Our advice will always be confirmed in writing and we will point out specific risks warnings to you in any such communication. However, there are some inherent risks associated with most investments.

It is important to remember that past performance is no guide to future growth, and the value of your investment could fall as well as rise.

You may not necessarily get back the amount you invested.

The levels and bases of, and reliefs from, taxation are subject to change as UK legislation and regulations and the UK tax regime are amended from time to time and any content on this site referring to such legislation, regulations or tax regime should not be relied upon.

The figures on any quotations provided are for illustration purposes only and are not guaranteed.

Where part or your entire contract is in a fund that invests in property, you may not be able to encash your investments whenever you choose, because the land or buildings may not always be easy to sell. During periods when they are not readily saleable the fund managers may refuse to repurchase your units or, if the investment is a life policy, the life office may refuse to accept its surrender. In addition, the value of the land and buildings is generally a matter of a Valuer’s opinion rather than one of fact.