We want to ensure that you fully understand how our investment service is provided to you and the terms and conditions of the service. Please ensure that you review the documents below before you take out an investment with us. Thank you.

Key Facts about our Services and Costs

Terms of Business

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Category Archive for "FAQ’s"

What is Investment Diversification?

Investment Diversification is basically the art of spreading your investments around over a number of different ‘platforms’, protecting you from potentially losing a significant amount of your assets value in a market downturn. The sharp decline in stock prices in recent...
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What is a Financial Wrapper?

A Wrapper is a method of structuring investment portfolios in the most tax efficient way. Commonly used wrappers in an advice process are Individual Savings Accounts (ISA) and Pension Plans although there are others that can be used based on...
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What is a Pension Annuity?

An annuity is a product that converts the money you’ve saved up in your pension pot into a monthly or yearly retirement income payable for either the rest of your life or a fixed number of years. You don’t have...
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What is an ISA?

An Individual Savings Account (ISA) is a scheme that allows individuals to hold cash, shares, and unit trusts free of tax on dividends, interest, and capital gains. There are two main types of ISA: Cash ISA’s where all interest earned on money...
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What is a Gilt?

Gilts are Bonds that are issued by the British Government to raise money.  They are generally considered to be a low risk investment.  The term originated in Britain and referred to debt securities that had a gilt (or guilded) edge. Conventional gilts...
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