5 steps to investing

Before you get started, it’s important to think about whether investing is right for you. Read our five steps to investing, which covers all the key points.

  1. Investing or saving
  2. The basics
  3. Investment options
  4. ISAs
  5. Ready to invest - final checklist

Video Guide

Watch our video guide on how to get started with investing.

Bar graph image.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. All our investment products are designed for you to put your money away from the medium to long-term – at least 5 to 10 years. The value of an investment can go down as well as up and you may get back less than originally invested.

Managed funds

Stocks and Shares ISA

  • Invest tax efficiently
  • Choose from our range of three managed funds
  • Apply online using Internet Banking

Investment Account

  • Choose from our range of three managed funds
  • These cover a range of assets to help you achieve your personal investment goals, particularly if you have already used this year’s ISA allowance
  • Apply online using Internet Banking

Other investment products

Share Dealing

Lloyds Bank Direct Investments offers share trading on seven of the world’s largest markets, as well as 3,000 different funds, bonds and more for you to choose from.

Whether you want to invest a small or large amount of money, Lloyds Bank Direct Investments offers the investments, flexibility and tools you need.

Share Dealing Account

Share dealing made simple
Ideal for day-to-day share dealing without the hassle of paperwork. We hold your shares electronically for you and take care of all the admin.

Share Dealing ISA

Maximise the tax efficiency of your savings
The Share Dealing ISA is one of the most flexible and tax efficient ways to invest in the UK and global stock markets.

Our share dealing service does not provide advice so if you are in any doubt about buying and selling shares, or making your own investment decisions, we recommend you seek advice from a suitably qualified Financial Adviser.

Managing your investments can be daunting and doesn’t get any easier the more you accumulate, as researching markets and investments can become a full time job. If you are looking for financial advice, our professional advisers may be able to help, depending on your annual income and assets.

Financial advice

£100,000+ sole income per annum or
£100,000+ of savings and investments

We can provide advice, where appropriate, on a range of financial planning solutions helping you to develop a financial strategy appropriate to your circumstances.

  • Protecting your family and assets
  • Planning for retirement (pre and post retirement)
  • Seeking to grow your wealth
  • Passing on your wealth

Lloyds Bank Private Banking

£100,000+ sole income per annum or £250,000+ of savings and investments

Speak to us about how you can become a client of Lloyds Bank Private Banking and find out how our highly skilled Private Banking and Advice Managers can help look after your finances.

We can offer you a personal service designed to suit your needs. Why not arrange a meeting with us so we can get a better understanding of your circumstances and discuss whether the services offered by Lloyds Bank Private Banking are suitable for you.

Money Advice Service

If you have less than £100,000 in income or assets or need independent financial advice, we cannot advise you. You may wish to visit the Money Advice Service, set up by the Government, which provides free, unbiased and independent advice on how to make the most of your money. You can also get more information about independent financial advice and details of Financial Advisers near you.

If you hold investments with us already and want to top up, or just check to see how your investments are doing.

Investments purchased online after April 2014

If you invested in our managed fund range online after April 2014, you can view and top it up here.

Investments purchased in branch before April 2014

If you purchased an investment in branch before April 2014, we have all the information you need here.

Important information about our Investment products purchased through our financial advisers

If you purchased an investment through a financial adviser visit our important information page.

Topping up your investments

To top up investments made before April 2014, simply call us on 0845 83 57 374 (lines open Monday-Friday 8.30am – 6pm, Saturday 9am – 12.30pm).

Topping up investments made before April 2014

For guidance about topping up an investment made before April 2014, visit our information page.

Looking for a savings account?

We can help you reach your savings goals with our large range of savings accounts. View the accounts you can apply for online and compare all accounts available to you.

Could you benefit from financial advice?

Use our handy tool to see if you could benefit from speaking to a Private Banking and Advice Manager and determine which of our services you may be eligible for.

Useful guides

We have a range of investments guidance to help you.

Find out moreFind out more about savings and investments

PLEASE REMEMBER THE VALUE OF AN INVESTMENT AND THE INCOME FROM IT CAN GO DOWN AS WELL AS UP AND YOU MAY GET BACK LESS THAN YOU ORIGINALLY INVESTED. TAX TREATMENT DEPENDS ON YOUR INDIVIDUAL CIRCUMSTANCES AND MAY CHANGE.