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Start investing with £25 a month
Important information - Investments can go down as well as up in value, so you could get back less than you put in. The information on this page isn't advice - please ask us for financial advice if you’re not sure which investments are right for you.
What is investing by Direct Debit?
Invest automatically with a monthly Direct Debit from £25 per investment.
- Choose your investments first, and your Direct Debit amount for each one.
- Or add money to your account each month and decide where to invest it later.
How it works
- 7th of the month
Direct Debit taken from your bank account. It may take 24 hours to show in your HL account
- 10th of the month
Investments are made
Dates are to the next working day, if they fall on a weekend or bank
These dates can't be changed.
What can you invest in?
- FTSE-350 shares
- Certain Investment Trusts
Eligible Investment Trusts
Available investment trusts are mostly in the FTSE 350, which is adjusted on a quarterly basis.
You can invest by Direct Debit in the following investment trusts:
Last reviewed February 2021
Investment trusts 3i Group Plc 3i Infrastructure Plc Aberdeen Asian Income Fund Aberdeen Japan Investment Trust Plc Aberdeen New Dawn Investment Trust Plc Aberdeen New India Investment Trust Aberdeen New Thai Investment Trust Plc Aberdeen Standard Asia Focus Trust Plc Aberdeen Standard Equity Income Trust Plc Aberforth Smaller Companies Trust Plc Aberforth Split Level Income Trust Plc Acorn Income Fund AEW UK REIT Plc Alliance Trust Plc Allianz Technology Trust Alternative Credit Investments Plc Apax Global Alpha Limited Ashoka India Equity Inv Trust Plc Asia Dragon Trust Plc Atlantis Japan Growth Fund Augmentum Fintech Plc Aurora Investment Trust Plc AVI Global Trust Plc AVI Japan Opportunity Trust Plc Baillie Gifford China Growth Trust Plc Baillie Gifford European Growth Trust Plc Baillie Gifford Japan Trust Plc Baillie Gifford Shin Nippon Plc Baillie Gifford UK Growth Fund Plc Baillie Gifford US Growth Trust Plc Baker Steel Resources Trust Ltd Bankers Investment Trust Plc Barings Emerging EMEA Opportunities BB Healthcare Trust Plc BBGI Global Infrastructure S.A. BH Global Ltd BH Macro Ltd (GBP) Biotech Growth Trust Plc (The) BlackRock Energy And Resources Income Trust Plc BlackRock Frontiers Investment Trust Plc BlackRock Greater Europe Investment Trust Plc BlackRock Income & Growth Investment Trust Plc BlackRock Latin American Investment Trust Plc Blackrock North American Income Trust Plc BlackRock Smaller Companies Trust Plc BlackRock Throgmorton Trust Plc BlackRock World Mining Trust Plc Bluefield Solar Income Fund Limited BMO Capital and Income Inv Trust Plc BMO Commercial Property Trust Ltd BMO Global Smaller Companies Plc BMO Managed Portfolio Trust Plc Growth BMO Managed Portfolio Trust Plc Income BMO Private Equity Trust Plc BMO Real Estate Investments Limited Brunner Investment Trust Plc Caledonia Investments Plc Capital Gearing Trust Plc CC Japan Income & Growth Trust Plc Chelverton UK Dividend Trust Plc Chrysalis Investments Limited City Merchants High Yield Trust Ltd City Of London Investment Trust Civitas Social Housing Plc CQS Natural Resources Growth and Income Plc CQS New City High Yield Fund Ltd Dunedin Income Growth Investment Trust Plc Ecofin Global Utilities & Infrastructure Trust Plc Edinburgh Investment Trust Plc Edinburgh Worldwide Investment Trust Electra Private Equity Plc European Assets Trust European Opportunities Trust Plc F&C Investment Trust Plc Fidelity Asian Values Fidelity China Special Situations Plc Fidelity European Values Plc Fidelity Japan Trust Plc Fidelity Special Values Finsbury Growth & Income Trust Plc Foresight Solar Fund Ltd Fundsmith Emerging Equities Trust Plc GCP Asset Backed Income Fund Limited GCP Infrastructure Investments Ltd GCP Student Living Plc Genesis Emerging Markets Fund Ltd Golden Prospect Precious Metals Ltd Gore Street Energy Storage Fund Plc Greencoat Renewables Plc Greencoat UK Wind Plc Gulf Investment Fund Harbourvest Global Private Equity Henderson Eurotrust Plc Henderson Far East Income Ltd Henderson High Income Trust Plc Henderson Opportunities Trust Plc Henderson Smaller Cos Investment Trust Plc Herald Investment Trust HG Capital Trust Plc HICL Infrastructure Plc Highbridge Tactical Credit Fund Hipgnosis Songs fund Ltd ICG Enterprise Trust Plc Impact Healthcare REIT plc Impax Environmental Markets Plc Independent Investment Trust Plc International Biotechnology Trust International Public Partnerships Limited Invesco Asia Trust Plc Invesco Enhanced Income Limited Invesco Income Growth Trust Invesco Perpetual Select Trust UK Equity Invesco Perpetual Select Trust Global Equity Invesco Perpetual UK Smaller Cos Inv Tst JLEN Environmental Assets Group JPMorgan American Investment Trust Plc JPMorgan Asian Growth & Income Plc JPMorgan China Growth & Income Plc JPMorgan Claverhouse Investment Trust Plc JPMorgan Elect Plc Managed Growth JPMorgan Elect Plc Managed Cash JPMorgan Elect Plc Managed Income JPMorgan Emerging Markets IT Plc JPMorgan European Investment Trust Income JPMorgan European Investment Trust Growth JPMorgan European Smaller Co IT Plc JPMorgan Global Core Real Assets Limited JPMorgan Global Emerging Markets Income Trust JPMorgan Global Growth & Income Plc JPMorgan Indian Investment Trust JPMorgan Japan Small Cap Growth & Income Trust JPMorgan Japanese Investment Trust JPMorgan Mid Cap Investment Trust Plc JPMorgan Multi-Asset Trust JPMorgan Russian Securities JPMorgan Smaller Companies Investment Trust Plc JPMorgan US Smaller Companies Investment Trust Jupiter Emerging & Frontier Income Investment Tst Jupiter Green Investment Trust Jupiter UK Growth Investment Trust Plc Jupiter US Smaller Companies Plc Keystone Positive Change Investment Trust Plc KKV Secured Loan Fund Ltd Law Debenture Corporation Lindsell Train Investment Trust Plc (The) Lowland Investment Company Plc LXI REIT Plc M&G Credit Income Investment Trust Plc Majedie Investments Plc Manchester & London Inv Tst Plc Martin Currie Global Portfolio Trust Mercantile Investment Trust Plc Merchants Trust Plc Mid Wynd International Investment Trust Plc Middlefield Canadian Inc - GBP PC Miton UK Microcap Trust Plc Mobius Investment Trust Monks Investment Trust Montanaro European Smaller Companies Trust Plc Murray Income Trust Plc Murray International Trust Plc NB Global Monthly Income Fund Ltd New Star Investment Trust Plc NextEnergy Solar Fund Ltd North American Income Trust Plc North Atlantic Smaller Cos Inv Tst Plc Oakley Capital Investments Ltd Oryx International Growth Fund Pacific Assets Trust Pacific Horizon Investment Trust Plc Pantheon International Pershing Square Holdings Ltd Personal Assets Trust Plc Polar Capital Global Financials Trust Plc Polar Capital Global Healthcare Trust Plc Polar Capital Technology Trust Plc Premier Miton Global Renewables Trust Regional REIT Ltd Residential Secure Income REIT Rights & Issues Investment Trust Plc RIT Capital Partners Plc Riverstone Energy Ltd Ruffer Investment Co Ltd Schroder Asia Pacific Fund Schroder Asian Total Return Investment Company Plc Schroder British Opportunities Trust Schroder European Real Estate Investment Trust Plc Schroder Income Growth Fund Plc Schroder Oriental Income Fund Schroder UK Mid Cap Fund Schroder UK Public Private Trust Plc Scotgems Plc Scottish American Investment Co Plc Scottish Investment Trust Plc Scottish Mortgage Investment Trust Scottish Oriental Smaller Cos Trust SDCL Energy Efficiency Income Trust Plc Secure Income REIT Plc Securities Trust of Scotland Sequoia Economic Infrastructure Income Fund Ltd Shires Income Plc Smithson Investment Trust Plc Standard Life Investment Property Income Trust Standard Life Private Equity Trust Plc Standard Life UK Smaller Companies Trust Plc Syncona Limited Target Healthcare REIT Plc Temple Bar Investment Trust Plc Templeton Emerging Markets Inv Tst Plc The Renewables Infrastructure Group Limited TR European Growth Trust TR Property Investment Trust Plc Triple Point Energy Efficiency Infra Company Plc Tritax Big Box REIT Plc Tritax Eurobox Plc Troy Income & Growth Trust Plc UK Commercial Property Reit Limited US Solar Fund Plc Utilico Emerging Markets Trust Plc Value and Indexed Property Income Trust Vietnam Enterprise Investments Ltd VinaCapital Vietnam Opportunity Fund Ltd Witan Investment Trust Plc Worldwide Healthcare Trust Plc
You can invest by Direct Debit in the following ETFs:
Last reviewed February 2021
ETFs BlackRock Asset Management Ireland Limited iShares Nasdaq US Biotechnology UCITS ETF db x-trackers MSCI World Health Care Index UTCITS ETF (DR) db X-trackers MSCI World Energy Index UCITS ETF (DR) db x-trackers S&P 500 UCITS ETF (DR) (GBP) db X-trackers MSCI GCC Select Index UCITS ETF Fidelity UCITS ICAV Global Quality Income UCITS ETF ACC-GBP (hedged) Fidelity UCITS ICAV Emerging Markets Quality Income GBP First Trust Global Funds Plc United Kingdom AlphaDEX UCITS First Trust Global Funds Plc Cloud Computing UCITS ETF Class A - Accumulation First Trust Global Funds Plc Dow Jones Internet UCITS ETF First Trust Global Funds Plc INDXX INNOV TRAN& PROCESS UCTS ETF Gold Bullion Securities Secured Undated Zero Cpn Notes (USD) Gold Bullion Securities Secured Undated Zero Cpn Notes (GBP) HANetf ICAV The Medical Cannabis and Wellness UCITS ETF GBP HANetf ICAV Indxx Healthcare Innovation UCITS ETF Acc HANetf ICAV iClima Global Decarbonisation Enablers UCITS ETF HANetf ICAV Cloud Technology UCITS ETF Acc HANetf ICAV Han-Gins Tech Megatrend Eql Wt UCITS ETF (GBP) HANetf ICAV Emqq Em Mkts Internet & Ecommerce UCITS ETF (GBP) HANetf Securities Plc The Royal Mint Physical Gold ETC HANetf Securities Plc The Royal Mint Physical Gold ETC HSBC ETFs Plc FTSE 100 UCITS ETF HSBC ETFs Plc MSCI China ETF (GBP) HSBC ETFs Plc MSCI World ETF GBP HSBC ETFS Plc MSCI World ETF USD HSBC ETFs Plc S&P 500 ETF USD HSBC ETFs Plc MSCI USA HSBC ETFs Plc FTSE 250 Invesco Markets II Plc Invesco Elwood Global Blockchain UCITS ETF (Acc) Invesco Markets III Plc EQQQ NASDAQ 100 UCITS ETF Invesco Markets III Plc EQQQ NASDAQ-100 UCITS GBP HDG Invesco Markets Plc Bloomberg Commodity UCITS ETF A GBP Invesco Markets Plc Bloomberg Commodity UCITS A USD Invesco Markets Plc Bloomberg Commodity UCITS ETF A GBP Invesco Markets Plc Bloomberg Commodity UCITS A USD Invesco Physical Markets Plc Physical Gold ETC (GBP) Invesco Physical Markets Plc Physical Gold ETC (USD) iShares CORE MSCI EM IMI UCITS USD DIS iShares Global Corp Bond UCITS USD Acc iShares Global High Yield Corp Bd UCITS USD iShares Edge IV Plc MSCI World Quality Factor iShares II Plc Core Euro STOXX 50 UCITS ETF (Dist) iShares II Plc USD Treasury Bond 7-10 iShares II Plc Core UK Gilts UCITS ETF iShares II Plc FTSE EPRA/NAREIT Asia Property Yield Fund iShares II Plc FTSE EPRA/NAREIT US Property Yield Fund iShares II Plc FTSE/Macquarie Global Infrastructure 100 iShares II Plc Global Water UCITS ETF iShares II Plc FTSE EPRA/NAREIT UK Property Fund iShares II Plc FTSE MIB UCITS ETF (Dist) iShares II Plc S&P Global Clean Energy iShares II Plc Core MSCI Europe UCITS ETF (Dist) iShares II Plc MSCI EM Latin America (GBP) UCITS ETF (Dist) iShares II Plc MSCI World Islamic iShares II Plc MSCI Emerging Markets Islamic (USD) iShares II Plc MSCI USA Islamic iShares II Plc US Aggregate Bond UCITS ETF iShares II Plc USD Treasury Bd 7-10yr UCITS ETF GBP Hdg Dis iShares II Plc MSCI World Quality DIV UCITS USD(GB iShares III Plc S&P SmallCap 600 (USD) iShares III Plc Core MSCI Europe (Acc) EUR iShares III Plc Core MSCI World (Acc) iShares III Plc Core MSCI Japan IMI Acc USD (GBX) iShares III Plc MSCI Pacific ex-Japan (USD) iShares III Plc MSCI Pacific ex-Japan GBP iShares III Plc Core MSCI World UCITS ETF GBP DIS H iShares III Plc GBL Aggregate BD UCITS ETF GBP HDG iShares III Plc MSCI World Small Cap UCITS USD(GBP) iShares IV Plc EDGE MSCI USA MOMENTUM FAC UCTS USD iShares IV Plc MSCI WORLD SRI UCITS ETF USD D (SUWS) iShares IV Plc MSCI World ESG Screened UCITS ETF USD Acc iShares Iv Plc Electric Vehicles and Driving Technology UCITS ETF iShares IV Plc Edge MSCI World Quality Factor UCITS ETF USD (Acc) iShares IV Plc TA 35 ISRAEL UCITS(GBP) iShares IV Plc USD Treasury Bond 20+ Year UCITS ETF iShares IV Plc Sustainable MSCI Em Mkt SRI UCT USD iShares IV Plc MSCI USA SRI UCITS ETF USD (Acc) GBP iShares IV Plc Automation & Robotics UCITS ETF USD (Dist) iShares IV Plc MSCI World SRI UCITS ETF EUR (Acc) iShares IV Plc Automation & Robotics UCITS ETF USD iShares IV Plc Ageing Population UCITS ETF USD (GBP) iShares IV Plc Healthcare Innovation UCITS ETF USD iShares IV Plc Healthcare Innovation UCITS ETF USD iShares IV Plc Digitalisation UCITS ETF USD (GBP) iShares IV Plc Automation & Robotics UCITS ETF USD iShares Physical Metals Plc Physical Silver ETC iShares Physical Metals Plc Physical Palladium ETC iShares Physical Metals Plc Physical Platinum ETC iShares Physical Metals Plc Physical Gold USD ETC iShares Physical Metals Plc Physical Gold ETC iShares Plc Core FTSE 100 UCITS ETF (Dist) iShares Plc S&P 500 UCITS ETF (Dist) iShares Plc FTSE 250 iShares Plc MSCI Japan UCITS ETF (Dist) iShares Plc MSCI World UCITS ETF (Dist) iShares Plc EURO STOXX Total Market Growth Large iShares Plc FTSE UK Dividend iShares Plc MSCI Emerging Markets UCITS ETF (Dist) iShares Plc FTSE/EPRA European Property Index Fund iShares Plc Barclays Capital USD Treasury Bond 1-3 iShares Plc Core S&P 500 (USD) UCITS ETF (Dist) iShares Plc Sterling Corporate Bond 0-5Yr UCITS ETF iShares Plc MSCI Emerging Markets IMI iShares Plc Core MSCI EM IMI UCITS ETF USD (Acc) iShares V Plc S&P 500 Monthly GBP Hedged (GBP) iShares V Plc S&P 500 Health Care Sector UCITS ETF GBP iShares V Plc MSCI World Monthly GBP Hedged (GBP) iShares V Plc S&P 500 Financials Sector UCITS ETF USD Acc iShares V Plc S&P 500 Information Technology Sector ETF USD Acc iShares V Plc MSCi Poland UCITS ETF iShares V Plc Dow Jones Emerging Markets Select Div GBP iShares V Plc MSCI ACWI UCITS ETF USD Acc (GBP) iShares V Plc S&P 500 COMUNICTION SCTR UCIT ETF US iShares VI Plc Global Government AAA-AA Capped Bond iShares VI Plc MSCI Japan SRI UCITS ETF USD Acc iShares VII Plc MSCI UK Small CAP UCITS ETF iShares VII Plc Core S&P 500 B USD ACC iShares VII Plc Core FTSE 100 (Acc) iShares VII Plc Core S&P 500 B GBP ACC iShares VII Plc NASDAQ 100 UCITS ETF USD Acc iShares VII Plc Core S&P 500 UCITS ETF GBP Dis Hdg JPMorgan Funds ETFs (Ireland) ICAV USD Ultra Short Income UCITS ETF GB Legal & General Global Equity UCITS ETF USD(GBP) ACC Legal & General Artificial Intelligence UCITS ETF (GBP) Legal & General Cyber Security UCITS ETF ACC (USD) Legal & General UCITS ETF L&G FTSE 100 Leveraged (2X) Fund Legal & General UCITS ETF ETFS BATTERY VAL CHAIN USD ACC GBP Legal & General UCITS ETF ECOMMERCE LOGISTICS ETF USD ACC GBP Legal & General UCITS ETF ROBO Global Robotics & Automation Legal & General UCITS ETF Cyber Security UCITS(GBP) Legal & General UCITS ETF Plc Clean Energy UCITS ETF GBP Multi Units Luxembourg Lyxor Core MSCI Japan (DR) UCITS ETF Rize ETF ICAV Sustainable Future Of Food UCITS ETF GBP Rize ICAV Medical Cannabis & Life Sciences UCITS ETF GBP SPDR ETFs Europe I Plc S&P 500 USD SSGA SPDR ETFS Europe MSCI World UCITS ETF SSGA SPDR ETFs Europe I Plc S&P UK Dividend Aristocrats GBP SSGA SPDR ETFs Europe I Plc SPDR MSCI ACWI USD (GBP) SSGA SPDR ETFs Europe I Plc FTSE UK All Share SSGA SPDR ETFS Europe I Plc FTSE Uk All Share UCITS ETF SSGA SPDR ETFS Europe II Plc S&P US Consumer Staples Sel Sector UBS ETF SICAV MSCI World Socially Responsible VanEck Investments Ltd Video Gaming Esports UCITS ETF USD -Class A VanEck Investments Ltd Vectors Gaming Esports UCITS ETF USD VanEck Vectors ETF Gold Miners UCITS Vanguard Funds Plc FTSE All-World UCITS ETF (USD) Distributing Vanguard Funds Plc FTSE 100 UCITS ETF GBP Vanguard Funds Plc S&P 500 UCITS ETF USD DIS Vanguard Funds Plc UK Gilt UCITS ETF GBP Vanguard Funds Plc FTSE All-World UCITS ETF (USD) Distributing - GBP Vanguard Funds Plc FTSE Emerging Markets UCITS ETF USD(GBP) Vanguard Funds Plc S&P 500 UCITS ETF USD(GBP) Vanguard Funds Plc FTSE All World High Dividend Yield Vanguard Funds Plc FTSE Japan Equity Vanguard Funds Plc FTSE Developed Asia Pacific ex-Japan Vanguard Funds Plc S&P 500 UCITS ETF USD ACC (GBP) Vanguard Funds Plc FTSE 100 UCITS ETF GBP ACC Vanguard Funds Plc FTSE 250 UCITS ETF Acc Vanguard Funds Plc Global Aggreg Bond UCITS ETF GBP H Acc Vanguard Funds Plc FTSE Developed Europe Ex UK UCITS ETF (GBP) Vanguard Funds Plc Global Aggreg Bond UCITS ETF GBP H Dis Vanguard Funds Plc FTSE All-World UCITS ETF (USD) Accumulating Vanguard Funds Plc FTSE North America UCITS ETF Vanguard Funds Plc FTSE Developed Europe ex-UK UCITS ETF Vanguard Funds Plc FTSE 250 UCITS ETF Acc Vanguard Funds Plc FTSE Developed World UCITS Vanguard Funds Plc USD Emerging Markets Government Bond UCITS ETF Vanguard Funds Plc Global Minimum Volatility UCITS Vanguard Funds Plc Global Value Factor UCITS WisdomTree Physical Gold (GBP) WisdomTree Physical Precious Metals (GBP) WisdomTree Physical Swiss Gold (GBP) WisdomTree Cloud Computing UCITS ETF - USD Accumulation WisdomTree Issuer ICAV Cloud Computing UCITS ETF - USD Acc (GBP) WisdomTree Issuer Plc Enhanced Commodity UCITS WisdomTree Issuer Plc Enhanced Commodity UCITS ETF GBP Hedged WisdomTree Issuer Plc Artificial Intelligence UCITS ETF - GBP Acc WisdomTree Issuer Plc Battery Solutions UCITS ETF USD Acc (GBP) WisdomTree Metal Securities Limited Physical Swiss Gold Xtrackers FTSE 250 UCITS ETF (DR) Xtrackers NIFTY 50 UCITS ETF Xtrackers MSCI EM EMEA Index UCITS ETF Xtrackers LPX MM Private Equity UCITS ETF Xtrackers S&P/ASX 200 UCITS ETF (DR) Xtrackers MSCI Africa TOP 50 Index UCITS ETF Xtrackers Physical Gold GBP Hedged ETC Xtrackers Harvest CSI300 Index UCITS ETF (DR)
- Investing monthly in shares, investment
trusts and ETFs
- We’ll buy as many shares as we can, with the amount you’ve asked for. The minimum amount is £25 per investment, per month
- There will always be some money left over monthly that we won’t be able to invest. This money will stay in your account until you choose to invest it
- If the amount you’ve asked for isn’t enough to buy the shares you’ve chosen, the money will stay in your account until you invest it.
No charge to deal
Shares, Investment trusts and ETFs
£1.50 per trade
Taken from your total Direct Debit
Why invest by Direct Debit?
- It's good discipline - It takes the emotion out of your decisions, and you won’t be tempted to try timing the market.
- It's automatic - So long as you check you're still in line with your investing goals, the Direct Debit does the work for you.
- Low dealing charges for shares - It costs £1.50 monthly to buy shares with a Direct Debit, compared to £11.95 online.
How much should I invest?
Expected growth rate
These aren’t guaranteed rates, just examples.
About this calculator: This calculator is an example - it doesn’t show what your investments will actually be worth. Remember investments can go down as well as up in value so you could get back less than you put in.
To make these calculations, we've included an annual charge of 1.25%, but this could be lower or higher, depending on the investments you hold. We haven’t factored in inflation. These results are based on a growth rate of 5%, unless you have adjusted the growth rate in 'Additional options'.
How to set up a Direct Debit
For Stocks and Shares ISA, Lifetime ISA, SIPP and Fund and Share Account
The fastest way to set up a Direct Debit is online.
- Log in and choose the account in which you'd like to set up a Direct Debit
- Click 'Monthly Savings'
- You'll need your bank details to hand
to change or cancel
your monthly Direct Debit
You can change your Direct Debit and investments at any time, but any changes made fewer than 7 working days before the Direct Debit is taken will apply from the following month.
- Log in and choose the account you’d like to make the change in
- Click on ‘Monthly savings’ and follow the instructions
To cancel your Direct Debit you'll need to contact your bank.