At Investec Click & Invest, we passionately believe that everyone deserves harder working money. To help make this a reality, we‘re pleased to announce that we have lowered our minimum initial investment from £10,000 to £2,500. We hope this will empower more people across the UK to begin their investment journeys.
Making your money work harder
With Click & Invest, you will get an exceptionally diversified investment portfolio, built around your financial needs. Our 20+ strong research team scrutinises tens of thousands of investment opportunities, and our investment managers monitor the markets continuously to ensure that your portfolio is in line with your risk strategy, taking advantage of market movements.
We aim to blend high quality investment management and a seamless online experience, with the convenience of 24/7 support whenever you need it.
Empowering people to start investing
Jane Warren, Investec Click & Invest CEO, comments: “We are passionate about empowering people to understand the opportunities and benefits of investing in the stock market. We also want more people to access active investment expertise, whether that’s through opening up a stocks and shares ISA or from a general investment account. We know that when it comes to investing, the hardest part is often getting started and the prospect of conducting your own research can be daunting and time consuming. Our service solves that problem by combining premium investment expertise with the convenience of an online service.
“The online investment industry is still relatively young, and at Click & Invest we are continually monitoring for and developing ways of enabling people to discover the benefits of investing. We are pleased to announce a new minimum investment threshold. Not only will it enable more investors to benefit from our commitment to delivering a high-quality active investment service, it also furthers our mission to make investing as straightforward and transparent as possible.”
Start investing: 5 tips from our CEO
As part of Click & Invest’s mission to empower more people to invest, CEO Jane Warren gives her five top tips for first-time investors to start investing in 2019:
Know what you’re investing for and set goals
This could be a deposit on a house, retirement savings or simply to make your existing savings work harder by utilising your annual ISA allowance. Before you can answer some of the following questions, it’s good to have an idea of exactly what this goal is for you.
How long do you want to invest for?
This is about distinguishing between your short and long term goals. If you’re looking to build your pot of money to afford something within the next three years, then your money may be better off in a savings account. We recommend investing for those longer-term goals, which usually means your money is set aside to grow for more than three years. If you can afford to leave it aside for longer, your money could also benefit from the positive impacts of compounding and long-term growth, with less vulnerability to the short term effects of volatility.
How much can you afford to invest?
It’s always wise to have some rainy day savings kept aside for any unexpected large payments, such as broken boilers or a car breakdown. Choosing to invest any spare or non-emergency cash over the long term, could offer you higher returns than saving your money in a bank account, and help protect your money from the erosive effect of inflation due to low interest rates.
Be realistic about what you are comfortable with
The very definition of risk invariably differs from person to person. Understanding the amount of risk you are willing to take with your money is an important step to consider before investing, and if you decide not to do it alone, a service like Click & Invest will build an investment strategy around you, your financial goals and the amount of risk you are comfortable taking.
What service is best for you?
If you are happy to invest in the stock market yourself, and take control over buying and selling your own investments, there are what are known as “DIY” services available, which will allow you do this. However, if you would prefer a service where a team of investment experts manage investments on your behalf, there are several platforms offering this service. Investing with a service that you can trust is the best start for any first-time investor. That way, you can feel comfortable your money is being invested in the right way by investment experts.
Start investing: why now?
Alex Neilson, investment manager at Click & Invest gives his outlook for 2019, and why he believes now is the right time for investors to make the leap:
“What makes 2019 unique is the number of factors that are currently causing market volatility. Be it Brexit here in the UK, budget concerns in the EU, rate rises in the US or the ongoing trade renegotiations in emerging markets, there are many political and economic factors that are weighing on market sentiment. In such a climate, the stock market can be an intimidating place, especially for first time investors. However, there is plenty for investors to be excited about in 2019.
“Our expectation is that 2019 should see positive moves in the US/China negotiations which should set emerging markets up for a decent rally, given that they had a torrid 2018. The Chinese based Hang-Seng index is currently trading close to historic lows on a profit and earnings basis and as such we foresee growth. Much of this rests on the timeline of the US/China deal, and all eyes are currently on that as we start the year off.
“Long-term investors should be wary of making decisions based on the daily dramas of the news cycle. Recent headlines may suggest an uncertain fate for emerging markets, but we see fundamental value there, which is why we have significantly increased our emerging market exposure towards the end of 2018, with a particular focus on Asia. Some of the funds we’ve picked to gain exposure to emerging markets include the Schroder Asian Alpha Plus fund, which gives us access to a broad stock profile of the best ideas in Asia, and the Hermes Emerging Global Markets, a fund where growth at a reasonable price ensures we don’t get caught out by overly expensive stocks in periods of emerging markets strength.”
If you have any questions about the new minimum investment amount or how you can get started with our Stocks & Shares ISA or General Investment Account, please feel free to contact our support team at [email protected] or +44 203 866 1234.
Opinions given within this article are the speakers’ own personal views. The views and opinions are effective from the date of publication but may be subject to change without notice.
Please remember past performance is not necessarily a guide to the future and should not be relied upon. With investment your capital is at risk.
This article is not intended to constitute personal advice and no action should be taken, or not taken, on account of information provided.