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For customers who opened an account before 20 February 2023 (accounts beginning with IH), you can review your account by signing in or view your charges on our Online Investments page

 

 

Why should I invest?

  • Investing is a way of helping you progress towards a specific financial goal.

  • Investing is a way of making your money work harder, especially during periods of high inflation.

  • Whilst cash savings could offer steady and secure growth, investments tend to perform better in the long term. 

How inflation may affect your savings

If your returns are lower than the inflation rate, your money may be worth less in the future.

Inflation makes things more expensive over time

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 Ready-Made Investments work

  • You pick your risk level – Decide what option is right for you.
  • Choose how much to invest – Minimum deposit of £50, or a £500 lump sum.
  • Review your account – Matched to your chosen risk and managed by us.
  • Track your performance – Adjust, track and top up using Online Banking or our app, just like with your everyday banking.

 

Get Started

What about the risks?

Investing and understanding risk comes hand in hand. But don’t let that word put you off. Learn what we mean by risk, the different types and how you can spread it by reading the article ‘Understanding risk’.

    What is your risk level?

1. Cautious

Lower risk

(Managed Growth Fund 2)

Our lowest risk fund. Your investments could still go down as well as up, but are generally more stable.

 

Charges:

Account fee: £3 a month

Ongoing charge: 0.24%

Transactional costs: 0.08%

Key documents

View the KIID (PDF, 115KB)

View the factsheet (PDF, 138KB)

2. BalancedOur Balanced fund aims to hold a mixture of shares and bonds typically on a relatively equal basis. This fund may have exposure to property and absolute return strategies and other assets.

Medium risk

(Managed Growth Fund 4)

Our medium risk fund. You want your investment to grow steadily, and accept that there may be some ups and downs.
 

Charges:

Account fee: £3 a month

Ongoing charge: 0.25%

Transactional costs: 0.11%

Key documents

View the KIID (PDF, 115KB)

View the factsheet (PDF, 138KB)

3. ProgressiveOur Progressive fund is dominated by exposure to UK and International shares but may also have some bonds, property, cash and absolute returns strategies to aim to lower volatility during market fluctuations.

Medium - high risk

(Managed Growth Fund 6)

Our highest risk fund. You’re willing to accept a higher level of risk in return for the chance of higher returns.

 

Charges:

Account fee: £3 a month

Ongoing charge: 0.23%

Transactional costs: 0.14%

Key documents

View the KIID (PDF, 114KB)

View the factsheet (PDF, 138KB)

For more information about the three funds, you can read Our fund range and investments (PDF, 249KB) guide. It contains details of how the funds are managed, their objectives and risks, and a detailed breakdown of the charges.

Investments are sold at a minimum value of £10. All remaining sales proceeds, after the £3 fee has been paid, will be held as cash in your account and will be used to contribute to future monthly fees.

  • 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.

    If your investment was worth

    Cautious

    Managed Growth Fund 2

    (£3 monthly + 0.32%)

    Balanced

    Managed Growth Fund 4

    (£3 monthly + 0.36%)

    Progressive

    Managed Growth Fund 6

    (£3 monthly + 0.37%)

    If your investment was worth

    £1,000

    CautiousManaged Growth Fund 2(£3 monthly + 0.32%)

    £39.20

    BalancedManaged Growth Fund 4(£3 monthly + 0.36%)

    £39.60

    ProgressiveManaged Growth Fund 6(£3 monthly + 0.37%)

    £39.70

    If your investment was worth

    £5,000

    CautiousManaged Growth Fund 2(£3 monthly + 0.32%)

    £52.00

    BalancedManaged Growth Fund 4(£3 monthly + 0.36%)

    £54.00

    ProgressiveManaged Growth Fund 6(£3 monthly + 0.37%)

    £54.50

    If your investment was worth

    £10,000

    CautiousManaged Growth Fund 2(£3 monthly + 0.32%)

    £68.00

    BalancedManaged Growth Fund 4(£3 monthly + 0.36%)

    £72.00

    ProgressiveManaged Growth Fund 6(£3 monthly + 0.37%)

    £73.00

    If your investment was worth

    £20,000

    CautiousManaged Growth Fund 2(£3 monthly + 0.32%)

    £100.00

    BalancedManaged Growth Fund 4(£3 monthly + 0.36%)

    £108.00

    ProgressiveManaged Growth Fund 6(£3 monthly + 0.37%)

    £110.00

  • What is a fund?

    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.

    Types of funds

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. 

 

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

Managed Growth Fund 2

Cautious

Managed Growth Fund 4

Balanced

Managed Growth Fund 6

Progressive

Date

31st Dec 2022 – 31st Dec 2023

Managed Growth Fund 2

Cautious

8.6%

Managed Growth Fund 4Balanced

9.9%

Managed Growth Fund 6

Progressive

11.0%

Date

31st Dec 2021 – 31st Dec 2022

Managed Growth Fund 2

Cautious

-12.3%

Managed Growth Fund 4Balanced

-8.9%

Managed Growth Fund 6

Progressive

-7.0%

Date

31st Dec 2020 – 31st Dec 2021

Managed Growth Fund 2

Cautious

3.5%

Managed Growth Fund 4Balanced

8.2%

Managed Growth Fund 6

Progressive

12.5%

Date

31st Dec 2019 – 31st Dec 2020

Managed Growth Fund 2

Cautious

4.0%

Managed Growth Fund 4Balanced

2.3%

Managed Growth Fund 6

Progressive

1.9%

Date

Date

31st Dec 2018 – 31st Dec 2019

Our funds weren’t launched until 16th September 2019.

Our investment accounts

Get started on your Ready-Made Investment journey

Investment ISA

A tax-efficient account that lets you contribute up to £20,000 across your ISAs each tax year.

General Investment Account

This account may be suitable if you’ve already used your ISA allowance for the current tax year.

  • Benefits

    Investment ISA

    General Investment Account

    Benefits

    Gains free from tax

    Investment ISA

    Yes (within ISA allowance)

    General Investment Account

    No

    Benefits

    Current contribution limit per tax year

    Investment ISA

    £20,000 (subject to change)

    General Investment Account

    No limit

    Benefits

    Lifetime limit

    Investment ISA

    No limit

    General Investment Account

    No limit

    Benefits

    Withdrawals at any time

    Investment ISA

    Yes

    General Investment Account

    Yes

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.

Can I apply?

To apply for a Ready-Made Investment, you’ll need to be:

  • An existing Online Banking customer
  • At least 18 years old 
  • You must live in the UK 
  • You must not be a US citizen

Terms and Conditions (PDF, 211KB)

How do I apply?

Applying by desktop or mobile 

  • Log on to Internet Banking below to apply.

Applying via the mobile app

  • Sign into your account via the banking app.
  • Select ‘Apply’ in the bottom navigation bar.
  • Select ‘Savings and Investments’.
  • Select the ‘Ready-Made Investments’ tab to apply.
Sign in and apply

FSCS logo

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 that we administer.

This is in addition to any other savings deposits you may hold across Lloyds Banking Group.