Investment guide

A beginners guide to investing

What is investing?

Investing means putting money aside with the expectation of generating an potential profit or income in the future. 

You can invest your money in cash, property, bonds and shares to name a few. 

Investing is for the medium to long term and it's important to note that your capital is at risk and the value of your investment can go up and down along the way.

Investing for beginners

Our guide is designed to help beginners understand the basics of investing to help them get started on their investment journey. 

  1. 01

    Why invest?

  2. 02

    Is now a good time to invest?

    Right now nothing is certain but uncertainty‘s no reason to put your future plans on hold.

    By trying to time the market you can miss possible opportunities. We believe that good investment is about “time in the market”, rather than “timing the market”.

  3. 03

    What are the risks of investing?

    The value of investments can go down as well as up. This means you could get back less than the amount you invest. 

    It's important to consider the potential reward against the risk to decide if it's worth putting your money on the line. 

  4. 04

    Can I access my money?

    With NatWest Invest funds you can take your money out at any time with no withdrawal charge. However, it is recommended to keep your money invested for 5+ years.

    Our instant access accounts allow you to take your money out at any time with no charge, whereas our fixed term accounts may be subject to an early closure charge.

  5. 05

    How can I start investng?

What you need to know

  • Set aside enough money in accessible savings to cover any emergencies.
  • Investing should be regarded as longer term.
  • The value of your investments can go up and down, and you may get back less than you invest.
  • Past performance is not a reliable guide to future performance.


When is a good time to invest?

Read our expert guidance and analysis to help you manage your finances

Our latest investment insight

This guide provides investment information to help you get started and make investing part of your financial planning.

Investing with NatWest

For help with simple and affordable investing, and to choose your investment personality, head over to NatWest Invest. There you can:
  • Choose how much to invest 
  • Choose your level of risk
  • Get help with online automated advice

Then let us help get your money working harder.

Already a NatWest Invest customer?

Log in to NatWest Invest

If you're an existing customer, log in to track the progress of your investment as and when you want with your online investment account.

Check out past fund performance

As investment returns aren’t certain, this shouldn’t be used to guide what you could get back in the future. Log in to NatWest Invest to view our investment forecast tool.