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Before you start investing,

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you want to be confident that it's the right thing for you,

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but this doesn't mean you need to know everything about it.

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If you're waiting for that, you'll probably never get started.

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I've been investing for about 20 years now and definitely still don't know

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everything -- but I've learned more along the way.

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And it's not unusual to feel daunted about investing.

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There's a worry about what to invest in

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and of course there is some risk attached, which can put people off.

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But the chances are, you won't lose all your money. In fact,

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you'll hopefully see it increase in value

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by more than if you just leave it all in a savings account.

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And that's one of the main reasons why people invest.

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They hope that by taking a bit more risk, they'll get a better reward.

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A good place to begin is by thinking about what your goals are.

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What are you aiming for in life? Do you want to retire at 60,

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or perhaps your plan is to take a career break and go traveling,

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or maybe get married and have a holiday of a lifetime? With a clear focus,

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you can build a plan -- without one, it either won't happen,

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or it'll take a lot longer to get to the finish line.

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And if you're not sure how to start investing,

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don't worry because there are products designed to help make it easier.

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If you want to take the plunge but don't have the time or inclination to do lots

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of investment research yourself,

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you can leave your money in the hands of the experts and let them invest it for

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you. Here at Barclays,

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we have a few options for those who want to invest in this, this way. Firstly,

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on Smart Investor, which is our DIY investment platform,

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meaning you make your own investment decisions,

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we offer five Ready-made Investment Funds.

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Each invests in the mix of shares, bonds, and cash,

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but the level of risk varies.

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So whether you are more comfortable taking a lower risk approach or are happy to

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take a bit more risk in the hope of potentially higher returns,

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there'll hopefully be a fund to match your needs.

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You just need to decide which is the most suitable for you. Alternatively,

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we have a service called Plan & Invest,

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and this is what's called a digital wealth management service,

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where you leave everything in the hands of our experts.

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You'll be asked to complete an online questionnaire to help us understand about

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your finances, how you feel about risk, and why you want to invest.

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We'll then create a personalised Investment Plan entirely tailored to you.

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And if you decide to go on and open an account,

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we'll then make the decisions for you. In order to open a Plan

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& Invest account,

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you must have a Barclays current account and at least £5,000 to invest.

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Now you can find out more about Plan & Invest and Smart Investor on our

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website, including information about charges.

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So if you think investing is the right thing to help you achieve your financial

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goals,

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get started and your knowledge and confidence will naturally build over time.

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And remember, with investing, you are not tied in forever.

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While we talk about investing being for the longer term,

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your money isn't locked away.

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So if your circumstances change and you unexpectedly need to access it,

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you can sell your investments at any time.