Investing made simple

We work with Aegon to bring you a range of online investment funds. Your money's important to us and that's why we want to make sure that it's looked after.

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Before you proceed with your application, you should read and save the documents in the sections below. Once you’ve confirmed this, you’ll be passed to Aegon for completion of your application. Don't worry - you won't need to select your fund again, it'll be pre-selected when you get there.

If at any point you need further information please visit our getting started section.

Before deciding to invest we suggest that you consider the questions below:

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It makes sense to have paid off your debts and start saving sensibly before you consider investing. If you have debts (other than a mortgage), consider paying them off before you start investing.

The return on Investments can’t reliably be more than the interest you pay on debts, so by investing you could end up in worse shape than before. See our guide to Managing debt

It’s best if you hold off investing until you’ve enough money to cover emergencies.

Without enough cash savings, emergency expenses, such as replacing a broken washing machine or repairing your car, could lead to overdraft fees and interest on loans or credit cards. These costs could be more than you’d make from your investments.

An Individual Savings Account (ISA) is a tax efficient way to save or invest. You have to be a UK resident and aged 16 or over to have a cash ISA or 18 or over to invest in a stocks and shares ISA or a combination of both.

A stocks and shares ISA gives you a tax efficient way to invest, offering greater potential for growth but there is also a risk that your investment could fall in value.


  • Your £20,000 allowance is for the whole tax year – 6 April 2019 until 5 April 2020.
  • £20,000 is your total ISA allowance. It’s up to you to choose how you split your allowance between a cash ISA and stocks and shares ISA.

All investments involve some risk. Before investing, you should understand and be comfortable with the risks of each investment you plan to make.

As a rule of thumb, 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 originally invested. When thinking about how much risk you’re willing to take, keep some things in mind:


  • your current financial situation
  • how much you know about investing and how comfortable you are with it
  • whether your financial goals call for taking on more risk

Every investment market has its ups and downs. The longer you can keep your money invested, the lower the risk that you’ll potentially make a loss. You should consider only investing money that you can afford to set aside for the next 6 to 10 years.

With any investment, there’s a risk that you can lose some or all of the original amount you invested in addition to any growth or income that you may receive from your investment. It’s important to think about what this could mean to you. All losses – small or large – will impact your financial wellbeing.

To give you access to the funds, monitor market conditions and negotiate reduced charges and fees on your behalf, we need to charge you.

The cost break down and explanation of charges is shown in Nationwide's Online Tariff of Charges. You should read this document before starting your application. Read and save Tariff of Charges (for online customers not receiving advice from a Nationwide Financial Adviser).

When you complete your investment application (even if you have selected a stocks and shares ISA), Aegon will create a General Investment Account (GIA) for you. The cash facility in this account will be used to pay your charges. Full details on this can be found in the Aegon Terms & Conditions and your options on how to fund the cash facility are given once you proceed into the application.

To apply for investment products through Nationwide:

  • You must be aged 18 or over.
  • You must be resident in the United Kingdom.
  • You must be a Nationwide member (you're a member when you have a current account, savings or mortgage account with us)
  • The investment must not be used for business purposes.
  • You must be a solely UK resident for tax purposes and not a US citizen.

As you are investing without a personal recommendation from Nationwide, you do not have access to the Financial Ombudsman Service with regards to the suitability of the investment that you choose.

There are some terms and conditions that you need to sign up to before you start investing. It's important that you read these so that you understand how the investing process works.
Read and save information about our online investment services and costs
Read and save the Nationwide Customer Agreement (for customers not receiving advice)

Important information

This service is designed to provide you with information about investing and the funds available through the online service to help you make an informed decision. You have to decide if the service is right for you. If you are unsure you should seek financial advice.

Before you proceed with your application please check that all documents can be printed and/or saved, and that you can clearly read all information on the device you are using - all pages are mobile compatible but it might be easier to read them on a larger screen.

You’re applying for…

LF Aegon Multi-Asset 2 Fund