Want to invest but don’t want to build a portfolio for yourself? InvestEngine’s LifePlans offer a solution: ready-made, fully robust, managed portfolios that can have you investing like a pro in a few clicks.
InvestEngine’s LifePlans combine the hands-off ease of our managed portfolios with the choice of our DIY offering – you choose the risk level and we manage the portfolio over time using our expertise.
They’re built and maintained by our team of experienced portfolio managers. They monitor markets daily, analysing trends and making sure that the range is fit for purpose over the long-term.
The range
There are five portfolios to choose from when using InvestEngine’s LifePlans. They range from low-risk to more adventurous and each one is fully diversified and built by an expert.
The difference between the options is simple: it’s all about the split between equities and bonds. We’ll get into which portfolio is right for you next, but ultimately it’s a choice based on your time horizon and your attitude to risk.
Each LifePlan portfolio is monitored and updated where necessary by our team of investment experts. This means you can get a ready-made portfolio that suits your investment goals and be secure in the knowledge that it’s being looked after.
Which LifePlan is right for me?
Your choice of portfolio will depend a lot on what you’re investing for. At its simplest, it comes down to how long you’re investing for and when you will need to use the money.
Putting money aside for a housing deposit in two or three years? You’ll want a portfolio at the lower end of the risk spectrum to minimise the chance of losses. Investing for the long-term? You can take on more risk in the hunt for better returns.
The rule of thumb here is that more equities tends to mean more risk, while bonds are there to provide greater stability and predictability. The trade-off is that equities tend to come with the potential for higher returns.
Our LifePlans range from 20% equities all the way up to 100%. Judge how adventurous you want to be with your portfolio and pick a LifePlan that reflects those goals. Also, read our full guide on investing based on your time horizon.
LifePlan 20 is ideal for low-risk investing, with 20% shares and 80% bonds. It’s perfect for those seeking returns with minimal risk.
LifePlan 40 is a balanced option, with 40% shares and 60% bonds, for those comfortable with a bit more risk.
LifePlan 60 is for those seeking higher growth, offering 60% shares and 40% bonds – a solid choice for medium-risk investors.
LifePlan 80 is designed for those with higher risk tolerance, focusing on long-term growth with 80% shares and 20% bonds.
LifePlan 100 is fully invested in the stock market, with 100% shares. This high-risk, high-reward option is for those aiming for maximum growth.
How to get started
Setting up a LifePlan portfolio is easy. Once you’ve signed up for InvestEngine, head to your dashboard and click +Add a new portfolio.
Then, choose the type of account you want – ISA, GIA or Pension – and then select LifePlan. You’ll then choose which LifePlan you want to invest in, from 20% Equity to 100% Equity.
You’re all set! You can start investing in your LifePlan right away and make use of our range of powerful investing tools to get you on your way.
Important information
Capital at risk. The value of your portfolio with InvestEngine can go down as well as up and you may get back less than you invest. ETF costs also apply.
This communication is provided for general information only and should not be construed as advice. If in doubt you may wish to consult a professional adviser for guidance.
Tax treatment depends on personal circumstances and is subject to change, and past performance is not a reliable indicator of future returns.