With-Profit Fund
Aiming for long-term growth, plus protection for your capital
The With-Profit Fund invests in a mix of assets with the aim to give you long-term growth. There's also a capital guarantee on the tenth anniversary of taking out your investment.
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
Why choose our With-Profit Fund?
The With-Profit Fund is very much for the longer term.
Plus, on the 10th anniversary of your investment, and within two weeks of this period, you can cash in your investment for at least the amount you paid in, less any withdrawals.
About the fund
- Smoothed returns – the fund spreads out profits and losses over the course of the investment, using bonuses.
- Choice – move your money between most of our With-Profit funds, typically without penalty.
- Spreading the risk – you and others join together to invest in a mixture of equities, government and corporate bonds, property and cash.
- Life insurance – a payout for your family if you die.
Getting started
Prepare for your future – call to make an appointment with one of our Financial Planning Managers on 0800 051 1868.
With-Profit 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.
The difference between With-Profit funds and other investment funds is that With-Profit funds aim to smooth the returns you receive from the ups and downs of investment performance. They do this by adding a bonus.
A With-Profit fund is divided into units. Each unit has a value called the unit price. The unit price increases as bonuses are added and may fall if investment conditions have been poor.
Could a With-Profit 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 want to invest into this product on a regular basis |
| You are planning to invest for the longer term (five years or more) | You only want to invest short term (less than five years) |
| You have at least £5,000 to invest | You have more than £1 million to invest |
| You want growth over the long term | You need easy access to your original lump sum |
| You want to invest in UK and overseas equities, government and corporate bonds, property and cash | You don’t want a stock market investment |
| You want to guarantee your original investment over the long term | You want a guaranteed return from the outset |
| You want a steady return over the term | You want a fluctuating fund as part of your range of investments |
Important information
Provided by CGNU Life Assurance Limited. Portfolio allows you to invest in a range of funds and 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.
Talk to an expert
Our fully qualified Financial Planning Managers are here to help.
Call us on
0800 051 1868
Minicom
0800 917 0526
Lines are open: Mon to Thurs 8am-8pm, Fri 8am-6pm,
Sat 9am-5pm (excl. public holidays).
Calls may be recorded