FundHolding.co.uk was built for one simple reason: most UK guidance about investing is either too vague to be useful, or written in a way that assumes you already understand pensions, tax wrappers, and fund structures. We wanted a resource that starts from first principles and stays specifically, consistently UK-focused.
What we cover
The site is organised around four practical questions every UK investor eventually has to answer: where should I hold my investments (ISAs, SIPPs, and general accounts), what should I actually hold (ETFs, index funds, unit trusts, OEICs, and investment trusts), how should I combine those holdings into a sensible portfolio, and how do I keep the costs of investing from quietly eating my returns over time.
Our approach
Every guide on this site is written in plain English, uses UK-specific figures and terminology (HMRC allowances, FCA-regulated account types, the London Stock Exchange, and so on), and is structured to be read in a few minutes rather than requiring a finance degree. We avoid jargon where we can, and explain it clearly where we can't.
What this site is not
FundHolding.co.uk is an independent educational publisher. We are not a financial adviser, we are not authorised or regulated by the Financial Conduct Authority, and nothing on this site should be treated as personal financial, tax, or investment advice. We don't sell funds, recommend specific commercial products, or receive commission for mentioning any provider, platform, or fund. Where we mention account types (like ISAs or SIPPs) or benchmark indices (like the FTSE 100), we are describing generic, publicly available concepts — not endorsing a specific product.
If you are making a decision about your own money, please read our full disclaimer and consider speaking to an FCA-authorised financial adviser, particularly for anything involving pensions, inheritance, or larger sums of money.
Keeping this site current
UK tax rules, allowances, and thresholds change, typically at the start of each tax year in April. We aim to keep the figures on this site current, but allowances and rules can and do change between updates — always check the latest position on gov.uk or with your adviser before relying on a specific number.