Get product specific advice with new Fair Investment service Go compare with our comparison table

Get product specific advice with new Fair Investment service

16 June 2010 / by Rachel Mason

- Clear, transparent, truly independent – RDR compliant service

- Full financial and product specific advice

- Available to private and corporate clients


Fair Investment Company's new advisory service is officially launched.

The service, which offers clear, transparent, truly independent financial advice, is available to both new and existing Fair Investment Company clients. As well as offering general financial advice, the service also offers product specific advice for more complicated and/or risky investment products.

"Some product providers will not let people apply for certain products without getting advice due to their complicated nature, so we provide advice on these as a matter of course.

"But there are certain other products that are also complicated and maybe have higher levels of risk and we feel it is very important that our clients understand them fully," said Nick Scarrett, chartered financial planner and head of investments and pensions at Fair Investment Company.

"That is why we offer a product specific advice service as well as full financial advice service, and only allow certain products to be applied for with advice. In these cases, the charging structure of the product takes the cost of the advice into account, so the client will not be paying any extra."

The Fair Investment Advisory Service is available for both private and corporate clients; helping private clients understand the complexities of investments, pensions, protection and mortgage products and helping businesses find the best employee benefit packages, pension plans and advice on how to best protect their business from the death or illness of key employees and directors.

Fair Investment Company's advisers are able to offer products and funds from the whole of the market, and all clients will receive a free initial assessment with no obligations and any terms of service are agreed before any advice is given, as Nick explains.

"Customers can choose to pay either by fee or commission. When a customer pays by fee, if we receive commission from the product provider when they buy a product, we will pass on the full value of that commission in order to reduce our fee.

"Customers can also choose to pay by commission in which case they do not pay us a fee up front. However, we will always tell them exactly how much the commission will be before they complete any investment, and as the commission for investments and pensions is set at the outset, there is no product or fund bias."

The service has also been set up in order to comply with the FSA’s rules as set out following the Retail Distribution Review (RDR), which will introduce new minimum standards of qualifications and professionalism for advisers, provide greater clarity over charges for adviser services and product prices by ending the commission structure and instead charging clients an agreed amount for advice, taken as a fee upfront or deducted from the policy

"The RDR rules come into play in 2013," says Nick, "and, while many advisers are still not transparent about the way they are paid, our RDR compliant service means that our customers know they are getting truly independent advice."

Find out more about Fair Investment Company’s new advisory service.

 Product NameISA OptionIncome YieldMore Info
Income Maximiseryes
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Monthly Income Plus Fundyes
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Popular monthly income fund that aims to achieve a high level of income whilst seeking to maximise total return through investing in high yielding corporate and Government bonds, together with UK equities. 100% discount on initial charges.
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Strategic Bondyes
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Investing in higher yielding assets which will include most types of fixed interest securities, this fund aims to deliver a quarterly income to investors. Save up to 97% on Initial Charges.
Invesco Perpetual Corporate Bond Fundyes
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This highly popular investment fund aims to achieve a high level of overall return with relative security to capital. Income Paid to you twice yearly. Up to a 100% Discount off the Standard Initial Fund Charge.
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Artemis Income Fundyes
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One of the leading UK Equity Income Funds. The Fund managers hunt out companies with strong free cash flow and solid balance sheets. Income is paid to you twice yearly. 100% Discount off the Standard Initial Fund Charge.
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Invesco Perpetual High Income Fundyes
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One of the UK's most popular income funds, the Invesco Perpetual High Income has delivered consistently good long term returns through a variety of market conditions. Income is paid to you twice yearly. Up to a 100% Discount off the Standard Initial Fund Charge.
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M&G Corporate Bond Fundyes
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The M&G Corporate Bond Fund is a conservative ‘blue chip’ sterling fund that aims to produce a higher return than UK government bonds. Income is Paid to you Quarterly. 100% Discount off the Standard Initial Fund Charge.
Jupiter Merlin Income Portfolioyes
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The Jupiter Merlin Income Portfolio fund aims to achieve a high and rising income with some potential for capital growth. Income Distributions are made to you quarterly. 95% Discount off the Standard Initial Charge.
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The value of investments and any return from them can fall as well as rise and you may not get back the full amount invested. Please ensure that you read the Important Risk Information below.