If you’re ready to start investing, you can choose from our ready-made fund selection, or use our   share dealing service to access the whole market.

1. Investing or Saving

It’s important to set aside money for your future, whether it’s a rainy day fund to cover unexpected events or for longer-term goals.


Investments offer the potential for greater rewards than a savings account but they do involve more risk to your money. Because of this, it’s normally recommended that investments are held for the medium to long-term, which can help to minimise the impact of ups and downs in the stock markets. Money can usually be invested using a lump sum or by a regular monthly amount.

You should consider investing if you want to put some of your money away for the medium to long-term (at least 5 to 10 years), and you’re willing to accept some risk to your cash.

More about Investing or saving.

2. The basics

Why invest for your future?

Investing can help you when planning your longer-term financial future. Our products could allow you to:

  • maximise your ISA allowance
  • plan for your retirement
  • make arrangements for your children’s education
  • help reduce the effect of inflation
  • potentially achieve better returns on your money.

Are you protected?

You should consider protecting yourself and your family against unforeseen events. Make sure you and your family have the right amount of cover in the event of illness, accident, death etc, otherwise your finances and your lifestyle could easily be derailed. Find out more about life insurance.

Step 3: Investment options

Already have a Halifax Credit Card?

You may be eligible to apply for a second credit card* or to swap your existing card with us. 

Apply for a Second card

Swap your card

*Second  Cards excludes Student Credit Card Customers, coditions apply.