• Lloyds Investment Fund Managers Limited

    Lloyds Investment Funds – International Fund

    Benefits

    • Designed for the potential to grow your money over the long term
    • Invests in international markets and companies
    • Investment decisions delegated to a fund manager who is an expert in international markets
    • Invest a lump sum and/or a regular monthly amount

    Need to know

    • The value of investments and the income from them can go down as well as up and cannot be guaranteed.
    • Changes in rates of exchange may cause the value of an investment to go up or down.
    • On selling investors may not get back the amount they originally invested.
    • This fund is available in many countries but not all.
Overview
  • Objective: To seek long term capital appreciation through investment in securities world-wide. The Fund will be invested primarily in a diversified portfolio of international equities and from time to time in securities convertible into equities.
    Risk

    There is a risk of loss to capital. Income and growth may fluctuate and you may not receive back the amount invested.

    How does the International Fund work? The International Fund is an easy way to invest in international markets. The Fund is managed by an experienced international Investment Manager and aims to grow your money over the medium to long term.
    What will I be investing in? Equities: the International Fund buys and sells shares in companies around the world. The return on your investment will depend on how well these companies and markets perform.
    Minimum investment: Lump sum from £1,000
    Regular savings available (minimum £100/ US$200/ €200) via our Regular Savings Plan
    Up front fee: Up to 5% of your investment
    Annual Management Charge: 1.5% of your investment
    Currencies available:
    • Sterling
    • US dollar
    • Euro
     
    Fund switching: Switch easily to any fund offered by Lloyds Investment Fund Managers at little or no cost. See prospectus for full details.
Is this fund right for me?
  • Who is the International Fund for?

    Choose the International Fund if you're looking for:

    • a stake in high-quality companies around the world including those with substantial overseas operations and revenue.
    • a long-term investment option without the very high levels of risk that accompany adventurous and specialist funds.

    A short-term investment in equities has a high level of risk, as markets can be volatile. All equity investments carry less risk over the longer term so you should plan to invest for the medium or long term – at least five years.

    Depending on legislation and regulations of the country you live in, this investment fund may not be available to you.

    Who is the International Fund not for?

    The International Fund is not the right choice for you if:

    • you don't want to risk your capital: if you're not happy with the risk that your investment could lose value.
    • you need a regular income: if you need a reliable income from your investment, for example to supplement a pension, take a look at our income funds.
Servicing your investment
    • Check the value of your investment online with our Online Portfolio Service  
    • You can request a paper statement
    • If you need to access your money, sell some or all of your shares in the fund without a charge by speaking directly to a fund representative
Key documents and risks
  • For help or to apply

    From the UK, call:

    0800 055 6358

    Outside the UK, call:

    +44 (0) 1624 641 825

    Mon-Fri 8am-6pm and Sat. 9.30am-1.30pm UK time. Calls may be monitored/recorded.
    Or contact your Relationship Manager

Our International services are offered by Lloyds Bank International Limited, Lloyds Bank (Gibraltar) Limited & Lloyds Investment Fund Managers Limited. See company Information. Whilst our services will be available to many customers, there are countries where, due to legal or regulatory restraints, we cannot provide them.

Rules and regulations made under the UK Financial Services and Markets Act 2000 for the protection of depositors and investors, including the Financial Services Compensation Scheme, do not apply to the financial services business of companies within the Lloyds Banking Group carried out from offices outside of the United Kingdom.

Lloyds Bank International Limited. Registered office and principal place of business: P.O. Box 160, 25 New Street, St. Helier, Jersey JE4 8RG. Lloyds Bank International Limited is incorporated in Jersey, No. 4029 and is regulated by the Jersey Financial Services Commission to carry on deposit-taking business under the Banking Business (Jersey) Law 1991 and investment and general insurance mediation business under the Financial Services (Jersey) Law 1998. Lloyds Bank International Limited subscribes to the Jersey Code of Practice for Consumer Lending and has also notified the Jersey Financial Services Commission that it carries on money service business.

The paid up capital and reserves of Lloyds Bank International Limited was £895m as at 31 December 2015.

Lloyds Bank International Limited is a participant in the Jersey Bank Depositors Compensation Scheme. The Scheme offers protection for eligible deposits of up to £50,000. Eligible deposits are deposits held by private individuals and charities. Depositor protection does not extend to corporations, small to medium sized enterprises, partnerships and trusts. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details of the Scheme and banking groups covered are available on the States of Jersey website www.gov.je/dcs or on request.

The Guernsey branch of Lloyds Bank International Limited, principal place of business PO Box 136, Sarnia House, Le Truchot, St Peter Port, Guernsey, GY1 4EN, is licensed by the Guernsey Financial Services Commission to take deposits and to carry on controlled investment business and insurance intermediary business under The Banking Supervision (Bailiwick of Guernsey) Law, 1994, The Protection of Investors (Bailiwick of Guernsey) Law, 1987 (as amended) and The Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law, 2002 (as amended), respectively, and is also registered with the Guernsey Financial Services Commission as a money service provider.

Lloyds Bank International Limited is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for 'qualifying deposits' up to £ 50,000, subject to certain limitations. The maximum total amount of compensation is capped at £ 100,000,000 in any 5 year period. Full details are available on the Scheme’s website: www.dcs.gg or on request from Telephone: +44 (0) 1481 706359 or Post: P.O. Box 53, 1 Smith Street, St Peter Port, GY1 4BD.

The Isle of Man branch of Lloyds Bank International Limited of PO Box 111, Peveril Buildings, Peveril Square, Douglas, Isle of Man IM99 1JJ is licensed by the Isle of Man Financial Services Authority to conduct deposit-taking and investment business and is also registered as an insurance intermediary in respect of general business.

Lloyds Bank International Limited is a participant in the Isle of Man Depositors’ Compensation Scheme as set out in the Depositors’ Compensation Scheme Regulations 2010.

Lloyds Bank (Gibraltar) Limited. Registered office and principal place of business: Royal Ocean Plaza, Ocean Village, Gibraltar, GX11 1AA. Registered in Gibraltar, no 99982. Regulated and authorised by the Gibraltar Financial Services Commission for the conduct of banking, investment and insurance mediation business. Lloyds Bank (Gibraltar) Limited is a participant in the Gibraltar Deposit Guarantee Scheme and a participant in the Gibraltar Investor Compensation Scheme. Details of the schemes are available on request.

Please note that, in relation to banking services which we provide, you might not be eligible for compensation under a deposit protection guarantee scheme available in your country of residence. If in doubt, contact your local banking regulator, visit their website or seek independent advice.

Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited are wholly owned subsidiaries of Lloyds Bank plc. Lloyds Bank plc is incorporated in the United Kingdom, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278, and is part of the Lloyds Banking Group. Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited place funds with Lloyds Bank plc and thus their financial standing is linked to that of the group. Depositors may wish to form their own view on the financial standing of Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited and their parent based upon publicly available information. Download Lloyds Bank International Limited’s latest annual financial statements. Lloyds Bank (Gibraltar) Limited’s latest annual financial statements are available through Companies’ House in Gibraltar at www.companieshouse.gi.

Lloyds Investment Fund Managers Limited. Registered office: PO Box 160, 25 New Street, St Helier, Jersey JE4 8RG. Authorised by the Jersey Financial Services Commission under the Collective Investment Funds (Jersey) Law 1988.

View our our information on how to complain.

Legislation or regulations in your home jurisdiction may prohibit you from entering into such a transaction with us. We reserve the right to make final determination on whether you are eligible for any products or services. Residents or Nationals of certain jurisdictions may be subject to exchange controls and should seek independent advice before entering into any transactions with us.

Please note that, in relation to banking services which we provide, you might not be eligible for compensation under a deposit protection guarantee scheme available in your country of residence. If in doubt, contact your local banking regulator, visit their website or seek independent advice.