Overlay

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.

The value of investments can go down as well as up, your capital is at risk. Eligibility criteria, fees and charges apply.

On this page

What is Royal Bank Invest

Why Royal Bank Invest

Royal Bank Invest fees, charges and costs

How to start Royal Bank Invest

Start Royal Bank Invest

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?

Log into Royal Bank Invest

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
Steady & sound
Bold & balanced
Optimistic & assured
Daring & determined

Cautious & careful OpenClose

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?

More detail Close

Meet the fund

If PPF1 was a person, it would always take the lowest-risk option. Same holiday destination every year, same clothing range every time, same order from the same takeaway. At the same time, it would always remember that sometimes things change, and that it’s not always possible to be completely ‘risk-free’.

Who is it for?

Anyone who likes order, structure and a certain amount of control. Remind you of anyone? If this sounds like your nice quiet cup of tea in a comfy armchair, PPF1 could be for you.

PPF 1 in detail

Steady & sound OpenClose

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.

More details Close

Meet the fund

PPF2 would be someone who likes a change now and then. Maybe trying a new kind of wine or adding an extra teaspoon of chilli powder. We’re not talking skydiving — just having a go at something new to see if it works, and accepting the outcome if it doesn’t.

Who is it for?

Anyone who doesn’t mind the idea of taking a chance, you’re not abandoning all caution here, but you don’t mind the thought of taking a chance. Sound about right? If so, PPF2 might be something you’d like to try.

PPF2 in detail

Bold & balanced OpenClose

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.

More detail Close

Meet the fund

If PPF3 found itself at a party, it would most naturally be somewhere between the kitchen and the karaoke. It’s bold, so it doesn’t mind making its presence felt, but at the same time it’s not going to put itself all the way out there.

Who is it for?

If you’re up for getting fully involved in things, but not outside your comfort zone, PPF3 could be the one for you.

PPF3 in detail

Optimistic & assured OpenClose

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.

More detail Close

Meet the fund

Most of us know that person who looks at the payoff, not the risk. If they think it’s worthwhile, they’re 100% taking the chance. That’s PPF4 – it’d be the kind of person who signs up for that Glasgow – Edinburgh bike ride, knowing they’ll raise loads for charity even if they’re sore at the end.

Who is it for?

People who don’t mind extra spice, but draw the line at eating raw chillies. They’re explorers, they’ll check out different ways to reach their goals. If that’s a bike ride you can saddle up for, PPF4 might be for you.

PPF4 in detail

Daring & determined OpenClose

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.

More detail Close

Meet the fund

You’d only let this fund choose a holiday for you if you were ready to go off the beaten track. You’d be off exploring remote regions, volunteering on wildlife sanctuaries — basically, you’d be having an adventure.

Who is it for?

PPF5 is all about being willing to take a big risk for the prospect of a big reward. There might be the chance that it won’t pay off, but they’d rather focus on the chance that it will. If that feels like your kind of adventure, PPF5 could be for you.

PPF5 in detail

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.

Become a Royal Bank customer

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?

Fund performance

Can I transfer my existing ISA to Royal Bank Invest?

Who looks after my money?

Is there anything I should consider before start investing?

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.

How are my investments with Royal Bank Invest protected?

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.

For more details click here

Contact us

Unfortunately due to the current environment our contact centre has temporarily closed. If you're already investing with us please log into your Royal Bank Invest account for day to day transactions.

If you still wish to speak to us, we are operating an email or call back service. Please email your name and phone number to rbihelpdesk@rbs.co.uk and we’ll contact you as soon as possible. Please do not include any sensitive information in your email.

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?

Why Royal Bank Invest?

What's the right investment for you?