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With-Profits

Customers who have with-profits can find out more about how their investment works

With-profits investments are no longer available to new customers and many have valuable guarantees. 

You will lose any investment guarantee that you have if you cash in your with-profits investment early, including transfer, make an investment switch or surrender of your plan.

If you’re a with-profits investor, you can find out more about your investment below:

Information on how your with-profits investment works, including:

  • Definition of a with-profits Investment;
  • Risks involved with with-profits investment;
  • Calculation of annual bonus rates;
  • Final bonus rates;
  • The smoothing process.

Documentation relating to how your with-profits investment is managed, including:

  • Principles and Practices of Financial Management (PPFM);
  • Customer friendly versions of the PPFM (CFPPFMs);
  • Annual report to with-profits investors;
  • With-profits Committee Terms of Reference (ToR).

With-profits fund factsheets which contain key information, including:

  • Investment guarantees, where applicable, for each fund;
  • Current asset profile;
  • Investment performance;
  • Annual bonus rate history;
  • Current final bonus rates and market value reductions;
  • New Generation With-Profits expected growth rates.

Most with-profits investments offer a minimum guaranteed return, subject to conditions. Find out more including:

  • Which investment guarantee applies to you
  • Summary of all our with-profit investment types
  • A brief description of the associated guarantees