When to get investment advice

Perhaps you’ve received an inheritance, or are making plans for your retirement. Or maybe you don't have anything specific in mind but feel like you could be doing more with your money. Our financial advisers can help.


Why get investment advice

Investing can be complicated. It can be hard to know where to begin if you don't have much experience.

But you don't have to be an expert to start investing. That's our job.

One of our expert financial advisers will take the time to get to know you and your financial situation. They’ll help you understand if investing is right for you, and talk you through the returns and risks of the investments we offer.

  • An investment plan just for you
    We’ll work out which fund is right for you, to help set you up for long-term returns while spreading the risk.
  • Clear advice with no obligation
    There’s a one-off charge for our advice, but only if you invest with us.


    And if, after getting to know you, we feel you would be better off not investing (for example, if you have a certain amount of debt) we'll tell you.

  • You don't need to have a goal in mind
    It's OK if you don't have anything in mind to invest towards right now. We can still help you put a plan together to make the most of your money.
  • We'll be here if you need us
    We also offer an ongoing advice service after you’ve invested, for a monthly charge.


    You’ll get access to a financial adviser so you can ask them any questions. Every year, we’ll send you a report telling you how your investments are doing, and we’ll check in with you to make sure your investments are still right for you.

To apply for investment advice

You need to:

  • Be able to invest either a lump sum of at least £20,000 or at least £400 a month.
  • Be aged 18 or over.
  • Be a UK resident.
  • Be a Nationwide member.

You’re a member if you have a Nationwide mortgage, savings or current account.

Find out more about Nationwide membership

Important:

The value of your investments can go down as well as up and you may get back less than you originally invested.

Investing is a long-term strategy. You should be comfortable investing for at least 6 years to ride out fluctuations in the market, but you can take your money out at any time without paying a withdrawal fee.


Investing through Nationwide

We’ve worked with Aegon, our trusted investments provider, to bring you a range of carefully selected funds.

By investing with us, you can:

  • Invest with a lump sum, monthly payments or both.

  • Maximise your ISA allowance with a Stocks and Shares ISA, or we offer a General Investment Account.

  • Get quarterly statements on your investment's performance

  • Keep an eye on your investments and make any changes by logging in to Aegon’s dashboard

  • Withdraw your money and switch between investments without penalty charges.

Bear in mind, we offer the investments and access to Aegon's dashboard as a package. They may be available separately through other providers.

Who are Aegon

Aegon are our investments provider, and one of the largest asset management companies in the UK. We’ve worked with them to create the range of funds we offer to our members, expertly balancing expected returns and risk.


What happens when you ask for advice

  1. Request a chat

    You can make an appointment with one of our financial advisers online or by phone. If you request one online, we'll be in touch soon after to arrange a time. If you call, we'll arrange a time there and then.

  2. Getting to know you

    A few days before your chat with the adviser, they’ll email you some questions about you and your finances. This will help them prepare and save time for your conversation.

  3. The first meeting

    Your first meeting with the adviser will be to explain the process and discuss your answers to the questions they sent. And you can ask them any questions of your own.

  4. A personalised recommendation

    After your first meeting, the adviser will create your personal recommendation report. It will recommend which of the funds we offer will be best for you, and explain the expected returns and risks.

    They'll send you a copy of the report and arrange another meeting to talk about it with you.

  5. Discussing the recommendations and next steps

    The adviser will talk you through the recommendations and answer any questions you have about them. If you then decide to invest, they'll talk you through the process and charges.


Charges for advice

There is only a charge for our advice if you choose to invest. The charge depends on:

  • How much you invest
  • How you invest, either as a lump sum or by regular contributions
  • If you want ongoing advice to be available

The adviser will talk you through these charges during your conversation.

For full details of the related charges, please read the Tariff of Charges.

Customer Agreement

For details of Nationwide’s terms and conditions, please read and download the Customer Agreement.


Request investment advice

Call or complete the online form to book a video or phone appointment with one of our financial advisers.

Online

Use the online booking form to request investment advice.

Over the phone

Our UK-based team can help you request investment advice.

Call us Monday to Friday, 9am to 5.30pm.

Closed Saturday, Sunday and bank holidays.