MJ 3

How it works

Step 1) Open a Ready-made ISA in just a few minutes.

Step 2) Choose whether you want to invest in our Cautious, Balances or Adventurous fund.

Step 3) Add funds in a lump sum or set up a direct debit. Our investment experts will do the rest.

Cautious fund

The Fund aims to achieve a combination of income distributions of approximately 4% per annum and capital growth in excess of the IA Mixed Investment 20-60% Shares Index. The Fund invests primarily in a portfolio of other investment funds. These funds, in turn, invest mainly in UK markets, with no more than 60% in company shares and no less than 30% in bonds and cash. The bonds (which are loans that can pay a fixed or variable interest rate) can be issued by companies and governments and may be of any credit quality.

Balanced fund

The Fund aims to achieve a combination of income distributions of approximately 2% per annum and capital growth in excess of the IA Mixed Investment 40-85% Shares index. The Fund invests primarily in a portfolio of other investment funds. These funds, in turn, invest in UK and other key international markets, including the United States, Europe and Japan. The fund offers access to company shares, bonds (which are loans that can pay a fixed or variable rate of interest and may be of any credit quality) and other assets, including cash.

Adventurous fund

The Fund aims to achieve capital growth in excess of the IA Flexible Investment Index. The Fund invests primarily in a portfolio of other investment funds. These funds, in turn, invest in UK and other key international markets, including the United States, Europe and Japan. The fund will also invest in emerging markets, which are typically countries that are still developing their economies. The Fund offers access to company shares, bonds (which are loans that can pay a fixed or variable rate of interest and may be of any credit quality) and other assets, including cash.