If you have an existing ISA (Individual Savings Account), PEP (personal equity plan), OEIC (open ended investment) or a unit trust you will benefit from joining our cash back loyalty service. The service is free and there is no need to alter the investments you already hold.

No joining or processing fee Cash back on your existing investments ISA's, PEP's, OEICS & Unit trusts

Our loyalty cash back service
Our loyalty cash back service is designed for any investor who makes his or her own investment decisions and who does not require any advice. Our loyalty cash back service is free and provides you with a cash back payment of 50% of any ongoing fund based renewal commission that your investments pay. Fund based commission is paid on most ISA’s, PEP’s, OEICS and unit trusts. Request a cash back application pack.

How it works
When you make an investment either directly or through a broker or financial adviser most fund managers pay a trail or fund based renewal commission of up to 0.5% of the value of your investment each year.

This fund based renewal commission is paid by the investment manager out of the total charges applied to your fund and is paid for on an ongoing basis for as long as the investment exists.

Even if you invest directly with the fund manager, by passing a broker or financial adviser, the total fund charge is still the same; the investment manager simply retains all of the charge and makes more profit.

We simply collect any fund based renewal commission from the investment managers and distribute this to you on the 31st January each year for monies collected in the previous calendar year. We will provide you with a statement of fund based commissions received and give you 50% of the total collected.

Investments you can include
If your existing investment pays a fund based renewal commission it can be included in our loyalty cash back service. Typically this will include ISA's, PEP's, Unit Trusts and certain investment bond funds including; distribution bonds, with profit bonds and property bonds.

How to join
The service is free and there is no need to alter your existing investments to benefit from the service. You determine how your investments are included in the service, and how you want to manage your investments. You can include regular monthly savings plans as well as lump sum investments.

Consolidation
If you want to consolidate your investments into our fund supermarket we will arrange for your existing investments to be transferred using our re registration service. This is a simple no cost process using industry standard stock transfer. If your funds cannot be re registered we will give you the option of a full transfer (this involves the sale & repurchase of funds) or completing an agency transfer. Visit our fund supermarket page for full details of the benefits of consolidating your existing investments in our fund supermarket.

Agency transfer
If we can cannot re register your investments within our fund supermarket or if you prefer to continue to deal directly with the investment manager we give you the option of completing an agency transfer. Agency transfer does not affect the status of your investments nor does it affect the performance of your investments, completing an agency transfer will simply redirect any commissions paid by the investment manager to us.

No investment advice
Using our loyalty cash back service means you will not receive on going advice on your investments. You will need to make your own decisions about how to manage your investments. If you require advice on your investments with an individual recommendation, our private client IFA team provide fee based independent investment advice.

No ongoing service
To provide you with the best possible discounts we will not provide you with any on going service on your investments. Although we will be registered as the servicing agent we are NOT acting as your financial advisers. You will need to deal directly with the investment manager or use the online facilities available in our fund supermarket for any future administration issues.

Discount direct service
Any new investments would also be eligible for our discount direct service. Our discount direct service removes or reduces the initial charge for all new ISA, unit trust and investment bond investments. Please visit our document centre for details of our discount direct service.

Additional cash back products
Our cash back loyalty service is also available for investment bonds and other managed portfolios. If you are unsure if your plan or portfolio qualifies please call one of our advisers with full details and we will see if we can include it in our cash back loyalty service.

To request your loyalty cash back pack
Complete our online loyalty cash back enquiry form or call one of our specialist investment advisers to request your cash back application pack. As an internet based firm of independent financial advisers we provide advice over the telephone, via email and through the post. Dealing with you in this way allows us to discount our commissions to provide you with the very best discounted investments.

Help & advice
There are many different options to consider when choosing an investment and it makes sense to take advice from a qualified specialist who is independent and can offer you products and services from the whole of the market place. Please call one of our independent advisers or contact us to discuss the different options available to you and to request your investment quote.