
A Plan tailored to you
We understand that no two people are the same. Take a bit of time to complete our online questionnaire so we can create an Investment Plan personalised to you.
Investing personalised to you
Many people tell us they find investing complex and time consuming. It can be hard to know where to start and who to trust. Plan & Invest is a new service which creates and manages a personalised Investment Plan just for you. Whether your long-term goal is home improvements, retirement or just building a nest egg, all you have to do is tell us a bit about yourself and then, if you’re ready to invest, let our experts select and manage your investments.
Remember the value of investments can fall as well as rise. You may get back less than you invest. On this page we’ll help you understand if Plan & Invest is right for you and how it works. After reading this, if you’re not sure if this service is right for you, you should seek independent advice.
To use Plan & Invest you must be over 18, a UK tax resident and not a US person.
We understand that no two people are the same. Take a bit of time to complete our online questionnaire so we can create an Investment Plan personalised to you.
The same team of professionals who look after the money of our customers with large sums to invest will manage your investments, based on your personalised Plan.
We won’t fill up your inbox but we’ll keep you updated about how things are going and you can always keep track of your investments online in your Plan & Invest Hub in Online Banking.
We’ve got lots of information in our FAQs but if you’d like to talk to someone, our UK based team are just a phone call away. Call us on 0333 202 7533. Opening hours: Monday – Friday 09:00 – 17:00 (excluding UK bank holidays).
Call charges may apply. Please check with your service provider. To maintain a quality service we may monitor or record phone calls.
To help us make sure your Investment Plan is truly personalised, we ask you a series of questions online.
It’s important that we get this right so we ask you to set aside some time to do this.
We’ll ask you about:
At least once a year we’ll ask you to repeat these steps so that we can make sure you’re always invested in a way that’s right for you. If your circumstances change you can also do this online at any time.
The Plan will show you:
If you decide to invest with us, you can have peace of mind knowing that the professionals looking after your investments are the same ones used by our customers with large sums to invest.
You can hear directly from them about how they select and manage investments in our series of Plan & Invest videos and articles.
We work with the fund managers we believe are amongst the best in the world at what they do, so they can handle the complexity of investing for you.
Our team will make sure your investments are spread across a broad range of companies around the world and that you're not overly invested in one particular location or industry.
They'll also make sure you're always invested in a way that's right for your personal circumstances and that your investments are performing in line with our expectations.
If we spot an opportunity in the markets, we'll make adjustments to your investments to take advantage of it.
Remember the value of investments can fall as well as rise. You may not get back what you invest.
The total cost is the combination of our service costs and product costs.
These costs cover the planning, investing and safekeeping services we provide.
1.14% p.a. of the value of your account(s) payable monthly
+
Product costs between 0.25% - 0.45% p.a. of the value of your investments
These are related to the products you're invested in. The actual amount will depend on the type of investments we select for you in your personalised Investment Plan.
Based on the value of your account(s)
Account value |
Service costs per month |
---|---|
£5,000 (min. investment) |
£4.75 per month |
£20,000 |
£19 per month |
£100,000 |
£95 per month |
Products costs are in addition to the service costs shown above.
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