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Investing made simple
Getting started could be easier than you think
Important information: investing for longer increases the likelihood of positive returns. Over a period of five years or more, investments usually give you a higher return compared to cash savings. But unlike cash, investments can go down as well as up in value, so you could get back less than you put in.
The information on this page isn't personal advice – please ask us for financial advice if you’re not sure what’s right for you. Tax rules can change and their benefits depend on your circumstances.
Begin with the basics
Investing can sound mystifying at first. But it can be easier than you think.
By taking your first steps in 2024, you could give yourself a better chance of growing your money over the long term. In fact, for 91% of 10-year periods, investments in shares have done better than holding cash. The sooner you get started, the longer your investments have to help with your future plans.
Ready to get going?
To start investing, you'll need to open an account.
There are different types of investment account available, and the right one for you will depend on your goals. Find out more about the most popular options with HL clients.
Compare Accounts
Begin with the basics
First things first – what does investing your money involve?
See how investing money works, and why you might want to consider it as an option.
A simple introduction to investing. How shares, funds and bonds can rise or fall in value and how income is paid to investors.
Understand investment risk
Investing involves taking risks.
But how much risk is healthy? And what are the different types of risks involved with investing?
Past performance isn't a guide to the future. Before choosing an investment, please check you’re happy with the risks.
Find out what risk really means when you're investing and the ways you can reduce it to maximise reward.
Get your head around the power of compounding
Compounding might sound technical. But this video shows how simple it is, and how it could benefit you.
The figures shown in this video aren’t guaranteed. And they don’t take inflation or charges into account.
This video explains how time can be your biggest ally when it comes to growing your wealth.
The HL Ready-Made ISA
Looking for an easy way to invest this year’s ISA allowance?
Leave it to the experts with our all-in-one ISA.
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Learn
about
investing
From the basics of investing to making better investment decisions, we’ve covered what you need to know.
See all topics
How to build a portfolio
Learn all about asset allocation and how to set your own strategy.
| 4 min read
Investing behaviours
Read the do's and dont's and give yourself the best chance of success.
| 4 min read
![Best Buy ISA 2023 Boring Money Awards 2022](https://www.hl.co.uk/__data/assets/image/0007/18818395/Boring-Award-2023-Best-buy-ISA.png)
Boring Money Awards 2023
![Best Investment App Boring Money Awards 2024](https://www.hl.co.uk/__data/assets/image/0011/19742609/BestInvestmentApp2024.png)
Boring Money Awards 2024
![Best Online Stockbroker The Personal Finance Awards 2023-2024](https://www.hl.co.uk/__data/assets/image/0004/19363099/Best-Online-Stockbroker-3-years-23-24.png)
The Personal Finance Awards 2023/2024
Help and support
If you have any questions you can speak to one of our UK based client support experts.