We keep costs low and transparent so you’ll know exactly what you’re paying for and when.
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The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply.
Your fees will be 0.55% of your investment or less
We do not charge an initial, also known as an 'upfront fee', when you invest with us. We charge fees for managing your investments totalling 0.55% these consist of a platform fee of 0.15% and a fund management fee of 0.40%.
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There are also costs for buying and selling within your investment - these are called transaction costs. Based on actual past costs, the highest costs for any of the available funds will be 0.07% of the value of the fund each year. These costs will be taken directly from the fund.
Platform fee
The maximum you’ll pay is 0.15%. That’s 15p for every £100 of your investments.
This covers the cost of admin and online access to your Royal Bank Invest account.
We take this payment at the end of every quarter (that’s March, June, September and December).
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Fund fee
The maximum you’ll pay is 0.40%. That’s 40p for every £100 of your investments.
This covers the cost of managing your investment.
The fund fee is taken directly from the fund by the fund manager. It's made up of an annual management charge averaged out over the year and taken on a daily basis..
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Choose how to pay the platform fee
You can pay your platform fee directly from your investment or you can pay from your Royal Bank of Scotland bank account.
If you pay directly from your investment, this will impact the value of your investment.
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We tier the platform fee
The platform fee varies depending on how much you invest.
- If you invest up to £1m, you’ll pay 0.15%.
- Anything above £1m up to £5m you pay 0.10%.
- Anything over £5m you pay our minimum platform fee of 0.05%.
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We keep our fund fee low
Low fees means you keep more of what your investment makes.
- 0.30% is for the management of the fund.
- 0.10% or less is for the underlying investments’ fees. Our funds invest in a spread of different funds – also known as a fund of funds. Those funds have fees that we pay. If those fees are less than 0.10% then your fees will be lower. If those fees are higher than 0.10%, then you will not pay anything more.
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Your investments are protected
The Personal Portfolio Funds available through Royal Bank Invest 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.
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Coutts is a Certified B Corporation
Coutts, our private bank that manage your investment, are a B Corporation. That means they will invest your money responsibly.
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Things to know if you're new to investing
We dive into the essentials that every beginner should know to start building a strong financial future.
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Ways to invest
If you’re looking to build wealth over time, then investing your money could be a good way to start. Check out our range of investment options to fit your financial goals.
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