Risk Managed Active Funds

A choice of five risk-managed multi-asset collective funds each with its own risk profile, investing at least 70% in active collective investments. M&G Investment Management Ltd, part of M&G plc, are the investment managers for the Risk Managed Active funds. They make the relevant adjustments to the portfolio based on M&G Treasury and Investment Office (T&IO) recommendations.

These funds also benefit from the following:

  • You can buy funds in euro, sterling or US dollars, which could be useful if you decide to move abroad in future

  • There's a minimum allocation rate of 100%, so all of your money goes directly into your investment. In addition, if you invest more than £75,000 we'll add 0.5% of the bond value and if you invest over £150,000, we'll give you 1.5% of the bond value

  • An Annual Growth Reward - which enhances the growth potential of your investment by adding an extra 0.1% of the bond value from the end of year one, where no regular or partial withdrawals are made

  • You can start your investment with £20,000, €25,000 or $35,000 and can top up from £15,000, €20,000 or $25,000

  • You can access your investment when you need to, potentially subject to charges

  • You can make 20 free switches in any 12-month rolling period

The value of your investment can go down as well as up so you might not get back the amount you put in.

Further information

For more information on the Risk Managed Active Range, please see the following documents or speak to your financial adviser.