Online Investment Service. Helping you get the best out of your investments

Transcription

1 Online Investment Service Helping you get the best out of your investments

2 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 9 billion on our clients behalf and pride ourselves on offering the very highest levels of professional client service with transparent, competitive pricing across our entire range of solutions. Whether you and your family would like to have your investments managed by us, require the support of a highly qualified adviser, prefer to make your own investment decisions or want to take more than one approach, we can help. If you need assistance with your financial planning, including retirement planning, we also have a nationwide team of experts available. We have won numerous awards including UK Wealth Manager of the Year, Low-cost SIPP Provider of the Year and Self-select ISA Provider of the Year 2013, as voted by readers of the Financial Times and Investors Chronicle. However, we draw greatest pride from the fact that our biggest source of new business is personal referrals from existing clients. Headquartered in Mayfair, London, we employ almost 400 staff across our network of offices, giving us full UK coverage, and we combine our awardwinning research and expertise to provide a personalised service to clients whatever their investment needs. We hope that we can help you and your family and look forward to welcoming you as a client. CONTENTS 3 Welcome to the Online Investment Service Peter Hall CHIEF EXECUTIVE 4 Features & benefits of the service 6 The freedom to choose your level of involvement Best Wealth Manager of the Year 2013 Best Wealth Manager for Investments 2013 Past performance is not a reliable indicator of future returns. 2 Online Investment Service

3 Welcome to the Online Investment Service Understanding that our clients have many different approaches to investing is at the heart of the Online Investment Service. Drawing together all of our experience, not only in supporting self-directed investors but also in investment and wealth management, we have moved online investing into new territory by creating a service that helps you hold, review and monitor your existing investments, understand your overall wealth and commitments, plan for the future, set goals and create portfolios to track progress towards achieving them and select the best investments. It s like a menu you can choose from so you can use as many or as few of those features as you like. You can review your existing investment portfolio to check how much risk you re taking, how well the mix of investments matches that risk and what the quality of your underlying investments is. You can put in the value of your house and other assets and your debts, so you have a complete breakdown of your net worth and stay on top of your overall financial position. If you want to plan for the future, you can set different investment goals, for example planning for retirement, covering the cost of education, paying off a mortgage or simply building a nest egg. You can then create portfolios linked to these specific goals and track how you re doing against that plan. Then, when it comes to investing, if you know the investments you want, it s quick to access and buy them from the extensive choice across funds, investment trusts and exchange-traded funds. Our award-winning research team s in-depth insights are freely available for those needing inspiration or for those of you who simply want a selection of funds to match the level of risk you re willing to take, we also have a wide range of ready-made investment portfolios to choose from. They are not personal recommendations but can give a kick-start to your investments. Using the tools and features will help you to get a firm grip on your finances and we are confident that you won t find anything as comprehensive, intuitive or easy to use anywhere else on the market. I hope that you will find the Online Investment Service helpful in achieving your own personal investment objectives. WHAT THE ONLINE INVESTMENT SERVICE DOES Personal Balance Sheet UNDERSTAND The Online Investment Service PLAN TOOLS TO HELP: Plan for Retirement Pay off a Mortgage Save for a Big Purchase Save for Education Build a Nest Egg Portfolio Creation Tool REVIEW INVEST Investment Report Spot the Dog The Investment Selector Ready-made Investment Portfolios Multi-asset Portfolios Premier Selection bestinvest.co.uk best@bestinvest.co.uk 3

4 Features & benefits of the service The Online Investment Service enables you to develop and set investment goals, choose investments via our powerful Investment Selector or view a selection of our research-backed ideas, and then manage, monitor and analyse your investments across all account types. Building on our heritage of harnessing technology to help our clients achieve their financial goals, we are confident the Online Investment Service stands head and shoulders above any other service aimed at those choosing to make their own investment decisions. To find out more about the Online Investment Service, visit bestinvest.co.uk/ois AN UNPARALLELED RANGE OF TOOLS Use our tools to set your investment goals and then establish what you need to do to achieve them. You can choose from: Planning for retirement Covering the cost of education Building a nest egg Saving for a big purchase Paying off a mortgage A POWERFUL INVESTMENT SELECTOR Our Investment Selector covers funds, investment trusts, ETFs and shares and allows you to search for different investments based on wide ranging criteria. Within the tool there is also a section dedicated to highlighting our own investment ideas, for example our research team s latest views, ready-made investment portfolios or new fund launches. IMPORTANT INFORMATION The value of investments, and the income derived from them, can go down as well as up and you can get back less than you originally invested. The Online Investment Service and FIRST are guidance-only services, which means they do not provide investment advice or recommendations. To try out the new tools, visit bestinvest.co.uk/tools Try the Investment Selector at bestinvest.co.uk/investment-selector If you d like to get a better feel for the Investment Report that our clients have access to, try our Free Investment Report Service and Tool (FIRST). This analyses your investments on the key measures of risk level, asset allocation and investment rating. Visit bestinvest.co.uk/first to use the tool or call us on and we can prepare a report for you. 4 Online Investment Service

5 THE PORTFOLIO CREATION TOOL Most of us invest for specific purposes such as achieving a decent level of income in retirement, paying off a mortgage or saving for future education costs. The Portfolio Creation tool allows you to group your accounts into different portfolios and link these to specific goals. It s then easy to see whether you are on track to achieve your goal. INVESTMENT REPORT The Investment Report allows you to analyse your portfolio against three key criteria for successful investing: risk, asset allocation and the quality of your investments. It shows how we score a portfolio against these measures and comes with the ability to drill down into more detailed portfolio information such as volatility levels, asset allocation against one of our asset models and information on how we rate each of the funds within the portfolio. PERSONAL BALANCE SHEET Clients of the Online Investment Service can access a Personal Balance Sheet when logging in to their accounts. It automatically pulls in your details and to this you can add information about other investments held elsewhere plus cash savings, other assets and loans. By completing the Personal Balance Sheet it s easy to see a complete picture of your finances and work out, at a glance, if your plans are on track. This tool is only available to clients of the Online Investment Service. Log in to My Accounts to use it. The Investment Report is only available to clients of the Online Investment Service. Log in to My Accounts to use it. This tool is only available to clients of the Online Investment Service. Log in to My Accounts to use it. We can help you get the best from your investments, whether held with us or another provider. Call one of our friendly ainvestment professionals on or best@bestinvest.co.uk bestinvest.co.uk best@bestinvest.co.uk 5

6 The freedom to choose your level of involvement We know that our clients have different levels of time, knowledge and inclination when it comes to building and maintaining a portfolio of investments. And we know that being a self-directed investor doesn t change this so the Online Investment Service gives you the freedom to choose the level of involvement you have with your investments. CHOOSE YOUR OWN INVESTMENTS Our Investment Selector makes it easy to pick out the investments you want and build your own portfolio. We also have an impressive range of research and investment ideas available if you need inspiration. Visit bestinvest.co.uk/fund-research to find out more. READY-MADE INVESTMENT PORTFOLIOS: GET OFF TO A FLYING START If you want to manage your own investments but would like further expert perspective at the outset, why not opt for one of our ready-made portfolios? We have a range of ready-made portfolios containing a selection of our top-rated funds. These offer a simple way for you to spread your investments across a number of markets. Built by our research team to suit investors with different investment objectives and attitudes to risk, each ready-made portfolio includes funds that have been carefully selected because we believe they have what it takes to deliver over the long term and because they complement one another to create a well-balanced portfolio. It will be up to you to choose the ready-made portfolio that matches your needs. You will also be responsible for monitoring ready-made portfolios and making decisions about future changes to the asset allocation and investments, although you will have access to our tools, expert research and telephone-based professionals to help you with this. Visit bestinvest.co.uk/ready-made to find out more. MULTI-ASSET PORTFOLIOS: INVEST INTO A MANAGED SOLUTION Our Multi-asset Portfolio (MAP) funds are designed to allow you to select from a range of investment objectives and benefit from our expertise in fund research, portfolio construction and investment management. MAP can be held in an ISA, a SIPP* or as a general investment. Whether you are looking for growth, income or a way to protect your investments, we have a strategy that can help you achieve your aims. Choose from five investment strategies, each designed to meet different investment needs. We then manage the portfolio, ensuring you are always invested into highly rated funds. Visit bestinvest.co.uk/map to find out more. Premier Selection features our research team s pick of top-rated funds and investment trusts across all major sectors. Spot the Dog is the UK s definitive guide that names and shames the worst-performing funds. Download both at bestinvest.co.uk/free-guides Research expertise The success of our research team s fund selection has a huge impact on the value of investment portfolios held by our clients. We therefore believe in recruiting highly qualified specialists who focus exclusively on seeking out the best investment ideas from across the market. 6 Online Investment Service Our analysts put over 400 fund managers through their paces each year, have a stringent rating process and make sure ongoing performance is monitored during the ever-changing market conditions.

7 The Online Investment Service gives you access to more than 2,000 funds, 100s of investment trusts and exchange-traded funds and all UK-listed shares. SEE ALL YOUR INVESTMENTS IN ONE PLACE Your Online Investment Service account is designed so you can see all your investments across all your portfolios in one place under one login at any time. Across different tax wrappers and levels of service with us, there is an almost endless combination of portfolios you can have, and you can access them all straight from your dashboard. You can also link your account with family members and hold joint accounts to give a complete view of your investments. You can then go into each portfolio or combine several to create customised portfolios and analyse performance, asset allocation, geographical diversification and much more. GETTING STARTED Opening an account is easy and whether you want to fund a new investment with cash or transfer existing investments, we are here to guide you through the process. MAKING A NEW INVESTMENT If you want to make a new investment in an ISA, SIPP, Investment Account or Junior ISA simply visit bestinvest.co.uk/invest-now or give us a call on and we will point you in the right direction. TRANSFERRING EXISTING INVESTMENTS We have a dedicated transfer team that is here to make it easy for you to transfer to the Online Investment Service and for you to ask questions to help you decide whether a transfer is right for you. Our team can prepare any paperwork for you, discuss the best method of transferring and ensure the process goes as smoothly as possible for you. If you have any investments you are thinking of consolidating onto the Online Investment Service please call us on or best@bestinvest.co.uk and we will be happy to help you. IMPORTANT INFORMATION The Online Investment Service, including any account analysis and investment reports provided by our guidance services, is an online execution-only dealing service for investors who want to make their own investment decisions. It does not provide advice on the suitability of products and investments; if you are unsure about the suitability of any investment you should seek professional advice. The value of investments and the income from them can go down as well as up, and you can get back less than you originally invested. This guide does not constitute a personal recommendation, or advice to invest or transfer your investments. *SIPPs are not suitable for everyone. If you don t want to invest across different asset classes or don t think you will make use of the investment choices that SIPPs give you then a SIPP might not be right for you. Prevailing tax rates and the availability of tax reliefs are dependent on your individual circumstances and are subject to change. bestinvest.co.uk best@bestinvest.co.uk 7

8 NEXT STEP Call us on or bestinvest.co.uk The Tilney Bestinvest Group of Companies comprises the firms Bestinvest (Brokers) Ltd (Reg. No ), Tilney Investment Management (Reg. No ), Bestinvest (Consultants) Ltd (Reg. No ) and HW Financial Services Ltd (Reg. No ) all of which are authorised and regulated by the Financial Conduct Authority. Registered office: 6 Chesterfield Gardens, Mayfair, W1J 5BQ. BOISG IMPORTANT INFORMATION The value of your investment can go down as well as up and you can get back less than you originally invested. Prevailing tax rates and reliefs are dependent on your individual circumstances and are subject to change. This document does not constitute personal advice. If you are in any doubt as to the suitability of an investment, please contact one of our advisers.