Cash vs. stocks and shares
If we compare equity growth rates taken from the 2015 Barclays Equity Gilt Study against the average interest rates* for cash ISAs over the past five years we can see that, overall, stocks and shares generally delivered greater growth**.
We'd like to remind you that past performance is no guarantee of future performance and when you invest in stocks and shares the value of the account can decrease as well as increase, which means that you or your child could get back less than you paid in.
With cash accounts, whilst generally more secure, the cost of living (inflation) generally increases over time, so the final amount probably won’t buy as much in the future as it could now. The information provided below is for your reference only and is based on general market information, not our own data from our own investment funds or for our products.
The information we provide should help you to make an informed decision as OneFamily doesn’t provide advice. If you’re not sure whether one of our products is suitable for you or your child, it’s worth speaking to an independent financial advisor (IFA). You can find one at unbiased.co.uk
For more information about how OneFamily’s funds have performed over the past five years you can download factsheets for the relevant fund.