Wealth management - investment product guide

Whatever your investment goals, we can help

We have designed our diverse range of products to meet your investment and protection needs. Your dedicated Investment Consultant will give you expert advice as to which products best meet your individual needs.

Investment Funds

Investment funds allow you to pool your money with that of other investors to purchase assets such as shares, property and bonds. They are a simple and cost-effective way of diversifying your money across different assets and asset classes and could potentially reduce your investment risk. The funds are managed by investment professionals and their expertise allows them to identify opportunities to deliver capital growth.

ISAs

ISAs (Individual Savings Accounts) are a tax-efficient way of saving and investing. The annual limit you can currently invest in an Investment ISA is £11,280.

We have a number of options available for making the most of your ISA allowance. Your Investment Consultant will take you through these options and will help you choose a suitable investment solution for your ISA allowance.

Please be aware that the favourable tax treatment of ISAs may not continue in the future if law and HM Revenue and Customs change. The value of the tax treatment depends on individual circumstances.

more about our Investment ISA

Capital Protected Products

Capital Protected (or Structured) Products provide an opportunity to gain an in-direct exposure to stock markets and other asset classes with a pre-defined risk level.

In most instances a level of capital protection is offered when products are held to maturity which in turn can be considered to help lower the overall risk and volatility within a wider portfolio. The main reason for this is that Capital Protected Products tend to perform more like bonds up to maturity in that they usually have a lower level of volatility compared with equities. They can therefore be considered as an alternative or complementary addition to traditional investment funds. If you hold your Capital Protected Product until maturity, the return will be calculated using the value of a derivative or option which is structured to provide indirect exposure to the stock market or asset class.

We are able to select strategies based on our research, and then tailor these products to take advantage of certain market conditions, including the level of risk and capital protection offered (full, partial or non-protected). However, they are exposed to various other risks that should be reviewed and understood before investing.

If you do not hold your Capital Protected Product until maturity or if the issuer does not remain solvent, you risk losing part or all of your original investment. In addition, the value of your investment may not keep pace with inflation and may not provide a return at maturity. There are also other risks associated with Capital Protected Products which will be specific to each product and will be documented with the product literature. Please talk to your Investment Consultant for further information.

Protection

You can never guarantee what the future holds, but we offer a variety of ways to help protect you and your family should the unexpected happen. Your Citigold Investment Consultant will advise you of the options and the potential benefits of a wide range of financial protection products from our selected insurance provider Legal and General such as:

• Life cover
• Critical illness cover
• Income protection
  
  

more about our expert advice
more about our investment recommendations
more about asset allocation
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Important Information

We don’t charge for our financial consultations. However if you decide to invest in any of the investment products your Investment Consultant recommends, a fee of up to 3% of the value of your investments will apply. Additional charges such as management charges on funds will also apply - full details are available on request.