-

Plan & Invest

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.

Receive a personalised Investment Plan

Our professionals select and manage your investments

You should be willing to invest for a minimum of five years but you can withdraw the value of your investment at any time. However, investments may fall in value and, if you withdraw early, there may not be enough time to have a reasonable chance of recovering those losses. Losses will also be more likely if you stop investing early

All-in annual costs range between 1.39% and 1.59% p.a. (per annum) based on the value of your investments

UK based phone support

Minimum investment amount of £5,000 by cash or ISA transfer. You should carefully consider the implications of transferring before doing so. You can find out more in our FAQs

Available to Barclays current account holders

Track progress towards your goal in Online Banking.

To use Plan & Invest you must be over 18, a UK tax resident and not a US person.

How does Plan & Invest work?

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.

2.

We do the hard work

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.

3.

We’ll stay in touch

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.

Any questions?

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.

How do you get your personalised Investment Plan?

Tell us about yourself

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:

Your investment goals

Your finances

How you feel about taking risk

Your annual ISA allowance.

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.

We'll create your personalised Investment Plan

The Plan will show you:

How much you can afford to invest straight away and on a monthly basis

The likelihood of reaching your goal, if you’ve set one up and what you can do to boost your investments

The investment strategy we believe is right for you and how we’ll adjust it as you get closer to the time you want to use the money generated by your investments

The combination of ISA and/or Investment Account we’ll open for you so that you’re investing in a tax-efficient way. We’ll use an ISA first when appropriate. Although, please be aware that tax rules can change in future and that their effects on you will depend on your individual circumstances.

Behind the scenes

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 some of the best in the world

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.

We'll make sure your eggs aren't all in one basket

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.

We'll monitor your investments regularly

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 see an opportunity we'll act

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.

How much will it cost?

The total cost is the combination of our service costs and product costs.

Service 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.

Representative example

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.