Smoothing out the ups and downs

Our With Profits investments use smoothing to even out some of the ups and downs of investing, with the aim of providing steady returns year after year. AKG, a leading independent financial services consultancy, gives our With Profits Fund their maximum 5 stars for financial strength.

Source: AKG Company Profile and Financial Reports, September 2011.

Why With Profits?

• SIZE - The With Profits Sub Fund is worth £14.56 billion as at 31 December 2011.
• STRENGTH - Legal & General Assurance Society Limited's Standard & Poor's financial strength rating is AA- as at 1 March 2012.
• STABILITY - Legal & General Group PLC has, based on the FSA's Insurance Group Directive basis, a capital surplus of £3.8 billion as at 31 December 2011.

The benefits

• Provides the potential for a higher return than a typical bank or building society deposit account over the medium to long term.
• Aims to provide a relatively stable return when compared to direct stock market investment.
• Invests in a wide range of assets that can help to reduce risk.

Although there is no fixed term, clients should be prepared to hold their investment for at least five years, ideally longer. 

Remember, the value of investments can fall as well as rise, is not guaranteed and your clients may get back less than they invest.

Past performance should not be used as a guide for future performance. 

Why With Profits? (PDF) 

Information about our latest bonus declaration.

Treating customers fairly in with profits.