Jurisdiction(s):
United Kingdom

Key definition

Investments definition

What does Investments mean? In practice, investments are financial products or rights acquired with the expectation of income or capital growth, such as shares, bonds, fund units and derivatives. In UK financial services law, however, the regulated concept is “specified investments” under the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 (SI 2001/544) (RAO). This defined list includes, among others, shares, debentures and loan stock, government and public securities, warrants, units in a collective investment scheme, options and futures, contracts for differences, and rights under a contract of insurance. Whether a firm must be authorised, may communicate financial promotions, or owes particular...

NS&I products for UK clients: premium bonds, savings certificates, income bonds, Help-to-Save—features, availability, tax and regulatory considerations for practitioners

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Practice notes

National Savings & investments products

National Savings & Investments (NS&I) is an Executive agency of the Chancellor of the Exchequer. Its website states NS&I ranks among the UK’s largest savings organisations, with more than 26 million customers and £100 billion invested. While best known for premium bonds, the organisation also provides a variety of savings and investment options to meet different needs, including savings certificates, income bonds and children’s bonds. All products come with 100% security because NS&I is backed by HM Treasury. NS&I products can be bought online, though new investors must supply proof of identity and address...

Giving investment advice

The standard health warning applies: practitioners cannot give investment advice unless authorised by the Financial Conduct Authority. It is acceptable to inform clients about tax-efficient investments in general, but unless authorised practitioners must not recommend any specific options based on the client’s circumstances...

Premium bonds

Premium bonds do not promise a set rate of return, as a premium bond effectively operates like a raffle ticket. A draw takes place each month, and only if the bond number is selected does the investor receive a prize...

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Web page updated on 21/05/2026

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