Investing through Nationwide

Investing for 6 years or more could help grow your money faster than savings, helping you beat inflation and build a nest egg for the future.

We’ve worked with Aegon, our trusted third-party investments provider, to bring you a simple range of 4 carefully selected funds. By investing with us, you can:

  • Invest with a lump sum, monthly payments or both, plus you can top up anytime.
  • Choose a Stocks and Shares ISA to maximise your ISA allowance; we also offer a General Investment Account.
  • Check how your fund is doing online, by logging in to your Aegon Customer Dashboard.
  • Get quarterly statements on your investment’s performance.
  • Withdraw your money and switch between funds, without penalty charges.

Bear in mind, Nationwide sells funds, products and the platform as a package. These may be available separately outside Nationwide through other providers.

Want to learn more about investing? Read our Nationwide investments guide.

Important:

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

To apply for an investment online

You need to:

  • Have £20 or more to invest.
  • 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.

How to choose your own investment

  • 1 Understand your attitude to risk

    Consider whether investing is right for you.

  • 2 Choose your fund

    Browse our simple range of managed funds. To find the best fit for you, check the fund’s assets, risk profile, charges and past performance.

  • 3 Apply online

    Choose an investment account and confirm you’re a member, then we’ll direct you to Aegon’s website to complete your investment application.


Step 1:

Understand your attitude to risk

Before choosing an investment fund, it’s important to consider the level of risk you’re comfortable with.

As a general rule, the more risk you take on, the higher the potential return. But there’s also a greater chance that you’ll lose some or all of the money you originally invested.

Use the slider to find out more about levels of risk and the type of asset mix (for example: shares, property, cash) that might work for you. Then browse our selection of investment funds to choose the one that’s best for you.

Explore your attitude to risk versus reward

Lower risk / lower reward
Higher risk / higher reward

Please note, moving the slider will affect content that follows.

How the money may be invested

Lowest risk - savings

When reviewing your options, you would only be prepared to look at deposit savings accounts as the return (interest rate) is known.

You would feel uncomfortable investing in assets where your money will rise and fall in value or where there is a potential for them to lose any of your money.

You are aware that while cash investments are low risk, if the rate of interest is less than the rate of inflation (The rate at which the level of prices is rising) the real value of your money will decrease over time.

Lower risk / lower reward

When investing money you are only prepared to take a low level of risk that your money and the return may fall in value.

You are prepared to invest in assets, such as fixed interest securities and up to 20% of your money being invested in shares.

You would be concerned if the value of your money invested was to suffer a short term (e.g. a period of 12 months) fall in value.

Lower risk / lower reward

When investing money you are prepared to take the risk that investing could lead to a possible reduction in the value of the return or a loss to the money invested.

You are comfortable with investing in a range of assets that have a range of risk and reward profiles and with up to 40% of their investment in shares.

You also understand that the value of the investment will go up and down over time and that the value of the money invested and the return may fall in value.

Medium risk / medium reward

When investing money you prefer to spread your investment over a range of assets but with a greater emphasis on shares.

You’re comfortable with having up to 60% of your investment in shares.

You also understand that the value of the investment will go up and down over time and are prepared to take a greater level of risk that it could lead to a possible reduction in the value of the money invested and the return received.

Medium risk / medium reward

You are prepared to take a greater level of risk to achieve a greater potential return.

You’re comfortable with having up to 80% of your investment in shares.

You also understand that the value of the investment will go up and down over time and are prepared to take a high level of risk that it could lead to a possible reduction in the value of the money invested and the return received.

Higher risk / higher reward

When investing, the primary aim is to achieve a high return on your investment, while taking a higher level of risk.

You focus on investment funds which offer greater potential for growth and appreciate that this comes with a higher level of risk. You understand that the value of the investment can change rapidly and by a large amount in the short term (e.g. a period of 12 months) and that there is a higher risk of losing the original money invested.

You also understand that the value of the investment will go up and down over time and are prepared to take a high level of risk that it could lead to a possible loss or reduction in the value of the money invested and the return received.


Step 2:

Choose your fund

Our range of 4 investment funds are all:

  • Provided by Aegon, our trusted third-party investments partner.
  • Multi-asset, meaning they invest in a range of assets, from cash and bonds (usually lower risk) to shares (usually higher risk).
  • Aiming to provide long term growth.

Lower risk, lower potential reward

LF Aegon Multi-Asset 2 Fund

Fund aims
  • Aims to provide long-term capital growth in excess of its benchmark†
  • Dynamically invests across a range of passively managed collective investment schemesPassively managed
  • Invests between 15% and 45% in shares of companies listed in the UK or overseas stock markets†
Typical asset mix†
  • 35% global shares
  • 58% bonds
  • 7% cash

†For more detail on the fund’s objective, benchmark and asset mix, please read the Key Investor Information Document and/or fund prospectus.

Minimum investment: £20

Fund class: A ClassA Class

Passively managed

A passively managed fund aims to match the performance of a market index (for example, the FTSE100) by investing in the same, or highly comparable, assets in the same proportions as the index.

A Class

There is only one share class in Aegon funds: A Class

Aegon fund charge* (p.a.)Fund charge

0.30%

Aegon annual charge (p.a.)Annual Charge

0.31%

Nationwide service charge (p.a.)Nationwide Service Charge (p.a.)

0.25%
Transaction costs 0.00%
Total charges (p.a.) 0.86%

Total charge example (per month)Charge Example

£7.17

Fund charge

This charge is taken into account when working out the unit price and is used to pay the fund managers, who buy and sell assets to try and provide positive returns.

In addition, some transactions may incur a further charge called a ‘dilution levy’. Please refer to your Key Investor Information Document(s) for more information.

Annual Charge

This charge is collected by Aegon, to cover their costs in administrating your investment. The platform is required as it handles all of your payments and transactions and allows you to switch between different funds should you wish to. This charge is calculated and collected monthly based on the value of your investments and taken from your Product Cash Facility (you’ll automatically be set up with a Product Cash Facility at registration which you can use to pay your fees).

Nationwide Service Charge (p.a.)

This charge is collected to enable you to receive the services our investment committee offer – see more information

The Service Charge is applied at a rate of 0.25% of the value of your investments made via nationwide.co.uk. The charge is calculated and charged monthly at the end of each calendar month as set out in the Nationwide Online Tariff of Charges.

Charge Example

If the value of your investment over a month was £10,000, this is the total charge for that month.

Please see the Online Tariff of Charges for more information.

*All charges are correct as at 1 May 2020.

Other charges may apply. Please see our Online Tariff of Charges for more information.

Fund performance table

Your options

  • General Investment Account (GIA) or stocks and shares ISA
  • Pay in a lump sum or make regular payments

Medium risk, medium potential reward

LF Aegon Multi-Asset 3 Fund

Fund aims
  • Aims to provide long-term capital growth in excess of its benchmark†
  • Dynamically invests across a range of passively managed collective investment schemesPassively managed
  • Invests between 35% and 65% in shares of companies listed in the UK or overseas stock markets†
Typical asset mix†
  • 50% global shares
  • 47% bonds
  • 3% cash

†For more detail on the fund’s objective, benchmark and asset mix, please read the Key Investor Information Document and/or fund prospectus.

Minimum investment: £20

Fund class: A ClassA Class

Passively managed

A passively managed fund aims to match the performance of a market index (for example, the FTSE100) by investing in the same, or highly comparable, assets in the same proportions as the index.

A Class

There is only one share class in Aegon funds: A Class

Aegon fund charge* (p.a.)Fund charge

0.30%

Aegon annual charge (p.a.)Annual Charge

0.31%

Nationwide service charge (p.a.)Nationwide Service Charge (p.a.)

0.25%
Transaction costs 0.00%
Total charges (p.a.) 0.86%

Total charge example (per month)Charge Example

£7.17

Fund charge

This charge is taken into account when working out the unit price and is used to pay the fund managers, who buy and sell assets to try and provide positive returns.

In addition, some transactions may incur a further charge called a ‘dilution levy’. Please refer to your Key Investor Information Document(s) for more information.

Annual Charge

This charge is collected by Aegon, to cover their costs in administrating your investment. The platform is required as it handles all of your payments and transactions and allows you to switch between different funds should you wish to. This charge is calculated and collected monthly based on the value of your investments and taken from your Product Cash Facility (you’ll automatically be set up with a Product Cash Facility at registration which you can use to pay your fees).

Nationwide Service Charge (p.a.)

This charge is collected to enable you to receive the services our investment committee offer – see more information

The Service Charge is applied at a rate of 0.25% of the value of your investments made via nationwide.co.uk. The charge is calculated and charged monthly at the end of each calendar month as set out in the Nationwide Online Tariff of Charges.

Charge Example

If the value of your investment over a month was £10,000, this is the total charge for that month.

Please see the Online Tariff of Charges for more information.

*All charges are correct as at 1 May 2020.

Other charges may apply. Please see our Online Tariff of Charges for more information.

Fund performance table

Your options

  • General Investment Account (GIA) or stocks and shares ISA
  • Pay in a lump sum or make regular payments

LF Aegon Multi-Asset 4 Fund

Fund aims
  • Aims to provide long-term capital growth in excess of its benchmark†
  • Dynamically invests across a range of passively managed collective investment schemesPassively managed
  • Invests between 55% and 85% in shares of companies listed in the UK or overseas stock markets†
Typical asset mix†
  • 75% global shares
  • 25% bonds

†For more detail on the fund’s objective, benchmark and asset mix, please read the Key Investor Information Document and/or fund prospectus.

Minimum investment: £20

Fund class: A ClassA Class

Passively managed

A passively managed fund aims to match the performance of a market index (for example, the FTSE100) by investing in the same, or highly comparable, assets in the same proportions as the index.

A Class

There is only one share class in Aegon funds: A Class

Aegon fund charge* (p.a.)Fund charge

0.30%

Aegon annual charge (p.a.)Annual Charge

0.31%

Nationwide service charge (p.a.)Nationwide Service Charge (p.a.)

0.25%
Transaction costs 0.01%
Total charges (p.a.) 0.87%

Total charge example (per month)Charge Example

£7.25

Fund charge

This charge is taken into account when working out the unit price and is used to pay the fund managers, who buy and sell assets to try and provide positive returns.

In addition, some transactions may incur a further charge called a ‘dilution levy’. Please refer to your Key Investor Information Document(s) for more information.

Annual Charge

This charge is collected by Aegon, to cover their costs in administrating your investment. The platform is required as it handles all of your payments and transactions and allows you to switch between different funds should you wish to. This charge is calculated and collected monthly based on the value of your investments and taken from your Product Cash Facility (you’ll automatically be set up with a Product Cash Facility at registration which you can use to pay your fees).

Nationwide Service Charge (p.a.)

This charge is collected to enable you to receive the services our investment committee offer – see more information

The Service Charge is applied at a rate of 0.25% of the value of your investments made via nationwide.co.uk. The charge is calculated and charged monthly at the end of each calendar month as set out in the Nationwide Online Tariff of Charges.

Charge Example

If the value of your investment over a month was £10,000, this is the total charge for that month.

Please see the Online Tariff of Charges for more information.

*All charges are correct as at 1 May 2020.

Other charges may apply. Please see our Online Tariff of Charges for more information.

Fund performance table

Your options

  • General Investment Account (GIA) or stocks and shares ISA
  • Pay in a lump sum or make regular payments

Higher risk, higher potential reward

LF Aegon Multi-Asset 5 Fund

Fund aims
  • Aims to provide long-term capital growth in excess of its benchmark†
  • Dynamically invests across a range of passively managed collective investment schemesPassively managed
  • Invests between 75% and 100% in shares of companies listed in the UK or overseas stock markets†
Typical asset mix†
  • 95% global shares
  • 5% bonds

†For more detail on the fund’s objective, benchmark and asset mix, please read the Key Investor Information Document and/or fund prospectus.

Minimum investment: £20

Fund class: A ClassA Class

Passively managed

A passively managed fund aims to match the performance of a market index (for example, the FTSE100) by investing in the same, or highly comparable, assets in the same proportions as the index.

A Class

There is only one share class in Aegon funds: A Class

Aegon fund charge* (p.a.)Fund charge

0.30%

Aegon annual charge (p.a.)Annual Charge

0.31%

Nationwide service charge (p.a.)Nationwide Service Charge (p.a.)

0.25%
Transaction costs 0.01%
Total charges (p.a.) 0.87%

Total charge example (per month)Charge Example

£7.25

Fund charge

This charge is taken into account when working out the unit price and is used to pay the fund managers, who buy and sell assets to try and provide positive returns.

In addition, some transactions may incur a further charge called a ‘dilution levy’. Please refer to your Key Investor Information Document(s) for more information.

Annual Charge

This charge is collected by Aegon, to cover their costs in administrating your investment. The platform is required as it handles all of your payments and transactions and allows you to switch between different funds should you wish to. This charge is calculated and collected monthly based on the value of your investments and taken from your Product Cash Facility (you’ll automatically be set up with a Product Cash Facility at registration which you can use to pay your fees).

Nationwide Service Charge (p.a.)

This charge is collected to enable you to receive the services our investment committee offer – see more information

The Service Charge is applied at a rate of 0.25% of the value of your investments made via nationwide.co.uk. The charge is calculated and charged monthly at the end of each calendar month as set out in the Nationwide Online Tariff of Charges.

Charge Example

If the value of your investment over a month was £10,000, this is the total charge for that month.

Please see the Online Tariff of Charges for more information.

*All charges are correct as at 1 May 2020.

Other charges may apply. Please see our Online Tariff of Charges for more information.

Fund performance table

Your options

  • General Investment Account (GIA) or stocks and shares ISA
  • Pay in a lump sum or make regular payments

Not sure about investing?

If you’re not sure which investments are right for you, our expert Financial Advisers can help. Based on your circumstances and goals, they can recommend a fund and investment account to suit your needs. This service has an additional cost, which we’ll outline beforehand.

Find out how to get advice

The value of your investment can go down as well as up so you may get back less than you originally invested