What are Moneybox funds?

Moneybox funds are our own range of ready-made, multi-asset investment funds – offered in partnership with Amundi, the largest European asset manager.

 

What you’ll pay with Moneybox funds

Our lowest service fee at 0.15%, plus a 0.29% fund fee. That’s £4.40 a year for every £1,000 invested, compared to £7.40 when investing with other funds we offer (assuming the same 0.29% fund fee, with the higher 0.45% service fee for other providers’ funds on our platform).*

You’ll also no longer pay a £1 monthly subscription fee if you have £5k or more across your Moneybox investing accounts.

 

Built with Amundi

We’ve partnered with Amundi, the largest European asset manager, to create our Moneybox funds. Amundi looks after over £2 trillion worldwide and runs the funds from Dublin with a team of eight portfolio specialists averaging 17 years each in the industry.

They pair Amundi’s investment expertise with our understanding of how our customers actually save and invest. Each fund is structured as a ‘fund of funds’, so it benefits from multiple levels of oversight, and it’s actively managed by the experts at Amundi, drawing on decades of investing expertise and their world-leading investment research institute.

Inside, each fund holds ETFs – low-cost, easy-to-follow funds that spread your money across hundreds of investments. Amundi decides how much goes where, reviewing the mix yearly, adjusting it quarterly, and monitoring it daily.

 

The Moneybox funds

Cautious

This fund mostly invests in bonds with a smaller slice, up to 35%, in company shares from around the world.

Your money is spread across bonds and shares from the US, Europe, Asia and other major markets, with a touch of gold thrown in to help smooth things out. Because it leans more heavily on bonds, it tends to be less bumpy when stock markets wobble, though it won’t shoot up as fast when share prices are booming.

It could suit you if you’d rather keep things calm and steady, rather than chase the biggest possible gains.

Balanced

This fund splits your money more evenly between bonds and shares, aiming for a nice middle ground.

It’s invested across markets in the US, Europe, Asia, and emerging economies like China and India, giving your money plenty of places to grow. It’s built to smooth out some of the market’s ups and downs while still leaving room for growth, sitting between the Cautious and Adventurous funds.

It could suit you if you’re comfortable with a few bumps along the way in exchange for a shot at stronger long-term growth.

Adventurous

This fund is mostly invested in shares – at least 70% – with a small slice in bonds, commodities, and cash to help cushion things.

Your money is spread across major markets including the US, Europe, and other regions worldwide, giving it broad exposure to global growth. Because it leans into shares, it can climb faster when markets are rising, but it can also fall further when they’re not.

It could suit you if you’re happy to ride out bigger swings in value, in exchange for the best chance of stronger growth over the years.

 

How to invest in Moneybox funds

 

*You’d pay £7.40 a year for every £1,000 invested in non-Moneybox funds (assuming an equivalent 0.29% fund fee with the higher 0.45% service fee). Please note fund fees for funds from other providers can vary and are set by the fund provider themselves.

When you invest in funds, transaction costs also apply. These cover the fees to buy and sell the underlying investments. They are reflected in the fund’s daily valuation, so you won’t see these in your activity feed. The fund’s Key Investor Information Document (KIID) details where you can find the latest transaction costs – usually on the Fund Manager’s website.