1st Floor, 55 High Street, Epsom, Surrey, KT19 8DH Tel: Fax:

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1 FINANCIAL SERVICES 1st Floor, 55 High Street, Epsom, Surrey, KT19 8DH Tel: Fax: Grayside Limited is authorised and regulated by the Financial Services Authority. grayside brochure_final.indd 1 8/1/10 16:04:26

2 THE INVESTMENT SOLUTION FROM EQUUS FINANCIAL SERVICES Promoting Investment Health grayside brochure_final.indd 2 8/1/10 16:04:28

3 Welcome Give your investments Equus - The benefits at a glance the VIP treatment management via a single investment solution When it comes to our health, we like to know that we re in the best possible hands. Online access to investment information 24 hours a day, 365 days a year The same, of course, is true of our financial Quarterly fund rebalancing and reviews health. Pensions, ISAs, investment bonds and Quarterly Investment Reports containing an economic review and market data the multitude of other options available to us to manage our finances all need to be monitored, managed and developed in order to both protect and nurture our assets. Quarterly fund fact sheets detailing investment performance against a selected benchmark The ability to switch between investment portfolios free of charge should your goals and aspirations change Option to buy and sell between investment accounts EQUUS The ability to consolidate other investments into a single, structured and defined strategy Consolidated reports to make your tax return easier A clear transaction history showing all costs and charges Which is why Grayside has created Equus, the online investment solution that brings all your funds into one easy-to-manage structure - and puts you back in control. With Equus, you will benefit from leadingedge technology, expert investment analysis, independent financial advice and transparent charging. Everything you need, in fact, to promote and maintain the health of your investments. 2 grayside brochure_final.indd 3 promoting investment health 8/1/10 16:04:31

4 Equus will simplify your investment portfolio. Where traditionally your Independent Financial Adviser (IFA) may have arranged and managed several financial products separately for you pensions, ISAs, investment bonds, for example today you can manage these via one simple investment solution. As this removes much of the complexity of managing your investments, Grayside will be able to offer you a more effective, transparent and expert Independent Financial Advice service. Putting the balance in your favour The Technology Behind Equus The technological platform for Equus is provided by Nucleus Financial Group. Founded in 2006, Nucleus was established for IFAs as a means of providing investors with groundbreaking levels of service, value and transparency. The robust software is used by nearly 100 companies across the world. A key advantage for investors using Equus is the quarterly rebalancing of each portfolio. This process invests the gains achieved by higher performing elements in your portfolio into Your Equus investment and management information will be available for you to access 24 hours a day, 365 days a year via those with lower performance levels, adhering to good investment practice of buying low and selling high. Research by a leading UK insurer found that, over the last decade, the returns from rebalanced portfolios would have been 16% higher than those that had not been rebalanced. Also, volatility would have been significantly reduced over this period. 3 grayside brochure_final.indd 4 8/1/10 16:04:36

5 At Grayside, we recognise that no two clients are the same. Your investment aims, timescales and appetite for risk create opportunities and requirements that are unique to you. EQUUS Discover a new flexibility To help us select the investment portfolio Investment accounts include: which is right for you, we have designed a An Individual Savings Account (ISA) short questionnaire. From the information you Two Pension Accounts allowing Protected provide on this questionnaire, we will be able to recommend an investment structured specifically for you. This will include one or more from a choice of investment accounts. We can manage the level of risk you are exposed to by choosing from investment options ranging from the Grayside Cautious Growth to the Grayside Specialist Growth. And because all of your accounts can be viewed simultaneously, you will be able to see and understand how they are being managed for tax efficiency and growth potential. Rights and Non-Protected Rights benefits A General Account (or Unit Trust ) Onshore and Offshore Investment Bonds Direct Equities and Shares Switches can be made freely between our investment portfolios, should your goals and aspirations change and your Grayside adviser would of course recommend such changes. In addition, you can buy and sell between investment accounts to ensure your money is always invested in the most appropriate account. You can also move any existing investments you may have into Equus. This will give you the advantages of investment consolidation, access to our Model Investment s, transparent charging and online access to your investment management information. 4 grayside brochure_final.indd 5 promoting investment health 8/1/10 16:04:38

6 Keeping our fi ngers fi rmly on the pulse The freedom to select assets that are right for you lies at the heart of Equus. So, provided there are no legal obstacles to holding a given asset within your portfolio or concerns regarding its management, we can include it. To give you the greatest possible benefit from these funds, we have created eight Grayside Model Investment portfolios. Of these, five are geared towards the potential for growth with the remaining three optimised for income. We have access to over 160 leading UK investment houses, which, between them manage more than 2,200 individual funds - and the numbers are growing continually. Equus Grayside Model Investment s How Equus works Client Grayside Adviser Fact Find Risk Analysis Research ISA Account Pension Account Protected Rights Pension Account General Account Onshore Bond Account Offshore Bond Account Cautious Growth Balanced Growth Progressive Growth Adventurous Growth Specialist Growth Cautious Income Balanced Income Progressive Income Independent Investment Research Direct Equities and Shares Naturally, the best decisions are based on the best information. Following careful due diligence and screening, Grayside appointed Rayner Spencer Mills (RSM) to provide specialist consulting and research services. RSM is one of the most respected and trusted research companies in the financial sector. The fully researched and regularly updated fund lists that RSM prepare for us ensure that we can constantly improve our service to you and the value of your investments. RSM also monitors our portfolios and provides formal quarterly reviews. As part of this service, RSM will tell us if any of our portfolios require any alterations, such as a simple amendment to the asset allocation or perhaps a change of fund manager. As an Equus investor, you will receive the quarterly Grayside Investment Report. This includes a fund fact sheet detailing the performance of your investment over the previous quarter and details of any changes that RSM may recommend. With your permission, these changes are then applied to your investments. This robust process provides governance and reassurance that your portfolio is completely up to date. Your portfolio is also automatically rebalanced each quarter to ensure that the asset allocation remains optimised. 5 grayside brochure_final.indd 6 8/1/10 16:04:40

7 Before creating your Equus investment, your Grayside adviser will provide initial advice based on your needs, investment goals and appetite for risk. We will agree a fee with you in advance for this stage. Thereafter, annual fees are calculated as a small percentage of your total investment as follows: Exercising control over costs Nucleus fee % per annum Covers administration costs, technology and investment accounts Grayside fee % per annum EQUUS Covers ongoing independent advice and service plus the quarterly reviews Fund Management fees Annual management fees across our eight portfolios vary depending upon the assets held. For example, the Balanced Growth would have an annual cost of around 0.67% Typically, annual fees equate to approximately 1.77%. This compares favourably to other investment solutions, and in particular to many products of the past. 6 grayside brochure_final.indd 7 promoting investment health 8/1/10 16:04:43

8 Grayside Financial Independence through Independent Financial Advice For over 35 years, Grayside has been offering expert, Independent Financial Advice. An experienced team of qualified advisers enables Grayside to provide advice right across the financial services sector. Quite simply, Grayside has designed the Equus investment solution to build upon the foundations we have already established. This will enable us to create and review an investment strategy which will meet your future goals and aspirations for many years to come. The combination of the quarterly investment reviews, online information and most importantly, regular contact with your Grayside adviser will ensure that our ongoing service to you is always aligned to your individual needs and objectives. Equus The complete investment solution. The value of your investment can fall as well as rise as can any income paid from it. Past performance is no indication to future performance and you may receive back less than you originally invested. 7 grayside brochure_final.indd 8 8/1/10 16:04:44