Why invest?
Investing can be a great way to grow your money, and can offer higher long term returns than leaving your money in a current or saving account.
The chart shows the 10 year return from investing in the FTSE 100 All Share and the Bank of England base rate. £1,000 invested in 2008 would have been worth £2,469 ten years later. Remember, past performance is not a reliable guide to future performance. All investing should be regarded as longer term as you may get back less than you invest.
FTSE All-World Total Return GBP, Morningstar. Bank of England base rate, Bank of England. Excludes fees.To help you get started, we’ve worked with experts to put together three simple starting options - cautious, balanced and adventurous.
These starting options are made up of different allocations of the same three tracker funds.
See how our starting points have performed over ten years.
£1,000 invested in 2007 followed by contributions of £50 a month, would be worth £7,963 at the end of 2016.
Return per year (%)
Remember, past performance is not a reliable guide to future performance. All investing should be regarded as longer term as you may get back less than you invest.
Annual returns are net of fees and based on the scenario of £1,000 invested in 2007 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 of the selected fund. This is the case for the Vanguard Global Equity fund prior to June 2011, the iShares Global Property Equity fund prior to November 2010, and the Henderson Cash Fund prior to August 2008. Source: Morningstar.
£1,000 invested in 2007 followed by contributions of £50 a month, would be worth £10,899 at the end of 2016.
Return per year (%)
Remember, past performance is not a reliable guide to future performance. All investing should be regarded as longer term as you may get back less than you invest.
Annual returns are net of fees and based on the scenario of £1,000 invested in 2007 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 of the selected fund. This is the case for the Vanguard Global Equity fund prior to June 2011, the iShares Global Property Equity fund prior to November 2010, and the Henderson Cash Fund prior to August 2008. Source: Morningstar.
£1,000 invested in 2007 followed by contributions of £50 a month, would be worth £12,322 at the end of 2016.
Return per year (%)
Remember, past performance is not a reliable guide to future performance. All investing should be regarded as longer term as you may get back less than you invest.
Annual returns are net of fees and based on the scenario of £1,000 invested in 2007 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 of the selected fund. This is the case for the Vanguard Global Equity fund prior to June 2011, the iShares Global Property Equity fund prior to November 2010, and the Henderson Cash Fund prior to August 2008. Source: Morningstar.
Fees
Our fees are structured to make it possible for you to invest little and often, whether it's £5 a month or £500.
| Subscription fee Charged monthly |
£1 | Free for first 3 months |
| Platform fee Charged annually, billed monthly |
0.45% | No trading or transaction costs |
| Fund provider fees Charged annually, billed monthly |
0.23% average |
No withdrawal or exit costs 
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