InvestEngine LifePlan Portfolios
Our leading range of globally diversified portfolios designed by our investment experts for you
With investing, your capital is at risk
Capital at risk
The value we add
Designed to suit you
How you invest your money should reflect what you’re looking to achieve, your time horizon and the amount of risk you’re willing to take to earn an attractive return.
Each LifePlan comes with a different mix of shares and bonds, allowing you to find a portfolio that best suits you. The higher weighting of shares should typically give you the chance for higher returns, but can be riskier. Bonds tend to be more stable but offer lower potential returns.
Global diversification
We invest around the world and across asset types, with a mix of stocks and bonds.
Having a spread of investments means your returns aren’t dependent on one specific stock market or asset. Diversification gives you access to more investment opportunities, reduces risk in your portfolio and helps deliver more consistent performance over time.
Asset allocation with insight
The core asset allocation of our LifePlan Portfolios is based on diversified global market indexes, but we also adopt a mean‑variance optimisation approach based on Modern Portfolio Theory to adjust investment exposures.
For example, we might increase our weighting to a market with higher expected risk‑adjusted returns and a low correlation with other portfolio holdings. Or with bonds, we may vary exposure to inflation‑protected bonds and duration levels, depending on our analysis of where the best value lies.
For more information on our portfolio construction process, please refer to our Investment Philosophy.
Expert ETF selection
We invest using exchange‑traded funds (ETFs). With their low costs, market‑tracking performance and effective diversification, these are great building blocks for robust portfolios.
Our experts select best‑in‑class ETFs that track different markets ‑ we then monitor their performance to ensure that they remain fit for purpose.
Balancing risk and return
We all want the best possible returns from our investing, but it’s important to maintain an appropriate level of risk.
We put a lot of work into creating portfolios that can deliver great long‑term performance while helping to smooth out the inevitable ups and downs of investing in the stock market. The mix of investments we select for your LifePlan Portfolio is crucial to getting this risk‑reward balance right. If you’re looking for higher returns and are prepared to take on more risk, a portfolio with a higher weighting to shares may be best for you. If you’re a more cautious type, your chosen portfolio is likely to contain more bonds.
Keeping your investment plan on track
As markets rise and fall, we ensure that your investments remain fit for purpose.
We’re constantly reviewing your portfolio to ensure it remains well‑positioned for the latest market conditions. We then employ a disciplined rebalancing process to maintain your portfolio’s risk level by adjusting the size of holdings as their prices shift. You can check your portfolio’s performance at any time via our website or app, and every quarter we provide a detailed report of your investment returns and activity.
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Why InvestEngine
We charge just 0.25% a year for managing your portfolio, that's just £2.50 for every £1000 you invest. The ETFs in your portfolio have their own costs.
Read more about costs
Our LifePlan Portfolios invest in the stock market, giving you the opportunity to earn more in the long-term
We seek to maximise growth at a risk level you’re comfortable with. Growing your wealth is just as important as keeping it.
Top up your portfolio weekly, fortnightly or monthly with our Savings Plans.
The investment team behind your LifePlan Portfolio bring decades of investment expertise.
Find out more about the value they add to your investing.
While we recommend you invest in our LifePlan Portfolios for a minimum of five years, you can make withdrawals at any time.
Authorised and Regulated
and covered by the Financial Services Compensation Scheme (FSCS)
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With investing, your capital is at risk, ETF costs apply.
