The money that's invested in a With Profits investment is pooled with that of other investors. This allows investors to enjoy the potential benefits of investing in a wide-ranging portfolio of shares, fixed interest securities and commercial property that may not be available to them when investing a small amount.

This broad range of investment types helps to spread the risk across different types of assets and helps to provide the potential for a more stable return over the longer term.

The pooling of investments amongst the members of a With Profits fund also allows the costs of investments to be spread. For example if the fund buys a property the costs of this are spread across all the members who are in the fund. This means that the costs are more easily absorbed due to the overall size of the investment.

Find out more about With Profits

View our 2007 Bonus declaration