Regular investment plan

Investing smaller amounts regularly can be an easier way to grow your money without needing a lump sum. Plus, you don't pay any trading fees when you invest within a regular investment plan so more of your money can go into your investment.

 

Why invest regularly?

  • Regular contributions can help you ride out the ups and downs of the market, this is due to pound cost averaging.
  • A regular investment plan carries no trading fees. So, more of your money can keep working for you.
  • When starting out, regular investing makes it easier to stay consistent and stick to your financial goals in the long run.
  • Benefit from the power of compounding. Saving over the longer term means you can get returns from the money you've made in previous years (provided you re-invest them), accelerating your growth.

How does it work?

Number one.

Start your subscription

In your chosen account, select 'Dealing’, then 'Regular investments' and 'Create subscription plan'.

Number 2.

Set up your free investment plan

Select 'Create investment plan' and decide how much, how often and when you want to invest your money.

Number three.

Pick your investments

Select 'Add investments' and make your choices, using either the investment name or company code.

Finally add the amount you want to invest in each.

Please remember that the value of investments and the income from them can fall as well as rise, and you may get back less than you invest. If you’re not sure about investing, seek financial advice. There will normally be a charge for this. Tax treatment depends on individual circumstances and current UK tax rules.

 

Steady Growth

Investing in regular instalments can provide some protection if the market suddenly drops. A monthly investment will buy fewer shares or fund units when markets rise and more shares or units when markets fall. In falling markets, that means you can buy more shares at a cheaper price.

 

Build good habits

Regular investing is an affordable way to pursue your financial goals and benefit from 'compounding'. Here, you earn returns from both your original investment and again on returns you previously received, provided you re-invest them. A great habit to learn.

 

Keep things simple

With modern investing, there's no need to keep track of the markets. By making regular investments, you'll be better placed to ride out any lows and take advantage of the highs. Regular investing is key to long-term growth, and with our regular investment plan, carries zero trading charges. So, more of your money can work for you.

Investing made easy - ETF Quicklist

Investing regularly in Exchange Traded Funds (ETFs) is the easy way to build low cost, no effort, diversified investments. Choose by investment type, country, region - even a new focus such as green energy or technology.

 

ETF Quicklist

Investing made easy - ETF Quicklist

Investing regularly in Exchange Traded Funds (ETFs) is the easy way to build low cost, no effort, diversified investments. Choose by investment type, country, region - even a new focus such as green energy or technology.

 

ETF Quicklist

Ready to invest?

Already have an account?

Set up your regular investment plan and start making the most of investing without trading fees.

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Set up an account

Consider your investment options and start investing regularly today.

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Frequently asked questions



  • With a regular investment plan, there are a range of investment options to explore:

    • UK shares (not international shares) - A part of a company bought and sold on a stock exchange.

    • ETFs (Exchange Traded Funds) - Popular investments that track the performance of a commodity (physical goods) or an index (market sector).

    • Funds - Collective investments where money is pooled and invested on your behalf.

    • Investment trusts - A group investment for buying shares in a company. They invest in assets on your behalf.

    Take a look at our investments.

  • You’re able to sell your investments at any time during market hours. We charge £11 online dealing commission per trade and £1.50 to buy or sell funds. This covers shares, funds, ETFs (Exchange Traded Funds), investment trusts, bonds, and gilts.

  • You can stop at any time. But you need to suspend both your subscription (the money) and the named/specific investment.

Want to know more about investing?

Whether you're starting out or experienced in investing, it makes good financial sense to boost your understanding as you go. This is the place to start.

Understand Investing

Want to know more about investing?

Whether you're starting out or experienced in investing, it makes good financial sense to boost your understanding as you go. This is the place to start.

Understand Investing

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Financial Services Compensation Scheme

Eligible deposits held with us are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS), the UK’s deposit guarantee scheme.  

Visit our FSCS page

Important legal information

The Lloyds Bank Direct Investments Service is operated by Halifax Share Dealing Limited. Registered Office: Trinity Road, Halifax, West Yorkshire, HX1 2RG. Registered in England and Wales no. 3195646. Halifax Share Dealing Limited is authorised and regulated by the Financial Conduct Authority under registration number 183332. A Member of the London Stock Exchange and an HM Revenue & Customs Approved ISA Manager.

Important share dealing information