Questions & answers

What can I invest in?

Moneybox has worked with experts to offer you three starting options - Cautious, Balanced and Adventurous. All you need to do is pick one based on your attitude to risk and return.

Starting options screen

Each starting option contains a mix of three tracker funds. These funds are provided by Vanguard, Henderson and Blackrock – three of the largest and most respected companies in the investment world. You are able to customise the asset allocations of our suggested starting options. However, you should bear in mind that our starting options have been carefully designed by investment experts to optimise risk and return for the selected risk appetite. Please make sure you fully understand how changing the allocation could impact your investment return and risk level before making any changes to these allocations

The mix of funds in each Starting Option is shown in the table below.

Cautious Balanced Adventurous Comment
Henderson Cash fund 85% 30% 5% The Cash Fund invests primarily in short term deposits and money market instruments. The fund focus is capital protection with some limited income potential.
Vanguard Global Equities fund 10% 45% 60% The Global Equity Fund aims to invest almost 100% of its assets in UK and non-UK stocks (including emerging markets). The Fund will seek to gain exposure to global equity markets by tracking major equity indices, although the UK stock market will be among the larger exposures held within the fund.
BlackRock Global Property Securities fund 5% 25% 35% The Property Fund seeks to achieve capital growth by tracking the performance of an index made up of the shares of leading property companies which are listed on the global equity markets.

Please note that our Junior ISA app offers the same starting options listed above. For more information about our Junior ISA app, please visit the Junior ISA FAQ section or contact our team via

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It's important you know

As with all investing, the value of your investments will rise and fall at times and you could get back less than you invested.