Legal information
Cards
Credit card
Credit available subject to status to UK residents aged 18 or over.
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Loans
Personal loans
To apply for an M&S Loan, you must have an annual income of at least £10,000, be a UK resident and be aged 18 or over.
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Save & Invest
Savings
Important Documents
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Further guidance on ISA transfers:
We subscribe to the following codes of conduct and guidance:
Industry Guidance for FCA Banking Conduct of Business Sourcebook
Marks and Spencer Unit Trust Funds
M&S Savings and Investments is a trading name of Marks and Spencer Unit Trust Management Limited. Registered in England and Wales No. 2253009. Registered office: Kings Meadow, Chester CH99 9FB. Authorised and regulated by the Financial Conduct Authority. A wholly owned subsidiary of HSBC Bank plc. Marks & Spencer is a registered trademark of Marks and Spencer plc and is used under licence. © Marks and Spencer Unit Trust Management Limited 2013. All rights reserved. Marks and Spencer Unit Trust Management Limited is entered in the Financial Services Register. Registration No.141662.
As with any investment where the underlying investments are shares and bonds, the price of units and the income from them can go down as well as up, and you may get back less than the amount originally invested. Investment in the Fund should be considered a medium to long term investment (5 years or more).
Past performance is no guarantee of future performance.
The performance of the Fund will depend on the investments selected by the fund advisers.
If you apply to invest in the Fund following investment advice, you will have the right to cancel your application. If you exercise the right to cancel, the amount returned may be less than the amount you invested if there has been a downward movement in the stock market from the date of investment to the date your instruction to cancel was received.
Inflation will reduce what you could buy in the future.
The regulatory and taxation regime under which the Fund operates may change in the future.
Worldwide Managed Fund
The fund invests in bonds and shares. Share and bond prices go up or down, meaning you may get back less than you invested.
As part of the Fund is invested overseas the value of your investment may be affected by changes in currency exchange rates.
Changes in interest rates may affect the value of the bonds held in the Fund. If interest rates go up, the value of bonds may fall. If interest rates go down, the value of bonds may rise.
A small part of the Fund may invest in emerging markets. This may involve greater risk in buying and selling investments, settlement arrangements and the safekeeping of the investments held.
UK Selection Portfolio
The fund invests in bonds and shares. Share and bond prices go up or down, meaning you may get back less than you invested.
The Fund will hold investments in smaller companies where the share prices can change significantly, and the shares can be difficult to buy and sell.
As the Fund may invest in bonds, changes in interest rates may affect the value of any bonds held in the Fund.
If interest rates go up, the value of bonds may fall. If interest rates go down, the value of bonds may rise.
UK100 Companies Fund
The Fund invests in shares. Share prices go up or down, meaning you may get back less than you invested.
Although your investment is spread across the 100 companies that make up the FTSE® 100 Index, some companies and/or sectors can grow so large that they make up a large percentage of the index which increases risk.
The Fund will not track the FTSE® 100 Index exactly. In other words there will be a difference between the performance of the Fund and the FTSE® 100 Index.
High Income Fund
The fund invests in bonds. Bond prices go up or down, meaning you may get back less than you invested.
Changes in interest rates may affect the value of the bonds held in the Fund. If interest rates go up, the value of bonds may fall. If interest rates go down, the value of bonds may rise.
As part of the Fund is invested overseas the value of your investment may be affected by changes in currency exchange rates.
Part of the Fund may invest in emerging markets. This may involve greater risk in buying and selling investments, settlement arrangements and the safekeeping of the investments held.
The annual management charge is deducted from capital. This may reduce the potential for growth and there may be times when the charge is greater than the growth of the Fund.
Important Documents
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Acknowledgements
FTSE® is a trademark of the London Stock Exchange plc and The Financial Times Limited and is used by FTSE® International Limited (FTSE®) under licence. The FTSE® indices are calculated by FTSE® and all rights in and to these indices vest in FTSE® and its licensors. FTSE® does not sponsor, endorse or promote our products.