About Us

Doing things the right way, since 1835.

We’re committed to providing ethical savings and investment products that perform, for the benefit of your clients.
We’re always happy to hear from you, so if there is anything specific that you’d like to know about the way we do business, just give us a call or email. You’ll find the details at the bottom of the page.

A truly ethical organisation

We don’t just try to be ethical in the ways we invest – we also make sure we do things the right way in all aspects of our business.

This includes:

  • Treating members fairly, with respect and courtesy at all times
  • Maintaining the highest standards of corporate governance
  • Making sure claims, withdrawals and surrenders are processed immediately
  • Being fair to employees and promoting equality
  • Attempting to reduce our environmental impact through effective use of resources and recycling
  • Ensuring suppliers and intermediaries are paid promptly
  • Using fairly traded products whenever possible

With-profits investments


When you invest in our With-profits Fund you can be sure that your money will never be invested directly in companies involved in the alcohol, arms or tobacco industries and gambling and pornography providers. It’s the same ethical commitment today that we’ve had since we were formed way back in 1835.

Child Trust Funds

You wouldn’t want your children's money to support the alcohol, arms or tobacco industries, or gambling and pornography providers – so we’re particularly careful to make sure that our ethical Child Trust Fund never invests directly in any of them.

Shareholder engagement


We want to do things the right way – and we encourage others to do the same. That’s why we carefully monitor how our fund managers, Investec, use their votes at the AGMs of companies we’ve invested in – and ask them to vote against all issues of poor governance, over compensation and environmental waste.

A Mutual Society

Putting you first

We’re a mutual, friendly and ethical society – and so everything we do is for the good of our members. We have no shareholders to please – and so all of the profits we make are used for the benefit of our members.

Mutuality
benefits you

Our mutuality means that we’re run for the benefit of our members – and that profits stay within the organisation for the benefit of all, rather than leaving and going into the pockets of shareholders. To find out more about mutuality – its history and its benefits – head to the Association of Financial Mutuals (AFM) website

Click here to find out more

Tax Exempt Savings

Only friendly societies like ours are able to offer Friendly Society Tax Exempt Savings Plans – you won’t find them anywhere else.

Clients and their family can save up to £25 per month and enjoy the proceeds – without paying a penny of income or capital gains tax.