Ready-made Investments

Changes to our service

Like all businesses we have to work differently amid concerns regarding COVID-19 and prioritise the safety of our staff and customers. As a result we are temporarily stopping all applications from new customers.

We will review this decision regularly and will switch applications back on as soon as we can.

Existing customers can sign in and trade as usual.

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With interest rates still at all time lows, you might want to consider investing with the aim of making your money work harder for you.

If you haven’t invested before, or you prefer to leave it to the experts, our ready-made investments could be for you. We can help you get access to a wide range of markets without worrying about picking your own stocks and shares.

  • Choice – choose between three funds with a level of risk to suit you – high, medium or low risk. You can hold them in an Investment ISA (up to £20,000 per tax year) or an Investment Account.
  • Diversified – our ready-made investments give you exposure to a wide range of shares, bonds, property and more.
  • Flexible – put some money away each month (£100 minimum), invest a lump sum (£2,000 minimum), or both.

Our ready-made investments have been designed for you to hold for the medium to long-term so whilst there is no tie in period, you should aim to keep 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. 


Compare our funds

Managed Growth Fund 2

Managed Growth Fund 4

Managed Growth Fund 6

Managed Growth Fund 2

Risk level

Managed Growth Fund 4

Low

Managed Growth Fund 6

Medium

High

Managed Growth Fund 2

Asset types

Managed Growth Fund 4

 

Managed Growth Fund 6

 

Managed Growth Fund 2

 
Shares

Managed Growth Fund 4


25%

Managed Growth Fund 6


49%


75%

Managed Growth Fund 2

 
Bonds & Gilts

Managed Growth Fund 4


60.5%

Managed Growth Fund 6


36.5%


15%

Managed Growth Fund 2

 
Property

Managed Growth Fund 4


8.5%

Managed Growth Fund 6


8.5%


5%

Managed Growth Fund 2


Other

Managed Growth Fund 4


6%

Managed Growth Fund 6


6%


5%

Past Performance

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.

Mixed Investment
0-35% Shares

Mixed Investment
20-60% Shares

Mixed Investment
40-85% Shares

Mixed Investment0-35% Shares

31 Dec 14 – 31 Dec 15

Mixed Investment20-60% Shares

0.38%

Mixed Investment40-85% Shares

1.21%

2.66%

Mixed Investment0-35% Shares

31 Dec 15 – 31 Dec 16

Mixed Investment20-60% Shares

8.47%

Mixed Investment40-85% Shares

10.32%

12.87%

Mixed Investment0-35% Shares

31 Dec 16 – 31 Dec 17

Mixed Investment20-60% Shares

4.84%

Mixed Investment40-85% Shares

7.16%

9.98%

Mixed Investment0-35% Shares

31 Dec 17 – 31 Dec 18

Mixed Investment20-60% Shares

-3.35%

Mixed Investment40-85% Shares

-5.1%

-6.11%

Mixed Investment0-35% Shares

31 Dec 18 – 31 Dec 19

Mixed Investment20-60% Shares

8.7%

Mixed Investment40-85% Shares

11.84%

15.78%

Mixed Investment0-35% Shares

5 Year Annualised Performance

Mixed Investment20-60% Shares

3.70%

Mixed Investment40-85% Shares

4.90%

6.74%

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.

Mixed Investment
0-35% Shares

Mixed Investment
20-60% Shares

Mixed Investment
40-85% Shares

Mixed Investment0-35% Shares

Key documents

Mixed Investment20-60% Shares

Mixed Investment40-85% Shares

Read Our Fund Range and Investments for more information about the funds, including how they are managed, their risks and objectives, and a breakdown of the charges.

Low-cost charges

Charges are paid annually and are based on the value of your total investment. 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.

Applying for an account

Like all businesses we have to work differently amid concerns regarding COVID-19 and prioritise the safety of our staff and customers. As a result we are temporarily stopping all applications from new customers.

We will review this decision regularly and will switch applications back on as soon as we can.

Existing customers can sign in and trade as usual.

Log in to Internet Banking

FSCS Logo

 

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). 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.

Eligible investments are protected up to a total of £85,000 by the Financial Services Compensation Scheme.

Find out more