Start investing with Ready-Made Investments

05 June 2017

Ready-made Investments could offer a one-stop solution for investors who lack the time or knowledge to choose from a wide range of assets.

The value of investments can fall as well as rise and you could get back less than you invest. If you’re not sure about investing, seek independent advice.

What you’ll learn:

  • How investing for income and growth differ.
  • How our Ready-made Investments can provide a simple solution to building a diversified portfolio.
  • How on-going management may benefit your portfolio.

Deciding between various types of investment assets, including bonds, shares, commodities, and cash can be difficult - even for the most experienced investors.

If you have little time to spare, the process is even harder, which is why opting for a convenient ‘one-stop’ solution can make things much easier.

Our Ready-made Investments take the work out of making investment decisions by enabling Barclays’ experts to place your money across a range of assets on your behalf.

They are a simple way to spread the risk and - if you haven’t done so already - start your investing journey, by making the most of opportunities across different assets.

Investment choice

You have the choice of five growth or two income Ready-made Investments, offering a diversified mix of assets to suit different objectives and attitudes to risk. You will not need to manage these investments yourself, as Barclays’ experts do the work, researching and selecting the underlying investments for each of the funds.

The balance of the assets held in the fund will reflect the risk profile of the investment that you choose, and generally speaking, the larger the proportion of shares held, the riskier an investment it is considered to be.

Our Ready-made Investments make it easier to choose between more cautious or adventurous investments, with five risk profiles for growth funds, and two for income funds.

Depending on market and economic conditions, our experts will allocate money between different asset classes with a view to trying to produce the best returns consistent with the level of risk for the fund chosen . Remember that investments can fall as well as rise in value and you could still get back less than you invest.

Find out how Ready-made Investments can make investing easier

Growth or income?

When choosing which Ready-made Investment is right for you, you’ll need to decide whether you are investing for growth, or whether you require an income. Growth investments, as the name suggests, focus on capital gains, investing in six asset classes:

  • Cash or short-term maturity bonds
  • Developed government bonds
  • Investment grade bonds
  • High yield and emerging market bonds
  • Developed market equities
  • Emerging market equities

By investing for the long-term of over five years or more, if there is a market downturn, hopefully your investment will have longer to recover.

Alternatively, if you are seeking a regular income from your investment, you could choose a fund that invests in income generating assets. The income available to investors can be higher than the interest rates available on cash savings accounts.

However, there are no guarantees that income payouts will remain consistent. Like the value of the investments that produce them, the level of income payments can fall as well as rise. You could lose money, and past performance is not a reliable guide to what might happen in the future.

Find out more about investing for income and investing for growth

On-going management

Once you’ve chosen your ready-made investment, our experts put money into a wide range of assets, aiming to get the blend of shares, bonds, cash and other asset classes right, and will monitor the portfolio of investments on a daily basis.

This helps achieve diversification by getting a good blend across a range of assets, making ready-made investments a good place for investors who would rather sit back and let somebody else do the work.

Whatever type of ready-made investment you choose, remember that all investments, and any income from them, can fall as well as rise in value and you may get back less than you invested.

Find out more about our Ready-made Investments

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