Save money on your investments

Always know what you're paying

Save money on your investments

Many people don't realise that they pay commission both on their initial investment, and on an ongoing basis for the lifetime of the investment.

rplan takes no initial commission and rebates at least 50% of the ongoing commission, saving you up to £6,300 over 10 years on an investment ISA. What's more, the charge is capped, so you'll never pay more than £15/month no matter how much you have invested.

See all available investments

This table compares the charges you'd pay for a typical ISA portfolio from different providers; see how we work this out or see the story behind the calculator (and give us feedback).

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Savings paid straight back to your account

We pay 50% of any ongoing commission we receive straight back to your bank account every month - no forms to fill, letters to send, or hoops to jump through. Plus you can see exactly how much commission you've saved using our accounts screen.

Find out more about how commission works or how we charge.

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For your existing investments too

You also can benefit from the rplan savings on your existing investments - simply transfer your existing investments over to us, and start receiving ongoing commission rebates straight away. Transferring your assets is effortless - we do all the paperwork and fill in the forms for you.

Find out more about how transfers work, or

Transfer existing investments

Safe and secure

Your money is safe with us

rplan ltd is authorised and regulated by the Financial Services Authority, and we don't hold any of our clients' money.

Your investments are held with Cofunds, the UK's largest independent investment platform. Debit card payments are processed by RBS on behalf of Cofunds.

Find out more about where your money is held and our partners.

The latest in security technology

We use high grade 128-bit encryption technology, the same as most banks. Our site is monitored, protected and supported by Trust Guard and GeoTrust.

Debit card payments are processed externally by RBS Streamline. Our servers are stored in a secure facility operated by Amazon.

We do not pass your personal information on to any third parties unless it is necessary as part of a financial transaction. Find out more about our security practices.

Find the best investment for you

Choices you can understand

Choosing an investment from the vast choice available can be daunting. We make it easy for you to find the right investment using our simple tools, and present the information you need to make your decision in a clear, understandable way.

Find out more about how to select funds.

Try the fund selector

Choose from pre-selected portfolios...

If you're not sure what to buy, have a look at a range of investment portfolios picked by the experts at Rayner Spencer Mills.

Choose the risk level you want to invest at, and see a portfolio of matching funds selected by Rayner Spencer Mills based on their past performance and their growth prospects.

Find out about Rayner Spencer Mills, or

Browse the portfolios

... or from our range of over 1,500 funds

We have a wide range of investments from market-leading companies such as BlackRock, Jupiter, Fidelity, HSBC and others. You can also select funds based on their investment focus, past performance, risk levels, cost and other criteria.

See the discounts, or

Browse funds

Plan for your future

Create a plan for your investments

Our research found that a large number of people in the UK don't create financial plans for their future. Creating plans for your investments helps you both focus on your targets and decide which investments are best suited to reach them.

Find out more about setting up a plan.

Keep on track with our planning tools

Create a plan to send your children to university or simply set a target date and amount to get started. You can then keep track of how you're doing, or top up an existing plan to reach your goal sooner.

Get started with the university fees planner or the simple planner.

Create a plan

Keep track of your investments

Always know where you stand

Get an instant overview of your investments, their worth and up-to-date pricing information with our simple valuation screen.

Find out more about our analysis tools.

Instant valuations on the move

Get access to your investments anywhere using our free mobile application.

Find out more about the iPhone or iPad, Android or Blackberry apps.

Get help from experts and peers

Insight from our panel of experts

We have asked for the help of leading independent experts to give you market commentary and insight into investing and finance.

Meet our panel of experts, or

View the blogs

Discuss your decisions with like-minded peers

Taking financial decisions can sometimes be hard. Discuss your choices with a community of like-minded peers and benefit from their experiences and feedback, or help others facing the same decisions you might have faced previously.

Find out more about how our community works or browse the forums - it's free.

Browse the forums