So, you want to invest?

Investing can seem complex, but the key to success starts with understanding what you do – and don’t – know.

There’s an old saying that goes: ‘there are known knowns, known unknowns, and unknown unknowns.’ In other words, there are things you know, things you know you don’t know, and things you don’t even realise you don’t know!

When it comes to investing, those ‘unknown unknowns’ are the unpredictable factors – like stock market fluctuations or interest rate changes. The ‘known knowns’ are the things you feel confident about – like understanding basic investing terms. And the ‘known unknowns’ are the areas where you might need to build your knowledge.

Knowing where you stand is a great first step. Whether you’re just getting started or you’re already comfortable navigating the markets, Moneybox is here to help.

Answering these questions could gauge your investing confidence:

  • Do you keep up with financial news?
  • Do you discuss investing with friends or family?
  • Can you confidently chat about market trends?
  • Do you understand key terms like ‘dividend’ and ‘market index’?
  • Are you aware of the different risk levels of asset classes?
  • Do market declines make you nervous?
  • Do you know that investing works best over the long term (5+ years)?
  • Do you feel comfortable managing your own investment choices?

If you answered ‘no’ to most of these, our Starting Options could be a great way to begin.

 

Starting Options

If you’re new to investing, our Starting Options offer an easy way to begin. They’re ready-made portfolios of tracker funds, designed by experts to match different risk levels.

What are tracker funds?

Tracker funds follow the performance of a market index. For example, our Fidelity Index World Fund tracks the MSCI World Index, giving you exposure to over 1,000 global companies in different sectors. Like all our funds, they’re passively managed, meaning Moneybox doesn’t adjust their composition day-to-day.

Choose your Starting Option:

  • Cautious: Aims for modest growth with lower risk investments.
  • Balanced: Aims for more growth with a medium level of risk.
  • Adventurous: Aims for the highest potential growth by taking on more risk.

Learn more about investing with Moneybox

 

Customise allocations

Feel confident in your investing knowledge? With our ‘Customise allocations’ feature, you can tweak your Starting Option and tailor your portfolio to your preferences.

How you customise is entirely up to you. Before making changes, be sure to read the Key Investor Information Document (KIID) for each fund, which outlines its risk level and other details.

Explore our fund range

 

Ready to start investing?

To start investing with Moneybox, you’ll need to open an investing account. If your goal is to grow your money over time, a Stocks & Shares ISA could be a great option. It’s a tax-efficient way to invest, allowing you to invest up to £20,000 each tax year without paying tax on gains.

If you’ve maxed out your ISA allowance, you can continue investing through a General Investment Account (GIA), which has no investment limit but doesn’t offer tax benefits.

Got a specific investment goal? If you’re saving for a first home, you might consider a Stocks & Shares Lifetime ISA. If you’re saving for retirement, check out a Personal Pension.

Whichever route you take, Moneybox makes it easy to start investing and build towards your financial goals. Get started today.

 

Capital at risk. Investing should be long term, and consider an emergency savings buffer. Fees apply. ISA & tax rules apply. Other accounts available.

For S&S LISA, capital at risk. Govt. withdrawal charge may apply. ISA and tax rules apply. 

For Personal Pension, Capital at risk. Pension and tax rules apply.