Investing with Moneybox

We’ve brought our range of Starting Options, funds, and US stocks together to help you achieve more with your money over the long term.

Plus, you can open a Moneybox Stocks & Shares ISA and earn 3.8% AER (variable) on any cash you set aside – so you’re growing your money before you even start investing.

Ready to turn your money into something greater?

Join more than 1 million customers today!

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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.

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.

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. 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
Learn more about the Moneybox Stocks & Shares ISA

Award-winning app

What's in our Starting Options?

We’ve worked with experts to put together three simple Starting Options (CautiousBalanced and Adventurous), including a socially responsible (SR) global shares option for each, so all you have to do is pick one.

All of our Starting Options contain an SR corporate bonds fund, and an SR global property shares fund.

Socially Responsible

Cautious

Aims for modest growth with low-risk investments.

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

Aims for modest growth with low-risk investments.

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

Aims for more growth with medium-risk investments.

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

Aims for more growth with medium-risk investments.

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

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

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

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

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

Starting Option performance

Socially Responsible

£1,000 invested in 2014 followed by contributions of £50 a month, would be worth £8,319.52 at the end of 2023.

£1,000 invested in 2014 followed by contributions of £50 a month, would be worth £8,322.07 at the end of 2023.

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 2014 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 fund prior to March 2014 and the Global Property Shares ESG fund prior to October 2014.

Source: Morningstar, MSCI

Annual returns are net of fees and based on the scenario of £1,000 invested in 2014 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 and the Global Property Shares ESG fund prior to October 2014.

Source: Morningstar, MSCI

£1,000 invested in 2014 followed by contributions of £50 a month, would be worth £11,434.90 at the end of 2023.

£1,000 invested in 2014 followed by contributions of £50 a month, would be worth £11,445.38 at the end of 2023.

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 2014 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 fund prior to March 2014 and the Global Property Shares ESG fund prior to October 2014.

Source: Morningstar, MSCI

Annual returns are net of fees and based on the scenario of £1,000 invested in 2014 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 and the Global Property Shares ESG fund prior to October 2014.

Source: Morningstar, MSCI

£1,000 invested in 2014 followed by contributions of £50 a month, would be worth £12,287.45 at the end of 2023.

£1,000 invested in 2014 followed by contributions of £50 a month, would be worth £12,300.44 at the end of 2023.

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 2014 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 fund prior to March 2014 and the Global Property Shares ESG fund prior to October 2014.

Source: Morningstar, MSCI

Annual returns are net of fees and based on the scenario of £1,000 invested in 2014 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 and the Global Property Shares ESG fund prior to October 2014.

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 0.12% 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 0.48% 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 0.45% 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 investing accounts in the table below.
These fees cover all trading and transaction costs. You can withdraw free of charge.

  • Monthly subscription fee i
    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 costs

    There are additional fees charged directly by the fund provider. Please check the key investor information document (KIID) for a particular fund for more information.

  • Currency conversion fee0.45%

    The cost of converting GBP to USD and vice versa when buying or selling US stocks from the UK

  • Commission0%

    We don't charge a commission on US stocks

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

Join our community

So far we’ve helped over 1 million people save and invest for their future. Ready to join us?

It's important you know!

* 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.

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

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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