Investments for what matters the most
M&G Charity Funds are actively managed, which means our fund managers are always reviewing how your money’s invested, looking for opportunities with the potential to offer the best possible returns for your money.
Here’s Richard Macey, M&G Charities Sales Director with a brief overview of our charity funds and what they have to offer.
Further explanations of some of the terms used on this page can be found in our glossary
- M&G Charifund
- M&G Charity Multi Asset Fund
- M&G Charibond
Designed to deliver a high and growing income to charities
M&G Equities Investment Fund for Charities, more commonly known as ‘Charifund’ is the original charity fund from M&G Investments. The Fund launched in March 1960, looking to provide charity investors with;
- an annual yield above that available from the FTSE All-Share Index
- an income stream that increases every year
- and a level of capital growth, net of the Ongoing Charge Figure, that is higher than inflation over any ten-year period, as measured by the UK Retail Prices Index
At least 70% of the fund is invested in the shares of UK companies, with a focus on high-yielding stocks where these companies have the potential to grow their dividends over the long term.
In the fund you’ll find more defensive, dividend-paying stocks to help it preserve the real value (inflation-adjusted) of the investment over the long term.
More information about Charifund including its aims, objectives and recent past performance can be found on the latest factsheets for income units (where distributions - also called dividends - are paid out as cash on the payment date) and accumulation units (where distributions are automatically reinvested).
However, please remember that there’s no guarantee that the fund will achieve its objective over this, or any other, period and investors may not get back the original amount they invested.
Risks to consider
The fund can be exposed to different currencies. Movements in currency exchange rates may adversely affect the value of your investment. Further risk factors that apply to the fund can be found in the fund's Prospectus.
Aiming to provide more stable, long-term returns for investors
M&G Charity Multi Asset Fund is a globally diversified portfolio, investing in a range of different assets to help ‘smooth’ its returns over time.
The fund invests in other funds, typically managed by M&G Investments, to gain exposure to a range of assets including equities, (company shares), bonds (loans in the form of a security, usually issued by a government or company), property and cash. It follows a flexible investment approach, aiming to adapt and respond to changing economic conditions and asset values over time.
The fund’s approach combines expert research with in-depth analysis of investors’ emotional reaction to events to identify promising investment opportunities wherever in the world they’re found.
However, please remember that there’s no guarantee that the fund will achieve its objective and investors may not get back the original amount they invested.
More information about the M&G Charity Multi Asset Fund including its aims, objectives and recent past performance can be found on the latest factsheets for income units (where distributions - also called dividends - are paid out as cash on the payment date) and accumulation units (where distributions are automatically reinvested).
Risks to consider
The fund invests in other funds, which are subject to the risks associated with the type of assets held in those funds. Investments in bonds are affected by interest rates, inflation and credit ratings. It is possible that bond issuers will not pay interest or return the capital. All these events can reduce the value of bonds held by the fund.
The fund can be exposed to different currencies. Movements in currency exchange rates may adversely affect the value of your investment.
In exceptional circumstances where assets cannot be fairly valued or have to be sold at a large discount to raise cash, we may temporarily suspend the fund in the best interest of all investors. Further risk factors that apply to the fund can be found in the fund's Prospectus.
Built to offer a reliable income from fixed income investments
M&G Charibond Charities Fixed Interest Fund, or ‘Charibond’, looks to provide a competitive and consistent quarterly income to charity investors (although this may vary over time). At least 70% of the fund is invested in high-quality sterling-denominated bonds issued by governments or companies (corporate bonds), with the aim of enhancing its income generation and longer-term returns.
Charibond’s investment approach is focused on our assessment of the outlook for economic growth, interest rates and inflation, which helps us identify bonds which are undervalued. The fund manager then looks to adjust the portfolio’s interest rate and credit exposure based on their view of the future economic situation.
However, please remember that there’s no guarantee that the fund will achieve its objective and investors may not get back the original amount they invested.
More information about Charibond including its aims, objectives and recent past performance can be found on the latest factsheets for income units (where distributions - also called dividends - are paid out as cash on the payment date) and accumulation units (where distributions are automatically reinvested).
Risks to consider
Investments in bonds are affected by interest rates, inflation and credit ratings. It is possible that bond issuers will not pay interest or return the capital. All of these events can reduce the value of bonds held by the fund.
The fund can be exposed to different currencies. Movements in currency exchange rates may adversely affect the value of your investment.
In exceptional circumstances where assets cannot be fairly valued or have to be sold at a large discount to raise cash, we may temporarily suspend the fund in the best interest of all investors. Further risk factors that apply to the fund can be found in the fund's Prospectus.
Past performance is not a guide to future performance.
M&G Investments is unable to give financial advice. If you are unsure about the suitability of your investment, speak to your financial adviser. The views expressed here should not be taken as a recommendation, advice or forecast.
The value of any fund's assets will go down as well as up. This will cause the value of your investment to fall as well as rise and you may get back less than you originally invested.