Hargreaves Lansdown

Master portfolios - Ready made investment portfolios

Master portfolios

Master Portfolios are an interactive tool to help you start your own investment portfolio. For long-term investors there are five portfolios with different levels of risk and time horizons. They include funds from the main sectors, managed by the best managers in their field.

  • Step 1 - Click on the tab below that best describes you
  • Step 2 - Select how much you want to invest
  • Step 3 - Look carefully at the funds and see if they're right for you. Before you invest, also read each fund's Key Features or Key Investor Information Document. You can take each portfolio as a whole - or flavour it with your own preferences. You can invest in a Stocks & Shares ISA, SIPP or Fund & Share Account.

These portfolios are not personal advice. Unsure if they're right for you? Contact us for advice. Remember: all investments - even the defensive ones - can fall as well as rise in value, so you could get back less than you invest.

Simply click on the relevant tab below and select your portfolio size to get started.

Step one Choose your portfolio style

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This portfolio focuses on risky areas, with greater long-term potential. There is an emphasis on global funds which can invest in areas experiencing faster economic growth, and developed-world companies able to profit from increasing consumer spending in emerging markets.

Smaller companies also have strong growth potential. Some will grow into the giants of tomorrow, while others could disappear altogether. Skilled fund managers can unearth gems in this sector.

Investors with larger portfolios could consider additional emerging market exposure.

For investors needing access to capital in the medium term (5-10 years time). It aims for modest growth and some sheltering of capital although this isn’t guaranteed, and will fall in value as well as rise, so you could get back less than you invest.

The largest allocation is in defensively managed and absolute return funds. These invest in a wide variety of assets, and in some cases can use techniques to profit from assets falling in value. Each is managed with a different strategy and returns will vary so investors with larger portfolios could consider more than one of these funds.

We have also included an exposure to corporate bonds via strategic bond funds. These tend to be less volatile than funds investing in shares.

This long-term growth portfolio focuses on the areas with the greatest growth potential, though this does mean more volatility. Emerging markets’ high rates of economic growth, low debt levels and burgeoning middle class translate into great long-term growth prospects, though there will be setbacks along the way.

Global funds add diversification, whilst smaller companies remain a favourite for growth investors. It is also worth considering some exposure to equity income funds, and perhaps some esoteric areas such as energy/commodities. All of these add risk.

This portfolio aims for a reasonable return with less volatility than more aggressive portfolios.

At its core are generally profitable, dividend-paying UK companies via equity income funds. Income can be taken, or reinvested to boost growth. There is also exposure to defensively managed and absolute return funds.

Those with larger portfolios can consider further diversification via global funds, UK growth funds and, for the more adventurous, exposure to emerging markets.

This portfolio is designed to produce a good level of income with the potential to grow and keep pace with inflation. Over the long term it should also generate growth, but its capital value will rise and fall.

The portfolio invests in a mix of bonds and income-producing equities. The HL MM Income & Growth Trust offers exposure to our experts' favourite managers in the sector in one fund.

The Artemis and Royal London funds invest in corporate bonds with the aim of paying a decent level of income to investors.

Step two Select size of investment

Step three Portfolio suggestions

Initial chargesInitial savingAnnual chargesAnnual savingFactsheet
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Step four Invest in this portfolio

Investing with Hargreaves Lansdown is easy - you can apply online in minutes. You'll then be free to make your own investment decisions, such as choosing the portfolio above.

Please remember investments can go down in value as well as up, so you might get back less than you invest. The value of tax savings will depend on your circumstances and tax rules can change over time. If you are unsure of the suitability of any investment for your circumstances please contact us for advice.

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