Investing is when you put money into financial schemes, shares, property, or a commercial venture with the expectation of generating income and growing wealth over time.

The chance of making a profit goes up if you invest for a long time - at least five years.

Investing comes with risk. While the value can go up, it can also go down, and the profits are not guaranteed.

If you have a pension, chances are you’re already investing.

We have four investment accounts to help you make your next steps into investing.

Read our investment guide

As a Premier customer you have access to support, guidance, and financial planning.

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As a Premier member you have access to our expert team of qualified financial planners.

We offer two levels of advice:

• Specialist financial advice, made for large investments, with focused support and strategic recommendations, looking at the bigger picture.
• One-off investment advice, made for investments from £50 and people who want to discuss their investment options before making a decision.

Financial planning and advice

We have five ready-made funds, each with a different level of risk and potential return.

They are made up of different percentages of cash, bonds, and shares, and are balanced to reflect people’s investment styles, financial goals, and risk-appetites.

All our investment solutions are managed by Coutts, and are made up of a range of companies and industries who aim to positively impact our world.

More about ready-made funds

The five ready-made investment funds available are well diversified. They invest around the world and in different sectors.

You can find out where your money will be invested by checking the latest available fund factsheets.

See key investment documents

Our calculators help you see how your money could grow based on how much you can afford and how long your want to invest for.

You can also compare the ready-made funds and their potential for returns.
These forecasts show what you could get back in different market conditions and aren’t a guarantee of a set return. 

The value of investments can fall as well as rise, and you may not get back the full amount you invest.

Our investment calculators

Responsible investing consists of three key areas: environmental, social, and governance (ESG).

Coutts, the investment manager for the Personal Portfolio Funds, uses this investment approach for the funds they select.

More about investing in change

Coutts are one of the best-known private banks in the world. NatWest have partnered with them since 1969.

They have more than 300 years of experience and more than £43bn (Q1, 2024) in assets under management.

Read more about Coutts