Regular Savings Plan

The M&G Savings Plan

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 (10 years or more). Investing regularly can help smooth out the ups and downs of the markets.

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 from as little as £10.

You don’t need to invest a lump sum up front, but you can top up your plan 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.

Is The M&G Savings Plan right for you?

This guide explains more about who The M&G Savings Plan is designed for, but please note this is our view and doesn’t take into account your individual circumstances.

Share classes and charges

Share classes

For private (non-advised) investors there are only two share classes to choose from when you invest in The M&G Savings Plan.

Sterling Class A Shares for investments of up to £499,999
Sterling Class I Shares for investments of £500,000 or more

The M&G Savings Plan offers Accumulation shares only. Accumulation shares don’t pay income. Instead, they automatically reinvest any income accruing to the fund and this is reflected in the share price. Funds with Accumulation shares are shown with Accumulation (or Acc) after their fund name.

Learn more about share classes on our Share classes page.

Charges

We like to keep our charges simple. We don’t apply entry or exit charges to investments in M&G funds Sterling Class shares. However, there is an ongoing charge which will vary per fund. 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.

Please read the Important Information for Investors document for more information on share classes, charges and share types.

Investment limits

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

Funds available

You can invest in most of our funds in the Fund Centre. Please read the Important Information for Investors document for more information on fund availability.

Invest now

For information on making an investment with M&G, please visit our Invest with M&G page.

The value of investments will fluctuate, which will cause prices to fall as well as rise and you may not get back the original amount you invested. We are 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.

Regular savings plan

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