-

Choose Ready-made Investment funds

Below you’ll see a description of each of our five Ready-made Investment funds. In order to decide which one may be right for you, it’s important to understand the varying level of risk each one carries, which varies according to the different mix of investments each one holds. This mix is known as an asset allocation and is made up of different types of investments or asset classes.

For example, the Defensive Ready-made Investment fund is our lowest risk option because it’s made up of a greater proportion of bonds, which are generally more stable and therefore lower risk, than shares. It’s not entirely risk-free but it means the price movements are likely to be smaller and less frequent and as a result you’re likely to see less growth.

At the other end of the scale is our Adventurous Ready-made Investment fund. This is the highest risk option because it is made up predominantly of shares, which fluctuate in value more than bonds. This means price movements are likely to be greater and more frequent. This fund is aiming for as much growth as possible but you need to be comfortable with the increased volatility.

Choose your risk appetite
  • Defensive

    Barclays Wealth Global Markets 1

    This Ready-made Investment is a defensive fund and takes a low-risk approach. It aims for growth in the value of your investment in the medium to long term, while seeking to defend your capital. However, the value of your investments may still fall as well as rise. Its approach is to invest in a blend of passive funds giving you access to different asset classes from around the world. It invests mostly in cash and bonds, with some investments in shares, mostly in developed markets. This means a country or region that is developed in terms of its economy and financial markets, such as North America or Western Europe.

    Please note: The actual asset allocation may change due to intentional shifts we make to take advantage of short-term opportunities and risks, as we see them. View accessible versions of these charts below.

    You should read the Key Investor Information Documents (KIID) before choosing to invest in this fund. It contains important information about the fund, its asset allocation and associated risks.

    Remember, the value of the investments can fall as well as rise. You may not get back what you invest. We're not recommending Ready-made Investments as being suitable for you based on your personal circumstances. If you're unsure about this investment’s suitability for you, you should seek independent advice.

    KIID [PDF, 183KB], Factsheet [PDF, 188KB]

    The table shows the performance of the accumulation units of the fund. Past performance of investments isn’t a reliable indicator of their future performance.

    Discrete 5 year performance (%)

    Year from 31 January

    2019-20

    2018-19

    2017-18

    2016-17

    2015-16

    Global Markets 1

    4.30%

    -0.49%

    4.66%

    6.52%

    -2.07%

    Ready to buy?

    Do you already have a Smart Investor account or a current account with us?

    • The aim is to provide a modest capital growth over the medium to long term while seeking to defend capital.

      Barclays Wealth Global Markets 1 invests in a blend of passive funds to gain exposure to different asset classes from around the world. Find out more about passive and active investments.

      We determine the asset allocation using our short-term (tactical) and long-term (strategic) views of the performance of these asset classes.

      Identified by us as a market leader in passive portfolio management, we’ve partnered with BlackRock who will implement the fund’s asset allocation weights, as set out by us.

    • Cash investments can include certificates of deposit, Treasury bills and money market funds. Investing in cash is usually short-term (normally 90 days) and the return comes in the form of interest payments. The issuers of these investments could fail to pay interest and repay capital, but cash investments are generally considered to be very low risk and therefore generate low returns.

      Bonds are loans made to large organisations such as corporations, cities, and governments. The borrower commits to pay a fixed interest rate at regular intervals and to repay the initial investment within a defined period of time. There are many different types of bonds and they vary according to who issues them, time until maturity, interest rate, and risk. The main risk lies in the issuers’ being unwilling or unable to pay the interest or repay capital when due, but generally, bonds are considered some of the safest, or lower risk, investments available. As such they have a corresponding relatively low rate of return.

      Shares are usually traded on a stock market. Returns are sought in two ways: by an increase in the value of the shares over time and/or by the payment of dividends. A dividend is a sum of money paid by a company to shareholders, and is dependent on the company making a profit. Most shares give no rights to repayment of capital invested but they can generally be sold in the stock market. Market values can fall and if the issuing company becomes insolvent, shares may not be worth anything. Because the return on investment is linked to the performance of an individual company, shares are generally considered to be the riskiest of the three major asset classes, but they also offer the greatest potential for high returns.

  • Cautious

    Barclays Wealth Global Markets 2

    This Ready-made Investment choice means you’ll be taking more risk than Barclays Wealth Growth Markets 1. It aims to achieve better returns than cash over the longer term, but also seeks to reduce the risk of significant capital loss. It still has a high exposure to lower-risk assets, investing largely in bonds but also gives some exposure to shares, primarily developed market shares. This means a country or region that is developed in terms of its economy and financial markets, such as North America or Western Europe.

    Please note: The actual asset allocation may change due to intentional shifts we make to take advantage of short-term opportunities and risks, as we see them. View accessible versions of these charts below.

    You should read the Key Investor Information Documents (KIID) before choosing to invest in this fund. It contains important information about the fund, its asset allocation and associated risks.

    Remember, the value of the investments can fall as well as rise. You may not get back what you invest. We're not recommending Ready-made Investments as being suitable for you based on your personal circumstances. If you're unsure about this investment’s suitability for you, you should seek independent advice.

    KIID [PDF, 183KB], Factsheet [PDF, 188KB]

    The table shows the performance of the accumulation units of the fund. Past performance of investments isn’t a reliable indicator of their future performance.

    Discrete 5 year performance (%)

    Year from 31 January

    2019-20

    2018-19

    2017-18

    2016-17

    2015-16

    Global Markets 2

    7.86%

    -0.81%

    7.60%

    11.97%

    -3.75%

    Ready to buy?

    Do you already have a Smart Investor account or a current account with us?

    • The aim is to provide a modest capital growth over the medium to long term while seeking to defend capital.

      Barclays Wealth Global Markets 2 invests in a blend of passive funds to gain exposure to different asset classes from around the world. You can find out more about passive and active investments.

      We determine the asset allocation using our short-term (tactical) and long-term (strategic) views of the performance of these asset classes.

      Identified by us as a market leader in passive portfolio management, we’ve partnered with BlackRock who will implement the fund’s asset allocation weights, as set out by us.

    • Cash investments can include certificates of deposit, Treasury bills and money market funds. Investing in cash is usually short-term (normally 90 days) and the return comes in the form of interest payments. The issuers of these investments could fail to pay interest and repay capital, but cash investments are generally considered to be very low risk and therefore generate low returns.

      Bonds are loans made to large organisations such as corporations, cities, and governments. The borrower commits to pay a fixed interest rate at regular intervals and to repay the initial investment within a defined period of time. There are many different types of bonds and they vary according to who issues them, time until maturity, interest rate, and risk. The main risk lies in the issuers’ being unwilling or unable to pay the interest or repay capital when due, but generally, bonds are considered some of the safest, or lower risk, investments available. As such they have a corresponding relatively low rate of return.

      Shares are usually traded on a stock market. Returns are sought in two ways: by an increase in the value of the shares over time and/or by the payment of dividends. A dividend is a sum of money paid by a company to shareholders, and is dependent on the company making a profit. Most shares give no rights to repayment of capital invested but they can generally be sold in the stock market. Market values can fall and if the issuing company becomes insolvent, shares may not be worth anything. Because the return on investment is linked to the performance of an individual company, shares are generally considered to be the riskiest of the three major asset classes, but they also offer the greatest potential for high returns.

  • Balanced

    Barclays Wealth Global Markets 3

    With this Ready-made Investment choice, you’re taking a moderate level of risk to seek long-term growth. There’s more exposure to riskier investments, which have a greater chance of incurring losses, than in our lower risk Ready-made Investments. It’s still well diversified to try to mitigate some of that risk as diversification ensures you’re not relying on one type of investment too heavily. At this level, short-term changes in value are more likely and while you’ll be invested in both bonds and shares, it’ll lean more towards the latter.

    Please note: The actual asset allocation may change due to intentional shifts we make to take advantage of short-term opportunities and risks, as we see them. View accessible versions of these charts below.

    You should read the Key Investor Information Documents (KIID) before choosing to invest in this fund. It contains important information about the fund, its asset allocation and associated risks.

    Remember, the value of the investments can fall as well as rise. You may not get back what you invest. We're not recommending Ready-made Investments as being suitable for you based on your personal circumstances. If you're unsure about this investment’s suitability for you, you should seek independent advice.

    KIID [PDF, 183KB], Factsheet [PDF, 188KB]

    The table shows the performance of the accumulation units of the fund. Past performance of investments isn’t a reliable indicator of their future performance.

    Discrete 5 year performance (%)

    Year from 31 January

    2019-20

    2018-19

    2017-18

    2016-17

    2015-16

    Global Markets 3

    10.35%

    -1.13%

    10.50%

    16.91%

    -5.05%

    Ready to buy?

    Do you already have a Smart Investor account or a current account with us?

    • The aim is to provide capital growth over the medium to long term.

      Barclays Wealth Global Markets 3 invests in a blend of passive funds to gain exposure to different asset classes from around the world. Find out more about passive and active investments.

      We determine the asset allocation using our short-term (tactical) and long-term (strategic) views of the performance of these asset classes.

      Identified by us as a market leader in passive portfolio management, we’ve partnered with BlackRock who will implement the fund’s asset allocation weights, as set out by us.

    • Cash investments can include certificates of deposit, Treasury bills and money market funds. Investing in cash is usually short-term (normally 90 days) and the return comes in the form of interest payments. The issuers of these investments could fail to pay interest and repay capital, but cash investments are generally considered to be very low risk and therefore generate low returns.

      Bonds are loans made to large organisations such as corporations, cities, and governments. The borrower commits to pay a fixed interest rate at regular intervals and to repay the initial investment within a defined period of time. There are many different types of bonds and they vary according to who issues them, time until maturity, interest rate, and risk. The main risk lies in the issuers’ being unwilling or unable to pay the interest or repay capital when due, but generally, bonds are considered some of the safest, or lower risk, investments available. As such they have a corresponding relatively low rate of return.

      Shares are usually traded on a stock market. Returns are sought in two ways: by an increase in the value of the shares over time and/or by the payment of dividends. A dividend is a sum of money paid by a company to shareholders, and is dependent on the company making a profit. Most shares give no rights to repayment of capital invested but they can generally be sold in the stock market. Market values can fall and if the issuing company becomes insolvent, shares may not be worth anything. Because the return on investment is linked to the performance of an individual company, shares are generally considered to be the riskiest of the three major asset classes, but they also offer the greatest potential for high returns.

  • Growth

    Barclays Wealth Global Markets 4

    This Ready-made Investment takes a moderate-high approach to risk, aiming to generate higher growth than our lower risk options. To offer the potential for bigger rewards, it introduces more risk, which also means more chance of experiencing losses. It invests largely in shares, making up more than half of your investment and while it still gives some exposure to lower-risk investments like bonds, they’ll be a smaller section of your overall investment.

    Please note: The actual asset allocation may change due to intentional shifts we make to take advantage of short-term opportunities and risks, as we see them. View accessible versions of these charts below.

    You should read the Key Investor Information Documents (KIID) before choosing to invest in this fund. It contains important information about the fund, its asset allocation and associated risks.

    Remember, the value of the investments can fall as well as rise. You may not get back what you invest. We're not recommending Ready-made Investments as being suitable for you based on your personal circumstances. If you're unsure about this investment’s suitability for you, you should seek independent advice.

    KIID [PDF, 183KB], Factsheet [PDF, 187KB]

    The table shows the performance of the accumulation units of the fund. Past performance of investments isn’t a reliable indicator of their future performance.

    Discrete 5 year performance (%)

    Year from 31 January

    2019-20

    2018-19

    2017-18

    2016-17

    2015-16

    Global Markets 4

    11.99%

    -1.39%

    12.85%

    20.67%

    -6.22%

    Ready to buy?

    Do you already have a Smart Investor account or a current account with us?

    • The aim is to provide capital growth over the medium to long term.

      Barclays Wealth Global Markets 4 invests in a blend of passive funds to gain exposure to different asset classes from around the world. Find out more about passive and active investments.

      We determine the asset allocation using our short-term (tactical) and long-term (strategic) views of the performance of these asset classes.

      Identified by us as a market leader in passive portfolio management, we’ve partnered with BlackRock who will implement the fund’s asset allocation weights, as set out by us.

    • Cash investments can include certificates of deposit, Treasury bills and money market funds. Investing in cash is usually short-term (normally 90 days) and the return comes in the form of interest payments. The issuers of these investments could fail to pay interest and repay capital, but cash investments are generally considered to be very low risk and therefore generate low returns.

      Bonds are loans made to large organisations such as corporations, cities, and governments. The borrower commits to pay a fixed interest rate at regular intervals and to repay the initial investment within a defined period of time. There are many different types of bonds and they vary according to who issues them, time until maturity, interest rate, and risk. The main risk lies in the issuers’ being unwilling or unable to pay the interest or repay capital when due, but generally, bonds are considered some of the safest, or lower risk, investments available. As such they have a corresponding relatively low rate of return.

      Shares are usually traded on a stock market. Returns are sought in two ways: by an increase in the value of the shares over time and/or by the payment of dividends. A dividend is a sum of money paid by a company to shareholders, and is dependent on the company making a profit. Most shares give no rights to repayment of capital invested but they can generally be sold in the stock market. Market values can fall and if the issuing company becomes insolvent, shares may not be worth anything. Because the return on investment is linked to the performance of an individual company, shares are generally considered to be the riskiest of the three major asset classes, but they also offer the greatest potential for high returns.

  • Adventurous

    Barclays Wealth Global Markets 5

    With this Ready-made Investment you’re taking a high level of risk, seeking to achieve substantial long-term growth. Most of the holdings will be in higher risk investments and you may experience considerable day-to-day fluctuations in value. As you’re chasing bigger rewards, there’s also a bigger chance of experiencing losses. With this option, significantly more than half of the fund will be in shares and although there’s some exposure to fixed-income investments, it’s mostly in emerging markets bonds.

    Please note: The actual asset allocation may change due to intentional shifts we make to take advantage of short-term opportunities and risks, as we see them. View accessible versions of these charts below.

    You should read the Key Investor Information Documents (KIID) before choosing to invest in this fund. It contains important information about the fund, its asset allocation and associated risks.

    Remember, the value of the investments can fall as well as rise. You may not get back what you invest. We're not recommending Ready-made Investments as being suitable for you based on your personal circumstances. If you're unsure about this investment’s suitability for you, you should seek independent advice.

    KIID [PDF, 182KB], Factsheet [PDF, 187KB]

    The table shows the performance of the accumulation units of the fund. Past performance of investments isn’t a reliable indicator of their future performance.

    Discrete 5 year performance (%)

    Year from 31 January

    2019-20

    2018-19

    2017-18

    2016-17

    2015-16

    Global Markets 5

    12.46%

    -1.58%

    14.06%

    23.42%

    -7.00%

    Ready to buy?

    Do you already have a Smart Investor account or a current account with us?

    • The aim is to provide capital growth over the medium to long term.

      Barclays Wealth Global Markets 5 invests in a blend of passive funds to gain exposure to different asset classes from around the world. Find out more about passive and active investments.

      We determine the asset allocation using our short-term (tactical) and long-term (strategic) views of the performance of these asset classes.

      Identified by us as a market leader in passive portfolio management, we’ve partnered with BlackRock who will implement the fund’s asset allocation weights, as set out by us.

    • Cash investments can include certificates of deposit, Treasury bills and money market funds. Investing in cash is usually short-term (normally 90 days) and the return comes in the form of interest payments. The issuers of these investments could fail to pay interest and repay capital, but cash investments are generally considered to be very low risk and therefore generate low returns.

      Bonds are loans made to large organisations such as corporations, cities, and governments. The borrower commits to pay a fixed interest rate at regular intervals and to repay the initial investment within a defined period of time. There are many different types of bonds and they vary according to who issues them, time until maturity, interest rate, and risk. The main risk lies in the issuers’ being unwilling or unable to pay the interest or repay capital when due, but generally, bonds are considered some of the safest, or lower risk, investments available. As such they have a corresponding relatively low rate of return.

      Shares are usually traded on a stock market. Returns are sought in two ways: by an increase in the value of the shares over time and/or by the payment of dividends. A dividend is a sum of money paid by a company to shareholders, and is dependent on the company making a profit. Most shares give no rights to repayment of capital invested but they can generally be sold in the stock market. Market values can fall and if the issuing company becomes insolvent, shares may not be worth anything. Because the return on investment is linked to the performance of an individual company, shares are generally considered to be the riskiest of the three major asset classes, but they also offer the greatest potential for high returns.

View the accessible version of our charts

  • Strategic Asset Allocation(%)

    Fund

    Cash & Short Maturity Bonds

    Developed Government Bonds

    Investment Grade Bonds

    High Yield & Emerging Market Bonds

    Developed Markets Equities

    Emerging Markets Equities

    Global Markets 1

    63.0

    8.0

    6.0

    6.0

    13.0

    4.0

    Global Markets 2

    30.0

    12.0

    11.0

    12.0

    28.0

    7.0

    Global Markets 3

    12.0

    9.0

    11.0

    18.0

    40.0

    10.0

    Global Markets 4

    5.0

    5.0

    6.0

    17.0

    52.0

    15.0

    Global Markets 5

    3.0

    3.0

    4.0

    10.0

    58.0

    22.0

    Please note: The actual asset allocation may deviate from those weights shown due to intentional shifts we make to take advantage of short-term opportunities and risks, as we see them.

Need some help?

Call us

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