The value of investments and the income from them can fluctuate and investors may not get back the amount originally invested. Investments should be made for the long term, ie. at least five years. Past performance is not a guide to future performance. Changes in exchange rates will affect the value of investments made overseas. Investments in newer markets, smaller companies or single sectors offer the possibility of higher returns but may also involve a higher degree of risk. Many funds also have specific risk warnings which you should read. Do not invest before reading all of the literature.

Why we do identity checks

For some of our investments, we may ask you to present information or documents about yourself so that we can confirm your identity. By providing this information you make it harder for criminals and terrorists to use false names - including yours.  For more information about why we do this, please read this factsheet from the Financial Services Authority regarding the fight against money laundering, financial crime and terrorism.