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Plan & Invest

Investing personalised to you

Start investing to make the most of those special times to come by using your new 2021-22 ISA allowance in an Investment ISA today. The sooner you begin, the sooner you could grow your money, tax efficiently.

How does Plan & Invest work?

Create a Plan

Tell us about yourself, your finances and why you're investing. If Plan & Invest is right for you, we'll create an Investment Plan tailored to you.

2.

We'll invest for you

Our experts will select and manage your investments for you. They'll monitor them regularly and make adjustments if they think they're needed.

3.

Leave it to us

You can keep an eye on your investments whenever you want in Online Banking or the Barclays app.

And we'll check in with you once a year to see if anything's changed in case your Plan needs updating.?

Remember the value of investments can fall as well as rise. You may get back less than you invest. On this page we’ll help you understand if Plan & Invest is right for you and how it works. After reading this, if you’re not sure if this service is right for you, you should seek independent advice.

Other things to know

Investing is best suited for long term goals so you should be willing to invest for a minimum of five years but you can access your money at any time if you need to. However, losses are more likely if you sell your investments early because you may not have time to recover from a downturn in the stock markets.

Minimum investment amount of £5,000 by cash or ISA transfer. You should carefully consider the implications of transferring before doing so. You can find out more in our FAQs.

Available to Barclays current account holders.

To use Plan & Invest you must be over 18, a UK tax resident and not a US person.

How do you get your personalised Investment Plan?

Tell us about yourself

To help us make sure your Investment Plan is truly personalised, we ask you a series of questions online.

It’s important that we get this right so we ask you to set aside some time to do this.

We’ll ask you about:

Your investment goals

Your finances

How you feel about taking risk

Your annual ISA allowance.

At least once a year we’ll ask you to repeat these steps so that we can make sure you’re always invested in a way that’s right for you. If your circumstances change you can also do this online at any time.

We'll create your personalised Investment Plan

The Plan will show you:

How much you can afford to invest straight away and on a monthly basis

The likelihood of reaching your goal, if you’ve set one up and what you can do to boost your investments

The investment strategy we believe is right for you and how we’ll adjust it as you get closer to the time you want to use the money generated by your investments

The combination of ISA and/or Investment Account we’ll open for you so that you’re investing in a tax-efficient way. We’ll use an ISA first when appropriate. Although, please be aware that tax rules can change and their effects on you will depend on your individual circumstances.

Behind the scenes

If you decide to invest with us, you can have peace of mind knowing that the professionals looking after your investments are the same ones used by our customers with large sums to invest.

You can hear directly from them about how they select and manage investments in our series of Plan & Invest videos and articles.

We work with some of the best in the world

We work with the fund managers we believe are amongst the best in the world at what they do, so they can handle the complexity of investing for you.

We'll make sure your eggs aren't all in one basket

Our team will make sure your investments are spread across a broad range of companies around the world and that you're not overly invested in one particular location or industry.

We'll monitor your investments regularly

They'll also make sure you're always invested in a way that's right for your personal circumstances and that your investments are performing in line with our expectations.

If we see an opportunity we'll act

If we spot an opportunity in the markets, we'll make adjustments to your investments to take advantage of it.

How much will it cost?

The total cost is the combination of our service costs and product costs.

Service costs

These costs cover the planning, investing and safekeeping services we provide.

1.14% p.a. of the value of your account(s) payable monthly

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Product costs between 0.25% - 0.45% p.a. of the value of your investments

These are related to the products you're invested in. The actual amount will depend on the type of investments we select for you in your personalised Investment Plan.

Representative example

Based on the value of your account(s)

Account value

Service costs per month

£5,000 (min. investment)

£4.75 per month

£20,000

£19 per month

£100,000

£95 per month

Products costs are in addition to the service costs shown above.

Any questions?

We’ve got lots of information in our?FAQs but if you’d like to talk to someone, our UK based team are just a phone call away. Call us on 0333 202 7533. Opening hours: Monday – Friday 09:00 – 17:00 (excluding UK bank holidays).

Call charges may apply. Please check with your service provider. To maintain a quality service we may monitor or record phone calls.

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