Free Money Guides
Select the guides that interest you and complete the form below.

Guide to Investing for Income	Select
Looking for an income? Fidelity's new FREE Income Guide could help you achieve an attractive income in this record low interest rate era. Order your free guide today. Issued and approved by FIL Investments International	PDF
In retirement and wondering how to maintain your standard of living? If you're in retirement you might be wondering how to maintain your standard of living now your main income has dried up. The effects of inflation combined with the fact we're all living longer mean your savings will need to provide you with an income for many years to come. We have a range of investment trusts that aim to deliver the regular income you need, but provide the potential for your savings to grow too. Request our brochure today and receive a FREE guide to investing for income. Issued and approved by F&C Management Limited	Guide
Risk Warnings Hide Risk Warnings RISK WARNINGS The content relating to the past performance of an investment is not necessarily a guide to its performance in the future. The value of investments or income from them may go down as well as up. As stocks and shares are valued from second to second, their bid and offer value fluctuates sometimes widely. The degree of fluctuation of fund values varies significantly and the value of higher volatility funds may change suddenly. The value of investments may rise or fall due to the volatility of world markets, interest rates and capital values or, for investments held in overseas markets, changes in the rate of exchange in the currency in which the investments are denominated. You may not necessarily get back the amount you invested. The levels and bases of, and reliefs from, taxation are subject to change as UK legislation and regulations and the UK tax regime are amended from time to time and any content on this site referring to such legislation, regulations or tax regime should not be relied upon. All content provided through this site is only for your personal information and use, and is not intended to address your particular requirements or to be relied upon in making (or refraining from making) any specific investment or other decision. Dianomi Limited's content shall not constitute any form of advice or recommendation by us. Where you are unsure about any specific investment or other decision, you should obtain appropriate expert independent advice. Nothing included in this site constitutes an offer or solicitation to sell investments to anyone in any jurisdiction outside the United Kingdom in which such offer, solicitation or distribution would be unlawful. For further information on the rights and obligations of both you and us in relation to the use of this site please refer to Dianomi Limited's General Site Conditions which you agreed to when you accessed and used this site.

ISAs (Individual Saving Accounts)	Select
Are you ready for the new ISA rules? Find out how you can benefit from the new ISA rules and save up to 5.5% on this year's ISA. Plus: how to make your existing ISAs easier to manage, reduce paperwork and cut costs. Request your FREE Investor's guide to ISAs from Hargreaves Lansdown today >> Issued and approved by Hargreaves Lansdown Asset Management	Guide
Risk Warnings Hide Risk Warnings RISK WARNINGS The content relating to the past performance of an investment is not necessarily a guide to its performance in the future. The value of investments or income from them may go down as well as up. As stocks and shares are valued from second to second, their bid and offer value fluctuates sometimes widely. The degree of fluctuation of fund values varies significantly and the value of higher volatility funds may change suddenly. The value of investments may rise or fall due to the volatility of world markets, interest rates and capital values or, for investments held in overseas markets, changes in the rate of exchange in the currency in which the investments are denominated. You may not necessarily get back the amount you invested. The levels and bases of, and reliefs from, taxation are subject to change as UK legislation and regulations and the UK tax regime are amended from time to time and any content on this site referring to such legislation, regulations or tax regime should not be relied upon. All content provided through this site is only for your personal information and use, and is not intended to address your particular requirements or to be relied upon in making (or refraining from making) any specific investment or other decision. Dianomi Limited's content shall not constitute any form of advice or recommendation by us. Where you are unsure about any specific investment or other decision, you should obtain appropriate expert independent advice. Nothing included in this site constitutes an offer or solicitation to sell investments to anyone in any jurisdiction outside the United Kingdom in which such offer, solicitation or distribution would be unlawful. For further information on the rights and obligations of both you and us in relation to the use of this site please refer to Dianomi Limited's General Site Conditions which you agreed to when you accessed and used this site.

Guide to SIPPs	Select
Is your pension in the recovery position? Do you know how much your pension is worth? Has it captured this year's stock market growth? Take control of your pension with a low cost SIPP. There is huge investment choice with over 2,200 discounted funds, shares, gilts, bonds ETFs and cash. We charge NO set up fee, NO transfer in fee and No fee to buy and sell funds. Issued and approved by Hargreaves Lansdown Asset Management	Guide
Risk Warnings Hide Risk Warnings RISK WARNINGS The content relating to the past performance of an investment is not necessarily a guide to its performance in the future. The value of investments or income from them may go down as well as up. As stocks and shares are valued from second to second, their bid and offer value fluctuates sometimes widely. The degree of fluctuation of fund values varies significantly and the value of higher volatility funds may change suddenly. The value of investments may rise or fall due to the volatility of world markets, interest rates and capital values or, for investments held in overseas markets, changes in the rate of exchange in the currency in which the investments are denominated. You may not necessarily get back the amount you invested. The levels and bases of, and reliefs from, taxation are subject to change as UK legislation and regulations and the UK tax regime are amended from time to time and any content on this site referring to such legislation, regulations or tax regime should not be relied upon. All content provided through this site is only for your personal information and use, and is not intended to address your particular requirements or to be relied upon in making (or refraining from making) any specific investment or other decision. Dianomi Limited's content shall not constitute any form of advice or recommendation by us. Where you are unsure about any specific investment or other decision, you should obtain appropriate expert independent advice. Nothing included in this site constitutes an offer or solicitation to sell investments to anyone in any jurisdiction outside the United Kingdom in which such offer, solicitation or distribution would be unlawful. For further information on the rights and obligations of both you and us in relation to the use of this site please refer to Dianomi Limited's General Site Conditions which you agreed to when you accessed and used this site.

Guide to CFDs	Select
Receive Your FREE CFD Guide Click to receive your CFD guide, from London�s leading CFD advisory and execution service. Whether experienced or new to CFD trading, Accendo Markets will find the solution for you. � Level 2, DMA trading platform at no extra cost � Pioneering charting software � Full training and ongoing support � Deal with a Dedicated broker � Receive economic and stock-specific research show more... show less Issued and approved by Accendo Markets	PDF
Risk Warnings Hide Risk Warnings RISK WARNINGS The content relating to the past performance of an investment is not necessarily a guide to its performance in the future. The value of investments or income from them may go down as well as up. As stocks and shares are valued from second to second, their bid and offer value fluctuates sometimes widely. The degree of fluctuation of fund values varies significantly and the value of higher volatility funds may change suddenly. The value of investments may rise or fall due to the volatility of world markets, interest rates and capital values or, for investments held in overseas markets, changes in the rate of exchange in the currency in which the investments are denominated. You may not necessarily get back the amount you invested. The levels and bases of, and reliefs from, taxation are subject to change as UK legislation and regulations and the UK tax regime are amended from time to time and any content on this site referring to such legislation, regulations or tax regime should not be relied upon. All content provided through this site is only for your personal information and use, and is not intended to address your particular requirements or to be relied upon in making (or refraining from making) any specific investment or other decision. Dianomi Limited's content shall not constitute any form of advice or recommendation by us. Where you are unsure about any specific investment or other decision, you should obtain appropriate expert independent advice. Nothing included in this site constitutes an offer or solicitation to sell investments to anyone in any jurisdiction outside the United Kingdom in which such offer, solicitation or distribution would be unlawful. For further information on the rights and obligations of both you and us in relation to the use of this site please refer to Dianomi Limited's General Site Conditions which you agreed to when you accessed and used this site.

Investment Trust Guides	Select
Your Guide to Investment Trusts This FREE guide explains simply what investment trusts are, how they work and what they can be used for. Download this free guide to Investment Trusts today and receive the Witan Investment Trust brochure posted to your front door. Witan offers private investors a portfolio of global equities managed by a selection of hand-picked managers. Issued and approved by Witan Investment Services Limited	PDF Guide
Baillie Gifford Free guide to understanding investment trusts Understanding Investment Trusts is your free guide to investment trusts. In the guide you will find out more about investment trusts, their history and the different ways you can invest in them. Request your free copy today. Issued and approved by Baillie Gifford Savings Management Limited	Guide
Risk Warnings Hide Risk Warnings RISK WARNINGS The content relating to the past performance of an investment is not necessarily a guide to its performance in the future. The value of investments or income from them may go down as well as up. As stocks and shares are valued from second to second, their bid and offer value fluctuates sometimes widely. The degree of fluctuation of fund values varies significantly and the value of higher volatility funds may change suddenly. The value of investments may rise or fall due to the volatility of world markets, interest rates and capital values or, for investments held in overseas markets, changes in the rate of exchange in the currency in which the investments are denominated. You may not necessarily get back the amount you invested. The levels and bases of, and reliefs from, taxation are subject to change as UK legislation and regulations and the UK tax regime are amended from time to time and any content on this site referring to such legislation, regulations or tax regime should not be relied upon. All content provided through this site is only for your personal information and use, and is not intended to address your particular requirements or to be relied upon in making (or refraining from making) any specific investment or other decision. Dianomi Limited's content shall not constitute any form of advice or recommendation by us. Where you are unsure about any specific investment or other decision, you should obtain appropriate expert independent advice. Nothing included in this site constitutes an offer or solicitation to sell investments to anyone in any jurisdiction outside the United Kingdom in which such offer, solicitation or distribution would be unlawful. For further information on the rights and obligations of both you and us in relation to the use of this site please refer to Dianomi Limited's General Site Conditions which you agreed to when you accessed and used this site.

Guide to Inheritance Tax Planning	Select
Your Free guide to Inheritance Tax Planning Download this free guide to Inheritance tax planning, sponsored by Octopus Investments. Octopus offer a wide range of products to suit investors with different needs. These include Inheritance Tax (IHT) investment solutions, Venture Capital Trusts (VCT) and Enterprise Investment Schemes (EIS), as well as multi manager funds. Advert issued and approved by Octopus Investments Ltd.	PDF
Risk Warnings Hide Risk Warnings RISK WARNINGS The content relating to the past performance of an investment is not necessarily a guide to its performance in the future. The value of investments or income from them may go down as well as up. As stocks and shares are valued from second to second, their bid and offer value fluctuates sometimes widely. The degree of fluctuation of fund values varies significantly and the value of higher volatility funds may change suddenly. The value of investments may rise or fall due to the volatility of world markets, interest rates and capital values or, for investments held in overseas markets, changes in the rate of exchange in the currency in which the investments are denominated. You may not necessarily get back the amount you invested. The levels and bases of, and reliefs from, taxation are subject to change as UK legislation and regulations and the UK tax regime are amended from time to time and any content on this site referring to such legislation, regulations or tax regime should not be relied upon. All content provided through this site is only for your personal information and use, and is not intended to address your particular requirements or to be relied upon in making (or refraining from making) any specific investment or other decision. Dianomi Limited's content shall not constitute any form of advice or recommendation by us. Where you are unsure about any specific investment or other decision, you should obtain appropriate expert independent advice. Nothing included in this site constitutes an offer or solicitation to sell investments to anyone in any jurisdiction outside the United Kingdom in which such offer, solicitation or distribution would be unlawful. For further information on the rights and obligations of both you and us in relation to the use of this site please refer to Dianomi Limited's General Site Conditions which you agreed to when you accessed and used this site.

Guide to Emerging Markets	Select
Your Guide to Investing in Emerging Markets: Download your free guide to investing in Emerging Markets and receive J.P.Morgan Asset Management's ISA pack highlighting a selection of their Emerging Market investment trusts. Download the guide now. Issued and approved by JP Morgan Asset Management Marketing Limited	PDF
Risk Warnings Hide Risk Warnings RISK WARNINGS The content relating to the past performance of an investment is not necessarily a guide to its performance in the future. The value of investments or income from them may go down as well as up. As stocks and shares are valued from second to second, their bid and offer value fluctuates sometimes widely. The degree of fluctuation of fund values varies significantly and the value of higher volatility funds may change suddenly. The value of investments may rise or fall due to the volatility of world markets, interest rates and capital values or, for investments held in overseas markets, changes in the rate of exchange in the currency in which the investments are denominated. You may not necessarily get back the amount you invested. The levels and bases of, and reliefs from, taxation are subject to change as UK legislation and regulations and the UK tax regime are amended from time to time and any content on this site referring to such legislation, regulations or tax regime should not be relied upon. All content provided through this site is only for your personal information and use, and is not intended to address your particular requirements or to be relied upon in making (or refraining from making) any specific investment or other decision. Dianomi Limited's content shall not constitute any form of advice or recommendation by us. Where you are unsure about any specific investment or other decision, you should obtain appropriate expert independent advice. Nothing included in this site constitutes an offer or solicitation to sell investments to anyone in any jurisdiction outside the United Kingdom in which such offer, solicitation or distribution would be unlawful. For further information on the rights and obligations of both you and us in relation to the use of this site please refer to Dianomi Limited's General Site Conditions which you agreed to when you accessed and used this site.

Guide to Venture Capital Trusts (VCT)	Select
- What are Venture Capital Trusts (VCTs)? - How do VCTs work? - What are the tax reliefs available for investors? Download this free guide to Venture Capital Trusts, sponsored by Octopus Investments. Octopus offer a wide range of products to suit investors with different needs. These include Venture Capital Trusts (VCT), Enterprise Investment Schemes (EIS) and Inheritance Tax (IHT) investment solutions, as well as multi manager funds. Download your free guide now. Advert issued and approved by Octopus Investments Ltd.	PDF
Risk Warnings Hide Risk Warnings It is important you read, understand and acknowledge these notes. Any investment in a Venture Capital Trust (VCT) should be viewed as a high risk and long-term commitment (i.e. at least over five years, but plan for a seven to ten year timeframe). Due to the nature of the underlying assets, VCTs are highly illiquid. As such investors must be aware that they may have difficulty, or be unable to realise their shares at levels close to that that which reflect the value of the underlying assets. The tax incentives available to investors exist in order to attract investment into an asset class that warrants high risk categorisation. A brief summary detailing the primary risks of investing in VCTs: * VCTs invest in small UK companies. The failure rate of these is typically much higher than that of larger companies. Qualifying companies must have gross assets of no more than �7 immediately before investment. * All VCTs are inherently illiquid. The underlying investments are primarily in small companies, either unquoted or listed on AIM or OFEX. These investments may be extremely difficult for fund managers to realise at fair value, and therefore shareholders may not be able to dispose of shares at a price that reflects the value of the underlying assets. There is unlikely to be an active market in the shares. Any buy-back policies in place are always subject to liquidity. The future realisation of shares at, or close to net asset value can never be guaranteed by a VCT manager. * VCTs are quoted on the stock exchange and, like investment trusts, usually trade at a discount to net asset value, which reflects the likely realisable value of the assets at any given time relative to the net value of the assets. * There is currently no effective secondary market for VCT shares, primarily because the initial income tax relief is only available to those subscribing for newly issued shares. This compounds the difficulties shareholders may encounter when attempting to sell VCT shares. * Shareholders must retain VCT investments for at least five years. If shares are sold within this period, the initial income tax relief will be required to be repaid. All tax reliefs are subject to change. * VCT managers have three years from the issue of shares to invest 70% of the fund's assets in qualifying companies. If this is not achieved the fund's status as a VCT is risked meaning investors could lose their tax relief. There are additional requirements that VCTs must meet (detailed in the section: About Venture Capital Trusts). If the VCT fails to meet the requirements, HMRC may withdraw the fund's status as a VCT and associated tax reliefs. * VCTs should be viewed as long-term investments. They are designed to give shareholders their capital gain through a tax free dividend stream. Although investors may be free to dispose of their holding after five years (in order to retain their initial income tax relief) we recommend investors should expect to retain their shares for no less than a period of seven to ten years. * Investment strategies employed by VCT managers differ enormously. To understand the likely nature of the underlying investments, timeframe and return expectations, we strongly recommend individuals considering a VCT investment to contact us for independent advice. * Always read the 'Risk Warning' notices included in VCT Securities Notes. * Beware of investing in VCTs that do not have critical mass. We believe that a VCT usually requires assets of approximately �10 million in order to achieve a spread of investments and thus lower company specific risk within the portfolio. Smaller VCTs may be less diverse (increasing risk) and prove more costly to manage. * VCTs are complex investment products and are only suitable for sophisticated investors. * Past VCT performance is not and never should be used as a guide to future VCT performance. The value of your investment may go down as well as up.

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