Make the most of your Ready-Made Investments

Simple steps to make your money work harder.

The power of long-term investing

Ready-Made Investments go a long way to taking the hard work out of investing for the long-term – they’re managed by experts after all.
However, there are steps you can take to keep them working for years to come:

Invest regularly

Aim to boost your investment with a monthly payment. Regular investing is a good way to take advantage of market values that work in your favour.

Invest what you can

You should only invest what’s affordable, but think about salary increases, inheritance, even your annual tax-allowance. Over the long-term, every pound counts.

Invest early

With long-term investments, the sooner you start the more time your money has to grow, smooth out market ups and downs and recover from unexpected losses.

Stay invested

Aim to invest for at least five years. While you can always take out money if needed, it’s important to give your investment as much time as possible to grow.

How to top up your Ready-Made Investment

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Mobile Banking app

  1. Open the Mobile Banking app.
  2. View your Investment ISA or Investment Account.
  3. Select ‘Top up ISA’ or ‘Account’.
Top up here

Set up a Direct Debit

  1. Open the Mobile Banking app or use Internet Banking.
  2. View your Investment ISA or Investment Account.
  3. Select 'Set up a Direct Debit’.

You cannot make changes to an existing Direct Debit. Please cancel this and issue a new Direct Debit for the correct amount.

Please remember that the value of investments and the income from them can fall as well as rise, and you may get back less than you invest. If you’re not sure about investing, seek financial advice. There will normally be a charge for that advice. Tax treatment depends on individual circumstances and may be subject to change in the future.

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Your money is protected

Our Ready-Made Investments are provided by Embark Investment Services Limited and are protected up to a total of £85,000 by the Financial Services Compensation Scheme.

You can get more information on the FSCS on their website: fscs.org.uk.

For customers who opened an account before 20th February 2023 (accounts beginning with IB)

You can review your account by logging on or view your charges on our Online Investments page.

Investments with Bank of Scotland Share Dealing Service are protected up to a total of £85,000 by the Financial Services Compensation Scheme. This limit is applied to the aggregated total of any stock or cash held across the brands that we administer.

This is in addition to any other savings deposits you may hold across Lloyds Banking Group.

You can get more information on the FSCS on their website: fscs.org.uk.

Important legal information

Ready-Made Investments is provided by Embark Investment Services Limited, a company incorporated in England and Wales (company number 09955930) with its registered office at 33 Old Broad Street, London, EC2N 1HZ. Embark Investment Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number 737356).

Bank of Scotland Share Dealing Service is operated by Halifax Share Dealing Limited. Halifax Share Dealing Limited. Registered in England and Wales no. 3195646. Registered Office: Trinity Road, Halifax, West Yorkshire, HX1 2RG. Authorised and regulated by the Financial Conduct Authority under registration number 183332. A Member of the London Stock Exchange and an HM Revenue & Customs Approved ISA Manager.

Important share dealing information