Our ready-made funds

Our Investment ISA gives you the choice of three managed funds to invest in. Each one offers a different level of risk and potential return: lower, medium or higher. If you have already used up your ISA allowance for the current tax year, or you would prefer not to invest in an ISA, then you can invest in our managed funds by opening an Investment Account.

At a glance

  • Choose between our three managed funds: lower, medium or higher risk.
  • Invest a lump sum, make regular investments, or do both.
  • Move your money between funds when you want.
  • Monitor investment performance online
  • Invest from £100 per month, or a minimum lump sum of £2,000.

Find out more about our ready-made funds

Ready to invest?

If you’d like to invest in a ready-made fund, you can do this in either an ISA or an Investment Account.

Please remember the value of an investment, and the income you receive from it, can go down as well as up and you may get back less than you originally invested. If you are in any doubt about making your own investment decisions, we recommend you seek advice from a suitably qualified financial advisor.

To learn more about risk, please read our guide on understanding risk.

Financial advice

Not everybody feels comfortable investing without advice from a professional. If you are looking for financial advice our advisers may be able to help. You can take advantage of our financial advice service if you have a sole income of £100,000 a year or £100,000 of savings and investments, including personal pensions.

Find out more about our financial advice service

If you don’t earn over £100,000 a year, or have that amount in savings or investments, that doesn’t mean you can’t get advice on investing. Money Advice Service is set up by the Government and provides free, unbiased and independent guidance on how to make the most of your money. You can also get more information and details of independent finance advisors near you.



Planning your retirement is something you should look forward to, and it’s really important to make sure you understand all your options so that you make the right decision for you.

Find out more about your retirement options