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Investing in Funds

Investing in funds

Find out what funds are and how to invest

Important information - Our service is designed for investors who want to make their own investment decisions without personal advice. If you are unsure of the suitability of an investment for your circumstances please contact us for advice. Investments will fall as well as rise in value so you could get back less than you invest. Tax rules can change and benefits depend on individual circumstances. Once held in a pension money is not usually accessible until age 55 (57 from 2028).

What is a fund?

A fund is an investment that pools together money from lots of individuals. The fund manager then invests the money in a wide range of assets e.g. UK shares, overseas shares, bonds etc. Each investor is issued units, which represent a portion of the holdings of a fund.

Different funds specialise in different sectors - for example, if you're interested in Europe you could invest in a fund that focuses on Europe.

See our most popular fund sectors

Example fund Example fund
UK shares: 46%
Overseas shares: 24%
Corporate Bonds: 15%
Property: 7%
Funds: 5%
Other: 3%
Woman holding a baby watering a plant in the garden

Why invest in funds?

Fund managers choose and manage underlying investments

Benefit from the expertise, knowledge and time spent by the fund manager and their team researching and picking the best opportunities in a chosen sector.

Diversifying

Investing in funds means your money is spread across multiple assets. As some investments will perform better and some worse over time, diversifying will, in theory, help spread the risk and smooth returns over time.

Investing for the long term

We always recommend investing for at least 5 years - you have a better chance of riding out short-term volatility and benefitting from greater returns.

Getting started investing in funds

Getting started is easy, whether you already have an account with us or are new to HL. If you're new you can open an account first and choose your funds later. Or, you can start by building your fund portfolio and then opening an account to hold it in. Invest from as little as £25 a month or with a £100 lump sum.

Help choosing an account

Choose funds

Whether you want a ready-made portfolio, to build your own portfolio or choose from our list of selected funds, we can help you.

Open an account

Choose from our range of award-winning accounts. Simply open an account and choose your funds straight away, or invest at a later date.

Get expert research

Stay up to date with our expert fund and share research to help you make informed decisions.

Portfolio+

Ready-made portfolios

Our ready-made options are simple, transparent and expertly managed.

Leave it to an expert

Wealth 50

Portfolio building principles

Tips and principles to help you build your own portfolio, including ideas on what proportions you could invest across different investment types.

How to build a portfolio

Investment ideas

The Wealth Shortlist

Build a portfolio using funds chosen by our analysts for their long-term potential.

View Wealth Shortlist

Stocks and Shares ISA

Shelter £20,000 from tax, with access when you need - choose from ready-made investments, do-it-yourself or get a little help from our experts.

Open an ISA

More on ISAs

Fund and Share Account

Build your fund and share portfolio with our flexible investment account. Free fund dealing and online share dealing from £11.95 to £5.95 per trade.

Open an account

More on dealing accounts

View our charges

Personal Pension (SIPP)

Make more of your pension with our low-cost, award-winning account, wide investment choice, and expert research.

Open a SIPP

More on pensions

fund research

Read our sector reviews and fund updates or sign up to receive information by email.

Read our fund research
sector reviews

Find out what our research team think across all the major investment sectors.

Read our sector reviews

Is it time to transfer?

Having savings and investments in different places can make it difficult to stay on top of things.

By bringing everything together, you could give yourself greater visibility, more control and the potential for better returns.

Why hold funds with Hargreaves Lansdown?

  • Choose from over 3,000 funds

    Whether you're an experienced investor, just starting or want to leave it to an expert, you'll be able to find the right funds, with over 3,000 funds to choose from.

    Search our list of funds

  • Expert fund research

    Our experienced research team's knowledge and insight is available to you with regular research updates. Sign up to alerts to keep you up-to-date with the latest insight.

    Read our fund research

  • No charge to buy or sell funds

    Most fund trades cost absolutely nothing and are usually confirmed by the next working day. We also have an automated low-cost income reinvestment service.

    See our charges

  • Invest from £100 or just £25 per month

    Pay in on a monthly basis from £25 a month. You can choose to invest in funds, FTSE 350 shares or eligible investment trusts, or hold the money as cash until you choose what to do with it.

    More about regular investing

Frequently asked questions about investing in funds