Investment funds to thrive as savings rates remain low Go compare with our comparison table

Investment funds to thrive as savings rates remain low

04 February 2010 / by Rebecca Sargent

As low interest rates continue to hit savings accounts, Independent Financial Advisers (IFAs) are expecting a rush for riskier assets.

Research from Prudential has revealed that 72 per cent of IFAs are expecting an increase in the number of clients looking to invest in equity based investments over the next 12 months.

While interest rates have been gradually falling since the Bank of England reduced the base rate to a record low of 0.5 per cent 10 months ago, the stock market has rallied, finishing 2009 well above 5000.

However, an air of caution remains, as 73 per cent of IFAs expect their clients to choose investment funds that are cautious managed, while 66 per cent are expecting to see investment in defensive funds.

A further 70 per cent of IFAs questioned believe that investors will be looking to spread the risk by buying into multi-manager funds.

Commenting, Andy Brown, director of investment funds at Prudential said: "Given the performance of the markets in the second half of last year coupled with the ongoing poor rate of returns for cash based savings, it is perhaps unsurprising that IFAs expect to see clients looking to return to the stock market and buy into equity based investments in 2010.

"However, in reality not all equities will show equal growth over the coming 12 months and choosing the right time to invest in the right asset classes is key," he adds.

"We share the views of the IFAs surveyed and believe that good fund managers and balanced portfolios will do well in 2010 and beyond as investors look to build portfolios to deliver both performance and greater security."

The news comes after the Investment Management Association's latest figures, which show 2009 was a record year for investment funds under management with £25.8billion worth of net retail sales.

© Fair Investment Company Ltd
 

 Product NameISA OptionIncome YieldMore Info
Monthly Income Plus Fundyes
7.50%*
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Popular monthly income fund that aims to achieve a high level of income whilst seeking to maximise total return through investing in high yielding corporate and Government bonds, together with UK equities. 100% discount on initial charges.
Higher Income Fundyes
7.05%**
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Income Paid Quarterly. The objective of the Fund is to achieve increasing distributions on a calendar year basis with long term capital growth. The Fund may also invest in collective investment schemes. 100% discount on initial charges.
Distribution Fundyes
6.98%*
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Income Paid Monthly. Offers balance between both income and capital growth through investment in UK based equities and fixed interest securities. Save 100% on Initial Charges.
Income Maximiseryes
7.00%***
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Seeks to achieve a target yield of 7% to generate a quarterly income, whilst offering the potential for some long-term capital growth. Save 100% on Initial Charges.
Strategic Bondyes
6.20%*
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Investing in higher yielding assets which will include most types of fixed interest securities, this fund aims to deliver a quarterly income to investors. Save 100% on Initial Charges.
Corporate Bond Fundyes
5.63%*
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Invests mainly in fixed interest securities to achieve a high level of income will relative capital security. Save 100% on Initial Charges.
Global Equity Income Fund yes
4.56%**
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Equity and equity related investments across global markets aiming to provide income and growth. Save 100% on initial charges.
Optimal Income Fundyes
4.55%*
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Invests across a number of bonds to generate an optimised income that is paid biannually. Save 100% on Initial Charges.
Strategic Bond Fundyes
4.48%*
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Aims to deliver a maximum total return for investors through investment in global debt instruments. Save 100% on Initial Charges.
Income Fundyes
4.60%**
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Market leading equity income fund that delivers and income which is paid biannually. Save 100% on Initial Charges.
UK Income Fundyes
4.01%**
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Aims to provide an above average and growing income that is paid quarterly. Save 100% on Initial Charges.
Income Fundyes
3.91%**
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Aims to achieve a competitive level of income together with some capital growth by investing in UK based shares. Save 100% on Initial Charges.
High Income Fundyes
3.90%**
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Popular with investors, this fund aims to deliver a high level of income combined with capital growth by investing primarily in UK based companies. Save 100% on Initial Charges.
*Current Income Yields are Gross, Variable and Not Guaranteed
**Historic Yield reflects distributions declared over the past 12 months as a percentage of the mid-market price of the fund.
*** This is the target yield the fund aims to achieve per year, it is not guaranteed and could change according to prevailing market conditions. The target yield is net of basic rate tax.
Information correct as at 08/02/2012.

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