A gem of a way to invest in your financial future

Realising your medium to longer-term lifetime aspirations is important – and so is the journey to get there. That’s why Skipton Financial Services (SFS) has developed a unique, market-leading investment proposition that places strong client service at the forefront every step of the way.

For a minimum investment of £20,000, Monitored Informed Investing (MII) combines several best of breed elements which support an overall aim of delivering you above average returns over the medium to longer-term. We will not only initially take the time to thoroughly understand your personal circumstances, but continually monitor how the MII investments we recommend go on to perform – to ensure they remain right for your objectives.

• SFS has the expertise to give you professional advice and recommend MII Core Fund investments most suited to your needs. We will continually review your investments and keep you informed of their performance on a regular basis. Where we believe it is in your best interest, we will also arrange for you to switch from an underperforming MII Core Fund at no additional charge.
• The Fund Managers of the MII Core Fund(s) we recommend have the proven ability to select the best underlying funds available from across the whole of the market. They also have successful track records of adjusting the asset allocation of investments to make the most of changing market conditions.
• Cofunds, our chosen platform provider, will administer your investments. This makes it more convenient for you to keep track of and manage your MII portfolio, and fund switches are also easier to perform.

"We believe the benefits of MII are entirely aligned with, and emphasise, our whole-of-market approach of putting our customers’ needs first. By placing your interests at the forefront of everything we do, we aim to deliver an all encompassing investment offering that meets your specific needs."

Andrew Barker, Managing Director, Skipton Financial Services

The Funds available through SFS’s Monitored Informed Investing (MII) proposition are not like a bank or building society account as the value of these investments can rise and fall and your capital is at risk. 

MII combines six key promises which collectively make it unique:

Individual Risk and Reward Assessment

We will firstly help you determine your Risk and Reward profile – providing you peace of mind that we will only recommend investments that match your specific needs.

Performance Monitoring

We’ll aim to invest your money into MII Core Funds that deliver above average performance, against their peers, over the medium to longer-term. If we believe any of your MII Core Funds should be switched to achieve this, we will offer to do so and make no charge. If your MII Core Funds underperform over a period of time, we will reimburse our MII Ongoing Charges for as long as this poor performance continues, or until we offer you a Fund Switch.

Minimise Tax

Along the way and on an annual basis, we’ll also help you to maximise any unused ISA allowances through our MII ISA Transfer facility. The tax treatment of any investments does depend on your individual circumstances and may be subject to change in the future, but we’ll help you make sure your investments are as tax-efficient as possible.

MII Quarterly and Annual Reports

We’ll always stay in touch, writing to you four times a year to keep you updated with all your MII investments – including any recommended actions to take. Through this approach, you’ll always be confident of knowing how your investments are performing.

Online Access

In-between MII Quarterly and Annual Reports, you’ll be able to access comprehensive online account information whenever you require.

Helping Your Beneficiaries 

In the unfortunate event of death within three years of investing, SFS will rebate the MII Initial Charges paid to SFS. This means your beneficiaries won’t be disadvantaged by MII charges if the worst happens during your early years of investing.

 

 

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Our corporate brochure will help you find out more about Skipton Financial Services.

To find out more about any of
the services we’ve mentioned
simply:

• Contact your SFS Financial Adviser
• Call a member of our Client
  Help Line on 0800 137 832
• Visit your local Skipton
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  arrange an appointment with
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