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Legal Information and Disclaimers
Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.
This is a lifetime mortgage (home reversion scheme). To understand the features and risks, ask for a personalised illustration.
Past performance should not be seen as an indication of future investment performance, the value of investments can fall as well as rise.
Funds that invest in property may be less liquid and produce more volatile performance than an investment in broader investment sectors.
Stocks and shares should be seen as a medium to long term investment, for a period of at least 5 years. The value of investments and income from them can fall as well as rise and as a result of market and currency movements and you may not get back the amount originally invested.
Higher yielding bonds have an increased risk (compared to Government or Investment grade bonds) of capital erosion and fluctuating value due to changing interest rates and the potential for defaults.
Please note that there is a restricted market for illiquid, non-readily realisable investments and it may therefore be difficult to deal in or obtain reliable information about their value.
Rules and regulations for the protection of investors under the UK Financial Services and Markets Act 2000 may not apply to offices located outside of the UK and investors may not be able to benefit from the provisions of the UK Financial Services Compensation Scheme.
Life Insurance Policies
We recommend you do not cancel any existing life assurance and/or private medical insurance policies until new cover is in place.
The information supplied is based upon our understanding of current UK law and HM Revenue and Customs (HMRC) practice. Tax law and HMRC practice may change from time to time.
The value of any tax relief will depend on the individual circumstances of the investor. The Financial Conduct Authority does not regulate tax advice.
The FCA does not regulate Occupational Pension Schemes these are regulated by the Pensions Regulator.
This document has been prepared for illustrative purposes only and any values quoted within it are not guaranteed and may vary in future.
The information contained within this communication does not constitute financial advice and is provided for general information purposes only. The communication is based on literature supplied to us unless other sources are quoted. No warranty, whether express or implied is given in relation to such information. Vintage Wealth Management shall not be liable for any technical, editorial, typographical or other errors or omissions within the content of this communication.
This is our understanding of the proposals so far and these may be liable to change as further regulations are introduced.
No reproduction, copy, transmission or amendment of this presentation may be made without the written permission from Vintage Wealth Management.
This message (and any associated file) is intended only for the use of the individual or entity to which it is addressed and may contain information that is confidential, subject to copyright or constitutes a trade secret. If you are not the intended recipient you are hereby notified that any dissemination, copying or distribution of this message, or files associated with this message, is strictly prohibited. If you have received this message in error, please notify us immediately by replying to the message and deleting it from your computer. Messages sent to and from the company may be monitored. Internet communications cannot be guaranteed to be secure or error-free as information could be intercepted, corrupted, lost, destroyed, arrive late or incomplete, or contain viruses. Therefore, the company does not accept responsibility for any errors or omissions that are present in this message, or any attachment, that have arisen as a result of e-mail transmission. If verification is required, please request a hard-copy version. Any views or opinions presented are solely those of the author and do not necessarily represent those of the company.
Vintage Wealth Management Limited is authorised and regulated by the Financial Conduct Authority. FCA Number 593380. Registered in England and Wales No. 07879453. Financial Conduct Authority https://www.fca.org.uk/