Helping make your money do more
With interest rates at an all-time low, there's never been a more pressing time to find other ways to help your money grow. We offer a variety of investment options to help you achieve financial growth objectives. Nationwide has a carefully selected range of investment funds designed to help meet your individual investment needs, all provided through Legal & General.
The value of investments can go down as well as up and you may get back less than the money originally invested. Investments should be viewed as a long term option of five years or more.
How can we help you?
I want to invest my money
We know that investments can seem daunting so we'll talk you through your options in plain English and help you make the right choices for you.
And the proof? We have helped over 300,000 customers invest £7.8bn*.
Our aim is to help you create an investment portfolio that could deliver potentially higher returns than traditional savings accounts.
- Maximise your investments by taking advantage of your Stocks & Shares ISA tax benefit of £11,520 for the current tax year
- Choose from some of the UK's best known and best-performing funds
- Our rigorous fund selection process means you can invest with confidence
Top up your existing investment online
- We continually monitor fund performance, to ensure your investment works hard
- You have an option to enjoy an income with carefully selected products from within our investments range
Do you want to discuss your options further? Make an appointment to see us.
I want to plan for my children's future
Our savings options are here to help give your little ones the best possible start in life.
- You can still top up your Nationwide Child Trust Fund (CTF) or transfer any Child Trust Fund (CTF) from your current provider to a Nationwide .
I want to buy and sell shares
We can introduce you to the Stocktrade Sharedealing service so you can buy and sell shares online yourself.
- Buy or sell shares from only £12.50**
- Convienient online and telephone services to buy and sell instantly
- Invest directly in the stockmarket both in the UK and overseas, pick and choose companies that you want to invest in and even create your own share portfolio
- Stocktrade Sharedealing service is available online only
The value of your investment can go down as well as up so you may get back less than you originally invested.
* As at 30 November 2012.
** Excluding annual administration fee of £40
Protecting you and your family
Have you ever wondered how you and your family would make ends meet if you lost your job, suffered a debilitating injury or had a critical illness? While Statutory Sick Pay might help a little, at around £86 a week* you may well need to have extra protection in place.
We have helped nearly 500,000 customers to financially protect themselves, and their families. We can guide you by offering advice on our range of protection options to find the one that works best for you. By only using providers we know and trust you can rest assured that you are in safe hands.
How can we help you?
I want my mortgage paid off if I die
Any mortgage is a big commitment, and the last thing you want is your family to be left with it if you're not around. With mortgage life insurance, your mortgage could be paid off if you die during the term of the plan.
- Premiums from just £6 per month
- Choose how long you want the cover to last, and what the lump sum would be
- 5 Star cover - when taking Life Insurance and Critical Illness Cover together (rated by Defaqto)
- Mortgage Life Assurance is brought to you by Nationwide and provided by Legal & General
- Learn more about Mortgage life assurance cover
I want to take out life insurance
It's only natural to worry about how your partner or family would cope if you were no longer around. But with life insurance you can take steps to make things easier if the worst happens.
- Premiums from just £6 per month
- Help protect you and your loved ones financially in the event of a critical illness, with Life & Critical Illness Cover (subject to acceptance)1
- Learn more about the types of life insurance we offer
I want to protect my income
If you're worried about the financial impact of being out of work as a result of illness, accident or injury, you could get cover to help.
- Choose how long cover lasts and how much you receive - to cover your cost of living up to a maximum of £180,000 per year
- Choose when to start receiving your tax-free income**
- Cover could be really affordable, from just £10 a month
Learn more about:
The value of your investment can go down as well as up so you may get back less than you originally invested.
* Source: Gov.uk, November 2012
** Tax information is based on our understanding of current tax legislation and HM Revenue & Customs practice, both of which may change.
1Critical Illness Cover is brought to you by Nationwide and provided by Legal & General. (exclusions and limitations apply)
2This plan is insured by Aviva Life & Pensions UK Limited, and administered by Aviva Health UK Limited (exclusions and limitations apply)
Maximising your retirement income
Many people choose an annuity as a way of turning their pension pot into a guaranteed income for life and by shopping around for an annuity, you could enjoy up to 20% more retirement income. If that's something you'd like to do - and you have a fund of £18,000 or more - we can help. We'll review a number of different providers on your behalf from our panel of annuity providers to find the one that’s best for you.
Even if you don't want an annuity, we can still talk you through other options available - and help you make the right choice with your pension pot.
How can we help you?
I want to turn my pension into an income
If you have more than £18,000 in your pension pot ready to convert into a retirement income we can tell you about the different annuities available to you. We'll help you find the best one to maximise your retirement income.
We've selected a panel of annuity providers with a pedigree for offering consistent and competitive annuity rates and annuity options, the right approach to customer service, and strong financial stability.
- Get up to 20% more retirement income through our Annuity Service, administered by TOMAS*
- Combine multiple pension pots into one retirement income
- Arrange an income for your partner upon your death, if you wish
- Read our comprehensive online guide to Annuities and learn more about how The Nationwide Annuity Service can help you.
The value of your investment can go down as well as up so you may get back less than you originally invested.
* 20% is based on a sample of 102 customers from a combination of conventional and enhanced annuities, a 20.5% average increase was achieved over the customers own pension company. Source: The Open Market Annuity Service Feb 2012. The Nationwide Annuity Service is administered by The Open Market Annuity Service (TOMAS), which is a specialist business that helps people make the most of their pension savings.
Minimising inheritance tax
Every person has a threshold (called the nil rate band) of £325,000. This means if your estate is worth less than this, your beneficiaries have no inheritance tax to pay. But if it's worth more, they could be liable for up to 40% tax on your death. It is possible with planning to reduce any potential liability.
£2.9 billion will be paid to the taxman this year through people failing to plan for inheritance tax payments*.
How can we help you?
I want to plan my estate
If your estate is worth £325,000 or more we'll not only help you create your will through our legal partners, Irwin Mitchell, but also ensure any tax liability is minimised when you die.
Our Senior Financial Consultants can help you to find the most tax-efficient way for you to pass on your nest egg to your loved ones.
- We'll simplify what can be a very complex subject
- We'll help you find ways to use your savings to provide a income - to remove money from your estate
- Assist you with minimising any tax liability for your loved ones
- You'll have access to a will-writing service through our legal partners, Irwin Mitchell
The value of your investment can go down as well as up so you may get back less than you originally invested.
*Source HMRC, National Statistics Report, July 2012