The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply.
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How risky is investing?
“Markets will always rise and fall day-to-day and any investing comes with an element of risk. But our message to all our clients is clear: focus on long-term trends rather than short-term noise. In our experience, if you’re prepared to be patient and invest over a matter of years, you’re far more likely to achieve your goals. It’s not about timing the market, it’s about time in the market.”
Mohammad Syed, Head of Asset Management
What are the benefits of investing online?
“It’s quick and easy to set up, you can monitor your money 24/7 and our experts do all the actual investing for you. For DIY investors creating their own portfolios, it’s incredibly hard and time-consuming to get right. But our team takes all that pressure away from you.”
Nick Johnson, Investment Journey Lead
Where does my money go exactly?
“You choose one of five multi-asset funds, each with a different balance between stocks and bonds. We invest your money through what are known as ‘index tracker’ funds – baskets of assets which reflect different stock markets, such as the FTSE 100. We move your money between these trackers to where we see the best opportunities.”
Monique Wong, Head of Multi-Asset Portfolio Management
Are the funds environmentally friendly?
“Every investment decision we make is done with our planet’s future in mind. We have very clear criteria and tough targets to ensure your investments help build a more sustainable world. Two-thirds of the stocks that sit behind Royal Bank Invest have a low carbon footprint and strong environmental focus. And we’ve committed to achieving net zero greenhouse gas emissions across all our investments by 2050.”
Leslie Gent, Head of Responsible Investing