You can choose from our range of unit-linked funds.
Which funds you choose will depend on your needs and attitude to investment risk:
Cash Fund
Investment Focus
The objective of this fund is to provide a high level of capital security plus a similar return to those on offer from cash deposit accounts.
Risk and Reward Scale
All our savings and investments are risk rated to help you choose something you feel comfortable with. Here's how this fund rates:
| Your attitude to risk |
Product risk profile |
Volatility |
| 1 |
Very Low |
Low |
This bond is suitable for a very cautious investor.
This means you:
- You are willing to take a minimal amount of risk only. You do not want to lose any of your capital. You prefer to keep your money in cash based deposits. You understand and accept that inflation could erode the value of your money over time.
To find out more about Risk and Reward, go to our Risk and Reward page or download our Risk and Reward leaflet (Printed copies are also available on request).
Gilt and Fixed Interest Fund
Investment Focus
The objective of this fund is to achieve a modest return by investing mainly in Government and corporate bonds.
Risk and Reward Scale
All our savings and investments are risk rated to help you choose something you feel comfortable with. Here's how this fund rates:
| Your attitude to risk |
Product risk profile |
Volatility |
| 2 |
Low |
Low/medium |
This plan is suitable for a cautious investor.
This means you:
- You are only willing to take low levels of risk. You are prepared to accept the potential for only a small amount of capital growth for the greater security of your money. You understand that you could still lose money on a “Low Risk” investment.
- You understand that Teachers Assurance regard a “Low Risk” investment as one which typically invests:
- Up to 20% in equity markets (company shares) and the remainder in Gilts, Corporate Bonds and Cash or;
- Up to 60% in equity markets (company shares) and property with the remainder in Gilts, Corporate Bonds and Cash, but also carries a money-back guarantee on a set date (conditions apply).
To find out more about Risk and Reward, go to our Risk and Reward page or download our Risk and Reward leaflet (Printed copies are also available on request).
Managed Fund
Investment Focus
The objective of this fund is to achieve medium to long-term capital growth that outperforms inflation. It aims to hold a broad range of shares both from the UK and abroad, Government and corporate bonds as well as cash.
Risk and Reward Scale
All our savings and investments are risk rated to help you choose something you feel comfortable with. Here's how this fund rates:
| Your attitude to risk |
Product risk profile |
Volatility |
| 3 |
Medium |
Medium |
This plan is suitable for a balanced investor.
This means you:
- You are willing to take a moderate amount of risk. You accept that there will be fluctuations in the value of your investment and that you need to remain flexible about when to cash in your plan, unless the plan carries a money-back guarantee on a set date (conditions apply). You understand that you could lose money on a “Medium Risk” investment.
- You understand that Teachers Assurance regard a “Medium Risk” investment as one which typically invests:
- Between 60 - 70% in equity markets (company shares) and property with the remainder in a combination of Gilts, Corporate Bonds and Cash.
To find out more about Risk and Reward, go to our Risk and Reward page or download our Risk and Reward leaflet (Printed copies are also available on request).
What type of investment is this?
