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Holly Mackay
Holly MackayFounder and CEO

Q2 2026 Ready-Made Portfolio Returns: Which Portfolios Performed Best?

Compare performance data across high, medium and low risk solutions

Written by Boring Money

14 July, 2026

How did ready-made solutions perform in Q2 2026?

The war in Iran has continued to unsettle global financial markets in Q2 2026, with inflation pressuring central banks to lift interest rates. Despite this, the stock markets remained resilient, buoyed by AI infrastructure spending. Ready-made solutions performed well, averaging 8.95%, putting the average fund up 16.9% over one year. Greater equity exposure was protective over the quarter, as higher risk funds delivered an average of 13.9%. Meanwhile, low risk portfolios were weighed down by bonds, managing only 4.7% on average.

What were the average returns by risk category?

High risk ready-made portfolios averaged 13.3% in Q2 2026 (25.2% over 1 year), compared to 8.9% for medium risk and just 4.7% for low risk portfolios.

Over longer periods, the gap widens further. High risk portfolios have returned 54.9% over 3 years and 59.2% over 5 years, against 38.0%/34.4% for medium risk and 21.9%/13.4% for low risk.

The table below illustrates the average performance of ready-made solutions from the three risk categories - high, medium and low:

Risk Level

Q2 2026 AVERAGE NET GROWTH

1 YEAR AVERAGE NET GROWTH

3 YEAR AVERAGE NET GROWTH

5 YEAR AVERAGE NET GROWTH

High Risk

13.3%

25.2%

54.9%

59.2%

Medium Risk

8.9%

17.0%

38.0%

34.4%

Low Risk

4.7%

8.6%

21.9%

13.4%


Our Q2 2026 analysis covers every major provider, breaks down performance across multiple timeframes, and explains what's actually been driving the differences, so you can make sense of where your money is, or where it could be.

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