READY-MADE INVESTMENTS.

Our ready-made investments are designed to give you access to a range of markets, without the complexity of picking your own stocks and shares.

  • Choice – you can choose between three funds with a level of risk you’re comfortable with – high, medium or low risk. Plus, you can hold them in an Investment ISA (up to £20,000 per tax year) or an Investment Account.
  • Diversified – our investments are ready-made so they give you exposure to a diverse mix of shares, bonds, property and more.
  • Flexible – invest regularly from £100 per month, or with a minimum lump sum of £2,000.

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.

Find out more and apply

Compare our funds

Managed Growth Fund 2 Managed Growth Fund 4 Managed Growth Fund 6
Risk level 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%
Discrete performance
31/12/2013 - 31/12/2014 N/A N/A N/A
31/12/2014 - 31/12/2015 1.2% 0.8% 1.2%
31/12/2015 - 31/12/2016 11.5% 12.8% 15.7%
31/12/2016 - 31/12/2017 5.5% 8.2% 10.5%
31/12/2017 - 31/12/2018 -3.4% -5.7% -7.2%
5yr Annualised return
(28 Feb 2019)
5.10% 5.06% 5.80%
Key documents View the KIID (PDF)
View the factsheet (PDF)
View the KIID (PDF)
View the factsheet (PDF)
View the KIID (PDF)
View the factsheet (PDF)

Source: FE as at 31/03/2019

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.

For more information about the three funds, you can read Our Fund Range and Investments which contains details of how the funds are managed, their objectives and risks, and a detailed breakdown of the charges.


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 0.32%
  • and transaction costs which vary depending on the fund but are not greater than 0.21%.

For example, for every £1,000 you invest, you’ll currently pay £7.40 in charges if you select our Managed Growth Fund 2.


Apply for a ready-made investment

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).
  • Using a tablet, laptop or desktop as some parts of our application are incompatible with mobile devices.

Find out more and apply

View our full range of investments


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 investments 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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http://www.halifax.co.uk/fscs/