S Confident Income&Growth
Funds Package Details - Confident Income & Growth
 
  Investment Objective
Growth Funds
  This package has been designed to focus on capital growth while providing income. The risk profile of the basket is lowered by placing a relatively high proportion of investments into Fixed Income funds, both of which provide income which is regularly paid to investors. By maintaining the balance between equities, and fixed income, a medium risk profile is maintained.

Each of the funds has a creditable track record against its peers and has been chosen for its potential to perform in the economic conditions that we expect over the medium term. However you should remember that their past performance is not an indication of how they will perform in the future.

  
Fund Factsheets
Schroder UK Alpha Plus (Acc)  
Investec American (Acc)  
Standard Life AAA Income (Inc)  
Fidelity Moneybuilder Income (Inc)  
Simplified Prospectus (Download PDF)
Schroder UK Alpha Plus (Acc)  
Investec American (Acc)  
Standard Life AAA Income (Inc)  
Fidelity Moneybuilder Income (Inc)  
Glossary of financial terms
Glossary  

Funds Glossary

  

 

Schroder UK Alpha Plus (Acc)

40%

 

Standard Life AAA Income (Inc)

20%

Investec American (Acc)

20%

Fidelity Moneybuilder Income (Inc)

20%

 

 
If you are uncertain about the suitability of funds or funds packages as an investment, you should seek financial advice.
  How the funds were chosen
 

The investment research team includes analysts who specialise in monitoring and selecting funds. The team has reviewed the current selection of funds on the market. From those funds, our specialist analysts have chosen a combination of four complementary funds which meet this package's investment objectives.

Funds should be viewed as a mid to long term investment. If you're not prepared to invest in a fund for more than 5 years, then it might not be the right investment for you. The value of funds and income that they generate can fall as well as rise and you may get back less than you invested.

  
 
  Charges
  • Maximum Initial Charge of 1.5% per fund. No further charges applied for buying a Funds Dealing Package
  • We don't pass on a charge for our selection expertise
  • Minimum Investment Amount £1,000

Disclosure of inducements – when we invest in a fund on behalf of a client, we may receive remuneration from the Fund Manager in two forms:

  • We may receive a share of the Initial Service Charge (ISC) applied by a Fund Manager.  On a Funds Market fund, this will be a maximum of 1.5%.  For non-Funds Market funds this will vary on a per fund basis and be a % of the standard ISC applied by the Fund Manager.  This will be detailed on the contract note.
  • We may receive trail commission from the fund manager.  If we do, this will be a % of the standard Annual Management Charge (AMC) applied by the Fund Manager. 

Details of any remuneration received are available on request.  More information on how remuneration is calculated can be found in our

charges and remuneration guide.

 
  Key Benefits
  • Simplified Investment Choice - instead of choosing from over 600 funds in our Funds Market choose from 1 of 9 packages
  • Accessibility - you can buy a Funds Dealing Package through any of our accounts
  • ISA - invest your full ISA allowance into funds and pay no administration charge
 
  Further Funds Package Information
 

When you invest in a Funds Dealing Package, you've actually invested in four separate funds. We'll place 4 fund trades for you and you'll receive 4 contract notes. When you access your 'Account View' you will see the 4 funds as separate funds holdings. The package name won't appear.

If you choose at any point to sell any of the funds held these will be treated as individual sales. You cannot sell the package as a whole. And because the funds are all selected from our Funds Market range, we wont charge you any commission for your sale.

We don't provide a tool that tracks the ongoing performance of the package. Instead you can track the performance of each individual fund using our funds research provided by Financial Express. You can access the individual fund factsheet for each of the constituent funds by clicking on the fund name in the pie chart above.

We recommend that you read our Funds Dealing Package disclosures before you trade.

Disclosures  view our disclosure information
 

What Next?

You can trade our Funds Dealing Packages through any of our accounts, just log in and go to the Deal Funds option in our Deal section. If you don't already have an account you can use our fast track account opening and Open an account today.  Once you've opened an account, you can login and invest in a Funds Dealing Package.

For more information or if you want to invest in a Funds Dealing Package over the telephone, call 0845 900 3002 *

*0845 calls to Saga Share Direct are charged at local rates; 0870 calls are charged at national rates. You can only use this number if you are calling from the UK. Dial +44 141 352 3939 if you are calling from abroad. For your protection and ours, to check instructions and maintain high quality service standards, we may record and monitor calls made to or from Saga Share Direct.