It is important that you are not only fully aware of the advantages of the recommendations we are making but also of the potential disadvantages.
As this has been an online set of questions that are restricted in their nature only you will have the fullest appreciation of your feelings in relation to these areas. You must, therefore carefully consider all the aspects of the recommendations, together with the potential drawbacks.
We would like to draw your attention to the following risk warnings:
• Our advice and recommendations are based on our understanding of current law and taxation, which may be subject to change in the future.
• Where given, past performance should not be seen as an indication of future performance, and any investment returns may be less than those shown in the illustration provided.
• The value of investments can, especially over the short term, go down as well as up,
and you may get back less than you invest.
• Any illustrations referred to have been used as brand examples & are not guaranteed and may fluctuate.
• There is no guarantee that the comparisons made between products, as charged now, will remain accurate in the future. Charging structures can and do change; additionally, different options may be available in the future.
• There is no guarantee the investment strategy being indicated will outperform the current strategy. It is possible that our recommended strategy may underperform compared to the current approach.
• Funds invested wholly or partly outside the UK may be affected by exchange rate fluctuations. Additionally, where an investment is made in emerging markets, their potential volatility may increase the risk to the value of the investment.
• Eventual benefits from your pension may be lower than expected for a number of reasons:
- Taking benefits earlier than the chosen retirement age
- Contributions are lower than expected
- Investment growth is lower than expected
- Annuity levels are lower at the chosen retirement age than they are now
- Charges increase
- Tax rules change
This report is for informational purposes only and should not be considered as an offer or solicitation to buy or sell securities or financial products.
Any opinions, estimates, or forecasts contained in this report represent the author’s views at the time of publication and are subject to change without notice.
This report does not consider your individual investment objectives, financial situation, or needs, and you should seek professional advice before making any investment decisions.
SIFA primarily works with a network of highly regulated and qualified Financial Planners worldwide who carry the requisite licences to operate in their chosen jurisdictions. We are also regulated in Europe and globally via the two licences set out below.
Worldwide:
SIFA is a trading style of inPontem Ltd: offers Investment Advice and Insurance brokerage services to applicable jurisdictions via Financial Services Network Ltd, regulated by the Mauritius Financial Services Commission License No. C116016070.
Disclaimer: This Website is for information purposes only and should not be regarded as an invitation or inducement to engage in financial services, the information contained on this Website is not intended to be an offer to buy or sell securities. We give no representation, warranty, or guarantee as to the accuracy, correctness, or completeness of such information or as to the tax or legal consequences of any related transaction.
Risk Warning: Any investment in financial instruments entails substantial risks, the degree of which depends on the nature of each investment and may not be suitable for all investors. The value of any investment may increase or decrease in value and investors may lose all their invested capital.
For Europe:
inPontem Ltd, offers Insurance Brokerage services to applicable jurisdictions via NFS Insurance Advisors, Agents and Sub Agents Ltd, which is regulated by the Insurance Companies Control Service (ICCS), Licence No. 5689 and is authorised to introduce business to NFS Network Financial Services Ltd, which is regulated and authorised under MiFID by the Cyprus Securities & Exchange Commission, Licence No. 328/17