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Ready Made Investment Portfolio ISAs

Low cost ready made investment portfolios put together by experts

Ready made investment portfolios can be a great way to invest in a stocks and shares ISA if you are new to investing or simply don't have time to choose your own investments. See a selection of ready made investment portfolio ISA options to help you choose the best way to invest your 2021-22 ISA allowance.

Selected ISAs

Stocks & Shares ISA

from Nutmeg

ISA Option
Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: Nutmeg offer 4 diversified portfolios with exchange traded funds (ETFs), using technology to keep charges low and clearly show where you’re invested.
  • Invest From: Min. £500 single

Why we like it: Get an intelligent stocks & shares ISA portfolio - Choose from one of 4 portfolio options. No tie-ins, no set-up fees, no exit charges. Easy, online set up in minutes. Start with as little as £500. Portfolio management fees of 0.45%-0.75% up to £100k. 0.25%-0.35% beyond £100k. There are also underlying investment charges, see Nutmeg's fee page. Plus, live chat, amazing customer support and brilliant investor tools and guides. Authorised and regulated by the FCA. Capital at risk. ISA rules apply.

Investment Fund Supermarket ISAs

Model Portfolio ISA

from AJ Bell

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: Choose the fund that suits you. There are eight in total, each built by our specialist team at AJ Bell Investments.
  • Invest From: £25 pm

Why we like it: The ‘no-hassle’ option – just choose your fund and how much to invest. That’s it. They do everything else from there, including managing and rebalancing the fund whenever they think it’s necessary.

Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.

Model Portfolio ISA

from Interactive Investor

ISA Option
Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Need help choosing the right investments? ii's experts have carefully selected investments to point you in the right direction.
  • Invest From: £25 a month or any lump sum

Why we like it: Designed to make it easier for investors, these four portfolios offer either growth or income options, with a choice of actively managed investments or low-cost tracker funds including an ethical growth portfolio. Low cost fees and trading.

Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.

Model Portfolio ISA

from Hargreaves Lansdown

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: You can invest for income or growth and select from three pre-determined risk levels.
  • Invest From: £25 pm

Why we like it: Choose from one of 6 ready made portfolios based on your attitude to risk. Portfolios rebalanced twice a year. No charge to buy and sell funds. Low, tiered annual charges for holding funds, with a maximum of just 0.45% per annum. Free fund updates and analysis from experienced research team. Invest with a financially secure, FTSE 100 company.

Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.

Model Portfolio ISA

from Moneyfarm

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: Choose your risk profile and have it matched to an investment portfolio expertly built and managed using exchange traded funds (ETFs)
  • Invest From: £1,500

Why we like it: Answer questions about your goals, financial situation and attitude to risk, and Moneyfarm will recommend the right ISA portfolio for you, built and managed by experts to help your money grow. You’ll always be invested in a portfolio that’s suitable for you, and you can manage this through the Advice Centre. See what you’re invested in, how you’re performing and how much you’re paying anywhere and any time with the Moneyfarm app. Add money to your ISA by setting up a direct debit, investing a lump-sum, or by transferring old ISAs for free

What is a ready made investment portfolio ISA?

A ready made investment portfolio is simply a collection of investments and a fund portfolio ISA offers a convenient way to utilise your annual investment ISA allowance across a wide range of assets.

The portfolio will typically be put together by investment experts and different portfolios will usually have different risk profiles e.g. cautious, balanced, adventurous.

Some providers may create portfolios using a number scale; 1 for low risk up to 7 for high risk. This is particularly useful for new investors who can decide what trade off they want between investment risk and potential investment returns.

This can allow you to diversify your potential means of earning a return on your saving and help you to spread your risk.

A ready made portfolio may include various types of assets such as equity, cash and bonds. 

Different fund portfolio ISAs may focus on a specific geographical area or specialise in a particular market. 

The exact proportion you invest in each area will depend on your approach to risk as well as your investment objectives.

Most investment experts would agree that a balanced portfolio is vital when it comes to maximising your chances of getting a good return on your investments.

With a ready made portfolio the manager will typically rebalance the portfolio at least annually to ensure the risk profile is maintained.

What types of ready made investment portfolios are there for my ISA?

There are various ready made investment portfolios to suit different types of investors with different financial goals and attitudes to risk.

Examples offered by many leading providers include:

Growth portfolios – Funds are chosen with the aim of achieving long term growth. Investors will likely not see an immediate return, but could achieve a significant return over a longer time frame. 

Income portfolio – Funds are selected with the aim of delivering a consistent level of income. This type of ISA is likely to pay out on a regular basis, which may be monthly, quarterly, semi-annually or yearly. As your money is in an ISA wrapper income will be paid to you tax free.

Ethical portfolio – Funds are chosen with the aim of achieving a balanced risk approach, while fulfilling certain ethical criteria e.g. sustainable investing, investing in companies that deliver products or services that have a positive impact on people and the environment. 

This type of portfolio may result in slightly lower returns that some alternatives, but is popular with conscientious investors. Interactive Investor for example offer a ethical growth ready made portfolio managed by their investment experts which can be held in an ISA.

UK portfolio – Funds are selected with the aim of delivering income or growth, or a combination of the two, through investment in UK companies. This type of fund is popular with investors who wish to use their savings to help stimulate the UK economy.

Global portfolio – Funds are chosen from a variety of non-UK companies with the aim of achieving income, growth, or both. Spreading your investments around the world can help to mitigate the risk of volatility in a single country’s market.

5 Shares For Your 2021 ISA – Free Guide

Investment inspiration for this year’s ISA allowance.

It’s looking more and more likely we’re past the worst of the pandemic.

For five shares that could be worth a look in this context, download a FREE factsheet to discover Hargreaves Lansdown’s experts’ latest picks.

They include:

  • One of the world’s largest mining companies
  • A social media giant eyeing digital dominance
  • An intriguing ‘boring’ stock

Request Hargreaves Lansdown FREE guide »

Important Risk Information:

The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice.

High Income ISAs

High income ISA ideas:

ISAs Products

Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

5 Considerations for Your Next Investment ISA

15th March 2021

You've decided to invest your savings into a Stocks and Shares ISA. You'll be using your tax-free ISA allowance for this year before the deadline, while also investing your money for your future. But what do you need to consider before opening an account? We've put together a list of our top five considerations for you to think about before you click "apply". 

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