Fund range

These funds generally invest in a range of assets, countries and market sectors, diversifying your investment across many different asset classes in order to minimise risk.

With-Profits funds are a type of ‘pooled investment’ fund. Investors pay into the fund, and their money gets pooled together with the premiums of other investors. The investments are smoothed over time and the resulting profits are shared among the policyholders by way of a dividend.

Cash funds invest in cash deposits, for example, in a bank account, with a specified level of interest.

A bond is essentially a loan. Many governments and companies borrow money from investors to raise funds and they do so by issuing securities known as bonds. In return for lending it money, the borrower promises to pay a pre-determined rate of interest in addition to paying back the original loan amount when the bond matures.

Equity funds are shares issued by a public limited company and traded on the stock market. When you invest in a fund, we buy shares in a company on your behalf.

Investing in commercial property can give two types of return: capital growth on the value of a property, and rental income.

Alternatives is an investment that is not one of the four traditional asset classes (Cash, Bonds, Property and equity-funds). It can include precious metals such as gold and copper, as well as investments in water infrastructure and agriculture.

If you're looking for a particular fund and can't find it, it could be on our closed to new business list.