Share Dealing Funds Supermarket

Funds, which are otherwise known as unit trusts, OEICs or ‘collectives’ offer you a simple way to access a broad range of stockmarket investments and assets. Funds will hold a range of investments which means you’ll benefit from spreading the risk of your investment compared to holding a single equity investment.

Funds are managed by professional experts whose only job is to make your money work for you. Using specialist investment approaches they seek to grow your money so that you can meet your financial needs and goals. Funds also provide investment convenience especially if you don’t have the time to constantly play the stockmarket.

We believe, investors should consider funds as a core part of their investment portfolio because:

• whether you’re a cautious or adventurous investor, an income seeker or looking for growth there is a fund out there for you
• they allow you to easily spread your portfolio across many different assets such as shares, gifts and bonds
• specialist funds also allow you to broaden your horizons by giving you access to a range of shares within the UK or less familiar markets around the world, such as India and China
• your money is in the hand of expert fund managers who are looking after your investments full time

Access our funds supermarket within the Share Dealing Nominee or ISA Accounts and you will find the funds that enable you to invest in a range of assets around the globe.

With our funds supermarket:

• you can search our funds network for the best performing funds, high income funds or others to suit your needs
• buy the funds you want and benefit from the investment expertise of over 40 leading Fund Managers including Fidelity, M&G and Invesco Perpetual, as they will do the research, monitor investments and pick the stocks within the funds you choose.
• you can save money as we've negotiated initial charges of only 0.5% with most of the fund managers and some are even offered at 0% (giving you up to 5% discount)
• deal in funds online or by phone and view your investments day or night.

Open our Nominee or ISA Account today and place your first deals in our extensive range of funds direct in minutes. 

With over 1000 funds to choose from we provide you with information and tools to help you find the right funds for you.

Fund Information:
Our website contains a wealth of information on all our funds including:

• Morning Star ratings, which are risk-adjusted, cost-adjusted comparisons of fund performance within different categories and provide an easy way to get a feel for a fund's historical performance
• actual fund performance over 1-5 years and comparisons against its benchmark
• the major constituents of a fund are also displayed to give you an idea of the type of investments the fund invests in
• charges associated with a fund and the discounts we pass on to you.

Fund Finder Tools
On our website we provide the Fund Finder Tool to match funds to your chosen criteria.

With the Fund Finder tool you can search and filter your results to find the funds for you including:

• analyst sector, e.g. Equities
• area sector, e.g. UK
• general sector, e.g.  High Income Fund

You can refine your searches further by:

• fund manager
• fund charges
• performance and ratings

Open our Nominee dealing account or ISA today, choose the funds you want and place your first deals in minutes. 

Remember
Past performance is not a guide to the future. The value of stock investments and any income from them may fall as
well as rise and you may not get back the amount originally invested.

Here are some answers to common questions about investing into funds.

Q: Are funds a suitable investment for me?

A: Generally speaking, if you are looking for an investment that is linked to the stockmarket but with a lower rate of risk than individual shares you own, then funds are something for you to consider. You will need to assess whether they suit your individual needs.

Q: Why should I choose Lloyds TSB Share Dealing?

A: There are many reasons including:

• we provide a large range of funds for you to choose from, including well established fund managers with proven track records as well as some exciting new funds
• we pass on the savings obtained from the special negotiated discounts with fund managers direct to you in the form of reduced initial fees
• we provide a secure dealing account for you to conveniently manage your investments from. 
• as you would expect our service is backed by the kind of resources that come with being a part of a large and established financial institution.

 Q: Aren’t funds expensive?

A: Our dealing charge for funds is only £10 online and as we have already negotiated the initial charges on many funds down to just 0.5% or less, we don’t think so. The other main fund related charge to consider is the fund managers’ annual management charge which is typically 1.5% and collected from within each fund. Find out more about our Funds Rates and Charges 

Q: What more should I consider before purchasing funds?

A: You are strongly advised to read the fund provider's Key Features Document before placing an order. These are available through the Fund Manager Key Features  drop-down menu on the Share Dealing website. 

Q: Where do I start?

A: Apply now for our Nomine or ISA Account online and within minutes your account could be ready to use. Once your account is open you can fund your account using your debit card, choose your fund and place your deal quickly and efficiently. Alternatively, you can of course send us a cheque or set up a direct debit and deal once we receive your cleared funds. If you have existing share certificates or accounts elsewhere you can transfer these into our accounts and switch into funds.

• Filling in our online form usually takes less than 10 minutes
• If you apply online we will carry out standard checks while you wait and you could be dealing immediately
• We'll also send you confirmation of your account number and PIN for secure access to your account