When investing, you take calculated risks to increase your chance of getting higher returns on your money, especially over the longer term (usually five years or more).
There are various types of investment – some will be right for you and some won't. It all depends on your attitude to risk (how much risk you are prepared to take) and what you are trying to achieve with your investments.

Things to think about before investing

• How much can you afford to invest?
• How long can you afford to be without the money you’ve invested (most investment products need to be invested for at least five years)?
• What do you want your investment to provide – capital growth (your original investment to increase), income or both?
• How much risk and what sort of risk are you prepared to take?
• Are you happy to go it alone, or do you want to share costs and risks with other investors (using a pooled investment, for example)?
• Do you want to be consulted on investment decisions, or are you happy for the fund manager or stockbroker to do this for you?
• If you decide to invest using Pooled investments consider which type would be most suitable for you. The main differences between pooled investments are the tax position and the risks (especially investment trusts and with-profit funds).
• What are the tax benefit implications – what tax will you pay and can you reduce it?

Which one to choose from :
National Savings Products, ISA ( Individual Savings Account) , Collective Investment Schemes, Unit Trusts/OEICs , Investment Portfolio Bonds, Cash Deposits, Inshore or offshore Investments. etc

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