Five funds to choose from
You choose one of five funds with Coutts Invest, each with a different level of risk and potential return. So whether you want to be cautious or bold, you should find one that suits your needs.
Please remember that, whatever approach you adopt, the value of investments can fall as well as rise and you might not get back what you put in.
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. 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% Equity and 2% Cash.
Why Invest Online with Coutts?
You take control
You can check how your investments are doing any time, 24/7, change to another fund or invest more. And if you transfer your existing ISAs and personal pensions to Coutts Invest, you can manage more of your money in one place.
You make the most of your ISA and pension allowances
Use Coutts Invest to take advantage of your annual ISA allowance. You could also get the benefit of pension tax relief by using the Coutts Invest Pension.
Your investments are well diversified
Our highly experienced investment managers invest in a globally diversified portfolio of shares, bonds and other assets across the world. This could help cushion your money from any falls in markets – when one thing goes down, another will typically go up.
The value of investments can go down as well as up, so you could get back less than you invest.
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.
Investing for a better world
We are committed to investing in a sustainable way that helps protect our planet’s future. Up to 80% of the funds behind Coutts Invest aim to have a low carbon footprint and strong focus on the environment, equal rights, fair pay, and other important issues.
Also, funds that we set up in partnership with Blackrock, which form an important part of Coutts Invest, do not invest in any companies over-exposed to:
- Thermal coal extraction and energy generation
- Tar sands
- Arctic oil and gas exploration
- Controversial weapons
So investing through Coutts Invest could be good for your conscience as well as your cash.
Investing for a better world
We are committed to investing in a sustainable way that helps protect our planet’s future. Up to 80% of the funds behind Coutts Invest aim to have a low carbon footprint and strong focus on the environment, equal rights, fair pay, and other important issues.
Also, funds that we set up in partnership with Blackrock, which form an important part of Coutts Invest, do not invest in any companies over-exposed to:
- Thermal coal extraction and energy generation
- Tar sands
- Arctic oil & gas exploration
- Controversial weapons
So investing through Coutts Invest could be good for your conscience as well as your cash.
What it costs
| Coutts Invest fees, costs & charges | |
| an ongoing charge | no more than 0.50% of the value of your investments a year |
| a tiered platform fee every three months | no more than 0.15% of the value of your investments a year |
| Transaction Costs | no more than 0.07% of the value of your investments a year |
what the different fees, costs & charges cover
Platform Fee
This covers the cost of administration and online access to your Coutts Invest account. The maximum you will pay is 0.15% 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 0.5% 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 0.07% 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 it works
You have to be a Coutts client to use Coutts Invest – click here to become one. Once you’ve joined us, you’re just three simple steps away from its benefits
Are you eligible?
Coutts invest is available to clients who are:
- UK resident and domiciled for tax purposes
- Aged 18 or over
- Already a user of Coutts Online
- Have a minimum of five years to invest
If you’re over 74, or are UK resident but non-domiciled for tax purposes, speak to your private banker who will be able to organise access for you.
Fees and charges apply.
The value of investments, and the income from them, can go down as well as up, and you may not recover the amount of your original investment.
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.
It is important to know that our non-advised service through Coutts Invest does not provide investment advice or recommendations. The value of investments can go down as well as up, so you could get back less than you invest. Your capital is at risk. If you are unsure about an investment, you may wish to seek personal financial advice. If you have higher priority needs you should consider these ahead of an investment in Coutts Invest.
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