Ready-Made Investments

Investment 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.

 
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Benefits

  • Flexible ways to invest
    Decide how much to invest, starting from £50 a month or a £500 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.
Log on to apply
 
Woman sat on the floor whilst looking at her laptop in a dimly lit room.

Benefits

  • Flexible ways to invest
    Decide how much to invest, starting from £50 a month or a £500 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.
  • Apply in minutes
    Have our Mobile banking app? Select Log on and apply below. We’ll take you straight there.
Log on to apply
 

How does it work?

Everyone wants their money to work harder for them, that’s why more and more people are turning to our Ready-Made Investments.

Our Ready-Made Investments contain investments picked by our experts helping take the worry and confusion away.

Pick your risk level

You can pick from three 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 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.

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

Risk levels

When investing, it’s important to know the level of risk you’re taking. 

Learn more about risks and how to understand them.

Cautious

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:  0.24%
Transaction costs: 0.08%

Key documents

Managed Growth Fund 2 KIID (PDF, 115KB).
Factsheet (PDF, 138KB).

*Asset Allocation (as at 31/12/2023)

For more information about the three funds, you can read our fund range and investments guide (PDF, 221KB). 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.

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.

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 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 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’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.

Date

Cautious

Balanced

Progressive

Date

31st Dec 2022 – 31st Dec 2023

Cautious

8.6%

Balanced

9.9%

Progressive

11.0%

Date

31st Dec 2021 – 31st Dec 2022

Cautious

-12.3%

Balanced

-8.9%

Progressive

-7.0%

Date

31st Dec 2020 – 31st Dec 2021

Cautious

3.5%

Balanced

8.2%

Progressive

12.5%

Date

31st Dec 2019 – 31st Dec 2020

Cautious

4.0%

Balanced

2.3%

Progressive

1.9%

31 Dec 2018 – 31 Dec 2019: Our funds weren’t launched until 16 September 2019

  • 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

    (£3 monthly + 0.32%)

    Balanced

    (£3 monthly + 0.36%)

    Progressive

    (£3 monthly + 0.37%)

    If your investment was worth

    £1,000

    Cautious(£3 monthly + 0.32%)

    £39.20

    Balanced(£3 monthly + 0.36%)

    £39.60

    Progressive(£3 monthly + 0.37%)

    £39.70

    If your investment was worth

    £5,000

    Cautious(£3 monthly + 0.32%)

    £52.00

    Balanced(£3 monthly + 0.36%)

    £54.00

    Progressive(£3 monthly + 0.37%)

    £54.50

    If your investment was worth

    £10,000

    Cautious(£3 monthly + 0.32%)

    £68.00

    Balanced(£3 monthly + 0.36%)

    £72.00

    Progressive(£3 monthly + 0.37%)

    £73.00

    If your investment was worth

    £20,000

    Cautious(£3 monthly + 0.32%)

    £100.00

    Balanced(£3 monthly + 0.36%)

    £108.00

    Progressive(£3 monthly + 0.37%)

    £110.00

Choose the best account for you

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 UK tax on any profits or income on your investments.

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.

To apply, you'll need to be:

An Online Lloyds Banking customer

At least 18 years old

Currently living in the UK

US Persons and residents of the US are not eligible

Want to start investing but not a Lloyds Bank Customer yet? See our accounts.

Terms and Conditions (PDF, 217KB)

How to apply

 

Via Mobile Banking app

Via Mobile Banking app

  • Scan to download the app
  • Log on to your account through the Mobile Banking app
  • Select Apply in the bottom navigation bar
  • Select Saving and Investment
  • Select the Ready-Made Investments tab to apply

More about our app

Via Internet Banking

Log on to Internet Banking to apply.

Log on to apply
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Via Mobile Banking app

Apply in minutes. 

Have our Mobile Banking app? Select Log on to Apply below. We’ll take you straight there.

More about our app

Log on to Apply

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.

Learn the basics of investing

Man wearing a swimming cap stood with a river in the background

What is investing?

Our simple 5-step guide helps you decide if investing works for you.

See beginners’ guide
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Understanding risk

Discover what investment risk is and how understanding it could help you grow your investments over time.

Understanding risk

Boost your skills

We have a range of easy-to-read content to grow your confidence in investing.

Boost your skills

FSCS protected logo 

Your money is protected

Our Ready-Made Investments are provided by Embark Investment Services Limited and are protected up to a total of £85,000 by the Financial Services Compensation Scheme. 

 

For customers who opened an account before 20 February 2023 (accounts beginning with IL) 

You can review your account by logging on or view your charges on our E-Investments page

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 that we administer.

This is in addition to any other savings deposits you may hold across Lloyds Banking Group.

You can get more information on the FSCS on their website: fscs.org.uk.

Important legal information

Ready-Made Investments is provided by Embark Investment Services Limited, a wholly owned subsidiary of Embark Group Limited. Embark Investment Services Limited is incorporated in England and Wales (company number 09955930) with its registered Office at 100 Cannon Street, London, EC4N 6EU. Embark Investment Services Limited is authorised and regulated by the Financial Conduct Authority (Reg No 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.

Important share dealing information