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 Share9.2%
Cash1.4%

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 £7,963 at the end of 2016.

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. Where the fund has a shortened performance history, we have used the appropriate index to simulate performance of the selected fund. Source: Morningstar.

£1,000 invested in 2007 followed by contributions of £50 a month, would be worth £10,899 at the end of 2016.

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. Where the fund has a shortened performance history, we have used the appropriate index to simulate performance of the selected fund. Source: Morningstar.

£1,000 invested in 2007 followed by contributions of £50 a month, would be worth £12,322 at the end of 2016.

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. Where the fund has a shortened performance history, we have used the appropriate index to simulate performance of the selected fund. 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.

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
Charged annually, billed monthly
0.23%
average
No withdrawal
or exit costs

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.