Your Guide to the Personal Finance Portal (PFP)

Transcription

1 Your Guide to the Personal Finance Portal (PFP) Introduction to the Personal Finance Portal Access to the Personal Finance Portal (PFP) is provided as part of our Ongoing Service for investment customers. The site allows you to do the following: View up-to-date valuations of all of your Nationwide Financial Planning investment products Drill down to see details on fund holdings, your largest stock holdings, portfolio valuation history and more View fund fact sheets and performance history for all the funds in which you re invested View the electronic copy of your Annual Customer Report, produced on the anniversary of your first investment under Ongoing Service Receive secure messages and documents from your Financial Planning Manager Top-up, switch and sell your investments via the Investor Portfolio Service (IPS) How do I get access to PFP? To be eligible for PFP access, you must be a Nationwide Financial Planning investment customer who is signed up for our Ongoing Service. If this applies to you and you do not yet have PFP access, please contact your Financial Planning Manager and they will be able to send you the registration . Existing PFP customers can login here:

2 Contents of this User Guide Introduction to the Personal Finance Portal 1 Registering for PFP 3 The PFP Home Screen 4 Summary tab: Financial Overview 5 Summary tab: Financial X-ray 6 Investments tab 8 Investor Portfolio Service 10 My Investment Summary 11 View Transaction History 12 View Correspondence 12 Manage My Payments 13 Amending Your Investment in IPS 13 Nationwide Help and Support 16 Your Account Settings 16 Messages 17 Logging Out 18 Feedback and Contact Us 18 Frequently Asked Questions 19 2

3 Registering for PFP To register for PFP you will need: to be signed up to our Ongoing Service Internet access an address a mobile phone to receive the PIN code by text message (or a landline that can receive SMS messages) Registration is completed in 5 simple steps. 1. Financial planning manager sends PFP registration Your Financial Planning Manager should start the PFP registration process for you at the time you sign up to our Ongoing Service. If this didn t happen, please contact your Financial Planning Manager and ask them to send you the PFP registration Click link in registration This will contain a unique activation link, which is only valid for 4 days. Please ensure you click the link within that time period. If the link has expired, simply click the Register link on the PFP login screen to request a new one. 3. Complete registration screen and request PIN Clicking the link will take you to the PFP activation screen and will trigger a PIN code to be sent as a text message to the mobile phone number you gave to your Financial Planning Manager. This PIN code is only valid for 24 hours; so please ensure you complete the next step within that time period. If this time period has elapsed, you will need to request a new registration link (see step 2 above). 4. Enter PIN, set security questions and accept terms Once you ve received the PIN, enter it into the Activation Details box on the screen. Your address will be the default Username that you will have to enter whenever you access PFP, but you can choose a different Username if you wish. You will also need to choose a Password (to be entered whenever you access PFP) and Security Questions (to help you retrieve your Password if you forget it). Finally, review the PFP Terms of Use and confirm your acceptance. 5. Final confirmation registration complete Once the above steps are all complete, you will receive a final confirming your PFP registration is complete. You are now able to enjoy the benefits of PFP. 3

4 The PFP Home Screen When you log in to PFP, you ll see the Home screen Navigation tabs These tabs allow you to navigate between the main sections of PFP. These are outlined later in this guide. 2 Administration links Links for specific functions of PFP, which are outlined later in this guide. Customer name Customer name C C Welcome to PFP highlights This section of the page gives very quick info on what s available for you in PFP. 4 Messages from your Financial Planning Manager If you have received a secure message, you ll be able to quickly jump to the latest message from here. 3 5 Total current valuations A quick way to view the latest value of your Nationwide Financial Planning investment portfolio Manage your portfolio This section allows you to view, and transact on (buy, sell or switch), your holdings on the IPS platform. See page 9 of this guide for more information. 4

5 Summary tab: Financial Overview This is where you can view an overview of your holdings and the valuations of each of your plans. 1 Total current valuations This pie chart displays your total portfolio value. 2 Portfolio plans This pie chart shows how much you have invested in each of the different asset classes. 3 Plan details This table lists the basic details of each of your plans of that type, including the latest valuation and the overall gain/loss for each. 4 Protection tab If you also have Protection products, these can be viewed by clicking on the Protection tab Did you notice? Real-time plan valuations The first time you log in to PFP each day, you ll see this message. This confirms that the fund holdings and valuations of your plan have been refreshed. This ensures you ll always see the most up-to-date information about your Nationwide Financial Planning portfolio. 5

6 Summary tab: Financial X-Ray This screen X-rays all of your plans to give a more detailed analysis of your portfolio. 1 Portfolio plan values This pie chart displays how each of your plans contributes to your total portfolio valuation. 2 Portfolio top ten funds This pie chart shows how much you have invested in your top ten funds. Funds outside of the top 10 are grouped under other. 3 Top ten funds by size This table lists the ten largest fund holdings and displays the performance history for each. 4 Top ten holdings These are your ten largest holdings across all of your funds Stock overlaps This lists the largest stock holdings across all of your investment plans. 6 All funds 6

7 All funds list On the All Funds tab, the following icons are displayed alongside each fund: 2 Fund performance history Click this icon to view the performance history of that fund over different time periods Fund fact sheet Click this icon to view the fund fact sheet information for that fund. 3 Fund analysis Click this icon to view an analysis of the fund. You can view this by underlying asset class, the investment sectors of those asset types, or by geographical region. 7

8 Investments tab This tab is where you can view details of your Investment plans. 1 Investments by type This pie chart shows the value of your investment holdings divided between the different plan types, e.g. Unit Trusts/OEICs, ISAs and Bonds. Tip: hover your mouse over a segment to see the value held in that plan type. 2 Investment holdings by asset type This pie chart shows how much you have invested in each of the different asset types, e.g. UK equity, cash, corporate bonds, etc. Tip: hover your mouse over a segment to see the value held in that asset type. 3 Investments: full details This table lists all of your Investment plans and shows the latest valuation details and overall Gain/Loss amount. 4 Further info Click the Open link alongside a plan to view more detailed information

9 Investment plan details This screen gives you the specific details of the plan you ve opened. 1 Plan value This displays the Current Value of your plan, the date it was valued, and the percentage change since the previous valuation. 2 Valuation history This graph shows how the value of the plan has changed over time, including any top-ups or withdrawals you have made, and any units sold to cover charges. Tip: Hover over one of the data-points on the graph to view the value on that date. 3 Sector and region This pie chart shows the industry sectors of the investment funds held in this plan. Select Region from the drop-down menu to view the geographical distribution of the fund holdings. 4 Asset allocation This pie chart shows the underlying asset types of the fund holdings in this plan. 5 All funds tab This tab displays a list of all of the funds in this plan. See page 6 of this guide for more information. s

10 Investor Portfolio Service This table is at the bottom of the PFP home screen and lists all of your Investments held on the Investor Portfolio Service (IPS) platform Manage (Opens new window) Click Manage to be taken to that IPS account in a new window. Joint holdings can be accessed by clicking the link alongside another plan in the same account. Note: if you have recently purchased a new Investment, it may take up to a week for the View in IPS link to appear and become active. Basic navigation in IPS Viewing your investments directly in IPS gives you access to the following: 1 My investment summary This displays a summary of the value in that IPS account and then lists each plan in turn, showing the individual funds in which you re invested. 2 Buy, top up, switch or sell From this tab you can undertake simple transactions on your Investments, including adding more money or amending the underlying funds. 3 View transaction history Go here to see the complete breakdown of all money into and out of your investments and Cash Account. 4 View correspondence This is your online archive of all correspondence received from your provider relating to this account. 5 Manage my payments Here you can view any pending payments on your account, manage any existing monthly contributions and find out how to add money to your Cash Account. 10

11 My Investment Summary Clicking View in IPS Website from the PFP home screen will open IPS in a new browser window where you ll be taken to the Investment Summary screen. This page gives an overview of your IPS investments. 1 Total investment summary A summary of the value of this IPS account. This shows total contributions (i.e. money in), withdrawals (money taken out by you, or to cover charges), and a current Total Valuation. 2 List of individual investment plans Each of your investment plans is listed in turn with their underlying funds. Your individual plans will be shown first, then any joint holdings you have. Within each plan, the individual funds are listed along with their current unit price, number of units held and corresponding value. A plan-level summary of contributions, withdrawals and current value is shown underneath each investment. 3 Quick view transaction history Click on the magnifying glass to jump to a 3 month transaction history for that plan. The transaction history for your IPS Cash Account will show what deductions have been made to cover regular charges

12 View Transaction History In this screen in IPS you can view the detail of the fund-level transactions within each of your investment plans. Payments to cover charges will show as transactions in the IPS Cash Account. View Correspondence This is your personal online correspondence history. It includes a PDF copy of every letter you have been sent from the provider regarding your investments in IPS. Click Show Search to define your own search for a specific date range or plan. Search all will show you a complete transaction history on everything. 12

13 Manage My Payments On this page in IPS you can view any pending deals on your account and view or amend any existing regular contributions. You can use the application form here to set up a new monthly contribution. Amending Your Investment in IPS IMPORTANT! Before you start adjusting your Investments Note that any adjustments you make via IPS are on a non-advised basis and you should only proceed if you re sure of what you are trying to do. Changes you make may impact the risk profile and objectives you agreed with your Financial Planning Manager and you should always contact them if you require advice. The following pages give you an outline of how you can amend your Investments. This guide provides you with an overview only, and you must ensure you read all screens and information carefully. Need help? Contact the IPS Support Team if you have difficulty completing any online transactions. Their number is shown at the top right of every screen. You are able to do the following transactions in IPS: To amend an existing regular contribution, select it from the Mandates list and click Edit. The screen will guide you through how to make changes. Here you can increase or decrease the amount of your regular contribution, add or remove funds, or adjust the proportion you re paying into each fund every month. Top-up an existing ISA or UT/OEIC Purchase a new ISA or UT/OEIC where you don t currently have one. Switch funds within an existing ISA or UT/OEIC Sell money from an investment to your IPS Cash Account Amend an existing regular contribution Unfortunately, the following transactions can t be completed online. Please refer to the existing investor site to download, print and post forms, or call IPS on the number shown in the top right of each IPS screen. Top-up or switch funds within a jointly held investment Transfer money directly from a UT/OEIC to an ISA Start a new regular contribution 13

14 Adding to your investment In IPS you can add money into your existing funds, or purchase new funds that you don t already hold. 1 Click Buy or Top up from the left menu to start adding to your investment. 2 The screens will guide you through selecting your product (ISA or UT/OEIC), and then the specific funds you wish to purchase. For each fund you select, specify the amount you would like to invest. You should view the Key Investor Information Document (KIID) for each fund to make sure you re happy with your selection. 3 Make sure you read the documents in the Important information box at the bottom of the fund selection page. In particular, the Personalised Fees and Charges Schedule will give you a tailored summary of the charges that will apply to your investment if you proceed. 4 Once you ve agreed to the declarations and confirmed your selection, you have a choice of how to pay for your top-up. You can pay by debit card, or use money from your IPS Cash Account. 5 Use the Pending payment option if you would like to add to your Cash Account by cheque and then use that money for your top-up

15 Switching funds in your investment 1 In IPS, to adjust the mix of funds in your existing investments you can perform a fund switch. Select Switch from the left menu to begin. The screens will guide you through selecting the product in which you wish to perform the fund switch. 2 Switch out. Firstly, you ll need to select the units you wish to sell. Select the fund(s) and then specify how much to sell. You can either sell a set number of units, or an entire fund. 3 Switch in. The second part of the switch is to select which funds to buy with the proceeds of the sale. Again, select the funds of your choice and specify what proportion of each you wish to purchase. You should view the Key Investor Information Document (KIID) for each fund to make sure you re happy with your selection. 4 Make sure you read the documents in the Important information box at the bottom of the fund selection page. In particular, the Personalised Fees and Charges Schedule will give you a tailored summary of the charges that will apply to your investment if you proceed. Once you ve accepted the declarations you ll have the opportunity to review before confirming your switch request. The transaction should be completed within 3 to 5 working days and you ll receive a letter confirming your request

16 Nationwide Help and Support The Help and Support page is accessible above the logo on the top left of every page in PFP. This page will open in a new window and includes a summary of the PFP features and some frequently asked questions. Your Account settings Click on the link showing your name at the top right of the screen to go to your account settings page. On this screen you can adjust your notification preferences or change your password. We recommend that you leave notification s turned on so that you re alerted if your Financial Planning Manager sends you a message or you receive a new document. Customer Name 16

17 Messages This is where you can access any secure messages you have received from your Financial Planning Manager. The electronic copy of your Annual Customer Report will also be sent as an attachment to this Inbox. Customer Name Opening messages To open a received message, simply click on that item in the Inbox. This will allow you to read the message and view any attachments. Any attachments will be listed at the top of the message. You can click Open to view the attachment. 17

18 Logging Out Logging Out of IPS Once you have finished in IPS, click Return to PFP. This will ensure you are logged out of IPS and you can then safely close that browser window. Logging Out of PFP To log out of PFP and end your session, hover over your name at the top right of the screen and click Logout. If you are accessing PFP from a touch screen device, you will first need to click the link showing your name in order to access the drop-down menu. Customer Name Feedback and Contact Us At the bottom of every page in PFP, there are Feedback and Contact Us links. Feedback We hope you enjoy using the PFP and would welcome your suggestions on how to further improve the site. You can submit your suggestions using the Feedback form. Please note that any comments are sent directly to the PFP software provider and will not be seen by your Financial Planning Manager or Nationwide. Therefore, any comments or questions you have that relate to products or Ongoing Service should be sent to your Financial Planning Manager directly. The Frequently Asked Questions in this guide should help with the most common enquiries we receive. Contact Us The Contact Us page gives you information on who to contact in case of different types of query. If you are having technical difficulties in accessing or using the PFP, then please call the number shown on that page. All other enquiries should be sent to your Financial Planning Manager. The Frequently Asked Questions in this guide should help with the most common enquiries we receive. 18

19 Frequently Asked Questions PFP I am having trouble registering for PFP Please follow the steps on page 3 of this guide. Click the Register link on the login screen if you need a new registration . Remember that the PFP registration link is only valid for 4 days and the PIN code must be entered within 24 hours. I have forgotten my PFP username or password Use the links underneath the log-in boxes on the PFP login page to retrieve your log-in details. If you have also forgotten your security questions then you will need to contact your Financial Planning Manager and re-register for PFP. What are the different asset types? The graphs in PFP will display your holdings split between seven different asset types. These are cash, corporate bonds, government gilts, property, UK equities, overseas equities and specialist equities. How are plan valuations calculated? Plan value is calculated by taking the number of units you hold in each fund, multiplied by the latest unit price. Note that this isn t a guarantee of the value you would receive if you encashed your investments. The valuations of my plans seem out-of-date A real-time valuation should occur the first time you log in to PFP each day. This valuation will use the fund prices as at the end of the previous working day so the valuations should never be older than that. Please contact your Financial Planning Manager if you believe the valuations are not updating correctly. How is the Gain/Loss figure calculated? This is calculated by taking the current valuation, adding any withdrawals and removing any investment amounts. It represents the amount your investment has grown, effectively ignoring money that has been moved into or out of the plan. How do I view my partner s plans in PFP? If you have any joint policies then these should be visible in your PFP, but due to data protection concerns, we are currently unable to display your partner s sole holdings within your PFP. Your partner will need to have a separate PFP account in order to view their sole holdings. Why can t I see my non-nationwide plans, bank accounts or other assets? Although your Financial Planning Manager may have discussed your non-nationwide holdings and assets with you, we are not able to obtain up-to-date valuations for these and so they are not visible in PFP. The Ongoing Service charge only applies to your Nationwide investment portfolio holdings and these are the plans that you can view in PFP. One of my Nationwide plans is missing If you have recently seen your Financial Planning Manager to make an additional investment, please allow up to 30 days for the plan to become in force and appear in PFP. If you believe one of your plans should be visible in PFP and isn t, please contact your Financial Planning Manager. Why do some of my funds have limited performance history? New regulations often require fund providers to create new versions of funds. Therefore some funds do not yet have as much historical information. Ongoing Service What is Ongoing Service? Nationwide s Ongoing Service provides you with multiple benefits: Access to your Nationwide Financial Planning Manager 24/7 access to the Personal Finance Portal where you can track and modify your investments A personalised Annual Customer Report on your investment performance The reassurance that the Nationwide Investment Committee regularly reviews our fund panel. We will write to you if we think a fund is no longer suitable for our customers so that you can choose if you would like to take any action View the Ongoing Service web pages for more details about this service and additional FAQs. How much does it cost? The cost of Ongoing Service is detailed in our Tariff of Charges, which you can view here. Can I opt out of Ongoing Service? You can opt out of the Service at any time by completing the Opt Out form (available from the online FAQs), by visiting your local branch, or by simply informing your Financial Planning Manager. This will stop future Ongoing Service charges and remove access to the benefits listed above. Note that a portfolio review advice charge may be applied if you need advice on your Nationwide investment portfolio in future. 19

20 G959 January 2017