If you are coming to the end of your mortgage, credit card or loan payment holiday, we will contact you before it ends, there is no need to call us. You can use our coronavirus support tool to find the right solution for your needs and confirm what you would like to do in a few simple steps.

Ready-made investments

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.

All you need to do is apply online in minutes and choose your funds. Then, let the experts do the rest.

Investing vs Saving

  • Cash savings grow steadily but slowly.
  • Your savings may be worth less in the future if returns are lower than inflation.
  • Investors aim to benefit from greater returns and accept this is not guaranteed.

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.

Ready to invest?

If you are new to ready-made investments please read on.

Sign in to find out more

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 Lloyds Banking Group.

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 £6.50 in charges

Key documents:

View the KIID (PDF)

View the factsheet (PDF)

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 £6.20 in charges

Key documents:

View the KIID (PDF)

View the factsheet (PDF)

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 £6.60 in charges

Key documents:

View the KIID (PDF)

View the factsheet (PDF)

Our funds were re-launched in September 2019. Because of this, there has not been a complete 12 months of performance information. To compensate for this we show the past performance of the equivalent Investment Association sector as we believe this is an appropriate substitute.

Choosing your fund

Past Performance

Managed Growth Fund 2

Managed Growth Fund 4

 

Managed Growth Fund 6

 

Cash savings

Past Performance

Average return each year

Managed Growth Fund 2

1.29%

Managed Growth Fund 4 

1.17%

Managed Growth Fund 6 

2.07%

Cash savings

0.3%

Past Performance

£5,000 invested in 5 years would grow to:

Managed Growth Fund 2

£5,160 after charges

Managed Growth Fund 4 

£5,137 after charges

 

Managed Growth Fund 6 

£5,359 after charges

 

Cash savings

£5,075

Our cash savings comparison uses the Halifax Fixed Saver Account interest rate and is correct as of 01/07/2020.

 

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

  • past performance of the equivalent Investment Association sector

    12 months of performance information

    Mixed Investment 
    0-35% Shares

    Mixed Investment 
    20-60% Shares

    Mixed Investment 
    40-85% Shares

    12 months of performance information

    31/03/2015 to 31/03/2016

    Mixed Investment  0-35% Shares

    -1.74%

    Mixed Investment  20-60% Shares

    -2.46%

    Mixed Investment  40-85% Shares

    -2.94%

    12 months of performance information

    31/03/2016 to 31/03/2017

    Mixed Investment  0-35% Shares

    9.38%

    Mixed Investment  20-60% Shares

    12.9%

    Mixed Investment  40-85% Shares

    17.11%

    12 months of performance information

    31/03/2017 to 31/03/2018

    Mixed Investment  0-35% Shares

    0.38%

    Mixed Investment  20-60% Shares

    0.83%

    Mixed Investment  40-85% Shares

    1.54%

    12 months of performance information

    31/03/2018 to 31/03/2019

    Mixed Investment  0-35% Shares

    2.41%

    Mixed Investment  20-60% Shares

    2.86%

    Mixed Investment  40-85% Shares

    4.3%

    12 months of performance information

    31/03/2019 to 31/03/2020

    Mixed Investment  0-35% Shares

    -3.49%

    Mixed Investment  20-60% Shares

    -7.19%

    Mixed Investment  40-85% Shares

    -7.99%

    12 months of performance information

    5 Year Annualised Performance

    Mixed Investment  0-35% Shares

    1.29%

    Mixed Investment  20-60% Shares

    1.17%

    Mixed Investment  40-85% Shares

    2.07%

    Please note the Equivalent Investment Association sector performance does not represent the actual past performance of the fund and is not a reliable indicator of future performance.

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 0.26%
  • and transaction costs which vary depending on the fund but are not greater than 0.17%.

For example, if you invested in Managed Growth Fund 2 you would pay £6.50 in charges for every £1000 invested.

Before you apply

To apply for a ready-made investment, you’ll need to be:

  • An existing Online Banking customer.
  • A UK resident or a crown employee serving overseas (or spouse / civil partner of).

Currently the application for our ready-made investment is only open to online banking customers, who are already signed in to their account using a non-mobile device. We apologise for any inconvenience.

Apply for a ready-made investment

Our application process is simple and can be done in just 10 minutes.

Sign in to find out more and apply

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, 12 Endeavour Square, London, E20 1JN under registration number 183332. A Member of the London Stock Exchange and an HM Revenue & Customs Approved ISA Manager.