We’ve designed InvestEngine to provide low fee investing and we offer many solutions like ‘AutoInvest’ to keep your money invested. The vast majority of the money held on our platform on behalf of clients is invested.
Over the course of investing, or due to different investing strategies, you may have uninvested cash in your portfolio. We do not pass on any interest to customers. One of the ways in which we’re able to provide our service is by earning and retaining the interest on any uninvested cash on our platform via third party banks.
What does this mean for you?
As InvestEngine is designed for investing, your invested cash is in a great place with us. However, if you have any uninvested cash on InvestEngine, you may be missing out on interest or returns on that money.
In order to earn better interest, you could consider moving that money to an interest generating cash account on another platform or bank or use a feature like ‘AutoInvest’ to keep that money invested for the long-term.
Here’s a comparison of £1,000 saved in cash away from InvestEngine over 5 years vs how the money may perform if invested. Whilst cash savings over greater certainty, the opportunity is higher with investing but it is important to remember that past performance is not a guide to future returns.
The amount you could earn through cash savings rates outside of InvestEngine:
| Annual interest rate | Value after 5 years | Interest earned |
| 0% | £1,000 | £0 |
| 2.0% | £1,104 | £104 |
| 2.5% | £1,131 | £131 |
| 3.0% | £1,159 | £159 |
| 3.5% | £1,188 | £188 |
| 4.0% | £1,217 | £217 |
| 5.0% | £1,276 | £276 |
Here’s a comparison of how that same £1,000 could have performed if invested. But remember past performance does not guarantee future results, the value of your investments can go up or down.
Comparative investment returns over the same period for an ETF available on InvestEngine:
| 2021 | 2022 | 2023 | 2024 | 2025 | Value after 5 years | Investment return earned | ||
| All World ETF | Return | +18.3% | -18.1% | +22.0% | +17.2% | +22.6% | £1,698 | £698 |
| Value | £1,183 | £969 | £1182 | £1385 | £1698 |
Performance shown, Vanguard FTSE All-World ETF. Includes ongoing charges and the reinvestment of income. It excludes entry and exit fees. Calculated in USD. Source: https://investengine.com/etfs/vanguard/vwrp/
Past performance does not guarantee future results, the value of your investments can go up or down and currency fluctuations may lead to an increase or decrease in returns. When you invest, your capital is at risk. This communication is provided for general information only and should not be construed as advice.