Regular investing

Regular investing allows you to apply a regular discipline to your investment strategy and avoids you having to anticipate market movements. The price at which you buy investments can vary significantly, especially at times when stock markets are volatile. Regular investing gives you the opportunity to smooth out the impact of short term movements in the price of an investment or range of investments.

This is often referred to as ‘pound cost averaging’ and can work well with a wide range of investments where you can benefit from the process as it averages out the cost of buying investments.

tick Use our Regular Investment Service and never pay more than £1.50 per online deal when you buy an investment. Invest monthly in a huge range of funds, FTSE 350 shares, ETFs, ETCs and investment trusts.
tick Save from just £25 a month.
tick Regular investment is available in our SIPP, ISA or Dealing Account – the choice is yours.

What are the benefits of regular investing?

  • You have the peace of mind of knowing that the investments will be automatically bought at the same time every month.
  • You could benefit from ‘pound cost averaging’.
  • It can be a very cost effective way to invest. You will never pay more than £1.50 per online deal when you buy an investment. 
  • You can build your portfolio with regular investments from just £25 a month.

What can I regularly invest in?

Our regular investment service allows you to invest in a wide range of options. You can choose from:

How does pound cost averaging work?

One of the main benefits of regular investing is the ability to average out the ‘buy’ price of investments through ‘pound cost averaging’.

By regularly investing each month, you buy more shares or units when the price goes down and fewer shares or units when the price goes up. This avoids you having to worry about anticipating the timing of your investments. Over time, the cost of buying your investments is averaged out.

If you are in any doubt about the benefits of regular investing, we recommend that you take advice from a suitably qualified financial adviser.

Here’s an example of how ‘pound cost averaging’ could work.

Month Regular investment amount Share price Number of shares bought
(excluding any dealing charges)
1 £100 £2.00 50
2 £100 £2.50 40
3 £100 £5.00 20

Average purchase price in the 3 month period (£300 divided by 110 shares) = £2.73.

How do I set up a regular investment?

Once you’ve opened an account you can set up a regular investment. There are only a few steps involved.

For full details, please refer to our regular investment user guide.

Is there anything else I should consider?

  • You should read the SIPP terms and conditions and the key features before making any decision.
  • If you are in any doubt about the benefits of regular investing, we recommend that you take advice from a suitably qualified financial adviser.
  • Regular investments can only be made monthly.
  • Regular investments can be made online or by telephone.
  • The date for all regular investments is fixed and we deal on the 10th calendar day (or the next working day) of each month. You are able to amend your regular investment instructions up to midnight on the 9th calendar day of each month (or midnight on the day before regular investment dealing day).
  • You must make sure that you have enough cash in your account to pay for all of your regular investments. If, on a “regular investment day” there isn’t enough cash in your account, we will not be able to process the deals. We will then try to place the regular investment order on the 10th calendar day (or the next working day) of the next month. If we are unable to place the regular investment order then we will inform you by secure message.
  • The minimum you can regularly invest is just £25 a month per individual investment instruction.
  • The value of investments can go down as well as up and you may not get back your original investment.
Important information
The value of investments can go down as well as up and you may not get back your original investment. Tax rules can change in the future and the tax treatment depends on your personal circumstances.
Apply now
Applying for a SIPP has just a few simple steps and only takes a few minutes.

Apply now

Free guide to SIPPs
Our FREE guide gives you
an introduction to SIPPs,
and how they can help you achieve your pensions goals...

Download now

Customer feedback
Easy to use website and helpful customer service
Always prompt, clear and effective.
Excellent and continues to get better.
Very good customer service and platforms (web and mobile). Pricing structure is very good.
Easy to navigate and quick responses if there is an issue.
100% accurate and always quick to respond to queries.
Very good service overall.
Very easy to use website, with very useful information. When I had to contact customer services they have been very helpful
Have had no problems quick reply's to e-mail web site easy to use very happy
All straightforward, pension transfers handles very efficiently. Website is easy to use.
Great costs, consistent and reliable service, flexible products, and seem to know very well what it is I want from them.
Extremely competitive rates with a wide range of products enabling me to get sufficiently diversified portfolio without the costs reducing my returns significantly.
Good platform, easy to use, low dealing costs, no hidden costs, good customer service.
Excellent site, clearly laid out, gives me all I need to research, buy/sell stocks and monitor them, plus they don't pester.
An easy website for getting valuations and making transactions. Very efficient administration when making transfer payments in.
Used you for a number of years now. Website works efficiently; staff are always courteous, helpful and well-informed. No complaints.
Very easy to use platform and when needed the staff are knowledgeable and courteous
Very reliable, informative and forward thinking
Very happy with your service, the speed in which we can finance our two accounts and the ease in dealing! Thank You
Very happy to be in charge of my own funds and at a low cost.
Excellent trading platform and value for money cost structure.
Using the service is a pleasure and I have not had any problems
Very easy to use, and simple to buy and sell, and monitor.
Fast and efficient, with innovative incentives.
Service very good, web interface excellent, charges very reasonable
Simple to use, professional and efficient facility
Simple, easy to operate, low to nonexistent fees and helpful staff. What's not to like?
Good website, good communication, innovative products, reasonable charges. Just what I need in an online provider.
I would recommend the company to anyone, fair charges, excellent service.
Very easy to do business with and responsive if I have any questions.