Brochure

INVESTMENT
SERVICES
MADE FOR YOU
HEADING
At Charles Stanley we have a different approach to
our investment services. Instead of trying to push
you into a service ‘pigeon hole’, we build our services
entirely around you.
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MARK
BAILEY – GUITARS
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Mark Bailey started making guitars
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at
the age of 18.
By 1998 he’d set up
his own company making guitars in
a double-decker bus. Mark now produces
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All of them are masterpieces in sound
and wood. Once a month his customers
can even build their own guitars under
his supervision. We can’t claim to be as
rock ‘n’ roll, but we do claim the same
attention to detail and delivery of
a quality that is ‘Made for You’.
3
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MADE FOR YOU
At Charles Stanley we have a different approach
to investment services. Rather than slotting you
into someone else’s financial model, we custom
build a service around you.
CHARLES STANLEY AND ‘MADE FOR YOU’
Whether you are an individual, a family, a company
or a trustee, we will tailor our service to suit you.
This is a way of working we have nurtured for over
150 years, building our reputation on a level of
service that is driven by the relationships we
develop with our clients.
ABOUT CHARLES STANLEY
A member of the London Stock Exchange since
1852, Charles Stanley has grown to become one of
the most respected UK firms in the field of private
client stockbroking, investment management and
financial planning, consistently winning industry
praise for its high level of service.
Your tailored service starts with an introduction
to one of our Investment Managers, who will
listen to what you have to say, ask questions
and assemble a comprehensive picture of
exactly where you are and, just as importantly,
where you want to be.
We are one of the UK’s leading independently
owned, full service stockbroking and investment
management groups, advising on substantial client
funds. Prudent management, an uncompromising
commitment to our clients and our long-term
financial stability drive our corporate success.
Our clients benefit from our objective advice, high
quality service and the close working relationship
we maintain with them.
Then, and only then, will your Investment Manager
design and implement a strategy that is built to fit
your requirements, one that is unique to you.
This can all be done completely at your
convenience, through one of our regional UK
offices, or at our London head office. Once
established as a client, you will find that staying
in touch and getting what you want done is easy,
friendly and trouble-free.
Dedicated teams of Investment Managers are
available to provide the specialist support needed
by charities and trusts and by clients who have
received damages and awards from the Court of
Protection. We also work alongside intermediaries,
such as lawyers and financial advisers, delivering
our investment skills and facilities to their clients.
Charles Stanley’s personal investment service truly
is ‘Made for You’.
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INVESTMENT
SERVICES
Our selection of investment services offers you a
fresh and thorough approach to your requirements.
We treat you as an individual, in terms of the
personal attention you receive as well as the
investment solutions we propose. Whether you
have general investment portfolios, Individual
Savings Accounts (ISAs), including Junior ISAs,
or a Self-Invested Personal Pension (SIPP), you can
choose the level of investment service, as described
in the following pages.
The level of service you choose will be determined
by how actively involved you want to be in
the management of your investments and how
confident you are with monitoring the balance
of risk and reward yourself. To agree which service
best suits your needs, our Investment Managers,
Stockbrokers and Financial Planning Consultants
will be pleased to talk to you.
Your investment portfolio should first take into
account your individual objectives and personal
risk tolerances, and then, incorporating rigorous
investment criteria and disciplines, marry these
to the asset classes, sectors and funds best placed
to achieve the desired results. By opting for our
investment management services, you ensure
the professional management of your investments
is in line with these principles.
Depending on the level of service you choose, your
dedicated Investment Manager, complemented by
our research teams and other specialists, can either
manage your portfolio on your behalf, in line with
your investment objectives, or else can provide all
the support you need to make your own informed
choices about every investment decision.
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OUR REGULATORY STATUS
As an independently-owned firm, we are not
tied to any products or providers. When advising
you on your investments, or managing them for
you on your behalf, we consider the whole of the
investment market available to retail investors, and
where appropriate we will also advise you on direct
investments such as shares, gilts and corporate
bonds. We can advise on all retail investments, and
are not limited to advising solely on products.
Our Advisory Managed and Advisory Dealing
investment services, as set out in the following
pages, are classed as ‘restricted’ services however,
since they are designed specifically for investors
seeking specialist expertise and advice on
investments and investment portfolios. These
advisory services do not extend automatically
to advice or management in relation to your
overall financial planning arrangements, or to any
individual aspect of your financial requirements
other than stockmarket and stockmarket
based investments. Clients who seek a broader
overview of their financial planning and pension
requirements should speak to their existing
Financial Adviser, or where appropriate we would
of course be delighted to introduce them to the
professionally qualified advisers in our Personal
Financial Planning division.
Our business is authorised and regulated by the
Financial Conduct Authority.
OUR INVESTMENT
MANAGEMENT SERVICES
Our investment philosophy is based on the
understanding that diversification and asset
allocation are central to your long-term
investment success.
DISCRETIONARY MANAGEMENT
Our Discretionary service allows you to hand over
the day-to-day management of your investment
portfolio to your Investment Manager, who will
monitor your holdings and make the investment
decisions on your behalf. In matching your portfolio
to your individual objectives and personal risk
tolerances, your Investment Manager will consider
all asset classes.
Your Investment Manager will meet with you at
the outset to get an accurate measure of your
requirements and objectives. You will be kept
fully briefed on the progress of your investments
through regular portfolio reviews and valuations.
You can also view your portfolio through a secure,
password-protected area of our website.
ADVISORY MANAGED
Your Investment Manager will monitor your
portfolio to ensure that it stays balanced and
in line with your pre-agreed investment goals.
However, proposed investment decisions are
discussed with you in advance and require your
prior approval. In matching your portfolio to your
individual objectives and personal risk tolerances,
you will be able to consider all asset classes.
Regular portfolio reviews and valuations are
provided and, if your portfolio is held in custody
by Charles Stanley, you can access it through our
website. You will also have access to our in-house
research reports and market information.
FUNDS AND MODELS
We also offer the opportunity to have your
investments managed on a discretionary basis
in collective investments, rather than directly in
stocks and shares. These services offer a range of
easy options for the professional management of
your investments:
■■
■■
t he Collectives Portfolio Service, whereby our
investment professionals manage your portfolio
of collective investments in line with our inhouse model portfolios, so as to match your
portfolio to your investment objectives; and
he Pan Asset Low Cost Passive Service offers
T
bespoke portfolios, funds, and model portfolios,
with a dynamic allocation across a wide range
of global asset classes using low-cost Exchange
Traded Funds (ETFs) and passive funds.
■■ a direct investment into Charles Stanley’s
own FP Matterley investment funds.
For further information on the Collectives Portfolio
Service please ask for the relevant brochure, and
for information on our investment funds please
visit www.matterley.com for passive investment
visit www.pan-asset.co.uk
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OUR ADVISORY &
DEALING SERVICES
Rather than having your portfolio managed
by one of our investment professionals, you may
simply require a facility to buy and sell investments.
Charles Stanley, as a full service stockbroking firm,
can provide access to the fullest possible range
of investments.
ADVISORY DEALING
This service is designed for investors who intend
to take an active interest in the markets and
prefer not only to make their own investment
decisions, with our advice, but to do so on a stock
by stock basis, rather than within the context of a
comprehensively managed portfolio.
Our advisory dealing service offers you
recommendations on individual investments,
as and when you wish to receive them. This
arrangement differs from our investment
management service, however, in that your
portfolio is not being managed. We consider only
the suitability of the investment in the light of your
objectives, requirements and existing investments
at the time of giving the advice. We do not provide
ongoing management of your portfolio, and
responsibility for its continuing suitability remains
with you.
EXECUTION-ONLY DEALING
This service is for those who know what they
want to buy and sell, and when. Our role is simply
to provide you with factual information, such as
prices, and execute trades on your instructions
without giving you any advice.
This is a truly flexible service – to suit your
requirements we can offer it through a Stockbroker
in your local Charles Stanley office, or through our
award-winning telephone (Execution-Only)
and online services.
Telephone - Using this service, you can manage
your investment portfolios and ISAs. You can also
deal in companies listed on the London Stock
Exchange and overseas markets, including major
European, US and Canadian exchanges.
When you become an execution-only client,
we will send you a personal account number
and direct telephone numbers for our experienced
team of dealers and administrators. If your
instructions are for immediate execution, your
dealer will seek, wherever possible, to improve
on the quoted price. The price achieved is normally
confirmed while you are on the telephone.
Online - Our service provides you with an
efficient, secure, reliable and easy to use online
dealing service. Using our online service you can
maintain your investment portfolios and ISAs all
in one place. We know that active traders require
access to in-depth data and more complex tools,
and our service is designed with this in mind.
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YOUR INVESTMENTS
Our expertise and experience provide
a significant resource for investors.
Charles Stanley Investment Managers have a
wealth of expertise and experience to draw on.
When determining which investments, asset
classes and strategies best suit your portfolio,
your Investment Manager has access to the
widest possible range of industry intelligence,
including in-house research teams and investment
specialists covering all the following asset classes.
Asset classes available to investors include equities
(UK and overseas), British government securities
(gilts), corporate bonds, investment trusts, unit
trusts and Open Ended Investment Companies
(OEICs), structured products, Exchange Traded
Funds (ETFs) and Venture Capital Trusts (VCTs).
We deal in securities quoted on all the major UK
and overseas exchanges. We would be happy
to introduce you to providers of Contracts For
Differences (CFDs) and spread betting.
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A regular programme of publications is available
to our clients, including: The Stockmarket Bulletin,
Investment Handbook, Traders’ Bulletin, regular
compilations of research reports plus economic and
bond briefings.
When it comes to investment decision making,
there is no substitute for well-researched
information, the kind that provides the data
you want in a clear and concise form.
That’s the kind of information we strive to provide
for each and every one of our clients.
LOOKING AFTER
YOUR INVESTMENTS
We are flexible enough to adapt to your
requirements, offering a wide range of possibilities
for the efficient management of your holdings.
There are three ways in which you can hold
your investments: in Charles Stanley’s Nominee
Account, in CREST Personal Membership or in the
form of paper share certificates.
Your choice will be determined by your own
personal preference and the amount of dealing
you do.
THE CHARLES STANLEY NOMINEE ACCOUNT
Our nominee account offers you simplicity, security
and efficiency, with the added benefit of prompt
settlement. This ensures that sale proceeds are
available to earn interest for you from the earliest
possible moment. In the Charles Stanley Nominee
Account we hold your securities for you registered
in the name of our nominee company in CREST,
or, for overseas investment, with our overseas
custodian. You remain the beneficial owner of your
investments, which (except in certain overseas
jurisdictions) are fully ring-fenced. We handle
all the paperwork on your behalf and, on your
instructions, deal with all the arrangements for
settling purchases and sales. We collect dividends
on your behalf. You receive regular statements
and reports, as well as an annual Securities Report
including a Consolidated Tax Certificate.
CREST PERSONAL MEMBERSHIP
CREST is the UK’s real-time electronic securities
settlement service. With CREST we can act as
your ‘sponsor’ in order for you to obtain personal
membership. We then manage your account while
the eligible holdings in your portfolio remain in
your name with CREST. Dividends, company
reports, documentation and shareholder benefits
will be sent directly to you. We will send you
a detailed statement of your shareholdings
every six months.
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8
LOOKING AFTER
INVESTMENT CASH
The Charles Stanley Cash Management Service is
a facility for you to hold investment cash with us.
This service makes it more efficient for income
and sale proceeds to be credited to you and for you
to settle purchase trades. Your money is kept in a
segregated account, where there are no minimum
balance requirements and no withdrawal penalties.
Interest at our published rates is paid on your daily
cash balance and distributed gross twice yearly,
in April and October.
We manage the flow of your cash in a fast and
efficient manner, ensuring that it does not miss
an opportunity to work for you.
SECURITY
Charles Stanley, as a company authorised and
regulated by the Financial Conduct Authority,
is acutely aware of the need to safeguard clients’
financial interests. First, your assets are carefully
segregated and ring-fenced from the assets of the
firm. Secondly, we carry substantial insurance that
provides cover for loss through events such as
theft, fire, fraud or negligence. Finally, as a client
of an authorised firm, your investments are
protected by the Financial Services Compensation
Scheme (visit www.fscs.org.uk for details).
9
TAX-EFFICIENT
INVESTING
Charles Stanley can help you manage your
investments in a tax-efficient manner that
best suits your requirements.
It is essential that your investments are managed
on the most tax-efficient basis possible. Charles
Stanley’s services allow you to hold your portfolio
within ISAs, pension policies (including SIPPs)
and onshore or offshore investment bonds.
INDIVIDUAL SAVINGS ACCOUNTS (ISAs)
Charles Stanley specialises in the provision
and administration of ISAs. We have one of the
largest ISA operations amongst UK private client
stockbrokers.
To take further advantage of our competitive
charging structure you can transfer any existing
ISAs to us. This will reduce your paperwork
and improve the efficiency of administration
through having a single point of contact for your
consolidated ISA investments. To enable families
to save for children in a tax efficient way we also
offer a Junior ISA service, which allows investment
in a wide range of Collective Investments. For
more information on this please ask for our Junior
ISA brochure.
The popularity of ISAs stems from their tax
efficiency and inherent flexibility, a flexibility that
our personal approach to investment services can
help you maximise.
INHERITANCE TAX PORTFOLIO SERVICE
Having worked hard all your life to build your
assets, you deserve the opportunity to use them
as best you can to fulfil your wishes.
ISAs allow you to build your own portfolio
of investments within a tax-efficient account.
The choice of eligible investments for these
accounts is wide and, to take advantage of these
possibilities through Charles Stanley, you can
choose whichever investment service suits you
best. We also make it easy for you to keep in touch
with your investments, as you will be sent regular
valuations and statements; you can also monitor
the progress of your accounts via our secure
website.
Although there are many ways to reduce
your taxable Estate, these can be expensive,
complicated and can involve losing the
benefits of your assets.
Charles Stanley has developed a competitive
charging structure. For discretionary and advisory
managed clients the values of their ISA and other
portfolios are combined to calculate investment
management fees. For Advisory Dealing and
Execution-Only accounts there is a simple flat rate
administration charge.
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In answer to these concerns we have created the
Charles Stanley Inheritance Tax Portfolio Service.
Using a tax relief created by the UK Government
in 2000, our team can help you optimise the
transfer of capital to your beneficiaries. They
do this by constructing a portfolio of qualifying
companies traded on the Alternative Investment
Market that will fall outside your taxable Estate
two years after the date of investment.
Please refer to our brochures, ISA Services and
Investing for Inheritance, for further details.
SELF-INVESTED PERSONAL PENSIONS (SIPPs)
A SIPP is a self-invested personal pension
that provides a tax-efficient way of saving for
retirement. You can make your own investment
decisions, with or without the assistance of a
financial adviser, within the range of investments
permitted by the SIPP administrator.
SIPPs are for many, by virtue of their transparency
and flexibility, an excellent way of managing their
pensions alongside their other holdings as part of
an overall investment strategy. A SIPP gives the tax
advantages you would expect from any pension
plan and the full range of options for taking an
income, including a pension commencement
lump sum which is currently tax free, the open
market option, income withdrawals in the form
of drawdown pension, phased retirement and
flexible drawdown.
As well as administering and managing investment
portfolios for clients holding SIPPs with other
providers, we are pleased to offer investors our
own range of SIPPs. Starting a new SIPP with
us, or transferring your existing arrangement,
is simple.
Where you already have a SIPP with another
provider, we would be happy to assist you in the
administration and management of the underlying
investments. We work with most of the major
SIPP providers in the UK and have a wealth of
experience, both in planning and administering
these schemes.
If you don’t already have a SIPP, but are thinking
of opening one, then your first step must be
to speak to a pensions adviser, who will help
you make the decision on whether a SIPP is
appropriate for you. We have qualified advisers
who are available to help. Alternatively, you may
already have a financial or pensions adviser, with
whom we would be happy to work.
By having the investment portfolio within your
SIPP managed or administered by Charles Stanley,
you can monitor its performance through regular
valuations, sent to you or via our website.
You can then, in consultation with us if you
choose, make adjustments to ensure that your
SIPP continues to fit your aspirations.
THE EBS SIPP – THE ULTIMATE ‘MADE FOR YOU’
ARRANGEMENT
The EBS SIPP will accommodate most types
of investment, from the more classic types of
investment such as commercial property, shares
and gilts through to the more esoteric ones such
as hedge funds and unquoted shares (approved
on a case-by-case basis). Our in-house expertise
means we can make decisions on these
investments quickly.
We believe that as clients age the SIPP should
be able to adapt to meet their changing needs.
Therefore the EBS SIPP can accommodate
changes in contribution rates, ranges and styles
of investment and ever-changing income
requirements.
Please refer to our brochures, The Charles Stanley
Alpha SIPP and The EBS SIPPs & SSASs, for
further details.
SMALL SELF ADMINISTERED SCHEMES (SSASs)*
– PENSIONS FOR COMPANY DIRECTORS
A SSAS is an employer-sponsored occupational
pension scheme, established by the employer
under trust for at least one of its employees.
Because the arrangements are highly complex,
membership is usually limited to company
directors and members of their families. It will
normally have fewer than 12 members, all of whom
are usually appointed as trustees, and can invest in
a wide range of assets – including unquoted shares,
authorised loans to the employer, and the purchase
of commercial property which is then leased back
to the employer.
As well as setting up the SSAS for you, we can also
offer ongoing guidance on its operation, HMRC
rules, property purchase, reporting and compliance
checks, benefit calculations and much more.
Detailed information on our SSASs can be obtained
upon request; please contact us for more details.
*SSASs are not regulated by the Financial Conduct Authority.
We have been involved in SIPPs management
since their introduction in 1990. Charles Stanley’s
own SIPP products, offered through our specialist
pensions arm, are:
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THE CHARLES STANLEY ALPHA SIPP
Designed to enable you to take advantage of the
flexibility of a SIPP, constructing it around the
type of investments you would prefer through
four service options:
DISCRETIONARY DIRECT INVESTMENT
You will be introduced to a Charles Stanley
Investment Manager who will be responsible
for managing your SIPP on a discretionary basis.
Initially, you will agree your objectives with your
Investment Manager who will identify the most
appropriate strategy, taking into account your
attitude to risk. You can then allow your
Investment Manager to take care of making
investment decisions and monitoring holdings
on your behalf. Your Investment Manager will
report regularly to you, with valuations and
portfolio reviews.
DISCRETIONARY COLLECTIVES
PORTFOLIO SERVICE
This service invests your SIPP in actively managed
portfolios of unit trusts, Open Ended Investment
Companies (OEICs) and investment trusts
selected from the entire range of such funds.
The discretionary Collectives Portfolio Service
comprises a selection of investments spread across
four different portfolios and provides you with
half-yearly valuations and reviews. It is tailored
to suit your needs, taking into account your
investment strategy which is determined by
your financial objectives, circumstances and
your attitude to risk. Your SIPP fund is managed
on a discretionary basis by a team dedicated
to monitoring and selecting funds.
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DYNAMIC ASSET ALLOCATION
USING PASSIVE FUNDS
Charles Stanley Pan Asset concentrates on the
important decisions about asset allocation which
most effect long-term returns. It uses low-cost
Exchange Traded Funds (ETFs) and passive funds
which provide the index return for each asset
class. This approach helps to bring down overall
investment costs. Its dynamic process means asset
allocation is constantly monitored to reflect market
conditions and the client’s objectives. Pan Asset
offers either bespoke portfolios or model portfolios
for all types of client, including charities, corporate
bodies and pension schemes. It also offers the lowcost, multi-asset PanDYNAMIC funds which use the
same investment approach.
ADVISORY MANAGED
Your SIPP portfolio will be invested in direct
stocks, shares and collective funds by your
Investment Manager, receiving the same level
of investment management and administration
as under discretionary management, but with
you making the final decision on the individual
purchases and sales.
EXECUTION-ONLY
If you wish to take a more hands-on approach to
your SIPP investments, we can provide you with
telephone and online dealing facilities. Through
your execution-only dealer, our telephone
dealing service, or our online dealing service,
you can access price information and our various
market reports to enable you to make your own
investment decisions.
SPECIALIST SERVICES
In aiming to deliver the highest level of
professional service to investors, Charles
Stanley has, over the years, developed
experienced teams of specialist advisers.
CHARITIES
Our Charity team has earned a reputation over
the years for meeting the investment needs of
charities of all sizes. We hold substantial charity
funds under management. Charles Stanley’s long
experience in the charities sector has also led
to our becoming a member of the Charities Aid
Foundation’s panel of approved advisers.
We aim to provide the highest level of advice
and support to charity trustees; to cut through
the investment jargon and to provide you with
comprehensive service, specific to your charity’s
needs. Our approach to charity investment is to
develop a sensible, pragmatic investment strategy,
at the heart of which is your relationship with
your Investment Manager. As managers of your
portfolio we take a long term view, focusing on high
quality investment opportunities which should also
weather periods of market weakness.
COURT OF PROTECTION
We recognise that some of our clients will have
been through the trauma of a court action and will
need support, reassurance and financial expertise
as they face the prospect of an uncertain future.
We start by working closely with each of our clients
to ensure that we understand his or her special
requirements. Then we construct a strategy shaped
to an individual’s needs to create an environment
where the client can live his or her life without the
burden of financial worry.
At Charles Stanley we have a team with over
20 years’ experience in this field. It has formed
excellent working relationships with the Court,
solicitors and the various offices involved. These
relationships enable the team to follow the correct
procedures and, despite the complications that can
arise, ensure matters flow smoothly and efficiently.
The team has an established track record in
investment management and administration.
It is able to draw on the substantial resources of
Charles Stanley in a wide variety of areas, including
research, pensions and financial planning.
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15
BEYOND STOCKBROKING
AND INVESTMENT
MANAGEMENT
Although we are best known for stockbroking
and investment management, our experience
and expertise cover a much wider range
of investment options.
Our extensive investment capabilities can be
provided to a wide range of clients, including
intermediaries and their clients.
We would be happy to provide you with further
details of the following services.
PERSONAL FINANCIAL PLANNING
To help you expand your financial horizons
beyond pure investment management and
stockbroking, we would be happy to introduce
you to our Financial Planning consultants.
They can assist you in designing your financial
arrangements so as to position yourself for the
life changes we all face at one time or another.
We are authorised, as professional advisers,
to offer you advice on most aspects of your
personal financial affairs. We are able to select
from the entire market place of product providers
in order to meet your requirements. You can
deal directly with one of our Financial Planning
consultants, or alternatively work with them in
conjunction with your Charles Stanley
Investment Manager.
Areas of expertise include:
■■
Inheritance Tax planning
■■
Personal pension planning, including SIPPs
■■
Insurance company investment bonds
■■
Annuity advice
■■
Protection planning
■■
Long-term healthcare planning
■■
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ealth Management - a combination of
W
Financed Planning and Investment Management
CORPORATE BENEFITS & EMPLOYEE
WEALTH MANAGEMENT (CHARLES STANLEY
FINANCIAL SOLUTIONS LIMITED)
This specialist team provides consultancy
advice to employers, trustees and individuals,
giving clients access to a wealth of experience in
this field. Our core values of prudent management,
‘Made for You’ services and an uncompromising
commitment to the client are key features of the
Corporate Benefits team.
In creating working relationships with our clients,
we pay particular attention to their different needs,
whether they are a corporate client, a board of
trustees or an individual. The financial world in
which our clients have to deal on a day to day basis
is both complex and constantly changing.
Each client is different, so our advice is tailored to
help choose the right products and services from
the wide range that is now available. We can advise
on ‘the whole of market’ as we are not tied to a
particular provider.
INTERMEDIARY SERVICES
As well as personal investment provision we
advise and support intermediaries such as legal
practitioners, trusts and pension consultants,
working closely with them on every level to
provide a comprehensive service.
Our online services enable intermediaries to
view, group and download their clients’ account
details, plus they may also receive copies of
client documentation.
PROBATE SERVICES
Our experienced stockbrokers have worked
closely with legal practitioners for many years in
order to understand their needs and develop a
flexible and highly professional probate service.
We take on the task of accurately producing
valuations from either a list of stocks or the
original share certificates. We understand the
issues that can arise from incomplete paperwork,
leading to inaccurate valuations and delays.
Our thorough and personal approach can go a
long way to relieving pressure at a time that is
difficult for clients.
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FURTHER
INFORMATION
This brochure should be read in conjunction
with the appropriate set of Business Terms.
If you would like to know more about any of the
services mentioned in this brochure, you may
also be interested in referring to one of our other
brochures, listed below:
■■
Financial Planning & Wealth Management
■■
Intermediary Services
■■
Execution-Only Services
■■
Investing for Lifetime Support & Care
■■
Charities, Charitable Trusts & Foundations
■■
Junior ISA
■■
ISA Services
■■
Investing for Inheritance
■■
The Charles Stanley Alpha SIPP
■■
The EBS SIPPs & SSASs
■■
■■
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he Personal Investment Service (for
T
Independent Financial Advisers)
T he Collectives Portfolio Service
Please ask your usual contact at Charles Stanley,
who will be happy to provide you with a copy.
Alternatively, you can request copies from
info@charles-stanley.co.uk or download them
from our website, www.charles-stanley.co.uk.
You should be aware that the value of investments
may fall as well as rise and you may not get back
the amount you originally invested.
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20
CONTACT
DETAILS
For more information, please contact us:
LONDON – HEAD OFFICE
Charles Stanley & Co. Limited
25 Luke Street
London EC2A 4AR
0207 739 8200 (Switchboard)
0207 149 6437 (New client enquiries)
OUR OFFICES
Bath
Beverley
Birmingham
Bournemouth
Cambridge
Cardiff
Cirencester
Dorchester
Eastbourne
Edinburgh
Exeter
Guildford
Ipswich
Isle of Wight
Leeds
Leicester
Liverpool
London (Head Office)
Manchester
Newbury
Norwich
Oxford
Plymouth
Reading
Southampton
Southend-on-Sea
Tunbridge Wells
Wimborne
www.charles-stanley.co.uk
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30.01 July 2015
Charles Stanley & Co. Limited, 25 Luke Street, London EC2A 4AR
T 020 7739 8200 F 020 7739 7798 DX 123150 BROADGATE-1
E info@charles-stanley.co.uk www.charles-stanley.co.uk
Authorised and regulated by the Financial Conduct Authority.
Member of the London Stock Exchange.
Charles Stanley & Co. Limited, EBS Management PLC, Alpha
Trustees Limited and Charles Stanley Financial Solutions Limited
are wholly owned subsidiaries of Charles Stanley Group PLC.
© Charles Stanley & Co. Limited
Charles Stanley & Co. Limited is
registered in England No. 1903304
Registered Office:
25 Luke Street, London EC2A 4AR