Referral disclosure: This is my InvestEngine referral link. If you join through it and meet the offer conditions, you and I may each receive an investment bonus. This is my experience, not personal financial advice. Your capital is at risk.
My £100 monthly ETF investment
I invest £100 each month in an ETF using InvestEngine. I began with £100 and decided to keep contributing monthly while I learn how the platform and the investment work in practice. I have not named the ETF here for you to copy, and regular contributions do not guarantee a return.
Why do I invest £100 each month?
It gives me a practical way to learn and add to my investments over time. My aim is to watch what happens, including the inevitable ups and downs, rather than expect a quick profit. The value of all my contributions may rise or fall, and I could get back less than I put in.
What is an ETF?
An exchange-traded fund, or ETF, is a fund that holds a basket of investments and can be bought and sold on a stock exchange. Some track a broad share index; others focus on a region, sector, bonds or commodities. What you actually own, how widely diversified it is and the level of risk depend on the particular ETF.
Buying one ETF can spread money across many holdings, but diversification does not remove the risk of losses. It is worth reading the ETF's factsheet, charges and key risks before choosing one.
How does InvestEngine work, and what does it cost?
InvestEngine is a UK platform built around ETFs. You can select your own investments in a DIY portfolio or use a managed portfolio. Its published costs say DIY portfolios have no InvestEngine management fee, while managed portfolios cost 0.25% a year. The ETFs have their own ongoing charges, and market spreads apply when buying and selling. Fees can change.
InvestEngine says fractional investing allows as little as £1 into an individual ETF. The minimum to open and fund a portfolio, and the minimum needed for a referral reward, can be different; check the current account and offer details before signing up.
How does my InvestEngine referral link work?
If you are a new customer, you can open InvestEngine using my referral link. Under the referral terms published on 28 September 2026, the new customer must follow the link, register and invest at least £100. The person referring them must already have invested at least £100 of their own money and must also have at least £100 funded when the reward is claimed.
For an eligible personal account referral, InvestEngine's terms describe a randomly generated £20 to £200 investment bonus for each person. The amount is not guaranteed in advance, and most awards are near the lower end of that range. Both people must remain invested for at least 12 months from receiving the bonus, maintaining a minimum net funding of £100 plus the bonus amount, or the reward may be reclaimed. The programme also limits reward eligibility to the referrer's first 25 accepted referrals.
InvestEngine's promotional pages are not all worded alike, so the linked terms and the offer shown during registration are the place to check the latest eligibility and reward amount. I may receive a bonus if your referral qualifies; this does not change the risk to your invested money.
Check the current offer and full termsExplore InvestEngineWhat happens as I keep investing?
I plan to follow the value of my investments and share what I learn from using the platform. Any future update should show how much I have contributed in total, the actual portfolio value at the time and any referral bonus separately. That way, adding another £100 is not mistaken for an investment gain.
A final note on risk
This is a record of my own decision and an explanation of how the service works. It is not a recommendation to buy a particular ETF or use a particular account. Investments can rise and fall, and past performance does not predict future returns. Consider your own circumstances and, if you are unsure, seek regulated financial advice.
Platform costs and offer conditions checked against InvestEngine's costs page and referral terms on 28 September 2026. Terms may change after publication.