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.

UK Shares: FTSE All Share5.4%
Cash1.9%

The chart shows the 10 year average return between investing in the FTSE 100 All Share and the Bank of England base rate. Remember, past performance is not a reliable guide to future performance.

Source: Barclays Equity Gilt Study 2015. This chart 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 £6,994 at the end of 2015.

Return per year (%)
Cautious starting point performance graph Remember, past performance is not a reliable guide to future performance. This chart is inclusive of fees and based on the scenario of a £1,000 initial contribution and monthly contributions of £50. Source: Morningstar.

£1,000 invested in 2007 followed by contributions of £50 a month, would be worth £8,662 at the end of 2015.

Return per year (%)
Balanced starting point performance graph Remember, past performance is not a reliable guide to future performance. This chart is inclusive of fees and based on the scenario of a £1,000 initial contribution and monthly contributions of £50. Source: Morningstar.

£1,000 invested in 2007 followed by contributions of £50 a month, would be worth £9,406 at the end of 2015.

Return per year (%)
Adventurous starting point performance graph Remember, past performance is not a reliable guide to future performance. This chart is inclusive of fees and based on the scenario of a £1,000 initial contribution and monthly contributions of £50. 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.

Amount invested £2,000
Per month
Moneybox subscription feeFirst 3 months free £1.00
Moneybox platform fee £0.75
Fees paid to Moneybox £1.75
Fund provider feesBlackRock, Henderson and Vanguard £0.38
Total feesAnnual fees as a percentage of amount invested £2.131.28%

You pay a subscription fee of £1/month (with the first 3 months free).

You pay a platform fee of 0.45% per year (charged monthly).

We’ve included fees charged by the fund providers (these range between 0.22% to 0.24%) for complete transparency.

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.