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.

A lump sum is a single deposit of money – perhaps savings you’ve built over time or a one-off payment you’ve received. Whether you have a few hundred or several thousand pounds, make your money work harder by placing it into a lump sum investment account.

Sheffield Mutual offers various options designed to fit your financial goals and lifestyle. Choose from tax-free Single Premium Investment ISAs, Investment Bonds, Income Bonds, and our exclusive Capital Plan, which feeds into a Tax Exempt Savings Plan (TESP). Whatever your aspirations, we’re here to help your money grow.

About our Lump Sum Savings Accounts

Receiving a large one-off sum, whether from hard-earned savings, inheritance, a property sale, or a gift, is an exciting opportunity. You may now be wondering how to manage it wisely. At Sheffield Mutual, our lump sum investment accounts could allow your money to grow in line with your goals, lifestyle, and comfort level.

Where to Invest a Lump Sum of Money: 

Investing can be a rewarding way to grow your money, but finding an option that feels right for you is crucial. That’s why we offer a range of lump sum investment products with various rates, terms, and levels of flexibility. When deciding which account is most suitable, it’s helpful to think about:

  • How much you’d like to invest

  • How long you’re comfortable leaving it

  • Whether you might need access to it or wish to draw an income 

  • Tax efficiency

Explore all our lump sum investment products, and for any extra assistance, please use our handy Product Selector or contact our team directly. If you’re keen to invest, you might also be interested in our Regular Investment ISA, Investment Junior ISA, and Sustainable Investing Options. Please note that all investments carry risk, so only invest amounts you are comfortable with.

For more information on the risks, please refer to the relevant 'risks you should be aware of' section for each product.

Help & support See all help & support articles

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.

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

FSCS protected

We are part of the Financial Services Compensation Scheme.

Visit FSCS

Dedicated team

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

Meet the team

Let's keep in touch

Keep up to date with news, offers, competitions and other products and services that we offer via email

Please only include first and last name