We simplify all those essential financial decisions
ChooseaStocks&SharesISAfromournewInvestmentCentre.This‘direct offer’pageprovidesarangeofinvestmentoptionsadministeredby AXA,andwhichaim to make it easy for you to decide which fund you may want to invest your ISA in. YourISAwillbeheldonElevate, AXAWealth’sonlineinvestmentplatform. AnElevateStocks&SharesISAoffersthe benefits of:•Fund choice – choose from a wide range of over 3,000 investment funds. •Flexibility–youcanselectmorethanonefundforyourISAandincludefundsfrommorethanonefund company.•Ease of selection –select ready-made solutions from Architas or OBSR portfolio‘s •Lowminimuminvestmentlimits–investbetween£1,000andtheannualmaximumlimit(£10,680forthistax year & £11,280 for the 2012/2013 tax year) as a lump sum, or make a regular payment from £100 per month •Makeadditionalinvestments–youcantopupyourISAinvestmentthroughouttheyear,from£100tothe annual maximum limit.The easy option - our Architas Solution?Our guideprovides a range of investment solutions, built by Architas, an investment company and member of the AXA Group. Their funds provide exposure to a range of different investments and parts of the world. Youcanchooseanactivelymanagedinvestmentstrategy, wherethefundmanageraimstooutperformaspecific investmentbenchmarkindex,orapassivemanaged investmentstrategy,whichattemptstotrackormirrorthe performance of a specific benchmark index.Thefundsaredesignedtocaterfordifferingattitudestoriskthatallowyoutochooseaninvestmentsolutionthat matchesyourriskprofile.Tohelpguideyou,thereareriskprofiledescriptionswhicharegraduatedintermsofthe potential risks and rewards. For a quick description of risk attitudes have a look at our Risk Thermometer.TheArchitasfundsmayprovidediversification,whichininvestmenttermsmeansholdingarangeofinvestmentsin order to limit your dependence on any one asset class or fund manager.Investwith Architasandtakeadvantageofourfantasticoffer.Simplyinvestineligible Architasfundsbetween nowand31stMarchandyoucanreceiveacash-backintoyourElevatecashaccountonanannualbasisaslongas youremaininvested.Thecash-backofferisavailabletoallfundsshownintheguide-includingnewinvestmentand transfers from existing ISA’s and unit trust funds.Benefits long-term •Annual cash-back payment – receive an annual cash-back payment for as long as you remain invested•Flexibility in how you use your cash-back•Along-termcash-backoffer–youcanbenefitfromthiscash-backoffereveryyear,foraslongasyoustay invested in your eligible Architas funds through Elevate•Benefit from the Elevate platform and the investment expertise of Architas•Access to a choice of funds that cater for different levels of riskPlease note the value of investments can fall as well as rise and is not guaranteed.WhychooseourrangeofOBSRportfolios?Ourguideprovidesarangeofinvestmentsolutionschosenbythe expertsatOBSR.OBSRareaninvestmentresearchcompanyintheUKretailfundsmarket.OBSRriskprofiled portfoliosallowyoutochooseaninvestmentsolutionthatmatchesyourriskprofile.Tohelpguideyou,therearerisk profiledescriptionswhicharegraduatedintermsofthepotentialrisksandrewards.Oronceagain,foraquick description of risk attitudes have a look at our Risk ThermometerTheOBSRriskprofiledportfoliosmayprovidediversification,whichininvestmenttermsmeansholdingarangeof investments in order to limit your dependence on any one asset class or fund manager.For information about the charges that apply to your Elevate account, please see our guide.PleaserememberthatthevalueofaStocks&SharesISAcangodownaswellasup,andisnotguaranteed,which meansyoucouldgetbacklessthanyouoriginallyinvested.ISAsareintendedtobeamedium(atleast5years)to longterm(over10years)investment.Taxtreatmentsaresubjecttochangeandwilldependonyourindividual circumstances. HowtoapplyToapply,pleasereadtheimportantinformation.PleasealsoensurethatyoureadourServicesand CostsDisclosureDocument–thiswillexplainourchargesfortheserviceswewillprovide.Youshoulddecidewhich riskprofiledescriptionyouarecomfortablewith,beforeselectingyourinvestmentfundandcompletingtheapplication form.PleasereturnyourformtoTheFinancialGroup,ElmwoodHouse,SidwellPark,Benfleet,SS71LQby30th March,withyourcheque(foralumpsuminvestment)ordirectdebitmandate(foraregularinvestment).Cheques should be made payable to AXA Elevate. Ifyouhaveanyquestionsregardingyourinvestment,orwishtodiscussyourwiderfinancialplans,pleaseemailSteve Bates or Steven Youngs.If you would prefer a paper version of this offer to be posted to you, pleaseclick here.
Simply hover over any of the 7 choices to see a description -
Ultra cautious - You are not prepared to take any investment risk because it is very important thatyour capital is protected. Inflation may reduce the real value of your investment.PLEASE NOTE: The Ultra cautious option is not available in our Stocks & Shares ISA.
Cautious - Because you require some growth potential, you are prepared to move away frominvesting in cash and to accept some investment risk. Typically you are willing to invest in non-cash assets which will include some exposure to equities. You accept that growth prospects are limited and understand your investment can fluctuate in value, meaning you could get back less than you invest.
Cautious balanced - You are prepared to accept investment risk in return for growth potential. Typically you will invest in a wide variety of assets including exposure to equities. This will increase the amount by which your investment can fluctuate in value. You could get back less than you put in.
Balanced - You are looking for a balance of risk and reward with the aim that, in the longerterm, higher returns may result. You are willing to accept that the value of your investment will fall and rise in value and you could get back less than you invest.Typically you will invest in a wide variety of assets.
Adventurous - You are willing to accept a high level of risk on your investment in order to seekhigh growth potential in the longer term. You are prepared to accept that this will increase the risk of large fluctuations in the value of your investment and of losing some or possibly all of your capital. You could get back less than you invest.Typically you will invest in a wide variety of assets.
Aggressive - You accept a very high level of risk on your investment in order to seek veryhigh growth potential in the long term. You are willing to accept sharp day to day fluctuations in the value of your investments and you accept the risk of losing some or all of your capital. You could get back less than you invest.
Very aggressive - This is the highest level of risk in our model. Typically you are an experiencedinvestor with a good understanding of the risk/reward balance and you are willing to accept significant and very sharp fluctuations in the value of your investment. You accept the risk of losing some or all of your capital. You could get back less than you invest.
The8pageapplicationthatyouneedtodownload, complete & return together with your cheque. Click to download.