NatWest Invest | NatWest Private

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NatWest Invest

Helping you reach your life goals

The value of investments can go down as well as up, so you could get back less than you invest. NatWest Invest doesn't provide you with investment advice, so you're responsible for any investment decisions and choice of fund. If you're not sure about making investment decisions without advice, you should speak to a financial adviser.

NatWest Invest | NatWest Private At a glance

NatWest Invest is a brand new way to invest online. You decide the time, and you decide the level of risk.  It’s simple, you have control, and the beauty of it is you can invest:

  • From just £500
  • With a monthly contribution from £50
  • Into a stocks and shares ISA

Investing could help you reach your goals. If you know how much you can commit to investing, are planning to invest for at least 5 years and are prepared to take a risk, you can start investing with us now.

NatWest Invest does not offer advice on your personal financial circumstances or the suitability of each investment fund for you. If you’re not sure you should speak to a financial adviser before investing.

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NatWest Invest | NatWest Private Is investing right for me?

If you're planning for the medium to long term (at least five years) then investing could help you reach your goal. However, if you're planning to reach your goal within the next five years, or have other aspects of your finances that need attention first, investing is not the right option for you.
 

Things to consider before investing

It's important that you make sure investing is right for you. You need to consider the following factors before deciding to invest:

  • Are there other priorities for your finances?

There may be other financial priorities that you should tackle before investing. For example if you're paying high rates of interest on bank loans and credit cards, you should consider paying them off first. And it's always a good idea to put away some money in an instant-access savings account, to keep you going for at least a few months if there's an unexpected emergency. We strongly suggest you consider whether you have sufficient protection if things don’t work out how you plan, like mortgage protection, income protection and life insurance.

And another important consideration is whether you are contributing enough towards your pension to meet your needs in retirement.

  • Do you need the money in less than five years?

You should think about using savings accounts, or even current accounts offering interest for shorter term goals, because you’ll nearly always get back at least what you put in. Investments are designed to produce potentially greater returns over the longer term – the investment industry standard is five years minimum. The longer you’re able to leave your money invested, the more time it has to recover from any dips in its value.

  • Do you need a precise amount of money at a particular time?

The precise value of your investment at any point in the future will always be uncertain. If the target you have in mind means that you'll need an exact amount on a specific date in the future, investing may not be the right option for you.

  • Are your goal amount and timeframe realistic?

The value of investments can go down as well as up so it's important to have a realistic prospect of reaching your goal. Whether you're planning to invest a lump sum, a regular monthly amount, or both, our investment forecaster can show you a range of potential returns. These returns are not a reliable indicator of future performance. There is no guarantee that these returns will be achieved.

  • Are you comfortable with the level of risk?

Investing always carries some level of risk. This means that even if you choose the most cautious investments, they can still go down in value and you may get back less than you invested. It is important to remember that the higher the potential return from an investment, the greater the possibility of fluctuations and losses. If you’re unwilling to risk getting back less then you invested, then investing is not appropriate for you.

  • Can you afford to lose money?

Because the value of investments can go down as well as up, you should ensure you can afford to lose money before investing. This means that in addition to any investment you make, you should have sufficient cash available to make sure that your standard of living is not materially affected if your investment significantly decreases in value. If you are unwilling to risk losing some or all of your original investment and regular contributions, then investing is not appropriate for you.

Explore NatWest Invest
NatWest Invest | NatWest Private Before you get started

We’ve designed NatWest Invest to allow you flexibility so that you can select your investment in a simple, low-cost way.

How does NatWest Invest work?

  • Choose a goal that you want to put your money towards. You can choose one of our ready-made options, or make your own (if you don't have a goal you can skip this step if you just want to invest straight away)
  • Choose how you want to invest – you can put away a lump sum, make regular contributions, use an ISA or a general investment account.
  • Explore the fund options and make your fund choice. NatWest Invest provides access to five Personal Portfolio Funds, each designed and managed by the experts at Coutts to match a different attitude to risk. Both NatWest and Coutts & Co are main subsidiary companies of the Royal Bank of Scotland Group plc (also known as the Royal Bank of Scotland Group).
  • Choose how to pay. You can invest with money from your NatWest bank account or by transferring an ISA, and can choose to pay ongoing fees from your bank account or from your investment.

 

That’s it. Once you’ve set up your investment you can track its performance and buy and sell using the same simple online process. You'll pay us fees for providing our platform service and the investment manager's charges for managing your investment

Who is the NatWest Invest service for?

NatWest Invest is aimed at customers who don’t need financial advice, who understand the products and services available, including the risks and costs, and who are confident they can make their own investment decisions and fund selections.

 

We’ll provide fund information and tools to help you set investing goals, understand the risk-rated funds, and track your investment progress – but the responsibility for any investment choices you make is yours. You won't be able to claim compensation afterwards if you think your decision wasn't the right one.

 

NatWest Invest does not offer you investment advice. You will need to satisfy yourself that investing is right for you and fits with your personal financial circumstances. You’ll also need to decide whether your chosen investment fund is appropriate for you. If you’re not sure about investing without taking advice, you should speak to a financial adviser.

 

To invest in a fund you must be 18 or over and be resident in the UK for tax purposes. And you must be registered to use Online Banking.

 

A minimum initial investment of £500 is required.

What are the charges for NatWest Invest?

The charging structure is straight forward and transparent. 

 

You'll pay us charges for using our platform service and the investment manager for managing your investment.

 

The Platform Fee will be a maximum of 0.35% of your investment each year. The Fund Ongoing Charge  will be a maximum of 0.60% of the value of the fund each year.

What are my options for using an ISA?

NatWest Invest offers a stocks and shares ISA – a tax wrapper around your choice of the five Personal Portfolio Funds. This means that any value increase of the funds held within the ISA is free of income tax and capital gains tax when you sell. You don’t need to declare a stocks and shares ISA on your tax return.

 

If you have an existing ISA, you can transfer it into your ISA with us.

 

Learn more about ISAs

 

ISAs are Individual Savings Accounts. There are a number of types – the most common ones are cash ISAs and stocks and shares ISAs. The key point is that they give you a tax-efficient way to save or invest up to the annual ISA limit within the current tax year. Whether or not this suits you will be down to your personal circumstances. If you do think using an ISA is a good idea, you can put your money in one type of ISA or a combination of the types below if you so wish.

 

Stocks and shares ISAs are a tax-efficient way to invest in shares or funds. These are available through NatWest Invest.

 

Cash ISAs are deposit accounts that pay interest and you don't pay any tax on interest earned. Cash ISA is not available through NatWest Invest.

 

Help to Buy: ISAs are for savers looking to save towards their first home, where the government will add a bonus to the Help to Buy: ISA. Help to Buy: ISA is not available through NatWest Invest.

 

Flexible ISAs allow you to withdraw money from your ISA at any point then return it in the same tax year without affecting your allowance. Flexible ISA functionality only applies to Cash ISAs and cash held in Stocks & Shares ISAs. Flexible ISA is not available through NatWest Invest.

 

Innovative finance ISAs allow you to access peer to peer lending in an ISA wrapper and receive tax free interest. Innovative finance ISAs can also be flexible (as described above). Innovative finance ISA is not available through NatWest Invest.

What is the tax treatment where the investment amount is not in an ISA?

The Personal Portfolio Funds are offshore reporting funds for UK tax purposes.

 

For General Investment Accounts, investors will be taxed on income accruing on an annual basis. This is the case irrespective of whether any income is physically distributed to the investor or accumulated.

 

The fund will provide a report detailing both the amount of income distributed and the amount of excess income earned but not distributed for use in preparing your tax return.

 

You may be subject to Capital Gains Tax on gains realised when you sell or transfer any portion of your holding in the fund. 

 

For more information on offshore reporting funds, please visit gov.uk. If you are unsure if you are required to pay tax or the tax treatment of any income or gains then you should obtain professional tax advice.

Who looks after my money?

The Personal Portfolio Funds are provided by RBS Asset Management (Dublin) Limited and Coutts & Co do the investment management. Made up of more than 60 investment specialists, the team at Coutts includes economists and investment analysts with years of experience managing money.

 

The team builds funds and constantly monitors how the money in the funds is allocated, including using index trackers to provide a simple, diversified investment.

What if I need investment advice?

NatWest Invest does not provide advice or make recommendations. If you need advice, we do offer a Face to Face Advice Service provided by Wealth Managers from our Private Client Advice team.

 

The Private Client Advice team offers a tailored advice service to Private Banking customers covering the whole of the United Kingdom.

 

Fees apply and the advice and any recommendations provided will be restricted to the products on the panel of products available to the Wealth Manager.

 

Find out more about our NatWest Face to Face Advice Service.

 

If you are not a Private Banking customer, or are a Private Banking customer and would like advice that covers the whole market, you can search for a nearby regulated independent financial adviser.

What if I am applying in Scotland?

If you are considering investing with NatWest Invest in Scotland please read this important information.

Add your signposting title here… Frequently Asked Questions
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