Investing online with NatWest

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. 

There is no ability to buy individual stocks and add to these funds. NatWest Invest is a simple way to invest online. You can invest into a range of five funds which are managed by the investment team at Coutts & Co.  

Click here for more information on the different investment funds. 

Your investments would be protected even if NatWest failed. The underlying assets within each of the Personal Portfolio Funds available through NatWest Invest are held separately from NatWest by an independent company called a depositary, which is authorised by the Prudential Regulation Authority (PRA) and dual-regulated by the PRA and Financial Conduct Authority. 

This company, the Bank of New York Mellon (International) London Branch, keeps the Personal Portfolio Funds’ underlying assets safe and holds them separately from its own. 

Additionally, the Personal Portfolio Funds are based in the UK and so are covered by the UK Financial Services Compensation Scheme (FSCS), up to a maximum of £85,000 per person.

For more details click here.

If you’ve invested using a Stocks and Shares ISA the good news is that any profits and/or income from your investments in the Stocks and Shares ISA are not taxable in the UK.

If, however, you’ve invested in what’s known as a General Investment Account then the following information on tax will likely apply to you.

The two main types of tax to think about when you have an investment are:

1. Income Tax – the tax levied by the government on any income, most people will be used to seeing this type of tax on their pay slips.
2. Capital Gains Tax – the tax levied by the government on something that has been sold for more than it was purchased for i.e. making a profit (a capital gain).

For more information on tax, please click here.

Coutts & Co do the investment management.

Made up of more than 60 investment specialists, the team at Coutts includes economists and investment analysts with years of experience managing money.

You can transfer any existing ISAs you have to NatWest Invest.

If you need advice deciding whether you should transfer, we're sorry but we can't help - our automated advice service only offers advice on investing your spare income and savings.

Yes, the Personal Portfolio Funds are. The shares and funds we select on your behalf are responsible investments. Responsible investing focuses on companies and industries who aim to positively affect our world in three key areas: environmental, social, and governance (ESG). Find out more.

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.