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.
The difference in cost between investment providers can be quite large. To make it easier to compare, we created a tool which allows you to see the charges of different providers for various investment scenarios.
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 £5/month no matter how much you have invested.
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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.Start investing
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, orTransfer existing investments
Safe and secure
Your money is safe with us
rplan ltd is authorised and regulated by the Financial Conduct 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.
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, orBrowse 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, orBrowse 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.Create a plan
Know your investments
Always know where you stand
Get an instant overview of your portfolio with 3 key figures: performance, risk, and cost. Also get an in-depth view of your funds' past performance, asset allocation, and geographical allocation.
In-depth analysis of your portfolio
See which funds in your portfolio are not performing well, and compare them against other funds in their sector.
What's more, you can use these tools for free by creating a virtual portfolio to analyse your existing assets.Create a virtual portfolio
Get help from experts and peers
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.Browse the forums