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When you invest money into the NFU Mutual Flexibond you buy units in one or more of ten funds available to choose from. This enables you to tailor your investment to your own needs and requirements. More information on the funds available can be found further down this page.
The Flexibond is a medium to long-term investment, designed to be held for 5 years or more, and its value can go down as well as up and you may not get back what you invested.
To take out a policy you must be aged over 18 and less than 85 years old.
You can invest a lump sum, make regular contributions or a combination of the two.
Currently, the minimum lump sum investment is £1,000, and this is also the minimum additional investment you can make.
Regular contributions can be made monthly, minimum £25 per month, or annually subject to a minimum of £300 per annum, paid by direct debit.
You can stop, restart, increase or decrease your regular payments at any time.
Yes. You can make one-off withdrawals by writing to us. You can also take regular withdrawals to supplement your income on a monthly, quarterly, half yearly or annual basis.
Surrender penalties may be applied if you take withdrawals within three years of making an investment.
The minimum amount you can withdraw is currently £100, and a minimum balance of £500 must remain in your policy.
You will receive an annual statement which will show you the value of your investment and tell you about its performance.
You can request an illustration of potential benefits by calling our Customer Services Team free on 0800 622 323.
The actual amount will, however, depend on the performance of your chosen fund(s) and any withdrawals made.
There are ten Flexibond funds to choose from. You can invest in one or more of them to spread your risk. Information about the risk rating for each fund is available in the key features document for this investment.
Risk Rating: Medium/High
Objective: To maximise long-term growth from the investment.
Policy: To invest in one or more of our other funds with a view to maximising the long-term return. The mix of funds is managed and regularly monitored by our investment team. The fund is mainly exposed to UK and overseas equity markets and will therefore reflect the unpredictability of those markets, but could also be invested in other assets.
Risk Rating: Medium
Objective: To achieve balanced long-term growth.
Policy: To invest in a combination of our other funds to maintain a spread across types of investment. The mix of funds is managed and regularly monitored by our investment team. The fund will be exposed to the world's investment markets.
Risk Rating: Low/Medium
Objective: The investment objective of the Cautious Managed Fund is to generate some potential long term capital growth and stable income.
Policy: The Cautious Managed Fund invests in the NFU Mutual Portfolio Funds OEIC Cautious Portfolio Fund, managed by N.F.U. Mutual Unit Managers Limited. The Cautious Portfolio Fund will invest principally in other funds managed by N.F.U. Mutual Unit Managers Limited with the balance invested in third party funds with compatible objectives. It is intended that through N.F.U. Mutual Unit Managers Limited funds and these other funds, the fund will gain exposure to a mix of UK and International equities, fixed income stocks, cash and property. The fund will typically maintain 25% – 35% exposure to UK companies and a similar proportion in fixed income stocks with the balance in International equities, property and cash.
The charges and tax for the Flexibond Cautious Managed Fund are different to those for the NFU Mutual Portfolio Funds OEIC Cautious Portfolio Fund. This means that the prices quoted in the press or marketing literature will be different. However, the amount you will receive is directly linked to the performance of the NFU Mutual Portfolio Funds OEIC Cautious Portfolio Fund.
The NFU Mutual Portfolio Funds OEIC Cautious Portfolio Fund will invest in assets some of which themselves have annual management charges. The effect of these charges, which may change over time, is reflected in your illustration, and is currently estimated to be 0.09% per year.
Risk Rating: Low/Medium
Objective: We invest your money with the aim of achieving long term growth. Returns on your investment are smoothed out over time, as we keep back some of the growth from good years to boost returns in poor years. Although returns are smoothed, values can still change sharply, so it’s not suitable as a short term (0-5 years) investment.
Policy: We invest your money, together with that of all of our With-Profits policyholders, in a wide range of investments including shares, commercial property, government securities and corporate bonds. At least once a year we decide whether we can add a bonus, and if so how much. We don't guarantee the size of future bonuses because they depend on any future profits we might make. We may have to cut bonus rates in future.
If we decide to add a bonus, we increase the price of the With-Profits Fund units. When you cash in units or transfer part of your investment from the With-Profits Fund into one of the other funds, we may add a final bonus to reflect the overall growth in your fund.
The value of your investment may be reduced to reflect market conditions on full or partial withdrawal, at any other time other than the policyholder's death. This reduction is called a Market Value Reduction (MVR) and is most likely to happen following a large or prolonged fall in the stock market, or after a period where investment returns are regularly below the level we normally expect.
Risk Rating: High
Objective: To achieve long-term capital growth through diversified exposure to emerging
markets of the world.
Policy: The Global Emerging Markets Fund invests in the NFU Mutual OEIC Global Emerging Markets Fund, managed by N.F.U. Mutual Unit Managers Limited, to achieve long term capital growth by investing 80% or more of the assets directly or indirectly in emerging markets as defined by the World Bank, without geographical restriction. The fund will invest mainly in equity securities. The fund may use financial derivatives but only for hedging or efficient portfolio management purposes.
The charges and tax for the Flexibond Global Emerging Markets Fund are different to those for the NFU Mutual OEIC Global Emerging Markets Fund. This means that the prices quoted in the press or marketing literature will be different. However, the amount you receive is directly linked to the performance of the NFU Mutual OEIC Global Emerging Markets Fund.
The NFU Mutual OEIC Global Emerging Markets Fund will invest in assets some of which themselves have annual management charges. The effect of these charges, which may change over time, is reflected in your illustration, and is currently estimated to be 0.03% per year.
Risk Rating: Medium/High
Objective: To provide long-term growth by investing overseas.
Policy: To invest in a number of stocks throughout the world. The fund is biased towards the world's major equity markets. Investments can also be made in the smaller markets, which can be more unstable, but can also produce good returns.
Risk Rating: Medium/High
Objective: To provide long-term growth by investing in UK quoted company stocks and shares.
Policy: The portfolio invests predominantly in blue-chip companies.
Risk Rating: Medium/High
Objective: To achieve increasing income with some capital growth by investing in the shares of a range of UK companies listed on the London Stock Exchange and operating in those market sectors forecast to generate stable and growing income.
Policy: The UK Equity Income Fund invests in the NFU Mutual OEIC UK Equity Income Fund managed by N.F.U. Unit Managers Limited. The fund will invest at least 80% of its assets in equities quoted on the UK stock market with a target net of tax yield on the underlying portfolio of at least 110% of the FTSE All Share yield. The fund may use financial derivatives but only for hedging or efficient portfolio management purposes.
The charges and tax for the Flexibond UK Equity Income Fund are different to those applied to the NFU Mutual OEIC UK Equity Income Fund. This means that the prices quoted in the press or marketing literature will be different. However, the amount you receive is directly linked to the performance of the NFU Mutual OEIC Equity Income Fund.
Risk Rating:Low/Medium
Objective: To provide a return from a portfolio investing mainly in gilts and investment grade corporate bonds.
Policy: The fund will invest in a portfolio of bonds and other fixed and floating rate securities denominated mainly in sterling and issued by governments, government agencies, supra-national and corporate issuers (including preference shares).
Risk Rating:Low
Objective: To maintain capital stability by investing in secure UK money market accounts. The fund is an ideal temporary haven for your money while you're deciding where to invest it for the longer term. The fund isn't intended as a long-term investment.
Policy: To place money on short-term deposit in the UK money markets to get competitive rates of interest. The return will reflect the short-term interest rates in the money markets.
Yes. You can switch your investment from one fund to another at any time, although in exceptional investment conditions NFU Mutual reserves the right to delay switches.
Full details of this policy can be found in the Flexibond Key Features Document which should be read and understood before you decide to proceed with any purchase. This can be requested via our contact us page or by calling 0800 622 323.
For security and training purposes, telephone calls may be recorded and monitored. Your enquiry may result in a call from an NFU Mutual Financial Consultant or Customer Telephone Adviser who advises on NFU Mutual's products and services and in special circumstances those of other providers.
Note* NFU Mutual Financial Consultants advise on
NFU Mutual products and services and in
special circumstances those of other
providers.
** For security and training purposes calls may
be recorded and monitored.
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