Investment Account

What is a managed growth fund?

Our Investment Account allows you to invest in three managed funds but does not benefit from the same tax efficiency as an ISA. A fund pools together the money from many individuals. The fund manager then uses it to invest in a broad range of assets which can change, and are selected based on the objectives of the fund. To learn more about risk, please read our guide on understanding risk.

Open an account

The value of an investment can fall as well as rise, and you may get back less than you invest. If you are not sure about investing, seek independent advice.

Why choose an Investment Account?

If you have some spare cash to invest for at least five years, or you'd like to put some money away each month, our Investment Account can make your savings work harder.

With our Investment Account you can benefit from:

  • Flexible investment – choose to invest a lump sum, put some money away each month, or both.
  • Professional fund managers – our experts choose where to invest your money, so you don't have to.
  • Controlled risk level – choose from our range of funds to suit your needs.

 

Keep in mind:

  • The value of investments can go down as well as up so you may not get back the money you invest.
  • We will not offer any financial advice or make recommendations about where to invest your money, so make sure you fully understand the risks, charges, terms and investment objectives of the funds before making any decisions.
  • There are charges based on the value of your investment each year. An Ongoing Charge of a maximum of 0.37%, a service fee of 0.24% and transaction costs which vary depending on the fund but are not greater than 0.25%.

Low risk, low return - Managed Growth Fund 2

Investing in Managed Growth Fund 2 could be right for you if you're looking for a low risk investment with a corresponding low return.

Summary

  • Like all investments, the value of this fund can go down as well as up, so you could get back less than you invested.
  • We invest in a wide variety of non-cash assets on your behalf.
  • You can take your money out at any time but bear in mind this investment is designed to be held for the medium to long-term (that’s at least 5-10 years).
  • You can invest a lump sum (min. £2,000), invest monthly (min. £100), or a combination of the two. Once you've invested, you can make lump sum top-ups of £250+ at any time.

Charges

There are charges based on the value of your investment each year. An Ongoing Charge of a maximum of 0.37%, a service fee of 0.24% and transaction costs which vary depending on the fund but are not greater than 0.25%.

For more information on how these charges work in practice, please read Our Fund Range and Investments (PDF).

Past performance

As the value of different asset types goes up and down over time, it is a good idea to look at how investments have performed over at least the last 5 years.

This fund was launched on 26th March 2014 so there's no performance data available prior to this date. Past performance isn't a guarantee of future performance.

Discrete Performance

30/09/2017 - 30/09/2018 30/09/2016 - 30/09/2017 30/09/2015 - 30/09/2016 30/09/2014 - 30/09/2015 30/09/2013 - 30/09/2014
Managed Growth
Fund 2
1.8% 2.2% 13.7% 3.7% -

Apply for an Investment Account

If you do not have a Bank of Scotland account with Internet Banking facilities, you will need to open an account before investing. Some of our savings accounts can be opened online with a minimum deposit of as little as £1.

If you’re registered for Internet Banking, follow the link below to read some important information. You can then log in to your Internet Banking and apply.

If you are viewing this page on a mobile phone, please switch to a tablet, laptop or PC before applying.

Find out more and apply

What does this fund invest in?


Donut graph

Shares: 25%

Bonds and Gilts: 60.5%

Property: 8.5%

Other: 6%

How it's managed


This fund is managed by Scottish Widows. Their professional fund managers choose where to invest your money, so you don’t have to. They closely monitor the fund and make decisions about what it invests in to make sure that it meets its risk profile and goals.

This fund is lower risk, so the fund managers mostly invest your money in lower-risk funds to spread any risk over a wide range of investments.

Your fund manager is:
David Winning

Medium risk, medium return – Managed Growth Fund 4

Investing in Managed Growth Fund 4 could be right for you if you’re looking for a moderate approach to risk and return.

Summary

  • Like all investments, the value of this fund can go down as well as up, so you could get back less than you invested.
  • We invest in a wide variety of non-cash assets on your behalf.
  • You can take your money out at any time but bear in mind this investment is designed to be held for the medium to long-term (that’s at least 5-10 years).
  • You can invest a lump sum (min. £2,000), invest monthly (min. £100), or a combination of the two. Once you've invested, you can make lump sum top-ups of £250+ at any time.

Charges

There are charges based on the value of your investment each year. An Ongoing Charge of a maximum of 0.37%, a service fee of 0.24% and transaction costs which vary depending on the fund but are not greater than 0.25%.

For more information on how these charges work in practice, please read Our Fund Range and Investments (PDF).

Past performance

As the value of different asset types goes up and down over time, it is a good idea to look at how investments have performed over at least the last 5 years.

This fund was launched on 26th March 2014 so there's no performance data available prior to this date. Past performance isn't a guarantee of future performance.

Discrete Performance

30/09/2017 - 30/09/2018 30/09/2016 - 30/09/2017 30/09/2015 - 30/09/2016 30/09/2014 - 30/09/2015 30/09/2013 - 30/09/2014
Managed Growth
Fund 4
3.3% 6.3% 14.2% 0.5% -

Apply for an Investment Account

If you do not have a Bank of Scotland account with Internet Banking facilities, you will need to open an account before investing. Some of our savings accounts can be opened online with a minimum deposit of as little as £1.

If you’re registered for Internet Banking, follow the link below to read some important information. You can then log in to your Internet Banking and apply.

If you are viewing this page on a mobile phone, please switch to a tablet, laptop or PC before applying.

Find out more and apply

What does this fund invest in?


Donut graph

Shares: 49%

Bonds and Gilts: 36.5%

Property: 8.5%

Other: 6%

How it's managed


This fund is managed by Scottish Widows. Their professional fund managers choose where to invest your money, so you don’t have to. They closely monitor the fund and make decisions about what it invests in to make sure that it meets its risk profile and goals.

This fund is medium risk. The fund managers mostly invest your money across a mix of shares and bonds and gilts.

Your fund manager is:
David Winning

High risk, high return – Managed Growth Fund 6

Investing in Managed Growth Fund 6 could be right for you if you’re prepared to accept a higher degree of risk for the potential of higher returns.

Summary

  • Like all investments, the value of this fund can go down as well as up, so you could get back less than you invested.
  • We invest in a wide variety of non-cash assets on your behalf.
  • You can take your money out at any time but bear in mind this investment is designed to be held for the medium to long-term (that’s at least 5-10 years).
  • You can invest a lump sum (min. £2,000), invest monthly (min. £100), or a combination of the two. Once you've invested, you can make lump sum top-ups of £250+ at any time.

Charges

There are charges based on the value of your investment each year. An Ongoing Charge of a maximum of 0.37%, a service fee of 0.24% and transaction costs which vary depending on the fund but are not greater than 0.25%.

For more information on how these charges work in practice, please read Our Fund Range and Investments (PDF).

Past performance

As the value of different asset types goes up and down over time, it is a good idea to look at how investments have performed over at least the last 5 years.

This fund was launched on 26th March 2014 so there's no performance data available prior to this date. Past performance isn't a guarantee of future performance.

Discrete Performance

30/09/2017 - 30/09/2018 30/09/2016 - 30/09/2017 30/09/2015 - 30/09/2016 30/09/2014 - 30/09/2015 30/09/2013 - 30/09/2014
Managed Growth
Fund 6
5.2% 10.0% 16.9% -1.7% -

Apply for an Investment Account

If you do not have a Bank of Scotland account with Internet Banking facilities, you will need to open an account before investing. Some of our savings accounts can be opened online with a minimum deposit of as little as £1.

If you’re registered for Internet Banking, follow the link below to read some important information. You can then log in to your Internet Banking and apply.

If you are viewing this page on a mobile phone, please switch to a tablet, laptop or PC before applying.

Find out more and apply

What does this fund invest in?


Donut graph

Shares: 75%

Bonds and Gilts: 15%

Property: 5%

Other: 5%

How it's managed


This fund is managed by Scottish Widows. Their professional fund managers choose where to invest your money, so you don’t have to. They closely monitor the fund and make decisions about what it invests in to make sure that it meets its risk profile and goals.

This fund is higher risk. The fund managers mostly invest your money in shares.

Your fund manager is:
David Winning