Tell us about you.
Your goals, your time frame, your finances and how you feel about risk. Your answers are where the plan begins.
Your future, in your own words.
YOUR FUTURE. A LITTLE CLEARER.
Investing,
alongside you.
Tell us your goal. We’ll show you what to invest in, explain it in plain English, and help you put money in every month.
Principal and account eligibility awaiting verification.
invest101PLUSYour long-term plan ILLUSTRATION
£32,741.00
A clearer picture of your future.
Balanced conceptIllustrative mix
| Asset class | Weight |
|---|---|
| Global equities | 35% |
| Digital assets | 12% |
| Commodities | 23% |
| Real estate | 15% |
| Bonds | 15% |
A plan with a reason.Understand every part of your portfolio.
01 Built around your goals02 Explained, not complicated03 A monthly investing habit
FROM “WHERE DO I START?”
To a plan you
can make sense of.
You don’t need to know every ticker.
You need to know what you’re working towards.
Meet your portfolio.
Create your account, then unlock your personalised allocation and explanation with Plus. Or choose Free and invest your own way.
The what. And the why.
Build your habit.
Choose your monthly amount. New contributions go towards the parts below their target weight, helping keep your plan aligned.
Small steps. A longer view.
INVEST101 PLUS
More than a portfolio.
A reason behind it.
WHAT IS INVEST101 PLUS?
Your situation.
Your own portfolio.
Turn your circumstances into a tailored investing plan, ready to invest in through your Invest101 account.
Age & life stageGoals & time frameRisk & affordabilityAsset preferences
Personalisation is subject to assessment.
YOUR PLAN, EXPLAINED
Finally, investing
that makes sense.
Every holding has a job. Your written plan and narrated walkthrough explain the role, the risks and how it fits your goal.
Your portfolio, in plain EnglishBritish English · sample walkthrough
Sample explanation only. No personal recommendation.
Your goal comes first.
Build long-term wealthGive your future more possibilities.
Work towards a homeWith a time frame that fits.
Create more freedomKnow what you’re working towards.
Investing may not suit short-term goals.
A few questions. A clearer starting point.
THE WHOLE PICTURE
Your money has a purpose.
Give it a plan to match.
From your first question to your next milestone, Plus helps make the decisions easier to understand.
Start with your destination.
A home, a longer-term nest egg, or more options later in life. Your goals and time frame shape the plan.
GOALS & TIME FRAMESFind your comfort zone.
We consider the risk you feel comfortable taking and what you could afford to lose. Those aren’t always the same thing.
RISK & AFFORDABILITYMake room for preferences.
Prefer to leave out digital assets, bonds or another asset class? Your preferences inform the mix, subject to suitability.
PREFERENCES & PERSONALISATIONSee the bigger picture.
Explore how time, regular contributions and different return assumptions could affect your future portfolio value.
SCENARIOS & COMPOUNDINGKeep the reasoning close.
Your written plan brings together the allocation, each holding’s role, the risks and costs. Revisit it whenever you need clarity.
YOUR PERSONAL INVESTING PLANLet the plan evolve.
Life changes. Review your goals and contribution amount, and reassess the portfolio when your circumstances change.
ONGOING REVIEWSA STARTING POINT. THEN YOUR OWN PLAN.
Five directions.
One that starts with you.
Five starting frameworks. Your goals, finances, risk profile and preferences shape the holdings, weightings and contribution plan within the agreed investment approach.
01DefensiveRelative risk starting point
02ConservativeA measured approach
03BalancedA broad asset mix
04GrowthGreater growth focus
05AggressiveHigher risk tolerance
BALANCED · PROPOSED EXAMPLE
Different assets.
A shared purpose.
This five-asset mix is an example starting point. Your portfolio is developed around your situation, with allocations and exclusions reassessed for you—not simply assigned from a list of five.
5asset classes
Global equities35%
Digital assets12%
Commodities23%
Real estate15%
Bonds15%
These are starting frameworks, not risk ratings or recommendations. Your target weights and detailed explanation are part of Plus. Digital assets are high risk and excluded from the ISA plan. Exclusions require reassessment.
THE POTENTIAL OF STAYING CONSISTENT
A little today.
What could it become?
Change the numbers. Explore the possibilities.
See how your contributions and compounding could work together over time.
Illustrative value after 30 yearsNOT A FORECAST
—
You put in—
Growth after service fees—
In today’s money—
Illustrative portfolio valueMoney contributed
Illustrations are not guaranteed. Capital at risk.
AUTOMATIC INVESTING · INCLUDED WITH PLUS
A portfolio that
keeps up with you.
One monthly deposit. A personalised investing routine. New money goes to work with your target allocation in mind.
Choose your monthly amount.
Set up a monthly Direct Debit or regular deposit into your Invest101 account, using the funding options available at launch.
Your money follows your plan.
Once the funds clear, scheduled purchases put your contribution into your personalised portfolio under your agreed instructions.
Rebalance as you contribute.
We direct new money towards investments below their target weight, helping bring your portfolio back towards its agreed percentages.
NEW MONEY. GIVEN DIRECTION.
Your deposit, distributed with purpose.
YOUR MONTHLY DEPOSIT£1,000Your allocation has drifted
| Asset class | Now | Target |
|---|---|---|
| Global equities | 37% | 35% |
| Digital assets | 11% | 12% |
| Commodities | 22% | 23% |
| Real estate | 15% | 15% |
| Bonds | 15% | 15% |
New money tops up the gaps across your mix.
Invest101Our proprietary softwareCheck current weightsFind the gapsAllocate your deposit
Global equities£200
Digital assets£300
Commodities£300
Real estate£100
Bonds£100
New money goes where it’s needed.
This example starts above its equity target. More new money goes towards the underweight parts, helping bring the portfolio closer to its intended mix.
Illustrative allocation. Capital at risk.
YOUR INVESTING. YOUR WAY.
Go your own way.
Or get a plan.
One platform. A plan for every next chapter.
INVEST101 FREE
Choose your own way.
£0/ month
Your investing account. Your decisions.
- Browse, buy and sell investments
- Holdings, performance and order history
- Deposits, withdrawals and regular funding
- No monthly subscription
INVEST101 PLUS PERSONALISED
One plan.
Personalised for you.
£12.99/ month
Everything in Free, with direction built around you.
- Your tailored portfolio and target allocation
- A full written and narrated explanation
- Automatic investing with each contribution
- Plan reviews and future-value scenarios
INVEST101 BLACK MULTIPLE GOALS
Multiple plans.
Made for every goal.
£24.99/ month
Everything in Plus, across different ambitions.
- A separate plan for each investment account
- ISA, general account and pension goals
- Different risk profiles and time frames
- Monthly investing tailored to each plan
REGULATION & PROTECTION
Know where you stand.
FCA-regulated
Appointed-representative arrangement through Upvest: principal firm, FCA Register entry and permitted services awaiting verification.
FSCS cash protection
Up to £120,000 for eligible bank deposits, per person, per banking licence. Applicable banks and Invest101 eligibility awaiting verification. Investments and market losses are not covered by this deposit limit.
Eligible investment claims have a separate FSCS limit of £85,000 per person, per firm. Coverage depends on the final service and provider. FSCS does not cover ordinary market losses.
A FEW THINGS WORTH KNOWING
Good questions.
Clear answers.
Can I just use the free brokerage?
Yes. The planned Free account gives you self-directed brokerage access without a monthly subscription. You choose what to invest in. Personalised portfolios, explanations and monthly contribution rebalancing are part of Plus.
How is my plan built?
It helps build and explain a portfolio using your goals, time frame, financial circumstances and risk profile, within an approved investment framework. It isn’t a promise to predict markets or deliver a particular return.
How does monthly rebalancing work?
Each month, the planned service checks your holdings against your agreed target allocation and directs available new contributions towards underweight holdings. It does not sell existing holdings in this contribution-only approach. Small or missed deposits may leave the portfolio off target. Target changes and any sales require a separate agreed process.
Can I change my portfolio or monthly amount?
You’ll be able to adjust or pause contributions. Changes to a recommended portfolio need reassessment so you can understand their effect on risk and your goals. Self-directed choices are kept distinct from the recommendation.
Is Invest101 available yet?
Invest101 is in development. This website previews the planned service; accounts, payments and investment transactions are not live. The regulated service providers, terms, charges and eligibility will be confirmed before launch.
Is £12.99 right for every portfolio size?
No. A fixed fee represents a larger percentage of a small balance. £155.88 a year is approximately 3.12% of £5,000 or 0.78% of £20,000, before other costs. Consider whether the service offers value for your circumstances.
Are returns or my investments guaranteed?
No. Investments can fall as well as rise, and you could get back less than you invest. Any applicable custody and compensation arrangements will be explained before launch; they do not guarantee investment performance.
LESS SECOND-GUESSING. MORE UNDERSTANDING.