Professionally managed
mutual funds

Mutual funds are an investment that pools your money together with money from many other investors. Fund managers then invest the money in a wide range of investments, depending on the mutual fund’s objective, investment strategy, and policy.

Funds are popular with investors as they offer easy access to a ready-made investment portfolio, run by an expert in their field (the fund manager). This takes away much of the pressure of choosing and managing your own individual investments, while providing diversification benefits to your portfolio.

Actively managed mutual funds are run by a fund manager and a team of analysts. They choose the fund’s investments, making changes as needed to keep the fund performing as well as possible. These funds aim to outperform broader markets and other competing funds, although there are no guarantees.

Passively managed mutual funds, also known as 'tracker funds', take a different approach. Rather than trying to do better than the market, they track an index representing it, so their performance is tied to the ups and downs of the market they're following. Both types have their advantages. With no active manager or analysts to pay for, passive funds usually have lower fees, but there’s also little potential for outperforming the market.

Mutual Funds are available with our Plus and Premium plans. We don’t charge commission for individual deals in mutual funds, as with all investments available through our app.

The mutual funds themselves usually have their own management fees, and you can find details about these in the key information document (KID) or the key investor information document (KIID). Links to these can be found when viewing a particular mutual fund, and again on the order review screen. The fund manager will deduct these fees from the assets within the fund, and you can find details of these fees in the ‘Annual Cost Disclosure’, provided to you after each tax year. In rare cases, mutual funds also have an entry fee, exit fee or performance fee. You can find full details of these charges in the KID or KIID.

UK stamp duty and PTM levy don’t apply to mutual funds.

• First, find the mutual fund you want to invest in via the ‘Discover’ tab, then choose the mutual fund class, and make sure you’ve read the KID/KIID before continuing

• Tap the 'Buy' button

• Enter the amount you want to invest

• Tap the ‘Review order’ button and check you’re happy with your order details

• Tap ‘Place buy fund order’ when you’re ready

• You’ll then see an order confirmation screen, including details on how your order will be processed
  
  You can view the details and status of your order under the ‘Pending orders’ tab within your account. Once your order has been executed, we’ll send you a contract note with all the details.

Yes, CMC Markets Investments Limited (registration number 948126) is fully authorised and regulated by the Financial Conduct Authority (FCA) in the UK. Retail client money is held in segregated client bank accounts, and money held on behalf of clients is distributed across a range of major banks, which are regularly assessed against our risk criteria.

Yes, your eligible deposits with CMC Markets are protected up to a total of £120,000 by the Financial Services Compensations Scheme (FSCS), the UK's deposit guarantee scheme. If CMC Invest ever went into liquidation, retail clients would have their share of segregated money returned, minus the administrator's costs in handling and distributing these funds. Any shortfall of funds up to £120,000 may be compensated under the FSCS.

Under the FCA's client money rules, we're required to segregate client money from our own funds (unless you agree with us otherwise). The money held in segregated bank accounts does not belong to us and will be held in a way that enables it to be identified as client money. Learn more about client money regulations.

In the UK, you won’t need to pay capital gain tax (CGT) on any profits you make from selling investments, and dividend tax on income you receive from companies in your stocks & shares ISA and self-invested personal pension (SIPP). Any profits and dividend income to your general investment account is taxable and will be shown in your ‘Consolidated Tax Certificate’, provided to you following the end of each tax year. Tax treatment depends on your individual circumstances and may be subject to change in the future.

Visit our contact us page for details on how you can get in touch with us.