Simple investing, 
managed by our experts

Investing is different from putting your cash in a savings account to earn interest. You’re essentially buying investments, for example, shares in a company, that you think you’ll be able to sell for a higher price later.

There are risks with any type of investment. Your money could lose value and you may not get back what you put in.

A fund is a package of investments. Your money is invested with other people's money in one fund.

Our funds are managed by a fund manager. They’re responsible for the mix of assets in the fund, and for giving you the best possible returns.

Learn more about funds.

When you invest in a fund, your money and risk are spread in many different places. This is known as ‘diversification.’

Let’s say that some assets in a fund aren’t doing well. If the other assets are doing well, this could help to reduce any potential losses.

With ready made Investments you can invest in funds with a Cautious, Balanced or Adventurous investment style. See how our funds have performed in the past.

Whilst all investments carry some risk, this varies. Lower risk investments tend to be more stable and experience less volatility (ups and downs) but this comes with more limited opportunity for growth. Higher risk investments can provide the potential for higher returns but they may also experience more significant ups and downs.

It's important to remember fluctuations are a normal part of investing. Deciding on how much risk you are willing to take is a personal choice and can depend on a few things, such as:

• how long you’re planning to leave your money invested for
• the length of time you want to invest for (Time Horizon), as the longer it is invested for the more chance the investment has to ride out the ups and downs
• how much other income you have to fall back on if the value fell, as this helps you to keep your longer term plans in focus
• how comfortable you feel about the value of your investment rising and falling.

Learn more about risk and reward.

If you’d like to have money set aside, either for specific goals or for emergencies, a savings account could be a better option. You’ll usually earn a small amount of interest and you’ll be able to access your money when you want.

If you invest your money, you should leave it for between five to 10 years to give it the best chance to grow. You may see the value of your investment go up and down, and you may not get back what you put in. But there’s often greater potential for higher growth over the longer term.

Learn more about the difference between saving and investing.

We won’t charge the account fee, (£3 per month), between 19 May 2025 and 30 June 2026.

All other charges will still apply.

The account fee will be charged again from 01 July 2026. From this date, all monthly fees will be charged as usual.

Separate terms and conditions apply to our Ready-Made Investment ISA or Ready-Made General Investment Account in relation to the service we provide.

We may amend or withdraw this offer at any time.

The promoters of the offer are Halifax Share Dealing Limited and Embark Investments Services Limited, who provide Scottish Widows Ready-Made Investments. The promoters are contactable at 12 Wellington Place, Leeds, LS1 4AP.