Police Mutual MultiManager Funds
Product Information
There are lots of options for saving. Traditional bank and
building society accounts are ideal for your immediate needs over
the short to medium term, offering a wide range of interest rates
and benefits.
When your short and medium term needs are met, you may want to
consider investing over the longer term for potentially higher
returns. The Police Mutual MultiManager Funds may be right for you.
You can even use your annual stocks and shares ISA allowance to
invest in these funds – giving you a tax-efficient investment for
your future.
Your choice of funds
There are five Police Mutual MultiManager Funds which
provide you with the opportunity to invest in a way that suits your
circumstances. Each fund has different aims and different levels of
associated risk.
Find out more
For further
information call us on
0845 88 22 999 (Monday – Friday,
8.30am – 5.30pm) to request a brochure.
How the funds are managed
Police Mutual have
appointed Investment Solutions as multimanager to manage
the funds. Investment Solutions Fund Managers Limited is authorised
and regulated by the Financial Services Authority.
The Police Mutual
investment team and our MultiManager follow a disciplined approach
to investing your money. Each fund invests in a number of
underlying investments and funds, selected with the aim of
achieving the best results within the stated objectives of the
fund.
Choosing the right MultiManager Fund
What is a MultiManager Fund?
A MultiManager Fund
gives you access to some of the leading investment professionals
and their funds. Each fund is actively managed by the
'MultiManager'. They aim to make sure that your money is invested
in the right places, at the right times, to achieve the best
results.
Based on rigorous
criteria they select those investments that are, in their view,
amongst the best in their particular field. This approach aims to
help you benefit from some of the best investment opportunities. It
also means that your money is spread over a mix of individual fund
managers helping to minimise the exposure to risk and maximise the
potential for growth.
Investing for income
The PMIS MultiManager Income Fund could appeal to you if you
want the prospect of a regular income with the potential for some
capital growth. We aim to pay you a quarterly income from this
fund, investment performance allowing.
Summary of benefits
- Aims to provide a regular income and some
capital growth over the long term
- Get tax-efficient growth within an ISA
- Benefit from the knowledge and expertise of
our investment management team
- No fixed period of investment - although
five years or more is a good guide
- Invest from £3,000
- Reduced risk through a spread of
investments when compared to investing directly in stocks and
shares
In common with all such investments, the value of your capital
and income can fluctuate and you may get back less than you
invested. If insufficient income is achieved from the underlying
investments, we may not make a quarterly income payment.
Investing for growth
There are four Police
Mutual MultiManager Funds available for you if your objective
is to invest for growth and you’re prepared to accept a certain
level of risk to achieve potentially higher returns. The funds
invest differently to suit the fund objectives, and have different
levels of risk associated with them.
Summary of benefits
- Aim to provide capital growth over the long term
- Get tax-efficient growth within an ISA
- Benefit from the knowledge and expertise of our investment
management team
- No fixed period of investment - although five years or more is
a good guide
- Invest from £1,000 or you can make regular payments from £50
per month
- Reduced risk through a spread of investments when compared to
investing directly in stocks and shares
Generally, the potential for higher returns increases when more
of the investment is linked to shares. However, you should bear in
mind that this will also increase the level of associated risk. As
with any stock market investment, the value of your investment can
go down as well as up, and you could get back less than you
invested.
ISAs
If you are a UK
resident, you can invest tax-efficiently in any of the funds
through a Stocks and Shares Individual Savings Account (ISA).
Benefits of an ISA
- They’re easy to open
- We handle all the tax matters relating to your money while it’s
invested
- You can invest in any of the MultiManager Funds
- There is no fixed investment period - although five years or
more is a good guide
Your ISA allowance is £7,200 each tax year.
You can use your allowance to invest in one or both of the two
ISA components:
– Cash ISA (maximum investment is £3,600 each tax year)
– Stocks and Shares ISA
You can only have one Cash ISA and one Stocks and Shares ISA
each tax year
The Police Mutual MultiManager Funds are available as a Stocks
and Shares ISA. Everyone can invest £3,600 each tax year. The
maximum you can invest is the difference between £7,200 and the
amount (if any) you have invested in a Cash ISA in the same tax
year.
You should bear in mind that tax advantages and investment
limits for ISAs may change in the future.