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Energy, Originality, Conviction: Kick-start your career at M&G
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Contents
Welcome to M&G 1
Who is M&G? 2
Understanding Investments 4
M&G and Prudential Group 6
Our Brand 8
Socially Responsible Investing 10
M&G Life 12
Culture and People 15
Rewards and Benefits 16
Career Mobility and Development 18
Life as a Graduate 22
Internships and Placements 23
Apprentices 24
Words in italics can be found in the Jargon Buster page at the end of this brochure
1
Welcome to M&GInnovative culture, training and development support, a great work/life balance and engaging assignments… these are just some of the reasons why our staff enjoy working at M&G. Do you want to join them?
Recruiting and retaining talent is vital to continuing success. Investing in your development is just the beginning.
M&G is a strong investment brand providing equities, fixed income, real estate and multi-asset products to the retail and institutional markets. Our brand has been built over decades and is based on a reputation for integrity, innovation and a commitment to building long-term wealth for our investors. The desire to do the right-thing for our customers and to provide simple, transparent products that our customers can trust and understand is ingrained in the way we do business.
Whether you’re a school leaver, an undergraduate or a graduate, we have fantastic opportunities that will give you an exciting and rewarding career. Take a look through our brochure to find out what we have to offer and if you like the sound of our programmes apply online at www.mandg.co.uk/careers. You may be surprised by the variety of roles we offer.
“Our business depends on enthusiastic, talented and hardworking people who create the investment products and manage the operations that our customers rely on to help them save for their future. Our approach has allowed M&G to become a market leader in asset management. We encourage diversity of thought, which is only possible if we attract people from all backgrounds – educational, cultural, ethnic, social and many others – and benefit from their different ideas and experiences.
There is one common theme that exists among all our colleagues at M&G and that is our duty to keep customers at the heart of everything that we do. We understand that what we do as a company directly affects the lives of our customers and we care about their future prosperity. This drives us to set high standards and then try to find ways of doing even better. We can only do this through the dedication and commitment that our talented individuals show every day.”
Anne RichardsChief ExecutiveM&G Investments
Welcome to M&G 1
Who is M&G? 2
Understanding Investments 4
M&G and Prudential Group 6
Our Brand 8
Socially Responsible Investing 10
M&G Life 12
Culture and People 15
Rewards and Benefits 16
Career Mobility and Development 18
Life as a Graduate 22
Internships and Placements 23
Apprentices 24
2
We’re not your average financial services firm and our unique culture is just one aspect that makes us stand out from the crowd. We offer a supportive environment that encourages innovation and creativity whilst maintaining a healthy lifestyle balance.
You will be joining one of Europe’s leading Investment Management firms where you can expect real responsibility and recognition from day one. We are large enough to offer a wide variety of career opportunities, whist small enough to treat you as an individual and tailor training and rotations to your specific needs.
Prudential plc is an international financial services group with significant operations in Asia, the US and the UK, providing Life Insurance, Pension and Investment Management capabilities across these regions. We provide protection and savings opportunities to our customers, social and economic benefits to the communities in which we operate, jobs and opportunities to our employees and financial benefits for our investors. The Group is structured around four main business units: Prudential Corporation Asia, Jackson National Life Insurance Company, Prudential UK and M&G.
Being part of the Prudential provides M&G with some significant commercial advantages, including co-investment opportunities and seed capital for our investment ideas. We are also able to take advantage of our brand and networks across the different regions sharing experience and expertise.
To find out more about Prudential visit www.prudential.co.uk
Who is M&G?
3
2013First social housing
deal lending to multiple Welsh
housing associations
2010First inflation-linked corporate bond fund
for end investors
2011First long lease property fund to
reach £1bn
1931First unit trust tailored to end investors in the UK,
launching the UK mutual fund industry
1998First retail high yield corporate
bond fund
1935First flexible
unit trust
1994First retail corporate bond fund
1971First Japanese equity
fund from a UK asset manager
1954First investment savings plan for
a unit trust
1964First equity income fund
1961First unit trust
for charities
1973First commodity
fund
1969First ‘recovery’
equity fund
2009First multimedia fund
information channel – iView
2006First fully flexible
bond fund
1999First
institutional investor in European leveraged
loans
4
Understanding Investments
How property works
Commercial property is investing inbuildings used by businesses, such asoffices, shopping centres and factories.
When you buy a property, your income is in the form of regular rent. Commercial leases tend to last a long time and commercial tenants are more reliable.
There is also the potential for capital growth when you eventually sell your property.
The investors become shareholders, partial owners of the company. They get a percentage share in its profits and losses and get to vote on how the company is run.
A company can raise money to invest or expand by splitting its ownership into shares (also known as equities) and selling them to investors.
How equities work
Capital growthYou’ll make money if you sell your shares at
a higher price than you bought them.
Income: receive dividendsThe company decides how much profit to pay
in dividends and how much to reinvest.
A bond is basically a loan. When you buy a bond, you lend money to the government or company that issued it and they pay you interest.
After buying a bond, you don’t have to hold onto it until the end date. Just as shares can be bought and sold on the stock market, so can bonds.
How bonds work
At the time when the loan is scheduled to end (the maturity), the amount you originally lent is paid back to you.
Cash offers very little potential
for growth or income. However, it can be the most secure place for your money
as the Financial Services Compensation Scheme will pay compensation up to £85000 if your
bank or building society becomes insolvent.
Bonds may be appealing if you need a regular income or
are just looking for a lower-risk place to store
your savings that still has more growth potential
than cash.
Equities can be right for you if you are comfortable with the
idea that the potential for strong growth also comes
with the possibility for greater losses.
Property offers an attractive
combination of a regular income and some
potential for growth, particularly if you invest
in a fund that buys property directly.
£
The value of investments will fluctuate, which will cause prices to fall aswell as rise and you may not get back the original amount you invested.
What is Investment Management?Investment management plays a meaningful role in today’s society and financial system. Investment managers help grow clients’ money over the long-term in order to provide stable and reliable returns.
Clients could be classed as institutional such as pension funds of major international companies, insurance companies etc. Retail clients could be individually investing through ISA products or private bankers/wealth managers acting on behalf of individuals.
At M&G our investment managers follow their own strategies, ideas and convictions, which provide diversity of thought, fostering a rich breeding ground for discussion and internal challenge.
At M&G we not only manage external client money, we invest our own capital in our funds, creating a more compelling investment proposition for our clients.
Investment Management can offer you exciting and challenging job prospects, whilst providing you with a dynamic and rewarding career.
5
How property works
Commercial property is investing inbuildings used by businesses, such asoffices, shopping centres and factories.
When you buy a property, your income is in the form of regular rent. Commercial leases tend to last a long time and commercial tenants are more reliable.
There is also the potential for capital growth when you eventually sell your property.
The investors become shareholders, partial owners of the company. They get a percentage share in its profits and losses and get to vote on how the company is run.
A company can raise money to invest or expand by splitting its ownership into shares (also known as equities) and selling them to investors.
How equities work
Capital growthYou’ll make money if you sell your shares at
a higher price than you bought them.
Income: receive dividendsThe company decides how much profit to pay
in dividends and how much to reinvest.
A bond is basically a loan. When you buy a bond, you lend money to the government or company that issued it and they pay you interest.
After buying a bond, you don’t have to hold onto it until the end date. Just as shares can be bought and sold on the stock market, so can bonds.
How bonds work
At the time when the loan is scheduled to end (the maturity), the amount you originally lent is paid back to you.
Cash offers very little potential
for growth or income. However, it can be the most secure place for your money
as the Financial Services Compensation Scheme will pay compensation up to £85000 if your
bank or building society becomes insolvent.
Bonds may be appealing if you need a regular income or
are just looking for a lower-risk place to store
your savings that still has more growth potential
than cash.
Equities can be right for you if you are comfortable with the
idea that the potential for strong growth also comes
with the possibility for greater losses.
Property offers an attractive
combination of a regular income and some
potential for growth, particularly if you invest
in a fund that buys property directly.
£
The value of investments will fluctuate, which will cause prices to fall aswell as rise and you may not get back the original amount you invested.
How property works
Commercial property is investing inbuildings used by businesses, such asoffices, shopping centres and factories.
When you buy a property, your income is in the form of regular rent. Commercial leases tend to last a long time and commercial tenants are more reliable.
There is also the potential for capital growth when you eventually sell your property.
The investors become shareholders, partial owners of the company. They get a percentage share in its profits and losses and get to vote on how the company is run.
A company can raise money to invest or expand by splitting its ownership into shares (also known as equities) and selling them to investors.
How equities work
Capital growthYou’ll make money if you sell your shares at
a higher price than you bought them.
Income: receive dividendsThe company decides how much profit to pay
in dividends and how much to reinvest.
A bond is basically a loan. When you buy a bond, you lend money to the government or company that issued it and they pay you interest.
After buying a bond, you don’t have to hold onto it until the end date. Just as shares can be bought and sold on the stock market, so can bonds.
How bonds work
At the time when the loan is scheduled to end (the maturity), the amount you originally lent is paid back to you.
Cash offers very little potential
for growth or income. However, it can be the most secure place for your money
as the Financial Services Compensation Scheme will pay compensation up to £85000 if your
bank or building society becomes insolvent.
Bonds may be appealing if you need a regular income or
are just looking for a lower-risk place to store
your savings that still has more growth potential
than cash.
Equities can be right for you if you are comfortable with the
idea that the potential for strong growth also comes
with the possibility for greater losses.
Property offers an attractive
combination of a regular income and some
potential for growth, particularly if you invest
in a fund that buys property directly.
£
The value of investments will fluctuate, which will cause prices to fall aswell as rise and you may not get back the original amount you invested.
How property works
Commercial property is investing inbuildings used by businesses, such asoffices, shopping centres and factories.
When you buy a property, your income is in the form of regular rent. Commercial leases tend to last a long time and commercial tenants are more reliable.
There is also the potential for capital growth when you eventually sell your property.
The investors become shareholders, partial owners of the company. They get a percentage share in its profits and losses and get to vote on how the company is run.
A company can raise money to invest or expand by splitting its ownership into shares (also known as equities) and selling them to investors.
How equities work
Capital growthYou’ll make money if you sell your shares at
a higher price than you bought them.
Income: receive dividendsThe company decides how much profit to pay
in dividends and how much to reinvest.
A bond is basically a loan. When you buy a bond, you lend money to the government or company that issued it and they pay you interest.
After buying a bond, you don’t have to hold onto it until the end date. Just as shares can be bought and sold on the stock market, so can bonds.
How bonds work
At the time when the loan is scheduled to end (the maturity), the amount you originally lent is paid back to you.
Cash offers very little potential
for growth or income. However, it can be the most secure place for your money
as the Financial Services Compensation Scheme will pay compensation up to £85000 if your
bank or building society becomes insolvent.
Bonds may be appealing if you need a regular income or
are just looking for a lower-risk place to store
your savings that still has more growth potential
than cash.
Equities can be right for you if you are comfortable with the
idea that the potential for strong growth also comes
with the possibility for greater losses.
Property offers an attractive
combination of a regular income and some
potential for growth, particularly if you invest
in a fund that buys property directly.
£
The value of investments will fluctuate, which will cause prices to fall aswell as rise and you may not get back the original amount you invested.
How property works
Commercial property is investing inbuildings used by businesses, such asoffices, shopping centres and factories.
When you buy a property, your income is in the form of regular rent. Commercial leases tend to last a long time and commercial tenants are more reliable.
There is also the potential for capital growth when you eventually sell your property.
The investors become shareholders, partial owners of the company. They get a percentage share in its profits and losses and get to vote on how the company is run.
A company can raise money to invest or expand by splitting its ownership into shares (also known as equities) and selling them to investors.
How equities work
Capital growthYou’ll make money if you sell your shares at
a higher price than you bought them.
Income: receive dividendsThe company decides how much profit to pay
in dividends and how much to reinvest.
A bond is basically a loan. When you buy a bond, you lend money to the government or company that issued it and they pay you interest.
After buying a bond, you don’t have to hold onto it until the end date. Just as shares can be bought and sold on the stock market, so can bonds.
How bonds work
At the time when the loan is scheduled to end (the maturity), the amount you originally lent is paid back to you.
Cash offers very little potential
for growth or income. However, it can be the most secure place for your money
as the Financial Services Compensation Scheme will pay compensation up to £85000 if your
bank or building society becomes insolvent.
Bonds may be appealing if you need a regular income or
are just looking for a lower-risk place to store
your savings that still has more growth potential
than cash.
Equities can be right for you if you are comfortable with the
idea that the potential for strong growth also comes
with the possibility for greater losses.
Property offers an attractive
combination of a regular income and some
potential for growth, particularly if you invest
in a fund that buys property directly.
£
The value of investments will fluctuate, which will cause prices to fall aswell as rise and you may not get back the original amount you invested.
6
M&G and Prudential Group
Although our heritage and headquarters are British, we have a long history of investing internationally and forging global relationships. We currently have a presence in all major European markets and in Asia.
The AmericasUnited States 1961
7M&G offices Prudential offices
EuropeUK 1848
UK 1931
Italy 2004
Austria 2005
Germany 2005
Spain 2005
France 2007
Netherlands 2011
Sweden 2012
Finland 2012
Switzerland 2013
AsiaSingapore 2011
Hong Kong 2012
Japan 2016AfricaGhana 2013
Kenya 2014
Uganda 2015
Our Brand
8
9
‘Responsible investment’ can mean different things to different people. Taking a long-term approach, acting as stewards of our clients’ assets and considering environmental, social and governance (ESG) factors are at the heart of M&G’s investment processes. We believe in the importance of sustainable investment to support our clients’ long-term goals, and that investing responsibly is vital for the long-term stability of the market and the health of the broader economy.
At M&G we take our responsibility as investors seriously. Our investment teams are deeply aware of their duties towards our clients, and consider the range of factors that can influence investment performance. Alongside traditional financial factors, ESG issues are incorporated into investment decisions where they may have a meaningful impact. Examples of ESG issues include pollution and waste, health and safety, human rights and executive remuneration. We believe these, and many other issues, can be as important as analysing the balance sheet in determining sustainable success for companies. We focus on the issues that we consider most relevant to the company or industry in question.
Responsible Investing
10
Islington and Shoreditch Housing Association
We apply this approach across all asset classes. In Equities, we have a long history of active share ownership and consider ESG issues in our interactions with companies, via engaging with management and voting on company resolutions. These activities are overseen by our Corporate Finance & Stewardship department, who work closely with our investment teams to support companies in managing their risks and improving their performance on a variety of ESG issues.
For Fixed Income, we believe that integrating ESG issues into our investment process helps us to better understand downside risk for our bond investments. We have also provided financing for a range of socially and environmentally beneficial investments in areas including affordable housing, education, green property developments and renewable energy.
Our Real Estate business has long been regarded as a pioneer in responsible investment. We believe that by adopting a sector-leading approach to responsible property investment, we can respond to the growing range of environmental and social issues that can impact property values. We feel that this helps us protect and improve fund and asset performance for our clients.
At M&G, we believe that responsible investment makes compelling investment sense, as well as simply being the right thing to do. It is an area our clients, and society more broadly, are increasingly focused on – we see it as our responsibility to live up to these expectations.
11
Alder Hey Children’s Hospital
12
M&G Life
At M&G diversity of thought is a key factor to our continued success. We achieve this by recruiting a diverse range of people. From a graduate, intern and apprentice perspective, this is evidenced by the variety of universities, schools, degree disciplines and backgrounds of our cohorts. In short, the subject of your degree or A levels are not important in our assessment process, we encourage difference.
We support and collaborate with several organisations who aim to address under-represented groups in the workplace. In 2014 we launched M&G Pride and Pride Allies, our LGBT networks, whose objective is to foster a supportive environment enabling all employees to bring their full selves to work. We also support Citymothers and Cityfathers who help working parents balance family life and their career.
The Prudential Women’s Network (PWN), is a volunteer-led organisation. The network aims to inspire, support and develop women to achieve their potential at Prudential. Over the last year, a range of events, talks and seminars have been held, allowing the network to support colleagues with career development and make connections with other diversity groups both internally and externally.
M&G Mind Matters is an employee network run by and for staff. The aim of the network is to increase awareness and knowledge around mental health, reduce stigma associated with mental health at work and support the organisation towards the delivery of industry leading systems and processes for those who are direct or indirectly affected by mental health issues.
“Our role as your employer is very simple – to provide the right environment for talented people to do their best work. We respect and value your individual differences.”
Martin Firstbrook – Head of Learning, Talent and Inclusion
13
We encourage everyone at M&G to play their part in creating a climate for enterprise, prosperity and the improved well-being of the community.
We are actively involved in supporting community life as well as making donations to a wide variety of charities. M&G seeks to help disadvantaged communities which are local to its operations and we take a special interest in:
• Education
• Welfare
• Youth projects
• Environment
• Provision of medical care and equipment
We encourage this from day one. Our graduates and apprentices participate annually in volunteer projects, giving back for the benefit of the local community and our employees.
Speakers4Schools Work Experience Outreach Programme with Anne Richards, Chief Executive
14
M&G Life
We set up a Staff Charity Fund in 1992 to support smaller charities that would otherwise struggle to achieve funding or are connected to M&G staff or its local offices.
The Fund is financed solely through the generosity of M&G staff who make monthly donations through the Give As You Earn scheme.
M&G supports over 250 charities each year and we aim to be earnestly involved in all projects. We also support the charities close to the hearts of our employees, making generous matching donations to employees fundraising efforts.
In the last reporting year, M&G’s charitable donations totalled approximately £750,000. Below are just some examples of the organisations we have supported over recent years.
“What makes the Staff Charity Fund so special is that it brings us together to make a difference to our communities. Many of our staff have close personal connections to the charities we help, and it’s a great feeling to know that their colleagues are supporting them.”
Rajmeet Bhatti – Chair of the M&G Staff Charity Fund Committee
15
Culture and People
When we ask our employees what makes them want to work for M&G, there is one word that is repeated: “culture”.
People are at the heart of our organisation. We foster an environment where people from wide-ranging backgrounds flourish through the right combination of challenge, support and continual learning. This enables them to grow to their full potential while enjoying a rewarding career with M&G.
M&G fosters a collaborative working environment which is further developed outside of the office through social events, team sports and team away days. Energy, enthusiasm and passion are inherent in our culture and people with these attributes thrive at M&G.
“The culture here is truly unique. Everyone, regardless of rank or seniority, is extremely approachable.”
Jake Pittman – Commercial Management Intern
Great colleagues
Great brand name
Good job satisfaction
Challenging but rewarding roles
Good working culture and ethos
16
At M&G we are committed to providing rewards that attract, retain and motivate our talented individuals.Our combination of incentives and benefits enhances our culture, supports our values and delivers fair reward in line with performance achieved.
Here are just some of the benefits that come with a career at M&G:
• Highly Competitive Salary
• Performance-Related Bonuses
• Pension Scheme
• Holiday Purchase Scheme
• Career Mobility and Opportunity
• Annual Volunteer Days and Charitable Donations
• Team-Building Days
• Private Medical Insurance and GP
• Interest-Free Season Ticket Loan
• Local Social Discounts
• Family-Friendly Approach and Policies
• Sports & Social Committee
• Cycle to Work Scheme
Rewards and Benefits
17
18
At M&G we recognise the importance of each employee reaching their full potential, both personally and professionally.
We support our employees through a variety of Learning and Talent Development opportunities tailored to the specific needs of the individual. These not only broaden people’s understandings of investment management but also help them to live a healthy and balanced lifestyle. This includes:
• Professional qualifications
• Technical training
• Soft skill development
• Mentoring and coaching
• Business/fund awareness sessions
• Online training modules
• Wellbeing workshops
To ensure our future leaders are well equipped to accelerate their career development we offer several targeted development schemes focusing on management and leadership.
There are also substantial opportunities for mobility within the business: many employees undertake secondments in different business areas across M&G and the Prudential Group to broaden their knowledge and further development their skills.
The graduate, intern and apprenticeship programmes provide the opportunity for exposure across the business. We believe this builds well-rounded knowledge, strong and wide networks and is the catalyst to a dynamic career at M&G.
Our approach to work-life balance is another commonly voiced reason why people enjoy working here. This includes our approach to working hours, the social aspects and our family friendly policies.
We are a company that will grow with you and encourage the evolution of your career as your life develops.
Career Mobility and Development
Investment intelligence for you and our investors
19
We have exciting opportunities for graduates, interns and apprentices. We are looking for bright, dynamic trainees to uphold our proud traditions of market leading innovation and performance. Our development programmes will equip you with all you will need to excel with us.
WE’RE LOOKING FOR A LONG-TERM INVESTMENT
Visit: www.mandg.co.uk/graduatesor www.mandg.co.uk/apprenticeships for more information
COULD IT BE YOU?
22
Being a member of a valued cohort you will undergo work that is both meaningful and relevant. With direct access to senior management and clients you are able to develop good relationships across the business and begin to build your own platforms to a successful and long lasting career.
Training and SupportAll graduates will undergo a robust training programme which includes technical qualifications (IMC) before entering the business as well as further development initiatives throughout the scheme. This will give you the knowledge required and prepare you for a long-lasting career in investment management.
As a graduate at M&G every day is different, you are constantly learning and developing your own skills. Dependant on the programme you join you will rotate around various business areas or within your department. This allows you to get a taste for a number of areas, build networks and inform your future career decisions.
What we are looking forIn our graduate, intern and placement students we are looking for people who demonstrate energy, originality and conviction with a passion that relates to their chosen scheme; be that business, technology or financial markets. Confidence in your own abilities and decision making is important and we look for those who can utilise this within a team.
We seek people from multiple degree disciplines; a finance-related degree is not necessary for a career in investment management. We have an eye on the future and are interested in your skill base rather than your current knowledge base. We can teach you all you need to know.
Life as a Graduate at M&G
“Although studying geography is not the traditional route to working in finance, it has given me a different perspective and way of thinking which I feel has been truly valued at M&G. The entire graduate cohort undergoes a five week training programme which has quickly brought me up to speed with all the relevant industry knowledge.”
Charlotte Thompson – Investment Graduate
23
Whatever your interest, there is place for you to grow here.
From day one you are given the opportunity to take on real work and really make an impact. Our summer internships and placements are designed to develop your skills and interests through an inclusive training programme and on-the-job guidance.
What to expectYou will spend your summer (or 6/12 months for placement students) in a chosen business area where you will be given opportunities to make an active contribution to the team whilst gaining an insight into what life at M&G is really like.
During your first few weeks you will go through a comprehensive training programme which has been specifically designed for those with and without industry knowledge. Alongside this you will have additional guidance from your buddy, mentor and team throughout your internship.
There are also plenty of opportunities to join internship social events throughout the programme. Networking lunches, evening-drinks and fun events, along with other team specific socials generally keep our students very busy!
We expect our interns to get involved in M&G life from the beginning, be that supporting volunteering projects, participation in our inclusive networks, active team involvement or fundraising for a supported charity.
From Intern to GraduateAs an intern you will go through the same recruitment process as a graduate as we see you as graduate pipeline. If you are successful over your internship we will fast track you for our graduate scheme to start the following year.
Internships and Placements
You will be offered a permanent position in the business, which
begins with 12-18 months on the Apprenticeship Programme. During
this time, you will work towards relevant industry recognised qualifications such as Investment Operations Certificate
(IOC) or Chartered Institute of Management Accountants (CIMA). This opportunity will enable you to
develop a wide range of skills and competencies by interacting with
people across the business at all levels.
We look for highly motivated, enthusiastic and dedicated school leavers to join our Apprenticeship programme. This programme is designed to help people without degrees start their careers straight after school/college and earn a competitive salary whilst receiving on the job training.
Apprentices
24
“I feel like I have had a unique opportunity to both work and learn with brilliant help and support from M&G, which has been a great environment to develop in.”
Guery Galantzeva – Marketing Apprentice
What we look for
Team player
Excellent communication
skills
Proactivity
Driven
Curiosity
Attention to detail
25
Jargon buster
For more definitions please visit the ‘Learning Zone’ at www.mandg.co.uk/graduates.
Active ManagementA type of investment approach employed to generate returns in excess of the market.
AssetAny item of economic or financial vales owned by someone or a company.
BondA debt investment ie a loan, in the form of a security, usually issued by a government or company. These normally pay a fixed rate of interest over a given time period, and at the end of which the initial amount borrowed is repaid.
CashLegal tender or coins that can be used in exchange goods, debt, or services. Sometimes cash can also include the value of assets that can be converted into cash immediately, as reported by a company.
DividendA portion of company net profits paid out to shareholders.
EquityShare of ownership in a company.
Financial Conduct AuthorityThe conduct regulator for 56,000 financial services firms and financial markets in the UK.
Fixed income investmentAn investment that provides a return in the form of fixed periodic interest payments over a given time period, and the eventual repayment of the initial investment at maturity.
Institutional InvestorA large investor such as a pension fund, insurance company or charity.
Multi-asset InvestmentA multi-asset class investment would contain more than one asset class, thus creating a group or portfolio of assets.
Real estateAn asset class comprising buildings and land, ie property.
Retail InvestorsIndividual investors who buy and sell securities for their personal account, either directly or through third parties such as independent financial advisors and banks.
Issued by M&G Securities Limited which is authorised and regulated by the Financial Conduct Authority and provides investment products. The company’s registered office is Laurence Pountney Hill, London EC4R 0HH. Registered in England No. 90776. APR 17 / 56276
www.mandg.co.uk/graduates
www.mandg.co.uk/apprenticeships
[email protected] Email us with queries.
@mandgcareers
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