The Current Market – and how to invest in it

It’s a turbulent time for the financial markets. And lots of investors are (understandably) quite cautious. In uncertain times, it’s reassuring to know that your money is in safe hands.

At M&S Money, we’ve been investing in global financial markets for more than 20 years. We currently have 95,000 investors and manage over £1 billion of funds. We're part of HSBC – one of the world’s largest financial services organisations, and one of the most strongly capitalised and liquid banks in the world.

Hand picked experts

As you'd expect from M&S, we work hard to secure the best possible return on your investment, whatever the economic climate. And we hand pick the most skilled and experienced fund managers to invest your money.

Think long term

If you’re investing in Unit Trust funds, you should think of your investment as a medium to long term commitment of at least 5 years. You should also expect a degree of volatility.

As the graph shows, stock market rises often follow falls, so it usually pays to be patient, rather than reacting to short term fluctuations.

That said, this information relates to the past and past performance is no guarantee of future performance. The capital value of your investment, and any income you get from it, may go down as well as up – and you may not get back the full amount you invested.

Your investments are protected

M&S Money investments are protected by the Financial Services Compensation Scheme. This scheme guarantees an investment if the provider is unable to meet their liabilities. The maximum compensation for an investment is £48,000 – 100% of the first £30,000 and 90% of the next £20,000.

Is it a buyer's market?

Recent falls in the stock market mean unit prices are low. So you’ll get more units for your money – and they’ll be worth more when the market rises. Similarly, when the market rises, your money will buy fewer units.

Direct Debit – it can work in your favour

Investing by Direct Debit is a convenient, hassle-free way to build up your investments. It also helps to smooth out the ups and downs of the stock market – and means you won’t worry about the best time to invest.

Want to reduce the risk?

In a turbulent market, a good way of reducing risk is to invest in different types of investment – like shares, bonds and cash. You can do this by investing in a range of Unit Trust funds.