Investing with Moneybox

Make your money work harder over the long term with a Moneybox investing account. Choose from three simple Starting Options, or customise your portfolio with top US stocks, funds, and ETFs.

With a range of investing accounts, get started today with as little as £1.

Capital at risk. All investing should be long term. The value of your investments can go up and down, and you may get back less than you invest.
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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 guide to 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 interest until you’re ready to invest it.

*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.

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.

Turn your money into something greater

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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 ESG.

Best for

  • Beginner investors
  • Keeping it simple

Custom 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
Moneybox Stocks & Shares ISA

Join over 1 million people building wealth 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), including a Global Shares ESG variant for each, so all you have to do is pick one.

Global Shares ESG

Cautious

Aims for modest growth with low-risk investments.

  • Global shares 15%
  • Global property shares ESG 5%
  • Corporate bonds ESG 20%
  • Government bonds 20%
  • Cash fund 40%
Cautious

Aims for modest growth with low-risk investments.

  • Global shares ESG 15%
  • Global property shares ESG 5%
  • Corporate bonds ESG 20%
  • Government bonds 20%
  • Cash fund 40%
Balanced

Aims for more growth with medium-risk investments.

  • Global shares 65%
  • Global property shares ESG 10%
  • Corporate bonds ESG 25%
Balanced

Aims for more growth with medium-risk investments.

  • Global shares ESG 65%
  • Global property shares ESG 10%
  • Corporate bonds ESG 25%
Adventurous

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

  • Global shares 80%
  • Global property shares ESG 15%
  • Corporate bonds ESG 5%
Adventurous

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

  • Global shares ESG 80%
  • Global property shares ESG 15%
  • Corporate bonds ESG 5%

Starting Option performance

Global Shares ESG

£1,000 invested in 2015 followed by contributions of £50 a month, would be worth £8,458.98 at the end of 2024.

£1,000 invested in 2015 followed by contributions of £50 a month, would be worth £8,436.88 at the end of 2024.

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.

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 2015 followed by monthly deposits of £50. Please note, past performance is not a reliable guide to future gains. You may get back less than you invest.

Source: Morningstar, MSCI

Annual returns are net of fees and based on the scenario of £1,000 invested in 2015 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. Please note, past performance is not a reliable guide to future gains. You may get back less than you invest.

Source: Morningstar, MSCI

£1,000 invested in 2015 followed by contributions of £50 a month, would be worth £11,971.71 at the end of 2024.

£1,000 invested in 2015 followed by contributions of £50 a month, would be worth £11,882.81 at the end of 2024.

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.

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 2015 followed by monthly deposits of £50. Please note, past performance is not a reliable guide to future gains. You may get back less than you invest.

Source: Morningstar, MSCI

Annual returns are net of fees and based on the scenario of £1,000 invested in 2015 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. Please note, past performance is not a reliable guide to future gains. You may get back less than you invest.

Source: Morningstar, MSCI

£1,000 invested in 2015 followed by contributions of £50 a month, would be worth £12,982.96 at the end of 2024.

£1,000 invested in 2015 followed by contributions of £50 a month, would be worth £12,872.09 at the end of 2024.

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.

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 2015 followed by monthly deposits of £50. Please note, past performance is not a reliable guide to future gains. You may get back less than you invest.

Source: Morningstar, MSCI

Annual returns are net of fees and based on the scenario of £1,000 invested in 2015 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. Please note, past performance is not a reliable guide to future gains. You may get back less than you invest.

Source: Morningstar, MSCI

Our funds

Global Shares

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

Fund fee 0.13% i
Incl. transaction costs
Find out more

Global Shares ESG

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

Fund fee 0.20% i
Incl. transaction costs
Find out more

Global Health & Pharmaceuticals Shares

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

Fund fee 0.35% i
Incl. transaction costs
Find out more

Global Property Shares ESG

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

Fund fee 0.32% i
Incl. transaction costs
Find out more
View all funds

Moneybox investing accounts

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

  • Stocks & Shares ISA

    Invest up to £20,000 per tax year across a range of funds with tax-free gains.

    Capital at risk. Tax rules apply.

  • Stocks & Shares Lifetime ISA (LISA)

    Invest up to £4,000 per tax year towards your first home and get a 25% government bonus.

    Govt. withdrawal charge may apply.

  • General Investment Account (GIA)

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

    Tax rules apply.

  • 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.

    Pension and tax rules apply. Capital at risk.

Fees

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

Learn more about investing

Learn more

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.

Do you give financial or investment advice?

We aren’t able to offer financial advice, so you’ll need to make sure that your investment allocations are right…

What can I invest in?

Moneybox has worked with experts to offer you three Starting Options – Cautious, Balanced and Adventurous. All you need…

What is a KIID?

A KIID (Key Investor Information Document) is an information sheet provided by the fund manager that includes all the…

Is my money secure?

We are authorised and regulated by the Financial Conduct Authority (FCA) with firm reference number 712935 (and number 792703…
View all FAQs

It's important you know

Capital at risk. All investing should be for the longer term. The value of your investments can go up and down, and you may get back less than you invest.

Tax treatment depends on individual circumstances and may be subject to change in the future.

A 25% government penalty applies if you withdraw money from a Lifetime ISA for any reason other than buying your first home (up to £450,000) or for retirement, and you may get back less than you paid into your Lifetime ISA.

Payments you make into your pension won’t be accessible until the minimum pension age (currently 55, increasing to age 57 from 2028). Tax treatment depends on individual circumstances and may be subject to change in the future.

It's important you know

Capital at risk. All investing should be for the longer term. The value of your investments can go up and down, and you may get back less than you invest. Tax treatment depends on individual circumstances and may be subject to change in the future.

A 25% government penalty applies if you withdraw money from a Lifetime ISA for any reason other than buying your first home (up to £450,000) or for retirement, and you may get back less than you paid into your Lifetime ISA.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Payments you make into your pension won’t be accessible until the minimum pension age (currently 55, increasing to age 57 from 2028). Tax treatment depends on individual circumstances and may be subject to change in the future.

For Business Saver: T&Cs apply. Max one withdrawal per day.

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