Please be aware, your investment may increase or decrease as a result of currency fluctuations. This will cause the value of your investment to fall as well as rise and you may get back less than you originally invested. The value and income from the fund's assets will go down as well as up. You can invest in most of our funds in the Fund Centre. Please read the Important Information for Investors document for more information on fund availability.

This is based on M&G’s opinion and doesn’t take into account your individual circumstances. This document explains who we believe the product is, and is not, suitable for. Please read the Important Information for Investors document for more information on share classes, charges and share types.

For information on all our charges, please refer to our Fund Charges page. For property funds, the ongoing charge does not take into account the property operating expenses, also known as PER. The ongoing charge is made up of the Annual Charge which may be discounted depending on the size of the fund, and extraordinary expenses. However, there is an ongoing charge which will vary per fund. We don’t apply entry or exit charges to investments in M&G funds Sterling Class shares. Learn more about share classes on our Share Classes page or by downloading our Important Information for Investors document. Instead, they automatically reinvest any income accruing to the fund and this is reflected in the share price. Funds with Accumulation shares are shown with Accumulation (or Acc) after their fund name. The M&G Savings Plan offers Accumulation shares only. Sterling Class I Shares for investments of £500,000 or more.Sterling Class A Shares for those investing between £500 and £499,999.For private (non-advised) investors there are only two share classes to choose from when you invest. The views expressed in this website should not be taken as a recommendation, advice or forecast.

We don’t give financial advice, so you should speak to a financial adviser if you need help deciding if an investment is right for you. Want to start investing on behalf of a child outside a Junior ISA.Have already used your Individual Savings Account (ISA) allowance for the current tax year.The M&G Savings Plan could suit you if you: 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. It gives you the freedom to invest as little as £10 per month. The M&G Savings Plan is designed to help you make regular investments in an M&G OEIC in an account outside The M&G ISA. Investing regularly can help smooth out the ups and downs of the markets. A regular savings plan can help you maximise potential investment growth in the long term. Whatever your situation in life, it’s never too early to start planning for the future.

Long term savings planner