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Ready-made Investments

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.

How Ready-made investments work

  • Ready-made investments are an easier investment option.
  • Choose from either our Investment Account or for a tax efficient option, our Investment ISA.
  • Complete an online application in minutes then select your fundsFunds are managed by professionals and pool investors' money together and invest on their behalf. Since your investment can be spread over a range of different stock markets, sectors and investment types, the risk involved may be reduced.. The experts will take care of the rest.

Investing vs Saving

  • Cash savings grow steadily but slowly and can be accessed easily. 
  • Your savings may be impacted if the rate of return is lower than inflationInflation causes a rise in costs for goods and a drop in your purchasing power over a period of time. e.g. a pint of milk in 1990 was 25p whereas a pint of milk in 2020 would cost you 43p..
  • Investing can offer greater returns, but this is not guaranteed and your investments can fall as well as rise.

Why try it?

  • Easy - Fill in your application in minutes then allow our investment experts to do the rest.
  • Flexible - You can invest from £100 per month or a lump sum of £2,000.
  • Low Cost - Our ready-made funds offer some of the lowest charges in the market.

Your Money, Protected

Our Ready-made investments are protected up to a total of £85,000 by the Financial Services Compensation Scheme. This limit applies to the total of any investments held across Halifax Share Dealing Limited.

This is in addition to protection from any other current or savings accounts held with the group.


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.

Investment funds explained

1. What are investment funds?

Professional fund managers pool the money of investors to buy and hold a spread of different assets, helping you benefit from:

  • Spending less time and effort because investment experts do the work on your behalf.
  • Taking on risk that is more spread out without having to buy lots of different assets yourself.

2. What is an asset?

Funds are invested in 'assets'. There are four types of assets in our ready-made investments:

  • Shares - Buy a small slice of a company (such as Lloyds Banking Group).
  • Property - Invest in houses, business premises or in a fund containing these properties.
  • Bonds and Gilts - A loan made by investors to governments and companies paying out a fixed return.
  • Cash - Investors’ money can also be stored as cash too as a way to lower risk.

3. What’s the risk?

Consider the amount of risk you are happy to accept.

  • Low - a fund will hold more bonds and gilts meaning risk and potential growth will be lower.
  • Medium - An investment that offers more balance between lower risk assets (e.g. bonds) and higher risk assets (e.g. shares) so potential growth and risk may be more steady.
  • High - Shares will make up the majority of the fund. Investors who put money into higher risk funds look for potentially higher returns but accept the value of their investment can fall as well as rise a lot more.

Our ready-made investments

Managed Growth Fund 2

Fund manager approach: Cautious growth

Risk level: Lower

Asset breakdown:

Low risk donut graph

  Shares - 25%

  Bonds & Gilts - 60.5%

  Property - 8.5%

  Other - 6%


Charges:

For every £1,000 invested in this fund you would pay £6.50 in charges


Key documents:

Managed Growth Fund 2 KIID (PDF)
Factsheet (PDF)

Managed Growth Fund 4

Fund manager approach: Balanced growth

Risk level: Medium

Asset breakdown:



  Shares - 49%

  Bonds & Gilts - 36.5%

  Property - 8.5%

  Other - 6%


Charges:

For every £1,000 invested in this fund you would pay £6.20 in charges


Key documents:

Managed Growth Fund 4 KIID (PDF)
Factsheet (PDF)

Managed Growth Fund 6

Fund manager approach: Dynamic growth

Risk level: Higher

Asset breakdown:

Higher risk donut graph

  Shares - 75%

  Bonds & Gilts - 15%

  Property - 5%

  Other - 5%


Charges:

For every £1,000 invested in this fund you would pay £6.60 in charges


Key documents:

Managed Growth Fund 6 KIID (PDF)
Factsheet (PDF)

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

Our fund performance

Our funds were re-launched in September 2019. Because of this, there has not been a complete calendar year 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. 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.


5 Year Past Performance

Equivalent Investment Association sector

30 Sept 15 – 30 Sept 16

30 Sept 16 – 30 Sept 17

30 Sept 17 – 30 Sept 18

30 Sept 18 – 30 Sept 19

30 Sept 19 – 30 Sept 20

5 Year Annualised Performance

Equivalent Investment Association sector

Mixed Investment 0-35% Shares
(Managed Growth Fund 2)

30 Sept 15 – 30 Sept 16

10.25%

30 Sept 16 – 30 Sept 17

3.18%

30 Sept 17 – 30 Sept 18

1.17%

30 Sept 18 – 30 Sept 19

4.87%

30 Sept 19 – 30 Sept 20

0.35%

5 Year Annualised Performance

3.91%

Equivalent Investment Association sector

Mixed Investment 20-60% Shares
(Managed Growth Fund 4)

30 Sept 15 – 30 Sept 16

12.11%

30 Sept 16 – 30 Sept 17

6.15%

30 Sept 17 – 30 Sept 18

2.60%

30 Sept 18 – 30 Sept 19

4.01%

30 Sept 19 – 30 Sept 20

-1.19%

5 Year Annualised Performance

4.65%

Equivalent Investment Association sector

Mixed Investment 40-85% Shares
(Managed Growth Fund 6)

30 Sept 15 – 30 Sept 16

15.40%

30 Sept 16 – 30 Sept 17

9.09%

30 Sept 17 – 30 Sept 18

5.35%

30 Sept 18 – 30 Sept 19

4.20%

30 Sept 19 – 30 Sept 20

-0.19%

5 Year Annualised Performance

6.64%


Average return

Investment option

Average return each year

Based on these averages £5000 after 5 years grows to:

Investment option

Managed Growth Fund 2

Average return each year

3.91%

Based on these averages £5000 after 5 years grows to:

£5869.90 after charges

Investment option

Managed Growth Fund 4

Average return each year

4.65%

Based on these averages £5000 after 5 years grows to:

£6092 after charges

Investment option

Managed Growth Fund 6

Average return each year

6.64%

Based on these averages £5000 after 5 years grows to:

£6684 after charges

Investment option

Cash savings

Average return each year

*0.22%

Based on these averages £5000 after 5 years grows to:

£5,055

*Our cash savings comparison uses the average UK easy access savings rate as of 01/08/2020. Source: Moneyfacts Treasury Reports 

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.

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). 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