Ready-made Investments

With a ready-made investment, you can 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.

Find out more and apply

Compare our funds

Managed Growth Fund 2 Managed Growth Fund 4 Managed Growth Fund 6
Risk level Low Medium High
Asset types Donut graph Donut graph Donut graph
Shares 25% 49% 75%
Bond & Gilts 60.5% 36.5% 15%
Property 8.5% 8.5% 5%
Other 6% 6% 5%
Discrete performance
31/12/2013 - 31/12/2014 N/A N/A N/A
31/12/2014 - 31/12/2015 1.2% 0.8% 1.2%
31/12/2015 - 31/12/2016 11.5% 12.8% 15.7%
31/12/2016 - 31/12/2017 5.5% 8.2% 10.5%
31/12/2017 - 31/12/2018 -3.4% -5.7% -7.2%
5 year annualised return
(as of 31st March 2019)
5.10% 5.06% 5.80%
Key documents View the KIID (PDF)
View the factsheet (PDF)
View the KIID (PDF)
View the factsheet (PDF)
View the KIID (PDF)
View the factsheet (PDF)

Source: FE as at 31/03/2019

Past performance is not a guide to future performance. Investment value and income from it may fall as well as rise, as a result of market and currency movements. You may not get back the amount originally invested.

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 0.32%
  • and transaction costs which vary depending on the fund but are not greater than 0.21%.

For example, for every £1,000 you invest, you’ll currently pay £7.40 in charges if you select our Managed Growth Fund 2.

Apply for a ready-made investment

To apply for a ready-made investment, you’ll need to be:

  • An existing Internet Banking customer.
  • A UK resident or a crown employee serving overseas (or spouse / civil partner of).
  • Using a tablet, laptop or desktop as some parts of our application are incompatible with mobile devices.

Find out more and apply

View our full range of investments

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 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.

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