Who we help
Investing for doctors and medical professionals
Doctors are trained to follow evidence and protocols. Yet many manage their own money without either, because long shifts leave no time to learn.
The challenges
- Long and unpredictable hours leave little time for research.
- Pension rules and allowances can be complicated for higher earners.
- Being targeted by expensive products and “opportunities” marketed to professionals.
- Private practice or locum income that arrives unevenly.
How a disciplined process helps
Treat investing like clinical practice
An evidence base, a protocol and a review schedule work as well for a portfolio as for patient care. Decide what you will invest in, how much in each and what triggers a change, then check it at set intervals.
Our guide to what works in investing sets out the research behind a factor-based approach.
Look beyond the workplace pension
If you are in a defined benefit scheme such as the NHS Pension, that income is only part of the picture. Many doctors also hold ISAs, SIPPs or general investment accounts, and those need a plan of their own.
Check your allowances with your scheme or a qualified adviser; our role is education about the investing process.
Be sceptical of anything marketed at doctors
High-cost products, unregulated schemes and complex tax-driven investments are often aimed at professionals with good incomes. A simple test: if you cannot explain the costs and risks in plain English, do not buy it.
Our guide to fees shows how to add up every layer of charges.
Where to start
- Guide: What works in investingThe research behind a factor-based, rules-driven approach.
- Guide: What you really payEvery layer of charges explained, and how much they cost over time.
- Guide: DIY investing, what it takesThe time, tools and habits needed to manage your own money well.
- Free investing toolsCalculators and checkers for pensions, risk and portfolio quality.
Questions people ask
I have very little time. Is self-directed investing realistic?
Yes, if the process is designed for it. A rules-based approach reviewed weekly or monthly takes far less time than reacting to headlines.
Do you give advice on the NHS Pension?
No. We provide investing education. For scheme-specific decisions, speak to your scheme or a regulated financial adviser.
Is this suitable for dentists and other healthcare professionals?
The same principles apply to dentists, pharmacists, vets and other clinicians, including those in private practice.
Important: this page is education and information only. It is not financial advice or a personal recommendation, and it does not take your circumstances into account. The value of investments and pensions can fall as well as rise, and you may get back less than you put in. Past performance is not a reliable indicator of future results. If you are unsure what is right for you, speak to a regulated financial adviser.