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Barclays Plan & Invest

Made-for-you investing, made easy

This page will help you understand how Plan & Invest works and whether it’s right for you. After reading this, if you’re unsure if this service is right for you, you should seek independent advice. Remember, unlike cash savings, the value of investments can fall as well as rise and you may get back less than you invest.

With interest rates so low, now is a great time to consider investing to make your money work harder.

And, if you don’t know where to start, or you simply don’t have time to manage your own investment portfolio, we have an option that could be for you.

Welcome to our personalised digital investing service, Plan & Invest, where you leave everything in the hands of our experts. They’ll create and manage an investment portfolio entirely tailored to you.

How does Plan & Invest work?

Tell us about yourself

  • To get started, simply answer a series of questions to help us get to know you and your appetite for risk
  • Your answers are saved for 30 days, so you can complete it when it suits you
  • Once completed, we’ll create an Investment Plan tailored to you based on the information you’ve provided.
2.

We’ll get you invested

  • When you’re ready, pay into your new Plan & Invest account and we’ll start investing for you
  • Start with £5,000 or take three months to build it up. This minimum amount allows us to manage your investments cost-efficiently
  • If you like, you can choose to set up regular monthly payments from your current account.

Leave it to us

  • We’ll manage your investments for you, including making any tweaks as the markets go up and down
  • You can keep an eye on how your investments are performing at any time via Online Banking or in the Barclays app
  • Every few months we’ll check in to keep you updated on how your investments are going, and if your circumstances change, simply let us know and we’ll update your plan to reflect your new priorities.

Watch our video to find out more about how Plan & Invest works.

In the time it takes to make a lovely Bolognese, you could be on your way to getting a Personalised Investment Plan from Barclays Plan & Invest.

Spend half an hour or so answering some questions today, and we’ll help make your money work harder for years to come.

With Plan & Invest, it doesn’t matter what you know or don’t know because our experts take care of everything.

You’ll need at least £5,000 to get started and be looking for ways to make your money work harder than it would in a standard savings account – even if it means taking some risks.

Don’t worry, if your circumstances change, your investments can change too.

You can make one-off payments, set up automatic regular payments or sell your investments at any time.

Starting to sound like a good fit for you?

Well then, start your investment journey with us.

We just need to know about your goals.

Do you have a specific one in mind, or are you simply looking for ways to help your money grow over the long-term?

What do your income and outgoings look like?

Do you have any experience of investing?

(It doesn’t matter if you don’t).

And, how do you feel about risk?

Once we know all that, we can show you what sort of returns you could expect from your investments and provide you with a Personalised Investment Plan that could help you achieve them.

Though remember, the value of investments can fall as well as rise, so you could get back less than you invest.

If you’re unsure, please seek independent financial advice.

Ready to invest a little time to make your money work harder.

Let’s get started Search Barclays Plan & Invest.

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 decide if you want to go ahead.

If you’re unsure if investing is right for you, understanding the benefits and drawbacks of cash savings vs investing is a great place to start.

Why choose Plan & Invest?

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

We'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.

To make your Investment Plan a reality, all we ask is:

  • 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. Transfers can only be made into Plan & Invest in cash and they must be for the full value of the ISA. For more information, visit our FAQs.

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.

Made-for-you investing, made easy

Apply now to receive your personal Investment Plan today.

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