HL Ready-Made ISA
Leave it to the experts with our all-in-one ISA
An easy way to invest this year’s ISA allowance
The HL Ready-Made ISA lets you leave day-to-day investment decisions to a team of experts, while sheltering your money from tax.
The investments are made up of a diversified collection of funds, offering a simple all-in-one option if you need a bit of help with where to invest your ISA allowance.
You should check in on your investment from time to time to make sure it still meets your needs and investment objectives. You can add money and make changes to your investment choices at any point.
You can buy or hold other investments alongside these investment options. If you’d prefer to choose your own investments, you can build an ISA from scratch. If you’d rather buy a Ready-Made Investment outside of an ISA, you can choose from other account options.
This isn't personal advice. Please ask for investment advice if you’re not sure what’s right for you.
Consider a Ready-Made ISA if:
- You'd like a team of experts to look after the day-to-day investment decisions.
- You won't need the money for at least 5 years.
- You've already built up cash savings for emergencies.
- You’re saving for a long-term goal and want your money to grow over time.
Think about alternatives if:
- You are not comfortable with the value of your investment going up and down.
- You're unsure of the differences between saving and investing.
- You don't feel comfortable choosing and reviewing your investment. If you're not sure investing is right for you, ask for financial advice.
- You'd like more control to build your own ISA portfolio.
- You’d prefer to invest for income.
Important information: please remember that the value of investments, and any income from them, can fall as well as rise. You could get back less than you invest. You should still be comfortable choosing an investment without personal advice. You're responsible for making sure your decisions are right for your circumstances and needs. If you're not sure a decision or investment is right for you, please contact us for financial advice. The HL Ready-Made Investments are run by our sister company Hargreaves Lansdown Fund Managers Ltd. Tax rules for Stocks and Shares ISAs can change and their benefits depend on your circumstances.
Choose your risk level
You can choose from 4 ready-made investments, which offer different levels of risk for your ISA. When we say ‘risk’ we usually mean market ups and downs. The higher the risk level, the more your investments might move up and down - but the overall returns could be greater.
For each ready-made investment, you can get started from £100 as a lump sum, or from £25 a month.
Why choose HL for your Ready-Made ISA?
- Ease: choose the investment which best matches your needs
- Expertise: investment experts make the day-to-day investment decisions
- Transparency: see how your Ready-Made ISA is performing, online or via the HL App
- Trust: for more than 40 years we've helped investors make the most of their money. Over one million clients trust us with their accounts
Awards
BEST BUY ISA 2023
Boring Money Best Buys
BEST INVESTMENT APP 2024
Boring Money Best Buys
BEST FOR CUSTOMER SERVICE 2024
Boring Money Best Buys
Help and support
If you have any questions about the portfolio funds, you can speak to one of our client support experts by calling 0117 900 9000.