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For more information on the financial terms used in this page, please consult the glossary.
We believe it's worth taking a fresh look at your investments at least once a year to make sure they still reflect your current situation and needs.
How can regular investing help?
If you can, putting away regular amounts can not only take the hard work out of investing, but can also gradually help you reach your savings goals sooner. The easiest way to make regular contributions to your investment is by Direct Debit. Once you’ve set it up, you can rest easy in the knowledge that you’re adding to the pot on a regular basis, and leaving the whole thing to potentially grow over time.
What is investing by Direct Debit?
When you set up a Direct Debit, you are telling your bank or building society to let an organisation take a fixed amount of money from your account on a regular basis, usually on a set date.
At M&G you can set up a Direct Debit in your ISA or Junior ISA on a monthly basis, and choose the payment date from either the 1st, 10th or 22nd of the month. You can also set up a Direct Debit in The M&G Savings Plan on a monthly, quarterly, six-monthly or annual basis. Please note it takes 13 business days to set up or change a Direct Debit.
Why invest by Direct Debit?
Simple and convenient way to invest
Once set up, you don’t have to remember to add or top-up your investment, and you can leave it to grow steadily over time.
You don’t need a lump sum to start investing
It can take time to build up a lump sum. However, you can invest smaller amounts regularly by Direct Debit.
No need to time the market
Investing a fixed amount at regular intervals means you buy more when prices fall and less when they rise. This 'pound cost averaging' can help lower the average cost of your investments over time.
They are flexible
You can stop, start, increase or decrease your regular contributions depending on your situation.
But make sure you keep track of your Direct Debits and that there’s enough money in your account to cover the regular payments.
Start investing by Direct Debit
You can get started from £10 a month. Just call our Customer Relations team on 0800 390 390 and our team can help you set up a Direct Debit.
You can call us from 08:00 to 18:00 Monday to Friday and from 09:00 to 13:00 on Saturday. For our existing customers, please have your M&G client reference to hand. All calls are free within the UK. We may record your call for training and quality purposes.
Alternatively, you can set up or increase a Direct Debit by completing the relevant form:
- M&G ISA Direct Debit/Additional Contribution Form
- M&G Junior ISA Direct Debit/Additional Contribution Form
- M&G Savings Plan Direct Debit/Additional Contribution Form
Please send your completed form to us at:
M&G Securities Limited
PO Box 9039
Chelmsford
CM99 2XG
Before selecting funds you should read an up-to-date version of your chosen fund's 'Key Documents': Key Investor Information Document (KIID), Prospectus and the Consumer-Facing Disclosure (CFD). These can be found on each fund page and provide important information to help you understand the funds. You should also read the Important Information for Investors document, which includes M&G's Terms and Conditions.
The value of investments will fluctuate, which will cause prices to fall as well as rise and you may not get back the original amount you invested. We are unable to give financial advice. If you are unsure about the suitability of your investment, speak to your financial adviser. The views expressed here should not be taken as a recommendation, advice or forecast.
M&G Investment Management Limited (MAGIM), M&G Alternative Investment Management Limited (MAGAIM), M&G Securities Limited (MGSL) and M&G Financial Services Limited (MGFS) are registered in England and Wales under numbers (936683, 2059989, 90776, 923891) respectively. The registered address of MAGIM, MAGAIM, MGSL, and MGFS is 10 Fenchurch Avenue, London, EC3M 5AG. MAGIM, MAGAIM, MGSL, and MGFS are authorised and regulated by the Financial Conduct Authority (“FCA”) under numbers 119328, 122011, 122057, 122058 respectively.