Online

Investing

Coutts Invest gives you a simple way to help make the most of your money. With just a few clicks you can invest in a range of five expertly managed funds. If you are already a client, it’s easy to get started today, or explore the site to find out more.

The value of investments can go down as well as up and you may not get back the full amount you invest.

Invest Online

If you're happy to make your own investment decisions, without advice, it couldn't be easier to invest.

 

Select your Fund

Choose from a range of multi-asset funds depending on your attitude to risk.

 

Managed By Experts

Access our in-house view investment expertise and the Coutts house view. 

 

Why

Coutts Invest

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Manage your investments in one place through your online bank account

Your online account puts you in control. You can check on how your investments are doing, change your fund choice or invest more. And by transferring your existing ISAs and personal pensions to Coutts Invest, you can manage more of your investments in one place.

Expert Investment management

Our highly experienced investment managers use their in-depth knowledge of financial markets to select and monitor investment opportunities to ensure each fund meets its objectives. They invest in a globally diversified portfolio of shares, bonds and other assets across the world to help you, in turn,  get the benefit of global economic growth.

Online investing helps you make the most of your money

Investing can help you plan for the future. Coutts Invest provides a range of funds designed for clients who prefer to make their own investment decisions without the need for advice. 

Make the most of your ISA and pension allowances

Online investing helps you save efficiently to make your money work harder. Use Coutts Invest to take advantage of your annual ISA allowance, or get the benefit of pension tax relief by using the Coutts Invest Pension.

Choose an Investment

That matches your objectives

Some investors are looking for a comparatively steady return that just protects the spending power of their money. Others are willing to accept less certainty and a higher possibility of losing money for the chance of higher growth. Our range of five Personal Portfolio Funds aims to provide an option to suit your preferences.

Each fund gives you access to a diversified portfolio of assets, in a transparent and low cost manner.

  • Personal Portfolio 1 Fund is designed for investors who are conservative with their investments and willing to take a small degree of investment risk to achieve relatively stable returns; and who accept the risk of short term, minor fluctuations in the value of their investments with the potential for losses to their capital.

  • Personal Portfolio 2 Fund is designed for investors who are cautious with their investment, preferring a modest degree of investment risk in order to achieve potentially improved investment returns; and accept the risk of moderate yet frequent fluctuations in value with the potential for losses to their capital.

  • Personal Portfolio 3 Fund is designed for investors who are balanced in their risk tolerance and prepared to accept risk with their investment where this could result in improved long-term returns, who accept the risk of frequent and potentially significant fluctuations in value, and the potential for losses to their capital.

  • Personal Portfolio 4 Fund is designed for investors who are assertive with their investments and prepared and comfortable with the risk of sustained periods of poorer performance in order to achieve potentially higher longer-term returns. Investors accept the risk of frequent and considerable fluctuations in value, and the potential for losses to their capital.

  • Personal Portfolio 5 Fund is designed for investors who are adventurous with their investments and focused on investments which could provide much higher returns. Investors should be comfortable with the risk of lengthy periods of poorer performance in order to achieve potentially strong returns; and who accept the risk of large fluctuations in value, and the potential for losses to their capital.

Why

Invest?

The total cost for investing though Coutts Invest comprises a platform fee, a fund fee known as the Ongoing Charges Figure (OCF) and transaction costs.

Our fees are reviewed from time to time and we will let you know in advance if there are any changes that will affect you.

To understand our fees and charges in more detail please refer to the Coutts Invest Fee Tariff within Coutts Online.

 

Platform fee:

The platform fee varies depending on the value of your investment – see the table below for how it works:

Tier Value of your Investment
Platform fee Rate Ongoing Charges figure Transaction Costs
1 £0 to £250,000 0.35% 0.60% Max 0.15% highest
2 >£250,000 to £500,000 0.25% 0.60% Max 0.15% highest
3 >£500,000 0.10% 0.60% Max 0.15% highest

Ongoing Charges Figure (OCF):

Each fund has its own OCF which will vary depending on the costs of the underlying investments. This will not be more than 0.60%. The OCF is made up of an annual management charge and other expenses relating to the underlying investments.

 

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.

Before investing have you thought about:

  • Are there any other priorities for your finances?
  • Do you need the money in less than 5 years ?
  • Do you need a precise amount of money at a particular time?
  • Are you comfortable with the level of risk?
  • Can you afford to lose the money?

Start Investing

Discover how Coutts Invest can meet your needs

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Become a client

When you become a client of Coutts, you will be part of an exclusive network.

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