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Take your first step and start investing with Lloyds Bank from just £50 a month.
What is a Ready-Made Investment?
A Ready-Made Investment is a portfolio of funds built and managed by our experts. They can be great when you want to start investing, have limited time to research the market or aren’t sure which funds to pick. We do the hard work so you don’t have to.
If you’re new to investing, have a look at our investing for beginners guide, designed to help you get started.
What are the Benefits?
Choose the best account for you
Normally when investing, you pay tax on income or capital gains you earn. With an Investment ISA, any gains are free from capital gains-tax or any UK income tax, within your ISA allowance. With a General Investment Account, there’s no limit to the contributions you can make, whereas your annual ISA allowance is £20,000.
Benefits |
Investment ISA |
General Investment Account |
---|---|---|
BenefitsGains free from tax |
Investment ISA Yes (within ISA allowance) |
General Investment AccountNo |
BenefitsCurrent contribution limit per tax year |
Investment ISA £20,000 (subject to change) |
General Investment AccountNo limit |
BenefitsLifetime limit |
Investment ISA No limit |
General Investment AccountNo limit |
BenefitsWithdrawals at any time |
Investment ISA Yes |
General Investment AccountYes |
When taking out any investment, it’s important to know the level of risk you’re taking. Learn more about risks and how to understand them.
Medium risk
Managed Growth Fund 4
Our medium risk fund. Aimed at growing investments steadily, but there may be some more notable ups and downs.
Charges:
Account fee: £3 a month
Ongoing charge: 0.23%
Transaction costs: 0.10%
Key documents:
Managed Growth Fund 4 KIID (PDF, 107KB)
Factsheet (PDF, 138KB)
Medium-high risk
Managed Growth Fund 6
The highest risk fund in our ready-made investment portfolio. If you’re willing to accept a higher level of risk for the chance of greater returns – this could be right for you.
Charges:
Account fee: £3 a month
Ongoing charge: 0.22%
Transaction costs: 0.14%
Key documents:
Managed Growth Fund 6 KIID (PDF, 107KB)
Factsheet (PDF, 138KB)
Lower risk
Managed Growth Fund 2
Our lowest risk fund. Your investments could still go down as well as up, but are generally more stable.
Charges:
Account fee: £3 a month
Ongoing charge: 0.21%
Transaction costs: 0.05%
Key documents:
Managed Growth Fund 2 KIID (PDF, 108KB)
Factsheet (PDF, 138KB)
For more information about the three funds, you can read our fund range and investments guide (PDF, 2.0MB). It contains details of how the funds are managed, their objectives and risks, and a detailed breakdown of the charges.
Investments are sold at a minimum value of £10. All remaining sales proceeds, after the £3 fee has been paid, will be held as cash in your account and will be used to contribute to future monthly fees.
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.
If your investment was worth |
Cautious Managed Growth Fund 2
|
Balanced
(£3 monthly + 0.33%) |
Progressive
(£3 monthly + 0.36%) |
---|---|---|---|
If your investment was worth£1,000 |
CautiousManaged Growth Fund 2(£3 monthly + 0.26%)£38.60 |
BalancedManaged Growth Fund 4 (£3 monthly + 0.33%)£39.30 |
ProgressiveManaged Growth Fund 6 (£3 monthly + 0.36%)£39.60 |
If your investment was worth£5,000 |
CautiousManaged Growth Fund 2(£3 monthly + 0.26%)£49 |
BalancedManaged Growth Fund 4 (£3 monthly + 0.33%)£52.50 |
ProgressiveManaged Growth Fund 6 (£3 monthly + 0.36%)£54 |
If your investment was worth£10,000 |
CautiousManaged Growth Fund 2(£3 monthly + 0.26%)£62 |
BalancedManaged Growth Fund 4 (£3 monthly + 0.33%)£69 |
ProgressiveManaged Growth Fund 6 (£3 monthly + 0.36%)£72 |
If your investment was worth£20,000 |
CautiousManaged Growth Fund 2(£3 monthly + 0.26%)£88 |
BalancedManaged Growth Fund 4 (£3 monthly + 0.33%)£102 |
ProgressiveManaged Growth Fund 6 (£3 monthly + 0.36%)£108 |
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.
Source of data: FE Fundinfo
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 refer to the past, and 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 will 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 |
Managed Growth Fund 2 Cautious |
Managed Growth Fund 4 Balanced |
Managed Growth Fund 6 Progressive |
---|---|---|---|
Date31st Dec 2021 – 31st Dec 2022 |
Managed Growth Fund 2Cautious-12.3% |
Managed Growth Fund 4Balanced-8.9% |
Managed Growth Fund 6Progressive-7.0% |
Date31st Dec 2020 – 31st Dec 2021 |
Managed Growth Fund 2Cautious3.5% |
Managed Growth Fund 4Balanced8.2% |
Managed Growth Fund 6Progressive12.5% |
Date31st Dec 2019 – 31st Dec 2020 |
Managed Growth Fund 2Cautious4.0% |
Managed Growth Fund 4Balanced2.3% |
Managed Growth Fund 6Progressive1.9% |
|
|
---|---|
31st Dec 2018 – 31st Dec 2019 |
Our funds weren’t launched until 16th September 2019. |
31st Dec 2017 – 31st Dec 2018 |
Our funds weren’t launched until 16th September 2019. |
Ready-Made Investment FAQs
An investment portfolio, is a collection of different financial assets, like stocks, funds, bonds and property. It is designed to help achieve financial goals by diversifying investments and managing risk. We offer a choice of three Ready-Made Investments which invest in a portfolio of stocks, bonds and property and are customised based on your risk tolerance.
Investments are a long-term strategy (5+ years) You can make a one-off withdrawal from your Ready-Made Investments ISA or Ready-Made Investments GIA at any time. Withdrawals will be paid to the nominated bank or building society account as soon as reasonably possible after all required checks and information have been received – up to 5 working days.
Investments with Lloyds Bank Direct Investments are protected up to a total of £85,000 by the Financial Services Compensation Scheme. This limit is applied to the aggregated total of any stock or cash held across the following brands which we administer.
This is in addition to any other savings deposits you may hold across Lloyds Banking Group.
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.