Your Investment
Healthy Investment's With-profits FundHealthy Investment's Tax Exempt and Standard Savings Plans, Investment Bonds and ISAs invest in the Healthy Investment With-profits Fund. This includes a mix of different assets which are actively managed to maximise the potential for growth whilst managing risk.
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Asset AllocationKey to the success of maximising investment returns for members is the mix of assets that we hold. This changes over time based on the view of the Investment Managers, With-profits Actuary and Board
As at the 31 March 2013 the total fund was held in:
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Fund ManagersTo help ensure members receive the very best possible return we use professional fund managers to actively manage the stocks and shares and fixed interest bond portfolios within the With-profits Fund.
Investec are our appointed fund managers.
We appointed Investec for their global expertise, financial strength and their active approach to both equity and fixed interest trading, in order to identify every opportunity for maximising returns.
The Board constantly monitor their performance. You can find our more about Investec and experience and expertise of working with mutual organisations here. |
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BonusesWith-profits investments grow through the regular bonuses that are added to your investment.
Members may also receive a final terminal bonus to further increase the amount they receive on maturity, death or withdrawal.
Whilst past performance is not a guarantee or guide to future performance we publish our past bonus rates on the website. Bonus rates can change every year and could, in exceptional circumstances, be nil. They depend on investment performance and other factors.
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Once a regular or reversionary bonus has been added to an investment it can never be taken away, providing all future contributions to the plan are maintained. 
Principles and Practices of Financial Management