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Prepare for the best

by investing tax efficiently

Barclays Plan & Invest

Start investing to make the most of those special times to come by using your new ISA 2021/22 allowance in an Investment ISA today. The sooner you begin, the sooner you could grow your money, tax efficiently.

Remember, the value of investments can fall. You may get back less than you invest. Tax rules can change, and individual effects vary.

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.

Introducing Plan & Invest

When life feels unpredictable, make your future feel more secure by investing tax efficiently. You could start with an Investment ISA to help your finances grow over the long-term knowing you won’t pay tax on any money your ISA makes.

Use your new £20,000 ISA allowance and start investing for those special moments to come. The sooner you begin, the sooner you could grow your money, tax efficiently.

So how can you make sure you’re investing tax efficiently? Plan & Invest can help. Simply tell us a bit about yourself then, once you’ve successfully completed our online questionnaire, our experts will create and manage 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. It should take around 30 minutes. We’ll ask you about:
• Your investment goals
• Your finances
• How you feel about taking risk
If you have used 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:
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
• 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.

We monitor your plan regularly and keep you informed along the way. And if things change in your life, you can let us know – we’ll alter your plan to reflect your new priorities.

Get started today and build an Investment Plan designed around your goals and personal circumstances. You can apply online or via the Barclays app1.

How does Plan & Invest work?

It’s a new way to invest, where you leave your money in the hands of an expert, so you can get on with the more important things in life. Watch our video below to find out more.

 

To make your investment plan a reality, we ask that:

• You’re a Barclays current account holder aged 18 or over who is a UK tax resident and not a US person
• You’re willing to invest at least £5,000 in cash or by ISA transfer
• You’re willing to invest for a minimum of five years – although you can withdraw the value of your investment at any time – to help you stand a higher chance of making potentially better returns
• You understand, unlike saving cash, investing involves risk. The value of investments can fall as well as rise and you may get back less than you invest
• If you’re planning to invest by ISA transfer, you carefully consider the implications of transferring before doing so
• You’re aware that ''tax-efficient” indicates that growth/income are exempt from UK income or capital gains tax provided all ISA conditions are met. The level and basis of tax can change and the value of tax relief depends on your personal circumstances
• You understand that in order to subscribe to a stocks & shares ISA, you can't have subscribed to another stocks & shares ISA or used your total annual ISA allowance in any combination of a cash ISA, innovative finance ISA and/or lifetime ISA (LISA) during the same tax year.

What does 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

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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.

Just so you know, getting started and receiving your personalised plan doesn’t commit you to investing or transferring any money to us. Once your plan has been made, take some time to look at it and then you can decide if you want to go ahead.

To apply, take the time to complete our online questionnaire, so we can create a personalised Investment Plan tailored to you. This process should take approximately 30 minutes. You can apply online or via the Barclays app1.

Apply for a Plan & Invest account today

If you’d like to find out more, you can find lots of useful information about Plan & Invest here, or you can take a look at our FAQs.

Important Information

  1. The Barclays app is available on eligible Android and iOS devices to Barclays current account holders who have a mobile number and are aged 16 and over. More on the Barclays app