Top up your investments

Give your money the most chance to grow by regularly topping up your investment. You can make a lump sum payment at any time or set up a regular Direct Debit.

Top up now

Max your ISA allowance

It makes sense to max out your annual allowance as investments held in an ISA grow free of tax on income or profits. You’ve £20,000 each tax year.

Open a Ready-Made Investment ISA

Transfer an existing ISA

Transfer in old ISAs to your Ready-Made Investment ISA without losing their tax-free status. Simply fill out our ISA transfer form and we do the rest.

Transfer to us

See your fund performance

Stay in-the-know with how your fund’s performing. Remember investing is for the long-term and short-term volatility is to be expected. 

 

The above graph shows the percentage change of the funds since launch. This is to help you understand how the funds have performed over the longer term.

Please 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.

Date

Cautious

Balanced

Adventurous

Date

31st Dec 2023 – 31st Dec 2024

Cautious

5.9%

Balanced

9.4%

Adventurous

12.6%    

Date

31st Dec 2022 – 31st Dec 2023

Cautious

8.6%

Balanced

9.9%

Adventurous

11.0%

Date

31st Dec 2021 – 31st Dec 2022

Cautious

-12.3%

Balanced

-8.9%

Adventurous

-7.0%

Date

31st Dec 2020 – 31st Dec 2021

Cautious

3.5%

Balanced

8.2%

Adventurous

12.5%

Date

31st Dec 2019 – 31st Dec 2020

Cautious

4.0%

Balanced

2.3%

Adventurous

1.9%

Understand the market

Knowing why the market fluctuates can help you set realistic expectations for your investments and better equip you to reach your long-term goals. 

Learn about resilient investing

Know your fees and charges

It helps to understand what you’re being charged. You pay a monthly account fee, an ongoing portfolio management charge, and transaction charges when you buy and sell investments.  

  • If your investment was worth

    Cautious

    £3 monthly + 0.21%
    (0.1% ongoing charge + 0.11% transaction cost)

    Balanced

    £3 monthly + 0.22%
    (0.1% ongoing charge + 0.12% transaction cost)

    Adventurous

    £3 monthly + 0.22%
    (0.1% ongoing charge + 0.12% transaction cost)

    If your investment was worth

    £1,000

    Cautious£3 monthly + 0.21%(0.1% ongoing charge + 0.11% transaction cost)

    £38.10

    Balanced£3 monthly + 0.22%(0.1% ongoing charge + 0.12% transaction cost)

    £38.20

    Adventurous£3 monthly + 0.22%(0.1% ongoing charge + 0.12% transaction cost)

    £38.20

    If your investment was worth

    £5,000

    Cautious£3 monthly + 0.21%(0.1% ongoing charge + 0.11% transaction cost)

    £46.50

    Balanced£3 monthly + 0.22%(0.1% ongoing charge + 0.12% transaction cost)

    £47.00

    Adventurous£3 monthly + 0.22%(0.1% ongoing charge + 0.12% transaction cost)

    £47.00

    If your investment was worth

    £10,000

    Cautious£3 monthly + 0.21%(0.1% ongoing charge + 0.11% transaction cost)

    £57.00

    Balanced£3 monthly + 0.22%(0.1% ongoing charge + 0.12% transaction cost)

    £58.00

    Adventurous£3 monthly + 0.22%(0.1% ongoing charge + 0.12% transaction cost)

    £58.00

    If your investment was worth

    £20,000

    Cautious£3 monthly + 0.21%(0.1% ongoing charge + 0.11% transaction cost)

    £78.00

    Balanced£3 monthly + 0.22%(0.1% ongoing charge + 0.12% transaction cost)

    £80.00

    Adventurous£3 monthly + 0.22%(0.1% ongoing charge + 0.12% transaction cost)

    £80.00

  • Yes, the monthly account fee is charged on all open accounts, no matter the value. It’s possible to go into a negative balance if you’re not funding your account. If you’re only able to fund a low amount, you may want to consider a different product.


Help and guidance

Making a withdrawal

You can make withdrawals at any time but taking money out means you’ll miss out on any future improvements in asset performance.

  • When you request to withdraw, you’re placing an instruction to sell your investments, so you won’t receive your money immediately. Once you’ve made the request, we’ll arrange for the specified amount to be sold (at the price at the time of sale) and pay the proceeds to you, at the earliest practicable time. Transaction fees will apply, but we don’t add any further charges.

  • You can close your account at any time. Like with a withdrawal, when you request to close your account, you are placing an instruction to sell all your remaining investments (at the price at time of sale).

Changing the level of risk

Our three funds – Cautious, Balanced, and Adventurous – each target a different level of risk and return over the long-term. 

How to top up your Ready-Made Investment

Lloyds Bank QR code image

Mobile Banking app

  1. Open the Mobile Banking app.
  2. View your Investment ISA or Investment Account.
  3. Select ‘Top up ISA’ or ‘Account’.
Top up here

Internet Banking

  1. Open the Mobile Banking app or use Internet Banking.
  2. View your Investment ISA or Investment Account.
  3. Select 'Set up a Direct Debit’.

You cannot make changes to an existing Direct Debit. Please cancel this and issue a new Direct Debit for the correct amount.

Please remember that the value of investments and the income from them can fall as well as rise, and you may get back less than you invest. If you’re not sure about investing, seek financial advice. There will normally be a charge for that advice. Tax treatment depends on individual circumstances and may be subject to change in the future.

Protecting your money



The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.

More about the FSCS



Protecting your money

The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.

More about the FSCS

For customers who opened an account before 20 February 2023 (accounts beginning with IL) 

You can review your account by logging on or view your charges on our E-Investments page.

Important legal information

Ready-Made Investments is provided by Embark Investment Services Limited, a company incorporated in England and Wales (company number 09955930) with its registered office at 33 Old Broad Street, London, EC2N 1HZ. Embark Investment Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number 737356).

The Lloyds Bank Direct Investments Service is operated by Halifax Share Dealing Limited. Registered Office: Trinity Road, Halifax, West Yorkshire, HX1 2RG. Registered in England and Wales no. 3195646. Halifax Share Dealing Limited is authorised and regulated by the Financial Conduct Authority under registration number 183332. A Member of the London Stock Exchange and an HM Revenue & Customs Approved ISA Manager.

Important share dealing information