Investing, it's personal
Investing, it's personal
Enjoy the simplicity of a digital-first investing experience that never forgets that real people sometimes want help from real people.
Nestoras Kyriakou
&me Consultant in London
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Investing expertise 
A common concern when considering investing is how do you get started in a world that can seem complex and unfamiliar.
That’s why, no matter where you are in your investing journey, you get free access to our &me consultants.
From help setting up your investment to feeling good that your money can support socially responsible companies, your &me consultant gives you the confidence to feel invested.
And best of all, this service is included in your overall fee, so there are no hidden costs.
Keep scrolling to find out how it works.
It all starts with goals
The &me app is where your investment journey begins.
As you answer some simple questions about what you aim to achieve with your investment, &me considers your responses and creates a personalised portfolio recommendation for you.
If you’d like some help deciding what to do, or just want to feel reassured that you’re making a sound decision, that’s when your personal &me consultant kicks in.
Call or chat right from the app or book a video meeting. Whichever option you choose, it’s all part of your &me service.
As life changes,
so does your investment
Life never stays still, and neither should your investment.
Simply let us know about any changes to your circumstances or goals and we’ll recommend a more suitable portfolio for you.
And because your portfolios are benefitting from M&G Wealth’s investment expertise, you have the reassurance that world events and market changes are constantly monitored to help keep your investments on track.
Reach out when you need guidance
Your &me app is your ‘always on’ way to review your investments and track your progress for yourself.
When you want more, you can contact your &me consultant for a little extra help. While they’re not available around the clock (after all, they need their sleep, too), they’ll get back to you quickly with a response or a plan about how to help.
With &me, you’re never alone when investing.
Choose how to invest
When you’re ready, you can pick the right type of account for you.
Stocks and Shares ISA
Over 3.5 million people in the UK now use stocks and shares ISA to grow their savings¹.
They’re a tax-efficient way to invest up to £20K each tax year.
Junior ISA (JISA)
Invest in your child’s future each month, and they’ll be tickled pink when they reach 18.
Put away up to £9K each tax year without worrying about tax.
Personal Pension (SIPP)
The Self-Invested Personal Pension lets you control how to invest for your retirement.
You’ll also enjoy HMRC adding up to £25 for every £100 you pay in yourself².
General Investment Account (GIA)
When you’ve used up your ISA allowance or don’t want to transfer your existing ISA.
Any gains/losses can be set against your annual Capital Gains Tax allowance³.
¹ UK HMRC Data, June 2022
² Restrictions may apply
³ Any gains/losses should be combined with other taxable gains/losses outside of the GIA
The tax treatment depends on your individual circumstances and may be subject to change in the future.
Get more out of
your investments
Check out the &me blog to tap into our team’s lifetime of expertise and enhance your investing knowledge.
As your money grows, your fee % shrinks
Start investing with a minimum of £500.
Below are our competitive annual fees for managing your money.
Invested amount
Management fee
Up to £10,000
0.75%
£10,000 to £20,000
0.70%
£20,000 to £50,000
0.65%
£50,000 to £100,000
0.60%
£100,000 to £250,000
0.45%
£250,000 to £500,000
0.40%
£500,000+
0.35%
The &me Classic portfolios are a lower-cost way to invest with &me. Our passive portfolios invest in equities and bonds across different regions such as US equities and UK corporate bonds and also hold some cash. Investment experts from M&G Wealth decide which investments to use and how much to invest in each asset class on your behalf, based on a range of factors including the potential to generate long-term returns for investors.
Below are the rest of the fees for our Classic portfolios. We invest your money in many different funds. These funds charge fees. We try to keep these fees as low as we can on your behalf. The cost of buying an asset is usually more than the price you can sell it for. The difference in these two prices is called the market spread. We include this information here to give you a clear idea of the total fees you pay when you invest. There is no market spread fee on the Targeted portfolio range.
For example, if you invest £20,000 you’ll pay:
| Annual | Monthly | |
|---|---|---|
| &me Management Fees | 0.65% | £10.83 |
| Investment Fund Fees | 0.19% | £3.17 |
| Market Spread | Up to 0.04% | £0.67 |
| Total | Up to 0.88% | £14.67 |
The &me Targeted portfolios invest in a blend of active and passive funds. Our actively-managed portfolios invest in equities, bonds and ‘alternatives’ (like investments in infrastructure) and also hold some cash. Being actively managed means the investment experts from M&G Wealth continually review a range of factors like the analysis, performance and global trends so they can make ongoing decisions about where to invest, and find new opportunities with the potential to deliver long-term growth for investors. They’re designed for people who want to know their investments are creating a positive impact to society and the planet while they work to generate competitive returns.
Below are the rest of the fees for our Targeted portfolios.
We invest your money in many different funds. These funds charge fees. We try to keep these fees as low as we can on your behalf.
For example, if you invest £20,000 you’ll pay:
| Annual | Monthly | |
|---|---|---|
| &me Management Fees | 0.65% | £10.83 |
| Investment Fund Fees | 0.42% | £7.00 |
| Total | 1.07% | £17.83 |
Start investing with 
With no commitment to invest, see how &me could grow your money and help you feel invested.
With investment, your capital is at risk and you may get less than what you invested.
Tax treatment depends on your individual circumstances and may change in the future.
