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Collectives

THE VALUE OF INVESTMENTS AND THE INCOME THEY PRODUCE CAN FALL AS WELL AS RISE. YOU MAY GET BACK LESS THAN YOU INVESTED.

TAX TREATMENT VARIES ACCORDING TO INDIVIDUAL CIRCUMSTANCES AND IS SUBJECT TO CHANGE.

Collective Investments

With a collective investment your money is pooled, along with that of other investors, to create a large capital sum. Professional fund managers then use this capital sum to build up a large portfolio of investments. This approach enables you, indirectly, to hold a wide range of stocks and shares or other investments in a way which would not be practical for the majority of individual investors, whilst reducing the effects on your capital of fluctuations in individual share values.

Collectives can also invest in fixed interest instruments. These include UK government stock, also known as gilt edged stock or "gilts" for short. Corporate bonds are also fixed interest instruments and both represent direct borrowing on the part of the issuer of the bonds. They are referred to as "fixed interest" because their cost of borrowing is fixed, while the price of the bonds themselves may float up or down depending on supply and demand.

Traditionally, fixed interest investments have been regarded as a safe option. However it is important to remember that not only do they fluctuate in price, but also that the investor risks that the issuer may not be able to pay the interest (coupon) on the bonds, or the principal when the bonds mature.

With a collective investment your capital can benefit from expert full time investment management, reducing the risk and complexities of direct investment into equities. Your money becomes part of a much larger investment portfolio with much larger individual investments, as well as more individual holdings.

Not all the money in collective investments will be invested. The managers will normally hold a small amount of capital in cash to help pay for costs and to provide money for investors who want to sell units in the investment. In circumstances where there has been a reduction in fund values and/or the funds receive a large number of requests, fund managers may delay or postpone withdrawals to avoid having to sell investments and undervalue. This can be of particular importance to investments that invest in illiquid or difficult to sell assets, e.g. commercial property.

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Company address: Bingham-Woods Independent Financial Advisors Ltd, 2 Bridge Street, Spalding, Lincolnshire, PE11 1XA
T: 01775 718257 Email: [email protected]

Bingham-Woods Independent Financial Advisors Ltd is an appointed representative of Quilter Wealth Limited, and Quilter Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority. Quilter Wealth Limited is entered on the FCA Register (https://register.fca.org.uk/s/) under reference 217742 and Quilter Mortgage Planning Limited under reference 440718.

Bingham-Woods Independent Financial Advisors Ltd (05994922) is registered in England. The registered address is 2 Bridge Street, Spalding, Lincolnshire PE11 1XA.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

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