Fund prices & research
Fund in focus18 Jul - 25 Jul 2014
Featured in the latest Investment Times
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Most viewed funds today
Most popular index tracker funds
|1.||SWIP FTSE All Share Index (SWIP Foundation Growth)|
|2.||Vanguard US Equity Index|
|3.||Vanguard LifeStrategy 60% Equity|
|4.||HSBC FTSE 100 Index|
|5.||Vanguard FTSE Developed World ex-UK Equity Index|
Thu 24 July 2014
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Frequently Asked Questions
- What is a fund?
A fund is a type of collective investment scheme. Investors' capital is pooled together and managed by a professional fund manager, and each investor is issued units in the fund, representing the proportion of the underlying investments they own.
- Why invest in funds?
Funds are popular with investors because they offer access to a ready-made investment portfolio run by an expert in their field. You can normally invest from £500 or £50 per month, and get instant access to a diversified portfolio for a much lower cost than purchasing the individual investments yourself.
- How do I buy funds?
Once you have opened an account, it is straightforward and secure to place a deal. Please ensure you have read the fund's Key Investor Information Document first which is available from the individual fund factsheets on the website.
1. Log in or call our experienced dealers
Log in to your secure online account or call our experienced dealers on 0117 980 9800.
3. Choose your investment and deal value
Find your fund online and enter the value you're looking to invest. Alternatively, provide your dealer with these details by telephone. When dealing online, you will also need to enter your trading password.
4. Confirm the deal
The details of the deal will be provided for you to check. Confirm you're happy with the fund name and value to be invested and the deal is done. We will send you a contract note either by post or you can download it online - whichever you prefer.
- What is the difference between 'inclusive' and 'unbundled' funds?
In the past most investors who held funds, such as unit trusts and OEICs, paid a single annual management charge to the manager of their chosen funds. This charge often included an element of commission which the fund manager shared with brokers, such as Hargreaves Lansdown, to help pay for their service. We call these funds 'inclusive' funds.
New FCA rules mean annual management charges of funds purchased after 6 April 2014 do not include commission to help pay for services such as Vantage. As a result of the FCA's new rules, fund management groups have launched new versions of their funds with lower annual management charges. We call these 'unbundled' funds.
Our fund charge comparison tool allows you to quickly and easily see the annual charges and savings for existing (inclusive) funds and the new unbundled version to help you decide if you would be better off by converting.
- What is the difference between income and accumulation units?
The type of unit you hold determines how any income generated from the fund's underlying investments is treated.
With income units, income is paid out to fund holders as cash. This could provide the investor with an income stream or the cash could be reinvested to buy additional units.
With accumulation units income is retained within the fund and reinvested, increasing the price of the units. Generally, for investors who wish to reinvest income, accumulation units offer a more convenient and cost-effective way of doing so.
- What is the historic/distribution/underlying yield?
The historic yield is calculated by looking at the income the fund has paid over the last year and dividing it by the latest unit price.
The distribution yield is an estimate of the income that may be expected to be received over the next twelve months divided by the current unit price and based on a snapshot of the portfolio on that day. It does not include any charges.
The underlying yield is calculated in much the same way as the distribution yield, but also includes the effect of any deduction of expenses.
See our free Guide to Fund Prices, Savings & Yields for a more detailed explanation.