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Jump start your investment journey with ready-made investments

07 December 2020

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 our Ready-made Investments can provide a simple solution to building a diversified portfolio.
  • The importance of asset allocation and diversification.
  • 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 letting 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 different Ready-made Investments, offering a diversified mix of assets to suit different objectives and attitudes to risk and reward. You won’t 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 funds each carrying a different risk profile.

Depending on market and economic conditions, our experts will allocate money between different asset classes to try 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.

The importance of diversification

Investing in just one type of investment or ‘asset class’ is risky. If that particular asset class performs well, you’re likely to see good returns, but if it performs badly, your whole investment is at risk.

One way to protect yourself from this risk is to also invest in other types of assets that may perform well when others don’t and vice versa. Investing in a range of different types of investments can help you avoid too much exposure in any one area. It’s what’s known as diversification. Ready-made Investments aim to give you a diversified portfolio that spreads your investments across different types of assets and different geographies.

The Barclays range of ready-made investments balance a range of attitudes to risk and reward, whether you are most comfortable with low risk and growth, or want to take greater risk for potentially higher returns.

Each Ready-made Investment aims to increase the value of your investments over time, using a broad mix of asset classes from across the globe. We use a combination of index tracking funds which keeps costs low for you.

Once you’ve decided on the risk and reward balance you’re comfortable with and you’ve selected the appropriate Ready-made Investment, Barclays’ Investment experts will manage your investment in line with the features described in its Key Investor Information document.

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.

Each Ready-made Investment is a choice from a range of Barclays funds that invest in different areas and types of investment around the world according to our Strategic Asset Allocation model. Asset allocation is the way investments are organised across broad types, such as shares and bonds. Our Strategic Asset Allocation model is the mix of assets that we believe has the best chance of achieving specified financial goals over the longer term.

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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The value of investments can fall as well as rise. You may get back less than you invest. Tax rules can change and their effects on you will depend on your individual circumstances.

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