Royal Bank Invest makes investing simple
The value of investments can go down as well as up, your capital is at risk. Eligibility criteria, fees and charges apply.
What is Royal Bank Invest
Royal Bank Invest is an online investment service. It provides five ready-made investment funds to choose from.
You can choose a fund yourself from ‘low’ to ’high’ risk or you can get online automated advice. There is a £10 fee if you take our advice.
By using your stocks and shares ISA allowance, you can invest for potential tax-efficient growth on your money.
Check out this short video to find out what Royal Bank Invest is
Already a Royal Bank Invest customer?
Why Royal Bank Invest
Your investments with Royal Bank Invest have the potential to grow over the long term.
Experts from Coutts & Co. decide the best place to invest your money. Investing in a low-cost way and ensuring your investment stays at a risk level you are comfortable with.
The funds can invest in a mix of assets including company shares and bonds (loans to governments or companies) and in different parts of the world. This can help reduce risk as it means your money relies less on one company, country or type of asset.
Tax-efficient investment from a stocks and shares ISA
A stocks and shares ISA is different to a general investment account because any growth in the value of your investment is tax-efficient. As well as this, you don’t have to declare ISAs on your tax return.
Its tax benefits can mean that a stocks and shares ISA could help your investment grow faster over time.
- You can put up to £20,000 into an ISA in the 2019/2020 tax year
- There's no UK income or UK capital-gains tax on your investment in a stocks and shares ISA
- Transferring your ISAs held elsewhere to Royal Bank Invest could save you time and money on investment fees.
Tax reliefs referred to are those applying under current legislation, which may change. The availability and value of any tax reliefs will depend on your individual circumstances.
Royal Bank Invest fees, costs and charges
What these cover
Platform Fee
This covers the cost of administration and online access to your Royal Bank Invest account. The maximum you will pay is 0.35% of the value of your investment each year.
Fund Ongoing Charge
This covers the cost of managing your investment. The maximum you will pay is 0.6% of the value of your investment each year.
Transaction Costs
This is the cost of buying and selling shares and other investments that make up the fund. The fund manager estimates, based on actual past costs, that the highest costs that will be incurred for any of the available funds will be 0.15% of the value of the fund each year. These costs will be deducted by the fund manager from the fund’s assets.
These may change in the future.
Log in and explore
Choose how you invest
Make your investment
Contact us for support
If you need any help then don't hesitate to call, our dedicated team of experts are on hand to help.
You can call us on 0345 304 1005
(for text relay, prefix the number with 18001).
Our lines are open Monday to Friday, from 8am to 6pm. We're closed Bank Holidays. Calls may be recorded.
Ready to get started?
Do you have an online Royal Bank account?
Already a Royal Bank Invest customer?
If you're already a Royal Bank Invest customer, you can track the progress of your investment as and when you want with your online investment account.
Any questions?
Get the latest fund information, including:
- Fund performance
- Market update
- Fund positioning and outlook
Check fund performance
Yes.
You can choose to transfer any existing ISAs you have to Royal Bank Invest.
If you need advice deciding whether you should transfer, we're sorry but we can't help - our automated advice service only offers advice on investing your spare income and savings.
Coutts & Co do the investment management.
Made up of more than 60 investment specialists, the team at Coutts includes economists and investment analysts with years of experience managing money.
The five funds are provided by RBS Asset Management (Dublin) Limited.
Before investing you should consider:
Setting aside enough money in accessible savings to cover any emergencies - an amount of around 4 times your essential monthly expenditure is typically about right.
If your existing insurance and pension arrangements are sufficient for your needs.
Paying off any high interest debts that your money would be better used to repay.
You can make withdrawals at any time but generally the longer you invest for the more chance there is for growth on you investment. So if you invest you should be prepared to do so for 5 years or more.
The value of investments can go down as well as up. This means you could get back less than your original investment. New to investing? Learn more about the difference between saving and investing before you start to invest.
The assets held within each of the Personal Portfolio Funds are held separately from the bank by an independent company called a depositary, which is authorised by the Central Bank of Ireland. So your investments would be safe even if Royal Bank of Scotland failed. Your investments through Royal Bank Invest may also be covered by the Financial Services Compensation Scheme in some scenarios.