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Ready-Made Investments
Investments built and managed by our experts. They’re a great way to start if you’re not sure or want help deciding which funds to pick. We’ve done the hard work for you.
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.
Pick your risk level
You can pick from three funds to best suit you – cautious, balanced or progressive. And you can change this in the future if your circumstances or view of risk changes.
Choose an account
Open an Investment ISA or an Investment Account.
Please note - to apply for these accounts you must be:
- an online Lloyds Internet banking customer
- 18 years old
- currently living in the UK.
Decide how much to invest
Starting from £50 a month or £500 as a lump sum.
Track your performance
Track and top up your ready-made portfolio using Internet Banking or our app. Just like your everyday banking.
Risk levels
When investing, it’s important to know the level of risk you’re taking.
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Balanced
Our medium risk fund. Aimed at growing investments steadily, but there may be some more notable ups and downs.
Charges
Account fee: £3 a month
Ongoing charge: 0.24%
Transaction costs: 0.12%Key documents
Managed Growth Fund 4 KIID (PDF, 153KB).
Factsheet (PDF, 138KB).*Asset Allocation (as at 31/12/2023)
![Balanced piechart]()
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Progressive
The highest risk fund in our Ready-Made Investment portfolio. If you’re willing to accept a higher level of risk for the chance of greater returns – this could be right for you.
Charges
Account fee: £3 a month
Ongoing charge: 0.22%
Transaction costs: 0.12%Key documents
Managed Growth Fund 6 KIID (PDF, 245KB).
Factsheet (PDF, 138KB).*Asset Allocation (as at 31/12/2023)
![Progressive piechart]()
Cautious
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: 0.23%
Transaction costs: 0.11%
Key documents
Managed Growth Fund 2 KIID (PDF, 115KB).
Factsheet (PDF, 138KB).
*Asset Allocation (as at 31/12/2023)
For more information about the three funds, you can read our fund range and investments guide (PDF, 255KB). 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.
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.
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 refers to the past. 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’ll 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 |
Cautious |
Balanced |
Progressive |
|---|---|---|---|
|
Date 31st Dec 2022 – 31st Dec 2023 |
Cautious 8.6% |
Balanced 9.9% |
Progressive 11.0% |
|
Date 31st Dec 2021 – 31st Dec 2022 |
Cautious -12.3% |
Balanced -8.9% |
Progressive -7.0% |
|
Date 31st Dec 2020 – 31st Dec 2021 |
Cautious 3.5% |
Balanced 8.2% |
Progressive 12.5% |
|
Date 31st Dec 2019 – 31st Dec 2020 |
Cautious 4.0% |
Balanced 2.3% |
Progressive 1.9% |
31 Dec 2018 – 31 Dec 2019: Our funds weren’t launched until 16 September 2019
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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. These are shown as a combined percentage within the examples below.
If your investment was worth
Cautious
(£3 monthly + 0.34%)
Balanced
(£3 monthly + 0.36%)
Progressive
(£3 monthly + 0.34%)
If your investment was worth
£1,000
Cautious(£3 monthly + 0.34%)
£39.40
Balanced(£3 monthly + 0.36%)
£39.60
Progressive(£3 monthly + 0.34%)
£39.40
If your investment was worth
£5,000
Cautious(£3 monthly + 0.34%)
£53.00
Balanced(£3 monthly + 0.36%)
£54.00
Progressive(£3 monthly + 0.34%)
£53.00
If your investment was worth
£10,000
Cautious(£3 monthly + 0.34%)
£70.00
Balanced(£3 monthly + 0.36%)
£72.00
Progressive(£3 monthly + 0.34%)
£70.00
If your investment was worth
£20,000
Cautious(£3 monthly + 0.34%)
£104.00
Balanced(£3 monthly + 0.36%)
£108.00
Progressive(£3 monthly + 0.34%)
£104.00
Choose the best account for you
Investment ISA
An Investment ISA is a tax-efficient way to start investing. You can contribute up to £20,000 across ISAs per tax year.
You won’t have to pay UK tax on any profits or income on your investments.
General Investment Account
An account for your investments without any tax benefits.
This account may be suitable if you’ve already used your ISA allowance for the current tax year. There’s no contribution limit with the General Investment Account.
To apply, you'll need to be:
How to apply
Lloyds Bank 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’ll share your details with Embark. This is to help us during the application process.
Learn the basics of investing
What is Investing
Our simple 5-step guide helps you decide if investing works for you.
Understanding risk
Understand what investment risk is and how to manage it for your investments.
Resilient investing
Read our essential principles for when facing stock market volatility.
Your money is protected
Our Ready-Made Investments are provided by Embark Investment Services Limited and are protected up to a total of £85,000 by the Financial Services Compensation Scheme.
For customers who opened an account before 20 February 2023 (accounts beginning with IL)
You can review your account by logging on or view your charges on our E-Investments page
Investments with Lloyds Bank Direct Investments 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.
You can get more information on the FSCS on their website: fscs.org.uk.
Important legal information
Ready-Made Investments is provided by Embark Investment Services Limited, a wholly owned subsidiary of Embark Group Limited. Embark Investment Services Limited is incorporated in England and Wales (company number 09955930) with its registered Office at 100 Cannon Street, London, EC4N 6EU. Embark Investment Services Limited is authorised and regulated by the Financial Conduct Authority (Reg No 737356).
The Lloyds Bank Direct Investments Service is operated by Halifax Share Dealing Limited. Registered Office: Trinity Road, Halifax, West Yorkshire, HX1 2RG. Registered in England and Wales no. 3195646. Halifax Share Dealing Limited is authorised and regulated by the Financial Conduct Authority under registration number 183332. A Member of the London Stock Exchange and an HM Revenue & Customs Approved ISA Manager.
