Investment ISA

Our Investment ISA is a Stocks & Shares ISA that invests your money into our ready-made funds.

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.

Find out more and apply

With our Investment ISA 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:

  • 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.
  • Tax treatment depends on your individual circumstances and may change.
  • 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.
    • You can transfer money in from an existing cash or stocks and shares ISA to preserve its tax-efficient status.

    Charges

    Our charges are based on the value of your total investment and are paid each year. They include:

    • a service fee of 0.24%
    • A maximum Ongoing Charge of 0.32%, 
    • and transaction costs which vary depending on the fund but are not greater than 0.21%.

    For every £1,000 you invest, you'll currently pay up to £8.60 in charges.

    Find out more about how our charges work.

    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

    31/12/2017 - 31/12/2018

    31/12/2016 - 31/12/2017

    31/12/2015 - 31/12/2016

    31/12/2014 - 31/12/2015

    31/12/2013 - 31/12/2014

    31/12/2017 - 31/12/2018

    Managed Growth Fund 4

    31/12/2016 - 31/12/2017

    -5.7%

    31/12/2015 - 31/12/2016

    8.2%

    31/12/2014 - 31/12/2015

    12.8%

    31/12/2013 - 31/12/2014

    0.8%

    -

    Source: FE as at 31/12/2018

    (28 Feb 2019)

    (28 Feb 2019)

    3yr Annualised return

    6.81%

    Apply for an Investment ISA

    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.

    Open an account

    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.
    • You can transfer money in from an existing cash or stocks and shares ISA to preserve its tax-efficient status.

    Charges

    Our charges are based on the value of your total investment and are paid every year. They include:

    • a service fee of 0.24%
    • A maximum Ongoing Charge of 0.32%
    • and transaction costs which vary depending on the fund but are not greater than 0.21%.

    Find out more about how our charges work.

    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

    31/12/2017 - 31/12/2018

    31/12/2016 - 31/12/2017

    31/12/2015 - 31/12/2016

    31/12/2014 - 31/12/2015

    31/12/2013 - 31/12/2014

    31/12/2017 - 31/12/2018

    Managed Growth Fund 6

    31/12/2016 - 31/12/2017

    -7.2%

    31/12/2015 - 31/12/2016

    10.5%

    31/12/2014 - 31/12/2015

    15.7%

    31/12/2013 - 31/12/2014

    1.2%

    -

    Source: FE as at 31/12/2018

    (28 Feb 2019)

    (28 Feb 2019)

    3yr Annualised return

    8.52%

    Apply for an Investment ISA

    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.

    Open an account

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

    Your fund manager is:
    David Winning

Low risk, low return - Managed Growth Fund 2

Investing in Managed Growth Fund 2 could be right for you if you're looking for 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.
  • You can transfer money in from an existing cash or stocks and shares ISA to preserve its tax-efficient status.

Low-cost Charges

Our charges are based on the value of your total investment and are paid every year. They include:

  • a service fee of 0.24%
  • a maximum Ongoing Charge of 0.32%
  • and transaction costs which vary depending on the fund but are not greater than 0.21%

For every £1,000 you invest, you'll currently pay up to £8.60 in charges.

Find out more about how the charges work

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

31/12/2017 - 31/12/2018

31/12/2016 - 31/12/2017

31/12/2015 - 31/12/2016

31/12/2014 - 31/12/2015

31/12/2013 - 31/12/2014

31/12/2017 - 31/12/2018

Managed Growth Fund 2

31/12/2016 - 31/12/2017

-3.4%

31/12/2015 - 31/12/2016

5.5%

31/12/2014 - 31/12/2015

11.5%

31/12/2013 - 31/12/2014

1.2%

-

Source: FE as at 31/12/2018

(28 Feb 2019)

(28 Feb 2019)

3yr Annualised return

5.22%

Apply for an Investment ISA

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.

Open an account

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

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