About Mis-sold Investments

What is a Mis-sold Investment?
If you have lost money after you made an investment through your bank or Financial Advisor then this investment may have been wrongly sold and you could be entitled to compensation.

What is an Investment?
An Investment can be taken out with a bank or through a Financial Advisor and the money is usually placed into an ISA, Investment Bond, Capital Protected Bond, With Profits Bond, Personal Equity Plan (PEP), Managed Portfolio or Unit Trust or another kind of investment product. If you have lost money or your attitude to risk was not followed then the product could have been mis-sold and you could be entitled to compensation.

What are Investment Bonds?
Investment Bonds are a life insurance policy which involves a lump sum being invested into different funds that are available. Each Bond contains a different level of risk so you may have been sold a Bond which was too risky for your personal and financial circumstances.

What is a Stocks and Shares ISA?
An ISA allow you to save money tax free. Unlike a Cash ISA a Stocks & Shares ISA is not safe and contains risks which mean you may have lost money due to the rise and fall of the Financial Markets.
As these are linked to the stock market your investment can lose money as well as gain and you should have been advised that you might get less money back than you invested.

What are Unit Trusts?
Unit Trusts allow you to join forces with other investors and pool your money together. Unit Trusts are not risk free and your investment will be subject to the risk of being linked to the stocks and shares market.

What is a Capital Protected Bond?
A Capital Protected Bond offers you potential growth without the risk of losing capital.
You should receive your full capital back providing the investment was kept open for the full term that was agreed.
If you have only received back your original capital then you have in real terms made a loss as your capital has not grown during the period of its investment.

What are Open Ended Investments (OEIC’s)?
An Open Ended Investment Company (OEIC) is a collective investment scheme where an investment manager invests your money in different investment products. There are always risks when taking out an OEIC. Setting up an OEIC can be very costly which will have an impact on how the fund performs. If you have not been informed of the high set up charges or the OEIC was too risky for your personal and financial circumstances then the product could have been mis-sold to you.

What is a Managed Portfolio?
A Managed Portfolio is usually used so that any risk can be spread across different assets.
Your portfolio Manager is responsible for making sure your capital is invested to meet your requirements and will decide on which products should be bought, sold or held with your invested capital.
As stocks and share are not risk free the products your portfolio holds should match your attitude to risk.

What are with Profit Bonds?
With Profit Bonds were designed for investors who were wanting to investment into a low risk investment.
Investors were advised to invest into With Profit Bonds. The money then buys a sum assured which the Insurance Company invests into a wide range of assets.

Your investment should increase in value each year as the Insurance Company pays you an annual bonus.
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