includes Crown servants, or the spouses or civil partners Crown servants working overseas. We are not able to provide Saga investments to US persons.

Saga Investments is provided by trusted partners

Saga Investments is provided jointly by HUB Financial Solutions Limited and Hubwise Securities Limited (Hubwise). Each takes care of different parts of the products. Hubwise provides the Saga Stocks & Shares ISA and Saga General Investment Account. HUB Financial Solutions designs and manages the portfolios.

Please note that this is a non-advised service. You won’t receive advice on investment decisions or whether the products are suitable for you. It’s therefore important to read this website carefully to make sure Saga Investments is right for you.

Tax paid depends on your personal tax position. Tax rules are subject to change by the UK Government.

How your money is protected

HUB Financial Solutions, Hubwise and the providers of the funds you hold within your Saga Stocks & Shares ISA 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. The maximum amount is £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, visit the FSCS website.

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