Many of you are right, the money is kept seperate from the company, I think RBS is the bank, the share scheme is run by a seperate company again.
So I pay 50 pounds a month for 5 years, 3 grand in total. I think I only get about 1.5% interest so it works out at about 3150. Now in 5 years I can opt to buy shares at the rate set today. The company is the biggest construction company, and is classed as a safe bet by most investors.
I can access the moeny at anytime and stop paying at anytime, however I will not get the 1.5% so the worst I will get the moeny I put into it.
And it's not putting all my eggs in one basket, I still have my pension and other savings etc..