Choose an account
Choose one of our account types: Stocks&Shares ISA, Personal Account or Business Account.
Tell us about you
Complete our short online questionnaire about your attitude to investment risk
We suggest a suitable portfolio
We’ll suggest one of our three income portfolios: Cautious Income, yielding 2.5%; Higher Income, yielding 3.5%; or Enhanced Income yielding 5% (yields estimated and variable). The lower the portfolio yield, the lower the risk to the money you invest.
Review your requirements
We want you to have an income portfolio with a risk level you are comfortable with. As part of the application process you can opt for one of the other portfolios, giving you a different yield — but this will mean a different risk level.
Invest and enjoy
Once you’ve confirmed your portfolio selection and funded your account, we’ll start earning your income. We invest across a range of low‑cost ETFs, mostly in government and other bonds. At the start of every month, we pay the income your portfolio earned in the previous month directly to your bank account.