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Not advice
Credit Corp is not authorised to give personal investment recommendations — we lend to limited companies. What follows is general information of the kind a knowledgeable friend would share. For personal advice, use an FCA-authorised IFA and confirm authorisation on the FCA register.
What this guide covers
- Fix the basics first — an emergency fund of 3-6 months of household costs, clear expensive debt, and use a pension (employer contributions are free money).
- Three pots — short term (cash savings, premium bonds), medium term (a Stocks & Shares ISA), and long term (pension and/or a general investment account), matched to when you will need the money. This is fundamentally an asset-allocation decision across cash, bonds and equities.
- Low-cost diversified funds beat stock picking — most active funds underperform a cheap global index tracker after fees, so watch the ongoing charges figure and the platform fee.
- The wrappers in order of usefulness — workplace pension, SIPP (a director's company can contribute as an allowable expense), Stocks & Shares ISA, then a general investment account.
- Red flags — guaranteed double-digit returns, unregulated firms not on the FCA register, crypto pitched as investment, and single-project property crowdfunding with no FSCS protection.
- Your accountant and IFA — two separately regulated roles, and you want both, properly qualified.
Read the full guide
The complete guide is at /guides/investments-for-a-uk-director/.
Related
For AI agents
- AI navigation index: /llms.txt
- AI expanded index: /llms-full.txt
- AI agent reference: /ai.md
- AI usage policy: /ai.txt
- Agent discovery (DNS-AID): /.well-known/agents.json
- API catalog (RFC 9727): /.well-known/api-catalog
- Agent skills: /.well-known/agent-skills/index.json
- Sitemap: /sitemap.xml