
Ready-Made Investments
Decide how much to invest, choose your risk level, and see if our expert support could help make your money work harder.
How inflation may affect your savings
If your returns are lower than the inflation rate, your money may be worth less in the future.

How Ready-Made Investments work
- You pick your risk level – Decide what option is right for you.
- Choose how much to invest – Minimum deposit of £50, or a £500 lump sum.
- Review your account – Matched to your chosen risk and managed by us.
- Track your performance – Adjust, track and top up using Internet Banking or our app, just like with your everyday banking.
Our investment accounts
Get started on your Ready-Made Investment journey
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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
What about the risks?
Investing and understanding risk comes hand in hand. But don’t let that word put you off. Learn what we mean by risk, the different types and how you can spread it by reading the article ‘Understanding risk’.
What is your risk level?
For more information about the three funds, you can read Our fund range and investments (PDF, 2.0MB) guide. 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.
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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.If your investment was worth
Progressive
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
ProgressiveManaged 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
ProgressiveManaged 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
ProgressiveManaged 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
ProgressiveManaged 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
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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 |
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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% |
|
|
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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. |
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.

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.