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When you invest in the Portfolio Investment Plan, your money buys shares in one or more funds within an NFU Mutual OEIC (Open-Ended Investment Company).
The Portfolio Investment Plan 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 so you may not get back what you invested.
As well as investing in the Government of the United Kingdom and Northern Ireland, the fund may invest in Government and other public securities of the following European Economic Area (EEA) States:
Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Netherlands, Portugal, Spain and Sweden and, in addition, the Governments of Australia, Canada, Japan, New Zealand, Norway, Switzerland and the United States of America.
You must be aged 18 or over to apply for your own Portfolio Investment Plan. Alternatively, an individual over the age of 18 can invest in a Plan on behalf of a child.
You can invest via lump sums or regular contributions. Any lump sum investment must be at least £1,000 (including top-ups), there is no maximum investment limit.
The minimum regular contribution is £25 per month.
You can stop, restart, increase or decrease your regular payments at any time.
Yes. You can write to us at any time and cash in some or all of your shares but, if you do not surrender them all, you must currently leave at least £1,000 invested and the withdrawal itself must be at least £500.
If you cash in your investment, you may not get back what you have invested.
You will receive two statements a year showing all transactions since your last statement and the number and value of your shares.
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.
Yes. You can choose to take the income generated if you wish. Alternatively, the income will automatically be reinvested into the fund from which it was generated. The level of income can rise and fall and is not guaranteed.
There are nine funds to choose from:
Risk Rating: Medium/High
Objective: The investment objective of the Adventurous Portfolio Fund is to provide high long-term capital growth.
Policy: The Adventurous 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 the funds of N.F.U. Mutual Unit Managers Limited and these other funds, the fund will gain exposure to UK and International equities typically with 40%–60% in UK companies, 40%–50% in International equities and the remainder in fixed income securities, cash and money market instruments. The high equity content is intended to achieve an appropriate balance between risk and reward.
Risk Rating: Medium
Objective: The investment objective of the Balanced Portfolio Fund is to produce long-term capital growth and moderate income.
Policy: The Balanced 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 the funds of N.F.U. Mutual Unit Managers Limited and these other funds, the fund will gain exposure to UK and International equities with approximately 25% in fixed income stocks and cash. The fund will typically maintain 40%–50% of its exposure in UK companies and 25%–35% in International companies with the balance in fixed income and cash.
Risk Rating: Low/Medium
Objective: The investment objective of the Cautious Portfolio Fund is to generate some potential long-term capital growth and stable income.
Policy: 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.
Risk Rating: High
Objective: To achieve long-term capital growth through diversified exposure to emerging
markets of the world.
Policy: 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.
Risk Rating: Medium/High
Objective: To achieve long-term growth through investment in any country and in any economic sector of the world.
Policy: Although investments will be made in any country, the fund is biased towards the world’s major equity markets, particularly North America, Europe and Japan. The fund will invest mainly in equity securities. The fund may use financial derivatives but only for hedging or efficient portfolio management purposes.
Risk Rating: Medium/High
Objective: To achieve long-term capital growth with a moderate but growing income, by maintaining a portfolio mainly of high quality UK ordinary shares in investment sectors where opportunity for growth is most favourable.
Policy: The fund will invest in ordinary shares and convertible stocks of UK companies. The fund may use financial derivatives but only for hedging or efficient portfolio management purposes.
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 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.
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). Corporate bonds and other securities purchased by the fund will be of investment grade. The fund may use financial derivatives but only for hedging or efficient portfolio management purposes.
As well as investing in the Government of the United Kingdom and Northern Ireland, the fund may invest in Government and other public securities of the following European Economic Area (EEA) States: Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Netherlands, Portugal, Spain and Sweden and, in addition, the Governments of Australia, Canada, Japan, New Zealand, Norway, Switzerland and the United States of America.
Risk Rating: Low
Objective: To provide capital protection with some income.
Policy: Investing cash balances on deposit with not more than 20% in any one institution, with the ability to invest in near-cash instruments to increase yield where required. The fund will not be able to invest in the NFU Mutual Gilt and Corporate Bond Fund. The fund may use financial derivatives but only for hedging or efficient portfolio management purposes.
The fund will invest principally in deposits.
Yes. You can switch your investment to a different fund at any time. There is currently no charge for this. If you want to switch only part of your investment, a minimum of £500 must be switched. You should be aware that switching could trigger a potential liability to Capital Gains Tax.
Yes. If you instruct us we will automatically move an amount equal to your full ISA allowance into your NFU Mutual Stocks & Shares ISA.
Full details of this plan can be found in the Portfolio Investment Plan Simplified Prospectus which should be read and understood before you decide to proceed with any purchase.
If you want to obtain a free copy of the simplified or full prospectuses (in English) or the annual and half-yearly reports of the NFU Mutual OEICs at any time:
Call us on 0870 606 6462 during normal working hours Monday – Friday. We may record telephone calls for training and monitoring, or for security purposes. Or, write to us at: N.F.U. Mutual Unit Managers Limited, BNY Mellon House, Ingrave House, Brentwood, Essex, CM15 8TG.
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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