NatWest Invest | NatWest Private

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NatWest Invest


You can invest

From just £500

With a monthly contribution of £50

Into a stocks and shares ISA

NatWest Invest | NatWest Private How NatWest Invest works
  • Invest online and choose from a range of risk based funds

  • Initial investment from just £500

  • Monthly contributions of £50

  • The choice of investing into a stocks and shares ISA or a general investment account

How NatWest Invest works

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 is available to customers aged 18+ who have an account with us and are registered for online banking. 

NatWest Invest Charges

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. 

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NatWest Invest | NatWest Private Using your ISA allowance with NatWest Invest

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
Individual Savings Accounts

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.

NatWest Invest | NatWest Private

Other information you may like to know

How does NatWest Invest work?

You can decide how you invest in NatWest Invest's flexible options.

  • Choose a goal - 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)

  • 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.

  • Tracking Performace - Once your investment is set up you can track it's performance online.

That’s it.

Who is the NatWest Invest service for?

NatWest Invest is aimed at customers who don’t need financial advice, understand the products and services available, including the risks and costs, and 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.

 

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.

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 the specialist investment team at Coutts & Co manage your investment.
 

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 for Private banking customers.


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.

 

Announcements were made in February 2017 about discussions between HM Treasury and the Commissioner for EU Competition Policy on an alternative option to meet our State Aid divestment commitments agreed in 2009 and 2014.

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