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Investments

Royal Bank Invest
makes investing simple

Make the most of your 2019/20 £20,000 ISA allowance, invest before 5pm on the 5th April.

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 or you can get online automated advice. There is a £10 fee if you take our advice.

You can invest from £50, make monthly contributions and use your ISA allowance. 

Check out this short video to find out what Royal Bank Invest is. 

 

Already a Royal Bank Invest customer?

Why Royal Bank Invest?

Your investment with Royal Bank Invest has the potential to grow over the long term.

Experts from Coutts & Co. decide the best places to invest your money. They invest in a low-cost way and ensure 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 doesn’t rely on one company, country or type of asset.

What's the right investment for you?

We think investing should be easy, so we’d like to introduce you to five ready-made, online investment funds that help you start investing from just £50. Each one has its own characteristics — just like you do. So if something sounds familiar, that might be the investment fund best suited to you.

Our five investment personalities

Cautious & careful

Cautious and careful

Personal Portfolio 1 Fund (or, as we like to call it, PPF1) is the lowest-risk investment fund we offer. It’s a bit like making a group booking at an Italian restaurant — because everyone likes something from an Italian menu, right?

Steady & sound

Steady and sound

Personal Portfolio 2 Fund (we prefer PPF2 for short), takes a wee step up the risk ladder — and we really mean a wee step. Think of it like driving to work a different way. You might get there quicker, you might not. Either way, it doesn't represent a huge risk in life.

Bold & balanced

Bold and balanced

Personal Portfolio 3 Fund (just call it PPF3) puts more focus on higher-risk investments. It’s maybe on a level with someone considering a new hobby, like indoor climbing, but not without all the right safety gear.

Optimistic & assured

Optimistic and assured

If Personal Portfolio 4 Fund (guess what – we call it PPF4) was a person, they’d be the kind who takes the training wheels off their bike before they’ve mastered riding it. Sure, it means more bruises, but it also means faster results.

Daring & determined

Daring and determined

Personal Portfolio 5 Fund (we much prefer PPF5) is a bold adventurer. If it was on holiday with friends it’d be the one off shark diving without a cage while everyone else stayed sensibly on the boat.

Stocks and Shares ISA

You can choose to hold your Personal Portfolio Fund in an ISA or a General Investment Account.

Holding it in an ISA means you don’t need to pay UK income tax on any income produced by your fund. It means you don’t need to pay Capital Gains Tax on any increase in the value of your fund.

You can invest up to £20,000 in an ISA in the 2019/20 tax year (this is the total for both Cash ISAs and Stocks and Shares ISAs). Don't forget the tax year ends on the 5th April. You'll need to invest before 5pm on the 5th. 

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.

General Investment Account

There is no limit on the amount you can invest in the Royal Bank Invest General Investment Account but income tax and Capital Gains Tax are potentially payable.

 

Fees, costs and charges

How to start investing

Log in and explore

Log into Royal Bank Invest and start to explore the options available to you. You'll also be able to look at a forecast of how your investment could perform.

Choose how you invest

First decide how much you want to invest. Then choose your fund, and whether you’d like to invest using a stocks and shares ISA. Alternatively, get online automated advice.

Make your investment

Complete your application online.

Ready to get started?

You’ll need to be a Royal Bank customer with Digital Banking, aged 18 - 84 and a UK resident for tax purposes to continue.

Do you have an online Royal Bank account?

Great. Use your details to login

You will need your Digital Banking details to continue

Forgotten any of your login details? No worries, we can help.

You'll need to be a Royal Bank customer with Digital Banking to continue

Setting it up should only take a few steps. 

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?