NatWest Invest

The simple way to help get your money working harder

How NatWest Invest can help you

With savings interest rates hovering at historically low levels, investing has the potential to provide much better returns if you’re prepared to take some risk with your money over the medium to long term (5 years or more).

A clear choice of five ready-made investment funds, from ‘low’ to ’high’ risk. Either choose yourself, or get advice online. There is a £10 fee if you take our advice.

Tax-efficient growth on your money when you use your stocks and shares ISA allowance.

Low fees and charges currently across all of our funds that are up-front and transparent.

Managed by experts and invested in a range of other funds from leading investment managers to spread the investment risk.

Already a NatWest Invest customer? 

Five ready-made funds

Designed to suit a wide range of investors. 

Choose from 'low' to 'high' risk. Alternatively, the online advice can advise which fund is best for you.

Five funds

Low Risk - Personal Portfolio 1 Fund

This is the lowest risk fund in the range with an emphasis towards low risk assets, such as bonds. The low risk fund invests at least 70% of its value in bonds.

Low to Medium Risk - Personal Portfolio 2 Fund

As the risk increases, the amount invested in lower risk investments, such as bonds reduces. The low to medium risk fund invests at least 50% of its value in bonds.

Medium Risk - Personal Portfolio 3 Fund

The medium risk fund has an increasing exposure to higher risk investments, such as equities. The medium risk fund invests at least 45% of its value in equities.

Medium to High Risk - Personal Portfolio 4 Fund

As risk increases further, so does the exposure to equities. The medium to high risk fund invests at least 65% of its value in equities.

High Risk - Personal Portfolio 5 Fund

This is the highest risk fund in the range with the greatest emphasis on higher risk assets, such as equities. The high risk fund invests at least 90% of its value in equities.

Stocks and shares ISA

What sets a stocks and shares ISA apart from a general investment account is that any growth in the value of your investment is tax-efficient and you don’t have to declare ISAs on your tax return.

Because of its tax benefits, a stocks and shares ISA can help your investment grow faster over time.

You can put up to £20,000 into an ISA in the 2018/2019 tax year

There is more potential for higher long-term returns than a Cash ISA, although with a Stocks and Shares ISA there is the risk you could get back less than you put in.

Transfer your ISAs held elsewhere to NatWest Invest could save you a lot of time by keeping everything in one place, and could save you money on investment fees.

Tax reliefs referred to are those applying under current legislation, which may change. The availability and value of any tax reliefs will depend on your individual circumstances.

What are the fees, costs and charges ?

Find out what the different fees, charges and costs cover

Platform Fee

This covers the cost of administration and online access to your NatWest Invest account. The maximum you will pay is 0.35% of the value of your investment each year.

Fund Ongoing Charge

This covers the cost of managing your investment. The maximum you will pay is 0.6% of the value of your investment each year.

Transaction Costs

This is the cost of buying and selling shares and other investments that make up the fund. The fund manager estimates, based on actual past costs, that the highest costs that will be incurred for any of the available funds will be 0.15% of the value of the fund each year. These costs will be deducted by the fund manager from the fund’s assets.

These may change in the future. 

How to get started

Log in and explore

Log into NatWest Invest and start to explore the options available to you. To do this, you’ll need to be an online banking customer.

Choose how you invest

Select how much you want to invest, which fund, if you would like to invest using a stocks and shares ISA. Alternatively, get advice online.

Make your investment

Complete your application.

Ready to start exploring NatWest Invest?

Do you have an online NatWest account?

Get started

Just log into NatWest Invest and use your online banking log in details. 

Forgotten any of your login details? No worries, we can help.

You'll need to be a NatWest customer with online banking to continue

Setting that up should only take a few steps. 

Become a NatWest customer

Already a NatWest Invest customer?

If you're already a NatWest Invest customer, you can track the progress of your investment as and when you want with your online investment account. 

Other useful information:

Get the latest fund information, including:

  • Fund performance
  • Market update
  • Fund positioning and outlook

 

Check fund performance 

 

Yes.
You can choose to transfer any existing ISAs you have to NatWest Invest.

If you need advice deciding whether you should transfer, we're sorry but we can't help - our automated advice service only offers advice on investing your spare income and savings.

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 five funds are provided by RBS Asset Management (Dublin) Limited.

Before investing you should consider:

Setting aside enough money in accessible savings to cover any emergencies - an amount of around 4 times your essential monthly expenditure is typically about right.

If your existing insurance and pension arrangements are sufficient for your needs.

Paying off any high interest debts that your money would be better used to repay.

If you can afford to leave your investment untouched for at least 5 years - there's no minimum term you need to hold your investment for, but you should only invest if you can afford to leave the money you invest untouched for at least 5 years.

If you can afford to lose money - the value of investments can go down as well as up, unlike deposits in savings account, for example. This means you could get back less than your original investment.

Cashback Offer & ISA Transfer Offer Terms

(Offer period: 23rd October 2017 - 5th April 2018)

Cashback Offer & ISA Transfer Offer Terms

(Offer period: 6th April 2018 - 30th April 2018)

ISA refund table

NatWest Invest

Call us on 0345 877 7103 (Text Relay  - prefix the number with 18001)

Lines are open: Monday to Friday 8am - 6pm and are closed on Bank Holidays, calls may be recorded.