P C Financial Ltd are Independent Financial Advisors registered in England. Registered Number: 4825514.
P C Financial Ltd is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Services Authority.
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Managed Funds
The investment companies, on behalf of a number of investors, manage these funds. Managed funds invest in a combination of assets from different regions. There are limits on how much of the fund can be made up with shares. There are three types of managed fund - cautious, balanced, and active. Cautious managed funds will invest about half your money in shares and the rest in fixed interest investments to minimise risk. Active managed portfolios, in comparison, can have up to 100% invested in equities, providing they have at least 10% invested in non-UK stocks and shares.
Asset Based
Asset based funds focus on a particular type of asset, such as technology, financial services or healthcare. Specific geographical regions, such as UK Corporate Bond Fund, or Global Property Fund, may provide further focus.
Geography Based
Geography based funds invest mainly in investments from a specific country or region. These can be named areas such as Northern America, Japan and The UK. There are also relative regions such as Emerging Europe, which would include countries such as Turkey or the former Baltic States. Some geographically based funds carry a high risk. It's vital to seek advice about these prior to investing.
Tracker Funds
Tracker Funds are designed to match the performance, good or bad, of a particular index such as the FTSE 100, or FTSE Europe. Because investments are based on the index and not individual choices made by a fund manager, trackers are cheaper to run than managed funds, therefore charges are less.
Ethical Funds
Designed for investors that want to have a clear conscience. Ethical funds invest in companies because of their moral, or ethical stance towards factors such as animal testing and the environment.
There are generally three types:
1. funds that exclude companies that have a negative
impact such as tobacco or oil companies;
2. funds that only include companies with
a positive impact, such as alternative energy companies;
3. and funds that invest
in companies with a view to influencing their stance by becoming a major shareholder.
In these three groups the funds may specify other limits, such as investing in Corporate Bonds or Shares in companies on a particular index.