online INVESTment management
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.
easy 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 Defensive 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 78% Bonds, 20% Equity and 2% Cash.
Low to medium risk
Personal Portfolio Cautious 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 58% Bonds, 40% Equity and 2% Cash.
medium risk
Personal Portfolio Balanced 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 43% Bonds, 55% Equity and 2% Cash.
medium to high risk
Personal Portfolio Ambitious 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 23% Bonds, 75% Equity and 2% Cash.
high risk
Personal Portfolio Adventurous 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.
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 use the Coutts Invest Pension to take advantage of pension tax relief.
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.
When transferring pensions exit fees may apply
Your eligible cash deposits held with Coutts & Co are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered. Investment business undertaken with Coutts & Co in the UK may be covered by the FSCS, the cover depending on the nature of the claim being made. Eligible claims for most types of investment business are covered up to a maximum of £85,000 per person. FSCS cover is not available for loss of money resulting from performance of the investment.
Responsible investing
We call our approach ‘responsible investing’ to signal that we consider the environmental, social and governance (ESG) that could impact the returns and resilience of your investments.
The UK regulator has defined four labels for sustainable investment, designed to help investors find funds which have a specific sustainability goal. Each label has specific criteria funds must align to. Our Funds do not have a UK sustainable investment label because our Responsible Investing approach does not align to these criteria; in particular, it does not amount to a sustainability ‘objective’ or ‘goal’ of the Funds. For more information on labels, please see sustainable investment labels and anti-greenwashing.
Responsible investing
We call our approach ‘responsible investing’ to signal that we consider the environmental, social and governance (ESG) that could impact the returns and resilience of your investments.
The UK regulator has defined four labels for sustainable investment, designed to help investors find funds which have a specific sustainability goal. Each label has specific criteria funds must align to. Our Funds do not have a UK sustainable investment label because our Responsible Investing approach does not align to these criteria; in particular, it does not amount to a sustainability ‘objective’ or ‘goal’ of the Funds. For more information on labels, please see sustainable investment labels and anti-greenwashing.
what is costs
Coutts Invest fees, costs & charges |
|
| an ongoing charge | no more than 0.40% 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 and 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 0.40% of the value of your investment each year.
Transactions 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
If you’ve already activated our digital services, log in to Coutts Online and go to the investing page. Use Coutts Invest for a general investment, ISA or pension. You can set it up from scratch or easily transfer an existing arrangement.
If you’ve not activated our new digital services contact the Coutts Digital Helpdesk.
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.
Full Terms & Conditions available to download here.
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.
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When you become a client of Coutts, you'll be part of a network of exceptional people
Earn a 25,000 Crown Bonus when investing £20,000 in a Coutts Invest ISA by 30/6/24. T&Cs apply.
