intelligent wealth management

Transcription

1 intelligent wealth management

2 How we can help Novia is a financial services technology company. We provide market leading technology that enables your Adviser to invest efficiently in a wide range of investments available through Novia. To ensure that you can keep an eye on your investments, our online tools make it possible for both you and your Adviser to view your portfolios on web enabled devices. Our management team bring decades of investment experience to the business. We are independent and work closely with Advisers as part of the ongoing development of our service. This ensures that we can meet your needs and those of your Adviser now, and in the future rather than being driven by the needs of a large corporation. We are proudly independent, our AKG Financial Strength rating is strong and we administer nearly 6billion of client assets. We work only with Advisers, providing them with the tools and investment technology to create even the most complicated investment portfolios quickly and easily online. Those same tools make it possible for your Adviser to efficiently alter your investment portfolio when your investment needs change. We offer a range of product wrappers, each with different tax advantages, which can be held within your Novia Account. These include Individual Savings Accounts (ISAs), a Self Invested Personal Pension (SIPP), an Offshore Bond and a General Investment Account (GIA). Your Adviser can choose to utilise one or all of these product wrappers within your account with Novia.

3 We administer nearly 6billion of client assets We only work with Advisers, providing them with efficient investment tools Our product wrappers include ISAs, a SIPP, a GIA and an Offshore Bond

4 How we do it We have worked closely with Advisers to design a system that affords them maximum flexibility in managing your investments whilst still ensuring security. Your Adviser can choose from more than 6,000 assets and quickly make changes whenever your needs, or the markets, change. How investing used to work Historically, Advisers and their staff had to spend a large amount of time on the mechanics of investing your money and creating the ongoing reports which would allow you to understand how your investments were performing. This all came at a cost to you, with hours being spent on collating information from the various fund management groups with whom you were invested or alternatively, you may have had a very narrow range of investments to help minimise the administration. Investing with Novia Our job is to help your Adviser do all of that work more effectively, allowing them to focus on making the right choices for your investments now and in the future. From your very first meeting with your Adviser through to the point where you might want to access your money for retirement and everything in between we make the process of investing, reviewing and managing your ongoing investments more efficient. Administrative efficiencies make it possible for your Adviser to focus more on your needs and wants not the paperwork!

5 Your lifestyle aspirations A world of investment opportunities Individual Savings Account Self Invested Personal Pension Your Novia Account General Investment Account Offshore Bond Novia s tools and services Your Adviser s experience and expertise

6 What we can do for you By investing through Novia, your Adviser has access to a wide range of asset types, allowing them to change your investment mix whenever your needs change. Tax efficient options also make it possible to maximise your investment potential. Range of investments With a wide range of investments available, you have access to options and investment approaches that were once the preserve of the very rich. Your Adviser can either create an investment portfolio for each of your product wrappers by choosing assets individually, or they might opt to utilise the investment skills of an expert Discretionary Fund Manager who builds and monitors portfolios. Novia provides access to nearly 70 Discretionary Fund Managers who offer expertise across a wide range of investment styles. Tax efficient investing With a number of product wrappers available, your Adviser will work with you to choose the best combination to achieve tax efficient investing. By taking advantage of tax savings over a period of years, it can really make a difference to your financial outcomes. Keeping you up to date with your investments When investing with Novia, simply provide your address to your Adviser to set up your Investor Zone access. Once you activate your access, you will be able to view your investments and key documentation. Your Adviser may also choose to have some documentation delivered via them so that they can provide further information. Your Investor Zone access will provide a snapshot of the value of your investments, how you are invested and how your investments have performed. More detailed information will be available from your Adviser during your periodic reviews so you should never be in the dark about how your investments are performing.

7 Range of investments Access to a wide range of investment options Tax efficient Product wrappers to suit you Stay up to date View your investments whenever you want

8 Risks Novia makes available a broad range of different investments. As with any money put into these investment vehicles there are risks. The value of these investments can fall as well as rise and you may get back less than your original investment. Past performance is not a guide to the returns you may receive in the future. Your tax implications and charges made by Novia, the managers of the underlying investment and those by your Adviser will all have an impact on the value of your investment. Charges are made clear from the outset but may change in the future as circumstances may dictate. Please refer to the Novia Key Features document and Terms and Conditions for more information to make sure you understand our product services and any for risks that may affect you, please speak to your Adviser. Novia Financial plc Cambridge House Henry Street Bath BA1 1JS T: * E: info@novia-financial.co.uk *Lines are open Monday Friday from 9am to 5pm except for Bank Holidays Novia Financial plc is a limited company registered in England & Wales. Register Number: Registered office: Cambridge House, Henry St, Bath, Somerset BA1 1JS. Novia Financial plc is authorised and regulated by the Financial Conduct Authority. Register Number: CB-0418