Ready-made portfolios
An expert pick of funds to get you up and running

Ready-made portfolios An expert pick of funds to get you off and running

Perhaps the hardest part of investing is knowing where to start. The AJ Bell Ready-made portfolios have been designed to help you hit the ground running.

There are four Ready-made portfolios. Take a look at each portfolio’s objective to help you decide which is the right one for you.

Important information

Once you’ve invested in an AJ Bell Ready-made portfolio, responsibility for managing it rests with you. So you need to be sure you have the time, and confidence, to do this. Each portfolio is designed to be held for five years or more. And the funds we’ve chosen in each one are guidance only – not a personal recommendation.

Ryan Hughes, Head of Active Portfolios introduces the AJ Bell Ready-made portfolios

At a glance: Ready-made portfolios

  • An investing starter kit
  • Four portfolios, built by our investment team – choose the one that suits you
  • Only features funds from the AJ Bell Favourite funds list, researched and chosen by our investment experts
  • You can adjust each portfolio before buying it, or add other funds from the Favourite funds list

Built by our in-house team, the AJ Bell Ready-made portfolios let you leave the work of choosing your investments to the experts. All you need to do is pick the portfolio that’s right for you – or adjust it as you see fit – and you’re ready to go.

When you buy a Ready-made portfolio, the funds within it will be added to your account. You'll see them appear alongside any other investments you already have, allowing you to monitor and manage them easily.

Learn more about how we create the Ready-made portfolios

Choose your portfolio

Portfolio objective

The cautious portfolio aims to grow your money modestly over time – beating cash returns – while keeping ups and downs to a minimum.

It does this by investing mostly in conservative assets such as bonds. There’s some exposure to more aggressive assets such as shares, but mostly in the UK and developed markets.


How much do you want to invest?


Changing this portfolio

By adjusting the asset allocation, or adding different funds to your chosen portfolio, its overall risk level will change and may not meet your chosen objectives. Before investing, it’s important to research each fund and consider whether it suits your requirements. These funds are designed to be held over the long term: five years or more.

The funds in this portfolio were selected by us. You can leave this selection unchanged and check out, or you can use the sliders to adjust the asset allocation so it better suits your needs. Clicking ‘Add other funds’ lets you choose different funds from the AJ Bell Favourite funds list.

Portfolio asset allocation

Portfolio rating

Lower risk

Higher risk

Typically lower rewards

Typically higher rewards

The risk rating of a portfolio depends on the type of assets it invests in. Bonds are more conservative because they are offer a more certain (though typically lower) return. Shares are more aggressive because they offer a less certain (though typically higher) return.

Keep in mind this applies over the longer term: five years or more.

Projected future performance

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This chart shows the range of returns we would normally expect the portfolio to make. Whilst we have been careful in the assumptions used in this forecast, it is only a forecast and cannot be relied on as a true indicator of future performance. Read more about the charts and assumptions made.

Historic performance

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You should note the following points and assumptions.

Largest loss in a year
Highest gain in a year

Costs and charges

These are the estimated costs and charges you will pay to buy this portfolio. These estimated charges include the charges the fund manager makes for managing the fund (if applicable). They also show our estimated charges for buying and holding the funds with us. If you have any queries with these charges please call our dealing services team on 0345 37 33 479.

The following charges are based on an investment of £...
AJ Bell Youinvest dealing charge ? ...
Annual charges
AJ Bell Youinvest annual custody charge ? ... ...
Average fund managers annual ongoing charge ? ... ...

All charges shown are estimated based on the amount you have chosen to invest. The actual dealing charges will be shown on the dealing confirmation screen and in your contract note. The fund manager’s charges are provided by Morningstar and may not be accurate and you should not rely on this information when making your investment decisions.

Portfolio objective

The balanced portfolio aims for a steady, reliable return on your investment over the longer term, without too many ups and downs.

It does this by spreading its investments between conservative assets such as bonds, moderate assets like commercial property and aggressive assets such as shares – mostly in the UK and developed markets, but a small quantity in emerging markets too.


How much do you want to invest?


Changing this portfolio

By adjusting the asset allocation, or adding different funds to your chosen portfolio, its overall risk level will change and may not meet your chosen objectives. Before investing, it’s important to research each fund and consider whether it suits your requirements. These funds are designed to be held over the long term: five years or more.

The funds in this portfolio were selected by us. You can leave this selection unchanged and check out, or you can use the sliders to adjust the asset allocation so it better suits your needs. Clicking ‘Add other funds’ lets you choose different funds from the AJ Bell Favourite funds list.

Portfolio asset allocation

Portfolio rating

Lower risk

Higher risk

Typically lower rewards

Typically higher rewards

The risk rating of a portfolio depends on the type of assets it invests in. Bonds are more conservative because they are offer a more certain (though typically lower) return. Shares are more aggressive because they offer a less certain (though typically higher) return.

Keep in mind this applies over the longer term: five years or more.

Projected future performance

Loading...

This chart shows the range of returns we would normally expect the portfolio to make. Whilst we have been careful in the assumptions used in this forecast, it is only a forecast and cannot be relied on as a true indicator of future performance. Read more about the charts and assumptions made.

Historic performance

Loading...

You should note the following points and assumptions.

Largest loss in a year
Highest gain in a year

Costs and charges

These are the estimated costs and charges you will pay to buy this portfolio. These estimated charges include the charges the fund manager makes for managing the fund (if applicable). They also show our estimated charges for buying and holding the funds with us. If you have any queries with these charges please call our dealing services team on 0345 37 33 479.

The following charges are based on an investment of £...
AJ Bell Youinvest dealing charge ? ...
Annual charges
AJ Bell Youinvest annual custody charge ? ... ...
Average fund managers annual ongoing charge ? ... ...

All charges shown are estimated based on the amount you have chosen to invest. The actual dealing charges will be shown on the dealing confirmation screen and in your contract note. The fund manager’s charges are provided by Morningstar and may not be accurate and you should not rely on this information when making your investment decisions.

Portfolio objective

The adventurous portfolio aims for strong investment growth over the long term – though with a greater likelihood of ups and downs along the way.

It does this by investing mostly in aggressive assets such as UK and developed market shares, as well as shares in less predictable areas such as emerging markets. There’s also exposure to moderate assets like corporate bonds and commercial property.


How much do you want to invest?


Changing this portfolio

By adjusting the asset allocation, or adding different funds to your chosen portfolio, its overall risk level will change and may not meet your chosen objectives. Before investing, it’s important to research each fund and consider whether it suits your requirements. These funds are designed to be held over the long term: five years or more.

The funds in this portfolio were selected by us. You can leave this selection unchanged and check out, or you can use the sliders to adjust the asset allocation so it better suits your needs. Clicking ‘Add other funds’ lets you choose different funds from the AJ Bell Favourite funds list.

Portfolio asset allocation

Portfolio rating

Lower risk

Higher risk

Typically lower rewards

Typically higher rewards

The risk rating of a portfolio depends on the type of assets it invests in. Bonds are more conservative because they are offer a more certain (though typically lower) return. Shares are more aggressive because they offer a less certain (though typically higher) return.

Keep in mind this applies over the longer term: five years or more.

Projected future performance

Loading...

This chart shows the range of returns we would normally expect the portfolio to make. Whilst we have been careful in the assumptions used in this forecast, it is only a forecast and cannot be relied on as a true indicator of future performance. Read more about the charts and assumptions made.

Historic performance

Loading...

You should note the following points and assumptions.

Largest loss in a year
Highest gain in a year

Costs and charges

These are the estimated costs and charges you will pay to buy this portfolio. These estimated charges include the charges the fund manager makes for managing the fund (if applicable). They also show our estimated charges for buying and holding the funds with us. If you have any queries with these charges please call our dealing services team on 0345 37 33 479.

The following charges are based on an investment of £...
AJ Bell Youinvest dealing charge ? ...
Annual charges
AJ Bell Youinvest annual custody charge ? ... ...
Average fund managers annual ongoing charge ? ... ...

All charges shown are estimated based on the amount you have chosen to invest. The actual dealing charges will be shown on the dealing confirmation screen and in your contract note. The fund manager’s charges are provided by Morningstar and may not be accurate and you should not rely on this information when making your investment decisions.

Portfolio objective

The income portfolio looks to provide regular share dividends and bond interest payments, while delivering steady investment growth too.

It does this by investing widely in conservative assets such as bonds, moderate assets like commercial property and aggressive assets such as shares – mostly in the UK and developed markets, but a small quantity in emerging markets too.


How much do you want to invest?


Changing this portfolio

By adjusting the asset allocation, or adding different funds to your chosen portfolio, its overall risk level will change and may not meet your chosen objectives. Before investing, it’s important to research each fund and consider whether it suits your requirements. These funds are designed to be held over the long term: five years or more.

The funds in this portfolio were selected by us. You can leave this selection unchanged and check out, or you can use the sliders to adjust the asset allocation so it better suits your needs. Clicking ‘Add other funds’ lets you choose different funds from the AJ Bell Favourite funds list.

Portfolio asset allocation

Portfolio rating

Lower risk

Higher risk

Typically lower rewards

Typically higher rewards

The risk rating of a portfolio depends on the type of assets it invests in. Bonds are more conservative because they are offer a more certain (though typically lower) return. Shares are more aggressive because they offer a less certain (though typically higher) return.

Keep in mind this applies over the longer term: five years or more.

Projected future performance

Loading...

This chart shows the range of returns we would normally expect the portfolio to make. Whilst we have been careful in the assumptions used in this forecast, it is only a forecast and cannot be relied on as a true indicator of future performance. Read more about the charts and assumptions made.

Historic performance

Loading...

You should note the following points and assumptions.

Largest loss in a year
Highest gain in a year

Costs and charges

These are the estimated costs and charges you will pay to buy this portfolio. These estimated charges include the charges the fund manager makes for managing the fund (if applicable). They also show our estimated charges for buying and holding the funds with us. If you have any queries with these charges please call our dealing services team on 0345 37 33 479.

The following charges are based on an investment of £...
AJ Bell Youinvest dealing charge ? ...
Annual charges
AJ Bell Youinvest annual custody charge ? ... ...
Average fund managers annual ongoing charge ? ... ...

All charges shown are estimated based on the amount you have chosen to invest. The actual dealing charges will be shown on the dealing confirmation screen and in your contract note. The fund manager’s charges are provided by Morningstar and may not be accurate and you should not rely on this information when making your investment decisions.