A collective investment fund is a way of pooling your money with that of other individual investors and organisations. A fund manager looks after that money, deciding where to invest the money in line with the fund’s investment objectives.
With a larger pool of money than you’d have alone, the fund manager can usually access investments that wouldn’t be open to you as an individual. The fund manager will also spread the risk to the fund by investing in a wide range of assets. These typically include government bonds, corporate bonds, stocks and shares and properties.
You should think of a collective investment fund as a medium to long-term investment of at least five years.
This site gives you information about investing in collective investment funds, but doesn’t offer you financial advice. If you’d like to speak to an adviser, you can find one in your local area at unbiased.co.uk. Please bear in mind an adviser will charge you for their services.
Please remember the value of your investment may go down as well as up. You may not get back the amount you originally invested.
Everything you need to know about collective investment funds:
There are two simple ways to invest your money in our funds - use ready made multi-asset funds, or choose from a range.
Apply online today to invest in a collective investment fund or apply by post if you prefer.
If you’re not sure if investing in collective investment funds is right for you, you might want to take a look at our help and information page. We can’t offer you any financial advice, but you might find this information useful before making your final decision.
If you’re in any doubt, we strongly recommend that you talk to a financial adviser. They will be able to assess your personal situation and offer you advice on the best thing for you to do. It’s likely that you will have to pay a charge for financial advice.
If you don’t already have a financial adviser, you can find one in your local area at unbiased.co.uk.
If you’ve not yet used up all of your ISA allowance for this tax year, then maybe a Stocks and shares ISA might suit you?
Visit our Stocks and shares ISA page for more information.