Did you know?

You can also invest up to £20,000 per year through a Stocks and Shares ISA.

Did you know?

You can also invest up to £20,000 per year through a Stocks and Shares ISA.

Our new investment service is launching soon. Find out more and how to register for info.

Already got a Unit Trust with us?

If you want to top up your account call us on 03456 10 20 30. We're here from 8am to 9pm Monday to Friday, 9am to 6pm Saturday. Sorry, we're not open on bank holidays.

 Call charges and information

NumberCost
03 numbersSame as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way.
084 numbersMaximum of 7p per minute, plus your phone company's access charge.
087 numbersMaximum of 13p per minute, plus your phone company's access charge.
0800 numbersFree from UK landlines and personal mobile phones.

Calls may be recorded for training and quality purposes.

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.

Your fund choices

No need to spend time managing individual investments - our funds do it for you.

Risk and reward potential

Pie to show Bond and Gilt fund, 50% bond and 50% gilt.
On the financial markets, rates of return are typically linked to risk. Over the longer term, investors who are prepared to accept greater risk can typically look forward to higher returns. The risk indicator shows the Fund’s risk and reward profile. Risk level 1 signals a low risk of losing money but typically offers limited potential rewards. At risk level 7, the risk of losing money is much higher, but the potential rewards are typically much greater. Note that even investments in the lowest risk category are not entirely free of risk. The risk indicator is based on the rate at which the value of the Fund has moved up and down in the past. Note that past figures may not be a reliable indication for the future. The risk category shown is not a target or guarantee and may move over time.

Bond and Gilt Fund

Puts your money in bonds issued by the UK Government and highly rated companies.

Find out more about the Bond and Gilt Fund
Gilts
Corporate bonds

Risk and reward potential

Pie to show split of Bond, Gilt UK Share Fund 41% in Government bonds, 9% in corporate bonds and 50% in UK shares.
On the financial markets, rates of return are typically linked to risk. Over the longer term, investors who are prepared to accept greater risk can typically look forward to higher returns. The risk indicator shows the Fund’s risk and reward profile. Risk level 1 signals a low risk of losing money but typically offers limited potential rewards. At risk level 7, the risk of losing money is much higher, but the potential rewards are typically much greater. Note that even investments in the lowest risk category are not entirely free of risk. The risk indicator is based on the rate at which the value of the Fund has moved up and down in the past. Note that past figures may not be a reliable indication for the future. The risk category shown is not a target or guarantee and may move over time.

Growth Fund 1

Spreads your money across shares and bonds, investing globally, adopting a cautious approach (in terms of risk) to growing your money.

Find out more about Growth Fund 1
Cash
Corporate bonds
Government bonds
Higher yielding bonds
Global shares
Global property shares

Risk and reward potential

Fund pie chart to show Bond, Gilt UK and Overseas Share Fund. 16% in Government bonds, 9% in corporate bonds, 25% in overseas shares, 50% in UK shares.
On the financial markets, rates of return are typically linked to risk. Over the longer term, investors who are prepared to accept greater risk can typically look forward to higher returns. The risk indicator shows the Fund’s risk and reward profile. Risk level 1 signals a low risk of losing money but typically offers limited potential rewards. At risk level 7, the risk of losing money is much higher, but the potential rewards are typically much greater. Note that even investments in the lowest risk category are not entirely free of risk. The risk indicator is based on the rate at which the value of the Fund has moved up and down in the past. Note that past figures may not be a reliable indication for the future. The risk category shown is not a target or guarantee and may move over time.

Growth Fund 2

Spreads your money across shares and bonds, investing globally, adopting a balanced approach (in terms of risk) to growing your money.

Find out more about Growth Fund 2
Cash
Corporate bonds
Government bonds
Higher yielding bonds
Global shares
Global property shares

Risk and reward potential

Fund pie to show FTSE All-Share Fund. 100% UK Shares.
On the financial markets, rates of return are typically linked to risk. Over the longer term, investors who are prepared to accept greater risk can typically look forward to higher returns. The risk indicator shows the Fund’s risk and reward profile. Risk level 1 signals a low risk of losing money but typically offers limited potential rewards. At risk level 7, the risk of losing money is much higher, but the potential rewards are typically much greater. Note that even investments in the lowest risk category are not entirely free of risk. The risk indicator is based on the rate at which the value of the Fund has moved up and down in the past. Note that past figures may not be a reliable indication for the future. The risk category shown is not a target or guarantee and may move over time.

UK FTSE All-Share Fund

Invests in 500+ companies on the FTSE All-Share Index.

Find out more
UK shares

Risk and reward potential

Fund pie to show Global Share Fund. 25 percent in emerging market shares, 25 percent in UK shares, 50 percent in overseas shares.
On the financial markets, rates of return are typically linked to risk. Over the longer term, investors who are prepared to accept greater risk can typically look forward to higher returns. The risk indicator shows the Fund’s risk and reward profile. Risk level 1 signals a low risk of losing money but typically offers limited potential rewards. At risk level 7, the risk of losing money is much higher, but the potential rewards are typically much greater. Note that even investments in the lowest risk category are not entirely free of risk. The risk indicator is based on the rate at which the value of the Fund has moved up and down in the past. Note that past figures may not be a reliable indication for the future. The risk category shown is not a target or guarantee and may move over time.

Global Share Fund

Invests in shares across different countries and regions, giving you real geographic diversity.

Find out more about the Global Share Fund
UK shares
Overseas shares
Emerging market shares

Risk and reward potential

Fund pie to show Climate Change Fund. 55% North America, 25% Europe (exe UK), 10% UK, 10% Asia (inc Japan)
On the financial markets, rates of return are typically linked to risk. Over the longer term, investors who are prepared to accept greater risk can typically look forward to higher returns. The risk indicator shows the Fund’s risk and reward profile. Risk level 1 signals a low risk of losing money but typically offers limited potential rewards. At risk level 7, the risk of losing money is much higher, but the potential rewards are typically much greater. Note that even investments in the lowest risk category are not entirely free of risk. The risk indicator is based on the rate at which the value of the Fund has moved up and down in the past. Note that past figures may not be a reliable indication for the future. The risk category shown is not a target or guarantee and may move over time.

Climate Change Fund

Invests in companies from around the world that are providing solutions for climate change and adopt best environmental practice

Find out more about the Climate Change Fund
North America
Europe (excluding UK)
UK
Asia (inc Japan)