With profits guides.
An introduction to smoothing
With profits helps to even out some of the short-term ups and downs that may be experienced when investing directly in the stock market and other investments. Read our factsheet on smoothing for more information.
Market Value Reductions and why they might be applied
A Market Value Reduction (MVR) is an adjustment to the amount we pay out if you take money out of your with profits investment in certain circumstances. The amount you received would be based on your fair share of the with profits fund and may mean you get back less than you expected. Read our factsheet on MVRs for more information.
Principles and Practices of Financial Management 2007
The Principles and Practices of Financial Management contains a detailed description of our approach to managing with profits.
Notification of changes to our Principles and Practices of Financial Management 2007
For the latest changes to the PPFM, please read this.
An introduction to conventional with profits
Read this customer friendly version of our Principles and Practices of Financial Management for more information on how we manage your plan. Please note, this booklet is for plan numbers that start with 0, 0T0, G or P.
An introduction to unitised with profits
Read this customer friendly version of our Principles and Practices of Financial Management for more information on how we manage your plan. Please note, this booklet is for plan numbers that start with UK, US, U, UP, 2, 3, 4 or 5.
2009 bonus factsheet
For more information on our latest with profits bonus declaration, please read this factsheet.
Board report on compliance 2009
Every year, our board of directors reports to policyholders on compliance with the Principles and Practices of Financial Management for the period January to December. For more information on this, please read the report.
With Profits Bond
The With Profits Bond offers the potential for long-term steady growth with smoothed investment returns to reduce volatility. It is designed to offer you a tax efficient method of taking an income and can also provide a lump sum benefit on death. However, unlike the Capital Control Bond it does not offer an capital guarantees.
Capital Control Bond
The Capital Control Bond also comes with the benefits of smoothing, offers you a tax efficient method of taking an income and provides a lump sum benefit on death. All customers receive a 10 year capital guarantee and you can choose alternative guarantee options for an additional charge.
Buy Out Plan
This pension plan can accept a transfer from another pension plan. It offers a with profits investment, in addition to a wide range of unit linked funds, and aims to provide you with an income and/or a cash sum when you retire.
Annuities
This product provides you with an income for your lifetime. The income you receive from a with profits annuity can go up or down from year to year.
Personal Pension 2000 (only available for additional investments to existing plans)
This pension product offers a with profits investment and a range of unit linked funds. Our Personal Pension 2000 plan can accept regular contributions of as little as £20 a month, single contributions and transfers from other pension plans.
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News library
Here you’ll find all of our previous news articles relating to our with profits fund.
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