Important Investment Risk Information
As we don't know your individual circumstances, none of the information in this website is specific to you; therefore Torquil Clark Ltd can take no responsibility for the decisions you make from it. You must obtain full details of the products and look at your own circumstances, objectives and attitudes to risk before proceeding. If you need advice, please call 0800 2947191.
The TQ Invest website contains information provided by third parties which we believe to be accurate and reliable. Whilst every effort has been made to ensure that all information, including unit prices, fund holdings and portfolio valuations are correct, Torquil Clark Ltd cannot guarantee this and cannot be held responsible for any loss incurred as a result of their use.
Past performance is not a reliable indication of future returns, the value of units and the income from them, can fall as well as rise and you may get back less than your original investment. The investments featured in the website do not provide guarantees and you could lose all your money. The investments are not readily accessible.
All investments are intended to be held for the long term.
Levels and basis of, and reliefs from taxation can change. Tax reliefs referred to are those currently available and their relevance depends on the individual circumstances of the investor and their tax position. As with all investments, the tax treatment of ISAs is subject to change by HM Revenue and Customs.
Income from investments may fluctuate and part of the capital may be used to pay that income.
In addition to any initial charges quoted there may be a bid/offer spread or dilution levy.
Non investment grade bonds are contained in some funds which carry a risk that the capital value of the fund will be affected because they have an increased risk of default on repayment by the issuing companies compared to investment grade bonds.
Before transferring or liquidating an investment you should ascertain whether any exit penalties or initial charges will apply and consider whether it will be beneficial to you over the period of the investment to proceed. If investments are liquidated you may suffer a loss of income or growth, should the market rise, while the transfer remains pending.
Before switching away from funds that are outside your chosen Platform Provider or Fund Supermarket please be aware that some products have to be sold and re-bought in order to get them onto the platform, which will incur charges/costs. If you subsequently decide to move from one Platform Provider to another or you no longer require the service, some providers do not allow re-registration to another provider. The investments have to be sold and re-bought, which will incur costs/charges. Where transfers and re-registration is possible costs may still be incurred and you should expect the process to take some time to complete.
Some products are not available off-platform and only exist within it. This means it could be necessary to sell the investment and thereby trigger a taxable event if you wanted to leave the Platform Provider or Fund Supermarket.
Exchange rate fluctuations may have an adverse effect on the value of non-UK shares.
The model portfolios are not 'personal recommendations' - that is, they might not necessarily be suitable for you and your personal circumstances. Instead, we have designed these so as to provide good prospects of returns for investors looking to commit monies to medium-to-longer term investments. They cater for a range of risk profiles though importantly, even the cautious portfolio can fall in value in the short term. If you are in any doubt as to the suitability of the model portfolio, you should seek the advice of an Independent financial adviser.
SIPPs - If you have, now or in the future, the option of joining an employer's occupational pension scheme, or a pension to which they will contribute, you should consider joining it or making additional contributions to it first. Before transferring any benefits you should also check that you will not lose any valuable benefits including Guaranteed Annuity Rates, higher tax free cash, higher guaranteed returns or membership rights.
Venture Capital Trusts (VCTs) are higher risk investments and although some VCTs may be viewed as less risky as others, investors should remember that VCTs as a whole are higher risk investments.
As well as investing in shares and other assets, absolute return funds can also use derivatives to take short positions in companies. Therefore the returns depend primarily on the managers stock picking skills, not solely on the price of their holdings rising, and the standard analysis of the underlying investments is not applicable. The use of derivatives can under certain circumstances increase volatility and risk beyond that expected of a fund that only invests in conventional equities.