The right funds for you
A world of funds from leading investment managers
An investment plan is only as good as the funds you put in it. That’s why we’ve partnered with two of the world’s leading investment managers – Investec Asset Management and Vanguard – to build our range of Vitality funds. We also offer a wide selection of non-Vitality funds from other leading providers.
Our fund range has been designed to offer solutions to a wide range of needs. These include solutions focused on generating growth, providing sustainable income and focusing on careful risk management (including preserving capital).
The Vitality fund range
We have two types of Vitality fund to which you can link your policy in order to prioritise income or growth at different levels of risk. All of these funds will make you eligible for Vitality Boosters and Discounts.
Performer funds - 10 high-conviction funds, actively managed by Investec, designed to outperform their benchmark
Risk Optimiser funds - 5 multi-asset risk-targeted funds using Vanguard index-tracking funds to obtain exposure to each asset class
The Performer funds
These are high-conviction funds, actively managed in partnership with Investec, designed to outperform their benchmark. The Performer range consists of:
|Multi-Asset Moderate||Actively grow money by investing across a wide range of global assets, while aiming to stay within a low to medium risk profile.|
|Multi-Asset Balanced||Actively grow money by investing across a wide range of global assets, while aiming to stay within a medium risk profile.|
|Multi-Asset Growth||Actively grow your money by investing across a wide range of global assets, while aiming to stay within a medium to high risk profile.|
|Dynamic Multi-Asset||Deliver strong long-term returns by investing in a flexible way, in diversified, global investments. This includes actively choosing how much risk to take depending on market conditions|
|Targeted Absolute Return Bond||Invests in bonds from around the world. A bond is a loan made by investors to a company or government. These funds aim to deliver steady returns, while giving you some protection against any fall in the bonds’ value.>|
|UK Listed Equity Growth||Deliver long-term growth by investing in UK-listed companies which are considered quality businesses with strong financials and management.|
|Global Equity Growth||Long-term growth from a high-conviction global portfolio. High-conviction funds invest in a small number of companies that the fund managers know well and believe could deliver strong, long-term returns.|
|Multi-Asset Income||Sustainable income with lower levels of risk than equities, by investing across a wide range of assets.|
|UK Listed Equity Income||Give investors a sustainable income, and the opportunity for capital growth, by investing in high-quality UK businesses.|
|Global Equity Income||
Deliver income from a high-conviction global portfolio. High-conviction funds invest in a small number of companies that the fund managers know well and firmly believe could deliver strong returns and yields.
Risk Optimiser funds
Five multi-asset risk-targeted funds, using Vanguard index-tracking funds to gain exposure to each asset class. Each fund is carefully designed with a mix of assets aiming to optimise returns based on each fund’s level of investment risk. The funds invest in a diversified portfolio of index-tracking funds across a range of asset classes and geographies. We closely monitor the funds daily and rebalance them when required to ensure they stay strictly in line with their investment risk levels.
Each fund aims to deliver long-term returns through income and capital growth, while remaining within a risk profile on a scale of one to ten:
|VitalityInvest Risk Optimiser Fund 3|
|VitalityInvest Risk Optimiser Fund 4|
|VitalityInvest Risk Optimiser Fund 5|
|VitalityInvest Risk Optimiser Fund 6|
|VitalityInvest Risk Optimiser Fund 7|
|Any information given here should not be taken as advice and is not intended as a personal recommendation to invest in a particular product. To find the best investment for you, speak to a financial adviser. You should also regularly assess your existing investments, to make sure they meet your attitude to risk and investment goals at the time.|
Your questions answered
Can I change the funds I invest in?
Do I have to invest in Vitality funds
This is why we also offer access to over 250 third-party funds from over 20 leading fund managers, aiming to cover popular and well-known funds
Explore our full fund range.
What are the fund charges?
The OCF for VitalityInvest Investec funds ranges from 0.88% p.a. to 1.03% p.a. For Risk Optimiser funds it’s typically 0.40% p.a. The charges for non-Vitality funds vary and are defined by the individual fund managers. For more details, see the relevant fund's fact sheet.
In addition to fund charges, there’ll be product charges
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