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With-profits problems

With-profits funds explained

  • What the with-profits rip-off is and how it could affect you
  • Billions of pounds of savers' money could end up going to shareholders
  • The latest on the Norwich Union and Prudential inherited estates

What's in this guide

What are with-profits?

With-profits investments seemed to offer low risk, but many consumers have lost out.

Asset allocations and closed funds

The return you get on your investment will depend on how the money is invested.

With-profits endowments performance

How do with-profits endowments from different providers compare?

10 steps to assess your with-profits policy

We'll help you decide whether to hang on to your with-profits investment or to cash it in.

The 'inherited estate' problem

Big assets have built up, but are they being used to benefit policy holders?

How you are affected by the inherited estate

Find out if you could receive a payout from the inherited estate.

Which? Campaign for policyholders

We explain why we think FSA rules on with-profits funds need to be tightened to protect consumers from losing out