Investment ISA
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One fund, managed by us, with the aim of long-term growth
Saving into an ISA with us is simple, and doesn't require any previous investing experience. We appreciate that when you open
an ISA with us you want to be sure that we’re making the most effective choices we can when it comes to where to put your money.
Because of this we don’t expect you to make any complicated investments decisions; instead your money is invested on your behalf
by our fund manager in a sensible and responsible manner, with the aim of growth via annual bonuses.
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Overview
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Fund performance
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Why us?
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Where do we invest?
The fund that we invest in is known as our With-Profits fund, but within this there are a variety of commodities.
UK and overseas company shares
Investing in company shares helps us to aim for higher growth, but also carries an increased risk factor.
Property
Property, considered a safer investment than shares, carries less of a risk but also offers good growth potential.
Government and company bonds
Bonds carry far less risk than property or shares, but don’t offer the same potential for growth either.
Deposits
Deposits are cash savings that carry the lowest risk level, but also offer the lowest potential growth.
In normal market conditions, it's likely that the majority of your money would be invested within shares and property, as these have the means to provide your investment with the most growth. However, the fund is actively managed meaning that our fund manager may move your money into safer commodities when market or external factors threaten investment conditions.
How has our ISA performed?
Below you can see the previous performance of our ISA over the last five years.
This chart shows bonuses paid to our members after all charges have been deducted, and is the actual return received. Please remember that past performance is not a guide to how your ISA could perform in the future, and we may not pay a bonus in years when performance is particularly poor.
Bonuses explained
Where possible, we'll add bonuses to your ISA that will help to boost your savings, and will be worked out as a percentage of the value of your entire fund. There are two types of applicable bonus.
Annual Bonus
We aim to pay this bonus once a year, for the duration of your investment. The level of bonus can go up and down each year, and there is no guarantee we'll pay one.
Final Bonus
This bonus may be paid once your plan comes to an end, for example when you close your ISA. Again, the final bonus is subject to investment conditions and we may not pay one.
What's the risk?
All investments carry a level of risk. Our Investment ISA carries an investment risk rating of medium to low.
The reason that we have a risk rating at the lower end of the scale is that we apply a process known as smoothing to your investment. In doing this we hold onto some of the profit in strong investment conditions, so that when conditions are not as favourable we can still aim to pay a bonus into your plan. This also means that your money is protected from short-term stock market volatility, which could reduce the value of your fund. You should remember though that your capital is at risk.
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Need more information?
You can use the tabs at the top of this page to find out more about the plan. We also have a handy infographic that helps to explain more.
If you still have questions about the plan then we’ve put together a useful list of FAQ’s.
Otherwise, please feel free to get in touch with our Customer Service team who will be happy to answer any questions you have or to run through the application with you.
SF_PHONE_NUMBER
info@shepherds.co.uk
You can call us any time between 9am - 5pm Monday to Thursday or 9am - 4pm Friday.
Ready to get started?
Before you start your application, please make sure that you have read and understand the following documents:
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Important things to consider
- Past performance cannot be taken as a guarantee of future returns.
- Bonus rates vary from year to year depending on the performance of our investments and in some years we may not pay out any at all.
- HM Revenue and Customs may change the tax status of an ISA in the future.
- Inflation and making regular withdrawals may affect the purchasing value of your investment in the future.
- In poor investment conditions we may apply a Market Value Reduction (MVR).
When you take out an investment product with us your capital is at risk and you may get back less than you have put in.
All references to taxation are to UK taxation and are based on Shepherds Friendly Society's understanding of current
legislation and H M Revenue and Customs practice which may change in the future. Investment growth is by means of bonuses,
the amount of which cannot be guaranteed throughout the term of the contract. Please ensure that you read the full terms
and conditions of this plan which are available from your financial adviser or by contacting us directly.
No advice has been given by Shepherds Friendly, and if you are in any doubt as to whether a savings plan is suited to your needs, then you should contact a
financial adviser. There may be a charge for financial advice, and the cost should be confirmed to you before any advice is given.