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Ready-made Investments

A straight-forward way to invest

What are Ready-made Investments?

Our five Ready-made Investment funds are designed to provide a straight-forward way to start investing.

When you invest in a Ready-made Investment, your money is used to buy a selection of investments chosen by a fund manager. Each one contains a mixture of investment types (cash, shares and bonds) from across the world. The combination is different for each Ready-made Investment based on the level of return it’s hoping to achieve and the corresponding level of riskier investments it holds. It means, whichever one you choose, your eggs aren’t all in one basket.

All you have to do is choose a Ready-made Investment that you feel suits you and what you’re hoping to achieve.

Remember, the value of investments can fall as well as rise and you might not get back what you invest. On this page you’ll find information about our Ready-made Investments to help you decide if they’re right for you and tips on how to get started. You won’t find personal financial advice, so if you’re unsure about investing, seek independent financial advice.

Why choose Ready-made Investments?

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Five options to choose from

To help you choose one that might be right for you, our five Ready-made Investments range from defensive to adventurous. All you have to do is pick one that you feel matches you as an investor.

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Created by professionals

You don’t need to be an expert because our team of investment professionals have carefully put these funds together. They also continually monitor them to make sure they’re meeting their objectives.

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Over 300 years of experience

Investing has moved into the digital age but, with Barclays, that’s combined with generations of experience and know-how.

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Access to Smart Investor

You’ll be able to access the full range of Smart Investor tools, articles and resources as well as browse through thousands of investment options available to buy.

How does it work?

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Decide which Ready-made Investment is right for you

Think about what you’re hoping to achieve with your investments and about how you’d feel watching the value of your investments go up and down. This will help you decide if a Ready-made Investment might be right for you and if so, which one – Defensive, Cautious, Balanced, Growth or Adventurous.

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Open an account and pay in some money

To buy your chosen Ready-made Investment you first need to open a Smart Investor Investment ISA, Investment Account or Self-Invested Personal Pension (SIPP) and then pay in some money. Or you can use an existing Smart Investor account. You don’t have to invest a lump-sum straightaway because you can set up regular payments into your account as well as regular purchases of your chosen Ready-made Investment.

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Buy your Ready-made Investment

Once you’ve paid some money in, you just need to login to Smart Investor and, on the Ready-made Investments page, buy your chosen fund. You can also track the performance of your investment in Smart Investor.

While there can be benefits to investing regularly rather than as a lump sum, you should remember the impact fees have on your investment. If you’re only investing small amounts each month, the minimum monthly fee and transaction costs could make it expensive and the charges could exceed any return.

How much do Ready-made Investments cost?

Fund manager fee

0.45% per year (OCF – Ongoing Charges Figure*)

Our Smart Investor customer fee: 0.20% per year or a minimum of £4 per month

You also pay a transaction fee of £3 each time you invest, or only £1 if made as a regular investment.

*This is the cost of running the fund and is deducted from the value of the fund, not charged as a cash payment like the customer fee. Transaction costs will also be incurred by the fund. These aren’t included in the OCF.

Representative example

Holding value

Total ongoing cost (excluding fund transaction costs)

£5,000

£5.88 per month

£10,000

£7.75 per month

£15,000

£9.63 per month

Transaction fees apply every time you buy or sell investments

Need some help?

Call us

If you have any questions, you can give us a call on 0800 279 36671