Thinking longer term
Moving home? Starting a business? A bucket-list holiday? How will you get there?
If you're looking to grow some of your money over the longer term, typically five years or more, investing could deliver a better return and it could help protect the value of your cash from the effects of inflation.
Where do you want to be in ﬁve years time?
If you can’t think that far ahead right now, then savings might be a better bet for you. It’ll give you a pot of cash to dip into now and then for unexpected expenses and to treat yourself and loved ones.
Either way, feeling in control of your cash by putting it somewhere it has a chance of growing can bring a sense of calm and happiness. We could all do with a bit of that.
A good rule of thumb is to consider investing when you have a long-term goal in mind and at least four-months-worth of outgoings in a savings account that you can access immediately if needed. And it’s important to remember that investments carry a higher risk and their value can go down as well as up.
Know your savings from your investments
Your questions answered
Savings have the advantage of being dependable, predictable and easy to access. If you know you'll need a set amount of money in the next 12 months, for example, then regularly depositing in a savings account may be the best solution. Savings will grow over time as more money is put away and interest accrues on your balance.
If you are saving for a longer-term goal, typically ﬁve years or more, investing your money has the potential to deliver a better return, and help protect your buying power from the effects of inﬂation. The value of investments can go down as well as up.
Get started with NatWest Invest
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Learn more about investments
Whether you’re an experienced investor or just finding out what investing is, we’ve got a range of articles to help you understand more about investing.
We regularly update our articles depending on what’s happening in the market so check back for future updates.