Our multi-asset funds have been designed to deliver healthy financial returns whilst helping to reduce your investment risk.
As well as aiming to deliver financially, these funds also look to invest your money in companies that will help contribute to a better world. Your money can help find solutions to some of the most urgent issues facing our planet and create a brighter future for the next generation.
Spreading your investment risk across asset classes
There are different types of investments available for investors, for example Shares, Bonds, Property and Cash. These are known as "asset classes".
Different types of assets are likely to perform well at different times.
For example, one year shares may be performing well and bonds may be underperforming. The following year bonds might be outperforming shares. Overall what performs best and worst one year, could be very different the next.
So, the problem is knowing when is a "good time" to invest in a particular asset class. That's why many investors want to spread their money across the different types of assets, to avoid having all their eggs in one basket. This is known as multi-asset investing.
Targeting more consistent returns
Our multi-asset funds have the potential to deliver more consistent returns than a fund invested in a single asset class.
That's because your investment is spread across a variety of assets, and over time the returns are likely to fluctuate less than a fund which only invests in just one type of asset.
As with any investment the value can go down as well as up and you may not get back the amount you put in.
Potential for healthy returns as well as a healthier planet
Our new M&G Sustainable Multi Asset Fund Range looks to invest in companies that have good plans to deal with the long term challenges faced by our society and the natural environment. And invests only in those companies that are sincere and determined to meet those commitments.
How does your money help the planet?
Firstly, when our experts are looking for places to invest your money they must meet certain criteria. Some don't even make it through the first filter like controversial weapons or unethical business practices.
To create a better world while targeting competitive returns, our experts look at environmental factors, things that benefit society and companies with robust controls (for example, fair working conditions). These three areas are known as 'Environmental, Social and Governance (ESG).
A core portion of your money is also invested for impact. This means it's invested in companies, governments or other entities that set out to achieve specific and measurable differences to environmental or societal issues. This goes one step further than ESG because there are specific targets and companies, governments or other entities are held accountable in meeting those targets. They may be things like reducing carbon emissions by a certain amount or funding advancements in medical research helping to combat the world's major health challenges.