READY TO GO THE DISTANCE THE M&G ISA ISA DEADLINE
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1 READY TO GO THE DISTANCE THE M&G ISA 15,240 ISA DEADLINE 5 APRIL 2017
2 THE DEADLINE IS FAST APPROACHING An M&G Individual Savings Account (ISA) could help make your money work harder. There s no personal income tax or capital gains tax to pay on returns from your investment, plus you benefit from our expertise, our extensive fund range and our commitment to investing for the long term. Remember, the deadline for the current tax year is midnight on 5 April If you haven t got around to using your allowance by then, it will be lost. 15,240 ISA DEADLINE 5 APRIL 2017 You can invest up to: 15,240 in The M&G ISA 4,080 in The M&G Junior ISA Please remember, the value of investments and the income from them will fluctuate which will cause fund prices to fall as well as rise and you may not get back the original amount you invested. ISA and Junior ISA tax advantages also depend on your individual circumstances and their tax rules may change in the future.
3 WE COULD HELP YOUR SAVINGS GO THE DISTANCE Whatever your investment goals, we re confident that our wide selection of funds should hold investment options that can help you realise your financial ambitions. We have over 50 funds you can hold in an ISA or Junior ISA. Of course, with this much choice, we know it can be difficult to decide how to invest. Here we have highlighted three funds which could be options to consider if you are looking to invest for growth or income in your ISA this year. At the very least, we hope they give you food for thought as you weigh up your investment options. These funds are not a recommendation or advice, and you should consider if they fit your personal circumstances. To review our full range, you can visit INCOME M&G OPTIMAL INCOME FUND The M&G Optimal Income Fund aims to deliver income and capital growth from investing strategically in bonds. Richard Woolnough, who has managed the fund since launch in 2006, has great flexibility to react to the opportunities and challenges that bond markets present. Richard can not only invest globally across fixed income assets from government bonds to high yield corporate bonds, which are deemed to carry greater investment risk but can also invest up to one-fifth of the fund in company shares if he believes they offer better value than bonds, on a case-by-case basis. This latitude is particularly useful given that economic conditions can affect how assets perform in different ways. As bond markets enter a new phase where global inflation is rising from near record lows, and where interest rates are also set to increase, Richard s three decades of experience could prove especially valuable. Long-term returns An investment into the M&G Optimal Income Fund, over the past five years, would have achieved a total return (the compounded effect of net income reinvested and any capital growth) of 6.2% per annum. Source of total return: Morningstar, Inc., as at 31 December Sterling Class A shares, income reinvested, price-to-price basis. We would like to remind you that we are unable to give financial advice. If you are unsure about the suitability of your investment, speak to your financial adviser. These funds are not a recommendation or advice, and you should consider if they fit your personal circumstances. Please also keep in mind that the value of investments and the income from them will fluctuate, which will cause the fund price to fall as well as rise. There is no guarantee the fund objective will be achieved and you may not get back the original amount you invested. Please see the Key Investor Information Document (KIID) for a summary of the main risks relating to each fund. Before considering investment, please ensure you have read an up-to-date version of the KIID for each fund you wish to invest in, alongside the Important Information for Investors (III) document enclosed within this pack. Please refer to the glossary found on page 11 for an explanation of the words highlighted in bold throughout this brochure. M&G Optimal Income Fund Single year performance, five years ending December From To Sterling A Acc +7.7% -1.2% +4.7% +7.3% +12.9% Sterling I Acc +8.1% -0.9% +5.2% +7.7% +13.4% IA Strategic Bond Sector +6.9% +0.1% +6.3% +3.6% +14.4% The Sterling Class A Accumulation shares performance is the share class most individuals investing directly with M&G have received. The Sterling Class I Accumulation shares is used by the Investment Association (IA) in the calculation of the comparative sector s average performance, and is deemed to be the most appropriate to compare with the sector s average performance. Source: Morningstar, Inc., as at 31 December Sterling Class A and I shares, income reinvested, price-toprice basis. The fund allows for the extensive use of derivatives. The value of investments and the income from them will fluctuate. This will cause the fund price to fall as well as rise. There is no guarantee the fund objective will be achieved and you may not get back the original amount you invested.
4 GROWTH ADVENTUROUS GROWTH M&G MANAGED GROWTH FUND M&G GLOBAL BASICS FUND The M&G Managed Growth Fund aims to deliver capital growth over the long term by investing primarily in M&G s range of funds. Since Dave Fishwick became the fund manager in 2015, he has applied the Multi Asset team s topdown approach where asset allocation is guided by the global economic environment to picking a combination of investments that targets capital growth. While the fund invests across different types of asset, it continues to mainly hold M&G funds that invest in company shares from around the world. The outlook for equities is encouraging, in Dave s opinion, given they would be expected to perform strongly if global economic growth improves. Many investors remain highly cautious and prefer assets seen as more secure, even if they look expensive. In this climate, Dave believes equities offer long-term value opportunities for those willing to accept a higher level of risk and greater fluctuations in the day-to-day value of their investments. Long-term returns An investment into the M&G Managed Growth Fund, over the past five years, would have achieved a total return (the compounded effect of net income reinvested and any capital growth) of 7.8% per annum. Source of total return: Morningstar, Inc., as at 31 December Sterling Class A shares, income reinvested, price-to-price basis. The M&G Global Basics Fund invests in company shares from around the world with the sole aim of achieving longterm capital growth. Fund Manager Jamie Horvat s investment process starts with identifying structural changes and trends in the global economy. He then conducts fundamental analysis on individual companies which could benefit from those changes and trends, favouring those that are of good quality (being well managed and governed), can achieve attractive growth, and whose shares are attractively valued. Jamie s current areas of focus include healthcare and ageing populations, infrastructure, the environment, and safety and security. He maintains a cautious outlook as global stockmarkets continue to be shaped by concerns over the implications of rising interest rates, slow European economic growth and elections, plus uncertainty surrounding the ramifications of Brexit. However, Jamie s well-established investment process allows him to identify attractive companies with strong growth prospects for the long term. Long-term returns An investment into the M&G Global Basics Fund, over the past five years, would have achieved a total return (the compounded effect of net income reinvested and any capital growth) of 5.9% per annum. Source of total return: Morningstar, Inc., as at 31 December Sterling Class A shares, income reinvested, price-to-price basis. M&G Managed Growth Fund Single year performance, five years ending December From To Sterling A Acc +32.4% -1.3% +2.5% +2.5% +5.9% Sterling I Acc +32.9% -0.8% +3.2% +3.2% +6.2% IA Flexible Investment Sector +14.6% +2.4% +5.4% +15.2% +10.5% The Sterling Class A Accumulation shares performance is the share class most individuals investing directly with M&G have received. The Sterling Class I Accumulation shares is used by the Investment Association (IA) in the calculation of the comparative sector s average performance, and is deemed to be the most appropriate to compare with the sector s average performance. Source: Morningstar, Inc., as at 31 December Sterling Class A and I shares, income reinvested, price-toprice basis. The fund s Sterling Class I Accumulation shares launched on 3 August Performance data shown prior to this date is that of the fund s Sterling Class X Accumulation shares. M&G Global Basics Fund Single year performance, five years ending December From To Sterling A Acc +31.9% -2.9% -0.1% +3.1% +1.0% Sterling I Acc +32.9% -2.2% +0.6% +3.9% +0.9% IA Global Sector +23.9% +3.9% +8.3% +23.4% +10.4% The Sterling Class A Accumulation shares performance is the share class most individuals investing directly with M&G have received. The Sterling Class I Accumulation shares is used by the Investment Association (IA) in the calculation of the comparative sector s average performance, and is deemed to be the most appropriate to compare with the sector s average performance. Source: Morningstar, Inc., as at 31 December Sterling Class A and I shares, income reinvested, price-toprice basis. The fund s Sterling Class I Accumulation shares launched on 3 August Performance data shown prior to this date is that of the fund s Sterling Class A Accumulation shares. The fund will invest predominantly in other funds, and therefore invests mainly in company shares. The fund is likely to experience larger price fluctuations than funds that invest in bonds and/or cash. The value of investments and the income from them will fluctuate. This will cause the fund price to fall as well as rise. There is no guarantee the fund objective will be achieved and you may not get back the original amount you invested. The fund invests mainly in company shares and is therefore likely to experience larger price fluctuations than funds that invest in bonds and/or cash. The value of investments and the income from them will fluctuate. This will cause the fund price to fall as well as rise. There is no guarantee the fund objective will be achieved and you may not get back the original amount you invested.
5 THE EXPERIENCE AND EXPERTISE TO PERFORM When it comes to managing money, you re in experienced hands with M&G. For 86 years, we have had the same enduring commitment to growing our investors wealth over the long term. We share the same goal to help your savings work harder and help you and your family to prosper and our products are designed and developed with our investors needs in mind. All the holdings in our funds are chosen by expert managers, who are supported by a global research network of experienced analysts. What s more, we have no house view so all our fund managers are free to follow their own convictions as they actively search for the best opportunities. We believe this active approach to investing has the greatest potential to make the most of market opportunities and so to maximise returns for our investors over the long run. What you pay: No entry charges No exit charges Our direct investors will only pay an ongoing charge plus a share of portfolio transaction costs (the costs incurred when funds buy and sell investments). There are no other extra charges or hidden costs. To understand more about M&G charges please visit Please remember, the value of investments and the income from them may fluctuate which will cause fund prices to fall as well as rise and you may not get back the original amount you invested.
6 HOW TO INVEST WITH US Before you invest, please make sure you read our: Important Information for Investors document (III) Terms and Conditions Key Investor Information Documents (KIIDs) Prospectus These documents will give you more information about investing with M&G, including details on our different share classes, charges and performance and outline the terms of M&G s service. We have enclosed the III, Terms and Conditions and KIIDs for the funds Sterling Class A shares featured in this pack. To download the Prospectus or to request KIIDs for other funds in the M&G range, please visit When you re ready, you can invest by post or over the phone: Please complete the appropriate application* or transfer** form and return it to us, along with your cheque (if applicable), in the reply-paid envelope we have provided. If you require any additional M&G applications or transfer forms these can be downloaded from our website Call and quote XGDQ. We are open from 8.00am to 6.00pm Monday to Friday and from 9.00am to 1.00pm on Saturday. For security and to improve the quality of our service, we may monitor and record calls. Already used this year s ISA allowance? We have a range of funds available that could help your money go further over the long term. To see all M&G s funds, please visit *Existing M&G customers will need their M&G client reference. Failure to provide this may affect your ability to transact with us. Your M&G client reference can be found on your M&G statement. **Please note, your current provider may apply a charge when you transfer your investment. Whilst your investment is being transferred it will be out of the market for a short period of time and will not lose or gain in value. Please remember, the value of investments and the income from them may fluctuate which will cause fund prices to fall as well as rise and you may not get back the original amount you invested. We are unable to give financial advice. If you are unsure about the suitability of your investment, speak to your financial adviser. In addition, the views expressed in this document should not be taken as a recommendation, advice or forecast. Glossary This page contains a glossary of terms that are used within this booklet. If the information you need is not included, please contact the Customer Relations team on Asset Anything having commercial or exchange value that is owned by a business, institution or individual. Asset allocation Apportioning a portfolio's assets according to risk tolerance and investment goals. Bond A loan in the form of a security, usually issued by a government or company, which normally pays a fixed rate of interest over a given time period, at the end of which the initial amount borrowed is repaid. Brexit British exit, referring to the 23 June 2016 referendum by British voters to exit the European Union. Capital growth Occurs when the current value of an investment is greater than the initial amount invested. Comparative sector A group of funds with similar investment objectives and/or types of investment, as classified by bodies such as the Investment Association (IA) or Morningstar. Sector definitions are mostly based on the main assets a fund should invest in, and may also have a geographic focus. Sectors can be the basis for comparing the different characteristics of similar funds, such as their performance or charging structure. Compounded Compounding is the process where the reinvestment of capital gains or income increases the value of investments over time, as these gains can generate extra capital gains or income when reinvested themselves. Equity/Equities Shares of ownership in a company. Fixed income A loan in the form of a security, usually issued by a government or company, which normally pays a fixed rate of interest over a given time period, at the end of which the initial amount borrowed is repaid. Share classes Type of fund shares held by investors in a fund (share classes differ by levels of charge and/or by other features such as currency or share class hedging). Total return The term for the gain or loss derived from an investment over a particular period. Total return includes income (in the form of interest or dividend payments) and capital gains.
7 This financial promotion is issued by M&G Securities Limited which is authorised and regulated by the Financial Conduct Authority in the UK and provides ISAs and other investment products. The company s registered office is Laurence Pountney Hill, London EC4R 0HH. Registered in England No JAN 17 /
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