Wealth and Investment Management. What is wealth? The answer is there is no simple answer

Size: px
Start display at page:

Download "Wealth and Investment Management. What is wealth? The answer is there is no simple answer"

Transcription

1 Wealth and Investment Management What is wealth? The answer is there is no simple answer

2

3 By choosing a better vantage point we gain a clearer picture Everyone is different. That s why our wealth management approach is to use market-leading insights to make sure our advice and solutions help realise your unique ambitions. By concentrating on what makes you different we can create investment solutions that more closely match your unique objectives and preferences. We work with you to understand your total wealth situation. This means we can base our advice not only on the assets you hold with us but on a complete picture of your wealth and your ambitions. You may want us to manage your investments according to your mandate and your risk tolerance. Alternatively you can work with us, accessing our world-class advice and expertise as needed, or simply brief us to execute your instructions quickly and efficiently. Whatever goals you have, we believe that no one is better placed than us to help you manage every aspect of your wealth. Not only do we have unrivalled expertise in using behavioural finance to better understand each client s unique financial personality and risk tolerance, we also apply those insights in new ways, to create portfolios that are better suited to your goals and ambitions. This way our clients benefit from a balance of investments, held within portfolios that best suit their expectations. Our understanding of your needs also comes from a more traditional source: the heritage, expertise and know-how of the Barclays group that has been providing individuals and families with comprehensive financial services for over 300 years. Our world-class investment advice combines high levels of service with the latest techniques to provide you with a bespoke suite of services that fits your needs. By taking a global approach we make sure every facet of your wealth works as hard as possible for you, and at the same time we manage risk, from market volatility to currency and jurisdictional risks. Naturally, you should recognise that there are always risks in investing; the value of investments can fall and you may lose capital. We cannot eliminate risk but we can seek to minimise and manage it. 3

4 In a world of innovation, we never underestimate the power of substance Our resources and global reach can help you achieve your financial and life goals. Barclays is a major global financial services provider engaged in personal banking, cards, corporate and investment banking, as well as wealth and investment management. With over 300 years of history and expertise in banking, Barclays invests, protects, lends and moves money on behalf of clients worldwide. Through our Wealth and Investment Management business, you can access international and private banking, financing, wealth planning, trust and fiduciary services, investment management and brokerage services, along with the benefit of global research and investment solutions. And, of course, you will benefit from access to the breadth of personal, corporate and investment banking expertise across our group: one of the largest financial services organisations in the world. As well as delivering global reach, Barclays is committed to offering extensive regional coverage. You are never far away from a local office. You will have access to our relationship teams based in key financial centres within the UK, Europe, Middle East, Asia and USA. These centres are your gateway to the international services, support and expertise of the Barclays Group. 4

5

6

7 Introducing someone you ve probably never met: your investment self Many of the factors that define your investment personality are subconscious. With the help of sophisticated, multi-layered profiling techniques, they can now be revealed. Through a better understanding of your financial personality, we can combine insights from the science of behavioural finance and psychology with modern theories of portfolio management to help guide your investment behaviour. Our advice helps you understand the investment blind spots that cause you to take on too much risk, or conversely to miss out on opportunities. The greater your self-knowledge, the greater your potential to gain control over your investment decisions. Using rigorously tested scientific research, our Investment Philosophy allows us to identify your attitudes to risk, decision style, and your need for stability throughout your investment journey. Understanding your financial personality helps us give you advice and solutions that precisely suit your needs. To do this we have developed a unique tool the Financial Personality Assessment that enables us to build an accurate and highly detailed profile of your preferences. This applies whether you opt simply to benefit from the quality of our investment and research ideas or whether you decide you would like us to manage your investments for you. We look at your total wealth situation, not just your current investment portfolio. This enables us to help you manage your short-term liquidity needs and lifestyle requirements, while also attending to your business and entrepreneurial investments and long-term goals. At any one time, different asset classes will deliver different levels of investment performance and risk. That is why a one-size-fits-all approach to investing does not work, and that is why Barclays believes in using a broader range of asset classes to build your investment portfolios from the traditional (cash, bonds, equities) to the more advanced (hedge funds, real estate). By using a full range of asset classes, we can create portfolios which make more efficient use of the risk level appropriate to your needs, to ensure the best possible long-term performance. 7

8 For those who like surprises, this section may come as a disappointment Our expertise, combined with cutting-edge financial technology, is aimed at protecting and growing your wealth, helping to bring a degree of predictability to your investment future. Your wealth is the foundation of your family s quality of life. So it is critical to ensure it endures for the next generation. At Barclays, we believe it is not enough for us simply to invest your current wealth. We must also anticipate and prepare for the many kinds of risks and changes in needs that could have an impact on the road ahead. We cannot eliminate risk but we can seek to minimise and manage it. Market volatility is a difficult experience for any investor. The many asset classes that make up your portfolio can go up, but also down. We aim to smooth out this journey and protect your capital by actively managing portfolios according to market conditions. For those who have an international lifestyle, or whose business interests are multinational, currency risk can be significant. Where suitable for you, we can help protect you against market movements such as currency fluctuations. Ultimately, one of the most significant challenges in terms of preserving wealth is ensuring that your wealth is properly structured. Whether your wealth comes from your business, your work, an inheritance or any other source, structuring your wealth judiciously ensures that you and your heirs will preserve it over the long term. 8

9

10

11 Dreams are precious. Make sure they remain intact At Barclays we have the specialist expertise to help you make informed decisions about the most effective methods of achieving the goals you have for your family s future. Succession and the process of passing on wealth raises many questions, not only about how to allocate wealth but also about how to ensure that it goes as far as possible. We can help you develop the right strategy to protect and pass on personal and family wealth as well as business assets in a rapidly changing environment. Our global team of highly experienced Wealth Advisors and professional, independent fiduciaries will guide you through the thought processes involved in wealth preservation. We work with you to help provide trust, tax and insurance solutions designed specifically for you, bringing fresh perspectives, innovations and insights to your estate planning and wealth management needs. We will help individuals with: Holistic estate planning, often with the need to take into account cross-border issues Succession planning for businesses and investments The transfer of wealth to successive generations Asset protection via a trust or insurance and the assessment of possible risks to wealth Tax compliance considerations around the world, avoiding traps and pitfalls We will help business owners with: Planning for future ownership of their business Pension and retirement planning Corporate pensions Flexible benefit schemes Corporate protection for example relevant life insurance or loan/shareholder protection 11

12 Day-to-day banking that s anything but everyday At Barclays we have specialist banking services and expertise, bringing in-depth guidance to the day-to-day management of your money. Our extensive banking service helps you to manage your finances and optimise your cash situation around the world. You will get competitive interest rates and convenient 24/7 online and telephone* access to our main Banking Office. From current accounts to term deposits, we also provide a range of products and services that make it easier to manage your money. Whether you are looking for a straightforward deposit account or you want to increase the yield on your cash, we can help. We can also set up banking arrangements that fit your lifestyle, from savings vehicles to current accounts in different currencies. To help your cash generate the returns you want whilst managing risk, we can provide you with Wealth Treasury Deposits, deposits with other banks as well as Money Market Funds from leading providers which are available in sterling, euro or US dollar to provide you with diversification for your money subject to risk to capital. If your lifestyle takes you around the world, you need your cards to work hard for you. Along with a range of accounts in the world s major currencies, Barclays facilitates your purchases with flexible charge and debit card products. We offer a dedicated Wealth Card, with tailored credit limits, and the Barclays Visa Infinite Card**, designed for an international lifestyle. *The Banking Office is open 24 hours a day, 7 days a week except 25 December. Access to banking services may be limited in certain countries due to regulatory restrictions **The creditor for the Wealth Card and the Barclays Visa Infinite Card is Barclays Bank PLC (Jersey branch). Barclays Bank PLC (Jersey branch) is regulated by the Jersey Financial Services Commission and has its principal business address in Jersey at 13 Library Place, St Helier, Jersey JE4 8NE, Channel Islands. 12

13

14 Singing Ringing Tree, by Tonkin, Liu, HILLTOP MUSICAL SCULPTURE, 2004.

15 Wealth is an abstract concept. What makes it tangible is what you do with it We have a depth and breadth of expertise in helping clients finance a wide variety of projects, pastimes and high-value purchases. We offer a range of approaches including lending against unconventional assets. We provide financing solutions that help you to acquire, diversify and leverage a wide range of assets, to provide you with liquidity or to facilitate other family needs, such as estate planning. You need to understand the risks and impact that could result from the use of leverage. All of the lending structures available from Barclays Wealth and Investment Management are specifically designed to address the often unique and complex financing needs of wealthy individuals or their various ownership entities, such as trusts or private investment companies. We will work with you to identify and structure a solution that works for you. Backed by the financial strength of Barclays, and with access to the knowledge, expertise and solutions of our Corporate and Investment Banking divisions, you can rest assured that the solutions we deliver make the most of what the group has to offer. Portfolio Finance This flexible service enables you to borrow against the portfolio you hold with us. Property Finance We offer an extensive personal mortgage service to help to ensure your purchase of a new home or investment property is seamless and easy. Personal Finance Barclays Wealth and Investment Management offers a bespoke overdraft package or personal loan to suit your requirements. Specialist Finance We can tailor a lending solution to fit your unique circumstances, including financing for entrepreneurial transactions. Whatever your needs, from asset purchase to liquidity, we have a service to help you. Our Portfolio Finance service is only suitable for experienced investors with an understanding of leverage, who are able to take additional risk in pursuit of higher returns, and who can afford the potentially higher losses that can result from a leveraged investment strategy. Interest payable on the lending may be greater than the return on the portfolio. Please speak to your Private Banker for further information. 15

16 The expertise that makes your wealth work for you, can also help it work for others By giving efficiently, your philanthropy will make a difference where it matters most. We have access to specialists with extensive experience in all aspects of charitable giving. Our Client Philanthropy Service forms an integral part of our offering and helps to engage, educate and support you and your family in your charitable activity. In today s busy world it can be hard to find a quiet moment to think about philanthropy. There are many questions you may want to ask about charitable giving. Where to start? How much to give? What causes to consider? What are the implications? How to involve your family? It can be difficult to find the answers given the range of information available and how it is presented. So, wherever you are in your journey, we can help you access the right assistance for a range of issues, including: Third party philanthropy partners that we use for specialist services The Give Differently Guide produced in association with the Institute of Philanthropy The full Charitable Trust Service offered by our Trusts & Estates Department The full set of philanthropy white papers for further learning. 16

17

18

19 Technology helps us build successful portfolios. Successful relationships require chemistry Our success in wealth management is founded on our exemplary service and the personal chemistry between our clients and their Private Bankers. The Private Banker who is assigned to you will oversee your affairs personally. He or she acts as a conduit to the expertise available within Barclays and among our partners. Our Private Bankers are not only relationship managers; many are also business experts themselves having come to Barclays after long careers as business managers, executives or entrepreneurs. As such, they are uniquely able to understand your lifestyle and your wealth management goals. Moreover, they know how to listen, understand and empathise with your needs, ambitions and concerns. 19

20 Services at a glance Investments Wealth Advisory Cost-effective trade execution and custody of Identifying the most suitable and cost-effective investment assets Advisory services, with access to world-class Helping business owners prepare for future ownership, research and specialist advice on investment products, pension and retirement planning, share plans and portfolio construction, and investment strategies benefit schemes Discretionary services if you prefer to leave day-to-day decisions to an expert, who will create and maintain a diversified investment portfolio for you 20 methods of protecting and passing on your wealth

21 Banking Financing 24/7 online and telephone* access to our Banking We provide a range of financing solutions enabling you Office for your convenience A range of deposit accounts, cash and liquidity to acquire, diversify or leverage a wide range of assets or simply to provide you with liquidity management and more tailored banking arrangements, to suit your lifestyle Cards for most locations, plus flexible banking accounts in a range of currencies to help reduce your foreign Philanthropy Access to support and contacts you may require to fulfil your wishes for charitable giving exchange costs when travelling *The Banking Office is open 24 hours a day, 7 days a week except 25 December. Access to banking services may be limited in certain countries due to regulatory restrictions 21

22 Next Steps For further information please contact your Private Banker or call You can also visit barclays.com/wealth For clients in the UK, Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. Further details can be found at 22

23

24 This item can be provided in Braille, large print or audio by calling * (via TextDirect if appropriate). If outside the UK please call: +44(0) **. *Lines are open 7am to 11pm UK time, 7 days a week except on bank holidays. Calls to 0800 numbers are free if made from a UK landline. **Lines are open 24 hours a day, 7 days a week except on UK bank holidays when lines are closed. Call costs may vary please check with your telecoms provider. Calls may be recorded so that we can monitor the quality of our service and for security purposes. Barclays offers wealth and investment management products and services to its clients through Barclays Bank PLC and its subsidiary companies. Barclays Bank PLC is registered in England and authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered No Registered Office: 1 Churchill Place, London E14 5HP. Item Ref: IBIM1436. April 2014

Wealth and Investment Management. Financing. Structured solutions as individual as you are

Wealth and Investment Management. Financing. Structured solutions as individual as you are Wealth and Investment Management Financing Structured solutions as individual as you are Singing Ringing Tree, by TONKIN, LIU, HILLTOP MUSICAL SCULPTURE, 2004. Wealth what is it to you? We provide financing

More information

Wealth and Investment Management. Banking Services. Day-to-day banking that s anything but everyday

Wealth and Investment Management. Banking Services. Day-to-day banking that s anything but everyday Wealth and Investment Management Banking Services Day-to-day banking that s anything but everyday Day-to-day banking that s anything but everyday Our comprehensive banking service helps you to manage

More information

Investment Services. Wealth and Investment Management

Investment Services. Wealth and Investment Management Investment Services Wealth and Investment Management Contents Important information 3 A better vantage point for a clearer picture 5 Investment Philosophy 7 Investment Services 9 Advisory Services 10 Discretionary

More information

Investment Philosophy

Investment Philosophy Investment Philosophy Our unique approach to investment management puts you at the heart of everything we do Wealth and Investment Management Discover a new side to your personality: your investment self

More information

Wealth and Investment Management. Captive Insurance. Local knowledge. Global expertise.

Wealth and Investment Management. Captive Insurance. Local knowledge. Global expertise. Wealth and Investment Management Captive Insurance Local knowledge. Global expertise. Table of Contents At a glance 4 Committed to captive insurance 6 Everything you need 7 Next steps 10 3 At a glance

More information

British heritage, Swiss know-how

British heritage, Swiss know-how British heritage, Swiss know-how Barclays recent awards Best Private Bank Client Service Highly Commended Foreign Private Bank External Asset Manager Platform Best Overall Private Bank - UK 2016 2016 2015

More information

ibank, ibank Plus & ibank Saver INTERNATIONAL BANKING SERVICES For a life beyond boundaries

ibank, ibank Plus & ibank Saver INTERNATIONAL BANKING SERVICES For a life beyond boundaries ibank, ibank Plus & ibank Saver INTERNATIONAL BANKING SERVICES For a life beyond boundaries About Barclays Wealth At Barclays Wealth we have developed a different approach to financial services. We understand

More information

Discretionary Wealth Management

Discretionary Wealth Management Discretionary Wealth Management Specialist, Focused, Committed Using experience and expertise to invest for your future Contents 1 The practical importance of wisdom 2 Introduction to Discretionary Wealth

More information

We provide a truly personal service

We provide a truly personal service We provide a truly personal service Welcome C. Hoare & Co. is a bank which is proud of its heritage but focused on the future. We combine the traditional values of prudence and integrity with thoroughly

More information

INVESTMENTS FOR LIVING. Introducing Lifestyle Portfolios

INVESTMENTS FOR LIVING. Introducing Lifestyle Portfolios INVESTMENTS FOR LIVING Introducing Lifestyle Portfolios I WANT INVESTMENTS THAT GIVE ME FLEXIBILITY AND CHOICE Lifestyle Portfolios from Lloyds Bank International help you keep pace with the ever-changing

More information

Financial Planning Growing a better future

Financial Planning Growing a better future To make an appointment with a Financial Planner: Go to hsbc.com.au/financialplanning Visit in branch Call 1300 308 008 All testimonials listed in this brochure are sourced from Sue, an HSBC financial planning

More information

The interest rate that applies to an account is determined according to the account balance on a tiered basis, unless indicated otherwise.

The interest rate that applies to an account is determined according to the account balance on a tiered basis, unless indicated otherwise. Intermediaries Interest Rates for savings and bank accounts Rates apply to Barclays Private CIients International Limited The accounts referred to in this document are available to clients subject to eligibility.

More information

Life s better when you have a plan

Life s better when you have a plan Life s better when you have a plan FINANCIAL PLANNING. WEALTH ADVICE. INVESTMENT MANAGEMENT. Let s make plans together When making decisions about your financial future, we believe these should be made

More information

Your partner in wealth management

Your partner in wealth management Your partner in wealth management Societe Generale Private Banking Employees: 2,800 Reach: located in 22 countries Assets under management: 75.4 billion euros, as of 31 December 2009 Corporate awards 2010

More information

Wealth management. Guide for private clients

Wealth management. Guide for private clients Wealth management Guide for private clients Contents 01 Welcome to Standard Life Wealth 03 Understanding your financial goals 04 Different goals, different approaches 07 What you can expect as a client

More information

Wealth management Guide for financial advisers

Wealth management Guide for financial advisers Wealth management Guide for financial advisers Wealth management 1 Contents 01 Welcome to Standard Life Wealth 03 Why choose Standard Life Wealth to work with? 04 How we aim to meet your clients financial

More information

Trust Services at Merrill Lynch. Estate Planning Services

Trust Services at Merrill Lynch. Estate Planning Services Trust Services at Merrill Lynch Estate Planning Services Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and

More information

Global Wealth Management

Global Wealth Management Global Wealth Management RBC: A Global Leader with a Proud Canadian Heritage Royal Bank of Canada provides personal and commercial banking, wealth management services, insurance, corporate and investment

More information

Interest Rates for Savings and Bank Accounts

Interest Rates for Savings and Bank Accounts Interest Rates for Savings and Bank Accounts The accounts referred to in this document are available to clients subject to eligibility. Terms apply. Please speak to your usual contact for further details.

More information

Strength You Can Trust

Strength You Can Trust Strength You Can Trust RBC Wealth Management It All Starts With You Our relationship managers are focused on serving your best interests, and we aim to develop highly effective and customised solutions

More information

Gold Bank Account Helping you to simplify International Banking

Gold Bank Account Helping you to simplify International Banking GOLD BANK ACCOUNT Gold Bank Account Helping you to simplify International Banking At Santander Private Banking, we are committed to providing a consistently high level of service. We focus on building

More information

Investment Counselling Program

Investment Counselling Program Investment Counselling Program To us there are no foreign markets. N19 70 56 W155 08 58 Golfing with friends, Hawaii Your life has a geography. Where you re from, where you re going, where you aspire to

More information

Interest Rates for Savings Accounts

Interest Rates for Savings Accounts Interest Rates for Savings Accounts Intermediaries Rates apply to Barclays Private Clients International Limited Reference Rates The following reference rates are used for products that track the Base

More information

Wealth Planning For business. For family. For life. Helping you plan for today, for tomorrow and for generations to come.

Wealth Planning For business. For family. For life. Helping you plan for today, for tomorrow and for generations to come. Wealth Planning For business. For family. For life. Helping you plan for today, for tomorrow and for generations to come. You recognise the importance of good advice. In today s complex financial world,

More information

Private Client Services. Your World. Our Guidance

Private Client Services. Your World. Our Guidance Private Client Services Your World Our Guidance Canaccord Genuity Wealth Management is an award winning wealth manager committed to providing investors with a broad array of investment opportunities.

More information

Financial planning. A bespoke plan for your future

Financial planning. A bespoke plan for your future Financial planning A bespoke plan for your future ABOUT US Tilney Bestinvest is a leading investment and financial planning firm that builds on a heritage of more than 150 years. We look after more than

More information

WEALTH MANAGEMENT SOLUTIONS

WEALTH MANAGEMENT SOLUTIONS WEALTH MANAGEMENT SOLUTIONS Contents Wealth management 1 Boutique approach, global solutions 3 Traditonal values, innovative thinking 4 Working in partnership 4 Protecting wealth 6 Enhancing wealth 8 Distributing

More information

Citi at work. Bringing the bank to work.

Citi at work. Bringing the bank to work. Citi at work Bringing the bank to work. Introducing Citi and Citi At Work With over 200 years experience, Citi is one of the world s largest retail banks with over 100 million clients in 40 countries.

More information

Wealth Management. Guiding private client investment strategies. Wealth management as it should be

Wealth Management. Guiding private client investment strategies. Wealth management as it should be Wealth Management Guiding private client investment strategies Wealth management as it should be Managing private client wealth for over a century At Smith & Williamson Investment Management, our focus

More information

Separately managed accounts

Separately managed accounts FOR INSTITUTIONAL/WHOLESALE/PROFESSIONAL CLIENTS AND QUALIFIED INVESTORS ONLY - NOT FOR RETAIL USE OR DISTRIBUTION Separately managed accounts A J.P. Morgan Global Liquidity solution Separately managed

More information

LONDON NEW YORK THE PREMIER UK/US TAX FIRM TRANSATLANTIC TAX AND ACCOUNTING

LONDON NEW YORK THE PREMIER UK/US TAX FIRM TRANSATLANTIC TAX AND ACCOUNTING LONDON NEW YORK THE PREMIER UK/US TAX FIRM TRANSATLANTIC TAX AND ACCOUNTING Our specialist international tax focus is what makes us different. It s why clients have been trusting Frank Hirth since 1975.

More information

Wealth Management. Guiding private client investment strategies. Wealth management as it should be

Wealth Management. Guiding private client investment strategies. Wealth management as it should be Wealth Management Guiding private client investment strategies Wealth management as it should be Managing private client wealth for over a century At Smith & Williamson Investment Management, our focus

More information

Our personal current accounts. Switch to First Trust Bank. Ask at any branch 0845 6005 925

Our personal current accounts. Switch to First Trust Bank. Ask at any branch 0845 6005 925 Our personal current accounts Switch to First Trust Bank Ask at any branch 0845 6005 925 Welcome to First Trust Bank We offer you all the benefits you would expect from your bank; a great range of quality

More information

APPLICATION FORM RETIREMENT ANNUITY TRUST SCHEME

APPLICATION FORM RETIREMENT ANNUITY TRUST SCHEME APPLICATION FORM This form should be used for a Retirement Annuity Trust Scheme. Separate forms are available for charities, trusts, corporate accounts and deceased estates. We are required to obtain the

More information

How To Plan For Your Future

How To Plan For Your Future Wealth Management at Janney Montgomery Scott W e a l t h M a n a g e m e n t Janney Montgomery Scott understands that wealth like life is more than just an event. It is an ongoing process of growth and

More information

Understanding your cash sweep options

Understanding your cash sweep options M914471105 Understanding your cash sweep options The following information is being provided so that you can review your cash sweep option(s) with your Merrill Lynch financial advisor ( financial advisor

More information

OUR SERVICES. private clients. CityAsset MANAGEMENT PLC

OUR SERVICES. private clients. CityAsset MANAGEMENT PLC CityAsset MANAGEMENT PLC OUR SERVICES private clients The value of investments and the income arising from them, can go down as well as up, and is not guaranteed, which means that you may not get back

More information

Global Client Group The Gateway to AWM

Global Client Group The Gateway to AWM Global Client Group The Gateway to AWM January 2013 For professional investors only Content 1 2 3 Deutsche Bank and Asset Global Client Group Our product and service offering 1 Deutsche Bank A global partner

More information

Plan for Your Future. Make It Happen. Morgan Stanley can help you achieve your financial goals.

Plan for Your Future. Make It Happen. Morgan Stanley can help you achieve your financial goals. Plan for Your Future. Make It Happen. Morgan Stanley can help you achieve your financial goals. What Are Your Hopes and Dreams? Regardless of what stage of life you re currently in moving ahead in your

More information

MLC MasterKey Unit Trust Product Disclosure Statement (PDS)

MLC MasterKey Unit Trust Product Disclosure Statement (PDS) MLC MasterKey Unit Trust Product Disclosure Statement (PDS) Preparation date 1 July 2014 Issued by MLC Investments Limited (MLC) ABN 30 002 641 661 AFSL 230705 This information is general and doesn t take

More information

Your guide to investment funds at Canada Life International Limited

Your guide to investment funds at Canada Life International Limited Your guide to investment funds at Canada Life International Limited Investing in your future Investing offshore Why offshore investing can work for you. Core investment range Access to over 150 internal

More information

Gold Bank Account Helping you to simplify International Banking

Gold Bank Account Helping you to simplify International Banking GOLD BANK ACCOUNT Gold Bank Account Helping you to simplify International Banking At Santander Private Banking, we are committed to providing a consistently high level of service. We focus on building

More information

A Guide to Using HiFX

A Guide to Using HiFX A Guide to Using HiFX Welcome to HiFX Whatever your international payments needs, HiFX gives you access to consistent bank beating exchange rates and the ability to arrange international money transfers

More information

The SwissGuard Solution

The SwissGuard Solution The SwissGuard Solution Privacy and Protection for Your Money The SwissGuard Solution Anyone with capital they want to protect and preserve. Investors who want to diversify their investments globally.

More information

Financial Planning Investment Management Personal Trust Private Banking Insurance Services

Financial Planning Investment Management Personal Trust Private Banking Insurance Services Financial Planning Investment Management Personal Trust Private Banking Insurance Services What s the real bottom line? Our Mission To enrich the lives of our clients by honoring their unique goals For

More information

1 JULY 2015. Investment Guide INDUSTRY, CORPORATE AND PERSONAL DIVISIONS

1 JULY 2015. Investment Guide INDUSTRY, CORPORATE AND PERSONAL DIVISIONS 1 JULY 2015 Investment Guide INDUSTRY, CORPORATE AND PERSONAL DIVISIONS Your investment choice TWUSUPER was established in 1984 as the Industry SuperFund for people in transport and logistics. By understanding

More information

Self Managed Super Funds Take charge

Self Managed Super Funds Take charge Self Managed Super Funds Take charge Gain control of your financial future with a Self-Managed Super Fund (SMSF) About Markiewicz & Co. Markiewicz & Co. is one of Australia s leading full service investment

More information

Business banking working for you

Business banking working for you Supporting Business - Working for you Business banking working for you First Trust Bank Business Banking First Trust Bank offers you the benefits you would expect from your bank and more; a great range

More information

Wealth Structuring and Estate Planning. Your vision and your legacy. Life s better when we re connected

Wealth Structuring and Estate Planning. Your vision and your legacy. Life s better when we re connected Wealth Structuring and Estate Planning Your vision and your legacy Life s better when we re connected Inside 1 Helping you shape the future 2 The elements of wealth structuring 4 The power and flexibility

More information

Private Investment Management. A disciplined investment approach

Private Investment Management. A disciplined investment approach Private Investment Management A disciplined investment approach 03 A disciplined investment approach You have been able to accumulate a substantial amount of capital. However, the challenge is to preserve

More information

Further Information and Contacts

Further Information and Contacts Further Information and Contacts With a significant international presence, we cover all major client centres and we are dedicated to servicing you wherever you are located. Cyprus Nicosia 4 Evrou Street,

More information

Friends Life Online Stakeholder Pension Fund guide

Friends Life Online Stakeholder Pension Fund guide Friends Life Online Stakeholder Pension Fund guide This guide describes the funds available for investment under our Friends Life Online Stakeholder Pension and sets out their aims. Which funds can I choose

More information

Wealth Management. Instinctively global

Wealth Management. Instinctively global Wealth Management Instinctively global In an integrated global economy clients need an integrated global law firm The wealth management landscape is changing and with it the needs of our clients. An instinctively

More information

Philanthropology: The Evolution of Giving

Philanthropology: The Evolution of Giving November 2009 Philanthropology: The Evolution of Giving A white paper in co-operation with Ledbury Research Wealth and Investment Management Introduction In mid-2009, Barclays commissioned Ledbury Research

More information

CLUB LLOYDS PRIVATE BANKING ACCOUNT. Everyday banking that fits around you

CLUB LLOYDS PRIVATE BANKING ACCOUNT. Everyday banking that fits around you CLUB LLOYDS PRIVATE BANKING ACCOUNT Everyday banking that fits around you WELCOME TO YOUR NEW CLUB LLOYDS PRIVATE BANKING ACCOUNT Contents Club Lloyds Private Banking Account 1 Current account credit interest

More information

Open Invest. Important Information Guide. Explaining the changes to your Open Invest Service

Open Invest. Important Information Guide. Explaining the changes to your Open Invest Service Open Invest Important Information Guide Explaining the changes to your Open Invest Service This important guide provides details of the changes to your investment service and what they mean for you. Contents

More information

Fund Guide. A world of opportunities

Fund Guide. A world of opportunities Fund Guide A world of opportunities About this Guide SEB Life International offers a range of unit-linked life assurance policies that can be linked to a wide range of investments. This guide is designed

More information

Investment management. Tailor-made investment solutions

Investment management. Tailor-made investment solutions Investment management Tailor-made investment solutions ABOUT US Tilney Bestinvest is a leading investment and financial planning firm that builds on a heritage of more than 150 years. We look after more

More information

Fiduciary Treasury Service

Fiduciary Treasury Service Fiduciary Treasury Service Providing cash management solutions for our private clients, their companies and their trusts There s Wealth in Our Approach. Founded in 1864, RBC is Canada s largest bank and

More information

Private wealth management Made to measure solutions

Private wealth management Made to measure solutions Private wealth management Made to measure solutions Our range of services For our Private Wealth Management practice, serving private clients ( Business owners, entrepreneurs, wealthy families, artist,

More information

The Law Firm Group at Morgan Stanley

The Law Firm Group at Morgan Stanley The Law Firm Group at Morgan Stanley 717 TEXAS AVENUE SUITE 3050 HOUSTON, TX 77002 713-658-2777 / MAIN 800-890-2774 / TOLL-FREE 713-658-2729 / FAX lawfirmgroup@mssb.com The Law Firm Group at Morgan Stanley

More information

Your Complete Investment Solution taking care of you...

Your Complete Investment Solution taking care of you... investment funds Your Complete Investment Solution taking care of you... Introduction New Ireland is one of the leading providers of investment solutions within the Irish market today. We offer a range

More information

Regular Payments to your ISA

Regular Payments to your ISA Stockbrokers Regular Payments to your ISA Application form Terms and Conditions Regular Payments 1. We will take the regular payment amount from your chosen account on the date that you have chosen or

More information

ABOUT CAZENOVE CAPITAL

ABOUT CAZENOVE CAPITAL Wealth Management ABOUT CAZENOVE CAPITAL At Cazenove Capital we place individual thinking at the heart of everything we do. As a leading provider of wealth management services to private clients, family

More information

Tailored Portfolio Management Service. Investing with purpose and insight

Tailored Portfolio Management Service. Investing with purpose and insight Tailored Portfolio Management Service Investing with purpose and insight Tailored Portfolio Management Service With a history of working closely with wealthy individuals, we take pride in the insight

More information

Private Banking Wealth Management

Private Banking Wealth Management Private Banking Wealth Management Our mission Our mission is to be with you at every point, providing the financial expertise to help you achieve your goals. Whether your needs are basic or complex, we

More information

A personal approach to financial planning. Welcome to Towry. www.towry.com

A personal approach to financial planning. Welcome to Towry. www.towry.com A personal approach to financial planning Welcome to Towry www.towry.com I have been advised by Towry for approximately six years and have been delighted by the highly personalised service they provide.

More information

COPIA QNUPS Retirement Plan

COPIA QNUPS Retirement Plan COPIA QNUPS Retirement Plan FEATURES AND BENEFITS COPIA COPIA Advanced COPIA Advanced Plus 2 COPIA QNUPS Retirement Plan Key Features and Benefits Guide COPIA Retirement Plan The COPIA Retirement Plan

More information

WEALTH MANAGEMENT FOR WEALTH CREATION AND PRESERVATION

WEALTH MANAGEMENT FOR WEALTH CREATION AND PRESERVATION WEALTH MANAGEMENT FOR WEALTH CREATION AND PRESERVATION PLANNING YOUR WEALTH MANAGEMENT STRATEGY Wealth creation and wealth preservation at LighthouseWealth we achieve this balance for our clients through

More information

Interest Rates for Savings and Bank Accounts.

Interest Rates for Savings and Bank Accounts. Interest Rates for Savings and Bank Accounts. Rates apply to accounts held with rates may vary. Reference rates The sterling base rate is the Bank of England Base Rate which is currently %. The US dollar

More information

1 Regional Bank Regional banks specialize in consumer and commercial products within one region of a country, such as a state or within a group of states. A regional bank is smaller than a bank that operates

More information

Deliverable Foreign Exchange & International Payment Services

Deliverable Foreign Exchange & International Payment Services Deliverable Foreign Exchange & International Payment Services Welcome Valbury Capital is a specialist brokerage, offering a wide range of services including a global payment and foreign exchange service.

More information

Guide to Building Your Wealth. 1. What affects the value of money?

Guide to Building Your Wealth. 1. What affects the value of money? Guide to Building Your Wealth 1. What affects the value of money? Money has a tendency to lose its value over time because the price of goods and services usually goes up. This is called inflation. Here

More information

Funding business expansion. Asset Finance and Asset-Based Lending as alternative approaches to Debt Finance

Funding business expansion. Asset Finance and Asset-Based Lending as alternative approaches to Debt Finance Funding business expansion Asset Finance and Asset-Based Lending as alternative approaches to Debt Finance Targeting growth If there was any doubt whether the UK economy remains on the path to growth,

More information

PRIVATE BANKING PREMIER ACCOUNTS. Guide to charges

PRIVATE BANKING PREMIER ACCOUNTS. Guide to charges PRIVATE BANKING PREMIER ACCOUNTS Guide to charges This is your guide to the main fees and charges for services on your Private Banking Premier account and debit card Rates that apply to your Private Banking

More information

Gold Bank Account Helping you to simplify International Banking

Gold Bank Account Helping you to simplify International Banking GOLD BANK ACCOUNT Gold Bank Account Helping you to simplify International Banking At Santander Private Banking, we are committed to providing a consistently high level of service. We focus on building

More information

TREASURY AND INVESTMENT MANAGEMENT POLICY

TREASURY AND INVESTMENT MANAGEMENT POLICY TREASURY AND INVESTMENT MANAGEMENT POLICY 1.0 INTRODUCTION 1.1 This document sets out the policy for the University and its subsidiary companies concerning raising capital finance and investment of surplus

More information

THE OLD MUTUAL INTERNATIONAL investment account

THE OLD MUTUAL INTERNATIONAL investment account THE OLD MUTUAL INTERNATIONAL investment account investments pensions benefit from our strength and reputation The Investment Account is provided by Old Mutual International Isle of Man Limited Singapore

More information

IT S ALL ABOUT YOU. Our strength lies in the breadth and depth of experience we can call on in-house.

IT S ALL ABOUT YOU. Our strength lies in the breadth and depth of experience we can call on in-house. Company Insight IT S ALL ABOUT YOU Insight, inspiration, vision - luck. Many things need to line up for you to enjoy success. We can guide you, so you make the right financial decisions, to allow you to

More information

University of Reading Pension Scheme

University of Reading Pension Scheme Human Resources University of Reading Pension Scheme Investing for Retirement Introduction After deciding how much to save for retirement, where to invest the contributions that you and the University

More information

OPES International Retirement Plan

OPES International Retirement Plan OPES OPES Advanced OPES Advanced Plus FE ATUR ES AND BENE FI TS OPES International Retirement Plan 2 OPES International Retirement Plan OPES lets you retire at a time and in a manner that suits you. This

More information

INVESTMENT POTENTIAL,

INVESTMENT POTENTIAL, ADD POWER TO YOUR INVESTMENT POTENTIAL, CHOOSE THE M&G ISA 2 CONTENTS What is an ISA? 3 The key benefits of ISA investing 4 Reasons to invest in The M&G ISA 6 What is a Junior ISA? 7 The key benefits of

More information

Your investment options University of Reading Pension Scheme

Your investment options University of Reading Pension Scheme Human Resources Your investment options University of Reading Pension Scheme Introduction If you are a member of the University of Reading Pension Scheme (the Scheme) you and your employer pay contributions

More information

ACCOUNT OPENING APPLICATION FORM CLIENT FACT FIND (SIPP ACCOUNT)

ACCOUNT OPENING APPLICATION FORM CLIENT FACT FIND (SIPP ACCOUNT) ACCOUNT OPENING APPLICATION FORM CLIENT FACT FIND (SIPP ACCOUNT) Background to SIPPs Self Invested Personal Pensions (SIPPs) are personal pensions which allow investors to choose where they want their

More information

To us there are no foreign markets. Intermediary Services

To us there are no foreign markets. Intermediary Services To us there are no foreign markets. Intermediary Services N53 31 38 W92 49 24 INVESTMENT OUTCOME WORKING IN PARTNERSHIP ONTARIO, CANADA Working in tandem with intermediaries we offer a real business to

More information

How To Improve Profits At Bmoi

How To Improve Profits At Bmoi Bank of America Merrill Lynch Banking and Insurance CEO Conference London, 29 September 2009 Good morning. I d like to thank Bank of America Merrill Lynch for letting us speak this morning. Before I talk

More information

Putting your dreams within reach. Tailored financial solutions for aviation

Putting your dreams within reach. Tailored financial solutions for aviation Putting your dreams within reach Tailored financial solutions for aviation The highest level of personal attention throughout the acquisition process and beyond Perhaps you ve got your eye on a state-of-the-art

More information

Specialized Content for Investment Advisors Marketing Tools

Specialized Content for Investment Advisors Marketing Tools Specialized Content for Investment Advisors Marketing Tools Table of Contents INTRODUCTION... 2 OUR APPROACH... 2 What we will do for you: Understand, Plan, Act and Monitor... 3 THE NATIONAL BANK FINANCIAL

More information

Transact Guide to Investment Risks

Transact Guide to Investment Risks Integrated Financial Arrangements plc Transact Guide to Investment Risks Integrated Financial Arrangements plc A firm authorised and regulated by the Financial Conduct Authority INTRODUCTION Transact operates

More information

Wealth Management Service

Wealth Management Service Wealth Management Service About AGL Wealth Management Ltd AGL Wealth Management Ltd is a firm of Independent Financial Advisors authorised and regulated by the Financial Conduct Authority. Our senior management

More information

Financial Business Solutions for Corporates and Institutions

Financial Business Solutions for Corporates and Institutions Financial Business Solutions for Corporates and Institutions GLOBAL EXPERTISE, LOCAL SOLUTIONS As a leading banking and financial services provider, we are ideally placed to support you and your projects

More information

Customised Portfolio Management Service

Customised Portfolio Management Service Customised Portfolio Management Service Customised Portfolio Management service Putting you at the heart of our investment thinking Would you like a wealth management service that is genuinely designed

More information

Schroders Charities Our Services

Schroders Charities Our Services Page 2 Introduction Thank you for your interest in. I would like to give a brief introduction to our charity team. We understand that as a charity trustee you will want to know that your assets are being

More information

Banking and Savings Accounts Interest Rates For clients who commenced their relationship with Santander Private Banking on or after 31 March 2014

Banking and Savings Accounts Interest Rates For clients who commenced their relationship with Santander Private Banking on or after 31 March 2014 Page 1 of 6 Banking and Savings Accounts Interest Rates For clients who commenced their relationship with Santander Private Banking on or after 31 March 2014 Page 2 of 6 BANKING ACCOUNTS The is a flexible

More information

Residential Real Estate Investment Services

Residential Real Estate Investment Services Residential Real Estate Investment Services standardchartered.com/je Standard Chartered Bank The ultimate goal of Standard Chartered Bank is to bring our clients best-in-class, bestfit solutions designed

More information

Business Start-Up Package

Business Start-Up Package Business Start-Up Package Ireland s Enterprise Bank Everything you need to help your business start and grow When it comes to starting a business, you have a number of decisions to make. One of the most

More information