INVEST
IN YOUR FUTURE

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. And it’s impossible to predict the future, so your return might be different than what you expect.

With a share you own a little bit of a big company, like Amazon. 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.

An ISA is a tax-free account for holding cash and/or investments. You can deposit up to a maximum of £20,000 across your ISAs per tax year. As well as a Stocks & Shares ISA, you can also open a Cash ISA or Lifetime ISA with Plum.

When you invest in a fund using the Plum app (whether for a General Investment Account, Stocks and Shares ISA or Self Invested Personal Pension), you’re buying part of a fund made available to Plum by an FCA-authorised and regulated fund provider. Your investment in a fund (client asset) is segregated from any assets held by the fund provider (their own assets) and the respective regulated custodian. This custodian helps ensure your share of any Plum investment funds are not stolen or lost. As a result, a high level of protection is available in the unlikely event of a firm’s insolvency.

If the appointed custodian or fund provider were to fail, you would benefit from the FSCS. Investments are held within the fund itself, so a high level of protection is already in place in the unlikely event that a fund provider is insolvent.

Our introductory selection of investment funds are available with a Plum Plus subscription (priced £3.99 per month), with our full range of funds unlocked for Max subscribers (£14.99 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.

You can start investing in Stocks with a Basic account, but unlock more with Plus (£3.99 per month), Boost (£7.99 per month), and Max (£14.99 per month). We won’t charge you commission for the first two trades you make, but after that, the commission will vary depending on your subscription tier. Other currency conversion charges and regulatory fees may still apply. For example, if you were to buy and then sell 1 share worth $100, a 0.45% currency conversion charge would be applied on each transaction. So, the total fees charged for these 2 trades would be around 90 cents.
Read more about our fees here.