Investments could help you make more of your money.
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Over longer periods of time (five years or more), investments such as stocks, shares and funds have the potential to give you higher returns compared to cash savings. But the value of investments can fall as well as rise. There is a chance you may get back less than you put in. Ensure you have safety net savings before starting to invest. Eligibility criteria, fees and charges apply.
Why invest?
Whether you're planning a big move or a holiday of a lifetime, considering your long-term financial goals can be worthwhile. Investing over five years or more has the potential to grow your money and could help you work towards these goals. Savings can also be a practical choice, offering easy access to funds for unexpected expenses or short-term needs.
Investing could be an option if you have a long-term financial goal and you’re comfortable with the risks. You don’t need a large sum of money to get started, but it’s important to think about whether investing is right for you and your circumstances. Investments are designed for the medium to long term, and their value can go down as well as up, so you could get back less than you put in. Before exploring investing, it’s worth making sure you have accessible savings to cover at least four months’ essential outgoings, such as your mortgage or rent, bills and everyday costs, and that you’ve paid off any high-interest debt.
Stocks and Shares ISA
An easy, tax-efficient way to get started
Invest up to £20k in the current tax year free from UK Income and Capital Gains Tax.
Move your other ISAs to us and see everything in one place.
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General Investment Account
A flexible way to invest, when you've used your ISA allowance
You can invest without an annual limit
Manage money outside your ISAs alongside your other Royal Bank investment accounts. UK Income and Capital Gains Tax may apply.
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Personal Pension
A tax-efficient path to financial security in retirement
Choose a ready-made investment that suits your retirement goals and investment style if you don't have a workplace pension
Transfer existing pensions for a clearer view of your retirement plans (exit fees may apply).
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Junior Stocks and Shares ISA
Give your child a head start with investing
Invest an initial amount of £50 or set up a regular monthly payment from just £10.
Invest up to £9,000 per child for the current tax year with no UK Income or Capital Gains Tax.
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Tax reliefs referred to are those applied under current legislation, which may change. The availability and the value of any tax relief will depend on your individual circumstances.
Transparent fees
We keep fees low so you can make the most of your money. Fees are 0.55% of your investment or less, which is 55p for every £100.
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Simple, ready-made funds
Choose from our five specially designed ready-made funds, tailored to match your risk preference, and you could see your money grow over the long term
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Experts you can trust
We’ve partnered with Coutts since 1969. They look after £58.5bn of investment funds (Q4 2025) and have more than 300 years of experience. And you could book a free consultation with Premier financial advice.
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Choose a ready-made investment fund
At Royal Bank, our Coutts investment experts manage everything for you. So, all you have to do is choose one of our ready-made investment funds – and decide how much you want to invest. We’ll take care of the rest.
Our funds' asset mix allocation may vary but will always be consistent with their objective.
How are the ready-made funds performing?
Compare the ready-made investment funds and their potential for returns.
How can your money lose value over time?
Learn more about how inflation can affect your investments.
Looking for online investment advice?
Get expert investment advice tailored to you from our Online Investment Advice service, to help you invest in the right way for you.
Book a video call with one of our Investment Advisers who'll guide and support you through our specially designed online service to find out:
- How much you can afford to invest monthly, or as a lump sum or both.
- Which of our investment funds could be right for you.
Only pay a one-off £200 advice charge if you invest (this is a one-off fee per advice). We won’t charge you anything if we think investing isn’t right for you.
