Ready-Made Investments

Decide how much to invest, choose your risk level, and see how we can help make your money work harder.

 

Benefits

  • Flexible investing
    Start with £50 a month or a £500 lump sum, and pick a level of investment risk you’re happy with. 
  • Easy and hassle free
    Apply and manage things online, using the Halifax app or Online Banking. 
  • Managed by experts
    Ready-Made Investments are looked after by experts, so you don’t have to do a thing.
Sign in to apply

How does it work?

Pick your risk level

Decide which level is right for you - cautious, balanced or progressive. You can change this if your circumstances or attitude to risk changes in the future.

Choose an account

Open an Investment ISA or an Investment Account.

Decide how much to invest

Start with a minimum deposit of £500 lump sum or £50 a month.

Track your performance

Adjust, track and top up using Online Banking or the app, like everyday banking.

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.

Which risk level works for you?

It's important to feel comfortable with the level of investment risk you choose.
Understand more about investment risk

Cautious

Our lowest level of investment risk. Your money is generally more stable, though it can still go down as well as up.

Charges

Account fee: £3 a month
Ongoing charge: 0.23%
Transactional costs: 0.11%

Key documents

View the KIID (PDF, 115KB)

View the factsheet (PDF, 138KB)

Balanced

Our medium level of investment risk. You want your investment to grow steadily, and accept that there may be some ups and downs.

Charges

Account fee: £3 a month
Ongoing charge: 0.24%
Transactional costs: 0.12%

Key documents

View the KIID (PDF, 153KB)

View the factsheet (PDF, 138KB)

Progressive

Our medium-high level of investment risk. You’re willing to accept a higher level of risk in return for the chance of higher returns.

Charges

Account fee: £3 a month
Ongoing charge: 0.22%
Transactional costs: 0.12%

Key documents

View the KIID (PDF, 245KB)

View the factsheet (PDF, 138KB)

For more information about the three funds, you can read Our fund range and investments (PDF, 252KB) guide. 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.

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...

  • An existing online banking customer
  • At least 18 years old
  • Currently living in the UK
  • Not a US person or resident of the US

Sign in to apply

Terms and Conditions (PDF, 217KB)

Investment Account key features document (PDF, 137KB)

Investment ISA key features document (PDF, 145KB)

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

Halifax 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.

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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.

Investments with Halifax Share Dealing Limited 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 that we administer.

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

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

Important legal information

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.

Start Investing

See how we could make your money work harder with our investment accounts.

Our accounts

Start Investing

See how we could make your money work harder with our investment accounts.

Our accounts