Ready-Made Investments

Investment funds built and managed by our experts. They can be great when you want to start investing, have limited time to research the market or aren’t sure which funds to pick. We do the hard work so you don’t have to.

How does it work?

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.

Risk levels

When investing, it’s important to know the level of risk you’re taking.
Learn more about risks and how to understand them.

For more information about the three funds, you can read our fund range and investments guide (PDF, 243KB). It contains details of how the funds are managed, their objectives and risks, and a detailed breakdown of the charges.

Investments are sold at a minimum value of £10. All remaining sales proceeds, after the £3 fee has been paid, will be held as cash in your account and will be used to contribute to future monthly fees.

Our funds’ past performance

The data in the below table and performance chart refer to the past, and past performance is not a reliable indicator of future results. The performance data includes the ongoing charge and all transaction costs within the fund, but does not include the £36 account fee.

Source of data: FE Fundinfo

The above graph shows the percentage change of the funds since launch. This is to help you understand how the funds have performed over the longer term.

Please remember that the data in the above performance graph and the below table refer to the past, and past performance is not a reliable indicator of future results.

The last available price for each fund is shown below the graph and this is usually the price from the previous trading day. If you decide to invest in one of our funds, your trade will be sent to the Fund Manager and you will get the price given on the next available valuation point for this fund, which could be higher or lower than the price shown above.

Date	Cautious	Balanced	Progressive
Date 31st Dec 2022 – 31st Dec 2023	Cautious 8.6%	Balanced 9.9%	Progressive 11.0%
Date 31st Dec 2021 – 31st Dec 2022	Cautious -12.3%	Balanced -8.9%	Progressive -7.0%
Date 31st Dec 2020 – 31st Dec 2021	Cautious 3.5%	Balanced 8.2%	Progressive 12.5%
Date 31st Dec 2019 – 31st Dec 2020	Cautious 4.0%	Balanced 2.3%	Progressive 1.9%

31st Dec 2018 – 31st Dec 2019: Our funds weren’t launched until 16th September 2019.

Example of annual charges expandable section

There is a flat-rate account fee of £3 a month.

Ongoing charge and Transaction costs are calculated on an ongoing basis and built into the value of the fund.

If your investment was worth	Cautious (£3 monthly + 0.34%)	Balanced (£3 monthly + 0.36%)	Progressive (£3 monthly + 0.34%)
If your investment was worth £1,000	Cautious(£3 monthly + 0.34%) £39.40	Balanced(£3 monthly + 0.36%) £39.60	Progressive(£3 monthly + 0.34%) £39.40
If your investment was worth £5,000	Cautious(£3 monthly + 0.34%) £53.00	Balanced(£3 monthly + 0.36%) £54.00	Progressive(£3 monthly + 0.34%) £53.00
If your investment was worth £10,000	Cautious(£3 monthly + 0.34%) £70.00	Balanced(£3 monthly + 0.36%) £72.00	Progressive(£3 monthly + 0.34%) £70.00
If your investment was worth £20,000	Cautious(£3 monthly + 0.34%) £104.00	Balanced(£3 monthly + 0.36%) £108.00	Progressive(£3 monthly + 0.34%) £104.00

What is a fund? expandable section

A fund is a collection of assets created by investment experts (Fund Managers). These can be made up of shares, bonds, property or even cash.

Investing in a fund with a wide range of assets could offer potential growth over time, while also helping to reduce any risk.

Applying for a Ready-Made Investment?

You need to be...

You’ll need to be...
An existing Internet Banking customer
At least 18 years old
Currently living in the UK
Not a US person or resident of the US

Log in to apply

Terms and Conditions (PDF, 217KB)

Want to start investing but not a Bank of Scotland customer yet?
Get started with one of our accounts.

Bank of Scotland Ready-Made Investments are provided by Embark Investments Services Limited (‘Embark’) and invest in assets managed by Scottish Widows Unit Trust Managers Limited. If you choose to invest, we will share your details with Embark. This is to help us during the application process.

Banking is better with our app

Bank of Scotland QR code image

You might also like

fscs protected logo

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.

Investments with Bank of Scotland Share Dealing 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 following brands which we administer.

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

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

Important legal information

Bank of Scotland Share Dealing Service is operated by 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.