OVERSEAS INVESTMENTS A GUIDE TO INTERNATIONAL PAYMENTS
|
|
- Bennett Jeremy Sparks
- 5 years ago
- Views:
Transcription
1 OVERSEAS INVESTMENTS A GUIDE TO INTERNATIONAL PAYMENTS
2 CONTENTS 1 Paying for overseas investments 2 The smart way to invest overseas 3 Timing is everything 4 A new standard in international payments 5 Premier features for the discerning customer 6 The last word in high value currency transfers 7 Advanced currency solutions for flexibility and options
3 PAYING FOR OVERSEAS INVESTMENTS CURRENCY AND STOCK MARKETS RISE AND FALL, JUST NOT TOGETHER REPATRIATING SHARE INCOME In a market where every winner begets a loser, knowing when to buy and when to sell is everything. Unfortunately, the best planning in the world can be neutered by an unsympathetic currency exchange. What happens if your exit from a USlisted stock coincides with the dollar s worst performance in a year? Or if your meticulously-planned investment in an Asian fund is threatened by the Bank of England s downbeat predictions for the pound? With one in four of the UK s largest companies under foreign ownership, it s not just our colleagues we leave behind when we move jobs. It s important we are able to absorb earnings from share schemes into a larger investment portfolio. In the rush to repatriate the money, it s easy to forget the importance of the currency exchange process. After broker fees and bank charges, by the time the money s safe in your account it might not be quite the windfall it once seemed. 1
4 THE SMART WAY TO INVEST OVERSEAS Regardless of whether you re investing in a foreign enterprise or repatriating your offshore earnings, you should have a currency conversion strategy in place. Political and economic uncertainty makes foreign exchange transactions an unpredictable and potentially costly exercise. The good news is that peace of mind is just a few simple steps away. CONSULT A CURRENCY EXPERT CURRENCY SOLUTIONS FOR GREATER FLEXIBILITY WATCH OUT FOR HIDDEN FEES Exchanging funds and transferring them abroad always feels like a risk. But you can make the foreign exchange market work for you by buying currency when the rate is right, not when you need to make the payment. Having an expert on hand to answer questions and give expert assistance on the workings of international currency markets can only help. If you know your entry / exit point is three months from now but you re worried about the trajectory of the home or local currency, then a forward contract might be the right solution. It allows the flexibility to secure the best rate with a deposit with a view to paying the balance when the currency is needed. Many people, for convenience, rely on banks to handle their international payments. Often, though, there are better rates available elsewhere along with specialist advice that can mitigate the risks of volatile currency markets. 2
5 TIMING IS EVERYTHING INVESTING IN SHARES OVERSEAS REPATRIATING INCOME STEP ONE PLAN YOUR INVESTMENT. PLAN YOUR INCOME REPATRIATION. STEP TWO SPEAK TO CAXTON, OPEN PREMIER ACCOUNT. STEP THREE SPEAK TO CAXTON, OPEN PREMIER ACCOUNT. AGREE A TARGET EXCHANGE RATE. VALUE ZONE AGREE A TARGET EXCHANGE RATE. CHOOSING THE RIGHT TIME TO EXCHANGE CURRENCY CAN SAVE YOU THOUSANDS. LET OUR DEDICATED ACCOUNT TEAM HELP YOU SAFELY NAVIGATE THE MARKET. CHOOSING THE RIGHT TIME TO EXCHANGE CURRENCY CAN SAVE YOU THOUSANDS. LET OUR DEDICATED ACCOUNT TEAM HELP YOU SAFELY NAVIGATE THE MARKET. CAXTON BUYS CURRENCY ON YOUR BEHALF. SEND CURRENCY TO OVERSEAS BROKER. STEP FOUR STEP FIVE LIQUIDATE SHARES, PLACE FOREIGN CURRENCY IN YOUR CAXTON ACCOUNT. CAXTON REPATRIATES THE INCOME AT THE SCHEDULED RATE. 3
6 CAXTON PREMIER A NEW STANDARD IN INTERNATIONAL PAYMENTS Caxton Premier International Services is for the select few that need to transfer substantial amounts of currency overseas. It s for individuals who expect a high level of service with their own dedicated account manager to provide currency expertise. Individuals who expect a special rate of exchange for their high value payments along with enhanced benefits. Individuals like you. Your lifestyle crosses borders and can be complicated. You need a trusted advisor who will help you safely navigate international currency markets to maximise value and minimise risk. RELIABLE REWARDING FLEXIBLE With decades of FX experience and millions of pounds worth of safe and secure trades in 2017 alone, our discrete, expert team will find the best rate and execute your trades with a minimum of fuss. Bank-beating* preferential FX rates and discounts with no fees or hidden charges, plus an enhanced currency card for higher spending abroad, coupled with rewards for referrals. Comprehensive range of currency solutions - from spot contracts to flexi-forwards, to rate alerts and limit orders - helping you manage your risk and get the most for your high value payments. *Based on charges for transactions of 15,000 and 75,000 made using standard bank accounts from UK high street banks. Check caxtonfx.com/premier for the latest bank rate comparisons. 4
7 PREMIUM FEATURES FOR THE DISCERNING CUSTOMER ADVANCED CURRENCY SOLUTIONS Protect your wealth by making the foreign exchange market work for you. Buy currency when the rate is right, and we ll look after your money until you need to make the payment. CURRENCY ALERTS AND LIMIT ORDERS If you know your target rate, just tell us and we ll contact you the moment the market hits it. If you ve placed a limit order with us, we ll execute the transaction right then and there. DEDICATED FX EXPERTISE With decades of FX experience, your FCA authorised account team is just a phone call away 1. Rely on us to help your FX planning and use the best tools to find the best rate and reduce your risk. MAKE PAYMENTS ANYTIME, ANYWHERE Take control of your international payments with an online payment account 2 and currency card app. ENHANCED CURRENCY CARD Your Caxton Card offers an enhanced FX rate while loading via the app or desktop. You can save even more by loading the card via your account manager when making an international payment. 1. Specialist advice around financial contracts can only be given by FCA authorised personnel and carries customer risk. Appointments must be made with Caxton FX expert and pass eligibility criteria to gain access to this service. 2. Online International payment account allows for 24/7 payments up to 100,000. 5
8 THE LAST WORD IN HIGH VALUE CURRENCY TRANSFERS BANK BEATING RATES No hidden fees. No additional charges. Just a great rate. But that s not all. Exclusive to Premier is the ability to move currency from your international payment account onto your Caxton Card. Take advantage of that same great rate when making day-to-day purchases abroad 1. MAKE THE MARKET WORK FOR YOU Spot, forward and flexi-forward contracts are essential tools of the trade for anyone sending large value payments abroad. Along with limit orders they allow the flexibility and control you need to mitigate market volatility. Premier customers also receive a reduced deposit on forward contracts 2. DEEP DISCOUNTS FOR ADDITIONAL SAVINGS Premier customers enjoy a 10% discount on online international payments 3 and 20% discount on debit card transfers to their currency card 4. Premier also includes a 50% discount on Caxton s travel assistance and insurance offering 5, Caxton Plus. REWARDS FOR REFERRALS We value Premier customers and we re proud that as much as a third of our clients come from personal referrals. Should you also wish to refer the Premier service, we ll reward you with 50 for every eligible friend who makes an international payment Maximum of 50% of a trade may be moved on to card at any one time. Existing card load limits apply to account which cannot be exceeded. 2. Forward contact deposit % are subject to additional qualifying criteria and are reduced relative to the standard 10% deposit requirement. 3. Online International Payment margin discount is against Caxton s base rate margin and is not available to be used with any other offer, discount or enhancement offered by Caxton. Caxton s online margin will differ from those offered over the phone when speaking with your dedicated account manager. In order to maximise your offering, always speak to your account manager. 4. Online card margin discount is set against Caxton s base rate margin and cannot be combined with any other offer, discount or enhancement offered by Caxton and is only available on transactions made via the desktop and mobile web versions of caxtonfx.com or version 6.2 or later of the Caxton App on Android or ios. 5. Caxton Plus is added to the main account holders card and is subject to further terms and conditions which can be read at caxtonfx.com is awarded to the referrer once a new customer has opened a Caxton account and made a successful international payment. A new customer is considered a person who has never had a Caxton a card or international payment account before and must have a different residential address from the referrer. 6
9 ADVANCED CURRENCY SOLUTIONS FOR FLEXIBILITY AND OPTIONS We know that you already keep a watchful eye on currency markets. That s why we offer a range of products that provide maximum flexibility. SPOT CONTRACT To exploit advantageous market conditions you need to move fast. Spot contracts are the simple, fast and effective way to buy money to move overseas quickly. Secure that day s rate with the ability to pay in up to four working days. LIMIT ORDER Don t miss out on your target rate. Once signed, limit orders authorise your account manager to automatically execute a trade should the rate become available during an agreed time frame. FORWARD CONTRACT The right rate can often come at the wrong time. Forward contracts allow you to secure an optimum currency rate with a deposit, then defer the final payment until such a time when you need to transfer the money overseas. FLEXI-FORWARD CONTRACT The best laid plans often go awry. Similar to forward contracts, flexi-forwards also allow a degree of flexibility on the date you make the final payment. The rate won t quite match a forward contract deal, but for some it s a small cost to ensure peace of mind. CURRENCY OPTION Options 1 offer the right but not the obligation to buy currency on a future date. After the contract is signed you can choose to buy at a different rate should the market move in a favourable direction. If the market takes a turn for the worse, the original rate remains locked in. 1. Spot and forward contracts can be offered on all trades, while Option contracts offered by Caxton require additional eligibility criteria to enter into and carry additional risk to the customer. 7
10 CONTACT CAXTONFX.COM/PREMIER
CAXTON PREMIER INTERNATIONAL SERVICES
CAXTON PREMIER INTERNATIONAL SERVICES 1 WHAT IS CAXTON PREMIER? Globalisation makes international payments an essential part of today s modern lifestyle. At the same time, political and economic uncertainty
More informationBUYING AND SELLING PROPERTY OVERSEAS A GUIDE TO INTERNATIONAL PAYMENTS
BUYING AND SELLING PROPERTY OVERSEAS A GUIDE TO INTERNATIONAL PAYMENTS CONTENTS 1 Managing the Cost of Currency 2 Top Tips for Regular Payments Overseas 3 Timing is everything 4 Caxton Premier A New Standard
More informationMAKING REGULAR OVERSEAS PAYMENTS A GUIDE TO INTERNATIONAL PAYMENTS
MAKING REGULAR OVERSEAS PAYMENTS A GUIDE TO INTERNATIONAL PAYMENTS CONTENTS 1 Managing the Cost of Currency 2 Top Tips for Regular Payments Overseas 3 Timing is everything 4 Caxton Premier A New Standard
More informationBuying and Selling Property Overseas. A Guide to International Payments
Buying and Selling Property Overseas A Guide to International Payments Contents 3 4 5 6 7 8 9 10 11 12 Managing the Cost of Currency Top Tips for Transferring Currency About Caxton Caxton International
More informationWhy arrange your insurance with Hiscox Private Client?
Why arrange your insurance with Hiscox Private Client? Insurance from experts who understand your lifestyle and can tailor a product and service to meet your exact needs no matter how complex. We specialise
More informationHSBC Expat: Helping you achieve your ambitions
HSBC Expat: Helping you achieve your ambitions Choose a bank that s in tune with your lifestyle 2 It takes ambition, drive and courage to move to another country. It s a big step for most people and you
More informationHSBC Expat: Helping you achieve your ambitions
HSBC Expat: Helping you achieve your ambitions Choose a bank that s in tune with your lifestyle 2 It takes ambition, drive and courage to move to another country. It s a big step for most people and you
More informationCFD TRADING IN A FEW SIMPLE WORDS
CFD TRADING IN A FEW SIMPLE WORDS 1 TABLE OF CONTENTS: What Is Online Trading? 03 Forex 04 CFDs 05-06 Start Trading CFDs 07 What Exactly is Leverage 08-09 Pips 10 What Should I Invest in? 11 How to Open
More informationMy professional life is completely linked to my personal life. Abelardo, Founder and CEO
This is Fusion My professional life is completely linked to my personal life Abelardo, Founder and CEO 2 We know what it s like to run your own company. To be the CEO, the PA and everyone in between, and
More informationHello. Classic Classic Plus
Hello. Classic Classic Plus Welcome to a different kind of banking. Hello, welcome and above all, thank you for opening a current account with TSB. You ve joined a bank that isn t like any other bank.
More informationPartners Stores. Contents. Benefit from exclusive offers and discounts on a large range of everyday products and exclusive experiences.
Partners Stores Benefit from exclusive offers and discounts on a large range of everyday products and exclusive experiences. Contents 129 Telstra 131 131 Harvey Norman Australian Unity 129 Click Energy
More informationSettle in faster with RBC Newcomer Advantage. Banking made easy for newcomers to Canada
Settle in faster with RBC Newcomer Advantage Banking made easy for newcomers to Canada 1 RBC Royal Bank Banking made easy 2 10newcomers to Canada We know how important it is to choose the right banking
More informationOur guide to foreign exchange
H O W T O T R A N S F E R M O N E Y A B R O A D Our guide to foreign exchange 1 ANSWERING YOUR QUESTIONS ABOUT TRANSFERRING MONEY ABROAD Stress free currency transfers Buying or selling a property abroad
More informationUSaver. USaver Reach. USaver SMSF. UHomeLoan. Features. 1. Save money. 2. Save time. 3. Save worry
U BANK UBank information 13.10.2017 U BANK ubank.com.au 13 30 80 Hello. We designed UBank with one thing in mind; to help you make more of your money, the easy way. Lee Hatton, CEO, UBank UBank is all
More informationMake your financial future bright and easy. With your own financial plan. hatchplan.co.uk
Make your financial future bright and easy. With your own financial plan. hatchplan.co.uk Hatch in a nutshell We brighten employees financial futures in 3 simple steps 1 Set Goals 2 Get your Plan 3 Stay
More informationA guide to Smart Saver
A guide to Smart Saver Our Smart Saver is an instant access savings account that offers you multi-channel access. You can manage your savings via Online or Mobile Banking, by calling us or by visiting
More informationCFD Trading. You can lose more than your initial investment when trading CFDs
CFD Trading You can lose more than your initial investment when trading CFDs A ccendo Markets is a market leader in financial trading services*, providing awardwinning on-line and telephone broking services
More informationRegular Payments. Tel: +44 (0)
Regular Payments Regular Payments Answers to Common Queries. Why would I need this service? Once you ve covered the initial costs involved in a move overseas, you may find that you still need to transfer
More informationAdvisory Services. Introducing
Introducing Your Pension. Our Promise. Advisory Services A new level of service There will come a point when you will face a major pension decision: you have past service you are considering purchasing,
More informationWe take on the world so that you don t have to. Your welcome brochure
We take on the world so that you don t have to Your welcome brochure 2 The new HSBC Advance Bank Account designed with your needs in mind. Even the most personal ambitions are rarely achieved alone. Your
More informationINVESTING FOR YOUR RETIREMENT. The choice is yours
INVESTING FOR YOUR RETIREMENT The choice is yours 2 Supporting your journey. Thinking about your retirement isn t always easy, as it can feel far away. But knowing which way you re heading can give you
More informationWealth Management. All the financial help you need. Life is all about peace of mind. So you need a friend in your corner.
Wealth Management. All the financial help you need. Life is all about peace of mind. So you need a friend in your corner. Dukes gives you peace of mind... The most important things in your life are the
More informationConnecting you to opportunities around the world. HSBC Foreign Exchange Solutions
Connecting you to opportunities around the world HSBC Foreign Exchange Solutions REACH OUT TO THE WORLD The world is getting smaller every day. Opportunities await us everywhere. Be it investing globally,
More informationWORKPLACE SAVINGS GUIDE
WORKPLACE SAVINGS GUIDE START HERE. We understand that pensions can be confusing and difficult to understand. That s why we ve created this guide, to explain to you how they work and why they re so important
More informationFlexStudent. How to use your account Plus the FlexStudent terms and conditions. Building Society
FlexStudent How to use your account Plus the FlexStudent terms and conditions Building Society What is this leaflet for? In this leaflet, you ll find information on how to use your FlexStudent account,
More informationYour welcome brochure. Jump into life s next great adventure
Your welcome brochure Jump into life s next great adventure 2 Wherever life takes you, make time to enjoy the ride 3 The HSBC Advance Bank Account designed with your needs in mind. Even the most personal
More informationPension Portfolio J26372_LF10207_0318.indd 1 05/03/18 6:39 am
Pension Portfolio could be the perfect home for your pension. It allows you to take full advantage of the pension freedoms. Pension Portfolio has two options - Core and Choice - which are designed to meet
More informationWELCOME TO BETHPAGE. Extraordinary value and service, anytime, anywhere.
WELCOME TO BETHPAGE Dear Member: Welcome and Congratulations! You are now a member of Long Island s premier community financial institution. At Bethpage, we re built to give you more because we re a credit
More informationRetirement Investments Retirement Insurance Health Investments Insurance Health
Retirement Investments Insurance Health Investment Portfolio Investment Portfolio from Aviva Whatever your financial needs, Investment Portfolio offers you a wide range of investment options, giving you
More informationHidden Secrets behind becoming A Forex Expert!
Hidden Secrets behind becoming A Forex Expert! From - www.forexadvantageblueprint.com 1 Special Report from http://www.forexadvantageblueprint.com Risk Disclosure Statement The contents of this e-book
More informationADVISOR GUIDE. Building Your GSC Health Assist Business An Insider s Guide FOR ADVISOR USE ONLY. Plans provided by Green Shield Canada (GSC)
ADVISOR GUIDE Building Your GSC Health Assist Business An Insider s Guide FOR ADVISOR USE ONLY Plans provided by Green Shield Canada (GSC) WHO WE ARE GREEN SHIELD CANADA (GSC) IS DIFFERENT. AND THAT S
More informationYour guide to understanding ISAs
Your guide to understanding ISAs Your money. Our expertise. This guide is for information purposes only. It should not be seen as advice. Investments in the stock market may fall as well as rise, and it
More informationSANDRINGHAM FINANCIAL PARTNERS INVESTING FOR THE GOOD TIMES AHEAD
SANDRINGHAM FINANCIAL PARTNERS INVESTING FOR THE GOOD TIMES AHEAD BECAUSE YOUR TIME IS PRECIOUS We appreciate that your time is invaluable the time you spend with your family, the time spent doing all
More informationCLARITY. Your IVA questions answered MONEY ADVICE LIFESTYLE BUDGETING
CLARITY Your IVA questions answered BUDGETING LIFESTYLE MONEY ADVICE GOT A QUESTION? Here s what we get asked the most At PayPlan, we help people resolve their debt problems by providing advice on a wide
More informationWelcome to the world of Citigold
Enjoy a unique position of access and privilege, where clear thinking and individual understanding brings your bank home, to you. With investment and banking products, exclusive benefits and services,
More informationAre you ready for a personal, local bank? Boulder County s Premier Community Bank. We take a common-sense approach to banking.
Personal Account Solutions Boulder County s Premier Community Bank Are you ready for a personal, local bank? We take a common-sense approach to banking. Checking Options A checking account at Flatirons
More informationCo-operative Bank Cash ISA
Key features of our Co-operative Bank Cash ISA The Financial Conduct Authority is the independent financial services regulator. It requires us, The Co-operative Bank, to give you this important information
More informationHomeEnergy Exclusive Mar 2019
HomeEnergy Exclusive Mar 2019 Tariff terms and conditions About your tariff HomeEnergy Exclusive Mar 2019 prices are fixed until 31 st March 2019. You ll pay a daily standing charge and a unit rate for
More informationCurrent accounts. Just ask in branch Call Visit nationwide.co.uk/current_account. Building Society
Just ask in branch Call 0800 30 20 10 Visit nationwide.co.uk/current_account Current accounts Building Society Paper from responsible sources When you have finished with this leaflet please recycle it.
More informationwith the support of Everyday Banking An easy read guide March 2018
with the support of Everyday Banking An easy read guide March 2018 Who is this guide for? This guide has been designed to help anyone who might need more information about everyday banking. We will cover
More informationDMP or IVA? LET S TALK. payplan.com FOLLOW US. We ll help you decide if a Debt Management Plan or an Individual Voluntary Arrangement is right for you
LET S TALK Call us free on 0800 716 239 (0800 numbers are now free from landlines and mobiles) We re open 8am 9pm weekdays and 9am 3pm Saturdays Email our advisers, advice@payplan.com payplan.com DMP or
More informationRetirement Investments Insurance. Pensions. made simple TAKE CONTROL OF YOUR FUTURE
Retirement Investments Insurance Pensions made simple TAKE CONTROL OF YOUR FUTURE Contents First things first... 5 Why pensions are so important... 6 How a pension plan works... 8 A 20 year old needs to
More informationYour guide to Releasing cash from your home. Lifetime mortgages that do more from
Your guide to Releasing cash from your home Lifetime mortgages that do more from Shouldn t there be more to life than worrying about money in retirement? That s what we believe and that s why more 2 life
More informationHEALTH AND LIFE INSURANCE SOLUTIONS. for intergovernmental and non-governmental organisations
HEALTH AND LIFE INSURANCE SOLUTIONS for intergovernmental and non-governmental organisations WE WORK HAND-IN-HAND WITH OUR CLIENTS TO UNDERSTAND THEIR NEEDS, WISHES AND THE CULTURE THAT EXISTS IN THEIR
More informationAll you need to know Optional Payment Lifetime Mortgage
All you need to know Optional Payment Lifetime Mortgage Contents Section 1 All about our Lifetime Mortgages 3 Section 2 Applying for a lifetime mortgage 11 Section 3 What happens if your circumstances
More informationRetirement Investments Retirement Insurance Health Investments Insurance Health
Retirement Investments Insurance Health ISA Portfolio If you re investing for the medium to long term, then you should always consider a stocks and shares ISA with the significant tax advantages it offers.
More informationGetting ready for university
PERSONAL BANKING Getting ready for university Our account benefits really stack up The TSB 2013/2014 Student Account Heading off to university or college is an exciting time. That s why our Student Account
More informationMaking cards work for you. A public education campaign brought to you by MasterCard
Making cards work for you A public education campaign brought to you by MasterCard At school or work paying bills, renting an apartment or shopping for a new car, you need to know how cards save you money
More informationFAQ. Jump to. How does one Finch? Signing Up. Pay and Request. Tabs. Bank Transfers. Bank Account and Cards. Account Settings and Security
FAQ How does one Finch? Jump to Signing Up Pay and Request Tabs Bank Transfers Bank Account and Cards Account Settings and Security Signing Up Having trouble getting started? Where can I sign up? You can
More informationFriends & Family Junior ISA Help them soar
Friends & Family Junior ISA Help them soar Here for everyone Kingston Unity is a Friendly Society. We re totally different to banks, because we re owned by our members. We re run for the benefit of you,
More informationWe re going to cover four advice areas and you ll see how taking a few simple actions can save you money and put you further along the path to
Welcome to our session today and thanks very much for coming. Our talk today is about how everyday banking advice can help you reach your financial goals. So let s get started 1 We re going to cover four
More informationWelcome to your. Health Savings Account (HSA)
Welcome to your Health Savings Account (HSA) Welcome Thank you for opening a Health Savings Account (HSA) administered by National Benefit Services (NBS). We are here to help you and your family understand
More informationWe are World First. Why work with us? Working with World First is like a breath of fresh air. We value and respect our clients and we look after them.
We are World First We are the UK s leading foreign exchange company. Every year, we help thousands of people move their money safely and quickly around the world. There are many reasons you might want
More informationUse your property to your advantage. A guide to our Second Home and Buy to Let Products
Use your property to your advantage A guide to our Second Home and Buy to Let Products Introducing Retirement Advantage 2 A guide to our Second Home and Buy to Let Products Previously known as MGM Advantage
More informationISLAMIC ACCOUNT. Banking that understands the Shariah way
ISLAMIC ACCOUNT Banking that understands the Shariah way Islamic Account Contents Account benefits 3 Shariah approved banking 4 My Lloyds Bank Visa debit card 5 Ways to bank 6 Travelling with your debit
More informationTO FIT YOUR BUSINESS
For employers Retirement Solutions TAILORED SOLUTIONS TO FIT YOUR BUSINESS A guide for employers WORK SMARTER NOT HARDER These days, offering your workers a good pension is vital. Of course, as pensions
More informationWill included Exclusions apply. Your complete guide to Golden Charter Funeral Plans
Will included Exclusions apply Your complete guide to Golden Charter Funeral s 192 The safe, simple way to secure peace of mind, for you and your family Thank you for your interest in Golden Charter. Our
More informationYOUR GUIDE TO BUDGETING, FINANCING AND CURRENCY
YOUR GUIDE TO BUDGETING, FINANCING AND CURRENCY BUDGETING, FINANCING AND CURRENCY Currency exchange rates, language barriers and unfamiliar rules & regulations are just some of the things you will need
More informationAn introduction to the Cofunds Pension Account
Product guide for self-directed investors An introduction to the Cofunds Pension Account provided by Suffolk Life A straightforward way to plan for your retirement Contents Introduction 1 The experts behind
More informationWorkplace pensions AUTO ENROLMENT HAS TAKEN OFF
Workplace pensions AUTO ENROLMENT HAS TAKEN OFF INTRODUCTION The Government introduced auto enrolment to help more people save for their future. It means your employer will have to give you access to a
More informationPlanning for your retirement. Generating an income in retirement
Planning for your retirement Generating an income in retirement IN THIS GUIDE PLANNING YOUR RETIREMENT INCOME 3 CASH 5 BONDS 6 SHARES (EQUITIES) 9 PROPERTY 11 MULTI-ASSET INCOME INVESTMENTS 12 DRAWING
More informationTHE DEFINITIVE EXPAT GUIDE TO PROTECTING YOUR WEALTH AND MINIMISING TAXES
THE DEFINITIVE EXPAT GUIDE TO PROTECTING YOUR WEALTH AND MINIMISING TAXES WWW.FIDUCIARYWEALTH.EU Why Us? We are expats just like you. We are familiar with the challenges you face when you move to or live
More informationGet great value now and in the years ahead. The Fidelity guide to pricing
Get great value now and in the years ahead The Fidelity guide to pricing Value and support throughout your investment journey Whenever you re thinking about buying something, from a phone or a car to a
More information1. Remortgaging: The Basics
Remortgage Guide There are many reasons why you might want to remortgage your home, but have been hesitant to do it. We ve created this remortgage guide to show you that remortgaging your home can actually
More informationHelping you manage your wealth. For Financial Adviser use with clients
Helping you manage your wealth For Financial Adviser use with clients Contents Page The simplicity of Wrap 03 How does Wrap work? 04 What is Standard Life Wrap? 05 Why Standard Life? 06 Why choose Standard
More informationMEDIGAP MADE SIMPLE. By Rick Teska Rick Teska. All Rights Reserved
Ne! w MEDIGAP MADE SIMPLE By Rick Teska 2017 Rick Teska. All Rights Reserved Medicare Made Simple By Rick Teska WELCOME! Thank you for downloading our Medicare Made Simple Kit, we hope it is a helpful
More informationInternational Health Insurance for Higher Education Covering international students and faculty in the U.S. and abroad
International Health Insurance for Higher Education Covering international students and faculty in the U.S. and abroad Solutions for your whole world GeoBlue offers health plans that power intellectually
More informationLegal & General Critical Illness Cover
1 Contents Critical Illness Cover Page 3 What is a critical illness? Page 4 Could it happen to me? Page 5 How can Critical Illness Cover help? Page 6-7 Legal & General Nurse Support Services Page 8-9 Legal
More informationPremier Personal Pension Plan
Premier Personal Pension Plan Key Features Please read this document along with your personal illustration (if you have one) before you decide to buy this plan. It's important you understand how Premier
More informationWelcome to your Liberty Health Bank Health Savings Account (HSA)
Welcome to your Liberty Health Bank Health Savings Account (HSA) P a g e 1 Contents Congratulations!... 3 The fundamentals... 3 What s next... 3 Use this guide to get started... 3 Managing your account...
More informationThe Ultimate Guide to Contracting
The Ultimate Guide to Contracting Accountants Experts for Experts Contents About us 3 Welcome to contracting 4 The benefits of contracting How to find your first contract 5 Limited vs Umbrella 6 Limited
More informationUK cargo insurance using Duet
Allianz Global Corporate & Specialty UK UK cargo insurance using Duet Comprehensive cargo services delivered instantly online Instant access with personal service making cargo insurance accessible to UK
More informationHomeEnergy collective Jun 2019
HomeEnergy collective Jun 2019 Tariff terms and conditions About your tariff HomeEnergy Collective Jun 2019 prices are fixed until 30 th June 2019. You ll pay a daily standing charge and unit rate for
More informationKey features of the Zurich Junior Stocks and Shares ISA
Key features of the Zurich Junior Stocks and Shares ISA Contents Helping you decide This important document gives you a summary of the Zurich Junior Stocks and Shares ISA. Please read this before you decide
More informationWe re here for you every step of the way
Connect with Vanguard > vanguard.com > 800-750-1520 All investing is subject to risk, including the possible loss of the money you invest. Diversification does not ensure a profit or protect against a
More informationGUIDE TO BENEFITS MERIDIAN VISA * CASH BACK CARD M40001 (11/16)
GUIDE TO BENEFITS MERIDIAN VISA * CASH BACK CARD M40001 (11/16) WELCOME Your new Meridian Visa Cash Back Card is your key to earning cash back and more for simply making everyday purchases. You ll be
More informationEquity Release. A guide to our Lifetime Mortgage products
Equity Release A guide to our Lifetime Mortgage products Introducing Retirement Advantage 2 A guide to our Lifetime Mortgage products Retirement Advantage is a wellestablished company that can trace its
More informationInvesting in onshore bonds
Investing in onshore bonds Open up your options with our Tailored Investment Bond Before you decide to buy, you need to know what the risks and commitments are. Read our key features document (TNB17).
More informationYour Guide to Driving Abroad
Your Guide to Driving Abroad In the event of an incident please call us immediately so we can help. 0333 234 0012 or 0333 234 6003 1 Your Guide to Driving Abroad What to do and know before you travel outside
More informationFinancial Advice Help secure your financial future with Aviva. Retirement Investments Insurance Health
Financial Advice Help secure your financial future with Aviva Retirement Investments Insurance Health Why get financial advice? Whether you re saving for the future, approaching retirement or want to invest
More informationA guide to Stocks and shares ISAs
A guide to Stocks and shares ISAs Contents Introduction 3 How long have ISAs been around? 3 What types of ISA are there? 4 Who can invest in a Stocks and shares ISA? 5 The tax advantages of a Stocks and
More informationWarehouse Money Visa Card Terms and Conditions
Warehouse Money Visa Card Terms and Conditions 1 01 Contents 1. About these terms 6 2. How to read this document 6 3. Managing your account online 6 4. Managing your account online things you need to
More informationFrequently asked questions.
Frequently asked questions. Frequently asked questions. Mobile App and Internet Banking. Our Mobile App and Internet Banking are available, but if you re having difficulty logging in, please try closing
More informationPension Lifetime Allowance Guide
Pension Lifetime Allowance Guide Your solution to high value pensions Inside this edition: Lifetime allowance changes How to protect your pension Unique solution to lifetime allowance issues The impact
More informationProtect your house, so it always feels like home.
Protect your house, so it always feels like home. Masterpiece Homeowners Insurance Protecting the details that make your house your home 97% of Chubb clients who had a claim paid were highly satisfied
More informationHelping you grow your retirement income
Helping you grow your retirement income The FundsNetwork Pension 1 The benefits you ll enjoy with the FundsNetwork Pension: A full range of tax benefits receive tax relief on contributions, tax-efficient
More informationGetting started. Introducing your account
Getting started Introducing your account 2 Welcome to banking designed to suit your taste When it comes to banking, we don t believe one size fits all. That s why in addition to our regular Bank Account,
More informationYNAB Budgeting System User Guide
Budgeting System User Guide Table of Contents Introduction... 3 User Interface... 3 Legend... 4 Features... 4 A portable budget... 4 Budget with strategy... 4 Simple management... 5 Save money faster...
More informationCasco FX. Foreign Exchange & Risk Management
Casco FX Foreign Exchange & Risk Management Introduction For companies and organisations that require effective management of their foreign currency exposure, Casco FX is the natural choice Casco FX provides
More informationSME Banking. Letting you focus on your business
SME Banking Letting you focus on your business You have the ambition, the vision and the drive. They are yours alone. However, we have the experience and expertise that comes from helping thousands of
More informationLive life without boundaries. Live life without boundaries
Live life without boundaries 1 Live life without boundaries 2 Live life without boundaries Live life without boundaries 3 New perks and privileges. HSBC Premier is the world s first globally linked up
More informationHow To Send Money Abroad Quickly, Safely & For Low Cost
How To Send Money Abroad Quickly, Safely & For Low Cost A quick guide to saving money when using CurrencyFair to send money abroad. CurrencyFair www.currencyfair.com CurrencyFair is an outstanding example
More informationWhere excellence meets expertise
Where excellence meets expertise Zurich Private Clients 03 Where excellence meets expertise At Zurich Private Clients our philosophy is simple we treat every client as an individual and tailor everything
More informationA History of Shaping Financial Success THE QUICK GUIDE TO FINANCIAL SUCCESS
A History of Shaping Financial Success THE QUICK GUIDE TO FINANCIAL SUCCESS Success is No Accident. It is hard work, perseverance, learning, studying, sacrifice and most of all, love of what you are doing.
More informationYOUR COMPANY PENSION GROUP PERSONAL PENSION. A guide to help you prepare for the retirement you want
YOUR COMPANY PENSION GROUP PERSONAL PENSION A guide to help you prepare for the retirement you want WELCOME TO YOUR SCOTTISH WIDOWS WORKPLACE PENSION Everyone needs a plan for their retirement. This guide
More informationSwitching current account
Switching current account When you ve chosen your current account it s good to know switching is stress-free. Transfer everything safely and securely in 7 working days. Joining us Contents The switching
More informationA guide to account updates
A guide to account updates Here at Lake Sunapee Bank, we recently completed a merger with Bar Harbor Bank & Trust, uniting two northern New England banks with deep commitments to community banking and
More informationYour guide to switching
M&S CURRENT ACCOUNT Your guide to switching 185 125 M&S gift card when you switch and up to 60 when you stay Financial criteria and other terms and conditions apply. Switch and stay All the right reasons
More informationintelligent wealth management
intelligent wealth management 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
More informationAviva Personal Pension
Retirement Investments Insurance Aviva Personal Pension Customer Booklet Contents 10 good reasons to start a pension 3 Introducing the Aviva Personal Pension 4 Aviva Online 5 Is the Aviva Personal Pension
More information