Why invest?

Over 125,000 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 the 10 year return from investing in the FTSE All World and the Bank of England base rate. £1,000 invested in 2008 would have been worth £2,469 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 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. 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 2007 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 of the selected fund. This is the case for the Vanguard Global Equity fund prior to June 2011, the iShares Global Property Equity fund prior to November 2010, and the Henderson Cash Fund prior to August 2008. 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. 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 2007 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 of the selected fund. This is the case for the Vanguard Global Equity fund prior to June 2011, the iShares Global Property Equity fund prior to November 2010, and the Henderson Cash Fund prior to August 2008. 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. 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 2007 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 of the selected fund. This is the case for the Vanguard Global Equity fund prior to June 2011, the iShares Global Property Equity fund prior to November 2010, and the Henderson Cash Fund prior to August 2008. 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 & costs (incl. transaction costs)
Charged annually, billed monthly
0.12% to 0.30% depending on fund choice No withdrawal
or exit costs

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.