Investment Account.

Ready-made funds managed by experts

Our Investment Account allows you to invest in our three managed funds but does not benefit from the same tax efficiency as an ISA. A fund pools together the money from many individuals. The fund manager then uses it to invest in a broad range of assets which can change, and are selected based on the objectives of the fund. Find out more about Asset types.

Why choose an Investment Account?

If you have some spare cash to invest for at least five years, or you'd like to put some money away each month, our Investment Account can make your savings work harder.

With our Investment Account you can benefit from:

  • Flexible investment – choose to invest a lump sum, put some money away each month, or both.
  • Professional fund managers – our experts choose where to invest your money, so you don't have to.
  • Controlled risk level – choose from our range of funds to suit your needs.

Keep in mind:

  • The value of investments can go down as well as up so you may not get back the money you invest.
  • We will not offer any financial advice or make recommendations about where to invest your money, so make sure you fully understand the risks, charges, terms and investment objectives of the funds before making any decisions.
  • There are charges based on the value of your investment each year. An Ongoing Charge of a maximum of 0.37%, a service fee of 0.24% and transaction costs which vary depending on the fund but are not greater than 0.25%.

Compare our funds

We have three funds you can choose from depending on how much risk you want to take and what returns you wish to get back. It’s important to choose the fund that’s right for you.

Investment funds table

Managed Growth Fund 2

Managed Growth Fund 4

Managed Growth Fund 6

Risk level

Low

Medium

High

Potential return

Low

Medium

High

Asset types

Shares

25%

49%

75%

Bond & Gilts

60.5%

36.5%

15%

Property

8.5%

8.5%

5%

Other

6%

6%

5%

% growth year on year

31/03/2013 - 31/03/2014

N/A

N/A

N/A

31/03/2014 - 31/03/2015

10.4%

8.9%

8.6%

31/03/2015 - 31/03/2016

0.0%

-2.5%

-3.2%

31/03/2016 - 31/03/2017

11.3%

15.2%

19.5%

31/03/2017 - 31/03/2018

0.6%

0.6%

0.6%

More details about Fund 2

More details about Fund 4

More details about Fund 6

Managed Growth Fund 2


Risk level

Low

Potential return

Low

Asset types

Shares

25%

Bond & Gilts

60.5%

Property

8.5%

Other

6%

% growth year on year

31/03/2013 - 31/03/2014

N/A

31/03/2014 - 31/03/2015

10.4%

31/03/2015 - 31/03/2016

0.0%

31/03/2016 - 31/03/2017

11.3%

31/03/2017 - 31/03/2018

0.6%

Managed Growth Fund 4


Risk level

Medium

Potential return

Medium

Asset types

Shares

49%

Bond & Gilts

36.5%

Property

8.5%

Other

6%

% growth year on year

31/03/2013 - 31/03/2014

N/A

31/03/2014 - 31/03/2015

8.9%

31/03/2015 - 31/03/2016

-2.5%

31/03/2016 - 31/03/2017

15.2%

31/03/2017 - 31/03/2018

0.6%

Managed Growth Fund 6


Risk level

High

Potential return

High

Asset types

Shares

75%

Bond & Gilts

15%

Property

5%

Other

5%

% growth year on year

31/03/2013 - 31/03/2014

N/A

31/03/2014 - 31/03/2015

8.6%

31/03/2015 - 31/03/2016

-3.2%

31/03/2016 - 31/03/2017

19.5%

31/03/2017 - 31/03/2018

0.6%


How to compare funds

Check you are comfortable with the level of risk and return involved. Although a higher risk fund may increase your potential return it also increases the risk of losing value.

It's good to look at the breakdown of asset types as this helps demonstrate the risk level.

As the value of different asset types goes up and down, it’s a good idea to look at how investments have performed over time. You can do this by looking at the percentage growth year on year but please remember that past performance is not a reliable guide to future performance.

Past Performance

Past performance is not a guide to future performance. Investment value and income from it may fall as well as rise, as a result of market and currency movements. You may not get back the amount originally invested.

Charges to consider

There are three charges associated with the management of the Investment Account.

  • Ongoing Fund Charges - You’ll pay an annual Ongoing Charge of a maximum of 0.37% of the value of each fund you invest in, which is taken directly from the value of the fund.
  • Transaction Costs - Transaction Costs include costs incurred by the fund manager buying or selling financial securities and instruments. They vary depending on the fund but are not greater than 0.25%.
  • Service Fee - A service fee of 0.24% of the value of your investment is payable each year. This is calculated monthly and collected annually.

Find out more about how the charges will work

To start investing you will need one or a combination of:

  • a minimum lump sum investment of £2,000
  • a regular payment of £100 per month.

If you haven't used your full ISA allowance for this tax year you can also invest through an Investment ISA.


How to apply

If you don’t already have a Halifax account with Online Banking facilities, you’ll need to open an account first. Some of our savings accounts can be opened online with a minimum deposit of as little as £1. View our savings accounts

Registered for Online Banking? You're ready to apply, but first find out more about what you'll need to have to hand.

Find out more and apply


Halifax is a division of Bank of Scotland plc. Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh, EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). For further information about the compensation provided by the FSCS, refer to the FSCS website at www.fscs.org.uk/. You can also visit our Financial Services Compensation Scheme page for more details.

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Eligible investments are protected up to a total of £50,000 by the Financial Services Compensation Scheme.

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