The M&G ISA – get tax-efficientHow do ISAs work?
What funds are available in The M&G ISA?
How can I invest within The M&G ISA?
There are two types of ISA – stocks and shares or cash.
The M&G ISA is a stocks and shares ISA. With a stocks and shares ISA you can:
Please note that prices may fluctuate and you may not get back your original investment. Remember, ISA tax rules may change in the future and the ISA tax advantages depend on your individual circumstances.
M&G’s full range of funds are available in The M&G ISA. You can find details on four of our most popular funds here:
M&G Corporate Bond Fund
M&G Global Dividend Fund
M&G Recovery Fund
M&G Optimal Income Fund
Visit our main website for the full range of funds.
Before investing remember to read the most up-to-date Key Investor Information Document for each fund you wish to invest in, alongside the Important Information for Investors document (3 MB). You will require Adobe Acrobat to view this document.
You may also wish to seek financial advice regarding the suitability of your investment. At M&G, we are not authorised to give advice; if you are unsure about the suitability of your investment, speak to your Financial Adviser, or to find details of advisers in your area please visit unbiased.co.uk
There are three ways to invest in The M&G ISA – online, by phone or by post.
The table below gives you a high-level view of your options
| Online | Phone | Post | |
| Lump sum investment | Yes | Yes | Yes |
| Top up (one-off payment) | Yes | Yes | Yes |
| Invest by Direct Debit | Yes | ||
| Amend an existing Direct Debit | Yes | Yes | Yes |
| Switch funds | Yes | Yes | Yes |
| ISA transfer | Yes |
Lump sum payments can be made via a Switch/Maestro or Delta debit card.
The maximum you can invest in an ISA is £11,280 in the current tax year ending 5 April 2013. This can be comprised of up to £5,640 in a cash ISA, with the remainder in a stocks and shares ISA, or invested entirely in a stocks and shares ISA. M&G offers the stocks and shares ISA only.
| M&G Property Portfolio | All other funds | |
| Minimum lump sum | £1,000 | £500 |
| Minimum additional lump sum | £10 | £10 |
You can set-up a monthly Direct Debit payment into your ISA.
Please note that each fund has a nominated share class and Sterling Class X shares are not available for investment by Direct Debit unless they are the nominated share class. Further information on nominated share classes is covered in the Important Information for Investors document.
| M&G Property Portfolio | All other funds | |
| Minimum monthly amount | £100 | £10 |
| Minimum additional monthly amount | £10 | £10 |
If you have an ISA with another provider you can transfer this to M&G.
We carry out all of the paperwork for you free of charge, however your existing ISA Manager may make a charge for carrying out the transfer.
Please note your current provider may apply a charge when you transfer your investment. Whilst your investment is being transferred it will be out of the market for a short period of time and will not lose or gain in value.
Move or 'switch' between M&G ISA funds without losing your tax benefits if your current M&G fund no longer meets your needs.
Please note that we recommend you confirm any charges applicable to your switch and which day's price you will receive by calling our Customer Relations team on 0800 390 390 prior to making this transaction. We are open 8.00am to 6.00pm from Monday to Friday and 9.00am to 1.00pm on Saturday.
*All calls are free within the UK.
For your security and to improve the quality of our service we may record and monitor telephone calls.
Existing customers will require their M&G client reference when dealing over the phone. Please remember to also quote your name, M&G client reference and sign any written communication to M&G.
Failure to provide this information will affect your ability to transact with us.
