Ready made investment.

Ready-Made Investments

Simplify investing this tax year. Choose the style that fits you best and we’ll do the rest. We're ready when you are.

Key benefits

Give your money that potential to grow

Designed to grow your money over time, with the potential for better returns than savings, while savings continue to be important for short-term needs.

Invest with confidence - no experience needed

Professional fund managers do the hard work for you, so you don’t need to be an expert to get started.

Choose an investment that fits your goals

Pick an investment that suits your goals - cautious, balanced or adventurous - and manage it easily in the app or online.

 

ISA ISA Baby

Discover how to make the most of your tax‑efficient allowances this tax year and explore smart, confident ways to make your money work harder.

Get tax year ready

See how our funds compare

Our ongoing fund charges are some of the lowest on the market, so more of your money is invested.

Ongoing fund charges comparison table.

This graph shows ongoing charges only - from a selection of comparable competitor’s fund offerings. Other account fees and charges also apply. We sourced the data from competitor websites, correct as of 10 February 2026.

  • Ongoing charges fees comparison overview

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    Lloyds - Ready-Made Investments

    0.10%

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    BlackRock - MyMap

    0.17%

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    HSBC - Global Strategy Portfolios

    0.18% - 0.21%

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    Vanguard - Life Strategy

    0.20% - 0.24%

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    NatWest - Invest

    0.39% - 0.40%

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    Barclays - Ready-Made Investments

    0.45%

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    AJ Bell – Growth, Responsible Growth and Income Funds

    0.31% - 0.50%

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    L&G – Multi-Index Funds

    0.31% - 0.70%

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    Aviva – Multi-Asset Funds

    0.15% – 0.88%

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.

How does it work?

 

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

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

Video length 2 mins 17 secs.

Pick your risk level

You can pick from three funds to best suit you – cautious, balanced or Adventurous. 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.

Everyone wants their money to work harder for them, that’s why more of our customers are choosing Ready-Made Investments.

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

Decide how much to invest

Starting from £50 a month or £500 as a lump sum.

Keep in mind, investing in stocks and shares is a longer-term commitment and it is not a substitute for cash savings. We recommend you leave your money invested for around five years. You should still make sure you have 'rainy day' cash savings to cover unplanned expenses and emergencies. It's always worth regularly reviewing your goals.

Track your performance

Track and top up your ready-made portfolio using Internet Banking or our app. Just like your everyday banking.

Our three funds

Adventurous

Designed for those willing to take more risk for higher returns.​

Mainly invests in shares, with some bonds and alternative assets.

Charges

Account fee: £3 a month
Ongoing charge: 0.1%

50% of our customers are invested in this option as of March 2026.

Key documents

Managed Growth Fund 6 KIID (PDF, 114KB).
Factsheet (PDF, 138KB).

Balanced

Moderate risk and growth potential.​ Suitable for those who want a balance between risk and reward.​

Invests in shares, bonds and property.

Charges

Account fee: £3 a month
Ongoing charge: 0.1%

46% of our customers are invested in this option as of March 2026.

Key documents

Managed Growth Fund 4 KIID (PDF, 114KB).
Factsheet (PDF, 138KB).

Cautious

Lower risk and steady returns are ideal for those who want to take less risk.​

Mainly invests in bonds and has limited exposure to shares and property.

Charges

Account fee: £3 a month
Ongoing charge: 0.1%

4% of our customers are invested in this option as of March 2026.

Key documents

Managed Growth Fund 2 KIID (PDF, 161KB).
Factsheet (PDF, 138KB).

Keep in mind that the funds were the most invested in by customers as of March 2026. This is based solely on the amount of customers investing in a fund and is not based on performance. It should not be considered as advice or a recommendation.

For more information about the three funds, read our fund range and investments guide (PDF, 222KB). 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.​


The charges shown here do not include transaction costs. The fund’s performance may differ.​


Investments are sold at a minimum value of £10. All remaining sales proceeds will be held as cash in your account after the £3 fee is paid. The cash will continue to accrue 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.

  • Please 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 December 2024 to 30 December 2025

    Cautious

    8.3%

    Balanced

    11.6%

    Adventurous

    16.2%    

    Date

    30 December 2023 to 30 December 2024

    Cautious

    5.9%

    Balanced

    9.4%

    Adventurous

    12.6%

    Date

    30 December 2022 to 30 December 2023

    Cautious

    8.6%

    Balanced

    9.9%

    Adventurous

    11.0%

    Date

    30 December 2021 to 30 December 2022

    Cautious

    -12.3%

    Balanced

    -8.9%

    Adventurous

    -7.0%

    Date

    30 December 2020 to 30 December 2021

    Cautious

    3.5%

    Balanced

    8.2%

    Adventurous

    12.5%

  • 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 + 0.23% (0.1% ongoing charge + 0.13% transaction cost).
    • Balanced - £3 monthly account fee + 0.26% (0.1% ongoing charge + 0.16% transaction cost).
    • Adventurous - £3 monthly account fee + 0.26% (0.1% ongoing charge + 0.16% transaction cost).

    If your investment was worth

    Cautious

    Balanced

    Adventurous

    If your investment was worth

    £1,000

    Cautious

    £38.30

    Balanced

    £38.60

    Adventurous

    £38.60

    If your investment was worth

    £5,000

    Cautious

    £47.50

    Balanced

    £49.00

    Adventurous

    £49.00

    If your investment was worth

    £10,000

    Cautious

    £59.00

    Balanced

    £62.00

    Adventurous

    £62.00

    If your investment was worth

    £20,000

    Cautious

    £82.00

    Balanced

    £88.00

    Adventurous

    £88.00

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.

Investment ISA key features document (PDF, 149KB)

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.

Investment Account key features document (PDF, 146KB)

Which ISA could be the right one.

We've built an ISA options tool to help you see which ISA could be right for you. Just answer a couple of questions.

As we can't give you savings or investment advice, this ISA options tool is not a recommendation but an indication only. Please see a financial adviser if you are unsure which product is right for you.

Check ISA options

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

Terms and Conditions (PDF, 217KB)

Are you ready to invest?

Before you apply, read these statements and make sure you agree with them:

  • You’ve carried out your own research and feel confident that it’s the right time for you to invest.
  • You understand and agree to taking some risk in investing.
  • You’re ready to invest for the longer-term (around five years).
  • You know this isn't a substitute for cash savings and you have other money you can access for unplanned expenses (we recommend around three to six months of net income).
  • Avoid significant short-term debts. They can cost you more in interest than the returns on your investments.

Apply for a Ready-Made Investments

Already bank online?

We'll take you to the right place to get started.

Log in to apply

Already a Ready-Made Investments customer?

Find out more about how to administer your account, transfer across your other investments or cash and look at how our funds are performing.

Existing customer?

It's simple in the app

You must be registered for online banking to apply in the app.

Once you're in, select Apply, Investments, then Ready-Made Investments.

Get the app

Or you can register on our website.

Already bank online?

We'll take you to the right place to get started.

Log in 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.

Protecting your money

The Financial Services Compensation Scheme (FSCS) protects the eligible money you hold with us.

More about the FSCS

Protecting your money

The Financial Services Compensation Scheme (FSCS) protects the eligible money you hold with us.

More about the FSCS

Learn the basics of investing

Starting out?

Read our simple 5-step guide to help decide if investing is right for you.

Investing for beginners

Understanding risk

Understand what investment risk is and how to manage it for your investments.

Understanding investment risk

Resilient investing

Read our essential principles for when facing stock market volatility.

Resilient investing
Learn more about investing

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.

Compare accounts

Find your investing style with Lloyds.

Compare accounts

Compare accounts

Find your investing style with Lloyds.

Compare accounts

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.

Important share dealing information