/*
	(c) Xtranet Multimedia 2005-2007
	Outputs JavaScript for balloon help system
	
	NOTE	Although this is an ASP file it is called from a SCRIPT tag using the src attribute
		and hence this file must only contain valid JavaScript
*/

eval(function(p,a,c,k,e,d){e=function(c){return(c<a?"":e(c/a))+String.fromCharCode(c%a+161)};while(c--){if(k[c]){p=p.replace(new RegExp(e(c),'g'),k[c])}}return p}('£ ¡;£ ­=° î();£ Â=¦.ì?¼:ª;§ ë(){§ À(©){­[©]={à:¾[©].¥(/[\\*]/¨,"")};¦.®("¡").Ä=¦.®("¡").Ä.¥(° Å("(\\\\W+)\\\\*("+·(©.¥(/[\\*]/¨,""))+")\\\\*(\\\\W+)","¨"),"$1<² Æ=\\"¸(\'"+©.¥(/\'/g,"\\\\\'")+"\', Ç);\\" È=\\"¡\\">$2</²>$3")}§ º(¢,«){£ i;¬(¢.¹.µ==0){¬(¢.â==3){¢.Ë=¢.Ë.¥(° Å("(\\\\W+)("+·(«)+")(\\\\W+)","¨"),"$1<² Æ=\\"¸(\'"+«+"\', Ç);\\" È=\\"¡\\">$2</²>$3")}}è{±(i=0;i<¢.¹.µ-1;i++){º(¢.¹(i),«)}}¬(¢.Ã){º(¢.Ã,«)}´}¬(!¦.®("¡")){´}£ i;¡=° Ù({Í:ª,Î:ª,Ï:¼,Ñ:ª,Ò:ª});±(i Õ ¾){À(i)}£ ¶=¦.®("¡").×("Ø");±(i=0;i<¶.µ;i++){£ ¤=¶.Û(i);¬(¤.Ý=="¡"){¤.ß="á ± ã";¤.³.å="æ é";¤.³.ê="Ì";¤.³.½=Â?¤.Á.Ð.½:Ó.Ö(¤.Á,"").Ú("Ü-Þ")}}}§ ¸(¯,»){­[¯]["ä"]="ç";­[¯]["í"]=»;¡.Ô(­[¯])}§ ·(¿){£ É=/(\\\\|\\^|\\$|\\*|\\+|\\?|\\.|\\(|\\)|\\||\\{|\\}|\\[|\\])/¨;£ Ê=¿.¥(É,"\\\\$1");´ Ê}',78,78,'xcBubbleHelp|_2|var|_7|replace|document|function|ig|_1|false|_3|if|xcRelevantContents|getElementById|_8|new|for|span|style|return|length|_6|EscapeRegExp|xcBH|childNodes|WalkNodes|_9|true|fontWeight|xcBubbleKeywords|_a|Sensitize|parentNode|ie|nextSibling|innerHTML|RegExp|onClick|this|class|re|_c|nodeValue|help|autoAway|autoHide|showCloseBox|currentStyle|transShow|transHide|window|Show|in|getComputedStyle|getElementsByTagName|SPAN|JSBalloon|getPropertyValue|item|font|className|weight|title|message|Click|nodeType|definition|icon|borderBottom|1px|Info|else|dashed|cursor|initializeXcBubbleHelp|all|anchor|Array'.split('|')))
eval(function(p,a,c,k,e,d){e=function(c){return(c<a?"":e(c/a))+String.fromCharCode(c%a+161)};if(!''.replace(/^/,String)){while(c--){d[e(c)]=k[c]||e(c)}k=[function(e){return d[e]}];e=function(){return'[\xa1-\xff]+'};c=1};while(c--){if(k[c]){p=p.replace(new RegExp(e(c),'g'),k[c])}}return p}('© ­="";© ó=Ý.£ð?Ò:¢Á;¿ Û(){© £ë;© é=£ì;© ¢¥="Ù-¢à: ¢Ý ¢á ¢Ù;Ù-£í: £î; Ù-¢Ø:¢ä;";© ¢«="Ù-¢à: ¢Ý ¢á ¢Ù; Ù-¢Ø:¢ä;";© ¢­="Ù-¢à: ¢Ý ¢á ¢Ù; Ù-¢Ø:¢ä;";© ¢µ=Ò;© ä=Ò;© è="£º:£».£½.£¾(£Á=1.¢õ)";© ñ="£º:£».£½.£¾(£Á=1.¢õ)";© ¢¨=Ò;© ¢¦=£Â;© ¢©=Ò;© ¢Ë=¢Á;ª(Û.¢ª.¢Ã>0){© ³=Û.¢ª[0];ª(³.¢!=·){é=³.¢}ª(³.Ñ!=·){¢¥=³.Ñ}ª(³.Õ!=·){¢«=³.Õ}ª(³.Ö!=·){¢­=³.Ö}ª(³.¢¤!=·){¢µ=³.¢¤}ª(³.ì!=·){ä=³.ì}ª(³.ò!=·){è=³.ò}ª(³.ð!=·){ñ=³.ð}ª(³.í!=·){¢¨=³.í}ª(³.ê!=·){¢¦=³.ê}ª(³.ë!=·){¢©=³.ë}ª(³.×!=·){¢Ë=³.×}}§.Ñ=¢¥;§.Õ=¢«;§.Ö=¢­;§.ò=è;§.ð=ñ;§.¢¤=¢µ;§.ì=ä;§.í=¢¨;§.ê=¢¦;§.ë=¢©;§.¢=é;§.×=¢Ë;© ¢Ì;© ¨=Ý.£Ú("£Ù");¨.¦.¢=¢é(é);¨.¦.¢Ü="£Å";¨.¦.Æ="ø";¨.¦.¢ü=è+" "+ñ;¨.¦.£È=£É;§.£Ê=¨;§.÷=÷;§.Ú=Ú;¿ ÷(){© æ;© á="";© Ã="";© â="";© ¢Ç=0,¢Å=0;© ¢Í=0,¢Þ=0;© Ï;© Â="¢®";é=¢é(§.¢);¢¥=§.Ñ;¢«=§.Õ;¢­=§.Ö;è=§.ò;ñ=§.ð;¢µ=§.¢¤;ä=§.ì;¢¨=§.í;¢¦=§.ê;¢©=§.ë;ª(÷.¢ª.¢Ã>0){© ¼=÷.¢ª[0];ª(¼.¢Ú!=·){æ=¼.¢Ú}ª(¼.¢ë!=·){á=¼.¢ë}ª(¼.¢ì!=·){Ã=¼.¢ì;¢ï(Ã){Ô"¢í":Ã=­+"®/£Ï.¢È";¢¢="¢í";Í;Ô"¢º":Ã=­+"®/£Ñ.¢È";¢¢="¢º";Í;Ô"¢É":Ã=­+"®/£Ò.¢È";¢¢="¢É";Í;Ô"£Ó":Ã=­+"®/£Ô.¢È";¢¢="¢É";Í;¢ñ:¢¢="¢É"}}ª(¼.£¼!=·){â=¼.£¼}ª(¼.¬!=·){¢Ç=¼.¬}ª(¼.°!=·){¢Å=¼.°}ª(¼.¢ò!=·){Ï=¼.¢ò;¢Í=ã(Ï);¢Þ=å(Ï)}}© ½=¢£(þ(æ,Ã,á,â,§.Ñ,§.Õ,§.Ö,§.×),Â);¨.¢¼=½;© î=ó?¨.¯[0].¯[0].¯[1].¯[0].¯[0].¯[0].¯[0].¯[2].¯[0]:¨.±[0].±[1].±[2].±[1].±[1].±[1].±[0].±[5].±[0];î.¢ú=§.Ú;ª(£Ö(¢Ì)!="£×"){¢Ì=Ý.¢Ô.£Ü(¨)}ª(Ï!=·){¨.¦.°=¢Þ+¢Å;¨.¦.¬=(¢Í-¨.ý)+¢Ç}Å{¨.¦.°=¢Å;¨.¦.¬=¢Ç}© ¢æ=Ç(¨.¦.°,£);© ¢Ä;ª(Ý.¢Ô.ü<(¢æ+¨.ü+¢ó)){Â="¢Î";½=¢£(þ(æ,Ã,á,â,§.Ñ,§.Õ,§.Ö,§.×),Â);¨.¢¼=½;¨.¦.°=¢æ-¨.ü+¢ó;¢Ä=¢Á}Å{Â="¢®";¢Ä=Ò}ª(Ç(¨.¦.¬,£)<0){ª(¢Ä){Â="¢ô";½=¢£(þ(æ,Ã,á,â,§.Ñ,§.Õ,§.Ö,§.×),Â);¨.¢¼=½}Å{Â="¢ø";½=¢£(þ(æ,Ã,á,â,§.Ñ,§.Õ,§.Ö,§.×),Â);¨.¢¼=½}¨.¦.¬=Ç(¨.¦.¬,£)+¨.ý;ª(Ï!=·){¨.¦.¬=Ç(¨.¦.¬,£)+Ï.ý}}ª(§.×){ª(Â=="¢®"||Â=="¢Î"){î=ó?¨.¯[0].¯[0].¯[1].¯[0].¯[0].¯[0].¯[0].¯[2].¯[0]:¨.±[0].±[1].±[2].±[1].±[1].±[1].±[0].±[5].±[0]}Å{î=ó?¨.¯[0].¯[0].¯[2].¯[0].¯[0].¯[0].¯[0].¯[2].¯[0]:¨.±[0].±[1].±[4].±[1].±[1].±[1].±[0].±[5].±[0]}î.¢ú=§.Ú}© ¢Ö=¢ç(Ï);¨.¦.¬=Ç(¨.¦.¬,£)-¢Ö[0];¨.¦.°=Ç(¨.¦.°,£)-¢Ö[1];ª(ó){¨.¦.¬=Ç(¨.¦.¬,£)+Ç(Ý.¢Ô.¢Ê,£)}£¢();ª(§.¢¤){¨.¦.¢ü=§.ò+" "+§.ð;ª(¨.Ä(0).¢¹==2||¨.Ä(0).¢¹==1){¨.Ä(0).¢º()}¨.Ä(0).¢ÿ();¨.¦.Æ="¢À";¨.Ä(0).£¡()}Å{¨.¦.Æ="¢À"}ª(§.í){£ã(§.¢ý);ä=§.ì;§.¢ý=£ä(§.Ú,§.ê)}ª(§.ë){¨.¢å=Ú}Å{¨.¢å=""}}¿ Ú(){ª(¨.¦.Æ=="ø"){Ë}ª(ä){ª(¨.Ä(1).¢¹==2||¨.Ä(1).¢¹==1){¨.Ä(1).¢º()}¨.Ä(1).¢ÿ();¨.¦.Æ="ø";¨.Ä(1).£¡()}Å{¨.¦.Æ="ø"}£¤()}¿ £¢(){© Ó=Ý.£¥("£¦");£§(© i=0;i<Ó.¢Ã;i++){ª(Ó[i].£ç!="Ò"){ª(Ó[i].¦.Æ=="¢À"||Ó[i].¦.Æ==""){ª(£¨(¨,Ó[i])){Ó[i].¦.Æ="ø";Ó[i].¢Û=Ò}}}}}¿ £¤(){© ú=Ý.£¥("£¦");£§(© i=0;i<ú.¢Ã;i++){ª(ú[i].¢Û){ú[i].¦.Æ="¢À";ú[i].¢Û=¢Á}}}¿ £¨(Þ,ß){© £©=å(Þ);© £®=ã(Þ);© £­=å(Þ)+Þ.ü;© £²=ã(Þ)+Þ.ý;© £¬=å(ß);© £±=ã(ß);© £«=å(ß)+ß.ü;© £°=ã(ß)+ß.ý;© £³=(£©<£«&&£¬<£­);© £´=(£®<£°&&£±<£²);Ë(£³&&£´)}¿ ¢â(ÿ){Ë(ÿ.¢Æ?(¢â(ÿ.¢Æ)+ÿ.£µ):ÿ.£µ)}¿ ¢Õ(¢¡){Ë(¢¡.¢Æ?(¢Õ(¢¡.¢Æ)+¢¡.£·):¢¡.£·)}¿ å(£¹){Ë(¢â(£¹))}¿ ã(£¿){Ë(¢Õ(£¿))}¿ ¢ç(¢û){© ¢¬=£Ã £Ä(0,0);£Æ{© Ø=¢û.¢ê;£Ë(Ø!=·){ª(Ø.¢Ê!=·){¢¬[0]+=Ç(Ø.¢Ê,£);¢¬[1]+=Ç(Ø.£Ì,£)}Ø=Ø.¢ê}}£Î(£Ð){}Ë ¢¬}¿ ¢£(õ,¢ð){© ½;¢ï(¢ð){Ô"¢®":½="<É ¢±=\\"Û\\" ¤=\\"0\\" ô=\\"0\\" ç=\\"0\\" ¦=\\"¤-È: È\\" >"+"  <«>"+"    <¡ ¥=\\"1\\" ¢=\\"£\\">"+"    <¸ ¤=\\"0\\" ²=\\""+­+"®/¢¶.¹\\" ¢=\\"£\\" ¥=\\"£\\"></¡>"+"    <¡ ¥=\\"7\\" ¢=Ê% ¦=\\"¤-¬:¶ µ #´; 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var xcBubbleKeywords = {'Word':'<b>Word</b><br>Definition','*Accumulation units*':'<b>*Accumulation units*</b><br>With this type of unit/share any income earned on your investment remains accumulated within the price of your units/shares, increasing the value of your holding.','*Active fund*':'<b>*Active fund*</b><br>Funds which aim to outperform a benchmark index, such as the FTSE 100. The aim is for the fund manager to invest the fund’s assets in such a way that the fund will generate better returns than its benchmark.','*Annual management charge*':'<b>*Annual management charge*</b><br>A fee paid to the fund manager once a year which covers the cost of investment management and administration. It is normally 0.75% - 1.5% p.a. and is charged to the fund.  The AMC forms part of the Total Expense Ratio (TER) of a fund.','*Annual charge*':'<b>*Annual charge*</b><br>A fee paid to the fund manager once a year which covers the cost of investment management and administration. It is normally 0.75% - 1.5% p.a. and is charged to the fund.','*Assets*':'<b>*Assets*</b><br>The "building blocks" in which a fund invests, for example stocks and shares, cash, fixed interest securities and property.','*Asset*':'<b>*Asset*</b><br>The "building blocks" in which a fund invests, for example stocks and shares, cash, fixed interest securities and property.','*Authorised Corporate Director*':'<b>*Authorised Corporate Director*</b><br>The term used to describe the manager of an OEIC fund. An ACD has the same role and responsibilities as their unit trust equivalents, known as the fund manager.','*Authorised investment funds*':'<b>*Authorised investment funds*</b><br>A unit trust or OEIC that is regulated by the Financial Services Authority (FSA) for promotion to the general public in the UK. All unit trusts and OEICs which are on sale to a retail investor in the UK are authorised by the FSA.','*Balanced funds*':'<b>*Balanced funds*</b><br>A type of fund which restricts its investment in equities, to a maximum of 85% of the fund’s holdings.  The remainder can then be invested in other types of investments such as bonds. This type of fund aims to benefit from the performance of its other investments when equities are not performing well and vice versa.','*Bonds*':'<b>*Bonds*</b><br>Also known as fixed interest securities, bonds are investments which pay a fixed rate of interest and have a fixed term. Governments or companies may issue them. Those issued by Governments are known as gilts. Not to be confused with investment bonds issued for individual investors usually by insurance companies.','*Capital Gains Tax*':'<b>*Capital Gains Tax*</b><br>Tax paid to HM Revenue and Customs on any increase in the value of your savings or investments. The tax is payable on the profits you make when you sell your units/shares. There is an annual exemption limit; for the current tax year this is £9,200.','*Capital growth*':'<b>*Capital growth*</b><br>The increase in the value of your investment, excluding any income.','*Cash*':'<b>*Cash*</b><br>In saving and investment terms "cash" refers to a bank or building society deposit account in which your capital is secure.  It can also refer to money market funds.','*Cash fund*':'<b>*Cash fund*</b><br>Alternative name for a money market fund.','*Cash funds*':'<b>*Cash funds*</b><br>Alternative name for money market funds.','*Cautious Managed Fund*':'<b>*Cautious Managed Fund*</b><br>Funds which restrict their investment in equities to a maximum of 60% of the fund’s holdings.  The remainder is then invested in other types of assets such as cash and bonds. This type of fund is considered to be more ‘cautious’ than funds which invest more in equities, as their portfolios are diversified across less risky investments.','*Collective investments*':'<b>*Collective investments*</b><br>Funds which pool investors’ money and invest on their behalf. This term refers to unit trusts and OEICs. ','*Compounding*':'<b>*Compounding*</b><br>The process by which your investment grows in value over time with reinvested interest or dividends.','*Corporate Bond*':'<b>*Corporate Bond*</b><br>A fixed interest security issued by public companies.','*Corporate Bonds*':'<b>*Corporate Bonds*</b><br>Fixed interest securities issued by public companies.','*Credit rating agency*':'<b>*Credit rating agency*</b><br>Provides ratings which assess the likelihood of companies being able to meet their financial obligations. Ratings range from AAA (the most secure) to D (the least secure); the greater the credit risk the lower the rating.','*Credit risk*':'<b>*Credit risk*</b><br>Usually used when referring to investment in bonds, credit ratings agencies estimate the likelihood that the issuer of the bond will not be able to keep up your interest payments or repay your capital at the end of the holding period. ‘Triple A’ or ‘investment grade rated’ are considered to be the lowest credit risk while non-investment grade also known as junk bonds and rated triple B-D are the highest credit risk.','*Currency risk*':'<b>*Currency risk*</b><br>When the manager buys investments in currencies other than Sterling there is a risk that the value of those investments will change due to changes in currency exchange rates.','*Current yield*':'<b>*Current yield*</b><br>Also known as income yield. The amount of income generated by a bond or gilt fund at the current time.','*Default risk*':'<b>*Default risk*</b><br>The risk that a company may not be able to pay you back the money you have invested.','*Deposit account*':'<b>*Deposit account*</b><br>A bank or building society account which earns a steady rate of interest and in which your original capital is secure. The interest rates paid vary depending on the length of time you are prepared to lock your money away for.','*Deposit accounts*':'<b>*Deposit accounts*</b><br>Bank or building society accounts which earn a steady rate of interest and in which your original capital is secure. The interest rates paid vary depending on the length of time you are prepared to lock your money away for.','*Depositary*':'<b>*Depositary*</b><br>Responsible for overseeing the fund manager\'s activities in relation to an OEIC. Usually a large bank, the depositary must be independent of the fund manager where the fund is authorised by the Financial Services Authority. It acts in the interests of the investors, owning the investments in the fund on their behalf.  It also ensures that the fund is invested according to its investment objectives and that the manager complies with the regulations. The unit trust equivalent is known as the trustee.','*Discount Broker*':'<b>*Discount Broker*</b><br>A service provided by an intermediary where no advice is taken. Also known as an “execution only” service, the broker will buy a product on behalf of an investor after the investor has chosen which product they would like to purchase. Discount brokers usually waive or discount the initial charge, as no advice has been provided. This service is often available by post and rather than pay commission you are charged a one off transaction charge.','*Distribution*':'<b>*Distribution*</b><br>Income paid out from a unit trust or OEIC in the form of interest or dividends.','*Distributions*':'<b>*Distributions*</b><br>Income paid out from a unit trust or OEIC in the form of interest or dividends.','*Diversification*':'<b>*Diversification*</b><br>A term used to describe the spreading of risk by investing in a number of different companies and assets. Doing so will mean that you won’t have all of your eggs in one basket.','*Dividend*':'<b>*Dividend*</b><br>Income paid on shares out of company profits.','*Dividends*':'<b>*Dividends*</b><br>Income paid on shares out of company profits.','*Dividend distributions*':'<b>*Dividend distributions*</b><br>Income paid out by unit trusts and OEICs that invest mainly in equities.','*Dividend income*':'<b>*Dividend income*</b><br>Income paid out by unit trusts and OEICs that invest mainly in equities.','*Equity*':'<b>*Equity*</b><br>Shares in a company.','*Equities*':'<b>*Equities*</b><br>Shares in a company.','*Exit charge*':'<b>*Exit charge*</b><br>Also know as redemption charge. A charge taken by some fund managers when you sell your units/shares.  In many cases, the charge will only be applied if you sell within, say, five years. Exit charges are usually applied instead of, rather than in addition to, an initial charge.','*Exit charges*':'<b>*Exit charges*</b><br>Also know as redemption charge. A charge taken by some fund managers when you sell your units/shares.  In many cases, the charge will only be applied if you sell within, say, five years. Exit charges are usually applied instead of, rather than in addition to, an initial charge.','*Financial Adviser*':'<b>*Financial Adviser*</b><br>An authorised and qualified professional who can advise on all financial services and products available and tailor them to your needs.','*Financial Services Authority*':'<b>*Financial Services Authority*</b><br>The UK regulator for the financial services industry, which includes investment management companies, banks, building societies and insurers. The FSA has four statutory objectives; to maintain confidence in the UK financial system; to promote public understanding of the financial system; to secure the right degree of protection for consumers and to help reduce financial crime.','*Financial Services Compensation Scheme*':'<b>*Financial Services Compensation Scheme*</b><br>This scheme exists for claims against an authorised financial services company when it is unable to pay claims against it as it is insolvent or no longer trading. For companies still in business claims must be referred to the Financial Ombudsman Service.','*Financial Ombudsman Service*':'<b>*Financial Ombudsman Service*</b><br>Customers with a complaint against a financial services firm can make a complaint to the FOS who will investigate on their behalf. If the company no longer exists or has become insolvent complaints should be referred to the Financial Services Compensation Scheme (FSCS).','*Fixed interest securities*':'<b>*Fixed interest securities*</b><br>Assets which provide regular, fixed, interest payments and are issued by companies and Governments. They include gilts and bonds.','*Fund manager*':'<b>*Fund manager*</b><br>Manages the unit trust in accordance with the fund’s objectives and decides which assets to hold in order to meet those objectives. In an OEIC the manager is referred to as the Authorised Corporate Director (ACD).','*Fund managers*':'<b>*Fund managers*</b><br>Manages the unit trust in accordance with the fund’s objectives and decides which assets to hold in order to meet those objectives. In an OEIC the manager is referred to as the Authorised Corporate Director (ACD).','*Fund supermarket*':'<b>*Fund supermarket*</b><br>Websites which enables investors to buy, manage and sell their investments with different fund managers through a single account. Not to be confused with supermarkets such as Tesco which sell financial products.','*Gilts*':'<b>*Gilts*</b><br>Bonds issued by the UK Government.  Also known as gilt edged securities. Along with bonds can be referred to as fixed interest securities.','*Gilt-edged securities*':'<b>*Gilt-edged securities*</b><br>Bonds issued by the UK Government.  Also known as gilt edged securities. Along with bonds can be referred to as fixed interest securities.','*Gross income*':'<b>*Gross income*</b><br>Dividends and interest paid out to you before income tax has been deducted.','*Guaranteed fund*':'<b>*Guaranteed fund*</b><br>Funds in which the manager promises to provide a specific minimum return, backed by a legally enforceable arrangement with a third party to guarantee that promise.','*Guaranteed funds*':'<b>*Guaranteed funds*</b><br>Funds in which the manager promises to provide a specific minimum return, backed by a legally enforceable arrangement with a third party to guarantee that promise.','*Income*':'<b>*Income*</b><br>The return on your investment that arises from dividends and interest earned by the fund.','*Half-yearly report*':'<b>*Half-yearly report*</b><br>Also known as the "interim report". It will include details of the fund\'s investments and how it has performed with more general financial information relating to the fund. Your fund manager will send it to you during the financial year for the fund(s) that you hold.','*Income tax*':'<b>*Income tax*</b><br>A tax payable to HM Revenue and Customs on any income you receive whether it is wages or income from investments and savings. Different rates of income tax apply; the one you pay depends on how much money you have coming in. For the 2007/08 tax year you are able to earn up to £5','*Income units*':'<b>*Income units*</b><br>Units/shares which pay out to you, on set dates each year, any interest or dividends your investment makes.','*Independent Financial Adviser*':'<b>*Independent Financial Adviser*</b><br>An authorised and qualified professional who can advise on all financial services and products available and tailor them to your needs.','*Index*':'<b>*Index*</b><br>A grouping of shares or fixed interest securities on the stock market which are often similar in size or represent similar industries.  For example, the FTSE 100 index represents the largest 100 UK companies by market capitalisation.','*Index Tracker fund*':'<b>*Index Tracker fund*</b><br>Funds which aim to mirror the progress of a stock market index, e.g. the FTSE 100, by buying and selling shares in the same proportions as represented on the index.  These are also sometimes called tracker, index or passive managed funds.','*Index Tracker funds*':'<b>*Index Tracker funds*</b><br>Funds which aim to mirror the progress of a stock market index, e.g. the FTSE 100, by buying and selling shares in the same proportions as represented on the index.  These are also sometimes called tracker, index or passive managed funds.','*Individual Savings Account*':'<b>*Individual Savings Account*</b><br>A tax efficient means of saving that replaced PEPs and TESSAs in April 1999. See tax wrapper for more information.','*Inflation*':'<b>*Inflation*</b><br>A general rise in the level of prices on the high street. This is measured by the retail price index.','*Inflation risk*':'<b>*Inflation risk*</b><br>The risk to your savings caused by rising inflation. If inflation rises but interest on your savings doesn’t keep up it can reduce the spending power of your money. A £1 coin will always be worth £1, but what you can buy with that coin will reduce with increased inflation.','*Initial charge*':'<b>*Initial charge*</b><br>A charge that is paid to the fund manager when you invest to cover their expenses, such as commission, advertising, administration and dealing costs.','*Interest*':'<b>*Interest*</b><br>An amount, in percentage form, which a bank or building society will credit to you if you save with it in a deposit/savings account. The amount paid to you will be a percentage of whatever capital you have in your account. Gilts and bonds also pay income in the form of interest.','*Interest distribution*':'<b>*Interest distribution*</b><br>Income paid out by unit trusts and OEICs that invest predominantly in gilts and bonds.','*Interest distributions*':'<b>*Interest distributions*</b><br>Income paid out by unit trusts and OEICs that invest predominantly in gilts and bonds.','*Investment fund*':'<b>*Investment fund*</b><br>A general term for a unit trust or OEIC.','*Investment funds*':'<b>*Investment funds*</b><br>A general term for unit trusts and OEICs.','*Investment grade bonds*':'<b>*Investment grade bonds*</b><br>These bonds have a low risk of the company that issued them being unable to repay them. The most secure forms are known as "triple A" rated bonds. See credit ratings.','*Investment grade rated*':'<b>*Investment grade rated*</b><br>These bonds have a low risk of the company that issued them being unable to repay them. The most secure forms are known as "triple A" rated bonds. See credit ratings.','*Investment trust*':'<b>*Investment trust*</b><br>Similar to unit trusts and OEICs in that they provide a means of pooling your investment but with a different structure and governed by different regulations.  They are closed ended funds and public listed companies whose shares are traded on the London Stock Exchange.','*Investment trusts*':'<b>*Investment trusts*</b><br>Similar to unit trusts and OEICs in that they provide a means of pooling your investment but with a different structure and governed by different regulations.  They are closed ended funds and public listed companies whose shares are traded on the London Stock Exchange.','*ISA*':'<b>*ISA*</b><br>A tax efficient means of saving. See tax wrapper for more information.','*ISAs*':'<b>*ISAs*</b><br>A tax efficient means of saving. See tax wrapper for more information.','*Junk bonds*':'<b>*Junk bonds*</b><br>These bonds have a high risk of the company that issued the bonds being unable to repay them. They are lower rated bonds on the share index, with a poor credit rating often as low as D. They are sometimes referred to as ‘junk bonds’. ','*Manager*':'<b>*Manager*</b><br>Manages the unit trust in accordance with the fund’s objectives and decides which assets to hold in order to meet those objectives. In an OEIC the manager is referred to as the Authorised Corporate Director (ACD).','*Managers*':'<b>*Managers*</b><br>Manages the unit trust in accordance with the fund’s objectives and decides which assets to hold in order to meet those objectives. In an OEIC the manager is referred to as the Authorised Corporate Director (ACD).','*Manager\'s*':'<b>*Manager\'s*</b><br>Manages the unit trust in accordance with the fund’s objectives and decides which assets to hold in order to meet those objectives. In an OEIC the manager is referred to as the Authorised Corporate Director (ACD).','*Market risk*':'<b>*Market risk*</b><br>Investing in the stock market means that you can benefit from its growth potential. However, there is also a risk (market risk) that you could lose your money if the stock market in which you have invested falls in value.','*Money market funds*':'<b>*Money market funds*</b><br>Funds which invest in cash investments, such as bank deposits. Often referred to as “cash funds”, they offer higher returns than a building society account but still have the same level of security.','*Money market instruments*':'<b>*Money market instruments*</b><br>Funds which invest in cash investments, such as bank deposits. Often referred to as “cash funds”, they offer higher returns than a building society account but still have the same level of security.','*Money market*':'<b>*Money market*</b><br>Funds which invest in cash investments, such as bank deposits. Often referred to as “cash funds”, they offer higher returns than a building society account but still have the same level of security.','*National Savings and Investment products*':'<b>*National Savings and Investment products*</b><br>This range of products is was created to provide a secure means of saving backed by the Government, whilst providing the Exchequer with a source of funding. Products available through NS&I include premium bonds and cash ISAs.','*Net income*':'<b>*Net income*</b><br>Dividends and interest paid out to you after income tax has been deducted.','*Open-ended investment company*':'<b>*Open-ended investment company*</b><br>An open ended investment company is very similar to a unit trust, but is constituted as a company rather than a trust. They are the established structure in many other European countries and are usually single priced.','*Open-ended investment companies*':'<b>*Open-ended investment companies*</b><br>Open ended investment companies are very similar to unit trusts, but are constituted as companies rather than trusts. They are the established structure in many other European countries and are usually single priced.','*OEIC*':'<b>*OEIC*</b><br>Open ended investment companies.  These are very similar to unit trusts, but are constituted as companies rather than trusts. They are the established structure in many other European countries and can be single or dual-priced.','*OEICs*':'<b>*OEICs*</b><br>Open ended investment companies.  These are very similar to unit trusts, but are constituted as companies rather than trusts. They are the established structure in many other European countries and can be single or dual-priced.','*Open-ended investment companies*':'<b>*Open-ended investment companies*</b><br>Open ended investment companies.  These are very similar to unit trusts, but are constituted as companies rather than trusts. They are the established structure in many other European countries and can be single or dual-priced.','*Open-ended investment company*':'<b>*Open-ended investment company*</b><br>Open ended investment companies.  These are very similar to unit trusts, but are constituted as companies rather than trusts. They are the established structure in many other European countries and can be single or dual-priced.','*Passive funds*':'<b>*Passive funds*</b><br>Funds which aim to mirror the progress of a stock market index, e.g. the FTSE 100, by buying and selling shares in the same proportions as represented on the index.  These are also sometimes called tracker funds.','*PEP*':'<b>*PEP*</b><br>Tax efficient savings and investment plans which were replaced by ISAs in April 1999. As of April 2008 all PEPs were reclassified as ISAs.','*PEPs*':'<b>*PEPs*</b><br>Tax efficient savings and investment plans which were replaced by ISAs in April 1999. As of April 2008 all PEPs were reclassified as ISAs','*Pooling*':'<b>*Pooling*</b><br>The practice of investing money from different investors in one pot.  ','*Portfolio*':'<b>*Portfolio*</b><br>Refers to investment holdings. It can either refer to the holdings within a particular fund or the range of investments held by an individual investor.','*Protected fund*':'<b>*Protected fund*</b><br>Funds other than money market (cash) funds which aim to provide a return of a minimum amount of capital back to the investor, with the potential for some growth. Unlike guaranteed funds, they do not back its promise with a guarantee.','*Guaranteed fund*':'<b>*Guaranteed fund*</b><br>A fund other than a money market (cash) fund which aims to provide a return of a minimum amount of capital back to the investor, with the potential for some growth. ','*Provider*':'<b>*Provider*</b><br>A financial company, in the case of unit trusts and OEICs a fund management company, which provides financial products to members of the public.','*Redemption date*':'<b>*Redemption date*</b><br>Usually associated with gilts or bonds, the redemption date is the date set in advance when the gilt or bond will be repaid by the issuing government or company and you will receive your capital back.','*Redemption yield*':'<b>*Redemption yield*</b><br>Usually used in bond investments. This yield seeks to indicate the total return you might receive from both income and capital growth (or loss) if you hold your investment over a ten-year period.','*Return*':'<b>*Return*</b><br>The amount of income, capital growth or both that is generated by your investment. ','*Returns*':'<b>*Returns*</b><br>The amount of income, capital growth or both that is generated by your investment. ','*Risk*':'<b>*Risk*</b><br>This relates to how much risk you are prepared to take with your money. Generally the more risk you take, the higher the potential gain but the more likely it is that you could lose some or all of your capital. Your risk profile may depend on your financial circumstances, as some people are able to take more risk than others. If you are unsure of your risk profile you should contact an independent financial adviser for assistance before making an investment. ','*Risks*':'<b>*Risks*</b><br>This relates to how much risk you are prepared to take with your money. Generally the more risk you take, the higher the potential gain but the more likely it is that you could lose some or all of your capital. Your risk profile may depend on your financial circumstances, as some people are able to take more risk than others. If you are unsure of your risk profile you should contact an independent financial adviser for assistance before making an investment. ','*Running yield*':'<b>*Running yield*</b><br>Also known as income yield. The amount of income generated by a bond or gilt fund at the current time.','*Single priced funds*':'<b>*Single priced funds*</b><br>Some OEICs and unit trusts have a single price at which investors both buy and sell. The initial charge is shown separately and is charged in addition to the unit/share price.','*Single*':'<b>*Single*</b><br>Some OEICs and unit trusts have a single price at which investors both buy and sell. The initial charge is shown separately and is charged in addition to the unit/share price.','*Stakeholder*':'<b>*Stakeholder*</b><br>A Government initiative which allows investors to access some investment products, including pensions, in a controlled risk, low cost way.','*Stocks and shares*':'<b>*Stocks and shares*</b><br>Also known as equities, this is the name given to a part of a company owned by an investor.','*Share*':'<b>*Share*</b><br>The name given to a part of a company owned by an investor - the investor buys shares in the company.  It is also used to describe the OEIC equivalent of a unit.','*Shares*':'<b>*Shares*</b><br>The name given to a part of a company owned by an investor - the investor buys shares in the company.  It is also used to describe the OEIC equivalent of a unit.','*Tax Wrapper*':'<b>*Tax Wrapper*</b><br>An extra layer which surrounds an investment product, sheltering it from paying certain taxes. Such wrappers include pensions, ISAs, PEPs and TESSAs.  ','*TESSA*':'<b>*TESSA*</b><br>A type of cash account set up by the UK Government in 1991. Interest earned on savings in a TESSA were exempt from paying income tax providing you held the account for at least five years. TESSAs were closed to new business in 1999 and were replaced by cash ISAs.','*TESSAs*':'<b>*TESSAs*</b><br>A type of cash account set up by the UK Government in 1991. Interest earned on savings in a TESSA were exempt from paying income tax providing you held the account for at least five years. TESSAs were closed to new business in 1999 and were replaced by cash ISAs.','*Tied Agents*':'<b>*Tied Agents*</b><br>Financial advisers who can only sell you products from one financial institution, eg an adviser in a High Street bank who only sells that bank’s products.','*TESSA only ISA*':'<b>*TESSA only ISA*</b><br>‘TESSA only ISA’. An Individual Savings Account which accepts transfers of the capital proceeds of mature TESSAs without using any of the annual ISA limit. ','*TOISA*':'<b>*TOISA*</b><br>An Individual Savings Account which accepts transfers of the capital proceeds of mature TESSAs without using any of the annual ISA limit. See TESSA.','*Trustee*':'<b>*Trustee*</b><br>Responsible for overseeing the fund manager\'s activities in relation to a unit trust.  Usually a large bank, the trustee must be independent of the fund manager where the fund is authorised by the Financial Services Authority. It acts in the interests of the investors, owning the investments in the fund on their behalf. It also ensures the fund is invested according to its investment objectives and that the manager complies with the regulations. The OEIC equivalent is known as the depositary.','*Unit*':'<b>*Unit*</b><br>Unit trusts are divided into “units” of equal value, therefore an investor buys units in the unit trust.  The OEIC equivalent is known as a share.','*Units*':'<b>*Units*</b><br>Unit trusts are divided into “units” of equal value, therefore an investor buys units in the unit trust.  The OEIC equivalent is known as a share.','*Unit-linked insurance products*':'<b>*Unit-linked insurance products*</b><br>These are insurance products where you pay a premium which is then invested in a fund holding a range of assets, usually including equities and fixed interest securities. Part of the premium pays for life assurance. Unit linked policies are similar to with-profits products but do not invest in as many assets.','*Unit-linked policies*':'<b>*Unit-linked policies*</b><br>These are insurance products where you pay a premium which is then invested in a fund holding a range of assets, usually including equities and fixed interest securities. Part of the premium pays for life assurance. Unit linked policies are similar to with-profits products but do not invest in as many assets.','*Unit trust*':'<b>*Unit trust*</b><br>Private individuals pool their contributions with others, which combine to form a large fund.  The fund invests in a spread of different assets to minimise the risk of loss.  Also known as collective/pooled investments or investment funds. Unit trusts can be both single and dual priced.','*Unit trusts*':'<b>*Unit trusts*</b><br>Private individuals pool their contributions with others, which combine to form a large fund.  The fund invests in a spread of different assets to minimise the risk of loss.  Also known as collective/pooled investments or investment funds. Unit trusts can be both single and dual priced.','*With-profits insurance products*':'<b>*With-profits insurance products*</b><br>With-profits funds are insurance products where premiums paid by a number of investors are pooled together.  The insurance company then invests in a very wide range of assets, usually including equities and fixed interest securities. ','*Yields*':'<b>*Yields*</b><br>The amount of income generated by a fund’s investments in relation to the price. Equity funds will quote net (after tax and charges). Fixed interest securities will quote gross.','*Annual report*':'<b>*Annual report*</b><br>Includes details of the fund\'s investments and how it has performed with more general financial information relating to the fund. It is available from your fund manager at the end of each financial year. See also short report.','*Benchmark index*':'<b>*Benchmark index*</b><br>A stock market index, such as the FTSE 100, which is used by fund managers as a standard to measure the overall performance of their funds.  Fund managers try to outperform any gains made by their fund\'s benchmark index.','*Bid*':'<b>*Bid*</b><br>Unit trusts and OEICs can have separate prices for buying and selling units/shares. Such funds are known as dual-priced. The bid price is the price at which units/shares are sold and are lower than the offer or buying price.','*Bid/offer spread*':'<b>*Bid/offer spread*</b><br>For dual-priced funds this is the difference between the buying and selling prices of your units/shares. The buying or offer price is normally higher than the selling or bid price as it will include an initial charge* to be paid to the fund manager* for setting up and administering your units/shares.','*Bond*':'<b>*Bond*</b><br>Also known as fixed interest securities, bonds are investments which pay a fixed rate of interest and have a fixed term. Governments or companies may issue them. Those issued by Governments are known as gilts. Not to be confused with investment bonds issued for individual investors usually by insurance companies.','*Capital*':'<b>*Capital*</b><br>The amount of money you initially put into your savings or investments before it receives any interest or capital growth.  In a fund “capital” can also refer to the assets held by the fund excluding any income the fund may receive. ','*Closed-ended funds*':'<b>*Closed-ended funds*</b><br>Unlike unit trusts and OEICs, which are open-ended, these are funds which only have a fixed number of units/shares in issue at any time. The price of units/shares in such funds, which include Investment Trusts, will fluctuate according to investor demand rather than as a result of changes in the value of their underlying assets.','*Credit ratings agencies*':'<b>*Credit ratings agencies*</b><br>Provides ratings which assess the likelihood of companies being able to meet their financial obligations. Ratings range from AAA (the most secure) to D (the least secure); the greater the credit risk the lower the rating.','*Credit agencies*':'<b>*Credit agencies*</b><br>Provides ratings which assess the likelihood of companies being able to meet their financial obligations. Ratings range from AAA (the most secure) to D (the least secure); the greater the credit risk the lower the rating.','*Credit ratings*':'<b>*Credit ratings*</b><br>Ratings provided by specialist credit agencies which assess the likelihood of companies being able to meet their financial obligations.  Ratings range from AAA (the most secure) to D (the least secure); the greater the credit risk the lower the rating.','*Credit rating*':'<b>*Credit rating*</b><br>Ratings provided by specialist credit agencies which assess the likelihood of companies being able to meet their financial obligations.  Ratings range from AAA (the most secure) to D (the least secure); the greater the credit risk the lower the rating.','*Custodian*':'<b>*Custodian*</b><br>Usually a major banking group, the custodian is appointed by the fund’s trustee or depositary to safeguard the fund’s assets.','*Diversified*':'<b>*Diversified*</b><br>A term used to describe the spreading of risk by investing in a number of different companies and assets. Doing so will mean that you won’t have all of your eggs in one basket.','*Dual-priced*':'<b>*Dual-priced*</b><br>Both unit trusts and OEICS can be dual-priced, such funds have an offer price at which you buy, and a lower bid price, at which you sell.  The difference between the two prices is known as the bid/offer spread. The buying price is normally higher than the selling price as this includes the initial charge to be paid to the fund manager.','*Dual-pricing*':'<b>*Dual-pricing*</b><br>Both unit trusts and OEICS can be dual-priced, such funds have an offer price at which you buy, and a lower bid price, at which you sell.  The difference between the two prices is known as the bid/offer spread. The buying price is normally higher than the selling price as this includes the initial charge to be paid to the fund manager.','*Dual-priced funds*':'<b>*Dual-priced funds*</b><br>Both unit trusts and OEICS can be dual-priced, such funds have an offer price at which you buy, and a lower bid price, at which you sell.  The difference between the two prices is known as the bid/offer spread. The buying price is normally higher than the selling price as this includes the initial charge to be paid to the fund manager.','*Ethical funds*':'<b>*Ethical funds*</b><br>Also known as Socially Responsible Investments (SRIs). These funds aim to avoid investing in activities which may be harmful to society, such as tobacco production or child labour. Some funds also aim to actively invest in companies which promote ethical policies such as recycling. ','*FSA*':'<b>*FSA*</b><br>The UK regulator for the financial services industry, which includes investment management companies, banks, building societies and insurers. The FSA has four statutory objectives; to maintain confidence in the UK financial system; to promote public understanding of the financial system; to secure the right degree of protection for consumers and to help reduce financial crime.','*FTSE 100*':'<b>*FTSE 100*</b><br>British index on the London Stock Exchange which comprises the leading 100 UK companies.','*FTSE 100 index*':'<b>*FTSE 100 index*</b><br>British index on the London Stock Exchange which comprises the leading 100 UK companies.','*FTSE 250*':'<b>*FTSE 250*</b><br>British index on the London Stock Exchange of the largest 250 companies by market capitalisation after those listed on the FTSE 100.','*Fund manager\'s*':'<b>*Fund manager\'s*</b><br>Manage the unit trusts in accordance with funds\' objectives and decide which assets to hold in order to meet those objectives. In an OEIC the manager is referred to as the Authorised Corporate Director (ACD).','*Funds of funds*':'<b>*Funds of funds*</b><br>Funds of funds are designed to increase diversification by investing in other funds.','*Futures*':'<b>*Futures*</b><br>Agreement to buy or sell a fixed amount of a particular asset at a fixed future date and a fixed price. ','*Gilt*':'<b>*Gilt*</b><br>Bonds issued by the UK Government.  Also known as gilt edged securities. Along with bonds can be referred to as fixed interest securities.','*Gross redemption yield*':'<b>*Gross redemption yield*</b><br>Usually used in bond investments. This yield seeks to indicate the total return you might receive from both income and capital growth (or loss) if you hold your investment over a ten-year period.','*Independent Financial Advisers*':'<b>*Independent Financial Advisers*</b><br>An authorised and qualified professional who can advise on all financial services and products available and tailor them to your needs.','*Index Tracking funds*':'<b>*Index Tracking funds*</b><br>An index tracking fund aims to mirror the progress of a stock market index, e.g. the FTSE 100, by buying and selling shares in the same proportions as represented on the index.  Can also be called a tracker fund or index fund.','*Intermediary*':'<b>*Intermediary*</b><br>When buying a financial product you may not want to buy from the fund management company directly but go to a third party who may be able to offer you advice or a discount. These third parties are known as intermediaries and include banks, building societies and independent financial advisers.','*Intermediaries*':'<b>*Intermediaries*</b><br>When buying a financial product you may not want to buy from the fund management company directly but go to a third party who may be able to offer you advice or a discount. These third parties are known as intermediaries and include banks, building societies and independent financial advisers.','*Junk bonds*':'<b>*Junk bonds*</b><br>These bonds have a high risk of the company that issued the bonds being unable to repay them. They are lower rated bonds on the share index, with a poor credit rating often as low as D. They are also known as "Non-investment grade bonds".','*Key Features Document*':'<b>*Key Features Document*</b><br>A document which must be offered to investors in Non-UCITS Retail Schemes (NURS) before or at the point of purchase. It summarises key information about the fund and provides details on risk and an illustration of the effects of charges both to the investor and the fund.','*Key Features Documents*':'<b>*Key Features Documents*</b><br>A document which must be offered to investors in Non-UCITS Retail Schemes (NURS) before or at the point of purchase. It summarises key information about the fund and provides details on risk and an illustration of the effects of charges both to the investor and the fund.','*Market capitalisation*':'<b>*Market capitalisation*</b><br>The value of a company obtained by multiplying the number of its issued shares by their market price. ','*Multi-manager funds*':'<b>*Multi-manager funds*</b><br>Multi-manager funds are designed to increase diversification by outsourcing a pool of money for investment to a number of appointed managers.','*Non-investment grade*':'<b>*Non-investment grade*</b><br>These bonds have a high risk of the company that issued the bonds being unable to repay them. They are lower rated, with a poor credit rating often as low as D. They are sometimes referred to as ‘junk bonds’.','*Non-UCITS Retail Schemes*':'<b>*Non-UCITS Retail Schemes*</b><br>Unit trusts and OEICs which are based in the UK and sold only to UK investors. Such funds differ from UCITS funds in that they cannot be sold into Europe and they have different investment restrictions. The fund documentation also differs and at the point of purchase you may be given either a Key Features Document or a Simplified Prospectus.','*NURS*':'<b>*NURS*</b><br>Unit trusts and OEICs which are based in the UK and sold only to UK investors. Such funds differ from UCITS funds in that they cannot be sold into Europe and they have different investment restrictions. The fund documentation also differs and at the point of purchase you may be given either a Key Features Document or a Simplified Prospectus.','*Offer*':'<b>*Offer*</b><br>Some unit trusts and OEICs have separate prices for buying and selling units/shares.  The offer, or buying, price is usually higher than the bid, or selling, price as it includes an initial charge.','*Offer price*':'<b>*Offer price*</b><br>Some unit trusts and OEICs have separate prices for buying and selling units/shares.  The offer, or buying, price is usually higher than the bid, or selling, price as it includes an initial charge.','*Options*':'<b>*Options*</b><br>Provide the opportunity (a ‘right’ rather than an obligation) for the buyer to purchase or sell a certain number of shares, at a future date and a known price.','*Pooled*':'<b>*Pooled*</b><br>The practice of investing money from different investors in one pot.','*Preference shares*':'<b>*Preference shares*</b><br>These are similar to bonds in that they usually pay a fixed rate of income.  However, they pay it as a dividend rather than interest and are subject to the issuing company making sufficient profits. ','*Redemption*':'<b>*Redemption*</b><br>The sale of units/shares back to the fund manager to realise/cash in the investment. It is also referred to as a repurchase, although not to be confused with the repurchase of a gilt or bond. ','*Redemption dates*':'<b>*Redemption dates*</b><br>Usually associated with gilts or bonds, the redemption date is the date set in advance when the gilt or bond will be repaid by the issuing government or company and you will receive your capital back.','*Savings account*':'<b>*Savings account*</b><br>A bank or building society account which earns a steady rate of interest and in which your original capital is secure. The interest rates paid vary depending on the length of time you are prepared to lock your money away for.','*Stocks*':'<b>*Stocks*</b><br>Also known as equities, this is the name given to a part of a company owned by an investor.','*Stock market index*':'<b>*Stock market index*</b><br>A stock market index, such as the FTSE 100, is used by fund managers as a standard to measure the overall performance of their funds.  Fund managers try to outperform any gains made by their fund\'s benchmark index.','*Short report*':'<b>*Short report*</b><br>Consumer friendly version of the long form annual report and accounts which focus on the fund\' s activities over a given period.  A version of the short report is sent out by the fund manager to all investors in a fund, with the longer version available on request.','*Simplified Prospectus*':'<b>*Simplified Prospectus*</b><br>Offered to all investors in UCITS funds (and in some cases NURS funds) before the point of purchasing units/shares. This document formally sets out details of the fund including its investment policy, charges and distribution dates. See also Key Features Documents (KFDs).','*Tax Wrappers*':'<b>*Tax Wrappers*</b><br>An extra layer which surrounds an investment product, sheltering it from paying certain taxes. Such wrappers include pensions, ISAs, PEPs and TESSAs.','*TER*':'<b>*TER*</b><br>A calculation of costs expressed as a percentage. TERs provide investors with a clearer picture of the total annual costs for running a unit trust or OEIC. It consists principally of the manager’s annual charge, but also includes the costs for other services paid for by the fund, such as the fees paid to the trustee/depositary, custodian, auditors and registrar.','*Total Expense Ratio*':'<b>*Total Expense Ratio*</b><br>A calculation of costs expressed as a percentage. TERs provide investors with a clearer picture of the total annual costs for running a unit trust or OEIC. It consists principally of the manager’s annual charge, but also includes the costs for other services paid for by the fund, such as the fees paid to the trustee/depositary, custodian, auditors and registrar. ','*UCITS*':'<b>*UCITS*</b><br>A fund that can be marketed in all countries in the European Union. UCITS stands for ‘Undertakings for Collective Investments in Transferable Securities’ and is a European Directive which has been adopted in the UK. UK based UCITS funds are OEICs, with unit trusts abiding by the non-UCITS Retail Schemes (NURS) rules due to trust law being unrecognisable by other European Member States.','*Valuation point*':'<b>*Valuation point*</b><br>The name given to the time of day that unit trusts or OEICs are valued and then priced.','*With-profits products*':'<b>*With-profits products*</b><br>With-profits funds are insurance products where premiums paid by a number of investors are pooled together.  The insurance company then invests in a very wide range of assets, usually including equities and fixed interest securities. ','*Property funds*':'<b>*Property funds*</b><br>Funds that invest either directly or indirectly in property or property-related assets. A fund that invests directly will buy commercial or residential property in order to generate rental income. A fund that invests indirectly will purchase more liquid assets such as shares in property companies or REITs, or property derivatives. ','*Property fund*':'<b>*Property fund*</b><br>Funds that invest either directly or indirectly in property or property-related assets. A fund that invests directly will buy commercial or residential property in order to generate rental income. A fund that invests indirectly will purchase more liquid assets such as shares in property companies or REITs, or property derivatives.','*Distributor status*':'<b>*Distributor status*</b><br>The status given to an offshore fund that distributes most of its income (at least 85%) to investors. Funds with this status are treated as onshore funds for taxation purposes allowing UK investors to make use of their Capital Gains Tax Annual Exemption to obtain tax relief on any capital gain. Offshore funds marketed in the UK will, therefore, try to maintain distributor status.','*Accounting date*':'<b>*Accounting date*</b><br>The annual date which signifies a company’s financial year end. Annual accounts are drawn up to this date. ','*Instruments*':'<b>*Instruments*</b><br>Any form of financial capital which can be purchased by investors and traded on the markets, for example stocks and bonds, and derivatives.','*Retail Price Index*':'<b>*Retail Price Index*</b><br>Measures changes in the price of key household goods and services.','*RPI*':'<b>*RPI*</b><br>Measures changes in the price of key household goods and services.','*Premium bonds*':'<b>*Premium bonds*</b><br>A type of investment where investors can win tax-free prizes instead of receiving interest payments. Each bond number is purchased for £1.','*Premium bond*':'<b>*Premium bond*</b><br>A type of investment where investors can win tax-free prizes instead of receiving interest payments. Each bond number is purchased for £1.','*Cash ISAs*':'<b>*Cash ISAs*</b><br>Bank or building society accounts on which investors do not pay tax on any interest accumulated.','*Cash ISA*':'<b>*Cash ISA*</b><br>Bank or building society accounts on which investors do not pay tax on any interest accumulated.  ','*REITS*':'<b>*REITS*</b><br>REITS are a type of property company that is subject to a special tax regime.  They are closed-ended companies that invest in commercial property.  Investors own shares in the company, thus achieving an indirect form of property investment.  REITS must pay 90% of their taxable income to shareholders.','*REIT*':'<b>*REIT*</b><br>REITS are a type of property company that is subject to a special tax regime.  They are closed-ended companies that invest in commercial property.  Investors own shares in the company, thus achieving an indirect form of property investment.  REITS must pay 90% of their taxable income to shareholders.','*Auditor*':'<b>*Auditor*</b><br>A person who is appointed to conduct an independent examination of a company’s financial statements.','*Auditors*':'<b>*Auditors*</b><br>A person who is appointed to conduct an independent examination of a company’s financial statements.','*Registrar*':'<b>*Registrar*</b><br>Organisation that maintains an up-to-date record of a company’s shareholders.','*Registrars*':'<b>*Registrars*</b><br>Organisation that maintains an up-to-date record of a company’s shareholders.'};
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