Demo rate card0.45% total annual charge; growth not guaranteed, illustrated at 2%, 5%, 8%
The pound values and percentages on this page are invented AcornBank product terms, chosen for a realistic bank-style example. They are not current market offers, an invitation to deposit or invest money or a forecast of what a real bank will pay.
| Product detail | Demo terms |
|---|---|
| Account type | General investment account |
| Rate, reward or charge | 0.45% total annual charge; growth not guaranteed, illustrated at 2%, 5%, 8% |
| Opening / maximum balance | £100.00 to £1,000,000.00 |
| Access | Sell holdings at any time; story proceeds arrive within four working days; the value can fall as well as rise |
| Eligibility in the scenario | An adult story customer investing for at least five years and able to accept falls in value |
| Fees | 0.45% of the value each year |
| Growth scenarios | 2%, 5%, 8% a year after charges; the value can also fall |
| Currency | GBP (£), used solely for fictional calculations |
Try your own numbers
Change the amounts to see what Canopy Investment Account would do in the story. Fictional figures, no application, no advice.
- Low scenario (2%)
- £37,623.45
- High scenario (8%)
- £56,116.25
- Could it be less than paid in?
- YesInvestments can fall in value; the scenarios are illustrations, not forecasts.
Canopy Investment Account in charts
The same fictional model as the tables below, drawn rather than written. Hover or focus a mark for its value, or open the table view.
- Low growth 2%
- Mid growth 5%
- High growth 8%
- Paid in
Three illustrative growth scenarios; investments can fall in value and end below the amount paid in.
View as a table
| Point | Low growth 2% | Mid growth 5% | High growth 8% | Paid in |
|---|---|---|---|---|
| Start | £10,000 | £10,000 | £10,000 | £10,000 |
| Y1 | £12,575 | £12,914 | £13,252 | £12,400 |
| Y2 | £15,190 | £15,960 | £16,750 | £14,800 |
| Y3 | £17,846 | £19,145 | £20,511 | £17,200 |
| Y4 | £20,542 | £22,475 | £24,557 | £19,600 |
| Y5 | £23,281 | £25,956 | £28,908 | £22,000 |
| Y6 | £26,062 | £29,596 | £33,588 | £24,400 |
| Y7 | £28,886 | £33,401 | £38,621 | £26,800 |
| Y8 | £31,754 | £37,380 | £44,034 | £29,200 |
| Y9 | £34,666 | £41,539 | £49,855 | £31,600 |
| Y10 | £37,623 | £45,888 | £56,116 | £34,000 |
| Y11 | £40,627 | £50,435 | £62,850 | £36,400 |
| Y12 | £43,677 | £55,188 | £70,092 | £38,800 |
| Y13 | £46,774 | £60,158 | £77,881 | £41,200 |
| Y14 | £49,919 | £65,354 | £86,258 | £43,600 |
| Y15 | £53,113 | £70,786 | £95,268 | £46,000 |
| Y16 | £56,356 | £76,466 | £104,958 | £48,400 |
| Y17 | £59,650 | £82,404 | £115,379 | £50,800 |
| Y18 | £62,994 | £88,612 | £126,587 | £53,200 |
| Y19 | £66,391 | £95,103 | £138,642 | £55,600 |
| Y20 | £69,840 | £101,889 | £151,606 | £58,000 |
Charges are modelled as a deduction from the growth rate, the usual illustration shortcut.
View as a table
| Category | Value |
|---|---|
| 0.45% (this product) | £101,889 |
| 1.00% (dearer platform) | £94,918 |
Projected value of £10,000.00 plus £200.00 a month
| Period | Total paid in | Low growth 2% | Mid growth 5% | High growth 8% |
|---|---|---|---|---|
| 5 years | £22,000.00 | £23,280.89 | £25,956.20 | £28,908.08 |
| 10 years | £34,000.00 | £37,623.45 | £45,888.15 | £56,116.25 |
| 20 years | £58,000.00 | £69,839.87 | £101,888.58 | £151,606.31 |
Projection assumptions: the lump sum is invested on day one and each monthly amount at the start of the month; growth is applied monthly after a 0.45% annual charge, which the model deducts from the growth rate; no withdrawals, no inflation and no tax inside the wrapper. The three growth rates are illustrations, not forecasts. Investments can fall as well as rise, and the value can drop below the amount paid in.
What charges cost over 20 years at 5% growth
| Annual charge | Value after 20 years | Difference |
|---|---|---|
| 0.45% (this product) | £101,888.58 | £0.00 |
| 1.00% (a dearer fictional platform) | £94,917.80 | £-6,970.78 |
Canopy Investment Account is general investment account in the Investments range, used for long-term growth outside a tax wrapper. Its live rate card, summary and worked tables sit above this text and update whenever the product record changes.
Follow the numbers, not just the headline
The tables show the opening amount, time period and result for this product type. Savings figures are before tax unless the wrapper is tax-free; investment figures are scenarios, not forecasts; borrowing figures separate payments, interest and outstanding balance. A displayed result is conditional on its assumptions, not a guarantee. Keep unrelated examples separate rather than adding their balances together.
The fictional fund
Every investment product in the story holds one made-up fund, the AcornBank Woodland Balanced Fund, which owns imaginary shares in imaginary trees. It has no factsheet, no past performance and no manager, which is at least consistent. Real investing involves real risk and real research; this page involves neither.
See the whole Investments range or compare every product on the rates page.
What the example does not promise
All figures are invented and shown to make the demo useful to read and crawl. No money is held, no application is available, and no deposit-protection, regulatory or tax-wrapper status is claimed. Calculations do not account for personal tax, inflation or unstated changes in rates. The fictional bank manager can guarantee only that the next paragraph contains no real acorns.
Related reading
- This Is a Fictional Bank — No Real Banking Here
- Site Map — Every Branch of AcornBank
- Rates — Savings, Borrowing and Rewards
- Help — Unruffle Your Tail
- Investments — Longer Afternoons, Later Acorns
- Canopy Investment Account — How Much Fits in a Hollow?
- Canopy Investment Account — Compare the Canopy
AcornBank: entirely fictional banking, exceptionally committed squirrels.