Guaranteed Fund

Aiming for long-term growth, plus protection for your capital

The Guaranteed Fund invests in a mix of assets with the aim to give you longer-term growth. There's also a money back guarantee on the fifth anniversary of taking out your investment.

Why choose the Guaranteed Fund?

Peace of mind – The Guaranteed Fund offers growth potential coupled with a money back guarantee on the fifth anniversary.

Spreading the risk – you and others join together to invest in a mixture of equities, gilts, corporate bonds, property and cash.

Life insurance – a payout for your family if you die.

About the fund

The Guaranteed Fund aims to give you greater growth potential than you would expect from investing in a typical savings account by investing your money into a number of different assets.

This product guarantees that if your Guaranteed Fund investment has not grown at the end of five years you will get your initial investment back, less any withdrawals.

You may received back less than your initial investment on encashment before the fifth anniversary.

Getting started

Prepare for your future – call Financial Planning Direct on 0800 051 1868.

The Guaranteed Fund is a lump sum investment that allows you to invest for the medium term and aims to provide you with growth of your original investment

Guaranteed Fund brings together the money of many investors into one fund. It invests in a mixture of equities (stocks and shares), government and corporate bonds, property and cash.

At the 5th year you will receive the greater of the fund value or 100% of your original investment (less any withdrawals made). Encashment before the 5th anniversary may mean you receive less than your original capital.

After five years, your investment continues but you will need to move out of the Guaranteed Fund. A range of funds are available for you to switch into including another Guaranteed Fund (if available) or you can cash in your investment.

There is a minimum investment amount of £5,000 and a minimum age of 18 to apply

For more information download the Guaranteed Fund Product Guide and Key Features (PDF, 100KB)

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Could a Guaranteed Fund add something to your investment portfolio? This table could help you decide:


May be suitable if:Not suitable if:
  • You are looking to make a lump sum investment

  • You are happy to keep your money invested for at least five years

  • You want to make sure your original capital is secure

  • You have at least £5,000 to invest

  • You want to benefit from potential growth of investing potential higher returns in UK and overseas equities, gilts, corporate bonds, property and cash without the risks

  • You want to invest into this product on a regular basis

  • You only want to invest short term (less than five years)

  • You need an income

  • You want to invest directly into the stockmarket

  • You are willing to take higher risks to benefit from higher returns

  • You are under 18 or over 79

Important information

The Guaranteed Fund is available through Portfolio, CGNU’s lump sum investment bond. CGNU Life Assurance Limited is a member of the Aviva Group. You should be aware that the value of your investments can go down as well as up and you may not get back the original amount of your investment. Exit charges apply in the first five years.


Ready to Apply?

Call Financial Planning Direct on 0800 051 1868 and we will make all the arrangements for you.


Call us

Call us on
0800 051 1868

Minicom
0800 400 6161

Lines are open: Mon to Thurs 8am-8pm, Fri 8am-6pm,
Sat 9am-5pm (excl. public holidays).
Calls may be recorded