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

Cautious

Balanced

Adventurous

Date

31st Dec 2023 – 31st Dec 2024

Cautious

5.9%

Balanced

9.4%

Adventurous

12.6%

Date

31st Dec 2022 – 31st Dec 2023

Cautious

8.6%

Balanced

9.9%

Adventurous

11.0%

Date

31st Dec 2021 – 31st Dec 2022

Cautious

-12.3%

Balanced

-8.9%

Adventurous

-7.0%

Date

31st Dec 2020 – 31st Dec 2021

Cautious

3.5%

Balanced

8.2%

Adventurous

12.5%

Date

31st Dec 2019 – 31st Dec 2020

Cautious

4.0%

Balanced

2.3%

Adventurous

1.9%

  • If your investment was worth

    Cautious

    (£3 monthly + 0.21%)

    Balanced

    (£3 monthly + 0.22%)

    Adventurous

    (£3 monthly + 0.22%)

    If your investment was worth

    £1,000

    Cautious(£3 monthly + 0.21%)

    £38.10

    Balanced(£3 monthly + 0.22%)

    £38.20

    Adventurous(£3 monthly + 0.22%)

    £38.20

    If your investment was worth

    £5,000

    Cautious(£3 monthly + 0.21%)

    £46.50

    Balanced(£3 monthly + 0.22%)

    £47.00

    Adventurous(£3 monthly + 0.22%)

    £47.00

    If your investment was worth

    £10,000

    Cautious(£3 monthly + 0.21%)

    £57.00

    Balanced(£3 monthly + 0.22%)

    £58.00

    Adventurous(£3 monthly + 0.22%)

    £58.00

    If your investment was worth

    £20,000

    Cautious(£3 monthly + 0.21%)

    £78.00

    Balanced(£3 monthly + 0.22%)

    £80.00

    Adventurous(£3 monthly + 0.22%)

    £80.00

  • Yes, the monthly account fee is charged on all open accounts, no matter the value. It’s possible to go into a negative balance if you’re not funding your account. If you’re only able to fund a low amount, you may want to consider a different product.

The power of long-term investing

Ready-Made Investments go a long way to taking the hard work out of investing for the long-term – they’re managed by experts after all.
However, there are steps you can take to keep them working for years to come:

Invest regularly

Aim to boost your investment with a monthly payment. Regular investing is a good way to take advantage of market values that work in your favour.

Invest what you can

You should only invest what’s affordable, but think about salary increases, inheritance, even your annual tax-allowance. Over the long-term, every pound counts.

Invest early

With long-term investments, the sooner you start the more time your money has to grow, smooth out market ups and downs and recover from unexpected losses.

Stay invested

Aim to invest for at least five years. While you can always take out money if needed, it’s important to give your investment as much time as possible to grow.


Help and guidance

  • When you request to withdraw, you’re placing an instruction to sell your investments, so you won’t receive your money immediately. Once you’ve made the request, we’ll arrange for the specified amount to be sold (at the price at the time of sale) and pay the proceeds to you, at the earliest practicable time. Transaction fees will apply, but we don’t add any further charges.

  • You can close your account at any time. Like with a withdrawal, when you request to close your account, you are placing an instruction to sell all your remaining investments (at the price at time of sale).

How to top up your Ready-Made Investment

QR code linking to the Halifax app in Play Store

Mobile Banking app

  1. Open the Mobile Banking app.
  2. View your Investment ISA or Investment Account.
  3. Select ‘Top up ISA’ or ‘Account’.
Top up here

Set up a Direct Debit

  1. Open the Mobile Banking app or use Online Banking.
  2. View your Investment ISA or Investment Account.
  3. Select 'Set up a Direct Debit’.

You cannot make changes to an existing Direct Debit. Please cancel this and issue a new Direct Debit for the correct amount.

Mobile Banking app

  1. Open the Mobile Banking app.
  2. View your Investment ISA or Investment Account.
  3. Select ‘Top up ISA’ or ‘Account’.
Top up here

Set up a Direct Debit

  1. Open the Mobile Banking app or use Online Banking.
  2. View your Investment ISA or Investment Account.
  3. Select 'Set up a Direct Debit’.

You cannot make changes to an existing Direct Debit. Please cancel this and issue a new Direct Debit for the correct amount.

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.

Protecting your money



The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.

More about the FSCS



Protecting your money

The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.

More about the FSCS

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

You can review your account by logging on or view your charges on our Online Investments page.

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).

Halifax Share Dealing Limited. Registered in England and Wales no. 3195646. Registered Office: Trinity Road, Halifax, West Yorkshire, HX1 2RG. 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