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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.
Benefits
- Flexible ways to invest
Decide how much to invest, starting from £50 a month or a £500 lump sum, and choose a risk level you feel happy with.
- Easy and hassle-free
Apply and manage online using the Bank of Scotland Mobile Banking app or Internet Banking.
- Managed by experts
Our funds are ready-made by experts, so you don’t have to do anything.
Currently for existing Bank of Scotland customers only.
It's easy to get started, just open your account today.
How does it work?
Pick your risk level
You can pick from three options to best suit you – cautious, balanced or progressive. And you can change this in the future if your circumstances or view of risk changes.
Choose an account
Open an Investment ISA, our tax-efficient way to start investing, or an Investment Account if you’ve already used your ISA allowance.
Decide how much to invest
Starting from £50 a month or £500 as a lump sum.
Track your performance
Track and top up your ready-made portfolio using Internet Banking or our app. Just like your everyday banking.
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.
Cautious
Our lowest risk fund. Your investments could still go down as well as up, but are generally more stable.
Charges
Account fee: £3 a month
Ongoing charge: 0.23%
Transaction costs: 0.11%
Key documents
Balanced
Our medium risk fund. It is aimed at growing investments steadily, but there may be some more notable ups and downs.
Charges
Account fee: £3 a month
Ongoing charge: 0.24%
Transaction costs: 0.12%
Key documents
Progressive
Our medium-high risk fund in our Ready-Made Investment portfolio. If you’re willing to accept a higher level of risk for the chance of greater returns.
Charges
Account fee: £3 a month
Ongoing charge: 0.22%
Transaction costs: 0.12%
Key documents
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.
-
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
-
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
Terms and Conditions (PDF, 217KB)
Key features document Investment ISA (PDF, 145KB)
Key features document Investment Account (PDF, 137KB)
Want to start investing but not a Bank of Scotland customer yet?
Get started with one of our accounts.
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New to investing?
We’ve created a simple five-step guide to help you decide if investing works for you.
Risk explained
Understanding risk and reward is crucial to investing. Read our article to learn more.
Boost your skills
We have a range of easy-to-read content to grow your confidence in investing.
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.
