What are Moneybox funds?
Moneybox funds are our own range of ready-made, multi-asset investment funds - offered in partnership with Amundi, the largest European asset manager.
You'll pay our lowest service fee with Moneybox funds - meaning more of your money stays with you. This lower service fee applies to our investing accounts: Stocks & Shares ISA, General Investment Account, Stocks & Shares Lifetime ISA, Junior ISA.
Service fee: 0.15% (vs 0.45% for other investments on our platform).
Fund fee: 0.29% (this varies for other funds on our platform).
To coincide with the launch of Moneybox funds for our investing accounts, we’ve also waived our £1 monthly subscription fee if you have £5,000 or more in Moneybox investing accounts. This is already true if you have £5,000 or more in a Cash ISA, Open Access Cash ISA, and/or Simple Saver.
Built with Amundi
We've partnered with Amundi, the largest European asset manager, to create our Moneybox funds. Amundi looks after over £2 trillion worldwide and runs the funds from Dublin with a team of eight portfolio specialists averaging 17 years each in the industry.
They pair Amundi's investment expertise with our understanding of how our customers actually save and invest. Each fund is structured as a 'fund of funds', so it benefits from multiple levels of oversight, and it's actively managed by the experts at Amundi, drawing on decades of investing expertise and their world-leading investment research institute.
Inside, each fund holds ETFs - low-cost, easy-to-follow funds that spread your money across hundreds of investments. Amundi decides how much goes where, reviewing the mix yearly, adjusting it quarterly, and monitoring it daily.
The Moneybox funds
Cautious
This fund mostly invests in bonds with a smaller slice, up to 35%, in company shares from around the world.
Your money is spread across bonds and shares from the US, Europe, Asia and other major markets, with a touch of gold thrown in to help smooth things out. Because it leans more heavily on bonds, it tends to be less bumpy when stock markets wobble, though it won't shoot up as fast when share prices are booming.
It could suit you if you'd rather keep things calm and steady, rather than chase the biggest possible gains.
Balanced
This fund splits your money more evenly between bonds and shares, aiming for a nice middle ground.
It's invested across markets in the US, Europe, Asia, and emerging economies like China and India, giving your money plenty of places to grow. It's built to smooth out some of the market's ups and downs while still leaving room for growth, sitting between the Cautious and Adventurous funds.
It could suit you if you're comfortable with a few bumps along the way in exchange for a shot at stronger long-term growth.
Adventurous
This fund is mostly invested in shares - at least 70% - with a small slice in bonds, commodities, and cash to help cushion things.
Your money is spread across major markets including the US, Europe, and other regions worldwide, giving it broad exposure to global growth. Because it leans into shares, it can climb faster when markets are rising, but it can also fall further when they're not.
It could suit you if you're happy to ride out bigger swings in value, in exchange for the best chance of stronger growth over the years.