1. Investing with M&G
This document contains important information,
so please keep it in a safe place.
Making the most of your
M&G investment
2. Your information pack
Thank you for investing with M&G. This brochure contains information about your investment, the documentation
enclosed with this brochure and details on the high standard of service and support you will receive from us. Please
keep all this documentation in a safe place. Below is a summary of the different documents you will have received
accompanying this brochure.
Investment acknowledgement
Your Direct Debit details – if this applies to you
Your acknowledgement confirms the details of your new
M&G investment. Please ensure that all the information
is correct. If it is not, please call our Customer Relations
team free of charge on 0800 390 390, from 8.00am
to 6.00pm Monday to Friday, and 9.00am to 1.00pm
Saturday.
• Fund information – This shows the fund(s) which
is/are due to receive your regular payment(s) and
the amount to be invested
Page 1: Your investment summary
• Your name and address
• Your M&G client reference – When you contact
us we will need your M&G client reference. This can
be found on the right-hand side of your investment
summary. Failure to provide this will affect your
ability to transact with us
• Investment details – The rest of this page
confirms the details of your investment and will
vary according to the type of investment (M&G
ISA, M&G Junior ISA, M&G OEIC or M&G Savings
Plan) and the payment received (lump sum and/or
Direct Debit) or the final settlement you are due to
pay (including the date this is due)
Page 2: Details of your investment
Lump sum – if this applies to you
• Transaction date – This shows the date your
money was invested
• Transaction description – This shows the fund(s)
you have invested in and the type of transaction
you have made
• Shares – This tells you how many shares were
purchased in the transaction
• Share price – This shows the price at which your
shares were bought
• Amount (£) – This shows the lump sum amount
you have invested, even if you have yet to settle
• Bank/Building society details – This shows the
account details for your Direct Debit payment
M&G Registration Document
If you have invested in an M&G OEIC over the telephone,
you will also have received the M&G Registration
Document with this pack. This form is used to confirm
all the named holders you wish to be registered on this
account and to verify your signature. Please complete,
sign and return this form to us in the reply-paid envelope
provided, along with a settlement cheque made payable
to M&G Securities Limited if required. Please note that if
you are investing on behalf of a child or grandchild, then
you can ‘designate’ the account using the child’s initials
(for example) but not a complete name.
Reply-paid envelope
Please use this to contact us in writing and/or send your
settlement cheque and M&G Registration Document
(if applicable).
If you have any questions about your investment
with M&G, please do not hesitate to contact our
Customer Relations team on 0800 390 390.
For M&G Junior ISAs
If you are the Registered Contact for an M&G Junior
ISA investment, you will have received the above
documentation on behalf of the child.
Please note that M&G Junior ISA Registered Contacts
cannot use ‘My Account’ at this time. Where ‘My
Account’ is referenced throughout this brochure,
please contact our Customer Relations team to find
out how you can complete the transaction for an M&G
Junior ISA holding.
Making the most of your M&G investment
3
3. Keeping you in the picture
Access your account 24 hours a day,
seven days a week
If you haven’t already done so you can now register
for our secure online ‘My Account’ service by visiting
www.mandg.co.uk/myaccount Then, whenever it is
most convenient, you can:
• keep track of your fund’s performance and view
the daily prices of all your M&G investments
using our online valuation service 24 hours a day,
365 days a year.
• invest in or top up an ISA, OEIC or Savings Plan
investment, or even switch between M&G funds.
• access ‘My Portfolio’ – a tool which enables you
to track the value of all your investments in one
place, be they with M&G, other fund providers or
even direct share holdings.
M&G Customer Relations
At M&G we aim to make investing as straightforward
as possible. Should you have any questions, please
call our Customer Relations team on 0800 390 390.
Our lines are open from 8.00am to 6.00pm Monday
to Friday, and 9.00am to 1.00pm Saturday and calls
are free of charge. Alternatively, contact your financial
adviser.
For your security and to improve the quality of our
service, we may record and monitor telephone calls.
Please quote your M&G client reference (shown on
your investment acknowledgement) whenever you
contact us about your investment. Failure to provide
this will affect your ability to transact with us.
Regular updates
ISA, OEIC and Savings Plan statements are prepared
semi-annually as at 5 April and 5 October. Your
statement will include any transactions that have
taken place on your account over the previous
six-month period.
If you are the Registered Contact for an M&G Junior
ISA investment, you will receive regular statements
that will include any transactions that have taken
place on the account over the relevant time period.
For OEIC and Savings Plan investments, we will send
you fund reports every six months. We will also send
you Consolidated Tax Vouchers on an annual basis
with your 5 April statement. For more information
on this, or to find out the value of your investment
at any given time, call our Customer Relations team
on 0800 390 390.
Prices of all M&G’s funds are available on our website
at www.mandg.co.uk/prices
4
Making the most of your M&G investment
Review the M&G
fund
range and top up your
investment online at
your convenience. To
find out more, visit:
www.mandg.co.uk
4. Adjusting your M&G investment
One of the greatest advantages of investing with
M&G is the flexibility. Your investment can simply be
adjusted to suit your changing needs. You can...
…add to your investment
You can add to your investment at any time by
making additional lump sum payments. Please visit
our website at www.mandg.co.uk/invest or call our
Investment Helpline free of charge on 0800 389 8600.
…adjust your regular payments
If you are already investing by Direct Debit you can
increase your regular payment at any time by visiting
our website at www.mandg.co.uk/invest or writing to
our Customer Relations team at the address on the
back cover.
…choose to reinvest or receive
an income
If you have purchased accumulation shares, any income
due to you from your investment will be automatically
reinvested, enhancing the value of your shares.
If you have purchased income shares then, depending
on the product you have invested in, you may have a
choice between reinvesting any income by purchasing
additional shares or all income being paid to you.
The table below shows which options are available
within each product:
Accumulation
OEIC
…move between M&G funds
The M&G
Savings Plan
At M&G we have a wide range of funds to choose
from, no matter what your individual investment
objectives may be. Our many funds include income,
growth or a combination of both, offering a choice
to suit most investors.
The M&G ISA
You can switch all or part of your investment
between M&G funds and, if you are switching
within The M&G ISA or The M&G Junior ISA,
you can do so without losing tax benefits. You
can switch between funds easily via our website
at www.mandg.co.uk/switch or by calling our
Investment Helpline. There may be a charge, so
please call our Customer Relations team to check
and/or to request information on switching between
funds. Please note that it is not possible to switch into
the M&G High Income Investment Trust.
The M&G
Junior ISA
Income
reinvested
Income
paid out
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Please remember that prices may fluctuate and you
may not get back your original investment.
If you require any further information please:
• email us at info@mandg.co.uk
• call our Investment Helpline on 0800 389 8600
Please ensure you have seen an up-to-date Key
Investor Information Document (KIID) for the
fund(s) you wish to invest in, as well as the current
Important Information for Investors document.
If you are having trouble finding the right fund
for you, our online Fund Finder tool provides you
with an easy way to identify the MG fund, or
funds, most suitable to your investment needs. To
find the right fund for your investment needs visit
www.mandg.co.uk/fundfinder
Making the most of your MG investment
5
5. MG investment products and services
At MG we understand that people have different
needs from their investments.
Transferring your stocks and shares
and cash ISAs to MG
We have a wide range of products and services to
suit a variety of investment needs. Whether it’s a
tax-efficient ISA, a regular savings plan or lump sum
investment for children or for retirement, we have the
product for you.
You can also transfer ISAs held elsewhere to MG.
They can be transferred in their entirety, or in
part, to any MG fund that best suits your current
investment needs.
Visit www.mandg.co.uk/investments to find out
more about our different investment vehicles and how
you can tailor them to suit your requirements.
The MG ISA
One of the greatest advantages of investing through
The MG ISA is that it provides a flexible, tax-efficient
investment. It is easy to top up your ISA with a lump
sum or adjust your regular payments to your ISA; just
visit our website any time at www.mandg.co.uk/info
or call our Investment Helpline on 0800 389 8600,
from 8.00am to 6.00pm, Monday to Friday, and
9.00am to 1.00pm on Saturday.
Please remember that prices may fluctuate and
you may not get back your original investment. ISA
tax rules may change in the future and ISA tax
advantages depend on your individual circumstances.
We are unable to give you financial advice. If you
are unsure about the suitability of your investment,
speak to your financial adviser.
ISA subscription limits
The maximum that can be invested in an ISA is
currently £11,520 in any one tax year (6 April – 5 April).
This can comprise up to £5,760 in a cash ISA, with
the remainder in a stocks and shares ISA, or the full
amount in a stocks and shares ISA. MG offers the
stocks and shares ISA only.
6
Making the most of your MG investment
You may be unhappy with the performance from
another provider, or would prefer to get all your
investments together under one roof. Perhaps your
personal investment objectives have changed since
you first invested? Whatever your reasons, when
you transfer your ISAs to MG they will retain their
tax-efficient status, and will not affect your ISA
allowance for the current tax year. We will contact your
existing provider on your behalf, and we won’t charge
you a penny to transfer.
Visit www.mandg.co.uk/transfer for more information
or to download the relevant form, Key Investor
Information Documents and Important Information
for Investors document, or call our Customer Relations
team on 0800 389 8600.
Please note that your current provider may apply a
charge when you transfer your investment, and that
while your investment is being transferred, it is out of
the market for a short period of time and will not lose
or gain value.
6. The MG Junior ISA
Whether you are a parent, grandparent, godparent or
friend, one of the best ongoing presents that you can
give to the children in your life is to invest some money
for them that can be left untouched until they are adults.
Our recently launched MG Junior ISA is a taxefficient vehicle for use when investing on behalf of
a child, either in a lump sum or regular instalments of
£10 or more. The allowance per child will be £3,720
each tax year, and is available to all UK resident
children who do not have a Child Trust Fund (CTF)
account. Like The MG ISA, The MG Junior ISA can
hold bonds, equities, cash and even property shares,
giving you even more flexibility over the future of your
children’s long-term savings.
Junior ISA tax rules may change in the future and
Junior ISA tax advantages depend on individual
circumstances.
Visit www.mandg.co.uk/junior to find out more about
The MG Junior ISA.
The MG Savings Plan
We know some people would prefer to make a regular,
small investment instead of putting a lump sum away.
Maybe you feel this way too.
For many of us, regular savings are the most reliable
way to generate capital for ourselves and our families.
If you invest regular amounts, you can build up
substantial capital sums over the medium to long term
and you can smooth out the ups and downs of the
market. If the share price falls, your contribution will
purchase a larger number of shares at a lower price.
And if the price rises, this larger holding of shares will
make your investments more valuable – although of
course, your contributions will buy you less. There is no
overall investment limit in The MG Savings Plan, and
you can invest from as little as £10 a month.
Turning your individual company
shares into an investment with MG
The MG Share Exchange Scheme
If you hold any individual company shares in your
portfolio, in addition to your MG investments, you
will know the potential advantages of investing in
equities. You may also be aware of the characteristics
of holding individual shares directly. A portfolio
containing individual shares:
• may leave your investment exposed to a greater
degree of risk
• can be more expensive to buy and sell
• cannot provide you with the extensive research
capabilities that can be provided by an investment
management company such as MG
The MG Share Exchange Scheme offers you an easy
way to turn your individual shares or gilts into an
investment in MG’s extensive fund range – either
directly via an OEIC or within an ISA wrapper – so you
can enjoy all the advantages of a ‘pooled’ investment
with all the management expertise of MG. All you
need is a minimum of £1,000 worth of shares or gilts
to get started.
Please remember that prices may fluctuate and you
may not get back your original investment.
Visit www.mandg.co.uk/exchange or call our
Investment Helpline on 0800 389 8600 to find
out more.
Making the most of your MG investment
7
7. More reasons to invest with MG
Morningstar OBSR Honours 2012
• Outstanding Investment House 2012
Morningstar Awards 2012
• Best Specialist Fixed Interest House Award
Professional Adviser Awards 2012
• Best UK Growth Group
Past performance is not a guide to future performance.
8
Making the most of your MG investment
8. Change of personal details
This form can be used to change your:
• address, and/or;
• name, when accompanied by appropriate documentation to show a legal change.
Please note: If you hold any shares in the MG High Income Investment Trust outside of an ISA, you will also need to send details of your
amended personal details to: Lloyds Registrars, The Causeway, Worthing, West Sussex BN99 6DA.
Please complete the relevant sections of this form in blue or black ink, using CAPITAL letters and ticking the appropriate boxes, and
return it to: MG Customer Relations, PO Box 9039, Chelmsford CM99 2XG.
1 Personal details
Please give the full name(s) of all investors.
Investor 1
Mr
Mrs
Investor 2 (if applicable)
Miss
Ms
Other
Mr
Forename(s)
Mrs
Miss
Ms
Other
Forename(s)
Surname
Surname
MG client reference number
MG client reference number
Investor 3 (if applicable)
Mr
Mrs
Miss
Investor 4 (if applicable)
Ms
Other
Mr
Forename(s)
Mrs
Miss
Ms
Other
Forename(s)
Surname
Surname
MG client reference number
MG client reference number
2 Change of Address
Please complete this section if you wish to change your address.
Your previous address
Your new address
Address
Address
Postcode
Postcode
New daytime phone number (in case of query)
Authorisation
Please ensure that all investors to whom the change of address applies sign below.
Investor 1
Investor 2
Signature Date
Signature Date
Investor 3
Investor 4
Signature Date
Signature Date
9. 3 Change of name
Please complete this section if you wish us to reflect your change of name in our records.
Please enclose the appropriate document(s), according to the reason for your name change:
• Marriage – marriage certificate
• Civil partnership – civil partnership certificate
• Divorce – decree nisi/absolute and birth certificate or previous marriage certificate, in order to verify your previous and current names
• Deed poll – deed poll document.
Previous name
Mr
Mrs
Miss
Ms
Other
Current name
Forename(s)
Mr
Mrs
Miss
Ms
Other
Forename(s)
Surname
Surname
Authorisation
Your previous signature
Your current signature
Date
How to contact us
Call us
Visit our website
0800 390 390 (Minicom: 0800 917 2295)
www.mandg.co.uk/info
We are open Monday to Friday from 8.00am to 6.00pm and on Saturday from 9.00am to 1.00pm.
For your security and to improve the quality of our service, we may record and monitor telephone calls.
If you have hearing difficulties, you can contact us on Minicom from 9.00am to 5.00pm, Monday to Friday.
Email us
Write to us
MG Customer Relations, PO Box 9039, Chelmsford CM99 2XG
info@mandg.co.uk
Please note that information in an email cannot be
guaranteed as secure.
Do not include sensitive information in emails to MG.
Issued by MG Financial Services Limited and MG Securities Limited which are both authorised and regulated by the Financial Conduct Authority in the UK and provide ISAs and other
investments. The registered office of both companies is Laurence Pountney Hill, London EC4R 0HH. MG Financial Services Limited is registered in England No. 923891. MG Securities
Limited is registered in England No. 90776.
