Ready-made investments

NEW TAX YEAR – NEW POSSIBILITIES!

The new tax year has arrived and you’ll have a new £20,000 ISA allowance to make the most of.

An ISA protects all holdings from UK tax, including potential future profit from Capital Gains Tax and dividend payments from Income Tax.

Looking for a hassle-free way to help your money work harder than cash savings.
Invest in our ready-made investments and let our experts do the hard work for you.

How it works

  • Our Ready-made investments are designed to be simple.
  • You have the choice of our Investment Account or for a tax efficient option, our Investment ISA.
  • All you need to do is apply online in minutes and choose your funds       Funds are managed by professionals and pool investors’ money together and invest on their behalf. Since your investment can be spread over a range of different stock markets, sectors and investment types, the risk involved may be reduced.. Then, let the experts do the rest.

Investing vs Saving

  • Cash savings grow steadily but slowly and can be accessed easily.

  • Your savings may be impacted if the rate of return is lower than inflation       Inflation causes a rise in costs for goods and a drop in your purchasing power over a period of time. e.g. a pint of milk in 1990 was 25p whereas today a pint of milk will cost you 43p..

  • Investing can offer greater returns, but this is not guaranteed and your investments can fall as well as rise.

Why try it?

  • Easy - Apply online in a matter of minutes and our investment experts will take care of the rest.
  • Flexible - Start investing from £100 per month or a lump sum of £2,000.
  • Low Cost - Our ready-made funds offer some of the lowest charges in the market.

Although there is no tie in period, our investments are designed for the medium to long-term so you should plan to hold them for at least five 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. Tax treatment depends on individual circumstances and may be subject to change in the future.

Peace of mind

Our Ready-made investments are protected up to a total of £85,000 by the Financial Services Compensation Scheme. This limit applies to the total of any investments held across Halifax Share Dealing Limited.

This is in addition to protection from any other current or savings accounts held with the group.

 

Investment funds explained

What is an investment fund?

Investment funds are collective investments. Professional fund managers pool together investors’ money and invest on their behalf in a range of assets.

This means you can benefit from:

  • Saving time and effort as experienced investment experts do the work for you.
  • Your risk being spread out without buying lots of different assets yourself.

What are assets?

Funds are invested in 'assets'. The main types of assets that our funds invest in are:

  • Shares - Own part of a company (like Apple or Tesco).
  • Property - Invest directly in houses, business premises, or in a property fund.
  • Bonds and Gilts – Loans made by investors to governments or companies which offer a fixed return.
  • Cash - Funds can hold some of an investor's money in cash too as a way to lower risk.

What's the risk?

Before investing, consider the amount of risk you are prepared to accept.

  • Low - A fund made up of mostly bonds and gilts will be lower risk and lower potential growth.
  • Medium - Investing more evenly between lower risk assets (e.g. bonds) and higher risk assets (e.g. shares) to offer a moderate approach to growth and risk.
  • High - Investing mostly in shares. Higher risk investments offer potentially higher returns but the value of your investment will be more volatile.

Choosing your fund

Managed Growth Fund 2

Fund manager approach:
Cautious growth

Risk level: Lower

Asset Types

 Shares - 25%

 Bonds & Gilts - 60.5%

 Property - 8.5%

 Other - 6%

Charges:

For every £1,000 invested in this fund you would pay £6.10 in charges

Key documents:

View the KIID (PDF, 108KB)

View the factsheet (PDF, 138KB)

Managed Growth Fund 4

Fund manager approach:
Balanced growth

Risk level: Medium

Asset Types

Shares - 49%

Bonds & Gilts - 36.5%

Property - 8.5%

Other - 6%

Charges:

For every £1,000 invested in this fund you would pay £6.10 in charges

Key documents:

View the KIID (PDF, 107KB)

View the factsheet (PDF, 138KB)

Managed Growth Fund 6

Fund manager approach:
Dynamic growth

Risk level: Higher

Asset Types

Shares - 75%

Bonds & Gilts - 15%

Property - 5%

Other - 5%

Charges:

For every £1,000 invested in this fund you would pay £6.20 in charges

Key documents:

View the KIID (PDF, 107KB)

View the factsheet (PDF, 138KB)

For more information about the three funds, you can read Our fund range and investments (PDF, 2.0MB) guide. It contains details of how the funds are managed, their objectives and risks, and a detailed breakdown of the charges.

Our fund performance

Our funds were re-launched in September 2019 so there’s no performance data available before 2020. These figures refer to the past and past performance is not a reliable indicator of future results.

past performance of the equivalent Investment Association sector

Date

Managed Growth Fund 2

Managed Growth Fund 4

Managed Growth Fund 6

Date

1 Jan - 31 Dec 2020

Managed Growth Fund 2

4.0%

Managed Growth Fund 4

2.3%

Managed Growth Fund 6

1.9%

Date

1 Jan - 31 Dec 2019

Managed Growth Fund 2

N/A

Managed Growth Fund 4

N/A

Managed Growth Fund 6

N/A

Date

1 Jan - 31 Dec 2018

Managed Growth Fund 2

N/A

Managed Growth Fund 4

N/A

Managed Growth Fund 6

N/A

Date

1 Jan - 31 Dec 2017

Managed Growth Fund 2

N/A

Managed Growth Fund 4

N/A

Managed Growth Fund 6

N/A

Date

1 Jan - 31 Dec 2016

Managed Growth Fund 2

N/A

Managed Growth Fund 4

N/A

Managed Growth Fund 6

N/A

Source: FE fundinfo
 

Low-cost charges

Our charges are based on the value of your total investment and 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 0.28%
  • and transaction costs which vary depending on the fund but are not greater than 0.12%.

For example, if you invested in Managed Growth Fund 6 you would pay £6.20 in charges for every £1,000 invested.

Investments with Halifax Share Dealing Limited 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.

FSCS logo

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.