How We Manage Your Money

 

Healthy Investment is an ethical provider of ethical savings and investment products.

All of our With-profits investments and our Ethical Child Trust Fund never invest directly in companies in the alcohol, arms or tobacco industries and gambling and pornography providers.

 

 

With-profits Fund – Asset allocation

The With-profits Fund includes a number of different assets, including stocks and shares, government and corporate bonds and bank deposits. This ‘mix’ changes over time as we seek to maximise investment returns whilst managing risk. You can find out more about the current allocation by clicking the button.

 

 

 

With-profits Fund – A guide to how we manage our With-profits business

Our customer friendly Principles and Practices of Financial Management gives you important information on how we manage our With-profits Fund. We send it to everyone who requests an illustration or you can download a copy.

 

 

 

With-profits Fund – Principles and Practices of Financial Management

This technical document explains how we manage our With-profits Fund and gives important information on how we manage our investments and calculate bonuses.

 

 

 

 

The Board's report to its With-profits policyholders 2016

The Financial Conduct Authority require us to publish this report to explain how we have complied with the PPFM and how the Board has exercised its discretion and managed conflicts of interest.

 

 

Coventry Assurance Society

In October 2011 Healthy Investment accepted a transfer of all the policies and members of Coventry Assurance Society. You can find out more about the transfer and how we manage these funds, which we keep in a separate ring fenced fund.

 

 

 

 

 

 

 

 

 

Stakeholder Child Trust Fund – Unit price

Each week we calculate the price of units within the Stakeholder Child Trust Fund. The price as at 06/10/17 is £1.480  per unit. Your last Child Trust Fund statement will show the number of units currently allocated to your Child Trust Fund. For further information or to top up your Child Trust Fund click the button on the right.

 

 

 

 

 

Ethical Child Trust Fund – Unit price

Each week we calculate the price of units within our Ethical Child Trust Fund. The price as at 06/10/17 is £1.557 per unit. You can find out more about our Ethical Child Trust Fund and how to make additional contributions by clicking the button on the right.

 

 

Unit-linked Funds - A guide to how we manage our Unit-linked funds

Our customer friendly guide to how we manage our Stakeholder Child Trust Fund Equity Unit-linked Life Fund and our Ethical Child Trust Fund Unit-linked Life Fund explains more about how we operate the funds and calculate the price of units.

 

 

 

 

 

 

 

External Fund Managers

To maximise the potential for growth Healthy Investment uses professional investment managers to manage the stocks and shares and government and corporate bond portfolios of the With-profits Fund and Ethical Child Trust Fund. The Society currently uses Investec, based in London, who actively manage the portfolios to ensure that they perform. You can find out more about Investec, their approach to investments and their ethical stance.

 

Our Stakeholder Child Trust Fund uses Legal and General's All Share Tracker Fund to ensure that there is the wide diversity of stocks and shares required by the government. You can download the latest fund factsheet from Legal and General.