Ready-made Portfolios

Built by us, for you

Ready-made Portfolios are for people who want to invest but don’t want do all the legwork. They’re built and looked after by us – you just pick the one that suits you and we do the rest.

Choose your portfolio

What are Ready-made Portfolios?

Like their name suggests, they are portfolios that come ready-made with a collection of investments. This means you don’t have to spend time choosing and checking investments for yourself.

Our Bestinvest Ready-made Portfolios are built and looked after by the investment team at Tilney – our sister company that specialises in investment management and looks after more than £20 billion of people’s money. The team spends their days deciding where and how much to invest, reviewing the portfolios and making any changes when they need to.

Each of the portfolios contains a range of investments that our team believes are most likely to make money in the long term. The team dedicates a lot of time to finding the right mix of different investments – that will perform the best, in line with the portfolio’s objectives and risk level, with the least chance of losing money (which all investments can do).

There are six portfolios to choose from. Each one is designed for a different kind of person – whether you are cautious or adventurous with your money, and investing to grow your savings or get a regular income.

The team behind the portfolios

The portfolios are looked after by Tilney’s investment team. They’re the same people behind Tilney’s investment management services, some of which are only available to people with hundreds of thousands of pounds to invest.

Each member of the team specialises in a particular area – whether that’s researching individual investments or making sure the portfolios reflect any changes in the economy or political world. They have been doing this for years and are some of the most qualified people in the investment industry – so you know your money is in good hands.

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Who are Ready-made Portfolios for?

Ready-made Portfolios are popular with people who:

  • Want to invest but aren’t sure where to start
  • Have better things to do than check and choose investments
  • Aren’t interested in investments or the stock market
  • Would feel more comfortable with a team of professionals looking after their money

What are the benefits?

There are plenty of reasons to start investing with a Ready-made Portfolio.

It’s easy

Hot air balloons

Our team continually reviews the portfolios, checking that they are performing well and making any changes when necessary. So once you’ve chosen a portfolio you won’t have to lift a finger, although it’s a good idea to review your feelings towards investment risk regularly and make sure that the portfolio is still right for you.

Your money is in good hands

Your money will be looked after by Tilney’s investment team. They do this all day, every day – so you can be sure your money will always be held in high quality investments that the team believes are the most likely to do well for you (although there is always a risk of losing money).

Great value

Ready-made Portfolios will cost you a little more than picking and looking after your own investments. But they’re still one of the cheapest ways to have your money managed by professionals.

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Frequently asked questions

What is a Ready-made Portfolio?

Like their name suggests, Ready-made Portfolios are portfolios that come ready-made with a collection of investments. They are also looked after by our team, so you don’t have to spend time choosing and checking investments for yourself.

Which investments are in Ready-made Portfolios?

Each of our Ready-made Portfolios holds a mix of different investments including shares, bonds, property, commodities (such as gold), hedge funds and cash.

How much do they cost?

Because the Ready-made Portfolios are managed by a team of investment professionals, they cost a little more than choosing your own investments. The annual management fees for our Ready-made Portfolios range from 1.45% to 1.54%, and our account fees are 0.4% a year.

Which accounts can I invest in?

You can invest in a Ready-made Portfolio with our Stocks & Shares ISA, Investment Account and Junior ISA.