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The information on this website is provided solely to enable investors to make their own decisions. The investments and/or investment services referred to may not be suitable for all investors. If you need advice, you should contact us and make an appointment for a financial review to enable us to make clear, quality recommendations to meet your needs. The price and value of investments and their income fluctuates: You may get back less than the amount you invested. Past performance should not be seen as an indication of future performance. Exchange rate fluctuations may have an adverse effect on the value of non-UK shares. Where an investment is described as likely to yield income, or as being suitable for an investor who wants an income from his/her investments, you should bear in mind that income from investments may fluctuate an part of the capital may be used to pay that income. The rules on taxation can change. The value to you of any tax benefits will depend on your tax position. Within a PEP/ISA all gains will be free of capital gains tax, and a tax credit will be reclaimed on interest from fixed interest investments. Cancellation rights may not be available. The investments featured do not provide capital guarantees like a deposit account and are not readily accessible. In addition to any initial charge quoted there may be a bid/offer spread or dilution levy. Non-investment grade bonds are contained in some funds which bring an increased risk of default on repayment which translates into a risk that the capital value of the fund will be affected. Some investments are less readily realisable than others and it may therefore be difficult to deal in or obtain reliable information about their value. Before transferring or liquidating an investment you should ascertain whether exit or initial charges will be levied and then carefully consider whether you believe it will be beneficial for you over the period of the investment to proceed. If investments are liquidated you may suffer a loss of income or growth, should the market rise, whilst the transfer remains pending. |
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