Regular savings plan

Regular savings plans offer a simple way to invest as much as you would like, outside of The M&G ISA.

Whatever your situation in life, it’s never too early to start planning for the future. A regular savings plan can help you maximise potential investment growth in the long term. Investing regularly can help smooth out the ups and downs of the markets.

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.

The M&G Savings Plan

The M&G Savings Plan is designed to help you make regular investments in an M&G OEIC in an account outside The M&G ISA. It gives you the freedom to invest as little as £10 per month.

You don’t need to invest a lump sum up front, but you can top your plan up with a one-off investment and make withdrawals whenever you like.

The M&G Savings Plan could suit you if you:

  • have already used your Individual Savings Account (ISA) allowance for the current tax year
  • want to start investing on behalf of a child outside a Junior ISA
  • want to hold a joint investment*

*An ISA cannot be held in joint names.

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.

Funds available

You can invest in any of the following funds in The M&G Savings Plan. Click on the fund names to find out more about each fund.

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.

Share classes, charges and discounts

Share classes

Only Sterling Class A Accumulation Shares are available if you invest through The M&G Savings Plan.

Sterling Class A Shares ('A Shares') carry no entry charge and no exit charge. An ongoing charge will apply. For information on all of our charges, please refer to our Fund Charges page.

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.

Learn more about share classes by downloading our Important Information for Investors document. You need Adobe Reader to read 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.

Investment limits

The table below shows the minimum investment limits within The M&G Savings Plan. There is no upper limit to the amount you can invest.

Investment minimums (per fund)
By regular Direct Debit By lump sum investment
Initial amount of £10 Initial amount of £500
To-up amount of £10 Top-up amount of £100

Invest now

Before investing, please make sure you have read the Key Investor Information Documents (KIIDs) for the fund(s) in which you wish to invest. There you will find more information about your investment, including details about the fund’s different share classes: be sure to choose the appropriate one for you. The KIID also explains fund charges, including the ongoing charge, a deduction from your fund which M&G makes to cover the costs of investment management and administration.

You should also read the Important Information for Investors document, which includes M&G’s Terms and Conditions.

You’ll need Adobe Reader to view both these documents. 

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.

Once you’ve chosen the fund(s) in which you’d like to invest and have read the relevant KIID(s) and the Important Information for Investors document, you can:

Lines are open from 8.00am to 6.00pm, Monday to Friday and from 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. Failure to provide this will affect your ability to transact with us.

 

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