Home >

Regular Investing

Make the most of your spare cash

With regular investing, you can top up your investments with as little as £25 each month.

get started

 

What is regular investing?

It is the 'little and often' approach to investing, which can be less risky and more profitable.

By regularly drip-feeding your money into the stock market, you will end up buying shares at different prices. When prices go up, your money will buy fewer shares. When prices drop, it will buy you more.

Snapping up shares in this way, rather than with a hefty lump sum, is known as pound-cost averaging.

If the market goes through a rough patch, regular investing helps cushion the impact. It does not guarantee better returns than investing a lump sum but, over a fixed period, you will have paid the average price of the share. This reduces your risk and gives you a smoother return.

Benefits

✔   Build for your future
A convenient way to grow your investments in a SIPP, ISA, Junior ISA and Trading Account.

✔   No lump sum, no worries
Set up a monthly direct debit and sit back.

✔   You're in control
Change your investment amount or stop at any time.

How does regular investing work?

Say you buy £100 of shares a month. In the first month the share price is £5, so you can buy 20 shares. In the second month, the price falls to £4. But you can now buy 25 shares for £100.

Holding 45 shares in total, you are now better placed to profit when the price picks up.

By spreading the investment – £200 over two months – those 45 shares were bought at an average price of £4.44 each. Investing £200 in one go would have bought only 40 shares, at a cost of £5 each.

Why regular investing could be right for you

Moira O'Neill, interactive investor's head of personal finance, explains why regular investing is so beneficial, why the new year is the perfect time to review what you are paying and how ii is making its fees even simpler.

Getting started

Invest with as little as £25 per month and each monthly purchase made using the regular investment service is FREE.

You can have up to 25 regular monthly investments per account. Invest in our full range of funds, popular shares (including the FTSE 350), ETFs and investment trusts.

Access our award-winning insight. Whether you are seeking growth, income or both, you will find plenty of inspiration.

Existing customers

  1. Log in and select free regular investing from the trading menu.
  2. Choose the account you wish to regularly invest in.
  3. Select your investments.
  4. Set up a direct debit, if you want to, and your monthly amount.

When investing regularly in your Stocks & Shares ISA, you will instantly be able to see how the subscriptions impact your annual allowance.

log in and get started

New to ii?

Regular Investing is a feature available in our:

Find out more about our accounts today.

choose an ii account

Save the dates

  • Payment (the 12th of each month)
    This is when we request the direct debit from your bank account, to credit your ii account.
  • Trading (the third Wednesday of the month)
    This is when we will carry out your investment instructions, in the order you have them listed in your account, up to the value of your available cash.

Between these dates your cash balance will show a higher figure prior to the trade(s) being placed.

Investment ideas

Quick start funds

Three low-cost funds selected by our experts. A simple way to help get you started.

 

Popular investments

We all like to know what other investors are doing. It helps us make sure we’ve not missed out on a new investment opportunity, or provides a helpful nudge into thinking about our own portfolios.

Here are the funds, shares, investment trusts and ETFs that are most popular with our regular investors (31 January 2020).

Our most popular investments should not be taken as personal recommendations to buy or sell a particular stock or fund, and are not intended to provide advice. 

Tools and insight

8 January

Why regular investing could be right for you

Moira O’Neill, ii’s head of personal finance, explains the benefits of regular investing.

by Moira O'Neill

Risk Warning: The price and value of investments and their income fluctuates: you may get back less than the amount you invested. If you are unsure about the suitability of a particular investment or think that you need a personal recommendation, you should speak to a suitably qualified financial adviser. Please note, the tax treatment of these products depends on the individual circumstances of each customer and may be subject to change in future. If you are uncertain about the tax treatment of the products you should contact HMRC or seek independent tax advice.