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Decide how much to invest, choose your risk level, and see how we can help make your money work harder.
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.
Open an Investment ISA or an Investment Account.
Start with a minimum deposit of £500 lump sum or £50 a month.
Adjust, track and top up using Online Banking or the app, like everyday banking.
It's important to feel comfortable with the level of investment risk you choose.
Understand more about investment risk
Our lowest level of investment risk. Your money is generally more stable, though it can still go down as well as up.
Account fee: £3 a month
Ongoing charge: 0.23%
Transactional costs: 0.11%
Our medium level of investment risk. You want your investment to grow steadily, and accept that there may be some ups and downs.
Account fee: £3 a month
Ongoing charge: 0.24%
Transactional costs: 0.12%
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.
Account fee: £3 a month
Ongoing charge: 0.22%
Transactional costs: 0.12%
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.
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.
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.
Access our simple 5 step guide to understand if investing is right for you.
Investing and understanding risk come hand in hand. Learn about the different types of risk.
Learn about investing with our easy to read articles to help you on your investment journey.
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.
You can review your account by signing in or view your charges on our Online Investments page.
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.