Investing with Moneybox
We’ve brought our range of Starting Options, funds, and US stocks together to help you achieve more with your money over the long term.
Plus, you can open a Moneybox Stocks & Shares ISA and earn 3.8% AER (variable) on any cash you set aside – so you’re growing your money before you even start investing.
Ready to turn your money into something greater?
Join more than 1 million customers today!
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Why invest?
How is investing different to saving?
The main difference between investing and saving is that investing is for the long term, while saving is for the short term. When you’re investing, you should aim to lock your money away for more than five years to give it time to grow.
This chart shows how investing returns for the Moneybox Balanced Starting Option ‘beat’ the returns of cash savings over a 10-year period.* Just remember, past performance isn’t always a reliable indicator of future returns.
With the Moneybox Stocks & Shares ISA, you can invest in our range of funds and US stocks. Or, you can add money as Available Cash and earn 3.8% AER (variable) until you’re ready to invest it.
Open a Stocks & Shares ISA
Investing with tracker funds
- What is a tracker fund? Also called index or passive funds, tracker funds track the performance of a market index, such as the FTSE 100.
- Gain exposure to a range of global markets and companies for lower costs than investing in individual assets like shares in multiple companies.
- Track the performance of global and emerging markets, and even invest in line with your values across ESG funds.
Investing with Moneybox
There are two ways to invest in our range of passive funds:
Starting Options
Get started with our three simple Starting Options – Cautious, Balanced and Adventurous.
Our Starting Options are made up of a range of diversified tracker funds, with different allocations for each option. All Starting Options include a global shares fund – you can choose for this fund to be Socially Responsible and invest with an ESG strategy.
Best for
- Beginner investors
- Keeping it simple
Customise Allocations
Choose to build your own portfolio by customising your investing allocations and access even more tracker funds.
By selecting to customise your allocations, you’re in control of your portfolio and can invest in line with your values and objectives. Plus, you’ll be able to access our full fund range and US stocks if you’re investing with a Moneybox Stocks & Shares ISA.
Best for
- Intermediate or experienced investors
- More control over investment funds
Award-winning app
What's in our Starting Options?
We’ve worked with experts to put together three simple Starting Options (Cautious, Balanced and Adventurous), including a socially responsible (SR) global shares option for each, so all you have to do is pick one.
All of our Starting Options contain an SR corporate bonds fund, and an SR global property shares fund.
Socially Responsible
Aims for modest growth with low-risk investments.
Aims for more growth with medium-risk investments.
Starting Option performance
Socially Responsible
Starting Options’ annual return over 10 years.
£1,000 invested in 2013 followed by contributions of £50 a month, would be worth £8,207.28 at the end of 2022.
Return per year (%)
Starting Options’ annual return over 10 years.
£1,000 invested in 2013 followed by contributions of £50 a month, would be worth £8,199.62 at the end of 2022.
Return per year (%)
Remember, past performance is not a reliable guide to future performance.
All investing should be regarded as longer-term and you may get back less than you invest.
Remember, past performance is not a reliable guide to future performance.
All investing should be regarded as longer-term and you may get back less than you invest.
Annual returns are net of fees and based on the scenario of £1,000 invested in 2013 followed by monthly deposits of £50. Where available, returns data for the selected funds have been used. Where the fund has a shortened performance history, we have used the appropriate index to simulate performance. This is the case for the Global Shares fund prior to March 2014 and the Global Property Shares ESG fund prior to October 2014. Please note, historic performance is not a reliable indicator of future performance.
Source: Morningstar, MSCI
Annual returns are net of fees and based on the scenario of £1,000 invested in 2013 followed by monthly deposits of £50. Where available, returns data for the selected funds have been used. Where the fund has a shortened performance history, we have used the appropriate index to simulate performance. This is the case for the Global Shares ESG fund prior to December 2018 and the Global Property Shares ESG fund prior to October 2014. Please note, historic performance is not a reliable indicator of future performance.
Source: Morningstar, MSCI
Starting Options’ annual return over 10 years.
£1,000 invested in 2013 followed by contributions of £50 a month, would be worth £11,266.64 at the end of 2022.
Return per year (%)
Starting Options’ annual return over 10 years.
£1,000 invested in 2013 followed by contributions of £50 a month, would be worth £11,236.65 at the end of 2022.
Return per year (%)
Remember, past performance is not a reliable guide to future performance.
All investing should be regarded as longer term and you may get back less than you invest.
Remember, past performance is not a reliable guide to future performance.
All investing should be regarded as longer-term and you may get back less than you invest.
Annual returns are net of fees and based on the scenario of £1,000 invested in 2013 followed by monthly deposits of £50. Where available, returns data for the selected funds have been used. Where the fund has a shortened performance history, we have used the appropriate index to simulate performance. This is the case for the Global Shares fund prior to March 2014 and the Global Property Shares ESG fund prior to October 2014. Please note, historic performance is not a reliable indicator of future performance.
Source: Morningstar, MSCI
Annual returns are net of fees and based on the scenario of £1,000 invested in 2013 followed by monthly deposits of £50. Where available, returns data for the selected funds have been used. Where the fund has a shortened performance history, we have used the appropriate index to simulate performance. This is the case for the Global Shares ESG fund prior to December 2018 and the Global Property Shares ESG fund prior to October 2014. Please note, historic performance is not a reliable indicator of future performance.
Source: Morningstar, MSCI
Starting Options’ annual return over 10 years.
£1,000 invested in 2013 followed by contributions of £50 a month, would be worth £12,071.00 at the end of 2022.
Return per year (%)
Starting Options’ annual return over 10 years.
£1,000 invested in 2013 followed by contributions of £50 a month, would be worth £12,033.39 at the end of 2022.
Return per year (%)
Remember, past performance is not a reliable guide to future performance.
All investing should be regarded as longer term and you may get back less than you invest.
Remember, past performance is not a reliable guide to future performance.
All investing should be long term and you may get back less than you invest.
Annual returns are net of fees and based on the scenario of £1,000 invested in 2013 followed by monthly deposits of £50. Where available, returns data for the selected funds have been used. Where the fund has a shortened performance history, we have used the appropriate index to simulate performance. This is the case for the Global Shares fund prior to March 2014 and the Global Property Shares ESG fund prior to October 2014. Please note, historic performance is not a reliable indicator of future performance.
Source: Morningstar, MSCI
Annual returns are net of fees and based on the scenario of £1,000 invested in 2013 followed by monthly deposits of £50. Where available, returns data for the selected funds have been used. Where the fund has a shortened performance history, we have used the appropriate index to simulate performance. This is the case for the Global Shares ESG fund prior to December 2018 and the Global Property Shares ESG fund prior to October 2014. Please note, historic performance is not a reliable indicator of future performance.
Source: Morningstar, MSCI
