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  • Lloyds Investment Funds – North American Fund

  • Lloyds Investment Fund Managers Limited

    Benefits

    • Designed for the potential to grow your money over the long term
    • Invests primarily in North American companies
    • Investment decisions delegated to a fund manager who is an expert in North American 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 North American securities. The Fund will be invested primarily in a diversified portfolio of North American 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 North American Fund work? The North American Fund is an investment in North American companies. The Fund aims to increase your capital over the longer term.
    What will I be investing in?

    Equities: the North American Fund invests in shares in North American companies.

    The portfolio may include technology, healthcare, oil and gas and a broad spread of other sectors.

    Minimum investment: £1,000 (or currency equivalent)
    Regular savings available (minimum £100/ $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
    • Euro
    • US dollar
     
    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 North American Fund for?

    Choose the North American Fund if you're looking for:

    • a more adventurous addition to your portfolio: typically you'll already have some low risk investments, and would like to invest some spare capital to provide potentially larger returns.
    • an investment in North American companies

    A short-term investment in equities has a high level of risk, as markets can be volatile. Equity investments potentially 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 North American Fund not for?

    The North American Fund is not the right choice for you if:

    • you don't want to risk your capital: if you can't afford to risk losing part of the sum you're investing.
    • you need a regular income from your investment: if you need a regular income – for example, to supplement a pension – take a look at our income funds.
    • you want to invest for the short term: if you plan to invest for less than 5 years
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

    Call us on:

    +44 (0)1539 879740

    Mon - Fri, 8am - 5pm UK time. Calls may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service. Call costs may vary depending on your service provider.
    Or contact your Relationship Manager

Lloyds Bank Corporate Markets plc is authorised and regulated in the UK as the non-ring fenced bank of the Lloyds Banking Group. The Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc are each separately licensed as regulated deposit-takers in their respective jurisdictions. Lloyds Bank Corporate Markets plc is independent from Lloyds Bank plc, which is authorised and regulated in the UK as the ring fenced bank of the Lloyds Banking Group. For more information on ring-fencing visit international.lloydsbank.com/ringfencing/.

Lloyds Bank International Limited and Lloyds Bank (International Services) Limited, both Jersey registered and regulated banks are subsidiaries of Lloyds Bank Corporate Markets plc, a UK Non-ring-fenced Bank. All such companies are part of Lloyds Banking Group plc and are independent from Lloyds Bank plc which is Lloyds Banking Group’s ring-fenced, UK regulated retail and commercial bank. For more information on ring-fencing visit international.lloydsbank.com/ringfencing.

Our International services are offered by Lloyds Bank Corporate Markets plc, Lloyds Bank International Limited, Lloyds Bank (International Services) 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 Corporate Markets plc. Registered Office and principal place of business: 25 Gresham Street, London, EC2V 7HN. Registered in England and Wales no. 10399850 with company number 10399850. Lloyds Bank Corporate Markets plc in the UK is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 763256. Authorisation can be checked on the Financial Services Register at www.fca.org.uk.

Services provided by the Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc will be subject to the regulatory regime applicable in their respective jurisdiction, which will differ in some or all respects from that of the UK. Further information about the regulatory status of the Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc, is set out below.

The Jersey branch of Lloyds Bank Corporate Markets plc, principal place of business 11-12 Esplanade, St Helier, Jersey JE2 3QA, is regulated by the Jersey Financial Services Commission to carry on deposit-taking business under the Banking Business (Jersey) Law 1991 and general insurance mediation business under the Financial Services (Jersey) Law 1998 and has also notified the Jersey Financial Services Commission that it carries on money service business. Lloyds Bank Corporate Markets plc, Jersey Branch, subscribes to the Jersey Code of Practice for Consumer Lending.

The Guernsey branch of Lloyds Bank Corporate Markets plc, 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 insurance intermediary business under the Banking Supervision (Bailiwick of Guernsey) Law, 1994, 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.

The Isle of Man branch of Lloyds Bank Corporate Markets plc, principal place of business 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 is also registered as an insurance intermediary in respect of general business.

Lloyds Bank International is a trading name of the Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc.

The paid up share capital and reserves of Lloyds Bank Corporate Markets plc at 31 December 2019 was £4.3bn. Copies of our terms and conditions are available on request from the above registered office. View the latest report and accounts (PDF, 998kB).

Lloyds Bank Corporate Markets plc, Jersey Branch trading as Lloyds Bank International 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.

Lloyds Bank Corporate Markets plc, Isle of Man Branch trading as Lloyds Bank International is a participant in the Isle of Man Depositors’ Compensation Scheme as set out in the Depositors’ Compensation Scheme Regulations 2010.

Lloyds Bank Corporate Markets plc, Guernsey Branch trading as Lloyds Bank International 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 722756 or post: P.O. Box 33, St Peter Port, GY1 4AT.

Deposits are not covered by the Financial Services Compensation Scheme under the Financial Services and Markets Act 2000 in the United Kingdom.

Deposits with the Guernsey branch of Lloyds Bank Corporate Markets plc will not be covered by any equivalent deposit compensation scheme to the Guernsey Banking Deposit Compensation Scheme in any other jurisdiction.

Complaints involving the Isle of Man branch of Lloyds Bank Corporate Markets plc that it cannot settle should be referred to the Financial Services Ombudsman Scheme in the Isle of Man. Complaints involving the Jersey and Guernsey branches of Lloyds Bank Corporate Markets plc that it cannot settle should be referred to the Channel Islands Financial Ombudsman.

Rules and regulations made under the Financial Services and Markets Act 2000 for the protection of 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: 11-12 Esplanade, St Helier, Jersey, JE2 3QA. 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.

Lloyds Bank (International Services) Limited. Registered office and principal place of business: 11-12 Esplanade, St Helier, Jersey, JE2 3QA. Lloyds Bank (International Services) Limited is incorporated in Jersey and is regulated by the Jersey Financial Services Commission to carry on deposit taking business under the Banking Business (Jersey) Law 1991. Lloyds Bank (International Services) Limited has also notified the Jersey Financial Services Commission that it carries on money services business.

Lloyds Bank Corporate Markets plc and Lloyds Bank (International Services) Limited are participants 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.

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.

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 (International Services) Limited are wholly owned subsidiaries of Lloyds Bank Corporate Markets plc. Lloyds Bank Corporate Markets 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 763256, and is part of the Lloyds Banking Group. Lloyds Bank International Limited and Lloyds Bank (International Services) Limited place funds with Lloyds Bank plc and Lloyds Bank Corporate Markets 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 Corporate Markets plc and Lloyds Bank (International Services) Limited and their respective parent company based upon publicly available information. Lloyds Bank Corporate Markets plc and Lloyds Bank (International Services) Limited's latest annual financial statements are available on our website at http://international.lloydsbank.com/legal-information/.

The paid up capital and reserves of Lloyds Bank International Limited was £81.7m at 31 December 2019. Copies of our terms and conditions are available on request from the above registered office. The latest report and accounts can be downloaded from http://international.lloydsbank.com/legal-information/.

The paid up capital and reserves of Lloyds Bank (International Services) Limited was £35.6m at 31 December 2019. Copies of our terms and conditions are available on request from the above registered office. The latest report and accounts can be downloaded from http://international.lloydsbank.com/legal-information/.

Lloyds Investment Fund Managers Limited. Registered office: 11-12 Esplanade, St Helier, Jersey, JE2 3QA. Authorised by the Jersey Financial Services Commission under the Collective Investment Funds (Jersey) Law 1988.

View 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.