Online Investing
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SIMPLE 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. |
- You choose one of five funds with SFO's 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 1 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 80% Bonds, 18% Equity and 2% Cash.
LOW TO MEDIUM RISK
PERSONAL PORTFOLIO 2 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 60% Bonds, 38% Equity and 2% Cash.
MEDIUM RISK
PERSONAL PORTFOLIO 3 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 44% Bonds, 54% Equity and 2% Cash.
HIGH RISK
PERSONAL PORTFOLIO 5 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 SFO?
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 SFO Invest, you can manage more of your money in one place.
YOU MAKE THE MOST OF YOUR ISA AND PENSION ALLOWANCES
- Use SFO Invest to take advantage of your annual ISA allowance. You could also get the benefit of pension tax relief by using the SFO Invest Pension.
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.
- We are committed to investing in a sustainable way that helps protect our planet’s future. Up to 80% of the funds behind SFO Invest aim to have a low carbon footprint and strong focus on the environment, equal rights, fair pay, and other important issues.
- Also, funds that we set up which form an important part of SFO Invest, do not invest in any companies over-exposed to:
- Thermal coal extraction and energy generation
- Tar sands
- Arctic oil and gas exploration
- Controversial weapons
So investing through SFO Invest could be good for your conscience as well as your cash.
WHAT IT COSTS
| SFO INVEST FEES, COSTS & CHARGES | |
| AN ONGOING CHARGE | NO MORE THAN 0.50% 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 & CHARGES COVER
PLATFORM FEE
- This covers the cost of administration and online access to your SFO 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 0.5% of the value of your investment each year.
TRANSACTION 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 SFO client to use SFO Invest . Once you’ve joined us, you’re just three simple steps away from its benefits
LOG IN AND EXPLORE YOUR OPTIONSUse Coutts Invest for a general investment, ISA or pension. You can set it up from scratch or easily transfer an existing arrangement. |
DECIDE HOW MUCH AND WHICH FUNDStart 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. |
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SFO invest is available to clients who are:
- Resident and domiciled for tax purposes
- Aged 18 or over
- Already a user of SFO Online
- Have a minimum of five years to invest
If you’re over 74, but non-domiciled for tax purposes, speak to your private banker who will be able to organize access for you.
Fees and charges apply.
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 SFO 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 SFO Invest.
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