A method of preparing cationic liposome/nucleic acid complexes comprising combining a first solution of preformed cationic liposomes with a second solution of nucleic acids, wherein each of said first and second solutions have been pre-equilibrated to temperatures of from 0.degree. C. to 12.degree. C., said preformed cationic liposomes being unilamellar, having a mean diameter of from 100 to 150 nm, and consisting essentially of unsaturated cationic lipids and neutral lipids selected from the group consisting of DOPE, cholesterol and combinations thereof.