Before investing please ensure you read the Important Information for Investors document and the relevant Key Investor Information Document (KIID(s)), Prospectus and Costs and charges illustration for the funds you would like to invest in.
The M&G ISA
While higher interest rates might make saving look attractive right now, over the long term (10 years or more), stocks and shares investments have nearly always delivered higher returns.
For nearly 100 years we’ve used our size, scale and financial strength to actively manage our customers’ investments through the ups and downs of markets. So why wait to make the most of this year's ISA allowance with M&G?
Markets are resilient: It’s all about the long term
Making the most of your ISA allowance each year means you get to keep more of what your investments earn, if or when markets rise over the long term (10 years or more). Successful investing isn’t about finding the right time to top up or make that first investment of the tax year. It’s about being in it for the long run. Every day you put off using your full ISA allowance is a day you could be missing out on the opportunity for future returns.
For illustrative purposes only. This isn’t a real life example or a recommendation.
Past performance is not a guide to future performance. Please remember that the value of your investments can go down as well as up, so you might not get back the amount you put in. Tax rules can change and the impact of taxation (and any tax relief) depends on your circumstances.
- The M&G ISA & Junior ISA
- Our funds
- Transfer an ISA
- Charges
- Financial advice
- Guides to investing
- How to invest
With an ISA there’s no personal liability to tax on interest payments, dividend payments, or capital gains to pay, and you don’t need to declare your ISAs on your tax return. So depending on your personal situation, ISAs could save you a great deal of time and money in the long run.
The M&G ISA
Within The M&G ISA you can hold a dynamic mix of equities (shares in a company), bonds (a loan in the form of a security, usually issued by a government or company, also known as fixed income) and even multi-asset funds to suit your individual needs.
You will also benefit from our size, scale and nearly 100 years of experience in the investment industry. Our expertise in research, market analysis and decision-making helps us to invest your money responsibly.
You can invest up to £20,000 in an ISA with either a lump sum or with regular contributions.
The M&G Junior ISA
Junior ISAs offer a tax-efficient way to save for a child's future. Right now, you can invest up to £9,000. Find out more about The M&G Junior ISA.
Please note, The M&G ISA and The M&G Junior ISA are stocks and shares ISAs only.
The tax rules for ISAs and Junior ISAs may change in the future, and their tax advantages depend on your individual circumstances.
Whichever fund(s) you choose for your ISA and however you’d like to invest, there’s no substitute for experience. When you invest with M&G, you benefit from our size, scale and nearly 100 years of expertise in the investment industry.
We have a range of over 45 funds to help you achieve your goals across different asset classes including equities, bonds and multi-asset.
Equities are shares of ownership of a company. As a part-owner, the value of your investment will rise or fall with the company’s successes or failures. Our equity funds are what we call building block funds. We recommend you invest in these funds as part of a wider investment portfolio.
- M&G Asian Fund
- M&G Better Health Solutions Fund
- M&G Climate Solutions Fund
- M&G Dividend Fund
- M&G European Sustain Paris Aligned Fund
- M&G Global AI Themes Fund
- M&G Global Convertibles Fund
- M&G Global Dividend Fund
- M&G Global Emerging Markets Fund
- M&G Global Listed Infrastructure Fund
- M&G Global Strategic Value Fund
- M&G Global Sustain Paris Aligned Fund
- M&G Global Themes Fund
- M&G Japan Fund
- M&G Japan Smaller Companies Fund
- M&G North American Dividend Fund
- M&G North American Value Fund
- M&G Positive Impact Fund
- M&G Recovery Fund
- M&G Smaller Companies Fund
- M&G UK Income Distribution Fund
- M&G UK Sustain Paris Aligned Fund
Investing in bonds, also known as fixed-income investments, is similar to giving a fixed-term loan to a company (or a government). You receive income from interest on the loan for an agreed length of time. Our fixed income funds are what we call building block funds. We recommend you invest in these funds as part of a wider investment portfolio.
- M&G Corporate Bond Fund
- M&G Emerging Markets Bond Fund
- M&G Gilt & Fixed Interest Income Fund
- M&G Global Corporate Bond Fund
- M&G Global Floating Rate High Yield Fund
- M&G Global Government Bond
- M&G Global High Yield Bond Fund
- M&G Global Macro Bond Fund
- M&G Index-Linked Bond Fund
- M&G Optimal Income Fund
- M&G Short Dated Corporate Bond Fund
- M&G Strategic Corporate Bond Fund
- M&G Sustainable Global Corporate Bond Fund
- M&G Sustainable Global High Yield Bond Fund
- M&G UK Inflation Linked Corporate Bond Fund
Multi-asset funds typically hold a blend of different asset classes, such as bonds, equities and even some cash. Our multi-asset funds are stand-alone funds, which can be held individually and not necessarily as part of a wider investment portfolio.
The M&G Index Tracker Fund is designed to track the performance of the FTSE All-Share Index*, which represents a broad spread of UK company shares. The fund holds nearly all of the companies in the index and matches closely the weight that each stock represents in the index. Our fixed income funds are what we call building block funds. We recommend you invest in these funds as part of a wider investment portfolio.
Also known as M&G Planet+ Funds, impact investing strategies aim to invest in solutions to the world’s most pressing social and environmental challenges, and sustainable investing strategies seek to mitigate negative impacts on the environment and society. Our impact funds are all building block funds and our sustainable funds are a mixture of stand alone and building block funds.
- M&G Better Health Solutions Fund
- M&G Climate Solutions Fund
- M&G European Sustain Paris Aligned Fund
- M&G Global Listed Infrastructure Fund
- M&G Global Sustain Paris Aligned Fund
- M&G Positive Impact Fund
- M&G Sustainable Global Corporate Bond Fund
- M&G Sustainable Global High Yield Bond Fund
- M&G Sustainable Multi Asset Fund
- M&G Sustainable Multi Asset Balanced Fund
- M&G Sustainable Multi Asset Cautious Fund
- M&G Sustainable Multi Asset Growth Fund
- M&G UK Sustain Paris Aligned Fund
Choosing the right mix of asset classes
Find out more about the different asset classes available to you.
* Source: London Stock Exchange Group plc and its group undertakings (collectively, the ‘LSE Group’). © LSE Group 2024. FTSE Russell is a trading name of certain of the LSE Group companies. eg, ‘FTSE®’ ‘Russell®’, ‘FTSE Russell®’, ‘MTS®’, ‘FTSE4Good®’, ‘ICB®’, ‘Mergent®, The Yield Book®,’ are a trade mark(s) of the relevant LSE Group companies and are used by any other LSE Group company under license. ‘TMX®’ is a trade mark of TSX, Inc. and used by the LSE Group under license. All rights in the FTSE Russell indexes or data vest in the relevant LSE Group company which owns the index or the data. Neither LSE Group nor its licensors accept any liability for any errors or omissions in the indexes or data and no party may rely on any indexes or data contained in this communication. No further distribution of data from the LSE Group is permitted without the relevant LSE Group company’s express written consent. The LSE Group does not promote, sponsor or endorse the content of this communication.
Thinking of transferring an ISA?
Having ISAs spread across different providers could make it difficult keeping tabs on what is going on with each of them. Bringing your ISA investments into fewer or even into one place could reduce the cost, paperwork and make it more convenient and easier to manage.
If you have an ISA from previous tax years with other providers, it’s easy to transfer them to M&G. They’ll keep all their tax benefits and we won’t charge you a penny to transfer. But, it’s always best to check with your current provider first because they may apply a charge at their end when you transfer your investment elsewhere.
Transferring your ISA to M&G won’t affect its tax status or impact your ISA allowance for the tax year. But, you should speak to a financial adviser if you are unsure whether an investment is right for your individual needs. Please remember that while your investment is being transferred it will be out of the market and will not lose or gain in value.
- To transfer an ISA to M&G please download and complete the M&G ISA Transfer Application Form.
- To transfer a Junior ISA to M&G, please download and complete the M&G Junior ISA Transfer Application Form.
- To transfer a Child Trust Fund or a matured Child Trust Fund to M&G, please download and complete either the CTF transfer application form or the Matured CTF to ISA transfer application form.
Please send your completed form to us at:
M&G Securities Limited
PO Box 9039
Chelmsford
CM99 2XG
Before investing please ensure you read the Important Information for Investors document and the relevant Key Investor Information Document (KIID(s)), Prospectus and Costs and charges illustration for the funds you would like to invest in.
Find out more about transferring an ISA or Junior ISA to M&G.
Our charges vary between the funds that you can invest in, and then by the class of share they might hold.
For each fund, you will pay an ongoing charge (which consists of an annual charge and extraordinary expenses) plus a share of portfolio transaction costs (the costs incurred when funds buy and sell investments). Please see below for an explanation of both costs.
There are no extra charges or hidden costs, for example there are no entry or exit charges on your investment.
Take a look at our table of annual charges.
To see what you might pay for the funds you are interested in, click on our charges calculator below.
The value of advice
There’s lots of choice out there and making decisions about investing can sometimes be overwhelming, particularly in the current climate, so it could help to speak to an investment professional.
If you’re ill, you go to the doctors, if you’re moving house, you speak to a solicitor. We use experts for a whole range of important decisions that impact our lives, so why should our investments be any different? Your investments need to be the right fit for your personal circumstances and long-term aims.
There's lots of research to show that advice works and, adds real value to people’s financial circumstances in the long run.
If you don’t already have a financial adviser, you can visit a financial adviser search website such as www.unbiased.co.uk or www.vouchedfor.co.uk
MoneyHelper provides details on how to obtain financial advice on its website. They have also launched a free online tool ‘Money Navigator’ which is designed to help people navigate their finances, such as in the wake of the cost of living crisis, and to avoid financial issues worsening in future.
For more information and useful contacts see our Get financial advice page.
At M&G, understanding is at the heart of what we do. We have a range of helpful guides that explain investing more generally and the different asset classes available. They aim to help you broaden your investment knowledge and gain a deeper understanding of your investment choices.
Invest by phone
Call our Investment Helpline on 0800 389 8600 from 08:00 to 18:00 Monday to Friday and from 09:00 to 13:00 on Saturday. All calls are free within the UK. For your security and to improve the quality of our service we may record and monitor telephone calls.
Remember to have your M&G Client Reference to hand if you’re already an M&G customer, and your National Insurance number for new ISA investments. You’ll also need your debit card. We accept Maestro, MasterCard Debit, Visa Debit & Visa Delta debit cards.
Invest by post
If topping up your ISA please download the M&G ISA Direct Debit/Additional Contribution Form. You will need to complete a new M&G ISA application form if one full tax year has elapsed since your last M&G ISA subscription.
If you would like to invest in a Junior ISA please download the M&G Junior ISA Application Form. If you’re topping up a Junior ISA please download the M&G Junior ISA Direct Debit/Additional Contribution Form.
Send your completed form to us at:
M&G Securities Limited
PO Box 9039
Chelmsford
CM99 2XG
Invest online
At M&G, we understand that investors may want to manage their accounts in different ways.
Find out more about how you can manage your investment online.
Further information
Switching
Switching between our products and funds is easy and can be far cheaper than starting a new investment.