INVESTing made easy

Become a client and get the most out of Coutts Invest – our quick, convenient way to invest, set up an ISA or sort out your pension

 

 

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

 

 

INVESTing made easy

Become a client and get the most out of Coutts Invest – our quick, convenient way to invest, set up an ISA or sort out your pension

 

 

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

Simple to use

Choose how much you want to invest, save through an ISA or put aside for your pension, decide how much risk you want to take and set it up easily online.

managed by experts

The investments are run by our highly-experienced team using a tried and tested approach, cutting-edge analysis and a keen focus on sustainability.

competitive fees

Our fees are simple, transparent and competitive.

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.

 

Low risk

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 80% Bonds, 18% Equity and 2% Cash. 

more details - personal portfolio 1 fund

Low to medium risk

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 60% Bonds, 38% Equity and 2% Cash.

More details - personal portfolio 2 fund

medium risk

Personal Portfolio 3 Fund
  • The medium risk fund has an increasing exposure to higher risk investments, such as equities.  The medium risk fund invests at least 45% of its value in equities.
  • The long term asset mix is made up of 44% Bonds, 54% Equity and 2% Cash. 

More details - Personal Portfolio Fund 3 Fund

medium to high risk

Personal Portfolio 4 Fund
  • As risk increases further, so does the exposure to equities.  The medium to high risk fund invests at least 65% of its value in equities.
  • The long term asset mix is made up of 24% Bonds, 74% Equity and 2% Cash. 

More details - Personal Portfolio Fund 4 Fund

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. 

More details - Personal Portfolio Fund 5 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 80% Bonds, 18% Equity and 2% Cash. 

    more details - personal portfolio 1 fund

    This is empty pie chart component.
  • 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 60% Bonds, 38% Equity and 2% Cash.

    More details - personal portfolio 2 fund

    This is empty pie chart component.
  • Personal Portfolio 3 Fund
    • The medium risk fund has an increasing exposure to higher risk investments, such as equities.  The medium risk fund invests at least 45% of its value in equities.
    • The long term asset mix is made up of 44% Bonds, 54% Equity and 2% Cash. 

    More details - Personal Portfolio Fund 3 Fund

    This is empty pie chart component.
  • Personal Portfolio 4 Fund
    • As risk increases further, so does the exposure to equities.  The medium to high risk fund invests at least 65% of its value in equities.
    • The long term asset mix is made up of 24% Bonds, 74% Equity and 2% Cash. 

    More details - Personal Portfolio Fund 4 Fund

    This is empty pie chart component.
  • 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. 

    More details - Personal Portfolio Fund 5 Fund

    This is empty pie chart component.

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.

 

MORE ABOUT RESPONSIBLE INVESTING AT COUTTS

Coutts_Stocksy_txp8dd04e2bs54200_OriginalDelivery_1696138.jpg

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.

 

MORE ABOUT RESPONSIBLE INVESTING AT COUTTS

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

 

 

 

log in and explore your options

Use Coutts Invest for a general investment, ISA or pension. You can set it up from scratch or easily transfer an existing arrangement.

***

 

 

decide how much and which fund

Start investing from as little as £500. From there, you can top-up regularly or from time-to-time – or both (£50 minimum). We’ll help you work out which fund works best for you. 

***

 

 

sit back and relax

Our team of experts do the investing bit for you – so you can leave the rest to us. Log back in any time to check how your investment is doing.

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.