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Ready-made Investments

With interest rates remaining at all time lows, you might be looking at investing for the potential to achieve a bigger return from your savings.

With a ready-made investment from Lloyds Bank e-Investments, you can let our fund managers do the hard work to decide where your money is invested.

Our investments give you access to a wide range of sectors and markets without you having to pick all of your own stocks and shares. Simply choose between one (or more) of the three funds we offer – low, medium or higher risk – and we’ll do the rest.

  • Choice – choose between our three funds: lower, medium or higher risk. You can choose to hold them in either an Investment ISA (up to £20,000 per tax year) or an Investment Account.
  • Diversified – automatically invest in a wide range of markets, including shares, bonds, property and more.
  • Flexible – invest from £100 per month, or with a minimum lump sum of £2,000.

Whilst there is no tie in period, our ready-made investments have been designed for you to hold for the medium to long term to help smooth out the ups and downs of the financial markets – that’s usually at least 5 years. Please remember that the value of all investments can fall as well as rise, and you may get back less than you invest. If you’re not sure about investing, seek independent advice.

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Compare our funds

Managed Growth Fund 2 Managed Growth Fund 4 Managed Growth Fund 6
Risk level Low Medium High
Asset types Donut graph Donut graph Donut graph
Shares 25% 49% 75%
Bond & Gilts 60.5% 36.5% 15%
Property 8.5% 8.5% 5%
Other 6% 6% 5%
Key documents View the KIID (PDF) View the KIID (PDF) View the KIID (PDF)

If you want more information about the three funds, read Our Fund Range and Investments. This document contains details of how the funds are managed, their objectives and risks, and a detailed breakdown of the charges.

Low-cost charges

We calculate our charges based on the value of your total investment and they are paid every year. They vary depending on the fund but the maximum values are:

  • a service fee of 0.24%
  • a maximum Ongoing Charge of 0.29%
  • and transaction costs which vary depending on the fund but are not greater than 0.21%.

For example, if you invested in Managed Growth Fund 2, you would pay £7.10 in charges for every £1,000 you invested.

Apply for a ready-made investment

To apply for a ready-made investment, you’ll need to be:

  • An existing Internet Banking customer.
  • A UK resident or a crown employee serving overseas (or spouse / civil partner of).
  • Using a tablet, laptop or desktop as some parts of our application are incompatible with mobile devices.

Find out more and apply

View our full range of investments