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VIRGIN BOND AND GILT FUND
Our lowest risk fund which puts your money in bonds issued by the UK Government and highly rated companies.
At a glance
Our lowest risk investment.
Potential for better growth than cash savings but with a higher risk to your investment.
You can access your money whenever you need to, but you should be ready to invest for at least five years.
Less likely to go through dramatic ups and downs.
Interest can be re-invested or withdrawn every six months - useful if you need an income from your savings.
Close risk vs reward window
The risk/reward indicator is a measure of how much a Fund's value has moved up and down in the past, this is a standardised rating that you can also find in the Key Investor Information Documents for each fund. It can help you balance stability with your appetite for investment growth.
For example, risk level 1 signals a low risk of your fund losing money, but also a low potential for growth. The higher the risk rating the more potential there is to grow your investment, but there is also a greater chance of a reduction in value – particularly over the short term.
The risk category shown is not a target or guarantee and may move over time.
Typical Fund Mix
50% in UK Government bonds (gilts).
50% in corporate bonds.
Where your money's invested
This is our lowest risk investment option. The fund invests exclusively in bonds which are lower risk than shares, and it also spreads your investment across a wide range of bonds from leading companies and the UK Government.
UK Government bonds (Gilts) are a particular type of bond, but instead of loaning your money to a company, you're loaning it to the UK Government. This makes them one of the more secure forms of investment although their value can still be affected by changes in interest rates and inflation.
Before choosing a fund to invest in its important to understand how the fund has performed over the years. The table below shows year-on-year performance for the past 5 years.
Remember , past performance is not a reliable guide to the future. The value of your investment can go down as well as up, and you may get back less than you invest. This is a medium to long term investment so you should be prepared to invest your money for at least 5 years.
March 2013 to
March 2014 to
March 2015 to
March 2016 to
March 2017 to
Source: Lipper, year on year, 31.03.13 to 31.03.18, bid to bid with net income reinvested.
As a performance example, if you had invested £10,000 in the Virgin Bond and Gilt Fund on 31 March 2008, it would be worth £14,836 after charges on 31 March 2018.
Close risk vs reward help A passively managed fund aims to track the performance of a pre-determined group of assets or an index, much of the trading is done automatically or following a set of trading rules. It is the opposite of an 'actively managed' fund which is controlled by a fund manager with more discretion over investment decisions. As you do not have to pay for a fund manager to try and predict which shares will rise most in value, they are normally lower in cost than actively managed funds.
Up to £50,000
Remember, the value of your investments can go down as well as up and you may get back less than you invest.
This is a medium to long-term investment so you should be prepared to invest your money for at least five years.
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