What kind of investor are you?
You don’t need to be an expert to invest. Choose your investment style and we’ll do the rest.
Get started with Ready-Made Investments
Our experts select and manage the investments within each fund, so you don’t need to research or choose them yourself.
As easy as 1, 2, 3
- Choose our Cautious, Balanced or Adventurous fund.
- Pick either an Investment ISA or Investment Account.
- Start from as little as £50 a month.
Sit back, we'll manage it from here. You'll pay a £3-a-month account fee.
If you want the details, our Ready-Made Investments page explains it all. You must be a Lloyds online banking user to apply, which means you'll need an account with us.
Why choose Lloyds?
Award-winning value for money and one of the lowest ongoing fund charges at 0.1%.
1. Pick from our 3 funds
Choose the investing style that feels right for you. Which describes you best?
Adventurous fund
You’re prepared to risk more ups and downs for a higher potential return.
Balanced fund
You’re comfortable taking some risk for the potential of greater returns.
Cautious fund
You prefer a steadier approach and are comfortable accepting lower potential returns for less risk.
Our funds’ past performance
The data in the below table and performance chart refer to the past, and past performance is not a reliable indicator of future results. The performance data includes the ongoing charge and all transaction costs within the fund, but does not include the £36 account fee.
The above graph shows the % change of the funds since launch. This is to help you understand how the funds have performed over the longer term.
Remember that the data in the above performance graph and the below table refers to the past. Past performance is not a reliable indicator of future results.
The Last Available Price for each fund is shown below the graph and this is usually the price from the previous trading day. If you decide to invest in one of our funds, your trade will be sent to the Fund Manager and you’ll get the price given on the next available valuation point for this fund, which could be higher or lower than the price shown above.
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Remember that the data in this table refers to the past. Past performance is not a reliable indicator of future results.
Date
Cautious
Balanced
Adventurous
Date
30th June 2025 - 30th June 2026
Cautious
9.8%
Balanced
16.7%
Adventurous
26.4%
Date
30th June 2024 - 30th June 2025
Cautious
5.8%
Balanced
6.4%
Adventurous
6.9%
Date
30th June 2023 - 30th June 2024
Cautious
10.2%
Balanced
12.7%
Adventurous
15.2%
Date
30th June 2022 - 30th June 2023
Cautious
-1.0%
Balanced
2.6%
Adventurous
5.3%
Date
30th June 2021 - 30th June 2022
Cautious
-8.6%
Balanced
-5.5%
Adventurous
-3.7%
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There is a flat-rate service fee of £3 a month.
Ongoing charge and transaction costs are calculated on an ongoing basis and built into the value of the fund.
What are the charges?
- Cautious - £3 monthly account fee + 0.24% (0.10% ongoing charge + 0.14% transaction cost).
- Balanced - £3 monthly account fee + 0.27% (0.10% ongoing charge + 0.17% transaction cost).
- Adventurous - £3 monthly account fee + 0.29% (0.10% ongoing charge + 0.19% transaction cost).
If your investment was worth
Cautious
Balanced
Adventurous
If your investment was worth
£1,000
Cautious
£38.40
Balanced
£38.70
Adventurous
£38.90
If your investment was worth
£5,000
Cautious
£48.00
Balanced
£49.50
Adventurous
£50.50
If your investment was worth
£10,000
Cautious
£60.00
Balanced
£63.00
Adventurous
£65.00
If your investment was worth
£20,000
Cautious
£84.00
Balanced
£90.00
Adventurous
£94.00
2. Choose your account type
Our £3-a-month account fee covers both our Investment Account and ISA.
How much tax you'll pay depends on your individual circumstances and may change in the future.
3. Add money
Fund your account with flexibility.
A little or a lot
You can start from as little as £50 a month or a £500 lump sum. Then top up on an ad-hoc basis or set up a regular monthly payment to keep building up your fund.
Our account fee is changing
We’re moving to a percentage based fee from 10 December 2026. Our terms and conditions and key features documents will be updating from this date.
Ready to apply?
You've chosen your fund. Now open your Ready-Made Investments account in minutes. You need to be aged 18 or over and a UK resident to apply. You also need a Lloyds account to use our app or online banking.
Prefer to make your own investment choices?
If you want more choice or control, our pick-your-own investment options may be for you.
Important legal information