Investment options

multiple snow globes

We offer a comprehensive range of funds, accounts and investment solutions.


General fund information

Property funds

We offer Property funds through our various brands and certain products.

These funds invest in commercial property and some also in property related investments (such as shares in property companies for example).

The earlier funds invested in a spread of mainly UK business and commercial properties with only some overseas investment but subsequently, more predominantly overseas funds have been launched to complement the range available by investing in specific areas such as Europe and North America.

Fund aims

Property funds:

  • are intended to combine the prospect for good capital growth with a secure and rising rental income from good quality tenants, normally on long term leases, with regular rent reviews.
  • have delivered consistent long term performance and provide a popular way for customers to invest in the commercial property market.
  • are spread across a range of individual properties, sectors of the property market and geographical regions to reduce the risk associated with concentrating in any one area.
  • play a strong part in the construction of a balanced portfolio.

Target market

These funds are suitable for UK resident individuals or trustees who:

  • have a lump sum or regular contribution to invest for capital growth.
  • are prepared to invest for the medium to long term, 5-10 years or longer.
  • have sufficient other money available in the short term for unforeseen expenditure.
  • want an alternative to equity based investments in the form of commercial property and/or property related assets.
  • understand the aims and commitments of the fund/plan and that property plays a strong part in the construction of a balanced portfolio.
  • take advice from a financial adviser before investing and during the term of the investment.

These funds may not be suitable for customers:

  • who are non-UK resident.
  • wanting to invest for the short term (less than 5 years).
  • who are unwilling to take any risks with their capital or are unwilling to take the level of risk involved.
  • who are citizens, nationals or residents of the USA.

Key risks

The customer may:

  • get back less than they invested if the fund does not perform as anticipated.
  • find that personal, legislative or tax changes mean the fund/plan may not continue to meet requirements.
  • not appreciate that past performance is no guarantee of future performance or that the degree of risk/performance will depend on which fund they choose.
  • set the level of regular withdrawals in excess of the investment growth so the value of the investment will fall.
  • find that charges are higher than anticipated if the cost of investment management increases during the investment term.
  • get back less than they invested if they decide not to proceed with a new investment and the fund has fallen in the cancellation period.
  • lose contact with or fail to take ongoing advice from their adviser leading to potentially inappropriate fund selection or investment timing.
  • in extreme market conditions, experience a delay in the encashment of their investment by up to 12 months.

Protected Profit Funds

Our range of Protected Profits Funds (PPFs) aim to achieve medium to long-term growth (5-10 years) while protecting the unit price from falling below 80% of the highest-ever level.

The funds tend to produce more stable, but lower returns compared to investing directly in the market and therefore, often appeal to investors who have a relatively cautious outlook.

PPFs are available through the Sterling Investment Bond and some of our pension products.

The protection is not guaranteed and the unit price could fall below 80% of the highest-ever level in some circumstances. Your client may get back less than they invested.

Managed funds

We offer Managed funds through our various entities and all of our main product categories (investment, pension and protection).

Such funds were the first genuine alternative to 100% equity funds providing investors with the potential to achieve long term, consistent and stable investment performance while shielding them from an undue exposure to risk.

Fund aims

  • Managed funds combine Fixed Interest, Property, Equity and Cash into one, actively managed fund.
  • They are aimed at customers looking to invest over the medium to long term (5 -10 years) but who do not want to actively switch between funds.
  • Historically, the vast majority of customers who have invested in these funds did so to achieve long term, stable and consistent investment performance while avoiding undue exposure to risk.

Target market

These funds are aimed at UK resident individuals or trustees who:

  • have a lump sum or regular contribution to invest for capital growth.
  • are prepared to invest for the medium to long term, 5-10 years or longer.
  • have sufficient other money available in the short term for unforeseen expenditure.
  • understand and accept the risks associated with a stock market type of investment.
  • understand the aims and commitments of the fund/plan.
  • take advice from a financial adviser before investing and during the term of the investment.

These funds may not be suitable for customers:

  • who are non-UK resident.
  • wanting to invest for the short term (less than 5 years).
  • who are unwilling to take any risks with their capital or are unwilling to take the level of risk involved.
  • citizens, nationals or residents of the USA.

Key risks

The customer may find that:

  • as they age, their attitude to risk may change whereby other alternative funds may prove more suitable, but if they fail to switch they may get back less than they invested, if the fund does not perform as anticipated.
  • personal, legislative or tax changes mean the fund/plan may not continue to meet their requirements, they may not appreciate that past performance is no guarantee of future performance, or that the degree of risk/performance will depend on which Managed fund they choose. For example, if the level of regular withdrawals is in excess of the investment growth the value of the investment will fall.
  • charges are higher than anticipated if the cost of investment management increases during the investment term. They may get back less than they invested if they decide not to proceed with a new investment and markets have fallen in the cancellation period or lose contact with or fail to take ongoing advice from their adviser, leading to potentially inappropriate fund selection or investment timing.
  • the value of any fund may fall, which could result in your client getting back less than they invested.

Contact us

Contact your Zurich Business Account Manager or call us on