How to invest
Make an informed decision
If you buy an investment product based on financial advice and a recommendation, you should get a product that meets your needs and is suitable for your particular circumstances. Financial advice will depend on a number of factors such as what product you are looking for, your finances and your short and long-term goals.
If you have any questions about investing in Rathbone funds, and its suitability, a financial adviser can help you make an informed decision.
Please note that unbiased.co.uk bears no relation to Rathbone Unit Trust Management and we can take no responsibility for their opinions or advice.
Before you make any decisions, you must read the appropriate key investor information document and supplementary information document for important information about our equity, fixed income funds and multi-asset funds.
Our industry trade body, The Investment Association (IA), offer additional guidance on the charges and costs of investing. Please visit the IA website.
Execution only (invest without an adviser)
If you would like to invest without using the services of adviser, and you feel that you fully understand the risks involved, you can use an ‘execution only’ company such as Chelsea Financial Services, Hargreaves Lansdown and Elson Associates plc.
Please note that the websites listed above are no relation to Rathbone Unit Trust Management and we can take no responsibility for their opinions or advice.
Choose a suitable fund
Do you want income, capital growth or a combination of both from your investment? Do you prefer a riskier investment with greater potential for growth, or a less volatile investment with slower, steadier growth?
Decide how much to invest, and when
How much you invest is a very personal decision which must consider a number of things. Do you want a tax-free investment, or will you want fast access to your invested funds? You may favour a riskier approach to investing, but how much can you afford to lose?
Visit our fund pages to access useful reports and help you decide.
To invest in our funds either:
- Contact our dealing and valuations line on 0330 123 3810 between 9.00am and 5.00pm Monday to Friday, or visit our page below on distribution partners for one of the many fund platforms and life companies our funds are available through.
- Invest in our funds by post. Download an application form from the relevant tab below.
For your convenience, we have listed some of our distribution partners below where you can find our fund range:
- 7IM
- Aegon
- AllFunds
- EMBARK
- Ascentric
- Aviva
- FundsNetwork
- Hargreaves Lansdown
- James Hay
- Novia
- Nucleus
- Old Mutual Wealth Platform
- Pershings
- Standard Life Elevate
- Standard Life Wrap
- Transact
Note: Rathbones does not endorse or recommend any of the companies above. Please observe each site's privacy and cookie policies as well as their platform charges structure.
Please read the important information carefully before applying.
Essential supporting information
- Key investor information documents (KIID)**
- Single Strategy supplementary information document (SID)
Application forms*
Single Strategy application form
Prospectus
- Prospectus (Unit Trusts)
- Prospectus (Rathbone Strategic Bond Fund only)
- Prospectus (Rathbone High Quality Bond Fund only)
- Prospectus (Rathbone Global Sustainability Bond Fund only)
- Prospectus (Rathbone Heritage Fund only)
* You must read the appropriate key investor information document (KII) and the supplementary information document.
** Please make sure you have read the supplementary information document.
How do I pay for my investments?
Can we ask that ideally all payments for investments are made by electronic bank transfer (with the exception of ISA payments). The details on how to do this can be found on our application forms. However if by exception you need to send a cheque to us this must be sent to the address below please.
Just to remind you, our London office is currently closed during the Coronavirus crisis and is therefore we ask that mail is not sent there please.
Where do I send completed application forms?
Please send all completed application forms to:
Rathbone Unit Trust Management Limited
PO Box 9948
Chelmsford
CM99 2AG
Please read the important information carefully before applying.
Essential supporting information
Multi-Asset application forms*
Prospectus
* You must read with the appropriate key investor information document (KII) and the supplementary information document.
** Please make sure you have read the supplementary information document.
Different investment limits and charges apply for ‘R’ class and ‘S’ class investments - please see the supplementary information document for more information.
How do I pay for my investments?
Can we ask that ideally all payments for investments are made by electronic bank transfer (with the exception of ISA payments). The details on how to do this can be found on our application forms. However if by exception you need to send a cheque to us this must be sent to the address below please.
Just to remind you, our London office is currently closed during the Coronavirus crisis and is therefore we ask that mail is not sent there please.
Where do I send completed application forms?
Please send all completed application forms to:
Rathbone Unit Trust Management Limited
PO Box 9948
Chelmsford
CM99 2AG
Please read the important information carefully before applying.
Essential supporting information
- Key investor information document (KIID)**
- Rathbone Greenbank Multi-Asset Portfolios - supplementary information document (SID)
Greenbank Multi-Asset application form*
Prospectus
* You must read with the appropriate key investor information document (KIID) and the supplementary information document.
** Please make sure you have read the supplementary information document.
How do I pay for my investments?
Can we ask that ideally all payments for investments are made by electronic bank transfer (with the exception of ISA payments). The details on how to do this can be found on our application forms. However if by exception you need to send a cheque to us this must be sent to the address below please.
Just to remind you, our London office is currently closed during the Coronavirus crisis and is therefore we ask that mail is not sent there please.
Where do I send completed application forms?
Please send all completed application forms to:
Rathbone Unit Trust Management Limited
PO Box 9948
Chelmsford
CM99 2AG
What is an Individual Savings Account (ISA)?
An ISA is a 'wrapper' in which you can put different types of investments (components) without having to pay tax on the investment growth or interest produced in the case of the Rathbone Ethical Bond Fund. You can hold up to three types of investment within an ISA: stocks and shares (including unit trusts), cash and life insurance.
What is an ISA?
When you invest in our ISA, your money will buy units in one or more of our unit trusts. The monies are then invested in accordance with the fund's investment objectives.
The aim of our ISA (Individual Savings Account) is to generate income and/or capital growth within a tax-efficient environment.
We do not offer a cash or life insurance ISA. To find out information about what types of ISA are available please read the supplementary information document for the appropriate product range and investment: Single Strategy Funds, or Multi-Asset Portfolios. For information on charges please read the key investor information document appropriate to your investment.
Charities, Pensions, ISAs and non-taxpayers can reclaim 20% tax on interest distributions within the Rathbone Ethical Bond Fund.
Subscriptions and eligibility
The ISA tax year runs from 6 April to 5 April the following year. In the current tax year 2022/2023 (from 6th April 2022) your allowance remains frozen at £20,000. Please download the appropriate forms and information below.
Document(s) to download for tax year 2022/2023:
Essential supporting information
- Key investor information documents (KIID)**
- Multi-Asset supplementary information document (SID)
- Single Strategy supplementary information document (SID)
- Rathbone Greenbank Multi-Asset Portfolios - supplementary information document (SID)
ISA Application forms (tax year 2022/23)*
Single strategy ISA application forms
Multi-Asset ISA application form
Greenbank Multi-Asset ISA application form
Prospectus
- Prospectus (Unit Trusts)
- Prospectus (Rathbone Strategic Bond Fund only)
- Prospectus (Rathbone Multi-Asset Funds)
* You must read with the appropriate key investor information document (KIID) and the supplementary information document.
** Please make sure you have read the supplementary information document.
Different investment limits and charges apply for ‘R’ class, and ‘I’ class investments - please see the supplementary information document for more information.
Please send all completed application forms to:
Rathbone Unit Trust Management Limited
PO Box 9948
Chelmsford
CM99 2AG
We have an ISA wrapper for each of the following unit trusts and multi-asset portfolios:
