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 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. 

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.

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. 

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?

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.

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