Investment FAQs

Yes, this is available within our execution-only service.

We offer investment reporting both online or through our mobile application.

Social Care homes, renewable energy infrastructure, song royalties, and asset-backed lending are directly accessed via listed Investment Trusts.

They can be held in sterling, US dollars or euros.

Investment risk is the possibility that an investment will fail to achieve an expected return. Risk nearly always describes the possibility of losing money, while volatility refers to the fluctuation in price of an asset.

Volatility refers to how much the value of your investment moves up or down. It is normal and expected when investing.

You can find our tariff of charges for Personal Accounts here and for Non-personal Accounts here

Instead of investing in direct shares of companies, we use funds, which provide access to a collection of investments for a particular purpose.

Yes, this is called Lombard lending. Visit our Borrowing page for more information.

We offer reporting both online and through our mobile application.

Portfolios can include regular withdrawals. We also offer a dual portfolio service, which includes a lower risk portfolio from which withdrawals are made.

Not directly, but via one of our expert fund managers. This allows us to access the best research talent in the world

You can top up your investment at any time, contact your relationship manager to find out how.

The value of your investments can fall as well as rise, and you may not get back the original amount invested. If you have any concerns please contact your relationship manager.

Our currency management service manages currency risk so that your portfolio has a bias towards your chosen base currency

This is dependent on your long-term financial goals, speak to your relationship manager to discuss your investment time horizon.

Real Estate Investment Trusts are a common investment company structure internationally

Yes, we have exposure as part of our Real Assets allocation. This includes infrastructure, commercial property, and social care homes.

Yes, you do not need to be a UK resident to own property in the UK.

Our experienced credit team can assist with UK property investment.

Property investments are relatively illiquid, often taking a long time to realise, due to complex transactions and market conditions.

Yes property, either directly or indirectly, is an asset class

Our maximum loan to value (LTV) is 75%

We offer reporting both online and through our mobile application.

Yes. You will need to complete a third-party mandate.

Yes, we offer advice on investments. This would exclude, however, any execution-only investments you instruct us to carry out on your behalf.

Fees are collected from the cash account associated with your Focus account after the end of each calendar quarter. The amount payable is based upon the value of the assets on the last day of the quarter.

The Focus platform is flexible, allowing you to hold different types of investment including equities (stocks), bonds, funds, and structured products.

Cash dividends are paid into your Focus account. Portfolios can be set up with segregated income accounts if required.