INVEST WITH US
FOCUSED
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A FOCUSED AND INDIVIDUAL SERVICE
Based in the heart of Surrey with vast city expertise and experience, SI Capital is a leading professional and approachable team of investment advisors. Established in 2004, our aim is to offer simple and traditional stock market advice. We do this by combining expert analysis with your investment objectives – be it planning for your children’s financial future or safeguarding your own retirement plans – to create a balanced share portfolio that works for you. New investors are given trusted advice, explained simply. Experienced investors gain a stock market partner who is working on their side, to act as a trusted sounding board.
Our Status SI Capital is Authorised and Regulated by the Financial Conduct Authority and a member firm of the London Stock Exchange. Our Culture We believe that creating the right culture starts with employing the right people. Most of our team have been with us for ten years or more, which enables us to build long-lasting trust-based relationships with our customers.
We are truly independent – which means we have no ties to any products or providers. It’s simply a case of tailoring our advice to your needs, whatever your level of experience.
Experienced investors can trust our traditional stockbroking advice. Those new to investment can guarantee trusted advice explained simply.
TAILORED
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TRADITIONAL. TAILORED. TRUSTWORTHY.
At SI Capital, we take a traditional approach to investment. Our services are completely bespoke, whether you’re an experienced or a new investor looking for advice, or a family, company or trustee looking for help when it comes to making decisions about what to invest, where, and how to do so. We’re approachable and we believe in human, not automated relationships. There are no call centres or scripts, just warm and friendly advisors happy to help on the phone or in person, whenever you need them. Ours is a relationship you can trust and, as an established SI Capital customer, we will build an understanding of your unique objectives and tailor our advice accordingly – after all, we understand that your own circumstances, as well as the stock market, may change. We react to changing circumstances to keep your portfolio as healthy as possible, and help you become more knowledgeable about the market you’re investing in, in the process.
Ours is a relationship you can trust and, as an established SI Capital customer, we will build an understanding of your unique objectives and tailor our advice accordingly.
TRANSPARENT
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TOTAL TRANSPARENCY, GREATER PEACE OF MIND
We feel it is important to provide you with one dedicated point of contact. Therefore, once you have opened an account, you will be assigned a senior advisor from our Investment Team who will be available whenever you need them. They will help you build your portfolio according to your specific objectives, and you will also have 24/7 online access to your portfolios. You will receive a statement bi-annually, plus a tax year-end statement that includes a consolidated tax voucher for every trade. Dividends can be retained on share accounts, or paid quarterly, whatever suits you. Your funds are always liquid, too; we don’t put your money into funds, trusts or products that require notice. You will be able to access your funds within 48 hours. No ties, no lock-in periods, just total peace of mind.
You will be able to access your funds within 48 hours. No ties, no lock-in periods, just total peace of mind.
FLEXIBLE
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ISAs SAVING STARTS HERE
Create a flexible tax-free future by setting up or transferring your ISA to SI Capital. What’s not to like about an ISA (Individual Savings Account)? With a tax-free allowance of £15,240 until April 6th 2017. ISA’s offer the flexibility and security to save in a way that suits you.
Long-term, an ISA could be a great way to put aside school fees, pay off the mortgage or contribute towards your pension. But shortterm, if you transfer your existing ISA to SI Capital or open a brand-new ISA with us – you have the opportunity to benefit from our advice and research.
What is an ISA? •
An ISA (Individual Savings Account) is a tax-free way to save or invest.
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The interest on a cash ISA is free from tax, which means you keep any interest you earn.
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Each tax year starts on 6 April and you get a new ISA allowance. For the tax year 2016/17, the ISA allowance is £15,240 for cash, Stocks & Shares and Innovative Finance ISAs, and £4,080 for Junior ISAs.
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Cash ISAs have similar features to savings accounts, but the interest you earn is tax-free. You’re allowed to save up to your annual ISA allowance.
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You can put your Stocks & Shares ISA allowance into a range of investments. Any gains you make are tax efficient.
Our aim is to help you be smarter with your ISA and save for a greater purpose. So what are you waiting for?
LEGACY
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PROTECT YOUR ESTATE
Inheritance need not be too taxing if you invest in the stock market. Inheritance Tax (IHT). Two words sure to strike fear into the heart of anybody who has worked all their life to leave a financial legacy, only to face the prospect of their loved ones losing a significant amount before they can access their inheritance.
Using a tax relief created by the UK Government in 2000, SI Capital can help you optimise the transfer of part of your Estate to your beneficiaries by investing in qualifying shares. Our team will do this by investing your money in companies listed on the Alternative Investment Market (AIM) – the London Stock Exchange’s international market for small, growing companies. This money, and any growth achieved by it, will fall outside of your taxable Estate two years after the date of investment. Importantly: •
the shares remain in your name
•
you can access your portfolio within 48 hours.
This money, and any growth achieved by it, will fall outside of your taxable Estate two years after the date of investment.
FUTURE
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SIPPs RETIRE WITH CONFIDENCE
Make you savings work harder A pension is one of the most tax-efficient ways of saving for retirement. Like all pensions, a SIPP (Self Invested Personal Pension) offers up to 45% tax relief on contributions and there is no UK capital gains tax or UK income tax to pay. The tax benefits will depend on your individual circumstances and tax rules are subject to change by the government.
If you have an existing pension, SI Capital’s
Execution-only dealing
advisory service can help you invest the money
Our traditional ‘relationship-based’ stockbroking service includes swift execution of orders, market sentiment and continued phone correspondence as we look to improve the quoted price and help you make the right decision.
you’ve saved more effectively. You’ve worked tirelessly to prepare for your future, so let us give you the advice you need to help you invest your money more wisely, for greater benefits.
SIMPLICITY
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GETTING STARTED IS AS EASY 1, 2, 3
The process of opening an account couldn’t be easier…
NICE TO MEET YOU This is our opportunity to get to know you, and you us! From the first meeting, we appoint a dedicated account manager to listen and understand your situation and objectives. This is your opportunity to outline any short, medium and longer-term aspirations. We make no assumptions and there are no obligations.
SIGN HERE PLEASE… We make the paperwork process quick and easy for you (see page 17 ‘Documentation’). We help you fill out our application form, including the required terms of business and risk warnings that need to be signed.
ON BOARDING At this stage, you will have an account set up in your name with instant and direct online access to live valuations and statements. We’ll introduce you to your dedicated investment advisor and provide you with a welcome pack, which you can read at your leisure.
We also handle all the paperwork on your behalf so you don’t have to, on your instruction, of course, and deal with all the arrangements for settling purchases and sales.
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ADDITIONAL INFORMATION
Documentation You will need to provide us with: • a copy of your current passport or photo I.D • proof of address – utility bill (gas, electricity, council tax, water or phone) • an original bank statement (less than 6 months old). Secured. Protected. Safeguarded. SI Capital is Authorised and Regulated by The Financial Conduct Authority. Your assets are carefully segregated and ring-fenced from the assets of SI Capital Ltd by our Clearing Broker. As a retail client of an authorised firm, your investments fall under the protection of the Financial Services Compensation Scheme.
Nominee Accounts: Simple, Secure and Efficient These are three words we all want to hear when it comes to financial matters. • Our Nominee Account comes with the benefit of prompt settlement, which means you can earn interest from sale proceeds at the earliest possible moment. • We hold your securities for you in the name of our nominee company in CREST, or with our overseas custodian for your overseas investments. •
You remain the beneficial owner of your investments, which are fully ring-fenced. We handle all paperwork on your behalf so that you don’t have to, on your instruction, of course, and deal with all the arrangements for settling purchases and sales.
INVESTING IS NOT FOR EVERYONE...
THE RISKS We recommend that any potential investor seeks independent tax and financial advice before committing.
immediately, you may receive much less than you paid for them. Prices can change quickly, and in both directions.
You should only invest if you have carefully considered whether you can afford it, and whether it is right for you.
Margined products, such as Contract for
Unfortunately, all equity investments carry some form of risk. Share prices can fluctuate, which means you might not get back any money you invested. Sadly, past performance is not always a tangible barometer for future performance. There are no guarantees. If trading in AIM or small company shares, there can be a discrepancy between the buying and selling prices. If the shares have to be sold
Difference (CFDs), can be subject to greater risk. The effect of ‘Leverage’ or ‘Gearing’ means that relatively large positions can be controlled using a comparatively small initial deposit. Subsequently, both gains and losses can be significantly magnified to the extent that you could lose more than your initial deposit in a very short period of time. Current tax treatment may not continue and will depend on your personal circumstances.
You should only invest if you have carefully considered whether you can afford it, and whether it is right for you.
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WE LOOK FORWARD TO MEETING YOU For further information about anything you have read in this Investment Services Guide, to enquire about opening an account or any other information on our products and services, please contact a member of our team on:
01483 413500, or email info@sicapital.co.uk 46 Bridge Street, Godalming, Surrey, GU7 1HL
Authorised and Regulated by the Financial Conduct Authority, reference 230687. Member Firm of The London Stock Exchange. Registered Office: 19 Berkley Street, London, W1J 8ED. Registered Number: 4870280. Registered in England.