Royal Bank Invest 

Ready-made funds

Investment funds overview

  • Choose from five ready-made funds that have low fees and charges. Alternatively, the online automated advice can advise which fund is best for you. 
  • Each fund has a different level of risk from 'low' to 'high'. Choose a fund with the level of risk you are willing to take.
  • Monitor how your investment is doing 24/7 with your online investment account. 

Five ready-made funds

Low risk fund

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.

The long-term asset mix is made up of 78% Bonds, 20% Shares and 2% Cash.

Low to medium risk fund

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.

The long-term asset mix is made up of 58% Bonds, 40% Shares and 2% Cash.

Medium risk fund

Personal Portfolio 3 Fund

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

The long-term asset mix is made up of 43% Bonds, 55% Shares and 2% Cash. 

Medium to high risk fund

Personal Portfolio 4 Fund

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

The long-term asset mix is made up of 23% Bonds, 75% Shares and 2% Cash. 

High risk fund

Personal Portfolio 5 Fund

This is the highest risk fund in the range with the greatest emphasis on higher risk assets, such as shares.  The high-risk fund invests at least 90% of its value in shares. As the risk profile increases to a high level, so does the feasibility of a large return or a larger capital loss. 

The long-term asset mix is made up of 98% Shares and 2% Cash. 

The funds' asset mix allocation may vary but will always be consistent with their objective.

Each illustration shows long term asset mix, effective from February 2022.

You could get £25 to £1,000 cashback. Just transfer your ISAs to Royal Bank Invest

Offer ends 27th May 2022

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I need some help

Latest guidance

If you're already investing with us you can log in to your Royal Bank Invest account for day to day transactions, or if you're concerned about the current situation and have questions about managing your investment during this time, please see our latest guidance and common questions. 

Speak to our team

If you'd prefer to speak to us, you can call the Help and Support team on 0345 304 1005 (for Relay UK prefix the number with 18001). Our lines are open Monday to Friday, from 9.30am to 5.00pm. We're closed Bank Holidays. Calls may be recorded.

Learn more about investments

Whether you’re an experienced investor or just finding out what investing is, we’ve got a range of articles to help you understand more about investing.

We regularly update our articles depending on what’s happening in the market so check back for future updates.

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