- Take your pick from six risk-rated investment funds, and swap at any time
- Invest an unlimited amount and withdraw when you want, with no exit fees
- Let award-winning Fund Managers manage your investment
- Open to UK businesses, charities, partnerships, trusts and societies
On this page
Making your money work harder
Are you a dental practice owner with surplus cash sitting in your business bank account? Or a doctor thinking about investing your limited company funds? The Unit Trust Investment Account aims to make that cash work harder for you, offering the potential for greater long-term returns than a savings account.
Watch the video to find out more.
Keep in mind that the value of your investments can go down as well as up, and you may get back less than you put in.
Is a commercial investment right for you?
Investing your business funds could be just part of a wider financial plan. To see if it's right for you, a Specialist Financial Adviser from Wesleyan Financial Services can provide a full financial review beforehand.
This will help you to understand how much of your surplus business funds you can afford to invest long term, and what you may need to keep back so the money is instantly available when needed.
An initial advice charge for this service will apply.
Key features of the Unit Trust Investment Account
Funds to match your risk appetite
When you invest in a WUTM Unit Trust Investment Account, you get to choose which funds your money goes into – and how much risk you’re willing to take in pursuit of potential growth.
All our funds are risk rated on a scale of 1 to 5, where 1 represents the lowest risk (and lower potential returns) and 5 represents the highest risk (but potentially the greatest returns).
Your money, available when you need it
WUTM's Fund Managers invest with an eye to the long term, and like most investment products, the Unit Trust Investment Account is best suited to those who can invest for at least five years. But you can still take your money out at any time, without any exit fees.
We do ask that you always leave £500 invested, until such time as you close your account. Remember though, any gains may be subject to Capital Gains or Corporation Tax.
Use our investment calculator to get an idea of potential returns, if you invest long term.
Tax treatment will vary depending on your circumstances and business structure, and may be subject to change in future. Your Specialist Financial Adviser from Wesleyan Financial Services can guide you on any tax implications for your business.
Reinvesting for compound growth
Unit Trust funds can generate returns in two different ways - through capital growth (when the fund’s unit value increases) and through income from shares.
When your investment does generate income or interest, you can choose to have it paid to you or you can reinvest it in your account.
Reinvesting can significantly boost your investment returns over time, through what’s known as 'compound growth'.
When you invest in a WUTM Unit Trust Investment Account, you get to choose which funds your money goes into – and how much risk you’re willing to take in pursuit of potential growth.
All our funds are risk rated on a scale of 1 to 5, where 1 represents the lowest risk (and lower potential returns) and 5 represents the highest risk (but potentially the greatest returns).
WUTM's Fund Managers invest with an eye to the long term, and like most investment products, the Unit Trust Investment Account is best suited to those who can invest for at least five years. But you can still take your money out at any time, without any exit fees.
We do ask that you always leave £500 invested, until such time as you close your account. Remember though, any gains may be subject to Capital Gains or Corporation Tax.
Use our investment calculator to get an idea of potential returns, if you invest long term.
Tax treatment will vary depending on your circumstances and business structure, and may be subject to change in future. Your Specialist Financial Adviser from Wesleyan Financial Services can guide you on any tax implications for your business.
Unit Trust funds can generate returns in two different ways - through capital growth (when the fund’s unit value increases) and through income from shares.
When your investment does generate income or interest, you can choose to have it paid to you or you can reinvest it in your account.
Reinvesting can significantly boost your investment returns over time, through what’s known as 'compound growth'.
A choice of funds
With a Unit Trust Investment Account, you can invest in a choice of funds to suit your risk appetite. Our funds are rated on a scale of 1 to 5, where 1 represents the lowest risk (and lower potential returns) and 5 represents the highest risk (but potentially the greatest returns).
Risk Averse Fund
The Risk Averse fund aims to achieve a return by investing in a portfolio largely made up of UK government bonds. These are generally considered to be a relatively safe investment compared to shares.
- Risk rating - 1
- Ongoing Charge Figure (OCF) - 0%
- Read the fund fact sheet
- Read the key investor information document
Low Risk/Reward Growth Fund
This fund invests in a balanced portfolio of mainly UK shares, government and corporate bonds. The portion of the fund allocated to shares within the portfolio will not exceed 40% (typically between 30 and 35%).
- Risk rating - 2
- Ongoing Charge Figure (OCF) - 1.18%
- Read the fund fact sheet
- Read the key investor information document
Moderate Risk/Reward Growth Fund
This fund aims to provide capital growth through the active management of a mixed portfolio of shares, corporate bonds and government bonds. Shares will generally account for more than 50% of the portfolio.
- Risk rating - 3
- Ongoing Charge Figure (OCF) - 1.28%
- Read the fund fact sheet
- Read the key investor information document
Moderate-High Risk/Reward Income Fund
This fund typically contains a mix of investments, including 60 to 85% major-market shares, plus government bonds and higher quality corporate bonds to help counterbalance the investment in shares.
- Risk rating - 4
- Ongoing Charge Figure (OCF) - 1.42%
- Read the fund fact sheet
- Read the key investor information document
UK Growth Fund
This fund invests in companies listed on the UK stock market - providing access to a mixture of nationally focused businesses with global revenue streams. The fund takes a long-term view and expects to hold the core of its portfolio for years rather than months.
- Risk rating - 5
- Ongoing Charge Figure (OCF) - 1.21%
- Read the fund fact sheet
- Read the key investor information document
International Growth Fund
The International Growth Fund invests in global companies. It can invest directly in most major countries across the world, giving it access to a wide variety of sectors and markets, including emerging markets.
- Risk rating - 5
- Ongoing Charge Figure (OCF) - 1.56%
- Read the fund fact sheet
- Read the key investor information documents
A guide to commercial investments
Still wondering whether investing your business funds is the right option for you? Read our comprehensive guide to commercial investments. Learn more about:
- How commercial investments work
- The impact of inflation on cash savings
- Flexible investing
What you need to know before investing
Charges
Where you receive advice from Wesleyan Financial Services, an Initial Advice Charge of 3% is deducted from each payment to pay for providing that advice. WUTM will collect this charge on behalf of Wesleyan Financial Services (WFS) and pay it to them.
Other charges
There are also some management and dealing costs. These are shown as Ongoing Charge Figures (OCFs). The latest OCFs for each fund can be found in the KIIDs above.
If you are opted in for the Ongoing Advice Service (OAS) provided by Wesleyan Financial Services, an additional 0.5% will be added to the OCFs.
Key documents
Please read the following documents before applying:
- Key Features Document for advised applications (PDF, 336KB)
- Terms and conditions (PDF, 2MB)
Please also read the latest KIIDs for any fund(s) you’re considering investing in.
If you already invest with us and have opted into the Ongoing Advice Service (OAS), the appropriate 'B' unit class KIIDs are available through the WUTM Investor Portal.
