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Ready-made investing

Ready-made ISA portfolios

Choose from six expertly-managed portfolios to hold in your Stocks & Shares ISA

Choose a ready-made portfolio

Our ready-made ISA portfolio service is not personal advice. If you are unsure if it is an appropriate service for you or which portfolio is suitable for your circumstances, contact us for advice. As the value of investments can fall as well as rise you should anticipate holding it for at least 5 years and not invest monies you may need before then. Tax rules can change and the benefits will depend on your circumstances. The service uses funds managed by our sister company Hargreaves Lansdown Fund Managers.

ISA investment portfolios, managed by our experts

Take the hassle out of investing by choosing one of our six ready-made portfolios for your Stocks & Shares ISA.

Built and managed by our experts, the portfolios use our HL Portfolio+ service, where a selection of HL Multi-Manager funds offer exposure to shares, bonds and other assets across a range of countries and regions. This helps to reduce risk whilst providing diversification.

  • Value for money

    You pay an ongoing charge for the underlying multi-manager funds and our standard service charge of 0.45%. There's no additional charge for our investment team to build and manage our ready-made ISA portfolios.

  • On-going management from our experts

    With ready-made ISA portfolios, you benefit from on-going management of your investments, including twice yearly rebalancing to make sure the portfolio remains on its original track.

  • Here to help

    Our Bristol-based helpdesk offer the help and support you need, when you need it. We aim to answer all calls within 12 seconds and ensure you get straight through to someone that can help - no automated phone menus.

Why choose a ready-made ISA?

  • Easy

    Once you have decided on a portfolio, our experts choose and manage the investments

  • Quick

    If you decide this service is right for you it takes less than 10 minutes to set up a ready-made ISA

  • Transparent

    See exactly how your investments are performing - online or via our app, 24/7

  • Flexible

    You can hold other ISA investments alongside your ready-made portfolio if you wish

It takes less than 10 minutes to get started

Choose a ready-made portfolio

I know very little about asset investment, so Portfolio+ is an ideal haven for my funds, particularly my ISA allowance.

I think it is a great idea - especially the facility to re-balance the portfolio regularly in order to maintain the goals and targets set.

Have a questions? Have a question?
Call 0117 900 9000

Frequently asked questions

  • Yes, you can view all the factsheets below. Each factsheet provides further information on the portfolio, recent performance and asset allocation.

    The factsheets show the HL Multi-Manager Funds which are used to build the portfolio. Our Multi-Manager Funds invest in funds from leading companies like Woodford, Old Mutual, Aberdeen and First State. These underlying funds are also shown on the factsheet.

  • Only the standard account charges and those of the underlying funds. There are no additional charges for HL Portfolio+ and no charge to rebalance the holdings.

    Our account charge is an administration charge to hold funds in our service. Our charge is tiered within bands and will be 0.45% per annum on the first £250,000 of funds within each account, 0.25% per annum on the value of funds between £250,000 and £1m, 0.1% per annum on the value of funds between £1m and £2m, and no charge on the value of funds over £2m.

    Like any fund, each HL Multi-Manager fund has an ongoing charge (OCF/TER). The ongoing charge (OCF/TER) for the portfolios are as follows as of 01/05/2016:

    Portfolio name Ongoing charge (OCF/TEF)
    Adventurous Income1.36%
    Balanced Income 1.35%
    Conservative Income1.35%
    Adventurous Growth1.46%
    Balanced Growth1.44%
    Conservative Growth1.39%

    Please note - the ongoing charge (OCF/TER) will vary over time depend on the relative performance of the funds held within each portfolio.

  • New clients

    You may invest in Portfolio+ within a Stocks & Shares ISA, SIPP or Fund & Share Account.

    You must be aged 18 or over to invest, with the exceptions of the SIPP where people aged less than 18 can invest with their guardian's approval.

    Existing clients (logged in)

    You may invest in Portfolio+ within the following accounts: Stocks & Shares ISA, Junior Stocks & Shares ISA, SIPP, Drawdown, Junior SIPP and Fund & Share Account or Group SIPP.

    You must be aged 18 or over to invest, with the exceptions of the SIPP, Junior SIPP or Junior Stocks and Shares ISA, where people aged less than 18 can invest with their guardian's approval.

  • Yes - you can transfer an ISA, pension, or unwrapped funds and shares to Hargreaves Lansdown and invest in the Portfolio+ of your choice. You can instruct the transfer by completing one of our Portfolio+ transfer forms.

  • Rebalancing involves selling a little of what has done well, and reinvesting elsewhere - to help keep the portfolio on track to achieve its pre-determined objectives.

    Left unchecked a portfolio will naturally increase exposure to the area that is performing best over any one period of time. This can have two negative impacts.

    • The risk in the portfolio can tilt (for instance an ever increasing exposure to equities if they outperform fixed interest/bonds) meaning that an investor could end up with more or less exposure to the areas of the market than was originally set.

    • Investment is cyclical in nature and asset types (shares, bonds etc.) come in and out of favour as do investment styles (high yield shares have historically performed well in tougher market environments but have lagged in periods of explosive market performance).

      A portfolio that is not rebalanced risks having maximum exposure to a style or area of investment just before it falls out of favour and minimum exposure just before it comes back into favour. Regular re-balancing helps investors to take advantage of the ebb and flow of investment fashion. Given the low cost of rebalancing it makes sense to keep portfolios in line with the investors' chosen mix of assets and associated risks.