Please note that Moneybox is not able to provide financial advice, so we wouldn’t be able to specifically advise on which investment allocation would be right for you and your individual circumstances. You may wish to research the funds we offer before you invest to make sure that they suit your needs and, if you need further advice on how to invest, you may prefer to contact a qualified financial adviser.

Our Starting Options (Cautious, Balanced, Adventurous) are made up of a range of diversified tracker funds, with different allocations for each option. All Starting Options include a global shares fund – you can choose for this fund to be Socially Responsible and invest with an ESG strategy.

These options are organised based on your chosen attitude towards risk. Our Adventurous option aims for higher growth, whilst accepting a higher level of risk, whereas our Cautious option aims for a more modest growth, whilst accepting lower risk.

You can view the historical performance of our three Starting Options (Cautious, Balanced and Adventurous), as well as their fund allocations on our website under Investing > Investing with Moneybox.

Your chosen investment allocation can be changed at any time in Settings > Allocations.

Please remember that past performance is not a reliable guide for future performance, and as with all investing your capital is at risk.