[{"data":1,"prerenderedAt":1134},["ShallowReactive",2],{"sanity-dybXu1Sw5y":3,"sanity-DR71rlZvDA":5,"sanity-iF8v2MtaR7":32},{"shouldShowPoppies":4},false,{"_createdAt":6,"_id":7,"_rev":8,"_system":9,"_type":12,"_updatedAt":13,"pageBuilder":14,"slug":28,"title":31},"2025-11-07T14:13:31Z","102d2de2-2613-45f5-8c2e-fe39f1480776","BC4J7AbAtkE560ki91TpIr",{"base":10},{"id":7,"rev":11},"THbSoJ4sD7c1pzZ1E0XhLP","myWealthInvest","2026-04-30T10:41:11Z",[15],{"_key":16,"_type":17,"content":18},"5a7e73d028c0","textOnly",[19],{"_key":20,"_type":21,"children":22,"style":27},"57e840666d97","block",[23],{"_key":24,"_type":25,"text":26},"61b94aac777d","span","No advice is offered in the provision of the self-invested personal pension (SIPP) provided by my wealth invest. Tax treatment will depend on your individual circumstances and is subject to change in future. The value of your investments may go down as well as up, and you could get back less than your initial investment. During any transfer, your investment will be out of the market. Seek independent financial advice if you are unsure of the suitability of any investment. my wealth invest is a trading name of Wealth at Work Limited which is authorised and regulated by the Financial Conduct Authority and is part of the Wealth at Work group. Registered in England and Wales No. 05225819. Registered Office: Third Floor, 5 St Paul’s Square, Liverpool, L3 9SJ.  Calls may be recorded and monitored for training and record-keeping purposes.","normal",{"_type":29,"current":30},"slug","footer","Footer",{"_createdAt":33,"_id":34,"_rev":35,"_type":12,"_updatedAt":36,"pageBuilder":37,"slug":1131,"title":1133},"2026-04-30T10:02:07Z","2f6b0354-0157-444e-b7da-d0c9beb368d6","Z7R1jAzR2Hn70OJfhEODn4","2026-04-30T10:20:39Z",[38,51,198,291,353,462,515,678,885,969],{"_key":39,"_type":40,"content":41,"heading":48,"icon":49,"image":49,"subHeading":50},"299a88aaf1b5","hero",[42],{"_key":43,"_type":21,"children":44,"style":27},"688200c76526",[45],{"_key":46,"_type":25,"text":47},"312b9792acfc","Please see our frequently asked questions (FAQs) below. These FAQs are in relation to the self-select service provided by my wealth invest, part of the Wealth at Work group.","Frequently asked questions",null,"FAQs",{"_key":52,"_type":53,"heading":54,"icon":49,"image":49,"infoBoxes":55},"b1c1c3e80e20","informationGallery","1 - Why choose the my wealth invest ‘Self-Select’ service?",[56,79,142,170],{"_key":57,"_type":58,"content":59,"title":78},"2ab4d37f1584","infoBox",[60,66,72],{"_key":61,"_type":21,"children":62,"style":27},"24a058fee7e8",[63],{"_key":64,"_type":25,"text":65},"ef2735d12913","WEALTH at work is a leading financial wellbeing specialist, providing financial education on a range of topics.",{"_key":67,"_type":21,"children":68,"style":27},"fe1489d6ce50",[69],{"_key":70,"_type":25,"text":71},"a3e38cb6168e","We provide financial education through ‘WEALTH at work’ and offer investment options (on a non-advised basis) through ‘my wealth invest’.",{"_key":73,"_type":21,"children":74,"style":27},"15a3ba7f9e38",[75],{"_key":76,"_type":25,"text":77},"0908e46f6e0a","WEALTH at work and my wealth invest are trading names of Wealth at Work Limited which is authorised and regulated by the Financial Conduct Authority and is part of the Wealth at Work group. We are registered in England and Wales No.05225819. Our registered office is: Third Floor, 5 St Paul’s Square, Liverpool, L3 9SJ.","Who are we? ",{"_key":80,"_type":58,"content":81,"title":141},"a6b93200e802",[82,88,101,111,121,131],{"_key":83,"_type":21,"children":84,"style":27},"d0ded8990d50",[85],{"_key":86,"_type":25,"text":87},"f5f288d944de","The Self-Select service is our online investment platform, which gives you with the opportunity to:",{"_key":89,"_type":21,"children":90,"level":99,"listItem":100,"style":27},"1b49dbe80f23",[91,96],{"_key":92,"_type":25,"marks":93,"text":95},"5ad5896a4e5d",[94],"strong","Open an Individual Savings Account (ISA) or General Investment Account (GIA)",{"_key":97,"_type":25,"text":98},"cce3be9833c7"," and invest in the global stock market through a range of funds and exchange-traded funds (ETFs) that have been handpicked by our dedicated Investment Management Team.\n",1,"bullet",{"_key":102,"_type":21,"children":103,"level":99,"listItem":100,"style":27},"479cbb7c0971",[104,108],{"_key":105,"_type":25,"marks":106,"text":107},"cc38ea85a0ea",[94],"Decide what investments are right for you,",{"_key":109,"_type":25,"text":110},"912486a59841"," using our ‘fund selection tool’ to guide you through your options to choose what to invest in and create your own diversified portfolio. Alternatively, take a simple approach and choose the preselected fund option, keeping the benefits of diversified investing in the stock market without having to select and monitor multiple funds.\n",{"_key":112,"_type":21,"children":113,"level":99,"listItem":100,"style":27},"cb6c50ac6e3e",[114,118],{"_key":115,"_type":25,"marks":116,"text":117},"9396a5e45e2c",[94],"Access educational videos and content ",{"_key":119,"_type":25,"text":120},"f1f55b864f3c","to help you make an informed decision based on categories that matter to you, e.g. risk management, environmental considerations, or region.\n",{"_key":122,"_type":21,"children":123,"level":99,"listItem":100,"style":27},"4560dedffed8",[124,128],{"_key":125,"_type":25,"marks":126,"text":127},"ea42acd6b59e",[94],"Make regular investments",{"_key":129,"_type":25,"text":130},"54275d391ef5"," easy as any time you pay in money or transfer an account from another provider, this money will automatically be invested into the assets you have chosen.\n",{"_key":132,"_type":21,"children":133,"level":99,"listItem":100,"style":27},"b816401d993b",[134,138],{"_key":135,"_type":25,"marks":136,"text":137},"d7782cedf6d6",[94],"Hold SAYE shares ",{"_key":139,"_type":25,"text":140},"5bfff5238004","you’ve purchased through an employee share scheme in an ISA to mitigate capital gains and income tax; or a GIA if you have already used your £20,000 ISA allowance. You also have the option to automatically reinvest any dividends from these shares on a regular basis.","What is the Self-Select service?",{"_key":143,"_type":58,"content":144,"title":169},"f7aaba7d7a7a",[145,151,157,163],{"_key":146,"_type":21,"children":147,"style":27},"118edc8a58c3",[148],{"_key":149,"_type":25,"text":150},"c796ea48e54d","Through this service you have the following options:",{"_key":152,"_type":21,"children":153,"level":99,"listItem":100,"style":27},"730b3756f3d4",[154],{"_key":155,"_type":25,"text":156},"606bf8ce75d3","You can open a tax-free Stocks and Shares Individual Savings Account (ISA) or a taxable General Investment Account (GIA).",{"_key":158,"_type":21,"children":159,"level":99,"listItem":100,"style":27},"99a5fd9150e6",[160],{"_key":161,"_type":25,"text":162},"35f6e97c9df3","You can contribute directly to your ISA or GIA from your personal bank account, or trans-fer in any other ISA investments you may have.",{"_key":164,"_type":21,"children":165,"level":99,"listItem":100,"style":27},"545d176cf15b",[166],{"_key":167,"_type":25,"text":168},"f1b30505b1dc","You can transfer shares you’ve acquired through a recent employee share scheme into a Stocks and Shares ISA to protect your gains from tax. If you have used your ISA allow-ance for the tax year you can transfer to a GIA; however, any profit (also called a gain) on sales in this account would potentially be liable for capital gains tax.","What options do I have with my wealth invest?",{"_key":171,"_type":58,"content":172,"title":197},"5e6322744db5",[173,179],{"_key":174,"_type":21,"children":175,"style":27},"ad77db06fe6c",[176],{"_key":177,"_type":25,"text":178},"a8d6fdbb0bd3","You must be aged 18 or over, not be a ‘US Person’ and be a UK resident to use this service.",{"_key":180,"_type":21,"children":181,"markDefs":193,"style":27},"51010ec60901",[182,185,190],{"_key":183,"_type":25,"text":184},"e82da74bdd21","For up-to-date details, on what constitutes a ‘US Person’, please visit the ",{"_key":186,"_type":25,"marks":187,"text":189},"950840a88773",[188],"1c7e28415140","IRS website",{"_key":191,"_type":25,"text":192},"39f4f4258dcb",".",[194],{"_key":188,"_type":195,"href":196},"link","https:\u002F\u002Fwww.irs.gov\u002Findividuals\u002Finternational-taxpayers\u002Fclassification-of-taxpayers-for-us-tax-purposes","Are there any restrictions on who can use this service?",{"_key":199,"_type":53,"heading":200,"icon":49,"image":49,"infoBoxes":201},"248500f8bb9c","2 - Which account to choose and how to open? ",[202,242,270],{"_key":203,"_type":58,"content":204,"title":241},"5256df347a08",[205,211,217,223,229,235],{"_key":206,"_type":21,"children":207,"style":27},"df4d5ba8b0e0",[208],{"_key":209,"_type":25,"text":210},"c4a80ac5415f","A Stocks and Shares Individual Savings Account (ISA) is a tax-efficient investment account available to UK residents. It allows you to invest in a range of financial assets without being liable to capital gains tax on profits or income tax on dividends.",{"_key":212,"_type":21,"children":213,"style":27},"949ee8935c3f",[214],{"_key":215,"_type":25,"text":216},"251cfdbda75c","Money paid into an ISA is called a ‘subscription’.",{"_key":218,"_type":21,"children":219,"style":27},"13139b0d852c",[220],{"_key":221,"_type":25,"text":222},"92593f3fe630","Under normal circumstances you can subscribe to a Stocks and Shares ISA in two ways –",{"_key":224,"_type":21,"children":225,"level":99,"listItem":100,"style":27},"98d782e31fe3",[226],{"_key":227,"_type":25,"text":228},"093dd37a7515","Cash, which will be used to purchase funds within the ISA, or",{"_key":230,"_type":21,"children":231,"level":99,"listItem":100,"style":27},"ed997213a23c",[232],{"_key":233,"_type":25,"text":234},"ae33421f073b","Transferring in shares which have been acquired through a HMRC recognised employee share scheme. ",{"_key":236,"_type":21,"children":237,"style":27},"fe307cea3db9",[238],{"_key":239,"_type":25,"text":240},"18a974eeaf9e","There is a limit to how much you can subscribe to an ISA in any given tax year. The latest allowance can always be viewed on our app or on the web.","What is a Stocks and Shares ISA? ",{"_key":243,"_type":58,"content":244,"title":269},"a536167d0fa9",[245,251,257,263],{"_key":246,"_type":21,"children":247,"style":27},"a45beb35645e",[248],{"_key":249,"_type":25,"text":250},"9875e388b3b5","A General Investment Account (GIA) is a flexible investment account, which allows you to invest in a range of financial assets, without the tax advantages associated with an ISA.",{"_key":252,"_type":21,"children":253,"style":27},"7cfacacf9e6c",[254],{"_key":255,"_type":25,"text":256},"af29cb5dedd9","There is no limit to the amount of money you can invest in a GIA.",{"_key":258,"_type":21,"children":259,"style":27},"0d5740a48d4b",[260],{"_key":261,"_type":25,"text":262},"7e612b111cc7","A GIA may be an option if you have subscribed as much as you can into your ISA, where the value of your shareholding is greater than the current ISA subscription limit or if you have already used your ISA allowance for the current tax year, but would like to keep the rest of your holding rather than choosing another option like selling them.",{"_key":264,"_type":21,"children":265,"style":27},"f8039e28be29",[266],{"_key":267,"_type":25,"text":268},"391dd67ff2d2","Your tax treatment will depend on your individual circumstances and is subject to change in future.","What is a GIA?",{"_key":271,"_type":58,"content":272,"title":290},"784fab5cc241",[273],{"_key":274,"_type":21,"children":275,"markDefs":287,"style":27},"f4ee4549f5f1",[276,279,284],{"_key":277,"_type":25,"text":278},"43b1400be09c","You can open an account by ",{"_key":280,"_type":25,"marks":281,"text":283},"15066781c57d",[282],"63b014031484","following the link",{"_key":285,"_type":25,"text":286},"225a31675523"," and selecting the option that's right for you.",[288],{"_key":282,"_type":195,"href":289},"https:\u002F\u002Fdashboard.mywealthinvest.co.uk\u002Fregister","How do I open an account?",{"_key":292,"_type":53,"heading":293,"icon":49,"image":49,"infoBoxes":294},"5f100a90c440","3 - How do I invest?",[295,329],{"_key":296,"_type":58,"content":297,"title":328},"98a05fc4f021",[298,304,310,316,322],{"_key":299,"_type":21,"children":300,"style":27},"6dcb48e4ae83",[301],{"_key":302,"_type":25,"text":303},"820188793e24","Once you have created an account, you can use any of the following methods – ",{"_key":305,"_type":21,"children":306,"level":99,"listItem":100,"style":27},"dbbd9061b968",[307],{"_key":308,"_type":25,"text":309},"15b2d1b7ddc0","You can transfer in the shares from your employee share scheme, provided you do so within 90 days of acquiring them.",{"_key":311,"_type":21,"children":312,"level":99,"listItem":100,"style":27},"31f5cfca6f4d",[313],{"_key":314,"_type":25,"text":315},"40d611edc14f","You can make a cash payment from a UK bank account, using either our open banking functionality or directly from your bank’s mobile application or website.",{"_key":317,"_type":21,"children":318,"level":99,"listItem":100,"style":27},"e2cc13e3807a",[319],{"_key":320,"_type":25,"text":321},"64ee5c3223d5","You can make a regular payment via a standing order. ",{"_key":323,"_type":21,"children":324,"level":99,"listItem":100,"style":27},"39fe616533ed",[325],{"_key":326,"_type":25,"text":327},"9fcdd015c3bd","You can transfer in a cash or stocks and shares ISA from another provider. Transferring in funds from an existing ISA will not affect the allowance limit for the current year.","What payment methods can I use to contribute to my account?",{"_key":330,"_type":58,"content":331,"title":352},"b8e0182f35ca",[332,338],{"_key":333,"_type":21,"children":334,"level":99,"listItem":100,"style":27},"2d956e45348d",[335],{"_key":336,"_type":25,"text":337},"81bddca36e44","Yes, you can. Simply download, complete and return the ISA transfer form found \u003Chere> to the following e-mail address – ",{"_key":339,"_type":21,"children":340,"markDefs":349,"style":27},"75cf70f0e97b",[341,346],{"_key":342,"_type":25,"marks":343,"text":345},"4e417d4eab3e",[344],"5df88fee01a2","mywealthinvest@wealthatwork.co.uk",{"_key":347,"_type":25,"text":348},"4d87ac0e9b16","\n\nPlease complete a separate form for each ISA you are transferring.",[350],{"_key":344,"_type":195,"href":351},"mailto:mywealthinvest@wealthatwork.co.uk","Can I transfer in an existing ISA?",{"_key":354,"_type":53,"heading":355,"icon":49,"image":49,"infoBoxes":356},"7da8b2797f90","4 - Understanding SAYE Transfers",[357,373,390,400,410,420,430,452],{"_key":358,"_type":58,"content":359,"title":372},"5ae4f2e77662",[360,366],{"_key":361,"_type":21,"children":362,"style":27},"e36ffe4133df",[363],{"_key":364,"_type":25,"text":365},"8e29d2aac1de","You can instruct a SAYE transfer via our app or web by selecting the option ‘Transfer SAYE shares’. We will ask you how many shares you want to transfer and if you have utilised any of your current year ISA allowance. ",{"_key":367,"_type":21,"children":368,"style":27},"cee4663b2854",[369],{"_key":370,"_type":25,"text":371},"d51448593ee0","We review all transfer requests received and if accepted you will receive information on how you can instruct the transfer to us via your scheme’s share provider the next working day. ","How do I instruct a SAYE transfer?",{"_key":374,"_type":58,"content":375,"title":389},"980cd1c84d89",[376],{"_key":377,"_type":21,"children":378,"style":27},"648c61669fa7",[379,382,386],{"_key":380,"_type":25,"text":381},"93183d641f85","You have six months from the maturity date of the scheme to purchase your shares. Once you have purchased your shares you can transfer them into an ISA, but you must complete the transfer within ",{"_key":383,"_type":25,"marks":384,"text":385},"07d8ed5d538e",[94],"90 days",{"_key":387,"_type":25,"text":388},"4b8b251e2d03"," of purchasing the shares. ","How long do I have to instruct the transfer? ",{"_key":391,"_type":58,"content":392,"title":399},"c8d25c8bfe2f",[393],{"_key":394,"_type":21,"children":395,"style":27},"81aa52949062",[396],{"_key":397,"_type":25,"text":398},"a2f12734375c","You can tell us if you have utilised any of your current year ISA allowance when you instruct an SAYE transfer. When your shares are received, we will allocate as many whole shares as we can to your ISA up to your remaining allowance.","What if I have subscribed elsewhere? ",{"_key":401,"_type":58,"content":402,"title":409},"193641dfb034",[403],{"_key":404,"_type":21,"children":405,"style":27},"c8801bbf0754",[406],{"_key":407,"_type":25,"text":408},"ca17e1eb3e2d","SAYE transfers in the UK usually take up to 4 weeks to complete. However, this time frame can vary depending on the scheme’s provider and whether the transfer can be completed electronically or by paper forms. ","How long will the transfer take?",{"_key":411,"_type":58,"content":412,"title":419},"a72d17a24b93",[413],{"_key":414,"_type":21,"children":415,"style":27},"f8729c853865",[416],{"_key":417,"_type":25,"text":418},"df90fc84d3ee","Once we receive your shares, they will be temporarily held in a General Investment Account while we calculate how many shares can be subscribed using your available ISA allowance. This calculation is based on the value of the shares on the day of receipt in line with HMRC guidance. In most cases we reallocate the shares to your ISA one working day after receipt.","What happens when you receive my shares?",{"_key":421,"_type":58,"content":422,"title":429},"1f2553cbb0fd",[423],{"_key":424,"_type":21,"children":425,"style":27},"497ad3cc8446",[426],{"_key":427,"_type":25,"text":428},"9989600a4849","A Letter of Appropriation is a formal confirmation that the shares transferred to us were acquired through an approved SAYE scheme. This can be obtained from your scheme’s provider and HMRC require us to review this before completing the transfer. ","What is a Letter of Appropriation?",{"_key":431,"_type":58,"content":432,"title":451},"e3c110485042",[433,439,445],{"_key":434,"_type":21,"children":435,"style":27},"c65f5504aaba",[436],{"_key":437,"_type":25,"text":438},"5fd5fef043c9","HMRC dictates that shares must be allocated to an ISA within 90 days of the date you purchased the shares. ",{"_key":440,"_type":21,"children":441,"style":27},"c6d81f72674a",[442],{"_key":443,"_type":25,"text":444},"29012597aade","If shares are received by us outside of this period, they will be held in your General Investment account (GIA).",{"_key":446,"_type":21,"children":447,"style":27},"61abdf508f04",[448],{"_key":449,"_type":25,"text":450},"0031969a71bd","You should be aware that any sales or income within this GIA portfolio may be subject to tax.","What happens if my shares are received outside of the 90-day period?",{"_key":453,"_type":58,"content":454,"title":461},"ecd24b578d94",[455],{"_key":456,"_type":21,"children":457,"style":27},"7d3208f82da1",[458],{"_key":459,"_type":25,"text":460},"5522bd626226","We will send you regular updates via the app and by email as your transfer progresses.","How will I know where the transfer is up to?",{"_key":463,"_type":53,"heading":464,"icon":49,"image":49,"infoBoxes":465},"081d7a91adca","5 - Other options",[466,488,505],{"_key":467,"_type":58,"content":468,"title":487},"ebe83865397d",[469,475,481],{"_key":470,"_type":21,"children":471,"style":27},"b6f900ddf170",[472],{"_key":473,"_type":25,"text":474},"03778b08a8a7","Yes, we can facilitate spousal transfers. ",{"_key":476,"_type":21,"children":477,"style":27},"467abce1ceac",[478],{"_key":479,"_type":25,"text":480},"adeeea3dcc05","You can request a spousal transfer by emailing us at mywealthinvest@wealthatwork.co.uk. On receipt of a request, we will send you the relevant paperwork which can be completed via Docusign. Your spouse\u002Fcivil partner will need to open a taxable General Investment Account (GIA) with us before we can complete the transfer.",{"_key":482,"_type":21,"children":483,"style":27},"cf3926d4636a",[484],{"_key":485,"_type":25,"text":486},"5b5f552b97a1","You should be aware that shares originating from an SAYE scheme can only be allocated to an ISA in the scheme participant’s name. If the shares are yours originally, you can gift shares to your spouse but they could only hold them in a taxable GIA. Transferring shares will result in a change of ownership and is based on the understanding that you will make an outright gift of capital. ","Can I transfer shares to my spouse\u002Fcivil partner?",{"_key":489,"_type":58,"content":490,"title":504},"c073f0f8c415",[491],{"_key":492,"_type":21,"children":493,"style":27},"8ac4c5cb2b73",[494,497,501],{"_key":495,"_type":25,"text":496},"7aad75d92161","Holding a range of different investments is called diversification (see ",{"_key":498,"_type":25,"marks":499,"text":500},"65720d5d5211",[94],"“What is Diversification?”",{"_key":502,"_type":25,"text":503},"79b45c51080b"," for further information). You can diversify your shares by clicking the ‘Diversify’ button underneath your Corporate Shareholding portfolio on our web page. Your chosen number of shares will be sold and the money received transferred to a new ‘self-select’ portfolio where you can create your own diversified fund selection.","How do I diversify my shares? (self-select)",{"_key":506,"_type":58,"content":507,"title":514},"c228779c82ba",[508],{"_key":509,"_type":21,"children":510,"style":27},"e9e1e1099430",[511],{"_key":512,"_type":25,"text":513},"b28ab29b54e0","Yes, my wealth invest has a number of other options for diversifying your shares, which may be suitable for you. Please contact our guidance team on 0800 093 1465 for further information.","Are there any other investment options to diversify?",{"_key":516,"_type":53,"heading":517,"icon":49,"image":49,"infoBoxes":518},"95706b25c4e3","6 - Understanding a diversified investment",[519,541,612,662],{"_key":520,"_type":58,"content":521,"title":540},"6935dac3c5eb",[522,528,534],{"_key":523,"_type":21,"children":524,"style":27},"a08618be73f2",[525],{"_key":526,"_type":25,"text":527},"ee9be293b60c","Funds, sometimes known as Open-Ended Investment Company (OEIC)s, Exchanged-Traded Funds (ETF) or Index Funds, are essentially a pool of investments packaged up into a single item or unit. Each fund invests in several assets, rather than a single shareholding, in line with the stated objectives of the fund that are disclosed in a Key Investor Information Document (KIID).",{"_key":529,"_type":21,"children":530,"style":27},"7734a7e76ed4",[531],{"_key":532,"_type":25,"text":533},"8dfe7a8644ac","Each fund will be managed by a professional fund manager who will invest any money put into the fund in line with the fund’s stated objectives and risk rating. Fund performance depends on the performance of underlying assets and the value may go down as well as up.",{"_key":535,"_type":21,"children":536,"style":27},"889c50c2b6bc",[537],{"_key":538,"_type":25,"text":539},"41689cf4ccfa","Whilst there are a wide variety of funds available on the market today, the simplest way to think of them is a basket of shares, managed by a professional and allowing an easier way of investing in the stock market for novices and professionals alike.","What are Funds?",{"_key":542,"_type":58,"content":543,"title":611},"63818a3f5a5b",[544,550,556,562,575,587,599],{"_key":545,"_type":21,"children":546,"style":27},"76c8362bf1d0",[547],{"_key":548,"_type":25,"text":549},"761743a23b24","Diversification is best described as a way of trying to reduce the risk and potential for loss from investing in the global stock market, by ensuring that your money is spread over a wide and diverse set of investments. Having a substantial portion of your portfolio allocated to a single investment, asset class, sector or region is known as ‘concentration risk’.",{"_key":551,"_type":21,"children":552,"style":27},"8756d5763850",[553],{"_key":554,"_type":25,"text":555},"c7f8d833eba2","Whilst no investment can be considered risk free, by creating a diverse portfolio you can at least be confident that no fall in value of a single asset will drastically reduce the overall value of your investment.",{"_key":557,"_type":21,"children":558,"style":27},"2c808bd4e5ca",[559],{"_key":560,"_type":25,"text":561},"ed9e19deb911","Our ‘Fund Selection Tool’ aims to help you create your own diversified portfolio by categorising and explaining what funds are available to you across the following areas –",{"_key":563,"_type":21,"children":564,"level":99,"listItem":100,"style":27},"13fc3bf2374d",[565,568,572],{"_key":566,"_type":25,"text":567},"5ca18de9dd2e","The ",{"_key":569,"_type":25,"marks":570,"text":571},"88e65d3312b4",[94],"risk",{"_key":573,"_type":25,"text":574},"0ad04a670867"," rating – how likely the fund is to experience small or large changes in value.",{"_key":576,"_type":21,"children":577,"level":99,"listItem":100,"style":27},"c9da1f86b03c",[578,580,584],{"_key":579,"_type":25,"text":567},"34f017f9ad88",{"_key":581,"_type":25,"marks":582,"text":583},"2db885b2ac4a",[94],"ESG rating ",{"_key":585,"_type":25,"text":586},"65f914b3da1a","– how companies within a fund operate on an environmental, social and governance level.",{"_key":588,"_type":21,"children":589,"level":99,"listItem":100,"style":27},"baa65ad3a08a",[590,592,596],{"_key":591,"_type":25,"text":567},"24d98e8eedbc",{"_key":593,"_type":25,"marks":594,"text":595},"e6d85f023ff8",[94],"asset type",{"_key":597,"_type":25,"text":598},"0720791bf6e3"," – what type of investment(s) are included e.g. cash, bonds, equities or a combination.",{"_key":600,"_type":21,"children":601,"level":99,"listItem":100,"style":27},"16acacd36b5a",[602,604,608],{"_key":603,"_type":25,"text":567},"6f68b4c30ae9",{"_key":605,"_type":25,"marks":606,"text":607},"91a97c3688be",[94],"region",{"_key":609,"_type":25,"text":610},"2c1972c79037"," – the geographic region(s) the fund invests in.","What is diversification?",{"_key":613,"_type":58,"content":614,"title":661},"f0fce91bcf5d",[615,623,631,639,647,653],{"_key":616,"_type":21,"children":617,"markDefs":622,"style":27},"cd88951afbe5",[618],{"_key":619,"_type":25,"marks":620,"text":621},"5ee508ae4d7b",[],"If you decide to select your own investments, we will require you to make a fund selection by choosing as many funds as you like from the range available. ",[],{"_key":624,"_type":21,"children":625,"markDefs":630,"style":27},"84c141af309e",[626],{"_key":627,"_type":25,"marks":628,"text":629},"06ad42c9f780",[],"When creating your unique fund selection, you will confirm what percentage of your total investment you want to be placed into each fund (see example below). This percentage allocation is designed to streamline the process of making multiple or regular contributions to your account, as you will not need to decide each time how you’d like to spend your money.",[],{"_key":632,"_type":21,"children":633,"markDefs":638,"style":27},"2a4438831841",[634],{"_key":635,"_type":25,"marks":636,"text":637},"11fe38c5ade3",[],"However, you can alter your fund selection at any time, either for your ongoing future investments or for the funds that you already hold in your account.",[],{"_key":640,"_type":21,"children":641,"markDefs":646,"style":27},"c31eedc2bd1a",[642],{"_key":643,"_type":25,"marks":644,"text":645},"e45368fabeb0",[94],"Example –",[],{"_key":648,"_type":649,"asset":650},"d5f3a54c8084","image",{"_ref":651,"_type":652},"image-6c2991d262b207cd0572822cbfb929be19afb32f-1016x250-png","reference",{"_key":654,"_type":21,"children":655,"markDefs":660,"style":27},"860c0379a376",[656],{"_key":657,"_type":25,"marks":658,"text":659},"392421d431d7",[],"Before choosing an investment, you should carefully consider the risks and ensure your fund selection matches your risk tolerance. ",[],"What is a Fund Selection?",{"_key":663,"_type":58,"content":664,"title":677},"3d5f52a6b3cc",[665,671],{"_key":666,"_type":21,"children":667,"style":27},"fb49474e34fe",[668],{"_key":669,"_type":25,"text":670},"cbf7c87f5f97","A KIID or ‘Key Investor Information Document’ is a standardised two-page fact sheet, produced by all Fund Managers in the UK, and contains all the important and relevant information about the fund such as the risk profile, the objectives of the fund, the associated charges. ",{"_key":672,"_type":21,"children":673,"style":27},"c1b1797ebb26",[674],{"_key":675,"_type":25,"text":676},"793f83d70804","KIIDs are updated at least annually, and you should always review the KIID before investing in a fund. All the KIIDs are available to view and download when you make your fund selection choices, and the latest version will always be available through our website.","What is a KIID?",{"_key":679,"_type":53,"heading":680,"icon":49,"image":49,"infoBoxes":681},"c07016b7bc7a","7 - Fees",[682,704,726,736,797,819,853],{"_key":683,"_type":58,"content":684,"title":703},"4e4835aa0dd8",[685,691,697],{"_key":686,"_type":21,"children":687,"style":27},"4cd229cd6d68",[688],{"_key":689,"_type":25,"text":690},"a1ec5d00faa3","Our fee is based on the value of your investment and we’ll deduct this from your account monthly in arrears. ",{"_key":692,"_type":21,"children":693,"style":27},"225e5ace3fa1",[694],{"_key":695,"_type":25,"text":696},"ba132449bfe3","A breakdown of our fees, and an indication of how they may impact your investment, is always available on your web portal and before you make an investment choice.",{"_key":698,"_type":21,"children":699,"style":27},"b2b43184c45e",[700],{"_key":701,"_type":25,"text":702},"2c8fea732802","You will also receive an annual statement confirming all fees that your portfolio has paid and how it may have affected your investment.","How much do you charge for this service?",{"_key":705,"_type":58,"content":706,"title":725},"9f37ea615c68",[707,713,719],{"_key":708,"_type":21,"children":709,"style":27},"f73d368e1cda",[710],{"_key":711,"_type":25,"text":712},"0377a7f9c710","Before you first invest and any time you make a change to your holdings, we will provide you with an indicative illustration of the charges that may be applied to your portfolio, and how they could affect your investment. This illustration will be specific to your choices.",{"_key":714,"_type":21,"children":715,"style":27},"9c6840b0287f",[716],{"_key":717,"_type":25,"text":718},"168900698aaf","It’s important to remember that while our fees won’t change without us giving you advance notice, where applicable Fund Manager costs may fluctuate slightly over time. So, the indicative illustrations will not represent the actual amount you will be charged but should help you to understand what the impact of fees could be. ",{"_key":720,"_type":21,"children":721,"style":27},"3964b4ce2c05",[722],{"_key":723,"_type":25,"text":724},"0ac6e24ab693","On an annual basis we will provide you with a detailed breakdown of your investment(s), any growth in their value and details of all fees that you’ve been charged over the previous year and their effect.","   How do I know what fees I’ll pay for my investment?",{"_key":727,"_type":58,"content":728,"title":735},"3d16581fef50",[729],{"_key":730,"_type":21,"children":731,"style":27},"f80ffee87abe",[732],{"_key":733,"_type":25,"text":734},"fd229d0ff808","Wherever possible, we will always take our fee from any free cash on your account. If no cash is available, we will raise the required fee by selling the smallest possible proportion of your holding(s) to satisfy the fee.","How do you collect my fees?",{"_key":737,"_type":58,"content":738,"title":796},"a9a8b0b9754a",[739,745,752,758,765,771,778,784,790],{"_key":740,"_type":21,"children":741,"style":27},"b2c3461b9293",[742],{"_key":743,"_type":25,"text":744},"820e71b06a0e","Yes, you can pay in cash to cover fees; however, there are some points that you should bear in mind when considering this –",{"_key":746,"_type":21,"children":747,"style":27},"dd9e12f0520a",[748],{"_key":749,"_type":25,"marks":750,"text":751},"183faf6b289a",[94],"If paying into an ISA, do you have any available allowance left?",{"_key":753,"_type":21,"children":754,"style":27},"efd7c210ab78",[755],{"_key":756,"_type":25,"text":757},"6863f9fa8e66","You can currently only pay in a maximum of £20,000 a year into an ISA, and if you have fully utilised this allowance then you won’t be able to top up any extra to cover fees.",{"_key":759,"_type":21,"children":760,"style":27},"bbaf4baf4c78",[761],{"_key":762,"_type":25,"marks":763,"text":764},"c457bede271a",[94],"If you have a diversified self-select portfolio, how much are you paying in?",{"_key":766,"_type":21,"children":767,"style":27},"f7beab261b24",[768],{"_key":769,"_type":25,"text":770},"5faa243e17a9","As part of our diversified self-select accounts, we will automatically invest any cash in your account once the value reaches £25 or higher. This is to ensure your income and any payments you make are invested into your fund selection. Any balance below this amount will not be invested and can be used to cover fees.",{"_key":772,"_type":21,"children":773,"style":27},"a4426eb4091a",[774],{"_key":775,"_type":25,"marks":776,"text":777},"3ef4485448e6",[94],"If you have a corporate shareholding portfolio, do you have dividend reinvestments set to ‘active’?",{"_key":779,"_type":21,"children":780,"style":27},"1b70a83eb5f5",[781],{"_key":782,"_type":25,"text":783},"6f4459131d6a","A useful feature of our corporate shareholding accounts is the ability to automatically reinvest any dividend income from your holding, this also includes any money that you pay into the account, on a monthly basis.",{"_key":785,"_type":21,"children":786,"style":27},"867d1e8352d4",[787],{"_key":788,"_type":25,"text":789},"e65fdd00f448","As any corporate shareholding will be an equity with a price per share, it is unlikely that we’ll be able to spend every penny of your available cash balance, as a proportion will be less than the value of one share. Any residual balance can then be used to pay fees.",{"_key":791,"_type":21,"children":792,"style":27},"325412ec6aa1",[793],{"_key":794,"_type":25,"text":795},"ef74dc6e26cd","However, if you prefer to avoid the possibility that we will inadvertently spend cash you’ve allocated for fees, then you have the option to turn dividend reinvestment off and on at any point. This option can be found in your account preferences.","Can I pay in cash to cover my fees?",{"_key":798,"_type":58,"content":799,"title":818},"21484eca6f54",[800,806,812],{"_key":801,"_type":21,"children":802,"style":27},"7bf118c0eb5b",[803],{"_key":804,"_type":25,"text":805},"e42b11cd28f5","Where you have a diversified self-select portfolio, you will see on the individual KIID fact sheet, when you create or amend your fund selection, that each fund has their own ongoing charge. ",{"_key":807,"_type":21,"children":808,"style":27},"b24d50f5d8b9",[809],{"_key":810,"_type":25,"text":811},"0c9faf6feb0d","These are shown as a percentage of your investment. We do not have any control over what a fund may charge, but we will always try to pick funds with costs that provide you with value for money.",{"_key":813,"_type":21,"children":814,"style":27},"36b8ebbc9b5a",[815],{"_key":816,"_type":25,"text":817},"f2725bada820","The overall Fund Manager costs therefore depends on which funds you pick and how much you have decided to invest into each of them.","Are there any costs from the Fund Manager(s) for my investments?",{"_key":820,"_type":58,"content":821,"title":852},"e46650e0725c",[822,828,834,840,846],{"_key":823,"_type":21,"children":824,"style":27},"f149a69139c3",[825],{"_key":826,"_type":25,"text":827},"619f175bd425","There are no other costs that we will charge you.",{"_key":829,"_type":21,"children":830,"style":27},"392f56bbdeab",[831],{"_key":832,"_type":25,"text":833},"1438a457a42e","Any other costs that you may be liable to pay, will be third party charges specifically levelled against your trading activity. These could include – ",{"_key":835,"_type":21,"children":836,"level":99,"listItem":100,"style":27},"29c05fc78a79",[837],{"_key":838,"_type":25,"text":839},"04cee4723dda","Stamp duty",{"_key":841,"_type":21,"children":842,"level":99,"listItem":100,"style":27},"204eb9be7685",[843],{"_key":844,"_type":25,"text":845},"65455e71c039","Fund manager charges",{"_key":847,"_type":21,"children":848,"level":99,"listItem":100,"style":27},"dd71b2523c57",[849],{"_key":850,"_type":25,"text":851},"d85c2ec6ffdb","PTM (Panel on Takeovers and Mergers) levy, which is a £1.50 charge on equity purchases over £10,000.","Are there any other costs?",{"_key":854,"_type":58,"content":855,"title":884},"14e5170ae5c1",[856,862,868],{"_key":857,"_type":21,"children":858,"level":99,"listItem":100,"style":27},"0a598f2b9618",[859],{"_key":860,"_type":25,"text":861},"3125ca8d7816","You will not pay tax on any profits or income made in an ISA.",{"_key":863,"_type":21,"children":864,"style":27},"6929ea0be66f",[865],{"_key":866,"_type":25,"text":867},"e8d8e0c7f705","You may be liable to pay Capital Gains Tax on any profit you make when you sell shares in a General Investment Account (GIA). You may also need to include the details of any dividends or interest you earn through your GIA on your annual income tax return.",{"_key":869,"_type":21,"children":870,"markDefs":881,"style":27},"fd97a0397dd0",[871,874,879],{"_key":872,"_type":25,"text":873},"13916e1b9695","For up-to-date details, please ",{"_key":875,"_type":25,"marks":876,"text":878},"23b75debcaf7",[877],"e9065744e011","visit the HMRC website",{"_key":880,"_type":25,"text":192},"961108f04b6b",[882],{"_key":877,"_type":195,"href":883},"http:\u002F\u002Fwww.gov.uk\u002Ftax-sell-shares","Will I pay any tax?",{"_key":886,"_type":53,"heading":887,"icon":49,"image":49,"infoBoxes":888},"ab973bc6b574","8 - Withdrawals ",[889,905,927,943,953],{"_key":890,"_type":58,"content":891,"title":904},"b201099ed09c",[892,898],{"_key":893,"_type":21,"children":894,"style":27},"5f4c8e349400",[895],{"_key":896,"_type":25,"text":897},"0ad51d9df642","You can make a withdrawal by selecting the ‘Withdraw money’ option via our app or web page.",{"_key":899,"_type":21,"children":900,"style":27},"0299c86f42ad",[901],{"_key":902,"_type":25,"text":903},"c72665963dc2","The minimum single withdrawal amount is £25.00.","How do I make a withdrawal?",{"_key":906,"_type":58,"content":907,"title":926},"1941f72f9dd8",[908,914,920],{"_key":909,"_type":21,"children":910,"style":27},"6b15c65bedcd",[911],{"_key":912,"_type":25,"text":913},"d3de89b7d9b5","For a diversified self-select portfolio you will receive the next available valuation point applicable to the fund(s) you are selling. ",{"_key":915,"_type":21,"children":916,"style":27},"d7ef34bc90d7",[917],{"_key":918,"_type":25,"text":919},"0dab9f951599","If you are selling a corporate shareholding and submit your withdrawal instruction during market hours, your trade(s) will normally be placed within fifteen minutes. If your instruction is outside of market hours, it will be queued and placed at the prevailing price when the market opens. ",{"_key":921,"_type":21,"children":922,"style":27},"5d642c52e894",[923],{"_key":924,"_type":25,"text":925},"a881bf85b33e","Please note that price(s) can fluctuate between submitting your instruction and when it is placed.","What price will I receive when I sell? ",{"_key":928,"_type":58,"content":929,"title":942},"81947e1b020e",[930,936],{"_key":931,"_type":21,"children":932,"style":27},"28ca031ae3c4",[933],{"_key":934,"_type":25,"text":935},"0b0ade40cde6","For diversified self-select portfolios: due to the longer settlement period for funds and ETFs, we will make the payment to your bank account within five business days.",{"_key":937,"_type":21,"children":938,"style":27},"8e8bbdf413bb",[939],{"_key":940,"_type":25,"text":941},"302c40761510","If your withdrawal is from a corporate shareholding: once the trade(s) have been placed, we will make the payment to your bank account within three business days.","When will I receive payment?",{"_key":944,"_type":58,"content":945,"title":952},"1e827f54d073",[946],{"_key":947,"_type":21,"children":948,"style":27},"f88c92465920",[949],{"_key":950,"_type":25,"text":951},"7e7c80d42258","This is a confirmation of the transaction details which will be provided to you via the online platform, on a transaction-by-transactions basis, by the end of the business day following your trade being placed in the market.","What is a contract note?",{"_key":954,"_type":58,"content":955,"title":968},"a1f0cd040112",[956,962],{"_key":957,"_type":21,"children":958,"style":27},"5cac0df54d19",[959],{"_key":960,"_type":25,"text":961},"ba4d35118007","When selling in a General Investment Account (GIA), Capital Gains Tax (CGT) may apply to any profit above your annual allowance.",{"_key":963,"_type":21,"children":964,"style":27},"6a04dffc6405",[965],{"_key":966,"_type":25,"text":967},"f003afde0fac","Alternatively, when selling in an Individual Savings Account (ISA), no CGT applies so any profits are tax‑free.","Is there a difference between selling from my GIA or ISA? ",{"_key":970,"_type":53,"heading":971,"icon":49,"image":49,"infoBoxes":972},"25424d5c1fd3","9 - Managing my account ",[973,1037],{"_key":974,"_type":58,"content":975,"title":1036},"72df81d98f58",[976,982,999,1005,1011,1017,1023,1030],{"_key":977,"_type":21,"children":978,"style":27},"77c84babc053",[979],{"_key":980,"_type":25,"text":981},"267ab09941a2","If you wish to cancel, you have 14 days from the date that the first confirmed contribution is received. You can cancel by contacting us:",{"_key":983,"_type":21,"children":984,"level":99,"listItem":100,"markDefs":996,"style":27},"ddded6ee3db8",[985,988,993],{"_key":986,"_type":25,"text":987},"d1c6317ef789","by e-mail (",{"_key":989,"_type":25,"marks":990,"text":992},"f43ca7119f78",[991],"64efc21e67e8","cancellations@mywealthinvest.co.uk",{"_key":994,"_type":25,"text":995},"f1365dfe9315","); or",[997],{"_key":991,"_type":195,"href":998},"mailto:cancellations@mywealthinvest.co.uk",{"_key":1000,"_type":21,"children":1001,"level":99,"listItem":100,"style":27},"c5d9550675bf",[1002],{"_key":1003,"_type":25,"text":1004},"89f172ed26ee","by post (by writing to us at Wealth at Work Limited, Third floor, 5 St Paul’s Square, Liverpool, L3 9SJ)",{"_key":1006,"_type":21,"children":1007,"style":27},"510072c919e5",[1008],{"_key":1009,"_type":25,"text":1010},"19ff7e67abaa","Once the 14 days have elapsed you will have the option to withdraw your funds or close your account.",{"_key":1012,"_type":21,"children":1013,"style":27},"3e2d6a34f500",[1014],{"_key":1015,"_type":25,"text":1016},"3888e4276c02","Once you have confirmed that you wish to cancel, and if your contribution hasn’t been invested, we will return your funds to the bank account you paid from.",{"_key":1018,"_type":21,"children":1019,"style":27},"2a2de11302c1",[1020],{"_key":1021,"_type":25,"text":1022},"aadff55d2729","If any trades have already been placed, we will sell these assets on your behalf and return the funds raised. You should be aware that in these circumstances, you may get back more or less than your initial investment, depending on the value of your assets at the point at which they are sold. No further fees will be taken on this investment, once you have instructed us to cancel your investment and any fees that have been deduced with be returned to you.",{"_key":1024,"_type":21,"children":1025,"style":27},"9e62d2f88817",[1026],{"_key":1027,"_type":25,"marks":1028,"text":1029},"81068cbf48a4",[94],"However, where you have decided to hold your employee share scheme shares in your account, these cannot be returned to you or your share scheme provider without you taking action.",{"_key":1031,"_type":21,"children":1032,"style":27},"6ddd277902c6",[1033],{"_key":1034,"_type":25,"text":1035},"58bee1f7a363","In these circumstances we will continue to hold your shares on your behalf, until we receive a valid transfer instruction. During this period fees will continue to be charged on your account. ","What if I change my mind?",{"_key":1038,"_type":58,"content":1039,"title":1130},"b978de7dc899",[1040,1046,1052,1058,1064,1070,1076,1082,1088,1094,1114],{"_key":1041,"_type":21,"children":1042,"style":27},"629d43bf72a3",[1043],{"_key":1044,"_type":25,"text":1045},"74ebb687e199","We hope that you never have cause to complain, but if you are unhappy with any part of our service then please don’t hesitate to contact us so we can investigate for you.",{"_key":1047,"_type":21,"children":1048,"style":27},"f2787d5952ea",[1049],{"_key":1050,"_type":25,"text":1051},"68568cae97b4","If you are a potential, current or previous client of my wealth and are dissatisfied with the service you have received, you can contact us by any of the following methods (unless otherwise stated):",{"_key":1053,"_type":21,"children":1054,"level":99,"listItem":100,"style":27},"4e0f787e4d66",[1055],{"_key":1056,"_type":25,"text":1057},"3d8201de834b","by email (complaints@wealthatwork.co.uk); or",{"_key":1059,"_type":21,"children":1060,"level":99,"listItem":100,"style":27},"a6ecddfcb3f2",[1061],{"_key":1062,"_type":25,"text":1063},"e1c99599002c","by telephone (0800 093 1465); or",{"_key":1065,"_type":21,"children":1066,"level":99,"listItem":100,"style":27},"b71c7ab22f19",[1067],{"_key":1068,"_type":25,"text":1069},"924742aa58c3","by post (by writing to us at Compliance Manager, my wealth, Third Floor, 5 St Paul’s Square, Liverpool, L3 9SJ)",{"_key":1071,"_type":21,"children":1072,"style":27},"3d20eefac347",[1073],{"_key":1074,"_type":25,"text":1075},"ffeb69605f4e","We aim to acknowledge your complaint in writing immediately but at least within five business days. We will give you our full response at the earliest possible stage. If there are any delays we will update you within four weeks and again at eight weeks of receipt of your complaint.",{"_key":1077,"_type":21,"children":1078,"style":27},"957a7e267ac2",[1079],{"_key":1080,"_type":25,"text":1081},"1863cc2d2623","Upon providing our final response, we will provide you with information about referring your complaint to the Financial Ombudsman Service where relevant. If you are unable to refer your complaint to the Financial Ombudsman Service, we will inform you of this and may direct you to the FSCS if appropriate.",{"_key":1083,"_type":21,"children":1084,"style":27},"32cca11b78f8",[1085],{"_key":1086,"_type":25,"text":1087},"19bf7f25383d","Should you remain unhappy with our decision and wish to refer your complaint to the Financial Ombudsman Service, you must do this within six months of the date of our final response letter. If the complaint is not referred in time the ombudsman will not have our permission to consider the complaint and may only be able to do so on limited occasions, for example if the delay is a result of exceptional circumstances.",{"_key":1089,"_type":21,"children":1090,"style":27},"3fe26a6afd76",[1091],{"_key":1092,"_type":25,"text":1093},"922207fc47f0","You also have the right to refer your complaint to the Financial Ombudsman Service after eight weeks if you have not received a final response to your complaint from us.",{"_key":1095,"_type":21,"children":1096,"style":27},"78a05463d5b0",[1097,1100,1104,1107,1111],{"_key":1098,"_type":25,"text":1099},"d66d305719f8","The contact details for the Financial Ombudsman Service are:\n\n",{"_key":1101,"_type":25,"marks":1102,"text":1103},"d7b792f086ed",[94],"Address",{"_key":1105,"_type":25,"text":1106},"15a230c77b89",": The Financial Ombudsman Service, Exchange Tower, Harbour Exchange, London E14 9SR\n\n",{"_key":1108,"_type":25,"marks":1109,"text":1110},"611f9ee9eada",[94],"Telephone",{"_key":1112,"_type":25,"text":1113},"cbeaa2baada3",": 0800 023 4567",{"_key":1115,"_type":21,"children":1116,"markDefs":1127,"style":27},"765394cf0907",[1117,1120,1125],{"_key":1118,"_type":25,"text":1119},"d908b98c5409","Further information is ",{"_key":1121,"_type":25,"marks":1122,"text":1124},"f08198a2c60a",[1123],"9181d1102dbe","available on their website",{"_key":1126,"_type":25,"text":192},"f446697e4914",[1128],{"_key":1123,"_type":195,"href":1129},"https:\u002F\u002Fmywealthprivate.co.uk\u002Fuseful-links\u002Fwww.financial-ombudsman.org.uk","How do I make a complaint?",{"_type":29,"current":1132},"faqs","Self Select Service FAQs",1777562028996]