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Smart Investor

Are you on track for a comfortable retirement?

Discover Barclays SIPP today, and build the life you want to live tomorrow.

Investments can fall as well as rise in value.

What can Smart Investor help with?

Start your investment journey

so you can aim to reach your financial goals faster.

Make informed and confident decisions

using the insights from our team of investment experts.

Keep up to speed with latest developments

in global markets and the trends shaping the world today.

Barclays has been helping its customers achieve their financial goals for over 300 years but if you’re still deciding if investing is right for you, understanding the benefits and drawbacks of cash savings vs investing is a great place to start.

The value of investments can fall as well as rise. You may not get back what you invest. On this page you’ll find information about Smart Investor so you’ll be able to decide if it’s right for you, and tips on how to get started. What you won’t find is personal financial advice so if you’re not sure about investing, seek independent advice.

How does it work?

Open your account(s)

Pay in or transfer

Choose your investments*

*We’ve got some ideas if you’re not sure where to start.

1. Open your account(s)

We’ve got three types of account.

Choose the account you want to start with and you can always open another one later on.

Investment ISA

This is the most common account people choose when they start to invest.

You can pay in up to £20,000 per tax year

Any returns you make are tax free

Tax rules can change and their effects vary depending on your individual circumstances.

Investment Account

A flexible account if you’ve already used your ISA allowance for the current tax year OR you’re already paying into an ISA with another provider.

No limits on the amount you can invest

The return you make on your investments will be taxable

SIPP Account

Designed to help you prepare for retirement.

If you’re comfortable putting money away until you’re at least 55 and making your own investment decisions

You may be eligible for tax relief on the money you pay in.

You may have to pay tax when you come to withdraw money from your pension and tax rules can change in future. Their effects on you will depend on your individual circumstances.

2. Pay in or transfer

Make one-off or regular payments by Direct Debit

Pay in by card whenever suits you

Transfer existing investments – find out more below

Transferring ISAs and SIPPs doesn’t affect their tax-efficient status, but you should make sure that you don’t have to pay penalties or give up valuable benefits – make sure you understand the risks and drawbacks involved in this.

3. Choose your investments

I'd like some inspiration

  • Choose from one of our five Ready-made Investment funds based on the level of return you’re hoping for balanced against how you feel about taking investment risk
  • Put together by our team of investment professionals, who monitor them regularly to make sure they stay true to their objectives

I’d like to see the Barclays Funds List

  • See the Funds List that our experts have put together and stay up to date with our latest thinking
  • Use funds to help balance your risk across different industries, geographic locations and investment types

I know what I'm doing

  • Choose from thousands of investments including funds, equities and bonds
  • Use the tools and insights in our Research Centre to make your own investment decisions

Why choose Smart Investor?

Competitive fees

We work hard to keep our fees as low as possible. The simplest way to pay them is to set up a Direct Debit.

Use our Research Centre

You can see real-time pricing, in-depth company information and the latest market movements to help you make smarter investment decisions.

It's easy to transfer to us

If you transfer an ISA or a SIPP, they will remain tax-efficient, but there are other things to consider before you transfer.

Tax rules can change in future and their effects on you will depend on your individual circumstances.

You might be interested in

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The importance of having a strategy

As legendary investor Warren Buffett turns 90 we look at the attraction of fund managers that stick to an investment strategy.

Active and passive investing: A blended approach

Many investors question whether active or passive investing delivers better returns. Here, we explain the difference between the two approaches and whether a blended approach may offer the best outcome for investors.

What happens if interest rates fall below zero?

As the UK government issues bonds with a negative interest rate for the first time in recent history, we explore why this has happened and ask why anyone would want to pay for the privilege of lending money.

Resist acting in haste when markets wobble

In uncertain and turbulent times such as these, it can be increasingly difficult to stick with investment plans and avoid taking unnecessary action. Here, we consider how best to resist the temptation to do something.

Other ways to invest

Always remember that investments can fall in value. You may get back less than you invest.

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Plan & Invest

Plan & Invest is a new service which creates and manages a personalised Investment Plan just for you. Whether your long-term goal is your child’s university education, 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.

Need some help?

Chat

Use our online chat service to discuss your query with a member of our team.

Call us

If you have any questions, you can give us a call on 0800 279 36671