What is the Costs and Charges Disclosure Document?
The Costs and Charges Disclosure Document provides you with a generic example of the costs and charges associated with your portfolio (both the product, service and ancillary costs) in a percentage and monetary amount. There is also an illustration of the potential cumulative effect of costs on the return on investment over time.
Please note the illustrations in each Costs and Charges Disclosure Document are based on assumed growth rates and are not reliable indicators of future performance. You may not get back what you originally invested. Please also be aware that the Costs and Charges Disclosure Documents provided below are for the execution only service, they do not take into account the cost of any advice you may receive. If you invest through advice with HSBC your relationship manager will be required to provide you with the relevant Costs and Charges Disclosure Document for your chosen model which will include the advice cost. This will provide you with a generic example of the costs and charges associated with your portfolio (both the product, service and ancillary costs) in a percentage and monetary amount, which includes any associated cost of advice.
How do I find the right Costs and Charges Disclosure Document?
There is a Costs and Charges Disclosure Document for each Premier Investment Management Service (PIMS) portfolio and World Selection fund. Please click on the relevant link(s) from the list below, which will open a PDF document. If you are unsure which model/ fund you are invested in, you can either contact your relationship manager or check your quarterly statement. We recommend that you download or print the Costs and Charges Disclosure Document and retain it for your records.
| PIMS investment model |
|---|
| Conservative |
| Cautious |
| Balanced |
| Adventurous |
| Dynamic |
| Income |
| Trust |
| PIMS investment model | Conservative |
|---|---|
| PIMS investment model | Cautious |
| PIMS investment model | Balanced |
| PIMS investment model | Adventurous |
| PIMS investment model | Dynamic |
| PIMS investment model | Income |
| PIMS investment model | Trust |
All investments carry some risk. The value of investments (and any income received from them) can fall as well as rise and you may not get back what you invested. For some investments this can also happen as a result of exchange rate fluctuations as shares and funds may have an exposure to overseas markets.
Most investments should be considered as a medium to long-term commitment, meaning you should be prepared to hold them for at least five years.
The value of any tax benefits described depends on your individual circumstances. Tax rules may change in the future.
If you have any queries please either contact your relationship manager or Premier Direct on 03457 707070