Provided by. Saga Share Direct. Account Guide. Trading Account Stocks and Shares ISA Investment Clubs Trading Account

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1 Provided by Saga Share Direct Account Guide Trading Account Stocks and Shares ISA Investment Clubs Trading Account

2 Contents Introducing the Saga Share Direct nominee service...3 Types of account available...4 How it all works...5 Funding your account...5 Types of investment available...5 Frequently asked questions...6 Getting started It is quick and easy to open a Trading Account or Stocks and Shares ISA, provided by Barclays Stockbrokers and there are a number of ways to do it. By telephone Call the Customer Service Team on * Online Visit our website sagasharedirect.co.uk and click on Open Account By post If you have already received application forms all you need to do is complete and sign them, then return them to us with any requested documentation. Once your account is open we will send you a letter confirming your User ID reference, which you will need in order to access your portfolio online or to trade over the telephone. You will also be sent a Trading Guide that explains in more detail how to trade, what you can trade in and how you might take advantage of the advanced tools and account features. Please note that Saga Share Direct, which is provided by Barclays Stockbrokers, is execution-only, which means they do not offer advice. Shares are high-risk investments. Share prices and the income from them can fall as well as rise and you may not get back the full amount invested. This service is not suitable for everyone. If you have any doubt whether it is suitable for you, you should obtain expert advice. The information contained on the website should not be taken as recommendation. Any information provided is solely for the purposes of helping you to make your own investment decisions. 2

3 Introducing the Saga Share Direct nominee service Saga Share Direct s Trading Accounts and ISAs are provided by Barclays Stockbrokers and offer a reliable and competitive nominee share dealing service. This takes a lot of the hassle out of trading and leaves you more time to concentrate on choosing where to invest. The other key benefits of this service are: No account management or administration fees No inactivity fees Competitive commission rates and even lower rates available for frequent traders (see our Scale of Charges leaflet for details) Online and telephone-based trading, with UK-only call centres Access to a free online Research Centre to help you choose the trades that suit your requirements Access to a free online Education Centre to help you understand how the stock market works and learn new ways to trade Shares are held electronically to reduce your paperwork (you will receive regular statements through the post and you can check your account online 24 hours a day, 7 days a week) Free stop and limit order facilities, giving you complete control over your investments Deal in UK Equities, UK Government securities (Gilts), Corporate and Government Bonds, a selection of warrants and Permanent Interest Bearing shares (PIBs) Access to around 2,000 funds from over 100 leading Fund Managers with no initial or dealing charges Access to new, lower cost clean share classes of funds, helping you get a better deal with investing Paper contract notes sent to you after every deal A Consolidated Tax Certificate is sent to you once a year to help with completing your tax return (not applicable to ISA accounts). 3

4 Types of account available Whether you re an occasional or frequent trader, a novice or experienced investor, the Saga Share Direct service, which is provided by Barclays Stockbrokers, offers flexible share dealing to suit. Both by telephone and online you can enjoy fast, easy access to a wide range of services and tools to help you make the most of your investments. To offer you the best possible flexibility for your trading Saga Share Direct has three types of account available: Trading Account The Trading Account is available to individuals and joint account holders. The standard trading limit is 50,000 per person and is adjusted according to the value of stock and cash you hold in your account. For further details of trading limits available, how they are calculated or to discuss your own personal requirements, please call the Customer Service Team on *. Stocks and Shares ISA A Stocks and Shares ISA allows you to avoid paying Capital Gains Tax and Income Tax by utilising the Government s ISA allowance. The Saga Stocks and Shares ISA operates in very much the same way as a Trading Account, with the main exception being the trading limit. In the 2015/16 tax year, the maximum amount you are allowed to put into an ISA is 15,240. This can be put into either a Cash ISA or a Stocks and Shares ISA or you can choose to put a percentage into each. Cash ISAs are not available through Saga Share Direct. Please note: To apply for a Stocks and Shares ISA you must open your account with a minimum of 250. For further details about how the Stocks and Shares ISA works or how trading limits are calculated, please call the Customer Service Team on *. Investment Clubs Trading Account Investment clubs can be a great way to learn about investing in the stock market and to benefit from the experience of your friends and family. The principle is simple. A group of people get together, usually once a month for a couple of hours, and discuss potential investments. Each member contributes some spare money, typically anything between 25 and 50 a month per person. The club then decides collectively which shares to buy and sell. For your security, purchases on investment club accounts are limited to the balance of your club s cash account. Sales made through the account are limited to the stock that you hold. Prefer to hold Share Certificates? There are numerous advantages to holding your shares in any of the nominee accounts mentioned above, not least of which is the lower dealing commissions. However, many of our customers prefer to hold share certificates registered in their own name. If you think you would prefer to trade in this way, please call the Customer Service Team on * to discuss the options available. Please note the rules on taxation can change. Saga Share Direct is not a tax adviser and is not providing you with tax advice. If you have any queries as to the tax implications of any investment you should seek independent advice. The value to you of any tax benefits will depend on your tax position. You should consult a tax adviser in order to understand the impact of your investment decisions on your tax position. 4

5 How it all works Saga Share Direct s nominee trading accounts operate in a similar way to a typical bank account. Any cash and investments you own are held by Barclays Bank PLC and administered on your behalf. As a result, here s what you can expect: Lower commission rates for dealing A printed contract note confirming every trade you make A printed statement every quarter, providing details of any trades you ve made in the previous quarter, dividends received, the current value of the investments and cash in your account, plus any change in their valuation since your previous statement An annual Consolidated Tax Certificate to make filling in a tax return simpler (not required for ISAs) Telephone dealing via UK-only call centres Online dealing with a variety of useful order types Online access to your full account information and portfolio value 24 hours a day, 365 days a year Notification of any corporate actions announced by companies you have invested in. You can also attend relevant Annual General Meetings or benefit from shareholder perks for the companies you hold shares in. The Customer Service Team will be happy to provide information about how to obtain your entitlements. Types of investment available Once you have fully opened your account you will be able to trade both online and via the telephone. However, some investment types are only available over the telephone. Investment Type Online Telephone LSE-listed stocks 3 3 AIM-listed stocks 3 3 Funds Market Unit Trusts and OEICs 3 3 Non-Funds Market Unit Trusts and OEICs 3 Gilts 3 Bonds 3 ETFs 3 3 PIBs 3 Warrants 3 3 Funding your account For your convenience, you can fund your account in a number of different ways: Direct Debit Debit Card Cheque (minimum 50) CHAPS, BACs and other electronic payments Depositing existing Share Certificates. Further details about how to fund your account will be provided in your Welcome Pack, alternatively please call * for further details. Important information regarding cheques Due to the nature of a cheque payment, the funds can be returned unpaid by your bank up to five days after presentation. For yours and Barclays protection, Barclays will first apply your cheque to their central Clearing Account. Once it is considered cleared, which will typically be six working days after receipt, the funds will be applied to your trading account. Please note that cheques received after 3pm will be banked the following day. As soon as a cheque has cleared and been credited to your dealing account, your Available to Invest figure will be updated. A withdrawal of cash from your account can only be made against cheques that have cleared. To reduce the time taken to apply your funds to your trading account, you can make a debit card payment online or over the telephone. You can also send funds via a telegraphic transfer or, if you bank with Barclays, you can fund your account using a Client Debit Authority (CDA). To confirm receipt of your cheque prior to being applied to your account, or to discuss alternative methods of funding your account, please contact the Customer Service Team on *. 5

6 Frequently asked questions 6 Is Saga Share Direct open to anybody? If you are a resident of the United Kingdom aged 50 or over, you can open an account online, by telephone or by sending us your application form, a completed Direct Debit mandate and a recent bank statement for your chosen bank account. This must be an original statement dated within the last six months. Copies of statements are not acceptable. To qualify for an Investment Club the two representatives will need to be 50 or over. Please call * for details. Why do I need to send a bank statement? This is required to satisfy anti-money laundering requirements before we can open your account. How long will it take to open my account? You can open a Trading Account online before 5pm, access the online research immediately and you could be trading the following day. By post it usually takes only five business days to set up your account, as long as you provide us your correctly completed application (including your Direct Debit) and any further documentation that has been requested, such as a recent bank statement from your chosen bank account. You can also open an account over the telephone by calling * Please note that Stocks and Shares ISAs take slightly longer to open. Please call for details. How do I open a joint account? It is easy to open a share dealing account with a partner, spouse, or friend. You will both need to sign the application form. Either of you can deal, add cash or place instructions for corporate actions. Bear in mind you will only be able to re-register investments or close down the account together. Joint accounts are not available for ISAs. Can I transfer my existing share dealing account or ISA from another broker to Saga Share Direct? Yes. You will need to complete a Transfer from your Current Broker Form or an ISA Transfer Form. Both are available from the Customer Services Team by calling *. Please note that this process can take up to 12 weeks, depending on your existing broker. When I transfer my existing shares into to a Saga Share Direct nominee account, how long does it take? Once your signed Transfer Forms have been received, it usually takes no more than ten business days for your shares to appear in your account (non-crest stocks may take longer). However, if you are transferring from another broker the process can take up to 12 weeks. Please note that shares can only be directly transferred into an ISA if they have been acquired through a savings related share options scheme, an approved profit sharing scheme or a share incentive plan. Other shares will have to be sold and re-purchased into your ISA. Do you provide information for my tax return? Yes, except for the Stocks and Shares ISA account, which does not accrue tax. A Consolidated Tax Certificate (CTC) will be issued after 5 April every tax year. It summarises all the dividends that you have received through your share dealing account in the tax year just ended, as well as interest on cash balances held in your account. However, it does not include capital gains tax. Do I get shareholder perks? If you would like more information on the availability of shareholder perks on shares held in your account, or would like to attend and/or vote at an AGM, please call the Customer Service Team on *. What do I do if any of my personal details change? If any of your details change it is important to ensure your Saga Share Direct account details are updated. You can do this by writing, phoning or using the Contact Us link when logged onto the Saga Share Direct website. Other contact details are below. If you change your bank details you will need to provide confirmation from your new bank, or a recent bank statement, before your account records can be amended. In all communications regarding your account, please remember to include your share dealing account number. Account Maintenance Department, Saga Share Direct, PO Box 15172, Tay House, 300 Bath Street, Glasgow G2 4LH. If I have a complaint, what should I do? It is very important that you provide feedback if you are not happy with any element of the share dealing service. With this feedback the Saga Share Direct service has the opportunity to put things right. In order to provide this feedback you can do so via any of the following methods. Telephone: * Alternatively, please write to: Customer Services Department, Saga Share Direct PO Box 15172, Tay House, 300 Bath Street, Glasgow G2 4LH.

7 Financial Services Compensation Scheme The Financial Services Compensation Scheme (FSCS) can pay compensation if an authorised firm is unable to meet its financial obligations. Most investors, including most individuals and small businesses, are covered by the scheme. For further information about the scheme (including the amounts covered and eligibility to claim) refer to the FSCS website or call

8 *Lines are open from 7.30am to 6pm Monday to Friday, excluding Bank Holidays. If you are calling from outside the UK, please call Calls may be recorded to monitor the quality of our service, to check instructions and for security purposes. Saga Share Direct is a registered trading name of Acromas Financial Services Limited. Saga Share Direct is provided and operated by Barclays Stockbrokers. Barclays Stockbrokers is a trading name of Barclays Bank PLC (Registered No , Registered VAT No ), which is a member of the London Stock Exchange and ISDX. 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. The registered address is 1 Churchill Place, London E14 5HP. CSL-AF0528 DN/NB/AG/A4/515

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