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Choosing an investment fund can be difficult if you are unsure of what type of investment you need.

You will need to consider many factors such as what you need from your investment (for example growth or income), the type and amount of investment risk you want to take, whether it is within an ISA or not and how your circumstances are likely to change in the future.

To make investing a little easier, we’ve carefully selected three investment funds from the Fidelity International™ MoneyBuilder fund range to choose from.

1. MoneyBuilder Growth Fund

2. MoneyBuilder Balanced Fund

3. MoneyBuilder Income Fund

If you're an experienced investor looking for something a little more adventurous and would like details of the full range of funds available, why not find out about our  'build your own investment portfolio' option.

This website does not provide advice on the suitability of our investments for your circumstances.  The information we provide you with is to help you make your own decisions. 

Fund Objective

The fund’s objective is to achieve long-term capital growth from a portfolio made up of the shares of UK companies, typically holding 60-80% in FTSE 100 stocks.

The portfolio is likely to have a bias towards larger companies, although the fund manager is not restricted in its choice of company by either size or industry.

Any income received from the underlying investments is reinvested back in to the fund although you can choose to have this paid to you twice a year.

Fund Aims

The fund manager aims to generate returns by selecting shares which create both income and capital gains. They do this by investing mainly in UK based companies, with many of them in the FTSE 100 Index.

The fund will be heavily influenced by the performance of the larger companies in the FTSE 100, although the manager has the flexibility to also invest in smaller companies.

Suitability

This may be suitable for investors willing to accept the risk of their investment value fluctuating with the performance of larger UK based companies.

Investors should be looking for enhanced potential returns over an extended time period, focussed upon companies of varying types who are largely influenced by the UK economy but should understand that there are no guarantees and the value of the investment will fluctuate.

Investment limits

You can invest a one off lump-sum of at least £500 and make top-up payments of £250. You can also make regular payments of at least £50 a month by direct debit.

If you choose to invest as a Stocks and Shares ISA, you will be restricted by the limits set by the government.

You can find out more about this fund including charges and investment performance by viewing the relevant fund fact sheets on Fidelity's website. You can access these by using the links below.

ISA Fund Factsheet >> 

Non- ISA Fund Factsheet >>

If you want to open an investment through our Investment Choice service, please use the apply now button at the top of this section.

Fund objective

The fund’s objective is to achieve an attractive level of income together with some long term capital growth from a portfolio invested primarily in the UK. The portfolio will be invested in a combination of UK government and corporate bonds and other fixed interest securities, preference shares, convertibles and ordinary shares.

The portfolio is likely to have a bias towards larger companies, although the fund manager is not restricted in its choice of company by either size or industry.

Any income received from the underlying investments is reinvested back in to the fund although you can choose to have this paid to you as a monthly income.

Fund aims

The fund manager aims to achieve an attractive level of income and some long term capital growth. It does this by investing mostly in a mix of shares in UK companies plus corporate and government bonds. The proportion invested in shares may typically be 65% of the fund value (although this can vary).

Suitability

This may be suitable for investors who are willing to invest in shares in large UK based companies.

Investors should be looking for a large proportion of their investment to be in shares, but also a significant amount in bonds which provide a more stable level of income for the fund. There are no guarantees and the value of the investment and income will fluctuate.

Investment limits

You can invest a one off lump sum of at least £500 and make top up payments of £250. You can also make regular payments of at least £50 a month by direct debit.

If you choose to invest as a Stocks and Shares ISA, you will be restricted by limits set by the government.

You can find out more about this fund including charges and investment performance by viewing the relevant fund fact sheets on Fidelity's website. You can access these by using the links below.

ISA and Non-ISA Fund Factsheet >>

If you want to open an investment through our Investment Choice service, please use the apply now button at the top of this section.

Fund objective

The Fund's investment objective is to achieve an attractive level of income from a portfolio primarily invested in sterling-denominated fixed interest securities.

Fund aims

The fund manager aims to generate a monthly income for the investor. This is done by investing primarily in higher grade UK based corporate bonds, government bonds, lower grade corporate bonds and other fixed interest securities.

In trying to achieve an income, it does not specifically target any capital growth, although the option to reinvest income is available.

Suitability

This may be suitable for investors looking for a monthly income from their investment.

Investors should be looking to generate income mostly from large highly rated UK based companies but should be aware that there are no guarantees and the value of the income and investment will fluctuate.

Investment limits

You can invest a one off lump sum of at least £500 and make top up payments of £250. You can also make regular payments of at least £50 a month by direct debit.

If you choose to invest as a Stocks and Shares ISA, you will be restricted by limits set by the government.

You can find out more about this fund including charges and investment performance by viewing the relevant fund fact sheets on Fidelity's website. You can access these by using the links below.

ISA Fund Factsheet >>

If you want to open an investment through our Investment Choice service, please use the apply now button at the top of this section.

If you're an experienced investor looking to build your own investment portfolio, we can help by giving you access to over 1,100 investment funds from 65 leading providers through our Investment Choice service.

Giving you great choice and flexibility, our Investment Choice service provides you with a large selection of investment funds with discounted charges so you could make a significant saving.

Visit our 'build your own investment portfolio' section and start searching over 1,100 funds today.

You can choose to invest in a Stocks and Shares ISA which can be used to protect a range of investment options from both Income and Capital Gains Tax. This means you can save or invest in a tax-efficient way

Because ISAs are so tax-efficient, the Government has set limits on how much you can invest through ISAs each tax-year and you should remember that the tax treatment of ISAs may change in the future.

ISA allowances from 6 April 2010

Everyone can invest up to £10,200 each tax-year in an ISA.

You can decide to invest your full allowance of £10,200 in a Stocks and Shares ISA or you can invest up to £5,100 in a Cash ISA and the remainder in a Stocks and Shares ISA.

If you’ve already used your ISA allowance this tax-year, you could consider transferring your previous tax-year ISA investments without affecting your current year’s allowance.

However, you should be aware that your current provider could charge you for transferring your investment.

Under ISA rules, you are allowed to transfer in all or part of any current ISA investments you already have into any fund within our Investment Choice service.

Current tax-year ISAs must be transferred in full, but previous years' allowances may be split between different providers.

Due to recent changes in ISA rules, you can transfer money saved in previous years' Cash ISAs into Stocks and Shares ISAs without affecting your current year's allowance. Although the rules currently do not allow you to transfer back again into a Cash ISA. You should remember that Stocks and Shares ISAs do not provide the security of Cash ISAs, even if you are transferring a Cash ISA into a Stocks and Shares ISA.

There is no charge levied by Fidelity International™ for transferring to one of the three MoneyBuilder funds as these funds have no initial charge.

There will be a period during the transfer where you will not be invested in any fund and therefore not receive any investment growth. If you choose to transfer into one of the other funds you will be charged the initial charge appropriate to your fund.

You can take advantage of the ISA transfer-in option when you apply online.

The are no initial charges or fees when you invest in any of the three Fidelity International™ MoneyBuilder funds but you will be charged an annual management fee. Please check the relevant fund fact sheet for any charges that will be applied to your investment as charges can vary from fund to fund and sometimes can vary for ISAs compared to non-ISAs within the same fund.

Once your new investment has been opened, the Investment Choice service provided by Fidelity FundsNetwork™ will provide you with your own secure online account which you can access 24 hours a day 7 days a week.

Once your online account has been opened, you will be able to take advantage of a number of benefits.

• Buy, sell or transfer any investments
  
• Review the current value of your fund at any time
  
• Re-register any funds you hold elsewhere, that are available in the Investment Choice service, under one account