I decided to invest money with Sheffield Mutual as they seem to be a strong performer in the 'With Profits Bond' market. Up till now I have no complaint and an advantage of this being a mutual society is there are no share holders to consider so members recieve a fairer share of the profits than other non mutual companies out there. Could not give 5* because I am fairly new to the society but my application for an investmen was dealt with promptly and efficiently. The only downside to investing with Sheffield Mutual is that there is a 5% charge on your initial investment which can be a significant amount considering there are some other companies that give you extra money for investing with them.