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NatWest Invest

Investing online with NatWest

The value of investments can go down as well as up, your capital is at risk. Eligibility criteria, fees and charges apply.

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Investing with NatWest

What type of investor are you?

Fees, charges and costs

Explore NatWest Invest

Investing with NatWest

Simple and affordable Investing. You can choose how much to invest and the level of risk you're comfortable with or get help with online automated advice. With automated advice there is a one-off fee of £10 for our advice if you invest. There will be no fee if we think investing isn’t right for you or if you don’t invest.

5 ready made funds, from cautious to daring
Start investing from £50
Stocks and Shares ISA for tax efficient investing
Investments managed by Coutts investment managers
Withdraw any time, although investing is designed for the longer term.
Responsible investments focusing on companies and industries who aim to positively affect our world

Already investing with NatWest Invest? Go straight to log in.

What is your investment personality?

Just like you, each has its own characteristics. So if one of them sounds familiar, it might be the investment that will suit you best. Find out five funds in more details.

Cautious
Steady
Balanced
Optimistic
Daring

Cautious OpenClose

Cautious and Careful

This is Personal Portfolio 1 Fund and it’s the lowest-risk fund we offer. Think of it as swimming in the shallow end with the peace of mind of being able to stand up.

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Steady OpenClose

Steady and Sound

This is Personal Portfolio 2 Fund and it's the low to medium risk fund. Think of it as venturing into the deep end of the pool but you know you can touch the side at any time.

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The fund is made up of around 60% Bonds, 38% Equity and 2% Cash.

Balanced OpenClose

Balanced and Bold

This is Personal Portfolio 3 Fund which is the medium risk fund. This is like the first dip in a lake. It may be colder and get your heart rate going but there should be some beautiful views.

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Optimistic OpenClose

Optimistic and Assured

This is Personal Portfolio 4 Fund, which is the medium to high risk fund. Think of this as swimming out a little further to explore a reef. There are some beautiful things to see but it can be unpredictable.

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Daring OpenClose

Daring and Determined

This is Personal Portfolio 5 Fund and it is the highest risk fund that we offer. This is like deep sea diving. You should see some amazing things but as always there is a level of danger to consider.

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NatWest Invest past performance

Take a look how the five funds have performed in the past. As investments can go down as well as up, past performance isn't an indicator of future performance. However, this will show you how the funds have performed over time.

Past fund performance

Investment options

When you invest you'll have two choices on how to hold your investment. Whichever option you choose you'll still need to choose from one of the 5 ready made funds, you can't select individual stocks and shares to invest in.

Stocks and Shares ISA

Investments held in a Stocks and Shares ISA means you don’t need to pay UK Income Tax or Capital Gains Tax on any investment growth. But there’s a limit on what you can invest in ISAs in any given tax year, for the 2021/2022 tax year it's £20,000 (this is the total for both Cash ISAs and Stocks and Shares ISAs).

General Investment Account

There’s no upper limit to the amount you can invest in a General Investment Account. However UK Income Tax and Capital Gains Tax may be payable.

You can hold investments in a Stocks and Shares ISA and a General Investment Account.

Tax reliefs referred to are those applied under current legislation, which may change. The availability and value of any tax relief will depend on your individual circumstances.

Now it's cheaper to invest with us...

NatWest Invest fees, costs and charges

Platform Fee

Fund Ongoing Charge

Transaction Costs

Before

0.35% max p.a.

0.60% max p.a.

0.07% highest

From 1 October 2020

0.15% max p.a.

0.50% max p.a.

0.07% highest

Tell me more about fees Close

What is changing?

Let's look at an example for a single £10K investment:

Assuming the investment value doesn’t change and, at all times, remains at £10k:

Before 1October you will have paid £35 platform fee (0.35%), £60 fund ongoing charge (0.60%) plus £7 transaction costs (0.07%) per annum. Total £102 (1.02%).
From 1 October, you will pay £15 platform fee (0.15%), £50 fund ongoing charge (0.50%) plus £7 transaction costs (0.07%) per annum. Total £72 (0.72%).

This would mean £30 per annum reduction in fees and £150 over five years which is the minimum time horizon we believe you should invest for.

The example used is for illustrative purposes only. The value of fees and charges will vary based on the value of your investments.

Find out what the different fees, charges and costs cover

Platform Fee

This covers the cost of administration and online access to your NatWest 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.

Already investing with us?

If you're already a NatWest Invest customer, you can track the progress of your investment as and when you want with your online investment account.

Any questions?

NatWest Invest fund performance

Is there anything I should consider before start investing?

Before investing you should consider:

Setting aside enough money in accessible savings to cover any emergencies - an amount of around 4 times your essential monthly expenditure is typically about right.

If your existing insurance and pension arrangements are sufficient for your needs.

Paying off any high interest debts that your money would be better used to repay.

You can make withdrawals at any time but generally the longer you invest for the more chance there is for growth on your investment. So if you invest you should be prepared to do so for 5 years or more.

The value of investments can go down as well as up. This means you could get back less than the amount you invest. New to investing? Learn more about the difference between saving and investing before you start to invest.

Can I buy individual stocks and add to my NatWest investment?

How are my investments with NatWest Invest protected?

The assets held within each of the Personal Portfolio Funds are held separately from the bank by an independent company called a depositary, which is authorised by the Central Bank of Ireland. So your investments would be safe even if NatWest failed. Your investments through NatWest Invest may also be covered by the Financial Services Compensation Scheme in some scenarios.

For more details click here.

Who looks after my money?

Can I transfer my existing ISA to NatWest Invest?

Contact us

If you're already investing with us you can log in to your NatWest 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.

If you'd prefer to speak to us, you can call the Help and Support team on 0345 877 7103 (for Relay UK prefix the number with 18001). Our lines are open Monday to Friday, from 9.30am to 5pm. We're closed Bank Holidays. Calls may be recorded.

Are the Personal Portfolio Funds invested responsibly?

August/September Cashback Offer

Cashback offer terms and conditions (PDF, 1.5MB)

Q. How long was this offer available?

A. The offer started on 23 August and ended at the latest on September 30 2021.

The following questions give you some details of what was in the Cashback offer:

Q. Am I eligible for the offer?

A. This offer was open to customers, who do not currently invest with NatWest Invest. To qualify for this offer you must:

Set up an account with NatWest Invest by 30 September 2021
Make an initial lump sum investment of at least £100 between 23 August 2021 and 30 September 2021 inclusive
Start making regular monthly contributions of at least £50 into your account by 31 October 2021 and continue making them until at least 1 January 2022

Standard eligibility criteria apply: you must have online banking, be aged 18-84, have a current account with NatWest and be a UK resident for tax purposes. Junior ISA not eligible for offer.

Q. When will I receive my £50 cashback?

A. Provided you have met the eligibility criteria, the cash will be paid no later than 31 January 2022.

Q. How do I start making regular monthly contributions?

A. When setting up your investment for the first time, you will be asked ‘How much do you want to Invest’ and you’ll have the option of entering a single investment amount, monthly investment amount, or both. If you have already set-up your investment and would like to add a regular monthly contribution, you can do so by selecting your Personal Portfolio Fund and selecting ‘set up monthly contributions’. The minimum monthly amount that you can invest is £50.

Q. If I open multiple funds would I get multiple cashback?

A. The maximum cashback that we will pay to you is £50 regardless of the number of NatWest Invest eligible accounts you hold.

Q. If I have a joint current account will both myself and the joint account holder receive £50?

A. Provided you both have separate Invest accounts and eligibility criteria is met you will both receive cashback.

Before you apply, review steps for investment

Log in and explore invest

Log in to the NatWest investment portal, you'll need your Online Banking details. You can see a forecast of how an investment could perform.

Complete your investment

Firstly, let us know if you want to choose your own investment or automated advice. With automated advice there is a one-off fee of £10 for our advice if you invest. There will be no fee if we think investing isn’t right for you or if you don’t invest.

Sit back and relax

Coutts investment managers will invest your funds. Log back in at anytime to check your investment and top up.

All okay? You’re nearly ready to start your Investment journey?

To do this, you’ll need to be a NatWest customer with online banking, aged 18 - 84 and a UK resident for tax purposes.

Continue

Do you have an online NatWest account?

Yes

You’re all set

Just log into NatWest Invest and use your online banking log in details.

Forgotten any of your login details? No worries, we can help.

You'll need to be a NatWest customer with online banking to continue

Getting set up should only take a few steps.

Become a NatWest customer