What kind of investor are you?
You don't need to be an expert to invest. Choose your investment style and we'll do the rest.
Apply onlineWhy choose Ready-Made Investments?
Investing made easy
Explore our current accounts
Ready-Made Investment accounts are for existing Lloyds current account customers. It's easy to become a customer.
Investing for longer increases the likelihood of positive returns. Over a period of 5 years or more, investments usually give you a higher return compared to cash savings. But investments can go down as well as up in value, so you could get back less than you put in. Tax treatment depends on individual circumstances and may be subject to change in the future.
Costs and charges
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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.
What are the charges?
- Cautious - £3 monthly account fee + 0.24% (0.10% ongoing charge + 0.14% transaction cost).
- Balanced - £3 monthly account fee + 0.27% (0.10% ongoing charge + 0.17% transaction cost).
- Adventurous - £3 monthly account fee + 0.29% (0.10% ongoing charge + 0.19% transaction cost).
If your investment was worth
Cautious
Balanced
Adventurous
If your investment was worth
£1,000
Cautious
£38.40
Balanced
£38.70
Adventurous
£38.90
If your investment was worth
£5,000
Cautious
£48.00
Balanced
£49.50
Adventurous
£50.50
If your investment was worth
£10,000
Cautious
£60.00
Balanced
£63.00
Adventurous
£65.00
If your investment was worth
£20,000
Cautious
£84.00
Balanced
£90.00
Adventurous
£94.00
Our 3 funds' explained
Investments managed by experts meaning you can spend time on what matters to you.
Adventurous
You’re prepared to risk more ups and downs for a higher potential return.
Balanced
You’re comfortable taking some risk for the potential of greater returns.
Cautious
You prefer a steadier approach and are comfortable accepting lower potential returns for less risk.
For more information about the 3 funds, read our fund range and investments guide (PDF, 212KB). This document provides details on how our charges work, including transaction costs and other charges. You can also learn more about risk and the investment process.​
Choose the best account for you
Before you apply make sure you’ve read the terms and conditions (PDF, 217KB).
Let's break it down
Lloyds Bank 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’ll share your details with Embark. This is to help us during the application process.
Our funds' past performance
The data in the following chart refers to the past only. 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.
The above graph shows the % change of the funds since launch. This is to help you understand how the funds have performed over the longer term.
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 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.
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Remember that the data in this table refers to the past. Past performance is not a reliable indicator of future results.
Date
Cautious
Balanced
Adventurous
Date
30 June 2025 to 30 June 2026
Cautious
9.8%
Balanced
16.7%
Adventurous
26.4%
Date
30 June 2024 to 30 June 2025
Cautious
5.8%
Balanced
6.4%
Adventurous
6.9%
Date
30 June 2023 to 30 June 2024
Cautious
10.2%
Balanced
12.7%
Adventurous
15.2%
Date
30 June 2022 to 30 June 2023
Cautious
-1.0%
Balanced
2.6%
Adventurous
5.3%
Date
30 June 2021 to 30 June 2022
Cautious
-8.6%
Balanced
-5.5%
Adventurous
-3.7%
Prefer to make your own investment choices?
If you want more choice or control, our pick-your-own investment option may be for you.
Already a Ready-Made Investments customer?
Opened an account before 20 February 2023?
For customers with account numbers beginning IL. You can review your account by logging on or view your charges on our E-Investments page.
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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.