Investment Links

This page offers a link through to FundsNetwork, the fund supermarket run by Fidelity International.

Investing through FundsNetwork offers a range of over 1000 funds managed by 55 investment companies plus a wide range of other benefits.

• You can mix and match funds from several companies within a single account. This means that you could use your yearly Individual Savings Account (ISA) allowance to "cherry pick" funds from different fund managers.
     
• You can get one statement a year, no matter how many fund companies feature in your portfolio.
    
• You can use Fidelity's online Account Manager service to check the value of your investments whenever you want to - 24 hours a day, 7 days a week
    
• You can move money from fund to fund within FundsNetwork whenever you like - with a switching fee that is usually just 0.25%, although you may need to pay additional charges on some types of investment.

If you hold investments with different investment companies, you may be able to bring them together on FundsNetwork. This means that your money will stay with your current investment companies but you will have the benefit of a consolidated picture of all your fund holdings and will only have to deal with one company when you want to make any changes to your portfolio. This is called re-registration. Please let us know if you would like further information.

We offer a full advice service on investments which is based on your individual circumstances, objectives and risk profile but if you would like to take to advantage of our weblink below, you can make investments directly in unit trusts and open ended investment companies (OEICs). You may want to use your ISA allowance for doing this.

Please click here to link to FundsNetwork. By using this link you will be leaving the St Thomas Beckenham website

To simplify the fund selection, you may want to consider one of the Fidelity ISA selections which are available on the FundsNetwork website. These selections are not offered with advice so it is important that you consider whether they are right for your individual investment needs. Fidelity will not actively monitor and manage the package of funds and your investment needs are likely to change over time.

The value of investments and the income from them can go down as well as up and you may not get back the amount you invested. For funds that invest in overseas markets, changes in currency exchange rates may affect the value of your investment. The information which follows does not constitute a recommendation by us but is provided for information only. Full details can be found on the weblink above.

Cautious ISA - A lower risk selection of funds for your ISA

The following 5 funds have been chosen by FundsNetwork with the more cautious investor in mind. The Cautious Package is primarily UK based, mixing Corporate Bond and UK Equity Income funds. A global aspect has been included with the addition of a Global Property Fund. The funds seek to offer a level of income and are also looking to achieve some capital growth.

• AEGON Sterling Corporate Bond Inc
• Artemis Income Fund Inc
• Fidelity FIF Global Property Fund Acc
• Invesco Perpetual High Income Inc
• Old Mutual Corporate Bond Fund Inc

Balanced ISA - A balanced selection of funds for your ISA

The following 5 funds have been chosen by FundsNetwork for those who are looking for a more balanced portfolio. The Balanced Package mixes UK Bond and UK Equity funds along with exposure to European Equity and Global Property.

• Fidelity FIF European Fund
• Invesco Perpetual Income Inc
• New Star Fixed Interest
• Schroder UK Mid250 Inc
• Standard Life Select Property Fund Inc

Growth ISA - A selection of exciting ISA funds for capital growth

The following 5 funds have been chosen by FundsNetwork for those who are seeking capital growth. The Growth Package mixes UK, European, Asian and Emerging Market Equities along with UK Property for a highly diversified offering.

• Aberdeen Asia Pacific and Japan OEIC
• Artemis European Growth
• JPM Emerging Markets A Acc
• Jupiter Income Trust
• New Star Property Unit Trust Acc

Investment limits

The minimum investment for most funds is £1,000 as a lump sum and £50 a month in a regular savings plan. After your initial investment you can top-up your holding from £250. The maximum you can invest each year is £7,000 in a Maxi ISA or £4,000 in a Mini Stocks and Shares ISA.

When considering your options, remember that the ISA is not an investment in itself. It is a "wrapper" that protects your investments from personal liability to tax (although the underlying investments held in your selected funds may have already paid tax). Outside an ISA there is no limit on the amount you can invest, but you may have to pay tax on your returns.

The value of tax savings and eligibility to invest in an ISA will depend on individual circumstances and all tax rules may change in the future.