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Investments

Invest from £1

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.

Plum Investments

Past Performance is not a reliable indicator of future results

Become an investor in 5 minutes ⏱

Open your own Plum ISA 👍

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

After you invest in your funds, they will be held by Gaudi Regulated Services Ltd, who are an FCA regulated custodian.

See how much you could make…

Bank
Investing
…if you deposit
£ per month
For years

These performance calculations are based on a rate of 0.01% AER compounding interest and 12.68% yearly growth respectively. The Investments growth is based on an average of all Plum investment products over a five-year period and is for illustrative purposes only. Your capital is at risk when investing. Forecasts are not a reliable indicator of future performance. Please note that a bank's deposit account is covered by the Financial Services Compensation Scheme (FSCS). Learn more about bank interest rates & Plum investment returns.

How does it work?

1

Set your own rules

Easily control how much you want to invest, so you can leave Plum to it.

2

Choose your funds

Once you’ve made your selection, we can split your deposits automatically.

3

Let your money work

You can deposit or withdraw as often as you like.

Our list of funds

Investing in a single company is risky business 🎢 Our funds are a mix of thousands of companies and other assets, so if one doesn’t do well, it should only affect you in a small way.

Tech Giants

Invest in Technology Shares (like Facebook and Apple).

29.02%

Clean & Green

Invest in companies selected for their Social Responsibility.

8.65%

Rising Stars

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

16.60%

Medics

Shares of Healthcare, Pharmaceuticals and Biotechnology companies.

11.07%

Balanced Ethical

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

N/A*

Growth Ethical

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

N/A*

American Dream

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

17.48%

Best of British

Shares of the 100 largest public companies in the UK.

7.02%

European Essentials

Shares of the large and mid-size companies in developed markets in Europe.

12.09%

Slow & Steady

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

4.87%

Balanced Bundle

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

8.98%

Growth Stack

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

11.04%

As of 07 June 2021.
Remember, these are average annual returns of the past 5 years and past performance is not a reliable guide to future performance. As with all investing, your capital is at risk.

Note: *'Balanced Ethical' & 'Growth Ethical' funds were introduced in 2020, hence no annual return figures are yet available.

Take control of your Personal Pension

Plum’s Self Invested Personal Pensions (SIPP) let you consolidate existing pension policies and invest in risk managed or other well diversified global funds. Capital at risk.

Learn more about Pension →

Plum Pension Fund

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.

Tech that keeps you safe

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

Humans on hand

Our customer support team is ready to help you, 7 days a week.

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 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

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.

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