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M&G Investments - Welcome Brochure

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M&G Investments - Welcome Brochure

  1. 1. Investing with M&G This document contains important information, so please keep it in a safe place. Making the most of your M&G investment
  2. 2. Your information pack Thank you for investing with M&G. This brochure contains information about your investment, the documentation enclosed with this brochure and details on the high standard of service and support you will receive from us. Please keep all this documentation in a safe place. Below is a summary of the different documents you will have received accompanying this brochure. Investment acknowledgement Your Direct Debit details – if this applies to you Your acknowledgement confirms the details of your new M&G investment. Please ensure that all the information is correct. If it is not, please call our Customer Relations team free of charge on 0800 390 390, from 8.00am to 6.00pm Monday to Friday, and 9.00am to 1.00pm Saturday. • Fund information – This shows the fund(s) which is/are due to receive your regular payment(s) and the amount to be invested Page 1: Your investment summary • Your name and address • Your M&G client reference – When you contact us we will need your M&G client reference. This can be found on the right-hand side of your investment summary. Failure to provide this will affect your ability to transact with us • Investment details – The rest of this page confirms the details of your investment and will vary according to the type of investment (M&G ISA, M&G Junior ISA, M&G OEIC or M&G Savings Plan) and the payment received (lump sum and/or Direct Debit) or the final settlement you are due to pay (including the date this is due) Page 2: Details of your investment Lump sum – if this applies to you • Transaction date – This shows the date your money was invested • Transaction description – This shows the fund(s) you have invested in and the type of transaction you have made • Shares – This tells you how many shares were purchased in the transaction • Share price – This shows the price at which your shares were bought • Amount (£) – This shows the lump sum amount you have invested, even if you have yet to settle • Bank/Building society details – This shows the account details for your Direct Debit payment M&G Registration Document If you have invested in an M&G OEIC over the telephone, you will also have received the M&G Registration Document with this pack. This form is used to confirm all the named holders you wish to be registered on this account and to verify your signature. Please complete, sign and return this form to us in the reply-paid envelope provided, along with a settlement cheque made payable to M&G Securities Limited if required. Please note that if you are investing on behalf of a child or grandchild, then you can ‘designate’ the account using the child’s initials (for example) but not a complete name. Reply-paid envelope Please use this to contact us in writing and/or send your settlement cheque and M&G Registration Document (if applicable). If you have any questions about your investment with M&G, please do not hesitate to contact our Customer Relations team on 0800 390 390. For M&G Junior ISAs If you are the Registered Contact for an M&G Junior ISA investment, you will have received the above documentation on behalf of the child. Please note that M&G Junior ISA Registered Contacts cannot use ‘My Account’ at this time. Where ‘My Account’ is referenced throughout this brochure, please contact our Customer Relations team to find out how you can complete the transaction for an M&G Junior ISA holding. Making the most of your M&G investment 3
  3. 3. Keeping you in the picture Access your account 24 hours a day, seven days a week If you haven’t already done so you can now register for our secure online ‘My Account’ service by visiting www.mandg.co.uk/myaccount Then, whenever it is most convenient, you can: • keep track of your fund’s performance and view the daily prices of all your M&G investments using our online valuation service 24 hours a day, 365 days a year. • invest in or top up an ISA, OEIC or Savings Plan investment, or even switch between M&G funds. • access ‘My Portfolio’ – a tool which enables you to track the value of all your investments in one place, be they with M&G, other fund providers or even direct share holdings. M&G Customer Relations At M&G we aim to make investing as straightforward as possible. Should you have any questions, please call our Customer Relations team on 0800 390 390. Our lines are open from 8.00am to 6.00pm Monday to Friday, and 9.00am to 1.00pm Saturday and calls are free of charge. Alternatively, contact your financial adviser. For your security and to improve the quality of our service, we may record and monitor telephone calls. Please quote your M&G client reference (shown on your investment acknowledgement) whenever you contact us about your investment. Failure to provide this will affect your ability to transact with us. Regular updates ISA, OEIC and Savings Plan statements are prepared semi-annually as at 5 April and 5 October. Your statement will include any transactions that have taken place on your account over the previous six-month period. If you are the Registered Contact for an M&G Junior ISA investment, you will receive regular statements that will include any transactions that have taken place on the account over the relevant time period. For OEIC and Savings Plan investments, we will send you fund reports every six months. We will also send you Consolidated Tax Vouchers on an annual basis with your 5 April statement. For more information on this, or to find out the value of your investment at any given time, call our Customer Relations team on 0800 390 390. Prices of all M&G’s funds are available on our website at www.mandg.co.uk/prices 4 Making the most of your M&G investment Review the M&G  fund range and top up your investment online at your convenience. To find out more, visit: www.mandg.co.uk
  4. 4. Adjusting your M&G investment One of the greatest advantages of investing with M&G is the flexibility. Your investment can simply be adjusted to suit your changing needs. You can... …add to your investment You can add to your investment at any time by making additional lump sum payments. Please visit our website at www.mandg.co.uk/invest or call our Investment Helpline free of charge on 0800 389 8600. …adjust your regular payments If you are already investing by Direct Debit you can increase your regular payment at any time by visiting our website at www.mandg.co.uk/invest or writing to our Customer Relations team at the address on the back cover. …choose to reinvest or receive an income If you have purchased accumulation shares, any income due to you from your investment will be automatically reinvested, enhancing the value of your shares. If you have purchased income shares then, depending on the product you have invested in, you may have a choice between reinvesting any income by purchasing additional shares or all income being paid to you. The table below shows which options are available within each product: Accumulation OEIC …move between M&G funds The M&G Savings Plan At M&G we have a wide range of funds to choose from, no matter what your individual investment objectives may be. Our many funds include income, growth or a combination of both, offering a choice to suit most investors. The M&G ISA You can switch all or part of your investment between M&G funds and, if you are switching within The M&G ISA or The M&G Junior ISA, you can do so without losing tax benefits. You can switch between funds easily via our website at www.mandg.co.uk/switch or by calling our Investment Helpline. There may be a charge, so please call our Customer Relations team to check and/or to request information on switching between funds. Please note that it is not possible to switch into the M&G High Income Investment Trust. The M&G Junior ISA Income reinvested Income paid out ü ü û û ü û ü ü ü û ü û Please remember that prices may fluctuate and you may not get back your original investment. If you require any further information please: • email us at info@mandg.co.uk • call our Investment Helpline on 0800 389 8600 Please ensure you have seen an up-to-date Key Investor Information Document (KIID) for the fund(s) you wish to invest in, as well as the current Important Information for Investors document. If you are having trouble finding the right fund for you, our online Fund Finder tool provides you with an easy way to identify the MG fund, or funds, most suitable to your investment needs. To find the right fund for your investment needs visit www.mandg.co.uk/fundfinder Making the most of your MG investment 5
  5. 5. MG investment products and services At MG we understand that people have different needs from their investments. Transferring your stocks and shares and cash ISAs to MG We have a wide range of products and services to suit a variety of investment needs. Whether it’s a tax-efficient ISA, a regular savings plan or lump sum investment for children or for retirement, we have the product for you. You can also transfer ISAs held elsewhere to MG. They can be transferred in their entirety, or in part, to any MG fund that best suits your current investment needs. Visit www.mandg.co.uk/investments to find out more about our different investment vehicles and how you can tailor them to suit your requirements. The MG ISA One of the greatest advantages of investing through The MG ISA is that it provides a flexible, tax-efficient investment. It is easy to top up your ISA with a lump sum or adjust your regular payments to your ISA; just visit our website any time at www.mandg.co.uk/info or call our Investment Helpline on 0800 389 8600, from 8.00am to 6.00pm, Monday to Friday, and 9.00am to 1.00pm on Saturday. Please remember that prices may fluctuate and you may not get back your original investment. ISA tax rules may change in the future and ISA tax advantages depend on your individual circumstances. We are unable to give you financial advice. If you are unsure about the suitability of your investment, speak to your financial adviser. ISA subscription limits The maximum that can be invested in an ISA is currently £11,520 in any one tax year (6 April – 5 April). This can comprise up to £5,760 in a cash ISA, with the remainder in a stocks and shares ISA, or the full amount in a stocks and shares ISA. MG offers the stocks and shares ISA only. 6 Making the most of your MG investment You may be unhappy with the performance from another provider, or would prefer to get all your investments together under one roof. Perhaps your personal investment objectives have changed since you first invested? Whatever your reasons, when you transfer your ISAs to MG they will retain their tax-efficient status, and will not affect your ISA allowance for the current tax year. We will contact your existing provider on your behalf, and we won’t charge you a penny to transfer. Visit www.mandg.co.uk/transfer for more information or to download the relevant form, Key Investor Information Documents and Important Information for Investors document, or call our Customer Relations team on 0800 389 8600. Please note that your current provider may apply a charge when you transfer your investment, and that while your investment is being transferred, it is out of the market for a short period of time and will not lose or gain value.
  6. 6. The MG Junior ISA Whether you are a parent, grandparent, godparent or friend, one of the best ongoing presents that you can give to the children in your life is to invest some money for them that can be left untouched until they are adults. Our recently launched MG Junior ISA is a taxefficient vehicle for use when investing on behalf of a child, either in a lump sum or regular instalments of £10 or more. The allowance per child will be £3,720 each tax year, and is available to all UK resident children who do not have a Child Trust Fund (CTF) account. Like The MG ISA, The MG Junior ISA can hold bonds, equities, cash and even property shares, giving you even more flexibility over the future of your children’s long-term savings. Junior ISA tax rules may change in the future and Junior ISA tax advantages depend on individual circumstances. Visit www.mandg.co.uk/junior to find out more about The MG Junior ISA. The MG Savings Plan We know some people would prefer to make a regular, small investment instead of putting a lump sum away. Maybe you feel this way too. For many of us, regular savings are the most reliable way to generate capital for ourselves and our families. If you invest regular amounts, you can build up substantial capital sums over the medium to long term and you can smooth out the ups and downs of the market. If the share price falls, your contribution will purchase a larger number of shares at a lower price. And if the price rises, this larger holding of shares will make your investments more valuable – although of course, your contributions will buy you less. There is no overall investment limit in The MG Savings Plan, and you can invest from as little as £10 a month. Turning your individual company shares into an investment with MG The MG Share Exchange Scheme If you hold any individual company shares in your portfolio, in addition to your MG investments, you will know the potential advantages of investing in equities. You may also be aware of the characteristics of holding individual shares directly. A portfolio containing individual shares: • may leave your investment exposed to a greater degree of risk • can be more expensive to buy and sell • cannot provide you with the extensive research capabilities that can be provided by an investment management company such as MG The MG Share Exchange Scheme offers you an easy way to turn your individual shares or gilts into an investment in MG’s extensive fund range – either directly via an OEIC or within an ISA wrapper – so you can enjoy all the advantages of a ‘pooled’ investment with all the management expertise of MG. All you need is a minimum of £1,000 worth of shares or gilts to get started. Please remember that prices may fluctuate and you may not get back your original investment. Visit www.mandg.co.uk/exchange or call our Investment Helpline on 0800 389 8600 to find out more. Making the most of your MG investment 7
  7. 7. More reasons to invest with MG Morningstar OBSR Honours 2012 • Outstanding Investment House 2012 Morningstar Awards 2012 • Best Specialist Fixed Interest House Award Professional Adviser Awards 2012 • Best UK Growth Group Past performance is not a guide to future performance. 8 Making the most of your MG investment
  8. 8. Change of personal details This form can be used to change your: • address, and/or; • name, when accompanied by appropriate documentation to show a legal change. Please note: If you hold any shares in the MG High Income Investment Trust outside of an ISA, you will also need to send details of your amended personal details to: Lloyds Registrars, The Causeway, Worthing, West Sussex BN99 6DA. Please complete the relevant sections of this form in blue or black ink, using CAPITAL letters and ticking the appropriate boxes, and return it to: MG Customer Relations, PO Box 9039, Chelmsford CM99 2XG. 1 Personal details Please give the full name(s) of all investors. Investor 1 Mr Mrs Investor 2 (if applicable) Miss Ms Other Mr Forename(s) Mrs Miss Ms Other Forename(s) Surname Surname MG client reference number MG client reference number Investor 3 (if applicable) Mr Mrs Miss Investor 4 (if applicable) Ms Other Mr Forename(s) Mrs Miss Ms Other Forename(s) Surname Surname MG client reference number MG client reference number 2 Change of Address Please complete this section if you wish to change your address. Your previous address Your new address Address Address Postcode Postcode New daytime phone number (in case of query) Authorisation Please ensure that all investors to whom the change of address applies sign below. Investor 1 Investor 2 Signature Date Signature Date Investor 3 Investor 4 Signature Date Signature Date
  9. 9. 3 Change of name Please complete this section if you wish us to reflect your change of name in our records. Please enclose the appropriate document(s), according to the reason for your name change: • Marriage – marriage certificate • Civil partnership – civil partnership certificate • Divorce – decree nisi/absolute and birth certificate or previous marriage certificate, in order to verify your previous and current names • Deed poll – deed poll document. Previous name Mr Mrs Miss Ms Other Current name Forename(s) Mr Mrs Miss Ms Other Forename(s) Surname Surname Authorisation Your previous signature Your current signature Date How to contact us Call us Visit our website 0800 390 390 (Minicom: 0800 917 2295) www.mandg.co.uk/info We are open Monday to Friday from 8.00am to 6.00pm and on Saturday from 9.00am to 1.00pm. For your security and to improve the quality of our service, we may record and monitor telephone calls. If you have hearing difficulties, you can contact us on Minicom from 9.00am to 5.00pm, Monday to Friday. Email us Write to us MG Customer Relations, PO Box 9039, Chelmsford CM99 2XG info@mandg.co.uk Please note that information in an email cannot be guaranteed as secure. Do not include sensitive information in emails to MG. Issued by MG Financial Services Limited and MG Securities Limited which are both authorised and regulated by the Financial Conduct Authority in the UK and provide ISAs and other investments. The registered office of both companies is Laurence Pountney Hill, London EC4R 0HH. MG Financial Services Limited is registered in England No. 923891. MG Securities Limited is registered in England No. 90776.
  10. 10. If you have a financial adviser, please contact them for further information on MG’s funds and products, and also for information on how to invest with MG. If you invest directly with MG and do not have a financial adviser, you can contact us using the details below. How to contact us Call us* Customer Relations 0800 390 390 you have a query regarding your If MG investment, Customer Relations can be contacted from 8.00am to 6.00pm, Monday to Friday, and from 9.00am to 1.00pm on Saturday. Investment Helpline 0800 389 8600 would like to make an If you investment, request further information on a new or additional investment, or want to read more about our products and services, call us from 8.00am to 6.00pm Monday to Friday and from 9.00am to 1.00pm on Saturday. Minicom telephone 0800 917 2295 have hearing difficulties, you If you can contact us on minicom from 9.00am to 5.00pm, Monday to Friday. Email us** info@mandg.co.uk For information. literaturerequest@mandg.co.uk For literature. Write to us: MG Customer Relations PO Box 9039 Chelmsford CM99 2XG * or security purposes and to improve the quality of our F service, we may record and monitor telephone calls. ** lease note that information contained within an email P cannot be guaranteed as secure. We advise that you do not include any sensitive information when corresponding with MG in this way. If you would like to request a copy of the Important Information for Investors document, a Key Investor Information Document or the Prospectus, free of charge and in English, please call Customer Relations free on 0800 390 390. Please remember that prices may fluctuate and you may not get back your original investment. We are unable to give you financial advice. If you are unsure about the suitability of your investment, please speak to your financial adviser. For further information, videos and additional insights from the experts at MG, please visit www.mandg.co.uk/intelligence Morningstar logo copyright © 2010 Morningstar UK Ltd. All rights reserved. This financial promotion is issued by MG Financial Services Limited and MG Securities Limited which are both authorised and regulated by the Financial Conduct Authority in the UK and provide ISAs and other investments. The registered office of both companies is Laurence Pountney Hill, London EC4R 0HH. MG Financial Services Limited is registered in England No. 923891. MG Securities Limited is registered in England No. 90776. APR 13 / W43341

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