Investments and Pensions
Invest in your future with confidence
Choose from a simple range of ready-made portfolios, managed by experts.
Why invest with Octopus Money
Expert managed
Your money is invested in globally diversified portfolios, built and regularly rebalanced by professionals.
Good value
We choose low-cost funds from across the market to keep costs down – so more of your money stays invested and working for you.
Trusted
Part of Octopus Group – managing investments for more than 25 years.
Choose the right
account for you
Stocks & Shares ISA
Make your money work harder – without paying tax on your returns
- Invest up to £20,000 each tax year
- No capital gains tax or income tax
Perfect if you’re looking for a tax-efficient way to grow your wealth
General Account
Invest as much as you like, whenever you like
- No annual limits on how much you can invest
Perfect if you want a flexible account and have used your ISA allowance
Pension
Take control of your retirement
- Get tax relief on contributions (up to 45%)
- Invest up to £60,000/year (or your earnings)
- Access your money from age 55 (rising to 57 from 2028)
Perfect if you’re thinking long-term and want to grow your retirement savings more effectively
Our 3 ready-made portfolios
Cautious
You’re happy accepting potentially smaller returns in exchange for a smoother ride.
The majority of this portfolio is in bonds and cash – stable assets designed to cushion the ups and downs.
Balanced
You’re comfortable with some ups and downs if it means better long-term returns.
This portfolio is roughly two-thirds shares and one-third bonds.
Adventurous
You’re focused on maximising growth and comfortable with your investments rising and falling – sometimes significantly – along the way.
This portfolio is made up almost entirely of shares, giving it the highest growth potential of the three.
Remember, the value of investments can go up and down, so you may get back less money than you put in.
Simple, transparent fees
You’ll pay around 0.60% per year, all in. That includes a 0.40% yearly platform fee plus the cost of your investments. We’ll always confirm the exact cost before you invest. No surprises, no hidden charges.
If you’re not sure whether investing is right for you,
we can help.
We’ll build a personalised financial plan around your goals and help you understand your options.
