Invest now, thank yourself later

Whether you are looking for long-term growth, a guaranteed*** return, or a regular income from your lump sum, our bonds could be the perfect option.

  • Potential for growth through bonuses**
  • Income options available
  • Higher potential return than a bank or building society

Request an information pack

For more information on our Investment and Income Bonds, please fill in your details below and we will send you out your information pack of choice. Sheffield Mutual will never sell your personal data to any third parties. We would, however, like to keep you up to date with Society news, offers, competitions and other products and services that we offer. We use MailChimp for our marketing/service emails. You can update your contact preferences easily at any time by phone, email, in writing or online.



Please read the full product information and Key Information Documents before applying.

Investment Bond

Make your money work harder for you with this medium to long-term investment plan.

  • Invest a lump sum between £1,000 - £150,000
  • Guaranteed amount of at least 105% after five years
  • Higher potential returns than a bank or building society
  • Possible annual and final bonuses

Tax treatment depends on individual circumstances and may be subject to change in the future.

Bonuses are not guaranteed to be paid and depend on the performance of the Society’s with-profits fund.

If you surrender in the first five years a surrender penalty will apply, meaning you may get back less than you invested.

Income Bond

Invest a lump sum and have the added flexibility of taking an income.

  • Invest from £5,000 to £150,000
  • Guaranteed amount after five years
  • Option to take an income of between 1 and 5%
  • Possible annual and final bonuses

Tax treatment depends on individual circumstances and may be subject to change in the future.

Bonuses are not guaranteed to be paid and depend on the performance of the Society's with-profits fund.

If you surrender in the first five years a surrender penalty will apply, meaning you may get back less than you invested. 

Please note that the minimum investment for taking monthly income is £10,000 and the minimum investment for taking a withdrawal of under 2% is £30,000.

Get an M&S or Love2Shop gift card

Quote THANK22 when applying for a new policy to receive up to a £50 gift card‡

Investment amount

Gift card for new member

£1,000 - £4,999

£25

£5,000 - £9,999

£30

£10,000 - £19,999

£40

£20,000 +

£50

‡You'll receive your gift card after your new policy starts. 

Terms and conditions apply

Why choose Sheffield Mutual

Trusted, fair & ethical

We do not invest knowingly or directly in industries relating to armaments, tobacco, gambling or pornography

About us

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We are part of the Financial Services Compensation Scheme.

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Dedicated team

Experienced and knowledgeable, our team is made up of professionals from a range of backgrounds and industries

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