Ready-Made Investments

Simplify investing - choose the style that fits you best and we’ll do the rest. With lower fund charges and expert support, it’s a smart way to invest with the potential to grow your money.

Get started with investing

Key benefits

For existing Bank of Scotland customers only. It's easy to become a customer - open an account.

See how our funds compare

Our ongoing fund charges are some of the lowest on the market, so more of your money is invested.

This graph shows ongoing charges only - from a selection of comparable competitor’s fund offerings. Other account fees and charges also apply. We sourced the data from competitor websites, correct as of 11 November 2025.

Ongoing charges fees comparison overview expandable section

Ongoing charges fees comparison overview

Bank of Scotland - Ready-Made Investments	0.10%
BlackRock - MyMap	0.17%
HSBC - Global Strategy Portfolios	0.18% - 0.24%
Vanguard - Life Strategys	0.22% - 0.24%
NatWest - Invest	0.39% - 0.40%
Barclays - Ready-Made Investments	0.45%
AJ Bell - Growth, Responsible Growth and Income Funds	0.31% - 0.50%
L&G - Multi-Index Funds	0.31% - 0.70%
Aviva - Multi-Asset Funds	0.15% - 0.88%

Please remember that the value of investments and the income from them can fall as well as rise, and you may get back less than you invest. If you’re not sure about investing, seek financial advice. There will normally be a charge for that advice. Tax treatment depends on individual circumstances and may be subject to change in the future.

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.

Video length 2 mins 17 secs.

Our three funds

For more information about the three funds, read our fund range and investments guide (PDF, 261KB). This document provides details on how our charges work, including transaction costs and other charges. You can also learn more about risk and the investment process.

A £3 account fee also applies when buying and selling funds. The charges shown here do not include transaction costs. The fund’s performance may differ.

Investments are sold at a minimum value of £10. All remaining sales proceeds will be held as cash in your account after the £3 fee is paid. The cash will continue to accrue 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.

Source of data: FE Fundinfo

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 refer to the past, and 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 will get the price given on the next available valuation point for this fund, which could be higher or lower than the price shown above.

Changes in performance - by year expandable section

Remember that the data in this table refers to the past. Past performance is not a reliable indicator of future results.

Date	Cautious	Balanced	Adventurous
Date 30 September 2024 to 30 September 2025	Cautious 6.0%	Balanced 9.2%	Adventurous 13.3%
Date 30 September 2023 to 30 September 2024	Cautious 13.6%	Balanced 15.4%	Adventurous 16.9%
Date 30 September 2022 to 30 September 2023	Cautious 5.3%	Balanced 6.8%	Adventurous 8.3%
Date 30 September 2021 to 30 September 2022	Cautious -14.2%	Balanced -9.6%	Adventurous -6.7%
Date 30 September 2020 to 30 September 2021	Cautious 7.2%	Balanced 13.5%	Adventurous 19.0%

Example of annual charges expandable section

There is a flat-rate account fee of £3 a month.

Ongoing charge and transaction costs are calculated on an ongoing basis and built into the value of the fund.

What are the charges?

Cautious - £3 monthly account fee + 0.21% (0.1% ongoing charge + 0.11% transaction cost).
Balanced - £3 monthly account fee + 0.22% (0.1% ongoing charge + 0.12% transaction cost).
Adventurous - £3 monthly account fee + 0.22% (0.1% ongoing charge + 0.12% transaction cost).

If your investment was worth	Cautious	Balanced	Adventurous
If your investment was worth £1,000	Cautious £38.10	Balanced £38.20	Adventurous £38.20
If your investment was worth £5,000	Cautious £46.50	Balanced £47.00	Adventurous £47.00
If your investment was worth £10,000	Cautious £57.00	Balanced £58.00	Adventurous £58.00
If your investment was worth £20,000	Cautious £78.00	Balanced £80.00	Adventurous £80.00

What is a fund? expandable section

A fund is a collection of assets created by investment experts (Fund Managers). These can be made up of shares, bonds, property or even cash.

Investing in a fund with a wide range of assets could offer potential growth over time, while also helping to reduce any risk.

Before you apply

Make sure you’ve read the terms and conditions (PDF, 217KB) and relevant key features document:

Key features document Investment ISA (PDF, 145KB)

Key features document Investment Account (PDF, 137KB).

To apply, you must:

be at least 18 years old
be a UK resident and UK taxpayer
not be a US person.

Want to start investing but not a Bank of Scotland customer yet?

Get started with one of our accounts.

Apply for a Ready-Made Investment