Interactive Investor

Quick-start Funds

Discover an easy way to start investing. Six low-cost funds chosen by our experts.

Quick-start funds - we've done the hard work for you

These Quick-start Funds are not personal recommendations, meaning we have not assessed your investing knowledge and experience, your financial situation or your investment objectives. You should ensure any investment decisions you make are suitable for your personal circumstances. Note that interactive investor does not endorse any particular product. If you are unsure about the suitability of a particular investment or think you need a personal recommendation, you should speak to a suitably qualified financial adviser. The value of your investments, and the income derived from them, may go down as well as up. You may not get back all the money that you invest.

What are Quick-start Funds?

Our six Quick-start Funds offer a simple starting point for investing. These low-cost funds have been specially selected by our experts, and many experienced investors rely on them too. 

All our Quick-start Funds are invested across a wide range of industries. They are like ready-made portfolios that give you one-stop access to the world's markets. Each one has a different level of risk, so you can decide which one is right for you.

You will need to decide between passive investing and active/sustainable investing and then select the fund that suits your attitude to risk and your goals. But please remember that these risk levels are just a guide, and there is risk involved with any kind of investing.

Quick Start Funds - Moira O'Neill October 2020

Vanguard LifeStrategy® Funds

Three Vanguard LifeStrategy® Funds were chosen by our experts for their balanced approach and low cost.

  • Choose from three funds with lower, moderate and higher risk. You can decide which one best suits your attitude to risk.
  • Passively managed. They follow the performance of the market and don’t have a fund manager. This helps make their charges lower.
  • All sectors. Investments in a wide range of industries across the world’s markets.

Quick Start Funds - Moira O'Neill October 2020

Vanguard LifeStrategy® 20% Equity Fund

If you are looking for less risk, rather than higher returns, this fund is a great place to start.

Vanguard LifeStrategy® 60% Equity Fund

If you are comfortable with a little more risk, this fund is a good middle ground investment. 

Vanguard LifeStrategy® 80% Equity Fund

For potentially higher returns, in exchange for more risk, this fund could suit your portfolio.

More information

  • Each fund is created with 6,000 to 20,000 shares and bonds.
  • Investments in the world's markets, helping to reduce your risk.
  • Vanguard will rebalance your fund to keep the original proportion of shares and bonds.
  • Investments in the full range of sectors including technology, media and energy.

Charges for LifeStrategy® funds

Ongoing charges of just 0.22%. For every £1,000 you invest, just £2.20 goes on management costs.

Including other fees, such as transaction charges, the total product cost is:

  • LifeStrategy® 20% equity fund: 0.28%
  • LifeStrategy® 60% equity fund: 0.27%
  • LifeStrategy® 80% equity fund: 0.27%

You can review costs in more detail in each fund’s cost disclosure document. Simply select ‘See factsheet’ then select ‘View ‘Cost Disclosure Document’ in the Documents section.

How Vanguard runs the funds

How Vanguard really runs its Lifestyle funds

A good starting point for all investors

Why Vanguard LifeStrategy is a good starting point for all investors

BMO sustainable funds

  • Choose from three funds – Cautious, Balanced or Growth. You can choose the approach to risk that suits you.
  • Actively managed. They have a fund manager that selects investments. They target inflation-beating returns, but this isn’t guaranteed.
  • Sustainable. Responsible investments in companies that make a positive difference to the world.

BMO Sustainable Universal MAP Cautious

For investors who want to take a more cautious approach to risk.

BMO Sustainable Universal MAP Balanced

For investors who want to take a balanced approach to risk and returns.

BMO Sustainable Universal MAP Growth

For investors who want to take a more adventurous approach to risk.

More information

  • Charges of just 0.35%. This is exceptionally low for a managed fund.
  • Investments in the world's markets, helping to reduce your risk.
  • BMO offers expertise in responsible investment in companies making a positive difference to the world.
  • Targets inflation-beating returns over five years, but this isn’t guaranteed.

Charges for BMO sustainable funds

Just 0.35% for each of the three funds. For every £1,000 you invest, just £3.50 goes on management costs. 

You can review costs in more detail in each fund’s cost disclosure document. Simply select ‘See factsheet’ then select ‘View ‘Cost Disclosure Document’ in the Documents section.

Please note that ii does not endorse any particular product and cannot make a personal recommendation for you.

Spotlight on BMO Podcast

Kyle Caldwell, Collectives Editor at interactive investor, chatted to Simon Holmes, lead fund manager of the BMO Sustainable Universal MAP range, about how the three funds engage with companies to drive positive change.

Why did we choose these funds?

Our Quick-start Funds are simple and transparent with strong access to world markets. They offer good value for money and are very competitively priced. Investors can choose between funds that track the market or are looked after by fund managers. There is also a tailored choice of funds for sustainable investing.  

Moira O’Neill, Head of Personal Finance at interactive investor

Quick-start Funds FAQs

Tools and insight

We answer your questions about the Quick-start Funds and how to start investing. Click here to find out more.

Get started today

Quick-start Funds can be held in any of the accounts we offer.

£9.99 a month covers you for multiple accounts (open a SIPP by 30 September and pay no SIPP fee until April 2022. Then just £10 a month extra).

Our flexible trading account, where you can invest in all markets in the way you want.

Make the most of your tax-free savings allowance with our award-winning Stocks & Shares ISA.

Invest for a better future with our great value, award-winning SIPP.

Looking for more choice? Discover a range of investments rigorously selected by our experts, with quality options for any portfolio.