The value of the 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.
Whatever your situation in life, it’s never too early to start planning for the future. A regular savings plan can help you maximise potential investment growth in the long term. Investing regularly can help smooth out the ups and downs of the markets.
The M&G Savings Plan
The M&G Savings Plan is designed to help you make regular investments in an M&G OEIC in an account outside The M&G ISA. It gives you the freedom to invest as little as £10 per month.
You don’t need to invest a lump sum up front, but you can top your plan up with a one-off investment and make withdrawals whenever you like.
The M&G Savings Plan could suit you if you:
- Have already used your Individual Savings Account (ISA) allowance for the current tax year
- Want to start investing on behalf of a child outside a Junior ISA
- Want to hold a joint investment*
*An ISA cannot be held in joint names.
We don’t give financial advice, so you should speak to a financial adviser if you need help deciding if an investment is right for you. The views expressed in this website should not be taken as a recommendation, advice or forecast.
Funds available
You can invest in any of the following funds in The M&G Savings Plan. Click on the fund names to find out more about each fund.
The value and income from the 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.
Share classes and charges
Share classes
Only Sterling Class A Accumulation Shares are available if you invest through The M&G Savings Plan.
Sterling Class A Shares (‘A Shares’) carry no entry charge and no exit charge. Please note that an ongoing charge will apply. The ongoing charge is made up of the Annual Charge which may be discounted depending on the size of the fund, and extraordinary expenses. For property funds, the ongoing charge does not take into account the property operating expenses, also known as PER. For information on all our charges, please refer to our Fund Charges page.
Accumulation shares don’t pay income. Instead, they automatically reinvest any income accruing to the fund and this is reflected in the share price. If a fund only offers Income shares, any net income can be reinvested to buy more shares.
Learn more about share classes by downloading our Important Information for Investors document.
The value and income from the 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.
Investment limits
The table below shows the minimum investment limits within The M&G Savings Plan. There is no upper limit to the amount you can invest.
| Investment minimums (per fund) | |
|---|---|
| By regular Direct Debit | By lump sum investment |
| Initial amount of £10 | Initial amount of £500 |
| Top-up amount of £10 | Top-up amount of £100 |
Invest now
Before investing, please make sure you have read the Key Investor Information Documents (KIIDs) for the fund(s) in which you wish to invest. There you will find more information about your investment, including details about the fund’s different share classes: be sure to choose the appropriate one for you. The KIID also explains fund charges, including the ongoing charge, a deduction from your fund which M&G makes to cover the costs of investment management and administration.
You should also read the Important Information for Investors document, which includes M&G’s Terms and Conditions.
The value and income from the 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.
We don’t give financial advice, so you should speak to a financial adviser if you need help deciding if an investment is right for you. The views expressed in this website should not be taken as a recommendation, advice or forecast.
Once you’ve chosen the fund(s) in which you’d like to invest and have read the relevant KIID(s) and the Important Information for Investors document, you can:
- Invest by phone
- Invest by post
- Contact the Investment Helpline to request application forms or download application forms
