Why should I use TQ Invest?

There are a number of reasons, but the most important one is our discounts. If you invest directly with the fund manager you could pay over 5% in charges, so your investment is lower in value before you even start. We negotiate with fund managers so that you don't have to pay those charges. We also offer a range of research tools to enable you to make your investment decisions, and we have experts at the end of the phone waiting to help with any questions you may have.

What is the Premier Club?

The Premier Club is the name we have given to a new service we have. Instead of keeping all of the commission we receive, we take a set level of income and give the rest back to you as cashback. It also allows you to manage your wealth on one page.

What is a platform?

A fund platform is like a supermarket for investment funds. Instead of being restricted to buying the funds of one fund manager, you are able to choose from over 1,000 funds from more than 50 fund managers. TQ Invest currently offers access to both Cofunds and FundsNetwork platforms.

What is re-registration?

In its simplest form, re-registration simply takes the administration of the investments you hold with fund managers and places it with a fund platform. Your money still stays with the fund manager, but the paperwork moves to the platform.

How do I transfer my investments to TQ Invest?

It is relatively easy and only requires a few forms to be completed, which can be done by calling a member of the TQ Invest Team on 0800 294 7221.

For ISA and Investment Funds you don't already hold on a fund platform, you can apply to re-register these with either Cofunds or FundsNetwork through TQ Invest and we will then become your broker for these investments. For any you already hold on either platform, or for non ISA or Investment Fund investments, you can assign TQ Invest as your broker with a transfer of agency form.

By having TQ Invest as your broker, we are able to give you valuations and answer any question you have about these investments. For Premier Club members, any investments you transfer to TQ Invest can be viewed on this site.

Can I set up online access to monitor and deal in my investments online?

Yes, you can register to view any ISAs and investment funds online by visiting the registration page. However, they must be on either Cofunds or FundsNetwork platforms. If you have already registered, any new investments you open in your name will be displayed in the same place.

For Premier Club members we also show any other investments you hold through TQ Invest, such as VCTs or Investment Bonds, and also allow you the option of inputting any investments you hold elsewhere. This enables you to keep track of your wealth on one page.

If you are already a TQ Invest customer and would like to set up online access, you can register for online access on our homepage.

How much can I invest in an ISA?

Each year you are able to place £10,680 into an ISA - tax free. You may choose to split this between a cash ISA and an equity ISA, each with a limit of £5,340, or invest the whole £10,680 into an equity ISA. Remember, once you have used your entire ISA allowance you can't invest any more, even to replace money you have withdrawn from your ISA during that tax year. Find out more about ISAs.

Can I transfer my Cash ISAs into an Equity ISA?

Yes, existing Cash ISAs can be transferred into an Equity (stocks & Shares) ISA but please remember that this transfer is not reversible. Once you have transferred a Cash ISA into an Equity ISA you cannot transfer back.

Unlike stock market investments, Cash ISAs offer immediate access and your capital is guaranteed. Furthermore within Cash ISAs you receive your interest gross, but while you hold cash in an Equity ISA the interest is effectively paid net. That said, historically, stock market investments have delivered superior returns when compared with cash over the longer term, although they can fall in value as well as rise. If you are interested in transferring your Cash ISA into an Equity ISA please contact the TQ Invest Team.