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Key benefits
For existing Halifax customers only. It's easy to become a customer - open an account.
See how our funds compare
Our ongoing fund charges are some of the lowest on the market, so more of your money is invested.
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 11 November 2025.
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Ongoing charges fees comparison overview Halifax - Ready-Made Investments
0.10%
BlackRock - MyMap
0.17%
HSBC - Global Strategy Portfolios
0.18% - 0.24%
Vanguard - Life Strategy
0.22% - 0.24%
NatWest - Invest
0.39% - 0.40%
Barclays - Ready-Made Investments
0.45%
AJ Bell - Growth, Responsible Growth and Income Funds
0.31% - 0.50%
L&G - Multi-Index Funds
0.31% - 0.70%
Aviva - Multi-Asset Funds
0.15% - 0.88%
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.
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
Decide which level is right for you - cautious, balanced or Adventurous. You can change this if your circumstances or attitude to risk changes in the future.
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
Start with a minimum deposit of £500 lump sum or £50 a month.
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
Adjust, track and top up using Online Banking or the app, like everyday banking.
Our three funds
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%
Key documents
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%
Key documents
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%
Key documents
For more information about the three funds, read our fund range and investments guide (PDF, 259KB). 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.
A £3 account fee also applies when buying and selling funds. 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.
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.
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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 September 2024 to 30 September 2025
Cautious
6.0%
Balanced
9.2%
Adventurous
13.3%
Date
30 September 2023 to 30 September 2024
Cautious
13.6%
Balanced
15.4%
Adventurous
16.9%
Date
30 September 2022 to 30 September 2023
Cautious
5.3%
Balanced
6.8%
Adventurous
8.3%
Date
30 September 2021 to 30 September 2022
Cautious
-14.2%
Balanced
-9.6%
Adventurous
-6.7%
Date
30 September 2020 to 30 September 2021
Cautious
7.2%
Balanced
13.5%
Adventurous
19.0%
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There is a flat-rate account 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 + 0.21% (0.1% ongoing charge + 0.11% transaction cost)
- Balanced - £3 monthly account fee + 0.22% (0.1% ongoing charge + 0.12% transaction cost)
- Adventurous - £3 monthly account fee + 0.22% (0.1% ongoing charge + 0.12% transaction cost)
If your investment was worth
Cautious
Balanced
Adventurous
If your investment was worth
£1,000
Cautious
£38.10
Balanced
£38.20
Adventurous
£38.20
If your investment was worth
£5,000
Cautious
£46.50
Balanced
£47.00
Adventurous
£47.00
If your investment was worth
£10,000
Cautious
£57.00
Balanced
£58.00
Adventurous
£58.00
If your investment was worth
£20,000
Cautious
£78.00
Balanced
£80.00
Adventurous
£80.00
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A fund is a collection of assets created by investment experts (Fund Managers). These can be made up of shares, bonds, property or even cash.
Investing in a fund with a wide range of assets could offer potential growth over time, while also helping to reduce any risk.
Before you apply
Make sure you’ve read the terms and conditions (PDF, 217KB) and relevant key features document:
Investment Account key features document (PDF, 137KB)
Investment ISA key features document (PDF, 145KB).
To apply, you must:
- be at least 18 years old
- be a UK resident and UK taxpayer
- not be a US person.
Want to start investing but not a Halifax customer yet?
Get started with one of our Halifax accounts.
Apply for a Ready-Made Investment
Halifax 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 will share your details with Embark. This is to help us during the application process.
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Access our simple 5 step guide to understand if investing is right for you.
Risk explained
Investing and understanding risk come hand in hand. Learn about the different types of risk.
Boost your skills
Learn about investing with our easy to read articles to help you on your investment journey.
For customers who opened an account before 20th February 2023 (accounts beginning with IH)
You can review your account by signing in or view your charges on our Online Investments page.
Important legal information
Ready-Made Investments are 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).
