Collectives

Collectives
Collectives

A Collective Investment is an arrangement that enables a number of investors to ‘pool’ their assets and have them professionally managed. Collectives are a simple route to investing in stocks and shares and typically incorporate a number of asset classes, including Gilts, Corporate Bonds, Property and Equities.


Collectives include savings vehicles such as Unit Trusts and OEICs – and your investment can be held inside a tax-efficient ISA wrapper. They can range from single assets, such as UK equities, to funds that invest in a range of asset classes such as Managed Funds or Fund of Funds (see the Fund of Funds section for more information).


A feature which can be used in conjunction with Collectives is a Platform; this can allow you to hold your ISAs, Unit Trusts and OEICs in one place and receive consolidated reports and valuations.

Benefits

• You can invest monthly or as a lump sum
• Low investment limits
• Wide fund choice
• Competitive charges – typically 1 to 2% Annual Management Charge
• Investment can be held inside a tax-efficient ISA wrapper

Potential Drawbacks

• Risk to the capital return
• Not suited for short-term investing

Taxation

• Income subject to income tax
• Gains subject to capital gains tax

 

All investment returns are determined by performance, market conditions and overall economic factors.


To read about your other investment options, click on the following links:

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