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Fortune
favours those
who Belong
Being long
The stock market goes up and down every day, but 100 years of history shows that a good way to make money is to invest and hold.
Diversification
Picking stocks can be exciting, but 'buying the market' is a clever way to diversify and anchor your savings... no matter who you are.
The Power of Compounding
Einstein called compounding the 8th wonder of the world. It’s a simple fact, the more money you invest and the longer you leave it, the faster it grows.
Those Who Belong
Join the movement if you have excess cash savings and are ready to take a long-term view on your wealth-building. The minimum investment amount is £1,000 to open an account.
✛ Please remember that historical performance is never a guarantee of future performance, your capital is at risk and the value of your investment can go down as well as up.
Start
You can open a Belong ISA or General Investment Account in less than 5 minutes. The Future Wealth Simulator lets you design your initial investment and see how adding an optional Boost loan impacts your projected growth.
Capital at risk.
Build
Once you’ve taken the first step to be long, we deliver unique products, features and engaging content to help you build your wealth over time.
Capital at risk.
Use
In time, we’ll provide a suite of embedded financial products, and offers from our partners, to help unlock maximum value from your future wealth.
Capital at risk.
Our story
We came together around a common mission of inspiring a new generation of savvy, long-term thinkers, committed to building sustainable wealth for our future selves.
Belong is leading a movement of young investors who ride out the dips, outlast the fads, and reap the rewards of time.
Sign up to our waitlist to join this movement.
FAQs
How long does it take to join Belong?
It takes about 5 minutes to open an ISA or a General Investment Account with Belong. You will need your National Insurance Number and a form of ID (e.g. a passport, driver's license or resident permit) on hand.
Can I open a stocks and shares ISA with Belong?
Yes, Belong offers the choice of a stocks and shares ISA or a General Investment Account (GIA).
Which investment funds do you offer?
You can make your own selection from the following five index funds. We believe strongly in diversification, so all of the funds we offer, including the ESG options, track the broad equities markets:
- MSCI World (Fidelity)
- MSCI World ESG (L&G)
- S&P 500 (UBS)
- FTSE All World Climate (L&G)
- UK Corporate Bond (Vanguard)
Please note, you can't add a Boost loan to an investment in the UK Corporate Bond fund.
Can I add more money to my Belong account after I make my initial investment?
Yes, you can add more money to your Belong investment at any time. This can be done either as a one-off contribution, or on a monthly recurring basis, at no additional fee.
When can I apply for a Boost loan?
You can register your interest for a Boost loan either during sign up or from your Belong dashboard. You will be added to the Boost loan waitlist after making your initial investment and we'll send you a notification when it's your turn to apply.
How much can I Boost?
You can Boost up to 1x your cash investment amount. For example: if you invest £5,000 you can apply for a maximum Boost loan of £5,000. The minimum Boost loan that we would offer is £1,000.
What is the Boost loan interest rate?
5% to 6%, fixed.
How do the Boost loan repayments work?
The Boost loan is a 5-year amortising loan, which means that you will repay principal and interest, in small monthly amounts, over 5 years. After you are approved for a Boost loan, you are required to set up your repayments to be made, automatically, each month. It is important to note that you will make these repayments from your personal bank account, so your Belong investment is left to grow, untouched, over time.
What happens if I'm struggling to pay back my Boost loan?
If you have a Boost loan and encounter financial difficulties, we encourage you to let us know so we can work together to find a solution. We are here to help and have several options available, including temporarily pausing your repayments while you get back on your feet, or using some of your investment to prepay your Boost loan (either in part or in full) if you believe that this is the right outcome for you. We do not charge fees for prepaying your Boost loan because we do not believe in profiting from our customers when they most need our help.
What fees does Belong charge?
Belong charges an annual management fee of 0.95% of your investment value, of which 0.1% is paid out to partners for servicing. This fee is calculated and billed on a monthly basis.
Any additional fund management fee is charged directly to your investment by the fund manager and depends on the fund you select; this fee is outlined in the Key Investor Information Document when you select a fund on the Belong platform.
If you choose to add a Boost loan to your investment, associated fees will be presented clearly to you before you apply, and then outlined, separately, in your loan agreement.
Can I withdraw my money early?
Yes, you can withdraw some, or all, of your money whenever you want and we will deposit the funds into your bank account within 5 working days. We do not charge fees for withdrawals; however, if you have a Boost loan, we will need to repay the outstanding balance to the lender before returning the rest of the proceeds to you.
Is Belong regulated, and is my money secure?
Avione Saving & Investment Ltd (FRN 971870), trading as Belong, is an appointed representative of RiskSave Technologies, which is authorised and regulated by the Financial Conduct Authority (FRN 775330) and of Creative Finance Corp, which is authorised and regulated by the Financial Conduct Authority (FRN 702435).
When you invest with Belong, your funds are passed to Quai Investment Services Ltd (FRN 922590), a FCA-authorised custodian. All funds held by Quai are covered by the Financial Services Compensation Scheme (FSCS), which means that your funds are guaranteed, up to £85,000, across all of your Belong accounts, in the event that Belong and/or Quai Investment Services Ltd, enter liquidation. Please note that the FSCS does not protect you if the value of your investment falls and as with all investments, your capital is at risk.