Processes for preparing neutral liposomes include adding a hydrophobic solution of liposome lipid bilayer precursors and a nucleic acid condenser to an aqueous composition of a nucleic acid condenser and a biologically active ingredient and then, isolating the liposomes. The liposomes are formed from noncationic lipids and encapsulate the biologically active ingredient as a core composition and entrap some of the biologically active ingredient on the exterior surface of the liposome. The liposomes have the nucleic acid condensers and/or cell penetrating peptides attached to the exterior surface of the lipid bilayer. One or more divalent cations are present in the solution with the liposome and remain in solution once the liposomes form.