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Ready-made Investments

A straight-forward way to invest

What are Ready-made Investments?

If you’re ready to invest but are short on time or need some help, you might want to consider one of our five ready-made investment funds. You don’t need to be an expert – our team of professionals create and monitor our funds. Just choose the one which sounds most like you and start your investment journey today. Check if you’re ready to invest.

1. Select fund

Read about our five funds, their characteristics and choose the one that sounds most like you

2. Open account

Once you’ve chosen, simply follow a few steps to open and fund your account, then you’ll be ready to buy your Ready-made Investment

3. Sit back and relax

Let our experts take care of the hard stuff – they’ll ensure the fund continues to perform in-line with its characteristics

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. If you’re unsure about investing, seek independent financial advice, as we can’t provide it.

Your investment match

We like to keep investing simple. We created the following five funds (and their characteristics) to do exactly that. Just like us, each acts in a different way, so if one sounds like what you are looking for, it might be the one to choose.

When you invest, you’re looking to boost the return on your money but should understand that alongside the chance of a bigger reward, comes the potential for bigger losses and a bumpier ride along the way – that’s “risk” – so bear this in mind when choosing your fund. In general, cash is the least risky and shares are the riskiest, with bonds sitting in between. Learn more about asset allocation.

Choose your risk appetite
  • Defensive

    Defensive

    • Risk level: Our lowest risk fund, but there’s no such thing as risk free
    • It contains: 63% cash, 20% bonds and 17% shares. These numbers may change as our experts make the most of short-term opportunities.
    • It’s like: Riding a bike with the stabilisers on
    Image of portfolio chart - please see the accessible table version further down the page.

    We want to make it easy to understand what costs and charges mean for you, so in the graph below, we’ve shown the returns on a £5,000 investment after all our fees.

    Graph showing the total returns minus all costs and charges we apply over a 5 year period beginning March 31st 2015 for Global Markets 1 (Defensive).

    Discrete 5 year performance (%) - Please note performance shown above will give slightly different results than the below as we have also subtracted the fees we charge. 

    Discrete 5 year performance (%)

    Year from 30 June

    2015-16

    2016-17

    2017-18

    2018-19

    2019-20

    Global Markets 1

    1.71%

    5.14%

    1.35%

    3.58%

    2.89%

    Past performance isn’t a reliable indicator of future performance.

    Looking for the nuts and bolts? We’ve put together these documents that you should read before you invest.

    KIID [PDF, 183KB], Factsheet [PDF, 228KB]

    They’ll tell you about the fund, explain how our experts have created it and its associated risks.

    Just to let you know – you can sell your fund and access your proceeds at any time but remember your investment should be for the long term (at least five years) and you could get back less than you invested.

    How much will your Ready-made Investment cost?

    The total cost is the combination of our product, customer and transaction fees.

    Product fees = 0.45% per year*. The ongoing cost of managing your investment.

    Customer fees = 0.2% per year or a minimum of £4 per month. The cost of running your account and safekeeping your investments.

    Online transaction fees = £3 or £1 if made as a regular investment. The cost you’ll pay every time you buy or sell an investment.

    *This cost is deducted from the value of the fund, not charged as a cash payment like the customer fee. When a fund buys and sells assets it will also incur Transaction costs. These aren’t included in the product fees.

    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

    Ready to buy?

    Open a new Smart Investor account

    You can choose from two types of account. Once your account is open, you can buy your chosen Ready-made Investment.

    Investment ISA

    The most common account people chose when they start to invest.

    You can pay in up to £20,000 per tax year

    Any returns you make are tax-free.

    Tax rules can change in future and their effects on you will depend on your individual circumstances.

    Investment Account

    A flexible account which you might want to consider if you’ve already used your ISA allowance for the current tax year OR you’re already paying into an ISA with another provider.

    No limits on the amount you can invest.

    The return you make on your investments will be taxable but there are allowances that may mean you don’t pay tax anyway or it is reduced.

    Smart Investor is an investment service for UK residents aged 18 or over. The service is not available to US persons, even if they are resident in the UK.

    Already have a Smart Investor account?

    You can buy this Ready-made Investment using an existing account.

    Remember, 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.

  • Cautious

    Cautious

    • Risk level: Slightly higher than Defensive, but still at the lower end of the spectrum
    • It contains: 30% cash, 35% bonds and 35% shares. These numbers may change as our experts make the most of short-term opportunities.
    • It’s like: Taking the stabilisers off your bike – you might wobble slightly, but it’s not too dangerous
    Image of portfolio chart - please see the accessible table version further down the page.

    We want to make it easy to understand what costs and charges mean for you, so in the graph below, we’ve shown the returns on a £5,000 investment after all our fees.

    Graph showing the total returns minus all costs and charges we apply over a 5 year period beginning March 31st 2015 for Global Markets 2 (Cautious).

    Discrete 5 year performance (%) - Please note performance shown above will give slightly different results than the below as we have also subtracted the fees we charge. 

    Discrete 5 year performance (%)

    Year from 30 June

    2015-16

    2016-17

    2017-18

    2018-19

    2019-20

    Global Markets 2

    1.96%

    9.45%

    2.83%

    5.50%

    3.52%

    Past performance isn’t a reliable indicator of future performance.

    Looking for the nuts and bolts? We’ve put together these documents that you should read before you invest.

    KIID [PDF, 183KB], Factsheet [PDF, 228KB]

    They’ll tell you about the fund, explain how our experts have created it and its associated risks.

    Just to let you know – you can sell your fund and access your proceeds at any time but remember your investment should be for the long term (at least five years) and you could get back less than you invested.

    How much will your Ready-made Investment cost?

    The total cost is the combination of our product, customer and transaction fees.

    Product fees = 0.45% per year*. The ongoing cost of managing your investment.

    Customer fees = 0.2% per year or a minimum of £4 per month. The cost of running your account and safekeeping your investments.

    Online transaction fees = £3 or £1 if made as a regular investment. The cost you’ll pay every time you buy or sell an investment.

    *This cost is deducted from the value of the fund, not charged as a cash payment like the customer fee. When a fund buys and sells assets it will also incur Transaction costs. These aren’t included in the product fees.

    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

    Ready to buy?

    Open a new Smart Investor account

    You can choose from two types of account. Once your account is open, you can buy your chosen Ready-made Investment.

    Investment ISA

    The most common account people chose when they start to invest.

    You can pay in up to £20,000 per tax year

    Any returns you make are tax-free.

    Tax rules can change in future and their effects on you will depend on your individual circumstances.

    Investment Account

    A flexible account which you might want to consider if you’ve already used your ISA allowance for the current tax year OR you’re already paying into an ISA with another provider.

    No limits on the amount you can invest.

    The return you make on your investments will be taxable but there are allowances that may mean you don’t pay tax anyway or it is reduced.

    Smart Investor is an investment service for UK residents aged 18 or over. The service is not available to US persons, even if they are resident in the UK.

    Already have a Smart Investor account?

    You can buy this Ready-made Investment using an existing account.

    Remember, 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.

  • Balanced

    Balanced

    • Risk level: Medium. Some uncertainty, but within your comfort zone.
    • It contains: 12% cash, 38% bonds and 50% shares. These numbers may change as our experts make the most of short-term opportunities.
    • It’s like: Riding a bike in the road, but still in the cycle lane
    Image of portfolio chart - please see the accessible table version further down the page.

    We want to make it easy to understand what costs and charges mean for you, so in the graph below, we’ve shown the returns on a £5,000 investment after all our fees.

    Graph showing the total returns minus all costs and charges we apply over a 5 year period beginning March 31st 2015 for Global Markets 3 (Balanced).

    Discrete 5 year performance (%) - Please note performance shown above will give slightly different results than the below as we have also subtracted the fees we charge. 

    Discrete 5 year performance (%)

    Year from 30 June

    2015-16

    2016-17

    2017-18

    2018-19

    2019-20

    Global Markets 3

    2.12%

    13.63%

    4.35%

    7.06%

    3.70%

    Past performance isn’t a reliable indicator of future performance.

    Looking for the nuts and bolts? We’ve put together these documents that you should read before you invest

    KIID [PDF, 183KB], Factsheet [PDF, 228KB]

    They’ll tell you about the fund, explain how our experts have created it and its associated risks.

    Just to let you know – you can sell your fund and access your proceeds at any time but remember your investment should be for the long term (at least five years) and you could get back less than you invested.

    How much will your Ready-made Investment cost?

    The total cost is the combination of our product, customer and transaction fees.

    Product fees = 0.45% per year*. The ongoing cost of managing your investment.

    Customer fees = 0.2% per year or a minimum of £4 per month. The cost of running your account and safekeeping your investments.

    Online transaction fees = £3 or £1 if made as a regular investment. The cost you’ll pay every time you buy or sell an investment.

    *This cost is deducted from the value of the fund, not charged as a cash payment like the customer fee. When a fund buys and sells assets it will also incur Transaction costs. These aren’t included in the product fees.

    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

    Ready to buy?

    Open a new Smart Investor account

    You can choose from two types of account. Once your account is open, you can buy your chosen Ready-made Investment.

    Investment ISA

    The most common account people chose when they start to invest.

    You can pay in up to £20,000 per tax year

    Any returns you make are tax-free.

    Tax rules can change in future and their effects on you will depend on your individual circumstances.

    Investment Account

    A flexible account which you might want to consider if you’ve already used your ISA allowance for the current tax year OR you’re already paying into an ISA with another provider.

    No limits on the amount you can invest.

    The return you make on your investments will be taxable but there are allowances that may mean you don’t pay tax anyway or it is reduced.

    Smart Investor is an investment service for UK residents aged 18 or over. The service is not available to US persons, even if they are resident in the UK.

    Already have a Smart Investor account?

    You can buy this Ready-made Investment using an existing account.

    Remember, 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.

  • Growth

    Growth

    • Risk level: Higher risk, designed for those who’ll take chances if the potential pay-outs are worth it
    • It contains: 5% cash, 28% bonds and 67% shares. These numbers may change as our experts make the most of short-term opportunities.
    • It’s like: Riding off-road – but making sure you’re wearing a helmet and knee pads
    Image of portfolio chart - please see the accessible table version further down the page

    We want to make it easy to understand what costs and charges mean for you, so in the graph below, we’ve shown the returns on a £5,000 investment after all our fees.

    Graph showing the total returns minus all costs and charges we apply over a 5 year period beginning March 31st 2015 for Global Markets 4 (Growth).

    Discrete 5 year performance (%) - Please note performance shown above will give slightly different results than the below as we have also subtracted the fees we charge. 

    Discrete 5 year performance (%)

    Year from 30 June

    2015-16

    2016-17

    2017-18

    2018-19

    2019-20

    Global Markets 4

    1.69%

    17.04%

    5.96%

    7.86%

    3.44%

    Past performance isn’t a reliable indicator of future performance.

    Looking for the nuts and bolts? We’ve put together these documents that you should read before you invest.

    KIID [PDF, 183KB], Factsheet [PDF, 228KB]

    They’ll tell you about the fund, explain how our experts have created it and its associated risks.

    Just to let you know – you can sell your fund and access your proceeds at any time but remember your investment should be for the long term (at least five years) and you could get back less than you invested.

    How much will your Ready-made Investment cost?

    The total cost is the combination of our product, customer and transaction fees.

    Product fees = 0.45% per year*. The ongoing cost of managing your investment.

    Customer fees = 0.2% per year or a minimum of £4 per month. The cost of running your account and safekeeping your investments.

    Online transaction fees = £3 or £1 if made as a regular investment. The cost you’ll pay every time you buy or sell an investment.

    *This cost is deducted from the value of the fund, not charged as a cash payment like the customer fee. When a fund buys and sells assets it will also incur Transaction costs. These aren’t included in the product fees.

    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

    Ready to buy?

    Open a new Smart Investor account

    You can choose from two types of account. Once your account is open, you can buy your chosen Ready-made Investment.

    Investment ISA

    The most common account people chose when they start to invest.

    You can pay in up to £20,000 per tax year

    Any returns you make are tax-free.

    Tax rules can change in future and their effects on you will depend on your individual circumstances.

    Investment Account

    A flexible account which you might want to consider if you’ve already used your ISA allowance for the current tax year OR you’re already paying into an ISA with another provider.

    No limits on the amount you can invest.

    The return you make on your investments will be taxable but there are allowances that may mean you don’t pay tax anyway or it is reduced.

    Smart Investor is an investment service for UK residents aged 18 or over. The service is not available to US persons, even if they are resident in the UK.

    Already have a Smart Investor account?

    You can buy this Ready-made Investment using an existing account.

    Remember, 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.

  • Adventurous

    Adventurous

    • Risk level: Our highest risk fund – it’s for those who can afford to take the biggest risk of loss for the chance of getting the biggest reward
    • It contains: 3% cash, 17% bonds and 80% shares. These numbers may change as our experts make the most of short-term opportunities.
    • It’s like: riding down a mountain – you could suffer serious harm but the exhilaration could be worth it
    Image of portfolio chart - please see the accessible table version further down the page.

    We want to make it easy to understand what costs and charges mean for you, so in the graph below, we’ve shown the returns on a £5,000 investment after all our fees.

    Graph showing the total returns minus all costs and charges we apply over a 5 year period beginning March 31st 2015 for Global Markets 5 (Adventurous)

    Discrete 5 year performance (%) - Please note performance shown above will give slightly different results than the below as we have also subtracted the fees we charge. 

    Discrete 5 year performance (%)

    Year from 30 June

    2015-16

    2016-17

    2017-18

    2018-19

    2019-20

    Global Markets 5

    1.67%

    19.11%

    6.88%

    8.15%

    3.17%

    Past performance isn’t a reliable indicator of future performance.

    Looking for the nuts and bolts? We’ve put together these documents that you should read before you invest.

    KIID [PDF, 182KB], Factsheet [PDF, 228KB]

    They’ll tell you about the fund, explain how our experts have created it and its associated risks.

    Just to let you know – you can sell your fund and access your proceeds at any time but remember your investment should be for the long term (at least five years) and you could get back less than you invested.

    How much will your Ready-made Investment cost?

    The total cost is the combination of our product, customer and transaction fees.

    Product fees = 0.45% per year*. The ongoing cost of managing your investment.

    Customer fees = 0.2% per year or a minimum of £4 per month. The cost of running your account and safekeeping your investments.

    Online transaction fees = £3 or £1 if made as a regular investment. The cost you’ll pay every time you buy or sell an investment.

    *This cost is deducted from the value of the fund, not charged as a cash payment like the customer fee. When a fund buys and sells assets it will also incur Transaction costs. These aren’t included in the product fees.

    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

    Ready to buy?

    Open a new Smart Investor account

    You can choose from two types of account. Once your account is open, you can buy your chosen Ready-made Investment.

    Investment ISA

    The most common account people chose when they start to invest.

    You can pay in up to £20,000 per tax year

    Any returns you make are tax-free.

    Tax rules can change in future and their effects on you will depend on your individual circumstances.

    Investment Account

    A flexible account which you might want to consider if you’ve already used your ISA allowance for the current tax year OR you’re already paying into an ISA with another provider.

    No limits on the amount you can invest.

    The return you make on your investments will be taxable but there are allowances that may mean you don’t pay tax anyway or it is reduced.

    Smart Investor is an investment service for UK residents aged 18 or over. The service is not available to US persons, even if they are resident in the UK.

    Already have a Smart Investor account?

    You can buy this Ready-made Investment using an existing account.

    Remember, 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.

Other ways to invest

Always remember that investments can fall in value. You may get back less than you invest.

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Plan & Invest

Plan & Invest is a new service which creates and manages a personalised Investment Plan just for you. Whether your long-term goal is your child’s university education, retirement or just building a nest egg, all you have to do is tell us a bit about yourself and then, if you’re ready to invest, let our experts select and manage your investments.

View the accessible version of our charts

Need some help?

Call us

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