Investing with Beanstalk

Our Junior ISA and Adult ISA are stocks & shares accounts which means that any contributions you make are invested to help you achieve more with your money over the longer term.

Join the thousands saving with Beanstalk today

investing with Beanstalk

Investing vs Saving

When you put money in a savings account, what you get back depends on the interest rate on the account. You know for certain what you will earn and there is no risk of losing your money. When you invest, your returns are dependent on how well your investments do and they could go up and down in value.

Why invest then?

Because evidence* suggests that over the longer term, stocks & shares tend to outperform cash, sometimes by significant amounts. Investing is not for everyone: you need to be comfortable that the value could fall as historic performance is no guarantee of what will happen in the future and you should be saving for the longer term (i.e. over 5 years) as with a Junior ISA.

This chart illustrates the point by showing the value of £1000 invested in the Fidelity Global fund we offer versus an average savings account over the last 10 years. You can see that at times the value of the Fidelity fund fell, but over the longer term it significantly outperformed cash.

Investing vs saving graph

Tracker funds - the simple choice

A tracker fund is an investment fund that aims to closely match the performance of a particular index (e.g. the FTSE 100) by investing in companies within that index. By investing in a tracker fund, you gain exposure to all the companies within the index rather than just buying one company’s share or another.

We offer two funds: a shares fund (Fidelity Global Index fund) which aims to track the performance of global stock markets and therefore large companies such as Amazon, Facebook, Google and Johnson & Johnson and a cash fund (Legal & General Cash Trust fund) which aims to provide returns in line with money market rates.

tracker funds

Allocating between funds

With our unique slider tool, you can choose to allocate your contributions between the two funds we offer in whatever proportion you choose. Money that is received is automatically invested according to that share. You can change your allocation at any point and this will result in a trade to sell down one fund and buy the other depending on your choice. Please note that we don’t allow an allocation of over 80% to the cash fund. The returns from a portfolio which is 100% invested in the L&G cash trust may be lower than putting money into a cash ISA or JISA with a bank or building society as you may be better off contributing to a cash ISA/JISA if you want a 100% cash allocation.

allocate your contributions
* Barclays UK equity gilt study 2019 showed that UK shares returned more than 4x cash over 50 years
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Beanstalk is a trading name of KidStart Limited. KidStart Limited is authorised and regulated by the Financial Conduct Authority. Our FCA number is 473606. See for more information.