Capital at risk. The value of your investments can go down as well as up and you may get back less than you invest. Past performance is not a reliable indicator of future results. Tax treatment depends on individual circumstances and may change.

Grow your wealth with confidence

Investing is no longer reserved for those with a financial adviser on speed dial. Nobil Trust Bank makes building a diversified, long-term portfolio as straightforward as opening a savings account, starting from as little as $50 a month.

Start investing today Speak to an adviser
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Portfolio Growth, 5 Risk Levels

$50
Start investing per month
5
Risk levels to choose from
0.35%
Annual charge from
1,000+
Funds and ETFs available
No lump sum needed
$50
Start investing per month

Start investing today, from just $50 a month

You do not need a lump sum or a financial adviser to start building a diversified portfolio. Pick a risk level, set up a monthly contribution, and let your money work harder over the long term while we handle the rebalancing.

Start investing today
Investment products

Three ways to grow your money

Whether you prefer hands-off portfolio management, direct stock selection, or long-term retirement planning, we have a structured product built around your preference.

Managed investing
From 0.35% p.a.

Managed Investing

Let our team of portfolio managers do the work. Choose your risk level once and your portfolio is automatically built, rebalanced, and optimised throughout the year. You invest with confidence knowing that experienced professionals are actively monitoring markets on your behalf, adjusting allocations to reflect changing conditions.

  • 5 risk-rated portfolios
  • Automatic monthly rebalancing
  • Globally diversified funds
  • Annual charge from 0.35%
  • No entry or exit fees
Open an account
Self-directed investing
No platform fee

Self-Directed Investing

For investors who prefer to build their own portfolio, our self-directed platform gives you access to thousands of ETFs, index funds, and individual stocks across global markets, all at your fingertips. Set up regular contribution plans, research holdings in depth, and execute trades with low, transparent dealing charges.

  • Thousands of ETFs and equities
  • No annual platform charge
  • Real-time pricing and data
  • Regular investment plans from $25
  • ISA and general account available
Open an account
Retirement account
Tax relief on contributions

Retirement Account

Our personal pension is designed for long-term, tax-efficient growth. Contributions receive tax relief at your marginal rate, meaning the government effectively tops up every pound you invest. Choose from managed portfolios or self-select from our full fund range, and consolidate old workplace pensions into one clear account.

  • Up to 45% government tax relief
  • Consolidate old workplace pensions
  • Flexible contribution amounts
  • Choose managed or self-directed
  • Annual charge from 0.35%
Open an account
Portfolio performance

Five risk levels, one clear choice

We offer five distinct managed portfolios ranging from capital preservation to high-growth equity exposure. Each portfolio is regularly reviewed by our investment committee and rebalanced to maintain its target risk profile, giving you a consistent investment experience without requiring any ongoing action on your part.

Historical return ranges shown are annualised net of charges over a rolling 10-year period and are not a guarantee of future results.

Cautious
2–4% p.a. est.
Moderate
3–6% p.a. est.
Balanced
5–8% p.a. est.
Growth
6–10% p.a. est.
Adventurous
8–14% p.a. est.
Investment portfolio management
Why invest with us

Four reasons members choose Nobil Trust Bank for investments

Start Small

Investing begins at $50 per month, there is no minimum lump sum requirement. Regular monthly contributions are one of the most effective long-term wealth-building strategies available.

Diversification

Our managed portfolios spread your money across thousands of underlying assets in over 50 countries, significantly reducing the impact any single investment can have on your overall returns.

Long-term Growth

Time in the market, not timing the market, is the proven driver of long-term wealth. We structure our portfolios to compound returns steadily over decades, not chase short-term performance.

Tax Efficiency

Shelter up to $20,000 per year in an ISA wrapper, completely free of income and capital gains tax. Our pension product additionally attracts government tax relief on every contribution you make.

Getting started

Four steps to your first investment

You can be a fully invested Nobil Trust Bank investor in under 15 minutes from opening the app for the first time.

1

Open your account

Register in minutes with your details and complete a brief risk assessment questionnaire designed to understand your goals and tolerance for market movements.

2

Choose your approach

Select managed investing for a hands-off experience, or self-directed if you prefer to choose individual funds and equities from our full range.

3

Set your contribution

Decide how much to invest monthly and set up a direct debit. You can pause, reduce, or increase contributions at any point from within the app.

4

Watch your portfolio grow

Monitor performance, review asset allocation, and access quarterly reports directly in the app. We handle all rebalancing automatically on your behalf.

Common questions

Investments, frequently asked questions

Your uninvested cash held in your investment account is protected by the Financial Services Compensation Scheme (FSCS) up to $85,000 per person. Investments themselves are held in nominee accounts, kept separate from Nobil Trust Bank's own assets, meaning they are ring-fenced in the unlikely event of firm insolvency. However, the value of your investments can fall as well as rise, and this market risk is not covered by FSCS protection.
For our managed portfolios, the total annual charge is 0.35% of your portfolio value, which covers platform fees, portfolio management, and underlying fund costs. For self-directed investing, there is no annual platform fee, you pay a flat dealing charge per trade of $2.99 for ETFs and $4.99 for individual equities. There are no entry or exit fees on either product.
Yes. ISA and general investment account funds can be withdrawn at any time without penalty. We will sell the relevant holdings at the next available price and transfer proceeds to your Nobil Trust Bank current account, typically within 3 to 5 business days. Pension funds are subject to pension access rules, generally accessible from age 55, rising to 57 from 2028.
You can begin with a regular monthly contribution of as little as $50, or make a one-off lump sum investment of $500 or more. There is no maximum investment limit, and you can set up multiple accounts, for example, an ISA and a pension running concurrently, each with separate contribution schedules.

Important Risk Warning

The value of investments and the income from them can fall as well as rise, and you may get back less than you originally invest. Past performance is not a reliable indicator of future performance. Tax rules can change and their effects depend on individual circumstances. If you are unsure whether investing is right for you, please seek independent financial advice. Nobil Trust Bank is authorised and regulated by the Financial Conduct Authority.

Start investing today, from just $50 a month

Open your account in minutes, choose your risk level, and let your money work harder over the long term.

Open an investment account Speak to an adviser

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