Ready-made Portfolios

Choose a simple, low cost portfolio to get you started

Ready-made investments, managed by experts

Building and managing your own portfolio isn’t for everyone. That’s why we created the Ready-made Portfolio range.
They combine multiple individual funds giving you access to thousands of investments in a single portfolio. If you’re not confident selecting your own investments, or would prefer to leave this to professionals, you may want to use one of the ready-made portfolios.

The funds allow you to have access to a range of global investments, without the hassle of selecting investments yourself. They’re a kind of one-stop solution that keeps your investments on track with little intervention from you. Find out more below

The Portfolios

When you’re deciding which portfolio to choose, just think about how long you have until you want to draw your pension, and how much risk you’re willing to take.

Generally the more risk that you’re prepared to take, the greater the potential return. However, this also means a greater potential for loss. You just need to choose a portfolio that suits your investing and retirement goals.

This portfolio invests into the following funds:

49% – Vanguard LifeStrategy 20% Equity fund

49% – BlackRock Consensus 35 fund

2% – Cash

Click on each fund for more information.

This portfolio invests into the following funds:

49% – Vanguard LifeStrategy 60% Equity fund

49% – BlackRock Consensus 60 fund

2% – Cash

Click on each fund for more information.

This portfolio invests into the following funds:

49% – Vanguard LifeStrategy 80% Equity fund

49% – BlackRock Consensus 85 fund

2% – Cash

Click on each fund for more information.

This portfolio invests into the following funds:

33% – Royal London Sustainable World Trust

33% – Baillie Gifford Positive Change Fund

33% – Liontrust Sustainable Future Global Growth Fund

1% – Cash

Click on each fund for more information.

Funds from the world's leading Investment Managers

Why use a ready-made portfolio

Diversified

The portfolios invest into multi asset funds which means your money will be spread across different assets classes as well as exposure to countries around the world.

No extra cost

There is no extra cost for using the portfolios. You just pay the product charges (SIPP, ISA, JISA, GIA) plus the ongoing charges for the underlying funds in the portfolio.

Transparent

You will be able to see how the investments are performing from your online account, 24/7.

Expert managers

The funds in the portfolios are managed on a day to day basis by some of the world's largest investment managers.

Is a ready-made portfolio right for me?

It could be right for you if:

It's not for you if:

Risks and things to consider

Take control of your pension

MES Essentials SIPP MES SIPP

SIPP value

From £25,000
From £50,000

Withdrawals

Full flexi-access drawdown

Payments to overseas bank accounts in over 40 currencies

Full flexi-access drawdown

Payments to overseas bank accounts in over 40 currencies

Investments

Default investment option only

(Vanguard SustainableLife 60-70% Equity Fund)

Multi currency investments and cash

ETFs & Investment Trusts

Unit Trusts and OEICs (Mutual Funds)

Annual charge

£350

+

0.30% on full balance

Full charges schedule

£425

+

0.35% on balances up to £1m

0.20% on balances over £1m

Full charges schedule

Select the appropriate SIPP