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Please remember that financial investments may rise or fall and past performance does not guarantee future performance in respect of income or capital growth; you may not get back the amount you invested.

There is no obligation to purchase anything but, if you decide to do so, you are strongly advised to consult a professional adviser before making any investment decisions.

The government’s flagship savings programme, the “Lifetime ISA,” was thrown into chaos on the day it launched as not a single bank or building society picked up the scheme. ...