The information on this website is not advice, it is provided solely to enable you to make your own investment decisions. The investments and/or investment services referred to may not be suitable for all investors. If you are unsure of the suitability of any investment, you should contact our Financial Practitioners for advice.

Unlike cash, stock market based investments are not guaranteed and fall in value as well as rise; we therefore believe you should only invest for the long term (5+ years). Ultimately you could get back less than you invest. Any yields will vary over time so income is variable and not guaranteed. Cancellation rights may not be available. The investments featured do not provide capital guarantees like a deposit account and are not readily accessible.

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. Tax rules referred to are those that currently apply, they can change over time and any benefit to you will depend on your circumstances. Within an ISA all gains will be free of capital gains tax and a tax credit will be reclaimed on interest from fixed interest investments. 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 carry a risk that the capital value of the fund will be affected because they have an increased risk of default on repayment by the issuing companies compared to investment grade bonds. Some investments (e.g. some AIM stocks) are less readily realisable than others and it may therefore be difficult to deal in or obtain reliable information about their value.

Before you decide to transfer an ISA, pension or unit trust please ensure you understand how the transfer will be made. Most groups will allow you to transfer as stock but if you choose to transfer as cash remember you will be out of the market while the transfer takes place. This may work in your favour if the market falls but if it rises you will not benefit from any growth while you hold cash. A few groups levy exit fees, please contact us for more details.