Investments

Royal Bank Invest
makes investing simple

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.

Five funds

Low Risk - Personal Portfolio 1 Fund

This is the lowest-risk fund in the range. It has an emphasis towards low-risk assets, such as bonds. The fund invests at least 70% of its value in bonds.

Low to Medium Risk - Personal Portfolio 2 Fund

As the risk increases, the amount invested in lower risk investments, such as bonds reduces. The low to medium risk fund invests at least 50% of its value in bonds.

Medium Risk - Personal Portfolio 3 Fund

The medium risk fund has an increasing exposure to higher risk investments, such as equities. The medium risk fund invests at least 45% of its value in equities.

Medium to High Risk - Personal Portfolio 4 Fund

As risk increases further, so does the exposure to equities. The medium to high risk fund invests at least 65% of its value in equities.

High Risk - Personal Portfolio 5 Fund

This is the highest risk fund in the range with the greatest emphasis on higher risk assets, such as equities. The high risk fund invests at least 90% of its value in equities.

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.

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.

 

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 0.07% 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. 

How to start with Royal Bank Invest

Log in and explore

Log into Royal Bank Invest and start to explore the options available to you. To do this, you’ll need to be a Royal Bank customer with Digital Banking, aged 18-84 and a UK resident for tax purposes to continue.

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.

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?

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?