Explore the differences between saving and investing to decide which option best suits your financial goals.
The key difference between saving and investing is the level of uncertainty about the money you'll get back.
When saving, you'll always get back what you put in
Saving is a way of putting your money to one side until you need it and is for short to medium-term goals.
When investing, you’re aiming for your money's future potential
While there’s a risk when you invest, that you might get back less than you put in, there’s more potential to make a profit on your money over time.
As with all investments your capital is at risk and you may get back less than you invest. Investments should be held for the medium to long-term (5+ years), unless there’s a fixed term that applies.
The tax treatment of your investment depends on your individual circumstances and may be subject to change in the future.
