Multiple accounts application form

Transcription

1 Multiple accounts application form This application should only be used to open two or more accounts at the same time. You can use it to open SIPP, ISA and GIA accounts. Please select the accounts you are applying for and read the relevant items of literature before completing this application form. Please note that you cannot apply for a Junior SIPP or Junior ISA (JISA) using this form. SIPP ISA Key features, terms and conditions, trust deed and rules and the investment fact sheet appropriate to your chosen investment option(s). Key features, terms and conditions and the Funds & Shares Service investment fact sheet. GIA (individual accounts only) FAQs, terms and conditions and the Funds & Shares Service investment fact sheet. If you would like a copy of any item of our literature in large print, Braille or audio format, please contact us on or by at enquiry@investcentre.co.uk. Please complete this form using BLOCK CAPITALS only and blue or black ink, ticking boxes where appropriate. SIPP checklist Cash transfer In specie transfer Transfer in drawdown Immediate retirement Property purchase/transfer Single contribution Regular contribution Transfer form enclosed with application form. Transfer form and list of assets to be re-registered enclosed with application form. Transfer in drawdown form enclosed with application form Benefit form (with appropriate age evidence) enclosed with application form. Property questionnaire enclosed with application form. Cheque drawn from a UK bank or building society account, made payable to AJ Bell Investcentre SIPP re (applicant name) e.g. AJ Bell Investcentre SIPP re John Smith. Direct Debit instruction (payments must be made from a UK bank or building society account). ISA checklist You must fund your ISA on application (or if using electronic subscriptions, then immediately after the ISA has been set up). Please ensure that, whichever method you choose, the relevant documentation is enclosed along with this application. Method of funding and documents to include with your application These can be made using a cheque drawn from a UK bank or building society, and made payable to AJ Bell Investcentre ISA re (applicant name) e.g. AJ Bell Investcentre Single subscription ISA re John Smith. Alternatively, you can make a subscription electronically via the website once the ISA application has been processed. Include an ISA Direct Debit instruction. (Payments must be made from a UK bank or Regular subscription building society account.) Transfer using an ISA (either stocks and shares or cash) held elsewhere Include a completed AJ Bell Investcentre ISA transfer-in form. Level 4 Code only

2 1 Personal details Applicant s personal details Title Dr/Mr/Mrs/Miss/Ms/Other Surname Forename(s) Date of birth Sex Male/Female National Insurance Number Permanent residential address Country Postcode Daytime telephone number (If phone number is non-uk, provide full dialling code) address Country of birth Country of citizenship Country of residence for tax purposes Country of citizenship Country of residence for tax purposes te: Please list all countries of citizenship and tax residency. Also, please contact us with full details if you are a citizen or tax resident of more than two countries. I can confirm that I am a UK national and do not have dual or multiple nationalities I can confirm that I am a non-uk national or I have dual/multiple nationality including UK Nationality Please provide details of all nationalities below, including the National Client Identifier (NCI) and NCI type for each country. For details of the relevant NCI please refer to the National Client Identifier hierarchy in our literature section. Nationality 1 NCI NCI type Nationality 2 (if applicable) NCI NCI type Nationality 3 (if applicable) NCI NCI type Do you have an existing AJ Bell Investcentre account? If, please provide the existing account number If you have lived at your current address for less than three years, please confirm your previous residential address. Previous permanent residential address Country Postcode Bank details Please provide details of the bank or building society account that you would like your accounts to link to. We can only make a payment to one account, which must be held in the name of the applicant. Account holder s name Bank/building society account number Sort code Roll number (if applicable) 2

3 2 SIPP please complete this section to apply for a SIPP Applicant s status Employed Pensioner Self-employed Other, please indicate which of the following categories is applicable (if more than one, choose only the most applicable) Caring for one or more child(ren) under the age of 16 In full-time education Caring for a person aged 16 or over Unemployed Other Please specify Occupation Spouse s/partner s name Marital status Spouse s/partner s date of birth Transfers (if applicable) Please provide details of all benefits to be transferred to the SIPP. Scheme provider Policy number Estimated value Is the transfer cash only? Is the transferring scheme a final salary pension scheme? Scheme provider Policy number Estimated value Is the transfer cash only? Is the transferring scheme a final salary pension scheme? Scheme provider Policy number Estimated value Is the transfer cash only? Is the transferring scheme a final salary pension scheme? 3

4 Contributions Once your application has been processed you can make payments electronically. If you would like to do so, please ask your adviser to visit the AJ Bell Investcentre website and submit your request online. The relevant bank details and a unique payment reference will be provided as part of this process, removing the requirement for any paperwork to be submitted. Alternatively, please provide details of the contributions to be paid to your SIPP. Member contribution (net) Single Regular per month Please indicate from which source member contributions are to be funded Income from employment Investment/savings Inheritance Property sale Divorce settlement Other Please specify All member contributions are payable net of basic rate tax (20 for the 2018/19 tax year). We will reclaim basic rate tax from HM Revenue & Customs (HMRC) and credit it to the SIPP cash account. Approximate annual earnings p.a. Employer contribution (gross) Single Regular per month If your employer is to pay contributions on the SIPP, please advise the following: Employer s name Registered office address Postcode Company number Is the employer listed on a recognised stock exchange? All employer contributions are paid gross. Investment options Please confirm your chosen investment option(s). Please visit our website for a full list of our panel investment partners. You can specify up to three investment partners on this application form. If you wish to specify more than this, please use our additional investment partner form, which is available from the literature section of our website. Funds & Shares Service Investment partner Please list the name(s) of the panel investment partner(s) to be used. Investment partner Investment partner Investment partner Are investments going to be held outside of our panel investment partners?* Is the SIPP going to be used to purchase a commercial property? (Please complete a property questionnaire for each property - joint purchases require only one questionnaire.) * If selected, your adviser will need to complete our off-panel investment instruction form, available from our website ( and send this to us together with the appropriate documentation for the chosen investment. This should not be forwarded to us until we have cleared funds in the SIPP cash account. 4

5 Death benefit expression of wishes You should complete this section to tell us who you wish to receive death benefits from your SIPP in the event of your death. The nomination below ensures that the widest possible range of people are eligible to receive death benefits. Please read our death benefit expression of wishes guide for help with completing this section. Please note that if you are unsure about the implications of making the nomination and related expression of wishes, or if you would like any advice about the effect of doing so, you should consult a financial adviser or other appropriately qualified professional. mination In the event of my death, I nominate all individuals who are Eligible Benefits Recipients (as defined in the scheme trust deed and rules) as the persons to whom you should consider allocating any death benefits from my SIPP. Expression of wishes In the event of my death, my wishes are that you consider allocating any death benefits from my SIPP to my Eligible Benefits Recipients as follows: Full name Individual or Trust Relationship Full name Individual or Trust Relationship Full name Individual or Trust Relationship Full name Individual or Trust Relationship Total 100 te: If you wish to nominate a trust to receive the death benefits payable from your SIPP, please ensure you provide full details of the trust in the Full name section e.g. The Trustees of the <Name of Trust> Trust I established on <date>. 3 ISA please complete this section to apply for a ISA Funding the ISA Once your application has been processed you can make payments electronically. If you would like to do so, please ask your adviser to visit the AJ Bell Investcentre website and submit your request online. The relevant bank details and a unique payment reference will be provided as part of this process, removing the requirement for any paperwork to be submitted. Alternatively, please confirm which of the following options you wish to use to fund the ISA. Single subscription (using a cheque) I have enclosed my cheque with this application form made payable to AJ Bell Investcentre ISA re (applicant s name) e.g. AJ Bell Investcentre ISA re John Smith. My single subscription is for the tax year ending 05/04/2019. Regular subscription I have enclosed an AJ Bell Investcentre ISA Direct Debit instruction with this application form. My regular subscription is to be made monthly. Transfer using an ISA (either stocks and shares or cash) held elsewhere I have enclosed a completed AJ Bell Investcentre ISA transfer form with this application form. 5

6 Cash withdrawal (if applicable) Please pay the following amount from the cash account of my ISA into my nominated bank/building society account. (fixed amount) or Consolidated natural income (all income generated from your investments that has been paid into your cash account will be paid to your nominated bank account). Please note that equalisation amounts are not classed as consolidated natural income and will therefore not be paid to you if consolidated natural income is selected. All equalisation amounts will require a one-off withdrawal request to be made. Frequency: monthly quarterly half yearly annually Start date M M / Y Y Y Y End date (this section is optional) M M / Y Y Y Y If you would like to receive your payments for a specific period of time, please enter an end date above. Payment will be made to your nominated bank/building society by BACS on the first working day of the month. Your money should be available in your nominated account within four working days. Please note, we will need to be in receipt of a completed form at least five working days before the first payment is due. 4 General Investment Account (GIA) please complete this section to apply for a GIA If you want this GIA to be designated for a specific purpose (e.g. holiday fund or college fees) then please fill in the box below. GIA designation* (*Please note that we may have to abbreviate this for display purposes.) Funding your GIA Once your application has been processed you can make payments electronically. If you would like to do so, please ask your adviser to visit the AJ Bell Investcentre website and submit your request online. The relevant bank details and a unique payment reference will be provided as part of this process, removing the requirement for any paperwork to be submitted. Alternatively, please confirm which of the following options you wish to use to fund the account, inserting the amount of the payment to be made. Single payment (using a cheque) of A cheque is enclosed with this application form. Cheques should be made payable to AJ Bell Investcentre GIA re applicant s name (e.g. AJ Bell Investcentre GIA re John Smith) For designated accounts the cheques should be made payable to AJ Bell Investcentre GIA re applicant s name designation (e.g. AJ Bell Investcentre GIA re John Smith college fund) Regular payment of A completed GIA Direct Debit mandate is enclosed with this application form. to be made monthly. In specie transfer from an existing General Investment Account. The approximate value of this account is A completed GIA transfer form is enclosed with this application form. 6

7 Cash withdrawal (if applicable) Please pay the following amount from the cash account of my GIA into my nominated bank/building society account. (fixed amount) or Consolidated natural income (all income generated from your investments that has been paid into your cash account will be paid to your nominated bank account). Please note that equalisation amounts are not classed as consolidated natural income and will therefore not be paid to you if consolidated natural income is selected. All equalisation amounts will require a one-off withdrawal request to be made. Frequency: monthly quarterly half yearly annually Start date M M / Y Y Y Y End date (this section is optional) M M / Y Y Y Y If you would like to receive your payments for a specific period of time, please enter an end date above. Payment will be made to your nominated bank/building society by BACS on the first working day of the month. Your money should be available in your nominated account within four working days. Please note, we will need to be in receipt of a completed form at least five working days before the first payment is due. 5 Adviser details Adviser name Adviser firm address SCA number Telephone number FCA firm reference number Adviser charging Please specify below the adviser charges that you have agreed with your adviser will be paid from your account(s). Initial adviser charge SIPP ISA GIA Fixed Fixed Fixed or Payment-related (applies to all initial/ additional contributions and transfers-in) or Payment-related (applies to all initial/ additional contributions and transfers-in) or Payment-related (applies to all initial/ additional contributions and transfers-in) Single contribution Single subscription Single payment Regular contribution Regular subscription Regular payment Transfer Transfer Transfer Ongoing/renewal adviser charges Fixed p.a. Fixed p.a. Fixed p.a. or or or Fund-related p.a. Fund-related p.a. Fund-related p.a. tes: VAT will be applied to initial and ongoing adviser charges on the basis notified to us by your adviser. Your adviser will inform you whether VAT will apply to these charges. It is your adviser s responsibility to instruct us to stop paying initial charges on regular payments, when the agreed arrangement comes to an end. 7

8 6 Declarations Please read the following carefully before you sign. I/we declare that: 1. I/we have not relied on any financial, investment or other advice given by AJ Bell Management Limited when making the decision to apply for an AJ Bell Investcentre SIPP, GIA or ISA. 2. The information provided in this application form and any other documents completed in connection with this application, is to the best of my/our knowledge and belief, correct, complete and not misleading and I/we undertake to notify AJ Bell Investcentre of any changes without delay. 3. I/we agree to pay the charges set out on the AJ Bell Investcentre website and any adviser charges (as amended from time to time). 4. It is the responsibility of my adviser to disclose to me any adviser charges paid to them in respect of my SIPP, ISA or GIA. I understand that AJ Bell Investcentre does not take any responsibility for the terms of the adviser charges paid in relation to investments held within my SIPP, ISA or GIA. 5. I/we agree to be bound by the AJ Bell Investcentre terms and conditions. Declaration for SIPP applications: I hereby apply for an AJ Bell Investcentre SIPP and to become a member of the Sippdeal e-sipp (the scheme ). 1. I confirm that I have been recommended and given the opportunity to read, ensure that I understand and retain the AJ Bell Investcentre key features, charges and rates and terms and conditions. I agree to be bound by the AJ Bell Investcentre terms and conditions (as may be amended from time to time). I also agree to be bound by the trust deed and rules of the scheme (as amended from time to time), which I have had the opportunity to consider. 2. I will not require, nor attempt to require, the withdrawal of funds held to provide benefits for me under the scheme, or the income on those funds, other than in accordance with the rules of the scheme. In the event that an unauthorised payment is made, I agree to AJ Bell Management Limited deducting the amount of any scheme sanction, or other charge, levied by HMRC on the scheme administrator from the funds held for me under the scheme in order to pay that charge to HMRC. If there are insufficient funds held for me under the scheme, I agree to pay AJ Bell Management Limited the amount by which the charge exceeds the value of my funds under the scheme. 3. If contributions are to be paid, I declare that: a) I am under age 75 and am a relevant UK individual under Section 189 of Finance Act 2004 b) the total of the member contributions paid to this scheme and to other registered pension schemes, on which I am entitled to tax relief, under Section 188 of Finance Act 2004, will not exceed, in any tax year, the higher of i) the basic amount ( 3,600 gross for the 2018/19 tax year) or ii) 100 of my relevant UK earnings as defined in Section 189 of Finance Act 2004 in that tax year c) the declaration in b) is correct, to the best of my knowledge and belief d) I will give notice to the scheme administrator if an event occurs, as a result of which I will no longer be entitled to relief on member contributions, under Section 188 of Finance Act I will give this notice by the later of i) 5 April in the year of assessment in which the event occurs and ii) the date which is 30 days after the occurrence of that event 4. If off-panel investments are to be made, I agree that: a) you may accept instructions from my adviser in relation to investments held under the off-panel investment options and b) my adviser is responsible for disclosing to me any adviser charges payable from these investments. Please see the AJ Bell Investcentre key features for further details about off-panel investments. Declaration for ISA applications: I hereby apply for an AJ Bell Investcentre stocks and shares ISA for the tax year 2018/19 and each subsequent year until further notice. I declare that: 1. All subscriptions made, and to be made, belong to me. 2. I am 18 years of age or over. 3. I have not subscribed, and will not subscribe more than the overall subscription limit in total to any combination of permitted ISAs in the same tax year. 4. I have not subscribed, and will not subscribe, to another stocks and shares ISA in the same tax year that I subscribe to this stocks and shares ISA. 8

9 5. I am resident in the United Kingdom for tax purposes or, if not so resident, either perform duties which, by virtue of Section 28 of Income Tax (Earnings and Pensions) Act 2003 (Crown employees serving overseas), are treated as being performed in the United Kingdom, or I am married to, or in a civil partnership with, a person who performs such duties. I will inform AJ Bell Securities Limited if I cease to be so resident or to perform such duties or be married to, or in a civil partnership with, a person that performs such duties. 6. I authorise AJ Bell Securities Limited, as ISA manager, or its nominee i) to hold my cash subscriptions, ISA investments, interest, dividends and any other rights or proceeds in respect of those investments and any other cash and ii) to make on my behalf any claims to relief from tax in respect of ISA investments on my behalf. 7. It is the responsibility of my adviser to disclose to me any adviser charges paid to them in respect of my ISA. I understand that AJ Bell Investcentre does not take any responsibility for the terms of the adviser charges paid in relation to investments held within my ISA. 8. I hereby request and consent to the payment of funds as set out in this form and accept that it is my adviser s responsibility to ensure that there is sufficient cash within my ISA to pay the amount(s) as they fall due. I understand that if there is insufficient cash in my account then no payment will be made. 9. I accept that it is my responsibility to check that the payment has been received in my nominated bank/building society account. 10. I am aware that if I withdraw cash from my ISA I will only be able to pay cash back in up to my unused subscription allowance for the tax year. I understand that the tax benefits on the withdrawn money will be lost. I acknowledge that: i) I have been recommended to read, ensure that I understand and retain a copy of the AJ Bell Investcentre ISA declaration, the key features, charges and rates and the terms and conditions applicable to the AJ Bell Investcentre ISA and understand that the details contained therein and this subscription form constitute the agreement between me and AJ Bell Securities Limited. ii) On my written request, AJ Bell Securities Limited will allow me to withdraw from my account on the terms laid down in the AJ Bell Investcentre ISA terms and conditions. Declaration for GIA applications: I hereby apply for an AJ Bell Investcentre General Investment Account (GIA) and declare that: 1. I am aged 18 years or over and resident in the UK. 2. I have been recommended and given the opportunity to read, ensure that I understand and retain a copy of the AJ Bell Investcentre GIA terms and conditions and charges and rates and that I understand that the details contained in those documents and this application form constitute the agreement between me and AJ Bell Investcentre. 3. All payments made, and to be made, to the GIA belong to the applicant. 4. I confirm that I am not resident for tax purposes or a citizen of any country other than those I entered in my application. 5. I understand that you will use the information provided in this form to determine whether the applicant is a reportable person or entity under The International Tax Compliance (USA) Regulations 2013 and The International Compliance (Crown Dependencies & Gibraltar) Regulations 2014 as amended from time to time. 6. I hereby request and consent to the payment of funds as set out in this form and accept that it is my adviser s responsibility to ensure that there is sufficient cash within my GIA to pay the amount(s) as they fall due. I understand that, if there is insufficient cash in my account, then no payment will be made. 7. I accept that it is my responsibility to check that the payment has been received in my nominated bank/building society account. I confirm that you are authorised to: a) Make whatever checks are necessary to verify my identity, as required to comply with the Money Laundering Regulations. b) Provide information to and accept instructions from my adviser named above in relation to all matters related to my GIA, including instructions for the purchase and sale of investments, as if they had been direct instructions from me. 9

10 Data privacy statement We ll use the information you provide to check your identity and the identity of anyone else who funds an investment made in your name with credit reference and fraud prevention agencies. These agencies will record our checks and will make that record available so others are able to verify your identity. So we can thoroughly check the available data, we verify your identity using scoring methods. If you supply false or inaccurate information and we suspect fraud, we ll inform the fraud prevention agencies. If we can t verify your identity by electronic means, we may ask you for additional information. Depending how the data has been processed, and subject to some exemptions, you have a number of legal rights about your personal information. These include: To access personal information To rectify/erase personal information To restrict the processing of your personal information To transfer your personal information To object to the processing of personal information To object to how we use your personal information for direct marketing purposes To obtain a copy of personal information safeguards used for transfers outside your jurisdiction To lodge a complaint with your local supervisory authority To exercise these rights (or request details of the credit reference and fraud prevention agencies from which we obtain information and record information about you), please contact us. For more information see our privacy policy on I understand it is a serious offence to make false statements; the penalties are severe and could lead to prosecution. As this is a combined application form to open multiple accounts, please ensure that you have completed the following: SIPP Sections 1, 2, 5, 6 ISA Sections 1, 3, 5, 6 GIA Sections 1, 4, 5, 6 You must ensure that you have read the appropriate declarations before you sign and date this application. Applicant s name Date Applicant s signature Please return the fully completed application form to AJ Bell Investcentre, 4 Exchange Quay, Salford Quays, Manchester M5 3EE. AJ Bell Management Limited (company number ), AJ Bell Securities Limited (company number ) and AJ Bell Asset Management Limited (company number ) are authorised and regulated by the Financial Conduct Authority. All companies are registered in England and Wales at 4 Exchange Quay, Salford Quays, Manchester M5 3EE. See website for full details. AJBIC/MAAF/