Stocks & Shares ISAs for beginners

Invesco is one of the world’s biggest investment managers, trusted by investors in over 120 countries. They’ve been helping people grow their money for more than 80 years and now manage over £1.4 trillion.

We’ve partnered with them to bring their expert-built investment funds to the Zopa app – so you can invest with confidence in just a few taps.

Behind the scenes, Invesco has teams all over the world, specialising in shares, bonds and other types of investments. Their job is to research markets, spot opportunities and manage risk, so you don’t have to.

What Invesco funds does Zopa offer?

You can choose from 2 ready-made Invesco funds in the Zopa app: Balanced or Bold. Both offer a simple, low-cost way to invest for long-term growth by spreading your money across a mix of global shares and bonds.

Instead of investing in individual companies, each fund invests in around 10–20 Exchange Traded Funds (ETFs). An ETF is simply a basket of investments.

For example, one basket might hold the 500 biggest companies in the US, while another holds the 100 biggest companies in the UK. That means you own a tiny slice of lots of companies all over the world – all within a single fund. It’s an easy and affordable way to spread your investment risk.

All the ETFs used in these funds meet defined environmental, social and governance (ESG) criteria. Read more about sustainability.

How does Invesco manage my investments day to day?

Invesco keeps a close eye on the markets and regularly reviews each fund. When conditions change – for example, if some countries start to look more attractive than others – they can adjust how much of the fund is invested in each ETF.

This kind of ongoing oversight is something most people don’t have the time, tools or expertise to do themselves. It would mean choosing multiple ETFs, monitoring the markets and regularly rebalancing your investments. With Invesco’s funds, all of that work is done for you.

Whether you’re new to investing or looking to grow your long-term wealth, it’s easy to get started in the Zopa app. And with Invesco’s decades of experience on your side, you can feel confident your money’s in expert hands.

Just keep in mind that investments can go up and down in value, so you could get less money back than you put in. That’s why experts typically suggest investing for 5 years or more – over this timeframe, investing has historically outperformed saving.

Our investment account is ideal for beginners – you don’t need any experience to invest with us. Simply open an account, choose from two ready-made investment funds and you’re good to go.  

No jargon, no faff – just expert-backed investments at your fingertips. 

Yes, regular investing is a great way to build your wealth over time. You don’t need a lump sum to get started – you can invest from as little as £1.  

The Zopa app makes it easy to add to your investments whenever you like – just tap the ‘Invest’ button on your investment dashboard. 

Yes. You can withdraw your money whenever you like – although it can take up to 4 working days for the money to reach your account.  

That said, it’s recommended that you stay invested for at least 5 years. This is because investments go up and down, so staying invested for the long term gives your money more time to grow.  

Both of the ready-made funds we offer (Bold and Balanced) are made up of a combination of shares (equities) and bonds.  

• Bonds are like loans. You lend money to a government or company, and they pay you interest in return. Bonds are usually fairly stable and predictable.  

• Shares are small parts of a company. The value of your shares depends on how well the company is doing. Shares typically have more ups and downs than bonds, but offer higher growth potential.  

Funds are a good way to reduce the risk of investing because they spread your money across hundreds many different of companies, industries and countries, so not all your eggs are in one basket. With over 2,000 investments in each fund, you’renot relying on a single company to perform well.  

A Stocks & Shares ISA is a type of Individual Savings Account (ISA). You can invest up to £20,000 each tax year and any returns you make are tax-free.  

Just remember, tax rules can change and how they affect you will depend on your personal circumstances. 

A Zopa General Investment Account (GIA) lets you invest up to £250,000. You may be taxed on the returns you make, which is why it’s most suited to those who’ve used up their ISA allowance.  

Tax rules can change, and how they affect you will depend on your personal circumstances.