Investing made easy

Start investing with just £1 and track the market performance of global companies like Google, Apple and Netflix via simple tracker funds. Choose from our three diversified Starting Options, including a socially responsible option, or build your own portfolio from a range of funds.

Join more than 650,000 customers investing with Moneybox for their future.

Why invest?

Investing vs. saving

  • 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 savings account.
  • £1,000 invested at the end of 2010 would be worth £2,193 at the end of 2020, compared to just £1,185 if saved in cash.
  • Investing returns are based on our Balanced portfolio and include all fees. 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 Fidelity Global Equity fund prior to March 2014, the iShares Global Property Equity fund prior to October 2014, and the iShares Global Corporate Bond fund prior to January 2012. Cash returns are based on the best available cash interest rates at the beginning of each year. Both the potential risk and potential reward is greater with investing. It should be regarded as longer term (at least 5 years) and you may get back less than you invest. Past performance is not a reliable guide to future performance. Sources: Morningstar, MSCI.

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.

 

Best for

  • Intermediate or experienced investors
  • More control over investment funds
Explore all Moneybox funds

Learn more about investing with Moneybox

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What's in our Starting Options?

We’ve worked with experts to put together three simple Starting Options – Cautious, Balanced and Adventurous – so all you have to do is pick one.

Cautious

Aims for modest growth with low risk investments.

  • Global shares / (SR) 15%
  • Global property shares 5%
  • Corporate bonds 20%
  • Government bonds 20%
  • Cash fund 40%
Balanced

Aims for more growth with medium risk investments.

  • Global shares / (SR) 65%
  • Global property shares 10%
  • Corporate bonds 25%
Adventurous

Aims for the highest investment growth by accepting a greater level of risk.

  • Global shares / (SR) 80%
  • Global property shares 15%
  • Corporate bonds 5%

Starting Options performance

Socially Responsible

Starting Options’ annual return over 10 years.

£1,000 invested in 2011 followed by contributions of £50 a month, would be worth £8,955 at the end of 2020.

Return per year (%)

Starting Options’ annual return over 10 years.

£1,000 invested in 2011 followed by contributions of £50 a month, would be worth £8,956 at the end of 2020.

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.

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 2011 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 Fidelity Global Equity fund prior to March 2014, the iShares Global Property Equity fund prior to October 2014, the iShares Global Corporate Bond fund prior to January 2012 and iShares Global Bond fund prior to January 2012. Source: Morningstar, MSCI

Annual returns are net of fees and based on the scenario of £1,000 invested in 2011 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 Old Mutual ESG Global Equity fund prior to December 2018, the iShares Global Property Equity fund prior to October 2014, the iShares Global Corporate Bond fund prior to January 2012 and iShares Global Bond fund prior to January 2012. Source: Morningstar, MSCI

Starting Options’ annual return over 10 years.

£1,000 invested in 2011 followed by contributions of £50 a month, would be worth £12,302 at the end of 2020.

Return per year (%)

Starting Options’ annual return over 10 years.

£1,000 invested in 2011 followed by contributions of £50 a month, would be worth £12,304 at the end of 2020.

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.

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 2011 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 Fidelity Global Equity fund prior to March 2014, the iShares Global Property Equity fund prior to October 2014, and the iShares Global Corporate Bond fund prior to January 2012. Source: Morningstar, MSCI

Annual returns are net of fees and based on the scenario of £1,000 invested in 2011 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 Old Mutual ESG Global Equity fund prior to December 2018, the iShares Global Property Equity fund prior to October 2014, and the iShares Global Corporate Bond fund prior to January 2012. Source: Morningstar, MSCI

Starting Options’ annual return over 10 years.

£1,000 invested in 2011 followed by contributions of £50 a month, would be worth £12,960 at the end of 2020.

Return per year (%)

Starting Options’ annual return over 10 years.

£1,000 invested in 2011 followed by contributions of £50 a month, would be worth £12,963 at the end of 2020.

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.

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 2011 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 Fidelity Global Equity fund prior to March 2014, the iShares Global Property Equity fund prior to October 2014, and the iShares Global Corporate Bond fund prior to January 2012. Source: Morningstar, MSCI

Annual returns are net of fees and based on the scenario of £1,000 invested in 2011 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 Old Mutual ESG Global Equity fund prior to December 2018, the iShares Global Property Equity fund prior to October 2014, and the iShares Global Corporate Bond fund prior to January 2012. Source: Morningstar, MSCI

Our funds

Fidelity Index World

Track the global stock market with shares in more than 1,600 companies like Apple and Amazon.

Fund fee 0.15% i
Incl. transaction costs
Find out more

Old Mutual MSCI World ESG Index

Invest in global companies that score highly on environmental, social and governance (ESG) factors.

Fund fee 0.24% i
Incl. transaction costs
Find out more

Legal & General Global Health & Pharmaceuticals Index

Champion the healthcare sector by investing in companies like Johnson & Johnson and Pfizer.

Fund fee 0.28% i
Incl. transaction costs
Find out more

iShares Global Property Equity

Gain exposure to over 300 property companies across a range of industries, from residential to retail.

Fund fee 0.28% i
Incl. transaction costs
Find out more

Moneybox investing accounts

Open an investment account in minutes and get started with just £1.

  • General Investment Account (GIA)

    Great if you’ve reached your £20k ISA limit with no limit on investments. Gains are taxable.

  • Personal Pension (SIPP)

    Find and combine your old pensions, decide how your pension portfolio is invested, and get free 25% government top-ups on contributions.

Fees

We believe in being fair and transparent, so we've set out the fees you'll pay for our Stocks & Shares ISA in the table below.
These fees cover all trading and transaction costs. You can withdraw free of charge.

  • Monthly subscription fee
    This is waived for the Moneybox Pension. This covers all investment accounts. E.g. If you have a Stocks & Shares ISA and a General Investment Account, you will pay £1 in total each month.
    £ 1

    Free for the first 3 months

  • Moneybox platform fee0.45%

    Charged monthly

    • Pension - Balances up to £100,000 0.45%

    • Pension - Balances over £100,000 0.15%

  • Annual fund provider costs0.12% - 0.58%

    Charged directly by fund providers. Incl. transaction costs.

Investing FAQs

Read more information about investing with Moneybox.

If you have any questions, please chat to us in the app or email us via support@moneyboxapp.com.

View all FAQs

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Investing Academy

It's important you know

All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest.

Risk Warning
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