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Investments

Grow your money

Own a piece of Google and Apple, ride the wave of emerging markets like China and Brazil, or back socially responsible companies 📈 Capital at risk.

Get early access! Investing is currently invite-only. Sign up and join the waitlist to be one of the first to get access ✌️

Investment portfolio webview

Start investing with as little as £1

Open your own Plum ISA and become an investor in 5 minutes ⏱

We’ve hand-picked a range of simple, approachable options, so whether you’re a first-timer or a seasoned pro you can find something to suit you.

See how much you could make…

Bank
RateSetter
Funds
…if you deposit
£ per month
For years

These performance calculations are illustrative only and the figures can vary. Learn more

Invest in what matters to you

Choose between themes of companies and markets. These funds consist only of stocks.

Investment webview on advanced funds page

Tech

Invest in Technology Stocks (like Facebook and Apple).

23.3%

Ethical

Invest in companies selected for their Social Responsibility.

11.7%

Emerging Markets

Invest in growth of new giants in Asia and Africa.

5.0%

Remember, past performance is not a reliable guide to future performance, and as with all investing, your capital is at risk.

Invest at risk-levels to suit you

Good for first-time investors. These mix stocks (higher potential return) and bonds (lower risk).

Investment webview on basic funds page

Conservative

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

4.9%

Balanced

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

8.7%

Growth

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

10.5%

Remember, past performance is not a reliable guide to future performance, and as with all investing, your capital is at risk.

Invest in people and businesses

Invest flexibly in a selection of UK business and personal loans through RateSetter. All loans are made through RateSetter. Instant access not guaranteed.

Investment webview on RateSetter page

RateSetter

Invest flexibly in a selection of UK business and personal loans.

3.6%

Remember, past performance is not a reliable guide to future performance, and as with all investing, your capital is at risk.

Secure & helpful

When it comes to money, there's no room for compromise. We've built Plum from the ground up with your security and privacy in mind.

Got a problem? Chat to our lovely team directly in Plum. Alternatively, you can email or call us.

Security, not through obscurity.
FCA registered

We're an Appointed Representative of Resolution Compliance Limited.

Humans at hand

Our customer support team is ready to help you, Monday to Saturday.

Strong 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 stocks, 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 "stocks" 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 stocks 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.

If you choose to invest with RateSetter, an FCA-regulated firm, your money will be lent out to checked and approved businesses and people. When you sell your investments, RateSetter will find someone else to take over the loan you've given out.

Investing money is different to depositing money in a savings account. Your money is used to buy shares in companies or lent out to businesses and invidivuals. Therefore, we cannot guarantee instant access. It usually takes 5-7 working days for your withdrawal to be completed.

Read more on withdrawals

Investing with Plum is part of Plum Plus, which costs £1/month with the first month free! Additionally, our fund options have management fees which go directly to our partners.

Read more on pricing

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

Let’s get started.

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