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The State Pension should form the bedrock of your retirement income. But don\u2019t kid yourself, it\u2019s nowhere near enough to live on comfortably. You have to save under your own steam as well.<\/p>\n
Should you buy Lloyds Banking Group Plc shares today?\t<\/p>\n
Before you decide, please take a moment to review this report first. Despite ongoing uncertainties from US tariffs to global conflicts, Mark Rogers and his team believe many UK shares still trade at substantial discounts, offering savvy investors plenty of potential opportunities to learn about.<\/p>\n
That\u2019s why this could be an ideal time to secure this valuable research \u2013 Mark\u2019s analysts have scoured the markets to reveal 5 of his favourite long-term \u2018Buys\u2019. Please, don\u2019t make any big decisions before seeing them.<\/p>\n
Luckily, there\u2019s an easy and accessible way to do that. By investing regular sums in a Stocks and Shares ISA.<\/p>\n
If that sounds a bit technical, please don\u2019t be put off. It\u2019s pretty straightforward to set one up, and the rewards make it worthwhile. Over the last decade, the average Cash ISA returned just 1.21% a year, figures from Unbiased show. The average Stocks and Shares ISA<\/a> returned 9.64%.<\/p>\n Does a Stocks and Shares ISA beat cash?<\/p>\n The difference between those two figures will roll up massively over time. Somebody who puts \u00a3200 a month into the average Stocks and Shares ISA for 30 years would end up with \u00a3606,594, based on those figures. And in a Cash ISA? They\u2019d have just \u00a3130,839.<\/p>\n That means a staggering \u00a3475,755 less. Like I said, investing is worth it. Of course, equities are more volatile<\/a> than cash. Returns aren\u2019t guaranteed. But history shows shares easily outperform savings accounts over time. Only invest money you can ideally leave untouched for decades<\/a>. As a further incentive, all the share price growth and dividend income you generate will be entirely free of tax. For life.<\/p>\n Please note that tax treatment depends on the individual circumstances of each client and may be subject to change in future. The content in this article is provided for information purposes only. It is not intended to be, nor does it constitute, any form of tax advice. Readers are responsible for carrying out their own due diligence and obtaining professional advice before making any investment decisions.<\/p>\n At The Twelfth Magpie (formerly The Motley Fool UK), we believe a terrific way to generate a passive income is to build a balanced portfolio of shares from the FTSE 100 and FTSE 250. It\u2019s important to build a balanced portfolio of at least a dozen, so if one or two struggle, others should hopefully compensate.<\/p>\n Are Lloyds\u2019 shares right for you?<\/p>\n