Fidelity Wealth Service

Transcription

1 Fidelity Wealth Service

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3 Dear Investor, New opportunities. The perfect property. The ideal retirement. Or maybe just the freedom to make it up as you go along. At Fidelity Wealth, we know every investor is different. We also recognise the challenges that come with larger, more complex portfolios and focus our Wealth Service on customers who have over 250,000 invested with us, including ISAs and pensions. This means your Relationship Manager can dedicate time to understanding your specific needs. The result is a Wealth service with a unique approach that can give you the guidance and support you need as you seek to grow your wealth. Let s talk how. Simon Gibbons, Head of Wealth Personal Investing 3

4 01. Dedication The Wealth service has a lot to offer, but it all starts with your personal Relationship Manager. It s their job to be in tune with your needs and to make sure you benefit from what we have to offer. This means helping with everything from investment strategies and account selection to fund performance and portfolio administration. Just as importantly, they will be in regular contact and work with you in the way that you want. Alternatively, if you prefer to take the lead, they ll simply be there whenever you have questions or need more information. Please note that your Relationship Manager can t give personal recommendations for any particular investment, so if you d like this sort of help, speak to a financial adviser. The value of investments can go down as well as up and you may get back less than you invest. Want to discuss what your Relationship Manager can do for you? Call today to speak directly with the team. 4

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6 02. Ease We know that successful investing isn t just about the big decisions. That s why we have a dedicated support team alongside our Relationship Managers to help you with the day to day stuff although they can also do the heavy lifting if you want to make more extensive changes to your holdings. The support team are only ever a phone call away and can handle everything from dealing on your existing portfolio to opening a new account, as well as any basic administration that needs doing, such as changing an address or issuing a tax certificate. 6

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9 03. Value The biggest advantage of our service is also one of the simplest. It gives you truly great value. Our Wealth service fee is just 0.20% (compared with Fidelity s standard charge of 0.35%) and it only applies to the first 1 million you invest with us. We then have no additional charges for any aspect of our service, including all the benefits of Fidelity Wealth. Benefits can be found on page 23 of this brochure. This means the only other costs you pay are those coming from the companies that manage your chosen investments and we ve negotiated discounts (in the form of either a rebate from the fund manager or lower annual management charges) on many of the options in our range, to help you get even more for your money. Call today to discuss how much you could save. 9

10 04. Insight It s a lot easier to make confident decisions for the future if you are well informed about what s going on at the moment. That s why we bring together expertise from across Fidelity, including our highly regarded Investment Director Tom Stevenson and his team, to give you timely views, insights and analysis. These are published daily on our website, and sent out in regular s, so you get everything straight away. You can read our latest articles right now at fidelity.co.uk/insight 10

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13 05. Understanding If you re looking after a large portfolio, there will be times when you want to see the bigger picture. That s why you ll receive a complimentary report each quarter that covers all your investments with us. As well as showing you how your funds are performing and what changes you ve made, it will analyse your holdings so you can see how they fit together. You re welcome to discuss this report with your Relationship Manager and we hope it will give you ideas for your portfolio. 13

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15 06. Experience We know that when it comes to getting the latest views and perspectives, nothing beats hearing directly from an expert. That s why we use all of Fidelity s reach and reputation to attract leading speakers from across the investment world for the free events we host throughout the year. These are only open to members of the Wealth service and they cover everything from regular forums where top managers discuss their funds in detail to a yearly outlook from Fidelity s Chief Investment Officer for equities. You can choose to attend in person, watch live online or catch up later on our website. To check what events are coming up, please visit fidelity.co.uk/seminars and call your Relationship Manager to reserve your place. 15

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17 07. Access We know you re busy, so we ve made sure you can have access to your account and keep track of your investments whenever and wherever you like. Simply log in to your account on your PC, mobile or tablet. The secure area of our website puts your latest account valuations and fund performance at your fingertips, providing full access to your portfolio and enabling you to trade at any time that suits you. You can check the latest performance of your portfolio, and find information about your holdings, including an analysis of their overall asset allocation and risk level. Log in today at fidelity.co.uk 17

18 08. Shares and bonds Our Share Dealing service will give you a straightforward way to buy a range of investments. We will be building it up gradually and as part of our phased launch, we have already added the majority of the shares listed on FTSE 100, FTSE 250, FTSE 350, FTSE All Share Index, FTSE AIM 100 Index and some shares listed on ISEQ20. Soon we will also offer: UK government bonds (gilts) and UK corporate bonds Access to European shares through CREST Depository Interests (CDIs) Additional Exchange Traded Funds (ETFs) and investment trusts As a primarily online service, we charge just 10 a trade (plus any market charges, such as stamp duty on investment trusts). The service fee of just 0.20% (compared with Fidelity s standard charge of 0.35%) as described on page 9, is charged on your entire portfolio. However, for the assets purchased via our Share Dealing service (exchange traded instruments including investment trusts) there is no service fee when held in a Fidelity Investment Account. If you hold these assets in a Fidelity ISA or SIPP, the service fee for these assets is capped at 45 a year. We hope to launch the additional investment options to our service soon, so please keep an eye out for more information. 18

19 09. Choices We ve used all of Fidelity s investment expertise to make it as easy as possible for you to choose funds. For an expertly managed fund portfolio, you can use our PathFinder tool to select a diversified investment in line with your attitude to risk in just three steps. Alternatively, if you d like a few more options, there s our Select 50. The Select 50 is a shortlist of our experts recommended funds, spread across eight easy to use categories. Of course, you might prefer to do your own research. That s why we offer funds from over 100 providers, plus investment trusts, exchange traded funds (ETFs) and even cash options. Please remember that the Select 50 and PathFinder are not personal recommendations in respect of a particular investment. If you need additional help, please speak to an authorised financial adviser. You should regularly reassess the suitability of your investments to ensure they continue to meet your attitude to risk and investment goals. Please note the value of investments can go down as well as up and you may get back less than you invest. Whatever approach you choose, we have a range of accounts for you to hold your funds in, with ISAs and SIPPs for adults or children sitting alongside general investment accounts. Call to discuss our range or explore the Select 50 at fidelity.co.uk/select 19

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21 10. Stability When you re making long-term plans, you need to be sure the company you choose will stay with you throughout the journey and have the resources to support you every step of the way. Fidelity Wealth is part of Fidelity International. We are one of the UK s leading investment companies and, just as importantly, have been independent from the day we were founded, nearly 50 years ago. This gives us the freedom to make decisions in investors long-term interests, without worrying about how they ll be perceived by the shorter-term attitudes of the City. We are also one of the few companies that runs its own investments and offers funds from other managers. This means we have a detailed understanding of the investment world, as well as connections throughout the industry. 21

22 11. Sharing Whether you re investing for a child s future, managing your tax exposure or simply keen for your spouse or partner to make the most of their own investments, we understand that an investment service is only doing half a job if it applies just to your personal holdings. That s why Fidelity Wealth automatically extends all its benefits, including the reduced service fee, to everyone in your household who invests with Fidelity, even if they don t meet our minimum investment level. This covers everything from your other half s ISA to a child s Junior SIPP. 22

23 The benefits at a glance Fidelity Wealth is open to anyone with a portfolio of at least 250,000 and it offers an extensive range of benefits: Your own Relationship Manager to provide guidance when you need it Dedicated team to support your trading and administration Great value from the moment you invest to help you make the most of your money Guidance tools to help with important investment decisions Access to your accounts whenever and wherever you want An in-depth report every three months that analyses your portfolio Exclusive events with leading names from across the industry The latest insights and perspectives from Fidelity s experts An extensive range of funds and accounts The same benefits for family members in your household It s easy to join. Just call our team on to find out more. 23

24 Issued by Financial Administration Services Limited, authorised and regulated by the Financial Conduct Authority. Fidelity, Fidelity International, the Fidelity International Logo and F symbol are trademarks of FIL Limited. UKM0818/22437/CSO8849/0819 PL_GEN_18