We know that choosing an investment fund can be a little daunting. So to make investing a little easier, we've carefully selected three funds from Fidelity International™ investment fund range.

They offer outstanding value for money and are a great choice for those investors who want a general equity or bond investment. They also have no up front charges or fees.

You can choose to invest a lump sum or save regularly in one of our three carefully selected investment funds.

You also have the flexibility to invest inside or outside an ISA giving you the option to maximise your tax-efficient ISA allowance.

It's for anyone who wants to invest in a stocks and shares type investment over the medium to long-term and is aware of the risks of investing in the stock market.

Stock market investments can generate a higher return in the medium to long term compared to cash based accounts. But whilst there is potential for strong growth, there is also risk involved which means your investment will go up and down in value and you may get back less than you've paid in.

We've carefully selected three funds from Fidelity International™ that we believe will be suitable for most of our investors. They offer outstanding value for money and are a great choice for those investors who want a general equity or bond investment.

1. MoneyBuilder Balanced Fund

2. MoneyBuilder Growth Fund

3. MoneyBuilder Income Fund

> Find our more about our funds

If you're an experienced investor looking for something more adventurous, you could build your own investment portfolio using Fidelity's Fund Network.

Fidelity's Fund Network gives you access to over 1,100 investment funds from 65 leading providers. It is designed for those who want to build and manage their own investment portfolio and is ideal for those who know the funds they want to invest in.

> Find our more about building your own portfolio

Fidelity International™ began managing investments in 1969 and is part of Fidelity, one of the world's leading investment fund managers. Fidelity International™ manages over £650 billion in assets and their fund supermarket was one of the first to launch in the UK in June 2000.

Fidelity's team of expert investment managers are continually researching stock markets and seeking new investment opportunities whilst constantly reviewing the performance of their investments around the world.

You can invest up to a maximum of £10,680 each tax year if you invest inside an ISA. However, whatever you invest in a Cash ISA must be taken away from your total ISA allowance of £10,680.

So if you invest £2,000 in a Cash ISA, you'll have £8,680 left to invest in a Stocks and Shares ISA in a tax year.

You can invest more than your ISA limit, but you won't get the same benefits associated with an ISA once you are past your personal ISA allowance.

Once you've used your ISA allowance, you can invest in the same funds outside of an ISA

It is very difficult to predict exactly what you'll get back as your payout will depend on the performance of the fund you choose to invest in.

As this is a stock market investment, you have the potential for significant growth. But due to the nature of the investment the value of your plan can go down as well as up.

There are no set interest rates for any of the three featured investment funds and you may get back less than you invested.

You can access money whenever you need to as there is no fixed term. But remember, you should be looking to invest for the medium to long term. Typically at least five years.

Due to the nature of the investment the value of your plan can go down as well as up and you could get back less than you invested.

Once your new investment has been opened, you'll be provided with your own secure online account which you can access 24 hours a day 7 days a week.

Once your online account has been opened, you will be able to take advantage of a number of benefits.

• Review the current value of your fund at any time.
• Withdraw and transfer your investment.
• Top up your investment and set up regular payments at any time.
• Buy, sell or transfer any investments.
• Re-register any funds you hold elsewhere under one account.

You can invest from £500 as a lump sum or invest regularly from £50 a month by Direct Debit.

If you are not using your ISA allowance, there is no maximum investment limit.

However, if you are investing inside an ISA there are limits. You can invest up to a maximum of £10,680 each tax year if you invest inside an ISA.

There is no fixed term so you can withdraw all or part of your money at any time using your online account. But remember,  you should be looking to invest for the medium to long term.

Once your new investment has been opened, you'll be provided with your own secure online account which you can access 24 hours a day 7 days a week.

Due to the nature of the investment the value of your plan can go down as well as up and you could get back less than you invested.

Regular payments of £50 or more can only be made by Direct Debit.

You can start, stop and change your regular payments and make additional lump-sum investments within your personal online account once it has been set up.

You can pay in additional lump sums of £250 or more and increase any regular payments as much as you like. You just need to make sure you don't go over your limit if you're investing inside an ISA.

You can invest up to a maximum of £10,680 each tax year if you invest inside an ISA.

Any current or retired members of the Police Service can invest in any of the investment funds.

And your family is welcome too. Partners and your wider family including parents, brothers and sisters, children and grandchildren can all benefit by opening an investment and becoming members of Police Mutual.

Yes you can transfer your current ISA to us once your investment has been set up using your personal online account.

Current tax-year ISA investments must be transferred in full, but previous years' allowances may be split between different providers.

You can review the performance of your investment at any time by using your secure online personal account.

Fidelity FundsNetwork™ will also send you a statement once a year showing the performance of your investments over the previous 12 months.

There are no set interest rates for any of the available investment funds.

Overview

This fund invests in UK company shares. It may suit you if you're happy to accept the risk of your investment value moving up and down with the performance of larger UK based companies.

With this fund, you should be looking for better returns over a longer time period, focused on different types of companies that are influenced by the UK economy. It's important to understand that there are no guarantees and the value of the investment will go down as well as up.

The technical details about the fund are given below. This text explains how the fund invests and what you can expect from it. If you need more information about the fund, please contact us or speak to your Financial Adviser.

Fund Objective

The fund's objective is to achieve long-term capital growth from a portfolio made up of the shares of UK companies, typically holding 60-80% in FTSE 100 stocks. The portfolio is likely to have a bias towards larger companies, although the fund manager is not restricted in its choice of company by either size or industry.

Any income received from the underlying investments is reinvested back into the fund although you can choose to have this paid to you twice a year.

Fund Aims

The fund manager aims to generate returns by selecting shares which create both income and capital gains. They do this by investing mainly in UK based companies, with many of them in the FTSE 100 Index.

The fund will be heavily influenced by the performance of the larger companies in the FTSE 100, although the manager has the flexibility to also invest in smaller companies

Charges and Investment Performance

You can find out more about this fund including charges and investment performance by viewing the relevant fund fact sheets on Fidelity's website.

> Non- ISA Fund Factsheet

> ISA Fund Factsheet

Overview

This fund invests in a mix of UK company shares and bonds, with the aim of providing a balance between income and growth. It may suit you if you're happy to accept the risk of your investment value moving up and down with the performance of larger UK based companies.

With this fund, you should be looking for a large proportion of their investment to be in shares, but also a significant amount in bonds which provide a more stable level of income for the fund. It's important to understand that there are no guarantees and the value of the investment will go down as well as up.

The technical details about the fund are given below. This text explains how the fund invests and what you can expect from it. If you need more information about the fund, please contact us or speak to your Financial Adviser.

Fund Objective

The fund's objective is to achieve an attractive level of income together with some long term capital growth from a portfolio invested primarily in the UK. The portfolio will be invested in a combination of UK government and corporate bonds and other fixed interest securities, preference shares, convertibles and ordinary shares.

The portfolio is likely to have a bias towards larger companies, although the fund manager is not restricted in its choice of company by either size or industry.

Any income received from the underlying investments is reinvested back into the fund although you can choose to have this paid to you as a monthly income.

Fund Aims

The fund manager aims to achieve an attractive level of income and some long term capital growth. It does this by investing mostly in a mix of shares in UK companies plus corporate and government bonds. The proportion invested in shares may typically be 65% of the fund value (although this can vary).

Charges and Investment Performance

You can find out more about this fund including charges and investment performance by viewing the relevant fund fact sheets on Fidelity's website.

> ISA and Non- ISA Fund Factsheet

Overview

This fund invests in UK bonds, with the aim of providing a good level of income. It may suit you if you're looking for a monthly income from your investment.

With this fund, you should be looking to generate income mostly from large UK based companies with high credit ratings. It's important to understand that there are no guarantees and the value of the investment and any income from it will go down as well as up

The technical details about the fund are given below. This text explains how the fund invests and what you can expect from it. If you need more information about the fund, please contact us or speak to your Financial Adviser.

Fund Objective

The Fund's investment objective is to achieve an attractive level of income from a portfolio primarily invested in sterling-denominated fixed interest securities.

Fund Aims

The fund manager aims to generate a monthly income for the investor. This is done by investing primarily in higher grade UK based corporate bonds, government bonds, lower grade corporate bonds and other fixed interest securities.

In trying to achieve an income, it does not specifically target any capital growth, although the option to reinvest income is available.

Charges and Investment Performance

You can find out more about this fund including charges and investment performance by viewing the relevant fund fact sheets on Fidelity's website.

> Non- ISA Fund Factsheet

> ISA Fund Factsheet

Access over 1,100 investment funds

Fidelity's Fund Network gives you access to over 1,100 investment funds from 65 leading providers. It is designed for those who want to build and manage their own investment portfolio and is ideal for those who know the funds they want to invest in.

Once registered, you can view all the available funds from within the application process.

> Register and apply for an ISA account

> Register and apply for an Non ISA account