Why invest?

Over 150,000 customers use Moneybox to invest towards the things that matter most to them in life. 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.

Cash vs Shares

The chart shows return on the FTSE All World and the Bank of England base rate from 2008 to 2018. £1,000 invested in 2008 would have been worth £2,384 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 a range of tracker funds.

See how our starting points have performed.

£1,000 invested in 2010 followed by contributions of £50 a month, would be worth £7,836 at the end of 2018.

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 2010 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.

£1,000 invested in 2010 followed by contributions of £50 a month, would be worth £10,012 at the end of 2018.

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 2010 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.

£1,000 invested in 2010 followed by contributions of £50 a month, would be worth £10,430 at the end of 2018.

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 2010 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.

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 & costs (incl. transaction costs)
Charged annually, billed monthly
0.12% to 0.30% depending on fund choice No withdrawal
or exit costs

For more information about our fees please see our Terms & Conditions.

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.

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