11047_WO_ISA_Guide_pres_S2v2

13 . 12 . 2016 

11047 Stage 2 

Willis Owen 

ISA Guide 2017

Willis Owen ISA Guide 

First Draft

Cover options 

Imagery 

Cover option 1 Cover option 2 Cover option 3 Cover option 4 

Your Investment Guide February 2017 




Text 

goes 

here 

Text 

goes 

here 

Vivamus cursus. 

Integer efficitur 

impe quis. 

Duis volutpat nibh vitae 

laoreet pellentesque. 

Integer a erat in 

Text 

goes 

here 



impe quis. 






impe quis. 




Text 

goes 

here 



impe quis. 




Image would be extended and 

retouched to fit the page. 

Image would be extended and 

retouched to fit the page. 

Images with more space allow for 

extra cover lines to be added. 

Cover lines TBC 

3 | Willis Owen, ISA Guide 2017 | © Six 2016

Contents & Intro spread 

Inside our guide... 

Introduction 

Lorem ipsum dolor sit amet 

consectetur adispicing elit. 

Contents can be filled 

out once all sections are 

complete and pages are 

confirmed. 

Contents 1 

XXXXXXXXXXX 

XXXXXXXXXX 

XXXXXXXXX 

XXXXXXXXX 

XXXXXXXXXXXX 

Contents 3 

XXXXXXXXXXX 

XXXXXXXXXX 

XXXXXXXXX 

XXXXXXXXX 

XXXXXXXXXXXX 

Tools 

explore 34 

invest 35 

review 36 

play 37 

Lorem ipsum dolor sit amet, 

consectetur adipiscing elit. Praesent 

eget justo vitae justo malesuada 

tempus id ullamcorper augue. Sed 

rutrum ullamcorper vehicula. Mauris 

id justo at neque varius interdum. 

Terms and Conditions from 

the existing ISA Guide 

Products 

ISA 6 

SIPP 7 

JISA 8 

GIA 9 

XXXXXXXXXXXX 

Funds Insert 

XXXXXXXXXXX 17-28 

XXXXXXXXXX 

XXXXXXXXX 

XXXXXXXXX 

XXXXXXXXXXXX 

Important Information 

About Us – Willis Owen Limited is an Execution Only Investment Service and all business transacted through us is done so on a ‘direct offer’ or ‘execution 

only’ basis for investors who wish to make their own investment decisions. We do not provide advice on any of the products or services featured on our 

website or through our various publications. This means we do not offer financial advice on whether any product we promote is suitable for your personal 

circumstances. The advantage of purchasing products through Willis Owen Limited is that we are normally able to negotiate discounts on the set-up or 

ongoing costs of the products we offer. 

By using any of the services provided by Willis Owen Limited, you are deemed to have accepted our Terms of Business which can be found within our 

website at www.willisowen.co.uk 

Authorisation – Willis Owen Limited is authorised and regulated by the Financial Conduct Authority. The FCA is the independent watchdog that regulates 

financial services in the UK. Willis Owen Ltd is entered on the FCA register (www.fca.org.uk/register) under reference 121261. You can check this by 

contacting the FCA on 08001116768. 

Willis Owen Ltd’s permitted activity is arranging investment business. Willis Owen Ltd is regulated in the United Kingdom. Our registered office is Ground 

Floor, 507 (Unit 2), Centennial Business Park, Elstree WD6 3FG. Registered in England no 03283706. 

Unless otherwise stated, all features stated within this magazine relate to the Willis Owen Platform. Errors and omissions excepted. Printed January 2017. 

The content of this document is valid until 31 July 2016 and you should check the Willis Owen website if you wish to invest after this date. 

Tex lectus, tincidunt in faucibus ac, 

cursus vitae neque. Fusce id diam 

in velit elementum dignissim ut sit 

amet diam. Mauris molestie leo 

quis placerat posuere. Ut sodales 

vehicula justo, vel facilisis odio 

dignissim elementum. Aenean 

scelerisque vehicula fringilla. 

Proin sit amet elementum orci. 

Class aptent taciti sociosqu ad 

litora torquent per conubia nostra, 

per inceptos himenaeos. Praesent 

vestibulum felis elementum neque 

finibus, et consectetur eros aliquet. 

Curabitur id rhoncus dui. Maecenas 

luctus velit risus, sed mollis lacus 

tristique sed. In bibendum, neque 

nec tincidunt vulputate, quam 

eros dapibus enim, id pretium 

metus libero ac arcu. Sed ut 

imperdiet tellus. Nunc viverra, nisl 

ut consequat maximus, tortor nisi 

lobortis nunc, quis gravida magna 

massa sed eros. Phasellus nec dui 

eu orci ultricies dictum sed quis 

nulla. Mauris efficitur in ante nec 

vulputate. Donec ultricies fringilla 

felis eu tincidunt. Pellentesque 

habitant morbi tristique senectus 

et netus et malesuada fames ac 

turpis egestas. Morbi at diam at 

justo ullamcorper lacinia eu eget 

nisl. Curabitur in lobortis sem. 

Vestibulum pellentesque lacus 

massa, eget tristique velit lacinia in. 

Vivamus bibendum purus at metus 

sagittis auctor. 

Aliquam eleifend molestie 

elementum. Integer aliquam 

sollicitudin metus maximus cursus. 

In libero ex, elementum sit amet 

consectetur quis, finibus sagittis 

nibh. Aenean vulputate metus arcu, 

nec pellentesque ex pellentesque 

semper. Sed elementum venenatis 

erat ac dictum. Sed pellentesque 

purus lacus, et mollis est molestie 

et. Sed et augue tempor, ultricies 

nunc vitae, euismod nunc. Aenean 

maximus aliquet mi efficitur sagittis. 

Aliquam vehicula libero dolor, sed 

viverra tellus ullamcorper eu. 

Vivamus cursus 

a scelerisque. 


impe quis fringilla. 

Duis volutpat nibh vitae laoreet 

pellentesque. Integer a erat in erat 

tristique tempus. Donec sit amet 

laoreet nibh. Etiam viverra tellus 

vitae vulputate ullamcorper. 

est nec eros sodales scelerisque. 

In ac posuere leo. Curabitur viverra 

eget metus eget cursus. Nam 

placerat ut ex id pharetra. Proin 

condimentum consectetur mauris, 

vel tempus ligula luctus. 

4 ISA Guide 2017 

Introduction 

2 

Please supply the high 

resolution original of 

this image 


Give it your all spread 

Give it your all 

Every day is a chance to make tomorrow 

better. With the right tools, the right help 

and the right attitude, you can bring your 

ideal future within reach. 

Design based on the 

signed off concepts 

Your first step 

Investing is exciting because it’s 

unpredictable. So it’s a good 

idea to build up a cash backup 

fund before you begin. This 

means you can comfortably 

ride out the peaks and troughs, 

and make the whole experience 

more relaxing. 

ISA 

Make the strongest start you 

can. Whether you want to 

save for a new car or just put 

something aside for a rainy day, 

kick-start your financial future 

by investing in a tax-free Stocks 

& Shares ISA. And with our 

no-nonsense online tools and 

support, you’ll always have our 

years of experience behind you. 

Get to grips with ISAs on page 6 

SIPP 

Keep the future looking bright 

with a tax-efficient Self Invested 

Personal Pension. Choose 

the funds that best suit you, 

and decide how and when 

you receive the benefits. By 

managing your pension scheme 

yourself with our intuitive online 

tools, you’ll always have one eye 

on how your future’s shaping up. 

Learn more about SIPPs 

on page 7 

Junior ISA 

Give your children the financial 

future they deserve. With a 

Stocks & Shares Junior ISA, you 

can make a tax-free investment 

on their behalf. Perfect for 

starting a university fund, saving 

for their first car or just putting 

something aside for their future. 

Head to page 8 for more on JISAs 

General 

Investment 

Account 

Go beyond the bounds of your 

ISA. A General Investment 

Account gives you the freedom 

to take your finances as far as 

you choose. So you can see your 

investment plan take shape, 

or even reshape it to suit your 

changing life. Start with as little 

as £100, build your portfolio 

to suit your goals and put your 

investment experience to good 

use. 

Get your head around GIAs 

on page 9 

Pension 

freedom 

Begin the future you’ve invested 

in. You can now withdraw up to 

25% of your pension tax-free 

when you turn 55. So you can 

make bigger decisions sooner, 

and open up new ways to make 

the most of your savings. 

Get the most from your ISA, 

the range of investment options 

and our years of experience 

at willisowen. co. uk 


Give it your all 

4 


ISA & SIPP spread 

Products 

Images from each respective 

page on the website are 

used for products. 

INDIVIDUAL 

SELF 

INVESTED 

SAVINGS 

PERSONAL 

The ticker tape effect breaks 

down to long names down 

into digestible words 

ACCOUNT 

(ISA) 

PENSION 

(SIPP) 

An overview of the 

product is pulled out in 

large text, using colour 

and underlines to draw 

interest. 

The four product pages sit 

together as a group and 

have similar page layouts to 

reinforce this. 

A simple way to begin your financial 

journey, a Willis Owen Stocks & Shares ISA 

gives you easy access to a variety of 

investment options and the ability to 

manage everything online. 

How does it work? 

With an ISA, you’ll be able to invest up to £15,240 in 

2016/17 and £20,000 in 2017/18 tax years. You can 

build your own portfolio from a choice of Funds, Shares, 

Investment Trusts and Exchange Traded Funds (ETFs), 

and everything you save will be free from Capital Gains 

or Income Tax. 

With our simple online tools, you can practice investing, 

search for funds and shares and manage everything 

online. Whether you’re using a computer, tablet or 

mobile, we’re all about making investment easy. 

Visit willisowen.co.uk/isa to find out more. 

F 

F 

F 

C 

C 

C 

Good for investing for five years or more 

Gives you a share of any growth in the 

stock market 

Free from Income and Capital Gains Tax. 

Funds can go down if their investments 

don’t perform well 

Normally takes 8 to 10 days to withdraw cash 

Government-set limits on how much you 

can invest. 

Your retirement should be on 

your terms. With a tax-efficient 

Willis Owen SIPP, you’ll have 

everything you need to turn your 

investments into a better future. 


Unlike a regular pension, you’ll decide when, where and 

how to invest your money. With our straightforward 

online tools and on-hand expertise, you can choose from 

Funds, Shares, Investment Trusts and Exchange Traded 

Funds (ETFs). As well as decide how you’d like to receive 

the benefits. What’s more, there are now more flexible 

ways to receive pension income when you turn 55. 

Safeguard your financial future with a Willis Owen SIPP 

today at willisowen.co.uk/sipp 

F 

F 

F 

C 

C 

C 

Grow your funds free from UK Capital Gains 

and Income Tax 

Manage and monitor your investments online 

Spread the risk out over a longer period. 

Funds will be tied up until you’re 55 

Previous years’ unused relief can’t be contributed 

Savings can decrease if your investments 

don’t perform well. 


Products 

6 

Pros and cons list is 

highlighted with existing 

plus and minus icons. 


JISA & GIA spread 

Products 

JUNIOR 

INDIVIDUAL 

GENERAL 

SAVINGS 

INVESTMENT 

ACCOUNT 

(JISA) 

ACCOUNT 

(GIA) 

Your children could already be on 

their way to a bright financial future. 

Help them take their first steps with 

a Willis Owen Junior ISA. 

By taking away the limits of an ISA, you 

can take away the limits of your goals. 

A Willis Owen GIA is a flexible account 

that lets you push your future further. 


With an Junior ISA, you’ll be able to invest up to £4,080 

in 2016/17 and £4,128 in 2017/18. Much like an ISA, a 

JISA lets you invest in Funds, Shares, Investment Trusts 

and Exchange Traded Funds (ETFs). And because it’s 

only for younger account holders, they can begin to 

understand the concept of investing and get a head start 

towards financial fluency. 

So whether you want to put something aside for your 

son’s university fees or help your granddaughter to buy 

her first car, a JISA is the ideal place to start. 

To learn more about our JISA offering, visit willisowen. 

co.uk/jisa 

F 

F 

F 

C 

C 

C 

Invest and save free from Income and 

Capital Gains tax 

Manage everything with our user-friendly 

online tools 

Invest on behalf of someone else. 

Investment limit of £4,080 

Account can only be held by someone under 18 

Account holder cannot have an ISA and a 

Child Trust Fund. 


Like an ISA, you can use a GIA to hold a combination of 

Funds, Shares, Investment Trusts and Exchange Traded 

Funds (ETFs). The difference is, there’s no limit to how 

much you can invest. It’s also quick to set up, easy to 

manage with our online tools and comes with the help 

and support of our Customer Service Team. 

And with our :explore tool, you can browse all the 

available funds to see which ones are right for you, and 

best complement your ISA portfolio. 

Go beyond your ISA allowance and visit willisowen. co. 

uk/gia today. 

F 

F 

F 

C 

C 

C 

No limit on how much you can invest 

Open an account with just £100 

Use our :play tool to test the waters 

before investing. 

None of the tax benefits of an ISA 

Less suitable for short-term investing 

Value can go down as well as up. 

Browse the year’s most promising investment options in the pull- 

booklet and at willisowen.co.uk/explore 

i 

out 


Products 

8 

Product pages appear in 

the same order as they 

do on the ‘give it your all’ 

spread, as discussed. 


Investment options & charges spread 

Investment options 

Effective investing is all about getting the 

right mix. Keep your portfolio focused on 

your goals by choosing the most appropriate 

investment options. 

Charges 

Funds 

These are pools of money made 

up of contributions from many 

investors like you. Your fund will be 

managed by a professional Fund 

Manager and will invest in things 

like equities, bonds and property. 

Investing in a Fund lets you spread 

the risk and tailor your portfolio for 

either income or growth. 

Shares 

By buying shares, you’ll become 

a part-owner of a company along 

with other investors. At Willis 

Owen we give you access to 

shares of the FTSE 350, the 350 

biggest companies on the London 

Stock Exchange. Shares are a 

direct reflection of the company’s 

performance, so your investment 

will rise and fall as the company 

increases or decreases in value. 

Investment Trusts 

These are actually listed companies 

with Shares quoted on the London 

Stock Exchange. A board of 

directors will manage your interests, 

and professional Fund Managers will 

look after the Trust’s investments in 

things like shares and fixed interest 

securities. They often come with 

competitive fees and can trade at a 

discount to net asset value. 

Exchange Traded 

Funds (ETFs) 

Like Investment Trusts, these invest 

in other securities on your behalf 

and are bought and sold during 

normal trading hours. However 

ETFs declare their holdings every 

day. They track and duplicate the 

performance of a certain stock 

index, such as the FTSE 100, by 

making the same investments in 

the same proportions. This makes 

them easy to understand and follow, 

whether you’re an experienced 

investor or a budding beginner. 

Got your 

head around 

the different 

investment 

options? 

Take the next step by 

reviewing your options 

at willisowen.co.uk/ 

explore, or take a look at our 

featured funds on page 17. 

Lorem ipsum 

dolor sit amet, 

consectetur 

adipiscing elit. 

Aenean iaculis enim 

ex, non scelerisque 

dui rutrum id. 

In turpis mauris, posuere ut ligula 

eu, interdum lobortis nisi. Mauris 

consectetur velit a justo euismod 

semper. Sed erat ante, egestas 

ut ipsum a, posuere pellentesque 

lectus. In sagittis fermentum quam 

et lacinia. Nulla vitae tellus non 

massa dictum consectetur. Fusce 

iaculis varius sem, et facilisis augue 

finibus eu. Maecenas accumsan 

mauris quis ornare rutrum. Sed 

eu felis placerat turpis tristique 

feugiat id nec velit. Pellentesque 

habitant morbi tristique senectus et 

netus et malesuada fames ac turpis 

egestas. Mauris commodo nunc dui, 

a tincidunt lacus consectetur non. 

Donec et purus in ex consectetur 

tincidunt eu ac justo. In sit amet 

erat ligula. Curabitur ut malesuada 

turpis, in volutpat erat. Cras rhoncus 

ac felis a scelerisque. 

Aenean magna neque, tristique 

vel eros nec, porttitor luctus 

nulla. Mauris feugiat a dui quis 

faucibus. Fusce eu finibus odio. 

Aliquam et velit ex. Mauris dolor 

leo, iaculis et lacus ac, dignissim 

consectetur ipsum. Suspendisse 

commodo eu libero eu vehicula. 

Fusce porta sollicitudin dapibus. 

Vivamus velit massa, hendrerit 

et lorem a, condimentum blandit 

lorem. Maecenas pharetra faucibus 

hendrerit. Cras ornare, purus ac 

iaculis ultrices, risus turpis tincidunt 

risus, id viverra est sapien sed arcu. 

Sed faucibus, nunc sed gravida 

gravida, lectus arcu pulvinar dolor, 

id mollis elit ligula sit amet sapien. 

Integer ac scelerisque ipsum, 

ac tempor urna. Aliquam id orci 

semper, suscipit ipsum ac, placerat 

justo. Nam at imperdiet mauris. 

Morbi rutrum neque porta turpis 

facilisis, a blandit neque commodo. 

q Lorem ipsum 

dolor sit amet 

consectetur 

adispicing 

elit. Nunc sed 

tortor non 

mes pulvinar 

eleentum sed 

at ipsum.q 

XXXXX XX XXXXXXXXX XXXXXXXXXXXXX 









Page headline Charges 

10 

Table TBC 

Content TBC 


Investing: Men and women spread 

Investing: men and women 

Even in the investment world there’s a battle of 

the sexes. While men have classically dominated 

the industry, how do the two genders compare 

when it comes to actually investing? 

Do men and women 

have the same 

approach? 

What would you do if you had 

£100,000 to invest? Research from 

SavvyWoman showed that: 

• Both genders have a good 

concept of saving, with 35% of 

women and 36% of men saying 

they’d save into cash ISAs. 

• When it comes to investing in the 

market, 12% of women would 

consider it, compared to 21% of 

men. 

• Women in their 30s and 40s are 

much less interested in investing 

in the market than men of the 

same age. Just 10% of them 

suggested investing in a Stocks 

& Shares ISA, compared to 21% 

of men. 

• Women are more likely to invest 

in a second property than the 

stock market. 

• Men are substantially more 

likely than women to invest in 

the stock market (including 

commodities investment) and go 

in for higher risk ventures such 

as crowdfunding. 

So why do women 

consider other 

areas before the 

stock market? 

The financial industry is changing 

the way it communicates with 

customers, but slowly. Women tend 

to feel that financial communication 

is more directed at men, with 

a focus on jargon and unnecessary 

complexity. 

Research has suggested women 

are keen to get into investing, but 

with time-sensitive lifestyles and 

the investment culture seeming so 

male-dominated, it can be difficult 

to find an easy entrance point. 

One of the main barriers to investing 

is finding a trusted source. All 

investors can benefit from financial 

advice. But due to the reasons 

outlined, putting the time and effort 

into finding advice you can trust can 

be an arduous task. 

Saving is obviously one of the 

long-term goals for all investors. 

However, women tend to associate 

it more with risk-taking and shortterm 

gains than men. Research from 

the 2015 BlackRock Global Investor 

Pulse Survey found that while 46% 

of women aged 55-64 are interested 

in investing, only 30% of women 

surveyed are willing to take risks to 

achieve returns. 

Research from Britainthinks 

suggests a large proportion 

of women make the financial 

decisions at home, but only 37% 

feel confident making investment 

decisions. Compare this to the 

equivalent 53% of men, and it 

reflects the ownership of Stocks & 

Shares ISAs. 17% of men and 10% 

of women respectively hold this kind 

of account. 

What’s clear is that, in many ways, 

the financial services industry 

and culture is somewhat behind 

the times when it comes to 

gender equality. 

How can we 

balance things out? 

Studies have shown that men tend 

to make more trades and are likely 

to take more risks for a quick gain. 

This sense of optimism can lead 

to overconfidence and frequent 

changes in asset allocation to their 

portfolios. 

In comparison, women tend to view 

investing as a long-term plan and 

are less likely to constantly change 

their portfolio. A Study by Barber 

and Odean showed that men traded 

more than women within a year 

(80% compared to 50%) and this led 

to a poorer return on their portfolio. 

Their research also showed that, in 

general, there was a 7% difference in 

return for people who traded more. 

However, it’s always possible to 

be too cautious. Putting money 

into ‘safe’ cash accounts can mean 

inflation outstripping the value 

of the money in present terms, 

especially with the current low 

interest rates. 

Awareness of investing for longterm 

goals is becoming more 

balanced between both genders. 

And while the evidence suggests 

investing is a male-dominated 

scene, that doesn’t make any one 

gender better at it. All of us are 

capable of owning our financial 

futures, and the industry can still do 

much more to help this happen. 

Where would you invest £100,000? 

40% 

35% 

30% 

25% 

20% 

15% 

10% 

5% 

0% 

Cash savings / cash ISA 

Pay off mortgage 

BTL / commercial property 

Share-based investments 

Spend it 

Commodities 

Crowd funded business 

Percentages add up to more than 100% because 

respondents could choose more than one answer. 

Source: SavvyWoman Women & Money report 2014 

Other 

Men 

Women 

Don’t know 


Investing: Men and Women 12 


Introducing the research team spread 

LOREM 

IPSUM 

Serit, simur, 

nius cone inc 

tantristem 

tebus 

hocursu 

luterestem 

cre iam ho 

DOLOR 

SIT 

Based on the signed off 

concepts 

Introducing 

the research team 

Content TBC 


consectetur adipiscing elit. 

Vestibulum vulputate, velit sed 

commodo commodo, eros lectus 

ullamcorper purus, vel iaculis 

purus magna eu nulla. Curabitur eu 

finibus metus, ut rhoncus mauris. 

Cras luctus mi vel elit interdum, 

convallis sagittis nulla cursus. Sed 

quis massa lacinia, feugiat elit at, 

hendrerit urna. Fusce diam ipsum, 

condimentum vitae efficitur ac, 

accumsan sit amet felis. Duis 

faucibus, diam luctus lacinia porta, 

lacus sapien hendrerit turpis, nec 

pretium massa felis sit amet sem. 

Nunc porta tortor sit amet tempus 

auctor. Ut sagittis metus sit amet 

leo posuere, vitae porttitor sapien 

consectetur. Aliquam egestas 

malesuada quam, id consequat 

lectus facilisis non. Aliquam at 

ultrices risus, eget aliquet urna. 

Duis a ullamcorper tortor, ac 

porta magna. Quisque in lorem 

sit amet lectus dictum maximus. 

Maecenas ut tellus fermentum, 

bibendum urna non, pulvinar sapien. 

Integer pharetra mattis tellus, 

quis dignissim velit ullamcorper 

id. Donec ante dolor, finibus eget 

lorem eget, tincidunt consequat 

quam. Vestibulum non malesuada 

mi. Sed nibh lacus, lobortis id 

neque id, interdum aliquam arcu. 

Quisque ullamcorper in urna sit 

amet consequat. Aenean bibendum 

lobortis libero, quis finibus arcu 

ultrices pulvinar. Integer luctus 

consequat justo, non pretium orci 

porta pulvinar. 

Nunc eget velit id dolor pulvinar 

dictum eget id elit.Sed quis porta 

ante. Quisque ultrices mattis neque 

a euismod. Maecenas varius dictum 

nunc ac semper. Phasellus efficitur, 

libero a interdum feugiat, risus 

tortor aliquet mi, eu vehicula sapien 

justo eu lacus. Curabitur 

Fusce malesuada odio elit, a vulputate 

lacus elementum nec. In porta lobortis 

tortor sit amet egestas. Lorem ipsum 

dolor sit amet consectetur adispicing 

elit. Mofado fermentum felis. 

eget sem lacinia suscipit vitae ut elit. 

Vestibulum consectetur rhoncus 

enim vitae tincidunt. Etiam id est 

et ex sodales lacinia. Mauris magna 

velit, dictum non consequat eu, 

placerat in nunc. Aliquam sagittis 

ac arcu nec fermentum. In eleifend 

ex ut lacinia rutrum. Interdum et 

malesuada fames ac ante ipsum 

primis in faucibus. 

Vestibulum ante ipsum primis in 

faucibus orci luctus et ultrices 

posuere cubilia Curae; Fusce eu.ut 

nisl cursus, eleifend neque at, 

elementum felis. Fusce sed ipsum. 

Nunc eget velit id dolor pulvinar 

dictum eget id elit.Sed quis porta 

ante. Quisque ultrices mattis neque 

a euismod. Maecenas varius dictum 

nunc ac semper. 

Praesent inter 

dum est eu elem 

entum egestas. 

Aliquam tortor felis, fermentum 

a ante ac, semper commodo elit. 

Donec lorem ipsum dolor. Left, 

xxxxxxxxxxx, above, xxxxxxxxxxx 


Introducing the Research Team 14 

Please supply the original 

high res versions of these 

images. (magenta used 

where extension of image 

would take place) 

Please supply the original 

high res versions of these 

images 


2016 Best Sellers page 

Featured Funds 2017 (Front cover) 

Insert Section 

2016 Best Sellers 

TO BE CONFIRMED 

Content TBC 

Featured funds 2017 

With so many investment 

options out there, it can 

be hard to know which 

ones will help you achieve 

your goals, especially 

towards the end of the 

financial year. This booklet 

contains a shortlist of 

selected funds for your 

consideration, which 

have been independently 

rated by our partners at 

Square Mile. Take a look 

through and begin planning 

the next stage of your 

financial journey. 

What’s in the booklet? 

Each Fund is broken down to 

simply display the most important 

pieces of information. The FE Risk 

Score will help you compare it to 

your other Funds and decide if it 

will fit into your investment plan. 

The Square Mile Rating indicates 

how much confidence Square Mile 

have that the Fund will achieve 

its target. 

Read more about FE Risk Scores 

and Square Mile Ratings at 

www.willisowen.co.uk/explore/ 

explore-in-detail 

Income Funds 

Income Funds are just what they 

sound like. They’re an investment 

that gives you a steady stream of 

income, much like a salary. 

Growth Funds 

These are designed to increase 

in value over time, by reinvesting 

their earnings in companies with 

above-average growth. 


New feel for the insert 

section - facts driven 

content with bold block 

colours utilising the icons. 


Risk & Income Funds spread 


As discussed, all logos in this section should be the black and white 

versions – to keep consistency and simplicity. The logos we have 

been supplied so far have been colour versions which have been 

edited by Six to be black and white. This may be against their brand 

guidelines so we would advise acquiring the existing black and 

white logo versions from each of these companies. 

FE Risk Score: XX 

Square Mile Rating: 

AAA 



A 



A 

Risk 

Risk isn’t a bad thing. With a good 

understanding of your risk capacity 

and attitude, you’ll become a much 

more effective investor. 

What is risk? 

Manage risk 

Risk scores 

Woodford 

Equity Income 

Research commentary 

from Square Mile 

Ateseque atem. Nequiandam, 

se prat pelenet adicate necto 

ommolorero ipsa dis entiatis 

mos quostio conem voluptae 

vit et omnimagnieni nonseris 

eatquia perupta tatquia 

aut et liquos expe nobis 

voluptatquam none sitate 

reperum eius mo omnis il eum 

cullore lat. Berumque sitio. 

Otatent ecullaut etur molume 

maio dolupta tissum. 

Artemis Global 

Income 















M&G Episode 

Income 















Income Funds 

Logo to be 

supplied 

Investment risk is the 

measurement of a fund’s 

potential losses and gains. Riskier 

investments are more likely to 

give you either greater losses, or 

greater gains. 

To figure out your current risk 

capacity, think about your 

circumstances, your investment 

plan, and how much loss you 

can handle. 

Your risk attitude is more personal. 

Are you naturally a risk taker? It’s 

important to feel comfortable with 

your investments. 

Good investing is about balance. 

By going for low-risk ventures like 

cash products and higher-risk 

products like equities, as well as 

covering different geographic 

locations, you’ll spread out the risk 

and gain a little peace of mind. 

But remember, there are no 

guarantees. So make sure 

you regularly check on your 

investments to make sure they’re 

always at the right risk level and 

aligned with your goals. 

To make things easier, all our 

Funds are scored according to 

their relative risk. These scores 

are supplied by Financial Express, 

a leading provider of investment 

data and performance analysis. 

They score each Fund based on 18 

months of weekly total returns, 

with more weighting given to 

recent market events. They then 

measure the Fund’s volatility, a 

common way of determining risk, 

in relation to the FTSE 100. 

Put simply, Funds with a score 

under 100 are less volatile than the 

FTSE 100, and those over 100 are 

more volatile. 

IA Sector: 

XXXXXXXX 

Fund unit type: 

XXXXXXXXXX 

Fund size: 

XXXXXXXXX 

No initial charge 

Annual Management 

Charge: XXXXX% 

IA Sector: 

XXXXXXXX 


XXXXXXXXXX 

Fund size: 

XXXXXXXXX 




IA Sector: 

XXXXXXXX 


XXXXXXXXXX 

Fund size: 

XXXXXXXXX 




Page numbers are not 

included in the insert section, 

as it is only a small section 

which may be taken out of the 

ISA Guide. 

Risk scores page has 

moved to the end of the 

Insert section as discussed. 

Content TBC 


Income & Growth Funds spread 


Logo to be 

supplied 

Logo to be 

supplied 



AA 



AA 



A 



AA 



A 



A 

Income Funds 

BlackRock 

Continental 

European 

Income 















IA Sector: 

XXXXXXXX 


XXXXXXXXXX 

Fund size: 

XXXXXXXXX 




First State 

Global Listed 

Infrastructure 















IA Sector: 

XXXXXXXX 


XXXXXXXXXX 

Fund size: 

XXXXXXXXX 




Henderson 

Preference & 

Bond 















IA Sector: 

XXXXXXXX 


XXXXXXXXXX 

Fund size: 

XXXXXXXXX 




Fundsmith 

Equity 















IA Sector: 

XXXXXXXX 


XXXXXXXXXX 

Fund size: 

XXXXXXXXX 




Jupiter 

Distribution 















IA Sector: 

XXXXXXXX 


XXXXXXXXXX 

Fund size: 

XXXXXXXXX 




Axa Framlington 

Managed 

Balanced 















IA Sector: 

XXXXXXXX 


XXXXXXXXXX 

Fund size: 

XXXXXXXXX 




Growth Funds 

Content TBC 

New colour scheme for a 

different type of fund 

Content TBC 


Growth Funds spread 




AA 



AAA 



A 



AA 



A 



AAA 

Growth Funds 

Newton Real 

Return 















IA Sector: 

XXXXXXXX 

AXA 

Framlington 

UK Select 

Opportunities 















Old Mutual UK 

Mid Cap 















IA Sector: 

XXXXXXXX 

Schroder Asian 

Alpha Plus 















IA Sector: 

XXXXXXXX 

Standard Life 

Investments 

Global Smaller 

Companies 















Man GLG Japan 

Core Alpha 















IA Sector: 

XXXXXXXX 

Growth Funds 


XXXXXXXXXX 

IA Sector: 

XXXXXXXX 


XXXXXXXXXX 


XXXXXXXXXX 

IA Sector: 

XXXXXXXX 


XXXXXXXXXX 

Fund size: 

XXXXXXXXX 


XXXXXXXXXX 

Fund size: 

XXXXXXXXX 

Fund size: 

XXXXXXXXX 


XXXXXXXXXX 

Fund size: 

XXXXXXXXX 




Fund size: 

XXXXXXXXX 








Fund size: 

XXXXXXXXX 









Content TBC 


Passive Funds spread 


This logo doesn’t 

quite fit in the space 

available - is there 

another version for 

longer spaces? 

Logo to be 

supplied 

Logo to be 

supplied 



R 



R 



R 

Passive Funds 

Also known as ‘index-tracking’ Funds, 

Passive Funds aim to replicate a specific 

market index, like the FTSE 100, by 

investing the same proportions of the 

same shares. 

Because they’re tied to existing 

indexes, Passive Funds will 

perform in the same way. So if the 

index rises, so too will the Fund, 

and vice- versa. 

They usually offer lower 

management charges, as they 

generally track an index, so negate 

the need to pay a premium price 

for an active fund manager. 

Passive Funds can however be 

less flexible than Active Funds, 

as the index they’re tracking 

can be dominated by just a 

few companies. And generally 

speaking, a lower turnover 

of shares can mean lower 

transaction costs. 

L&G 

International 

Index Trust 















IA Sector: 

XXXXXXXX 


XXXXXXXXXX 

Fund size: 

XXXXXXXXX 




Vanguard US 

Equity Index 















IA Sector: 

XXXXXXXX 


XXXXXXXXXX 

Fund size: 

XXXXXXXXX 




BlackRock 

100 UK Equity 

Tracker 















IA Sector: 

XXXXXXXX 


XXXXXXXXXX 

Fund size: 

XXXXXXXXX 




Passive Funds 

Content TBC 




Ethical Funds spread 




A 



A 



A 

Ethical Funds 

An Ethical Fund is an investment 

that’s designed to be socially or 

environmentally conscious. While this 

can mean eliminating entire sectors from 

your portfolio, it’s a more responsible 

way to invest. 

Deciding if Funds are ethical is 

usually undertaken in-house or by 

an external agency like EIRIS. The 

process can involve including Funds 

with a ‘best in class’ methodology, 

ruling out market sectors for moral 

or environmental reasons, and 

considering companies who make a 

positive contribution to society. 

Because of this rigorous screening 

process, Ethical Funds were often 

seen as higher risk due to the lack 

of diversity. But with increasing 

pressure on companies to be more 

responsible, ethical funds are more 

diverse than ever. 

Kames Ethical 

Cautious 

Managed 















IA Sector: 

XXXXXXXX 


XXXXXXXXXX 

Fund size: 

XXXXXXXXX 




Kames Ethical 

Equity 















IA Sector: 

XXXXXXXX 


XXXXXXXXXX 

Fund size: 

XXXXXXXXX 




Stewart 

Investors 

Worldwide 

Sustainability 















IA Sector: 

XXXXXXXX 


XXXXXXXXXX 

Fund size: 

XXXXXXXXX 




Ethical Funds 

Content TBC 




Ethical Funds page (back page of insert) 


2016 Market Review page 

Main section 

Risk scores 

2016 Market Review 

The year the underdog came out on top 

Get a feel for where the featured Funds sit 

on the risk scale and how diversifying your 

portfolio can help you spread the risk out. 

Lorem ipsum 


Lorem ipsum 


Lorem ipsum 


Lorem ipsum 


97 

74 

43 

24 

134 

84 

63 

37 

17 

Lorem ipsum 


Lorem ipsum 


Lorem ipsum 


Lorem ipsum 


Lorem ipsum 


FTSE 100 

Lorem ipsum 


Lorem 

ipsum 

82 

Lorem ipsum 


Lorem ipsum 


Lorem ipsum 


Lorem ipsum 


97 

82 

74 

43 

24 

134 

84 

63 

37 

17 

80 

Lorem ipsum 


Lorem ipsum 


Lorem 

ipsum 

Lorem ipsum 


Lorem ipsum 


Lorem ipsum 


Not many of 

us would have 

guessed how 

2016 would 

turn out... 

Back in January, the idea of 

Britain leaving the EU and 

Donald Trump becoming 

US President Elect 

seemed unlikely at most. 

But as voters registered 

their dissatisfaction with 

government policies, 

bookmakers and pollsters 

were left wrong-footed. 

Performance 

round up 

Global stock markets didn’t start 

the year well, with concerns growing 

over a possible slowdown in China. 

The Chinese economy has showed 

signs of stabilising, but the stock 

market has lagged as the economy 

transitions from industrial to 

consumer dependence. January saw 

raw material prices reach multi-year 

lows before rallying strongly, causing 

countries with big energy sector 

exposures to show volatility. 

The UK stands firm 

In the face of this turmoil, UK 

investors who kept their heads have 

been celebrating a year of stellar 

returns. In local currency terms, the 

UK stock market was actually the 

standout performer, helped by the 

recovery in commodities. 

The table above shows how much 

UK investors in overseas markets 

have gained from the Pound’s 

decline. Following renewed 

monetary easing by the Bank 

of England, this year has seen it 

fall to a 31-year low, which has 

also improved the competitive 

position of exports. 

The Trump effect 

US markets reacted positively to 

the news of Trump’s victory, in the 

hopes of a growth boost from fiscal 

policies and the repatriation of 

monies invested overseas. While 

European markets were unsettled 

by the uncertainty around Brexit 

and the upcoming elections in 

other countries. 

Some emerging markets 

bounced back after years of 

underperformance left valuations 

looking attractive, even though 

the index gave up some gains over 

worries about Trump’s possible 

protectionist policies. It was also 

held back by China, which makes up 

around a quarter of the index. 

Fans of the value style of investing 

also reaped rewards as investors 

switched from defensive bond 

proxies like utilities and tobacco 

stocks, into financials and others 

that benefit from rising interest 

rates and inflation. 

Economic and 

political drivers 

Global growth looks set for another 

year of below average performance 

with the International Monetary 

Fund (IMF) reducing its 2016 

forecast to 3.1%. Holding it back 

are factors like the continued 

weakness in Chinese manufacturing 

data, as well as the chance of 

monetary tightening from the US 

Federal Reserve amid poor global 

corporate earnings. 

The IMF reduced 

its 2016 forecast 

to 3.1%. 

The vote for Brexit resulted in 

UK political upheaval, beginning 

with the resignation of David 

Cameron. His successor, Theresa 

May, moved swiftly to appoint 

her new cabinet and give key roles 

to prominent Brexit supporters. 

The Bank of England moved to 

restore confidence with £250bn 

of support for the currency, a 

cut in interest rates and renewed 

quantitative easing. 

2016 Market Review 16 

Content TBC 



Text pulled out in large 

quotes to create interest 

q The bank of Japan moved 

to negative interest rates 

to encourage banks to 

lend to its economy.q 

The UK is likely 

to see a boost to 

capital spending 

The UK economy faced several 

threats. Higher inflation from rising 

import prices, potential job losses 

of businesses moving overseas, and 

a drop in consumer confidence. 

But these were countered by the 

bright prospect for the export-led 

economy after the depreciation of 

the sterling. 

The Bank of Japan actually moved 

to negative interest rates to 

encourage banks to lend to its 

economy. Recent growth figures 

have been promising, but the jury’s 

still out on the success of Prime 

Minister Abe’s reform programme. 

The oil price has been supported 

by an OPEC commitment to limit 

output for the first time in 8 years, 

though no formal quotas have been 

announced. However, some analysts 

question whether all members will 

comply, as they compete against 

each other for market share. 

Looking ahead 

The IMF forecasts global growth of 

3.4% in 2017, 0.4% lower than the 

long-term historic average growth 

rate. It warned that the effects of 

Brexit have prompted just 1.1% 

of forecasted UK growth in 2017. 

The IMF also expects emerging 

markets to lead the way. It forecasts 

GDP growth of 4.6% in 2017, with 

advanced economies growing at a 

more pedestrian 1.8%. 

Britain will 

leave the EU 

by 2019 and 

become a ‘fully 

independent, 

sovereign 

country’. 

There’s been much debate over 

when and how Article 50 will be 

triggered and what new trade 

agreements will be put in place. 

But Teresa May announced at the 

Conservative Party conference 

that Britain would leave the EU 

by 2019 and become a ‘fully 

independent, sovereign country’, 

suggesting a complete severance 

from the EU. The uncertainty is 

likely to depress growth 

in 2017, but a recovery is 

expected thereafter. 

The US looks well placed for a pick 

up in growth next year, when new 

President Donald Trump embarks 

on a significant infrastructure 

investment programme. The UK 

also looks likely to see a boost to 

capital spending, after Chancellor 

Phillip Hammond announced a fiveyear, 

£23bn National Productivity 

Investment Fund for innovation 

and infrastructure. 

Global Inflation looks likely to pick 

up from the current low levels, while 

further rises in US interest rates 

are expected through the course 

of the year. 

The prospects 

for stock market 

investors 

The process of withdrawing from 

the EU will be lengthy, to say the 

least, as Government Ministers 

negotiate new trade arrangements. 

The resulting uncertainty may 

produce an ongoing raised level 

of volatility in the UK. This may 

also extend to Europe, which 

faces elections and referendums 

of its own. 

US shares are among the most 

highly rated. But if the proposed tax 

cuts boost both consumer spending 

and capital investment programmes, 

the corporate sector, and 

particularly businesses with high 

domestic exposure, should reap the 

benefits. 

Uncertainty may 

also extend to 

Europe, which 

faces elections 

and referendums 

of its own. 

Many emerging and Asia Pacific 

markets do not look expensively 

rated. However they may 

continue to be volatile if their 

currencies come under pressure, 

and economic data from China 

deteriorates. Longer term, if the 

Chinese economy can move from 

an over-reliance on heavy industry 

to balancing out with a consumer 

focus, this should bode well for the 

global economy. 

Good sources of income remain 

highly sought-after by investors. 

Bond markets globally have recently 

come under selling pressure in 

the face of rising inflation and 

US interest rates. Along with 

anticipation of an increase in 

Government debt issuance to 

fund spending programmes. Many 

investors currently have high 

levels of cash, and equities which 

can deliver a reliable and growing 

dividend stream are likely to be 

in demand. 

What does this 

mean for you? 

Right now, make sure you revisit 

your long-term goals and ensure you 

have a diverse portfolio that suits 

your appetite for risk. Review your 

chosen funds regularly to make sure 

the managers are delivering against 

their objectives and decide if your 

asset allocation needs rebalancing. 

Or if you’d rather not make your 

own asset allocation decisions, a 

Multi -Asset, Multi -Manager, or 

Diversified Growth or Income fund 

could be for you. 

For all the most 

relevant stock market 

information for you, and 

invaluable tips on smart 

investing, visit willisowen. 

co.uk 


2016 Market Review 18 



Blackrock Interview 

Lorem ipsum 


consectetur 

adispicing elit. 


consectetur adipiscing elit. 

Vestibulum condimentum augue 

tincidunt, ullamcorper erat sed, 

tempor magna. Fusce id ligula 

ultrices, feugiat magna lacinia, 

vulputate ligula. Pellentesque 

maximus tempor magna, eget 

imperdiet tellus accumsan vel. 

Maecenas gravida est quis egestas 

pretium. Quisque id rutrum dolor, 

at dapibus ipsum. Cras gravida enim 

eu urna lobortis iaculis ut a ex. Sed 

convallis vitae eros eu commodo. 

Sed et blandit lorem. Nam metus 

dolor, fringilla quis tristique et, 

posuere sit amet est. Phasellus vitae 

nulla sem. Suspendisse augue felis, 

dapibus vel hendrerit vitae, tempor 

eu eros. Praesent eu elit at est 

rhoncus fringilla ac sed urna. Nullam 

sed accumsan lacus. Nulla euismod 

elementum odio, et placerat nisl. 

Duis hendrerit lacinia iaculis. Sed 

interdum turpis vitae odio volutpat, 

nec vestibulum neque faucibus. 

Donec nisi ligula, dictum eu auctor 

ac, maximus nec lectus. Fusce 

pellentesque non magna ultrices 

sollicitudin. Pellentesque molestie 

eleifend lacus ac elementum. 

Morbi efficitur mollis venenatis. 

Maecenas placerat mi neque, ut 

commodo lacus finibus at. Nullam 

id metus suscipit enim faucibus 

ultricies. Aliquam rutrum imperdiet 

fermentum. Maecenas molestie 

risus efficitur mauris placerat, non 

faucibus dui volutpat. Aliquam 

aliquet aliquet ligula, nec facilisis mi 

porttitor non. 

Mauris ac consectetur leo. 

Maecenas diam augue, sodales 

fermentum egestas at, sollicitudin 

et urna. Quisque vel vehicula nibh, 

sit amet mollis tellus. Etiam sit amet 

ornare neque, maximus viverra est. 

Vestibulum suscipit diam sit amet 

nisi consectetur consequat. Etiam 

sollicitudin risus dui, et egestas nisi 

scelerisque a. Proin ultrices metus ac 

felis laoreet, mollis consequat neque 

iaculis. Quisque sed lacus ut purus 

ullamcorper dictum. Donec congue 

tristique hendrerit. Quisque a metus 

auctor, viverra nisi eget, varius 

libero. Nullam sagittis laoreet odio, 

at sodales ligula auctor et. Integer 

id nibh vitae nisi pellentesque 

tincidunt. Ut fermentum auctor leo, 

et pharetra leo accumsan id. 

Proin finibus feugiat mi, vel 

scelerisque lorem luctus in. Nam 

dictum, ex in volutpat pulvinar, 

est erat commodo felis, nec 

faucibus eros mauris hendrerit 

risus. Pellentesque blandit, felis 

vel laoreet tincidunt, tortor nisl 

condimentum enim, a lobortis dolor 

mi vel risus. Suspendisse mollis, nunc 

nec facilisis aliquam, elit felis feugiat 

risus, a luctus arcu arcu non dolor. 

Pellentesque orci orci, egestas non 

molestie sed, blandit sit amet ex. 

Vestibulum quis nulla aliquet erat 

porttitor pulvinar. Praesent sit amet 

ligula quis metus luctus dictum. 

Curabitur sed neque pellentesque, 

volutpat nulla eget, maximus 

turpis. Duis a euismod felis. Fusce 

consequat vel justo a tincidunt. 

Integer vel leo dictum quam finibus 

iaculis efficitur non ipsum. 

Lorem ipsum 


consectetur 

adispicing 

elit. Curabitue 

commodo nulla 

ipsum vivamus. 

Curabitur commodo nulla ipsum. 

Vivamus mattis rhoncus urna, 

sed placerat mi viverra a. Donec 

Nunc lacinia dui ac nisl accumsan 

porttitor. Duis tellus urna, convallis 

nec ipsum et, cursus euismod 

erat.Pellentesque congue, diam 

ut dignissim porta, velit odio 

luctus enim, eget interdum orci 

massa ut velit. 

Sit amet mollis diam, ut semper 

orci. Cras dui massa, posuere 

maximus faucibus eu, iaculis sit 

amet massa. Phasellus dignissim 

pharetra orci, sed malesuada lacus 

sollicitudin fermentum. Aenean 

sit amet pharetra nisi, eu ornare 

nisi. Sed ac ante a libero vehicula 

posuere. Praesent dictum non 

massa dignissim mollis. Pellentesque 

sed tellus vitae dui condimentum 

egestas vitae ac purus. Curabitur 

nec sollicitudin elit, ut pulvinar 

mi. Pellentesque habitant morbi 

tristique senectus et netus et 

malesuada fames ac turpis egestas. 

Vestibulum tristique tortor velit, 

sit amet congue tellus malesuada 

id. Duis efficitur vehicula ante 

eu tincidunt. Cras ullamcorper 

elementum dui, quis dignissim ex 

porttitor ut. Sed pulvinar ac mauris 

in lacinia. Fusce maximus molestie 

ipsum, id luctus nisl congue a. 

Ut tristique quam id est euismod 

posuere. Phasellus ut neque ac 

urna porta ultricies eget sed 

urna. Sed euismod lectus nibh, 

ut lobortis quam interdum vel. 

Mauris a quam odio. Fusce semper, 

nunc eu iaculis pulvinar, odio 

ligula dignissim augue, vulputate 

blandit risus tortor id nunc. Sed 

ac venenatis nibh. Pellentesque 

habitant morbi tristique senectus 

et netus et malesuada fames ac 

turpis egestas. Integer fermentum 

diam vitae venenatis imperdiet. 

Duis dictum, nulla sit amet sagittis 

vestibulum, leo nibh ultricies risus, 

eu gravida neque mi ut urna. Nullam 

et velit arcu. Cras sodales congue 

lectus sed molestie. Sed sodales 

scelerisque dolor, sit amet sagittis 

mi malesuada sed. 

Vivamus at metus ac ligula lacinia 

pretium at sed sem. Nulla eget eros 

eget tellus dapibus pretium sed quis 

augue Integer id. 


Blackrock Page Interview headline 20 

Content TBC 


Explore & invest spread 

Tools 

Images from each 

respective page on the 

website are used for tools. 

Browse 

hundreds of 

Funds, Shares, 

Investment 

Trusts and ETFs 

Filter them 

according to 

your needs, and 

compare potential 

investments 

Tools logos used 

for each page 

By bringing together the Willis Owen Platform 

and the Cofunds Platform, we’ve made it easier 

than ever to fit investing into your daily life. 

The four tools pages sit 

together as a group and 

have similar page layouts to 

reinforce this. 

We’ve simplified Fund Space and Share 

Space to bring you :explore, our new online 

tool for searching, filtering and comparing 

potential investments. 

Whether you’ve been investing 

for a day or a decade, finding the 

right options to suit your plan 

can be as confusing as it is time 

consuming. With : explore, you can 

browse hundreds of Funds, Shares, 

Investment Trusts and ETFs. You can 

then filter them according to your 

needs and use the most appropriate 

ones to build your portfolio. 

: explore also lets you review 

your investments’ performance 

and download Annual Reports, 

Factsheets and Key Investor 

Information Documents (KIIDs). 

When putting together your 

portfolio, remember to keep an eye 

on your goals. For example, if you’re 

looking for long-term growth, it 

would be logical to choose a growth 

fund rather than an income fund. 

Start exploring investment 

options at willisowen.co.uk/ 

explore 

Investing is all about making your 

life better. So we’ve designed our : 

invest tool to do just that. 

You can open ISAs, SIPPs, GIAs and 

JISAs. You can buy, sell and switch 

investments around without the 

hassle of high charges and dealing 

with multiple Fund Managers. 

You can even save time and effort 

by transferring your existing 

investments and holding your whole 

portfolio in one place. 

What’s more, you can start investing 

with just £100. Simply open an 

account, invest in your choice of 

investment options and get your 

financial future underway. 

Begin your 

financial journey 

at willisowen. 

co.uk/invest 

qStart investing with just 

£100 and get your financial 

future underway.q 


Tools 22 

CTA colours match the 

logo for each spread. 

Text drawn out by pull 

out quotes make the 

spread interesting 


Review & play spread 

Tools 

qGain the 

confidence you 

need to invest, 

without risking 

a penny.q 

Compare 

funds against 

each other 

The new and improved version of Your Space and 

Other Assets, : review lets you keep on top of all 

your accounts and investments in one place. 

Register for free in under ten 

minutes, log in and start making 

your finances fit around your life. 

Access Funds, Shares, Investment 

Trusts and ETFs from a range of 

Fund Managers. Search through 

our latest investment research, 

valuations and performance charts. 

Check in on your investments 24/7 

and see how they’re performing with 

a Portfolio Scan. 

Willis Owen’s Portfolio Scan 

aggregates all the data available 

for your funds and then maps the 

characteristics of your portfolio as a 

whole. You can even download and 

print the report, so you can review 

and refer back to it at your leisure. 

Fact sheets are also available 

for all funds and our interactive 

tools allows you to compare 

funds against each other or their 

respective sectors. 

qCheck in on your 

investments 

24/7 and see 

how they're 

performing.q 

Head to willisowen.co.uk/ 

review to start keeping track of 

your investments 

Take the mystery out of investing by trading on 

live stock market data with virtual money. The 

new name for Play Space, : play makes investing 

more accessible than ever. 

With £10,000 of virtual cash at 

your disposal, : play is the ideal 

way to practice, develop and refine 

your skills at any stage of your 

financial journey. 

Investing your hard-earned money 

can feel like a lot of pressure. But 

with : play, you can build a portfolio, 

track your investments, review 

their performance and gain all 

the confidence you need without 

risking a penny. 

You don’t even need to be a Willis 

Owen customer. : play is free to use 

and is a logical first step towards 

owning your financial future. 

Start honing 

your trading 

talents today 

at willisowen. 

co.uk/play 


Tools 24 


Pension Freedom spread 

Pension Freedom 

It’s been nearly two years since the 

introduction of pension freedoms. 

Coloured boxes draw out 

important information in to 

easy to read chunks. 

So what have retirees done with their pension pot? 

Q2 2015 

Q3 2015 

Pension Scams 

It’s clear the Government wants us 

to have more control and 

responsibility over our savings. The 

lifetime ISA (LISA) is available to 

anyone between 18 and 40 and has 

two main purposes. To get on to 

the property ladder and to save for 

your pension. 


Cash withdrawals Drawdown withdrawals Annuity sales Drawdown sales 

£1.4bn 

£1.27bn 

Q4 2015 £860m 

Q1 2016* £750m 

Total 

£4.3bn 

paid out, avg. 

payment of £14,500 £1.29bn 


payment of £14,000 £1bn 


payment of £12,000 £906m 


payment of £19,000 £700m 


payment of £14,500 £3.9bn 

What does this tell us? 

Cash withdrawal 

is slowing down 

The general trend is that retirees 

are withdrawing small pension 

pots as a lump sum, with an 

average size of £14,500. 


payment of £4,300 18,200 20,700 


payment of £3,000 22,380 26,100 


payment of £3,700 21,200 £20,600 


payment of £4,600 18,000 23,200 


payment of £3,800 80,000 90,700 

Less money taken 

out as drawdown 

This could mean people are 

deferring their income taking 

as they recognise a longer 

retirement life. 

• ‘Legal loophole’ and ‘Free pension 

review’ 

• Marketing material with 

promises of over 8% returns on 

your investment 

• Limited time offer given 

• Transferring your pension 

pot abroad 

Unfortunately, once the pension 

pot is transferred to their account, 

there’s little chance the money can 

be recuperated. 

All fi gures are approximates only. Source: ABI 

pension freedom statistics 

In recognition of the rise in pension 

scams, it was announced in the 

Autumn Statement that cold calling 

to sell pension products will be 

banned. While the fraudsters will 

continue to evolve and refi ne their 

techniques, the golden rule to 

remember is that if it’s too good to 

be true, it probably is. 

q Remember 

the golden 

rule: if it 

sounds too 

good to 

be true, it 

probably is.q 

If you think you’ve come across a 

scam, contact the Pensions Advisory 

Service on 0300 123 1047. 

The introduction of 

LISAs 

t’s clear the Government wants us to have 

s available to anyone between 18 

and 40 and has two main 

purposes. To get on to the 

property ladder and to save for 

your pension. 

For every £4,000 saved each year 

within a LISA, there’ll be a 25% 

bonus applied. This offers great 

fl exibility for the millennials who 

and responsibility over our savings. 

The lifetime ISA (LISA) is 

available to anyone between 18 

and 40 and has two main 

purposes. To get on to the 

property ladder and to save for 

your pension. 

For every £4,000 saved each year 

within a LISA, there’ll be a 25% 

investors. They’re more likely to 

understand the concept of saving 

in an ISA, as opposed to ‘tax relief’ 

within a pension. However, this 

also means people may opt out 

of auto enrolment, which means 

your employer won’t contribute to 

your pension. 

LISAs will launch in 2017. It’ll be 

interesting to see how they coexist 

with auto enrolment and whether 

this is a foundation for an ISA-style 

pension in the future. 

In summary: 

1. 

The data suggests people 

are being sensible with their 

pension pot. But only time will 

tell if they’re withdrawing too 

much money to sustain them 

through retirement. 

2. 

Innovative products such as 

LISAs and auto enrolment are 

being introduced to encourage 

and help people to save for 

the future. 

3. 

Scamming methods are 

becoming more sophisticated 

and commonplace. In response, 

the Government is raising 

awareness and implementing 

counter measures. 

Pension Freedom 26 


Willis Owen Infographic 

TBC 

WO Infographic 

It would be useful to have the 

content for this spread ASAP 

as it will take longer to design 

an infographic than a normal 

spread. 




Page headline 28 

Content TBC 


Play advert & Important Information 

Play Advert 


Important Information 

Commission 

Commission-Excluded Funds or Clean 

charges: New rules brought in following 

the Retail Distribution Review have 

been designed to make sure it’s clear 

to you what charges you pay, and to 

whom, when purchasing funds through 

a platform. Historically, your charges 

have all been bundled into one Annual 

Management Charge (AMC) typically 

1.5% per fund, and behind the scenes 

split between your Fund Provider (e.g. 

Jupiter), your platform (e.g. Cofunds) 

and your intermediary (e.g. Willis 

Owen). Going forward, these charges 

will be applied separately. 

The Retail Distribution Review brought 

with it a new share class (commissionexcluded), 

or sometimes known as 

‘clean’ with an equivalent average 

AMC charge of 0.75%. This may sound 

cheaper, but these fund charges do 

not include platform or Willis Owen 

fees. Don’t forget, these industry 

charges were not brought about to 

make investing cheaper, but to make 

things fairer and more transparent. 

Commission-Included Finds charges: 

Willis Owen may receive and annual 

commission form a product provider 

which varies from 0.1%-1% of the 

value of your investment, depending 

upon your fund choice. For example, if 

your fund value averages £4,000 over 

a one year period and the funds in 

which you invest generate an average 

commission to Willis Owen of 0.5%, 

Willis Owen will typically receive a 

commission payment of £20.00 over 

this year. 

How we collect our fee: We arrange 

your investments on either a 

commission basis, or a fee basis. 

Where am investment is arranged 

on a commission basis, we are paid 

commission by the product provider 

and we will not apply any other charge 

in respect of that investment. These 

charges will usually have been built 

into the annual management charge of 

your investment. 

Where the provider of an investment 

which we have arranged for you does 

not pay us commission, you will usually 

pay a lower annual management 

charge for your investment. Our fees 

will be deducted by the platform 

or product provider from your cash 

account, or by unit cancellation from 

your investment(s), and paid to us 

directly. This is our preferred method 

of administering fees but is usually 

only available when you invest through 

platforms or life companies. These 

charges are usually calculated daily, 

but levied on a monthly basis. 

Contact us 

By post Willis Owen Ltd, PO Box766, 

Borehamwood, WD6 9JS, via email 

at enquiries@willisowen.co.uk or by 

phone on 0800 597 2525. 

Complaints 

If you have a complaint about Willis 

Owen Ltd please write to The 

Complaints Department, Willis Owen 

Ltd, PO Box 766, Borehamwood, 

WD6 9JS or contact the Complaints 

Department by phone on 0800 

597 2525. If you cannot settle 

your complaint with us you may 

be able to refer it to the Financial 

Ombudsan Service. 

Compensation 

Willis Owen Limited is covered by 

the Financial Services Compensation 

Scheme. You may be entitled to 

compensation from the scheme if 

we cannot meet our obligations. This 

depends on the type of business 

and the circumstances of the claim. 

Most types of investment business 

are covered and the compensation 

limit is £50,000 per person per firm 

(for deposits the limit is £75,000 per 

person per firm). For more information 

on the scheme please visit the FSCS 

website at www.fscs.org.uk. 

Investment Risk 

The value of units and the income from 

them can fall as well as rise as a result 

of market and currency fluctuations. 

Past performance is not a reliable 

indicator of future results. You are not 

certain to make a profit – you may lose 

money or make a loss and you may 

not get back the amount originally 

invested. If you invest in an overseas 

fund, movements in the exchange 

rate may also cause the value of the 

investment to go up or down. 

All fund facts are provided by FE as at 

19.1.16 unless otherwise stated. 

You should regard the products 

outlined in this document as medium 

to long term investments, and if you 

withdraw money early you may not 

receive back the full amount you 

originally invested. If you take an 

income option, the amount payable 

may not be fixed and could rise 

or fall depending on investment 

performance e.g. if market conditions 

are poor, a lower level of income 

than anticipated could be paid, but if 

investment conditions are favourable, 

more income could be paid. 

Other documents 

Please ensure you have read the Fund 

Document and full product literature, 

all of which are available on our 

website (www.willisowen.co.uk) before 

you go ahead with an investment. 

Money Laundering 

To comply with Money Laundering 

regulations we will make an electronic 

check to help verify your identity 

when you apply to transact with 

Willis Owen Ltd. 

Taxation 

The tax treatment of your investment 

depends on your individual 

circumstances and may be subject to 

change in the future. The products 

outlined in this document may be 

subject to taxes or costs that are not 

imposed by Willis Owen Ltd. 

Cancellation 

If you change your mind you have a 

period of 30 days to contact us to ask 

for your money back. If the value of 

your investment has fallen, you may 

not get back the same amount as your 

original investment. 

Protection of you data 

Willis Owen Ltd is a wholly owned 

subsidiary of Honister Capital 

Holdings 1 Ltd. Any information you 

provide to us will be held in strict 

confidence by Honister Capital 

Holdings 1 Ltd and its associated 

companies, and is only released to 

those third parties who supply services 

to Willis Owen Ltd for administration 

purposes. We may use this information 

to notify you about products or 

services which may interest you and 

we may contact you by letter, phone, 

email or fax. If you do not want to be 

contacted please write to Willis Owen 

Ltd at the Borehamwood address 

above or call 0800 597 2525. 


Important Information 30 

Content TBC 

Important information 

taken from the existing 

ISA Guide 


Back cover 

TBC 


Content TBC 


thank 

you 

Joe Baptiste 

Account Manager 

e: joe.baptiste@six.agency 

t: 0117 915 0066 

Six, The Old Chapel, 16 Oakfield Road, Clifton, Bristol BS8 2AP

11047_WO_ISA_Guide_pres_S2v2

You also want an ePaper? Increase the reach of your titles

Delete template?

Save as template?