The information on this website is not ‘advice’, it is provided solely as information. Where any investments and/or investment services are referred to these may not be suitable for particular investors who should contact us for any such financial advice.

Unlike cash, stock market based investments are not guaranteed and fall in value as well as rise; we therefore believe you should only invest for the longer term. Ultimately you could get back less than you invest. Any yields will vary over time so income is variable and not guaranteed.

Cancellation rights may not be available. Most investments do probably not provide capital guarantees like a deposit account and may not be readily accessible.

Past performance should not be seen as an indication of future performance. Exchange rate fluctuations may have an adverse effect on the values.

Tax rules change over time and any benefit to you will depend on your circumstances.

Investments and investment plans normally incur charges which could, amongst others, be initial, ongoing or apply at the time of realisation.

Some investments can be less readily realisable than others (e.g. property funds) and it may be difficult to deal in or obtain reliable information about their value.

Some assets carry a higher degree of risk of losing money than others. It may be difficult to deal in such assets.

This list is not comprehensive and certain risks apply to certain products, markets etc. Again you should refer to us where any clarification is required.