Top 100 ISA, Unit Trust & OEIC Funds

Although we provide to over 2,000 investment funds, it can be very time consuming researching them all, and very often, it is only a relatively small number of funds that are the most popular. These funds have been carefully researched and in our opinion provide good value, which is based on the performance of the investment manager and charges.

Most of Heritage's new business is set up through our own investment platform - Heritage Wealth Management. There are no additional product charges for Heritage Wealth Management investments and the funds are offered at a substantial discount to the price you would purchase them direct. Our servicing fee is in addition to the fund charges and is dependant on the servicing option you choose. We have five servicing options for our clients. The annual charge ranges from 0.4% per annum for our Self Select Service to 1.0% for our Premier Service.

Investment Sector	Fund Name	AMC (%)	Fact Sheet	Fund Name	AMC (%)	Fact Sheet	Risk Rating
Money Markets	Premier UK Money Market ^ M&G High Interest * Close Capital Account ^ Blackrock Cash ^ * Suitable for Stocks & Shares ISA ^ Not suitable for Stocks & Shares ISA						1
UK Gilt	M&G Gilt & Fixed Interest Royal London UK Govt Bond Schroder Gilt & Fixed Interest						2
Sterling Corporate Bond	M&G Corporate Bond A Invesco Perpetual Corporate Bond M&G Strategic Corporate Bond A Schroder Corporate Bond Fidelity Money Builder Income						2
Sterling Strategic Bond	M&G Optimal Income Fidelity Strategic Bond Investec Sterling Bond Invesco Perpetual Monthly Income Plus						3
Property	L&G UK Property Trust Henderson UK Property Ignis UK Property Aviva Inv Property Trust						3
Sterling High Yield	Schroder Monthly High Income Investec Monthly High Income Baillie Gifford High Yield Bond Threadneedle High Yield Bond Aegon High Yield Bond Standard Life Higher Income						4
UK Equity Income & Growth	Invesco Perpetual High Income Invesco Perpetual Income Neptune Income						5
UK Equity Income	Schroder Income Threadneedle UK Equity income Artemis Income BlackRock UK Income Standard Life UK Equity High Income Newton Higher Income						5
UK All Companies	AEGON UK Equity A Fidelity Special Situations BlackRock UK Dynamic A M&G Recovery A Fidelity Moneybuilder Growth Schroder UK Alpha Plus						6
Specialist	JPM Natural resources Jupiter Financial Opportunities BlackRock Gold & General First State Global Resources Neptune Russia & Greater Russia A Invesco Perpetual Latin America						7
Europe (Excluding UK)	Fidelity European Opportunities Cazenove European BlackRock European Dynamic A Standard Life European Equity Growth						8
North America	Neptune US Opportunities Schroder US Mid Cap Threadneedle American Select Martin Currie North American Baillie Gifford American						8
UK Smaller Companies	Standard Life UK Smaller Companies Old Mutual UK Select Smaller Companies Invesco Perpetual UK Smaller Companies Equity Investec UK Smaller Companies						9
Asia Pacific (Excluding Japan)	First State Asia Pacific leaders A Fidelity South East Asia Newton Oriental Invesco Perpetual Asian First State Greater China Growth Aberdeen Asia Pacific						10
Japan	Schroder Tokyo Invesco Perpetual Japan Jupiter Japan Martin Currie Japan						10
Global Emerging Markets	Baillie Gifford Emerging Markets Growth A AXA Framlington Emerging Markets Aberdeen Emerging Markets First State Global Emerging Leaders A						10
Cautious Managed	JPM Cautious Return A Acc Gartmore Cautious Managed Ret Acc Fidelity Multi Asset Strategic Henderson MM Distribution Jupiter Merlin Income Portfolio Acc						4
Balanced Managed	CF Miton Special Sits Pfl A GBP Jupiter Merlin Balanced Pfl Acc Neptune Balanced Acc Newton Balanced SIS						6
Active Managed	Jupiter Merlin Growth Portfolio Acc Henderson Multi Manager Growth Aberdeen MMgr Eq Managed Pfl Acc Newton Managed SIS						8
Tracker Funds	L&G All Stocks Gilt I Acc L&G All Stocks IL Gilt I Acc L&G UK Index I Acc L&G European Index I Acc L&G US Index I Acc L&G Pacific Index I Acc L&G Japan Index I Acc L&G Global 100 Index I Acc