Why Invest

Exploiting the investment lag

With-profits policies provide smoothed growth by using reserves built up in good years to support returns in leaner years. Smoothing creates an investment lag and so the strong recovery in recent years has only just started to be passed on to policyholders through increased bonus rates.

This means that now is an ideal time to invest in with-profits in order to maximise capital growth.

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Release the hidden value in with-profits

Most with-profits funds are now closed for new business so the market is entering a long slow run off phase. This means that all existing reserves will be shared amongst the remaining investors.

Many with-profits funds have additional surpluses that have been built up over many years. Distribution of the existing reserves and of these ‘orphan' assets should further boost returns over the coming years.

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Shares in the Endowment Growth Fund (EGF) are single priced with no bid/offer spread. Class A shares are offered in GBP and class B shares are offered in GBP, USD or EUR. Returns may be affected by fluctuations in currency exchange rates. The valuation date is the 15th of each month. Class A share prices appear under InvestmentPlus plc in the FT Managed Funds Service. The value of shares may fall or rise each month, this means that your capital is at risk when investing in EGF. This investment should be regarded as medium to long term in nature. If you withdraw from this investment in the first 5 years, exit penalties may be applied. It is only suitable for professional investors who understand the risks involved and investment should not be made prior to reading the prospectus. If in doubt seek expert advice. Nothing contained within this document constitutes investment advice or an offer to subscribe.

The Endowment Growth Fund (EGF) is the first sub-fund of InvestmentPlus plc, which is regulated by the Irish Financial Services Regulatory Authority. Registered in Ireland No. 289965. Registered office 39/40 Upper Mount Street, Dublin 2, Ireland. EGF is distributed by PolicyPlus International plc which is authorised and regulated by the Financial Services Authority and is a member of the Association of Policy Market Makers. Registered in England No. 2392989. Registered office King’s Court, Bath, BA1 1ER, England.