- Fund Choice: Tracks FTSE 100 Index
- Invest From: £50 pm
- Investment Options: Provides exposure to the FTSE 100 index of the largest companies listed on the London Stock Exchange at a highly competitive price.
Available via Fidelity Fund Supermarket this is a super low cost FTSE 100 tracker with a 0.07% pa annual charge. The product has a record of tracking its benchmark to a high degree of accuracy and scored ahead of rivals on this measure. Income generated is reinvested.
The investment objective of the Fund is to deliver the net total return performance of the Benchmark Index (being the FTSE 100 Index), less the fees and expenses of the Fund. In order to achieve this investment objective, the investment policy of the Fund is to invest in a portfolio of equity securities that as far as possible and practicable consists of the component securities of the FTSE 100 Index, this Fund’s Benchmark Index.
Please note the value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.
- Fund Choice: Tracks FTSE 250 Index
- Invest From: £25 pm
- Investment Options: The Fund's investment objective is to provide long term capital growth by matching the capital performance of the FTSE 250 Index by investing in companies that make up the index.
Available via Hargreaves Lansdown this is a low cost FTSE 250 tracker with a 0.18% pa annual charge.The FTSE 250 is full of medium-sized companies with exciting growth potential. We think this is an excellent tracker fund, offering a low cost way to invest in this area of the market. HSBC has lots of experience running tracker investment funds.This fund is available via the Hargreaves Lansdown investment platform.
Please note the value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.
- Fund Choice: Tracks FTSE 250 Index
- Invest From: £50 pm
- Investment Options: Tracks the FTSE 250 index of medium-sized companies, providing a greater UK domestic focus than the FTSE 100.
Available via Fidelity Fund Supermarket this product is among the lowest cost on the market. It comes from one the most established players. This is an ‘Accumulation’ product, meaning any income generated is reinvested.
This Fund seeks to track the performance of the Index, a widely recognised benchmark of mid cap sized companies of the United Kingdom.
Please note the value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.
- Fund Choice: Tracks S&P 500 Index
- Invest From: £100
- Investment Options: The Fund seeks to track the performance of the Standard and Poor's 500 Index.
Super low cost way of tracking the largest US companies at 0.07% pa. The Fund employs a passive management – or indexing – investment approach, through physical acquisition of securities, and seeks to track the performance of the Standard and Poor's 500 Index (the “Index”).
This fund is available through the Hargreaves Lansdown Platform
Please note the value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.
- Fund Choice: Tracks MSCI World Index
- Invest From: £50 pm
- Investment Options: The Fidelity Index World Fund, invested in a variety of well-known companies such as Coca-Cola, Google, Disney & Microsoft
Why we like it: A low-cost, easy way to start investing in the stock market with a super low annual management charge of 0.1%. Great way to spread risk across a wide range of shares.
The Fund aims to track the performance of the MSCI World (Net Total Return) Index (before fees and expenses are applied) thereby seeking to increase the value of your investment over a period of 5 years or more. The performance of the Fund is unlikely to track the performance of the index precisely.
Please note the value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.
Why we like it: If you are looking for a high income yield and prepared to accept higher volatility then this fund may fit the bill. With a focus on high yield bonds and shares, the fund manager is an experienced bond investor who has a flexible approach to seeking out the best income opportunities. This fund is available via the Hargreaves Lansdown investment platform.
*Distribution yield as at 30/4/2020
Important information: Please remember the value of your investment and any income from it may fall as well as rise and is not guaranteed. You may get back less than you invest.
Why we like it: Getting paid a regular income is a priority for many investors. Whether you're in retirement, or want to boost your existing income, an equity income fund could be right for you. Even if you do not need income now, you can opt to reinvest it to boost capital growth. An emphasis on dividends and dividend growth makes this fund a more traditional UK equity income fund, in our view, so it could help form the foundation of an income portfolio.This fund is available via the Hargreaves Lansdown investment platform.
*Historic yield correct as at 31/5/2020
Important information: Please remember the value of your investment and any income from it may fall as well as rise and is not guaranteed. You may get back less than you invest.
Why we like it: A low cost ethical fund (0.25% pa ongoing charge) with the objective of the Fund is to provide growth by tracking the performance of the FTSE 350 Index (the “Index”), excluding shares of companies whose business does not meet a range of ethical and environmental guidelines (“ethical screening methodology”) determined by an external agency chosen by the Manager. This fund is available through the Hargreaves Lansdown Platform.
*Historic yield correct as at 22/5/2020
Important information: Please remember the value of your investment and any income from it may fall as well as rise and is not guaranteed. You may get back less than you invest.
Why we like it: If you are looking to access Asia’s exciting growth potential along with a regular income this fund may be for you. Focuses on larger, dividend-paying companies in developed Asian markets, including Hong Kong, Singapore and Australia. Invests in a small number of companies so each can contribute a lot to performance, which can increase risk. The fund aims to pay an attractive income and grow your investment. A focus on companies that tend to be more stable could help the fund fall to a lesser extent than some others when markets are weak. Jupiter has grown to be one of the UK’s most successful and respected investment management groups. This fund is available via the Hargreaves Lansdown investment platform.
*Correct as at 22/5/2020
Important information: Please remember the value of your investment and any income from it may fall as well as rise and is not guaranteed. You may get back less than you invest.
Why we like it: Suitable for the long term investor the fund manager Terry Smith focuses on a small number of high quality, resilient, global growth companies (Between 20 and 30 stocks) that are good value with the intention of holding the shares for a long time. Companies held include Microsoft, Paypal and Estee Lauder. This fund is available through the Fidelity Platform.
*Historic yield as at 30 April 2020
Important information: Please remember the value of your investment and any income from it may fall as well as rise and is not guaranteed. You may get back less than you invest.
- Counterparty: Barclays Bank plc
- Term: Up to 10 Years
With the current record low interest rate environment, income is high up on the agenda for many investors and so the ability to receive 7.0% per year even if the FTSE falls by up to 20%, is certainly worth a closer look.
Important: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.
- Potential quarterly income: 1.75% (equivalent to 7.0% annually)
- Income paid even if FTSE 100 falls by 20%
- Potential to kick out quarterly from year 2 onwards
- Available for ISA, ISA transfers and direct investments
- Capital is at risk if the FTSE 100 Index has fallen by more than 35% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
- Minimum investment £5,000
- An arrangement fee applies to this plan
- If you withdraw your money during the plan you may get back less than you originally invested
Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.