Moving into a Guaranteed 100 Fund

If you are looking for a money back guarantee, you may want to consider our Guaranteed 100 Fund.

Why choose the Guaranteed 100 Fund?

  • The fund offers 100% protection at your next guarantee date so you can lock in any growth your original investment has achieved
  • It could be right for you if your previous guaranteed fund has matured and you’re looking to add a new guarantee to your investment.
  • It has a lower level of risk than investing 100% directly in stocks and shares
  • This fund has lower growth potential than is offered by a direct investment in some asset types such as equities (stocks and shares). This is because the fund includes a guaranteed element.

Remember, we can only apply the money-back guarantee at your guarantee date. At all other times the value of the investment can go down as well as up. If you take your money out of your Guaranteed Fund before this date, you may get back less than you paid in.

If you take any money out of the Guaranteed Fund, your guaranteed amount will reduce in proportion to the number of units we cancel to make the payment, rather than by the amount you withdraw.

More information on our guaranteed funds

If you like the sound of moving into another guaranteed fund, you can find more information on each one in our guaranteed selection pages.

Alternatively, ring us on 0800 096 3530 and we can talk through these funds with you.

Next steps

It’s important to make sure you choose the right funds for you.

So if you need advice about moving into a guaranteed fund, you should speak to your financial adviser. If you don't have one, you can find one at

We’ll send you an Options Form three months before your current investment reaches its fifth anniversary. When you’ve made your decision, just tick the option you want and send it back to us.

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