Fund Discounts

Fund Discounts - Execution Only

Where the investor is able to select their own ISA’s/Unit Trusts/OEIC’s/Pension Funds/ Investment Bond without requiring individual advice from AC Financial Ltd significant initial fund discounts are available.

These will take the form of commission rebates and in some cases additional specially negotiated additional initial discounts. For example, the initial charge on many Unit Trusts/OEIC’s is typically 5% and in many cases this will be eradicated saving the investor as much as £500 on a £10,000 investment. These discounts are only available where the application forms are placed through our Company and are NOTavailable directly with the product Companies.

Fund Platforms for UT’s & OEIC’s

Fund platforms allow the investors to hold many different funds in one place and also provide a convenience of administrations and usually ongoing discounts. Investors with existing UT/OEIC funds can usually re-register these free of charge to add to new investments. Where a platform is selected our discounts can sometimes be greater than usual. Ongoing discounts, where for example the investor switches funds later on, are also available by placing your initial investment through a ‘Fund Platform’. This means that if you switch funds at a later date you will automatically receive a further discount and avoid the possible high initial charge on your new fund.

You should be aware that by choosing the ‘Execution Only’ route you are forgoing any right to claiming compensation from AC Financial Ltd for inaccurate or unsuitable advice. This does not however exclude you from the Financial Services Compensation Scheme in terms of making a legitimate claim in the event that regulated funds or schemes that you invest in get into difficulties. The amounts claimable are described in our Compensation pages on this site.

Insurance ( Investment) Bonds

Where these are selected there is often an initial enhancement to the amount you invest, this is usually based on the amount invested. So for example a £10,000 investment might have £10, 200 invested and we might add a further £300 whereas (total invested for you £10,500) a £100,000 investment could have a total of £108,000 initial invested. The discounts do depend on the bond selected. However, these bonds generally have a 5 year minimum investment with tapered exit charges over and above annual regular withdrawals allowance limits. Therefore you need to check that they are suitable.

Pension Funds

If you are investing from a SIPP, SSAS or require Pension Transfer from an existing Scheme/s please discuss this with us first as there will be no charge for an initial consultation where the total of funds considered are £50,000 + or a minimum of £1,000 on a monthly regular basis.

Any other Investments i.e. Unregulated funds, VCT’s, EIS’s etc

Please call or email info@ac-financial to discuss your requirements and discounts.

To enable us to provide you with a list of discounts please inform us of your selected investments - we will need to know which funds you require, amount of investment in each fund, a telephone number and email address here