Personal Banking Premier Business Wealth Management Corporate Log in Search Menu Ready-made Investments A straight-forward way to invest What are Ready-made Investments? If you’re ready to invest but are short on time or need some inspiration, you might want to consider one of our five ready-made investment funds. You don’t need to be an expert – our team of professionals create and monitor our funds. Check if you’re ready to invest. 1. Select fund Read about our five funds, their characteristics and choose the one that matches the level of risk you’re comfortable with 2. Open account Follow a few simple steps to open and fund your account, then you’ll be ready to buy your Ready-made Investment 3. Sit back and relax Let our experts take care of the rest – they’ll ensure the fund continues to perform in line with its characteristics Why choose Ready-made Investments? Watch our short video with Barclays’ Clare Francis to learn more about the Ready-made fund choices. Your browser doesn't support HTML5 video tag. Video transcript Remember, the value of investments can fall as well as rise and you might not get back what you invest. On this page you’ll find information about our Ready-made Investments to help you decide if they’re right for you and tips on how to get started. If you’re unsure about investing, seek independent financial advice. Finding your investment match – the Ready-made funds at a glance We like to keep investing simple. We created the following five funds to do exactly that. Each behaves in a different way, so choose one that matches your individual needs and attitude to risk. When you invest, you’re looking to boost the return on your money. It’s important to understand that alongside the chance of a bigger reward, comes the potential for bigger losses and a bumpier ride along the way – that’s “risk”. So bear this in mind when choosing your fund. In general, cash is the least risky and shares are the riskiest, with bonds sitting in between. Learn more about asset allocation. Defensive Cautious Balanced Growth Adventurous Defensive Risk level: Our lowest risk fund, but there’s no such thing as risk free It contains: 25% cash, 57% bonds and 18% shares. These numbers may change as our experts make the most of short-term opportunities. It’s like: Riding a bike with the stabilisers on Discrete 5 year performance (%) Year from 30 September 2016-17 2017-18 2018-19 2019-20 2020-21 Global Markets 1 4.27% 1.42% 3.29% 2.87% 4.34% Past performance isn’t a reliable indicator of future performance. Looking for the nuts and bolts? We’ve put together these documents that you should read before you invest. KIID [PDF, 183KB], Factsheet [PDF, 235KB], you can also read the Value Assessment here [PDF, 3.1MB] They’ll tell you about the fund, explain how our experts have created it and its associated risks. You can sell your fund and access your cash at any time, but remember your investment should be for the long term (at least five years) as you could get back less than you invested if you sell at any time. This is particularly likely if you sell after only a short term of investment. How much will your Ready-made Investment cost? The total cost is the combination of our product, customer and transaction fees. Product fees = 0.45% per year*. The ongoing cost of managing your investment. Customer fees = 0.2% per year or a minimum of £4 per month. The cost of running your account and safekeeping your investments. Online transaction fees = £3 or £1 if made as a regular investment. The cost you’ll pay every time you buy or sell an investment. *This cost is deducted from the value of the fund, not charged as a cash payment like the customer fee. When a fund buys and sells assets it will also incur Transaction costs. These aren’t included in the product fees. Holding value Total ongoing cost (excluding fund transaction costs) £5,000 £5.88 per month £10,000 £7.75 per month £15,000 £9.63 per month Ready to buy? Open a new Smart Investor account You can choose from two types of account. Once your account is open, you can buy your chosen Ready-made Investment. Investment ISA The most popular account people chose when they start to invest. You can pay in up to £20,000 per tax year Any returns you make are tax-free. Tax rules can change in future and their effects on you will depend on your individual circumstances. Open an Investment ISA No log in? Apply here Investment Account A flexible account which you might want to consider if you’ve already used your ISA allowance for the current tax year OR you’re already paying into an ISA with another provider. No limits on the amount you can invest. The return you make on your investments will be taxable but there are allowances that may mean you don’t pay tax, or it is reduced. Open Investment Account No log in? Apply here Smart Investor is an investment service for UK residents aged 18 or over. The service is not available to US persons, even if they are resident in the UK. Already have a Smart Investor account? You can buy this Ready-made Investment using an existing account. Buy Ready-made Investment You might be interested in Plan & Invest Plan & Invest is a service which creates and manages a personalised Investment Plan just for you. Whether your long-term goal is your child’s university education, retirement or just building a nest egg, all you have to do is tell us a bit about yourself and then, if you’re ready to invest, let our experts select and manage your investments. Go to Plan & Invest Barclays investment updates Register to receive updates on the latest news and insights from our experts, plus information on all things Smart Investor and Plan & Invest. Register now View the accessible version of our charts Text only versions of our colour charts Need some help? Chat or email Chat now or email us directly on investmentclientrelations@Barclays.com Chat now Call us If you have any questions, you can give us a call on 0800 279 36671. Important information Lines are open from 7:30am to 7:00pm Monday to Thursday, 7:30am to 6:00pm on Friday and closed during weekends and public holidays. To maintain a quality service, we may monitor or record phone calls. Call charges.Return to reference Contact us Protect yourself from fraud Lost or stolen card Help Branch Finder PPI information Structure changes MIFID II Service status Bank of England base rate Security certification Legal information Accessibility Cookies Privacy policy Careers Home.barclays FAQs Investment accounts How Smart Investor is changing Barclays Investment Solutions Limited provides wealth and investment products and services (including the Smart Investor investment services) and is authorised and regulated by the Financial Conduct Authority and is a member of the London Stock Exchange and NEX. Registered in England. Registered No. 2752982. Registered Office: 1 Churchill Place, London E14 5HP. Barclays Bank UK PLC provides banking services to its customers and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 759676). Registered in England. Registered No. 9740322. Registered Office: 1 Churchill Place, London E14 5HP. Cookies We would like to collect data from your device while you use this website. We do this using cookies. You can find out more in our cookie policy. Collecting this data helps us provide the best experience for you, keeps your account secure, helps us provide social media features and allows us to personalise advert and service message content. Please select 'Accept all' to consent to us collecting your data in this way. To see other data collection options, select 'Preferences'. Preferences Accept All