Guide To Mirror Funds

Each of our Isle of Man products offers an exceptionally wide range of funds for investors to choose from, as well as access to some of the most prestigious names in international investment - and the choice is theirs.

What Is A Mirror Fund?

For each fund managed by external investment managers, Friends Provident International Limited has set up its own fund which invests exclusively in the underlying fund, apart from a proportionately small amount which may be held as a cash balance. This means that the price of the Friends Provident International Limited fund will be different from the corresponding fund but will move mainly in line with it. These mirror funds can only be accessed using Friends Provident International Limited investment plans. Please note that there are fees charged to investments in the mirror funds that will affect their return. For further details, please refer to the relevant product brochure.

Flexibility - Investors have complete freedom to split their capital between funds and to switch funds at will - as often as they wish and, currently, free of charge.

Choice - We offer all investors more than 90 specially selected funds, enabling them to choose from a range of international equities, bonds, deposits and managed currency funds.

Suitability - Investors can construct an investment portfolio that reflects their preferred balance of risk and reward, to precisely match their needs.

Expertise - The funds are managed by some of the world's leading investment experts, selected for their consistently high levels of performance.

It is important to remember that, as with most investments, the value of your investment is not guaranteed and can go down as well as up. Therefore we suggest that you only invest money that can be committed in the medium to long term. You should also bear in mind that securities held within a fund may not be denominated in the currency of that fund, so unit prices may fall purely on account of exchange rate fluctuations.