Risks & Key information
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General Risk Disclosure
Investments are not bank deposits, and are neither obligations of, nor guaranteed by, Citigroup, or any of its affiliates. They are subject to investment risks, including possible loss of the principal amount invested. Past performance is not indicative of future results; investments can go down as well as up. This means you might get back less than you invested. Stock market investments should be viewed as a medium-term to long-term investment (at least five years).
The information within these web pages does not constitute advice. If you are in any doubt about the suitability of this investment, we recommend that you speak with one of our qualified Investment Consultants. Call us on 0800 00 88 00. A charge may apply for investment advice.
Investments in smaller companies may involve a higher degree of risk, as share prices in this sector are significantly more volatile than those of large cap stocks. Investments in emerging markets may involve a higher degree of risk due to political and economic instability and underdeveloped markets and systems.
Investors investing in investment products denominated in non-local currency may be subject to risk of exchange rate fluctuations, which could result in loss of principal if converted back to your home currency. Fees that apply to your investment are contained within the Key Facts Document or have been verbally provided by your Investment Consultant in the event that you have received advice on your investment.
Changes in exchange rates may also affect performance (unfavourably as well as favourably). Please be aware that the favourable tax treatment of ISAs may not continue in the future if law and HM Revenue and Customs practice change. As the client, you are solely responsible for acquiring appropriate independent tax advice regarding any transactions entered into relating to ISA Plans as we are unable to give advice relating to tax or to the suitability from a tax-planning perspective of any strategy or investment or to your compliance with any other laws, regulation or rules. A Multi-Manager Fund may have a higher cost compared to a single fund due to its investment structure. However, the advantage is that they tend to achieve a greater degree of investment diversification.
Other Important Information
Please make sure you have read the ISA Terms and Conditions and the Key Facts Document. Please also make sure you read the Questions and answers, including the Risk Factors, which are in this brochure, fund information on the providers websites, and the Investment & Insurance Terms of Business.
Terms and Conditions
For details of other available funds or if you are in any doubt about the suitability of this investment, please seek advice from one of our Investment Consultants or contact us for a brochure on 0800 00 88 00. A charge may apply for investment advice. Any advice you receive will be provided by Citibank International plc, Canada Square, London E14 5LB, which is authorised and regulated by the Financial Services Authority.
Important Information |
Applications must be received by 1st April 2011 to qualify for the 2010/11 tax year  |