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For more information on the financial terms used in this page, please consult the glossary.
The M&G Savings Plan
Whatever your situation in life, it’s never too early to start planning for the future. A regular savings plan can help you maximise potential investment growth in the long term (10 years or more). Investing regularly can help smooth out the ups and downs of the markets.
The M&G Savings Plan is designed to help you make regular investments in an M&G OEIC in an account outside of The M&G ISA. It gives you the freedom to invest from as little as £10.
You don’t need to invest a lump sum up front, but you can top up your plan with a one-off investment and make withdrawals whenever you like.
The M&G Savings Plan could suit you if you:
- Have already used your Individual Savings Account (ISA) allowance for the current tax year
- Want to start investing on behalf of a child outside a Junior ISA
- Want to hold a joint investment*
*An ISA cannot be held in joint names.
Is The M&G Savings Plan right for you?
This guide explains more about who The M&G Savings Plan is designed for, but please note this is our view and doesn’t take into account your individual circumstances.
Charges
Our charges vary between the funds that you can invest in, and then by the class of share they might hold.
For each fund, you will pay an ongoing charge (which consists of an annual charge and extraordinary expenses) plus a share of portfolio transaction costs (the costs incurred when funds buy and sell investments). Please see our Fund charges page for more details.
Share classes
The share class available to you in The M&G Savings Plan will depend on the value of your holdings.
- Sterling Class A Shares are for all customers with up to £499,999 per fund
- Sterling Class I Shares are for customers with over £500,000 per fund or for total holdings on myM&G* over £250,000
- Sterling Class R Shares are for customers with total holdings on myM&G* up to £249,999
*The savings plan facility on myM&G is part of the General Investment Account (GIA) product.
With The M&G Savings Plan, any income your investment generates is reinvested back into the fund to support its growth, rather than being paid out. These are known as accumulation shares and are shown as Accumulation (or Acc) after the fund name.
For more information, please visit our share classes page or read the Funds' prospectus.
Share classes
To see which share classes are available for your chosen fund(s), download our Important Information for Investors document.
Important Information for Investors document
Our funds
Whichever fund(s) you choose and however you’d like to invest, there’s no substitute for experience. When you invest with M&G, you benefit from our size, scale and nearly 100 years of expertise in the investment industry.
We have a range of over 40 funds to help you achieve your goals across different asset classes including equities (shares in a company), bonds and multi-asset.
| Choosing the right mix of asset classes | Choosing a fund |
|---|---|
Find out more about the different asset classes available to you. | View the funds available in the Fund Centre. |
How to invest
Choose the option that best describes you, and we’ll guide you to the right place.
Investment limits (per fund)
The table below shows the minimum investment limits within The M&G Savings Plan. There is no upper limit to the amount you can invest and you can choose to make regular contributions on a monthly, quarterly, semi-annual or annual basis.
| Minimum investment limits | A Shares | R Shares | I Shares |
|---|---|---|---|
| Lump sum/Transfer in | £500 | n/a | £500,000 |
| Regular amount | £10 | n/a | n/a |
| Additional lump sum | £100 | n/a | £10,000 |
| Additional regular amount | £10* | n/a | n/a |
| MyM&G (our online-only service) | n/a | £1 | £250,000** |
*Increases and decreases to investments need to be made in multiples of £10 per fund.
**Total holdings as opposed to fund holding level.
There is no maximum investment limit.
Before you invest, you should read an up-to-date version of your chosen fund’s ‘Key Documents’: Key Investor Information Document (KIID), Prospectus and, for funds with sustainability characteristics or with a sustainability label, the Consumer-Facing Disclosure (CFD). You should also read the Important Information for Investors document, which includes M&G’s Terms and Conditions.
The views expressed in this webpage should not be taken as a recommendation, advice or forecast. We are unable to give financial advice. If you are unsure about the suitability of your investment, speak to your financial adviser.
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.
Further information
Our products
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.