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Investment Funds

Invest in what matters to you

Investing in a single company can be risky business 🎢 Funds allow everyday investors to take advantage of economies of scale by pooling their money.
Capital at risk.

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Plum Investments

Plum does not provide investment advice and individual investors should make their own decisions or seek independent advice. The value of investments can go up as well as down and you may get back less than your original investment. Past performance is not a reliable indicator of future results.

Why invest in funds?

Professionally managed

Investment funds are managed by professionals, who seek to maximise returns while achieving a specific aim.

Have a diverse portfolio

If one investment isn’t performing well it should only affect a small portion of your overall portfolio.

Invest in what matters to you

Find the perfect fund for you. From Global Tech to UK Ethical Equity, there’s something for everyone.

Our list of funds

A fund’s aim could be to focus on a certain sector, such as Technology or Environmental (ESG). Alternatively, a fund might attempt to mirror the performance of a particular stock index, like the S&P 500 or FTSE 100.

Cautious Fund

A mix of shares selected to control risk and deliver modest growth.

Varied Fund

A selection of assets intended to try to deliver moderate risk and growth.

Balanced Fund

A diversified fund with moderate risk that has a higher proportion of equities than bond investments, aiming for higher growth.

Bold Fund

A bold fund that has a large proportion of equities, aiming for higher investment reward with a greater level of risk.

UK Safe Haven

Closely linked to the Bank of England rate, so its yield rises when interest rates rise and vice versa.

Global Tech

Invest in Technology Shares (like Facebook and Apple).

Global Health

Shares of Healthcare, Pharmaceuticals and Biotechnology companies.

Emerging Markets

Invest in the growth of new giants in Asia and Africa.

Balanced ESG

A diverse mix of assets selected based on Environmental, Social and Governance criteria.

UK Ethical Equity

Invest in UK companies selected for their Social Responsibility.

Growth ESG

Shares of global companies selected for their Environmental, Social and Governance track record.

Core US

A very wide range of US company shares that tracks the performance of the S&P Total Market Index.

Core UK All Share

A wide range of UK company shares that tracks the performance of the FTSE All-Share Index.

Core Europe

Shares of large and mid-size companies, in developed European markets.

Slow & Steady

With 20% shares 80% bonds, you can expect moderate returns, but are better protected from losses.

Balanced Bundle

With 60% shares 40% bonds, this fund offers a balanced combination of shares and bonds.

Growth Stack

With 80% shares 20% bonds, this fund leaves you most exposed to growth or losses in the market.

Discover 9 extra exclusive funds

Diversify your portfolio with country funds as well as Gold and Real Estate.

Natural Resources

Invest in equities with a focus on oil, gas, exploration, diversified mining, gold and precious metals.

Global Gold

Invest in gold and gold mining companies from across the world — Actively managed fund.

Biotech & Genomics

Invest in equities with a focus on the biotechnology, genomic and medical research.

Real Estate

Invest in real estate companies across the US, Japan and Hong Kong.

Inflation Protected

Invest in UK corporate bonds and cash — Actively managed fund.

UK Dividends

Invest in UK equities from different industries with a focus on dividend growth.

Global Dividends

Invest in equities from across the world and different industries with a focus on dividend growth.

Core Japan

Invest in equities with a focus on the Japanese market.

Core China

Invest in equities with a focus on the Chinese market.

How does it work?

Set your own rules

You decide and control how much you want to invest. Then you can leave Plum to it!

Choose your funds

Once you’ve chosen your investments, we can split your deposits between them, automatically.

Let your money work

You can deposit or withdraw as often as you like, with no hidden fees or charges.

Secure, human, helpful

Your security and privacy lie at the heart of Plum, because we know there’s no room for compromise when it comes to money.

From helpful humans to secure tech, we have you covered.

Security, not through obscurity.

Tech that keeps you safe

We support face & fingerprint ID and use 256-bit TLS encryption.

Here to help 7 days a week

Got a question? Talk to our team through your app or send us an email.

Data privacy

We never share your data with any other parties without your consent.

Common questions

It is important to understand that investing comes with some risks. Your capital is at risk, which means that it is possible that the amount you invest (your "capital"), will not increase in value, or even that you get back less money than you put in.

Keep in mind that historic performance is not a reliable indicator of future performance. With shares, it is not possible to predict future returns, therefore your return might be different than what you expect.

Read more on risks

Ah! The famous "shares" and "bonds" lingo. With a share you own a little bit of a big company, like Facebook. If the company does well, the share value will increase which is when you might make some money. A company's stock is the sum of all shares.

A bond on the other hand, is a loan to a big company, or government. They are safer as they have a stable return (interest rate), and will be paid back as long as the company doesn’t go bankrupt.

Read more on shares and bonds

An ISA is a tax-free account for holding cash and/or investments. The Plum ISA is a Stocks & Shares ISA which allows you to invest without any capital gains tax on the return of your investments. You can deposit up to a maximum of £20,000 in your ISA per tax year.

Read more on ISAs

When you invest in funds like Tech or Growth, you open an investment account with Gaudi Regulated Services LTD, an FCA-regulated firm. They buy the investments for you and keep them safe, until you sell them again. Your money is protected by the FSCS guarantee.

Investing money is different to depositing money in a savings account, and we cannot guarantee instant access. It usually takes 5-7 working days for any withdrawals to be completed.

Read more on withdrawals

Our introductory selection of investment funds are available with a Plum Pro subscription (priced £2.99 per month), with our full range of funds unlocked for Premium tier subscribers (£9.99 per month). You can try any of our subscription tiers for one month, completely free.

In addition to the subscription charge, there are platform fees and fund management fees that depend on the specific fund you choose.

Learn more about pricing.

If you have any other questions you can visit the full FAQ.

You should not invest in, or deal in any financial product unless you understand its nature and the extent of your exposure to risk. When you invest you should be satisfied that it is suitable for you in the light of your circumstances and financial position.

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