Frequently asked questions.
You can apply to invest with Thameside online. Our easy application takes around 5 minutes to complete.
Click the 'Open account' button in the navigation and create your account today.
UK residents can open a General Investment Account with us.
To be eligible for a Stocks & Shares ISA you must be a UK tax resident.If you live in the UK but are a US tax resident and wish to invest with us, please get in touch.Yes, if your main residence is in the UK. Unfortunately, US citizens cannot invest with Thameside.
As the Manager re-balances every Tuesday, it may take up to 7 days for your investment to begin once we have received your initial payment.
Not yet. While the investments within the plans are SIPP eligible, we do not currently offer personal pensions.
If you invest in a Stocks & Shares ISA you do not have to pay any capital gains tax if your investment plan performs. However, you can only invest up to your ISA allowance of £20,000 a year. Also, you can only pay into one Stocks & Shares ISA a year.
A GIA is unlimited so you can invest as much as you want. However, you may be liable to pay capital gains tax.
Yes, you can transfer your current Cash ISA, Stocks & Shares ISA or Innovative Finance ISA to Thameside for free.
Applying to Thameside will not affect your credit rating.
We run a 'soft credit check' to confirm your identity to keep your money safe and comply with our regulatory requirements.
We only ask you for personal details that are necessary to comply with European 'Know Your Customer' requirements that apply to all financial institutions.
This information allows us to carry out due diligence checks to ensure we maximise security for our investors.A performance fee is a type of fee which aligns us with you, our clients. It is a fee that is only charged during periods of positive return above a benchmark.
To calculate your performance fee, we evaluate a benchmark for each account you hold with us.
The benchmark is derived from the target return of your investment plan - 3%, 5% or 7% return per year.
At the end of each month, we review the actual performance of your plan against your benchmark.
If the actual performance of your plan is over the benchmark, you are charged 50% on the excess performance. If your plan underperforms the benchmark, you are not charged a fee.
We always consider all-time account performance when calculating the performance fee. This ensures that you are not charged twice for the same performance – even if your plan is performing above its benchmark.
The ‘benchmark’ is a measure used for comparison when working out investment performance. By comparing your investment’s performance against a benchmark, we can see if you are on track to be above or below your target rate of return.
The benchmark is derived from the target return of your investment plan - 3%, 5% or 7% return per year.
We break down your annual target return into an equivalent monthly rate. Each month after you start your investment, your benchmark increases.
For example, the five. Plan has a target return of 5% per year. If an account has been open for 2 months, the benchmark would be approximately 0.82%.
For full details on how we calculate the performance fee, please read our Terms & Conditions.
As the 'performance-fee-only' model is a new approach - and based on the performance of the investment plans, it is hard to compare costs directly to any other provider.
Unlike most investments that charge a performance fee, this benchmark is a set figure rather than an index. This is to make it clearer to see when you are on or above target.
You only charged one fee to invest with us – the 50% performance fee.
You may be charged costs by the investments within your plans of around 0.2% a year. These costs are indicative and may vary dependent on the investments in your plan. These charges are levied by selected third party fund providers. The Investment Manager will consider best value when selecting funds.
No. We do not charge a management fee. Any management costs are covered by the performance fee.
The performance fee is charged on a monthly basis. As the performance fee is dependent on the actual performance of your plan, we are unable to predict how much you will pay a month.
The target growth of our plans is quoted after (net of) fees. Until your plan is on track to hit its target growth each month, you are not charged the performance fee.
Your money may be covered up to £85,000 by the Financial Services Compensation Scheme (FSCS).
In the event of our insolvency, you may be able to claim compensation with FSCS. Please note that the FSCS does not cover poor investment performance.
Additionally, your money is held by a secure custodian with the Bank of Scotland, and we do not directly handle client money.
This means any money you have invested with us is held in a segregated account.
In the event that Thameside go into administration, your money is ring fenced and any creditors will not be able to touch it.
We are a new kind of investment platform that helps people invest easily without management fees, based in Henley-on-Thames.
Want to meet our leadership team and investment managers? You can meet the team here.
We want to make sure everyone has accessible and affordable access to wealth management. No money jargon. No hidden fees. Just three simple investment plans.
The investment plans are exclusive and are not currently available with any other provider.
Read more about why people choose to invest with Thameside here.
In the UK, many of us are not confident we are saving or investing enough to support ourselves later in life.
This means we have to make our money work harder for it to grow. Investing money gives it more potential to grow. However, unlike savings, you need to manage risk vs reward. This is because the value of your investments can go down as well as up.
Other investment platforms offer 1,000's of funds and bundles of shares. It can be hard to find investments that fit your needs.
We keep it simple. We have three investment plans we truly believe in. Each plan is fully diversified and risk-profiled on your behalf. All you need to do is choose the plan for you.
You can invest from as little as £100 and there are no fixed-term or minimum monthly payments.
No, you are not locked in and you can ask to withdraw your money at any time. Investing should be seen as long term, generally 5 years or more. However, our investments are 'liquid', meaning you can ask to withdraw at any time.
As we re-balance our plans once a week, it may take up to 12 working days for the withdrawal to be processed. Your withdrawal will be sent by bank transfer to your saved bank account as cash.
Please note that you may be charged a pro-rated performance fee upon fully withdrawing your account.
Each of our investment team has over 20 years' experience in managing funds across global exchanges, hedge funds, and in investment houses for global banks such as Bank of America and HSBC.
While it is entirely possible to create a DIY portfolio with another provider, you will not be able to access our Thameside strategies.
The Global Alpha and Illuminator UK are strategies exclusive to Thameside and are only available to retail investors via our platform.
You also may have to pay multiple fees - and will likely have to pay whether your portfolio performs or not.
No, Thameside do not offer financial advice. Our platform is "execution-only", which means you are responsible for making your own investment decisions.
As such, the information on this website is not intended to be advice or personal recommendations of any kind. If you are unsure about whether our investment plans are right for you, please talk to an independent financial advisor.
General Investment Accounts may be ideal for people who have used up their ISA allowance.
You can invest an unlimited amount in a GIA, starting from £100.
If you've filled your ISA, but still want to keep up the habit of regular investing, you can use a GIA.
Any UK tax resident over 18 years old can open a GIA. Open yours today.
You can choose from three ready-made investment plans. Each plan is built and managed by the experienced investment managers.
You can read all about the plans here.
You can invest with a GIA from £100 with no minimum monthly top up. There is no upper limit to how much you can invest each year.
Unlike an ISA, you may have to pay tax when investing in a GIA. You may pay income tax on any income you receive from the GIA, and capital gains tax on any growth.
Yes, you can. However, you will have to sell your current investments and transfer your funds over in cash.
Our plans give you access to a diverse range of investment funds in a single investment.
All you need to do is top up your plan. Then, the investments in your plan are managed on your behalf.
Each plan has an annual growth target and a risk profile.
For example, our five. plan has a target growth of 5% a year, and a 'balanced' risk profile.
The investment manager has selected investments they believe will keep your plan on track to hit it's target growth while staying within its risk profile.
If they believe the plans need adjusting to hit our growth targets or to stay within the risk profile, they will re-balance the plan on your behalf.
Our growth targets tell you how much we are aiming to grow your money year-on-year.
They are to help you plan ahead, but please remember our growth targets are not guaranteed. The actual performance of your plan may vary.
For example, our five. plan has a target growth of 5% a year.
We also use the target growth for each plan as the benchmark for the performance fees.
You will not be charged a performance fee until your plan is on track to hit its annual growth target.
We offer three risk-profiled investment plans. Each plan has a return target that tells you how much we are aiming to grow your money year-on-year – after all costs and charges.
Our plans aim to hit the return targets by making modest returns, regardless of how the stock market is performing.
The investment manager will review the return targets for each portfolio annually and reserve the right to adjust these up or down. This might mean raising the return target when the stock market is performing well but reducing it when the conditions are poorer.
An ISA, or Individual Savings Account, is a type of investment account.
ISAs are seen as an easy way to invest - both for new starters and experienced investors. Probably because they are quick to open, have consistent rules and are tax-efficient.
Unlike some other account types, ISAs allow you to invest tax-free. A Stocks & Shares ISA is an investment account where all capital gains and income are protected from tax.
Any UK resident over 18 years old can open a Stocks & Shares ISA.
We do not charge for opening an ISA with us. That means no setup or administration fees.
Most investments charge whether you make money or not. With us, you are only charged for performance.
You can start investing with us from £100.
You can add up to £20,000 into your ISA each tax year. This is known as your 'ISA allowance'.
Your ISA allowance resets each tax year. You can spread your ISA allowance across all your ISAs, or use your entire allowance with one ISA.
You can only open and pay into one Stocks & Shares ISA this year.
You can choose from three ready-made investment plans. Each plan is built and managed for you by experienced investment managers.
You can read all about the plans here.
Your ISA protects any money you put in from tax. You do not have to pay tax on any income, growth or interest made on any money you've added to your ISA. That means you do not pay any capital gains tax if your ISA increases in value.
You also do not have to pay tax on any dividend income payments. This means easier tax returns and straightforward returns - what you see is what you get.
Once you take your money out of your ISA, it is no longer protected and may be taxable.
Please bear in mind that ISA rules apply and may change in the future.
Transferring your ISA to us is easy, effortless and free. You can read about how to transfer your ISA to us here.
You can choose from three ready-made investment plans. Each plan is built and managed by the experienced investment managers.
You can read all about our plans here.
If you transfer your ISA with us we can make sure your money keeps its tax-free status.
Never withdraw money from your current ISA you want to transfer. Your money could lose its tax-free status, which is a waste of your diligent ISA investment.
Yes, we can. When you apply to transfer your ISA you can request a Freepost envelope with your pre-filled ISA transfer form. All you need to do is sign the form and pop it in the post. No stamp required.
It could take up to 30 days to complete your ISA transfer. This is because we need to work with your current provider to handle the transfer on your behalf.
Occasionally it may take over 30 days. Don't worry, we will keep you up-to-date with our progress.
Some ISA providers require a signature from the account holder before they can authorise a transfer. By sending us in a signed ISA transfer form we can make sure your transfer goes smoothly, without having to ask you for more info.
Your money is kept secure in two ways.
- We are FSCS protected. In the unlikely event that we go into administration, you may be covered up to £85,000 by the Financial Services Compensation Scheme (FSCS).
- Your money is held in a ring-fenced account by our custodian. That means every investor's cash and investments are held in a separate account by an independent third-party
Please note that the FSCS is not intended to protect an investment against poor performance.
Each of our plans has a risk profile. The risk profiles are built to meet the three main risk appetites of today's investors.
- three. - Cautious
- five. - Balanced
- seven. - Adventurous
The risk profiles help you find the ideal plan for you. If you prefer to be careful with your money, you may be a Cautious investor.
If you are comfortable with taking on more risk for higher potential rewards, you may be an Adventurous investor.
If you are unsure about which risk profile is right for you, consider talking to an Independent Financial Advisor (IFA).
Your investment risk appetite is how comfortable you might be with different degrees of investment risk.
The industry has a common method for helping you easily assess each of Thameside’s three portfolios – a risk/return profile.
The risk/return profile of any fund or portfolio is shown in the form of a risk scale from 1 (lower risk with lower returns) to 7 (higher risk with higher returns).
It is to help you understand the performance potential of a portfolio relative to this risk it poses.
We use this standard risk/return profile to set the risk profile of our plans. If you were to invest in any of three ready-made investment plans, you can use these profiles to work out if they fit your risk appetite.
Thameside risk/reward profiles.
- Three. - 3/7
- Five. - 4/7
- Seven. - 5/7
Please remember that just because an investment is in the lowest risk category does not mean it is risk-free.
That's up to you and your financial situation. We are not financial advisors, so cannot give you personal recommendations.
You can transfer your plan at any time. So if your circumstances change, you can move to a plan with a different risk profile.
If you are unsure what risk profile you fit into, you should consider talking to an Independent Financial Advisor (IFA).
'When investing, your capital is at risk'. If you have been researching investment providers, you have probably seen this statement many times. But what does it mean to you?
In simple terms, investing is buying things you think will increase in value in the future.
These predictions don't always come true. This means that any investments you buy might decrease in value. They may end up being worth less than the cash you started with.
In extreme cases, you may lose a large part or all of your investment. You maybe covered up to £85,000 by the Financial Services Compensation Scheme (FSCS) in some cases. Please note, the FSCS does not cover losses from poor investment performance.
There are risks to not investing too. Inflation is currently higher than mostsavings rates. That means the costs of everyday goods and services is increasing faster than the value of cash savings.
Investing gives your money the potential to grow above inflation. The target returns of our plans are all currently above inflation. Remember, the target returns are not guaranteed.
Yes, some investments are riskier than others. Generally speaking, the higher the potential reward of an investment, the higher the risk.
This is because the types of investment are more likely to quickly increase in value, like company shares, are more likely to go up and down in value dramatically over short periods. The ups and downs in performance are called 'volatility'.
More volatile investments are seen as higher risk.
That's why we give each of our plans a risk profile, to help you understand how much risk is associated with each of our plans at a glance.
There are a few things you can do to help reduce risk when investing.
- Invest for the long term. The longer you invest for, the more chance your money has to grow. Also, you are less affected by short term ups and downs in performance.
- Invest on a regular basis. Investing in chunks over time means you are less affected by what is happening in the stock market at any particular point in time.
- Only invest what you can afford. This means you don't have to dip into your investments until you reach your investment goal.
Sure! We love our investors and are always happy to help. Our customer service team is based here in Henley-on-Thames. Get in touch.
We strive to provide excellent service, both with our platform and our customer service. However, we understand that you may still feel disappointed.
We value your feedback as it helps us improve our service. So if you have any feedback please get in touch with our customer service team.
If you have a formal complaint, please send it to complaints@thameside.co.uk.
Our complaints procedure is in line with FCA guidelines, and we always try to go above and beyond our requirements. If you are unhappy with the way your complaint has been handled you may be able to refer to the Financial Ombudsman Service (FOS).
The FOS will not address your complaint until you have contacted us, so please get in touch with us before you refer your complaint.
You can apply to invest with Thameside online. Our easy application takes around 5 minutes to complete.
Click the 'Open account' button in the navigation and create your account today.
UK residents can open a General Investment Account with us.
To be eligible for a Stocks & Shares ISA you must be a UK tax resident.If you live in the UK but are a US tax resident and wish to invest with us, please get in touch.Yes, if your main residence is in the UK. Unfortunately, US citizens cannot invest with Thameside.
As the Manager re-balances every Tuesday, it may take up to 7 days for your investment to begin once we have received your initial payment.
Not yet. While the investments within the plans are SIPP eligible, we do not currently offer personal pensions.
If you invest in a Stocks & Shares ISA you do not have to pay any capital gains tax if your investment plan performs. However, you can only invest up to your ISA allowance of £20,000 a year. Also, you can only pay into one Stocks & Shares ISA a year.
A GIA is unlimited so you can invest as much as you want. However, you may be liable to pay capital gains tax.
Yes, you can transfer your current Cash ISA, Stocks & Shares ISA or Innovative Finance ISA to Thameside for free.
Applying to Thameside will not affect your credit rating.
We run a 'soft credit check' to confirm your identity to keep your money safe and comply with our regulatory requirements.
We only ask you for personal details that are necessary to comply with European 'Know Your Customer' requirements that apply to all financial institutions.
This information allows us to carry out due diligence checks to ensure we maximise security for our investors.A performance fee is a type of fee which aligns us with you, our clients. It is a fee that is only charged during periods of positive return above a benchmark.
To calculate your performance fee, we evaluate a benchmark for each account you hold with us.
The benchmark is derived from the target return of your investment plan - 3%, 5% or 7% return per year.
At the end of each month, we review the actual performance of your plan against your benchmark.
If the actual performance of your plan is over the benchmark, you are charged 50% on the excess performance. If your plan underperforms the benchmark, you are not charged a fee.
We always consider all-time account performance when calculating the performance fee. This ensures that you are not charged twice for the same performance – even if your plan is performing above its benchmark.
The ‘benchmark’ is a measure used for comparison when working out investment performance. By comparing your investment’s performance against a benchmark, we can see if you are on track to be above or below your target rate of return.
The benchmark is derived from the target return of your investment plan - 3%, 5% or 7% return per year.
We break down your annual target return into an equivalent monthly rate. Each month after you start your investment, your benchmark increases.
For example, the five. Plan has a target return of 5% per year. If an account has been open for 2 months, the benchmark would be approximately 0.82%.
For full details on how we calculate the performance fee, please read our Terms & Conditions.
As the 'performance-fee-only' model is a new approach - and based on the performance of the investment plans, it is hard to compare costs directly to any other provider.
Unlike most investments that charge a performance fee, this benchmark is a set figure rather than an index. This is to make it clearer to see when you are on or above target.
You only charged one fee to invest with us – the 50% performance fee.
You may be charged costs by the investments within your plans of around 0.2% a year. These costs are indicative and may vary dependent on the investments in your plan. These charges are levied by selected third party fund providers. The Investment Manager will consider best value when selecting funds.
No. We do not charge a management fee. Any management costs are covered by the performance fee.
The performance fee is charged on a monthly basis. As the performance fee is dependent on the actual performance of your plan, we are unable to predict how much you will pay a month.
The target growth of our plans is quoted after (net of) fees. Until your plan is on track to hit its target growth each month, you are not charged the performance fee.
Your money may be covered up to £85,000 by the Financial Services Compensation Scheme (FSCS).
In the event of our insolvency, you may be able to claim compensation with FSCS. Please note that the FSCS does not cover poor investment performance.
Additionally, your money is held by a secure custodian with the Bank of Scotland, and we do not directly handle client money.
This means any money you have invested with us is held in a segregated account.
In the event that Thameside go into administration, your money is ring fenced and any creditors will not be able to touch it.
We are a new kind of investment platform that helps people invest easily without management fees, based in Henley-on-Thames.
Want to meet our leadership team and investment managers? You can meet the team here.
We want to make sure everyone has accessible and affordable access to wealth management. No money jargon. No hidden fees. Just three simple investment plans.
The investment plans are exclusive and are not currently available with any other provider.
Read more about why people choose to invest with Thameside here.
In the UK, many of us are not confident we are saving or investing enough to support ourselves later in life.
This means we have to make our money work harder for it to grow. Investing money gives it more potential to grow. However, unlike savings, you need to manage risk vs reward. This is because the value of your investments can go down as well as up.
Other investment platforms offer 1,000's of funds and bundles of shares. It can be hard to find investments that fit your needs.
We keep it simple. We have three investment plans we truly believe in. Each plan is fully diversified and risk-profiled on your behalf. All you need to do is choose the plan for you.
You can invest from as little as £100 and there are no fixed-term or minimum monthly payments.
No, you are not locked in and you can ask to withdraw your money at any time. Investing should be seen as long term, generally 5 years or more. However, our investments are 'liquid', meaning you can ask to withdraw at any time.
As we re-balance our plans once a week, it may take up to 12 working days for the withdrawal to be processed. Your withdrawal will be sent by bank transfer to your saved bank account as cash.
Please note that you may be charged a pro-rated performance fee upon fully withdrawing your account.
Each of our investment team has over 20 years' experience in managing funds across global exchanges, hedge funds, and in investment houses for global banks such as Bank of America and HSBC.
While it is entirely possible to create a DIY portfolio with another provider, you will not be able to access our Thameside strategies.
The Global Alpha and Illuminator UK are strategies exclusive to Thameside and are only available to retail investors via our platform.
You also may have to pay multiple fees - and will likely have to pay whether your portfolio performs or not.
No, Thameside do not offer financial advice. Our platform is "execution-only", which means you are responsible for making your own investment decisions.
As such, the information on this website is not intended to be advice or personal recommendations of any kind. If you are unsure about whether our investment plans are right for you, please talk to an independent financial advisor.
General Investment Accounts may be ideal for people who have used up their ISA allowance.
You can invest an unlimited amount in a GIA, starting from £100.
If you've filled your ISA, but still want to keep up the habit of regular investing, you can use a GIA.
Any UK tax resident over 18 years old can open a GIA. Open yours today.
You can choose from three ready-made investment plans. Each plan is built and managed by the experienced investment managers.
You can read all about the plans here.
You can invest with a GIA from £100 with no minimum monthly top up. There is no upper limit to how much you can invest each year.
Unlike an ISA, you may have to pay tax when investing in a GIA. You may pay income tax on any income you receive from the GIA, and capital gains tax on any growth.
Yes, you can. However, you will have to sell your current investments and transfer your funds over in cash.
Our plans give you access to a diverse range of investment funds in a single investment.
All you need to do is top up your plan. Then, the investments in your plan are managed on your behalf.
Each plan has an annual growth target and a risk profile.
For example, our five. plan has a target growth of 5% a year, and a 'balanced' risk profile.
The investment manager has selected investments they believe will keep your plan on track to hit it's target growth while staying within its risk profile.
If they believe the plans need adjusting to hit our growth targets or to stay within the risk profile, they will re-balance the plan on your behalf.
Our growth targets tell you how much we are aiming to grow your money year-on-year.
They are to help you plan ahead, but please remember our growth targets are not guaranteed. The actual performance of your plan may vary.
For example, our five. plan has a target growth of 5% a year.
We also use the target growth for each plan as the benchmark for the performance fees.
You will not be charged a performance fee until your plan is on track to hit its annual growth target.
We offer three risk-profiled investment plans. Each plan has a return target that tells you how much we are aiming to grow your money year-on-year – after all costs and charges.
Our plans aim to hit the return targets by making modest returns, regardless of how the stock market is performing.
The investment manager will review the return targets for each portfolio annually and reserve the right to adjust these up or down. This might mean raising the return target when the stock market is performing well but reducing it when the conditions are poorer.
An ISA, or Individual Savings Account, is a type of investment account.
ISAs are seen as an easy way to invest - both for new starters and experienced investors. Probably because they are quick to open, have consistent rules and are tax-efficient.
Unlike some other account types, ISAs allow you to invest tax-free. A Stocks & Shares ISA is an investment account where all capital gains and income are protected from tax.
Any UK resident over 18 years old can open a Stocks & Shares ISA.
We do not charge for opening an ISA with us. That means no setup or administration fees.
Most investments charge whether you make money or not. With us, you are only charged for performance.
You can start investing with us from £100.
You can add up to £20,000 into your ISA each tax year. This is known as your 'ISA allowance'.
Your ISA allowance resets each tax year. You can spread your ISA allowance across all your ISAs, or use your entire allowance with one ISA.
You can only open and pay into one Stocks & Shares ISA this year.
You can choose from three ready-made investment plans. Each plan is built and managed for you by experienced investment managers.
You can read all about the plans here.
Your ISA protects any money you put in from tax. You do not have to pay tax on any income, growth or interest made on any money you've added to your ISA. That means you do not pay any capital gains tax if your ISA increases in value.
You also do not have to pay tax on any dividend income payments. This means easier tax returns and straightforward returns - what you see is what you get.
Once you take your money out of your ISA, it is no longer protected and may be taxable.
Please bear in mind that ISA rules apply and may change in the future.
Transferring your ISA to us is easy, effortless and free. You can read about how to transfer your ISA to us here.
You can choose from three ready-made investment plans. Each plan is built and managed by the experienced investment managers.
You can read all about our plans here.
If you transfer your ISA with us we can make sure your money keeps its tax-free status.
Never withdraw money from your current ISA you want to transfer. Your money could lose its tax-free status, which is a waste of your diligent ISA investment.
Yes, we can. When you apply to transfer your ISA you can request a Freepost envelope with your pre-filled ISA transfer form. All you need to do is sign the form and pop it in the post. No stamp required.
It could take up to 30 days to complete your ISA transfer. This is because we need to work with your current provider to handle the transfer on your behalf.
Occasionally it may take over 30 days. Don't worry, we will keep you up-to-date with our progress.
Some ISA providers require a signature from the account holder before they can authorise a transfer. By sending us in a signed ISA transfer form we can make sure your transfer goes smoothly, without having to ask you for more info.
Your money is kept secure in two ways.
- We are FSCS protected. In the unlikely event that we go into administration, you may be covered up to £85,000 by the Financial Services Compensation Scheme (FSCS).
- Your money is held in a ring-fenced account by our custodian. That means every investor's cash and investments are held in a separate account by an independent third-party
Please note that the FSCS is not intended to protect an investment against poor performance.
Each of our plans has a risk profile. The risk profiles are built to meet the three main risk appetites of today's investors.
- three. - Cautious
- five. - Balanced
- seven. - Adventurous
The risk profiles help you find the ideal plan for you. If you prefer to be careful with your money, you may be a Cautious investor.
If you are comfortable with taking on more risk for higher potential rewards, you may be an Adventurous investor.
If you are unsure about which risk profile is right for you, consider talking to an Independent Financial Advisor (IFA).
Your investment risk appetite is how comfortable you might be with different degrees of investment risk.
The industry has a common method for helping you easily assess each of Thameside’s three portfolios – a risk/return profile.
The risk/return profile of any fund or portfolio is shown in the form of a risk scale from 1 (lower risk with lower returns) to 7 (higher risk with higher returns).
It is to help you understand the performance potential of a portfolio relative to this risk it poses.
We use this standard risk/return profile to set the risk profile of our plans. If you were to invest in any of three ready-made investment plans, you can use these profiles to work out if they fit your risk appetite.
Thameside risk/reward profiles.
- Three. - 3/7
- Five. - 4/7
- Seven. - 5/7
Please remember that just because an investment is in the lowest risk category does not mean it is risk-free.
That's up to you and your financial situation. We are not financial advisors, so cannot give you personal recommendations.
You can transfer your plan at any time. So if your circumstances change, you can move to a plan with a different risk profile.
If you are unsure what risk profile you fit into, you should consider talking to an Independent Financial Advisor (IFA).
'When investing, your capital is at risk'. If you have been researching investment providers, you have probably seen this statement many times. But what does it mean to you?
In simple terms, investing is buying things you think will increase in value in the future.
These predictions don't always come true. This means that any investments you buy might decrease in value. They may end up being worth less than the cash you started with.
In extreme cases, you may lose a large part or all of your investment. You maybe covered up to £85,000 by the Financial Services Compensation Scheme (FSCS) in some cases. Please note, the FSCS does not cover losses from poor investment performance.
There are risks to not investing too. Inflation is currently higher than mostsavings rates. That means the costs of everyday goods and services is increasing faster than the value of cash savings.
Investing gives your money the potential to grow above inflation. The target returns of our plans are all currently above inflation. Remember, the target returns are not guaranteed.
Yes, some investments are riskier than others. Generally speaking, the higher the potential reward of an investment, the higher the risk.
This is because the types of investment are more likely to quickly increase in value, like company shares, are more likely to go up and down in value dramatically over short periods. The ups and downs in performance are called 'volatility'.
More volatile investments are seen as higher risk.
That's why we give each of our plans a risk profile, to help you understand how much risk is associated with each of our plans at a glance.
There are a few things you can do to help reduce risk when investing.
- Invest for the long term. The longer you invest for, the more chance your money has to grow. Also, you are less affected by short term ups and downs in performance.
- Invest on a regular basis. Investing in chunks over time means you are less affected by what is happening in the stock market at any particular point in time.
- Only invest what you can afford. This means you don't have to dip into your investments until you reach your investment goal.
Sure! We love our investors and are always happy to help. Our customer service team is based here in Henley-on-Thames. Get in touch.
We strive to provide excellent service, both with our platform and our customer service. However, we understand that you may still feel disappointed.
We value your feedback as it helps us improve our service. So if you have any feedback please get in touch with our customer service team.
If you have a formal complaint, please send it to complaints@thameside.co.uk.
Our complaints procedure is in line with FCA guidelines, and we always try to go above and beyond our requirements. If you are unhappy with the way your complaint has been handled you may be able to refer to the Financial Ombudsman Service (FOS).
The FOS will not address your complaint until you have contacted us, so please get in touch with us before you refer your complaint.