Income

Regular income from a balanced portfolio

Earn income of 2.5%, 3.5% or 5% a year

We pay monthly to your bank account

Low fees of just 0.25% a year

Easy access with no exit fees

ISA, Personal or Business Account

With investment, your capital is at risk

With interest rates on savings accounts so low, InvestEngine has a better way to boost your income:

Higher income than cash

Estimated variable income of 2.5%, 3.5% or 5% depending on the risk level of your selected InvestEngine portfolio.

Convenient

Monthly income paid direct to your bank account

Well‑balanced

InvestEngine income portfolios are designed to give higher income than cash savings with the potential for some capital growth — while aiming to limit capital risk.

For individuals and businesses

Available through a tax‑free InvestEngine ISA or Personal Account — or our Business Account for companies.

No tie‑ins

Easy access with zero exit charges.

Flexible

Start your investment from £2,000. Monthly saving option also available.

Income yields are not guaranteed and will fluctuate.

annual fee

0.25%

ETF costs and market spread apply

Low fees and costs

We charge just 0.25% a year of your portfolio’s value. We have:

NO set‑up fees
NO dealing fees
NO withdrawal fees
NO fee for sending your monthly income

The exchange traded funds (ETFs) in your portfolio have their own costs, which we aim to keep as low as possible. Read more.

All fees and costs are taken from your portfolio capital rather than the income we pay out — there are no deductions from the quoted income yields.

Easy steps to your monthly investment income

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.

Still got questions? See our FAQs.See our FAQs.

Select an account and see the portfolio we’d build for you

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With investment, your capital is at risk

The value of your portfolio with InvestEngine can go down as well as up and you may get back less than you invest.

Income yields are not guaranteed and will fluctuate. Past performance is not a reliable indicator of future income or capital returns. Learn more about the risks

InvestEngine is authorised and regulated by the Financial Conduct Authority (FCA) and covered by the Financial Services Compensation Scheme (FSCS)

Your cash and investments are held separately from InvestEngine in pooled client accounts at NatWest and the Crest securities depository, providing further protection. Learn more

InvestEngine does not provide investment advice, or give recommendations. If you are unsure of the risk or suitability of an investment, you should seek advice from an independent financial adviser.

InvestEngine® is a trading name and registered trade mark of InvestEngine Limited. InvestEngine (UK) Limited is Authorised and Regulated by the Financial Conduct Authority. The Firm Reference Number is 801128. InvestEngine (UK) Limited is incorporated in the UK with company number 10438231 and has its registered office at Lawford House, Albert Place, London, United Kingdom.

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