How to invest
Step one
Choose your product
We offer four investment solutions – Investment ISA, Junior ISA, General Investment Account, and Bare Trust (which needs to be opened through a paper application form).
Step two
Choose how much to invest and your investment style
Invest a lump sum from £500 with the option to make monthly contributions. A total annual allowance may apply depending on which product you choose. Choose investment style from Passive, a managed set of funds that aims to track the market, or Active, funds expected to outperform the market.
Step three
Choose your risk level
We offer funds at risk levels 3-8 to match your risk appetite.
Step four
You’re ready to start investing
Add your details to finalise. Accounts can be open in less than 10 minutes. We will then provide you with online access to help you view and manage your accounts. Once you’re set up, you can manage your investments 24/7 through the BPS app.
Choose your investment style
Active investing style
- Designed to outperform the market over the long term
- Provides access to our Voyager fund range, which lets you access a diverse range of investments in one place
- Funds are closely monitored and adjusted as appropriate each money by our in-house experts
- Extra management means Active costs more than Passive
Passive investing style
- Designed to track the market, not outperform it
- Invest into a portfolio of funds that track global markets
- Monthly rebalancing ensures your portfolio stays in line with your risk profile
- As Passive is simpler to manage, it costs less than Active
Choose your risk level and explore our funds
At RBC Brewin Dolphin, we categorise risk into ten risk levels. With the Brewin Portfolio Service, you can choose from six of those, depending on which investment style you choose.
Our helpful risk guide shows the asset mix and simulated performance for each investment solution. It also contains tables showing how the investments may have responded during the last 5 to 10 years – highlighting what the largest annual loss might have been.
A human touch
We know how important the human touch is, so you’ll always speak directly to a member of the team. Our UK-based experts are on hand when you need them to answer any questions you may have.
Call us on 0333 207 9003
Monday to Friday 8am to 6pm
Saturday 8am to 12pm
Email us at customer.services@brewin.co.uk
Write to us at:
Brewin Portfolio Service
Sixth Floor, Atria One
144 Morrison Street
Edinburgh, EH3 8BR
BPS accounts
Junior ISA
Give your child a financial head start. Invest up to £9,000 per child each tax year with income and growth free from tax.
Explore Junior ISAInvestment ISA
Make your money go further. Invest up to £20,000 per year in the stock market, with tax-free returns and withdrawals anytime.
Explore Investment ISAGeneral Investment Account
Used up your ISA allowance? With this account, there are no limits to how much money you can invest. Withdrawals can be made at any time, with profits taxed.
Explore GIABare Trusts
Bare Trusts are a simple form of trust used to invest money for a child’s benefit. A Bare Trust lets you withdraw money under limited circumstances before they are 18, for things like education (but returns may be taxed).
Explore Bare TrustsThis does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.