3. Experienced investors can trust our traditional
stockbroking advice. Those new to investment
can guarantee trusted advice explained simply.
A FOCUSED AND
INDIVIDUAL SERVICE
Established in 2004, our aim is to offer simple
and traditional stock market advice. We do
this by combining expert analysis with your
investment objectives – be it planning for your
children’s financial future or safeguarding your
own retirement plans – to create a balanced
share portfolio that works for you.
New investors are given trusted advice, explained
simply. Experienced investors gain a stock market
partner who is working on their side, to act as a
trusted sounding board.
We are truly independent – which means
we have no ties to any products or providers.
It’s simply a case of tailoring our advice to your
needs, whatever your level of experience.
Our Status
SI Capital is Authorised and Regulated by the
Financial Conduct Authority and a member
firm of the London Stock Exchange.
Our Culture
We believe that creating the right culture starts
with employing the right people. Most of our
team have been with us for ten years or more,
which enables us to build long-lasting trust-based
relationships with our customers.
Based in the heart of Surrey with vast city expertise and experience, SI Capital is
a leading professional and approachable team of investment advisors.
5. Ours is a relationship you can trust and, as an established
SI Capital customer, we will build an understanding of your
unique objectives and tailor our advice accordingly.
TRADITIONAL. TAILORED.
TRUSTWORTHY.
We’re approachable and we believe in human, not
automated relationships. There are no call centres
or scripts, just warm and friendly advisors happy
to help on the phone or in person, whenever you
need them.
Ours is a relationship you can trust and, as an
established SI Capital customer, we will build
an understanding of your unique objectives
and tailor our advice accordingly – after all, we
understand that your own circumstances, as well
as the stock market, may change. We react to
changing circumstances to keep your portfolio as
healthy as possible, and help you become more
knowledgeable about the market you’re investing
in, in the process.
At SI Capital, we take a traditional approach to investment. Our services are
completely bespoke, whether you’re an experienced or a new investor looking
for advice, or a family, company or trustee looking for help when it comes
to making decisions about what to invest, where, and how to do so.
7. TOTAL TRANSPARENCY,
GREATER PEACE OF MIND
You will be able to access your funds
within 48 hours. No ties, no lock-in
periods, just total peace of mind.
You will receive a statement bi-annually, plus a tax
year-end statement that includes a consolidated
tax voucher for every trade. Dividends can be
retained on share accounts, or paid quarterly,
whatever suits you.
Your funds are always liquid, too; we don’t put
your money into funds, trusts or products that
require notice. You will be able to access your
funds within 48 hours. No ties, no lock-in periods,
just total peace of mind.
We feel it is important to provide you with one dedicated point of contact.
Therefore, once you have opened an account, you will be assigned a senior
advisor from our Investment Team who will be available whenever you need
them. They will help you build your portfolio according to your specific
objectives, and you will also have 24/7 online access to your portfolios.
9. ISAs
SAVING STARTS HERE
Long-term, an ISA could be a great way
to put aside school fees, pay off the mortgage
or contribute towards your pension. But short-
term, if you transfer your existing ISA to SI Capital
or open a brand-new ISA with us – you have
the opportunity to benefit from our advice
and research.
Our aim is to help you be smarter with your ISA
and save for a greater purpose. So what are you
waiting for?
What is an ISA?
• An ISA (Individual Savings Account)
is a tax-free way to save or invest.
• The interest on a cash ISA is free from tax,
which means you keep any interest you earn.
• Each tax year starts on 6 April and you get a
new ISA allowance. For the tax year 2016/17,
the ISA allowance is £15,240 for cash, Stocks
& Shares and Innovative Finance ISAs, and
£4,080 for Junior ISAs.
• Cash ISAs have similar features to savings
accounts, but the interest you earn is tax-free.
You’re allowed to save up to your annual
ISA allowance.
• You can put your Stocks & Shares ISA
allowance into a range of investments.
Any gains you make are tax efficient.
Create a flexible tax-free future by setting up or transferring your ISA
to SI Capital.
What’s not to like about an ISA (Individual Savings Account)? With a tax-free
allowance of £15,240 until April 6th 2017. ISA’s offer the flexibility and security
to save in a way that suits you.
11. PROTECT YOUR ESTATE
Using a tax relief created by the UK Government in 2000,
SI Capital can help you optimise the transfer of part of
your Estate to your beneficiaries by investing in qualifying
shares. Our team will do this by investing your money in
companies listed on the Alternative Investment Market
(AIM) – the London Stock Exchange’s international market
for small, growing companies. This money, and any growth
achieved by it, will fall outside of your taxable Estate two
years after the date of investment. Importantly:
• the shares remain in your name
• you can access your portfolio within 48 hours.
This money, and any growth achieved by it,
will fall outside of your taxable Estate two
years after the date of investment.
Inheritance need not be too taxing if you
invest in the stock market
Inheritance Tax (IHT). Two words sure to
strike fear into the heart of anybody who has
worked all their life to leave a financial legacy,
only to face the prospect of their loved ones
losing a significant amount before they can
access their inheritance.
13. SIPPs
RETIRE WITH CONFIDENCE
If you have an existing pension, SI Capital’s
advisory service can help you invest the money
you’ve saved more effectively. You’ve worked
tirelessly to prepare for your future, so let us give
you the advice you need to help you invest your
money more wisely, for greater benefits.
Make you savings work harder
A pension is one of the most tax-efficient ways of saving for retirement. Like
all pensions, a SIPP (Self Invested Personal Pension) offers up to 45% tax relief
on contributions and there is no UK capital gains tax or UK income tax to pay.
The tax benefits will depend on your individual circumstances and tax rules are
subject to change by the government.
Execution-only dealing
Our traditional ‘relationship-based’ stockbroking
service includes swift execution of orders, market
sentiment and continued phone correspondence
as we look to improve the quoted price and help
you make the right decision.
15. GETTING STARTED IS AS EASY
1, 2, 3
NICE TO MEET YOU
SIGN HERE PLEASE…
ON BOARDING
This is our opportunity to get to know you, and you us! From the
first meeting, we appoint a dedicated account manager to listen and
understand your situation and objectives. This is your opportunity to
outline any short, medium and longer-term aspirations. We make no
assumptions and there are no obligations.
We make the paperwork process quick and easy for you (see page 17
‘Documentation’). We help you fill out our application form, including
the required terms of business and risk warnings that need to be signed.
At this stage, you will have an account set up in your name
with instant and direct online access to live valuations and
statements. We’ll introduce you to your dedicated investment
advisor and provide you with a welcome pack, which you can
read at your leisure.
The process of opening an account couldn’t be easier…
16. 16
We also handle all the paperwork on your
behalf so you don’t have to, on your instruction,
of course, and deal with all the arrangements
for settling purchases and sales.
17. Documentation
You will need to provide us with:
• a copy of your current passport or
photo I.D
• proof of address – utility bill (gas,
electricity, council tax, water or phone)
• an original bank statement (less than
6 months old).
Secured. Protected. Safeguarded.
SI Capital is Authorised and Regulated by
The Financial Conduct Authority.
Your assets are carefully segregated and
ring-fenced from the assets of SI Capital Ltd
by our Clearing Broker.
As a retail client of an authorised firm, your
investments fall under the protection of the
Financial Services Compensation Scheme.
Nominee Accounts: Simple, Secure
and Efficient
These are three words we all want to hear
when it comes to financial matters.
• Our Nominee Account comes with the
benefit of prompt settlement, which
means you can earn interest from sale
proceeds at the earliest possible moment.
• We hold your securities for you in the
name of our nominee company in CREST,
or with our overseas custodian for your
overseas investments.
• You remain the beneficial owner of your
investments, which are fully ring-fenced.
We handle all paperwork on your behalf
so that you don’t have to, on your
instruction, of course, and deal with all
the arrangements for settling purchases
and sales.
ADDITIONAL
INFORMATION
18. THE RISKS
We recommend that any potential investor
seeks independent tax and financial advice
before committing.
You should only invest if you have carefully
considered whether you can afford it, and
whether it is right for you.
Unfortunately, all equity investments carry some
form of risk. Share prices can fluctuate, which
means you might not get back any money you
invested. Sadly, past performance is not always
a tangible barometer for future performance.
There are no guarantees.
If trading in AIM or small company shares, there
can be a discrepancy between the buying
and selling prices. If the shares have to be sold
immediately, you may receive much less than you
paid for them. Prices can change quickly, and in
both directions.
Margined products, such as Contract for
Difference (CFDs), can be subject to greater risk.
The effect of ‘Leverage’ or ‘Gearing’ means that
relatively large positions can be controlled using a
comparatively small initial deposit. Subsequently,
both gains and losses can be significantly
magnified to the extent that you could lose
more than your initial deposit in a very short
period of time.
Current tax treatment may not continue and will
depend on your personal circumstances.
INVESTING IS NOT
FOR EVERYONE...
You should only invest if you have carefully considered
whether you can afford it, and whether it is right for you.
18
19.
20. WE LOOK FORWARD TO MEETING YOU
For further information about anything you have read in this
Investment Services Guide, to enquire about opening an account
or any other information on our products and services, please contact
a member of our team on:
01483 413500, or email info@sicapital.co.uk
46 Bridge Street,
Godalming,
Surrey, GU7 1HL
Authorised and Regulated by the Financial Conduct Authority, reference 230687. Member Firm of The London Stock Exchange.
Registered Office: 19 Berkley Street, London, W1J 8ED. Registered Number: 4870280. Registered in England.
