Our Investment Funds

Ethical With-profits Fund

Healthy Investment’s Ethical With-profits Fund aims to provide members with steady growth through a low risk, actively managed fund over a medium to long term, whilst smoothing out the fluctuations in investment markets.

It offers investors a way to invest and save for their future in an ethical and cautious With-profits Fund which allows them to invest in a mix of different assets including government and company bonds, UK and global shares, commercial property and cash deposits, which might be difficult to achieve as a direct individual investor.

We avoid investing in companies in certain industries and those whose activities are not in accord with our members’ personal values. Examples are the tobacco, armaments, alcohol and fur manufacturing industries, gambling and pornography providers and companies that manufacture products or ingredients that have been tested on animals.

We seek to invest in companies that are explicitly involved in activities that benefit society and the environment. Examples are companies that are tackling climate change, promoting a low carbon economy, promoting diversity and equal opportunities, and improving energy efficiency.

Our vision is to invest for a better future, deliver good financial returns and make a difference to society and the environment.

Asset Allocation

The Healthy Investment With-profits Fund invests in a mix of different investment assets including UK and global stocks and shares, fixed interest government and corporate bonds, commercial property and cash deposits.

Diversification reduces risk by allocating investments across various financial assets, and industries. The objective of a diversified portfolio is to optimise returns by investing in different industry sectors, each of which react differently to the same market event.

Although it doesn’t guarantee against loss, diversification is an important element of reaching long term financial goals whilst managing the level of risk.

Balancing a portfolio is quite complicated and potentially more expensive if arranged by direct individual investment and without expert analysis may come with lower rewards.

Different assets such as bonds and shares don’t usually react in the same way to adverse events. A combination of both reduces the sensitivity of a portfolio to market swings because they often move in opposite directions. So by diversifying, adverse movements in one may be offset by positive results in another.

Diversification by location may also be beneficial. Market volatility in USA may not affect investments in the UK and Europe so investing across different locations may minimise and offset the risks of all investments being at home.

Our appointed investment managers ensure that the components of the With-profits Fund are sufficiently diversified to represent a cautious approach to investing our members’ savings and investments.

Asset Allocation

Financial Strength

Important Documents

All Share Unit-linked Life Fund

For Stakeholder Child Trust Funds and All Share ISAs

Fund Objectives

Healthy Investment’s All Share Unit-linked Life Fund aims to provide growth by tracking the performance of the UK All-share index.

It meets the government benchmark for stakeholder Child Trust Funds and enables Child Trust Fund holders over the age of 18 to remain invested in the same fund.

The FTSE All Share index is made up of over 600 of the UKs top companies across a wide range of industries.

Asset Allocation

Unit Price

When the Child Trust Fund was invested with Healthy Investment the initial and any subsequent investments will have purchased a number of units in the fund. Your statement will show how many units you have.

The price of a unit rises and falls with the value of the shares invested in. The unit price as at 01/12/2023 is £1.675.

Important Documents

Ethical Unit-linked Life Fund

For Ethical Child Trust Funds and Ethical Unit-linked ISAs

Fund Objectives

The purpose of the fund is to provide cautious capital growth over the long term. Healthy Investment's Ethical Child Trust Fund invests in a narrower range of stocks and shares than a stakeholder Child Trust Fund.

The fund also includes other investments like corporate and government bonds, property and bank deposits, which are less risky but may offer less opportunity for capital growth over the term of the investment.

The Healthy Investment Ethical Child Trust Fund Unit-Linked Life Fund does not invest your child’s money in companies in the alcohol, arms or tobacco industries and gambling and pornography providers.

Asset Allocation

The Healthy Investment Ethical Unit-linked Life Fund invests in a mix of different investment assets including UK and global stocks and shares, fixed interest government and corporate bonds, commercial property and cash deposits.

Diversification reduces risk by allocating investments across various financial assets, and industries. The objective of a diversified portfolio is to optimise returns by investing in different financial sectors, each of which react differently to the same market event.

Although it doesn’t guarantee against loss, diversification is an important element of reaching long term financial goals whilst minimising the level of risk.

Balancing a portfolio is quite complicated and potentially more expensive if arranged by direct individual investment and may come with lower rewards because the risk is mitigated.

Different assets such as bonds and stocks don’t usually react in the same way to adverse events. A combination of both reduces the sensitivity of a portfolio to market swings because they move in opposite directions. So by diversifying, adverse movements in one may be offset by positive results in another.

Diversification by location may also be beneficial. Market volatility is USA may not affect investments in the UK and Europe so investing across different locations may minimise and offset the risks of all investments being at home.

Our appointed investment managers ensure that the components of the With-profits Fund are sufficiently diversified to represent a cautious approach to investing our members’ savings and investments.

Unit Price

When the Child Trust Fund was invested with Healthy Investment the initial and any subsequent investments will have purchased a number of units in the fund. Your statement will show how many units you have.

The price of a unit rises and falls with the value of the shares invested in. The unit price as at 01/12/2023 is £1.496.

Important Documents

Coventry Assurance Ring Fence Fund

Fund Objectives

When the assets of Coventry Assurance were transferred to Healthy Investment in 2011 they were put into a ring fenced fund to ensure that the members of Coventry Assurance benefit from the investment growth.

The fund aims to provide members with steady growth through a low risk, actively managed fund over a medium to long term, whilst smoothing out the fluctuations in investment markets.

It offers investors a way to invest and save for their future in an ethical and cautious With-profits Fund which allows them to invest in a mix of different assets including government and company bonds, UK and global shares, commercial property and cash deposits, which might be difficult to achieve as a direct individual investor.

The Coventry Ring Fenced Fund does not invest in companies in certain industries and those whose activities are not in accord with our members’ personal values. Examples are the tobacco, armaments, alcohol and fur manufacturing industries, gambling and pornography providers and companies that manufacture products or ingredients that have been tested on animals.

We seek to invest in companies that are explicitly involved in activities that benefit society and the environment. Examples are companies that are tackling climate change, promoting a low carbon economy, promoting diversity and equal opportunities, and improving energy efficiency.

Our vision is to invest for a better future, deliver good financial returns and make a difference to society and the environment.

Asset Allocation

The Coventry Assurance Ring Fenced With-profits Fund invests in a mix of different investment assets including UK and global stocks and shares, fixed interest government and corporate bonds, commercial property and cash deposits.

Diversification reduces risk by allocating investments across various financial assets, and industries. The objective of a diversified portfolio is to optimise returns by investing in different financial sectors, each of which react differently to the same market event.

Although it doesn’t guarantee against loss, diversification is an important element of reaching long term financial goals whilst minimising the level of risk.

Balancing a portfolio is quite complicated and potentially more expensive if arranged by direct individual investment and may come with lower rewards because the risk is mitigated.

Different assets such as bonds and stocks don’t usually react in the same way to adverse events. A combination of both reduces the sensitivity of a portfolio to market swings because they move in opposite directions. So by diversifying, adverse movements in one may be offset by positive results in another.

Diversification by location may also be beneficial. Market volatility is USA may not affect investments in the UK and Europe so investing across different locations may minimise and offset the risks of all investments being at home.

Our appointed investment managers ensure that the components of the With-profits Fund are sufficiently diversified to represent a cautious approach to investing our members’ savings and investments.

Financial Strength

Important Documents