The majority of our funds offer three share classes for private investors. This means you can choose the best share class for your investment needs.
- Sterling Class A Shares carry no entry charge and no exit charge. Please note that an ongoing charge will apply. The ongoing charge includes direct costs to the fund, such as the annual management charge, custodian charge and administration fee. For property funds, the specific costs of investing in property will also be included. For information on all of our charges, please refer to our Fund Charges page.
The value of investments will fluctuate, which will cause fund prices to fall as well as rise and you may not get back the original amount you invested. Some funds can invest in assets priced in currencies that differ from the currency in which the fund is valued. Such assets are converted into the fund's currency, therefore, any currency fluctuations will have an impact on the fund's value. We don’t give financial advice, so you should speak to a financial adviser if you need help deciding if an investment is right for you. The views expressed in this website should not be taken as a recommendation, advice or forecast.
- Sterling Class X Shares do not carry an entry charge or exit charge. Please note that an ongoing charge will apply. ‘X shares’ are no longer available for new investment into The M&G ISA and the M&G Junior ISA.
Certain funds have other share classes available for direct investment (outside The M&G ISA, The M&G Junior ISA and The M&G Savings Plan). This may include Sterling Class I Shares, which have minimum investment limits starting from £500,000 depending on the fund.
- Sterling Class R Shares are only available to private investors when you invest via our new online investing service myM&G or through a financial adviser. For more information on these, download the relevant Prospectus or call our Customer Relations team on 0800 390 390.
Remember to specify the fund(s) and share class in which you wish to invest on your application form. Your application may be rejected if it is only partially completed.
Most funds offer the choice of two share types - income or accumulation.
Income shares entitle the holder to be paid the income attributed to those shares on the payment date. This is usually paid twice a year but can be paid annually, quarterly or monthly depending on the fund.
Accumulation shares don’t pay income. Instead, they automatically reinvest any income accruing to the fund and this is reflected in the share price. If a fund only offers Income shares, any net income can be reinvested to buy more shares.
Please read the Important Information for Investors document for more information on share classes. You’ll need Adobe Acrobat to view this document.
The value of investments will fluctuate, which will cause fund prices to fall as well as rise and you may not get back the original amount you invested. Please be aware, your investment may increase or decrease as a result of currency fluctuations.
OEIC investment limits
The table below shows the minimum investment limits for M&G OEIC funds. There is no upper limit to the amount you can invest.
|Minimum investment limits for OEIC funds
|Minimum lump sum
|Minimum additional lump sum