A with-profits investment pools your money with that of other investors. It is then invested across a range of assets such as:
- Shares (equities)
- Bonds
- Property
- Cash deposits
The aim is to grow your investment gradually while protecting it from short-term market fluctuations.
How Does It Work?
Instead of directly receiving dividends, rental income, or capital growth from the underlying investments, With-Profits investors benefit from a system of bonuses that are added to the value of the plan over time.
There are typically two types of bonuses:
1. Annual (Regular) Bonus
This is added to your plan each year (or sometimes more frequently, depending on the product), reflecting the fund’s performance and market conditions.
Our regular bonuses are set by our directors after careful analysis and actuarial advice. We aim to offer consistent returns while maintaining the financial strength of the fund.
2. Final (Terminal) Bonus
This may be added when you cash in your plan — for example at retirement, on death, or when switching to another fund. It reflects any additional growth not already included in regular bonuses.
Our Services.
Wealth Management
Wealth, just like your health, must be carefully preserved. Your assets need to be protected against the potential threats of erosion by taxation...
Retirement Planning
When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have...
Savings & Investments
When someone talks about savings and saving money, it could be referring to a piggy bank or a high interest deposit account.
