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Barclays launches ready-made investments – A simple solution to building a diversified investment portfolio

  • Ready-made Investments provide a simple solution to building a diversified portfolio by investing in a single Barclays fund which the investor chooses
  • The product removes the complexity from investing by offering a choice of funds matched to customers’ chosen risk profile and financial goals
  •  Barclays investment experts undertake day-to-day reviews to take advantage of opportunities in the market, allowing customers to benefit from Barclays’ investment expertise and heritage

Barclays has today announced the development of its Ready-made Investments, an efficient and cost-effective way to acquire a diversified fund investment, benefiting from the best of Barclays’ investing expertise.


Ready-made Investments remove the complexity from investing, allowing customers to effectively build a diversified investment portfolio by investing in individual Barclays funds. Barclays’ Smart Investor customers1 can now easily select from a range of existing Barclays funds which they can select as matched to their chosen risk profile and financial goals, making it straightforward for beginners to get started. Each fund is made up of a mix of investments across different asset classes, giving instant access to a diversified portfolio with global exposure.


In terms of financial goals, customers can choose between ‘Growth’ and ‘Income’ investments. Growth investments aim to increase the value of investments over time, whereas Income investments suit those looking for a regular income.


Ready-made Investments are available through Barclays’ direct investing service, Smart Investor, with customers benefiting from Smart Investor’s clear and simple pricing structure, shown below.


Ready-made Investments carry an ongoing management fee, which is in addition to Smart Investor’s customer and transaction charges. The Growth Investment funds have an ongoing management fee of 0.45 per cent, and the management fee for the Income Investment funds is 1.45 – 1.48 per cent.


Smart Investor fees and charges:




All other investments

Customer fee

0.2% per year

0.1% per year

Minimum customer fee

£4 per month

Maximum customer fee

£125 per month

Transaction charges (online)



Transaction charges (phone)


Regular investments


All other activities and services




The investment funds provide access to the best of Barclays’ economic and investment know-how. Barclays’ team of investment strategists undertake daily reviews, taking into account market developments and altering the fund’s asset allocation accordingly, while staying true to the fund’s risk profile.


The minimum investment is £50 and, as with all investments available through Smart Investor, education and an “are you ready to invest?” tool are provided to ensure customers consider for themselves whether investing is right for them before they commit any money. Smart Investor does not provide personal advice. If customers are unsure about the suitability of investment for them, they would need to take independent advice.


Clare Francis, Savings and Investments Director at Barclays, said: “Over the longer term, stock market investments have tended to perform better than cash savings (though of course, past performance of investments is not a reliable indicator of their future performance), and in the current low interest rate environment, stock market investments are one of the few ways that you might still beat inflation while growing a nest egg, albeit at the risk of loss of capital. However, our research shows that uncertainty about what to invest in is still one of the biggest barriers preventing people from getting started. Ready-made Investments are designed for people who understand the benefits of investing and who want the reassurance of a carefully selected range of assets, with a risk level they feel comfortable with.”


Considerations when starting to invest:

  • Check you’re only spending what you can afford and saving where you can – pay off expensive debts before starting to save
  • It’s important to build your cash savings to cover unexpected events before considering investing
  • Avoid borrowing or using credit to fund your investments
  • Consider your financial goals and how best to meet them – think about the level of risk you are comfortable with
  • Do your homework –look into different types of savings and investments before deciding which is best to help you achieve your financial goals
  • The nature of investing is such that the value of your investments may go up and down over time and you may lose money. You have to be prepared to accept that risk. Investing is only suitable for longer-term goals. If you’re unsure, speak to an independent financial advisor.”
Notes to editors

1 Smart Investor is currently available to all Barclays customers with an online banking account

About Barclays

Barclays is a transatlantic consumer, corporate and investment bank offering products and services across personal, corporate and investment banking, credit cards and wealth management, with a strong presence in our two home markets of the UK and the US.

With over 325 years of history and expertise in banking, Barclays operates in over 40 countries and employs approximately 120,000 people. Barclays moves, lends, invests and protects money for customers and clients worldwide.

For further information about Barclays, please visit our website .