Invest for the future

A great way to look after your money and see it grow

Every pound of your money is hard-earned, and your savings deserve a decent rate of return. By taking controlled and managed risks, we aim to grow our Members’ savings and investments faster than if they were in cash accounts.

Help me choose the right product Upcoming events

Invest for the future

You can invest up to £20,000 each tax year into an ISA, with additional options available, such as our With-Profits Bond. These solutions are designed to be flexible and open-ended, allowing you to leave your money invested for as long as it suits your plans. If you’d prefer more certainty, our Guaranteed Five Year Bond offers a competitive fixed return, although your money would be tied in for the full term.

Made for the Police Family

Better protection

Our policies are fully protected by the Financial Services Compensation Scheme (FSCS). Designed to keep your savings safe if a provider fails, giving you peace of mind.

Built for the Police Family

A Friendly Society serving the UK Police Family for 130+ years.

Member-owned

As a mutual, all profits are returned to Members through bonuses and in support of the wider Police Family.

Choose how you want to invest

Lump Sum ISA

A tax free way to invest a lump sum for the medium to long term.

At a glance

Past Performance
Up to 5.3%* per year (over last 10 years)

Min. Investment
£5,000 (up to £20,000 per tax year)

Recommended Term
Medium to long term (ideally 5 years or more)

Access
Withdrawals permitted
3% penalty during first year of investment

*Actual annualised returns on ISAs held for a period of 10 years (1 January each year from 2017 to 2026). Past performance is not a guide to future returns.

Learn more Apply now

With-Profit Bond

Investment option for those that have used their ISA allowance.

At a glance

Past Performance
Up to 4.9%* per year (over last 10 years)

Min. Investment
£2,000 (with no upper limit)

Recommended Term
Medium to long term (ideally 5 years or more)

Access
Withdrawals permitted
3% penalty during first year of investment

*Actual annualised returns after basic rate tax on Bonds held for a period of 10 years (1 January each year from 2017 to 2026). Past performance is not a guide to future returns.

Learn more Apply now

5 Year Fixed Rate Bond

A guaranteed 22.25% return over 5 years, with an annual rate of 4.1%.

At a glance

Returns
4.1% fixed (5.125% gross) per year*

Min. Investment
£10,000

Recommended Term
Fixed for 5 Years

Access
No withdrawals during the term

*Gains paid net of basic rate tax.
Higher and additonal rate taxpayers may have further tax liability.

Learn more Apply now

Junior ISA

A tax free way to save for a child’s future.

At a glance

Age
Under 18

Min. Investment 
From £30 per month (up to £9,000 per tax year)

Recommended Term
Medium to long term (ideally 5 years or more)

Access
From age 18
Penalties during the first two years of opening

Returns
Invested in a With-Profits Fund that targets a cash beating return over the medium to long term

Learn more Apply now

Monthly Savings ISA

A tax free way to grow your savings for the medium to long term.

At a glance

Min. Investment
£30 per month (up to £20,000 per tax year)

Recommended term
Medium to long term (ideally 5 years or more)

Access
Withdrawals permitted
Penalties during the first two years of opening

Returns
Invested in a With-Profits Fund that targets a cash beating return over the medium to long term

Learn more Apply now

Lifetime ISA

Tax free savings with 25% Government bonus. Up to £1,000 free each tax year!

At a glance

Age
18-39 to open

Min. Investment
£50 per month (up to £4,000 per tax year)

Recommended Term
Medium to long term (ideally 5 years or more)

Access
Must be open for 12 months before first home purchase
From age 60 for retirement savings

Returns
Invested in a With-Profits Fund that targets a cash beating return over the medium to long term

Learn more Apply now

Need help choosing the right product?

We’ve created a handy tool to help you make a decision when it comes to your savings and investments.

Help me choose the right product

We do not provide financial advice. We can explain how our products work so you can decide which option, if any, is suitable for you. Capital is at risk with investment products and returns are not guaranteed, except where a fixed rate applies.

All serving and retired Police Officers, Staff and their families are eligible

Special Offers

Our best ever offer!

If you invest or transfer £10,000 into our ISA or With-Profit Bond we’ll add a 1% instant Loyalty Bonus. If the total household investment is £30,000 or more the bonus amount doubles to 2%. PLUS a £50 Amazon.co.uk Gift Card* Quote code SPRING26. Terms and Conditions apply.

View Lump Sum ISA View With-Profit Bond

As a NARPO Member, I’m proud to say that Police Friendly & Metfriendly has delivered financial security for me and my family.

Craig Haslam, DL FGPT, Retired Chief Superintendent

Your presenters were really good and explained what can be complicated and complex matters, in a simple and easy to understand format.

Pre-retirement seminar attendee

Little bits of saving down the line can make a huge difference to your family, whatever the future brings.

Emma Richards, third generation Retired Police Officer, Police Friendly & Metfriendly Non Executive Director

I have always been pleased with the returns from my Police Friendly & Metfriendly Policies.

Mr P Payne

With the Government’s Lifetime ISA bonus and my family chipping in, I was able to buy my first home sooner than I ever dreamed.

Mr B

Great opportunity for family Members to be offered the same offers as Members.

Miss A McLeary

Contact us directly

Get free, personalised guidance on your savings and investment options.
For serving, former and retired Police Officers, Staff and their families.
A 20-30 minute session with one of our friendly team.

Call us today

08:30 to 17:00 Monday to Thursday and 08:30 to 16:30 on Friday.

01689 891454

Send a message

Get in touch using the email below or fill in the form to get a call back.

info@mpfs.org.uk

Office

MPFS, Central Court,
Knoll Rise,
Orpington
BR6 0JA

Get directions

Request a callback

Want to talk to one of our friendly team about your options? Drop your details on the form below and we will get in touch.