Please read this page before proceeding, as it explains certain legal and regulatory restrictions applicable to the distribution of this information. It is your responsibility to inform yourselves of and to observe all applicable laws and regulations of the relevant jurisdiction.
The information provided in this site is directed at UK investors only. It does not constitute an offer to sell, or solicit an offer to purchase any investments by anyone in any jurisdiction in which such offer or solicitation is not authorised or in which a member of the Rathbones Group is not authorised to do so.
The information contained on this site is believed to be accurate at the date of publication but no warranty of accuracy is given and the information is subject to change without notice. Any opinions or estimates included herein constitute a judgement as of the date of publication and are subject to change without notice. Furthermore, no responsibility is accepted for the accuracy of any information contained within sites provided by third parties that may have links to or from our pages.
Persons within the Rathbone Group who do not carry out investment business in the UK are not subject to the provisions of the UK Financial Services and Markets Act 2000. Accordingly, investors entering into investment agreements with such companies will not have the protections afforded by that Act or the rules and regulations made under it including the UK Financial Services Compensation Scheme.
Rathbone Investment Management Limited, Rathbone Stockbrokers Limited and Rathbone Unit Trust Management Limited are participants in the UK Financial Services Compensation Scheme (which provides a measure of protection where an investment firm is unable to meet its obligations to its client to an amount of 100% of the first £30,000 (or currency equivalent) and 90% of the next £20,000 (or currency equivalent) so the maximum compensation is £48,000). More information about this scheme and on your eligibility to benefit from the protection provided by the scheme is available on request or from the Financial Services Compensation Scheme. Separate levels of protection apply to bank deposits as well as to general and life insurance contracts, regulated mortgage business and insurance mediation activity.
As a bank, Rathbone Investment Management Limited also belongs to the UK Financial Services Compensation Scheme which provides a measure of protection for depositors in the event of the failure of any bank covered by the Scheme. Most deposits in sterling or other European Economic Area (EEA) currencies and in euros made with banks with offices in the UK or in an EEA state are covered. Such deposits (plus accrued interest) are protected up to an amount of 100% of the first £2,000 (or currency equivalent) and 90% of the next £33,000 (or currency equivalent). More information about this scheme and on your eligibility to benefit from the protection provided by the scheme is available on request or from the Financial Services Compensation Scheme.
The information contained in this website (including research) does not constitute a distribution, an offer to sell or the solicitation of an offer to buy any securities or products in any jurisdiction in which such an offer or invitation is not authorised and/or would be contrary to local law or regulation. Not all services described are investments regulated by the Financial Services Authority under the Financial Services and Markets Act 2000. Applications to invest in any product referred to on this site must only be made on the basis of the offer document relating to the specific investment.
In particular, the information herein is not for distribution and does not constitute an offer to sell or the solicitation of any offer to buy any securities in France and the United States of America to or for the benefit of United States persons (being resident in the United States of America or partnerships or corporations organised under the laws of the United States of America or any state, territory or possession thereof).
This information is currently being made available free of charge and a charge for the service may be made at a later date by notice to the website. By proceeding you agree to the exclusion of any liability in respect of any errors or omissions contained in it. No liability is accepted by any person within the Rathbone Group whether in the UK or overseas, for any losses or damage arising from the use or reliance on the information contained herein including, without limitation, any loss of profit, or any other damage direct or consequential.
The value of investments and the income from them may go down as well as up and you may not recoup your original investment. Past performance should not be seen as an indication of future performance.Past performance information contained on this site may not be current and you should refer to the relevant offer document for up-to-date past performance information. Rates of exchange may cause the value of investments to go up or down.
The levels and bases of, and reliefs from, taxation may change in the future. Specifically, the current tax treatment of Venture Capital Trusts, EISs, ISAs, PEPs and SIPPs may change under future legislation.
Any of the Rathbone Group companies, affiliates, their directors, representatives and employees may or may not have positions in any securities mentioned herein. You should note that in respect of some designated investments referred to on this site, one or more entities in the Rathbone Group (1) may have a position or holding in the investment concerned or in a related investment; or (2) may have a material interest in any investment concerned; or (3) may be providing, or may have provided within the previous 12 months, significant advice or investment services in relation to the investment concerned or a related investment.
The information contained on this site may refer to securities which use or may use gearing. For such securities which (a) are either listed in the UK under the listing rules LR15 or issued by an investment trust and listed in an EEA state other than the UK; and (b) are issued by an issuer that either uses or proposes to use gearing as an investment strategy or invests or proposes to invest in securities where the issuer of such securities uses or proposes to use gearing as an investment strategy; and (c) are likely to be subject to fluctuations in value which are significant compared with the likely fluctuations in value of the underlying investments, you should be aware that the strategy which the issuer of such securities uses or proposes to use may result in (1) movements in the price of the securities being more volatile than the movements in the price of underlying investments; (2) the investment being subject to sudden and large falls in value; and (3) you getting back nothing at all if there is a sufficiently large fall in value in the investment, you should be aware of the following in relation to Structures Capital at risk products; (a) the return of initial capital invested at the end of the investment period is not guaranteed and you may therefore get back less than what was originally invested; (b) the amount of initial capital repaid may be geared, which means that a small percentage fall in a larger reduction in the amount that is paid out; (c) any maximum benefit being advertised may only be available after a set period; (d) redeeming a product early may result in redemption penalties and a poor return; (e) the initial capital invested may be placed into high risk investments, such as non-investment grade bonds; (f) the rate of income or growth advertised may depend on specific conditions being met; (g) you should not enter into the transaction unless you are prepared to lose some o all of the money to be invested; (h) if you are unsure whether a structures capital-at-risk product is suitable for you, in light of your circumstances and financial position, you should seek professional advice.
The investments or investment services referred to in this website may not be suitable for all investors. We accept nor responsibility for the assessment of the suitability, affordability or tax efficiency of our services for your particular circumstances. Therefore, if you are in doubt about the information contained herein please consult your stock broker, solicitor, accountant, bank manager, tax or other professional adviser.
Any personal information you may provide to us in response to this site may be retained to fulfil our legal and regulatory requirements, and to provide you with the products and/or services you have requested; such information will be subject to confidentiality requirements imposed on our employees.
Certain investment services carry a right of cancellation within 14 days under the FSA rules. Upon cancellation you may not recover your investment in full, if the investment has fallen since the investment was acquired.
In order to comply with money laundering and other regulations, additional documentation for identification purposes will be required should you wish to make an investment. We reserve the rightin our absolute discretion to decline the provision of any services to you in the event that you fail to provide such documentation.
Rathbone Group shall have no liability for any data transmission errors such as data loss, damage or alteration of any kind including, but not limited to, any direct, indirect or consequential damage arising out of the use of services provided or referred to in this website.
References to independent in this Website should be interpreted in relation to the ownership of Rathbone Brothers Plc and not in connection with advice on packaged products. You should be aware that where Rathbone Investment Management Limited act on a Whole of Market basis when advising on units in regulated collective investment schemes and other Non-Life package products. You will remunerate us on a fee plus commission and we will retain any commission other than initial commission received by us in relation to non-life Packaged Products.
Rathbone Investment Management Limited is authorised and regulated by the Financial Services Authority (FSA). The FSA regulations are being updated such that all electronic communications between a financial services company and its clients are recorded and stored for a minimum period of six months. This encompasses telephone calls and we may record all calls from 1 December 2008.
Rathbone Stockbrokers Limited is a member of the London Stock Exchange, a member of PLUS Markets and is authorised and regulated by the Financial Services Authority.
Rathbone Trust Company Limited provides Taxation Services and Trust & Company Management. Rathbone Trust Company Limited and the services it provides are not authorised and regulated by the Financial Services Authority.
Rathbone Trust Company Jersey Limited and Rathbone Investment Management (C.I.) Limited are regulated by the Jersey Financial Services Commission. Rathbone Trust Company SA is a financial intermediary under Swiss Law. For money laundering purposes it is registered with the Association of Financial Intermediaries in Suisse Romande – ARIF. Rathbone Trust Company (BVI) Limited, Rathbone Trustees Limited, Rathbone Management Services Limited, Rathbone Secretaries Limited, Rathbone Bank (BVI) Limited and Rathbone Fund Services Limited are regulated by the BVI Financial Services Commission. These Companies are not authorised and regulated by the Financial Services Authority.
Rathbone Investment Management Limited is authorised and regulated by the Financial Services Authority. Registered office Port of Liverpool Building, Pier Head, Liverpool, L3 1NW, Registered in England No. 1448919
Rathbone Pension & Advisory Services Limited (Registered in England No. 5679426) is authorised and regulated by the Financial Services Authority.
Rathbone Pension & Advisory Services (Trustees) Limited (Registered in England No. 5679427) and the services it provides is neither authorised nor regulated by the Financial Services Authority. Registered Office: 159 New Bond Street, London W1S 2UD. VAT Registration No. GB 241 6893 49.
Rathbone Unit Trust Management Limited
This site is designed for UK tax residents only and the funds listed may not be suitable for non-UK tax-resident investors. Applications to invest in any product referred to on this site must only be made on the basis of the Key Features Documentation relating to the specific investment. You should note:
- Past performance should not be seen as an indication of future performance.
- The value of investments and the income from them can fall as well as rise and you may not get back the amount originally invested, particularly if you do not continue with the investment over the longer term.
- For the Rathbone Income Fund, Rathbone Income and Growth Fund and Rathbone Ethical Bond Fund the annual management fee is currently charged to the capital of the fund. This may accordingly restrict capital growth.
- Changes in the rate of exchange between currencies may cause the value of an investment to go up or down.
- Interest rate fluctuations are likely to affect the capital value of investments within Bond Funds. When long term interest rates rise the capital value of units is likely to fall and vice versa. The effect will be more apparent on funds that invest significantly in long dated securities. The value of capital and income will fluctuate as interest rates and credit ratings of the issuing companies change.
- Tax levels and reliefs are those currently applicable and may change and the value of any tax advantage will depend on individual circumstances.
- Investing in emerging markets or small companies may be potentially volatile, as these investments are high risk.
Rathbone Unit Trust Management Limited does not offer investment advice. If you have any doubt whether these products are suitable for you and you wish to obtain personal advice, please contact an independent financial adviser.
Performance data is sourced from Standard & Poor's Micropal on an offer to offer basis, except where otherwise stated.
Unit trusts sold on a distance basis without the provision of advice do not carry a right of cancellation under the FSA rules.
Rathbone Unit Trust Management Limited is authorised and regulated by the Financial Services Authority and is a member of the IMA. Registered Office 159 New Bond Street, London W1S 2UD. Registered in England No 2376568.
The design, text and images are owned, except as expressly stated by members of the Rathbones Group. They may not be copied, transmitted, displayed, performed, distributed, licensed, altered, framed, stored or otherwise used in whole or in part or in any manner without the written consent of Rathbones except to the extent permitted and under the procedures specified in the copyright Designs and Patents Act 1988, as amended and then only with notices of Rathbones' rights.
