Lump sum investments

A range of straightforward investment plans to suit everyone

  • A range of options to suit your needs - whether you're looking for a fixed return over three years, a way to save sustainably or a longer term investment with potential bonuses, we have options to match your goals
  • Grow your savings with confidence - choose from products that offer guaranteed returns or the opportunity to benefit from potential annual and final bonuses
  • Flexible access to your returns - prefer to receive a regular income or let your savings grow? Some of our products allow you to take an income while still benefiting from investment growth

Why invest a lump sum?

Whether you're looking for long term growth, a guaranteed return, a flexible investment, or a regular income from your savings, we have options to suit your needs. Instead of letting your money sit in a low interest account, why not make it work harder for you?

Explore our range of lump sum investment plans below, or visit our Help & Support section to learn more. Not sure which option is right for you? Try our Product Selector or give us a call. Our friendly team is happy to talk you through the choices available.

Risks you should be aware of:

Capital at risk. During adverse investment conditions you may get back less than you invested.

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

Interim and final bonuses are not guaranteed and may go up or down before being declared.

Three Year Fixed Bond only - You cannot surrender your policy, it must run for the full term. Terms and Conditions apply.

Whether you are looking for a new way to invest your savings or you have received an unexpected windfall, putting your money into a lump sum investment is an effective way to add to your savings without needing to make regular contributions.

Sheffield Mutual offers a variety of options for lump sum investments, including our Single Premium Investment ISA, Single Premium Sustainable ISA, Investment Bond, Income Bond, and Three Year Fixed Bond, providing our members with a wide range of strategies to help them maximise the benefits of their lump sum investments.

Whatever your savings goals, Sheffield Mutual is invested in helping our members maximise their savings.

About Our Lump Sum Savings Accounts

Whether it’s from a property sale, share incentive plan, or investing a pension lump sum, receiving a windfall can be an exciting moment.

However, many customers are unsure about how to maximise their lump sum.

At Sheffield Mutual, we offer products specifically designed to hold lump sum investments, whether you are looking for a long-term investment strategy or somewhere to store your money while you develop a financial plan.

When choosing a lump sum investment, it’s essential to understand your goals. After reading the product descriptions carefully, any investor should consider:

  • How much to invest

  • How long to invest for

  • Whether you will need to access your funds in the short term

  • How to make tax-efficient investments

If you are interested in opening a lump sum investment policy with Sheffield Mutual, consider using our helpful product selector to determine which account is right for you. Alternatively, contact us and a member of our friendly and helpful team will be happy to explain your options.

For more information on the risks, please refer to the relevant 'Risks You Should Be Aware Of' section for each product.

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We are here for you at all stages of your journey; our support articles cover a wide variety of topics and are designed to put you in control of your money.

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