Nov 23

Invest for the future

Reading Time: 3 minutes

Guest article from AXA

You might have considered investing in the past but didn’t know where to start. With AXA Self Investor you can set up and manage your own portfolio of investment funds online.

Check out our 5 tips for first time investors and see our new investor offer.

Invest for the future

If you’re looking to choose and manage your own investments, at AXA Self Investor we offer an online DIY investment service. It enables you to invest in a Stocks and Shares ISA or Trading Account from as little as £50 per month or with a lump sum of £500 or more without receiving personal financial advice.

We understand that investing without receiving personal financial advice may seem a little daunting, so we’ve provided guidance and support to help you make your own investment decisions. This includes a range of tools and guides to take some of the confusion out of investing and help you make your own informed investment decisions.

5 tips for first time investors

  1. Be more tax efficient, use your ISA allowance

Taxes can reduce any profits you might make from investing but investments held in a Stocks and Shares ISA won’t incur any Capital Gains Tax on capital growth, nor is there further tax to pay on any income earned. So you can tax efficiently invest up to £15,240 before 5 April 2016.  Be aware that tax benefits may change in the future and dividends paid within an ISA are subject to a 10% tax credit which cannot be reclaimed whatever your personal circumstances.

  1. Know why you’re investing

Before you start investing think about what your goals are in terms of what you want to try and achieve. Deciding what you want will help you decide what risk you’re prepared and able to take with your money and what type of investment funds you could invest in. Whatever your goal, it’s important to remember that investing is a medium to long-term commitment of at least 5 years.

  1. What’s your attitude to risk?

Your attitude to risk is likely to change over time. Age, lifestyle and personal circumstances can all contribute, as well as your ability to cope with any financial losses. The amount of risk you take also depends on why you’re investing and for how long. You shouldn’t be having sleepless nights over concerns of an investment falling in value.

  1. Do your research

It’s important to do your homework. Take some time reading up about Stocks and Shares ISAs and funds including the different types of asset classes and fund management styles available. Consider what you want from your investments and how each fund fits in with your objectives. Give yourself time to digest the information before proceeding.

  1. Choosing suitable funds

There are far too many funds out there meaning it can be difficult to know where to start. We have tools and guides which can help narrow down your options if you need a little help getting started. Our investment experts, Architas*, have put together ready-made All-in-One funds managed to different risk levels along with their top 100 Favourite funds and 3 example Quick Start portfolios. Reviewing the fund information provided can help you find funds in the areas you’re looking to invest in, and see if they could be suitable for you.

Our new investor offer

Open a Stocks & Shares ISA or Trading Account with an initial £2,000 or more, or at least £100 per month before 10 December 2015 and pay 0% account charge on this account until 31 July 2016. Fund manager charges will still apply.

You’ll pay our standard account charge on all your investments if your initial payment into either a Stocks and Shares ISA or Trading Account is below the amounts indicated above. You’ll also pay our standard account charge on anything you invest from 1 August 2016.

Remember the value of your investments can go down as well as up and you could get back less than you invest. There’s no minimum investment period but you should consider investing for 5 years or more.

Visit to read more about investing.

*Our investment experts, Architas are part of the AXA Group. They are made up of two companies:
1. Architas Multi-Manager Limited, which is authorised and regulated by the Financial Conduct Authority. They are responsible for creating and managing the All-in-One funds.
2. Architas Advisory Services Limited, which is not authorised or regulated by the Financial Conduct Authority or the Prudential Regulation Authority. They select the Quick Start and Favourite funds.

AXA Self Investor does not give advice based on personal circumstances. Using our service means you are responsible for deciding which investments are suitable for you. Personal advice is only available from a financial adviser, if you don’t have one, you can find one at

AXA Self Investor, PO Box 6890, Basingstoke RG24 4SL. Telephone number: 0800 1522 522. As part of our commitment to quality service and security, telephone calls may be recorded.
AXA Portfolio Services Limited trades as AXA Self Investor and is part of the AXA Group. AXA Portfolio Services Limited is authorised and regulated by the Financial Conduct Authority.
It is a company limited by shares, registered in England No. 1128611. Financial Services Register No. 144849. Registered office: 5 Old Broad Street, London, EC2N 1AD.



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