• Lifestyle Portfolios are designed to give you flexibility and choice while always allowing you to see how your investments are performing.

    With four very different portfolios to choose from, you can change your investment strategy as your lifestyle and circumstances evolve - and if you live in a country where we can offer our services.

    When you're building an investment portfolio, you need to look to the future. Your personal circumstances, as well as the markets in which you invest, will change – sometimes without notice. This can affect what you want from your investments and when.

  • Our four Lifestyle Portfolios

    Lifestyle Portfolios can help you keep pace with the ever-changing world around you. Whenever your outlook changes, you can simply switch to the portfolio that suits you best, with no charge for doing so.

    • Remember that the value of investments and the income from them can go down as well as up and cannot be guaranteed. Consequently, on selling, investors may not get back the amount they originally invested.
    • Therefore our Investment Managers try to spread the risk across a wide range of asset classes and carefully selected fund managers from around the world.
    • The risk you will be exposed to and potential returns will depend on the portfolio you invest in. For instance the 'Shelter' portfolio is designed to expose you to less risk compared to the 'Aspire' profile.
Income Portfolio
  • Income

    • Designed for investors who are looking to generate income from their savings, while seeking to preserve their capital over the long term.
    • There's a modest risk of fluctuation in the capital value and/or return from your portfolio and levels of income cannot be guaranteed.

    Find out more 

Shelter Portfolio
  • Shelter

    • Designed for investors whose priority is capital conservation while still seeking modest capital growth.
    • There's a modest risk of fluctuation in both capital value and/or return from your portfolio.

    Find out more 

Build Portfolio
  • Build

    • Designed for investors willing to invest for a minimum of five years – preferably ten – and seeking to increase their wealth, without taking an overly adventurous approach.
    • There's an increased risk of fluctuations in the capital value and return compared to the 'Income' or 'Shelter' portfolios.

    Find out more 

Aspire Portfolio
  • Aspire

    • Designed for more adventurous investors, willing to invest for a minimum of five years - preferably ten - and aiming to build their wealth over the long term.
    • There's a potential for greater, long-term growth but also a higher risk of capital losses.

    Find out more 

Key features and risks
  • Key features

    • Four investment portfolios designed with the flexibility and choice to help you on life's financial journey
    • Professionally qualified financial advisers who offer continued support to help you choose the portfolio that suits your needs and your attitude to risk
    • Multi-manager, multi-fund, multi-asset class approach helps to spread risk and broadens your opportunities
    • Access to leading fund management companies around the world
    • Core investments in index funds, supplemented by selected direct fund investments
    • Dedicated point of contact
    • Periodic updates to provide you with clarity and transparency
    • Annual review of your circumstances and investment objectives
    • 24/7 online portfolio view

    Key risks and information

    • The value of investments and the income from them can go down as well as up and cannot be guaranteed.
    • Changes in rates of exchange may cause the value of an investment to go up or down.
    • On selling, investors may not get back the amount they originally invested.
    • For further details on all the types of investment which may be contained in the Portfolio, and the risks associated with those investments, refer to Appendix A of the Terms and Conditions
    • Minimum investment of £100,000 or currency equivalent.
    • Top-ups and withdrawals from £10,000 minimum or currency equivalent subject to the minimum investment being maintained.
    • All portfolios are available in sterling and US Dollars, with a selection also available in euro.
What will the portfolios typically invest in?
    • The core investments within the portfolios are in index–tracking funds and these are supplemented by a smaller proportion of actively managed funds.
    • Exchange Traded Funds are used to provide some of the index–tracking element. These are a more cost–efficient way of investing and can also be rapidly bought and sold, should the Investment Manager need to make a change to the portfolio.
    • Index tracker funds may not necessarily perform in exactly the same way as the index they're tracking due to the impact of charges and expenses. Selected funds can under-perform their reference markets.
    • The actively managed funds within the portfolios do not track an index. These funds can invest in equities, fixed income, alternatives and cash and the fund managers seek to achieve performance through the active investment decisions they make.
    • Absolute Return funds are also used and these seek to provide a positive return in all market conditions.
    • You should remember that the value of investments and the income from them can go down as well as up and cannot be guaranteed; consequently, on selling, you may not get back the amount you originally invested.
Management approach
  • Across all four portfolios, our experienced Investment Managers will assess the market, balancing risk with potential rewards.

    Management approach

    The aim is to reduce the overall risk whilst broadening your opportunities. We work on the principle that no single fund manager can be the best across all markets so we:

    • Use a multi-fund, multi-manager approach
    • Invest in a wide range of funds and asset classes
    • Invest solely in collective investment schemes
    • Invest in a number of funds offered by highly regarded organisations which may include our own funds and, amongst others, Aberdeen Asset Management, Blackrock and Invesco Funds, chosen for their individual strengths
    • Closely monitor the performance of these funds on a continual basis

    You should know that some funds may not be authorised for promotion or sale in all jurisdictions, and as such their inclusion is not an endorsement by us of their suitability for individual investors.

    Expert investment managers

    • We have selected Aberdeen Asset Management to make the investment selection and decisions within the Lifestyle Portfolios.
    • Investment management expertise is provided to Lloyds Bank International by Aberdeen Asset Managers Limited, which is authorised and regulated by the Financial Conduct Authority in the United Kingdom and is a wholly owned subsidiary of Aberdeen Asset Management PLC. Aberdeen Asset Management is a trading name of Aberdeen Asset Management PLC.
    • Their aim is to make your investment a success by monitoring the right asset classes and carefully selecting the funds for your investment.
  • How to invest

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    Check you're eligible

    Our services are available in many countries but not all and are also subject to other eligibility criteria.

    Answer a few simple questions to find out if you're eligible.

    Check you're eligible (Check you're eligible)

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    Contact Us

    From Europe, call:

    +350 200 50999

    Otherwise, call:

    +44 (0) 01534 845 550

    Mon-Fri 9am-5pm UK time.
    Calls may be monitored/recorded.
    Or contact your Relationship Manager.

Our International services are offered by Lloyds Bank International Limited, Lloyds Bank (Gibraltar) Limited & Lloyds Investment Fund Managers Limited. See company Information. Whilst our services will be available to many customers, there are countries where, due to legal or regulatory restraints, we cannot provide them.

Rules and regulations made under the UK Financial Services and Markets Act 2000 for the protection of depositors and investors, including the Financial Services Compensation Scheme, do not apply to the financial services business of companies within the Lloyds Banking Group carried out from offices outside of the United Kingdom.

Lloyds Bank International Limited. Registered office and principal place of business: P.O. Box 160, 25 New Street, St. Helier, Jersey JE4 8RG. Lloyds Bank International Limited is incorporated in Jersey, No. 4029 and is regulated by the Jersey Financial Services Commission to carry on deposit-taking business under the Banking Business (Jersey) Law 1991 and investment and general insurance mediation business under the Financial Services (Jersey) Law 1998. Lloyds Bank International Limited subscribes to the Jersey Code of Practice for Consumer Lending and has also notified the Jersey Financial Services Commission that it carries on money service business.

The paid up capital and reserves of Lloyds Bank International Limited was £923m as at 31st December 2016.

Lloyds Bank International Limited is a participant in the Jersey Bank Depositors Compensation Scheme. The Scheme offers protection for eligible deposits of up to £50,000. Eligible deposits are deposits held by private individuals and charities. Depositor protection does not extend to corporations, small to medium sized enterprises, partnerships and trusts. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details of the Scheme and banking groups covered are available on the States of Jersey website www.gov.je/dcs or on request.

The Guernsey branch of Lloyds Bank International Limited, principal place of business PO Box 136, Sarnia House, Le Truchot, St Peter Port, Guernsey, GY1 4EN, is licensed by the Guernsey Financial Services Commission to take deposits and to carry on controlled investment business and insurance intermediary business under The Banking Supervision (Bailiwick of Guernsey) Law, 1994, The Protection of Investors (Bailiwick of Guernsey) Law, 1987 (as amended) and The Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law, 2002 (as amended), respectively, and is also registered with the Guernsey Financial Services Commission as a money service provider.

Lloyds Bank International Limited is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for 'qualifying deposits' up to £ 50,000, subject to certain limitations. The maximum total amount of compensation is capped at £ 100,000,000 in any 5 year period. Full details are available on the Scheme’s website: www.dcs.gg or on request from Telephone: +44 (0) 1481 706359 or Post: P.O. Box 53, 1 Smith Street, St Peter Port, GY1 4BD.

The Isle of Man branch of Lloyds Bank International Limited of PO Box 111, Peveril Buildings, Peveril Square, Douglas, Isle of Man IM99 1JJ is licensed by the Isle of Man Financial Services Authority to conduct deposit-taking and investment business and is also registered as an insurance intermediary in respect of general business.

Lloyds Bank International Limited is a participant in the Isle of Man Depositors’ Compensation Scheme as set out in the Depositors’ Compensation Scheme Regulations 2010.

Lloyds Bank (Gibraltar) Limited. Registered office and principal place of business: Royal Ocean Plaza, Ocean Village, Gibraltar, GX11 1AA. Registered in Gibraltar, no 99982. Regulated and authorised by the Gibraltar Financial Services Commission for the conduct of banking, investment and insurance mediation business. Lloyds Bank (Gibraltar) Limited is a participant in the Gibraltar Deposit Guarantee Scheme and a participant in the Gibraltar Investor Compensation Scheme. Details of the schemes are available on request.

Please note that, in relation to banking services which we provide, you might not be eligible for compensation under a deposit protection guarantee scheme available in your country of residence. If in doubt, contact your local banking regulator, visit their website or seek independent advice.

Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited are wholly owned subsidiaries of Lloyds Bank plc. Lloyds Bank plc is incorporated in the United Kingdom, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278, and is part of the Lloyds Banking Group. Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited place funds with Lloyds Bank plc and thus their financial standing is linked to that of the group. Depositors may wish to form their own view on the financial standing of Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited and their parent based upon publicly available information. Download Lloyds Bank International Limited’s latest annual financial statements. Lloyds Bank (Gibraltar) Limited’s latest annual financial statements are available through Companies’ House in Gibraltar at www.companieshouse.gi.

Lloyds Investment Fund Managers Limited. Registered office: PO Box 160, 25 New Street, St Helier, Jersey JE4 8RG. Authorised by the Jersey Financial Services Commission under the Collective Investment Funds (Jersey) Law 1988.

View our our information on how to complain.

Legislation or regulations in your home jurisdiction may prohibit you from entering into such a transaction with us. We reserve the right to make final determination on whether you are eligible for any products or services. Residents or Nationals of certain jurisdictions may be subject to exchange controls and should seek independent advice before entering into any transactions with us.

Please note that, in relation to banking services which we provide, you might not be eligible for compensation under a deposit protection guarantee scheme available in your country of residence. If in doubt, contact your local banking regulator, visit their website or seek independent advice.