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Ready-Made Investments

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?

  • Flexible ways to invest
    Decide how much to invest, starting from £50 a month or £500 as a lump sum, and choose a risk level you feel happy with.
  • Easy and hassle free
    Apply and manage online using the Lloyds Bank Mobile Banking app or Internet Banking.
  • Managed by experts
    Our funds are ready-made by experts, so you don’t have to do anything.

 

Mobile banking app

Please remember that the value of investments and 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 personal circumstances and may be subject to change in the future.

How does it work?

Getting started on your Ready-Made Investment journey is easy.

  • Pick your risk level
    You can pick from 3 options to best suit you – cautious, balanced or progressive. And you can change this in the future if your circumstances or view of risk changes
  • Choose an investment account
    Open an Investment ISA or an Investment Account
  • Decide how much to invest 
    Starting from £50 a month or £500 as a lump sum
  • Track your performance
    Track and top up your ready-made portfolio using Internet Banking or our app. Just like your everyday banking

What’s stopping you?

Discover a hassle-free way to invest from just £50 a month with our Ready-Made

Investments. Don’t let complexity hold you back, we are here to help simplify

the language around investing with renowned language expert Susie Dent.

Ready-Made Investments Video

 Choose the best account for you

Investment ISA

Investment ISA

An Investment ISA is a tax-efficient way to start investing. You can contribute up to £20,000 across ISAs per tax year.

You won’t have to pay capital gains tax on any profits or income on your investments.

General Investment Account

General Investment Account

An account for your investments without any tax benefits.

This account may be suitable if you’ve already used your ISA allowance for the current tax year. There’s no contribution limit with the General Investment Account.

  • 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

    Benefits

    Gains free from tax

    Investment ISA

    Yes (within ISA allowance)

    General Investment Account

    No

    Benefits

    Current contribution limit per tax year

    Investment ISA

    £20,000 (subject to change)

    General Investment Account

    No limit

    Benefits

    Lifetime limit

    Investment ISA

    No limit

    General Investment Account

    No limit

    Benefits

    Withdrawals at any time

    Investment ISA

    Yes

    General Investment Account

    Yes

Risks Levels

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)

    two men sat on a cliffe talking

  •  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)

    Man driving his car with hand on the wheel

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)

Father and daughter in a boat

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


    (£3 monthly + 0.26%)

    Balanced
    Managed Growth Fund 4

     

    (£3 monthly + 0.33%)

    Progressive
    Managed Growth Fund 6

     

    (£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

Things to consider

  • Costs and Fees
    Ready-Made Investment portfolios have a flat account fee of £3 a month, an ongoing charge and a transaction cost that depends on your chosen portfolio. See charges.
  • Financial Goals and Risk Tolerance
    While investing, it’s essential to be prepared for market fluctuations and understanding that selling as soon as the market goes down may not always be the best course of action.
  • Financial Goals
    Are you investing for long-term growth, short-term gains or both? Investing is a long term-strategy (5+ years).

Lloyds Ready-Made Investments are provided by Embark Investments Services Limited (‘Embark’) and invest in assets managed by Scottish Widows Unit Trust Managers Limited. If you choose to invest, we will share your details with Embark. This is to help us during the application process.

Can I apply?

To apply for a Ready-Made Investment, you’ll need to be:

  • An existing Online Banking customer
  • At least 18 years old
  • You must live in the UK
  • You must not be a US citizen
  • If you are applying for an Investment ISA, you must not have subscribed to another Stocks and Shares ISA this tax year, and not have exceeded the over £20,000 ISA limit

Want to start investing but are not a Lloyds Bank Customer? Have a look at our accounts.

Terms and Conditions (PDF, 282KB)

How do I apply?

Apply via the Mobile Banking App

  • Log on to your account via the Mobile Banking app.
  • Select ‘Apply’ in the bottom navigation bar.
  • Select ‘Savings and Investments’.
  • Select the ‘Ready-Made Investments’ tab to apply.
     


Apply via Internet Banking

Log on to Internet Banking to apply.

 

Log on to apply

For customers who opened an account before 20th February 2023 (accounts beginning with IL) you can review your account by Logging on or view your charges on our E-Investments page.

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.

 

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

Date

31st Dec 2021 – 31st Dec 2022

Managed Growth Fund 2Cautious

-12.3%

Managed Growth Fund 4Balanced

-8.9%

Managed Growth Fund 6Progressive

-7.0%

Date

31st Dec 2020 – 31st Dec 2021

Managed Growth Fund 2Cautious

3.5%

Managed Growth Fund 4Balanced

8.2%

Managed Growth Fund 6Progressive

12.5%

Date

31st Dec 2019 – 31st Dec 2020

Managed Growth Fund 2Cautious

4.0%

Managed Growth Fund 4Balanced

2.3%

Managed Growth Fund 6Progressive

1.9%

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.

     

More investment options

Share Dealing ISA

Share Dealing Account

Compare ways to invest

New to investing?

Investing for beginners

How to get started

Boost your skills

Help and guidance

Already invest with us?

Managing your ISA

Tax change

Trading support

FSCS protected logo

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.

Important legal information

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