The challenging times we’re all experiencing means we’re getting a lot more calls than usual and our call times are longer. So we can support people in the most vulnerable situations, we ask that you only call us if your enquiry is urgent. You can still use our online and mobile banking services and our automated service.

 

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.

Changes to our service

Like all businesses we have to work differently amid concerns regarding COVID-19 and prioritise the safety of our staff and customers. As a result we are temporarily stopping all applications from new customers.

We will review this decision regularly and will switch applications back on as soon as we can.

Existing customers can sign in and trade as usual.

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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.

Compare our funds

Managed Growth Fund 2

Risk Level

Low

Asset Types

Low risk donut graph


Shares - 25%


Bond & Gilts - 60.5%


Property - 8.5%


Other - 6%

Managed Growth Fund 4

Risk Level

Medium

Asset Types


Shares - 49%


Bond & Gilts - 36.5%


Property - 8.5%


Other - 6%

Managed Growth Fund 6

Risk Level

High

Asset Types


Shares - 75%


Bond & Gilts - 15%


Property - 5%


Other - 5%

Past Performance

Our funds were re-launched in September 2019. Because of this, there has not been a complete 12 months of performance information. To compensate for this we show the past performance of the equivalent Investment Association sector as we believe this is an appropriate substitute.

Dividend diary

Mixed Investment 0-35% Shares

Mixed Investment 20-60% Shares

Mixed Investment 40-85% Shares

Mixed Investment 0-35% Shares

31 Dec 14 – 31 Dec 15

Mixed Investment 20-60% Shares

0.38%

Mixed Investment 40-85% Shares

1.21%

2.66%

Mixed Investment 0-35% Shares

31 Dec 15 – 31 Dec 16

Mixed Investment 20-60% Shares

8.47%

Mixed Investment 40-85% Shares

10.32%

12.87%

Mixed Investment 0-35% Shares

31 Dec 16 – 31 Dec 17

Mixed Investment 20-60% Shares

4.84%

Mixed Investment 40-85% Shares

7.16%

9.98%

Mixed Investment 0-35% Shares

31 Dec 17 – 31 Dec 18

Mixed Investment 20-60% Shares

-3.35%

Mixed Investment 40-85% Shares

-5.1%

-6.11%

Mixed Investment 0-35% Shares

31 Dec 18 – 31 Dec 19

Mixed Investment 20-60% Shares

8.7%

Mixed Investment 40-85% Shares

11.84%

15.78%

Mixed Investment 0-35% Shares

5 Year Annualised Performance

Mixed Investment 20-60% Shares

3.70%

Mixed Investment 40-85% Shares

4.90%

6.74%

Please note the Equivalent Investment Association sector performance does not represent the actual past performance of the fund and is not a reliable indicator of future performance.

If you want more information about the three funds, read Our Fund Range and InvestmentsPDF opens in a new tab.. 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 0.26%
  • and transaction costs which vary depending on the fund but are not greater than 0.17%.

For example if you invested in Managed Growth Fund 2 you would pay £6.50 in charges for every £1000 invested.

Changes to our service

Like all businesses we have to work differently amid concerns regarding COVID-19 and prioritise the safety of our staff and customers. As a result we are temporarily stopping all applications from new customers.

We will review this decision regularly and will switch applications back on as soon as we can.

Existing customers can sign in and trade as usual.

Log on to Internet BankingLog on to Internet Banking

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.

Financial Services Compensation Scheme logo

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, 12 Endeavour Square, London, E20 1JN under registration number 183332. A Member of the London Stock Exchange and an HM Revenue & Customs Approved ISA Manager.

Important share dealing information