Great choice and flexibility
We’ve taken great care to provide an extensive range of investment options for you to choose from. This includes:
Our portfolio funds
If your investment is between £15,000 and £75,000 you can select funds from our Portfolio funds (layer one). It’s a dynamic range of funds giving you an exciting choice.
A key highlight of our Portfolio funds is the Protected fund range. This is a range of six protected fund portfolios, covering several different equity markets including:
- North America
- Europe
- Japan
- Asia
- UK
- global emerging markets.
Ongoing protection
One of the main features of our Protected Fund Range is that it provides an ongoing defined level of protection.
The units in our Protected Fund Range are bought and sold at the current unit price, but the funds also have a protected unit price. This is 80% of the highest ever price during the fund's lifetime*. The same protected unit price applies to all investors and is published every day as a net price after costs.
*Please note that for products with a bid and offer spread, the 80% protection applies to the bid value. The protected price isn’t guaranteed and is subject to policy conditions.
Our Preferential range
If your investment or bond value is more than £75,000, you can also choose funds from our preferential range. Key highlights are:
- Over 1,300 collective investments
- Managed by leading fund management groups
- All have no initial charge
Our Universal range
You can also hold a vast selection of other collective investments, covering all the world's markets and special investments, many of which you wouldn’t normally be able to invest in. And we’ll often be able to buy them at a reduced cost.
If you select funds from the Preferential or Universal range, we'll set up a cash account. This account is to cover the charges, withdrawals, the collection of income and the settlement of deals for the external assets without having to liquidate other assets. We recommend that you hold 5% of your investment in the cash account to cover these charges. If you invest 100% in our Portfolio funds, no cash account is needed. Here are the interest rates that will apply to the cash account, if needed:
| British pounds | Euros | US dollars | |
|---|---|---|---|
| Credit balance | 0.00% | 0.00% | 0.00% |
| Debit balance | 3.5% | 4.75% | 3.25% |
Please note that the interest rates are linked to the bank rates and may change.
The value of an investment and any income from it can fall as well as rise and is not guaranteed. You may get back less than the amount originally invested.
With such an extensive fund range it's easy to find a fund or build a portfolio that suits your own attitude to risk and investment objective. And as we've been able to negotiate preferential terms, you can also build a cost-effective portfolio. Speak to your financial adviser about selecting funds or building a portfolio to meet your investment needs.
Our website is also regularly updated with information on our funds. In our fund section you can find out about the funds available, the cost of them and how they've performed.