Business Details
Trusted Financial Services in Cheadle
Established in 1826, Shepherds Friendly has built a legacy of trust and fairness in financial services. As a member-owned mutual society, we prioritise our clients' financial security through transparent, accessible products. Our expertise spans investment management, life insurance, and income protection, supported by a team with decades of industry experience. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority, ensuring rigorous compliance with financial standards. Our commitment to responsible investing and customer-centric service has earned us a 4.61 average rating from over 2,964 reviews.With FSCS protection and a focus on sustainable practices, we deliver reliable solutions tailored to long-term financial goals. Our innovative approach combines expert fund management with user-friendly digital tools, enabling clients to manage investments seamlessly. Recognised for our ethical practices, we hold Investors in People Platinum status and actively support community initiatives. By reinvesting profits for member benefit, we maintain our founding principle of fairness while adapting to modern financial needs.
Services
Investment ISA
Junior ISA
Over 50s Life Insurance
Income Protection
Fixed Rate Bonds
Highlights and features
- 200 years of experience in member-focused financial services
- Expert fund management by Royal London Asset Management
- 90% member recommendation rate for service quality
- FSCS protection for eligible investments
- Ethical investing with environmental and social responsibility
Associations and certifications
- Prudential Regulation Authority
- Financial Conduct Authority
- Financial Services Compensation Scheme (FSCS)
- Investors in People Platinum
What people say
Quick setup
Great app
Easy and quick
Good 6 months
Happy with it
Services
Investment ISA
Our Investment ISA offers tax-efficient growth through a with-profits fund managed by Royal London Asset Management. Quarterly bonuses aim to smooth market volatility while delivering medium-term returns. Expert fund managers diversify across equities, bonds, and property with 1.5% annual management charge. Suitable for beginners and experienced investors seeking steady growth, though capital remains at risk with no guaranteed returns.
Over 50s Life Insurance
Guaranteed acceptance life insurance for ages 50-80 with fixed premiums from 10 monthly. Provides tax-free lump sum for funeral costs or debts, payable within 2 years of policy start. Includes optional Co-op Funeralcare discount of up to 250. No medical questions required, with coverage continuing until age 90 while maintaining FSCS protection for policyholder security.
Junior ISA
Tax-free investment account for children up to 9,000 annual allowance. With-profits fund guarantees maturity value with quarterly bonuses since 2011. Funds become accessible at age 18 for education, housing, or personal goals. Family contributions allowed, managed responsibly with environmental screening. Market value reductions may apply for early exits.
Income Protection
Covers up to 70% of income (33,600 max) for illness/injury-related work absence. Flexible waiting periods from 1 week with claims paid for 1-2 years. Enhanced benefits include Nuffield Health access and bereavement support. 96% claims approval rate in 2024 with specialist handling. Excludes redundancy, with coverage ending at age 70.
Fixed Rate Bonds
Five-year fixed-rate bonds with 3.41% AER guarantee. FSCS-protected investments from 1,000 to 125,000. No early withdrawals permitted except exceptional circumstances. Pays lump sum on maturity or death, with tax implications for higher-rate payers. Previously offered cashback incentives for new accounts.
Questions
What investment options does Shepherds Friendly offer?
We provide ISAs with with-profits funds, fixed-rate bonds, and protection plans. Our investment approach balances growth potential with risk management through diversified asset allocation.
How can I make a life insurance claim?
Submit our online claim form with supporting documents. Our team processes claims promptly, typically confirming within 48 hours of receipt.
Are my investments protected?
Eligible investments receive FSCS protection covering 100% of value up to regulatory limits, with additional safeguards from our prudent financial management.
Can I transfer existing ISAs?
Yes, we facilitate tax-free transfers of existing ISAs without losing allowance benefits. Our team assists with the complete transfer process.
What happens to Junior ISAs at maturity?
Funds become accessible when the child turns 18, transferable to an adult ISA or withdrawable. We guarantee maturity value subject to market conditions.
Do you charge for withdrawals?
No withdrawal fees apply, though early exits from investment products may incur market value reductions depending on fund performance.
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