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Regular
Investing

Build your pot from £25 a month

Add a little, build a lot

Adding money every month is an easy and affordable way to grow your money. You can set up a Direct Debit from just £25 and invest in a wide range of investments.

When you set up your monthly investment, you can choose your investment or add the money as cash and pick investments later.

From just £25 per month

It’s flexible investing monthly. You can place an instruction to change where you invest, change the amount you contribute or stop your payments at any time.

Where can I invest?

How to set up a monthly investment

It's easy to start investing monthly in a Fund and Share Account, Stocks and Shares ISA, Lifetime ISA, Junior Stocks and Shares ISA, or Self-Invested Personal Pension (SIPP). Find out more about our accounts

There are no dealing charges for funds, and a dealing commission of just £1.50 per trade for shares, ETFs and investment trusts.

More about our charges

New to HL?

You can set up a Direct Debit when you open an HL account.

Your money will be held in your account as cash until you pick your investments.

Find out more about our accounts and get started.

Explore your options

Already a client?

You'll just need your bank details to hand.

How to set up a Direct Debit

  1. Log in to your account
  2. Select the account into which you want to invest monthly
  3. Choose the 'Monthly savings' tab and follow the instructions

Log in now

Slow and steady

Investing a little each month can help smooth any ups and downs from the stock market. That's because you're buying over time instead of putting your money all in at once.

It also means you don't have to worry about when the right time to invest is.

All investments can fall as well as rise in value so you could get back less than you invest.

Regular investing calculator

£ a month
years

Calculate

Your results

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'.

Tax rules can change and any benefits depend on your circumstances.

Learn more about regular investing

  • What happens if I don't select an investment?

    If you decide not to pick an investment when setting up your Direct Debit, your money will be held as cash in your account.

    You can change this at any time:

    1. Log in to your HL account and select the investment account into which you're investing monthly
    2. Choose the ‘Monthly Savings’ tab
    3. Select ‘Change’ and then select 'Add a fund' or 'Add a share'

    You can also call us on 0117 900 9000 to change your Direct Debit or investments. We’ll need to have your investment instructions by 4:30pm on the day before we collect your Direct Debit.

  • Direct Debit dates and timings

    Your Direct Debit will go out on the 7th of each month (or the next working day). We’ll invest your payment for you on the 10th of the month (or within three working days).

    At the moment, it’s not possible to choose different dates.

  • Changing your Direct Debit amount

    If you want to change your Direct Debit amount, you'll have to do so seven working days before it goes out (on the 7th of every month, or the next working day).

    1. Log in to your HL account and select the investment account in which you want to change the Direct Debit amount
    2. Choose the ‘Monthly Savings’ tab
    3. Select ‘Change’ and enter your new amount

    You can also call us on 0117 900 9000 to change your Direct Debit or investments.

  • Changing where your Direct Debit is invested each month, but keeping the amount the same

    Your Direct Debit will stay the same even if you buy and sell investments in your account.

    You can change your investments online up until 11:59pm on the day before we collect your Direct Debit.

    You can also call us on 0117 900 9000 to change your investments. We’ll need to have your investment instructions by 4:30pm on the day before we collect your Direct Debit.

  • Cancelling your Direct Debit

    If you want to cancel your next Direct Debit, you'll have to do so seven working days before it goes out (on the 7th of every month, or the next working day). But if you miss the deadline, you can always cancel it directly with your bank.

    1. Log in to your account
    2. Choose the ‘Monthly Savings’ tab
    3. Change the monthly contribution amount to zero

    You can also call us on 0117 900 9000 to cancel your Direct Debit.