# M&G Credit Income Investment Trust Plc (MGCI)

**Source:** https://fundology.uk/fund/mgci · ISIN GB00BFYYL325 · Data: TradingView (LSE closes and returns, delayed), issuer documents, ONS CPIH, FCA FIRDS

## At a glance

> Capital at risk. Past performance is not a guide to future returns. The value of investments can fall as well as rise.

As of 01/10/2026, MGCI (M&G Credit Income Investment Trust Plc, ISIN GB00BFYYL325) closed at £0.898 on the London Stock Exchange. Over the five years to 01/10/2026 its price changed by −9.3% (income paid out is not included), or −28.3% after UK CPIH inflation.

## Summary

M&G Credit Income Investment Trust Plc is an investment trust. You buy and sell it through a share-dealing account or platform during stock-market hours, like a share. Income from its investments is paid out to holders as cash, usually a few times a year.

Latest close: **£0.898** (01/10/2026).

## Key facts

| Fact | Value |
|---|---|
| Ticker (LSE) | MGCI |
| ISIN | GB00BFYYL325 |
| Category | Corporate & other bonds |
| Type | Investment trust |
| Income | Distributing |
| Domicile | United Kingdom |

## Past returns (periods to 01/10/2026)

After the fund's ongoing charges. "Income reinvested" is total return; "price only" leaves out income paid out. Real returns are after ONS CPIH inflation.

| Window | Return | After CPIH inflation | Measured as |
|---|---|---|---|
| 1 year | -6.26% | -8.81% | price only |
| 3 years | -0.44% | -9.61% | price only |
| 5 years | -9.29% | -28.27% | price only |

Returns: Fundology, from recorded daily closes. Inflation: ONS CPIH, latest month published.

## Calendar-year returns

Calendar-year returns of M&G Credit Income Investment Trust Plc in pounds (price only, income paid out not included): 2022 −7.4%, 2023 −0.8%, 2024 +6.0%, 2025 −2.0%; 2026 to 01/10/2026 −5.5%. Returns of M&G Credit Income Investment Trust Plc in pounds (price only, income paid out not included) over the 12 months to 30/09/2026: −5.9%; to 30/09/2025: −0.4%; to 30/09/2024: +7.9%; to 30/09/2023: 0.0%; to 30/09/2022: −9.1%.

| Year | Return | After CPIH inflation | Measured as |
|---|---|---|---|
| 2022 | -7.4% | -15.3% | Price |
| 2023 | -0.8% | -4.7% | Price |
| 2024 | +6.0% | +2.4% | Price |
| 2025 | -2.0% | -5.3% | Price |
| 2026 to 01/10/2026 | -5.5% | -8.1% | Price |

## Risk metrics

| Window | Volatility | Max drawdown |
|---|---|---|
| 1 year | 8.76% | -7.69% |
| 3 years | 11.40% | -10.30% |
| 5 years | 12.90% | -16.26% |

## Largest fall

Volatility of M&G Credit Income Investment Trust Plc in pounds, annualised from weekly returns to 01/10/2026: 8.8% over 1 year, 11.4% over 3 years, 12.9% over 5 years. Largest fall in the price of M&G Credit Income Investment Trust Plc since October 2021, in pounds: −16.3% from 15/04/2022 to 14/07/2023. The lowest 12-month return of M&G Credit Income Investment Trust Plc in pounds (price only, income paid out not included) since January 2021 was −12.6% (12 months to 21/10/2022); the highest was +15.3% (12 months to 12/07/2024). On 01/10/2026 the price of M&G Credit Income Investment Trust Plc was 11.5% below its highest weekly close since October 2021 (15/04/2022), in pounds.

## Charges & eligibility

- ISA eligible: yes
- SIPP eligible: yes

## Questions people ask

**Is MGCI accumulating or distributing?**

MGCI is distributing: income is paid out to holders as cash, usually a few times a year.

**What is the ISIN of MGCI?**

The ISIN of MGCI is GB00BFYYL325. An ISIN identifies one exact share class of a fund; MGCI is its ticker on the London Stock Exchange.

**What were MGCI’s returns in each of the last five years?**

Calendar-year returns of MGCI in pounds (price only, income paid out not included): 2022 −7.4%, 2023 −0.8%, 2024 +6.0%, 2025 −2.0%; 2026 to 01/10/2026 −5.5%. Past performance is not a guide to future returns.

**How has MGCI done after inflation?**

Over the five years to 01/10/2026 MGCI’s price changed by −9.3% (income paid out is not included), or −28.3% after UK CPIH inflation. Past performance is not a guide to future returns.

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Capital at risk. Past performance is not a guide to future returns. The value of investments can fall as well as rise.