From money market funds for short-term investment to equity funds that seek to help your savings grow over the long term, we are confident we have a fund or blend of funds to meet your needs.
Funds that provide exposure to a broad mix of investments designed for different goals and attitudes to risk.
Funds that invest in shares of companies in the UK, in other regions or around the globe. Equity funds can deliver stronger growth, but can experience large fluctuations in value, so you should be prepared to invest for the long term (at least five years).
Funds that invest in bonds issued by governments or companies. Government bond funds carry a lower risk that the borrower will not repay their loan, but may struggle to keep pace with inflation. Corporate bond funds can provide higher returns but carry more risk.
A fund that invests in short-term financial instruments. Money market funds can provide a high level of capital security, but the value of your savings may not keep pace with inflation.
You should ensure you are comfortable with the level of risk and reward associated with any fund you invest in. The value of all unit-linked funds can go down as well as up and you may not get back the amount you invested.
Return of capital is the priority ahead of potential growth although your capital is not guaranteed. With low risk funds, it is possible that your investment return will be insufficient to meet your financial goals and may not keep pace with inflation. Potential for low levels of price fluctuation. Growth is likely to be modest.
Investments that offer some element of protection from losses alongside the possibility of long-term investment growth or income. The value of your capital could go up or down. With low-to-medium risk funds, it is possible that your investment return will be insufficient to meet your financial goals. Returns may not keep pace with inflation.
Long-term growth and income are balanced against risk to capital. The value of your capital could go up or down.
Long-term growth and income are the priority. The value of your capital could go up or down, potentially by greater amounts than funds in the ‘medium’ risk category.
The greatest potential for capital growth or income. But also the highest risk of capital loss. The value of your capital could go up or down, more frequently and by greater amounts, than lower risk funds.
As well as making an investment choice, you can choose how quickly or gradually you would like your savings to move to your chosen fund or strategy. If you do not want to choose your own timeline, you can leave the decision to us.
These funds invest in bonds issued by corporate borrowers. Returns may be higher than government bonds, for a higher level of risk. Returns may not keep pace with inflation.
A term used to describe spreading your investments across a range of different assets classes, regions or industry sectors, to avoid concentrating your risk and potentially reducing the impact of market movements on the value of your investments.
Equity funds invest in a range of company shares. The price of shares can be volatile and go up or down based on how well the company is currently doing, or what its prospects are.
These funds invest in bonds issued by governments. While interest rates remain low, returns are likely to be low and may not keep pace with inflation.
Money market or cash funds invest in securities with a very short maturity, usually issued by governments, financial institutions or large companies. These are conservative investments in low-risk instruments, with the aim of protecting the value of your investment. Returns will likely be low and may not keep pace with inflation.
These funds can invests across a wide range of equities, bonds and other assets. We seek to provide diversification.
A temporary cash fund in which the unit price is guaranteed not to decrease from the price at the initial investment date, although its value is unlikely to keep pace with inflation.
Unit-linked funds allow you to combine your money with other investors so that you can access a diversified range of investments within a single portfolio. They can provide a cost-effective way of investing in a range of securities and assets, including shares of UK and overseas companies, corporate bonds, government bonds, money market instruments and cash deposits.
It’s important to bear in mind that the value of unit-linked funds can go down as well as up and you may not get back the amount you invested. You should ensure you are comfortable with the level of risk and reward associated with any fund you invest in.
You may also choose to seek professional advice from a financial adviser, authorised by the Financial Conduct Authority, who specialises in investments.
Online at www.unbiased.co.uk or telephone: 0800 023 6868
Please be aware that financial advisers may charge for their services.
You should ensure that any adviser you approach is authorised by the Financial Conduct Authority.
For details about help and guidance with your pension options please go to Pensions advice